Home > Kit Carson State Bank > Performance and Condition Ratios
Kit Carson State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 3,247 |
| Cost of funding earning assets | 0.4987% | 5,443 |
| Net interest margin | 4.0915% | 2,117 |
| Noninterest income to average assets | 0.4073% | 4,578 |
| Noninterest expense to average assets | 3.1485% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8106% | 3,399 |
| Return on assets (ROA) | 0.9126% | 3,144 |
| Pretax return on assets | 1.2727% | 2,699 |
| Return on Equity (ROE) | 8.9532% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.9532% | 1,248 |
| Net charge-offs to loans | 0.0491% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 46.2051% | 793 |
| Efficiency ratio | 73.5703% | 3,056 |
| Assets per employee ($millions) | 3.7202% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,161 |
| Loan loss allowance to noncurrent loans | 85.1393% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 3,566 |
| Noncurrent loans to loans | 1.7023% | 3,229 |
| Net loans and leases to total assets | 45.6955% | 5,795 |
| Net loans and leases to deposits | 50.8346% | 6,052 |
| Net loans and leases to core deposits | 54.8686% | 5,977 |
| Total domestic deposits to total assets | 89.8905% | 898 |
| Equity capital to assets | 9.7796% | 4,813 |
| Core capital (leverage) ratio | 9.9071% | 3,683 |
| Tier 1 risk-based capital ratio | 18.8449% | 2,055 |
| Total risk-based capital ratio | 20.0965% | 2,026 |
| Memoranda: | ||
| Average total assets | $76,266,000 | 5,507 |
| Average earning assets | $72,180,750 | 5,422 |
| Average equity | $7,773,500 | 5,616 |
| Average total loans | $38,047,750 | 5,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 2,543 |
| Cost of funding earning assets | 0.5314% | 5,424 |
| Net interest margin | 4.2596% | 1,579 |
| Noninterest income to average assets | 0.3924% | 4,710 |
| Noninterest expense to average assets | 3.1744% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8913% | 2,951 |
| Return on assets (ROA) | 1.0268% | 2,573 |
| Pretax return on assets | 1.4380% | 2,055 |
| Return on Equity (ROE) | 9.9264% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.9264% | 997 |
| Net charge-offs to loans | 0.0788% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 30.9333% | 1,051 |
| Efficiency ratio | 71.7933% | 3,464 |
| Assets per employee ($millions) | 3.1239% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,572 |
| Loan loss allowance to noncurrent loans | 152.0776% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 3,884 |
| Noncurrent loans to loans | 0.9006% | 4,694 |
| Net loans and leases to total assets | 52.7350% | 4,999 |
| Net loans and leases to deposits | 59.1570% | 5,316 |
| Net loans and leases to core deposits | 64.6399% | 5,139 |
| Total domestic deposits to total assets | 89.1441% | 1,421 |
| Equity capital to assets | 10.5131% | 3,671 |
| Core capital (leverage) ratio | 10.2413% | 3,102 |
| Tier 1 risk-based capital ratio | 17.2437% | 2,569 |
| Total risk-based capital ratio | 18.4772% | 2,533 |
| Memoranda: | ||
| Average total assets | $74,406,670 | 5,593 |
| Average earning assets | $70,382,000 | 5,511 |
| Average equity | $7,696,670 | 5,657 |
| Average total loans | $38,080,670 | 5,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 2,492 |
| Cost of funding earning assets | 0.5585% | 5,440 |
| Net interest margin | 4.2798% | 1,532 |
| Noninterest income to average assets | 0.3993% | 4,677 |
| Noninterest expense to average assets | 2.9464% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0739% | 2,190 |
| Return on assets (ROA) | 1.0739% | 2,376 |
| Pretax return on assets | 1.5056% | 1,857 |
| Return on Equity (ROE) | 10.4682% | 2,245 |
| Retained earnings to average equity (ytd only) | 10.4682% | 1,165 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1818% | 4,525 |
| Assets per employee ($millions) | 3.4488% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,792 |
| Loan loss allowance to noncurrent loans | 405.7554% | 838 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 4,382 |
| Noncurrent loans to loans | 0.3902% | 5,895 |
| Net loans and leases to total assets | 46.2016% | 5,762 |
| Net loans and leases to deposits | 51.6776% | 6,004 |
| Net loans and leases to core deposits | 56.6298% | 5,851 |
| Total domestic deposits to total assets | 89.4035% | 1,420 |
| Equity capital to assets | 10.1049% | 3,993 |
| Core capital (leverage) ratio | 10.0756% | 3,277 |
| Tier 1 risk-based capital ratio | 16.8929% | 2,721 |
| Total risk-based capital ratio | 18.1423% | 2,675 |
| Memoranda: | ||
| Average total assets | $74,123,500 | 5,643 |
| Average earning assets | $70,190,500 | 5,554 |
| Average equity | $7,604,000 | 5,709 |
| Average total loans | $37,078,000 | 5,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 2,004 |
| Cost of funding earning assets | 0.7670% | 5,082 |
| Net interest margin | 4.4485% | 1,266 |
| Noninterest income to average assets | 0.6372% | 2,965 |
| Noninterest expense to average assets | 3.2007% | 2,866 |
| Loan and lease loss provision to assets | 0.1023% | 5,309 |
| Net operating income to assets | 1.0872% | 1,876 |
| Return on assets (ROA) | 1.0903% | 1,990 |
| Pretax return on assets | 1.5258% | 1,403 |
| Return on Equity (ROE) | 10.1599% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.4361% | 1,300 |
| Net charge-offs to loans | 0.0076% | 6,323 |
| Credit loss provision to net charge-offs | 2,333.3333% | 98 |
| Earnings coverage of net charge-offs (x) | 370.3333% | 94 |
| Efficiency ratio | 66.3435% | 4,694 |
| Assets per employee ($millions) | 3.2897% | 5,530 |
| Cash dividends to net income (ytd only)* | 26.8097% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 4,181 |
| Loan loss allowance to noncurrent loans | 117.2557% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5779% | 3,577 |
| Noncurrent loans to loans | 1.2482% | 4,283 |
| Net loans and leases to total assets | 52.4685% | 5,238 |
| Net loans and leases to deposits | 59.0927% | 5,592 |
| Net loans and leases to core deposits | 64.7330% | 5,395 |
| Total domestic deposits to total assets | 88.7900% | 1,664 |
| Equity capital to assets | 10.4196% | 3,623 |
| Core capital (leverage) ratio | 10.4194% | 2,824 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,661 |
| Total risk-based capital ratio | 18.1168% | 2,626 |
| Memoranda: | ||
| Average total assets | $68,423,400 | 5,795 |
| Average earning assets | $64,403,600 | 5,721 |
| Average equity | $7,342,600 | 5,760 |
| Average total loans | $39,586,200 | 5,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 1,499 |
| Cost of funding earning assets | 0.8185% | 5,023 |
| Net interest margin | 4.5851% | 978 |
| Noninterest income to average assets | 0.7157% | 2,506 |
| Noninterest expense to average assets | 3.2306% | 2,725 |
| Loan and lease loss provision to assets | 0.1384% | 4,709 |
| Net operating income to assets | 1.1801% | 1,711 |
| Return on assets (ROA) | 1.1843% | 1,817 |
| Pretax return on assets | 1.6608% | 1,227 |
| Return on Equity (ROE) | 10.9509% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.9509% | 641 |
| Net charge-offs to loans | 0.0100% | 6,017 |
| Credit loss provision to net charge-offs | 2,333.3333% | 116 |
| Earnings coverage of net charge-offs (x) | 302.3250% | 124 |
| Efficiency ratio | 64.3054% | 5,014 |
| Assets per employee ($millions) | 2.8432% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,399 |
| Loan loss allowance to noncurrent loans | 89.8089% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8905% | 3,283 |
| Noncurrent loans to loans | 1.5963% | 3,902 |
| Net loans and leases to total assets | 56.8263% | 4,711 |
| Net loans and leases to deposits | 64.4430% | 5,113 |
| Net loans and leases to core deposits | 71.0378% | 4,835 |
| Total domestic deposits to total assets | 88.1807% | 1,937 |
| Equity capital to assets | 11.2023% | 2,961 |
| Core capital (leverage) ratio | 10.6309% | 2,725 |
| Tier 1 risk-based capital ratio | 17.1990% | 2,565 |
| Total risk-based capital ratio | 18.4494% | 2,531 |
| Memoranda: | ||
| Average total assets | $67,436,000 | 5,855 |
| Average earning assets | $63,363,250 | 5,791 |
| Average equity | $7,293,000 | 5,819 |
| Average total loans | $39,848,500 | 5,752 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 1,443 |
| Cost of funding earning assets | 0.8663% | 4,937 |
| Net interest margin | 4.5752% | 956 |
| Noninterest income to average assets | 0.6491% | 2,849 |
| Noninterest expense to average assets | 3.1711% | 3,001 |
| Loan and lease loss provision to assets | 0.1787% | 4,131 |
| Net operating income to assets | 1.1489% | 1,722 |
| Return on assets (ROA) | 1.1553% | 1,780 |
| Pretax return on assets | 1.6168% | 1,231 |
| Return on Equity (ROE) | 10.8138% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.8138% | 701 |
| Net charge-offs to loans | 0.0200% | 5,562 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 237 |
| Efficiency ratio | 63.9640% | 5,247 |
| Assets per employee ($millions) | 2.6971% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 4,593 |
| Loan loss allowance to noncurrent loans | 135.2078% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 4,060 |
| Noncurrent loans to loans | 1.0324% | 4,933 |
| Net loans and leases to total assets | 57.9359% | 4,641 |
| Net loans and leases to deposits | 65.4695% | 5,078 |
| Net loans and leases to core deposits | 72.5024% | 4,756 |
| Total domestic deposits to total assets | 88.4929% | 1,859 |
| Equity capital to assets | 10.9628% | 3,001 |
| Core capital (leverage) ratio | 10.4994% | 2,714 |
| Tier 1 risk-based capital ratio | 16.9136% | 2,558 |
| Total risk-based capital ratio | 18.1654% | 2,527 |
| Memoranda: | ||
| Average total assets | $67,169,330 | 5,919 |
| Average earning assets | $63,254,330 | 5,848 |
| Average equity | $7,176,000 | 5,872 |
| Average total loans | $40,018,000 | 5,796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5293% | 1,222 |
| Cost of funding earning assets | 0.8930% | 4,972 |
| Net interest margin | 4.6362% | 805 |
| Noninterest income to average assets | 0.8473% | 1,861 |
| Noninterest expense to average assets | 3.2816% | 2,613 |
| Loan and lease loss provision to assets | 0.1790% | 3,827 |
| Net operating income to assets | 1.2522% | 1,382 |
| Return on assets (ROA) | 1.2649% | 1,406 |
| Pretax return on assets | 1.7721% | 862 |
| Return on Equity (ROE) | 11.9977% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.9977% | 739 |
| Net charge-offs to loans | 0.0398% | 4,556 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 62.9291% | 5,534 |
| Assets per employee ($millions) | 2.8619% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 5,017 |
| Loan loss allowance to noncurrent loans | 116.4811% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 4,040 |
| Noncurrent loans to loans | 1.1363% | 4,805 |
| Net loans and leases to total assets | 56.7664% | 4,855 |
| Net loans and leases to deposits | 63.8354% | 5,272 |
| Net loans and leases to core deposits | 70.1171% | 5,029 |
| Total domestic deposits to total assets | 88.9263% | 1,814 |
| Equity capital to assets | 10.4448% | 3,243 |
| Core capital (leverage) ratio | 10.3800% | 2,723 |
| Tier 1 risk-based capital ratio | 16.8246% | 2,541 |
| Total risk-based capital ratio | 18.0748% | 2,506 |
| Memoranda: | ||
| Average total assets | $67,040,000 | 5,967 |
| Average earning assets | $63,154,500 | 5,891 |
| Average equity | $7,068,000 | 5,909 |
| Average total loans | $40,218,000 | 5,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 675 |
| Cost of funding earning assets | 1.1548% | 4,821 |
| Net interest margin | 4.9660% | 469 |
| Noninterest income to average assets | 0.4745% | 4,353 |
| Noninterest expense to average assets | 3.6020% | 1,918 |
| Loan and lease loss provision to assets | 0.2179% | 5,083 |
| Net operating income to assets | 0.9554% | 2,189 |
| Return on assets (ROA) | 0.9554% | 2,311 |
| Pretax return on assets | 1.2975% | 1,928 |
| Return on Equity (ROE) | 8.7530% | 2,398 |
| Retained earnings to average equity (ytd only) | 8.7530% | 768 |
| Net charge-offs to loans | 0.1479% | 5,469 |
| Credit loss provision to net charge-offs | 232.7586% | 1,264 |
| Earnings coverage of net charge-offs (x) | 16.1897% | 1,225 |
| Efficiency ratio | 70.3879% | 4,094 |
| Assets per employee ($millions) | 2.8433% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,444 |
| Loan loss allowance to noncurrent loans | 492.0792% | 651 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 4,967 |
| Noncurrent loans to loans | 0.2468% | 6,570 |
| Net loans and leases to total assets | 61.8182% | 4,323 |
| Net loans and leases to deposits | 69.8095% | 4,835 |
| Net loans and leases to core deposits | 77.0856% | 4,582 |
| Total domestic deposits to total assets | 88.5526% | 1,919 |
| Equity capital to assets | 10.6461% | 3,029 |
| Core capital (leverage) ratio | 10.3908% | 2,680 |
| Tier 1 risk-based capital ratio | 15.6672% | 2,917 |
| Total risk-based capital ratio | 16.8215% | 2,928 |
| Memoranda: | ||
| Average total assets | $61,965,200 | 6,128 |
| Average earning assets | $57,933,800 | 6,066 |
| Average equity | $6,763,400 | 6,115 |
| Average total loans | $39,206,000 | 5,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2604% | 547 |
| Cost of funding earning assets | 1.1922% | 4,902 |
| Net interest margin | 5.0682% | 379 |
| Noninterest income to average assets | 0.4909% | 4,262 |
| Noninterest expense to average assets | 3.2619% | 2,698 |
| Loan and lease loss provision to assets | 0.1855% | 5,187 |
| Net operating income to assets | 1.2808% | 1,376 |
| Return on assets (ROA) | 1.2808% | 1,463 |
| Pretax return on assets | 1.7739% | 970 |
| Return on Equity (ROE) | 11.6574% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.6574% | 503 |
| Net charge-offs to loans | 0.0550% | 5,970 |
| Credit loss provision to net charge-offs | 531.2500% | 546 |
| Earnings coverage of net charge-offs (x) | 56.1322% | 516 |
| Efficiency ratio | 62.4739% | 5,526 |
| Assets per employee ($millions) | 2.7067% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,367 |
| Loan loss allowance to noncurrent loans | 417.9487% | 710 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 4,719 |
| Noncurrent loans to loans | 0.2932% | 6,601 |
| Net loans and leases to total assets | 63.3116% | 4,255 |
| Net loans and leases to deposits | 72.2503% | 4,803 |
| Net loans and leases to core deposits | 78.0460% | 4,798 |
| Total domestic deposits to total assets | 87.6281% | 2,194 |
| Equity capital to assets | 11.3535% | 2,658 |
| Core capital (leverage) ratio | 10.8567% | 2,362 |
| Tier 1 risk-based capital ratio | 15.4644% | 3,015 |
| Total risk-based capital ratio | 16.5860% | 3,044 |
| Memoranda: | ||
| Average total assets | $61,107,750 | 6,226 |
| Average earning assets | $57,034,250 | 6,165 |
| Average equity | $6,713,750 | 6,208 |
| Average total loans | $38,776,750 | 6,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1651% | 666 |
| Cost of funding earning assets | 1.2253% | 4,989 |
| Net interest margin | 4.9398% | 489 |
| Noninterest income to average assets | 0.4611% | 4,424 |
| Noninterest expense to average assets | 3.1947% | 2,918 |
| Loan and lease loss provision to assets | 0.1647% | 5,244 |
| Net operating income to assets | 1.2449% | 1,439 |
| Return on assets (ROA) | 1.2449% | 1,500 |
| Pretax return on assets | 1.7225% | 1,020 |
| Return on Equity (ROE) | 11.4621% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.4621% | 574 |
| Net charge-offs to loans | 0.0208% | 6,049 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 143.2500% | 242 |
| Efficiency ratio | 62.8645% | 5,544 |
| Assets per employee ($millions) | 2.8305% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 6,010 |
| Loan loss allowance to noncurrent loans | 187.9032% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 4,686 |
| Noncurrent loans to loans | 0.5779% | 6,094 |
| Net loans and leases to total assets | 68.1693% | 3,323 |
| Net loans and leases to deposits | 79.9808% | 3,600 |
| Net loans and leases to core deposits | 89.1392% | 3,391 |
| Total domestic deposits to total assets | 85.2321% | 3,498 |
| Equity capital to assets | 10.9266% | 2,942 |
| Core capital (leverage) ratio | 10.6519% | 2,495 |
| Tier 1 risk-based capital ratio | 14.4882% | 3,451 |
| Total risk-based capital ratio | 15.5216% | 3,534 |
| Memoranda: | ||
| Average total assets | $60,725,670 | 6,275 |
| Average earning assets | $56,803,670 | 6,210 |
| Average equity | $6,595,670 | 6,270 |
| Average total loans | $38,401,330 | 6,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0243% | 931 |
| Cost of funding earning assets | 1.2935% | 4,853 |
| Net interest margin | 4.7308% | 731 |
| Noninterest income to average assets | 0.4537% | 4,433 |
| Noninterest expense to average assets | 3.1891% | 2,914 |
| Loan and lease loss provision to assets | 0.1334% | 5,230 |
| Net operating income to assets | 1.1275% | 1,747 |
| Return on assets (ROA) | 1.1275% | 1,823 |
| Pretax return on assets | 1.5479% | 1,400 |
| Return on Equity (ROE) | 10.4136% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.4136% | 1,065 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4795% | 5,224 |
| Assets per employee ($millions) | 3.0057% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,607 |
| Loan loss allowance to noncurrent loans | 319.5652% | 946 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 4,852 |
| Noncurrent loans to loans | 0.3690% | 6,562 |
| Net loans and leases to total assets | 61.4759% | 4,862 |
| Net loans and leases to deposits | 69.7330% | 5,383 |
| Net loans and leases to core deposits | 77.6969% | 5,058 |
| Total domestic deposits to total assets | 88.1590% | 1,970 |
| Equity capital to assets | 10.9793% | 2,785 |
| Core capital (leverage) ratio | 10.5063% | 2,616 |
| Tier 1 risk-based capital ratio | 15.3889% | 2,927 |
| Total risk-based capital ratio | 16.4595% | 2,966 |
| Memoranda: | ||
| Average total assets | $59,953,500 | 6,384 |
| Average earning assets | $55,973,500 | 6,330 |
| Average equity | $6,491,500 | 6,349 |
| Average total loans | $36,144,500 | 6,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1594% | 1,347 |
| Cost of funding earning assets | 1.7071% | 4,466 |
| Net interest margin | 4.4523% | 1,290 |
| Noninterest income to average assets | 0.5228% | 4,237 |
| Noninterest expense to average assets | 3.7707% | 1,753 |
| Loan and lease loss provision to assets | 0.2866% | 5,136 |
| Net operating income to assets | 0.4828% | 3,802 |
| Return on assets (ROA) | 0.4828% | 3,898 |
| Pretax return on assets | 0.5923% | 3,919 |
| Return on Equity (ROE) | 4.4800% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.4800% | 2,114 |
| Net charge-offs to loans | 0.6097% | 3,389 |
| Credit loss provision to net charge-offs | 82.5000% | 6,232 |
| Earnings coverage of net charge-offs (x) | 2.5300% | 3,859 |
| Efficiency ratio | 81.0982% | 2,733 |
| Assets per employee ($millions) | 2.8473% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 5,331 |
| Loan loss allowance to noncurrent loans | 403.8462% | 823 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 4,835 |
| Noncurrent loans to loans | 0.2981% | 6,682 |
| Net loans and leases to total assets | 57.6529% | 5,718 |
| Net loans and leases to deposits | 65.1110% | 6,151 |
| Net loans and leases to core deposits | 108.9745% | 3,001 |
| Total domestic deposits to total assets | 88.5457% | 1,705 |
| Equity capital to assets | 10.6750% | 2,997 |
| Core capital (leverage) ratio | 10.2399% | 2,835 |
| Tier 1 risk-based capital ratio | 15.6923% | 2,643 |
| Total risk-based capital ratio | 16.7631% | 2,665 |
| Memoranda: | ||
| Average total assets | $57,576,200 | 6,447 |
| Average earning assets | $53,365,800 | 6,402 |
| Average equity | $6,205,400 | 6,530 |
| Average total loans | $32,801,400 | 6,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1558% | 1,482 |
| Cost of funding earning assets | 1.7682% | 4,534 |
| Net interest margin | 4.3876% | 1,469 |
| Noninterest income to average assets | 0.5308% | 4,229 |
| Noninterest expense to average assets | 3.7950% | 1,601 |
| Loan and lease loss provision to assets | 0.3858% | 4,005 |
| Net operating income to assets | 0.3601% | 4,554 |
| Return on assets (ROA) | 0.3601% | 4,656 |
| Pretax return on assets | 0.4115% | 4,770 |
| Return on Equity (ROE) | 3.3327% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.3327% | 3,439 |
| Net charge-offs to loans | 0.8261% | 2,314 |
| Credit loss provision to net charge-offs | 82.5000% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1.7050% | 4,517 |
| Efficiency ratio | 82.6375% | 2,492 |
| Assets per employee ($millions) | 2.8643% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,331 |
| Loan loss allowance to noncurrent loans | 147.3684% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5411% | 4,056 |
| Noncurrent loans to loans | 0.7897% | 5,717 |
| Net loans and leases to total assets | 59.2974% | 5,694 |
| Net loans and leases to deposits | 68.0336% | 6,122 |
| Net loans and leases to core deposits | 112.3579% | 2,985 |
| Total domestic deposits to total assets | 87.1590% | 2,099 |
| Equity capital to assets | 10.5152% | 3,496 |
| Core capital (leverage) ratio | 10.2899% | 2,985 |
| Tier 1 risk-based capital ratio | 14.9679% | 3,054 |
| Total risk-based capital ratio | 16.0102% | 3,105 |
| Memoranda: | ||
| Average total assets | $57,021,750 | 6,504 |
| Average earning assets | $52,783,500 | 6,465 |
| Average equity | $6,161,000 | 6,605 |
| Average total loans | $32,278,500 | 6,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0562% | 1,959 |
| Cost of funding earning assets | 1.8289% | 4,611 |
| Net interest margin | 4.2273% | 1,887 |
| Noninterest income to average assets | 0.4287% | 5,047 |
| Noninterest expense to average assets | 3.8800% | 1,517 |
| Loan and lease loss provision to assets | 0.4823% | 3,113 |
| Net operating income to assets | 0.0572% | 5,689 |
| Return on assets (ROA) | 0.0572% | 5,775 |
| Pretax return on assets | -0.0357% | 5,917 |
| Return on Equity (ROE) | 0.5240% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.5240% | 4,991 |
| Net charge-offs to loans | 1.2964% | 1,425 |
| Credit loss provision to net charge-offs | 67.1642% | 5,469 |
| Earnings coverage of net charge-offs (x) | 0.6219% | 5,085 |
| Efficiency ratio | 89.6780% | 1,846 |
| Assets per employee ($millions) | 2.8616% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 4,966 |
| Loan loss allowance to noncurrent loans | 158.7755% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 3,813 |
| Noncurrent loans to loans | 0.7543% | 5,727 |
| Net loans and leases to total assets | 56.0763% | 6,196 |
| Net loans and leases to deposits | 63.5820% | 6,605 |
| Net loans and leases to core deposits | 103.4958% | 4,123 |
| Total domestic deposits to total assets | 88.1952% | 1,672 |
| Equity capital to assets | 10.5834% | 3,310 |
| Core capital (leverage) ratio | 10.3689% | 2,932 |
| Tier 1 risk-based capital ratio | 16.1975% | 2,548 |
| Total risk-based capital ratio | 17.2669% | 2,559 |
| Memoranda: | ||
| Average total assets | $55,978,670 | 6,594 |
| Average earning assets | $51,616,330 | 6,573 |
| Average equity | $6,106,330 | 6,684 |
| Average total loans | $31,008,670 | 6,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0413% | 2,193 |
| Cost of funding earning assets | 1.8776% | 4,751 |
| Net interest margin | 4.1637% | 2,038 |
| Noninterest income to average assets | 0.4191% | 5,062 |
| Noninterest expense to average assets | 3.8228% | 1,427 |
| Loan and lease loss provision to assets | 0.1807% | 4,640 |
| Net operating income to assets | 0.2240% | 5,587 |
| Return on assets (ROA) | 0.2240% | 5,745 |
| Pretax return on assets | 0.2457% | 5,838 |
| Return on Equity (ROE) | 2.0225% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.0225% | 4,736 |
| Net charge-offs to loans | 0.6607% | 1,861 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 1.1800% | 4,161 |
| Efficiency ratio | 89.9660% | 1,721 |
| Assets per employee ($millions) | 2.7970% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 3,236 |
| Loan loss allowance to noncurrent loans | 57.5636% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.4294% | 2,361 |
| Noncurrent loans to loans | 2.5177% | 2,618 |
| Net loans and leases to total assets | 52.2703% | 6,654 |
| Net loans and leases to deposits | 59.2131% | 6,954 |
| Net loans and leases to core deposits | 90.1885% | 5,538 |
| Total domestic deposits to total assets | 88.2749% | 1,593 |
| Equity capital to assets | 10.9903% | 2,971 |
| Core capital (leverage) ratio | 10.6439% | 2,794 |
| Tier 1 risk-based capital ratio | 17.5348% | 2,178 |
| Total risk-based capital ratio | 18.7843% | 2,119 |
| Memoranda: | ||
| Average total assets | $55,352,500 | 6,654 |
| Average earning assets | $50,916,500 | 6,622 |
| Average equity | $6,131,000 | 6,716 |
| Average total loans | $30,272,000 | 6,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7091% | 1,995 |
| Cost of funding earning assets | 2.3669% | 4,863 |
| Net interest margin | 4.3421% | 1,851 |
| Noninterest income to average assets | 0.5277% | 4,404 |
| Noninterest expense to average assets | 3.8366% | 1,684 |
| Loan and lease loss provision to assets | 0.6018% | 2,419 |
| Net operating income to assets | 0.1296% | 6,025 |
| Return on assets (ROA) | 0.1296% | 5,870 |
| Pretax return on assets | 0.0704% | 6,010 |
| Return on Equity (ROE) | 1.1688% | 5,869 |
| Retained earnings to average equity (ytd only) | -0.2505% | 5,364 |
| Net charge-offs to loans | 1.6365% | 687 |
| Credit loss provision to net charge-offs | 64.7410% | 6,168 |
| Earnings coverage of net charge-offs (x) | 0.7231% | 5,787 |
| Efficiency ratio | 85.0924% | 1,940 |
| Assets per employee ($millions) | 2.7383% | 6,707 |
| Cash dividends to net income (ytd only)* | 121.4286% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 2,810 |
| Loan loss allowance to noncurrent loans | 60.8289% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.6605% | 1,796 |
| Noncurrent loans to loans | 2.4228% | 2,262 |
| Net loans and leases to total assets | 55.5446% | 6,481 |
| Net loans and leases to deposits | 63.0733% | 6,871 |
| Net loans and leases to core deposits | 97.6721% | 5,074 |
| Total domestic deposits to total assets | 88.0635% | 1,447 |
| Equity capital to assets | 11.1641% | 2,906 |
| Core capital (leverage) ratio | 10.7547% | 2,776 |
| Tier 1 risk-based capital ratio | 16.6676% | 2,430 |
| Total risk-based capital ratio | 17.9183% | 2,365 |
| Memoranda: | ||
| Average total assets | $54,006,600 | 6,621 |
| Average earning assets | $49,515,200 | 6,613 |
| Average equity | $5,988,800 | 6,812 |
| Average total loans | $30,675,200 | 6,665 |