Home > Bluestem National Bank > Performance and Condition Ratios
Bluestem National 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 | 2.9418% | 6,803 |
| Cost of funding earning assets | 0.2351% | 6,733 |
| Net interest margin | 2.7067% | 6,511 |
| Noninterest income to average assets | 0.5386% | 3,653 |
| Noninterest expense to average assets | 2.6877% | 4,444 |
| Loan and lease loss provision to assets | 0.0818% | 4,675 |
| Net operating income to assets | 0.0552% | 6,079 |
| Return on assets (ROA) | 0.6081% | 4,465 |
| Pretax return on assets | 0.8768% | 4,004 |
| Return on Equity (ROE) | 4.5361% | 4,907 |
| Retained earnings to average equity (ytd only) | -51.5362% | 7,017 |
| Net charge-offs to loans | 0.3168% | 3,055 |
| Credit loss provision to net charge-offs | 74.7664% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.4393% | 4,728 |
| Efficiency ratio | 94.4684% | 777 |
| Assets per employee ($millions) | 4.4837% | 2,990 |
| Cash dividends to net income (ytd only)* | 1,236.1345% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 6,518 |
| Loan loss allowance to noncurrent loans | 26.7081% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 4,040 |
| Noncurrent loans to loans | 2.9306% | 1,786 |
| Net loans and leases to total assets | 30.3918% | 6,689 |
| Net loans and leases to deposits | 32.7403% | 6,768 |
| Net loans and leases to core deposits | 32.9170% | 6,789 |
| Total domestic deposits to total assets | 92.8267% | 151 |
| Equity capital to assets | 6.8880% | 6,792 |
| Core capital (leverage) ratio | 7.1992% | 6,634 |
| Tier 1 risk-based capital ratio | 14.6867% | 3,902 |
| Total risk-based capital ratio | 15.2235% | 4,366 |
| Memoranda: | ||
| Average total assets | $97,853,000 | 4,894 |
| Average earning assets | $83,385,200 | 5,028 |
| Average equity | $13,117,000 | 4,329 |
| Average total loans | $33,779,400 | 5,767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 6,881 |
| Cost of funding earning assets | 0.2473% | 6,817 |
| Net interest margin | 2.7951% | 6,506 |
| Noninterest income to average assets | 0.4458% | 4,323 |
| Noninterest expense to average assets | 2.3755% | 5,471 |
| Loan and lease loss provision to assets | 0.1118% | 4,167 |
| Net operating income to assets | 0.1853% | 5,952 |
| Return on assets (ROA) | 0.5198% | 5,026 |
| Pretax return on assets | 0.8664% | 4,235 |
| Return on Equity (ROE) | 3.4104% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.0727% | 5,739 |
| Net charge-offs to loans | 0.4041% | 2,479 |
| Credit loss provision to net charge-offs | 77.6699% | 3,687 |
| Earnings coverage of net charge-offs (x) | 3.1651% | 3,764 |
| Efficiency ratio | 83.9092% | 1,598 |
| Assets per employee ($millions) | 4.0346% | 3,799 |
| Cash dividends to net income (ytd only)* | 68.5478% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 6,606 |
| Loan loss allowance to noncurrent loans | 26.9825% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 4,068 |
| Noncurrent loans to loans | 2.9563% | 1,894 |
| Net loans and leases to total assets | 33.6497% | 6,674 |
| Net loans and leases to deposits | 39.9546% | 6,675 |
| Net loans and leases to core deposits | 40.0952% | 6,735 |
| Total domestic deposits to total assets | 84.2198% | 4,122 |
| Equity capital to assets | 15.1596% | 789 |
| Core capital (leverage) ratio | 14.2307% | 766 |
| Tier 1 risk-based capital ratio | 29.6183% | 550 |
| Total risk-based capital ratio | 30.1751% | 582 |
| Memoranda: | ||
| Average total assets | $95,414,250 | 5,006 |
| Average earning assets | $81,425,000 | 5,127 |
| Average equity | $14,543,250 | 4,090 |
| Average total loans | $33,983,750 | 5,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1142% | 6,926 |
| Cost of funding earning assets | 0.2519% | 6,903 |
| Net interest margin | 2.8623% | 6,474 |
| Noninterest income to average assets | 0.4592% | 4,213 |
| Noninterest expense to average assets | 2.3383% | 5,640 |
| Loan and lease loss provision to assets | 0.1685% | 3,418 |
| Net operating income to assets | 0.1824% | 5,970 |
| Return on assets (ROA) | 0.6004% | 4,622 |
| Pretax return on assets | 1.0470% | 3,532 |
| Return on Equity (ROE) | 3.9316% | 5,296 |
| Retained earnings to average equity (ytd only) | 0.4139% | 5,903 |
| Net charge-offs to loans | 0.5878% | 1,847 |
| Credit loss provision to net charge-offs | 79.2079% | 3,341 |
| Earnings coverage of net charge-offs (x) | 2.6436% | 3,684 |
| Efficiency ratio | 80.6100% | 2,086 |
| Assets per employee ($millions) | 3.8830% | 4,114 |
| Cash dividends to net income (ytd only)* | 89.4737% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 6,681 |
| Loan loss allowance to noncurrent loans | 28.7269% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,181 |
| Noncurrent loans to loans | 2.7679% | 2,165 |
| Net loans and leases to total assets | 35.3446% | 6,647 |
| Net loans and leases to deposits | 42.1525% | 6,637 |
| Net loans and leases to core deposits | 42.3069% | 6,719 |
| Total domestic deposits to total assets | 83.8493% | 4,378 |
| Equity capital to assets | 15.5423% | 669 |
| Core capital (leverage) ratio | 14.6366% | 668 |
| Tier 1 risk-based capital ratio | 29.0805% | 566 |
| Total risk-based capital ratio | 29.6348% | 606 |
| Memoranda: | ||
| Average total assets | $94,942,330 | 5,035 |
| Average earning assets | $80,983,000 | 5,180 |
| Average equity | $14,498,000 | 4,092 |
| Average total loans | $34,363,330 | 5,855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 6,974 |
| Cost of funding earning assets | 0.2590% | 6,980 |
| Net interest margin | 2.9021% | 6,485 |
| Noninterest income to average assets | 0.3924% | 4,724 |
| Noninterest expense to average assets | 2.4588% | 5,291 |
| Loan and lease loss provision to assets | 0.3340% | 1,874 |
| Net operating income to assets | -0.0872% | 6,521 |
| Return on assets (ROA) | 0.2254% | 6,049 |
| Pretax return on assets | 0.6137% | 5,069 |
| Return on Equity (ROE) | 1.4891% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.7997% | 5,736 |
| Net charge-offs to loans | 0.6410% | 1,521 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 1.9643% | 3,358 |
| Efficiency ratio | 84.2632% | 1,657 |
| Assets per employee ($millions) | 3.9446% | 4,124 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,431 |
| Loan loss allowance to noncurrent loans | 31.8557% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 4,309 |
| Noncurrent loans to loans | 2.9684% | 2,178 |
| Net loans and leases to total assets | 32.8226% | 6,788 |
| Net loans and leases to deposits | 38.7464% | 6,795 |
| Net loans and leases to core deposits | 38.8791% | 6,858 |
| Total domestic deposits to total assets | 84.7113% | 4,159 |
| Equity capital to assets | 14.7148% | 800 |
| Core capital (leverage) ratio | 13.8363% | 845 |
| Tier 1 risk-based capital ratio | 27.1971% | 713 |
| Total risk-based capital ratio | 27.8046% | 745 |
| Memoranda: | ||
| Average total assets | $95,818,000 | 5,043 |
| Average earning assets | $83,388,500 | 5,161 |
| Average equity | $14,505,000 | 4,096 |
| Average total loans | $34,944,000 | 5,873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 7,034 |
| Cost of funding earning assets | 0.3812% | 6,940 |
| Net interest margin | 3.0521% | 6,447 |
| Noninterest income to average assets | 0.4945% | 3,886 |
| Noninterest expense to average assets | 2.5062% | 5,450 |
| Loan and lease loss provision to assets | 0.0599% | 5,859 |
| Net operating income to assets | 0.4907% | 4,464 |
| Return on assets (ROA) | 0.5729% | 4,317 |
| Pretax return on assets | 0.6971% | 4,329 |
| Return on Equity (ROE) | 3.7429% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.8572% | 4,893 |
| Net charge-offs to loans | 0.1554% | 4,900 |
| Credit loss provision to net charge-offs | 101.8519% | 3,409 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 1,748 |
| Efficiency ratio | 79.2355% | 2,410 |
| Assets per employee ($millions) | 3.7208% | 4,507 |
| Cash dividends to net income (ytd only)* | 50.3802% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,810 |
| Loan loss allowance to noncurrent loans | 28.9340% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 4,497 |
| Noncurrent loans to loans | 2.6471% | 2,454 |
| Net loans and leases to total assets | 39.6964% | 6,560 |
| Net loans and leases to deposits | 47.4414% | 6,534 |
| Net loans and leases to core deposits | 47.6151% | 6,662 |
| Total domestic deposits to total assets | 83.6747% | 4,459 |
| Equity capital to assets | 15.5868% | 656 |
| Core capital (leverage) ratio | 14.8494% | 634 |
| Tier 1 risk-based capital ratio | 25.7530% | 798 |
| Total risk-based capital ratio | 26.2851% | 855 |
| Memoranda: | ||
| Average total assets | $91,813,400 | 5,139 |
| Average earning assets | $80,272,200 | 5,222 |
| Average equity | $14,053,200 | 4,096 |
| Average total loans | $34,748,400 | 5,925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 7,132 |
| Cost of funding earning assets | 0.4134% | 6,986 |
| Net interest margin | 2.9974% | 6,585 |
| Noninterest income to average assets | 0.4662% | 4,159 |
| Noninterest expense to average assets | 2.5045% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4211% | 4,900 |
| Return on assets (ROA) | 0.5158% | 4,664 |
| Pretax return on assets | 0.7110% | 4,431 |
| Return on Equity (ROE) | 3.3854% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.3335% | 4,950 |
| Net charge-offs to loans | 0.1797% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.6742% | 2,141 |
| Efficiency ratio | 81.1615% | 2,089 |
| Assets per employee ($millions) | 3.6810% | 4,572 |
| Cash dividends to net income (ytd only)* | 31.0727% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 7,010 |
| Loan loss allowance to noncurrent loans | 23.0397% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 4,536 |
| Noncurrent loans to loans | 2.8841% | 2,422 |
| Net loans and leases to total assets | 38.6627% | 6,730 |
| Net loans and leases to deposits | 46.3600% | 6,725 |
| Net loans and leases to core deposits | 46.7174% | 6,818 |
| Total domestic deposits to total assets | 83.3967% | 4,522 |
| Equity capital to assets | 15.8872% | 652 |
| Core capital (leverage) ratio | 14.6356% | 741 |
| Tier 1 risk-based capital ratio | 26.4518% | 789 |
| Total risk-based capital ratio | 26.9087% | 847 |
| Memoranda: | ||
| Average total assets | $91,511,500 | 5,182 |
| Average earning assets | $79,978,500 | 5,272 |
| Average equity | $13,941,750 | 4,136 |
| Average total loans | $34,132,750 | 6,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 7,243 |
| Cost of funding earning assets | 0.4291% | 7,064 |
| Net interest margin | 2.8968% | 6,796 |
| Noninterest income to average assets | 0.4576% | 4,221 |
| Noninterest expense to average assets | 2.4808% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3677% | 5,093 |
| Return on assets (ROA) | 0.5014% | 4,634 |
| Pretax return on assets | 0.7072% | 4,359 |
| Return on Equity (ROE) | 3.3392% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.7352% | 5,126 |
| Net charge-offs to loans | 0.2383% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.9250% | 2,508 |
| Efficiency ratio | 82.7007% | 1,989 |
| Assets per employee ($millions) | 3.7257% | 4,366 |
| Cash dividends to net income (ytd only)* | 48.0349% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 6,960 |
| Loan loss allowance to noncurrent loans | 24.9491% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 4,778 |
| Noncurrent loans to loans | 2.9805% | 2,437 |
| Net loans and leases to total assets | 35.1109% | 7,008 |
| Net loans and leases to deposits | 41.5746% | 7,007 |
| Net loans and leases to core deposits | 41.8866% | 7,072 |
| Total domestic deposits to total assets | 84.4528% | 4,145 |
| Equity capital to assets | 15.0759% | 806 |
| Core capital (leverage) ratio | 14.6850% | 729 |
| Tier 1 risk-based capital ratio | 27.2847% | 711 |
| Total risk-based capital ratio | 27.7735% | 743 |
| Memoranda: | ||
| Average total assets | $91,340,670 | 5,223 |
| Average earning assets | $80,158,670 | 5,317 |
| Average equity | $13,715,670 | 4,175 |
| Average total loans | $33,571,330 | 6,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 7,320 |
| Cost of funding earning assets | 0.4586% | 7,095 |
| Net interest margin | 2.7963% | 6,908 |
| Noninterest income to average assets | 0.4290% | 4,460 |
| Noninterest expense to average assets | 2.4193% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3981% | 4,956 |
| Return on assets (ROA) | 0.3981% | 5,049 |
| Pretax return on assets | 0.4909% | 5,056 |
| Return on Equity (ROE) | 2.6563% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.6563% | 4,574 |
| Net charge-offs to loans | -0.0118% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1307% | 2,062 |
| Assets per employee ($millions) | 3.7306% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,747 |
| Loan loss allowance to noncurrent loans | 27.5097% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,698 |
| Noncurrent loans to loans | 3.1978% | 2,346 |
| Net loans and leases to total assets | 34.4306% | 7,078 |
| Net loans and leases to deposits | 40.4928% | 7,075 |
| Net loans and leases to core deposits | 40.7937% | 7,141 |
| Total domestic deposits to total assets | 85.0288% | 4,016 |
| Equity capital to assets | 14.6431% | 842 |
| Core capital (leverage) ratio | 14.4070% | 758 |
| Tier 1 risk-based capital ratio | 29.1450% | 563 |
| Total risk-based capital ratio | 29.7536% | 593 |
| Memoranda: | ||
| Average total assets | $90,440,000 | 5,275 |
| Average earning assets | $80,248,000 | 5,352 |
| Average equity | $13,552,500 | 4,204 |
| Average total loans | $33,883,000 | 6,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 7,245 |
| Cost of funding earning assets | 0.8079% | 6,536 |
| Net interest margin | 3.0080% | 6,719 |
| Noninterest income to average assets | 0.4866% | 4,275 |
| Noninterest expense to average assets | 2.5411% | 5,646 |
| Loan and lease loss provision to assets | 0.4877% | 3,221 |
| Net operating income to assets | 0.1208% | 5,537 |
| Return on assets (ROA) | 0.2940% | 5,120 |
| Pretax return on assets | 0.1892% | 5,510 |
| Return on Equity (ROE) | 1.8746% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.2761% | 5,443 |
| Net charge-offs to loans | 0.8410% | 2,528 |
| Credit loss provision to net charge-offs | 147.0790% | 2,493 |
| Earnings coverage of net charge-offs (x) | 1.5189% | 4,613 |
| Efficiency ratio | 83.4581% | 1,992 |
| Assets per employee ($millions) | 3.3698% | 5,243 |
| Cash dividends to net income (ytd only)* | 85.2713% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 6,962 |
| Loan loss allowance to noncurrent loans | 27.0734% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 4,626 |
| Noncurrent loans to loans | 2.9659% | 2,578 |
| Net loans and leases to total assets | 40.0450% | 6,959 |
| Net loans and leases to deposits | 47.4628% | 6,977 |
| Net loans and leases to core deposits | 47.8401% | 7,080 |
| Total domestic deposits to total assets | 84.3712% | 4,192 |
| Equity capital to assets | 15.3491% | 709 |
| Core capital (leverage) ratio | 15.0094% | 663 |
| Tier 1 risk-based capital ratio | 28.0582% | 606 |
| Total risk-based capital ratio | 28.6459% | 637 |
| Memoranda: | ||
| Average total assets | $87,758,200 | 5,355 |
| Average earning assets | $74,634,800 | 5,522 |
| Average equity | $13,762,600 | 4,195 |
| Average total loans | $34,600,200 | 6,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 7,353 |
| Cost of funding earning assets | 0.8869% | 6,449 |
| Net interest margin | 2.9945% | 6,848 |
| Noninterest income to average assets | 0.4905% | 4,264 |
| Noninterest expense to average assets | 2.6258% | 5,215 |
| Loan and lease loss provision to assets | 0.6500% | 2,357 |
| Net operating income to assets | -0.3174% | 6,444 |
| Return on assets (ROA) | -0.1655% | 6,350 |
| Pretax return on assets | -0.1260% | 6,254 |
| Return on Equity (ROE) | -1.0500% | 6,284 |
| Retained earnings to average equity (ytd only) | -2.1096% | 6,221 |
| Net charge-offs to loans | 1.1160% | 1,825 |
| Credit loss provision to net charge-offs | 148.6111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.8507% | 5,201 |
| Efficiency ratio | 87.5887% | 1,484 |
| Assets per employee ($millions) | 3.5828% | 4,772 |
| Cash dividends to net income (ytd only)* | -100.9152% | 7,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,865 |
| Loan loss allowance to noncurrent loans | 27.2555% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 4,858 |
| Noncurrent loans to loans | 3.1543% | 2,520 |
| Net loans and leases to total assets | 35.5286% | 7,282 |
| Net loans and leases to deposits | 41.9941% | 7,301 |
| Net loans and leases to core deposits | 42.5847% | 7,361 |
| Total domestic deposits to total assets | 84.6038% | 3,826 |
| Equity capital to assets | 14.7982% | 945 |
| Core capital (leverage) ratio | 14.6347% | 789 |
| Tier 1 risk-based capital ratio | 29.2651% | 554 |
| Total risk-based capital ratio | 29.8966% | 574 |
| Memoranda: | ||
| Average total assets | $87,794,250 | 5,421 |
| Average earning assets | $73,511,250 | 5,618 |
| Average equity | $13,841,250 | 4,238 |
| Average total loans | $34,408,000 | 6,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 7,392 |
| Cost of funding earning assets | 0.9077% | 6,546 |
| Net interest margin | 3.0583% | 6,707 |
| Noninterest income to average assets | 0.5023% | 4,100 |
| Noninterest expense to average assets | 2.7811% | 4,572 |
| Loan and lease loss provision to assets | 0.9953% | 1,462 |
| Net operating income to assets | -0.6837% | 6,797 |
| Return on assets (ROA) | -0.4581% | 6,652 |
| Pretax return on assets | -0.4395% | 6,543 |
| Return on Equity (ROE) | -2.8427% | 6,501 |
| Retained earnings to average equity (ytd only) | -4.4300% | 6,490 |
| Net charge-offs to loans | -0.0115% | 7,216 |
| Credit loss provision to net charge-offs | -21,400.0000% | 7,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3871% | 1,381 |
| Assets per employee ($millions) | 3.4177% | 5,133 |
| Cash dividends to net income (ytd only)* | -55.8376% | 7,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,065 |
| Loan loss allowance to noncurrent loans | 46.1600% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 4,266 |
| Noncurrent loans to loans | 3.6879% | 2,122 |
| Net loans and leases to total assets | 38.9944% | 7,222 |
| Net loans and leases to deposits | 46.7411% | 7,215 |
| Net loans and leases to core deposits | 47.4663% | 7,305 |
| Total domestic deposits to total assets | 83.4264% | 4,379 |
| Equity capital to assets | 15.9229% | 683 |
| Core capital (leverage) ratio | 15.1700% | 689 |
| Tier 1 risk-based capital ratio | 29.1148% | 562 |
| Total risk-based capital ratio | 30.3643% | 551 |
| Memoranda: | ||
| Average total assets | $86,008,000 | 5,507 |
| Average earning assets | $73,374,670 | 5,663 |
| Average equity | $13,860,000 | 4,228 |
| Average total loans | $34,749,670 | 6,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 7,512 |
| Cost of funding earning assets | 0.9119% | 6,722 |
| Net interest margin | 3.0093% | 6,813 |
| Noninterest income to average assets | 0.4589% | 4,387 |
| Noninterest expense to average assets | 2.8786% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1437% | 5,880 |
| Return on assets (ROA) | 0.1437% | 6,008 |
| Pretax return on assets | 0.1808% | 5,943 |
| Return on Equity (ROE) | 0.8865% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.8865% | 5,457 |
| Net charge-offs to loans | -0.0114% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0909% | 1,131 |
| Assets per employee ($millions) | 3.3020% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 7,649 |
| Loan loss allowance to noncurrent loans | 23.6045% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 5,704 |
| Noncurrent loans to loans | 1.8863% | 3,945 |
| Net loans and leases to total assets | 38.5442% | 7,328 |
| Net loans and leases to deposits | 46.4507% | 7,314 |
| Net loans and leases to core deposits | 47.1691% | 7,391 |
| Total domestic deposits to total assets | 82.9788% | 4,636 |
| Equity capital to assets | 16.2710% | 636 |
| Core capital (leverage) ratio | 15.1425% | 723 |
| Tier 1 risk-based capital ratio | 27.4081% | 680 |
| Total risk-based capital ratio | 27.7074% | 730 |
| Memoranda: | ||
| Average total assets | $86,290,500 | 5,565 |
| Average earning assets | $74,569,000 | 5,687 |
| Average equity | $13,987,500 | 4,248 |
| Average total loans | $35,177,000 | 6,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 7,615 |
| Cost of funding earning assets | 1.0611% | 7,074 |
| Net interest margin | 3.1213% | 6,309 |
| Noninterest income to average assets | 0.5198% | 4,262 |
| Noninterest expense to average assets | 2.6326% | 5,660 |
| Loan and lease loss provision to assets | 0.0036% | 7,415 |
| Net operating income to assets | 0.6054% | 3,307 |
| Return on assets (ROA) | 0.5377% | 3,669 |
| Pretax return on assets | 0.6781% | 3,651 |
| Return on Equity (ROE) | 3.2970% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.0875% | 4,852 |
| Net charge-offs to loans | 0.0687% | 6,431 |
| Credit loss provision to net charge-offs | 13.0435% | 6,967 |
| Earnings coverage of net charge-offs (x) | 28.0435% | 813 |
| Efficiency ratio | 77.4318% | 3,283 |
| Assets per employee ($millions) | 3.3357% | 5,411 |
| Cash dividends to net income (ytd only)* | 97.3451% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3961% | 7,761 |
| Loan loss allowance to noncurrent loans | 22.7202% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 5,612 |
| Noncurrent loans to loans | 1.7432% | 4,024 |
| Net loans and leases to total assets | 42.6247% | 7,214 |
| Net loans and leases to deposits | 51.3537% | 7,182 |
| Net loans and leases to core deposits | 55.5217% | 7,419 |
| Total domestic deposits to total assets | 83.0022% | 4,519 |
| Equity capital to assets | 16.1492% | 679 |
| Core capital (leverage) ratio | 15.8459% | 640 |
| Tier 1 risk-based capital ratio | 25.7661% | 778 |
| Total risk-based capital ratio | 26.0463% | 840 |
| Memoranda: | ||
| Average total assets | $84,062,800 | 5,592 |
| Average earning assets | $77,564,600 | 5,540 |
| Average equity | $13,709,600 | 4,334 |
| Average total loans | $33,470,600 | 6,432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 7,684 |
| Cost of funding earning assets | 1.1190% | 7,136 |
| Net interest margin | 3.1526% | 6,167 |
| Noninterest income to average assets | 0.5100% | 4,404 |
| Noninterest expense to average assets | 2.5676% | 5,832 |
| Loan and lease loss provision to assets | 0.0048% | 7,266 |
| Net operating income to assets | 0.6546% | 3,381 |
| Return on assets (ROA) | 0.5660% | 3,813 |
| Pretax return on assets | 0.7322% | 3,755 |
| Return on Equity (ROE) | 3.4615% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.3103% | 4,593 |
| Net charge-offs to loans | 0.0082% | 6,846 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 266.1610% | 140 |
| Efficiency ratio | 75.0818% | 3,673 |
| Assets per employee ($millions) | 3.1206% | 5,856 |
| Cash dividends to net income (ytd only)* | 62.1475% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 7,727 |
| Loan loss allowance to noncurrent loans | 24.6334% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 5,479 |
| Noncurrent loans to loans | 1.9910% | 3,654 |
| Net loans and leases to total assets | 40.4558% | 7,446 |
| Net loans and leases to deposits | 48.9847% | 7,460 |
| Net loans and leases to core deposits | 53.1630% | 7,617 |
| Total domestic deposits to total assets | 82.5886% | 4,406 |
| Equity capital to assets | 16.6305% | 687 |
| Core capital (leverage) ratio | 15.7627% | 716 |
| Tier 1 risk-based capital ratio | 27.5403% | 706 |
| Total risk-based capital ratio | 27.8795% | 758 |
| Memoranda: | ||
| Average total assets | $83,396,250 | 5,637 |
| Average earning assets | $76,971,000 | 5,597 |
| Average equity | $13,635,500 | 4,381 |
| Average total loans | $32,559,500 | 6,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 7,754 |
| Cost of funding earning assets | 1.1790% | 7,169 |
| Net interest margin | 3.1692% | 6,024 |
| Noninterest income to average assets | 0.5102% | 4,360 |
| Noninterest expense to average assets | 2.5725% | 5,848 |
| Loan and lease loss provision to assets | 0.0072% | 7,122 |
| Net operating income to assets | 0.6461% | 3,481 |
| Return on assets (ROA) | 0.5126% | 4,158 |
| Pretax return on assets | 0.6786% | 4,074 |
| Return on Equity (ROE) | 3.1532% | 4,844 |
| Retained earnings to average equity (ytd only) | -0.1036% | 5,245 |
| Net charge-offs to loans | 0.0125% | 6,380 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 229 |
| Efficiency ratio | 74.9124% | 3,896 |
| Assets per employee ($millions) | 3.2598% | 5,424 |
| Cash dividends to net income (ytd only)* | 103.2864% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5373% | 7,744 |
| Loan loss allowance to noncurrent loans | 24.0981% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 5,349 |
| Noncurrent loans to loans | 2.2297% | 3,218 |
| Net loans and leases to total assets | 36.4741% | 7,691 |
| Net loans and leases to deposits | 43.7367% | 7,709 |
| Net loans and leases to core deposits | 47.4512% | 7,810 |
| Total domestic deposits to total assets | 83.3947% | 4,069 |
| Equity capital to assets | 15.9776% | 829 |
| Core capital (leverage) ratio | 16.4146% | 690 |
| Tier 1 risk-based capital ratio | 27.6209% | 740 |
| Total risk-based capital ratio | 27.9626% | 777 |
| Memoranda: | ||
| Average total assets | $83,110,000 | 5,694 |
| Average earning assets | $76,675,670 | 5,648 |
| Average equity | $13,510,000 | 4,420 |
| Average total loans | $31,994,670 | 6,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 7,578 |
| Cost of funding earning assets | 1.3409% | 6,903 |
| Net interest margin | 3.3044% | 5,483 |
| Noninterest income to average assets | 0.4764% | 4,540 |
| Noninterest expense to average assets | 2.5520% | 5,642 |
| Loan and lease loss provision to assets | 0.0146% | 6,665 |
| Net operating income to assets | 0.7437% | 3,374 |
| Return on assets (ROA) | 0.7437% | 3,552 |
| Pretax return on assets | 0.9285% | 3,609 |
| Return on Equity (ROE) | 4.5353% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.5353% | 3,407 |
| Net charge-offs to loans | -0.0740% | 7,807 |
| Credit loss provision to net charge-offs | -50.0000% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0181% | 4,005 |
| Assets per employee ($millions) | 3.1493% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 7,713 |
| Loan loss allowance to noncurrent loans | 62.6335% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 6,487 |
| Noncurrent loans to loans | 0.9147% | 5,174 |
| Net loans and leases to total assets | 37.3017% | 7,685 |
| Net loans and leases to deposits | 45.0400% | 7,689 |
| Net loans and leases to core deposits | 48.8672% | 7,814 |
| Total domestic deposits to total assets | 82.8190% | 4,232 |
| Equity capital to assets | 16.6913% | 768 |
| Core capital (leverage) ratio | 16.3980% | 728 |
| Tier 1 risk-based capital ratio | 28.0346% | 752 |
| Total risk-based capital ratio | 28.3958% | 790 |
| Memoranda: | ||
| Average total assets | $82,287,000 | 5,729 |
| Average earning assets | $75,172,000 | 5,727 |
| Average equity | $13,494,000 | 4,447 |
| Average total loans | $32,451,500 | 6,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 7,717 |
| Cost of funding earning assets | 1.8426% | 6,887 |
| Net interest margin | 3.3164% | 5,977 |
| Noninterest income to average assets | 0.5605% | 4,158 |
| Noninterest expense to average assets | 2.7139% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7139% | 3,833 |
| Return on assets (ROA) | 0.6227% | 4,066 |
| Pretax return on assets | 0.8083% | 4,037 |
| Return on Equity (ROE) | 3.7425% | 4,922 |
| Retained earnings to average equity (ytd only) | 0.4491% | 4,977 |
| Net charge-offs to loans | 0.0795% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 29.7600% | 1,176 |
| Efficiency ratio | 74.5467% | 3,484 |
| Assets per employee ($millions) | 3.1805% | 5,539 |
| Cash dividends to net income (ytd only)* | 88.0000% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 7,868 |
| Loan loss allowance to noncurrent loans | 48.2659% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 5,962 |
| Noncurrent loans to loans | 1.0122% | 4,560 |
| Net loans and leases to total assets | 41.1365% | 7,623 |
| Net loans and leases to deposits | 49.4944% | 7,650 |
| Net loans and leases to core deposits | 54.5993% | 7,785 |
| Total domestic deposits to total assets | 83.1134% | 3,721 |
| Equity capital to assets | 16.1090% | 910 |
| Core capital (leverage) ratio | 16.3976% | 770 |
| Tier 1 risk-based capital ratio | 25.9664% | 906 |
| Total risk-based capital ratio | 26.2875% | 967 |
| Memoranda: | ||
| Average total assets | $80,289,600 | 5,694 |
| Average earning assets | $74,568,600 | 5,640 |
| Average equity | $13,360,200 | 4,483 |
| Average total loans | $31,460,600 | 6,632 |