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Pilsen State Bank, Lincolnville, Kansas, Performance and Condition Ratios

2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0330%2,745
Cost of funding earning assets0.8480%4,484
Net interest margin4.1851%2,109
Noninterest income to average assets2.8574%222
Noninterest expense to average assets2.6929%4,767
Loan and lease loss provision to assets0.5195%2,023
Net operating income to assets3.7752%55
Return on assets (ROA)3.7752%56
Pretax return on assets3.6194%89
Return on Equity (ROE)27.1448%72
Retained earnings to average equity (ytd only)27.1448%17
Net charge-offs to loans-0.0247%6,977
Credit loss provision to net charge-offs-3,000.0000%6,923
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.4170%7,223
Assets per employee ($millions)5.2920%1,837
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.7524%6,832
Loan loss allowance to noncurrent loans6.4182%6,839
Noncurrent assets plus other real estate owned to assets9.1270%392
Noncurrent loans to loans11.7233%231
Net loans and leases to total assets77.2676%797
Net loans and leases to deposits92.4904%923
Net loans and leases to core deposits100.1470%1,164
Total domestic deposits to total assets83.5412%4,521
Equity capital to assets16.2509%548
Core capital (leverage) ratio14.6695%670
Tier 1 risk-based capital ratio19.9490%1,656
Total risk-based capital ratio20.6681%1,757
Memoranda:
Average total assets$11,549,0007,319
Average earning assets$10,967,6007,303
Average equity$1,606,2007,272
Average total loans$8,093,4007,181
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0433%2,875
Cost of funding earning assets0.9104%4,330
Net interest margin4.1329%2,338
Noninterest income to average assets3.6413%176
Noninterest expense to average assets2.4765%5,541
Loan and lease loss provision to assets0.6785%1,425
Net operating income to assets4.5913%51
Return on assets (ROA)4.5913%52
Pretax return on assets4.3877%70
Return on Equity (ROE)34.3096%34
Retained earnings to average equity (ytd only)34.3096%19
Net charge-offs to loans-0.0331%6,980
Credit loss provision to net charge-offs-3,000.0000%6,861
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.8336%7,341
Assets per employee ($millions)5.7100%1,419
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.7814%6,851
Loan loss allowance to noncurrent loans8.3445%6,913
Noncurrent assets plus other real estate owned to assets6.5061%794
Noncurrent loans to loans9.3648%402
Net loans and leases to total assets68.9317%2,294
Net loans and leases to deposits82.7151%2,222
Net loans and leases to core deposits82.7151%3,224
Total domestic deposits to total assets83.3363%4,541
Equity capital to assets14.8074%906
Core capital (leverage) ratio14.1660%853
Tier 1 risk-based capital ratio19.7894%1,738
Total risk-based capital ratio20.5149%1,832
Memoranda:
Average total assets$11,790,2507,396
Average earning assets$11,130,0007,380
Average equity$1,577,7507,349
Average total loans$8,056,7507,252
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1518%2,450
Cost of funding earning assets1.0518%3,590
Net interest margin4.1001%2,410
Noninterest income to average assets5.5399%121
Noninterest expense to average assets2.7196%4,741
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets6.6814%35
Return on assets (ROA)6.6814%35
Pretax return on assets6.6814%49
Return on Equity (ROE)51.6883%18
Retained earnings to average equity (ytd only)51.6883%12
Net charge-offs to loans-0.0247%6,874
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.9286%7,446
Assets per employee ($millions)5.8305%1,281
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.0124%7,442
Loan loss allowance to noncurrent loans0.1205%7,012
Noncurrent assets plus other real estate owned to assets7.1177%705
Noncurrent loans to loans10.3234%365
Net loans and leases to total assets68.9392%2,428
Net loans and leases to deposits80.7534%2,655
Net loans and leases to core deposits80.7534%3,683
Total domestic deposits to total assets85.3700%3,687
Equity capital to assets14.4327%963
Core capital (leverage) ratio14.0519%858
Tier 1 risk-based capital ratio19.6222%1,686
Total risk-based capital ratio19.6339%1,997
Memoranda:
Average total assets$11,913,6707,470
Average earning assets$11,219,3307,453
Average equity$1,540,0007,426
Average total loans$8,097,6707,321
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3630%1,692
Cost of funding earning assets1.1217%3,359
Net interest margin4.2413%1,781
Noninterest income to average assets10.6977%65
Noninterest expense to average assets2.5249%5,465
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets12.1927%15
Return on assets (ROA)12.1927%15
Pretax return on assets12.1927%27
Return on Equity (ROE)99.9660%10
Retained earnings to average equity (ytd only)99.9660%8
Net charge-offs to loans-0.1477%7,197
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio17.1558%7,543
Assets per employee ($millions)6.1410%1,112
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.0387%7,493
Loan loss allowance to noncurrent loans0.3375%7,075
Noncurrent assets plus other real estate owned to assets7.2382%715
Noncurrent loans to loans11.4651%312
Net loans and leases to total assets63.1086%3,626
Net loans and leases to deposits73.0951%3,908
Net loans and leases to core deposits73.0951%4,637
Total domestic deposits to total assets86.3377%3,316
Equity capital to assets13.4506%1,206
Core capital (leverage) ratio13.2075%1,059
Tier 1 risk-based capital ratio19.4262%1,713
Total risk-based capital ratio19.4614%2,010
Memoranda:
Average total assets$12,040,0007,527
Average earning assets$11,411,5007,506
Average equity$1,468,5007,492
Average total loans$8,126,5007,379
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1435%6,997
Cost of funding earning assets1.5968%2,091
Net interest margin2.5467%7,244
Noninterest income to average assets6.9713%94
Noninterest expense to average assets3.4122%2,406
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets6.0196%25
Return on assets (ROA)6.0196%26
Pretax return on assets5.9655%39
Return on Equity (ROE)65.5544%9
Retained earnings to average equity (ytd only)65.5544%3
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.3861%7,543
Assets per employee ($millions)2.9495%6,208
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.0000%7,582
Loan loss allowance to noncurrent loans0.0000%7,156
Noncurrent assets plus other real estate owned to assets9.2982%472
Noncurrent loans to loans12.9074%239
Net loans and leases to total assets72.0376%2,100
Net loans and leases to deposits81.0587%2,977
Net loans and leases to core deposits98.2657%1,772
Total domestic deposits to total assets88.8710%1,731
Equity capital to assets10.8917%2,785
Core capital (leverage) ratio10.4540%2,601
Tier 1 risk-based capital ratio14.8658%3,325
Total risk-based capital ratio14.8658%4,091
Memoranda:
Average total assets$12,924,4007,599
Average earning assets$12,212,0007,576
Average equity$1,186,8007,618
Average total loans$9,305,6007,420
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8141%7,645
Cost of funding earning assets1.3375%3,994
Net interest margin1.4766%7,674
Noninterest income to average assets8.0366%82
Noninterest expense to average assets1.4942%7,551
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets8.0063%21
Return on assets (ROA)8.0063%22
Pretax return on assets7.9356%25
Return on Equity (ROE)90.9710%5
Retained earnings to average equity (ytd only)90.9710%3
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio15.8458%7,737
Assets per employee ($millions)3.0208%6,108
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.0000%7,691
Loan loss allowance to noncurrent loans0.0000%7,261
Noncurrent assets plus other real estate owned to assets2.1270%3,294
Noncurrent loans to loans3.2548%2,436
Net loans and leases to total assets65.3480%3,832
Net loans and leases to deposits73.4034%4,616
Net loans and leases to core deposits86.0975%3,637
Total domestic deposits to total assets89.0259%1,377
Equity capital to assets10.7589%3,214
Core capital (leverage) ratio10.4192%2,780
Tier 1 risk-based capital ratio15.9119%2,803
Total risk-based capital ratio15.9119%3,399
Memoranda:
Average total assets$13,206,0007,697
Average earning assets$12,461,0007,674
Average equity$1,162,2507,717
Average total loans$9,507,2507,510
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7323%7,517
Cost of funding earning assets1.3430%4,236
Net interest margin2.3893%7,485
Noninterest income to average assets11.1338%61
Noninterest expense to average assets2.6067%5,299
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets10.7803%16
Return on assets (ROA)10.7803%17
Pretax return on assets10.7803%22
Return on Equity (ROE)131.1440%4
Retained earnings to average equity (ytd only)131.1440%2
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio19.4719%7,795
Assets per employee ($millions)3.1615%5,759
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.0000%7,760
Loan loss allowance to noncurrent loans0.0000%7,334
Noncurrent assets plus other real estate owned to assets5.6381%1,082
Noncurrent loans to loans8.0574%644
Net loans and leases to total assets69.9747%2,902
Net loans and leases to deposits77.8208%4,010
Net loans and leases to core deposits90.4343%3,195
Total domestic deposits to total assets89.9178%954
Equity capital to assets9.7976%4,269
Core capital (leverage) ratio8.6571%5,146
Tier 1 risk-based capital ratio12.8834%4,538
Total risk-based capital ratio12.8834%5,606
Memoranda:
Average total assets$13,580,3307,757
Average earning assets$12,807,0007,733
Average equity$1,116,3307,789
Average total loans$10,044,3307,553
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1871%7,866
Cost of funding earning assets1.0187%6,286
Net interest margin1.1685%7,867
Noninterest income to average assets20.9290%39
Noninterest expense to average assets2.1071%6,920
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets19.8754%9
Return on assets (ROA)19.8754%10
Pretax return on assets19.9324%15
Return on Equity (ROE)264.6445%7
Retained earnings to average equity (ytd only)264.6445%6
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio9.5607%7,914
Assets per employee ($millions)2.0887%7,620
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.0000%7,860
Loan loss allowance to noncurrent loans0.0000%7,410
Noncurrent assets plus other real estate owned to assets8.1527%600
Noncurrent loans to loans11.8583%297
Net loans and leases to total assets68.7504%3,216
Net loans and leases to deposits75.3467%4,523
Net loans and leases to core deposits88.1213%3,609
Total domestic deposits to total assets91.2455%455
Equity capital to assets8.2416%6,380
Core capital (leverage) ratio8.7281%4,976
Tier 1 risk-based capital ratio10.9357%6,217
Total risk-based capital ratio10.9357%7,208
Memoranda:
Average total assets$14,047,5007,854
Average earning assets$13,351,0007,823
Average equity$1,055,0007,883
Average total loans$10,642,0007,622
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3951%4,721
Cost of funding earning assets2.4230%1,234
Net interest margin2.9721%6,714
Noninterest income to average assets0.2972%5,978
Noninterest expense to average assets3.0688%3,877
Loan and lease loss provision to assets4.2506%293
Net operating income to assets-4.1677%7,634
Return on assets (ROA)-4.1677%7,632
Pretax return on assets-4.2161%7,575
Return on Equity (ROE)-47.1094%7,655
Retained earnings to average equity (ytd only)-47.1094%7,643
Net charge-offs to loans2.8160%787
Credit loss provision to net charge-offs171.7877%2,475
Earnings coverage of net charge-offs (x)0.0140%6,177
Efficiency ratio98.8864%1,157
Assets per employee ($millions)2.6948%6,865
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans4.2201%313
Loan loss allowance to noncurrent loans67.9083%4,016
Noncurrent assets plus other real estate owned to assets5.1803%1,159
Noncurrent loans to loans6.2144%997
Net loans and leases to total assets79.8427%1,024
Net loans and leases to deposits86.0296%2,910
Net loans and leases to core deposits96.4497%4,407
Total domestic deposits to total assets92.8084%150
Equity capital to assets6.7166%7,494
Core capital (leverage) ratio6.3858%7,529
Tier 1 risk-based capital ratio7.9834%7,656
Total risk-based capital ratio9.2713%7,659
Memoranda:
Average total assets$14,468,4007,907
Average earning assets$13,660,6007,877
Average equity$1,280,0007,950
Average total loans$12,713,0007,568
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2930%5,463
Cost of funding earning assets2.4495%1,445
Net interest margin2.8434%6,978
Noninterest income to average assets0.3171%5,942
Noninterest expense to average assets3.0622%3,796
Loan and lease loss provision to assets5.5717%129
Net operating income to assets-5.6894%7,905
Return on assets (ROA)-5.6894%7,902
Pretax return on assets-5.6350%7,881
Return on Equity (ROE)-60.9507%7,898
Retained earnings to average equity (ytd only)-60.9507%7,895
Net charge-offs to loans3.6483%402
Credit loss provision to net charge-offs171.7877%2,704
Earnings coverage of net charge-offs (x)-0.0195%6,090
Efficiency ratio102.1148%978
Assets per employee ($millions)2.8016%6,644
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.7459%347
Loan loss allowance to noncurrent loans77.8325%3,509
Noncurrent assets plus other real estate owned to assets4.3475%1,419
Noncurrent loans to loans4.8127%1,413
Net loans and leases to total assets86.9503%278
Net loans and leases to deposits93.3190%1,995
Net loans and leases to core deposits108.2859%3,434
Total domestic deposits to total assets93.1753%77
Equity capital to assets6.2821%7,810
Core capital (leverage) ratio5.8170%7,831
Tier 1 risk-based capital ratio6.8244%7,912
Total risk-based capital ratio8.1039%7,915
Memoranda:
Average total assets$14,717,0007,981
Average earning assets$13,879,7507,955
Average equity$1,373,7508,028
Average total loans$13,083,2507,616
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3943%1,020
Cost of funding earning assets2.4867%1,661
Net interest margin3.9076%3,078
Noninterest income to average assets0.2006%6,857
Noninterest expense to average assets3.0361%3,943
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.7891%2,894
Return on assets (ROA)0.7891%2,990
Pretax return on assets0.8426%3,530
Return on Equity (ROE)7.6707%2,899
Retained earnings to average equity (ytd only)7.6707%1,327
Net charge-offs to loans-0.0151%7,656
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2759%3,304
Assets per employee ($millions)3.0300%6,057
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6555%2,503
Loan loss allowance to noncurrent loans132.9268%2,209
Noncurrent assets plus other real estate owned to assets1.1881%4,561
Noncurrent loans to loans1.2454%4,721
Net loans and leases to total assets85.4785%439
Net loans and leases to deposits95.9188%1,811
Net loans and leases to core deposits110.6838%3,308
Total domestic deposits to total assets89.1155%1,206
Equity capital to assets10.3432%3,577
Core capital (leverage) ratio10.4140%2,890
Tier 1 risk-based capital ratio11.7159%5,180
Total risk-based capital ratio12.9720%5,101
Memoranda:
Average total assets$14,953,3308,064
Average earning assets$14,075,0008,037
Average equity$1,538,3308,092
Average total loans$13,226,3307,689
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3831%1,105
Cost of funding earning assets2.5475%1,747
Net interest margin3.8356%3,313
Noninterest income to average assets0.2423%6,518
Noninterest expense to average assets2.9350%4,034
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.8617%2,872
Return on assets (ROA)0.8617%3,024
Pretax return on assets0.9155%3,661
Return on Equity (ROE)8.3990%2,970
Retained earnings to average equity (ytd only)8.3990%1,664
Net charge-offs to loans-0.0302%7,555
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2238%3,450
Assets per employee ($millions)3.0116%6,122
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.6432%2,334
Loan loss allowance to noncurrent loans396.3636%894
Noncurrent assets plus other real estate owned to assets0.4848%6,023
Noncurrent loans to loans0.4146%6,385
Net loans and leases to total assets86.6583%372
Net loans and leases to deposits97.0763%1,790
Net loans and leases to core deposits112.0086%3,220
Total domestic deposits to total assets89.2682%1,113
Equity capital to assets10.2271%3,739
Core capital (leverage) ratio10.2886%3,119
Tier 1 risk-based capital ratio11.4823%5,434
Total risk-based capital ratio12.7349%5,323
Memoranda:
Average total assets$14,855,0008,121
Average earning assets$13,974,5008,086
Average equity$1,524,0008,151
Average total loans$13,255,5007,735
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1405%832
Cost of funding earning assets2.9961%1,880
Net interest margin4.1445%2,523
Noninterest income to average assets0.2663%6,554
Noninterest expense to average assets3.2095%3,305
Loan and lease loss provision to assets0.2322%4,574
Net operating income to assets0.5395%4,578
Return on assets (ROA)0.5395%4,425
Pretax return on assets0.6692%4,490
Return on Equity (ROE)5.1567%4,305
Retained earnings to average equity (ytd only)-0.0653%5,281
Net charge-offs to loans0.0618%5,896
Credit loss provision to net charge-offs425.0000%1,027
Earnings coverage of net charge-offs (x)16.5000%1,842
Efficiency ratio78.0731%2,907
Assets per employee ($millions)2.4420%7,322
Cash dividends to net income (ytd only)*101.2658%956
Condition Ratios (%)
Loss allowance to loans1.6385%2,101
Loan loss allowance to noncurrent loans66.9753%4,673
Noncurrent assets plus other real estate owned to assets2.3546%2,065
Noncurrent loans to loans2.4464%2,235
Net loans and leases to total assets88.9094%289
Net loans and leases to deposits99.7015%1,861
Net loans and leases to core deposits113.3078%3,416
Total domestic deposits to total assets89.1755%974
Equity capital to assets10.2921%3,723
Core capital (leverage) ratio10.2362%3,227
Tier 1 risk-based capital ratio11.2993%5,444
Total risk-based capital ratio12.5506%5,336
Memoranda:
Average total assets$14,644,2008,174
Average earning assets$13,584,4008,151
Average equity$1,532,0008,210
Average total loans$12,948,2007,773