Home > The First State Bank of Winchester, Illinois > Performance and Condition Ratios
The First State Bank of Winchester, Illinois, Performance and Condition Ratios
| 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 | 4.8807% | 7,077 |
| Cost of funding earning assets | 1.4823% | 6,206 |
| Net interest margin | 3.3984% | 5,180 |
| Noninterest income to average assets | 0.8687% | 2,099 |
| Noninterest expense to average assets | 4.5866% | 708 |
| Loan and lease loss provision to assets | 6.5124% | 115 |
| Net operating income to assets | -7.0409% | 8,058 |
| Return on assets (ROA) | -16.1776% | 8,160 |
| Pretax return on assets | -16.1776% | 8,160 |
| Return on Equity (ROE) | -11,095.8333% | 8,194 |
| Retained earnings to average equity (ytd only) | -11,095.8333% | 8,194 |
| Net charge-offs to loans | 0.1010% | 5,150 |
| Credit loss provision to net charge-offs | 10,720.0000% | 41 |
| Earnings coverage of net charge-offs (x) | -8.7000% | 6,513 |
| Efficiency ratio | 113.0240% | 776 |
| Assets per employee ($millions) | 2.0049% | 7,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3595% | 44 |
| Loan loss allowance to noncurrent loans | 133.7349% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 6.3978% | 724 |
| Noncurrent loans to loans | 5.5031% | 1,058 |
| Net loans and leases to total assets | 55.7543% | 6,236 |
| Net loans and leases to deposits | 54.4277% | 7,247 |
| Net loans and leases to core deposits | 64.2266% | 7,292 |
| Total domestic deposits to total assets | 102.4374% | 3 |
| Equity capital to assets | -2.8198% | 8,188 |
| Core capital (leverage) ratio | -1.9828% | 8,185 |
| Tier 1 risk-based capital ratio | -2.1372% | 8,185 |
| Total risk-based capital ratio | -2.1372% | 8,184 |
| Memoranda: | ||
| Average total assets | $32,922,000 | 7,492 |
| Average earning assets | $30,897,330 | 7,442 |
| Average equity | $48,000 | 8,189 |
| Average total loans | $19,809,000 | 7,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 7,280 |
| Cost of funding earning assets | 1.4985% | 6,403 |
| Net interest margin | 3.3560% | 5,301 |
| Noninterest income to average assets | 0.7570% | 2,561 |
| Noninterest expense to average assets | 3.6918% | 1,675 |
| Loan and lease loss provision to assets | 12.4845% | 24 |
| Net operating income to assets | -12.2633% | 8,188 |
| Return on assets (ROA) | -29.3014% | 8,231 |
| Pretax return on assets | -29.3014% | 8,231 |
| Return on Equity (ROE) | -2,029.0323% | 8,245 |
| Retained earnings to average equity (ytd only) | -2,029.0323% | 8,245 |
| Net charge-offs to loans | 0.3678% | 2,623 |
| Credit loss provision to net charge-offs | 5,642.1053% | 130 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,268 |
| Efficiency ratio | 94.3452% | 1,411 |
| Assets per employee ($millions) | 2.1989% | 7,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5877% | 51 |
| Loan loss allowance to noncurrent loans | 371.6292% | 939 |
| Noncurrent assets plus other real estate owned to assets | 3.1621% | 1,766 |
| Noncurrent loans to loans | 1.7726% | 3,607 |
| Net loans and leases to total assets | 56.8761% | 6,115 |
| Net loans and leases to deposits | 56.1778% | 7,150 |
| Net loans and leases to core deposits | 65.9171% | 7,244 |
| Total domestic deposits to total assets | 101.2430% | 4 |
| Equity capital to assets | -1.4704% | 8,241 |
| Core capital (leverage) ratio | -1.3945% | 8,240 |
| Tier 1 risk-based capital ratio | -1.5424% | 8,240 |
| Total risk-based capital ratio | -1.5424% | 8,240 |
| Memoranda: | ||
| Average total assets | $34,346,500 | 7,477 |
| Average earning assets | $32,300,000 | 7,427 |
| Average equity | $496,000 | 8,237 |
| Average total loans | $20,664,000 | 7,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 5,903 |
| Cost of funding earning assets | 2.0918% | 6,089 |
| Net interest margin | 3.8374% | 3,852 |
| Noninterest income to average assets | 0.8760% | 2,075 |
| Noninterest expense to average assets | 3.5039% | 2,385 |
| Loan and lease loss provision to assets | 0.5803% | 2,502 |
| Net operating income to assets | 0.4062% | 5,127 |
| Return on assets (ROA) | -0.8843% | 7,093 |
| Pretax return on assets | -0.8843% | 6,929 |
| Return on Equity (ROE) | -18.0975% | 7,717 |
| Retained earnings to average equity (ytd only) | -21.2080% | 7,709 |
| Net charge-offs to loans | 1.0159% | 1,217 |
| Credit loss provision to net charge-offs | 99.0566% | 5,414 |
| Earnings coverage of net charge-offs (x) | 1.6840% | 5,241 |
| Efficiency ratio | 78.0308% | 2,915 |
| Assets per employee ($millions) | 2.3806% | 7,430 |
| Cash dividends to net income (ytd only)* | -17.1875% | 7,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 3,984 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 2.9124% | 1,593 |
| Noncurrent loans to loans | 1.0450% | 4,489 |
| Net loans and leases to total assets | 58.7387% | 6,099 |
| Net loans and leases to deposits | 61.3950% | 6,996 |
| Net loans and leases to core deposits | 72.0790% | 7,075 |
| Total domestic deposits to total assets | 95.6734% | 9 |
| Equity capital to assets | 4.1362% | 8,245 |
| Core capital (leverage) ratio | 5.5341% | 8,157 |
| Tier 1 risk-based capital ratio | 8.1860% | 8,050 |
| Total risk-based capital ratio | 9.2861% | 8,114 |
| Memoranda: | ||
| Average total assets | $36,188,000 | 7,372 |
| Average earning assets | $34,085,200 | 7,318 |
| Average equity | $1,768,200 | 8,167 |
| Average total loans | $20,867,400 | 7,274 |