Home > The First State Bank > Performance and Condition Ratios
The First State Bank, 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 | 4.6485% | 6,195 |
| Cost of funding earning assets | 0.6014% | 7,287 |
| Net interest margin | 4.0472% | 2,871 |
| Noninterest income to average assets | 0.6913% | 2,868 |
| Noninterest expense to average assets | 4.7419% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.6083% | 6,668 |
| Return on assets (ROA) | -0.5944% | 6,710 |
| Pretax return on assets | -0.5944% | 6,610 |
| Return on Equity (ROE) | -6.2553% | 6,739 |
| Retained earnings to average equity (ytd only) | -6.2553% | 6,659 |
| Net charge-offs to loans | 0.1250% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -11.0075% | 6,626 |
| Efficiency ratio | 114.7157% | 455 |
| Assets per employee ($millions) | 1.8140% | 7,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 7,352 |
| Loan loss allowance to noncurrent loans | 6.1125% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 4.5094% | 1,503 |
| Noncurrent loans to loans | 9.8176% | 442 |
| Net loans and leases to total assets | 45.6560% | 6,730 |
| Net loans and leases to deposits | 52.0749% | 6,892 |
| Net loans and leases to core deposits | 52.0749% | 7,047 |
| Total domestic deposits to total assets | 87.6736% | 2,172 |
| Equity capital to assets | 10.0221% | 4,136 |
| Core capital (leverage) ratio | 8.8955% | 4,855 |
| Tier 1 risk-based capital ratio | 18.4790% | 1,875 |
| Total risk-based capital ratio | 19.0130% | 2,056 |
| Memoranda: | ||
| Average total assets | $9,644,250 | 7,728 |
| Average earning assets | $8,203,000 | 7,720 |
| Average equity | $916,500 | 7,741 |
| Average total loans | $4,263,750 | 7,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 6,527 |
| Cost of funding earning assets | 0.6708% | 7,256 |
| Net interest margin | 3.9053% | 3,421 |
| Noninterest income to average assets | 0.6507% | 3,009 |
| Noninterest expense to average assets | 4.4735% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5084% | 6,661 |
| Return on assets (ROA) | -0.5084% | 6,699 |
| Pretax return on assets | -0.5084% | 6,596 |
| Return on Equity (ROE) | -5.4407% | 6,733 |
| Retained earnings to average equity (ytd only) | -5.4407% | 6,603 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8205% | 508 |
| Assets per employee ($millions) | 1.9562% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 7,295 |
| 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 | 43.5845% | 6,955 |
| Net loans and leases to deposits | 49.1922% | 7,103 |
| Net loans and leases to core deposits | 49.1922% | 7,246 |
| Total domestic deposits to total assets | 88.6003% | 1,677 |
| Equity capital to assets | 9.4060% | 4,856 |
| Core capital (leverage) ratio | 9.1579% | 4,363 |
| Tier 1 risk-based capital ratio | 16.7584% | 2,376 |
| Total risk-based capital ratio | 17.3088% | 2,606 |
| Memoranda: | ||
| Average total assets | $9,835,670 | 7,793 |
| Average earning assets | $8,347,670 | 7,789 |
| Average equity | $919,000 | 7,807 |
| Average total loans | $4,296,330 | 7,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 6,603 |
| Cost of funding earning assets | 0.7640% | 7,192 |
| Net interest margin | 3.8198% | 3,708 |
| Noninterest income to average assets | 0.6083% | 3,221 |
| Noninterest expense to average assets | 4.4611% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6083% | 6,903 |
| Return on assets (ROA) | -0.6083% | 6,934 |
| Pretax return on assets | -0.6083% | 6,850 |
| Return on Equity (ROE) | -6.5324% | 6,959 |
| Retained earnings to average equity (ytd only) | -6.5324% | 6,692 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7895% | 498 |
| Assets per employee ($millions) | 1.9780% | 7,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 7,342 |
| 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 | 41.8301% | 7,137 |
| Net loans and leases to deposits | 47.1077% | 7,275 |
| Net loans and leases to core deposits | 47.1077% | 7,393 |
| Total domestic deposits to total assets | 88.7968% | 1,622 |
| Equity capital to assets | 9.2012% | 4,986 |
| Core capital (leverage) ratio | 8.7972% | 4,859 |
| Tier 1 risk-based capital ratio | 17.0550% | 2,253 |
| Total risk-based capital ratio | 17.6089% | 2,461 |
| Memoranda: | ||
| Average total assets | $9,863,000 | 7,896 |
| Average earning assets | $8,377,500 | 7,888 |
| Average equity | $918,500 | 7,900 |
| Average total loans | $4,298,500 | 7,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 6,045 |
| Cost of funding earning assets | 0.7643% | 7,603 |
| Net interest margin | 4.3467% | 1,585 |
| Noninterest income to average assets | 0.6975% | 2,998 |
| Noninterest expense to average assets | 5.0177% | 512 |
| Loan and lease loss provision to assets | 0.1353% | 6,287 |
| Net operating income to assets | -0.4685% | 6,147 |
| Return on assets (ROA) | -0.4685% | 6,141 |
| Pretax return on assets | -0.6663% | 6,156 |
| Return on Equity (ROE) | -4.6613% | 6,183 |
| Retained earnings to average equity (ytd only) | -4.6613% | 5,981 |
| Net charge-offs to loans | 0.2814% | 4,873 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | -3.9231% | 7,085 |
| Efficiency ratio | 111.8329% | 770 |
| Assets per employee ($millions) | 1.9672% | 7,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 7,464 |
| 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 | 44.7540% | 7,071 |
| Net loans and leases to deposits | 50.4701% | 7,235 |
| Net loans and leases to core deposits | 54.3524% | 7,461 |
| Total domestic deposits to total assets | 88.6743% | 1,642 |
| Equity capital to assets | 9.4246% | 4,518 |
| Core capital (leverage) ratio | 8.9335% | 4,532 |
| Tier 1 risk-based capital ratio | 16.0850% | 2,480 |
| Total risk-based capital ratio | 16.5988% | 2,736 |
| Memoranda: | ||
| Average total assets | $9,606,000 | 7,973 |
| Average earning assets | $8,374,200 | 7,963 |
| Average equity | $965,400 | 7,981 |
| Average total loans | $4,620,000 | 7,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 6,046 |
| Cost of funding earning assets | 0.7674% | 7,741 |
| Net interest margin | 4.3964% | 1,448 |
| Noninterest income to average assets | 0.7540% | 2,688 |
| Noninterest expense to average assets | 4.5242% | 724 |
| Loan and lease loss provision to assets | 0.1815% | 5,551 |
| Net operating income to assets | -0.1117% | 5,907 |
| Return on assets (ROA) | -0.1117% | 5,937 |
| Pretax return on assets | -0.1117% | 5,857 |
| Return on Equity (ROE) | -1.0944% | 5,950 |
| Retained earnings to average equity (ytd only) | -1.0944% | 5,517 |
| Net charge-offs to loans | 0.3713% | 3,795 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.3849% | 5,639 |
| Efficiency ratio | 98.4802% | 1,142 |
| Assets per employee ($millions) | 1.8846% | 7,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 7,536 |
| 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 | 48.9971% | 6,867 |
| Net loans and leases to deposits | 56.0248% | 7,086 |
| Net loans and leases to core deposits | 60.5588% | 7,382 |
| Total domestic deposits to total assets | 87.4562% | 1,917 |
| Equity capital to assets | 10.3046% | 3,731 |
| Core capital (leverage) ratio | 9.5329% | 3,867 |
| Tier 1 risk-based capital ratio | 16.4806% | 2,439 |
| Total risk-based capital ratio | 16.9864% | 2,656 |
| Memoranda: | ||
| Average total assets | $9,548,500 | 8,058 |
| Average earning assets | $8,340,000 | 8,049 |
| Average equity | $975,000 | 8,066 |
| Average total loans | $4,667,250 | 7,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 6,131 |
| Cost of funding earning assets | 0.7852% | 7,837 |
| Net interest margin | 4.4016% | 1,408 |
| Noninterest income to average assets | 0.7508% | 2,698 |
| Noninterest expense to average assets | 4.5045% | 774 |
| Loan and lease loss provision to assets | 0.2711% | 4,409 |
| Net operating income to assets | -0.1668% | 6,130 |
| Return on assets (ROA) | -0.1668% | 6,154 |
| Pretax return on assets | -0.1668% | 6,082 |
| Return on Equity (ROE) | -1.6388% | 6,168 |
| Retained earnings to average equity (ytd only) | -1.6388% | 5,657 |
| Net charge-offs to loans | 0.4279% | 3,089 |
| Credit loss provision to net charge-offs | 130.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,198 |
| Efficiency ratio | 97.7376% | 1,276 |
| Assets per employee ($millions) | 1.8334% | 7,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 7,456 |
| Loan loss allowance to noncurrent loans | 91.4286% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 6,503 |
| Noncurrent loans to loans | 0.7469% | 5,746 |
| Net loans and leases to total assets | 50.7691% | 6,800 |
| Net loans and leases to deposits | 58.1096% | 7,018 |
| Net loans and leases to core deposits | 61.3014% | 7,399 |
| Total domestic deposits to total assets | 87.3677% | 2,067 |
| Equity capital to assets | 10.4505% | 3,465 |
| Core capital (leverage) ratio | 9.7897% | 3,532 |
| Tier 1 risk-based capital ratio | 16.2819% | 2,526 |
| Total risk-based capital ratio | 16.8332% | 2,712 |
| Memoranda: | ||
| Average total assets | $9,590,330 | 8,151 |
| Average earning assets | $8,406,000 | 8,140 |
| Average equity | $976,330 | 8,158 |
| Average total loans | $4,674,330 | 8,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 6,023 |
| Cost of funding earning assets | 0.8471% | 7,869 |
| Net interest margin | 4.4238% | 1,289 |
| Noninterest income to average assets | 0.7345% | 2,684 |
| Noninterest expense to average assets | 4.1216% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4081% | 4,825 |
| Return on assets (ROA) | 0.4081% | 5,004 |
| Pretax return on assets | 0.4489% | 5,249 |
| Return on Equity (ROE) | 4.0589% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,639 |
| Net charge-offs to loans | 0.1714% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,666 |
| Efficiency ratio | 90.1786% | 1,707 |
| Assets per employee ($millions) | 1.9772% | 7,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 7,698 |
| 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 | 46.8339% | 7,122 |
| Net loans and leases to deposits | 53.2000% | 7,331 |
| Net loans and leases to core deposits | 57.2170% | 7,556 |
| Total domestic deposits to total assets | 88.0336% | 1,732 |
| Equity capital to assets | 9.9434% | 4,059 |
| Core capital (leverage) ratio | 9.5811% | 3,892 |
| Tier 1 risk-based capital ratio | 16.1767% | 2,624 |
| Total risk-based capital ratio | 16.6303% | 2,833 |
| Memoranda: | ||
| Average total assets | $9,802,000 | 8,196 |
| Average earning assets | $8,499,500 | 8,184 |
| Average equity | $985,500 | 8,209 |
| Average total loans | $4,668,500 | 8,118 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8356% | 6,313 |
| Cost of funding earning assets | 1.0236% | 8,044 |
| Net interest margin | 4.8120% | 764 |
| Noninterest income to average assets | 0.7591% | 2,729 |
| Noninterest expense to average assets | 5.0819% | 599 |
| Loan and lease loss provision to assets | 0.0633% | 6,610 |
| Net operating income to assets | -0.0949% | 6,487 |
| Return on assets (ROA) | -0.0949% | 6,339 |
| Pretax return on assets | -0.0738% | 6,240 |
| Return on Equity (ROE) | -0.9078% | 6,352 |
| Retained earnings to average equity (ytd only) | -0.9078% | 5,569 |
| Net charge-offs to loans | 0.0214% | 6,558 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 6,592 |
| Efficiency ratio | 100.2079% | 975 |
| Assets per employee ($millions) | 1.9436% | 7,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 7,638 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,246 |
| Noncurrent loans to loans | 0.7051% | 5,271 |
| Net loans and leases to total assets | 47.8596% | 7,198 |
| Net loans and leases to deposits | 54.4741% | 7,408 |
| Net loans and leases to core deposits | 58.6729% | 7,645 |
| Total domestic deposits to total assets | 87.8576% | 1,534 |
| Equity capital to assets | 10.1667% | 3,846 |
| Core capital (leverage) ratio | 9.7578% | 3,705 |
| Tier 1 risk-based capital ratio | 16.2422% | 2,567 |
| Total risk-based capital ratio | 16.7313% | 2,787 |
| Memoranda: | ||
| Average total assets | $9,484,600 | 8,257 |
| Average earning assets | $8,499,600 | 8,238 |
| Average equity | $991,400 | 8,270 |
| Average total loans | $4,676,400 | 8,175 |