Vitals
  • Total Assets
    336.6M -1.0 %
  • Total Deposits
    284.5M -4.7 %
  • Total Net Loans
    259.4M 1.0 %
  • Net Income
    3.4M 242.6 %
  • Book Value
    29.6M 3.6 %
  • Book Value x2
    59.2M 3.6 %
  • Book Value x3
    88.9M 3.6 %
ROAA

1.027

ROAE

11.528

Efficiency Ratio

73.643

Net Interest Margin

4.231

Balance Sheet Highlights
Financial Highlights First State Financial, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 336,608 275,102
Total Net Loans 259,433 177,820
Total Deposits 284,521 227,063
Total Equity 29,624 30,287
Profitability
Net Income 3,410 2,592
Return on Average Assets 1.027 .944
Return on Average Equity 11.528 8.074
Net Interest Margin 4.231 3.847
Efficiency Ratio 73.643 70.925
Noninterest Income/Revenue 8.488 17.219
Balance Sheet Ratios
Loan-to-Deposit 91.182 76.952
Securities/Assets .127 .219
Total Equity/Total Assets .088 .11
Tangible Equity/Tangible Assets .088 .107
Capital Adequacy
Tier 1 Common Capital 30,285 29,354
Tier 1 Capital 30,285 29,354
Tier 2 Capital 2,830 2,092
Total Capital 33,115 31,454
Total Risk Weighted Assets 247,306 190,479
Leverage Ratio 9.24 11.285
Common Equity Tier 1 Capital Ratio 12.25 17.115
Tier 1 Capital Ratio 12.25 17.115
Total Capital Ratio 13.39 18.174

Timeline for First State Financial, Inc.

Asset Protection Management, Inc.

Asset Protection Management, Inc. became a new subsidiary organization for First State Financial, Inc..

View Profile Mar 23 2010

First State, Fsb

Acquisition: First State Financial, Inc. acquired a new subsidiary, First State, Fsb, 19 years

View Profile Jul 01 2004

The First State Bank Of Pineville

Acquisition: First State Financial, Inc. acquired a new subsidiary, The First State Bank Of Pineville, 40 years

View Profile Jul 06 1983

First State Bancshares, Inc.

First State Bancshares, Inc. became a new parent organization for First State Financial, Inc..

View Profile May 10 1982

First State Financial, Inc.

First State Financial, Inc. was established 120 years ago and is currently headquartered in Middlesboro, KY.

Jan 04 1904
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First State, Fsb Seller 148,321 Pooling of Interests Discontinued 7/1/2004
The First State Bank Of Pineville Seller 24,943 Discontinued 7/6/1983
Relationships Role Relationship Start Relationship End
First State Bancshares, Inc. Parent 5/10/1982
Asset Protection Management, Inc. Subsidary 3/23/2010
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