Home > Family Bank FSB > Performance and Condition Ratios
Family Bank FSB, 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 | 4.7267% | 4,386 |
| Cost of funding earning assets | 1.4266% | 1,485 |
| Net interest margin | 3.3001% | 5,775 |
| Noninterest income to average assets | 0.6397% | 2,901 |
| Noninterest expense to average assets | 2.8278% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8723% | 2,694 |
| Return on assets (ROA) | 0.8723% | 2,750 |
| Pretax return on assets | 0.8723% | 3,611 |
| Return on Equity (ROE) | 9.1805% | 2,395 |
| Retained earnings to average equity (ytd only) | 2.8689% | 4,441 |
| Net charge-offs to loans | 0.0440% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 829 |
| Efficiency ratio | 76.4244% | 3,084 |
| Assets per employee ($millions) | 2.9776% | 6,187 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 5,030 |
| Loan loss allowance to noncurrent loans | 381.4516% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 5,784 |
| Noncurrent loans to loans | 0.3464% | 6,299 |
| Net loans and leases to total assets | 64.1234% | 3,417 |
| Net loans and leases to deposits | 77.7312% | 3,107 |
| Net loans and leases to core deposits | 81.1277% | 3,586 |
| Total domestic deposits to total assets | 82.4937% | 5,109 |
| Equity capital to assets | 9.5424% | 4,379 |
| Core capital (leverage) ratio | 9.5497% | 3,723 |
| Tier 1 risk-based capital ratio | 20.5850% | 1,459 |
| Total risk-based capital ratio | 21.8409% | 1,435 |
| Memoranda: | ||
| Average total assets | $110,051,000 | 4,735 |
| Average earning assets | $102,058,000 | 4,683 |
| Average equity | $10,457,000 | 4,926 |
| Average total loans | $72,703,500 | 4,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 5,000 |
| Cost of funding earning assets | 1.5898% | 2,128 |
| Net interest margin | 3.3171% | 5,925 |
| Noninterest income to average assets | 0.7005% | 2,837 |
| Noninterest expense to average assets | 2.9157% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8698% | 2,506 |
| Return on assets (ROA) | 0.8698% | 2,645 |
| Pretax return on assets | 0.8698% | 3,407 |
| Return on Equity (ROE) | 9.5105% | 2,105 |
| Retained earnings to average equity (ytd only) | 2.2742% | 4,286 |
| Net charge-offs to loans | 0.0242% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 438 |
| Efficiency ratio | 77.0219% | 2,869 |
| Assets per employee ($millions) | 2.8187% | 6,497 |
| Cash dividends to net income (ytd only)* | 76.0870% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 5,044 |
| Loan loss allowance to noncurrent loans | 369.7674% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,815 |
| Noncurrent loans to loans | 0.3495% | 6,360 |
| Net loans and leases to total assets | 66.2795% | 3,410 |
| Net loans and leases to deposits | 80.3212% | 3,111 |
| Net loans and leases to core deposits | 83.8746% | 3,615 |
| Total domestic deposits to total assets | 82.5180% | 5,015 |
| Equity capital to assets | 9.4615% | 4,450 |
| Core capital (leverage) ratio | 9.4993% | 3,707 |
| Tier 1 risk-based capital ratio | 19.6070% | 1,573 |
| Total risk-based capital ratio | 20.8645% | 1,538 |
| Memoranda: | ||
| Average total assets | $111,055,800 | 4,684 |
| Average earning assets | $103,282,600 | 4,629 |
| Average equity | $10,157,200 | 5,089 |
| Average total loans | $74,336,600 | 4,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 5,195 |
| Cost of funding earning assets | 1.6128% | 2,321 |
| Net interest margin | 3.3029% | 6,006 |
| Noninterest income to average assets | 0.6994% | 2,817 |
| Noninterest expense to average assets | 2.8693% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9005% | 2,604 |
| Return on assets (ROA) | 0.9005% | 2,756 |
| Pretax return on assets | 0.9005% | 3,554 |
| Return on Equity (ROE) | 9.9308% | 2,149 |
| Retained earnings to average equity (ytd only) | 0.2245% | 5,690 |
| Net charge-offs to loans | 0.0304% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 44.2276% | 635 |
| Efficiency ratio | 76.1118% | 2,931 |
| Assets per employee ($millions) | 2.6395% | 6,861 |
| Cash dividends to net income (ytd only)* | 97.7400% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,038 |
| Loan loss allowance to noncurrent loans | 338.6525% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 5,740 |
| Noncurrent loans to loans | 0.3796% | 6,434 |
| Net loans and leases to total assets | 67.7647% | 3,279 |
| Net loans and leases to deposits | 82.5584% | 2,996 |
| Net loans and leases to core deposits | 86.5095% | 3,583 |
| Total domestic deposits to total assets | 82.0809% | 4,960 |
| Equity capital to assets | 9.5112% | 4,825 |
| Core capital (leverage) ratio | 9.4610% | 3,959 |
| Tier 1 risk-based capital ratio | 18.9230% | 1,768 |
| Total risk-based capital ratio | 20.1786% | 1,733 |
| Memoranda: | ||
| Average total assets | $111,337,250 | 4,731 |
| Average earning assets | $103,503,500 | 4,686 |
| Average equity | $10,096,250 | 5,161 |
| Average total loans | $74,467,000 | 4,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 5,429 |
| Cost of funding earning assets | 1.6203% | 2,544 |
| Net interest margin | 3.2711% | 6,106 |
| Noninterest income to average assets | 0.6977% | 2,722 |
| Noninterest expense to average assets | 2.8333% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9112% | 2,513 |
| Return on assets (ROA) | 0.9112% | 2,619 |
| Pretax return on assets | 0.9112% | 3,449 |
| Return on Equity (ROE) | 10.2087% | 2,024 |
| Retained earnings to average equity (ytd only) | -4.4464% | 6,493 |
| Net charge-offs to loans | -0.0054% | 7,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6654% | 3,128 |
| Assets per employee ($millions) | 2.3434% | 7,305 |
| Cash dividends to net income (ytd only)* | 143.5547% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,810 |
| Loan loss allowance to noncurrent loans | 306.2893% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,833 |
| Noncurrent loans to loans | 0.4308% | 6,376 |
| Net loans and leases to total assets | 66.1425% | 3,802 |
| Net loans and leases to deposits | 80.2322% | 3,559 |
| Net loans and leases to core deposits | 83.7212% | 4,169 |
| Total domestic deposits to total assets | 82.4389% | 4,806 |
| Equity capital to assets | 9.1392% | 5,236 |
| Core capital (leverage) ratio | 9.0781% | 4,484 |
| Tier 1 risk-based capital ratio | 18.0107% | 1,958 |
| Total risk-based capital ratio | 19.2671% | 1,924 |
| Memoranda: | ||
| Average total assets | $112,376,330 | 4,741 |
| Average earning assets | $104,674,330 | 4,673 |
| Average equity | $10,030,670 | 5,191 |
| Average total loans | $74,526,000 | 4,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 5,283 |
| Cost of funding earning assets | 1.6254% | 2,800 |
| Net interest margin | 3.3116% | 5,925 |
| Noninterest income to average assets | 0.6732% | 2,785 |
| Noninterest expense to average assets | 2.8195% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9269% | 2,442 |
| Return on assets (ROA) | 0.9269% | 2,506 |
| Pretax return on assets | 0.9269% | 3,358 |
| Return on Equity (ROE) | 10.5063% | 1,947 |
| Retained earnings to average equity (ytd only) | -18.8555% | 7,342 |
| Net charge-offs to loans | -0.0588% | 7,390 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2587% | 3,351 |
| Assets per employee ($millions) | 2.4441% | 7,287 |
| Cash dividends to net income (ytd only)* | 279.4677% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,808 |
| Loan loss allowance to noncurrent loans | 638.3117% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 6,220 |
| Noncurrent loans to loans | 0.2074% | 6,920 |
| Net loans and leases to total assets | 65.1756% | 4,065 |
| Net loans and leases to deposits | 78.4823% | 3,948 |
| Net loans and leases to core deposits | 81.4094% | 4,568 |
| Total domestic deposits to total assets | 83.0450% | 4,599 |
| Equity capital to assets | 8.6972% | 5,735 |
| Core capital (leverage) ratio | 8.6367% | 5,144 |
| Tier 1 risk-based capital ratio | 17.7316% | 2,013 |
| Total risk-based capital ratio | 18.9884% | 1,982 |
| Memoranda: | ||
| Average total assets | $113,494,000 | 4,781 |
| Average earning assets | $105,325,500 | 4,726 |
| Average equity | $10,013,000 | 5,233 |
| Average total loans | $74,877,000 | 4,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,047 |
| Cost of funding earning assets | 1.8806% | 3,558 |
| Net interest margin | 3.4463% | 5,186 |
| Noninterest income to average assets | 0.8110% | 2,355 |
| Noninterest expense to average assets | 2.8687% | 4,660 |
| Loan and lease loss provision to assets | 0.1816% | 5,884 |
| Net operating income to assets | 0.9407% | 2,048 |
| Return on assets (ROA) | 0.9458% | 2,073 |
| Pretax return on assets | 0.9458% | 2,772 |
| Return on Equity (ROE) | 11.0953% | 1,395 |
| Retained earnings to average equity (ytd only) | 6.6329% | 1,105 |
| Net charge-offs to loans | 0.2150% | 5,281 |
| Credit loss provision to net charge-offs | 132.9114% | 3,759 |
| Earnings coverage of net charge-offs (x) | 8.2152% | 1,976 |
| Efficiency ratio | 71.8804% | 4,277 |
| Assets per employee ($millions) | 2.5458% | 7,129 |
| Cash dividends to net income (ytd only)* | 40.2194% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,832 |
| Loan loss allowance to noncurrent loans | 376.7442% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 5,874 |
| Noncurrent loans to loans | 0.3417% | 6,593 |
| Net loans and leases to total assets | 65.0518% | 4,365 |
| Net loans and leases to deposits | 78.4719% | 4,277 |
| Net loans and leases to core deposits | 106.4765% | 3,279 |
| Total domestic deposits to total assets | 82.8982% | 4,565 |
| Equity capital to assets | 8.9455% | 5,226 |
| Core capital (leverage) ratio | 8.8703% | 4,639 |
| Tier 1 risk-based capital ratio | 18.0463% | 1,883 |
| Total risk-based capital ratio | 19.3022% | 1,838 |
| Memoranda: | ||
| Average total assets | $115,663,200 | 4,684 |
| Average earning assets | $106,723,000 | 4,663 |
| Average equity | $9,860,000 | 5,338 |
| Average total loans | $73,479,400 | 4,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3571% | 5,144 |
| Cost of funding earning assets | 1.9114% | 3,820 |
| Net interest margin | 3.4457% | 5,085 |
| Noninterest income to average assets | 0.8901% | 2,024 |
| Noninterest expense to average assets | 2.9107% | 4,412 |
| Loan and lease loss provision to assets | 0.2415% | 5,026 |
| Net operating income to assets | 0.9223% | 2,335 |
| Return on assets (ROA) | 0.9292% | 2,377 |
| Pretax return on assets | 0.9292% | 3,132 |
| Return on Equity (ROE) | 11.0346% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.0256% | 2,477 |
| Net charge-offs to loans | 0.1882% | 4,889 |
| Credit loss provision to net charge-offs | 203.8835% | 2,186 |
| Earnings coverage of net charge-offs (x) | 9.8252% | 2,055 |
| Efficiency ratio | 71.4366% | 4,339 |
| Assets per employee ($millions) | 2.5378% | 7,167 |
| Cash dividends to net income (ytd only)* | 54.4551% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,183 |
| Loan loss allowance to noncurrent loans | 1,656.4516% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 5,727 |
| Noncurrent loans to loans | 0.0817% | 7,283 |
| Net loans and leases to total assets | 65.5514% | 4,520 |
| Net loans and leases to deposits | 80.6388% | 4,267 |
| Net loans and leases to core deposits | 116.7423% | 2,547 |
| Total domestic deposits to total assets | 81.2902% | 4,964 |
| Equity capital to assets | 8.7223% | 5,922 |
| Core capital (leverage) ratio | 8.6424% | 5,239 |
| Tier 1 risk-based capital ratio | 17.6168% | 2,094 |
| Total risk-based capital ratio | 18.8738% | 2,047 |
| Memoranda: | ||
| Average total assets | $115,938,750 | 4,701 |
| Average earning assets | $107,145,500 | 4,677 |
| Average equity | $9,763,000 | 5,411 |
| Average total loans | $72,975,250 | 4,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 5,289 |
| Cost of funding earning assets | 1.9463% | 4,028 |
| Net interest margin | 3.4269% | 5,073 |
| Noninterest income to average assets | 0.5579% | 3,973 |
| Noninterest expense to average assets | 2.8013% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9269% | 2,356 |
| Return on assets (ROA) | 0.9372% | 2,412 |
| Pretax return on assets | 0.9372% | 3,219 |
| Return on Equity (ROE) | 11.2612% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.9706% | 2,528 |
| Net charge-offs to loans | 0.1305% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.4894% | 1,899 |
| Efficiency ratio | 75.1381% | 3,853 |
| Assets per employee ($millions) | 2.4998% | 7,251 |
| Cash dividends to net income (ytd only)* | 55.8608% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,087 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 5,132 |
| Noncurrent loans to loans | 0.5239% | 6,223 |
| Net loans and leases to total assets | 63.6493% | 5,055 |
| Net loans and leases to deposits | 79.0972% | 4,687 |
| Net loans and leases to core deposits | 114.1202% | 2,896 |
| Total domestic deposits to total assets | 80.4698% | 5,290 |
| Equity capital to assets | 8.5189% | 6,017 |
| Core capital (leverage) ratio | 8.4967% | 5,454 |
| Tier 1 risk-based capital ratio | 17.4810% | 2,158 |
| Total risk-based capital ratio | 18.7351% | 2,110 |
| Memoranda: | ||
| Average total assets | $116,517,670 | 4,717 |
| Average earning assets | $107,794,670 | 4,681 |
| Average equity | $9,697,000 | 5,459 |
| Average total loans | $72,004,330 | 4,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 5,672 |
| Cost of funding earning assets | 2.0144% | 4,063 |
| Net interest margin | 3.3328% | 5,392 |
| Noninterest income to average assets | 0.5457% | 3,966 |
| Noninterest expense to average assets | 2.7285% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9038% | 2,691 |
| Return on assets (ROA) | 0.9243% | 2,735 |
| Pretax return on assets | 0.9243% | 3,623 |
| Return on Equity (ROE) | 11.2361% | 1,900 |
| Retained earnings to average equity (ytd only) | 7.7118% | 1,921 |
| Net charge-offs to loans | 0.1071% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 13.9474% | 1,706 |
| Efficiency ratio | 75.1174% | 3,639 |
| Assets per employee ($millions) | 2.5530% | 7,179 |
| Cash dividends to net income (ytd only)* | 31.3653% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,303 |
| Loan loss allowance to noncurrent loans | 215.0358% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 5,041 |
| Noncurrent loans to loans | 0.5887% | 5,922 |
| Net loans and leases to total assets | 59.8379% | 5,686 |
| Net loans and leases to deposits | 75.5599% | 5,284 |
| Net loans and leases to core deposits | 108.8070% | 3,585 |
| Total domestic deposits to total assets | 79.1926% | 5,647 |
| Equity capital to assets | 8.2937% | 6,402 |
| Core capital (leverage) ratio | 8.2727% | 5,954 |
| Tier 1 risk-based capital ratio | 17.5668% | 2,170 |
| Total risk-based capital ratio | 18.8215% | 2,105 |
| Memoranda: | ||
| Average total assets | $117,281,000 | 4,724 |
| Average earning assets | $108,617,500 | 4,674 |
| Average equity | $9,647,500 | 5,491 |
| Average total loans | $70,974,500 | 4,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 6,625 |
| Cost of funding earning assets | 2.6338% | 3,513 |
| Net interest margin | 3.1093% | 6,627 |
| Noninterest income to average assets | 0.6115% | 3,767 |
| Noninterest expense to average assets | 2.6859% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8550% | 3,203 |
| Return on assets (ROA) | 0.8550% | 3,043 |
| Pretax return on assets | 0.8550% | 3,868 |
| Return on Equity (ROE) | 10.4647% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.7662% | 1,233 |
| Net charge-offs to loans | 0.0588% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.9048% | 1,443 |
| Efficiency ratio | 75.8534% | 3,256 |
| Assets per employee ($millions) | 2.3903% | 7,417 |
| Cash dividends to net income (ytd only)* | 35.3430% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,784 |
| Loan loss allowance to noncurrent loans | 161.4035% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 4,530 |
| Noncurrent loans to loans | 0.8054% | 5,032 |
| Net loans and leases to total assets | 59.6424% | 5,966 |
| Net loans and leases to deposits | 75.1857% | 5,707 |
| Net loans and leases to core deposits | 101.7227% | 4,648 |
| Total domestic deposits to total assets | 79.3269% | 5,259 |
| Equity capital to assets | 8.1581% | 6,620 |
| Core capital (leverage) ratio | 8.1628% | 6,235 |
| Tier 1 risk-based capital ratio | 17.3172% | 2,226 |
| Total risk-based capital ratio | 18.5724% | 2,177 |
| Memoranda: | ||
| Average total assets | $112,514,800 | 4,708 |
| Average earning assets | $106,004,800 | 4,614 |
| Average equity | $9,192,800 | 5,676 |
| Average total loans | $71,417,200 | 4,816 |