Home > Hedrick Savings Bank > Performance and Condition Ratios
Hedrick Savings Bank, Performance and Condition Ratios
| 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 | 5.3387% | 1,721 |
| Cost of funding earning assets | 1.2626% | 1,919 |
| Net interest margin | 4.0761% | 2,572 |
| Noninterest income to average assets | 1.2410% | 844 |
| Noninterest expense to average assets | 3.8108% | 1,292 |
| Loan and lease loss provision to assets | 0.0543% | 5,767 |
| Net operating income to assets | 1.0426% | 2,164 |
| Return on assets (ROA) | 1.1219% | 2,030 |
| Pretax return on assets | 1.1825% | 2,686 |
| Return on Equity (ROE) | 11.5476% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.5584% | 713 |
| Net charge-offs to loans | -0.4744% | 7,343 |
| Credit loss provision to net charge-offs | -18.7050% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7677% | 2,710 |
| Assets per employee ($millions) | 2.7610% | 6,560 |
| Cash dividends to net income (ytd only)* | 8.5659% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7763% | 1,053 |
| Loan loss allowance to noncurrent loans | 398.9324% | 811 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,341 |
| Noncurrent loans to loans | 0.6959% | 5,494 |
| Net loans and leases to total assets | 59.2442% | 4,282 |
| Net loans and leases to deposits | 74.8565% | 3,535 |
| Net loans and leases to core deposits | 79.0086% | 3,771 |
| Total domestic deposits to total assets | 79.1437% | 5,962 |
| Equity capital to assets | 10.0041% | 4,336 |
| Core capital (leverage) ratio | 9.6246% | 3,957 |
| Tier 1 risk-based capital ratio | 13.8324% | 4,471 |
| Total risk-based capital ratio | 15.0976% | 4,421 |
| Memoranda: | ||
| Average total assets | $63,816,250 | 5,968 |
| Average earning assets | $58,289,500 | 5,967 |
| Average equity | $6,200,250 | 6,151 |
| Average total loans | $39,063,500 | 5,786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 1,704 |
| Cost of funding earning assets | 1.2774% | 2,076 |
| Net interest margin | 4.0792% | 2,496 |
| Noninterest income to average assets | 1.2825% | 765 |
| Noninterest expense to average assets | 3.9015% | 1,189 |
| Loan and lease loss provision to assets | 0.0540% | 5,640 |
| Net operating income to assets | 0.9968% | 2,241 |
| Return on assets (ROA) | 1.1174% | 1,905 |
| Pretax return on assets | 1.1746% | 2,574 |
| Return on Equity (ROE) | 11.6223% | 1,597 |
| Retained earnings to average equity (ytd only) | 10.1035% | 823 |
| Net charge-offs to loans | -0.5903% | 7,414 |
| Credit loss provision to net charge-offs | -14.9123% | 6,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9822% | 2,716 |
| Assets per employee ($millions) | 2.4244% | 6,998 |
| Cash dividends to net income (ytd only)* | 13.0682% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8451% | 1,036 |
| Loan loss allowance to noncurrent loans | 405.5970% | 796 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 3,346 |
| Noncurrent loans to loans | 0.7015% | 5,502 |
| Net loans and leases to total assets | 58.8863% | 4,486 |
| Net loans and leases to deposits | 74.9727% | 3,648 |
| Net loans and leases to core deposits | 77.7247% | 4,086 |
| Total domestic deposits to total assets | 78.5437% | 6,178 |
| Equity capital to assets | 10.0785% | 4,045 |
| Core capital (leverage) ratio | 9.2015% | 4,399 |
| Tier 1 risk-based capital ratio | 14.2585% | 3,975 |
| Total risk-based capital ratio | 15.5245% | 3,938 |
| Memoranda: | ||
| Average total assets | $63,000,670 | 6,051 |
| Average earning assets | $57,462,330 | 6,045 |
| Average equity | $6,057,330 | 6,220 |
| Average total loans | $38,625,330 | 5,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 1,797 |
| Cost of funding earning assets | 1.2631% | 2,405 |
| Net interest margin | 4.0616% | 2,427 |
| Noninterest income to average assets | 1.5306% | 560 |
| Noninterest expense to average assets | 4.0137% | 1,017 |
| Loan and lease loss provision to assets | 0.0572% | 5,283 |
| Net operating income to assets | 1.0860% | 1,887 |
| Return on assets (ROA) | 1.0860% | 1,932 |
| Pretax return on assets | 1.1559% | 2,534 |
| Return on Equity (ROE) | 11.5746% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.4610% | 1,566 |
| Net charge-offs to loans | -0.6798% | 7,448 |
| Credit loss provision to net charge-offs | -13.6364% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7922% | 3,016 |
| Assets per employee ($millions) | 2.4656% | 7,036 |
| Cash dividends to net income (ytd only)* | 26.9006% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 1,263 |
| Loan loss allowance to noncurrent loans | 210.8384% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 3,020 |
| Noncurrent loans to loans | 1.2546% | 4,591 |
| Net loans and leases to total assets | 59.1920% | 4,429 |
| Net loans and leases to deposits | 74.6185% | 3,663 |
| Net loans and leases to core deposits | 77.2842% | 4,116 |
| Total domestic deposits to total assets | 79.3261% | 6,110 |
| Equity capital to assets | 9.4548% | 4,497 |
| Core capital (leverage) ratio | 9.3297% | 4,081 |
| Tier 1 risk-based capital ratio | 13.4056% | 4,500 |
| Total risk-based capital ratio | 14.6701% | 4,465 |
| Memoranda: | ||
| Average total assets | $62,983,500 | 6,095 |
| Average earning assets | $57,318,000 | 6,091 |
| Average equity | $5,909,500 | 6,277 |
| Average total loans | $38,835,000 | 5,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 2,911 |
| Cost of funding earning assets | 1.3979% | 3,282 |
| Net interest margin | 3.9477% | 3,266 |
| Noninterest income to average assets | 1.4008% | 742 |
| Noninterest expense to average assets | 3.8811% | 1,343 |
| Loan and lease loss provision to assets | 0.3799% | 3,837 |
| Net operating income to assets | 0.7289% | 3,106 |
| Return on assets (ROA) | 0.8896% | 2,564 |
| Pretax return on assets | 0.9449% | 3,118 |
| Return on Equity (ROE) | 9.6299% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.2029% | 1,712 |
| Net charge-offs to loans | 0.5372% | 3,465 |
| Credit loss provision to net charge-offs | 115.3846% | 3,748 |
| Earnings coverage of net charge-offs (x) | 3.5048% | 3,329 |
| Efficiency ratio | 77.0827% | 2,859 |
| Assets per employee ($millions) | 2.4745% | 7,045 |
| Cash dividends to net income (ytd only)* | 35.5872% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 1,442 |
| Loan loss allowance to noncurrent loans | 214.3498% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 2.4231% | 2,850 |
| Noncurrent loans to loans | 1.1526% | 4,802 |
| Net loans and leases to total assets | 61.0035% | 4,488 |
| Net loans and leases to deposits | 78.6241% | 3,407 |
| Net loans and leases to core deposits | 81.1605% | 4,031 |
| Total domestic deposits to total assets | 77.5888% | 6,382 |
| Equity capital to assets | 9.3078% | 4,677 |
| Core capital (leverage) ratio | 8.8561% | 4,770 |
| Tier 1 risk-based capital ratio | 13.2233% | 4,437 |
| Total risk-based capital ratio | 14.4930% | 4,371 |
| Memoranda: | ||
| Average total assets | $63,178,000 | 6,083 |
| Average earning assets | $58,160,400 | 6,059 |
| Average equity | $5,836,000 | 6,415 |
| Average total loans | $38,721,600 | 5,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 3,529 |
| Cost of funding earning assets | 1.4111% | 3,514 |
| Net interest margin | 3.8499% | 3,752 |
| Noninterest income to average assets | 1.3373% | 759 |
| Noninterest expense to average assets | 3.7601% | 1,453 |
| Loan and lease loss provision to assets | 0.3779% | 3,622 |
| Net operating income to assets | 0.7168% | 3,337 |
| Return on assets (ROA) | 0.9280% | 2,635 |
| Pretax return on assets | 0.9867% | 3,231 |
| Return on Equity (ROE) | 10.0644% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.0644% | 778 |
| Net charge-offs to loans | 0.1997% | 4,750 |
| Credit loss provision to net charge-offs | 310.3448% | 1,020 |
| Earnings coverage of net charge-offs (x) | 9.3622% | 2,030 |
| Efficiency ratio | 76.7352% | 2,809 |
| Assets per employee ($millions) | 2.5768% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 1,245 |
| Loan loss allowance to noncurrent loans | 129.2954% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 2.6535% | 2,727 |
| Noncurrent loans to loans | 1.9865% | 3,700 |
| Net loans and leases to total assets | 64.1619% | 4,094 |
| Net loans and leases to deposits | 83.4926% | 2,792 |
| Net loans and leases to core deposits | 89.3852% | 3,191 |
| Total domestic deposits to total assets | 76.8474% | 6,515 |
| Equity capital to assets | 10.0191% | 4,138 |
| Core capital (leverage) ratio | 9.2813% | 4,234 |
| Tier 1 risk-based capital ratio | 13.0999% | 4,503 |
| Total risk-based capital ratio | 14.3724% | 4,458 |
| Memoranda: | ||
| Average total assets | $63,507,000 | 6,143 |
| Average earning assets | $58,770,750 | 6,101 |
| Average equity | $5,855,500 | 6,498 |
| Average total loans | $38,728,500 | 6,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 4,015 |
| Cost of funding earning assets | 1.4469% | 3,581 |
| Net interest margin | 3.7404% | 4,183 |
| Noninterest income to average assets | 1.1145% | 1,057 |
| Noninterest expense to average assets | 3.4966% | 2,038 |
| Loan and lease loss provision to assets | 0.3746% | 3,469 |
| Net operating income to assets | 0.6650% | 3,558 |
| Return on assets (ROA) | 0.7149% | 3,486 |
| Pretax return on assets | 0.7586% | 4,032 |
| Return on Equity (ROE) | 7.9763% | 2,892 |
| Retained earnings to average equity (ytd only) | 7.9763% | 1,446 |
| Net charge-offs to loans | 0.3258% | 3,695 |
| Credit loss provision to net charge-offs | 193.5484% | 2,035 |
| Earnings coverage of net charge-offs (x) | 5.5806% | 2,639 |
| Efficiency ratio | 76.3984% | 3,000 |
| Assets per employee ($millions) | 2.6116% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5503% | 1,239 |
| Loan loss allowance to noncurrent loans | 133.4239% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5017% | 2,880 |
| Noncurrent loans to loans | 1.9114% | 3,853 |
| Net loans and leases to total assets | 59.8663% | 5,086 |
| Net loans and leases to deposits | 75.7214% | 4,376 |
| Net loans and leases to core deposits | 79.3265% | 4,770 |
| Total domestic deposits to total assets | 79.0612% | 6,020 |
| Equity capital to assets | 9.4658% | 4,757 |
| Core capital (leverage) ratio | 8.6207% | 5,206 |
| Tier 1 risk-based capital ratio | 13.3316% | 4,179 |
| Total risk-based capital ratio | 14.6112% | 4,126 |
| Memoranda: | ||
| Average total assets | $64,062,000 | 6,177 |
| Average earning assets | $59,298,000 | 6,128 |
| Average equity | $5,742,000 | 6,548 |
| Average total loans | $38,063,000 | 6,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3430% | 3,328 |
| Cost of funding earning assets | 1.4834% | 3,671 |
| Net interest margin | 3.8595% | 3,511 |
| Noninterest income to average assets | 1.0748% | 1,097 |
| Noninterest expense to average assets | 3.4840% | 2,025 |
| Loan and lease loss provision to assets | 0.3706% | 3,145 |
| Net operating income to assets | 0.7227% | 3,342 |
| Return on assets (ROA) | 0.7227% | 3,455 |
| Pretax return on assets | 0.7722% | 3,983 |
| Return on Equity (ROE) | 8.2883% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.2883% | 1,594 |
| Net charge-offs to loans | 0.0106% | 5,441 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 187 |
| Efficiency ratio | 75.3004% | 3,346 |
| Assets per employee ($millions) | 2.7109% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6014% | 1,175 |
| Loan loss allowance to noncurrent loans | 116.7458% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5545% | 2,841 |
| Noncurrent loans to loans | 2.2283% | 3,488 |
| Net loans and leases to total assets | 56.5676% | 5,666 |
| Net loans and leases to deposits | 70.6113% | 5,252 |
| Net loans and leases to core deposits | 74.6289% | 5,429 |
| Total domestic deposits to total assets | 80.1113% | 5,745 |
| Equity capital to assets | 8.8485% | 5,468 |
| Core capital (leverage) ratio | 8.3984% | 5,566 |
| Tier 1 risk-based capital ratio | 13.3248% | 4,105 |
| Total risk-based capital ratio | 14.5912% | 4,052 |
| Memoranda: | ||
| Average total assets | $64,754,000 | 6,217 |
| Average earning assets | $59,592,500 | 6,189 |
| Average equity | $5,646,500 | 6,633 |
| Average total loans | $37,842,000 | 6,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 3,474 |
| Cost of funding earning assets | 1.8459% | 3,757 |
| Net interest margin | 3.7784% | 3,806 |
| Noninterest income to average assets | 0.9279% | 1,838 |
| Noninterest expense to average assets | 3.4208% | 2,614 |
| Loan and lease loss provision to assets | 1.4607% | 1,581 |
| Net operating income to assets | -0.2928% | 5,961 |
| Return on assets (ROA) | 0.0424% | 5,412 |
| Pretax return on assets | 0.0711% | 5,273 |
| Return on Equity (ROE) | 0.4870% | 5,395 |
| Retained earnings to average equity (ytd only) | -0.3305% | 5,035 |
| Net charge-offs to loans | 1.7279% | 1,449 |
| Credit loss provision to net charge-offs | 138.8489% | 3,532 |
| Earnings coverage of net charge-offs (x) | 0.9583% | 5,154 |
| Efficiency ratio | 77.2386% | 3,323 |
| Assets per employee ($millions) | 2.6853% | 6,879 |
| Cash dividends to net income (ytd only)* | 167.8571% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,306 |
| Loan loss allowance to noncurrent loans | 103.7037% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 2,609 |
| Noncurrent loans to loans | 2.3511% | 3,227 |
| Net loans and leases to total assets | 57.3705% | 5,763 |
| Net loans and leases to deposits | 71.4717% | 5,406 |
| Net loans and leases to core deposits | 80.6250% | 6,025 |
| Total domestic deposits to total assets | 80.2703% | 5,595 |
| Equity capital to assets | 8.5901% | 5,738 |
| Core capital (leverage) ratio | 8.0601% | 6,064 |
| Tier 1 risk-based capital ratio | 13.0431% | 4,118 |
| Total risk-based capital ratio | 14.3050% | 4,053 |
| Memoranda: | ||
| Average total assets | $66,065,600 | 6,137 |
| Average earning assets | $61,216,800 | 6,086 |
| Average equity | $5,749,400 | 6,694 |
| Average total loans | $40,222,600 | 6,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 3,317 |
| Cost of funding earning assets | 1.9167% | 3,789 |
| Net interest margin | 3.7880% | 3,709 |
| Noninterest income to average assets | 0.9147% | 1,921 |
| Noninterest expense to average assets | 3.3598% | 2,691 |
| Loan and lease loss provision to assets | 0.8485% | 2,257 |
| Net operating income to assets | 0.2074% | 5,123 |
| Return on assets (ROA) | 0.6419% | 3,515 |
| Pretax return on assets | 0.7041% | 3,841 |
| Return on Equity (ROE) | 7.3527% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.6174% | 1,660 |
| Net charge-offs to loans | 0.6633% | 2,702 |
| Credit loss provision to net charge-offs | 208.3744% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.6404% | 3,899 |
| Efficiency ratio | 75.7576% | 3,554 |
| Assets per employee ($millions) | 2.6345% | 6,980 |
| Cash dividends to net income (ytd only)* | 10.0009% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 1,344 |
| Loan loss allowance to noncurrent loans | 70.4271% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 3.5143% | 1,890 |
| Noncurrent loans to loans | 3.2013% | 2,365 |
| Net loans and leases to total assets | 59.9285% | 5,593 |
| Net loans and leases to deposits | 76.8144% | 4,925 |
| Net loans and leases to core deposits | 87.9264% | 5,649 |
| Total domestic deposits to total assets | 78.0173% | 6,085 |
| Equity capital to assets | 9.6652% | 4,541 |
| Core capital (leverage) ratio | 8.6808% | 5,161 |
| Tier 1 risk-based capital ratio | 14.1089% | 3,485 |
| Total risk-based capital ratio | 15.3243% | 3,447 |
| Memoranda: | ||
| Average total assets | $66,470,500 | 6,171 |
| Average earning assets | $61,771,750 | 6,114 |
| Average equity | $5,802,750 | 6,735 |
| Average total loans | $40,804,000 | 6,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 3,947 |
| Cost of funding earning assets | 2.0136% | 3,706 |
| Net interest margin | 3.6099% | 4,323 |
| Noninterest income to average assets | 0.8408% | 2,214 |
| Noninterest expense to average assets | 3.3545% | 2,773 |
| Loan and lease loss provision to assets | 0.9978% | 1,686 |
| Net operating income to assets | -0.1351% | 6,077 |
| Return on assets (ROA) | 0.3079% | 4,976 |
| Pretax return on assets | 0.3523% | 5,070 |
| Return on Equity (ROE) | 3.6491% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.0877% | 3,599 |
| Net charge-offs to loans | 0.4966% | 2,842 |
| Credit loss provision to net charge-offs | 327.1845% | 1,425 |
| Earnings coverage of net charge-offs (x) | 2.7573% | 3,706 |
| Efficiency ratio | 79.9577% | 3,050 |
| Assets per employee ($millions) | 2.6191% | 7,015 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 1,193 |
| Loan loss allowance to noncurrent loans | 49.5536% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 4.0243% | 1,465 |
| Noncurrent loans to loans | 4.4973% | 1,428 |
| Net loans and leases to total assets | 59.4978% | 5,765 |
| Net loans and leases to deposits | 76.4632% | 5,101 |
| Net loans and leases to core deposits | 87.4635% | 5,768 |
| Total domestic deposits to total assets | 77.8124% | 6,127 |
| Equity capital to assets | 8.6838% | 5,780 |
| Core capital (leverage) ratio | 7.5607% | 6,947 |
| Tier 1 risk-based capital ratio | 12.7564% | 4,316 |
| Total risk-based capital ratio | 13.9662% | 4,261 |
| Memoranda: | ||
| Average total assets | $67,551,670 | 6,169 |
| Average earning assets | $62,772,000 | 6,120 |
| Average equity | $5,700,000 | 6,829 |
| Average total loans | $41,483,670 | 6,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 4,741 |
| Cost of funding earning assets | 2.0306% | 3,984 |
| Net interest margin | 3.5016% | 4,731 |
| Noninterest income to average assets | 0.7057% | 2,855 |
| Noninterest expense to average assets | 3.0676% | 3,500 |
| Loan and lease loss provision to assets | 0.2099% | 4,341 |
| Net operating income to assets | 0.6273% | 3,901 |
| Return on assets (ROA) | 1.2130% | 1,731 |
| Pretax return on assets | 1.3063% | 2,262 |
| Return on Equity (ROE) | 14.5786% | 1,057 |
| Retained earnings to average equity (ytd only) | 14.2982% | 487 |
| Net charge-offs to loans | 0.5957% | 1,985 |
| Credit loss provision to net charge-offs | 57.1429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 2.4127% | 3,525 |
| Efficiency ratio | 77.5811% | 3,243 |
| Assets per employee ($millions) | 2.9588% | 6,258 |
| Cash dividends to net income (ytd only)* | 1.9231% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,012 |
| Loan loss allowance to noncurrent loans | 30.4813% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 3.3262% | 1,642 |
| Noncurrent loans to loans | 4.9102% | 1,111 |
| Net loans and leases to total assets | 58.1099% | 5,925 |
| Net loans and leases to deposits | 72.1013% | 5,733 |
| Net loans and leases to core deposits | 77.7177% | 6,554 |
| Total domestic deposits to total assets | 80.5948% | 5,133 |
| Equity capital to assets | 8.1296% | 6,626 |
| Core capital (leverage) ratio | 8.3481% | 5,820 |
| Tier 1 risk-based capital ratio | 12.1958% | 4,794 |
| Total risk-based capital ratio | 13.4556% | 4,690 |
| Memoranda: | ||
| Average total assets | $68,588,500 | 6,152 |
| Average earning assets | $63,628,000 | 6,122 |
| Average equity | $5,707,000 | 6,875 |
| Average total loans | $42,302,500 | 6,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2211% | 4,410 |
| Cost of funding earning assets | 2.7361% | 2,991 |
| Net interest margin | 3.4850% | 5,347 |
| Noninterest income to average assets | 0.3400% | 6,019 |
| Noninterest expense to average assets | 3.1654% | 3,468 |
| Loan and lease loss provision to assets | 0.3568% | 3,545 |
| Net operating income to assets | 0.0636% | 6,199 |
| Return on assets (ROA) | 0.0658% | 6,046 |
| Pretax return on assets | 0.0919% | 5,962 |
| Return on Equity (ROE) | 0.8110% | 5,972 |
| Retained earnings to average equity (ytd only) | -4.8849% | 6,494 |
| Net charge-offs to loans | 0.5587% | 2,143 |
| Credit loss provision to net charge-offs | 87.9245% | 5,724 |
| Earnings coverage of net charge-offs (x) | 1.0981% | 5,574 |
| Efficiency ratio | 87.6590% | 1,705 |
| Assets per employee ($millions) | 2.5448% | 7,124 |
| Cash dividends to net income (ytd only)* | 702.3256% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 2,534 |
| Loan loss allowance to noncurrent loans | 29.7543% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 3.7089% | 1,165 |
| Noncurrent loans to loans | 5.1460% | 833 |
| Net loans and leases to total assets | 63.5668% | 5,358 |
| Net loans and leases to deposits | 83.6828% | 4,471 |
| Net loans and leases to core deposits | 100.3053% | 4,798 |
| Total domestic deposits to total assets | 75.9616% | 6,249 |
| Equity capital to assets | 8.5257% | 6,044 |
| Core capital (leverage) ratio | 8.3746% | 5,808 |
| Tier 1 risk-based capital ratio | 12.2086% | 4,658 |
| Total risk-based capital ratio | 13.4610% | 4,550 |
| Memoranda: | ||
| Average total assets | $65,300,400 | 6,184 |
| Average earning assets | $61,291,400 | 6,122 |
| Average equity | $5,302,000 | 7,041 |
| Average total loans | $47,430,200 | 5,805 |