Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 694 |
| Cost of funding earning assets | 0.7615% | 3,259 |
| Net interest margin | 4.7284% | 632 |
| Noninterest income to average assets | 0.4542% | 4,260 |
| Noninterest expense to average assets | 3.6536% | 1,449 |
| Loan and lease loss provision to assets | 0.2729% | 2,394 |
| Net operating income to assets | 1.0050% | 2,474 |
| Return on assets (ROA) | 1.0050% | 2,706 |
| Pretax return on assets | 1.0050% | 3,686 |
| Return on Equity (ROE) | 9.6188% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.0887% | 2,641 |
| Net charge-offs to loans | 0.0291% | 5,257 |
| Credit loss provision to net charge-offs | 1,262.7907% | 218 |
| Earnings coverage of net charge-offs (x) | 59.1415% | 659 |
| Efficiency ratio | 74.0880% | 2,969 |
| Assets per employee ($millions) | 3.0313% | 6,002 |
| Cash dividends to net income (ytd only)* | 36.6999% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,474 |
| Loan loss allowance to noncurrent loans | 3,172.4490% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 6,434 |
| Noncurrent loans to loans | 0.0508% | 6,490 |
| Net loans and leases to total assets | 76.3711% | 913 |
| Net loans and leases to deposits | 84.1103% | 1,861 |
| Net loans and leases to core deposits | 88.8955% | 2,114 |
| Total domestic deposits to total assets | 90.7987% | 475 |
| Equity capital to assets | 8.7265% | 6,086 |
| Core capital (leverage) ratio | 7.9222% | 6,388 |
| Tier 1 risk-based capital ratio | 10.5231% | 6,660 |
| Total risk-based capital ratio | 11.7767% | 6,640 |
| Memoranda: | ||
| Average total assets | $265,338,750 | 2,414 |
| Average earning assets | $251,241,500 | 2,341 |
| Average equity | $27,722,750 | 2,438 |
| Average total loans | $197,125,750 | 2,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 909 |
| Cost of funding earning assets | 0.7397% | 3,689 |
| Net interest margin | 4.6387% | 764 |
| Noninterest income to average assets | 0.4274% | 4,454 |
| Noninterest expense to average assets | 3.1189% | 2,864 |
| Loan and lease loss provision to assets | 0.2672% | 2,447 |
| Net operating income to assets | 1.4483% | 1,091 |
| Return on assets (ROA) | 1.4483% | 1,221 |
| Pretax return on assets | 1.4483% | 2,016 |
| Return on Equity (ROE) | 13.1973% | 1,309 |
| Retained earnings to average equity (ytd only) | 8.3610% | 1,494 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5137% | 4,797 |
| Assets per employee ($millions) | 3.2319% | 5,590 |
| Cash dividends to net income (ytd only)* | 36.6463% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,981 |
| Loan loss allowance to noncurrent loans | 219.3501% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 5,330 |
| Noncurrent loans to loans | 0.6863% | 5,136 |
| Net loans and leases to total assets | 72.4407% | 1,480 |
| Net loans and leases to deposits | 83.8939% | 1,861 |
| Net loans and leases to core deposits | 89.3462% | 2,054 |
| Total domestic deposits to total assets | 86.3480% | 3,165 |
| Equity capital to assets | 11.3246% | 2,758 |
| Core capital (leverage) ratio | 11.1212% | 2,187 |
| Tier 1 risk-based capital ratio | 14.6502% | 3,999 |
| Total risk-based capital ratio | 15.9028% | 3,962 |
| Memoranda: | ||
| Average total assets | $270,930,330 | 2,368 |
| Average earning assets | $257,401,000 | 2,284 |
| Average equity | $29,733,330 | 2,274 |
| Average total loans | $198,521,000 | 2,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 888 |
| Cost of funding earning assets | 0.7931% | 3,531 |
| Net interest margin | 4.6223% | 791 |
| Noninterest income to average assets | 0.4231% | 4,495 |
| Noninterest expense to average assets | 3.0763% | 2,997 |
| Loan and lease loss provision to assets | 0.2674% | 2,321 |
| Net operating income to assets | 1.4721% | 1,076 |
| Return on assets (ROA) | 1.4721% | 1,201 |
| Pretax return on assets | 1.4721% | 1,954 |
| Return on Equity (ROE) | 13.6276% | 1,273 |
| Retained earnings to average equity (ytd only) | 8.7314% | 1,689 |
| Net charge-offs to loans | -0.0161% | 6,107 |
| Credit loss provision to net charge-offs | -2,275.0000% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8804% | 4,944 |
| Assets per employee ($millions) | 3.3152% | 5,528 |
| Cash dividends to net income (ytd only)* | 35.9281% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,556 |
| Loan loss allowance to noncurrent loans | 130.2001% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 4,807 |
| Noncurrent loans to loans | 1.0848% | 4,521 |
| Net loans and leases to total assets | 71.8430% | 1,428 |
| Net loans and leases to deposits | 83.3014% | 1,752 |
| Net loans and leases to core deposits | 89.7243% | 1,877 |
| Total domestic deposits to total assets | 86.2447% | 3,388 |
| Equity capital to assets | 10.9313% | 2,994 |
| Core capital (leverage) ratio | 10.7477% | 2,499 |
| Tier 1 risk-based capital ratio | 14.1182% | 4,384 |
| Total risk-based capital ratio | 15.3696% | 4,350 |
| Memoranda: | ||
| Average total assets | $272,272,000 | 2,366 |
| Average earning assets | $258,747,000 | 2,289 |
| Average equity | $29,411,000 | 2,299 |
| Average total loans | $199,136,500 | 2,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7417% | 716 |
| Cost of funding earning assets | 0.9805% | 3,512 |
| Net interest margin | 4.7611% | 673 |
| Noninterest income to average assets | 0.5231% | 3,697 |
| Noninterest expense to average assets | 3.1053% | 3,178 |
| Loan and lease loss provision to assets | 0.2683% | 3,531 |
| Net operating income to assets | 1.6532% | 601 |
| Return on assets (ROA) | 1.6562% | 639 |
| Pretax return on assets | 1.6562% | 1,090 |
| Return on Equity (ROE) | 16.2836% | 564 |
| Retained earnings to average equity (ytd only) | 9.0404% | 789 |
| Net charge-offs to loans | 0.1978% | 4,559 |
| Credit loss provision to net charge-offs | 180.4938% | 1,441 |
| Earnings coverage of net charge-offs (x) | 12.9259% | 1,584 |
| Efficiency ratio | 61.7744% | 5,491 |
| Assets per employee ($millions) | 3.1709% | 5,771 |
| Cash dividends to net income (ytd only)* | 44.4814% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,890 |
| Loan loss allowance to noncurrent loans | 157.8692% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 5,296 |
| Noncurrent loans to loans | 0.8253% | 5,036 |
| Net loans and leases to total assets | 72.4481% | 1,566 |
| Net loans and leases to deposits | 83.6318% | 1,966 |
| Net loans and leases to core deposits | 90.1498% | 2,107 |
| Total domestic deposits to total assets | 86.6274% | 2,959 |
| Equity capital to assets | 10.6733% | 3,341 |
| Core capital (leverage) ratio | 10.3535% | 2,907 |
| Tier 1 risk-based capital ratio | 13.5693% | 4,640 |
| Total risk-based capital ratio | 14.8104% | 4,624 |
| Memoranda: | ||
| Average total assets | $272,433,400 | 2,318 |
| Average earning assets | $257,712,600 | 2,252 |
| Average equity | $27,708,800 | 2,346 |
| Average total loans | $204,714,800 | 1,998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7669% | 748 |
| Cost of funding earning assets | 1.0054% | 3,644 |
| Net interest margin | 4.7615% | 673 |
| Noninterest income to average assets | 0.5292% | 3,661 |
| Noninterest expense to average assets | 3.1344% | 3,041 |
| Loan and lease loss provision to assets | 0.2658% | 3,380 |
| Net operating income to assets | 1.6286% | 740 |
| Return on assets (ROA) | 1.6286% | 809 |
| Pretax return on assets | 1.6286% | 1,308 |
| Return on Equity (ROE) | 16.2133% | 651 |
| Retained earnings to average equity (ytd only) | 9.6442% | 941 |
| Net charge-offs to loans | 0.2617% | 3,800 |
| Credit loss provision to net charge-offs | 134.4059% | 2,369 |
| Earnings coverage of net charge-offs (x) | 9.5793% | 2,029 |
| Efficiency ratio | 62.3284% | 5,363 |
| Assets per employee ($millions) | 3.1450% | 5,800 |
| Cash dividends to net income (ytd only)* | 40.5170% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,547 |
| Loan loss allowance to noncurrent loans | 56.7112% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 3,486 |
| Noncurrent loans to loans | 2.0832% | 3,265 |
| Net loans and leases to total assets | 74.8708% | 1,169 |
| Net loans and leases to deposits | 86.4826% | 1,623 |
| Net loans and leases to core deposits | 93.1713% | 1,861 |
| Total domestic deposits to total assets | 86.5732% | 2,896 |
| Equity capital to assets | 10.6032% | 3,566 |
| Core capital (leverage) ratio | 10.3774% | 3,008 |
| Tier 1 risk-based capital ratio | 13.0570% | 5,055 |
| Total risk-based capital ratio | 14.1865% | 5,123 |
| Memoranda: | ||
| Average total assets | $272,366,750 | 2,338 |
| Average earning assets | $257,392,000 | 2,267 |
| Average equity | $27,359,500 | 2,371 |
| Average total loans | $205,850,000 | 2,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 777 |
| Cost of funding earning assets | 1.0150% | 3,849 |
| Net interest margin | 4.7484% | 659 |
| Noninterest income to average assets | 0.4747% | 4,065 |
| Noninterest expense to average assets | 3.1114% | 3,210 |
| Loan and lease loss provision to assets | 0.2659% | 3,275 |
| Net operating income to assets | 1.5802% | 760 |
| Return on assets (ROA) | 1.5744% | 810 |
| Pretax return on assets | 1.5744% | 1,310 |
| Return on Equity (ROE) | 15.9660% | 680 |
| Retained earnings to average equity (ytd only) | 9.5469% | 949 |
| Net charge-offs to loans | 0.0058% | 5,794 |
| Credit loss provision to net charge-offs | 6,050.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 79 |
| Efficiency ratio | 62.7605% | 5,442 |
| Assets per employee ($millions) | 3.1097% | 5,855 |
| Cash dividends to net income (ytd only)* | 40.2047% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,166 |
| Loan loss allowance to noncurrent loans | 63.1491% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 3,656 |
| Noncurrent loans to loans | 2.0216% | 3,449 |
| Net loans and leases to total assets | 76.3098% | 1,035 |
| Net loans and leases to deposits | 87.9011% | 1,515 |
| Net loans and leases to core deposits | 94.5108% | 1,846 |
| Total domestic deposits to total assets | 86.8133% | 2,848 |
| Equity capital to assets | 10.3685% | 3,668 |
| Core capital (leverage) ratio | 10.1732% | 3,065 |
| Tier 1 risk-based capital ratio | 12.7565% | 5,124 |
| Total risk-based capital ratio | 13.9900% | 5,116 |
| Memoranda: | ||
| Average total assets | $272,997,670 | 2,345 |
| Average earning assets | $257,730,000 | 2,275 |
| Average equity | $26,919,670 | 2,391 |
| Average total loans | $206,157,670 | 2,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 960 |
| Cost of funding earning assets | 1.0248% | 4,030 |
| Net interest margin | 4.6337% | 809 |
| Noninterest income to average assets | 0.4830% | 4,020 |
| Noninterest expense to average assets | 3.0677% | 3,393 |
| Loan and lease loss provision to assets | 0.2654% | 3,015 |
| Net operating income to assets | 1.5244% | 836 |
| Return on assets (ROA) | 1.5128% | 892 |
| Pretax return on assets | 1.5128% | 1,409 |
| Return on Equity (ROE) | 15.7345% | 706 |
| Retained earnings to average equity (ytd only) | 10.3338% | 1,036 |
| Net charge-offs to loans | -0.0039% | 6,217 |
| Credit loss provision to net charge-offs | -9,150.0000% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1532% | 5,493 |
| Assets per employee ($millions) | 3.1296% | 5,873 |
| Cash dividends to net income (ytd only)* | 34.3241% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,629 |
| Loan loss allowance to noncurrent loans | 159.6764% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 5,489 |
| Noncurrent loans to loans | 0.7522% | 5,518 |
| Net loans and leases to total assets | 75.3975% | 1,125 |
| Net loans and leases to deposits | 86.5305% | 1,646 |
| Net loans and leases to core deposits | 93.0563% | 2,002 |
| Total domestic deposits to total assets | 87.1340% | 2,869 |
| Equity capital to assets | 9.9932% | 3,782 |
| Core capital (leverage) ratio | 9.7039% | 3,519 |
| Tier 1 risk-based capital ratio | 12.4977% | 5,270 |
| Total risk-based capital ratio | 13.6528% | 5,337 |
| Memoranda: | ||
| Average total assets | $275,778,500 | 2,338 |
| Average earning assets | $260,355,500 | 2,270 |
| Average equity | $26,515,000 | 2,411 |
| Average total loans | $205,877,000 | 2,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 873 |
| Cost of funding earning assets | 1.2246% | 4,391 |
| Net interest margin | 4.7596% | 719 |
| Noninterest income to average assets | 0.5705% | 3,672 |
| Noninterest expense to average assets | 3.2299% | 2,979 |
| Loan and lease loss provision to assets | 0.2830% | 4,542 |
| Net operating income to assets | 1.5294% | 715 |
| Return on assets (ROA) | 1.4462% | 929 |
| Pretax return on assets | 1.4462% | 1,524 |
| Return on Equity (ROE) | 14.8108% | 743 |
| Retained earnings to average equity (ytd only) | 6.8090% | 1,405 |
| Net charge-offs to loans | 0.2480% | 4,805 |
| Credit loss provision to net charge-offs | 147.6096% | 2,482 |
| Earnings coverage of net charge-offs (x) | 9.4542% | 1,817 |
| Efficiency ratio | 64.0563% | 5,346 |
| Assets per employee ($millions) | 3.2093% | 5,646 |
| Cash dividends to net income (ytd only)* | 54.0269% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,936 |
| Loan loss allowance to noncurrent loans | 114.3287% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 5,310 |
| Noncurrent loans to loans | 0.9672% | 5,115 |
| Net loans and leases to total assets | 72.2620% | 2,039 |
| Net loans and leases to deposits | 83.7800% | 2,486 |
| Net loans and leases to core deposits | 90.6353% | 2,673 |
| Total domestic deposits to total assets | 86.2521% | 3,229 |
| Equity capital to assets | 9.2538% | 4,749 |
| Core capital (leverage) ratio | 9.3111% | 3,992 |
| Tier 1 risk-based capital ratio | 12.1022% | 5,384 |
| Total risk-based capital ratio | 13.1642% | 5,534 |
| Memoranda: | ||
| Average total assets | $261,863,400 | 2,438 |
| Average earning assets | $246,031,200 | 2,371 |
| Average equity | $25,569,200 | 2,491 |
| Average total loans | $202,393,600 | 2,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0717% | 806 |
| Cost of funding earning assets | 1.2437% | 4,608 |
| Net interest margin | 4.8279% | 637 |
| Noninterest income to average assets | 0.5869% | 3,526 |
| Noninterest expense to average assets | 3.2901% | 2,601 |
| Loan and lease loss provision to assets | 0.2914% | 4,245 |
| Net operating income to assets | 1.5414% | 846 |
| Return on assets (ROA) | 1.5414% | 927 |
| Pretax return on assets | 1.5414% | 1,502 |
| Return on Equity (ROE) | 15.5625% | 770 |
| Retained earnings to average equity (ytd only) | 10.9483% | 615 |
| Net charge-offs to loans | 0.0953% | 5,580 |
| Credit loss provision to net charge-offs | 389.5833% | 787 |
| Earnings coverage of net charge-offs (x) | 24.5064% | 1,027 |
| Efficiency ratio | 64.2234% | 5,206 |
| Assets per employee ($millions) | 2.9628% | 6,241 |
| Cash dividends to net income (ytd only)* | 29.6495% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,507 |
| Loan loss allowance to noncurrent loans | 255.7173% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 6,075 |
| Noncurrent loans to loans | 0.4686% | 6,254 |
| Net loans and leases to total assets | 76.9272% | 1,233 |
| Net loans and leases to deposits | 89.8034% | 1,751 |
| Net loans and leases to core deposits | 97.5207% | 2,092 |
| Total domestic deposits to total assets | 85.6618% | 3,262 |
| Equity capital to assets | 10.0650% | 4,071 |
| Core capital (leverage) ratio | 9.8555% | 3,423 |
| Tier 1 risk-based capital ratio | 12.1621% | 5,308 |
| Total risk-based capital ratio | 13.3068% | 5,381 |
| Memoranda: | ||
| Average total assets | $256,725,750 | 2,521 |
| Average earning assets | $241,201,250 | 2,452 |
| Average equity | $25,428,000 | 2,545 |
| Average total loans | $201,402,000 | 2,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0700% | 806 |
| Cost of funding earning assets | 1.2550% | 4,794 |
| Net interest margin | 4.8150% | 644 |
| Noninterest income to average assets | 0.6116% | 3,243 |
| Noninterest expense to average assets | 3.3120% | 2,528 |
| Loan and lease loss provision to assets | 0.2995% | 3,996 |
| Net operating income to assets | 1.5243% | 867 |
| Return on assets (ROA) | 1.5243% | 926 |
| Pretax return on assets | 1.5243% | 1,492 |
| Return on Equity (ROE) | 15.4765% | 764 |
| Retained earnings to average equity (ytd only) | 12.8425% | 396 |
| Net charge-offs to loans | 0.0800% | 5,337 |
| Credit loss provision to net charge-offs | 476.2500% | 779 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 939 |
| Efficiency ratio | 64.4880% | 5,243 |
| Assets per employee ($millions) | 3.0831% | 5,970 |
| Cash dividends to net income (ytd only)* | 17.0191% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,648 |
| Loan loss allowance to noncurrent loans | 257.5824% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 6,198 |
| Noncurrent loans to loans | 0.4506% | 6,346 |
| Net loans and leases to total assets | 76.1749% | 1,463 |
| Net loans and leases to deposits | 88.7277% | 2,047 |
| Net loans and leases to core deposits | 95.3597% | 2,526 |
| Total domestic deposits to total assets | 85.8525% | 3,175 |
| Equity capital to assets | 9.9244% | 4,105 |
| Core capital (leverage) ratio | 9.9322% | 3,243 |
| Tier 1 risk-based capital ratio | 12.2910% | 5,044 |
| Total risk-based capital ratio | 13.4144% | 5,138 |
| Memoranda: | ||
| Average total assets | $254,405,330 | 2,560 |
| Average earning assets | $239,045,000 | 2,489 |
| Average equity | $25,057,330 | 2,581 |
| Average total loans | $200,100,330 | 2,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9794% | 1,016 |
| Cost of funding earning assets | 1.2717% | 4,986 |
| Net interest margin | 4.7077% | 770 |
| Noninterest income to average assets | 0.6353% | 3,040 |
| Noninterest expense to average assets | 3.3331% | 2,420 |
| Loan and lease loss provision to assets | 0.3209% | 3,495 |
| Net operating income to assets | 1.4016% | 1,071 |
| Return on assets (ROA) | 1.4016% | 1,143 |
| Pretax return on assets | 1.4016% | 1,774 |
| Return on Equity (ROE) | 14.2869% | 998 |
| Retained earnings to average equity (ytd only) | 8.9171% | 1,422 |
| Net charge-offs to loans | 0.0663% | 4,745 |
| Credit loss provision to net charge-offs | 609.0909% | 715 |
| Earnings coverage of net charge-offs (x) | 32.6970% | 822 |
| Efficiency ratio | 65.9299% | 5,128 |
| Assets per employee ($millions) | 3.0729% | 6,061 |
| Cash dividends to net income (ytd only)* | 37.5854% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 6,016 |
| Loan loss allowance to noncurrent loans | 112.0628% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,423 |
| Noncurrent loans to loans | 0.9789% | 5,371 |
| Net loans and leases to total assets | 78.1569% | 1,122 |
| Net loans and leases to deposits | 91.8135% | 1,636 |
| Net loans and leases to core deposits | 102.8353% | 1,833 |
| Total domestic deposits to total assets | 85.1257% | 3,596 |
| Equity capital to assets | 9.7404% | 4,181 |
| Core capital (leverage) ratio | 9.8324% | 3,364 |
| Tier 1 risk-based capital ratio | 11.8438% | 5,353 |
| Total risk-based capital ratio | 12.9090% | 5,482 |
| Memoranda: | ||
| Average total assets | $250,578,000 | 2,647 |
| Average earning assets | $235,272,500 | 2,590 |
| Average equity | $24,582,000 | 2,654 |
| Average total loans | $199,166,500 | 2,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1862% | 1,269 |
| Cost of funding earning assets | 1.5843% | 5,106 |
| Net interest margin | 4.6020% | 982 |
| Noninterest income to average assets | 0.7211% | 2,845 |
| Noninterest expense to average assets | 3.4938% | 2,389 |
| Loan and lease loss provision to assets | 0.2482% | 5,406 |
| Net operating income to assets | 1.2604% | 1,112 |
| Return on assets (ROA) | 1.2604% | 1,167 |
| Pretax return on assets | 1.2604% | 1,809 |
| Return on Equity (ROE) | 12.9259% | 980 |
| Retained earnings to average equity (ytd only) | 6.7763% | 1,047 |
| Net charge-offs to loans | 0.2484% | 5,071 |
| Credit loss provision to net charge-offs | 125.4697% | 4,165 |
| Earnings coverage of net charge-offs (x) | 7.6263% | 2,113 |
| Efficiency ratio | 69.8423% | 4,658 |
| Assets per employee ($millions) | 3.0013% | 6,221 |
| Cash dividends to net income (ytd only)* | 47.5754% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,179 |
| Loan loss allowance to noncurrent loans | 173.3673% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 6,072 |
| Noncurrent loans to loans | 0.5991% | 6,043 |
| Net loans and leases to total assets | 79.1280% | 1,156 |
| Net loans and leases to deposits | 93.2332% | 1,704 |
| Net loans and leases to core deposits | 119.0461% | 2,030 |
| Total domestic deposits to total assets | 84.8711% | 3,613 |
| Equity capital to assets | 9.8824% | 3,909 |
| Core capital (leverage) ratio | 9.7122% | 3,439 |
| Tier 1 risk-based capital ratio | 11.7385% | 5,162 |
| Total risk-based capital ratio | 12.7368% | 5,367 |
| Memoranda: | ||
| Average total assets | $242,141,200 | 2,695 |
| Average earning assets | $225,274,000 | 2,645 |
| Average equity | $23,611,600 | 2,779 |
| Average total loans | $192,847,200 | 2,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1795% | 1,422 |
| Cost of funding earning assets | 1.6479% | 5,171 |
| Net interest margin | 4.5317% | 1,118 |
| Noninterest income to average assets | 0.7226% | 2,863 |
| Noninterest expense to average assets | 3.4993% | 2,284 |
| Loan and lease loss provision to assets | 0.2344% | 5,102 |
| Net operating income to assets | 1.1976% | 1,471 |
| Return on assets (ROA) | 1.1976% | 1,532 |
| Pretax return on assets | 1.1976% | 2,270 |
| Return on Equity (ROE) | 12.3235% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.3167% | 1,389 |
| Net charge-offs to loans | 0.0285% | 6,482 |
| Credit loss provision to net charge-offs | 1,034.1463% | 361 |
| Earnings coverage of net charge-offs (x) | 63.1654% | 517 |
| Efficiency ratio | 70.9609% | 4,432 |
| Assets per employee ($millions) | 3.0543% | 6,031 |
| Cash dividends to net income (ytd only)* | 40.6277% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 5,161 |
| Loan loss allowance to noncurrent loans | 186.5587% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 6,032 |
| Noncurrent loans to loans | 0.6393% | 6,019 |
| Net loans and leases to total assets | 77.1566% | 1,754 |
| Net loans and leases to deposits | 90.9097% | 2,411 |
| Net loans and leases to core deposits | 116.3545% | 2,588 |
| Total domestic deposits to total assets | 84.8717% | 3,298 |
| Equity capital to assets | 9.7297% | 4,452 |
| Core capital (leverage) ratio | 9.5277% | 3,875 |
| Tier 1 risk-based capital ratio | 11.8871% | 5,074 |
| Total risk-based capital ratio | 13.0422% | 5,105 |
| Memoranda: | ||
| Average total assets | $241,150,250 | 2,721 |
| Average earning assets | $223,959,000 | 2,689 |
| Average equity | $23,434,250 | 2,814 |
| Average total loans | $191,863,500 | 2,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2892% | 1,234 |
| Cost of funding earning assets | 1.7174% | 5,186 |
| Net interest margin | 4.5718% | 1,015 |
| Noninterest income to average assets | 0.6550% | 3,306 |
| Noninterest expense to average assets | 3.5555% | 2,177 |
| Loan and lease loss provision to assets | 0.2016% | 5,040 |
| Net operating income to assets | 1.1227% | 1,688 |
| Return on assets (ROA) | 1.1227% | 1,774 |
| Pretax return on assets | 1.1227% | 2,556 |
| Return on Equity (ROE) | 11.5580% | 1,544 |
| Retained earnings to average equity (ytd only) | 6.8211% | 1,659 |
| Net charge-offs to loans | 0.0439% | 5,852 |
| Credit loss provision to net charge-offs | 573.8095% | 814 |
| Earnings coverage of net charge-offs (x) | 37.6905% | 846 |
| Efficiency ratio | 72.8613% | 4,238 |
| Assets per employee ($millions) | 2.8832% | 6,438 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,561 |
| Loan loss allowance to noncurrent loans | 224.7084% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 6,124 |
| Noncurrent loans to loans | 0.4922% | 6,294 |
| Net loans and leases to total assets | 78.2271% | 1,692 |
| Net loans and leases to deposits | 92.1783% | 2,438 |
| Net loans and leases to core deposits | 120.4059% | 2,334 |
| Total domestic deposits to total assets | 84.8649% | 3,327 |
| Equity capital to assets | 9.6971% | 4,353 |
| Core capital (leverage) ratio | 9.6761% | 3,660 |
| Tier 1 risk-based capital ratio | 11.8882% | 5,011 |
| Total risk-based capital ratio | 12.9739% | 5,099 |
| Memoranda: | ||
| Average total assets | $239,068,000 | 2,760 |
| Average earning assets | $220,919,330 | 2,733 |
| Average equity | $23,222,000 | 2,843 |
| Average total loans | $191,422,330 | 2,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3812% | 1,111 |
| Cost of funding earning assets | 1.7131% | 5,548 |
| Net interest margin | 4.6682% | 825 |
| Noninterest income to average assets | 0.6198% | 3,414 |
| Noninterest expense to average assets | 3.4710% | 2,168 |
| Loan and lease loss provision to assets | 0.2274% | 4,171 |
| Net operating income to assets | 1.2446% | 1,523 |
| Return on assets (ROA) | 1.2446% | 1,629 |
| Pretax return on assets | 1.2446% | 2,467 |
| Return on Equity (ROE) | 12.8018% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.8018% | 667 |
| Net charge-offs to loans | -0.0585% | 7,743 |
| Credit loss provision to net charge-offs | -482.1429% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2215% | 4,526 |
| Assets per employee ($millions) | 2.8024% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,506 |
| Loan loss allowance to noncurrent loans | 256.0197% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 6,034 |
| Noncurrent loans to loans | 0.4281% | 6,350 |
| Net loans and leases to total assets | 78.0256% | 1,819 |
| Net loans and leases to deposits | 91.9710% | 2,608 |
| Net loans and leases to core deposits | 119.7725% | 2,433 |
| Total domestic deposits to total assets | 84.8371% | 3,279 |
| Equity capital to assets | 9.7268% | 4,340 |
| Core capital (leverage) ratio | 9.8972% | 3,522 |
| Tier 1 risk-based capital ratio | 11.6217% | 5,278 |
| Total risk-based capital ratio | 12.6677% | 5,390 |
| Memoranda: | ||
| Average total assets | $237,509,000 | 2,792 |
| Average earning assets | $219,958,000 | 2,763 |
| Average equity | $23,090,500 | 2,870 |
| Average total loans | $191,346,500 | 2,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0234% | 1,073 |
| Cost of funding earning assets | 2.1764% | 5,698 |
| Net interest margin | 4.8470% | 711 |
| Noninterest income to average assets | 0.6796% | 3,250 |
| Noninterest expense to average assets | 3.6147% | 2,107 |
| Loan and lease loss provision to assets | 0.1804% | 5,092 |
| Net operating income to assets | 1.3305% | 1,402 |
| Return on assets (ROA) | 1.3197% | 1,381 |
| Pretax return on assets | 1.3197% | 2,243 |
| Return on Equity (ROE) | 14.0595% | 1,092 |
| Retained earnings to average equity (ytd only) | 8.1098% | 814 |
| Net charge-offs to loans | 0.3814% | 2,924 |
| Credit loss provision to net charge-offs | 59.8291% | 6,233 |
| Earnings coverage of net charge-offs (x) | 5.0100% | 3,783 |
| Efficiency ratio | 70.5222% | 4,242 |
| Assets per employee ($millions) | 2.8538% | 6,439 |
| Cash dividends to net income (ytd only)* | 42.3177% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,082 |
| Loan loss allowance to noncurrent loans | 221.3134% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 5,618 |
| Noncurrent loans to loans | 0.4508% | 5,999 |
| Net loans and leases to total assets | 81.4666% | 1,326 |
| Net loans and leases to deposits | 96.1402% | 2,424 |
| Net loans and leases to core deposits | 123.2259% | 2,383 |
| Total domestic deposits to total assets | 84.7373% | 2,958 |
| Equity capital to assets | 9.7169% | 4,402 |
| Core capital (leverage) ratio | 9.5476% | 3,951 |
| Tier 1 risk-based capital ratio | 11.0962% | 5,646 |
| Total risk-based capital ratio | 12.0451% | 5,821 |
| Memoranda: | ||
| Average total assets | $232,773,800 | 2,732 |
| Average earning assets | $213,514,000 | 2,727 |
| Average equity | $21,850,000 | 2,994 |
| Average total loans | $184,082,400 | 2,458 |