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First State Bank, The

Needville, TX · Cert 11930

FDIC

Q2 2002

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: Q2 2002, the quarter ended June 30, 2002, 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, The

Needville, TX · Cert 11930

FDIC

Q2 2002

$16.6MAssets
$5.5MLoans
$14.2MDeposits
$2.2MEquity
Deposit mix
43%Interest-bearing $6.1M57%Noninterest $8.1MQ2 2001Q2 2002

NIM

7.05%Q1 ’016.73%Q2 ’015.34%Q2 ’02-5%-16%

Non-interest income vs. expense

5.71%Q1 ’015.32%Q2 ’015.06%Q2 ’02-7%-6%

Executive Summary

  • Earnings: ROA of 0.88%, down 2 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 38.63% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.88%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.53%-88 bps YoY

Efficiency Ratio (YTD, annualized)

88.94%+797 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.90%1.29%0.58%-0.30%0.88%-2 bps
Return on Equityn/an/an/a-2.46%7.07%n/a
Net Interest Margin5.41%5.29%5.06%4.45%4.53%-88 bps
Efficiency Ratio80.97%80.49%88.31%92.34%88.94%+797 bps
Non-Interest Burden4.16%4.04%4.34%4.03%3.90%-26 bps
Growth
Asset Growth (YoY)6.27%8.97%10.40%5.00%0.73%-554 bps
Loan Growth (YoY)5.93%14.21%7.08%0.00%-3.43%-936 bps
Deposit Growth (YoY)5.09%7.89%11.48%6.67%0.40%-469 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.38%0.18%+18 bps
Allowance / Loans1.55%1.63%1.76%1.68%0.97%-58 bps
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 Capital27.91%29.06%24.99%27.41%26.81%-109 bps
Equity / Assets13.07%13.74%12.13%11.95%13.41%+34 bps
Liquidity & Funding
Loans / Deposits40.16%36.70%32.57%34.87%38.63%-153 bps
Liquid Assets / Assets7.31%6.42%3.28%3.36%3.49%-383 bps
CRE / Total Capitaln/an/an/an/an/an/an/a