Home > Farmers' and Traders' State Bank > Performance and Condition Ratios
Farmers' and Traders' State Bank, Performance and Condition Ratios
| 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 | 3.0924% | 7,006 |
| Cost of funding earning assets | 0.6732% | 4,515 |
| Net interest margin | 2.4192% | 7,001 |
| Noninterest income to average assets | 0.1658% | 6,393 |
| Noninterest expense to average assets | 4.9728% | 372 |
| Loan and lease loss provision to assets | 4.5123% | 26 |
| Net operating income to assets | -7.2013% | 7,288 |
| Return on assets (ROA) | -7.2013% | 7,288 |
| Pretax return on assets | -7.2013% | 7,288 |
| Return on Equity (ROE) | -323.8095% | 7,298 |
| Retained earnings to average equity (ytd only) | -323.8095% | 7,298 |
| Net charge-offs to loans | 21.6484% | 3 |
| Credit loss provision to net charge-offs | 38.0140% | 3,479 |
| Earnings coverage of net charge-offs (x) | -0.2265% | 4,446 |
| Efficiency ratio | 217.7419% | 34 |
| Assets per employee ($millions) | 3.5898% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7240% | 38 |
| Loan loss allowance to noncurrent loans | 21.4249% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 18.7339% | 60 |
| Noncurrent loans to loans | 36.0515% | 7 |
| Net loans and leases to total assets | 45.7878% | 5,807 |
| Net loans and leases to deposits | 46.6266% | 6,380 |
| Net loans and leases to core deposits | 48.7638% | 6,413 |
| Total domestic deposits to total assets | 98.2009% | 5 |
| Equity capital to assets | 1.3395% | 7,296 |
| Core capital (leverage) ratio | 1.2598% | 7,297 |
| Tier 1 risk-based capital ratio | 2.3776% | 7,294 |
| Total risk-based capital ratio | 3.7014% | 7,292 |
| Memoranda: | ||
| Average total assets | $43,436,500 | 6,550 |
| Average earning assets | $38,028,500 | 6,601 |
| Average equity | $966,000 | 7,278 |
| Average total loans | $23,817,000 | 6,425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 6,157 |
| Cost of funding earning assets | 1.0589% | 2,961 |
| Net interest margin | 3.1047% | 6,335 |
| Noninterest income to average assets | 0.1520% | 6,391 |
| Noninterest expense to average assets | 3.4778% | 2,042 |
| Loan and lease loss provision to assets | 6.8892% | 9 |
| Net operating income to assets | -7.4346% | 7,340 |
| Return on assets (ROA) | -7.2769% | 7,339 |
| Pretax return on assets | -7.2712% | 7,341 |
| Return on Equity (ROE) | -110.0920% | 7,317 |
| Retained earnings to average equity (ytd only) | -110.0920% | 7,317 |
| Net charge-offs to loans | 4.8987% | 85 |
| Credit loss provision to net charge-offs | 227.8441% | 1,063 |
| Earnings coverage of net charge-offs (x) | -0.1785% | 5,944 |
| Efficiency ratio | 118.3700% | 318 |
| Assets per employee ($millions) | 3.6497% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3301% | 20 |
| Loan loss allowance to noncurrent loans | 31.7152% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 18.5725% | 68 |
| Noncurrent loans to loans | 29.4185% | 16 |
| Net loans and leases to total assets | 54.3634% | 4,986 |
| Net loans and leases to deposits | 56.3700% | 5,854 |
| Net loans and leases to core deposits | 61.8287% | 5,676 |
| Total domestic deposits to total assets | 96.4403% | 30 |
| Equity capital to assets | 3.0939% | 7,271 |
| Core capital (leverage) ratio | 2.6648% | 7,284 |
| Tier 1 risk-based capital ratio | 4.8435% | 7,246 |
| Total risk-based capital ratio | 6.1602% | 7,247 |
| Memoranda: | ||
| Average total assets | $52,618,800 | 6,283 |
| Average earning assets | $47,218,400 | 6,283 |
| Average equity | $3,478,000 | 6,884 |
| Average total loans | $32,478,000 | 6,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 6,365 |
| Cost of funding earning assets | 1.1082% | 2,920 |
| Net interest margin | 3.0119% | 6,563 |
| Noninterest income to average assets | 0.1556% | 6,483 |
| Noninterest expense to average assets | 2.9743% | 3,657 |
| Loan and lease loss provision to assets | 5.1022% | 28 |
| Net operating income to assets | -5.2116% | 7,381 |
| Return on assets (ROA) | -5.0098% | 7,381 |
| Pretax return on assets | -5.0025% | 7,379 |
| Return on Equity (ROE) | -68.5151% | 7,341 |
| Retained earnings to average equity (ytd only) | -68.5151% | 7,339 |
| Net charge-offs to loans | 5.1909% | 90 |
| Credit loss provision to net charge-offs | 158.3396% | 1,959 |
| Earnings coverage of net charge-offs (x) | -0.0317% | 5,623 |
| Efficiency ratio | 103.5563% | 563 |
| Assets per employee ($millions) | 4.8154% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7726% | 469 |
| Loan loss allowance to noncurrent loans | 22.9360% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 10.7138% | 311 |
| Noncurrent loans to loans | 16.4483% | 108 |
| Net loans and leases to total assets | 57.2561% | 4,634 |
| Net loans and leases to deposits | 61.1033% | 5,505 |
| Net loans and leases to core deposits | 62.0611% | 5,806 |
| Total domestic deposits to total assets | 93.7039% | 99 |
| Equity capital to assets | 5.8827% | 7,199 |
| Core capital (leverage) ratio | 5.1230% | 7,223 |
| Tier 1 risk-based capital ratio | 9.5026% | 7,052 |
| Total risk-based capital ratio | 10.7821% | 7,048 |
| Memoranda: | ||
| Average total assets | $54,824,500 | 6,249 |
| Average earning assets | $49,447,750 | 6,267 |
| Average equity | $4,008,750 | 6,800 |
| Average total loans | $34,032,750 | 6,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 6,518 |
| Cost of funding earning assets | 1.0500% | 3,602 |
| Net interest margin | 3.0381% | 6,530 |
| Noninterest income to average assets | 0.1623% | 6,496 |
| Noninterest expense to average assets | 2.8678% | 4,152 |
| Loan and lease loss provision to assets | 5.3388% | 40 |
| Net operating income to assets | -5.3100% | 7,446 |
| Return on assets (ROA) | -5.3100% | 7,448 |
| Pretax return on assets | -5.2991% | 7,446 |
| Return on Equity (ROE) | -68.3645% | 7,397 |
| Retained earnings to average equity (ytd only) | -68.3645% | 7,394 |
| Net charge-offs to loans | 0.9635% | 1,627 |
| Credit loss provision to net charge-offs | 880.9524% | 368 |
| Earnings coverage of net charge-offs (x) | 0.0655% | 5,242 |
| Efficiency ratio | 98.6352% | 772 |
| Assets per employee ($millions) | 5.4495% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1723% | 166 |
| Loan loss allowance to noncurrent loans | 24.0200% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 12.7052% | 222 |
| Noncurrent loans to loans | 21.5331% | 45 |
| Net loans and leases to total assets | 52.8510% | 5,454 |
| Net loans and leases to deposits | 59.8738% | 5,735 |
| Net loans and leases to core deposits | 85.0816% | 3,061 |
| Total domestic deposits to total assets | 88.2707% | 1,984 |
| Equity capital to assets | 6.3176% | 7,208 |
| Core capital (leverage) ratio | 6.7375% | 7,071 |
| Tier 1 risk-based capital ratio | 11.0634% | 6,475 |
| Total risk-based capital ratio | 12.3634% | 6,435 |
| Memoranda: | ||
| Average total assets | $55,443,000 | 6,278 |
| Average earning assets | $50,096,330 | 6,289 |
| Average equity | $4,306,330 | 6,743 |
| Average total loans | $34,871,330 | 6,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 3,762 |
| Cost of funding earning assets | 1.0378% | 3,936 |
| Net interest margin | 3.8248% | 3,489 |
| Noninterest income to average assets | 0.1955% | 6,324 |
| Noninterest expense to average assets | 2.9628% | 3,803 |
| Loan and lease loss provision to assets | 10.3699% | 8 |
| Net operating income to assets | -9.7232% | 7,552 |
| Return on assets (ROA) | -9.7232% | 7,552 |
| Pretax return on assets | -9.7006% | 7,548 |
| Return on Equity (ROE) | -113.2720% | 7,502 |
| Retained earnings to average equity (ytd only) | -113.2720% | 7,497 |
| Net charge-offs to loans | 1.8875% | 682 |
| Credit loss provision to net charge-offs | 820.8333% | 470 |
| Earnings coverage of net charge-offs (x) | 0.5298% | 4,224 |
| Efficiency ratio | 81.5735% | 2,286 |
| Assets per employee ($millions) | 5.4171% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6285% | 259 |
| Loan loss allowance to noncurrent loans | 70.9241% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 5.0138% | 1,257 |
| Noncurrent loans to loans | 6.5259% | 907 |
| Net loans and leases to total assets | 61.8874% | 3,883 |
| Net loans and leases to deposits | 71.2934% | 4,162 |
| Net loans and leases to core deposits | 98.1468% | 1,512 |
| Total domestic deposits to total assets | 86.8066% | 3,054 |
| Equity capital to assets | 7.2640% | 6,990 |
| Core capital (leverage) ratio | 7.0646% | 6,980 |
| Tier 1 risk-based capital ratio | 10.9564% | 6,539 |
| Total risk-based capital ratio | 12.2494% | 6,493 |
| Memoranda: | ||
| Average total assets | $53,192,500 | 6,404 |
| Average earning assets | $47,793,500 | 6,420 |
| Average equity | $4,566,000 | 6,693 |
| Average total loans | $35,602,500 | 6,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8452% | 1,160 |
| Cost of funding earning assets | 1.1076% | 5,102 |
| Net interest margin | 4.7376% | 751 |
| Noninterest income to average assets | 0.1966% | 6,367 |
| Noninterest expense to average assets | 3.2107% | 3,049 |
| Loan and lease loss provision to assets | 0.0592% | 6,550 |
| Net operating income to assets | 1.1689% | 1,489 |
| Return on assets (ROA) | 1.2175% | 1,446 |
| Pretax return on assets | 1.2154% | 2,173 |
| Return on Equity (ROE) | 11.3695% | 1,488 |
| Retained earnings to average equity (ytd only) | 6.9283% | 1,353 |
| Net charge-offs to loans | 0.1597% | 5,387 |
| Credit loss provision to net charge-offs | 50.9091% | 6,244 |
| Earnings coverage of net charge-offs (x) | 10.5455% | 1,693 |
| Efficiency ratio | 72.3678% | 3,726 |
| Assets per employee ($millions) | 5.8016% | 1,351 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,717 |
| Loan loss allowance to noncurrent loans | 33.3066% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.8307% | 2,477 |
| Noncurrent loans to loans | 3.4643% | 2,185 |
| Net loans and leases to total assets | 68.2518% | 2,920 |
| Net loans and leases to deposits | 81.5660% | 2,893 |
| Net loans and leases to core deposits | 120.6561% | 516 |
| Total domestic deposits to total assets | 83.6768% | 4,516 |
| Equity capital to assets | 9.9533% | 3,805 |
| Core capital (leverage) ratio | 9.8616% | 3,250 |
| Tier 1 risk-based capital ratio | 13.9813% | 3,885 |
| Total risk-based capital ratio | 15.1091% | 3,943 |
| Memoranda: | ||
| Average total assets | $47,310,200 | 6,627 |
| Average earning assets | $42,342,200 | 6,628 |
| Average equity | $5,066,200 | 6,646 |
| Average total loans | $34,436,800 | 6,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 1,019 |
| Cost of funding earning assets | 1.1240% | 5,291 |
| Net interest margin | 4.8329% | 627 |
| Noninterest income to average assets | 0.2112% | 6,402 |
| Noninterest expense to average assets | 3.1854% | 2,979 |
| Loan and lease loss provision to assets | 0.0810% | 6,241 |
| Net operating income to assets | 1.2643% | 1,432 |
| Return on assets (ROA) | 1.3309% | 1,358 |
| Pretax return on assets | 1.3280% | 2,098 |
| Return on Equity (ROE) | 12.1848% | 1,450 |
| Retained earnings to average equity (ytd only) | 10.1981% | 753 |
| Net charge-offs to loans | 0.2155% | 4,646 |
| Credit loss provision to net charge-offs | 50.9091% | 5,867 |
| Earnings coverage of net charge-offs (x) | 8.4365% | 2,166 |
| Efficiency ratio | 70.3514% | 3,994 |
| Assets per employee ($millions) | 5.5679% | 1,565 |
| Cash dividends to net income (ytd only)* | 16.3047% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,744 |
| Loan loss allowance to noncurrent loans | 34.6090% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8557% | 2,543 |
| Noncurrent loans to loans | 3.3002% | 2,397 |
| Net loans and leases to total assets | 71.8525% | 2,284 |
| Net loans and leases to deposits | 86.4718% | 2,242 |
| Net loans and leases to core deposits | 133.4940% | 331 |
| Total domestic deposits to total assets | 83.0935% | 4,557 |
| Equity capital to assets | 10.5466% | 3,473 |
| Core capital (leverage) ratio | 10.7441% | 2,473 |
| Tier 1 risk-based capital ratio | 13.1049% | 4,499 |
| Total risk-based capital ratio | 14.1552% | 4,633 |
| Memoranda: | ||
| Average total assets | $46,084,250 | 6,735 |
| Average earning assets | $41,161,000 | 6,754 |
| Average equity | $5,033,500 | 6,743 |
| Average total loans | $34,032,750 | 6,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8593% | 1,281 |
| Cost of funding earning assets | 1.1468% | 5,426 |
| Net interest margin | 4.7125% | 801 |
| Noninterest income to average assets | 0.2101% | 6,417 |
| Noninterest expense to average assets | 3.2408% | 2,759 |
| Loan and lease loss provision to assets | 0.1252% | 5,634 |
| Net operating income to assets | 1.0505% | 2,012 |
| Return on assets (ROA) | 1.0505% | 2,087 |
| Pretax return on assets | 1.0505% | 2,930 |
| Return on Equity (ROE) | 9.4956% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.4651% | 2,093 |
| Net charge-offs to loans | 0.3310% | 3,670 |
| Credit loss provision to net charge-offs | 50.9091% | 5,395 |
| Earnings coverage of net charge-offs (x) | 4.7818% | 2,844 |
| Efficiency ratio | 73.3806% | 3,581 |
| Assets per employee ($millions) | 4.2372% | 3,324 |
| Cash dividends to net income (ytd only)* | 31.9149% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,796 |
| Loan loss allowance to noncurrent loans | 35.6775% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.9930% | 2,382 |
| Noncurrent loans to loans | 3.1666% | 2,527 |
| Net loans and leases to total assets | 78.1094% | 1,097 |
| Net loans and leases to deposits | 94.7801% | 1,177 |
| Net loans and leases to core deposits | 144.5887% | 240 |
| Total domestic deposits to total assets | 82.4111% | 4,822 |
| Equity capital to assets | 10.8563% | 3,015 |
| Core capital (leverage) ratio | 10.5402% | 2,594 |
| Tier 1 risk-based capital ratio | 12.6939% | 4,694 |
| Total risk-based capital ratio | 13.7573% | 4,829 |
| Memoranda: | ||
| Average total assets | $44,742,000 | 6,839 |
| Average earning assets | $39,936,670 | 6,844 |
| Average equity | $4,949,670 | 6,794 |
| Average total loans | $33,236,330 | 6,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 1,848 |
| Cost of funding earning assets | 1.1402% | 5,702 |
| Net interest margin | 4.5404% | 1,062 |
| Noninterest income to average assets | 0.2831% | 5,875 |
| Noninterest expense to average assets | 3.1683% | 2,981 |
| Loan and lease loss provision to assets | 0.1826% | 4,693 |
| Net operating income to assets | 0.9678% | 2,307 |
| Return on assets (ROA) | 0.9678% | 2,369 |
| Pretax return on assets | 0.9678% | 3,206 |
| Return on Equity (ROE) | 8.6628% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.5335% | 4,612 |
| Net charge-offs to loans | 0.1908% | 3,777 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,961 |
| Efficiency ratio | 73.3615% | 3,695 |
| Assets per employee ($millions) | 4.1612% | 3,540 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,987 |
| Loan loss allowance to noncurrent loans | 36.2460% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 3.2006% | 2,244 |
| Noncurrent loans to loans | 3.5585% | 2,242 |
| Net loans and leases to total assets | 74.9044% | 1,764 |
| Net loans and leases to deposits | 90.8744% | 1,774 |
| Net loans and leases to core deposits | 142.8167% | 298 |
| Total domestic deposits to total assets | 82.4263% | 4,882 |
| Equity capital to assets | 10.7312% | 3,022 |
| Core capital (leverage) ratio | 11.1352% | 2,137 |
| Tier 1 risk-based capital ratio | 12.7457% | 4,525 |
| Total risk-based capital ratio | 13.9259% | 4,550 |
| Memoranda: | ||
| Average total assets | $43,808,500 | 6,959 |
| Average earning assets | $38,939,000 | 6,975 |
| Average equity | $4,894,500 | 6,882 |
| Average total loans | $31,443,500 | 6,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 2,404 |
| Cost of funding earning assets | 1.2190% | 6,592 |
| Net interest margin | 4.6418% | 915 |
| Noninterest income to average assets | 0.7084% | 2,910 |
| Noninterest expense to average assets | 3.9392% | 1,453 |
| Loan and lease loss provision to assets | 1.3728% | 1,676 |
| Net operating income to assets | -0.5706% | 6,244 |
| Return on assets (ROA) | -0.5403% | 6,218 |
| Pretax return on assets | -0.5320% | 6,035 |
| Return on Equity (ROE) | -3.8593% | 6,100 |
| Retained earnings to average equity (ytd only) | -4.8439% | 6,000 |
| Net charge-offs to loans | 0.4456% | 4,008 |
| Credit loss provision to net charge-offs | 452.7273% | 687 |
| Earnings coverage of net charge-offs (x) | 2.6727% | 3,770 |
| Efficiency ratio | 82.9367% | 2,483 |
| Assets per employee ($millions) | 4.1844% | 3,467 |
| Cash dividends to net income (ytd only)* | -25.5102% | 7,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,387 |
| Loan loss allowance to noncurrent loans | 33.4592% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 3.7114% | 1,796 |
| Noncurrent loans to loans | 4.7029% | 1,488 |
| Net loans and leases to total assets | 66.2222% | 4,103 |
| Net loans and leases to deposits | 81.7863% | 3,649 |
| Net loans and leases to core deposits | 113.9626% | 2,501 |
| Total domestic deposits to total assets | 80.9698% | 5,351 |
| Equity capital to assets | 11.6552% | 2,214 |
| Core capital (leverage) ratio | 12.5927% | 1,412 |
| Tier 1 risk-based capital ratio | 15.0089% | 2,933 |
| Total risk-based capital ratio | 16.2893% | 2,871 |
| Memoranda: | ||
| Average total assets | $36,276,600 | 7,232 |
| Average earning assets | $31,582,400 | 7,283 |
| Average equity | $5,078,600 | 6,914 |
| Average total loans | $24,687,800 | 6,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8973% | 2,463 |
| Cost of funding earning assets | 1.2543% | 6,701 |
| Net interest margin | 4.6430% | 917 |
| Noninterest income to average assets | 0.8676% | 2,111 |
| Noninterest expense to average assets | 3.9902% | 1,284 |
| Loan and lease loss provision to assets | 0.1376% | 5,974 |
| Net operating income to assets | 0.7721% | 2,930 |
| Return on assets (ROA) | 0.8141% | 2,812 |
| Pretax return on assets | 0.8141% | 3,492 |
| Return on Equity (ROE) | 5.5369% | 3,716 |
| Retained earnings to average equity (ytd only) | 4.2373% | 2,906 |
| Net charge-offs to loans | 0.0056% | 6,884 |
| Credit loss provision to net charge-offs | 3,600.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 238.5940% | 162 |
| Efficiency ratio | 81.4353% | 2,658 |
| Assets per employee ($millions) | 3.7375% | 4,342 |
| Cash dividends to net income (ytd only)* | 23.4762% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3525% | 7,867 |
| Loan loss allowance to noncurrent loans | 28.3912% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 4,188 |
| Noncurrent loans to loans | 1.2414% | 4,871 |
| Net loans and leases to total assets | 68.0803% | 3,938 |
| Net loans and leases to deposits | 87.8292% | 2,998 |
| Net loans and leases to core deposits | 102.2997% | 4,128 |
| Total domestic deposits to total assets | 77.5144% | 6,213 |
| Equity capital to assets | 14.2047% | 1,236 |
| Core capital (leverage) ratio | 14.6320% | 931 |
| Tier 1 risk-based capital ratio | 17.8400% | 2,036 |
| Total risk-based capital ratio | 18.1479% | 2,255 |
| Memoranda: | ||
| Average total assets | $34,884,750 | 7,342 |
| Average earning assets | $30,295,500 | 7,404 |
| Average equity | $5,129,000 | 6,959 |
| Average total loans | $23,821,500 | 7,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9114% | 2,536 |
| Cost of funding earning assets | 1.2827% | 6,865 |
| Net interest margin | 4.6287% | 908 |
| Noninterest income to average assets | 0.3994% | 5,293 |
| Noninterest expense to average assets | 3.9172% | 1,451 |
| Loan and lease loss provision to assets | 0.1409% | 5,666 |
| Net operating income to assets | 0.3465% | 4,690 |
| Return on assets (ROA) | 0.4111% | 4,574 |
| Pretax return on assets | 0.4111% | 4,902 |
| Return on Equity (ROE) | 2.7619% | 4,994 |
| Retained earnings to average equity (ytd only) | 0.7891% | 4,874 |
| Net charge-offs to loans | 0.0086% | 6,453 |
| Credit loss provision to net charge-offs | 2,400.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 462 |
| Efficiency ratio | 88.9333% | 1,910 |
| Assets per employee ($millions) | 3.4616% | 4,920 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3385% | 7,958 |
| Loan loss allowance to noncurrent loans | 31.9672% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 4,006 |
| Noncurrent loans to loans | 1.0588% | 5,097 |
| Net loans and leases to total assets | 66.3508% | 4,498 |
| Net loans and leases to deposits | 86.8323% | 3,380 |
| Net loans and leases to core deposits | 100.0261% | 4,509 |
| Total domestic deposits to total assets | 76.4126% | 6,462 |
| Equity capital to assets | 14.6609% | 1,120 |
| Core capital (leverage) ratio | 15.2642% | 865 |
| Tier 1 risk-based capital ratio | 19.1216% | 1,756 |
| Total risk-based capital ratio | 19.4119% | 1,919 |
| Memoranda: | ||
| Average total assets | $34,054,670 | 7,448 |
| Average earning assets | $29,468,330 | 7,504 |
| Average equity | $5,069,000 | 7,036 |
| Average total loans | $23,250,330 | 7,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 2,588 |
| Cost of funding earning assets | 1.3286% | 6,938 |
| Net interest margin | 4.6158% | 914 |
| Noninterest income to average assets | 0.4501% | 4,768 |
| Noninterest expense to average assets | 4.0623% | 1,109 |
| Loan and lease loss provision to assets | 0.1421% | 5,127 |
| Net operating income to assets | 0.2369% | 5,543 |
| Return on assets (ROA) | 0.2369% | 5,702 |
| Pretax return on assets | 0.2369% | 5,857 |
| Return on Equity (ROE) | 1.5792% | 5,930 |
| Retained earnings to average equity (ytd only) | -2.3687% | 6,168 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4667% | 1,614 |
| Assets per employee ($millions) | 3.3792% | 5,129 |
| Cash dividends to net income (ytd only)* | 250.0000% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2853% | 8,043 |
| Loan loss allowance to noncurrent loans | 34.1969% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 3,900 |
| Noncurrent loans to loans | 0.8343% | 5,353 |
| Net loans and leases to total assets | 68.2647% | 4,071 |
| Net loans and leases to deposits | 89.9688% | 2,933 |
| Net loans and leases to core deposits | 104.0834% | 4,131 |
| Total domestic deposits to total assets | 75.8759% | 6,531 |
| Equity capital to assets | 14.9503% | 1,115 |
| Core capital (leverage) ratio | 14.9535% | 983 |
| Tier 1 risk-based capital ratio | 19.1074% | 1,791 |
| Total risk-based capital ratio | 19.3585% | 1,977 |
| Memoranda: | ||
| Average total assets | $33,774,000 | 7,500 |
| Average earning assets | $29,204,000 | 7,558 |
| Average equity | $5,066,000 | 7,089 |
| Average total loans | $23,352,500 | 7,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0521% | 5,287 |
| Cost of funding earning assets | 2.0845% | 6,115 |
| Net interest margin | 3.9677% | 3,279 |
| Noninterest income to average assets | 0.3472% | 5,963 |
| Noninterest expense to average assets | 3.5636% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1778% | 5,915 |
| Return on assets (ROA) | 0.3055% | 5,343 |
| Pretax return on assets | 0.3055% | 5,501 |
| Return on Equity (ROE) | 2.2026% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.2026% | 3,843 |
| Net charge-offs to loans | 0.0725% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 4,151 |
| Efficiency ratio | 95.2487% | 1,206 |
| Assets per employee ($millions) | 3.3756% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2291% | 8,144 |
| Loan loss allowance to noncurrent loans | 28.1250% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 3,446 |
| Noncurrent loans to loans | 0.8146% | 5,012 |
| Net loans and leases to total assets | 69.6676% | 4,098 |
| Net loans and leases to deposits | 91.8956% | 3,157 |
| Net loans and leases to core deposits | 106.2819% | 4,162 |
| Total domestic deposits to total assets | 75.8117% | 6,287 |
| Equity capital to assets | 15.0492% | 1,149 |
| Core capital (leverage) ratio | 14.3262% | 1,180 |
| Tier 1 risk-based capital ratio | 19.0390% | 1,806 |
| Total risk-based capital ratio | 19.2425% | 1,987 |
| Memoranda: | ||
| Average total assets | $36,002,600 | 7,384 |
| Average earning assets | $30,799,000 | 7,470 |
| Average equity | $4,994,200 | 7,144 |
| Average total loans | $22,062,400 | 7,188 |