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First State Bank featured in Smart Business Magazine

First State Bank provides beneficial information for Banking and Finance.

Gene Lovell, President and CEO at First State Bank, outlines the reasons a business owner should partner with a community bank rather than a national or regional bank.

(11/01/2013) Sustainable Banking in November 2013 Smart Business Magazine or printable PDF.

Phil Ruggeri, Cetera Investment Executive at First State Bank, discusses how to avoid liability with 401k plan sponsors. 

(09/01/2013) Mitigating 401k Risk in September 2013 Smart Business Magazine or printable PDF.

Steve Valiquette, Commercial Loan Officer, explains how small businesses can benefit from SBA loans. 

(07/01/2013) How Small Business Owners can use SBA Lending to grow their business in July 2013 Smart Business Magazine or printable PDF.

Kerri Werschky, Retail and Sales Manager, discusses how a business can save time and money. 

(05/01/2013) Banking in the Office in May 2013 Smart Business Magazine or printable PDF.

Al DeFlaviis and Gabe Makhlouf explain how a business owner might decide between a fixed rate loan or a variable rate loan.

(03/01/2013) Fixed vs. variable in March 2013 Smart Business Magazine or printable PDF.

Kerri Werschky, Retail and Sales Manager, explains how how positive pay and ACH debit blocks/filters can help protect a company against payment fraud losses.

(01/01/2013) Check and ACH fraud in January 2013 Smart Business Magazine or printable PDF.

Al DeFlaviis, Chief Lending Officer, explains how a company can use a line of credit to meet working capital needs.

(09/01/2012) Managing Money Wisely in September 2012 Smart Business Magazine or printable PDF.

Kathleen Zenisek, Marketing Director at First State Bank, outlines how and why companies may want to "localize" their charitable giving programs.

(08/01/2012) Giving Back in August 2012 Smart Business Magazine or printable PDF.

Phil Ruggeri, Cetera Investment Executive at First State Bank, describes how Company Owned Life Insurance can provide financial protection and minimize business risk.

(07/01/2012) Pivotal Employee Loss in July 2012 Smart Business Magazine or printable PDF.

Kerri Werschky, Treasury Management Specialist, examines how the use of business credit cards can simplify cash flow, lower costs, and earn rewards and discounts.

(06/01/2012) Managing Plastic in June 2012 Smart Business Magazine.

Tristan Smith, Information Technology Manager, discusses how to identify and mitigate the cyber security threats that can harm your business.

(05/01/2012) Under Attack. How to mitigate cyber security threats in May 2012 Smart Business Magazine or printable PDF.

Marc Reneau, Head of Consumer Lending, reviews how education and preparation can help consumers through the mortgage process.

(04/01/2012) Lesson in Borrowing in April 2012 Smart Business Magazine or printable PDF.

Gabe Makhlouf, First Vice President, assesses equipment financing options for businesses.

(03/01/2012) Keep Growing in March 2012 Smart Business Magazine or printable PDF.

Don Mann, former bank regulator, details how a community bank can benefit the local economy and businesses.

(02/01/2012) Community Banking in February 2012 Smart Business Magazine or printable PDF.

John Guarini and Michelle Smith discuss how to prepare for refinancing a commercial real estate loan.

(01/01/2012) Shifting Tides in January 2012 Smart Business Magazine or printable PDF.

Kerri Werschky, Treasury Management Specialist, examines how technology can improve cash flow and working capital.

(12/01/2011) Treasury Management Solutions in December 2011 Smart Business Magazine.

Angela Freeman, Second Vice President, unravels myths about SBA and outlines why loans are a viable option for many businesses.

(11/01/2011) Myths and misconceptions (about SBA Loans) in November 2011 Smart Business Magazine or printable PDF.

Al DeFlaviis, Chief Lending Officer, explains how to partner with your bank to secure an optimal outcome.

(10/01/2011) Mutually Beneficial (Bank Partnerships) in October 2011 Smart Business Magazine or printable PDF.

First State Bank recognized as Southeastern Michigan's community bank for nearly 100 years.

(09/01/2011) First State Bank profiled in September 2011 Smart Business Magazine - printable PDF.