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First State Bank, The

Rice, TX · Cert 9973

FDIC · 4 branches

Q2 2022

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 2022, the quarter ended June 30, 2022, 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

Rice, TX · Cert 9973

FDIC · 4 branches

Q2 2022

$221.6MAssets
$90.1MLoans
$198.9MDeposits
$22.6MEquity
Loan mix
69%RE $49.5M25%C&I $17.9M7%Consumer $4.7MQ2 2021Q2 2022
Deposit mix
63%Interest-bearing $125.2M37%Noninterest $73.7MQ2 2021Q2 2022

NIM

3.95%Q2 ’202.80%Q2 ’212.70%Q2 ’22-25%-4%

Non-interest income vs. expense

3.39%Q2 ’202.64%Q2 ’212.54%Q2 ’22-30%+5%

Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.0% share · #111 of 169 inst. · $0.2B of $861.9B

4.5% Ellis
3.9% Navarro

Executive Summary

  • Earnings: ROA of 0.09%, down 39 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.00% of loans (-31 bps YoY), with net charge-offs at 0.48%.
  • Capital: tier 1 leverage ratio of 9.46%, up 44 bps from a year ago.
  • Funding: loans stand at 45.32% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.09%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-10 bps YoY

Efficiency Ratio (YTD, annualized)

88.83%+540 bps YoY

Tier 1 Leverage Ratio

9.46%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.48%0.36%0.52%0.28%0.09%-39 bps
Return on Equity4.29%3.22%4.72%2.80%0.84%-345 bps
Net Interest Margin2.61%3.04%2.81%2.66%2.51%-10 bps
Efficiency Ratio83.43%86.18%86.83%88.16%88.83%+540 bps
Non-Interest Burden2.06%2.51%2.35%2.28%2.17%+10 bps
Growth
Asset Growth (YoY)12.35%12.70%26.63%-1.85%16.30%+395 bps
Loan Growth (YoY)-3.47%-4.53%-4.91%-4.76%-7.82%-435 bps
Deposit Growth (YoY)13.59%14.40%30.42%-2.21%18.67%+508 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.39%0.79%0.69%0.00%-31 bps
Net Charge-Offs / Loans-0.08%-0.05%-0.04%0.02%0.48%+57 bps
Allowance / Loans1.44%1.46%1.47%1.44%1.55%+12 bps
Allowance Coverage of NPLs4.6x3.8x1.9x2.1xn/an/a
Capital
Tier 1 Leverage Ratio9.02%10.66%10.18%9.74%9.46%+44 bps
Total Risk-Based Capital9.02%10.66%10.18%9.74%9.46%+44 bps
Equity / Assets11.74%11.57%10.24%9.99%10.18%-155 bps
Liquidity & Funding
Loans / Deposits58.34%56.34%48.50%47.69%45.32%-1,302 bps
Liquid Assets / Assets10.67%10.63%8.12%17.82%18.20%+753 bps
CRE / Total Capitaln/an/an/an/an/an/an/a