Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 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 | 5.2842% | 3,431 |
| Cost of funding earning assets | 1.8252% | 1,321 |
| Net interest margin | 3.4590% | 5,460 |
| Noninterest income to average assets | 0.2316% | 6,236 |
| Noninterest expense to average assets | 1.6955% | 7,439 |
| Loan and lease loss provision to assets | 0.4436% | 3,255 |
| Net operating income to assets | 0.7516% | 3,209 |
| Return on assets (ROA) | 0.7516% | 3,370 |
| Pretax return on assets | 1.2544% | 2,320 |
| Return on Equity (ROE) | 8.8074% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.0534% | 2,950 |
| Net charge-offs to loans | -0.1921% | 7,614 |
| Credit loss provision to net charge-offs | -305.0847% | 6,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9637% | 7,155 |
| Assets per employee ($millions) | 6.9945% | 774 |
| Cash dividends to net income (ytd only)* | 42.6228% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,356 |
| Loan loss allowance to noncurrent loans | 75.0446% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0051% | 3,462 |
| Noncurrent loans to loans | 2.5955% | 3,026 |
| Net loans and leases to total assets | 75.7488% | 1,455 |
| Net loans and leases to deposits | 90.7157% | 1,618 |
| Net loans and leases to core deposits | 108.9362% | 1,097 |
| Total domestic deposits to total assets | 83.5013% | 4,375 |
| Equity capital to assets | 8.3995% | 6,397 |
| Core capital (leverage) ratio | 8.7187% | 5,153 |
| Tier 1 risk-based capital ratio | 10.1959% | 6,961 |
| Total risk-based capital ratio | 11.4541% | 6,932 |
| Memoranda: | ||
| Average total assets | $54,103,250 | 6,471 |
| Average earning assets | $49,454,250 | 6,456 |
| Average equity | $4,617,250 | 6,869 |
| Average total loans | $40,938,500 | 5,965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 3,486 |
| Cost of funding earning assets | 1.9103% | 1,203 |
| Net interest margin | 3.3870% | 5,685 |
| Noninterest income to average assets | 0.2281% | 6,281 |
| Noninterest expense to average assets | 1.6266% | 7,551 |
| Loan and lease loss provision to assets | 0.4487% | 3,080 |
| Net operating income to assets | 0.7366% | 3,252 |
| Return on assets (ROA) | 0.7366% | 3,399 |
| Pretax return on assets | 1.2489% | 2,260 |
| Return on Equity (ROE) | 8.5845% | 2,627 |
| Retained earnings to average equity (ytd only) | 5.0984% | 2,848 |
| Net charge-offs to loans | -0.2937% | 7,685 |
| Credit loss provision to net charge-offs | -203.3898% | 6,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9314% | 7,293 |
| Assets per employee ($millions) | 6.5969% | 919 |
| Cash dividends to net income (ytd only)* | 40.6091% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,361 |
| Loan loss allowance to noncurrent loans | 42.0883% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 3.5206% | 1,991 |
| Noncurrent loans to loans | 4.5693% | 1,584 |
| Net loans and leases to total assets | 75.5680% | 1,579 |
| Net loans and leases to deposits | 91.7374% | 1,573 |
| Net loans and leases to core deposits | 103.1636% | 1,719 |
| Total domestic deposits to total assets | 82.3742% | 4,839 |
| Equity capital to assets | 8.8053% | 5,745 |
| Core capital (leverage) ratio | 8.5530% | 5,319 |
| Tier 1 risk-based capital ratio | 10.6964% | 6,534 |
| Total risk-based capital ratio | 11.9538% | 6,513 |
| Memoranda: | ||
| Average total assets | $53,485,670 | 6,535 |
| Average earning assets | $48,893,330 | 6,508 |
| Average equity | $4,589,670 | 6,908 |
| Average total loans | $40,175,330 | 6,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 4,110 |
| Cost of funding earning assets | 1.9604% | 1,210 |
| Net interest margin | 3.2242% | 6,216 |
| Noninterest income to average assets | 0.2154% | 6,419 |
| Noninterest expense to average assets | 1.7013% | 7,576 |
| Loan and lease loss provision to assets | 0.4458% | 2,734 |
| Net operating income to assets | 0.6686% | 3,580 |
| Return on assets (ROA) | 0.6686% | 3,692 |
| Pretax return on assets | 1.0252% | 2,990 |
| Return on Equity (ROE) | 7.8930% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.2620% | 3,005 |
| Net charge-offs to loans | -0.6511% | 7,824 |
| Credit loss provision to net charge-offs | -92.3077% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6300% | 7,009 |
| Assets per employee ($millions) | 6.7574% | 885 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,834 |
| Loan loss allowance to noncurrent loans | 55.4455% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.4288% | 2,988 |
| Noncurrent loans to loans | 3.1878% | 2,506 |
| Net loans and leases to total assets | 74.8442% | 1,777 |
| Net loans and leases to deposits | 93.2989% | 1,433 |
| Net loans and leases to core deposits | 107.7468% | 1,434 |
| Total domestic deposits to total assets | 80.2198% | 5,712 |
| Equity capital to assets | 8.4944% | 6,008 |
| Core capital (leverage) ratio | 8.4403% | 5,482 |
| Tier 1 risk-based capital ratio | 10.6503% | 6,493 |
| Total risk-based capital ratio | 11.9061% | 6,473 |
| Memoranda: | ||
| Average total assets | $53,841,000 | 6,609 |
| Average earning assets | $49,377,000 | 6,577 |
| Average equity | $4,561,000 | 6,985 |
| Average total loans | $39,931,500 | 6,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7311% | 2,954 |
| Cost of funding earning assets | 2.2529% | 1,830 |
| Net interest margin | 3.4783% | 5,050 |
| Noninterest income to average assets | 0.2512% | 6,307 |
| Noninterest expense to average assets | 1.5763% | 7,780 |
| Loan and lease loss provision to assets | 0.9473% | 2,379 |
| Net operating income to assets | 0.6098% | 3,294 |
| Return on assets (ROA) | 0.6136% | 3,350 |
| Pretax return on assets | 0.9339% | 2,816 |
| Return on Equity (ROE) | 7.3277% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.3277% | 866 |
| Net charge-offs to loans | 1.0065% | 2,402 |
| Credit loss provision to net charge-offs | 118.4652% | 4,550 |
| Earnings coverage of net charge-offs (x) | 2.3453% | 3,971 |
| Efficiency ratio | 45.6667% | 7,731 |
| Assets per employee ($millions) | 6.7029% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 3,440 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 5,111 |
| Noncurrent loans to loans | 1.3859% | 4,605 |
| Net loans and leases to total assets | 70.9994% | 3,002 |
| Net loans and leases to deposits | 85.3078% | 3,025 |
| Net loans and leases to core deposits | 95.1396% | 4,556 |
| Total domestic deposits to total assets | 83.2273% | 4,409 |
| Equity capital to assets | 8.4479% | 5,974 |
| Core capital (leverage) ratio | 8.3273% | 5,563 |
| Tier 1 risk-based capital ratio | 10.3562% | 6,534 |
| Total risk-based capital ratio | 11.6080% | 6,501 |
| Memoranda: | ||
| Average total assets | $52,147,400 | 6,634 |
| Average earning assets | $47,983,600 | 6,600 |
| Average equity | $4,367,000 | 7,153 |
| Average total loans | $41,430,800 | 6,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8354% | 2,723 |
| Cost of funding earning assets | 2.2957% | 2,000 |
| Net interest margin | 3.5397% | 4,699 |
| Noninterest income to average assets | 0.2446% | 6,484 |
| Noninterest expense to average assets | 1.6120% | 7,825 |
| Loan and lease loss provision to assets | 0.8781% | 2,190 |
| Net operating income to assets | 0.6712% | 3,311 |
| Return on assets (ROA) | 0.6746% | 3,360 |
| Pretax return on assets | 1.0274% | 2,816 |
| Return on Equity (ROE) | 8.0744% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.0744% | 1,116 |
| Net charge-offs to loans | 0.4274% | 3,546 |
| Credit loss provision to net charge-offs | 252.5926% | 1,696 |
| Earnings coverage of net charge-offs (x) | 5.4666% | 2,813 |
| Efficiency ratio | 45.8944% | 7,776 |
| Assets per employee ($millions) | 6.4528% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 2,449 |
| Loan loss allowance to noncurrent loans | 87.8752% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 3,930 |
| Noncurrent loans to loans | 1.9892% | 3,656 |
| Net loans and leases to total assets | 79.7025% | 1,233 |
| Net loans and leases to deposits | 95.4440% | 1,652 |
| Net loans and leases to core deposits | 107.3583% | 3,550 |
| Total domestic deposits to total assets | 83.5070% | 3,959 |
| Equity capital to assets | 8.6688% | 6,008 |
| Core capital (leverage) ratio | 8.2874% | 5,854 |
| Tier 1 risk-based capital ratio | 10.2868% | 6,698 |
| Total risk-based capital ratio | 11.5416% | 6,636 |
| Memoranda: | ||
| Average total assets | $51,778,500 | 6,696 |
| Average earning assets | $47,799,250 | 6,659 |
| Average equity | $4,326,250 | 7,241 |
| Average total loans | $42,119,750 | 6,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 2,988 |
| Cost of funding earning assets | 2.3378% | 2,211 |
| Net interest margin | 3.4753% | 4,914 |
| Noninterest income to average assets | 0.2315% | 6,628 |
| Noninterest expense to average assets | 1.5975% | 7,912 |
| Loan and lease loss provision to assets | 0.6907% | 2,356 |
| Net operating income to assets | 0.7447% | 3,070 |
| Return on assets (ROA) | 0.7447% | 3,175 |
| Pretax return on assets | 1.1499% | 2,467 |
| Return on Equity (ROE) | 9.0257% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.0257% | 930 |
| Net charge-offs to loans | 0.6398% | 2,439 |
| Credit loss provision to net charge-offs | 132.5926% | 3,525 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,405 |
| Efficiency ratio | 46.4646% | 7,832 |
| Assets per employee ($millions) | 6.6831% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,886 |
| Loan loss allowance to noncurrent loans | 39.7490% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 2.6821% | 2,395 |
| Noncurrent loans to loans | 3.4467% | 2,042 |
| Net loans and leases to total assets | 76.7511% | 2,002 |
| Net loans and leases to deposits | 91.2984% | 2,602 |
| Net loans and leases to core deposits | 102.3623% | 4,252 |
| Total domestic deposits to total assets | 84.0662% | 3,728 |
| Equity capital to assets | 8.2035% | 6,486 |
| Core capital (leverage) ratio | 8.2040% | 5,978 |
| Tier 1 risk-based capital ratio | 10.2070% | 6,704 |
| Total risk-based capital ratio | 11.4581% | 6,631 |
| Memoranda: | ||
| Average total assets | $51,830,670 | 6,752 |
| Average earning assets | $47,823,330 | 6,715 |
| Average equity | $4,276,670 | 7,316 |
| Average total loans | $42,201,000 | 6,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0591% | 2,114 |
| Cost of funding earning assets | 2.4663% | 2,045 |
| Net interest margin | 3.5928% | 4,340 |
| Noninterest income to average assets | 0.2274% | 6,639 |
| Noninterest expense to average assets | 1.4976% | 7,990 |
| Loan and lease loss provision to assets | 0.5489% | 2,276 |
| Net operating income to assets | 0.9566% | 2,490 |
| Return on assets (ROA) | 0.9566% | 2,618 |
| Pretax return on assets | 1.4820% | 1,718 |
| Return on Equity (ROE) | 11.5585% | 1,793 |
| Retained earnings to average equity (ytd only) | 11.5585% | 871 |
| Net charge-offs to loans | 0.5177% | 2,166 |
| Credit loss provision to net charge-offs | 127.2727% | 3,135 |
| Earnings coverage of net charge-offs (x) | 4.7091% | 2,831 |
| Efficiency ratio | 42.4444% | 7,986 |
| Assets per employee ($millions) | 6.3986% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,346 |
| Loan loss allowance to noncurrent loans | 88.2545% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,275 |
| Noncurrent loans to loans | 1.4269% | 4,163 |
| Net loans and leases to total assets | 82.8674% | 872 |
| Net loans and leases to deposits | 97.5060% | 1,734 |
| Net loans and leases to core deposits | 110.0649% | 3,429 |
| Total domestic deposits to total assets | 84.9870% | 3,213 |
| Equity capital to assets | 8.3885% | 6,251 |
| Core capital (leverage) ratio | 8.1937% | 6,118 |
| Tier 1 risk-based capital ratio | 9.9506% | 6,984 |
| Total risk-based capital ratio | 11.2000% | 6,888 |
| Memoranda: | ||
| Average total assets | $51,013,500 | 6,819 |
| Average earning assets | $46,872,000 | 6,802 |
| Average equity | $4,222,000 | 7,373 |
| Average total loans | $42,499,000 | 6,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9191% | 1,346 |
| Cost of funding earning assets | 3.1889% | 1,230 |
| Net interest margin | 3.7302% | 4,327 |
| Noninterest income to average assets | 0.2505% | 6,658 |
| Noninterest expense to average assets | 1.6032% | 7,960 |
| Loan and lease loss provision to assets | 0.1643% | 5,283 |
| Net operating income to assets | 1.2365% | 1,660 |
| Return on assets (ROA) | 1.2365% | 1,607 |
| Pretax return on assets | 1.8938% | 777 |
| Return on Equity (ROE) | 15.6290% | 828 |
| Retained earnings to average equity (ytd only) | 12.4626% | 197 |
| Net charge-offs to loans | 0.1542% | 4,655 |
| Credit loss provision to net charge-offs | 130.1587% | 4,084 |
| Earnings coverage of net charge-offs (x) | 16.3016% | 1,854 |
| Efficiency ratio | 43.7876% | 8,019 |
| Assets per employee ($millions) | 6.3548% | 958 |
| Cash dividends to net income (ytd only)* | 20.2593% | 4,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,122 |
| Loan loss allowance to noncurrent loans | 121.1982% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 4,709 |
| Noncurrent loans to loans | 1.0324% | 4,521 |
| Net loans and leases to total assets | 81.6555% | 1,292 |
| Net loans and leases to deposits | 97.2520% | 2,241 |
| Net loans and leases to core deposits | 111.0065% | 3,683 |
| Total domestic deposits to total assets | 83.9628% | 3,338 |
| Equity capital to assets | 8.1632% | 6,611 |
| Core capital (leverage) ratio | 8.2645% | 6,019 |
| Tier 1 risk-based capital ratio | 9.8107% | 6,946 |
| Total risk-based capital ratio | 11.0599% | 6,840 |
| Memoranda: | ||
| Average total assets | $49,900,000 | 6,780 |
| Average earning assets | $45,627,200 | 6,786 |
| Average equity | $3,947,800 | 7,530 |
| Average total loans | $40,864,400 | 6,129 |