Vitals
  • Total Assets
    233.3M 2.8 %
  • Total Deposits
    210.2M 4.2 %
  • Total Net Loans
    156.3M 3.6 %
  • Net Income
    2.4M 8.3 %
  • Book Value
    19.6M -0.2 %
  • Book Value x2
    39.2M -0.2 %
  • Book Value x3
    58.7M -0.2 %
ROAA

1.07

ROAE

11.987

Efficiency Ratio

78.695

Net Interest Margin

3.842

Balance Sheet Highlights
Financial Highlights First State Bank And Trust All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 233,328 147,703
Total Net Loans 156,302 97,223
Total Deposits 210,224 126,600
Total Equity 19,575 15,565
Profitability
Net Income 2,372 1,683
Return on Average Assets 1.07 1.08
Return on Average Equity 11.987 9.905
Net Interest Margin 3.842 3.845
Efficiency Ratio 78.695 68.21
Noninterest Income/Revenue 32.725 13.68
Balance Sheet Ratios
Loan-to-Deposit 74.35 75.205
Securities/Assets .214 .174
Total Equity/Total Assets .084 .105
Tangible Equity/Tangible Assets .084 .103
Capital Adequacy
Tier 1 Common Capital 19,395 15,225
Tier 1 Capital 19,395 15,232
Tier 2 Capital 1,514 1,135
Total Capital 20,909 16,386
Total Risk Weighted Assets 136,740 105,251
Leverage Ratio 8.49 10.475
Common Equity Tier 1 Capital Ratio 14.18 15.3
Tier 1 Capital Ratio 14.18 15.308
Total Capital Ratio 15.29 16.398

Timeline for First State Bank And Trust

Universal Financial Services, Inc.

Universal Financial Services, Inc. became a new parent organization for First State Bank And Trust.

View Profile Sep 09 1996

Valley Agencies, Inc.

Valley Agencies, Inc. became a new subsidiary organization for First State Bank And Trust.

View Profile Sep 09 1996

First State Bank And Trust

First State Bank And Trust was established 110 years ago and is currently headquartered in Bayport, MN.

Jan 01 1914
Relationships Role Relationship Start Relationship End
Universal Financial Services, Inc. Parent 9/9/1996
Valley Agencies, Inc. Subsidary 6/30/2007
Valley Agencies, Inc. Subsidary 9/9/1996 6/29/2007
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