Home > Clinton State Bank > Performance and Condition Ratios
Clinton State Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2171% | 6,174 |
| Cost of funding earning assets | 0.2287% | 6,236 |
| Net interest margin | 2.9884% | 5,624 |
| Noninterest income to average assets | 0.2213% | 5,841 |
| Noninterest expense to average assets | 1.5925% | 6,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4167% | 1,065 |
| Return on assets (ROA) | 1.4167% | 1,117 |
| Pretax return on assets | 1.4167% | 1,881 |
| Return on Equity (ROE) | 12.2644% | 1,403 |
| Retained earnings to average equity (ytd only) | 4.2250% | 3,680 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3966% | 6,228 |
| Assets per employee ($millions) | 8.4804% | 385 |
| Cash dividends to net income (ytd only)* | 65.5505% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 2.0857% | 1,919 |
| Noncurrent loans to loans | 3.8831% | 922 |
| Net loans and leases to total assets | 53.7122% | 4,658 |
| Net loans and leases to deposits | 63.3508% | 4,585 |
| Net loans and leases to core deposits | 64.0670% | 4,893 |
| Total domestic deposits to total assets | 84.7855% | 3,843 |
| Equity capital to assets | 11.3542% | 2,426 |
| Core capital (leverage) ratio | 10.0926% | 3,533 |
| Tier 1 risk-based capital ratio | 15.7850% | 3,309 |
| Total risk-based capital ratio | 15.7850% | 4,004 |
| Memoranda: | ||
| Average total assets | $67,480,000 | 5,610 |
| Average earning assets | $62,954,000 | 5,564 |
| Average equity | $7,794,750 | 5,451 |
| Average total loans | $36,179,250 | 5,541 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2434% | 6,171 |
| Cost of funding earning assets | 0.2642% | 6,083 |
| Net interest margin | 2.9793% | 5,615 |
| Noninterest income to average assets | 0.2257% | 5,828 |
| Noninterest expense to average assets | 1.6598% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3450% | 1,213 |
| Return on assets (ROA) | 1.3450% | 1,306 |
| Pretax return on assets | 1.3450% | 2,144 |
| Return on Equity (ROE) | 11.5778% | 1,612 |
| Retained earnings to average equity (ytd only) | -0.4345% | 5,944 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7431% | 6,081 |
| Assets per employee ($millions) | 7.2727% | 636 |
| Cash dividends to net income (ytd only)* | 103.7528% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7035% | 2,554 |
| Noncurrent loans to loans | 3.3686% | 1,278 |
| Net loans and leases to total assets | 50.5699% | 5,051 |
| Net loans and leases to deposits | 58.2449% | 5,143 |
| Net loans and leases to core deposits | 59.2553% | 5,322 |
| Total domestic deposits to total assets | 86.8228% | 2,926 |
| Equity capital to assets | 11.4844% | 2,308 |
| Core capital (leverage) ratio | 9.6061% | 4,068 |
| Tier 1 risk-based capital ratio | 16.2727% | 3,053 |
| Total risk-based capital ratio | 16.2727% | 3,728 |
| Memoranda: | ||
| Average total assets | $67,359,000 | 5,652 |
| Average earning assets | $62,834,330 | 5,597 |
| Average equity | $7,825,330 | 5,475 |
| Average total loans | $36,092,330 | 5,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 6,213 |
| Cost of funding earning assets | 0.3206% | 5,806 |
| Net interest margin | 2.9484% | 5,710 |
| Noninterest income to average assets | 0.1581% | 6,317 |
| Noninterest expense to average assets | 1.5224% | 6,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3819% | 1,065 |
| Return on assets (ROA) | 1.3819% | 1,153 |
| Pretax return on assets | 1.3819% | 1,918 |
| Return on Equity (ROE) | 11.8303% | 1,467 |
| Retained earnings to average equity (ytd only) | -11.7301% | 6,673 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0161% | 6,380 |
| Assets per employee ($millions) | 8.7205% | 356 |
| Cash dividends to net income (ytd only)* | 199.1525% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3904% | 3,187 |
| Noncurrent loans to loans | 3.0389% | 1,645 |
| Net loans and leases to total assets | 45.7528% | 5,461 |
| Net loans and leases to deposits | 51.6447% | 5,653 |
| Net loans and leases to core deposits | 53.0498% | 5,745 |
| Total domestic deposits to total assets | 88.5915% | 1,940 |
| Equity capital to assets | 11.2981% | 2,636 |
| Core capital (leverage) ratio | 9.0285% | 4,838 |
| Tier 1 risk-based capital ratio | 15.8155% | 3,366 |
| Total risk-based capital ratio | 15.8155% | 4,093 |
| Memoranda: | ||
| Average total assets | $68,311,500 | 5,679 |
| Average earning assets | $63,628,000 | 5,627 |
| Average equity | $7,979,500 | 5,490 |
| Average total loans | $37,588,500 | 5,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7042% | 7,047 |
| Cost of funding earning assets | 0.0671% | 7,022 |
| Net interest margin | 0.6371% | 7,040 |
| Noninterest income to average assets | 0.0356% | 6,735 |
| Noninterest expense to average assets | 0.2506% | 7,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3899% | 5,137 |
| Return on assets (ROA) | 0.7072% | 3,960 |
| Pretax return on assets | 0.7072% | 4,646 |
| Return on Equity (ROE) | 5.3263% | 4,519 |
| Retained earnings to average equity (ytd only) | -33.3869% | 6,953 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8889% | 6,951 |
| Assets per employee ($millions) | 8.3574% | 432 |
| Cash dividends to net income (ytd only)* | 726.8344% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 4,372 |
| Noncurrent loans to loans | 1.2969% | 3,669 |
| Net loans and leases to total assets | 64.7003% | 2,772 |
| Net loans and leases to deposits | 73.6745% | 3,150 |
| Net loans and leases to core deposits | 76.8621% | 3,424 |
| Total domestic deposits to total assets | 87.8191% | 2,334 |
| Equity capital to assets | 12.0806% | 1,997 |
| Core capital (leverage) ratio | 9.4034% | 4,250 |
| Tier 1 risk-based capital ratio | 13.2798% | 4,914 |
| Total risk-based capital ratio | 13.2798% | 5,724 |
| Memoranda: | ||
| Average total assets | $67,446,000 | 5,695 |
| Average earning assets | $64,041,600 | 5,607 |
| Average equity | $8,955,600 | 5,235 |
| Average total loans | $44,386,800 | 5,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 3,164 |
| Cost of funding earning assets | 0.6215% | 4,441 |
| Net interest margin | 3.9893% | 2,544 |
| Noninterest income to average assets | 0.2091% | 6,039 |
| Noninterest expense to average assets | 1.5780% | 6,893 |
| Loan and lease loss provision to assets | 0.0454% | 5,208 |
| Net operating income to assets | 2.3966% | 210 |
| Return on assets (ROA) | 2.0771% | 388 |
| Pretax return on assets | 2.0771% | 602 |
| Return on Equity (ROE) | 15.3016% | 850 |
| Retained earnings to average equity (ytd only) | 1.7292% | 5,466 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2542% | 7,028 |
| Assets per employee ($millions) | 7.7426% | 531 |
| Cash dividends to net income (ytd only)* | 88.6991% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,135 |
| Loan loss allowance to noncurrent loans | 106.5546% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 4,582 |
| Noncurrent loans to loans | 1.3659% | 3,740 |
| Net loans and leases to total assets | 61.6033% | 3,464 |
| Net loans and leases to deposits | 71.3085% | 3,705 |
| Net loans and leases to core deposits | 75.1286% | 3,830 |
| Total domestic deposits to total assets | 86.3898% | 3,042 |
| Equity capital to assets | 13.4423% | 1,373 |
| Core capital (leverage) ratio | 13.2224% | 1,098 |
| Tier 1 risk-based capital ratio | 18.8036% | 2,075 |
| Total risk-based capital ratio | 20.0563% | 2,037 |
| Memoranda: | ||
| Average total assets | $67,592,750 | 5,757 |
| Average earning assets | $64,571,000 | 5,655 |
| Average equity | $9,175,250 | 5,225 |
| Average total loans | $44,669,000 | 5,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 2,997 |
| Cost of funding earning assets | 0.6494% | 4,448 |
| Net interest margin | 4.0335% | 2,370 |
| Noninterest income to average assets | 0.2123% | 6,046 |
| Noninterest expense to average assets | 1.0733% | 7,175 |
| Loan and lease loss provision to assets | 0.0688% | 4,768 |
| Net operating income to assets | 2.9329% | 105 |
| Return on assets (ROA) | 2.9329% | 109 |
| Pretax return on assets | 2.9329% | 166 |
| Return on Equity (ROE) | 21.5336% | 265 |
| Retained earnings to average equity (ytd only) | 3.4024% | 4,336 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3390% | 7,191 |
| Assets per employee ($millions) | 7.2832% | 637 |
| Cash dividends to net income (ytd only)* | 84.1998% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,380 |
| Loan loss allowance to noncurrent loans | 109.4991% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 4,607 |
| Noncurrent loans to loans | 1.2974% | 3,980 |
| Net loans and leases to total assets | 67.1132% | 2,442 |
| Net loans and leases to deposits | 78.3892% | 2,616 |
| Net loans and leases to core deposits | 82.9084% | 2,838 |
| Total domestic deposits to total assets | 85.6153% | 3,558 |
| Equity capital to assets | 14.1573% | 1,028 |
| Core capital (leverage) ratio | 13.2820% | 1,060 |
| Tier 1 risk-based capital ratio | 18.3673% | 2,172 |
| Total risk-based capital ratio | 19.6089% | 2,142 |
| Memoranda: | ||
| Average total assets | $66,896,000 | 5,812 |
| Average earning assets | $64,063,670 | 5,704 |
| Average equity | $9,111,330 | 5,236 |
| Average total loans | $45,038,330 | 5,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 3,300 |
| Cost of funding earning assets | 0.6738% | 4,513 |
| Net interest margin | 3.9688% | 2,635 |
| Noninterest income to average assets | 0.1717% | 6,351 |
| Noninterest expense to average assets | 0.9590% | 7,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.0132% | 105 |
| Return on assets (ROA) | 3.0132% | 124 |
| Pretax return on assets | 3.0132% | 184 |
| Return on Equity (ROE) | 22.5546% | 258 |
| Retained earnings to average equity (ytd only) | 0.3988% | 5,868 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1431% | 7,259 |
| Assets per employee ($millions) | 7.5661% | 578 |
| Cash dividends to net income (ytd only)* | 98.2318% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 4,522 |
| Loan loss allowance to noncurrent loans | 74.6944% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,120 |
| Noncurrent loans to loans | 1.8995% | 3,284 |
| Net loans and leases to total assets | 62.3453% | 3,181 |
| Net loans and leases to deposits | 72.0903% | 3,422 |
| Net loans and leases to core deposits | 76.0375% | 3,614 |
| Total domestic deposits to total assets | 86.4821% | 3,255 |
| Equity capital to assets | 13.2859% | 1,326 |
| Core capital (leverage) ratio | 12.8434% | 1,187 |
| Tier 1 risk-based capital ratio | 18.7712% | 2,061 |
| Total risk-based capital ratio | 20.0224% | 2,029 |
| Memoranda: | ||
| Average total assets | $67,569,500 | 5,842 |
| Average earning assets | $64,705,000 | 5,733 |
| Average equity | $9,027,000 | 5,273 |
| Average total loans | $45,244,500 | 5,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 2,473 |
| Cost of funding earning assets | 0.9341% | 3,843 |
| Net interest margin | 4.1614% | 2,190 |
| Noninterest income to average assets | 0.2117% | 6,003 |
| Noninterest expense to average assets | 1.9457% | 6,770 |
| Loan and lease loss provision to assets | 0.0671% | 5,770 |
| Net operating income to assets | 2.1858% | 231 |
| Return on assets (ROA) | 2.1858% | 244 |
| Pretax return on assets | 2.1843% | 381 |
| Return on Equity (ROE) | 16.5597% | 527 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,913 |
| Net charge-offs to loans | -0.0022% | 6,800 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3588% | 7,029 |
| Assets per employee ($millions) | 7.4493% | 588 |
| Cash dividends to net income (ytd only)* | 72.3056% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,972 |
| Loan loss allowance to noncurrent loans | 135.1770% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 5,295 |
| Noncurrent loans to loans | 0.9531% | 4,797 |
| Net loans and leases to total assets | 69.8243% | 2,065 |
| Net loans and leases to deposits | 81.3672% | 2,297 |
| Net loans and leases to core deposits | 85.9301% | 2,642 |
| Total domestic deposits to total assets | 85.8138% | 3,422 |
| Equity capital to assets | 13.4345% | 1,303 |
| Core capital (leverage) ratio | 12.9023% | 1,179 |
| Tier 1 risk-based capital ratio | 17.3414% | 2,446 |
| Total risk-based capital ratio | 18.5606% | 2,435 |
| Memoranda: | ||
| Average total assets | $67,070,400 | 5,836 |
| Average earning assets | $64,233,600 | 5,727 |
| Average equity | $8,852,800 | 5,321 |
| Average total loans | $45,930,800 | 5,428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 2,329 |
| Cost of funding earning assets | 0.9931% | 3,732 |
| Net interest margin | 4.1715% | 2,204 |
| Noninterest income to average assets | 0.2087% | 6,121 |
| Noninterest expense to average assets | 1.2900% | 7,318 |
| Loan and lease loss provision to assets | 0.0894% | 5,340 |
| Net operating income to assets | 2.8305% | 104 |
| Return on assets (ROA) | 2.8305% | 109 |
| Pretax return on assets | 2.8285% | 162 |
| Return on Equity (ROE) | 21.5403% | 238 |
| Retained earnings to average equity (ytd only) | 7.7146% | 1,619 |
| Net charge-offs to loans | -0.0029% | 6,678 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6566% | 7,362 |
| Assets per employee ($millions) | 7.4887% | 577 |
| Cash dividends to net income (ytd only)* | 64.1856% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,702 |
| Loan loss allowance to noncurrent loans | 379.5031% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,462 |
| Noncurrent loans to loans | 0.3601% | 6,132 |
| Net loans and leases to total assets | 65.4248% | 3,024 |
| Net loans and leases to deposits | 75.9630% | 3,336 |
| Net loans and leases to core deposits | 80.1786% | 3,608 |
| Total domestic deposits to total assets | 86.1272% | 3,150 |
| Equity capital to assets | 13.6072% | 1,322 |
| Core capital (leverage) ratio | 13.2383% | 1,131 |
| Tier 1 risk-based capital ratio | 17.3314% | 2,512 |
| Total risk-based capital ratio | 18.5355% | 2,494 |
| Memoranda: | ||
| Average total assets | $67,077,000 | 5,870 |
| Average earning assets | $64,308,500 | 5,761 |
| Average equity | $8,814,250 | 5,355 |
| Average total loans | $45,557,500 | 5,490 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 2,345 |
| Cost of funding earning assets | 1.0447% | 3,643 |
| Net interest margin | 4.1351% | 2,284 |
| Noninterest income to average assets | 0.2001% | 6,234 |
| Noninterest expense to average assets | 1.2812% | 7,401 |
| Loan and lease loss provision to assets | 0.0896% | 5,198 |
| Net operating income to assets | 2.7983% | 116 |
| Return on assets (ROA) | 2.7983% | 118 |
| Pretax return on assets | 2.8013% | 165 |
| Return on Equity (ROE) | 21.5518% | 252 |
| Retained earnings to average equity (ytd only) | 3.8871% | 3,725 |
| Net charge-offs to loans | -0.0044% | 6,573 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7087% | 7,435 |
| Assets per employee ($millions) | 7.2852% | 632 |
| Cash dividends to net income (ytd only)* | 81.9637% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 4,867 |
| Loan loss allowance to noncurrent loans | 338.6364% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,459 |
| Noncurrent loans to loans | 0.3963% | 6,109 |
| Net loans and leases to total assets | 66.8263% | 2,854 |
| Net loans and leases to deposits | 77.6879% | 3,184 |
| Net loans and leases to core deposits | 82.1309% | 3,484 |
| Total domestic deposits to total assets | 86.0189% | 3,317 |
| Equity capital to assets | 13.5159% | 1,282 |
| Core capital (leverage) ratio | 12.4223% | 1,399 |
| Tier 1 risk-based capital ratio | 16.7668% | 2,621 |
| Total risk-based capital ratio | 17.9487% | 2,607 |
| Memoranda: | ||
| Average total assets | $66,970,000 | 5,926 |
| Average earning assets | $64,326,670 | 5,812 |
| Average equity | $8,695,330 | 5,411 |
| Average total loans | $45,841,330 | 5,526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 2,363 |
| Cost of funding earning assets | 1.0776% | 3,671 |
| Net interest margin | 4.0901% | 2,304 |
| Noninterest income to average assets | 0.2010% | 6,286 |
| Noninterest expense to average assets | 1.2768% | 7,468 |
| Loan and lease loss provision to assets | 0.0887% | 4,902 |
| Net operating income to assets | 2.7840% | 131 |
| Return on assets (ROA) | 2.7840% | 137 |
| Pretax return on assets | 2.7840% | 180 |
| Return on Equity (ROE) | 21.8765% | 249 |
| Retained earnings to average equity (ytd only) | -1.3470% | 6,056 |
| Net charge-offs to loans | 0.0344% | 4,617 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 266 |
| Efficiency ratio | 30.7692% | 7,492 |
| Assets per employee ($millions) | 7.5086% | 583 |
| Cash dividends to net income (ytd only)* | 106.1571% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 5,156 |
| Loan loss allowance to noncurrent loans | 144.3609% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,790 |
| Noncurrent loans to loans | 0.8969% | 5,252 |
| Net loans and leases to total assets | 64.9792% | 3,240 |
| Net loans and leases to deposits | 78.0723% | 3,046 |
| Net loans and leases to core deposits | 84.5271% | 3,098 |
| Total domestic deposits to total assets | 83.2295% | 4,835 |
| Equity capital to assets | 12.7366% | 1,507 |
| Core capital (leverage) ratio | 12.0407% | 1,542 |
| Tier 1 risk-based capital ratio | 15.7971% | 3,002 |
| Total risk-based capital ratio | 16.8991% | 3,034 |
| Memoranda: | ||
| Average total assets | $67,671,500 | 5,941 |
| Average earning assets | $65,328,500 | 5,818 |
| Average equity | $8,612,000 | 5,434 |
| Average total loans | $46,556,000 | 5,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6622% | 1,708 |
| Cost of funding earning assets | 1.3024% | 3,866 |
| Net interest margin | 4.3598% | 1,619 |
| Noninterest income to average assets | 0.1909% | 6,399 |
| Noninterest expense to average assets | 2.0011% | 7,021 |
| Loan and lease loss provision to assets | 0.1289% | 5,878 |
| Net operating income to assets | 2.2324% | 178 |
| Return on assets (ROA) | 2.2324% | 186 |
| Pretax return on assets | 2.2340% | 298 |
| Return on Equity (ROE) | 16.8696% | 490 |
| Retained earnings to average equity (ytd only) | 5.0914% | 2,359 |
| Net charge-offs to loans | -0.0022% | 7,239 |
| Credit loss provision to net charge-offs | -8,300.0000% | 7,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8556% | 7,355 |
| Assets per employee ($millions) | 7.5296% | 582 |
| Cash dividends to net income (ytd only)* | 69.8192% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,680 |
| Loan loss allowance to noncurrent loans | 103.4799% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 5,391 |
| Noncurrent loans to loans | 1.1229% | 4,864 |
| Net loans and leases to total assets | 70.9205% | 2,327 |
| Net loans and leases to deposits | 85.3126% | 2,222 |
| Net loans and leases to core deposits | 93.0638% | 2,376 |
| Total domestic deposits to total assets | 83.1302% | 4,740 |
| Equity capital to assets | 12.7158% | 1,522 |
| Core capital (leverage) ratio | 12.2456% | 1,410 |
| Tier 1 risk-based capital ratio | 16.1171% | 2,692 |
| Total risk-based capital ratio | 17.2162% | 2,721 |
| Memoranda: | ||
| Average total assets | $64,414,800 | 6,051 |
| Average earning assets | $61,654,400 | 5,937 |
| Average equity | $8,524,200 | 5,539 |
| Average total loans | $45,550,800 | 5,681 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 1,532 |
| Cost of funding earning assets | 1.3436% | 3,948 |
| Net interest margin | 4.4107% | 1,492 |
| Noninterest income to average assets | 0.1971% | 6,480 |
| Noninterest expense to average assets | 1.3443% | 7,616 |
| Loan and lease loss provision to assets | 0.1258% | 5,770 |
| Net operating income to assets | 2.9381% | 85 |
| Return on assets (ROA) | 2.9381% | 87 |
| Pretax return on assets | 2.9402% | 129 |
| Return on Equity (ROE) | 21.9733% | 197 |
| Retained earnings to average equity (ytd only) | 8.5164% | 1,234 |
| Net charge-offs to loans | -0.0030% | 7,184 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4803% | 7,680 |
| Assets per employee ($millions) | 7.2727% | 688 |
| Cash dividends to net income (ytd only)* | 61.2420% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,729 |
| Loan loss allowance to noncurrent loans | 181.2709% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 6,283 |
| Noncurrent loans to loans | 0.6322% | 5,944 |
| Net loans and leases to total assets | 71.4242% | 2,376 |
| Net loans and leases to deposits | 86.8394% | 2,176 |
| Net loans and leases to core deposits | 93.4141% | 2,607 |
| Total domestic deposits to total assets | 82.2486% | 4,891 |
| Equity capital to assets | 13.6432% | 1,296 |
| Core capital (leverage) ratio | 12.9565% | 1,248 |
| Tier 1 risk-based capital ratio | 16.6478% | 2,486 |
| Total risk-based capital ratio | 17.7228% | 2,524 |
| Memoranda: | ||
| Average total assets | $63,577,000 | 6,140 |
| Average earning assets | $60,729,000 | 6,035 |
| Average equity | $8,501,000 | 5,622 |
| Average total loans | $44,782,250 | 5,793 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 1,664 |
| Cost of funding earning assets | 1.3837% | 3,981 |
| Net interest margin | 4.3435% | 1,624 |
| Noninterest income to average assets | 0.1906% | 6,540 |
| Noninterest expense to average assets | 1.3121% | 7,705 |
| Loan and lease loss provision to assets | 0.0953% | 5,960 |
| Net operating income to assets | 2.9388% | 87 |
| Return on assets (ROA) | 2.9388% | 88 |
| Pretax return on assets | 2.9420% | 135 |
| Return on Equity (ROE) | 22.1345% | 205 |
| Retained earnings to average equity (ytd only) | 5.0969% | 2,850 |
| Net charge-offs to loans | -0.0046% | 7,104 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1680% | 7,751 |
| Assets per employee ($millions) | 7.0771% | 743 |
| Cash dividends to net income (ytd only)* | 76.9730% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,902 |
| Loan loss allowance to noncurrent loans | 189.6296% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 6,390 |
| Noncurrent loans to loans | 0.5848% | 6,079 |
| Net loans and leases to total assets | 71.6881% | 2,490 |
| Net loans and leases to deposits | 86.9932% | 2,336 |
| Net loans and leases to core deposits | 93.7540% | 2,754 |
| Total domestic deposits to total assets | 82.4065% | 4,824 |
| Equity capital to assets | 13.4000% | 1,388 |
| Core capital (leverage) ratio | 12.8444% | 1,260 |
| Tier 1 risk-based capital ratio | 16.3276% | 2,544 |
| Total risk-based capital ratio | 17.3641% | 2,586 |
| Memoranda: | ||
| Average total assets | $62,951,330 | 6,204 |
| Average earning assets | $60,273,670 | 6,093 |
| Average equity | $8,358,000 | 5,681 |
| Average total loans | $43,945,670 | 5,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 1,926 |
| Cost of funding earning assets | 1.4246% | 4,022 |
| Net interest margin | 4.2336% | 1,917 |
| Noninterest income to average assets | 0.1918% | 6,594 |
| Noninterest expense to average assets | 1.3423% | 7,784 |
| Loan and lease loss provision to assets | 0.0959% | 5,674 |
| Net operating income to assets | 2.7932% | 110 |
| Return on assets (ROA) | 2.7932% | 113 |
| Pretax return on assets | 2.7996% | 160 |
| Return on Equity (ROE) | 21.1379% | 321 |
| Retained earnings to average equity (ytd only) | -3.0473% | 6,369 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6742% | 7,836 |
| Assets per employee ($millions) | 6.9133% | 835 |
| Cash dividends to net income (ytd only)* | 114.4165% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,501 |
| Loan loss allowance to noncurrent loans | 104.2017% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 5,621 |
| Noncurrent loans to loans | 1.1516% | 5,065 |
| Net loans and leases to total assets | 65.6348% | 3,948 |
| Net loans and leases to deposits | 76.4828% | 4,322 |
| Net loans and leases to core deposits | 76.4828% | 5,195 |
| Total domestic deposits to total assets | 85.8165% | 3,250 |
| Equity capital to assets | 13.2321% | 1,431 |
| Core capital (leverage) ratio | 12.4534% | 1,427 |
| Tier 1 risk-based capital ratio | 16.5498% | 2,429 |
| Total risk-based capital ratio | 17.6037% | 2,467 |
| Memoranda: | ||
| Average total assets | $62,580,000 | 6,283 |
| Average earning assets | $59,807,000 | 6,180 |
| Average equity | $8,269,500 | 5,746 |
| Average total loans | $42,832,000 | 5,990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0175% | 1,799 |
| Cost of funding earning assets | 1.7668% | 4,167 |
| Net interest margin | 4.2508% | 1,891 |
| Noninterest income to average assets | 0.2343% | 6,437 |
| Noninterest expense to average assets | 1.9700% | 7,411 |
| Loan and lease loss provision to assets | 0.1535% | 6,136 |
| Net operating income to assets | 2.1801% | 155 |
| Return on assets (ROA) | 2.1801% | 168 |
| Pretax return on assets | 2.1817% | 284 |
| Return on Equity (ROE) | 17.0850% | 452 |
| Retained earnings to average equity (ytd only) | 4.3694% | 2,183 |
| Net charge-offs to loans | 0.2484% | 5,070 |
| Credit loss provision to net charge-offs | 91.3462% | 5,963 |
| Earnings coverage of net charge-offs (x) | 13.8942% | 1,396 |
| Efficiency ratio | 45.7583% | 7,726 |
| Assets per employee ($millions) | 6.9933% | 796 |
| Cash dividends to net income (ytd only)* | 74.4255% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,970 |
| Loan loss allowance to noncurrent loans | 249.2228% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 6,673 |
| Noncurrent loans to loans | 0.4354% | 6,398 |
| Net loans and leases to total assets | 69.6679% | 3,329 |
| Net loans and leases to deposits | 81.2199% | 3,759 |
| Net loans and leases to core deposits | 109.0798% | 2,992 |
| Total domestic deposits to total assets | 85.7769% | 3,123 |
| Equity capital to assets | 13.1967% | 1,435 |
| Core capital (leverage) ratio | 12.6157% | 1,399 |
| Tier 1 risk-based capital ratio | 15.9778% | 2,535 |
| Total risk-based capital ratio | 16.9567% | 2,581 |
| Memoranda: | ||
| Average total assets | $61,877,800 | 6,277 |
| Average earning assets | $59,260,000 | 6,151 |
| Average equity | $7,895,800 | 5,959 |
| Average total loans | $41,870,600 | 6,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0719% | 1,756 |
| Cost of funding earning assets | 1.8414% | 4,190 |
| Net interest margin | 4.2305% | 1,941 |
| Noninterest income to average assets | 0.2489% | 6,459 |
| Noninterest expense to average assets | 1.2746% | 7,972 |
| Loan and lease loss provision to assets | 0.0974% | 6,392 |
| Net operating income to assets | 2.9366% | 66 |
| Return on assets (ROA) | 2.9366% | 72 |
| Pretax return on assets | 2.9387% | 113 |
| Return on Equity (ROE) | 23.2161% | 163 |
| Retained earnings to average equity (ytd only) | 8.5371% | 963 |
| Net charge-offs to loans | 0.1131% | 5,550 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 40.0819% | 747 |
| Efficiency ratio | 29.5683% | 8,011 |
| Assets per employee ($millions) | 6.7471% | 879 |
| Cash dividends to net income (ytd only)* | 63.2276% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.4313% | 4,082 |
| Net loans and leases to deposits | 79.2119% | 4,532 |
| Net loans and leases to core deposits | 107.3485% | 3,553 |
| Total domestic deposits to total assets | 85.1278% | 3,161 |
| Equity capital to assets | 13.8232% | 1,364 |
| Core capital (leverage) ratio | 13.2108% | 1,321 |
| Tier 1 risk-based capital ratio | 17.1215% | 2,241 |
| Total risk-based capital ratio | 18.1908% | 2,244 |
| Memoranda: | ||
| Average total assets | $61,612,250 | 6,327 |
| Average earning assets | $59,156,500 | 6,205 |
| Average equity | $7,793,250 | 6,053 |
| Average total loans | $41,255,750 | 6,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0344% | 2,037 |
| Cost of funding earning assets | 1.9262% | 4,128 |
| Net interest margin | 4.1083% | 2,293 |
| Noninterest income to average assets | 0.2617% | 6,404 |
| Noninterest expense to average assets | 1.1469% | 8,097 |
| Loan and lease loss provision to assets | 0.0969% | 6,199 |
| Net operating income to assets | 2.9560% | 62 |
| Return on assets (ROA) | 2.9560% | 71 |
| Pretax return on assets | 2.9592% | 107 |
| Return on Equity (ROE) | 24.1011% | 152 |
| Retained earnings to average equity (ytd only) | 5.3470% | 2,324 |
| Net charge-offs to loans | 0.1699% | 4,530 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 27.0286% | 1,065 |
| Efficiency ratio | 27.2867% | 8,119 |
| Assets per employee ($millions) | 6.6691% | 901 |
| Cash dividends to net income (ytd only)* | 77.8142% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,054 |
| Loan loss allowance to noncurrent loans | 132.1526% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 5,890 |
| Noncurrent loans to loans | 0.8954% | 5,423 |
| Net loans and leases to total assets | 67.4753% | 4,257 |
| Net loans and leases to deposits | 78.6179% | 4,763 |
| Net loans and leases to core deposits | 106.5229% | 3,772 |
| Total domestic deposits to total assets | 85.8269% | 2,874 |
| Equity capital to assets | 12.9802% | 1,700 |
| Core capital (leverage) ratio | 13.5974% | 1,241 |
| Tier 1 risk-based capital ratio | 16.9313% | 2,327 |
| Total risk-based capital ratio | 17.9964% | 2,330 |
| Memoranda: | ||
| Average total assets | $61,908,330 | 6,376 |
| Average earning assets | $59,392,330 | 6,256 |
| Average equity | $7,593,000 | 6,148 |
| Average total loans | $41,192,000 | 6,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0722% | 2,063 |
| Cost of funding earning assets | 2.0440% | 3,904 |
| Net interest margin | 4.0282% | 2,540 |
| Noninterest income to average assets | 0.2673% | 6,304 |
| Noninterest expense to average assets | 1.1456% | 8,129 |
| Loan and lease loss provision to assets | 0.0955% | 5,738 |
| Net operating income to assets | 2.8894% | 77 |
| Return on assets (ROA) | 2.8894% | 93 |
| Pretax return on assets | 2.8894% | 142 |
| Return on Equity (ROE) | 24.2327% | 210 |
| Retained earnings to average equity (ytd only) | -2.4553% | 6,185 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7350% | 8,163 |
| Assets per employee ($millions) | 6.8620% | 825 |
| Cash dividends to net income (ytd only)* | 110.1322% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,166 |
| Loan loss allowance to noncurrent loans | 143.0595% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 5,754 |
| Noncurrent loans to loans | 0.8978% | 5,206 |
| Net loans and leases to total assets | 62.8453% | 5,180 |
| Net loans and leases to deposits | 72.3996% | 5,694 |
| Net loans and leases to core deposits | 98.2707% | 4,715 |
| Total domestic deposits to total assets | 86.8033% | 2,310 |
| Equity capital to assets | 12.1150% | 2,193 |
| Core capital (leverage) ratio | 11.8817% | 1,954 |
| Tier 1 risk-based capital ratio | 16.1138% | 2,649 |
| Total risk-based capital ratio | 17.2044% | 2,642 |
| Memoranda: | ||
| Average total assets | $62,851,500 | 6,365 |
| Average earning assets | $60,275,000 | 6,251 |
| Average equity | $7,494,000 | 6,221 |
| Average total loans | $41,295,500 | 6,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6515% | 2,239 |
| Cost of funding earning assets | 2.8160% | 2,642 |
| Net interest margin | 3.8355% | 3,868 |
| Noninterest income to average assets | 0.3333% | 6,070 |
| Noninterest expense to average assets | 1.8972% | 7,618 |
| Loan and lease loss provision to assets | 0.0813% | 6,375 |
| Net operating income to assets | 2.0045% | 350 |
| Return on assets (ROA) | 2.0045% | 331 |
| Pretax return on assets | 2.0062% | 595 |
| Return on Equity (ROE) | 16.9131% | 648 |
| Retained earnings to average equity (ytd only) | 4.9930% | 2,035 |
| Net charge-offs to loans | 0.0789% | 5,634 |
| Credit loss provision to net charge-offs | 156.2500% | 3,332 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 932 |
| Efficiency ratio | 47.6132% | 7,839 |
| Assets per employee ($millions) | 7.1050% | 678 |
| Cash dividends to net income (ytd only)* | 70.4785% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,063 |
| Loan loss allowance to noncurrent loans | 151.8634% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 5,681 |
| Noncurrent loans to loans | 0.7441% | 5,169 |
| Net loans and leases to total assets | 66.9091% | 4,655 |
| Net loans and leases to deposits | 77.7527% | 5,373 |
| Net loans and leases to core deposits | 104.2952% | 4,363 |
| Total domestic deposits to total assets | 86.0536% | 2,375 |
| Equity capital to assets | 11.7382% | 2,476 |
| Core capital (leverage) ratio | 11.9764% | 1,975 |
| Tier 1 risk-based capital ratio | 11.8324% | 4,958 |
| Total risk-based capital ratio | 12.6033% | 5,288 |
| Memoranda: | ||
| Average total assets | $61,510,400 | 6,339 |
| Average earning assets | $58,558,000 | 6,235 |
| Average equity | $7,290,200 | 6,354 |
| Average total loans | $40,561,600 | 6,143 |