Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6340% | 6,650 |
Cost of funding earning assets | 0.1719% | 6,540 |
Net interest margin | 2.4621% | 6,463 |
Noninterest income to average assets | 0.5262% | 3,619 |
Noninterest expense to average assets | 2.6835% | 4,081 |
Loan and lease loss provision to assets | -0.1846% | 6,709 |
Net operating income to assets | 0.5632% | 4,511 |
Return on assets (ROA) | 0.5632% | 4,666 |
Pretax return on assets | 0.2308% | 5,992 |
Return on Equity (ROE) | 2.9920% | 5,607 |
Retained earnings to average equity (ytd only) | -0.2780% | 5,997 |
Net charge-offs to loans | 1.5151% | 305 |
Credit loss provision to net charge-offs | -42.2535% | 5,693 |
Earnings coverage of net charge-offs (x) | 0.1056% | 4,826 |
Efficiency ratio | 98.3089% | 519 |
Assets per employee ($millions) | 3.4749% | 4,893 |
Cash dividends to net income (ytd only)* | 109.2914% | 315 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9183% | 6,013 |
Loan loss allowance to noncurrent loans | 1,816.6667% | 287 |
Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,458 |
Noncurrent loans to loans | 0.0505% | 6,194 |
Net loans and leases to total assets | 28.2045% | 6,592 |
Net loans and leases to deposits | 35.1033% | 6,536 |
Net loans and leases to core deposits | 35.9104% | 6,562 |
Total domestic deposits to total assets | 80.3473% | 5,410 |
Equity capital to assets | 19.3506% | 235 |
Core capital (leverage) ratio | 19.2589% | 227 |
Tier 1 risk-based capital ratio | 52.1983% | 121 |
Total risk-based capital ratio | 52.9190% | 123 |
Memoranda: | ||
Average total assets | $43,325,500 | 6,262 |
Average earning assets | $38,774,000 | 6,274 |
Average equity | $8,154,750 | 5,347 |
Average total loans | $12,496,500 | 6,567 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6715% | 6,673 |
Cost of funding earning assets | 0.1720% | 6,616 |
Net interest margin | 2.4995% | 6,451 |
Noninterest income to average assets | 0.5289% | 3,640 |
Noninterest expense to average assets | 2.7173% | 3,972 |
Loan and lease loss provision to assets | -0.2735% | 6,822 |
Net operating income to assets | 0.3374% | 5,457 |
Return on assets (ROA) | 0.3374% | 5,623 |
Pretax return on assets | 0.3374% | 5,782 |
Return on Equity (ROE) | 1.8086% | 6,012 |
Retained earnings to average equity (ytd only) | -3.0794% | 6,318 |
Net charge-offs to loans | 2.2195% | 180 |
Credit loss provision to net charge-offs | -42.5532% | 5,528 |
Earnings coverage of net charge-offs (x) | 0.0993% | 4,512 |
Efficiency ratio | 97.7049% | 582 |
Assets per employee ($millions) | 3.6028% | 4,618 |
Cash dividends to net income (ytd only)* | 270.2703% | 51 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8802% | 6,189 |
Loan loss allowance to noncurrent loans | 1,571.4286% | 325 |
Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,498 |
Noncurrent loans to loans | 0.0560% | 6,222 |
Net loans and leases to total assets | 28.6511% | 6,617 |
Net loans and leases to deposits | 35.4674% | 6,571 |
Net loans and leases to core deposits | 36.2479% | 6,597 |
Total domestic deposits to total assets | 80.7813% | 5,403 |
Equity capital to assets | 18.4299% | 291 |
Core capital (leverage) ratio | 18.2303% | 275 |
Tier 1 risk-based capital ratio | 48.7631% | 136 |
Total risk-based capital ratio | 49.4520% | 138 |
Memoranda: | ||
Average total assets | $43,867,670 | 6,288 |
Average earning assets | $39,527,670 | 6,296 |
Average equity | $8,183,330 | 5,382 |
Average total loans | $12,705,330 | 6,608 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7765% | 6,690 |
Cost of funding earning assets | 0.1798% | 6,675 |
Net interest margin | 2.5967% | 6,377 |
Noninterest income to average assets | 0.5070% | 3,726 |
Noninterest expense to average assets | 2.8155% | 3,641 |
Loan and lease loss provision to assets | -0.5432% | 6,962 |
Net operating income to assets | 0.5884% | 4,278 |
Return on assets (ROA) | 0.5884% | 4,425 |
Pretax return on assets | 0.5884% | 4,984 |
Return on Equity (ROE) | 3.1359% | 5,525 |
Retained earnings to average equity (ytd only) | 3.1359% | 4,389 |
Net charge-offs to loans | -0.0312% | 5,910 |
Credit loss provision to net charge-offs | 6,000.0000% | 40 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.4177% | 618 |
Assets per employee ($millions) | 3.6771% | 4,611 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0041% | 2,033 |
Loan loss allowance to noncurrent loans | 164.7059% | 2,211 |
Noncurrent assets plus other real estate owned to assets | 0.3467% | 5,559 |
Noncurrent loans to loans | 1.2168% | 3,739 |
Net loans and leases to total assets | 27.9252% | 6,665 |
Net loans and leases to deposits | 34.6017% | 6,614 |
Net loans and leases to core deposits | 35.6035% | 6,632 |
Total domestic deposits to total assets | 80.7048% | 5,570 |
Equity capital to assets | 18.8147% | 284 |
Core capital (leverage) ratio | 18.3129% | 268 |
Tier 1 risk-based capital ratio | 49.6082% | 138 |
Total risk-based capital ratio | 50.8645% | 137 |
Memoranda: | ||
Average total assets | $44,184,500 | 6,341 |
Average earning assets | $40,051,000 | 6,334 |
Average equity | $8,291,000 | 5,415 |
Average total loans | $12,809,500 | 6,668 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0851% | 6,733 |
Cost of funding earning assets | 0.2259% | 6,766 |
Net interest margin | 2.8593% | 6,297 |
Noninterest income to average assets | 0.5770% | 3,403 |
Noninterest expense to average assets | 3.0590% | 3,052 |
Loan and lease loss provision to assets | 0.2781% | 2,430 |
Net operating income to assets | -0.0695% | 6,254 |
Return on assets (ROA) | -0.0695% | 6,359 |
Pretax return on assets | -0.1784% | 6,411 |
Return on Equity (ROE) | -0.3594% | 6,339 |
Retained earnings to average equity (ytd only) | -0.3594% | 5,916 |
Net charge-offs to loans | -0.0581% | 6,731 |
Credit loss provision to net charge-offs | -1,714.2857% | 6,627 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.8452% | 672 |
Assets per employee ($millions) | 3.1603% | 5,712 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3841% | 1,258 |
Loan loss allowance to noncurrent loans | 190.7975% | 1,923 |
Noncurrent assets plus other real estate owned to assets | 0.3684% | 5,593 |
Noncurrent loans to loans | 1.2495% | 3,751 |
Net loans and leases to total assets | 28.7813% | 6,743 |
Net loans and leases to deposits | 35.6345% | 6,691 |
Net loans and leases to core deposits | 36.3974% | 6,720 |
Total domestic deposits to total assets | 80.7680% | 5,464 |
Equity capital to assets | 18.7144% | 280 |
Core capital (leverage) ratio | 18.8188% | 240 |
Tier 1 risk-based capital ratio | 43.5995% | 185 |
Total risk-based capital ratio | 44.9055% | 181 |
Memoranda: | ||
Average total assets | $43,151,200 | 6,393 |
Average earning assets | $38,961,000 | 6,395 |
Average equity | $8,348,400 | 5,409 |
Average total loans | $12,053,000 | 6,778 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2121% | 6,791 |
Cost of funding earning assets | 0.2386% | 6,851 |
Net interest margin | 2.9735% | 6,225 |
Noninterest income to average assets | 0.5939% | 3,319 |
Noninterest expense to average assets | 3.1095% | 2,859 |
Loan and lease loss provision to assets | 0.3732% | 1,730 |
Net operating income to assets | -0.0684% | 6,365 |
Return on assets (ROA) | -0.0684% | 6,478 |
Pretax return on assets | -0.2146% | 6,549 |
Return on Equity (ROE) | -0.3506% | 6,445 |
Retained earnings to average equity (ytd only) | -0.3506% | 6,149 |
Net charge-offs to loans | -0.0678% | 6,775 |
Credit loss provision to net charge-offs | -2,000.0000% | 6,604 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.1475% | 708 |
Assets per employee ($millions) | 3.0087% | 6,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8093% | 878 |
Loan loss allowance to noncurrent loans | 189.5706% | 1,855 |
Noncurrent assets plus other real estate owned to assets | 0.3870% | 5,727 |
Noncurrent loans to loans | 1.4820% | 3,570 |
Net loans and leases to total assets | 25.3787% | 6,933 |
Net loans and leases to deposits | 31.9706% | 6,913 |
Net loans and leases to core deposits | 32.9542% | 6,917 |
Total domestic deposits to total assets | 79.3813% | 5,787 |
Equity capital to assets | 19.8732% | 243 |
Core capital (leverage) ratio | 18.8897% | 253 |
Tier 1 risk-based capital ratio | 55.0069% | 117 |
Total risk-based capital ratio | 56.3333% | 114 |
Memoranda: | ||
Average total assets | $42,878,000 | 6,473 |
Average earning assets | $38,561,750 | 6,486 |
Average equity | $8,365,500 | 5,453 |
Average total loans | $11,805,000 | 6,880 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3161% | 6,804 |
Cost of funding earning assets | 0.2475% | 6,921 |
Net interest margin | 3.0685% | 6,078 |
Noninterest income to average assets | 0.6214% | 3,122 |
Noninterest expense to average assets | 3.0234% | 3,172 |
Loan and lease loss provision to assets | 0.5565% | 1,102 |
Net operating income to assets | -0.1994% | 6,543 |
Return on assets (ROA) | -0.1994% | 6,615 |
Pretax return on assets | -0.1994% | 6,588 |
Return on Equity (ROE) | -1.0283% | 6,547 |
Retained earnings to average equity (ytd only) | -1.0283% | 6,216 |
Net charge-offs to loans | -0.0663% | 6,742 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.4376% | 1,124 |
Assets per employee ($millions) | 2.5971% | 6,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6316% | 1,118 |
Loan loss allowance to noncurrent loans | 30,700.0000% | 24 |
Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,863 |
Noncurrent loans to loans | 0.0086% | 6,693 |
Net loans and leases to total assets | 25.7276% | 6,989 |
Net loans and leases to deposits | 31.9450% | 6,963 |
Net loans and leases to core deposits | 32.6314% | 6,980 |
Total domestic deposits to total assets | 80.5372% | 5,603 |
Equity capital to assets | 18.8172% | 288 |
Core capital (leverage) ratio | 18.6079% | 264 |
Tier 1 risk-based capital ratio | 52.2176% | 125 |
Total risk-based capital ratio | 53.4933% | 124 |
Memoranda: | ||
Average total assets | $43,130,000 | 6,507 |
Average earning assets | $38,781,000 | 6,521 |
Average equity | $8,363,670 | 5,456 |
Average total loans | $12,073,670 | 6,922 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5069% | 6,690 |
Cost of funding earning assets | 0.2730% | 6,928 |
Net interest margin | 3.2339% | 5,685 |
Noninterest income to average assets | 0.5444% | 3,599 |
Noninterest expense to average assets | 3.1253% | 2,831 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.3097% | 5,632 |
Return on assets (ROA) | 0.3097% | 5,796 |
Pretax return on assets | 0.3097% | 5,958 |
Return on Equity (ROE) | 1.5730% | 6,202 |
Retained earnings to average equity (ytd only) | 1.5730% | 5,451 |
Net charge-offs to loans | -0.1303% | 6,875 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.9836% | 1,018 |
Assets per employee ($millions) | 2.7005% | 6,639 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5786% | 3,811 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 26.9834% | 7,002 |
Net loans and leases to deposits | 33.7404% | 6,958 |
Net loans and leases to core deposits | 34.4839% | 6,981 |
Total domestic deposits to total assets | 79.9736% | 5,857 |
Equity capital to assets | 19.4061% | 249 |
Core capital (leverage) ratio | 19.0027% | 242 |
Tier 1 risk-based capital ratio | 50.6413% | 125 |
Total risk-based capital ratio | 51.8222% | 126 |
Memoranda: | ||
Average total assets | $42,619,500 | 6,581 |
Average earning assets | $38,096,000 | 6,600 |
Average equity | $8,391,500 | 5,471 |
Average total loans | $12,277,500 | 6,966 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3954% | 7,055 |
Cost of funding earning assets | 0.3360% | 7,041 |
Net interest margin | 3.0594% | 6,431 |
Noninterest income to average assets | 0.5444% | 3,550 |
Noninterest expense to average assets | 2.9899% | 3,628 |
Loan and lease loss provision to assets | 0.0202% | 6,315 |
Net operating income to assets | 0.3217% | 5,184 |
Return on assets (ROA) | 0.3217% | 5,333 |
Pretax return on assets | 0.2587% | 5,656 |
Return on Equity (ROE) | 1.6988% | 5,774 |
Retained earnings to average equity (ytd only) | 0.6296% | 5,553 |
Net charge-offs to loans | -0.1401% | 7,177 |
Credit loss provision to net charge-offs | -47.3684% | 6,661 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.4659% | 1,080 |
Assets per employee ($millions) | 2.4724% | 6,858 |
Cash dividends to net income (ytd only)* | 62.9371% | 1,429 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4399% | 4,285 |
Loan loss allowance to noncurrent loans | 18,300.0000% | 36 |
Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,012 |
Noncurrent loans to loans | 0.0079% | 6,841 |
Net loans and leases to total assets | 29.8018% | 7,016 |
Net loans and leases to deposits | 37.6043% | 6,959 |
Net loans and leases to core deposits | 38.4622% | 6,990 |
Total domestic deposits to total assets | 79.2510% | 5,930 |
Equity capital to assets | 19.9805% | 235 |
Core capital (leverage) ratio | 18.7484% | 260 |
Tier 1 risk-based capital ratio | 49.4921% | 135 |
Total risk-based capital ratio | 50.6325% | 136 |
Memoranda: | ||
Average total assets | $44,449,200 | 6,518 |
Average earning assets | $39,582,800 | 6,546 |
Average equity | $8,417,600 | 5,432 |
Average total loans | $13,557,600 | 6,965 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4362% | 7,117 |
Cost of funding earning assets | 0.3456% | 7,134 |
Net interest margin | 3.0906% | 6,403 |
Noninterest income to average assets | 0.5445% | 3,555 |
Noninterest expense to average assets | 2.9150% | 3,864 |
Loan and lease loss provision to assets | 0.0266% | 6,111 |
Net operating income to assets | 0.4380% | 4,825 |
Return on assets (ROA) | 0.4380% | 5,018 |
Pretax return on assets | 0.3551% | 5,588 |
Return on Equity (ROE) | 2.3429% | 5,665 |
Retained earnings to average equity (ytd only) | 1.5513% | 5,361 |
Net charge-offs to loans | -0.2130% | 7,270 |
Credit loss provision to net charge-offs | -40.9091% | 6,460 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4201% | 1,303 |
Assets per employee ($millions) | 2.7350% | 6,601 |
Cash dividends to net income (ytd only)* | 33.7860% | 2,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4829% | 4,191 |
Loan loss allowance to noncurrent loans | 2,325.0000% | 187 |
Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,018 |
Noncurrent loans to loans | 0.0638% | 6,770 |
Net loans and leases to total assets | 28.2381% | 7,139 |
Net loans and leases to deposits | 35.4079% | 7,088 |
Net loans and leases to core deposits | 36.1771% | 7,115 |
Total domestic deposits to total assets | 79.7509% | 5,811 |
Equity capital to assets | 19.4333% | 286 |
Core capital (leverage) ratio | 18.4901% | 287 |
Tier 1 risk-based capital ratio | 50.3340% | 148 |
Total risk-based capital ratio | 51.5062% | 148 |
Memoranda: | ||
Average total assets | $45,053,750 | 6,558 |
Average earning assets | $40,120,750 | 6,580 |
Average equity | $8,422,500 | 5,460 |
Average total loans | $13,769,750 | 7,030 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4746% | 7,172 |
Cost of funding earning assets | 0.3652% | 7,201 |
Net interest margin | 3.1094% | 6,390 |
Noninterest income to average assets | 0.5540% | 3,445 |
Noninterest expense to average assets | 2.8977% | 4,032 |
Loan and lease loss provision to assets | 0.0396% | 5,816 |
Net operating income to assets | 0.3869% | 5,015 |
Return on assets (ROA) | 0.3869% | 5,150 |
Pretax return on assets | 0.3869% | 5,434 |
Return on Equity (ROE) | 2.0964% | 5,756 |
Retained earnings to average equity (ytd only) | 0.9053% | 5,505 |
Net charge-offs to loans | -0.0564% | 7,048 |
Credit loss provision to net charge-offs | -225.0000% | 6,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.1693% | 1,494 |
Assets per employee ($millions) | 2.8114% | 6,456 |
Cash dividends to net income (ytd only)* | 56.8182% | 1,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2421% | 5,355 |
Loan loss allowance to noncurrent loans | 5,600.0000% | 90 |
Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,116 |
Noncurrent loans to loans | 0.0222% | 6,940 |
Net loans and leases to total assets | 29.6963% | 7,189 |
Net loans and leases to deposits | 36.9199% | 7,155 |
Net loans and leases to core deposits | 37.9586% | 7,171 |
Total domestic deposits to total assets | 80.4344% | 5,697 |
Equity capital to assets | 18.7453% | 332 |
Core capital (leverage) ratio | 17.5477% | 365 |
Tier 1 risk-based capital ratio | 44.2775% | 186 |
Total risk-based capital ratio | 45.2159% | 186 |
Memoranda: | ||
Average total assets | $45,485,000 | 6,614 |
Average earning assets | $40,522,330 | 6,620 |
Average equity | $8,395,330 | 5,493 |
Average total loans | $14,178,670 | 7,079 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4726% | 7,221 |
Cost of funding earning assets | 0.3826% | 7,258 |
Net interest margin | 3.0901% | 6,373 |
Noninterest income to average assets | 0.4810% | 4,042 |
Noninterest expense to average assets | 2.9386% | 3,901 |
Loan and lease loss provision to assets | 0.0350% | 5,539 |
Net operating income to assets | 0.2624% | 5,573 |
Return on assets (ROA) | 0.2624% | 5,634 |
Pretax return on assets | 0.2624% | 5,768 |
Return on Equity (ROE) | 1.4325% | 6,006 |
Retained earnings to average equity (ytd only) | 1.4325% | 5,246 |
Net charge-offs to loans | -0.0827% | 7,029 |
Credit loss provision to net charge-offs | -133.3333% | 5,755 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.8108% | 1,256 |
Assets per employee ($millions) | 2.6793% | 6,722 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1477% | 5,859 |
Loan loss allowance to noncurrent loans | 2,700.0000% | 171 |
Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,159 |
Noncurrent loans to loans | 0.0425% | 6,942 |
Net loans and leases to total assets | 30.6336% | 7,212 |
Net loans and leases to deposits | 37.8602% | 7,169 |
Net loans and leases to core deposits | 38.6328% | 7,203 |
Total domestic deposits to total assets | 80.9124% | 5,689 |
Equity capital to assets | 18.4421% | 337 |
Core capital (leverage) ratio | 17.2433% | 381 |
Tier 1 risk-based capital ratio | 43.6983% | 193 |
Total risk-based capital ratio | 44.5922% | 191 |
Memoranda: | ||
Average total assets | $45,736,500 | 6,648 |
Average earning assets | $40,776,000 | 6,653 |
Average equity | $8,377,000 | 5,496 |
Average total loans | $14,505,000 | 7,116 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4743% | 7,398 |
Cost of funding earning assets | 0.5148% | 7,280 |
Net interest margin | 2.9595% | 6,808 |
Noninterest income to average assets | 0.5923% | 3,528 |
Noninterest expense to average assets | 2.9001% | 4,222 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.3532% | 4,729 |
Return on assets (ROA) | 0.3532% | 4,894 |
Pretax return on assets | 0.3532% | 5,072 |
Return on Equity (ROE) | 1.9085% | 5,417 |
Retained earnings to average equity (ytd only) | 0.7231% | 5,199 |
Net charge-offs to loans | 0.0888% | 5,955 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 14.6364% | 1,325 |
Efficiency ratio | 89.1436% | 1,387 |
Assets per employee ($millions) | 2.8703% | 6,400 |
Cash dividends to net income (ytd only)* | 62.1118% | 1,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0339% | 6,223 |
Loan loss allowance to noncurrent loans | 2,566.6667% | 180 |
Noncurrent assets plus other real estate owned to assets | 0.1350% | 6,903 |
Noncurrent loans to loans | 0.0403% | 7,029 |
Net loans and leases to total assets | 32.0980% | 7,286 |
Net loans and leases to deposits | 39.6285% | 7,264 |
Net loans and leases to core deposits | 40.7379% | 7,288 |
Total domestic deposits to total assets | 80.9973% | 5,524 |
Equity capital to assets | 18.1905% | 362 |
Core capital (leverage) ratio | 17.1113% | 391 |
Tier 1 risk-based capital ratio | 41.7032% | 219 |
Total risk-based capital ratio | 42.5173% | 224 |
Memoranda: | ||
Average total assets | $45,585,400 | 6,680 |
Average earning assets | $40,986,600 | 6,675 |
Average equity | $8,435,800 | 5,570 |
Average total loans | $12,388,800 | 7,280 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5110% | 7,529 |
Cost of funding earning assets | 0.5462% | 7,384 |
Net interest margin | 2.9649% | 6,905 |
Noninterest income to average assets | 0.6124% | 3,367 |
Noninterest expense to average assets | 2.7955% | 4,507 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.4894% | 4,364 |
Return on assets (ROA) | 0.4894% | 4,563 |
Pretax return on assets | 0.4894% | 4,961 |
Return on Equity (ROE) | 2.6331% | 5,373 |
Retained earnings to average equity (ytd only) | 2.6331% | 4,571 |
Net charge-offs to loans | 0.1133% | 5,403 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 16.7037% | 1,370 |
Efficiency ratio | 85.1026% | 1,720 |
Assets per employee ($millions) | 2.8481% | 6,486 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2035% | 5,474 |
Loan loss allowance to noncurrent loans | 2,214.2857% | 175 |
Noncurrent assets plus other real estate owned to assets | 0.1382% | 7,006 |
Noncurrent loans to loans | 0.0544% | 7,109 |
Net loans and leases to total assets | 27.9219% | 7,513 |
Net loans and leases to deposits | 34.7451% | 7,498 |
Net loans and leases to core deposits | 35.4538% | 7,510 |
Total domestic deposits to total assets | 80.3621% | 5,592 |
Equity capital to assets | 18.8808% | 355 |
Core capital (leverage) ratio | 17.8917% | 360 |
Tier 1 risk-based capital ratio | 47.9257% | 160 |
Total risk-based capital ratio | 48.8549% | 160 |
Memoranda: | ||
Average total assets | $45,500,500 | 6,760 |
Average earning assets | $41,012,250 | 6,758 |
Average equity | $8,456,250 | 5,638 |
Average total loans | $11,762,250 | 7,415 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4952% | 7,610 |
Cost of funding earning assets | 0.5874% | 7,430 |
Net interest margin | 2.9078% | 6,997 |
Noninterest income to average assets | 0.6421% | 3,053 |
Noninterest expense to average assets | 2.8058% | 4,456 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.4706% | 4,462 |
Return on assets (ROA) | 0.4706% | 4,621 |
Pretax return on assets | 0.4706% | 5,002 |
Return on Equity (ROE) | 2.5455% | 5,442 |
Retained earnings to average equity (ytd only) | 2.5455% | 4,533 |
Net charge-offs to loans | 0.2107% | 4,349 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 8.9167% | 2,079 |
Efficiency ratio | 85.6376% | 1,760 |
Assets per employee ($millions) | 2.8472% | 6,461 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1510% | 5,687 |
Loan loss allowance to noncurrent loans | 1,176.9231% | 297 |
Noncurrent assets plus other real estate owned to assets | 0.1515% | 7,012 |
Noncurrent loans to loans | 0.0978% | 7,070 |
Net loans and leases to total assets | 28.8443% | 7,562 |
Net loans and leases to deposits | 35.7289% | 7,537 |
Net loans and leases to core deposits | 36.7101% | 7,553 |
Total domestic deposits to total assets | 80.7310% | 5,499 |
Equity capital to assets | 18.6017% | 372 |
Core capital (leverage) ratio | 17.6578% | 382 |
Tier 1 risk-based capital ratio | 46.5911% | 174 |
Total risk-based capital ratio | 47.4896% | 174 |
Memoranda: | ||
Average total assets | $45,477,330 | 6,808 |
Average earning assets | $41,199,330 | 6,806 |
Average equity | $8,407,000 | 5,658 |
Average total loans | $11,390,000 | 7,484 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4422% | 7,722 |
Cost of funding earning assets | 0.6515% | 7,435 |
Net interest margin | 2.7907% | 7,191 |
Noninterest income to average assets | 0.5634% | 3,536 |
Noninterest expense to average assets | 2.8698% | 4,188 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.2201% | 5,617 |
Return on assets (ROA) | 0.2201% | 5,733 |
Pretax return on assets | 0.2201% | 5,820 |
Return on Equity (ROE) | 1.1942% | 6,065 |
Retained earnings to average equity (ytd only) | 1.1942% | 5,340 |
Net charge-offs to loans | 0.3066% | 3,187 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 3.1250% | 3,011 |
Efficiency ratio | 92.8775% | 1,213 |
Assets per employee ($millions) | 2.6964% | 6,870 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5806% | 3,526 |
Loan loss allowance to noncurrent loans | 923.5294% | 363 |
Noncurrent assets plus other real estate owned to assets | 0.2422% | 6,855 |
Noncurrent loans to loans | 0.1711% | 6,992 |
Net loans and leases to total assets | 21.3273% | 7,770 |
Net loans and leases to deposits | 26.3305% | 7,775 |
Net loans and leases to core deposits | 27.0436% | 7,778 |
Total domestic deposits to total assets | 80.9983% | 5,462 |
Equity capital to assets | 18.3232% | 392 |
Core capital (leverage) ratio | 17.4334% | 412 |
Tier 1 risk-based capital ratio | 53.3641% | 134 |
Total risk-based capital ratio | 54.4312% | 135 |
Memoranda: | ||
Average total assets | $45,438,500 | 6,895 |
Average earning assets | $41,136,000 | 6,895 |
Average equity | $8,373,500 | 5,721 |
Average total loans | $10,438,500 | 7,631 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8836% | 7,736 |
Cost of funding earning assets | 0.9478% | 7,312 |
Net interest margin | 2.9357% | 6,791 |
Noninterest income to average assets | 0.6192% | 3,493 |
Noninterest expense to average assets | 2.7949% | 4,997 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 0.4536% | 3,913 |
Return on assets (ROA) | 0.4536% | 4,039 |
Pretax return on assets | 0.4945% | 4,201 |
Return on Equity (ROE) | 2.4363% | 4,737 |
Retained earnings to average equity (ytd only) | -6.2234% | 6,171 |
Net charge-offs to loans | 0.2955% | 4,783 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 6.5714% | 2,335 |
Efficiency ratio | 84.9673% | 2,233 |
Assets per employee ($millions) | 2.6494% | 6,952 |
Cash dividends to net income (ytd only)* | 355.4502% | 80 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5077% | 3,681 |
Loan loss allowance to noncurrent loans | 112.2449% | 2,503 |
Noncurrent assets plus other real estate owned to assets | 0.3264% | 6,624 |
Noncurrent loans to loans | 1.3432% | 4,681 |
Net loans and leases to total assets | 23.9326% | 7,808 |
Net loans and leases to deposits | 30.1629% | 7,809 |
Net loans and leases to core deposits | 38.0561% | 7,791 |
Total domestic deposits to total assets | 79.3446% | 5,891 |
Equity capital to assets | 18.5350% | 402 |
Core capital (leverage) ratio | 16.2349% | 581 |
Tier 1 risk-based capital ratio | 50.6176% | 159 |
Total risk-based capital ratio | 51.6847% | 159 |
Memoranda: | ||
Average total assets | $46,512,800 | 6,847 |
Average earning assets | $42,306,600 | 6,847 |
Average equity | $8,660,800 | 5,714 |
Average total loans | $11,845,200 | 7,611 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9603% | 7,816 |
Cost of funding earning assets | 0.9901% | 7,412 |
Net interest margin | 2.9703% | 6,683 |
Noninterest income to average assets | 0.5944% | 3,756 |
Noninterest expense to average assets | 2.6080% | 5,691 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.5773% | 3,694 |
Return on assets (ROA) | 0.5773% | 3,760 |
Pretax return on assets | 0.6911% | 3,891 |
Return on Equity (ROE) | 3.0972% | 4,748 |
Retained earnings to average equity (ytd only) | 1.5715% | 4,434 |
Net charge-offs to loans | 0.0884% | 5,801 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 30.3646% | 931 |
Efficiency ratio | 79.0517% | 2,987 |
Assets per employee ($millions) | 2.9486% | 6,282 |
Cash dividends to net income (ytd only)* | 49.2611% | 2,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6904% | 2,667 |
Loan loss allowance to noncurrent loans | 112.3529% | 2,512 |
Noncurrent assets plus other real estate owned to assets | 0.3391% | 6,632 |
Noncurrent loans to loans | 1.5046% | 4,401 |
Net loans and leases to total assets | 22.1602% | 7,930 |
Net loans and leases to deposits | 27.2429% | 7,934 |
Net loans and leases to core deposits | 33.2924% | 7,927 |
Total domestic deposits to total assets | 81.3430% | 4,942 |
Equity capital to assets | 17.9488% | 518 |
Core capital (leverage) ratio | 17.5537% | 495 |
Tier 1 risk-based capital ratio | 48.0349% | 182 |
Total risk-based capital ratio | 49.1181% | 181 |
Memoranda: | ||
Average total assets | $46,881,250 | 6,879 |
Average earning assets | $42,688,750 | 6,883 |
Average equity | $8,739,000 | 5,739 |
Average total loans | $12,070,500 | 7,672 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1629% | 7,846 |
Cost of funding earning assets | 1.0731% | 7,431 |
Net interest margin | 3.0898% | 6,281 |
Noninterest income to average assets | 0.6070% | 3,638 |
Noninterest expense to average assets | 2.6900% | 5,421 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.5852% | 3,746 |
Return on assets (ROA) | 0.5852% | 3,854 |
Pretax return on assets | 0.7336% | 3,886 |
Return on Equity (ROE) | 3.0972% | 4,862 |
Retained earnings to average equity (ytd only) | 0.7859% | 4,878 |
Net charge-offs to loans | 0.1298% | 4,871 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 21.0000% | 1,283 |
Efficiency ratio | 78.5714% | 3,259 |
Assets per employee ($millions) | 2.6456% | 6,964 |
Cash dividends to net income (ytd only)* | 74.6269% | 1,219 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6867% | 2,391 |
Loan loss allowance to noncurrent loans | 4,800.0000% | 102 |
Noncurrent assets plus other real estate owned to assets | 0.0089% | 7,623 |
Noncurrent loans to loans | 0.0351% | 7,452 |
Net loans and leases to total assets | 24.8822% | 7,982 |
Net loans and leases to deposits | 31.0542% | 7,980 |
Net loans and leases to core deposits | 39.0856% | 7,939 |
Total domestic deposits to total assets | 80.1250% | 5,431 |
Equity capital to assets | 19.2058% | 437 |
Core capital (leverage) ratio | 18.8535% | 434 |
Tier 1 risk-based capital ratio | 50.4292% | 184 |
Total risk-based capital ratio | 51.5819% | 183 |
Memoranda: | ||
Average total assets | $45,799,670 | 6,989 |
Average earning assets | $41,749,670 | 6,979 |
Average equity | $8,653,000 | 5,797 |
Average total loans | $12,327,670 | 7,737 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2439% | 7,881 |
Cost of funding earning assets | 1.1600% | 7,390 |
Net interest margin | 3.0839% | 6,242 |
Noninterest income to average assets | 0.5713% | 3,745 |
Noninterest expense to average assets | 2.7266% | 4,896 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.5280% | 4,302 |
Return on assets (ROA) | 0.5280% | 4,488 |
Pretax return on assets | 0.6752% | 4,510 |
Return on Equity (ROE) | 2.8174% | 5,443 |
Retained earnings to average equity (ytd only) | 2.8174% | 4,309 |
Net charge-offs to loans | 0.1563% | 3,712 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 15.6000% | 1,600 |
Efficiency ratio | 80.1527% | 2,794 |
Assets per employee ($millions) | 2.7019% | 6,881 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5614% | 2,681 |
Loan loss allowance to noncurrent loans | 110.1695% | 2,807 |
Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,344 |
Noncurrent loans to loans | 1.4172% | 4,185 |
Net loans and leases to total assets | 26.7651% | 7,987 |
Net loans and leases to deposits | 33.2666% | 7,993 |
Net loans and leases to core deposits | 41.8462% | 7,950 |
Total domestic deposits to total assets | 80.4563% | 5,190 |
Equity capital to assets | 19.0147% | 498 |
Core capital (leverage) ratio | 18.6435% | 480 |
Tier 1 risk-based capital ratio | 48.1188% | 226 |
Total risk-based capital ratio | 49.2321% | 226 |
Memoranda: | ||
Average total assets | $46,211,500 | 7,020 |
Average earning assets | $42,414,000 | 7,001 |
Average equity | $8,660,500 | 5,826 |
Average total loans | $12,800,000 | 7,759 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8490% | 7,927 |
Cost of funding earning assets | 1.5532% | 7,528 |
Net interest margin | 3.2959% | 6,051 |
Noninterest income to average assets | 0.6844% | 3,215 |
Noninterest expense to average assets | 3.0548% | 3,879 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.5099% | 4,684 |
Return on assets (ROA) | 0.5099% | 4,535 |
Pretax return on assets | 0.6640% | 4,507 |
Return on Equity (ROE) | 2.6596% | 5,357 |
Retained earnings to average equity (ytd only) | 1.4776% | 4,337 |
Net charge-offs to loans | 0.0383% | 6,256 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 58.6000% | 681 |
Efficiency ratio | 82.1450% | 2,285 |
Assets per employee ($millions) | 2.3245% | 7,522 |
Cash dividends to net income (ytd only)* | 44.4444% | 3,428 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5254% | 2,565 |
Loan loss allowance to noncurrent loans | 80.3213% | 4,106 |
Noncurrent assets plus other real estate owned to assets | 0.5356% | 5,570 |
Noncurrent loans to loans | 1.8992% | 2,902 |
Net loans and leases to total assets | 27.7716% | 8,041 |
Net loans and leases to deposits | 34.3250% | 8,054 |
Net loans and leases to core deposits | 43.1503% | 8,006 |
Total domestic deposits to total assets | 80.9077% | 4,682 |
Equity capital to assets | 18.4706% | 601 |
Core capital (leverage) ratio | 18.7113% | 535 |
Tier 1 risk-based capital ratio | 45.9267% | 248 |
Total risk-based capital ratio | 47.0246% | 250 |
Memoranda: | ||
Average total assets | $44,126,800 | 7,021 |
Average earning assets | $40,626,800 | 7,016 |
Average equity | $8,459,800 | 5,918 |
Average total loans | $13,041,800 | 7,768 |