Home > Citizens State Bank of Shakopee > Performance and Condition Ratios
Citizens State Bank of Shakopee, 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 | 4.0613% | 5,324 |
| Cost of funding earning assets | 0.4553% | 5,758 |
| Net interest margin | 3.6060% | 4,213 |
| Noninterest income to average assets | 0.4974% | 3,949 |
| Noninterest expense to average assets | 3.6918% | 1,377 |
| Loan and lease loss provision to assets | 0.1530% | 3,616 |
| Net operating income to assets | -0.2168% | 6,510 |
| Return on assets (ROA) | -0.2168% | 6,580 |
| Pretax return on assets | -0.2168% | 6,551 |
| Return on Equity (ROE) | -2.5261% | 6,604 |
| Retained earnings to average equity (ytd only) | -2.5261% | 6,450 |
| Net charge-offs to loans | -0.0504% | 6,713 |
| Credit loss provision to net charge-offs | -480.0000% | 6,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7575% | 490 |
| Assets per employee ($millions) | 4.1508% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,181 |
| Loan loss allowance to noncurrent loans | 64.4000% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.8910% | 1,811 |
| Noncurrent loans to loans | 1.8977% | 2,966 |
| Net loans and leases to total assets | 62.7012% | 3,259 |
| Net loans and leases to deposits | 69.5548% | 3,957 |
| Net loans and leases to core deposits | 73.3085% | 4,072 |
| Total domestic deposits to total assets | 90.1465% | 769 |
| Equity capital to assets | 9.1163% | 5,690 |
| Core capital (leverage) ratio | 9.0950% | 4,923 |
| Tier 1 risk-based capital ratio | 12.4629% | 5,671 |
| Total risk-based capital ratio | 13.5733% | 5,725 |
| Memoranda: | ||
| Average total assets | $20,910,750 | 7,036 |
| Average earning assets | $18,154,500 | 7,026 |
| Average equity | $1,794,500 | 7,078 |
| Average total loans | $13,237,750 | 6,820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 5,329 |
| Cost of funding earning assets | 0.4697% | 5,830 |
| Net interest margin | 3.6262% | 4,161 |
| Noninterest income to average assets | 0.5629% | 3,501 |
| Noninterest expense to average assets | 3.8544% | 1,138 |
| Loan and lease loss provision to assets | 0.1908% | 3,189 |
| Net operating income to assets | -0.3148% | 6,627 |
| Return on assets (ROA) | -0.3148% | 6,684 |
| Pretax return on assets | -0.3148% | 6,649 |
| Return on Equity (ROE) | -3.7457% | 6,713 |
| Retained earnings to average equity (ytd only) | -3.7457% | 6,532 |
| Net charge-offs to loans | -0.0905% | 6,835 |
| Credit loss provision to net charge-offs | -333.3333% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3248% | 450 |
| Assets per employee ($millions) | 3.9974% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,497 |
| Loan loss allowance to noncurrent loans | 63.2000% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 3.0020% | 1,837 |
| Noncurrent loans to loans | 1.8449% | 3,155 |
| Net loans and leases to total assets | 67.0086% | 2,461 |
| Net loans and leases to deposits | 74.8672% | 3,147 |
| Net loans and leases to core deposits | 79.0707% | 3,358 |
| Total domestic deposits to total assets | 89.5032% | 1,217 |
| Equity capital to assets | 9.4712% | 5,103 |
| Core capital (leverage) ratio | 8.6573% | 5,439 |
| Tier 1 risk-based capital ratio | 12.4338% | 5,619 |
| Total risk-based capital ratio | 13.5204% | 5,721 |
| Memoranda: | ||
| Average total assets | $20,963,000 | 7,095 |
| Average earning assets | $18,311,000 | 7,084 |
| Average equity | $1,762,000 | 7,134 |
| Average total loans | $13,259,000 | 6,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 5,828 |
| Cost of funding earning assets | 0.4658% | 6,050 |
| Net interest margin | 3.5144% | 4,621 |
| Noninterest income to average assets | 0.4662% | 4,179 |
| Noninterest expense to average assets | 4.1956% | 748 |
| Loan and lease loss provision to assets | 0.2797% | 2,222 |
| Net operating income to assets | -0.9137% | 6,984 |
| Return on assets (ROA) | -0.9137% | 6,998 |
| Pretax return on assets | -0.9137% | 6,956 |
| Return on Equity (ROE) | -11.5532% | 7,020 |
| Retained earnings to average equity (ytd only) | -11.5532% | 6,885 |
| Net charge-offs to loans | -0.0610% | 6,613 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8010% | 243 |
| Assets per employee ($millions) | 4.5066% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 6,054 |
| Loan loss allowance to noncurrent loans | 59.6000% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 3.2175% | 1,798 |
| Noncurrent loans to loans | 1.7746% | 3,447 |
| Net loans and leases to total assets | 61.8604% | 3,285 |
| Net loans and leases to deposits | 67.8231% | 4,095 |
| Net loans and leases to core deposits | 71.1137% | 4,272 |
| Total domestic deposits to total assets | 91.2084% | 475 |
| Equity capital to assets | 8.3344% | 6,241 |
| Core capital (leverage) ratio | 8.5556% | 5,503 |
| Tier 1 risk-based capital ratio | 12.4126% | 5,677 |
| Total risk-based capital ratio | 13.4441% | 5,801 |
| Memoranda: | ||
| Average total assets | $21,451,000 | 7,148 |
| Average earning assets | $18,893,500 | 7,134 |
| Average equity | $1,696,500 | 7,203 |
| Average total loans | $13,113,000 | 6,933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 6,771 |
| Cost of funding earning assets | 0.6433% | 5,863 |
| Net interest margin | 3.1154% | 6,310 |
| Noninterest income to average assets | 0.8790% | 1,748 |
| Noninterest expense to average assets | 3.9860% | 1,056 |
| Loan and lease loss provision to assets | 0.2504% | 3,697 |
| Net operating income to assets | -0.6848% | 6,598 |
| Return on assets (ROA) | -0.6848% | 6,631 |
| Pretax return on assets | -0.6848% | 6,592 |
| Return on Equity (ROE) | -8.3656% | 6,689 |
| Retained earnings to average equity (ytd only) | -8.3656% | 6,638 |
| Net charge-offs to loans | -0.0825% | 7,113 |
| Credit loss provision to net charge-offs | -612.5000% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2302% | 397 |
| Assets per employee ($millions) | 3.3948% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,859 |
| Loan loss allowance to noncurrent loans | 31.5789% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 3.7704% | 1,539 |
| Noncurrent loans to loans | 3.4437% | 1,870 |
| Net loans and leases to total assets | 58.9425% | 4,205 |
| Net loans and leases to deposits | 64.0218% | 5,005 |
| Net loans and leases to core deposits | 67.4419% | 5,101 |
| Total domestic deposits to total assets | 92.0664% | 231 |
| Equity capital to assets | 7.4378% | 6,840 |
| Core capital (leverage) ratio | 7.2538% | 6,764 |
| Tier 1 risk-based capital ratio | 11.4283% | 6,203 |
| Total risk-based capital ratio | 12.4840% | 6,301 |
| Memoranda: | ||
| Average total assets | $19,568,400 | 7,211 |
| Average earning assets | $16,787,400 | 7,213 |
| Average equity | $1,601,800 | 7,273 |
| Average total loans | $9,698,600 | 7,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 6,971 |
| Cost of funding earning assets | 0.6448% | 6,059 |
| Net interest margin | 3.0146% | 6,558 |
| Noninterest income to average assets | 0.9775% | 1,402 |
| Noninterest expense to average assets | 3.9445% | 1,081 |
| Loan and lease loss provision to assets | 0.1652% | 4,410 |
| Net operating income to assets | -0.5576% | 6,668 |
| Return on assets (ROA) | -0.5576% | 6,716 |
| Pretax return on assets | -0.5576% | 6,659 |
| Return on Equity (ROE) | -6.6523% | 6,749 |
| Retained earnings to average equity (ytd only) | -6.6523% | 6,681 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0465% | 412 |
| Assets per employee ($millions) | 3.2912% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,726 |
| Loan loss allowance to noncurrent loans | 20.6250% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 3.8487% | 1,604 |
| Noncurrent loans to loans | 4.1075% | 1,612 |
| Net loans and leases to total assets | 58.6773% | 4,377 |
| Net loans and leases to deposits | 64.1477% | 5,149 |
| Net loans and leases to core deposits | 65.7754% | 5,437 |
| Total domestic deposits to total assets | 91.4721% | 305 |
| Equity capital to assets | 7.9455% | 6,729 |
| Core capital (leverage) ratio | 7.8981% | 6,486 |
| Tier 1 risk-based capital ratio | 12.0341% | 5,868 |
| Total risk-based capital ratio | 12.8380% | 6,174 |
| Memoranda: | ||
| Average total assets | $19,368,250 | 7,288 |
| Average earning assets | $16,541,250 | 7,294 |
| Average equity | $1,623,500 | 7,343 |
| Average total loans | $9,088,750 | 7,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 7,053 |
| Cost of funding earning assets | 0.6379% | 6,282 |
| Net interest margin | 3.0177% | 6,575 |
| Noninterest income to average assets | 1.0914% | 1,088 |
| Noninterest expense to average assets | 3.9497% | 1,117 |
| Loan and lease loss provision to assets | 0.1143% | 4,862 |
| Net operating income to assets | -0.4158% | 6,621 |
| Return on assets (ROA) | -0.4158% | 6,649 |
| Pretax return on assets | -0.4158% | 6,597 |
| Return on Equity (ROE) | -4.8731% | 6,706 |
| Retained earnings to average equity (ytd only) | -4.8731% | 6,557 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2621% | 512 |
| Assets per employee ($millions) | 3.0345% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,618 |
| Loan loss allowance to noncurrent loans | 18.0873% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 4.3719% | 1,446 |
| Noncurrent loans to loans | 5.0552% | 1,289 |
| Net loans and leases to total assets | 51.7823% | 5,602 |
| Net loans and leases to deposits | 57.0702% | 6,045 |
| Net loans and leases to core deposits | 58.6574% | 6,220 |
| Total domestic deposits to total assets | 90.7343% | 615 |
| Equity capital to assets | 8.8702% | 5,742 |
| Core capital (leverage) ratio | 8.6560% | 5,294 |
| Tier 1 risk-based capital ratio | 14.7622% | 3,640 |
| Total risk-based capital ratio | 15.5865% | 3,887 |
| Memoranda: | ||
| Average total assets | $19,242,000 | 7,366 |
| Average earning assets | $16,303,670 | 7,375 |
| Average equity | $1,641,670 | 7,408 |
| Average total loans | $8,223,000 | 7,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 7,135 |
| Cost of funding earning assets | 0.6291% | 6,478 |
| Net interest margin | 2.9760% | 6,618 |
| Noninterest income to average assets | 1.4170% | 639 |
| Noninterest expense to average assets | 4.0892% | 932 |
| Loan and lease loss provision to assets | 0.1012% | 4,745 |
| Net operating income to assets | -0.2834% | 6,643 |
| Return on assets (ROA) | -0.2834% | 6,659 |
| Pretax return on assets | -0.2834% | 6,610 |
| Return on Equity (ROE) | -3.3837% | 6,698 |
| Retained earnings to average equity (ytd only) | -3.3837% | 6,346 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6632% | 607 |
| Assets per employee ($millions) | 2.9858% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,555 |
| Loan loss allowance to noncurrent loans | 16.4609% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 5.3642% | 1,150 |
| Noncurrent loans to loans | 5.7597% | 1,123 |
| Net loans and leases to total assets | 46.6536% | 6,218 |
| Net loans and leases to deposits | 51.7363% | 6,495 |
| Net loans and leases to core deposits | 51.7363% | 6,695 |
| Total domestic deposits to total assets | 90.1758% | 1,042 |
| Equity capital to assets | 9.2102% | 4,856 |
| Core capital (leverage) ratio | 8.4875% | 5,482 |
| Tier 1 risk-based capital ratio | 17.2209% | 2,399 |
| Total risk-based capital ratio | 18.0548% | 2,513 |
| Memoranda: | ||
| Average total assets | $19,759,500 | 7,412 |
| Average earning assets | $16,532,500 | 7,418 |
| Average equity | $1,655,000 | 7,457 |
| Average total loans | $7,577,000 | 7,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6841% | 7,615 |
| Cost of funding earning assets | 0.1638% | 7,562 |
| Net interest margin | 0.5203% | 7,605 |
| Noninterest income to average assets | 0.3806% | 5,053 |
| Noninterest expense to average assets | 1.6153% | 7,400 |
| Loan and lease loss provision to assets | 0.5020% | 3,143 |
| Net operating income to assets | -1.2996% | 6,829 |
| Return on assets (ROA) | -1.2996% | 6,857 |
| Pretax return on assets | -1.2996% | 6,780 |
| Return on Equity (ROE) | -14.6135% | 6,908 |
| Retained earnings to average equity (ytd only) | -14.6135% | 6,870 |
| Net charge-offs to loans | 0.5332% | 3,481 |
| Credit loss provision to net charge-offs | 253.0612% | 1,118 |
| Earnings coverage of net charge-offs (x) | -4.0204% | 6,764 |
| Efficiency ratio | 197.5248% | 93 |
| Assets per employee ($millions) | 3.0863% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,894 |
| Loan loss allowance to noncurrent loans | 9.2138% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 5.9665% | 1,001 |
| Noncurrent loans to loans | 12.1203% | 283 |
| Net loans and leases to total assets | 30.7397% | 7,330 |
| Net loans and leases to deposits | 33.5167% | 7,402 |
| Net loans and leases to core deposits | 33.5167% | 7,429 |
| Total domestic deposits to total assets | 91.7145% | 341 |
| Equity capital to assets | 7.6838% | 6,759 |
| Core capital (leverage) ratio | 6.6988% | 7,142 |
| Tier 1 risk-based capital ratio | 18.0694% | 1,978 |
| Total risk-based capital ratio | 18.8829% | 2,082 |
| Memoranda: | ||
| Average total assets | $24,700,800 | 7,357 |
| Average earning assets | $20,758,600 | 7,384 |
| Average equity | $2,196,600 | 7,468 |
| Average total loans | $9,189,400 | 7,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1300% | 7,757 |
| Cost of funding earning assets | 0.0247% | 7,728 |
| Net interest margin | 0.1052% | 7,751 |
| Noninterest income to average assets | 0.0262% | 7,375 |
| Noninterest expense to average assets | 0.2146% | 7,750 |
| Loan and lease loss provision to assets | 0.0785% | 6,264 |
| Net operating income to assets | -0.1779% | 6,292 |
| Return on assets (ROA) | -0.1779% | 6,364 |
| Pretax return on assets | -0.1779% | 6,304 |
| Return on Equity (ROE) | -1.9449% | 6,394 |
| Retained earnings to average equity (ytd only) | -1.9449% | 6,193 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.3636% | 106 |
| Assets per employee ($millions) | 3.5129% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1731% | 7,645 |
| Loan loss allowance to noncurrent loans | 1.8868% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 5.1647% | 1,225 |
| Noncurrent loans to loans | 9.1759% | 513 |
| Net loans and leases to total assets | 35.1728% | 7,300 |
| Net loans and leases to deposits | 38.3837% | 7,411 |
| Net loans and leases to core deposits | 39.2833% | 7,439 |
| Total domestic deposits to total assets | 91.6348% | 269 |
| Equity capital to assets | 7.9504% | 6,842 |
| Core capital (leverage) ratio | 7.5252% | 6,829 |
| Tier 1 risk-based capital ratio | 16.9219% | 2,368 |
| Total risk-based capital ratio | 17.0539% | 2,806 |
| Memoranda: | ||
| Average total assets | $25,475,000 | 7,426 |
| Average earning assets | $21,544,750 | 7,459 |
| Average equity | $2,330,750 | 7,539 |
| Average total loans | $9,807,750 | 7,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 7,652 |
| Cost of funding earning assets | 0.6481% | 7,298 |
| Net interest margin | 2.6838% | 7,276 |
| Noninterest income to average assets | 0.4812% | 4,275 |
| Noninterest expense to average assets | 2.9414% | 3,920 |
| Loan and lease loss provision to assets | 0.3880% | 3,391 |
| Net operating income to assets | -0.5666% | 6,719 |
| Return on assets (ROA) | -0.5666% | 6,749 |
| Pretax return on assets | -0.5666% | 6,639 |
| Return on Equity (ROE) | -5.9446% | 6,770 |
| Retained earnings to average equity (ytd only) | -5.9446% | 6,651 |
| Net charge-offs to loans | 0.0196% | 6,069 |
| Credit loss provision to net charge-offs | 5,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 6,343 |
| Efficiency ratio | 106.4607% | 623 |
| Assets per employee ($millions) | 3.4691% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6939% | 1,099 |
| Loan loss allowance to noncurrent loans | 24.3728% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 7.1693% | 726 |
| Noncurrent loans to loans | 11.0528% | 360 |
| Net loans and leases to total assets | 40.4587% | 7,139 |
| Net loans and leases to deposits | 45.1413% | 7,286 |
| Net loans and leases to core deposits | 46.2375% | 7,341 |
| Total domestic deposits to total assets | 89.6269% | 1,110 |
| Equity capital to assets | 10.0189% | 4,003 |
| Core capital (leverage) ratio | 9.3249% | 4,071 |
| Tier 1 risk-based capital ratio | 19.7491% | 1,554 |
| Total risk-based capital ratio | 21.0119% | 1,524 |
| Memoranda: | ||
| Average total assets | $25,770,000 | 7,476 |
| Average earning assets | $21,909,330 | 7,506 |
| Average equity | $2,456,000 | 7,558 |
| Average total loans | $10,189,000 | 7,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2270% | 7,770 |
| Cost of funding earning assets | 0.6701% | 7,396 |
| Net interest margin | 2.5569% | 7,422 |
| Noninterest income to average assets | 0.4526% | 4,441 |
| Noninterest expense to average assets | 2.9118% | 4,009 |
| Loan and lease loss provision to assets | 0.7543% | 1,685 |
| Net operating income to assets | -1.0259% | 7,117 |
| Return on assets (ROA) | -1.0259% | 7,139 |
| Pretax return on assets | -1.0259% | 7,061 |
| Return on Equity (ROE) | -11.0233% | 7,170 |
| Retained earnings to average equity (ytd only) | -11.0233% | 7,017 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2857% | 591 |
| Assets per employee ($millions) | 3.7540% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6062% | 1,170 |
| Loan loss allowance to noncurrent loans | 34.6887% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 5.3733% | 1,163 |
| Noncurrent loans to loans | 7.5131% | 761 |
| Net loans and leases to total assets | 38.8234% | 7,315 |
| Net loans and leases to deposits | 42.9648% | 7,431 |
| Net loans and leases to core deposits | 43.9192% | 7,485 |
| Total domestic deposits to total assets | 90.3608% | 796 |
| Equity capital to assets | 9.2587% | 4,900 |
| Core capital (leverage) ratio | 9.1543% | 4,290 |
| Tier 1 risk-based capital ratio | 17.7701% | 2,000 |
| Total risk-based capital ratio | 19.0285% | 1,972 |
| Memoranda: | ||
| Average total assets | $26,513,000 | 7,541 |
| Average earning assets | $22,683,500 | 7,575 |
| Average equity | $2,467,500 | 7,646 |
| Average total loans | $10,235,000 | 7,641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 7,831 |
| Cost of funding earning assets | 0.9113% | 7,382 |
| Net interest margin | 2.5968% | 7,336 |
| Noninterest income to average assets | 0.5761% | 3,808 |
| Noninterest expense to average assets | 3.3737% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2497% | 5,894 |
| Return on assets (ROA) | 0.0580% | 5,368 |
| Pretax return on assets | -0.0373% | 5,503 |
| Return on Equity (ROE) | 0.5479% | 5,370 |
| Retained earnings to average equity (ytd only) | 0.5479% | 4,598 |
| Net charge-offs to loans | 0.1024% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -13.8889% | 7,173 |
| Efficiency ratio | 118.1422% | 639 |
| Assets per employee ($millions) | 3.8211% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2311% | 1,590 |
| Loan loss allowance to noncurrent loans | 18.5370% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 6.8342% | 752 |
| Noncurrent loans to loans | 12.0360% | 278 |
| Net loans and leases to total assets | 36.5336% | 7,501 |
| Net loans and leases to deposits | 40.4470% | 7,613 |
| Net loans and leases to core deposits | 42.6669% | 7,725 |
| Total domestic deposits to total assets | 90.3245% | 824 |
| Equity capital to assets | 9.3540% | 4,628 |
| Core capital (leverage) ratio | 9.4662% | 3,762 |
| Tier 1 risk-based capital ratio | 18.3333% | 1,799 |
| Total risk-based capital ratio | 19.5888% | 1,751 |
| Memoranda: | ||
| Average total assets | $24,128,000 | 7,666 |
| Average earning assets | $21,179,600 | 7,673 |
| Average equity | $2,555,200 | 7,716 |
| Average total loans | $8,788,800 | 7,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 7,921 |
| Cost of funding earning assets | 0.9659% | 7,456 |
| Net interest margin | 2.6337% | 7,313 |
| Noninterest income to average assets | 0.5851% | 3,815 |
| Noninterest expense to average assets | 3.6353% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3694% | 6,283 |
| Return on assets (ROA) | 0.0341% | 5,688 |
| Pretax return on assets | -0.0966% | 5,841 |
| Return on Equity (ROE) | 0.3115% | 5,683 |
| Retained earnings to average equity (ytd only) | 0.3115% | 5,068 |
| Net charge-offs to loans | 0.1414% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -14.2217% | 6,924 |
| Efficiency ratio | 125.0000% | 531 |
| Assets per employee ($millions) | 3.2130% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7606% | 825 |
| Loan loss allowance to noncurrent loans | 27.1290% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 6.4337% | 787 |
| Noncurrent loans to loans | 10.1758% | 385 |
| Net loans and leases to total assets | 34.9251% | 7,658 |
| Net loans and leases to deposits | 39.6297% | 7,742 |
| Net loans and leases to core deposits | 42.5791% | 7,818 |
| Total domestic deposits to total assets | 88.1286% | 1,603 |
| Equity capital to assets | 11.1333% | 2,896 |
| Core capital (leverage) ratio | 10.0610% | 3,220 |
| Tier 1 risk-based capital ratio | 25.6334% | 846 |
| Total risk-based capital ratio | 26.9001% | 826 |
| Memoranda: | ||
| Average total assets | $23,473,000 | 7,752 |
| Average earning assets | $20,705,250 | 7,763 |
| Average equity | $2,568,500 | 7,788 |
| Average total loans | $8,487,250 | 7,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 7,976 |
| Cost of funding earning assets | 0.9516% | 7,618 |
| Net interest margin | 2.8263% | 6,964 |
| Noninterest income to average assets | 0.5378% | 4,125 |
| Noninterest expense to average assets | 3.6638% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3250% | 6,351 |
| Return on assets (ROA) | -0.1260% | 6,092 |
| Pretax return on assets | -0.3193% | 6,253 |
| Return on Equity (ROE) | -1.1583% | 6,092 |
| Retained earnings to average equity (ytd only) | -1.1583% | 5,522 |
| Net charge-offs to loans | 0.2783% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -6.2500% | 6,478 |
| Efficiency ratio | 120.7756% | 651 |
| Assets per employee ($millions) | 3.4419% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7194% | 734 |
| Loan loss allowance to noncurrent loans | 16.0000% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 8.3012% | 447 |
| Noncurrent loans to loans | 16.9963% | 96 |
| Net loans and leases to total assets | 32.6651% | 7,815 |
| Net loans and leases to deposits | 36.7414% | 7,887 |
| Net loans and leases to core deposits | 39.0551% | 7,941 |
| Total domestic deposits to total assets | 88.9055% | 1,309 |
| Equity capital to assets | 10.5300% | 3,365 |
| Core capital (leverage) ratio | 10.0763% | 3,211 |
| Tier 1 risk-based capital ratio | 23.9198% | 1,045 |
| Total risk-based capital ratio | 25.1792% | 1,020 |
| Memoranda: | ||
| Average total assets | $23,800,330 | 7,826 |
| Average earning assets | $21,016,670 | 7,828 |
| Average equity | $2,590,000 | 7,860 |
| Average total loans | $8,623,670 | 7,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 7,950 |
| Cost of funding earning assets | 0.9929% | 7,680 |
| Net interest margin | 3.0932% | 6,221 |
| Noninterest income to average assets | 0.5242% | 4,102 |
| Noninterest expense to average assets | 3.1115% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1434% | 5,843 |
| Return on assets (ROA) | 0.7441% | 3,551 |
| Pretax return on assets | 0.7779% | 4,158 |
| Return on Equity (ROE) | 6.7265% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.7265% | 2,316 |
| Net charge-offs to loans | 0.5399% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,424 |
| Efficiency ratio | 95.3368% | 1,358 |
| Assets per employee ($millions) | 3.3891% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6159% | 675 |
| Loan loss allowance to noncurrent loans | 25.3165% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 6.5503% | 562 |
| Noncurrent loans to loans | 10.3329% | 272 |
| Net loans and leases to total assets | 34.5220% | 7,788 |
| Net loans and leases to deposits | 39.1286% | 7,869 |
| Net loans and leases to core deposits | 41.8690% | 7,948 |
| Total domestic deposits to total assets | 88.2271% | 1,629 |
| Equity capital to assets | 11.0015% | 2,958 |
| Core capital (leverage) ratio | 10.9329% | 2,554 |
| Tier 1 risk-based capital ratio | 21.5197% | 1,366 |
| Total risk-based capital ratio | 22.7791% | 1,334 |
| Memoranda: | ||
| Average total assets | $23,654,000 | 7,878 |
| Average earning assets | $20,949,000 | 7,878 |
| Average equity | $2,616,500 | 7,898 |
| Average total loans | $8,890,500 | 7,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 7,996 |
| Cost of funding earning assets | 1.5062% | 7,599 |
| Net interest margin | 3.1290% | 6,565 |
| Noninterest income to average assets | 0.6617% | 3,395 |
| Noninterest expense to average assets | 3.3629% | 2,784 |
| Loan and lease loss provision to assets | 0.0670% | 6,554 |
| Net operating income to assets | 0.0293% | 6,286 |
| Return on assets (ROA) | 0.0293% | 6,138 |
| Pretax return on assets | 0.0419% | 6,068 |
| Return on Equity (ROE) | 0.2750% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.2750% | 5,076 |
| Net charge-offs to loans | 0.5041% | 2,345 |
| Credit loss provision to net charge-offs | 32.6531% | 6,502 |
| Earnings coverage of net charge-offs (x) | 0.5306% | 5,914 |
| Efficiency ratio | 96.8637% | 1,104 |
| Assets per employee ($millions) | 3.3691% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 700 |
| Loan loss allowance to noncurrent loans | 13.3795% | 7,441 |
| Noncurrent assets plus other real estate owned to assets | 7.3524% | 336 |
| Noncurrent loans to loans | 18.5039% | 43 |
| Net loans and leases to total assets | 38.7508% | 7,728 |
| Net loans and leases to deposits | 45.4541% | 7,803 |
| Net loans and leases to core deposits | 48.7778% | 7,909 |
| Total domestic deposits to total assets | 85.2527% | 2,725 |
| Equity capital to assets | 11.1219% | 2,948 |
| Core capital (leverage) ratio | 10.4735% | 2,996 |
| Tier 1 risk-based capital ratio | 20.3610% | 1,558 |
| Total risk-based capital ratio | 21.6161% | 1,524 |
| Memoranda: | ||
| Average total assets | $23,878,400 | 7,876 |
| Average earning assets | $21,444,800 | 7,881 |
| Average equity | $2,545,200 | 7,968 |
| Average total loans | $9,719,400 | 7,956 |