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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 | 5.6384% | 3,646 |
| Cost of funding earning assets | 1.7270% | 4,761 |
| Net interest margin | 3.9114% | 3,195 |
| Noninterest income to average assets | 0.4224% | 5,116 |
| Noninterest expense to average assets | 2.3700% | 6,507 |
| Loan and lease loss provision to assets | 0.4783% | 3,516 |
| Net operating income to assets | 1.1127% | 1,699 |
| Return on assets (ROA) | 1.1127% | 1,758 |
| Pretax return on assets | 1.1587% | 2,383 |
| Return on Equity (ROE) | 10.0825% | 1,884 |
| Retained earnings to average equity (ytd only) | 3.5148% | 3,326 |
| Net charge-offs to loans | 0.6558% | 2,716 |
| Credit loss provision to net charge-offs | 115.4762% | 4,398 |
| Earnings coverage of net charge-offs (x) | 3.9524% | 3,323 |
| Efficiency ratio | 58.1214% | 6,705 |
| Assets per employee ($millions) | 4.1106% | 3,542 |
| Cash dividends to net income (ytd only)* | 65.1411% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,931 |
| Loan loss allowance to noncurrent loans | 70.4497% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 4,869 |
| Noncurrent loans to loans | 1.7525% | 3,989 |
| Net loans and leases to total assets | 60.9763% | 5,431 |
| Net loans and leases to deposits | 72.3260% | 5,595 |
| Net loans and leases to core deposits | 74.9886% | 6,667 |
| Total domestic deposits to total assets | 84.3076% | 3,575 |
| Equity capital to assets | 10.6392% | 3,359 |
| Core capital (leverage) ratio | 7.4819% | 7,001 |
| Tier 1 risk-based capital ratio | 11.3299% | 5,612 |
| Total risk-based capital ratio | 12.5410% | 5,588 |
| Memoranda: | ||
| Average total assets | $81,124,000 | 5,727 |
| Average earning assets | $74,345,750 | 5,704 |
| Average equity | $8,952,500 | 5,671 |
| Average total loans | $51,232,250 | 5,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7644% | 3,223 |
| Cost of funding earning assets | 1.7290% | 5,132 |
| Net interest margin | 4.0354% | 2,554 |
| Noninterest income to average assets | 0.4434% | 4,905 |
| Noninterest expense to average assets | 2.5620% | 5,893 |
| Loan and lease loss provision to assets | 0.5038% | 3,016 |
| Net operating income to assets | 1.0203% | 2,036 |
| Return on assets (ROA) | 1.0203% | 2,124 |
| Pretax return on assets | 1.0581% | 2,783 |
| Return on Equity (ROE) | 9.1264% | 2,315 |
| Retained earnings to average equity (ytd only) | 1.7351% | 4,377 |
| Net charge-offs to loans | 0.2137% | 4,171 |
| Credit loss provision to net charge-offs | 370.3704% | 1,252 |
| Earnings coverage of net charge-offs (x) | 11.4815% | 1,900 |
| Efficiency ratio | 61.0874% | 6,385 |
| Assets per employee ($millions) | 3.7360% | 4,241 |
| Cash dividends to net income (ytd only)* | 80.9877% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,361 |
| Loan loss allowance to noncurrent loans | 88.7471% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 4,818 |
| Noncurrent loans to loans | 1.6542% | 4,013 |
| Net loans and leases to total assets | 62.4688% | 5,273 |
| Net loans and leases to deposits | 74.5362% | 5,372 |
| Net loans and leases to core deposits | 77.5019% | 6,576 |
| Total domestic deposits to total assets | 83.8101% | 3,866 |
| Equity capital to assets | 10.8854% | 3,032 |
| Core capital (leverage) ratio | 7.6642% | 6,808 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,591 |
| Total risk-based capital ratio | 12.5566% | 5,487 |
| Memoranda: | ||
| Average total assets | $79,391,330 | 5,820 |
| Average earning assets | $72,410,000 | 5,814 |
| Average equity | $8,875,330 | 5,730 |
| Average total loans | $50,545,000 | 5,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 2,495 |
| Cost of funding earning assets | 1.7381% | 5,434 |
| Net interest margin | 4.2291% | 1,807 |
| Noninterest income to average assets | 0.4565% | 4,709 |
| Noninterest expense to average assets | 2.5849% | 5,518 |
| Loan and lease loss provision to assets | 0.0769% | 5,994 |
| Net operating income to assets | 1.5643% | 835 |
| Return on assets (ROA) | 1.5643% | 913 |
| Pretax return on assets | 1.6258% | 1,347 |
| Return on Equity (ROE) | 13.8017% | 1,204 |
| Retained earnings to average equity (ytd only) | 7.1497% | 2,157 |
| Net charge-offs to loans | 0.1045% | 4,131 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 25.5385% | 1,203 |
| Efficiency ratio | 59.2105% | 6,525 |
| Assets per employee ($millions) | 3.5247% | 4,758 |
| Cash dividends to net income (ytd only)* | 48.1967% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,615 |
| Loan loss allowance to noncurrent loans | 61.8905% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 3,671 |
| Noncurrent loans to loans | 1.9810% | 3,287 |
| Net loans and leases to total assets | 64.6201% | 4,883 |
| Net loans and leases to deposits | 77.9131% | 4,935 |
| Net loans and leases to core deposits | 80.8601% | 6,318 |
| Total domestic deposits to total assets | 82.9387% | 4,175 |
| Equity capital to assets | 11.5238% | 2,574 |
| Core capital (leverage) ratio | 8.0206% | 6,412 |
| Tier 1 risk-based capital ratio | 11.6713% | 5,232 |
| Total risk-based capital ratio | 12.8690% | 5,192 |
| Memoranda: | ||
| Average total assets | $77,990,500 | 5,887 |
| Average earning assets | $70,652,500 | 5,892 |
| Average equity | $8,839,500 | 5,759 |
| Average total loans | $49,762,500 | 5,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2244% | 4,393 |
| Cost of funding earning assets | 2.1849% | 5,662 |
| Net interest margin | 4.0395% | 2,941 |
| Noninterest income to average assets | 0.5017% | 4,604 |
| Noninterest expense to average assets | 2.7956% | 4,835 |
| Loan and lease loss provision to assets | 0.0832% | 6,350 |
| Net operating income to assets | 1.2446% | 1,642 |
| Return on assets (ROA) | 1.2446% | 1,584 |
| Pretax return on assets | 1.3028% | 2,300 |
| Return on Equity (ROE) | 11.8367% | 1,645 |
| Retained earnings to average equity (ytd only) | 5.5756% | 1,726 |
| Net charge-offs to loans | 0.0811% | 5,607 |
| Credit loss provision to net charge-offs | 157.8947% | 3,290 |
| Earnings coverage of net charge-offs (x) | 26.3158% | 1,294 |
| Efficiency ratio | 65.8601% | 5,152 |
| Assets per employee ($millions) | 3.4103% | 4,915 |
| Cash dividends to net income (ytd only)* | 52.8953% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,999 |
| Loan loss allowance to noncurrent loans | 76.0442% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 3,766 |
| Noncurrent loans to loans | 1.6682% | 3,266 |
| Net loans and leases to total assets | 61.4187% | 5,708 |
| Net loans and leases to deposits | 74.3040% | 5,811 |
| Net loans and leases to core deposits | 76.7619% | 6,815 |
| Total domestic deposits to total assets | 82.6587% | 3,918 |
| Equity capital to assets | 11.1465% | 2,928 |
| Core capital (leverage) ratio | 7.8272% | 6,762 |
| Tier 1 risk-based capital ratio | 11.4715% | 5,265 |
| Total risk-based capital ratio | 12.6761% | 5,212 |
| Memoranda: | ||
| Average total assets | $72,149,600 | 5,958 |
| Average earning assets | $65,725,200 | 5,971 |
| Average equity | $7,586,600 | 6,241 |
| Average total loans | $46,844,600 | 5,830 |