Home > First State Bank of Beardstown, Illinois > Performance and Condition Ratios
First State Bank of Beardstown, Illinois, 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 | 5.1599% | 6,067 |
| Cost of funding earning assets | 1.8103% | 4,341 |
| Net interest margin | 3.3497% | 5,444 |
| Noninterest income to average assets | 1.0550% | 1,431 |
| Noninterest expense to average assets | 3.6844% | 1,859 |
| Loan and lease loss provision to assets | 0.1104% | 6,266 |
| Net operating income to assets | 0.2775% | 4,873 |
| Return on assets (ROA) | 0.5170% | 4,009 |
| Pretax return on assets | 0.5263% | 4,440 |
| Return on Equity (ROE) | 4.8362% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.4069% | 4,533 |
| Net charge-offs to loans | 0.4476% | 3,440 |
| Credit loss provision to net charge-offs | 56.6265% | 6,219 |
| Earnings coverage of net charge-offs (x) | 2.0121% | 4,313 |
| Efficiency ratio | 90.3746% | 1,657 |
| Assets per employee ($millions) | 2.0423% | 7,766 |
| Cash dividends to net income (ytd only)* | 70.9065% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 1,861 |
| Loan loss allowance to noncurrent loans | 36.1049% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 3.7476% | 1,736 |
| Noncurrent loans to loans | 5.4684% | 1,144 |
| Net loans and leases to total assets | 41.8499% | 7,372 |
| Net loans and leases to deposits | 51.6155% | 7,320 |
| Net loans and leases to core deposits | 58.5382% | 7,448 |
| Total domestic deposits to total assets | 81.0800% | 5,048 |
| Equity capital to assets | 11.2481% | 2,793 |
| Core capital (leverage) ratio | 8.5469% | 5,410 |
| Tier 1 risk-based capital ratio | 15.3252% | 2,905 |
| Total risk-based capital ratio | 16.5798% | 2,842 |
| Memoranda: | ||
| Average total assets | $56,741,750 | 6,515 |
| Average earning assets | $51,188,000 | 6,532 |
| Average equity | $6,065,250 | 6,640 |
| Average total loans | $24,723,000 | 6,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 5,719 |
| Cost of funding earning assets | 1.9417% | 4,053 |
| Net interest margin | 3.3443% | 5,388 |
| Noninterest income to average assets | 1.0566% | 1,419 |
| Noninterest expense to average assets | 3.4844% | 2,385 |
| Loan and lease loss provision to assets | 0.1060% | 6,098 |
| Net operating income to assets | 0.4844% | 4,146 |
| Return on assets (ROA) | 0.8446% | 2,778 |
| Pretax return on assets | 0.8587% | 3,479 |
| Return on Equity (ROE) | 8.0431% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.8124% | 2,633 |
| Net charge-offs to loans | 0.4914% | 2,860 |
| Credit loss provision to net charge-offs | 49.1803% | 5,778 |
| Earnings coverage of net charge-offs (x) | 2.7705% | 3,700 |
| Efficiency ratio | 85.3680% | 2,311 |
| Assets per employee ($millions) | 2.0104% | 7,845 |
| Cash dividends to net income (ytd only)* | 40.1674% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 1,483 |
| Loan loss allowance to noncurrent loans | 34.7113% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 3.9277% | 1,528 |
| Noncurrent loans to loans | 5.8964% | 936 |
| Net loans and leases to total assets | 41.4038% | 7,484 |
| Net loans and leases to deposits | 51.0760% | 7,430 |
| Net loans and leases to core deposits | 57.7335% | 7,528 |
| Total domestic deposits to total assets | 81.0630% | 5,063 |
| Equity capital to assets | 11.0797% | 2,847 |
| Core capital (leverage) ratio | 8.6386% | 5,203 |
| Tier 1 risk-based capital ratio | 16.1055% | 2,588 |
| Total risk-based capital ratio | 17.3614% | 2,535 |
| Memoranda: | ||
| Average total assets | $56,594,670 | 6,569 |
| Average earning assets | $51,192,000 | 6,586 |
| Average equity | $5,943,000 | 6,741 |
| Average total loans | $24,826,330 | 7,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 4,942 |
| Cost of funding earning assets | 2.1049% | 3,627 |
| Net interest margin | 3.3895% | 5,175 |
| Noninterest income to average assets | 0.9869% | 1,523 |
| Noninterest expense to average assets | 3.2284% | 2,865 |
| Loan and lease loss provision to assets | 0.1057% | 5,615 |
| Net operating income to assets | 0.6873% | 3,617 |
| Return on assets (ROA) | 1.0150% | 2,391 |
| Pretax return on assets | 1.0926% | 3,013 |
| Return on Equity (ROE) | 9.9379% | 2,344 |
| Retained earnings to average equity (ytd only) | 6.6253% | 2,364 |
| Net charge-offs to loans | 0.0947% | 4,226 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,394 |
| Efficiency ratio | 79.2388% | 2,958 |
| Assets per employee ($millions) | 2.0909% | 7,812 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,134 |
| Loan loss allowance to noncurrent loans | 33.1238% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 4.2990% | 1,153 |
| Noncurrent loans to loans | 6.5114% | 681 |
| Net loans and leases to total assets | 42.3470% | 7,447 |
| Net loans and leases to deposits | 52.6551% | 7,361 |
| Net loans and leases to core deposits | 58.5310% | 7,516 |
| Total domestic deposits to total assets | 80.4233% | 5,201 |
| Equity capital to assets | 11.5012% | 2,588 |
| Core capital (leverage) ratio | 8.5157% | 5,499 |
| Tier 1 risk-based capital ratio | 16.2615% | 2,592 |
| Total risk-based capital ratio | 17.5182% | 2,536 |
| Memoranda: | ||
| Average total assets | $56,746,000 | 6,592 |
| Average earning assets | $51,688,500 | 6,586 |
| Average equity | $5,796,000 | 6,838 |
| Average total loans | $25,342,500 | 7,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0199% | 5,450 |
| Cost of funding earning assets | 2.3071% | 5,113 |
| Net interest margin | 3.7128% | 4,414 |
| Noninterest income to average assets | 1.2555% | 934 |
| Noninterest expense to average assets | 3.7119% | 1,935 |
| Loan and lease loss provision to assets | 0.1695% | 5,207 |
| Net operating income to assets | 0.9385% | 2,837 |
| Return on assets (ROA) | 1.0952% | 2,081 |
| Pretax return on assets | 0.9913% | 3,409 |
| Return on Equity (ROE) | 10.7065% | 2,004 |
| Retained earnings to average equity (ytd only) | 2.1734% | 3,872 |
| Net charge-offs to loans | 0.2530% | 3,750 |
| Credit loss provision to net charge-offs | 136.7647% | 3,897 |
| Earnings coverage of net charge-offs (x) | 8.1029% | 2,940 |
| Efficiency ratio | 78.7094% | 2,803 |
| Assets per employee ($millions) | 2.1937% | 7,722 |
| Cash dividends to net income (ytd only)* | 79.7005% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 1,276 |
| Loan loss allowance to noncurrent loans | 22.5905% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 4.0202% | 1,018 |
| Noncurrent loans to loans | 8.7349% | 287 |
| Net loans and leases to total assets | 45.1163% | 7,399 |
| Net loans and leases to deposits | 55.7233% | 7,340 |
| Net loans and leases to core deposits | 61.7557% | 7,517 |
| Total domestic deposits to total assets | 80.9650% | 4,654 |
| Equity capital to assets | 8.9398% | 5,444 |
| Core capital (leverage) ratio | 7.9779% | 6,531 |
| Tier 1 risk-based capital ratio | 16.1184% | 2,618 |
| Total risk-based capital ratio | 17.3759% | 2,551 |
| Memoranda: | ||
| Average total assets | $54,877,400 | 6,584 |
| Average earning assets | $51,147,000 | 6,547 |
| Average equity | $5,613,400 | 6,944 |
| Average total loans | $26,875,800 | 6,907 |