Home > First Star Bank > Performance and Condition Ratios
First Star Bank, Performance and Condition Ratios
| 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 | 3.5751% | 6,514 |
| Cost of funding earning assets | 1.4417% | 299 |
| Net interest margin | 2.1334% | 7,067 |
| Noninterest income to average assets | 0.1604% | 6,384 |
| Noninterest expense to average assets | 2.9370% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2015% | 6,544 |
| Return on assets (ROA) | -0.6200% | 6,811 |
| Pretax return on assets | -1.4556% | 6,997 |
| Return on Equity (ROE) | -7.6101% | 6,852 |
| Retained earnings to average equity (ytd only) | -9.3423% | 6,819 |
| Net charge-offs to loans | 0.1273% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -12.4380% | 5,472 |
| Efficiency ratio | 137.5413% | 130 |
| Assets per employee ($millions) | 7.2117% | 660 |
| Cash dividends to net income (ytd only)* | -22.7618% | 7,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 6,309 |
| Loan loss allowance to noncurrent loans | 38.4813% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 3,690 |
| Noncurrent loans to loans | 2.4819% | 2,426 |
| Net loans and leases to total assets | 51.1333% | 5,201 |
| Net loans and leases to deposits | 64.7591% | 4,668 |
| Net loans and leases to core deposits | 67.4592% | 4,849 |
| Total domestic deposits to total assets | 78.9592% | 5,971 |
| Equity capital to assets | 8.0260% | 6,552 |
| Core capital (leverage) ratio | 8.0958% | 6,167 |
| Tier 1 risk-based capital ratio | 13.1759% | 5,058 |
| Total risk-based capital ratio | 13.9836% | 5,359 |
| Memoranda: | ||
| Average total assets | $425,128,330 | 1,567 |
| Average earning assets | $393,552,670 | 1,544 |
| Average equity | $34,638,000 | 1,998 |
| Average total loans | $215,249,330 | 1,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 6,576 |
| Cost of funding earning assets | 1.4706% | 328 |
| Net interest margin | 2.1286% | 7,123 |
| Noninterest income to average assets | 0.0970% | 6,759 |
| Noninterest expense to average assets | 1.7913% | 6,803 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3012% | 5,653 |
| Return on assets (ROA) | 0.1873% | 6,163 |
| Pretax return on assets | 0.1619% | 6,270 |
| Return on Equity (ROE) | 2.2820% | 5,978 |
| Retained earnings to average equity (ytd only) | -1.1582% | 6,176 |
| Net charge-offs to loans | 0.1296% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.2464% | 2,620 |
| Efficiency ratio | 86.6576% | 1,418 |
| Assets per employee ($millions) | 7.2614% | 659 |
| Cash dividends to net income (ytd only)* | 150.7538% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,224 |
| Loan loss allowance to noncurrent loans | 38.9709% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 3,790 |
| Noncurrent loans to loans | 2.5791% | 2,527 |
| Net loans and leases to total assets | 49.7949% | 5,336 |
| Net loans and leases to deposits | 63.6936% | 4,675 |
| Net loans and leases to core deposits | 66.8229% | 4,823 |
| Total domestic deposits to total assets | 78.1789% | 6,242 |
| Equity capital to assets | 8.2169% | 6,345 |
| Core capital (leverage) ratio | 8.4206% | 5,716 |
| Tier 1 risk-based capital ratio | 13.0626% | 5,163 |
| Total risk-based capital ratio | 13.8636% | 5,482 |
| Memoranda: | ||
| Average total assets | $424,946,500 | 1,566 |
| Average earning assets | $393,310,500 | 1,545 |
| Average equity | $34,882,000 | 1,984 |
| Average total loans | $213,041,000 | 1,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 6,758 |
| Cost of funding earning assets | 1.6390% | 411 |
| Net interest margin | 2.1337% | 7,198 |
| Noninterest income to average assets | 0.3246% | 5,220 |
| Noninterest expense to average assets | 1.7445% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4182% | 4,782 |
| Return on assets (ROA) | -0.0333% | 6,188 |
| Pretax return on assets | -0.1677% | 6,259 |
| Return on Equity (ROE) | -0.4219% | 6,202 |
| Retained earnings to average equity (ytd only) | -1.8283% | 6,137 |
| Net charge-offs to loans | 0.1111% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.0636% | 1,888 |
| Efficiency ratio | 76.4408% | 2,829 |
| Assets per employee ($millions) | 6.6900% | 862 |
| Cash dividends to net income (ytd only)* | -333.3333% | 7,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,952 |
| Loan loss allowance to noncurrent loans | 43.6268% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 3,956 |
| Noncurrent loans to loans | 2.4328% | 2,699 |
| Net loans and leases to total assets | 49.4337% | 5,666 |
| Net loans and leases to deposits | 64.3328% | 4,963 |
| Net loans and leases to core deposits | 67.1390% | 5,145 |
| Total domestic deposits to total assets | 76.8405% | 6,359 |
| Equity capital to assets | 8.2001% | 6,435 |
| Core capital (leverage) ratio | 8.4594% | 5,628 |
| Tier 1 risk-based capital ratio | 13.0245% | 5,049 |
| Total risk-based capital ratio | 13.8463% | 5,363 |
| Memoranda: | ||
| Average total assets | $441,739,000 | 1,479 |
| Average earning assets | $405,256,400 | 1,470 |
| Average equity | $34,841,000 | 1,929 |
| Average total loans | $212,395,400 | 1,936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 6,886 |
| Cost of funding earning assets | 1.6723% | 436 |
| Net interest margin | 2.0815% | 7,287 |
| Noninterest income to average assets | 0.2599% | 5,761 |
| Noninterest expense to average assets | 1.7516% | 7,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3396% | 5,252 |
| Return on assets (ROA) | -0.0048% | 6,266 |
| Pretax return on assets | -0.1232% | 6,354 |
| Return on Equity (ROE) | -0.0611% | 6,268 |
| Retained earnings to average equity (ytd only) | -1.9325% | 6,291 |
| Net charge-offs to loans | 0.1441% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 2,634 |
| Efficiency ratio | 80.8540% | 2,133 |
| Assets per employee ($millions) | 6.7897% | 821 |
| Cash dividends to net income (ytd only)* | -3,062.9161% | 7,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 6,010 |
| Loan loss allowance to noncurrent loans | 33.7195% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 2,292 |
| Noncurrent loans to loans | 3.1586% | 2,200 |
| Net loans and leases to total assets | 49.4505% | 5,777 |
| Net loans and leases to deposits | 64.6288% | 5,094 |
| Net loans and leases to core deposits | 67.6270% | 5,220 |
| Total domestic deposits to total assets | 76.5147% | 6,452 |
| Equity capital to assets | 8.2316% | 6,543 |
| Core capital (leverage) ratio | 8.4913% | 5,722 |
| Tier 1 risk-based capital ratio | 11.9720% | 5,913 |
| Total risk-based capital ratio | 12.7199% | 6,252 |
| Memoranda: | ||
| Average total assets | $446,805,750 | 1,476 |
| Average earning assets | $409,251,250 | 1,471 |
| Average equity | $34,911,000 | 1,931 |
| Average total loans | $212,848,250 | 1,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 6,957 |
| Cost of funding earning assets | 1.6838% | 500 |
| Net interest margin | 2.0805% | 7,348 |
| Noninterest income to average assets | 0.1721% | 6,430 |
| Noninterest expense to average assets | 1.7636% | 7,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2748% | 5,464 |
| Return on assets (ROA) | -0.0558% | 6,359 |
| Pretax return on assets | -0.1985% | 6,449 |
| Return on Equity (ROE) | -0.7258% | 6,374 |
| Retained earnings to average equity (ytd only) | -3.5260% | 6,424 |
| Net charge-offs to loans | 0.0047% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 144.8000% | 246 |
| Efficiency ratio | 84.7257% | 1,735 |
| Assets per employee ($millions) | 6.8111% | 806 |
| Cash dividends to net income (ytd only)* | -385.8268% | 7,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,687 |
| Loan loss allowance to noncurrent loans | 41.9316% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.5608% | 2,607 |
| Noncurrent loans to loans | 2.7786% | 2,624 |
| Net loans and leases to total assets | 47.9878% | 6,051 |
| Net loans and leases to deposits | 63.1511% | 5,375 |
| Net loans and leases to core deposits | 65.9066% | 5,527 |
| Total domestic deposits to total assets | 75.9888% | 6,598 |
| Equity capital to assets | 8.0420% | 6,651 |
| Core capital (leverage) ratio | 8.1901% | 6,046 |
| Tier 1 risk-based capital ratio | 11.5295% | 6,151 |
| Total risk-based capital ratio | 12.3246% | 6,454 |
| Memoranda: | ||
| Average total assets | $455,420,330 | 1,464 |
| Average earning assets | $417,971,000 | 1,457 |
| Average equity | $34,997,330 | 1,908 |
| Average total loans | $213,661,330 | 1,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 6,995 |
| Cost of funding earning assets | 1.7051% | 541 |
| Net interest margin | 2.0564% | 7,397 |
| Noninterest income to average assets | 0.1694% | 6,514 |
| Noninterest expense to average assets | 1.7568% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2971% | 5,425 |
| Return on assets (ROA) | 0.2287% | 5,749 |
| Pretax return on assets | 0.2348% | 5,855 |
| Return on Equity (ROE) | 3.0428% | 5,342 |
| Retained earnings to average equity (ytd only) | -2.5623% | 6,229 |
| Net charge-offs to loans | 0.0093% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 433 |
| Efficiency ratio | 85.1960% | 1,810 |
| Assets per employee ($millions) | 6.9687% | 752 |
| Cash dividends to net income (ytd only)* | 184.2105% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,807 |
| Loan loss allowance to noncurrent loans | 51.4930% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.2581% | 2,997 |
| Noncurrent loans to loans | 2.2490% | 3,257 |
| Net loans and leases to total assets | 47.1912% | 6,169 |
| Net loans and leases to deposits | 62.4025% | 5,457 |
| Net loans and leases to core deposits | 63.6834% | 5,766 |
| Total domestic deposits to total assets | 75.6240% | 6,725 |
| Equity capital to assets | 7.9263% | 6,569 |
| Core capital (leverage) ratio | 7.6474% | 6,608 |
| Tier 1 risk-based capital ratio | 12.1474% | 5,556 |
| Total risk-based capital ratio | 12.9841% | 5,913 |
| Memoranda: | ||
| Average total assets | $465,174,000 | 1,451 |
| Average earning assets | $428,118,000 | 1,441 |
| Average equity | $34,968,000 | 1,899 |
| Average total loans | $214,666,500 | 1,974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 7,339 |
| Cost of funding earning assets | 2.1499% | 360 |
| Net interest margin | 1.4699% | 7,550 |
| Noninterest income to average assets | 0.1647% | 6,546 |
| Noninterest expense to average assets | 1.4517% | 7,464 |
| Loan and lease loss provision to assets | 0.0382% | 6,781 |
| Net operating income to assets | 0.0837% | 5,630 |
| Return on assets (ROA) | -0.2286% | 6,197 |
| Pretax return on assets | -0.4430% | 6,282 |
| Return on Equity (ROE) | -3.5646% | 6,328 |
| Retained earnings to average equity (ytd only) | -5.0171% | 6,299 |
| Net charge-offs to loans | 0.0061% | 6,785 |
| Credit loss provision to net charge-offs | 1,576.9231% | 153 |
| Earnings coverage of net charge-offs (x) | 34.3077% | 658 |
| Efficiency ratio | 94.5861% | 1,033 |
| Assets per employee ($millions) | 7.5680% | 575 |
| Cash dividends to net income (ytd only)* | -40.7498% | 7,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,773 |
| Loan loss allowance to noncurrent loans | 26.8441% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 2.0718% | 3,258 |
| Noncurrent loans to loans | 4.2538% | 1,705 |
| Net loans and leases to total assets | 44.1673% | 6,697 |
| Net loans and leases to deposits | 58.8791% | 6,165 |
| Net loans and leases to core deposits | 60.3459% | 6,369 |
| Total domestic deposits to total assets | 75.0134% | 6,771 |
| Equity capital to assets | 7.1405% | 7,067 |
| Core capital (leverage) ratio | 7.0609% | 6,995 |
| Tier 1 risk-based capital ratio | 12.2290% | 5,273 |
| Total risk-based capital ratio | 13.0681% | 5,631 |
| Memoranda: | ||
| Average total assets | $536,761,200 | 1,250 |
| Average earning assets | $500,304,000 | 1,228 |
| Average equity | $34,422,000 | 1,920 |
| Average total loans | $211,899,800 | 2,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 7,492 |
| Cost of funding earning assets | 2.1957% | 390 |
| Net interest margin | 1.4069% | 7,679 |
| Noninterest income to average assets | 0.1103% | 6,993 |
| Noninterest expense to average assets | 1.4221% | 7,585 |
| Loan and lease loss provision to assets | 0.0497% | 6,589 |
| Net operating income to assets | 0.0282% | 5,938 |
| Return on assets (ROA) | -0.0354% | 6,187 |
| Pretax return on assets | -0.1482% | 6,267 |
| Return on Equity (ROE) | -0.5662% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.5052% | 6,286 |
| Net charge-offs to loans | 0.0082% | 6,552 |
| Credit loss provision to net charge-offs | 1,576.9231% | 199 |
| Earnings coverage of net charge-offs (x) | 0.3076% | 5,722 |
| Efficiency ratio | 99.9318% | 742 |
| Assets per employee ($millions) | 8.3789% | 437 |
| Cash dividends to net income (ytd only)* | -342.4689% | 7,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,676 |
| Loan loss allowance to noncurrent loans | 25.2375% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 1.9707% | 3,510 |
| Noncurrent loans to loans | 4.5865% | 1,561 |
| Net loans and leases to total assets | 39.9728% | 7,074 |
| Net loans and leases to deposits | 58.5181% | 6,426 |
| Net loans and leases to core deposits | 60.0135% | 6,597 |
| Total domestic deposits to total assets | 68.3084% | 7,362 |
| Equity capital to assets | 6.6168% | 7,409 |
| Core capital (leverage) ratio | 7.3890% | 6,949 |
| Tier 1 risk-based capital ratio | 11.7270% | 5,707 |
| Total risk-based capital ratio | 12.4956% | 6,142 |
| Memoranda: | ||
| Average total assets | $549,863,500 | 1,227 |
| Average earning assets | $513,061,000 | 1,206 |
| Average equity | $34,381,250 | 1,950 |
| Average total loans | $210,775,750 | 2,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 7,524 |
| Cost of funding earning assets | 2.2682% | 376 |
| Net interest margin | 1.4505% | 7,749 |
| Noninterest income to average assets | 0.1156% | 7,029 |
| Noninterest expense to average assets | 1.4210% | 7,654 |
| Loan and lease loss provision to assets | 0.0736% | 6,209 |
| Net operating income to assets | 0.0417% | 6,004 |
| Return on assets (ROA) | -0.0528% | 6,249 |
| Pretax return on assets | -0.1730% | 6,314 |
| Return on Equity (ROE) | -0.8597% | 6,301 |
| Retained earnings to average equity (ytd only) | -0.8597% | 5,940 |
| Net charge-offs to loans | 0.0124% | 6,169 |
| Credit loss provision to net charge-offs | 1,576.9231% | 254 |
| Earnings coverage of net charge-offs (x) | 10.3077% | 1,909 |
| Efficiency ratio | 96.7261% | 927 |
| Assets per employee ($millions) | 8.5851% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,545 |
| Loan loss allowance to noncurrent loans | 37.7829% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 4,394 |
| Noncurrent loans to loans | 3.1281% | 2,569 |
| Net loans and leases to total assets | 40.1081% | 7,159 |
| Net loans and leases to deposits | 61.1594% | 6,293 |
| Net loans and leases to core deposits | 61.9850% | 6,550 |
| Total domestic deposits to total assets | 65.5796% | 7,544 |
| Equity capital to assets | 6.7241% | 7,431 |
| Core capital (leverage) ratio | 7.3359% | 6,969 |
| Tier 1 risk-based capital ratio | 11.6089% | 5,668 |
| Total risk-based capital ratio | 12.3598% | 6,115 |
| Memoranda: | ||
| Average total assets | $557,194,000 | 1,220 |
| Average earning assets | $519,974,000 | 1,192 |
| Average equity | $34,199,000 | 1,957 |
| Average total loans | $209,875,670 | 2,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 7,637 |
| Cost of funding earning assets | 2.3760% | 325 |
| Net interest margin | 1.3279% | 7,855 |
| Noninterest income to average assets | 0.0048% | 7,640 |
| Noninterest expense to average assets | 1.4319% | 7,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0636% | 6,389 |
| Return on assets (ROA) | -0.0636% | 6,470 |
| Pretax return on assets | -0.1861% | 6,545 |
| Return on Equity (ROE) | -1.0830% | 6,535 |
| Retained earnings to average equity (ytd only) | -1.0830% | 6,062 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9361% | 516 |
| Assets per employee ($millions) | 8.6668% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 6,144 |
| Loan loss allowance to noncurrent loans | 40.2864% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 4,861 |
| Noncurrent loans to loans | 2.6589% | 3,013 |
| Net loans and leases to total assets | 38.5482% | 7,327 |
| Net loans and leases to deposits | 60.5958% | 6,401 |
| Net loans and leases to core deposits | 61.8024% | 6,614 |
| Total domestic deposits to total assets | 63.6153% | 7,686 |
| Equity capital to assets | 6.3256% | 7,566 |
| Core capital (leverage) ratio | 7.1047% | 7,171 |
| Tier 1 risk-based capital ratio | 11.3198% | 5,838 |
| Total risk-based capital ratio | 11.9570% | 6,421 |
| Memoranda: | ||
| Average total assets | $578,238,500 | 1,199 |
| Average earning assets | $540,404,500 | 1,168 |
| Average equity | $33,980,500 | 1,990 |
| Average total loans | $210,278,500 | 2,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 7,354 |
| Cost of funding earning assets | 3.0943% | 176 |
| Net interest margin | 1.4418% | 7,883 |
| Noninterest income to average assets | 0.1546% | 6,960 |
| Noninterest expense to average assets | 1.2099% | 7,904 |
| Loan and lease loss provision to assets | 0.1354% | 6,286 |
| Net operating income to assets | 0.1494% | 5,050 |
| Return on assets (ROA) | 0.0498% | 5,398 |
| Pretax return on assets | -0.0234% | 5,483 |
| Return on Equity (ROE) | 0.9926% | 5,236 |
| Retained earnings to average equity (ytd only) | -1.7980% | 5,462 |
| Net charge-offs to loans | 0.6711% | 3,174 |
| Credit loss provision to net charge-offs | 59.6910% | 6,643 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 4,944 |
| Efficiency ratio | 81.8907% | 2,612 |
| Assets per employee ($millions) | 9.8463% | 269 |
| Cash dividends to net income (ytd only)* | 281.1502% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,914 |
| Loan loss allowance to noncurrent loans | 38.2126% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 4,670 |
| Noncurrent loans to loans | 2.8700% | 2,687 |
| Net loans and leases to total assets | 33.6664% | 7,605 |
| Net loans and leases to deposits | 55.8907% | 6,927 |
| Net loans and leases to core deposits | 65.4909% | 7,006 |
| Total domestic deposits to total assets | 60.2360% | 7,797 |
| Equity capital to assets | 5.4750% | 7,738 |
| Core capital (leverage) ratio | 6.5498% | 7,468 |
| Tier 1 risk-based capital ratio | 11.2149% | 5,702 |
| Total risk-based capital ratio | 11.8448% | 6,282 |
| Memoranda: | ||
| Average total assets | $627,924,800 | 1,103 |
| Average earning assets | $576,086,000 | 1,096 |
| Average equity | $31,534,400 | 2,123 |
| Average total loans | $212,202,200 | 2,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 7,081 |
| Cost of funding earning assets | 3.2233% | 175 |
| Net interest margin | 1.5966% | 7,932 |
| Noninterest income to average assets | 0.1689% | 7,002 |
| Noninterest expense to average assets | 1.1726% | 7,999 |
| Loan and lease loss provision to assets | 0.1792% | 5,568 |
| Net operating income to assets | 0.2246% | 5,079 |
| Return on assets (ROA) | 0.3517% | 4,690 |
| Pretax return on assets | 0.4295% | 4,717 |
| Return on Equity (ROE) | 7.1596% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,137 |
| Net charge-offs to loans | 0.0394% | 6,357 |
| Credit loss provision to net charge-offs | 1,349.2063% | 290 |
| Earnings coverage of net charge-offs (x) | 34.1579% | 842 |
| Efficiency ratio | 72.0991% | 4,226 |
| Assets per employee ($millions) | 9.9700% | 273 |
| Cash dividends to net income (ytd only)* | 46.1631% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,458 |
| Loan loss allowance to noncurrent loans | 458.4383% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 5,957 |
| Noncurrent loans to loans | 0.3806% | 6,588 |
| Net loans and leases to total assets | 32.6359% | 7,727 |
| Net loans and leases to deposits | 53.9642% | 7,217 |
| Net loans and leases to core deposits | 63.4940% | 7,265 |
| Total domestic deposits to total assets | 60.4770% | 7,864 |
| Equity capital to assets | 5.3822% | 7,929 |
| Core capital (leverage) ratio | 6.8263% | 7,531 |
| Tier 1 risk-based capital ratio | 9.8207% | 7,118 |
| Total risk-based capital ratio | 10.6708% | 7,397 |
| Memoranda: | ||
| Average total assets | $632,288,500 | 1,114 |
| Average earning assets | $577,203,000 | 1,105 |
| Average equity | $31,062,250 | 2,184 |
| Average total loans | $213,302,250 | 2,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 7,133 |
| Cost of funding earning assets | 3.2504% | 236 |
| Net interest margin | 1.5990% | 7,991 |
| Noninterest income to average assets | 0.1944% | 6,903 |
| Noninterest expense to average assets | 1.1463% | 8,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4138% | 4,453 |
| Return on assets (ROA) | 0.6221% | 3,690 |
| Pretax return on assets | 0.8285% | 3,578 |
| Return on Equity (ROE) | 13.0756% | 1,167 |
| Retained earnings to average equity (ytd only) | 8.6972% | 1,010 |
| Net charge-offs to loans | 0.0596% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 27.2656% | 1,061 |
| Efficiency ratio | 67.5470% | 5,244 |
| Assets per employee ($millions) | 9.7469% | 283 |
| Cash dividends to net income (ytd only)* | 33.4855% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,558 |
| Loan loss allowance to noncurrent loans | 528.2197% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 5,965 |
| Noncurrent loans to loans | 0.2381% | 6,919 |
| Net loans and leases to total assets | 35.6661% | 7,718 |
| Net loans and leases to deposits | 60.5689% | 6,847 |
| Net loans and leases to core deposits | 72.0541% | 6,892 |
| Total domestic deposits to total assets | 58.8851% | 7,964 |
| Equity capital to assets | 5.1498% | 8,026 |
| Core capital (leverage) ratio | 6.6261% | 7,729 |
| Tier 1 risk-based capital ratio | 9.3590% | 7,504 |
| Total risk-based capital ratio | 9.9967% | 7,851 |
| Memoranda: | ||
| Average total assets | $633,682,000 | 1,128 |
| Average earning assets | $595,490,000 | 1,087 |
| Average equity | $30,147,670 | 2,252 |
| Average total loans | $214,860,000 | 2,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 6,598 |
| Cost of funding earning assets | 3.3668% | 222 |
| Net interest margin | 1.7519% | 7,991 |
| Noninterest income to average assets | 0.1672% | 7,108 |
| Noninterest expense to average assets | 1.1351% | 8,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5459% | 4,230 |
| Return on assets (ROA) | 0.7975% | 3,303 |
| Pretax return on assets | 0.9915% | 3,384 |
| Return on Equity (ROE) | 17.4498% | 641 |
| Retained earnings to average equity (ytd only) | 12.9616% | 649 |
| Net charge-offs to loans | -0.0019% | 7,110 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6415% | 5,943 |
| Assets per employee ($millions) | 10.2023% | 253 |
| Cash dividends to net income (ytd only)* | 25.7210% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 3,901 |
| Loan loss allowance to noncurrent loans | 558.5127% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 5,806 |
| Noncurrent loans to loans | 0.2386% | 6,848 |
| Net loans and leases to total assets | 32.8731% | 7,837 |
| Net loans and leases to deposits | 57.3286% | 7,082 |
| Net loans and leases to core deposits | 70.2619% | 7,002 |
| Total domestic deposits to total assets | 57.3414% | 8,020 |
| Equity capital to assets | 4.7247% | 8,134 |
| Core capital (leverage) ratio | 6.5464% | 7,859 |
| Tier 1 risk-based capital ratio | 12.0220% | 4,947 |
| Total risk-based capital ratio | 12.8403% | 5,225 |
| Memoranda: | ||
| Average total assets | $643,494,500 | 1,110 |
| Average earning assets | $604,129,000 | 1,064 |
| Average equity | $29,410,000 | 2,322 |
| Average total loans | $211,390,500 | 2,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 7,481 |
| Cost of funding earning assets | 3.6551% | 311 |
| Net interest margin | 1.7301% | 8,145 |
| Noninterest income to average assets | 0.1320% | 7,447 |
| Noninterest expense to average assets | 0.9949% | 8,205 |
| Loan and lease loss provision to assets | 0.0284% | 7,048 |
| Net operating income to assets | 0.5033% | 4,721 |
| Return on assets (ROA) | -1.0093% | 7,177 |
| Pretax return on assets | -1.6008% | 7,299 |
| Return on Equity (ROE) | -15.1918% | 7,599 |
| Retained earnings to average equity (ytd only) | -19.5893% | 7,674 |
| Net charge-offs to loans | 0.1529% | 4,672 |
| Credit loss provision to net charge-offs | 54.5455% | 6,298 |
| Earnings coverage of net charge-offs (x) | 15.2121% | 1,946 |
| Efficiency ratio | 55.7085% | 7,053 |
| Assets per employee ($millions) | 10.2260% | 242 |
| Cash dividends to net income (ytd only)* | -28.9461% | 7,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 3,375 |
| Loan loss allowance to noncurrent loans | 129.3291% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 4,491 |
| Noncurrent loans to loans | 1.0573% | 4,458 |
| Net loans and leases to total assets | 31.9419% | 7,946 |
| Net loans and leases to deposits | 60.6436% | 7,038 |
| Net loans and leases to core deposits | 72.4106% | 7,056 |
| Total domestic deposits to total assets | 52.6716% | 8,104 |
| Equity capital to assets | 4.4164% | 8,235 |
| Core capital (leverage) ratio | 6.0766% | 8,054 |
| Tier 1 risk-based capital ratio | 13.1146% | 4,052 |
| Total risk-based capital ratio | 14.0275% | 4,161 |
| Memoranda: | ||
| Average total assets | $634,626,600 | 1,059 |
| Average earning assets | $606,657,000 | 1,005 |
| Average equity | $42,160,800 | 1,584 |
| Average total loans | $215,878,800 | 2,166 |