Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 7,640 |
| Cost of funding earning assets | 1.0962% | 5,691 |
| Net interest margin | 2.3021% | 7,534 |
| Noninterest income to average assets | 0.6226% | 3,173 |
| Noninterest expense to average assets | 2.5166% | 5,659 |
| Loan and lease loss provision to assets | 0.0038% | 6,843 |
| Net operating income to assets | 0.1698% | 5,665 |
| Return on assets (ROA) | 0.1736% | 5,776 |
| Pretax return on assets | 0.1660% | 5,853 |
| Return on Equity (ROE) | 1.2149% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.2149% | 5,264 |
| Net charge-offs to loans | -0.0577% | 7,467 |
| Credit loss provision to net charge-offs | -25.0000% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2799% | 1,237 |
| Assets per employee ($millions) | 5.3363% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,765 |
| Loan loss allowance to noncurrent loans | 117.4242% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,784 |
| Noncurrent loans to loans | 0.9671% | 5,370 |
| Net loans and leases to total assets | 25.2872% | 7,620 |
| Net loans and leases to deposits | 30.4419% | 7,634 |
| Net loans and leases to core deposits | 30.4419% | 7,651 |
| Total domestic deposits to total assets | 83.0669% | 4,544 |
| Equity capital to assets | 14.4220% | 1,034 |
| Core capital (leverage) ratio | 9.0030% | 4,593 |
| Tier 1 risk-based capital ratio | 23.9628% | 949 |
| Total risk-based capital ratio | 24.7958% | 971 |
| Memoranda: | ||
| Average total assets | $53,007,670 | 6,549 |
| Average earning assets | $47,435,670 | 6,574 |
| Average equity | $7,572,330 | 5,935 |
| Average total loans | $13,875,670 | 7,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3944% | 7,735 |
| Cost of funding earning assets | 1.1286% | 5,762 |
| Net interest margin | 2.2657% | 7,616 |
| Noninterest income to average assets | 0.6284% | 3,096 |
| Noninterest expense to average assets | 2.5213% | 5,652 |
| Loan and lease loss provision to assets | 0.0076% | 6,520 |
| Net operating income to assets | 0.0984% | 6,025 |
| Return on assets (ROA) | 0.0984% | 6,129 |
| Pretax return on assets | 0.1211% | 6,084 |
| Return on Equity (ROE) | 0.6924% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.6924% | 5,546 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5714% | 1,240 |
| Assets per employee ($millions) | 4.9837% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 6,183 |
| Loan loss allowance to noncurrent loans | 206.8493% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 7,149 |
| Noncurrent loans to loans | 0.5126% | 6,267 |
| Net loans and leases to total assets | 25.7018% | 7,707 |
| Net loans and leases to deposits | 30.8545% | 7,717 |
| Net loans and leases to core deposits | 30.8545% | 7,734 |
| Total domestic deposits to total assets | 83.3002% | 4,475 |
| Equity capital to assets | 13.7393% | 1,231 |
| Core capital (leverage) ratio | 9.0211% | 4,524 |
| Tier 1 risk-based capital ratio | 22.8222% | 1,103 |
| Total risk-based capital ratio | 23.6024% | 1,135 |
| Memoranda: | ||
| Average total assets | $52,830,000 | 6,639 |
| Average earning assets | $47,137,000 | 6,660 |
| Average equity | $7,510,500 | 6,010 |
| Average total loans | $13,989,000 | 7,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 7,757 |
| Cost of funding earning assets | 1.3365% | 6,188 |
| Net interest margin | 2.4875% | 7,442 |
| Noninterest income to average assets | 0.7411% | 2,736 |
| Noninterest expense to average assets | 2.8472% | 4,760 |
| Loan and lease loss provision to assets | -0.0536% | 7,975 |
| Net operating income to assets | 0.1416% | 5,079 |
| Return on assets (ROA) | -0.1152% | 5,705 |
| Pretax return on assets | -0.2424% | 5,756 |
| Return on Equity (ROE) | -0.7813% | 5,667 |
| Retained earnings to average equity (ytd only) | -0.7813% | 5,196 |
| Net charge-offs to loans | -0.0270% | 7,807 |
| Credit loss provision to net charge-offs | 675.0000% | 432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2032% | 1,471 |
| Assets per employee ($millions) | 4.6217% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,936 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 7,110 |
| Noncurrent loans to loans | 0.5460% | 6,150 |
| Net loans and leases to total assets | 26.7255% | 7,775 |
| Net loans and leases to deposits | 32.2609% | 7,781 |
| Net loans and leases to core deposits | 38.5556% | 7,782 |
| Total domestic deposits to total assets | 82.8419% | 4,588 |
| Equity capital to assets | 14.7308% | 968 |
| Core capital (leverage) ratio | 9.3276% | 3,934 |
| Tier 1 risk-based capital ratio | 23.9171% | 956 |
| Total risk-based capital ratio | 24.7333% | 971 |
| Memoranda: | ||
| Average total assets | $50,330,800 | 6,692 |
| Average earning assets | $44,744,000 | 6,731 |
| Average equity | $7,423,600 | 6,116 |
| Average total loans | $14,793,000 | 7,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 7,835 |
| Cost of funding earning assets | 1.3726% | 6,324 |
| Net interest margin | 2.5304% | 7,428 |
| Noninterest income to average assets | 0.7463% | 2,728 |
| Noninterest expense to average assets | 2.8921% | 4,488 |
| Loan and lease loss provision to assets | -0.0717% | 8,060 |
| Net operating income to assets | 0.1589% | 5,290 |
| Return on assets (ROA) | -0.2337% | 6,123 |
| Pretax return on assets | -0.4355% | 6,236 |
| Return on Equity (ROE) | -1.5840% | 6,035 |
| Retained earnings to average equity (ytd only) | -1.5840% | 5,631 |
| Net charge-offs to loans | -0.0620% | 7,881 |
| Credit loss provision to net charge-offs | 385.7143% | 1,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2684% | 1,451 |
| Assets per employee ($millions) | 4.5772% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,015 |
| Loan loss allowance to noncurrent loans | 221.7391% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 7,203 |
| Noncurrent loans to loans | 0.4729% | 6,375 |
| Net loans and leases to total assets | 28.6778% | 7,833 |
| Net loans and leases to deposits | 34.5952% | 7,851 |
| Net loans and leases to core deposits | 41.2673% | 7,838 |
| Total domestic deposits to total assets | 82.8954% | 4,273 |
| Equity capital to assets | 14.8762% | 1,040 |
| Core capital (leverage) ratio | 9.2260% | 4,299 |
| Tier 1 risk-based capital ratio | 22.6306% | 1,156 |
| Total risk-based capital ratio | 23.4260% | 1,182 |
| Memoranda: | ||
| Average total assets | $50,203,750 | 6,750 |
| Average earning assets | $44,683,000 | 6,789 |
| Average equity | $7,407,250 | 6,184 |
| Average total loans | $15,057,000 | 7,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 7,937 |
| Cost of funding earning assets | 1.4085% | 6,448 |
| Net interest margin | 2.5075% | 7,469 |
| Noninterest income to average assets | 0.7178% | 2,883 |
| Noninterest expense to average assets | 2.9429% | 4,321 |
| Loan and lease loss provision to assets | -0.1117% | 8,165 |
| Net operating income to assets | 0.0957% | 5,579 |
| Return on assets (ROA) | 0.0957% | 5,675 |
| Pretax return on assets | 0.1156% | 5,642 |
| Return on Equity (ROE) | 0.6504% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.6504% | 4,928 |
| Net charge-offs to loans | -0.0920% | 7,940 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6171% | 1,339 |
| Assets per employee ($millions) | 4.5848% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 6,000 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 7,207 |
| Noncurrent loans to loans | 0.4892% | 6,301 |
| Net loans and leases to total assets | 28.8799% | 7,913 |
| Net loans and leases to deposits | 35.0095% | 7,917 |
| Net loans and leases to core deposits | 40.4797% | 7,928 |
| Total domestic deposits to total assets | 82.4916% | 4,485 |
| Equity capital to assets | 14.6333% | 1,128 |
| Core capital (leverage) ratio | 9.3266% | 4,133 |
| Tier 1 risk-based capital ratio | 22.5983% | 1,178 |
| Total risk-based capital ratio | 23.3697% | 1,206 |
| Memoranda: | ||
| Average total assets | $50,155,330 | 6,821 |
| Average earning assets | $44,586,670 | 6,857 |
| Average equity | $7,379,670 | 6,234 |
| Average total loans | $15,212,000 | 7,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 8,010 |
| Cost of funding earning assets | 1.4599% | 6,542 |
| Net interest margin | 2.4602% | 7,547 |
| Noninterest income to average assets | 0.6798% | 3,003 |
| Noninterest expense to average assets | 2.8071% | 4,529 |
| Loan and lease loss provision to assets | -0.0800% | 8,200 |
| Net operating income to assets | 0.1200% | 5,921 |
| Return on assets (ROA) | 0.1200% | 6,087 |
| Pretax return on assets | 0.1360% | 6,088 |
| Return on Equity (ROE) | 0.8131% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.8131% | 5,336 |
| Net charge-offs to loans | -0.3622% | 8,087 |
| Credit loss provision to net charge-offs | 71.4286% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6927% | 1,396 |
| Assets per employee ($millions) | 5.1751% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,079 |
| Loan loss allowance to noncurrent loans | 165.4206% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,903 |
| Noncurrent loans to loans | 0.6988% | 5,666 |
| Net loans and leases to total assets | 29.2439% | 7,931 |
| Net loans and leases to deposits | 35.0446% | 7,961 |
| Net loans and leases to core deposits | 40.7321% | 7,967 |
| Total domestic deposits to total assets | 83.4477% | 3,932 |
| Equity capital to assets | 14.2065% | 1,306 |
| Core capital (leverage) ratio | 9.4022% | 4,103 |
| Tier 1 risk-based capital ratio | 23.1134% | 1,180 |
| Total risk-based capital ratio | 24.0365% | 1,191 |
| Memoranda: | ||
| Average total assets | $50,016,500 | 6,865 |
| Average earning assets | $44,386,000 | 6,908 |
| Average equity | $7,379,500 | 6,265 |
| Average total loans | $15,459,500 | 7,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 7,829 |
| Cost of funding earning assets | 1.7324% | 7,178 |
| Net interest margin | 3.2778% | 6,112 |
| Noninterest income to average assets | 0.7722% | 2,656 |
| Noninterest expense to average assets | 3.5183% | 2,347 |
| Loan and lease loss provision to assets | -0.2602% | 8,277 |
| Net operating income to assets | 0.2640% | 5,667 |
| Return on assets (ROA) | 0.2793% | 5,428 |
| Pretax return on assets | 0.3893% | 5,288 |
| Return on Equity (ROE) | 1.8341% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.8341% | 4,089 |
| Net charge-offs to loans | 0.0176% | 6,624 |
| Credit loss provision to net charge-offs | -4,100.0000% | 7,514 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,800 |
| Efficiency ratio | 93.2905% | 1,313 |
| Assets per employee ($millions) | 4.0235% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,213 |
| Loan loss allowance to noncurrent loans | 157.2727% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,664 |
| Noncurrent loans to loans | 0.7048% | 5,272 |
| Net loans and leases to total assets | 31.9684% | 7,945 |
| Net loans and leases to deposits | 39.1433% | 7,955 |
| Net loans and leases to core deposits | 44.9227% | 7,985 |
| Total domestic deposits to total assets | 81.6702% | 4,331 |
| Equity capital to assets | 15.3411% | 1,077 |
| Core capital (leverage) ratio | 9.7487% | 3,713 |
| Tier 1 risk-based capital ratio | 23.0753% | 1,182 |
| Total risk-based capital ratio | 23.9964% | 1,193 |
| Memoranda: | ||
| Average total assets | $47,267,600 | 6,890 |
| Average earning assets | $41,156,000 | 6,986 |
| Average equity | $7,196,800 | 6,385 |
| Average total loans | $17,064,200 | 7,518 |