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Managing your Financial Health Part II: Develop A Good Business Relationship with a Commercial Banker

Posted by Greg Burgess

Who do you turn to when you are in need of legal advice; when you are in need of medical advice? You would arrange a meeting or consultation with a professional – your attorney or your doctor right? It should be no different when you are considering the financial needs of your business; whether that[…]  Read more

 
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A “Little” way to make a “Big” difference

Posted by Katie Boyd

I’m willing to bet that you’ve heard of the Big Brothers Big Sisters (BBBS) organization. It is a national organization dedicated to proactively meeting the needs of children by giving them a positive role model. Their mission is to “provide children facing adversity with strong and enduring, professionally supported one-to-one relationships that change their lives[…]  Read more

 
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FDIC Deposit Insurance can be confusing – are you covered?

Posted by Jay Isaacs

Customers of a U.S. chartered bank have the privilege of insured bank deposits in the case of a bank failure. This insurance coverage is provided by premiums paid by the deposit institution. Since the inception of the FDIC in 1934, there has not been any money lost by a depositor in a failed bank transaction.[…]  Read more

 
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FirstCapital Culture, Part 2: We are Family

Posted by Ken Burgess

In my last blog post, I discussed the importance of culture in our organization. I talked about the ultimate goal of our culture which is to make a positive difference in people’s lives. Our team members have been able to accomplish that goal many times and they know the sense of fulfillment that comes when[…]  Read more

 
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FirstCapital Culture, Part 1: We Change Lives

Posted by Ken Burgess

“We Change Lives”   About five years ago, we sat down as a management team with the goal of putting to words the culture we had been working to build. We knew we had some good things going, but whenever anyone asked us to define our culture; we couldn’t really put it into words. We[…]  Read more

 
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How would you rate your financial health?

Posted by Greg Burgess

Regular credit and financial checkups are key for maintaining good financial health   Do you have a habit of checking your credit report on at least an annual basis? Well, this is more important than ever today, especially as identity theft continues to expand. Thankfully, it is easier than ever to perform this very important[…]  Read more

 
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Keep CD Investments Short-Term

Posted by Jay Isaacs

We are asked many times a day, “What do you recommend for investing cash in CD’s”? This is a quandary for many citizens and our customers who are on fixed income or dependent upon the income from cash investments. With our President’s position with taking no action on tax policy and the resultant defensive action[…]  Read more

 
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Investing in the future is easy as PIE!

Posted by Katie Boyd

I’m a banker.  Everyday we bankers are faced with making investment decisions.  Whether it is investing your savings into a CD or investing in a new product or service to better serve you, we always want to make the best decision so we get the highest return.  What if I told you I knew of a way to contribute to two[…]  Read more

 
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The “Mobilization” of Banking

Posted by Ken Burgess

Wow. How times have changed. I worked in my father’s bank when I was in high school and everything we did was manual. The way we delivered banking services to customers was manual. To give you an idea about the time period I am talking about. It was 1974. Over the next few years, I[…]  Read more

 
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Having a will is a must

Posted by Jay Isaacs

If you are married, divorced and/or have children; then a will is a must. In the event of death, a will allows the decedent to direct where his or her assets are to be distributed. There are many considerations, legal and financial, to take into account in establishing a will. It is estimated that 70%[…]  Read more