Vitals
  • Total Assets
    90.9M 15.0 %
  • Total Deposits
    83.0M 15.0 %
  • Total Net Loans
    62.9M 12.2 %
  • Net Income
    724000.0000 -10.6 %
  • Book Value
    7.4M 10.0 %
  • Book Value x2
    14.8M 10.0 %
  • Book Value x3
    22.2M 10.0 %
ROAA

1.088

ROAE

13.657

Efficiency Ratio

81.24

Net Interest Margin

4.939

Balance Sheet Highlights
Financial Highlights The First State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 90,909 126,638
Total Net Loans 62,923 71,247
Total Deposits 82,967 107,327
Total Equity 7,392 12,908
Profitability
Net Income 724 2,408
Return on Average Assets 1.088 1.306
Return on Average Equity 13.657 13.128
Net Interest Margin 4.939 4.344
Efficiency Ratio 81.24 68.305
Noninterest Income/Revenue 18.604 18.251
Balance Sheet Ratios
Loan-to-Deposit 75.841 63.434
Securities/Assets .181 .678
Total Equity/Total Assets .081 .102
Tangible Equity/Tangible Assets .081 -.028
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,370 12,178
Tier 2 Capital 176 828
Total Capital 7,546 13,021
Total Risk Weighted Assets 61,334 79,489
Leverage Ratio 8.15 10.144
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.02 17.344
Total Capital Ratio 12.3 18.415

Timeline for The First State Bank

Independent Bank

The First State Bank was acquired by Independent Bank 19 years

View Profile Jan 01 2005

First Celina Insurance Agency, Inc.

First Celina Insurance Agency, Inc. became a new subsidiary organization for The First State Bank.

View Profile Oct 17 1996

First Celina Corporation

First Celina Corporation became a new parent organization for The First State Bank.

View Profile Mar 19 1996

Provident Texas Mortgage Corporation

Provident Texas Mortgage Corporation became a new parent organization for The First State Bank.

View Profile Dec 16 1981

The First State Bank

The First State Bank was established 99 years ago and is currently headquartered in Celina, TX.

Jan 01 1925
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Independent Bank Buyer 5,664,683 Acquisition Discontinued 1/1/2005
Relationships Role Relationship Start Relationship End
First Celina Corporation Parent 3/19/1996 12/31/2004
Provident Texas Mortgage Corporation Parent 12/16/1981 4/1/1985
First Celina Insurance Agency, Inc. Subsidary 10/17/1996 5/14/1998
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