| Weiss Ratings |
First State Bank
Spearman, TX |
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| Rating | ||||
| Asset Quality Index | 6.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.20 | |||
| Profitability Index | 6.00 | |||
| Stability Index | 3.70 | |||
| Company Info |
First State Bank
Spearman, TX |
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| FDIC Number | 1218 | |||
| Phone Number | (806) 659-5565 | |||
| Website | www.fsbtx.com/ | |||
| Asset Quality |
First State Bank
Spearman, TX |
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| 1-Year Asset Growth | -0.38% | |||
| 5-Year Asset Growth | 4.21% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.81% | |||
| Non-Performing Loans to Capital | 2.95% | |||
| Non-Performing Loans to Loans | 1.03% | |||
| Balance Sheet |
First State Bank
Spearman, TX |
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| Total Assets | 184.75M | |||
| Total Deposits | 162.95M | |||
| Capital and Reserves |
First State Bank
Spearman, TX |
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| Capital | 20.88M | |||
| Leverage Ratio | 11.56 | |||
| Loan Loss Reserves to Loans | 1.23% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Spearman, TX |
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| Hot Money Ratio | 29.51% | |||
| Liquidity Ratio | 16.71% | |||
| Profitability |
First State Bank
Spearman, TX |
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| 5-Year Return on Average Assets | 0.91% | |||
| Net Income | 715.00K | |||
| Net Interest Spread | 4.08% | |||
| Operating Profit to Average Assets | 1.58% | |||
| Overhead Efficiency Ratio | 59.32% | |||
| Return on Assets | 1.58% | |||
| Return on Equity | 13.86% | |||