Home > First State Bank > Performance and Condition Ratios
First State Bank, 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 | 4.7934% | 5,440 |
| Cost of funding earning assets | 1.7872% | 1,221 |
| Net interest margin | 3.0062% | 6,724 |
| Noninterest income to average assets | 0.3595% | 5,235 |
| Noninterest expense to average assets | 1.6820% | 7,358 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4055% | 942 |
| Return on assets (ROA) | 1.4118% | 993 |
| Pretax return on assets | 1.4510% | 1,508 |
| Return on Equity (ROE) | 8.4189% | 2,527 |
| Retained earnings to average equity (ytd only) | -7.2496% | 6,474 |
| Net charge-offs to loans | 0.4980% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,592 |
| Efficiency ratio | 53.7979% | 6,825 |
| Assets per employee ($millions) | 5.2880% | 1,764 |
| Cash dividends to net income (ytd only)* | 186.1111% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,431 |
| Loan loss allowance to noncurrent loans | 107.4074% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,844 |
| Noncurrent loans to loans | 0.9210% | 5,216 |
| Net loans and leases to total assets | 48.7939% | 6,296 |
| Net loans and leases to deposits | 57.3765% | 6,318 |
| Net loans and leases to core deposits | 61.5218% | 6,273 |
| Total domestic deposits to total assets | 85.0416% | 3,829 |
| Equity capital to assets | 14.8407% | 827 |
| Core capital (leverage) ratio | 15.0642% | 654 |
| Tier 1 risk-based capital ratio | 20.4487% | 1,410 |
| Total risk-based capital ratio | 21.1273% | 1,483 |
| Memoranda: | ||
| Average total assets | $45,897,800 | 6,668 |
| Average earning assets | $42,245,800 | 6,631 |
| Average equity | $7,697,000 | 5,811 |
| Average total loans | $23,897,600 | 6,736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 5,318 |
| Cost of funding earning assets | 1.8489% | 1,218 |
| Net interest margin | 3.0393% | 6,751 |
| Noninterest income to average assets | 0.3812% | 5,107 |
| Noninterest expense to average assets | 1.6302% | 7,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5276% | 872 |
| Return on assets (ROA) | 1.5276% | 951 |
| Pretax return on assets | 1.5657% | 1,428 |
| Return on Equity (ROE) | 8.8428% | 2,545 |
| Retained earnings to average equity (ytd only) | 0.5941% | 5,563 |
| Net charge-offs to loans | 0.6720% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.4132% | 3,063 |
| Efficiency ratio | 51.0092% | 7,071 |
| Assets per employee ($millions) | 4.9840% | 2,197 |
| Cash dividends to net income (ytd only)* | 93.2815% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,554 |
| Loan loss allowance to noncurrent loans | 85.1852% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 5,563 |
| Noncurrent loans to loans | 1.1199% | 5,001 |
| Net loans and leases to total assets | 53.2348% | 5,953 |
| Net loans and leases to deposits | 64.7671% | 5,811 |
| Net loans and leases to core deposits | 69.3512% | 5,816 |
| Total domestic deposits to total assets | 82.1941% | 4,916 |
| Equity capital to assets | 17.6431% | 447 |
| Core capital (leverage) ratio | 16.6982% | 464 |
| Tier 1 risk-based capital ratio | 22.8258% | 1,093 |
| Total risk-based capital ratio | 23.5179% | 1,138 |
| Memoranda: | ||
| Average total assets | $45,474,250 | 6,762 |
| Average earning assets | $42,114,500 | 6,720 |
| Average equity | $7,855,500 | 5,840 |
| Average total loans | $24,008,500 | 6,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 5,666 |
| Cost of funding earning assets | 1.8959% | 1,257 |
| Net interest margin | 2.9386% | 6,953 |
| Noninterest income to average assets | 0.3546% | 5,309 |
| Noninterest expense to average assets | 1.6287% | 7,549 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4010% | 1,090 |
| Return on assets (ROA) | 1.4010% | 1,153 |
| Pretax return on assets | 1.4404% | 1,725 |
| Return on Equity (ROE) | 8.1674% | 2,820 |
| Retained earnings to average equity (ytd only) | 4.9515% | 2,931 |
| Net charge-offs to loans | 1.0261% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.6748% | 3,661 |
| Efficiency ratio | 53.0670% | 6,973 |
| Assets per employee ($millions) | 5.0466% | 2,128 |
| Cash dividends to net income (ytd only)* | 39.3750% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 6,696 |
| Loan loss allowance to noncurrent loans | 85.0746% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 5,606 |
| Noncurrent loans to loans | 1.0793% | 5,160 |
| Net loans and leases to total assets | 54.1712% | 5,968 |
| Net loans and leases to deposits | 65.9908% | 5,806 |
| Net loans and leases to core deposits | 66.4470% | 6,208 |
| Total domestic deposits to total assets | 82.0890% | 4,944 |
| Equity capital to assets | 17.7283% | 445 |
| Core capital (leverage) ratio | 16.7746% | 468 |
| Tier 1 risk-based capital ratio | 23.7721% | 966 |
| Total risk-based capital ratio | 24.4720% | 1,013 |
| Memoranda: | ||
| Average total assets | $45,680,330 | 6,798 |
| Average earning assets | $42,197,330 | 6,768 |
| Average equity | $7,836,000 | 5,861 |
| Average total loans | $23,975,000 | 6,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 6,184 |
| Cost of funding earning assets | 1.9792% | 1,162 |
| Net interest margin | 2.7382% | 7,255 |
| Noninterest income to average assets | 0.3231% | 5,567 |
| Noninterest expense to average assets | 1.5629% | 7,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2050% | 1,528 |
| Return on assets (ROA) | 1.2050% | 1,604 |
| Pretax return on assets | 1.2486% | 2,207 |
| Return on Equity (ROE) | 7.1429% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,545 |
| Net charge-offs to loans | 0.1359% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,255 |
| Efficiency ratio | 55.5901% | 6,829 |
| Assets per employee ($millions) | 5.0743% | 2,137 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 4,094 |
| Loan loss allowance to noncurrent loans | 60.3873% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 4,394 |
| Noncurrent loans to loans | 2.4282% | 3,246 |
| Net loans and leases to total assets | 50.4697% | 6,424 |
| Net loans and leases to deposits | 60.9923% | 6,361 |
| Net loans and leases to core deposits | 65.1820% | 6,352 |
| Total domestic deposits to total assets | 82.7476% | 4,738 |
| Equity capital to assets | 17.0926% | 524 |
| Core capital (leverage) ratio | 16.6199% | 489 |
| Tier 1 risk-based capital ratio | 23.5414% | 1,009 |
| Total risk-based capital ratio | 24.5991% | 1,005 |
| Memoranda: | ||
| Average total assets | $45,811,000 | 6,881 |
| Average earning assets | $41,632,500 | 6,872 |
| Average equity | $7,728,000 | 5,937 |
| Average total loans | $23,546,500 | 6,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 1,973 |
| Cost of funding earning assets | 2.4180% | 1,248 |
| Net interest margin | 3.5547% | 4,727 |
| Noninterest income to average assets | 0.2624% | 6,240 |
| Noninterest expense to average assets | 1.9487% | 7,439 |
| Loan and lease loss provision to assets | 0.2187% | 5,613 |
| Net operating income to assets | 1.2838% | 1,062 |
| Return on assets (ROA) | 1.2838% | 1,115 |
| Pretax return on assets | 1.3232% | 1,631 |
| Return on Equity (ROE) | 7.8317% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.4301% | 1,611 |
| Net charge-offs to loans | 0.8682% | 2,662 |
| Credit loss provision to net charge-offs | 44.6429% | 6,796 |
| Earnings coverage of net charge-offs (x) | 3.1473% | 3,486 |
| Efficiency ratio | 55.8271% | 7,040 |
| Assets per employee ($millions) | 5.1059% | 2,076 |
| Cash dividends to net income (ytd only)* | 30.6644% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,831 |
| Loan loss allowance to noncurrent loans | 90.2314% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 5,073 |
| Noncurrent loans to loans | 1.6413% | 4,186 |
| Net loans and leases to total assets | 50.8128% | 6,549 |
| Net loans and leases to deposits | 61.0825% | 6,553 |
| Net loans and leases to core deposits | 74.4176% | 6,511 |
| Total domestic deposits to total assets | 83.1872% | 4,434 |
| Equity capital to assets | 16.6474% | 594 |
| Core capital (leverage) ratio | 16.6226% | 534 |
| Tier 1 risk-based capital ratio | 22.8469% | 1,057 |
| Total risk-based capital ratio | 23.9091% | 1,054 |
| Memoranda: | ||
| Average total assets | $45,723,400 | 6,883 |
| Average earning assets | $41,522,200 | 6,885 |
| Average equity | $7,495,200 | 6,093 |
| Average total loans | $25,799,400 | 6,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9193% | 2,359 |
| Cost of funding earning assets | 2.5038% | 1,289 |
| Net interest margin | 3.4155% | 5,195 |
| Noninterest income to average assets | 0.2453% | 6,478 |
| Noninterest expense to average assets | 1.8598% | 7,595 |
| Loan and lease loss provision to assets | 0.2920% | 4,642 |
| Net operating income to assets | 1.1620% | 1,556 |
| Return on assets (ROA) | 1.1620% | 1,614 |
| Pretax return on assets | 1.2000% | 2,262 |
| Return on Equity (ROE) | 7.1166% | 3,018 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,200 |
| Net charge-offs to loans | 1.4030% | 1,468 |
| Credit loss provision to net charge-offs | 36.1011% | 6,462 |
| Earnings coverage of net charge-offs (x) | 1.8448% | 4,421 |
| Efficiency ratio | 55.4878% | 7,070 |
| Assets per employee ($millions) | 5.1057% | 2,017 |
| Cash dividends to net income (ytd only)* | 22.6138% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 5,351 |
| Loan loss allowance to noncurrent loans | 69.9531% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 4,883 |
| Noncurrent loans to loans | 1.6608% | 4,151 |
| Net loans and leases to total assets | 55.1740% | 6,249 |
| Net loans and leases to deposits | 66.3413% | 6,278 |
| Net loans and leases to core deposits | 81.6837% | 6,215 |
| Total domestic deposits to total assets | 83.1669% | 4,141 |
| Equity capital to assets | 16.6308% | 686 |
| Core capital (leverage) ratio | 17.7275% | 475 |
| Tier 1 risk-based capital ratio | 22.1944% | 1,201 |
| Total risk-based capital ratio | 23.0822% | 1,221 |
| Memoranda: | ||
| Average total assets | $45,666,000 | 6,935 |
| Average earning assets | $41,535,250 | 6,934 |
| Average equity | $7,456,500 | 6,173 |
| Average total loans | $26,324,000 | 6,893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1112% | 1,756 |
| Cost of funding earning assets | 2.5906% | 1,312 |
| Net interest margin | 3.5206% | 4,699 |
| Noninterest income to average assets | 0.2238% | 6,690 |
| Noninterest expense to average assets | 1.7423% | 7,794 |
| Loan and lease loss provision to assets | 0.4389% | 3,359 |
| Net operating income to assets | 1.1762% | 1,547 |
| Return on assets (ROA) | 1.1762% | 1,629 |
| Pretax return on assets | 1.2157% | 2,256 |
| Return on Equity (ROE) | 7.2485% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.2748% | 1,894 |
| Net charge-offs to loans | 2.2600% | 793 |
| Credit loss provision to net charge-offs | 33.3333% | 5,985 |
| Earnings coverage of net charge-offs (x) | 1.2567% | 4,590 |
| Efficiency ratio | 51.2920% | 7,568 |
| Assets per employee ($millions) | 5.0546% | 2,020 |
| Cash dividends to net income (ytd only)* | 13.4328% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,762 |
| Loan loss allowance to noncurrent loans | 51.0204% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 4,339 |
| Noncurrent loans to loans | 2.1032% | 3,376 |
| Net loans and leases to total assets | 55.7319% | 6,239 |
| Net loans and leases to deposits | 66.9245% | 6,303 |
| Net loans and leases to core deposits | 81.6285% | 6,268 |
| Total domestic deposits to total assets | 83.2758% | 4,114 |
| Equity capital to assets | 16.5044% | 746 |
| Core capital (leverage) ratio | 16.1469% | 727 |
| Tier 1 risk-based capital ratio | 21.6331% | 1,314 |
| Total risk-based capital ratio | 22.4400% | 1,332 |
| Memoranda: | ||
| Average total assets | $45,571,000 | 6,998 |
| Average earning assets | $41,072,000 | 7,009 |
| Average equity | $7,394,670 | 6,221 |
| Average total loans | $26,548,330 | 6,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3632% | 1,151 |
| Cost of funding earning assets | 2.6700% | 1,349 |
| Net interest margin | 3.6932% | 3,919 |
| Noninterest income to average assets | 0.1579% | 7,176 |
| Noninterest expense to average assets | 1.7277% | 7,791 |
| Loan and lease loss provision to assets | 0.8770% | 1,499 |
| Net operating income to assets | 0.8331% | 2,981 |
| Return on assets (ROA) | 0.8331% | 3,127 |
| Pretax return on assets | 0.8770% | 3,806 |
| Return on Equity (ROE) | 5.1785% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.1973% | 3,575 |
| Net charge-offs to loans | 2.7399% | 480 |
| Credit loss provision to net charge-offs | 54.0541% | 4,613 |
| Earnings coverage of net charge-offs (x) | 1.0811% | 4,220 |
| Efficiency ratio | 49.6222% | 7,611 |
| Assets per employee ($millions) | 5.0266% | 2,047 |
| Cash dividends to net income (ytd only)* | 18.9474% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,092 |
| Loan loss allowance to noncurrent loans | 44.1676% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 1.9519% | 2,979 |
| Noncurrent loans to loans | 3.3488% | 1,916 |
| Net loans and leases to total assets | 57.4239% | 6,033 |
| Net loans and leases to deposits | 68.7503% | 6,103 |
| Net loans and leases to core deposits | 84.3031% | 6,043 |
| Total domestic deposits to total assets | 83.5253% | 3,913 |
| Equity capital to assets | 16.2581% | 829 |
| Core capital (leverage) ratio | 15.9396% | 791 |
| Tier 1 risk-based capital ratio | 21.6921% | 1,337 |
| Total risk-based capital ratio | 22.8638% | 1,323 |
| Memoranda: | ||
| Average total assets | $45,611,000 | 7,042 |
| Average earning assets | $41,048,500 | 7,058 |
| Average equity | $7,338,000 | 6,283 |
| Average total loans | $27,008,500 | 6,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 1,864 |
| Cost of funding earning assets | 3.2287% | 1,102 |
| Net interest margin | 3.5216% | 5,225 |
| Noninterest income to average assets | 0.2927% | 6,371 |
| Noninterest expense to average assets | 1.6565% | 7,908 |
| Loan and lease loss provision to assets | 0.6717% | 2,168 |
| Net operating income to assets | 1.2345% | 1,669 |
| Return on assets (ROA) | 1.2345% | 1,615 |
| Pretax return on assets | 1.2662% | 2,419 |
| Return on Equity (ROE) | 7.7469% | 3,176 |
| Retained earnings to average equity (ytd only) | 3.9019% | 2,701 |
| Net charge-offs to loans | 1.6175% | 702 |
| Credit loss provision to net charge-offs | 64.0693% | 6,177 |
| Earnings coverage of net charge-offs (x) | 1.8485% | 5,147 |
| Efficiency ratio | 46.0859% | 7,926 |
| Assets per employee ($millions) | 5.1092% | 1,825 |
| Cash dividends to net income (ytd only)* | 49.6324% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 1,855 |
| Loan loss allowance to noncurrent loans | 26.8513% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 3.8471% | 1,098 |
| Noncurrent loans to loans | 6.3981% | 508 |
| Net loans and leases to total assets | 59.0958% | 6,042 |
| Net loans and leases to deposits | 70.4775% | 6,222 |
| Net loans and leases to core deposits | 85.9311% | 6,136 |
| Total domestic deposits to total assets | 83.8506% | 3,396 |
| Equity capital to assets | 15.9211% | 954 |
| Core capital (leverage) ratio | 16.2063% | 794 |
| Tier 1 risk-based capital ratio | 20.7010% | 1,506 |
| Total risk-based capital ratio | 21.9525% | 1,478 |
| Memoranda: | ||
| Average total assets | $44,067,600 | 7,025 |
| Average earning assets | $41,316,800 | 6,977 |
| Average equity | $7,022,200 | 6,445 |
| Average total loans | $28,562,400 | 6,792 |