The year First State Bank and Trust Company opened its first branch.
What is 1995?
100
A high-deductible health plan is a requirement for this type of checking account.
What is a Health Savings Account?
100
A trust account held in the borrowers name to pay obligations such as property taxes and insurance premiums.
What is "escrow?"
100
The current Chairman of the Board with 48 years of service.
Who is Duane Michie?
100
The primary goal of this regulation is the protection of individual consumers engaging in electronic fund transfers.
What is Regulation E?
200
The month and year Farmers Bank of Portageville merged with First State Bank and Trust Company, Inc.
What is December, 2004?
200
This internet banking product is included in all deposit accounts at no charge!
What is "Netteller?"
200
Property pledged by a borrower to secure a loan.
What is "collateral?"
200
The only cook employed by First State Bank and Trust.
Who is Lavona Thacker?
200
Regulation that implements the Truth in Savings Act and requires us to disclose the terms of deposit accounts to consumers so they may make informed decisions, among other things.
What is Regulation DD?
300
This former President and Chairman of the Board joined the bank in 1963 and served until his death in 1987.
Who is Horace Dunagan, Jr.?
300
Wealth management checking account that has a $25 per month service charge that is waived if the owner has a combined balance in all DDA, Savings, and CD's of at least $50,000.00.
What is the Classic Account?
300
Credit secured without any form of collateral.
What is an unsecured loan?
300
This employee serves as Retail Services Supervisor of the Dexter and Sikeston branches and is also the Security Officer for all five locations.
Who is Linda Parker?
300
This regulator of banks is not funded by the federal government but by its members.
What is Federal Deposit Insurance Corporation (FDIC)?
400
First State Bank of Caruthersville was formerly organized on this date with 7 directors representing 34 shareholders.
What is March 29, 1934?
400
This product is an investment for a certain period of time and pays a higher rate of interest than a savings account.
What is a certificate of deposit (CD)?
400
A form of revolving credit in which your home serves as collateral.
What is a home equity line of credit?
400
The IRA Administrator for all 5 locations.
Who is Amy Chalk?
400
Regulation that clarifies the responsibilities of financial institutions regarding treatment of non-public personal information about customers, based on the provisions of the Gramm-Leach-Bliley Act.
What is Regulation P?
500
The first President of First State Bank of Caruthersville.
Who is Robert L. Ward?
500
The meaning of the acronym "NOW" in the NOW Account and Super NOW Account.
What is Negotiable Order of Withdrawal?
500
The sharing of a loan to a single borrower by two or more banks.
What is a Participation Loan?
500
Santa and his Elf at Building our Future, 2008.
Who are Gary Raney and Gerard Long?
500
Regulation that implements the Expedited Funds Availability Act and addresses the rules regarding the duty of banks to make funds deposited into accounts available for withdrawal.