PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Jasper, TX · Cert 15549

FDIC

Q4 2000

$102.6MAssets
$47.4MLoans
$91.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.80%, down 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 51.89% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.80%-13 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.90%0.93%0.92%0.93%1.04%0.91%0.89%0.80%-13 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)2.62%3.01%0.82%-2.98%-2.94%-2.59%2.44%1.12%+410 bps
Loan Growth (YoY)7.11%19.97%20.74%21.37%16.39%19.04%12.14%9.25%-1,211 bps
Deposit Growth (YoY)3.33%3.93%1.79%-2.59%-2.83%-3.08%2.73%1.09%+368 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits40.61%42.18%46.58%48.01%48.64%51.81%50.85%51.89%+387 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a