Home > Atwater State Bank > Performance and Condition Ratios
Atwater State 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 | 4.5240% | 3,302 |
| Cost of funding earning assets | 0.8270% | 2,444 |
| Net interest margin | 3.6970% | 3,659 |
| Noninterest income to average assets | 0.2439% | 5,706 |
| Noninterest expense to average assets | 3.0398% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6604% | 3,930 |
| Return on assets (ROA) | 0.6673% | 4,168 |
| Pretax return on assets | 0.6673% | 4,766 |
| Return on Equity (ROE) | 7.4271% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.9941% | 2,707 |
| Net charge-offs to loans | 0.1989% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.7833% | 3,257 |
| Efficiency ratio | 82.1517% | 1,843 |
| Assets per employee ($millions) | 3.4717% | 5,068 |
| Cash dividends to net income (ytd only)* | 32.7586% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,038 |
| Loan loss allowance to noncurrent loans | 82.2650% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 3,957 |
| Noncurrent loans to loans | 1.4785% | 3,380 |
| Net loans and leases to total assets | 69.2812% | 1,978 |
| Net loans and leases to deposits | 78.4564% | 2,472 |
| Net loans and leases to core deposits | 85.9861% | 2,314 |
| Total domestic deposits to total assets | 88.3054% | 2,028 |
| Equity capital to assets | 8.7942% | 5,751 |
| Core capital (leverage) ratio | 8.6343% | 5,420 |
| Tier 1 risk-based capital ratio | 13.6175% | 4,659 |
| Total risk-based capital ratio | 14.8671% | 4,605 |
| Memoranda: | ||
| Average total assets | $43,457,000 | 6,384 |
| Average earning assets | $40,627,400 | 6,339 |
| Average equity | $3,904,600 | 6,588 |
| Average total loans | $30,170,600 | 5,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 3,129 |
| Cost of funding earning assets | 0.8464% | 2,575 |
| Net interest margin | 3.7740% | 3,447 |
| Noninterest income to average assets | 0.2292% | 5,906 |
| Noninterest expense to average assets | 2.9864% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7652% | 3,626 |
| Return on assets (ROA) | 0.7745% | 3,828 |
| Pretax return on assets | 0.7745% | 4,578 |
| Return on Equity (ROE) | 8.5722% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.8577% | 2,203 |
| Net charge-offs to loans | 0.0224% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 49.3748% | 764 |
| Efficiency ratio | 79.6036% | 2,154 |
| Assets per employee ($millions) | 3.3686% | 5,286 |
| Cash dividends to net income (ytd only)* | 20.0012% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,258 |
| Loan loss allowance to noncurrent loans | 186.4407% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 5,331 |
| Noncurrent loans to loans | 0.7650% | 4,882 |
| Net loans and leases to total assets | 69.4442% | 2,030 |
| Net loans and leases to deposits | 78.0370% | 2,654 |
| Net loans and leases to core deposits | 86.5843% | 2,393 |
| Total domestic deposits to total assets | 88.9889% | 1,433 |
| Equity capital to assets | 9.1090% | 5,697 |
| Core capital (leverage) ratio | 9.0571% | 4,977 |
| Tier 1 risk-based capital ratio | 14.1440% | 4,422 |
| Total risk-based capital ratio | 15.3973% | 4,380 |
| Memoranda: | ||
| Average total assets | $43,038,250 | 6,467 |
| Average earning assets | $40,168,000 | 6,425 |
| Average equity | $3,888,500 | 6,673 |
| Average total loans | $29,800,000 | 6,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 3,158 |
| Cost of funding earning assets | 0.8706% | 2,656 |
| Net interest margin | 3.7742% | 3,482 |
| Noninterest income to average assets | 0.2431% | 5,834 |
| Noninterest expense to average assets | 3.0243% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7245% | 3,729 |
| Return on assets (ROA) | 0.7292% | 3,981 |
| Pretax return on assets | 0.7292% | 4,737 |
| Return on Equity (ROE) | 8.0934% | 3,217 |
| Retained earnings to average equity (ytd only) | 8.0934% | 1,604 |
| Net charge-offs to loans | 0.0407% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,185 |
| Efficiency ratio | 80.6733% | 2,077 |
| Assets per employee ($millions) | 3.3018% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,185 |
| Loan loss allowance to noncurrent loans | 152.4306% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 5,097 |
| Noncurrent loans to loans | 0.9605% | 4,588 |
| Net loans and leases to total assets | 68.8326% | 2,131 |
| Net loans and leases to deposits | 77.4524% | 2,759 |
| Net loans and leases to core deposits | 78.8350% | 3,391 |
| Total domestic deposits to total assets | 88.8708% | 1,589 |
| Equity capital to assets | 9.1816% | 5,481 |
| Core capital (leverage) ratio | 9.0761% | 4,797 |
| Tier 1 risk-based capital ratio | 14.2513% | 4,268 |
| Total risk-based capital ratio | 15.5064% | 4,226 |
| Memoranda: | ||
| Average total assets | $42,787,000 | 6,518 |
| Average earning assets | $39,743,330 | 6,484 |
| Average equity | $3,855,000 | 6,724 |
| Average total loans | $29,449,670 | 6,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 3,356 |
| Cost of funding earning assets | 0.8776% | 2,851 |
| Net interest margin | 3.7525% | 3,587 |
| Noninterest income to average assets | 0.2341% | 5,952 |
| Noninterest expense to average assets | 3.0244% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6929% | 3,920 |
| Return on assets (ROA) | 0.6929% | 4,140 |
| Pretax return on assets | 0.6929% | 4,818 |
| Return on Equity (ROE) | 7.7650% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.7650% | 2,065 |
| Net charge-offs to loans | -0.0274% | 6,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3602% | 2,028 |
| Assets per employee ($millions) | 3.3182% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,930 |
| Loan loss allowance to noncurrent loans | 148.0132% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 5,147 |
| Noncurrent loans to loans | 1.0492% | 4,597 |
| Net loans and leases to total assets | 65.6899% | 2,524 |
| Net loans and leases to deposits | 73.7226% | 3,156 |
| Net loans and leases to core deposits | 81.0457% | 2,945 |
| Total domestic deposits to total assets | 89.1042% | 1,637 |
| Equity capital to assets | 8.9206% | 5,610 |
| Core capital (leverage) ratio | 8.9192% | 4,968 |
| Tier 1 risk-based capital ratio | 14.3792% | 4,192 |
| Total risk-based capital ratio | 15.6313% | 4,160 |
| Memoranda: | ||
| Average total assets | $42,719,000 | 6,577 |
| Average earning assets | $39,653,500 | 6,539 |
| Average equity | $3,812,000 | 6,774 |
| Average total loans | $29,182,500 | 6,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 2,631 |
| Cost of funding earning assets | 1.0689% | 2,891 |
| Net interest margin | 3.9864% | 2,953 |
| Noninterest income to average assets | 0.1752% | 6,240 |
| Noninterest expense to average assets | 3.1388% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7567% | 3,231 |
| Return on assets (ROA) | 0.7664% | 3,352 |
| Pretax return on assets | 0.7664% | 4,092 |
| Return on Equity (ROE) | 8.7180% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7180% | 876 |
| Net charge-offs to loans | 0.3790% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8273% | 3,799 |
| Efficiency ratio | 80.5746% | 2,226 |
| Assets per employee ($millions) | 3.2540% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,999 |
| Loan loss allowance to noncurrent loans | 240.5405% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 5,871 |
| Noncurrent loans to loans | 0.6254% | 5,464 |
| Net loans and leases to total assets | 68.8785% | 2,234 |
| Net loans and leases to deposits | 77.3645% | 2,945 |
| Net loans and leases to core deposits | 78.7593% | 3,595 |
| Total domestic deposits to total assets | 89.0313% | 1,519 |
| Equity capital to assets | 8.9263% | 5,642 |
| Core capital (leverage) ratio | 8.9507% | 4,861 |
| Tier 1 risk-based capital ratio | 13.4500% | 4,734 |
| Total risk-based capital ratio | 14.7054% | 4,695 |
| Memoranda: | ||
| Average total assets | $41,098,600 | 6,635 |
| Average earning assets | $38,355,600 | 6,592 |
| Average equity | $3,613,200 | 6,849 |
| Average total loans | $29,022,000 | 6,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 2,495 |
| Cost of funding earning assets | 1.1161% | 2,872 |
| Net interest margin | 4.0081% | 2,887 |
| Noninterest income to average assets | 0.2157% | 6,062 |
| Noninterest expense to average assets | 3.0753% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8726% | 2,851 |
| Return on assets (ROA) | 0.8758% | 2,984 |
| Pretax return on assets | 0.8758% | 3,860 |
| Return on Equity (ROE) | 10.0020% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.0020% | 843 |
| Net charge-offs to loans | 0.5170% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.3839% | 3,932 |
| Efficiency ratio | 77.8974% | 2,561 |
| Assets per employee ($millions) | 3.4639% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 4,046 |
| Loan loss allowance to noncurrent loans | 240.7609% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 5,225 |
| Noncurrent loans to loans | 0.6273% | 5,634 |
| Net loans and leases to total assets | 69.5022% | 2,178 |
| Net loans and leases to deposits | 78.1191% | 2,959 |
| Net loans and leases to core deposits | 87.1178% | 2,616 |
| Total domestic deposits to total assets | 88.9696% | 1,444 |
| Equity capital to assets | 8.9783% | 5,777 |
| Core capital (leverage) ratio | 8.8221% | 5,227 |
| Tier 1 risk-based capital ratio | 13.3847% | 4,820 |
| Total risk-based capital ratio | 14.6172% | 4,795 |
| Memoranda: | ||
| Average total assets | $40,797,750 | 6,701 |
| Average earning assets | $37,988,750 | 6,659 |
| Average equity | $3,572,500 | 6,917 |
| Average total loans | $28,882,000 | 6,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 2,639 |
| Cost of funding earning assets | 1.1828% | 2,691 |
| Net interest margin | 3.9251% | 3,189 |
| Noninterest income to average assets | 0.1776% | 6,383 |
| Noninterest expense to average assets | 3.0882% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7400% | 3,335 |
| Return on assets (ROA) | 0.7449% | 3,437 |
| Pretax return on assets | 0.7449% | 4,232 |
| Return on Equity (ROE) | 8.5812% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.5812% | 1,239 |
| Net charge-offs to loans | 0.7587% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.3761% | 4,248 |
| Efficiency ratio | 80.6701% | 2,291 |
| Assets per employee ($millions) | 3.5435% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,910 |
| Loan loss allowance to noncurrent loans | 223.0000% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 5,046 |
| Noncurrent loans to loans | 0.6941% | 5,519 |
| Net loans and leases to total assets | 66.7161% | 2,882 |
| Net loans and leases to deposits | 74.5474% | 3,712 |
| Net loans and leases to core deposits | 75.8712% | 4,332 |
| Total domestic deposits to total assets | 89.4948% | 1,244 |
| Equity capital to assets | 8.4850% | 6,203 |
| Core capital (leverage) ratio | 8.6043% | 5,399 |
| Tier 1 risk-based capital ratio | 13.1984% | 4,771 |
| Total risk-based capital ratio | 14.4424% | 4,750 |
| Memoranda: | ||
| Average total assets | $40,541,330 | 6,766 |
| Average earning assets | $37,705,670 | 6,729 |
| Average equity | $3,519,330 | 6,977 |
| Average total loans | $28,731,670 | 6,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 1,942 |
| Cost of funding earning assets | 1.2814% | 2,296 |
| Net interest margin | 3.9964% | 2,696 |
| Noninterest income to average assets | 0.1214% | 6,811 |
| Noninterest expense to average assets | 3.0947% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7484% | 3,282 |
| Return on assets (ROA) | 0.7585% | 3,292 |
| Pretax return on assets | 0.7585% | 4,063 |
| Return on Equity (ROE) | 8.6331% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.6331% | 1,510 |
| Net charge-offs to loans | 1.4221% | 961 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7255% | 4,091 |
| Efficiency ratio | 80.5263% | 2,434 |
| Assets per employee ($millions) | 3.3192% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,770 |
| Loan loss allowance to noncurrent loans | 274.5455% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 4,458 |
| Noncurrent loans to loans | 0.5793% | 5,867 |
| Net loans and leases to total assets | 70.3716% | 2,059 |
| Net loans and leases to deposits | 79.0841% | 2,877 |
| Net loans and leases to core deposits | 80.1882% | 3,723 |
| Total domestic deposits to total assets | 88.9832% | 1,784 |
| Equity capital to assets | 8.8300% | 5,447 |
| Core capital (leverage) ratio | 8.8460% | 4,862 |
| Tier 1 risk-based capital ratio | 13.1323% | 4,722 |
| Total risk-based capital ratio | 14.3969% | 4,693 |
| Memoranda: | ||
| Average total assets | $39,551,000 | 6,848 |
| Average earning assets | $36,833,500 | 6,812 |
| Average equity | $3,475,000 | 7,023 |
| Average total loans | $28,690,000 | 6,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 2,432 |
| Cost of funding earning assets | 1.5334% | 2,456 |
| Net interest margin | 3.9266% | 3,365 |
| Noninterest income to average assets | 0.3242% | 5,468 |
| Noninterest expense to average assets | 3.1977% | 3,104 |
| Loan and lease loss provision to assets | 0.1815% | 5,406 |
| Net operating income to assets | 0.5550% | 3,870 |
| Return on assets (ROA) | 0.5550% | 4,023 |
| Pretax return on assets | 0.5576% | 4,455 |
| Return on Equity (ROE) | 6.8744% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.8744% | 1,378 |
| Net charge-offs to loans | 0.2783% | 4,632 |
| Credit loss provision to net charge-offs | 87.5000% | 5,226 |
| Earnings coverage of net charge-offs (x) | 3.5625% | 3,303 |
| Efficiency ratio | 81.2253% | 2,258 |
| Assets per employee ($millions) | 3.2727% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 2,500 |
| Loan loss allowance to noncurrent loans | 100.7260% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2917% | 2,975 |
| Noncurrent loans to loans | 1.9067% | 3,681 |
| Net loans and leases to total assets | 72.1710% | 2,066 |
| Net loans and leases to deposits | 83.4673% | 2,538 |
| Net loans and leases to core deposits | 84.2438% | 3,563 |
| Total domestic deposits to total assets | 86.4662% | 3,099 |
| Equity capital to assets | 8.7416% | 5,523 |
| Core capital (leverage) ratio | 8.6530% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4932% | 5,027 |
| Total risk-based capital ratio | 13.7516% | 5,006 |
| Memoranda: | ||
| Average total assets | $38,558,800 | 6,920 |
| Average earning assets | $35,476,000 | 6,895 |
| Average equity | $3,113,000 | 7,244 |
| Average total loans | $28,742,000 | 6,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 2,512 |
| Cost of funding earning assets | 1.5862% | 2,467 |
| Net interest margin | 3.8954% | 3,548 |
| Noninterest income to average assets | 0.2640% | 6,008 |
| Noninterest expense to average assets | 3.1196% | 3,243 |
| Loan and lease loss provision to assets | 0.2432% | 4,654 |
| Net operating income to assets | 0.4759% | 4,416 |
| Return on assets (ROA) | 0.4759% | 4,612 |
| Pretax return on assets | 0.4759% | 5,001 |
| Return on Equity (ROE) | 6.0224% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.0224% | 2,341 |
| Net charge-offs to loans | 0.3763% | 3,798 |
| Credit loss provision to net charge-offs | 86.4198% | 4,908 |
| Earnings coverage of net charge-offs (x) | 2.5555% | 3,882 |
| Efficiency ratio | 81.2670% | 2,158 |
| Assets per employee ($millions) | 3.5435% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,506 |
| Loan loss allowance to noncurrent loans | 62.8831% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 2,832 |
| Noncurrent loans to loans | 3.0100% | 2,649 |
| Net loans and leases to total assets | 73.6698% | 1,872 |
| Net loans and leases to deposits | 83.9252% | 2,717 |
| Net loans and leases to core deposits | 85.3394% | 3,754 |
| Total domestic deposits to total assets | 87.7803% | 2,108 |
| Equity capital to assets | 8.6536% | 6,093 |
| Core capital (leverage) ratio | 8.6359% | 5,288 |
| Tier 1 risk-based capital ratio | 12.6464% | 4,855 |
| Total risk-based capital ratio | 13.9080% | 4,833 |
| Memoranda: | ||
| Average total assets | $38,380,500 | 7,004 |
| Average earning assets | $35,220,250 | 6,985 |
| Average equity | $3,033,000 | 7,363 |
| Average total loans | $28,703,000 | 6,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 2,853 |
| Cost of funding earning assets | 1.6217% | 2,539 |
| Net interest margin | 3.8067% | 3,871 |
| Noninterest income to average assets | 0.2724% | 5,974 |
| Noninterest expense to average assets | 3.0643% | 3,455 |
| Loan and lease loss provision to assets | 0.1205% | 5,698 |
| Net operating income to assets | 0.5919% | 3,913 |
| Return on assets (ROA) | 0.5919% | 4,052 |
| Pretax return on assets | 0.5919% | 4,588 |
| Return on Equity (ROE) | 7.7406% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.7406% | 1,533 |
| Net charge-offs to loans | 0.6242% | 2,665 |
| Credit loss provision to net charge-offs | 25.8427% | 5,794 |
| Earnings coverage of net charge-offs (x) | 1.5281% | 4,344 |
| Efficiency ratio | 81.1373% | 2,281 |
| Assets per employee ($millions) | 3.2359% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,126 |
| Loan loss allowance to noncurrent loans | 56.6402% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.4645% | 2,917 |
| Noncurrent loans to loans | 2.9791% | 2,693 |
| Net loans and leases to total assets | 74.8732% | 1,722 |
| Net loans and leases to deposits | 85.2885% | 2,643 |
| Net loans and leases to core deposits | 95.3090% | 2,535 |
| Total domestic deposits to total assets | 87.7881% | 2,114 |
| Equity capital to assets | 8.6065% | 6,001 |
| Core capital (leverage) ratio | 8.5926% | 5,249 |
| Tier 1 risk-based capital ratio | 12.3221% | 5,020 |
| Total risk-based capital ratio | 13.5787% | 4,992 |
| Memoranda: | ||
| Average total assets | $38,181,330 | 7,067 |
| Average earning assets | $35,149,000 | 7,036 |
| Average equity | $2,919,670 | 7,441 |
| Average total loans | $28,514,330 | 6,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 3,298 |
| Cost of funding earning assets | 1.6613% | 2,590 |
| Net interest margin | 3.6892% | 4,305 |
| Noninterest income to average assets | 0.2959% | 5,780 |
| Noninterest expense to average assets | 2.8423% | 4,312 |
| Loan and lease loss provision to assets | 0.2325% | 4,179 |
| Net operating income to assets | 0.6234% | 3,785 |
| Return on assets (ROA) | 0.6234% | 3,921 |
| Pretax return on assets | 0.6234% | 4,511 |
| Return on Equity (ROE) | 8.7133% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.7133% | 1,479 |
| Net charge-offs to loans | 0.3145% | 3,159 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 3.6818% | 2,826 |
| Efficiency ratio | 76.8571% | 3,082 |
| Assets per employee ($millions) | 3.4785% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 2,101 |
| Loan loss allowance to noncurrent loans | 77.2914% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 2.1091% | 3,370 |
| Noncurrent loans to loans | 2.6284% | 3,039 |
| Net loans and leases to total assets | 71.2098% | 2,645 |
| Net loans and leases to deposits | 79.9877% | 3,657 |
| Net loans and leases to core deposits | 81.3270% | 4,579 |
| Total domestic deposits to total assets | 89.0260% | 1,503 |
| Equity capital to assets | 7.2838% | 7,222 |
| Core capital (leverage) ratio | 7.1524% | 7,145 |
| Tier 1 risk-based capital ratio | 10.8673% | 6,275 |
| Total risk-based capital ratio | 12.1308% | 6,247 |
| Memoranda: | ||
| Average total assets | $37,856,500 | 7,169 |
| Average earning assets | $34,912,500 | 7,131 |
| Average equity | $2,708,500 | 7,579 |
| Average total loans | $27,985,000 | 6,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8096% | 2,619 |
| Cost of funding earning assets | 1.8975% | 3,476 |
| Net interest margin | 3.9121% | 3,218 |
| Noninterest income to average assets | 0.2829% | 6,080 |
| Noninterest expense to average assets | 3.1867% | 3,421 |
| Loan and lease loss provision to assets | 0.5048% | 3,854 |
| Net operating income to assets | 0.2052% | 4,887 |
| Return on assets (ROA) | 0.1969% | 4,977 |
| Pretax return on assets | 0.1969% | 5,011 |
| Return on Equity (ROE) | 2.8041% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.8041% | 3,205 |
| Net charge-offs to loans | 0.1127% | 6,034 |
| Credit loss provision to net charge-offs | 587.0968% | 508 |
| Earnings coverage of net charge-offs (x) | 8.2581% | 1,968 |
| Efficiency ratio | 81.7794% | 2,633 |
| Assets per employee ($millions) | 3.1208% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 2,007 |
| Loan loss allowance to noncurrent loans | 74.4401% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 3,091 |
| Noncurrent loans to loans | 2.6955% | 2,857 |
| Net loans and leases to total assets | 73.6796% | 2,339 |
| Net loans and leases to deposits | 83.6836% | 3,334 |
| Net loans and leases to core deposits | 96.3678% | 4,416 |
| Total domestic deposits to total assets | 88.0454% | 1,955 |
| Equity capital to assets | 7.0227% | 7,356 |
| Core capital (leverage) ratio | 6.9101% | 7,307 |
| Tier 1 risk-based capital ratio | 9.6081% | 7,153 |
| Total risk-based capital ratio | 10.8692% | 7,123 |
| Memoranda: | ||
| Average total assets | $36,056,000 | 7,244 |
| Average earning assets | $33,307,200 | 7,217 |
| Average equity | $2,532,000 | 7,723 |
| Average total loans | $27,508,000 | 6,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7618% | 3,054 |
| Cost of funding earning assets | 1.9341% | 3,692 |
| Net interest margin | 3.8277% | 3,540 |
| Noninterest income to average assets | 0.2913% | 6,150 |
| Noninterest expense to average assets | 3.1253% | 3,557 |
| Loan and lease loss provision to assets | 0.3622% | 4,151 |
| Net operating income to assets | 0.3361% | 4,654 |
| Return on assets (ROA) | 0.3249% | 4,805 |
| Pretax return on assets | 0.3249% | 4,995 |
| Return on Equity (ROE) | 4.6261% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.6261% | 2,692 |
| Net charge-offs to loans | 0.0439% | 6,293 |
| Credit loss provision to net charge-offs | 1,077.7778% | 355 |
| Earnings coverage of net charge-offs (x) | 20.7775% | 1,223 |
| Efficiency ratio | 81.7383% | 2,617 |
| Assets per employee ($millions) | 3.4150% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 2,363 |
| Loan loss allowance to noncurrent loans | 46.8284% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.8537% | 2,436 |
| Noncurrent loans to loans | 3.7908% | 1,962 |
| Net loans and leases to total assets | 73.9438% | 2,539 |
| Net loans and leases to deposits | 84.1014% | 3,624 |
| Net loans and leases to core deposits | 97.4221% | 4,670 |
| Total domestic deposits to total assets | 87.9223% | 1,695 |
| Equity capital to assets | 6.7909% | 7,679 |
| Core capital (leverage) ratio | 6.8681% | 7,509 |
| Tier 1 risk-based capital ratio | 9.3727% | 7,448 |
| Total risk-based capital ratio | 10.6288% | 7,422 |
| Memoranda: | ||
| Average total assets | $35,707,500 | 7,316 |
| Average earning assets | $32,952,000 | 7,290 |
| Average equity | $2,507,500 | 7,806 |
| Average total loans | $27,345,500 | 6,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8083% | 3,006 |
| Cost of funding earning assets | 1.9525% | 3,990 |
| Net interest margin | 3.8558% | 3,314 |
| Noninterest income to average assets | 0.3249% | 5,916 |
| Noninterest expense to average assets | 3.2546% | 3,136 |
| Loan and lease loss provision to assets | 0.1767% | 5,281 |
| Net operating income to assets | 0.4731% | 4,208 |
| Return on assets (ROA) | 0.4560% | 4,381 |
| Pretax return on assets | 0.4560% | 4,765 |
| Return on Equity (ROE) | 6.4180% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.4180% | 1,836 |
| Net charge-offs to loans | 0.0740% | 5,469 |
| Credit loss provision to net charge-offs | 310.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,904 |
| Efficiency ratio | 83.3577% | 2,563 |
| Assets per employee ($millions) | 3.2827% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 2,870 |
| Loan loss allowance to noncurrent loans | 49.7143% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.4232% | 2,669 |
| Noncurrent loans to loans | 3.1593% | 2,257 |
| Net loans and leases to total assets | 75.4943% | 2,315 |
| Net loans and leases to deposits | 87.7321% | 3,211 |
| Net loans and leases to core deposits | 103.0584% | 4,174 |
| Total domestic deposits to total assets | 86.0510% | 2,764 |
| Equity capital to assets | 7.0313% | 7,598 |
| Core capital (leverage) ratio | 7.1708% | 7,386 |
| Tier 1 risk-based capital ratio | 9.6092% | 7,307 |
| Total risk-based capital ratio | 10.8625% | 7,258 |
| Memoranda: | ||
| Average total assets | $35,088,330 | 7,404 |
| Average earning assets | $32,574,330 | 7,372 |
| Average equity | $2,493,000 | 7,881 |
| Average total loans | $27,034,330 | 6,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7710% | 3,432 |
| Cost of funding earning assets | 1.9900% | 4,182 |
| Net interest margin | 3.7810% | 3,532 |
| Noninterest income to average assets | 0.3355% | 5,771 |
| Noninterest expense to average assets | 3.2507% | 2,795 |
| Loan and lease loss provision to assets | 0.2892% | 3,641 |
| Net operating income to assets | 0.3123% | 5,255 |
| Return on assets (ROA) | 0.2776% | 5,546 |
| Pretax return on assets | 0.2776% | 5,740 |
| Return on Equity (ROE) | 3.8866% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.8866% | 3,729 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3844% | 2,262 |
| Assets per employee ($millions) | 3.1739% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 2,371 |
| Loan loss allowance to noncurrent loans | 58.4554% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 2,670 |
| Noncurrent loans to loans | 2.8008% | 2,340 |
| Net loans and leases to total assets | 75.5449% | 2,379 |
| Net loans and leases to deposits | 88.3437% | 3,230 |
| Net loans and leases to core deposits | 102.4073% | 4,299 |
| Total domestic deposits to total assets | 85.5126% | 2,961 |
| Equity capital to assets | 7.0976% | 7,623 |
| Core capital (leverage) ratio | 7.1414% | 7,532 |
| Tier 1 risk-based capital ratio | 9.7357% | 7,213 |
| Total risk-based capital ratio | 10.9905% | 7,120 |
| Memoranda: | ||
| Average total assets | $34,577,500 | 7,467 |
| Average earning assets | $32,161,000 | 7,431 |
| Average equity | $2,470,000 | 7,940 |
| Average total loans | $26,703,500 | 6,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6266% | 2,364 |
| Cost of funding earning assets | 2.6097% | 3,637 |
| Net interest margin | 4.0170% | 3,042 |
| Noninterest income to average assets | 0.2299% | 6,788 |
| Noninterest expense to average assets | 3.3364% | 2,850 |
| Loan and lease loss provision to assets | 0.2112% | 4,783 |
| Net operating income to assets | 0.3976% | 5,156 |
| Return on assets (ROA) | 0.4536% | 4,765 |
| Pretax return on assets | 0.4536% | 5,112 |
| Return on Equity (ROE) | 6.2107% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.2107% | 1,426 |
| Net charge-offs to loans | -0.0199% | 7,926 |
| Credit loss provision to net charge-offs | -1,360.0000% | 7,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5669% | 2,004 |
| Assets per employee ($millions) | 3.1129% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,436 |
| Loan loss allowance to noncurrent loans | 96.7213% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2470% | 3,733 |
| Noncurrent loans to loans | 1.6057% | 3,360 |
| Net loans and leases to total assets | 76.4558% | 2,510 |
| Net loans and leases to deposits | 91.0862% | 3,277 |
| Net loans and leases to core deposits | 105.2674% | 4,270 |
| Total domestic deposits to total assets | 83.9379% | 3,356 |
| Equity capital to assets | 7.1900% | 7,631 |
| Core capital (leverage) ratio | 7.1111% | 7,605 |
| Tier 1 risk-based capital ratio | 9.6143% | 7,193 |
| Total risk-based capital ratio | 10.8700% | 7,071 |
| Memoranda: | ||
| Average total assets | $32,190,400 | 7,549 |
| Average earning assets | $29,773,800 | 7,523 |
| Average equity | $2,350,800 | 8,035 |
| Average total loans | $25,118,400 | 7,019 |