Home > Farmer City State Bank > Performance and Condition Ratios
Farmer City State Bank, Performance and Condition Ratios
| 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 | 3.8296% | 6,070 |
| Cost of funding earning assets | 0.5336% | 5,411 |
| Net interest margin | 3.2960% | 5,448 |
| Noninterest income to average assets | 1.3227% | 810 |
| Noninterest expense to average assets | 2.6961% | 4,447 |
| Loan and lease loss provision to assets | 0.0401% | 5,168 |
| Net operating income to assets | 1.4750% | 1,038 |
| Return on assets (ROA) | 1.4750% | 1,161 |
| Pretax return on assets | 1.4750% | 1,940 |
| Return on Equity (ROE) | 12.9168% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.3476% | 1,935 |
| Net charge-offs to loans | 0.9116% | 1,208 |
| Credit loss provision to net charge-offs | 19.4805% | 4,612 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 2,492 |
| Efficiency ratio | 64.0228% | 4,899 |
| Assets per employee ($millions) | 3.5940% | 4,761 |
| Cash dividends to net income (ytd only)* | 43.1159% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3704% | 1,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 19.2214% | 7,092 |
| Net loans and leases to deposits | 21.7796% | 7,117 |
| Net loans and leases to core deposits | 22.3562% | 7,121 |
| Total domestic deposits to total assets | 88.2544% | 1,982 |
| Equity capital to assets | 11.1347% | 2,981 |
| Core capital (leverage) ratio | 10.1746% | 3,172 |
| Tier 1 risk-based capital ratio | 30.1245% | 512 |
| Total risk-based capital ratio | 31.3775% | 507 |
| Memoranda: | ||
| Average total assets | $74,849,330 | 5,583 |
| Average earning assets | $65,593,670 | 5,656 |
| Average equity | $8,547,000 | 5,402 |
| Average total loans | $16,894,000 | 6,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 6,009 |
| Cost of funding earning assets | 0.5602% | 5,431 |
| Net interest margin | 3.3431% | 5,324 |
| Noninterest income to average assets | 1.4352% | 702 |
| Noninterest expense to average assets | 2.8540% | 3,804 |
| Loan and lease loss provision to assets | 0.0825% | 4,358 |
| Net operating income to assets | 1.5177% | 988 |
| Return on assets (ROA) | 1.5177% | 1,113 |
| Pretax return on assets | 1.5177% | 1,827 |
| Return on Equity (ROE) | 13.1140% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.3172% | 2,272 |
| Net charge-offs to loans | 1.6403% | 594 |
| Credit loss provision to net charge-offs | 20.8333% | 3,761 |
| Earnings coverage of net charge-offs (x) | 4.0417% | 2,684 |
| Efficiency ratio | 64.0741% | 4,910 |
| Assets per employee ($millions) | 3.3500% | 5,455 |
| Cash dividends to net income (ytd only)* | 44.2029% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3644% | 1,564 |
| Loan loss allowance to noncurrent loans | 492.1053% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 5,065 |
| Noncurrent loans to loans | 0.4805% | 5,709 |
| Net loans and leases to total assets | 20.9555% | 7,128 |
| Net loans and leases to deposits | 23.8584% | 7,145 |
| Net loans and leases to core deposits | 24.5252% | 7,147 |
| Total domestic deposits to total assets | 87.8329% | 2,430 |
| Equity capital to assets | 11.5415% | 2,401 |
| Core capital (leverage) ratio | 9.8042% | 3,637 |
| Tier 1 risk-based capital ratio | 28.9037% | 575 |
| Total risk-based capital ratio | 30.1563% | 566 |
| Memoranda: | ||
| Average total assets | $72,740,000 | 5,686 |
| Average earning assets | $65,688,000 | 5,695 |
| Average equity | $8,418,500 | 5,459 |
| Average total loans | $17,557,500 | 6,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 5,782 |
| Cost of funding earning assets | 0.7046% | 5,508 |
| Net interest margin | 3.5882% | 4,776 |
| Noninterest income to average assets | 1.2830% | 782 |
| Noninterest expense to average assets | 3.0768% | 3,286 |
| Loan and lease loss provision to assets | 0.4222% | 2,483 |
| Net operating income to assets | 1.0246% | 2,106 |
| Return on assets (ROA) | 1.2254% | 1,546 |
| Pretax return on assets | 1.2254% | 2,368 |
| Return on Equity (ROE) | 10.7083% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.6701% | 1,656 |
| Net charge-offs to loans | 2.0531% | 665 |
| Credit loss provision to net charge-offs | 68.2578% | 4,922 |
| Earnings coverage of net charge-offs (x) | 2.3389% | 4,048 |
| Efficiency ratio | 68.0157% | 4,352 |
| Assets per employee ($millions) | 3.1209% | 5,861 |
| Cash dividends to net income (ytd only)* | 37.7108% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,736 |
| Loan loss allowance to noncurrent loans | 74.9565% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,036 |
| Noncurrent loans to loans | 2.9797% | 2,178 |
| Net loans and leases to total assets | 26.2827% | 7,113 |
| Net loans and leases to deposits | 29.9076% | 7,137 |
| Net loans and leases to core deposits | 30.6859% | 7,140 |
| Total domestic deposits to total assets | 87.8798% | 2,233 |
| Equity capital to assets | 11.6061% | 2,419 |
| Core capital (leverage) ratio | 9.8725% | 3,490 |
| Tier 1 risk-based capital ratio | 25.4580% | 826 |
| Total risk-based capital ratio | 26.7103% | 803 |
| Memoranda: | ||
| Average total assets | $67,732,800 | 5,817 |
| Average earning assets | $61,172,400 | 5,829 |
| Average equity | $7,751,000 | 5,644 |
| Average total loans | $20,407,800 | 6,643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 5,672 |
| Cost of funding earning assets | 0.7385% | 5,535 |
| Net interest margin | 3.6415% | 4,609 |
| Noninterest income to average assets | 1.1350% | 1,024 |
| Noninterest expense to average assets | 3.1034% | 3,149 |
| Loan and lease loss provision to assets | 0.5415% | 1,817 |
| Net operating income to assets | 0.7614% | 3,334 |
| Return on assets (ROA) | 0.8913% | 2,928 |
| Pretax return on assets | 0.8913% | 3,806 |
| Return on Equity (ROE) | 7.8182% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.9433% | 3,212 |
| Net charge-offs to loans | 2.6878% | 389 |
| Credit loss provision to net charge-offs | 64.9880% | 4,631 |
| Earnings coverage of net charge-offs (x) | 1.5635% | 4,462 |
| Efficiency ratio | 70.4308% | 3,873 |
| Assets per employee ($millions) | 2.7738% | 6,534 |
| Cash dividends to net income (ytd only)* | 36.7712% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2069% | 1,845 |
| Loan loss allowance to noncurrent loans | 63.1420% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 4,001 |
| Noncurrent loans to loans | 3.4951% | 1,968 |
| Net loans and leases to total assets | 26.7118% | 7,177 |
| Net loans and leases to deposits | 30.5066% | 7,211 |
| Net loans and leases to core deposits | 31.2793% | 7,209 |
| Total domestic deposits to total assets | 87.5606% | 2,318 |
| Equity capital to assets | 11.7184% | 2,477 |
| Core capital (leverage) ratio | 9.9090% | 3,558 |
| Tier 1 risk-based capital ratio | 25.2320% | 894 |
| Total risk-based capital ratio | 26.4862% | 887 |
| Memoranda: | ||
| Average total assets | $66,720,750 | 5,889 |
| Average earning assets | $59,936,750 | 5,909 |
| Average equity | $7,606,000 | 5,719 |
| Average total loans | $20,685,500 | 6,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 5,366 |
| Cost of funding earning assets | 0.7715% | 5,553 |
| Net interest margin | 3.7252% | 4,147 |
| Noninterest income to average assets | 1.1147% | 1,046 |
| Noninterest expense to average assets | 3.1224% | 3,170 |
| Loan and lease loss provision to assets | 0.4738% | 2,092 |
| Net operating income to assets | 0.8474% | 2,869 |
| Return on assets (ROA) | 0.8474% | 2,967 |
| Pretax return on assets | 0.8474% | 3,844 |
| Return on Equity (ROE) | 7.5074% | 3,185 |
| Retained earnings to average equity (ytd only) | 3.9555% | 3,678 |
| Net charge-offs to loans | 3.2633% | 294 |
| Credit loss provision to net charge-offs | 44.9568% | 4,709 |
| Earnings coverage of net charge-offs (x) | 1.2536% | 4,350 |
| Efficiency ratio | 70.2666% | 4,058 |
| Assets per employee ($millions) | 2.6717% | 6,675 |
| Cash dividends to net income (ytd only)* | 47.3118% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,706 |
| Loan loss allowance to noncurrent loans | 490.7895% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 5,730 |
| Noncurrent loans to loans | 0.3846% | 6,136 |
| Net loans and leases to total assets | 29.0289% | 7,213 |
| Net loans and leases to deposits | 33.1578% | 7,244 |
| Net loans and leases to core deposits | 34.0307% | 7,254 |
| Total domestic deposits to total assets | 87.5479% | 2,441 |
| Equity capital to assets | 11.7035% | 2,324 |
| Core capital (leverage) ratio | 10.0056% | 3,255 |
| Tier 1 risk-based capital ratio | 24.4916% | 956 |
| Total risk-based capital ratio | 25.7444% | 935 |
| Memoranda: | ||
| Average total assets | $65,846,330 | 5,964 |
| Average earning assets | $58,842,670 | 5,992 |
| Average equity | $7,432,670 | 5,790 |
| Average total loans | $21,267,000 | 6,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 5,369 |
| Cost of funding earning assets | 0.7927% | 5,602 |
| Net interest margin | 3.6972% | 4,124 |
| Noninterest income to average assets | 1.1320% | 1,018 |
| Noninterest expense to average assets | 3.1756% | 2,981 |
| Loan and lease loss provision to assets | 0.3671% | 2,364 |
| Net operating income to assets | 0.8994% | 2,564 |
| Return on assets (ROA) | 0.8994% | 2,623 |
| Pretax return on assets | 0.8994% | 3,494 |
| Return on Equity (ROE) | 8.1210% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.2538% | 3,616 |
| Net charge-offs to loans | 3.9056% | 235 |
| Credit loss provision to net charge-offs | 27.9070% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.9628% | 3,931 |
| Efficiency ratio | 71.4876% | 3,963 |
| Assets per employee ($millions) | 3.1960% | 5,723 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 2,389 |
| Loan loss allowance to noncurrent loans | 88.3369% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 4,966 |
| Noncurrent loans to loans | 2.2768% | 3,223 |
| Net loans and leases to total assets | 29.6899% | 7,238 |
| Net loans and leases to deposits | 33.6605% | 7,277 |
| Net loans and leases to core deposits | 34.5355% | 7,298 |
| Total domestic deposits to total assets | 88.2042% | 2,261 |
| Equity capital to assets | 11.1373% | 2,549 |
| Core capital (leverage) ratio | 9.9716% | 3,175 |
| Tier 1 risk-based capital ratio | 23.0490% | 1,075 |
| Total risk-based capital ratio | 24.3025% | 1,059 |
| Memoranda: | ||
| Average total assets | $65,373,500 | 6,016 |
| Average earning assets | $58,530,500 | 6,048 |
| Average equity | $7,240,500 | 5,860 |
| Average total loans | $22,019,500 | 6,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 4,198 |
| Cost of funding earning assets | 1.1471% | 4,870 |
| Net interest margin | 3.9299% | 3,348 |
| Noninterest income to average assets | 1.2986% | 872 |
| Noninterest expense to average assets | 3.5138% | 2,137 |
| Loan and lease loss provision to assets | 0.2729% | 4,620 |
| Net operating income to assets | 1.0097% | 2,007 |
| Return on assets (ROA) | 1.0097% | 2,115 |
| Pretax return on assets | 1.0097% | 2,906 |
| Return on Equity (ROE) | 8.7286% | 2,407 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,388 |
| Net charge-offs to loans | 0.5151% | 3,555 |
| Credit loss provision to net charge-offs | 123.1884% | 3,374 |
| Earnings coverage of net charge-offs (x) | 5.7899% | 2,535 |
| Efficiency ratio | 73.2597% | 3,542 |
| Assets per employee ($millions) | 2.8923% | 6,346 |
| Cash dividends to net income (ytd only)* | 42.2893% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3794% | 1,578 |
| Loan loss allowance to noncurrent loans | 361.5385% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,949 |
| Noncurrent loans to loans | 0.6581% | 5,735 |
| Net loans and leases to total assets | 36.3649% | 7,143 |
| Net loans and leases to deposits | 41.2644% | 7,214 |
| Net loans and leases to core deposits | 41.2644% | 7,279 |
| Total domestic deposits to total assets | 88.1267% | 2,176 |
| Equity capital to assets | 11.0105% | 2,677 |
| Core capital (leverage) ratio | 10.2436% | 2,819 |
| Tier 1 risk-based capital ratio | 20.6847% | 1,365 |
| Total risk-based capital ratio | 21.9418% | 1,347 |
| Memoranda: | ||
| Average total assets | $62,297,800 | 6,115 |
| Average earning assets | $55,446,200 | 6,155 |
| Average equity | $7,206,200 | 5,961 |
| Average total loans | $26,791,600 | 6,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 3,996 |
| Cost of funding earning assets | 1.2479% | 4,580 |
| Net interest margin | 3.9207% | 3,446 |
| Noninterest income to average assets | 1.1447% | 1,072 |
| Noninterest expense to average assets | 3.5116% | 2,013 |
| Loan and lease loss provision to assets | 0.1248% | 5,783 |
| Net operating income to assets | 0.9898% | 2,272 |
| Return on assets (ROA) | 0.9898% | 2,386 |
| Pretax return on assets | 0.9898% | 3,215 |
| Return on Equity (ROE) | 8.4523% | 2,711 |
| Retained earnings to average equity (ytd only) | 4.2629% | 3,492 |
| Net charge-offs to loans | 0.4257% | 3,589 |
| Credit loss provision to net charge-offs | 65.9091% | 5,534 |
| Earnings coverage of net charge-offs (x) | 5.8864% | 2,654 |
| Efficiency ratio | 75.9070% | 2,971 |
| Assets per employee ($millions) | 2.7972% | 6,589 |
| Cash dividends to net income (ytd only)* | 49.5647% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,077 |
| Loan loss allowance to noncurrent loans | 209.1667% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 6,104 |
| Noncurrent loans to loans | 0.9874% | 5,265 |
| Net loans and leases to total assets | 38.6834% | 7,154 |
| Net loans and leases to deposits | 45.0460% | 7,205 |
| Net loans and leases to core deposits | 45.0460% | 7,289 |
| Total domestic deposits to total assets | 85.8754% | 3,143 |
| Equity capital to assets | 12.2640% | 2,001 |
| Core capital (leverage) ratio | 10.3933% | 2,811 |
| Tier 1 risk-based capital ratio | 20.0527% | 1,538 |
| Total risk-based capital ratio | 21.3054% | 1,505 |
| Memoranda: | ||
| Average total assets | $61,964,750 | 6,191 |
| Average earning assets | $55,023,000 | 6,235 |
| Average equity | $7,256,250 | 6,025 |
| Average total loans | $27,563,750 | 6,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 3,808 |
| Cost of funding earning assets | 1.3416% | 4,243 |
| Net interest margin | 3.8873% | 3,506 |
| Noninterest income to average assets | 1.1045% | 1,082 |
| Noninterest expense to average assets | 3.3716% | 2,341 |
| Loan and lease loss provision to assets | 0.1675% | 5,203 |
| Net operating income to assets | 1.0273% | 2,092 |
| Return on assets (ROA) | 1.0273% | 2,170 |
| Pretax return on assets | 1.0273% | 3,019 |
| Return on Equity (ROE) | 8.9114% | 2,507 |
| Retained earnings to average equity (ytd only) | 4.5256% | 3,191 |
| Net charge-offs to loans | 0.0977% | 5,167 |
| Credit loss provision to net charge-offs | 371.4286% | 984 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 999 |
| Efficiency ratio | 73.8364% | 3,502 |
| Assets per employee ($millions) | 2.7862% | 6,599 |
| Cash dividends to net income (ytd only)* | 49.2163% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2499% | 1,670 |
| Loan loss allowance to noncurrent loans | 152.4064% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 5,827 |
| Noncurrent loans to loans | 1.4762% | 4,489 |
| Net loans and leases to total assets | 40.4017% | 7,140 |
| Net loans and leases to deposits | 46.6384% | 7,218 |
| Net loans and leases to core deposits | 52.6243% | 7,103 |
| Total domestic deposits to total assets | 86.6274% | 2,739 |
| Equity capital to assets | 11.9011% | 2,155 |
| Core capital (leverage) ratio | 10.2905% | 2,838 |
| Tier 1 risk-based capital ratio | 19.4989% | 1,606 |
| Total risk-based capital ratio | 20.7547% | 1,578 |
| Memoranda: | ||
| Average total assets | $62,107,000 | 6,230 |
| Average earning assets | $55,307,670 | 6,267 |
| Average equity | $7,159,330 | 6,087 |
| Average total loans | $28,649,330 | 6,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 3,161 |
| Cost of funding earning assets | 1.3584% | 4,432 |
| Net interest margin | 4.0177% | 2,799 |
| Noninterest income to average assets | 1.1262% | 986 |
| Noninterest expense to average assets | 3.5513% | 1,843 |
| Loan and lease loss provision to assets | 0.2304% | 4,200 |
| Net operating income to assets | 0.9214% | 2,468 |
| Return on assets (ROA) | 0.9214% | 2,532 |
| Pretax return on assets | 0.9214% | 3,381 |
| Return on Equity (ROE) | 8.1224% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.5124% | 3,451 |
| Net charge-offs to loans | 0.0264% | 5,200 |
| Credit loss provision to net charge-offs | 1,800.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 361 |
| Efficiency ratio | 75.5102% | 3,300 |
| Assets per employee ($millions) | 2.8128% | 6,612 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 2,096 |
| Loan loss allowance to noncurrent loans | 351.5528% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,396 |
| Noncurrent loans to loans | 0.5786% | 6,147 |
| Net loans and leases to total assets | 44.0555% | 6,987 |
| Net loans and leases to deposits | 50.5957% | 7,102 |
| Net loans and leases to core deposits | 57.0430% | 6,933 |
| Total domestic deposits to total assets | 87.0736% | 2,594 |
| Equity capital to assets | 11.5124% | 2,350 |
| Core capital (leverage) ratio | 9.9932% | 3,170 |
| Tier 1 risk-based capital ratio | 16.3225% | 2,518 |
| Total risk-based capital ratio | 17.5761% | 2,478 |
| Memoranda: | ||
| Average total assets | $62,512,000 | 6,286 |
| Average earning assets | $55,653,500 | 6,338 |
| Average equity | $7,091,500 | 6,166 |
| Average total loans | $30,306,500 | 6,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 4,434 |
| Cost of funding earning assets | 1.6139% | 4,974 |
| Net interest margin | 3.8369% | 3,544 |
| Noninterest income to average assets | 1.1367% | 1,193 |
| Noninterest expense to average assets | 3.6180% | 2,103 |
| Loan and lease loss provision to assets | 0.3971% | 4,421 |
| Net operating income to assets | 0.6379% | 3,179 |
| Return on assets (ROA) | 0.6536% | 3,176 |
| Pretax return on assets | 0.6536% | 3,730 |
| Return on Equity (ROE) | 6.1317% | 3,161 |
| Retained earnings to average equity (ytd only) | 1.3056% | 4,133 |
| Net charge-offs to loans | 0.5448% | 3,608 |
| Credit loss provision to net charge-offs | 138.0435% | 3,557 |
| Earnings coverage of net charge-offs (x) | 3.5978% | 3,279 |
| Efficiency ratio | 77.7554% | 3,233 |
| Assets per employee ($millions) | 2.7453% | 6,765 |
| Cash dividends to net income (ytd only)* | 78.7081% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,185 |
| Loan loss allowance to noncurrent loans | 217.1429% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 6,171 |
| Noncurrent loans to loans | 0.7473% | 5,767 |
| Net loans and leases to total assets | 51.0793% | 6,519 |
| Net loans and leases to deposits | 58.3892% | 6,758 |
| Net loans and leases to core deposits | 67.5286% | 6,905 |
| Total domestic deposits to total assets | 87.4808% | 2,229 |
| Equity capital to assets | 11.1794% | 2,548 |
| Core capital (leverage) ratio | 9.8561% | 3,263 |
| Tier 1 risk-based capital ratio | 14.4869% | 3,216 |
| Total risk-based capital ratio | 15.7229% | 3,178 |
| Memoranda: | ||
| Average total assets | $63,957,400 | 6,201 |
| Average earning assets | $58,615,600 | 6,195 |
| Average equity | $6,817,000 | 6,328 |
| Average total loans | $33,773,200 | 6,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 4,791 |
| Cost of funding earning assets | 1.6853% | 4,976 |
| Net interest margin | 3.7450% | 3,889 |
| Noninterest income to average assets | 1.1720% | 1,143 |
| Noninterest expense to average assets | 3.6470% | 1,932 |
| Loan and lease loss provision to assets | 0.2681% | 4,819 |
| Net operating income to assets | 0.7065% | 3,183 |
| Return on assets (ROA) | 0.7065% | 3,244 |
| Pretax return on assets | 0.7065% | 3,831 |
| Return on Equity (ROE) | 6.7094% | 3,214 |
| Retained earnings to average equity (ytd only) | 1.3617% | 4,555 |
| Net charge-offs to loans | 0.5330% | 3,085 |
| Credit loss provision to net charge-offs | 94.8529% | 5,344 |
| Earnings coverage of net charge-offs (x) | 3.4485% | 3,525 |
| Efficiency ratio | 78.9119% | 3,007 |
| Assets per employee ($millions) | 2.6895% | 6,879 |
| Cash dividends to net income (ytd only)* | 79.7053% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,060 |
| Loan loss allowance to noncurrent loans | 193.6170% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 5,738 |
| Noncurrent loans to loans | 0.7127% | 5,877 |
| Net loans and leases to total assets | 52.5663% | 6,553 |
| Net loans and leases to deposits | 60.4124% | 6,797 |
| Net loans and leases to core deposits | 72.1558% | 6,841 |
| Total domestic deposits to total assets | 87.0124% | 2,175 |
| Equity capital to assets | 11.4615% | 2,626 |
| Core capital (leverage) ratio | 9.8687% | 3,435 |
| Tier 1 risk-based capital ratio | 14.6625% | 3,196 |
| Total risk-based capital ratio | 15.7357% | 3,230 |
| Memoranda: | ||
| Average total assets | $64,161,000 | 6,247 |
| Average earning assets | $59,099,500 | 6,208 |
| Average equity | $6,756,500 | 6,405 |
| Average total loans | $34,020,250 | 6,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 4,877 |
| Cost of funding earning assets | 1.7643% | 4,933 |
| Net interest margin | 3.6891% | 4,000 |
| Noninterest income to average assets | 1.1982% | 1,089 |
| Noninterest expense to average assets | 3.6194% | 2,026 |
| Loan and lease loss provision to assets | 0.1047% | 6,118 |
| Net operating income to assets | 0.8748% | 2,561 |
| Return on assets (ROA) | 0.8748% | 2,663 |
| Pretax return on assets | 0.8748% | 3,424 |
| Return on Equity (ROE) | 8.5474% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.2135% | 2,960 |
| Net charge-offs to loans | 0.2153% | 4,158 |
| Credit loss provision to net charge-offs | 91.8919% | 4,865 |
| Earnings coverage of net charge-offs (x) | 8.5946% | 2,234 |
| Efficiency ratio | 78.7006% | 3,235 |
| Assets per employee ($millions) | 2.7990% | 6,627 |
| Cash dividends to net income (ytd only)* | 50.7042% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 3,735 |
| Loan loss allowance to noncurrent loans | 151.9868% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 6,191 |
| Noncurrent loans to loans | 0.9195% | 5,378 |
| Net loans and leases to total assets | 50.3045% | 6,842 |
| Net loans and leases to deposits | 57.3836% | 7,065 |
| Net loans and leases to core deposits | 68.6312% | 7,093 |
| Total domestic deposits to total assets | 87.6635% | 1,944 |
| Equity capital to assets | 10.5424% | 3,351 |
| Core capital (leverage) ratio | 9.8995% | 3,394 |
| Tier 1 risk-based capital ratio | 15.1137% | 2,970 |
| Total risk-based capital ratio | 16.2171% | 2,974 |
| Memoranda: | ||
| Average total assets | $64,928,330 | 6,263 |
| Average earning assets | $59,852,670 | 6,229 |
| Average equity | $6,645,330 | 6,480 |
| Average total loans | $34,369,670 | 6,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 5,315 |
| Cost of funding earning assets | 1.8352% | 4,943 |
| Net interest margin | 3.5855% | 4,381 |
| Noninterest income to average assets | 1.1656% | 1,076 |
| Noninterest expense to average assets | 3.8219% | 1,431 |
| Loan and lease loss provision to assets | 0.0675% | 6,104 |
| Net operating income to assets | 0.6441% | 3,818 |
| Return on assets (ROA) | 0.6441% | 4,000 |
| Pretax return on assets | 0.6441% | 4,609 |
| Return on Equity (ROE) | 6.3883% | 3,872 |
| Retained earnings to average equity (ytd only) | 3.9547% | 3,697 |
| Net charge-offs to loans | 0.3529% | 2,673 |
| Credit loss provision to net charge-offs | 35.4839% | 4,881 |
| Earnings coverage of net charge-offs (x) | 3.7419% | 3,080 |
| Efficiency ratio | 84.3031% | 2,270 |
| Assets per employee ($millions) | 2.6515% | 6,975 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,138 |
| Loan loss allowance to noncurrent loans | 332.3308% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,798 |
| Noncurrent loans to loans | 0.3878% | 6,449 |
| Net loans and leases to total assets | 53.2042% | 6,560 |
| Net loans and leases to deposits | 60.7181% | 6,830 |
| Net loans and leases to core deposits | 73.0354% | 6,863 |
| Total domestic deposits to total assets | 87.6249% | 1,913 |
| Equity capital to assets | 10.5349% | 3,431 |
| Core capital (leverage) ratio | 9.5062% | 3,978 |
| Tier 1 risk-based capital ratio | 15.0767% | 3,028 |
| Total risk-based capital ratio | 16.1496% | 3,044 |
| Memoranda: | ||
| Average total assets | $65,203,500 | 6,283 |
| Average earning assets | $61,247,500 | 6,205 |
| Average equity | $6,574,500 | 6,560 |
| Average total loans | $35,132,500 | 6,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 7,080 |
| Cost of funding earning assets | 2.2966% | 5,167 |
| Net interest margin | 3.2998% | 6,035 |
| Noninterest income to average assets | 1.2094% | 1,018 |
| Noninterest expense to average assets | 3.2742% | 3,058 |
| Loan and lease loss provision to assets | 0.1671% | 5,244 |
| Net operating income to assets | 0.8615% | 3,165 |
| Return on assets (ROA) | 0.9860% | 2,486 |
| Pretax return on assets | 0.9860% | 3,429 |
| Return on Equity (ROE) | 10.6369% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.7530% | 2,184 |
| Net charge-offs to loans | 0.1296% | 4,936 |
| Credit loss provision to net charge-offs | 239.1304% | 1,971 |
| Earnings coverage of net charge-offs (x) | 14.7174% | 2,012 |
| Efficiency ratio | 76.0946% | 3,225 |
| Assets per employee ($millions) | 2.6708% | 6,847 |
| Cash dividends to net income (ytd only)* | 55.3159% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,877 |
| Loan loss allowance to noncurrent loans | 453.9216% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,838 |
| Noncurrent loans to loans | 0.2836% | 6,520 |
| Net loans and leases to total assets | 53.1713% | 6,737 |
| Net loans and leases to deposits | 59.9804% | 7,090 |
| Net loans and leases to core deposits | 74.7762% | 6,921 |
| Total domestic deposits to total assets | 88.6478% | 1,187 |
| Equity capital to assets | 9.6524% | 4,478 |
| Core capital (leverage) ratio | 9.3930% | 4,165 |
| Tier 1 risk-based capital ratio | 14.3669% | 3,353 |
| Total risk-based capital ratio | 15.4492% | 3,371 |
| Memoranda: | ||
| Average total assets | $65,818,400 | 6,167 |
| Average earning assets | $61,700,600 | 6,099 |
| Average equity | $6,101,400 | 6,768 |
| Average total loans | $35,482,400 | 6,394 |