Home > Peoples State Bank > Performance and Condition Ratios
Peoples 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 | 4.7856% | 5,841 |
| Cost of funding earning assets | 1.7011% | 2,114 |
| Net interest margin | 3.0844% | 6,642 |
| Noninterest income to average assets | 0.6291% | 3,134 |
| Noninterest expense to average assets | 5.3124% | 304 |
| Loan and lease loss provision to assets | 3.7591% | 216 |
| Net operating income to assets | -3.6594% | 7,593 |
| Return on assets (ROA) | -3.6892% | 7,599 |
| Pretax return on assets | -5.9260% | 7,725 |
| Return on Equity (ROE) | -40.4371% | 7,537 |
| Retained earnings to average equity (ytd only) | -40.4371% | 7,530 |
| Net charge-offs to loans | 6.5789% | 103 |
| Credit loss provision to net charge-offs | 83.1615% | 4,626 |
| Earnings coverage of net charge-offs (x) | -0.4691% | 6,006 |
| Efficiency ratio | 166.4234% | 159 |
| Assets per employee ($millions) | 2.7774% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 1,147 |
| Loan loss allowance to noncurrent loans | 32.3077% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 6.5688% | 848 |
| Noncurrent loans to loans | 8.1712% | 628 |
| Net loans and leases to total assets | 65.0638% | 4,030 |
| Net loans and leases to deposits | 71.2271% | 5,113 |
| Net loans and leases to core deposits | 91.6902% | 3,031 |
| Total domestic deposits to total assets | 91.3470% | 374 |
| Equity capital to assets | 8.4010% | 6,302 |
| Core capital (leverage) ratio | 6.7450% | 7,308 |
| Tier 1 risk-based capital ratio | 10.6328% | 6,583 |
| Total risk-based capital ratio | 11.9034% | 6,558 |
| Memoranda: | ||
| Average total assets | $25,751,000 | 7,477 |
| Average earning assets | $21,397,670 | 7,522 |
| Average equity | $2,349,330 | 7,590 |
| Average total loans | $17,693,000 | 7,191 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 6,071 |
| Cost of funding earning assets | 1.6376% | 2,724 |
| Net interest margin | 3.1132% | 6,555 |
| Noninterest income to average assets | 0.7195% | 2,470 |
| Noninterest expense to average assets | 5.2970% | 298 |
| Loan and lease loss provision to assets | 2.9241% | 343 |
| Net operating income to assets | -3.0490% | 7,645 |
| Return on assets (ROA) | -3.1078% | 7,647 |
| Pretax return on assets | -4.9449% | 7,760 |
| Return on Equity (ROE) | -32.8213% | 7,604 |
| Retained earnings to average equity (ytd only) | -32.8213% | 7,583 |
| Net charge-offs to loans | 7.0820% | 133 |
| Credit loss provision to net charge-offs | 59.3168% | 4,317 |
| Earnings coverage of net charge-offs (x) | -0.3913% | 5,242 |
| Efficiency ratio | 157.2727% | 187 |
| Assets per employee ($millions) | 2.8979% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,570 |
| Loan loss allowance to noncurrent loans | 36.2667% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 5.3909% | 1,157 |
| Noncurrent loans to loans | 6.3567% | 991 |
| Net loans and leases to total assets | 66.2935% | 3,788 |
| Net loans and leases to deposits | 73.0893% | 4,889 |
| Net loans and leases to core deposits | 93.1523% | 2,959 |
| Total domestic deposits to total assets | 90.7020% | 654 |
| Equity capital to assets | 9.0947% | 5,142 |
| Core capital (leverage) ratio | 7.5794% | 6,764 |
| Tier 1 risk-based capital ratio | 11.4454% | 5,723 |
| Total risk-based capital ratio | 12.7085% | 5,692 |
| Memoranda: | ||
| Average total assets | $26,128,000 | 7,562 |
| Average earning assets | $22,228,000 | 7,591 |
| Average equity | $2,474,000 | 7,644 |
| Average total loans | $18,187,000 | 7,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 6,475 |
| Cost of funding earning assets | 1.8306% | 3,831 |
| Net interest margin | 3.1567% | 6,213 |
| Noninterest income to average assets | 0.4457% | 4,838 |
| Noninterest expense to average assets | 11.0401% | 87 |
| Loan and lease loss provision to assets | 1.3619% | 1,693 |
| Net operating income to assets | -8.2995% | 7,942 |
| Return on assets (ROA) | -8.2774% | 7,938 |
| Pretax return on assets | -9.2538% | 7,955 |
| Return on Equity (ROE) | -58.9510% | 7,748 |
| Retained earnings to average equity (ytd only) | -58.9510% | 7,743 |
| Net charge-offs to loans | 1.0400% | 2,332 |
| Credit loss provision to net charge-offs | 181.6038% | 2,275 |
| Earnings coverage of net charge-offs (x) | -10.5566% | 7,165 |
| Efficiency ratio | 137.2593% | 406 |
| Assets per employee ($millions) | 3.2719% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8861% | 850 |
| Loan loss allowance to noncurrent loans | 50.1395% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 5.3333% | 1,106 |
| Noncurrent loans to loans | 5.7561% | 1,107 |
| Net loans and leases to total assets | 69.2913% | 3,418 |
| Net loans and leases to deposits | 77.0051% | 4,562 |
| Net loans and leases to core deposits | 98.2556% | 4,198 |
| Total domestic deposits to total assets | 89.9828% | 971 |
| Equity capital to assets | 9.8415% | 3,953 |
| Core capital (leverage) ratio | 8.5939% | 5,107 |
| Tier 1 risk-based capital ratio | 12.9709% | 4,162 |
| Total risk-based capital ratio | 14.2433% | 4,095 |
| Memoranda: | ||
| Average total assets | $28,269,600 | 7,533 |
| Average earning assets | $23,980,800 | 7,581 |
| Average equity | $3,969,400 | 7,308 |
| Average total loans | $20,385,400 | 7,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 6,685 |
| Cost of funding earning assets | 1.9029% | 3,870 |
| Net interest margin | 3.0701% | 6,401 |
| Noninterest income to average assets | 0.5418% | 4,142 |
| Noninterest expense to average assets | 11.1644% | 92 |
| Loan and lease loss provision to assets | 0.6529% | 2,793 |
| Net operating income to assets | -8.0569% | 8,013 |
| Return on assets (ROA) | -8.0526% | 8,011 |
| Pretax return on assets | -8.7009% | 8,017 |
| Return on Equity (ROE) | -53.6995% | 7,859 |
| Retained earnings to average equity (ytd only) | -53.6995% | 7,853 |
| Net charge-offs to loans | 0.6919% | 2,619 |
| Credit loss provision to net charge-offs | 130.5556% | 3,834 |
| Earnings coverage of net charge-offs (x) | -16.1015% | 6,932 |
| Efficiency ratio | 135.5655% | 419 |
| Assets per employee ($millions) | 3.3551% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 1,683 |
| Loan loss allowance to noncurrent loans | 34.4560% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 5.7822% | 957 |
| Noncurrent loans to loans | 5.9574% | 998 |
| Net loans and leases to total assets | 70.9325% | 3,287 |
| Net loans and leases to deposits | 80.7559% | 4,245 |
| Net loans and leases to core deposits | 101.7911% | 4,175 |
| Total domestic deposits to total assets | 87.8358% | 1,731 |
| Equity capital to assets | 11.8550% | 2,319 |
| Core capital (leverage) ratio | 9.1092% | 4,478 |
| Tier 1 risk-based capital ratio | 13.5306% | 3,824 |
| Total risk-based capital ratio | 14.7932% | 3,752 |
| Memoranda: | ||
| Average total assets | $28,793,250 | 7,581 |
| Average earning assets | $24,102,750 | 7,648 |
| Average equity | $4,317,750 | 7,245 |
| Average total loans | $20,812,750 | 7,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 6,608 |
| Cost of funding earning assets | 1.9795% | 3,873 |
| Net interest margin | 3.0728% | 6,325 |
| Noninterest income to average assets | 0.5977% | 3,716 |
| Noninterest expense to average assets | 4.1570% | 1,118 |
| Loan and lease loss provision to assets | 0.1291% | 5,810 |
| Net operating income to assets | -0.7447% | 6,789 |
| Return on assets (ROA) | -0.7404% | 6,791 |
| Pretax return on assets | -1.1615% | 6,911 |
| Return on Equity (ROE) | -4.6419% | 6,567 |
| Retained earnings to average equity (ytd only) | -4.6419% | 6,246 |
| Net charge-offs to loans | -0.1410% | 8,000 |
| Credit loss provision to net charge-offs | -126.6667% | 6,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3333% | 493 |
| Assets per employee ($millions) | 3.6385% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 1,830 |
| Loan loss allowance to noncurrent loans | 25.1414% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 6.6683% | 669 |
| Noncurrent loans to loans | 7.4966% | 621 |
| Net loans and leases to total assets | 71.5370% | 3,334 |
| Net loans and leases to deposits | 86.2843% | 3,496 |
| Net loans and leases to core deposits | 103.1352% | 4,165 |
| Total domestic deposits to total assets | 82.9085% | 4,289 |
| Equity capital to assets | 16.5247% | 745 |
| Core capital (leverage) ratio | 9.7377% | 3,589 |
| Tier 1 risk-based capital ratio | 13.2656% | 3,964 |
| Total risk-based capital ratio | 14.5266% | 3,872 |
| Memoranda: | ||
| Average total assets | $29,444,000 | 7,625 |
| Average earning assets | $24,147,670 | 7,716 |
| Average equity | $4,696,330 | 7,175 |
| Average total loans | $21,271,000 | 7,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 7,246 |
| Cost of funding earning assets | 2.1735% | 3,304 |
| Net interest margin | 2.6958% | 7,212 |
| Noninterest income to average assets | 0.6079% | 3,492 |
| Noninterest expense to average assets | 4.0794% | 1,088 |
| Loan and lease loss provision to assets | 0.0135% | 6,676 |
| Net operating income to assets | -0.8461% | 7,152 |
| Return on assets (ROA) | -0.8375% | 7,181 |
| Pretax return on assets | -1.3103% | 7,303 |
| Return on Equity (ROE) | -5.3454% | 7,004 |
| Retained earnings to average equity (ytd only) | -5.3454% | 6,601 |
| Net charge-offs to loans | -0.3193% | 8,074 |
| Credit loss provision to net charge-offs | -5.8824% | 6,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.3171% | 367 |
| Assets per employee ($millions) | 3.7489% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 1,839 |
| Loan loss allowance to noncurrent loans | 21.6582% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 7.0788% | 474 |
| Noncurrent loans to loans | 8.3333% | 419 |
| Net loans and leases to total assets | 69.6609% | 3,762 |
| Net loans and leases to deposits | 83.8195% | 4,015 |
| Net loans and leases to core deposits | 100.3265% | 4,507 |
| Total domestic deposits to total assets | 83.1083% | 4,089 |
| Equity capital to assets | 16.2015% | 838 |
| Core capital (leverage) ratio | 9.9101% | 3,507 |
| Tier 1 risk-based capital ratio | 12.7325% | 4,363 |
| Total risk-based capital ratio | 13.9916% | 4,273 |
| Memoranda: | ||
| Average total assets | $29,612,000 | 7,663 |
| Average earning assets | $23,740,500 | 7,779 |
| Average equity | $4,639,500 | 7,242 |
| Average total loans | $21,295,000 | 7,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3361% | 3,756 |
| Cost of funding earning assets | 2.4154% | 4,655 |
| Net interest margin | 3.9207% | 3,478 |
| Noninterest income to average assets | 0.5820% | 3,991 |
| Noninterest expense to average assets | 3.9049% | 1,551 |
| Loan and lease loss provision to assets | 0.4339% | 3,123 |
| Net operating income to assets | -0.3898% | 6,809 |
| Return on assets (ROA) | -0.2540% | 6,529 |
| Pretax return on assets | -0.3281% | 6,487 |
| Return on Equity (ROE) | -1.4506% | 6,425 |
| Retained earnings to average equity (ytd only) | -14.0422% | 7,406 |
| Net charge-offs to loans | 0.0211% | 6,565 |
| Credit loss provision to net charge-offs | 3,075.0000% | 158 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 6,835 |
| Efficiency ratio | 101.8399% | 917 |
| Assets per employee ($millions) | 2.9233% | 6,241 |
| Cash dividends to net income (ytd only)* | -868.0556% | 8,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,856 |
| Loan loss allowance to noncurrent loans | 39.0608% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 4.4026% | 870 |
| Noncurrent loans to loans | 4.3962% | 1,087 |
| Net loans and leases to total assets | 71.6587% | 3,663 |
| Net loans and leases to deposits | 85.1649% | 4,232 |
| Net loans and leases to core deposits | 100.9007% | 4,734 |
| Total domestic deposits to total assets | 84.1412% | 3,250 |
| Equity capital to assets | 15.1199% | 1,130 |
| Core capital (leverage) ratio | 8.1515% | 6,250 |
| Tier 1 risk-based capital ratio | 10.3964% | 6,317 |
| Total risk-based capital ratio | 11.6514% | 6,189 |
| Memoranda: | ||
| Average total assets | $28,349,200 | 7,712 |
| Average earning assets | $23,516,000 | 7,802 |
| Average equity | $4,963,600 | 7,159 |
| Average total loans | $18,945,000 | 7,405 |