Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 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 | 3.8975% | 5,581 |
| Cost of funding earning assets | 1.0498% | 1,123 |
| Net interest margin | 2.8477% | 6,315 |
| Noninterest income to average assets | 0.3485% | 4,975 |
| Noninterest expense to average assets | 2.6767% | 4,486 |
| Loan and lease loss provision to assets | 0.1111% | 4,243 |
| Net operating income to assets | 0.1607% | 5,863 |
| Return on assets (ROA) | 0.2701% | 5,786 |
| Pretax return on assets | 0.2897% | 5,838 |
| Return on Equity (ROE) | 2.5951% | 5,714 |
| Retained earnings to average equity (ytd only) | -34.4272% | 6,961 |
| Net charge-offs to loans | 0.3149% | 3,064 |
| Credit loss provision to net charge-offs | 108.5106% | 2,711 |
| Earnings coverage of net charge-offs (x) | 2.7660% | 4,042 |
| Efficiency ratio | 90.4341% | 1,028 |
| Assets per employee ($millions) | 6.7423% | 876 |
| Cash dividends to net income (ytd only)* | 1,426.6129% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,775 |
| Loan loss allowance to noncurrent loans | 54.3860% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 4,951 |
| Noncurrent loans to loans | 1.9241% | 2,777 |
| Net loans and leases to total assets | 31.0556% | 6,665 |
| Net loans and leases to deposits | 33.3903% | 6,746 |
| Net loans and leases to core deposits | 33.6039% | 6,778 |
| Total domestic deposits to total assets | 93.0079% | 130 |
| Equity capital to assets | 6.6552% | 6,825 |
| Core capital (leverage) ratio | 5.4986% | 6,892 |
| Tier 1 risk-based capital ratio | 11.1459% | 6,291 |
| Total risk-based capital ratio | 11.8293% | 6,494 |
| Memoranda: | ||
| Average total assets | $45,915,000 | 6,330 |
| Average earning assets | $42,104,000 | 6,307 |
| Average equity | $4,778,200 | 6,360 |
| Average total loans | $14,924,600 | 6,661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 6,068 |
| Cost of funding earning assets | 1.0639% | 1,220 |
| Net interest margin | 2.7161% | 6,622 |
| Noninterest income to average assets | 0.5878% | 3,362 |
| Noninterest expense to average assets | 2.6377% | 4,611 |
| Loan and lease loss provision to assets | 0.0292% | 5,413 |
| Net operating income to assets | 0.4378% | 5,087 |
| Return on assets (ROA) | 0.5878% | 4,716 |
| Pretax return on assets | 0.6170% | 5,118 |
| Return on Equity (ROE) | 5.1661% | 4,739 |
| Retained earnings to average equity (ytd only) | 5.1661% | 3,243 |
| Net charge-offs to loans | -0.3745% | 7,076 |
| Credit loss provision to net charge-offs | -23.8095% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3779% | 1,546 |
| Assets per employee ($millions) | 6.6097% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,647 |
| Loan loss allowance to noncurrent loans | 35.1211% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.2543% | 2,366 |
| Noncurrent loans to loans | 3.8046% | 1,387 |
| Net loans and leases to total assets | 32.3960% | 6,733 |
| Net loans and leases to deposits | 37.2555% | 6,777 |
| Net loans and leases to core deposits | 37.5429% | 6,817 |
| Total domestic deposits to total assets | 86.9564% | 2,695 |
| Equity capital to assets | 11.9910% | 2,265 |
| Core capital (leverage) ratio | 10.4270% | 3,003 |
| Tier 1 risk-based capital ratio | 20.3854% | 1,660 |
| Total risk-based capital ratio | 21.2470% | 1,733 |
| Memoranda: | ||
| Average total assets | $45,594,750 | 6,407 |
| Average earning assets | $42,609,500 | 6,361 |
| Average equity | $5,187,500 | 6,312 |
| Average total loans | $14,952,750 | 6,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 6,192 |
| Cost of funding earning assets | 1.0996% | 1,225 |
| Net interest margin | 2.6806% | 6,728 |
| Noninterest income to average assets | 0.5290% | 3,733 |
| Noninterest expense to average assets | 2.5920% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4212% | 5,144 |
| Return on assets (ROA) | 0.5510% | 4,860 |
| Pretax return on assets | 0.5775% | 5,217 |
| Return on Equity (ROE) | 4.9336% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.9336% | 3,315 |
| Net charge-offs to loans | -0.5379% | 7,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4651% | 1,483 |
| Assets per employee ($millions) | 5.1093% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,879 |
| Loan loss allowance to noncurrent loans | 37.0656% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 2.7575% | 1,999 |
| Noncurrent loans to loans | 3.5109% | 1,631 |
| Net loans and leases to total assets | 31.6675% | 6,823 |
| Net loans and leases to deposits | 35.9724% | 6,875 |
| Net loans and leases to core deposits | 36.2482% | 6,909 |
| Total domestic deposits to total assets | 88.0328% | 2,121 |
| Equity capital to assets | 11.5605% | 2,532 |
| Core capital (leverage) ratio | 10.2933% | 3,057 |
| Tier 1 risk-based capital ratio | 19.9401% | 1,713 |
| Total risk-based capital ratio | 20.7500% | 1,815 |
| Memoranda: | ||
| Average total assets | $45,370,330 | 6,456 |
| Average earning assets | $42,379,330 | 6,401 |
| Average equity | $5,067,330 | 6,373 |
| Average total loans | $14,873,000 | 6,805 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 6,338 |
| Cost of funding earning assets | 1.1121% | 1,337 |
| Net interest margin | 2.6425% | 6,842 |
| Noninterest income to average assets | 0.5681% | 3,443 |
| Noninterest expense to average assets | 2.5919% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4377% | 5,097 |
| Return on assets (ROA) | 0.7101% | 4,056 |
| Pretax return on assets | 0.7190% | 4,732 |
| Return on Equity (ROE) | 6.4738% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.4738% | 2,707 |
| Net charge-offs to loans | -2.1698% | 7,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3801% | 1,541 |
| Assets per employee ($millions) | 5.0281% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,831 |
| Loan loss allowance to noncurrent loans | 28.2582% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9302% | 1,973 |
| Noncurrent loans to loans | 5.5710% | 953 |
| Net loans and leases to total assets | 32.0531% | 6,830 |
| Net loans and leases to deposits | 36.1685% | 6,884 |
| Net loans and leases to core deposits | 36.7979% | 6,917 |
| Total domestic deposits to total assets | 88.6217% | 1,943 |
| Equity capital to assets | 11.0225% | 2,881 |
| Core capital (leverage) ratio | 10.4211% | 2,846 |
| Tier 1 risk-based capital ratio | 19.7870% | 1,763 |
| Total risk-based capital ratio | 20.7675% | 1,806 |
| Memoranda: | ||
| Average total assets | $45,063,500 | 6,506 |
| Average earning assets | $42,081,500 | 6,452 |
| Average equity | $4,943,000 | 6,441 |
| Average total loans | $14,932,500 | 6,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 4,797 |
| Cost of funding earning assets | 1.2406% | 1,780 |
| Net interest margin | 3.3272% | 5,735 |
| Noninterest income to average assets | 0.3438% | 5,063 |
| Noninterest expense to average assets | 3.1238% | 3,118 |
| Loan and lease loss provision to assets | -0.0787% | 7,264 |
| Net operating income to assets | 0.3147% | 5,201 |
| Return on assets (ROA) | 0.3169% | 5,348 |
| Pretax return on assets | 0.3326% | 5,465 |
| Return on Equity (ROE) | 3.1238% | 5,235 |
| Retained earnings to average equity (ytd only) | 1.2406% | 5,271 |
| Net charge-offs to loans | 0.1109% | 5,266 |
| Credit loss provision to net charge-offs | -205.8824% | 6,752 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,489 |
| Efficiency ratio | 92.5433% | 1,012 |
| Assets per employee ($millions) | 4.9860% | 2,217 |
| Cash dividends to net income (ytd only)* | 60.2837% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,228 |
| Loan loss allowance to noncurrent loans | 57.1970% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7137% | 3,381 |
| Noncurrent loans to loans | 1.7451% | 3,539 |
| Net loans and leases to total assets | 33.3757% | 6,893 |
| Net loans and leases to deposits | 37.6429% | 6,957 |
| Net loans and leases to core deposits | 38.3034% | 6,995 |
| Total domestic deposits to total assets | 88.6638% | 1,742 |
| Equity capital to assets | 10.9150% | 3,064 |
| Core capital (leverage) ratio | 10.1515% | 3,165 |
| Tier 1 risk-based capital ratio | 19.1918% | 1,845 |
| Total risk-based capital ratio | 19.8215% | 1,990 |
| Memoranda: | ||
| Average total assets | $44,497,600 | 6,517 |
| Average earning assets | $40,545,200 | 6,509 |
| Average equity | $4,513,800 | 6,587 |
| Average total loans | $15,329,400 | 6,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 4,259 |
| Cost of funding earning assets | 1.2698% | 1,865 |
| Net interest margin | 3.4744% | 5,299 |
| Noninterest income to average assets | 0.3543% | 5,024 |
| Noninterest expense to average assets | 3.3810% | 2,245 |
| Loan and lease loss provision to assets | -0.1051% | 7,359 |
| Net operating income to assets | 0.2191% | 5,649 |
| Return on assets (ROA) | 0.2162% | 5,788 |
| Pretax return on assets | 0.2222% | 5,856 |
| Return on Equity (ROE) | 2.1731% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.1731% | 5,038 |
| Net charge-offs to loans | -0.0174% | 6,877 |
| Credit loss provision to net charge-offs | 1,750.0000% | 156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5695% | 790 |
| Assets per employee ($millions) | 4.5351% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,869 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 3,402 |
| Noncurrent loans to loans | 2.4303% | 2,849 |
| Net loans and leases to total assets | 33.5582% | 6,974 |
| Net loans and leases to deposits | 37.8940% | 7,038 |
| Net loans and leases to core deposits | 38.5486% | 7,074 |
| Total domestic deposits to total assets | 88.5581% | 1,722 |
| Equity capital to assets | 11.0824% | 3,064 |
| Core capital (leverage) ratio | 10.2415% | 3,139 |
| Tier 1 risk-based capital ratio | 18.8731% | 1,975 |
| Total risk-based capital ratio | 19.5677% | 2,107 |
| Memoranda: | ||
| Average total assets | $44,403,500 | 6,582 |
| Average earning assets | $40,216,500 | 6,575 |
| Average equity | $4,417,750 | 6,672 |
| Average total loans | $15,379,750 | 6,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 3,693 |
| Cost of funding earning assets | 1.2951% | 1,967 |
| Net interest margin | 3.5890% | 4,758 |
| Noninterest income to average assets | 0.2722% | 5,694 |
| Noninterest expense to average assets | 3.6609% | 1,602 |
| Loan and lease loss provision to assets | -0.1588% | 7,442 |
| Net operating income to assets | 0.0114% | 6,205 |
| Return on assets (ROA) | 0.0227% | 6,265 |
| Pretax return on assets | 0.0272% | 6,230 |
| Return on Equity (ROE) | 0.2372% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.2372% | 5,741 |
| Net charge-offs to loans | -0.0260% | 6,888 |
| Credit loss provision to net charge-offs | 1,750.0000% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1290% | 613 |
| Assets per employee ($millions) | 4.0738% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,830 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 3,437 |
| Noncurrent loans to loans | 2.4837% | 2,902 |
| Net loans and leases to total assets | 33.2232% | 7,071 |
| Net loans and leases to deposits | 37.2172% | 7,144 |
| Net loans and leases to core deposits | 38.1079% | 7,165 |
| Total domestic deposits to total assets | 89.2685% | 1,375 |
| Equity capital to assets | 10.3008% | 3,751 |
| Core capital (leverage) ratio | 10.2180% | 3,012 |
| Tier 1 risk-based capital ratio | 19.2368% | 1,772 |
| Total risk-based capital ratio | 19.9552% | 1,900 |
| Memoranda: | ||
| Average total assets | $44,087,670 | 6,646 |
| Average earning assets | $39,844,000 | 6,645 |
| Average equity | $4,215,000 | 6,774 |
| Average total loans | $15,376,670 | 7,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 2,999 |
| Cost of funding earning assets | 1.3678% | 1,785 |
| Net interest margin | 3.6543% | 4,306 |
| Noninterest income to average assets | -0.0640% | 7,367 |
| Noninterest expense to average assets | 3.5677% | 1,831 |
| Loan and lease loss provision to assets | 1.0520% | 710 |
| Net operating income to assets | -1.4179% | 7,169 |
| Return on assets (ROA) | -1.4179% | 7,172 |
| Pretax return on assets | -1.4088% | 7,129 |
| Return on Equity (ROE) | -15.4440% | 7,154 |
| Retained earnings to average equity (ytd only) | -15.4440% | 7,057 |
| Net charge-offs to loans | 1.6220% | 827 |
| Credit loss provision to net charge-offs | 182.5397% | 1,605 |
| Earnings coverage of net charge-offs (x) | -0.6190% | 4,831 |
| Efficiency ratio | 111.1111% | 478 |
| Assets per employee ($millions) | 4.3319% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 3,290 |
| Loan loss allowance to noncurrent loans | 53.1250% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 3.4511% | 1,974 |
| Noncurrent loans to loans | 3.2267% | 2,327 |
| Net loans and leases to total assets | 33.7519% | 7,100 |
| Net loans and leases to deposits | 37.3204% | 7,188 |
| Net loans and leases to core deposits | 38.0112% | 7,220 |
| Total domestic deposits to total assets | 90.4384% | 875 |
| Equity capital to assets | 9.2615% | 4,797 |
| Core capital (leverage) ratio | 9.9120% | 3,255 |
| Tier 1 risk-based capital ratio | 18.1147% | 2,083 |
| Total risk-based capital ratio | 19.1667% | 2,112 |
| Memoranda: | ||
| Average total assets | $43,725,500 | 6,704 |
| Average earning assets | $39,187,000 | 6,713 |
| Average equity | $4,014,500 | 6,882 |
| Average total loans | $15,536,000 | 7,058 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 2,997 |
| Cost of funding earning assets | 1.5495% | 2,350 |
| Net interest margin | 3.7761% | 4,050 |
| Noninterest income to average assets | 0.3443% | 5,334 |
| Noninterest expense to average assets | 3.3100% | 2,713 |
| Loan and lease loss provision to assets | 0.7426% | 2,210 |
| Net operating income to assets | -0.3472% | 6,264 |
| Return on assets (ROA) | -0.2228% | 6,190 |
| Pretax return on assets | -0.2295% | 6,109 |
| Return on Equity (ROE) | -2.1304% | 6,186 |
| Retained earnings to average equity (ytd only) | -2.1304% | 5,984 |
| Net charge-offs to loans | 2.3447% | 820 |
| Credit loss provision to net charge-offs | 78.0142% | 5,633 |
| Earnings coverage of net charge-offs (x) | 0.4043% | 5,702 |
| Efficiency ratio | 89.5859% | 1,353 |
| Assets per employee ($millions) | 4.0120% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,236 |
| Loan loss allowance to noncurrent loans | 32.1203% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 3.9608% | 1,717 |
| Noncurrent loans to loans | 3.9022% | 1,878 |
| Net loans and leases to total assets | 36.2390% | 7,150 |
| Net loans and leases to deposits | 41.0973% | 7,219 |
| Net loans and leases to core deposits | 41.8632% | 7,263 |
| Total domestic deposits to total assets | 88.1786% | 2,135 |
| Equity capital to assets | 9.1022% | 4,989 |
| Core capital (leverage) ratio | 10.0373% | 3,050 |
| Tier 1 risk-based capital ratio | 17.6325% | 2,117 |
| Total risk-based capital ratio | 18.4198% | 2,245 |
| Memoranda: | ||
| Average total assets | $44,440,800 | 6,717 |
| Average earning assets | $39,432,000 | 6,737 |
| Average equity | $4,647,000 | 6,772 |
| Average total loans | $18,040,800 | 7,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 2,853 |
| Cost of funding earning assets | 1.5826% | 2,489 |
| Net interest margin | 3.8231% | 3,866 |
| Noninterest income to average assets | 0.3324% | 5,500 |
| Noninterest expense to average assets | 3.2735% | 2,662 |
| Loan and lease loss provision to assets | 0.9883% | 1,506 |
| Net operating income to assets | -0.5421% | 6,622 |
| Return on assets (ROA) | -0.3744% | 6,540 |
| Pretax return on assets | -0.3684% | 6,463 |
| Return on Equity (ROE) | -3.4688% | 6,534 |
| Retained earnings to average equity (ytd only) | -3.4688% | 6,402 |
| Net charge-offs to loans | 2.9474% | 539 |
| Credit loss provision to net charge-offs | 80.6846% | 5,109 |
| Earnings coverage of net charge-offs (x) | 0.3692% | 5,662 |
| Efficiency ratio | 87.8617% | 1,459 |
| Assets per employee ($millions) | 3.6610% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,345 |
| Loan loss allowance to noncurrent loans | 48.6486% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 4.2315% | 1,620 |
| Noncurrent loans to loans | 2.5279% | 3,092 |
| Net loans and leases to total assets | 39.4883% | 7,105 |
| Net loans and leases to deposits | 45.7417% | 7,182 |
| Net loans and leases to core deposits | 46.1089% | 7,267 |
| Total domestic deposits to total assets | 86.3289% | 2,896 |
| Equity capital to assets | 11.0148% | 2,947 |
| Core capital (leverage) ratio | 10.1653% | 3,078 |
| Tier 1 risk-based capital ratio | 17.0213% | 2,333 |
| Total risk-based capital ratio | 17.8347% | 2,476 |
| Memoranda: | ||
| Average total assets | $44,518,000 | 6,794 |
| Average earning assets | $39,513,250 | 6,814 |
| Average equity | $4,804,500 | 6,810 |
| Average total loans | $18,502,000 | 7,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 2,320 |
| Cost of funding earning assets | 1.5945% | 2,688 |
| Net interest margin | 3.9586% | 3,212 |
| Noninterest income to average assets | 0.2281% | 6,279 |
| Noninterest expense to average assets | 3.2071% | 2,875 |
| Loan and lease loss provision to assets | 1.2972% | 1,061 |
| Net operating income to assets | -0.7649% | 6,844 |
| Return on assets (ROA) | -0.7291% | 6,838 |
| Pretax return on assets | -0.7201% | 6,736 |
| Return on Equity (ROE) | -6.8016% | 6,823 |
| Retained earnings to average equity (ytd only) | -6.8016% | 6,723 |
| Net charge-offs to loans | 3.8906% | 342 |
| Credit loss provision to net charge-offs | 79.2350% | 4,728 |
| Earnings coverage of net charge-offs (x) | 0.3306% | 5,396 |
| Efficiency ratio | 85.5609% | 1,765 |
| Assets per employee ($millions) | 3.7094% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,072 |
| Loan loss allowance to noncurrent loans | 34.5912% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 4.5492% | 1,450 |
| Noncurrent loans to loans | 3.6784% | 2,127 |
| Net loans and leases to total assets | 38.3483% | 7,251 |
| Net loans and leases to deposits | 44.2905% | 7,311 |
| Net loans and leases to core deposits | 44.6403% | 7,389 |
| Total domestic deposits to total assets | 86.5837% | 2,772 |
| Equity capital to assets | 10.7811% | 3,092 |
| Core capital (leverage) ratio | 10.0387% | 3,124 |
| Tier 1 risk-based capital ratio | 17.4160% | 2,127 |
| Total risk-based capital ratio | 18.2708% | 2,220 |
| Memoranda: | ||
| Average total assets | $44,713,330 | 6,841 |
| Average earning assets | $39,761,330 | 6,851 |
| Average equity | $4,793,000 | 6,844 |
| Average total loans | $18,814,670 | 7,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 1,739 |
| Cost of funding earning assets | 1.5842% | 3,051 |
| Net interest margin | 4.1249% | 2,338 |
| Noninterest income to average assets | 0.2410% | 6,227 |
| Noninterest expense to average assets | 3.1330% | 3,125 |
| Loan and lease loss provision to assets | 0.2142% | 4,371 |
| Net operating income to assets | 0.5356% | 4,204 |
| Return on assets (ROA) | 0.5356% | 4,344 |
| Pretax return on assets | 0.5891% | 4,652 |
| Return on Equity (ROE) | 5.0104% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.0104% | 3,151 |
| Net charge-offs to loans | -0.1022% | 7,522 |
| Credit loss provision to net charge-offs | -480.0000% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5918% | 2,633 |
| Assets per employee ($millions) | 3.7155% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,267 |
| Loan loss allowance to noncurrent loans | 26.0835% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 5.4389% | 1,142 |
| Noncurrent loans to loans | 6.3111% | 1,005 |
| Net loans and leases to total assets | 43.5518% | 7,029 |
| Net loans and leases to deposits | 51.5901% | 7,062 |
| Net loans and leases to core deposits | 52.0046% | 7,201 |
| Total domestic deposits to total assets | 84.4189% | 3,937 |
| Equity capital to assets | 11.0573% | 2,711 |
| Core capital (leverage) ratio | 10.5193% | 2,605 |
| Tier 1 risk-based capital ratio | 16.7939% | 2,348 |
| Total risk-based capital ratio | 17.9538% | 2,329 |
| Memoranda: | ||
| Average total assets | $44,813,500 | 6,924 |
| Average earning assets | $40,146,000 | 6,924 |
| Average equity | $4,790,000 | 6,917 |
| Average total loans | $19,577,000 | 7,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8467% | 2,452 |
| Cost of funding earning assets | 2.0450% | 2,740 |
| Net interest margin | 3.8018% | 3,703 |
| Noninterest income to average assets | 0.4731% | 4,629 |
| Noninterest expense to average assets | 3.2152% | 3,330 |
| Loan and lease loss provision to assets | 0.8301% | 2,647 |
| Net operating income to assets | -0.2166% | 5,859 |
| Return on assets (ROA) | -0.2037% | 5,837 |
| Pretax return on assets | -0.2081% | 5,713 |
| Return on Equity (ROE) | -1.9507% | 5,852 |
| Retained earnings to average equity (ytd only) | -1.9507% | 5,506 |
| Net charge-offs to loans | 2.6578% | 844 |
| Credit loss provision to net charge-offs | 71.9165% | 6,451 |
| Earnings coverage of net charge-offs (x) | 0.5275% | 5,586 |
| Efficiency ratio | 84.0779% | 2,339 |
| Assets per employee ($millions) | 3.7534% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,599 |
| Loan loss allowance to noncurrent loans | 25.0423% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 5.7570% | 999 |
| Noncurrent loans to loans | 6.0893% | 1,025 |
| Net loans and leases to total assets | 42.4391% | 7,228 |
| Net loans and leases to deposits | 49.4515% | 7,285 |
| Net loans and leases to core deposits | 55.3673% | 7,426 |
| Total domestic deposits to total assets | 85.8196% | 3,101 |
| Equity capital to assets | 10.3239% | 3,379 |
| Core capital (leverage) ratio | 10.1123% | 2,987 |
| Tier 1 risk-based capital ratio | 16.7327% | 2,225 |
| Total risk-based capital ratio | 17.7990% | 2,244 |
| Memoranda: | ||
| Average total assets | $45,658,800 | 6,886 |
| Average earning assets | $40,244,600 | 6,932 |
| Average equity | $4,767,600 | 7,037 |
| Average total loans | $19,828,800 | 7,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 2,842 |
| Cost of funding earning assets | 2.1322% | 2,739 |
| Net interest margin | 3.6783% | 4,174 |
| Noninterest income to average assets | 0.5209% | 4,309 |
| Noninterest expense to average assets | 3.0936% | 3,666 |
| Loan and lease loss provision to assets | 1.0419% | 1,845 |
| Net operating income to assets | -0.4045% | 6,323 |
| Return on assets (ROA) | -0.3987% | 6,318 |
| Pretax return on assets | -0.3754% | 6,168 |
| Return on Equity (ROE) | -3.8078% | 6,322 |
| Retained earnings to average equity (ytd only) | -3.8078% | 6,079 |
| Net charge-offs to loans | 3.5250% | 421 |
| Credit loss provision to net charge-offs | 67.9317% | 6,021 |
| Earnings coverage of net charge-offs (x) | 0.4307% | 5,603 |
| Efficiency ratio | 82.4031% | 2,522 |
| Assets per employee ($millions) | 3.8570% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,700 |
| Loan loss allowance to noncurrent loans | 31.5367% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 5.6823% | 981 |
| Noncurrent loans to loans | 4.5921% | 1,508 |
| Net loans and leases to total assets | 40.4330% | 7,447 |
| Net loans and leases to deposits | 46.8506% | 7,544 |
| Net loans and leases to core deposits | 54.2938% | 7,588 |
| Total domestic deposits to total assets | 86.3020% | 2,541 |
| Equity capital to assets | 10.4053% | 3,608 |
| Core capital (leverage) ratio | 9.9820% | 3,307 |
| Tier 1 risk-based capital ratio | 16.7510% | 2,346 |
| Total risk-based capital ratio | 17.7524% | 2,379 |
| Memoranda: | ||
| Average total assets | $45,813,250 | 6,929 |
| Average earning assets | $40,271,000 | 6,989 |
| Average equity | $4,797,000 | 7,083 |
| Average total loans | $19,933,250 | 7,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7254% | 3,409 |
| Cost of funding earning assets | 2.1789% | 2,892 |
| Net interest margin | 3.5464% | 4,592 |
| Noninterest income to average assets | 0.6177% | 3,551 |
| Noninterest expense to average assets | 3.0313% | 3,962 |
| Loan and lease loss provision to assets | 0.3680% | 3,718 |
| Net operating income to assets | 0.2852% | 4,964 |
| Return on assets (ROA) | 0.2891% | 5,052 |
| Pretax return on assets | 0.3242% | 5,153 |
| Return on Equity (ROE) | 2.7554% | 4,995 |
| Retained earnings to average equity (ytd only) | 2.7554% | 3,796 |
| Net charge-offs to loans | 1.0865% | 1,673 |
| Credit loss provision to net charge-offs | 76.3636% | 5,294 |
| Earnings coverage of net charge-offs (x) | 1.4273% | 4,460 |
| Efficiency ratio | 81.5077% | 2,795 |
| Assets per employee ($millions) | 3.8960% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 1,462 |
| Loan loss allowance to noncurrent loans | 25.8364% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 6.3099% | 746 |
| Noncurrent loans to loans | 7.9759% | 557 |
| Net loans and leases to total assets | 42.3918% | 7,428 |
| Net loans and leases to deposits | 49.7877% | 7,494 |
| Net loans and leases to core deposits | 58.5166% | 7,503 |
| Total domestic deposits to total assets | 85.1450% | 3,192 |
| Equity capital to assets | 10.1108% | 3,805 |
| Core capital (leverage) ratio | 10.4189% | 2,887 |
| Tier 1 risk-based capital ratio | 16.9747% | 2,313 |
| Total risk-based capital ratio | 18.2258% | 2,262 |
| Memoranda: | ||
| Average total assets | $45,656,330 | 6,994 |
| Average earning assets | $39,927,670 | 7,054 |
| Average equity | $4,790,670 | 7,140 |
| Average total loans | $20,248,000 | 7,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 4,196 |
| Cost of funding earning assets | 2.2385% | 2,969 |
| Net interest margin | 3.3886% | 5,176 |
| Noninterest income to average assets | 0.6473% | 3,214 |
| Noninterest expense to average assets | 3.0770% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4704% | 4,562 |
| Return on assets (ROA) | 0.4788% | 4,715 |
| Pretax return on assets | 0.5054% | 5,065 |
| Return on Equity (ROE) | 4.4790% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.4790% | 3,438 |
| Net charge-offs to loans | 1.2442% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 4,318 |
| Efficiency ratio | 86.1042% | 2,054 |
| Assets per employee ($millions) | 3.7882% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,027 |
| Loan loss allowance to noncurrent loans | 20.3429% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 6.3289% | 601 |
| Noncurrent loans to loans | 8.5241% | 397 |
| Net loans and leases to total assets | 44.3794% | 7,309 |
| Net loans and leases to deposits | 51.1758% | 7,453 |
| Net loans and leases to core deposits | 59.8599% | 7,462 |
| Total domestic deposits to total assets | 86.7196% | 2,353 |
| Equity capital to assets | 10.6362% | 3,341 |
| Core capital (leverage) ratio | 10.7442% | 2,702 |
| Tier 1 risk-based capital ratio | 17.3831% | 2,218 |
| Total risk-based capital ratio | 18.6346% | 2,163 |
| Memoranda: | ||
| Average total assets | $45,108,500 | 7,061 |
| Average earning assets | $38,954,000 | 7,130 |
| Average equity | $4,822,500 | 7,180 |
| Average total loans | $20,254,000 | 7,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2172% | 4,427 |
| Cost of funding earning assets | 2.8162% | 2,641 |
| Net interest margin | 3.4010% | 5,660 |
| Noninterest income to average assets | 0.6763% | 3,285 |
| Noninterest expense to average assets | 3.0479% | 3,903 |
| Loan and lease loss provision to assets | 0.2750% | 4,194 |
| Net operating income to assets | 0.3192% | 5,483 |
| Return on assets (ROA) | 0.3968% | 4,978 |
| Pretax return on assets | 0.4261% | 5,188 |
| Return on Equity (ROE) | 3.7543% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.1544% | 3,888 |
| Net charge-offs to loans | 0.5656% | 2,119 |
| Credit loss provision to net charge-offs | 111.9266% | 4,818 |
| Earnings coverage of net charge-offs (x) | 2.5138% | 4,816 |
| Efficiency ratio | 83.1488% | 2,159 |
| Assets per employee ($millions) | 3.4430% | 4,816 |
| Cash dividends to net income (ytd only)* | 42.6136% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 1,748 |
| Loan loss allowance to noncurrent loans | 15.4898% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 7.1427% | 356 |
| Noncurrent loans to loans | 11.3425% | 155 |
| Net loans and leases to total assets | 43.8504% | 7,483 |
| Net loans and leases to deposits | 50.7053% | 7,595 |
| Net loans and leases to core deposits | 58.8639% | 7,636 |
| Total domestic deposits to total assets | 86.4809% | 2,177 |
| Equity capital to assets | 10.7464% | 3,257 |
| Core capital (leverage) ratio | 10.8419% | 2,710 |
| Tier 1 risk-based capital ratio | 17.4576% | 2,190 |
| Total risk-based capital ratio | 18.7067% | 2,130 |
| Memoranda: | ||
| Average total assets | $44,358,400 | 7,013 |
| Average earning assets | $38,988,600 | 7,085 |
| Average equity | $4,688,000 | 7,259 |
| Average total loans | $19,271,400 | 7,381 |