First State Bank of Mobeetie

First State Bank of Mobeetie is headquartered in Mobeetie and is the 369^th largest bank in the state of Texas. It is also the 4,580^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 14 employees at 2 locations. First State Bank of Mobeetie has a 4-star health rating.

Data for Q1 2012

Institution Statistics First State Bank of Mobeetie FDIC Certificate # 17909 BankRate Report View Year Established 1906 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $115.06 million Loans $15.49 million Deposits $107.70 million Equity Capital $7.06 million Loan Loss Allowance $315,000 Unbacked Noncurrent Loans $766,000 Real Estate Owned $268,000 Historic Data - March 2011 Assets $94.40 million Equity Capital $6.27 million Loan Loss Allowance $315,000 Unbacked Noncurrent Loans $187,000 Real Estate Owned $241,000 Profit Margin - Quarterly Net Interest Margin 2.05% Return on Assets 1.22% Return on Equity 19.74% Interest Income $719,000

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 of Mobeetie had $1.03 million in non-current loans and owned real-estate with $7.38 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of Mobeetie a Texas Ratio of 14.01% which is above 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 of Mobeetie increased slightly from 6.50% as of March 31, 2011 to 14.01% as of March 31, 2012, resulting in a negative change of 115.69%. This indicates that the balance sheet and financial strength for First State Bank of Mobeetie has declined slightly in recent periods. Deposit Growth In the past year, First State Bank of Mobeetie has increased its total deposits by $19.81 million, resulting in 22.54% 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 of Mobeetie has shown is excellent. 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 of Mobeetie has $115.06 million in assets with $7.38 million in equity, resulting in a capitalization level of 6.41%, which is below average.

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