Home > First State Bank of Canadian > Performance and Condition Ratios
First State Bank of Canadian, 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 | 4.8401% | 5,514 |
| Cost of funding earning assets | 0.7504% | 6,909 |
| Net interest margin | 4.0897% | 2,675 |
| Noninterest income to average assets | 0.3995% | 4,960 |
| Noninterest expense to average assets | 1.9832% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2969% | 191 |
| Return on assets (ROA) | 2.2969% | 205 |
| Pretax return on assets | 2.2969% | 343 |
| Return on Equity (ROE) | 21.1953% | 245 |
| Retained earnings to average equity (ytd only) | 4.1669% | 3,543 |
| Net charge-offs to loans | 0.0190% | 6,406 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 141.0630% | 227 |
| Efficiency ratio | 46.3353% | 7,371 |
| Assets per employee ($millions) | 5.0054% | 2,172 |
| Cash dividends to net income (ytd only)* | 80.3403% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,245 |
| Loan loss allowance to noncurrent loans | 39.6667% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.1577% | 3,259 |
| Noncurrent loans to loans | 2.6066% | 3,018 |
| Net loans and leases to total assets | 81.9210% | 505 |
| Net loans and leases to deposits | 91.9175% | 1,463 |
| Net loans and leases to core deposits | 103.8391% | 1,499 |
| Total domestic deposits to total assets | 89.1245% | 1,327 |
| Equity capital to assets | 10.6718% | 3,321 |
| Core capital (leverage) ratio | 10.4458% | 2,747 |
| Tier 1 risk-based capital ratio | 11.4442% | 5,979 |
| Total risk-based capital ratio | 12.4262% | 6,210 |
| Memoranda: | ||
| Average total assets | $122,831,250 | 4,479 |
| Average earning assets | $116,550,750 | 4,369 |
| Average equity | $13,310,750 | 4,367 |
| Average total loans | $105,408,500 | 3,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 5,346 |
| Cost of funding earning assets | 0.7661% | 7,016 |
| Net interest margin | 4.1436% | 2,359 |
| Noninterest income to average assets | 0.3703% | 5,180 |
| Noninterest expense to average assets | 2.0497% | 7,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.2464% | 209 |
| Return on assets (ROA) | 2.2464% | 233 |
| Pretax return on assets | 2.2464% | 378 |
| Return on Equity (ROE) | 20.6222% | 281 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,569 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7117% | 7,364 |
| Assets per employee ($millions) | 4.8395% | 2,387 |
| Cash dividends to net income (ytd only)* | 72.9395% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,280 |
| Loan loss allowance to noncurrent loans | 88.4365% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 5,097 |
| Noncurrent loans to loans | 1.1627% | 5,013 |
| Net loans and leases to total assets | 86.4010% | 199 |
| Net loans and leases to deposits | 97.2482% | 939 |
| Net loans and leases to core deposits | 111.4126% | 1,065 |
| Total domestic deposits to total assets | 88.8459% | 1,525 |
| Equity capital to assets | 11.0004% | 2,858 |
| Core capital (leverage) ratio | 10.3858% | 2,729 |
| Tier 1 risk-based capital ratio | 11.2815% | 5,958 |
| Total risk-based capital ratio | 12.2666% | 6,208 |
| Memoranda: | ||
| Average total assets | $122,063,670 | 4,527 |
| Average earning assets | $115,647,000 | 4,421 |
| Average equity | $13,296,330 | 4,374 |
| Average total loans | $106,017,330 | 3,716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 5,200 |
| Cost of funding earning assets | 0.7576% | 7,215 |
| Net interest margin | 4.2010% | 2,036 |
| Noninterest income to average assets | 0.3719% | 5,168 |
| Noninterest expense to average assets | 2.0554% | 7,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2969% | 211 |
| Return on assets (ROA) | 2.2969% | 236 |
| Pretax return on assets | 2.2969% | 351 |
| Return on Equity (ROE) | 21.1889% | 317 |
| Retained earnings to average equity (ytd only) | 21.1889% | 170 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2264% | 7,489 |
| Assets per employee ($millions) | 5.5350% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 6,204 |
| Loan loss allowance to noncurrent loans | 132.2777% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 5,810 |
| Noncurrent loans to loans | 0.7976% | 5,724 |
| Net loans and leases to total assets | 83.6439% | 406 |
| Net loans and leases to deposits | 94.3425% | 1,311 |
| Net loans and leases to core deposits | 108.3945% | 1,390 |
| Total domestic deposits to total assets | 88.6599% | 1,699 |
| Equity capital to assets | 11.2030% | 2,588 |
| Core capital (leverage) ratio | 10.4881% | 2,632 |
| Tier 1 risk-based capital ratio | 11.7835% | 5,415 |
| Total risk-based capital ratio | 12.7857% | 5,614 |
| Memoranda: | ||
| Average total assets | $122,602,000 | 4,568 |
| Average earning assets | $116,162,500 | 4,468 |
| Average equity | $13,290,000 | 4,414 |
| Average total loans | $106,216,000 | 3,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 6,017 |
| Cost of funding earning assets | 0.7958% | 7,558 |
| Net interest margin | 4.3208% | 1,656 |
| Noninterest income to average assets | 0.4287% | 4,980 |
| Noninterest expense to average assets | 1.9001% | 7,506 |
| Loan and lease loss provision to assets | 0.4239% | 4,285 |
| Net operating income to assets | 2.0732% | 195 |
| Return on assets (ROA) | 2.0732% | 215 |
| Pretax return on assets | 2.0732% | 353 |
| Return on Equity (ROE) | 18.5592% | 331 |
| Retained earnings to average equity (ytd only) | -3.5368% | 5,801 |
| Net charge-offs to loans | 0.5749% | 3,494 |
| Credit loss provision to net charge-offs | 83.5703% | 6,207 |
| Earnings coverage of net charge-offs (x) | 4.9226% | 2,752 |
| Efficiency ratio | 43.2112% | 7,798 |
| Assets per employee ($millions) | 4.7474% | 2,544 |
| Cash dividends to net income (ytd only)* | 119.0568% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,440 |
| Loan loss allowance to noncurrent loans | 130.6859% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 5,754 |
| Noncurrent loans to loans | 0.7590% | 5,752 |
| Net loans and leases to total assets | 87.8258% | 179 |
| Net loans and leases to deposits | 98.2285% | 1,077 |
| Net loans and leases to core deposits | 129.9380% | 1,293 |
| Total domestic deposits to total assets | 89.4096% | 1,263 |
| Equity capital to assets | 10.4818% | 3,198 |
| Core capital (leverage) ratio | 10.1182% | 2,981 |
| Tier 1 risk-based capital ratio | 10.5845% | 6,309 |
| Total risk-based capital ratio | 11.5373% | 6,569 |
| Memoranda: | ||
| Average total assets | $124,784,800 | 4,452 |
| Average earning assets | $114,607,200 | 4,436 |
| Average equity | $13,939,200 | 4,268 |
| Average total loans | $110,099,400 | 3,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 6,104 |
| Cost of funding earning assets | 0.8102% | 7,678 |
| Net interest margin | 4.3411% | 1,612 |
| Noninterest income to average assets | 0.4284% | 5,061 |
| Noninterest expense to average assets | 1.9149% | 7,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.4700% | 107 |
| Return on assets (ROA) | 2.4700% | 119 |
| Pretax return on assets | 2.4700% | 202 |
| Return on Equity (ROE) | 21.7808% | 213 |
| Retained earnings to average equity (ytd only) | 11.7267% | 377 |
| Net charge-offs to loans | 0.0206% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 136.3295% | 283 |
| Efficiency ratio | 43.6695% | 7,848 |
| Assets per employee ($millions) | 4.3443% | 3,131 |
| Cash dividends to net income (ytd only)* | 46.1604% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,411 |
| Loan loss allowance to noncurrent loans | 577.8325% | 567 |
| Noncurrent assets plus other real estate owned to assets | 2.1460% | 3,165 |
| Noncurrent loans to loans | 0.1991% | 7,004 |
| Net loans and leases to total assets | 89.2122% | 147 |
| Net loans and leases to deposits | 102.7511% | 861 |
| Net loans and leases to core deposits | 143.0760% | 795 |
| Total domestic deposits to total assets | 86.8236% | 2,272 |
| Equity capital to assets | 12.9967% | 1,699 |
| Core capital (leverage) ratio | 12.3622% | 1,635 |
| Tier 1 risk-based capital ratio | 12.8163% | 4,312 |
| Total risk-based capital ratio | 13.9052% | 4,382 |
| Memoranda: | ||
| Average total assets | $125,122,750 | 4,472 |
| Average earning assets | $114,039,250 | 4,480 |
| Average equity | $14,189,500 | 4,245 |
| Average total loans | $110,251,250 | 3,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,455 |
| Cost of funding earning assets | 0.8032% | 7,816 |
| Net interest margin | 4.2913% | 1,679 |
| Noninterest income to average assets | 0.3793% | 5,472 |
| Noninterest expense to average assets | 1.8718% | 7,659 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3951% | 132 |
| Return on assets (ROA) | 2.3951% | 147 |
| Pretax return on assets | 2.3951% | 258 |
| Return on Equity (ROE) | 22.0590% | 233 |
| Retained earnings to average equity (ytd only) | 13.9313% | 260 |
| Net charge-offs to loans | 0.0301% | 6,043 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 422 |
| Efficiency ratio | 43.8679% | 7,929 |
| Assets per employee ($millions) | 4.5929% | 2,620 |
| Cash dividends to net income (ytd only)* | 36.8455% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,173 |
| Loan loss allowance to noncurrent loans | 512.2271% | 644 |
| Noncurrent assets plus other real estate owned to assets | 2.4098% | 2,689 |
| Noncurrent loans to loans | 0.2272% | 6,940 |
| Net loans and leases to total assets | 86.7639% | 318 |
| Net loans and leases to deposits | 103.0909% | 982 |
| Net loans and leases to core deposits | 143.9341% | 841 |
| Total domestic deposits to total assets | 84.1624% | 3,667 |
| Equity capital to assets | 12.5490% | 1,899 |
| Core capital (leverage) ratio | 11.2646% | 2,218 |
| Tier 1 risk-based capital ratio | 12.6635% | 4,385 |
| Total risk-based capital ratio | 13.7610% | 4,431 |
| Memoranda: | ||
| Average total assets | $129,179,670 | 4,410 |
| Average earning assets | $117,028,670 | 4,442 |
| Average equity | $14,026,000 | 4,300 |
| Average total loans | $113,021,670 | 3,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 6,999 |
| Cost of funding earning assets | 0.8094% | 7,899 |
| Net interest margin | 4.1645% | 2,034 |
| Noninterest income to average assets | 0.3491% | 5,650 |
| Noninterest expense to average assets | 1.7278% | 7,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3644% | 168 |
| Return on assets (ROA) | 2.3644% | 201 |
| Pretax return on assets | 2.3644% | 324 |
| Return on Equity (ROE) | 23.3041% | 247 |
| Retained earnings to average equity (ytd only) | 23.3041% | 104 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2222% | 7,992 |
| Assets per employee ($millions) | 5.3971% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,807 |
| Loan loss allowance to noncurrent loans | 55.5296% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3415% | 2,448 |
| Noncurrent loans to loans | 1.8929% | 3,424 |
| Net loans and leases to total assets | 86.4850% | 384 |
| Net loans and leases to deposits | 97.3081% | 1,766 |
| Net loans and leases to core deposits | 125.7849% | 1,929 |
| Total domestic deposits to total assets | 88.8775% | 1,289 |
| Equity capital to assets | 10.9913% | 2,969 |
| Core capital (leverage) ratio | 10.0881% | 3,305 |
| Tier 1 risk-based capital ratio | 11.3139% | 5,582 |
| Total risk-based capital ratio | 12.3215% | 5,741 |
| Memoranda: | ||
| Average total assets | $136,358,500 | 4,276 |
| Average earning assets | $122,560,500 | 4,317 |
| Average equity | $13,834,500 | 4,377 |
| Average total loans | $119,134,000 | 3,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 6,848 |
| Cost of funding earning assets | 1.5181% | 7,578 |
| Net interest margin | 4.1586% | 2,466 |
| Noninterest income to average assets | 0.3800% | 5,643 |
| Noninterest expense to average assets | 1.4634% | 8,050 |
| Loan and lease loss provision to assets | 0.3338% | 3,715 |
| Net operating income to assets | 2.2664% | 208 |
| Return on assets (ROA) | 2.2664% | 206 |
| Pretax return on assets | 2.2664% | 341 |
| Return on Equity (ROE) | 23.0536% | 209 |
| Retained earnings to average equity (ytd only) | 18.1917% | 46 |
| Net charge-offs to loans | 0.0019% | 7,002 |
| Credit loss provision to net charge-offs | 20,950.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,632.0000% | 20 |
| Efficiency ratio | 36.0125% | 8,192 |
| Assets per employee ($millions) | 5.7275% | 1,305 |
| Cash dividends to net income (ytd only)* | 21.0896% | 4,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,392 |
| Loan loss allowance to noncurrent loans | 748.4277% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 5,030 |
| Noncurrent loans to loans | 0.1271% | 7,033 |
| Net loans and leases to total assets | 86.5051% | 540 |
| Net loans and leases to deposits | 95.6117% | 2,505 |
| Net loans and leases to core deposits | 131.1507% | 1,772 |
| Total domestic deposits to total assets | 90.4754% | 499 |
| Equity capital to assets | 9.3807% | 4,842 |
| Core capital (leverage) ratio | 9.8158% | 3,630 |
| Tier 1 risk-based capital ratio | 9.6541% | 7,140 |
| Total risk-based capital ratio | 10.5689% | 7,426 |
| Memoranda: | ||
| Average total assets | $125,531,000 | 4,385 |
| Average earning assets | $111,191,600 | 4,492 |
| Average equity | $12,340,800 | 4,744 |
| Average total loans | $107,628,400 | 3,747 |