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First State Bank, Performance and Condition Ratios
| 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 | 5.8481% | 2,674 |
| Cost of funding earning assets | 1.8548% | 4,124 |
| Net interest margin | 3.9933% | 2,851 |
| Noninterest income to average assets | 0.4099% | 5,214 |
| Noninterest expense to average assets | 2.5535% | 5,882 |
| Loan and lease loss provision to assets | 0.0605% | 6,761 |
| Net operating income to assets | 1.4206% | 980 |
| Return on assets (ROA) | 1.4313% | 1,025 |
| Pretax return on assets | 1.4963% | 1,426 |
| Return on Equity (ROE) | 14.6275% | 822 |
| Retained earnings to average equity (ytd only) | 6.0891% | 1,906 |
| Net charge-offs to loans | 0.0854% | 5,831 |
| Credit loss provision to net charge-offs | 117.3913% | 4,334 |
| Earnings coverage of net charge-offs (x) | 29.9961% | 935 |
| Efficiency ratio | 61.6940% | 6,168 |
| Assets per employee ($millions) | 3.6588% | 4,520 |
| Cash dividends to net income (ytd only)* | 58.3723% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,644 |
| Loan loss allowance to noncurrent loans | 136.5039% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,886 |
| Noncurrent loans to loans | 1.0694% | 5,175 |
| Net loans and leases to total assets | 57.6295% | 5,946 |
| Net loans and leases to deposits | 73.5901% | 5,428 |
| Net loans and leases to core deposits | 77.1441% | 6,549 |
| Total domestic deposits to total assets | 78.3115% | 5,997 |
| Equity capital to assets | 9.9744% | 4,122 |
| Core capital (leverage) ratio | 8.5287% | 5,435 |
| Tier 1 risk-based capital ratio | 11.9661% | 5,010 |
| Total risk-based capital ratio | 13.2171% | 4,940 |
| Memoranda: | ||
| Average total assets | $59,524,500 | 6,405 |
| Average earning assets | $54,990,500 | 6,379 |
| Average equity | $5,824,500 | 6,726 |
| Average total loans | $35,914,000 | 6,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9141% | 2,521 |
| Cost of funding earning assets | 1.9222% | 4,149 |
| Net interest margin | 3.9919% | 2,729 |
| Noninterest income to average assets | 0.3820% | 5,445 |
| Noninterest expense to average assets | 2.6026% | 5,730 |
| Loan and lease loss provision to assets | 0.0614% | 6,603 |
| Net operating income to assets | 1.3414% | 1,138 |
| Return on assets (ROA) | 1.3576% | 1,177 |
| Pretax return on assets | 1.4258% | 1,653 |
| Return on Equity (ROE) | 13.9698% | 996 |
| Retained earnings to average equity (ytd only) | 4.2822% | 2,921 |
| Net charge-offs to loans | -0.0391% | 7,815 |
| Credit loss provision to net charge-offs | -257.1429% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3166% | 6,040 |
| Assets per employee ($millions) | 3.5069% | 4,805 |
| Cash dividends to net income (ytd only)* | 69.3467% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 2,789 |
| Loan loss allowance to noncurrent loans | 125.1701% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 5,432 |
| Noncurrent loans to loans | 1.2692% | 4,660 |
| Net loans and leases to total assets | 57.3552% | 6,052 |
| Net loans and leases to deposits | 69.9264% | 5,996 |
| Net loans and leases to core deposits | 73.9810% | 6,794 |
| Total domestic deposits to total assets | 82.0222% | 4,690 |
| Equity capital to assets | 9.6481% | 4,428 |
| Core capital (leverage) ratio | 8.5130% | 5,424 |
| Tier 1 risk-based capital ratio | 12.2130% | 4,742 |
| Total risk-based capital ratio | 13.4638% | 4,655 |
| Memoranda: | ||
| Average total assets | $58,633,000 | 6,493 |
| Average earning assets | $54,209,330 | 6,458 |
| Average equity | $5,698,000 | 6,831 |
| Average total loans | $35,760,000 | 6,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0973% | 1,956 |
| Cost of funding earning assets | 1.9702% | 4,284 |
| Net interest margin | 4.1271% | 2,180 |
| Noninterest income to average assets | 0.3578% | 5,583 |
| Noninterest expense to average assets | 2.4905% | 5,873 |
| Loan and lease loss provision to assets | 0.0619% | 6,178 |
| Net operating income to assets | 1.5342% | 880 |
| Return on assets (ROA) | 1.5342% | 955 |
| Pretax return on assets | 1.6099% | 1,378 |
| Return on Equity (ROE) | 15.7291% | 865 |
| Retained earnings to average equity (ytd only) | 6.9829% | 2,214 |
| Net charge-offs to loans | -0.0772% | 7,819 |
| Credit loss provision to net charge-offs | -128.5714% | 6,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1736% | 6,528 |
| Assets per employee ($millions) | 3.3674% | 5,163 |
| Cash dividends to net income (ytd only)* | 55.6054% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 2,656 |
| Loan loss allowance to noncurrent loans | 111.9588% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 4,953 |
| Noncurrent loans to loans | 1.4006% | 4,214 |
| Net loans and leases to total assets | 59.5413% | 5,728 |
| Net loans and leases to deposits | 71.3150% | 5,828 |
| Net loans and leases to core deposits | 78.5912% | 6,493 |
| Total domestic deposits to total assets | 83.4905% | 3,920 |
| Equity capital to assets | 9.8278% | 4,210 |
| Core capital (leverage) ratio | 8.6790% | 5,187 |
| Tier 1 risk-based capital ratio | 12.3882% | 4,626 |
| Total risk-based capital ratio | 13.6387% | 4,551 |
| Memoranda: | ||
| Average total assets | $58,140,500 | 6,541 |
| Average earning assets | $53,597,500 | 6,521 |
| Average equity | $5,671,000 | 6,886 |
| Average total loans | $36,267,000 | 6,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4151% | 3,334 |
| Cost of funding earning assets | 2.3230% | 5,047 |
| Net interest margin | 4.0921% | 2,745 |
| Noninterest income to average assets | 0.4227% | 5,280 |
| Noninterest expense to average assets | 2.5553% | 5,811 |
| Loan and lease loss provision to assets | 0.0631% | 6,612 |
| Net operating income to assets | 1.4894% | 1,048 |
| Return on assets (ROA) | 1.4978% | 983 |
| Pretax return on assets | 1.5697% | 1,480 |
| Return on Equity (ROE) | 15.0437% | 916 |
| Retained earnings to average equity (ytd only) | -8.7021% | 6,943 |
| Net charge-offs to loans | 0.1038% | 5,271 |
| Credit loss provision to net charge-offs | 92.3077% | 5,622 |
| Earnings coverage of net charge-offs (x) | 23.7436% | 1,405 |
| Efficiency ratio | 60.5120% | 6,255 |
| Assets per employee ($millions) | 3.4726% | 4,744 |
| Cash dividends to net income (ytd only)* | 157.8454% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 3,253 |
| Loan loss allowance to noncurrent loans | 104.1502% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 4,585 |
| Noncurrent loans to loans | 1.3349% | 3,847 |
| Net loans and leases to total assets | 63.3167% | 5,399 |
| Net loans and leases to deposits | 79.5095% | 5,131 |
| Net loans and leases to core deposits | 87.4588% | 6,027 |
| Total domestic deposits to total assets | 79.6341% | 5,155 |
| Equity capital to assets | 9.6824% | 4,449 |
| Core capital (leverage) ratio | 8.5267% | 5,524 |
| Tier 1 risk-based capital ratio | 11.2322% | 5,507 |
| Total risk-based capital ratio | 12.4649% | 5,406 |
| Memoranda: | ||
| Average total assets | $57,018,200 | 6,487 |
| Average earning assets | $52,345,000 | 6,491 |
| Average equity | $5,676,800 | 6,924 |
| Average total loans | $37,567,200 | 6,286 |