Home > Farmers and Merchants Bank of Hill City > Performance and Condition Ratios
Farmers and Merchants Bank of Hill City, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,908 |
| Cost of funding earning assets | 0.4701% | 4,204 |
| Net interest margin | 3.3056% | 4,558 |
| Noninterest income to average assets | 0.3189% | 5,157 |
| Noninterest expense to average assets | 2.6483% | 4,228 |
| Loan and lease loss provision to assets | 0.1941% | 1,955 |
| Net operating income to assets | 0.4807% | 4,881 |
| Return on assets (ROA) | 0.4807% | 5,061 |
| Pretax return on assets | 0.5639% | 5,153 |
| Return on Equity (ROE) | 4.3321% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.2908% | 4,214 |
| Net charge-offs to loans | -0.0153% | 5,880 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7123% | 2,828 |
| Assets per employee ($millions) | 3.3042% | 5,254 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1600% | 1,512 |
| Loan loss allowance to noncurrent loans | 268.9815% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 4,963 |
| Noncurrent loans to loans | 0.8030% | 4,306 |
| Net loans and leases to total assets | 61.2664% | 3,432 |
| Net loans and leases to deposits | 70.9659% | 3,591 |
| Net loans and leases to core deposits | 74.2705% | 3,769 |
| Total domestic deposits to total assets | 86.3322% | 3,186 |
| Equity capital to assets | 10.9882% | 2,765 |
| Core capital (leverage) ratio | 11.4161% | 2,009 |
| Tier 1 risk-based capital ratio | 16.6593% | 2,860 |
| Total risk-based capital ratio | 17.9171% | 2,828 |
| Memoranda: | ||
| Average total assets | $43,272,330 | 6,306 |
| Average earning assets | $40,416,000 | 6,270 |
| Average equity | $4,801,330 | 6,242 |
| Average total loans | $26,213,670 | 6,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,814 |
| Cost of funding earning assets | 0.4767% | 4,311 |
| Net interest margin | 3.3268% | 4,415 |
| Noninterest income to average assets | 0.3131% | 5,185 |
| Noninterest expense to average assets | 2.6249% | 4,318 |
| Loan and lease loss provision to assets | 0.1842% | 2,001 |
| Net operating income to assets | 0.5618% | 4,401 |
| Return on assets (ROA) | 0.5618% | 4,557 |
| Pretax return on assets | 0.5894% | 4,980 |
| Return on Equity (ROE) | 5.0392% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.9740% | 4,497 |
| Net charge-offs to loans | -0.0155% | 5,609 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0678% | 3,088 |
| Assets per employee ($millions) | 3.5848% | 4,809 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 1,491 |
| Loan loss allowance to noncurrent loans | 171.9136% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 4,492 |
| Noncurrent loans to loans | 1.3077% | 3,601 |
| Net loans and leases to total assets | 56.3020% | 4,043 |
| Net loans and leases to deposits | 63.7738% | 4,344 |
| Net loans and leases to core deposits | 66.6667% | 4,450 |
| Total domestic deposits to total assets | 88.2840% | 2,137 |
| Equity capital to assets | 11.2883% | 2,645 |
| Core capital (leverage) ratio | 11.0431% | 2,226 |
| Tier 1 risk-based capital ratio | 17.6905% | 2,489 |
| Total risk-based capital ratio | 18.9492% | 2,450 |
| Memoranda: | ||
| Average total assets | $43,431,000 | 6,364 |
| Average earning assets | $40,279,000 | 6,328 |
| Average equity | $4,842,000 | 6,289 |
| Average total loans | $25,871,500 | 6,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 4,860 |
| Cost of funding earning assets | 0.5317% | 4,984 |
| Net interest margin | 3.5927% | 4,117 |
| Noninterest income to average assets | 0.4431% | 4,297 |
| Noninterest expense to average assets | 2.7413% | 4,245 |
| Loan and lease loss provision to assets | 0.1956% | 3,184 |
| Net operating income to assets | 0.8179% | 3,200 |
| Return on assets (ROA) | 0.8179% | 3,444 |
| Pretax return on assets | 0.8509% | 4,101 |
| Return on Equity (ROE) | 7.3448% | 3,441 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,579 |
| Net charge-offs to loans | 0.0273% | 5,518 |
| Credit loss provision to net charge-offs | 1,185.7143% | 219 |
| Earnings coverage of net charge-offs (x) | 63.4286% | 564 |
| Efficiency ratio | 70.5040% | 3,712 |
| Assets per employee ($millions) | 3.3726% | 5,277 |
| Cash dividends to net income (ytd only)* | 48.9914% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9877% | 2,044 |
| Loan loss allowance to noncurrent loans | 163.9144% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 4,611 |
| Noncurrent loans to loans | 1.2126% | 3,825 |
| Net loans and leases to total assets | 60.2819% | 3,555 |
| Net loans and leases to deposits | 67.9854% | 3,984 |
| Net loans and leases to core deposits | 70.3318% | 4,260 |
| Total domestic deposits to total assets | 88.6689% | 1,793 |
| Equity capital to assets | 11.0118% | 2,936 |
| Core capital (leverage) ratio | 11.0998% | 2,166 |
| Tier 1 risk-based capital ratio | 16.2307% | 3,038 |
| Total risk-based capital ratio | 17.4878% | 2,988 |
| Memoranda: | ||
| Average total assets | $42,424,600 | 6,415 |
| Average earning assets | $39,496,600 | 6,378 |
| Average equity | $4,724,400 | 6,375 |
| Average total loans | $25,628,600 | 6,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,223 |
| Cost of funding earning assets | 0.5404% | 5,162 |
| Net interest margin | 3.5495% | 4,441 |
| Noninterest income to average assets | 0.4817% | 4,049 |
| Noninterest expense to average assets | 2.7541% | 4,157 |
| Loan and lease loss provision to assets | 0.2123% | 2,942 |
| Net operating income to assets | 0.8082% | 3,413 |
| Return on assets (ROA) | 0.8082% | 3,656 |
| Pretax return on assets | 0.8462% | 4,317 |
| Return on Equity (ROE) | 7.2361% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.2498% | 3,190 |
| Net charge-offs to loans | 0.0422% | 5,062 |
| Credit loss provision to net charge-offs | 837.5000% | 333 |
| Earnings coverage of net charge-offs (x) | 41.7357% | 851 |
| Efficiency ratio | 70.3242% | 3,628 |
| Assets per employee ($millions) | 3.2742% | 5,493 |
| Cash dividends to net income (ytd only)* | 27.4508% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 2,213 |
| Loan loss allowance to noncurrent loans | 156.3253% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 4,758 |
| Noncurrent loans to loans | 1.2687% | 3,933 |
| Net loans and leases to total assets | 60.2608% | 3,722 |
| Net loans and leases to deposits | 68.3471% | 4,124 |
| Net loans and leases to core deposits | 70.3009% | 4,466 |
| Total domestic deposits to total assets | 88.1687% | 1,944 |
| Equity capital to assets | 11.4108% | 2,837 |
| Core capital (leverage) ratio | 11.3431% | 2,099 |
| Tier 1 risk-based capital ratio | 16.5905% | 2,947 |
| Total risk-based capital ratio | 17.8473% | 2,916 |
| Memoranda: | ||
| Average total assets | $42,069,750 | 6,500 |
| Average earning assets | $39,479,000 | 6,452 |
| Average equity | $4,698,500 | 6,457 |
| Average total loans | $25,294,250 | 6,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 5,238 |
| Cost of funding earning assets | 0.5553% | 5,265 |
| Net interest margin | 3.5662% | 4,394 |
| Noninterest income to average assets | 0.5059% | 3,889 |
| Noninterest expense to average assets | 2.8636% | 3,771 |
| Loan and lease loss provision to assets | 0.2148% | 2,923 |
| Net operating income to assets | 0.7350% | 3,681 |
| Return on assets (ROA) | 0.7350% | 3,949 |
| Pretax return on assets | 0.7684% | 4,577 |
| Return on Equity (ROE) | 6.6298% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.6163% | 4,190 |
| Net charge-offs to loans | 0.1040% | 4,130 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 15.8462% | 1,624 |
| Efficiency ratio | 72.5806% | 3,327 |
| Assets per employee ($millions) | 2.9981% | 6,072 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 2,389 |
| Loan loss allowance to noncurrent loans | 146.8657% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,803 |
| Noncurrent loans to loans | 1.3244% | 3,931 |
| Net loans and leases to total assets | 59.0928% | 3,978 |
| Net loans and leases to deposits | 66.8779% | 4,383 |
| Net loans and leases to core deposits | 68.8131% | 4,693 |
| Total domestic deposits to total assets | 88.3592% | 1,925 |
| Equity capital to assets | 11.2501% | 2,843 |
| Core capital (leverage) ratio | 11.0545% | 2,246 |
| Tier 1 risk-based capital ratio | 16.0973% | 3,124 |
| Total risk-based capital ratio | 17.3528% | 3,087 |
| Memoranda: | ||
| Average total assets | $41,904,670 | 6,553 |
| Average earning assets | $39,257,330 | 6,504 |
| Average equity | $4,645,670 | 6,503 |
| Average total loans | $25,002,670 | 6,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 5,451 |
| Cost of funding earning assets | 0.5625% | 5,413 |
| Net interest margin | 3.5386% | 4,528 |
| Noninterest income to average assets | 0.6401% | 2,986 |
| Noninterest expense to average assets | 2.8278% | 3,912 |
| Loan and lease loss provision to assets | 0.1911% | 3,041 |
| Net operating income to assets | 0.9267% | 2,804 |
| Return on assets (ROA) | 0.9267% | 3,008 |
| Pretax return on assets | 0.9267% | 3,939 |
| Return on Equity (ROE) | 8.4211% | 3,094 |
| Retained earnings to average equity (ytd only) | 2.3440% | 5,087 |
| Net charge-offs to loans | 0.2414% | 2,727 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,038 |
| Efficiency ratio | 69.7337% | 3,860 |
| Assets per employee ($millions) | 3.2353% | 5,690 |
| Cash dividends to net income (ytd only)* | 72.1649% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 2,496 |
| Loan loss allowance to noncurrent loans | 137.5740% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 4,937 |
| Noncurrent loans to loans | 1.4233% | 3,977 |
| Net loans and leases to total assets | 55.3579% | 4,494 |
| Net loans and leases to deposits | 62.4142% | 4,860 |
| Net loans and leases to core deposits | 63.7401% | 5,143 |
| Total domestic deposits to total assets | 88.6945% | 1,889 |
| Equity capital to assets | 10.9037% | 3,024 |
| Core capital (leverage) ratio | 10.9792% | 2,272 |
| Tier 1 risk-based capital ratio | 17.3720% | 2,528 |
| Total risk-based capital ratio | 18.6283% | 2,490 |
| Memoranda: | ||
| Average total assets | $41,870,500 | 6,609 |
| Average earning assets | $39,112,000 | 6,557 |
| Average equity | $4,607,500 | 6,546 |
| Average total loans | $24,856,500 | 6,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 5,125 |
| Cost of funding earning assets | 0.6389% | 5,877 |
| Net interest margin | 3.8494% | 3,573 |
| Noninterest income to average assets | 0.4237% | 4,419 |
| Noninterest expense to average assets | 3.2426% | 2,714 |
| Loan and lease loss provision to assets | 0.3913% | 2,644 |
| Net operating income to assets | 0.3664% | 5,005 |
| Return on assets (ROA) | 0.3664% | 5,174 |
| Pretax return on assets | 0.3788% | 5,356 |
| Return on Equity (ROE) | 3.1864% | 5,208 |
| Retained earnings to average equity (ytd only) | 0.4769% | 5,613 |
| Net charge-offs to loans | -0.0628% | 7,081 |
| Credit loss provision to net charge-offs | -981.2500% | 6,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8820% | 2,473 |
| Assets per employee ($millions) | 3.2063% | 5,695 |
| Cash dividends to net income (ytd only)* | 85.0340% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 2,961 |
| Loan loss allowance to noncurrent loans | 91.6335% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 4,229 |
| Noncurrent loans to loans | 1.9334% | 3,297 |
| Net loans and leases to total assets | 61.1895% | 3,744 |
| Net loans and leases to deposits | 69.1473% | 4,252 |
| Net loans and leases to core deposits | 70.8000% | 4,670 |
| Total domestic deposits to total assets | 88.4914% | 1,854 |
| Equity capital to assets | 11.1055% | 2,885 |
| Core capital (leverage) ratio | 11.2209% | 2,104 |
| Tier 1 risk-based capital ratio | 15.7856% | 3,161 |
| Total risk-based capital ratio | 17.0403% | 3,123 |
| Memoranda: | ||
| Average total assets | $40,122,000 | 6,671 |
| Average earning assets | $37,408,000 | 6,626 |
| Average equity | $4,613,400 | 6,554 |
| Average total loans | $25,461,400 | 6,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 5,272 |
| Cost of funding earning assets | 0.6577% | 5,998 |
| Net interest margin | 3.8348% | 3,697 |
| Noninterest income to average assets | 0.4430% | 4,346 |
| Noninterest expense to average assets | 3.2685% | 2,604 |
| Loan and lease loss provision to assets | 0.3758% | 2,600 |
| Net operating income to assets | 0.3792% | 5,087 |
| Return on assets (ROA) | 0.3792% | 5,271 |
| Pretax return on assets | 0.3792% | 5,527 |
| Return on Equity (ROE) | 3.2685% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.6776% | 5,300 |
| Net charge-offs to loans | -0.0684% | 7,111 |
| Credit loss provision to net charge-offs | -861.5385% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3161% | 2,359 |
| Assets per employee ($millions) | 3.0223% | 6,064 |
| Cash dividends to net income (ytd only)* | 48.6725% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 3,487 |
| Loan loss allowance to noncurrent loans | 82.0717% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2777% | 4,253 |
| Noncurrent loans to loans | 1.9979% | 3,369 |
| Net loans and leases to total assets | 62.9040% | 3,529 |
| Net loans and leases to deposits | 71.7875% | 4,018 |
| Net loans and leases to core deposits | 74.1858% | 4,423 |
| Total domestic deposits to total assets | 87.6253% | 2,277 |
| Equity capital to assets | 11.8962% | 2,337 |
| Core capital (leverage) ratio | 11.6436% | 1,924 |
| Tier 1 risk-based capital ratio | 16.3700% | 2,928 |
| Total risk-based capital ratio | 17.6237% | 2,890 |
| Memoranda: | ||
| Average total assets | $39,732,000 | 6,740 |
| Average earning assets | $37,097,750 | 6,697 |
| Average equity | $4,609,500 | 6,611 |
| Average total loans | $25,335,500 | 6,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 5,559 |
| Cost of funding earning assets | 0.6762% | 6,095 |
| Net interest margin | 3.7621% | 3,980 |
| Noninterest income to average assets | 0.4865% | 3,966 |
| Noninterest expense to average assets | 3.3300% | 2,462 |
| Loan and lease loss provision to assets | 0.4865% | 2,028 |
| Net operating income to assets | 0.2257% | 5,645 |
| Return on assets (ROA) | 0.2257% | 5,766 |
| Pretax return on assets | 0.1856% | 5,957 |
| Return on Equity (ROE) | 1.9616% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.6539% | 5,593 |
| Net charge-offs to loans | -0.1260% | 7,211 |
| Credit loss provision to net charge-offs | -606.2500% | 6,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3283% | 2,197 |
| Assets per employee ($millions) | 2.8011% | 6,467 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 3,794 |
| Loan loss allowance to noncurrent loans | 40.2820% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 2,584 |
| Noncurrent loans to loans | 3.9161% | 1,771 |
| Net loans and leases to total assets | 63.6415% | 3,543 |
| Net loans and leases to deposits | 72.4673% | 4,044 |
| Net loans and leases to core deposits | 75.4170% | 4,388 |
| Total domestic deposits to total assets | 87.8210% | 2,268 |
| Equity capital to assets | 11.7379% | 2,297 |
| Core capital (leverage) ratio | 11.3181% | 2,038 |
| Tier 1 risk-based capital ratio | 15.9758% | 2,983 |
| Total risk-based capital ratio | 17.2268% | 2,952 |
| Memoranda: | ||
| Average total assets | $39,879,330 | 6,787 |
| Average earning assets | $37,266,670 | 6,752 |
| Average equity | $4,588,000 | 6,655 |
| Average total loans | $25,405,000 | 6,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 5,447 |
| Cost of funding earning assets | 0.6918% | 6,178 |
| Net interest margin | 3.7781% | 3,718 |
| Noninterest income to average assets | 0.4974% | 3,915 |
| Noninterest expense to average assets | 3.3622% | 2,380 |
| Loan and lease loss provision to assets | 0.8157% | 1,026 |
| Net operating income to assets | -0.1492% | 6,506 |
| Return on assets (ROA) | -0.1492% | 6,526 |
| Pretax return on assets | -0.1492% | 6,497 |
| Return on Equity (ROE) | -1.3099% | 6,526 |
| Retained earnings to average equity (ytd only) | -1.3099% | 6,047 |
| Net charge-offs to loans | 0.0157% | 4,864 |
| Credit loss provision to net charge-offs | 8,200.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 451 |
| Efficiency ratio | 81.4815% | 2,307 |
| Assets per employee ($millions) | 2.8804% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 4,263 |
| Loan loss allowance to noncurrent loans | 37.0221% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 2.5493% | 2,681 |
| Noncurrent loans to loans | 4.0232% | 1,803 |
| Net loans and leases to total assets | 60.3571% | 4,194 |
| Net loans and leases to deposits | 68.4237% | 4,619 |
| Net loans and leases to core deposits | 71.4089% | 4,868 |
| Total domestic deposits to total assets | 88.2108% | 2,257 |
| Equity capital to assets | 11.3404% | 2,386 |
| Core capital (leverage) ratio | 10.8327% | 2,329 |
| Tier 1 risk-based capital ratio | 15.9630% | 2,916 |
| Total risk-based capital ratio | 17.2125% | 2,889 |
| Memoranda: | ||
| Average total assets | $40,211,500 | 6,825 |
| Average earning assets | $37,585,500 | 6,782 |
| Average equity | $4,580,500 | 6,688 |
| Average total loans | $25,429,000 | 6,563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 3,729 |
| Cost of funding earning assets | 1.0192% | 5,595 |
| Net interest margin | 4.1556% | 2,344 |
| Noninterest income to average assets | 0.3611% | 5,222 |
| Noninterest expense to average assets | 3.1931% | 3,118 |
| Loan and lease loss provision to assets | 0.3979% | 3,727 |
| Net operating income to assets | 0.6411% | 3,481 |
| Return on assets (ROA) | 0.6411% | 3,634 |
| Pretax return on assets | 0.6460% | 4,180 |
| Return on Equity (ROE) | 5.6574% | 3,756 |
| Retained earnings to average equity (ytd only) | 0.3468% | 5,405 |
| Net charge-offs to loans | 0.9266% | 2,330 |
| Credit loss provision to net charge-offs | 63.0350% | 6,031 |
| Earnings coverage of net charge-offs (x) | 1.6537% | 4,496 |
| Efficiency ratio | 73.5652% | 3,479 |
| Assets per employee ($millions) | 2.8641% | 6,410 |
| Cash dividends to net income (ytd only)* | 93.8697% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,957 |
| Loan loss allowance to noncurrent loans | 140.6863% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 5,409 |
| Noncurrent loans to loans | 0.7801% | 5,480 |
| Net loans and leases to total assets | 64.5020% | 3,760 |
| Net loans and leases to deposits | 73.2111% | 4,328 |
| Net loans and leases to core deposits | 75.7697% | 4,755 |
| Total domestic deposits to total assets | 88.1041% | 2,188 |
| Equity capital to assets | 11.4420% | 2,313 |
| Core capital (leverage) ratio | 11.2194% | 1,999 |
| Tier 1 risk-based capital ratio | 15.0518% | 3,213 |
| Total risk-based capital ratio | 16.0137% | 3,345 |
| Memoranda: | ||
| Average total assets | $40,712,400 | 6,838 |
| Average earning assets | $37,972,400 | 6,792 |
| Average equity | $4,613,400 | 6,782 |
| Average total loans | $27,735,200 | 6,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 3,773 |
| Cost of funding earning assets | 1.0857% | 5,514 |
| Net interest margin | 4.1265% | 2,503 |
| Noninterest income to average assets | 0.3654% | 5,234 |
| Noninterest expense to average assets | 3.0897% | 3,379 |
| Loan and lease loss provision to assets | 0.4535% | 3,204 |
| Net operating income to assets | 0.6786% | 3,513 |
| Return on assets (ROA) | 0.6786% | 3,669 |
| Pretax return on assets | 0.6786% | 4,308 |
| Return on Equity (ROE) | 6.0031% | 3,810 |
| Retained earnings to average equity (ytd only) | 1.9624% | 4,976 |
| Net charge-offs to loans | 0.8579% | 2,303 |
| Credit loss provision to net charge-offs | 76.7956% | 5,232 |
| Earnings coverage of net charge-offs (x) | 1.9171% | 4,272 |
| Efficiency ratio | 71.4065% | 3,819 |
| Assets per employee ($millions) | 2.8421% | 6,500 |
| Cash dividends to net income (ytd only)* | 67.3061% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,920 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 6,143 |
| Noncurrent loans to loans | 0.7846% | 5,643 |
| Net loans and leases to total assets | 64.4911% | 4,020 |
| Net loans and leases to deposits | 73.4704% | 4,598 |
| Net loans and leases to core deposits | 77.2224% | 4,897 |
| Total domestic deposits to total assets | 87.7783% | 2,112 |
| Equity capital to assets | 11.6612% | 2,397 |
| Core capital (leverage) ratio | 11.3884% | 2,018 |
| Tier 1 risk-based capital ratio | 16.1861% | 2,681 |
| Total risk-based capital ratio | 17.3994% | 2,644 |
| Memoranda: | ||
| Average total assets | $40,866,000 | 6,913 |
| Average earning assets | $38,191,250 | 6,871 |
| Average equity | $4,619,750 | 6,868 |
| Average total loans | $28,131,250 | 6,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 3,721 |
| Cost of funding earning assets | 1.1161% | 5,592 |
| Net interest margin | 4.1321% | 2,419 |
| Noninterest income to average assets | 0.3542% | 5,316 |
| Noninterest expense to average assets | 2.9642% | 3,842 |
| Loan and lease loss provision to assets | 0.2911% | 4,054 |
| Net operating income to assets | 0.9606% | 2,329 |
| Return on assets (ROA) | 0.9606% | 2,417 |
| Pretax return on assets | 0.9606% | 3,275 |
| Return on Equity (ROE) | 8.5844% | 2,628 |
| Retained earnings to average equity (ytd only) | 3.8153% | 3,665 |
| Net charge-offs to loans | 0.0139% | 6,150 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 260 |
| Efficiency ratio | 68.5846% | 4,461 |
| Assets per employee ($millions) | 2.8427% | 6,473 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,481 |
| Loan loss allowance to noncurrent loans | 122.5627% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 5,314 |
| Noncurrent loans to loans | 1.2993% | 4,782 |
| Net loans and leases to total assets | 68.3200% | 3,284 |
| Net loans and leases to deposits | 77.8369% | 4,006 |
| Net loans and leases to core deposits | 81.1569% | 4,534 |
| Total domestic deposits to total assets | 87.7733% | 2,125 |
| Equity capital to assets | 11.7091% | 2,273 |
| Core capital (leverage) ratio | 11.1301% | 2,147 |
| Tier 1 risk-based capital ratio | 14.7433% | 3,305 |
| Total risk-based capital ratio | 15.9946% | 3,275 |
| Memoranda: | ||
| Average total assets | $41,224,670 | 6,953 |
| Average earning assets | $38,528,000 | 6,908 |
| Average equity | $4,613,000 | 6,898 |
| Average total loans | $28,841,330 | 6,589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 4,006 |
| Cost of funding earning assets | 1.1241% | 5,778 |
| Net interest margin | 4.0775% | 2,538 |
| Noninterest income to average assets | 0.3148% | 5,635 |
| Noninterest expense to average assets | 2.8804% | 4,134 |
| Loan and lease loss provision to assets | 0.3624% | 3,197 |
| Net operating income to assets | 0.9061% | 2,520 |
| Return on assets (ROA) | 0.9061% | 2,590 |
| Pretax return on assets | 0.8775% | 3,550 |
| Return on Equity (ROE) | 8.2798% | 2,744 |
| Retained earnings to average equity (ytd only) | 3.0504% | 4,308 |
| Net charge-offs to loans | -0.0136% | 6,967 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0556% | 4,712 |
| Assets per employee ($millions) | 2.8984% | 6,445 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,229 |
| Loan loss allowance to noncurrent loans | 56.7385% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 3,736 |
| Noncurrent loans to loans | 2.5316% | 3,139 |
| Net loans and leases to total assets | 71.1930% | 2,651 |
| Net loans and leases to deposits | 80.6882% | 3,517 |
| Net loans and leases to core deposits | 83.0640% | 4,329 |
| Total domestic deposits to total assets | 88.2322% | 1,932 |
| Equity capital to assets | 11.3537% | 2,464 |
| Core capital (leverage) ratio | 10.8131% | 2,362 |
| Tier 1 risk-based capital ratio | 13.8766% | 3,745 |
| Total risk-based capital ratio | 15.1260% | 3,708 |
| Memoranda: | ||
| Average total assets | $41,938,000 | 7,021 |
| Average earning assets | $39,142,000 | 6,966 |
| Average equity | $4,589,500 | 6,980 |
| Average total loans | $29,447,000 | 6,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8558% | 2,419 |
| Cost of funding earning assets | 1.2688% | 6,413 |
| Net interest margin | 4.5870% | 1,007 |
| Noninterest income to average assets | 0.4250% | 5,006 |
| Noninterest expense to average assets | 3.2571% | 3,166 |
| Loan and lease loss provision to assets | 0.4708% | 3,999 |
| Net operating income to assets | 0.9899% | 1,870 |
| Return on assets (ROA) | 0.9899% | 1,921 |
| Pretax return on assets | 1.0026% | 2,581 |
| Return on Equity (ROE) | 8.3945% | 2,240 |
| Retained earnings to average equity (ytd only) | 1.5969% | 3,963 |
| Net charge-offs to loans | 0.9982% | 2,414 |
| Credit loss provision to net charge-offs | 62.5000% | 6,605 |
| Earnings coverage of net charge-offs (x) | 1.9561% | 4,258 |
| Efficiency ratio | 67.5094% | 5,093 |
| Assets per employee ($millions) | 3.0928% | 6,005 |
| Cash dividends to net income (ytd only)* | 80.9769% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,816 |
| Loan loss allowance to noncurrent loans | 50.7304% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7391% | 3,760 |
| Noncurrent loans to loans | 2.5452% | 3,007 |
| Net loans and leases to total assets | 67.4450% | 3,825 |
| Net loans and leases to deposits | 75.6888% | 4,798 |
| Net loans and leases to core deposits | 89.5770% | 5,176 |
| Total domestic deposits to total assets | 89.1083% | 1,431 |
| Equity capital to assets | 10.5591% | 3,117 |
| Core capital (leverage) ratio | 11.5441% | 1,894 |
| Tier 1 risk-based capital ratio | 13.1495% | 4,045 |
| Total risk-based capital ratio | 14.2798% | 4,069 |
| Memoranda: | ||
| Average total assets | $39,298,200 | 7,125 |
| Average earning assets | $36,886,600 | 7,064 |
| Average equity | $4,634,000 | 7,069 |
| Average total loans | $29,652,400 | 6,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0620% | 1,794 |
| Cost of funding earning assets | 1.3151% | 6,507 |
| Net interest margin | 4.7469% | 762 |
| Noninterest income to average assets | 0.4421% | 4,953 |
| Noninterest expense to average assets | 3.2029% | 3,286 |
| Loan and lease loss provision to assets | 0.3829% | 4,031 |
| Net operating income to assets | 1.3299% | 1,157 |
| Return on assets (ROA) | 1.3299% | 1,221 |
| Pretax return on assets | 1.3299% | 1,877 |
| Return on Equity (ROE) | 10.9543% | 1,635 |
| Retained earnings to average equity (ytd only) | 5.9359% | 1,982 |
| Net charge-offs to loans | 0.6786% | 2,661 |
| Credit loss provision to net charge-offs | 72.8477% | 5,926 |
| Earnings coverage of net charge-offs (x) | 3.2582% | 3,609 |
| Efficiency ratio | 63.8810% | 5,782 |
| Assets per employee ($millions) | 2.7216% | 6,800 |
| Cash dividends to net income (ytd only)* | 45.8121% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 3,372 |
| Loan loss allowance to noncurrent loans | 171.5909% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,754 |
| Noncurrent loans to loans | 0.8810% | 5,530 |
| Net loans and leases to total assets | 77.4585% | 1,675 |
| Net loans and leases to deposits | 88.8521% | 2,813 |
| Net loans and leases to core deposits | 105.7433% | 3,731 |
| Total domestic deposits to total assets | 87.1769% | 2,088 |
| Equity capital to assets | 12.3481% | 2,032 |
| Core capital (leverage) ratio | 11.8890% | 1,847 |
| Tier 1 risk-based capital ratio | 14.0317% | 3,533 |
| Total risk-based capital ratio | 15.2845% | 3,481 |
| Memoranda: | ||
| Average total assets | $38,298,000 | 7,223 |
| Average earning assets | $36,092,750 | 7,159 |
| Average equity | $4,649,500 | 7,127 |
| Average total loans | $29,669,250 | 6,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1262% | 1,704 |
| Cost of funding earning assets | 1.3436% | 6,667 |
| Net interest margin | 4.7827% | 672 |
| Noninterest income to average assets | 0.4119% | 5,187 |
| Noninterest expense to average assets | 2.9873% | 4,133 |
| Loan and lease loss provision to assets | 0.3389% | 3,907 |
| Net operating income to assets | 1.5953% | 685 |
| Return on assets (ROA) | 1.5953% | 754 |
| Pretax return on assets | 1.5953% | 1,213 |
| Return on Equity (ROE) | 13.2153% | 1,143 |
| Retained earnings to average equity (ytd only) | 9.9762% | 739 |
| Net charge-offs to loans | 0.1759% | 4,479 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 14.2692% | 1,668 |
| Efficiency ratio | 59.6398% | 6,603 |
| Assets per employee ($millions) | 2.5073% | 7,231 |
| Cash dividends to net income (ytd only)* | 24.5098% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 1,825 |
| Loan loss allowance to noncurrent loans | 136.0614% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 4,889 |
| Noncurrent loans to loans | 1.3865% | 4,441 |
| Net loans and leases to total assets | 73.5682% | 2,824 |
| Net loans and leases to deposits | 84.5888% | 3,776 |
| Net loans and leases to core deposits | 98.6382% | 4,635 |
| Total domestic deposits to total assets | 86.9716% | 2,273 |
| Equity capital to assets | 12.5924% | 1,883 |
| Core capital (leverage) ratio | 12.0286% | 1,817 |
| Tier 1 risk-based capital ratio | 14.8670% | 3,079 |
| Total risk-based capital ratio | 16.1229% | 3,010 |
| Memoranda: | ||
| Average total assets | $38,363,000 | 7,281 |
| Average earning assets | $36,172,330 | 7,215 |
| Average equity | $4,631,000 | 7,199 |
| Average total loans | $29,570,000 | 6,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2365% | 1,485 |
| Cost of funding earning assets | 1.3980% | 6,736 |
| Net interest margin | 4.8385% | 565 |
| Noninterest income to average assets | 0.3098% | 5,967 |
| Noninterest expense to average assets | 2.9840% | 3,842 |
| Loan and lease loss provision to assets | 0.3924% | 2,973 |
| Net operating income to assets | 1.4972% | 944 |
| Return on assets (ROA) | 1.4972% | 1,013 |
| Pretax return on assets | 1.5075% | 1,644 |
| Return on Equity (ROE) | 12.6679% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.6679% | 689 |
| Net charge-offs to loans | 0.6082% | 1,957 |
| Credit loss provision to net charge-offs | 82.6087% | 4,149 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,006 |
| Efficiency ratio | 60.4651% | 6,326 |
| Assets per employee ($millions) | 2.7282% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 2,481 |
| Loan loss allowance to noncurrent loans | 282.5581% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 6,142 |
| Noncurrent loans to loans | 0.5697% | 5,991 |
| Net loans and leases to total assets | 77.7746% | 1,872 |
| Net loans and leases to deposits | 89.0601% | 3,093 |
| Net loans and leases to core deposits | 103.8926% | 4,149 |
| Total domestic deposits to total assets | 87.3282% | 2,047 |
| Equity capital to assets | 12.1770% | 2,154 |
| Core capital (leverage) ratio | 11.4713% | 2,164 |
| Tier 1 risk-based capital ratio | 13.7498% | 3,718 |
| Total risk-based capital ratio | 15.0023% | 3,641 |
| Memoranda: | ||
| Average total assets | $38,739,500 | 7,311 |
| Average earning assets | $36,623,000 | 7,240 |
| Average equity | $4,578,500 | 7,263 |
| Average total loans | $30,254,500 | 6,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9109% | 1,367 |
| Cost of funding earning assets | 2.0896% | 6,099 |
| Net interest margin | 4.8213% | 744 |
| Noninterest income to average assets | 0.8567% | 2,185 |
| Noninterest expense to average assets | 3.0035% | 4,068 |
| Loan and lease loss provision to assets | 0.6780% | 2,141 |
| Net operating income to assets | 1.6056% | 827 |
| Return on assets (ROA) | 1.6056% | 790 |
| Pretax return on assets | 1.6739% | 1,207 |
| Return on Equity (ROE) | 13.7520% | 1,158 |
| Retained earnings to average equity (ytd only) | 4.4114% | 2,378 |
| Net charge-offs to loans | 0.8562% | 1,464 |
| Credit loss provision to net charge-offs | 105.7377% | 5,066 |
| Earnings coverage of net charge-offs (x) | 3.6680% | 4,261 |
| Efficiency ratio | 56.0844% | 6,995 |
| Assets per employee ($millions) | 2.8060% | 6,544 |
| Cash dividends to net income (ytd only)* | 67.9214% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 2,134 |
| Loan loss allowance to noncurrent loans | 553.9326% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 6,672 |
| Noncurrent loans to loans | 0.2936% | 6,498 |
| Net loans and leases to total assets | 75.9189% | 2,646 |
| Net loans and leases to deposits | 86.2314% | 4,082 |
| Net loans and leases to core deposits | 100.4479% | 4,782 |
| Total domestic deposits to total assets | 88.0409% | 1,458 |
| Equity capital to assets | 11.4703% | 2,654 |
| Core capital (leverage) ratio | 11.1026% | 2,507 |
| Tier 1 risk-based capital ratio | 13.1296% | 4,046 |
| Total risk-based capital ratio | 14.3814% | 3,954 |
| Memoranda: | ||
| Average total assets | $38,055,200 | 7,303 |
| Average earning assets | $35,509,200 | 7,261 |
| Average equity | $4,443,000 | 7,346 |
| Average total loans | $28,498,400 | 6,799 |