Home > The Peoples State Bank > Performance and Condition Ratios
The Peoples State Bank, Performance and Condition Ratios
| 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 | 4.1472% | 5,002 |
| Cost of funding earning assets | 0.6512% | 4,189 |
| Net interest margin | 3.4960% | 4,662 |
| Noninterest income to average assets | 0.6868% | 2,774 |
| Noninterest expense to average assets | 2.8304% | 3,871 |
| Loan and lease loss provision to assets | 0.0410% | 5,264 |
| Net operating income to assets | 0.7698% | 3,604 |
| Return on assets (ROA) | 0.7305% | 4,018 |
| Pretax return on assets | 0.9635% | 3,857 |
| Return on Equity (ROE) | 7.4480% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.5962% | 2,964 |
| Net charge-offs to loans | -0.0513% | 6,718 |
| Credit loss provision to net charge-offs | -149.5146% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8244% | 3,180 |
| Assets per employee ($millions) | 3.2721% | 5,500 |
| Cash dividends to net income (ytd only)* | 24.8633% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,675 |
| Loan loss allowance to noncurrent loans | 262.2711% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 5,263 |
| Noncurrent loans to loans | 0.5071% | 5,427 |
| Net loans and leases to total assets | 54.4747% | 4,672 |
| Net loans and leases to deposits | 65.4738% | 4,537 |
| Net loans and leases to core deposits | 71.9866% | 4,253 |
| Total domestic deposits to total assets | 83.2008% | 4,562 |
| Equity capital to assets | 10.5460% | 3,785 |
| Core capital (leverage) ratio | 9.3298% | 4,532 |
| Tier 1 risk-based capital ratio | 14.2340% | 4,360 |
| Total risk-based capital ratio | 15.3498% | 4,418 |
| Memoranda: | ||
| Average total assets | $500,654,000 | 1,349 |
| Average earning assets | $458,229,750 | 1,350 |
| Average equity | $49,103,500 | 1,452 |
| Average total loans | $267,676,500 | 1,557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 5,447 |
| Cost of funding earning assets | 0.6809% | 4,177 |
| Net interest margin | 3.3819% | 5,153 |
| Noninterest income to average assets | 0.6732% | 2,813 |
| Noninterest expense to average assets | 2.8569% | 3,792 |
| Loan and lease loss provision to assets | 0.0535% | 4,993 |
| Net operating income to assets | 0.6667% | 4,030 |
| Return on assets (ROA) | 0.6075% | 4,591 |
| Pretax return on assets | 0.7841% | 4,530 |
| Return on Equity (ROE) | 6.3477% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.2801% | 3,110 |
| Net charge-offs to loans | 0.1078% | 4,104 |
| Credit loss provision to net charge-offs | 93.7500% | 2,935 |
| Earnings coverage of net charge-offs (x) | 16.0347% | 1,615 |
| Efficiency ratio | 75.7534% | 2,777 |
| Assets per employee ($millions) | 3.2789% | 5,494 |
| Cash dividends to net income (ytd only)* | 16.8188% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,261 |
| Loan loss allowance to noncurrent loans | 212.2998% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 5,273 |
| Noncurrent loans to loans | 0.5752% | 5,362 |
| Net loans and leases to total assets | 54.1400% | 4,776 |
| Net loans and leases to deposits | 64.3516% | 4,714 |
| Net loans and leases to core deposits | 70.9033% | 4,427 |
| Total domestic deposits to total assets | 84.1315% | 4,261 |
| Equity capital to assets | 10.0234% | 4,297 |
| Core capital (leverage) ratio | 8.7969% | 5,217 |
| Tier 1 risk-based capital ratio | 13.8169% | 4,585 |
| Total risk-based capital ratio | 14.8372% | 4,724 |
| Memoranda: | ||
| Average total assets | $505,025,330 | 1,340 |
| Average earning assets | $462,642,670 | 1,337 |
| Average equity | $48,332,670 | 1,459 |
| Average total loans | $267,180,000 | 1,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 5,752 |
| Cost of funding earning assets | 0.6958% | 4,319 |
| Net interest margin | 3.3053% | 5,453 |
| Noninterest income to average assets | 0.6667% | 2,830 |
| Noninterest expense to average assets | 2.7483% | 4,246 |
| Loan and lease loss provision to assets | 0.0039% | 5,220 |
| Net operating income to assets | 0.7212% | 3,775 |
| Return on assets (ROA) | 0.6204% | 4,464 |
| Pretax return on assets | 0.8110% | 4,370 |
| Return on Equity (ROE) | 6.6351% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.4710% | 3,907 |
| Net charge-offs to loans | 0.2761% | 2,567 |
| Credit loss provision to net charge-offs | 2.7322% | 3,974 |
| Earnings coverage of net charge-offs (x) | 6.6011% | 2,178 |
| Efficiency ratio | 74.3633% | 3,041 |
| Assets per employee ($millions) | 3.5845% | 4,921 |
| Cash dividends to net income (ytd only)* | 32.6169% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,491 |
| Loan loss allowance to noncurrent loans | 257.7869% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 5,592 |
| Noncurrent loans to loans | 0.4652% | 5,746 |
| Net loans and leases to total assets | 49.5060% | 5,371 |
| Net loans and leases to deposits | 58.1985% | 5,350 |
| Net loans and leases to core deposits | 64.2254% | 5,086 |
| Total domestic deposits to total assets | 85.0639% | 4,006 |
| Equity capital to assets | 9.2538% | 5,152 |
| Core capital (leverage) ratio | 8.5909% | 5,453 |
| Tier 1 risk-based capital ratio | 13.6718% | 4,699 |
| Total risk-based capital ratio | 14.6461% | 4,892 |
| Memoranda: | ||
| Average total assets | $509,981,500 | 1,333 |
| Average earning assets | $467,368,000 | 1,329 |
| Average equity | $47,685,500 | 1,469 |
| Average total loans | $265,086,000 | 1,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 5,896 |
| Cost of funding earning assets | 0.8604% | 4,391 |
| Net interest margin | 3.3969% | 5,489 |
| Noninterest income to average assets | 0.6922% | 2,649 |
| Noninterest expense to average assets | 3.0996% | 3,196 |
| Loan and lease loss provision to assets | 0.1493% | 4,749 |
| Net operating income to assets | 0.3987% | 4,872 |
| Return on assets (ROA) | 0.6740% | 3,806 |
| Pretax return on assets | 0.9131% | 3,566 |
| Return on Equity (ROE) | 7.1705% | 3,322 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0593% | 5,714 |
| Credit loss provision to net charge-offs | 509.7902% | 445 |
| Earnings coverage of net charge-offs (x) | 23.5664% | 1,016 |
| Efficiency ratio | 81.7838% | 2,052 |
| Assets per employee ($millions) | 3.4016% | 5,242 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 5,228 |
| Loan loss allowance to noncurrent loans | 171.2004% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 5,083 |
| Noncurrent loans to loans | 0.7244% | 5,249 |
| Net loans and leases to total assets | 53.2837% | 5,131 |
| Net loans and leases to deposits | 62.9810% | 5,123 |
| Net loans and leases to core deposits | 67.7993% | 5,054 |
| Total domestic deposits to total assets | 84.6029% | 4,044 |
| Equity capital to assets | 9.4523% | 4,961 |
| Core capital (leverage) ratio | 8.9016% | 4,937 |
| Tier 1 risk-based capital ratio | 13.4754% | 4,708 |
| Total risk-based capital ratio | 14.5027% | 4,851 |
| Memoranda: | ||
| Average total assets | $488,135,000 | 1,369 |
| Average earning assets | $445,146,200 | 1,359 |
| Average equity | $45,882,600 | 1,485 |
| Average total loans | $241,210,800 | 1,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 5,937 |
| Cost of funding earning assets | 0.8999% | 4,398 |
| Net interest margin | 3.4044% | 5,552 |
| Noninterest income to average assets | 0.7086% | 2,553 |
| Noninterest expense to average assets | 3.1705% | 2,925 |
| Loan and lease loss provision to assets | 0.0104% | 6,302 |
| Net operating income to assets | 0.4633% | 4,708 |
| Return on assets (ROA) | 0.7333% | 3,638 |
| Pretax return on assets | 0.9997% | 3,408 |
| Return on Equity (ROE) | 7.8126% | 3,128 |
| Retained earnings to average equity (ytd only) | 0.8155% | 5,685 |
| Net charge-offs to loans | 0.0688% | 5,268 |
| Credit loss provision to net charge-offs | 31.4050% | 5,391 |
| Earnings coverage of net charge-offs (x) | 19.2892% | 1,267 |
| Efficiency ratio | 83.1978% | 1,829 |
| Assets per employee ($millions) | 3.2089% | 5,655 |
| Cash dividends to net income (ytd only)* | 89.5623% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,900 |
| Loan loss allowance to noncurrent loans | 166.3950% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 5,400 |
| Noncurrent loans to loans | 0.6597% | 5,568 |
| Net loans and leases to total assets | 48.7049% | 5,872 |
| Net loans and leases to deposits | 57.8187% | 5,856 |
| Net loans and leases to core deposits | 62.7783% | 5,739 |
| Total domestic deposits to total assets | 84.2373% | 4,123 |
| Equity capital to assets | 9.6989% | 4,781 |
| Core capital (leverage) ratio | 8.9204% | 5,066 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,994 |
| Total risk-based capital ratio | 15.3528% | 4,252 |
| Memoranda: | ||
| Average total assets | $486,010,750 | 1,378 |
| Average earning assets | $442,863,000 | 1,380 |
| Average equity | $45,617,500 | 1,491 |
| Average total loans | $234,526,750 | 1,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 5,939 |
| Cost of funding earning assets | 0.9348% | 4,424 |
| Net interest margin | 3.3899% | 5,586 |
| Noninterest income to average assets | 0.7164% | 2,451 |
| Noninterest expense to average assets | 3.3723% | 2,337 |
| Loan and lease loss provision to assets | 0.0087% | 6,155 |
| Net operating income to assets | 0.2810% | 5,447 |
| Return on assets (ROA) | 0.4608% | 4,806 |
| Pretax return on assets | 0.6900% | 4,418 |
| Return on Equity (ROE) | 4.9654% | 4,466 |
| Retained earnings to average equity (ytd only) | -1.1969% | 6,089 |
| Net charge-offs to loans | 0.0724% | 4,922 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 12.4048% | 1,631 |
| Efficiency ratio | 88.6850% | 1,349 |
| Assets per employee ($millions) | 3.0312% | 6,015 |
| Cash dividends to net income (ytd only)* | 124.1039% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,902 |
| Loan loss allowance to noncurrent loans | 168.4940% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 5,646 |
| Noncurrent loans to loans | 0.6616% | 5,589 |
| Net loans and leases to total assets | 48.3029% | 6,024 |
| Net loans and leases to deposits | 57.2028% | 6,030 |
| Net loans and leases to core deposits | 62.2499% | 5,882 |
| Total domestic deposits to total assets | 84.4415% | 4,149 |
| Equity capital to assets | 9.5112% | 4,801 |
| Core capital (leverage) ratio | 8.8054% | 5,037 |
| Tier 1 risk-based capital ratio | 14.3258% | 3,918 |
| Total risk-based capital ratio | 15.2104% | 4,169 |
| Memoranda: | ||
| Average total assets | $484,360,000 | 1,389 |
| Average earning assets | $440,961,670 | 1,391 |
| Average equity | $44,950,670 | 1,499 |
| Average total loans | $232,110,000 | 1,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 5,964 |
| Cost of funding earning assets | 0.9620% | 4,483 |
| Net interest margin | 3.3556% | 5,593 |
| Noninterest income to average assets | 0.7592% | 2,222 |
| Noninterest expense to average assets | 2.9962% | 3,655 |
| Loan and lease loss provision to assets | 0.0025% | 5,826 |
| Net operating income to assets | 0.5899% | 4,085 |
| Return on assets (ROA) | 0.8989% | 2,628 |
| Pretax return on assets | 1.2382% | 2,238 |
| Return on Equity (ROE) | 9.8109% | 2,166 |
| Retained earnings to average equity (ytd only) | 0.0545% | 5,772 |
| Net charge-offs to loans | 0.0929% | 4,013 |
| Credit loss provision to net charge-offs | 5.6604% | 4,424 |
| Earnings coverage of net charge-offs (x) | 18.5472% | 1,177 |
| Efficiency ratio | 78.5652% | 2,757 |
| Assets per employee ($millions) | 2.9957% | 6,151 |
| Cash dividends to net income (ytd only)* | 99.4450% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,841 |
| Loan loss allowance to noncurrent loans | 171.8031% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,794 |
| Noncurrent loans to loans | 0.6707% | 5,690 |
| Net loans and leases to total assets | 46.6356% | 6,221 |
| Net loans and leases to deposits | 54.8576% | 6,223 |
| Net loans and leases to core deposits | 59.6865% | 6,119 |
| Total domestic deposits to total assets | 85.0122% | 4,027 |
| Equity capital to assets | 8.9732% | 5,245 |
| Core capital (leverage) ratio | 8.9864% | 4,634 |
| Tier 1 risk-based capital ratio | 14.2493% | 3,908 |
| Total risk-based capital ratio | 15.1280% | 4,128 |
| Memoranda: | ||
| Average total assets | $481,014,500 | 1,406 |
| Average earning assets | $437,830,500 | 1,410 |
| Average equity | $44,073,500 | 1,513 |
| Average total loans | $228,232,000 | 1,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 5,696 |
| Cost of funding earning assets | 1.0946% | 5,156 |
| Net interest margin | 3.6341% | 4,651 |
| Noninterest income to average assets | 0.8357% | 2,119 |
| Noninterest expense to average assets | 3.4172% | 2,391 |
| Loan and lease loss provision to assets | 0.1169% | 5,988 |
| Net operating income to assets | 0.4401% | 4,363 |
| Return on assets (ROA) | 0.6555% | 3,557 |
| Pretax return on assets | 0.8414% | 3,495 |
| Return on Equity (ROE) | 6.6339% | 3,290 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.4676% | 3,745 |
| Credit loss provision to net charge-offs | 53.5211% | 6,207 |
| Earnings coverage of net charge-offs (x) | 3.1227% | 3,513 |
| Efficiency ratio | 83.3601% | 2,004 |
| Assets per employee ($millions) | 2.8695% | 6,402 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 5,388 |
| Loan loss allowance to noncurrent loans | 127.1249% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,752 |
| Noncurrent loans to loans | 0.9643% | 5,124 |
| Net loans and leases to total assets | 47.1470% | 6,465 |
| Net loans and leases to deposits | 55.9164% | 6,451 |
| Net loans and leases to core deposits | 60.9461% | 6,320 |
| Total domestic deposits to total assets | 84.3170% | 4,219 |
| Equity capital to assets | 9.3628% | 4,598 |
| Core capital (leverage) ratio | 9.3728% | 3,894 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,593 |
| Total risk-based capital ratio | 15.3475% | 3,772 |
| Memoranda: | ||
| Average total assets | $455,053,000 | 1,461 |
| Average earning assets | $408,658,800 | 1,488 |
| Average equity | $44,966,200 | 1,485 |
| Average total loans | $212,562,600 | 2,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 5,372 |
| Cost of funding earning assets | 1.1279% | 5,264 |
| Net interest margin | 3.7498% | 4,186 |
| Noninterest income to average assets | 0.8846% | 1,853 |
| Noninterest expense to average assets | 3.3574% | 2,408 |
| Loan and lease loss provision to assets | 0.0534% | 6,542 |
| Net operating income to assets | 0.6480% | 3,653 |
| Return on assets (ROA) | 0.7946% | 3,186 |
| Pretax return on assets | 1.0194% | 3,113 |
| Return on Equity (ROE) | 7.9333% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.5292% | 3,969 |
| Net charge-offs to loans | 0.4720% | 3,388 |
| Credit loss provision to net charge-offs | 24.3607% | 6,207 |
| Earnings coverage of net charge-offs (x) | 4.0364% | 3,209 |
| Efficiency ratio | 79.1417% | 2,465 |
| Assets per employee ($millions) | 2.8744% | 6,437 |
| Cash dividends to net income (ytd only)* | 55.5142% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 5,326 |
| Loan loss allowance to noncurrent loans | 146.5814% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 5,334 |
| Noncurrent loans to loans | 0.8414% | 5,537 |
| Net loans and leases to total assets | 45.3497% | 6,750 |
| Net loans and leases to deposits | 54.5315% | 6,726 |
| Net loans and leases to core deposits | 59.7132% | 6,631 |
| Total domestic deposits to total assets | 83.1624% | 4,524 |
| Equity capital to assets | 10.1692% | 3,921 |
| Core capital (leverage) ratio | 9.7968% | 3,491 |
| Tier 1 risk-based capital ratio | 13.9268% | 3,894 |
| Total risk-based capital ratio | 14.7473% | 4,162 |
| Memoranda: | ||
| Average total assets | $451,882,500 | 1,490 |
| Average earning assets | $404,637,250 | 1,527 |
| Average equity | $45,259,500 | 1,486 |
| Average total loans | $209,888,250 | 2,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 4,847 |
| Cost of funding earning assets | 1.1519% | 5,393 |
| Net interest margin | 3.8688% | 3,595 |
| Noninterest income to average assets | 0.9153% | 1,638 |
| Noninterest expense to average assets | 3.3947% | 2,274 |
| Loan and lease loss provision to assets | 0.0371% | 6,587 |
| Net operating income to assets | 0.7220% | 3,306 |
| Return on assets (ROA) | 0.9426% | 2,485 |
| Pretax return on assets | 1.2354% | 2,307 |
| Return on Equity (ROE) | 9.4611% | 2,289 |
| Retained earnings to average equity (ytd only) | 4.5465% | 3,181 |
| Net charge-offs to loans | 0.5226% | 2,966 |
| Credit loss provision to net charge-offs | 15.2294% | 5,892 |
| Earnings coverage of net charge-offs (x) | 4.0312% | 3,082 |
| Efficiency ratio | 77.5564% | 2,801 |
| Assets per employee ($millions) | 2.7704% | 6,637 |
| Cash dividends to net income (ytd only)* | 51.9450% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,962 |
| Loan loss allowance to noncurrent loans | 121.4825% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 5,105 |
| Noncurrent loans to loans | 1.0650% | 5,185 |
| Net loans and leases to total assets | 46.2422% | 6,765 |
| Net loans and leases to deposits | 55.6920% | 6,751 |
| Net loans and leases to core deposits | 59.9650% | 6,717 |
| Total domestic deposits to total assets | 83.0321% | 4,560 |
| Equity capital to assets | 10.2772% | 3,677 |
| Core capital (leverage) ratio | 9.8325% | 3,363 |
| Tier 1 risk-based capital ratio | 13.3773% | 4,151 |
| Total risk-based capital ratio | 14.1987% | 4,444 |
| Memoranda: | ||
| Average total assets | $447,290,330 | 1,528 |
| Average earning assets | $400,225,000 | 1,546 |
| Average equity | $44,561,330 | 1,493 |
| Average total loans | $208,580,330 | 2,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 5,216 |
| Cost of funding earning assets | 1.1490% | 5,665 |
| Net interest margin | 3.8057% | 3,775 |
| Noninterest income to average assets | 0.9264% | 1,525 |
| Noninterest expense to average assets | 3.2879% | 2,566 |
| Loan and lease loss provision to assets | 0.0656% | 5,979 |
| Net operating income to assets | 0.7423% | 3,248 |
| Return on assets (ROA) | 0.9786% | 2,329 |
| Pretax return on assets | 1.2886% | 2,078 |
| Return on Equity (ROE) | 9.9824% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.8949% | 3,210 |
| Net charge-offs to loans | 0.1970% | 3,729 |
| Credit loss provision to net charge-offs | 71.5686% | 4,064 |
| Earnings coverage of net charge-offs (x) | 11.3824% | 1,645 |
| Efficiency ratio | 75.9129% | 3,232 |
| Assets per employee ($millions) | 2.7511% | 6,753 |
| Cash dividends to net income (ytd only)* | 50.9642% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 3,941 |
| Loan loss allowance to noncurrent loans | 73.2271% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3040% | 4,585 |
| Noncurrent loans to loans | 2.0395% | 3,729 |
| Net loans and leases to total assets | 45.7847% | 6,843 |
| Net loans and leases to deposits | 54.7627% | 6,870 |
| Net loans and leases to core deposits | 58.9481% | 6,821 |
| Total domestic deposits to total assets | 83.6056% | 4,339 |
| Equity capital to assets | 9.5715% | 4,421 |
| Core capital (leverage) ratio | 9.8509% | 3,340 |
| Tier 1 risk-based capital ratio | 13.2807% | 4,141 |
| Total risk-based capital ratio | 14.2355% | 4,317 |
| Memoranda: | ||
| Average total assets | $445,144,000 | 1,574 |
| Average earning assets | $398,242,500 | 1,596 |
| Average equity | $43,637,000 | 1,534 |
| Average total loans | $207,091,000 | 2,205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 5,740 |
| Cost of funding earning assets | 1.5255% | 5,400 |
| Net interest margin | 3.6548% | 4,332 |
| Noninterest income to average assets | 0.8596% | 2,144 |
| Noninterest expense to average assets | 3.2578% | 3,159 |
| Loan and lease loss provision to assets | 0.4010% | 4,407 |
| Net operating income to assets | 0.4497% | 3,926 |
| Return on assets (ROA) | 0.7081% | 2,965 |
| Pretax return on assets | 0.7741% | 3,326 |
| Return on Equity (ROE) | 7.9436% | 2,395 |
| Retained earnings to average equity (ytd only) | 2.3061% | 3,503 |
| Net charge-offs to loans | 0.6399% | 3,277 |
| Credit loss provision to net charge-offs | 136.7896% | 3,606 |
| Earnings coverage of net charge-offs (x) | 3.0399% | 3,557 |
| Efficiency ratio | 78.5206% | 3,116 |
| Assets per employee ($millions) | 2.6766% | 6,897 |
| Cash dividends to net income (ytd only)* | 70.9698% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,346 |
| Loan loss allowance to noncurrent loans | 96.4426% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 4,854 |
| Noncurrent loans to loans | 1.6427% | 4,184 |
| Net loans and leases to total assets | 45.8302% | 6,995 |
| Net loans and leases to deposits | 55.4728% | 6,953 |
| Net loans and leases to core deposits | 63.5084% | 7,119 |
| Total domestic deposits to total assets | 82.6174% | 4,700 |
| Equity capital to assets | 10.0467% | 3,695 |
| Core capital (leverage) ratio | 10.0430% | 3,041 |
| Tier 1 risk-based capital ratio | 13.9904% | 3,508 |
| Total risk-based capital ratio | 15.0178% | 3,589 |
| Memoranda: | ||
| Average total assets | $444,137,400 | 1,566 |
| Average earning assets | $399,726,200 | 1,591 |
| Average equity | $39,591,400 | 1,698 |
| Average total loans | $203,469,400 | 2,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 5,599 |
| Cost of funding earning assets | 1.6388% | 5,207 |
| Net interest margin | 3.6259% | 4,392 |
| Noninterest income to average assets | 0.8556% | 2,176 |
| Noninterest expense to average assets | 3.2493% | 3,127 |
| Loan and lease loss provision to assets | 0.3892% | 3,983 |
| Net operating income to assets | 0.4825% | 4,066 |
| Return on assets (ROA) | 0.6192% | 3,586 |
| Pretax return on assets | 0.6264% | 4,102 |
| Return on Equity (ROE) | 7.1676% | 2,995 |
| Retained earnings to average equity (ytd only) | 2.8083% | 3,760 |
| Net charge-offs to loans | 0.7410% | 2,511 |
| Credit loss provision to net charge-offs | 115.0927% | 4,411 |
| Earnings coverage of net charge-offs (x) | 2.5949% | 3,926 |
| Efficiency ratio | 78.7388% | 3,045 |
| Assets per employee ($millions) | 2.5769% | 7,094 |
| Cash dividends to net income (ytd only)* | 60.8191% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 3,787 |
| Loan loss allowance to noncurrent loans | 88.3557% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 4,511 |
| Noncurrent loans to loans | 1.6174% | 4,215 |
| Net loans and leases to total assets | 46.3367% | 7,083 |
| Net loans and leases to deposits | 56.7718% | 7,041 |
| Net loans and leases to core deposits | 64.6557% | 7,217 |
| Total domestic deposits to total assets | 81.6193% | 4,829 |
| Equity capital to assets | 10.7388% | 3,258 |
| Core capital (leverage) ratio | 10.0620% | 3,218 |
| Tier 1 risk-based capital ratio | 14.5950% | 3,226 |
| Total risk-based capital ratio | 15.5659% | 3,322 |
| Memoranda: | ||
| Average total assets | $446,770,000 | 1,562 |
| Average earning assets | $403,047,500 | 1,589 |
| Average equity | $38,598,500 | 1,758 |
| Average total loans | $203,856,250 | 2,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 5,528 |
| Cost of funding earning assets | 1.8325% | 4,596 |
| Net interest margin | 3.4930% | 4,829 |
| Noninterest income to average assets | 0.9340% | 1,823 |
| Noninterest expense to average assets | 3.2173% | 3,283 |
| Loan and lease loss provision to assets | 0.3816% | 3,635 |
| Net operating income to assets | 0.5015% | 4,083 |
| Return on assets (ROA) | 0.6421% | 3,599 |
| Pretax return on assets | 0.6275% | 4,240 |
| Return on Equity (ROE) | 8.0532% | 2,749 |
| Retained earnings to average equity (ytd only) | 2.4015% | 3,994 |
| Net charge-offs to loans | 0.5333% | 2,727 |
| Credit loss provision to net charge-offs | 158.3486% | 2,907 |
| Earnings coverage of net charge-offs (x) | 3.6037% | 3,376 |
| Efficiency ratio | 78.7423% | 3,225 |
| Assets per employee ($millions) | 2.7077% | 6,807 |
| Cash dividends to net income (ytd only)* | 70.1791% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,227 |
| Loan loss allowance to noncurrent loans | 84.8366% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 4,162 |
| Noncurrent loans to loans | 1.7630% | 3,861 |
| Net loans and leases to total assets | 45.0569% | 7,262 |
| Net loans and leases to deposits | 56.1846% | 7,157 |
| Net loans and leases to core deposits | 65.9125% | 7,217 |
| Total domestic deposits to total assets | 80.1944% | 5,398 |
| Equity capital to assets | 9.5122% | 4,598 |
| Core capital (leverage) ratio | 9.6329% | 3,724 |
| Tier 1 risk-based capital ratio | 14.0078% | 3,516 |
| Total risk-based capital ratio | 14.9955% | 3,597 |
| Memoranda: | ||
| Average total assets | $452,247,670 | 1,564 |
| Average earning assets | $408,070,000 | 1,593 |
| Average equity | $36,060,330 | 1,890 |
| Average total loans | $204,376,670 | 2,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 5,122 |
| Cost of funding earning assets | 1.9157% | 4,553 |
| Net interest margin | 3.5434% | 4,550 |
| Noninterest income to average assets | 0.7950% | 2,356 |
| Noninterest expense to average assets | 3.1161% | 3,316 |
| Loan and lease loss provision to assets | 0.2805% | 3,714 |
| Net operating income to assets | 0.5912% | 4,052 |
| Return on assets (ROA) | 0.6092% | 4,173 |
| Pretax return on assets | 0.6206% | 4,692 |
| Return on Equity (ROE) | 8.4318% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.0070% | 5,241 |
| Net charge-offs to loans | 0.1795% | 3,565 |
| Credit loss provision to net charge-offs | 347.8261% | 1,446 |
| Earnings coverage of net charge-offs (x) | 10.9457% | 1,905 |
| Efficiency ratio | 77.9263% | 3,175 |
| Assets per employee ($millions) | 2.5912% | 7,111 |
| Cash dividends to net income (ytd only)* | 88.0576% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 3,175 |
| Loan loss allowance to noncurrent loans | 71.2077% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 4,147 |
| Noncurrent loans to loans | 2.0515% | 3,196 |
| Net loans and leases to total assets | 43.6023% | 7,376 |
| Net loans and leases to deposits | 51.9770% | 7,403 |
| Net loans and leases to core deposits | 61.7459% | 7,399 |
| Total domestic deposits to total assets | 83.8876% | 3,757 |
| Equity capital to assets | 7.6043% | 7,256 |
| Core capital (leverage) ratio | 7.2662% | 7,410 |
| Tier 1 risk-based capital ratio | 10.5627% | 6,327 |
| Total risk-based capital ratio | 11.4823% | 6,591 |
| Memoranda: | ||
| Average total assets | $456,341,000 | 1,562 |
| Average earning assets | $412,594,000 | 1,576 |
| Average equity | $32,970,500 | 2,053 |
| Average total loans | $205,006,000 | 2,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3556% | 3,663 |
| Cost of funding earning assets | 2.7766% | 2,799 |
| Net interest margin | 3.5790% | 4,979 |
| Noninterest income to average assets | 0.9336% | 1,841 |
| Noninterest expense to average assets | 3.2399% | 3,184 |
| Loan and lease loss provision to assets | 0.8076% | 1,839 |
| Net operating income to assets | 0.2631% | 5,670 |
| Return on assets (ROA) | 0.2471% | 5,530 |
| Pretax return on assets | 0.0959% | 5,953 |
| Return on Equity (ROE) | 3.3658% | 5,093 |
| Retained earnings to average equity (ytd only) | -1.9285% | 5,851 |
| Net charge-offs to loans | 1.3502% | 870 |
| Credit loss provision to net charge-offs | 119.5387% | 4,502 |
| Earnings coverage of net charge-offs (x) | 1.3611% | 5,447 |
| Efficiency ratio | 77.8925% | 2,935 |
| Assets per employee ($millions) | 2.4288% | 7,350 |
| Cash dividends to net income (ytd only)* | 157.2973% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 3,734 |
| Loan loss allowance to noncurrent loans | 61.5942% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 3,989 |
| Noncurrent loans to loans | 2.1209% | 2,600 |
| Net loans and leases to total assets | 45.0026% | 7,408 |
| Net loans and leases to deposits | 55.1631% | 7,376 |
| Net loans and leases to core deposits | 63.4673% | 7,463 |
| Total domestic deposits to total assets | 81.5809% | 4,375 |
| Equity capital to assets | 6.8461% | 7,806 |
| Core capital (leverage) ratio | 6.8554% | 7,794 |
| Tier 1 risk-based capital ratio | 10.1223% | 6,609 |
| Total risk-based capital ratio | 11.0025% | 6,912 |
| Memoranda: | ||
| Average total assets | $449,237,800 | 1,527 |
| Average earning assets | $404,916,200 | 1,543 |
| Average equity | $32,978,800 | 2,050 |
| Average total loans | $224,780,800 | 2,085 |