| Weiss Ratings |
First State Bank
Clute, TX |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 7.70 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 8.60 | |||
| Stability Index | 7.10 | |||
| Company Info |
First State Bank
Clute, TX |
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| FDIC Number | 17950 | |||
| Phone Number | (979) 265-2511 | |||
| Website | www.bankatfsb.com | |||
| Asset Quality |
First State Bank
Clute, TX |
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| 1-Year Asset Growth | 15.36% | |||
| 5-Year Asset Growth | 15.53% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 1.16% | |||
| Non-Performing Loans to Capital | 8.83% | |||
| Non-Performing Loans to Loans | 1.29% | |||
| Balance Sheet |
First State Bank
Clute, TX |
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| Total Assets | 478.05M | |||
| Total Deposits | 429.11M | |||
| Capital and Reserves |
First State Bank
Clute, TX |
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| Capital | 43.40M | |||
| Leverage Ratio | 9.48 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 14.64 | |||
| Liquidity |
First State Bank
Clute, TX |
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| Hot Money Ratio | 22.76% | |||
| Liquidity Ratio | 22.45% | |||
| Profitability |
First State Bank
Clute, TX |
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| 5-Year Return on Average Assets | 2.08% | |||
| Net Income | 4.62M | |||
| Net Interest Spread | 4.40% | |||
| Operating Profit to Average Assets | 2.00% | |||
| Overhead Efficiency Ratio | 50.32% | |||
| Return on Assets | 2.00% | |||
| Return on Equity | 21.98% | |||