Vitals
  • Total Assets
    32.6M -13.2 %
  • Total Deposits
    28.9M -13.7 %
  • Total Net Loans
    10.7M -20.1 %
  • Net Income
    96000.0000 -36.0 %
  • Book Value
    3.6M -4.2 %
  • Book Value x2
    7.2M -4.2 %
  • Book Value x3
    10.8M -4.2 %
ROAA

.57

ROAE

5.21

Efficiency Ratio

78.97

Net Interest Margin

2.451

Balance Sheet Highlights
Financial Highlights The First State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 32,560 273,451
Total Net Loans 10,676 146,468
Total Deposits 28,902 236,463
Total Equity 3,596 28,175
Profitability
Net Income 96 1,413
Return on Average Assets .57 .972
Return on Average Equity 5.21 9.292
Net Interest Margin 2.451 3.685
Efficiency Ratio 78.97 70.111
Noninterest Income/Revenue 31.922 17.019
Balance Sheet Ratios
Loan-to-Deposit 36.939 58.894
Securities/Assets .313 .246
Total Equity/Total Assets .11 .103
Tangible Equity/Tangible Assets .11 .099
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 3,718 26,808
Tier 2 Capital 112 1,838
Total Capital 3,830 28,689
Total Risk Weighted Assets 11,973 163,554
Leverage Ratio 11.08 10.218
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 31.05 18.547
Total Capital Ratio 31.99 19.639

Timeline for The First State Bank

Guaranty Bank & Trust, N.A.

The First State Bank was acquired by Guaranty Bank & Trust, N.A. 10 years

View Profile Jul 20 2013

Ruff Partners, Ltd.

Ruff Partners, Ltd. became a new parent organization for The First State Bank.

View Profile Dec 20 1999

Jere J. Ruff Family Limited Partnership Ii, The

Jere J. Ruff Family Limited Partnership Ii, The became a new parent organization for The First State Bank.

View Profile Sep 09 1999

The First State Bank

The First State Bank was established 114 years ago and is currently headquartered in Hallsville, TX.

Sep 09 1909
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Guaranty Bank & Trust, N.A. Buyer 1,791,776 Acquisition Discontinued 7/20/2013
Relationships Role Relationship Start Relationship End
Jere J. Ruff Family Limited Partnership Ii, The Parent 9/9/1999 7/19/2013
Ruff Partners, Ltd. Parent 1/31/2003 7/19/2013
Ruff Partners, Ltd. Parent 12/20/1999 1/30/2003
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