Vitals
  • Total Assets
    183.3M 85.7 %
  • Total Deposits
    161.4M 94.1 %
  • Total Net Loans
    87.2M 72.5 %
  • Net Income
    763000.0000 71.5 %
  • Book Value
    21.2M 37.4 %
  • Book Value x2
    42.3M 37.4 %
  • Book Value x3
    63.5M 37.4 %
ROAA

.429

ROAE

3.617

Efficiency Ratio

79.929

Net Interest Margin

3.444

Balance Sheet Highlights
Financial Highlights First State Bank Of Dekalb County All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 183,332 266,812
Total Net Loans 87,151 157,006
Total Deposits 161,359 227,200
Total Equity 21,168 30,855
Profitability
Net Income 763 2,603
Return on Average Assets .429 .91
Return on Average Equity 3.617 7.525
Net Interest Margin 3.444 3.872
Efficiency Ratio 79.929 69.238
Noninterest Income/Revenue 13.657 15.218
Balance Sheet Ratios
Loan-to-Deposit 54.011 65.031
Securities/Assets .262 .23
Total Equity/Total Assets .115 .116
Tangible Equity/Tangible Assets .108 .114
Capital Adequacy
Tier 1 Common Capital 21,131 30,655
Tier 1 Capital 21,131 30,655
Tier 2 Capital 440 1,864
Total Capital 21,571 32,526
Total Risk Weighted Assets 123,039 184,216
Leverage Ratio 11.95 11.829
Common Equity Tier 1 Capital Ratio 17.17 18.757
Tier 1 Capital Ratio 17.17 18.762
Total Capital Ratio 17.53 19.824

Timeline for First State Bank Of Dekalb County

First Bank Of The South

Acquisition: First State Bank Of Dekalb County acquired a new subsidiary, First Bank Of The South, 7 years

View Profile Jul 01 2016

Dekalb Finance, Inc.

Dekalb Finance, Inc. became a new subsidiary organization for First State Bank Of Dekalb County.

View Profile Nov 03 1993

First State Bancshares Of Dekalb County, Inc.

First State Bancshares Of Dekalb County, Inc. became a new parent organization for First State Bank Of Dekalb County.

View Profile Sep 30 1993

First State Bank Of Dekalb County

First State Bank Of Dekalb County was established 42 years ago and is currently headquartered in Fort Payne, AL.

May 19 1982
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Bank Of The South Seller 80,969 Acquisition Discontinued 7/1/2016
Relationships Role Relationship Start Relationship End
First State Bancshares Of Dekalb County, Inc. Parent 7/13/1997
First State Bancshares Of Dekalb County, Inc. Parent 1/19/1994 7/12/1997
First State Bancshares Of Dekalb County, Inc. Parent 9/30/1993 1/18/1994
Dekalb Finance, Inc. Subsidary 11/3/1993 12/17/2000
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