Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 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 | 2.7050% | 6,731 |
| Cost of funding earning assets | 0.5304% | 3,771 |
| Net interest margin | 2.1746% | 6,773 |
| Noninterest income to average assets | 0.5684% | 3,319 |
| Noninterest expense to average assets | 3.3289% | 2,014 |
| Loan and lease loss provision to assets | 0.1299% | 2,623 |
| Net operating income to assets | -0.8931% | 6,783 |
| Return on assets (ROA) | -0.8931% | 6,796 |
| Pretax return on assets | -0.8931% | 6,775 |
| Return on Equity (ROE) | -12.1379% | 6,838 |
| Retained earnings to average equity (ytd only) | -12.1379% | 6,684 |
| Net charge-offs to loans | -0.2163% | 6,699 |
| Credit loss provision to net charge-offs | -160.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7468% | 152 |
| Assets per employee ($millions) | 2.6206% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 1,250 |
| Loan loss allowance to noncurrent loans | 88.0851% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 3,552 |
| Noncurrent loans to loans | 2.7272% | 1,870 |
| Net loans and leases to total assets | 35.6583% | 6,322 |
| Net loans and leases to deposits | 38.7343% | 6,476 |
| Net loans and leases to core deposits | 38.7343% | 6,536 |
| Total domestic deposits to total assets | 92.0585% | 238 |
| Equity capital to assets | 7.5641% | 6,572 |
| Core capital (leverage) ratio | 7.2793% | 6,555 |
| Tier 1 risk-based capital ratio | 21.3822% | 1,451 |
| Total risk-based capital ratio | 22.6563% | 1,420 |
| Memoranda: | ||
| Average total assets | $24,632,500 | 6,824 |
| Average earning assets | $22,624,500 | 6,799 |
| Average equity | $1,812,500 | 6,912 |
| Average total loans | $9,247,500 | 6,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 6,621 |
| Cost of funding earning assets | 0.6820% | 3,638 |
| Net interest margin | 2.5787% | 6,651 |
| Noninterest income to average assets | 0.4225% | 4,436 |
| Noninterest expense to average assets | 4.5438% | 553 |
| Loan and lease loss provision to assets | 0.3224% | 2,113 |
| Net operating income to assets | -2.0755% | 6,939 |
| Return on assets (ROA) | -2.0384% | 6,939 |
| Pretax return on assets | -2.0384% | 6,930 |
| Return on Equity (ROE) | -24.7124% | 6,924 |
| Retained earnings to average equity (ytd only) | -24.7124% | 6,896 |
| Net charge-offs to loans | 0.8512% | 1,350 |
| Credit loss provision to net charge-offs | 86.1386% | 3,616 |
| Earnings coverage of net charge-offs (x) | -4.6832% | 5,904 |
| Efficiency ratio | 115.8035% | 251 |
| Assets per employee ($millions) | 2.8533% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 2,088 |
| Loan loss allowance to noncurrent loans | 84.0517% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 3,815 |
| Noncurrent loans to loans | 2.3487% | 2,289 |
| Net loans and leases to total assets | 37.7064% | 6,326 |
| Net loans and leases to deposits | 40.7671% | 6,514 |
| Net loans and leases to core deposits | 40.7671% | 6,591 |
| Total domestic deposits to total assets | 92.4922% | 171 |
| Equity capital to assets | 7.1690% | 6,734 |
| Core capital (leverage) ratio | 7.0907% | 6,674 |
| Tier 1 risk-based capital ratio | 19.1245% | 1,926 |
| Total risk-based capital ratio | 20.3856% | 1,894 |
| Memoranda: | ||
| Average total assets | $26,982,000 | 6,821 |
| Average earning assets | $24,780,000 | 6,794 |
| Average equity | $2,225,600 | 6,923 |
| Average total loans | $11,865,800 | 6,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 6,707 |
| Cost of funding earning assets | 0.7037% | 3,737 |
| Net interest margin | 2.6243% | 6,736 |
| Noninterest income to average assets | 0.3759% | 4,817 |
| Noninterest expense to average assets | 3.0321% | 3,119 |
| Loan and lease loss provision to assets | 0.3906% | 1,645 |
| Net operating income to assets | -0.6250% | 6,747 |
| Return on assets (ROA) | -0.5761% | 6,756 |
| Pretax return on assets | -0.5761% | 6,735 |
| Return on Equity (ROE) | -6.7764% | 6,782 |
| Retained earnings to average equity (ytd only) | -6.7764% | 6,709 |
| Net charge-offs to loans | 1.0892% | 943 |
| Credit loss provision to net charge-offs | 79.2079% | 3,647 |
| Earnings coverage of net charge-offs (x) | -0.4753% | 5,489 |
| Efficiency ratio | 108.3770% | 334 |
| Assets per employee ($millions) | 3.6194% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,848 |
| Loan loss allowance to noncurrent loans | 83.9286% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,132 |
| Noncurrent loans to loans | 2.1264% | 2,697 |
| Net loans and leases to total assets | 40.8352% | 6,215 |
| Net loans and leases to deposits | 45.0571% | 6,454 |
| Net loans and leases to core deposits | 45.0571% | 6,560 |
| Total domestic deposits to total assets | 90.6299% | 546 |
| Equity capital to assets | 8.9754% | 5,849 |
| Core capital (leverage) ratio | 7.1345% | 6,766 |
| Tier 1 risk-based capital ratio | 18.9705% | 2,019 |
| Total risk-based capital ratio | 20.2290% | 1,988 |
| Memoranda: | ||
| Average total assets | $27,307,500 | 6,905 |
| Average earning assets | $25,200,000 | 6,869 |
| Average equity | $2,321,750 | 7,003 |
| Average total loans | $12,362,750 | 6,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 6,769 |
| Cost of funding earning assets | 0.7304% | 3,767 |
| Net interest margin | 2.6263% | 6,800 |
| Noninterest income to average assets | 0.2718% | 5,631 |
| Noninterest expense to average assets | 3.1111% | 2,892 |
| Loan and lease loss provision to assets | 0.5149% | 1,223 |
| Net operating income to assets | -0.9369% | 6,889 |
| Return on assets (ROA) | -0.8654% | 6,901 |
| Pretax return on assets | -0.8654% | 6,867 |
| Return on Equity (ROE) | -10.3522% | 6,910 |
| Retained earnings to average equity (ytd only) | -10.3522% | 6,842 |
| Net charge-offs to loans | 1.6034% | 585 |
| Credit loss provision to net charge-offs | 69.2308% | 3,578 |
| Earnings coverage of net charge-offs (x) | -0.5673% | 5,251 |
| Efficiency ratio | 115.6915% | 260 |
| Assets per employee ($millions) | 3.8174% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,973 |
| Loan loss allowance to noncurrent loans | 1,173.3333% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,143 |
| Noncurrent loans to loans | 0.1286% | 6,343 |
| Net loans and leases to total assets | 42.9833% | 6,111 |
| Net loans and leases to deposits | 47.1549% | 6,366 |
| Net loans and leases to core deposits | 47.1549% | 6,504 |
| Total domestic deposits to total assets | 91.1534% | 405 |
| Equity capital to assets | 8.4799% | 6,230 |
| Core capital (leverage) ratio | 6.8410% | 6,856 |
| Tier 1 risk-based capital ratio | 16.8597% | 2,736 |
| Total risk-based capital ratio | 18.1559% | 2,672 |
| Memoranda: | ||
| Average total assets | $27,964,670 | 6,948 |
| Average earning assets | $25,740,000 | 6,907 |
| Average equity | $2,337,670 | 7,048 |
| Average total loans | $12,972,330 | 6,885 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 6,812 |
| Cost of funding earning assets | 0.7999% | 3,473 |
| Net interest margin | 2.5997% | 6,873 |
| Noninterest income to average assets | 0.4758% | 4,098 |
| Noninterest expense to average assets | 3.0784% | 2,989 |
| Loan and lease loss provision to assets | 0.6577% | 823 |
| Net operating income to assets | -0.8955% | 6,979 |
| Return on assets (ROA) | -0.8955% | 6,993 |
| Pretax return on assets | -0.8955% | 6,952 |
| Return on Equity (ROE) | -10.7858% | 7,003 |
| Retained earnings to average equity (ytd only) | -10.7858% | 6,862 |
| Net charge-offs to loans | 2.3188% | 368 |
| Credit loss provision to net charge-offs | 59.4937% | 3,129 |
| Earnings coverage of net charge-offs (x) | -0.2152% | 4,441 |
| Efficiency ratio | 108.3744% | 365 |
| Assets per employee ($millions) | 3.4158% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,828 |
| Loan loss allowance to noncurrent loans | 272.3077% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 5,050 |
| Noncurrent loans to loans | 0.4937% | 5,688 |
| Net loans and leases to total assets | 47.5335% | 5,621 |
| Net loans and leases to deposits | 53.0770% | 5,895 |
| Net loans and leases to core deposits | 53.0770% | 6,121 |
| Total domestic deposits to total assets | 89.5557% | 1,334 |
| Equity capital to assets | 8.5633% | 6,027 |
| Core capital (leverage) ratio | 6.8170% | 6,902 |
| Tier 1 risk-based capital ratio | 15.2305% | 3,604 |
| Total risk-based capital ratio | 16.5339% | 3,524 |
| Memoranda: | ||
| Average total assets | $28,586,000 | 6,989 |
| Average earning assets | $26,003,500 | 6,957 |
| Average equity | $2,373,500 | 7,096 |
| Average total loans | $13,627,500 | 6,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 6,010 |
| Cost of funding earning assets | 0.9383% | 3,804 |
| Net interest margin | 3.2778% | 5,880 |
| Noninterest income to average assets | 0.4306% | 4,371 |
| Noninterest expense to average assets | 3.4898% | 2,011 |
| Loan and lease loss provision to assets | 1.1645% | 769 |
| Net operating income to assets | -1.2544% | 6,837 |
| Return on assets (ROA) | -1.2544% | 6,858 |
| Pretax return on assets | -1.2544% | 6,828 |
| Return on Equity (ROE) | -12.8559% | 6,829 |
| Retained earnings to average equity (ytd only) | -12.8559% | 6,802 |
| Net charge-offs to loans | 2.1989% | 588 |
| Credit loss provision to net charge-offs | 89.6254% | 4,021 |
| Earnings coverage of net charge-offs (x) | -0.0692% | 5,878 |
| Efficiency ratio | 102.6432% | 601 |
| Assets per employee ($millions) | 3.7308% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,121 |
| Loan loss allowance to noncurrent loans | 108.9005% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 4,510 |
| Noncurrent loans to loans | 1.3557% | 4,112 |
| Net loans and leases to total assets | 46.5087% | 5,965 |
| Net loans and leases to deposits | 51.5677% | 6,249 |
| Net loans and leases to core deposits | 51.5677% | 6,452 |
| Total domestic deposits to total assets | 90.1896% | 885 |
| Equity capital to assets | 8.0647% | 6,527 |
| Core capital (leverage) ratio | 7.4336% | 6,682 |
| Tier 1 risk-based capital ratio | 13.8861% | 4,410 |
| Total risk-based capital ratio | 15.1356% | 4,369 |
| Memoranda: | ||
| Average total assets | $26,706,600 | 7,055 |
| Average earning assets | $24,193,400 | 7,033 |
| Average equity | $2,605,800 | 7,093 |
| Average total loans | $15,780,800 | 6,864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 5,484 |
| Cost of funding earning assets | 0.9707% | 3,886 |
| Net interest margin | 3.4628% | 5,347 |
| Noninterest income to average assets | 0.4938% | 3,919 |
| Noninterest expense to average assets | 3.6622% | 1,578 |
| Loan and lease loss provision to assets | 1.5225% | 447 |
| Net operating income to assets | -1.5534% | 7,055 |
| Return on assets (ROA) | -1.5534% | 7,066 |
| Pretax return on assets | -1.5534% | 7,030 |
| Return on Equity (ROE) | -15.1632% | 7,020 |
| Retained earnings to average equity (ytd only) | -15.1632% | 6,995 |
| Net charge-offs to loans | 2.8553% | 343 |
| Credit loss provision to net charge-offs | 85.3026% | 3,954 |
| Earnings coverage of net charge-offs (x) | -0.0173% | 5,614 |
| Efficiency ratio | 100.8499% | 639 |
| Assets per employee ($millions) | 3.2801% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,671 |
| Loan loss allowance to noncurrent loans | 64.7651% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 2,960 |
| Noncurrent loans to loans | 2.1202% | 3,219 |
| Net loans and leases to total assets | 52.8257% | 5,346 |
| Net loans and leases to deposits | 59.5984% | 5,679 |
| Net loans and leases to core deposits | 59.5984% | 6,018 |
| Total domestic deposits to total assets | 88.6361% | 1,669 |
| Equity capital to assets | 9.2908% | 5,398 |
| Core capital (leverage) ratio | 7.7810% | 6,583 |
| Tier 1 risk-based capital ratio | 14.7615% | 3,798 |
| Total risk-based capital ratio | 16.0151% | 3,772 |
| Memoranda: | ||
| Average total assets | $25,921,750 | 7,145 |
| Average earning assets | $23,487,000 | 7,137 |
| Average equity | $2,655,500 | 7,151 |
| Average total loans | $16,203,750 | 6,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 5,051 |
| Cost of funding earning assets | 0.9670% | 4,196 |
| Net interest margin | 3.6135% | 4,668 |
| Noninterest income to average assets | 0.4106% | 4,590 |
| Noninterest expense to average assets | 3.3159% | 2,507 |
| Loan and lease loss provision to assets | 0.2324% | 3,583 |
| Net operating income to assets | 0.1627% | 5,850 |
| Return on assets (ROA) | 0.1627% | 5,946 |
| Pretax return on assets | 0.1627% | 5,997 |
| Return on Equity (ROE) | 1.5396% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.5396% | 5,211 |
| Net charge-offs to loans | 0.6265% | 2,267 |
| Credit loss provision to net charge-offs | 56.6038% | 4,427 |
| Earnings coverage of net charge-offs (x) | 0.9623% | 4,575 |
| Efficiency ratio | 89.3528% | 1,294 |
| Assets per employee ($millions) | 3.2069% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 4,534 |
| Loan loss allowance to noncurrent loans | 44.2000% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.8493% | 2,354 |
| Noncurrent loans to loans | 3.1839% | 2,252 |
| Net loans and leases to total assets | 60.3508% | 4,206 |
| Net loans and leases to deposits | 69.2256% | 4,534 |
| Net loans and leases to core deposits | 69.2256% | 5,158 |
| Total domestic deposits to total assets | 87.1799% | 2,637 |
| Equity capital to assets | 10.7425% | 3,238 |
| Core capital (leverage) ratio | 9.2042% | 4,396 |
| Tier 1 risk-based capital ratio | 12.3432% | 5,482 |
| Total risk-based capital ratio | 13.5230% | 5,529 |
| Memoranda: | ||
| Average total assets | $25,815,330 | 7,217 |
| Average earning assets | $23,578,000 | 7,198 |
| Average equity | $2,728,000 | 7,198 |
| Average total loans | $16,920,000 | 6,944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 4,304 |
| Cost of funding earning assets | 1.0039% | 4,177 |
| Net interest margin | 3.7432% | 3,879 |
| Noninterest income to average assets | 0.2935% | 5,570 |
| Noninterest expense to average assets | 3.3674% | 2,362 |
| Loan and lease loss provision to assets | 0.2317% | 3,333 |
| Net operating income to assets | 0.0927% | 6,112 |
| Return on assets (ROA) | 0.0927% | 6,163 |
| Pretax return on assets | 0.0927% | 6,186 |
| Return on Equity (ROE) | 0.8843% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.8843% | 5,473 |
| Net charge-offs to loans | -0.0228% | 6,615 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2134% | 1,225 |
| Assets per employee ($millions) | 2.7632% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,998 |
| Loan loss allowance to noncurrent loans | 47.3588% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 3.2048% | 2,150 |
| Noncurrent loans to loans | 3.2568% | 2,310 |
| Net loans and leases to total assets | 66.7377% | 2,828 |
| Net loans and leases to deposits | 76.8131% | 3,283 |
| Net loans and leases to core deposits | 76.8131% | 4,193 |
| Total domestic deposits to total assets | 86.8833% | 3,005 |
| Equity capital to assets | 10.9454% | 2,743 |
| Core capital (leverage) ratio | 9.0093% | 4,601 |
| Tier 1 risk-based capital ratio | 14.7025% | 3,608 |
| Total risk-based capital ratio | 15.9565% | 3,562 |
| Memoranda: | ||
| Average total assets | $25,895,500 | 7,265 |
| Average earning assets | $23,509,000 | 7,246 |
| Average equity | $2,714,000 | 7,241 |
| Average total loans | $17,528,000 | 6,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 3,739 |
| Cost of funding earning assets | 1.1426% | 4,890 |
| Net interest margin | 4.0297% | 2,888 |
| Noninterest income to average assets | 0.4609% | 4,436 |
| Noninterest expense to average assets | 3.9247% | 1,270 |
| Loan and lease loss provision to assets | 0.7470% | 2,199 |
| Net operating income to assets | -0.5538% | 6,421 |
| Return on assets (ROA) | -0.4832% | 6,407 |
| Pretax return on assets | -0.4832% | 6,304 |
| Return on Equity (ROE) | -4.6705% | 6,406 |
| Retained earnings to average equity (ytd only) | -5.2813% | 6,330 |
| Net charge-offs to loans | 0.8347% | 2,545 |
| Credit loss provision to net charge-offs | 123.3129% | 3,368 |
| Earnings coverage of net charge-offs (x) | 0.3190% | 5,791 |
| Efficiency ratio | 95.3069% | 996 |
| Assets per employee ($millions) | 2.9913% | 6,116 |
| Cash dividends to net income (ytd only)* | -13.0769% | 7,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,773 |
| Loan loss allowance to noncurrent loans | 44.8718% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.3430% | 2,106 |
| Noncurrent loans to loans | 3.0002% | 2,551 |
| Net loans and leases to total assets | 66.6890% | 3,303 |
| Net loans and leases to deposits | 75.8353% | 3,870 |
| Net loans and leases to core deposits | 75.8353% | 4,744 |
| Total domestic deposits to total assets | 87.9392% | 2,285 |
| Equity capital to assets | 10.0513% | 3,685 |
| Core capital (leverage) ratio | 8.6948% | 5,029 |
| Tier 1 risk-based capital ratio | 13.3797% | 4,308 |
| Total risk-based capital ratio | 14.6236% | 4,271 |
| Memoranda: | ||
| Average total assets | $26,906,400 | 7,294 |
| Average earning assets | $24,418,600 | 7,272 |
| Average equity | $2,783,400 | 7,331 |
| Average total loans | $19,528,600 | 6,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 3,351 |
| Cost of funding earning assets | 1.1715% | 5,028 |
| Net interest margin | 4.1302% | 2,489 |
| Noninterest income to average assets | 0.4758% | 4,370 |
| Noninterest expense to average assets | 3.8211% | 1,341 |
| Loan and lease loss provision to assets | 0.9069% | 1,671 |
| Net operating income to assets | -0.4956% | 6,586 |
| Return on assets (ROA) | -0.4758% | 6,617 |
| Pretax return on assets | -0.4758% | 6,531 |
| Return on Equity (ROE) | -4.5669% | 6,619 |
| Retained earnings to average equity (ytd only) | -4.5669% | 6,525 |
| Net charge-offs to loans | 0.3088% | 4,106 |
| Credit loss provision to net charge-offs | 397.8261% | 764 |
| Earnings coverage of net charge-offs (x) | 1.8043% | 4,359 |
| Efficiency ratio | 90.2810% | 1,266 |
| Assets per employee ($millions) | 2.8403% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 2,715 |
| Loan loss allowance to noncurrent loans | 57.8151% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 3.1373% | 2,300 |
| Noncurrent loans to loans | 3.1516% | 2,525 |
| Net loans and leases to total assets | 72.5071% | 2,130 |
| Net loans and leases to deposits | 83.5136% | 2,789 |
| Net loans and leases to core deposits | 83.5136% | 4,020 |
| Total domestic deposits to total assets | 86.8208% | 2,635 |
| Equity capital to assets | 10.9964% | 2,964 |
| Core capital (leverage) ratio | 8.7854% | 5,038 |
| Tier 1 risk-based capital ratio | 13.8777% | 3,933 |
| Total risk-based capital ratio | 15.1398% | 3,895 |
| Memoranda: | ||
| Average total assets | $26,902,500 | 7,388 |
| Average earning assets | $24,469,500 | 7,361 |
| Average equity | $2,802,750 | 7,419 |
| Average total loans | $19,861,000 | 7,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 3,233 |
| Cost of funding earning assets | 1.2174% | 5,035 |
| Net interest margin | 4.1280% | 2,438 |
| Noninterest income to average assets | 0.5631% | 3,604 |
| Noninterest expense to average assets | 3.7296% | 1,497 |
| Loan and lease loss provision to assets | 1.5357% | 856 |
| Net operating income to assets | -0.9580% | 6,927 |
| Return on assets (ROA) | -0.9580% | 6,945 |
| Pretax return on assets | -0.9580% | 6,869 |
| Return on Equity (ROE) | -9.3571% | 6,943 |
| Retained earnings to average equity (ytd only) | -9.3571% | 6,885 |
| Net charge-offs to loans | 0.3665% | 3,528 |
| Credit loss provision to net charge-offs | 567.5676% | 653 |
| Earnings coverage of net charge-offs (x) | 2.1351% | 3,951 |
| Efficiency ratio | 86.5874% | 1,644 |
| Assets per employee ($millions) | 3.3215% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 2,371 |
| Loan loss allowance to noncurrent loans | 55.0725% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.7709% | 1,851 |
| Noncurrent loans to loans | 3.4845% | 2,273 |
| Net loans and leases to total assets | 73.0920% | 2,144 |
| Net loans and leases to deposits | 83.5570% | 2,962 |
| Net loans and leases to core deposits | 83.5570% | 4,201 |
| Total domestic deposits to total assets | 87.4755% | 2,267 |
| Equity capital to assets | 10.4245% | 3,501 |
| Core capital (leverage) ratio | 8.6438% | 5,167 |
| Tier 1 risk-based capital ratio | 12.8425% | 4,570 |
| Total risk-based capital ratio | 14.1011% | 4,522 |
| Memoranda: | ||
| Average total assets | $27,349,000 | 7,433 |
| Average earning assets | $24,806,330 | 7,410 |
| Average equity | $2,800,000 | 7,474 |
| Average total loans | $20,188,330 | 7,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 3,361 |
| Cost of funding earning assets | 1.2669% | 5,025 |
| Net interest margin | 4.0698% | 2,568 |
| Noninterest income to average assets | 0.5047% | 4,015 |
| Noninterest expense to average assets | 3.6629% | 1,592 |
| Loan and lease loss provision to assets | 2.7111% | 378 |
| Net operating income to assets | -2.1631% | 7,496 |
| Return on assets (ROA) | -2.1631% | 7,501 |
| Pretax return on assets | -2.1631% | 7,448 |
| Return on Equity (ROE) | -21.3144% | 7,460 |
| Retained earnings to average equity (ytd only) | -21.3144% | 7,401 |
| Net charge-offs to loans | 0.6280% | 2,249 |
| Credit loss provision to net charge-offs | 587.5000% | 743 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 4,057 |
| Efficiency ratio | 86.9863% | 1,686 |
| Assets per employee ($millions) | 2.9687% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,805 |
| Loan loss allowance to noncurrent loans | 65.0538% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.5220% | 1,997 |
| Noncurrent loans to loans | 2.7302% | 2,920 |
| Net loans and leases to total assets | 75.1366% | 1,707 |
| Net loans and leases to deposits | 85.7356% | 2,637 |
| Net loans and leases to core deposits | 85.7356% | 3,939 |
| Total domestic deposits to total assets | 87.6375% | 2,271 |
| Equity capital to assets | 10.2440% | 3,543 |
| Core capital (leverage) ratio | 8.3217% | 5,702 |
| Tier 1 risk-based capital ratio | 11.9694% | 5,227 |
| Total risk-based capital ratio | 13.2260% | 5,182 |
| Memoranda: | ||
| Average total assets | $27,737,500 | 7,513 |
| Average earning assets | $25,259,500 | 7,483 |
| Average equity | $2,815,000 | 7,547 |
| Average total loans | $20,381,500 | 7,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 4,149 |
| Cost of funding earning assets | 1.6749% | 4,641 |
| Net interest margin | 3.8234% | 3,606 |
| Noninterest income to average assets | 1.0440% | 1,427 |
| Noninterest expense to average assets | 3.7070% | 1,898 |
| Loan and lease loss provision to assets | 0.4056% | 4,382 |
| Net operating income to assets | 0.3774% | 4,222 |
| Return on assets (ROA) | 0.3774% | 4,322 |
| Pretax return on assets | 0.3774% | 4,559 |
| Return on Equity (ROE) | 3.7259% | 4,195 |
| Retained earnings to average equity (ytd only) | 2.0893% | 3,642 |
| Net charge-offs to loans | 1.1350% | 2,154 |
| Credit loss provision to net charge-offs | 50.0000% | 6,745 |
| Earnings coverage of net charge-offs (x) | 0.9652% | 5,150 |
| Efficiency ratio | 78.6332% | 3,105 |
| Assets per employee ($millions) | 3.1952% | 5,732 |
| Cash dividends to net income (ytd only)* | 43.9252% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,277 |
| Loan loss allowance to noncurrent loans | 29.2786% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 3.0636% | 2,275 |
| Noncurrent loans to loans | 3.4785% | 2,186 |
| Net loans and leases to total assets | 69.9586% | 3,267 |
| Net loans and leases to deposits | 79.5398% | 4,082 |
| Net loans and leases to core deposits | 85.8643% | 5,530 |
| Total domestic deposits to total assets | 87.9542% | 1,990 |
| Equity capital to assets | 10.0602% | 3,682 |
| Core capital (leverage) ratio | 8.8516% | 4,680 |
| Tier 1 risk-based capital ratio | 12.3733% | 4,620 |
| Total risk-based capital ratio | 13.4326% | 4,750 |
| Memoranda: | ||
| Average total assets | $28,351,600 | 7,532 |
| Average earning assets | $25,553,200 | 7,520 |
| Average equity | $2,871,800 | 7,624 |
| Average total loans | $20,265,200 | 7,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 4,084 |
| Cost of funding earning assets | 1.7718% | 4,514 |
| Net interest margin | 3.7907% | 3,694 |
| Noninterest income to average assets | 0.6843% | 3,124 |
| Noninterest expense to average assets | 3.4925% | 2,305 |
| Loan and lease loss provision to assets | 0.1652% | 5,706 |
| Net operating income to assets | 0.4295% | 4,276 |
| Return on assets (ROA) | 0.4295% | 4,379 |
| Pretax return on assets | 0.4295% | 4,718 |
| Return on Equity (ROE) | 4.2327% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.5582% | 3,886 |
| Net charge-offs to loans | 1.1851% | 1,710 |
| Credit loss provision to net charge-offs | 19.4444% | 6,579 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 5,336 |
| Efficiency ratio | 85.4503% | 2,133 |
| Assets per employee ($millions) | 2.5453% | 7,152 |
| Cash dividends to net income (ytd only)* | 39.5615% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 6,912 |
| Loan loss allowance to noncurrent loans | 24.9647% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 3.1145% | 2,198 |
| Noncurrent loans to loans | 3.4631% | 2,160 |
| Net loans and leases to total assets | 72.4909% | 2,918 |
| Net loans and leases to deposits | 82.0372% | 4,017 |
| Net loans and leases to core deposits | 88.1400% | 5,631 |
| Total domestic deposits to total assets | 88.3635% | 1,488 |
| Equity capital to assets | 10.3257% | 3,701 |
| Core capital (leverage) ratio | 8.4152% | 5,646 |
| Tier 1 risk-based capital ratio | 11.8120% | 5,150 |
| Total risk-based capital ratio | 12.6918% | 5,435 |
| Memoranda: | ||
| Average total assets | $28,250,250 | 7,601 |
| Average earning assets | $25,359,500 | 7,596 |
| Average equity | $2,866,500 | 7,699 |
| Average total loans | $20,250,250 | 7,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,916 |
| Cost of funding earning assets | 1.8294% | 4,609 |
| Net interest margin | 3.8002% | 3,552 |
| Noninterest income to average assets | 0.6706% | 3,191 |
| Noninterest expense to average assets | 3.3528% | 2,779 |
| Loan and lease loss provision to assets | 0.1412% | 5,661 |
| Net operating income to assets | 0.5929% | 3,705 |
| Return on assets (ROA) | 0.5929% | 3,814 |
| Pretax return on assets | 0.5929% | 4,340 |
| Return on Equity (ROE) | 5.8776% | 3,708 |
| Retained earnings to average equity (ytd only) | 3.3586% | 3,455 |
| Net charge-offs to loans | 1.7843% | 1,061 |
| Credit loss provision to net charge-offs | 11.1111% | 6,181 |
| Earnings coverage of net charge-offs (x) | 0.5778% | 5,134 |
| Efficiency ratio | 82.0380% | 2,719 |
| Assets per employee ($millions) | 2.5957% | 7,061 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,188 |
| Loan loss allowance to noncurrent loans | 30.3371% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.4446% | 2,640 |
| Noncurrent loans to loans | 2.6008% | 2,788 |
| Net loans and leases to total assets | 71.3410% | 3,396 |
| Net loans and leases to deposits | 80.4090% | 4,484 |
| Net loans and leases to core deposits | 86.2259% | 5,882 |
| Total domestic deposits to total assets | 88.7227% | 1,418 |
| Equity capital to assets | 10.0480% | 3,874 |
| Core capital (leverage) ratio | 8.4730% | 5,490 |
| Tier 1 risk-based capital ratio | 11.6842% | 5,212 |
| Total risk-based capital ratio | 12.4876% | 5,568 |
| Memoranda: | ||
| Average total assets | $28,334,330 | 7,669 |
| Average earning assets | $25,472,330 | 7,659 |
| Average equity | $2,858,330 | 7,772 |
| Average total loans | $20,176,000 | 7,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 3,541 |
| Cost of funding earning assets | 1.9054% | 4,601 |
| Net interest margin | 3.8424% | 3,288 |
| Noninterest income to average assets | 0.6944% | 2,923 |
| Noninterest expense to average assets | 3.3871% | 2,395 |
| Loan and lease loss provision to assets | 0.1275% | 5,325 |
| Net operating income to assets | 0.6377% | 3,849 |
| Return on assets (ROA) | 0.6377% | 4,032 |
| Pretax return on assets | 0.6377% | 4,627 |
| Return on Equity (ROE) | 6.3091% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.3091% | 2,493 |
| Net charge-offs to loans | 0.1000% | 4,174 |
| Credit loss provision to net charge-offs | 180.0000% | 2,412 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,921 |
| Efficiency ratio | 81.5700% | 2,597 |
| Assets per employee ($millions) | 2.5635% | 7,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 2,273 |
| Loan loss allowance to noncurrent loans | 44.0541% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 3.0001% | 1,882 |
| Noncurrent loans to loans | 3.7646% | 1,643 |
| Net loans and leases to total assets | 68.5521% | 4,007 |
| Net loans and leases to deposits | 77.3580% | 5,034 |
| Net loans and leases to core deposits | 80.3083% | 6,359 |
| Total domestic deposits to total assets | 88.6166% | 1,415 |
| Equity capital to assets | 10.1706% | 3,797 |
| Core capital (leverage) ratio | 8.3168% | 5,873 |
| Tier 1 risk-based capital ratio | 11.5921% | 5,317 |
| Total risk-based capital ratio | 12.8478% | 5,209 |
| Memoranda: | ||
| Average total assets | $28,225,000 | 7,717 |
| Average earning assets | $25,401,000 | 7,710 |
| Average equity | $2,853,000 | 7,824 |
| Average total loans | $19,998,000 | 7,360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2891% | 4,026 |
| Cost of funding earning assets | 2.5697% | 3,849 |
| Net interest margin | 3.7195% | 4,388 |
| Noninterest income to average assets | 0.6580% | 3,414 |
| Noninterest expense to average assets | 3.2534% | 3,144 |
| Loan and lease loss provision to assets | 0.2831% | 4,125 |
| Net operating income to assets | 0.4595% | 4,911 |
| Return on assets (ROA) | 0.4595% | 4,730 |
| Pretax return on assets | 0.4632% | 5,090 |
| Return on Equity (ROE) | 4.4126% | 4,635 |
| Retained earnings to average equity (ytd only) | 0.4942% | 4,943 |
| Net charge-offs to loans | 0.0576% | 5,951 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 18.4545% | 1,703 |
| Efficiency ratio | 81.3419% | 2,396 |
| Assets per employee ($millions) | 2.3543% | 7,481 |
| Cash dividends to net income (ytd only)* | 88.8000% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 2,333 |
| Loan loss allowance to noncurrent loans | 40.5303% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 2.8034% | 1,674 |
| Noncurrent loans to loans | 3.8940% | 1,269 |
| Net loans and leases to total assets | 70.8577% | 3,825 |
| Net loans and leases to deposits | 79.8198% | 5,075 |
| Net loans and leases to core deposits | 82.1588% | 6,449 |
| Total domestic deposits to total assets | 88.7721% | 1,122 |
| Equity capital to assets | 10.0457% | 3,981 |
| Core capital (leverage) ratio | 8.5157% | 5,550 |
| Tier 1 risk-based capital ratio | 11.6519% | 5,094 |
| Total risk-based capital ratio | 12.9039% | 4,989 |
| Memoranda: | ||
| Average total assets | $27,202,400 | 7,758 |
| Average earning assets | $24,439,000 | 7,767 |
| Average equity | $2,832,800 | 7,886 |
| Average total loans | $19,107,600 | 7,395 |