Home > First Security Bank & Trust Company > Performance and Condition Ratios
First Security Bank & Trust Company, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,417 |
| Cost of funding earning assets | 0.2786% | 5,210 |
| Net interest margin | 3.5499% | 3,572 |
| Noninterest income to average assets | 0.3523% | 4,607 |
| Noninterest expense to average assets | 2.9399% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7590% | 3,521 |
| Return on assets (ROA) | 0.0705% | 6,118 |
| Pretax return on assets | 0.0705% | 6,123 |
| Return on Equity (ROE) | 0.5659% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.5659% | 5,516 |
| Net charge-offs to loans | -0.0254% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4805% | 2,098 |
| Assets per employee ($millions) | 3.7416% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7410% | 505 |
| Loan loss allowance to noncurrent loans | 611.5108% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 4,290 |
| Noncurrent loans to loans | 0.4482% | 4,639 |
| Net loans and leases to total assets | 50.3817% | 4,918 |
| Net loans and leases to deposits | 60.5910% | 4,815 |
| Net loans and leases to core deposits | 62.4270% | 4,936 |
| Total domestic deposits to total assets | 83.1504% | 4,246 |
| Equity capital to assets | 13.3550% | 1,211 |
| Core capital (leverage) ratio | 12.5629% | 1,362 |
| Tier 1 risk-based capital ratio | 16.1586% | 3,002 |
| Total risk-based capital ratio | 17.4109% | 2,949 |
| Memoranda: | ||
| Average total assets | $62,451,000 | 5,600 |
| Average earning assets | $58,875,670 | 5,537 |
| Average equity | $7,775,000 | 5,322 |
| Average total loans | $31,555,330 | 5,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,392 |
| Cost of funding earning assets | 0.2853% | 5,214 |
| Net interest margin | 3.5369% | 3,538 |
| Noninterest income to average assets | 0.3138% | 4,854 |
| Noninterest expense to average assets | 2.8426% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8158% | 3,076 |
| Return on assets (ROA) | 0.8158% | 3,149 |
| Pretax return on assets | 0.8158% | 4,049 |
| Return on Equity (ROE) | 6.7841% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.7841% | 2,153 |
| Net charge-offs to loans | -0.0251% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7015% | 2,515 |
| Assets per employee ($millions) | 4.0068% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6504% | 675 |
| Loan loss allowance to noncurrent loans | 3,686.9565% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 5,112 |
| Noncurrent loans to loans | 0.0719% | 5,925 |
| Net loans and leases to total assets | 48.5844% | 5,053 |
| Net loans and leases to deposits | 61.9040% | 4,558 |
| Net loans and leases to core deposits | 64.2803% | 4,670 |
| Total domestic deposits to total assets | 78.4835% | 5,756 |
| Equity capital to assets | 12.1824% | 1,755 |
| Core capital (leverage) ratio | 12.1436% | 1,579 |
| Tier 1 risk-based capital ratio | 18.6378% | 2,079 |
| Total risk-based capital ratio | 19.8985% | 2,038 |
| Memoranda: | ||
| Average total assets | $63,744,000 | 5,627 |
| Average earning assets | $60,278,000 | 5,556 |
| Average equity | $7,665,000 | 5,378 |
| Average total loans | $31,827,500 | 5,635 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,352 |
| Cost of funding earning assets | 0.3877% | 4,771 |
| Net interest margin | 3.5426% | 3,721 |
| Noninterest income to average assets | 0.4657% | 3,988 |
| Noninterest expense to average assets | 3.6817% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0941% | 6,057 |
| Return on assets (ROA) | 0.0941% | 6,109 |
| Pretax return on assets | 0.0941% | 6,101 |
| Return on Equity (ROE) | 0.7401% | 6,124 |
| Retained earnings to average equity (ytd only) | -10.3732% | 6,542 |
| Net charge-offs to loans | -0.0095% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7658% | 1,779 |
| Assets per employee ($millions) | 3.9612% | 3,940 |
| Cash dividends to net income (ytd only)* | 1,501.6667% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6721% | 679 |
| Loan loss allowance to noncurrent loans | 8,460.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 5,272 |
| Noncurrent loans to loans | 0.0316% | 6,158 |
| Net loans and leases to total assets | 48.6186% | 5,229 |
| Net loans and leases to deposits | 63.4425% | 4,567 |
| Net loans and leases to core deposits | 67.1885% | 4,594 |
| Total domestic deposits to total assets | 76.6342% | 6,036 |
| Equity capital to assets | 11.8651% | 1,895 |
| Core capital (leverage) ratio | 11.7087% | 1,820 |
| Tier 1 risk-based capital ratio | 18.6135% | 2,050 |
| Total risk-based capital ratio | 19.8744% | 2,006 |
| Memoranda: | ||
| Average total assets | $63,775,000 | 5,656 |
| Average earning assets | $59,589,400 | 5,604 |
| Average equity | $8,107,400 | 5,307 |
| Average total loans | $31,445,400 | 5,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 4,503 |
| Cost of funding earning assets | 0.4106% | 4,720 |
| Net interest margin | 3.4889% | 3,924 |
| Noninterest income to average assets | 0.4383% | 4,237 |
| Noninterest expense to average assets | 3.7970% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1127% | 6,397 |
| Return on assets (ROA) | -0.1127% | 6,430 |
| Pretax return on assets | -0.1127% | 6,410 |
| Return on Equity (ROE) | -0.8723% | 6,416 |
| Retained earnings to average equity (ytd only) | -15.4260% | 6,708 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9462% | 1,711 |
| Assets per employee ($millions) | 3.8512% | 4,126 |
| Cash dividends to net income (ytd only)* | -1,668.4722% | 6,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 838 |
| Loan loss allowance to noncurrent loans | 9,377.7778% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 5,453 |
| Noncurrent loans to loans | 0.0276% | 6,270 |
| Net loans and leases to total assets | 48.5085% | 5,297 |
| Net loans and leases to deposits | 60.8084% | 4,892 |
| Net loans and leases to core deposits | 64.7733% | 4,818 |
| Total domestic deposits to total assets | 79.7727% | 5,566 |
| Equity capital to assets | 11.3944% | 2,387 |
| Core capital (leverage) ratio | 11.5971% | 1,955 |
| Tier 1 risk-based capital ratio | 19.9362% | 1,751 |
| Total risk-based capital ratio | 21.1877% | 1,721 |
| Memoranda: | ||
| Average total assets | $63,874,000 | 5,712 |
| Average earning assets | $59,425,500 | 5,666 |
| Average equity | $8,254,250 | 5,324 |
| Average total loans | $31,391,750 | 5,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 4,492 |
| Cost of funding earning assets | 0.4569% | 4,352 |
| Net interest margin | 3.4402% | 4,041 |
| Noninterest income to average assets | 0.4042% | 4,492 |
| Noninterest expense to average assets | 4.1710% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5810% | 6,662 |
| Return on assets (ROA) | -0.5810% | 6,674 |
| Pretax return on assets | -0.5810% | 6,657 |
| Return on Equity (ROE) | -4.3198% | 6,623 |
| Retained earnings to average equity (ytd only) | -12.5602% | 6,721 |
| Net charge-offs to loans | 0.0129% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -92.0000% | 4,903 |
| Efficiency ratio | 84.9604% | 1,535 |
| Assets per employee ($millions) | 3.6656% | 4,481 |
| Cash dividends to net income (ytd only)* | -190.7609% | 6,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6582% | 821 |
| Loan loss allowance to noncurrent loans | 3,660.8696% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 5,416 |
| Noncurrent loans to loans | 0.0726% | 6,174 |
| Net loans and leases to total assets | 49.4793% | 5,162 |
| Net loans and leases to deposits | 59.9223% | 4,988 |
| Net loans and leases to core deposits | 62.9039% | 5,017 |
| Total domestic deposits to total assets | 82.5724% | 4,862 |
| Equity capital to assets | 12.8139% | 1,414 |
| Core capital (leverage) ratio | 12.5002% | 1,358 |
| Tier 1 risk-based capital ratio | 19.8526% | 1,751 |
| Total risk-based capital ratio | 20.9929% | 1,761 |
| Memoranda: | ||
| Average total assets | $63,341,670 | 5,766 |
| Average earning assets | $58,660,000 | 5,736 |
| Average equity | $8,519,000 | 5,303 |
| Average total loans | $30,988,000 | 5,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,722 |
| Cost of funding earning assets | 0.4465% | 4,631 |
| Net interest margin | 3.3829% | 4,185 |
| Noninterest income to average assets | 0.4072% | 4,407 |
| Noninterest expense to average assets | 5.2557% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.7164% | 6,901 |
| Return on assets (ROA) | -1.7164% | 6,905 |
| Pretax return on assets | -1.7164% | 6,895 |
| Return on Equity (ROE) | -12.4744% | 6,840 |
| Retained earnings to average equity (ytd only) | -28.4544% | 6,894 |
| Net charge-offs to loans | -0.0261% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6637% | 1,555 |
| Assets per employee ($millions) | 4.0259% | 3,889 |
| Cash dividends to net income (ytd only)* | -128.1022% | 6,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7649% | 853 |
| Loan loss allowance to noncurrent loans | 3,384.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,549 |
| Noncurrent loans to loans | 0.0817% | 6,240 |
| Net loans and leases to total assets | 46.1887% | 5,419 |
| Net loans and leases to deposits | 58.2482% | 5,001 |
| Net loans and leases to core deposits | 61.1238% | 5,041 |
| Total domestic deposits to total assets | 79.2964% | 5,909 |
| Equity capital to assets | 13.1400% | 1,363 |
| Core capital (leverage) ratio | 12.2123% | 1,454 |
| Tier 1 risk-based capital ratio | 22.7641% | 1,195 |
| Total risk-based capital ratio | 24.0140% | 1,176 |
| Memoranda: | ||
| Average total assets | $63,855,000 | 5,809 |
| Average earning assets | $59,120,000 | 5,776 |
| Average equity | $8,786,000 | 5,281 |
| Average total loans | $30,644,500 | 5,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 5,316 |
| Cost of funding earning assets | 0.5648% | 4,690 |
| Net interest margin | 3.4320% | 4,771 |
| Noninterest income to average assets | 0.3013% | 5,303 |
| Noninterest expense to average assets | 3.5581% | 1,706 |
| Loan and lease loss provision to assets | -0.5129% | 7,044 |
| Net operating income to assets | 0.4215% | 5,002 |
| Return on assets (ROA) | 1.1411% | 1,970 |
| Pretax return on assets | 1.1411% | 3,015 |
| Return on Equity (ROE) | 7.8579% | 3,146 |
| Retained earnings to average equity (ytd only) | 1.0374% | 5,356 |
| Net charge-offs to loans | -0.1140% | 6,851 |
| Credit loss provision to net charge-offs | 969.6970% | 262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5446% | 775 |
| Assets per employee ($millions) | 3.7233% | 4,522 |
| Cash dividends to net income (ytd only)* | 86.7978% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7500% | 878 |
| Loan loss allowance to noncurrent loans | 3,376.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 5,625 |
| Noncurrent loans to loans | 0.0815% | 6,280 |
| Net loans and leases to total assets | 47.1546% | 5,496 |
| Net loans and leases to deposits | 60.5158% | 4,970 |
| Net loans and leases to core deposits | 63.0348% | 5,058 |
| Total domestic deposits to total assets | 77.9212% | 6,096 |
| Equity capital to assets | 14.3895% | 911 |
| Core capital (leverage) ratio | 12.9601% | 1,127 |
| Tier 1 risk-based capital ratio | 21.3054% | 1,398 |
| Total risk-based capital ratio | 22.5597% | 1,373 |
| Memoranda: | ||
| Average total assets | $62,393,400 | 5,866 |
| Average earning assets | $57,546,000 | 5,824 |
| Average equity | $9,061,000 | 5,205 |
| Average total loans | $28,956,000 | 5,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 5,471 |
| Cost of funding earning assets | 0.5964% | 4,689 |
| Net interest margin | 3.4205% | 4,962 |
| Noninterest income to average assets | 0.2338% | 5,878 |
| Noninterest expense to average assets | 3.5194% | 1,712 |
| Loan and lease loss provision to assets | -0.6863% | 7,159 |
| Net operating income to assets | 0.5619% | 4,562 |
| Return on assets (ROA) | 1.1817% | 1,986 |
| Pretax return on assets | 1.1817% | 3,055 |
| Return on Equity (ROE) | 8.1184% | 3,228 |
| Retained earnings to average equity (ytd only) | -1.0019% | 6,277 |
| Net charge-offs to loans | -0.1496% | 6,938 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6090% | 855 |
| Assets per employee ($millions) | 3.5315% | 4,901 |
| Cash dividends to net income (ytd only)* | 112.3406% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9675% | 743 |
| Loan loss allowance to noncurrent loans | 4,677.7778% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 5,788 |
| Noncurrent loans to loans | 0.0634% | 6,459 |
| Net loans and leases to total assets | 45.8592% | 5,779 |
| Net loans and leases to deposits | 60.0794% | 5,199 |
| Net loans and leases to core deposits | 63.3823% | 5,218 |
| Total domestic deposits to total assets | 76.3309% | 6,338 |
| Equity capital to assets | 15.2292% | 765 |
| Core capital (leverage) ratio | 12.6942% | 1,322 |
| Tier 1 risk-based capital ratio | 23.1985% | 1,145 |
| Total risk-based capital ratio | 24.2968% | 1,141 |
| Memoranda: | ||
| Average total assets | $62,167,750 | 5,937 |
| Average earning assets | $57,455,250 | 5,891 |
| Average equity | $9,049,250 | 5,255 |
| Average total loans | $28,522,250 | 6,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 5,503 |
| Cost of funding earning assets | 0.6258% | 4,670 |
| Net interest margin | 3.4180% | 5,011 |
| Noninterest income to average assets | 0.1622% | 6,365 |
| Noninterest expense to average assets | 3.6292% | 1,516 |
| Loan and lease loss provision to assets | -1.0178% | 7,226 |
| Net operating income to assets | 0.7125% | 3,799 |
| Return on assets (ROA) | 1.6317% | 871 |
| Pretax return on assets | 1.6317% | 1,452 |
| Return on Equity (ROE) | 11.3772% | 1,856 |
| Retained earnings to average equity (ytd only) | 3.1936% | 4,488 |
| Net charge-offs to loans | -0.2100% | 7,006 |
| Credit loss provision to net charge-offs | 1,066.6667% | 310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4402% | 898 |
| Assets per employee ($millions) | 3.7551% | 4,414 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9899% | 787 |
| Loan loss allowance to noncurrent loans | 3,818.1818% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 5,902 |
| Noncurrent loans to loans | 0.0783% | 6,467 |
| Net loans and leases to total assets | 42.6947% | 6,132 |
| Net loans and leases to deposits | 55.1018% | 5,757 |
| Net loans and leases to core deposits | 57.8392% | 5,788 |
| Total domestic deposits to total assets | 77.4833% | 6,250 |
| Equity capital to assets | 14.5887% | 892 |
| Core capital (leverage) ratio | 13.1125% | 1,117 |
| Tier 1 risk-based capital ratio | 24.9518% | 906 |
| Total risk-based capital ratio | 26.0473% | 910 |
| Memoranda: | ||
| Average total assets | $62,878,330 | 5,951 |
| Average earning assets | $58,163,000 | 5,902 |
| Average equity | $9,018,000 | 5,262 |
| Average total loans | $28,571,670 | 6,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 5,010 |
| Cost of funding earning assets | 0.6928% | 4,343 |
| Net interest margin | 3.5333% | 4,557 |
| Noninterest income to average assets | 0.0769% | 6,839 |
| Noninterest expense to average assets | 4.4744% | 564 |
| Loan and lease loss provision to assets | -2.0513% | 7,300 |
| Net operating income to assets | 0.9231% | 2,819 |
| Return on assets (ROA) | 0.9231% | 3,026 |
| Pretax return on assets | 0.9231% | 3,957 |
| Return on Equity (ROE) | 6.4934% | 4,044 |
| Retained earnings to average equity (ytd only) | -10.1460% | 6,842 |
| Net charge-offs to loans | -0.3749% | 7,106 |
| Credit loss provision to net charge-offs | 1,185.1852% | 297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1916% | 548 |
| Assets per employee ($millions) | 3.7148% | 4,626 |
| Cash dividends to net income (ytd only)* | 256.2500% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0196% | 815 |
| Loan loss allowance to noncurrent loans | 4,190.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 5,417 |
| Noncurrent loans to loans | 0.0721% | 6,570 |
| Net loans and leases to total assets | 42.6178% | 6,134 |
| Net loans and leases to deposits | 53.8948% | 5,818 |
| Net loans and leases to core deposits | 57.2176% | 5,794 |
| Total domestic deposits to total assets | 79.0759% | 6,057 |
| Equity capital to assets | 13.6639% | 1,166 |
| Core capital (leverage) ratio | 12.1581% | 1,499 |
| Tier 1 risk-based capital ratio | 22.1239% | 1,270 |
| Total risk-based capital ratio | 23.2479% | 1,258 |
| Memoranda: | ||
| Average total assets | $62,399,000 | 5,996 |
| Average earning assets | $57,737,000 | 5,949 |
| Average equity | $8,870,500 | 5,320 |
| Average total loans | $28,810,000 | 6,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 2,119 |
| Cost of funding earning assets | 0.8667% | 4,345 |
| Net interest margin | 4.3202% | 1,630 |
| Noninterest income to average assets | -0.0216% | 7,034 |
| Noninterest expense to average assets | 3.2165% | 2,805 |
| Loan and lease loss provision to assets | 0.0100% | 6,410 |
| Net operating income to assets | 0.5845% | 4,077 |
| Return on assets (ROA) | 0.7771% | 3,309 |
| Pretax return on assets | 0.7771% | 4,062 |
| Return on Equity (ROE) | 5.5083% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,295 |
| Net charge-offs to loans | -0.3809% | 7,262 |
| Credit loss provision to net charge-offs | -4.9587% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4009% | 1,718 |
| Assets per employee ($millions) | 3.6262% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7833% | 441 |
| Loan loss allowance to noncurrent loans | 5,136.3636% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,052 |
| Noncurrent loans to loans | 0.0737% | 6,634 |
| Net loans and leases to total assets | 46.6178% | 5,953 |
| Net loans and leases to deposits | 59.9983% | 5,482 |
| Net loans and leases to core deposits | 63.6769% | 5,498 |
| Total domestic deposits to total assets | 77.6985% | 6,246 |
| Equity capital to assets | 14.7812% | 829 |
| Core capital (leverage) ratio | 12.7390% | 1,243 |
| Tier 1 risk-based capital ratio | 20.9286% | 1,429 |
| Total risk-based capital ratio | 22.0694% | 1,429 |
| Memoranda: | ||
| Average total assets | $60,220,800 | 6,030 |
| Average earning assets | $53,423,400 | 6,062 |
| Average equity | $8,496,200 | 5,408 |
| Average total loans | $31,770,600 | 6,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 2,803 |
| Cost of funding earning assets | 0.8996% | 4,401 |
| Net interest margin | 4.1608% | 2,237 |
| Noninterest income to average assets | -0.2494% | 7,290 |
| Noninterest expense to average assets | 3.3542% | 2,334 |
| Loan and lease loss provision to assets | 0.0134% | 6,267 |
| Net operating income to assets | 0.0401% | 6,093 |
| Return on assets (ROA) | 0.3007% | 5,564 |
| Pretax return on assets | 0.3007% | 5,705 |
| Return on Equity (ROE) | 2.1577% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.1577% | 5,049 |
| Net charge-offs to loans | 0.5127% | 2,709 |
| Credit loss provision to net charge-offs | 4.8387% | 5,706 |
| Earnings coverage of net charge-offs (x) | 0.1936% | 5,449 |
| Efficiency ratio | 98.4314% | 722 |
| Assets per employee ($millions) | 3.6988% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7990% | 1,031 |
| Loan loss allowance to noncurrent loans | 59.7035% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 3.5369% | 1,778 |
| Noncurrent loans to loans | 4.6882% | 1,376 |
| Net loans and leases to total assets | 48.9313% | 5,843 |
| Net loans and leases to deposits | 61.7943% | 5,428 |
| Net loans and leases to core deposits | 65.4235% | 5,480 |
| Total domestic deposits to total assets | 79.1842% | 5,951 |
| Equity capital to assets | 14.0219% | 1,149 |
| Core capital (leverage) ratio | 12.5253% | 1,426 |
| Tier 1 risk-based capital ratio | 19.8015% | 1,734 |
| Total risk-based capital ratio | 20.9418% | 1,731 |
| Memoranda: | ||
| Average total assets | $59,864,500 | 6,090 |
| Average earning assets | $52,616,250 | 6,148 |
| Average equity | $8,342,250 | 5,493 |
| Average total loans | $32,246,250 | 6,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 1,954 |
| Cost of funding earning assets | 0.9637% | 4,225 |
| Net interest margin | 4.3151% | 1,610 |
| Noninterest income to average assets | -0.5131% | 7,430 |
| Noninterest expense to average assets | 3.5644% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3194% | 6,566 |
| Return on assets (ROA) | -0.2175% | 6,524 |
| Pretax return on assets | -0.2175% | 6,470 |
| Return on Equity (ROE) | -1.5640% | 6,473 |
| Retained earnings to average equity (ytd only) | -1.5640% | 6,168 |
| Net charge-offs to loans | -0.1048% | 7,174 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8429% | 476 |
| Assets per employee ($millions) | 3.4266% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2804% | 716 |
| Loan loss allowance to noncurrent loans | 56.0373% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 4.7294% | 1,317 |
| Noncurrent loans to loans | 5.8540% | 1,039 |
| Net loans and leases to total assets | 51.6763% | 5,609 |
| Net loans and leases to deposits | 65.3447% | 5,094 |
| Net loans and leases to core deposits | 69.8624% | 5,091 |
| Total domestic deposits to total assets | 79.0826% | 6,065 |
| Equity capital to assets | 14.4439% | 958 |
| Core capital (leverage) ratio | 12.2168% | 1,495 |
| Tier 1 risk-based capital ratio | 19.4414% | 1,726 |
| Total risk-based capital ratio | 20.5916% | 1,726 |
| Memoranda: | ||
| Average total assets | $58,859,330 | 6,181 |
| Average earning assets | $51,262,330 | 6,247 |
| Average equity | $8,184,000 | 5,553 |
| Average total loans | $32,443,670 | 6,165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 2,122 |
| Cost of funding earning assets | 0.9685% | 4,437 |
| Net interest margin | 4.2598% | 1,703 |
| Noninterest income to average assets | 0.1285% | 6,777 |
| Noninterest expense to average assets | 4.0701% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1352% | 6,495 |
| Return on assets (ROA) | -0.1352% | 6,512 |
| Pretax return on assets | -0.1352% | 6,478 |
| Return on Equity (ROE) | -0.9914% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.9914% | 5,984 |
| Net charge-offs to loans | 0.1208% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,957 |
| Efficiency ratio | 103.4364% | 642 |
| Assets per employee ($millions) | 3.6162% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1320% | 820 |
| Loan loss allowance to noncurrent loans | 65.6519% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 5.0345% | 1,249 |
| Noncurrent loans to loans | 4.7706% | 1,438 |
| Net loans and leases to total assets | 49.9073% | 5,862 |
| Net loans and leases to deposits | 61.6716% | 5,548 |
| Net loans and leases to core deposits | 70.7522% | 4,956 |
| Total domestic deposits to total assets | 80.9243% | 5,684 |
| Equity capital to assets | 13.1092% | 1,338 |
| Core capital (leverage) ratio | 12.2028% | 1,457 |
| Tier 1 risk-based capital ratio | 19.4936% | 1,700 |
| Total risk-based capital ratio | 20.6534% | 1,685 |
| Memoranda: | ||
| Average total assets | $59,162,500 | 6,211 |
| Average earning assets | $52,866,000 | 6,240 |
| Average equity | $8,069,000 | 5,583 |
| Average total loans | $33,103,500 | 6,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 3,162 |
| Cost of funding earning assets | 1.0334% | 5,518 |
| Net interest margin | 4.2601% | 1,952 |
| Noninterest income to average assets | 0.0255% | 7,206 |
| Noninterest expense to average assets | 3.3878% | 2,469 |
| Loan and lease loss provision to assets | 2.4601% | 462 |
| Net operating income to assets | -1.9652% | 7,047 |
| Return on assets (ROA) | -1.1950% | 6,808 |
| Pretax return on assets | -1.1950% | 6,739 |
| Return on Equity (ROE) | -8.7240% | 6,662 |
| Retained earnings to average equity (ytd only) | -10.4084% | 6,681 |
| Net charge-offs to loans | 5.3477% | 148 |
| Credit loss provision to net charge-offs | 76.2704% | 5,687 |
| Earnings coverage of net charge-offs (x) | 0.1534% | 5,958 |
| Efficiency ratio | 87.2541% | 1,545 |
| Assets per employee ($millions) | 3.3441% | 5,325 |
| Cash dividends to net income (ytd only)* | -19.3076% | 7,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 945 |
| Loan loss allowance to noncurrent loans | 59.3732% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 6.1655% | 946 |
| Noncurrent loans to loans | 4.8966% | 1,402 |
| Net loans and leases to total assets | 58.9808% | 4,851 |
| Net loans and leases to deposits | 76.0559% | 3,830 |
| Net loans and leases to core deposits | 88.1255% | 3,037 |
| Total domestic deposits to total assets | 77.5493% | 6,390 |
| Equity capital to assets | 14.2113% | 979 |
| Core capital (leverage) ratio | 12.8158% | 1,192 |
| Tier 1 risk-based capital ratio | 18.5215% | 1,836 |
| Total risk-based capital ratio | 19.6907% | 1,826 |
| Memoranda: | ||
| Average total assets | $62,842,800 | 6,095 |
| Average earning assets | $56,899,600 | 6,101 |
| Average equity | $8,608,400 | 5,526 |
| Average total loans | $37,904,400 | 6,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 3,211 |
| Cost of funding earning assets | 1.0560% | 5,670 |
| Net interest margin | 4.2746% | 1,939 |
| Noninterest income to average assets | -0.2010% | 7,594 |
| Noninterest expense to average assets | 3.4047% | 2,277 |
| Loan and lease loss provision to assets | 2.9591% | 297 |
| Net operating income to assets | -2.6981% | 7,389 |
| Return on assets (ROA) | -1.6951% | 7,171 |
| Pretax return on assets | -1.6951% | 7,102 |
| Return on Equity (ROE) | -12.4776% | 7,030 |
| Retained earnings to average equity (ytd only) | -14.6895% | 7,068 |
| Net charge-offs to loans | 5.9151% | 108 |
| Credit loss provision to net charge-offs | 83.0716% | 5,037 |
| Earnings coverage of net charge-offs (x) | 0.0733% | 5,957 |
| Efficiency ratio | 92.8773% | 1,066 |
| Assets per employee ($millions) | 3.3574% | 5,309 |
| Cash dividends to net income (ytd only)* | -17.7263% | 7,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4141% | 574 |
| Loan loss allowance to noncurrent loans | 55.2827% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 7.0381% | 767 |
| Noncurrent loans to loans | 6.1758% | 995 |
| Net loans and leases to total assets | 59.1327% | 5,077 |
| Net loans and leases to deposits | 79.2365% | 3,591 |
| Net loans and leases to core deposits | 92.4658% | 2,733 |
| Total domestic deposits to total assets | 74.6281% | 6,839 |
| Equity capital to assets | 14.7297% | 959 |
| Core capital (leverage) ratio | 12.3045% | 1,506 |
| Tier 1 risk-based capital ratio | 18.2713% | 1,944 |
| Total risk-based capital ratio | 19.5429% | 1,894 |
| Memoranda: | ||
| Average total assets | $64,341,250 | 6,125 |
| Average earning assets | $58,203,000 | 6,122 |
| Average equity | $8,740,750 | 5,566 |
| Average total loans | $38,747,000 | 6,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 3,548 |
| Cost of funding earning assets | 1.1023% | 5,658 |
| Net interest margin | 4.1806% | 2,217 |
| Noninterest income to average assets | 0.2337% | 6,235 |
| Noninterest expense to average assets | 3.3911% | 2,289 |
| Loan and lease loss provision to assets | 4.2778% | 164 |
| Net operating income to assets | -3.6517% | 7,592 |
| Return on assets (ROA) | -2.6571% | 7,459 |
| Pretax return on assets | -2.6571% | 7,404 |
| Return on Equity (ROE) | -20.0407% | 7,280 |
| Retained earnings to average equity (ytd only) | -20.0407% | 7,259 |
| Net charge-offs to loans | 7.7171% | 68 |
| Credit loss provision to net charge-offs | 92.4870% | 4,349 |
| Earnings coverage of net charge-offs (x) | 0.1354% | 5,587 |
| Efficiency ratio | 84.4146% | 1,874 |
| Assets per employee ($millions) | 3.1204% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6685% | 482 |
| Loan loss allowance to noncurrent loans | 43.0866% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 8.3305% | 572 |
| Noncurrent loans to loans | 8.5143% | 582 |
| Net loans and leases to total assets | 60.5890% | 4,949 |
| Net loans and leases to deposits | 76.3973% | 4,259 |
| Net loans and leases to core deposits | 91.4046% | 3,075 |
| Total domestic deposits to total assets | 79.3078% | 5,940 |
| Equity capital to assets | 14.3300% | 1,055 |
| Core capital (leverage) ratio | 11.7966% | 1,759 |
| Tier 1 risk-based capital ratio | 17.0564% | 2,259 |
| Total risk-based capital ratio | 18.2636% | 2,226 |
| Memoranda: | ||
| Average total assets | $66,763,330 | 6,072 |
| Average earning assets | $60,421,670 | 6,084 |
| Average equity | $8,852,000 | 5,547 |
| Average total loans | $40,015,000 | 6,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 4,032 |
| Cost of funding earning assets | 1.1018% | 5,900 |
| Net interest margin | 4.0959% | 2,456 |
| Noninterest income to average assets | 0.4028% | 4,896 |
| Noninterest expense to average assets | 3.2964% | 2,542 |
| Loan and lease loss provision to assets | 6.0822% | 110 |
| Net operating income to assets | -5.2425% | 7,793 |
| Return on assets (ROA) | -3.8751% | 7,711 |
| Pretax return on assets | -3.8751% | 7,681 |
| Return on Equity (ROE) | -30.2547% | 7,575 |
| Retained earnings to average equity (ytd only) | -30.2547% | 7,547 |
| Net charge-offs to loans | 15.0033% | 19 |
| Credit loss provision to net charge-offs | 69.0722% | 4,122 |
| Earnings coverage of net charge-offs (x) | 0.0954% | 4,948 |
| Efficiency ratio | 79.6982% | 2,613 |
| Assets per employee ($millions) | 3.1956% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 1,210 |
| Loan loss allowance to noncurrent loans | 26.8901% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 8.2443% | 589 |
| Noncurrent loans to loans | 9.5793% | 454 |
| Net loans and leases to total assets | 59.3560% | 5,228 |
| Net loans and leases to deposits | 74.6840% | 4,642 |
| Net loans and leases to core deposits | 91.8590% | 3,123 |
| Total domestic deposits to total assets | 79.4761% | 5,961 |
| Equity capital to assets | 13.4703% | 1,339 |
| Core capital (leverage) ratio | 10.4367% | 2,685 |
| Tier 1 risk-based capital ratio | 16.1334% | 2,594 |
| Total risk-based capital ratio | 17.3256% | 2,575 |
| Memoranda: | ||
| Average total assets | $70,501,000 | 6,034 |
| Average earning assets | $64,259,000 | 6,025 |
| Average equity | $9,030,000 | 5,541 |
| Average total loans | $41,377,500 | 6,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4502% | 4,438 |
| Cost of funding earning assets | 1.5075% | 5,479 |
| Net interest margin | 3.9426% | 3,108 |
| Noninterest income to average assets | 0.3166% | 5,818 |
| Noninterest expense to average assets | 2.5208% | 6,060 |
| Loan and lease loss provision to assets | 2.1266% | 994 |
| Net operating income to assets | -0.7992% | 6,437 |
| Return on assets (ROA) | -0.1183% | 5,709 |
| Pretax return on assets | -0.0848% | 5,580 |
| Return on Equity (ROE) | -1.1389% | 5,712 |
| Retained earnings to average equity (ytd only) | -7.5927% | 6,300 |
| Net charge-offs to loans | 3.7917% | 468 |
| Credit loss provision to net charge-offs | 104.0936% | 5,311 |
| Earnings coverage of net charge-offs (x) | 0.6661% | 5,424 |
| Efficiency ratio | 64.9431% | 5,595 |
| Assets per employee ($millions) | 4.0574% | 3,700 |
| Cash dividends to net income (ytd only)* | -566.6667% | 7,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3868% | 581 |
| Loan loss allowance to noncurrent loans | 23.4922% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 8.3187% | 522 |
| Noncurrent loans to loans | 14.4168% | 192 |
| Net loans and leases to total assets | 54.9130% | 6,091 |
| Net loans and leases to deposits | 74.3219% | 4,985 |
| Net loans and leases to core deposits | 92.0243% | 4,882 |
| Total domestic deposits to total assets | 73.8854% | 7,029 |
| Equity capital to assets | 12.2595% | 1,874 |
| Core capital (leverage) ratio | 10.5689% | 2,533 |
| Tier 1 risk-based capital ratio | 15.9587% | 2,543 |
| Total risk-based capital ratio | 17.1655% | 2,489 |
| Memoranda: | ||
| Average total assets | $83,703,600 | 5,608 |
| Average earning assets | $75,685,800 | 5,613 |
| Average equity | $8,692,600 | 5,704 |
| Average total loans | $45,099,000 | 5,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 4,146 |
| Cost of funding earning assets | 1.5959% | 5,423 |
| Net interest margin | 3.9551% | 3,014 |
| Noninterest income to average assets | 0.2890% | 6,169 |
| Noninterest expense to average assets | 2.5586% | 5,862 |
| Loan and lease loss provision to assets | 2.7804% | 560 |
| Net operating income to assets | -1.5589% | 7,140 |
| Return on assets (ROA) | -1.1169% | 6,913 |
| Pretax return on assets | -1.0466% | 6,716 |
| Return on Equity (ROE) | -11.2115% | 6,969 |
| Retained earnings to average equity (ytd only) | -20.0081% | 7,337 |
| Net charge-offs to loans | 5.0227% | 228 |
| Credit loss provision to net charge-offs | 104.0327% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.4833% | 5,546 |
| Efficiency ratio | 66.4503% | 5,296 |
| Assets per employee ($millions) | 4.6866% | 2,582 |
| Cash dividends to net income (ytd only)* | -78.4614% | 7,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2996% | 503 |
| Loan loss allowance to noncurrent loans | 23.6716% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 7.1289% | 665 |
| Noncurrent loans to loans | 13.9390% | 184 |
| Net loans and leases to total assets | 48.6771% | 6,894 |
| Net loans and leases to deposits | 61.7829% | 6,694 |
| Net loans and leases to core deposits | 79.8059% | 6,372 |
| Total domestic deposits to total assets | 78.7874% | 5,870 |
| Equity capital to assets | 10.2295% | 3,809 |
| Core capital (leverage) ratio | 8.5713% | 5,347 |
| Tier 1 risk-based capital ratio | 14.0098% | 3,543 |
| Total risk-based capital ratio | 15.2236% | 3,511 |
| Memoranda: | ||
| Average total assets | $85,356,750 | 5,577 |
| Average earning assets | $76,860,000 | 5,601 |
| Average equity | $8,503,000 | 5,821 |
| Average total loans | $45,419,500 | 5,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 2,656 |
| Cost of funding earning assets | 1.6498% | 5,515 |
| Net interest margin | 4.2359% | 1,858 |
| Noninterest income to average assets | 0.5040% | 4,410 |
| Noninterest expense to average assets | 2.7221% | 5,298 |
| Loan and lease loss provision to assets | 2.1396% | 747 |
| Net operating income to assets | -0.5539% | 6,603 |
| Return on assets (ROA) | -0.5539% | 6,609 |
| Pretax return on assets | -0.4755% | 6,400 |
| Return on Equity (ROE) | -5.6138% | 6,672 |
| Retained earnings to average equity (ytd only) | -19.1302% | 7,428 |
| Net charge-offs to loans | 5.8398% | 193 |
| Credit loss provision to net charge-offs | 67.5676% | 5,461 |
| Earnings coverage of net charge-offs (x) | 0.5255% | 5,180 |
| Efficiency ratio | 62.0596% | 6,238 |
| Assets per employee ($millions) | 4.4804% | 2,801 |
| Cash dividends to net income (ytd only)* | -240.7725% | 8,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 1,370 |
| Loan loss allowance to noncurrent loans | 17.7390% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 6.5949% | 683 |
| Noncurrent loans to loans | 11.9119% | 230 |
| Net loans and leases to total assets | 53.1124% | 6,558 |
| Net loans and leases to deposits | 69.9296% | 5,994 |
| Net loans and leases to core deposits | 91.7323% | 5,373 |
| Total domestic deposits to total assets | 75.9512% | 6,560 |
| Equity capital to assets | 9.7854% | 4,231 |
| Core capital (leverage) ratio | 8.2130% | 5,964 |
| Tier 1 risk-based capital ratio | 12.3973% | 4,603 |
| Total risk-based capital ratio | 13.5460% | 4,594 |
| Memoranda: | ||
| Average total assets | $84,127,000 | 5,650 |
| Average earning assets | $77,102,000 | 5,627 |
| Average equity | $8,301,000 | 5,917 |
| Average total loans | $45,618,000 | 5,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1243% | 1,849 |
| Cost of funding earning assets | 1.7156% | 5,531 |
| Net interest margin | 4.4087% | 1,326 |
| Noninterest income to average assets | 0.6266% | 3,368 |
| Noninterest expense to average assets | 2.8603% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7745% | 557 |
| Return on assets (ROA) | 1.7745% | 613 |
| Pretax return on assets | 1.8224% | 936 |
| Return on Equity (ROE) | 17.9086% | 594 |
| Retained earnings to average equity (ytd only) | -3.0894% | 6,299 |
| Net charge-offs to loans | 0.6706% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.0132% | 2,770 |
| Efficiency ratio | 61.0827% | 6,239 |
| Assets per employee ($millions) | 4.4127% | 2,861 |
| Cash dividends to net income (ytd only)* | 117.2507% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8912% | 535 |
| Loan loss allowance to noncurrent loans | 71.0021% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2375% | 2,560 |
| Noncurrent loans to loans | 4.0720% | 1,474 |
| Net loans and leases to total assets | 53.3611% | 6,544 |
| Net loans and leases to deposits | 73.7525% | 5,510 |
| Net loans and leases to core deposits | 99.0809% | 4,633 |
| Total domestic deposits to total assets | 72.3516% | 7,157 |
| Equity capital to assets | 9.8948% | 4,120 |
| Core capital (leverage) ratio | 8.2218% | 6,055 |
| Tier 1 risk-based capital ratio | 12.2737% | 4,724 |
| Total risk-based capital ratio | 13.4885% | 4,667 |
| Memoranda: | ||
| Average total assets | $83,627,000 | 5,681 |
| Average earning assets | $76,939,000 | 5,658 |
| Average equity | $8,286,500 | 5,963 |
| Average total loans | $45,332,500 | 5,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2925% | 4,001 |
| Cost of funding earning assets | 2.2231% | 5,492 |
| Net interest margin | 4.0694% | 2,836 |
| Noninterest income to average assets | 0.5371% | 4,340 |
| Noninterest expense to average assets | 2.7695% | 4,953 |
| Loan and lease loss provision to assets | 1.0036% | 1,467 |
| Net operating income to assets | 0.5019% | 4,725 |
| Return on assets (ROA) | 0.5791% | 4,262 |
| Pretax return on assets | 0.6002% | 4,690 |
| Return on Equity (ROE) | 5.9409% | 3,966 |
| Retained earnings to average equity (ytd only) | -1.9422% | 5,854 |
| Net charge-offs to loans | -0.0542% | 8,033 |
| Credit loss provision to net charge-offs | -3,379.1667% | 7,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5143% | 5,451 |
| Assets per employee ($millions) | 4.1706% | 3,165 |
| Cash dividends to net income (ytd only)* | 132.6923% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1596% | 380 |
| Loan loss allowance to noncurrent loans | 61.7441% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.7358% | 1,728 |
| Noncurrent loans to loans | 5.1173% | 843 |
| Net loans and leases to total assets | 51.7731% | 6,862 |
| Net loans and leases to deposits | 70.4394% | 6,228 |
| Net loans and leases to core deposits | 91.6120% | 5,676 |
| Total domestic deposits to total assets | 73.5002% | 6,741 |
| Equity capital to assets | 9.9230% | 4,129 |
| Core capital (leverage) ratio | 7.8986% | 6,651 |
| Tier 1 risk-based capital ratio | 12.3027% | 4,582 |
| Total risk-based capital ratio | 13.5165% | 4,500 |
| Memoranda: | ||
| Average total assets | $80,810,000 | 5,671 |
| Average earning assets | $74,580,600 | 5,638 |
| Average equity | $7,877,600 | 6,133 |
| Average total loans | $44,268,200 | 5,963 |