First State Bank Central Texas

First State Bank Central Texas is headquartered in Austin and is the 43^rd largest bank in the state of Texas. It is also the 592^nd largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 216 employees at 31 locations. First State Bank Central Texas has a 4-star health rating.

Data for Q1 2012

Institution Statistics First State Bank Central Texas FDIC Certificate # 11151 BankRate Report View Year Established 1909 Employees 216 Primary Regulator FDIC Assets and Liabilities Assets $1.11 billion Loans $563.52 million Deposits $877.76 million Equity Capital $139.42 million Loan Loss Allowance $16.37 million Unbacked Noncurrent Loans $35.89 million Real Estate Owned $10.11 million Historic Data - March 2011 Assets $1.05 billion Equity Capital $124.42 million Loan Loss Allowance $16.65 million Unbacked Noncurrent Loans $16.48 million Real Estate Owned $14.18 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.83% Return on Equity 6.69% Interest Income $11.06 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First State Bank Central Texas had $45.99 million in non-current loans and owned real-estate with $155.8 million in equity and loan loss allowances on hand to cover it. This gives First State Bank Central Texas a Texas Ratio of 29.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First State Bank Central Texas increased slightly from 21.27% as of March 31, 2011 to 29.52% as of March 31, 2012, resulting in a negative change of 38.76%. This indicates that the balance sheet and financial strength for First State Bank Central Texas has declined slightly in recent periods. Deposit Growth In the past year, First State Bank Central Texas has increased its total deposits by $31.84 million, resulting in 3.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First State Bank Central Texas has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First State Bank Central Texas has $1.11 billion in assets with $155.8 million in equity, resulting in a capitalization level of 14.02%, which is excellent.

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