Home > Farmers State Bank of Dent > Performance and Condition Ratios
Farmers State Bank of Dent, Performance and Condition Ratios
| 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 | 4.8375% | 2,496 |
| Cost of funding earning assets | 0.8280% | 3,254 |
| Net interest margin | 4.0094% | 2,463 |
| Noninterest income to average assets | 0.5239% | 3,754 |
| Noninterest expense to average assets | 4.1781% | 761 |
| Loan and lease loss provision to assets | -0.3405% | 7,239 |
| Net operating income to assets | 0.3012% | 5,652 |
| Return on assets (ROA) | 0.3012% | 5,821 |
| Pretax return on assets | 0.3012% | 5,975 |
| Return on Equity (ROE) | 3.8672% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.8672% | 4,270 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9494% | 521 |
| Assets per employee ($millions) | 2.7519% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 2,540 |
| Loan loss allowance to noncurrent loans | 35.8998% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.3087% | 952 |
| Noncurrent loans to loans | 5.4144% | 991 |
| Net loans and leases to total assets | 64.4941% | 2,765 |
| Net loans and leases to deposits | 70.3405% | 3,681 |
| Net loans and leases to core deposits | 71.3690% | 4,242 |
| Total domestic deposits to total assets | 91.6884% | 328 |
| Equity capital to assets | 7.9152% | 6,577 |
| Core capital (leverage) ratio | 7.3384% | 6,715 |
| Tier 1 risk-based capital ratio | 12.2255% | 5,805 |
| Total risk-based capital ratio | 13.3183% | 5,892 |
| Memoranda: | ||
| Average total assets | $30,540,500 | 6,932 |
| Average earning assets | $27,535,000 | 6,920 |
| Average equity | $2,379,000 | 7,094 |
| Average total loans | $20,151,500 | 6,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 1,400 |
| Cost of funding earning assets | 0.9642% | 3,615 |
| Net interest margin | 4.4435% | 1,279 |
| Noninterest income to average assets | 0.5367% | 3,607 |
| Noninterest expense to average assets | 4.2447% | 765 |
| Loan and lease loss provision to assets | 0.6218% | 1,651 |
| Net operating income to assets | -0.3633% | 6,390 |
| Return on assets (ROA) | -0.3633% | 6,439 |
| Pretax return on assets | -0.3633% | 6,396 |
| Return on Equity (ROE) | -4.6930% | 6,513 |
| Retained earnings to average equity (ytd only) | -4.6930% | 6,422 |
| Net charge-offs to loans | 0.8331% | 2,084 |
| Credit loss provision to net charge-offs | 107.3446% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.4463% | 5,485 |
| Efficiency ratio | 94.2587% | 905 |
| Assets per employee ($millions) | 2.5675% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 2,185 |
| Loan loss allowance to noncurrent loans | 34.0461% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 5.2515% | 993 |
| Noncurrent loans to loans | 5.9628% | 840 |
| Net loans and leases to total assets | 64.8458% | 3,016 |
| Net loans and leases to deposits | 70.4478% | 4,028 |
| Net loans and leases to core deposits | 71.4557% | 4,599 |
| Total domestic deposits to total assets | 92.0480% | 234 |
| Equity capital to assets | 7.6663% | 6,741 |
| Core capital (leverage) ratio | 6.9959% | 6,868 |
| Tier 1 risk-based capital ratio | 11.9778% | 5,849 |
| Total risk-based capital ratio | 13.2353% | 5,820 |
| Memoranda: | ||
| Average total assets | $30,555,800 | 6,956 |
| Average earning assets | $27,275,800 | 6,950 |
| Average equity | $2,365,200 | 7,150 |
| Average total loans | $21,244,800 | 6,592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 1,316 |
| Cost of funding earning assets | 0.9879% | 3,767 |
| Net interest margin | 4.4874% | 1,179 |
| Noninterest income to average assets | 0.5466% | 3,534 |
| Noninterest expense to average assets | 4.1889% | 807 |
| Loan and lease loss provision to assets | 0.8308% | 1,114 |
| Net operating income to assets | -0.4810% | 6,631 |
| Return on assets (ROA) | -0.4810% | 6,674 |
| Pretax return on assets | -0.4810% | 6,609 |
| Return on Equity (ROE) | -6.1986% | 6,730 |
| Retained earnings to average equity (ytd only) | -6.1986% | 6,657 |
| Net charge-offs to loans | 1.1930% | 1,316 |
| Credit loss provision to net charge-offs | 98.9583% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.4167% | 5,309 |
| Efficiency ratio | 92.2929% | 1,012 |
| Assets per employee ($millions) | 2.2323% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,696 |
| Loan loss allowance to noncurrent loans | 37.7841% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 4.6653% | 1,271 |
| Noncurrent loans to loans | 4.9657% | 1,258 |
| Net loans and leases to total assets | 66.7701% | 2,722 |
| Net loans and leases to deposits | 72.4800% | 3,897 |
| Net loans and leases to core deposits | 73.5012% | 4,527 |
| Total domestic deposits to total assets | 92.1221% | 196 |
| Equity capital to assets | 7.5867% | 6,900 |
| Core capital (leverage) ratio | 7.1153% | 6,922 |
| Tier 1 risk-based capital ratio | 11.2641% | 6,394 |
| Total risk-based capital ratio | 12.2508% | 6,524 |
| Memoranda: | ||
| Average total assets | $30,492,250 | 7,025 |
| Average earning assets | $27,127,000 | 7,021 |
| Average equity | $2,366,000 | 7,217 |
| Average total loans | $21,457,750 | 6,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 1,180 |
| Cost of funding earning assets | 1.0221% | 3,800 |
| Net interest margin | 4.5288% | 1,060 |
| Noninterest income to average assets | 0.4894% | 3,952 |
| Noninterest expense to average assets | 4.1139% | 899 |
| Loan and lease loss provision to assets | 0.9921% | 879 |
| Net operating income to assets | -0.6019% | 6,759 |
| Return on assets (ROA) | -0.6019% | 6,771 |
| Pretax return on assets | -0.6019% | 6,706 |
| Return on Equity (ROE) | -7.6977% | 6,852 |
| Retained earnings to average equity (ytd only) | -7.6977% | 6,755 |
| Net charge-offs to loans | 1.2453% | 1,255 |
| Credit loss provision to net charge-offs | 111.9403% | 2,737 |
| Earnings coverage of net charge-offs (x) | 0.4403% | 4,972 |
| Efficiency ratio | 91.3363% | 1,145 |
| Assets per employee ($millions) | 2.1126% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 2,454 |
| Loan loss allowance to noncurrent loans | 59.4864% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 4.1586% | 1,531 |
| Noncurrent loans to loans | 3.3099% | 2,159 |
| Net loans and leases to total assets | 70.1964% | 2,182 |
| Net loans and leases to deposits | 76.4968% | 3,378 |
| Net loans and leases to core deposits | 77.6411% | 4,096 |
| Total domestic deposits to total assets | 91.7639% | 287 |
| Equity capital to assets | 7.9555% | 6,709 |
| Core capital (leverage) ratio | 7.3206% | 6,852 |
| Tier 1 risk-based capital ratio | 11.2606% | 6,346 |
| Total risk-based capital ratio | 12.2983% | 6,473 |
| Memoranda: | ||
| Average total assets | $30,239,000 | 7,099 |
| Average earning assets | $26,806,330 | 7,100 |
| Average equity | $2,364,330 | 7,276 |
| Average total loans | $21,521,670 | 6,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 1,170 |
| Cost of funding earning assets | 1.0634% | 3,763 |
| Net interest margin | 4.4897% | 1,095 |
| Noninterest income to average assets | 0.5496% | 3,515 |
| Noninterest expense to average assets | 3.9908% | 1,046 |
| Loan and lease loss provision to assets | 0.8505% | 971 |
| Net operating income to assets | -0.3140% | 6,674 |
| Return on assets (ROA) | -0.3140% | 6,684 |
| Pretax return on assets | -0.3140% | 6,631 |
| Return on Equity (ROE) | -4.0506% | 6,742 |
| Retained earnings to average equity (ytd only) | -4.0506% | 6,418 |
| Net charge-offs to loans | 0.4794% | 2,273 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 1.5769% | 3,530 |
| Efficiency ratio | 88.1503% | 1,498 |
| Assets per employee ($millions) | 2.1780% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 2,284 |
| Loan loss allowance to noncurrent loans | 51.5222% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.9256% | 1,701 |
| Noncurrent loans to loans | 3.9851% | 1,827 |
| Net loans and leases to total assets | 68.8377% | 2,372 |
| Net loans and leases to deposits | 74.8387% | 3,625 |
| Net loans and leases to core deposits | 75.9214% | 4,311 |
| Total domestic deposits to total assets | 91.9815% | 293 |
| Equity capital to assets | 7.7135% | 6,738 |
| Core capital (leverage) ratio | 7.5158% | 6,719 |
| Tier 1 risk-based capital ratio | 11.5104% | 6,097 |
| Total risk-based capital ratio | 12.7625% | 6,075 |
| Memoranda: | ||
| Average total assets | $30,570,000 | 7,138 |
| Average earning assets | $27,084,000 | 7,131 |
| Average equity | $2,370,000 | 7,325 |
| Average total loans | $21,693,000 | 6,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8011% | 1,275 |
| Cost of funding earning assets | 1.3626% | 3,500 |
| Net interest margin | 4.4385% | 1,377 |
| Noninterest income to average assets | 0.6213% | 3,335 |
| Noninterest expense to average assets | 3.8737% | 1,359 |
| Loan and lease loss provision to assets | 0.5947% | 2,758 |
| Net operating income to assets | 0.1462% | 5,453 |
| Return on assets (ROA) | 0.2159% | 5,384 |
| Pretax return on assets | 0.2159% | 5,452 |
| Return on Equity (ROE) | 2.7714% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.4729% | 4,147 |
| Net charge-offs to loans | 0.5639% | 3,364 |
| Credit loss provision to net charge-offs | 144.3548% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.7984% | 4,371 |
| Efficiency ratio | 83.9453% | 1,925 |
| Assets per employee ($millions) | 2.1891% | 7,311 |
| Cash dividends to net income (ytd only)* | 10.7692% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 2,774 |
| Loan loss allowance to noncurrent loans | 49.1422% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.3836% | 2,069 |
| Noncurrent loans to loans | 3.7165% | 1,997 |
| Net loans and leases to total assets | 70.3309% | 2,454 |
| Net loans and leases to deposits | 76.5883% | 3,750 |
| Net loans and leases to core deposits | 77.6925% | 4,491 |
| Total domestic deposits to total assets | 91.8298% | 316 |
| Equity capital to assets | 7.7917% | 6,677 |
| Core capital (leverage) ratio | 7.3811% | 6,802 |
| Tier 1 risk-based capital ratio | 11.0824% | 6,264 |
| Total risk-based capital ratio | 12.3414% | 6,228 |
| Memoranda: | ||
| Average total assets | $30,100,600 | 7,204 |
| Average earning assets | $27,081,000 | 7,192 |
| Average equity | $2,345,400 | 7,440 |
| Average total loans | $21,989,400 | 6,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8851% | 1,168 |
| Cost of funding earning assets | 1.4130% | 3,501 |
| Net interest margin | 4.4721% | 1,322 |
| Noninterest income to average assets | 0.6675% | 3,027 |
| Noninterest expense to average assets | 3.9513% | 1,114 |
| Loan and lease loss provision to assets | 0.7965% | 1,905 |
| Net operating income to assets | -0.0667% | 6,135 |
| Return on assets (ROA) | 0.0267% | 6,066 |
| Pretax return on assets | 0.0267% | 6,052 |
| Return on Equity (ROE) | 0.3426% | 6,042 |
| Retained earnings to average equity (ytd only) | -0.0570% | 5,801 |
| Net charge-offs to loans | 0.5273% | 3,189 |
| Credit loss provision to net charge-offs | 205.7471% | 1,722 |
| Earnings coverage of net charge-offs (x) | 1.8850% | 4,295 |
| Efficiency ratio | 84.4106% | 1,791 |
| Assets per employee ($millions) | 2.1889% | 7,394 |
| Cash dividends to net income (ytd only)* | 116.6250% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 2,251 |
| Loan loss allowance to noncurrent loans | 52.6442% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.4362% | 2,068 |
| Noncurrent loans to loans | 3.7787% | 2,043 |
| Net loans and leases to total assets | 70.4216% | 2,633 |
| Net loans and leases to deposits | 76.6907% | 4,053 |
| Net loans and leases to core deposits | 77.7966% | 4,825 |
| Total domestic deposits to total assets | 91.8255% | 223 |
| Equity capital to assets | 7.7764% | 6,948 |
| Core capital (leverage) ratio | 7.5077% | 6,839 |
| Tier 1 risk-based capital ratio | 10.8051% | 6,543 |
| Total risk-based capital ratio | 12.0647% | 6,516 |
| Memoranda: | ||
| Average total assets | $29,963,750 | 7,297 |
| Average earning assets | $26,892,250 | 7,282 |
| Average equity | $2,334,750 | 7,537 |
| Average total loans | $21,997,750 | 6,912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9046% | 1,171 |
| Cost of funding earning assets | 1.4538% | 3,539 |
| Net interest margin | 4.4509% | 1,316 |
| Noninterest income to average assets | 0.6995% | 2,706 |
| Noninterest expense to average assets | 4.0085% | 1,038 |
| Loan and lease loss provision to assets | 1.1703% | 1,211 |
| Net operating income to assets | -0.4641% | 6,616 |
| Return on assets (ROA) | -0.3228% | 6,539 |
| Pretax return on assets | -0.3228% | 6,454 |
| Return on Equity (ROE) | -4.1403% | 6,631 |
| Retained earnings to average equity (ytd only) | -4.7441% | 6,523 |
| Net charge-offs to loans | 0.6639% | 2,550 |
| Credit loss provision to net charge-offs | 238.3562% | 1,616 |
| Earnings coverage of net charge-offs (x) | 1.4384% | 4,410 |
| Efficiency ratio | 85.0214% | 1,819 |
| Assets per employee ($millions) | 2.1096% | 7,508 |
| Cash dividends to net income (ytd only)* | -14.5833% | 7,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 2,118 |
| Loan loss allowance to noncurrent loans | 61.6552% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.2031% | 2,212 |
| Noncurrent loans to loans | 3.2875% | 2,436 |
| Net loans and leases to total assets | 73.1564% | 2,123 |
| Net loans and leases to deposits | 79.6564% | 3,660 |
| Net loans and leases to core deposits | 80.8487% | 4,571 |
| Total domestic deposits to total assets | 91.8399% | 254 |
| Equity capital to assets | 7.7775% | 6,949 |
| Core capital (leverage) ratio | 7.4405% | 6,883 |
| Tier 1 risk-based capital ratio | 10.5170% | 6,672 |
| Total risk-based capital ratio | 11.7765% | 6,655 |
| Memoranda: | ||
| Average total assets | $29,737,000 | 7,354 |
| Average earning assets | $26,826,330 | 7,343 |
| Average equity | $2,318,670 | 7,598 |
| Average total loans | $21,991,000 | 6,962 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8899% | 1,220 |
| Cost of funding earning assets | 1.4984% | 3,572 |
| Net interest margin | 4.3914% | 1,412 |
| Noninterest income to average assets | 0.6837% | 2,712 |
| Noninterest expense to average assets | 3.9010% | 1,164 |
| Loan and lease loss provision to assets | 0.2011% | 4,488 |
| Net operating income to assets | 0.5496% | 4,137 |
| Return on assets (ROA) | 0.8311% | 2,927 |
| Pretax return on assets | 0.8311% | 3,739 |
| Return on Equity (ROE) | 10.6461% | 1,890 |
| Retained earnings to average equity (ytd only) | 9.4441% | 1,287 |
| Net charge-offs to loans | 1.1475% | 1,466 |
| Credit loss provision to net charge-offs | 23.8095% | 4,901 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 4,250 |
| Efficiency ratio | 83.8617% | 2,035 |
| Assets per employee ($millions) | 2.1189% | 7,604 |
| Cash dividends to net income (ytd only)* | 11.2903% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 4,534 |
| Loan loss allowance to noncurrent loans | 43.8881% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.0407% | 2,351 |
| Noncurrent loans to loans | 3.1365% | 2,559 |
| Net loans and leases to total assets | 71.9728% | 2,455 |
| Net loans and leases to deposits | 78.5215% | 3,939 |
| Net loans and leases to core deposits | 79.6939% | 4,798 |
| Total domestic deposits to total assets | 91.6599% | 330 |
| Equity capital to assets | 7.9052% | 6,751 |
| Core capital (leverage) ratio | 7.8886% | 6,395 |
| Tier 1 risk-based capital ratio | 11.1622% | 5,998 |
| Total risk-based capital ratio | 12.4129% | 5,961 |
| Memoranda: | ||
| Average total assets | $29,838,500 | 7,448 |
| Average earning assets | $26,961,500 | 7,427 |
| Average equity | $2,329,500 | 7,681 |
| Average total loans | $21,960,000 | 7,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3014% | 1,025 |
| Cost of funding earning assets | 1.8919% | 3,504 |
| Net interest margin | 4.4095% | 1,406 |
| Noninterest income to average assets | 0.7019% | 2,962 |
| Noninterest expense to average assets | 3.9627% | 1,415 |
| Loan and lease loss provision to assets | 1.0914% | 2,091 |
| Net operating income to assets | -0.4231% | 6,101 |
| Return on assets (ROA) | -0.4198% | 6,098 |
| Pretax return on assets | -0.4198% | 5,936 |
| Return on Equity (ROE) | -5.5898% | 6,274 |
| Retained earnings to average equity (ytd only) | -7.1103% | 6,249 |
| Net charge-offs to loans | 0.9834% | 2,442 |
| Credit loss provision to net charge-offs | 151.8692% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.9299% | 5,180 |
| Efficiency ratio | 85.5693% | 2,163 |
| Assets per employee ($millions) | 2.1438% | 7,621 |
| Cash dividends to net income (ytd only)* | -27.2000% | 7,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,459 |
| Loan loss allowance to noncurrent loans | 55.5377% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.9521% | 2,376 |
| Noncurrent loans to loans | 2.7972% | 2,759 |
| Net loans and leases to total assets | 73.0550% | 2,496 |
| Net loans and leases to deposits | 79.6064% | 4,066 |
| Net loans and leases to core deposits | 88.3365% | 5,293 |
| Total domestic deposits to total assets | 91.7702% | 313 |
| Equity capital to assets | 7.7100% | 6,849 |
| Core capital (leverage) ratio | 7.5435% | 6,749 |
| Tier 1 risk-based capital ratio | 10.3068% | 6,581 |
| Total risk-based capital ratio | 11.5610% | 6,551 |
| Memoranda: | ||
| Average total assets | $29,777,800 | 7,477 |
| Average earning assets | $26,533,600 | 7,481 |
| Average equity | $2,236,200 | 7,794 |
| Average total loans | $21,761,200 | 7,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7931% | 425 |
| Cost of funding earning assets | 1.9683% | 3,526 |
| Net interest margin | 4.8248% | 654 |
| Noninterest income to average assets | 0.2109% | 6,719 |
| Noninterest expense to average assets | 4.1050% | 1,138 |
| Loan and lease loss provision to assets | 1.4177% | 1,354 |
| Net operating income to assets | -1.0229% | 6,854 |
| Return on assets (ROA) | -1.0229% | 6,862 |
| Pretax return on assets | -1.0229% | 6,706 |
| Return on Equity (ROE) | -13.7133% | 7,117 |
| Retained earnings to average equity (ytd only) | -15.7582% | 7,174 |
| Net charge-offs to loans | 1.2881% | 1,597 |
| Credit loss provision to net charge-offs | 151.1962% | 3,173 |
| Earnings coverage of net charge-offs (x) | 0.4211% | 5,610 |
| Efficiency ratio | 91.2263% | 1,596 |
| Assets per employee ($millions) | 1.9733% | 7,817 |
| Cash dividends to net income (ytd only)* | -14.9117% | 7,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 3,107 |
| Loan loss allowance to noncurrent loans | 57.3826% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.9021% | 2,388 |
| Noncurrent loans to loans | 2.7407% | 2,766 |
| Net loans and leases to total assets | 72.3133% | 2,951 |
| Net loans and leases to deposits | 78.7230% | 4,614 |
| Net loans and leases to core deposits | 87.4632% | 5,695 |
| Total domestic deposits to total assets | 91.8578% | 194 |
| Equity capital to assets | 7.5476% | 7,264 |
| Core capital (leverage) ratio | 7.3752% | 7,104 |
| Tier 1 risk-based capital ratio | 10.2300% | 6,752 |
| Total risk-based capital ratio | 11.4826% | 6,688 |
| Memoranda: | ||
| Average total assets | $29,719,000 | 7,545 |
| Average earning assets | $26,418,250 | 7,555 |
| Average equity | $2,216,750 | 7,879 |
| Average total loans | $21,633,500 | 7,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8235% | 434 |
| Cost of funding earning assets | 2.0913% | 3,311 |
| Net interest margin | 4.7322% | 763 |
| Noninterest income to average assets | 0.1882% | 6,950 |
| Noninterest expense to average assets | 4.1466% | 1,132 |
| Loan and lease loss provision to assets | 2.0632% | 779 |
| Net operating income to assets | -1.8549% | 7,386 |
| Return on assets (ROA) | -1.8549% | 7,382 |
| Pretax return on assets | -1.8549% | 7,234 |
| Return on Equity (ROE) | -24.9661% | 7,626 |
| Retained earnings to average equity (ytd only) | -28.0416% | 7,656 |
| Net charge-offs to loans | 1.2873% | 1,439 |
| Credit loss provision to net charge-offs | 220.8633% | 2,080 |
| Earnings coverage of net charge-offs (x) | 0.2230% | 5,448 |
| Efficiency ratio | 95.2160% | 1,427 |
| Assets per employee ($millions) | 1.9413% | 7,892 |
| Cash dividends to net income (ytd only)* | -12.3188% | 7,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 1,841 |
| Loan loss allowance to noncurrent loans | 113.8418% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 3,223 |
| Noncurrent loans to loans | 1.6524% | 4,018 |
| Net loans and leases to total assets | 72.1900% | 3,164 |
| Net loans and leases to deposits | 78.4834% | 4,787 |
| Net loans and leases to core deposits | 86.9535% | 5,813 |
| Total domestic deposits to total assets | 91.9812% | 220 |
| Equity capital to assets | 7.4419% | 7,318 |
| Core capital (leverage) ratio | 7.2989% | 7,246 |
| Tier 1 risk-based capital ratio | 10.1827% | 6,735 |
| Total risk-based capital ratio | 10.9307% | 7,190 |
| Memoranda: | ||
| Average total assets | $29,759,000 | 7,612 |
| Average earning assets | $26,203,670 | 7,632 |
| Average equity | $2,211,000 | 7,958 |
| Average total loans | $21,596,000 | 7,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9080% | 398 |
| Cost of funding earning assets | 2.4821% | 1,982 |
| Net interest margin | 4.4259% | 1,281 |
| Noninterest income to average assets | 0.1995% | 6,864 |
| Noninterest expense to average assets | 3.7368% | 1,583 |
| Loan and lease loss provision to assets | 0.1064% | 5,603 |
| Net operating income to assets | 0.2926% | 5,326 |
| Return on assets (ROA) | 0.2926% | 5,496 |
| Pretax return on assets | 0.2926% | 5,698 |
| Return on Equity (ROE) | 3.9409% | 4,957 |
| Retained earnings to average equity (ytd only) | -2.1496% | 6,131 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3537% | 1,696 |
| Assets per employee ($millions) | 1.9718% | 7,919 |
| Cash dividends to net income (ytd only)* | 154.5455% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,281 |
| Loan loss allowance to noncurrent loans | 71.4706% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 2,913 |
| Noncurrent loans to loans | 1.5766% | 3,913 |
| Net loans and leases to total assets | 72.0898% | 3,227 |
| Net loans and leases to deposits | 80.8632% | 4,479 |
| Net loans and leases to core deposits | 89.7277% | 5,579 |
| Total domestic deposits to total assets | 89.1504% | 1,169 |
| Equity capital to assets | 7.5025% | 7,354 |
| Core capital (leverage) ratio | 7.3143% | 7,365 |
| Tier 1 risk-based capital ratio | 9.4560% | 7,461 |
| Total risk-based capital ratio | 10.5135% | 7,595 |
| Memoranda: | ||
| Average total assets | $30,079,000 | 7,645 |
| Average earning assets | $26,751,500 | 7,650 |
| Average equity | $2,233,000 | 8,001 |
| Average total loans | $21,682,000 | 7,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2926% | 603 |
| Cost of funding earning assets | 2.8734% | 2,377 |
| Net interest margin | 4.4192% | 1,627 |
| Noninterest income to average assets | 0.1933% | 7,075 |
| Noninterest expense to average assets | 3.6434% | 2,056 |
| Loan and lease loss provision to assets | 0.1289% | 5,717 |
| Net operating income to assets | 0.3350% | 5,419 |
| Return on assets (ROA) | 0.3576% | 5,123 |
| Pretax return on assets | 0.3576% | 5,365 |
| Return on Equity (ROE) | 5.0880% | 4,340 |
| Retained earnings to average equity (ytd only) | 0.5959% | 4,881 |
| Net charge-offs to loans | 0.2548% | 3,724 |
| Credit loss provision to net charge-offs | 75.4717% | 5,983 |
| Earnings coverage of net charge-offs (x) | 2.7170% | 4,721 |
| Efficiency ratio | 88.7059% | 1,615 |
| Assets per employee ($millions) | 2.0387% | 7,885 |
| Cash dividends to net income (ytd only)* | 88.2883% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 5,432 |
| Loan loss allowance to noncurrent loans | 68.5131% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.9424% | 2,530 |
| Noncurrent loans to loans | 1.5735% | 3,421 |
| Net loans and leases to total assets | 70.5144% | 3,902 |
| Net loans and leases to deposits | 81.9612% | 4,736 |
| Net loans and leases to core deposits | 89.9850% | 5,800 |
| Total domestic deposits to total assets | 86.0338% | 2,384 |
| Equity capital to assets | 7.3477% | 7,515 |
| Core capital (leverage) ratio | 7.0039% | 7,697 |
| Tier 1 risk-based capital ratio | 9.7306% | 7,046 |
| Total risk-based capital ratio | 10.7771% | 7,199 |
| Memoranda: | ||
| Average total assets | $31,042,400 | 7,599 |
| Average earning assets | $27,493,800 | 7,641 |
| Average equity | $2,181,600 | 8,082 |
| Average total loans | $20,802,600 | 7,277 |