Home > 1st American State Bank of Minnesota > Performance and Condition Ratios
1st American State Bank of Minnesota, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 7,415 |
| Cost of funding earning assets | 1.9920% | 2,998 |
| Net interest margin | 2.4687% | 7,456 |
| Noninterest income to average assets | -0.0796% | 7,786 |
| Noninterest expense to average assets | 3.2764% | 3,096 |
| Loan and lease loss provision to assets | 6.2253% | 98 |
| Net operating income to assets | -6.8763% | 7,887 |
| Return on assets (ROA) | -6.8805% | 7,883 |
| Pretax return on assets | -7.5499% | 7,897 |
| Return on Equity (ROE) | -159.3669% | 7,991 |
| Retained earnings to average equity (ytd only) | -159.3669% | 7,991 |
| Net charge-offs to loans | 13.8945% | 14 |
| Credit loss provision to net charge-offs | 71.0850% | 6,471 |
| Earnings coverage of net charge-offs (x) | -0.1507% | 6,389 |
| Efficiency ratio | 167.2249% | 230 |
| Assets per employee ($millions) | 3.0258% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6340% | 46 |
| Loan loss allowance to noncurrent loans | 58.0464% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 11.6717% | 266 |
| Noncurrent loans to loans | 13.1516% | 233 |
| Net loans and leases to total assets | 55.0482% | 6,078 |
| Net loans and leases to deposits | 61.2115% | 6,540 |
| Net loans and leases to core deposits | 67.4222% | 6,910 |
| Total domestic deposits to total assets | 89.9311% | 997 |
| Equity capital to assets | 1.6084% | 7,971 |
| Core capital (leverage) ratio | 1.5977% | 7,970 |
| Tier 1 risk-based capital ratio | 2.4792% | 7,958 |
| Total risk-based capital ratio | 3.8037% | 7,959 |
| Memoranda: | ||
| Average total assets | $21,364,600 | 7,738 |
| Average earning assets | $17,620,800 | 7,776 |
| Average equity | $922,400 | 7,987 |
| Average total loans | $13,465,800 | 7,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 7,613 |
| Cost of funding earning assets | 2.0372% | 3,175 |
| Net interest margin | 2.3589% | 7,595 |
| Noninterest income to average assets | -0.2165% | 7,983 |
| Noninterest expense to average assets | 3.0916% | 3,677 |
| Loan and lease loss provision to assets | 7.5185% | 56 |
| Net operating income to assets | -7.9822% | 8,010 |
| Return on assets (ROA) | -7.9876% | 8,008 |
| Pretax return on assets | -8.8477% | 8,021 |
| Return on Equity (ROE) | -163.9463% | 8,061 |
| Retained earnings to average equity (ytd only) | -163.9463% | 8,061 |
| Net charge-offs to loans | 17.0635% | 10 |
| Credit loss provision to net charge-offs | 69.1372% | 5,997 |
| Earnings coverage of net charge-offs (x) | -0.1217% | 6,207 |
| Efficiency ratio | 174.4898% | 216 |
| Assets per employee ($millions) | 3.0660% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1694% | 46 |
| Loan loss allowance to noncurrent loans | 51.2674% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 12.3288% | 211 |
| Noncurrent loans to loans | 13.9844% | 181 |
| Net loans and leases to total assets | 56.9417% | 6,038 |
| Net loans and leases to deposits | 63.8525% | 6,499 |
| Net loans and leases to core deposits | 71.2391% | 6,893 |
| Total domestic deposits to total assets | 89.1770% | 1,114 |
| Equity capital to assets | 2.3592% | 8,047 |
| Core capital (leverage) ratio | 2.2282% | 8,044 |
| Tier 1 risk-based capital ratio | 3.3780% | 8,037 |
| Total risk-based capital ratio | 4.6933% | 8,039 |
| Memoranda: | ||
| Average total assets | $22,167,000 | 7,798 |
| Average earning assets | $18,652,500 | 7,817 |
| Average equity | $1,080,000 | 8,057 |
| Average total loans | $14,127,250 | 7,563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 7,788 |
| Cost of funding earning assets | 2.0968% | 3,283 |
| Net interest margin | 2.1858% | 7,757 |
| Noninterest income to average assets | 0.6148% | 3,569 |
| Noninterest expense to average assets | 2.9457% | 4,311 |
| Loan and lease loss provision to assets | 10.0239% | 33 |
| Net operating income to assets | -9.1882% | 8,101 |
| Return on assets (ROA) | -9.1957% | 8,095 |
| Pretax return on assets | -10.4764% | 8,110 |
| Return on Equity (ROE) | -166.2897% | 8,134 |
| Retained earnings to average equity (ytd only) | -166.2897% | 8,132 |
| Net charge-offs to loans | 16.7695% | 19 |
| Credit loss provision to net charge-offs | 92.8797% | 4,839 |
| Earnings coverage of net charge-offs (x) | -0.0411% | 5,737 |
| Efficiency ratio | 117.4061% | 720 |
| Assets per employee ($millions) | 3.4265% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6978% | 20 |
| Loan loss allowance to noncurrent loans | 52.7686% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 14.9472% | 102 |
| Noncurrent loans to loans | 18.3779% | 70 |
| Net loans and leases to total assets | 57.8384% | 5,988 |
| Net loans and leases to deposits | 64.9072% | 6,482 |
| Net loans and leases to core deposits | 71.0972% | 6,961 |
| Total domestic deposits to total assets | 89.1094% | 1,211 |
| Equity capital to assets | 3.3319% | 8,114 |
| Core capital (leverage) ratio | 3.1009% | 8,124 |
| Tier 1 risk-based capital ratio | 4.7649% | 8,105 |
| Total risk-based capital ratio | 6.1094% | 8,108 |
| Memoranda: | ||
| Average total assets | $23,424,000 | 7,833 |
| Average earning assets | $20,221,000 | 7,850 |
| Average equity | $1,295,330 | 8,120 |
| Average total loans | $15,075,000 | 7,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 7,827 |
| Cost of funding earning assets | 2.2981% | 2,706 |
| Net interest margin | 2.0428% | 7,875 |
| Noninterest income to average assets | 0.5793% | 3,696 |
| Noninterest expense to average assets | 2.6391% | 5,273 |
| Loan and lease loss provision to assets | 7.3381% | 84 |
| Net operating income to assets | -5.1869% | 8,048 |
| Return on assets (ROA) | -5.1978% | 8,041 |
| Pretax return on assets | -7.6117% | 8,100 |
| Return on Equity (ROE) | -80.7248% | 8,124 |
| Retained earnings to average equity (ytd only) | -80.7248% | 8,115 |
| Net charge-offs to loans | 4.7665% | 232 |
| Credit loss provision to net charge-offs | 238.7435% | 1,946 |
| Earnings coverage of net charge-offs (x) | -0.0838% | 5,059 |
| Efficiency ratio | 110.8108% | 790 |
| Assets per employee ($millions) | 3.9265% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6181% | 12 |
| Loan loss allowance to noncurrent loans | 43.5200% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 17.5262% | 49 |
| Noncurrent loans to loans | 24.3982% | 24 |
| Net loans and leases to total assets | 58.3132% | 5,893 |
| Net loans and leases to deposits | 66.8874% | 6,287 |
| Net loans and leases to core deposits | 71.7352% | 6,923 |
| Total domestic deposits to total assets | 87.1811% | 2,132 |
| Equity capital to assets | 6.1081% | 7,977 |
| Core capital (leverage) ratio | 5.7853% | 8,039 |
| Tier 1 risk-based capital ratio | 8.8991% | 7,842 |
| Total risk-based capital ratio | 10.2605% | 7,818 |
| Memoranda: | ||
| Average total assets | $24,856,500 | 7,840 |
| Average earning assets | $21,931,000 | 7,842 |
| Average equity | $1,600,500 | 8,132 |
| Average total loans | $16,028,500 | 7,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0625% | 5,239 |
| Cost of funding earning assets | 3.3355% | 842 |
| Net interest margin | 2.7270% | 7,452 |
| Noninterest income to average assets | 0.6032% | 3,822 |
| Noninterest expense to average assets | 3.3158% | 2,915 |
| Loan and lease loss provision to assets | 4.4740% | 133 |
| Net operating income to assets | -3.6081% | 7,929 |
| Return on assets (ROA) | -3.5950% | 7,907 |
| Pretax return on assets | -4.7290% | 7,992 |
| Return on Equity (ROE) | -45.3045% | 8,123 |
| Retained earnings to average equity (ytd only) | -45.3045% | 8,095 |
| Net charge-offs to loans | 4.3262% | 140 |
| Credit loss provision to net charge-offs | 136.9198% | 3,891 |
| Earnings coverage of net charge-offs (x) | -0.0833% | 6,310 |
| Efficiency ratio | 108.7203% | 739 |
| Assets per employee ($millions) | 3.7363% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1920% | 19 |
| Loan loss allowance to noncurrent loans | 38.1311% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 14.4529% | 68 |
| Noncurrent loans to loans | 21.4838% | 30 |
| Net loans and leases to total assets | 58.5761% | 6,118 |
| Net loans and leases to deposits | 67.1724% | 6,538 |
| Net loans and leases to core deposits | 71.9654% | 7,080 |
| Total domestic deposits to total assets | 87.2027% | 1,838 |
| Equity capital to assets | 6.7370% | 7,862 |
| Core capital (leverage) ratio | 6.7340% | 7,847 |
| Tier 1 risk-based capital ratio | 9.9813% | 6,753 |
| Total risk-based capital ratio | 11.3140% | 6,546 |
| Memoranda: | ||
| Average total assets | $29,012,200 | 7,683 |
| Average earning assets | $25,963,000 | 7,693 |
| Average equity | $2,302,200 | 8,050 |
| Average total loans | $21,913,200 | 7,197 |