Home > First Southern Bank > Performance and Condition Ratios
First Southern 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 | 5.5183% | 2,362 |
| Cost of funding earning assets | 1.6406% | 2,159 |
| Net interest margin | 3.8777% | 3,625 |
| Noninterest income to average assets | 0.1312% | 6,904 |
| Noninterest expense to average assets | 2.9586% | 3,893 |
| Loan and lease loss provision to assets | 0.4092% | 3,451 |
| Net operating income to assets | 0.4403% | 4,587 |
| Return on assets (ROA) | 0.4403% | 4,767 |
| Pretax return on assets | 0.4791% | 4,995 |
| Return on Equity (ROE) | 4.6049% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.6049% | 3,258 |
| Net charge-offs to loans | 0.8829% | 2,236 |
| Credit loss provision to net charge-offs | 63.6242% | 5,601 |
| Earnings coverage of net charge-offs (x) | 1.3812% | 4,697 |
| Efficiency ratio | 76.9075% | 2,775 |
| Assets per employee ($millions) | 5.3268% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,288 |
| Loan loss allowance to noncurrent loans | 111.4708% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 5,353 |
| Noncurrent loans to loans | 1.1120% | 5,021 |
| Net loans and leases to total assets | 65.8095% | 3,731 |
| Net loans and leases to deposits | 80.9991% | 3,265 |
| Net loans and leases to core deposits | 99.1094% | 1,932 |
| Total domestic deposits to total assets | 81.2473% | 5,286 |
| Equity capital to assets | 10.0384% | 4,111 |
| Core capital (leverage) ratio | 11.1107% | 2,185 |
| Tier 1 risk-based capital ratio | 14.0009% | 3,832 |
| Total risk-based capital ratio | 15.1598% | 3,874 |
| Memoranda: | ||
| Average total assets | $154,440,250 | 3,852 |
| Average earning assets | $147,988,750 | 3,720 |
| Average equity | $14,766,500 | 4,041 |
| Average total loans | $112,509,500 | 3,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 2,275 |
| Cost of funding earning assets | 1.6359% | 2,450 |
| Net interest margin | 3.9285% | 3,323 |
| Noninterest income to average assets | 0.1268% | 6,961 |
| Noninterest expense to average assets | 3.1113% | 3,262 |
| Loan and lease loss provision to assets | 0.4338% | 3,144 |
| Net operating income to assets | 0.5014% | 4,324 |
| Return on assets (ROA) | 0.5014% | 4,471 |
| Pretax return on assets | 0.3394% | 5,396 |
| Return on Equity (ROE) | 5.3647% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.3647% | 2,691 |
| Net charge-offs to loans | 0.2011% | 4,405 |
| Credit loss provision to net charge-offs | 285.1852% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.0833% | 2,751 |
| Efficiency ratio | 80.0943% | 2,433 |
| Assets per employee ($millions) | 4.6108% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,008 |
| Loan loss allowance to noncurrent loans | 90.7686% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 3,995 |
| Noncurrent loans to loans | 1.8922% | 3,874 |
| Net loans and leases to total assets | 75.0139% | 1,689 |
| Net loans and leases to deposits | 91.9632% | 1,537 |
| Net loans and leases to core deposits | 142.2418% | 261 |
| Total domestic deposits to total assets | 81.5695% | 5,171 |
| Equity capital to assets | 8.6613% | 5,930 |
| Core capital (leverage) ratio | 9.1697% | 4,344 |
| Tier 1 risk-based capital ratio | 10.9209% | 6,317 |
| Total risk-based capital ratio | 12.1757% | 6,300 |
| Memoranda: | ||
| Average total assets | $141,999,000 | 4,094 |
| Average earning assets | $135,827,330 | 3,981 |
| Average equity | $13,272,000 | 4,379 |
| Average total loans | $107,418,330 | 3,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 2,823 |
| Cost of funding earning assets | 1.6518% | 2,641 |
| Net interest margin | 3.7973% | 3,808 |
| Noninterest income to average assets | 0.1099% | 7,148 |
| Noninterest expense to average assets | 3.1884% | 2,917 |
| Loan and lease loss provision to assets | 0.2555% | 3,999 |
| Net operating income to assets | 0.3001% | 5,302 |
| Return on assets (ROA) | 0.3001% | 5,432 |
| Pretax return on assets | 0.3001% | 5,604 |
| Return on Equity (ROE) | 3.0795% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.0795% | 4,292 |
| Net charge-offs to loans | 0.4462% | 2,713 |
| Credit loss provision to net charge-offs | 76.1062% | 3,973 |
| Earnings coverage of net charge-offs (x) | 1.6549% | 3,742 |
| Efficiency ratio | 85.1587% | 1,892 |
| Assets per employee ($millions) | 4.2764% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 2,992 |
| Loan loss allowance to noncurrent loans | 74.0681% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,659 |
| Noncurrent loans to loans | 2.3203% | 3,362 |
| Net loans and leases to total assets | 74.0770% | 1,957 |
| Net loans and leases to deposits | 87.3057% | 2,354 |
| Net loans and leases to core deposits | 135.3501% | 392 |
| Total domestic deposits to total assets | 84.8479% | 3,746 |
| Equity capital to assets | 9.3706% | 4,723 |
| Core capital (leverage) ratio | 9.9060% | 3,279 |
| Tier 1 risk-based capital ratio | 12.0834% | 5,102 |
| Total risk-based capital ratio | 13.3383% | 5,068 |
| Memoranda: | ||
| Average total assets | $134,615,000 | 4,312 |
| Average earning assets | $128,827,000 | 4,176 |
| Average equity | $13,119,000 | 4,451 |
| Average total loans | $101,301,500 | 3,915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 3,891 |
| Cost of funding earning assets | 1.9614% | 3,145 |
| Net interest margin | 3.5858% | 4,599 |
| Noninterest income to average assets | 0.1243% | 7,131 |
| Noninterest expense to average assets | 2.5896% | 5,830 |
| Loan and lease loss provision to assets | 1.6143% | 1,415 |
| Net operating income to assets | -0.3017% | 5,974 |
| Return on assets (ROA) | -0.0910% | 5,670 |
| Pretax return on assets | -0.3143% | 5,848 |
| Return on Equity (ROE) | -0.7896% | 5,669 |
| Retained earnings to average equity (ytd only) | -0.7896% | 5,200 |
| Net charge-offs to loans | 0.9375% | 2,518 |
| Credit loss provision to net charge-offs | 222.9746% | 1,687 |
| Earnings coverage of net charge-offs (x) | 1.3410% | 4,790 |
| Efficiency ratio | 72.7317% | 4,144 |
| Assets per employee ($millions) | 4.4175% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,199 |
| Loan loss allowance to noncurrent loans | 48.7132% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.9842% | 2,352 |
| Noncurrent loans to loans | 3.9569% | 1,868 |
| Net loans and leases to total assets | 73.6730% | 2,341 |
| Net loans and leases to deposits | 88.1217% | 2,541 |
| Net loans and leases to core deposits | 140.2434% | 803 |
| Total domestic deposits to total assets | 83.6037% | 4,231 |
| Equity capital to assets | 10.1586% | 3,551 |
| Core capital (leverage) ratio | 11.1611% | 2,137 |
| Tier 1 risk-based capital ratio | 13.5749% | 3,779 |
| Total risk-based capital ratio | 14.8324% | 3,714 |
| Memoranda: | ||
| Average total assets | $114,227,600 | 4,717 |
| Average earning assets | $109,460,200 | 4,581 |
| Average equity | $13,170,800 | 4,467 |
| Average total loans | $88,210,200 | 4,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6161% | 3,767 |
| Cost of funding earning assets | 1.9770% | 3,478 |
| Net interest margin | 3.6391% | 4,326 |
| Noninterest income to average assets | 0.1866% | 6,881 |
| Noninterest expense to average assets | 2.3739% | 6,495 |
| Loan and lease loss provision to assets | 1.6071% | 1,178 |
| Net operating income to assets | -0.2967% | 6,191 |
| Return on assets (ROA) | 0.1481% | 5,392 |
| Pretax return on assets | 0.1517% | 5,410 |
| Return on Equity (ROE) | 1.2415% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.2415% | 4,630 |
| Net charge-offs to loans | 0.1361% | 5,340 |
| Credit loss provision to net charge-offs | 1,517.0455% | 255 |
| Earnings coverage of net charge-offs (x) | 12.3182% | 1,772 |
| Efficiency ratio | 64.5288% | 5,656 |
| Assets per employee ($millions) | 4.4297% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 1,416 |
| Loan loss allowance to noncurrent loans | 90.1427% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 3,389 |
| Noncurrent loans to loans | 2.4432% | 3,086 |
| Net loans and leases to total assets | 77.4111% | 1,691 |
| Net loans and leases to deposits | 90.3155% | 2,515 |
| Net loans and leases to core deposits | 215.4766% | 72 |
| Total domestic deposits to total assets | 85.7119% | 2,857 |
| Equity capital to assets | 11.0884% | 2,932 |
| Core capital (leverage) ratio | 11.5774% | 2,027 |
| Tier 1 risk-based capital ratio | 13.8040% | 3,664 |
| Total risk-based capital ratio | 15.0648% | 3,609 |
| Memoranda: | ||
| Average total assets | $110,757,500 | 4,837 |
| Average earning assets | $106,287,000 | 4,698 |
| Average equity | $13,210,000 | 4,483 |
| Average total loans | $86,203,750 | 4,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 3,748 |
| Cost of funding earning assets | 2.0584% | 3,484 |
| Net interest margin | 3.6050% | 4,338 |
| Noninterest income to average assets | 0.1818% | 6,995 |
| Noninterest expense to average assets | 2.3004% | 6,757 |
| Loan and lease loss provision to assets | 0.5621% | 2,772 |
| Net operating income to assets | 0.5575% | 3,849 |
| Return on assets (ROA) | 0.5899% | 3,831 |
| Pretax return on assets | 0.8422% | 3,534 |
| Return on Equity (ROE) | 4.8209% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.8209% | 2,623 |
| Net charge-offs to loans | 0.0240% | 6,153 |
| Credit loss provision to net charge-offs | 3,030.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 515 |
| Efficiency ratio | 62.8803% | 6,101 |
| Assets per employee ($millions) | 6.1847% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,695 |
| Loan loss allowance to noncurrent loans | 2,133.9623% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 6,920 |
| Noncurrent loans to loans | 0.0579% | 7,389 |
| Net loans and leases to total assets | 81.1433% | 1,108 |
| Net loans and leases to deposits | 94.3671% | 2,031 |
| Net loans and leases to core deposits | 228.0823% | 73 |
| Total domestic deposits to total assets | 85.9868% | 2,803 |
| Equity capital to assets | 12.2058% | 2,084 |
| Core capital (leverage) ratio | 12.2930% | 1,700 |
| Tier 1 risk-based capital ratio | 14.4626% | 3,272 |
| Total risk-based capital ratio | 15.6759% | 3,227 |
| Memoranda: | ||
| Average total assets | $107,809,000 | 4,945 |
| Average earning assets | $103,966,330 | 4,791 |
| Average equity | $13,192,670 | 4,495 |
| Average total loans | $83,381,330 | 4,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 4,607 |
| Cost of funding earning assets | 2.2184% | 3,068 |
| Net interest margin | 3.3374% | 5,377 |
| Noninterest income to average assets | 0.1848% | 6,974 |
| Noninterest expense to average assets | 2.2140% | 6,827 |
| Loan and lease loss provision to assets | 0.2942% | 3,598 |
| Net operating income to assets | 0.5771% | 4,114 |
| Return on assets (ROA) | 0.5771% | 4,311 |
| Pretax return on assets | 0.8939% | 3,742 |
| Return on Equity (ROE) | 4.7095% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.7095% | 3,296 |
| Net charge-offs to loans | 0.0403% | 4,925 |
| Credit loss provision to net charge-offs | 975.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 864 |
| Efficiency ratio | 65.0776% | 5,496 |
| Assets per employee ($millions) | 6.0578% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,398 |
| Loan loss allowance to noncurrent loans | 1,515.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 6,776 |
| Noncurrent loans to loans | 0.0733% | 7,317 |
| Net loans and leases to total assets | 74.2840% | 2,687 |
| Net loans and leases to deposits | 86.0777% | 3,614 |
| Net loans and leases to core deposits | 193.4698% | 164 |
| Total domestic deposits to total assets | 86.2987% | 2,558 |
| Equity capital to assets | 12.0166% | 2,247 |
| Core capital (leverage) ratio | 12.2646% | 1,777 |
| Tier 1 risk-based capital ratio | 14.5584% | 3,279 |
| Total risk-based capital ratio | 15.5838% | 3,330 |
| Memoranda: | ||
| Average total assets | $106,051,500 | 5,006 |
| Average earning assets | $102,235,500 | 4,854 |
| Average equity | $12,995,000 | 4,577 |
| Average total loans | $79,340,500 | 4,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3624% | 3,626 |
| Cost of funding earning assets | 2.8624% | 2,430 |
| Net interest margin | 3.5000% | 5,295 |
| Noninterest income to average assets | 0.1382% | 7,412 |
| Noninterest expense to average assets | 2.6003% | 5,651 |
| Loan and lease loss provision to assets | 0.2202% | 4,681 |
| Net operating income to assets | 0.3866% | 5,207 |
| Return on assets (ROA) | 0.3866% | 5,017 |
| Pretax return on assets | 0.6551% | 4,529 |
| Return on Equity (ROE) | 2.7410% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7410% | 3,474 |
| Net charge-offs to loans | 0.1191% | 5,066 |
| Credit loss provision to net charge-offs | 239.0244% | 1,973 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,677 |
| Efficiency ratio | 74.8141% | 3,435 |
| Assets per employee ($millions) | 5.1531% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 6,765 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.6780% | 3,194 |
| Net loans and leases to deposits | 85.6724% | 4,162 |
| Net loans and leases to core deposits | 195.0677% | 187 |
| Total domestic deposits to total assets | 85.9997% | 2,400 |
| Equity capital to assets | 12.5041% | 2,012 |
| Core capital (leverage) ratio | 13.4731% | 1,396 |
| Tier 1 risk-based capital ratio | 15.5447% | 2,831 |
| Total risk-based capital ratio | 16.5672% | 2,848 |
| Memoranda: | ||
| Average total assets | $88,991,000 | 5,389 |
| Average earning assets | $84,857,400 | 5,275 |
| Average equity | $12,550,000 | 4,689 |
| Average total loans | $68,839,600 | 4,915 |