Home > First State Bank of Joplin > Performance and Condition Ratios
First State Bank of Joplin, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 6,028 |
| Cost of funding earning assets | 0.2761% | 6,711 |
| Net interest margin | 3.5242% | 4,549 |
| Noninterest income to average assets | 0.9071% | 1,807 |
| Noninterest expense to average assets | 3.0166% | 3,182 |
| Loan and lease loss provision to assets | -0.0458% | 6,991 |
| Net operating income to assets | 1.2614% | 1,537 |
| Return on assets (ROA) | 1.6046% | 932 |
| Pretax return on assets | 1.6046% | 1,562 |
| Return on Equity (ROE) | 13.5252% | 1,218 |
| Retained earnings to average equity (ytd only) | 5.4375% | 3,071 |
| Net charge-offs to loans | 0.0032% | 5,721 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,640 |
| Earnings coverage of net charge-offs (x) | 822.4532% | 48 |
| Efficiency ratio | 71.2766% | 3,453 |
| Assets per employee ($millions) | 2.8752% | 6,257 |
| Cash dividends to net income (ytd only)* | 59.7977% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1058% | 652 |
| Loan loss allowance to noncurrent loans | 682.4000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,169 |
| Noncurrent loans to loans | 0.4551% | 5,537 |
| Net loans and leases to total assets | 46.2793% | 5,737 |
| Net loans and leases to deposits | 53.7819% | 5,823 |
| Net loans and leases to core deposits | 55.2002% | 5,947 |
| Total domestic deposits to total assets | 86.0500% | 3,229 |
| Equity capital to assets | 12.7964% | 1,709 |
| Core capital (leverage) ratio | 10.9146% | 2,470 |
| Tier 1 risk-based capital ratio | 23.4742% | 1,095 |
| Total risk-based capital ratio | 24.7471% | 1,070 |
| Memoranda: | ||
| Average total assets | $180,639,000 | 3,340 |
| Average earning assets | $170,435,750 | 3,258 |
| Average equity | $21,431,000 | 3,072 |
| Average total loans | $84,630,750 | 3,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 6,110 |
| Cost of funding earning assets | 0.2809% | 6,797 |
| Net interest margin | 3.5322% | 4,547 |
| Noninterest income to average assets | 0.8934% | 1,809 |
| Noninterest expense to average assets | 3.0041% | 3,245 |
| Loan and lease loss provision to assets | 0.0087% | 5,546 |
| Net operating income to assets | 1.2141% | 1,666 |
| Return on assets (ROA) | 1.6548% | 827 |
| Pretax return on assets | 1.6548% | 1,381 |
| Return on Equity (ROE) | 14.3003% | 1,050 |
| Retained earnings to average equity (ytd only) | 5.8163% | 2,815 |
| Net charge-offs to loans | 0.0070% | 5,386 |
| Credit loss provision to net charge-offs | 266.6667% | 1,080 |
| Earnings coverage of net charge-offs (x) | 373.6667% | 111 |
| Efficiency ratio | 71.0710% | 3,588 |
| Assets per employee ($millions) | 3.0089% | 6,047 |
| Cash dividends to net income (ytd only)* | 59.3276% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 744 |
| Loan loss allowance to noncurrent loans | 389.3333% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 5,833 |
| Noncurrent loans to loans | 0.7832% | 4,937 |
| Net loans and leases to total assets | 47.0697% | 5,716 |
| Net loans and leases to deposits | 54.2829% | 5,838 |
| Net loans and leases to core deposits | 56.3524% | 5,912 |
| Total domestic deposits to total assets | 86.7118% | 2,954 |
| Equity capital to assets | 12.1058% | 2,066 |
| Core capital (leverage) ratio | 10.5126% | 2,790 |
| Tier 1 risk-based capital ratio | 22.0866% | 1,276 |
| Total risk-based capital ratio | 23.3584% | 1,254 |
| Memoranda: | ||
| Average total assets | $183,349,000 | 3,310 |
| Average earning assets | $173,037,000 | 3,231 |
| Average equity | $21,216,330 | 3,088 |
| Average total loans | $85,376,000 | 3,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 6,263 |
| Cost of funding earning assets | 0.2866% | 6,882 |
| Net interest margin | 3.5032% | 4,679 |
| Noninterest income to average assets | 0.8697% | 1,870 |
| Noninterest expense to average assets | 2.9249% | 3,522 |
| Loan and lease loss provision to assets | 0.0172% | 5,112 |
| Net operating income to assets | 1.2348% | 1,644 |
| Return on assets (ROA) | 1.4474% | 1,256 |
| Pretax return on assets | 1.4474% | 2,026 |
| Return on Equity (ROE) | 12.7900% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.0971% | 2,381 |
| Net charge-offs to loans | 0.0047% | 4,688 |
| Credit loss provision to net charge-offs | 800.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 583.0000% | 42 |
| Efficiency ratio | 70.0257% | 3,801 |
| Assets per employee ($millions) | 3.1128% | 5,933 |
| Cash dividends to net income (ytd only)* | 44.5104% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0835% | 774 |
| Loan loss allowance to noncurrent loans | 375.7143% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 5,941 |
| Noncurrent loans to loans | 0.8207% | 5,037 |
| Net loans and leases to total assets | 44.2605% | 5,983 |
| Net loans and leases to deposits | 50.6299% | 6,094 |
| Net loans and leases to core deposits | 52.7312% | 6,149 |
| Total domestic deposits to total assets | 87.4196% | 2,708 |
| Equity capital to assets | 11.3671% | 2,562 |
| Core capital (leverage) ratio | 10.1521% | 3,173 |
| Tier 1 risk-based capital ratio | 21.3189% | 1,418 |
| Total risk-based capital ratio | 22.5760% | 1,392 |
| Memoranda: | ||
| Average total assets | $186,260,500 | 3,277 |
| Average earning assets | $175,838,500 | 3,213 |
| Average equity | $21,079,000 | 3,096 |
| Average total loans | $84,969,500 | 3,975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 6,062 |
| Cost of funding earning assets | 0.3827% | 6,934 |
| Net interest margin | 3.8145% | 3,748 |
| Noninterest income to average assets | 0.9285% | 1,577 |
| Noninterest expense to average assets | 2.9292% | 3,847 |
| Loan and lease loss provision to assets | 0.0411% | 6,061 |
| Net operating income to assets | 1.5389% | 763 |
| Return on assets (ROA) | 1.6426% | 659 |
| Pretax return on assets | 1.6426% | 1,115 |
| Return on Equity (ROE) | 15.2289% | 708 |
| Retained earnings to average equity (ytd only) | 3.4068% | 3,798 |
| Net charge-offs to loans | 0.0451% | 5,852 |
| Credit loss provision to net charge-offs | 182.9268% | 1,407 |
| Earnings coverage of net charge-offs (x) | 70.2683% | 424 |
| Efficiency ratio | 64.9599% | 4,958 |
| Assets per employee ($millions) | 2.9485% | 6,199 |
| Cash dividends to net income (ytd only)* | 77.6294% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0988% | 744 |
| Loan loss allowance to noncurrent loans | 406.6667% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,105 |
| Noncurrent loans to loans | 0.7620% | 5,169 |
| Net loans and leases to total assets | 44.1562% | 6,198 |
| Net loans and leases to deposits | 51.1142% | 6,282 |
| Net loans and leases to core deposits | 52.1758% | 6,418 |
| Total domestic deposits to total assets | 86.3874% | 3,086 |
| Equity capital to assets | 11.2665% | 2,724 |
| Core capital (leverage) ratio | 9.7403% | 3,688 |
| Tier 1 risk-based capital ratio | 20.9625% | 1,420 |
| Total risk-based capital ratio | 22.2338% | 1,395 |
| Memoranda: | ||
| Average total assets | $182,334,600 | 3,294 |
| Average earning assets | $171,161,200 | 3,217 |
| Average equity | $19,666,600 | 3,192 |
| Average total loans | $90,947,000 | 3,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 6,003 |
| Cost of funding earning assets | 0.4045% | 7,008 |
| Net interest margin | 3.8769% | 3,494 |
| Noninterest income to average assets | 0.8478% | 1,846 |
| Noninterest expense to average assets | 2.9182% | 3,844 |
| Loan and lease loss provision to assets | 0.0551% | 5,756 |
| Net operating income to assets | 1.5083% | 915 |
| Return on assets (ROA) | 1.6354% | 793 |
| Pretax return on assets | 1.6354% | 1,291 |
| Return on Equity (ROE) | 15.3371% | 777 |
| Retained earnings to average equity (ytd only) | 6.8969% | 2,029 |
| Net charge-offs to loans | 0.0086% | 6,040 |
| Credit loss provision to net charge-offs | 1,250.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 354.6575% | 105 |
| Efficiency ratio | 65.1148% | 4,874 |
| Assets per employee ($millions) | 2.9191% | 6,277 |
| Cash dividends to net income (ytd only)* | 55.0313% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1050% | 793 |
| Loan loss allowance to noncurrent loans | 410.8192% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 5,532 |
| Noncurrent loans to loans | 0.7558% | 5,362 |
| Net loans and leases to total assets | 42.4095% | 6,475 |
| Net loans and leases to deposits | 48.8596% | 6,575 |
| Net loans and leases to core deposits | 49.8788% | 6,674 |
| Total domestic deposits to total assets | 86.7988% | 2,772 |
| Equity capital to assets | 10.8697% | 3,272 |
| Core capital (leverage) ratio | 9.5481% | 4,083 |
| Tier 1 risk-based capital ratio | 16.5430% | 2,843 |
| Total risk-based capital ratio | 17.7948% | 2,803 |
| Memoranda: | ||
| Average total assets | $181,479,750 | 3,326 |
| Average earning assets | $170,096,500 | 3,250 |
| Average equity | $19,351,250 | 3,234 |
| Average total loans | $92,522,500 | 3,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 5,619 |
| Cost of funding earning assets | 0.4464% | 7,019 |
| Net interest margin | 3.9741% | 2,971 |
| Noninterest income to average assets | 0.8304% | 1,888 |
| Noninterest expense to average assets | 2.9970% | 3,653 |
| Loan and lease loss provision to assets | 0.1414% | 4,539 |
| Net operating income to assets | 1.4085% | 1,064 |
| Return on assets (ROA) | 1.6043% | 770 |
| Pretax return on assets | 1.6043% | 1,251 |
| Return on Equity (ROE) | 15.1534% | 775 |
| Retained earnings to average equity (ytd only) | 6.8714% | 1,933 |
| Net charge-offs to loans | 0.0232% | 5,512 |
| Credit loss provision to net charge-offs | 1,136.3636% | 300 |
| Earnings coverage of net charge-offs (x) | 124.5455% | 282 |
| Efficiency ratio | 65.9119% | 4,890 |
| Assets per employee ($millions) | 3.0713% | 5,931 |
| Cash dividends to net income (ytd only)* | 54.6544% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9231% | 956 |
| Loan loss allowance to noncurrent loans | 1,790.0662% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 5,926 |
| Noncurrent loans to loans | 0.1633% | 6,573 |
| Net loans and leases to total assets | 46.3929% | 6,225 |
| Net loans and leases to deposits | 53.0212% | 6,390 |
| Net loans and leases to core deposits | 55.3461% | 6,470 |
| Total domestic deposits to total assets | 87.4989% | 2,467 |
| Equity capital to assets | 10.1708% | 3,916 |
| Core capital (leverage) ratio | 10.7373% | 2,482 |
| Tier 1 risk-based capital ratio | 15.9700% | 2,989 |
| Total risk-based capital ratio | 17.2228% | 2,954 |
| Memoranda: | ||
| Average total assets | $176,779,330 | 3,419 |
| Average earning assets | $165,321,670 | 3,350 |
| Average equity | $18,715,330 | 3,301 |
| Average total loans | $94,829,000 | 3,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 4,778 |
| Cost of funding earning assets | 0.4860% | 7,024 |
| Net interest margin | 4.1553% | 2,061 |
| Noninterest income to average assets | 0.8692% | 1,773 |
| Noninterest expense to average assets | 3.1967% | 2,907 |
| Loan and lease loss provision to assets | 0.1781% | 3,838 |
| Net operating income to assets | 1.3727% | 1,111 |
| Return on assets (ROA) | 1.3680% | 1,171 |
| Pretax return on assets | 1.3680% | 1,823 |
| Return on Equity (ROE) | 12.6364% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.4096% | 3,532 |
| Net charge-offs to loans | 0.2166% | 3,220 |
| Credit loss provision to net charge-offs | 144.2308% | 1,963 |
| Earnings coverage of net charge-offs (x) | 12.5577% | 1,491 |
| Efficiency ratio | 67.3337% | 4,785 |
| Assets per employee ($millions) | 2.5828% | 6,870 |
| Cash dividends to net income (ytd only)* | 65.1042% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8037% | 1,108 |
| Loan loss allowance to noncurrent loans | 14,511.1111% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 5,960 |
| Noncurrent loans to loans | 0.0193% | 7,014 |
| Net loans and leases to total assets | 54.7789% | 5,198 |
| Net loans and leases to deposits | 63.6023% | 5,305 |
| Net loans and leases to core deposits | 66.8463% | 5,424 |
| Total domestic deposits to total assets | 86.1271% | 3,445 |
| Equity capital to assets | 11.2238% | 2,488 |
| Core capital (leverage) ratio | 10.4867% | 2,626 |
| Tier 1 risk-based capital ratio | 16.4444% | 2,686 |
| Total risk-based capital ratio | 17.7085% | 2,658 |
| Memoranda: | ||
| Average total assets | $168,421,500 | 3,582 |
| Average earning assets | $157,196,000 | 3,516 |
| Average equity | $18,233,000 | 3,369 |
| Average total loans | $96,008,000 | 3,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 4,942 |
| Cost of funding earning assets | 0.6660% | 6,971 |
| Net interest margin | 4.2483% | 2,005 |
| Noninterest income to average assets | 0.7492% | 2,547 |
| Noninterest expense to average assets | 3.1236% | 3,373 |
| Loan and lease loss provision to assets | 0.2875% | 4,500 |
| Net operating income to assets | 1.2942% | 1,188 |
| Return on assets (ROA) | 1.7084% | 547 |
| Pretax return on assets | 1.7084% | 924 |
| Return on Equity (ROE) | 16.1810% | 561 |
| Retained earnings to average equity (ytd only) | 4.2631% | 2,860 |
| Net charge-offs to loans | 0.0057% | 6,787 |
| Credit loss provision to net charge-offs | 8,283.3333% | 14 |
| Earnings coverage of net charge-offs (x) | 455.6667% | 50 |
| Efficiency ratio | 66.3839% | 4,899 |
| Assets per employee ($millions) | 2.6803% | 6,720 |
| Cash dividends to net income (ytd only)* | 73.6539% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 1,270 |
| Loan loss allowance to noncurrent loans | 1,569.0909% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 5,785 |
| Noncurrent loans to loans | 0.1669% | 6,737 |
| Net loans and leases to total assets | 56.1175% | 5,327 |
| Net loans and leases to deposits | 65.5038% | 5,452 |
| Net loans and leases to core deposits | 68.6861% | 5,584 |
| Total domestic deposits to total assets | 85.6706% | 3,512 |
| Equity capital to assets | 10.4423% | 3,227 |
| Core capital (leverage) ratio | 10.2466% | 2,817 |
| Tier 1 risk-based capital ratio | 16.1504% | 2,673 |
| Total risk-based capital ratio | 17.4142% | 2,631 |
| Memoranda: | ||
| Average total assets | $172,848,000 | 3,487 |
| Average earning assets | $160,958,000 | 3,432 |
| Average equity | $18,249,800 | 3,389 |
| Average total loans | $104,392,000 | 3,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 4,973 |
| Cost of funding earning assets | 0.7038% | 7,051 |
| Net interest margin | 4.2610% | 1,987 |
| Noninterest income to average assets | 0.7761% | 2,347 |
| Noninterest expense to average assets | 3.1628% | 3,055 |
| Loan and lease loss provision to assets | 0.3295% | 3,957 |
| Net operating income to assets | 1.2503% | 1,464 |
| Return on assets (ROA) | 1.7169% | 654 |
| Pretax return on assets | 1.7169% | 1,081 |
| Return on Equity (ROE) | 16.2172% | 679 |
| Retained earnings to average equity (ytd only) | 5.1270% | 2,897 |
| Net charge-offs to loans | -0.0895% | 7,534 |
| Credit loss provision to net charge-offs | -602.8169% | 7,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6883% | 4,715 |
| Assets per employee ($millions) | 2.7209% | 6,744 |
| Cash dividends to net income (ytd only)* | 68.3855% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 1,329 |
| Loan loss allowance to noncurrent loans | 1,202.3148% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,868 |
| Noncurrent loans to loans | 0.2077% | 6,765 |
| Net loans and leases to total assets | 60.0977% | 4,896 |
| Net loans and leases to deposits | 70.9617% | 5,003 |
| Net loans and leases to core deposits | 73.4409% | 5,361 |
| Total domestic deposits to total assets | 84.6903% | 3,776 |
| Equity capital to assets | 11.3327% | 2,674 |
| Core capital (leverage) ratio | 10.3168% | 2,893 |
| Tier 1 risk-based capital ratio | 15.7747% | 2,871 |
| Total risk-based capital ratio | 17.0382% | 2,820 |
| Memoranda: | ||
| Average total assets | $173,174,500 | 3,528 |
| Average earning assets | $161,211,250 | 3,476 |
| Average equity | $18,334,000 | 3,420 |
| Average total loans | $105,776,500 | 3,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 4,992 |
| Cost of funding earning assets | 0.7436% | 7,083 |
| Net interest margin | 4.2451% | 1,982 |
| Noninterest income to average assets | 0.8313% | 1,966 |
| Noninterest expense to average assets | 3.1500% | 3,097 |
| Loan and lease loss provision to assets | 0.3756% | 3,463 |
| Net operating income to assets | 1.2538% | 1,422 |
| Return on assets (ROA) | 1.5847% | 806 |
| Pretax return on assets | 1.5847% | 1,343 |
| Return on Equity (ROE) | 15.3159% | 799 |
| Retained earnings to average equity (ytd only) | 3.6962% | 3,748 |
| Net charge-offs to loans | -0.0451% | 7,434 |
| Credit loss provision to net charge-offs | -1,366.6667% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9080% | 4,999 |
| Assets per employee ($millions) | 2.7955% | 6,577 |
| Cash dividends to net income (ytd only)* | 75.8671% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3265% | 1,544 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 5,278 |
| Noncurrent loans to loans | 0.8309% | 5,620 |
| Net loans and leases to total assets | 60.3200% | 4,995 |
| Net loans and leases to deposits | 70.6932% | 5,182 |
| Net loans and leases to core deposits | 73.1168% | 5,540 |
| Total domestic deposits to total assets | 85.3264% | 3,450 |
| Equity capital to assets | 10.7832% | 3,090 |
| Core capital (leverage) ratio | 10.1080% | 3,051 |
| Tier 1 risk-based capital ratio | 15.4524% | 2,921 |
| Total risk-based capital ratio | 16.7140% | 2,878 |
| Memoranda: | ||
| Average total assets | $174,667,000 | 3,526 |
| Average earning assets | $162,447,670 | 3,473 |
| Average equity | $18,072,670 | 3,457 |
| Average total loans | $106,375,330 | 3,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 4,950 |
| Cost of funding earning assets | 0.7776% | 7,154 |
| Net interest margin | 4.2377% | 1,902 |
| Noninterest income to average assets | 0.7786% | 2,126 |
| Noninterest expense to average assets | 3.0191% | 3,607 |
| Loan and lease loss provision to assets | 0.5726% | 2,208 |
| Net operating income to assets | 1.1339% | 1,734 |
| Return on assets (ROA) | 1.5367% | 904 |
| Pretax return on assets | 1.5367% | 1,431 |
| Return on Equity (ROE) | 15.1605% | 845 |
| Retained earnings to average equity (ytd only) | -0.4689% | 5,941 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 5,515 |
| Assets per employee ($millions) | 2.9716% | 6,277 |
| Cash dividends to net income (ytd only)* | 103.0928% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,320.7865% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 6,647 |
| Noncurrent loans to loans | 0.1637% | 7,009 |
| Net loans and leases to total assets | 60.6664% | 5,002 |
| Net loans and leases to deposits | 70.9765% | 5,205 |
| Net loans and leases to core deposits | 73.3343% | 5,571 |
| Total domestic deposits to total assets | 85.4739% | 3,428 |
| Equity capital to assets | 10.2466% | 3,538 |
| Core capital (leverage) ratio | 9.7340% | 3,471 |
| Tier 1 risk-based capital ratio | 14.6003% | 3,316 |
| Total risk-based capital ratio | 15.8603% | 3,278 |
| Memoranda: | ||
| Average total assets | $176,738,500 | 3,549 |
| Average earning assets | $164,619,000 | 3,484 |
| Average equity | $17,915,000 | 3,502 |
| Average total loans | $106,908,000 | 3,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 4,691 |
| Cost of funding earning assets | 1.0978% | 6,989 |
| Net interest margin | 4.3038% | 1,706 |
| Noninterest income to average assets | 0.8432% | 2,213 |
| Noninterest expense to average assets | 2.9806% | 4,233 |
| Loan and lease loss provision to assets | 0.7058% | 3,001 |
| Net operating income to assets | 1.1665% | 1,343 |
| Return on assets (ROA) | 1.5753% | 616 |
| Pretax return on assets | 1.5753% | 1,016 |
| Return on Equity (ROE) | 15.6652% | 586 |
| Retained earnings to average equity (ytd only) | 4.0425% | 2,388 |
| Net charge-offs to loans | 0.3063% | 4,714 |
| Credit loss provision to net charge-offs | 379.7546% | 839 |
| Earnings coverage of net charge-offs (x) | 10.0736% | 1,726 |
| Efficiency ratio | 61.4192% | 6,257 |
| Assets per employee ($millions) | 2.9692% | 6,300 |
| Cash dividends to net income (ytd only)* | 74.1947% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 2,038 |
| Loan loss allowance to noncurrent loans | 1,178.6517% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 6,340 |
| Noncurrent loans to loans | 0.1694% | 7,001 |
| Net loans and leases to total assets | 57.8178% | 5,687 |
| Net loans and leases to deposits | 68.9731% | 5,730 |
| Net loans and leases to core deposits | 78.6907% | 6,203 |
| Total domestic deposits to total assets | 83.8266% | 4,111 |
| Equity capital to assets | 10.0280% | 3,718 |
| Core capital (leverage) ratio | 9.6610% | 3,509 |
| Tier 1 risk-based capital ratio | 12.1682% | 4,802 |
| Total risk-based capital ratio | 13.4169% | 4,765 |
| Memoranda: | ||
| Average total assets | $175,398,000 | 3,514 |
| Average earning assets | $163,412,000 | 3,455 |
| Average equity | $17,637,800 | 3,562 |
| Average total loans | $106,417,800 | 3,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 4,419 |
| Cost of funding earning assets | 1.1691% | 6,976 |
| Net interest margin | 4.3307% | 1,640 |
| Noninterest income to average assets | 0.8387% | 2,249 |
| Noninterest expense to average assets | 3.0503% | 3,841 |
| Loan and lease loss provision to assets | 0.7677% | 2,451 |
| Net operating income to assets | 1.0577% | 1,870 |
| Return on assets (ROA) | 1.4759% | 926 |
| Pretax return on assets | 1.4759% | 1,484 |
| Return on Equity (ROE) | 14.6670% | 818 |
| Retained earnings to average equity (ytd only) | 6.3248% | 1,804 |
| Net charge-offs to loans | 0.1774% | 4,981 |
| Credit loss provision to net charge-offs | 708.4507% | 527 |
| Earnings coverage of net charge-offs (x) | 16.8449% | 1,441 |
| Efficiency ratio | 62.5607% | 6,007 |
| Assets per employee ($millions) | 2.6872% | 6,883 |
| Cash dividends to net income (ytd only)* | 56.8770% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 1,947 |
| Loan loss allowance to noncurrent loans | 446.6231% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 6,190 |
| Noncurrent loans to loans | 0.4329% | 6,470 |
| Net loans and leases to total assets | 59.5238% | 5,660 |
| Net loans and leases to deposits | 71.5114% | 5,732 |
| Net loans and leases to core deposits | 82.3536% | 6,160 |
| Total domestic deposits to total assets | 83.2368% | 4,094 |
| Equity capital to assets | 10.4398% | 3,579 |
| Core capital (leverage) ratio | 9.7222% | 3,617 |
| Tier 1 risk-based capital ratio | 13.5508% | 3,813 |
| Total risk-based capital ratio | 14.8056% | 3,745 |
| Memoranda: | ||
| Average total assets | $174,709,750 | 3,536 |
| Average earning assets | $162,862,750 | 3,496 |
| Average equity | $17,581,000 | 3,597 |
| Average total loans | $106,747,000 | 3,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5206% | 4,506 |
| Cost of funding earning assets | 1.2592% | 6,929 |
| Net interest margin | 4.2615% | 1,774 |
| Noninterest income to average assets | 0.8219% | 2,306 |
| Noninterest expense to average assets | 3.0791% | 3,779 |
| Loan and lease loss provision to assets | 0.6410% | 2,508 |
| Net operating income to assets | 1.0726% | 1,865 |
| Return on assets (ROA) | 1.3564% | 1,181 |
| Pretax return on assets | 1.3564% | 1,845 |
| Return on Equity (ROE) | 13.6497% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.1625% | 1,943 |
| Net charge-offs to loans | 0.1757% | 4,480 |
| Credit loss provision to net charge-offs | 595.7447% | 782 |
| Earnings coverage of net charge-offs (x) | 15.9255% | 1,564 |
| Efficiency ratio | 64.2465% | 5,865 |
| Assets per employee ($millions) | 2.7741% | 6,692 |
| Cash dividends to net income (ytd only)* | 54.8523% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 2,936 |
| Loan loss allowance to noncurrent loans | 543.4211% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 5,797 |
| Noncurrent loans to loans | 0.2859% | 6,798 |
| Net loans and leases to total assets | 59.9035% | 5,686 |
| Net loans and leases to deposits | 71.5963% | 5,798 |
| Net loans and leases to core deposits | 82.2273% | 6,220 |
| Total domestic deposits to total assets | 83.6684% | 3,930 |
| Equity capital to assets | 10.0409% | 3,884 |
| Core capital (leverage) ratio | 9.5441% | 3,818 |
| Tier 1 risk-based capital ratio | 14.1297% | 3,440 |
| Total risk-based capital ratio | 15.3815% | 3,380 |
| Memoranda: | ||
| Average total assets | $174,723,670 | 3,560 |
| Average earning assets | $162,807,330 | 3,510 |
| Average equity | $17,363,000 | 3,645 |
| Average total loans | $106,989,670 | 3,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 4,657 |
| Cost of funding earning assets | 1.3491% | 6,878 |
| Net interest margin | 4.1973% | 1,905 |
| Noninterest income to average assets | 0.8586% | 2,042 |
| Noninterest expense to average assets | 3.1070% | 3,348 |
| Loan and lease loss provision to assets | 0.7556% | 1,706 |
| Net operating income to assets | 0.9067% | 2,677 |
| Return on assets (ROA) | 1.2845% | 1,522 |
| Pretax return on assets | 1.2845% | 2,333 |
| Return on Equity (ROE) | 12.9933% | 1,390 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,875 |
| Net charge-offs to loans | 0.3392% | 2,729 |
| Credit loss provision to net charge-offs | 362.6374% | 1,403 |
| Earnings coverage of net charge-offs (x) | 7.9780% | 2,258 |
| Efficiency ratio | 65.1464% | 5,483 |
| Assets per employee ($millions) | 2.8953% | 6,422 |
| Cash dividends to net income (ytd only)* | 57.9323% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 3,981 |
| Loan loss allowance to noncurrent loans | 301.2685% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 5,872 |
| Noncurrent loans to loans | 0.4371% | 6,332 |
| Net loans and leases to total assets | 60.4667% | 5,578 |
| Net loans and leases to deposits | 71.8369% | 5,764 |
| Net loans and leases to core deposits | 84.5221% | 6,021 |
| Total domestic deposits to total assets | 84.1722% | 3,624 |
| Equity capital to assets | 9.9058% | 4,109 |
| Core capital (leverage) ratio | 9.4012% | 4,106 |
| Tier 1 risk-based capital ratio | 13.8121% | 3,691 |
| Total risk-based capital ratio | 15.0043% | 3,639 |
| Memoranda: | ||
| Average total assets | $174,702,500 | 3,581 |
| Average earning assets | $162,771,000 | 3,531 |
| Average equity | $17,270,500 | 3,682 |
| Average total loans | $107,313,000 | 3,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5198% | 2,867 |
| Cost of funding earning assets | 1.7606% | 7,111 |
| Net interest margin | 4.7592% | 851 |
| Noninterest income to average assets | 0.8943% | 1,977 |
| Noninterest expense to average assets | 3.3690% | 2,765 |
| Loan and lease loss provision to assets | 0.4411% | 3,087 |
| Net operating income to assets | 1.5195% | 980 |
| Return on assets (ROA) | 1.5659% | 864 |
| Pretax return on assets | 1.5659% | 1,496 |
| Return on Equity (ROE) | 16.2200% | 739 |
| Retained earnings to average equity (ytd only) | 6.8443% | 1,206 |
| Net charge-offs to loans | 0.6827% | 1,803 |
| Credit loss provision to net charge-offs | 101.2465% | 5,246 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,957 |
| Efficiency ratio | 63.2133% | 5,734 |
| Assets per employee ($millions) | 2.7427% | 6,691 |
| Cash dividends to net income (ytd only)* | 57.8035% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,164 |
| Loan loss allowance to noncurrent loans | 131.3400% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 5,545 |
| Noncurrent loans to loans | 0.8486% | 4,927 |
| Net loans and leases to total assets | 60.8958% | 5,783 |
| Net loans and leases to deposits | 74.8034% | 5,760 |
| Net loans and leases to core deposits | 86.8306% | 6,073 |
| Total domestic deposits to total assets | 81.4077% | 4,458 |
| Equity capital to assets | 9.8650% | 4,202 |
| Core capital (leverage) ratio | 9.4189% | 4,131 |
| Tier 1 risk-based capital ratio | 14.0441% | 3,529 |
| Total risk-based capital ratio | 15.0677% | 3,561 |
| Memoranda: | ||
| Average total assets | $165,714,600 | 3,620 |
| Average earning assets | $154,437,200 | 3,578 |
| Average equity | $15,998,800 | 3,929 |
| Average total loans | $105,758,000 | 3,803 |