The First State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The First State Bank is a commercial bank, state charter and Fed nonmember, supervised by the FDIC. The bank was established in 1905. By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Main Bank
660 Central Avenue
Barboursville, WV 25504

Route 60 Drive Thru
6441 Farmdale Road
Barboursville, WV 25504

5th Avenue Drive-Thru
940 5th Avenue
Huntington, WV 25702

Stadium Spirits
527 20th Street
Huntington, WV 25701

Julian's Market
1049 12th St
Huntington, WV 25702

Business Advantage Center
3754 Teays Valley Road
Hurricane, WV 25526