Home > First Security Bank - Lake Benton > Performance and Condition Ratios
First Security Bank - Lake Benton, 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 | 5.7514% | 803 |
| Cost of funding earning assets | 0.5212% | 6,892 |
| Net interest margin | 5.2302% | 244 |
| Noninterest income to average assets | 0.7818% | 2,104 |
| Noninterest expense to average assets | 3.7389% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8185% | 477 |
| Return on assets (ROA) | 2.0394% | 345 |
| Pretax return on assets | 2.0394% | 524 |
| Return on Equity (ROE) | 18.2892% | 450 |
| Retained earnings to average equity (ytd only) | 18.2892% | 223 |
| Net charge-offs to loans | -0.1417% | 7,185 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2783% | 4,793 |
| Assets per employee ($millions) | 3.3349% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 1,147 |
| Loan loss allowance to noncurrent loans | 360.4651% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 5,104 |
| Noncurrent loans to loans | 0.7658% | 5,496 |
| Net loans and leases to total assets | 46.7786% | 6,212 |
| Net loans and leases to deposits | 53.1801% | 6,366 |
| Net loans and leases to core deposits | 53.1801% | 6,608 |
| Total domestic deposits to total assets | 87.9626% | 2,392 |
| Equity capital to assets | 11.7932% | 2,049 |
| Core capital (leverage) ratio | 10.8564% | 2,306 |
| Tier 1 risk-based capital ratio | 17.7056% | 2,217 |
| Total risk-based capital ratio | 18.9634% | 2,183 |
| Memoranda: | ||
| Average total assets | $23,536,500 | 7,328 |
| Average earning assets | $21,490,500 | 7,310 |
| Average equity | $2,624,500 | 7,264 |
| Average total loans | $11,288,500 | 7,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9708% | 903 |
| Cost of funding earning assets | 0.7333% | 6,784 |
| Net interest margin | 5.2375% | 266 |
| Noninterest income to average assets | 0.3359% | 5,381 |
| Noninterest expense to average assets | 3.4775% | 2,234 |
| Loan and lease loss provision to assets | 0.2724% | 4,625 |
| Net operating income to assets | 1.3846% | 980 |
| Return on assets (ROA) | 1.5889% | 687 |
| Pretax return on assets | 1.5889% | 1,149 |
| Return on Equity (ROE) | 16.4134% | 541 |
| Retained earnings to average equity (ytd only) | 16.4134% | 91 |
| Net charge-offs to loans | 0.3140% | 4,453 |
| Credit loss provision to net charge-offs | 157.8947% | 2,226 |
| Earnings coverage of net charge-offs (x) | 9.6053% | 1,802 |
| Efficiency ratio | 67.7277% | 4,617 |
| Assets per employee ($millions) | 3.3899% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6967% | 1,176 |
| Loan loss allowance to noncurrent loans | 5,100.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 5,935 |
| Noncurrent loans to loans | 0.0529% | 6,995 |
| Net loans and leases to total assets | 46.5296% | 6,516 |
| Net loans and leases to deposits | 52.1638% | 6,736 |
| Net loans and leases to core deposits | 52.1638% | 6,902 |
| Total domestic deposits to total assets | 89.1989% | 1,540 |
| Equity capital to assets | 10.5188% | 3,140 |
| Core capital (leverage) ratio | 10.3147% | 2,756 |
| Tier 1 risk-based capital ratio | 16.6735% | 2,465 |
| Total risk-based capital ratio | 17.9366% | 2,428 |
| Memoranda: | ||
| Average total assets | $22,027,600 | 7,419 |
| Average earning assets | $20,181,400 | 7,398 |
| Average equity | $2,132,400 | 7,486 |
| Average total loans | $12,103,200 | 7,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2141% | 602 |
| Cost of funding earning assets | 0.7886% | 6,795 |
| Net interest margin | 5.4256% | 196 |
| Noninterest income to average assets | 0.2901% | 5,802 |
| Noninterest expense to average assets | 3.3267% | 2,493 |
| Loan and lease loss provision to assets | 0.3703% | 3,676 |
| Net operating income to assets | 1.5615% | 804 |
| Return on assets (ROA) | 1.3949% | 1,189 |
| Pretax return on assets | 1.3949% | 1,892 |
| Return on Equity (ROE) | 14.7602% | 900 |
| Retained earnings to average equity (ytd only) | 14.7602% | 224 |
| Net charge-offs to loans | 0.3688% | 3,836 |
| Credit loss provision to net charge-offs | 176.4706% | 2,082 |
| Earnings coverage of net charge-offs (x) | 9.2063% | 2,050 |
| Efficiency ratio | 63.2629% | 5,390 |
| Assets per employee ($millions) | 3.1207% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6307% | 1,166 |
| Loan loss allowance to noncurrent loans | 386.2500% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.9339% | 5,228 |
| Noncurrent loans to loans | 0.6811% | 5,841 |
| Net loans and leases to total assets | 52.3552% | 6,061 |
| Net loans and leases to deposits | 59.2314% | 6,370 |
| Net loans and leases to core deposits | 59.2314% | 6,658 |
| Total domestic deposits to total assets | 88.3909% | 1,733 |
| Equity capital to assets | 11.2703% | 2,725 |
| Core capital (leverage) ratio | 10.5613% | 2,625 |
| Tier 1 risk-based capital ratio | 15.6421% | 2,933 |
| Total risk-based capital ratio | 16.9040% | 2,884 |
| Memoranda: | ||
| Average total assets | $21,602,250 | 7,524 |
| Average earning assets | $19,782,500 | 7,501 |
| Average equity | $2,041,500 | 7,593 |
| Average total loans | $12,292,250 | 7,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3266% | 487 |
| Cost of funding earning assets | 0.8150% | 6,863 |
| Net interest margin | 5.5116% | 164 |
| Noninterest income to average assets | 0.2788% | 5,923 |
| Noninterest expense to average assets | 3.3920% | 2,282 |
| Loan and lease loss provision to assets | 0.4182% | 3,230 |
| Net operating income to assets | 1.4962% | 918 |
| Return on assets (ROA) | 1.0408% | 2,120 |
| Pretax return on assets | 1.0408% | 2,971 |
| Return on Equity (ROE) | 11.7812% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.7812% | 519 |
| Net charge-offs to loans | 0.6093% | 2,707 |
| Credit loss provision to net charge-offs | 118.4211% | 3,429 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,670 |
| Efficiency ratio | 63.9229% | 5,353 |
| Assets per employee ($millions) | 2.9367% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 1,473 |
| Loan loss allowance to noncurrent loans | 4,833.3333% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,906 |
| Noncurrent loans to loans | 0.0490% | 7,193 |
| Net loans and leases to total assets | 58.1116% | 5,405 |
| Net loans and leases to deposits | 65.2323% | 5,897 |
| Net loans and leases to core deposits | 65.2323% | 6,296 |
| Total domestic deposits to total assets | 89.0840% | 1,388 |
| Equity capital to assets | 10.5949% | 3,287 |
| Core capital (leverage) ratio | 10.7006% | 2,464 |
| Tier 1 risk-based capital ratio | 14.5729% | 3,399 |
| Total risk-based capital ratio | 15.8291% | 3,360 |
| Memoranda: | ||
| Average total assets | $21,521,330 | 7,588 |
| Average earning assets | $19,631,330 | 7,567 |
| Average equity | $1,901,330 | 7,681 |
| Average total loans | $12,474,330 | 7,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4285% | 409 |
| Cost of funding earning assets | 0.8411% | 6,968 |
| Net interest margin | 5.5874% | 158 |
| Noninterest income to average assets | 0.1636% | 6,804 |
| Noninterest expense to average assets | 3.2358% | 2,739 |
| Loan and lease loss provision to assets | 0.3636% | 3,189 |
| Net operating income to assets | 1.6361% | 702 |
| Return on assets (ROA) | 1.9997% | 379 |
| Pretax return on assets | 1.9997% | 605 |
| Return on Equity (ROE) | 24.9575% | 164 |
| Retained earnings to average equity (ytd only) | 24.9575% | 103 |
| Net charge-offs to loans | -0.0635% | 7,417 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8056% | 5,870 |
| Assets per employee ($millions) | 2.9571% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4898% | 1,304 |
| Loan loss allowance to noncurrent loans | 665.2174% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 5,507 |
| Noncurrent loans to loans | 0.3743% | 6,542 |
| Net loans and leases to total assets | 57.8937% | 5,455 |
| Net loans and leases to deposits | 64.9575% | 5,947 |
| Net loans and leases to core deposits | 64.9575% | 6,379 |
| Total domestic deposits to total assets | 89.1256% | 1,453 |
| Equity capital to assets | 9.2947% | 4,839 |
| Core capital (leverage) ratio | 10.0788% | 3,065 |
| Tier 1 risk-based capital ratio | 14.1343% | 3,578 |
| Total risk-based capital ratio | 15.3866% | 3,538 |
| Memoranda: | ||
| Average total assets | $22,003,500 | 7,677 |
| Average earning assets | $19,973,500 | 7,649 |
| Average equity | $1,763,000 | 7,797 |
| Average total loans | $12,593,500 | 7,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4284% | 775 |
| Cost of funding earning assets | 1.2575% | 6,450 |
| Net interest margin | 5.1708% | 315 |
| Noninterest income to average assets | 0.5831% | 3,762 |
| Noninterest expense to average assets | 2.8387% | 4,797 |
| Loan and lease loss provision to assets | 0.8180% | 2,680 |
| Net operating income to assets | 1.6887% | 458 |
| Return on assets (ROA) | 0.9962% | 1,904 |
| Pretax return on assets | 0.9962% | 2,606 |
| Return on Equity (ROE) | 14.1836% | 755 |
| Retained earnings to average equity (ytd only) | 11.8196% | 223 |
| Net charge-offs to loans | 1.0234% | 2,364 |
| Credit loss provision to net charge-offs | 145.3237% | 3,273 |
| Earnings coverage of net charge-offs (x) | 4.4532% | 2,948 |
| Efficiency ratio | 53.1061% | 7,314 |
| Assets per employee ($millions) | 3.3296% | 5,429 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,652 |
| Loan loss allowance to noncurrent loans | 284.0000% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 5,069 |
| Noncurrent loans to loans | 0.7754% | 5,722 |
| Net loans and leases to total assets | 54.1168% | 6,184 |
| Net loans and leases to deposits | 61.7951% | 6,487 |
| Net loans and leases to core deposits | 65.2475% | 7,020 |
| Total domestic deposits to total assets | 87.5745% | 2,185 |
| Equity capital to assets | 6.8735% | 7,428 |
| Core capital (leverage) ratio | 8.5752% | 5,145 |
| Tier 1 risk-based capital ratio | 11.8776% | 5,053 |
| Total risk-based capital ratio | 13.1096% | 5,031 |
| Memoranda: | ||
| Average total assets | $24,694,000 | 7,646 |
| Average earning assets | $22,743,000 | 7,624 |
| Average equity | $1,734,400 | 7,886 |
| Average total loans | $13,582,800 | 7,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4144% | 901 |
| Cost of funding earning assets | 1.2932% | 6,578 |
| Net interest margin | 5.1212% | 346 |
| Noninterest income to average assets | 0.4579% | 4,844 |
| Noninterest expense to average assets | 2.7102% | 5,276 |
| Loan and lease loss provision to assets | 1.0223% | 1,878 |
| Net operating income to assets | 1.4696% | 876 |
| Return on assets (ROA) | 0.8892% | 2,533 |
| Pretax return on assets | 0.8892% | 3,262 |
| Return on Equity (ROE) | 12.5975% | 1,205 |
| Retained earnings to average equity (ytd only) | 9.5050% | 730 |
| Net charge-offs to loans | 1.3280% | 1,542 |
| Credit loss provision to net charge-offs | 140.1460% | 3,516 |
| Earnings coverage of net charge-offs (x) | 3.4161% | 3,542 |
| Efficiency ratio | 52.0983% | 7,403 |
| Assets per employee ($millions) | 3.9888% | 3,755 |
| Cash dividends to net income (ytd only)* | 24.5531% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1017% | 1,596 |
| Loan loss allowance to noncurrent loans | 766.6667% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,677 |
| Noncurrent loans to loans | 0.2741% | 6,825 |
| Net loans and leases to total assets | 53.7166% | 6,418 |
| Net loans and leases to deposits | 57.7072% | 6,982 |
| Net loans and leases to core deposits | 66.9758% | 7,118 |
| Total domestic deposits to total assets | 93.0849% | 82 |
| Equity capital to assets | 5.9291% | 7,870 |
| Core capital (leverage) ratio | 7.7879% | 6,621 |
| Tier 1 risk-based capital ratio | 11.0714% | 5,878 |
| Total risk-based capital ratio | 12.2985% | 5,857 |
| Memoranda: | ||
| Average total assets | $25,040,750 | 7,711 |
| Average earning assets | $23,197,250 | 7,685 |
| Average equity | $1,767,500 | 7,965 |
| Average total loans | $13,754,250 | 7,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3466% | 1,097 |
| Cost of funding earning assets | 1.2795% | 6,873 |
| Net interest margin | 5.0671% | 375 |
| Noninterest income to average assets | 0.4565% | 4,809 |
| Noninterest expense to average assets | 2.7155% | 5,323 |
| Loan and lease loss provision to assets | 1.3538% | 1,278 |
| Net operating income to assets | 1.0941% | 1,790 |
| Return on assets (ROA) | 1.7316% | 576 |
| Pretax return on assets | 1.7316% | 965 |
| Return on Equity (ROE) | 23.3587% | 181 |
| Retained earnings to average equity (ytd only) | 19.0055% | 87 |
| Net charge-offs to loans | 1.9482% | 955 |
| Credit loss provision to net charge-offs | 126.4706% | 3,673 |
| Earnings coverage of net charge-offs (x) | 2.2868% | 3,924 |
| Efficiency ratio | 52.5915% | 7,470 |
| Assets per employee ($millions) | 4.3712% | 2,987 |
| Cash dividends to net income (ytd only)* | 18.6364% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 1,932 |
| Loan loss allowance to noncurrent loans | 1,352.6316% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,919 |
| Noncurrent loans to loans | 0.1363% | 7,175 |
| Net loans and leases to total assets | 52.1600% | 6,666 |
| Net loans and leases to deposits | 56.7282% | 7,109 |
| Net loans and leases to core deposits | 65.6777% | 7,227 |
| Total domestic deposits to total assets | 91.9472% | 225 |
| Equity capital to assets | 7.6334% | 7,150 |
| Core capital (leverage) ratio | 8.2049% | 5,974 |
| Tier 1 risk-based capital ratio | 10.6709% | 6,214 |
| Total risk-based capital ratio | 11.8796% | 6,187 |
| Memoranda: | ||
| Average total assets | $25,410,000 | 7,777 |
| Average earning assets | $23,603,330 | 7,738 |
| Average equity | $1,883,670 | 8,026 |
| Average total loans | $13,961,670 | 7,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4792% | 904 |
| Cost of funding earning assets | 1.3304% | 6,931 |
| Net interest margin | 5.1488% | 304 |
| Noninterest income to average assets | 0.5600% | 3,840 |
| Noninterest expense to average assets | 2.6398% | 5,268 |
| Loan and lease loss provision to assets | 2.3519% | 500 |
| Net operating income to assets | 0.3360% | 5,136 |
| Return on assets (ROA) | 0.7520% | 3,518 |
| Pretax return on assets | 0.7520% | 4,249 |
| Return on Equity (ROE) | 10.3042% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.7270% | 3,831 |
| Net charge-offs to loans | 5.0093% | 213 |
| Credit loss provision to net charge-offs | 84.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 4,294 |
| Efficiency ratio | 49.5495% | 7,618 |
| Assets per employee ($millions) | 4.2042% | 3,258 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,624 |
| Loan loss allowance to noncurrent loans | 1,015.7895% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 5,630 |
| Noncurrent loans to loans | 0.1357% | 7,134 |
| Net loans and leases to total assets | 54.7354% | 6,389 |
| Net loans and leases to deposits | 59.1154% | 6,964 |
| Net loans and leases to core deposits | 68.3177% | 7,121 |
| Total domestic deposits to total assets | 92.5907% | 113 |
| Equity capital to assets | 6.9851% | 7,691 |
| Core capital (leverage) ratio | 7.6457% | 6,963 |
| Tier 1 risk-based capital ratio | 10.0438% | 6,865 |
| Total risk-based capital ratio | 11.0619% | 7,034 |
| Memoranda: | ||
| Average total assets | $25,001,500 | 7,830 |
| Average earning assets | $23,151,000 | 7,800 |
| Average equity | $1,824,500 | 8,086 |
| Average total loans | $13,974,000 | 7,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3748% | 3,547 |
| Cost of funding earning assets | 1.9651% | 6,523 |
| Net interest margin | 4.4096% | 1,665 |
| Noninterest income to average assets | 0.4002% | 5,471 |
| Noninterest expense to average assets | 2.2733% | 6,778 |
| Loan and lease loss provision to assets | 0.7324% | 2,021 |
| Net operating income to assets | 1.4808% | 1,062 |
| Return on assets (ROA) | 1.3408% | 1,320 |
| Pretax return on assets | 1.3408% | 2,163 |
| Return on Equity (ROE) | 17.7174% | 554 |
| Retained earnings to average equity (ytd only) | 11.0535% | 319 |
| Net charge-offs to loans | 1.2488% | 961 |
| Credit loss provision to net charge-offs | 104.5714% | 5,116 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 4,506 |
| Efficiency ratio | 50.6690% | 7,616 |
| Assets per employee ($millions) | 4.1297% | 3,253 |
| Cash dividends to net income (ytd only)* | 37.6119% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 2,311 |
| Loan loss allowance to noncurrent loans | 146.3576% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 3,926 |
| Noncurrent loans to loans | 1.0826% | 4,402 |
| Net loans and leases to total assets | 55.4000% | 6,498 |
| Net loans and leases to deposits | 60.2855% | 7,062 |
| Net loans and leases to core deposits | 69.5038% | 7,221 |
| Total domestic deposits to total assets | 91.8960% | 150 |
| Equity capital to assets | 7.6156% | 7,288 |
| Core capital (leverage) ratio | 7.3738% | 7,333 |
| Tier 1 risk-based capital ratio | 10.4320% | 6,284 |
| Total risk-based capital ratio | 11.6544% | 6,184 |
| Memoranda: | ||
| Average total assets | $24,985,800 | 7,840 |
| Average earning assets | $23,153,800 | 7,818 |
| Average equity | $1,890,800 | 8,143 |
| Average total loans | $14,013,000 | 7,704 |