Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 1,296 |
| Cost of funding earning assets | 0.8806% | 6,472 |
| Net interest margin | 4.9541% | 481 |
| Noninterest income to average assets | 1.0553% | 1,290 |
| Noninterest expense to average assets | 3.6852% | 1,599 |
| Loan and lease loss provision to assets | 0.1678% | 5,366 |
| Net operating income to assets | 1.0982% | 1,889 |
| Return on assets (ROA) | 1.0982% | 1,999 |
| Pretax return on assets | 1.7442% | 1,026 |
| Return on Equity (ROE) | 9.8738% | 2,171 |
| Retained earnings to average equity (ytd only) | 7.6107% | 1,555 |
| Net charge-offs to loans | 0.2542% | 4,419 |
| Credit loss provision to net charge-offs | 90.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | 10.2550% | 1,907 |
| Efficiency ratio | 64.8235% | 5,086 |
| Assets per employee ($millions) | 3.0018% | 6,146 |
| Cash dividends to net income (ytd only)* | 22.9201% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,677 |
| Loan loss allowance to noncurrent loans | 133.8298% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 5,242 |
| Noncurrent loans to loans | 0.8648% | 5,495 |
| Net loans and leases to total assets | 76.1481% | 1,382 |
| Net loans and leases to deposits | 92.1514% | 1,426 |
| Net loans and leases to core deposits | 98.6638% | 1,973 |
| Total domestic deposits to total assets | 82.6336% | 4,738 |
| Equity capital to assets | 11.5875% | 2,465 |
| Core capital (leverage) ratio | 10.8100% | 2,406 |
| Tier 1 risk-based capital ratio | 14.5779% | 3,469 |
| Total risk-based capital ratio | 15.7707% | 3,470 |
| Memoranda: | ||
| Average total assets | $143,020,500 | 4,055 |
| Average earning assets | $131,121,750 | 4,043 |
| Average equity | $15,907,000 | 3,827 |
| Average total loans | $104,899,000 | 3,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7869% | 1,454 |
| Cost of funding earning assets | 0.9054% | 6,557 |
| Net interest margin | 4.8815% | 557 |
| Noninterest income to average assets | 1.0524% | 1,211 |
| Noninterest expense to average assets | 3.6084% | 1,758 |
| Loan and lease loss provision to assets | 0.1671% | 5,210 |
| Net operating income to assets | 1.0956% | 1,872 |
| Return on assets (ROA) | 1.0956% | 1,941 |
| Pretax return on assets | 1.7429% | 976 |
| Return on Equity (ROE) | 9.9873% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.5609% | 2,046 |
| Net charge-offs to loans | 0.3570% | 3,566 |
| Credit loss provision to net charge-offs | 64.8649% | 5,098 |
| Earnings coverage of net charge-offs (x) | 7.4162% | 2,299 |
| Efficiency ratio | 64.3794% | 5,263 |
| Assets per employee ($millions) | 3.0917% | 5,937 |
| Cash dividends to net income (ytd only)* | 34.3075% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,722 |
| Loan loss allowance to noncurrent loans | 110.0726% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 4,613 |
| Noncurrent loans to loans | 1.0389% | 5,231 |
| Net loans and leases to total assets | 73.7319% | 1,972 |
| Net loans and leases to deposits | 87.2408% | 2,297 |
| Net loans and leases to core deposits | 93.1824% | 2,824 |
| Total domestic deposits to total assets | 84.5153% | 3,860 |
| Equity capital to assets | 11.2166% | 2,676 |
| Core capital (leverage) ratio | 10.4545% | 2,662 |
| Tier 1 risk-based capital ratio | 13.9747% | 3,748 |
| Total risk-based capital ratio | 15.1075% | 3,798 |
| Memoranda: | ||
| Average total assets | $143,666,330 | 4,063 |
| Average earning assets | $131,434,670 | 4,066 |
| Average equity | $15,760,000 | 3,843 |
| Average total loans | $103,635,330 | 3,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 1,622 |
| Cost of funding earning assets | 0.9357% | 6,634 |
| Net interest margin | 4.8121% | 627 |
| Noninterest income to average assets | 1.0610% | 1,128 |
| Noninterest expense to average assets | 3.4434% | 2,122 |
| Loan and lease loss provision to assets | 0.1662% | 4,865 |
| Net operating income to assets | 1.1607% | 1,647 |
| Return on assets (ROA) | 1.1607% | 1,724 |
| Pretax return on assets | 1.8395% | 824 |
| Return on Equity (ROE) | 10.6997% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.6997% | 987 |
| Net charge-offs to loans | 0.1758% | 3,865 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 16.0889% | 1,349 |
| Efficiency ratio | 62.1759% | 5,799 |
| Assets per employee ($millions) | 3.1063% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,237 |
| Loan loss allowance to noncurrent loans | 92.2912% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5529% | 4,171 |
| Noncurrent loans to loans | 1.3507% | 4,722 |
| Net loans and leases to total assets | 71.6859% | 2,525 |
| Net loans and leases to deposits | 82.3594% | 3,224 |
| Net loans and leases to core deposits | 89.7291% | 3,401 |
| Total domestic deposits to total assets | 87.0404% | 2,611 |
| Equity capital to assets | 11.1120% | 2,666 |
| Core capital (leverage) ratio | 10.2989% | 2,810 |
| Tier 1 risk-based capital ratio | 14.1720% | 3,547 |
| Total risk-based capital ratio | 15.4063% | 3,530 |
| Memoranda: | ||
| Average total assets | $144,390,500 | 4,122 |
| Average earning assets | $131,667,500 | 4,120 |
| Average equity | $15,664,000 | 3,889 |
| Average total loans | $102,416,500 | 3,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7597% | 2,823 |
| Cost of funding earning assets | 1.2376% | 6,516 |
| Net interest margin | 4.5221% | 1,131 |
| Noninterest income to average assets | 1.0807% | 1,323 |
| Noninterest expense to average assets | 3.4852% | 2,407 |
| Loan and lease loss provision to assets | 1.0465% | 2,190 |
| Net operating income to assets | 0.4338% | 3,992 |
| Return on assets (ROA) | 0.4338% | 4,108 |
| Pretax return on assets | 0.6899% | 3,605 |
| Return on Equity (ROE) | 4.0754% | 4,054 |
| Retained earnings to average equity (ytd only) | 1.3927% | 4,085 |
| Net charge-offs to loans | 1.2389% | 1,992 |
| Credit loss provision to net charge-offs | 129.2827% | 3,976 |
| Earnings coverage of net charge-offs (x) | 2.1451% | 4,116 |
| Efficiency ratio | 65.6855% | 5,456 |
| Assets per employee ($millions) | 3.1715% | 5,787 |
| Cash dividends to net income (ytd only)* | 65.8268% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,968 |
| Loan loss allowance to noncurrent loans | 83.0409% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 4,373 |
| Noncurrent loans to loans | 1.5221% | 4,367 |
| Net loans and leases to total assets | 68.4278% | 3,603 |
| Net loans and leases to deposits | 78.2024% | 4,330 |
| Net loans and leases to core deposits | 96.7092% | 4,383 |
| Total domestic deposits to total assets | 87.5009% | 2,219 |
| Equity capital to assets | 10.5901% | 3,080 |
| Core capital (leverage) ratio | 10.1981% | 2,887 |
| Tier 1 risk-based capital ratio | 14.1346% | 3,413 |
| Total risk-based capital ratio | 15.3885% | 3,372 |
| Memoranda: | ||
| Average total assets | $146,391,600 | 4,008 |
| Average earning assets | $134,052,600 | 4,009 |
| Average equity | $15,581,400 | 3,948 |
| Average total loans | $95,647,800 | 4,071 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 3,104 |
| Cost of funding earning assets | 1.2986% | 6,565 |
| Net interest margin | 4.4503% | 1,315 |
| Noninterest income to average assets | 1.0165% | 1,539 |
| Noninterest expense to average assets | 3.4625% | 2,382 |
| Loan and lease loss provision to assets | 0.5187% | 3,310 |
| Net operating income to assets | 0.7028% | 3,196 |
| Return on assets (ROA) | 0.7016% | 3,259 |
| Pretax return on assets | 1.1157% | 2,515 |
| Return on Equity (ROE) | 6.5835% | 3,268 |
| Retained earnings to average equity (ytd only) | 4.4488% | 2,786 |
| Net charge-offs to loans | 0.2588% | 4,434 |
| Credit loss provision to net charge-offs | 311.4754% | 1,327 |
| Earnings coverage of net charge-offs (x) | 9.8253% | 2,054 |
| Efficiency ratio | 66.8392% | 5,220 |
| Assets per employee ($millions) | 2.9995% | 6,159 |
| Cash dividends to net income (ytd only)* | 32.4260% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,299 |
| Loan loss allowance to noncurrent loans | 82.1184% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.5293% | 4,071 |
| Noncurrent loans to loans | 1.6231% | 4,210 |
| Net loans and leases to total assets | 70.7130% | 3,334 |
| Net loans and leases to deposits | 81.9195% | 4,037 |
| Net loans and leases to core deposits | 101.9786% | 4,159 |
| Total domestic deposits to total assets | 86.3201% | 2,528 |
| Equity capital to assets | 11.4476% | 2,636 |
| Core capital (leverage) ratio | 10.4130% | 2,863 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,143 |
| Total risk-based capital ratio | 16.0409% | 3,082 |
| Memoranda: | ||
| Average total assets | $146,516,750 | 4,030 |
| Average earning assets | $134,398,250 | 4,032 |
| Average equity | $15,614,250 | 3,982 |
| Average total loans | $94,282,750 | 4,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 3,200 |
| Cost of funding earning assets | 1.3226% | 6,726 |
| Net interest margin | 4.4457% | 1,301 |
| Noninterest income to average assets | 1.0123% | 1,554 |
| Noninterest expense to average assets | 3.3743% | 2,706 |
| Loan and lease loss provision to assets | 0.3749% | 3,680 |
| Net operating income to assets | 0.8663% | 2,585 |
| Return on assets (ROA) | 0.8663% | 2,689 |
| Pretax return on assets | 1.3497% | 1,874 |
| Return on Equity (ROE) | 8.3194% | 2,645 |
| Retained earnings to average equity (ytd only) | 5.1048% | 2,454 |
| Net charge-offs to loans | 0.1747% | 4,488 |
| Credit loss provision to net charge-offs | 345.6790% | 1,340 |
| Earnings coverage of net charge-offs (x) | 15.9012% | 1,567 |
| Efficiency ratio | 65.1261% | 5,691 |
| Assets per employee ($millions) | 3.1914% | 5,604 |
| Cash dividends to net income (ytd only)* | 38.6399% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,010 |
| Loan loss allowance to noncurrent loans | 98.0903% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,743 |
| Noncurrent loans to loans | 1.2145% | 4,785 |
| Net loans and leases to total assets | 63.8425% | 5,019 |
| Net loans and leases to deposits | 73.1533% | 5,586 |
| Net loans and leases to core deposits | 90.8989% | 5,463 |
| Total domestic deposits to total assets | 87.2722% | 2,111 |
| Equity capital to assets | 10.6427% | 3,260 |
| Core capital (leverage) ratio | 9.8854% | 3,411 |
| Tier 1 risk-based capital ratio | 14.7686% | 3,117 |
| Total risk-based capital ratio | 15.9158% | 3,104 |
| Memoranda: | ||
| Average total assets | $149,363,670 | 4,005 |
| Average earning assets | $137,300,670 | 4,001 |
| Average equity | $15,554,000 | 4,010 |
| Average total loans | $92,748,670 | 4,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7517% | 3,520 |
| Cost of funding earning assets | 1.3651% | 6,833 |
| Net interest margin | 4.3866% | 1,382 |
| Noninterest income to average assets | 1.0010% | 1,482 |
| Noninterest expense to average assets | 3.1598% | 3,151 |
| Loan and lease loss provision to assets | 0.1859% | 4,583 |
| Net operating income to assets | 1.1019% | 1,956 |
| Return on assets (ROA) | 1.1019% | 2,081 |
| Pretax return on assets | 1.6914% | 1,196 |
| Return on Equity (ROE) | 10.6966% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.6966% | 1,036 |
| Net charge-offs to loans | 0.2617% | 3,090 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 11.7833% | 1,851 |
| Efficiency ratio | 61.6763% | 6,111 |
| Assets per employee ($millions) | 3.2393% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,010 |
| Loan loss allowance to noncurrent loans | 66.1744% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 4,036 |
| Noncurrent loans to loans | 1.5456% | 3,959 |
| Net loans and leases to total assets | 61.1131% | 5,485 |
| Net loans and leases to deposits | 69.8998% | 5,988 |
| Net loans and leases to core deposits | 87.6813% | 5,770 |
| Total domestic deposits to total assets | 87.4296% | 2,006 |
| Equity capital to assets | 10.5531% | 3,409 |
| Core capital (leverage) ratio | 9.6233% | 3,848 |
| Tier 1 risk-based capital ratio | 14.7057% | 3,200 |
| Total risk-based capital ratio | 15.6571% | 3,286 |
| Memoranda: | ||
| Average total assets | $150,643,000 | 3,999 |
| Average earning assets | $138,602,500 | 3,984 |
| Average equity | $15,519,000 | 4,036 |
| Average total loans | $91,696,000 | 4,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5933% | 2,518 |
| Cost of funding earning assets | 1.7791% | 7,061 |
| Net interest margin | 4.8142% | 761 |
| Noninterest income to average assets | 1.0940% | 1,316 |
| Noninterest expense to average assets | 3.2338% | 3,212 |
| Loan and lease loss provision to assets | 0.1624% | 5,302 |
| Net operating income to assets | 1.3788% | 1,280 |
| Return on assets (ROA) | 1.3788% | 1,234 |
| Pretax return on assets | 2.0927% | 491 |
| Return on Equity (ROE) | 13.3406% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.6268% | 1,285 |
| Net charge-offs to loans | 0.2674% | 3,618 |
| Credit loss provision to net charge-offs | 95.9184% | 5,512 |
| Earnings coverage of net charge-offs (x) | 13.3184% | 2,141 |
| Efficiency ratio | 57.8947% | 6,718 |
| Assets per employee ($millions) | 3.3104% | 5,191 |
| Cash dividends to net income (ytd only)* | 50.3258% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 5,862 |
| Loan loss allowance to noncurrent loans | 93.9455% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 4,308 |
| Noncurrent loans to loans | 1.0844% | 4,397 |
| Net loans and leases to total assets | 59.4023% | 5,994 |
| Net loans and leases to deposits | 67.5433% | 6,502 |
| Net loans and leases to core deposits | 83.5590% | 6,341 |
| Total domestic deposits to total assets | 87.9470% | 1,491 |
| Equity capital to assets | 10.0560% | 3,966 |
| Core capital (leverage) ratio | 9.5680% | 3,915 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,404 |
| Total risk-based capital ratio | 15.2238% | 3,479 |
| Memoranda: | ||
| Average total assets | $144,691,800 | 3,996 |
| Average earning assets | $132,089,200 | 4,007 |
| Average equity | $14,954,400 | 4,148 |
| Average total loans | $91,634,200 | 4,170 |