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First State Bank, Performance and Condition Ratios
| 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 | 6.5110% | 2,905 |
| Cost of funding earning assets | 2.8209% | 2,622 |
| Net interest margin | 3.6902% | 4,514 |
| Noninterest income to average assets | 3.3632% | 170 |
| Noninterest expense to average assets | 3.2054% | 3,320 |
| Loan and lease loss provision to assets | 2.0437% | 579 |
| Net operating income to assets | 0.8921% | 3,035 |
| Return on assets (ROA) | 0.9968% | 2,452 |
| Pretax return on assets | 1.3625% | 2,082 |
| Return on Equity (ROE) | 5.6935% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.6935% | 1,669 |
| Net charge-offs to loans | 3.5628% | 218 |
| Credit loss provision to net charge-offs | 116.8033% | 4,618 |
| Earnings coverage of net charge-offs (x) | 1.8648% | 5,137 |
| Efficiency ratio | 49.5565% | 7,690 |
| Assets per employee ($millions) | 2.8347% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 1,511 |
| Loan loss allowance to noncurrent loans | 26.6881% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 3.2914% | 1,373 |
| Noncurrent loans to loans | 6.9580% | 441 |
| Net loans and leases to total assets | 46.4247% | 7,288 |
| Net loans and leases to deposits | 85.1339% | 4,236 |
| Net loans and leases to core deposits | 116.9154% | 3,013 |
| Total domestic deposits to total assets | 54.5313% | 8,081 |
| Equity capital to assets | 17.7585% | 680 |
| Core capital (leverage) ratio | 11.4682% | 2,274 |
| Tier 1 risk-based capital ratio | 18.1069% | 2,014 |
| Total risk-based capital ratio | 19.3616% | 1,962 |
| Memoranda: | ||
| Average total assets | $27,890,000 | 7,734 |
| Average earning assets | $23,467,800 | 7,805 |
| Average equity | $4,882,800 | 7,183 |
| Average total loans | $13,697,000 | 7,723 |