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 | 4.2530% | 6,073 |
| Cost of funding earning assets | 0.6983% | 5,776 |
| Net interest margin | 3.5548% | 4,961 |
| Noninterest income to average assets | 0.6226% | 3,041 |
| Noninterest expense to average assets | 3.8430% | 1,244 |
| Loan and lease loss provision to assets | -0.1889% | 7,384 |
| Net operating income to assets | 0.3392% | 5,255 |
| Return on assets (ROA) | 0.3392% | 5,431 |
| Pretax return on assets | 0.3349% | 5,632 |
| Return on Equity (ROE) | 3.3931% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.3931% | 4,319 |
| Net charge-offs to loans | -0.7054% | 7,367 |
| Credit loss provision to net charge-offs | 47.8261% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3402% | 804 |
| Assets per employee ($millions) | 3.3187% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1768% | 347 |
| Loan loss allowance to noncurrent loans | 53.2407% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 4.4797% | 1,340 |
| Noncurrent loans to loans | 7.8450% | 572 |
| Net loans and leases to total assets | 52.9999% | 5,323 |
| Net loans and leases to deposits | 59.2551% | 5,723 |
| Net loans and leases to core deposits | 62.0760% | 5,805 |
| Total domestic deposits to total assets | 89.4436% | 1,170 |
| Equity capital to assets | 10.4292% | 3,791 |
| Core capital (leverage) ratio | 10.1721% | 3,220 |
| Tier 1 risk-based capital ratio | 16.5115% | 2,861 |
| Total risk-based capital ratio | 17.7939% | 2,805 |
| Memoranda: | ||
| Average total assets | $31,051,000 | 7,007 |
| Average earning assets | $29,406,000 | 6,951 |
| Average equity | $3,104,250 | 7,049 |
| Average total loans | $17,388,000 | 6,854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 6,020 |
| Cost of funding earning assets | 0.7392% | 5,742 |
| Net interest margin | 3.5617% | 4,873 |
| Noninterest income to average assets | 0.6933% | 2,590 |
| Noninterest expense to average assets | 3.6889% | 1,548 |
| Loan and lease loss provision to assets | 0.0763% | 5,356 |
| Net operating income to assets | 0.2608% | 5,513 |
| Return on assets (ROA) | 0.2608% | 5,638 |
| Pretax return on assets | 0.2989% | 5,671 |
| Return on Equity (ROE) | 2.6446% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.6446% | 4,610 |
| Net charge-offs to loans | -1.0409% | 7,442 |
| Credit loss provision to net charge-offs | -13.0435% | 6,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7668% | 1,189 |
| Assets per employee ($millions) | 3.4253% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4253% | 294 |
| Loan loss allowance to noncurrent loans | 54.3399% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 4.5835% | 1,364 |
| Noncurrent loans to loans | 8.1437% | 547 |
| Net loans and leases to total assets | 52.1928% | 5,546 |
| Net loans and leases to deposits | 58.3203% | 5,901 |
| Net loans and leases to core deposits | 61.6003% | 5,932 |
| Total domestic deposits to total assets | 89.4933% | 1,248 |
| Equity capital to assets | 10.1726% | 3,911 |
| Core capital (leverage) ratio | 9.7390% | 3,617 |
| Tier 1 risk-based capital ratio | 15.9732% | 2,988 |
| Total risk-based capital ratio | 17.2562% | 2,939 |
| Memoranda: | ||
| Average total assets | $31,445,330 | 7,060 |
| Average earning assets | $29,761,330 | 7,006 |
| Average equity | $3,100,670 | 7,104 |
| Average total loans | $17,677,330 | 6,906 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 5,435 |
| Cost of funding earning assets | 0.7675% | 5,768 |
| Net interest margin | 3.7051% | 4,074 |
| Noninterest income to average assets | 0.7684% | 2,167 |
| Noninterest expense to average assets | 3.6405% | 1,678 |
| Loan and lease loss provision to assets | 0.0756% | 5,052 |
| Net operating income to assets | 0.5417% | 4,307 |
| Return on assets (ROA) | 0.5417% | 4,386 |
| Pretax return on assets | 0.5795% | 4,760 |
| Return on Equity (ROE) | 5.5790% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.5790% | 2,861 |
| Net charge-offs to loans | -0.9946% | 7,485 |
| Credit loss provision to net charge-offs | -13.3333% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7507% | 1,873 |
| Assets per employee ($millions) | 3.6959% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3231% | 342 |
| Loan loss allowance to noncurrent loans | 48.1894% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 4.4434% | 1,462 |
| Noncurrent loans to loans | 8.9711% | 500 |
| Net loans and leases to total assets | 46.0421% | 6,285 |
| Net loans and leases to deposits | 50.9396% | 6,553 |
| Net loans and leases to core deposits | 53.6202% | 6,580 |
| Total domestic deposits to total assets | 90.3857% | 910 |
| Equity capital to assets | 9.3227% | 4,690 |
| Core capital (leverage) ratio | 9.3665% | 4,021 |
| Tier 1 risk-based capital ratio | 16.1888% | 2,816 |
| Total risk-based capital ratio | 17.4672% | 2,767 |
| Memoranda: | ||
| Average total assets | $31,754,000 | 7,101 |
| Average earning assets | $30,228,500 | 7,043 |
| Average equity | $3,083,000 | 7,144 |
| Average total loans | $18,098,500 | 6,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 5,050 |
| Cost of funding earning assets | 1.2299% | 4,355 |
| Net interest margin | 3.6671% | 4,502 |
| Noninterest income to average assets | 0.6058% | 3,439 |
| Noninterest expense to average assets | 3.9928% | 1,171 |
| Loan and lease loss provision to assets | 0.1958% | 5,274 |
| Net operating income to assets | -0.0803% | 5,959 |
| Return on assets (ROA) | 0.0092% | 5,946 |
| Pretax return on assets | 0.0122% | 5,874 |
| Return on Equity (ROE) | 0.0964% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.0964% | 5,539 |
| Net charge-offs to loans | 2.2166% | 877 |
| Credit loss provision to net charge-offs | 13.3612% | 6,594 |
| Earnings coverage of net charge-offs (x) | 0.0605% | 6,055 |
| Efficiency ratio | 97.8261% | 879 |
| Assets per employee ($millions) | 3.3606% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1748% | 748 |
| Loan loss allowance to noncurrent loans | 33.5076% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 6.4639% | 878 |
| Noncurrent loans to loans | 9.4750% | 465 |
| Net loans and leases to total assets | 64.6355% | 3,741 |
| Net loans and leases to deposits | 72.1365% | 4,495 |
| Net loans and leases to core deposits | 75.6248% | 4,767 |
| Total domestic deposits to total assets | 89.6016% | 1,325 |
| Equity capital to assets | 10.1339% | 3,580 |
| Core capital (leverage) ratio | 9.5707% | 3,605 |
| Tier 1 risk-based capital ratio | 13.9668% | 3,892 |
| Total risk-based capital ratio | 15.2373% | 3,845 |
| Memoranda: | ||
| Average total assets | $32,683,800 | 7,125 |
| Average earning assets | $30,978,400 | 7,053 |
| Average equity | $3,112,000 | 7,245 |
| Average total loans | $21,610,000 | 6,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 4,124 |
| Cost of funding earning assets | 1.2564% | 4,528 |
| Net interest margin | 3.8833% | 3,599 |
| Noninterest income to average assets | 0.7809% | 2,317 |
| Noninterest expense to average assets | 4.0407% | 1,001 |
| Loan and lease loss provision to assets | 0.0441% | 6,649 |
| Net operating income to assets | 0.3164% | 5,101 |
| Return on assets (ROA) | 0.3164% | 5,273 |
| Pretax return on assets | 0.3724% | 5,305 |
| Return on Equity (ROE) | 3.3719% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.3719% | 4,076 |
| Net charge-offs to loans | 1.4932% | 1,346 |
| Credit loss provision to net charge-offs | 4.4715% | 6,359 |
| Earnings coverage of net charge-offs (x) | 0.4228% | 5,600 |
| Efficiency ratio | 90.6559% | 1,235 |
| Assets per employee ($millions) | 3.5089% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0562% | 353 |
| Loan loss allowance to noncurrent loans | 49.1018% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 5.6175% | 1,091 |
| Noncurrent loans to loans | 8.2608% | 610 |
| Net loans and leases to total assets | 61.4186% | 4,645 |
| Net loans and leases to deposits | 72.4407% | 4,771 |
| Net loans and leases to core deposits | 75.9763% | 5,062 |
| Total domestic deposits to total assets | 84.7847% | 3,733 |
| Equity capital to assets | 10.0380% | 4,112 |
| Core capital (leverage) ratio | 9.6933% | 3,626 |
| Tier 1 risk-based capital ratio | 14.1088% | 3,755 |
| Total risk-based capital ratio | 15.3881% | 3,706 |
| Memoranda: | ||
| Average total assets | $33,293,500 | 7,194 |
| Average earning assets | $31,519,000 | 7,124 |
| Average equity | $3,123,750 | 7,326 |
| Average total loans | $21,965,000 | 6,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 4,565 |
| Cost of funding earning assets | 1.2914% | 4,586 |
| Net interest margin | 3.7869% | 3,949 |
| Noninterest income to average assets | 0.6496% | 3,016 |
| Noninterest expense to average assets | 3.9215% | 1,153 |
| Loan and lease loss provision to assets | 0.0472% | 6,493 |
| Net operating income to assets | 0.2373% | 5,426 |
| Return on assets (ROA) | 0.4370% | 4,748 |
| Pretax return on assets | 0.4902% | 4,936 |
| Return on Equity (ROE) | 4.7614% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.7614% | 3,034 |
| Net charge-offs to loans | 1.0910% | 1,728 |
| Credit loss provision to net charge-offs | 6.5041% | 5,975 |
| Earnings coverage of net charge-offs (x) | 0.4309% | 5,294 |
| Efficiency ratio | 92.6081% | 1,152 |
| Assets per employee ($millions) | 3.6861% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3470% | 284 |
| Loan loss allowance to noncurrent loans | 53.4355% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 5.6217% | 1,087 |
| Noncurrent loans to loans | 8.1351% | 632 |
| Net loans and leases to total assets | 62.4145% | 4,601 |
| Net loans and leases to deposits | 72.8623% | 4,858 |
| Net loans and leases to core deposits | 77.2007% | 5,065 |
| Total domestic deposits to total assets | 85.6609% | 3,281 |
| Equity capital to assets | 9.4770% | 4,737 |
| Core capital (leverage) ratio | 9.1720% | 4,338 |
| Tier 1 risk-based capital ratio | 13.3522% | 4,168 |
| Total risk-based capital ratio | 14.6376% | 4,111 |
| Memoranda: | ||
| Average total assets | $33,864,670 | 7,218 |
| Average earning assets | $32,058,000 | 7,155 |
| Average equity | $3,108,330 | 7,380 |
| Average total loans | $22,548,000 | 6,935 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 3,451 |
| Cost of funding earning assets | 1.3267% | 4,641 |
| Net interest margin | 3.9924% | 2,898 |
| Noninterest income to average assets | 0.8536% | 1,800 |
| Noninterest expense to average assets | 3.7300% | 1,457 |
| Loan and lease loss provision to assets | 0.0585% | 6,062 |
| Net operating income to assets | 0.7717% | 3,094 |
| Return on assets (ROA) | 0.7717% | 3,211 |
| Pretax return on assets | 0.8302% | 3,742 |
| Return on Equity (ROE) | 8.5423% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.5423% | 1,521 |
| Net charge-offs to loans | 1.0088% | 1,632 |
| Credit loss provision to net charge-offs | 8.6207% | 5,059 |
| Earnings coverage of net charge-offs (x) | 1.3103% | 3,962 |
| Efficiency ratio | 80.7595% | 2,444 |
| Assets per employee ($millions) | 3.4691% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6394% | 236 |
| Loan loss allowance to noncurrent loans | 61.2332% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 5.0935% | 1,250 |
| Noncurrent loans to loans | 7.5767% | 746 |
| Net loans and leases to total assets | 59.4275% | 5,212 |
| Net loans and leases to deposits | 68.8232% | 5,494 |
| Net loans and leases to core deposits | 73.3404% | 5,569 |
| Total domestic deposits to total assets | 86.3480% | 2,963 |
| Equity capital to assets | 9.0340% | 5,227 |
| Core capital (leverage) ratio | 8.9558% | 4,639 |
| Tier 1 risk-based capital ratio | 13.2569% | 4,162 |
| Total risk-based capital ratio | 14.5449% | 4,073 |
| Memoranda: | ||
| Average total assets | $34,209,500 | 7,295 |
| Average earning assets | $32,261,000 | 7,236 |
| Average equity | $3,090,500 | 7,471 |
| Average total loans | $22,998,500 | 6,993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0651% | 1,622 |
| Cost of funding earning assets | 2.0575% | 2,693 |
| Net interest margin | 4.0076% | 2,828 |
| Noninterest income to average assets | 1.1192% | 1,224 |
| Noninterest expense to average assets | 4.0378% | 1,313 |
| Loan and lease loss provision to assets | 2.7641% | 667 |
| Net operating income to assets | -1.9457% | 7,069 |
| Return on assets (ROA) | -1.9457% | 7,069 |
| Pretax return on assets | -1.9403% | 6,921 |
| Return on Equity (ROE) | -20.8515% | 7,166 |
| Retained earnings to average equity (ytd only) | -20.8515% | 7,135 |
| Net charge-offs to loans | 3.6390% | 519 |
| Credit loss provision to net charge-offs | 108.3953% | 5,106 |
| Earnings coverage of net charge-offs (x) | 0.3231% | 5,789 |
| Efficiency ratio | 83.0546% | 2,467 |
| Assets per employee ($millions) | 3.0662% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3318% | 287 |
| Loan loss allowance to noncurrent loans | 63.2335% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 5.3338% | 1,105 |
| Noncurrent loans to loans | 6.8504% | 838 |
| Net loans and leases to total assets | 69.1473% | 3,448 |
| Net loans and leases to deposits | 80.2519% | 3,946 |
| Net loans and leases to core deposits | 97.1750% | 4,329 |
| Total domestic deposits to total assets | 86.1628% | 2,922 |
| Equity capital to assets | 9.0340% | 5,084 |
| Core capital (leverage) ratio | 8.8732% | 4,636 |
| Tier 1 risk-based capital ratio | 11.8556% | 5,069 |
| Total risk-based capital ratio | 13.1425% | 4,996 |
| Memoranda: | ||
| Average total assets | $36,901,600 | 7,214 |
| Average earning assets | $34,459,200 | 7,164 |
| Average equity | $3,443,400 | 7,458 |
| Average total loans | $25,859,000 | 6,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2104% | 1,349 |
| Cost of funding earning assets | 2.1950% | 2,433 |
| Net interest margin | 4.0154% | 2,744 |
| Noninterest income to average assets | 1.3087% | 905 |
| Noninterest expense to average assets | 3.8837% | 1,452 |
| Loan and lease loss provision to assets | 3.1480% | 450 |
| Net operating income to assets | -2.0126% | 7,323 |
| Return on assets (ROA) | -2.0126% | 7,323 |
| Pretax return on assets | -1.9702% | 7,169 |
| Return on Equity (ROE) | -21.4157% | 7,425 |
| Retained earnings to average equity (ytd only) | -21.4157% | 7,390 |
| Net charge-offs to loans | 3.3193% | 476 |
| Credit loss provision to net charge-offs | 136.2940% | 3,640 |
| Earnings coverage of net charge-offs (x) | 0.5100% | 5,518 |
| Efficiency ratio | 76.7296% | 3,373 |
| Assets per employee ($millions) | 3.1155% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7891% | 160 |
| Loan loss allowance to noncurrent loans | 67.1460% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 6.4311% | 789 |
| Noncurrent loans to loans | 7.1324% | 753 |
| Net loans and leases to total assets | 70.4240% | 3,409 |
| Net loans and leases to deposits | 82.2934% | 3,959 |
| Net loans and leases to core deposits | 101.1907% | 4,245 |
| Total domestic deposits to total assets | 85.5767% | 2,929 |
| Equity capital to assets | 9.4045% | 4,876 |
| Core capital (leverage) ratio | 8.8483% | 4,895 |
| Tier 1 risk-based capital ratio | 12.0245% | 4,955 |
| Total risk-based capital ratio | 13.3139% | 4,857 |
| Memoranda: | ||
| Average total assets | $37,695,000 | 7,245 |
| Average earning assets | $35,230,500 | 7,196 |
| Average equity | $3,542,500 | 7,496 |
| Average total loans | $26,229,250 | 6,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2051% | 1,436 |
| Cost of funding earning assets | 2.3090% | 2,325 |
| Net interest margin | 3.8961% | 3,134 |
| Noninterest income to average assets | 0.4892% | 4,539 |
| Noninterest expense to average assets | 3.7645% | 1,714 |
| Loan and lease loss provision to assets | 2.3689% | 670 |
| Net operating income to assets | -2.0445% | 7,441 |
| Return on assets (ROA) | -2.0445% | 7,433 |
| Pretax return on assets | -2.0033% | 7,287 |
| Return on Equity (ROE) | -21.7594% | 7,553 |
| Retained earnings to average equity (ytd only) | -21.7594% | 7,507 |
| Net charge-offs to loans | 3.4687% | 454 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.1543% | 5,517 |
| Efficiency ratio | 91.1471% | 1,718 |
| Assets per employee ($millions) | 3.5204% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6924% | 324 |
| Loan loss allowance to noncurrent loans | 50.8325% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 5.9860% | 809 |
| Noncurrent loans to loans | 7.2638% | 659 |
| Net loans and leases to total assets | 65.8067% | 4,602 |
| Net loans and leases to deposits | 80.0723% | 4,535 |
| Net loans and leases to core deposits | 103.5221% | 4,120 |
| Total domestic deposits to total assets | 82.1842% | 4,613 |
| Equity capital to assets | 8.7413% | 5,699 |
| Core capital (leverage) ratio | 8.6541% | 5,174 |
| Tier 1 risk-based capital ratio | 11.6179% | 5,270 |
| Total risk-based capital ratio | 12.8934% | 5,179 |
| Memoranda: | ||
| Average total assets | $38,836,330 | 7,265 |
| Average earning assets | $36,292,670 | 7,209 |
| Average equity | $3,649,000 | 7,523 |
| Average total loans | $26,522,670 | 6,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2863% | 1,338 |
| Cost of funding earning assets | 2.4000% | 2,296 |
| Net interest margin | 3.8863% | 3,100 |
| Noninterest income to average assets | 0.6171% | 3,427 |
| Noninterest expense to average assets | 3.7128% | 1,629 |
| Loan and lease loss provision to assets | 0.3085% | 3,490 |
| Net operating income to assets | 0.1851% | 5,701 |
| Return on assets (ROA) | 0.1851% | 5,877 |
| Pretax return on assets | 0.2263% | 5,880 |
| Return on Equity (ROE) | 1.9043% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.9043% | 4,794 |
| Net charge-offs to loans | 0.1958% | 3,464 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,006 |
| Efficiency ratio | 87.4092% | 1,945 |
| Assets per employee ($millions) | 3.2845% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7949% | 262 |
| Loan loss allowance to noncurrent loans | 78.2677% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 4.2345% | 1,180 |
| Noncurrent loans to loans | 4.8486% | 1,135 |
| Net loans and leases to total assets | 63.9341% | 5,001 |
| Net loans and leases to deposits | 74.2086% | 5,456 |
| Net loans and leases to core deposits | 98.9477% | 4,653 |
| Total domestic deposits to total assets | 86.1547% | 2,632 |
| Equity capital to assets | 9.6235% | 4,495 |
| Core capital (leverage) ratio | 9.6719% | 3,789 |
| Tier 1 risk-based capital ratio | 13.0876% | 4,132 |
| Total risk-based capital ratio | 14.3661% | 4,016 |
| Memoranda: | ||
| Average total assets | $38,892,500 | 7,301 |
| Average earning assets | $36,333,000 | 7,257 |
| Average equity | $3,781,000 | 7,525 |
| Average total loans | $26,554,000 | 6,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2399% | 676 |
| Cost of funding earning assets | 3.0813% | 1,567 |
| Net interest margin | 4.1585% | 2,467 |
| Noninterest income to average assets | 0.5117% | 4,530 |
| Noninterest expense to average assets | 3.1717% | 3,442 |
| Loan and lease loss provision to assets | 0.5743% | 2,531 |
| Net operating income to assets | 0.6396% | 4,145 |
| Return on assets (ROA) | 0.6396% | 3,995 |
| Pretax return on assets | 0.6657% | 4,499 |
| Return on Equity (ROE) | 6.5999% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.5999% | 1,301 |
| Net charge-offs to loans | 1.2844% | 930 |
| Credit loss provision to net charge-offs | 58.6667% | 6,246 |
| Earnings coverage of net charge-offs (x) | 1.2667% | 5,494 |
| Efficiency ratio | 71.8935% | 3,959 |
| Assets per employee ($millions) | 3.8371% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6262% | 252 |
| Loan loss allowance to noncurrent loans | 64.0420% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 5.1419% | 663 |
| Noncurrent loans to loans | 5.6623% | 682 |
| Net loans and leases to total assets | 67.6005% | 4,534 |
| Net loans and leases to deposits | 78.6698% | 5,249 |
| Net loans and leases to core deposits | 98.7475% | 4,955 |
| Total domestic deposits to total assets | 85.9295% | 2,433 |
| Equity capital to assets | 9.8225% | 4,259 |
| Core capital (leverage) ratio | 9.9599% | 3,481 |
| Tier 1 risk-based capital ratio | 12.6318% | 4,341 |
| Total risk-based capital ratio | 13.9055% | 4,237 |
| Memoranda: | ||
| Average total assets | $38,307,400 | 7,292 |
| Average earning assets | $35,926,000 | 7,244 |
| Average equity | $3,712,200 | 7,602 |
| Average total loans | $29,195,400 | 6,760 |