| Weiss Ratings |
First State Bank and Trust Company
Carthage, TX |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 3.40 | |||
| Stability Index | 5.70 | |||
| Company Info |
First State Bank and Trust Company
Carthage, TX |
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| FDIC Number | 11559 | |||
| Phone Number | (903) 693-6606 | |||
| Website | www.fsbcarthage.com | |||
| Asset Quality |
First State Bank and Trust Company
Carthage, TX |
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| 1-Year Asset Growth | -4.82% | |||
| 5-Year Asset Growth | 1.99% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.65% | |||
| Non-Performing Loans to Capital | 4.27% | |||
| Non-Performing Loans to Loans | 1.87% | |||
| Balance Sheet |
First State Bank and Trust Company
Carthage, TX |
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| Total Assets | 531.51M | |||
| Total Deposits | 456.22M | |||
| Capital and Reserves |
First State Bank and Trust Company
Carthage, TX |
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| Capital | 54.07M | |||
| Leverage Ratio | 14.73 | |||
| Loan Loss Reserves to Loans | 0.75% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank and Trust Company
Carthage, TX |
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| Hot Money Ratio | 44.42% | |||
| Liquidity Ratio | 20.31% | |||
| Profitability |
First State Bank and Trust Company
Carthage, TX |
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| 5-Year Return on Average Assets | 0.82% | |||
| Net Income | 2.52M | |||
| Net Interest Spread | 2.28% | |||
| Operating Profit to Average Assets | 0.73% | |||
| Overhead Efficiency Ratio | 71.72% | |||
| Return on Assets | 0.60% | |||
| Return on Equity | 6.94% | |||