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First State Bank

Brackettville, TX · Cert 11927

FDIC

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First State Bank

Brackettville, TX · Cert 11927

FDIC

Q4 1997

$14.8MAssets
$3.7MLoans
$13.4MDeposits
n/aEquity

NIM

NIM decomposition not available for this institution

Non-interest income vs. expense

Non-interest trend not available for this institution

Executive Summary

  • Earnings: ROA of 1.21%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 27.53% of deposits as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.21%-1 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.22%1.17%1.28%1.23%1.21%-1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)9.84%2.42%1.78%4.15%5.53%-431 bps
Loan Growth (YoY)10.47%4.32%-5.02%-9.45%-11.86%-2,233 bps
Deposit Growth (YoY)10.74%2.46%1.06%3.82%5.66%-508 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits33.00%31.94%33.74%30.88%27.53%-547 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a