Home > Farmers State Bank of Sherburn > Performance and Condition Ratios
Farmers State Bank of Sherburn, 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 | 4.8555% | 3,790 |
| Cost of funding earning assets | 1.3179% | 2,080 |
| Net interest margin | 3.5376% | 4,860 |
| Noninterest income to average assets | 0.5987% | 3,175 |
| Noninterest expense to average assets | 2.6807% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6940% | 3,534 |
| Return on assets (ROA) | 0.6940% | 3,603 |
| Pretax return on assets | 0.6940% | 4,326 |
| Return on Equity (ROE) | 8.4072% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.4072% | 1,584 |
| Net charge-offs to loans | 0.2541% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 2,334 |
| Efficiency ratio | 79.4355% | 2,629 |
| Assets per employee ($millions) | 4.2236% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 2,480 |
| Loan loss allowance to noncurrent loans | 557.6923% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 6,717 |
| Noncurrent loans to loans | 0.3540% | 6,283 |
| Net loans and leases to total assets | 48.7062% | 5,993 |
| Net loans and leases to deposits | 54.1781% | 6,278 |
| Net loans and leases to core deposits | 56.3248% | 6,390 |
| Total domestic deposits to total assets | 89.9002% | 1,208 |
| Equity capital to assets | 8.2970% | 6,167 |
| Core capital (leverage) ratio | 8.0553% | 6,182 |
| Tier 1 risk-based capital ratio | 13.8060% | 4,209 |
| Total risk-based capital ratio | 15.0596% | 4,186 |
| Memoranda: | ||
| Average total assets | $29,395,500 | 7,171 |
| Average earning assets | $23,066,500 | 7,263 |
| Average equity | $2,426,500 | 7,311 |
| Average total loans | $15,742,500 | 7,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 3,144 |
| Cost of funding earning assets | 1.4622% | 2,880 |
| Net interest margin | 3.8345% | 3,802 |
| Noninterest income to average assets | 0.5042% | 4,134 |
| Noninterest expense to average assets | 2.8400% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7854% | 2,869 |
| Return on assets (ROA) | 0.7854% | 2,990 |
| Pretax return on assets | 0.7854% | 3,681 |
| Return on Equity (ROE) | 9.4285% | 2,137 |
| Retained earnings to average equity (ytd only) | -1.3999% | 5,874 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3349% | 2,644 |
| Assets per employee ($millions) | 4.1751% | 3,432 |
| Cash dividends to net income (ytd only)* | 114.8472% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,912 |
| Loan loss allowance to noncurrent loans | 447.7612% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 6,659 |
| Noncurrent loans to loans | 0.3989% | 6,250 |
| Net loans and leases to total assets | 56.4395% | 5,267 |
| Net loans and leases to deposits | 62.7425% | 5,770 |
| Net loans and leases to core deposits | 65.2544% | 5,949 |
| Total domestic deposits to total assets | 89.9542% | 1,124 |
| Equity capital to assets | 8.2119% | 6,247 |
| Core capital (leverage) ratio | 8.1912% | 5,839 |
| Tier 1 risk-based capital ratio | 12.3317% | 5,180 |
| Total risk-based capital ratio | 13.5846% | 5,147 |
| Memoranda: | ||
| Average total assets | $29,155,400 | 7,235 |
| Average earning assets | $23,731,800 | 7,297 |
| Average equity | $2,428,800 | 7,414 |
| Average total loans | $17,240,800 | 7,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 3,164 |
| Cost of funding earning assets | 1.4757% | 3,117 |
| Net interest margin | 3.8648% | 3,678 |
| Noninterest income to average assets | 0.5217% | 4,017 |
| Noninterest expense to average assets | 2.5579% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1394% | 1,768 |
| Return on assets (ROA) | 1.1394% | 1,877 |
| Pretax return on assets | 1.1394% | 2,697 |
| Return on Equity (ROE) | 13.6285% | 1,116 |
| Retained earnings to average equity (ytd only) | 1.2040% | 5,330 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1832% | 4,225 |
| Assets per employee ($millions) | 4.1150% | 3,621 |
| Cash dividends to net income (ytd only)* | 91.1654% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,800 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 7,319 |
| Noncurrent loans to loans | 0.0299% | 7,180 |
| Net loans and leases to total assets | 56.9415% | 5,419 |
| Net loans and leases to deposits | 63.5170% | 5,968 |
| Net loans and leases to core deposits | 67.4646% | 5,996 |
| Total domestic deposits to total assets | 89.6476% | 1,053 |
| Equity capital to assets | 8.6166% | 6,134 |
| Core capital (leverage) ratio | 8.1427% | 6,133 |
| Tier 1 risk-based capital ratio | 13.1033% | 4,502 |
| Total risk-based capital ratio | 14.3556% | 4,468 |
| Memoranda: | ||
| Average total assets | $29,137,750 | 7,323 |
| Average earning assets | $23,942,000 | 7,378 |
| Average equity | $2,436,000 | 7,507 |
| Average total loans | $17,352,250 | 7,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 3,680 |
| Cost of funding earning assets | 1.4491% | 3,561 |
| Net interest margin | 3.8071% | 3,868 |
| Noninterest income to average assets | 0.4787% | 4,297 |
| Noninterest expense to average assets | 2.5574% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1009% | 1,854 |
| Return on assets (ROA) | 1.1009% | 1,925 |
| Pretax return on assets | 1.1009% | 2,782 |
| Return on Equity (ROE) | 13.3021% | 1,174 |
| Retained earnings to average equity (ytd only) | -2.5613% | 6,234 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9065% | 4,205 |
| Assets per employee ($millions) | 4.2290% | 3,334 |
| Cash dividends to net income (ytd only)* | 119.2547% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 2,964 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 7,379 |
| Noncurrent loans to loans | 0.0231% | 7,265 |
| Net loans and leases to total assets | 57.5584% | 5,480 |
| Net loans and leases to deposits | 63.8691% | 6,050 |
| Net loans and leases to core deposits | 67.0273% | 6,153 |
| Total domestic deposits to total assets | 90.1192% | 860 |
| Equity capital to assets | 8.1850% | 6,558 |
| Core capital (leverage) ratio | 8.0858% | 6,145 |
| Tier 1 risk-based capital ratio | 12.4271% | 4,925 |
| Total risk-based capital ratio | 13.6828% | 4,901 |
| Memoranda: | ||
| Average total assets | $29,248,670 | 7,374 |
| Average earning assets | $24,428,330 | 7,424 |
| Average equity | $2,420,670 | 7,566 |
| Average total loans | $17,569,000 | 7,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 4,939 |
| Cost of funding earning assets | 1.4313% | 3,984 |
| Net interest margin | 3.5862% | 4,785 |
| Noninterest income to average assets | 0.5228% | 3,866 |
| Noninterest expense to average assets | 2.5867% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0044% | 2,162 |
| Return on assets (ROA) | 1.0044% | 2,230 |
| Pretax return on assets | 1.0044% | 3,082 |
| Return on Equity (ROE) | 12.0686% | 1,485 |
| Retained earnings to average equity (ytd only) | -7.7702% | 6,808 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0307% | 3,928 |
| Assets per employee ($millions) | 4.1650% | 3,531 |
| Cash dividends to net income (ytd only)* | 164.3836% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 2,938 |
| Loan loss allowance to noncurrent loans | 337.0787% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 6,712 |
| Noncurrent loans to loans | 0.5151% | 6,260 |
| Net loans and leases to total assets | 58.2370% | 5,390 |
| Net loans and leases to deposits | 64.6548% | 5,981 |
| Net loans and leases to core deposits | 67.8970% | 6,111 |
| Total domestic deposits to total assets | 90.0737% | 951 |
| Equity capital to assets | 8.2010% | 6,431 |
| Core capital (leverage) ratio | 8.4309% | 5,498 |
| Tier 1 risk-based capital ratio | 11.9643% | 5,233 |
| Total risk-based capital ratio | 13.2162% | 5,190 |
| Memoranda: | ||
| Average total assets | $29,071,500 | 7,473 |
| Average earning assets | $24,873,000 | 7,499 |
| Average equity | $2,419,500 | 7,658 |
| Average total loans | $17,684,000 | 7,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 3,035 |
| Cost of funding earning assets | 1.6823% | 4,603 |
| Net interest margin | 4.0318% | 2,740 |
| Noninterest income to average assets | 0.4728% | 4,633 |
| Noninterest expense to average assets | 2.9694% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0316% | 1,738 |
| Return on assets (ROA) | 1.0316% | 1,781 |
| Pretax return on assets | 1.0316% | 2,490 |
| Return on Equity (ROE) | 11.7532% | 1,220 |
| Retained earnings to average equity (ytd only) | 1.4283% | 4,067 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2167% | 3,856 |
| Assets per employee ($millions) | 4.1411% | 3,539 |
| Cash dividends to net income (ytd only)* | 87.8472% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 3,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.3668% | 5,130 |
| Net loans and leases to deposits | 68.3273% | 5,789 |
| Net loans and leases to core deposits | 76.8357% | 6,348 |
| Total domestic deposits to total assets | 89.8130% | 1,050 |
| Equity capital to assets | 8.4449% | 5,981 |
| Core capital (leverage) ratio | 8.5079% | 5,272 |
| Tier 1 risk-based capital ratio | 11.5359% | 5,360 |
| Total risk-based capital ratio | 12.7864% | 5,317 |
| Memoranda: | ||
| Average total assets | $27,918,400 | 7,553 |
| Average earning assets | $24,431,000 | 7,563 |
| Average equity | $2,450,400 | 7,743 |
| Average total loans | $18,212,400 | 7,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8188% | 2,808 |
| Cost of funding earning assets | 1.7269% | 4,762 |
| Net interest margin | 4.0919% | 2,435 |
| Noninterest income to average assets | 0.4870% | 4,603 |
| Noninterest expense to average assets | 2.6279% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4466% | 926 |
| Return on assets (ROA) | 1.4466% | 986 |
| Pretax return on assets | 1.4466% | 1,575 |
| Return on Equity (ROE) | 16.3195% | 619 |
| Retained earnings to average equity (ytd only) | 4.4064% | 2,807 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4970% | 5,662 |
| Assets per employee ($millions) | 3.8949% | 3,962 |
| Cash dividends to net income (ytd only)* | 72.9993% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 2,642 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 7,008 |
| Noncurrent loans to loans | 0.0509% | 7,380 |
| Net loans and leases to total assets | 63.7177% | 4,923 |
| Net loans and leases to deposits | 71.5309% | 5,727 |
| Net loans and leases to core deposits | 80.2661% | 6,331 |
| Total domestic deposits to total assets | 89.0772% | 1,162 |
| Equity capital to assets | 9.1806% | 5,199 |
| Core capital (leverage) ratio | 8.9109% | 4,791 |
| Tier 1 risk-based capital ratio | 11.9428% | 5,024 |
| Total risk-based capital ratio | 13.1943% | 4,962 |
| Memoranda: | ||
| Average total assets | $27,651,000 | 7,626 |
| Average earning assets | $24,242,750 | 7,636 |
| Average equity | $2,451,000 | 7,820 |
| Average total loans | $18,243,250 | 7,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 3,036 |
| Cost of funding earning assets | 1.7372% | 5,074 |
| Net interest margin | 4.0643% | 2,450 |
| Noninterest income to average assets | 0.4896% | 4,537 |
| Noninterest expense to average assets | 2.6062% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4543% | 925 |
| Return on assets (ROA) | 1.4543% | 984 |
| Pretax return on assets | 1.4543% | 1,578 |
| Return on Equity (ROE) | 16.6004% | 632 |
| Retained earnings to average equity (ytd only) | 1.3149% | 4,606 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1844% | 5,879 |
| Assets per employee ($millions) | 3.9186% | 3,842 |
| Cash dividends to net income (ytd only)* | 92.0792% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 2,419 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,533 |
| Noncurrent loans to loans | 0.0504% | 7,412 |
| Net loans and leases to total assets | 64.0503% | 4,970 |
| Net loans and leases to deposits | 71.6605% | 5,785 |
| Net loans and leases to core deposits | 80.3264% | 6,381 |
| Total domestic deposits to total assets | 89.3802% | 1,093 |
| Equity capital to assets | 8.8808% | 5,479 |
| Core capital (leverage) ratio | 8.6102% | 5,247 |
| Tier 1 risk-based capital ratio | 12.0483% | 4,878 |
| Total risk-based capital ratio | 13.2998% | 4,795 |
| Memoranda: | ||
| Average total assets | $27,780,000 | 7,689 |
| Average earning assets | $24,407,670 | 7,705 |
| Average equity | $2,433,670 | 7,896 |
| Average total loans | $18,433,670 | 7,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 3,191 |
| Cost of funding earning assets | 1.7773% | 5,225 |
| Net interest margin | 4.0439% | 2,473 |
| Noninterest income to average assets | 0.5151% | 4,183 |
| Noninterest expense to average assets | 2.5613% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5024% | 931 |
| Return on assets (ROA) | 1.5024% | 1,000 |
| Pretax return on assets | 1.5024% | 1,665 |
| Return on Equity (ROE) | 17.2662% | 664 |
| Retained earnings to average equity (ytd only) | -2.4666% | 6,189 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0282% | 5,868 |
| Assets per employee ($millions) | 4.0267% | 3,609 |
| Cash dividends to net income (ytd only)* | 114.2857% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 2,232 |
| Loan loss allowance to noncurrent loans | 937.5000% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,250 |
| Noncurrent loans to loans | 0.1784% | 7,015 |
| Net loans and leases to total assets | 62.5749% | 5,225 |
| Net loans and leases to deposits | 69.7154% | 6,006 |
| Net loans and leases to core deposits | 77.4820% | 6,572 |
| Total domestic deposits to total assets | 89.7577% | 907 |
| Equity capital to assets | 8.5607% | 5,972 |
| Core capital (leverage) ratio | 8.3102% | 5,888 |
| Tier 1 risk-based capital ratio | 11.4684% | 5,445 |
| Total risk-based capital ratio | 12.7216% | 5,337 |
| Memoranda: | ||
| Average total assets | $27,955,000 | 7,733 |
| Average earning assets | $24,531,000 | 7,741 |
| Average equity | $2,432,500 | 7,948 |
| Average total loans | $18,716,000 | 7,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5522% | 2,707 |
| Cost of funding earning assets | 2.5285% | 4,058 |
| Net interest margin | 4.0237% | 3,011 |
| Noninterest income to average assets | 0.4709% | 4,871 |
| Noninterest expense to average assets | 2.8324% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1808% | 1,838 |
| Return on assets (ROA) | 1.1808% | 1,768 |
| Pretax return on assets | 1.1808% | 2,721 |
| Return on Equity (ROE) | 13.8182% | 1,144 |
| Retained earnings to average equity (ytd only) | -0.2087% | 5,346 |
| Net charge-offs to loans | 0.0054% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 143 |
| Efficiency ratio | 70.5778% | 4,235 |
| Assets per employee ($millions) | 3.9604% | 3,598 |
| Cash dividends to net income (ytd only)* | 101.5106% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 2,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.2349% | 4,201 |
| Net loans and leases to deposits | 77.4451% | 5,414 |
| Net loans and leases to core deposits | 85.3674% | 6,179 |
| Total domestic deposits to total assets | 89.3987% | 880 |
| Equity capital to assets | 8.8446% | 5,577 |
| Core capital (leverage) ratio | 8.9003% | 4,885 |
| Tier 1 risk-based capital ratio | 10.8776% | 5,835 |
| Total risk-based capital ratio | 12.1294% | 5,748 |
| Memoranda: | ||
| Average total assets | $28,032,600 | 7,727 |
| Average earning assets | $24,678,800 | 7,758 |
| Average equity | $2,395,400 | 8,023 |
| Average total loans | $18,389,600 | 7,434 |