Home > First State Bank of Altus > Performance and Condition Ratios
First State Bank of Altus, Performance and Condition Ratios
| 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 | 4.7159% | 7,368 |
| Cost of funding earning assets | 2.1002% | 3,262 |
| Net interest margin | 2.6158% | 7,341 |
| Noninterest income to average assets | 0.9424% | 1,788 |
| Noninterest expense to average assets | 4.1572% | 1,117 |
| Loan and lease loss provision to assets | 25.2491% | 1 |
| Net operating income to assets | -26.1239% | 8,182 |
| Return on assets (ROA) | -26.1239% | 8,181 |
| Pretax return on assets | -26.1239% | 8,180 |
| Return on Equity (ROE) | -2,688.9587% | 8,193 |
| Retained earnings to average equity (ytd only) | -2,688.9587% | 8,193 |
| Net charge-offs to loans | 27.1308% | 5 |
| Credit loss provision to net charge-offs | 117.6253% | 3,956 |
| Earnings coverage of net charge-offs (x) | -0.0408% | 5,736 |
| Efficiency ratio | 126.6505% | 560 |
| Assets per employee ($millions) | 2.1132% | 7,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0410% | 24 |
| Loan loss allowance to noncurrent loans | 28.7575% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 24.8704% | 22 |
| Noncurrent loans to loans | 31.4388% | 16 |
| Net loans and leases to total assets | 70.3952% | 3,608 |
| Net loans and leases to deposits | 65.1644% | 6,465 |
| Net loans and leases to core deposits | 89.7882% | 5,554 |
| Total domestic deposits to total assets | 108.0271% | 2 |
| Equity capital to assets | -8.5345% | 8,193 |
| Core capital (leverage) ratio | -7.4490% | 8,194 |
| Tier 1 risk-based capital ratio | -12.1318% | 8,194 |
| Total risk-based capital ratio | -12.1318% | 8,194 |
| Memoranda: | ||
| Average total assets | $100,597,670 | 5,147 |
| Average earning assets | $89,992,670 | 5,198 |
| Average equity | $977,330 | 8,157 |
| Average total loans | $79,592,330 | 4,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5443% | 4,672 |
| Cost of funding earning assets | 2.0200% | 4,033 |
| Net interest margin | 3.5243% | 4,632 |
| Noninterest income to average assets | 0.7775% | 2,443 |
| Noninterest expense to average assets | 4.1683% | 977 |
| Loan and lease loss provision to assets | 1.0430% | 1,252 |
| Net operating income to assets | -1.3237% | 7,426 |
| Return on assets (ROA) | -1.3237% | 7,441 |
| Pretax return on assets | -1.3237% | 7,311 |
| Return on Equity (ROE) | -26.1252% | 7,863 |
| Retained earnings to average equity (ytd only) | -26.1252% | 7,794 |
| Net charge-offs to loans | 0.0237% | 5,222 |
| Credit loss provision to net charge-offs | 5,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | -14.8000% | 5,643 |
| Efficiency ratio | 107.2195% | 891 |
| Assets per employee ($millions) | 2.3970% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6429% | 77 |
| Loan loss allowance to noncurrent loans | 15.9499% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 28.4766% | 11 |
| Noncurrent loans to loans | 35.3791% | 11 |
| Net loans and leases to total assets | 74.9111% | 2,526 |
| Net loans and leases to deposits | 79.1425% | 4,752 |
| Net loans and leases to core deposits | 104.6145% | 4,069 |
| Total domestic deposits to total assets | 94.6534% | 27 |
| Equity capital to assets | 4.9228% | 8,122 |
| Core capital (leverage) ratio | 4.5943% | 8,144 |
| Tier 1 risk-based capital ratio | 5.8086% | 8,147 |
| Total risk-based capital ratio | 7.1111% | 8,149 |
| Memoranda: | ||
| Average total assets | $105,463,000 | 5,019 |
| Average earning assets | $93,069,000 | 5,115 |
| Average equity | $5,343,500 | 6,987 |
| Average total loans | $84,226,500 | 4,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7770% | 6,514 |
| Cost of funding earning assets | 2.7463% | 2,944 |
| Net interest margin | 3.0307% | 6,834 |
| Noninterest income to average assets | 0.4899% | 4,691 |
| Noninterest expense to average assets | 2.8329% | 4,683 |
| Loan and lease loss provision to assets | 4.7308% | 123 |
| Net operating income to assets | -4.3646% | 8,034 |
| Return on assets (ROA) | -4.3137% | 8,012 |
| Pretax return on assets | -4.3137% | 7,944 |
| Return on Equity (ROE) | -68.8503% | 8,232 |
| Retained earnings to average equity (ytd only) | -71.8944% | 8,227 |
| Net charge-offs to loans | 2.1816% | 474 |
| Credit loss provision to net charge-offs | 294.0464% | 1,541 |
| Earnings coverage of net charge-offs (x) | 0.2276% | 6,097 |
| Efficiency ratio | 88.5533% | 1,625 |
| Assets per employee ($millions) | 2.3435% | 7,498 |
| Cash dividends to net income (ytd only)* | -4.4213% | 7,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2585% | 86 |
| Loan loss allowance to noncurrent loans | 16.6163% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 25.5564% | 16 |
| Noncurrent loans to loans | 31.6466% | 11 |
| Net loans and leases to total assets | 76.1116% | 2,594 |
| Net loans and leases to deposits | 80.6967% | 4,925 |
| Net loans and leases to core deposits | 101.2616% | 4,691 |
| Total domestic deposits to total assets | 94.3181% | 25 |
| Equity capital to assets | 5.2107% | 8,166 |
| Core capital (leverage) ratio | 4.8637% | 8,222 |
| Tier 1 risk-based capital ratio | 6.1730% | 8,222 |
| Total risk-based capital ratio | 7.4780% | 8,221 |
| Memoranda: | ||
| Average total assets | $117,972,600 | 4,569 |
| Average earning assets | $105,452,600 | 4,629 |
| Average equity | $7,391,400 | 6,319 |
| Average total loans | $86,998,400 | 4,311 |