Home > First State Bank, Jones, Oklahoma > Performance and Condition Ratios
First State Bank, Jones, Oklahoma, Performance and Condition Ratios
| 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 | 0.2266% | 8,001 |
| Cost of funding earning assets | 0.0465% | 7,982 |
| Net interest margin | 0.1801% | 7,995 |
| Noninterest income to average assets | 0.0522% | 7,495 |
| Noninterest expense to average assets | 0.1691% | 8,004 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0273% | 5,407 |
| Return on assets (ROA) | 0.0273% | 5,456 |
| Pretax return on assets | 0.0373% | 5,355 |
| Return on Equity (ROE) | 0.2294% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.2294% | 4,775 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9277% | 2,607 |
| Assets per employee ($millions) | 4.2269% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 6,982 |
| Noncurrent loans to loans | 0.8254% | 5,639 |
| Net loans and leases to total assets | 23.5042% | 7,818 |
| Net loans and leases to deposits | 27.0657% | 7,852 |
| Net loans and leases to core deposits | 33.2831% | 7,843 |
| Total domestic deposits to total assets | 86.8414% | 2,589 |
| Equity capital to assets | 12.8392% | 1,574 |
| Core capital (leverage) ratio | 11.9153% | 1,699 |
| Tier 1 risk-based capital ratio | 26.7923% | 713 |
| Total risk-based capital ratio | 26.7923% | 784 |
| Memoranda: | ||
| Average total assets | $40,223,800 | 7,087 |
| Average earning assets | $34,422,600 | 7,166 |
| Average equity | $4,794,400 | 7,024 |
| Average total loans | $11,168,400 | 7,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 7,003 |
| Cost of funding earning assets | 1.0808% | 7,219 |
| Net interest margin | 3.7730% | 3,763 |
| Noninterest income to average assets | 0.8091% | 2,384 |
| Noninterest expense to average assets | 3.4312% | 2,473 |
| Loan and lease loss provision to assets | 0.1242% | 6,113 |
| Net operating income to assets | 0.3676% | 4,524 |
| Return on assets (ROA) | 0.4297% | 4,377 |
| Pretax return on assets | 0.5842% | 4,235 |
| Return on Equity (ROE) | 3.6810% | 4,508 |
| Retained earnings to average equity (ytd only) | 1.2655% | 4,618 |
| Net charge-offs to loans | 0.3485% | 3,896 |
| Credit loss provision to net charge-offs | 123.3333% | 4,091 |
| Earnings coverage of net charge-offs (x) | 6.1998% | 2,648 |
| Efficiency ratio | 84.6026% | 2,232 |
| Assets per employee ($millions) | 3.1213% | 5,853 |
| Cash dividends to net income (ytd only)* | 65.6276% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8074% | 783 |
| Loan loss allowance to noncurrent loans | 146.6667% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 6,057 |
| Noncurrent loans to loans | 1.9141% | 3,757 |
| Net loans and leases to total assets | 28.4688% | 7,838 |
| Net loans and leases to deposits | 32.6405% | 7,877 |
| Net loans and leases to core deposits | 43.6686% | 7,804 |
| Total domestic deposits to total assets | 87.2193% | 2,068 |
| Equity capital to assets | 12.3829% | 2,011 |
| Core capital (leverage) ratio | 11.4180% | 2,115 |
| Tier 1 risk-based capital ratio | 27.5553% | 705 |
| Total risk-based capital ratio | 28.8134% | 690 |
| Memoranda: | ||
| Average total assets | $39,712,500 | 7,165 |
| Average earning assets | $34,172,000 | 7,238 |
| Average equity | $4,636,250 | 7,130 |
| Average total loans | $11,476,750 | 7,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 6,956 |
| Cost of funding earning assets | 1.1513% | 7,241 |
| Net interest margin | 3.7820% | 3,629 |
| Noninterest income to average assets | 0.8007% | 2,404 |
| Noninterest expense to average assets | 3.4104% | 2,590 |
| Loan and lease loss provision to assets | 0.1384% | 5,688 |
| Net operating income to assets | 0.3769% | 4,596 |
| Return on assets (ROA) | 0.4695% | 4,334 |
| Pretax return on assets | 0.6228% | 4,255 |
| Return on Equity (ROE) | 4.0987% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.6826% | 4,404 |
| Net charge-offs to loans | 0.4981% | 2,837 |
| Credit loss provision to net charge-offs | 96.5517% | 4,725 |
| Earnings coverage of net charge-offs (x) | 4.4483% | 3,093 |
| Efficiency ratio | 84.2491% | 2,452 |
| Assets per employee ($millions) | 3.0546% | 5,985 |
| Cash dividends to net income (ytd only)* | 58.9474% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6966% | 753 |
| Loan loss allowance to noncurrent loans | 256.4103% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 6,735 |
| Noncurrent loans to loans | 1.0517% | 5,111 |
| Net loans and leases to total assets | 27.2601% | 7,940 |
| Net loans and leases to deposits | 30.8633% | 7,983 |
| Net loans and leases to core deposits | 35.3446% | 7,992 |
| Total domestic deposits to total assets | 88.3254% | 1,613 |
| Equity capital to assets | 11.4681% | 2,557 |
| Core capital (leverage) ratio | 10.8025% | 2,562 |
| Tier 1 risk-based capital ratio | 26.5892% | 809 |
| Total risk-based capital ratio | 27.8453% | 787 |
| Memoranda: | ||
| Average total assets | $40,465,000 | 7,186 |
| Average earning assets | $34,743,670 | 7,282 |
| Average equity | $4,635,670 | 7,197 |
| Average total loans | $11,645,330 | 7,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 6,843 |
| Cost of funding earning assets | 1.2361% | 7,214 |
| Net interest margin | 3.7999% | 3,441 |
| Noninterest income to average assets | 0.7835% | 2,406 |
| Noninterest expense to average assets | 3.3299% | 2,570 |
| Loan and lease loss provision to assets | 0.1469% | 5,063 |
| Net operating income to assets | 0.4486% | 4,655 |
| Return on assets (ROA) | 0.6366% | 4,040 |
| Pretax return on assets | 0.7933% | 4,098 |
| Return on Equity (ROE) | 5.5597% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.1648% | 4,113 |
| Net charge-offs to loans | 0.8399% | 1,552 |
| Credit loss provision to net charge-offs | 60.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | 2.8800% | 3,349 |
| Efficiency ratio | 82.5243% | 2,474 |
| Assets per employee ($millions) | 3.2255% | 5,534 |
| Cash dividends to net income (ytd only)* | 43.0769% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5052% | 761 |
| Loan loss allowance to noncurrent loans | 3,233.3333% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 7,562 |
| Noncurrent loans to loans | 0.0775% | 7,302 |
| Net loans and leases to total assets | 27.0080% | 7,979 |
| Net loans and leases to deposits | 30.4911% | 8,029 |
| Net loans and leases to core deposits | 40.9081% | 7,960 |
| Total domestic deposits to total assets | 88.5767% | 1,443 |
| Equity capital to assets | 11.0822% | 2,897 |
| Core capital (leverage) ratio | 10.8357% | 2,631 |
| Tier 1 risk-based capital ratio | 25.7149% | 913 |
| Total risk-based capital ratio | 26.9696% | 893 |
| Memoranda: | ||
| Average total assets | $40,842,500 | 7,211 |
| Average earning assets | $34,948,500 | 7,304 |
| Average equity | $4,676,500 | 7,230 |
| Average total loans | $11,905,500 | 7,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 7,063 |
| Cost of funding earning assets | 1.8186% | 6,956 |
| Net interest margin | 3.7817% | 4,096 |
| Noninterest income to average assets | 0.9654% | 1,712 |
| Noninterest expense to average assets | 3.4036% | 2,669 |
| Loan and lease loss provision to assets | 0.1197% | 5,834 |
| Net operating income to assets | 0.5554% | 4,504 |
| Return on assets (ROA) | 0.5647% | 4,316 |
| Pretax return on assets | 0.7937% | 4,103 |
| Return on Equity (ROE) | 4.7888% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.3172% | 3,759 |
| Net charge-offs to loans | 0.3753% | 2,965 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.5217% | 3,088 |
| Efficiency ratio | 79.0810% | 2,740 |
| Assets per employee ($millions) | 3.0579% | 5,906 |
| Cash dividends to net income (ytd only)* | 51.6129% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4682% | 709 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 6,593 |
| Noncurrent loans to loans | 0.8036% | 5,036 |
| Net loans and leases to total assets | 29.9198% | 7,989 |
| Net loans and leases to deposits | 34.1262% | 8,057 |
| Net loans and leases to core deposits | 47.7364% | 7,931 |
| Total domestic deposits to total assets | 87.6739% | 1,622 |
| Equity capital to assets | 11.8381% | 2,396 |
| Core capital (leverage) ratio | 11.5802% | 2,205 |
| Tier 1 risk-based capital ratio | 25.3540% | 960 |
| Total risk-based capital ratio | 26.6071% | 936 |
| Memoranda: | ||
| Average total assets | $38,429,400 | 7,285 |
| Average earning assets | $33,926,600 | 7,325 |
| Average equity | $4,531,400 | 7,320 |
| Average total loans | $12,256,600 | 7,820 |