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Bank of Parsons, Performance and Condition Ratios

2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7625%4,239
Cost of funding earning assets0.9490%4,324
Net interest margin3.8135%3,714
Noninterest income to average assets0.8939%1,667
Noninterest expense to average assets4.3097%741
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.0479%6,124
Return on assets (ROA)0.0479%6,206
Pretax return on assets0.0479%6,190
Return on Equity (ROE)0.7004%6,146
Retained earnings to average equity (ytd only)-0.4669%5,952
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.9011%757
Assets per employee ($millions)1.2423%7,433
Cash dividends to net income (ytd only)*166.6667%135
Condition Ratios (%)
Loss allowance to loans0.9655%6,466
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets66.0549%3,013
Net loans and leases to deposits71.0661%4,278
Net loans and leases to core deposits71.0661%4,945
Total domestic deposits to total assets92.9486%133
Equity capital to assets6.8985%7,126
Core capital (leverage) ratio6.6896%7,080
Tier 1 risk-based capital ratio13.0659%4,864
Total risk-based capital ratio14.3147%4,847
Memoranda:
Average total assets$12,530,0007,465
Average earning assets$11,380,6707,449
Average equity$856,6707,493
Average total loans$8,120,0007,319
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6831%4,597
Cost of funding earning assets0.9859%4,299
Net interest margin3.6972%4,125
Noninterest income to average assets0.8583%1,823
Noninterest expense to average assets4.1960%822
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.0000%6,348
Return on assets (ROA)0.0000%6,378
Pretax return on assets0.0000%6,352
Return on Equity (ROE)0.0000%6,381
Retained earnings to average equity (ytd only)-2.3351%6,201
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.0000%743
Assets per employee ($millions)1.6089%7,457
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans1.0128%6,343
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets60.7490%4,125
Net loans and leases to deposits65.2290%5,089
Net loans and leases to core deposits65.2290%5,599
Total domestic deposits to total assets93.1318%127
Equity capital to assets6.6351%7,177
Core capital (leverage) ratio6.6977%7,116
Tier 1 risk-based capital ratio13.2845%4,589
Total risk-based capital ratio14.5428%4,565
Memoranda:
Average total assets$12,583,5007,522
Average earning assets$11,360,0007,507
Average equity$856,5007,549
Average total loans$8,037,0007,383
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1045%4,080
Cost of funding earning assets1.3116%3,806
Net interest margin3.7929%3,983
Noninterest income to average assets1.2051%1,029
Noninterest expense to average assets4.2775%834
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.3432%4,775
Return on assets (ROA)0.3432%4,934
Pretax return on assets0.3432%5,104
Return on Equity (ROE)5.4624%3,857
Retained earnings to average equity (ytd only)2.4136%4,182
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.5734%1,144
Assets per employee ($millions)1.5370%7,544
Cash dividends to net income (ytd only)*55.8140%1,818
Condition Ratios (%)
Loss allowance to loans0.9786%6,464
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets65.8344%3,501
Net loans and leases to deposits70.9652%4,690
Net loans and leases to core deposits70.9652%5,335
Total domestic deposits to total assets92.7700%158
Equity capital to assets6.9860%7,117
Core capital (leverage) ratio6.5587%7,183
Tier 1 risk-based capital ratio13.1678%4,472
Total risk-based capital ratio14.4249%4,424
Memoranda:
Average total assets$12,530,6007,604
Average earning assets$11,284,2007,591
Average equity$787,2007,651
Average total loans$8,137,0007,461
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0834%4,410
Cost of funding earning assets1.3532%3,874
Net interest margin3.7302%4,265
Noninterest income to average assets1.2392%893
Noninterest expense to average assets4.2469%780
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.3495%4,975
Return on assets (ROA)0.3495%5,145
Pretax return on assets0.3495%5,370
Return on Equity (ROE)5.7199%3,942
Retained earnings to average equity (ytd only)1.5600%5,173
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.3963%1,093
Assets per employee ($millions)1.6044%7,641
Cash dividends to net income (ytd only)*72.7273%831
Condition Ratios (%)
Loss allowance to loans0.9830%6,470
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets62.7815%4,370
Net loans and leases to deposits67.5723%5,481
Net loans and leases to core deposits67.5723%5,989
Total domestic deposits to total assets92.9100%102
Equity capital to assets6.6147%7,410
Core capital (leverage) ratio6.5351%7,326
Tier 1 risk-based capital ratio13.0868%4,510
Total risk-based capital ratio14.3354%4,487
Memoranda:
Average total assets$12,589,2507,704
Average earning assets$11,330,7507,693
Average equity$769,2507,753
Average total loans$8,127,5007,564
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1460%4,212
Cost of funding earning assets1.3711%4,052
Net interest margin3.7749%4,021
Noninterest income to average assets1.2313%855
Noninterest expense to average assets4.2535%760
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.3678%4,903
Return on assets (ROA)0.3678%5,065
Pretax return on assets0.3678%5,316
Return on Equity (ROE)6.1939%3,701
Retained earnings to average equity (ytd only)1.3465%5,210
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.0415%1,184
Assets per employee ($millions)1.7900%7,657
Cash dividends to net income (ytd only)*78.2609%799
Condition Ratios (%)
Loss allowance to loans0.9756%6,501
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets64.8045%4,085
Net loans and leases to deposits69.1358%5,400
Net loans and leases to core deposits69.1358%5,958
Total domestic deposits to total assets93.7350%83
Equity capital to assets5.9457%7,549
Core capital (leverage) ratio5.6710%7,530
Tier 1 risk-based capital ratio11.4363%5,840
Total risk-based capital ratio12.6859%5,804
Memoranda:
Average total assets$12,507,3307,772
Average earning assets$11,232,0007,758
Average equity$742,6707,821
Average total loans$8,124,0007,625
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1613%4,236
Cost of funding earning assets1.3978%4,194
Net interest margin3.7634%3,944
Noninterest income to average assets1.1844%869
Noninterest expense to average assets4.1933%817
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.3521%5,070
Return on assets (ROA)0.3521%5,189
Pretax return on assets0.3521%5,448
Return on Equity (ROE)5.9339%3,905
Retained earnings to average equity (ytd only)1.6183%5,129
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2535%1,261
Assets per employee ($millions)1.8024%7,756
Cash dividends to net income (ytd only)*72.7273%981
Condition Ratios (%)
Loss allowance to loans0.9868%6,531
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets63.6205%4,403
Net loans and leases to deposits67.8414%5,611
Net loans and leases to core deposits67.8414%6,119
Total domestic deposits to total assets93.7782%79
Equity capital to assets5.8889%7,633
Core capital (leverage) ratio5.7796%7,613
Tier 1 risk-based capital ratio11.9529%5,247
Total risk-based capital ratio13.1963%5,214
Memoranda:
Average total assets$12,496,0007,874
Average earning assets$11,160,0007,862
Average equity$741,5007,913
Average total loans$8,086,0007,725
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8359%2,502
Cost of funding earning assets1.7394%4,313
Net interest margin4.0966%2,461
Noninterest income to average assets1.4611%674
Noninterest expense to average assets4.4510%836
Loan and lease loss provision to assets0.0760%6,832
Net operating income to assets0.5743%3,430
Return on assets (ROA)0.5743%3,501
Pretax return on assets0.5743%3,973
Return on Equity (ROE)9.4681%1,862
Retained earnings to average equity (ytd only)5.4302%1,610
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.2517%1,959
Assets per employee ($millions)2.0625%7,693
Cash dividends to net income (ytd only)*42.6471%2,797
Condition Ratios (%)
Loss allowance to loans0.9919%6,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets64.5253%4,491
Net loans and leases to deposits68.8184%5,746
Net loans and leases to core deposits85.0916%5,608
Total domestic deposits to total assets93.7616%85
Equity capital to assets5.9798%7,668
Core capital (leverage) ratio5.9246%7,648
Tier 1 risk-based capital ratio12.4006%4,594
Total risk-based capital ratio13.6977%4,516
Memoranda:
Average total assets$11,840,0007,950
Average earning assets$10,521,0007,935
Average equity$718,2008,002
Average total loans$8,431,4007,768
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9607%2,191
Cost of funding earning assets1.8114%4,336
Net interest margin4.1494%2,215
Noninterest income to average assets1.4807%677
Noninterest expense to average assets4.4420%791
Loan and lease loss provision to assets0.1025%6,348
Net operating income to assets0.6151%3,557
Return on assets (ROA)0.6151%3,606
Pretax return on assets0.6151%4,145
Return on Equity (ROE)10.1017%1,878
Retained earnings to average equity (ytd only)4.6763%2,668
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.0927%2,055
Assets per employee ($millions)1.2931%8,011
Cash dividends to net income (ytd only)*53.7083%1,853
Condition Ratios (%)
Loss allowance to loans0.9573%6,502
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets71.1205%3,242
Net loans and leases to deposits76.1033%5,023
Net loans and leases to core deposits97.4682%4,666
Total domestic deposits to total assets93.4525%66
Equity capital to assets6.2382%7,817
Core capital (leverage) ratio6.0062%7,797
Tier 1 risk-based capital ratio11.3574%5,585
Total risk-based capital ratio12.6031%5,520
Memoranda:
Average total assets$11,706,2508,035
Average earning assets$10,378,7508,018
Average equity$712,7508,086
Average total loans$8,523,0007,839
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0277%2,066
Cost of funding earning assets1.8606%4,464
Net interest margin4.1671%2,107
Noninterest income to average assets1.4665%688
Noninterest expense to average assets4.4505%811
Loan and lease loss provision to assets0.1023%6,150
Net operating income to assets0.5798%3,771
Return on assets (ROA)0.5798%3,877
Pretax return on assets0.5798%4,373
Return on Equity (ROE)9.6000%2,166
Retained earnings to average equity (ytd only)3.6706%3,255
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.7110%2,157
Assets per employee ($millions)1.3398%8,097
Cash dividends to net income (ytd only)*61.7647%1,613
Condition Ratios (%)
Loss allowance to loans0.9120%6,721
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets69.3813%3,852
Net loans and leases to deposits73.9634%5,459
Net loans and leases to core deposits93.6947%5,153
Total domestic deposits to total assets93.8049%61
Equity capital to assets5.9131%7,943
Core capital (leverage) ratio5.7967%7,955
Tier 1 risk-based capital ratio11.0843%5,792
Total risk-based capital ratio12.3230%5,725
Memoranda:
Average total assets$11,729,0008,123
Average earning assets$10,319,0008,106
Average equity$708,3308,179
Average total loans$8,578,3307,926
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1865%1,644
Cost of funding earning assets2.0225%4,024
Net interest margin4.1640%2,036
Noninterest income to average assets1.5219%606
Noninterest expense to average assets4.4619%739
Loan and lease loss provision to assets0.1038%5,644
Net operating income to assets0.5880%4,067
Return on assets (ROA)0.5880%4,260
Pretax return on assets0.5880%4,789
Return on Equity (ROE)9.6317%2,480
Retained earnings to average equity (ytd only)5.6657%2,794
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.5772%2,009
Assets per employee ($millions)1.2974%8,145
Cash dividends to net income (ytd only)*41.1765%2,038
Condition Ratios (%)
Loss allowance to loans0.8681%6,881
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets72.3645%3,157
Net loans and leases to deposits77.3455%5,035
Net loans and leases to core deposits97.7331%4,769
Total domestic deposits to total assets93.5600%58
Equity capital to assets6.0889%7,981
Core capital (leverage) ratio5.9682%8,011
Tier 1 risk-based capital ratio10.9867%5,920
Total risk-based capital ratio12.1702%5,884
Memoranda:
Average total assets$11,564,5008,172
Average earning assets$10,086,5008,158
Average equity$706,0008,231
Average total loans$8,646,0007,970
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6404%2,289
Cost of funding earning assets2.6011%3,678
Net interest margin4.0393%2,943
Noninterest income to average assets1.4852%636
Noninterest expense to average assets4.3070%1,040
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.6377%4,157
Return on assets (ROA)0.6377%4,005
Pretax return on assets0.6377%4,579
Return on Equity (ROE)10.9412%1,922
Retained earnings to average equity (ytd only)8.8429%635
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.1025%1,755
Assets per employee ($millions)1.4315%8,175
Cash dividends to net income (ytd only)*19.1781%4,473
Condition Ratios (%)
Loss allowance to loans0.8098%7,063
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets75.9431%2,638
Net loans and leases to deposits82.3580%4,670
Net loans and leases to core deposits104.9475%4,303
Total domestic deposits to total assets92.2110%106
Equity capital to assets6.1212%8,039
Core capital (leverage) ratio5.9977%8,079
Tier 1 risk-based capital ratio10.5116%6,200
Total risk-based capital ratio11.6156%6,223
Memoranda:
Average total assets$11,446,6008,223
Average earning assets$9,803,6008,222
Average equity$667,2008,296
Average total loans$8,426,0008,014