Home > First State Bank of Biggsville > Performance and Condition Ratios
First State Bank of Biggsville, 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 | 5.4636% | 4,612 |
| Cost of funding earning assets | 1.5985% | 5,406 |
| Net interest margin | 3.8651% | 3,367 |
| Noninterest income to average assets | 0.3968% | 5,312 |
| Noninterest expense to average assets | 2.3809% | 6,474 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6652% | 593 |
| Return on assets (ROA) | 1.6652% | 636 |
| Pretax return on assets | 1.6652% | 1,033 |
| Return on Equity (ROE) | 10.3273% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.0976% | 2,433 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8441% | 6,583 |
| Assets per employee ($millions) | 3.3833% | 5,197 |
| Cash dividends to net income (ytd only)* | 50.6367% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7124% | 867 |
| Loan loss allowance to noncurrent loans | 30.3704% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 3.3251% | 2,029 |
| Noncurrent loans to loans | 8.9309% | 505 |
| Net loans and leases to total assets | 36.2217% | 7,616 |
| Net loans and leases to deposits | 43.2937% | 7,643 |
| Net loans and leases to core deposits | 53.3096% | 7,611 |
| Total domestic deposits to total assets | 83.6650% | 3,874 |
| Equity capital to assets | 16.0788% | 777 |
| Core capital (leverage) ratio | 13.9557% | 1,105 |
| Tier 1 risk-based capital ratio | 22.0975% | 1,216 |
| Total risk-based capital ratio | 23.3489% | 1,196 |
| Memoranda: | ||
| Average total assets | $18,816,000 | 7,884 |
| Average earning assets | $17,765,500 | 7,847 |
| Average equity | $3,034,000 | 7,650 |
| Average total loans | $7,208,250 | 7,893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 4,632 |
| Cost of funding earning assets | 1.5946% | 5,766 |
| Net interest margin | 3.9056% | 3,090 |
| Noninterest income to average assets | 0.3712% | 5,543 |
| Noninterest expense to average assets | 2.4998% | 6,125 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5610% | 740 |
| Return on assets (ROA) | 1.5610% | 796 |
| Pretax return on assets | 1.5610% | 1,302 |
| Return on Equity (ROE) | 9.6709% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.4247% | 1,834 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5591% | 6,307 |
| Assets per employee ($millions) | 3.1748% | 5,641 |
| Cash dividends to net income (ytd only)* | 33.5664% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8159% | 670 |
| Loan loss allowance to noncurrent loans | 30.2806% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.5540% | 1,752 |
| Noncurrent loans to loans | 9.2995% | 412 |
| Net loans and leases to total assets | 37.1411% | 7,672 |
| Net loans and leases to deposits | 44.1801% | 7,696 |
| Net loans and leases to core deposits | 51.6687% | 7,721 |
| Total domestic deposits to total assets | 84.0674% | 3,726 |
| Equity capital to assets | 15.6701% | 891 |
| Core capital (leverage) ratio | 14.7057% | 972 |
| Tier 1 risk-based capital ratio | 23.2196% | 1,114 |
| Total risk-based capital ratio | 24.4764% | 1,094 |
| Memoranda: | ||
| Average total assets | $18,321,330 | 7,982 |
| Average earning assets | $17,308,330 | 7,937 |
| Average equity | $2,957,330 | 7,740 |
| Average total loans | $7,091,670 | 7,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 4,442 |
| Cost of funding earning assets | 1.6265% | 5,918 |
| Net interest margin | 3.9603% | 2,815 |
| Noninterest income to average assets | 0.2896% | 6,120 |
| Noninterest expense to average assets | 2.4948% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5370% | 875 |
| Return on assets (ROA) | 1.5370% | 951 |
| Pretax return on assets | 1.5370% | 1,569 |
| Return on Equity (ROE) | 9.3766% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.3766% | 1,378 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8785% | 6,073 |
| Assets per employee ($millions) | 2.5569% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9918% | 483 |
| Loan loss allowance to noncurrent loans | 30.1028% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 3.8049% | 1,387 |
| Noncurrent loans to loans | 9.9387% | 296 |
| Net loans and leases to total assets | 37.1382% | 7,691 |
| Net loans and leases to deposits | 44.3932% | 7,710 |
| Net loans and leases to core deposits | 50.5552% | 7,772 |
| Total domestic deposits to total assets | 83.6574% | 3,858 |
| Equity capital to assets | 16.1191% | 857 |
| Core capital (leverage) ratio | 15.0260% | 971 |
| Tier 1 risk-based capital ratio | 24.5753% | 1,016 |
| Total risk-based capital ratio | 25.8356% | 998 |
| Memoranda: | ||
| Average total assets | $17,957,500 | 8,038 |
| Average earning assets | $16,968,500 | 8,002 |
| Average equity | $2,943,500 | 7,803 |
| Average total loans | $6,997,500 | 8,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7356% | 6,662 |
| Cost of funding earning assets | 2.1524% | 5,819 |
| Net interest margin | 3.5832% | 4,962 |
| Noninterest income to average assets | 0.3724% | 5,721 |
| Noninterest expense to average assets | 2.4750% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2834% | 1,535 |
| Return on assets (ROA) | 1.2834% | 1,481 |
| Pretax return on assets | 1.2834% | 2,369 |
| Return on Equity (ROE) | 8.0535% | 3,053 |
| Retained earnings to average equity (ytd only) | 0.6472% | 4,851 |
| Net charge-offs to loans | -0.0280% | 7,962 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8537% | 5,154 |
| Assets per employee ($millions) | 2.5739% | 7,060 |
| Cash dividends to net income (ytd only)* | 91.9643% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8699% | 485 |
| Loan loss allowance to noncurrent loans | 33.9404% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 3.3524% | 1,346 |
| Noncurrent loans to loans | 8.4558% | 308 |
| Net loans and leases to total assets | 38.5081% | 7,744 |
| Net loans and leases to deposits | 47.6838% | 7,722 |
| Net loans and leases to core deposits | 53.2178% | 7,820 |
| Total domestic deposits to total assets | 80.7571% | 4,746 |
| Equity capital to assets | 16.6620% | 818 |
| Core capital (leverage) ratio | 14.8221% | 1,071 |
| Tier 1 risk-based capital ratio | 23.0155% | 1,189 |
| Total risk-based capital ratio | 24.2712% | 1,165 |
| Memoranda: | ||
| Average total assets | $17,454,200 | 8,093 |
| Average earning assets | $16,493,600 | 8,055 |
| Average equity | $2,781,400 | 7,900 |
| Average total loans | $7,150,600 | 8,076 |