Home > Citizens State Bank > Performance and Condition Ratios
Citizens 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 | 5.7501% | 424 |
| Cost of funding earning assets | 0.7361% | 3,469 |
| Net interest margin | 5.0140% | 393 |
| Noninterest income to average assets | 0.4709% | 4,130 |
| Noninterest expense to average assets | 3.7303% | 1,324 |
| Loan and lease loss provision to assets | 0.2565% | 2,524 |
| Net operating income to assets | 1.0517% | 2,279 |
| Return on assets (ROA) | 1.4731% | 1,192 |
| Pretax return on assets | 1.4731% | 1,987 |
| Return on Equity (ROE) | 14.3331% | 1,042 |
| Retained earnings to average equity (ytd only) | 10.1615% | 874 |
| Net charge-offs to loans | 0.3682% | 2,628 |
| Credit loss provision to net charge-offs | 106.0606% | 2,769 |
| Earnings coverage of net charge-offs (x) | 5.4090% | 3,037 |
| Efficiency ratio | 74.0364% | 2,976 |
| Assets per employee ($millions) | 3.2760% | 5,489 |
| Cash dividends to net income (ytd only)* | 29.1044% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,577 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.3639% | 3,141 |
| Net loans and leases to deposits | 71.7054% | 3,653 |
| Net loans and leases to core deposits | 80.1597% | 3,188 |
| Total domestic deposits to total assets | 88.3670% | 1,800 |
| Equity capital to assets | 10.7130% | 3,597 |
| Core capital (leverage) ratio | 9.9389% | 3,631 |
| Tier 1 risk-based capital ratio | 16.0272% | 3,249 |
| Total risk-based capital ratio | 17.2178% | 3,250 |
| Memoranda: | ||
| Average total assets | $72,770,750 | 5,613 |
| Average earning assets | $66,293,000 | 5,606 |
| Average equity | $7,479,000 | 5,699 |
| Average total loans | $47,797,250 | 5,241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 911 |
| Cost of funding earning assets | 0.7739% | 3,415 |
| Net interest margin | 4.6041% | 823 |
| Noninterest income to average assets | 0.4548% | 4,257 |
| Noninterest expense to average assets | 3.6162% | 1,549 |
| Loan and lease loss provision to assets | 0.3835% | 1,705 |
| Net operating income to assets | 0.6602% | 4,060 |
| Return on assets (ROA) | 1.2903% | 1,617 |
| Pretax return on assets | 1.2903% | 2,597 |
| Return on Equity (ROE) | 12.7326% | 1,432 |
| Retained earnings to average equity (ytd only) | 8.6236% | 1,407 |
| Net charge-offs to loans | 0.4718% | 2,177 |
| Credit loss provision to net charge-offs | 122.8070% | 2,233 |
| Earnings coverage of net charge-offs (x) | 3.3421% | 3,412 |
| Efficiency ratio | 77.6014% | 2,509 |
| Assets per employee ($millions) | 3.1484% | 5,756 |
| Cash dividends to net income (ytd only)* | 32.2718% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,546 |
| Loan loss allowance to noncurrent loans | 28.3299% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 2.6956% | 2,048 |
| Noncurrent loans to loans | 4.0781% | 1,345 |
| Net loans and leases to total assets | 65.3354% | 2,799 |
| Net loans and leases to deposits | 73.5206% | 3,375 |
| Net loans and leases to core deposits | 82.6916% | 2,872 |
| Total domestic deposits to total assets | 88.8668% | 1,591 |
| Equity capital to assets | 10.2867% | 3,954 |
| Core capital (leverage) ratio | 9.6004% | 3,999 |
| Tier 1 risk-based capital ratio | 14.9359% | 3,811 |
| Total risk-based capital ratio | 16.1241% | 3,806 |
| Memoranda: | ||
| Average total assets | $73,004,000 | 5,635 |
| Average earning assets | $66,679,330 | 5,623 |
| Average equity | $7,398,330 | 5,744 |
| Average total loans | $48,329,000 | 5,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 753 |
| Cost of funding earning assets | 0.8164% | 3,338 |
| Net interest margin | 4.6839% | 703 |
| Noninterest income to average assets | 0.4857% | 4,016 |
| Noninterest expense to average assets | 3.4380% | 1,919 |
| Loan and lease loss provision to assets | 0.7640% | 658 |
| Net operating income to assets | 0.5730% | 4,477 |
| Return on assets (ROA) | 1.6426% | 898 |
| Pretax return on assets | 1.6426% | 1,450 |
| Return on Equity (ROE) | 16.3299% | 761 |
| Retained earnings to average equity (ytd only) | 14.9736% | 449 |
| Net charge-offs to loans | -0.0824% | 6,724 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0000% | 3,447 |
| Assets per employee ($millions) | 3.4897% | 5,138 |
| Cash dividends to net income (ytd only)* | 8.3056% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,599 |
| Loan loss allowance to noncurrent loans | 35.3710% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.6882% | 2,191 |
| Noncurrent loans to loans | 3.9650% | 1,547 |
| Net loans and leases to total assets | 64.9468% | 2,662 |
| Net loans and leases to deposits | 72.9112% | 3,280 |
| Net loans and leases to core deposits | 82.6704% | 2,734 |
| Total domestic deposits to total assets | 89.0766% | 1,655 |
| Equity capital to assets | 10.0392% | 4,081 |
| Core capital (leverage) ratio | 9.3758% | 4,229 |
| Tier 1 risk-based capital ratio | 14.3728% | 4,194 |
| Total risk-based capital ratio | 15.6234% | 4,166 |
| Memoranda: | ||
| Average total assets | $73,299,000 | 5,673 |
| Average earning assets | $67,123,500 | 5,655 |
| Average equity | $7,373,000 | 5,770 |
| Average total loans | $48,561,000 | 5,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 536 |
| Cost of funding earning assets | 1.0491% | 3,026 |
| Net interest margin | 4.8405% | 579 |
| Noninterest income to average assets | 0.5370% | 3,605 |
| Noninterest expense to average assets | 3.5763% | 1,789 |
| Loan and lease loss provision to assets | 0.9354% | 1,028 |
| Net operating income to assets | 0.5503% | 4,230 |
| Return on assets (ROA) | 0.6289% | 4,039 |
| Pretax return on assets | 0.6289% | 4,599 |
| Return on Equity (ROE) | 6.6990% | 3,539 |
| Retained earnings to average equity (ytd only) | -1.1070% | 6,022 |
| Net charge-offs to loans | 1.2928% | 1,275 |
| Credit loss provision to net charge-offs | 102.1834% | 3,393 |
| Earnings coverage of net charge-offs (x) | 1.6230% | 4,556 |
| Efficiency ratio | 70.6502% | 3,825 |
| Assets per employee ($millions) | 3.4912% | 5,032 |
| Cash dividends to net income (ytd only)* | 116.5254% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,890 |
| Loan loss allowance to noncurrent loans | 27.9724% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 2.7443% | 2,213 |
| Noncurrent loans to loans | 3.8567% | 1,631 |
| Net loans and leases to total assets | 65.9115% | 2,803 |
| Net loans and leases to deposits | 73.9630% | 3,506 |
| Net loans and leases to core deposits | 84.2363% | 2,861 |
| Total domestic deposits to total assets | 89.1141% | 1,472 |
| Equity capital to assets | 10.0784% | 4,064 |
| Core capital (leverage) ratio | 9.0481% | 4,696 |
| Tier 1 risk-based capital ratio | 13.9877% | 4,334 |
| Total risk-based capital ratio | 15.0994% | 4,399 |
| Memoranda: | ||
| Average total assets | $75,049,000 | 5,605 |
| Average earning assets | $70,158,000 | 5,534 |
| Average equity | $7,045,800 | 5,852 |
| Average total loans | $53,142,400 | 5,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 499 |
| Cost of funding earning assets | 1.1041% | 2,951 |
| Net interest margin | 4.8543% | 563 |
| Noninterest income to average assets | 0.4999% | 3,871 |
| Noninterest expense to average assets | 3.5946% | 1,721 |
| Loan and lease loss provision to assets | 1.1464% | 700 |
| Net operating income to assets | 0.3020% | 5,386 |
| Return on assets (ROA) | 0.4063% | 5,154 |
| Pretax return on assets | 0.4063% | 5,448 |
| Return on Equity (ROE) | 4.4060% | 4,812 |
| Retained earnings to average equity (ytd only) | -1.2260% | 6,188 |
| Net charge-offs to loans | 1.4190% | 1,046 |
| Credit loss provision to net charge-offs | 112.4783% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.4212% | 4,563 |
| Efficiency ratio | 71.2785% | 3,693 |
| Assets per employee ($millions) | 3.7473% | 4,413 |
| Cash dividends to net income (ytd only)* | 127.8256% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,691 |
| Loan loss allowance to noncurrent loans | 27.9560% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 2.9581% | 2,177 |
| Noncurrent loans to loans | 4.1073% | 1,613 |
| Net loans and leases to total assets | 67.0843% | 2,656 |
| Net loans and leases to deposits | 75.2537% | 3,464 |
| Net loans and leases to core deposits | 86.8012% | 2,674 |
| Total domestic deposits to total assets | 89.1442% | 1,337 |
| Equity capital to assets | 9.6763% | 4,813 |
| Core capital (leverage) ratio | 8.9471% | 5,019 |
| Tier 1 risk-based capital ratio | 13.5294% | 4,709 |
| Total risk-based capital ratio | 14.7186% | 4,728 |
| Memoranda: | ||
| Average total assets | $75,482,500 | 5,629 |
| Average earning assets | $70,643,000 | 5,562 |
| Average equity | $6,960,000 | 5,911 |
| Average total loans | $54,215,500 | 5,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 380 |
| Cost of funding earning assets | 1.1651% | 2,808 |
| Net interest margin | 4.9396% | 444 |
| Noninterest income to average assets | 0.4599% | 4,194 |
| Noninterest expense to average assets | 3.6743% | 1,577 |
| Loan and lease loss provision to assets | 1.5569% | 452 |
| Net operating income to assets | -0.1427% | 6,407 |
| Return on assets (ROA) | -0.0634% | 6,368 |
| Pretax return on assets | -0.0634% | 6,327 |
| Return on Equity (ROE) | -0.6994% | 6,371 |
| Retained earnings to average equity (ytd only) | -6.7029% | 6,706 |
| Net charge-offs to loans | 2.1253% | 611 |
| Credit loss provision to net charge-offs | 100.1701% | 3,101 |
| Earnings coverage of net charge-offs (x) | 0.9099% | 4,617 |
| Efficiency ratio | 72.2078% | 3,693 |
| Assets per employee ($millions) | 3.4918% | 4,965 |
| Cash dividends to net income (ytd only)* | -858.3333% | 7,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,386 |
| Loan loss allowance to noncurrent loans | 24.0394% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 3.3657% | 1,963 |
| Noncurrent loans to loans | 4.1035% | 1,675 |
| Net loans and leases to total assets | 70.2224% | 2,174 |
| Net loans and leases to deposits | 78.5214% | 3,037 |
| Net loans and leases to core deposits | 92.7683% | 2,043 |
| Total domestic deposits to total assets | 89.4309% | 1,276 |
| Equity capital to assets | 9.3526% | 5,069 |
| Core capital (leverage) ratio | 8.6011% | 5,409 |
| Tier 1 risk-based capital ratio | 12.9612% | 4,945 |
| Total risk-based capital ratio | 13.9876% | 5,118 |
| Memoranda: | ||
| Average total assets | $75,661,330 | 5,667 |
| Average earning assets | $70,896,000 | 5,598 |
| Average equity | $6,862,670 | 5,958 |
| Average total loans | $55,333,670 | 5,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2710% | 299 |
| Cost of funding earning assets | 1.1942% | 2,854 |
| Net interest margin | 5.0768% | 322 |
| Noninterest income to average assets | 0.5206% | 3,723 |
| Noninterest expense to average assets | 3.5351% | 1,922 |
| Loan and lease loss provision to assets | 0.5727% | 1,505 |
| Net operating income to assets | 1.1714% | 1,593 |
| Return on assets (ROA) | 1.1819% | 1,615 |
| Pretax return on assets | 1.1819% | 2,443 |
| Return on Equity (ROE) | 13.2265% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.1479% | 1,336 |
| Net charge-offs to loans | 0.3790% | 2,551 |
| Credit loss provision to net charge-offs | 203.7037% | 1,460 |
| Earnings coverage of net charge-offs (x) | 6.2037% | 2,138 |
| Efficiency ratio | 66.9625% | 4,856 |
| Assets per employee ($millions) | 3.5169% | 4,955 |
| Cash dividends to net income (ytd only)* | 30.8370% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,375 |
| Loan loss allowance to noncurrent loans | 262.9630% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 5,483 |
| Noncurrent loans to loans | 0.3828% | 6,233 |
| Net loans and leases to total assets | 72.2005% | 1,680 |
| Net loans and leases to deposits | 84.3674% | 1,973 |
| Net loans and leases to core deposits | 103.3467% | 1,104 |
| Total domestic deposits to total assets | 85.5788% | 3,738 |
| Equity capital to assets | 9.1118% | 5,024 |
| Core capital (leverage) ratio | 8.9576% | 4,681 |
| Tier 1 risk-based capital ratio | 12.6737% | 5,094 |
| Total risk-based capital ratio | 13.7220% | 5,266 |
| Memoranda: | ||
| Average total assets | $76,828,500 | 5,677 |
| Average earning assets | $72,014,500 | 5,602 |
| Average equity | $6,865,000 | 5,970 |
| Average total loans | $56,998,000 | 5,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5020% | 318 |
| Cost of funding earning assets | 1.6951% | 1,625 |
| Net interest margin | 4.8069% | 660 |
| Noninterest income to average assets | 0.5464% | 3,845 |
| Noninterest expense to average assets | 3.4864% | 2,213 |
| Loan and lease loss provision to assets | 0.3813% | 3,828 |
| Net operating income to assets | 1.1818% | 1,456 |
| Return on assets (ROA) | 1.3377% | 1,155 |
| Pretax return on assets | 1.3377% | 1,834 |
| Return on Equity (ROE) | 15.4379% | 655 |
| Retained earnings to average equity (ytd only) | 8.6640% | 793 |
| Net charge-offs to loans | 0.7271% | 2,837 |
| Credit loss provision to net charge-offs | 69.9519% | 5,866 |
| Earnings coverage of net charge-offs (x) | 2.8678% | 3,639 |
| Efficiency ratio | 69.0451% | 4,370 |
| Assets per employee ($millions) | 3.6326% | 4,627 |
| Cash dividends to net income (ytd only)* | 43.8786% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,752 |
| Loan loss allowance to noncurrent loans | 263.9175% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,841 |
| Noncurrent loans to loans | 0.3370% | 6,380 |
| Net loans and leases to total assets | 74.7893% | 1,522 |
| Net loans and leases to deposits | 90.2366% | 1,492 |
| Net loans and leases to core deposits | 111.2860% | 854 |
| Total domestic deposits to total assets | 82.8813% | 4,846 |
| Equity capital to assets | 8.7566% | 5,500 |
| Core capital (leverage) ratio | 8.7573% | 4,920 |
| Tier 1 risk-based capital ratio | 12.2510% | 5,256 |
| Total risk-based capital ratio | 13.1859% | 5,514 |
| Memoranda: | ||
| Average total assets | $76,324,400 | 5,702 |
| Average earning assets | $71,501,400 | 5,619 |
| Average equity | $6,613,600 | 6,164 |
| Average total loans | $57,217,200 | 5,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4652% | 367 |
| Cost of funding earning assets | 1.8299% | 1,303 |
| Net interest margin | 4.6353% | 966 |
| Noninterest income to average assets | 0.5362% | 3,902 |
| Noninterest expense to average assets | 3.3903% | 2,324 |
| Loan and lease loss provision to assets | 0.3441% | 3,862 |
| Net operating income to assets | 1.1423% | 1,757 |
| Return on assets (ROA) | 1.3502% | 1,298 |
| Pretax return on assets | 1.3502% | 2,030 |
| Return on Equity (ROE) | 15.6229% | 760 |
| Retained earnings to average equity (ytd only) | 11.2574% | 568 |
| Net charge-offs to loans | 0.4201% | 3,610 |
| Credit loss provision to net charge-offs | 109.4444% | 3,881 |
| Earnings coverage of net charge-offs (x) | 4.7279% | 2,944 |
| Efficiency ratio | 69.5201% | 4,170 |
| Assets per employee ($millions) | 3.6536% | 4,606 |
| Cash dividends to net income (ytd only)* | 27.9428% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,763 |
| Loan loss allowance to noncurrent loans | 235.2518% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 5,828 |
| Noncurrent loans to loans | 0.4845% | 6,225 |
| Net loans and leases to total assets | 73.9251% | 1,821 |
| Net loans and leases to deposits | 87.8928% | 2,025 |
| Net loans and leases to core deposits | 92.3988% | 2,741 |
| Total domestic deposits to total assets | 84.1082% | 4,053 |
| Equity capital to assets | 9.2343% | 5,254 |
| Core capital (leverage) ratio | 8.7146% | 5,158 |
| Tier 1 risk-based capital ratio | 11.7933% | 5,646 |
| Total risk-based capital ratio | 12.9459% | 5,709 |
| Memoranda: | ||
| Average total assets | $76,334,250 | 5,758 |
| Average earning assets | $71,478,000 | 5,685 |
| Average equity | $6,597,000 | 6,240 |
| Average total loans | $57,130,250 | 5,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4543% | 368 |
| Cost of funding earning assets | 1.8805% | 1,305 |
| Net interest margin | 4.5738% | 1,054 |
| Noninterest income to average assets | 0.5223% | 3,938 |
| Noninterest expense to average assets | 3.3752% | 2,330 |
| Loan and lease loss provision to assets | 0.3018% | 3,981 |
| Net operating income to assets | 1.1285% | 1,768 |
| Return on assets (ROA) | 1.3411% | 1,283 |
| Pretax return on assets | 1.3411% | 1,971 |
| Return on Equity (ROE) | 15.8835% | 715 |
| Retained earnings to average equity (ytd only) | 11.4697% | 573 |
| Net charge-offs to loans | 0.1998% | 4,412 |
| Credit loss provision to net charge-offs | 201.7544% | 1,936 |
| Earnings coverage of net charge-offs (x) | 9.5614% | 2,006 |
| Efficiency ratio | 70.2348% | 4,146 |
| Assets per employee ($millions) | 4.0731% | 3,623 |
| Cash dividends to net income (ytd only)* | 27.7886% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,471 |
| Loan loss allowance to noncurrent loans | 202.6239% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 5,514 |
| Noncurrent loans to loans | 0.5908% | 6,064 |
| Net loans and leases to total assets | 74.1229% | 1,883 |
| Net loans and leases to deposits | 86.3731% | 2,455 |
| Net loans and leases to core deposits | 91.0437% | 3,118 |
| Total domestic deposits to total assets | 85.8171% | 3,193 |
| Equity capital to assets | 8.4896% | 6,172 |
| Core capital (leverage) ratio | 8.3702% | 5,631 |
| Tier 1 risk-based capital ratio | 11.3630% | 5,895 |
| Total risk-based capital ratio | 12.5771% | 5,901 |
| Memoranda: | ||
| Average total assets | $76,204,000 | 5,799 |
| Average earning assets | $71,363,670 | 5,727 |
| Average equity | $6,434,330 | 6,322 |
| Average total loans | $57,049,330 | 5,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4043% | 431 |
| Cost of funding earning assets | 1.9343% | 1,311 |
| Net interest margin | 4.4700% | 1,210 |
| Noninterest income to average assets | 0.5502% | 3,649 |
| Noninterest expense to average assets | 3.5444% | 1,863 |
| Loan and lease loss provision to assets | 0.1852% | 4,655 |
| Net operating income to assets | 0.9893% | 2,225 |
| Return on assets (ROA) | 1.0210% | 2,167 |
| Pretax return on assets | 1.0210% | 3,007 |
| Return on Equity (ROE) | 12.1260% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.2881% | 2,018 |
| Net charge-offs to loans | 0.3891% | 2,879 |
| Credit loss provision to net charge-offs | 63.6364% | 4,234 |
| Earnings coverage of net charge-offs (x) | 4.0364% | 2,719 |
| Efficiency ratio | 75.1121% | 3,381 |
| Assets per employee ($millions) | 4.2819% | 3,320 |
| Cash dividends to net income (ytd only)* | 39.8964% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 6,122 |
| Loan loss allowance to noncurrent loans | 134.7162% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 4,926 |
| Noncurrent loans to loans | 0.7982% | 5,720 |
| Net loans and leases to total assets | 73.6474% | 2,045 |
| Net loans and leases to deposits | 86.6121% | 2,483 |
| Net loans and leases to core deposits | 91.3484% | 3,191 |
| Total domestic deposits to total assets | 85.0313% | 3,662 |
| Equity capital to assets | 8.3867% | 6,173 |
| Core capital (leverage) ratio | 8.2092% | 5,896 |
| Tier 1 risk-based capital ratio | 11.0936% | 6,067 |
| Total risk-based capital ratio | 12.1885% | 6,194 |
| Memoranda: | ||
| Average total assets | $75,611,500 | 5,889 |
| Average earning assets | $70,515,000 | 5,832 |
| Average equity | $6,366,500 | 6,396 |
| Average total loans | $56,545,000 | 5,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8479% | 351 |
| Cost of funding earning assets | 2.3273% | 1,548 |
| Net interest margin | 4.5206% | 1,138 |
| Noninterest income to average assets | 0.6378% | 3,367 |
| Noninterest expense to average assets | 3.5767% | 2,203 |
| Loan and lease loss provision to assets | 0.3932% | 4,436 |
| Net operating income to assets | 0.9179% | 2,116 |
| Return on assets (ROA) | 1.0409% | 1,745 |
| Pretax return on assets | 1.0409% | 2,455 |
| Return on Equity (ROE) | 11.9620% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.1282% | 2,326 |
| Net charge-offs to loans | 0.3451% | 4,507 |
| Credit loss provision to net charge-offs | 140.4040% | 3,462 |
| Earnings coverage of net charge-offs (x) | 4.6818% | 2,852 |
| Efficiency ratio | 73.1771% | 4,055 |
| Assets per employee ($millions) | 3.7075% | 4,502 |
| Cash dividends to net income (ytd only)* | 65.4891% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,673 |
| Loan loss allowance to noncurrent loans | 85.3887% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 4,231 |
| Noncurrent loans to loans | 1.3391% | 4,686 |
| Net loans and leases to total assets | 74.2734% | 2,208 |
| Net loans and leases to deposits | 87.6010% | 2,629 |
| Net loans and leases to core deposits | 131.2606% | 1,213 |
| Total domestic deposits to total assets | 84.7860% | 3,661 |
| Equity capital to assets | 8.4546% | 5,961 |
| Core capital (leverage) ratio | 8.3297% | 5,556 |
| Tier 1 risk-based capital ratio | 11.3748% | 5,539 |
| Total risk-based capital ratio | 12.5556% | 5,556 |
| Memoranda: | ||
| Average total assets | $70,708,600 | 5,981 |
| Average earning assets | $66,472,800 | 5,919 |
| Average equity | $6,152,800 | 6,546 |
| Average total loans | $57,372,400 | 5,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9136% | 346 |
| Cost of funding earning assets | 2.3969% | 1,645 |
| Net interest margin | 4.5167% | 1,154 |
| Noninterest income to average assets | 0.6948% | 3,048 |
| Noninterest expense to average assets | 3.6192% | 1,985 |
| Loan and lease loss provision to assets | 0.2863% | 4,683 |
| Net operating income to assets | 1.0518% | 1,891 |
| Return on assets (ROA) | 1.1491% | 1,658 |
| Pretax return on assets | 1.1491% | 2,419 |
| Return on Equity (ROE) | 13.1072% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.7293% | 1,223 |
| Net charge-offs to loans | 0.2307% | 4,615 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 7.0100% | 2,494 |
| Efficiency ratio | 73.0073% | 4,053 |
| Assets per employee ($millions) | 3.4444% | 5,064 |
| Cash dividends to net income (ytd only)* | 41.0303% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,044 |
| Loan loss allowance to noncurrent loans | 118.5547% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 4,904 |
| Noncurrent loans to loans | 0.8802% | 5,532 |
| Net loans and leases to total assets | 79.5750% | 1,266 |
| Net loans and leases to deposits | 96.3105% | 1,534 |
| Net loans and leases to core deposits | 139.3680% | 943 |
| Total domestic deposits to total assets | 82.6234% | 4,390 |
| Equity capital to assets | 8.8576% | 5,695 |
| Core capital (leverage) ratio | 8.7406% | 5,062 |
| Tier 1 risk-based capital ratio | 11.3855% | 5,551 |
| Total risk-based capital ratio | 12.4968% | 5,642 |
| Memoranda: | ||
| Average total assets | $69,848,500 | 6,044 |
| Average earning assets | $65,917,000 | 5,966 |
| Average equity | $6,123,750 | 6,624 |
| Average total loans | $57,788,000 | 5,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9394% | 355 |
| Cost of funding earning assets | 2.4707% | 1,712 |
| Net interest margin | 4.4687% | 1,249 |
| Noninterest income to average assets | 0.6925% | 3,033 |
| Noninterest expense to average assets | 3.7062% | 1,830 |
| Loan and lease loss provision to assets | 0.2608% | 4,491 |
| Net operating income to assets | 0.9446% | 2,297 |
| Return on assets (ROA) | 1.0258% | 2,102 |
| Pretax return on assets | 1.0258% | 2,903 |
| Return on Equity (ROE) | 11.7426% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.9376% | 2,049 |
| Net charge-offs to loans | 0.2255% | 4,086 |
| Credit loss provision to net charge-offs | 138.4615% | 3,376 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,625 |
| Efficiency ratio | 75.4572% | 3,794 |
| Assets per employee ($millions) | 3.5131% | 4,789 |
| Cash dividends to net income (ytd only)* | 49.4350% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,338 |
| Loan loss allowance to noncurrent loans | 178.5276% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 5,178 |
| Noncurrent loans to loans | 0.5533% | 6,162 |
| Net loans and leases to total assets | 83.0318% | 784 |
| Net loans and leases to deposits | 99.3833% | 1,346 |
| Net loans and leases to core deposits | 145.0029% | 801 |
| Total domestic deposits to total assets | 83.5471% | 3,990 |
| Equity capital to assets | 8.7018% | 5,749 |
| Core capital (leverage) ratio | 8.6978% | 5,092 |
| Tier 1 risk-based capital ratio | 10.8773% | 6,004 |
| Total risk-based capital ratio | 11.9278% | 6,139 |
| Memoranda: | ||
| Average total assets | $69,020,330 | 6,110 |
| Average earning assets | $65,163,670 | 6,040 |
| Average equity | $6,029,330 | 6,702 |
| Average total loans | $57,662,000 | 5,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1235% | 275 |
| Cost of funding earning assets | 2.5219% | 1,835 |
| Net interest margin | 4.6016% | 936 |
| Noninterest income to average assets | 0.6842% | 2,977 |
| Noninterest expense to average assets | 3.7953% | 1,479 |
| Loan and lease loss provision to assets | 0.3509% | 3,211 |
| Net operating income to assets | 0.8596% | 2,877 |
| Return on assets (ROA) | 0.9181% | 2,763 |
| Pretax return on assets | 0.9181% | 3,648 |
| Return on Equity (ROE) | 10.4894% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.4117% | 2,895 |
| Net charge-offs to loans | -0.0070% | 7,225 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8178% | 3,522 |
| Assets per employee ($millions) | 3.5969% | 4,570 |
| Cash dividends to net income (ytd only)* | 48.4076% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,599 |
| Loan loss allowance to noncurrent loans | 115.9475% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 4,126 |
| Noncurrent loans to loans | 0.9336% | 5,132 |
| Net loans and leases to total assets | 82.6312% | 911 |
| Net loans and leases to deposits | 101.3733% | 1,247 |
| Net loans and leases to core deposits | 152.7110% | 626 |
| Total domestic deposits to total assets | 81.5118% | 4,744 |
| Equity capital to assets | 8.8556% | 5,545 |
| Core capital (leverage) ratio | 8.6167% | 5,306 |
| Tier 1 risk-based capital ratio | 11.0142% | 5,900 |
| Total risk-based capital ratio | 12.1658% | 5,888 |
| Memoranda: | ||
| Average total assets | $68,400,000 | 6,165 |
| Average earning assets | $64,238,000 | 6,098 |
| Average equity | $5,987,000 | 6,766 |
| Average total loans | $57,032,500 | 5,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6438% | 312 |
| Cost of funding earning assets | 3.0517% | 1,680 |
| Net interest margin | 4.5921% | 1,204 |
| Noninterest income to average assets | 0.6575% | 3,418 |
| Noninterest expense to average assets | 3.5547% | 2,254 |
| Loan and lease loss provision to assets | 0.2095% | 4,797 |
| Net operating income to assets | 1.2072% | 1,746 |
| Return on assets (ROA) | 1.2224% | 1,650 |
| Pretax return on assets | 1.2224% | 2,574 |
| Return on Equity (ROE) | 14.0813% | 1,087 |
| Retained earnings to average equity (ytd only) | 3.9358% | 2,675 |
| Net charge-offs to loans | 0.3930% | 2,851 |
| Credit loss provision to net charge-offs | 64.1860% | 6,174 |
| Earnings coverage of net charge-offs (x) | 4.3395% | 4,011 |
| Efficiency ratio | 71.5027% | 4,035 |
| Assets per employee ($millions) | 3.4230% | 4,875 |
| Cash dividends to net income (ytd only)* | 72.0497% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,224 |
| Loan loss allowance to noncurrent loans | 88.6943% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4563% | 3,305 |
| Noncurrent loans to loans | 1.1022% | 4,355 |
| Net loans and leases to total assets | 82.4128% | 1,146 |
| Net loans and leases to deposits | 102.2398% | 1,563 |
| Net loans and leases to core deposits | 159.7865% | 579 |
| Total domestic deposits to total assets | 80.6074% | 4,803 |
| Equity capital to assets | 8.6504% | 5,869 |
| Core capital (leverage) ratio | 8.7100% | 5,177 |
| Tier 1 risk-based capital ratio | 10.8185% | 5,889 |
| Total risk-based capital ratio | 11.8551% | 5,998 |
| Memoranda: | ||
| Average total assets | $65,855,600 | 6,166 |
| Average earning assets | $61,866,800 | 6,092 |
| Average equity | $5,716,800 | 6,910 |
| Average total loans | $54,714,200 | 5,499 |