Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 385 |
| Cost of funding earning assets | 0.6996% | 1,950 |
| Net interest margin | 4.7782% | 451 |
| Noninterest income to average assets | 0.2685% | 5,534 |
| Noninterest expense to average assets | 2.2937% | 5,362 |
| Loan and lease loss provision to assets | 0.1852% | 1,967 |
| Net operating income to assets | 2.0314% | 344 |
| Return on assets (ROA) | 2.0322% | 356 |
| Pretax return on assets | 2.0322% | 542 |
| Return on Equity (ROE) | 16.1968% | 627 |
| Retained earnings to average equity (ytd only) | 2.5519% | 4,792 |
| Net charge-offs to loans | -0.0229% | 6,087 |
| Credit loss provision to net charge-offs | -1,142.8571% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8553% | 6,346 |
| Assets per employee ($millions) | 4.9495% | 2,236 |
| Cash dividends to net income (ytd only)* | 84.2445% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 2,327 |
| Loan loss allowance to noncurrent loans | 1,312.4260% | 373 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 2,865 |
| Noncurrent loans to loans | 0.1366% | 5,917 |
| Net loans and leases to total assets | 70.1424% | 1,940 |
| Net loans and leases to deposits | 80.6131% | 2,322 |
| Net loans and leases to core deposits | 84.8604% | 2,558 |
| Total domestic deposits to total assets | 87.0111% | 2,689 |
| Equity capital to assets | 12.3222% | 1,691 |
| Core capital (leverage) ratio | 10.7023% | 2,788 |
| Tier 1 risk-based capital ratio | 13.7162% | 4,622 |
| Total risk-based capital ratio | 14.9714% | 4,573 |
| Memoranda: | ||
| Average total assets | $172,814,000 | 3,394 |
| Average earning assets | $153,414,250 | 3,476 |
| Average equity | $21,682,750 | 2,998 |
| Average total loans | $122,110,250 | 3,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 428 |
| Cost of funding earning assets | 0.7193% | 1,925 |
| Net interest margin | 4.7067% | 501 |
| Noninterest income to average assets | 0.2571% | 5,610 |
| Noninterest expense to average assets | 2.2875% | 5,404 |
| Loan and lease loss provision to assets | 0.1737% | 2,168 |
| Net operating income to assets | 1.9493% | 387 |
| Return on assets (ROA) | 1.9493% | 418 |
| Pretax return on assets | 1.9493% | 668 |
| Return on Equity (ROE) | 15.4439% | 744 |
| Retained earnings to average equity (ytd only) | 0.7433% | 5,605 |
| Net charge-offs to loans | -0.0444% | 6,222 |
| Credit loss provision to net charge-offs | -555.5556% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8645% | 6,286 |
| Assets per employee ($millions) | 4.9581% | 2,158 |
| Cash dividends to net income (ytd only)* | 95.1872% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,508 |
| Loan loss allowance to noncurrent loans | 100.4235% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.5858% | 1,624 |
| Noncurrent loans to loans | 1.7685% | 2,675 |
| Net loans and leases to total assets | 70.0138% | 1,879 |
| Net loans and leases to deposits | 80.5626% | 2,244 |
| Net loans and leases to core deposits | 84.4761% | 2,494 |
| Total domestic deposits to total assets | 86.9060% | 2,881 |
| Equity capital to assets | 12.4812% | 1,585 |
| Core capital (leverage) ratio | 10.6014% | 2,763 |
| Tier 1 risk-based capital ratio | 13.9089% | 4,481 |
| Total risk-based capital ratio | 15.1641% | 4,449 |
| Memoranda: | ||
| Average total assets | $172,674,670 | 3,417 |
| Average earning assets | $152,377,670 | 3,507 |
| Average equity | $21,795,000 | 3,010 |
| Average total loans | $121,571,330 | 3,035 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 449 |
| Cost of funding earning assets | 0.7628% | 1,767 |
| Net interest margin | 4.6108% | 552 |
| Noninterest income to average assets | 0.2747% | 5,483 |
| Noninterest expense to average assets | 2.2596% | 5,542 |
| Loan and lease loss provision to assets | 0.2060% | 1,805 |
| Net operating income to assets | 1.8360% | 452 |
| Return on assets (ROA) | 1.8360% | 498 |
| Pretax return on assets | 1.8360% | 824 |
| Return on Equity (ROE) | 14.4684% | 870 |
| Retained earnings to average equity (ytd only) | 14.4684% | 403 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5279% | 6,348 |
| Assets per employee ($millions) | 5.1531% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 3,041 |
| Loan loss allowance to noncurrent loans | 356.0000% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 2,796 |
| Noncurrent loans to loans | 0.4753% | 5,232 |
| Net loans and leases to total assets | 69.9415% | 1,668 |
| Net loans and leases to deposits | 81.0943% | 1,943 |
| Net loans and leases to core deposits | 84.4363% | 2,276 |
| Total domestic deposits to total assets | 86.2471% | 3,389 |
| Equity capital to assets | 13.1971% | 1,343 |
| Core capital (leverage) ratio | 10.6146% | 2,641 |
| Tier 1 risk-based capital ratio | 14.6077% | 4,104 |
| Total risk-based capital ratio | 15.8621% | 4,062 |
| Memoranda: | ||
| Average total assets | $174,725,000 | 3,416 |
| Average earning assets | $152,599,500 | 3,550 |
| Average equity | $22,172,500 | 3,006 |
| Average total loans | $122,277,500 | 3,040 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7440% | 400 |
| Cost of funding earning assets | 0.8580% | 2,233 |
| Net interest margin | 4.8860% | 459 |
| Noninterest income to average assets | 0.1574% | 6,253 |
| Noninterest expense to average assets | 2.1361% | 6,051 |
| Loan and lease loss provision to assets | 0.1852% | 3,323 |
| Net operating income to assets | 2.1731% | 269 |
| Return on assets (ROA) | 2.1738% | 295 |
| Pretax return on assets | 2.1738% | 436 |
| Return on Equity (ROE) | 16.0779% | 651 |
| Retained earnings to average equity (ytd only) | 0.0867% | 5,791 |
| Net charge-offs to loans | 0.2382% | 3,510 |
| Credit loss provision to net charge-offs | 106.7616% | 2,777 |
| Earnings coverage of net charge-offs (x) | 13.5979% | 1,810 |
| Efficiency ratio | 47.5282% | 6,731 |
| Assets per employee ($millions) | 6.4071% | 1,047 |
| Cash dividends to net income (ytd only)* | 99.4605% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,389 |
| Loan loss allowance to noncurrent loans | 217.4444% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 2,775 |
| Noncurrent loans to loans | 0.7283% | 4,725 |
| Net loans and leases to total assets | 67.7901% | 2,216 |
| Net loans and leases to deposits | 77.6511% | 2,580 |
| Net loans and leases to core deposits | 80.5476% | 2,935 |
| Total domestic deposits to total assets | 87.3009% | 2,646 |
| Equity capital to assets | 12.2092% | 1,913 |
| Core capital (leverage) ratio | 10.7305% | 2,515 |
| Tier 1 risk-based capital ratio | 13.5642% | 4,706 |
| Total risk-based capital ratio | 14.8179% | 4,653 |
| Memoranda: | ||
| Average total assets | $162,023,600 | 3,580 |
| Average earning assets | $143,819,400 | 3,666 |
| Average equity | $21,905,800 | 2,986 |
| Average total loans | $117,943,600 | 3,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7942% | 402 |
| Cost of funding earning assets | 0.8858% | 2,268 |
| Net interest margin | 4.9084% | 457 |
| Noninterest income to average assets | 0.2029% | 6,075 |
| Noninterest expense to average assets | 2.1689% | 6,022 |
| Loan and lease loss provision to assets | 0.2029% | 3,049 |
| Net operating income to assets | 2.2399% | 265 |
| Return on assets (ROA) | 2.2408% | 295 |
| Pretax return on assets | 2.2408% | 451 |
| Return on Equity (ROE) | 16.1288% | 730 |
| Retained earnings to average equity (ytd only) | 0.6756% | 5,881 |
| Net charge-offs to loans | 0.2998% | 2,942 |
| Credit loss provision to net charge-offs | 91.6031% | 3,244 |
| Earnings coverage of net charge-offs (x) | 11.0269% | 2,122 |
| Efficiency ratio | 47.0297% | 6,771 |
| Assets per employee ($millions) | 5.5471% | 1,595 |
| Cash dividends to net income (ytd only)* | 95.8112% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,499 |
| Loan loss allowance to noncurrent loans | 127.0557% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6407% | 2,000 |
| Noncurrent loans to loans | 1.2634% | 3,941 |
| Net loans and leases to total assets | 73.0097% | 1,390 |
| Net loans and leases to deposits | 85.3242% | 1,683 |
| Net loans and leases to core deposits | 88.4157% | 2,167 |
| Total domestic deposits to total assets | 85.5674% | 3,477 |
| Equity capital to assets | 13.7662% | 1,247 |
| Core capital (leverage) ratio | 11.2538% | 2,174 |
| Tier 1 risk-based capital ratio | 14.1389% | 4,429 |
| Total risk-based capital ratio | 15.3923% | 4,384 |
| Memoranda: | ||
| Average total assets | $157,680,000 | 3,692 |
| Average earning assets | $141,632,250 | 3,742 |
| Average equity | $21,906,500 | 3,008 |
| Average total loans | $116,536,750 | 3,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 401 |
| Cost of funding earning assets | 0.9082% | 2,332 |
| Net interest margin | 4.9046% | 467 |
| Noninterest income to average assets | 0.1456% | 6,471 |
| Noninterest expense to average assets | 2.1862% | 6,047 |
| Loan and lease loss provision to assets | 0.1915% | 3,177 |
| Net operating income to assets | 2.1747% | 296 |
| Return on assets (ROA) | 2.1747% | 333 |
| Pretax return on assets | 2.1747% | 510 |
| Return on Equity (ROE) | 15.6045% | 835 |
| Retained earnings to average equity (ytd only) | -0.3207% | 6,090 |
| Net charge-offs to loans | 0.2111% | 3,302 |
| Credit loss provision to net charge-offs | 122.9508% | 2,228 |
| Earnings coverage of net charge-offs (x) | 15.1885% | 1,659 |
| Efficiency ratio | 48.0224% | 6,773 |
| Assets per employee ($millions) | 5.5588% | 1,569 |
| Cash dividends to net income (ytd only)* | 102.0552% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,283 |
| Loan loss allowance to noncurrent loans | 97.3267% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 3.0582% | 1,793 |
| Noncurrent loans to loans | 1.7329% | 3,302 |
| Net loans and leases to total assets | 73.6297% | 1,303 |
| Net loans and leases to deposits | 86.1124% | 1,579 |
| Net loans and leases to core deposits | 89.3394% | 2,055 |
| Total domestic deposits to total assets | 85.5042% | 3,606 |
| Equity capital to assets | 13.9831% | 1,101 |
| Core capital (leverage) ratio | 11.3541% | 2,008 |
| Tier 1 risk-based capital ratio | 14.2414% | 4,274 |
| Total risk-based capital ratio | 15.4957% | 4,239 |
| Memoranda: | ||
| Average total assets | $156,618,330 | 3,729 |
| Average earning assets | $140,723,670 | 3,771 |
| Average equity | $21,827,000 | 3,002 |
| Average total loans | $115,594,670 | 3,226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 315 |
| Cost of funding earning assets | 0.9441% | 2,348 |
| Net interest margin | 5.0350% | 375 |
| Noninterest income to average assets | 0.0102% | 7,072 |
| Noninterest expense to average assets | 2.2660% | 5,865 |
| Loan and lease loss provision to assets | 0.1528% | 3,465 |
| Net operating income to assets | 2.1132% | 340 |
| Return on assets (ROA) | 2.1132% | 395 |
| Pretax return on assets | 2.1132% | 620 |
| Return on Equity (ROE) | 15.1886% | 938 |
| Retained earnings to average equity (ytd only) | -0.1098% | 6,005 |
| Net charge-offs to loans | 0.4170% | 2,054 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 2,077 |
| Efficiency ratio | 50.0000% | 6,674 |
| Assets per employee ($millions) | 5.6383% | 1,580 |
| Cash dividends to net income (ytd only)* | 100.7229% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 3,621 |
| Loan loss allowance to noncurrent loans | 105.3281% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 3.1038% | 1,874 |
| Noncurrent loans to loans | 1.5439% | 3,799 |
| Net loans and leases to total assets | 71.9651% | 1,409 |
| Net loans and leases to deposits | 85.1671% | 1,515 |
| Net loans and leases to core deposits | 88.4663% | 1,999 |
| Total domestic deposits to total assets | 84.4987% | 4,273 |
| Equity capital to assets | 13.8328% | 1,079 |
| Core capital (leverage) ratio | 11.3879% | 1,974 |
| Tier 1 risk-based capital ratio | 14.1627% | 4,348 |
| Total risk-based capital ratio | 15.4162% | 4,316 |
| Memoranda: | ||
| Average total assets | $157,105,000 | 3,742 |
| Average earning assets | $141,092,500 | 3,791 |
| Average equity | $21,858,500 | 2,992 |
| Average total loans | $115,108,500 | 3,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7226% | 746 |
| Cost of funding earning assets | 1.0975% | 2,690 |
| Net interest margin | 4.6251% | 871 |
| Noninterest income to average assets | 0.0261% | 6,919 |
| Noninterest expense to average assets | 2.1654% | 6,341 |
| Loan and lease loss provision to assets | 0.1433% | 4,824 |
| Net operating income to assets | 1.8572% | 419 |
| Return on assets (ROA) | 1.8566% | 451 |
| Pretax return on assets | 1.8566% | 722 |
| Return on Equity (ROE) | 13.8588% | 968 |
| Retained earnings to average equity (ytd only) | 1.3762% | 5,202 |
| Net charge-offs to loans | 0.1303% | 5,103 |
| Credit loss provision to net charge-offs | 148.6486% | 1,910 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,121 |
| Efficiency ratio | 51.9781% | 6,699 |
| Assets per employee ($millions) | 5.7903% | 1,381 |
| Cash dividends to net income (ytd only)* | 90.0702% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,241 |
| Loan loss allowance to noncurrent loans | 49.5906% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 4.0700% | 1,408 |
| Noncurrent loans to loans | 3.4063% | 1,895 |
| Net loans and leases to total assets | 72.1439% | 1,625 |
| Net loans and leases to deposits | 86.8008% | 1,565 |
| Net loans and leases to core deposits | 90.0619% | 2,126 |
| Total domestic deposits to total assets | 83.1143% | 4,704 |
| Equity capital to assets | 13.9946% | 1,066 |
| Core capital (leverage) ratio | 11.3996% | 1,970 |
| Tier 1 risk-based capital ratio | 14.7077% | 3,826 |
| Total risk-based capital ratio | 15.9627% | 3,798 |
| Memoranda: | ||
| Average total assets | $153,506,600 | 3,746 |
| Average earning assets | $137,402,000 | 3,798 |
| Average equity | $20,564,600 | 3,059 |
| Average total loans | $113,576,400 | 3,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 783 |
| Cost of funding earning assets | 1.1291% | 2,771 |
| Net interest margin | 4.6150% | 918 |
| Noninterest income to average assets | -0.0131% | 7,132 |
| Noninterest expense to average assets | 2.2923% | 6,059 |
| Loan and lease loss provision to assets | 0.1571% | 4,504 |
| Net operating income to assets | 1.6640% | 689 |
| Return on assets (ROA) | 1.6632% | 752 |
| Pretax return on assets | 1.6632% | 1,222 |
| Return on Equity (ROE) | 12.5582% | 1,395 |
| Retained earnings to average equity (ytd only) | -1.9898% | 6,297 |
| Net charge-offs to loans | 0.1718% | 4,423 |
| Credit loss provision to net charge-offs | 123.2877% | 2,614 |
| Earnings coverage of net charge-offs (x) | 14.2947% | 1,544 |
| Efficiency ratio | 55.7276% | 6,319 |
| Assets per employee ($millions) | 5.6745% | 1,440 |
| Cash dividends to net income (ytd only)* | 115.8448% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,365 |
| Loan loss allowance to noncurrent loans | 47.5357% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 4.2236% | 1,445 |
| Noncurrent loans to loans | 3.5196% | 1,955 |
| Net loans and leases to total assets | 72.8827% | 1,535 |
| Net loans and leases to deposits | 87.2799% | 1,523 |
| Net loans and leases to core deposits | 90.6409% | 2,172 |
| Total domestic deposits to total assets | 83.5046% | 4,476 |
| Equity capital to assets | 13.3554% | 1,437 |
| Core capital (leverage) ratio | 11.3728% | 2,113 |
| Tier 1 risk-based capital ratio | 14.3836% | 4,067 |
| Total risk-based capital ratio | 15.6381% | 4,031 |
| Memoranda: | ||
| Average total assets | $152,798,500 | 3,778 |
| Average earning assets | $136,624,250 | 3,824 |
| Average equity | $20,236,000 | 3,110 |
| Average total loans | $113,288,750 | 3,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7199% | 844 |
| Cost of funding earning assets | 1.1651% | 2,807 |
| Net interest margin | 4.5548% | 1,003 |
| Noninterest income to average assets | 0.1821% | 6,355 |
| Noninterest expense to average assets | 2.2887% | 6,161 |
| Loan and lease loss provision to assets | 0.1572% | 4,348 |
| Net operating income to assets | 1.8027% | 504 |
| Return on assets (ROA) | 1.8014% | 540 |
| Pretax return on assets | 1.8014% | 882 |
| Return on Equity (ROE) | 13.6404% | 1,062 |
| Retained earnings to average equity (ytd only) | -4.3848% | 6,512 |
| Net charge-offs to loans | 0.2580% | 3,595 |
| Credit loss provision to net charge-offs | 82.1918% | 3,704 |
| Earnings coverage of net charge-offs (x) | 10.2466% | 1,835 |
| Efficiency ratio | 53.8699% | 6,631 |
| Assets per employee ($millions) | 5.8258% | 1,286 |
| Cash dividends to net income (ytd only)* | 132.1455% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,548 |
| Loan loss allowance to noncurrent loans | 37.5817% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 5.6057% | 1,041 |
| Noncurrent loans to loans | 4.3555% | 1,547 |
| Net loans and leases to total assets | 72.9980% | 1,593 |
| Net loans and leases to deposits | 84.7442% | 1,984 |
| Net loans and leases to core deposits | 88.3535% | 2,589 |
| Total domestic deposits to total assets | 86.1392% | 3,251 |
| Equity capital to assets | 13.3558% | 1,355 |
| Core capital (leverage) ratio | 11.2344% | 2,087 |
| Tier 1 risk-based capital ratio | 14.2795% | 3,953 |
| Total risk-based capital ratio | 15.5336% | 3,927 |
| Memoranda: | ||
| Average total assets | $152,660,670 | 3,808 |
| Average earning assets | $136,295,000 | 3,850 |
| Average equity | $20,160,670 | 3,102 |
| Average total loans | $113,196,670 | 3,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7179% | 847 |
| Cost of funding earning assets | 1.1857% | 2,910 |
| Net interest margin | 4.5321% | 999 |
| Noninterest income to average assets | -0.0940% | 7,384 |
| Noninterest expense to average assets | 2.2290% | 6,360 |
| Loan and lease loss provision to assets | 0.1566% | 4,072 |
| Net operating income to assets | 1.5608% | 759 |
| Return on assets (ROA) | 1.5582% | 801 |
| Pretax return on assets | 1.5582% | 1,285 |
| Return on Equity (ROE) | 11.8652% | 1,496 |
| Retained earnings to average equity (ytd only) | -4.7103% | 6,494 |
| Net charge-offs to loans | 0.5036% | 2,216 |
| Credit loss provision to net charge-offs | 41.9580% | 3,907 |
| Earnings coverage of net charge-offs (x) | 4.6014% | 2,434 |
| Efficiency ratio | 56.4815% | 6,446 |
| Assets per employee ($millions) | 6.0839% | 1,147 |
| Cash dividends to net income (ytd only)* | 139.6985% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,799 |
| Loan loss allowance to noncurrent loans | 35.7673% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 5.8443% | 1,008 |
| Noncurrent loans to loans | 4.4270% | 1,588 |
| Net loans and leases to total assets | 72.8621% | 1,541 |
| Net loans and leases to deposits | 86.4182% | 1,664 |
| Net loans and leases to core deposits | 90.3835% | 2,306 |
| Total domestic deposits to total assets | 84.3133% | 4,363 |
| Equity capital to assets | 13.2521% | 1,280 |
| Core capital (leverage) ratio | 11.3993% | 1,911 |
| Tier 1 risk-based capital ratio | 14.4823% | 3,750 |
| Total risk-based capital ratio | 15.7355% | 3,708 |
| Memoranda: | ||
| Average total assets | $153,256,000 | 3,827 |
| Average earning assets | $136,624,500 | 3,881 |
| Average equity | $20,126,000 | 3,092 |
| Average total loans | $113,590,000 | 3,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 945 |
| Cost of funding earning assets | 1.4640% | 2,870 |
| Net interest margin | 4.4837% | 1,263 |
| Noninterest income to average assets | 0.1532% | 6,626 |
| Noninterest expense to average assets | 2.0784% | 6,896 |
| Loan and lease loss provision to assets | 0.3602% | 3,963 |
| Net operating income to assets | 1.6855% | 535 |
| Return on assets (ROA) | 1.6855% | 573 |
| Pretax return on assets | 1.6855% | 973 |
| Return on Equity (ROE) | 13.0915% | 1,068 |
| Retained earnings to average equity (ytd only) | 5.8439% | 1,909 |
| Net charge-offs to loans | 0.4737% | 3,723 |
| Credit loss provision to net charge-offs | 97.8648% | 4,735 |
| Earnings coverage of net charge-offs (x) | 5.5587% | 2,594 |
| Efficiency ratio | 50.3970% | 7,093 |
| Assets per employee ($millions) | 6.1766% | 1,096 |
| Cash dividends to net income (ytd only)* | 55.3613% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,472 |
| Loan loss allowance to noncurrent loans | 35.3409% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 6.2442% | 924 |
| Noncurrent loans to loans | 4.6083% | 1,526 |
| Net loans and leases to total assets | 72.9916% | 1,873 |
| Net loans and leases to deposits | 86.2640% | 2,048 |
| Net loans and leases to core deposits | 90.2843% | 2,727 |
| Total domestic deposits to total assets | 84.6142% | 4,051 |
| Equity capital to assets | 13.0143% | 1,385 |
| Core capital (leverage) ratio | 11.1863% | 2,025 |
| Tier 1 risk-based capital ratio | 14.4772% | 3,560 |
| Total risk-based capital ratio | 15.7312% | 3,514 |
| Memoranda: | ||
| Average total assets | $152,710,000 | 3,831 |
| Average earning assets | $135,246,800 | 3,906 |
| Average equity | $19,661,600 | 3,195 |
| Average total loans | $118,642,600 | 3,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9805% | 976 |
| Cost of funding earning assets | 1.5035% | 2,955 |
| Net interest margin | 4.4770% | 1,311 |
| Noninterest income to average assets | 0.2215% | 6,325 |
| Noninterest expense to average assets | 2.1810% | 6,657 |
| Loan and lease loss provision to assets | 0.4465% | 3,237 |
| Net operating income to assets | 1.5567% | 815 |
| Return on assets (ROA) | 1.5567% | 892 |
| Pretax return on assets | 1.5567% | 1,457 |
| Return on Equity (ROE) | 12.1240% | 1,469 |
| Retained earnings to average equity (ytd only) | 2.4070% | 4,735 |
| Net charge-offs to loans | 0.5972% | 2,951 |
| Credit loss provision to net charge-offs | 95.1493% | 4,556 |
| Earnings coverage of net charge-offs (x) | 4.2686% | 3,128 |
| Efficiency ratio | 52.1239% | 6,963 |
| Assets per employee ($millions) | 6.2030% | 1,114 |
| Cash dividends to net income (ytd only)* | 80.1460% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,553 |
| Loan loss allowance to noncurrent loans | 27.8162% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 6.9070% | 788 |
| Noncurrent loans to loans | 5.7232% | 1,138 |
| Net loans and leases to total assets | 73.8236% | 1,840 |
| Net loans and leases to deposits | 87.3755% | 2,101 |
| Net loans and leases to core deposits | 92.1510% | 2,777 |
| Total domestic deposits to total assets | 84.4901% | 3,870 |
| Equity capital to assets | 12.9653% | 1,593 |
| Core capital (leverage) ratio | 11.0593% | 2,220 |
| Tier 1 risk-based capital ratio | 13.9856% | 3,850 |
| Total risk-based capital ratio | 15.2395% | 3,814 |
| Memoranda: | ||
| Average total assets | $152,283,750 | 3,894 |
| Average earning assets | $134,790,750 | 3,974 |
| Average equity | $19,553,000 | 3,247 |
| Average total loans | $119,659,250 | 3,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0694% | 809 |
| Cost of funding earning assets | 1.5578% | 2,916 |
| Net interest margin | 4.5116% | 1,178 |
| Noninterest income to average assets | 0.2326% | 6,245 |
| Noninterest expense to average assets | 2.1909% | 6,667 |
| Loan and lease loss provision to assets | 0.6211% | 2,306 |
| Net operating income to assets | 1.4007% | 1,091 |
| Return on assets (ROA) | 1.4007% | 1,154 |
| Pretax return on assets | 1.4007% | 1,837 |
| Return on Equity (ROE) | 10.9455% | 1,774 |
| Retained earnings to average equity (ytd only) | -0.3408% | 5,802 |
| Net charge-offs to loans | 0.8578% | 2,116 |
| Credit loss provision to net charge-offs | 90.7336% | 4,405 |
| Earnings coverage of net charge-offs (x) | 2.9537% | 3,520 |
| Efficiency ratio | 52.0075% | 7,068 |
| Assets per employee ($millions) | 5.9544% | 1,260 |
| Cash dividends to net income (ytd only)* | 103.1132% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,757 |
| Loan loss allowance to noncurrent loans | 41.3559% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 5.7201% | 1,056 |
| Noncurrent loans to loans | 3.7042% | 2,110 |
| Net loans and leases to total assets | 79.0187% | 951 |
| Net loans and leases to deposits | 95.2230% | 1,123 |
| Net loans and leases to core deposits | 95.2230% | 2,554 |
| Total domestic deposits to total assets | 82.9828% | 4,584 |
| Equity capital to assets | 13.0336% | 1,555 |
| Core capital (leverage) ratio | 10.6607% | 2,490 |
| Tier 1 risk-based capital ratio | 13.3335% | 4,178 |
| Total risk-based capital ratio | 14.5868% | 4,138 |
| Memoranda: | ||
| Average total assets | $151,353,330 | 3,931 |
| Average earning assets | $133,522,670 | 4,032 |
| Average equity | $19,368,670 | 3,258 |
| Average total loans | $120,767,670 | 3,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0637% | 850 |
| Cost of funding earning assets | 1.5678% | 3,152 |
| Net interest margin | 4.4959% | 1,151 |
| Noninterest income to average assets | 0.1206% | 7,086 |
| Noninterest expense to average assets | 2.1389% | 6,840 |
| Loan and lease loss provision to assets | 1.0747% | 1,150 |
| Net operating income to assets | 0.8834% | 2,619 |
| Return on assets (ROA) | 0.8834% | 2,692 |
| Pretax return on assets | 0.8834% | 3,525 |
| Return on Equity (ROE) | 6.9657% | 3,360 |
| Retained earnings to average equity (ytd only) | -0.6821% | 5,989 |
| Net charge-offs to loans | 1.6504% | 1,052 |
| Credit loss provision to net charge-offs | 81.8363% | 3,830 |
| Earnings coverage of net charge-offs (x) | 1.4910% | 3,839 |
| Efficiency ratio | 52.2073% | 7,130 |
| Assets per employee ($millions) | 6.1271% | 1,176 |
| Cash dividends to net income (ytd only)* | 109.7923% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,954 |
| Loan loss allowance to noncurrent loans | 56.1244% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 5.1542% | 1,229 |
| Noncurrent loans to loans | 2.6555% | 3,020 |
| Net loans and leases to total assets | 77.1108% | 1,309 |
| Net loans and leases to deposits | 96.1684% | 1,084 |
| Net loans and leases to core deposits | 96.1684% | 2,565 |
| Total domestic deposits to total assets | 80.1831% | 5,724 |
| Equity capital to assets | 12.6083% | 1,698 |
| Core capital (leverage) ratio | 10.7246% | 2,435 |
| Tier 1 risk-based capital ratio | 13.0853% | 4,271 |
| Total risk-based capital ratio | 14.3381% | 4,243 |
| Memoranda: | ||
| Average total assets | $152,599,500 | 3,972 |
| Average earning assets | $134,966,000 | 4,057 |
| Average equity | $19,352,000 | 3,283 |
| Average total loans | $121,422,500 | 3,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3123% | 1,003 |
| Cost of funding earning assets | 2.0104% | 2,917 |
| Net interest margin | 4.3019% | 1,712 |
| Noninterest income to average assets | 0.2261% | 6,496 |
| Noninterest expense to average assets | 2.0645% | 7,257 |
| Loan and lease loss provision to assets | 0.6681% | 3,143 |
| Net operating income to assets | 1.3465% | 951 |
| Return on assets (ROA) | 1.3465% | 995 |
| Pretax return on assets | 1.3465% | 1,568 |
| Return on Equity (ROE) | 11.3192% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.5180% | 2,094 |
| Net charge-offs to loans | 0.5012% | 3,772 |
| Credit loss provision to net charge-offs | 160.2151% | 2,783 |
| Earnings coverage of net charge-offs (x) | 4.8310% | 2,798 |
| Efficiency ratio | 50.6124% | 7,501 |
| Assets per employee ($millions) | 6.0809% | 1,197 |
| Cash dividends to net income (ytd only)* | 60.0856% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,588 |
| Loan loss allowance to noncurrent loans | 49.4471% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 5.3288% | 1,108 |
| Noncurrent loans to loans | 3.0893% | 2,476 |
| Net loans and leases to total assets | 79.6358% | 1,058 |
| Net loans and leases to deposits | 99.7989% | 921 |
| Net loans and leases to core deposits | 151.4720% | 477 |
| Total domestic deposits to total assets | 79.7963% | 5,729 |
| Equity capital to assets | 12.7554% | 1,615 |
| Core capital (leverage) ratio | 10.7053% | 2,426 |
| Tier 1 risk-based capital ratio | 12.9230% | 4,192 |
| Total risk-based capital ratio | 14.1755% | 4,143 |
| Memoranda: | ||
| Average total assets | $156,112,600 | 3,857 |
| Average earning assets | $139,823,200 | 3,911 |
| Average equity | $18,570,200 | 3,413 |
| Average total loans | $129,889,000 | 3,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3385% | 1,047 |
| Cost of funding earning assets | 2.1065% | 2,861 |
| Net interest margin | 4.2320% | 1,935 |
| Noninterest income to average assets | 0.1773% | 6,948 |
| Noninterest expense to average assets | 2.1213% | 7,150 |
| Loan and lease loss provision to assets | 0.8341% | 2,293 |
| Net operating income to assets | 1.0233% | 1,980 |
| Return on assets (ROA) | 1.0233% | 2,050 |
| Pretax return on assets | 1.0233% | 2,826 |
| Return on Equity (ROE) | 8.7556% | 2,354 |
| Retained earnings to average equity (ytd only) | -0.1234% | 5,235 |
| Net charge-offs to loans | 0.6554% | 2,718 |
| Credit loss provision to net charge-offs | 151.9320% | 3,149 |
| Earnings coverage of net charge-offs (x) | 3.3833% | 3,554 |
| Efficiency ratio | 53.3163% | 7,307 |
| Assets per employee ($millions) | 6.0067% | 1,211 |
| Cash dividends to net income (ytd only)* | 101.4099% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 3,559 |
| Loan loss allowance to noncurrent loans | 46.9346% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 5.4506% | 1,055 |
| Noncurrent loans to loans | 3.1509% | 2,398 |
| Net loans and leases to total assets | 80.8300% | 1,014 |
| Net loans and leases to deposits | 101.1593% | 997 |
| Net loans and leases to core deposits | 150.9570% | 562 |
| Total domestic deposits to total assets | 79.9037% | 5,468 |
| Equity capital to assets | 12.5374% | 1,926 |
| Core capital (leverage) ratio | 10.1704% | 3,093 |
| Tier 1 risk-based capital ratio | 12.1717% | 4,821 |
| Total risk-based capital ratio | 13.4241% | 4,766 |
| Memoranda: | ||
| Average total assets | $157,135,250 | 3,855 |
| Average earning assets | $141,144,000 | 3,906 |
| Average equity | $18,365,000 | 3,473 |
| Average total loans | $131,625,750 | 3,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3920% | 1,025 |
| Cost of funding earning assets | 2.2164% | 2,716 |
| Net interest margin | 4.1756% | 2,074 |
| Noninterest income to average assets | 0.3386% | 5,806 |
| Noninterest expense to average assets | 2.1611% | 7,149 |
| Loan and lease loss provision to assets | 0.8567% | 1,960 |
| Net operating income to assets | 1.0874% | 1,813 |
| Return on assets (ROA) | 1.0874% | 1,892 |
| Pretax return on assets | 1.0874% | 2,677 |
| Return on Equity (ROE) | 9.5217% | 2,183 |
| Retained earnings to average equity (ytd only) | -1.5705% | 5,638 |
| Net charge-offs to loans | 0.4880% | 2,874 |
| Credit loss provision to net charge-offs | 208.2317% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.7256% | 3,022 |
| Efficiency ratio | 52.6428% | 7,465 |
| Assets per employee ($millions) | 6.2934% | 1,059 |
| Cash dividends to net income (ytd only)* | 116.4937% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,645 |
| Loan loss allowance to noncurrent loans | 51.1673% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.7872% | 1,145 |
| Noncurrent loans to loans | 2.7663% | 2,603 |
| Net loans and leases to total assets | 81.4974% | 1,049 |
| Net loans and leases to deposits | 102.2357% | 1,061 |
| Net loans and leases to core deposits | 159.0099% | 471 |
| Total domestic deposits to total assets | 79.7153% | 5,558 |
| Equity capital to assets | 11.5696% | 2,492 |
| Core capital (leverage) ratio | 9.8416% | 3,463 |
| Tier 1 risk-based capital ratio | 11.3607% | 5,544 |
| Total risk-based capital ratio | 12.6123% | 5,445 |
| Memoranda: | ||
| Average total assets | $159,458,000 | 3,837 |
| Average earning assets | $143,835,330 | 3,865 |
| Average equity | $18,211,000 | 3,523 |
| Average total loans | $134,433,670 | 3,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5055% | 854 |
| Cost of funding earning assets | 2.3102% | 2,654 |
| Net interest margin | 4.1953% | 1,914 |
| Noninterest income to average assets | 0.3514% | 5,635 |
| Noninterest expense to average assets | 2.0234% | 7,295 |
| Loan and lease loss provision to assets | 1.7020% | 731 |
| Net operating income to assets | 0.4137% | 4,806 |
| Return on assets (ROA) | 0.4137% | 4,982 |
| Pretax return on assets | 0.4137% | 5,351 |
| Return on Equity (ROE) | 3.6453% | 5,109 |
| Retained earnings to average equity (ytd only) | -6.5221% | 6,744 |
| Net charge-offs to loans | 0.8842% | 1,481 |
| Credit loss provision to net charge-offs | 226.1589% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.8113% | 3,374 |
| Efficiency ratio | 48.8862% | 7,675 |
| Assets per employee ($millions) | 6.3306% | 1,031 |
| Cash dividends to net income (ytd only)* | 278.9157% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 3,541 |
| Loan loss allowance to noncurrent loans | 141.7616% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 2.5767% | 2,224 |
| Noncurrent loans to loans | 0.9822% | 5,029 |
| Net loans and leases to total assets | 83.5396% | 760 |
| Net loans and leases to deposits | 104.4146% | 982 |
| Net loans and leases to core deposits | 162.5669% | 456 |
| Total domestic deposits to total assets | 80.0076% | 5,364 |
| Equity capital to assets | 11.4087% | 2,654 |
| Core capital (leverage) ratio | 9.4640% | 4,026 |
| Tier 1 risk-based capital ratio | 10.9695% | 5,929 |
| Total risk-based capital ratio | 12.2207% | 5,835 |
| Memoranda: | ||
| Average total assets | $160,519,500 | 3,823 |
| Average earning assets | $144,924,500 | 3,858 |
| Average equity | $18,215,000 | 3,536 |
| Average total loans | $136,618,000 | 3,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3171% | 576 |
| Cost of funding earning assets | 2.5882% | 3,739 |
| Net interest margin | 4.7289% | 919 |
| Noninterest income to average assets | 0.3298% | 6,086 |
| Noninterest expense to average assets | 2.1836% | 7,008 |
| Loan and lease loss provision to assets | 0.1649% | 5,275 |
| Net operating income to assets | 2.2647% | 209 |
| Return on assets (ROA) | 2.3190% | 180 |
| Pretax return on assets | 2.3190% | 300 |
| Return on Equity (ROE) | 19.2336% | 434 |
| Retained earnings to average equity (ytd only) | 6.0237% | 1,522 |
| Net charge-offs to loans | 0.0948% | 5,379 |
| Credit loss provision to net charge-offs | 205.1282% | 2,368 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,168 |
| Efficiency ratio | 47.3339% | 7,857 |
| Assets per employee ($millions) | 6.5110% | 885 |
| Cash dividends to net income (ytd only)* | 68.6815% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,499 |
| Loan loss allowance to noncurrent loans | 60.2107% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.5987% | 1,852 |
| Noncurrent loans to loans | 1.7736% | 3,103 |
| Net loans and leases to total assets | 84.5768% | 796 |
| Net loans and leases to deposits | 110.9697% | 770 |
| Net loans and leases to core deposits | 169.8674% | 401 |
| Total domestic deposits to total assets | 76.2161% | 6,189 |
| Equity capital to assets | 11.2880% | 2,817 |
| Core capital (leverage) ratio | 9.8244% | 3,618 |
| Tier 1 risk-based capital ratio | 9.9498% | 6,795 |
| Total risk-based capital ratio | 10.9202% | 7,013 |
| Memoranda: | ||
| Average total assets | $145,539,000 | 3,982 |
| Average earning assets | $131,827,400 | 4,016 |
| Average equity | $17,547,400 | 3,636 |
| Average total loans | $123,383,000 | 3,392 |