Home > First State Bank of Mineral Wells > Performance and Condition Ratios
First State Bank of Mineral Wells, Performance and Condition Ratios
| 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 | 3.3968% | 5,917 |
| Cost of funding earning assets | 0.2408% | 6,236 |
| Net interest margin | 3.1561% | 5,104 |
| Noninterest income to average assets | 0.6120% | 3,122 |
| Noninterest expense to average assets | 2.4199% | 5,002 |
| Loan and lease loss provision to assets | 0.0062% | 4,715 |
| Net operating income to assets | 1.0231% | 2,226 |
| Return on assets (ROA) | 1.0231% | 2,350 |
| Pretax return on assets | 1.0231% | 3,404 |
| Return on Equity (ROE) | 10.1438% | 2,142 |
| Retained earnings to average equity (ytd only) | -1.4359% | 6,116 |
| Net charge-offs to loans | 0.0296% | 4,273 |
| Credit loss provision to net charge-offs | 44.4444% | 3,334 |
| Earnings coverage of net charge-offs (x) | 73.4444% | 612 |
| Efficiency ratio | 69.3905% | 3,939 |
| Assets per employee ($millions) | 5.1196% | 1,970 |
| Cash dividends to net income (ytd only)* | 114.1553% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,227 |
| Loan loss allowance to noncurrent loans | 985.7143% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 6,265 |
| Noncurrent loans to loans | 0.1170% | 6,040 |
| Net loans and leases to total assets | 46.2161% | 5,507 |
| Net loans and leases to deposits | 51.6399% | 5,715 |
| Net loans and leases to core deposits | 53.3131% | 5,802 |
| Total domestic deposits to total assets | 89.4968% | 1,328 |
| Equity capital to assets | 9.9781% | 3,942 |
| Core capital (leverage) ratio | 9.2939% | 4,550 |
| Tier 1 risk-based capital ratio | 20.8262% | 1,535 |
| Total risk-based capital ratio | 22.0342% | 1,515 |
| Memoranda: | ||
| Average total assets | $128,435,000 | 4,177 |
| Average earning assets | $115,460,000 | 4,220 |
| Average equity | $12,953,670 | 4,351 |
| Average total loans | $60,851,670 | 4,651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 5,809 |
| Cost of funding earning assets | 0.2465% | 6,312 |
| Net interest margin | 3.2144% | 4,874 |
| Noninterest income to average assets | 0.6653% | 2,787 |
| Noninterest expense to average assets | 2.5618% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9825% | 2,306 |
| Return on assets (ROA) | 0.9825% | 2,435 |
| Pretax return on assets | 0.9825% | 3,435 |
| Return on Equity (ROE) | 9.6895% | 2,199 |
| Retained earnings to average equity (ytd only) | 0.4906% | 5,629 |
| Net charge-offs to loans | 0.0326% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 63.2000% | 565 |
| Efficiency ratio | 71.4912% | 3,715 |
| Assets per employee ($millions) | 4.4730% | 3,022 |
| Cash dividends to net income (ytd only)* | 94.9367% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 45.8302% | 5,454 |
| Net loans and leases to deposits | 51.2376% | 5,688 |
| Net loans and leases to core deposits | 52.8745% | 5,758 |
| Total domestic deposits to total assets | 89.4463% | 1,387 |
| Equity capital to assets | 10.0549% | 4,075 |
| Core capital (leverage) ratio | 9.4493% | 4,165 |
| Tier 1 risk-based capital ratio | 21.0475% | 1,524 |
| Total risk-based capital ratio | 22.2599% | 1,506 |
| Memoranda: | ||
| Average total assets | $128,657,500 | 4,212 |
| Average earning assets | $115,231,500 | 4,262 |
| Average equity | $13,045,000 | 4,374 |
| Average total loans | $61,356,500 | 4,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 5,371 |
| Cost of funding earning assets | 0.3388% | 6,277 |
| Net interest margin | 3.6434% | 3,905 |
| Noninterest income to average assets | 1.2828% | 943 |
| Noninterest expense to average assets | 3.1033% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4319% | 1,044 |
| Return on assets (ROA) | 1.4435% | 1,140 |
| Pretax return on assets | 1.4435% | 1,880 |
| Return on Equity (ROE) | 13.7985% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.1745% | 1,066 |
| Net charge-offs to loans | 0.0250% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 356 |
| Efficiency ratio | 67.7873% | 4,188 |
| Assets per employee ($millions) | 4.3999% | 3,148 |
| Cash dividends to net income (ytd only)* | 40.7577% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.4949% | 5,361 |
| Net loans and leases to deposits | 54.2623% | 5,626 |
| Net loans and leases to core deposits | 56.2624% | 5,698 |
| Total domestic deposits to total assets | 89.3712% | 1,319 |
| Equity capital to assets | 10.2252% | 3,859 |
| Core capital (leverage) ratio | 9.6880% | 3,827 |
| Tier 1 risk-based capital ratio | 19.8512% | 1,717 |
| Total risk-based capital ratio | 21.0054% | 1,709 |
| Memoranda: | ||
| Average total assets | $120,676,400 | 4,349 |
| Average earning assets | $107,729,600 | 4,402 |
| Average equity | $12,624,600 | 4,437 |
| Average total loans | $64,094,000 | 4,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 5,313 |
| Cost of funding earning assets | 0.3570% | 6,349 |
| Net interest margin | 3.7062% | 3,769 |
| Noninterest income to average assets | 1.4751% | 688 |
| Noninterest expense to average assets | 3.1106% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6814% | 716 |
| Return on assets (ROA) | 1.6971% | 761 |
| Pretax return on assets | 1.6971% | 1,276 |
| Return on Equity (ROE) | 16.1245% | 731 |
| Retained earnings to average equity (ytd only) | 8.5627% | 1,389 |
| Net charge-offs to loans | 0.0414% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 74.9888% | 548 |
| Efficiency ratio | 64.3041% | 4,757 |
| Assets per employee ($millions) | 4.8387% | 2,391 |
| Cash dividends to net income (ytd only)* | 46.8954% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,599 |
| Loan loss allowance to noncurrent loans | 1,235.7143% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 6,646 |
| Noncurrent loans to loans | 0.0913% | 6,388 |
| Net loans and leases to total assets | 48.1849% | 5,526 |
| Net loans and leases to deposits | 54.0194% | 5,810 |
| Net loans and leases to core deposits | 56.0426% | 5,885 |
| Total domestic deposits to total assets | 89.1992% | 1,315 |
| Equity capital to assets | 10.2261% | 4,171 |
| Core capital (leverage) ratio | 9.4510% | 4,353 |
| Tier 1 risk-based capital ratio | 19.6229% | 1,846 |
| Total risk-based capital ratio | 20.7818% | 1,847 |
| Memoranda: | ||
| Average total assets | $118,946,250 | 4,425 |
| Average earning assets | $106,450,750 | 4,479 |
| Average equity | $12,519,000 | 4,499 |
| Average total loans | $64,474,250 | 4,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 4,931 |
| Cost of funding earning assets | 0.3673% | 6,433 |
| Net interest margin | 3.8383% | 3,187 |
| Noninterest income to average assets | 1.4898% | 656 |
| Noninterest expense to average assets | 3.2128% | 2,547 |
| Loan and lease loss provision to assets | 0.0069% | 5,571 |
| Net operating income to assets | 1.6921% | 684 |
| Return on assets (ROA) | 1.7161% | 730 |
| Pretax return on assets | 1.7161% | 1,215 |
| Return on Equity (ROE) | 16.1404% | 752 |
| Retained earnings to average equity (ytd only) | 11.1419% | 722 |
| Net charge-offs to loans | 0.0580% | 4,606 |
| Credit loss provision to net charge-offs | 21.0526% | 4,586 |
| Earnings coverage of net charge-offs (x) | 52.1579% | 703 |
| Efficiency ratio | 64.8168% | 4,747 |
| Assets per employee ($millions) | 3.9546% | 3,973 |
| Cash dividends to net income (ytd only)* | 30.9690% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,800 |
| Loan loss allowance to noncurrent loans | 307.9646% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 6,329 |
| Noncurrent loans to loans | 0.3553% | 5,834 |
| Net loans and leases to total assets | 51.3149% | 5,183 |
| Net loans and leases to deposits | 57.6081% | 5,496 |
| Net loans and leases to core deposits | 59.9689% | 5,590 |
| Total domestic deposits to total assets | 89.0760% | 1,462 |
| Equity capital to assets | 10.3710% | 3,846 |
| Core capital (leverage) ratio | 9.7168% | 3,806 |
| Tier 1 risk-based capital ratio | 18.3503% | 2,178 |
| Total risk-based capital ratio | 19.4518% | 2,201 |
| Memoranda: | ||
| Average total assets | $116,660,000 | 4,489 |
| Average earning assets | $104,004,670 | 4,572 |
| Average equity | $12,403,670 | 4,525 |
| Average total loans | $65,528,670 | 4,582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 4,347 |
| Cost of funding earning assets | 0.3646% | 6,578 |
| Net interest margin | 4.0342% | 2,357 |
| Noninterest income to average assets | 1.8752% | 457 |
| Noninterest expense to average assets | 3.4232% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0335% | 393 |
| Return on assets (ROA) | 2.0793% | 420 |
| Pretax return on assets | 2.0793% | 655 |
| Return on Equity (ROE) | 19.3003% | 427 |
| Retained earnings to average equity (ytd only) | 14.4018% | 523 |
| Net charge-offs to loans | 0.0842% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 729 |
| Efficiency ratio | 62.1534% | 5,256 |
| Assets per employee ($millions) | 3.5825% | 4,929 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,031 |
| Loan loss allowance to noncurrent loans | 905.1948% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 6,726 |
| Noncurrent loans to loans | 0.1174% | 6,461 |
| Net loans and leases to total assets | 54.8844% | 4,572 |
| Net loans and leases to deposits | 61.6940% | 4,963 |
| Net loans and leases to core deposits | 64.2378% | 5,083 |
| Total domestic deposits to total assets | 88.9624% | 1,717 |
| Equity capital to assets | 10.5140% | 3,472 |
| Core capital (leverage) ratio | 10.0975% | 3,240 |
| Tier 1 risk-based capital ratio | 17.2855% | 2,563 |
| Total risk-based capital ratio | 18.3483% | 2,608 |
| Memoranda: | ||
| Average total assets | $113,694,000 | 4,604 |
| Average earning assets | $100,937,500 | 4,675 |
| Average equity | $12,248,500 | 4,566 |
| Average total loans | $66,491,000 | 4,567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 3,241 |
| Cost of funding earning assets | 0.4724% | 6,646 |
| Net interest margin | 4.4518% | 1,261 |
| Noninterest income to average assets | 1.0789% | 1,146 |
| Noninterest expense to average assets | 3.6370% | 1,670 |
| Loan and lease loss provision to assets | 0.1260% | 5,035 |
| Net operating income to assets | 1.2634% | 1,339 |
| Return on assets (ROA) | 1.2634% | 1,441 |
| Pretax return on assets | 1.2634% | 2,260 |
| Return on Equity (ROE) | 11.4339% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.0159% | 1,497 |
| Net charge-offs to loans | 0.1273% | 5,122 |
| Credit loss provision to net charge-offs | 163.2911% | 1,677 |
| Earnings coverage of net charge-offs (x) | 18.0127% | 1,239 |
| Efficiency ratio | 71.7366% | 3,629 |
| Assets per employee ($millions) | 3.5215% | 4,968 |
| Cash dividends to net income (ytd only)* | 38.6399% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,979 |
| Loan loss allowance to noncurrent loans | 1,292.7273% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 6,768 |
| Noncurrent loans to loans | 0.0816% | 6,604 |
| Net loans and leases to total assets | 61.0892% | 3,761 |
| Net loans and leases to deposits | 69.0616% | 4,265 |
| Net loans and leases to core deposits | 72.1693% | 4,502 |
| Total domestic deposits to total assets | 88.4560% | 1,875 |
| Equity capital to assets | 11.0539% | 2,935 |
| Core capital (leverage) ratio | 9.8608% | 3,504 |
| Tier 1 risk-based capital ratio | 15.7018% | 3,212 |
| Total risk-based capital ratio | 16.7283% | 3,299 |
| Memoranda: | ||
| Average total assets | $102,419,800 | 4,837 |
| Average earning assets | $90,816,600 | 4,900 |
| Average equity | $11,317,200 | 4,711 |
| Average total loans | $62,078,800 | 4,789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 3,323 |
| Cost of funding earning assets | 0.4976% | 6,700 |
| Net interest margin | 4.4531% | 1,270 |
| Noninterest income to average assets | 1.1423% | 1,011 |
| Noninterest expense to average assets | 3.6902% | 1,516 |
| Loan and lease loss provision to assets | 0.1575% | 4,498 |
| Net operating income to assets | 1.2508% | 1,516 |
| Return on assets (ROA) | 1.2508% | 1,616 |
| Pretax return on assets | 1.2508% | 2,454 |
| Return on Equity (ROE) | 11.3207% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.1278% | 1,900 |
| Net charge-offs to loans | 0.1273% | 4,770 |
| Credit loss provision to net charge-offs | 205.1724% | 1,427 |
| Earnings coverage of net charge-offs (x) | 18.3451% | 1,307 |
| Efficiency ratio | 71.8069% | 3,589 |
| Assets per employee ($millions) | 3.5702% | 4,824 |
| Cash dividends to net income (ytd only)* | 37.0374% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,995 |
| Loan loss allowance to noncurrent loans | 1,093.9394% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 6,899 |
| Noncurrent loans to loans | 0.0977% | 6,685 |
| Net loans and leases to total assets | 60.4015% | 4,057 |
| Net loans and leases to deposits | 68.1837% | 4,571 |
| Net loans and leases to core deposits | 71.1981% | 4,819 |
| Total domestic deposits to total assets | 88.5865% | 1,703 |
| Equity capital to assets | 10.7060% | 3,463 |
| Core capital (leverage) ratio | 9.8325% | 3,669 |
| Tier 1 risk-based capital ratio | 15.6611% | 3,302 |
| Total risk-based capital ratio | 16.7202% | 3,375 |
| Memoranda: | ||
| Average total assets | $100,733,500 | 4,907 |
| Average earning assets | $89,493,500 | 4,966 |
| Average equity | $11,129,750 | 4,772 |
| Average total loans | $60,748,750 | 4,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 3,325 |
| Cost of funding earning assets | 0.5305% | 6,742 |
| Net interest margin | 4.4361% | 1,279 |
| Noninterest income to average assets | 1.2154% | 860 |
| Noninterest expense to average assets | 3.8432% | 1,287 |
| Loan and lease loss provision to assets | 0.1663% | 4,270 |
| Net operating income to assets | 1.1374% | 1,766 |
| Return on assets (ROA) | 1.1374% | 1,834 |
| Pretax return on assets | 1.1374% | 2,704 |
| Return on Equity (ROE) | 10.1745% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.0422% | 2,405 |
| Net charge-offs to loans | 0.1471% | 4,308 |
| Credit loss provision to net charge-offs | 188.3721% | 1,603 |
| Earnings coverage of net charge-offs (x) | 14.7674% | 1,458 |
| Efficiency ratio | 74.1923% | 3,329 |
| Assets per employee ($millions) | 3.3238% | 5,379 |
| Cash dividends to net income (ytd only)* | 40.6137% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 6,143 |
| Loan loss allowance to noncurrent loans | 217.7570% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 6,377 |
| Noncurrent loans to loans | 0.4823% | 5,939 |
| Net loans and leases to total assets | 61.9169% | 3,902 |
| Net loans and leases to deposits | 69.9175% | 4,451 |
| Net loans and leases to core deposits | 72.9351% | 4,716 |
| Total domestic deposits to total assets | 88.5570% | 1,813 |
| Equity capital to assets | 10.7792% | 3,197 |
| Core capital (leverage) ratio | 10.1193% | 3,120 |
| Tier 1 risk-based capital ratio | 15.3468% | 3,328 |
| Total risk-based capital ratio | 16.3782% | 3,400 |
| Memoranda: | ||
| Average total assets | $97,419,330 | 5,037 |
| Average earning assets | $86,336,670 | 5,118 |
| Average equity | $10,890,000 | 4,828 |
| Average total loans | $58,474,330 | 5,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 2,772 |
| Cost of funding earning assets | 0.5914% | 6,640 |
| Net interest margin | 4.4794% | 1,116 |
| Noninterest income to average assets | 1.3470% | 711 |
| Noninterest expense to average assets | 4.1141% | 904 |
| Loan and lease loss provision to assets | 0.2582% | 3,077 |
| Net operating income to assets | 0.9511% | 2,349 |
| Return on assets (ROA) | 0.9511% | 2,416 |
| Pretax return on assets | 0.9511% | 3,313 |
| Return on Equity (ROE) | 8.3377% | 2,766 |
| Retained earnings to average equity (ytd only) | 4.5650% | 3,440 |
| Net charge-offs to loans | 0.0514% | 4,422 |
| Credit loss provision to net charge-offs | 857.1429% | 446 |
| Earnings coverage of net charge-offs (x) | 40.1429% | 683 |
| Efficiency ratio | 77.0412% | 2,979 |
| Assets per employee ($millions) | 3.3851% | 5,287 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 5,864 |
| Loan loss allowance to noncurrent loans | 134.4633% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 5,932 |
| Noncurrent loans to loans | 0.8527% | 5,339 |
| Net loans and leases to total assets | 60.6166% | 4,150 |
| Net loans and leases to deposits | 68.5822% | 4,599 |
| Net loans and leases to core deposits | 71.9674% | 4,789 |
| Total domestic deposits to total assets | 88.3854% | 2,153 |
| Equity capital to assets | 11.0149% | 2,672 |
| Core capital (leverage) ratio | 10.4201% | 2,685 |
| Tier 1 risk-based capital ratio | 15.9802% | 2,906 |
| Total risk-based capital ratio | 17.1005% | 2,943 |
| Memoranda: | ||
| Average total assets | $92,948,000 | 5,209 |
| Average earning assets | $82,511,500 | 5,289 |
| Average equity | $10,602,500 | 4,892 |
| Average total loans | $54,434,000 | 5,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 4,676 |
| Cost of funding earning assets | 0.7203% | 6,825 |
| Net interest margin | 4.2543% | 1,981 |
| Noninterest income to average assets | 0.9360% | 1,720 |
| Noninterest expense to average assets | 3.4240% | 2,369 |
| Loan and lease loss provision to assets | 0.1187% | 5,970 |
| Net operating income to assets | 1.2534% | 1,284 |
| Return on assets (ROA) | 1.2534% | 1,357 |
| Pretax return on assets | 1.2534% | 2,069 |
| Return on Equity (ROE) | 10.2531% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.9086% | 1,872 |
| Net charge-offs to loans | 0.1413% | 5,510 |
| Credit loss provision to net charge-offs | 135.7143% | 2,851 |
| Earnings coverage of net charge-offs (x) | 15.6857% | 1,265 |
| Efficiency ratio | 71.3913% | 3,912 |
| Assets per employee ($millions) | 3.5143% | 4,903 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 4,430 |
| Loan loss allowance to noncurrent loans | 77.0396% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 4,969 |
| Noncurrent loans to loans | 1.8414% | 3,762 |
| Net loans and leases to total assets | 54.4621% | 5,577 |
| Net loans and leases to deposits | 62.3346% | 5,815 |
| Net loans and leases to core deposits | 64.9690% | 5,984 |
| Total domestic deposits to total assets | 87.3706% | 2,629 |
| Equity capital to assets | 11.8789% | 1,985 |
| Core capital (leverage) ratio | 11.9181% | 1,607 |
| Tier 1 risk-based capital ratio | 21.2489% | 1,283 |
| Total risk-based capital ratio | 22.5003% | 1,259 |
| Memoranda: | ||
| Average total assets | $80,022,200 | 5,592 |
| Average earning assets | $72,608,800 | 5,580 |
| Average equity | $9,782,400 | 5,191 |
| Average total loans | $49,536,400 | 5,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 4,433 |
| Cost of funding earning assets | 0.7447% | 6,933 |
| Net interest margin | 4.3344% | 1,733 |
| Noninterest income to average assets | 0.9441% | 1,635 |
| Noninterest expense to average assets | 3.4185% | 2,241 |
| Loan and lease loss provision to assets | 0.1604% | 5,433 |
| Net operating income to assets | 1.2971% | 1,344 |
| Return on assets (ROA) | 1.2971% | 1,414 |
| Pretax return on assets | 1.2971% | 2,177 |
| Return on Equity (ROE) | 10.5311% | 1,923 |
| Retained earnings to average equity (ytd only) | 4.7034% | 3,189 |
| Net charge-offs to loans | 0.1247% | 5,305 |
| Credit loss provision to net charge-offs | 202.1277% | 1,763 |
| Earnings coverage of net charge-offs (x) | 18.3603% | 1,268 |
| Efficiency ratio | 70.1074% | 4,043 |
| Assets per employee ($millions) | 3.3865% | 5,238 |
| Cash dividends to net income (ytd only)* | 55.3385% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 4,373 |
| Loan loss allowance to noncurrent loans | 409.5808% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 6,853 |
| Noncurrent loans to loans | 0.3454% | 6,505 |
| Net loans and leases to total assets | 58.6513% | 5,159 |
| Net loans and leases to deposits | 67.4639% | 5,494 |
| Net loans and leases to core deposits | 70.1133% | 5,737 |
| Total domestic deposits to total assets | 86.9373% | 2,569 |
| Equity capital to assets | 12.2396% | 2,014 |
| Core capital (leverage) ratio | 12.0243% | 1,656 |
| Tier 1 risk-based capital ratio | 20.0816% | 1,530 |
| Total risk-based capital ratio | 21.3345% | 1,498 |
| Memoranda: | ||
| Average total assets | $78,942,000 | 5,692 |
| Average earning assets | $71,611,000 | 5,680 |
| Average equity | $9,723,250 | 5,280 |
| Average total loans | $50,271,500 | 5,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 4,199 |
| Cost of funding earning assets | 0.7682% | 7,012 |
| Net interest margin | 4.3803% | 1,506 |
| Noninterest income to average assets | 0.9723% | 1,453 |
| Noninterest expense to average assets | 3.4645% | 2,114 |
| Loan and lease loss provision to assets | 0.2431% | 4,489 |
| Net operating income to assets | 1.2333% | 1,472 |
| Return on assets (ROA) | 1.2333% | 1,536 |
| Pretax return on assets | 1.2333% | 2,311 |
| Return on Equity (ROE) | 9.9914% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.2544% | 4,028 |
| Net charge-offs to loans | 0.0904% | 5,235 |
| Credit loss provision to net charge-offs | 413.0435% | 882 |
| Earnings coverage of net charge-offs (x) | 25.0870% | 1,046 |
| Efficiency ratio | 70.1191% | 4,173 |
| Assets per employee ($millions) | 3.1529% | 5,782 |
| Cash dividends to net income (ytd only)* | 67.4274% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 4,364 |
| Loan loss allowance to noncurrent loans | 91.7098% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 5,180 |
| Noncurrent loans to loans | 1.5405% | 4,399 |
| Net loans and leases to total assets | 62.6771% | 4,539 |
| Net loans and leases to deposits | 72.3317% | 4,938 |
| Net loans and leases to core deposits | 75.2628% | 5,288 |
| Total domestic deposits to total assets | 86.6524% | 2,729 |
| Equity capital to assets | 12.3022% | 1,926 |
| Core capital (leverage) ratio | 11.8901% | 1,709 |
| Tier 1 risk-based capital ratio | 17.6755% | 2,045 |
| Total risk-based capital ratio | 18.9262% | 2,017 |
| Memoranda: | ||
| Average total assets | $78,163,670 | 5,752 |
| Average earning assets | $70,816,330 | 5,745 |
| Average equity | $9,648,330 | 5,300 |
| Average total loans | $50,910,670 | 5,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,890 |
| Cost of funding earning assets | 0.7450% | 7,242 |
| Net interest margin | 4.4816% | 1,184 |
| Noninterest income to average assets | 0.9764% | 1,372 |
| Noninterest expense to average assets | 3.4998% | 1,984 |
| Loan and lease loss provision to assets | 0.3854% | 3,052 |
| Net operating income to assets | 1.1409% | 1,701 |
| Return on assets (ROA) | 1.1409% | 1,779 |
| Pretax return on assets | 1.1409% | 2,584 |
| Return on Equity (ROE) | 9.2269% | 2,417 |
| Retained earnings to average equity (ytd only) | 2.9925% | 4,333 |
| Net charge-offs to loans | -0.0312% | 7,208 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6319% | 4,390 |
| Assets per employee ($millions) | 3.2988% | 5,543 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,399 |
| Loan loss allowance to noncurrent loans | 62.7193% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 4,347 |
| Noncurrent loans to loans | 2.2404% | 3,471 |
| Net loans and leases to total assets | 63.3679% | 4,457 |
| Net loans and leases to deposits | 72.7794% | 4,951 |
| Net loans and leases to core deposits | 76.2771% | 5,219 |
| Total domestic deposits to total assets | 87.0685% | 2,597 |
| Equity capital to assets | 12.1939% | 1,937 |
| Core capital (leverage) ratio | 12.0389% | 1,636 |
| Tier 1 risk-based capital ratio | 17.4534% | 2,092 |
| Total risk-based capital ratio | 18.7049% | 2,063 |
| Memoranda: | ||
| Average total assets | $77,834,000 | 5,826 |
| Average earning assets | $70,332,000 | 5,837 |
| Average equity | $9,624,000 | 5,340 |
| Average total loans | $51,310,000 | 5,619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,070 |
| Cost of funding earning assets | 0.8475% | 7,489 |
| Net interest margin | 4.8592% | 612 |
| Noninterest income to average assets | 0.9578% | 1,713 |
| Noninterest expense to average assets | 3.7671% | 1,757 |
| Loan and lease loss provision to assets | 0.4039% | 4,393 |
| Net operating income to assets | 1.0065% | 1,817 |
| Return on assets (ROA) | 1.0360% | 1,760 |
| Pretax return on assets | 1.0360% | 2,474 |
| Return on Equity (ROE) | 9.4221% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.2153% | 1,265 |
| Net charge-offs to loans | 0.2102% | 5,311 |
| Credit loss provision to net charge-offs | 302.8846% | 1,091 |
| Earnings coverage of net charge-offs (x) | 10.5769% | 1,671 |
| Efficiency ratio | 72.7588% | 4,138 |
| Assets per employee ($millions) | 2.9422% | 6,363 |
| Cash dividends to net income (ytd only)* | 34.0347% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,181 |
| Loan loss allowance to noncurrent loans | 683.8710% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 7,175 |
| Noncurrent loans to loans | 0.1798% | 6,972 |
| Net loans and leases to total assets | 66.8000% | 3,970 |
| Net loans and leases to deposits | 76.9984% | 4,564 |
| Net loans and leases to core deposits | 93.1089% | 4,768 |
| Total domestic deposits to total assets | 86.7550% | 2,629 |
| Equity capital to assets | 12.5417% | 1,729 |
| Core capital (leverage) ratio | 12.0328% | 1,653 |
| Tier 1 risk-based capital ratio | 16.3724% | 2,365 |
| Total risk-based capital ratio | 17.4854% | 2,364 |
| Memoranda: | ||
| Average total assets | $77,990,400 | 5,784 |
| Average earning assets | $67,726,600 | 5,880 |
| Average equity | $8,575,600 | 5,740 |
| Average total loans | $49,488,000 | 5,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 3,288 |
| Cost of funding earning assets | 0.8737% | 7,601 |
| Net interest margin | 4.8372% | 642 |
| Noninterest income to average assets | 0.8899% | 2,025 |
| Noninterest expense to average assets | 3.7227% | 1,766 |
| Loan and lease loss provision to assets | 0.2960% | 4,605 |
| Net operating income to assets | 1.0345% | 1,952 |
| Return on assets (ROA) | 1.0379% | 2,004 |
| Pretax return on assets | 1.0379% | 2,781 |
| Return on Equity (ROE) | 9.7742% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.9702% | 1,519 |
| Net charge-offs to loans | 0.1172% | 5,520 |
| Credit loss provision to net charge-offs | 404.6512% | 980 |
| Earnings coverage of net charge-offs (x) | 18.1866% | 1,362 |
| Efficiency ratio | 73.6700% | 3,926 |
| Assets per employee ($millions) | 2.6976% | 6,855 |
| Cash dividends to net income (ytd only)* | 28.6889% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,729 |
| Loan loss allowance to noncurrent loans | 567.3469% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 7,233 |
| Noncurrent loans to loans | 0.1937% | 7,014 |
| Net loans and leases to total assets | 63.9461% | 4,882 |
| Net loans and leases to deposits | 72.4884% | 5,579 |
| Net loans and leases to core deposits | 86.3095% | 5,832 |
| Total domestic deposits to total assets | 88.2155% | 1,553 |
| Equity capital to assets | 10.9229% | 3,087 |
| Core capital (leverage) ratio | 10.5654% | 2,743 |
| Tier 1 risk-based capital ratio | 14.8893% | 3,097 |
| Total risk-based capital ratio | 15.8919% | 3,153 |
| Memoranda: | ||
| Average total assets | $78,363,750 | 5,816 |
| Average earning assets | $67,448,500 | 5,924 |
| Average equity | $8,321,000 | 5,883 |
| Average total loans | $48,926,000 | 5,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6999% | 3,536 |
| Cost of funding earning assets | 0.9236% | 7,666 |
| Net interest margin | 4.7763% | 688 |
| Noninterest income to average assets | 0.7219% | 2,856 |
| Noninterest expense to average assets | 3.5022% | 2,330 |
| Loan and lease loss provision to assets | 0.2015% | 5,042 |
| Net operating income to assets | 1.0943% | 1,789 |
| Return on assets (ROA) | 1.0943% | 1,865 |
| Pretax return on assets | 1.0943% | 2,662 |
| Return on Equity (ROE) | 10.4046% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.9793% | 1,214 |
| Net charge-offs to loans | -0.0496% | 7,850 |
| Credit loss provision to net charge-offs | -658.3333% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9931% | 4,198 |
| Assets per employee ($millions) | 2.5147% | 7,223 |
| Cash dividends to net income (ytd only)* | 23.3100% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,253 |
| Loan loss allowance to noncurrent loans | 281.9672% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 6,911 |
| Noncurrent loans to loans | 0.3544% | 6,624 |
| Net loans and leases to total assets | 65.5750% | 4,653 |
| Net loans and leases to deposits | 74.1005% | 5,437 |
| Net loans and leases to core deposits | 85.4676% | 5,970 |
| Total domestic deposits to total assets | 88.4946% | 1,530 |
| Equity capital to assets | 10.7036% | 3,203 |
| Core capital (leverage) ratio | 10.4153% | 2,889 |
| Tier 1 risk-based capital ratio | 14.3123% | 3,350 |
| Total risk-based capital ratio | 15.2185% | 3,474 |
| Memoranda: | ||
| Average total assets | $78,408,330 | 5,848 |
| Average earning assets | $66,913,330 | 5,979 |
| Average equity | $8,246,330 | 5,937 |
| Average total loans | $48,374,330 | 5,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7744% | 3,419 |
| Cost of funding earning assets | 1.0261% | 7,634 |
| Net interest margin | 4.7482% | 690 |
| Noninterest income to average assets | 0.8851% | 1,909 |
| Noninterest expense to average assets | 3.6116% | 1,844 |
| Loan and lease loss provision to assets | 0.2035% | 4,411 |
| Net operating income to assets | 1.0479% | 2,138 |
| Return on assets (ROA) | 1.0479% | 2,271 |
| Pretax return on assets | 1.0479% | 3,179 |
| Return on Equity (ROE) | 10.0518% | 2,294 |
| Retained earnings to average equity (ytd only) | 10.0518% | 1,178 |
| Net charge-offs to loans | -0.0428% | 7,654 |
| Credit loss provision to net charge-offs | -800.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2678% | 3,779 |
| Assets per employee ($millions) | 2.5135% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,255 |
| Loan loss allowance to noncurrent loans | 162.0690% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 6,426 |
| Noncurrent loans to loans | 0.6114% | 5,872 |
| Net loans and leases to total assets | 58.3852% | 5,881 |
| Net loans and leases to deposits | 65.6862% | 6,402 |
| Net loans and leases to core deposits | 75.9973% | 6,678 |
| Total domestic deposits to total assets | 88.8852% | 1,279 |
| Equity capital to assets | 10.3279% | 3,627 |
| Core capital (leverage) ratio | 10.2832% | 3,129 |
| Tier 1 risk-based capital ratio | 14.7596% | 3,176 |
| Total risk-based capital ratio | 15.6238% | 3,302 |
| Memoranda: | ||
| Average total assets | $78,635,000 | 5,868 |
| Average earning assets | $65,877,500 | 6,042 |
| Average equity | $8,197,500 | 5,989 |
| Average total loans | $46,744,000 | 5,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1188% | 4,947 |
| Cost of funding earning assets | 1.2397% | 7,900 |
| Net interest margin | 4.8792% | 656 |
| Noninterest income to average assets | 0.9531% | 1,755 |
| Noninterest expense to average assets | 3.7406% | 1,874 |
| Loan and lease loss provision to assets | 0.2246% | 4,642 |
| Net operating income to assets | 1.2309% | 1,682 |
| Return on assets (ROA) | 1.2309% | 1,626 |
| Pretax return on assets | 1.2309% | 2,549 |
| Return on Equity (ROE) | 11.5753% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.3876% | 3,044 |
| Net charge-offs to loans | 0.2373% | 3,874 |
| Credit loss provision to net charge-offs | 181.7204% | 2,758 |
| Earnings coverage of net charge-offs (x) | 11.7742% | 2,335 |
| Efficiency ratio | 71.9877% | 3,941 |
| Assets per employee ($millions) | 2.3284% | 7,517 |
| Cash dividends to net income (ytd only)* | 70.7343% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 6,545 |
| Loan loss allowance to noncurrent loans | 133.6478% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 5,980 |
| Noncurrent loans to loans | 0.6904% | 5,314 |
| Net loans and leases to total assets | 59.3881% | 6,000 |
| Net loans and leases to deposits | 66.9651% | 6,567 |
| Net loans and leases to core deposits | 78.8921% | 6,696 |
| Total domestic deposits to total assets | 88.6851% | 1,161 |
| Equity capital to assets | 10.5262% | 3,469 |
| Core capital (leverage) ratio | 10.1478% | 3,320 |
| Tier 1 risk-based capital ratio | 13.2910% | 3,936 |
| Total risk-based capital ratio | 14.0133% | 4,171 |
| Memoranda: | ||
| Average total assets | $75,228,200 | 5,868 |
| Average earning assets | $65,421,000 | 5,982 |
| Average equity | $7,999,800 | 6,088 |
| Average total loans | $39,189,200 | 6,211 |