Home > First State Bank of Thayer > Performance and Condition Ratios
First State Bank of Thayer, 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 | 4.0354% | 7,684 |
| Cost of funding earning assets | 0.9057% | 7,394 |
| Net interest margin | 3.1297% | 6,282 |
| Noninterest income to average assets | 1.0405% | 1,436 |
| Noninterest expense to average assets | 3.3707% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6069% | 3,303 |
| Return on assets (ROA) | 0.6069% | 3,372 |
| Pretax return on assets | 0.6286% | 3,814 |
| Return on Equity (ROE) | 6.5482% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.0926% | 2,350 |
| 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 | 84.2818% | 2,316 |
| Assets per employee ($millions) | 3.0367% | 6,127 |
| Cash dividends to net income (ytd only)* | 37.5000% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.7574% | 7,313 |
| Net loans and leases to deposits | 45.1483% | 7,474 |
| Net loans and leases to core deposits | 47.5538% | 7,640 |
| Total domestic deposits to total assets | 90.2744% | 851 |
| Equity capital to assets | 9.6487% | 4,217 |
| Core capital (leverage) ratio | 9.4232% | 3,806 |
| Tier 1 risk-based capital ratio | 22.7190% | 1,073 |
| Total risk-based capital ratio | 23.8563% | 1,059 |
| Memoranda: | ||
| Average total assets | $9,226,600 | 7,976 |
| Average earning assets | $8,722,800 | 7,957 |
| Average equity | $855,200 | 7,991 |
| Average total loans | $4,009,400 | 7,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 7,756 |
| Cost of funding earning assets | 0.9301% | 7,515 |
| Net interest margin | 3.2172% | 5,957 |
| Noninterest income to average assets | 0.7923% | 2,472 |
| Noninterest expense to average assets | 3.4285% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3889% | 4,441 |
| Return on assets (ROA) | 0.3889% | 4,542 |
| Pretax return on assets | 0.4033% | 4,795 |
| Return on Equity (ROE) | 4.2390% | 4,278 |
| Retained earnings to average equity (ytd only) | 0.9420% | 4,784 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4737% | 1,735 |
| Assets per employee ($millions) | 3.0773% | 5,970 |
| Cash dividends to net income (ytd only)* | 77.7778% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.5767% | 7,273 |
| Net loans and leases to deposits | 48.0703% | 7,492 |
| Net loans and leases to core deposits | 50.5974% | 7,674 |
| Total domestic deposits to total assets | 90.6521% | 535 |
| Equity capital to assets | 9.2179% | 5,138 |
| Core capital (leverage) ratio | 8.9344% | 4,759 |
| Tier 1 risk-based capital ratio | 20.2330% | 1,512 |
| Total risk-based capital ratio | 21.2791% | 1,501 |
| Memoranda: | ||
| Average total assets | $9,255,750 | 8,063 |
| Average earning assets | $8,744,500 | 8,043 |
| Average equity | $849,250 | 8,076 |
| Average total loans | $4,072,500 | 7,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 7,856 |
| Cost of funding earning assets | 0.9375% | 7,648 |
| Net interest margin | 3.2013% | 5,909 |
| Noninterest income to average assets | 0.7772% | 2,534 |
| Noninterest expense to average assets | 3.2816% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4966% | 4,100 |
| Return on assets (ROA) | 0.4966% | 4,227 |
| Pretax return on assets | 0.5182% | 4,559 |
| Return on Equity (ROE) | 5.4202% | 3,896 |
| Retained earnings to average equity (ytd only) | 1.4140% | 4,547 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 2,192 |
| Assets per employee ($millions) | 3.2643% | 5,417 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.0592% | 7,550 |
| Net loans and leases to deposits | 43.9158% | 7,704 |
| Net loans and leases to core deposits | 46.0554% | 7,833 |
| Total domestic deposits to total assets | 91.2182% | 400 |
| Equity capital to assets | 8.6899% | 5,769 |
| Core capital (leverage) ratio | 8.9259% | 4,746 |
| Tier 1 risk-based capital ratio | 20.3832% | 1,508 |
| Total risk-based capital ratio | 21.4371% | 1,501 |
| Memoranda: | ||
| Average total assets | $9,263,670 | 8,157 |
| Average earning assets | $8,746,330 | 8,132 |
| Average equity | $848,670 | 8,168 |
| Average total loans | $4,074,330 | 8,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 7,904 |
| Cost of funding earning assets | 0.9915% | 7,682 |
| Net interest margin | 3.2106% | 5,828 |
| Noninterest income to average assets | 0.8001% | 2,323 |
| Noninterest expense to average assets | 3.2004% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6223% | 3,926 |
| Return on assets (ROA) | 0.6223% | 4,108 |
| Pretax return on assets | 0.6223% | 4,685 |
| Return on Equity (ROE) | 6.6077% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.3599% | 4,563 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7209% | 2,336 |
| Assets per employee ($millions) | 3.0543% | 6,014 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.7848% | 7,360 |
| Net loans and leases to deposits | 48.3432% | 7,563 |
| Net loans and leases to core deposits | 50.8814% | 7,758 |
| Total domestic deposits to total assets | 90.5708% | 563 |
| Equity capital to assets | 9.2764% | 4,973 |
| Core capital (leverage) ratio | 9.3695% | 4,145 |
| Tier 1 risk-based capital ratio | 20.9669% | 1,454 |
| Total risk-based capital ratio | 22.0523% | 1,451 |
| Memoranda: | ||
| Average total assets | $8,999,000 | 8,208 |
| Average earning assets | $8,472,000 | 8,186 |
| Average equity | $847,500 | 8,220 |
| Average total loans | $4,128,000 | 8,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 7,328 |
| Cost of funding earning assets | 1.5082% | 7,596 |
| Net interest margin | 3.9806% | 3,213 |
| Noninterest income to average assets | 0.7442% | 2,814 |
| Noninterest expense to average assets | 3.2362% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0938% | 2,170 |
| Return on assets (ROA) | 1.0938% | 2,088 |
| Pretax return on assets | 1.1389% | 2,882 |
| Return on Equity (ROE) | 11.5311% | 1,744 |
| Retained earnings to average equity (ytd only) | 2.2587% | 3,803 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9691% | 3,577 |
| Assets per employee ($millions) | 4.4175% | 2,758 |
| Cash dividends to net income (ytd only)* | 80.4124% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.0402% | 7,250 |
| Net loans and leases to deposits | 52.0867% | 7,531 |
| Net loans and leases to core deposits | 54.9154% | 7,770 |
| Total domestic deposits to total assets | 90.3113% | 545 |
| Equity capital to assets | 9.5642% | 4,594 |
| Core capital (leverage) ratio | 9.4477% | 4,094 |
| Tier 1 risk-based capital ratio | 19.2045% | 1,769 |
| Total risk-based capital ratio | 20.2045% | 1,778 |
| Memoranda: | ||
| Average total assets | $8,868,400 | 8,265 |
| Average earning assets | $8,089,200 | 8,247 |
| Average equity | $841,200 | 8,283 |
| Average total loans | $4,422,200 | 8,180 |