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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 | 6.3718% | 1,060 |
| Cost of funding earning assets | 2.7658% | 863 |
| Net interest margin | 3.6060% | 4,336 |
| Noninterest income to average assets | 0.5160% | 4,302 |
| Noninterest expense to average assets | 6.7268% | 243 |
| Loan and lease loss provision to assets | 6.1687% | 124 |
| Net operating income to assets | -9.4646% | 8,107 |
| Return on assets (ROA) | -9.4856% | 8,099 |
| Pretax return on assets | -9.4856% | 8,086 |
| Return on Equity (ROE) | -147.2217% | 8,125 |
| Retained earnings to average equity (ytd only) | -147.2217% | 8,123 |
| Net charge-offs to loans | 9.3446% | 70 |
| Credit loss provision to net charge-offs | 86.3212% | 5,021 |
| Earnings coverage of net charge-offs (x) | -0.4612% | 6,055 |
| Efficiency ratio | 196.0614% | 208 |
| Assets per employee ($millions) | 3.9717% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1304% | 506 |
| Loan loss allowance to noncurrent loans | 52.7438% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 10.7111% | 243 |
| Noncurrent loans to loans | 5.9351% | 927 |
| Net loans and leases to total assets | 73.4984% | 2,841 |
| Net loans and leases to deposits | 82.3281% | 4,168 |
| Net loans and leases to core deposits | 104.1410% | 4,048 |
| Total domestic deposits to total assets | 89.2750% | 1,135 |
| Equity capital to assets | 4.1927% | 8,089 |
| Core capital (leverage) ratio | 3.9480% | 8,099 |
| Tier 1 risk-based capital ratio | 4.4559% | 8,116 |
| Total risk-based capital ratio | 5.7222% | 8,118 |
| Memoranda: | ||
| Average total assets | $113,961,670 | 4,776 |
| Average earning assets | $92,125,330 | 5,114 |
| Average equity | $7,342,670 | 6,249 |
| Average total loans | $87,151,670 | 4,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1481% | 1,770 |
| Cost of funding earning assets | 2.8130% | 954 |
| Net interest margin | 3.3351% | 5,385 |
| Noninterest income to average assets | 0.4296% | 4,964 |
| Noninterest expense to average assets | 4.6537% | 615 |
| Loan and lease loss provision to assets | 2.9661% | 366 |
| Net operating income to assets | -3.7162% | 7,952 |
| Return on assets (ROA) | -3.7162% | 7,946 |
| Pretax return on assets | -4.4901% | 7,952 |
| Return on Equity (ROE) | -49.7376% | 8,045 |
| Retained earnings to average equity (ytd only) | -49.7376% | 8,028 |
| Net charge-offs to loans | 9.1509% | 71 |
| Credit loss provision to net charge-offs | 42.2330% | 4,791 |
| Earnings coverage of net charge-offs (x) | -0.2170% | 5,143 |
| Efficiency ratio | 148.6928% | 359 |
| Assets per employee ($millions) | 3.7801% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 1,024 |
| Loan loss allowance to noncurrent loans | 27.1798% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 12.0879% | 140 |
| Noncurrent loans to loans | 8.2613% | 424 |
| Net loans and leases to total assets | 73.4787% | 2,895 |
| Net loans and leases to deposits | 86.4478% | 3,557 |
| Net loans and leases to core deposits | 110.0709% | 3,428 |
| Total domestic deposits to total assets | 84.9978% | 3,211 |
| Equity capital to assets | 7.5686% | 7,294 |
| Core capital (leverage) ratio | 7.2127% | 7,465 |
| Tier 1 risk-based capital ratio | 8.1566% | 7,993 |
| Total risk-based capital ratio | 9.4130% | 8,025 |
| Memoranda: | ||
| Average total assets | $117,325,000 | 4,723 |
| Average earning assets | $94,989,000 | 5,056 |
| Average equity | $8,766,000 | 5,788 |
| Average total loans | $90,046,000 | 4,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0721% | 964 |
| Cost of funding earning assets | 2.7396% | 2,977 |
| Net interest margin | 4.3325% | 1,880 |
| Noninterest income to average assets | 0.4444% | 5,079 |
| Noninterest expense to average assets | 4.2896% | 1,060 |
| Loan and lease loss provision to assets | 3.5175% | 224 |
| Net operating income to assets | -3.3826% | 7,890 |
| Return on assets (ROA) | -3.3685% | 7,873 |
| Pretax return on assets | -3.6775% | 7,842 |
| Return on Equity (ROE) | -37.0104% | 8,045 |
| Retained earnings to average equity (ytd only) | -39.0681% | 8,037 |
| Net charge-offs to loans | 1.9580% | 557 |
| Credit loss provision to net charge-offs | 226.1631% | 2,104 |
| Earnings coverage of net charge-offs (x) | -0.1128% | 6,324 |
| Efficiency ratio | 104.2624% | 861 |
| Assets per employee ($millions) | 3.5661% | 4,510 |
| Cash dividends to net income (ytd only)* | -5.5598% | 7,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2725% | 345 |
| Loan loss allowance to noncurrent loans | 32.3030% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 8.8225% | 238 |
| Noncurrent loans to loans | 10.1306% | 206 |
| Net loans and leases to total assets | 75.6695% | 2,714 |
| Net loans and leases to deposits | 90.7488% | 3,325 |
| Net loans and leases to core deposits | 110.0982% | 3,772 |
| Total domestic deposits to total assets | 83.3835% | 3,622 |
| Equity capital to assets | 7.3808% | 7,481 |
| Core capital (leverage) ratio | 7.1926% | 7,527 |
| Tier 1 risk-based capital ratio | 7.9896% | 8,086 |
| Total risk-based capital ratio | 9.2245% | 8,119 |
| Memoranda: | ||
| Average total assets | $117,471,200 | 4,581 |
| Average earning assets | $99,503,400 | 4,815 |
| Average equity | $10,691,600 | 5,217 |
| Average total loans | $93,311,400 | 4,125 |