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Farmers State Bank, Performance and Condition Ratios
| 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 | 6.4090% | 1,046 |
| Cost of funding earning assets | 2.0098% | 4,079 |
| Net interest margin | 4.3992% | 1,341 |
| Noninterest income to average assets | 1.1042% | 1,218 |
| Noninterest expense to average assets | 4.1130% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7097% | 3,507 |
| Return on assets (ROA) | 1.0516% | 2,259 |
| Pretax return on assets | 1.3613% | 2,080 |
| Return on Equity (ROE) | 12.1171% | 1,624 |
| Retained earnings to average equity (ytd only) | 12.1171% | 767 |
| Net charge-offs to loans | -0.1546% | 7,978 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7654% | 2,563 |
| Assets per employee ($millions) | 2.4420% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,571 |
| Loan loss allowance to noncurrent loans | 71.5342% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 3,608 |
| Noncurrent loans to loans | 1.3097% | 4,359 |
| Net loans and leases to total assets | 59.8456% | 5,681 |
| Net loans and leases to deposits | 71.9346% | 5,752 |
| Net loans and leases to core deposits | 83.6331% | 6,091 |
| Total domestic deposits to total assets | 83.1944% | 4,054 |
| Equity capital to assets | 9.1889% | 5,100 |
| Core capital (leverage) ratio | 7.4454% | 7,220 |
| Tier 1 risk-based capital ratio | 10.2736% | 6,617 |
| Total risk-based capital ratio | 11.0886% | 7,006 |
| Memoranda: | ||
| Average total assets | $68,466,000 | 6,158 |
| Average earning assets | $61,102,000 | 6,209 |
| Average equity | $5,942,000 | 6,788 |
| Average total loans | $41,400,000 | 6,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4357% | 8,287 |
| Cost of funding earning assets | 0.1504% | 8,252 |
| Net interest margin | 0.2853% | 8,284 |
| Noninterest income to average assets | 0.0870% | 7,701 |
| Noninterest expense to average assets | 0.3932% | 8,269 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0357% | 6,417 |
| Return on assets (ROA) | -0.0357% | 6,269 |
| Pretax return on assets | -0.0466% | 6,206 |
| Return on Equity (ROE) | -0.4628% | 6,293 |
| Retained earnings to average equity (ytd only) | -0.4628% | 5,429 |
| Net charge-offs to loans | 0.0313% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 6,737 |
| Efficiency ratio | 113.4529% | 642 |
| Assets per employee ($millions) | 2.4484% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 6,709 |
| Loan loss allowance to noncurrent loans | 101.3661% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 3,641 |
| Noncurrent loans to loans | 0.8821% | 4,853 |
| Net loans and leases to total assets | 59.9831% | 5,907 |
| Net loans and leases to deposits | 71.6786% | 6,094 |
| Net loans and leases to core deposits | 82.4187% | 6,421 |
| Total domestic deposits to total assets | 83.6834% | 3,486 |
| Equity capital to assets | 8.1700% | 6,595 |
| Core capital (leverage) ratio | 7.1896% | 7,529 |
| Tier 1 risk-based capital ratio | 9.7816% | 6,972 |
| Total risk-based capital ratio | 10.5563% | 7,436 |
| Memoranda: | ||
| Average total assets | $64,340,200 | 6,218 |
| Average earning assets | $58,525,200 | 6,238 |
| Average equity | $4,969,400 | 7,154 |
| Average total loans | $38,397,400 | 6,248 |