| Weiss Ratings |
First State Bank
Clute, TX |
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| Rating | ||||
| Asset Quality Index | 4.50 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 0.90 | |||
| 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 | 19.80% | |||
| 5-Year Asset Growth | 15.53% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.12% | |||
| Non-Performing Assets to Assets | 1.13% | |||
| Non-Performing Loans to Capital | 8.59% | |||
| Non-Performing Loans to Loans | 1.18% | |||
| Balance Sheet |
First State Bank
Clute, TX |
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| Total Assets | 458.53M | |||
| Total Deposits | 413.56M | |||
| Capital and Reserves |
First State Bank
Clute, TX |
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| Capital | 41.11M | |||
| Leverage Ratio | 9.60 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | 14.25 | |||
| Liquidity |
First State Bank
Clute, TX |
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| Hot Money Ratio | 22.84% | |||
| Liquidity Ratio | 21.40% | |||
| Profitability |
First State Bank
Clute, TX |
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| 5-Year Return on Average Assets | 2.01% | |||
| Net Income | 8.26M | |||
| Net Interest Spread | 4.41% | |||
| Operating Profit to Average Assets | 1.99% | |||
| Overhead Efficiency Ratio | 52.69% | |||
| Return on Assets | 1.99% | |||
| Return on Equity | 21.75% | |||