Welcome

June, 2013


Welcome to First State Bank. We are a locally owned community bank and our commitment remains to providing exceptional products and services to the communities we serve.


I would like you to know you can be confident that First State Bank has a solid history and a strong financial portfolio. We have continued to set records in virtually every important financial category over the past several years, a tremendous feat in the midst of a severe nationwide banking crisis. We offer a complete financial services package that includes First State Insurance, First State Investment Services and Mortgage Services III. Our subsidiaries have performed equally as well in this economy.


In today's banking environment, it is important for you to know that your bank is solid, safe, and secure both personally and professionally. From the beginning, First Sate Bank's focus has been to be the dominant provider of financial services in North Central Illinois. First State Bank will remain an independent community bank committed to the security of its depositors by maintaining high capital standards. First State Bank also recognizes its civic responsibility to the communities it serves and the rewards of providing a challenging work environment to its employees.


The weekend of June 21-23, 2013, culminated a five month process of merging the Lincoln State Bank family with the First State Bank family. We appreciate your patience as we navigate the inevitable challenges that this merger will bring. Rest assured we are doing everything in our power to make this transition seamless. Here is a Frequently Asked Questions guide to help you with any of the recent changes from the conversion. Don't hesitate to contact your local branch if you have any questions or concerns. Thank you for your trust and support during this process. We are looking forward to a long lasting relationship moving forward.



As President and CEO, I am very proud of our First State Bank family. Welcome.



Respectfully,

Timothy J. McConville

President and CEO

Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Transaction Accounts