Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 4,693 |
| Cost of funding earning assets | 0.2157% | 6,398 |
| Net interest margin | 3.6242% | 3,265 |
| Noninterest income to average assets | 0.1425% | 6,336 |
| Noninterest expense to average assets | 3.3123% | 2,039 |
| Loan and lease loss provision to assets | -0.2783% | 6,823 |
| Net operating income to assets | 0.5091% | 4,768 |
| Return on assets (ROA) | 0.5091% | 4,929 |
| Pretax return on assets | 0.5294% | 5,270 |
| Return on Equity (ROE) | 3.3522% | 5,484 |
| Retained earnings to average equity (ytd only) | -0.4470% | 5,951 |
| Net charge-offs to loans | 0.1533% | 2,873 |
| Credit loss provision to net charge-offs | -410.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | 3.7000% | 3,330 |
| Efficiency ratio | 92.9524% | 821 |
| Assets per employee ($millions) | 3.6360% | 4,539 |
| Cash dividends to net income (ytd only)* | 113.3333% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 41.7251% | 5,917 |
| Net loans and leases to deposits | 49.5853% | 5,877 |
| Net loans and leases to core deposits | 49.5853% | 6,043 |
| Total domestic deposits to total assets | 84.1481% | 4,260 |
| Equity capital to assets | 15.3053% | 654 |
| Core capital (leverage) ratio | 14.0770% | 807 |
| Tier 1 risk-based capital ratio | 24.7108% | 906 |
| Total risk-based capital ratio | 25.9094% | 895 |
| Memoranda: | ||
| Average total assets | $29,466,330 | 6,656 |
| Average earning assets | $27,812,670 | 6,619 |
| Average equity | $4,474,670 | 6,338 |
| Average total loans | $13,046,670 | 6,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 4,404 |
| Cost of funding earning assets | 0.2146% | 6,510 |
| Net interest margin | 3.7056% | 2,830 |
| Noninterest income to average assets | -0.0405% | 6,894 |
| Noninterest expense to average assets | 3.7227% | 1,215 |
| Loan and lease loss provision to assets | -0.4181% | 6,940 |
| Net operating income to assets | 0.1484% | 6,046 |
| Return on assets (ROA) | 0.1484% | 6,141 |
| Pretax return on assets | 0.1484% | 6,176 |
| Return on Equity (ROE) | 0.9808% | 6,225 |
| Retained earnings to average equity (ytd only) | -6.5983% | 6,448 |
| Net charge-offs to loans | 0.3283% | 1,655 |
| Credit loss provision to net charge-offs | -281.8182% | 5,340 |
| Earnings coverage of net charge-offs (x) | -1.8182% | 4,012 |
| Efficiency ratio | 107.8125% | 360 |
| Assets per employee ($millions) | 3.2693% | 5,502 |
| Cash dividends to net income (ytd only)* | 772.7273% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 3,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 6,085 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.6115% | 5,797 |
| Net loans and leases to deposits | 50.6811% | 5,735 |
| Net loans and leases to core deposits | 50.6811% | 5,919 |
| Total domestic deposits to total assets | 84.0776% | 4,439 |
| Equity capital to assets | 15.0999% | 733 |
| Core capital (leverage) ratio | 13.7287% | 865 |
| Tier 1 risk-based capital ratio | 23.8432% | 1,038 |
| Total risk-based capital ratio | 25.0701% | 1,018 |
| Memoranda: | ||
| Average total assets | $29,655,500 | 6,718 |
| Average earning assets | $27,958,000 | 6,676 |
| Average equity | $4,486,000 | 6,395 |
| Average total loans | $13,401,000 | 6,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 4,171 |
| Cost of funding earning assets | 0.3011% | 6,444 |
| Net interest margin | 4.0044% | 2,374 |
| Noninterest income to average assets | 0.3380% | 5,038 |
| Noninterest expense to average assets | 3.2727% | 2,418 |
| Loan and lease loss provision to assets | 0.3001% | 2,276 |
| Net operating income to assets | 0.2399% | 5,665 |
| Return on assets (ROA) | 0.9509% | 2,795 |
| Pretax return on assets | 1.0172% | 3,487 |
| Return on Equity (ROE) | 6.7266% | 3,796 |
| Retained earnings to average equity (ytd only) | 3.5979% | 3,676 |
| Net charge-offs to loans | 1.3834% | 669 |
| Credit loss provision to net charge-offs | 54.9133% | 4,580 |
| Earnings coverage of net charge-offs (x) | 1.0116% | 4,965 |
| Efficiency ratio | 85.5491% | 1,472 |
| Assets per employee ($millions) | 2.7170% | 6,407 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 2,606 |
| Loan loss allowance to noncurrent loans | 741.1765% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 5,540 |
| Noncurrent loans to loans | 0.2419% | 5,875 |
| Net loans and leases to total assets | 46.1806% | 5,592 |
| Net loans and leases to deposits | 54.9421% | 5,562 |
| Net loans and leases to core deposits | 54.9421% | 5,800 |
| Total domestic deposits to total assets | 84.0533% | 4,292 |
| Equity capital to assets | 15.1537% | 704 |
| Core capital (leverage) ratio | 13.1855% | 1,050 |
| Tier 1 risk-based capital ratio | 22.1281% | 1,241 |
| Total risk-based capital ratio | 23.3797% | 1,210 |
| Memoranda: | ||
| Average total assets | $31,655,600 | 6,715 |
| Average earning assets | $27,570,000 | 6,725 |
| Average equity | $4,474,800 | 6,449 |
| Average total loans | $12,505,400 | 6,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 4,317 |
| Cost of funding earning assets | 0.3255% | 6,487 |
| Net interest margin | 4.0083% | 2,471 |
| Noninterest income to average assets | 0.3282% | 5,172 |
| Noninterest expense to average assets | 3.2109% | 2,530 |
| Loan and lease loss provision to assets | 0.3282% | 2,001 |
| Net operating income to assets | 0.1424% | 6,047 |
| Return on assets (ROA) | 0.8059% | 3,666 |
| Pretax return on assets | 1.2212% | 2,910 |
| Return on Equity (ROE) | 5.7979% | 4,439 |
| Retained earnings to average equity (ytd only) | 1.6139% | 5,527 |
| Net charge-offs to loans | 1.6944% | 483 |
| Credit loss provision to net charge-offs | 51.2987% | 4,374 |
| Earnings coverage of net charge-offs (x) | 0.8506% | 4,905 |
| Efficiency ratio | 85.5088% | 1,430 |
| Assets per employee ($millions) | 2.9458% | 6,136 |
| Cash dividends to net income (ytd only)* | 72.1642% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 2,459 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 5,464 |
| Noncurrent loans to loans | 0.5356% | 5,374 |
| Net loans and leases to total assets | 40.6987% | 6,224 |
| Net loans and leases to deposits | 47.9599% | 6,261 |
| Net loans and leases to core deposits | 47.9599% | 6,415 |
| Total domestic deposits to total assets | 84.8599% | 3,807 |
| Equity capital to assets | 13.8069% | 1,230 |
| Core capital (leverage) ratio | 12.4608% | 1,430 |
| Tier 1 risk-based capital ratio | 20.8603% | 1,561 |
| Total risk-based capital ratio | 22.1107% | 1,527 |
| Memoranda: | ||
| Average total assets | $32,097,750 | 6,789 |
| Average earning assets | $27,442,250 | 6,816 |
| Average equity | $4,461,250 | 6,522 |
| Average total loans | $12,118,250 | 6,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 3,858 |
| Cost of funding earning assets | 0.3601% | 6,465 |
| Net interest margin | 4.1182% | 2,019 |
| Noninterest income to average assets | 0.4063% | 4,603 |
| Noninterest expense to average assets | 3.3442% | 2,171 |
| Loan and lease loss provision to assets | 0.2125% | 2,951 |
| Net operating income to assets | 0.1830% | 5,969 |
| Return on assets (ROA) | 1.1814% | 1,983 |
| Pretax return on assets | 1.7940% | 1,057 |
| Return on Equity (ROE) | 8.4810% | 3,026 |
| Retained earnings to average equity (ytd only) | 2.1988% | 5,093 |
| Net charge-offs to loans | 2.0212% | 406 |
| Credit loss provision to net charge-offs | 28.8136% | 4,458 |
| Earnings coverage of net charge-offs (x) | 0.6695% | 4,724 |
| Efficiency ratio | 87.1336% | 1,325 |
| Assets per employee ($millions) | 3.9681% | 3,945 |
| Cash dividends to net income (ytd only)* | 74.0741% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 2,751 |
| Loan loss allowance to noncurrent loans | 167.3469% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 5,614 |
| Noncurrent loans to loans | 1.0951% | 4,335 |
| Net loans and leases to total assets | 41.5089% | 6,228 |
| Net loans and leases to deposits | 48.9015% | 6,252 |
| Net loans and leases to core deposits | 48.9015% | 6,408 |
| Total domestic deposits to total assets | 84.8827% | 3,907 |
| Equity capital to assets | 14.0211% | 1,088 |
| Core capital (leverage) ratio | 12.8494% | 1,195 |
| Tier 1 risk-based capital ratio | 22.0773% | 1,279 |
| Total risk-based capital ratio | 23.3271% | 1,259 |
| Memoranda: | ||
| Average total assets | $31,995,670 | 6,843 |
| Average earning assets | $26,662,330 | 6,883 |
| Average equity | $4,457,000 | 6,556 |
| Average total loans | $11,676,330 | 6,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 4,501 |
| Cost of funding earning assets | 0.3932% | 6,440 |
| Net interest margin | 3.9615% | 2,664 |
| Noninterest income to average assets | 0.4483% | 4,302 |
| Noninterest expense to average assets | 3.3000% | 2,287 |
| Loan and lease loss provision to assets | 0.1494% | 3,495 |
| Net operating income to assets | 0.2525% | 5,809 |
| Return on assets (ROA) | 2.2415% | 321 |
| Pretax return on assets | 3.3996% | 126 |
| Return on Equity (ROE) | 16.1435% | 785 |
| Retained earnings to average equity (ytd only) | 3.5874% | 4,424 |
| Net charge-offs to loans | 0.6295% | 1,537 |
| Credit loss provision to net charge-offs | 70.5882% | 2,898 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,158 |
| Efficiency ratio | 86.0390% | 1,480 |
| Assets per employee ($millions) | 2.8536% | 6,428 |
| Cash dividends to net income (ytd only)* | 77.7778% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8675% | 942 |
| Loan loss allowance to noncurrent loans | 411.3924% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 6,256 |
| Noncurrent loans to loans | 0.6970% | 5,272 |
| Net loans and leases to total assets | 35.0717% | 6,685 |
| Net loans and leases to deposits | 41.2662% | 6,691 |
| Net loans and leases to core deposits | 41.2662% | 6,778 |
| Total domestic deposits to total assets | 84.9888% | 4,042 |
| Equity capital to assets | 14.0491% | 1,010 |
| Core capital (leverage) ratio | 12.3792% | 1,396 |
| Tier 1 risk-based capital ratio | 28.9666% | 572 |
| Total risk-based capital ratio | 30.2304% | 562 |
| Memoranda: | ||
| Average total assets | $32,121,000 | 6,893 |
| Average earning assets | $27,464,500 | 6,921 |
| Average equity | $4,460,000 | 6,592 |
| Average total loans | $10,803,000 | 7,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 5,642 |
| Cost of funding earning assets | 0.6840% | 5,637 |
| Net interest margin | 3.6528% | 4,504 |
| Noninterest income to average assets | 0.4912% | 3,914 |
| Noninterest expense to average assets | 2.9739% | 3,691 |
| Loan and lease loss provision to assets | 0.8116% | 1,204 |
| Net operating income to assets | 0.0958% | 5,872 |
| Return on assets (ROA) | 0.0958% | 5,989 |
| Pretax return on assets | -0.2396% | 6,311 |
| Return on Equity (ROE) | 0.7018% | 6,021 |
| Retained earnings to average equity (ytd only) | -5.2632% | 6,466 |
| Net charge-offs to loans | 0.2782% | 4,033 |
| Credit loss provision to net charge-offs | 1,129.1667% | 193 |
| Earnings coverage of net charge-offs (x) | 7.9583% | 2,233 |
| Efficiency ratio | 83.8682% | 1,776 |
| Assets per employee ($millions) | 2.9865% | 6,115 |
| Cash dividends to net income (ytd only)* | 850.0000% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2126% | 673 |
| Loan loss allowance to noncurrent loans | 868.4211% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,669 |
| Noncurrent loans to loans | 0.3699% | 5,983 |
| Net loans and leases to total assets | 30.2630% | 6,999 |
| Net loans and leases to deposits | 35.6025% | 7,012 |
| Net loans and leases to core deposits | 35.6025% | 7,045 |
| Total domestic deposits to total assets | 85.0024% | 3,845 |
| Equity capital to assets | 13.7282% | 1,160 |
| Core capital (leverage) ratio | 11.4310% | 1,940 |
| Tier 1 risk-based capital ratio | 23.3987% | 1,048 |
| Total risk-based capital ratio | 24.6597% | 1,024 |
| Memoranda: | ||
| Average total assets | $33,390,200 | 6,879 |
| Average earning assets | $27,923,800 | 6,924 |
| Average equity | $4,560,000 | 6,573 |
| Average total loans | $8,627,000 | 7,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 5,712 |
| Cost of funding earning assets | 0.7401% | 5,524 |
| Net interest margin | 3.6287% | 4,660 |
| Noninterest income to average assets | 0.5210% | 3,715 |
| Noninterest expense to average assets | 2.8794% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6403% | 3,921 |
| Return on assets (ROA) | 0.6403% | 4,105 |
| Pretax return on assets | 0.6642% | 4,598 |
| Return on Equity (ROE) | 4.6946% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.6946% | 3,382 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2570% | 2,083 |
| Assets per employee ($millions) | 3.1882% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,323 |
| Loan loss allowance to noncurrent loans | 115.2778% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 6,548 |
| Noncurrent loans to loans | 0.8579% | 5,148 |
| Net loans and leases to total assets | 23.6955% | 7,237 |
| Net loans and leases to deposits | 27.8840% | 7,244 |
| Net loans and leases to core deposits | 28.3598% | 7,254 |
| Total domestic deposits to total assets | 84.9786% | 3,773 |
| Equity capital to assets | 13.8808% | 1,207 |
| Core capital (leverage) ratio | 12.0757% | 1,667 |
| Tier 1 risk-based capital ratio | 35.2353% | 346 |
| Total risk-based capital ratio | 35.9043% | 357 |
| Memoranda: | ||
| Average total assets | $33,524,750 | 6,938 |
| Average earning assets | $27,924,750 | 6,995 |
| Average equity | $4,572,500 | 6,619 |
| Average total loans | $8,215,750 | 7,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 5,677 |
| Cost of funding earning assets | 0.7533% | 5,648 |
| Net interest margin | 3.6517% | 4,517 |
| Noninterest income to average assets | 0.5514% | 3,468 |
| Noninterest expense to average assets | 2.8113% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7876% | 3,128 |
| Return on assets (ROA) | 0.7876% | 3,255 |
| Pretax return on assets | 0.8240% | 3,935 |
| Return on Equity (ROE) | 5.8114% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.8114% | 2,535 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3333% | 2,805 |
| Assets per employee ($millions) | 3.3077% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 6,055 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,504 |
| Noncurrent loans to loans | 1.0740% | 4,871 |
| Net loans and leases to total assets | 23.1127% | 7,327 |
| Net loans and leases to deposits | 27.1735% | 7,340 |
| Net loans and leases to core deposits | 27.6652% | 7,349 |
| Total domestic deposits to total assets | 85.0561% | 3,852 |
| Equity capital to assets | 14.0581% | 1,081 |
| Core capital (leverage) ratio | 13.2130% | 1,083 |
| Tier 1 risk-based capital ratio | 37.9724% | 278 |
| Total risk-based capital ratio | 38.6984% | 283 |
| Memoranda: | ||
| Average total assets | $33,009,670 | 7,018 |
| Average earning assets | $27,877,670 | 7,063 |
| Average equity | $4,474,000 | 6,686 |
| Average total loans | $8,156,670 | 7,317 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 5,631 |
| Cost of funding earning assets | 0.7721% | 5,740 |
| Net interest margin | 3.6460% | 4,347 |
| Noninterest income to average assets | 0.5701% | 3,367 |
| Noninterest expense to average assets | 2.7778% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8127% | 2,962 |
| Return on assets (ROA) | 0.8127% | 3,026 |
| Pretax return on assets | 0.8855% | 3,559 |
| Return on Equity (ROE) | 6.1104% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.1104% | 2,567 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8278% | 3,185 |
| Assets per employee ($millions) | 2.7042% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,529 |
| Loan loss allowance to noncurrent loans | 127.6923% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 6,657 |
| Noncurrent loans to loans | 0.7476% | 5,524 |
| Net loans and leases to total assets | 26.5393% | 7,331 |
| Net loans and leases to deposits | 30.9784% | 7,343 |
| Net loans and leases to core deposits | 31.5458% | 7,361 |
| Total domestic deposits to total assets | 85.6703% | 3,704 |
| Equity capital to assets | 13.7350% | 1,091 |
| Core capital (leverage) ratio | 13.0300% | 1,112 |
| Tier 1 risk-based capital ratio | 31.3017% | 464 |
| Total risk-based capital ratio | 31.9090% | 481 |
| Memoranda: | ||
| Average total assets | $32,976,000 | 7,073 |
| Average earning assets | $27,976,000 | 7,102 |
| Average equity | $4,386,000 | 6,754 |
| Average total loans | $8,371,000 | 7,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 6,010 |
| Cost of funding earning assets | 0.7921% | 6,602 |
| Net interest margin | 3.8408% | 3,775 |
| Noninterest income to average assets | 0.3053% | 5,616 |
| Noninterest expense to average assets | 2.7570% | 4,754 |
| Loan and lease loss provision to assets | 0.0958% | 6,188 |
| Net operating income to assets | 0.7912% | 2,843 |
| Return on assets (ROA) | 0.8142% | 2,870 |
| Pretax return on assets | 0.8442% | 3,484 |
| Return on Equity (ROE) | 6.3865% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.3865% | 1,627 |
| Net charge-offs to loans | 0.2484% | 4,803 |
| Credit loss provision to net charge-offs | 152.3810% | 2,354 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 1,332 |
| Efficiency ratio | 75.0611% | 3,199 |
| Assets per employee ($millions) | 3.3502% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,232 |
| Loan loss allowance to noncurrent loans | 169.3878% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 6,864 |
| Noncurrent loans to loans | 0.6089% | 5,826 |
| Net loans and leases to total assets | 23.7717% | 7,476 |
| Net loans and leases to deposits | 27.4129% | 7,494 |
| Net loans and leases to core deposits | 27.8930% | 7,495 |
| Total domestic deposits to total assets | 86.7172% | 2,967 |
| Equity capital to assets | 12.8798% | 1,447 |
| Core capital (leverage) ratio | 12.3951% | 1,354 |
| Tier 1 risk-based capital ratio | 35.6261% | 330 |
| Total risk-based capital ratio | 36.3283% | 342 |
| Memoranda: | ||
| Average total assets | $33,406,200 | 7,101 |
| Average earning assets | $29,291,000 | 7,119 |
| Average equity | $4,259,000 | 6,899 |
| Average total loans | $8,453,400 | 7,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 6,231 |
| Cost of funding earning assets | 0.7894% | 6,793 |
| Net interest margin | 3.8481% | 3,760 |
| Noninterest income to average assets | 0.3874% | 5,059 |
| Noninterest expense to average assets | 2.7519% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8958% | 2,627 |
| Return on assets (ROA) | 0.9226% | 2,664 |
| Pretax return on assets | 1.0944% | 2,842 |
| Return on Equity (ROE) | 7.2554% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.2554% | 1,723 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1466% | 3,663 |
| Assets per employee ($millions) | 3.3282% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 7,035 |
| Loan loss allowance to noncurrent loans | 52.5547% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 6,392 |
| Noncurrent loans to loans | 1.4953% | 4,395 |
| Net loans and leases to total assets | 27.3121% | 7,519 |
| Net loans and leases to deposits | 31.9699% | 7,540 |
| Net loans and leases to core deposits | 32.5422% | 7,552 |
| Total domestic deposits to total assets | 85.4306% | 3,395 |
| Equity capital to assets | 13.5629% | 1,325 |
| Core capital (leverage) ratio | 12.6628% | 1,355 |
| Tier 1 risk-based capital ratio | 32.7473% | 412 |
| Total risk-based capital ratio | 33.3124% | 426 |
| Memoranda: | ||
| Average total assets | $33,382,250 | 7,189 |
| Average earning assets | $29,728,000 | 7,185 |
| Average equity | $4,245,000 | 6,995 |
| Average total loans | $8,555,000 | 7,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 6,518 |
| Cost of funding earning assets | 0.8055% | 6,899 |
| Net interest margin | 3.7747% | 4,024 |
| Noninterest income to average assets | 0.3771% | 5,107 |
| Noninterest expense to average assets | 2.7891% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8331% | 2,811 |
| Return on assets (ROA) | 0.8738% | 2,775 |
| Pretax return on assets | 1.0295% | 3,009 |
| Return on Equity (ROE) | 7.0271% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.0271% | 1,818 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9683% | 3,477 |
| Assets per employee ($millions) | 3.3019% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 6,891 |
| Loan loss allowance to noncurrent loans | 38.5027% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,061 |
| Noncurrent loans to loans | 2.2167% | 3,464 |
| Net loans and leases to total assets | 25.3309% | 7,619 |
| Net loans and leases to deposits | 29.2683% | 7,648 |
| Net loans and leases to core deposits | 29.7895% | 7,660 |
| Total domestic deposits to total assets | 86.5471% | 2,793 |
| Equity capital to assets | 12.8441% | 1,633 |
| Core capital (leverage) ratio | 12.1912% | 1,545 |
| Tier 1 risk-based capital ratio | 32.5993% | 406 |
| Total risk-based capital ratio | 33.1738% | 418 |
| Memoranda: | ||
| Average total assets | $33,415,670 | 7,235 |
| Average earning assets | $30,042,330 | 7,227 |
| Average equity | $4,155,330 | 7,057 |
| Average total loans | $8,352,670 | 7,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 6,666 |
| Cost of funding earning assets | 0.8318% | 6,992 |
| Net interest margin | 3.7233% | 4,135 |
| Noninterest income to average assets | 0.4046% | 4,882 |
| Noninterest expense to average assets | 2.7370% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8563% | 2,725 |
| Return on assets (ROA) | 0.9163% | 2,550 |
| Pretax return on assets | 1.0948% | 2,747 |
| Return on Equity (ROE) | 7.4894% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.4894% | 1,931 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7848% | 3,800 |
| Assets per employee ($millions) | 3.3567% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 7,040 |
| Loan loss allowance to noncurrent loans | 87.8049% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,852 |
| Noncurrent loans to loans | 0.9508% | 5,435 |
| Net loans and leases to total assets | 25.4774% | 7,712 |
| Net loans and leases to deposits | 29.2666% | 7,739 |
| Net loans and leases to core deposits | 29.7761% | 7,749 |
| Total domestic deposits to total assets | 87.0528% | 2,604 |
| Equity capital to assets | 12.3931% | 1,814 |
| Core capital (leverage) ratio | 11.9175% | 1,683 |
| Tier 1 risk-based capital ratio | 29.3885% | 559 |
| Total risk-based capital ratio | 29.9152% | 585 |
| Memoranda: | ||
| Average total assets | $33,614,000 | 7,323 |
| Average earning assets | $30,296,000 | 7,308 |
| Average equity | $4,112,500 | 7,136 |
| Average total loans | $8,311,000 | 7,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 6,939 |
| Cost of funding earning assets | 1.1048% | 6,959 |
| Net interest margin | 3.7014% | 4,141 |
| Noninterest income to average assets | 0.3717% | 5,429 |
| Noninterest expense to average assets | 2.7124% | 5,330 |
| Loan and lease loss provision to assets | 0.1103% | 6,542 |
| Net operating income to assets | 0.7563% | 2,691 |
| Return on assets (ROA) | 0.7813% | 2,692 |
| Pretax return on assets | 0.8915% | 2,950 |
| Return on Equity (ROE) | 5.9921% | 3,211 |
| Retained earnings to average equity (ytd only) | -0.6524% | 5,158 |
| Net charge-offs to loans | 0.0284% | 6,848 |
| Credit loss provision to net charge-offs | 1,750.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 190 |
| Efficiency ratio | 73.5897% | 3,977 |
| Assets per employee ($millions) | 3.3661% | 5,330 |
| Cash dividends to net income (ytd only)* | 110.8871% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,808 |
| Loan loss allowance to noncurrent loans | 73.4694% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,719 |
| Noncurrent loans to loans | 1.2253% | 4,900 |
| Net loans and leases to total assets | 23.5465% | 7,817 |
| Net loans and leases to deposits | 26.9317% | 7,854 |
| Net loans and leases to core deposits | 32.7291% | 7,849 |
| Total domestic deposits to total assets | 87.4306% | 2,253 |
| Equity capital to assets | 12.0763% | 1,992 |
| Core capital (leverage) ratio | 11.6060% | 1,862 |
| Tier 1 risk-based capital ratio | 32.2290% | 438 |
| Total risk-based capital ratio | 32.8180% | 449 |
| Memoranda: | ||
| Average total assets | $31,742,600 | 7,415 |
| Average earning assets | $28,421,600 | 7,417 |
| Average equity | $4,138,800 | 7,237 |
| Average total loans | $7,050,200 | 7,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 6,977 |
| Cost of funding earning assets | 1.1493% | 7,042 |
| Net interest margin | 3.7139% | 4,012 |
| Noninterest income to average assets | 0.3923% | 5,362 |
| Noninterest expense to average assets | 2.6143% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8408% | 2,652 |
| Return on assets (ROA) | 0.8700% | 2,608 |
| Pretax return on assets | 1.1515% | 2,408 |
| Return on Equity (ROE) | 6.5425% | 3,283 |
| Retained earnings to average equity (ytd only) | 6.5425% | 1,689 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1373% | 4,561 |
| Assets per employee ($millions) | 3.3099% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 7,652 |
| Loan loss allowance to noncurrent loans | 51.3158% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 6,941 |
| Noncurrent loans to loans | 1.0588% | 5,201 |
| Net loans and leases to total assets | 21.5686% | 7,939 |
| Net loans and leases to deposits | 25.1046% | 7,956 |
| Net loans and leases to core deposits | 30.5791% | 7,949 |
| Total domestic deposits to total assets | 85.9150% | 2,737 |
| Equity capital to assets | 13.1484% | 1,642 |
| Core capital (leverage) ratio | 12.8563% | 1,427 |
| Tier 1 risk-based capital ratio | 36.5356% | 347 |
| Total risk-based capital ratio | 36.8771% | 360 |
| Memoranda: | ||
| Average total assets | $31,263,000 | 7,492 |
| Average earning assets | $28,074,250 | 7,492 |
| Average equity | $4,157,250 | 7,299 |
| Average total loans | $6,813,250 | 7,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 7,059 |
| Cost of funding earning assets | 1.1518% | 7,239 |
| Net interest margin | 3.7362% | 3,806 |
| Noninterest income to average assets | 0.3915% | 5,365 |
| Noninterest expense to average assets | 2.6361% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8613% | 2,607 |
| Return on assets (ROA) | 0.8613% | 2,710 |
| Pretax return on assets | 1.1419% | 2,495 |
| Return on Equity (ROE) | 6.4511% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.4511% | 1,822 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7755% | 4,830 |
| Assets per employee ($millions) | 3.1197% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 7,700 |
| Loan loss allowance to noncurrent loans | 102.6316% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 7,259 |
| Noncurrent loans to loans | 0.5512% | 6,166 |
| Net loans and leases to total assets | 21.9733% | 8,014 |
| Net loans and leases to deposits | 25.4937% | 8,031 |
| Net loans and leases to core deposits | 31.1209% | 8,027 |
| Total domestic deposits to total assets | 86.1910% | 2,683 |
| Equity capital to assets | 13.2192% | 1,593 |
| Core capital (leverage) ratio | 13.2521% | 1,345 |
| Tier 1 risk-based capital ratio | 37.3247% | 364 |
| Total risk-based capital ratio | 37.6798% | 378 |
| Memoranda: | ||
| Average total assets | $30,651,000 | 7,579 |
| Average earning assets | $27,782,330 | 7,569 |
| Average equity | $4,092,330 | 7,380 |
| Average total loans | $6,691,670 | 8,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 7,264 |
| Cost of funding earning assets | 1.2404% | 7,202 |
| Net interest margin | 3.6203% | 4,240 |
| Noninterest income to average assets | 0.4214% | 5,037 |
| Noninterest expense to average assets | 2.6598% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8032% | 3,113 |
| Return on assets (ROA) | 0.8032% | 3,270 |
| Pretax return on assets | 1.0666% | 3,119 |
| Return on Equity (ROE) | 5.9855% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.9855% | 2,633 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3781% | 4,295 |
| Assets per employee ($millions) | 3.1018% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 7,703 |
| Loan loss allowance to noncurrent loans | 205.2632% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 7,417 |
| Noncurrent loans to loans | 0.2822% | 6,730 |
| Net loans and leases to total assets | 21.5778% | 8,069 |
| Net loans and leases to deposits | 25.0571% | 8,088 |
| Net loans and leases to core deposits | 30.6190% | 8,079 |
| Total domestic deposits to total assets | 86.1145% | 2,650 |
| Equity capital to assets | 13.2600% | 1,635 |
| Core capital (leverage) ratio | 13.3278% | 1,378 |
| Tier 1 risk-based capital ratio | 37.1953% | 375 |
| Total risk-based capital ratio | 37.5554% | 389 |
| Memoranda: | ||
| Average total assets | $30,378,000 | 7,636 |
| Average earning assets | $27,732,500 | 7,622 |
| Average equity | $4,076,500 | 7,429 |
| Average total loans | $6,590,500 | 8,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 7,714 |
| Cost of funding earning assets | 1.6072% | 7,434 |
| Net interest margin | 3.5539% | 5,079 |
| Noninterest income to average assets | 0.4846% | 4,757 |
| Noninterest expense to average assets | 2.6462% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7635% | 3,601 |
| Return on assets (ROA) | 0.7635% | 3,445 |
| Pretax return on assets | 1.1226% | 2,943 |
| Return on Equity (ROE) | 5.3506% | 4,215 |
| Retained earnings to average equity (ytd only) | -1.3682% | 5,698 |
| Net charge-offs to loans | 0.0312% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 288 |
| Efficiency ratio | 70.2128% | 4,311 |
| Assets per employee ($millions) | 2.9738% | 6,117 |
| Cash dividends to net income (ytd only)* | 125.5708% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 7,673 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 7,244 |
| Noncurrent loans to loans | 0.3722% | 6,239 |
| Net loans and leases to total assets | 21.5549% | 8,132 |
| Net loans and leases to deposits | 25.0959% | 8,165 |
| Net loans and leases to core deposits | 30.4426% | 8,150 |
| Total domestic deposits to total assets | 85.8901% | 2,457 |
| Equity capital to assets | 13.5853% | 1,574 |
| Core capital (leverage) ratio | 13.1326% | 1,507 |
| Tier 1 risk-based capital ratio | 37.5260% | 379 |
| Total risk-based capital ratio | 37.8948% | 394 |
| Memoranda: | ||
| Average total assets | $28,683,000 | 7,695 |
| Average earning assets | $26,505,800 | 7,675 |
| Average equity | $4,093,000 | 7,477 |
| Average total loans | $6,416,000 | 8,107 |