Home > Garden City State Bank > Performance and Condition Ratios
Garden City State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1360% | 239 |
| Cost of funding earning assets | 0.8137% | 2,836 |
| Net interest margin | 5.3224% | 234 |
| Noninterest income to average assets | 0.9906% | 1,532 |
| Noninterest expense to average assets | 3.0237% | 3,158 |
| Loan and lease loss provision to assets | 0.1096% | 4,201 |
| Net operating income to assets | 2.6429% | 145 |
| Return on assets (ROA) | 2.6429% | 157 |
| Pretax return on assets | 2.7390% | 203 |
| Return on Equity (ROE) | 20.6063% | 302 |
| Retained earnings to average equity (ytd only) | 4.8142% | 3,504 |
| Net charge-offs to loans | -0.2632% | 7,034 |
| Credit loss provision to net charge-offs | -51.3514% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4903% | 6,494 |
| Assets per employee ($millions) | 3.7284% | 4,478 |
| Cash dividends to net income (ytd only)* | 76.6375% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 2,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.0581% | 595 |
| Net loans and leases to deposits | 92.1118% | 964 |
| Net loans and leases to core deposits | 95.0590% | 1,485 |
| Total domestic deposits to total assets | 85.8284% | 3,348 |
| Equity capital to assets | 13.1340% | 1,526 |
| Core capital (leverage) ratio | 12.8163% | 1,270 |
| Tier 1 risk-based capital ratio | 15.2491% | 3,673 |
| Total risk-based capital ratio | 16.5063% | 3,622 |
| Memoranda: | ||
| Average total assets | $69,317,000 | 5,710 |
| Average earning assets | $63,579,250 | 5,677 |
| Average equity | $8,890,250 | 5,298 |
| Average total loans | $56,235,250 | 4,910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1498% | 241 |
| Cost of funding earning assets | 0.8341% | 2,917 |
| Net interest margin | 5.3157% | 239 |
| Noninterest income to average assets | 0.9359% | 1,659 |
| Noninterest expense to average assets | 3.0199% | 3,185 |
| Loan and lease loss provision to assets | 0.1657% | 3,451 |
| Net operating income to assets | 2.5200% | 167 |
| Return on assets (ROA) | 2.5200% | 193 |
| Pretax return on assets | 2.6217% | 252 |
| Return on Equity (ROE) | 19.8119% | 366 |
| Retained earnings to average equity (ytd only) | -1.3939% | 6,270 |
| Net charge-offs to loans | -0.2252% | 7,020 |
| Credit loss provision to net charge-offs | -90.4762% | 6,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0020% | 6,506 |
| Assets per employee ($millions) | 3.6531% | 4,634 |
| Cash dividends to net income (ytd only)* | 107.0358% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.5902% | 553 |
| Net loans and leases to deposits | 92.3362% | 913 |
| Net loans and leases to core deposits | 94.6897% | 1,538 |
| Total domestic deposits to total assets | 86.1961% | 3,251 |
| Equity capital to assets | 12.8386% | 1,599 |
| Core capital (leverage) ratio | 12.6252% | 1,303 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,893 |
| Total risk-based capital ratio | 16.0659% | 3,855 |
| Memoranda: | ||
| Average total assets | $68,809,670 | 5,762 |
| Average earning assets | $63,058,670 | 5,735 |
| Average equity | $8,752,330 | 5,337 |
| Average total loans | $55,938,670 | 4,953 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1847% | 235 |
| Cost of funding earning assets | 0.8616% | 2,978 |
| Net interest margin | 5.3231% | 239 |
| Noninterest income to average assets | 0.9050% | 1,726 |
| Noninterest expense to average assets | 3.1411% | 2,784 |
| Loan and lease loss provision to assets | 0.3328% | 1,878 |
| Net operating income to assets | 2.2245% | 277 |
| Return on assets (ROA) | 2.2245% | 331 |
| Pretax return on assets | 2.3004% | 454 |
| Return on Equity (ROE) | 17.5718% | 600 |
| Retained earnings to average equity (ytd only) | -25.2277% | 7,104 |
| Net charge-offs to loans | -0.0646% | 6,641 |
| Credit loss provision to net charge-offs | -633.3333% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3984% | 6,307 |
| Assets per employee ($millions) | 3.6473% | 4,772 |
| Cash dividends to net income (ytd only)* | 243.5696% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,788 |
| Loan loss allowance to noncurrent loans | 808.7302% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 6,427 |
| Noncurrent loans to loans | 0.2305% | 6,231 |
| Net loans and leases to total assets | 77.4005% | 649 |
| Net loans and leases to deposits | 89.0477% | 1,056 |
| Net loans and leases to core deposits | 90.7134% | 1,780 |
| Total domestic deposits to total assets | 86.9203% | 3,001 |
| Equity capital to assets | 12.1201% | 1,960 |
| Core capital (leverage) ratio | 11.8960% | 1,647 |
| Tier 1 risk-based capital ratio | 14.3277% | 4,221 |
| Total risk-based capital ratio | 15.5842% | 4,188 |
| Memoranda: | ||
| Average total assets | $68,510,500 | 5,809 |
| Average earning assets | $62,670,500 | 5,788 |
| Average equity | $8,673,000 | 5,369 |
| Average total loans | $55,750,500 | 4,989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5681% | 166 |
| Cost of funding earning assets | 0.9051% | 4,079 |
| Net interest margin | 5.6630% | 136 |
| Noninterest income to average assets | 1.1692% | 962 |
| Noninterest expense to average assets | 3.1908% | 2,899 |
| Loan and lease loss provision to assets | 0.6385% | 1,601 |
| Net operating income to assets | 2.3744% | 165 |
| Return on assets (ROA) | 2.3744% | 174 |
| Pretax return on assets | 2.5164% | 202 |
| Return on Equity (ROE) | 18.4221% | 354 |
| Retained earnings to average equity (ytd only) | 9.5562% | 660 |
| Net charge-offs to loans | 1.1390% | 1,492 |
| Credit loss provision to net charge-offs | 65.3355% | 5,015 |
| Earnings coverage of net charge-offs (x) | 3.2284% | 3,598 |
| Efficiency ratio | 50.2829% | 6,817 |
| Assets per employee ($millions) | 3.3862% | 5,282 |
| Cash dividends to net income (ytd only)* | 48.1262% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 3,291 |
| Loan loss allowance to noncurrent loans | 738.7597% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 6,265 |
| Noncurrent loans to loans | 0.2269% | 6,286 |
| Net loans and leases to total assets | 82.5303% | 306 |
| Net loans and leases to deposits | 99.7715% | 468 |
| Net loans and leases to core deposits | 101.7810% | 1,045 |
| Total domestic deposits to total assets | 82.7193% | 4,869 |
| Equity capital to assets | 13.2112% | 1,392 |
| Core capital (leverage) ratio | 12.8660% | 1,193 |
| Tier 1 risk-based capital ratio | 14.7689% | 3,783 |
| Total risk-based capital ratio | 16.0224% | 3,756 |
| Memoranda: | ||
| Average total assets | $64,058,800 | 5,924 |
| Average earning assets | $58,555,600 | 5,913 |
| Average equity | $8,256,400 | 5,492 |
| Average total loans | $54,960,600 | 5,078 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5677% | 179 |
| Cost of funding earning assets | 0.9129% | 4,317 |
| Net interest margin | 5.6548% | 144 |
| Noninterest income to average assets | 1.2522% | 824 |
| Noninterest expense to average assets | 3.2497% | 2,663 |
| Loan and lease loss provision to assets | 0.6736% | 1,434 |
| Net operating income to assets | 2.3671% | 190 |
| Return on assets (ROA) | 2.3671% | 200 |
| Pretax return on assets | 2.5085% | 244 |
| Return on Equity (ROE) | 18.4893% | 419 |
| Retained earnings to average equity (ytd only) | 6.4160% | 2,285 |
| Net charge-offs to loans | 1.0057% | 1,600 |
| Credit loss provision to net charge-offs | 77.6156% | 4,226 |
| Earnings coverage of net charge-offs (x) | 3.6666% | 3,341 |
| Efficiency ratio | 50.5253% | 6,801 |
| Assets per employee ($millions) | 3.3307% | 5,417 |
| Cash dividends to net income (ytd only)* | 65.2991% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9356% | 2,517 |
| Loan loss allowance to noncurrent loans | 262.2871% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 5,587 |
| Noncurrent loans to loans | 0.7380% | 5,403 |
| Net loans and leases to total assets | 81.9900% | 359 |
| Net loans and leases to deposits | 105.2068% | 275 |
| Net loans and leases to core deposits | 119.2151% | 411 |
| Total domestic deposits to total assets | 77.9322% | 6,205 |
| Equity capital to assets | 12.8563% | 1,680 |
| Core capital (leverage) ratio | 13.0695% | 1,203 |
| Tier 1 risk-based capital ratio | 14.2978% | 4,128 |
| Total risk-based capital ratio | 15.5553% | 4,085 |
| Memoranda: | ||
| Average total assets | $63,142,750 | 5,997 |
| Average earning assets | $57,837,000 | 5,982 |
| Average equity | $8,083,750 | 5,570 |
| Average total loans | $54,489,500 | 5,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5935% | 182 |
| Cost of funding earning assets | 0.9641% | 4,220 |
| Net interest margin | 5.6294% | 144 |
| Noninterest income to average assets | 1.2035% | 885 |
| Noninterest expense to average assets | 3.2459% | 2,739 |
| Loan and lease loss provision to assets | 0.6808% | 1,408 |
| Net operating income to assets | 2.2844% | 226 |
| Return on assets (ROA) | 2.2844% | 240 |
| Pretax return on assets | 2.4199% | 279 |
| Return on Equity (ROE) | 17.8705% | 472 |
| Retained earnings to average equity (ytd only) | -0.6058% | 5,985 |
| Net charge-offs to loans | 1.1943% | 1,309 |
| Credit loss provision to net charge-offs | 65.3251% | 4,193 |
| Earnings coverage of net charge-offs (x) | 2.9752% | 3,362 |
| Efficiency ratio | 51.1439% | 6,860 |
| Assets per employee ($millions) | 3.7404% | 4,336 |
| Cash dividends to net income (ytd only)* | 103.3898% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,651 |
| Loan loss allowance to noncurrent loans | 144.5355% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,584 |
| Noncurrent loans to loans | 1.3183% | 4,445 |
| Net loans and leases to total assets | 85.6572% | 152 |
| Net loans and leases to deposits | 108.8689% | 198 |
| Net loans and leases to core deposits | 124.7475% | 330 |
| Total domestic deposits to total assets | 78.6793% | 6,152 |
| Equity capital to assets | 12.7119% | 1,667 |
| Core capital (leverage) ratio | 12.7343% | 1,277 |
| Tier 1 risk-based capital ratio | 13.7041% | 4,385 |
| Total risk-based capital ratio | 14.9611% | 4,348 |
| Memoranda: | ||
| Average total assets | $61,986,000 | 6,079 |
| Average earning assets | $56,631,670 | 6,069 |
| Average equity | $7,923,670 | 5,638 |
| Average total loans | $54,088,000 | 5,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 181 |
| Cost of funding earning assets | 1.0104% | 4,133 |
| Net interest margin | 5.5822% | 148 |
| Noninterest income to average assets | 1.0591% | 1,172 |
| Noninterest expense to average assets | 3.2230% | 2,805 |
| Loan and lease loss provision to assets | 0.8237% | 1,012 |
| Net operating income to assets | 1.9089% | 398 |
| Return on assets (ROA) | 1.9089% | 421 |
| Pretax return on assets | 2.1051% | 465 |
| Return on Equity (ROE) | 14.8904% | 837 |
| Retained earnings to average equity (ytd only) | -21.9276% | 7,190 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3911% | 6,829 |
| Assets per employee ($millions) | 3.3884% | 5,276 |
| Cash dividends to net income (ytd only)* | 247.2603% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4322% | 1,562 |
| Loan loss allowance to noncurrent loans | 131.7073% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 3,822 |
| Noncurrent loans to loans | 1.8467% | 3,760 |
| Net loans and leases to total assets | 85.2388% | 170 |
| Net loans and leases to deposits | 104.1531% | 308 |
| Net loans and leases to core deposits | 118.9956% | 445 |
| Total domestic deposits to total assets | 81.8399% | 5,374 |
| Equity capital to assets | 12.5297% | 1,618 |
| Core capital (leverage) ratio | 12.4003% | 1,372 |
| Tier 1 risk-based capital ratio | 13.6906% | 4,291 |
| Total risk-based capital ratio | 14.9540% | 4,252 |
| Memoranda: | ||
| Average total assets | $61,186,000 | 6,149 |
| Average earning assets | $55,820,000 | 6,135 |
| Average equity | $7,844,000 | 5,665 |
| Average total loans | $53,370,000 | 5,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6288% | 264 |
| Cost of funding earning assets | 1.2371% | 4,310 |
| Net interest margin | 5.3917% | 203 |
| Noninterest income to average assets | 1.1729% | 1,073 |
| Noninterest expense to average assets | 3.4154% | 2,398 |
| Loan and lease loss provision to assets | 0.4915% | 3,200 |
| Net operating income to assets | 2.1195% | 226 |
| Return on assets (ROA) | 2.1292% | 231 |
| Pretax return on assets | 2.1992% | 324 |
| Return on Equity (ROE) | 16.9366% | 483 |
| Retained earnings to average equity (ytd only) | 11.7681% | 295 |
| Net charge-offs to loans | 0.1483% | 5,466 |
| Credit loss provision to net charge-offs | 383.1169% | 651 |
| Earnings coverage of net charge-offs (x) | 20.8961% | 982 |
| Efficiency ratio | 56.0262% | 6,589 |
| Assets per employee ($millions) | 3.2306% | 5,593 |
| Cash dividends to net income (ytd only)* | 30.5164% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 1,893 |
| Loan loss allowance to noncurrent loans | 152.7415% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 4,529 |
| Noncurrent loans to loans | 1.4330% | 4,342 |
| Net loans and leases to total assets | 85.1827% | 229 |
| Net loans and leases to deposits | 103.8492% | 409 |
| Net loans and leases to core deposits | 118.7616% | 570 |
| Total domestic deposits to total assets | 82.0254% | 5,180 |
| Equity capital to assets | 13.1083% | 1,343 |
| Core capital (leverage) ratio | 13.1002% | 1,096 |
| Tier 1 risk-based capital ratio | 14.3933% | 3,619 |
| Total risk-based capital ratio | 15.6541% | 3,568 |
| Memoranda: | ||
| Average total assets | $60,022,400 | 6,202 |
| Average earning assets | $54,806,200 | 6,180 |
| Average equity | $7,545,800 | 5,860 |
| Average total loans | $51,920,200 | 5,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5833% | 297 |
| Cost of funding earning assets | 1.2766% | 4,394 |
| Net interest margin | 5.3068% | 240 |
| Noninterest income to average assets | 1.1125% | 1,136 |
| Noninterest expense to average assets | 3.2125% | 2,880 |
| Loan and lease loss provision to assets | 0.4468% | 3,234 |
| Net operating income to assets | 2.2299% | 223 |
| Return on assets (ROA) | 2.2429% | 235 |
| Pretax return on assets | 2.3144% | 325 |
| Return on Equity (ROE) | 18.0390% | 479 |
| Retained earnings to average equity (ytd only) | 11.0319% | 601 |
| Net charge-offs to loans | -0.0931% | 7,544 |
| Credit loss provision to net charge-offs | -555.5556% | 7,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8981% | 6,799 |
| Assets per employee ($millions) | 3.3589% | 5,305 |
| Cash dividends to net income (ytd only)* | 38.8449% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2407% | 1,718 |
| Loan loss allowance to noncurrent loans | 93.7648% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 3,344 |
| Noncurrent loans to loans | 2.3898% | 3,247 |
| Net loans and leases to total assets | 85.7247% | 225 |
| Net loans and leases to deposits | 102.2510% | 523 |
| Net loans and leases to core deposits | 117.6003% | 697 |
| Total domestic deposits to total assets | 83.8375% | 4,217 |
| Equity capital to assets | 12.9770% | 1,585 |
| Core capital (leverage) ratio | 12.7602% | 1,314 |
| Tier 1 risk-based capital ratio | 14.0059% | 3,830 |
| Total risk-based capital ratio | 15.2671% | 3,791 |
| Memoranda: | ||
| Average total assets | $59,682,750 | 6,281 |
| Average earning assets | $54,520,250 | 6,262 |
| Average equity | $7,420,750 | 5,977 |
| Average total loans | $51,536,250 | 5,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5542% | 314 |
| Cost of funding earning assets | 1.2924% | 4,583 |
| Net interest margin | 5.2618% | 260 |
| Noninterest income to average assets | 1.1477% | 982 |
| Noninterest expense to average assets | 3.2412% | 2,758 |
| Loan and lease loss provision to assets | 0.3972% | 3,338 |
| Net operating income to assets | 2.2354% | 216 |
| Return on assets (ROA) | 2.2550% | 228 |
| Pretax return on assets | 2.3257% | 317 |
| Return on Equity (ROE) | 18.4091% | 432 |
| Retained earnings to average equity (ytd only) | 7.6934% | 1,554 |
| Net charge-offs to loans | -0.1332% | 7,593 |
| Credit loss provision to net charge-offs | -347.0588% | 6,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5300% | 6,813 |
| Assets per employee ($millions) | 3.3441% | 5,324 |
| Cash dividends to net income (ytd only)* | 58.2090% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,911 |
| Loan loss allowance to noncurrent loans | 101.0064% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.8158% | 3,735 |
| Noncurrent loans to loans | 2.1068% | 3,584 |
| Net loans and leases to total assets | 84.3539% | 329 |
| Net loans and leases to deposits | 101.9803% | 597 |
| Net loans and leases to core deposits | 117.1898% | 798 |
| Total domestic deposits to total assets | 82.7159% | 4,688 |
| Equity capital to assets | 12.4198% | 1,852 |
| Core capital (leverage) ratio | 12.2806% | 1,507 |
| Tier 1 risk-based capital ratio | 13.6510% | 3,976 |
| Total risk-based capital ratio | 14.9099% | 3,927 |
| Memoranda: | ||
| Average total assets | $59,423,330 | 6,330 |
| Average earning assets | $54,164,000 | 6,316 |
| Average equity | $7,279,000 | 6,043 |
| Average total loans | $51,042,330 | 5,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5692% | 321 |
| Cost of funding earning assets | 1.3005% | 4,810 |
| Net interest margin | 5.2687% | 255 |
| Noninterest income to average assets | 1.3415% | 667 |
| Noninterest expense to average assets | 3.0557% | 3,455 |
| Loan and lease loss provision to assets | 0.4065% | 2,927 |
| Net operating income to assets | 2.6229% | 125 |
| Return on assets (ROA) | 2.6627% | 127 |
| Pretax return on assets | 2.7237% | 179 |
| Return on Equity (ROE) | 21.8926% | 278 |
| Retained earnings to average equity (ytd only) | 0.1671% | 5,755 |
| Net charge-offs to loans | -0.2449% | 7,708 |
| Credit loss provision to net charge-offs | -193.5484% | 6,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7244% | 7,337 |
| Assets per employee ($millions) | 3.3116% | 5,514 |
| Cash dividends to net income (ytd only)* | 99.2366% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,078 |
| Loan loss allowance to noncurrent loans | 154.7478% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 4,835 |
| Noncurrent loans to loans | 1.3193% | 4,777 |
| Net loans and leases to total assets | 83.9538% | 376 |
| Net loans and leases to deposits | 100.9766% | 696 |
| Net loans and leases to core deposits | 117.6095% | 885 |
| Total domestic deposits to total assets | 83.1418% | 4,550 |
| Equity capital to assets | 12.0586% | 2,013 |
| Core capital (leverage) ratio | 12.1111% | 1,594 |
| Tier 1 risk-based capital ratio | 13.1100% | 4,256 |
| Total risk-based capital ratio | 14.3676% | 4,217 |
| Memoranda: | ||
| Average total assets | $59,038,000 | 6,430 |
| Average earning assets | $53,827,000 | 6,400 |
| Average equity | $7,180,500 | 6,121 |
| Average total loans | $50,623,500 | 5,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6129% | 547 |
| Cost of funding earning assets | 1.8035% | 3,976 |
| Net interest margin | 4.8094% | 681 |
| Noninterest income to average assets | 0.7220% | 2,839 |
| Noninterest expense to average assets | 3.4971% | 2,380 |
| Loan and lease loss provision to assets | 0.4237% | 4,286 |
| Net operating income to assets | 1.1421% | 1,406 |
| Return on assets (ROA) | 1.3134% | 1,051 |
| Pretax return on assets | 1.3399% | 1,585 |
| Return on Equity (ROE) | 10.8804% | 1,459 |
| Retained earnings to average equity (ytd only) | 10.8073% | 300 |
| Net charge-offs to loans | 0.4801% | 3,860 |
| Credit loss provision to net charge-offs | 103.8961% | 5,316 |
| Earnings coverage of net charge-offs (x) | 3.8961% | 3,150 |
| Efficiency ratio | 68.7608% | 4,867 |
| Assets per employee ($millions) | 3.2482% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.6720% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,266 |
| Loan loss allowance to noncurrent loans | 141.0370% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,711 |
| Noncurrent loans to loans | 1.3457% | 4,679 |
| Net loans and leases to total assets | 84.1637% | 412 |
| Net loans and leases to deposits | 101.5226% | 785 |
| Net loans and leases to core deposits | 117.9313% | 2,142 |
| Total domestic deposits to total assets | 82.9015% | 4,563 |
| Equity capital to assets | 12.2685% | 1,869 |
| Core capital (leverage) ratio | 12.0017% | 1,668 |
| Tier 1 risk-based capital ratio | 13.3531% | 3,913 |
| Total risk-based capital ratio | 14.6103% | 3,852 |
| Memoranda: | ||
| Average total assets | $56,647,200 | 6,468 |
| Average earning assets | $51,399,800 | 6,479 |
| Average equity | $6,838,000 | 6,324 |
| Average total loans | $48,116,800 | 5,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5854% | 633 |
| Cost of funding earning assets | 1.9032% | 3,868 |
| Net interest margin | 4.6822% | 861 |
| Noninterest income to average assets | 0.7118% | 2,939 |
| Noninterest expense to average assets | 3.2578% | 3,087 |
| Loan and lease loss provision to assets | 0.5339% | 3,249 |
| Net operating income to assets | 1.1698% | 1,540 |
| Return on assets (ROA) | 1.4047% | 1,085 |
| Pretax return on assets | 1.4047% | 1,682 |
| Return on Equity (ROE) | 11.6861% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.5875% | 398 |
| Net charge-offs to loans | 0.6582% | 2,711 |
| Credit loss provision to net charge-offs | 95.7447% | 5,311 |
| Earnings coverage of net charge-offs (x) | 3.0553% | 3,701 |
| Efficiency ratio | 65.6624% | 5,427 |
| Assets per employee ($millions) | 3.2057% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.8450% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 2,129 |
| Loan loss allowance to noncurrent loans | 138.0178% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3396% | 4,410 |
| Noncurrent loans to loans | 1.3487% | 4,678 |
| Net loans and leases to total assets | 85.2501% | 409 |
| Net loans and leases to deposits | 104.3155% | 748 |
| Net loans and leases to core deposits | 126.1049% | 1,722 |
| Total domestic deposits to total assets | 81.7233% | 4,799 |
| Equity capital to assets | 12.1781% | 2,138 |
| Core capital (leverage) ratio | 12.1986% | 1,710 |
| Tier 1 risk-based capital ratio | 13.1271% | 4,104 |
| Total risk-based capital ratio | 14.3842% | 4,031 |
| Memoranda: | ||
| Average total assets | $56,192,250 | 6,536 |
| Average earning assets | $51,000,250 | 6,538 |
| Average equity | $6,754,250 | 6,407 |
| Average total loans | $47,606,000 | 5,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5553% | 723 |
| Cost of funding earning assets | 2.0155% | 3,703 |
| Net interest margin | 4.5398% | 1,076 |
| Noninterest income to average assets | 0.5495% | 4,041 |
| Noninterest expense to average assets | 3.1712% | 3,427 |
| Loan and lease loss provision to assets | 0.6644% | 2,439 |
| Net operating income to assets | 0.8152% | 2,800 |
| Return on assets (ROA) | 1.1708% | 1,640 |
| Pretax return on assets | 1.1708% | 2,388 |
| Return on Equity (ROE) | 9.7849% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.6348% | 796 |
| Net charge-offs to loans | 1.0178% | 1,742 |
| Credit loss provision to net charge-offs | 77.7311% | 5,261 |
| Earnings coverage of net charge-offs (x) | 1.7311% | 4,256 |
| Efficiency ratio | 68.1853% | 5,125 |
| Assets per employee ($millions) | 3.1416% | 5,738 |
| Cash dividends to net income (ytd only)* | 1.5337% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 1,963 |
| Loan loss allowance to noncurrent loans | 131.4623% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 4,225 |
| Noncurrent loans to loans | 1.3925% | 4,427 |
| Net loans and leases to total assets | 84.4044% | 579 |
| Net loans and leases to deposits | 101.9785% | 1,074 |
| Net loans and leases to core deposits | 122.5927% | 2,146 |
| Total domestic deposits to total assets | 82.7669% | 4,351 |
| Equity capital to assets | 11.8713% | 2,279 |
| Core capital (leverage) ratio | 12.0147% | 1,823 |
| Tier 1 risk-based capital ratio | 12.9860% | 4,159 |
| Total risk-based capital ratio | 14.2422% | 4,071 |
| Memoranda: | ||
| Average total assets | $55,689,000 | 6,609 |
| Average earning assets | $50,310,670 | 6,617 |
| Average equity | $6,663,330 | 6,477 |
| Average total loans | $46,766,670 | 5,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4915% | 885 |
| Cost of funding earning assets | 2.1719% | 3,310 |
| Net interest margin | 4.3196% | 1,549 |
| Noninterest income to average assets | 1.1365% | 1,144 |
| Noninterest expense to average assets | 3.0981% | 3,384 |
| Loan and lease loss provision to assets | 0.8324% | 1,557 |
| Net operating income to assets | 1.0785% | 2,036 |
| Return on assets (ROA) | 1.7807% | 607 |
| Pretax return on assets | 1.7807% | 1,017 |
| Return on Equity (ROE) | 14.8226% | 1,010 |
| Retained earnings to average equity (ytd only) | 14.8226% | 435 |
| Net charge-offs to loans | 2.1466% | 670 |
| Credit loss provision to net charge-offs | 46.7480% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 4,226 |
| Efficiency ratio | 61.8497% | 6,081 |
| Assets per employee ($millions) | 3.0537% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 1,918 |
| Loan loss allowance to noncurrent loans | 90.1221% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 3.4203% | 1,581 |
| Noncurrent loans to loans | 1.9682% | 3,306 |
| Net loans and leases to total assets | 81.8051% | 1,045 |
| Net loans and leases to deposits | 99.4823% | 1,480 |
| Net loans and leases to core deposits | 118.2667% | 2,574 |
| Total domestic deposits to total assets | 82.2308% | 4,458 |
| Equity capital to assets | 12.1530% | 2,165 |
| Core capital (leverage) ratio | 12.2278% | 1,799 |
| Tier 1 risk-based capital ratio | 13.2071% | 4,047 |
| Total risk-based capital ratio | 14.4612% | 3,965 |
| Memoranda: | ||
| Average total assets | $55,259,500 | 6,662 |
| Average earning assets | $49,542,000 | 6,680 |
| Average equity | $6,638,500 | 6,531 |
| Average total loans | $45,840,500 | 5,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3743% | 519 |
| Cost of funding earning assets | 2.9822% | 1,926 |
| Net interest margin | 4.3922% | 1,706 |
| Noninterest income to average assets | 0.8495% | 2,235 |
| Noninterest expense to average assets | 3.4137% | 2,634 |
| Loan and lease loss provision to assets | 1.3648% | 1,025 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0379% | 6,082 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | -6.3882% | 6,709 |
| Net charge-offs to loans | 1.8499% | 596 |
| Credit loss provision to net charge-offs | 91.0345% | 5,654 |
| Earnings coverage of net charge-offs (x) | 0.9356% | 5,665 |
| Efficiency ratio | 70.8766% | 4,162 |
| Assets per employee ($millions) | 3.0863% | 5,818 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0543% | 1,140 |
| Loan loss allowance to noncurrent loans | 95.5420% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.3131% | 2,106 |
| Noncurrent loans to loans | 2.1501% | 2,561 |
| Net loans and leases to total assets | 80.9335% | 1,458 |
| Net loans and leases to deposits | 96.1794% | 2,419 |
| Net loans and leases to core deposits | 119.0578% | 2,781 |
| Total domestic deposits to total assets | 84.1485% | 3,246 |
| Equity capital to assets | 11.8751% | 2,371 |
| Core capital (leverage) ratio | 11.5010% | 2,255 |
| Tier 1 risk-based capital ratio | 12.8249% | 4,203 |
| Total risk-based capital ratio | 14.0834% | 4,125 |
| Memoranda: | ||
| Average total assets | $58,031,600 | 6,452 |
| Average earning assets | $52,411,600 | 6,488 |
| Average equity | $6,731,200 | 6,556 |
| Average total loans | $47,028,800 | 5,823 |