About Us - First Security Bank and Trust

About FSBT

Ever since The First National Bank of Norton opened
for business in the Spring of 1887, our bank’s
combination of sound principles, ethical standards,
and a business approach focusing on our unique
experience have been the foundation for our
success. They continue to guide us in our third
century of business.

The First Security Philosophy is a combination of our
mission statement and core values. As a company and
individually, the First Security Philosophy guides us
to:

Build long-term relationships with each other,
our customers, our shareholders, and our
communities, we focus on relationships not
transactions
Provide top quality service by delivering more
value than customer expect and making a
conscious effort to continually improve our
service
Maintain high ethical standards wherein we do
what we think is right rather than merely doing
what the policies and procedures require and
we apply this standard to all our relationships;
with each other, our customers, our
shareholders, and our communities
Invest in safe sound assets by assessing
character first, setting risk standards higher
than those of other financial institutions,
conservatively managing operating, credit and
market risk, and we take a long-term view,
emphasizing asset quality
Treat each other with dignity and respect by
keeping our word, resolving conflicts early,
maintaining an “open door” policy, sharing our
experiences and mentor each other, and
constantly improve our performance through
continuous learning
Serve our customers with dignity and respect
by doing what is right, keeping our word,
avoiding conflicts of interest, rigorously
protecting customer confidentiality, keeping
channels of communication open, remaining
committed to a relationship when customers
face difficulty, delivering outstanding value,
exceeding expectations through extraordinary
customer service, relating to customers as part
of our team, keeping assets safe, helping
customers find new resources if they outgrow
us
Reward shareholder trust by commitment to
our principles, applying conservative accounting
policies, being open with internal and external
auditors, living a deliberately conservative
corporate lifestyle, protecting the value of
shareholder investment, seeking secure long-
term gain, communicating openly, and
delivering sustained superior financial
performance
Serve our communities by focusing on social
and civic service, providing consistent, long-
term support, encouraging employee
volunteerism

Our company has changed and grown, especially over
this last decade, and is poised for increasingly
dramatic change and growth.   What has not
changed, and will not change, are the values at the
heart of your bank.

Using this philosophy, we build for the future of First
Security Bank and Trust to ensure our combined
success.

Sincerely,
Karl S. Kohfeld                Joe Herman
President                        Executive Vice President

Thank you for choosing First Security Bank & Trust!

Patty Kauten
Contact me for: Telebank
enrollment, loan balances, payoffs
and other questions about your
loan activity.

Beverly Burns
Contact me regarding: safe
deposit boxes, Certificates of
Deposits and Individual
Retirement Accounts.

Jo Ann Brooks
Contact me regarding: insurance
and customer service needs such
as balance inquiries, bank
statement reconcilement
questions.

Board of Directors

Chuck Kohfeld, Chairman of the Board
Karl Kohfeld
Joe Herman
Dean Esslinger
Dennis Gilhousen
Larry Sevier
David L. Browne II
Scott L. Smiley
Daniel C. Walter, Director and General Counsel

Julie Scheetz
See me about: check ordering,
questions on bank statements,
questions concerning checking or
savings accounts, questions
concerning loan payments.

Gloria Cole
Ask me about: check orders, loan
coupons, business manager
accounts, checking and savings
accounts.

Shelly Smith
I can help you with: questions on
bank statements, electronic
payments, checking and savings
accounts, and online banking.

Kim Largent
I’m available to help you with:
questions on bank statements,
electronic payments, checking
and savings accounts, and online
banking.

Pat Otter
I can help you with your: deposit
questions, loan activity questions,
online banking questions, and
account balances.

Jo Holmes
Ask for me if you have questions
regarding your deposits, checking
or savings accounts.

Marj Allen
Ask me about: your escrow
contract, lien releases on vehicles
or information needed to update
your commercial or agricultural loan
file.