Home > Lindale State Bank > Performance and Condition Ratios
Lindale 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 | 3.6562% | 5,287 |
| Cost of funding earning assets | 0.3053% | 5,687 |
| Net interest margin | 3.3509% | 4,461 |
| Noninterest income to average assets | 0.7346% | 2,439 |
| Noninterest expense to average assets | 2.6539% | 4,185 |
| Loan and lease loss provision to assets | 0.0117% | 4,766 |
| Net operating income to assets | 0.8804% | 2,932 |
| Return on assets (ROA) | 0.8804% | 3,046 |
| Pretax return on assets | 1.1532% | 2,881 |
| Return on Equity (ROE) | 8.2213% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.4991% | 2,726 |
| Net charge-offs to loans | 0.5394% | 1,181 |
| Credit loss provision to net charge-offs | 3.3898% | 4,299 |
| Earnings coverage of net charge-offs (x) | 3.3865% | 3,717 |
| Efficiency ratio | 69.4962% | 3,838 |
| Assets per employee ($millions) | 3.9880% | 3,852 |
| Cash dividends to net income (ytd only)* | 33.1131% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 2,816 |
| Loan loss allowance to noncurrent loans | 181.9767% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 4,424 |
| Noncurrent loans to loans | 0.9042% | 4,013 |
| Net loans and leases to total assets | 64.7119% | 2,869 |
| Net loans and leases to deposits | 72.6898% | 3,434 |
| Net loans and leases to core deposits | 79.2746% | 3,202 |
| Total domestic deposits to total assets | 89.0247% | 1,537 |
| Equity capital to assets | 10.7185% | 3,047 |
| Core capital (leverage) ratio | 10.7216% | 2,765 |
| Tier 1 risk-based capital ratio | 16.8817% | 2,760 |
| Total risk-based capital ratio | 18.1509% | 2,711 |
| Memoranda: | ||
| Average total assets | $114,343,500 | 4,441 |
| Average earning assets | $105,243,500 | 4,422 |
| Average equity | $12,244,250 | 4,451 |
| Average total loans | $72,924,250 | 4,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 5,285 |
| Cost of funding earning assets | 0.3164% | 5,703 |
| Net interest margin | 3.3352% | 4,434 |
| Noninterest income to average assets | 0.7076% | 2,600 |
| Noninterest expense to average assets | 2.7215% | 3,955 |
| Loan and lease loss provision to assets | 0.0035% | 4,743 |
| Net operating income to assets | 0.7989% | 3,305 |
| Return on assets (ROA) | 0.7989% | 3,454 |
| Pretax return on assets | 1.0552% | 3,276 |
| Return on Equity (ROE) | 7.4629% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,799 |
| Net charge-offs to loans | 0.5399% | 1,225 |
| Credit loss provision to net charge-offs | 1.0309% | 3,993 |
| Earnings coverage of net charge-offs (x) | 3.1082% | 3,495 |
| Efficiency ratio | 71.9926% | 3,468 |
| Assets per employee ($millions) | 3.7029% | 4,394 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,383 |
| Loan loss allowance to noncurrent loans | 158.2353% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 4,177 |
| Noncurrent loans to loans | 1.1484% | 3,631 |
| Net loans and leases to total assets | 63.3095% | 3,043 |
| Net loans and leases to deposits | 71.0697% | 3,573 |
| Net loans and leases to core deposits | 78.6402% | 3,209 |
| Total domestic deposits to total assets | 89.0809% | 1,584 |
| Equity capital to assets | 10.6839% | 3,079 |
| Core capital (leverage) ratio | 10.5381% | 2,835 |
| Tier 1 risk-based capital ratio | 16.7644% | 2,807 |
| Total risk-based capital ratio | 18.0348% | 2,772 |
| Memoranda: | ||
| Average total assets | $113,907,670 | 4,490 |
| Average earning assets | $104,940,000 | 4,458 |
| Average equity | $12,193,670 | 4,487 |
| Average total loans | $71,868,330 | 4,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 5,213 |
| Cost of funding earning assets | 0.3303% | 5,721 |
| Net interest margin | 3.3564% | 4,287 |
| Noninterest income to average assets | 0.6769% | 2,713 |
| Noninterest expense to average assets | 2.8273% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7156% | 3,618 |
| Return on assets (ROA) | 0.7156% | 3,755 |
| Pretax return on assets | 0.9307% | 3,649 |
| Return on Equity (ROE) | 6.6785% | 3,674 |
| Retained earnings to average equity (ytd only) | 2.5661% | 4,739 |
| Net charge-offs to loans | -0.0509% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2345% | 3,052 |
| Assets per employee ($millions) | 3.3673% | 5,287 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 1,673 |
| Loan loss allowance to noncurrent loans | 505.2288% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 5,553 |
| Noncurrent loans to loans | 0.4269% | 5,351 |
| Net loans and leases to total assets | 61.2649% | 3,215 |
| Net loans and leases to deposits | 68.6950% | 3,679 |
| Net loans and leases to core deposits | 75.7544% | 3,355 |
| Total domestic deposits to total assets | 89.1840% | 1,572 |
| Equity capital to assets | 10.6360% | 3,394 |
| Core capital (leverage) ratio | 10.4819% | 2,804 |
| Tier 1 risk-based capital ratio | 16.8845% | 2,808 |
| Total risk-based capital ratio | 18.1597% | 2,772 |
| Memoranda: | ||
| Average total assets | $113,466,500 | 4,538 |
| Average earning assets | $104,159,000 | 4,511 |
| Average equity | $12,158,500 | 4,548 |
| Average total loans | $70,793,500 | 4,319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 5,443 |
| Cost of funding earning assets | 0.4445% | 5,630 |
| Net interest margin | 3.5050% | 4,484 |
| Noninterest income to average assets | 0.9109% | 1,829 |
| Noninterest expense to average assets | 3.0670% | 3,019 |
| Loan and lease loss provision to assets | 0.0360% | 5,438 |
| Net operating income to assets | 0.7557% | 3,486 |
| Return on assets (ROA) | 0.7557% | 3,729 |
| Pretax return on assets | 0.9691% | 3,656 |
| Return on Equity (ROE) | 6.9211% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.6519% | 2,284 |
| Net charge-offs to loans | -0.1837% | 6,927 |
| Credit loss provision to net charge-offs | -31.9672% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3176% | 2,860 |
| Assets per employee ($millions) | 3.5139% | 4,980 |
| Cash dividends to net income (ytd only)* | 18.3374% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 1,553 |
| Loan loss allowance to noncurrent loans | 430.5322% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 5,194 |
| Noncurrent loans to loans | 0.5107% | 5,255 |
| Net loans and leases to total assets | 60.7968% | 3,458 |
| Net loans and leases to deposits | 68.2327% | 3,948 |
| Net loans and leases to core deposits | 73.8620% | 3,798 |
| Total domestic deposits to total assets | 89.1022% | 1,495 |
| Equity capital to assets | 10.7964% | 3,178 |
| Core capital (leverage) ratio | 10.7897% | 2,453 |
| Tier 1 risk-based capital ratio | 17.0299% | 2,636 |
| Total risk-based capital ratio | 18.3059% | 2,592 |
| Memoranda: | ||
| Average total assets | $108,248,600 | 4,631 |
| Average earning assets | $97,632,200 | 4,652 |
| Average equity | $11,819,000 | 4,607 |
| Average total loans | $66,404,400 | 4,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 5,585 |
| Cost of funding earning assets | 0.4625% | 5,701 |
| Net interest margin | 3.5119% | 4,600 |
| Noninterest income to average assets | 0.9527% | 1,665 |
| Noninterest expense to average assets | 3.0758% | 2,961 |
| Loan and lease loss provision to assets | 0.0398% | 5,277 |
| Net operating income to assets | 0.7724% | 3,589 |
| Return on assets (ROA) | 0.7724% | 3,844 |
| Pretax return on assets | 0.9913% | 3,749 |
| Return on Equity (ROE) | 7.0534% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.3496% | 3,129 |
| Net charge-offs to loans | -0.1852% | 6,974 |
| Credit loss provision to net charge-offs | -35.1648% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8940% | 2,840 |
| Assets per employee ($millions) | 3.5575% | 4,832 |
| Cash dividends to net income (ytd only)* | 24.1552% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 1,553 |
| Loan loss allowance to noncurrent loans | 137.6838% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 3,746 |
| Noncurrent loans to loans | 1.6586% | 3,303 |
| Net loans and leases to total assets | 60.0624% | 3,773 |
| Net loans and leases to deposits | 67.8842% | 4,201 |
| Net loans and leases to core deposits | 73.0987% | 4,102 |
| Total domestic deposits to total assets | 88.4778% | 1,737 |
| Equity capital to assets | 11.2318% | 2,999 |
| Core capital (leverage) ratio | 10.8022% | 2,598 |
| Tier 1 risk-based capital ratio | 16.0435% | 3,239 |
| Total risk-based capital ratio | 17.3177% | 3,200 |
| Memoranda: | ||
| Average total assets | $107,199,500 | 4,703 |
| Average earning assets | $96,280,500 | 4,733 |
| Average equity | $11,738,750 | 4,669 |
| Average total loans | $65,530,500 | 4,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 5,656 |
| Cost of funding earning assets | 0.4808% | 5,751 |
| Net interest margin | 3.5132% | 4,612 |
| Noninterest income to average assets | 1.0134% | 1,430 |
| Noninterest expense to average assets | 3.0515% | 3,075 |
| Loan and lease loss provision to assets | 0.0410% | 5,159 |
| Net operating income to assets | 0.8216% | 3,295 |
| Return on assets (ROA) | 0.8216% | 3,551 |
| Pretax return on assets | 1.0656% | 3,443 |
| Return on Equity (ROE) | 7.5669% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.1380% | 2,029 |
| Net charge-offs to loans | -0.1038% | 6,870 |
| Credit loss provision to net charge-offs | -64.7059% | 6,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3871% | 3,175 |
| Assets per employee ($millions) | 3.7386% | 4,444 |
| Cash dividends to net income (ytd only)* | 5.6689% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,849 |
| Loan loss allowance to noncurrent loans | 228.3892% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 4,939 |
| Noncurrent loans to loans | 0.9490% | 4,610 |
| Net loans and leases to total assets | 59.6209% | 3,893 |
| Net loans and leases to deposits | 67.0995% | 4,348 |
| Net loans and leases to core deposits | 73.3448% | 4,120 |
| Total domestic deposits to total assets | 88.8545% | 1,601 |
| Equity capital to assets | 10.9528% | 3,165 |
| Core capital (leverage) ratio | 10.6938% | 2,605 |
| Tier 1 risk-based capital ratio | 15.9811% | 3,178 |
| Total risk-based capital ratio | 17.2536% | 3,137 |
| Memoranda: | ||
| Average total assets | $107,358,000 | 4,734 |
| Average earning assets | $96,094,670 | 4,763 |
| Average equity | $11,656,000 | 4,684 |
| Average total loans | $65,507,670 | 4,583 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 5,529 |
| Cost of funding earning assets | 0.5024% | 5,800 |
| Net interest margin | 3.5762% | 4,369 |
| Noninterest income to average assets | 0.8575% | 1,918 |
| Noninterest expense to average assets | 3.0779% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7451% | 3,651 |
| Return on assets (ROA) | 0.7451% | 3,886 |
| Pretax return on assets | 0.9511% | 3,861 |
| Return on Equity (ROE) | 6.8939% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.0278% | 2,941 |
| Net charge-offs to loans | -0.2085% | 7,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3941% | 2,730 |
| Assets per employee ($millions) | 3.7320% | 4,576 |
| Cash dividends to net income (ytd only)* | 12.5628% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1662% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,215.5172% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 6,103 |
| Noncurrent loans to loans | 0.1782% | 6,327 |
| Net loans and leases to total assets | 58.8401% | 3,895 |
| Net loans and leases to deposits | 66.0239% | 4,377 |
| Net loans and leases to core deposits | 72.1266% | 4,134 |
| Total domestic deposits to total assets | 89.1194% | 1,626 |
| Equity capital to assets | 10.7337% | 3,227 |
| Core capital (leverage) ratio | 10.5310% | 2,716 |
| Tier 1 risk-based capital ratio | 15.5397% | 3,424 |
| Total risk-based capital ratio | 16.8120% | 3,379 |
| Memoranda: | ||
| Average total assets | $106,827,000 | 4,775 |
| Average earning assets | $94,737,500 | 4,826 |
| Average equity | $11,546,500 | 4,715 |
| Average total loans | $65,225,000 | 4,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 5,701 |
| Cost of funding earning assets | 0.6265% | 5,947 |
| Net interest margin | 3.6933% | 4,328 |
| Noninterest income to average assets | 1.0377% | 1,258 |
| Noninterest expense to average assets | 3.1198% | 3,132 |
| Loan and lease loss provision to assets | 0.0764% | 5,656 |
| Net operating income to assets | 0.7893% | 3,084 |
| Return on assets (ROA) | 0.7893% | 3,248 |
| Pretax return on assets | 1.0186% | 3,168 |
| Return on Equity (ROE) | 7.5043% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.0501% | 1,484 |
| Net charge-offs to loans | 0.1244% | 5,143 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 14.3250% | 1,464 |
| Efficiency ratio | 74.0195% | 3,236 |
| Assets per employee ($millions) | 3.6353% | 4,695 |
| Cash dividends to net income (ytd only)* | 6.0533% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1053% | 1,989 |
| Loan loss allowance to noncurrent loans | 833.9394% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 4,820 |
| Noncurrent loans to loans | 0.2525% | 6,229 |
| Net loans and leases to total assets | 60.6896% | 3,849 |
| Net loans and leases to deposits | 68.1609% | 4,420 |
| Net loans and leases to core deposits | 73.5248% | 4,301 |
| Total domestic deposits to total assets | 89.0387% | 1,515 |
| Equity capital to assets | 10.8855% | 3,096 |
| Core capital (leverage) ratio | 10.6271% | 2,589 |
| Tier 1 risk-based capital ratio | 15.1604% | 3,541 |
| Total risk-based capital ratio | 16.4309% | 3,492 |
| Memoranda: | ||
| Average total assets | $104,652,600 | 4,770 |
| Average earning assets | $90,027,200 | 4,937 |
| Average equity | $11,007,000 | 4,776 |
| Average total loans | $64,303,600 | 4,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 5,707 |
| Cost of funding earning assets | 0.6536% | 6,016 |
| Net interest margin | 3.7169% | 4,261 |
| Noninterest income to average assets | 1.1028% | 1,095 |
| Noninterest expense to average assets | 3.1437% | 3,011 |
| Loan and lease loss provision to assets | 0.0255% | 6,132 |
| Net operating income to assets | 0.8488% | 2,947 |
| Return on assets (ROA) | 0.8488% | 3,098 |
| Pretax return on assets | 1.1130% | 2,958 |
| Return on Equity (ROE) | 8.1420% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.5298% | 1,700 |
| Net charge-offs to loans | 0.1499% | 4,567 |
| Credit loss provision to net charge-offs | 27.7778% | 5,442 |
| Earnings coverage of net charge-offs (x) | 12.3885% | 1,712 |
| Efficiency ratio | 73.4128% | 3,297 |
| Assets per employee ($millions) | 3.5480% | 4,882 |
| Cash dividends to net income (ytd only)* | 7.5194% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 2,091 |
| Loan loss allowance to noncurrent loans | 675.5102% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 5,129 |
| Noncurrent loans to loans | 0.3091% | 6,229 |
| Net loans and leases to total assets | 60.3386% | 4,073 |
| Net loans and leases to deposits | 67.9528% | 4,620 |
| Net loans and leases to core deposits | 73.7933% | 4,480 |
| Total domestic deposits to total assets | 88.7949% | 1,548 |
| Equity capital to assets | 10.9980% | 3,151 |
| Core capital (leverage) ratio | 10.5875% | 2,774 |
| Tier 1 risk-based capital ratio | 15.3409% | 3,465 |
| Total risk-based capital ratio | 16.6117% | 3,424 |
| Memoranda: | ||
| Average total assets | $104,459,500 | 4,803 |
| Average earning assets | $89,356,500 | 4,971 |
| Average equity | $10,889,750 | 4,833 |
| Average total loans | $64,040,000 | 4,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 5,758 |
| Cost of funding earning assets | 0.6857% | 6,039 |
| Net interest margin | 3.6961% | 4,282 |
| Noninterest income to average assets | 0.9868% | 1,359 |
| Noninterest expense to average assets | 3.1148% | 3,197 |
| Loan and lease loss provision to assets | 0.0305% | 5,926 |
| Net operating income to assets | 0.7487% | 3,300 |
| Return on assets (ROA) | 0.7487% | 3,422 |
| Pretax return on assets | 0.9735% | 3,342 |
| Return on Equity (ROE) | 7.3132% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.8480% | 1,948 |
| Net charge-offs to loans | -0.0062% | 6,616 |
| Credit loss provision to net charge-offs | -800.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6244% | 3,081 |
| Assets per employee ($millions) | 3.3809% | 5,250 |
| Cash dividends to net income (ytd only)* | 6.3613% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 1,992 |
| Loan loss allowance to noncurrent loans | 765.9341% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 6,594 |
| Noncurrent loans to loans | 0.2825% | 6,357 |
| Net loans and leases to total assets | 60.1389% | 4,246 |
| Net loans and leases to deposits | 67.3264% | 4,811 |
| Net loans and leases to core deposits | 73.7947% | 4,601 |
| Total domestic deposits to total assets | 89.3244% | 1,345 |
| Equity capital to assets | 10.4819% | 3,531 |
| Core capital (leverage) ratio | 10.1992% | 3,035 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,642 |
| Total risk-based capital ratio | 16.0297% | 3,595 |
| Memoranda: | ||
| Average total assets | $104,982,330 | 4,827 |
| Average earning assets | $88,959,000 | 5,024 |
| Average equity | $10,747,670 | 4,859 |
| Average total loans | $64,251,000 | 4,782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 5,926 |
| Cost of funding earning assets | 0.6915% | 6,183 |
| Net interest margin | 3.6357% | 4,396 |
| Noninterest income to average assets | 0.9327% | 1,539 |
| Noninterest expense to average assets | 3.2322% | 2,768 |
| Loan and lease loss provision to assets | 0.0457% | 5,429 |
| Net operating income to assets | 0.5977% | 4,040 |
| Return on assets (ROA) | 0.5977% | 4,107 |
| Pretax return on assets | 0.7576% | 4,067 |
| Return on Equity (ROE) | 5.9086% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.9678% | 3,218 |
| Net charge-offs to loans | 0.1621% | 3,510 |
| Credit loss provision to net charge-offs | 46.1538% | 3,834 |
| Earnings coverage of net charge-offs (x) | 8.1154% | 1,859 |
| Efficiency ratio | 80.0943% | 2,513 |
| Assets per employee ($millions) | 3.3945% | 5,259 |
| Cash dividends to net income (ytd only)* | 15.9236% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1311% | 2,116 |
| Loan loss allowance to noncurrent loans | 769.4915% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 6,655 |
| Noncurrent loans to loans | 0.2770% | 6,435 |
| Net loans and leases to total assets | 59.4393% | 4,376 |
| Net loans and leases to deposits | 66.3105% | 4,927 |
| Net loans and leases to core deposits | 73.1256% | 4,634 |
| Total domestic deposits to total assets | 89.6379% | 1,399 |
| Equity capital to assets | 10.1654% | 3,574 |
| Core capital (leverage) ratio | 10.0988% | 3,039 |
| Tier 1 risk-based capital ratio | 14.7957% | 3,547 |
| Total risk-based capital ratio | 16.0669% | 3,496 |
| Memoranda: | ||
| Average total assets | $105,069,000 | 4,866 |
| Average earning assets | $89,666,500 | 5,038 |
| Average equity | $10,628,500 | 4,887 |
| Average total loans | $64,164,000 | 4,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 6,854 |
| Cost of funding earning assets | 0.9299% | 6,032 |
| Net interest margin | 3.3236% | 5,896 |
| Noninterest income to average assets | 0.8384% | 2,105 |
| Noninterest expense to average assets | 3.0129% | 3,796 |
| Loan and lease loss provision to assets | 0.5469% | 2,952 |
| Net operating income to assets | 0.1346% | 5,488 |
| Return on assets (ROA) | 0.1346% | 5,641 |
| Pretax return on assets | 0.1458% | 5,605 |
| Return on Equity (ROE) | 1.3616% | 5,601 |
| Retained earnings to average equity (ytd only) | 0.8921% | 5,103 |
| Net charge-offs to loans | 0.4793% | 3,704 |
| Credit loss provision to net charge-offs | 204.5139% | 1,520 |
| Earnings coverage of net charge-offs (x) | 2.5903% | 3,806 |
| Efficiency ratio | 81.3079% | 2,245 |
| Assets per employee ($millions) | 3.3841% | 5,208 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1360% | 1,988 |
| Loan loss allowance to noncurrent loans | 800.0000% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,839 |
| Noncurrent loans to loans | 0.2670% | 6,524 |
| Net loans and leases to total assets | 60.0927% | 4,664 |
| Net loans and leases to deposits | 66.9378% | 5,263 |
| Net loans and leases to core deposits | 71.8665% | 5,230 |
| Total domestic deposits to total assets | 89.7739% | 1,221 |
| Equity capital to assets | 10.0660% | 3,666 |
| Core capital (leverage) ratio | 9.8750% | 3,237 |
| Tier 1 risk-based capital ratio | 14.6060% | 3,476 |
| Total risk-based capital ratio | 15.8786% | 3,426 |
| Memoranda: | ||
| Average total assets | $107,704,000 | 4,781 |
| Average earning assets | $92,912,000 | 4,920 |
| Average equity | $10,649,600 | 4,947 |
| Average total loans | $60,093,000 | 5,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 7,048 |
| Cost of funding earning assets | 0.9947% | 5,963 |
| Net interest margin | 3.2368% | 6,222 |
| Noninterest income to average assets | 0.8179% | 2,140 |
| Noninterest expense to average assets | 2.8190% | 4,406 |
| Loan and lease loss provision to assets | 0.3542% | 3,783 |
| Net operating income to assets | 0.3382% | 5,014 |
| Return on assets (ROA) | 0.3382% | 5,190 |
| Pretax return on assets | 0.4342% | 5,132 |
| Return on Equity (ROE) | 3.4357% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.8110% | 4,463 |
| Net charge-offs to loans | 0.8766% | 2,253 |
| Credit loss provision to net charge-offs | 74.2268% | 5,311 |
| Earnings coverage of net charge-offs (x) | 1.6521% | 4,467 |
| Efficiency ratio | 78.1452% | 2,610 |
| Assets per employee ($millions) | 3.3721% | 5,270 |
| Cash dividends to net income (ytd only)* | 18.1831% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,471 |
| Loan loss allowance to noncurrent loans | 518.6170% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 5,726 |
| Noncurrent loans to loans | 0.3110% | 6,571 |
| Net loans and leases to total assets | 56.9021% | 5,427 |
| Net loans and leases to deposits | 63.7180% | 5,946 |
| Net loans and leases to core deposits | 67.9942% | 5,941 |
| Total domestic deposits to total assets | 89.3030% | 1,229 |
| Equity capital to assets | 10.3363% | 3,723 |
| Core capital (leverage) ratio | 9.9185% | 3,337 |
| Tier 1 risk-based capital ratio | 15.1318% | 3,192 |
| Total risk-based capital ratio | 16.3973% | 3,157 |
| Memoranda: | ||
| Average total assets | $108,403,000 | 4,824 |
| Average earning assets | $93,423,750 | 4,967 |
| Average equity | $10,672,000 | 5,001 |
| Average total loans | $59,011,750 | 5,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 7,255 |
| Cost of funding earning assets | 1.0197% | 6,054 |
| Net interest margin | 3.1074% | 6,593 |
| Noninterest income to average assets | 0.8059% | 2,084 |
| Noninterest expense to average assets | 2.7459% | 4,711 |
| Loan and lease loss provision to assets | 0.1167% | 5,730 |
| Net operating income to assets | 0.4248% | 4,636 |
| Return on assets (ROA) | 0.4248% | 4,799 |
| Pretax return on assets | 0.6436% | 4,423 |
| Return on Equity (ROE) | 4.3848% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,598 |
| Net charge-offs to loans | 0.7312% | 2,398 |
| Credit loss provision to net charge-offs | 29.9065% | 5,737 |
| Earnings coverage of net charge-offs (x) | 1.9486% | 4,060 |
| Efficiency ratio | 78.3151% | 2,674 |
| Assets per employee ($millions) | 3.3312% | 5,351 |
| Cash dividends to net income (ytd only)* | 10.7296% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,282 |
| Loan loss allowance to noncurrent loans | 168.4882% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 5,096 |
| Noncurrent loans to loans | 0.9745% | 5,360 |
| Net loans and leases to total assets | 51.9827% | 6,211 |
| Net loans and leases to deposits | 58.0097% | 6,573 |
| Net loans and leases to core deposits | 63.1059% | 6,473 |
| Total domestic deposits to total assets | 89.6104% | 1,121 |
| Equity capital to assets | 10.0547% | 3,945 |
| Core capital (leverage) ratio | 9.5846% | 3,693 |
| Tier 1 risk-based capital ratio | 15.6351% | 2,830 |
| Total risk-based capital ratio | 16.9010% | 2,787 |
| Memoranda: | ||
| Average total assets | $109,692,670 | 4,810 |
| Average earning assets | $95,321,330 | 4,950 |
| Average equity | $10,627,670 | 5,022 |
| Average total loans | $58,530,000 | 5,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 7,374 |
| Cost of funding earning assets | 1.0568% | 6,102 |
| Net interest margin | 3.0465% | 6,723 |
| Noninterest income to average assets | 0.7659% | 2,198 |
| Noninterest expense to average assets | 2.6213% | 5,259 |
| Loan and lease loss provision to assets | 0.1151% | 5,460 |
| Net operating income to assets | 0.4495% | 4,618 |
| Return on assets (ROA) | 0.4495% | 4,743 |
| Pretax return on assets | 0.6832% | 4,298 |
| Return on Equity (ROE) | 4.7248% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.7798% | 3,875 |
| Net charge-offs to loans | 0.5300% | 2,475 |
| Credit loss provision to net charge-offs | 40.5063% | 4,633 |
| Earnings coverage of net charge-offs (x) | 2.8101% | 3,142 |
| Efficiency ratio | 76.6562% | 3,109 |
| Assets per employee ($millions) | 3.3464% | 5,439 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 2,934 |
| Loan loss allowance to noncurrent loans | 229.4643% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 6,362 |
| Noncurrent loans to loans | 0.7574% | 5,810 |
| Net loans and leases to total assets | 52.6333% | 6,204 |
| Net loans and leases to deposits | 58.5137% | 6,586 |
| Net loans and leases to core deposits | 63.9639% | 6,456 |
| Total domestic deposits to total assets | 89.9504% | 1,013 |
| Equity capital to assets | 9.6476% | 4,311 |
| Core capital (leverage) ratio | 9.4430% | 3,866 |
| Tier 1 risk-based capital ratio | 15.1036% | 3,065 |
| Total risk-based capital ratio | 16.3702% | 3,014 |
| Memoranda: | ||
| Average total assets | $111,240,500 | 4,842 |
| Average earning assets | $96,898,000 | 4,957 |
| Average equity | $10,582,500 | 5,077 |
| Average total loans | $59,626,500 | 5,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 7,400 |
| Cost of funding earning assets | 1.4771% | 5,601 |
| Net interest margin | 3.0021% | 6,643 |
| Noninterest income to average assets | 0.8191% | 2,309 |
| Noninterest expense to average assets | 2.4618% | 6,263 |
| Loan and lease loss provision to assets | 1.4863% | 1,549 |
| Net operating income to assets | -0.3084% | 5,981 |
| Return on assets (ROA) | -0.3084% | 5,978 |
| Pretax return on assets | -0.4933% | 6,005 |
| Return on Equity (ROE) | -3.1784% | 6,008 |
| Retained earnings to average equity (ytd only) | -4.5931% | 5,971 |
| Net charge-offs to loans | 2.3684% | 969 |
| Credit loss provision to net charge-offs | 111.3855% | 4,933 |
| Earnings coverage of net charge-offs (x) | 0.7442% | 5,354 |
| Efficiency ratio | 71.2583% | 4,400 |
| Assets per employee ($millions) | 3.7350% | 4,434 |
| Cash dividends to net income (ytd only)* | -44.5104% | 7,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,588 |
| Loan loss allowance to noncurrent loans | 1,396.1039% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,230 |
| Noncurrent loans to loans | 0.1281% | 7,108 |
| Net loans and leases to total assets | 52.6787% | 6,344 |
| Net loans and leases to deposits | 58.3203% | 6,764 |
| Net loans and leases to core deposits | 77.6055% | 6,287 |
| Total domestic deposits to total assets | 90.3266% | 822 |
| Equity capital to assets | 9.3807% | 4,587 |
| Core capital (leverage) ratio | 9.3501% | 3,902 |
| Tier 1 risk-based capital ratio | 14.6956% | 3,101 |
| Total risk-based capital ratio | 15.9489% | 3,056 |
| Memoranda: | ||
| Average total assets | $109,268,000 | 4,839 |
| Average earning assets | $95,931,800 | 4,949 |
| Average equity | $10,602,800 | 5,129 |
| Average total loans | $61,560,200 | 5,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 7,470 |
| Cost of funding earning assets | 1.5797% | 5,492 |
| Net interest margin | 2.9575% | 6,715 |
| Noninterest income to average assets | 0.8216% | 2,325 |
| Noninterest expense to average assets | 2.5297% | 5,978 |
| Loan and lease loss provision to assets | 0.1203% | 6,160 |
| Net operating income to assets | 0.5133% | 3,925 |
| Return on assets (ROA) | 0.5133% | 4,019 |
| Pretax return on assets | 0.7786% | 3,602 |
| Return on Equity (ROE) | 5.2450% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.3628% | 3,422 |
| Net charge-offs to loans | -0.0280% | 7,796 |
| Credit loss provision to net charge-offs | -753.8462% | 7,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7822% | 3,899 |
| Assets per employee ($millions) | 3.6118% | 4,656 |
| Cash dividends to net income (ytd only)* | 35.8860% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 2,765 |
| Loan loss allowance to noncurrent loans | 658.0645% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 7,085 |
| Noncurrent loans to loans | 0.2524% | 6,881 |
| Net loans and leases to total assets | 55.7340% | 6,174 |
| Net loans and leases to deposits | 62.2148% | 6,653 |
| Net loans and leases to core deposits | 84.2083% | 6,026 |
| Total domestic deposits to total assets | 89.5832% | 930 |
| Equity capital to assets | 9.9599% | 4,137 |
| Core capital (leverage) ratio | 9.5253% | 3,879 |
| Tier 1 risk-based capital ratio | 14.5278% | 3,262 |
| Total risk-based capital ratio | 15.7934% | 3,201 |
| Memoranda: | ||
| Average total assets | $108,572,750 | 4,894 |
| Average earning assets | $95,709,250 | 4,989 |
| Average equity | $10,625,750 | 5,158 |
| Average total loans | $61,925,000 | 5,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 7,531 |
| Cost of funding earning assets | 1.6503% | 5,509 |
| Net interest margin | 2.9521% | 6,677 |
| Noninterest income to average assets | 0.8100% | 2,367 |
| Noninterest expense to average assets | 2.4667% | 6,238 |
| Loan and lease loss provision to assets | 0.1197% | 5,928 |
| Net operating income to assets | 0.5467% | 3,896 |
| Return on assets (ROA) | 0.5467% | 4,018 |
| Pretax return on assets | 0.8284% | 3,579 |
| Return on Equity (ROE) | 5.6195% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.1465% | 2,431 |
| Net charge-offs to loans | 0.0322% | 6,006 |
| Credit loss provision to net charge-offs | 650.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 672 |
| Efficiency ratio | 72.2372% | 4,362 |
| Assets per employee ($millions) | 3.7418% | 4,227 |
| Cash dividends to net income (ytd only)* | 8.4175% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,064 |
| Loan loss allowance to noncurrent loans | 1,108.0460% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 7,389 |
| Noncurrent loans to loans | 0.1376% | 7,172 |
| Net loans and leases to total assets | 55.4701% | 6,276 |
| Net loans and leases to deposits | 61.6137% | 6,765 |
| Net loans and leases to core deposits | 82.9676% | 6,160 |
| Total domestic deposits to total assets | 90.0290% | 819 |
| Equity capital to assets | 9.5043% | 4,605 |
| Core capital (leverage) ratio | 9.3383% | 4,119 |
| Tier 1 risk-based capital ratio | 14.0953% | 3,459 |
| Total risk-based capital ratio | 15.3567% | 3,392 |
| Memoranda: | ||
| Average total assets | $108,645,670 | 4,921 |
| Average earning assets | $95,863,670 | 5,012 |
| Average equity | $10,570,330 | 5,194 |
| Average total loans | $62,096,670 | 5,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 7,564 |
| Cost of funding earning assets | 1.6968% | 5,613 |
| Net interest margin | 2.9632% | 6,579 |
| Noninterest income to average assets | 0.8012% | 2,314 |
| Noninterest expense to average assets | 2.4522% | 6,016 |
| Loan and lease loss provision to assets | 0.1161% | 5,486 |
| Net operating income to assets | 0.5691% | 4,147 |
| Return on assets (ROA) | 0.5691% | 4,342 |
| Pretax return on assets | 0.8611% | 3,857 |
| Return on Equity (ROE) | 5.7789% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.8284% | 3,220 |
| Net charge-offs to loans | 0.0715% | 4,477 |
| Credit loss provision to net charge-offs | 281.8182% | 1,708 |
| Earnings coverage of net charge-offs (x) | 23.7273% | 1,266 |
| Efficiency ratio | 71.5066% | 4,269 |
| Assets per employee ($millions) | 3.6734% | 4,394 |
| Cash dividends to net income (ytd only)* | 16.4474% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 3,047 |
| Loan loss allowance to noncurrent loans | 105.6883% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 5,183 |
| Noncurrent loans to loans | 1.4096% | 4,196 |
| Net loans and leases to total assets | 55.7417% | 6,276 |
| Net loans and leases to deposits | 62.0696% | 6,735 |
| Net loans and leases to core deposits | 80.8564% | 6,319 |
| Total domestic deposits to total assets | 89.8052% | 887 |
| Equity capital to assets | 9.6440% | 4,463 |
| Core capital (leverage) ratio | 9.6525% | 3,817 |
| Tier 1 risk-based capital ratio | 14.4791% | 3,323 |
| Total risk-based capital ratio | 15.7426% | 3,237 |
| Memoranda: | ||
| Average total assets | $106,841,000 | 4,987 |
| Average earning assets | $94,764,000 | 5,063 |
| Average equity | $10,521,000 | 5,234 |
| Average total loans | $61,529,000 | 5,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 7,458 |
| Cost of funding earning assets | 2.0858% | 6,109 |
| Net interest margin | 3.3130% | 5,991 |
| Noninterest income to average assets | 0.8617% | 2,155 |
| Noninterest expense to average assets | 2.6229% | 5,565 |
| Loan and lease loss provision to assets | 1.0652% | 1,366 |
| Net operating income to assets | 0.1750% | 5,929 |
| Return on assets (ROA) | 0.1750% | 5,757 |
| Pretax return on assets | 0.2086% | 5,708 |
| Return on Equity (ROE) | 1.6403% | 5,725 |
| Retained earnings to average equity (ytd only) | -0.7439% | 5,524 |
| Net charge-offs to loans | 1.6639% | 669 |
| Credit loss provision to net charge-offs | 102.0468% | 5,216 |
| Earnings coverage of net charge-offs (x) | 1.2203% | 5,519 |
| Efficiency ratio | 67.3107% | 4,850 |
| Assets per employee ($millions) | 3.2337% | 5,385 |
| Cash dividends to net income (ytd only)* | 145.3488% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 2,707 |
| Loan loss allowance to noncurrent loans | 107.7014% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 4,807 |
| Noncurrent loans to loans | 1.3904% | 3,734 |
| Net loans and leases to total assets | 57.7808% | 6,233 |
| Net loans and leases to deposits | 64.5559% | 6,752 |
| Net loans and leases to core deposits | 82.6893% | 6,400 |
| Total domestic deposits to total assets | 89.5051% | 845 |
| Equity capital to assets | 10.0639% | 3,962 |
| Core capital (leverage) ratio | 10.0420% | 3,403 |
| Tier 1 risk-based capital ratio | 14.8886% | 3,102 |
| Total risk-based capital ratio | 16.1527% | 3,009 |
| Memoranda: | ||
| Average total assets | $98,289,800 | 5,104 |
| Average earning assets | $90,038,200 | 5,079 |
| Average equity | $10,485,800 | 5,271 |
| Average total loans | $61,660,600 | 5,193 |