Community Reinvestment Act



First State Bank Central Texas recognizes that it has an affirmative obligation to serve the convenience and needs of the community it is chartered to serve.

Although the bank obtains a portion of its business from customers located in other areas of Texas, and other states, it is the local community that the bank's board of directors and management believes the bank has the greatest obligation to serve. For purposes of the act, the bank defines Bell, Burnet, Falls, Hamilton, Lampasas, Llano, Mason, Mills, Travis and Williamson counties in Texas as its community.

The bank will continue to support minority programs and will make a sincere effort to identify and provide other credit services needed by the community. It is the belief of the board of directors that the purpose of a full service bank is best served through the extension of all the productive loans its resources permit and opportunity affords, while remaining consistent with safe and sound operations.

Since it is the desire of the bank to fully serve the credit needs of our community, the bank is prepared to extend, consistent with safe and sound operations, the following types of credit.

To individuals:

1. personal loans, both secured and unsecured.
2. automobile and other loans to purchase consumer goods.
3. loans to purchase homes.
4. home improvement loans.
5. home equity loans.


To businesses:

1. working capital loans.
2. equipment loans.
3. loans guaranteed by the Federal government or its agencies
4. real estate construction loans.
5. land development loans.
6. permanent real estate loans.
7. capital improvement loans.
8. inventory loans.
9. accounts receivable loans.
10. loans to financial institutions.
11. farm crop loans.
12. livestock loans.
13. commodity loans.
14. aircraft loans.


To other organizations:

1. short and intermediate term church and hospital loans.
2. educational institution loans and investments.
3. loans to non-profit cultural organizations.
4. city and other governmental agencies short and long-term financing.





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