Home > Logan County Bank > Performance and Condition Ratios
Logan County Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 6,515 |
| Cost of funding earning assets | 0.4865% | 5,311 |
| Net interest margin | 2.8819% | 6,259 |
| Noninterest income to average assets | 0.4542% | 4,222 |
| Noninterest expense to average assets | 2.1243% | 6,073 |
| Loan and lease loss provision to assets | 0.0414% | 5,343 |
| Net operating income to assets | 0.6788% | 3,837 |
| Return on assets (ROA) | 0.6788% | 4,106 |
| Pretax return on assets | 1.0347% | 3,415 |
| Return on Equity (ROE) | 7.4178% | 3,399 |
| Retained earnings to average equity (ytd only) | 0.2940% | 5,709 |
| Net charge-offs to loans | 0.0334% | 5,446 |
| Credit loss provision to net charge-offs | 333.3333% | 728 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 447 |
| Efficiency ratio | 66.3757% | 4,429 |
| Assets per employee ($millions) | 5.3237% | 1,869 |
| Cash dividends to net income (ytd only)* | 96.0366% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,245 |
| Loan loss allowance to noncurrent loans | 57.6503% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 4,357 |
| Noncurrent loans to loans | 2.0353% | 2,660 |
| Net loans and leases to total assets | 37.0908% | 6,364 |
| Net loans and leases to deposits | 42.4536% | 6,447 |
| Net loans and leases to core deposits | 44.1281% | 6,462 |
| Total domestic deposits to total assets | 87.3679% | 2,601 |
| Equity capital to assets | 9.3272% | 5,114 |
| Core capital (leverage) ratio | 9.0249% | 4,866 |
| Tier 1 risk-based capital ratio | 17.9070% | 2,289 |
| Total risk-based capital ratio | 18.7819% | 2,419 |
| Memoranda: | ||
| Average total assets | $96,644,400 | 4,922 |
| Average earning assets | $92,093,000 | 4,806 |
| Average equity | $8,843,600 | 5,263 |
| Average total loans | $35,946,000 | 5,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 6,626 |
| Cost of funding earning assets | 0.5093% | 5,382 |
| Net interest margin | 2.8934% | 6,370 |
| Noninterest income to average assets | 0.4460% | 4,322 |
| Noninterest expense to average assets | 2.1036% | 6,152 |
| Loan and lease loss provision to assets | 0.0551% | 5,052 |
| Net operating income to assets | 0.6938% | 3,941 |
| Return on assets (ROA) | 0.6938% | 4,191 |
| Pretax return on assets | 1.0559% | 3,513 |
| Return on Equity (ROE) | 7.6188% | 3,461 |
| Retained earnings to average equity (ytd only) | 0.3628% | 5,978 |
| Net charge-offs to loans | 0.1187% | 4,188 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 25.2161% | 1,256 |
| Efficiency ratio | 65.4390% | 4,550 |
| Assets per employee ($millions) | 5.4529% | 1,683 |
| Cash dividends to net income (ytd only)* | 95.2380% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,539 |
| Loan loss allowance to noncurrent loans | 75.8491% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 5,118 |
| Noncurrent loans to loans | 1.5084% | 3,524 |
| Net loans and leases to total assets | 35.3890% | 6,587 |
| Net loans and leases to deposits | 41.7468% | 6,609 |
| Net loans and leases to core deposits | 43.4019% | 6,619 |
| Total domestic deposits to total assets | 84.7706% | 3,850 |
| Equity capital to assets | 9.0798% | 5,742 |
| Core capital (leverage) ratio | 8.8299% | 5,295 |
| Tier 1 risk-based capital ratio | 17.0672% | 2,707 |
| Total risk-based capital ratio | 17.8617% | 2,906 |
| Memoranda: | ||
| Average total assets | $96,848,750 | 4,965 |
| Average earning assets | $92,669,500 | 4,832 |
| Average equity | $8,820,000 | 5,319 |
| Average total loans | $35,941,250 | 5,755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 6,619 |
| Cost of funding earning assets | 0.5443% | 5,338 |
| Net interest margin | 2.9446% | 6,348 |
| Noninterest income to average assets | 0.4460% | 4,326 |
| Noninterest expense to average assets | 2.0744% | 6,281 |
| Loan and lease loss provision to assets | 0.0830% | 4,561 |
| Net operating income to assets | 0.7281% | 3,713 |
| Return on assets (ROA) | 0.7281% | 3,990 |
| Pretax return on assets | 1.1056% | 3,285 |
| Return on Equity (ROE) | 7.9870% | 3,269 |
| Retained earnings to average equity (ytd only) | 0.4779% | 5,879 |
| Net charge-offs to loans | 0.1768% | 3,539 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 17.9063% | 1,508 |
| Efficiency ratio | 63.5728% | 4,973 |
| Assets per employee ($millions) | 5.4101% | 1,696 |
| Cash dividends to net income (ytd only)* | 94.0171% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,532 |
| Loan loss allowance to noncurrent loans | 76.1364% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,159 |
| Noncurrent loans to loans | 1.5219% | 3,623 |
| Net loans and leases to total assets | 35.2139% | 6,655 |
| Net loans and leases to deposits | 42.1055% | 6,641 |
| Net loans and leases to core deposits | 43.8096% | 6,668 |
| Total domestic deposits to total assets | 83.6325% | 4,472 |
| Equity capital to assets | 9.0284% | 5,670 |
| Core capital (leverage) ratio | 8.8401% | 5,144 |
| Tier 1 risk-based capital ratio | 16.9577% | 2,686 |
| Total risk-based capital ratio | 17.7474% | 2,879 |
| Memoranda: | ||
| Average total assets | $96,414,330 | 4,999 |
| Average earning assets | $92,235,330 | 4,863 |
| Average equity | $8,789,330 | 5,324 |
| Average total loans | $36,209,330 | 5,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 6,629 |
| Cost of funding earning assets | 0.5414% | 5,548 |
| Net interest margin | 3.0129% | 6,266 |
| Noninterest income to average assets | 0.4086% | 4,609 |
| Noninterest expense to average assets | 2.0723% | 6,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7964% | 3,392 |
| Return on assets (ROA) | 0.7964% | 3,635 |
| Pretax return on assets | 1.2134% | 2,867 |
| Return on Equity (ROE) | 8.6937% | 2,952 |
| Retained earnings to average equity (ytd only) | 0.7283% | 5,767 |
| Net charge-offs to loans | 0.1082% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 29.1000% | 943 |
| Efficiency ratio | 63.0711% | 5,088 |
| Assets per employee ($millions) | 5.7986% | 1,437 |
| Cash dividends to net income (ytd only)* | 91.6230% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,757 |
| Loan loss allowance to noncurrent loans | 69.4394% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 5,341 |
| Noncurrent loans to loans | 1.6409% | 3,638 |
| Net loans and leases to total assets | 33.7990% | 6,756 |
| Net loans and leases to deposits | 38.4481% | 6,805 |
| Net loans and leases to core deposits | 41.0588% | 6,782 |
| Total domestic deposits to total assets | 87.9079% | 2,385 |
| Equity capital to assets | 9.0183% | 5,469 |
| Core capital (leverage) ratio | 8.9106% | 4,980 |
| Tier 1 risk-based capital ratio | 16.7524% | 2,783 |
| Total risk-based capital ratio | 17.4981% | 3,007 |
| Memoranda: | ||
| Average total assets | $95,930,500 | 5,041 |
| Average earning assets | $91,606,000 | 4,920 |
| Average equity | $8,788,000 | 5,335 |
| Average total loans | $36,967,000 | 5,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 6,493 |
| Cost of funding earning assets | 0.6894% | 5,611 |
| Net interest margin | 3.2881% | 5,846 |
| Noninterest income to average assets | 0.4942% | 3,890 |
| Noninterest expense to average assets | 2.1528% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9608% | 2,354 |
| Return on assets (ROA) | 0.9608% | 2,487 |
| Pretax return on assets | 1.4826% | 1,526 |
| Return on Equity (ROE) | 10.6109% | 1,837 |
| Retained earnings to average equity (ytd only) | 2.3541% | 4,549 |
| Net charge-offs to loans | 0.0760% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 594 |
| Efficiency ratio | 59.2182% | 5,863 |
| Assets per employee ($millions) | 5.1824% | 1,963 |
| Cash dividends to net income (ytd only)* | 77.8146% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,305 |
| Loan loss allowance to noncurrent loans | 62.7389% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 5,299 |
| Noncurrent loans to loans | 1.5609% | 3,823 |
| Net loans and leases to total assets | 42.7061% | 6,322 |
| Net loans and leases to deposits | 48.8678% | 6,439 |
| Net loans and leases to core deposits | 52.7341% | 6,385 |
| Total domestic deposits to total assets | 87.3912% | 2,535 |
| Equity capital to assets | 9.3114% | 5,135 |
| Core capital (leverage) ratio | 9.1948% | 4,476 |
| Tier 1 risk-based capital ratio | 15.3746% | 3,404 |
| Total risk-based capital ratio | 16.0781% | 3,722 |
| Memoranda: | ||
| Average total assets | $94,296,400 | 5,068 |
| Average earning assets | $90,082,600 | 4,936 |
| Average equity | $8,538,400 | 5,391 |
| Average total loans | $39,494,800 | 5,716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 6,617 |
| Cost of funding earning assets | 0.7041% | 5,739 |
| Net interest margin | 3.2762% | 5,929 |
| Noninterest income to average assets | 0.4950% | 3,906 |
| Noninterest expense to average assets | 2.1984% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9307% | 2,615 |
| Return on assets (ROA) | 0.9307% | 2,772 |
| Pretax return on assets | 1.4327% | 1,838 |
| Return on Equity (ROE) | 10.3509% | 2,085 |
| Retained earnings to average equity (ytd only) | 2.2741% | 4,988 |
| Net charge-offs to loans | 0.0034% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,018.5188% | 25 |
| Efficiency ratio | 60.5437% | 5,631 |
| Assets per employee ($millions) | 4.8875% | 2,344 |
| Cash dividends to net income (ytd only)* | 78.0302% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 5,919 |
| Loan loss allowance to noncurrent loans | 63.8973% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 5,372 |
| Noncurrent loans to loans | 1.7099% | 3,746 |
| Net loans and leases to total assets | 41.2365% | 6,542 |
| Net loans and leases to deposits | 47.1165% | 6,679 |
| Net loans and leases to core deposits | 50.6823% | 6,639 |
| Total domestic deposits to total assets | 87.5202% | 2,340 |
| Equity capital to assets | 9.3106% | 5,366 |
| Core capital (leverage) ratio | 9.1260% | 4,755 |
| Tier 1 risk-based capital ratio | 15.8114% | 3,212 |
| Total risk-based capital ratio | 16.5931% | 3,433 |
| Memoranda: | ||
| Average total assets | $94,549,500 | 5,088 |
| Average earning assets | $90,510,000 | 4,939 |
| Average equity | $8,501,500 | 5,431 |
| Average total loans | $39,310,500 | 5,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 6,670 |
| Cost of funding earning assets | 0.7073% | 5,914 |
| Net interest margin | 3.2882% | 5,892 |
| Noninterest income to average assets | 0.4731% | 4,080 |
| Noninterest expense to average assets | 2.2836% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8706% | 2,766 |
| Return on assets (ROA) | 0.8706% | 2,859 |
| Pretax return on assets | 1.3374% | 2,009 |
| Return on Equity (ROE) | 9.7950% | 2,194 |
| Retained earnings to average equity (ytd only) | 2.2240% | 4,877 |
| Net charge-offs to loans | 0.0051% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 636.0000% | 44 |
| Efficiency ratio | 63.0662% | 5,393 |
| Assets per employee ($millions) | 4.9783% | 2,162 |
| Cash dividends to net income (ytd only)* | 77.2947% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,954 |
| Loan loss allowance to noncurrent loans | 70.8543% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,654 |
| Noncurrent loans to loans | 1.5540% | 4,076 |
| Net loans and leases to total assets | 40.1689% | 6,733 |
| Net loans and leases to deposits | 46.8461% | 6,789 |
| Net loans and leases to core deposits | 51.0946% | 6,709 |
| Total domestic deposits to total assets | 85.7466% | 3,472 |
| Equity capital to assets | 9.1544% | 5,353 |
| Core capital (leverage) ratio | 8.9442% | 4,815 |
| Tier 1 risk-based capital ratio | 15.6863% | 3,138 |
| Total risk-based capital ratio | 16.4665% | 3,353 |
| Memoranda: | ||
| Average total assets | $95,112,000 | 5,103 |
| Average earning assets | $91,053,330 | 4,966 |
| Average equity | $8,453,330 | 5,472 |
| Average total loans | $39,508,670 | 5,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 6,627 |
| Cost of funding earning assets | 0.7469% | 5,882 |
| Net interest margin | 3.2863% | 5,827 |
| Noninterest income to average assets | 0.4362% | 4,400 |
| Noninterest expense to average assets | 2.3445% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8053% | 3,000 |
| Return on assets (ROA) | 0.8053% | 3,065 |
| Pretax return on assets | 1.2288% | 2,277 |
| Return on Equity (ROE) | 9.1971% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.1971% | 1,320 |
| Net charge-offs to loans | 0.0100% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 100 |
| Efficiency ratio | 65.6103% | 5,103 |
| Assets per employee ($millions) | 5.6276% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,995 |
| Loan loss allowance to noncurrent loans | 82.6172% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 5,894 |
| Noncurrent loans to loans | 1.3475% | 4,463 |
| Net loans and leases to total assets | 39.2725% | 6,832 |
| Net loans and leases to deposits | 43.2947% | 6,975 |
| Net loans and leases to core deposits | 46.6437% | 6,945 |
| Total domestic deposits to total assets | 90.7097% | 760 |
| Equity capital to assets | 8.8659% | 5,400 |
| Core capital (leverage) ratio | 8.9586% | 4,679 |
| Tier 1 risk-based capital ratio | 15.5290% | 3,150 |
| Total risk-based capital ratio | 16.2927% | 3,362 |
| Memoranda: | ||
| Average total assets | $95,374,000 | 5,121 |
| Average earning assets | $91,045,500 | 5,005 |
| Average equity | $8,350,500 | 5,503 |
| Average total loans | $40,054,000 | 5,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 6,688 |
| Cost of funding earning assets | 1.1354% | 4,932 |
| Net interest margin | 3.2243% | 6,207 |
| Noninterest income to average assets | 0.5362% | 3,912 |
| Noninterest expense to average assets | 2.2533% | 6,469 |
| Loan and lease loss provision to assets | 0.0527% | 6,629 |
| Net operating income to assets | 0.8840% | 2,450 |
| Return on assets (ROA) | 0.8554% | 2,705 |
| Pretax return on assets | 1.2662% | 2,025 |
| Return on Equity (ROE) | 9.7484% | 2,019 |
| Retained earnings to average equity (ytd only) | 0.5042% | 5,330 |
| Net charge-offs to loans | 0.0980% | 5,875 |
| Credit loss provision to net charge-offs | 121.9512% | 3,438 |
| Earnings coverage of net charge-offs (x) | 31.5122% | 701 |
| Efficiency ratio | 62.3433% | 5,669 |
| Assets per employee ($millions) | 5.5928% | 1,503 |
| Cash dividends to net income (ytd only)* | 94.8276% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,359 |
| Loan loss allowance to noncurrent loans | 82.1705% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,943 |
| Noncurrent loans to loans | 1.2253% | 4,680 |
| Net loans and leases to total assets | 43.8472% | 6,728 |
| Net loans and leases to deposits | 50.0132% | 6,855 |
| Net loans and leases to core deposits | 53.1768% | 6,848 |
| Total domestic deposits to total assets | 87.6712% | 2,441 |
| Equity capital to assets | 8.6445% | 5,664 |
| Core capital (leverage) ratio | 8.8280% | 4,809 |
| Tier 1 risk-based capital ratio | 14.0090% | 3,866 |
| Total risk-based capital ratio | 14.7152% | 4,205 |
| Memoranda: | ||
| Average total assets | $94,929,400 | 5,131 |
| Average earning assets | $90,625,600 | 4,998 |
| Average equity | $8,329,600 | 5,608 |
| Average total loans | $41,833,000 | 5,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 6,800 |
| Cost of funding earning assets | 1.1771% | 4,996 |
| Net interest margin | 3.2341% | 6,234 |
| Noninterest income to average assets | 0.5480% | 3,809 |
| Noninterest expense to average assets | 2.3015% | 6,327 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9023% | 2,598 |
| Return on assets (ROA) | 0.8908% | 2,791 |
| Pretax return on assets | 1.3179% | 2,121 |
| Return on Equity (ROE) | 10.1147% | 2,081 |
| Retained earnings to average equity (ytd only) | 0.7817% | 5,495 |
| Net charge-offs to loans | 0.0096% | 6,533 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 316.6600% | 99 |
| Efficiency ratio | 63.2921% | 5,385 |
| Assets per employee ($millions) | 5.0322% | 2,134 |
| Cash dividends to net income (ytd only)* | 92.2715% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,329 |
| Loan loss allowance to noncurrent loans | 101.9802% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 6,367 |
| Noncurrent loans to loans | 0.9949% | 5,245 |
| Net loans and leases to total assets | 42.0412% | 6,974 |
| Net loans and leases to deposits | 48.6440% | 7,059 |
| Net loans and leases to core deposits | 52.4170% | 7,032 |
| Total domestic deposits to total assets | 86.4262% | 2,837 |
| Equity capital to assets | 8.9048% | 5,697 |
| Core capital (leverage) ratio | 9.0642% | 4,581 |
| Tier 1 risk-based capital ratio | 14.9646% | 3,266 |
| Total risk-based capital ratio | 15.6971% | 3,512 |
| Memoranda: | ||
| Average total assets | $94,892,250 | 5,194 |
| Average earning assets | $90,615,000 | 5,047 |
| Average equity | $8,357,250 | 5,672 |
| Average total loans | $41,763,000 | 5,923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 6,697 |
| Cost of funding earning assets | 1.2174% | 5,034 |
| Net interest margin | 3.2893% | 6,051 |
| Noninterest income to average assets | 0.5388% | 3,801 |
| Noninterest expense to average assets | 2.2926% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9410% | 2,400 |
| Return on assets (ROA) | 0.9022% | 2,661 |
| Pretax return on assets | 1.3291% | 2,005 |
| Return on Equity (ROE) | 10.2830% | 1,998 |
| Retained earnings to average equity (ytd only) | 1.0114% | 5,362 |
| Net charge-offs to loans | 0.0095% | 6,222 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 97 |
| Efficiency ratio | 62.3205% | 5,637 |
| Assets per employee ($millions) | 5.2252% | 1,900 |
| Cash dividends to net income (ytd only)* | 90.1639% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,414 |
| Loan loss allowance to noncurrent loans | 73.3570% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,996 |
| Noncurrent loans to loans | 1.3607% | 4,674 |
| Net loans and leases to total assets | 43.5516% | 6,959 |
| Net loans and leases to deposits | 50.5030% | 7,046 |
| Net loans and leases to core deposits | 53.0850% | 7,083 |
| Total domestic deposits to total assets | 86.2356% | 2,951 |
| Equity capital to assets | 9.0076% | 5,440 |
| Core capital (leverage) ratio | 8.9725% | 4,651 |
| Tier 1 risk-based capital ratio | 13.9529% | 3,767 |
| Total risk-based capital ratio | 14.6382% | 4,107 |
| Memoranda: | ||
| Average total assets | $94,652,670 | 5,230 |
| Average earning assets | $90,353,330 | 5,081 |
| Average equity | $8,305,000 | 5,693 |
| Average total loans | $42,148,000 | 5,947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 6,823 |
| Cost of funding earning assets | 1.2653% | 5,040 |
| Net interest margin | 3.2164% | 6,242 |
| Noninterest income to average assets | 0.5266% | 3,844 |
| Noninterest expense to average assets | 2.3170% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8831% | 2,621 |
| Return on assets (ROA) | 0.8046% | 3,038 |
| Pretax return on assets | 1.1585% | 2,518 |
| Return on Equity (ROE) | 9.2927% | 2,381 |
| Retained earnings to average equity (ytd only) | 0.2919% | 5,720 |
| Net charge-offs to loans | 0.0188% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 218 |
| Efficiency ratio | 64.5540% | 5,380 |
| Assets per employee ($millions) | 5.2169% | 1,945 |
| Cash dividends to net income (ytd only)* | 96.8586% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,366 |
| Loan loss allowance to noncurrent loans | 129.8742% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 6,633 |
| Noncurrent loans to loans | 0.7844% | 5,752 |
| Net loans and leases to total assets | 42.7309% | 7,078 |
| Net loans and leases to deposits | 49.4059% | 7,157 |
| Net loans and leases to core deposits | 52.8154% | 7,163 |
| Total domestic deposits to total assets | 86.4894% | 2,900 |
| Equity capital to assets | 8.7770% | 5,594 |
| Core capital (leverage) ratio | 8.6647% | 5,086 |
| Tier 1 risk-based capital ratio | 15.0511% | 3,097 |
| Total risk-based capital ratio | 15.7934% | 3,321 |
| Memoranda: | ||
| Average total assets | $94,952,000 | 5,287 |
| Average earning assets | $90,412,000 | 5,154 |
| Average equity | $8,221,500 | 5,759 |
| Average total loans | $42,534,500 | 6,005 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 5,659 |
| Cost of funding earning assets | 1.6262% | 4,908 |
| Net interest margin | 3.5724% | 4,644 |
| Noninterest income to average assets | 0.6261% | 3,453 |
| Noninterest expense to average assets | 2.4175% | 6,414 |
| Loan and lease loss provision to assets | 0.1307% | 6,326 |
| Net operating income to assets | 1.0094% | 1,804 |
| Return on assets (ROA) | 0.9159% | 2,189 |
| Pretax return on assets | 1.3246% | 1,627 |
| Return on Equity (ROE) | 10.6577% | 1,506 |
| Retained earnings to average equity (ytd only) | 3.7461% | 2,575 |
| Net charge-offs to loans | 0.0959% | 6,174 |
| Credit loss provision to net charge-offs | 289.4737% | 1,158 |
| Earnings coverage of net charge-offs (x) | 35.2368% | 667 |
| Efficiency ratio | 60.3142% | 6,434 |
| Assets per employee ($millions) | 5.0526% | 2,150 |
| Cash dividends to net income (ytd only)* | 64.8508% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,698 |
| Loan loss allowance to noncurrent loans | 451.0870% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,258 |
| Noncurrent loans to loans | 0.2066% | 6,911 |
| Net loans and leases to total assets | 45.9531% | 6,980 |
| Net loans and leases to deposits | 52.8722% | 7,114 |
| Net loans and leases to core deposits | 64.0620% | 7,085 |
| Total domestic deposits to total assets | 86.9135% | 2,557 |
| Equity capital to assets | 8.5427% | 5,823 |
| Core capital (leverage) ratio | 8.6649% | 4,986 |
| Tier 1 risk-based capital ratio | 14.3172% | 3,313 |
| Total risk-based capital ratio | 15.0273% | 3,583 |
| Memoranda: | ||
| Average total assets | $84,176,800 | 5,587 |
| Average earning assets | $79,693,600 | 5,466 |
| Average equity | $7,234,200 | 6,194 |
| Average total loans | $39,617,600 | 6,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 5,696 |
| Cost of funding earning assets | 1.6939% | 4,929 |
| Net interest margin | 3.5540% | 4,657 |
| Noninterest income to average assets | 0.6172% | 3,567 |
| Noninterest expense to average assets | 2.3983% | 6,424 |
| Loan and lease loss provision to assets | 0.1477% | 5,879 |
| Net operating income to assets | 0.9980% | 2,065 |
| Return on assets (ROA) | 0.9505% | 2,293 |
| Pretax return on assets | 1.3707% | 1,768 |
| Return on Equity (ROE) | 11.0401% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.0401% | 466 |
| Net charge-offs to loans | 0.1355% | 5,346 |
| Credit loss provision to net charge-offs | 230.7692% | 1,893 |
| Earnings coverage of net charge-offs (x) | 24.7942% | 1,081 |
| Efficiency ratio | 60.1730% | 6,390 |
| Assets per employee ($millions) | 5.0102% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 6,803 |
| Loan loss allowance to noncurrent loans | 856.5217% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 7,452 |
| Noncurrent loans to loans | 0.1038% | 7,217 |
| Net loans and leases to total assets | 43.8510% | 7,256 |
| Net loans and leases to deposits | 50.4808% | 7,388 |
| Net loans and leases to core deposits | 61.5708% | 7,338 |
| Total domestic deposits to total assets | 86.8667% | 2,249 |
| Equity capital to assets | 8.7023% | 5,947 |
| Core capital (leverage) ratio | 9.0962% | 4,496 |
| Tier 1 risk-based capital ratio | 14.5241% | 3,266 |
| Total risk-based capital ratio | 15.1837% | 3,534 |
| Memoranda: | ||
| Average total assets | $81,221,000 | 5,724 |
| Average earning assets | $76,982,250 | 5,595 |
| Average equity | $6,992,500 | 6,317 |
| Average total loans | $38,389,500 | 6,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 4,924 |
| Cost of funding earning assets | 1.7984% | 4,769 |
| Net interest margin | 3.6450% | 4,195 |
| Noninterest income to average assets | 0.6249% | 3,501 |
| Noninterest expense to average assets | 2.4114% | 6,421 |
| Loan and lease loss provision to assets | 0.1602% | 5,461 |
| Net operating income to assets | 1.0361% | 1,988 |
| Return on assets (ROA) | 1.0174% | 2,137 |
| Pretax return on assets | 1.4634% | 1,552 |
| Return on Equity (ROE) | 11.8753% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.8753% | 466 |
| Net charge-offs to loans | 0.0549% | 5,726 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 580 |
| Efficiency ratio | 59.3688% | 6,638 |
| Assets per employee ($millions) | 5.1317% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,522 |
| Loan loss allowance to noncurrent loans | 3,023.0769% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 7,282 |
| Noncurrent loans to loans | 0.0367% | 7,446 |
| Net loans and leases to total assets | 48.7069% | 6,976 |
| Net loans and leases to deposits | 57.6481% | 7,051 |
| Net loans and leases to core deposits | 71.6013% | 6,924 |
| Total domestic deposits to total assets | 84.4900% | 3,507 |
| Equity capital to assets | 9.3675% | 4,787 |
| Core capital (leverage) ratio | 9.0839% | 4,492 |
| Tier 1 risk-based capital ratio | 14.2337% | 3,389 |
| Total risk-based capital ratio | 15.0653% | 3,559 |
| Memoranda: | ||
| Average total assets | $74,893,670 | 5,950 |
| Average earning assets | $70,616,670 | 5,864 |
| Average equity | $6,416,670 | 6,566 |
| Average total loans | $36,408,000 | 6,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 5,295 |
| Cost of funding earning assets | 1.8915% | 4,669 |
| Net interest margin | 3.5326% | 4,604 |
| Noninterest income to average assets | 0.4606% | 4,677 |
| Noninterest expense to average assets | 2.3136% | 6,492 |
| Loan and lease loss provision to assets | 0.1570% | 4,924 |
| Net operating income to assets | 0.9365% | 2,560 |
| Return on assets (ROA) | 0.8584% | 3,033 |
| Pretax return on assets | 1.2039% | 2,615 |
| Return on Equity (ROE) | 10.4792% | 2,138 |
| Retained earnings to average equity (ytd only) | 10.4792% | 1,080 |
| Net charge-offs to loans | 0.0325% | 5,060 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 453 |
| Efficiency ratio | 61.1342% | 6,231 |
| Assets per employee ($millions) | 5.8100% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,966 |
| Loan loss allowance to noncurrent loans | 2,846.1538% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 7,264 |
| Noncurrent loans to loans | 0.0361% | 7,446 |
| Net loans and leases to total assets | 47.1839% | 7,087 |
| Net loans and leases to deposits | 54.9376% | 7,227 |
| Net loans and leases to core deposits | 70.9355% | 6,964 |
| Total domestic deposits to total assets | 85.8864% | 2,781 |
| Equity capital to assets | 8.2140% | 6,517 |
| Core capital (leverage) ratio | 8.4322% | 5,658 |
| Tier 1 risk-based capital ratio | 13.2345% | 4,034 |
| Total risk-based capital ratio | 13.9866% | 4,281 |
| Memoranda: | ||
| Average total assets | $76,418,500 | 5,932 |
| Average earning assets | $71,901,500 | 5,847 |
| Average equity | $6,260,000 | 6,667 |
| Average total loans | $36,919,000 | 6,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 6,786 |
| Cost of funding earning assets | 2.5626% | 3,889 |
| Net interest margin | 3.1359% | 6,555 |
| Noninterest income to average assets | 0.6148% | 3,743 |
| Noninterest expense to average assets | 2.1405% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4622% | 1,099 |
| Return on assets (ROA) | 0.3477% | 5,174 |
| Pretax return on assets | 0.3173% | 5,474 |
| Return on Equity (ROE) | 4.2429% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.2097% | 5,100 |
| Net charge-offs to loans | 0.0591% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.2273% | 768 |
| Efficiency ratio | 59.9186% | 6,355 |
| Assets per employee ($millions) | 5.1538% | 1,775 |
| Cash dividends to net income (ytd only)* | 95.0570% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 6,637 |
| Loan loss allowance to noncurrent loans | 2,017.6471% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 6,798 |
| Noncurrent loans to loans | 0.0449% | 7,327 |
| Net loans and leases to total assets | 48.4911% | 7,147 |
| Net loans and leases to deposits | 56.3062% | 7,297 |
| Net loans and leases to core deposits | 73.9593% | 6,967 |
| Total domestic deposits to total assets | 86.1203% | 2,347 |
| Equity capital to assets | 8.1700% | 6,594 |
| Core capital (leverage) ratio | 8.3574% | 5,838 |
| Tier 1 risk-based capital ratio | 12.8229% | 4,204 |
| Total risk-based capital ratio | 13.5178% | 4,498 |
| Memoranda: | ||
| Average total assets | $75,637,800 | 5,853 |
| Average earning assets | $71,334,800 | 5,767 |
| Average equity | $6,198,600 | 6,738 |
| Average total loans | $37,243,200 | 6,301 |