Home > La Farge State Bank > Performance and Condition Ratios
La Farge 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 | 3.7619% | 4,652 |
| Cost of funding earning assets | 0.2934% | 5,027 |
| Net interest margin | 3.4684% | 3,900 |
| Noninterest income to average assets | 0.2489% | 5,421 |
| Noninterest expense to average assets | 1.3795% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5735% | 750 |
| Return on assets (ROA) | 1.5735% | 782 |
| Pretax return on assets | 2.2105% | 354 |
| Return on Equity (ROE) | 5.6734% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.6734% | 2,529 |
| Net charge-offs to loans | 3.1524% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5976% | 3,762 |
| Efficiency ratio | 38.4254% | 6,549 |
| Assets per employee ($millions) | 5.2443% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 6,473 |
| Loan loss allowance to noncurrent loans | 9.2428% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9026% | 1,703 |
| Noncurrent loans to loans | 4.5945% | 469 |
| Net loans and leases to total assets | 41.2339% | 5,727 |
| Net loans and leases to deposits | 57.5390% | 5,081 |
| Net loans and leases to core deposits | 58.0453% | 5,270 |
| Total domestic deposits to total assets | 71.6625% | 6,276 |
| Equity capital to assets | 28.2697% | 69 |
| Core capital (leverage) ratio | 28.1361% | 67 |
| Tier 1 risk-based capital ratio | 49.2580% | 138 |
| Total risk-based capital ratio | 49.5644% | 142 |
| Memoranda: | ||
| Average total assets | $47,410,000 | 5,972 |
| Average earning assets | $45,669,000 | 5,894 |
| Average equity | $13,149,000 | 4,194 |
| Average total loans | $20,809,670 | 6,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,416 |
| Cost of funding earning assets | 0.3085% | 4,983 |
| Net interest margin | 3.5084% | 3,657 |
| Noninterest income to average assets | 0.2441% | 5,404 |
| Noninterest expense to average assets | 1.5826% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3806% | 1,034 |
| Return on assets (ROA) | 1.3806% | 1,075 |
| Pretax return on assets | 2.0120% | 520 |
| Return on Equity (ROE) | 5.0260% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.0260% | 3,099 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0281% | 6,501 |
| Assets per employee ($millions) | 5.2776% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,672 |
| Loan loss allowance to noncurrent loans | 28.9030% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 3.2591% | 826 |
| Noncurrent loans to loans | 6.6773% | 243 |
| Net loans and leases to total assets | 43.9703% | 5,519 |
| Net loans and leases to deposits | 60.9265% | 4,668 |
| Net loans and leases to core deposits | 62.1762% | 4,861 |
| Total domestic deposits to total assets | 72.1694% | 6,347 |
| Equity capital to assets | 27.6517% | 77 |
| Core capital (leverage) ratio | 27.4460% | 77 |
| Tier 1 risk-based capital ratio | 45.3037% | 168 |
| Total risk-based capital ratio | 46.5558% | 169 |
| Memoranda: | ||
| Average total assets | $47,515,500 | 6,021 |
| Average earning assets | $45,377,000 | 5,960 |
| Average equity | $13,052,000 | 4,225 |
| Average total loans | $21,442,000 | 6,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 3,317 |
| Cost of funding earning assets | 0.3407% | 5,234 |
| Net interest margin | 3.8681% | 2,403 |
| Noninterest income to average assets | 0.3202% | 5,044 |
| Noninterest expense to average assets | 1.4628% | 6,593 |
| Loan and lease loss provision to assets | 0.1883% | 1,961 |
| Net operating income to assets | 1.8164% | 471 |
| Return on assets (ROA) | 1.8164% | 480 |
| Pretax return on assets | 2.3752% | 240 |
| Return on Equity (ROE) | 6.9175% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.9175% | 1,469 |
| Net charge-offs to loans | 0.1558% | 3,245 |
| Credit loss provision to net charge-offs | 243.2432% | 941 |
| Earnings coverage of net charge-offs (x) | 33.1081% | 1,089 |
| Efficiency ratio | 36.3306% | 6,732 |
| Assets per employee ($millions) | 5.2814% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 1,773 |
| Loan loss allowance to noncurrent loans | 30.3321% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1157% | 1,000 |
| Noncurrent loans to loans | 6.2766% | 307 |
| Net loans and leases to total assets | 44.5522% | 5,622 |
| Net loans and leases to deposits | 61.6830% | 4,758 |
| Net loans and leases to core deposits | 62.9462% | 4,974 |
| Total domestic deposits to total assets | 72.2277% | 6,409 |
| Equity capital to assets | 27.2863% | 74 |
| Core capital (leverage) ratio | 27.2182% | 71 |
| Tier 1 risk-based capital ratio | 44.2707% | 177 |
| Total risk-based capital ratio | 45.5234% | 175 |
| Memoranda: | ||
| Average total assets | $47,786,000 | 6,075 |
| Average earning assets | $45,784,400 | 5,998 |
| Average equity | $12,547,800 | 4,345 |
| Average total loans | $23,751,200 | 6,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 3,013 |
| Cost of funding earning assets | 0.3456% | 5,337 |
| Net interest margin | 3.9496% | 2,115 |
| Noninterest income to average assets | 0.3511% | 4,881 |
| Noninterest expense to average assets | 1.4657% | 6,658 |
| Loan and lease loss provision to assets | 0.2508% | 1,424 |
| Net operating income to assets | 1.7778% | 545 |
| Return on assets (ROA) | 1.7778% | 573 |
| Pretax return on assets | 2.4242% | 264 |
| Return on Equity (ROE) | 6.8368% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.8368% | 1,954 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3970% | 6,806 |
| Assets per employee ($millions) | 5.3270% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 1,906 |
| Loan loss allowance to noncurrent loans | 29.1667% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 3.2038% | 1,118 |
| Noncurrent loans to loans | 6.6258% | 337 |
| Net loans and leases to total assets | 47.4188% | 5,403 |
| Net loans and leases to deposits | 64.6642% | 4,444 |
| Net loans and leases to core deposits | 65.9568% | 4,719 |
| Total domestic deposits to total assets | 73.3308% | 6,411 |
| Equity capital to assets | 26.5732% | 77 |
| Core capital (leverage) ratio | 26.8952% | 70 |
| Tier 1 risk-based capital ratio | 42.3664% | 209 |
| Total risk-based capital ratio | 43.6201% | 210 |
| Memoranda: | ||
| Average total assets | $47,849,250 | 6,143 |
| Average earning assets | $45,910,250 | 6,059 |
| Average equity | $12,442,250 | 4,408 |
| Average total loans | $24,292,000 | 6,077 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,338 |
| Cost of funding earning assets | 0.3463% | 5,444 |
| Net interest margin | 3.8613% | 2,341 |
| Noninterest income to average assets | 0.4099% | 4,452 |
| Noninterest expense to average assets | 1.4890% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9909% | 364 |
| Return on assets (ROA) | 1.9909% | 388 |
| Pretax return on assets | 2.6517% | 221 |
| Return on Equity (ROE) | 7.7129% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.7129% | 1,590 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9596% | 6,844 |
| Assets per employee ($millions) | 5.2433% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,906 |
| Loan loss allowance to noncurrent loans | 23.5371% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 3.2231% | 1,229 |
| Noncurrent loans to loans | 6.0670% | 457 |
| Net loans and leases to total assets | 52.3670% | 4,808 |
| Net loans and leases to deposits | 72.3928% | 3,399 |
| Net loans and leases to core deposits | 73.8841% | 3,829 |
| Total domestic deposits to total assets | 72.3374% | 6,544 |
| Equity capital to assets | 26.6540% | 75 |
| Core capital (leverage) ratio | 26.6720% | 69 |
| Tier 1 risk-based capital ratio | 40.0344% | 233 |
| Total risk-based capital ratio | 41.1738% | 231 |
| Memoranda: | ||
| Average total assets | $47,818,000 | 6,185 |
| Average earning assets | $46,202,000 | 6,096 |
| Average equity | $12,343,000 | 4,452 |
| Average total loans | $24,662,000 | 6,086 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 2,165 |
| Cost of funding earning assets | 0.3515% | 5,520 |
| Net interest margin | 4.1493% | 1,330 |
| Noninterest income to average assets | 0.2659% | 5,556 |
| Noninterest expense to average assets | 1.5541% | 6,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0527% | 316 |
| Return on assets (ROA) | 2.0527% | 345 |
| Pretax return on assets | 2.7341% | 204 |
| Return on Equity (ROE) | 8.0815% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.0815% | 1,723 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2403% | 6,919 |
| Assets per employee ($millions) | 5.3753% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,808 |
| Loan loss allowance to noncurrent loans | 26.1887% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 3.1605% | 1,383 |
| Noncurrent loans to loans | 5.7442% | 602 |
| Net loans and leases to total assets | 48.4518% | 5,180 |
| Net loans and leases to deposits | 65.1220% | 4,170 |
| Net loans and leases to core deposits | 66.3929% | 4,482 |
| Total domestic deposits to total assets | 74.4016% | 6,509 |
| Equity capital to assets | 25.5261% | 92 |
| Core capital (leverage) ratio | 25.9613% | 78 |
| Tier 1 risk-based capital ratio | 40.2589% | 224 |
| Total risk-based capital ratio | 41.4260% | 227 |
| Memoranda: | ||
| Average total assets | $48,132,000 | 6,241 |
| Average earning assets | $46,658,000 | 6,137 |
| Average equity | $12,225,500 | 4,534 |
| Average total loans | $24,458,000 | 6,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 3,629 |
| Cost of funding earning assets | 0.4348% | 5,685 |
| Net interest margin | 4.0113% | 2,354 |
| Noninterest income to average assets | 0.2310% | 5,794 |
| Noninterest expense to average assets | 1.2776% | 6,964 |
| Loan and lease loss provision to assets | 0.1975% | 3,163 |
| Net operating income to assets | 2.0793% | 314 |
| Return on assets (ROA) | 2.0793% | 346 |
| Pretax return on assets | 2.6361% | 211 |
| Return on Equity (ROE) | 6.7258% | 3,797 |
| Retained earnings to average equity (ytd only) | -25.9769% | 6,905 |
| Net charge-offs to loans | 0.4680% | 2,361 |
| Credit loss provision to net charge-offs | 84.7458% | 3,673 |
| Earnings coverage of net charge-offs (x) | 12.1610% | 1,959 |
| Efficiency ratio | 31.0759% | 7,017 |
| Assets per employee ($millions) | 5.3207% | 1,873 |
| Cash dividends to net income (ytd only)* | 486.2298% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,037 |
| Loan loss allowance to noncurrent loans | 22.9340% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 3.5981% | 1,246 |
| Noncurrent loans to loans | 6.2147% | 562 |
| Net loans and leases to total assets | 51.7061% | 4,967 |
| Net loans and leases to deposits | 71.2067% | 3,539 |
| Net loans and leases to core deposits | 72.6462% | 3,957 |
| Total domestic deposits to total assets | 72.6141% | 6,653 |
| Equity capital to assets | 25.2725% | 95 |
| Core capital (leverage) ratio | 23.4726% | 107 |
| Tier 1 risk-based capital ratio | 38.5230% | 263 |
| Total risk-based capital ratio | 39.6626% | 261 |
| Memoranda: | ||
| Average total assets | $50,643,000 | 6,198 |
| Average earning assets | $48,987,000 | 6,087 |
| Average equity | $15,656,200 | 3,832 |
| Average total loans | $25,211,800 | 6,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 4,090 |
| Cost of funding earning assets | 0.4494% | 5,804 |
| Net interest margin | 3.9422% | 2,742 |
| Noninterest income to average assets | 0.2260% | 5,937 |
| Noninterest expense to average assets | 1.2935% | 7,047 |
| Loan and lease loss provision to assets | 0.2338% | 2,705 |
| Net operating income to assets | 1.9195% | 436 |
| Return on assets (ROA) | 1.9195% | 505 |
| Pretax return on assets | 2.5039% | 283 |
| Return on Equity (ROE) | 5.9554% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,722 |
| Net charge-offs to loans | 0.6552% | 1,668 |
| Credit loss provision to net charge-offs | 72.5806% | 3,834 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,436 |
| Efficiency ratio | 32.0876% | 7,110 |
| Assets per employee ($millions) | 5.8164% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,584 |
| Loan loss allowance to noncurrent loans | 21.1896% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 3.6811% | 1,347 |
| Noncurrent loans to loans | 6.3684% | 610 |
| Net loans and leases to total assets | 47.7611% | 5,579 |
| Net loans and leases to deposits | 73.1887% | 3,417 |
| Net loans and leases to core deposits | 74.6975% | 3,890 |
| Total domestic deposits to total assets | 65.2575% | 6,992 |
| Equity capital to assets | 32.2992% | 61 |
| Core capital (leverage) ratio | 33.0499% | 55 |
| Tier 1 risk-based capital ratio | 50.8787% | 137 |
| Total risk-based capital ratio | 51.9078% | 136 |
| Memoranda: | ||
| Average total assets | $51,332,250 | 6,238 |
| Average earning assets | $49,548,250 | 6,133 |
| Average equity | $16,544,750 | 3,728 |
| Average total loans | $25,235,250 | 6,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 3,974 |
| Cost of funding earning assets | 0.4719% | 5,816 |
| Net interest margin | 3.9790% | 2,594 |
| Noninterest income to average assets | 0.2314% | 5,918 |
| Noninterest expense to average assets | 1.2747% | 7,116 |
| Loan and lease loss provision to assets | 0.2353% | 2,717 |
| Net operating income to assets | 1.9689% | 415 |
| Return on assets (ROA) | 1.9689% | 478 |
| Pretax return on assets | 2.5572% | 278 |
| Return on Equity (ROE) | 6.1131% | 4,269 |
| Retained earnings to average equity (ytd only) | 6.1131% | 2,646 |
| Net charge-offs to loans | 0.9921% | 1,118 |
| Credit loss provision to net charge-offs | 48.0000% | 4,080 |
| Earnings coverage of net charge-offs (x) | 5.6960% | 2,777 |
| Efficiency ratio | 31.3404% | 7,167 |
| Assets per employee ($millions) | 5.7431% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,159 |
| Loan loss allowance to noncurrent loans | 20.5010% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 3.5405% | 1,502 |
| Noncurrent loans to loans | 6.0484% | 722 |
| Net loans and leases to total assets | 47.9221% | 5,622 |
| Net loans and leases to deposits | 71.8325% | 3,638 |
| Net loans and leases to core deposits | 73.2970% | 4,126 |
| Total domestic deposits to total assets | 66.7137% | 7,032 |
| Equity capital to assets | 32.2531% | 59 |
| Core capital (leverage) ratio | 32.5828% | 55 |
| Tier 1 risk-based capital ratio | 49.8535% | 132 |
| Total risk-based capital ratio | 50.7835% | 133 |
| Memoranda: | ||
| Average total assets | $50,993,670 | 6,290 |
| Average earning assets | $49,158,670 | 6,192 |
| Average equity | $16,423,670 | 3,743 |
| Average total loans | $25,199,000 | 6,306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 3,693 |
| Cost of funding earning assets | 0.4916% | 5,869 |
| Net interest margin | 4.0637% | 2,241 |
| Noninterest income to average assets | 0.2527% | 5,833 |
| Noninterest expense to average assets | 1.2716% | 7,187 |
| Loan and lease loss provision to assets | 0.2369% | 2,572 |
| Net operating income to assets | 2.0692% | 367 |
| Return on assets (ROA) | 2.0692% | 426 |
| Pretax return on assets | 2.6616% | 272 |
| Return on Equity (ROE) | 6.4294% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.4294% | 2,724 |
| Net charge-offs to loans | 1.6787% | 574 |
| Credit loss provision to net charge-offs | 28.3019% | 3,651 |
| Earnings coverage of net charge-offs (x) | 3.4623% | 2,830 |
| Efficiency ratio | 30.4924% | 7,235 |
| Assets per employee ($millions) | 5.7408% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,481 |
| Loan loss allowance to noncurrent loans | 20.3943% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 3.4529% | 1,665 |
| Noncurrent loans to loans | 5.8887% | 861 |
| Net loans and leases to total assets | 47.7674% | 5,589 |
| Net loans and leases to deposits | 71.5238% | 3,503 |
| Net loans and leases to core deposits | 72.9703% | 4,026 |
| Total domestic deposits to total assets | 66.7854% | 7,089 |
| Equity capital to assets | 31.8017% | 52 |
| Core capital (leverage) ratio | 32.3006% | 50 |
| Tier 1 risk-based capital ratio | 49.6090% | 128 |
| Total risk-based capital ratio | 50.5148% | 130 |
| Memoranda: | ||
| Average total assets | $50,646,500 | 6,347 |
| Average earning assets | $48,822,500 | 6,244 |
| Average equity | $16,300,000 | 3,764 |
| Average total loans | $25,258,000 | 6,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 3,283 |
| Cost of funding earning assets | 0.5975% | 6,098 |
| Net interest margin | 4.3184% | 1,640 |
| Noninterest income to average assets | 0.9538% | 1,494 |
| Noninterest expense to average assets | 1.3786% | 7,225 |
| Loan and lease loss provision to assets | 0.2451% | 3,760 |
| Net operating income to assets | 2.6408% | 113 |
| Return on assets (ROA) | 2.6408% | 116 |
| Pretax return on assets | 3.4924% | 93 |
| Return on Equity (ROE) | 8.3009% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.3009% | 985 |
| Net charge-offs to loans | 0.3168% | 3,809 |
| Credit loss provision to net charge-offs | 144.5783% | 1,993 |
| Earnings coverage of net charge-offs (x) | 22.0482% | 1,073 |
| Efficiency ratio | 26.9461% | 7,309 |
| Assets per employee ($millions) | 5.5140% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,138 |
| Loan loss allowance to noncurrent loans | 24.3839% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 3.7380% | 1,558 |
| Noncurrent loans to loans | 6.0385% | 818 |
| Net loans and leases to total assets | 50.6992% | 5,499 |
| Net loans and leases to deposits | 75.7284% | 3,216 |
| Net loans and leases to core deposits | 77.3202% | 3,775 |
| Total domestic deposits to total assets | 66.9488% | 7,109 |
| Equity capital to assets | 32.5817% | 57 |
| Core capital (leverage) ratio | 33.2750% | 56 |
| Tier 1 risk-based capital ratio | 47.9650% | 145 |
| Total risk-based capital ratio | 49.0804% | 145 |
| Memoranda: | ||
| Average total assets | $48,962,800 | 6,391 |
| Average earning assets | $47,193,800 | 6,284 |
| Average equity | $15,576,600 | 3,796 |
| Average total loans | $26,197,800 | 6,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 2,724 |
| Cost of funding earning assets | 0.6155% | 6,210 |
| Net interest margin | 4.4617% | 1,241 |
| Noninterest income to average assets | 1.1530% | 988 |
| Noninterest expense to average assets | 1.3798% | 7,282 |
| Loan and lease loss provision to assets | 0.2459% | 3,545 |
| Net operating income to assets | 2.6394% | 123 |
| Return on assets (ROA) | 2.6394% | 130 |
| Pretax return on assets | 3.8253% | 92 |
| Return on Equity (ROE) | 8.3480% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.3480% | 1,372 |
| Net charge-offs to loans | 0.1062% | 4,942 |
| Credit loss provision to net charge-offs | 428.5714% | 657 |
| Earnings coverage of net charge-offs (x) | 70.9507% | 472 |
| Efficiency ratio | 25.3133% | 7,382 |
| Assets per employee ($millions) | 5.4352% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,642 |
| Loan loss allowance to noncurrent loans | 24.0708% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 4.3012% | 1,410 |
| Noncurrent loans to loans | 6.6659% | 778 |
| Net loans and leases to total assets | 51.1479% | 5,561 |
| Net loans and leases to deposits | 76.4974% | 3,249 |
| Net loans and leases to core deposits | 78.1265% | 3,886 |
| Total domestic deposits to total assets | 66.8622% | 7,176 |
| Equity capital to assets | 32.3855% | 67 |
| Core capital (leverage) ratio | 32.7815% | 64 |
| Tier 1 risk-based capital ratio | 47.4397% | 163 |
| Total risk-based capital ratio | 48.6614% | 162 |
| Memoranda: | ||
| Average total assets | $48,797,000 | 6,458 |
| Average earning assets | $47,006,000 | 6,337 |
| Average equity | $15,428,500 | 3,838 |
| Average total loans | $26,363,250 | 6,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 2,272 |
| Cost of funding earning assets | 0.6341% | 6,301 |
| Net interest margin | 4.5620% | 989 |
| Noninterest income to average assets | 1.5834% | 517 |
| Noninterest expense to average assets | 1.4111% | 7,351 |
| Loan and lease loss provision to assets | 0.2461% | 3,443 |
| Net operating income to assets | 3.0519% | 101 |
| Return on assets (ROA) | 3.0519% | 103 |
| Pretax return on assets | 4.3235% | 82 |
| Return on Equity (ROE) | 9.7314% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.7314% | 913 |
| Net charge-offs to loans | 0.1575% | 4,237 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 53.0476% | 597 |
| Efficiency ratio | 23.5940% | 7,461 |
| Assets per employee ($millions) | 5.3882% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,167 |
| Loan loss allowance to noncurrent loans | 20.4878% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 4.0005% | 1,603 |
| Noncurrent loans to loans | 7.2821% | 686 |
| Net loans and leases to total assets | 51.4662% | 5,633 |
| Net loans and leases to deposits | 76.1844% | 3,432 |
| Net loans and leases to core deposits | 77.8041% | 4,078 |
| Total domestic deposits to total assets | 67.5547% | 7,216 |
| Equity capital to assets | 32.2102% | 69 |
| Core capital (leverage) ratio | 32.3892% | 68 |
| Tier 1 risk-based capital ratio | 46.9690% | 162 |
| Total risk-based capital ratio | 48.1056% | 163 |
| Memoranda: | ||
| Average total assets | $48,757,000 | 6,519 |
| Average earning assets | $46,997,330 | 6,404 |
| Average equity | $15,290,670 | 3,854 |
| Average total loans | $26,675,000 | 6,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 658 |
| Cost of funding earning assets | 0.6454% | 6,397 |
| Net interest margin | 5.2142% | 253 |
| Noninterest income to average assets | 0.5564% | 3,462 |
| Noninterest expense to average assets | 1.4809% | 7,372 |
| Loan and lease loss provision to assets | 0.2455% | 3,209 |
| Net operating income to assets | 3.0895% | 107 |
| Return on assets (ROA) | 4.0909% | 75 |
| Pretax return on assets | 5.1055% | 75 |
| Return on Equity (ROE) | 13.2223% | 1,148 |
| Retained earnings to average equity (ytd only) | 13.2223% | 559 |
| Net charge-offs to loans | 0.1902% | 3,359 |
| Credit loss provision to net charge-offs | 230.7692% | 1,326 |
| Earnings coverage of net charge-offs (x) | 38.5385% | 700 |
| Efficiency ratio | 26.5396% | 7,507 |
| Assets per employee ($millions) | 5.4082% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,918 |
| Loan loss allowance to noncurrent loans | 19.4962% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 5.3663% | 1,149 |
| Noncurrent loans to loans | 6.9012% | 817 |
| Net loans and leases to total assets | 53.6282% | 5,360 |
| Net loans and leases to deposits | 81.5693% | 2,435 |
| Net loans and leases to core deposits | 83.3403% | 3,251 |
| Total domestic deposits to total assets | 65.7456% | 7,336 |
| Equity capital to assets | 31.5898% | 71 |
| Core capital (leverage) ratio | 31.6340% | 70 |
| Tier 1 risk-based capital ratio | 44.2030% | 182 |
| Total risk-based capital ratio | 45.2264% | 183 |
| Memoranda: | ||
| Average total assets | $48,888,500 | 6,559 |
| Average earning assets | $47,102,000 | 6,446 |
| Average equity | $15,126,000 | 3,878 |
| Average total loans | $27,344,500 | 6,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 3,985 |
| Cost of funding earning assets | 0.8168% | 6,494 |
| Net interest margin | 4.3071% | 1,798 |
| Noninterest income to average assets | 0.2907% | 5,704 |
| Noninterest expense to average assets | 1.4194% | 7,474 |
| Loan and lease loss provision to assets | 0.1069% | 6,081 |
| Net operating income to assets | 2.1484% | 215 |
| Return on assets (ROA) | 2.1484% | 226 |
| Pretax return on assets | 2.9350% | 126 |
| Return on Equity (ROE) | 7.0036% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.0036% | 1,321 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8160% | 7,578 |
| Assets per employee ($millions) | 5.4559% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,508 |
| Loan loss allowance to noncurrent loans | 13.2785% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 5.4090% | 1,145 |
| Noncurrent loans to loans | 9.0436% | 513 |
| Net loans and leases to total assets | 56.8010% | 5,215 |
| Net loans and leases to deposits | 81.6027% | 2,884 |
| Net loans and leases to core deposits | 83.2592% | 3,710 |
| Total domestic deposits to total assets | 69.6067% | 7,255 |
| Equity capital to assets | 30.2955% | 79 |
| Core capital (leverage) ratio | 31.1318% | 79 |
| Tier 1 risk-based capital ratio | 42.2182% | 207 |
| Total risk-based capital ratio | 43.1803% | 205 |
| Memoranda: | ||
| Average total assets | $46,779,600 | 6,645 |
| Average earning assets | $45,297,800 | 6,525 |
| Average equity | $14,349,800 | 4,059 |
| Average total loans | $28,822,800 | 6,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 4,662 |
| Cost of funding earning assets | 0.8458% | 6,601 |
| Net interest margin | 4.1874% | 2,261 |
| Noninterest income to average assets | 0.3146% | 5,635 |
| Noninterest expense to average assets | 1.4170% | 7,587 |
| Loan and lease loss provision to assets | 0.0577% | 6,490 |
| Net operating income to assets | 1.9250% | 387 |
| Return on assets (ROA) | 1.9250% | 423 |
| Pretax return on assets | 2.8975% | 137 |
| Return on Equity (ROE) | 6.2547% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.2547% | 2,229 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4092% | 7,666 |
| Assets per employee ($millions) | 5.3744% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,079 |
| Loan loss allowance to noncurrent loans | 10.6736% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 6.1981% | 952 |
| Noncurrent loans to loans | 10.0145% | 421 |
| Net loans and leases to total assets | 59.1255% | 5,078 |
| Net loans and leases to deposits | 84.7227% | 2,569 |
| Net loans and leases to core deposits | 86.4593% | 3,586 |
| Total domestic deposits to total assets | 69.7871% | 7,283 |
| Equity capital to assets | 30.0558% | 86 |
| Core capital (leverage) ratio | 31.2162% | 78 |
| Tier 1 risk-based capital ratio | 41.3281% | 227 |
| Total risk-based capital ratio | 42.2066% | 227 |
| Memoranda: | ||
| Average total assets | $46,198,750 | 6,731 |
| Average earning assets | $44,768,500 | 6,628 |
| Average equity | $14,218,250 | 4,154 |
| Average total loans | $28,971,000 | 6,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 3,774 |
| Cost of funding earning assets | 0.8919% | 6,617 |
| Net interest margin | 4.3462% | 1,609 |
| Noninterest income to average assets | 0.3299% | 5,518 |
| Noninterest expense to average assets | 1.4206% | 7,655 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1990% | 232 |
| Return on assets (ROA) | 2.1990% | 254 |
| Pretax return on assets | 3.1314% | 112 |
| Return on Equity (ROE) | 7.0863% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,797 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2077% | 7,733 |
| Assets per employee ($millions) | 5.0833% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,423 |
| Loan loss allowance to noncurrent loans | 18.4194% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 3.6503% | 1,919 |
| Noncurrent loans to loans | 5.4096% | 1,227 |
| Net loans and leases to total assets | 62.7650% | 4,526 |
| Net loans and leases to deposits | 94.6472% | 1,195 |
| Net loans and leases to core deposits | 95.9117% | 2,447 |
| Total domestic deposits to total assets | 66.3148% | 7,514 |
| Equity capital to assets | 31.4120% | 74 |
| Core capital (leverage) ratio | 31.8400% | 71 |
| Tier 1 risk-based capital ratio | 41.3721% | 225 |
| Total risk-based capital ratio | 42.2041% | 227 |
| Memoranda: | ||
| Average total assets | $45,475,000 | 6,810 |
| Average earning assets | $44,176,330 | 6,693 |
| Average equity | $14,111,670 | 4,176 |
| Average total loans | $28,992,000 | 6,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 3,955 |
| Cost of funding earning assets | 0.9203% | 6,696 |
| Net interest margin | 4.2915% | 1,714 |
| Noninterest income to average assets | 0.3353% | 5,458 |
| Noninterest expense to average assets | 1.4381% | 7,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9586% | 371 |
| Return on assets (ROA) | 1.9586% | 404 |
| Pretax return on assets | 3.0527% | 134 |
| Return on Equity (ROE) | 6.3510% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.3510% | 2,444 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0236% | 7,832 |
| Assets per employee ($millions) | 5.0881% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,413 |
| Loan loss allowance to noncurrent loans | 19.0508% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 3.5333% | 1,987 |
| Noncurrent loans to loans | 5.2955% | 1,335 |
| Net loans and leases to total assets | 61.9265% | 4,774 |
| Net loans and leases to deposits | 95.8429% | 1,127 |
| Net loans and leases to core deposits | 98.0669% | 2,338 |
| Total domestic deposits to total assets | 64.6125% | 7,657 |
| Equity capital to assets | 30.7754% | 78 |
| Core capital (leverage) ratio | 31.3715% | 78 |
| Tier 1 risk-based capital ratio | 40.5029% | 245 |
| Total risk-based capital ratio | 41.3335% | 246 |
| Memoranda: | ||
| Average total assets | $45,337,500 | 6,899 |
| Average earning assets | $43,900,500 | 6,782 |
| Average equity | $13,982,000 | 4,250 |
| Average total loans | $28,986,000 | 6,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 3,735 |
| Cost of funding earning assets | 1.1891% | 6,689 |
| Net interest margin | 4.3852% | 1,476 |
| Noninterest income to average assets | 0.3451% | 5,620 |
| Noninterest expense to average assets | 1.4490% | 7,827 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.1118% | 180 |
| Return on assets (ROA) | 2.1118% | 194 |
| Pretax return on assets | 3.1357% | 85 |
| Return on Equity (ROE) | 6.8906% | 2,832 |
| Retained earnings to average equity (ytd only) | 6.8906% | 1,005 |
| Net charge-offs to loans | 0.0100% | 7,092 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 457.3333% | 60 |
| Efficiency ratio | 31.6052% | 7,925 |
| Assets per employee ($millions) | 4.9869% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,465 |
| Loan loss allowance to noncurrent loans | 20.1253% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 1,967 |
| Noncurrent loans to loans | 4.8968% | 1,391 |
| Net loans and leases to total assets | 64.6941% | 4,445 |
| Net loans and leases to deposits | 95.3188% | 1,413 |
| Net loans and leases to core deposits | 101.7237% | 3,825 |
| Total domestic deposits to total assets | 67.8713% | 7,556 |
| Equity capital to assets | 30.9055% | 95 |
| Core capital (leverage) ratio | 31.1148% | 92 |
| Tier 1 risk-based capital ratio | 38.5605% | 276 |
| Total risk-based capital ratio | 39.3639% | 274 |
| Memoranda: | ||
| Average total assets | $43,754,400 | 6,953 |
| Average earning assets | $42,301,600 | 6,848 |
| Average equity | $13,409,600 | 4,400 |
| Average total loans | $30,052,600 | 6,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 3,709 |
| Cost of funding earning assets | 1.2407% | 6,757 |
| Net interest margin | 4.3866% | 1,478 |
| Noninterest income to average assets | 0.3466% | 5,727 |
| Noninterest expense to average assets | 1.3740% | 7,931 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0579% | 253 |
| Return on assets (ROA) | 2.0579% | 284 |
| Pretax return on assets | 3.2234% | 89 |
| Return on Equity (ROE) | 6.7295% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.7295% | 1,617 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8866% | 8,009 |
| Assets per employee ($millions) | 4.8894% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,354 |
| Loan loss allowance to noncurrent loans | 24.6206% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 2.6951% | 2,589 |
| Noncurrent loans to loans | 4.0228% | 1,827 |
| Net loans and leases to total assets | 66.3334% | 4,345 |
| Net loans and leases to deposits | 97.8578% | 1,345 |
| Net loans and leases to core deposits | 105.3258% | 3,779 |
| Total domestic deposits to total assets | 67.7855% | 7,596 |
| Equity capital to assets | 30.9465% | 106 |
| Core capital (leverage) ratio | 31.0311% | 117 |
| Tier 1 risk-based capital ratio | 38.9030% | 300 |
| Total risk-based capital ratio | 39.7372% | 302 |
| Memoranda: | ||
| Average total assets | $43,472,500 | 7,015 |
| Average earning assets | $42,127,000 | 6,903 |
| Average equity | $13,294,250 | 4,464 |
| Average total loans | $30,234,500 | 6,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 3,799 |
| Cost of funding earning assets | 1.2875% | 6,847 |
| Net interest margin | 4.3661% | 1,481 |
| Noninterest income to average assets | 0.3603% | 5,631 |
| Noninterest expense to average assets | 1.3674% | 8,027 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0603% | 255 |
| Return on assets (ROA) | 2.0603% | 281 |
| Pretax return on assets | 3.2382% | 86 |
| Return on Equity (ROE) | 6.7646% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.7646% | 1,677 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6891% | 8,106 |
| Assets per employee ($millions) | 4.8240% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 6,321 |
| Loan loss allowance to noncurrent loans | 24.7248% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 2.7202% | 2,361 |
| Noncurrent loans to loans | 4.0049% | 1,694 |
| Net loans and leases to total assets | 67.2494% | 4,301 |
| Net loans and leases to deposits | 98.8489% | 1,417 |
| Net loans and leases to core deposits | 106.4535% | 3,784 |
| Total domestic deposits to total assets | 68.0325% | 7,624 |
| Equity capital to assets | 30.8481% | 127 |
| Core capital (leverage) ratio | 30.6532% | 135 |
| Tier 1 risk-based capital ratio | 39.1254% | 327 |
| Total risk-based capital ratio | 39.9784% | 327 |
| Memoranda: | ||
| Average total assets | $43,295,000 | 7,086 |
| Average earning assets | $42,097,000 | 6,965 |
| Average equity | $13,186,330 | 4,499 |
| Average total loans | $30,485,330 | 6,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 2,755 |
| Cost of funding earning assets | 1.3194% | 6,962 |
| Net interest margin | 4.5895% | 956 |
| Noninterest income to average assets | 0.3793% | 5,392 |
| Noninterest expense to average assets | 1.4248% | 8,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5165% | 134 |
| Return on assets (ROA) | 2.5165% | 161 |
| Pretax return on assets | 3.4602% | 85 |
| Return on Equity (ROE) | 8.3161% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.3161% | 1,699 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1667% | 8,154 |
| Assets per employee ($millions) | 4.7896% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,458 |
| Loan loss allowance to noncurrent loans | 23.4350% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 2.8905% | 1,971 |
| Noncurrent loans to loans | 4.0776% | 1,472 |
| Net loans and leases to total assets | 70.2106% | 3,624 |
| Net loans and leases to deposits | 101.9985% | 1,174 |
| Net loans and leases to core deposits | 110.6784% | 3,347 |
| Total domestic deposits to total assets | 68.8350% | 7,533 |
| Equity capital to assets | 30.6663% | 138 |
| Core capital (leverage) ratio | 30.3418% | 151 |
| Tier 1 risk-based capital ratio | 38.2251% | 358 |
| Total risk-based capital ratio | 39.0695% | 355 |
| Memoranda: | ||
| Average total assets | $43,234,500 | 7,123 |
| Average earning assets | $42,445,000 | 6,999 |
| Average equity | $13,083,000 | 4,562 |
| Average total loans | $30,983,500 | 6,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 4,068 |
| Cost of funding earning assets | 1.7995% | 7,009 |
| Net interest margin | 4.4808% | 1,471 |
| Noninterest income to average assets | 0.3605% | 5,838 |
| Noninterest expense to average assets | 1.9779% | 7,483 |
| Loan and lease loss provision to assets | 0.1340% | 5,645 |
| Net operating income to assets | 1.8231% | 531 |
| Return on assets (ROA) | 1.2408% | 1,597 |
| Pretax return on assets | 1.7607% | 1,021 |
| Return on Equity (ROE) | 4.2044% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.2044% | 2,504 |
| Net charge-offs to loans | 0.1695% | 4,507 |
| Credit loss provision to net charge-offs | 116.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,415 |
| Efficiency ratio | 42.0432% | 8,069 |
| Assets per employee ($millions) | 4.8181% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 6,509 |
| Loan loss allowance to noncurrent loans | 28.1581% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 2.3914% | 2,031 |
| Noncurrent loans to loans | 3.3015% | 1,569 |
| Net loans and leases to total assets | 71.7616% | 3,639 |
| Net loans and leases to deposits | 102.6658% | 1,511 |
| Net loans and leases to core deposits | 110.7205% | 3,714 |
| Total domestic deposits to total assets | 69.8983% | 7,286 |
| Equity capital to assets | 29.8573% | 176 |
| Core capital (leverage) ratio | 29.5938% | 187 |
| Tier 1 risk-based capital ratio | 37.8656% | 375 |
| Total risk-based capital ratio | 38.7196% | 376 |
| Memoranda: | ||
| Average total assets | $43,278,400 | 7,063 |
| Average earning assets | $41,957,000 | 6,951 |
| Average equity | $12,772,200 | 4,631 |
| Average total loans | $29,496,600 | 6,741 |