Home > First Security Bank - Evansville > Performance and Condition Ratios
First Security Bank - Evansville, Performance and Condition Ratios
| 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 | 5.7907% | 1,300 |
| Cost of funding earning assets | 1.1308% | 4,964 |
| Net interest margin | 4.6599% | 887 |
| Noninterest income to average assets | 0.0750% | 7,009 |
| Noninterest expense to average assets | 3.9371% | 1,256 |
| Loan and lease loss provision to assets | 0.2812% | 4,558 |
| Net operating income to assets | 0.0094% | 5,812 |
| Return on assets (ROA) | 0.1359% | 5,636 |
| Pretax return on assets | 0.1359% | 5,630 |
| Return on Equity (ROE) | 0.9049% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.9049% | 5,096 |
| Net charge-offs to loans | 3.7838% | 352 |
| Credit loss provision to net charge-offs | 15.7895% | 6,587 |
| Earnings coverage of net charge-offs (x) | 0.1632% | 5,951 |
| Efficiency ratio | 93.1264% | 1,109 |
| Assets per employee ($millions) | 3.3925% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0804% | 815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 4,456 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 42.0437% | 6,846 |
| Net loans and leases to deposits | 54.6837% | 6,554 |
| Net loans and leases to core deposits | 57.6413% | 6,590 |
| Total domestic deposits to total assets | 76.8853% | 6,499 |
| Equity capital to assets | 16.7969% | 478 |
| Core capital (leverage) ratio | 13.5459% | 969 |
| Tier 1 risk-based capital ratio | 19.0819% | 1,696 |
| Total risk-based capital ratio | 20.3390% | 1,663 |
| Memoranda: | ||
| Average total assets | $21,335,600 | 7,435 |
| Average earning assets | $19,013,400 | 7,427 |
| Average equity | $3,204,800 | 7,218 |
| Average total loans | $10,042,800 | 7,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8554% | 1,241 |
| Cost of funding earning assets | 1.1905% | 4,914 |
| Net interest margin | 4.6649% | 918 |
| Noninterest income to average assets | 0.6240% | 3,286 |
| Noninterest expense to average assets | 3.6019% | 1,789 |
| Loan and lease loss provision to assets | 0.3707% | 3,671 |
| Net operating income to assets | 0.8155% | 2,936 |
| Return on assets (ROA) | 0.5561% | 4,236 |
| Pretax return on assets | 0.5561% | 4,738 |
| Return on Equity (ROE) | 3.8080% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.8080% | 3,782 |
| Net charge-offs to loans | 4.7940% | 194 |
| Credit loss provision to net charge-offs | 16.1290% | 6,281 |
| Earnings coverage of net charge-offs (x) | 0.5161% | 5,509 |
| Efficiency ratio | 75.2258% | 3,098 |
| Assets per employee ($millions) | 2.9674% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8065% | 995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 3,688 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.6830% | 6,639 |
| Net loans and leases to deposits | 62.0290% | 6,113 |
| Net loans and leases to core deposits | 65.3877% | 6,171 |
| Total domestic deposits to total assets | 75.2600% | 6,773 |
| Equity capital to assets | 16.9603% | 519 |
| Core capital (leverage) ratio | 13.5787% | 1,038 |
| Tier 1 risk-based capital ratio | 18.6752% | 1,827 |
| Total risk-based capital ratio | 19.9324% | 1,796 |
| Memoranda: | ||
| Average total assets | $21,580,750 | 7,526 |
| Average earning assets | $19,263,750 | 7,515 |
| Average equity | $3,151,250 | 7,321 |
| Average total loans | $10,346,000 | 7,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 1,162 |
| Cost of funding earning assets | 1.2371% | 4,913 |
| Net interest margin | 4.6722% | 862 |
| Noninterest income to average assets | 0.6956% | 2,732 |
| Noninterest expense to average assets | 3.6064% | 1,765 |
| Loan and lease loss provision to assets | 0.4577% | 3,032 |
| Net operating income to assets | 0.8146% | 2,904 |
| Return on assets (ROA) | 0.2837% | 5,399 |
| Pretax return on assets | 0.2837% | 5,549 |
| Return on Equity (ROE) | 2.0480% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.0480% | 4,836 |
| Net charge-offs to loans | 6.8774% | 88 |
| Credit loss provision to net charge-offs | 13.8889% | 5,907 |
| Earnings coverage of net charge-offs (x) | 0.3861% | 5,351 |
| Efficiency ratio | 73.9212% | 3,487 |
| Assets per employee ($millions) | 2.9530% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9187% | 894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 3,668 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.3776% | 6,816 |
| Net loans and leases to deposits | 57.6202% | 6,600 |
| Net loans and leases to core deposits | 61.7674% | 6,570 |
| Total domestic deposits to total assets | 78.7528% | 6,101 |
| Equity capital to assets | 16.0611% | 660 |
| Core capital (leverage) ratio | 12.8243% | 1,271 |
| Tier 1 risk-based capital ratio | 18.6162% | 1,800 |
| Total risk-based capital ratio | 19.7108% | 1,811 |
| Memoranda: | ||
| Average total assets | $21,850,330 | 7,584 |
| Average earning assets | $19,562,330 | 7,571 |
| Average equity | $3,027,330 | 7,409 |
| Average total loans | $10,469,000 | 7,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0960% | 781 |
| Cost of funding earning assets | 1.3105% | 4,749 |
| Net interest margin | 4.7854% | 667 |
| Noninterest income to average assets | 0.3387% | 5,431 |
| Noninterest expense to average assets | 3.1373% | 3,116 |
| Loan and lease loss provision to assets | 0.3565% | 3,236 |
| Net operating income to assets | 1.1408% | 1,702 |
| Return on assets (ROA) | 0.6061% | 4,019 |
| Pretax return on assets | 0.6061% | 4,578 |
| Return on Equity (ROE) | 4.7206% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.7206% | 3,314 |
| Net charge-offs to loans | 0.8830% | 1,794 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,891 |
| Efficiency ratio | 67.6923% | 4,785 |
| Assets per employee ($millions) | 3.1166% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7613% | 117 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 3.2728% | 2,190 |
| Noncurrent loans to loans | 6.9959% | 850 |
| Net loans and leases to total assets | 44.0869% | 6,984 |
| Net loans and leases to deposits | 54.6850% | 6,873 |
| Net loans and leases to core deposits | 58.3086% | 6,860 |
| Total domestic deposits to total assets | 80.6197% | 5,581 |
| Equity capital to assets | 14.3060% | 1,065 |
| Core capital (leverage) ratio | 12.0558% | 1,629 |
| Tier 1 risk-based capital ratio | 17.5120% | 2,075 |
| Total risk-based capital ratio | 18.7217% | 2,054 |
| Memoranda: | ||
| Average total assets | $22,440,000 | 7,664 |
| Average earning assets | $20,144,500 | 7,643 |
| Average equity | $2,881,000 | 7,530 |
| Average total loans | $10,872,500 | 7,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1216% | 1,460 |
| Cost of funding earning assets | 1.6989% | 4,517 |
| Net interest margin | 4.4227% | 1,366 |
| Noninterest income to average assets | 0.3689% | 5,452 |
| Noninterest expense to average assets | 7.7176% | 162 |
| Loan and lease loss provision to assets | 3.1837% | 516 |
| Net operating income to assets | -6.6074% | 7,870 |
| Return on assets (ROA) | -6.8617% | 7,882 |
| Pretax return on assets | -6.8617% | 7,858 |
| Return on Equity (ROE) | -44.6933% | 7,624 |
| Retained earnings to average equity (ytd only) | -44.8799% | 7,615 |
| Net charge-offs to loans | 5.1778% | 236 |
| Credit loss provision to net charge-offs | 130.1611% | 3,922 |
| Earnings coverage of net charge-offs (x) | -1.3997% | 6,946 |
| Efficiency ratio | 61.2177% | 6,289 |
| Assets per employee ($millions) | 3.2949% | 5,503 |
| Cash dividends to net income (ytd only)* | -0.4175% | 7,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1304% | 163 |
| Loan loss allowance to noncurrent loans | 43.4336% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 5.9096% | 959 |
| Noncurrent loans to loans | 11.8121% | 291 |
| Net loans and leases to total assets | 47.4636% | 6,851 |
| Net loans and leases to deposits | 56.6820% | 6,878 |
| Net loans and leases to core deposits | 62.7443% | 7,163 |
| Total domestic deposits to total assets | 83.7366% | 4,162 |
| Equity capital to assets | 11.4507% | 2,355 |
| Core capital (leverage) ratio | 9.8678% | 3,245 |
| Tier 1 risk-based capital ratio | 13.4025% | 3,882 |
| Total risk-based capital ratio | 14.6761% | 3,817 |
| Memoranda: | ||
| Average total assets | $27,923,200 | 7,551 |
| Average earning assets | $24,781,000 | 7,552 |
| Average equity | $4,287,000 | 7,178 |
| Average total loans | $13,191,000 | 7,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1766% | 1,428 |
| Cost of funding earning assets | 1.6953% | 4,922 |
| Net interest margin | 4.4813% | 1,240 |
| Noninterest income to average assets | 0.3111% | 5,997 |
| Noninterest expense to average assets | 8.9411% | 121 |
| Loan and lease loss provision to assets | 2.8599% | 536 |
| Net operating income to assets | -7.5227% | 7,996 |
| Return on assets (ROA) | -7.6050% | 7,997 |
| Pretax return on assets | -7.6050% | 7,986 |
| Return on Equity (ROE) | -47.1627% | 7,809 |
| Retained earnings to average equity (ytd only) | -47.3898% | 7,806 |
| Net charge-offs to loans | 5.1552% | 208 |
| Credit loss provision to net charge-offs | 118.8213% | 4,266 |
| Earnings coverage of net charge-offs (x) | -1.9372% | 6,736 |
| Efficiency ratio | 57.0053% | 6,873 |
| Assets per employee ($millions) | 3.8651% | 4,035 |
| Cash dividends to net income (ytd only)* | -0.4815% | 7,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8840% | 321 |
| Loan loss allowance to noncurrent loans | 35.5051% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 5.0488% | 1,159 |
| Noncurrent loans to loans | 10.9394% | 332 |
| Net loans and leases to total assets | 44.3598% | 7,221 |
| Net loans and leases to deposits | 52.0220% | 7,303 |
| Net loans and leases to core deposits | 56.5972% | 7,527 |
| Total domestic deposits to total assets | 85.2713% | 3,088 |
| Equity capital to assets | 10.5596% | 3,444 |
| Core capital (leverage) ratio | 9.9436% | 3,350 |
| Tier 1 risk-based capital ratio | 15.4045% | 2,863 |
| Total risk-based capital ratio | 16.6307% | 2,817 |
| Memoranda: | ||
| Average total assets | $29,138,000 | 7,569 |
| Average earning assets | $25,795,500 | 7,577 |
| Average equity | $4,698,500 | 7,112 |
| Average total loans | $13,604,000 | 7,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2463% | 1,340 |
| Cost of funding earning assets | 1.6601% | 5,471 |
| Net interest margin | 4.5862% | 987 |
| Noninterest income to average assets | 0.3017% | 6,107 |
| Noninterest expense to average assets | 2.3532% | 6,617 |
| Loan and lease loss provision to assets | 3.7879% | 347 |
| Net operating income to assets | -1.7833% | 7,358 |
| Return on assets (ROA) | -0.9922% | 6,979 |
| Pretax return on assets | -0.9922% | 6,812 |
| Return on Equity (ROE) | -5.5719% | 6,670 |
| Retained earnings to average equity (ytd only) | -5.8731% | 6,429 |
| Net charge-offs to loans | 7.1120% | 129 |
| Credit loss provision to net charge-offs | 113.6821% | 4,079 |
| Earnings coverage of net charge-offs (x) | 0.6016% | 5,109 |
| Efficiency ratio | 54.0000% | 7,331 |
| Assets per employee ($millions) | 4.3154% | 3,086 |
| Cash dividends to net income (ytd only)* | -5.4054% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4446% | 397 |
| Loan loss allowance to noncurrent loans | 57.9821% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.5920% | 2,482 |
| Noncurrent loans to loans | 5.9408% | 926 |
| Net loans and leases to total assets | 42.1279% | 7,442 |
| Net loans and leases to deposits | 54.5548% | 7,244 |
| Net loans and leases to core deposits | 58.7399% | 7,497 |
| Total domestic deposits to total assets | 77.2213% | 6,276 |
| Equity capital to assets | 17.3696% | 617 |
| Core capital (leverage) ratio | 10.7628% | 2,596 |
| Tier 1 risk-based capital ratio | 14.6494% | 3,168 |
| Total risk-based capital ratio | 15.8956% | 3,115 |
| Memoranda: | ||
| Average total assets | $29,832,000 | 7,610 |
| Average earning assets | $26,383,670 | 7,621 |
| Average equity | $5,312,330 | 6,958 |
| Average total loans | $13,976,330 | 7,642 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4296% | 995 |
| Cost of funding earning assets | 1.7369% | 5,440 |
| Net interest margin | 4.6927% | 773 |
| Noninterest income to average assets | 0.3508% | 5,641 |
| Noninterest expense to average assets | 2.4288% | 6,102 |
| Loan and lease loss provision to assets | 4.8576% | 173 |
| Net operating income to assets | -2.7797% | 7,811 |
| Return on assets (ROA) | -1.9835% | 7,654 |
| Pretax return on assets | -1.9835% | 7,528 |
| Return on Equity (ROE) | -11.0009% | 7,427 |
| Retained earnings to average equity (ytd only) | -11.5996% | 7,242 |
| Net charge-offs to loans | 9.5725% | 67 |
| Credit loss provision to net charge-offs | 104.6512% | 3,613 |
| Earnings coverage of net charge-offs (x) | 0.4477% | 4,631 |
| Efficiency ratio | 53.8922% | 7,231 |
| Assets per employee ($millions) | 4.2430% | 3,184 |
| Cash dividends to net income (ytd only)* | -5.4422% | 8,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9057% | 523 |
| Loan loss allowance to noncurrent loans | 130.0971% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 4,610 |
| Noncurrent loans to loans | 2.2335% | 2,947 |
| Net loans and leases to total assets | 45.2274% | 7,246 |
| Net loans and leases to deposits | 57.0452% | 7,099 |
| Net loans and leases to core deposits | 59.9795% | 7,455 |
| Total domestic deposits to total assets | 79.2835% | 5,611 |
| Equity capital to assets | 17.3024% | 689 |
| Core capital (leverage) ratio | 11.1402% | 2,385 |
| Tier 1 risk-based capital ratio | 14.6992% | 3,204 |
| Total risk-based capital ratio | 15.9589% | 3,132 |
| Memoranda: | ||
| Average total assets | $29,644,000 | 7,660 |
| Average earning assets | $26,253,500 | 7,674 |
| Average equity | $5,345,000 | 6,986 |
| Average total loans | $14,374,500 | 7,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8617% | 1,512 |
| Cost of funding earning assets | 2.3117% | 5,098 |
| Net interest margin | 4.5500% | 1,312 |
| Noninterest income to average assets | 0.3797% | 5,645 |
| Noninterest expense to average assets | 4.7446% | 741 |
| Loan and lease loss provision to assets | 0.3549% | 3,560 |
| Net operating income to assets | -0.7594% | 7,106 |
| Return on assets (ROA) | -0.8836% | 7,092 |
| Pretax return on assets | -0.8836% | 6,928 |
| Return on Equity (ROE) | -4.4931% | 6,808 |
| Retained earnings to average equity (ytd only) | -6.2615% | 6,694 |
| Net charge-offs to loans | 0.4254% | 2,690 |
| Credit loss provision to net charge-offs | 136.9863% | 3,889 |
| Earnings coverage of net charge-offs (x) | -1.5616% | 6,671 |
| Efficiency ratio | 57.9722% | 6,700 |
| Assets per employee ($millions) | 4.2267% | 3,065 |
| Cash dividends to net income (ytd only)* | -39.3574% | 8,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 620 |
| 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 | 49.1026% | 7,096 |
| Net loans and leases to deposits | 69.2700% | 6,344 |
| Net loans and leases to core deposits | 74.0054% | 6,966 |
| Total domestic deposits to total assets | 70.8859% | 7,172 |
| Equity capital to assets | 18.7616% | 572 |
| Core capital (leverage) ratio | 12.3240% | 1,822 |
| Tier 1 risk-based capital ratio | 15.7733% | 2,753 |
| Total risk-based capital ratio | 17.0339% | 2,691 |
| Memoranda: | ||
| Average total assets | $28,179,600 | 7,720 |
| Average earning assets | $24,527,400 | 7,764 |
| Average equity | $5,541,800 | 6,970 |
| Average total loans | $17,159,200 | 7,512 |