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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 | 5.4742% | 4,753 |
| Cost of funding earning assets | 3.5462% | 95 |
| Net interest margin | 1.9281% | 7,899 |
| Noninterest income to average assets | 0.1891% | 6,941 |
| Noninterest expense to average assets | 3.2307% | 3,231 |
| Loan and lease loss provision to assets | 8.9358% | 50 |
| Net operating income to assets | -10.1419% | 8,126 |
| Return on assets (ROA) | -9.9670% | 8,117 |
| Pretax return on assets | -10.0052% | 8,103 |
| Return on Equity (ROE) | -300.1403% | 8,167 |
| Retained earnings to average equity (ytd only) | -300.1403% | 8,167 |
| Net charge-offs to loans | 10.4875% | 51 |
| Credit loss provision to net charge-offs | 103.7896% | 4,423 |
| Earnings coverage of net charge-offs (x) | -0.1445% | 5,835 |
| Efficiency ratio | 162.6369% | 314 |
| Assets per employee ($millions) | 3.7306% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9023% | 83 |
| Loan loss allowance to noncurrent loans | 56.8614% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 9.0496% | 372 |
| Noncurrent loans to loans | 10.3801% | 324 |
| Net loans and leases to total assets | 76.2609% | 2,124 |
| Net loans and leases to deposits | 86.4946% | 3,463 |
| Net loans and leases to core deposits | 122.0471% | 2,202 |
| Total domestic deposits to total assets | 88.1684% | 1,687 |
| Equity capital to assets | 1.2331% | 8,156 |
| Core capital (leverage) ratio | 1.1786% | 8,159 |
| Tier 1 risk-based capital ratio | 1.3652% | 8,162 |
| Total risk-based capital ratio | 2.6685% | 8,162 |
| Memoranda: | ||
| Average total assets | $450,545,670 | 1,569 |
| Average earning assets | $420,003,670 | 1,543 |
| Average equity | $14,961,670 | 4,120 |
| Average total loans | $369,869,000 | 1,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5109% | 4,852 |
| Cost of funding earning assets | 3.6367% | 102 |
| Net interest margin | 1.8742% | 7,951 |
| Noninterest income to average assets | 0.2620% | 6,360 |
| Noninterest expense to average assets | 3.0373% | 3,600 |
| Loan and lease loss provision to assets | 13.7536% | 21 |
| Net operating income to assets | -14.7766% | 8,207 |
| Return on assets (ROA) | -14.4279% | 8,198 |
| Pretax return on assets | -14.4279% | 8,196 |
| Return on Equity (ROE) | -331.3197% | 8,221 |
| Retained earnings to average equity (ytd only) | -331.3197% | 8,220 |
| Net charge-offs to loans | 20.9310% | 15 |
| Credit loss provision to net charge-offs | 79.5384% | 4,198 |
| Earnings coverage of net charge-offs (x) | -0.0592% | 5,034 |
| Efficiency ratio | 150.7909% | 348 |
| Assets per employee ($millions) | 3.2400% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6365% | 136 |
| Loan loss allowance to noncurrent loans | 78.3109% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 5.5753% | 753 |
| Noncurrent loans to loans | 5.9206% | 819 |
| Net loans and leases to total assets | 77.8636% | 1,854 |
| Net loans and leases to deposits | 89.8508% | 2,955 |
| Net loans and leases to core deposits | 121.3256% | 2,306 |
| Total domestic deposits to total assets | 86.6587% | 2,378 |
| Equity capital to assets | 2.6198% | 8,206 |
| Core capital (leverage) ratio | 2.4985% | 8,210 |
| Tier 1 risk-based capital ratio | 2.9570% | 8,215 |
| Total risk-based capital ratio | 4.2450% | 8,216 |
| Memoranda: | ||
| Average total assets | $451,985,000 | 1,568 |
| Average earning assets | $422,581,000 | 1,540 |
| Average equity | $19,682,500 | 3,306 |
| Average total loans | $373,399,000 | 1,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6031% | 2,478 |
| Cost of funding earning assets | 3.7952% | 204 |
| Net interest margin | 2.8078% | 7,319 |
| Noninterest income to average assets | 0.2913% | 6,380 |
| Noninterest expense to average assets | 2.9159% | 4,393 |
| Loan and lease loss provision to assets | 4.7606% | 121 |
| Net operating income to assets | -4.3186% | 8,030 |
| Return on assets (ROA) | -4.4098% | 8,026 |
| Pretax return on assets | -4.8340% | 8,003 |
| Return on Equity (ROE) | -49.4098% | 8,151 |
| Retained earnings to average equity (ytd only) | -51.6632% | 8,146 |
| Net charge-offs to loans | 2.4063% | 417 |
| Credit loss provision to net charge-offs | 238.8611% | 1,976 |
| Earnings coverage of net charge-offs (x) | 0.0134% | 6,237 |
| Efficiency ratio | 99.0916% | 1,017 |
| Assets per employee ($millions) | 3.4068% | 4,925 |
| Cash dividends to net income (ytd only)* | -4.5605% | 7,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3431% | 84 |
| Loan loss allowance to noncurrent loans | 86.5955% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 5.3290% | 619 |
| Noncurrent loans to loans | 6.1702% | 560 |
| Net loans and leases to total assets | 79.0668% | 1,872 |
| Net loans and leases to deposits | 99.5224% | 1,900 |
| Net loans and leases to core deposits | 135.3576% | 1,521 |
| Total domestic deposits to total assets | 79.4462% | 5,226 |
| Equity capital to assets | 6.0046% | 8,061 |
| Core capital (leverage) ratio | 5.7566% | 8,134 |
| Tier 1 risk-based capital ratio | 6.7721% | 8,190 |
| Total risk-based capital ratio | 8.0683% | 8,198 |
| Memoranda: | ||
| Average total assets | $471,386,400 | 1,461 |
| Average earning assets | $445,111,000 | 1,404 |
| Average equity | $42,070,600 | 1,589 |
| Average total loans | $390,440,000 | 1,242 |