First State Bank of San Diego

First State Bank of San Diego is headquartered in San Diego and is the 458^th largest bank in the state of Texas. It is also the 5,684^th largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 17 employees at 1 location. First State Bank of San Diego has a 5-star health rating.

First State Bank of San Diego Routing Number: 114902683

Data for Q1 2012

Institution Statistics First State Bank of San Diego FDIC Certificate # 17350 BankRate Report View Year Established 1954 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $73.24 million Loans $26.70 million Deposits $67.93 million Equity Capital $5.22 million Loan Loss Allowance $468,000 Unbacked Noncurrent Loans $106,000 Historic Data - March 2011 Assets $64.53 million Equity Capital $5.09 million Loan Loss Allowance $379,000 Unbacked Noncurrent Loans $117,000 Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 1.92% Return on Equity 25.77% Interest Income $595,000

Institution Health Overall Score: 5 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 San Diego had $106,000 in non-current loans and owned real-estate with $5.68 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of San Diego a Texas Ratio of 1.87% which is excellent. 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 San Diego held steady from 2.14% as of March 31, 2011 to 1.87% as of March 31, 2012, resulting in a positive change of 12.85%.This indicates that the balance sheet and financial strength for First State Bank of San Diego has held steady in recent periods. Deposit Growth In the past year, First State Bank of San Diego has increased its total deposits by $8.61 million, resulting in 14.52% 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 San Diego 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 San Diego has $73.24 million in assets with $5.68 million in equity, resulting in a capitalization level of 7.76%, which is below average.

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