First State Bank and Trust, 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 and Trust opened its doors as First State Bank of South Stillwater in 1914. As the community grew from South Stillwater into the town of Bayport, the bank grew along with it, becoming First State Bank of Bayport in 1923.

First State Bank and Trust offers insurance and investments, in addition to progressive banking services. Its Trust Services Department, established in 1987, holds over $775 million in assets. Besides the Bayport location, the banks branch network includes Stillwater, Oak Park Heights, Boutwells Landing and newest office in Hudson, WI.

Bayport
950 North Highway 95
Bayport, MN 55003
Main Number - 651.439.5195
Fax - 651.439.4027
Toll Free - 800.848.4897
Tellebanker - 651.439.7722
Trust Phone - 651.351.3760
Trust Fax - 651.439.3835

Stillwater
125 New England Place
Stillwater, MN 55082
Main Number - 651.439.7072
Fax - 651.275.1060
Toll Free - 800.848.4897
Tellebanker - 651.439.7722
Trust Phone - 651.351.3760
Trust Fax - 651.439.3835

Oak Park Heights
5891 Neal Avenue North
Oak Park Heights, MN 55082
Main Number - 651.439.2655
Fax - 651.351.3745
Toll Free - 800.848.4897
Tellebanker - 651.439.7722
Trust Phone - 651.351.3760
Trust Fax - 651.439.3835