First State Bank and Trust Company, Inc.
Major Rating Factors:
A current level of 19.5 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Asset Mix:
Securities (19%), comm re (13%), comm loans (13%), home mtgs (9%), cash (3%), consumer loans (2%), other (41%)
States with Branches:
MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First State Bancorp, Inc.
Investment Rating
--
Address
100 West Third Street
Caruthersville, MO 63830
Caruthersville, MO 63830
Phone Number
(573) 333-1700
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.