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First State Bank&Trust Co.

Plain Dealing, LA · Cert 8528

FDIC

Q3 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: Q3 1997, the quarter ended September 30, 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&Trust Co.

Plain Dealing, LA · Cert 8528

FDIC

Q3 1997

$41.5MAssets
$16.8MLoans
$35.5MDeposits
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 1.00%, up 39 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 47.38% of deposits as of Q3 1997.

Financial Results

Return on Assets (YTD, annualized)

1.00%+39 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.61%0.63%0.95%1.04%1.00%+39 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)2.89%1.96%-3.22%-7.51%-6.79%-968 bps
Loan Growth (YoY)4.79%3.67%10.65%5.49%2.01%-278 bps
Deposit Growth (YoY)5.31%4.12%-4.19%-9.06%-8.28%-1,359 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 / Deposits42.60%44.37%44.60%47.00%47.38%+478 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