Home > Liberty State Bank > Performance and Condition Ratios
Liberty State Bank, Performance and Condition Ratios
| 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 | 4.1339% | 3,625 |
| Cost of funding earning assets | 0.9786% | 554 |
| Net interest margin | 3.1553% | 5,130 |
| Noninterest income to average assets | 0.5428% | 3,503 |
| Noninterest expense to average assets | 2.2073% | 5,591 |
| Loan and lease loss provision to assets | 0.5680% | 447 |
| Net operating income to assets | 0.6252% | 4,239 |
| Return on assets (ROA) | 0.6252% | 4,363 |
| Pretax return on assets | 0.7170% | 4,630 |
| Return on Equity (ROE) | 6.6381% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.4320% | 2,775 |
| Net charge-offs to loans | 1.1103% | 508 |
| Credit loss provision to net charge-offs | 94.4056% | 2,521 |
| Earnings coverage of net charge-offs (x) | 2.1357% | 4,128 |
| Efficiency ratio | 63.2048% | 4,946 |
| Assets per employee ($millions) | 4.9883% | 2,178 |
| Cash dividends to net income (ytd only)* | 18.1701% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 1,270 |
| Loan loss allowance to noncurrent loans | 116.3842% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 2.1889% | 1,824 |
| Noncurrent loans to loans | 1.9239% | 2,333 |
| Net loans and leases to total assets | 50.7117% | 5,046 |
| Net loans and leases to deposits | 58.3422% | 5,154 |
| Net loans and leases to core deposits | 62.3814% | 5,075 |
| Total domestic deposits to total assets | 86.9211% | 2,738 |
| Equity capital to assets | 9.1966% | 4,939 |
| Core capital (leverage) ratio | 9.2941% | 4,701 |
| Tier 1 risk-based capital ratio | 17.7902% | 2,410 |
| Total risk-based capital ratio | 19.0517% | 2,369 |
| Memoranda: | ||
| Average total assets | $158,442,250 | 3,616 |
| Average earning assets | $148,106,500 | 3,574 |
| Average equity | $14,923,500 | 3,930 |
| Average total loans | $85,864,000 | 3,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 3,606 |
| Cost of funding earning assets | 1.0254% | 479 |
| Net interest margin | 3.1101% | 5,244 |
| Noninterest income to average assets | 0.4581% | 4,109 |
| Noninterest expense to average assets | 2.2436% | 5,515 |
| Loan and lease loss provision to assets | 0.5694% | 452 |
| Net operating income to assets | 0.5163% | 4,727 |
| Return on assets (ROA) | 0.5163% | 4,898 |
| Pretax return on assets | 0.5543% | 5,184 |
| Return on Equity (ROE) | 5.4383% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.6389% | 3,996 |
| Net charge-offs to loans | 1.5515% | 334 |
| Credit loss provision to net charge-offs | 66.7656% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.3175% | 4,103 |
| Efficiency ratio | 66.6291% | 4,426 |
| Assets per employee ($millions) | 4.8308% | 2,325 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 1,904 |
| Loan loss allowance to noncurrent loans | 85.7730% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4069% | 1,766 |
| Noncurrent loans to loans | 2.3041% | 2,051 |
| Net loans and leases to total assets | 51.9597% | 4,871 |
| Net loans and leases to deposits | 59.6321% | 5,010 |
| Net loans and leases to core deposits | 63.2846% | 4,971 |
| Total domestic deposits to total assets | 87.1337% | 2,739 |
| Equity capital to assets | 9.3353% | 4,806 |
| Core capital (leverage) ratio | 9.0774% | 4,865 |
| Tier 1 risk-based capital ratio | 17.3212% | 2,582 |
| Total risk-based capital ratio | 18.5800% | 2,550 |
| Memoranda: | ||
| Average total assets | $158,048,330 | 3,650 |
| Average earning assets | $147,842,670 | 3,599 |
| Average equity | $15,004,670 | 3,945 |
| Average total loans | $86,884,670 | 3,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 3,272 |
| Cost of funding earning assets | 1.0434% | 485 |
| Net interest margin | 3.1655% | 5,041 |
| Noninterest income to average assets | 0.4296% | 4,253 |
| Noninterest expense to average assets | 2.3589% | 5,243 |
| Loan and lease loss provision to assets | 0.5719% | 448 |
| Net operating income to assets | 0.4499% | 4,909 |
| Return on assets (ROA) | 0.4499% | 5,069 |
| Pretax return on assets | 0.4601% | 5,388 |
| Return on Equity (ROE) | 4.6993% | 4,738 |
| Retained earnings to average equity (ytd only) | 1.1151% | 5,408 |
| Net charge-offs to loans | 1.4033% | 389 |
| Credit loss provision to net charge-offs | 72.8155% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.3139% | 3,395 |
| Efficiency ratio | 69.5652% | 4,044 |
| Assets per employee ($millions) | 4.5135% | 2,941 |
| Cash dividends to net income (ytd only)* | 76.2712% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 1,839 |
| Loan loss allowance to noncurrent loans | 61.5228% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.1714% | 1,379 |
| Noncurrent loans to loans | 3.3826% | 1,428 |
| Net loans and leases to total assets | 53.9108% | 4,433 |
| Net loans and leases to deposits | 60.2750% | 4,762 |
| Net loans and leases to core deposits | 62.8334% | 4,868 |
| Total domestic deposits to total assets | 89.4413% | 1,390 |
| Equity capital to assets | 9.5092% | 4,839 |
| Core capital (leverage) ratio | 9.1711% | 4,611 |
| Tier 1 risk-based capital ratio | 16.9116% | 2,794 |
| Total risk-based capital ratio | 18.1722% | 2,764 |
| Memoranda: | ||
| Average total assets | $157,364,500 | 3,691 |
| Average earning assets | $147,212,500 | 3,642 |
| Average equity | $15,066,000 | 3,986 |
| Average total loans | $88,076,000 | 3,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 2,000 |
| Cost of funding earning assets | 1.2055% | 560 |
| Net interest margin | 3.6506% | 3,872 |
| Noninterest income to average assets | 0.4732% | 4,076 |
| Noninterest expense to average assets | 2.3317% | 5,608 |
| Loan and lease loss provision to assets | 0.6032% | 910 |
| Net operating income to assets | 0.7684% | 3,425 |
| Return on assets (ROA) | 0.7684% | 3,672 |
| Pretax return on assets | 0.9377% | 3,787 |
| Return on Equity (ROE) | 7.7455% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.9030% | 2,140 |
| Net charge-offs to loans | 0.6146% | 1,901 |
| Credit loss provision to net charge-offs | 167.7966% | 1,581 |
| Earnings coverage of net charge-offs (x) | 4.2863% | 3,420 |
| Efficiency ratio | 60.2098% | 5,507 |
| Assets per employee ($millions) | 4.4787% | 3,000 |
| Cash dividends to net income (ytd only)* | 23.7885% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 1,700 |
| Loan loss allowance to noncurrent loans | 65.1307% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.7278% | 1,772 |
| Noncurrent loans to loans | 3.2609% | 1,574 |
| Net loans and leases to total assets | 55.6812% | 4,351 |
| Net loans and leases to deposits | 62.3463% | 4,746 |
| Net loans and leases to core deposits | 65.0119% | 4,834 |
| Total domestic deposits to total assets | 89.3094% | 1,365 |
| Equity capital to assets | 9.6392% | 4,677 |
| Core capital (leverage) ratio | 9.2727% | 4,465 |
| Tier 1 risk-based capital ratio | 16.8610% | 2,720 |
| Total risk-based capital ratio | 18.1228% | 2,677 |
| Memoranda: | ||
| Average total assets | $147,705,200 | 3,810 |
| Average earning assets | $137,539,600 | 3,764 |
| Average equity | $14,653,600 | 4,029 |
| Average total loans | $86,403,800 | 3,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 1,784 |
| Cost of funding earning assets | 1.2281% | 608 |
| Net interest margin | 3.7384% | 3,618 |
| Noninterest income to average assets | 0.4648% | 4,181 |
| Noninterest expense to average assets | 2.3725% | 5,478 |
| Loan and lease loss provision to assets | 0.5189% | 1,160 |
| Net operating income to assets | 0.8415% | 3,252 |
| Return on assets (ROA) | 0.8415% | 3,501 |
| Pretax return on assets | 1.0478% | 3,541 |
| Return on Equity (ROE) | 8.4182% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.9423% | 2,735 |
| Net charge-offs to loans | 0.6829% | 1,618 |
| Credit loss provision to net charge-offs | 128.9294% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.8929% | 3,472 |
| Efficiency ratio | 60.2281% | 5,461 |
| Assets per employee ($millions) | 4.4657% | 2,972 |
| Cash dividends to net income (ytd only)* | 29.4117% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 2,443 |
| Loan loss allowance to noncurrent loans | 54.2633% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 1,785 |
| Noncurrent loans to loans | 3.5173% | 1,542 |
| Net loans and leases to total assets | 56.2222% | 4,413 |
| Net loans and leases to deposits | 63.1926% | 4,817 |
| Net loans and leases to core deposits | 65.9928% | 4,953 |
| Total domestic deposits to total assets | 88.9696% | 1,447 |
| Equity capital to assets | 9.8633% | 4,690 |
| Core capital (leverage) ratio | 9.5123% | 4,251 |
| Tier 1 risk-based capital ratio | 17.0485% | 2,716 |
| Total risk-based capital ratio | 18.3076% | 2,661 |
| Memoranda: | ||
| Average total assets | $145,442,750 | 3,893 |
| Average earning assets | $135,169,250 | 3,849 |
| Average equity | $14,539,500 | 4,092 |
| Average total loans | $85,710,500 | 3,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,579 |
| Cost of funding earning assets | 1.2545% | 633 |
| Net interest margin | 3.8222% | 3,257 |
| Noninterest income to average assets | 0.4187% | 4,516 |
| Noninterest expense to average assets | 2.4339% | 5,348 |
| Loan and lease loss provision to assets | 0.4759% | 1,336 |
| Net operating income to assets | 0.8412% | 3,189 |
| Return on assets (ROA) | 0.8457% | 3,434 |
| Pretax return on assets | 1.0564% | 3,484 |
| Return on Equity (ROE) | 8.4202% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.5444% | 2,364 |
| Net charge-offs to loans | 0.1313% | 3,876 |
| Credit loss provision to net charge-offs | 608.9286% | 511 |
| Earnings coverage of net charge-offs (x) | 19.5357% | 1,433 |
| Efficiency ratio | 61.4517% | 5,341 |
| Assets per employee ($millions) | 4.4976% | 2,907 |
| Cash dividends to net income (ytd only)* | 22.2772% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 2,136 |
| Loan loss allowance to noncurrent loans | 26.6559% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 5.3018% | 867 |
| Noncurrent loans to loans | 7.6432% | 464 |
| Net loans and leases to total assets | 58.9286% | 4,001 |
| Net loans and leases to deposits | 66.2779% | 4,474 |
| Net loans and leases to core deposits | 68.7386% | 4,702 |
| Total domestic deposits to total assets | 88.9113% | 1,567 |
| Equity capital to assets | 9.8981% | 4,493 |
| Core capital (leverage) ratio | 9.4707% | 4,178 |
| Tier 1 risk-based capital ratio | 16.6054% | 2,858 |
| Total risk-based capital ratio | 17.8664% | 2,810 |
| Memoranda: | ||
| Average total assets | $143,312,000 | 3,946 |
| Average earning assets | $132,804,000 | 3,906 |
| Average equity | $14,394,000 | 4,110 |
| Average total loans | $85,272,000 | 3,937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 2,109 |
| Cost of funding earning assets | 1.2848% | 671 |
| Net interest margin | 3.6516% | 4,045 |
| Noninterest income to average assets | 0.2387% | 5,921 |
| Noninterest expense to average assets | 2.5008% | 5,143 |
| Loan and lease loss provision to assets | 0.3439% | 1,816 |
| Net operating income to assets | 0.6593% | 4,084 |
| Return on assets (ROA) | 0.6593% | 4,293 |
| Pretax return on assets | 0.7701% | 4,529 |
| Return on Equity (ROE) | 6.5143% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.7237% | 4,897 |
| Net charge-offs to loans | 0.0721% | 3,776 |
| Credit loss provision to net charge-offs | 806.6667% | 430 |
| Earnings coverage of net charge-offs (x) | 26.1333% | 1,009 |
| Efficiency ratio | 69.1824% | 3,951 |
| Assets per employee ($millions) | 3.6967% | 4,661 |
| Cash dividends to net income (ytd only)* | 58.1897% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 2,448 |
| Loan loss allowance to noncurrent loans | 38.9179% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.7823% | 1,477 |
| Noncurrent loans to loans | 5.0617% | 1,105 |
| Net loans and leases to total assets | 56.6089% | 4,269 |
| Net loans and leases to deposits | 63.7193% | 4,670 |
| Net loans and leases to core deposits | 66.1541% | 4,897 |
| Total domestic deposits to total assets | 88.8410% | 1,795 |
| Equity capital to assets | 9.8918% | 4,264 |
| Core capital (leverage) ratio | 9.6268% | 3,880 |
| Tier 1 risk-based capital ratio | 17.2406% | 2,582 |
| Total risk-based capital ratio | 18.5082% | 2,545 |
| Memoranda: | ||
| Average total assets | $140,757,000 | 4,016 |
| Average earning assets | $130,136,500 | 3,986 |
| Average equity | $14,245,500 | 4,149 |
| Average total loans | $83,267,000 | 4,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 2,246 |
| Cost of funding earning assets | 1.4705% | 800 |
| Net interest margin | 3.6806% | 4,386 |
| Noninterest income to average assets | 1.0521% | 1,212 |
| Noninterest expense to average assets | 2.3661% | 5,859 |
| Loan and lease loss provision to assets | 1.2040% | 732 |
| Net operating income to assets | 0.8885% | 2,651 |
| Return on assets (ROA) | 0.8885% | 2,784 |
| Pretax return on assets | 0.8958% | 3,618 |
| Return on Equity (ROE) | 8.8790% | 2,504 |
| Retained earnings to average equity (ytd only) | 0.1906% | 5,753 |
| Net charge-offs to loans | 1.9317% | 734 |
| Credit loss provision to net charge-offs | 99.0344% | 3,618 |
| Earnings coverage of net charge-offs (x) | 1.7272% | 4,481 |
| Efficiency ratio | 52.9818% | 6,615 |
| Assets per employee ($millions) | 3.6143% | 4,735 |
| Cash dividends to net income (ytd only)* | 97.8530% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 2,740 |
| Loan loss allowance to noncurrent loans | 27.4517% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 4.9278% | 1,088 |
| Noncurrent loans to loans | 6.7098% | 682 |
| Net loans and leases to total assets | 59.5199% | 4,076 |
| Net loans and leases to deposits | 67.4374% | 4,524 |
| Net loans and leases to core deposits | 70.1619% | 4,758 |
| Total domestic deposits to total assets | 88.2594% | 1,997 |
| Equity capital to assets | 10.3608% | 3,698 |
| Core capital (leverage) ratio | 9.8950% | 3,467 |
| Tier 1 risk-based capital ratio | 16.6880% | 2,738 |
| Total risk-based capital ratio | 17.9462% | 2,696 |
| Memoranda: | ||
| Average total assets | $136,297,400 | 4,048 |
| Average earning assets | $126,420,600 | 4,008 |
| Average equity | $13,639,000 | 4,201 |
| Average total loans | $85,778,000 | 3,970 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 1,605 |
| Cost of funding earning assets | 1.5010% | 856 |
| Net interest margin | 3.8694% | 3,525 |
| Noninterest income to average assets | 0.6890% | 2,674 |
| Noninterest expense to average assets | 2.4375% | 5,666 |
| Loan and lease loss provision to assets | 0.6488% | 1,514 |
| Net operating income to assets | 0.9644% | 2,458 |
| Return on assets (ROA) | 0.9644% | 2,631 |
| Pretax return on assets | 1.2006% | 2,632 |
| Return on Equity (ROE) | 9.7246% | 2,306 |
| Retained earnings to average equity (ytd only) | -1.9864% | 6,295 |
| Net charge-offs to loans | 0.5679% | 2,539 |
| Credit loss provision to net charge-offs | 179.8913% | 1,657 |
| Earnings coverage of net charge-offs (x) | 5.1278% | 2,868 |
| Efficiency ratio | 56.8587% | 6,164 |
| Assets per employee ($millions) | 3.6780% | 4,582 |
| Cash dividends to net income (ytd only)* | 120.4265% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,922 |
| Loan loss allowance to noncurrent loans | 30.4090% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 4.8749% | 1,190 |
| Noncurrent loans to loans | 7.1360% | 690 |
| Net loans and leases to total assets | 61.0890% | 3,926 |
| Net loans and leases to deposits | 69.5162% | 4,378 |
| Net loans and leases to core deposits | 72.3626% | 4,666 |
| Total domestic deposits to total assets | 87.8774% | 2,110 |
| Equity capital to assets | 10.2936% | 3,964 |
| Core capital (leverage) ratio | 9.7170% | 3,819 |
| Tier 1 risk-based capital ratio | 15.9253% | 3,152 |
| Total risk-based capital ratio | 17.1875% | 3,104 |
| Memoranda: | ||
| Average total assets | $136,035,750 | 4,080 |
| Average earning assets | $126,492,500 | 4,026 |
| Average equity | $13,491,250 | 4,242 |
| Average total loans | $86,402,250 | 3,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 2,079 |
| Cost of funding earning assets | 1.5394% | 863 |
| Net interest margin | 3.7056% | 4,234 |
| Noninterest income to average assets | 0.7146% | 2,464 |
| Noninterest expense to average assets | 2.4438% | 5,720 |
| Loan and lease loss provision to assets | 0.6176% | 1,546 |
| Net operating income to assets | 0.9013% | 2,632 |
| Return on assets (ROA) | 0.9013% | 2,743 |
| Pretax return on assets | 1.1043% | 2,833 |
| Return on Equity (ROE) | 9.2049% | 2,433 |
| Retained earnings to average equity (ytd only) | -6.5621% | 6,691 |
| Net charge-offs to loans | 0.6584% | 2,197 |
| Credit loss provision to net charge-offs | 146.8531% | 2,083 |
| Earnings coverage of net charge-offs (x) | 4.0944% | 2,966 |
| Efficiency ratio | 58.6657% | 6,076 |
| Assets per employee ($millions) | 3.8022% | 4,187 |
| Cash dividends to net income (ytd only)* | 171.2887% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,607 |
| Loan loss allowance to noncurrent loans | 36.0831% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.8282% | 1,691 |
| Noncurrent loans to loans | 5.3237% | 1,202 |
| Net loans and leases to total assets | 62.8158% | 3,715 |
| Net loans and leases to deposits | 71.0188% | 4,291 |
| Net loans and leases to core deposits | 73.8872% | 4,590 |
| Total domestic deposits to total assets | 88.4496% | 1,882 |
| Equity capital to assets | 9.9147% | 4,256 |
| Core capital (leverage) ratio | 9.5385% | 3,894 |
| Tier 1 risk-based capital ratio | 15.3039% | 3,345 |
| Total risk-based capital ratio | 16.5627% | 3,295 |
| Memoranda: | ||
| Average total assets | $136,019,330 | 4,110 |
| Average earning assets | $126,673,670 | 4,053 |
| Average equity | $13,319,000 | 4,273 |
| Average total loans | $86,877,330 | 4,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 2,117 |
| Cost of funding earning assets | 1.6191% | 761 |
| Net interest margin | 3.6096% | 4,529 |
| Noninterest income to average assets | 0.6313% | 2,955 |
| Noninterest expense to average assets | 2.4220% | 5,824 |
| Loan and lease loss provision to assets | 0.8850% | 914 |
| Net operating income to assets | 0.6195% | 3,928 |
| Return on assets (ROA) | 0.6195% | 3,995 |
| Pretax return on assets | 0.6785% | 4,389 |
| Return on Equity (ROE) | 6.3670% | 3,693 |
| Retained earnings to average equity (ytd only) | -25.4681% | 7,246 |
| Net charge-offs to loans | 0.6475% | 1,910 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 2,632 |
| Efficiency ratio | 60.7698% | 5,866 |
| Assets per employee ($millions) | 3.6019% | 4,751 |
| Cash dividends to net income (ytd only)* | 500.0000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 2,461 |
| Loan loss allowance to noncurrent loans | 44.0154% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 3.2928% | 2,081 |
| Noncurrent loans to loans | 4.5050% | 1,551 |
| Net loans and leases to total assets | 61.7553% | 3,909 |
| Net loans and leases to deposits | 69.2027% | 4,492 |
| Net loans and leases to core deposits | 71.9667% | 4,790 |
| Total domestic deposits to total assets | 89.2383% | 1,627 |
| Equity capital to assets | 9.3984% | 4,574 |
| Core capital (leverage) ratio | 9.2563% | 4,198 |
| Tier 1 risk-based capital ratio | 15.1056% | 3,371 |
| Total risk-based capital ratio | 16.3653% | 3,325 |
| Memoranda: | ||
| Average total assets | $135,590,000 | 4,146 |
| Average earning assets | $125,997,000 | 4,108 |
| Average equity | $13,193,000 | 4,295 |
| Average total loans | $86,483,500 | 4,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 2,239 |
| Cost of funding earning assets | 1.8855% | 894 |
| Net interest margin | 3.6240% | 4,706 |
| Noninterest income to average assets | 0.7220% | 2,699 |
| Noninterest expense to average assets | 2.4400% | 5,975 |
| Loan and lease loss provision to assets | 0.5875% | 2,783 |
| Net operating income to assets | 0.8668% | 2,528 |
| Return on assets (ROA) | 0.8668% | 2,664 |
| Pretax return on assets | 1.0651% | 2,714 |
| Return on Equity (ROE) | 8.7610% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.8466% | 1,389 |
| Net charge-offs to loans | 0.6691% | 3,005 |
| Credit loss provision to net charge-offs | 136.3793% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.8362% | 3,167 |
| Efficiency ratio | 59.6189% | 6,102 |
| Assets per employee ($millions) | 3.5344% | 4,861 |
| Cash dividends to net income (ytd only)* | 21.8509% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,906 |
| Loan loss allowance to noncurrent loans | 41.8354% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 3.1465% | 2,253 |
| Noncurrent loans to loans | 4.2719% | 1,695 |
| Net loans and leases to total assets | 63.4223% | 3,985 |
| Net loans and leases to deposits | 71.5534% | 4,596 |
| Net loans and leases to core deposits | 74.4834% | 4,911 |
| Total domestic deposits to total assets | 88.6364% | 1,871 |
| Equity capital to assets | 10.0681% | 3,662 |
| Core capital (leverage) ratio | 9.8731% | 3,241 |
| Tier 1 risk-based capital ratio | 16.0275% | 2,736 |
| Total risk-based capital ratio | 17.2851% | 2,692 |
| Memoranda: | ||
| Average total assets | $134,631,000 | 4,168 |
| Average earning assets | $125,220,000 | 4,127 |
| Average equity | $13,320,400 | 4,305 |
| Average total loans | $86,690,000 | 4,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 2,560 |
| Cost of funding earning assets | 1.9360% | 911 |
| Net interest margin | 3.5338% | 5,169 |
| Noninterest income to average assets | 0.7186% | 2,716 |
| Noninterest expense to average assets | 2.4140% | 5,988 |
| Loan and lease loss provision to assets | 0.6770% | 2,255 |
| Net operating income to assets | 0.7641% | 3,163 |
| Return on assets (ROA) | 0.7641% | 3,316 |
| Pretax return on assets | 0.9155% | 3,509 |
| Return on Equity (ROE) | 7.7567% | 3,003 |
| Retained earnings to average equity (ytd only) | 5.1946% | 2,843 |
| Net charge-offs to loans | 0.8629% | 2,288 |
| Credit loss provision to net charge-offs | 121.9251% | 3,370 |
| Earnings coverage of net charge-offs (x) | 2.8681% | 3,696 |
| Efficiency ratio | 60.2520% | 5,911 |
| Assets per employee ($millions) | 3.5365% | 4,890 |
| Cash dividends to net income (ytd only)* | 33.0309% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 3,254 |
| Loan loss allowance to noncurrent loans | 39.5935% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 3.0394% | 2,384 |
| Noncurrent loans to loans | 4.2175% | 1,729 |
| Net loans and leases to total assets | 62.3764% | 4,454 |
| Net loans and leases to deposits | 70.6832% | 5,053 |
| Net loans and leases to core deposits | 76.6084% | 4,978 |
| Total domestic deposits to total assets | 88.2479% | 1,830 |
| Equity capital to assets | 10.0287% | 4,128 |
| Core capital (leverage) ratio | 9.4565% | 3,968 |
| Tier 1 risk-based capital ratio | 15.3474% | 3,076 |
| Total risk-based capital ratio | 16.6035% | 3,032 |
| Memoranda: | ||
| Average total assets | $134,712,250 | 4,215 |
| Average earning assets | $125,340,000 | 4,174 |
| Average equity | $13,270,000 | 4,375 |
| Average total loans | $86,680,000 | 4,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 2,337 |
| Cost of funding earning assets | 1.9919% | 928 |
| Net interest margin | 3.5558% | 5,026 |
| Noninterest income to average assets | 0.6854% | 2,784 |
| Noninterest expense to average assets | 2.4109% | 6,041 |
| Loan and lease loss provision to assets | 0.8665% | 1,678 |
| Net operating income to assets | 0.6285% | 3,736 |
| Return on assets (ROA) | 0.6285% | 3,876 |
| Pretax return on assets | 0.7153% | 4,180 |
| Return on Equity (ROE) | 6.4207% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.4792% | 3,217 |
| Net charge-offs to loans | 1.1226% | 1,689 |
| Credit loss provision to net charge-offs | 119.3814% | 3,407 |
| Earnings coverage of net charge-offs (x) | 2.1794% | 3,927 |
| Efficiency ratio | 60.3823% | 5,983 |
| Assets per employee ($millions) | 3.6265% | 4,649 |
| Cash dividends to net income (ytd only)* | 30.2381% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,242 |
| Loan loss allowance to noncurrent loans | 58.2927% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.1167% | 3,356 |
| Noncurrent loans to loans | 2.8349% | 2,822 |
| Net loans and leases to total assets | 61.9284% | 4,699 |
| Net loans and leases to deposits | 69.6491% | 5,333 |
| Net loans and leases to core deposits | 75.3550% | 5,267 |
| Total domestic deposits to total assets | 88.9149% | 1,485 |
| Equity capital to assets | 9.6019% | 4,551 |
| Core capital (leverage) ratio | 9.4692% | 3,865 |
| Tier 1 risk-based capital ratio | 15.3203% | 2,996 |
| Total risk-based capital ratio | 16.5756% | 2,954 |
| Memoranda: | ||
| Average total assets | $133,641,670 | 4,266 |
| Average earning assets | $124,302,670 | 4,223 |
| Average equity | $13,082,670 | 4,418 |
| Average total loans | $86,409,000 | 4,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 2,264 |
| Cost of funding earning assets | 2.1008% | 809 |
| Net interest margin | 3.4740% | 5,270 |
| Noninterest income to average assets | 0.6476% | 2,948 |
| Noninterest expense to average assets | 2.5236% | 5,639 |
| Loan and lease loss provision to assets | 0.3192% | 3,504 |
| Net operating income to assets | 0.8342% | 2,821 |
| Return on assets (ROA) | 0.8392% | 2,896 |
| Pretax return on assets | 1.0338% | 2,959 |
| Return on Equity (ROE) | 8.4871% | 2,672 |
| Retained earnings to average equity (ytd only) | 4.5818% | 3,396 |
| Net charge-offs to loans | 0.3386% | 3,055 |
| Credit loss provision to net charge-offs | 143.8356% | 2,473 |
| Earnings coverage of net charge-offs (x) | 6.0685% | 2,283 |
| Efficiency ratio | 65.2003% | 5,274 |
| Assets per employee ($millions) | 3.4913% | 5,049 |
| Cash dividends to net income (ytd only)* | 46.0145% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,465 |
| Loan loss allowance to noncurrent loans | 51.3099% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.5296% | 2,871 |
| Noncurrent loans to loans | 3.1105% | 2,579 |
| Net loans and leases to total assets | 63.7165% | 4,392 |
| Net loans and leases to deposits | 72.0562% | 5,039 |
| Net loans and leases to core deposits | 78.0564% | 5,014 |
| Total domestic deposits to total assets | 88.4261% | 1,839 |
| Equity capital to assets | 9.8817% | 4,018 |
| Core capital (leverage) ratio | 9.6655% | 3,565 |
| Tier 1 risk-based capital ratio | 15.4019% | 2,916 |
| Total risk-based capital ratio | 16.6575% | 2,865 |
| Memoranda: | ||
| Average total assets | $131,559,500 | 4,369 |
| Average earning assets | $122,049,000 | 4,328 |
| Average equity | $13,008,000 | 4,471 |
| Average total loans | $86,226,000 | 4,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1774% | 1,298 |
| Cost of funding earning assets | 2.4340% | 1,199 |
| Net interest margin | 3.7434% | 3,938 |
| Noninterest income to average assets | 0.7345% | 2,764 |
| Noninterest expense to average assets | 2.7158% | 5,316 |
| Loan and lease loss provision to assets | 0.3489% | 4,712 |
| Net operating income to assets | 0.9056% | 2,161 |
| Return on assets (ROA) | 0.9069% | 2,214 |
| Pretax return on assets | 1.1144% | 2,204 |
| Return on Equity (ROE) | 9.0016% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.1769% | 906 |
| Net charge-offs to loans | 0.3845% | 4,285 |
| Credit loss provision to net charge-offs | 133.8558% | 3,725 |
| Earnings coverage of net charge-offs (x) | 5.6082% | 2,544 |
| Efficiency ratio | 65.0108% | 5,582 |
| Assets per employee ($millions) | 3.4329% | 5,173 |
| Cash dividends to net income (ytd only)* | 20.2703% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,491 |
| Loan loss allowance to noncurrent loans | 52.8622% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.4438% | 2,847 |
| Noncurrent loans to loans | 2.9267% | 2,637 |
| Net loans and leases to total assets | 65.3200% | 4,319 |
| Net loans and leases to deposits | 73.8407% | 5,066 |
| Net loans and leases to core deposits | 101.8442% | 3,817 |
| Total domestic deposits to total assets | 88.4607% | 1,746 |
| Equity capital to assets | 9.8934% | 3,901 |
| Core capital (leverage) ratio | 9.7092% | 3,440 |
| Tier 1 risk-based capital ratio | 14.9296% | 2,980 |
| Total risk-based capital ratio | 16.1840% | 2,926 |
| Memoranda: | ||
| Average total assets | $122,395,800 | 4,505 |
| Average earning assets | $112,572,200 | 4,494 |
| Average equity | $12,331,200 | 4,666 |
| Average total loans | $82,973,800 | 4,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3168% | 1,098 |
| Cost of funding earning assets | 2.4792% | 1,368 |
| Net interest margin | 3.8376% | 3,491 |
| Noninterest income to average assets | 0.7565% | 2,670 |
| Noninterest expense to average assets | 2.7401% | 5,146 |
| Loan and lease loss provision to assets | 0.3068% | 4,518 |
| Net operating income to assets | 0.9873% | 2,103 |
| Return on assets (ROA) | 0.9890% | 2,158 |
| Pretax return on assets | 1.2382% | 2,138 |
| Return on Equity (ROE) | 9.7694% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.3078% | 1,393 |
| Net charge-offs to loans | 0.3996% | 3,666 |
| Credit loss provision to net charge-offs | 112.6016% | 4,511 |
| Earnings coverage of net charge-offs (x) | 5.6626% | 2,758 |
| Efficiency ratio | 63.9772% | 5,757 |
| Assets per employee ($millions) | 3.1927% | 5,666 |
| Cash dividends to net income (ytd only)* | 25.1957% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 3,359 |
| Loan loss allowance to noncurrent loans | 48.6883% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.6409% | 2,633 |
| Noncurrent loans to loans | 3.1084% | 2,429 |
| Net loans and leases to total assets | 67.6915% | 4,023 |
| Net loans and leases to deposits | 77.4061% | 4,834 |
| Net loans and leases to core deposits | 101.5155% | 4,211 |
| Total domestic deposits to total assets | 87.4498% | 1,924 |
| Equity capital to assets | 10.5827% | 3,423 |
| Core capital (leverage) ratio | 9.8426% | 3,463 |
| Tier 1 risk-based capital ratio | 15.5579% | 2,789 |
| Total risk-based capital ratio | 16.8119% | 2,726 |
| Memoranda: | ||
| Average total assets | $120,382,250 | 4,585 |
| Average earning assets | $110,622,750 | 4,572 |
| Average equity | $12,187,500 | 4,747 |
| Average total loans | $82,080,000 | 4,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2658% | 1,296 |
| Cost of funding earning assets | 2.4870% | 1,659 |
| Net interest margin | 3.7788% | 3,639 |
| Noninterest income to average assets | 0.7446% | 2,730 |
| Noninterest expense to average assets | 2.7251% | 5,274 |
| Loan and lease loss provision to assets | 0.3098% | 4,091 |
| Net operating income to assets | 0.9401% | 2,309 |
| Return on assets (ROA) | 0.9428% | 2,399 |
| Pretax return on assets | 1.1677% | 2,403 |
| Return on Equity (ROE) | 9.4567% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.5687% | 1,369 |
| Net charge-offs to loans | 0.4409% | 3,048 |
| Credit loss provision to net charge-offs | 103.3333% | 4,440 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 2,959 |
| Efficiency ratio | 64.8949% | 5,741 |
| Assets per employee ($millions) | 3.1804% | 5,627 |
| Cash dividends to net income (ytd only)* | 19.9647% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 3,236 |
| Loan loss allowance to noncurrent loans | 148.4994% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 4,507 |
| Noncurrent loans to loans | 1.0054% | 5,194 |
| Net loans and leases to total assets | 65.8016% | 4,603 |
| Net loans and leases to deposits | 74.3351% | 5,410 |
| Net loans and leases to core deposits | 99.6374% | 4,543 |
| Total domestic deposits to total assets | 88.5202% | 1,519 |
| Equity capital to assets | 9.8456% | 4,156 |
| Core capital (leverage) ratio | 9.7477% | 3,574 |
| Tier 1 risk-based capital ratio | 15.2371% | 2,917 |
| Total risk-based capital ratio | 16.4910% | 2,843 |
| Memoranda: | ||
| Average total assets | $120,069,330 | 4,635 |
| Average earning assets | $109,770,000 | 4,632 |
| Average equity | $11,970,330 | 4,818 |
| Average total loans | $81,644,670 | 4,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3182% | 1,245 |
| Cost of funding earning assets | 2.4468% | 2,117 |
| Net interest margin | 3.8714% | 3,183 |
| Noninterest income to average assets | 0.6944% | 2,924 |
| Noninterest expense to average assets | 2.6557% | 5,199 |
| Loan and lease loss provision to assets | 0.3150% | 3,448 |
| Net operating income to assets | 1.0230% | 2,221 |
| Return on assets (ROA) | 1.0230% | 2,362 |
| Pretax return on assets | 1.2770% | 2,353 |
| Return on Equity (ROE) | 10.1945% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.3800% | 2,468 |
| Net charge-offs to loans | 0.5035% | 2,203 |
| Credit loss provision to net charge-offs | 91.1765% | 3,978 |
| Earnings coverage of net charge-offs (x) | 4.6078% | 2,847 |
| Efficiency ratio | 62.5199% | 5,964 |
| Assets per employee ($millions) | 3.0940% | 5,906 |
| Cash dividends to net income (ytd only)* | 37.4172% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,021 |
| Loan loss allowance to noncurrent loans | 232.3194% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 4,876 |
| Noncurrent loans to loans | 0.6437% | 5,803 |
| Net loans and leases to total assets | 66.7128% | 4,409 |
| Net loans and leases to deposits | 75.9339% | 5,234 |
| Net loans and leases to core deposits | 100.0348% | 4,536 |
| Total domestic deposits to total assets | 87.8565% | 1,818 |
| Equity capital to assets | 9.8894% | 4,130 |
| Core capital (leverage) ratio | 9.8182% | 3,616 |
| Tier 1 risk-based capital ratio | 15.0845% | 3,023 |
| Total risk-based capital ratio | 16.3382% | 2,965 |
| Memoranda: | ||
| Average total assets | $118,086,500 | 4,704 |
| Average earning assets | $108,385,500 | 4,680 |
| Average equity | $11,849,500 | 4,882 |
| Average total loans | $81,040,000 | 4,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7599% | 1,833 |
| Cost of funding earning assets | 2.8378% | 2,543 |
| Net interest margin | 3.9222% | 3,473 |
| Noninterest income to average assets | 0.8589% | 2,171 |
| Noninterest expense to average assets | 2.7898% | 4,864 |
| Loan and lease loss provision to assets | 0.2713% | 4,224 |
| Net operating income to assets | 1.1085% | 2,112 |
| Return on assets (ROA) | 1.1132% | 2,010 |
| Pretax return on assets | 1.4762% | 1,748 |
| Return on Equity (ROE) | 11.2395% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.2870% | 414 |
| Net charge-offs to loans | 0.3490% | 3,086 |
| Credit loss provision to net charge-offs | 117.0543% | 4,607 |
| Earnings coverage of net charge-offs (x) | 7.5116% | 3,095 |
| Efficiency ratio | 61.5705% | 6,037 |
| Assets per employee ($millions) | 2.8877% | 6,344 |
| Cash dividends to net income (ytd only)* | 8.4746% | 4,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 2,532 |
| Loan loss allowance to noncurrent loans | 129.9894% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 3,767 |
| Noncurrent loans to loans | 1.1785% | 4,162 |
| Net loans and leases to total assets | 68.5043% | 4,365 |
| Net loans and leases to deposits | 84.2038% | 4,396 |
| Net loans and leases to core deposits | 109.3396% | 3,822 |
| Total domestic deposits to total assets | 81.3554% | 4,482 |
| Equity capital to assets | 10.1863% | 3,820 |
| Core capital (leverage) ratio | 10.0505% | 3,400 |
| Tier 1 risk-based capital ratio | 15.3699% | 2,892 |
| Total risk-based capital ratio | 16.6243% | 2,823 |
| Memoranda: | ||
| Average total assets | $111,298,800 | 4,740 |
| Average earning assets | $104,202,000 | 4,674 |
| Average equity | $11,023,600 | 5,114 |
| Average total loans | $73,921,800 | 4,738 |