Valued Customers, Employees, and Friends:

First State Bank of the Florida Keys remained financially strong and secure in 2011 through its time tested philosophy of long-term planning, steady and managed growth, prudent business practices, operational efficiencies, technological advancements, conservative lending philosophy, and proven local market focus.

The Bank’s unique combination of a consistent, committed, and experienced local Board of Directors, a dedicated team of seasoned banking and lending professionals, and a historic commitment to the Florida Keys positioned it to succeed despite a challenging and uncertain economy.