Home > Dakota Heritage State Bank > Performance and Condition Ratios
Dakota Heritage State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 3,273 |
| Cost of funding earning assets | 0.7394% | 3,438 |
| Net interest margin | 3.8444% | 3,145 |
| Noninterest income to average assets | 0.3406% | 5,083 |
| Noninterest expense to average assets | 2.9110% | 3,549 |
| Loan and lease loss provision to assets | 0.0372% | 5,308 |
| Net operating income to assets | 0.8346% | 3,288 |
| Return on assets (ROA) | 1.0219% | 2,629 |
| Pretax return on assets | 1.0653% | 3,481 |
| Return on Equity (ROE) | 8.6680% | 2,967 |
| Retained earnings to average equity (ytd only) | -9.7187% | 6,805 |
| Net charge-offs to loans | 0.0081% | 5,608 |
| Credit loss provision to net charge-offs | 600.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 146.3146% | 304 |
| Efficiency ratio | 69.2620% | 3,825 |
| Assets per employee ($millions) | 4.5583% | 2,810 |
| Cash dividends to net income (ytd only)* | 212.1207% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0259% | 7,113 |
| Loan loss allowance to noncurrent loans | 12.9870% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 6,281 |
| Noncurrent loans to loans | 0.1996% | 6,108 |
| Net loans and leases to total assets | 84.6061% | 199 |
| Net loans and leases to deposits | 100.3591% | 420 |
| Net loans and leases to core deposits | 115.0022% | 404 |
| Total domestic deposits to total assets | 84.3034% | 4,077 |
| Equity capital to assets | 10.3723% | 3,985 |
| Core capital (leverage) ratio | 8.6640% | 5,532 |
| Tier 1 risk-based capital ratio | 9.8986% | 6,816 |
| Total risk-based capital ratio | 9.9249% | 6,968 |
| Memoranda: | ||
| Average total assets | $43,054,500 | 6,465 |
| Average earning assets | $38,947,500 | 6,469 |
| Average equity | $5,076,000 | 6,339 |
| Average total loans | $32,987,500 | 5,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 4,020 |
| Cost of funding earning assets | 0.7764% | 3,393 |
| Net interest margin | 3.6653% | 3,973 |
| Noninterest income to average assets | 0.3743% | 4,843 |
| Noninterest expense to average assets | 2.7481% | 4,224 |
| Loan and lease loss provision to assets | 0.0569% | 4,949 |
| Net operating income to assets | 0.8168% | 3,317 |
| Return on assets (ROA) | 1.0329% | 2,549 |
| Pretax return on assets | 1.0850% | 3,358 |
| Return on Equity (ROE) | 8.3975% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.3975% | 1,483 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6585% | 4,196 |
| Assets per employee ($millions) | 4.3306% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0336% | 7,180 |
| Loan loss allowance to noncurrent loans | 14.6341% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 4,813 |
| Noncurrent loans to loans | 0.2298% | 6,117 |
| Net loans and leases to total assets | 82.3696% | 315 |
| Net loans and leases to deposits | 95.3133% | 670 |
| Net loans and leases to core deposits | 113.9721% | 451 |
| Total domestic deposits to total assets | 86.4199% | 3,124 |
| Equity capital to assets | 12.3031% | 1,931 |
| Core capital (leverage) ratio | 10.0992% | 3,279 |
| Tier 1 risk-based capital ratio | 12.3400% | 5,693 |
| Total risk-based capital ratio | 12.3740% | 6,413 |
| Memoranda: | ||
| Average total assets | $42,211,670 | 6,534 |
| Average earning assets | $37,868,330 | 6,558 |
| Average equity | $5,192,000 | 6,338 |
| Average total loans | $31,124,670 | 6,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 3,800 |
| Cost of funding earning assets | 0.8068% | 3,423 |
| Net interest margin | 3.7220% | 3,728 |
| Noninterest income to average assets | 0.3264% | 5,256 |
| Noninterest expense to average assets | 2.6977% | 4,431 |
| Loan and lease loss provision to assets | 0.0864% | 4,298 |
| Net operating income to assets | 0.8160% | 3,315 |
| Return on assets (ROA) | 0.8160% | 3,547 |
| Pretax return on assets | 0.8640% | 4,174 |
| Return on Equity (ROE) | 6.6354% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.6354% | 2,615 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3158% | 4,501 |
| Assets per employee ($millions) | 4.3798% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0314% | 7,237 |
| Loan loss allowance to noncurrent loans | 8.8235% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 4,877 |
| Noncurrent loans to loans | 0.3561% | 5,961 |
| Net loans and leases to total assets | 65.3843% | 2,582 |
| Net loans and leases to deposits | 75.2378% | 2,937 |
| Net loans and leases to core deposits | 86.1445% | 2,279 |
| Total domestic deposits to total assets | 86.9035% | 3,013 |
| Equity capital to assets | 11.8156% | 2,170 |
| Core capital (leverage) ratio | 10.3198% | 2,969 |
| Tier 1 risk-based capital ratio | 12.2485% | 5,796 |
| Total risk-based capital ratio | 12.2748% | 6,510 |
| Memoranda: | ||
| Average total assets | $41,664,500 | 6,617 |
| Average earning assets | $37,184,500 | 6,634 |
| Average equity | $5,124,000 | 6,390 |
| Average total loans | $28,845,500 | 6,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3092% | 7,345 |
| Cost of funding earning assets | 0.0612% | 7,322 |
| Net interest margin | 0.2479% | 7,345 |
| Noninterest income to average assets | 3.0769% | 205 |
| Noninterest expense to average assets | 0.3082% | 7,343 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.9653% | 88 |
| Return on assets (ROA) | 2.9653% | 89 |
| Pretax return on assets | 2.9945% | 124 |
| Return on Equity (ROE) | 24.8796% | 107 |
| Retained earnings to average equity (ytd only) | 24.8796% | 24 |
| Net charge-offs to loans | -0.0726% | 7,097 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.3323% | 7,347 |
| Assets per employee ($millions) | 3.9531% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 5,331 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.4740% | 1,361 |
| Net loans and leases to deposits | 85.6911% | 1,701 |
| Net loans and leases to core deposits | 96.2839% | 1,469 |
| Total domestic deposits to total assets | 85.7428% | 3,464 |
| Equity capital to assets | 12.8330% | 1,581 |
| Core capital (leverage) ratio | 10.8140% | 2,427 |
| Tier 1 risk-based capital ratio | 13.2505% | 4,873 |
| Total risk-based capital ratio | 13.2505% | 5,809 |
| Memoranda: | ||
| Average total assets | $37,635,200 | 6,750 |
| Average earning assets | $34,287,200 | 6,744 |
| Average equity | $4,485,600 | 6,602 |
| Average total loans | $27,565,600 | 6,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 1,975 |
| Cost of funding earning assets | 1.4570% | 1,002 |
| Net interest margin | 3.8086% | 3,828 |
| Noninterest income to average assets | 0.5238% | 3,701 |
| Noninterest expense to average assets | 2.7662% | 4,477 |
| Loan and lease loss provision to assets | 0.0179% | 6,214 |
| Net operating income to assets | 1.1983% | 1,656 |
| Return on assets (ROA) | 1.1983% | 1,770 |
| Pretax return on assets | 1.2378% | 2,494 |
| Return on Equity (ROE) | 10.2638% | 2,113 |
| Retained earnings to average equity (ytd only) | 7.0373% | 1,950 |
| Net charge-offs to loans | -0.1078% | 7,180 |
| Credit loss provision to net charge-offs | -22.7273% | 6,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7779% | 4,162 |
| Assets per employee ($millions) | 3.7562% | 4,397 |
| Cash dividends to net income (ytd only)* | 31.4381% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 4,405 |
| Loan loss allowance to noncurrent loans | 277.6978% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 6,150 |
| Noncurrent loans to loans | 0.5161% | 5,816 |
| Net loans and leases to total assets | 70.6778% | 1,947 |
| Net loans and leases to deposits | 81.8120% | 2,394 |
| Net loans and leases to core deposits | 89.9749% | 2,254 |
| Total domestic deposits to total assets | 86.3905% | 2,990 |
| Equity capital to assets | 12.0973% | 2,173 |
| Core capital (leverage) ratio | 11.7042% | 1,884 |
| Tier 1 risk-based capital ratio | 15.3215% | 3,481 |
| Total risk-based capital ratio | 16.5714% | 3,447 |
| Memoranda: | ||
| Average total assets | $37,161,250 | 6,822 |
| Average earning assets | $34,132,750 | 6,808 |
| Average equity | $4,338,750 | 6,693 |
| Average total loans | $27,195,750 | 6,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 1,888 |
| Cost of funding earning assets | 1.4760% | 1,085 |
| Net interest margin | 3.8248% | 3,670 |
| Noninterest income to average assets | 0.4051% | 4,635 |
| Noninterest expense to average assets | 2.8303% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0587% | 2,009 |
| Return on assets (ROA) | 1.0587% | 2,104 |
| Pretax return on assets | 1.1019% | 2,841 |
| Return on Equity (ROE) | 9.1796% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.2620% | 3,481 |
| Net charge-offs to loans | -0.1539% | 7,257 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9780% | 3,738 |
| Assets per employee ($millions) | 3.7531% | 4,313 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 6,401 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.3295% | 1,725 |
| Net loans and leases to deposits | 84.5960% | 2,017 |
| Net loans and leases to core deposits | 92.3051% | 2,089 |
| Total domestic deposits to total assets | 85.5000% | 3,624 |
| Equity capital to assets | 11.6357% | 2,379 |
| Core capital (leverage) ratio | 11.4580% | 1,942 |
| Tier 1 risk-based capital ratio | 14.3917% | 3,875 |
| Total risk-based capital ratio | 15.6405% | 3,846 |
| Memoranda: | ||
| Average total assets | $37,027,670 | 6,885 |
| Average earning assets | $34,145,670 | 6,867 |
| Average equity | $4,270,330 | 6,754 |
| Average total loans | $27,283,000 | 6,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 2,267 |
| Cost of funding earning assets | 1.5022% | 1,156 |
| Net interest margin | 3.6851% | 4,180 |
| Noninterest income to average assets | 0.4133% | 4,599 |
| Noninterest expense to average assets | 2.9149% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8810% | 2,660 |
| Return on assets (ROA) | 0.8810% | 2,720 |
| Pretax return on assets | 0.9136% | 3,451 |
| Return on Equity (ROE) | 7.6741% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,848 |
| Net charge-offs to loans | -0.2504% | 7,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1364% | 3,143 |
| Assets per employee ($millions) | 3.7137% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.0299% | 2,120 |
| Net loans and leases to deposits | 80.5395% | 2,606 |
| Net loans and leases to core deposits | 87.0498% | 2,728 |
| Total domestic deposits to total assets | 86.9510% | 2,969 |
| Equity capital to assets | 11.5007% | 2,269 |
| Core capital (leverage) ratio | 11.5342% | 1,826 |
| Tier 1 risk-based capital ratio | 14.9305% | 3,461 |
| Total risk-based capital ratio | 16.1803% | 3,424 |
| Memoranda: | ||
| Average total assets | $36,776,000 | 6,940 |
| Average earning assets | $34,083,500 | 6,916 |
| Average equity | $4,222,000 | 6,801 |
| Average total loans | $27,161,500 | 6,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 1,734 |
| Cost of funding earning assets | 1.9073% | 820 |
| Net interest margin | 3.7467% | 4,161 |
| Noninterest income to average assets | 0.7137% | 2,763 |
| Noninterest expense to average assets | 3.0784% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0252% | 1,948 |
| Return on assets (ROA) | 1.0252% | 2,061 |
| Pretax return on assets | 1.0733% | 2,688 |
| Return on Equity (ROE) | 8.8504% | 2,364 |
| Retained earnings to average equity (ytd only) | 4.2296% | 2,881 |
| Net charge-offs to loans | 0.4357% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 3.2119% | 3,474 |
| Efficiency ratio | 74.1473% | 3,366 |
| Assets per employee ($millions) | 3.6415% | 4,602 |
| Cash dividends to net income (ytd only)* | 52.2099% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 5,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.7408% | 1,327 |
| Net loans and leases to deposits | 91.6008% | 1,307 |
| Net loans and leases to core deposits | 95.9873% | 2,017 |
| Total domestic deposits to total assets | 82.6857% | 4,930 |
| Equity capital to assets | 11.4596% | 2,296 |
| Core capital (leverage) ratio | 11.4745% | 1,846 |
| Tier 1 risk-based capital ratio | 14.0447% | 3,841 |
| Total risk-based capital ratio | 15.2464% | 3,840 |
| Memoranda: | ||
| Average total assets | $35,310,200 | 7,031 |
| Average earning assets | $32,401,600 | 7,002 |
| Average equity | $4,090,200 | 6,966 |
| Average total loans | $27,084,600 | 6,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6954% | 1,730 |
| Cost of funding earning assets | 1.9819% | 795 |
| Net interest margin | 3.7135% | 4,338 |
| Noninterest income to average assets | 0.7041% | 2,797 |
| Noninterest expense to average assets | 3.0255% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0199% | 2,173 |
| Return on assets (ROA) | 1.0199% | 2,283 |
| Pretax return on assets | 1.0656% | 2,948 |
| Return on Equity (ROE) | 8.7804% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.5883% | 4,608 |
| Net charge-offs to loans | 0.4168% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.3332% | 3,488 |
| Efficiency ratio | 73.9535% | 3,332 |
| Assets per employee ($millions) | 3.4983% | 4,985 |
| Cash dividends to net income (ytd only)* | 70.5222% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 77.1603% | 1,186 |
| Net loans and leases to deposits | 87.8478% | 2,029 |
| Net loans and leases to core deposits | 92.2617% | 2,754 |
| Total domestic deposits to total assets | 87.8341% | 2,066 |
| Equity capital to assets | 11.8829% | 2,234 |
| Core capital (leverage) ratio | 11.9298% | 1,708 |
| Tier 1 risk-based capital ratio | 14.0629% | 3,787 |
| Total risk-based capital ratio | 15.3140% | 3,758 |
| Memoranda: | ||
| Average total assets | $35,034,000 | 7,130 |
| Average earning assets | $31,954,750 | 7,100 |
| Average equity | $4,069,500 | 7,062 |
| Average total loans | $26,870,750 | 6,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 2,110 |
| Cost of funding earning assets | 2.0423% | 789 |
| Net interest margin | 3.5662% | 4,964 |
| Noninterest income to average assets | 0.6220% | 3,178 |
| Noninterest expense to average assets | 3.1040% | 3,297 |
| Loan and lease loss provision to assets | 0.2168% | 4,720 |
| Net operating income to assets | 0.5364% | 4,168 |
| Return on assets (ROA) | 0.5364% | 4,314 |
| Pretax return on assets | 0.5592% | 4,702 |
| Return on Equity (ROE) | 4.6531% | 4,461 |
| Retained earnings to average equity (ytd only) | -1.4850% | 6,059 |
| Net charge-offs to loans | 0.4944% | 3,059 |
| Credit loss provision to net charge-offs | 57.5758% | 5,270 |
| Earnings coverage of net charge-offs (x) | 2.0606% | 3,993 |
| Efficiency ratio | 80.0000% | 2,450 |
| Assets per employee ($millions) | 3.4378% | 5,081 |
| Cash dividends to net income (ytd only)* | 131.9149% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 3,150 |
| Loan loss allowance to noncurrent loans | 2,363.1579% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,251 |
| Noncurrent loans to loans | 0.0711% | 7,135 |
| Net loans and leases to total assets | 76.4210% | 1,413 |
| Net loans and leases to deposits | 87.4917% | 2,262 |
| Net loans and leases to core deposits | 91.1811% | 3,096 |
| Total domestic deposits to total assets | 87.3466% | 2,357 |
| Equity capital to assets | 11.7023% | 2,278 |
| Core capital (leverage) ratio | 11.5411% | 1,892 |
| Tier 1 risk-based capital ratio | 14.6232% | 3,368 |
| Total risk-based capital ratio | 15.8280% | 3,361 |
| Memoranda: | ||
| Average total assets | $35,051,000 | 7,178 |
| Average earning assets | $32,022,670 | 7,157 |
| Average equity | $4,040,330 | 7,110 |
| Average total loans | $26,699,000 | 6,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4136% | 2,972 |
| Cost of funding earning assets | 2.0547% | 931 |
| Net interest margin | 3.3589% | 5,755 |
| Noninterest income to average assets | 0.5426% | 3,703 |
| Noninterest expense to average assets | 3.1650% | 2,994 |
| Loan and lease loss provision to assets | 0.4295% | 2,807 |
| Net operating income to assets | 0.0339% | 6,208 |
| Return on assets (ROA) | 0.0339% | 6,324 |
| Pretax return on assets | 0.0339% | 6,293 |
| Return on Equity (ROE) | 0.2964% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.2964% | 5,714 |
| Net charge-offs to loans | 0.9892% | 1,657 |
| Credit loss provision to net charge-offs | 57.5758% | 4,348 |
| Earnings coverage of net charge-offs (x) | 0.6212% | 4,470 |
| Efficiency ratio | 87.2274% | 1,664 |
| Assets per employee ($millions) | 3.2065% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 2,969 |
| Loan loss allowance to noncurrent loans | 2,245.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,348 |
| Noncurrent loans to loans | 0.0769% | 7,203 |
| Net loans and leases to total assets | 72.4845% | 2,334 |
| Net loans and leases to deposits | 82.7539% | 3,149 |
| Net loans and leases to core deposits | 86.1301% | 3,871 |
| Total domestic deposits to total assets | 87.5904% | 2,305 |
| Equity capital to assets | 11.4627% | 2,389 |
| Core capital (leverage) ratio | 11.3870% | 1,973 |
| Tier 1 risk-based capital ratio | 15.1223% | 3,058 |
| Total risk-based capital ratio | 16.3768% | 3,009 |
| Memoranda: | ||
| Average total assets | $35,387,500 | 7,256 |
| Average earning assets | $32,511,000 | 7,220 |
| Average equity | $4,049,000 | 7,169 |
| Average total loans | $26,688,000 | 6,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0504% | 1,673 |
| Cost of funding earning assets | 2.5913% | 800 |
| Net interest margin | 3.4591% | 5,132 |
| Noninterest income to average assets | 0.6832% | 3,069 |
| Noninterest expense to average assets | 2.8822% | 4,600 |
| Loan and lease loss provision to assets | 0.6113% | 3,355 |
| Net operating income to assets | 0.3823% | 4,196 |
| Return on assets (ROA) | 0.4619% | 4,001 |
| Pretax return on assets | 0.4813% | 4,249 |
| Return on Equity (ROE) | 4.1586% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.5400% | 3,371 |
| Net charge-offs to loans | 0.2927% | 4,803 |
| Credit loss provision to net charge-offs | 269.5122% | 1,289 |
| Earnings coverage of net charge-offs (x) | 4.4512% | 2,949 |
| Efficiency ratio | 74.0583% | 3,886 |
| Assets per employee ($millions) | 3.2276% | 5,658 |
| Cash dividends to net income (ytd only)* | 38.9222% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 2,736 |
| Loan loss allowance to noncurrent loans | 2,510.5263% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 7,363 |
| Noncurrent loans to loans | 0.0694% | 7,251 |
| Net loans and leases to total assets | 75.7210% | 1,875 |
| Net loans and leases to deposits | 89.3067% | 2,339 |
| Net loans and leases to core deposits | 125.1991% | 1,568 |
| Total domestic deposits to total assets | 84.7876% | 3,659 |
| Equity capital to assets | 11.4212% | 2,373 |
| Core capital (leverage) ratio | 11.1440% | 2,146 |
| Tier 1 risk-based capital ratio | 14.5339% | 3,192 |
| Total risk-based capital ratio | 15.7908% | 3,134 |
| Memoranda: | ||
| Average total assets | $36,152,800 | 7,239 |
| Average earning assets | $33,535,200 | 7,208 |
| Average equity | $4,015,800 | 7,286 |
| Average total loans | $28,019,400 | 6,739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0354% | 1,897 |
| Cost of funding earning assets | 2.6378% | 935 |
| Net interest margin | 3.3976% | 5,275 |
| Noninterest income to average assets | 0.6792% | 3,159 |
| Noninterest expense to average assets | 2.7610% | 5,060 |
| Loan and lease loss provision to assets | 0.7306% | 2,551 |
| Net operating income to assets | 0.3415% | 4,633 |
| Return on assets (ROA) | 0.3415% | 4,726 |
| Pretax return on assets | 0.3561% | 4,912 |
| Return on Equity (ROE) | 3.0954% | 4,751 |
| Retained earnings to average equity (ytd only) | 0.9319% | 4,788 |
| Net charge-offs to loans | 0.3879% | 3,713 |
| Credit loss provision to net charge-offs | 242.6829% | 1,797 |
| Earnings coverage of net charge-offs (x) | 3.6098% | 3,458 |
| Efficiency ratio | 71.7557% | 4,288 |
| Assets per employee ($millions) | 3.1962% | 5,655 |
| Cash dividends to net income (ytd only)* | 69.8871% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,004 |
| 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 | 79.7941% | 1,213 |
| Net loans and leases to deposits | 94.2485% | 1,845 |
| Net loans and leases to core deposits | 133.4189% | 1,244 |
| Total domestic deposits to total assets | 84.6635% | 3,397 |
| Equity capital to assets | 11.4398% | 2,642 |
| Core capital (leverage) ratio | 11.0240% | 2,387 |
| Tier 1 risk-based capital ratio | 12.5872% | 4,479 |
| Total risk-based capital ratio | 13.8396% | 4,431 |
| Memoranda: | ||
| Average total assets | $36,315,000 | 7,299 |
| Average earning assets | $33,866,000 | 7,254 |
| Average equity | $4,006,000 | 7,355 |
| Average total loans | $28,184,000 | 6,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9483% | 2,396 |
| Cost of funding earning assets | 2.6937% | 1,047 |
| Net interest margin | 3.2546% | 5,718 |
| Noninterest income to average assets | 0.5014% | 4,431 |
| Noninterest expense to average assets | 2.7629% | 5,121 |
| Loan and lease loss provision to assets | 0.7248% | 2,259 |
| Net operating income to assets | 0.0272% | 5,766 |
| Return on assets (ROA) | 0.0272% | 5,851 |
| Pretax return on assets | 0.0490% | 5,780 |
| Return on Equity (ROE) | 0.2500% | 5,847 |
| Retained earnings to average equity (ytd only) | -2.9995% | 5,972 |
| Net charge-offs to loans | 0.6126% | 2,513 |
| Credit loss provision to net charge-offs | 154.6512% | 2,971 |
| Earnings coverage of net charge-offs (x) | 1.6512% | 4,306 |
| Efficiency ratio | 78.1202% | 3,328 |
| Assets per employee ($millions) | 3.5558% | 4,670 |
| Cash dividends to net income (ytd only)* | 1,300.0000% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 3,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.7872% | 1,992 |
| Net loans and leases to deposits | 90.2880% | 2,788 |
| Net loans and leases to core deposits | 127.2321% | 1,764 |
| Total domestic deposits to total assets | 85.0470% | 3,239 |
| Equity capital to assets | 11.0383% | 2,883 |
| Core capital (leverage) ratio | 10.3834% | 2,919 |
| Tier 1 risk-based capital ratio | 13.3814% | 3,876 |
| Total risk-based capital ratio | 14.6322% | 3,817 |
| Memoranda: | ||
| Average total assets | $36,700,670 | 7,354 |
| Average earning assets | $34,228,000 | 7,305 |
| Average equity | $4,000,670 | 7,414 |
| Average total loans | $28,075,670 | 6,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9801% | 2,444 |
| Cost of funding earning assets | 2.7360% | 1,155 |
| Net interest margin | 3.2440% | 5,713 |
| Noninterest income to average assets | 0.3756% | 5,429 |
| Noninterest expense to average assets | 2.6079% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7620% | 3,291 |
| Return on assets (ROA) | 0.7620% | 3,466 |
| Pretax return on assets | 0.7834% | 4,140 |
| Return on Equity (ROE) | 7.0323% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.0323% | 2,196 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8987% | 3,347 |
| Assets per employee ($millions) | 3.4294% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.2318% | 3,194 |
| Net loans and leases to deposits | 87.5719% | 3,365 |
| Net loans and leases to core deposits | 122.5235% | 2,208 |
| Total domestic deposits to total assets | 82.4828% | 4,380 |
| Equity capital to assets | 10.7574% | 3,229 |
| Core capital (leverage) ratio | 10.5842% | 2,833 |
| Tier 1 risk-based capital ratio | 13.8080% | 3,694 |
| Total risk-based capital ratio | 14.9768% | 3,653 |
| Memoranda: | ||
| Average total assets | $37,272,000 | 7,360 |
| Average earning assets | $34,648,500 | 7,322 |
| Average equity | $4,038,500 | 7,441 |
| Average total loans | $28,269,000 | 6,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4989% | 2,966 |
| Cost of funding earning assets | 3.2723% | 999 |
| Net interest margin | 3.2266% | 6,283 |
| Noninterest income to average assets | 0.6143% | 3,746 |
| Noninterest expense to average assets | 2.7446% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8094% | 3,399 |
| Return on assets (ROA) | 0.8094% | 3,239 |
| Pretax return on assets | 0.8437% | 3,911 |
| Return on Equity (ROE) | 8.0552% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.7754% | 2,163 |
| Net charge-offs to loans | -0.0211% | 7,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4879% | 3,151 |
| Assets per employee ($millions) | 3.3474% | 5,098 |
| Cash dividends to net income (ytd only)* | 40.7166% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 4,799 |
| Loan loss allowance to noncurrent loans | 676.0000% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 7,033 |
| Noncurrent loans to loans | 0.1727% | 6,870 |
| Net loans and leases to total assets | 77.7111% | 2,216 |
| Net loans and leases to deposits | 94.6074% | 2,674 |
| Net loans and leases to core deposits | 133.4857% | 1,626 |
| Total domestic deposits to total assets | 82.1406% | 4,146 |
| Equity capital to assets | 10.9150% | 3,108 |
| Core capital (leverage) ratio | 10.3691% | 3,099 |
| Tier 1 risk-based capital ratio | 13.0777% | 4,070 |
| Total risk-based capital ratio | 14.2047% | 4,061 |
| Memoranda: | ||
| Average total assets | $37,928,800 | 7,305 |
| Average earning assets | $34,959,800 | 7,289 |
| Average equity | $3,811,200 | 7,575 |
| Average total loans | $28,456,000 | 6,804 |