Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 4.3109% | 2,853 |
| Cost of funding earning assets | 0.8221% | 1,411 |
| Net interest margin | 3.4888% | 3,752 |
| Noninterest income to average assets | 0.6281% | 2,992 |
| Noninterest expense to average assets | 2.2914% | 5,452 |
| Loan and lease loss provision to assets | 0.0352% | 4,005 |
| Net operating income to assets | 1.0887% | 1,902 |
| Return on assets (ROA) | 1.0887% | 2,012 |
| Pretax return on assets | 1.5407% | 1,451 |
| Return on Equity (ROE) | 11.9102% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.9102% | 713 |
| Net charge-offs to loans | 0.0068% | 4,018 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 96 |
| Efficiency ratio | 59.2498% | 5,691 |
| Assets per employee ($millions) | 4.7882% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,892 |
| Loan loss allowance to noncurrent loans | 788.2507% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 5,968 |
| Noncurrent loans to loans | 0.2191% | 5,863 |
| Net loans and leases to total assets | 59.7841% | 3,469 |
| Net loans and leases to deposits | 67.4481% | 3,845 |
| Net loans and leases to core deposits | 75.2066% | 3,438 |
| Total domestic deposits to total assets | 88.6371% | 1,908 |
| Equity capital to assets | 9.1666% | 5,296 |
| Core capital (leverage) ratio | 9.0980% | 4,719 |
| Tier 1 risk-based capital ratio | 13.3695% | 4,961 |
| Total risk-based capital ratio | 14.6231% | 4,909 |
| Memoranda: | ||
| Average total assets | $284,018,500 | 2,296 |
| Average earning assets | $263,702,500 | 2,266 |
| Average equity | $25,961,000 | 2,619 |
| Average total loans | $176,847,500 | 2,249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 2,592 |
| Cost of funding earning assets | 0.9130% | 1,860 |
| Net interest margin | 3.7870% | 3,284 |
| Noninterest income to average assets | 0.6581% | 2,950 |
| Noninterest expense to average assets | 2.3560% | 5,544 |
| Loan and lease loss provision to assets | 0.0703% | 4,863 |
| Net operating income to assets | 1.1644% | 1,715 |
| Return on assets (ROA) | 1.1764% | 1,844 |
| Pretax return on assets | 1.7573% | 1,005 |
| Return on Equity (ROE) | 12.9612% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.7319% | 3,592 |
| Net charge-offs to loans | 0.0226% | 5,588 |
| Credit loss provision to net charge-offs | 482.5000% | 506 |
| Earnings coverage of net charge-offs (x) | 124.2250% | 322 |
| Efficiency ratio | 56.5571% | 5,996 |
| Assets per employee ($millions) | 4.6791% | 2,665 |
| Cash dividends to net income (ytd only)* | 71.2074% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 3,026 |
| Loan loss allowance to noncurrent loans | 666.0000% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 6,157 |
| Noncurrent loans to loans | 0.2515% | 5,850 |
| Net loans and leases to total assets | 62.6634% | 3,134 |
| Net loans and leases to deposits | 70.5974% | 3,621 |
| Net loans and leases to core deposits | 79.2896% | 3,112 |
| Total domestic deposits to total assets | 88.7616% | 1,726 |
| Equity capital to assets | 9.1140% | 5,387 |
| Core capital (leverage) ratio | 8.9425% | 4,984 |
| Tier 1 risk-based capital ratio | 12.8185% | 5,241 |
| Total risk-based capital ratio | 14.0723% | 5,175 |
| Memoranda: | ||
| Average total assets | $274,576,400 | 2,307 |
| Average earning assets | $254,320,000 | 2,279 |
| Average equity | $24,920,600 | 2,661 |
| Average total loans | $176,720,600 | 2,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 2,624 |
| Cost of funding earning assets | 0.9285% | 1,990 |
| Net interest margin | 3.8113% | 3,288 |
| Noninterest income to average assets | 0.6793% | 2,816 |
| Noninterest expense to average assets | 2.3425% | 5,568 |
| Loan and lease loss provision to assets | 0.0772% | 4,673 |
| Net operating income to assets | 1.2051% | 1,718 |
| Return on assets (ROA) | 1.2189% | 1,845 |
| Pretax return on assets | 1.8122% | 1,012 |
| Return on Equity (ROE) | 13.4440% | 1,239 |
| Retained earnings to average equity (ytd only) | 1.0557% | 5,748 |
| Net charge-offs to loans | 0.0008% | 5,769 |
| Credit loss provision to net charge-offs | 15,800.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 3,836.4962% | 2 |
| Efficiency ratio | 55.6238% | 6,093 |
| Assets per employee ($millions) | 4.6694% | 2,641 |
| Cash dividends to net income (ytd only)* | 92.1473% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 3,299 |
| Loan loss allowance to noncurrent loans | 1,471.0784% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 6,555 |
| Noncurrent loans to loans | 0.1127% | 6,331 |
| Net loans and leases to total assets | 63.5435% | 3,109 |
| Net loans and leases to deposits | 71.5623% | 3,668 |
| Net loans and leases to core deposits | 79.4679% | 3,274 |
| Total domestic deposits to total assets | 88.7947% | 1,541 |
| Equity capital to assets | 8.9441% | 5,876 |
| Core capital (leverage) ratio | 8.9299% | 5,154 |
| Tier 1 risk-based capital ratio | 12.3631% | 5,725 |
| Total risk-based capital ratio | 13.6174% | 5,696 |
| Memoranda: | ||
| Average total assets | $273,034,750 | 2,340 |
| Average earning assets | $253,028,250 | 2,316 |
| Average equity | $24,754,000 | 2,707 |
| Average total loans | $176,170,750 | 2,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 2,716 |
| Cost of funding earning assets | 0.9488% | 2,072 |
| Net interest margin | 3.8015% | 3,351 |
| Noninterest income to average assets | 0.7020% | 2,660 |
| Noninterest expense to average assets | 2.3602% | 5,592 |
| Loan and lease loss provision to assets | 0.0776% | 4,642 |
| Net operating income to assets | 1.1948% | 1,737 |
| Return on assets (ROA) | 1.2156% | 1,856 |
| Pretax return on assets | 1.8215% | 999 |
| Return on Equity (ROE) | 13.3454% | 1,268 |
| Retained earnings to average equity (ytd only) | 5.2327% | 3,135 |
| Net charge-offs to loans | 0.0080% | 5,363 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 361.1429% | 112 |
| Efficiency ratio | 55.8196% | 6,136 |
| Assets per employee ($millions) | 4.5974% | 2,733 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.5145% | 2,931 |
| Net loans and leases to deposits | 73.0028% | 3,460 |
| Net loans and leases to core deposits | 81.5508% | 3,013 |
| Total domestic deposits to total assets | 88.3727% | 1,909 |
| Equity capital to assets | 9.3232% | 5,291 |
| Core capital (leverage) ratio | 9.1459% | 4,694 |
| Tier 1 risk-based capital ratio | 12.8438% | 5,305 |
| Total risk-based capital ratio | 14.0974% | 5,275 |
| Memoranda: | ||
| Average total assets | $270,659,330 | 2,371 |
| Average earning assets | $251,056,330 | 2,347 |
| Average equity | $24,652,670 | 2,703 |
| Average total loans | $174,552,670 | 2,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 2,916 |
| Cost of funding earning assets | 0.9609% | 2,228 |
| Net interest margin | 3.7737% | 3,501 |
| Noninterest income to average assets | 0.5740% | 3,390 |
| Noninterest expense to average assets | 2.3435% | 5,652 |
| Loan and lease loss provision to assets | 0.0769% | 4,433 |
| Net operating income to assets | 1.1096% | 2,040 |
| Return on assets (ROA) | 1.1096% | 2,222 |
| Pretax return on assets | 1.6570% | 1,414 |
| Return on Equity (ROE) | 12.3282% | 1,571 |
| Retained earnings to average equity (ytd only) | -4.1094% | 6,508 |
| Net charge-offs to loans | 0.0139% | 4,502 |
| Credit loss provision to net charge-offs | 866.6667% | 405 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 186 |
| Efficiency ratio | 57.4746% | 5,977 |
| Assets per employee ($millions) | 4.5372% | 2,924 |
| Cash dividends to net income (ytd only)* | 133.3333% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,750 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 62.9172% | 3,068 |
| Net loans and leases to deposits | 70.9157% | 3,602 |
| Net loans and leases to core deposits | 79.0221% | 3,182 |
| Total domestic deposits to total assets | 88.7211% | 1,874 |
| Equity capital to assets | 8.9317% | 5,594 |
| Core capital (leverage) ratio | 8.8673% | 5,037 |
| Tier 1 risk-based capital ratio | 12.6385% | 5,490 |
| Total risk-based capital ratio | 13.8919% | 5,452 |
| Memoranda: | ||
| Average total assets | $270,364,500 | 2,380 |
| Average earning assets | $251,002,500 | 2,355 |
| Average equity | $24,334,500 | 2,733 |
| Average total loans | $172,860,500 | 2,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 3,112 |
| Cost of funding earning assets | 1.1040% | 2,644 |
| Net interest margin | 3.8442% | 3,602 |
| Noninterest income to average assets | 0.3842% | 4,752 |
| Noninterest expense to average assets | 2.2664% | 6,129 |
| Loan and lease loss provision to assets | 0.0485% | 5,978 |
| Net operating income to assets | 1.1123% | 1,787 |
| Return on assets (ROA) | 1.1303% | 1,843 |
| Pretax return on assets | 1.7119% | 963 |
| Return on Equity (ROE) | 13.4400% | 1,057 |
| Retained earnings to average equity (ytd only) | 10.8167% | 429 |
| Net charge-offs to loans | 0.0335% | 5,977 |
| Credit loss provision to net charge-offs | 227.5862% | 1,065 |
| Earnings coverage of net charge-offs (x) | 81.2759% | 364 |
| Efficiency ratio | 56.6648% | 6,232 |
| Assets per employee ($millions) | 4.5508% | 2,824 |
| Cash dividends to net income (ytd only)* | 19.5185% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 3,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,812 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.8336% | 3,444 |
| Net loans and leases to deposits | 70.8788% | 3,969 |
| Net loans and leases to core deposits | 78.2977% | 3,643 |
| Total domestic deposits to total assets | 88.6493% | 1,753 |
| Equity capital to assets | 9.0706% | 5,463 |
| Core capital (leverage) ratio | 8.9555% | 4,851 |
| Tier 1 risk-based capital ratio | 13.1301% | 4,968 |
| Total risk-based capital ratio | 14.3839% | 4,942 |
| Memoranda: | ||
| Average total assets | $271,972,000 | 2,323 |
| Average earning assets | $255,788,600 | 2,264 |
| Average equity | $22,872,000 | 2,797 |
| Average total loans | $173,296,400 | 2,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 3,077 |
| Cost of funding earning assets | 1.1369% | 2,715 |
| Net interest margin | 3.8653% | 3,546 |
| Noninterest income to average assets | 0.3528% | 5,031 |
| Noninterest expense to average assets | 2.2494% | 6,169 |
| Loan and lease loss provision to assets | 0.0582% | 5,714 |
| Net operating income to assets | 1.1051% | 1,946 |
| Return on assets (ROA) | 1.1283% | 2,008 |
| Pretax return on assets | 1.7206% | 1,098 |
| Return on Equity (ROE) | 13.6817% | 1,113 |
| Retained earnings to average equity (ytd only) | 10.1265% | 810 |
| Net charge-offs to loans | 0.0422% | 5,560 |
| Credit loss provision to net charge-offs | 216.3636% | 1,325 |
| Earnings coverage of net charge-offs (x) | 64.8740% | 506 |
| Efficiency ratio | 56.3334% | 6,237 |
| Assets per employee ($millions) | 4.5280% | 2,869 |
| Cash dividends to net income (ytd only)* | 25.9853% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 3,476 |
| Loan loss allowance to noncurrent loans | 94,466.6667% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 6,876 |
| Noncurrent loans to loans | 0.0017% | 6,968 |
| Net loans and leases to total assets | 62.4561% | 3,619 |
| Net loans and leases to deposits | 70.2958% | 4,250 |
| Net loans and leases to core deposits | 80.0657% | 3,627 |
| Total domestic deposits to total assets | 88.8475% | 1,518 |
| Equity capital to assets | 8.7754% | 6,001 |
| Core capital (leverage) ratio | 8.7443% | 5,347 |
| Tier 1 risk-based capital ratio | 12.6978% | 5,332 |
| Total risk-based capital ratio | 13.9511% | 5,308 |
| Memoranda: | ||
| Average total assets | $272,841,250 | 2,334 |
| Average earning assets | $256,949,250 | 2,269 |
| Average equity | $22,501,500 | 2,831 |
| Average total loans | $173,733,250 | 2,344 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 3,272 |
| Cost of funding earning assets | 1.1810% | 2,702 |
| Net interest margin | 3.7964% | 3,795 |
| Noninterest income to average assets | 0.3550% | 5,048 |
| Noninterest expense to average assets | 2.2779% | 6,182 |
| Loan and lease loss provision to assets | 0.0725% | 5,403 |
| Net operating income to assets | 1.0184% | 2,145 |
| Return on assets (ROA) | 1.0175% | 2,245 |
| Pretax return on assets | 1.5774% | 1,302 |
| Return on Equity (ROE) | 12.6049% | 1,308 |
| Retained earnings to average equity (ytd only) | 9.8844% | 877 |
| Net charge-offs to loans | 0.0620% | 5,029 |
| Credit loss provision to net charge-offs | 183.3333% | 1,648 |
| Earnings coverage of net charge-offs (x) | 41.7778% | 721 |
| Efficiency ratio | 57.9732% | 6,162 |
| Assets per employee ($millions) | 4.4828% | 2,871 |
| Cash dividends to net income (ytd only)* | 21.5827% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,729 |
| Loan loss allowance to noncurrent loans | 1,268.0180% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,673 |
| Noncurrent loans to loans | 0.1255% | 6,667 |
| Net loans and leases to total assets | 64.7424% | 3,311 |
| Net loans and leases to deposits | 72.7102% | 3,996 |
| Net loans and leases to core deposits | 84.3845% | 3,150 |
| Total domestic deposits to total assets | 89.0417% | 1,508 |
| Equity capital to assets | 8.5769% | 6,088 |
| Core capital (leverage) ratio | 8.3526% | 5,782 |
| Tier 1 risk-based capital ratio | 12.1955% | 5,618 |
| Total risk-based capital ratio | 13.4486% | 5,599 |
| Memoranda: | ||
| Average total assets | $273,228,670 | 2,341 |
| Average earning assets | $257,246,330 | 2,280 |
| Average equity | $22,055,000 | 2,870 |
| Average total loans | $174,139,670 | 2,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 3,811 |
| Cost of funding earning assets | 1.2215% | 2,674 |
| Net interest margin | 3.6305% | 4,427 |
| Noninterest income to average assets | 0.3937% | 4,755 |
| Noninterest expense to average assets | 2.2400% | 6,329 |
| Loan and lease loss provision to assets | 0.1148% | 4,575 |
| Net operating income to assets | 0.9152% | 2,493 |
| Return on assets (ROA) | 0.9152% | 2,549 |
| Pretax return on assets | 1.4541% | 1,588 |
| Return on Equity (ROE) | 11.6948% | 1,543 |
| Retained earnings to average equity (ytd only) | 6.1259% | 2,558 |
| Net charge-offs to loans | 0.1274% | 3,759 |
| Credit loss provision to net charge-offs | 143.6364% | 1,968 |
| Earnings coverage of net charge-offs (x) | 19.6364% | 1,134 |
| Efficiency ratio | 58.8101% | 6,154 |
| Assets per employee ($millions) | 5.0017% | 2,160 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,667 |
| Loan loss allowance to noncurrent loans | 155.3085% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 5,331 |
| Noncurrent loans to loans | 1.0405% | 4,978 |
| Net loans and leases to total assets | 60.7297% | 4,126 |
| Net loans and leases to deposits | 67.5821% | 4,733 |
| Net loans and leases to core deposits | 80.2054% | 3,719 |
| Total domestic deposits to total assets | 89.8607% | 1,238 |
| Equity capital to assets | 7.7848% | 6,686 |
| Core capital (leverage) ratio | 7.9298% | 6,327 |
| Tier 1 risk-based capital ratio | 11.8193% | 5,843 |
| Total risk-based capital ratio | 13.0725% | 5,839 |
| Memoranda: | ||
| Average total assets | $275,360,000 | 2,345 |
| Average earning assets | $259,025,000 | 2,277 |
| Average equity | $21,548,000 | 2,917 |
| Average total loans | $172,734,500 | 2,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2164% | 3,528 |
| Cost of funding earning assets | 1.5321% | 2,467 |
| Net interest margin | 3.6844% | 4,423 |
| Noninterest income to average assets | 0.3742% | 5,102 |
| Noninterest expense to average assets | 2.2159% | 6,577 |
| Loan and lease loss provision to assets | 0.1883% | 5,348 |
| Net operating income to assets | 0.9304% | 2,275 |
| Return on assets (ROA) | 0.9871% | 2,191 |
| Pretax return on assets | 1.5177% | 1,330 |
| Return on Equity (ROE) | 12.4855% | 1,224 |
| Retained earnings to average equity (ytd only) | 10.2985% | 467 |
| Net charge-offs to loans | 0.0937% | 5,907 |
| Credit loss provision to net charge-offs | 302.4691% | 884 |
| Earnings coverage of net charge-offs (x) | 26.0062% | 827 |
| Efficiency ratio | 57.7856% | 6,362 |
| Assets per employee ($millions) | 4.8326% | 2,376 |
| Cash dividends to net income (ytd only)* | 17.5165% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 3,550 |
| Loan loss allowance to noncurrent loans | 958.4775% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 6,139 |
| Noncurrent loans to loans | 0.1675% | 6,734 |
| Net loans and leases to total assets | 62.7452% | 4,122 |
| Net loans and leases to deposits | 69.9227% | 4,823 |
| Net loans and leases to core deposits | 83.9118% | 3,606 |
| Total domestic deposits to total assets | 89.7352% | 1,249 |
| Equity capital to assets | 7.8674% | 6,623 |
| Core capital (leverage) ratio | 7.8917% | 6,328 |
| Tier 1 risk-based capital ratio | 11.7647% | 5,679 |
| Total risk-based capital ratio | 13.0181% | 5,676 |
| Memoranda: | ||
| Average total assets | $260,257,800 | 2,453 |
| Average earning assets | $244,438,400 | 2,391 |
| Average equity | $20,575,800 | 3,066 |
| Average total loans | $172,970,800 | 2,432 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 3,742 |
| Cost of funding earning assets | 1.5865% | 2,464 |
| Net interest margin | 3.6329% | 4,712 |
| Noninterest income to average assets | 0.3824% | 5,092 |
| Noninterest expense to average assets | 2.1930% | 6,622 |
| Loan and lease loss provision to assets | 0.2272% | 4,801 |
| Net operating income to assets | 0.8894% | 2,650 |
| Return on assets (ROA) | 0.9247% | 2,650 |
| Pretax return on assets | 1.4292% | 1,795 |
| Return on Equity (ROE) | 11.6812% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.7396% | 1,140 |
| Net charge-offs to loans | 0.1055% | 5,487 |
| Credit loss provision to net charge-offs | 320.4380% | 987 |
| Earnings coverage of net charge-offs (x) | 22.5988% | 1,087 |
| Efficiency ratio | 57.7857% | 6,300 |
| Assets per employee ($millions) | 4.9747% | 2,214 |
| Cash dividends to net income (ytd only)* | 25.1820% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,490 |
| Loan loss allowance to noncurrent loans | 844.3077% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 6,259 |
| Noncurrent loans to loans | 0.1906% | 6,802 |
| Net loans and leases to total assets | 61.3075% | 4,664 |
| Net loans and leases to deposits | 68.8020% | 5,310 |
| Net loans and leases to core deposits | 82.1996% | 4,221 |
| Total domestic deposits to total assets | 89.1072% | 1,339 |
| Equity capital to assets | 7.8041% | 6,929 |
| Core capital (leverage) ratio | 7.9726% | 6,384 |
| Tier 1 risk-based capital ratio | 11.6298% | 5,808 |
| Total risk-based capital ratio | 12.8834% | 5,783 |
| Memoranda: | ||
| Average total assets | $257,666,500 | 2,516 |
| Average earning assets | $242,038,000 | 2,445 |
| Average equity | $20,397,000 | 3,138 |
| Average total loans | $173,070,250 | 2,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 3,474 |
| Cost of funding earning assets | 1.6756% | 2,257 |
| Net interest margin | 3.6237% | 4,715 |
| Noninterest income to average assets | 0.4058% | 4,863 |
| Noninterest expense to average assets | 2.2231% | 6,592 |
| Loan and lease loss provision to assets | 0.2259% | 4,646 |
| Net operating income to assets | 0.8896% | 2,585 |
| Return on assets (ROA) | 0.9431% | 2,482 |
| Pretax return on assets | 1.4432% | 1,716 |
| Return on Equity (ROE) | 11.8536% | 1,489 |
| Retained earnings to average equity (ytd only) | 8.8653% | 1,147 |
| Net charge-offs to loans | 0.1253% | 4,942 |
| Credit loss provision to net charge-offs | 261.4679% | 1,454 |
| Earnings coverage of net charge-offs (x) | 18.3670% | 1,291 |
| Efficiency ratio | 58.3524% | 6,329 |
| Assets per employee ($millions) | 4.5396% | 2,810 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 3,960 |
| Loan loss allowance to noncurrent loans | 424.3112% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 6,113 |
| Noncurrent loans to loans | 0.3524% | 6,529 |
| Net loans and leases to total assets | 69.0817% | 3,111 |
| Net loans and leases to deposits | 78.2976% | 3,914 |
| Net loans and leases to core deposits | 94.1254% | 2,695 |
| Total domestic deposits to total assets | 88.2296% | 1,865 |
| Equity capital to assets | 8.2863% | 6,440 |
| Core capital (leverage) ratio | 8.1236% | 6,079 |
| Tier 1 risk-based capital ratio | 11.2783% | 5,963 |
| Total risk-based capital ratio | 12.5306% | 5,949 |
| Memoranda: | ||
| Average total assets | $252,351,670 | 2,583 |
| Average earning assets | $237,049,000 | 2,518 |
| Average equity | $20,078,330 | 3,160 |
| Average total loans | $173,931,000 | 2,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 3,604 |
| Cost of funding earning assets | 1.7266% | 2,257 |
| Net interest margin | 3.5607% | 4,900 |
| Noninterest income to average assets | 0.3721% | 5,166 |
| Noninterest expense to average assets | 2.2358% | 6,592 |
| Loan and lease loss provision to assets | 0.2255% | 4,240 |
| Net operating income to assets | 0.8059% | 2,938 |
| Return on assets (ROA) | 0.8987% | 2,623 |
| Pretax return on assets | 1.3986% | 1,781 |
| Return on Equity (ROE) | 11.5309% | 1,632 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,889 |
| Net charge-offs to loans | 0.0877% | 4,544 |
| Credit loss provision to net charge-offs | 376.3158% | 1,068 |
| Earnings coverage of net charge-offs (x) | 24.6842% | 1,007 |
| Efficiency ratio | 60.1868% | 6,132 |
| Assets per employee ($millions) | 4.6041% | 2,793 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 4,119 |
| Loan loss allowance to noncurrent loans | 200.3934% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 5,818 |
| Noncurrent loans to loans | 0.7297% | 5,862 |
| Net loans and leases to total assets | 67.7811% | 3,443 |
| Net loans and leases to deposits | 76.5758% | 4,307 |
| Net loans and leases to core deposits | 91.2862% | 3,204 |
| Total domestic deposits to total assets | 88.5150% | 1,779 |
| Equity capital to assets | 7.8499% | 6,810 |
| Core capital (leverage) ratio | 7.8078% | 6,496 |
| Tier 1 risk-based capital ratio | 10.7040% | 6,435 |
| Total risk-based capital ratio | 11.9567% | 6,422 |
| Memoranda: | ||
| Average total assets | $253,689,000 | 2,617 |
| Average earning assets | $238,154,000 | 2,552 |
| Average equity | $19,773,000 | 3,223 |
| Average total loans | $173,347,000 | 2,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 2,950 |
| Cost of funding earning assets | 2.0809% | 2,563 |
| Net interest margin | 3.6504% | 4,350 |
| Noninterest income to average assets | 0.3767% | 5,402 |
| Noninterest expense to average assets | 2.2815% | 6,797 |
| Loan and lease loss provision to assets | 0.2662% | 5,281 |
| Net operating income to assets | 0.8279% | 2,421 |
| Return on assets (ROA) | 0.8889% | 2,286 |
| Pretax return on assets | 1.3371% | 1,594 |
| Return on Equity (ROE) | 11.4974% | 1,291 |
| Retained earnings to average equity (ytd only) | 9.3722% | 444 |
| Net charge-offs to loans | 0.0968% | 6,166 |
| Credit loss provision to net charge-offs | 381.1765% | 837 |
| Earnings coverage of net charge-offs (x) | 21.6353% | 989 |
| Efficiency ratio | 60.1603% | 6,472 |
| Assets per employee ($millions) | 4.6209% | 2,732 |
| Cash dividends to net income (ytd only)* | 18.4843% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,146 |
| Loan loss allowance to noncurrent loans | 176.4451% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 5,668 |
| Noncurrent loans to loans | 0.8023% | 5,677 |
| Net loans and leases to total assets | 66.9149% | 3,946 |
| Net loans and leases to deposits | 75.6678% | 4,801 |
| Net loans and leases to core deposits | 111.1543% | 2,779 |
| Total domestic deposits to total assets | 88.4325% | 1,758 |
| Equity capital to assets | 7.7387% | 6,825 |
| Core capital (leverage) ratio | 7.6705% | 6,587 |
| Tier 1 risk-based capital ratio | 10.8407% | 6,072 |
| Total risk-based capital ratio | 12.0919% | 6,046 |
| Memoranda: | ||
| Average total assets | $243,438,200 | 2,681 |
| Average earning assets | $227,782,200 | 2,616 |
| Average equity | $18,821,600 | 3,369 |
| Average total loans | $175,695,800 | 2,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 2,585 |
| Cost of funding earning assets | 2.1274% | 2,759 |
| Net interest margin | 3.7419% | 3,899 |
| Noninterest income to average assets | 0.3749% | 5,513 |
| Noninterest expense to average assets | 2.3447% | 6,576 |
| Loan and lease loss provision to assets | 0.2791% | 4,741 |
| Net operating income to assets | 0.8315% | 2,692 |
| Return on assets (ROA) | 0.9138% | 2,439 |
| Pretax return on assets | 1.3745% | 1,759 |
| Return on Equity (ROE) | 11.8213% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.9556% | 849 |
| Net charge-offs to loans | 0.1330% | 5,367 |
| Credit loss provision to net charge-offs | 286.3636% | 1,462 |
| Earnings coverage of net charge-offs (x) | 15.6875% | 1,521 |
| Efficiency ratio | 60.5289% | 6,344 |
| Assets per employee ($millions) | 4.5767% | 2,736 |
| Cash dividends to net income (ytd only)* | 24.2424% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,344 |
| Loan loss allowance to noncurrent loans | 352.6154% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 6,115 |
| Noncurrent loans to loans | 0.3762% | 6,597 |
| Net loans and leases to total assets | 67.7327% | 4,016 |
| Net loans and leases to deposits | 76.3218% | 4,980 |
| Net loans and leases to core deposits | 114.6461% | 2,767 |
| Total domestic deposits to total assets | 88.7462% | 1,316 |
| Equity capital to assets | 7.6224% | 7,211 |
| Core capital (leverage) ratio | 7.6730% | 6,765 |
| Tier 1 risk-based capital ratio | 10.5362% | 6,434 |
| Total risk-based capital ratio | 11.7863% | 6,391 |
| Memoranda: | ||
| Average total assets | $240,760,000 | 2,725 |
| Average earning assets | $225,120,500 | 2,671 |
| Average equity | $18,610,000 | 3,435 |
| Average total loans | $176,493,000 | 2,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 1,987 |
| Cost of funding earning assets | 2.1608% | 2,986 |
| Net interest margin | 3.8881% | 3,163 |
| Noninterest income to average assets | 0.3686% | 5,557 |
| Noninterest expense to average assets | 2.3922% | 6,490 |
| Loan and lease loss provision to assets | 0.3037% | 4,136 |
| Net operating income to assets | 0.8707% | 2,571 |
| Return on assets (ROA) | 0.9979% | 2,208 |
| Pretax return on assets | 1.4947% | 1,460 |
| Return on Equity (ROE) | 12.8464% | 1,211 |
| Retained earnings to average equity (ytd only) | 10.6745% | 617 |
| Net charge-offs to loans | 0.1035% | 5,126 |
| Credit loss provision to net charge-offs | 391.3043% | 1,188 |
| Earnings coverage of net charge-offs (x) | 20.7283% | 1,299 |
| Efficiency ratio | 59.7934% | 6,584 |
| Assets per employee ($millions) | 4.5253% | 2,725 |
| Cash dividends to net income (ytd only)* | 16.9062% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,732 |
| Loan loss allowance to noncurrent loans | 355.4140% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 6,033 |
| Noncurrent loans to loans | 0.3467% | 6,649 |
| Net loans and leases to total assets | 74.5985% | 2,543 |
| Net loans and leases to deposits | 84.4841% | 3,797 |
| Net loans and leases to core deposits | 121.8698% | 2,219 |
| Total domestic deposits to total assets | 88.2989% | 1,627 |
| Equity capital to assets | 7.8431% | 6,925 |
| Core capital (leverage) ratio | 7.9062% | 6,481 |
| Tier 1 risk-based capital ratio | 10.1990% | 6,714 |
| Total risk-based capital ratio | 11.4122% | 6,688 |
| Memoranda: | ||
| Average total assets | $237,107,000 | 2,778 |
| Average earning assets | $221,496,330 | 2,726 |
| Average equity | $18,417,670 | 3,486 |
| Average total loans | $177,728,000 | 2,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0844% | 1,998 |
| Cost of funding earning assets | 2.2234% | 3,044 |
| Net interest margin | 3.8609% | 3,209 |
| Noninterest income to average assets | 0.3461% | 5,680 |
| Noninterest expense to average assets | 2.2516% | 6,687 |
| Loan and lease loss provision to assets | 0.2392% | 4,068 |
| Net operating income to assets | 0.8823% | 2,782 |
| Return on assets (ROA) | 0.8823% | 2,925 |
| Pretax return on assets | 1.4558% | 1,802 |
| Return on Equity (ROE) | 11.4154% | 1,841 |
| Retained earnings to average equity (ytd only) | 7.0249% | 2,198 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0507% | 6,814 |
| Assets per employee ($millions) | 4.6368% | 2,521 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 4,856 |
| Loan loss allowance to noncurrent loans | 310.9306% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 5,790 |
| Noncurrent loans to loans | 0.3837% | 6,459 |
| Net loans and leases to total assets | 73.7224% | 2,824 |
| Net loans and leases to deposits | 83.8845% | 4,001 |
| Net loans and leases to core deposits | 118.0752% | 2,593 |
| Total domestic deposits to total assets | 87.8856% | 1,801 |
| Equity capital to assets | 7.7669% | 7,107 |
| Core capital (leverage) ratio | 7.6425% | 6,967 |
| Tier 1 risk-based capital ratio | 9.8839% | 7,057 |
| Total risk-based capital ratio | 11.0332% | 7,067 |
| Memoranda: | ||
| Average total assets | $235,740,500 | 2,815 |
| Average earning assets | $219,842,500 | 2,766 |
| Average equity | $18,221,000 | 3,535 |
| Average total loans | $176,017,500 | 2,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8090% | 1,649 |
| Cost of funding earning assets | 2.8356% | 2,550 |
| Net interest margin | 3.9734% | 3,249 |
| Noninterest income to average assets | 0.3903% | 5,556 |
| Noninterest expense to average assets | 2.2739% | 6,776 |
| Loan and lease loss provision to assets | 0.1314% | 5,684 |
| Net operating income to assets | 1.1078% | 2,116 |
| Return on assets (ROA) | 1.1078% | 2,029 |
| Pretax return on assets | 1.6777% | 1,195 |
| Return on Equity (ROE) | 14.8110% | 953 |
| Retained earnings to average equity (ytd only) | 8.6617% | 664 |
| Net charge-offs to loans | 0.1681% | 4,516 |
| Credit loss provision to net charge-offs | 104.5296% | 5,118 |
| Earnings coverage of net charge-offs (x) | 14.3902% | 2,037 |
| Efficiency ratio | 55.6914% | 7,055 |
| Assets per employee ($millions) | 4.7000% | 2,326 |
| Cash dividends to net income (ytd only)* | 41.5184% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,144 |
| Loan loss allowance to noncurrent loans | 303.5549% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 5,523 |
| Noncurrent loans to loans | 0.3685% | 6,261 |
| Net loans and leases to total assets | 73.8836% | 3,129 |
| Net loans and leases to deposits | 84.2143% | 4,393 |
| Net loans and leases to core deposits | 117.9482% | 2,893 |
| Total domestic deposits to total assets | 87.7329% | 1,588 |
| Equity capital to assets | 7.6914% | 7,212 |
| Core capital (leverage) ratio | 7.4863% | 7,222 |
| Tier 1 risk-based capital ratio | 9.7585% | 7,005 |
| Total risk-based capital ratio | 10.8363% | 7,114 |
| Memoranda: | ||
| Average total assets | $228,288,200 | 2,789 |
| Average earning assets | $212,159,800 | 2,747 |
| Average equity | $17,075,200 | 3,725 |
| Average total loans | $170,763,200 | 2,602 |