| Weiss Ratings |
First State Bank
Clute, TX |
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| Rating | ||||
| Asset Quality Index | 5.30 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 9.10 | |||
| 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 | 9.05% | |||
| 5-Year Asset Growth | 18.01% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.13% | |||
| Non-Performing Assets to Assets | 0.53% | |||
| Non-Performing Loans to Capital | 6.62% | |||
| Non-Performing Loans to Loans | 0.89% | |||
| Balance Sheet |
First State Bank
Clute, TX |
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| Total Assets | 395.09M | |||
| Total Deposits | 354.80M | |||
| Capital and Reserves |
First State Bank
Clute, TX |
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| Capital | 37.07M | |||
| Leverage Ratio | 10.08 | |||
| Loan Loss Reserves to Loans | 1.25% | |||
| Risk-Based Capital Ratio | 14.99 | |||
| Liquidity |
First State Bank
Clute, TX |
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| Hot Money Ratio | 24.85% | |||
| Liquidity Ratio | 19.38% | |||
| Profitability |
First State Bank
Clute, TX |
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| 5-Year Return on Average Assets | 2.01% | |||
| Net Income | 2.07M | |||
| Net Interest Spread | 4.33% | |||
| Operating Profit to Average Assets | 2.15% | |||
| Overhead Efficiency Ratio | 51.84% | |||
| Return on Assets | 2.15% | |||
| Return on Equity | 23.67% | |||