Crossroads 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.

First State Bank is a commercial bank, state charter and Fed nonmember, supervised by the FDIC. The bank was established in 1931. While First State Bank has two convenient locations in Texas, its services and information are available 24-hours a day on-line.

First State Bank, Yoakum
406 W. Grand Ave
PO Box 778
Yoakum, TX 77995

Community bank of Moulton
A branch of First State Bank, Yoakum
PO BOX H
201 N. Lavaca
Moulton, TX 77975