Home > Cameron State Bank > Performance and Condition Ratios
Cameron State Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 2,470 |
| Cost of funding earning assets | 0.6409% | 6,426 |
| Net interest margin | 4.4999% | 1,073 |
| Noninterest income to average assets | 1.1583% | 966 |
| Noninterest expense to average assets | 2.9375% | 3,907 |
| Loan and lease loss provision to assets | 0.2774% | 2,937 |
| Net operating income to assets | 1.5472% | 783 |
| Return on assets (ROA) | 1.5472% | 820 |
| Pretax return on assets | 2.0510% | 511 |
| Return on Equity (ROE) | 14.0101% | 993 |
| Retained earnings to average equity (ytd only) | 13.6295% | 509 |
| Net charge-offs to loans | 0.0379% | 4,581 |
| Credit loss provision to net charge-offs | 1,302.6316% | 305 |
| Earnings coverage of net charge-offs (x) | 109.3421% | 299 |
| Efficiency ratio | 55.7838% | 6,526 |
| Assets per employee ($millions) | 3.4050% | 5,229 |
| Cash dividends to net income (ytd only)* | 2.7164% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 4,294 |
| Loan loss allowance to noncurrent loans | 68.3203% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 4,381 |
| Noncurrent loans to loans | 2.1690% | 3,361 |
| Net loans and leases to total assets | 53.9056% | 5,319 |
| Net loans and leases to deposits | 66.1328% | 4,952 |
| Net loans and leases to core deposits | 74.7243% | 4,459 |
| Total domestic deposits to total assets | 81.5111% | 5,490 |
| Equity capital to assets | 11.1292% | 2,554 |
| Core capital (leverage) ratio | 11.1773% | 2,043 |
| Tier 1 risk-based capital ratio | 17.1114% | 2,433 |
| Total risk-based capital ratio | 18.3618% | 2,407 |
| Memoranda: | ||
| Average total assets | $713,800,500 | 933 |
| Average earning assets | $651,570,000 | 934 |
| Average equity | $78,829,000 | 844 |
| Average total loans | $401,568,000 | 1,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 3,083 |
| Cost of funding earning assets | 0.7939% | 6,592 |
| Net interest margin | 4.5159% | 1,196 |
| Noninterest income to average assets | 1.1252% | 1,168 |
| Noninterest expense to average assets | 3.2594% | 2,871 |
| Loan and lease loss provision to assets | 0.3288% | 4,183 |
| Net operating income to assets | 1.2708% | 1,247 |
| Return on assets (ROA) | 1.2701% | 1,312 |
| Pretax return on assets | 1.6445% | 1,045 |
| Return on Equity (ROE) | 12.3910% | 1,239 |
| Retained earnings to average equity (ytd only) | 8.4395% | 859 |
| Net charge-offs to loans | 0.5851% | 3,284 |
| Credit loss provision to net charge-offs | 98.9682% | 4,675 |
| Earnings coverage of net charge-offs (x) | 5.9418% | 2,490 |
| Efficiency ratio | 62.2789% | 5,685 |
| Assets per employee ($millions) | 3.3289% | 5,364 |
| Cash dividends to net income (ytd only)* | 31.8903% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 4,889 |
| Loan loss allowance to noncurrent loans | 58.9920% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 4,336 |
| Noncurrent loans to loans | 2.2410% | 3,283 |
| Net loans and leases to total assets | 57.0697% | 5,178 |
| Net loans and leases to deposits | 70.0687% | 4,808 |
| Net loans and leases to core deposits | 79.7357% | 4,248 |
| Total domestic deposits to total assets | 81.4483% | 5,371 |
| Equity capital to assets | 10.9560% | 2,728 |
| Core capital (leverage) ratio | 10.9622% | 2,191 |
| Tier 1 risk-based capital ratio | 16.3456% | 2,597 |
| Total risk-based capital ratio | 17.5274% | 2,583 |
| Memoranda: | ||
| Average total assets | $729,286,000 | 918 |
| Average earning assets | $663,451,600 | 922 |
| Average equity | $74,755,800 | 882 |
| Average total loans | $414,088,400 | 1,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 3,076 |
| Cost of funding earning assets | 0.8134% | 6,717 |
| Net interest margin | 4.5470% | 1,156 |
| Noninterest income to average assets | 1.1063% | 1,152 |
| Noninterest expense to average assets | 3.2817% | 2,625 |
| Loan and lease loss provision to assets | 0.2907% | 4,251 |
| Net operating income to assets | 1.2112% | 1,564 |
| Return on assets (ROA) | 1.2104% | 1,650 |
| Pretax return on assets | 1.6598% | 1,187 |
| Return on Equity (ROE) | 12.0063% | 1,500 |
| Retained earnings to average equity (ytd only) | 9.1693% | 999 |
| Net charge-offs to loans | 0.7248% | 2,611 |
| Credit loss provision to net charge-offs | 70.9606% | 5,389 |
| Earnings coverage of net charge-offs (x) | 4.7636% | 2,933 |
| Efficiency ratio | 62.7079% | 5,483 |
| Assets per employee ($millions) | 3.3404% | 5,353 |
| Cash dividends to net income (ytd only)* | 23.6290% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,688 |
| Loan loss allowance to noncurrent loans | 49.7962% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 3,983 |
| Noncurrent loans to loans | 2.3200% | 3,318 |
| Net loans and leases to total assets | 57.8427% | 5,285 |
| Net loans and leases to deposits | 72.3286% | 4,788 |
| Net loans and leases to core deposits | 81.3380% | 4,336 |
| Total domestic deposits to total assets | 79.9720% | 5,718 |
| Equity capital to assets | 10.8744% | 3,083 |
| Core capital (leverage) ratio | 10.7736% | 2,446 |
| Tier 1 risk-based capital ratio | 16.0008% | 2,765 |
| Total risk-based capital ratio | 17.0455% | 2,812 |
| Memoranda: | ||
| Average total assets | $735,173,750 | 920 |
| Average earning assets | $667,270,500 | 921 |
| Average equity | $74,114,750 | 893 |
| Average total loans | $415,571,250 | 1,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 2,728 |
| Cost of funding earning assets | 0.8061% | 6,894 |
| Net interest margin | 4.6495% | 894 |
| Noninterest income to average assets | 1.0962% | 1,104 |
| Noninterest expense to average assets | 3.2994% | 2,564 |
| Loan and lease loss provision to assets | 0.2099% | 4,780 |
| Net operating income to assets | 1.3236% | 1,251 |
| Return on assets (ROA) | 1.3224% | 1,325 |
| Pretax return on assets | 1.7926% | 900 |
| Return on Equity (ROE) | 13.4514% | 1,149 |
| Retained earnings to average equity (ytd only) | 9.1469% | 1,062 |
| Net charge-offs to loans | 0.0965% | 5,183 |
| Credit loss provision to net charge-offs | 389.0547% | 933 |
| Earnings coverage of net charge-offs (x) | 37.1542% | 776 |
| Efficiency ratio | 62.2122% | 5,650 |
| Assets per employee ($millions) | 3.4188% | 5,129 |
| Cash dividends to net income (ytd only)* | 32.0008% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,242 |
| Loan loss allowance to noncurrent loans | 480.1600% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 6,863 |
| Noncurrent loans to loans | 0.2996% | 6,628 |
| Net loans and leases to total assets | 57.2717% | 5,526 |
| Net loans and leases to deposits | 71.3107% | 5,105 |
| Net loans and leases to core deposits | 82.3020% | 4,375 |
| Total domestic deposits to total assets | 80.3129% | 5,625 |
| Equity capital to assets | 10.4358% | 3,489 |
| Core capital (leverage) ratio | 10.2981% | 2,822 |
| Tier 1 risk-based capital ratio | 15.4351% | 2,934 |
| Total risk-based capital ratio | 16.6865% | 2,893 |
| Memoranda: | ||
| Average total assets | $745,288,670 | 915 |
| Average earning assets | $674,399,330 | 917 |
| Average equity | $73,271,000 | 903 |
| Average total loans | $416,609,330 | 1,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3270% | 3,412 |
| Cost of funding earning assets | 0.7973% | 7,097 |
| Net interest margin | 4.5296% | 1,081 |
| Noninterest income to average assets | 1.0894% | 1,064 |
| Noninterest expense to average assets | 3.1438% | 3,092 |
| Loan and lease loss provision to assets | 0.1534% | 5,001 |
| Net operating income to assets | 1.3967% | 1,082 |
| Return on assets (ROA) | 1.3967% | 1,155 |
| Pretax return on assets | 1.8641% | 787 |
| Return on Equity (ROE) | 14.6319% | 936 |
| Retained earnings to average equity (ytd only) | 13.5276% | 555 |
| Net charge-offs to loans | 0.0970% | 4,447 |
| Credit loss provision to net charge-offs | 288.1188% | 1,367 |
| Earnings coverage of net charge-offs (x) | 37.9010% | 725 |
| Efficiency ratio | 60.9109% | 6,018 |
| Assets per employee ($millions) | 3.4296% | 5,208 |
| Cash dividends to net income (ytd only)* | 7.5472% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,687 |
| Loan loss allowance to noncurrent loans | 514.7706% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 6,998 |
| Noncurrent loans to loans | 0.2619% | 6,803 |
| Net loans and leases to total assets | 56.2128% | 5,714 |
| Net loans and leases to deposits | 69.4331% | 5,418 |
| Net loans and leases to core deposits | 79.7044% | 4,797 |
| Total domestic deposits to total assets | 80.9598% | 5,474 |
| Equity capital to assets | 10.0985% | 3,749 |
| Core capital (leverage) ratio | 10.1837% | 2,948 |
| Tier 1 risk-based capital ratio | 15.3311% | 2,953 |
| Total risk-based capital ratio | 16.5422% | 2,923 |
| Memoranda: | ||
| Average total assets | $758,956,500 | 914 |
| Average earning assets | $682,263,000 | 924 |
| Average equity | $72,444,500 | 916 |
| Average total loans | $416,321,000 | 1,129 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 2,194 |
| Cost of funding earning assets | 0.9218% | 7,358 |
| Net interest margin | 4.9872% | 460 |
| Noninterest income to average assets | 1.2596% | 953 |
| Noninterest expense to average assets | 3.3617% | 2,801 |
| Loan and lease loss provision to assets | 0.1671% | 6,017 |
| Net operating income to assets | 1.6297% | 509 |
| Return on assets (ROA) | 1.6101% | 569 |
| Pretax return on assets | 2.1938% | 280 |
| Return on Equity (ROE) | 16.4616% | 507 |
| Retained earnings to average equity (ytd only) | 10.5048% | 322 |
| Net charge-offs to loans | 0.1425% | 5,810 |
| Credit loss provision to net charge-offs | 203.1414% | 1,910 |
| Earnings coverage of net charge-offs (x) | 29.0297% | 790 |
| Efficiency ratio | 58.4700% | 6,701 |
| Assets per employee ($millions) | 3.7675% | 4,361 |
| Cash dividends to net income (ytd only)* | 36.1861% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,750 |
| Loan loss allowance to noncurrent loans | 456.3973% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 6,986 |
| Noncurrent loans to loans | 0.2853% | 6,711 |
| Net loans and leases to total assets | 52.1929% | 6,402 |
| Net loans and leases to deposits | 63.0934% | 6,355 |
| Net loans and leases to core deposits | 75.0424% | 6,466 |
| Total domestic deposits to total assets | 82.7233% | 4,651 |
| Equity capital to assets | 9.0320% | 5,090 |
| Core capital (leverage) ratio | 10.0554% | 3,032 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,186 |
| Total risk-based capital ratio | 15.6838% | 3,195 |
| Memoranda: | ||
| Average total assets | $696,643,600 | 987 |
| Average earning assets | $627,162,800 | 996 |
| Average equity | $68,140,200 | 966 |
| Average total loans | $402,038,200 | 1,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0840% | 1,708 |
| Cost of funding earning assets | 0.9309% | 7,513 |
| Net interest margin | 5.1530% | 326 |
| Noninterest income to average assets | 1.3403% | 854 |
| Noninterest expense to average assets | 3.4106% | 2,545 |
| Loan and lease loss provision to assets | 0.1727% | 5,635 |
| Net operating income to assets | 1.7711% | 478 |
| Return on assets (ROA) | 1.7441% | 540 |
| Pretax return on assets | 2.3839% | 240 |
| Return on Equity (ROE) | 17.4408% | 505 |
| Retained earnings to average equity (ytd only) | 13.9155% | 201 |
| Net charge-offs to loans | 0.0847% | 5,837 |
| Credit loss provision to net charge-offs | 345.0593% | 1,185 |
| Earnings coverage of net charge-offs (x) | 51.8189% | 612 |
| Efficiency ratio | 56.8040% | 6,895 |
| Assets per employee ($millions) | 3.3155% | 5,353 |
| Cash dividends to net income (ytd only)* | 20.2132% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,340 |
| Loan loss allowance to noncurrent loans | 546.6399% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 7,057 |
| Noncurrent loans to loans | 0.2428% | 6,894 |
| Net loans and leases to total assets | 57.9120% | 5,905 |
| Net loans and leases to deposits | 72.1771% | 5,620 |
| Net loans and leases to core deposits | 87.3064% | 5,718 |
| Total domestic deposits to total assets | 80.2359% | 5,353 |
| Equity capital to assets | 10.1890% | 3,860 |
| Core capital (leverage) ratio | 10.3595% | 2,916 |
| Tier 1 risk-based capital ratio | 14.8488% | 3,113 |
| Total risk-based capital ratio | 16.0301% | 3,093 |
| Memoranda: | ||
| Average total assets | $673,954,000 | 1,031 |
| Average earning assets | $609,979,750 | 1,038 |
| Average equity | $67,395,750 | 989 |
| Average total loans | $398,450,250 | 1,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 1,713 |
| Cost of funding earning assets | 0.9094% | 7,683 |
| Net interest margin | 5.2156% | 290 |
| Noninterest income to average assets | 1.3916% | 788 |
| Noninterest expense to average assets | 3.5136% | 2,297 |
| Loan and lease loss provision to assets | 0.1749% | 5,299 |
| Net operating income to assets | 1.7268% | 536 |
| Return on assets (ROA) | 1.7268% | 584 |
| Pretax return on assets | 2.4039% | 252 |
| Return on Equity (ROE) | 17.3825% | 541 |
| Retained earnings to average equity (ytd only) | 12.1420% | 422 |
| Net charge-offs to loans | 0.0664% | 5,574 |
| Credit loss provision to net charge-offs | 444.2748% | 1,049 |
| Earnings coverage of net charge-offs (x) | 65.4962% | 556 |
| Efficiency ratio | 57.6714% | 6,914 |
| Assets per employee ($millions) | 3.1722% | 5,650 |
| Cash dividends to net income (ytd only)* | 30.1480% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,296 |
| Loan loss allowance to noncurrent loans | 549.5317% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 7,019 |
| Noncurrent loans to loans | 0.2359% | 6,925 |
| Net loans and leases to total assets | 60.0847% | 5,663 |
| Net loans and leases to deposits | 74.8293% | 5,340 |
| Net loans and leases to core deposits | 85.9812% | 5,907 |
| Total domestic deposits to total assets | 80.2956% | 5,353 |
| Equity capital to assets | 10.1164% | 3,799 |
| Core capital (leverage) ratio | 10.2231% | 3,069 |
| Tier 1 risk-based capital ratio | 14.4720% | 3,269 |
| Total risk-based capital ratio | 15.6383% | 3,250 |
| Memoranda: | ||
| Average total assets | $665,411,670 | 1,065 |
| Average earning assets | $599,740,000 | 1,072 |
| Average equity | $66,101,000 | 1,020 |
| Average total loans | $394,403,330 | 1,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0807% | 2,016 |
| Cost of funding earning assets | 0.9111% | 7,800 |
| Net interest margin | 5.1696% | 296 |
| Noninterest income to average assets | 1.4735% | 648 |
| Noninterest expense to average assets | 3.3510% | 2,492 |
| Loan and lease loss provision to assets | 0.1754% | 4,709 |
| Net operating income to assets | 1.7207% | 622 |
| Return on assets (ROA) | 1.7207% | 685 |
| Pretax return on assets | 2.5823% | 222 |
| Return on Equity (ROE) | 17.4837% | 638 |
| Retained earnings to average equity (ytd only) | 17.4837% | 250 |
| Net charge-offs to loans | 0.0608% | 4,609 |
| Credit loss provision to net charge-offs | 493.2203% | 1,102 |
| Earnings coverage of net charge-offs (x) | 77.5254% | 533 |
| Efficiency ratio | 54.8559% | 7,124 |
| Assets per employee ($millions) | 3.1464% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,091 |
| Loan loss allowance to noncurrent loans | 397.3312% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,943 |
| Noncurrent loans to loans | 0.3269% | 6,618 |
| Net loans and leases to total assets | 59.0655% | 5,801 |
| Net loans and leases to deposits | 70.4388% | 5,936 |
| Net loans and leases to core deposits | 80.8024% | 6,325 |
| Total domestic deposits to total assets | 83.8536% | 3,773 |
| Equity capital to assets | 10.2615% | 3,697 |
| Core capital (leverage) ratio | 10.2501% | 3,153 |
| Tier 1 risk-based capital ratio | 15.0391% | 3,049 |
| Total risk-based capital ratio | 16.2229% | 3,013 |
| Memoranda: | ||
| Average total assets | $663,448,000 | 1,068 |
| Average earning assets | $594,866,000 | 1,085 |
| Average equity | $65,295,000 | 1,045 |
| Average total loans | $387,879,500 | 1,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6055% | 2,460 |
| Cost of funding earning assets | 1.2903% | 7,856 |
| Net interest margin | 5.3153% | 278 |
| Noninterest income to average assets | 1.4277% | 704 |
| Noninterest expense to average assets | 3.6515% | 2,039 |
| Loan and lease loss provision to assets | 0.2733% | 4,212 |
| Net operating income to assets | 1.5115% | 997 |
| Return on assets (ROA) | 1.5115% | 966 |
| Pretax return on assets | 2.2475% | 359 |
| Return on Equity (ROE) | 14.8299% | 948 |
| Retained earnings to average equity (ytd only) | 5.6939% | 1,668 |
| Net charge-offs to loans | 0.3155% | 3,281 |
| Credit loss provision to net charge-offs | 149.2007% | 3,534 |
| Earnings coverage of net charge-offs (x) | 13.7638% | 2,106 |
| Efficiency ratio | 59.1599% | 6,508 |
| Assets per employee ($millions) | 3.2325% | 5,390 |
| Cash dividends to net income (ytd only)* | 61.6055% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,121 |
| Loan loss allowance to noncurrent loans | 347.9827% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 6,746 |
| Noncurrent loans to loans | 0.3596% | 6,289 |
| Net loans and leases to total assets | 56.4203% | 6,385 |
| Net loans and leases to deposits | 66.3849% | 6,613 |
| Net loans and leases to core deposits | 72.4294% | 7,053 |
| Total domestic deposits to total assets | 84.9896% | 2,850 |
| Equity capital to assets | 9.4372% | 4,775 |
| Core capital (leverage) ratio | 10.1293% | 3,335 |
| Tier 1 risk-based capital ratio | 14.1958% | 3,449 |
| Total risk-based capital ratio | 15.3238% | 3,432 |
| Memoranda: | ||
| Average total assets | $614,820,000 | 1,096 |
| Average earning assets | $548,796,800 | 1,121 |
| Average equity | $62,664,000 | 1,075 |
| Average total loans | $356,907,600 | 1,362 |