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First State Bank, Performance and Condition Ratios
| 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 | 4.5961% | 7,540 |
| Cost of funding earning assets | 1.3964% | 6,495 |
| Net interest margin | 3.1997% | 5,916 |
| Noninterest income to average assets | 0.6562% | 3,295 |
| Noninterest expense to average assets | 2.4531% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6719% | 3,376 |
| Return on assets (ROA) | 0.6719% | 3,489 |
| Pretax return on assets | 0.9062% | 3,312 |
| Return on Equity (ROE) | 7.3494% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.3494% | 1,449 |
| Net charge-offs to loans | -0.0314% | 7,786 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0233% | 4,188 |
| Assets per employee ($millions) | 4.3505% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,907 |
| Loan loss allowance to noncurrent loans | 24.6470% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 2.9843% | 2,132 |
| Noncurrent loans to loans | 6.3333% | 848 |
| Net loans and leases to total assets | 46.3855% | 7,170 |
| Net loans and leases to deposits | 51.3464% | 7,415 |
| Net loans and leases to core deposits | 54.2643% | 7,653 |
| Total domestic deposits to total assets | 90.3383% | 688 |
| Equity capital to assets | 8.9645% | 5,366 |
| Core capital (leverage) ratio | 10.9048% | 2,480 |
| Tier 1 risk-based capital ratio | 16.7750% | 2,372 |
| Total risk-based capital ratio | 18.0247% | 2,315 |
| Memoranda: | ||
| Average total assets | $25,600,330 | 7,768 |
| Average earning assets | $21,627,000 | 7,803 |
| Average equity | $2,340,330 | 7,918 |
| Average total loans | $12,733,670 | 7,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 5,547 |
| Cost of funding earning assets | 1.6524% | 5,804 |
| Net interest margin | 3.7230% | 3,789 |
| Noninterest income to average assets | 0.2840% | 6,165 |
| Noninterest expense to average assets | 2.4301% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6627% | 3,746 |
| Return on assets (ROA) | 0.6627% | 3,921 |
| Pretax return on assets | 0.8048% | 4,062 |
| Return on Equity (ROE) | 7.1780% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.1780% | 2,144 |
| Net charge-offs to loans | -0.0309% | 7,562 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1220% | 3,637 |
| Assets per employee ($millions) | 3.2229% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,677 |
| Loan loss allowance to noncurrent loans | 27.4032% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7033% | 2,104 |
| Noncurrent loans to loans | 5.7075% | 868 |
| Net loans and leases to total assets | 46.6237% | 7,143 |
| Net loans and leases to deposits | 51.7099% | 7,420 |
| Net loans and leases to core deposits | 54.6832% | 7,659 |
| Total domestic deposits to total assets | 90.1641% | 724 |
| Equity capital to assets | 9.0951% | 5,234 |
| Core capital (leverage) ratio | 10.6162% | 2,817 |
| Tier 1 risk-based capital ratio | 16.4034% | 2,551 |
| Total risk-based capital ratio | 17.6558% | 2,496 |
| Memoranda: | ||
| Average total assets | $25,349,000 | 7,819 |
| Average earning assets | $20,091,500 | 7,900 |
| Average equity | $2,340,500 | 7,969 |
| Average total loans | $12,950,500 | 7,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 6,619 |
| Cost of funding earning assets | 1.9477% | 6,581 |
| Net interest margin | 3.7971% | 4,036 |
| Noninterest income to average assets | 0.3658% | 5,784 |
| Noninterest expense to average assets | 2.6560% | 5,420 |
| Loan and lease loss provision to assets | 0.3575% | 3,539 |
| Net operating income to assets | 0.6027% | 4,288 |
| Return on assets (ROA) | 0.6027% | 4,156 |
| Pretax return on assets | 0.8853% | 3,771 |
| Return on Equity (ROE) | 6.3939% | 3,801 |
| Retained earnings to average equity (ytd only) | 2.8221% | 3,422 |
| Net charge-offs to loans | 1.1391% | 1,066 |
| Credit loss provision to net charge-offs | 55.4839% | 6,281 |
| Earnings coverage of net charge-offs (x) | 1.9290% | 5,102 |
| Efficiency ratio | 68.1237% | 4,705 |
| Assets per employee ($millions) | 3.1144% | 5,738 |
| Cash dividends to net income (ytd only)* | 55.8621% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 3,268 |
| Loan loss allowance to noncurrent loans | 22.3005% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 3.4196% | 1,306 |
| Noncurrent loans to loans | 6.2240% | 541 |
| Net loans and leases to total assets | 54.1802% | 6,633 |
| Net loans and leases to deposits | 60.2715% | 7,063 |
| Net loans and leases to core deposits | 63.8643% | 7,451 |
| Total domestic deposits to total assets | 89.8936% | 691 |
| Equity capital to assets | 9.3759% | 4,852 |
| Core capital (leverage) ratio | 9.7029% | 3,762 |
| Tier 1 risk-based capital ratio | 15.0566% | 3,016 |
| Total risk-based capital ratio | 16.3074% | 2,938 |
| Memoranda: | ||
| Average total assets | $24,058,400 | 7,868 |
| Average earning assets | $22,385,400 | 7,844 |
| Average equity | $2,267,800 | 8,057 |
| Average total loans | $13,607,400 | 7,730 |