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Four States Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6991% | 489 |
| Cost of funding earning assets | 2.1996% | 1,445 |
| Net interest margin | 4.4995% | 624 |
| Noninterest income to average assets | 1.9200% | 271 |
| Noninterest expense to average assets | 6.2810% | 170 |
| Loan and lease loss provision to assets | 0.9800% | 86 |
| Net operating income to assets | -1.2492% | 4,381 |
| Return on assets (ROA) | -1.2492% | 4,415 |
| Pretax return on assets | -1.2492% | 4,405 |
| Return on Equity (ROE) | -3.2200% | 4,302 |
| Retained earnings to average equity (ytd only) | -3.2166% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 104.5561% | 217 |
| Assets per employee ($millions) | 3.0918% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 55.8000% | 3,213 |
| Net loans and leases to deposits | 88.2419% | 1,281 |
| Net loans and leases to core deposits | 106.0481% | 1,025 |
| Total domestic deposits to total assets | 63.2400% | 4,286 |
| Equity capital to assets | 35.6546% | 146 |
| Core capital (leverage) ratio | 40.6569% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $56,997,000 | 4,154 |
| Average earning assets | $51,828,000 | 4,146 |
| Average equity | $22,135,500 | 2,876 |
| Average total loans | $28,860,500 | 4,108 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9720% | 4,479 |
| Cost of funding earning assets | 0.3162% | 4,351 |
| Net interest margin | 1.6558% | 4,361 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 5.1633% | 217 |
| Loan and lease loss provision to assets | 0.8100% | 99 |
| Net operating income to assets | -4.4201% | 4,451 |
| Return on assets (ROA) | -4.4201% | 4,489 |
| Pretax return on assets | -4.4201% | 4,489 |
| Return on Equity (ROE) | -7.5800% | 4,391 |
| Retained earnings to average equity (ytd only) | -7.5776% | 4,360 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 333.4448% | 32 |
| Assets per employee ($millions) | 2.6080% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,026 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 43.1700% | 3,921 |
| Net loans and leases to deposits | 76.8698% | 2,376 |
| Net loans and leases to core deposits | 78.8895% | 2,847 |
| Total domestic deposits to total assets | 56.1600% | 4,343 |
| Equity capital to assets | 42.6082% | 139 |
| Core capital (leverage) ratio | 61.9329% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $38,619,000 | 4,317 |
| Average earning assets | $36,055,500 | 4,289 |
| Average equity | $22,527,000 | 2,801 |
| Average total loans | $15,480,500 | 4,270 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6625% | 4,523 |
| Cost of funding earning assets | 0.0173% | 4,448 |
| Net interest margin | 0.6452% | 4,472 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 6.0235% | 172 |
| Loan and lease loss provision to assets | 0.4300% | 230 |
| Net operating income to assets | -5.8534% | 4,495 |
| Return on assets (ROA) | -5.8534% | 4,528 |
| Pretax return on assets | -5.8534% | 4,529 |
| Return on Equity (ROE) | -6.4300% | 4,415 |
| Retained earnings to average equity (ytd only) | -6.4300% | 4,372 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 1,011.6071% | 26 |
| Assets per employee ($millions) | 1.2540% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 32.2300% | 4,214 |
| Net loans and leases to deposits | 360.3210% | 8 |
| Net loans and leases to core deposits | 360.3210% | 15 |
| Total domestic deposits to total assets | 8.9400% | 4,420 |
| Equity capital to assets | 91.0323% | 75 |
| Core capital (leverage) ratio | 96.8111% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $25,079,000 | 4,424 |
| Average earning assets | $23,143,000 | 4,399 |
| Average equity | $22,830,000 | 2,768 |
| Average total loans | $8,162,000 | 4,372 |