Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 5,634 |
| Cost of funding earning assets | 0.5755% | 2,114 |
| Net interest margin | 2.8164% | 5,867 |
| Noninterest income to average assets | 0.2130% | 5,677 |
| Noninterest expense to average assets | 4.0898% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1910% | 6,551 |
| Return on assets (ROA) | -1.1910% | 6,548 |
| Pretax return on assets | -1.2158% | 6,536 |
| Return on Equity (ROE) | -9.2448% | 6,506 |
| Retained earnings to average equity (ytd only) | -9.2448% | 6,403 |
| Net charge-offs to loans | -0.0201% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.3022% | 63 |
| Assets per employee ($millions) | 8.1107% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1037% | 338 |
| Loan loss allowance to noncurrent loans | 1,371.2121% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 5,970 |
| Noncurrent loans to loans | 0.2263% | 5,322 |
| Net loans and leases to total assets | 29.0297% | 6,335 |
| Net loans and leases to deposits | 41.4683% | 6,091 |
| Net loans and leases to core deposits | 43.2508% | 6,104 |
| Total domestic deposits to total assets | 70.0045% | 6,352 |
| Equity capital to assets | 12.8524% | 1,452 |
| Core capital (leverage) ratio | 12.6453% | 1,314 |
| Tier 1 risk-based capital ratio | 28.3087% | 624 |
| Total risk-based capital ratio | 29.5677% | 610 |
| Memoranda: | ||
| Average total assets | $96,729,000 | 4,758 |
| Average earning assets | $91,391,670 | 4,692 |
| Average equity | $12,461,000 | 4,322 |
| Average total loans | $29,893,000 | 5,661 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 5,528 |
| Cost of funding earning assets | 0.5817% | 2,143 |
| Net interest margin | 2.8730% | 5,804 |
| Noninterest income to average assets | 0.1742% | 5,925 |
| Noninterest expense to average assets | 1.8957% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8835% | 2,725 |
| Return on assets (ROA) | 0.8835% | 2,794 |
| Pretax return on assets | 0.9624% | 3,471 |
| Return on Equity (ROE) | 6.8505% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.8505% | 2,115 |
| Net charge-offs to loans | -0.0132% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3280% | 4,482 |
| Assets per employee ($millions) | 8.2124% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9936% | 440 |
| Loan loss allowance to noncurrent loans | 2,052.2727% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,152 |
| Noncurrent loans to loans | 0.1459% | 5,650 |
| Net loans and leases to total assets | 29.6918% | 6,364 |
| Net loans and leases to deposits | 44.5075% | 5,947 |
| Net loans and leases to core deposits | 45.6768% | 6,006 |
| Total domestic deposits to total assets | 66.7120% | 6,543 |
| Equity capital to assets | 13.0017% | 1,306 |
| Core capital (leverage) ratio | 13.9166% | 846 |
| Tier 1 risk-based capital ratio | 28.0640% | 640 |
| Total risk-based capital ratio | 29.3224% | 624 |
| Memoranda: | ||
| Average total assets | $96,429,500 | 4,814 |
| Average earning assets | $90,079,500 | 4,776 |
| Average equity | $12,437,000 | 4,356 |
| Average total loans | $30,260,000 | 5,710 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 5,537 |
| Cost of funding earning assets | 0.6821% | 1,943 |
| Net interest margin | 2.8666% | 5,862 |
| Noninterest income to average assets | 0.2359% | 5,662 |
| Noninterest expense to average assets | 2.0281% | 5,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8517% | 3,021 |
| Return on assets (ROA) | 0.8517% | 3,100 |
| Pretax return on assets | 0.8845% | 3,828 |
| Return on Equity (ROE) | 6.2996% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9240% | 2,013 |
| Net charge-offs to loans | -0.2574% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6331% | 3,896 |
| Assets per employee ($millions) | 7.2546% | 670 |
| Cash dividends to net income (ytd only)* | 5.9627% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9714% | 489 |
| Loan loss allowance to noncurrent loans | 4,295.2381% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 6,336 |
| Noncurrent loans to loans | 0.0692% | 6,012 |
| Net loans and leases to total assets | 31.2310% | 6,421 |
| Net loans and leases to deposits | 45.6970% | 6,032 |
| Net loans and leases to core deposits | 46.9192% | 6,097 |
| Total domestic deposits to total assets | 68.3438% | 6,579 |
| Equity capital to assets | 12.7887% | 1,374 |
| Core capital (leverage) ratio | 14.2079% | 769 |
| Tier 1 risk-based capital ratio | 27.7395% | 627 |
| Total risk-based capital ratio | 28.9761% | 613 |
| Memoranda: | ||
| Average total assets | $94,520,600 | 4,878 |
| Average earning assets | $88,257,200 | 4,826 |
| Average equity | $12,778,600 | 4,304 |
| Average total loans | $29,521,600 | 5,785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 5,600 |
| Cost of funding earning assets | 0.7044% | 1,923 |
| Net interest margin | 2.8340% | 5,958 |
| Noninterest income to average assets | 0.2213% | 5,839 |
| Noninterest expense to average assets | 1.9568% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8501% | 3,097 |
| Return on assets (ROA) | 0.8501% | 3,210 |
| Pretax return on assets | 0.9136% | 3,820 |
| Return on Equity (ROE) | 6.2045% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.2045% | 2,284 |
| Net charge-offs to loans | -0.3320% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1729% | 4,064 |
| Assets per employee ($millions) | 7.2997% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1197% | 486 |
| Loan loss allowance to noncurrent loans | 44,950.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,529 |
| Noncurrent loans to loans | 0.0069% | 6,363 |
| Net loans and leases to total assets | 29.4196% | 6,554 |
| Net loans and leases to deposits | 44.5533% | 6,184 |
| Net loans and leases to core deposits | 45.7785% | 6,224 |
| Total domestic deposits to total assets | 66.0323% | 6,705 |
| Equity capital to assets | 13.0027% | 1,330 |
| Core capital (leverage) ratio | 13.5111% | 1,020 |
| Tier 1 risk-based capital ratio | 28.1534% | 622 |
| Total risk-based capital ratio | 29.4125% | 608 |
| Memoranda: | ||
| Average total assets | $94,573,250 | 4,921 |
| Average earning assets | $88,399,500 | 4,861 |
| Average equity | $12,958,000 | 4,316 |
| Average total loans | $29,313,000 | 5,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 5,599 |
| Cost of funding earning assets | 0.7395% | 1,775 |
| Net interest margin | 2.8042% | 5,994 |
| Noninterest income to average assets | 0.2117% | 5,927 |
| Noninterest expense to average assets | 2.0028% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8003% | 3,297 |
| Return on assets (ROA) | 0.8003% | 3,446 |
| Pretax return on assets | 0.8342% | 4,179 |
| Return on Equity (ROE) | 5.7428% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.7428% | 2,588 |
| Net charge-offs to loans | -0.4885% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5970% | 3,713 |
| Assets per employee ($millions) | 7.8044% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1780% | 486 |
| Loan loss allowance to noncurrent loans | 44,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,583 |
| Noncurrent loans to loans | 0.0071% | 6,418 |
| Net loans and leases to total assets | 29.2132% | 6,603 |
| Net loans and leases to deposits | 41.4801% | 6,347 |
| Net loans and leases to core deposits | 42.3947% | 6,391 |
| Total domestic deposits to total assets | 70.4270% | 6,642 |
| Equity capital to assets | 13.0556% | 1,326 |
| Core capital (leverage) ratio | 13.3195% | 1,044 |
| Tier 1 risk-based capital ratio | 28.3244% | 614 |
| Total risk-based capital ratio | 29.5825% | 601 |
| Memoranda: | ||
| Average total assets | $94,465,670 | 4,951 |
| Average earning assets | $88,437,330 | 4,887 |
| Average equity | $13,164,330 | 4,309 |
| Average total loans | $29,478,330 | 5,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 5,542 |
| Cost of funding earning assets | 0.7851% | 1,616 |
| Net interest margin | 2.7795% | 6,072 |
| Noninterest income to average assets | 0.2235% | 5,879 |
| Noninterest expense to average assets | 1.8931% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8348% | 2,984 |
| Return on assets (ROA) | 0.8348% | 3,127 |
| Pretax return on assets | 0.9276% | 3,661 |
| Return on Equity (ROE) | 5.8094% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.8094% | 2,775 |
| Net charge-offs to loans | -0.0399% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1151% | 4,472 |
| Assets per employee ($millions) | 7.3916% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8424% | 780 |
| Loan loss allowance to noncurrent loans | 493.4524% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 6,048 |
| Noncurrent loans to loans | 0.5760% | 5,005 |
| Net loans and leases to total assets | 29.4898% | 6,622 |
| Net loans and leases to deposits | 43.8701% | 6,212 |
| Net loans and leases to core deposits | 44.6702% | 6,280 |
| Total domestic deposits to total assets | 67.2207% | 6,827 |
| Equity capital to assets | 14.1699% | 970 |
| Core capital (leverage) ratio | 13.3723% | 986 |
| Tier 1 risk-based capital ratio | 27.5589% | 666 |
| Total risk-based capital ratio | 28.8181% | 656 |
| Memoranda: | ||
| Average total assets | $94,872,000 | 4,981 |
| Average earning assets | $88,648,500 | 4,920 |
| Average equity | $13,633,000 | 4,261 |
| Average total loans | $30,089,000 | 5,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 5,567 |
| Cost of funding earning assets | 0.9059% | 1,905 |
| Net interest margin | 2.9956% | 6,060 |
| Noninterest income to average assets | 0.2387% | 5,739 |
| Noninterest expense to average assets | 2.0240% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8775% | 2,922 |
| Return on assets (ROA) | 1.0605% | 2,277 |
| Pretax return on assets | 1.2218% | 2,718 |
| Return on Equity (ROE) | 7.4346% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.0679% | 1,534 |
| Net charge-offs to loans | -0.9941% | 7,025 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6786% | 4,383 |
| Assets per employee ($millions) | 7.2041% | 709 |
| Cash dividends to net income (ytd only)* | 4.9332% | 4,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6635% | 962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 32.2317% | 6,617 |
| Net loans and leases to deposits | 46.7971% | 6,191 |
| Net loans and leases to core deposits | 47.6481% | 6,287 |
| Total domestic deposits to total assets | 68.8755% | 6,827 |
| Equity capital to assets | 14.5751% | 850 |
| Core capital (leverage) ratio | 13.4193% | 976 |
| Tier 1 risk-based capital ratio | 26.6603% | 720 |
| Total risk-based capital ratio | 27.9175% | 707 |
| Memoranda: | ||
| Average total assets | $91,748,000 | 5,031 |
| Average earning assets | $85,659,800 | 4,973 |
| Average equity | $13,087,400 | 4,340 |
| Average total loans | $30,278,600 | 5,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 5,838 |
| Cost of funding earning assets | 0.9325% | 1,965 |
| Net interest margin | 2.9458% | 6,282 |
| Noninterest income to average assets | 0.2498% | 5,779 |
| Noninterest expense to average assets | 1.9779% | 6,386 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8867% | 3,048 |
| Return on assets (ROA) | 1.1292% | 2,184 |
| Pretax return on assets | 1.3133% | 2,547 |
| Return on Equity (ROE) | 7.9606% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.9606% | 1,629 |
| Net charge-offs to loans | -0.2215% | 7,010 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7282% | 4,501 |
| Assets per employee ($millions) | 7.0824% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 32.7823% | 6,713 |
| Net loans and leases to deposits | 48.8485% | 6,201 |
| Net loans and leases to core deposits | 50.7005% | 6,249 |
| Total domestic deposits to total assets | 67.1102% | 6,949 |
| Equity capital to assets | 14.7462% | 886 |
| Core capital (leverage) ratio | 12.8171% | 1,269 |
| Tier 1 risk-based capital ratio | 26.2370% | 804 |
| Total risk-based capital ratio | 27.4745% | 786 |
| Memoranda: | ||
| Average total assets | $91,271,750 | 5,097 |
| Average earning assets | $85,498,000 | 5,036 |
| Average equity | $12,946,750 | 4,407 |
| Average total loans | $30,095,250 | 6,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 5,938 |
| Cost of funding earning assets | 0.9563% | 2,024 |
| Net interest margin | 2.9345% | 6,372 |
| Noninterest income to average assets | 0.2154% | 6,023 |
| Noninterest expense to average assets | 1.9867% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8261% | 3,271 |
| Return on assets (ROA) | 1.1823% | 1,977 |
| Pretax return on assets | 1.4043% | 2,180 |
| Return on Equity (ROE) | 8.4480% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.4480% | 1,463 |
| Net charge-offs to loans | -0.3080% | 7,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9630% | 4,324 |
| Assets per employee ($millions) | 7.1515% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 2,461 |
| Loan loss allowance to noncurrent loans | 7,150.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,823 |
| Noncurrent loans to loans | 0.0269% | 6,624 |
| Net loans and leases to total assets | 31.3492% | 6,836 |
| Net loans and leases to deposits | 45.0868% | 6,499 |
| Net loans and leases to core deposits | 47.3056% | 6,498 |
| Total domestic deposits to total assets | 69.5307% | 6,928 |
| Equity capital to assets | 14.2252% | 1,006 |
| Core capital (leverage) ratio | 12.7916% | 1,220 |
| Tier 1 risk-based capital ratio | 25.9249% | 810 |
| Total risk-based capital ratio | 27.1631% | 796 |
| Memoranda: | ||
| Average total assets | $91,005,330 | 5,137 |
| Average earning assets | $85,330,330 | 5,068 |
| Average equity | $12,736,670 | 4,449 |
| Average total loans | $29,874,000 | 6,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 5,745 |
| Cost of funding earning assets | 1.0415% | 1,735 |
| Net interest margin | 2.9628% | 6,368 |
| Noninterest income to average assets | 0.2888% | 5,563 |
| Noninterest expense to average assets | 2.0261% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9864% | 2,531 |
| Return on assets (ROA) | 0.9864% | 2,725 |
| Pretax return on assets | 1.0308% | 3,566 |
| Return on Equity (ROE) | 7.1083% | 3,723 |
| Retained earnings to average equity (ytd only) | 7.1083% | 2,376 |
| Net charge-offs to loans | 0.0401% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 436 |
| Efficiency ratio | 66.2791% | 4,509 |
| Assets per employee ($millions) | 7.1002% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 3,125 |
| Loan loss allowance to noncurrent loans | 128.8177% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 5,768 |
| Noncurrent loans to loans | 1.3665% | 4,071 |
| Net loans and leases to total assets | 31.6219% | 6,848 |
| Net loans and leases to deposits | 46.3353% | 6,403 |
| Net loans and leases to core deposits | 46.3353% | 6,547 |
| Total domestic deposits to total assets | 68.2459% | 7,045 |
| Equity capital to assets | 13.7558% | 1,110 |
| Core capital (leverage) ratio | 13.1014% | 1,085 |
| Tier 1 risk-based capital ratio | 25.0118% | 907 |
| Total risk-based capital ratio | 26.1336% | 907 |
| Memoranda: | ||
| Average total assets | $90,023,500 | 5,207 |
| Average earning assets | $84,109,500 | 5,135 |
| Average equity | $12,492,500 | 4,509 |
| Average total loans | $29,952,500 | 6,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 4,767 |
| Cost of funding earning assets | 1.3235% | 1,370 |
| Net interest margin | 3.2525% | 5,953 |
| Noninterest income to average assets | 0.3115% | 5,318 |
| Noninterest expense to average assets | 2.2142% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8970% | 2,618 |
| Return on assets (ROA) | 1.4728% | 957 |
| Pretax return on assets | 1.8599% | 715 |
| Return on Equity (ROE) | 10.3651% | 1,934 |
| Retained earnings to average equity (ytd only) | 9.9391% | 584 |
| Net charge-offs to loans | 0.0166% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 192 |
| Efficiency ratio | 66.1892% | 4,733 |
| Assets per employee ($millions) | 6.7495% | 838 |
| Cash dividends to net income (ytd only)* | 4.1096% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 3,052 |
| Loan loss allowance to noncurrent loans | 164.8903% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 6,068 |
| Noncurrent loans to loans | 1.0565% | 4,599 |
| Net loans and leases to total assets | 33.8120% | 6,874 |
| Net loans and leases to deposits | 48.9781% | 6,435 |
| Net loans and leases to core deposits | 48.9781% | 6,593 |
| Total domestic deposits to total assets | 69.0349% | 7,030 |
| Equity capital to assets | 14.0044% | 1,060 |
| Core capital (leverage) ratio | 13.5792% | 939 |
| Tier 1 risk-based capital ratio | 25.4817% | 825 |
| Total risk-based capital ratio | 26.6557% | 806 |
| Memoranda: | ||
| Average total assets | $79,305,200 | 5,471 |
| Average earning assets | $73,973,000 | 5,401 |
| Average equity | $11,268,600 | 4,726 |
| Average total loans | $30,160,400 | 6,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 4,305 |
| Cost of funding earning assets | 1.3676% | 1,383 |
| Net interest margin | 3.3654% | 5,668 |
| Noninterest income to average assets | 0.2902% | 5,536 |
| Noninterest expense to average assets | 2.3006% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9689% | 2,438 |
| Return on assets (ROA) | 0.9689% | 2,606 |
| Pretax return on assets | 1.1348% | 2,875 |
| Return on Equity (ROE) | 6.7913% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.7913% | 2,085 |
| Net charge-offs to loans | 0.0575% | 5,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 50.5470% | 640 |
| Efficiency ratio | 66.9683% | 4,532 |
| Assets per employee ($millions) | 6.1896% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 3,095 |
| Loan loss allowance to noncurrent loans | 139.2473% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,932 |
| Noncurrent loans to loans | 1.2585% | 4,433 |
| Net loans and leases to total assets | 36.0902% | 6,866 |
| Net loans and leases to deposits | 52.9000% | 6,301 |
| Net loans and leases to core deposits | 52.9000% | 6,513 |
| Total domestic deposits to total assets | 68.2235% | 7,129 |
| Equity capital to assets | 15.3060% | 770 |
| Core capital (leverage) ratio | 13.6649% | 989 |
| Tier 1 risk-based capital ratio | 24.9004% | 925 |
| Total risk-based capital ratio | 26.0861% | 912 |
| Memoranda: | ||
| Average total assets | $77,195,500 | 5,570 |
| Average earning assets | $72,144,250 | 5,511 |
| Average equity | $11,013,750 | 4,800 |
| Average total loans | $30,152,000 | 6,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 3,887 |
| Cost of funding earning assets | 1.3967% | 1,439 |
| Net interest margin | 3.4483% | 5,375 |
| Noninterest income to average assets | 0.2602% | 5,787 |
| Noninterest expense to average assets | 2.2679% | 6,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0617% | 1,995 |
| Return on assets (ROA) | 1.0617% | 2,089 |
| Pretax return on assets | 1.2167% | 2,415 |
| Return on Equity (ROE) | 7.6373% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6373% | 1,603 |
| Net charge-offs to loans | -0.0857% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0830% | 5,044 |
| Assets per employee ($millions) | 6.0491% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 2,872 |
| Loan loss allowance to noncurrent loans | 116.9892% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 5,737 |
| Noncurrent loans to loans | 1.5686% | 4,056 |
| Net loans and leases to total assets | 37.0063% | 6,909 |
| Net loans and leases to deposits | 52.9754% | 6,396 |
| Net loans and leases to core deposits | 52.9754% | 6,615 |
| Total domestic deposits to total assets | 69.8555% | 7,120 |
| Equity capital to assets | 14.3200% | 990 |
| Core capital (leverage) ratio | 13.8597% | 906 |
| Tier 1 risk-based capital ratio | 25.1779% | 890 |
| Total risk-based capital ratio | 26.4271% | 874 |
| Memoranda: | ||
| Average total assets | $76,105,670 | 5,650 |
| Average earning assets | $71,165,330 | 5,589 |
| Average equity | $10,579,670 | 4,902 |
| Average total loans | $30,350,000 | 6,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 2,541 |
| Cost of funding earning assets | 1.4638% | 1,318 |
| Net interest margin | 3.6596% | 4,284 |
| Noninterest income to average assets | 0.2672% | 5,759 |
| Noninterest expense to average assets | 2.2074% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2133% | 1,492 |
| Return on assets (ROA) | 1.2133% | 1,547 |
| Pretax return on assets | 1.4805% | 1,504 |
| Return on Equity (ROE) | 8.8681% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.8681% | 1,419 |
| Net charge-offs to loans | -0.0261% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8551% | 6,002 |
| Assets per employee ($millions) | 5.8453% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 3,048 |
| Loan loss allowance to noncurrent loans | 463.4783% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 6,788 |
| Noncurrent loans to loans | 0.3858% | 6,223 |
| Net loans and leases to total assets | 38.5306% | 6,872 |
| Net loans and leases to deposits | 55.9208% | 6,133 |
| Net loans and leases to core deposits | 55.9208% | 6,418 |
| Total domestic deposits to total assets | 68.9021% | 7,234 |
| Equity capital to assets | 13.8323% | 1,057 |
| Core capital (leverage) ratio | 13.9808% | 856 |
| Tier 1 risk-based capital ratio | 24.8258% | 894 |
| Total risk-based capital ratio | 26.0759% | 876 |
| Memoranda: | ||
| Average total assets | $74,839,500 | 5,734 |
| Average earning assets | $69,953,500 | 5,673 |
| Average equity | $10,239,000 | 4,978 |
| Average total loans | $30,702,500 | 6,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 5,133 |
| Cost of funding earning assets | 1.5843% | 2,166 |
| Net interest margin | 3.2921% | 6,006 |
| Noninterest income to average assets | 0.2993% | 5,653 |
| Noninterest expense to average assets | 2.1929% | 6,634 |
| Loan and lease loss provision to assets | 0.5094% | 3,118 |
| Net operating income to assets | 0.6661% | 3,362 |
| Return on assets (ROA) | 0.9543% | 2,315 |
| Pretax return on assets | 0.9639% | 3,050 |
| Return on Equity (ROE) | 6.7995% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.4277% | 1,602 |
| Net charge-offs to loans | 1.5995% | 1,359 |
| Credit loss provision to net charge-offs | 76.0246% | 5,696 |
| Earnings coverage of net charge-offs (x) | 1.7643% | 4,395 |
| Efficiency ratio | 64.9715% | 5,169 |
| Assets per employee ($millions) | 5.6685% | 1,448 |
| Cash dividends to net income (ytd only)* | 5.4676% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,289 |
| Loan loss allowance to noncurrent loans | 117.2185% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 5,789 |
| Noncurrent loans to loans | 1.4339% | 4,337 |
| Net loans and leases to total assets | 42.1523% | 6,841 |
| Net loans and leases to deposits | 58.9110% | 6,163 |
| Net loans and leases to core deposits | 58.9110% | 6,479 |
| Total domestic deposits to total assets | 71.5524% | 7,128 |
| Equity capital to assets | 13.5256% | 1,171 |
| Core capital (leverage) ratio | 13.5455% | 970 |
| Tier 1 risk-based capital ratio | 23.6196% | 970 |
| Total risk-based capital ratio | 24.8352% | 953 |
| Memoranda: | ||
| Average total assets | $72,826,000 | 5,790 |
| Average earning assets | $68,040,800 | 5,733 |
| Average equity | $10,221,400 | 5,071 |
| Average total loans | $30,510,400 | 6,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 5,665 |
| Cost of funding earning assets | 1.5876% | 2,458 |
| Net interest margin | 3.2106% | 6,305 |
| Noninterest income to average assets | 0.2883% | 5,812 |
| Noninterest expense to average assets | 2.0860% | 6,875 |
| Loan and lease loss provision to assets | 0.6794% | 2,245 |
| Net operating income to assets | 0.5876% | 3,928 |
| Return on assets (ROA) | 0.5876% | 4,094 |
| Pretax return on assets | 0.5233% | 4,844 |
| Return on Equity (ROE) | 4.1484% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.1484% | 3,551 |
| Net charge-offs to loans | 2.1340% | 864 |
| Credit loss provision to net charge-offs | 76.4463% | 5,240 |
| Earnings coverage of net charge-offs (x) | 1.3533% | 4,725 |
| Efficiency ratio | 63.4283% | 5,358 |
| Assets per employee ($millions) | 5.8458% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 3,189 |
| Loan loss allowance to noncurrent loans | 56.8085% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 4,679 |
| Noncurrent loans to loans | 2.9704% | 2,686 |
| Net loans and leases to total assets | 40.9395% | 7,030 |
| Net loans and leases to deposits | 56.1254% | 6,611 |
| Net loans and leases to core deposits | 56.1254% | 6,846 |
| Total domestic deposits to total assets | 72.9430% | 7,035 |
| Equity capital to assets | 14.4891% | 1,020 |
| Core capital (leverage) ratio | 13.6461% | 1,009 |
| Tier 1 risk-based capital ratio | 22.0563% | 1,199 |
| Total risk-based capital ratio | 23.2362% | 1,181 |
| Memoranda: | ||
| Average total assets | $72,610,000 | 5,862 |
| Average earning assets | $67,856,500 | 5,802 |
| Average equity | $10,285,000 | 5,109 |
| Average total loans | $30,239,750 | 6,466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 4,942 |
| Cost of funding earning assets | 1.6096% | 2,602 |
| Net interest margin | 3.3900% | 5,677 |
| Noninterest income to average assets | 0.2742% | 5,958 |
| Noninterest expense to average assets | 2.1880% | 6,675 |
| Loan and lease loss provision to assets | 0.8198% | 1,764 |
| Net operating income to assets | 0.6155% | 3,808 |
| Return on assets (ROA) | 0.6155% | 3,946 |
| Pretax return on assets | 0.4309% | 5,120 |
| Return on Equity (ROE) | 4.3812% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.3812% | 3,288 |
| Net charge-offs to loans | 2.0355% | 894 |
| Credit loss provision to net charge-offs | 96.6997% | 4,219 |
| Earnings coverage of net charge-offs (x) | 1.4752% | 4,380 |
| Efficiency ratio | 63.6290% | 5,404 |
| Assets per employee ($millions) | 5.4325% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 1,912 |
| Loan loss allowance to noncurrent loans | 87.2777% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 5,068 |
| Noncurrent loans to loans | 2.4366% | 3,210 |
| Net loans and leases to total assets | 41.5771% | 7,062 |
| Net loans and leases to deposits | 56.1541% | 6,717 |
| Net loans and leases to core deposits | 56.4293% | 6,915 |
| Total domestic deposits to total assets | 74.0410% | 6,964 |
| Equity capital to assets | 14.6284% | 967 |
| Core capital (leverage) ratio | 13.6410% | 1,020 |
| Tier 1 risk-based capital ratio | 22.9172% | 1,079 |
| Total risk-based capital ratio | 24.1674% | 1,056 |
| Memoranda: | ||
| Average total assets | $71,481,670 | 5,935 |
| Average earning assets | $66,725,670 | 5,877 |
| Average equity | $10,043,000 | 5,185 |
| Average total loans | $29,771,000 | 6,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 5,527 |
| Cost of funding earning assets | 1.6014% | 2,955 |
| Net interest margin | 3.2862% | 6,020 |
| Noninterest income to average assets | 0.3171% | 5,609 |
| Noninterest expense to average assets | 2.0581% | 7,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1625% | 1,643 |
| Return on assets (ROA) | 1.1625% | 1,721 |
| Pretax return on assets | 1.3294% | 1,969 |
| Return on Equity (ROE) | 8.4453% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.4453% | 1,551 |
| Net charge-offs to loans | 0.1619% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 19.9167% | 1,179 |
| Efficiency ratio | 60.7553% | 6,044 |
| Assets per employee ($millions) | 5.5283% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 1,846 |
| Loan loss allowance to noncurrent loans | 130.8642% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,824 |
| Noncurrent loans to loans | 1.6451% | 4,280 |
| Net loans and leases to total assets | 40.2210% | 7,239 |
| Net loans and leases to deposits | 53.4228% | 6,955 |
| Net loans and leases to core deposits | 53.9603% | 7,109 |
| Total domestic deposits to total assets | 75.2880% | 6,864 |
| Equity capital to assets | 13.9993% | 1,144 |
| Core capital (leverage) ratio | 13.7561% | 1,017 |
| Tier 1 risk-based capital ratio | 23.0426% | 1,070 |
| Total risk-based capital ratio | 24.2962% | 1,047 |
| Memoranda: | ||
| Average total assets | $71,911,000 | 5,996 |
| Average earning assets | $67,190,500 | 5,926 |
| Average equity | $9,899,000 | 5,267 |
| Average total loans | $29,656,000 | 6,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 6,160 |
| Cost of funding earning assets | 1.9506% | 3,207 |
| Net interest margin | 3.1300% | 6,281 |
| Noninterest income to average assets | 0.5190% | 4,268 |
| Noninterest expense to average assets | 2.3030% | 6,741 |
| Loan and lease loss provision to assets | 0.1619% | 6,068 |
| Net operating income to assets | 0.9759% | 1,922 |
| Return on assets (ROA) | 0.9759% | 1,981 |
| Pretax return on assets | 0.9585% | 2,733 |
| Return on Equity (ROE) | 6.8994% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.4804% | 1,158 |
| Net charge-offs to loans | 0.3036% | 4,733 |
| Credit loss provision to net charge-offs | 127.2727% | 4,071 |
| Earnings coverage of net charge-offs (x) | 8.8068% | 1,890 |
| Efficiency ratio | 67.2720% | 5,135 |
| Assets per employee ($millions) | 5.5349% | 1,615 |
| Cash dividends to net income (ytd only)* | 6.0741% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 1,693 |
| Loan loss allowance to noncurrent loans | 246.3878% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 6,536 |
| Noncurrent loans to loans | 0.8834% | 5,538 |
| Net loans and leases to total assets | 40.4731% | 7,325 |
| Net loans and leases to deposits | 56.5904% | 6,887 |
| Net loans and leases to core deposits | 59.1202% | 7,295 |
| Total domestic deposits to total assets | 71.5193% | 7,287 |
| Equity capital to assets | 13.5323% | 1,305 |
| Core capital (leverage) ratio | 13.1374% | 1,209 |
| Tier 1 risk-based capital ratio | 22.4510% | 1,103 |
| Total risk-based capital ratio | 23.7034% | 1,079 |
| Memoranda: | ||
| Average total assets | $69,169,200 | 6,031 |
| Average earning assets | $64,185,400 | 5,991 |
| Average equity | $9,783,400 | 5,357 |
| Average total loans | $28,982,400 | 6,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 6,241 |
| Cost of funding earning assets | 2.0287% | 3,224 |
| Net interest margin | 3.0777% | 6,372 |
| Noninterest income to average assets | 0.4829% | 4,643 |
| Noninterest expense to average assets | 2.1770% | 7,030 |
| Loan and lease loss provision to assets | 0.2181% | 5,235 |
| Net operating income to assets | 0.9483% | 2,239 |
| Return on assets (ROA) | 0.9483% | 2,302 |
| Pretax return on assets | 0.9385% | 3,103 |
| Return on Equity (ROE) | 6.6291% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.6291% | 1,658 |
| Net charge-offs to loans | 0.4586% | 3,395 |
| Credit loss provision to net charge-offs | 113.1313% | 4,492 |
| Earnings coverage of net charge-offs (x) | 5.9998% | 2,690 |
| Efficiency ratio | 65.3037% | 5,501 |
| Assets per employee ($millions) | 5.4106% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,496 |
| Loan loss allowance to noncurrent loans | 273.3906% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 6,653 |
| Noncurrent loans to loans | 0.7889% | 5,719 |
| Net loans and leases to total assets | 41.0831% | 7,405 |
| Net loans and leases to deposits | 57.2740% | 7,009 |
| Net loans and leases to core deposits | 60.0170% | 7,399 |
| Total domestic deposits to total assets | 71.7308% | 7,242 |
| Equity capital to assets | 15.1980% | 951 |
| Core capital (leverage) ratio | 14.4447% | 967 |
| Tier 1 risk-based capital ratio | 23.9949% | 1,001 |
| Total risk-based capital ratio | 25.2489% | 977 |
| Memoranda: | ||
| Average total assets | $68,473,000 | 6,091 |
| Average earning assets | $63,422,250 | 6,059 |
| Average equity | $9,795,000 | 5,401 |
| Average total loans | $28,785,500 | 6,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 6,439 |
| Cost of funding earning assets | 2.1496% | 3,049 |
| Net interest margin | 2.9502% | 6,681 |
| Noninterest income to average assets | 0.4274% | 5,059 |
| Noninterest expense to average assets | 2.2048% | 7,041 |
| Loan and lease loss provision to assets | 0.3301% | 3,956 |
| Net operating income to assets | 0.7281% | 3,141 |
| Return on assets (ROA) | 0.7281% | 3,247 |
| Pretax return on assets | 0.6190% | 4,275 |
| Return on Equity (ROE) | 5.2018% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.2018% | 2,395 |
| Net charge-offs to loans | 0.7710% | 2,138 |
| Credit loss provision to net charge-offs | 101.8182% | 4,492 |
| Earnings coverage of net charge-offs (x) | 2.9273% | 3,637 |
| Efficiency ratio | 69.9065% | 4,801 |
| Assets per employee ($millions) | 5.5423% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 1,296 |
| Loan loss allowance to noncurrent loans | 1,565.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 7,458 |
| Noncurrent loans to loans | 0.1382% | 7,171 |
| Net loans and leases to total assets | 39.2935% | 7,579 |
| Net loans and leases to deposits | 51.7767% | 7,396 |
| Net loans and leases to core deposits | 54.1495% | 7,656 |
| Total domestic deposits to total assets | 75.8904% | 6,577 |
| Equity capital to assets | 13.2117% | 1,603 |
| Core capital (leverage) ratio | 14.3294% | 1,062 |
| Tier 1 risk-based capital ratio | 23.4818% | 1,092 |
| Total risk-based capital ratio | 24.7339% | 1,067 |
| Memoranda: | ||
| Average total assets | $67,851,330 | 6,159 |
| Average earning assets | $62,708,670 | 6,121 |
| Average equity | $9,496,670 | 5,514 |
| Average total loans | $28,536,000 | 6,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 5,865 |
| Cost of funding earning assets | 2.1894% | 3,218 |
| Net interest margin | 3.1183% | 6,147 |
| Noninterest income to average assets | 0.3528% | 5,617 |
| Noninterest expense to average assets | 2.0866% | 7,150 |
| Loan and lease loss provision to assets | 0.6813% | 1,857 |
| Net operating income to assets | 0.5718% | 4,135 |
| Return on assets (ROA) | 0.5718% | 4,331 |
| Pretax return on assets | 0.4441% | 5,258 |
| Return on Equity (ROE) | 3.9639% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.9639% | 3,693 |
| Net charge-offs to loans | 1.5811% | 916 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.6518% | 3,905 |
| Efficiency ratio | 64.9621% | 5,510 |
| Assets per employee ($millions) | 5.0586% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 1,077 |
| Loan loss allowance to noncurrent loans | 1,560.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 7,418 |
| Noncurrent loans to loans | 0.1414% | 7,116 |
| Net loans and leases to total assets | 42.0805% | 7,460 |
| Net loans and leases to deposits | 56.7372% | 7,115 |
| Net loans and leases to core deposits | 59.9528% | 7,457 |
| Total domestic deposits to total assets | 74.1675% | 6,857 |
| Equity capital to assets | 14.5494% | 1,218 |
| Core capital (leverage) ratio | 15.2095% | 922 |
| Tier 1 risk-based capital ratio | 24.5825% | 1,014 |
| Total risk-based capital ratio | 25.8356% | 997 |
| Memoranda: | ||
| Average total assets | $65,752,000 | 6,261 |
| Average earning assets | $60,289,500 | 6,249 |
| Average equity | $9,485,500 | 5,540 |
| Average total loans | $28,335,500 | 6,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8794% | 6,139 |
| Cost of funding earning assets | 2.6790% | 3,261 |
| Net interest margin | 3.2004% | 6,365 |
| Noninterest income to average assets | 0.2432% | 6,702 |
| Noninterest expense to average assets | 2.3564% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7952% | 3,454 |
| Return on assets (ROA) | 0.8079% | 3,245 |
| Pretax return on assets | 0.8159% | 4,007 |
| Return on Equity (ROE) | 5.4668% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.0229% | 2,014 |
| Net charge-offs to loans | -0.3949% | 8,205 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5823% | 3,480 |
| Assets per employee ($millions) | 5.0571% | 1,897 |
| Cash dividends to net income (ytd only)* | 8.1188% | 4,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 945 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,635 |
| Noncurrent loans to loans | 0.0106% | 7,509 |
| Net loans and leases to total assets | 42.2105% | 7,573 |
| Net loans and leases to deposits | 57.5654% | 7,233 |
| Net loans and leases to core deposits | 60.2449% | 7,576 |
| Total domestic deposits to total assets | 73.3260% | 6,767 |
| Equity capital to assets | 14.3029% | 1,350 |
| Core capital (leverage) ratio | 15.1706% | 988 |
| Tier 1 risk-based capital ratio | 24.0857% | 1,079 |
| Total risk-based capital ratio | 25.3381% | 1,055 |
| Memoranda: | ||
| Average total assets | $62,510,800 | 6,298 |
| Average earning assets | $56,961,800 | 6,303 |
| Average equity | $9,237,600 | 5,658 |
| Average total loans | $27,856,200 | 6,854 |