First State Bank
| Weiss Ratings |
First State Bank
Waynesboro, MS |
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| Rating | ||||
| Asset Quality Index | 5.20 | |||
| Capitalization Index | 9.50 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 2.20 | |||
| Stability Index | 6.30 | |||
| Company Info |
First State Bank
Waynesboro, MS |
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| FDIC Number | 15663 | |||
| Phone Number | (601) 735-3124 | |||
| Website | www.firststatebnk.bank | |||
| Asset Quality |
First State Bank
Waynesboro, MS |
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| 1-Year Asset Growth | 3.73% | |||
| 5-Year Asset Growth | 2.80% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 1.01% | |||
| Non-Performing Loans to Capital | 6.27% | |||
| Non-Performing Loans to Loans | 1.27% | |||
| Balance Sheet |
First State Bank
Waynesboro, MS |
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| Total Assets | 951.51M | |||
| Total Deposits | 827.96M | |||
| Capital and Reserves |
First State Bank
Waynesboro, MS |
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| Capital | 91.51M | |||
| Leverage Ratio | 10.67 | |||
| Loan Loss Reserves to Loans | 0.89% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Waynesboro, MS |
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| Hot Money Ratio | 21.30% | |||
| Liquidity Ratio | 26.37% | |||
| Profitability |
First State Bank
Waynesboro, MS |
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| 5-Year Return on Average Assets | 0.54% | |||
| Net Income | 1.63M | |||
| Net Interest Spread | 2.68% | |||
| Operating Profit to Average Assets | 0.43% | |||
| Overhead Efficiency Ratio | 82.91% | |||
| Return on Assets | 0.34% | |||
| Return on Equity | 3.58% | |||