Home > Kanabec State Bank > Performance and Condition Ratios
Kanabec State Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8277% | 6,322 |
| Cost of funding earning assets | 0.4232% | 3,618 |
| Net interest margin | 2.4045% | 6,357 |
| Noninterest income to average assets | 0.3403% | 4,703 |
| Noninterest expense to average assets | 2.3680% | 4,974 |
| Loan and lease loss provision to assets | 0.0207% | 3,858 |
| Net operating income to assets | 0.2369% | 5,742 |
| Return on assets (ROA) | 0.2604% | 5,762 |
| Pretax return on assets | 0.2604% | 5,853 |
| Return on Equity (ROE) | 2.2746% | 5,769 |
| Retained earnings to average equity (ytd only) | -51.8835% | 6,629 |
| Net charge-offs to loans | 2.1548% | 99 |
| Credit loss provision to net charge-offs | 3.0928% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.3856% | 4,054 |
| Efficiency ratio | 90.1889% | 901 |
| Assets per employee ($millions) | 5.7552% | 1,469 |
| Cash dividends to net income (ytd only)* | 2,380.9524% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 3,056 |
| Loan loss allowance to noncurrent loans | 31.6675% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 1,756 |
| Noncurrent loans to loans | 4.6232% | 462 |
| Net loans and leases to total assets | 31.1848% | 6,273 |
| Net loans and leases to deposits | 34.7696% | 6,330 |
| Net loans and leases to core deposits | 37.8646% | 6,281 |
| Total domestic deposits to total assets | 89.6898% | 977 |
| Equity capital to assets | 10.0025% | 4,102 |
| Core capital (leverage) ratio | 9.5861% | 4,196 |
| Tier 1 risk-based capital ratio | 23.4185% | 1,057 |
| Total risk-based capital ratio | 24.5274% | 1,056 |
| Memoranda: | ||
| Average total assets | $145,185,670 | 3,759 |
| Average earning assets | $137,992,670 | 3,678 |
| Average equity | $16,618,000 | 3,595 |
| Average total loans | $45,016,000 | 5,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8795% | 6,338 |
| Cost of funding earning assets | 0.4267% | 3,676 |
| Net interest margin | 2.4528% | 6,371 |
| Noninterest income to average assets | 0.2582% | 5,290 |
| Noninterest expense to average assets | 1.8989% | 6,066 |
| Loan and lease loss provision to assets | 0.0403% | 3,275 |
| Net operating income to assets | 0.6536% | 3,932 |
| Return on assets (ROA) | 0.6536% | 4,031 |
| Pretax return on assets | 0.6536% | 4,650 |
| Return on Equity (ROE) | 5.3943% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.3943% | 2,857 |
| Net charge-offs to loans | 0.4029% | 903 |
| Credit loss provision to net charge-offs | 32.6087% | 2,373 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 2,354 |
| Efficiency ratio | 73.2365% | 3,271 |
| Assets per employee ($millions) | 6.6385% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3538% | 959 |
| Loan loss allowance to noncurrent loans | 88.3702% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 3,125 |
| Noncurrent loans to loans | 2.6636% | 1,277 |
| Net loans and leases to total assets | 30.6486% | 6,321 |
| Net loans and leases to deposits | 35.1480% | 6,343 |
| Net loans and leases to core deposits | 38.2373% | 6,309 |
| Total domestic deposits to total assets | 87.1986% | 2,704 |
| Equity capital to assets | 12.5015% | 1,578 |
| Core capital (leverage) ratio | 12.3087% | 1,473 |
| Tier 1 risk-based capital ratio | 30.2315% | 518 |
| Total risk-based capital ratio | 31.4886% | 510 |
| Memoranda: | ||
| Average total assets | $148,716,000 | 3,719 |
| Average earning assets | $141,554,000 | 3,646 |
| Average equity | $18,019,000 | 3,425 |
| Average total loans | $45,667,000 | 5,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7458% | 6,523 |
| Cost of funding earning assets | 0.4735% | 3,878 |
| Net interest margin | 2.2723% | 6,541 |
| Noninterest income to average assets | 0.3368% | 4,909 |
| Noninterest expense to average assets | 1.7784% | 6,357 |
| Loan and lease loss provision to assets | 0.0398% | 4,324 |
| Net operating income to assets | 0.6823% | 3,889 |
| Return on assets (ROA) | 0.7274% | 3,757 |
| Pretax return on assets | 0.7274% | 4,429 |
| Return on Equity (ROE) | 6.1274% | 4,014 |
| Retained earnings to average equity (ytd only) | 3.3346% | 3,860 |
| Net charge-offs to loans | 0.6778% | 958 |
| Credit loss provision to net charge-offs | 19.1083% | 4,460 |
| Earnings coverage of net charge-offs (x) | 3.4682% | 3,845 |
| Efficiency ratio | 71.1217% | 3,645 |
| Assets per employee ($millions) | 6.8812% | 813 |
| Cash dividends to net income (ytd only)* | 45.5789% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4399% | 892 |
| Loan loss allowance to noncurrent loans | 82.1614% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 2,967 |
| Noncurrent loans to loans | 2.9696% | 1,157 |
| Net loans and leases to total assets | 29.3184% | 6,486 |
| Net loans and leases to deposits | 33.3293% | 6,500 |
| Net loans and leases to core deposits | 36.5306% | 6,452 |
| Total domestic deposits to total assets | 87.9659% | 2,196 |
| Equity capital to assets | 11.7448% | 1,989 |
| Core capital (leverage) ratio | 11.7955% | 1,761 |
| Tier 1 risk-based capital ratio | 29.2671% | 537 |
| Total risk-based capital ratio | 30.5245% | 531 |
| Memoranda: | ||
| Average total assets | $150,809,000 | 3,691 |
| Average earning assets | $143,600,800 | 3,610 |
| Average equity | $17,903,200 | 3,431 |
| Average total loans | $46,324,200 | 5,102 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7532% | 6,600 |
| Cost of funding earning assets | 0.4832% | 3,934 |
| Net interest margin | 2.2700% | 6,605 |
| Noninterest income to average assets | 0.3310% | 5,036 |
| Noninterest expense to average assets | 1.7920% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7009% | 3,857 |
| Return on assets (ROA) | 0.7611% | 3,682 |
| Pretax return on assets | 0.7611% | 4,454 |
| Return on Equity (ROE) | 6.3937% | 3,981 |
| Retained earnings to average equity (ytd only) | 2.6764% | 4,715 |
| Net charge-offs to loans | 0.1776% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.7749% | 2,094 |
| Efficiency ratio | 71.8850% | 3,426 |
| Assets per employee ($millions) | 7.2119% | 670 |
| Cash dividends to net income (ytd only)* | 58.1394% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8286% | 659 |
| Loan loss allowance to noncurrent loans | 83.1418% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 3,276 |
| Noncurrent loans to loans | 3.4021% | 1,139 |
| Net loans and leases to total assets | 29.5334% | 6,549 |
| Net loans and leases to deposits | 33.4986% | 6,582 |
| Net loans and leases to core deposits | 37.0937% | 6,526 |
| Total domestic deposits to total assets | 88.1630% | 2,021 |
| Equity capital to assets | 11.4791% | 2,320 |
| Core capital (leverage) ratio | 11.5933% | 1,960 |
| Tier 1 risk-based capital ratio | 28.6895% | 583 |
| Total risk-based capital ratio | 29.9510% | 570 |
| Memoranda: | ||
| Average total assets | $150,664,750 | 3,724 |
| Average earning assets | $143,488,250 | 3,646 |
| Average equity | $17,934,000 | 3,467 |
| Average total loans | $46,531,750 | 5,132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7533% | 6,628 |
| Cost of funding earning assets | 0.4948% | 3,949 |
| Net interest margin | 2.2585% | 6,651 |
| Noninterest income to average assets | 0.3391% | 4,962 |
| Noninterest expense to average assets | 1.7500% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7380% | 3,625 |
| Return on assets (ROA) | 0.8072% | 3,405 |
| Pretax return on assets | 0.8072% | 4,287 |
| Return on Equity (ROE) | 6.7009% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.7009% | 2,038 |
| Net charge-offs to loans | 0.4497% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,921 |
| Efficiency ratio | 70.3367% | 3,760 |
| Assets per employee ($millions) | 7.1860% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6944% | 795 |
| Loan loss allowance to noncurrent loans | 86.1149% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 3,703 |
| Noncurrent loans to loans | 3.1288% | 1,414 |
| Net loans and leases to total assets | 30.1302% | 6,573 |
| Net loans and leases to deposits | 34.3523% | 6,595 |
| Net loans and leases to core deposits | 38.0040% | 6,539 |
| Total domestic deposits to total assets | 87.7095% | 2,438 |
| Equity capital to assets | 11.9333% | 1,953 |
| Core capital (leverage) ratio | 11.9784% | 1,628 |
| Tier 1 risk-based capital ratio | 28.8083% | 585 |
| Total risk-based capital ratio | 30.0680% | 571 |
| Memoranda: | ||
| Average total assets | $150,403,330 | 3,760 |
| Average earning assets | $143,102,330 | 3,676 |
| Average equity | $18,117,000 | 3,462 |
| Average total loans | $46,699,000 | 5,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 6,579 |
| Cost of funding earning assets | 0.5010% | 4,080 |
| Net interest margin | 2.4296% | 6,574 |
| Noninterest income to average assets | 0.3170% | 5,159 |
| Noninterest expense to average assets | 1.7502% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8791% | 2,756 |
| Return on assets (ROA) | 0.9830% | 2,430 |
| Pretax return on assets | 0.9830% | 3,433 |
| Return on Equity (ROE) | 8.1226% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.1226% | 1,704 |
| Net charge-offs to loans | 0.3427% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,962 |
| Efficiency ratio | 66.5653% | 4,565 |
| Assets per employee ($millions) | 7.0927% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8458% | 777 |
| Loan loss allowance to noncurrent loans | 84.5466% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 3,634 |
| Noncurrent loans to loans | 3.3659% | 1,438 |
| Net loans and leases to total assets | 30.3470% | 6,593 |
| Net loans and leases to deposits | 34.7318% | 6,610 |
| Net loans and leases to core deposits | 38.0909% | 6,560 |
| Total domestic deposits to total assets | 87.3754% | 2,705 |
| Equity capital to assets | 12.2862% | 1,845 |
| Core capital (leverage) ratio | 12.0423% | 1,539 |
| Tier 1 risk-based capital ratio | 28.6758% | 601 |
| Total risk-based capital ratio | 29.9379% | 591 |
| Memoranda: | ||
| Average total assets | $150,152,500 | 3,803 |
| Average earning assets | $142,907,000 | 3,715 |
| Average equity | $18,171,500 | 3,502 |
| Average total loans | $46,685,000 | 5,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 6,523 |
| Cost of funding earning assets | 0.6923% | 3,560 |
| Net interest margin | 2.6723% | 6,558 |
| Noninterest income to average assets | 0.2613% | 5,598 |
| Noninterest expense to average assets | 2.0157% | 6,295 |
| Loan and lease loss provision to assets | 0.2880% | 2,363 |
| Net operating income to assets | 0.4790% | 4,764 |
| Return on assets (ROA) | 0.5359% | 4,799 |
| Pretax return on assets | 0.5359% | 5,176 |
| Return on Equity (ROE) | 4.2782% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.8764% | 4,220 |
| Net charge-offs to loans | 0.5856% | 1,974 |
| Credit loss provision to net charge-offs | 136.2126% | 2,033 |
| Earnings coverage of net charge-offs (x) | 3.6279% | 3,655 |
| Efficiency ratio | 72.4382% | 3,334 |
| Assets per employee ($millions) | 7.2075% | 707 |
| Cash dividends to net income (ytd only)* | 32.7654% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9117% | 728 |
| Loan loss allowance to noncurrent loans | 92.1622% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 3,988 |
| Noncurrent loans to loans | 3.1594% | 1,632 |
| Net loans and leases to total assets | 30.0486% | 6,697 |
| Net loans and leases to deposits | 34.5021% | 6,727 |
| Net loans and leases to core deposits | 36.3752% | 6,721 |
| Total domestic deposits to total assets | 87.0922% | 2,786 |
| Equity capital to assets | 11.9207% | 2,098 |
| Core capital (leverage) ratio | 11.4919% | 1,883 |
| Tier 1 risk-based capital ratio | 27.7578% | 641 |
| Total risk-based capital ratio | 29.0195% | 627 |
| Memoranda: | ||
| Average total assets | $142,381,200 | 3,910 |
| Average earning assets | $134,340,600 | 3,818 |
| Average equity | $17,834,600 | 3,496 |
| Average total loans | $51,399,600 | 5,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 6,555 |
| Cost of funding earning assets | 0.7144% | 3,647 |
| Net interest margin | 2.7435% | 6,585 |
| Noninterest income to average assets | 0.2674% | 5,640 |
| Noninterest expense to average assets | 2.0094% | 6,340 |
| Loan and lease loss provision to assets | 0.3853% | 1,674 |
| Net operating income to assets | 0.4557% | 5,014 |
| Return on assets (ROA) | 0.5328% | 4,965 |
| Pretax return on assets | 0.5328% | 5,371 |
| Return on Equity (ROE) | 4.1988% | 5,200 |
| Retained earnings to average equity (ytd only) | 4.1988% | 3,938 |
| Net charge-offs to loans | 0.6167% | 1,787 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 3.6379% | 3,571 |
| Efficiency ratio | 70.4940% | 3,596 |
| Assets per employee ($millions) | 6.6253% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 800 |
| Loan loss allowance to noncurrent loans | 82.5277% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 3,287 |
| Noncurrent loans to loans | 3.5160% | 1,544 |
| Net loans and leases to total assets | 32.5315% | 6,720 |
| Net loans and leases to deposits | 37.9670% | 6,754 |
| Net loans and leases to core deposits | 40.4103% | 6,726 |
| Total domestic deposits to total assets | 85.6837% | 3,425 |
| Equity capital to assets | 12.5593% | 1,854 |
| Core capital (leverage) ratio | 12.3520% | 1,472 |
| Tier 1 risk-based capital ratio | 27.5195% | 699 |
| Total risk-based capital ratio | 28.7828% | 684 |
| Memoranda: | ||
| Average total assets | $140,137,000 | 3,982 |
| Average earning assets | $131,944,500 | 3,894 |
| Average equity | $17,782,500 | 3,534 |
| Average total loans | $52,538,250 | 5,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 6,523 |
| Cost of funding earning assets | 0.7308% | 3,766 |
| Net interest margin | 2.8354% | 6,523 |
| Noninterest income to average assets | 0.3992% | 4,654 |
| Noninterest expense to average assets | 2.0729% | 6,287 |
| Loan and lease loss provision to assets | 0.4340% | 1,500 |
| Net operating income to assets | 0.5584% | 4,546 |
| Return on assets (ROA) | 0.6104% | 4,579 |
| Pretax return on assets | 0.6104% | 5,101 |
| Return on Equity (ROE) | 4.7933% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.7933% | 3,416 |
| Net charge-offs to loans | 0.4612% | 2,222 |
| Credit loss provision to net charge-offs | 241.9355% | 1,184 |
| Earnings coverage of net charge-offs (x) | 5.5323% | 2,814 |
| Efficiency ratio | 67.6262% | 4,204 |
| Assets per employee ($millions) | 6.3421% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7044% | 1,028 |
| Loan loss allowance to noncurrent loans | 65.2233% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 2,843 |
| Noncurrent loans to loans | 4.1464% | 1,322 |
| Net loans and leases to total assets | 36.8975% | 6,555 |
| Net loans and leases to deposits | 43.2360% | 6,588 |
| Net loans and leases to core deposits | 46.1797% | 6,566 |
| Total domestic deposits to total assets | 85.3398% | 3,691 |
| Equity capital to assets | 12.8319% | 1,600 |
| Core capital (leverage) ratio | 12.6811% | 1,273 |
| Tier 1 risk-based capital ratio | 26.2513% | 783 |
| Total risk-based capital ratio | 27.5138% | 770 |
| Memoranda: | ||
| Average total assets | $138,263,670 | 4,042 |
| Average earning assets | $130,001,000 | 3,960 |
| Average equity | $17,608,000 | 3,555 |
| Average total loans | $53,773,000 | 5,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 6,522 |
| Cost of funding earning assets | 0.7644% | 3,755 |
| Net interest margin | 2.8782% | 6,516 |
| Noninterest income to average assets | 0.3836% | 4,802 |
| Noninterest expense to average assets | 2.0664% | 6,349 |
| Loan and lease loss provision to assets | 0.4359% | 1,434 |
| Net operating income to assets | 0.5842% | 4,423 |
| Return on assets (ROA) | 0.6568% | 4,309 |
| Pretax return on assets | 0.6568% | 4,921 |
| Return on Equity (ROE) | 5.1775% | 4,702 |
| Retained earnings to average equity (ytd only) | 5.1775% | 3,455 |
| Net charge-offs to loans | 0.2361% | 2,750 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 10.9688% | 1,711 |
| Efficiency ratio | 66.9492% | 4,365 |
| Assets per employee ($millions) | 6.5185% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5532% | 1,283 |
| Loan loss allowance to noncurrent loans | 65.0403% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 3,365 |
| Noncurrent loans to loans | 3.9255% | 1,566 |
| Net loans and leases to total assets | 38.2814% | 6,477 |
| Net loans and leases to deposits | 44.8537% | 6,507 |
| Net loans and leases to core deposits | 47.8496% | 6,467 |
| Total domestic deposits to total assets | 85.3473% | 3,858 |
| Equity capital to assets | 12.8111% | 1,537 |
| Core capital (leverage) ratio | 12.6223% | 1,278 |
| Tier 1 risk-based capital ratio | 25.4734% | 858 |
| Total risk-based capital ratio | 26.7339% | 834 |
| Memoranda: | ||
| Average total assets | $137,632,000 | 4,080 |
| Average earning assets | $129,246,000 | 4,001 |
| Average equity | $17,460,000 | 3,577 |
| Average total loans | $54,203,000 | 5,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 6,372 |
| Cost of funding earning assets | 0.9292% | 3,883 |
| Net interest margin | 3.1171% | 6,305 |
| Noninterest income to average assets | 0.3573% | 4,953 |
| Noninterest expense to average assets | 2.2497% | 6,163 |
| Loan and lease loss provision to assets | 0.6132% | 1,685 |
| Net operating income to assets | 0.4080% | 4,824 |
| Return on assets (ROA) | 0.4453% | 4,874 |
| Pretax return on assets | 0.4468% | 5,137 |
| Return on Equity (ROE) | 3.4914% | 5,078 |
| Retained earnings to average equity (ytd only) | 1.7369% | 4,984 |
| Net charge-offs to loans | 2.1654% | 600 |
| Credit loss provision to net charge-offs | 65.4980% | 5,009 |
| Earnings coverage of net charge-offs (x) | 1.0924% | 4,969 |
| Efficiency ratio | 68.7486% | 4,201 |
| Assets per employee ($millions) | 6.0163% | 1,218 |
| Cash dividends to net income (ytd only)* | 50.2513% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 1,618 |
| Loan loss allowance to noncurrent loans | 65.0259% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 3,555 |
| Noncurrent loans to loans | 3.5329% | 1,817 |
| Net loans and leases to total assets | 38.5727% | 6,626 |
| Net loans and leases to deposits | 45.0799% | 6,670 |
| Net loans and leases to core deposits | 49.1030% | 6,582 |
| Total domestic deposits to total assets | 85.5653% | 3,559 |
| Equity capital to assets | 12.5622% | 1,765 |
| Core capital (leverage) ratio | 12.3085% | 1,433 |
| Tier 1 risk-based capital ratio | 24.5736% | 915 |
| Total risk-based capital ratio | 25.8313% | 905 |
| Memoranda: | ||
| Average total assets | $134,060,200 | 4,093 |
| Average earning assets | $125,373,000 | 4,027 |
| Average equity | $17,099,400 | 3,563 |
| Average total loans | $57,956,200 | 4,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 6,322 |
| Cost of funding earning assets | 0.9616% | 3,946 |
| Net interest margin | 3.1862% | 6,194 |
| Noninterest income to average assets | 0.3319% | 5,210 |
| Noninterest expense to average assets | 2.1997% | 6,282 |
| Loan and lease loss provision to assets | 0.6236% | 1,573 |
| Net operating income to assets | 0.4853% | 4,602 |
| Return on assets (ROA) | 0.5234% | 4,621 |
| Pretax return on assets | 0.5234% | 5,067 |
| Return on Equity (ROE) | 4.0871% | 4,958 |
| Retained earnings to average equity (ytd only) | 1.7382% | 5,276 |
| Net charge-offs to loans | 1.6057% | 883 |
| Credit loss provision to net charge-offs | 87.8531% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.5621% | 4,464 |
| Efficiency ratio | 66.4848% | 4,624 |
| Assets per employee ($millions) | 6.2494% | 1,058 |
| Cash dividends to net income (ytd only)* | 57.4715% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7660% | 1,062 |
| Loan loss allowance to noncurrent loans | 64.9230% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 3,275 |
| Noncurrent loans to loans | 4.2605% | 1,534 |
| Net loans and leases to total assets | 40.9348% | 6,564 |
| Net loans and leases to deposits | 47.8795% | 6,628 |
| Net loans and leases to core deposits | 51.4899% | 6,596 |
| Total domestic deposits to total assets | 85.4954% | 3,499 |
| Equity capital to assets | 12.5721% | 1,869 |
| Core capital (leverage) ratio | 12.6024% | 1,387 |
| Tier 1 risk-based capital ratio | 23.8334% | 1,032 |
| Total risk-based capital ratio | 25.0970% | 1,016 |
| Memoranda: | ||
| Average total assets | $132,981,500 | 4,131 |
| Average earning assets | $124,240,000 | 4,078 |
| Average equity | $17,028,500 | 3,579 |
| Average total loans | $58,787,750 | 4,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 6,132 |
| Cost of funding earning assets | 1.0132% | 3,865 |
| Net interest margin | 3.2484% | 6,009 |
| Noninterest income to average assets | 0.3605% | 4,997 |
| Noninterest expense to average assets | 2.2330% | 6,298 |
| Loan and lease loss provision to assets | 0.4563% | 2,142 |
| Net operating income to assets | 0.6997% | 3,548 |
| Return on assets (ROA) | 0.7484% | 3,424 |
| Pretax return on assets | 0.7484% | 4,220 |
| Return on Equity (ROE) | 5.8077% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.8077% | 2,537 |
| Net charge-offs to loans | 2.0748% | 636 |
| Credit loss provision to net charge-offs | 48.9396% | 4,608 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,360 |
| Efficiency ratio | 65.8887% | 4,894 |
| Assets per employee ($millions) | 5.7151% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 1,695 |
| Loan loss allowance to noncurrent loans | 74.8366% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 3,009 |
| Noncurrent loans to loans | 3.1165% | 2,316 |
| Net loans and leases to total assets | 43.7735% | 6,452 |
| Net loans and leases to deposits | 51.6198% | 6,491 |
| Net loans and leases to core deposits | 55.5417% | 6,449 |
| Total domestic deposits to total assets | 84.8000% | 3,969 |
| Equity capital to assets | 13.1673% | 1,438 |
| Core capital (leverage) ratio | 13.0270% | 1,151 |
| Tier 1 risk-based capital ratio | 23.2601% | 1,084 |
| Total risk-based capital ratio | 24.5184% | 1,065 |
| Memoranda: | ||
| Average total assets | $131,479,670 | 4,194 |
| Average earning assets | $122,582,000 | 4,135 |
| Average equity | $16,943,000 | 3,577 |
| Average total loans | $59,090,000 | 4,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 6,358 |
| Cost of funding earning assets | 1.0477% | 3,869 |
| Net interest margin | 3.1202% | 6,292 |
| Noninterest income to average assets | 0.3802% | 4,872 |
| Noninterest expense to average assets | 2.1263% | 6,578 |
| Loan and lease loss provision to assets | 0.4563% | 1,928 |
| Net operating income to assets | 0.7057% | 3,496 |
| Return on assets (ROA) | 0.7057% | 3,564 |
| Pretax return on assets | 0.7057% | 4,286 |
| Return on Equity (ROE) | 5.5368% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.5368% | 2,891 |
| Net charge-offs to loans | 0.7841% | 1,647 |
| Credit loss provision to net charge-offs | 129.3103% | 2,137 |
| Earnings coverage of net charge-offs (x) | 3.2931% | 2,788 |
| Efficiency ratio | 64.6623% | 5,248 |
| Assets per employee ($millions) | 5.6433% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 975 |
| Loan loss allowance to noncurrent loans | 83.0198% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2505% | 3,004 |
| Noncurrent loans to loans | 3.5288% | 2,111 |
| Net loans and leases to total assets | 43.9336% | 6,478 |
| Net loans and leases to deposits | 51.8673% | 6,484 |
| Net loans and leases to core deposits | 56.1260% | 6,404 |
| Total domestic deposits to total assets | 84.7037% | 4,179 |
| Equity capital to assets | 13.0913% | 1,346 |
| Core capital (leverage) ratio | 12.6516% | 1,268 |
| Tier 1 risk-based capital ratio | 23.2655% | 1,054 |
| Total risk-based capital ratio | 24.5304% | 1,038 |
| Memoranda: | ||
| Average total assets | $131,496,000 | 4,224 |
| Average earning assets | $122,557,000 | 4,172 |
| Average equity | $16,760,500 | 3,598 |
| Average total loans | $59,178,500 | 5,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 6,223 |
| Cost of funding earning assets | 1.3972% | 3,290 |
| Net interest margin | 3.1618% | 6,359 |
| Noninterest income to average assets | 0.4202% | 4,742 |
| Noninterest expense to average assets | 2.4717% | 5,887 |
| Loan and lease loss provision to assets | 0.6506% | 2,537 |
| Net operating income to assets | 0.2334% | 5,167 |
| Return on assets (ROA) | 0.3137% | 5,058 |
| Pretax return on assets | 0.3167% | 5,185 |
| Return on Equity (ROE) | 2.5516% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.5516% | 4,085 |
| Net charge-offs to loans | 0.7772% | 2,694 |
| Credit loss provision to net charge-offs | 187.2570% | 1,743 |
| Earnings coverage of net charge-offs (x) | 2.5508% | 3,835 |
| Efficiency ratio | 73.6089% | 3,472 |
| Assets per employee ($millions) | 5.5498% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8316% | 1,018 |
| Loan loss allowance to noncurrent loans | 80.6883% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 3,090 |
| Noncurrent loans to loans | 3.5094% | 2,152 |
| Net loans and leases to total assets | 43.4878% | 6,753 |
| Net loans and leases to deposits | 51.8178% | 6,756 |
| Net loans and leases to core deposits | 55.1652% | 6,743 |
| Total domestic deposits to total assets | 83.9244% | 4,391 |
| Equity capital to assets | 12.4095% | 1,690 |
| Core capital (leverage) ratio | 11.8329% | 1,651 |
| Tier 1 risk-based capital ratio | 22.5130% | 1,105 |
| Total risk-based capital ratio | 23.7760% | 1,089 |
| Memoranda: | ||
| Average total assets | $133,267,000 | 4,196 |
| Average earning assets | $123,823,400 | 4,155 |
| Average equity | $16,381,600 | 3,693 |
| Average total loans | $59,573,600 | 5,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 6,418 |
| Cost of funding earning assets | 1.4489% | 3,280 |
| Net interest margin | 3.1198% | 6,567 |
| Noninterest income to average assets | 0.4442% | 4,607 |
| Noninterest expense to average assets | 2.3088% | 6,298 |
| Loan and lease loss provision to assets | 0.5172% | 2,872 |
| Net operating income to assets | 0.5132% | 4,249 |
| Return on assets (ROA) | 0.5552% | 4,242 |
| Pretax return on assets | 0.5572% | 4,735 |
| Return on Equity (ROE) | 4.5273% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.5273% | 3,321 |
| Net charge-offs to loans | 1.0297% | 1,960 |
| Credit loss provision to net charge-offs | 112.3913% | 3,756 |
| Earnings coverage of net charge-offs (x) | 2.2435% | 4,050 |
| Efficiency ratio | 69.1018% | 4,246 |
| Assets per employee ($millions) | 5.4759% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,827 |
| Loan loss allowance to noncurrent loans | 72.4082% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.0555% | 3,401 |
| Noncurrent loans to loans | 3.0278% | 2,634 |
| Net loans and leases to total assets | 43.7011% | 6,864 |
| Net loans and leases to deposits | 52.9527% | 6,837 |
| Net loans and leases to core deposits | 56.3275% | 6,838 |
| Total domestic deposits to total assets | 82.5286% | 4,784 |
| Equity capital to assets | 12.4253% | 1,896 |
| Core capital (leverage) ratio | 12.0244% | 1,655 |
| Tier 1 risk-based capital ratio | 22.0119% | 1,205 |
| Total risk-based capital ratio | 23.2687% | 1,176 |
| Memoranda: | ||
| Average total assets | $133,284,750 | 4,243 |
| Average earning assets | $123,767,000 | 4,206 |
| Average equity | $16,344,750 | 3,749 |
| Average total loans | $59,564,000 | 5,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 6,241 |
| Cost of funding earning assets | 1.5055% | 3,227 |
| Net interest margin | 3.1662% | 6,418 |
| Noninterest income to average assets | 0.4997% | 4,125 |
| Noninterest expense to average assets | 2.3546% | 6,202 |
| Loan and lease loss provision to assets | 0.5527% | 2,563 |
| Net operating income to assets | 0.5255% | 4,215 |
| Return on assets (ROA) | 0.5360% | 4,316 |
| Pretax return on assets | 0.5391% | 4,783 |
| Return on Equity (ROE) | 4.3912% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.3912% | 3,283 |
| Net charge-offs to loans | 0.8132% | 2,213 |
| Credit loss provision to net charge-offs | 152.0833% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.9750% | 3,512 |
| Efficiency ratio | 68.5324% | 4,471 |
| Assets per employee ($millions) | 5.6316% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 1,433 |
| Loan loss allowance to noncurrent loans | 86.1247% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 3,603 |
| Noncurrent loans to loans | 2.7843% | 2,873 |
| Net loans and leases to total assets | 42.4308% | 7,011 |
| Net loans and leases to deposits | 51.2823% | 7,011 |
| Net loans and leases to core deposits | 54.5345% | 7,013 |
| Total domestic deposits to total assets | 82.7396% | 4,674 |
| Equity capital to assets | 12.1849% | 1,987 |
| Core capital (leverage) ratio | 12.0267% | 1,629 |
| Tier 1 risk-based capital ratio | 22.3503% | 1,151 |
| Total risk-based capital ratio | 23.6088% | 1,127 |
| Memoranda: | ||
| Average total assets | $132,080,330 | 4,294 |
| Average earning assets | $122,483,000 | 4,256 |
| Average equity | $16,123,000 | 3,773 |
| Average total loans | $59,029,670 | 5,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 6,149 |
| Cost of funding earning assets | 1.5454% | 3,299 |
| Net interest margin | 3.1801% | 6,354 |
| Noninterest income to average assets | 0.6220% | 3,133 |
| Noninterest expense to average assets | 2.4483% | 5,917 |
| Loan and lease loss provision to assets | 0.4596% | 2,671 |
| Net operating income to assets | 0.6527% | 3,649 |
| Return on assets (ROA) | 0.6527% | 3,770 |
| Pretax return on assets | 0.6588% | 4,377 |
| Return on Equity (ROE) | 5.3417% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.3417% | 2,968 |
| Net charge-offs to loans | 1.0952% | 1,530 |
| Credit loss provision to net charge-offs | 92.5926% | 3,599 |
| Earnings coverage of net charge-offs (x) | 2.2531% | 3,411 |
| Efficiency ratio | 68.6426% | 4,593 |
| Assets per employee ($millions) | 5.2187% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 1,854 |
| Loan loss allowance to noncurrent loans | 82.3301% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 3,591 |
| Noncurrent loans to loans | 2.6107% | 3,055 |
| Net loans and leases to total assets | 44.3844% | 6,964 |
| Net loans and leases to deposits | 53.8946% | 6,921 |
| Net loans and leases to core deposits | 57.3945% | 6,911 |
| Total domestic deposits to total assets | 82.3542% | 4,910 |
| Equity capital to assets | 12.3748% | 1,825 |
| Core capital (leverage) ratio | 12.2365% | 1,531 |
| Tier 1 risk-based capital ratio | 22.2948% | 1,162 |
| Total risk-based capital ratio | 23.5513% | 1,140 |
| Memoranda: | ||
| Average total assets | $130,541,000 | 4,399 |
| Average earning assets | $120,875,500 | 4,351 |
| Average equity | $15,950,000 | 3,834 |
| Average total loans | $59,165,500 | 5,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7212% | 3,000 |
| Cost of funding earning assets | 1.9650% | 3,127 |
| Net interest margin | 3.7562% | 3,884 |
| Noninterest income to average assets | 0.3196% | 5,799 |
| Noninterest expense to average assets | 2.4894% | 6,171 |
| Loan and lease loss provision to assets | 1.3558% | 1,702 |
| Net operating income to assets | -0.0836% | 5,648 |
| Return on assets (ROA) | 0.5394% | 3,655 |
| Pretax return on assets | 0.5409% | 4,076 |
| Return on Equity (ROE) | 4.4344% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.4344% | 2,138 |
| Net charge-offs to loans | 2.2504% | 1,046 |
| Credit loss provision to net charge-offs | 121.7512% | 4,359 |
| Earnings coverage of net charge-offs (x) | 1.1438% | 4,976 |
| Efficiency ratio | 66.1526% | 5,369 |
| Assets per employee ($millions) | 5.0237% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,699 |
| Loan loss allowance to noncurrent loans | 75.2638% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 3,556 |
| Noncurrent loans to loans | 2.8841% | 2,678 |
| Net loans and leases to total assets | 44.3043% | 7,102 |
| Net loans and leases to deposits | 53.5815% | 7,078 |
| Net loans and leases to core deposits | 59.6196% | 7,280 |
| Total domestic deposits to total assets | 82.6858% | 4,665 |
| Equity capital to assets | 12.0622% | 1,997 |
| Core capital (leverage) ratio | 12.1986% | 1,584 |
| Tier 1 risk-based capital ratio | 21.8866% | 1,166 |
| Total risk-based capital ratio | 23.1438% | 1,142 |
| Memoranda: | ||
| Average total assets | $129,225,600 | 4,351 |
| Average earning assets | $118,471,600 | 4,339 |
| Average equity | $15,718,000 | 3,916 |
| Average total loans | $63,943,600 | 5,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9211% | 2,349 |
| Cost of funding earning assets | 2.0574% | 3,082 |
| Net interest margin | 3.8637% | 3,372 |
| Noninterest income to average assets | 0.3000% | 6,074 |
| Noninterest expense to average assets | 2.3991% | 6,423 |
| Loan and lease loss provision to assets | 1.3966% | 1,376 |
| Net operating income to assets | 0.0383% | 5,633 |
| Return on assets (ROA) | 0.6021% | 3,649 |
| Pretax return on assets | 0.6021% | 4,177 |
| Return on Equity (ROE) | 4.9398% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.9398% | 2,523 |
| Net charge-offs to loans | 2.2453% | 850 |
| Credit loss provision to net charge-offs | 123.0629% | 4,108 |
| Earnings coverage of net charge-offs (x) | 1.2644% | 4,825 |
| Efficiency ratio | 62.5742% | 6,006 |
| Assets per employee ($millions) | 4.9332% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 1,858 |
| Loan loss allowance to noncurrent loans | 62.8659% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 2,653 |
| Noncurrent loans to loans | 3.1427% | 2,403 |
| Net loans and leases to total assets | 47.3484% | 7,007 |
| Net loans and leases to deposits | 58.0537% | 6,961 |
| Net loans and leases to core deposits | 64.0882% | 7,247 |
| Total domestic deposits to total assets | 81.5596% | 4,849 |
| Equity capital to assets | 12.4737% | 1,973 |
| Core capital (leverage) ratio | 11.9756% | 1,809 |
| Tier 1 risk-based capital ratio | 21.3269% | 1,320 |
| Total risk-based capital ratio | 22.5822% | 1,292 |
| Memoranda: | ||
| Average total assets | $128,878,250 | 4,392 |
| Average earning assets | $117,880,000 | 4,387 |
| Average equity | $15,708,750 | 3,966 |
| Average total loans | $65,141,500 | 5,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0331% | 2,043 |
| Cost of funding earning assets | 2.1217% | 3,180 |
| Net interest margin | 3.9114% | 3,052 |
| Noninterest income to average assets | 0.2603% | 6,415 |
| Noninterest expense to average assets | 2.3644% | 6,575 |
| Loan and lease loss provision to assets | 1.3712% | 1,260 |
| Net operating income to assets | 0.1038% | 5,554 |
| Return on assets (ROA) | 0.5423% | 4,033 |
| Pretax return on assets | 0.5423% | 4,488 |
| Return on Equity (ROE) | 4.4837% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.4837% | 2,799 |
| Net charge-offs to loans | 1.7582% | 1,080 |
| Credit loss provision to net charge-offs | 152.0619% | 3,023 |
| Earnings coverage of net charge-offs (x) | 1.6357% | 4,317 |
| Efficiency ratio | 61.5819% | 6,303 |
| Assets per employee ($millions) | 5.0165% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9593% | 1,656 |
| Loan loss allowance to noncurrent loans | 56.8496% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 2,836 |
| Noncurrent loans to loans | 3.4465% | 2,043 |
| Net loans and leases to total assets | 48.8756% | 6,965 |
| Net loans and leases to deposits | 59.5314% | 6,926 |
| Net loans and leases to core deposits | 66.3302% | 7,196 |
| Total domestic deposits to total assets | 82.1006% | 4,646 |
| Equity capital to assets | 12.0364% | 2,185 |
| Core capital (leverage) ratio | 11.7269% | 1,964 |
| Tier 1 risk-based capital ratio | 20.5170% | 1,482 |
| Total risk-based capital ratio | 21.7732% | 1,441 |
| Memoranda: | ||
| Average total assets | $129,083,670 | 4,413 |
| Average earning assets | $118,115,330 | 4,409 |
| Average equity | $15,612,000 | 3,997 |
| Average total loans | $66,204,000 | 5,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2592% | 1,411 |
| Cost of funding earning assets | 2.1669% | 3,333 |
| Net interest margin | 4.0923% | 2,305 |
| Noninterest income to average assets | 0.4205% | 5,046 |
| Noninterest expense to average assets | 2.2179% | 6,816 |
| Loan and lease loss provision to assets | 1.2460% | 1,038 |
| Net operating income to assets | 0.7040% | 3,536 |
| Return on assets (ROA) | 0.9158% | 2,775 |
| Pretax return on assets | 0.9158% | 3,660 |
| Return on Equity (ROE) | 7.5537% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.5537% | 2,000 |
| Net charge-offs to loans | 1.5750% | 920 |
| Credit loss provision to net charge-offs | 152.0913% | 2,742 |
| Earnings coverage of net charge-offs (x) | 2.3802% | 3,541 |
| Efficiency ratio | 53.2138% | 7,294 |
| Assets per employee ($millions) | 4.9071% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 2,176 |
| Loan loss allowance to noncurrent loans | 30.6247% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 3.4558% | 1,560 |
| Noncurrent loans to loans | 5.5209% | 923 |
| Net loans and leases to total assets | 50.4961% | 6,813 |
| Net loans and leases to deposits | 62.3114% | 6,709 |
| Net loans and leases to core deposits | 69.1656% | 7,071 |
| Total domestic deposits to total assets | 81.0384% | 4,953 |
| Equity capital to assets | 12.4106% | 2,025 |
| Core capital (leverage) ratio | 11.9213% | 1,932 |
| Tier 1 risk-based capital ratio | 20.6601% | 1,496 |
| Total risk-based capital ratio | 21.9139% | 1,470 |
| Memoranda: | ||
| Average total assets | $128,411,000 | 4,444 |
| Average earning assets | $117,587,000 | 4,440 |
| Average equity | $15,568,500 | 4,026 |
| Average total loans | $66,795,000 | 5,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7043% | 2,011 |
| Cost of funding earning assets | 2.7257% | 3,035 |
| Net interest margin | 3.9786% | 3,221 |
| Noninterest income to average assets | 0.2858% | 6,421 |
| Noninterest expense to average assets | 2.3798% | 6,465 |
| Loan and lease loss provision to assets | 0.6046% | 2,406 |
| Net operating income to assets | 0.9516% | 2,784 |
| Return on assets (ROA) | 0.9516% | 2,646 |
| Pretax return on assets | 0.9516% | 3,550 |
| Return on Equity (ROE) | 8.1490% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.1319% | 1,472 |
| Net charge-offs to loans | 1.1804% | 1,027 |
| Credit loss provision to net charge-offs | 91.3405% | 5,648 |
| Earnings coverage of net charge-offs (x) | 2.3511% | 4,907 |
| Efficiency ratio | 60.4628% | 6,270 |
| Assets per employee ($millions) | 4.7866% | 2,196 |
| Cash dividends to net income (ytd only)* | 24.7525% | 4,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 3,048 |
| Loan loss allowance to noncurrent loans | 29.3265% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 3.3009% | 1,368 |
| Noncurrent loans to loans | 4.8650% | 925 |
| Net loans and leases to total assets | 51.9089% | 6,854 |
| Net loans and leases to deposits | 63.5242% | 6,841 |
| Net loans and leases to core deposits | 71.5050% | 7,107 |
| Total domestic deposits to total assets | 81.7151% | 4,313 |
| Equity capital to assets | 11.8409% | 2,393 |
| Core capital (leverage) ratio | 11.5069% | 2,247 |
| Tier 1 risk-based capital ratio | 19.5143% | 1,700 |
| Total risk-based capital ratio | 20.7648% | 1,659 |
| Memoranda: | ||
| Average total assets | $127,362,200 | 4,339 |
| Average earning assets | $116,850,000 | 4,343 |
| Average equity | $14,873,000 | 4,168 |
| Average total loans | $71,416,400 | 4,817 |