Home > Home State Bank > Performance and Condition Ratios
Home State Bank, Performance and Condition Ratios
| 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 | 3.4821% | 7,613 |
| Cost of funding earning assets | 0.7588% | 7,040 |
| Net interest margin | 2.7233% | 7,234 |
| Noninterest income to average assets | 0.6513% | 3,006 |
| Noninterest expense to average assets | 2.6623% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5699% | 3,998 |
| Return on assets (ROA) | 0.5699% | 4,145 |
| Pretax return on assets | 0.6188% | 4,513 |
| Return on Equity (ROE) | 7.5067% | 3,114 |
| Retained earnings to average equity (ytd only) | 0.5362% | 5,546 |
| 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 | 81.1414% | 2,280 |
| Assets per employee ($millions) | 3.8191% | 4,179 |
| Cash dividends to net income (ytd only)* | 92.8571% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.6212% | 7,240 |
| Net loans and leases to deposits | 42.5580% | 7,373 |
| Net loans and leases to core deposits | 44.4832% | 7,393 |
| Total domestic deposits to total assets | 90.7496% | 580 |
| Equity capital to assets | 6.9574% | 7,366 |
| Core capital (leverage) ratio | 7.0332% | 7,170 |
| Tier 1 risk-based capital ratio | 18.1410% | 1,927 |
| Total risk-based capital ratio | 19.1846% | 1,943 |
| Memoranda: | ||
| Average total assets | $24,565,000 | 7,510 |
| Average earning assets | $23,721,330 | 7,447 |
| Average equity | $1,865,000 | 7,688 |
| Average total loans | $10,308,000 | 7,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 7,653 |
| Cost of funding earning assets | 0.7594% | 7,209 |
| Net interest margin | 2.8963% | 7,025 |
| Noninterest income to average assets | 0.7666% | 2,195 |
| Noninterest expense to average assets | 2.6916% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8177% | 2,889 |
| Return on assets (ROA) | 0.8177% | 2,984 |
| Pretax return on assets | 0.8688% | 3,589 |
| Return on Equity (ROE) | 10.2811% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.1406% | 3,073 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5981% | 3,290 |
| Assets per employee ($millions) | 3.7113% | 4,551 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 6,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 38.6581% | 7,323 |
| Net loans and leases to deposits | 42.8127% | 7,433 |
| Net loans and leases to core deposits | 44.8188% | 7,459 |
| Total domestic deposits to total assets | 90.2960% | 835 |
| Equity capital to assets | 7.2366% | 7,261 |
| Core capital (leverage) ratio | 7.8786% | 6,404 |
| Tier 1 risk-based capital ratio | 18.9899% | 1,726 |
| Total risk-based capital ratio | 20.0707% | 1,730 |
| Memoranda: | ||
| Average total assets | $23,480,500 | 7,640 |
| Average earning assets | $22,649,500 | 7,576 |
| Average equity | $1,867,500 | 7,772 |
| Average total loans | $10,246,000 | 7,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 7,240 |
| Cost of funding earning assets | 0.8510% | 7,485 |
| Net interest margin | 3.7790% | 3,799 |
| Noninterest income to average assets | 0.6348% | 3,389 |
| Noninterest expense to average assets | 3.0890% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0233% | 1,767 |
| Return on assets (ROA) | 1.0233% | 1,810 |
| Pretax return on assets | 1.0802% | 2,305 |
| Return on Equity (ROE) | 12.0805% | 1,143 |
| Retained earnings to average equity (ytd only) | 6.7673% | 1,050 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0909% | 3,878 |
| Assets per employee ($millions) | 2.9974% | 6,235 |
| Cash dividends to net income (ytd only)* | 43.9815% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 6,196 |
| 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 | 48.7799% | 6,752 |
| Net loans and leases to deposits | 53.5780% | 7,080 |
| Net loans and leases to core deposits | 61.8653% | 7,196 |
| Total domestic deposits to total assets | 91.0447% | 519 |
| Equity capital to assets | 8.8409% | 5,367 |
| Core capital (leverage) ratio | 8.1385% | 5,933 |
| Tier 1 risk-based capital ratio | 18.8172% | 1,698 |
| Total risk-based capital ratio | 19.9026% | 1,691 |
| Memoranda: | ||
| Average total assets | $21,107,400 | 7,748 |
| Average earning assets | $19,740,800 | 7,716 |
| Average equity | $1,788,000 | 7,878 |
| Average total loans | $10,572,800 | 7,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 7,261 |
| Cost of funding earning assets | 0.8491% | 7,628 |
| Net interest margin | 3.8652% | 3,365 |
| Noninterest income to average assets | 0.5992% | 3,720 |
| Noninterest expense to average assets | 3.0402% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0912% | 1,764 |
| Return on assets (ROA) | 1.0912% | 1,825 |
| Pretax return on assets | 1.1479% | 2,422 |
| Return on Equity (ROE) | 13.0224% | 1,113 |
| Retained earnings to average equity (ytd only) | 5.8716% | 2,013 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5904% | 4,129 |
| Assets per employee ($millions) | 2.8283% | 6,592 |
| Cash dividends to net income (ytd only)* | 54.9120% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,387 |
| 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 | 54.4045% | 6,334 |
| Net loans and leases to deposits | 59.9722% | 6,830 |
| Net loans and leases to core deposits | 67.0923% | 7,110 |
| Total domestic deposits to total assets | 90.7162% | 507 |
| Equity capital to assets | 9.1575% | 5,243 |
| Core capital (leverage) ratio | 8.4692% | 5,545 |
| Tier 1 risk-based capital ratio | 17.0571% | 2,260 |
| Total risk-based capital ratio | 18.0638% | 2,284 |
| Memoranda: | ||
| Average total assets | $21,138,750 | 7,821 |
| Average earning assets | $19,627,750 | 7,794 |
| Average equity | $1,771,250 | 7,964 |
| Average total loans | $10,630,500 | 7,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 7,427 |
| Cost of funding earning assets | 0.8468% | 7,765 |
| Net interest margin | 3.8209% | 3,455 |
| Noninterest income to average assets | 0.5930% | 3,755 |
| Noninterest expense to average assets | 2.9649% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0933% | 1,795 |
| Return on assets (ROA) | 1.0933% | 1,869 |
| Pretax return on assets | 1.1396% | 2,502 |
| Return on Equity (ROE) | 13.4295% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.3490% | 2,321 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2348% | 4,365 |
| Assets per employee ($millions) | 3.1359% | 5,754 |
| Cash dividends to net income (ytd only)* | 60.1695% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 6,159 |
| 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 | 47.7837% | 7,052 |
| Net loans and leases to deposits | 52.0546% | 7,377 |
| Net loans and leases to core deposits | 57.4834% | 7,540 |
| Total domestic deposits to total assets | 91.7954% | 246 |
| Equity capital to assets | 8.1135% | 6,616 |
| Core capital (leverage) ratio | 8.0775% | 6,204 |
| Tier 1 risk-based capital ratio | 17.2044% | 2,231 |
| Total risk-based capital ratio | 18.2380% | 2,254 |
| Memoranda: | ||
| Average total assets | $21,585,670 | 7,886 |
| Average earning assets | $19,838,330 | 7,866 |
| Average equity | $1,757,330 | 8,052 |
| Average total loans | $10,548,000 | 7,834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 7,226 |
| Cost of funding earning assets | 0.8546% | 7,860 |
| Net interest margin | 4.0227% | 2,564 |
| Noninterest income to average assets | 0.5233% | 4,110 |
| Noninterest expense to average assets | 3.1584% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9158% | 2,633 |
| Return on assets (ROA) | 0.9158% | 2,776 |
| Pretax return on assets | 0.9718% | 3,459 |
| Return on Equity (ROE) | 11.2289% | 1,903 |
| Retained earnings to average equity (ytd only) | 5.0415% | 3,102 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 3,408 |
| Assets per employee ($millions) | 3.1880% | 5,632 |
| Cash dividends to net income (ytd only)* | 55.1020% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,177 |
| 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 | 47.4368% | 7,069 |
| Net loans and leases to deposits | 51.5636% | 7,431 |
| Net loans and leases to core deposits | 55.9248% | 7,622 |
| Total domestic deposits to total assets | 91.9968% | 188 |
| Equity capital to assets | 7.8733% | 6,983 |
| Core capital (leverage) ratio | 8.1245% | 6,245 |
| Tier 1 risk-based capital ratio | 16.8150% | 2,396 |
| Total risk-based capital ratio | 17.8390% | 2,408 |
| Memoranda: | ||
| Average total assets | $21,403,000 | 7,942 |
| Average earning assets | $19,191,000 | 7,929 |
| Average equity | $1,745,500 | 8,105 |
| Average total loans | $10,524,000 | 7,879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7247% | 6,696 |
| Cost of funding earning assets | 1.3021% | 7,848 |
| Net interest margin | 4.4226% | 1,618 |
| Noninterest income to average assets | 0.7486% | 2,793 |
| Noninterest expense to average assets | 3.1866% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5231% | 974 |
| Return on assets (ROA) | 1.5231% | 942 |
| Pretax return on assets | 1.5699% | 1,479 |
| Return on Equity (ROE) | 16.7352% | 668 |
| Retained earnings to average equity (ytd only) | 2.1704% | 3,874 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9945% | 4,909 |
| Assets per employee ($millions) | 2.9271% | 6,227 |
| Cash dividends to net income (ytd only)* | 87.0307% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,758 |
| 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 | 50.0146% | 7,034 |
| Net loans and leases to deposits | 54.7260% | 7,397 |
| Net loans and leases to core deposits | 59.6542% | 7,596 |
| Total domestic deposits to total assets | 91.3909% | 224 |
| Equity capital to assets | 8.4627% | 6,154 |
| Core capital (leverage) ratio | 8.4445% | 5,667 |
| Tier 1 risk-based capital ratio | 17.2812% | 2,238 |
| Total risk-based capital ratio | 18.3476% | 2,228 |
| Memoranda: | ||
| Average total assets | $19,236,800 | 8,044 |
| Average earning assets | $17,433,200 | 8,024 |
| Average equity | $1,750,800 | 8,169 |
| Average total loans | $10,050,800 | 7,937 |