Home > Farmers Deposit Bank > Performance and Condition Ratios
Farmers Deposit 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 | 5.4981% | 726 |
| Cost of funding earning assets | 0.7827% | 3,337 |
| Net interest margin | 4.7154% | 652 |
| Noninterest income to average assets | 0.5198% | 3,789 |
| Noninterest expense to average assets | 3.0482% | 3,095 |
| Loan and lease loss provision to assets | 0.3353% | 1,966 |
| Net operating income to assets | 0.7981% | 3,402 |
| Return on assets (ROA) | 0.7981% | 3,655 |
| Pretax return on assets | 1.1972% | 2,940 |
| Return on Equity (ROE) | 4.7571% | 4,934 |
| Retained earnings to average equity (ytd only) | 1.9588% | 5,217 |
| Net charge-offs to loans | 0.9899% | 1,122 |
| Credit loss provision to net charge-offs | 50.7614% | 4,017 |
| Earnings coverage of net charge-offs (x) | 2.3198% | 3,837 |
| Efficiency ratio | 66.5447% | 4,416 |
| Assets per employee ($millions) | 3.4602% | 5,071 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,527 |
| Loan loss allowance to noncurrent loans | 46.7962% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 6.7727% | 594 |
| Noncurrent loans to loans | 4.9900% | 993 |
| Net loans and leases to total assets | 63.3500% | 3,175 |
| Net loans and leases to deposits | 76.7654% | 2,877 |
| Net loans and leases to core deposits | 79.8017% | 3,248 |
| Total domestic deposits to total assets | 82.5241% | 4,943 |
| Equity capital to assets | 17.1240% | 428 |
| Core capital (leverage) ratio | 11.5998% | 1,835 |
| Tier 1 risk-based capital ratio | 16.9694% | 2,680 |
| Total risk-based capital ratio | 18.2326% | 2,632 |
| Memoranda: | ||
| Average total assets | $59,641,330 | 6,039 |
| Average earning assets | $51,363,330 | 6,111 |
| Average equity | $10,006,000 | 5,029 |
| Average total loans | $39,800,000 | 5,611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 621 |
| Cost of funding earning assets | 0.8006% | 3,471 |
| Net interest margin | 4.8036% | 557 |
| Noninterest income to average assets | 0.8659% | 1,887 |
| Noninterest expense to average assets | 3.1707% | 2,698 |
| Loan and lease loss provision to assets | 0.6661% | 805 |
| Net operating income to assets | 0.7927% | 3,410 |
| Return on assets (ROA) | 0.7927% | 3,654 |
| Pretax return on assets | 1.1857% | 2,962 |
| Return on Equity (ROE) | 4.7731% | 4,895 |
| Retained earnings to average equity (ytd only) | -0.8423% | 6,131 |
| Net charge-offs to loans | 1.9103% | 500 |
| Credit loss provision to net charge-offs | 51.5464% | 3,253 |
| Earnings coverage of net charge-offs (x) | 1.4330% | 3,609 |
| Efficiency ratio | 63.1300% | 5,081 |
| Assets per employee ($millions) | 3.5446% | 5,014 |
| Cash dividends to net income (ytd only)* | 117.6471% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,742 |
| Loan loss allowance to noncurrent loans | 59.1270% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 5.9709% | 791 |
| Noncurrent loans to loans | 3.8355% | 1,613 |
| Net loans and leases to total assets | 63.9357% | 2,860 |
| Net loans and leases to deposits | 76.8956% | 2,691 |
| Net loans and leases to core deposits | 79.8371% | 3,088 |
| Total domestic deposits to total assets | 83.1461% | 4,866 |
| Equity capital to assets | 16.5303% | 496 |
| Core capital (leverage) ratio | 11.0877% | 2,198 |
| Tier 1 risk-based capital ratio | 15.8330% | 3,260 |
| Total risk-based capital ratio | 17.0935% | 3,225 |
| Memoranda: | ||
| Average total assets | $60,050,000 | 6,060 |
| Average earning assets | $51,961,000 | 6,134 |
| Average equity | $9,972,500 | 5,051 |
| Average total loans | $40,622,000 | 5,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 1,357 |
| Cost of funding earning assets | 1.0190% | 3,245 |
| Net interest margin | 4.4035% | 1,392 |
| Noninterest income to average assets | 0.3401% | 5,094 |
| Noninterest expense to average assets | 3.2481% | 2,697 |
| Loan and lease loss provision to assets | 0.2668% | 3,550 |
| Net operating income to assets | 0.4569% | 4,602 |
| Return on assets (ROA) | 0.4569% | 4,817 |
| Pretax return on assets | 0.6803% | 4,406 |
| Return on Equity (ROE) | 2.8152% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,242 |
| Net charge-offs to loans | 1.7651% | 846 |
| Credit loss provision to net charge-offs | 21.3333% | 5,900 |
| Earnings coverage of net charge-offs (x) | 0.7573% | 5,237 |
| Efficiency ratio | 77.4245% | 2,671 |
| Assets per employee ($millions) | 3.7401% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 1,518 |
| Loan loss allowance to noncurrent loans | 30.9621% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 6.7930% | 682 |
| Noncurrent loans to loans | 7.6298% | 542 |
| Net loans and leases to total assets | 68.2392% | 2,346 |
| Net loans and leases to deposits | 82.3436% | 2,152 |
| Net loans and leases to core deposits | 86.4324% | 2,581 |
| Total domestic deposits to total assets | 82.8713% | 4,800 |
| Equity capital to assets | 16.6842% | 490 |
| Core capital (leverage) ratio | 11.4514% | 1,930 |
| Tier 1 risk-based capital ratio | 15.3820% | 3,398 |
| Total risk-based capital ratio | 16.6437% | 3,347 |
| Memoranda: | ||
| Average total assets | $59,974,000 | 6,037 |
| Average earning assets | $52,504,200 | 6,109 |
| Average equity | $9,733,000 | 5,089 |
| Average total loans | $42,491,000 | 5,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 1,412 |
| Cost of funding earning assets | 1.0604% | 3,243 |
| Net interest margin | 4.3786% | 1,465 |
| Noninterest income to average assets | 0.2933% | 5,512 |
| Noninterest expense to average assets | 3.3862% | 2,231 |
| Loan and lease loss provision to assets | 0.3555% | 2,742 |
| Net operating income to assets | 0.2644% | 5,528 |
| Return on assets (ROA) | 0.2644% | 5,682 |
| Pretax return on assets | 0.3866% | 5,512 |
| Return on Equity (ROE) | 1.6407% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.6407% | 5,319 |
| Net charge-offs to loans | 0.0094% | 6,031 |
| Credit loss provision to net charge-offs | 5,333.3333% | 56 |
| Earnings coverage of net charge-offs (x) | 111.3300% | 322 |
| Efficiency ratio | 82.0237% | 1,968 |
| Assets per employee ($millions) | 2.7863% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0887% | 364 |
| Loan loss allowance to noncurrent loans | 45.7060% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 7.9811% | 555 |
| Noncurrent loans to loans | 8.9457% | 438 |
| Net loans and leases to total assets | 69.5555% | 2,167 |
| Net loans and leases to deposits | 84.2786% | 1,958 |
| Net loans and leases to core deposits | 88.5781% | 2,417 |
| Total domestic deposits to total assets | 82.5304% | 4,864 |
| Equity capital to assets | 16.8851% | 494 |
| Core capital (leverage) ratio | 11.0927% | 2,322 |
| Tier 1 risk-based capital ratio | 15.4767% | 3,403 |
| Total risk-based capital ratio | 16.7629% | 3,346 |
| Memoranda: | ||
| Average total assets | $60,007,250 | 6,085 |
| Average earning assets | $52,557,000 | 6,149 |
| Average equity | $9,670,250 | 5,137 |
| Average total loans | $42,658,000 | 5,620 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 1,353 |
| Cost of funding earning assets | 1.0972% | 3,262 |
| Net interest margin | 4.3774% | 1,442 |
| Noninterest income to average assets | 0.1752% | 6,407 |
| Noninterest expense to average assets | 3.7418% | 1,459 |
| Loan and lease loss provision to assets | 0.5289% | 1,847 |
| Net operating income to assets | -0.1620% | 6,432 |
| Return on assets (ROA) | -0.1620% | 6,473 |
| Pretax return on assets | -0.2578% | 6,502 |
| Return on Equity (ROE) | -1.0208% | 6,404 |
| Retained earnings to average equity (ytd only) | -1.0208% | 6,054 |
| Net charge-offs to loans | -0.0889% | 7,137 |
| Credit loss provision to net charge-offs | -842.1053% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2455% | 1,026 |
| Assets per employee ($millions) | 2.8212% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1635% | 369 |
| Loan loss allowance to noncurrent loans | 60.1506% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 6.3515% | 853 |
| Noncurrent loans to loans | 6.9218% | 756 |
| Net loans and leases to total assets | 68.2628% | 2,567 |
| Net loans and leases to deposits | 82.2046% | 2,423 |
| Net loans and leases to core deposits | 86.3171% | 2,861 |
| Total domestic deposits to total assets | 83.0402% | 4,735 |
| Equity capital to assets | 16.2897% | 575 |
| Core capital (leverage) ratio | 10.5734% | 2,644 |
| Tier 1 risk-based capital ratio | 15.0141% | 3,489 |
| Total risk-based capital ratio | 16.3013% | 3,434 |
| Memoranda: | ||
| Average total assets | $60,505,330 | 6,123 |
| Average earning assets | $53,044,670 | 6,182 |
| Average equity | $9,600,330 | 5,154 |
| Average total loans | $42,732,670 | 5,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 1,575 |
| Cost of funding earning assets | 1.1028% | 3,497 |
| Net interest margin | 4.2918% | 1,583 |
| Noninterest income to average assets | 0.3206% | 5,355 |
| Noninterest expense to average assets | 3.9257% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1178% | 6,045 |
| Return on assets (ROA) | 0.1178% | 6,102 |
| Pretax return on assets | 0.1636% | 6,023 |
| Return on Equity (ROE) | 0.7520% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.7520% | 5,526 |
| Net charge-offs to loans | -0.1023% | 7,095 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 921 |
| Assets per employee ($millions) | 2.8970% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7431% | 510 |
| Loan loss allowance to noncurrent loans | 54.4925% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 6.1789% | 919 |
| Noncurrent loans to loans | 6.8689% | 826 |
| Net loans and leases to total assets | 67.1691% | 2,719 |
| Net loans and leases to deposits | 80.3709% | 2,644 |
| Net loans and leases to core deposits | 84.2519% | 3,135 |
| Total domestic deposits to total assets | 83.5739% | 4,671 |
| Equity capital to assets | 15.7916% | 607 |
| Core capital (leverage) ratio | 10.4533% | 2,660 |
| Tier 1 risk-based capital ratio | 14.9897% | 3,430 |
| Total risk-based capital ratio | 16.2707% | 3,372 |
| Memoranda: | ||
| Average total assets | $61,135,000 | 6,151 |
| Average earning assets | $53,683,500 | 6,208 |
| Average equity | $9,575,000 | 5,151 |
| Average total loans | $42,999,000 | 5,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 1,148 |
| Cost of funding earning assets | 1.3580% | 3,520 |
| Net interest margin | 4.4925% | 1,242 |
| Noninterest income to average assets | 0.5469% | 3,839 |
| Noninterest expense to average assets | 2.8149% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1115% | 1,671 |
| Return on assets (ROA) | 1.1115% | 1,752 |
| Pretax return on assets | 1.6857% | 972 |
| Return on Equity (ROE) | 7.2305% | 3,012 |
| Retained earnings to average equity (ytd only) | 0.4290% | 5,359 |
| Net charge-offs to loans | 0.2205% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.0316% | 1,643 |
| Efficiency ratio | 62.5447% | 5,617 |
| Assets per employee ($millions) | 3.0717% | 5,942 |
| Cash dividends to net income (ytd only)* | 94.0666% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6238% | 541 |
| Loan loss allowance to noncurrent loans | 473.8739% | 673 |
| Noncurrent assets plus other real estate owned to assets | 1.9615% | 3,394 |
| Noncurrent loans to loans | 0.7647% | 5,519 |
| Net loans and leases to total assets | 68.3140% | 2,904 |
| Net loans and leases to deposits | 81.5847% | 2,889 |
| Net loans and leases to core deposits | 85.4763% | 3,399 |
| Total domestic deposits to total assets | 83.7338% | 4,487 |
| Equity capital to assets | 15.5337% | 672 |
| Core capital (leverage) ratio | 10.5044% | 2,551 |
| Tier 1 risk-based capital ratio | 14.6503% | 3,451 |
| Total risk-based capital ratio | 15.9300% | 3,398 |
| Memoranda: | ||
| Average total assets | $62,168,800 | 6,121 |
| Average earning assets | $54,713,200 | 6,186 |
| Average equity | $9,556,800 | 5,247 |
| Average total loans | $43,085,400 | 5,783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 1,378 |
| Cost of funding earning assets | 1.4073% | 3,543 |
| Net interest margin | 4.3992% | 1,529 |
| Noninterest income to average assets | 0.5431% | 3,843 |
| Noninterest expense to average assets | 2.7841% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0863% | 1,938 |
| Return on assets (ROA) | 1.0863% | 2,048 |
| Pretax return on assets | 1.6294% | 1,271 |
| Return on Equity (ROE) | 7.0848% | 3,305 |
| Retained earnings to average equity (ytd only) | -0.5858% | 5,937 |
| Net charge-offs to loans | 0.3599% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6.5691% | 2,496 |
| Efficiency ratio | 63.0814% | 5,421 |
| Assets per employee ($millions) | 2.7751% | 6,636 |
| Cash dividends to net income (ytd only)* | 108.2679% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4994% | 539 |
| Loan loss allowance to noncurrent loans | 467.5676% | 649 |
| Noncurrent assets plus other real estate owned to assets | 1.9655% | 3,514 |
| Noncurrent loans to loans | 0.7484% | 5,708 |
| Net loans and leases to total assets | 70.3258% | 2,659 |
| Net loans and leases to deposits | 84.4349% | 2,636 |
| Net loans and leases to core deposits | 88.5059% | 3,312 |
| Total domestic deposits to total assets | 83.2899% | 4,462 |
| Equity capital to assets | 15.7617% | 719 |
| Core capital (leverage) ratio | 10.2502% | 2,989 |
| Tier 1 risk-based capital ratio | 14.0851% | 3,772 |
| Total risk-based capital ratio | 15.3630% | 3,732 |
| Memoranda: | ||
| Average total assets | $62,352,500 | 6,178 |
| Average earning assets | $54,856,500 | 6,246 |
| Average equity | $9,560,250 | 5,327 |
| Average total loans | $42,970,250 | 5,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 1,946 |
| Cost of funding earning assets | 1.4285% | 3,683 |
| Net interest margin | 4.2205% | 2,090 |
| Noninterest income to average assets | 0.5638% | 3,597 |
| Noninterest expense to average assets | 2.7363% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0385% | 2,052 |
| Return on assets (ROA) | 1.0385% | 2,130 |
| Pretax return on assets | 1.5545% | 1,420 |
| Return on Equity (ROE) | 6.8349% | 3,380 |
| Retained earnings to average equity (ytd only) | -4.6963% | 6,517 |
| Net charge-offs to loans | 0.5746% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,092 |
| Efficiency ratio | 63.7713% | 5,376 |
| Assets per employee ($millions) | 2.8557% | 6,441 |
| Cash dividends to net income (ytd only)* | 168.7117% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5616% | 524 |
| Loan loss allowance to noncurrent loans | 555.9140% | 584 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 3,682 |
| Noncurrent loans to loans | 0.6407% | 5,971 |
| Net loans and leases to total assets | 66.8465% | 3,651 |
| Net loans and leases to deposits | 79.6182% | 3,665 |
| Net loans and leases to core deposits | 84.1640% | 4,119 |
| Total domestic deposits to total assets | 83.9589% | 4,123 |
| Equity capital to assets | 15.0766% | 861 |
| Core capital (leverage) ratio | 9.7994% | 3,405 |
| Tier 1 risk-based capital ratio | 13.7577% | 3,902 |
| Total risk-based capital ratio | 15.0352% | 3,852 |
| Memoranda: | ||
| Average total assets | $62,785,670 | 6,206 |
| Average earning assets | $55,443,330 | 6,264 |
| Average equity | $9,539,330 | 5,331 |
| Average total loans | $42,462,670 | 5,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 2,540 |
| Cost of funding earning assets | 1.4619% | 3,795 |
| Net interest margin | 4.0474% | 2,662 |
| Noninterest income to average assets | 0.6628% | 2,865 |
| Noninterest expense to average assets | 2.9698% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8540% | 2,738 |
| Return on assets (ROA) | 0.8540% | 2,828 |
| Pretax return on assets | 1.2746% | 2,123 |
| Return on Equity (ROE) | 5.5991% | 4,065 |
| Retained earnings to average equity (ytd only) | -6.9362% | 6,730 |
| Net charge-offs to loans | 0.4008% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.7619% | 2,559 |
| Efficiency ratio | 69.9700% | 4,305 |
| Assets per employee ($millions) | 2.8276% | 6,578 |
| Cash dividends to net income (ytd only)* | 223.8806% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9409% | 398 |
| Loan loss allowance to noncurrent loans | 201.6069% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 2.0560% | 3,438 |
| Noncurrent loans to loans | 1.9548% | 3,850 |
| Net loans and leases to total assets | 63.9076% | 4,350 |
| Net loans and leases to deposits | 76.3213% | 4,354 |
| Net loans and leases to core deposits | 80.7306% | 4,671 |
| Total domestic deposits to total assets | 83.7349% | 4,278 |
| Equity capital to assets | 15.2668% | 816 |
| Core capital (leverage) ratio | 9.8651% | 3,320 |
| Tier 1 risk-based capital ratio | 14.3584% | 3,462 |
| Total risk-based capital ratio | 15.6420% | 3,406 |
| Memoranda: | ||
| Average total assets | $62,765,500 | 6,277 |
| Average earning assets | $55,542,500 | 6,342 |
| Average equity | $9,573,000 | 5,353 |
| Average total loans | $41,920,000 | 6,030 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 3,769 |
| Cost of funding earning assets | 1.6105% | 4,983 |
| Net interest margin | 3.9568% | 3,046 |
| Noninterest income to average assets | 0.5995% | 3,637 |
| Noninterest expense to average assets | 2.9374% | 4,399 |
| Loan and lease loss provision to assets | -0.4623% | 8,008 |
| Net operating income to assets | 1.0865% | 1,547 |
| Return on assets (ROA) | 1.0865% | 1,594 |
| Pretax return on assets | 1.6305% | 901 |
| Return on Equity (ROE) | 7.2489% | 2,693 |
| Retained earnings to average equity (ytd only) | -18.4564% | 7,050 |
| Net charge-offs to loans | 0.2233% | 5,230 |
| Credit loss provision to net charge-offs | -303.0303% | 7,409 |
| Earnings coverage of net charge-offs (x) | 7.6566% | 2,104 |
| Efficiency ratio | 71.5465% | 4,343 |
| Assets per employee ($millions) | 2.7532% | 6,748 |
| Cash dividends to net income (ytd only)* | 354.6099% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9407% | 376 |
| Loan loss allowance to noncurrent loans | 212.3096% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 3,390 |
| Noncurrent loans to loans | 1.8561% | 3,855 |
| Net loans and leases to total assets | 64.4005% | 4,513 |
| Net loans and leases to deposits | 76.9511% | 4,579 |
| Net loans and leases to core deposits | 95.2293% | 4,543 |
| Total domestic deposits to total assets | 83.6902% | 4,181 |
| Equity capital to assets | 15.2375% | 856 |
| Core capital (leverage) ratio | 10.0928% | 3,003 |
| Tier 1 risk-based capital ratio | 14.6009% | 3,153 |
| Total risk-based capital ratio | 15.8849% | 3,093 |
| Memoranda: | ||
| Average total assets | $64,888,200 | 6,167 |
| Average earning assets | $57,496,400 | 6,234 |
| Average equity | $9,725,600 | 5,372 |
| Average total loans | $44,339,400 | 5,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5740% | 4,011 |
| Cost of funding earning assets | 1.6360% | 5,228 |
| Net interest margin | 3.9380% | 3,088 |
| Noninterest income to average assets | 0.5882% | 3,789 |
| Noninterest expense to average assets | 2.9146% | 4,390 |
| Loan and lease loss provision to assets | -0.2042% | 8,081 |
| Net operating income to assets | 0.9130% | 2,377 |
| Return on assets (ROA) | 0.9130% | 2,443 |
| Pretax return on assets | 1.3685% | 1,775 |
| Return on Equity (ROE) | 6.1160% | 3,484 |
| Retained earnings to average equity (ytd only) | -28.0896% | 7,551 |
| Net charge-offs to loans | 0.2351% | 4,585 |
| Credit loss provision to net charge-offs | -126.5823% | 7,214 |
| Earnings coverage of net charge-offs (x) | 7.2152% | 2,447 |
| Efficiency ratio | 71.4572% | 4,336 |
| Assets per employee ($millions) | 3.0390% | 6,065 |
| Cash dividends to net income (ytd only)* | 559.2795% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2423% | 250 |
| Loan loss allowance to noncurrent loans | 175.6030% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 2.4445% | 2,817 |
| Noncurrent loans to loans | 2.4158% | 3,119 |
| Net loans and leases to total assets | 66.9545% | 4,198 |
| Net loans and leases to deposits | 79.7287% | 4,436 |
| Net loans and leases to core deposits | 97.8788% | 4,618 |
| Total domestic deposits to total assets | 83.9779% | 3,734 |
| Equity capital to assets | 14.7592% | 1,073 |
| Core capital (leverage) ratio | 9.4860% | 3,927 |
| Tier 1 risk-based capital ratio | 13.3287% | 3,966 |
| Total risk-based capital ratio | 14.6148% | 3,893 |
| Memoranda: | ||
| Average total assets | $65,279,250 | 6,199 |
| Average earning assets | $57,862,000 | 6,261 |
| Average equity | $9,744,750 | 5,417 |
| Average total loans | $44,810,750 | 5,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5595% | 4,289 |
| Cost of funding earning assets | 1.6535% | 5,495 |
| Net interest margin | 3.9060% | 3,088 |
| Noninterest income to average assets | 0.5139% | 4,317 |
| Noninterest expense to average assets | 2.9620% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6842% | 3,321 |
| Return on assets (ROA) | 0.6842% | 3,437 |
| Pretax return on assets | 1.0218% | 2,921 |
| Return on Equity (ROE) | 4.5670% | 4,274 |
| Retained earnings to average equity (ytd only) | -46.1773% | 7,885 |
| Net charge-offs to loans | 0.4145% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.6129% | 3,374 |
| Efficiency ratio | 74.3511% | 3,981 |
| Assets per employee ($millions) | 3.1192% | 5,811 |
| Cash dividends to net income (ytd only)* | 1,111.1111% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4726% | 176 |
| Loan loss allowance to noncurrent loans | 142.9913% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 2.5358% | 2,538 |
| Noncurrent loans to loans | 3.1279% | 2,282 |
| Net loans and leases to total assets | 64.5283% | 4,871 |
| Net loans and leases to deposits | 76.1078% | 5,160 |
| Net loans and leases to core deposits | 93.0726% | 5,231 |
| Total domestic deposits to total assets | 84.7854% | 3,360 |
| Equity capital to assets | 13.8650% | 1,362 |
| Core capital (leverage) ratio | 8.9978% | 4,635 |
| Tier 1 risk-based capital ratio | 12.6904% | 4,365 |
| Total risk-based capital ratio | 13.9797% | 4,252 |
| Memoranda: | ||
| Average total assets | $65,766,330 | 6,237 |
| Average earning assets | $58,422,330 | 6,292 |
| Average equity | $9,853,330 | 5,405 |
| Average total loans | $44,873,670 | 5,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7442% | 3,565 |
| Cost of funding earning assets | 1.6674% | 5,749 |
| Net interest margin | 4.0767% | 2,373 |
| Noninterest income to average assets | 0.6131% | 3,452 |
| Noninterest expense to average assets | 2.8590% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9287% | 2,585 |
| Return on assets (ROA) | 0.9287% | 2,719 |
| Pretax return on assets | 1.3900% | 1,998 |
| Return on Equity (ROE) | 5.9771% | 4,049 |
| Retained earnings to average equity (ytd only) | -91.6886% | 8,135 |
| Net charge-offs to loans | -0.1416% | 7,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2857% | 5,085 |
| Assets per employee ($millions) | 2.9805% | 6,210 |
| Cash dividends to net income (ytd only)* | 1,633.9869% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7024% | 128 |
| Loan loss allowance to noncurrent loans | 164.9289% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1793% | 2,626 |
| Noncurrent loans to loans | 2.8512% | 2,293 |
| Net loans and leases to total assets | 64.5331% | 4,893 |
| Net loans and leases to deposits | 75.9668% | 5,228 |
| Net loans and leases to core deposits | 92.8022% | 5,278 |
| Total domestic deposits to total assets | 84.9491% | 3,233 |
| Equity capital to assets | 13.8186% | 1,418 |
| Core capital (leverage) ratio | 8.7071% | 5,137 |
| Tier 1 risk-based capital ratio | 12.5553% | 4,506 |
| Total risk-based capital ratio | 13.8475% | 4,397 |
| Memoranda: | ||
| Average total assets | $65,898,000 | 6,253 |
| Average earning assets | $58,772,500 | 6,312 |
| Average equity | $10,239,000 | 5,314 |
| Average total loans | $45,187,000 | 6,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6294% | 2,348 |
| Cost of funding earning assets | 2.2791% | 5,249 |
| Net interest margin | 4.3503% | 1,827 |
| Noninterest income to average assets | 0.6277% | 3,649 |
| Noninterest expense to average assets | 2.3031% | 6,692 |
| Loan and lease loss provision to assets | -0.3608% | 8,288 |
| Net operating income to assets | 1.6927% | 688 |
| Return on assets (ROA) | 1.6927% | 659 |
| Pretax return on assets | 2.5499% | 176 |
| Return on Equity (ROE) | 10.5153% | 2,082 |
| Retained earnings to average equity (ytd only) | 2.2680% | 3,798 |
| Net charge-offs to loans | -0.0939% | 8,082 |
| Credit loss provision to net charge-offs | 595.2381% | 729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2689% | 7,567 |
| Assets per employee ($millions) | 2.7594% | 6,657 |
| Cash dividends to net income (ytd only)* | 78.4314% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5072% | 133 |
| Loan loss allowance to noncurrent loans | 215.3846% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6308% | 2,987 |
| Noncurrent loans to loans | 2.0926% | 2,638 |
| Net loans and leases to total assets | 66.2877% | 4,792 |
| Net loans and leases to deposits | 81.4755% | 4,799 |
| Net loans and leases to core deposits | 94.8245% | 5,377 |
| Total domestic deposits to total assets | 81.3590% | 4,480 |
| Equity capital to assets | 17.2397% | 754 |
| Core capital (leverage) ratio | 12.5885% | 1,712 |
| Tier 1 risk-based capital ratio | 17.3288% | 2,222 |
| Total risk-based capital ratio | 18.6192% | 2,163 |
| Memoranda: | ||
| Average total assets | $69,296,800 | 6,058 |
| Average earning assets | $61,559,400 | 6,107 |
| Average equity | $11,155,200 | 5,082 |
| Average total loans | $44,717,200 | 5,941 |