Home > First State Bank of Murdock > Performance and Condition Ratios
First State Bank of Murdock, Performance and Condition Ratios
| 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 | 3.3200% | 6,115 |
| Cost of funding earning assets | 0.1703% | 6,728 |
| Net interest margin | 3.1498% | 5,092 |
| Noninterest income to average assets | 0.5512% | 3,435 |
| Noninterest expense to average assets | 3.2337% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0367% | 6,284 |
| Return on assets (ROA) | 0.0367% | 6,367 |
| Pretax return on assets | 0.0367% | 6,362 |
| Return on Equity (ROE) | 0.3990% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.3990% | 5,662 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8764% | 593 |
| Assets per employee ($millions) | 2.7823% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,303 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 5.6609% | 598 |
| Noncurrent loans to loans | 0.9249% | 4,286 |
| Net loans and leases to total assets | 38.3233% | 6,130 |
| Net loans and leases to deposits | 42.1484% | 6,308 |
| Net loans and leases to core deposits | 42.1484% | 6,398 |
| Total domestic deposits to total assets | 90.9246% | 554 |
| Equity capital to assets | 9.0215% | 5,460 |
| Core capital (leverage) ratio | 8.4652% | 5,635 |
| Tier 1 risk-based capital ratio | 14.9333% | 3,890 |
| Total risk-based capital ratio | 15.8745% | 4,051 |
| Memoranda: | ||
| Average total assets | $10,885,500 | 6,996 |
| Average earning assets | $9,397,500 | 6,982 |
| Average equity | $1,002,500 | 6,997 |
| Average total loans | $4,715,000 | 6,939 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3656% | 7,066 |
| Cost of funding earning assets | 0.0236% | 7,051 |
| Net interest margin | 0.3420% | 7,062 |
| Noninterest income to average assets | 0.0597% | 6,658 |
| Noninterest expense to average assets | 0.2388% | 7,068 |
| Loan and lease loss provision to assets | 0.5969% | 926 |
| Net operating income to assets | -0.4875% | 6,558 |
| Return on assets (ROA) | -0.4875% | 6,601 |
| Pretax return on assets | -0.4875% | 6,564 |
| Return on Equity (ROE) | -5.4300% | 6,610 |
| Retained earnings to average equity (ytd only) | -5.4300% | 6,455 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5714% | 4,040 |
| Assets per employee ($millions) | 2.6605% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,234 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 5.9105% | 592 |
| Noncurrent loans to loans | 0.7640% | 4,657 |
| Net loans and leases to total assets | 47.4065% | 5,469 |
| Net loans and leases to deposits | 52.3666% | 5,779 |
| Net loans and leases to core deposits | 52.3666% | 5,992 |
| Total domestic deposits to total assets | 90.5281% | 692 |
| Equity capital to assets | 9.4061% | 4,991 |
| Core capital (leverage) ratio | 9.0848% | 4,758 |
| Tier 1 risk-based capital ratio | 14.8016% | 3,833 |
| Total risk-based capital ratio | 15.7354% | 3,992 |
| Memoranda: | ||
| Average total assets | $10,052,200 | 7,066 |
| Average earning assets | $8,478,400 | 7,054 |
| Average equity | $902,400 | 7,068 |
| Average total loans | $4,796,200 | 7,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 3,460 |
| Cost of funding earning assets | 0.2879% | 6,667 |
| Net interest margin | 4.2543% | 1,588 |
| Noninterest income to average assets | 0.6192% | 3,159 |
| Noninterest expense to average assets | 4.0922% | 837 |
| Loan and lease loss provision to assets | 0.0673% | 4,843 |
| Net operating income to assets | 0.0404% | 6,220 |
| Return on assets (ROA) | 0.0404% | 6,357 |
| Pretax return on assets | 0.0404% | 6,351 |
| Return on Equity (ROE) | 0.4557% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.4557% | 5,955 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4359% | 622 |
| Assets per employee ($millions) | 2.1380% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,785 |
| Loan loss allowance to noncurrent loans | 139.0244% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 6.5949% | 562 |
| Noncurrent loans to loans | 0.7798% | 4,851 |
| Net loans and leases to total assets | 48.6529% | 5,471 |
| Net loans and leases to deposits | 53.1256% | 5,882 |
| Net loans and leases to core deposits | 53.1256% | 6,107 |
| Total domestic deposits to total assets | 91.5809% | 273 |
| Equity capital to assets | 8.2881% | 6,423 |
| Core capital (leverage) ratio | 9.0627% | 4,973 |
| Tier 1 risk-based capital ratio | 13.8898% | 4,620 |
| Total risk-based capital ratio | 14.7925% | 4,814 |
| Memoranda: | ||
| Average total assets | $9,904,750 | 7,164 |
| Average earning assets | $8,336,500 | 7,153 |
| Average equity | $877,750 | 7,167 |
| Average total loans | $4,719,000 | 7,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 4,287 |
| Cost of funding earning assets | 0.2949% | 6,759 |
| Net interest margin | 4.0791% | 2,172 |
| Noninterest income to average assets | 0.6637% | 2,878 |
| Noninterest expense to average assets | 4.2103% | 721 |
| Loan and lease loss provision to assets | -0.0207% | 7,045 |
| Net operating income to assets | -0.0830% | 6,417 |
| Return on assets (ROA) | -0.0830% | 6,528 |
| Pretax return on assets | -0.0830% | 6,510 |
| Return on Equity (ROE) | -0.9143% | 6,535 |
| Retained earnings to average equity (ytd only) | -0.9143% | 6,197 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5253% | 475 |
| Assets per employee ($millions) | 1.9340% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,802 |
| Loan loss allowance to noncurrent loans | 145.7143% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 7.2285% | 525 |
| Noncurrent loans to loans | 0.7508% | 5,009 |
| Net loans and leases to total assets | 47.6836% | 5,642 |
| Net loans and leases to deposits | 52.5111% | 5,990 |
| Net loans and leases to core deposits | 52.5111% | 6,197 |
| Total domestic deposits to total assets | 90.8066% | 526 |
| Equity capital to assets | 9.0589% | 5,638 |
| Core capital (leverage) ratio | 9.1252% | 4,728 |
| Tier 1 risk-based capital ratio | 15.1832% | 3,646 |
| Total risk-based capital ratio | 16.0733% | 3,844 |
| Memoranda: | ||
| Average total assets | $9,643,000 | 7,226 |
| Average earning assets | $8,139,000 | 7,218 |
| Average equity | $875,000 | 7,224 |
| Average total loans | $4,539,330 | 7,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 4,875 |
| Cost of funding earning assets | 0.2941% | 6,859 |
| Net interest margin | 3.9703% | 2,626 |
| Noninterest income to average assets | 0.4569% | 4,251 |
| Noninterest expense to average assets | 4.2370% | 709 |
| Loan and lease loss provision to assets | -0.2077% | 7,211 |
| Net operating income to assets | -0.2908% | 6,702 |
| Return on assets (ROA) | -0.2908% | 6,740 |
| Pretax return on assets | -0.2077% | 6,668 |
| Return on Equity (ROE) | -3.2018% | 6,768 |
| Retained earnings to average equity (ytd only) | -3.2018% | 6,421 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8696% | 325 |
| Assets per employee ($millions) | 1.9500% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,866 |
| Loan loss allowance to noncurrent loans | 134.2857% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 7.1692% | 584 |
| Noncurrent loans to loans | 0.8274% | 5,018 |
| Net loans and leases to total assets | 42.9026% | 6,110 |
| Net loans and leases to deposits | 47.1962% | 6,344 |
| Net loans and leases to core deposits | 47.1962% | 6,498 |
| Total domestic deposits to total assets | 90.9026% | 600 |
| Equity capital to assets | 8.9744% | 5,534 |
| Core capital (leverage) ratio | 8.5436% | 5,518 |
| Tier 1 risk-based capital ratio | 15.7809% | 3,296 |
| Total risk-based capital ratio | 16.6363% | 3,474 |
| Memoranda: | ||
| Average total assets | $9,629,500 | 7,289 |
| Average earning assets | $8,160,500 | 7,278 |
| Average equity | $874,500 | 7,287 |
| Average total loans | $4,478,000 | 7,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 3,117 |
| Cost of funding earning assets | 0.4134% | 6,854 |
| Net interest margin | 4.5342% | 1,061 |
| Noninterest income to average assets | 0.7636% | 2,269 |
| Noninterest expense to average assets | 4.6032% | 527 |
| Loan and lease loss provision to assets | 0.0753% | 5,668 |
| Net operating income to assets | -0.1291% | 6,184 |
| Return on assets (ROA) | -0.1291% | 6,259 |
| Pretax return on assets | -0.1398% | 6,237 |
| Return on Equity (ROE) | -1.3671% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.3671% | 6,067 |
| Net charge-offs to loans | 0.2217% | 4,398 |
| Credit loss provision to net charge-offs | 63.6364% | 5,066 |
| Earnings coverage of net charge-offs (x) | -0.5455% | 6,093 |
| Efficiency ratio | 101.4218% | 634 |
| Assets per employee ($millions) | 1.9018% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,812 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 270 |
| Noncurrent assets plus other real estate owned to assets | 7.0144% | 649 |
| Noncurrent loans to loans | 0.0635% | 6,659 |
| Net loans and leases to total assets | 49.1534% | 5,702 |
| Net loans and leases to deposits | 54.2039% | 6,046 |
| Net loans and leases to core deposits | 54.2039% | 6,289 |
| Total domestic deposits to total assets | 90.6825% | 638 |
| Equity capital to assets | 9.1913% | 5,303 |
| Core capital (leverage) ratio | 8.7584% | 5,160 |
| Tier 1 risk-based capital ratio | 15.2053% | 3,508 |
| Total risk-based capital ratio | 16.1273% | 3,686 |
| Memoranda: | ||
| Average total assets | $9,297,800 | 7,339 |
| Average earning assets | $7,741,200 | 7,332 |
| Average equity | $877,800 | 7,338 |
| Average total loans | $4,962,400 | 7,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 2,739 |
| Cost of funding earning assets | 0.4344% | 6,923 |
| Net interest margin | 4.6395% | 873 |
| Noninterest income to average assets | 0.8076% | 2,020 |
| Noninterest expense to average assets | 4.6583% | 496 |
| Loan and lease loss provision to assets | 0.0865% | 5,364 |
| Net operating income to assets | 0.0000% | 6,154 |
| Return on assets (ROA) | 0.0000% | 6,254 |
| Pretax return on assets | -0.0865% | 6,325 |
| Return on Equity (ROE) | 0.0000% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 0.2921% | 3,628 |
| Credit loss provision to net charge-offs | 54.5455% | 4,937 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,601 |
| Efficiency ratio | 100.0000% | 658 |
| Assets per employee ($millions) | 1.9466% | 7,250 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 6,034 |
| Loan loss allowance to noncurrent loans | 425.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 6.9454% | 715 |
| Noncurrent loans to loans | 0.2478% | 6,379 |
| Net loans and leases to total assets | 49.2243% | 5,806 |
| Net loans and leases to deposits | 54.2890% | 6,188 |
| Net loans and leases to core deposits | 54.2890% | 6,443 |
| Total domestic deposits to total assets | 90.6709% | 566 |
| Equity capital to assets | 9.1031% | 5,636 |
| Core capital (leverage) ratio | 9.2253% | 4,582 |
| Tier 1 risk-based capital ratio | 15.3049% | 3,488 |
| Total risk-based capital ratio | 16.1859% | 3,672 |
| Memoranda: | ||
| Average total assets | $9,245,000 | 7,418 |
| Average earning assets | $7,673,000 | 7,410 |
| Average equity | $878,750 | 7,415 |
| Average total loans | $5,021,500 | 7,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 2,222 |
| Cost of funding earning assets | 0.4543% | 6,991 |
| Net interest margin | 4.7570% | 648 |
| Noninterest income to average assets | 0.9689% | 1,409 |
| Noninterest expense to average assets | 4.9987% | 368 |
| Loan and lease loss provision to assets | 0.0440% | 5,766 |
| Net operating income to assets | -0.0299% | 6,272 |
| Return on assets (ROA) | -0.0440% | 6,347 |
| Pretax return on assets | -0.1762% | 6,435 |
| Return on Equity (ROE) | -0.4564% | 6,353 |
| Retained earnings to average equity (ytd only) | -0.4564% | 5,947 |
| Net charge-offs to loans | 0.4330% | 2,843 |
| Credit loss provision to net charge-offs | 18.1818% | 5,156 |
| Earnings coverage of net charge-offs (x) | -0.4545% | 5,514 |
| Efficiency ratio | 102.2523% | 656 |
| Assets per employee ($millions) | 1.5667% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 6,496 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 258 |
| Noncurrent assets plus other real estate owned to assets | 7.0957% | 710 |
| Noncurrent loans to loans | 0.0610% | 6,834 |
| Net loans and leases to total assets | 51.8511% | 5,589 |
| Net loans and leases to deposits | 57.4020% | 6,011 |
| Net loans and leases to core deposits | 57.4020% | 6,312 |
| Total domestic deposits to total assets | 90.3298% | 797 |
| Equity capital to assets | 9.4043% | 4,967 |
| Core capital (leverage) ratio | 9.5951% | 3,808 |
| Tier 1 risk-based capital ratio | 15.5936% | 3,189 |
| Total risk-based capital ratio | 16.4226% | 3,371 |
| Memoranda: | ||
| Average total assets | $9,082,330 | 7,494 |
| Average earning assets | $7,483,670 | 7,486 |
| Average equity | $876,330 | 7,491 |
| Average total loans | $5,081,330 | 7,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 1,350 |
| Cost of funding earning assets | 0.4384% | 7,138 |
| Net interest margin | 5.0421% | 353 |
| Noninterest income to average assets | 0.4034% | 4,673 |
| Noninterest expense to average assets | 5.5135% | 257 |
| Loan and lease loss provision to assets | 0.1793% | 3,823 |
| Net operating income to assets | -1.1655% | 7,088 |
| Return on assets (ROA) | -1.2103% | 7,103 |
| Pretax return on assets | -1.2103% | 7,064 |
| Return on Equity (ROE) | -12.3782% | 7,086 |
| Retained earnings to average equity (ytd only) | -12.3782% | 6,956 |
| Net charge-offs to loans | 0.8525% | 1,546 |
| Credit loss provision to net charge-offs | 36.3636% | 4,013 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,957 |
| Efficiency ratio | 121.7822% | 327 |
| Assets per employee ($millions) | 1.5443% | 7,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,410 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 259 |
| Noncurrent assets plus other real estate owned to assets | 7.1984% | 723 |
| Noncurrent loans to loans | 0.0610% | 6,898 |
| Net loans and leases to total assets | 52.5254% | 5,513 |
| Net loans and leases to deposits | 58.0510% | 5,918 |
| Net loans and leases to core deposits | 58.0510% | 6,249 |
| Total domestic deposits to total assets | 90.4813% | 849 |
| Equity capital to assets | 9.2705% | 4,782 |
| Core capital (leverage) ratio | 9.2775% | 4,157 |
| Tier 1 risk-based capital ratio | 14.9391% | 3,457 |
| Total risk-based capital ratio | 15.7913% | 3,675 |
| Memoranda: | ||
| Average total assets | $8,923,500 | 7,555 |
| Average earning assets | $7,298,500 | 7,545 |
| Average equity | $872,500 | 7,547 |
| Average total loans | $5,161,500 | 7,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 1,779 |
| Cost of funding earning assets | 0.6098% | 7,107 |
| Net interest margin | 5.0275% | 406 |
| Noninterest income to average assets | 0.7109% | 2,780 |
| Noninterest expense to average assets | 4.8960% | 456 |
| Loan and lease loss provision to assets | 0.6192% | 2,656 |
| Net operating income to assets | -0.4701% | 6,367 |
| Return on assets (ROA) | -0.4701% | 6,399 |
| Pretax return on assets | -0.5504% | 6,357 |
| Return on Equity (ROE) | -4.7170% | 6,412 |
| Retained earnings to average equity (ytd only) | -4.7170% | 6,273 |
| Net charge-offs to loans | 1.1427% | 1,949 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 0.0952% | 6,023 |
| Efficiency ratio | 98.6143% | 849 |
| Assets per employee ($millions) | 1.4302% | 7,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,212 |
| Loan loss allowance to noncurrent loans | 430.7692% | 721 |
| Noncurrent assets plus other real estate owned to assets | 8.1925% | 596 |
| Noncurrent loans to loans | 0.2404% | 6,581 |
| Net loans and leases to total assets | 62.3587% | 4,211 |
| Net loans and leases to deposits | 69.7380% | 4,843 |
| Net loans and leases to core deposits | 69.7380% | 5,470 |
| Total domestic deposits to total assets | 89.4185% | 1,426 |
| Equity capital to assets | 10.3251% | 3,356 |
| Core capital (leverage) ratio | 11.6136% | 1,773 |
| Tier 1 risk-based capital ratio | 15.0093% | 3,248 |
| Total risk-based capital ratio | 15.9580% | 3,386 |
| Memoranda: | ||
| Average total assets | $8,721,400 | 7,638 |
| Average earning assets | $7,379,400 | 7,629 |
| Average equity | $869,200 | 7,642 |
| Average total loans | $5,513,400 | 7,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 2,695 |
| Cost of funding earning assets | 0.6399% | 7,203 |
| Net interest margin | 4.7994% | 677 |
| Noninterest income to average assets | 0.5938% | 3,480 |
| Noninterest expense to average assets | 5.1161% | 345 |
| Loan and lease loss provision to assets | 0.9136% | 1,658 |
| Net operating income to assets | -1.3551% | 7,055 |
| Return on assets (ROA) | -1.3551% | 7,080 |
| Pretax return on assets | -1.3246% | 6,986 |
| Return on Equity (ROE) | -13.7179% | 7,064 |
| Retained earnings to average equity (ytd only) | -13.7179% | 7,031 |
| Net charge-offs to loans | 0.9146% | 2,163 |
| Credit loss provision to net charge-offs | 157.8947% | 2,419 |
| Earnings coverage of net charge-offs (x) | -0.7105% | 6,392 |
| Efficiency ratio | 108.7379% | 549 |
| Assets per employee ($millions) | 1.4145% | 7,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,600 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 7.1285% | 752 |
| Noncurrent loans to loans | 0.6008% | 6,005 |
| Net loans and leases to total assets | 63.6974% | 4,179 |
| Net loans and leases to deposits | 70.9542% | 5,006 |
| Net loans and leases to core deposits | 70.9542% | 5,651 |
| Total domestic deposits to total assets | 89.7726% | 984 |
| Equity capital to assets | 9.8739% | 4,325 |
| Core capital (leverage) ratio | 10.2270% | 3,009 |
| Tier 1 risk-based capital ratio | 15.3283% | 3,086 |
| Total risk-based capital ratio | 16.5905% | 3,040 |
| Memoranda: | ||
| Average total assets | $8,756,500 | 7,738 |
| Average earning assets | $7,500,750 | 7,730 |
| Average equity | $865,000 | 7,746 |
| Average total loans | $5,540,000 | 7,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 4,096 |
| Cost of funding earning assets | 0.6266% | 7,348 |
| Net interest margin | 4.5431% | 1,112 |
| Noninterest income to average assets | 0.5426% | 3,769 |
| Noninterest expense to average assets | 5.1547% | 336 |
| Loan and lease loss provision to assets | 1.5826% | 829 |
| Net operating income to assets | -2.3060% | 7,374 |
| Return on assets (ROA) | -2.3060% | 7,386 |
| Pretax return on assets | -2.2608% | 7,311 |
| Return on Equity (ROE) | -23.3410% | 7,342 |
| Retained earnings to average equity (ytd only) | -23.3410% | 7,327 |
| Net charge-offs to loans | 1.4040% | 1,359 |
| Credit loss provision to net charge-offs | 179.4872% | 2,182 |
| Earnings coverage of net charge-offs (x) | -0.7692% | 6,083 |
| Efficiency ratio | 115.1515% | 476 |
| Assets per employee ($millions) | 1.4370% | 7,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 2,598 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 7.0517% | 750 |
| Noncurrent loans to loans | 0.6901% | 5,867 |
| Net loans and leases to total assets | 59.3946% | 5,175 |
| Net loans and leases to deposits | 65.9158% | 5,816 |
| Net loans and leases to core deposits | 65.9158% | 6,251 |
| Total domestic deposits to total assets | 90.1067% | 869 |
| Equity capital to assets | 9.5685% | 4,603 |
| Core capital (leverage) ratio | 9.8390% | 3,353 |
| Tier 1 risk-based capital ratio | 15.4408% | 2,930 |
| Total risk-based capital ratio | 16.8819% | 2,803 |
| Memoranda: | ||
| Average total assets | $8,846,330 | 7,806 |
| Average earning assets | $7,660,000 | 7,794 |
| Average equity | $874,000 | 7,812 |
| Average total loans | $5,555,670 | 7,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 6,909 |
| Cost of funding earning assets | 0.7072% | 7,316 |
| Net interest margin | 3.7383% | 4,058 |
| Noninterest income to average assets | 0.6698% | 2,812 |
| Noninterest expense to average assets | 5.0008% | 366 |
| Loan and lease loss provision to assets | 1.2056% | 1,009 |
| Net operating income to assets | -2.5004% | 7,557 |
| Return on assets (ROA) | -2.5004% | 7,558 |
| Pretax return on assets | -2.2325% | 7,467 |
| Return on Equity (ROE) | -24.9304% | 7,500 |
| Retained earnings to average equity (ytd only) | -24.9304% | 7,459 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8427% | 381 |
| Assets per employee ($millions) | 1.5113% | 7,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,431 |
| Loan loss allowance to noncurrent loans | 25.6983% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 3.9479% | 1,750 |
| Noncurrent loans to loans | 6.2369% | 1,029 |
| Net loans and leases to total assets | 62.2850% | 4,700 |
| Net loans and leases to deposits | 69.1310% | 5,455 |
| Net loans and leases to core deposits | 69.1310% | 5,989 |
| Total domestic deposits to total assets | 90.0970% | 937 |
| Equity capital to assets | 9.5942% | 4,384 |
| Core capital (leverage) ratio | 9.7414% | 3,463 |
| Tier 1 risk-based capital ratio | 15.5691% | 2,841 |
| Total risk-based capital ratio | 17.0007% | 2,698 |
| Memoranda: | ||
| Average total assets | $8,958,500 | 7,907 |
| Average earning assets | $7,918,000 | 7,893 |
| Average equity | $898,500 | 7,903 |
| Average total loans | $5,725,000 | 7,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3203% | 984 |
| Cost of funding earning assets | 0.8613% | 7,469 |
| Net interest margin | 5.4590% | 191 |
| Noninterest income to average assets | 0.5970% | 3,652 |
| Noninterest expense to average assets | 5.1207% | 478 |
| Loan and lease loss provision to assets | 0.0459% | 7,106 |
| Net operating income to assets | 0.3215% | 4,444 |
| Return on assets (ROA) | 0.3215% | 4,531 |
| Pretax return on assets | 0.3789% | 4,554 |
| Return on Equity (ROE) | 3.0494% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.0494% | 3,028 |
| Net charge-offs to loans | 0.0358% | 6,767 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,121 |
| Efficiency ratio | 92.3395% | 1,537 |
| Assets per employee ($millions) | 1.4748% | 7,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,699 |
| Loan loss allowance to noncurrent loans | 12.6459% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 5.8086% | 981 |
| Noncurrent loans to loans | 9.0018% | 506 |
| Net loans and leases to total assets | 63.7925% | 4,639 |
| Net loans and leases to deposits | 71.5644% | 5,395 |
| Net loans and leases to core deposits | 73.4261% | 6,568 |
| Total domestic deposits to total assets | 89.1400% | 1,417 |
| Equity capital to assets | 10.4758% | 3,210 |
| Core capital (leverage) ratio | 10.6454% | 2,476 |
| Tier 1 risk-based capital ratio | 16.4624% | 2,335 |
| Total risk-based capital ratio | 17.6168% | 2,317 |
| Memoranda: | ||
| Average total assets | $8,709,800 | 7,984 |
| Average earning assets | $7,895,200 | 7,971 |
| Average equity | $918,200 | 7,988 |
| Average total loans | $5,591,600 | 7,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3080% | 1,118 |
| Cost of funding earning assets | 0.9084% | 7,539 |
| Net interest margin | 5.3997% | 214 |
| Noninterest income to average assets | 0.5994% | 3,716 |
| Noninterest expense to average assets | 5.0105% | 482 |
| Loan and lease loss provision to assets | -0.0461% | 8,054 |
| Net operating income to assets | 0.4919% | 4,015 |
| Return on assets (ROA) | 0.4919% | 4,114 |
| Pretax return on assets | 0.5688% | 4,305 |
| Return on Equity (ROE) | 4.6583% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.6583% | 2,679 |
| Net charge-offs to loans | 0.0239% | 6,552 |
| Credit loss provision to net charge-offs | -300.0000% | 7,240 |
| Earnings coverage of net charge-offs (x) | 34.0827% | 846 |
| Efficiency ratio | 90.5556% | 1,638 |
| Assets per employee ($millions) | 1.4735% | 7,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 6,075 |
| Loan loss allowance to noncurrent loans | 310.5263% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,981 |
| Noncurrent loans to loans | 0.3341% | 6,691 |
| Net loans and leases to total assets | 63.6580% | 4,938 |
| Net loans and leases to deposits | 71.5302% | 5,728 |
| Net loans and leases to core deposits | 74.4346% | 6,703 |
| Total domestic deposits to total assets | 88.9945% | 1,199 |
| Equity capital to assets | 10.5305% | 3,480 |
| Core capital (leverage) ratio | 11.0452% | 2,374 |
| Tier 1 risk-based capital ratio | 16.7266% | 2,353 |
| Total risk-based capital ratio | 17.7866% | 2,367 |
| Memoranda: | ||
| Average total assets | $8,675,000 | 8,071 |
| Average earning assets | $7,926,250 | 8,056 |
| Average equity | $916,000 | 8,070 |
| Average total loans | $5,562,000 | 7,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3406% | 1,114 |
| Cost of funding earning assets | 0.9384% | 7,645 |
| Net interest margin | 5.4022% | 209 |
| Noninterest income to average assets | 0.6265% | 3,488 |
| Noninterest expense to average assets | 5.0814% | 485 |
| Loan and lease loss provision to assets | -0.0928% | 8,161 |
| Net operating income to assets | 0.5105% | 4,046 |
| Return on assets (ROA) | 0.5105% | 4,168 |
| Pretax return on assets | 0.5801% | 4,370 |
| Return on Equity (ROE) | 4.8299% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.8299% | 2,611 |
| Net charge-offs to loans | 0.0362% | 5,952 |
| Credit loss provision to net charge-offs | -400.0000% | 7,035 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,283 |
| Efficiency ratio | 91.2500% | 1,704 |
| Assets per employee ($millions) | 1.4430% | 8,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,573 |
| Loan loss allowance to noncurrent loans | 252.1739% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,808 |
| Noncurrent loans to loans | 0.4378% | 6,426 |
| Net loans and leases to total assets | 60.0139% | 5,678 |
| Net loans and leases to deposits | 67.5244% | 6,247 |
| Net loans and leases to core deposits | 70.3303% | 7,002 |
| Total domestic deposits to total assets | 88.8773% | 1,328 |
| Equity capital to assets | 10.6376% | 3,262 |
| Core capital (leverage) ratio | 10.8353% | 2,538 |
| Tier 1 risk-based capital ratio | 17.8281% | 2,062 |
| Total risk-based capital ratio | 18.9315% | 2,047 |
| Memoranda: | ||
| Average total assets | $8,619,670 | 8,167 |
| Average earning assets | $7,885,670 | 8,147 |
| Average equity | $911,000 | 8,161 |
| Average total loans | $5,520,330 | 8,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3992% | 1,066 |
| Cost of funding earning assets | 0.9650% | 7,726 |
| Net interest margin | 5.4342% | 192 |
| Noninterest income to average assets | 0.6976% | 2,903 |
| Noninterest expense to average assets | 5.2555% | 410 |
| Loan and lease loss provision to assets | -0.2325% | 8,217 |
| Net operating income to assets | 0.6511% | 3,796 |
| Return on assets (ROA) | 0.6511% | 3,981 |
| Pretax return on assets | 0.6511% | 4,585 |
| Return on Equity (ROE) | 6.1810% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.1810% | 2,554 |
| Net charge-offs to loans | 0.0708% | 4,483 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,118 |
| Efficiency ratio | 92.6230% | 1,529 |
| Assets per employee ($millions) | 1.4665% | 8,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,654 |
| Loan loss allowance to noncurrent loans | 247.8261% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 6,723 |
| Noncurrent loans to loans | 0.4337% | 6,337 |
| Net loans and leases to total assets | 59.6204% | 5,718 |
| Net loans and leases to deposits | 66.8451% | 6,291 |
| Net loans and leases to core deposits | 68.5931% | 7,105 |
| Total domestic deposits to total assets | 89.1920% | 1,147 |
| Equity capital to assets | 10.3762% | 3,583 |
| Core capital (leverage) ratio | 10.4248% | 3,008 |
| Tier 1 risk-based capital ratio | 17.5173% | 2,181 |
| Total risk-based capital ratio | 18.6109% | 2,174 |
| Memoranda: | ||
| Average total assets | $8,600,500 | 8,214 |
| Average earning assets | $7,876,000 | 8,196 |
| Average equity | $906,000 | 8,215 |
| Average total loans | $5,653,500 | 8,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1392% | 834 |
| Cost of funding earning assets | 1.5408% | 7,546 |
| Net interest margin | 5.5984% | 177 |
| Noninterest income to average assets | 0.6078% | 3,790 |
| Noninterest expense to average assets | 5.1842% | 580 |
| Loan and lease loss provision to assets | 0.0596% | 6,665 |
| Net operating income to assets | 0.4886% | 4,791 |
| Return on assets (ROA) | 0.4886% | 4,615 |
| Pretax return on assets | 0.5601% | 4,816 |
| Return on Equity (ROE) | 4.5364% | 4,583 |
| Retained earnings to average equity (ytd only) | 0.6639% | 4,839 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3224% | 1,571 |
| Assets per employee ($millions) | 1.4003% | 8,183 |
| Cash dividends to net income (ytd only)* | 85.3659% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,633 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,574 |
| Noncurrent loans to loans | 0.0167% | 7,468 |
| Net loans and leases to total assets | 70.7094% | 3,853 |
| Net loans and leases to deposits | 79.6915% | 5,101 |
| Net loans and leases to core deposits | 81.8884% | 6,471 |
| Total domestic deposits to total assets | 88.7289% | 1,133 |
| Equity capital to assets | 10.6998% | 3,297 |
| Core capital (leverage) ratio | 11.0960% | 2,513 |
| Tier 1 risk-based capital ratio | 16.1865% | 2,592 |
| Total risk-based capital ratio | 17.3208% | 2,584 |
| Memoranda: | ||
| Average total assets | $8,390,800 | 8,270 |
| Average earning assets | $7,788,000 | 8,256 |
| Average equity | $903,800 | 8,278 |
| Average total loans | $5,847,600 | 8,132 |