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 | 3.8705% | 7,363 |
| Cost of funding earning assets | 0.4737% | 7,481 |
| Net interest margin | 3.3970% | 5,691 |
| Noninterest income to average assets | 0.3823% | 5,094 |
| Noninterest expense to average assets | 3.4550% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0147% | 5,970 |
| Return on assets (ROA) | 0.0147% | 6,095 |
| Pretax return on assets | -0.0148% | 6,108 |
| Return on Equity (ROE) | 0.1649% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.1649% | 5,706 |
| Net charge-offs to loans | -0.0901% | 7,536 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4274% | 728 |
| Assets per employee ($millions) | 4.2025% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 2,327 |
| Loan loss allowance to noncurrent loans | 160.0000% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 5,537 |
| Noncurrent loans to loans | 1.2245% | 4,802 |
| Net loans and leases to total assets | 28.5782% | 7,496 |
| Net loans and leases to deposits | 31.9840% | 7,539 |
| Net loans and leases to core deposits | 31.9840% | 7,557 |
| Total domestic deposits to total assets | 89.3516% | 1,202 |
| Equity capital to assets | 9.6609% | 4,600 |
| Core capital (leverage) ratio | 8.2327% | 5,989 |
| Tier 1 risk-based capital ratio | 20.7421% | 1,407 |
| Total risk-based capital ratio | 21.9968% | 1,381 |
| Memoranda: | ||
| Average total assets | $9,069,000 | 7,735 |
| Average earning assets | $8,164,000 | 7,721 |
| Average equity | $806,500 | 7,749 |
| Average total loans | $2,964,000 | 7,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 7,446 |
| Cost of funding earning assets | 0.4783% | 7,571 |
| Net interest margin | 3.3958% | 5,660 |
| Noninterest income to average assets | 0.4090% | 4,833 |
| Noninterest expense to average assets | 3.6382% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1292% | 6,265 |
| Return on assets (ROA) | -0.1292% | 6,339 |
| Pretax return on assets | -0.1722% | 6,312 |
| Return on Equity (ROE) | -1.4913% | 6,372 |
| Retained earnings to average equity (ytd only) | -1.4913% | 6,061 |
| Net charge-offs to loans | -0.1276% | 7,589 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9689% | 655 |
| Assets per employee ($millions) | 4.9520% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 6,525 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 28.4632% | 7,573 |
| Net loans and leases to deposits | 31.2078% | 7,622 |
| Net loans and leases to core deposits | 31.2078% | 7,641 |
| Total domestic deposits to total assets | 91.2056% | 412 |
| Equity capital to assets | 8.1078% | 6,648 |
| Core capital (leverage) ratio | 7.9636% | 6,309 |
| Tier 1 risk-based capital ratio | 12.5920% | 4,775 |
| Total risk-based capital ratio | 13.3769% | 5,172 |
| Memoranda: | ||
| Average total assets | $9,290,330 | 7,799 |
| Average earning assets | $8,363,330 | 7,788 |
| Average equity | $804,670 | 7,816 |
| Average total loans | $3,135,330 | 7,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 7,315 |
| Cost of funding earning assets | 0.5006% | 7,671 |
| Net interest margin | 3.6543% | 4,467 |
| Noninterest income to average assets | 0.4898% | 4,128 |
| Noninterest expense to average assets | 3.6511% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0891% | 6,056 |
| Return on assets (ROA) | 0.0891% | 6,153 |
| Pretax return on assets | 0.0891% | 6,162 |
| Return on Equity (ROE) | 0.9932% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.9932% | 5,419 |
| Net charge-offs to loans | -0.2447% | 7,706 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6190% | 938 |
| Assets per employee ($millions) | 3.1720% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 6,526 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.2753% | 7,615 |
| Net loans and leases to deposits | 33.3218% | 7,676 |
| Net loans and leases to core deposits | 33.3218% | 7,698 |
| Total domestic deposits to total assets | 90.8575% | 603 |
| Equity capital to assets | 8.4699% | 6,042 |
| Core capital (leverage) ratio | 7.5571% | 6,789 |
| Tier 1 risk-based capital ratio | 18.5636% | 1,820 |
| Total risk-based capital ratio | 19.7089% | 1,811 |
| Memoranda: | ||
| Average total assets | $8,983,500 | 7,906 |
| Average earning assets | $7,990,500 | 7,891 |
| Average equity | $805,500 | 7,908 |
| Average total loans | $3,269,500 | 7,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 7,405 |
| Cost of funding earning assets | 0.7201% | 7,661 |
| Net interest margin | 3.7523% | 3,903 |
| Noninterest income to average assets | 0.2325% | 6,450 |
| Noninterest expense to average assets | 4.0220% | 1,330 |
| Loan and lease loss provision to assets | 0.0930% | 6,671 |
| Net operating income to assets | -0.3487% | 6,027 |
| Return on assets (ROA) | -0.3487% | 6,016 |
| Pretax return on assets | -0.4301% | 5,949 |
| Return on Equity (ROE) | -3.6919% | 6,078 |
| Retained earnings to average equity (ytd only) | -3.6919% | 5,821 |
| Net charge-offs to loans | 0.4651% | 3,918 |
| Credit loss provision to net charge-offs | 42.1053% | 6,813 |
| Earnings coverage of net charge-offs (x) | -1.5263% | 6,961 |
| Efficiency ratio | 109.1483% | 817 |
| Assets per employee ($millions) | 2.8170% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,910 |
| Loan loss allowance to noncurrent loans | 54.1176% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 4,269 |
| Noncurrent loans to loans | 2.3546% | 3,223 |
| Net loans and leases to total assets | 42.1725% | 7,242 |
| Net loans and leases to deposits | 47.0495% | 7,392 |
| Net loans and leases to core deposits | 47.8197% | 7,637 |
| Total domestic deposits to total assets | 89.6344% | 1,138 |
| Equity capital to assets | 9.5255% | 4,384 |
| Core capital (leverage) ratio | 8.2668% | 5,686 |
| Tier 1 risk-based capital ratio | 16.8330% | 2,192 |
| Total risk-based capital ratio | 17.8308% | 2,233 |
| Memoranda: | ||
| Average total assets | $8,602,600 | 7,987 |
| Average earning assets | $7,915,200 | 7,969 |
| Average equity | $812,600 | 7,994 |
| Average total loans | $4,084,800 | 7,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 7,653 |
| Cost of funding earning assets | 0.7506% | 7,758 |
| Net interest margin | 3.5859% | 4,533 |
| Noninterest income to average assets | 0.1698% | 6,993 |
| Noninterest expense to average assets | 4.0583% | 1,200 |
| Loan and lease loss provision to assets | 0.1235% | 6,123 |
| Net operating income to assets | -0.5709% | 6,501 |
| Return on assets (ROA) | -0.5709% | 6,493 |
| Pretax return on assets | -0.6944% | 6,480 |
| Return on Equity (ROE) | -6.0565% | 6,561 |
| Retained earnings to average equity (ytd only) | -6.0565% | 6,394 |
| Net charge-offs to loans | 0.6026% | 2,868 |
| Credit loss provision to net charge-offs | 42.1053% | 6,401 |
| Earnings coverage of net charge-offs (x) | -1.9475% | 6,737 |
| Efficiency ratio | 116.3717% | 651 |
| Assets per employee ($millions) | 3.3343% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 7,084 |
| Loan loss allowance to noncurrent loans | 48.4211% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3096% | 4,463 |
| Noncurrent loans to loans | 1.6711% | 4,139 |
| Net loans and leases to total assets | 56.3731% | 6,099 |
| Net loans and leases to deposits | 62.6416% | 6,618 |
| Net loans and leases to core deposits | 64.2987% | 7,235 |
| Total domestic deposits to total assets | 89.9930% | 770 |
| Equity capital to assets | 8.0176% | 6,833 |
| Core capital (leverage) ratio | 7.9319% | 6,468 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,118 |
| Total risk-based capital ratio | 12.5443% | 5,584 |
| Memoranda: | ||
| Average total assets | $8,640,500 | 8,073 |
| Average earning assets | $7,994,000 | 8,054 |
| Average equity | $814,500 | 8,078 |
| Average total loans | $4,203,500 | 7,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 7,498 |
| Cost of funding earning assets | 0.8499% | 7,759 |
| Net interest margin | 3.7714% | 3,667 |
| Noninterest income to average assets | 0.0733% | 7,616 |
| Noninterest expense to average assets | 3.9334% | 1,425 |
| Loan and lease loss provision to assets | 0.1954% | 5,104 |
| Net operating income to assets | -0.4642% | 6,512 |
| Return on assets (ROA) | -0.4642% | 6,518 |
| Pretax return on assets | -0.5863% | 6,510 |
| Return on Equity (ROE) | -4.6417% | 6,566 |
| Retained earnings to average equity (ytd only) | -4.6417% | 6,245 |
| Net charge-offs to loans | 0.9704% | 1,800 |
| Credit loss provision to net charge-offs | 44.4444% | 5,837 |
| Earnings coverage of net charge-offs (x) | -0.8889% | 6,202 |
| Efficiency ratio | 111.0345% | 827 |
| Assets per employee ($millions) | 3.0027% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,030 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,975 |
| Noncurrent loans to loans | 0.5102% | 6,250 |
| Net loans and leases to total assets | 34.2806% | 7,765 |
| Net loans and leases to deposits | 37.9641% | 7,863 |
| Net loans and leases to core deposits | 39.0787% | 7,940 |
| Total domestic deposits to total assets | 90.2975% | 712 |
| Equity capital to assets | 8.9032% | 5,449 |
| Core capital (leverage) ratio | 8.6218% | 5,224 |
| Tier 1 risk-based capital ratio | 18.9913% | 1,780 |
| Total risk-based capital ratio | 20.1496% | 1,753 |
| Memoranda: | ||
| Average total assets | $8,186,330 | 8,169 |
| Average earning assets | $7,530,330 | 8,156 |
| Average equity | $818,670 | 8,171 |
| Average total loans | $3,709,670 | 8,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 7,110 |
| Cost of funding earning assets | 0.9516% | 7,749 |
| Net interest margin | 3.9745% | 2,758 |
| Noninterest income to average assets | 0.6688% | 3,082 |
| Noninterest expense to average assets | 4.0640% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2572% | 5,456 |
| Return on assets (ROA) | 0.2572% | 5,620 |
| Pretax return on assets | 0.2572% | 5,796 |
| Return on Equity (ROE) | 2.4184% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.4184% | 4,529 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0476% | 1,429 |
| Assets per employee ($millions) | 2.8450% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 2,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.1869% | 7,398 |
| Net loans and leases to deposits | 48.2966% | 7,566 |
| Net loans and leases to core deposits | 49.8108% | 7,798 |
| Total domestic deposits to total assets | 89.4200% | 1,046 |
| Equity capital to assets | 9.7715% | 4,278 |
| Core capital (leverage) ratio | 10.4659% | 2,968 |
| Tier 1 risk-based capital ratio | 17.3550% | 2,228 |
| Total risk-based capital ratio | 18.5748% | 2,184 |
| Memoranda: | ||
| Average total assets | $7,775,500 | 8,223 |
| Average earning assets | $7,145,500 | 8,208 |
| Average equity | $827,000 | 8,223 |
| Average total loans | $3,996,500 | 8,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8333% | 6,322 |
| Cost of funding earning assets | 1.3371% | 7,805 |
| Net interest margin | 4.4962% | 1,435 |
| Noninterest income to average assets | 0.5139% | 4,519 |
| Noninterest expense to average assets | 4.7917% | 715 |
| Loan and lease loss provision to assets | 1.4167% | 971 |
| Net operating income to assets | -0.8889% | 7,179 |
| Return on assets (ROA) | -0.8889% | 7,097 |
| Pretax return on assets | -1.4444% | 7,229 |
| Return on Equity (ROE) | -7.6886% | 7,110 |
| Retained earnings to average equity (ytd only) | -7.6886% | 6,861 |
| Net charge-offs to loans | 2.2739% | 452 |
| Credit loss provision to net charge-offs | 103.0303% | 5,182 |
| Earnings coverage of net charge-offs (x) | -0.0202% | 6,257 |
| Efficiency ratio | 100.5831% | 962 |
| Assets per employee ($millions) | 2.3387% | 7,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,528 |
| Loan loss allowance to noncurrent loans | 1,140.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 1.6106% | 3,027 |
| Noncurrent loans to loans | 0.1176% | 7,061 |
| Net loans and leases to total assets | 59.7634% | 5,945 |
| Net loans and leases to deposits | 68.3010% | 6,430 |
| Net loans and leases to core deposits | 70.9235% | 7,137 |
| Total domestic deposits to total assets | 87.5000% | 1,706 |
| Equity capital to assets | 11.6876% | 2,509 |
| Core capital (leverage) ratio | 11.1851% | 2,439 |
| Tier 1 risk-based capital ratio | 16.8760% | 2,348 |
| Total risk-based capital ratio | 18.0695% | 2,314 |
| Memoranda: | ||
| Average total assets | $7,200,000 | 8,285 |
| Average earning assets | $6,805,800 | 8,269 |
| Average equity | $832,400 | 8,285 |
| Average total loans | $4,353,800 | 8,184 |