| Weiss Ratings |
First State Bank
Athens, TX |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 7.00 | |||
| Stability Index | 5.70 | |||
| Company Info |
First State Bank
Athens, TX |
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| FDIC Number | 15206 | |||
| Phone Number | (903) 676-1900 | |||
| Website | www.bankfsb.com | |||
| Asset Quality |
First State Bank
Athens, TX |
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| 1-Year Asset Growth | 5.49% | |||
| 5-Year Asset Growth | 10.24% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.65% | |||
| Non-Performing Loans to Capital | 5.32% | |||
| Non-Performing Loans to Loans | 0.95% | |||
| Balance Sheet |
First State Bank
Athens, TX |
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| Total Assets | 739.29M | |||
| Total Deposits | 652.16M | |||
| Capital and Reserves |
First State Bank
Athens, TX |
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| Capital | 78.81M | |||
| Leverage Ratio | 11.30 | |||
| Loan Loss Reserves to Loans | 1.26% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Athens, TX |
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| Hot Money Ratio | 19.75% | |||
| Liquidity Ratio | 9.48% | |||
| Profitability |
First State Bank
Athens, TX |
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| 5-Year Return on Average Assets | 1.17% | |||
| Net Income | 7.87M | |||
| Net Interest Spread | 4.13% | |||
| Operating Profit to Average Assets | 1.83% | |||
| Overhead Efficiency Ratio | 59.86% | |||
| Return on Assets | 1.45% | |||
| Return on Equity | 14.24% | |||