| Weiss Ratings |
First State Bank
Clute, TX |
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| Rating | ||||
| Asset Quality Index | 4.40 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 1.20 | |||
| Profitability Index | 8.80 | |||
| Stability Index | 4.30 | |||
| 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 | 13.26% | |||
| 5-Year Asset Growth | 18.01% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.87% | |||
| Non-Performing Loans to Capital | 9.48% | |||
| Non-Performing Loans to Loans | 1.71% | |||
| Balance Sheet |
First State Bank
Clute, TX |
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| Total Assets | 422.36M | |||
| Total Deposits | 378.68M | |||
| Capital and Reserves |
First State Bank
Clute, TX |
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| Capital | 39.73M | |||
| Leverage Ratio | 9.59 | |||
| Loan Loss Reserves to Loans | 1.38% | |||
| Risk-Based Capital Ratio | 15.32 | |||
| Liquidity |
First State Bank
Clute, TX |
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| Hot Money Ratio | 24.50% | |||
| Liquidity Ratio | 20.63% | |||
| Profitability |
First State Bank
Clute, TX |
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| 5-Year Return on Average Assets | 2.01% | |||
| Net Income | 6.08M | |||
| Net Interest Spread | 4.29% | |||
| Operating Profit to Average Assets | 1.99% | |||
| Overhead Efficiency Ratio | 51.66% | |||
| Return on Assets | 1.99% | |||
| Return on Equity | 21.80% | |||