Home > First State Bank of Miami, Texas > Performance and Condition Ratios
First State Bank of Miami, Texas, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,728 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.0000% | 6,725 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.5176% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5176% | 6,478 |
| Return on assets (ROA) | -0.5176% | 6,476 |
| Pretax return on assets | -0.5176% | 6,461 |
| Return on Equity (ROE) | -6.4454% | 6,501 |
| Retained earnings to average equity (ytd only) | -6.4454% | 6,202 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,738 |
| Equity capital to assets | 96.7192% | 4 |
| Core capital (leverage) ratio | 96.7192% | 5 |
| Tier 1 risk-based capital ratio | 484.8684% | 5 |
| Total risk-based capital ratio | 484.8684% | 5 |
| Memoranda: | ||
| Average total assets | $19,320,000 | 6,634 |
| Average earning assets | $17,014,500 | 6,625 |
| Average equity | $1,551,500 | 6,661 |
| Average total loans | $11,726,000 | 6,452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 5,083 |
| Cost of funding earning assets | 0.2881% | 5,686 |
| Net interest margin | 3.4278% | 4,173 |
| Noninterest income to average assets | 0.3808% | 4,585 |
| Noninterest expense to average assets | 4.5258% | 518 |
| Loan and lease loss provision to assets | 1.7381% | 61 |
| Net operating income to assets | -1.9319% | 6,708 |
| Return on assets (ROA) | -1.8772% | 6,702 |
| Pretax return on assets | -2.6681% | 6,742 |
| Return on Equity (ROE) | -32.3626% | 6,734 |
| Retained earnings to average equity (ytd only) | -32.3626% | 6,730 |
| Net charge-offs to loans | 3.1494% | 76 |
| Credit loss provision to net charge-offs | 91.8710% | 2,707 |
| Earnings coverage of net charge-offs (x) | -0.5329% | 5,203 |
| Efficiency ratio | 128.6607% | 132 |
| Assets per employee ($millions) | 3.7878% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7546% | 638 |
| Loan loss allowance to noncurrent loans | 70.1412% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.5107% | 1,363 |
| Noncurrent loans to loans | 3.9272% | 748 |
| Net loans and leases to total assets | 60.2091% | 3,675 |
| Net loans and leases to deposits | 64.2567% | 4,482 |
| Net loans and leases to core deposits | 64.7199% | 4,806 |
| Total domestic deposits to total assets | 93.7008% | 89 |
| Equity capital to assets | 6.2464% | 6,595 |
| Core capital (leverage) ratio | 4.0099% | 6,751 |
| Tier 1 risk-based capital ratio | 7.3003% | 6,721 |
| Total risk-based capital ratio | 8.5660% | 6,720 |
| Memoranda: | ||
| Average total assets | $40,965,000 | 6,265 |
| Average earning assets | $37,487,400 | 6,235 |
| Average equity | $2,376,200 | 6,645 |
| Average total loans | $24,608,200 | 6,002 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,843 |
| Cost of funding earning assets | 0.3059% | 5,682 |
| Net interest margin | 3.4973% | 3,895 |
| Noninterest income to average assets | 0.3929% | 4,584 |
| Noninterest expense to average assets | 4.3669% | 595 |
| Loan and lease loss provision to assets | 2.2713% | 30 |
| Net operating income to assets | -2.1659% | 6,813 |
| Return on assets (ROA) | -2.0956% | 6,812 |
| Pretax return on assets | -2.9326% | 6,843 |
| Return on Equity (ROE) | -36.7689% | 6,840 |
| Retained earnings to average equity (ytd only) | -36.7689% | 6,837 |
| Net charge-offs to loans | 2.0028% | 188 |
| Credit loss provision to net charge-offs | 190.1070% | 1,272 |
| Earnings coverage of net charge-offs (x) | -0.6364% | 4,968 |
| Efficiency ratio | 121.0806% | 169 |
| Assets per employee ($millions) | 3.0294% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6384% | 148 |
| Loan loss allowance to noncurrent loans | 118.4598% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.3183% | 1,702 |
| Noncurrent loans to loans | 3.9156% | 905 |
| Net loans and leases to total assets | 54.6062% | 4,514 |
| Net loans and leases to deposits | 58.3266% | 5,155 |
| Net loans and leases to core deposits | 58.7296% | 5,388 |
| Total domestic deposits to total assets | 93.6215% | 88 |
| Equity capital to assets | 6.2948% | 6,665 |
| Core capital (leverage) ratio | 4.2202% | 6,818 |
| Tier 1 risk-based capital ratio | 8.0300% | 6,764 |
| Total risk-based capital ratio | 9.3230% | 6,765 |
| Memoranda: | ||
| Average total assets | $41,736,750 | 6,305 |
| Average earning assets | $38,352,000 | 6,291 |
| Average equity | $2,378,750 | 6,720 |
| Average total loans | $24,897,250 | 6,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,927 |
| Cost of funding earning assets | 0.3316% | 5,554 |
| Net interest margin | 3.4384% | 4,050 |
| Noninterest income to average assets | 0.3763% | 4,700 |
| Noninterest expense to average assets | 4.3978% | 578 |
| Loan and lease loss provision to assets | 2.9115% | 22 |
| Net operating income to assets | -2.7000% | 6,887 |
| Return on assets (ROA) | -2.5916% | 6,880 |
| Pretax return on assets | -3.6123% | 6,908 |
| Return on Equity (ROE) | -46.9870% | 6,901 |
| Retained earnings to average equity (ytd only) | -46.9870% | 6,895 |
| Net charge-offs to loans | 1.7835% | 267 |
| Credit loss provision to net charge-offs | 270.3057% | 938 |
| Earnings coverage of net charge-offs (x) | -0.7904% | 4,693 |
| Efficiency ratio | 124.0053% | 158 |
| Assets per employee ($millions) | 3.2262% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5568% | 169 |
| Loan loss allowance to noncurrent loans | 76.1773% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 3.5145% | 1,098 |
| Noncurrent loans to loans | 5.9818% | 478 |
| Net loans and leases to total assets | 54.9356% | 4,459 |
| Net loans and leases to deposits | 57.7299% | 5,184 |
| Net loans and leases to core deposits | 58.0982% | 5,414 |
| Total domestic deposits to total assets | 95.1598% | 38 |
| Equity capital to assets | 4.7306% | 6,840 |
| Core capital (leverage) ratio | 2.9751% | 6,904 |
| Tier 1 risk-based capital ratio | 5.4776% | 6,884 |
| Total risk-based capital ratio | 6.7723% | 6,886 |
| Memoranda: | ||
| Average total assets | $42,521,670 | 6,329 |
| Average earning assets | $39,204,330 | 6,306 |
| Average equity | $2,345,330 | 6,774 |
| Average total loans | $25,679,330 | 6,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 4,351 |
| Cost of funding earning assets | 0.3549% | 5,483 |
| Net interest margin | 3.5794% | 3,346 |
| Noninterest income to average assets | 0.3924% | 4,518 |
| Noninterest expense to average assets | 5.0266% | 363 |
| Loan and lease loss provision to assets | 0.5139% | 517 |
| Net operating income to assets | -1.2800% | 6,858 |
| Return on assets (ROA) | -1.2800% | 6,863 |
| Pretax return on assets | -1.8499% | 6,907 |
| Return on Equity (ROE) | -21.6944% | 6,906 |
| Retained earnings to average equity (ytd only) | -21.6944% | 6,849 |
| Net charge-offs to loans | 3.1759% | 105 |
| Credit loss provision to net charge-offs | 26.1905% | 2,946 |
| Earnings coverage of net charge-offs (x) | -0.6810% | 3,940 |
| Efficiency ratio | 136.2025% | 119 |
| Assets per employee ($millions) | 3.0489% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2549% | 1,478 |
| Loan loss allowance to noncurrent loans | 80.8759% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 2,776 |
| Noncurrent loans to loans | 2.7881% | 1,821 |
| Net loans and leases to total assets | 56.2610% | 4,047 |
| Net loans and leases to deposits | 59.7760% | 4,817 |
| Net loans and leases to core deposits | 60.1533% | 5,138 |
| Total domestic deposits to total assets | 94.1197% | 68 |
| Equity capital to assets | 5.7936% | 6,840 |
| Core capital (leverage) ratio | 4.4390% | 6,911 |
| Tier 1 risk-based capital ratio | 7.5555% | 6,873 |
| Total risk-based capital ratio | 8.8072% | 6,875 |
| Memoranda: | ||
| Average total assets | $42,812,500 | 6,376 |
| Average earning assets | $39,448,500 | 6,351 |
| Average equity | $2,526,000 | 6,808 |
| Average total loans | $26,449,000 | 6,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 3,045 |
| Cost of funding earning assets | 0.7210% | 3,315 |
| Net interest margin | 3.8683% | 2,953 |
| Noninterest income to average assets | 0.4042% | 4,572 |
| Noninterest expense to average assets | 3.7215% | 1,377 |
| Loan and lease loss provision to assets | 0.7882% | 620 |
| Net operating income to assets | -0.3717% | 6,497 |
| Return on assets (ROA) | -0.3717% | 6,542 |
| Pretax return on assets | -0.5525% | 6,596 |
| Return on Equity (ROE) | -6.7763% | 6,648 |
| Retained earnings to average equity (ytd only) | -6.7763% | 6,517 |
| Net charge-offs to loans | 0.5685% | 2,020 |
| Credit loss provision to net charge-offs | 212.0219% | 1,201 |
| Earnings coverage of net charge-offs (x) | 0.6339% | 5,170 |
| Efficiency ratio | 94.0452% | 796 |
| Assets per employee ($millions) | 2.8627% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5027% | 1,127 |
| Loan loss allowance to noncurrent loans | 62.3023% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.7201% | 1,774 |
| Noncurrent loans to loans | 4.0171% | 1,164 |
| Net loans and leases to total assets | 64.3223% | 2,841 |
| Net loans and leases to deposits | 68.6143% | 3,889 |
| Net loans and leases to core deposits | 69.0448% | 4,433 |
| Total domestic deposits to total assets | 93.7448% | 78 |
| Equity capital to assets | 6.0061% | 6,893 |
| Core capital (leverage) ratio | 4.6608% | 6,953 |
| Tier 1 risk-based capital ratio | 8.5032% | 6,889 |
| Total risk-based capital ratio | 9.7720% | 6,892 |
| Memoranda: | ||
| Average total assets | $49,228,000 | 6,234 |
| Average earning assets | $45,213,800 | 6,197 |
| Average equity | $2,700,600 | 6,845 |
| Average total loans | $32,188,200 | 5,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 3,347 |
| Cost of funding earning assets | 0.7155% | 3,629 |
| Net interest margin | 3.8513% | 3,113 |
| Noninterest income to average assets | 0.3517% | 5,005 |
| Noninterest expense to average assets | 3.6298% | 1,500 |
| Loan and lease loss provision to assets | 0.3333% | 1,963 |
| Net operating income to assets | -0.0315% | 6,322 |
| Return on assets (ROA) | -0.0315% | 6,443 |
| Pretax return on assets | -0.0656% | 6,458 |
| Return on Equity (ROE) | -0.5859% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.5859% | 6,198 |
| Net charge-offs to loans | 0.7360% | 1,503 |
| Credit loss provision to net charge-offs | 69.3989% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.5574% | 5,043 |
| Efficiency ratio | 93.1313% | 827 |
| Assets per employee ($millions) | 3.1339% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,361 |
| Loan loss allowance to noncurrent loans | 90.5051% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9872% | 4,311 |
| Noncurrent loans to loans | 1.5499% | 3,461 |
| Net loans and leases to total assets | 62.7996% | 3,241 |
| Net loans and leases to deposits | 66.5772% | 4,394 |
| Net loans and leases to core deposits | 68.2496% | 4,706 |
| Total domestic deposits to total assets | 94.3261% | 63 |
| Equity capital to assets | 5.5602% | 7,016 |
| Core capital (leverage) ratio | 4.5465% | 7,055 |
| Tier 1 risk-based capital ratio | 7.9850% | 6,992 |
| Total risk-based capital ratio | 9.2383% | 6,995 |
| Memoranda: | ||
| Average total assets | $50,800,000 | 6,260 |
| Average earning assets | $46,771,000 | 6,230 |
| Average equity | $2,731,000 | 6,923 |
| Average total loans | $33,153,000 | 5,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 3,051 |
| Cost of funding earning assets | 0.7220% | 3,831 |
| Net interest margin | 3.9474% | 2,726 |
| Noninterest income to average assets | 0.3567% | 4,975 |
| Noninterest expense to average assets | 3.5908% | 1,598 |
| Loan and lease loss provision to assets | 0.3802% | 1,720 |
| Net operating income to assets | 0.0196% | 6,296 |
| Return on assets (ROA) | 0.0196% | 6,434 |
| Pretax return on assets | 0.0078% | 6,436 |
| Return on Equity (ROE) | 0.3687% | 6,412 |
| Retained earnings to average equity (ytd only) | 0.3687% | 5,922 |
| Net charge-offs to loans | 0.5423% | 1,969 |
| Credit loss provision to net charge-offs | 106.5934% | 2,555 |
| Earnings coverage of net charge-offs (x) | 1.0879% | 4,474 |
| Efficiency ratio | 90.2463% | 1,056 |
| Assets per employee ($millions) | 2.6981% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,839 |
| Loan loss allowance to noncurrent loans | 39.5656% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 2,166 |
| Noncurrent loans to loans | 3.8853% | 1,433 |
| Net loans and leases to total assets | 63.7224% | 3,096 |
| Net loans and leases to deposits | 67.3512% | 4,311 |
| Net loans and leases to core deposits | 68.6347% | 4,713 |
| Total domestic deposits to total assets | 94.6121% | 64 |
| Equity capital to assets | 5.2806% | 7,084 |
| Core capital (leverage) ratio | 4.5987% | 7,094 |
| Tier 1 risk-based capital ratio | 7.9856% | 7,041 |
| Total risk-based capital ratio | 9.2410% | 7,042 |
| Memoranda: | ||
| Average total assets | $51,019,330 | 6,289 |
| Average earning assets | $46,815,330 | 6,268 |
| Average equity | $2,712,000 | 6,966 |
| Average total loans | $33,558,330 | 5,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 3,015 |
| Cost of funding earning assets | 0.7294% | 4,032 |
| Net interest margin | 3.9819% | 2,585 |
| Noninterest income to average assets | 0.3301% | 5,222 |
| Noninterest expense to average assets | 3.4029% | 2,000 |
| Loan and lease loss provision to assets | 0.2358% | 2,583 |
| Net operating income to assets | 0.2515% | 5,815 |
| Return on assets (ROA) | 0.2515% | 5,965 |
| Pretax return on assets | 0.3379% | 5,885 |
| Return on Equity (ROE) | 4.7154% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.7154% | 3,738 |
| Net charge-offs to loans | 1.0904% | 946 |
| Credit loss provision to net charge-offs | 32.6087% | 3,579 |
| Earnings coverage of net charge-offs (x) | 0.7935% | 3,938 |
| Efficiency ratio | 85.5731% | 1,518 |
| Assets per employee ($millions) | 2.8960% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,954 |
| Loan loss allowance to noncurrent loans | 26.9677% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 3.2017% | 1,811 |
| Noncurrent loans to loans | 4.8777% | 1,164 |
| Net loans and leases to total assets | 63.6126% | 2,920 |
| Net loans and leases to deposits | 67.1527% | 4,203 |
| Net loans and leases to core deposits | 68.4064% | 4,640 |
| Total domestic deposits to total assets | 94.7284% | 66 |
| Equity capital to assets | 5.2064% | 7,128 |
| Core capital (leverage) ratio | 4.7770% | 7,136 |
| Tier 1 risk-based capital ratio | 8.1583% | 7,086 |
| Total risk-based capital ratio | 9.4118% | 7,086 |
| Memoranda: | ||
| Average total assets | $50,897,500 | 6,340 |
| Average earning assets | $46,611,000 | 6,312 |
| Average equity | $2,714,500 | 7,019 |
| Average total loans | $33,749,500 | 5,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 2,744 |
| Cost of funding earning assets | 0.8260% | 4,662 |
| Net interest margin | 4.2073% | 2,032 |
| Noninterest income to average assets | 0.5778% | 3,311 |
| Noninterest expense to average assets | 3.5625% | 1,824 |
| Loan and lease loss provision to assets | 0.9054% | 1,062 |
| Net operating income to assets | -0.0273% | 6,080 |
| Return on assets (ROA) | 0.0273% | 6,107 |
| Pretax return on assets | 0.0114% | 6,107 |
| Return on Equity (ROE) | 0.4419% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.4419% | 5,625 |
| Net charge-offs to loans | 1.2082% | 1,390 |
| Credit loss provision to net charge-offs | 108.4469% | 3,111 |
| Earnings coverage of net charge-offs (x) | 1.0327% | 5,017 |
| Efficiency ratio | 80.5141% | 2,236 |
| Assets per employee ($millions) | 2.9216% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,085 |
| Loan loss allowance to noncurrent loans | 73.7921% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 3,834 |
| Noncurrent loans to loans | 2.0149% | 3,185 |
| Net loans and leases to total assets | 67.2338% | 2,530 |
| Net loans and leases to deposits | 71.1928% | 3,919 |
| Net loans and leases to core deposits | 73.7918% | 4,271 |
| Total domestic deposits to total assets | 94.4390% | 76 |
| Equity capital to assets | 5.4664% | 7,133 |
| Core capital (leverage) ratio | 4.8363% | 7,162 |
| Tier 1 risk-based capital ratio | 7.9104% | 7,113 |
| Total risk-based capital ratio | 9.1676% | 7,113 |
| Memoranda: | ||
| Average total assets | $43,958,400 | 6,540 |
| Average earning assets | $40,192,000 | 6,521 |
| Average equity | $2,715,800 | 7,071 |
| Average total loans | $30,375,400 | 6,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 2,794 |
| Cost of funding earning assets | 0.8334% | 4,916 |
| Net interest margin | 4.2286% | 1,997 |
| Noninterest income to average assets | 0.3981% | 4,683 |
| Noninterest expense to average assets | 3.5205% | 1,889 |
| Loan and lease loss provision to assets | 0.6364% | 1,540 |
| Net operating income to assets | 0.0793% | 6,011 |
| Return on assets (ROA) | 0.2069% | 5,817 |
| Pretax return on assets | 0.2790% | 5,749 |
| Return on Equity (ROE) | 3.2401% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.2401% | 4,412 |
| Net charge-offs to loans | 0.9628% | 1,673 |
| Credit loss provision to net charge-offs | 95.3052% | 3,594 |
| Earnings coverage of net charge-offs (x) | 1.1127% | 4,796 |
| Efficiency ratio | 82.5735% | 1,891 |
| Assets per employee ($millions) | 3.0977% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,594 |
| Loan loss allowance to noncurrent loans | 520.2247% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 6,422 |
| Noncurrent loans to loans | 0.2677% | 6,335 |
| Net loans and leases to total assets | 70.5634% | 1,968 |
| Net loans and leases to deposits | 75.1363% | 3,485 |
| Net loans and leases to core deposits | 78.6547% | 3,809 |
| Total domestic deposits to total assets | 93.9138% | 82 |
| Equity capital to assets | 5.9355% | 7,192 |
| Core capital (leverage) ratio | 5.3283% | 7,201 |
| Tier 1 risk-based capital ratio | 8.1893% | 7,177 |
| Total risk-based capital ratio | 9.4431% | 7,181 |
| Memoranda: | ||
| Average total assets | $42,531,250 | 6,644 |
| Average earning assets | $38,877,500 | 6,633 |
| Average equity | $2,716,000 | 7,139 |
| Average total loans | $29,495,000 | 6,243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 3,073 |
| Cost of funding earning assets | 0.8132% | 5,285 |
| Net interest margin | 4.2040% | 2,019 |
| Noninterest income to average assets | 0.3979% | 4,698 |
| Noninterest expense to average assets | 3.5711% | 1,808 |
| Loan and lease loss provision to assets | 0.1553% | 4,370 |
| Net operating income to assets | 0.3581% | 5,142 |
| Return on assets (ROA) | 0.3785% | 5,181 |
| Pretax return on assets | 0.5386% | 4,938 |
| Return on Equity (ROE) | 5.7735% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.7735% | 2,552 |
| Net charge-offs to loans | 0.3399% | 3,208 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 2.8542% | 3,416 |
| Efficiency ratio | 84.3070% | 1,781 |
| Assets per employee ($millions) | 2.2250% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,922 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.8468% | 2,443 |
| Net loans and leases to deposits | 73.7638% | 3,844 |
| Net loans and leases to core deposits | 76.2790% | 4,274 |
| Total domestic deposits to total assets | 93.3341% | 116 |
| Equity capital to assets | 6.5476% | 7,176 |
| Core capital (leverage) ratio | 5.6385% | 7,243 |
| Tier 1 risk-based capital ratio | 7.5357% | 7,281 |
| Total risk-based capital ratio | 8.7895% | 7,285 |
| Memoranda: | ||
| Average total assets | $41,219,670 | 6,746 |
| Average earning assets | $37,631,000 | 6,734 |
| Average equity | $2,702,000 | 7,202 |
| Average total loans | $28,243,000 | 6,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 3,321 |
| Cost of funding earning assets | 0.7693% | 5,754 |
| Net interest margin | 4.1826% | 1,956 |
| Noninterest income to average assets | 0.4030% | 4,676 |
| Noninterest expense to average assets | 3.3815% | 2,326 |
| Loan and lease loss provision to assets | 0.1671% | 3,956 |
| Net operating income to assets | 0.4541% | 4,696 |
| Return on assets (ROA) | 0.4817% | 4,648 |
| Pretax return on assets | 0.6881% | 4,349 |
| Return on Equity (ROE) | 7.3436% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.3436% | 2,006 |
| Net charge-offs to loans | 0.7831% | 1,648 |
| Credit loss provision to net charge-offs | 31.4815% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.5370% | 3,562 |
| Efficiency ratio | 80.5621% | 2,430 |
| Assets per employee ($millions) | 2.4648% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 6,980 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.6954% | 3,309 |
| Net loans and leases to deposits | 69.2025% | 4,493 |
| Net loans and leases to core deposits | 70.6692% | 4,967 |
| Total domestic deposits to total assets | 93.4870% | 102 |
| Equity capital to assets | 6.3960% | 7,238 |
| Core capital (leverage) ratio | 5.7971% | 7,282 |
| Tier 1 risk-based capital ratio | 7.7979% | 7,309 |
| Total risk-based capital ratio | 9.0471% | 7,314 |
| Memoranda: | ||
| Average total assets | $40,692,000 | 6,809 |
| Average earning assets | $36,915,000 | 6,811 |
| Average equity | $2,669,000 | 7,247 |
| Average total loans | $27,583,500 | 6,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6796% | 1,643 |
| Cost of funding earning assets | 0.9516% | 5,927 |
| Net interest margin | 4.7279% | 770 |
| Noninterest income to average assets | 0.4685% | 4,390 |
| Noninterest expense to average assets | 5.1506% | 382 |
| Loan and lease loss provision to assets | 0.3025% | 4,387 |
| Net operating income to assets | -0.9718% | 6,663 |
| Return on assets (ROA) | -0.9343% | 6,678 |
| Pretax return on assets | -0.7576% | 6,491 |
| Return on Equity (ROE) | -11.6738% | 6,801 |
| Retained earnings to average equity (ytd only) | -11.6738% | 6,748 |
| Net charge-offs to loans | 0.0963% | 5,887 |
| Credit loss provision to net charge-offs | 434.6154% | 536 |
| Earnings coverage of net charge-offs (x) | -7.0769% | 6,786 |
| Efficiency ratio | 110.5747% | 524 |
| Assets per employee ($millions) | 2.3225% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 3,169 |
| Loan loss allowance to noncurrent loans | 630.6667% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,581 |
| Noncurrent loans to loans | 0.2715% | 6,521 |
| Net loans and leases to total assets | 68.7638% | 2,796 |
| Net loans and leases to deposits | 73.7932% | 4,231 |
| Net loans and leases to core deposits | 75.4544% | 4,797 |
| Total domestic deposits to total assets | 93.1844% | 132 |
| Equity capital to assets | 6.7320% | 7,197 |
| Core capital (leverage) ratio | 5.7371% | 7,340 |
| Tier 1 risk-based capital ratio | 7.8092% | 7,361 |
| Total risk-based capital ratio | 9.0801% | 7,365 |
| Memoranda: | ||
| Average total assets | $37,355,000 | 6,962 |
| Average earning assets | $33,101,200 | 6,979 |
| Average equity | $2,989,600 | 7,282 |
| Average total loans | $27,003,000 | 6,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7578% | 1,522 |
| Cost of funding earning assets | 0.9378% | 6,234 |
| Net interest margin | 4.8200% | 652 |
| Noninterest income to average assets | 0.4598% | 4,483 |
| Noninterest expense to average assets | 3.8815% | 1,229 |
| Loan and lease loss provision to assets | 0.1919% | 5,126 |
| Net operating income to assets | 0.4491% | 4,543 |
| Return on assets (ROA) | 0.4816% | 4,598 |
| Pretax return on assets | 0.6952% | 4,243 |
| Return on Equity (ROE) | 5.7715% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.7715% | 2,497 |
| Net charge-offs to loans | 0.2135% | 4,660 |
| Credit loss provision to net charge-offs | 123.2558% | 3,331 |
| Earnings coverage of net charge-offs (x) | 5.3956% | 2,754 |
| Efficiency ratio | 82.2086% | 2,038 |
| Assets per employee ($millions) | 2.2897% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,091 |
| Loan loss allowance to noncurrent loans | 1,584.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 7,184 |
| Noncurrent loans to loans | 0.0929% | 6,998 |
| Net loans and leases to total assets | 68.0848% | 3,189 |
| Net loans and leases to deposits | 74.1087% | 4,489 |
| Net loans and leases to core deposits | 74.1087% | 5,277 |
| Total domestic deposits to total assets | 91.8715% | 211 |
| Equity capital to assets | 7.9846% | 6,813 |
| Core capital (leverage) ratio | 7.2913% | 7,013 |
| Tier 1 risk-based capital ratio | 9.1355% | 7,339 |
| Total risk-based capital ratio | 10.3869% | 7,353 |
| Memoranda: | ||
| Average total assets | $36,823,000 | 7,064 |
| Average earning assets | $32,558,000 | 7,079 |
| Average equity | $3,072,500 | 7,347 |
| Average total loans | $26,848,000 | 6,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7997% | 1,430 |
| Cost of funding earning assets | 0.9405% | 6,424 |
| Net interest margin | 4.8592% | 589 |
| Noninterest income to average assets | 0.4762% | 4,308 |
| Noninterest expense to average assets | 3.9865% | 1,065 |
| Loan and lease loss provision to assets | 0.1938% | 4,940 |
| Net operating income to assets | 0.4081% | 4,720 |
| Return on assets (ROA) | 0.4429% | 4,727 |
| Pretax return on assets | 0.6367% | 4,446 |
| Return on Equity (ROE) | 5.2276% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.2276% | 2,758 |
| Net charge-offs to loans | 0.4174% | 3,324 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 2.5179% | 3,742 |
| Efficiency ratio | 83.6237% | 1,965 |
| Assets per employee ($millions) | 2.0302% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,750 |
| Loan loss allowance to noncurrent loans | 629.3103% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 6,989 |
| Noncurrent loans to loans | 0.2122% | 6,827 |
| Net loans and leases to total assets | 73.8097% | 1,949 |
| Net loans and leases to deposits | 80.7744% | 3,468 |
| Net loans and leases to core deposits | 80.7744% | 4,578 |
| Total domestic deposits to total assets | 91.3775% | 361 |
| Equity capital to assets | 8.4884% | 6,173 |
| Core capital (leverage) ratio | 7.4287% | 6,894 |
| Tier 1 risk-based capital ratio | 9.2599% | 7,353 |
| Total risk-based capital ratio | 10.5234% | 7,350 |
| Memoranda: | ||
| Average total assets | $36,122,330 | 7,142 |
| Average earning assets | $31,898,330 | 7,164 |
| Average equity | $3,060,670 | 7,399 |
| Average total loans | $26,831,330 | 6,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 1,394 |
| Cost of funding earning assets | 0.9367% | 6,628 |
| Net interest margin | 4.8858% | 535 |
| Noninterest income to average assets | 0.4678% | 4,320 |
| Noninterest expense to average assets | 4.0433% | 970 |
| Loan and lease loss provision to assets | 0.2116% | 4,393 |
| Net operating income to assets | 0.3575% | 5,037 |
| Return on assets (ROA) | 0.4121% | 4,929 |
| Pretax return on assets | 0.5903% | 4,647 |
| Return on Equity (ROE) | 4.8684% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.8684% | 3,230 |
| Net charge-offs to loans | 0.0452% | 4,961 |
| Credit loss provision to net charge-offs | 633.3333% | 687 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,117 |
| Efficiency ratio | 84.8131% | 1,929 |
| Assets per employee ($millions) | 2.0068% | 7,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,911 |
| Loan loss allowance to noncurrent loans | 609.0909% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 7,018 |
| Noncurrent loans to loans | 0.2463% | 6,850 |
| Net loans and leases to total assets | 73.0690% | 2,184 |
| Net loans and leases to deposits | 79.9310% | 3,667 |
| Net loans and leases to core deposits | 79.9310% | 4,771 |
| Total domestic deposits to total assets | 91.4152% | 396 |
| Equity capital to assets | 8.4685% | 6,046 |
| Core capital (leverage) ratio | 7.4676% | 6,883 |
| Tier 1 risk-based capital ratio | 9.2434% | 7,412 |
| Total risk-based capital ratio | 10.4968% | 7,408 |
| Memoranda: | ||
| Average total assets | $35,911,500 | 7,237 |
| Average earning assets | $31,601,500 | 7,263 |
| Average equity | $3,040,000 | 7,482 |
| Average total loans | $26,578,000 | 6,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9928% | 1,902 |
| Cost of funding earning assets | 1.0096% | 7,188 |
| Net interest margin | 4.9832% | 464 |
| Noninterest income to average assets | 0.5310% | 4,172 |
| Noninterest expense to average assets | 4.2679% | 1,021 |
| Loan and lease loss provision to assets | 0.3294% | 4,841 |
| Net operating income to assets | 0.2196% | 4,833 |
| Return on assets (ROA) | 0.3124% | 4,576 |
| Pretax return on assets | 0.4373% | 4,385 |
| Return on Equity (ROE) | 3.7074% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.7074% | 2,599 |
| Net charge-offs to loans | 0.0647% | 6,463 |
| Credit loss provision to net charge-offs | 773.3333% | 380 |
| Earnings coverage of net charge-offs (x) | 14.9333% | 1,341 |
| Efficiency ratio | 87.0295% | 1,990 |
| Assets per employee ($millions) | 1.8790% | 7,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 3,911 |
| Loan loss allowance to noncurrent loans | 507.8947% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 6,935 |
| Noncurrent loans to loans | 0.2883% | 6,705 |
| Net loans and leases to total assets | 72.7543% | 2,565 |
| Net loans and leases to deposits | 79.5796% | 4,073 |
| Net loans and leases to core deposits | 100.7564% | 3,927 |
| Total domestic deposits to total assets | 91.4232% | 400 |
| Equity capital to assets | 8.4619% | 5,949 |
| Core capital (leverage) ratio | 7.3194% | 6,966 |
| Tier 1 risk-based capital ratio | 9.2972% | 7,332 |
| Total risk-based capital ratio | 10.5480% | 7,327 |
| Memoranda: | ||
| Average total assets | $35,216,000 | 7,271 |
| Average earning assets | $30,903,600 | 7,317 |
| Average equity | $2,967,000 | 7,593 |
| Average total loans | $23,190,400 | 7,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0255% | 1,934 |
| Cost of funding earning assets | 1.0338% | 7,318 |
| Net interest margin | 4.9917% | 451 |
| Noninterest income to average assets | 0.5091% | 4,411 |
| Noninterest expense to average assets | 4.1069% | 1,134 |
| Loan and lease loss provision to assets | 0.3761% | 4,071 |
| Net operating income to assets | 0.2905% | 4,820 |
| Return on assets (ROA) | 0.4065% | 4,475 |
| Pretax return on assets | 0.5737% | 4,285 |
| Return on Equity (ROE) | 4.8302% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.8302% | 2,592 |
| Net charge-offs to loans | 0.0893% | 5,792 |
| Credit loss provision to net charge-offs | 660.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 13.7995% | 1,650 |
| Efficiency ratio | 83.9286% | 2,307 |
| Assets per employee ($millions) | 1.8333% | 7,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,715 |
| Loan loss allowance to noncurrent loans | 419.3182% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 6,878 |
| Noncurrent loans to loans | 0.3444% | 6,666 |
| Net loans and leases to total assets | 72.3071% | 2,955 |
| Net loans and leases to deposits | 79.2661% | 4,515 |
| Net loans and leases to core deposits | 98.0343% | 4,598 |
| Total domestic deposits to total assets | 91.2207% | 336 |
| Equity capital to assets | 8.6243% | 6,079 |
| Core capital (leverage) ratio | 6.9393% | 7,469 |
| Tier 1 risk-based capital ratio | 9.5060% | 7,367 |
| Total risk-based capital ratio | 10.7568% | 7,330 |
| Memoranda: | ||
| Average total assets | $35,094,750 | 7,332 |
| Average earning assets | $30,824,000 | 7,381 |
| Average equity | $2,953,500 | 7,674 |
| Average total loans | $22,398,000 | 7,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8984% | 2,586 |
| Cost of funding earning assets | 1.0241% | 7,503 |
| Net interest margin | 4.8743% | 569 |
| Noninterest income to average assets | 0.5003% | 4,441 |
| Noninterest expense to average assets | 3.9508% | 1,398 |
| Loan and lease loss provision to assets | 0.3695% | 3,706 |
| Net operating income to assets | 0.3203% | 4,811 |
| Return on assets (ROA) | 0.3809% | 4,684 |
| Pretax return on assets | 0.5400% | 4,496 |
| Return on Equity (ROE) | 4.5630% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.5630% | 2,754 |
| Net charge-offs to loans | 0.1593% | 4,605 |
| Credit loss provision to net charge-offs | 382.3529% | 1,213 |
| Earnings coverage of net charge-offs (x) | 8.5294% | 2,248 |
| Efficiency ratio | 82.7381% | 2,632 |
| Assets per employee ($millions) | 1.8929% | 7,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,513 |
| Loan loss allowance to noncurrent loans | 277.5000% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 6,625 |
| Noncurrent loans to loans | 0.5195% | 6,233 |
| Net loans and leases to total assets | 63.3032% | 5,121 |
| Net loans and leases to deposits | 73.1987% | 5,580 |
| Net loans and leases to core deposits | 89.8355% | 5,549 |
| Total domestic deposits to total assets | 86.4813% | 2,519 |
| Equity capital to assets | 8.2580% | 6,406 |
| Core capital (leverage) ratio | 7.3348% | 7,206 |
| Tier 1 risk-based capital ratio | 9.8988% | 7,041 |
| Total risk-based capital ratio | 11.1509% | 6,969 |
| Memoranda: | ||
| Average total assets | $35,182,330 | 7,398 |
| Average earning assets | $30,856,000 | 7,444 |
| Average equity | $2,936,670 | 7,745 |
| Average total loans | $21,345,670 | 7,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 3,333 |
| Cost of funding earning assets | 1.0694% | 7,565 |
| Net interest margin | 4.7263% | 729 |
| Noninterest income to average assets | 0.5059% | 4,275 |
| Noninterest expense to average assets | 3.6561% | 1,740 |
| Loan and lease loss provision to assets | 0.3449% | 3,256 |
| Net operating income to assets | 0.4323% | 4,732 |
| Return on assets (ROA) | 0.5289% | 4,485 |
| Pretax return on assets | 0.7588% | 4,223 |
| Return on Equity (ROE) | 6.3014% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.3014% | 2,500 |
| Net charge-offs to loans | -0.0586% | 7,745 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1045% | 2,979 |
| Assets per employee ($millions) | 1.9329% | 7,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,922 |
| Loan loss allowance to noncurrent loans | 244.6154% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,390 |
| Noncurrent loans to loans | 0.6176% | 5,852 |
| Net loans and leases to total assets | 59.5810% | 5,722 |
| Net loans and leases to deposits | 65.1928% | 6,447 |
| Net loans and leases to core deposits | 76.2833% | 6,657 |
| Total domestic deposits to total assets | 91.3919% | 298 |
| Equity capital to assets | 8.4672% | 6,123 |
| Core capital (leverage) ratio | 7.2441% | 7,433 |
| Tier 1 risk-based capital ratio | 10.6659% | 6,224 |
| Total risk-based capital ratio | 11.9167% | 6,131 |
| Memoranda: | ||
| Average total assets | $34,791,000 | 7,455 |
| Average earning assets | $30,298,500 | 7,502 |
| Average equity | $2,920,000 | 7,808 |
| Average total loans | $20,468,500 | 7,337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1801% | 4,618 |
| Cost of funding earning assets | 1.4596% | 7,669 |
| Net interest margin | 4.7204% | 934 |
| Noninterest income to average assets | 1.0378% | 1,462 |
| Noninterest expense to average assets | 4.1820% | 1,166 |
| Loan and lease loss provision to assets | 0.2825% | 4,132 |
| Net operating income to assets | 0.4145% | 5,097 |
| Return on assets (ROA) | 0.4145% | 4,909 |
| Pretax return on assets | 0.6049% | 4,677 |
| Return on Equity (ROE) | 4.7203% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.7203% | 2,194 |
| Net charge-offs to loans | 0.1136% | 5,127 |
| Credit loss provision to net charge-offs | 484.2105% | 908 |
| Earnings coverage of net charge-offs (x) | 15.2105% | 1,948 |
| Efficiency ratio | 82.4955% | 2,238 |
| Assets per employee ($millions) | 1.8310% | 8,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,016 |
| Loan loss allowance to noncurrent loans | 199.3007% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 5,988 |
| Noncurrent loans to loans | 0.7190% | 5,235 |
| Net loans and leases to total assets | 56.3511% | 6,391 |
| Net loans and leases to deposits | 61.5704% | 6,982 |
| Net loans and leases to core deposits | 70.9647% | 7,136 |
| Total domestic deposits to total assets | 91.5232% | 204 |
| Equity capital to assets | 8.3187% | 6,395 |
| Core capital (leverage) ratio | 6.9033% | 7,756 |
| Tier 1 risk-based capital ratio | 10.9077% | 5,803 |
| Total risk-based capital ratio | 12.1928% | 5,692 |
| Memoranda: | ||
| Average total assets | $32,568,200 | 7,531 |
| Average earning assets | $27,815,200 | 7,627 |
| Average equity | $2,860,000 | 7,877 |
| Average total loans | $16,729,200 | 7,536 |