Home > First State Bank of Dix > Performance and Condition Ratios
First State Bank of Dix, 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 | 4.6660% | 4,607 |
| Cost of funding earning assets | 0.9393% | 4,121 |
| Net interest margin | 3.7267% | 4,218 |
| Noninterest income to average assets | 0.5395% | 3,588 |
| Noninterest expense to average assets | 2.9899% | 3,586 |
| Loan and lease loss provision to assets | 0.4521% | 2,205 |
| Net operating income to assets | 0.2801% | 5,470 |
| Return on assets (ROA) | 0.3617% | 5,343 |
| Pretax return on assets | 0.5455% | 4,990 |
| Return on Equity (ROE) | 4.8680% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.8680% | 3,264 |
| Net charge-offs to loans | 0.2079% | 4,135 |
| Credit loss provision to net charge-offs | 405.4054% | 707 |
| Earnings coverage of net charge-offs (x) | 7.8382% | 2,288 |
| Efficiency ratio | 77.3791% | 2,630 |
| Assets per employee ($millions) | 3.4306% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 4,302 |
| Loan loss allowance to noncurrent loans | 364.9485% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 6,518 |
| Noncurrent loans to loans | 0.3994% | 6,054 |
| Net loans and leases to total assets | 53.6594% | 5,219 |
| Net loans and leases to deposits | 58.3327% | 5,813 |
| Net loans and leases to core deposits | 60.1251% | 5,984 |
| Total domestic deposits to total assets | 91.9884% | 214 |
| Equity capital to assets | 7.5093% | 6,927 |
| Core capital (leverage) ratio | 7.2161% | 6,897 |
| Tier 1 risk-based capital ratio | 12.6566% | 5,359 |
| Total risk-based capital ratio | 13.9096% | 5,343 |
| Memoranda: | ||
| Average total assets | $44,236,250 | 6,588 |
| Average earning assets | $39,461,500 | 6,610 |
| Average equity | $3,286,750 | 6,993 |
| Average total loans | $23,731,750 | 6,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 5,009 |
| Cost of funding earning assets | 0.9475% | 4,337 |
| Net interest margin | 3.6422% | 4,551 |
| Noninterest income to average assets | 0.5350% | 3,596 |
| Noninterest expense to average assets | 3.0556% | 3,411 |
| Loan and lease loss provision to assets | 0.4307% | 2,273 |
| Net operating income to assets | 0.2214% | 5,660 |
| Return on assets (ROA) | 0.3627% | 5,257 |
| Pretax return on assets | 0.4760% | 5,146 |
| Return on Equity (ROE) | 4.8990% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.8990% | 3,061 |
| Net charge-offs to loans | 0.3228% | 3,269 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 4.1842% | 2,940 |
| Efficiency ratio | 80.9124% | 2,253 |
| Assets per employee ($millions) | 3.4285% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 5,183 |
| Loan loss allowance to noncurrent loans | 1,986.6667% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 7,015 |
| Noncurrent loans to loans | 0.0641% | 6,824 |
| Net loans and leases to total assets | 51.8757% | 5,582 |
| Net loans and leases to deposits | 56.3418% | 6,105 |
| Net loans and leases to core deposits | 58.4351% | 6,241 |
| Total domestic deposits to total assets | 92.0731% | 221 |
| Equity capital to assets | 7.4175% | 6,983 |
| Core capital (leverage) ratio | 7.2864% | 6,872 |
| Tier 1 risk-based capital ratio | 12.7780% | 5,110 |
| Total risk-based capital ratio | 13.9489% | 5,151 |
| Memoranda: | ||
| Average total assets | $44,115,670 | 6,643 |
| Average earning assets | $39,262,330 | 6,671 |
| Average equity | $3,266,000 | 7,053 |
| Average total loans | $23,547,330 | 6,614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 4,736 |
| Cost of funding earning assets | 0.9531% | 4,540 |
| Net interest margin | 3.6996% | 4,107 |
| Noninterest income to average assets | 0.5195% | 3,733 |
| Noninterest expense to average assets | 3.1079% | 3,214 |
| Loan and lease loss provision to assets | 0.2279% | 3,382 |
| Net operating income to assets | 0.3554% | 5,149 |
| Return on assets (ROA) | 0.3554% | 5,224 |
| Pretax return on assets | 0.4739% | 5,106 |
| Return on Equity (ROE) | 4.8059% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.8059% | 3,298 |
| Net charge-offs to loans | 0.5760% | 2,049 |
| Credit loss provision to net charge-offs | 73.5294% | 3,290 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 3,182 |
| Efficiency ratio | 81.5789% | 2,283 |
| Assets per employee ($millions) | 3.3944% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,407 |
| Loan loss allowance to noncurrent loans | 725.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 6,978 |
| Noncurrent loans to loans | 0.1375% | 6,700 |
| Net loans and leases to total assets | 52.2061% | 5,549 |
| Net loans and leases to deposits | 56.6646% | 6,066 |
| Net loans and leases to core deposits | 58.7799% | 6,192 |
| Total domestic deposits to total assets | 92.1318% | 254 |
| Equity capital to assets | 7.3810% | 6,936 |
| Core capital (leverage) ratio | 7.3420% | 6,829 |
| Tier 1 risk-based capital ratio | 12.5523% | 5,216 |
| Total risk-based capital ratio | 13.4589% | 5,502 |
| Memoranda: | ||
| Average total assets | $43,888,500 | 6,697 |
| Average earning assets | $39,031,500 | 6,718 |
| Average equity | $3,246,000 | 7,097 |
| Average total loans | $23,611,500 | 6,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 4,845 |
| Cost of funding earning assets | 1.1712% | 4,720 |
| Net interest margin | 3.7660% | 4,079 |
| Noninterest income to average assets | 0.4469% | 4,542 |
| Noninterest expense to average assets | 2.8286% | 4,483 |
| Loan and lease loss provision to assets | 0.2994% | 4,407 |
| Net operating income to assets | 0.5384% | 3,934 |
| Return on assets (ROA) | 0.6588% | 3,537 |
| Pretax return on assets | 0.8431% | 3,489 |
| Return on Equity (ROE) | 8.8947% | 2,335 |
| Retained earnings to average equity (ytd only) | 2.6746% | 3,984 |
| Net charge-offs to loans | 0.8991% | 2,395 |
| Credit loss provision to net charge-offs | 62.8019% | 6,033 |
| Earnings coverage of net charge-offs (x) | 2.0725% | 4,168 |
| Efficiency ratio | 74.1098% | 3,378 |
| Assets per employee ($millions) | 3.3577% | 5,281 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,362 |
| Loan loss allowance to noncurrent loans | 189.7638% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 6,521 |
| Noncurrent loans to loans | 0.5302% | 5,985 |
| Net loans and leases to total assets | 54.3253% | 5,594 |
| Net loans and leases to deposits | 58.9993% | 6,154 |
| Net loans and leases to core deposits | 60.8228% | 6,329 |
| Total domestic deposits to total assets | 92.0779% | 265 |
| Equity capital to assets | 7.4112% | 6,931 |
| Core capital (leverage) ratio | 7.1448% | 6,943 |
| Tier 1 risk-based capital ratio | 12.4637% | 5,053 |
| Total risk-based capital ratio | 13.4103% | 5,306 |
| Memoranda: | ||
| Average total assets | $43,413,400 | 6,755 |
| Average earning assets | $38,847,800 | 6,767 |
| Average equity | $3,215,400 | 7,216 |
| Average total loans | $23,022,800 | 6,777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 5,206 |
| Cost of funding earning assets | 1.2094% | 4,810 |
| Net interest margin | 3.7037% | 4,381 |
| Noninterest income to average assets | 0.3045% | 5,718 |
| Noninterest expense to average assets | 2.7555% | 4,660 |
| Loan and lease loss provision to assets | 0.2768% | 4,372 |
| Net operating income to assets | 0.4411% | 4,584 |
| Return on assets (ROA) | 0.5413% | 4,297 |
| Pretax return on assets | 0.7319% | 4,139 |
| Return on Equity (ROE) | 7.3091% | 3,203 |
| Retained earnings to average equity (ytd only) | 4.1944% | 3,534 |
| Net charge-offs to loans | 0.6903% | 2,698 |
| Credit loss provision to net charge-offs | 76.2712% | 5,245 |
| Earnings coverage of net charge-offs (x) | 2.4068% | 3,973 |
| Efficiency ratio | 75.9322% | 2,966 |
| Assets per employee ($millions) | 3.4073% | 5,188 |
| Cash dividends to net income (ytd only)* | 42.6148% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 5,294 |
| Loan loss allowance to noncurrent loans | 79.4521% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 5,448 |
| Noncurrent loans to loans | 1.5592% | 4,303 |
| Net loans and leases to total assets | 52.1955% | 6,073 |
| Net loans and leases to deposits | 56.7111% | 6,565 |
| Net loans and leases to core deposits | 58.0627% | 6,721 |
| Total domestic deposits to total assets | 92.0375% | 186 |
| Equity capital to assets | 7.4613% | 7,149 |
| Core capital (leverage) ratio | 7.3048% | 7,002 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,952 |
| Total risk-based capital ratio | 13.6718% | 5,024 |
| Memoranda: | ||
| Average total assets | $43,354,250 | 6,841 |
| Average earning assets | $38,915,000 | 6,835 |
| Average equity | $3,210,500 | 7,308 |
| Average total loans | $22,790,000 | 6,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 6,390 |
| Cost of funding earning assets | 1.2281% | 4,967 |
| Net interest margin | 3.3967% | 5,655 |
| Noninterest income to average assets | 0.4740% | 4,325 |
| Noninterest expense to average assets | 2.7555% | 4,680 |
| Loan and lease loss provision to assets | 0.1859% | 5,013 |
| Net operating income to assets | 0.4444% | 4,571 |
| Return on assets (ROA) | 0.5530% | 4,217 |
| Pretax return on assets | 0.7528% | 4,058 |
| Return on Equity (ROE) | 7.4866% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.4866% | 1,641 |
| Net charge-offs to loans | -0.0443% | 7,428 |
| Credit loss provision to net charge-offs | -800.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7195% | 2,773 |
| Assets per employee ($millions) | 3.2647% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,610 |
| Loan loss allowance to noncurrent loans | 78.1116% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 4,934 |
| Noncurrent loans to loans | 2.0037% | 3,710 |
| Net loans and leases to total assets | 53.9408% | 5,989 |
| Net loans and leases to deposits | 58.7196% | 6,520 |
| Net loans and leases to core deposits | 60.1798% | 6,703 |
| Total domestic deposits to total assets | 91.8616% | 247 |
| Equity capital to assets | 7.7378% | 6,972 |
| Core capital (leverage) ratio | 7.3910% | 6,927 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,778 |
| Total risk-based capital ratio | 13.8414% | 4,749 |
| Memoranda: | ||
| Average total assets | $43,040,670 | 6,893 |
| Average earning assets | $38,920,670 | 6,889 |
| Average equity | $3,179,000 | 7,364 |
| Average total loans | $22,583,330 | 6,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 6,594 |
| Cost of funding earning assets | 1.2776% | 4,949 |
| Net interest margin | 3.3073% | 5,945 |
| Noninterest income to average assets | 0.4891% | 4,133 |
| Noninterest expense to average assets | 2.7688% | 4,614 |
| Loan and lease loss provision to assets | 0.0461% | 6,209 |
| Net operating income to assets | 0.4604% | 4,571 |
| Return on assets (ROA) | 0.5999% | 4,041 |
| Pretax return on assets | 0.8306% | 3,740 |
| Return on Equity (ROE) | 8.3160% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.3160% | 1,586 |
| Net charge-offs to loans | -0.0899% | 7,502 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2139% | 2,537 |
| Assets per employee ($millions) | 3.3425% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,040 |
| Loan loss allowance to noncurrent loans | 67.4897% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 4,920 |
| Noncurrent loans to loans | 2.1857% | 3,549 |
| Net loans and leases to total assets | 50.4166% | 6,428 |
| Net loans and leases to deposits | 54.5181% | 6,883 |
| Net loans and leases to core deposits | 55.2370% | 7,031 |
| Total domestic deposits to total assets | 92.4768% | 169 |
| Equity capital to assets | 7.2218% | 7,270 |
| Core capital (leverage) ratio | 7.2862% | 7,042 |
| Tier 1 risk-based capital ratio | 12.6948% | 4,569 |
| Total risk-based capital ratio | 13.9461% | 4,527 |
| Memoranda: | ||
| Average total assets | $43,340,500 | 6,974 |
| Average earning assets | $38,823,000 | 6,982 |
| Average equity | $3,126,500 | 7,458 |
| Average total loans | $22,246,500 | 7,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 6,511 |
| Cost of funding earning assets | 1.7430% | 4,287 |
| Net interest margin | 3.2318% | 5,985 |
| Noninterest income to average assets | 0.6281% | 3,438 |
| Noninterest expense to average assets | 2.8193% | 4,892 |
| Loan and lease loss provision to assets | 0.3955% | 4,425 |
| Net operating income to assets | 0.2490% | 4,724 |
| Return on assets (ROA) | 0.4420% | 4,081 |
| Pretax return on assets | 0.5560% | 4,028 |
| Return on Equity (ROE) | 5.7821% | 3,301 |
| Retained earnings to average equity (ytd only) | -0.4565% | 5,084 |
| Net charge-offs to loans | 0.5316% | 3,655 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 2.5546% | 3,842 |
| Efficiency ratio | 79.9472% | 2,898 |
| Assets per employee ($millions) | 3.3253% | 5,440 |
| Cash dividends to net income (ytd only)* | 107.8947% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,084 |
| Loan loss allowance to noncurrent loans | 81.1224% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 5,282 |
| Noncurrent loans to loans | 1.7612% | 3,994 |
| Net loans and leases to total assets | 50.7530% | 6,555 |
| Net loans and leases to deposits | 54.8870% | 6,992 |
| Net loans and leases to core deposits | 69.7128% | 6,794 |
| Total domestic deposits to total assets | 92.4680% | 188 |
| Equity capital to assets | 7.2058% | 7,256 |
| Core capital (leverage) ratio | 7.1884% | 7,084 |
| Tier 1 risk-based capital ratio | 12.5290% | 4,499 |
| Total risk-based capital ratio | 13.7782% | 4,444 |
| Memoranda: | ||
| Average total assets | $42,988,800 | 6,991 |
| Average earning assets | $38,553,800 | 6,993 |
| Average equity | $3,286,000 | 7,507 |
| Average total loans | $22,386,800 | 7,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 6,201 |
| Cost of funding earning assets | 1.7460% | 4,659 |
| Net interest margin | 3.3744% | 5,370 |
| Noninterest income to average assets | 0.6119% | 3,604 |
| Noninterest expense to average assets | 2.6741% | 5,440 |
| Loan and lease loss provision to assets | 0.4659% | 3,576 |
| Net operating income to assets | 0.4354% | 4,255 |
| Return on assets (ROA) | 0.6678% | 3,385 |
| Pretax return on assets | 0.7703% | 3,625 |
| Return on Equity (ROE) | 8.6116% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.6116% | 940 |
| Net charge-offs to loans | 0.8029% | 2,358 |
| Credit loss provision to net charge-offs | 111.1111% | 4,573 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 4,093 |
| Efficiency ratio | 73.4015% | 3,976 |
| Assets per employee ($millions) | 3.2760% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,691 |
| Loan loss allowance to noncurrent loans | 134.2857% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 6,206 |
| Noncurrent loans to loans | 0.9456% | 5,409 |
| Net loans and leases to total assets | 51.4840% | 6,654 |
| Net loans and leases to deposits | 56.5861% | 7,053 |
| Net loans and leases to core deposits | 72.0492% | 6,845 |
| Total domestic deposits to total assets | 90.9834% | 429 |
| Equity capital to assets | 8.0516% | 6,800 |
| Core capital (leverage) ratio | 7.6679% | 6,774 |
| Tier 1 risk-based capital ratio | 13.8923% | 3,612 |
| Total risk-based capital ratio | 15.0762% | 3,606 |
| Memoranda: | ||
| Average total assets | $42,928,750 | 7,045 |
| Average earning assets | $38,563,750 | 7,050 |
| Average equity | $3,328,750 | 7,562 |
| Average total loans | $22,419,000 | 7,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 6,108 |
| Cost of funding earning assets | 1.7959% | 4,780 |
| Net interest margin | 3.3957% | 5,189 |
| Noninterest income to average assets | 0.7016% | 2,984 |
| Noninterest expense to average assets | 2.6718% | 5,488 |
| Loan and lease loss provision to assets | 0.4647% | 3,201 |
| Net operating income to assets | 0.5318% | 3,975 |
| Return on assets (ROA) | 0.7806% | 3,025 |
| Pretax return on assets | 0.9154% | 3,286 |
| Return on Equity (ROE) | 10.1962% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.1962% | 688 |
| Net charge-offs to loans | 0.8448% | 2,004 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 2.4632% | 3,837 |
| Efficiency ratio | 71.0754% | 4,580 |
| Assets per employee ($millions) | 3.0769% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 4,810 |
| Loan loss allowance to noncurrent loans | 113.8075% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 5,994 |
| Noncurrent loans to loans | 1.0726% | 5,063 |
| Net loans and leases to total assets | 51.0946% | 6,775 |
| Net loans and leases to deposits | 56.6611% | 7,118 |
| Net loans and leases to core deposits | 71.0573% | 6,962 |
| Total domestic deposits to total assets | 90.1757% | 758 |
| Equity capital to assets | 7.7977% | 6,981 |
| Core capital (leverage) ratio | 7.4612% | 7,070 |
| Tier 1 risk-based capital ratio | 13.2255% | 3,983 |
| Total risk-based capital ratio | 14.3280% | 4,004 |
| Memoranda: | ||
| Average total assets | $43,042,330 | 7,095 |
| Average earning assets | $38,755,000 | 7,103 |
| Average equity | $3,295,330 | 7,636 |
| Average total loans | $22,489,330 | 7,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 5,612 |
| Cost of funding earning assets | 1.8212% | 5,018 |
| Net interest margin | 3.5390% | 4,570 |
| Noninterest income to average assets | 0.6322% | 3,337 |
| Noninterest expense to average assets | 2.5938% | 5,475 |
| Loan and lease loss provision to assets | 0.6508% | 1,940 |
| Net operating income to assets | 0.4898% | 4,470 |
| Return on assets (ROA) | 0.7809% | 3,374 |
| Pretax return on assets | 0.9018% | 3,707 |
| Return on Equity (ROE) | 10.2957% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.2957% | 1,121 |
| Net charge-offs to loans | 1.5580% | 927 |
| Credit loss provision to net charge-offs | 79.5455% | 4,197 |
| Earnings coverage of net charge-offs (x) | 1.4886% | 3,991 |
| Efficiency ratio | 68.0488% | 4,963 |
| Assets per employee ($millions) | 3.0939% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,391 |
| Loan loss allowance to noncurrent loans | 119.7115% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 5,986 |
| Noncurrent loans to loans | 0.9282% | 5,145 |
| Net loans and leases to total assets | 51.1613% | 6,757 |
| Net loans and leases to deposits | 56.5898% | 7,123 |
| Net loans and leases to core deposits | 72.3710% | 6,895 |
| Total domestic deposits to total assets | 90.4073% | 636 |
| Equity capital to assets | 7.6026% | 7,257 |
| Core capital (leverage) ratio | 7.5128% | 7,152 |
| Tier 1 risk-based capital ratio | 12.9334% | 4,222 |
| Total risk-based capital ratio | 13.9468% | 4,315 |
| Memoranda: | ||
| Average total assets | $43,025,000 | 7,133 |
| Average earning assets | $38,655,000 | 7,138 |
| Average equity | $3,263,500 | 7,700 |
| Average total loans | $22,593,000 | 7,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 6,587 |
| Cost of funding earning assets | 2.3847% | 4,787 |
| Net interest margin | 3.3677% | 5,796 |
| Noninterest income to average assets | 0.5180% | 4,486 |
| Noninterest expense to average assets | 2.8391% | 4,653 |
| Loan and lease loss provision to assets | 0.4357% | 3,114 |
| Net operating income to assets | 0.2919% | 5,572 |
| Return on assets (ROA) | 0.3316% | 5,258 |
| Pretax return on assets | 0.3631% | 5,347 |
| Return on Equity (ROE) | 4.3647% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.3505% | 5,033 |
| Net charge-offs to loans | 0.4902% | 2,400 |
| Credit loss provision to net charge-offs | 153.8462% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 4,746 |
| Efficiency ratio | 78.9899% | 2,753 |
| Assets per employee ($millions) | 3.0526% | 5,926 |
| Cash dividends to net income (ytd only)* | 91.9708% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,758 |
| Loan loss allowance to noncurrent loans | 74.5810% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 4,755 |
| Noncurrent loans to loans | 1.5718% | 3,423 |
| Net loans and leases to total assets | 52.6722% | 6,780 |
| Net loans and leases to deposits | 59.9404% | 7,092 |
| Net loans and leases to core deposits | 76.5672% | 6,831 |
| Total domestic deposits to total assets | 87.8744% | 1,528 |
| Equity capital to assets | 7.5674% | 7,331 |
| Core capital (leverage) ratio | 7.3574% | 7,351 |
| Tier 1 risk-based capital ratio | 12.6907% | 4,295 |
| Total risk-based capital ratio | 13.7859% | 4,318 |
| Memoranda: | ||
| Average total assets | $41,316,000 | 7,156 |
| Average earning assets | $37,741,200 | 7,160 |
| Average equity | $3,138,800 | 7,793 |
| Average total loans | $23,867,400 | 7,080 |