Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 5.1680% | 2,317 |
| Cost of funding earning assets | 0.6654% | 5,962 |
| Net interest margin | 4.5026% | 1,146 |
| Noninterest income to average assets | 0.7512% | 2,306 |
| Noninterest expense to average assets | 3.3218% | 2,430 |
| Loan and lease loss provision to assets | 0.0862% | 5,371 |
| Net operating income to assets | 1.0467% | 2,152 |
| Return on assets (ROA) | 1.0467% | 2,301 |
| Pretax return on assets | 1.5516% | 1,511 |
| Return on Equity (ROE) | 6.7708% | 3,627 |
| Retained earnings to average equity (ytd only) | 2.9473% | 4,582 |
| Net charge-offs to loans | 0.2112% | 4,112 |
| Credit loss provision to net charge-offs | 54.9020% | 4,931 |
| Earnings coverage of net charge-offs (x) | 10.4312% | 1,916 |
| Efficiency ratio | 66.9770% | 4,528 |
| Assets per employee ($millions) | 2.6754% | 6,686 |
| Cash dividends to net income (ytd only)* | 56.4700% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,263 |
| Loan loss allowance to noncurrent loans | 1,038.7097% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,875 |
| Noncurrent loans to loans | 0.0964% | 6,690 |
| Net loans and leases to total assets | 74.3424% | 1,270 |
| Net loans and leases to deposits | 88.7374% | 1,350 |
| Net loans and leases to core deposits | 90.8554% | 2,142 |
| Total domestic deposits to total assets | 83.7780% | 4,331 |
| Equity capital to assets | 15.8459% | 659 |
| Core capital (leverage) ratio | 15.6175% | 559 |
| Tier 1 risk-based capital ratio | 26.2478% | 809 |
| Total risk-based capital ratio | 27.4966% | 789 |
| Memoranda: | ||
| Average total assets | $43,308,750 | 6,615 |
| Average earning assets | $40,479,250 | 6,562 |
| Average equity | $6,695,250 | 6,002 |
| Average total loans | $32,195,500 | 6,123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 2,444 |
| Cost of funding earning assets | 0.6800% | 6,067 |
| Net interest margin | 4.4742% | 1,194 |
| Noninterest income to average assets | 0.7544% | 2,241 |
| Noninterest expense to average assets | 3.3075% | 2,532 |
| Loan and lease loss provision to assets | 0.0874% | 5,217 |
| Net operating income to assets | 1.0350% | 2,086 |
| Return on assets (ROA) | 1.0350% | 2,182 |
| Pretax return on assets | 1.5365% | 1,417 |
| Return on Equity (ROE) | 6.7507% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.8704% | 3,737 |
| Net charge-offs to loans | 0.2421% | 3,667 |
| Credit loss provision to net charge-offs | 48.7179% | 4,614 |
| Earnings coverage of net charge-offs (x) | 9.0513% | 1,974 |
| Efficiency ratio | 67.0709% | 4,689 |
| Assets per employee ($millions) | 2.7498% | 6,566 |
| Cash dividends to net income (ytd only)* | 42.6667% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,300 |
| Loan loss allowance to noncurrent loans | 3,611.1111% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 6,769 |
| Noncurrent loans to loans | 0.0279% | 6,917 |
| Net loans and leases to total assets | 72.6543% | 1,653 |
| Net loans and leases to deposits | 85.9875% | 1,800 |
| Net loans and leases to core deposits | 88.6022% | 2,550 |
| Total domestic deposits to total assets | 84.4940% | 4,122 |
| Equity capital to assets | 15.3741% | 723 |
| Core capital (leverage) ratio | 15.2899% | 620 |
| Tier 1 risk-based capital ratio | 25.5543% | 847 |
| Total risk-based capital ratio | 26.7924% | 834 |
| Memoranda: | ||
| Average total assets | $43,476,330 | 6,662 |
| Average earning assets | $40,588,000 | 6,614 |
| Average equity | $6,666,000 | 6,028 |
| Average total loans | $32,212,330 | 6,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 2,329 |
| Cost of funding earning assets | 0.6938% | 6,168 |
| Net interest margin | 4.4801% | 1,115 |
| Noninterest income to average assets | 0.7497% | 2,260 |
| Noninterest expense to average assets | 3.4431% | 2,165 |
| Loan and lease loss provision to assets | 0.0926% | 4,859 |
| Net operating income to assets | 0.9441% | 2,380 |
| Return on assets (ROA) | 0.9441% | 2,443 |
| Pretax return on assets | 1.3976% | 1,730 |
| Return on Equity (ROE) | 6.1659% | 3,806 |
| Retained earnings to average equity (ytd only) | 0.3627% | 5,671 |
| Net charge-offs to loans | 0.5097% | 2,203 |
| Credit loss provision to net charge-offs | 24.3902% | 4,207 |
| Earnings coverage of net charge-offs (x) | 3.9268% | 2,604 |
| Efficiency ratio | 69.7936% | 4,320 |
| Assets per employee ($millions) | 2.7303% | 6,659 |
| Cash dividends to net income (ytd only)* | 94.1176% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 6,892 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.2095% | 1,676 |
| Net loans and leases to deposits | 85.5431% | 1,797 |
| Net loans and leases to core deposits | 87.4595% | 2,676 |
| Total domestic deposits to total assets | 84.4131% | 4,321 |
| Equity capital to assets | 15.1520% | 733 |
| Core capital (leverage) ratio | 15.5287% | 576 |
| Tier 1 risk-based capital ratio | 25.5898% | 827 |
| Total risk-based capital ratio | 26.8102% | 805 |
| Memoranda: | ||
| Average total assets | $43,216,500 | 6,722 |
| Average earning assets | $40,356,000 | 6,673 |
| Average equity | $6,617,000 | 6,055 |
| Average total loans | $32,173,500 | 6,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 2,264 |
| Cost of funding earning assets | 0.9208% | 6,078 |
| Net interest margin | 4.5841% | 1,038 |
| Noninterest income to average assets | 0.7995% | 2,289 |
| Noninterest expense to average assets | 3.3327% | 2,631 |
| Loan and lease loss provision to assets | 0.1301% | 5,866 |
| Net operating income to assets | 1.0900% | 1,727 |
| Return on assets (ROA) | 1.0900% | 1,812 |
| Pretax return on assets | 1.6176% | 1,090 |
| Return on Equity (ROE) | 7.2444% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.2787% | 2,848 |
| Net charge-offs to loans | 0.1412% | 5,511 |
| Credit loss provision to net charge-offs | 121.7391% | 3,451 |
| Earnings coverage of net charge-offs (x) | 16.3478% | 1,213 |
| Efficiency ratio | 65.5993% | 5,044 |
| Assets per employee ($millions) | 2.6718% | 6,737 |
| Cash dividends to net income (ytd only)* | 40.9382% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 6,954 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.1924% | 1,437 |
| Net loans and leases to deposits | 89.0366% | 1,643 |
| Net loans and leases to core deposits | 91.0698% | 2,611 |
| Total domestic deposits to total assets | 84.4511% | 4,147 |
| Equity capital to assets | 15.4740% | 684 |
| Core capital (leverage) ratio | 15.3638% | 605 |
| Tier 1 risk-based capital ratio | 24.8790% | 856 |
| Total risk-based capital ratio | 26.1309% | 834 |
| Memoranda: | ||
| Average total assets | $43,027,600 | 6,764 |
| Average earning assets | $40,182,000 | 6,707 |
| Average equity | $6,474,000 | 6,210 |
| Average total loans | $32,567,400 | 6,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 2,421 |
| Cost of funding earning assets | 0.9615% | 6,127 |
| Net interest margin | 4.5421% | 1,165 |
| Noninterest income to average assets | 0.8013% | 2,230 |
| Noninterest expense to average assets | 3.3505% | 2,429 |
| Loan and lease loss provision to assets | 0.1145% | 5,888 |
| Net operating income to assets | 1.0611% | 2,034 |
| Return on assets (ROA) | 1.0611% | 2,143 |
| Pretax return on assets | 1.5747% | 1,409 |
| Return on Equity (ROE) | 7.1026% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.1268% | 4,246 |
| Net charge-offs to loans | 0.1678% | 4,968 |
| Credit loss provision to net charge-offs | 90.2439% | 4,753 |
| Earnings coverage of net charge-offs (x) | 13.3159% | 1,594 |
| Efficiency ratio | 66.4825% | 4,759 |
| Assets per employee ($millions) | 2.6703% | 6,823 |
| Cash dividends to net income (ytd only)* | 55.9761% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 6,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 7,079 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 75.2739% | 1,537 |
| Net loans and leases to deposits | 89.2292% | 1,831 |
| Net loans and leases to core deposits | 91.2755% | 2,909 |
| Total domestic deposits to total assets | 84.3601% | 3,931 |
| Equity capital to assets | 15.2607% | 833 |
| Core capital (leverage) ratio | 15.0284% | 711 |
| Tier 1 risk-based capital ratio | 24.4746% | 896 |
| Total risk-based capital ratio | 25.7264% | 883 |
| Memoranda: | ||
| Average total assets | $43,097,250 | 6,849 |
| Average earning assets | $40,215,000 | 6,788 |
| Average equity | $6,438,750 | 6,305 |
| Average total loans | $32,587,000 | 6,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 2,518 |
| Cost of funding earning assets | 1.0008% | 6,138 |
| Net interest margin | 4.4986% | 1,215 |
| Noninterest income to average assets | 0.8052% | 2,090 |
| Noninterest expense to average assets | 3.3363% | 2,439 |
| Loan and lease loss provision to assets | 0.0833% | 6,096 |
| Net operating income to assets | 1.0689% | 1,951 |
| Return on assets (ROA) | 1.0689% | 2,026 |
| Pretax return on assets | 1.5872% | 1,331 |
| Return on Equity (ROE) | 7.2056% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.2111% | 3,390 |
| Net charge-offs to loans | 0.1655% | 4,619 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 13.3704% | 1,594 |
| Efficiency ratio | 66.6359% | 4,858 |
| Assets per employee ($millions) | 2.7406% | 6,710 |
| Cash dividends to net income (ytd only)* | 41.5584% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 7,113 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.9994% | 2,404 |
| Net loans and leases to deposits | 84.6793% | 2,756 |
| Net loans and leases to core deposits | 86.5457% | 3,755 |
| Total domestic deposits to total assets | 85.0259% | 3,611 |
| Equity capital to assets | 14.8099% | 921 |
| Core capital (leverage) ratio | 14.8971% | 744 |
| Tier 1 risk-based capital ratio | 24.9864% | 843 |
| Total risk-based capital ratio | 26.2365% | 827 |
| Memoranda: | ||
| Average total assets | $43,221,670 | 6,888 |
| Average earning assets | $40,368,000 | 6,830 |
| Average equity | $6,411,670 | 6,336 |
| Average total loans | $32,619,000 | 6,400 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5912% | 2,185 |
| Cost of funding earning assets | 1.0621% | 6,078 |
| Net interest margin | 4.5291% | 1,083 |
| Noninterest income to average assets | 0.8110% | 1,968 |
| Noninterest expense to average assets | 3.3933% | 2,253 |
| Loan and lease loss provision to assets | 0.0839% | 5,798 |
| Net operating income to assets | 1.0441% | 2,022 |
| Return on assets (ROA) | 1.0441% | 2,083 |
| Pretax return on assets | 1.5475% | 1,403 |
| Return on Equity (ROE) | 7.0324% | 3,322 |
| Retained earnings to average equity (ytd only) | 1.0046% | 5,410 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5325% | 4,814 |
| Assets per employee ($millions) | 2.6972% | 6,868 |
| Cash dividends to net income (ytd only)* | 85.7143% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 6,227 |
| Loan loss allowance to noncurrent loans | 237.2414% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 6,639 |
| Noncurrent loans to loans | 0.4426% | 6,413 |
| Net loans and leases to total assets | 75.1153% | 1,714 |
| Net loans and leases to deposits | 88.6434% | 2,104 |
| Net loans and leases to core deposits | 89.8946% | 3,377 |
| Total domestic deposits to total assets | 84.7387% | 3,784 |
| Equity capital to assets | 14.7886% | 932 |
| Core capital (leverage) ratio | 14.8614% | 778 |
| Tier 1 risk-based capital ratio | 23.3108% | 1,032 |
| Total risk-based capital ratio | 24.5618% | 1,016 |
| Memoranda: | ||
| Average total assets | $42,908,000 | 6,986 |
| Average earning assets | $39,920,000 | 6,932 |
| Average equity | $6,370,500 | 6,394 |
| Average total loans | $32,980,000 | 6,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 1,544 |
| Cost of funding earning assets | 1.3512% | 6,138 |
| Net interest margin | 4.7396% | 779 |
| Noninterest income to average assets | 0.7850% | 2,478 |
| Noninterest expense to average assets | 3.4646% | 2,473 |
| Loan and lease loss provision to assets | 0.1090% | 6,557 |
| Net operating income to assets | 1.0563% | 1,640 |
| Return on assets (ROA) | 1.0563% | 1,683 |
| Pretax return on assets | 1.5797% | 1,004 |
| Return on Equity (ROE) | 7.0203% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.9288% | 2,460 |
| Net charge-offs to loans | 0.1254% | 5,940 |
| Credit loss provision to net charge-offs | 112.5000% | 4,878 |
| Earnings coverage of net charge-offs (x) | 17.4250% | 1,190 |
| Efficiency ratio | 67.2308% | 5,141 |
| Assets per employee ($millions) | 2.6663% | 6,917 |
| Cash dividends to net income (ytd only)* | 44.0367% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,325 |
| Loan loss allowance to noncurrent loans | 587.7193% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 7,146 |
| Noncurrent loans to loans | 0.1717% | 6,992 |
| Net loans and leases to total assets | 77.0376% | 1,572 |
| Net loans and leases to deposits | 90.6321% | 2,118 |
| Net loans and leases to core deposits | 126.4184% | 1,482 |
| Total domestic deposits to total assets | 85.0004% | 3,550 |
| Equity capital to assets | 14.9059% | 930 |
| Core capital (leverage) ratio | 15.1897% | 741 |
| Tier 1 risk-based capital ratio | 23.3977% | 1,000 |
| Total risk-based capital ratio | 24.6417% | 982 |
| Memoranda: | ||
| Average total assets | $41,274,200 | 7,040 |
| Average earning assets | $38,040,800 | 7,014 |
| Average equity | $6,210,600 | 6,528 |
| Average total loans | $31,892,400 | 6,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1653% | 1,459 |
| Cost of funding earning assets | 1.4075% | 6,200 |
| Net interest margin | 4.7578% | 743 |
| Noninterest income to average assets | 0.7721% | 2,589 |
| Noninterest expense to average assets | 3.4630% | 2,381 |
| Loan and lease loss provision to assets | 0.0880% | 6,486 |
| Net operating income to assets | 1.0620% | 1,856 |
| Return on assets (ROA) | 1.0620% | 1,914 |
| Pretax return on assets | 1.5930% | 1,190 |
| Return on Equity (ROE) | 7.0407% | 3,052 |
| Retained earnings to average equity (ytd only) | 2.8940% | 3,706 |
| Net charge-offs to loans | 0.1140% | 5,540 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 19.1106% | 1,311 |
| Efficiency ratio | 67.3211% | 5,116 |
| Assets per employee ($millions) | 2.5676% | 7,115 |
| Cash dividends to net income (ytd only)* | 58.8943% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,229 |
| Loan loss allowance to noncurrent loans | 1,434.7826% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,417 |
| Noncurrent loans to loans | 0.0704% | 7,321 |
| Net loans and leases to total assets | 78.7542% | 1,433 |
| Net loans and leases to deposits | 93.3897% | 1,987 |
| Net loans and leases to core deposits | 129.6661% | 1,454 |
| Total domestic deposits to total assets | 84.3285% | 3,561 |
| Equity capital to assets | 15.2211% | 946 |
| Core capital (leverage) ratio | 14.9397% | 872 |
| Tier 1 risk-based capital ratio | 22.8299% | 1,130 |
| Total risk-based capital ratio | 24.0468% | 1,101 |
| Memoranda: | ||
| Average total assets | $40,927,500 | 7,105 |
| Average earning assets | $37,607,500 | 7,087 |
| Average equity | $6,173,500 | 6,600 |
| Average total loans | $31,565,500 | 6,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1619% | 1,591 |
| Cost of funding earning assets | 1.4533% | 6,317 |
| Net interest margin | 4.7086% | 786 |
| Noninterest income to average assets | 0.7584% | 2,655 |
| Noninterest expense to average assets | 3.4152% | 2,578 |
| Loan and lease loss provision to assets | 0.0881% | 6,287 |
| Net operating income to assets | 1.0764% | 1,850 |
| Return on assets (ROA) | 1.0764% | 1,928 |
| Pretax return on assets | 1.6146% | 1,174 |
| Return on Equity (ROE) | 7.1580% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.0345% | 3,042 |
| Net charge-offs to loans | -0.0641% | 7,884 |
| Credit loss provision to net charge-offs | -180.0000% | 6,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7304% | 5,408 |
| Assets per employee ($millions) | 2.5973% | 7,057 |
| Cash dividends to net income (ytd only)* | 43.6364% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,519 |
| Loan loss allowance to noncurrent loans | 311.3043% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 6,783 |
| Noncurrent loans to loans | 0.3569% | 6,616 |
| Net loans and leases to total assets | 76.6850% | 2,019 |
| Net loans and leases to deposits | 90.3954% | 2,767 |
| Net loans and leases to core deposits | 121.0376% | 2,274 |
| Total domestic deposits to total assets | 84.8329% | 3,340 |
| Equity capital to assets | 14.9505% | 1,039 |
| Core capital (leverage) ratio | 14.8076% | 961 |
| Tier 1 risk-based capital ratio | 22.8934% | 1,151 |
| Total risk-based capital ratio | 24.1453% | 1,118 |
| Memoranda: | ||
| Average total assets | $40,876,330 | 7,171 |
| Average earning assets | $37,845,330 | 7,138 |
| Average equity | $6,147,000 | 6,667 |
| Average total loans | $31,193,000 | 6,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 1,589 |
| Cost of funding earning assets | 1.5432% | 6,267 |
| Net interest margin | 4.6614% | 841 |
| Noninterest income to average assets | 0.7598% | 2,542 |
| Noninterest expense to average assets | 3.4537% | 2,219 |
| Loan and lease loss provision to assets | 0.0888% | 5,826 |
| Net operating income to assets | 1.0164% | 2,240 |
| Return on assets (ROA) | 1.0164% | 2,382 |
| Pretax return on assets | 1.5394% | 1,565 |
| Return on Equity (ROE) | 6.7386% | 3,699 |
| Retained earnings to average equity (ytd only) | 0.4580% | 5,470 |
| Net charge-offs to loans | -0.2086% | 8,015 |
| Credit loss provision to net charge-offs | -56.2500% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9612% | 4,972 |
| Assets per employee ($millions) | 2.6331% | 7,015 |
| Cash dividends to net income (ytd only)* | 93.2039% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,141 |
| Loan loss allowance to noncurrent loans | 215.1515% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 6,329 |
| Noncurrent loans to loans | 0.5334% | 6,084 |
| Net loans and leases to total assets | 72.5777% | 3,102 |
| Net loans and leases to deposits | 85.4321% | 3,728 |
| Net loans and leases to core deposits | 109.9892% | 3,439 |
| Total domestic deposits to total assets | 84.9537% | 3,230 |
| Equity capital to assets | 14.5312% | 1,225 |
| Core capital (leverage) ratio | 15.0575% | 959 |
| Tier 1 risk-based capital ratio | 23.0363% | 1,194 |
| Total risk-based capital ratio | 24.2859% | 1,161 |
| Memoranda: | ||
| Average total assets | $40,536,000 | 7,225 |
| Average earning assets | $37,585,000 | 7,195 |
| Average equity | $6,114,000 | 6,721 |
| Average total loans | $30,676,500 | 6,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7236% | 1,945 |
| Cost of funding earning assets | 1.8514% | 6,866 |
| Net interest margin | 4.8722% | 666 |
| Noninterest income to average assets | 0.8577% | 2,178 |
| Noninterest expense to average assets | 3.3920% | 2,703 |
| Loan and lease loss provision to assets | 0.1004% | 6,095 |
| Net operating income to assets | 1.2723% | 1,562 |
| Return on assets (ROA) | 1.2723% | 1,511 |
| Pretax return on assets | 1.9471% | 698 |
| Return on Equity (ROE) | 8.3137% | 2,938 |
| Retained earnings to average equity (ytd only) | 5.0825% | 1,975 |
| Net charge-offs to loans | 0.1076% | 5,210 |
| Credit loss provision to net charge-offs | 121.8750% | 4,408 |
| Earnings coverage of net charge-offs (x) | 24.8438% | 1,359 |
| Efficiency ratio | 62.3580% | 5,884 |
| Assets per employee ($millions) | 2.4339% | 7,338 |
| Cash dividends to net income (ytd only)* | 38.8664% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,379 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 7,585 |
| Noncurrent loans to loans | 0.0131% | 7,490 |
| Net loans and leases to total assets | 77.2713% | 2,313 |
| Net loans and leases to deposits | 91.7828% | 3,175 |
| Net loans and leases to core deposits | 120.0614% | 2,683 |
| Total domestic deposits to total assets | 84.1893% | 3,224 |
| Equity capital to assets | 15.6797% | 1,002 |
| Core capital (leverage) ratio | 15.6277% | 894 |
| Tier 1 risk-based capital ratio | 23.8399% | 1,106 |
| Total risk-based capital ratio | 25.0915% | 1,084 |
| Memoranda: | ||
| Average total assets | $38,826,800 | 7,267 |
| Average earning assets | $36,513,400 | 7,213 |
| Average equity | $5,942,000 | 6,829 |
| Average total loans | $29,741,000 | 6,722 |