Home > Friona State Bank, N.A. > Performance and Condition Ratios
Friona State Bank, N.A., 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 | 5.1334% | 4,157 |
| Cost of funding earning assets | 0.7383% | 6,947 |
| Net interest margin | 4.3951% | 1,540 |
| Noninterest income to average assets | 0.5242% | 3,993 |
| Noninterest expense to average assets | 2.1712% | 6,680 |
| Loan and lease loss provision to assets | -0.0729% | 7,694 |
| Net operating income to assets | 2.4599% | 143 |
| Return on assets (ROA) | 2.4599% | 150 |
| Pretax return on assets | 2.4599% | 245 |
| Return on Equity (ROE) | 21.7317% | 209 |
| Retained earnings to average equity (ytd only) | 1.9330% | 4,991 |
| Net charge-offs to loans | -0.0845% | 7,531 |
| Credit loss provision to net charge-offs | 97.9592% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6333% | 7,290 |
| Assets per employee ($millions) | 3.5676% | 4,809 |
| Cash dividends to net income (ytd only)* | 91.1059% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,250 |
| Loan loss allowance to noncurrent loans | 138.0235% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,319 |
| Noncurrent loans to loans | 0.7488% | 5,706 |
| Net loans and leases to total assets | 88.4718% | 93 |
| Net loans and leases to deposits | 99.8772% | 669 |
| Net loans and leases to core deposits | 104.8890% | 1,407 |
| Total domestic deposits to total assets | 88.5806% | 1,638 |
| Equity capital to assets | 11.1582% | 2,810 |
| Core capital (leverage) ratio | 10.4393% | 2,756 |
| Tier 1 risk-based capital ratio | 11.3841% | 6,034 |
| Total risk-based capital ratio | 12.4095% | 6,228 |
| Memoranda: | ||
| Average total assets | $87,752,500 | 5,422 |
| Average earning assets | $80,542,750 | 5,385 |
| Average equity | $9,933,000 | 5,219 |
| Average total loans | $77,288,500 | 4,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 4,884 |
| Cost of funding earning assets | 0.7391% | 7,098 |
| Net interest margin | 4.2749% | 1,873 |
| Noninterest income to average assets | 0.5110% | 4,022 |
| Noninterest expense to average assets | 2.1496% | 6,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.2848% | 199 |
| Return on assets (ROA) | 2.2848% | 218 |
| Pretax return on assets | 2.2848% | 350 |
| Return on Equity (ROE) | 20.0873% | 314 |
| Retained earnings to average equity (ytd only) | 4.4728% | 3,220 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4755% | 7,315 |
| Assets per employee ($millions) | 3.4304% | 5,096 |
| Cash dividends to net income (ytd only)* | 77.7332% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,836 |
| Loan loss allowance to noncurrent loans | 147.4910% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 4,324 |
| Noncurrent loans to loans | 0.7611% | 5,752 |
| Net loans and leases to total assets | 84.5268% | 317 |
| Net loans and leases to deposits | 95.9764% | 1,051 |
| Net loans and leases to core deposits | 99.9022% | 2,027 |
| Total domestic deposits to total assets | 88.0703% | 1,962 |
| Equity capital to assets | 11.6953% | 2,282 |
| Core capital (leverage) ratio | 10.5334% | 2,602 |
| Tier 1 risk-based capital ratio | 12.3630% | 4,980 |
| Total risk-based capital ratio | 13.4658% | 5,083 |
| Memoranda: | ||
| Average total assets | $87,273,330 | 5,475 |
| Average earning assets | $80,096,330 | 5,437 |
| Average equity | $9,926,670 | 5,223 |
| Average total loans | $76,474,000 | 4,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 5,060 |
| Cost of funding earning assets | 0.7284% | 7,275 |
| Net interest margin | 4.2614% | 1,816 |
| Noninterest income to average assets | 0.5180% | 3,912 |
| Noninterest expense to average assets | 2.1129% | 6,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3129% | 206 |
| Return on assets (ROA) | 2.3129% | 230 |
| Pretax return on assets | 2.3129% | 341 |
| Return on Equity (ROE) | 20.6177% | 348 |
| Retained earnings to average equity (ytd only) | 5.4278% | 2,911 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7413% | 7,459 |
| Assets per employee ($millions) | 3.7210% | 4,524 |
| Cash dividends to net income (ytd only)* | 73.6739% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 6,292 |
| Loan loss allowance to noncurrent loans | 158.5742% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 4,453 |
| Noncurrent loans to loans | 0.6543% | 6,015 |
| Net loans and leases to total assets | 87.8942% | 130 |
| Net loans and leases to deposits | 99.1173% | 814 |
| Net loans and leases to core deposits | 102.9835% | 1,822 |
| Total domestic deposits to total assets | 88.6769% | 1,688 |
| Equity capital to assets | 11.1328% | 2,651 |
| Core capital (leverage) ratio | 10.6123% | 2,525 |
| Tier 1 risk-based capital ratio | 11.4425% | 5,724 |
| Total risk-based capital ratio | 12.4731% | 5,886 |
| Memoranda: | ||
| Average total assets | $88,029,500 | 5,514 |
| Average earning assets | $80,725,000 | 5,481 |
| Average equity | $9,875,000 | 5,272 |
| Average total loans | $78,054,000 | 4,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 5,063 |
| Cost of funding earning assets | 0.8961% | 7,411 |
| Net interest margin | 4.4282% | 1,350 |
| Noninterest income to average assets | 0.5402% | 4,109 |
| Noninterest expense to average assets | 2.0929% | 7,199 |
| Loan and lease loss provision to assets | 0.3518% | 4,694 |
| Net operating income to assets | 2.1382% | 168 |
| Return on assets (ROA) | 2.1382% | 183 |
| Pretax return on assets | 2.1382% | 319 |
| Return on Equity (ROE) | 18.5799% | 330 |
| Retained earnings to average equity (ytd only) | 3.0673% | 3,011 |
| Net charge-offs to loans | 0.3383% | 4,538 |
| Credit loss provision to net charge-offs | 115.2344% | 4,734 |
| Earnings coverage of net charge-offs (x) | 8.1563% | 1,988 |
| Efficiency ratio | 45.6674% | 7,729 |
| Assets per employee ($millions) | 3.6148% | 4,751 |
| Cash dividends to net income (ytd only)* | 83.4914% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 6,032 |
| Loan loss allowance to noncurrent loans | 210.4859% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 4,522 |
| Noncurrent loans to loans | 0.5092% | 6,233 |
| Net loans and leases to total assets | 87.5673% | 195 |
| Net loans and leases to deposits | 98.9592% | 1,004 |
| Net loans and leases to core deposits | 122.0366% | 1,776 |
| Total domestic deposits to total assets | 88.4883% | 1,737 |
| Equity capital to assets | 11.3054% | 2,461 |
| Core capital (leverage) ratio | 10.1982% | 2,886 |
| Tier 1 risk-based capital ratio | 11.7016% | 5,196 |
| Total risk-based capital ratio | 12.7711% | 5,335 |
| Memoranda: | ||
| Average total assets | $83,853,800 | 5,597 |
| Average earning assets | $76,555,200 | 5,579 |
| Average equity | $9,650,200 | 5,400 |
| Average total loans | $75,678,200 | 4,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3002% | 5,421 |
| Cost of funding earning assets | 0.9311% | 7,512 |
| Net interest margin | 4.3691% | 1,534 |
| Noninterest income to average assets | 0.5357% | 4,192 |
| Noninterest expense to average assets | 2.1268% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3978% | 123 |
| Return on assets (ROA) | 2.3978% | 137 |
| Pretax return on assets | 2.3978% | 233 |
| Return on Equity (ROE) | 20.7401% | 276 |
| Retained earnings to average equity (ytd only) | 6.9087% | 1,544 |
| Net charge-offs to loans | -0.0796% | 7,900 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0046% | 7,719 |
| Assets per employee ($millions) | 3.4948% | 4,944 |
| Cash dividends to net income (ytd only)* | 66.6891% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,805 |
| Loan loss allowance to noncurrent loans | 481.9767% | 658 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 4,925 |
| Noncurrent loans to loans | 0.2254% | 6,934 |
| Net loans and leases to total assets | 89.9721% | 118 |
| Net loans and leases to deposits | 106.3277% | 635 |
| Net loans and leases to core deposits | 134.3009% | 1,191 |
| Total domestic deposits to total assets | 84.6178% | 3,423 |
| Equity capital to assets | 11.9343% | 2,274 |
| Core capital (leverage) ratio | 11.0926% | 2,341 |
| Tier 1 risk-based capital ratio | 11.8982% | 5,064 |
| Total risk-based capital ratio | 12.9696% | 5,169 |
| Memoranda: | ||
| Average total assets | $83,128,500 | 5,650 |
| Average earning assets | $75,895,250 | 5,632 |
| Average equity | $9,610,750 | 5,454 |
| Average total loans | $75,399,750 | 4,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 5,420 |
| Cost of funding earning assets | 0.9753% | 7,590 |
| Net interest margin | 4.3692% | 1,473 |
| Noninterest income to average assets | 0.5237% | 4,242 |
| Noninterest expense to average assets | 2.1815% | 7,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3311% | 150 |
| Return on assets (ROA) | 2.3311% | 165 |
| Pretax return on assets | 2.3311% | 284 |
| Return on Equity (ROE) | 20.3848% | 314 |
| Retained earnings to average equity (ytd only) | -0.6542% | 5,390 |
| Net charge-offs to loans | -0.1065% | 7,962 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3422% | 7,741 |
| Assets per employee ($millions) | 3.5088% | 4,800 |
| Cash dividends to net income (ytd only)* | 103.2091% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,431 |
| Loan loss allowance to noncurrent loans | 490.4762% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,429 |
| Noncurrent loans to loans | 0.2292% | 6,934 |
| Net loans and leases to total assets | 89.8131% | 143 |
| Net loans and leases to deposits | 102.1521% | 1,065 |
| Net loans and leases to core deposits | 127.3921% | 1,754 |
| Total domestic deposits to total assets | 87.9210% | 1,809 |
| Equity capital to assets | 11.7482% | 2,353 |
| Core capital (leverage) ratio | 10.4705% | 2,836 |
| Tier 1 risk-based capital ratio | 11.5647% | 5,317 |
| Total risk-based capital ratio | 12.6629% | 5,392 |
| Memoranda: | ||
| Average total assets | $82,879,330 | 5,702 |
| Average earning assets | $75,666,670 | 5,685 |
| Average equity | $9,477,670 | 5,523 |
| Average total loans | $75,101,670 | 4,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 4,845 |
| Cost of funding earning assets | 1.0607% | 7,580 |
| Net interest margin | 4.4518% | 1,229 |
| Noninterest income to average assets | 0.5192% | 4,140 |
| Noninterest expense to average assets | 2.0770% | 7,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5010% | 137 |
| Return on assets (ROA) | 2.5010% | 167 |
| Pretax return on assets | 2.5010% | 261 |
| Return on Equity (ROE) | 22.1612% | 300 |
| Retained earnings to average equity (ytd only) | -3.0393% | 6,285 |
| Net charge-offs to loans | -0.0158% | 7,379 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3694% | 7,875 |
| Assets per employee ($millions) | 3.5164% | 4,774 |
| Cash dividends to net income (ytd only)* | 113.7143% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,895 |
| Loan loss allowance to noncurrent loans | 87.2506% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 4,513 |
| Noncurrent loans to loans | 1.1868% | 4,598 |
| Net loans and leases to total assets | 89.1223% | 187 |
| Net loans and leases to deposits | 100.6760% | 1,318 |
| Net loans and leases to core deposits | 124.5022% | 2,041 |
| Total domestic deposits to total assets | 88.5239% | 1,473 |
| Equity capital to assets | 11.1858% | 2,823 |
| Core capital (leverage) ratio | 10.2269% | 3,174 |
| Tier 1 risk-based capital ratio | 11.5354% | 5,372 |
| Total risk-based capital ratio | 12.5867% | 5,472 |
| Memoranda: | ||
| Average total assets | $83,968,000 | 5,672 |
| Average earning assets | $76,553,000 | 5,672 |
| Average equity | $9,476,000 | 5,545 |
| Average total loans | $76,000,000 | 4,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2699% | 4,125 |
| Cost of funding earning assets | 1.8654% | 6,835 |
| Net interest margin | 4.4045% | 1,672 |
| Noninterest income to average assets | 0.5715% | 4,071 |
| Noninterest expense to average assets | 2.1257% | 7,172 |
| Loan and lease loss provision to assets | 0.1662% | 5,256 |
| Net operating income to assets | 2.1985% | 240 |
| Return on assets (ROA) | 2.1985% | 236 |
| Pretax return on assets | 2.1985% | 400 |
| Return on Equity (ROE) | 19.5765% | 408 |
| Retained earnings to average equity (ytd only) | 4.4512% | 2,357 |
| Net charge-offs to loans | -0.0014% | 7,727 |
| Credit loss provision to net charge-offs | -13,700.0000% | 7,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3386% | 7,856 |
| Assets per employee ($millions) | 3.4810% | 4,724 |
| Cash dividends to net income (ytd only)* | 77.2627% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 5,763 |
| Loan loss allowance to noncurrent loans | 598.4733% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 6,863 |
| Noncurrent loans to loans | 0.1724% | 6,872 |
| Net loans and leases to total assets | 90.0327% | 194 |
| Net loans and leases to deposits | 102.0611% | 1,580 |
| Net loans and leases to core deposits | 126.0934% | 2,156 |
| Total domestic deposits to total assets | 88.2145% | 1,378 |
| Equity capital to assets | 11.3858% | 2,712 |
| Core capital (leverage) ratio | 10.2416% | 3,222 |
| Tier 1 risk-based capital ratio | 11.4775% | 5,258 |
| Total risk-based capital ratio | 12.5109% | 5,360 |
| Memoranda: | ||
| Average total assets | $82,419,000 | 5,615 |
| Average earning assets | $73,334,600 | 5,693 |
| Average equity | $9,256,000 | 5,648 |
| Average total loans | $74,010,200 | 4,737 |