Home > First State Bank of Mapleton > Performance and Condition Ratios
First State Bank of Mapleton, Performance and Condition Ratios
| 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 | 3.8420% | 6,161 |
| Cost of funding earning assets | 0.9957% | 2,008 |
| Net interest margin | 2.8463% | 6,558 |
| Noninterest income to average assets | 0.6894% | 2,712 |
| Noninterest expense to average assets | 2.0355% | 6,398 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8536% | 3,138 |
| Return on assets (ROA) | 0.8536% | 3,374 |
| Pretax return on assets | 1.3050% | 2,518 |
| Return on Equity (ROE) | 10.0983% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.0983% | 1,246 |
| Net charge-offs to loans | -0.0744% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9337% | 5,467 |
| Assets per employee ($millions) | 4.6029% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6914% | 1,126 |
| Loan loss allowance to noncurrent loans | 925.6410% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 6,501 |
| Noncurrent loans to loans | 0.2908% | 6,095 |
| Net loans and leases to total assets | 51.5563% | 5,074 |
| Net loans and leases to deposits | 56.7923% | 5,514 |
| Net loans and leases to core deposits | 57.1279% | 5,805 |
| Total domestic deposits to total assets | 90.7805% | 651 |
| Equity capital to assets | 8.2556% | 6,308 |
| Core capital (leverage) ratio | 8.2849% | 5,901 |
| Tier 1 risk-based capital ratio | 15.0514% | 3,727 |
| Total risk-based capital ratio | 16.3175% | 3,673 |
| Memoranda: | ||
| Average total assets | $48,735,000 | 6,406 |
| Average earning assets | $45,393,000 | 6,352 |
| Average equity | $4,119,500 | 6,685 |
| Average total loans | $26,865,000 | 6,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 5,289 |
| Cost of funding earning assets | 1.2405% | 1,781 |
| Net interest margin | 3.1962% | 6,103 |
| Noninterest income to average assets | 0.7742% | 2,209 |
| Noninterest expense to average assets | 2.3355% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9488% | 2,416 |
| Return on assets (ROA) | 0.9488% | 2,540 |
| Pretax return on assets | 1.4168% | 1,729 |
| Return on Equity (ROE) | 11.4985% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.4985% | 346 |
| Net charge-offs to loans | -0.0951% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2414% | 5,419 |
| Assets per employee ($millions) | 4.6838% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6650% | 1,120 |
| Loan loss allowance to noncurrent loans | 814.7727% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 6,482 |
| Noncurrent loans to loans | 0.3271% | 6,076 |
| Net loans and leases to total assets | 55.9097% | 4,723 |
| Net loans and leases to deposits | 61.8800% | 5,261 |
| Net loans and leases to core deposits | 62.2773% | 5,627 |
| Total domestic deposits to total assets | 90.3519% | 787 |
| Equity capital to assets | 8.6660% | 5,940 |
| Core capital (leverage) ratio | 8.2930% | 5,866 |
| Tier 1 risk-based capital ratio | 14.1743% | 4,196 |
| Total risk-based capital ratio | 15.4418% | 4,135 |
| Memoranda: | ||
| Average total assets | $46,372,000 | 6,472 |
| Average earning assets | $43,207,000 | 6,413 |
| Average equity | $3,826,600 | 6,797 |
| Average total loans | $28,377,400 | 6,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 5,275 |
| Cost of funding earning assets | 1.2802% | 1,816 |
| Net interest margin | 3.2114% | 6,133 |
| Noninterest income to average assets | 0.7552% | 2,285 |
| Noninterest expense to average assets | 2.1474% | 6,409 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0636% | 2,091 |
| Return on assets (ROA) | 1.0636% | 2,234 |
| Pretax return on assets | 1.6084% | 1,363 |
| Return on Equity (ROE) | 13.0553% | 1,263 |
| Retained earnings to average equity (ytd only) | 13.0553% | 379 |
| Net charge-offs to loans | -0.1020% | 7,168 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1757% | 6,117 |
| Assets per employee ($millions) | 4.7235% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6201% | 1,242 |
| Loan loss allowance to noncurrent loans | 630.0885% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,459 |
| Noncurrent loans to loans | 0.4158% | 6,010 |
| Net loans and leases to total assets | 56.0241% | 4,838 |
| Net loans and leases to deposits | 61.8786% | 5,416 |
| Net loans and leases to core deposits | 62.7085% | 5,749 |
| Total domestic deposits to total assets | 90.5388% | 614 |
| Equity capital to assets | 8.4958% | 6,300 |
| Core capital (leverage) ratio | 7.9803% | 6,418 |
| Tier 1 risk-based capital ratio | 14.1157% | 4,269 |
| Total risk-based capital ratio | 15.3829% | 4,221 |
| Memoranda: | ||
| Average total assets | $46,255,500 | 6,532 |
| Average earning assets | $43,219,750 | 6,472 |
| Average equity | $3,768,500 | 6,867 |
| Average total loans | $28,745,750 | 6,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 5,125 |
| Cost of funding earning assets | 1.3217% | 1,812 |
| Net interest margin | 3.2412% | 6,023 |
| Noninterest income to average assets | 0.7098% | 2,501 |
| Noninterest expense to average assets | 2.2121% | 6,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0103% | 2,185 |
| Return on assets (ROA) | 1.0103% | 2,283 |
| Pretax return on assets | 1.5197% | 1,468 |
| Return on Equity (ROE) | 12.5848% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.5848% | 441 |
| Net charge-offs to loans | -0.0683% | 7,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2765% | 5,985 |
| Assets per employee ($millions) | 4.3171% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5072% | 1,437 |
| Loan loss allowance to noncurrent loans | 707.0707% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,587 |
| Noncurrent loans to loans | 0.3546% | 6,208 |
| Net loans and leases to total assets | 57.3197% | 4,761 |
| Net loans and leases to deposits | 62.9568% | 5,396 |
| Net loans and leases to core deposits | 63.7919% | 5,745 |
| Total domestic deposits to total assets | 91.0462% | 483 |
| Equity capital to assets | 8.0863% | 6,609 |
| Core capital (leverage) ratio | 7.8041% | 6,507 |
| Tier 1 risk-based capital ratio | 13.3159% | 4,679 |
| Total risk-based capital ratio | 14.5662% | 4,657 |
| Memoranda: | ||
| Average total assets | $45,929,000 | 6,599 |
| Average earning assets | $42,824,000 | 6,549 |
| Average equity | $3,687,000 | 6,935 |
| Average total loans | $29,269,330 | 6,319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 4,681 |
| Cost of funding earning assets | 1.3744% | 1,748 |
| Net interest margin | 3.2892% | 5,820 |
| Noninterest income to average assets | 0.6822% | 2,670 |
| Noninterest expense to average assets | 2.2237% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0100% | 2,153 |
| Return on assets (ROA) | 1.0100% | 2,200 |
| Pretax return on assets | 1.5327% | 1,352 |
| Return on Equity (ROE) | 12.6298% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.6298% | 652 |
| Net charge-offs to loans | -0.0935% | 7,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1981% | 6,101 |
| Assets per employee ($millions) | 4.2346% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 1,576 |
| Loan loss allowance to noncurrent loans | 627.9279% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,580 |
| Noncurrent loans to loans | 0.3860% | 6,222 |
| Net loans and leases to total assets | 60.2392% | 4,218 |
| Net loans and leases to deposits | 66.0266% | 4,974 |
| Net loans and leases to core deposits | 66.9131% | 5,412 |
| Total domestic deposits to total assets | 91.2346% | 518 |
| Equity capital to assets | 7.8702% | 6,620 |
| Core capital (leverage) ratio | 7.9292% | 6,328 |
| Tier 1 risk-based capital ratio | 12.9006% | 4,897 |
| Total risk-based capital ratio | 14.1587% | 4,878 |
| Memoranda: | ||
| Average total assets | $45,149,500 | 6,662 |
| Average earning assets | $42,199,000 | 6,610 |
| Average equity | $3,610,500 | 6,984 |
| Average total loans | $29,944,000 | 6,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 4,972 |
| Cost of funding earning assets | 1.6740% | 1,715 |
| Net interest margin | 3.2368% | 6,170 |
| Noninterest income to average assets | 0.7859% | 2,348 |
| Noninterest expense to average assets | 2.3358% | 6,253 |
| Loan and lease loss provision to assets | 1.0976% | 1,459 |
| Net operating income to assets | 0.3008% | 4,938 |
| Return on assets (ROA) | 0.3008% | 5,106 |
| Pretax return on assets | 0.3578% | 5,060 |
| Return on Equity (ROE) | 3.8041% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,200 |
| Net charge-offs to loans | 2.0672% | 969 |
| Credit loss provision to net charge-offs | 80.3859% | 5,554 |
| Earnings coverage of net charge-offs (x) | 1.0659% | 5,045 |
| Efficiency ratio | 61.6097% | 5,792 |
| Assets per employee ($millions) | 4.3718% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,841 |
| Loan loss allowance to noncurrent loans | 741.9355% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 6,697 |
| Noncurrent loans to loans | 0.2987% | 6,459 |
| Net loans and leases to total assets | 69.6304% | 2,626 |
| Net loans and leases to deposits | 77.6041% | 3,575 |
| Net loans and leases to core deposits | 78.7342% | 4,374 |
| Total domestic deposits to total assets | 89.7251% | 1,254 |
| Equity capital to assets | 8.1317% | 6,343 |
| Core capital (leverage) ratio | 7.7407% | 6,505 |
| Tier 1 risk-based capital ratio | 11.2992% | 6,092 |
| Total risk-based capital ratio | 12.5604% | 6,071 |
| Memoranda: | ||
| Average total assets | $45,552,000 | 6,681 |
| Average earning assets | $42,294,800 | 6,630 |
| Average equity | $3,601,400 | 7,113 |
| Average total loans | $30,089,000 | 6,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 5,117 |
| Cost of funding earning assets | 1.7133% | 1,803 |
| Net interest margin | 3.2206% | 6,274 |
| Noninterest income to average assets | 0.7563% | 2,473 |
| Noninterest expense to average assets | 2.1994% | 6,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0258% | 2,148 |
| Return on assets (ROA) | 1.0258% | 2,257 |
| Pretax return on assets | 1.5474% | 1,480 |
| Return on Equity (ROE) | 13.0637% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.0637% | 345 |
| Net charge-offs to loans | -0.0045% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7007% | 6,165 |
| Assets per employee ($millions) | 4.5264% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 1,226 |
| Loan loss allowance to noncurrent loans | 278.4247% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 5,797 |
| Noncurrent loans to loans | 0.9291% | 5,379 |
| Net loans and leases to total assets | 67.6365% | 3,300 |
| Net loans and leases to deposits | 76.4229% | 4,096 |
| Net loans and leases to core deposits | 77.5063% | 4,863 |
| Total domestic deposits to total assets | 88.5030% | 1,669 |
| Equity capital to assets | 8.3864% | 6,410 |
| Core capital (leverage) ratio | 8.1463% | 6,127 |
| Tier 1 risk-based capital ratio | 12.0677% | 5,394 |
| Total risk-based capital ratio | 13.3357% | 5,347 |
| Memoranda: | ||
| Average total assets | $46,010,500 | 6,739 |
| Average earning assets | $42,723,750 | 6,706 |
| Average equity | $3,613,000 | 7,199 |
| Average total loans | $29,828,500 | 6,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 5,164 |
| Cost of funding earning assets | 1.7678% | 1,778 |
| Net interest margin | 3.1857% | 6,363 |
| Noninterest income to average assets | 0.6961% | 2,729 |
| Noninterest expense to average assets | 2.1790% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9728% | 2,290 |
| Return on assets (ROA) | 0.9728% | 2,368 |
| Pretax return on assets | 1.4700% | 1,641 |
| Return on Equity (ROE) | 12.6689% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.6689% | 416 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7156% | 6,095 |
| Assets per employee ($millions) | 4.5320% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7422% | 1,051 |
| Loan loss allowance to noncurrent loans | 381.2207% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 6,232 |
| Noncurrent loans to loans | 0.7193% | 5,817 |
| Net loans and leases to total assets | 63.5459% | 4,340 |
| Net loans and leases to deposits | 71.5059% | 5,073 |
| Net loans and leases to core deposits | 72.5142% | 5,623 |
| Total domestic deposits to total assets | 88.8680% | 1,511 |
| Equity capital to assets | 8.1002% | 6,652 |
| Core capital (leverage) ratio | 7.6544% | 6,670 |
| Tier 1 risk-based capital ratio | 12.3356% | 5,009 |
| Total risk-based capital ratio | 13.5992% | 4,976 |
| Memoranda: | ||
| Average total assets | $46,259,330 | 6,782 |
| Average earning assets | $42,879,330 | 6,744 |
| Average equity | $3,552,000 | 7,249 |
| Average total loans | $29,295,330 | 6,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 5,356 |
| Cost of funding earning assets | 1.8197% | 1,797 |
| Net interest margin | 3.1009% | 6,591 |
| Noninterest income to average assets | 0.5992% | 3,280 |
| Noninterest expense to average assets | 2.1828% | 6,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8560% | 2,728 |
| Return on assets (ROA) | 0.8560% | 2,816 |
| Pretax return on assets | 1.2754% | 2,120 |
| Return on Equity (ROE) | 11.4531% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.4531% | 839 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1188% | 5,641 |
| Assets per employee ($millions) | 4.3067% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7727% | 1,016 |
| Loan loss allowance to noncurrent loans | 274.3243% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 5,914 |
| Noncurrent loans to loans | 1.0107% | 5,305 |
| Net loans and leases to total assets | 60.1047% | 5,104 |
| Net loans and leases to deposits | 67.1921% | 5,686 |
| Net loans and leases to core deposits | 68.0870% | 6,091 |
| Total domestic deposits to total assets | 89.4520% | 1,264 |
| Equity capital to assets | 7.4767% | 7,092 |
| Core capital (leverage) ratio | 7.3015% | 7,029 |
| Tier 1 risk-based capital ratio | 11.9735% | 5,221 |
| Total risk-based capital ratio | 13.2340% | 5,172 |
| Memoranda: | ||
| Average total assets | $46,729,000 | 6,852 |
| Average earning assets | $43,084,500 | 6,819 |
| Average equity | $3,492,500 | 7,347 |
| Average total loans | $29,137,500 | 6,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 5,785 |
| Cost of funding earning assets | 2.0943% | 2,489 |
| Net interest margin | 3.0758% | 6,450 |
| Noninterest income to average assets | 0.8915% | 1,974 |
| Noninterest expense to average assets | 2.4534% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8690% | 2,283 |
| Return on assets (ROA) | 0.8690% | 2,347 |
| Pretax return on assets | 1.2888% | 1,724 |
| Return on Equity (ROE) | 11.8447% | 1,200 |
| Retained earnings to average equity (ytd only) | 11.8447% | 221 |
| Net charge-offs to loans | 0.0391% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 51.9091% | 502 |
| Efficiency ratio | 65.5609% | 5,479 |
| Assets per employee ($millions) | 4.6084% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8011% | 932 |
| Loan loss allowance to noncurrent loans | 1,845.4545% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,205 |
| Noncurrent loans to loans | 0.1518% | 7,049 |
| Net loans and leases to total assets | 61.1427% | 5,167 |
| Net loans and leases to deposits | 68.8066% | 5,747 |
| Net loans and leases to core deposits | 82.8078% | 5,841 |
| Total domestic deposits to total assets | 88.8616% | 1,541 |
| Equity capital to assets | 7.4711% | 7,054 |
| Core capital (leverage) ratio | 7.4154% | 6,869 |
| Tier 1 risk-based capital ratio | 11.1969% | 5,724 |
| Total risk-based capital ratio | 12.4645% | 5,654 |
| Memoranda: | ||
| Average total assets | $44,305,600 | 6,934 |
| Average earning assets | $41,063,000 | 6,905 |
| Average equity | $3,250,400 | 7,515 |
| Average total loans | $28,148,200 | 6,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 6,048 |
| Cost of funding earning assets | 2.1376% | 2,718 |
| Net interest margin | 3.0253% | 6,535 |
| Noninterest income to average assets | 0.7721% | 2,588 |
| Noninterest expense to average assets | 2.4380% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7782% | 2,899 |
| Return on assets (ROA) | 0.7782% | 2,961 |
| Pretax return on assets | 1.1521% | 2,406 |
| Return on Equity (ROE) | 10.6588% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.6588% | 521 |
| Net charge-offs to loans | -0.0048% | 7,628 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9086% | 4,998 |
| Assets per employee ($millions) | 4.0987% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8677% | 745 |
| Loan loss allowance to noncurrent loans | 4,336.8421% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,469 |
| Noncurrent loans to loans | 0.0661% | 7,338 |
| Net loans and leases to total assets | 61.9039% | 5,263 |
| Net loans and leases to deposits | 69.8117% | 5,940 |
| Net loans and leases to core deposits | 85.0396% | 5,962 |
| Total domestic deposits to total assets | 88.6728% | 1,351 |
| Equity capital to assets | 7.3948% | 7,376 |
| Core capital (leverage) ratio | 7.2576% | 7,219 |
| Tier 1 risk-based capital ratio | 10.8905% | 6,061 |
| Total risk-based capital ratio | 12.1521% | 6,010 |
| Memoranda: | ||
| Average total assets | $43,861,000 | 7,002 |
| Average earning assets | $40,855,000 | 6,966 |
| Average equity | $3,202,250 | 7,597 |
| Average total loans | $27,938,000 | 6,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 6,210 |
| Cost of funding earning assets | 2.1716% | 2,926 |
| Net interest margin | 2.9928% | 6,572 |
| Noninterest income to average assets | 0.7410% | 2,751 |
| Noninterest expense to average assets | 2.4394% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7410% | 3,088 |
| Return on assets (ROA) | 0.7410% | 3,189 |
| Pretax return on assets | 1.0862% | 2,682 |
| Return on Equity (ROE) | 10.1953% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.1953% | 689 |
| Net charge-offs to loans | -0.0072% | 7,574 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1906% | 4,947 |
| Assets per employee ($millions) | 4.0572% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9726% | 580 |
| Loan loss allowance to noncurrent loans | 5,150.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,520 |
| Noncurrent loans to loans | 0.0577% | 7,391 |
| Net loans and leases to total assets | 60.2657% | 5,633 |
| Net loans and leases to deposits | 67.8199% | 6,213 |
| Net loans and leases to core deposits | 82.7111% | 6,183 |
| Total domestic deposits to total assets | 88.8615% | 1,343 |
| Equity capital to assets | 7.2285% | 7,467 |
| Core capital (leverage) ratio | 6.9763% | 7,556 |
| Tier 1 risk-based capital ratio | 10.7835% | 6,107 |
| Total risk-based capital ratio | 12.0541% | 6,016 |
| Memoranda: | ||
| Average total assets | $43,452,670 | 7,077 |
| Average earning assets | $40,431,000 | 7,038 |
| Average equity | $3,158,330 | 7,679 |
| Average total loans | $27,672,670 | 6,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 6,070 |
| Cost of funding earning assets | 2.2168% | 3,077 |
| Net interest margin | 3.0431% | 6,361 |
| Noninterest income to average assets | 0.7279% | 2,718 |
| Noninterest expense to average assets | 2.4076% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7652% | 3,279 |
| Return on assets (ROA) | 0.7652% | 3,452 |
| Pretax return on assets | 1.1385% | 2,835 |
| Return on Equity (ROE) | 10.4977% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.4977% | 1,074 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8947% | 4,984 |
| Assets per employee ($millions) | 4.0568% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9997% | 478 |
| Loan loss allowance to noncurrent loans | 1,349.1803% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 7,177 |
| Noncurrent loans to loans | 0.2223% | 6,898 |
| Net loans and leases to total assets | 59.6370% | 5,716 |
| Net loans and leases to deposits | 67.1096% | 6,261 |
| Net loans and leases to core deposits | 79.9501% | 6,389 |
| Total domestic deposits to total assets | 88.8650% | 1,297 |
| Equity capital to assets | 7.0992% | 7,622 |
| Core capital (leverage) ratio | 7.1909% | 7,486 |
| Tier 1 risk-based capital ratio | 10.5993% | 6,292 |
| Total risk-based capital ratio | 11.8702% | 6,193 |
| Memoranda: | ||
| Average total assets | $42,864,500 | 7,137 |
| Average earning assets | $39,696,500 | 7,105 |
| Average equity | $3,124,500 | 7,746 |
| Average total loans | $27,649,000 | 6,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 6,192 |
| Cost of funding earning assets | 2.7568% | 2,890 |
| Net interest margin | 3.1110% | 6,620 |
| Noninterest income to average assets | 0.8790% | 2,062 |
| Noninterest expense to average assets | 2.5128% | 5,954 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8738% | 3,115 |
| Return on assets (ROA) | 0.8738% | 2,968 |
| Pretax return on assets | 1.2047% | 2,618 |
| Return on Equity (ROE) | 11.9048% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.9048% | 234 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5939% | 4,799 |
| Assets per employee ($millions) | 3.7367% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9538% | 454 |
| Loan loss allowance to noncurrent loans | 3,048.1481% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 7,110 |
| Noncurrent loans to loans | 0.0969% | 7,126 |
| Net loans and leases to total assets | 65.7819% | 4,898 |
| Net loans and leases to deposits | 74.8878% | 5,751 |
| Net loans and leases to core deposits | 90.3952% | 5,769 |
| Total domestic deposits to total assets | 87.8406% | 1,540 |
| Equity capital to assets | 7.4956% | 7,381 |
| Core capital (leverage) ratio | 7.1842% | 7,538 |
| Tier 1 risk-based capital ratio | 10.2147% | 6,501 |
| Total risk-based capital ratio | 11.4829% | 6,347 |
| Memoranda: | ||
| Average total assets | $38,681,600 | 7,274 |
| Average earning assets | $35,294,200 | 7,270 |
| Average equity | $2,839,200 | 7,884 |
| Average total loans | $24,677,200 | 7,047 |