Home > Home State Bank & Trust Co. of McPherson, Kansas > Performance and Condition Ratios
Home State Bank & Trust Co. of McPherson, Kansas, 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 | 4.7852% | 1,361 |
| Cost of funding earning assets | 0.6000% | 2,938 |
| Net interest margin | 4.1852% | 1,314 |
| Noninterest income to average assets | 0.6845% | 2,721 |
| Noninterest expense to average assets | 2.8218% | 3,599 |
| Loan and lease loss provision to assets | 0.1708% | 2,203 |
| Net operating income to assets | 1.0431% | 2,140 |
| Return on assets (ROA) | 1.0431% | 2,261 |
| Pretax return on assets | 1.3447% | 2,145 |
| Return on Equity (ROE) | 7.2976% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.2976% | 1,745 |
| Net charge-offs to loans | 0.1015% | 3,346 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,019 |
| Efficiency ratio | 62.5984% | 5,080 |
| Assets per employee ($millions) | 3.4728% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 6,676 |
| Loan loss allowance to noncurrent loans | 42.0908% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 4,165 |
| Noncurrent loans to loans | 1.2704% | 3,430 |
| Net loans and leases to total assets | 40.9769% | 5,970 |
| Net loans and leases to deposits | 51.5052% | 5,727 |
| Net loans and leases to core deposits | 56.5214% | 5,561 |
| Total domestic deposits to total assets | 79.5587% | 5,704 |
| Equity capital to assets | 14.2020% | 904 |
| Core capital (leverage) ratio | 11.6175% | 1,848 |
| Tier 1 risk-based capital ratio | 16.3122% | 3,031 |
| Total risk-based capital ratio | 16.6275% | 3,509 |
| Memoranda: | ||
| Average total assets | $140,549,330 | 3,937 |
| Average earning assets | $122,669,330 | 4,068 |
| Average equity | $20,088,670 | 3,198 |
| Average total loans | $59,111,670 | 4,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 276 |
| Cost of funding earning assets | 0.6066% | 3,047 |
| Net interest margin | 5.0817% | 249 |
| Noninterest income to average assets | 0.6961% | 2,610 |
| Noninterest expense to average assets | 2.8634% | 3,492 |
| Loan and lease loss provision to assets | 0.1698% | 2,163 |
| Net operating income to assets | 1.4515% | 954 |
| Return on assets (ROA) | 1.4515% | 1,033 |
| Pretax return on assets | 2.1193% | 473 |
| Return on Equity (ROE) | 10.1238% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.1238% | 1,077 |
| Net charge-offs to loans | 0.1266% | 2,660 |
| Credit loss provision to net charge-offs | 315.7895% | 767 |
| Earnings coverage of net charge-offs (x) | 42.5789% | 749 |
| Efficiency ratio | 53.5420% | 6,260 |
| Assets per employee ($millions) | 3.4593% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 6,837 |
| Loan loss allowance to noncurrent loans | 35.0614% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 4,336 |
| Noncurrent loans to loans | 1.2187% | 3,736 |
| Net loans and leases to total assets | 42.2256% | 5,829 |
| Net loans and leases to deposits | 54.5229% | 5,393 |
| Net loans and leases to core deposits | 59.8686% | 5,157 |
| Total domestic deposits to total assets | 77.4457% | 6,199 |
| Equity capital to assets | 14.4418% | 893 |
| Core capital (leverage) ratio | 11.4881% | 1,894 |
| Tier 1 risk-based capital ratio | 15.6686% | 3,443 |
| Total risk-based capital ratio | 15.9272% | 4,015 |
| Memoranda: | ||
| Average total assets | $141,369,000 | 3,958 |
| Average earning assets | $123,973,500 | 4,066 |
| Average equity | $20,269,000 | 3,222 |
| Average total loans | $60,054,000 | 4,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 4,729 |
| Cost of funding earning assets | 0.7899% | 2,749 |
| Net interest margin | 3.3714% | 4,991 |
| Noninterest income to average assets | 0.8945% | 1,876 |
| Noninterest expense to average assets | 2.8720% | 3,755 |
| Loan and lease loss provision to assets | 0.1451% | 3,795 |
| Net operating income to assets | 0.6169% | 4,158 |
| Return on assets (ROA) | 0.6244% | 4,380 |
| Pretax return on assets | 0.7999% | 4,296 |
| Return on Equity (ROE) | 4.6439% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.6439% | 2,948 |
| Net charge-offs to loans | -0.0065% | 6,412 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5327% | 3,316 |
| Assets per employee ($millions) | 3.4368% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3602% | 6,920 |
| Loan loss allowance to noncurrent loans | 23.0277% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 4,096 |
| Noncurrent loans to loans | 1.5643% | 3,273 |
| Net loans and leases to total assets | 42.4010% | 5,959 |
| Net loans and leases to deposits | 55.3096% | 5,514 |
| Net loans and leases to core deposits | 60.8312% | 5,290 |
| Total domestic deposits to total assets | 76.6612% | 6,267 |
| Equity capital to assets | 14.2328% | 963 |
| Core capital (leverage) ratio | 10.9051% | 2,338 |
| Tier 1 risk-based capital ratio | 11.3288% | 6,198 |
| Total risk-based capital ratio | 11.4917% | 6,601 |
| Memoranda: | ||
| Average total assets | $144,775,200 | 3,863 |
| Average earning assets | $125,081,600 | 3,994 |
| Average equity | $19,466,600 | 3,264 |
| Average total loans | $61,915,800 | 4,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 5,131 |
| Cost of funding earning assets | 0.8312% | 2,697 |
| Net interest margin | 3.2842% | 5,439 |
| Noninterest income to average assets | 0.9679% | 1,602 |
| Noninterest expense to average assets | 2.8159% | 3,933 |
| Loan and lease loss provision to assets | 0.1372% | 3,830 |
| Net operating income to assets | 0.6352% | 4,212 |
| Return on assets (ROA) | 0.6450% | 4,423 |
| Pretax return on assets | 0.8508% | 4,303 |
| Return on Equity (ROE) | 4.8654% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.8654% | 3,466 |
| Net charge-offs to loans | -0.0043% | 6,261 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4768% | 3,418 |
| Assets per employee ($millions) | 3.5554% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2536% | 7,067 |
| Loan loss allowance to noncurrent loans | 13.9746% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 4,206 |
| Noncurrent loans to loans | 1.8148% | 3,057 |
| Net loans and leases to total assets | 41.5501% | 6,159 |
| Net loans and leases to deposits | 53.5564% | 5,840 |
| Net loans and leases to core deposits | 58.6405% | 5,693 |
| Total domestic deposits to total assets | 77.5820% | 6,146 |
| Equity capital to assets | 13.6845% | 1,277 |
| Core capital (leverage) ratio | 10.5768% | 2,823 |
| Tier 1 risk-based capital ratio | 11.3963% | 6,296 |
| Total risk-based capital ratio | 11.5150% | 6,710 |
| Memoranda: | ||
| Average total assets | $145,742,250 | 3,885 |
| Average earning assets | $125,282,500 | 4,035 |
| Average equity | $19,319,500 | 3,315 |
| Average total loans | $62,404,250 | 4,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 5,021 |
| Cost of funding earning assets | 0.8897% | 2,483 |
| Net interest margin | 3.2917% | 5,462 |
| Noninterest income to average assets | 0.9167% | 1,724 |
| Noninterest expense to average assets | 2.8641% | 3,769 |
| Loan and lease loss provision to assets | 0.1235% | 3,985 |
| Net operating income to assets | 0.5923% | 4,404 |
| Return on assets (ROA) | 0.5901% | 4,671 |
| Pretax return on assets | 0.7493% | 4,657 |
| Return on Equity (ROE) | 4.5003% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.5003% | 3,614 |
| Net charge-offs to loans | 0.0032% | 5,475 |
| Credit loss provision to net charge-offs | 9,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 638.0000% | 53 |
| Efficiency ratio | 73.9083% | 3,089 |
| Assets per employee ($millions) | 3.5153% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1482% | 7,159 |
| Loan loss allowance to noncurrent loans | 6.2074% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 3,760 |
| Noncurrent loans to loans | 2.3875% | 2,510 |
| Net loans and leases to total assets | 42.5390% | 6,148 |
| Net loans and leases to deposits | 53.9714% | 5,867 |
| Net loans and leases to core deposits | 59.0682% | 5,686 |
| Total domestic deposits to total assets | 78.8176% | 5,992 |
| Equity capital to assets | 13.5233% | 1,295 |
| Core capital (leverage) ratio | 10.3067% | 3,039 |
| Tier 1 risk-based capital ratio | 11.4961% | 6,218 |
| Total risk-based capital ratio | 11.5684% | 6,737 |
| Memoranda: | ||
| Average total assets | $145,732,670 | 3,908 |
| Average earning assets | $124,981,000 | 4,049 |
| Average equity | $19,110,000 | 3,340 |
| Average total loans | $62,965,000 | 4,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 5,126 |
| Cost of funding earning assets | 0.9286% | 2,451 |
| Net interest margin | 3.2645% | 5,598 |
| Noninterest income to average assets | 0.8872% | 1,806 |
| Noninterest expense to average assets | 2.7188% | 4,359 |
| Loan and lease loss provision to assets | 0.0819% | 4,364 |
| Net operating income to assets | 0.7169% | 3,798 |
| Return on assets (ROA) | 0.7125% | 4,038 |
| Pretax return on assets | 0.8735% | 4,136 |
| Return on Equity (ROE) | 5.5181% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.5181% | 3,247 |
| Net charge-offs to loans | -0.0314% | 6,364 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7359% | 3,490 |
| Assets per employee ($millions) | 3.3798% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0590% | 7,230 |
| Loan loss allowance to noncurrent loans | 2.5308% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,023 |
| Noncurrent loans to loans | 2.3310% | 2,774 |
| Net loans and leases to total assets | 42.1502% | 6,180 |
| Net loans and leases to deposits | 54.0726% | 5,802 |
| Net loans and leases to core deposits | 59.6466% | 5,565 |
| Total domestic deposits to total assets | 77.9512% | 6,267 |
| Equity capital to assets | 12.8699% | 1,498 |
| Core capital (leverage) ratio | 9.7492% | 3,708 |
| Tier 1 risk-based capital ratio | 11.4416% | 6,317 |
| Total risk-based capital ratio | 11.4713% | 6,822 |
| Memoranda: | ||
| Average total assets | $146,534,500 | 3,927 |
| Average earning assets | $125,350,000 | 4,076 |
| Average equity | $18,919,500 | 3,362 |
| Average total loans | $63,746,500 | 4,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3732% | 7,341 |
| Cost of funding earning assets | 0.0826% | 7,317 |
| Net interest margin | 0.2905% | 7,343 |
| Noninterest income to average assets | 0.0829% | 6,706 |
| Noninterest expense to average assets | 0.2568% | 7,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0649% | 5,934 |
| Return on assets (ROA) | 0.0649% | 6,048 |
| Pretax return on assets | 0.0858% | 5,989 |
| Return on Equity (ROE) | 0.6825% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.6825% | 5,528 |
| Net charge-offs to loans | -0.0029% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9455% | 3,067 |
| Assets per employee ($millions) | 3.0075% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0031% | 7,294 |
| Loan loss allowance to noncurrent loans | 0.2334% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 4,825 |
| Noncurrent loans to loans | 1.3231% | 4,168 |
| Net loans and leases to total assets | 44.8690% | 6,128 |
| Net loans and leases to deposits | 58.2262% | 5,677 |
| Net loans and leases to core deposits | 63.7520% | 5,489 |
| Total domestic deposits to total assets | 77.0598% | 6,332 |
| Equity capital to assets | 12.9539% | 1,512 |
| Core capital (leverage) ratio | 10.2037% | 3,083 |
| Tier 1 risk-based capital ratio | 11.8507% | 5,932 |
| Total risk-based capital ratio | 11.8524% | 6,619 |
| Memoranda: | ||
| Average total assets | $133,968,400 | 4,094 |
| Average earning assets | $119,789,200 | 4,136 |
| Average equity | $12,747,000 | 4,384 |
| Average total loans | $67,979,000 | 4,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 2,988 |
| Cost of funding earning assets | 1.1034% | 2,957 |
| Net interest margin | 3.9188% | 3,286 |
| Noninterest income to average assets | 1.0464% | 1,228 |
| Noninterest expense to average assets | 3.5086% | 1,917 |
| Loan and lease loss provision to assets | 0.1015% | 5,176 |
| Net operating income to assets | 0.9521% | 2,522 |
| Return on assets (ROA) | 1.0027% | 2,458 |
| Pretax return on assets | 1.0433% | 3,235 |
| Return on Equity (ROE) | 11.7002% | 1,620 |
| Retained earnings to average equity (ytd only) | 8.1120% | 1,468 |
| Net charge-offs to loans | 0.2249% | 4,032 |
| Credit loss provision to net charge-offs | 86.2069% | 3,914 |
| Earnings coverage of net charge-offs (x) | 9.2760% | 2,070 |
| Efficiency ratio | 76.2630% | 2,806 |
| Assets per employee ($millions) | 2.6509% | 6,723 |
| Cash dividends to net income (ytd only)* | 30.6680% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,765 |
| Loan loss allowance to noncurrent loans | 99.6283% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 4,565 |
| Noncurrent loans to loans | 1.5835% | 3,922 |
| Net loans and leases to total assets | 50.4561% | 5,645 |
| Net loans and leases to deposits | 62.8130% | 5,317 |
| Net loans and leases to core deposits | 68.7908% | 5,087 |
| Total domestic deposits to total assets | 80.3274% | 5,642 |
| Equity capital to assets | 8.9494% | 5,806 |
| Core capital (leverage) ratio | 8.7153% | 5,383 |
| Tier 1 risk-based capital ratio | 11.8670% | 5,988 |
| Total risk-based capital ratio | 12.9891% | 6,073 |
| Memoranda: | ||
| Average total assets | $131,371,000 | 4,168 |
| Average earning assets | $119,148,250 | 4,174 |
| Average equity | $11,258,750 | 4,743 |
| Average total loans | $68,780,250 | 4,574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 2,878 |
| Cost of funding earning assets | 1.1233% | 3,081 |
| Net interest margin | 3.9367% | 3,140 |
| Noninterest income to average assets | 1.0032% | 1,304 |
| Noninterest expense to average assets | 3.6403% | 1,649 |
| Loan and lease loss provision to assets | 0.0626% | 5,519 |
| Net operating income to assets | 0.8464% | 2,875 |
| Return on assets (ROA) | 0.8948% | 2,765 |
| Pretax return on assets | 0.9360% | 3,486 |
| Return on Equity (ROE) | 10.5990% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.1624% | 1,804 |
| Net charge-offs to loans | 0.3273% | 3,250 |
| Credit loss provision to net charge-offs | 36.2832% | 4,882 |
| Earnings coverage of net charge-offs (x) | 5.4956% | 2,604 |
| Efficiency ratio | 79.3344% | 2,500 |
| Assets per employee ($millions) | 2.6224% | 6,755 |
| Cash dividends to net income (ytd only)* | 32.4232% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 4,075 |
| Loan loss allowance to noncurrent loans | 96.6698% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 4,892 |
| Noncurrent loans to loans | 1.5643% | 4,066 |
| Net loans and leases to total assets | 50.4645% | 5,760 |
| Net loans and leases to deposits | 62.7733% | 5,420 |
| Net loans and leases to core deposits | 68.8110% | 5,210 |
| Total domestic deposits to total assets | 80.3915% | 5,716 |
| Equity capital to assets | 8.7865% | 5,836 |
| Core capital (leverage) ratio | 8.4916% | 5,567 |
| Tier 1 risk-based capital ratio | 11.5037% | 6,166 |
| Total risk-based capital ratio | 12.5617% | 6,304 |
| Memoranda: | ||
| Average total assets | $130,979,670 | 4,208 |
| Average earning assets | $119,287,000 | 4,201 |
| Average equity | $11,057,670 | 4,792 |
| Average total loans | $69,057,330 | 4,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 2,882 |
| Cost of funding earning assets | 1.1747% | 2,986 |
| Net interest margin | 3.8712% | 3,293 |
| Noninterest income to average assets | 1.0206% | 1,268 |
| Noninterest expense to average assets | 3.4864% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0335% | 2,054 |
| Return on assets (ROA) | 1.1244% | 1,798 |
| Pretax return on assets | 1.1733% | 2,472 |
| Return on Equity (ROE) | 13.5969% | 1,064 |
| Retained earnings to average equity (ytd only) | 13.5969% | 513 |
| Net charge-offs to loans | 0.2000% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.0857% | 1,664 |
| Efficiency ratio | 76.3722% | 3,095 |
| Assets per employee ($millions) | 2.7498% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 4,174 |
| Loan loss allowance to noncurrent loans | 97.4098% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 4,237 |
| Noncurrent loans to loans | 1.5471% | 4,146 |
| Net loans and leases to total assets | 52.1403% | 5,561 |
| Net loans and leases to deposits | 65.5491% | 5,035 |
| Net loans and leases to core deposits | 71.5035% | 4,853 |
| Total domestic deposits to total assets | 79.5439% | 6,047 |
| Equity capital to assets | 8.3468% | 6,110 |
| Core capital (leverage) ratio | 8.3489% | 5,714 |
| Tier 1 risk-based capital ratio | 11.1223% | 6,420 |
| Total risk-based capital ratio | 12.1851% | 6,530 |
| Memoranda: | ||
| Average total assets | $130,908,500 | 4,235 |
| Average earning assets | $119,860,000 | 4,227 |
| Average equity | $10,826,000 | 4,840 |
| Average total loans | $69,993,000 | 4,620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 2,825 |
| Cost of funding earning assets | 1.4526% | 2,942 |
| Net interest margin | 3.9142% | 3,423 |
| Noninterest income to average assets | 1.0334% | 1,406 |
| Noninterest expense to average assets | 3.5642% | 2,024 |
| Loan and lease loss provision to assets | 0.1091% | 6,058 |
| Net operating income to assets | 0.8642% | 2,537 |
| Return on assets (ROA) | 0.8965% | 2,539 |
| Pretax return on assets | 0.9220% | 3,189 |
| Return on Equity (ROE) | 10.9806% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.3614% | 1,189 |
| Net charge-offs to loans | 0.0812% | 6,013 |
| Credit loss provision to net charge-offs | 238.9831% | 1,212 |
| Earnings coverage of net charge-offs (x) | 21.8644% | 949 |
| Efficiency ratio | 78.1282% | 2,689 |
| Assets per employee ($millions) | 2.7047% | 6,678 |
| Cash dividends to net income (ytd only)* | 32.9594% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 3,769 |
| Loan loss allowance to noncurrent loans | 114.6470% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 4,432 |
| Noncurrent loans to loans | 1.3535% | 4,451 |
| Net loans and leases to total assets | 53.1669% | 5,757 |
| Net loans and leases to deposits | 66.8439% | 5,284 |
| Net loans and leases to core deposits | 74.6031% | 4,896 |
| Total domestic deposits to total assets | 79.5389% | 5,957 |
| Equity capital to assets | 8.1917% | 6,268 |
| Core capital (leverage) ratio | 8.1075% | 6,000 |
| Tier 1 risk-based capital ratio | 10.7265% | 6,548 |
| Total risk-based capital ratio | 11.8222% | 6,628 |
| Memoranda: | ||
| Average total assets | $129,285,600 | 4,288 |
| Average earning assets | $116,549,400 | 4,302 |
| Average equity | $10,555,000 | 4,972 |
| Average total loans | $72,644,600 | 4,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 2,796 |
| Cost of funding earning assets | 1.5027% | 2,965 |
| Net interest margin | 3.9163% | 3,461 |
| Noninterest income to average assets | 0.8837% | 1,858 |
| Noninterest expense to average assets | 3.3562% | 2,412 |
| Loan and lease loss provision to assets | 0.0444% | 6,643 |
| Net operating income to assets | 0.9775% | 2,310 |
| Return on assets (ROA) | 1.0210% | 2,280 |
| Pretax return on assets | 1.0468% | 3,006 |
| Return on Equity (ROE) | 12.5167% | 1,382 |
| Retained earnings to average equity (ytd only) | 8.8971% | 1,083 |
| Net charge-offs to loans | 0.1274% | 5,280 |
| Credit loss provision to net charge-offs | 61.4286% | 5,653 |
| Earnings coverage of net charge-offs (x) | 14.4859% | 1,512 |
| Efficiency ratio | 76.2251% | 2,900 |
| Assets per employee ($millions) | 2.8559% | 6,471 |
| Cash dividends to net income (ytd only)* | 28.9179% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,612 |
| Loan loss allowance to noncurrent loans | 107.8194% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2354% | 4,682 |
| Noncurrent loans to loans | 1.2726% | 4,730 |
| Net loans and leases to total assets | 53.5685% | 5,906 |
| Net loans and leases to deposits | 68.1929% | 5,393 |
| Net loans and leases to core deposits | 76.7711% | 4,955 |
| Total domestic deposits to total assets | 78.5545% | 6,132 |
| Equity capital to assets | 8.4083% | 6,384 |
| Core capital (leverage) ratio | 8.0982% | 6,203 |
| Tier 1 risk-based capital ratio | 10.9817% | 6,400 |
| Total risk-based capital ratio | 11.9980% | 6,577 |
| Memoranda: | ||
| Average total assets | $129,150,250 | 4,345 |
| Average earning assets | $116,058,000 | 4,385 |
| Average equity | $10,535,000 | 5,042 |
| Average total loans | $73,277,500 | 4,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 2,786 |
| Cost of funding earning assets | 1.5603% | 2,903 |
| Net interest margin | 3.8825% | 3,522 |
| Noninterest income to average assets | 0.7663% | 2,295 |
| Noninterest expense to average assets | 3.3549% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8909% | 2,581 |
| Return on assets (ROA) | 0.8925% | 2,697 |
| Pretax return on assets | 0.9127% | 3,446 |
| Return on Equity (ROE) | 11.0568% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.3905% | 1,679 |
| Net charge-offs to loans | 0.0271% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 525 |
| Efficiency ratio | 78.6418% | 2,635 |
| Assets per employee ($millions) | 2.8267% | 6,515 |
| Cash dividends to net income (ytd only)* | 33.1588% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,614 |
| Loan loss allowance to noncurrent loans | 69.7968% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 4,579 |
| Noncurrent loans to loans | 1.9527% | 3,786 |
| Net loans and leases to total assets | 55.4381% | 5,795 |
| Net loans and leases to deposits | 70.7268% | 5,170 |
| Net loans and leases to core deposits | 79.2445% | 4,779 |
| Total domestic deposits to total assets | 78.3836% | 6,182 |
| Equity capital to assets | 8.2853% | 6,442 |
| Core capital (leverage) ratio | 7.9199% | 6,364 |
| Tier 1 risk-based capital ratio | 10.4204% | 6,744 |
| Total risk-based capital ratio | 11.4321% | 6,891 |
| Memoranda: | ||
| Average total assets | $128,410,330 | 4,392 |
| Average earning assets | $115,749,670 | 4,420 |
| Average equity | $10,364,670 | 5,096 |
| Average total loans | $73,919,330 | 4,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 2,918 |
| Cost of funding earning assets | 1.5726% | 3,123 |
| Net interest margin | 3.8533% | 3,545 |
| Noninterest income to average assets | 0.8432% | 1,835 |
| Noninterest expense to average assets | 3.2946% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0251% | 2,091 |
| Return on assets (ROA) | 1.0282% | 2,136 |
| Pretax return on assets | 1.0313% | 2,964 |
| Return on Equity (ROE) | 12.9128% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.9128% | 632 |
| Net charge-offs to loans | 0.0592% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 29.8182% | 876 |
| Efficiency ratio | 76.2146% | 3,179 |
| Assets per employee ($millions) | 2.8999% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,802 |
| Loan loss allowance to noncurrent loans | 141.9401% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 5,393 |
| Noncurrent loans to loans | 0.9334% | 5,455 |
| Net loans and leases to total assets | 56.7919% | 5,640 |
| Net loans and leases to deposits | 72.9135% | 4,923 |
| Net loans and leases to core deposits | 81.0025% | 4,625 |
| Total domestic deposits to total assets | 77.8894% | 6,344 |
| Equity capital to assets | 7.9827% | 6,674 |
| Core capital (leverage) ratio | 8.0775% | 6,122 |
| Tier 1 risk-based capital ratio | 10.1756% | 6,904 |
| Total risk-based capital ratio | 11.1681% | 7,072 |
| Memoranda: | ||
| Average total assets | $127,602,500 | 4,465 |
| Average earning assets | $115,226,000 | 4,492 |
| Average equity | $10,160,500 | 5,194 |
| Average total loans | $74,339,000 | 4,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8510% | 2,438 |
| Cost of funding earning assets | 1.7827% | 4,088 |
| Net interest margin | 4.0683% | 2,574 |
| Noninterest income to average assets | 0.5434% | 4,083 |
| Noninterest expense to average assets | 3.5788% | 2,201 |
| Loan and lease loss provision to assets | 0.1712% | 5,980 |
| Net operating income to assets | 0.5010% | 3,723 |
| Return on assets (ROA) | 0.4896% | 3,873 |
| Pretax return on assets | 0.5020% | 4,179 |
| Return on Equity (ROE) | 6.1439% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.3863% | 1,630 |
| Net charge-offs to loans | 0.1008% | 6,123 |
| Credit loss provision to net charge-offs | 287.5000% | 1,170 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,585 |
| Efficiency ratio | 83.9379% | 2,359 |
| Assets per employee ($millions) | 2.7714% | 6,714 |
| Cash dividends to net income (ytd only)* | 12.3311% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,400 |
| Loan loss allowance to noncurrent loans | 178.0531% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 4,861 |
| Noncurrent loans to loans | 0.7679% | 5,732 |
| Net loans and leases to total assets | 58.1881% | 5,636 |
| Net loans and leases to deposits | 74.6843% | 4,927 |
| Net loans and leases to core deposits | 90.9817% | 5,015 |
| Total domestic deposits to total assets | 77.9121% | 6,240 |
| Equity capital to assets | 7.9416% | 6,636 |
| Core capital (leverage) ratio | 8.0419% | 6,096 |
| Tier 1 risk-based capital ratio | 10.0102% | 6,862 |
| Total risk-based capital ratio | 11.0300% | 7,025 |
| Memoranda: | ||
| Average total assets | $120,908,000 | 4,538 |
| Average earning assets | $110,562,600 | 4,551 |
| Average equity | $9,635,600 | 5,401 |
| Average total loans | $71,399,600 | 4,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 2,202 |
| Cost of funding earning assets | 1.8302% | 4,234 |
| Net interest margin | 4.1283% | 2,293 |
| Noninterest income to average assets | 0.6880% | 3,104 |
| Noninterest expense to average assets | 3.5067% | 2,265 |
| Loan and lease loss provision to assets | 0.0845% | 6,519 |
| Net operating income to assets | 0.8698% | 2,539 |
| Return on assets (ROA) | 0.8192% | 2,796 |
| Pretax return on assets | 0.8314% | 3,438 |
| Return on Equity (ROE) | 10.2695% | 1,827 |
| Retained earnings to average equity (ytd only) | 9.5032% | 731 |
| Net charge-offs to loans | 0.0508% | 6,204 |
| Credit loss provision to net charge-offs | 281.4815% | 1,495 |
| Earnings coverage of net charge-offs (x) | 32.2214% | 883 |
| Efficiency ratio | 78.3851% | 3,105 |
| Assets per employee ($millions) | 2.6734% | 6,907 |
| Cash dividends to net income (ytd only)* | 7.4625% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,576 |
| Loan loss allowance to noncurrent loans | 114.2857% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.5702% | 4,003 |
| Noncurrent loans to loans | 1.1277% | 5,060 |
| Net loans and leases to total assets | 58.5738% | 5,801 |
| Net loans and leases to deposits | 75.3276% | 5,150 |
| Net loans and leases to core deposits | 92.7758% | 5,155 |
| Total domestic deposits to total assets | 77.7587% | 6,155 |
| Equity capital to assets | 8.4520% | 6,309 |
| Core capital (leverage) ratio | 8.3054% | 5,824 |
| Tier 1 risk-based capital ratio | 10.6095% | 6,332 |
| Total risk-based capital ratio | 11.5818% | 6,590 |
| Memoranda: | ||
| Average total assets | $119,957,250 | 4,594 |
| Average earning assets | $110,003,000 | 4,592 |
| Average equity | $9,568,500 | 5,468 |
| Average total loans | $70,856,250 | 4,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 2,380 |
| Cost of funding earning assets | 1.8766% | 4,386 |
| Net interest margin | 4.0753% | 2,417 |
| Noninterest income to average assets | 0.8661% | 2,114 |
| Noninterest expense to average assets | 3.3761% | 2,700 |
| Loan and lease loss provision to assets | 0.0784% | 6,403 |
| Net operating income to assets | 1.1432% | 1,624 |
| Return on assets (ROA) | 1.1432% | 1,711 |
| Pretax return on assets | 1.1482% | 2,472 |
| Return on Equity (ROE) | 14.6232% | 883 |
| Retained earnings to average equity (ytd only) | 13.8547% | 270 |
| Net charge-offs to loans | 0.0057% | 6,530 |
| Credit loss provision to net charge-offs | 2,350.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 367.5000% | 102 |
| Efficiency ratio | 73.3503% | 4,133 |
| Assets per employee ($millions) | 2.7968% | 6,632 |
| Cash dividends to net income (ytd only)* | 5.2555% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,352 |
| Loan loss allowance to noncurrent loans | 88.8458% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.8601% | 3,389 |
| Noncurrent loans to loans | 1.4478% | 4,326 |
| Net loans and leases to total assets | 57.1221% | 6,075 |
| Net loans and leases to deposits | 73.3217% | 5,564 |
| Net loans and leases to core deposits | 88.8573% | 5,649 |
| Total domestic deposits to total assets | 77.9061% | 6,099 |
| Equity capital to assets | 7.7807% | 7,003 |
| Core capital (leverage) ratio | 8.1915% | 5,997 |
| Tier 1 risk-based capital ratio | 10.8660% | 6,014 |
| Total risk-based capital ratio | 11.8609% | 6,215 |
| Memoranda: | ||
| Average total assets | $119,842,000 | 4,641 |
| Average earning assets | $109,881,670 | 4,627 |
| Average equity | $9,368,670 | 5,555 |
| Average total loans | $70,679,670 | 4,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 2,526 |
| Cost of funding earning assets | 1.9582% | 4,337 |
| Net interest margin | 4.0018% | 2,635 |
| Noninterest income to average assets | 0.8762% | 1,949 |
| Noninterest expense to average assets | 3.4677% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0894% | 1,999 |
| Return on assets (ROA) | 1.0894% | 2,127 |
| Pretax return on assets | 1.0589% | 3,151 |
| Return on Equity (ROE) | 13.9010% | 1,184 |
| Retained earnings to average equity (ytd only) | 13.9010% | 522 |
| Net charge-offs to loans | -0.0170% | 7,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6069% | 3,385 |
| Assets per employee ($millions) | 2.7661% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,544 |
| Loan loss allowance to noncurrent loans | 102.8235% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 3,201 |
| Noncurrent loans to loans | 1.2027% | 4,566 |
| Net loans and leases to total assets | 57.3494% | 6,046 |
| Net loans and leases to deposits | 74.8815% | 5,361 |
| Net loans and leases to core deposits | 88.9671% | 5,649 |
| Total domestic deposits to total assets | 76.5870% | 6,383 |
| Equity capital to assets | 7.8038% | 7,066 |
| Core capital (leverage) ratio | 8.2409% | 6,016 |
| Tier 1 risk-based capital ratio | 11.2247% | 5,676 |
| Total risk-based capital ratio | 12.2384% | 5,814 |
| Memoranda: | ||
| Average total assets | $118,232,500 | 4,698 |
| Average earning assets | $107,852,000 | 4,690 |
| Average equity | $9,265,500 | 5,613 |
| Average total loans | $70,414,000 | 4,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4521% | 3,183 |
| Cost of funding earning assets | 2.4348% | 4,547 |
| Net interest margin | 4.0173% | 3,038 |
| Noninterest income to average assets | 0.8326% | 2,337 |
| Noninterest expense to average assets | 3.4456% | 2,541 |
| Loan and lease loss provision to assets | 0.5603% | 2,578 |
| Net operating income to assets | 0.4978% | 4,745 |
| Return on assets (ROA) | 0.5216% | 4,499 |
| Pretax return on assets | 0.5603% | 4,815 |
| Return on Equity (ROE) | 6.5054% | 3,750 |
| Retained earnings to average equity (ytd only) | -0.1209% | 5,312 |
| Net charge-offs to loans | 0.6721% | 1,836 |
| Credit loss provision to net charge-offs | 129.2683% | 4,126 |
| Earnings coverage of net charge-offs (x) | 2.5264% | 4,812 |
| Efficiency ratio | 75.8828% | 3,249 |
| Assets per employee ($millions) | 2.6081% | 6,988 |
| Cash dividends to net income (ytd only)* | 101.8581% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,223 |
| Loan loss allowance to noncurrent loans | 189.3478% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,952 |
| Noncurrent loans to loans | 0.6557% | 5,398 |
| Net loans and leases to total assets | 60.3747% | 5,856 |
| Net loans and leases to deposits | 78.1314% | 5,320 |
| Net loans and leases to core deposits | 93.1499% | 5,531 |
| Total domestic deposits to total assets | 77.2733% | 5,924 |
| Equity capital to assets | 7.8716% | 7,010 |
| Core capital (leverage) ratio | 8.2514% | 6,054 |
| Tier 1 risk-based capital ratio | 11.4842% | 5,250 |
| Total risk-based capital ratio | 12.5536% | 5,333 |
| Memoranda: | ||
| Average total assets | $113,506,600 | 4,681 |
| Average earning assets | $104,772,600 | 4,655 |
| Average equity | $9,100,200 | 5,708 |
| Average total loans | $73,202,200 | 4,764 |