Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 3,855 |
| Cost of funding earning assets | 1.1748% | 4,702 |
| Net interest margin | 3.9742% | 3,126 |
| Noninterest income to average assets | 0.6183% | 3,352 |
| Noninterest expense to average assets | 4.0535% | 1,088 |
| Loan and lease loss provision to assets | 4.4032% | 123 |
| Net operating income to assets | -4.1928% | 7,463 |
| Return on assets (ROA) | -4.1555% | 7,463 |
| Pretax return on assets | -4.1544% | 7,457 |
| Return on Equity (ROE) | -153.1562% | 7,637 |
| Retained earnings to average equity (ytd only) | -153.1562% | 7,637 |
| Net charge-offs to loans | 3.5482% | 398 |
| Credit loss provision to net charge-offs | 159.0729% | 2,206 |
| Earnings coverage of net charge-offs (x) | 0.0764% | 6,045 |
| Efficiency ratio | 95.0394% | 1,009 |
| Assets per employee ($millions) | 3.5182% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2085% | 169 |
| Loan loss allowance to noncurrent loans | 31.7592% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 15.4866% | 149 |
| Noncurrent loans to loans | 16.4000% | 120 |
| Net loans and leases to total assets | 77.4439% | 1,024 |
| Net loans and leases to deposits | 77.5742% | 3,580 |
| Net loans and leases to core deposits | 81.9346% | 3,917 |
| Total domestic deposits to total assets | 99.8320% | 4 |
| Equity capital to assets | -0.3004% | 7,649 |
| Core capital (leverage) ratio | -0.2527% | 7,649 |
| Tier 1 risk-based capital ratio | -0.3467% | 7,649 |
| Total risk-based capital ratio | -0.3467% | 7,649 |
| Memoranda: | ||
| Average total assets | $437,200,400 | 1,525 |
| Average earning assets | $401,185,600 | 1,516 |
| Average equity | $11,862,400 | 4,647 |
| Average total loans | $341,071,400 | 1,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 3,615 |
| Cost of funding earning assets | 1.2115% | 4,795 |
| Net interest margin | 4.0319% | 2,947 |
| Noninterest income to average assets | 0.7423% | 2,567 |
| Noninterest expense to average assets | 3.9488% | 1,118 |
| Loan and lease loss provision to assets | 3.2386% | 244 |
| Net operating income to assets | -2.7808% | 7,404 |
| Return on assets (ROA) | -2.7283% | 7,414 |
| Pretax return on assets | -2.6855% | 7,357 |
| Return on Equity (ROE) | -80.9877% | 7,659 |
| Retained earnings to average equity (ytd only) | -80.9877% | 7,659 |
| Net charge-offs to loans | 2.5079% | 673 |
| Credit loss provision to net charge-offs | 167.2496% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.2585% | 5,761 |
| Efficiency ratio | 88.7509% | 1,386 |
| Assets per employee ($millions) | 3.8718% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1452% | 328 |
| Loan loss allowance to noncurrent loans | 32.3827% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 11.4815% | 302 |
| Noncurrent loans to loans | 12.8006% | 240 |
| Net loans and leases to total assets | 74.5378% | 1,681 |
| Net loans and leases to deposits | 76.3893% | 4,109 |
| Net loans and leases to core deposits | 80.7083% | 4,419 |
| Total domestic deposits to total assets | 97.5761% | 10 |
| Equity capital to assets | 2.0041% | 7,726 |
| Core capital (leverage) ratio | 1.7830% | 7,721 |
| Tier 1 risk-based capital ratio | 2.4246% | 7,724 |
| Total risk-based capital ratio | 3.7114% | 7,725 |
| Memoranda: | ||
| Average total assets | $448,869,500 | 1,507 |
| Average earning assets | $412,703,250 | 1,496 |
| Average equity | $15,121,250 | 3,969 |
| Average total loans | $346,575,500 | 1,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3220% | 3,361 |
| Cost of funding earning assets | 1.2476% | 4,846 |
| Net interest margin | 4.0743% | 2,683 |
| Noninterest income to average assets | 0.8756% | 1,778 |
| Noninterest expense to average assets | 3.9720% | 1,079 |
| Loan and lease loss provision to assets | 1.0285% | 1,419 |
| Net operating income to assets | -0.4407% | 6,602 |
| Return on assets (ROA) | -0.3414% | 6,555 |
| Pretax return on assets | -0.2781% | 6,402 |
| Return on Equity (ROE) | -8.9875% | 6,928 |
| Retained earnings to average equity (ytd only) | -8.9875% | 6,867 |
| Net charge-offs to loans | 2.1380% | 843 |
| Credit loss provision to net charge-offs | 62.4433% | 5,156 |
| Earnings coverage of net charge-offs (x) | 0.3953% | 5,341 |
| Efficiency ratio | 85.9166% | 1,718 |
| Assets per employee ($millions) | 3.7440% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3414% | 1,522 |
| Loan loss allowance to noncurrent loans | 19.1869% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 11.0342% | 321 |
| Noncurrent loans to loans | 12.2034% | 275 |
| Net loans and leases to total assets | 75.4629% | 1,602 |
| Net loans and leases to deposits | 78.9598% | 3,805 |
| Net loans and leases to core deposits | 83.5343% | 4,207 |
| Total domestic deposits to total assets | 95.5714% | 34 |
| Equity capital to assets | 3.7963% | 7,707 |
| Core capital (leverage) ratio | 3.6211% | 7,704 |
| Tier 1 risk-based capital ratio | 4.7947% | 7,712 |
| Total risk-based capital ratio | 6.0582% | 7,717 |
| Memoranda: | ||
| Average total assets | $455,236,000 | 1,498 |
| Average earning assets | $418,718,000 | 1,479 |
| Average equity | $17,290,670 | 3,586 |
| Average total loans | $350,702,670 | 1,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 3,473 |
| Cost of funding earning assets | 1.3114% | 4,743 |
| Net interest margin | 4.0031% | 2,860 |
| Noninterest income to average assets | 0.7833% | 2,103 |
| Noninterest expense to average assets | 4.0323% | 983 |
| Loan and lease loss provision to assets | 0.3356% | 3,378 |
| Net operating income to assets | -0.0222% | 6,338 |
| Return on assets (ROA) | -0.0200% | 6,424 |
| Pretax return on assets | 0.1052% | 6,119 |
| Return on Equity (ROE) | -0.5263% | 6,474 |
| Retained earnings to average equity (ytd only) | -0.5263% | 5,956 |
| Net charge-offs to loans | 0.9245% | 1,736 |
| Credit loss provision to net charge-offs | 47.1883% | 4,526 |
| Earnings coverage of net charge-offs (x) | 0.6149% | 4,476 |
| Efficiency ratio | 90.2159% | 1,420 |
| Assets per employee ($millions) | 3.6949% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5615% | 1,221 |
| Loan loss allowance to noncurrent loans | 21.4086% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 10.5947% | 356 |
| Noncurrent loans to loans | 11.9650% | 294 |
| Net loans and leases to total assets | 75.0301% | 1,736 |
| Net loans and leases to deposits | 78.3675% | 3,971 |
| Net loans and leases to core deposits | 83.4813% | 4,273 |
| Total domestic deposits to total assets | 95.7413% | 37 |
| Equity capital to assets | 3.8349% | 7,807 |
| Core capital (leverage) ratio | 3.7088% | 7,798 |
| Tier 1 risk-based capital ratio | 4.9049% | 7,803 |
| Total risk-based capital ratio | 6.1713% | 7,805 |
| Memoranda: | ||
| Average total assets | $460,087,000 | 1,528 |
| Average earning assets | $423,670,500 | 1,510 |
| Average equity | $17,479,000 | 3,574 |
| Average total loans | $353,917,000 | 1,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 3,435 |
| Cost of funding earning assets | 2.0006% | 2,963 |
| Net interest margin | 3.6305% | 4,430 |
| Noninterest income to average assets | 0.4937% | 4,462 |
| Noninterest expense to average assets | 3.8065% | 1,688 |
| Loan and lease loss provision to assets | 3.4155% | 462 |
| Net operating income to assets | -3.0709% | 7,409 |
| Return on assets (ROA) | -2.6582% | 7,318 |
| Pretax return on assets | -2.9324% | 7,273 |
| Return on Equity (ROE) | -48.2560% | 7,669 |
| Retained earnings to average equity (ytd only) | -48.2560% | 7,662 |
| Net charge-offs to loans | 3.7553% | 487 |
| Credit loss provision to net charge-offs | 117.0310% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.0101% | 6,183 |
| Efficiency ratio | 99.2291% | 1,143 |
| Assets per employee ($millions) | 3.5815% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6670% | 1,047 |
| Loan loss allowance to noncurrent loans | 24.8961% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 9.5818% | 405 |
| Noncurrent loans to loans | 10.7127% | 359 |
| Net loans and leases to total assets | 74.7965% | 2,077 |
| Net loans and leases to deposits | 78.0879% | 4,353 |
| Net loans and leases to core deposits | 98.9653% | 4,119 |
| Total domestic deposits to total assets | 95.7849% | 37 |
| Equity capital to assets | 3.7635% | 7,876 |
| Core capital (leverage) ratio | 3.6253% | 7,864 |
| Tier 1 risk-based capital ratio | 4.8588% | 7,880 |
| Total risk-based capital ratio | 6.1263% | 7,883 |
| Memoranda: | ||
| Average total assets | $473,396,600 | 1,469 |
| Average earning assets | $435,829,600 | 1,453 |
| Average equity | $26,077,600 | 2,521 |
| Average total loans | $367,905,600 | 1,304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7386% | 3,145 |
| Cost of funding earning assets | 2.1029% | 2,880 |
| Net interest margin | 3.6357% | 4,347 |
| Noninterest income to average assets | 0.6064% | 3,648 |
| Noninterest expense to average assets | 3.7288% | 1,753 |
| Loan and lease loss provision to assets | 1.7856% | 1,038 |
| Net operating income to assets | -1.5611% | 7,141 |
| Return on assets (ROA) | -1.0084% | 6,847 |
| Pretax return on assets | -1.0079% | 6,692 |
| Return on Equity (ROE) | -17.0002% | 7,271 |
| Retained earnings to average equity (ytd only) | -17.0002% | 7,231 |
| Net charge-offs to loans | 2.2159% | 868 |
| Credit loss provision to net charge-offs | 103.4047% | 4,924 |
| Earnings coverage of net charge-offs (x) | 0.1303% | 5,901 |
| Efficiency ratio | 94.3072% | 1,383 |
| Assets per employee ($millions) | 3.7944% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,791 |
| Loan loss allowance to noncurrent loans | 21.3561% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 8.7070% | 457 |
| Noncurrent loans to loans | 9.3870% | 453 |
| Net loans and leases to total assets | 75.5047% | 2,098 |
| Net loans and leases to deposits | 81.4033% | 4,131 |
| Net loans and leases to core deposits | 107.0416% | 3,585 |
| Total domestic deposits to total assets | 92.7539% | 105 |
| Equity capital to assets | 5.6376% | 7,903 |
| Core capital (leverage) ratio | 5.3668% | 7,889 |
| Tier 1 risk-based capital ratio | 7.1608% | 7,878 |
| Total risk-based capital ratio | 8.4200% | 7,882 |
| Memoranda: | ||
| Average total assets | $476,243,000 | 1,469 |
| Average earning assets | $438,495,000 | 1,451 |
| Average equity | $28,250,000 | 2,374 |
| Average total loans | $371,122,750 | 1,309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 2,501 |
| Cost of funding earning assets | 2.1397% | 3,089 |
| Net interest margin | 3.7799% | 3,637 |
| Noninterest income to average assets | 0.5695% | 3,898 |
| Noninterest expense to average assets | 3.7606% | 1,724 |
| Loan and lease loss provision to assets | 1.9954% | 814 |
| Net operating income to assets | -1.7119% | 7,328 |
| Return on assets (ROA) | -1.2472% | 7,145 |
| Pretax return on assets | -1.2464% | 6,966 |
| Return on Equity (ROE) | -20.6861% | 7,519 |
| Retained earnings to average equity (ytd only) | -20.6861% | 7,472 |
| Net charge-offs to loans | 2.5897% | 654 |
| Credit loss provision to net charge-offs | 98.5093% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.1404% | 5,528 |
| Efficiency ratio | 92.9705% | 1,567 |
| Assets per employee ($millions) | 3.8256% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 1,815 |
| Loan loss allowance to noncurrent loans | 31.3345% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 6.2331% | 761 |
| Noncurrent loans to loans | 6.0413% | 903 |
| Net loans and leases to total assets | 74.5511% | 2,556 |
| Net loans and leases to deposits | 82.0177% | 4,219 |
| Net loans and leases to core deposits | 109.6609% | 3,414 |
| Total domestic deposits to total assets | 90.8963% | 492 |
| Equity capital to assets | 5.4568% | 8,006 |
| Core capital (leverage) ratio | 5.5086% | 7,980 |
| Tier 1 risk-based capital ratio | 7.1752% | 7,994 |
| Total risk-based capital ratio | 8.4329% | 7,998 |
| Memoranda: | ||
| Average total assets | $476,892,330 | 1,491 |
| Average earning assets | $438,476,670 | 1,473 |
| Average equity | $28,753,670 | 2,353 |
| Average total loans | $373,016,670 | 1,325 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0964% | 1,962 |
| Cost of funding earning assets | 2.2151% | 3,088 |
| Net interest margin | 3.8813% | 3,131 |
| Noninterest income to average assets | 0.4157% | 5,088 |
| Noninterest expense to average assets | 3.6863% | 1,683 |
| Loan and lease loss provision to assets | 1.8848% | 650 |
| Net operating income to assets | -1.5924% | 7,537 |
| Return on assets (ROA) | -1.3705% | 7,462 |
| Pretax return on assets | -1.3688% | 7,327 |
| Return on Equity (ROE) | -21.6594% | 7,789 |
| Retained earnings to average equity (ytd only) | -21.6594% | 7,692 |
| Net charge-offs to loans | 1.6751% | 860 |
| Credit loss provision to net charge-offs | 141.7519% | 2,887 |
| Earnings coverage of net charge-offs (x) | 0.2212% | 4,807 |
| Efficiency ratio | 92.6100% | 1,531 |
| Assets per employee ($millions) | 3.7255% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 1,246 |
| Loan loss allowance to noncurrent loans | 39.7056% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 5.7960% | 708 |
| Noncurrent loans to loans | 5.2725% | 1,005 |
| Net loans and leases to total assets | 75.5912% | 2,365 |
| Net loans and leases to deposits | 83.6750% | 4,030 |
| Net loans and leases to core deposits | 110.3425% | 3,389 |
| Total domestic deposits to total assets | 90.3390% | 661 |
| Equity capital to assets | 6.0371% | 7,990 |
| Core capital (leverage) ratio | 5.8941% | 8,023 |
| Tier 1 risk-based capital ratio | 7.5192% | 8,061 |
| Total risk-based capital ratio | 8.7796% | 8,073 |
| Memoranda: | ||
| Average total assets | $470,499,000 | 1,523 |
| Average earning assets | $432,121,500 | 1,503 |
| Average equity | $29,770,000 | 2,298 |
| Average total loans | $373,472,500 | 1,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6804% | 2,101 |
| Cost of funding earning assets | 2.4041% | 4,708 |
| Net interest margin | 4.2764% | 2,056 |
| Noninterest income to average assets | -0.0019% | 8,151 |
| Noninterest expense to average assets | 4.7041% | 763 |
| Loan and lease loss provision to assets | 2.0828% | 566 |
| Net operating income to assets | -2.8838% | 7,798 |
| Return on assets (ROA) | -2.8451% | 7,755 |
| Pretax return on assets | -2.8669% | 7,675 |
| Return on Equity (ROE) | -35.8068% | 8,034 |
| Retained earnings to average equity (ytd only) | -35.8068% | 7,999 |
| Net charge-offs to loans | 2.0853% | 510 |
| Credit loss provision to net charge-offs | 124.0778% | 4,318 |
| Earnings coverage of net charge-offs (x) | -0.4904% | 6,482 |
| Efficiency ratio | 97.1807% | 1,093 |
| Assets per employee ($millions) | 3.1535% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,435 |
| Loan loss allowance to noncurrent loans | 56.7917% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 4.5588% | 816 |
| Noncurrent loans to loans | 3.3334% | 1,556 |
| Net loans and leases to total assets | 80.0980% | 1,644 |
| Net loans and leases to deposits | 89.5539% | 3,525 |
| Net loans and leases to core deposits | 119.3617% | 2,752 |
| Total domestic deposits to total assets | 89.4410% | 869 |
| Equity capital to assets | 6.6302% | 7,893 |
| Core capital (leverage) ratio | 6.2863% | 7,996 |
| Tier 1 risk-based capital ratio | 7.8712% | 8,103 |
| Total risk-based capital ratio | 9.1292% | 8,132 |
| Memoranda: | ||
| Average total assets | $478,011,400 | 1,438 |
| Average earning assets | $434,014,200 | 1,443 |
| Average equity | $37,981,600 | 1,780 |
| Average total loans | $384,788,200 | 1,259 |