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First State Bank, Performance and Condition Ratios

2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6340%6,650
Cost of funding earning assets0.1719%6,540
Net interest margin2.4621%6,463
Noninterest income to average assets0.5262%3,619
Noninterest expense to average assets2.6835%4,081
Loan and lease loss provision to assets-0.1846%6,709
Net operating income to assets0.5632%4,511
Return on assets (ROA)0.5632%4,666
Pretax return on assets0.2308%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 loans1.5151%305
Credit loss provision to net charge-offs-42.2535%5,693
Earnings coverage of net charge-offs (x)0.1056%4,826
Efficiency ratio98.3089%519
Assets per employee ($millions)3.4749%4,893
Cash dividends to net income (ytd only)*109.2914%315
Condition Ratios (%)
Loss allowance to loans0.9183%6,013
Loan loss allowance to noncurrent loans1,816.6667%287
Noncurrent assets plus other real estate owned to assets0.0144%6,458
Noncurrent loans to loans0.0505%6,194
Net loans and leases to total assets28.2045%6,592
Net loans and leases to deposits35.1033%6,536
Net loans and leases to core deposits35.9104%6,562
Total domestic deposits to total assets80.3473%5,410
Equity capital to assets19.3506%235
Core capital (leverage) ratio19.2589%227
Tier 1 risk-based capital ratio52.1983%121
Total risk-based capital ratio52.9190%123
Memoranda:
Average total assets$43,325,5006,262
Average earning assets$38,774,0006,274
Average equity$8,154,7505,347
Average total loans$12,496,5006,567
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6715%6,673
Cost of funding earning assets0.1720%6,616
Net interest margin2.4995%6,451
Noninterest income to average assets0.5289%3,640
Noninterest expense to average assets2.7173%3,972
Loan and lease loss provision to assets-0.2735%6,822
Net operating income to assets0.3374%5,457
Return on assets (ROA)0.3374%5,623
Pretax return on assets0.3374%5,782
Return on Equity (ROE)1.8086%6,012
Retained earnings to average equity (ytd only)-3.0794%6,318
Net charge-offs to loans2.2195%180
Credit loss provision to net charge-offs-42.5532%5,528
Earnings coverage of net charge-offs (x)0.0993%4,512
Efficiency ratio97.7049%582
Assets per employee ($millions)3.6028%4,618
Cash dividends to net income (ytd only)*270.2703%51
Condition Ratios (%)
Loss allowance to loans0.8802%6,189
Loan loss allowance to noncurrent loans1,571.4286%325
Noncurrent assets plus other real estate owned to assets0.0162%6,498
Noncurrent loans to loans0.0560%6,222
Net loans and leases to total assets28.6511%6,617
Net loans and leases to deposits35.4674%6,571
Net loans and leases to core deposits36.2479%6,597
Total domestic deposits to total assets80.7813%5,403
Equity capital to assets18.4299%291
Core capital (leverage) ratio18.2303%275
Tier 1 risk-based capital ratio48.7631%136
Total risk-based capital ratio49.4520%138
Memoranda:
Average total assets$43,867,6706,288
Average earning assets$39,527,6706,296
Average equity$8,183,3305,382
Average total loans$12,705,3306,608
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7765%6,690
Cost of funding earning assets0.1798%6,675
Net interest margin2.5967%6,377
Noninterest income to average assets0.5070%3,726
Noninterest expense to average assets2.8155%3,641
Loan and lease loss provision to assets-0.5432%6,962
Net operating income to assets0.5884%4,278
Return on assets (ROA)0.5884%4,425
Pretax return on assets0.5884%4,984
Return on Equity (ROE)3.1359%5,525
Retained earnings to average equity (ytd only)3.1359%4,389
Net charge-offs to loans-0.0312%5,910
Credit loss provision to net charge-offs6,000.0000%40
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.4177%618
Assets per employee ($millions)3.6771%4,611
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0041%2,033
Loan loss allowance to noncurrent loans164.7059%2,211
Noncurrent assets plus other real estate owned to assets0.3467%5,559
Noncurrent loans to loans1.2168%3,739
Net loans and leases to total assets27.9252%6,665
Net loans and leases to deposits34.6017%6,614
Net loans and leases to core deposits35.6035%6,632
Total domestic deposits to total assets80.7048%5,570
Equity capital to assets18.8147%284
Core capital (leverage) ratio18.3129%268
Tier 1 risk-based capital ratio49.6082%138
Total risk-based capital ratio50.8645%137
Memoranda:
Average total assets$44,184,5006,341
Average earning assets$40,051,0006,334
Average equity$8,291,0005,415
Average total loans$12,809,5006,668
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0851%6,733
Cost of funding earning assets0.2259%6,766
Net interest margin2.8593%6,297
Noninterest income to average assets0.5770%3,403
Noninterest expense to average assets3.0590%3,052
Loan and lease loss provision to assets0.2781%2,430
Net operating income to assets-0.0695%6,254
Return on assets (ROA)-0.0695%6,359
Pretax return on assets-0.1784%6,411
Return on Equity (ROE)-0.3594%6,339
Retained earnings to average equity (ytd only)-0.3594%5,916
Net charge-offs to loans-0.0581%6,731
Credit loss provision to net charge-offs-1,714.2857%6,627
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.8452%672
Assets per employee ($millions)3.1603%5,712
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.3841%1,258
Loan loss allowance to noncurrent loans190.7975%1,923
Noncurrent assets plus other real estate owned to assets0.3684%5,593
Noncurrent loans to loans1.2495%3,751
Net loans and leases to total assets28.7813%6,743
Net loans and leases to deposits35.6345%6,691
Net loans and leases to core deposits36.3974%6,720
Total domestic deposits to total assets80.7680%5,464
Equity capital to assets18.7144%280
Core capital (leverage) ratio18.8188%240
Tier 1 risk-based capital ratio43.5995%185
Total risk-based capital ratio44.9055%181
Memoranda:
Average total assets$43,151,2006,393
Average earning assets$38,961,0006,395
Average equity$8,348,4005,409
Average total loans$12,053,0006,778
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2121%6,791
Cost of funding earning assets0.2386%6,851
Net interest margin2.9735%6,225
Noninterest income to average assets0.5939%3,319
Noninterest expense to average assets3.1095%2,859
Loan and lease loss provision to assets0.3732%1,730
Net operating income to assets-0.0684%6,365
Return on assets (ROA)-0.0684%6,478
Pretax return on assets-0.2146%6,549
Return on Equity (ROE)-0.3506%6,445
Retained earnings to average equity (ytd only)-0.3506%6,149
Net charge-offs to loans-0.0678%6,775
Credit loss provision to net charge-offs-2,000.0000%6,604
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.1475%708
Assets per employee ($millions)3.0087%6,040
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.8093%878
Loan loss allowance to noncurrent loans189.5706%1,855
Noncurrent assets plus other real estate owned to assets0.3870%5,727
Noncurrent loans to loans1.4820%3,570
Net loans and leases to total assets25.3787%6,933
Net loans and leases to deposits31.9706%6,913
Net loans and leases to core deposits32.9542%6,917
Total domestic deposits to total assets79.3813%5,787
Equity capital to assets19.8732%243
Core capital (leverage) ratio18.8897%253
Tier 1 risk-based capital ratio55.0069%117
Total risk-based capital ratio56.3333%114
Memoranda:
Average total assets$42,878,0006,473
Average earning assets$38,561,7506,486
Average equity$8,365,5005,453
Average total loans$11,805,0006,880
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3161%6,804
Cost of funding earning assets0.2475%6,921
Net interest margin3.0685%6,078
Noninterest income to average assets0.6214%3,122
Noninterest expense to average assets3.0234%3,172
Loan and lease loss provision to assets0.5565%1,102
Net operating income to assets-0.1994%6,543
Return on assets (ROA)-0.1994%6,615
Pretax return on assets-0.1994%6,588
Return on Equity (ROE)-1.0283%6,547
Retained earnings to average equity (ytd only)-1.0283%6,216
Net charge-offs to loans-0.0663%6,742
Credit loss provision to net charge-offs-3,000.0000%6,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.4376%1,124
Assets per employee ($millions)2.5971%6,656
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.6316%1,118
Loan loss allowance to noncurrent loans30,700.0000%24
Noncurrent assets plus other real estate owned to assets0.0023%6,863
Noncurrent loans to loans0.0086%6,693
Net loans and leases to total assets25.7276%6,989
Net loans and leases to deposits31.9450%6,963
Net loans and leases to core deposits32.6314%6,980
Total domestic deposits to total assets80.5372%5,603
Equity capital to assets18.8172%288
Core capital (leverage) ratio18.6079%264
Tier 1 risk-based capital ratio52.2176%125
Total risk-based capital ratio53.4933%124
Memoranda:
Average total assets$43,130,0006,507
Average earning assets$38,781,0006,521
Average equity$8,363,6705,456
Average total loans$12,073,6706,922
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5069%6,690
Cost of funding earning assets0.2730%6,928
Net interest margin3.2339%5,685
Noninterest income to average assets0.5444%3,599
Noninterest expense to average assets3.1253%2,831
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.3097%5,632
Return on assets (ROA)0.3097%5,796
Pretax return on assets0.3097%5,958
Return on Equity (ROE)1.5730%6,202
Retained earnings to average equity (ytd only)1.5730%5,451
Net charge-offs to loans-0.1303%6,875
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.9836%1,018
Assets per employee ($millions)2.7005%6,639
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5786%3,811
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets26.9834%7,002
Net loans and leases to deposits33.7404%6,958
Net loans and leases to core deposits34.4839%6,981
Total domestic deposits to total assets79.9736%5,857
Equity capital to assets19.4061%249
Core capital (leverage) ratio19.0027%242
Tier 1 risk-based capital ratio50.6413%125
Total risk-based capital ratio51.8222%126
Memoranda:
Average total assets$42,619,5006,581
Average earning assets$38,096,0006,600
Average equity$8,391,5005,471
Average total loans$12,277,5006,966
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3954%7,055
Cost of funding earning assets0.3360%7,041
Net interest margin3.0594%6,431
Noninterest income to average assets0.5444%3,550
Noninterest expense to average assets2.9899%3,628
Loan and lease loss provision to assets0.0202%6,315
Net operating income to assets0.3217%5,184
Return on assets (ROA)0.3217%5,333
Pretax return on assets0.2587%5,656
Return on Equity (ROE)1.6988%5,774
Retained earnings to average equity (ytd only)0.6296%5,553
Net charge-offs to loans-0.1401%7,177
Credit loss provision to net charge-offs-47.3684%6,661
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.4659%1,080
Assets per employee ($millions)2.4724%6,858
Cash dividends to net income (ytd only)*62.9371%1,429
Condition Ratios (%)
Loss allowance to loans1.4399%4,285
Loan loss allowance to noncurrent loans18,300.0000%36
Noncurrent assets plus other real estate owned to assets0.0024%7,012
Noncurrent loans to loans0.0079%6,841
Net loans and leases to total assets29.8018%7,016
Net loans and leases to deposits37.6043%6,959
Net loans and leases to core deposits38.4622%6,990
Total domestic deposits to total assets79.2510%5,930
Equity capital to assets19.9805%235
Core capital (leverage) ratio18.7484%260
Tier 1 risk-based capital ratio49.4921%135
Total risk-based capital ratio50.6325%136
Memoranda:
Average total assets$44,449,2006,518
Average earning assets$39,582,8006,546
Average equity$8,417,6005,432
Average total loans$13,557,6006,965
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4362%7,117
Cost of funding earning assets0.3456%7,134
Net interest margin3.0906%6,403
Noninterest income to average assets0.5445%3,555
Noninterest expense to average assets2.9150%3,864
Loan and lease loss provision to assets0.0266%6,111
Net operating income to assets0.4380%4,825
Return on assets (ROA)0.4380%5,018
Pretax return on assets0.3551%5,588
Return on Equity (ROE)2.3429%5,665
Retained earnings to average equity (ytd only)1.5513%5,361
Net charge-offs to loans-0.2130%7,270
Credit loss provision to net charge-offs-40.9091%6,460
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.4201%1,303
Assets per employee ($millions)2.7350%6,601
Cash dividends to net income (ytd only)*33.7860%2,314
Condition Ratios (%)
Loss allowance to loans1.4829%4,191
Loan loss allowance to noncurrent loans2,325.0000%187
Noncurrent assets plus other real estate owned to assets0.0183%7,018
Noncurrent loans to loans0.0638%6,770
Net loans and leases to total assets28.2381%7,139
Net loans and leases to deposits35.4079%7,088
Net loans and leases to core deposits36.1771%7,115
Total domestic deposits to total assets79.7509%5,811
Equity capital to assets19.4333%286
Core capital (leverage) ratio18.4901%287
Tier 1 risk-based capital ratio50.3340%148
Total risk-based capital ratio51.5062%148
Memoranda:
Average total assets$45,053,7506,558
Average earning assets$40,120,7506,580
Average equity$8,422,5005,460
Average total loans$13,769,7507,030
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4746%7,172
Cost of funding earning assets0.3652%7,201
Net interest margin3.1094%6,390
Noninterest income to average assets0.5540%3,445
Noninterest expense to average assets2.8977%4,032
Loan and lease loss provision to assets0.0396%5,816
Net operating income to assets0.3869%5,015
Return on assets (ROA)0.3869%5,150
Pretax return on assets0.3869%5,434
Return on Equity (ROE)2.0964%5,756
Retained earnings to average equity (ytd only)0.9053%5,505
Net charge-offs to loans-0.0564%7,048
Credit loss provision to net charge-offs-225.0000%6,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.1693%1,494
Assets per employee ($millions)2.8114%6,456
Cash dividends to net income (ytd only)*56.8182%1,453
Condition Ratios (%)
Loss allowance to loans1.2421%5,355
Loan loss allowance to noncurrent loans5,600.0000%90
Noncurrent assets plus other real estate owned to assets0.0067%7,116
Noncurrent loans to loans0.0222%6,940
Net loans and leases to total assets29.6963%7,189
Net loans and leases to deposits36.9199%7,155
Net loans and leases to core deposits37.9586%7,171
Total domestic deposits to total assets80.4344%5,697
Equity capital to assets18.7453%332
Core capital (leverage) ratio17.5477%365
Tier 1 risk-based capital ratio44.2775%186
Total risk-based capital ratio45.2159%186
Memoranda:
Average total assets$45,485,0006,614
Average earning assets$40,522,3306,620
Average equity$8,395,3305,493
Average total loans$14,178,6707,079
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4726%7,221
Cost of funding earning assets0.3826%7,258
Net interest margin3.0901%6,373
Noninterest income to average assets0.4810%4,042
Noninterest expense to average assets2.9386%3,901
Loan and lease loss provision to assets0.0350%5,539
Net operating income to assets0.2624%5,573
Return on assets (ROA)0.2624%5,634
Pretax return on assets0.2624%5,768
Return on Equity (ROE)1.4325%6,006
Retained earnings to average equity (ytd only)1.4325%5,246
Net charge-offs to loans-0.0827%7,029
Credit loss provision to net charge-offs-133.3333%5,755
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.8108%1,256
Assets per employee ($millions)2.6793%6,722
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1477%5,859
Loan loss allowance to noncurrent loans2,700.0000%171
Noncurrent assets plus other real estate owned to assets0.0132%7,159
Noncurrent loans to loans0.0425%6,942
Net loans and leases to total assets30.6336%7,212
Net loans and leases to deposits37.8602%7,169
Net loans and leases to core deposits38.6328%7,203
Total domestic deposits to total assets80.9124%5,689
Equity capital to assets18.4421%337
Core capital (leverage) ratio17.2433%381
Tier 1 risk-based capital ratio43.6983%193
Total risk-based capital ratio44.5922%191
Memoranda:
Average total assets$45,736,5006,648
Average earning assets$40,776,0006,653
Average equity$8,377,0005,496
Average total loans$14,505,0007,116
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4743%7,398
Cost of funding earning assets0.5148%7,280
Net interest margin2.9595%6,808
Noninterest income to average assets0.5923%3,528
Noninterest expense to average assets2.9001%4,222
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.3532%4,729
Return on assets (ROA)0.3532%4,894
Pretax return on assets0.3532%5,072
Return on Equity (ROE)1.9085%5,417
Retained earnings to average equity (ytd only)0.7231%5,199
Net charge-offs to loans0.0888%5,955
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)14.6364%1,325
Efficiency ratio89.1436%1,387
Assets per employee ($millions)2.8703%6,400
Cash dividends to net income (ytd only)*62.1118%1,532
Condition Ratios (%)
Loss allowance to loans1.0339%6,223
Loan loss allowance to noncurrent loans2,566.6667%180
Noncurrent assets plus other real estate owned to assets0.1350%6,903
Noncurrent loans to loans0.0403%7,029
Net loans and leases to total assets32.0980%7,286
Net loans and leases to deposits39.6285%7,264
Net loans and leases to core deposits40.7379%7,288
Total domestic deposits to total assets80.9973%5,524
Equity capital to assets18.1905%362
Core capital (leverage) ratio17.1113%391
Tier 1 risk-based capital ratio41.7032%219
Total risk-based capital ratio42.5173%224
Memoranda:
Average total assets$45,585,4006,680
Average earning assets$40,986,6006,675
Average equity$8,435,8005,570
Average total loans$12,388,8007,280
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5110%7,529
Cost of funding earning assets0.5462%7,384
Net interest margin2.9649%6,905
Noninterest income to average assets0.6124%3,367
Noninterest expense to average assets2.7955%4,507
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.4894%4,364
Return on assets (ROA)0.4894%4,563
Pretax return on assets0.4894%4,961
Return on Equity (ROE)2.6331%5,373
Retained earnings to average equity (ytd only)2.6331%4,571
Net charge-offs to loans0.1133%5,403
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)16.7037%1,370
Efficiency ratio85.1026%1,720
Assets per employee ($millions)2.8481%6,486
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2035%5,474
Loan loss allowance to noncurrent loans2,214.2857%175
Noncurrent assets plus other real estate owned to assets0.1382%7,006
Noncurrent loans to loans0.0544%7,109
Net loans and leases to total assets27.9219%7,513
Net loans and leases to deposits34.7451%7,498
Net loans and leases to core deposits35.4538%7,510
Total domestic deposits to total assets80.3621%5,592
Equity capital to assets18.8808%355
Core capital (leverage) ratio17.8917%360
Tier 1 risk-based capital ratio47.9257%160
Total risk-based capital ratio48.8549%160
Memoranda:
Average total assets$45,500,5006,760
Average earning assets$41,012,2506,758
Average equity$8,456,2505,638
Average total loans$11,762,2507,415
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4952%7,610
Cost of funding earning assets0.5874%7,430
Net interest margin2.9078%6,997
Noninterest income to average assets0.6421%3,053
Noninterest expense to average assets2.8058%4,456
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.4706%4,462
Return on assets (ROA)0.4706%4,621
Pretax return on assets0.4706%5,002
Return on Equity (ROE)2.5455%5,442
Retained earnings to average equity (ytd only)2.5455%4,533
Net charge-offs to loans0.2107%4,349
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)8.9167%2,079
Efficiency ratio85.6376%1,760
Assets per employee ($millions)2.8472%6,461
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1510%5,687
Loan loss allowance to noncurrent loans1,176.9231%297
Noncurrent assets plus other real estate owned to assets0.1515%7,012
Noncurrent loans to loans0.0978%7,070
Net loans and leases to total assets28.8443%7,562
Net loans and leases to deposits35.7289%7,537
Net loans and leases to core deposits36.7101%7,553
Total domestic deposits to total assets80.7310%5,499
Equity capital to assets18.6017%372
Core capital (leverage) ratio17.6578%382
Tier 1 risk-based capital ratio46.5911%174
Total risk-based capital ratio47.4896%174
Memoranda:
Average total assets$45,477,3306,808
Average earning assets$41,199,3306,806
Average equity$8,407,0005,658
Average total loans$11,390,0007,484
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4422%7,722
Cost of funding earning assets0.6515%7,435
Net interest margin2.7907%7,191
Noninterest income to average assets0.5634%3,536
Noninterest expense to average assets2.8698%4,188
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.2201%5,617
Return on assets (ROA)0.2201%5,733
Pretax return on assets0.2201%5,820
Return on Equity (ROE)1.1942%6,065
Retained earnings to average equity (ytd only)1.1942%5,340
Net charge-offs to loans0.3066%3,187
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)3.1250%3,011
Efficiency ratio92.8775%1,213
Assets per employee ($millions)2.6964%6,870
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.5806%3,526
Loan loss allowance to noncurrent loans923.5294%363
Noncurrent assets plus other real estate owned to assets0.2422%6,855
Noncurrent loans to loans0.1711%6,992
Net loans and leases to total assets21.3273%7,770
Net loans and leases to deposits26.3305%7,775
Net loans and leases to core deposits27.0436%7,778
Total domestic deposits to total assets80.9983%5,462
Equity capital to assets18.3232%392
Core capital (leverage) ratio17.4334%412
Tier 1 risk-based capital ratio53.3641%134
Total risk-based capital ratio54.4312%135
Memoranda:
Average total assets$45,438,5006,895
Average earning assets$41,136,0006,895
Average equity$8,373,5005,721
Average total loans$10,438,5007,631
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8836%7,736
Cost of funding earning assets0.9478%7,312
Net interest margin2.9357%6,791
Noninterest income to average assets0.6192%3,493
Noninterest expense to average assets2.7949%4,997
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets0.4536%3,913
Return on assets (ROA)0.4536%4,039
Pretax return on assets0.4945%4,201
Return on Equity (ROE)2.4363%4,737
Retained earnings to average equity (ytd only)-6.2234%6,171
Net charge-offs to loans0.2955%4,783
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)6.5714%2,335
Efficiency ratio84.9673%2,233
Assets per employee ($millions)2.6494%6,952
Cash dividends to net income (ytd only)*355.4502%80
Condition Ratios (%)
Loss allowance to loans1.5077%3,681
Loan loss allowance to noncurrent loans112.2449%2,503
Noncurrent assets plus other real estate owned to assets0.3264%6,624
Noncurrent loans to loans1.3432%4,681
Net loans and leases to total assets23.9326%7,808
Net loans and leases to deposits30.1629%7,809
Net loans and leases to core deposits38.0561%7,791
Total domestic deposits to total assets79.3446%5,891
Equity capital to assets18.5350%402
Core capital (leverage) ratio16.2349%581
Tier 1 risk-based capital ratio50.6176%159
Total risk-based capital ratio51.6847%159
Memoranda:
Average total assets$46,512,8006,847
Average earning assets$42,306,6006,847
Average equity$8,660,8005,714
Average total loans$11,845,2007,611
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9603%7,816
Cost of funding earning assets0.9901%7,412
Net interest margin2.9703%6,683
Noninterest income to average assets0.5944%3,756
Noninterest expense to average assets2.6080%5,691
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.5773%3,694
Return on assets (ROA)0.5773%3,760
Pretax return on assets0.6911%3,891
Return on Equity (ROE)3.0972%4,748
Retained earnings to average equity (ytd only)1.5715%4,434
Net charge-offs to loans0.0884%5,801
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)30.3646%931
Efficiency ratio79.0517%2,987
Assets per employee ($millions)2.9486%6,282
Cash dividends to net income (ytd only)*49.2611%2,044
Condition Ratios (%)
Loss allowance to loans1.6904%2,667
Loan loss allowance to noncurrent loans112.3529%2,512
Noncurrent assets plus other real estate owned to assets0.3391%6,632
Noncurrent loans to loans1.5046%4,401
Net loans and leases to total assets22.1602%7,930
Net loans and leases to deposits27.2429%7,934
Net loans and leases to core deposits33.2924%7,927
Total domestic deposits to total assets81.3430%4,942
Equity capital to assets17.9488%518
Core capital (leverage) ratio17.5537%495
Tier 1 risk-based capital ratio48.0349%182
Total risk-based capital ratio49.1181%181
Memoranda:
Average total assets$46,881,2506,879
Average earning assets$42,688,7506,883
Average equity$8,739,0005,739
Average total loans$12,070,5007,672
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1629%7,846
Cost of funding earning assets1.0731%7,431
Net interest margin3.0898%6,281
Noninterest income to average assets0.6070%3,638
Noninterest expense to average assets2.6900%5,421
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.5852%3,746
Return on assets (ROA)0.5852%3,854
Pretax return on assets0.7336%3,886
Return on Equity (ROE)3.0972%4,862
Retained earnings to average equity (ytd only)0.7859%4,878
Net charge-offs to loans0.1298%4,871
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)21.0000%1,283
Efficiency ratio78.5714%3,259
Assets per employee ($millions)2.6456%6,964
Cash dividends to net income (ytd only)*74.6269%1,219
Condition Ratios (%)
Loss allowance to loans1.6867%2,391
Loan loss allowance to noncurrent loans4,800.0000%102
Noncurrent assets plus other real estate owned to assets0.0089%7,623
Noncurrent loans to loans0.0351%7,452
Net loans and leases to total assets24.8822%7,982
Net loans and leases to deposits31.0542%7,980
Net loans and leases to core deposits39.0856%7,939
Total domestic deposits to total assets80.1250%5,431
Equity capital to assets19.2058%437
Core capital (leverage) ratio18.8535%434
Tier 1 risk-based capital ratio50.4292%184
Total risk-based capital ratio51.5819%183
Memoranda:
Average total assets$45,799,6706,989
Average earning assets$41,749,6706,979
Average equity$8,653,0005,797
Average total loans$12,327,6707,737
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2439%7,881
Cost of funding earning assets1.1600%7,390
Net interest margin3.0839%6,242
Noninterest income to average assets0.5713%3,745
Noninterest expense to average assets2.7266%4,896
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.5280%4,302
Return on assets (ROA)0.5280%4,488
Pretax return on assets0.6752%4,510
Return on Equity (ROE)2.8174%5,443
Retained earnings to average equity (ytd only)2.8174%4,309
Net charge-offs to loans0.1563%3,712
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)15.6000%1,600
Efficiency ratio80.1527%2,794
Assets per employee ($millions)2.7019%6,881
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5614%2,681
Loan loss allowance to noncurrent loans110.1695%2,807
Noncurrent assets plus other real estate owned to assets0.3853%6,344
Noncurrent loans to loans1.4172%4,185
Net loans and leases to total assets26.7651%7,987
Net loans and leases to deposits33.2666%7,993
Net loans and leases to core deposits41.8462%7,950
Total domestic deposits to total assets80.4563%5,190
Equity capital to assets19.0147%498
Core capital (leverage) ratio18.6435%480
Tier 1 risk-based capital ratio48.1188%226
Total risk-based capital ratio49.2321%226
Memoranda:
Average total assets$46,211,5007,020
Average earning assets$42,414,0007,001
Average equity$8,660,5005,826
Average total loans$12,800,0007,759
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8490%7,927
Cost of funding earning assets1.5532%7,528
Net interest margin3.2959%6,051
Noninterest income to average assets0.6844%3,215
Noninterest expense to average assets3.0548%3,879
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.5099%4,684
Return on assets (ROA)0.5099%4,535
Pretax return on assets0.6640%4,507
Return on Equity (ROE)2.6596%5,357
Retained earnings to average equity (ytd only)1.4776%4,337
Net charge-offs to loans0.0383%6,256
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)58.6000%681
Efficiency ratio82.1450%2,285
Assets per employee ($millions)2.3245%7,522
Cash dividends to net income (ytd only)*44.4444%3,428
Condition Ratios (%)
Loss allowance to loans1.5254%2,565
Loan loss allowance to noncurrent loans80.3213%4,106
Noncurrent assets plus other real estate owned to assets0.5356%5,570
Noncurrent loans to loans1.8992%2,902
Net loans and leases to total assets27.7716%8,041
Net loans and leases to deposits34.3250%8,054
Net loans and leases to core deposits43.1503%8,006
Total domestic deposits to total assets80.9077%4,682
Equity capital to assets18.4706%601
Core capital (leverage) ratio18.7113%535
Tier 1 risk-based capital ratio45.9267%248
Total risk-based capital ratio47.0246%250
Memoranda:
Average total assets$44,126,8007,021
Average earning assets$40,626,8007,016
Average equity$8,459,8005,918
Average total loans$13,041,8007,768