Home > Lincoln State Bank, S.B. > Performance and Condition Ratios
Lincoln State Bank, S.B., Performance and Condition Ratios
| 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 | 3.7683% | 4,930 |
| Cost of funding earning assets | 0.6342% | 2,804 |
| Net interest margin | 3.1341% | 5,142 |
| Noninterest income to average assets | 1.3451% | 847 |
| Noninterest expense to average assets | 4.1402% | 764 |
| Loan and lease loss provision to assets | 0.0805% | 3,304 |
| Net operating income to assets | -0.1289% | 6,467 |
| Return on assets (ROA) | -0.1289% | 6,517 |
| Pretax return on assets | -0.1289% | 6,507 |
| Return on Equity (ROE) | -1.5178% | 6,537 |
| Retained earnings to average equity (ytd only) | -1.5178% | 6,027 |
| Net charge-offs to loans | 0.3034% | 1,750 |
| Credit loss provision to net charge-offs | 45.4545% | 2,673 |
| Earnings coverage of net charge-offs (x) | -0.2727% | 3,888 |
| Efficiency ratio | 101.1811% | 503 |
| Assets per employee ($millions) | 2.9649% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 3,253 |
| Loan loss allowance to noncurrent loans | 18.3242% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 5.5552% | 615 |
| Noncurrent loans to loans | 8.9269% | 270 |
| Net loans and leases to total assets | 55.8340% | 4,111 |
| Net loans and leases to deposits | 61.0588% | 4,677 |
| Net loans and leases to core deposits | 62.7246% | 4,882 |
| Total domestic deposits to total assets | 91.4430% | 371 |
| Equity capital to assets | 8.3507% | 6,149 |
| Core capital (leverage) ratio | 8.1530% | 5,986 |
| Tier 1 risk-based capital ratio | 12.9989% | 5,218 |
| Total risk-based capital ratio | 14.2753% | 5,148 |
| Memoranda: | ||
| Average total assets | $49,660,000 | 6,192 |
| Average earning assets | $43,521,500 | 6,227 |
| Average equity | $4,216,500 | 6,464 |
| Average total loans | $29,003,000 | 5,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 3,069 |
| Cost of funding earning assets | 0.8481% | 2,303 |
| Net interest margin | 3.7342% | 3,506 |
| Noninterest income to average assets | 1.9461% | 454 |
| Noninterest expense to average assets | 4.1551% | 820 |
| Loan and lease loss provision to assets | 0.5840% | 951 |
| Net operating income to assets | 0.2753% | 5,554 |
| Return on assets (ROA) | 0.2753% | 5,768 |
| Pretax return on assets | 0.5319% | 5,190 |
| Return on Equity (ROE) | 3.1573% | 5,488 |
| Retained earnings to average equity (ytd only) | 3.1573% | 4,009 |
| Net charge-offs to loans | 0.8988% | 1,268 |
| Credit loss provision to net charge-offs | 102.1898% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1.9526% | 4,443 |
| Efficiency ratio | 78.8287% | 2,302 |
| Assets per employee ($millions) | 2.7176% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 3,158 |
| Loan loss allowance to noncurrent loans | 19.6166% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 5.6749% | 648 |
| Noncurrent loans to loans | 8.3413% | 337 |
| Net loans and leases to total assets | 59.1103% | 3,772 |
| Net loans and leases to deposits | 64.8871% | 4,444 |
| Net loans and leases to core deposits | 66.7167% | 4,668 |
| Total domestic deposits to total assets | 91.0972% | 465 |
| Equity capital to assets | 8.6350% | 5,926 |
| Core capital (leverage) ratio | 8.3878% | 5,772 |
| Tier 1 risk-based capital ratio | 12.6769% | 5,341 |
| Total risk-based capital ratio | 13.9302% | 5,283 |
| Memoranda: | ||
| Average total assets | $47,941,200 | 6,266 |
| Average earning assets | $42,686,000 | 6,285 |
| Average equity | $4,180,800 | 6,525 |
| Average total loans | $30,484,000 | 5,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 2,720 |
| Cost of funding earning assets | 0.8707% | 2,388 |
| Net interest margin | 3.8482% | 3,129 |
| Noninterest income to average assets | 1.9651% | 431 |
| Noninterest expense to average assets | 4.0924% | 836 |
| Loan and lease loss provision to assets | 0.7296% | 687 |
| Net operating income to assets | 0.3718% | 5,364 |
| Return on assets (ROA) | 0.3718% | 5,563 |
| Pretax return on assets | 0.5898% | 5,197 |
| Return on Equity (ROE) | 4.2525% | 5,172 |
| Retained earnings to average equity (ytd only) | 4.2525% | 3,904 |
| Net charge-offs to loans | 1.0794% | 961 |
| Credit loss provision to net charge-offs | 104.8193% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.8956% | 4,312 |
| Efficiency ratio | 75.6198% | 2,732 |
| Assets per employee ($millions) | 2.4991% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,662 |
| Loan loss allowance to noncurrent loans | 97.5952% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.6596% | 3,094 |
| Noncurrent loans to loans | 1.6062% | 3,381 |
| Net loans and leases to total assets | 64.4034% | 2,953 |
| Net loans and leases to deposits | 71.0205% | 3,747 |
| Net loans and leases to core deposits | 73.5680% | 4,036 |
| Total domestic deposits to total assets | 90.6828% | 526 |
| Equity capital to assets | 8.8876% | 5,934 |
| Core capital (leverage) ratio | 8.6029% | 5,616 |
| Tier 1 risk-based capital ratio | 12.5448% | 5,607 |
| Total risk-based capital ratio | 13.7990% | 5,568 |
| Memoranda: | ||
| Average total assets | $47,697,250 | 6,350 |
| Average earning assets | $42,720,750 | 6,353 |
| Average equity | $4,170,000 | 6,605 |
| Average total loans | $30,756,000 | 5,990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 3,284 |
| Cost of funding earning assets | 0.8827% | 2,540 |
| Net interest margin | 3.7353% | 3,659 |
| Noninterest income to average assets | 1.8213% | 464 |
| Noninterest expense to average assets | 4.0780% | 856 |
| Loan and lease loss provision to assets | 0.0837% | 4,547 |
| Net operating income to assets | 0.6155% | 4,309 |
| Return on assets (ROA) | 0.6155% | 4,555 |
| Pretax return on assets | 1.0258% | 3,611 |
| Return on Equity (ROE) | 7.0787% | 3,737 |
| Retained earnings to average equity (ytd only) | 7.0787% | 2,058 |
| Net charge-offs to loans | 0.1370% | 3,828 |
| Credit loss provision to net charge-offs | 95.2381% | 2,896 |
| Earnings coverage of net charge-offs (x) | 12.6190% | 1,859 |
| Efficiency ratio | 78.6118% | 2,384 |
| Assets per employee ($millions) | 2.6254% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,889 |
| Loan loss allowance to noncurrent loans | 42.7412% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.0472% | 1,802 |
| Noncurrent loans to loans | 3.5736% | 1,604 |
| Net loans and leases to total assets | 64.6656% | 2,893 |
| Net loans and leases to deposits | 71.3229% | 3,717 |
| Net loans and leases to core deposits | 73.8872% | 4,050 |
| Total domestic deposits to total assets | 90.6659% | 584 |
| Equity capital to assets | 8.9468% | 5,759 |
| Core capital (leverage) ratio | 8.3838% | 5,811 |
| Tier 1 risk-based capital ratio | 12.5165% | 5,554 |
| Total risk-based capital ratio | 13.7709% | 5,533 |
| Memoranda: | ||
| Average total assets | $47,769,000 | 6,389 |
| Average earning assets | $43,048,330 | 6,379 |
| Average equity | $4,153,330 | 6,642 |
| Average total loans | $30,652,330 | 6,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 3,769 |
| Cost of funding earning assets | 0.8816% | 2,824 |
| Net interest margin | 3.6551% | 4,031 |
| Noninterest income to average assets | 1.6575% | 537 |
| Noninterest expense to average assets | 4.0312% | 902 |
| Loan and lease loss provision to assets | 0.1583% | 3,401 |
| Net operating income to assets | 0.7080% | 3,846 |
| Return on assets (ROA) | 0.7080% | 4,066 |
| Pretax return on assets | 0.7829% | 4,481 |
| Return on Equity (ROE) | 8.2604% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.2604% | 1,877 |
| Net charge-offs to loans | 0.0394% | 4,145 |
| Credit loss provision to net charge-offs | 633.3333% | 540 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 783 |
| Efficiency ratio | 81.0720% | 2,068 |
| Assets per employee ($millions) | 2.7435% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,615 |
| Loan loss allowance to noncurrent loans | 61.0697% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 2,590 |
| Noncurrent loans to loans | 2.6663% | 2,442 |
| Net loans and leases to total assets | 60.0672% | 3,653 |
| Net loans and leases to deposits | 65.8680% | 4,399 |
| Net loans and leases to core deposits | 68.9020% | 4,574 |
| Total domestic deposits to total assets | 91.1933% | 478 |
| Equity capital to assets | 8.4260% | 6,148 |
| Core capital (leverage) ratio | 8.1848% | 6,048 |
| Tier 1 risk-based capital ratio | 12.3379% | 5,725 |
| Total risk-based capital ratio | 13.5910% | 5,687 |
| Memoranda: | ||
| Average total assets | $48,025,000 | 6,430 |
| Average earning assets | $43,555,000 | 6,409 |
| Average equity | $4,116,000 | 6,687 |
| Average total loans | $30,462,000 | 6,092 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 2,751 |
| Cost of funding earning assets | 1.0455% | 3,061 |
| Net interest margin | 3.9861% | 2,956 |
| Noninterest income to average assets | 1.5565% | 553 |
| Noninterest expense to average assets | 4.0921% | 914 |
| Loan and lease loss provision to assets | 0.2941% | 3,311 |
| Net operating income to assets | 0.6355% | 3,808 |
| Return on assets (ROA) | 0.6355% | 4,004 |
| Pretax return on assets | 0.7965% | 3,991 |
| Return on Equity (ROE) | 7.1089% | 3,349 |
| Retained earnings to average equity (ytd only) | 1.1048% | 5,339 |
| Net charge-offs to loans | 0.3153% | 3,819 |
| Credit loss provision to net charge-offs | 134.3137% | 2,247 |
| Earnings coverage of net charge-offs (x) | 4.9804% | 2,928 |
| Efficiency ratio | 78.9561% | 2,460 |
| Assets per employee ($millions) | 2.5926% | 6,726 |
| Cash dividends to net income (ytd only)* | 84.4595% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,815 |
| Loan loss allowance to noncurrent loans | 46.4775% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.0171% | 1,992 |
| Noncurrent loans to loans | 3.3214% | 1,953 |
| Net loans and leases to total assets | 64.9174% | 3,005 |
| Net loans and leases to deposits | 71.5467% | 3,868 |
| Net loans and leases to core deposits | 75.0545% | 4,093 |
| Total domestic deposits to total assets | 90.7344% | 611 |
| Equity capital to assets | 8.7235% | 5,874 |
| Core capital (leverage) ratio | 8.0398% | 6,214 |
| Tier 1 risk-based capital ratio | 11.5412% | 6,139 |
| Total risk-based capital ratio | 12.7936% | 6,121 |
| Memoranda: | ||
| Average total assets | $46,577,800 | 6,465 |
| Average earning assets | $42,372,600 | 6,449 |
| Average equity | $4,163,800 | 6,711 |
| Average total loans | $32,353,000 | 6,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 2,743 |
| Cost of funding earning assets | 1.0680% | 3,186 |
| Net interest margin | 4.0051% | 2,896 |
| Noninterest income to average assets | 1.4606% | 610 |
| Noninterest expense to average assets | 4.0295% | 973 |
| Loan and lease loss provision to assets | 0.2578% | 3,443 |
| Net operating income to assets | 0.9938% | 2,350 |
| Return on assets (ROA) | 0.9938% | 2,495 |
| Pretax return on assets | 0.8248% | 4,036 |
| Return on Equity (ROE) | 11.0499% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.0499% | 624 |
| Net charge-offs to loans | 0.0041% | 6,139 |
| Credit loss provision to net charge-offs | 9,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 378.9398% | 96 |
| Efficiency ratio | 78.8235% | 2,426 |
| Assets per employee ($millions) | 2.4253% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,843 |
| Loan loss allowance to noncurrent loans | 57.5000% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.5022% | 2,584 |
| Noncurrent loans to loans | 2.7147% | 2,579 |
| Net loans and leases to total assets | 72.3980% | 1,627 |
| Net loans and leases to deposits | 80.3763% | 2,603 |
| Net loans and leases to core deposits | 86.1574% | 2,754 |
| Total domestic deposits to total assets | 90.0738% | 825 |
| Equity capital to assets | 9.4748% | 5,124 |
| Core capital (leverage) ratio | 9.0767% | 4,814 |
| Tier 1 risk-based capital ratio | 11.8759% | 5,979 |
| Total risk-based capital ratio | 13.1277% | 5,960 |
| Memoranda: | ||
| Average total assets | $46,555,500 | 6,524 |
| Average earning assets | $42,445,250 | 6,500 |
| Average equity | $4,187,000 | 6,752 |
| Average total loans | $32,748,750 | 6,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 2,845 |
| Cost of funding earning assets | 1.0996% | 3,242 |
| Net interest margin | 3.9681% | 2,999 |
| Noninterest income to average assets | 1.3658% | 681 |
| Noninterest expense to average assets | 4.0545% | 968 |
| Loan and lease loss provision to assets | 0.2312% | 3,598 |
| Net operating income to assets | 0.9633% | 2,376 |
| Return on assets (ROA) | 0.9633% | 2,480 |
| Pretax return on assets | 0.7107% | 4,346 |
| Return on Equity (ROE) | 10.9029% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.9029% | 684 |
| Net charge-offs to loans | -0.0062% | 6,615 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1482% | 2,221 |
| Assets per employee ($millions) | 2.4824% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 4,003 |
| Loan loss allowance to noncurrent loans | 74.8865% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0231% | 3,204 |
| Noncurrent loans to loans | 2.0379% | 3,431 |
| Net loans and leases to total assets | 71.4820% | 1,887 |
| Net loans and leases to deposits | 79.3112% | 2,922 |
| Net loans and leases to core deposits | 84.0730% | 3,201 |
| Total domestic deposits to total assets | 90.1285% | 910 |
| Equity capital to assets | 9.4821% | 4,836 |
| Core capital (leverage) ratio | 8.4902% | 5,570 |
| Tier 1 risk-based capital ratio | 11.8064% | 5,933 |
| Total risk-based capital ratio | 13.0581% | 5,919 |
| Memoranda: | ||
| Average total assets | $46,714,000 | 6,572 |
| Average earning assets | $42,741,000 | 6,553 |
| Average equity | $4,127,330 | 6,810 |
| Average total loans | $32,368,330 | 6,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 3,674 |
| Cost of funding earning assets | 1.0994% | 3,525 |
| Net interest margin | 3.7836% | 3,685 |
| Noninterest income to average assets | 1.4331% | 621 |
| Noninterest expense to average assets | 3.9724% | 1,072 |
| Loan and lease loss provision to assets | 0.0503% | 5,371 |
| Net operating income to assets | 1.1314% | 1,732 |
| Return on assets (ROA) | 1.1314% | 1,777 |
| Pretax return on assets | 0.8716% | 3,615 |
| Return on Equity (ROE) | 13.2597% | 1,132 |
| Retained earnings to average equity (ytd only) | 13.2597% | 548 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1644% | 2,344 |
| Assets per employee ($millions) | 2.8644% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,629 |
| Loan loss allowance to noncurrent loans | 115.2062% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 3,971 |
| Noncurrent loans to loans | 1.2216% | 4,641 |
| Net loans and leases to total assets | 64.3077% | 3,387 |
| Net loans and leases to deposits | 70.5731% | 4,261 |
| Net loans and leases to core deposits | 75.7658% | 4,329 |
| Total domestic deposits to total assets | 91.1221% | 563 |
| Equity capital to assets | 8.5062% | 5,895 |
| Core capital (leverage) ratio | 8.1939% | 5,976 |
| Tier 1 risk-based capital ratio | 11.4615% | 6,133 |
| Total risk-based capital ratio | 12.7117% | 6,118 |
| Memoranda: | ||
| Average total assets | $47,729,000 | 6,593 |
| Average earning assets | $43,662,000 | 6,572 |
| Average equity | $4,072,500 | 6,858 |
| Average total loans | $32,334,500 | 6,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 1,656 |
| Cost of funding earning assets | 1.3323% | 3,674 |
| Net interest margin | 4.3438% | 1,671 |
| Noninterest income to average assets | 1.6221% | 558 |
| Noninterest expense to average assets | 4.2839% | 828 |
| Loan and lease loss provision to assets | 0.3253% | 4,210 |
| Net operating income to assets | 1.2672% | 1,256 |
| Return on assets (ROA) | 1.2672% | 1,316 |
| Pretax return on assets | 0.9737% | 3,014 |
| Return on Equity (ROE) | 15.4208% | 659 |
| Retained earnings to average equity (ytd only) | 15.4208% | 110 |
| Net charge-offs to loans | 0.1399% | 5,523 |
| Credit loss provision to net charge-offs | 310.8696% | 852 |
| Earnings coverage of net charge-offs (x) | 12.4130% | 1,507 |
| Efficiency ratio | 76.7319% | 2,921 |
| Assets per employee ($millions) | 2.5980% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,814 |
| Loan loss allowance to noncurrent loans | 134.5566% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 4,353 |
| Noncurrent loans to loans | 0.9937% | 5,073 |
| Net loans and leases to total assets | 69.4295% | 2,679 |
| Net loans and leases to deposits | 76.3037% | 3,791 |
| Net loans and leases to core deposits | 82.1642% | 3,889 |
| Total domestic deposits to total assets | 90.9909% | 602 |
| Equity capital to assets | 8.5600% | 5,778 |
| Core capital (leverage) ratio | 8.2358% | 5,777 |
| Tier 1 risk-based capital ratio | 11.6957% | 5,730 |
| Total risk-based capital ratio | 12.9460% | 5,736 |
| Memoranda: | ||
| Average total assets | $43,955,200 | 6,736 |
| Average earning assets | $40,080,200 | 6,714 |
| Average equity | $3,612,000 | 7,108 |
| Average total loans | $32,873,400 | 6,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 1,497 |
| Cost of funding earning assets | 1.3747% | 3,749 |
| Net interest margin | 4.3915% | 1,551 |
| Noninterest income to average assets | 1.5043% | 603 |
| Noninterest expense to average assets | 4.3926% | 666 |
| Loan and lease loss provision to assets | 0.3021% | 4,156 |
| Net operating income to assets | 1.0512% | 2,067 |
| Return on assets (ROA) | 1.0512% | 2,173 |
| Pretax return on assets | 0.8076% | 3,875 |
| Return on Equity (ROE) | 12.9376% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.9376% | 352 |
| Net charge-offs to loans | 0.1866% | 4,831 |
| Credit loss provision to net charge-offs | 213.0435% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.8263% | 2,258 |
| Efficiency ratio | 79.8319% | 2,358 |
| Assets per employee ($millions) | 2.4133% | 7,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,687 |
| Loan loss allowance to noncurrent loans | 313.4921% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 4,766 |
| Noncurrent loans to loans | 0.3686% | 6,457 |
| Net loans and leases to total assets | 77.7918% | 1,072 |
| Net loans and leases to deposits | 85.6621% | 2,413 |
| Net loans and leases to core deposits | 89.8031% | 3,126 |
| Total domestic deposits to total assets | 90.8124% | 512 |
| Equity capital to assets | 8.7042% | 6,001 |
| Core capital (leverage) ratio | 8.1834% | 6,069 |
| Tier 1 risk-based capital ratio | 10.8832% | 6,481 |
| Total risk-based capital ratio | 12.0766% | 6,502 |
| Memoranda: | ||
| Average total assets | $43,253,000 | 6,845 |
| Average earning assets | $39,378,250 | 6,821 |
| Average equity | $3,514,250 | 7,220 |
| Average total loans | $32,864,750 | 6,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 1,606 |
| Cost of funding earning assets | 1.4040% | 3,852 |
| Net interest margin | 4.3342% | 1,654 |
| Noninterest income to average assets | 1.4216% | 628 |
| Noninterest expense to average assets | 4.3944% | 650 |
| Loan and lease loss provision to assets | 0.2547% | 4,384 |
| Net operating income to assets | 0.9354% | 2,416 |
| Return on assets (ROA) | 0.9354% | 2,505 |
| Pretax return on assets | 0.7177% | 4,171 |
| Return on Equity (ROE) | 11.7945% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.7945% | 515 |
| Net charge-offs to loans | 0.0308% | 5,909 |
| Credit loss provision to net charge-offs | 1,100.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 695 |
| Efficiency ratio | 81.8809% | 2,185 |
| Assets per employee ($millions) | 2.4781% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,659 |
| Loan loss allowance to noncurrent loans | 86.3736% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 3,840 |
| Noncurrent loans to loans | 1.3391% | 4,708 |
| Net loans and leases to total assets | 79.7208% | 845 |
| Net loans and leases to deposits | 87.4834% | 2,265 |
| Net loans and leases to core deposits | 90.9125% | 3,141 |
| Total domestic deposits to total assets | 91.1268% | 439 |
| Equity capital to assets | 8.3960% | 6,308 |
| Core capital (leverage) ratio | 7.7874% | 6,516 |
| Tier 1 risk-based capital ratio | 10.0237% | 7,009 |
| Total risk-based capital ratio | 11.1857% | 7,036 |
| Memoranda: | ||
| Average total assets | $43,191,000 | 6,890 |
| Average earning assets | $39,315,000 | 6,873 |
| Average equity | $3,425,330 | 7,289 |
| Average total loans | $32,424,000 | 6,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 2,659 |
| Cost of funding earning assets | 1.4439% | 3,914 |
| Net interest margin | 4.0409% | 2,692 |
| Noninterest income to average assets | 1.4272% | 592 |
| Noninterest expense to average assets | 4.3730% | 659 |
| Loan and lease loss provision to assets | 0.1464% | 5,084 |
| Net operating income to assets | 0.7685% | 3,118 |
| Return on assets (ROA) | 0.7685% | 3,233 |
| Pretax return on assets | 0.5947% | 4,624 |
| Return on Equity (ROE) | 9.9718% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.9718% | 1,147 |
| Net charge-offs to loans | 0.1896% | 3,786 |
| Credit loss provision to net charge-offs | 106.6667% | 3,222 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,408 |
| Efficiency ratio | 85.5098% | 1,851 |
| Assets per employee ($millions) | 2.6101% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 6,011 |
| Loan loss allowance to noncurrent loans | 362.1053% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 5,369 |
| Noncurrent loans to loans | 0.3032% | 6,719 |
| Net loans and leases to total assets | 69.8362% | 2,976 |
| Net loans and leases to deposits | 76.0791% | 4,398 |
| Net loans and leases to core deposits | 79.9417% | 4,768 |
| Total domestic deposits to total assets | 91.7942% | 289 |
| Equity capital to assets | 7.6942% | 6,932 |
| Core capital (leverage) ratio | 7.7805% | 6,530 |
| Tier 1 risk-based capital ratio | 10.7429% | 6,394 |
| Total risk-based capital ratio | 11.8254% | 6,555 |
| Memoranda: | ||
| Average total assets | $43,723,000 | 6,965 |
| Average earning assets | $39,892,000 | 6,934 |
| Average equity | $3,369,500 | 7,381 |
| Average total loans | $31,647,500 | 6,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 2,781 |
| Cost of funding earning assets | 1.6620% | 4,717 |
| Net interest margin | 4.1092% | 2,412 |
| Noninterest income to average assets | 1.9205% | 399 |
| Noninterest expense to average assets | 4.7574% | 630 |
| Loan and lease loss provision to assets | 0.7150% | 2,972 |
| Net operating income to assets | 0.1897% | 4,931 |
| Return on assets (ROA) | 0.1897% | 5,004 |
| Pretax return on assets | 0.1897% | 5,029 |
| Return on Equity (ROE) | 2.5434% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.5434% | 3,369 |
| Net charge-offs to loans | 0.9361% | 2,522 |
| Credit loss provision to net charge-offs | 102.3179% | 5,405 |
| Earnings coverage of net charge-offs (x) | 1.2947% | 4,829 |
| Efficiency ratio | 84.0213% | 2,346 |
| Assets per employee ($millions) | 2.2671% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 6,023 |
| Loan loss allowance to noncurrent loans | 149.7817% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 4,628 |
| Noncurrent loans to loans | 0.7164% | 5,816 |
| Net loans and leases to total assets | 73.4092% | 2,403 |
| Net loans and leases to deposits | 80.0228% | 3,982 |
| Net loans and leases to core deposits | 97.1638% | 4,330 |
| Total domestic deposits to total assets | 91.7353% | 319 |
| Equity capital to assets | 7.7191% | 6,838 |
| Core capital (leverage) ratio | 7.9597% | 6,248 |
| Tier 1 risk-based capital ratio | 10.3393% | 6,549 |
| Total risk-based capital ratio | 11.4058% | 6,702 |
| Memoranda: | ||
| Average total assets | $43,217,200 | 6,983 |
| Average earning assets | $39,350,600 | 6,964 |
| Average equity | $3,224,000 | 7,525 |
| Average total loans | $32,262,800 | 6,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 2,876 |
| Cost of funding earning assets | 1.7278% | 4,753 |
| Net interest margin | 4.0757% | 2,492 |
| Noninterest income to average assets | 1.9266% | 402 |
| Noninterest expense to average assets | 4.8273% | 553 |
| Loan and lease loss provision to assets | 0.8045% | 2,355 |
| Net operating income to assets | 0.0031% | 5,702 |
| Return on assets (ROA) | 0.0031% | 5,763 |
| Pretax return on assets | 0.0031% | 5,701 |
| Return on Equity (ROE) | 0.0416% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.0416% | 5,189 |
| Net charge-offs to loans | 1.1256% | 1,784 |
| Credit loss provision to net charge-offs | 95.6044% | 5,321 |
| Earnings coverage of net charge-offs (x) | 0.9597% | 5,101 |
| Efficiency ratio | 85.6674% | 2,096 |
| Assets per employee ($millions) | 2.1170% | 7,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,101 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 3,488 |
| Noncurrent loans to loans | 0.8594% | 5,578 |
| Net loans and leases to total assets | 77.3040% | 1,720 |
| Net loans and leases to deposits | 84.6187% | 3,550 |
| Net loans and leases to core deposits | 101.0005% | 4,265 |
| Total domestic deposits to total assets | 91.3557% | 290 |
| Equity capital to assets | 8.0526% | 6,799 |
| Core capital (leverage) ratio | 7.4932% | 6,984 |
| Tier 1 risk-based capital ratio | 10.1871% | 6,792 |
| Total risk-based capital ratio | 11.2062% | 6,976 |
| Memoranda: | ||
| Average total assets | $43,252,750 | 7,030 |
| Average earning assets | $39,354,250 | 7,023 |
| Average equity | $3,198,750 | 7,601 |
| Average total loans | $32,337,500 | 6,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 3,631 |
| Cost of funding earning assets | 1.7798% | 4,862 |
| Net interest margin | 3.9057% | 3,089 |
| Noninterest income to average assets | 1.8255% | 438 |
| Noninterest expense to average assets | 4.9342% | 536 |
| Loan and lease loss provision to assets | 1.0664% | 1,601 |
| Net operating income to assets | -0.6055% | 6,665 |
| Return on assets (ROA) | -0.6055% | 6,669 |
| Pretax return on assets | -0.6055% | 6,528 |
| Return on Equity (ROE) | -8.4136% | 6,924 |
| Retained earnings to average equity (ytd only) | -8.4136% | 6,712 |
| Net charge-offs to loans | 1.5255% | 1,243 |
| Credit loss provision to net charge-offs | 94.7791% | 4,780 |
| Earnings coverage of net charge-offs (x) | 0.4096% | 5,279 |
| Efficiency ratio | 91.4573% | 1,683 |
| Assets per employee ($millions) | 2.2131% | 7,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 6,083 |
| Loan loss allowance to noncurrent loans | 123.2824% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7148% | 3,613 |
| Noncurrent loans to loans | 0.8267% | 5,574 |
| Net loans and leases to total assets | 70.8773% | 3,496 |
| Net loans and leases to deposits | 76.6661% | 5,070 |
| Net loans and leases to core deposits | 89.2286% | 5,606 |
| Total domestic deposits to total assets | 92.4493% | 150 |
| Equity capital to assets | 7.0016% | 7,620 |
| Core capital (leverage) ratio | 7.0857% | 7,469 |
| Tier 1 risk-based capital ratio | 9.5275% | 7,367 |
| Total risk-based capital ratio | 10.5205% | 7,549 |
| Memoranda: | ||
| Average total assets | $44,262,670 | 7,048 |
| Average earning assets | $40,453,330 | 7,036 |
| Average equity | $3,185,330 | 7,670 |
| Average total loans | $32,644,000 | 6,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 3,836 |
| Cost of funding earning assets | 1.9013% | 4,623 |
| Net interest margin | 3.7927% | 3,473 |
| Noninterest income to average assets | 1.3013% | 844 |
| Noninterest expense to average assets | 4.5274% | 692 |
| Loan and lease loss provision to assets | 0.1988% | 4,452 |
| Net operating income to assets | 0.0542% | 6,112 |
| Return on assets (ROA) | 0.0542% | 6,266 |
| Pretax return on assets | 0.0542% | 6,271 |
| Return on Equity (ROE) | 0.7434% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.7434% | 5,367 |
| Net charge-offs to loans | 0.0242% | 5,210 |
| Credit loss provision to net charge-offs | 1,100.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,699 |
| Efficiency ratio | 94.7070% | 1,395 |
| Assets per employee ($millions) | 2.2423% | 7,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,590 |
| Loan loss allowance to noncurrent loans | 67.4242% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 4,314 |
| Noncurrent loans to loans | 1.6067% | 3,867 |
| Net loans and leases to total assets | 72.4836% | 3,127 |
| Net loans and leases to deposits | 78.5966% | 4,832 |
| Net loans and leases to core deposits | 93.8883% | 5,163 |
| Total domestic deposits to total assets | 92.2223% | 153 |
| Equity capital to assets | 7.2113% | 7,556 |
| Core capital (leverage) ratio | 7.2643% | 7,411 |
| Tier 1 risk-based capital ratio | 9.7991% | 7,142 |
| Total risk-based capital ratio | 10.8778% | 7,248 |
| Memoranda: | ||
| Average total assets | $44,263,500 | 7,095 |
| Average earning assets | $40,604,000 | 7,074 |
| Average equity | $3,228,500 | 7,708 |
| Average total loans | $33,119,000 | 6,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3223% | 3,844 |
| Cost of funding earning assets | 2.4992% | 4,211 |
| Net interest margin | 3.8231% | 3,923 |
| Noninterest income to average assets | 1.4487% | 677 |
| Noninterest expense to average assets | 4.6904% | 771 |
| Loan and lease loss provision to assets | 0.1302% | 5,702 |
| Net operating income to assets | 0.2674% | 5,655 |
| Return on assets (ROA) | 0.2674% | 5,474 |
| Pretax return on assets | 0.1000% | 5,943 |
| Return on Equity (ROE) | 3.4518% | 5,062 |
| Retained earnings to average equity (ytd only) | -6.6034% | 6,739 |
| Net charge-offs to loans | 0.0329% | 6,363 |
| Credit loss provision to net charge-offs | 509.0909% | 857 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,774 |
| Efficiency ratio | 95.3214% | 1,198 |
| Assets per employee ($millions) | 2.2990% | 7,568 |
| Cash dividends to net income (ytd only)* | 291.3043% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 5,975 |
| Loan loss allowance to noncurrent loans | 54.1063% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.0283% | 2,429 |
| Noncurrent loans to loans | 1.8606% | 2,971 |
| Net loans and leases to total assets | 75.6393% | 2,724 |
| Net loans and leases to deposits | 82.1604% | 4,702 |
| Net loans and leases to core deposits | 99.3893% | 4,884 |
| Total domestic deposits to total assets | 92.0629% | 124 |
| Equity capital to assets | 7.3785% | 7,483 |
| Core capital (leverage) ratio | 7.5327% | 7,164 |
| Tier 1 risk-based capital ratio | 9.5361% | 7,269 |
| Total risk-based capital ratio | 10.5302% | 7,467 |
| Memoranda: | ||
| Average total assets | $43,002,800 | 7,077 |
| Average earning assets | $39,052,200 | 7,081 |
| Average equity | $3,331,600 | 7,739 |
| Average total loans | $33,388,000 | 6,517 |