Financial Resources

My Money

Created by the Florida Department of Financial Services, the My Money Program is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers.

Learn More

Kids’ Club

Kids are better prepared for the future when they learn about money sooner rather than later. Our kid-friendly tools make learning about finances fun!

Check It Out

Teens Lounge

Talking to teenagers can be hard, especially when it comes to important topics like managing money. Help your teenagers achieve their financial goals through engaging exercises and informational resources.

Take a Spin

Routing Number

Setting up direct deposit? Starting to make online payments? Get the information you need.

Learn More

FAQs

Get answers to the questions that are most frequently asked by Charlotte State Bank & Trust customers.

Get Answers

Online Banking Tutorials

Banking online is easy. Start learning how to do it by watching helpful videos.

Watch Tutorials

Security Resources

Learn about the steps you can take to make your computer and personal information more secure.

Learn More

Blog

Corporate earnings meet or beat expectations

Most first-quarter corporate earnings reports have been meeting or beating expectations and this has raised the confidence that equity valuations are not excessive. The S&P 500 Index is trading at a reasonable 22x Price to Earnings multiple, but earnings estimates are being actively raised by analysts who see stronger revenue and profit growth in the second half of 2021. Financial, industrial, energy and basic materials companies are showing considerable revenue acceleration, expense control and order backlogs. Earnings from Apple, Alphabet, Amazon, Facebook, Microsoft and Qualcomm were all above expectation and guidance was strong for the year ahead. Both growth and value stocks are rising, but the pervasive microchip shortage is constraining production at some cyclical companies like Caterpillar and Ford. Small Cap and Mid Cap stocks continue to lead the market, while the service sector, especially travel and leisure, is gradually recovering.

Learn More

The Meaning of Bitcoin in Today's Economy

The creation of cryptocurrencies or digital currencies such as Bitcoin has bankers, financiers and governments pondering the long-term potential economic and political ramifications for the future. While the increasing use of digital currencies demonstrates the power of a secure, secretive payment transfer system, it also has created a loophole from government control.

Learn More

Major Stimulus Sparks Economy

The S&P 500 Index grew 5.8% in the first quarter in response to the massive fiscal stimulus and the anticipation of a significant economic rebound. The recent passage of the $1.9 trillion federal stimulus package added to the previous five major stimulus bills totaling over $5.2 trillion. Lawmakers as well as the Federal Reserve have responded dramatically to the COVID pandemic flooding the market with liquidity and the markets responded positively. The COVID-relief money flooding into depository institutions is being used for consumption and investment and helping corporate earnings rebound quickly.

Learn More

Get valuable insight and helpful advice from financial experts.

Read the Blog