Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 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 | 4.0796% | 3,808 |
| Cost of funding earning assets | 0.5177% | 3,900 |
| Net interest margin | 3.5619% | 3,423 |
| Noninterest income to average assets | 0.3056% | 5,250 |
| Noninterest expense to average assets | 3.5628% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2794% | 6,563 |
| Return on assets (ROA) | -0.2794% | 6,599 |
| Pretax return on assets | -0.2532% | 6,572 |
| Return on Equity (ROE) | -2.7010% | 6,596 |
| Retained earnings to average equity (ytd only) | -2.7010% | 6,161 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6517% | 363 |
| Assets per employee ($millions) | 3.3602% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7444% | 867 |
| Loan loss allowance to noncurrent loans | 810.8108% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 6,065 |
| Noncurrent loans to loans | 0.3385% | 5,559 |
| Net loans and leases to total assets | 48.6768% | 5,158 |
| Net loans and leases to deposits | 54.8058% | 5,373 |
| Net loans and leases to core deposits | 61.4769% | 5,004 |
| Total domestic deposits to total assets | 88.8169% | 1,786 |
| Equity capital to assets | 10.7756% | 3,225 |
| Core capital (leverage) ratio | 9.6846% | 3,817 |
| Tier 1 risk-based capital ratio | 16.7754% | 2,872 |
| Total risk-based capital ratio | 18.0387% | 2,832 |
| Memoranda: | ||
| Average total assets | $45,807,000 | 6,293 |
| Average earning assets | $38,631,000 | 6,377 |
| Average equity | $4,739,000 | 6,323 |
| Average total loans | $21,294,500 | 6,299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 2,353 |
| Cost of funding earning assets | 0.6788% | 3,659 |
| Net interest margin | 4.0833% | 2,072 |
| Noninterest income to average assets | 0.3518% | 4,948 |
| Noninterest expense to average assets | 3.2221% | 2,543 |
| Loan and lease loss provision to assets | -0.3194% | 7,017 |
| Net operating income to assets | 0.9884% | 2,388 |
| Return on assets (ROA) | 0.9884% | 2,611 |
| Pretax return on assets | 1.0555% | 3,339 |
| Return on Equity (ROE) | 9.3505% | 2,463 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,041 |
| Net charge-offs to loans | -0.4114% | 6,995 |
| Credit loss provision to net charge-offs | 140.8163% | 1,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4035% | 1,958 |
| Assets per employee ($millions) | 3.6871% | 4,588 |
| Cash dividends to net income (ytd only)* | 35.1288% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8949% | 740 |
| Loan loss allowance to noncurrent loans | 3,157.8947% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 6,550 |
| Noncurrent loans to loans | 0.0917% | 6,257 |
| Net loans and leases to total assets | 41.9887% | 6,010 |
| Net loans and leases to deposits | 46.8897% | 6,183 |
| Net loans and leases to core deposits | 52.4388% | 5,987 |
| Total domestic deposits to total assets | 89.5477% | 1,219 |
| Equity capital to assets | 9.9537% | 4,231 |
| Core capital (leverage) ratio | 9.6724% | 3,857 |
| Tier 1 risk-based capital ratio | 16.9858% | 2,661 |
| Total risk-based capital ratio | 18.2484% | 2,621 |
| Memoranda: | ||
| Average total assets | $43,201,800 | 6,390 |
| Average earning assets | $38,155,200 | 6,422 |
| Average equity | $4,566,600 | 6,427 |
| Average total loans | $23,823,600 | 6,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 1,641 |
| Cost of funding earning assets | 0.7270% | 3,542 |
| Net interest margin | 4.2936% | 1,486 |
| Noninterest income to average assets | 0.3585% | 4,957 |
| Noninterest expense to average assets | 3.1921% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9075% | 2,948 |
| Return on assets (ROA) | 0.9075% | 3,180 |
| Pretax return on assets | 0.9519% | 3,906 |
| Return on Equity (ROE) | 8.4447% | 3,067 |
| Retained earnings to average equity (ytd only) | 4.0157% | 4,063 |
| Net charge-offs to loans | -0.1626% | 6,954 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0291% | 2,520 |
| Assets per employee ($millions) | 3.2874% | 5,464 |
| Cash dividends to net income (ytd only)* | 52.4494% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7078% | 972 |
| Loan loss allowance to noncurrent loans | 500.0000% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 5,912 |
| Noncurrent loans to loans | 0.5416% | 5,359 |
| Net loans and leases to total assets | 56.3296% | 4,395 |
| Net loans and leases to deposits | 63.5658% | 4,770 |
| Net loans and leases to core deposits | 72.9817% | 4,121 |
| Total domestic deposits to total assets | 88.6162% | 1,647 |
| Equity capital to assets | 10.9556% | 3,321 |
| Core capital (leverage) ratio | 10.6486% | 2,759 |
| Tier 1 risk-based capital ratio | 14.9347% | 3,895 |
| Total risk-based capital ratio | 16.1986% | 3,840 |
| Memoranda: | ||
| Average total assets | $42,019,250 | 6,501 |
| Average earning assets | $37,046,500 | 6,547 |
| Average equity | $4,515,500 | 6,508 |
| Average total loans | $24,598,000 | 6,304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 1,580 |
| Cost of funding earning assets | 0.7876% | 3,298 |
| Net interest margin | 4.2882% | 1,502 |
| Noninterest income to average assets | 0.3494% | 5,044 |
| Noninterest expense to average assets | 3.2312% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8281% | 3,257 |
| Return on assets (ROA) | 0.8281% | 3,521 |
| Pretax return on assets | 0.8712% | 4,193 |
| Return on Equity (ROE) | 7.7578% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.3946% | 3,689 |
| Net charge-offs to loans | -0.1955% | 6,993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7631% | 2,354 |
| Assets per employee ($millions) | 3.0495% | 5,960 |
| Cash dividends to net income (ytd only)* | 43.3526% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6368% | 1,108 |
| Loan loss allowance to noncurrent loans | 488.2353% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 5,906 |
| Noncurrent loans to loans | 0.5401% | 5,437 |
| Net loans and leases to total assets | 61.8470% | 3,470 |
| Net loans and leases to deposits | 70.2965% | 3,853 |
| Net loans and leases to core deposits | 81.6831% | 2,995 |
| Total domestic deposits to total assets | 87.9802% | 2,155 |
| Equity capital to assets | 11.5758% | 2,518 |
| Core capital (leverage) ratio | 10.6508% | 2,662 |
| Tier 1 risk-based capital ratio | 15.0486% | 3,741 |
| Total risk-based capital ratio | 16.3123% | 3,686 |
| Memoranda: | ||
| Average total assets | $41,780,330 | 6,559 |
| Average earning assets | $36,565,330 | 6,603 |
| Average equity | $4,460,000 | 6,555 |
| Average total loans | $24,549,670 | 6,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 2,144 |
| Cost of funding earning assets | 0.8409% | 3,140 |
| Net interest margin | 4.0876% | 2,151 |
| Noninterest income to average assets | 0.3361% | 5,171 |
| Noninterest expense to average assets | 3.1739% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7001% | 3,879 |
| Return on assets (ROA) | 0.7001% | 4,096 |
| Pretax return on assets | 0.7468% | 4,620 |
| Return on Equity (ROE) | 6.8252% | 3,878 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | -0.3796% | 7,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,085 |
| Assets per employee ($millions) | 3.1474% | 5,871 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6923% | 1,124 |
| Loan loss allowance to noncurrent loans | 483.9416% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,044 |
| Noncurrent loans to loans | 0.5563% | 5,551 |
| Net loans and leases to total assets | 58.5663% | 3,950 |
| Net loans and leases to deposits | 66.0921% | 4,364 |
| Net loans and leases to core deposits | 77.1407% | 3,450 |
| Total domestic deposits to total assets | 88.6133% | 1,948 |
| Equity capital to assets | 10.8148% | 3,123 |
| Core capital (leverage) ratio | 9.8278% | 3,600 |
| Tier 1 risk-based capital ratio | 14.7181% | 3,945 |
| Total risk-based capital ratio | 15.9831% | 3,893 |
| Memoranda: | ||
| Average total assets | $42,849,000 | 6,570 |
| Average earning assets | $37,577,500 | 6,621 |
| Average equity | $4,395,500 | 6,609 |
| Average total loans | $24,233,500 | 6,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 924 |
| Cost of funding earning assets | 1.1001% | 2,675 |
| Net interest margin | 4.5159% | 1,098 |
| Noninterest income to average assets | 0.3586% | 4,947 |
| Noninterest expense to average assets | 3.2514% | 2,687 |
| Loan and lease loss provision to assets | 0.0950% | 5,411 |
| Net operating income to assets | 0.9690% | 2,325 |
| Return on assets (ROA) | 0.9690% | 2,459 |
| Pretax return on assets | 0.9999% | 3,248 |
| Return on Equity (ROE) | 10.0805% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.0805% | 546 |
| Net charge-offs to loans | 0.2421% | 4,265 |
| Credit loss provision to net charge-offs | 65.5738% | 5,005 |
| Earnings coverage of net charge-offs (x) | 7.5574% | 2,320 |
| Efficiency ratio | 74.8087% | 3,085 |
| Assets per employee ($millions) | 3.1987% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 1,088 |
| Loan loss allowance to noncurrent loans | 500.0000% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 6,248 |
| Noncurrent loans to loans | 0.5369% | 5,641 |
| Net loans and leases to total assets | 51.8088% | 5,340 |
| Net loans and leases to deposits | 57.6680% | 5,733 |
| Net loans and leases to core deposits | 66.2053% | 5,232 |
| Total domestic deposits to total assets | 89.8397% | 1,078 |
| Equity capital to assets | 9.7495% | 4,515 |
| Core capital (leverage) ratio | 9.4738% | 4,070 |
| Tier 1 risk-based capital ratio | 14.6330% | 3,876 |
| Total risk-based capital ratio | 15.8942% | 3,846 |
| Memoranda: | ||
| Average total assets | $42,105,000 | 6,595 |
| Average earning assets | $37,180,000 | 6,633 |
| Average equity | $4,047,400 | 6,738 |
| Average total loans | $25,195,200 | 6,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 717 |
| Cost of funding earning assets | 1.1723% | 2,496 |
| Net interest margin | 4.6126% | 923 |
| Noninterest income to average assets | 0.3990% | 4,677 |
| Noninterest expense to average assets | 3.3272% | 2,414 |
| Loan and lease loss provision to assets | 0.1287% | 4,821 |
| Net operating income to assets | 0.9685% | 2,439 |
| Return on assets (ROA) | 0.9685% | 2,610 |
| Pretax return on assets | 1.0071% | 3,371 |
| Return on Equity (ROE) | 10.1145% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.1145% | 818 |
| Net charge-offs to loans | -0.1619% | 7,237 |
| Credit loss provision to net charge-offs | -129.0323% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5494% | 3,078 |
| Assets per employee ($millions) | 2.9738% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8132% | 1,023 |
| Loan loss allowance to noncurrent loans | 114.0187% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.7246% | 3,511 |
| Noncurrent loans to loans | 2.4673% | 2,808 |
| Net loans and leases to total assets | 60.7403% | 3,997 |
| Net loans and leases to deposits | 70.0557% | 4,296 |
| Net loans and leases to core deposits | 81.1423% | 3,463 |
| Total domestic deposits to total assets | 86.7029% | 2,822 |
| Equity capital to assets | 10.3524% | 3,893 |
| Core capital (leverage) ratio | 10.1837% | 3,211 |
| Tier 1 risk-based capital ratio | 13.5730% | 4,681 |
| Total risk-based capital ratio | 14.8369% | 4,637 |
| Memoranda: | ||
| Average total assets | $41,435,750 | 6,673 |
| Average earning assets | $36,507,500 | 6,717 |
| Average equity | $3,967,750 | 6,810 |
| Average total loans | $25,533,750 | 6,449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 1,148 |
| Cost of funding earning assets | 1.2050% | 2,543 |
| Net interest margin | 4.3551% | 1,500 |
| Noninterest income to average assets | 0.3916% | 4,745 |
| Noninterest expense to average assets | 3.2826% | 2,626 |
| Loan and lease loss provision to assets | 0.1934% | 3,992 |
| Net operating income to assets | 0.7638% | 3,229 |
| Return on assets (ROA) | 0.7638% | 3,358 |
| Pretax return on assets | 0.8122% | 3,980 |
| Return on Equity (ROE) | 8.2000% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.2000% | 1,383 |
| Net charge-offs to loans | -0.1655% | 7,268 |
| Credit loss provision to net charge-offs | -190.4762% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5502% | 2,928 |
| Assets per employee ($millions) | 2.7231% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 1,190 |
| Loan loss allowance to noncurrent loans | 108.7481% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 3,494 |
| Noncurrent loans to loans | 2.4711% | 2,917 |
| Net loans and leases to total assets | 63.9206% | 3,478 |
| Net loans and leases to deposits | 71.4434% | 4,212 |
| Net loans and leases to core deposits | 82.4955% | 3,432 |
| Total domestic deposits to total assets | 89.4702% | 1,258 |
| Equity capital to assets | 9.9765% | 4,183 |
| Core capital (leverage) ratio | 9.6432% | 3,744 |
| Tier 1 risk-based capital ratio | 12.9861% | 4,924 |
| Total risk-based capital ratio | 14.2493% | 4,897 |
| Memoranda: | ||
| Average total assets | $41,370,000 | 6,735 |
| Average earning assets | $37,013,670 | 6,764 |
| Average equity | $3,853,670 | 6,885 |
| Average total loans | $25,371,670 | 6,522 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 2,032 |
| Cost of funding earning assets | 1.2288% | 2,638 |
| Net interest margin | 4.0253% | 2,585 |
| Noninterest income to average assets | 0.4035% | 4,672 |
| Noninterest expense to average assets | 3.2091% | 2,869 |
| Loan and lease loss provision to assets | 0.3843% | 2,256 |
| Net operating income to assets | 0.4131% | 4,890 |
| Return on assets (ROA) | 0.4131% | 4,982 |
| Pretax return on assets | 0.4612% | 5,145 |
| Return on Equity (ROE) | 4.5952% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.5952% | 3,425 |
| Net charge-offs to loans | -0.2110% | 7,267 |
| Credit loss provision to net charge-offs | -307.6923% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1469% | 2,671 |
| Assets per employee ($millions) | 2.7221% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 1,098 |
| Loan loss allowance to noncurrent loans | 70.6931% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.6597% | 2,585 |
| Noncurrent loans to loans | 3.9778% | 1,831 |
| Net loans and leases to total assets | 60.4354% | 4,182 |
| Net loans and leases to deposits | 66.9552% | 4,832 |
| Net loans and leases to core deposits | 78.5092% | 3,950 |
| Total domestic deposits to total assets | 90.2625% | 981 |
| Equity capital to assets | 9.2599% | 4,799 |
| Core capital (leverage) ratio | 9.0758% | 4,488 |
| Tier 1 risk-based capital ratio | 13.1332% | 4,721 |
| Total risk-based capital ratio | 14.3980% | 4,692 |
| Memoranda: | ||
| Average total assets | $41,632,000 | 6,773 |
| Average earning assets | $37,761,500 | 6,773 |
| Average equity | $3,743,000 | 6,947 |
| Average total loans | $24,642,500 | 6,605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5429% | 302 |
| Cost of funding earning assets | 1.5656% | 2,270 |
| Net interest margin | 4.9773% | 455 |
| Noninterest income to average assets | 0.3687% | 5,158 |
| Noninterest expense to average assets | 3.4570% | 2,291 |
| Loan and lease loss provision to assets | 1.2976% | 1,186 |
| Net operating income to assets | -0.0079% | 5,849 |
| Return on assets (ROA) | 0.2011% | 5,435 |
| Pretax return on assets | 0.2226% | 5,436 |
| Return on Equity (ROE) | 2.2288% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.2288% | 4,323 |
| Net charge-offs to loans | 1.3501% | 1,655 |
| Credit loss provision to net charge-offs | 147.2826% | 2,489 |
| Earnings coverage of net charge-offs (x) | 1.4620% | 4,659 |
| Efficiency ratio | 72.8557% | 3,630 |
| Assets per employee ($millions) | 2.8288% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 1,095 |
| Loan loss allowance to noncurrent loans | 74.3532% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.2742% | 2,998 |
| Noncurrent loans to loans | 3.7206% | 1,995 |
| Net loans and leases to total assets | 54.7535% | 5,532 |
| Net loans and leases to deposits | 60.3909% | 6,015 |
| Net loans and leases to core deposits | 73.7907% | 4,999 |
| Total domestic deposits to total assets | 90.6651% | 761 |
| Equity capital to assets | 8.7316% | 5,537 |
| Core capital (leverage) ratio | 8.7175% | 4,987 |
| Tier 1 risk-based capital ratio | 13.2371% | 4,424 |
| Total risk-based capital ratio | 14.4979% | 4,364 |
| Memoranda: | ||
| Average total assets | $41,769,800 | 6,803 |
| Average earning assets | $36,727,000 | 6,852 |
| Average equity | $3,768,800 | 7,067 |
| Average total loans | $27,256,600 | 6,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4717% | 361 |
| Cost of funding earning assets | 1.6280% | 2,230 |
| Net interest margin | 4.8437% | 612 |
| Noninterest income to average assets | 0.3653% | 5,236 |
| Noninterest expense to average assets | 3.3586% | 2,405 |
| Loan and lease loss provision to assets | 1.2723% | 1,110 |
| Net operating income to assets | -0.0641% | 6,133 |
| Return on assets (ROA) | -0.0641% | 6,236 |
| Pretax return on assets | -0.0321% | 6,142 |
| Return on Equity (ROE) | -0.7047% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.7047% | 5,967 |
| Net charge-offs to loans | 1.8032% | 1,074 |
| Credit loss provision to net charge-offs | 104.4737% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.0184% | 5,041 |
| Efficiency ratio | 73.0314% | 3,517 |
| Assets per employee ($millions) | 2.7697% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 2,615 |
| Loan loss allowance to noncurrent loans | 48.7427% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.6717% | 2,701 |
| Noncurrent loans to loans | 3.8048% | 2,024 |
| Net loans and leases to total assets | 64.1987% | 4,085 |
| Net loans and leases to deposits | 71.2165% | 4,967 |
| Net loans and leases to core deposits | 88.8326% | 3,258 |
| Total domestic deposits to total assets | 90.1459% | 808 |
| Equity capital to assets | 9.1850% | 5,331 |
| Core capital (leverage) ratio | 9.1294% | 4,482 |
| Tier 1 risk-based capital ratio | 11.6493% | 5,789 |
| Total risk-based capital ratio | 12.9017% | 5,765 |
| Memoranda: | ||
| Average total assets | $41,604,250 | 6,895 |
| Average earning assets | $36,362,750 | 6,947 |
| Average equity | $3,784,750 | 7,153 |
| Average total loans | $28,097,250 | 6,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4766% | 351 |
| Cost of funding earning assets | 1.6753% | 2,259 |
| Net interest margin | 4.8013% | 663 |
| Noninterest income to average assets | 0.4421% | 4,588 |
| Noninterest expense to average assets | 3.2289% | 2,800 |
| Loan and lease loss provision to assets | 1.6193% | 807 |
| Net operating income to assets | -0.2258% | 6,387 |
| Return on assets (ROA) | -0.2258% | 6,431 |
| Pretax return on assets | -0.1922% | 6,328 |
| Return on Equity (ROE) | -2.4905% | 6,467 |
| Retained earnings to average equity (ytd only) | -2.4905% | 6,228 |
| Net charge-offs to loans | 1.5631% | 1,215 |
| Credit loss provision to net charge-offs | 151.8018% | 2,586 |
| Earnings coverage of net charge-offs (x) | 1.3378% | 4,489 |
| Efficiency ratio | 69.3498% | 4,305 |
| Assets per employee ($millions) | 2.9128% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 2,018 |
| Loan loss allowance to noncurrent loans | 52.8070% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.3252% | 2,122 |
| Noncurrent loans to loans | 3.9328% | 1,938 |
| Net loans and leases to total assets | 69.6069% | 2,990 |
| Net loans and leases to deposits | 77.3728% | 4,104 |
| Net loans and leases to core deposits | 95.8176% | 2,463 |
| Total domestic deposits to total assets | 89.9630% | 935 |
| Equity capital to assets | 9.3970% | 4,865 |
| Core capital (leverage) ratio | 8.9572% | 4,675 |
| Tier 1 risk-based capital ratio | 11.1657% | 6,078 |
| Total risk-based capital ratio | 12.4213% | 6,061 |
| Memoranda: | ||
| Average total assets | $41,623,670 | 6,942 |
| Average earning assets | $36,531,670 | 6,984 |
| Average equity | $3,774,330 | 7,187 |
| Average total loans | $28,404,330 | 6,609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5386% | 333 |
| Cost of funding earning assets | 1.7133% | 2,322 |
| Net interest margin | 4.8254% | 609 |
| Noninterest income to average assets | 0.4471% | 4,502 |
| Noninterest expense to average assets | 2.9967% | 3,688 |
| Loan and lease loss provision to assets | 1.5697% | 737 |
| Net operating income to assets | 0.0761% | 6,092 |
| Return on assets (ROA) | 0.0761% | 6,202 |
| Pretax return on assets | 0.1142% | 6,097 |
| Return on Equity (ROE) | 0.8544% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.8544% | 5,471 |
| Net charge-offs to loans | 2.8457% | 557 |
| Credit loss provision to net charge-offs | 82.5000% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.8850% | 4,254 |
| Efficiency ratio | 64.0244% | 5,488 |
| Assets per employee ($millions) | 2.9441% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,413 |
| Loan loss allowance to noncurrent loans | 61.8331% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3291% | 3,115 |
| Noncurrent loans to loans | 2.5981% | 3,071 |
| Net loans and leases to total assets | 67.1648% | 3,586 |
| Net loans and leases to deposits | 74.4334% | 4,677 |
| Net loans and leases to core deposits | 92.6103% | 3,023 |
| Total domestic deposits to total assets | 90.2348% | 868 |
| Equity capital to assets | 9.1465% | 5,069 |
| Core capital (leverage) ratio | 8.9158% | 4,707 |
| Tier 1 risk-based capital ratio | 11.4954% | 5,678 |
| Total risk-based capital ratio | 12.7373% | 5,673 |
| Memoranda: | ||
| Average total assets | $42,046,000 | 7,016 |
| Average earning assets | $36,888,500 | 7,061 |
| Average equity | $3,745,500 | 7,270 |
| Average total loans | $28,113,000 | 6,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4405% | 753 |
| Cost of funding earning assets | 1.9381% | 3,258 |
| Net interest margin | 4.5024% | 1,174 |
| Noninterest income to average assets | 0.4512% | 4,797 |
| Noninterest expense to average assets | 2.9987% | 4,149 |
| Loan and lease loss provision to assets | 1.9829% | 1,094 |
| Net operating income to assets | -0.4742% | 6,152 |
| Return on assets (ROA) | 0.1296% | 5,173 |
| Pretax return on assets | 0.1342% | 5,148 |
| Return on Equity (ROE) | 1.5550% | 5,065 |
| Retained earnings to average equity (ytd only) | -0.3887% | 5,059 |
| Net charge-offs to loans | 2.3787% | 965 |
| Credit loss provision to net charge-offs | 123.1322% | 4,288 |
| Earnings coverage of net charge-offs (x) | 0.9282% | 5,187 |
| Efficiency ratio | 66.7353% | 5,241 |
| Assets per employee ($millions) | 3.0624% | 6,061 |
| Cash dividends to net income (ytd only)* | 125.0000% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 2,771 |
| Loan loss allowance to noncurrent loans | 33.8900% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 3.5359% | 1,896 |
| Noncurrent loans to loans | 5.1157% | 1,305 |
| Net loans and leases to total assets | 64.3817% | 4,518 |
| Net loans and leases to deposits | 70.9461% | 5,479 |
| Net loans and leases to core deposits | 106.4192% | 3,288 |
| Total domestic deposits to total assets | 90.7473% | 639 |
| Equity capital to assets | 8.6789% | 5,620 |
| Core capital (leverage) ratio | 8.3166% | 5,583 |
| Tier 1 risk-based capital ratio | 11.4712% | 5,418 |
| Total risk-based capital ratio | 12.7537% | 5,353 |
| Memoranda: | ||
| Average total assets | $43,218,600 | 6,981 |
| Average earning assets | $38,801,600 | 6,989 |
| Average equity | $3,601,400 | 7,414 |
| Average total loans | $29,259,400 | 6,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4536% | 834 |
| Cost of funding earning assets | 1.9826% | 3,456 |
| Net interest margin | 4.4711% | 1,264 |
| Noninterest income to average assets | 0.4403% | 4,964 |
| Noninterest expense to average assets | 2.9373% | 4,285 |
| Loan and lease loss provision to assets | 2.4846% | 668 |
| Net operating income to assets | -0.9945% | 6,824 |
| Return on assets (ROA) | -0.1663% | 6,017 |
| Pretax return on assets | -0.1262% | 5,879 |
| Return on Equity (ROE) | -2.0160% | 6,101 |
| Retained earnings to average equity (ytd only) | -4.6291% | 6,207 |
| Net charge-offs to loans | 2.9778% | 564 |
| Credit loss provision to net charge-offs | 122.2727% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.7530% | 5,290 |
| Efficiency ratio | 65.7478% | 5,414 |
| Assets per employee ($millions) | 3.1249% | 5,844 |
| Cash dividends to net income (ytd only)* | -129.6250% | 8,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,035 |
| Loan loss allowance to noncurrent loans | 41.2380% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.8024% | 2,480 |
| Noncurrent loans to loans | 3.8529% | 1,926 |
| Net loans and leases to total assets | 66.9676% | 4,194 |
| Net loans and leases to deposits | 73.4077% | 5,458 |
| Net loans and leases to core deposits | 107.3189% | 3,556 |
| Total domestic deposits to total assets | 91.2270% | 335 |
| Equity capital to assets | 8.3067% | 6,497 |
| Core capital (leverage) ratio | 7.9521% | 6,445 |
| Tier 1 risk-based capital ratio | 10.4726% | 6,500 |
| Total risk-based capital ratio | 11.7239% | 6,450 |
| Memoranda: | ||
| Average total assets | $43,304,750 | 7,024 |
| Average earning assets | $39,005,500 | 7,032 |
| Average equity | $3,571,500 | 7,487 |
| Average total loans | $29,551,750 | 6,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4091% | 989 |
| Cost of funding earning assets | 2.0127% | 3,711 |
| Net interest margin | 4.3964% | 1,417 |
| Noninterest income to average assets | 0.4264% | 5,072 |
| Noninterest expense to average assets | 2.8871% | 4,548 |
| Loan and lease loss provision to assets | 2.5349% | 612 |
| Net operating income to assets | -1.0381% | 7,015 |
| Return on assets (ROA) | -1.0381% | 7,010 |
| Pretax return on assets | -0.9871% | 6,807 |
| Return on Equity (ROE) | -12.6173% | 7,208 |
| Retained earnings to average equity (ytd only) | -16.5603% | 7,327 |
| Net charge-offs to loans | 3.8129% | 384 |
| Credit loss provision to net charge-offs | 97.3310% | 4,692 |
| Earnings coverage of net charge-offs (x) | 0.5943% | 5,118 |
| Efficiency ratio | 65.0993% | 5,699 |
| Assets per employee ($millions) | 3.2493% | 5,455 |
| Cash dividends to net income (ytd only)* | -31.2500% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,120 |
| Loan loss allowance to noncurrent loans | 24.4689% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 2.9677% | 2,146 |
| Noncurrent loans to loans | 4.1463% | 1,603 |
| Net loans and leases to total assets | 66.7026% | 4,418 |
| Net loans and leases to deposits | 75.6834% | 5,216 |
| Net loans and leases to core deposits | 109.4388% | 3,438 |
| Total domestic deposits to total assets | 88.1337% | 1,701 |
| Equity capital to assets | 7.3643% | 7,374 |
| Core capital (leverage) ratio | 7.4547% | 7,076 |
| Tier 1 risk-based capital ratio | 8.8764% | 7,755 |
| Total risk-based capital ratio | 9.7658% | 7,876 |
| Memoranda: | ||
| Average total assets | $43,157,000 | 7,090 |
| Average earning assets | $39,350,330 | 7,078 |
| Average equity | $3,550,670 | 7,555 |
| Average total loans | $29,479,000 | 6,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5341% | 813 |
| Cost of funding earning assets | 2.0984% | 3,658 |
| Net interest margin | 4.4357% | 1,262 |
| Noninterest income to average assets | 0.3810% | 5,375 |
| Noninterest expense to average assets | 2.7911% | 4,591 |
| Loan and lease loss provision to assets | 1.8766% | 652 |
| Net operating income to assets | -0.3048% | 6,687 |
| Return on assets (ROA) | -0.3048% | 6,762 |
| Pretax return on assets | -0.2191% | 6,591 |
| Return on Equity (ROE) | -3.5059% | 6,840 |
| Retained earnings to average equity (ytd only) | -11.1750% | 7,221 |
| Net charge-offs to loans | 0.3184% | 2,826 |
| Credit loss provision to net charge-offs | 856.5217% | 714 |
| Earnings coverage of net charge-offs (x) | 7.5652% | 2,328 |
| Efficiency ratio | 62.7409% | 5,918 |
| Assets per employee ($millions) | 2.8969% | 6,418 |
| Cash dividends to net income (ytd only)* | -218.7500% | 8,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 2,106 |
| Loan loss allowance to noncurrent loans | 38.9712% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3582% | 1,626 |
| Noncurrent loans to loans | 4.3917% | 1,328 |
| Net loans and leases to total assets | 70.7991% | 3,518 |
| Net loans and leases to deposits | 78.4000% | 4,859 |
| Net loans and leases to core deposits | 120.9520% | 2,340 |
| Total domestic deposits to total assets | 90.3050% | 675 |
| Equity capital to assets | 8.8345% | 5,567 |
| Core capital (leverage) ratio | 7.9303% | 6,569 |
| Tier 1 risk-based capital ratio | 10.1176% | 6,793 |
| Total risk-based capital ratio | 11.3700% | 6,704 |
| Memoranda: | ||
| Average total assets | $41,990,500 | 7,165 |
| Average earning assets | $38,505,500 | 7,145 |
| Average equity | $3,651,000 | 7,576 |
| Average total loans | $28,891,500 | 6,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1766% | 784 |
| Cost of funding earning assets | 2.6097% | 3,638 |
| Net interest margin | 4.5669% | 1,265 |
| Noninterest income to average assets | 0.5708% | 4,076 |
| Noninterest expense to average assets | 2.9208% | 4,375 |
| Loan and lease loss provision to assets | 0.5832% | 2,491 |
| Net operating income to assets | 1.1614% | 1,901 |
| Return on assets (ROA) | 1.1614% | 1,828 |
| Pretax return on assets | 1.2182% | 2,583 |
| Return on Equity (ROE) | 13.2798% | 1,264 |
| Retained earnings to average equity (ytd only) | -3.3341% | 6,189 |
| Net charge-offs to loans | 0.7085% | 1,743 |
| Credit loss provision to net charge-offs | 115.1220% | 4,693 |
| Earnings coverage of net charge-offs (x) | 3.5561% | 4,315 |
| Efficiency ratio | 61.8524% | 5,982 |
| Assets per employee ($millions) | 3.1017% | 5,761 |
| Cash dividends to net income (ytd only)* | 125.1064% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,986 |
| Loan loss allowance to noncurrent loans | 52.3274% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 1.6166% | 3,015 |
| Noncurrent loans to loans | 2.1807% | 2,530 |
| Net loans and leases to total assets | 65.0401% | 5,053 |
| Net loans and leases to deposits | 71.6155% | 6,101 |
| Net loans and leases to core deposits | 109.0548% | 3,861 |
| Total domestic deposits to total assets | 90.8184% | 379 |
| Equity capital to assets | 8.5644% | 5,988 |
| Core capital (leverage) ratio | 7.8706% | 6,696 |
| Tier 1 risk-based capital ratio | 10.4536% | 6,257 |
| Total risk-based capital ratio | 11.4563% | 6,377 |
| Memoranda: | ||
| Average total assets | $40,468,000 | 7,193 |
| Average earning assets | $36,786,200 | 7,200 |
| Average equity | $3,539,200 | 7,665 |
| Average total loans | $28,934,800 | 6,772 |