Home > Farmers State Bank, Astoria > Performance and Condition Ratios
Farmers State Bank, Astoria, 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 | 4.4243% | 5,607 |
| Cost of funding earning assets | 0.6877% | 6,208 |
| Net interest margin | 3.7366% | 3,912 |
| Noninterest income to average assets | 0.7336% | 2,367 |
| Noninterest expense to average assets | 3.5126% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8226% | 2,918 |
| Return on assets (ROA) | 0.8226% | 2,977 |
| Pretax return on assets | 0.8448% | 3,720 |
| Return on Equity (ROE) | 9.6260% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.6260% | 1,206 |
| Net charge-offs to loans | -0.0773% | 7,012 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6122% | 2,419 |
| Assets per employee ($millions) | 2.6131% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,991 |
| Loan loss allowance to noncurrent loans | 3,350.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,122 |
| Noncurrent loans to loans | 0.0397% | 6,948 |
| Net loans and leases to total assets | 54.3680% | 5,249 |
| Net loans and leases to deposits | 59.4761% | 5,770 |
| Net loans and leases to core deposits | 59.4761% | 6,143 |
| Total domestic deposits to total assets | 91.4115% | 440 |
| Equity capital to assets | 8.4518% | 5,976 |
| Core capital (leverage) ratio | 8.2502% | 5,900 |
| Tier 1 risk-based capital ratio | 17.7684% | 2,192 |
| Total risk-based capital ratio | 19.1362% | 2,126 |
| Memoranda: | ||
| Average total assets | $17,992,500 | 7,444 |
| Average earning assets | $17,449,000 | 7,399 |
| Average equity | $1,537,500 | 7,479 |
| Average total loans | $10,351,500 | 7,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2476% | 3,373 |
| Cost of funding earning assets | 0.8219% | 6,475 |
| Net interest margin | 4.4257% | 1,412 |
| Noninterest income to average assets | 0.6886% | 2,911 |
| Noninterest expense to average assets | 7.3270% | 139 |
| Loan and lease loss provision to assets | 0.0471% | 6,692 |
| Net operating income to assets | -2.5659% | 7,193 |
| Return on assets (ROA) | -2.5659% | 7,215 |
| Pretax return on assets | -2.5659% | 7,186 |
| Return on Equity (ROE) | -21.6399% | 7,069 |
| Retained earnings to average equity (ytd only) | -25.3623% | 7,123 |
| Net charge-offs to loans | 0.0096% | 6,738 |
| Credit loss provision to net charge-offs | 800.0000% | 271 |
| Earnings coverage of net charge-offs (x) | -428.0000% | 6,847 |
| Efficiency ratio | 152.3868% | 202 |
| Assets per employee ($millions) | 2.5276% | 6,968 |
| Cash dividends to net income (ytd only)* | -17.2018% | 7,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 5,315 |
| Loan loss allowance to noncurrent loans | 2,640.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,173 |
| Noncurrent loans to loans | 0.0471% | 7,012 |
| Net loans and leases to total assets | 59.3003% | 4,787 |
| Net loans and leases to deposits | 65.2204% | 5,491 |
| Net loans and leases to core deposits | 65.2204% | 5,950 |
| Total domestic deposits to total assets | 90.9230% | 635 |
| Equity capital to assets | 8.6418% | 5,669 |
| Core capital (leverage) ratio | 7.9245% | 6,295 |
| Tier 1 risk-based capital ratio | 15.9894% | 2,757 |
| Total risk-based capital ratio | 17.3513% | 2,658 |
| Memoranda: | ||
| Average total assets | $16,992,000 | 7,533 |
| Average earning assets | $15,816,800 | 7,501 |
| Average equity | $2,014,800 | 7,501 |
| Average total loans | $10,420,800 | 7,370 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 3,114 |
| Cost of funding earning assets | 0.8345% | 6,637 |
| Net interest margin | 4.5168% | 1,220 |
| Noninterest income to average assets | 0.6818% | 2,932 |
| Noninterest expense to average assets | 3.7818% | 1,405 |
| Loan and lease loss provision to assets | 0.2141% | 4,922 |
| Net operating income to assets | 0.8483% | 2,816 |
| Return on assets (ROA) | 0.8483% | 2,947 |
| Pretax return on assets | 0.8483% | 3,740 |
| Return on Equity (ROE) | 6.6781% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.6781% | 1,998 |
| Net charge-offs to loans | -0.0386% | 7,437 |
| Credit loss provision to net charge-offs | -900.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0687% | 2,615 |
| Assets per employee ($millions) | 2.4997% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.3269% | 4,846 |
| Net loans and leases to deposits | 69.2197% | 5,244 |
| Net loans and leases to core deposits | 70.5568% | 5,694 |
| Total domestic deposits to total assets | 87.1528% | 2,447 |
| Equity capital to assets | 12.4243% | 1,897 |
| Core capital (leverage) ratio | 12.1444% | 1,588 |
| Tier 1 risk-based capital ratio | 21.5308% | 1,280 |
| Total risk-based capital ratio | 22.7629% | 1,262 |
| Memoranda: | ||
| Average total assets | $16,816,750 | 7,632 |
| Average earning assets | $15,497,250 | 7,604 |
| Average equity | $2,136,250 | 7,581 |
| Average total loans | $10,370,000 | 7,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 2,799 |
| Cost of funding earning assets | 0.8513% | 6,754 |
| Net interest margin | 4.5891% | 1,026 |
| Noninterest income to average assets | 0.6751% | 2,847 |
| Noninterest expense to average assets | 3.7373% | 1,485 |
| Loan and lease loss provision to assets | 0.2170% | 4,715 |
| Net operating income to assets | 0.8801% | 2,622 |
| Return on assets (ROA) | 0.8801% | 2,753 |
| Pretax return on assets | 0.8801% | 3,578 |
| Return on Equity (ROE) | 6.8749% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.8749% | 1,891 |
| Net charge-offs to loans | -0.0195% | 7,282 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3067% | 2,847 |
| Assets per employee ($millions) | 2.3659% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.6509% | 4,750 |
| Net loans and leases to deposits | 71.1399% | 5,124 |
| Net loans and leases to core deposits | 72.6949% | 5,598 |
| Total domestic deposits to total assets | 86.6614% | 2,725 |
| Equity capital to assets | 13.0004% | 1,569 |
| Core capital (leverage) ratio | 12.0356% | 1,621 |
| Tier 1 risk-based capital ratio | 21.9101% | 1,216 |
| Total risk-based capital ratio | 23.1742% | 1,192 |
| Memoranda: | ||
| Average total assets | $16,589,670 | 7,701 |
| Average earning assets | $15,035,670 | 7,684 |
| Average equity | $2,123,670 | 7,643 |
| Average total loans | $10,256,330 | 7,540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 3,270 |
| Cost of funding earning assets | 0.8706% | 6,868 |
| Net interest margin | 4.4849% | 1,176 |
| Noninterest income to average assets | 0.6504% | 2,934 |
| Noninterest expense to average assets | 3.7099% | 1,496 |
| Loan and lease loss provision to assets | 0.2168% | 4,334 |
| Net operating income to assets | 0.8191% | 2,884 |
| Return on assets (ROA) | 0.8191% | 2,974 |
| Pretax return on assets | 0.8191% | 3,791 |
| Return on Equity (ROE) | 6.4486% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.4486% | 2,375 |
| Net charge-offs to loans | -0.0392% | 7,277 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1726% | 2,864 |
| Assets per employee ($millions) | 2.3590% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,722 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 7,452 |
| Noncurrent loans to loans | 0.0298% | 7,341 |
| Net loans and leases to total assets | 60.0860% | 5,107 |
| Net loans and leases to deposits | 69.0658% | 5,464 |
| Net loans and leases to core deposits | 70.6242% | 5,861 |
| Total domestic deposits to total assets | 86.9981% | 2,630 |
| Equity capital to assets | 12.7899% | 1,606 |
| Core capital (leverage) ratio | 11.7356% | 1,784 |
| Tier 1 risk-based capital ratio | 22.0084% | 1,201 |
| Total risk-based capital ratio | 23.2692% | 1,183 |
| Memoranda: | ||
| Average total assets | $16,604,000 | 7,801 |
| Average earning assets | $15,162,000 | 7,780 |
| Average equity | $2,109,000 | 7,730 |
| Average total loans | $10,207,500 | 7,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,069 |
| Cost of funding earning assets | 1.0008% | 7,203 |
| Net interest margin | 4.7060% | 821 |
| Noninterest income to average assets | 0.6294% | 3,429 |
| Noninterest expense to average assets | 3.7043% | 1,908 |
| Loan and lease loss provision to assets | 0.2997% | 5,038 |
| Net operating income to assets | 0.8811% | 2,240 |
| Return on assets (ROA) | 0.8811% | 2,307 |
| Pretax return on assets | 0.8811% | 2,988 |
| Return on Equity (ROE) | 6.7185% | 2,902 |
| Retained earnings to average equity (ytd only) | 1.0055% | 4,328 |
| Net charge-offs to loans | 0.1965% | 5,417 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 9.8500% | 1,749 |
| Efficiency ratio | 75.8282% | 3,557 |
| Assets per employee ($millions) | 2.3850% | 7,373 |
| Cash dividends to net income (ytd only)* | 85.0340% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,315 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 7,333 |
| Noncurrent loans to loans | 0.1062% | 7,148 |
| Net loans and leases to total assets | 61.2938% | 5,142 |
| Net loans and leases to deposits | 73.0720% | 5,180 |
| Net loans and leases to core deposits | 80.8294% | 6,011 |
| Total domestic deposits to total assets | 83.8814% | 4,080 |
| Equity capital to assets | 12.6146% | 1,687 |
| Core capital (leverage) ratio | 11.7224% | 1,802 |
| Tier 1 risk-based capital ratio | 20.9377% | 1,305 |
| Total risk-based capital ratio | 22.2757% | 1,257 |
| Memoranda: | ||
| Average total assets | $16,683,400 | 7,860 |
| Average earning assets | $15,087,200 | 7,840 |
| Average equity | $2,188,000 | 7,805 |
| Average total loans | $10,180,200 | 7,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 3,446 |
| Cost of funding earning assets | 1.0242% | 7,334 |
| Net interest margin | 4.6529% | 905 |
| Noninterest income to average assets | 0.6075% | 3,636 |
| Noninterest expense to average assets | 3.3572% | 2,699 |
| Loan and lease loss provision to assets | 0.2158% | 5,258 |
| Net operating income to assets | 1.2469% | 1,351 |
| Return on assets (ROA) | 1.2469% | 1,419 |
| Pretax return on assets | 1.2469% | 2,115 |
| Return on Equity (ROE) | 9.4177% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.4177% | 742 |
| Net charge-offs to loans | 0.2631% | 4,399 |
| Credit loss provision to net charge-offs | 135.0000% | 3,676 |
| Earnings coverage of net charge-offs (x) | 9.1485% | 2,144 |
| Efficiency ratio | 69.6517% | 4,660 |
| Assets per employee ($millions) | 2.3850% | 7,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,308 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.1620% | 5,394 |
| Net loans and leases to deposits | 73.5981% | 5,427 |
| Net loans and leases to core deposits | 81.2396% | 6,255 |
| Total domestic deposits to total assets | 83.1027% | 4,173 |
| Equity capital to assets | 13.4831% | 1,508 |
| Core capital (leverage) ratio | 12.5669% | 1,552 |
| Tier 1 risk-based capital ratio | 22.4417% | 1,176 |
| Total risk-based capital ratio | 23.5370% | 1,173 |
| Memoranda: | ||
| Average total assets | $16,680,500 | 7,942 |
| Average earning assets | $15,101,250 | 7,922 |
| Average equity | $2,208,500 | 7,883 |
| Average total loans | $10,135,750 | 7,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 3,480 |
| Cost of funding earning assets | 1.0623% | 7,448 |
| Net interest margin | 4.6475% | 881 |
| Noninterest income to average assets | 0.5997% | 3,699 |
| Noninterest expense to average assets | 3.3102% | 2,915 |
| Loan and lease loss provision to assets | 0.2159% | 4,882 |
| Net operating income to assets | 1.2713% | 1,303 |
| Return on assets (ROA) | 1.2713% | 1,382 |
| Pretax return on assets | 1.2713% | 2,105 |
| Return on Equity (ROE) | 9.6613% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.6613% | 793 |
| Net charge-offs to loans | -0.0992% | 7,951 |
| Credit loss provision to net charge-offs | -360.0000% | 7,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0000% | 4,982 |
| Assets per employee ($millions) | 2.3969% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.7389% | 5,724 |
| Net loans and leases to deposits | 69.0765% | 6,085 |
| Net loans and leases to core deposits | 75.7768% | 6,690 |
| Total domestic deposits to total assets | 86.4823% | 2,517 |
| Equity capital to assets | 13.1601% | 1,632 |
| Core capital (leverage) ratio | 12.2324% | 1,731 |
| Tier 1 risk-based capital ratio | 22.1306% | 1,231 |
| Total risk-based capital ratio | 23.4107% | 1,201 |
| Memoranda: | ||
| Average total assets | $16,675,670 | 8,025 |
| Average earning assets | $15,062,000 | 8,004 |
| Average equity | $2,194,330 | 7,962 |
| Average total loans | $10,076,670 | 7,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 3,277 |
| Cost of funding earning assets | 1.1182% | 7,487 |
| Net interest margin | 4.6858% | 790 |
| Noninterest income to average assets | 0.5534% | 3,891 |
| Noninterest expense to average assets | 3.5129% | 2,065 |
| Loan and lease loss provision to assets | 0.2165% | 4,281 |
| Net operating income to assets | 1.0587% | 2,111 |
| Return on assets (ROA) | 1.0587% | 2,244 |
| Pretax return on assets | 1.0587% | 3,154 |
| Return on Equity (ROE) | 8.0457% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.0457% | 1,797 |
| Net charge-offs to loans | -0.0796% | 7,823 |
| Credit loss provision to net charge-offs | -450.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3668% | 3,936 |
| Assets per employee ($millions) | 2.4127% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 5,817 |
| Loan loss allowance to noncurrent loans | 246.5116% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,746 |
| Noncurrent loans to loans | 0.4255% | 6,358 |
| Net loans and leases to total assets | 59.2042% | 5,781 |
| Net loans and leases to deposits | 68.1781% | 6,170 |
| Net loans and leases to core deposits | 73.9899% | 6,806 |
| Total domestic deposits to total assets | 86.8376% | 2,300 |
| Equity capital to assets | 12.9137% | 1,787 |
| Core capital (leverage) ratio | 11.7721% | 2,016 |
| Tier 1 risk-based capital ratio | 21.6024% | 1,358 |
| Total risk-based capital ratio | 22.7595% | 1,337 |
| Memoranda: | ||
| Average total assets | $16,624,500 | 8,076 |
| Average earning assets | $15,024,000 | 8,052 |
| Average equity | $2,187,500 | 8,017 |
| Average total loans | $10,044,500 | 7,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 4,693 |
| Cost of funding earning assets | 1.7051% | 7,249 |
| Net interest margin | 4.4609% | 1,513 |
| Noninterest income to average assets | 0.6740% | 3,300 |
| Noninterest expense to average assets | 3.7073% | 1,945 |
| Loan and lease loss provision to assets | 0.0722% | 6,492 |
| Net operating income to assets | 0.9569% | 2,755 |
| Return on assets (ROA) | 0.9569% | 2,626 |
| Pretax return on assets | 0.9569% | 3,533 |
| Return on Equity (ROE) | 7.5370% | 3,268 |
| Retained earnings to average equity (ytd only) | 2.7967% | 3,442 |
| Net charge-offs to loans | 0.0904% | 5,450 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,669 |
| Efficiency ratio | 78.2719% | 2,875 |
| Assets per employee ($millions) | 2.3371% | 7,506 |
| Cash dividends to net income (ytd only)* | 62.8931% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,393 |
| Loan loss allowance to noncurrent loans | 220.9302% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,528 |
| Noncurrent loans to loans | 0.4307% | 6,052 |
| Net loans and leases to total assets | 60.4462% | 5,845 |
| Net loans and leases to deposits | 70.1795% | 6,257 |
| Net loans and leases to core deposits | 76.3511% | 6,842 |
| Total domestic deposits to total assets | 86.1308% | 2,341 |
| Equity capital to assets | 13.4108% | 1,629 |
| Core capital (leverage) ratio | 11.5098% | 2,245 |
| Tier 1 risk-based capital ratio | 21.4865% | 1,394 |
| Total risk-based capital ratio | 22.5419% | 1,384 |
| Memoranda: | ||
| Average total assets | $16,616,000 | 8,116 |
| Average earning assets | $15,131,400 | 8,103 |
| Average equity | $2,109,600 | 8,101 |
| Average total loans | $9,957,800 | 7,942 |