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Citizens State Bank, Performance and Condition Ratios

2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6170%6,372
Cost of funding earning assets0.4081%3,701
Net interest margin2.2089%6,384
Noninterest income to average assets0.5998%2,874
Noninterest expense to average assets2.1787%5,394
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.2405%5,752
Return on assets (ROA)0.3121%5,622
Pretax return on assets0.4009%5,572
Return on Equity (ROE)1.4786%5,952
Retained earnings to average equity (ytd only)1.4786%5,304
Net charge-offs to loans-0.1325%6,210
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.5769%1,039
Assets per employee ($millions)5.1780%2,039
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.3053%267
Loan loss allowance to noncurrent loans169.0909%2,470
Noncurrent assets plus other real estate owned to assets0.3983%4,723
Noncurrent loans to loans1.9547%1,629
Net loans and leases to total assets19.7036%6,452
Net loans and leases to deposits26.3469%6,424
Net loans and leases to core deposits26.7852%6,427
Total domestic deposits to total assets74.7851%5,942
Equity capital to assets22.9505%132
Core capital (leverage) ratio14.6419%688
Tier 1 risk-based capital ratio41.4959%215
Total risk-based capital ratio42.7536%214
Memoranda:
Average total assets$43,571,5006,009
Average earning assets$37,243,0006,080
Average equity$9,197,7504,960
Average total loans$9,055,5006,409
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7044%6,390
Cost of funding earning assets0.4120%3,748
Net interest margin2.2924%6,411
Noninterest income to average assets0.5780%2,943
Noninterest expense to average assets2.1406%5,538
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.3161%5,512
Return on assets (ROA)0.4245%5,202
Pretax return on assets0.5329%5,182
Return on Equity (ROE)2.0671%5,823
Retained earnings to average equity (ytd only)2.0671%4,861
Net charge-offs to loans-0.0864%6,098
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.3416%1,463
Assets per employee ($millions)5.4065%1,778
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans3.2697%285
Loan loss allowance to noncurrent loans158.3815%2,600
Noncurrent assets plus other real estate owned to assets0.4000%4,814
Noncurrent loans to loans2.0644%1,624
Net loans and leases to total assets18.7413%6,528
Net loans and leases to deposits25.9492%6,492
Net loans and leases to core deposits26.3773%6,489
Total domestic deposits to total assets72.2232%6,238
Equity capital to assets21.9319%149
Core capital (leverage) ratio14.1508%791
Tier 1 risk-based capital ratio39.3371%254
Total risk-based capital ratio40.5941%252
Memoranda:
Average total assets$44,287,3306,053
Average earning assets$37,864,6706,114
Average equity$9,094,6705,005
Average total loans$9,260,3306,470
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7140%6,451
Cost of funding earning assets0.4175%3,791
Net interest margin2.2965%6,475
Noninterest income to average assets0.5357%3,143
Noninterest expense to average assets2.1605%5,556
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.2839%5,557
Return on assets (ROA)0.5089%4,724
Pretax return on assets0.6071%4,807
Return on Equity (ROE)2.5621%5,604
Retained earnings to average equity (ytd only)2.5621%4,532
Net charge-offs to loans-0.0412%5,718
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4286%1,401
Assets per employee ($millions)4.9303%2,338
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.8422%514
Loan loss allowance to noncurrent loans351.9481%1,287
Noncurrent assets plus other real estate owned to assets0.2344%5,500
Noncurrent loans to loans0.8076%3,859
Net loans and leases to total assets20.8776%6,561
Net loans and leases to deposits30.6288%6,472
Net loans and leases to core deposits31.1500%6,476
Total domestic deposits to total assets68.1631%6,511
Equity capital to assets20.4178%195
Core capital (leverage) ratio13.7462%910
Tier 1 risk-based capital ratio35.6845%330
Total risk-based capital ratio36.9413%322
Memoranda:
Average total assets$44,805,0006,091
Average earning assets$38,319,5006,156
Average equity$8,899,0005,076
Average total loans$9,700,5006,529
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3833%6,652
Cost of funding earning assets0.4772%3,846
Net interest margin1.9061%6,666
Noninterest income to average assets0.6271%2,936
Noninterest expense to average assets2.1831%5,673
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.0468%6,137
Return on assets (ROA)0.2036%5,882
Pretax return on assets0.2644%5,814
Return on Equity (ROE)0.9381%6,092
Retained earnings to average equity (ytd only)0.5068%5,614
Net charge-offs to loans-0.2569%6,649
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.2888%575
Assets per employee ($millions)4.5237%2,863
Cash dividends to net income (ytd only)*45.9770%2,498
Condition Ratios (%)
Loss allowance to loans2.7468%643
Loan loss allowance to noncurrent loans271.0000%1,625
Noncurrent assets plus other real estate owned to assets0.2807%5,414
Noncurrent loans to loans1.0136%3,486
Net loans and leases to total assets21.2105%6,652
Net loans and leases to deposits32.1732%6,529
Net loans and leases to core deposits32.7285%6,543
Total domestic deposits to total assets65.9261%6,633
Equity capital to assets19.3160%243
Core capital (leverage) ratio13.3722%999
Tier 1 risk-based capital ratio34.3563%354
Total risk-based capital ratio35.6100%346
Memoranda:
Average total assets$42,738,2006,203
Average earning assets$36,252,6006,279
Average equity$9,274,4005,027
Average total loans$8,952,2006,621
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3157%6,749
Cost of funding earning assets0.4788%3,973
Net interest margin1.8368%6,759
Noninterest income to average assets0.6617%2,815
Noninterest expense to average assets2.1782%5,656
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.0277%6,260
Return on assets (ROA)0.2343%5,910
Pretax return on assets0.3134%5,838
Return on Equity (ROE)1.0486%6,173
Retained earnings to average equity (ytd only)1.0486%5,556
Net charge-offs to loans-0.2599%6,699
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.2857%520
Assets per employee ($millions)4.3191%3,185
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.2736%421
Loan loss allowance to noncurrent loans259.8039%1,568
Noncurrent assets plus other real estate owned to assets0.4376%5,118
Noncurrent loans to loans1.2600%3,294
Net loans and leases to total assets18.1288%6,770
Net loans and leases to deposits26.0297%6,727
Net loans and leases to core deposits26.7455%6,731
Total domestic deposits to total assets69.6465%6,612
Equity capital to assets21.0229%175
Core capital (leverage) ratio15.1370%619
Tier 1 risk-based capital ratio39.9610%241
Total risk-based capital ratio41.2172%238
Memoranda:
Average total assets$42,113,5006,294
Average earning assets$35,640,2506,364
Average equity$9,408,5005,053
Average total loans$8,723,7506,705
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4085%6,766
Cost of funding earning assets0.4930%3,961
Net interest margin1.9154%6,790
Noninterest income to average assets0.6466%2,931
Noninterest expense to average assets2.2082%5,611
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.0450%6,250
Return on assets (ROA)0.3784%5,465
Pretax return on assets0.4742%5,452
Return on Equity (ROE)1.6600%6,049
Retained earnings to average equity (ytd only)1.6600%5,189
Net charge-offs to loans-0.2687%6,734
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.4630%599
Assets per employee ($millions)4.4731%2,857
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.3656%414
Loan loss allowance to noncurrent loans243.9252%1,663
Noncurrent assets plus other real estate owned to assets0.4819%5,064
Noncurrent loans to loans1.3798%3,238
Net loans and leases to total assets18.6149%6,815
Net loans and leases to deposits23.9992%6,804
Net loans and leases to core deposits24.8788%6,800
Total domestic deposits to total assets77.5647%6,054
Equity capital to assets22.3732%128
Core capital (leverage) ratio14.9298%624
Tier 1 risk-based capital ratio41.3649%211
Total risk-based capital ratio42.6267%212
Memoranda:
Average total assets$41,754,3306,352
Average earning assets$35,292,3306,427
Average equity$9,518,0005,052
Average total loans$8,933,3306,745
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5173%6,807
Cost of funding earning assets0.5101%3,970
Net interest margin2.0072%6,836
Noninterest income to average assets0.6306%2,978
Noninterest expense to average assets2.2681%5,508
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.0376%6,283
Return on assets (ROA)0.0376%6,365
Pretax return on assets0.0659%6,311
Return on Equity (ROE)0.1637%6,396
Retained earnings to average equity (ytd only)0.1637%5,730
Net charge-offs to loans-0.2940%6,774
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.1774%672
Assets per employee ($millions)4.7037%2,647
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.6458%972
Loan loss allowance to noncurrent loans1,159.0909%412
Noncurrent assets plus other real estate owned to assets0.2575%5,795
Noncurrent loans to loans0.2283%5,843
Net loans and leases to total assets22.1647%6,817
Net loans and leases to deposits28.8379%6,771
Net loans and leases to core deposits29.8508%6,768
Total domestic deposits to total assets76.8597%6,262
Equity capital to assets23.0789%126
Core capital (leverage) ratio14.0890%772
Tier 1 risk-based capital ratio37.4966%278
Total risk-based capital ratio38.7524%274
Memoranda:
Average total assets$42,502,5006,389
Average earning assets$36,070,0006,466
Average equity$9,773,5005,044
Average total loans$9,522,5006,799
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9592%6,789
Cost of funding earning assets0.5562%4,760
Net interest margin2.4030%6,779
Noninterest income to average assets0.6873%2,786
Noninterest expense to average assets2.3575%5,539
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.2534%5,622
Return on assets (ROA)0.8500%3,295
Pretax return on assets1.2211%2,723
Return on Equity (ROE)3.7818%5,237
Retained earnings to average equity (ytd only)0.7237%5,507
Net charge-offs to loans-0.0715%6,775
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4706%1,385
Assets per employee ($millions)4.2672%3,423
Cash dividends to net income (ytd only)*80.8625%974
Condition Ratios (%)
Loss allowance to loans2.6363%985
Loan loss allowance to noncurrent loans1,078.2609%437
Noncurrent assets plus other real estate owned to assets0.2578%5,900
Noncurrent loans to loans0.2445%5,869
Net loans and leases to total assets21.4637%6,908
Net loans and leases to deposits27.8618%6,878
Net loans and leases to core deposits28.8291%6,867
Total domestic deposits to total assets77.0365%6,218
Equity capital to assets22.9120%128
Core capital (leverage) ratio14.3026%721
Tier 1 risk-based capital ratio38.1275%272
Total risk-based capital ratio39.3842%266
Memoranda:
Average total assets$43,648,0006,381
Average earning assets$37,037,6006,469
Average equity$9,810,2005,020
Average total loans$8,391,8006,904
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0311%6,890
Cost of funding earning assets0.5654%4,955
Net interest margin2.4656%6,850
Noninterest income to average assets0.6835%2,795
Noninterest expense to average assets2.2600%5,792
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.3631%5,394
Return on assets (ROA)1.0662%2,441
Pretax return on assets1.5067%1,857
Return on Equity (ROE)4.7664%4,938
Retained earnings to average equity (ytd only)2.0505%5,297
Net charge-offs to loans-0.0163%6,457
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.4004%1,885
Assets per employee ($millions)3.8272%4,239
Cash dividends to net income (ytd only)*56.9798%1,392
Condition Ratios (%)
Loss allowance to loans3.2054%592
Loan loss allowance to noncurrent loans783.8710%531
Noncurrent assets plus other real estate owned to assets1.0262%4,237
Noncurrent loans to loans0.4089%5,635
Net loans and leases to total assets17.4303%7,055
Net loans and leases to deposits22.9384%7,050
Net loans and leases to core deposits23.5283%7,054
Total domestic deposits to total assets75.9876%6,378
Equity capital to assets23.7559%120
Core capital (leverage) ratio14.4640%713
Tier 1 risk-based capital ratio43.0837%196
Total risk-based capital ratio44.3434%191
Memoranda:
Average total assets$43,892,0006,451
Average earning assets$37,257,7506,539
Average equity$9,818,5005,069
Average total loans$8,138,0007,004
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1617%6,902
Cost of funding earning assets0.5816%5,058
Net interest margin2.5801%6,836
Noninterest income to average assets0.7193%2,555
Noninterest expense to average assets2.2432%5,897
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.5096%4,775
Return on assets (ROA)0.8991%3,183
Pretax return on assets1.1823%3,008
Return on Equity (ROE)4.0993%5,217
Retained earnings to average equity (ytd only)2.0497%5,178
Net charge-offs to loans-0.0961%6,851
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0062%2,588
Assets per employee ($millions)4.2988%3,260
Cash dividends to net income (ytd only)*50.0000%1,735
Condition Ratios (%)
Loss allowance to loans3.2591%614
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0003%4,375
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets16.9861%7,121
Net loans and leases to deposits22.1414%7,110
Net loans and leases to core deposits22.6925%7,115
Total domestic deposits to total assets76.7168%6,375
Equity capital to assets23.0320%130
Core capital (leverage) ratio13.5582%959
Tier 1 risk-based capital ratio44.2492%178
Total risk-based capital ratio45.5066%175
Memoranda:
Average total assets$44,489,6706,477
Average earning assets$37,827,6706,561
Average equity$9,757,6705,087
Average total loans$8,323,6707,063
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1505%6,979
Cost of funding earning assets0.6115%5,043
Net interest margin2.5391%6,924
Noninterest income to average assets0.8311%2,026
Noninterest expense to average assets2.1662%6,123
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.7027%3,872
Return on assets (ROA)0.9107%3,089
Pretax return on assets1.0787%3,404
Return on Equity (ROE)4.2536%5,161
Retained earnings to average equity (ytd only)4.2536%4,037
Net charge-offs to loans-0.0918%6,758
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2714%3,384
Assets per employee ($millions)4.6349%2,756
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.7193%1,092
Loan loss allowance to noncurrent loans1,016.6667%387
Noncurrent assets plus other real estate owned to assets0.9795%4,546
Noncurrent loans to loans0.2675%6,152
Net loans and leases to total assets18.8332%7,158
Net loans and leases to deposits23.8595%7,144
Net loans and leases to core deposits24.3929%7,150
Total domestic deposits to total assets78.9337%6,093
Equity capital to assets20.9584%184
Core capital (leverage) ratio13.5814%913
Tier 1 risk-based capital ratio37.1349%284
Total risk-based capital ratio38.3924%280
Memoranda:
Average total assets$45,240,5006,501
Average earning assets$38,596,5006,579
Average equity$9,686,0005,123
Average total loans$8,711,5007,111
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2257%7,114
Cost of funding earning assets0.7024%5,524
Net interest margin2.5233%7,046
Noninterest income to average assets0.6806%2,719
Noninterest expense to average assets2.5994%5,095
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.1325%5,781
Return on assets (ROA)0.3893%5,080
Pretax return on assets0.5400%4,873
Return on Equity (ROE)1.6147%5,808
Retained earnings to average equity (ytd only)0.0000%5,828
Net charge-offs to loans0.2201%4,410
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)3.6500%3,439
Efficiency ratio93.4116%961
Assets per employee ($millions)4.4132%3,046
Cash dividends to net income (ytd only)*100.0000%322
Condition Ratios (%)
Loss allowance to loans2.8639%919
Loan loss allowance to noncurrent loans1,008.3333%395
Noncurrent assets plus other real estate owned to assets1.0287%4,553
Noncurrent loans to loans0.2840%6,158
Net loans and leases to total assets18.5987%7,224
Net loans and leases to deposits23.8362%7,213
Net loans and leases to core deposits24.0457%7,214
Total domestic deposits to total assets78.0273%6,185
Equity capital to assets21.8843%158
Core capital (leverage) ratio14.6870%668
Tier 1 risk-based capital ratio38.6713%255
Total risk-based capital ratio39.9268%249
Memoranda:
Average total assets$39,816,8006,682
Average earning assets$33,170,6006,777
Average equity$9,599,2005,122
Average total loans$9,088,2007,144
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2880%7,183
Cost of funding earning assets0.7357%5,556
Net interest margin2.5523%7,108
Noninterest income to average assets0.7125%2,528
Noninterest expense to average assets2.6502%4,904
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.1344%5,876
Return on assets (ROA)0.4887%4,778
Pretax return on assets0.6299%4,716
Return on Equity (ROE)1.9754%5,785
Retained earnings to average equity (ytd only)0.9320%5,630
Net charge-offs to loans0.3460%3,367
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)2.1250%4,074
Efficiency ratio93.7881%928
Assets per employee ($millions)3.6740%4,587
Cash dividends to net income (ytd only)*52.8178%1,467
Condition Ratios (%)
Loss allowance to loans2.6969%1,132
Loan loss allowance to noncurrent loans991.6667%366
Noncurrent assets plus other real estate owned to assets1.1234%4,532
Noncurrent loans to loans0.2720%6,324
Net loans and leases to total assets21.2476%7,268
Net loans and leases to deposits28.1043%7,241
Net loans and leases to core deposits28.3830%7,252
Total domestic deposits to total assets75.6025%6,577
Equity capital to assets24.2515%125
Core capital (leverage) ratio15.3688%598
Tier 1 risk-based capital ratio40.5303%240
Total risk-based capital ratio41.7855%235
Memoranda:
Average total assets$38,738,0006,769
Average earning assets$32,075,0006,868
Average equity$9,584,5005,161
Average total loans$9,247,7507,210
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4597%7,184
Cost of funding earning assets0.7427%5,714
Net interest margin2.7170%7,008
Noninterest income to average assets0.7229%2,421
Noninterest expense to average assets2.6821%4,894
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.2232%5,652
Return on assets (ROA)0.7386%3,464
Pretax return on assets0.9272%3,522
Return on Equity (ROE)2.9646%5,404
Retained earnings to average equity (ytd only)2.4389%4,732
Net charge-offs to loans0.5965%2,327
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)1.9286%3,898
Efficiency ratio90.4594%1,209
Assets per employee ($millions)3.5324%4,850
Cash dividends to net income (ytd only)*17.7305%2,938
Condition Ratios (%)
Loss allowance to loans2.5822%1,331
Loan loss allowance to noncurrent loans975.0000%382
Noncurrent assets plus other real estate owned to assets1.1324%4,626
Noncurrent loans to loans0.2648%6,395
Net loans and leases to total assets22.7198%7,337
Net loans and leases to deposits30.3817%7,303
Net loans and leases to core deposits30.7018%7,311
Total domestic deposits to total assets74.7812%6,756
Equity capital to assets25.0540%124
Core capital (leverage) ratio16.2241%479
Tier 1 risk-based capital ratio41.8663%215
Total risk-based capital ratio43.1211%215
Memoranda:
Average total assets$38,179,3306,856
Average earning assets$31,505,6706,950
Average equity$9,512,3305,181
Average total loans$9,388,6707,273
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3718%7,283
Cost of funding earning assets0.7722%5,738
Net interest margin2.5997%7,126
Noninterest income to average assets0.6554%2,807
Noninterest expense to average assets2.6426%5,072
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.1205%6,038
Return on assets (ROA)0.3805%5,111
Pretax return on assets0.4651%5,139
Return on Equity (ROE)1.5318%5,970
Retained earnings to average equity (ytd only)1.5318%5,194
Net charge-offs to loans-0.1675%7,225
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.6970%1,001
Assets per employee ($millions)3.4579%5,101
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.7746%1,137
Loan loss allowance to noncurrent loans359.4595%869
Noncurrent assets plus other real estate owned to assets1.2882%4,388
Noncurrent loans to loans0.7719%5,488
Net loans and leases to total assets24.5051%7,366
Net loans and leases to deposits32.6286%7,301
Net loans and leases to core deposits32.9772%7,329
Total domestic deposits to total assets75.1032%6,776
Equity capital to assets24.7864%121
Core capital (leverage) ratio16.1604%472
Tier 1 risk-based capital ratio40.1718%237
Total risk-based capital ratio41.4230%231
Memoranda:
Average total assets$37,841,0006,909
Average earning assets$31,081,0007,014
Average equity$9,401,0005,203
Average total loans$9,552,0007,330
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7507%7,278
Cost of funding earning assets0.9149%6,105
Net interest margin2.8358%6,985
Noninterest income to average assets0.6513%3,144
Noninterest expense to average assets2.7248%4,878
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.1756%5,361
Return on assets (ROA)0.5769%3,933
Pretax return on assets0.7842%3,686
Return on Equity (ROE)2.2188%5,299
Retained earnings to average equity (ytd only)-0.0102%5,590
Net charge-offs to loans0.8956%2,399
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)1.0225%5,091
Efficiency ratio91.8459%1,194
Assets per employee ($millions)3.4223%5,121
Cash dividends to net income (ytd only)*100.4608%371
Condition Ratios (%)
Loss allowance to loans2.7530%1,108
Loan loss allowance to noncurrent loans379.7101%822
Noncurrent assets plus other real estate owned to assets1.2884%4,453
Noncurrent loans to loans0.7250%5,599
Net loans and leases to total assets24.5849%7,461
Net loans and leases to deposits32.7727%7,416
Net loans and leases to core deposits33.4369%7,432
Total domestic deposits to total assets75.0166%6,769
Equity capital to assets24.9010%126
Core capital (leverage) ratio15.7667%537
Tier 1 risk-based capital ratio40.1400%239
Total risk-based capital ratio41.3986%233
Memoranda:
Average total assets$37,616,8006,953
Average earning assets$30,714,2007,065
Average equity$9,780,0005,193
Average total loans$9,938,0007,398
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9320%7,322
Cost of funding earning assets0.9385%6,232
Net interest margin2.9935%6,849
Noninterest income to average assets0.6558%3,091
Noninterest expense to average assets2.7049%4,862
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.3038%5,149
Return on assets (ROA)0.7941%3,188
Pretax return on assets1.0387%3,034
Return on Equity (ROE)3.0224%5,210
Retained earnings to average equity (ytd only)2.6851%4,546
Net charge-offs to loans1.2347%1,655
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)1.1935%4,873
Efficiency ratio87.2998%1,503
Assets per employee ($millions)3.8975%4,039
Cash dividends to net income (ytd only)*11.1598%3,285
Condition Ratios (%)
Loss allowance to loans2.8559%951
Loan loss allowance to noncurrent loans379.4118%784
Noncurrent assets plus other real estate owned to assets1.2418%4,669
Noncurrent loans to loans0.7527%5,698
Net loans and leases to total assets22.5170%7,585
Net loans and leases to deposits30.3269%7,557
Net loans and leases to core deposits30.9254%7,568
Total domestic deposits to total assets74.2476%6,892
Equity capital to assets25.5446%131
Core capital (leverage) ratio16.2542%521
Tier 1 risk-based capital ratio41.8088%217
Total risk-based capital ratio43.0655%214
Memoranda:
Average total assets$37,609,7507,031
Average earning assets$30,687,5007,145
Average equity$9,881,5005,234
Average total loans$10,043,2507,493
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2183%7,149
Cost of funding earning assets0.9735%6,266
Net interest margin3.2449%6,182
Noninterest income to average assets0.6675%2,912
Noninterest expense to average assets2.7022%4,896
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.4767%4,432
Return on assets (ROA)0.7105%3,517
Pretax return on assets0.8989%3,494
Return on Equity (ROE)2.6784%5,385
Retained earnings to average equity (ytd only)2.6784%4,442
Net charge-offs to loans0.7900%2,271
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)2.7317%3,625
Efficiency ratio81.7590%2,204
Assets per employee ($millions)3.7792%4,272
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.1475%737
Loan loss allowance to noncurrent loans1,240.0000%282
Noncurrent assets plus other real estate owned to assets0.9367%5,255
Noncurrent loans to loans0.2538%6,725
Net loans and leases to total assets25.2408%7,622
Net loans and leases to deposits34.4916%7,569
Net loans and leases to core deposits34.8190%7,589
Total domestic deposits to total assets73.1795%7,074
Equity capital to assets26.4500%119
Core capital (leverage) ratio16.4091%514
Tier 1 risk-based capital ratio40.8221%238
Total risk-based capital ratio42.0862%230
Memoranda:
Average total assets$37,154,6707,105
Average earning assets$30,201,6707,221
Average equity$9,856,6705,244
Average total loans$10,379,6707,533
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3829%7,022
Cost of funding earning assets1.0052%6,348
Net interest margin3.3776%5,679
Noninterest income to average assets0.6515%2,927
Noninterest expense to average assets2.6930%4,937
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.6298%3,759
Return on assets (ROA)0.6298%3,887
Pretax return on assets0.6950%4,251
Return on Equity (ROE)2.3705%5,603
Retained earnings to average equity (ytd only)2.3705%4,718
Net charge-offs to loans1.8037%963
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)1.3333%3,948
Efficiency ratio79.4872%2,651
Assets per employee ($millions)3.7038%4,568
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.9512%855
Loan loss allowance to noncurrent loans1,006.6667%338
Noncurrent assets plus other real estate owned to assets0.9693%5,209
Noncurrent loans to loans0.2932%6,738
Net loans and leases to total assets26.8130%7,691
Net loans and leases to deposits36.6525%7,607
Net loans and leases to core deposits37.0132%7,634
Total domestic deposits to total assets73.1546%7,145
Equity capital to assets26.5970%120
Core capital (leverage) ratio16.5367%500
Tier 1 risk-based capital ratio47.4941%170
Total risk-based capital ratio48.7580%170
Memoranda:
Average total assets$36,836,0007,205
Average earning assets$29,843,5007,330
Average equity$9,787,0005,297
Average total loans$10,645,0007,621
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5083%7,375
Cost of funding earning assets1.3048%6,289
Net interest margin3.2035%6,076
Noninterest income to average assets0.6505%3,288
Noninterest expense to average assets2.8819%4,601
Loan and lease loss provision to assets0.0823%6,786
Net operating income to assets0.1054%5,200
Return on assets (ROA)0.4391%4,090
Pretax return on assets0.7685%3,353
Return on Equity (ROE)1.6325%5,044
Retained earnings to average equity (ytd only)0.0000%4,911
Net charge-offs to loans-0.1159%7,892
Credit loss provision to net charge-offs-250.0000%7,402
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.7436%1,723
Assets per employee ($millions)3.3304%5,425
Cash dividends to net income (ytd only)*100.0000%617
Condition Ratios (%)
Loss allowance to loans3.1745%667
Loan loss allowance to noncurrent loans675.0000%512
Noncurrent assets plus other real estate owned to assets1.0400%5,021
Noncurrent loans to loans0.4703%6,314
Net loans and leases to total assets29.2242%7,729
Net loans and leases to deposits39.8630%7,630
Net loans and leases to core deposits46.9088%7,650
Total domestic deposits to total assets73.3117%7,117
Equity capital to assets26.5409%132
Core capital (leverage) ratio16.8648%511
Tier 1 risk-based capital ratio45.1462%191
Total risk-based capital ratio46.4193%190
Memoranda:
Average total assets$36,434,2007,227
Average earning assets$29,124,0007,389
Average equity$9,800,8005,355
Average total loans$10,353,8007,689
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5300%7,476
Cost of funding earning assets1.3935%6,255
Net interest margin3.1365%6,214
Noninterest income to average assets0.6523%3,334
Noninterest expense to average assets2.8730%4,557
Loan and lease loss provision to assets0.0806%6,563
Net operating income to assets0.0821%5,521
Return on assets (ROA)0.5277%3,958
Pretax return on assets0.8942%3,247
Return on Equity (ROE)1.9551%5,179
Retained earnings to average equity (ytd only)1.9551%4,236
Net charge-offs to loans-0.0917%7,918
Credit loss provision to net charge-offs-314.2857%7,245
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.1628%1,601
Assets per employee ($millions)3.5155%4,886
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.5155%415
Loan loss allowance to noncurrent loans847.5000%419
Noncurrent assets plus other real estate owned to assets1.1208%4,836
Noncurrent loans to loans0.4148%6,508
Net loans and leases to total assets26.4657%7,871
Net loans and leases to deposits37.1017%7,799
Net loans and leases to core deposits43.7856%7,802
Total domestic deposits to total assets71.3327%7,299
Equity capital to assets28.1667%135
Core capital (leverage) ratio17.5082%500
Tier 1 risk-based capital ratio53.1860%150
Total risk-based capital ratio54.4642%148
Memoranda:
Average total assets$36,384,2507,297
Average earning assets$28,991,2507,462
Average equity$9,820,2505,391
Average total loans$10,178,0007,770
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5478%7,587
Cost of funding earning assets1.4955%6,161
Net interest margin3.0524%6,393
Noninterest income to average assets0.6632%3,243
Noninterest expense to average assets2.9461%4,307
Loan and lease loss provision to assets0.0815%6,368
Net operating income to assets0.0022%5,827
Return on assets (ROA)0.6632%3,523
Pretax return on assets1.0980%2,643
Return on Equity (ROE)2.4916%5,106
Retained earnings to average equity (ytd only)2.4916%3,948
Net charge-offs to loans-0.2704%8,056
Credit loss provision to net charge-offs-107.1429%6,951
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.2548%1,425
Assets per employee ($millions)3.5669%4,649
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.2844%455
Loan loss allowance to noncurrent loans384.0909%819
Noncurrent assets plus other real estate owned to assets1.3962%4,167
Noncurrent loans to loans0.8551%5,509
Net loans and leases to total assets27.9038%7,934
Net loans and leases to deposits38.4821%7,853
Net loans and leases to core deposits45.7210%7,839
Total domestic deposits to total assets72.5111%7,184
Equity capital to assets27.0599%170
Core capital (leverage) ratio16.9064%624
Tier 1 risk-based capital ratio48.9392%192
Total risk-based capital ratio50.0843%191
Memoranda:
Average total assets$36,794,0007,347
Average earning assets$29,288,6707,516
Average equity$9,793,0005,421
Average total loans$10,356,3307,842
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8921%7,194
Cost of funding earning assets1.6084%6,000
Net interest margin3.2837%5,552
Noninterest income to average assets0.5568%3,864
Noninterest expense to average assets2.9339%4,039
Loan and lease loss provision to assets0.0857%5,860
Net operating income to assets0.1049%5,967
Return on assets (ROA)1.2742%1,545
Pretax return on assets1.9595%711
Return on Equity (ROE)4.8259%4,542
Retained earnings to average equity (ytd only)4.8259%3,221
Net charge-offs to loans-0.2695%8,050
Credit loss provision to net charge-offs-114.2857%6,225
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2559%1,550
Assets per employee ($millions)3.0357%6,057
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.0647%455
Loan loss allowance to noncurrent loans514.2857%682
Noncurrent assets plus other real estate owned to assets1.2985%4,084
Noncurrent loans to loans0.5959%5,904
Net loans and leases to total assets28.1322%7,956
Net loans and leases to deposits38.9732%7,875
Net loans and leases to core deposits46.6879%7,855
Total domestic deposits to total assets72.1835%7,181
Equity capital to assets27.1522%182
Core capital (leverage) ratio16.5535%707
Tier 1 risk-based capital ratio42.8449%282
Total risk-based capital ratio44.1126%276
Memoranda:
Average total assets$37,356,5007,356
Average earning assets$29,844,0007,525
Average equity$9,863,5005,429
Average total loans$10,389,0007,891
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5034%7,296
Cost of funding earning assets2.2306%5,457
Net interest margin3.2728%6,126
Noninterest income to average assets0.4807%4,792
Noninterest expense to average assets2.6268%5,547
Loan and lease loss provision to assets0.0920%6,220
Net operating income to assets0.2188%5,794
Return on assets (ROA)0.4278%4,857
Pretax return on assets0.7683%4,185
Return on Equity (ROE)1.9358%5,638
Retained earnings to average equity (ytd only)1.9358%4,029
Net charge-offs to loans-0.0168%7,909
Credit loss provision to net charge-offs-2,000.0000%7,474
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.1150%2,166
Assets per employee ($millions)3.1904%5,509
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans3.0276%422
Loan loss allowance to noncurrent loans475.3846%897
Noncurrent assets plus other real estate owned to assets1.7135%2,843
Noncurrent loans to loans0.6369%5,451
Net loans and leases to total assets25.8509%8,073
Net loans and leases to deposits35.1231%8,041
Net loans and leases to core deposits42.7498%8,013
Total domestic deposits to total assets73.6006%6,718
Equity capital to assets25.6915%252
Core capital (leverage) ratio15.0879%1,011
Tier 1 risk-based capital ratio41.1293%312
Total risk-based capital ratio42.3960%303
Memoranda:
Average total assets$43,475,2007,057
Average earning assets$35,596,2007,260
Average equity$9,608,2005,532
Average total loans$11,904,2007,835