Home > Mansfield State Bank > Performance and Condition Ratios
Mansfield State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9679% | 7,106 |
| Cost of funding earning assets | 0.1474% | 7,040 |
| Net interest margin | 1.8205% | 7,072 |
| Noninterest income to average assets | 0.0507% | 6,799 |
| Noninterest expense to average assets | 1.9657% | 6,413 |
| Loan and lease loss provision to assets | -0.3141% | 7,123 |
| Net operating income to assets | 0.3040% | 5,602 |
| Return on assets (ROA) | 0.3040% | 5,803 |
| Pretax return on assets | 0.1520% | 6,201 |
| Return on Equity (ROE) | 2.1246% | 5,990 |
| Retained earnings to average equity (ytd only) | 2.1246% | 5,262 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9888% | 325 |
| Assets per employee ($millions) | 4.2440% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1831% | 1,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 10.9095% | 7,111 |
| Net loans and leases to deposits | 12.9077% | 7,116 |
| Net loans and leases to core deposits | 13.5910% | 7,111 |
| Total domestic deposits to total assets | 84.5193% | 3,970 |
| Equity capital to assets | 15.4493% | 713 |
| Core capital (leverage) ratio | 13.9628% | 845 |
| Tier 1 risk-based capital ratio | 48.9128% | 147 |
| Total risk-based capital ratio | 49.7450% | 147 |
| Memoranda: | ||
| Average total assets | $13,158,500 | 7,140 |
| Average earning assets | $12,670,000 | 7,122 |
| Average equity | $1,882,750 | 7,062 |
| Average total loans | $1,712,750 | 7,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8594% | 7,187 |
| Cost of funding earning assets | 0.1563% | 7,104 |
| Net interest margin | 1.7032% | 7,161 |
| Noninterest income to average assets | 0.0451% | 6,876 |
| Noninterest expense to average assets | 1.9849% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3007% | 6,616 |
| Return on assets (ROA) | -0.3007% | 6,675 |
| Pretax return on assets | -0.3007% | 6,641 |
| Return on Equity (ROE) | -2.1567% | 6,629 |
| Retained earnings to average equity (ytd only) | -2.1567% | 6,376 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8571% | 244 |
| Assets per employee ($millions) | 4.3257% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7576% | 404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 12.2370% | 7,168 |
| Net loans and leases to deposits | 14.3205% | 7,174 |
| Net loans and leases to core deposits | 14.7051% | 7,168 |
| Total domestic deposits to total assets | 85.4512% | 3,636 |
| Equity capital to assets | 14.2868% | 981 |
| Core capital (leverage) ratio | 13.3514% | 1,035 |
| Tier 1 risk-based capital ratio | 44.8040% | 171 |
| Total risk-based capital ratio | 46.0683% | 170 |
| Memoranda: | ||
| Average total assets | $13,300,670 | 7,201 |
| Average earning assets | $12,799,670 | 7,182 |
| Average equity | $1,854,670 | 7,115 |
| Average total loans | $1,810,330 | 7,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8246% | 7,249 |
| Cost of funding earning assets | 0.1546% | 7,179 |
| Net interest margin | 1.6700% | 7,219 |
| Noninterest income to average assets | 0.0297% | 7,014 |
| Noninterest expense to average assets | 1.9313% | 6,585 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2971% | 6,708 |
| Return on assets (ROA) | -0.2971% | 6,748 |
| Pretax return on assets | -0.2971% | 6,730 |
| Return on Equity (ROE) | -2.1563% | 6,696 |
| Retained earnings to average equity (ytd only) | -2.1563% | 6,295 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1818% | 239 |
| Assets per employee ($millions) | 4.6810% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6687% | 225 |
| Loan loss allowance to noncurrent loans | 193.7500% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 6,311 |
| Noncurrent loans to loans | 2.4096% | 2,697 |
| Net loans and leases to total assets | 9.0152% | 7,244 |
| Net loans and leases to deposits | 10.4189% | 7,252 |
| Net loans and leases to core deposits | 10.6709% | 7,245 |
| Total domestic deposits to total assets | 86.5271% | 3,226 |
| Equity capital to assets | 13.2165% | 1,351 |
| Core capital (leverage) ratio | 12.9612% | 1,140 |
| Tier 1 risk-based capital ratio | 27.5739% | 679 |
| Total risk-based capital ratio | 28.2087% | 723 |
| Memoranda: | ||
| Average total assets | $13,462,500 | 7,262 |
| Average earning assets | $12,934,500 | 7,243 |
| Average equity | $1,855,000 | 7,168 |
| Average total loans | $1,890,500 | 7,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4217% | 7,265 |
| Cost of funding earning assets | 0.2490% | 7,179 |
| Net interest margin | 2.1727% | 7,185 |
| Noninterest income to average assets | 0.0643% | 6,772 |
| Noninterest expense to average assets | 2.4692% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.4263% | 6,436 |
| Return on assets (ROA) | -0.4263% | 6,488 |
| Pretax return on assets | -0.3700% | 6,404 |
| Return on Equity (ROE) | -2.7927% | 6,389 |
| Retained earnings to average equity (ytd only) | -2.7927% | 6,242 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6245% | 326 |
| Assets per employee ($millions) | 4.2940% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5275% | 1,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 18.5608% | 7,225 |
| Net loans and leases to deposits | 21.7443% | 7,238 |
| Net loans and leases to core deposits | 22.3270% | 7,233 |
| Total domestic deposits to total assets | 85.3594% | 3,662 |
| Equity capital to assets | 14.3922% | 933 |
| Core capital (leverage) ratio | 13.9453% | 837 |
| Tier 1 risk-based capital ratio | 39.0707% | 249 |
| Total risk-based capital ratio | 40.3141% | 241 |
| Memoranda: | ||
| Average total assets | $12,433,000 | 7,315 |
| Average earning assets | $11,644,600 | 7,298 |
| Average equity | $1,897,800 | 7,223 |
| Average total loans | $2,127,400 | 7,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5063% | 7,345 |
| Cost of funding earning assets | 0.2785% | 7,244 |
| Net interest margin | 2.2278% | 7,247 |
| Noninterest income to average assets | 0.0541% | 6,942 |
| Noninterest expense to average assets | 1.7098% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3571% | 5,177 |
| Return on assets (ROA) | 0.3571% | 5,363 |
| Pretax return on assets | 0.4221% | 5,398 |
| Return on Equity (ROE) | 2.3052% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.3052% | 4,967 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2030% | 2,232 |
| Assets per employee ($millions) | 4.1733% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9665% | 889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 16.1981% | 7,331 |
| Net loans and leases to deposits | 19.2831% | 7,338 |
| Net loans and leases to core deposits | 19.8240% | 7,330 |
| Total domestic deposits to total assets | 84.0016% | 4,229 |
| Equity capital to assets | 15.6470% | 696 |
| Core capital (leverage) ratio | 14.7447% | 717 |
| Tier 1 risk-based capital ratio | 44.2271% | 188 |
| Total risk-based capital ratio | 45.4760% | 186 |
| Memoranda: | ||
| Average total assets | $12,320,750 | 7,392 |
| Average earning assets | $11,490,750 | 7,375 |
| Average equity | $1,908,750 | 7,297 |
| Average total loans | $2,046,000 | 7,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5007% | 7,420 |
| Cost of funding earning assets | 0.2994% | 7,309 |
| Net interest margin | 2.2013% | 7,315 |
| Noninterest income to average assets | 0.0490% | 7,051 |
| Noninterest expense to average assets | 1.8606% | 6,996 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1469% | 5,892 |
| Return on assets (ROA) | 0.1469% | 5,986 |
| Pretax return on assets | 0.2285% | 5,861 |
| Return on Equity (ROE) | 0.9514% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.9514% | 5,486 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0625% | 1,317 |
| Assets per employee ($millions) | 4.5270% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2512% | 724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 13.5852% | 7,424 |
| Net loans and leases to deposits | 15.8641% | 7,432 |
| Net loans and leases to core deposits | 16.2655% | 7,427 |
| Total domestic deposits to total assets | 85.6343% | 3,531 |
| Equity capital to assets | 14.1006% | 1,069 |
| Core capital (leverage) ratio | 14.8478% | 697 |
| Tier 1 risk-based capital ratio | 43.6000% | 196 |
| Total risk-based capital ratio | 44.8471% | 194 |
| Memoranda: | ||
| Average total assets | $12,254,330 | 7,468 |
| Average earning assets | $11,357,000 | 7,451 |
| Average equity | $1,892,000 | 7,366 |
| Average total loans | $2,031,330 | 7,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5428% | 7,476 |
| Cost of funding earning assets | 0.3416% | 7,328 |
| Net interest margin | 2.2012% | 7,355 |
| Noninterest income to average assets | 0.0690% | 7,044 |
| Noninterest expense to average assets | 1.9325% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0345% | 6,269 |
| Return on assets (ROA) | 0.0345% | 6,304 |
| Pretax return on assets | 0.1380% | 6,079 |
| Return on Equity (ROE) | 0.2127% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.2127% | 5,729 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 1,075 |
| Assets per employee ($millions) | 4.2660% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6535% | 539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 12.7754% | 7,485 |
| Net loans and leases to deposits | 15.0276% | 7,495 |
| Net loans and leases to core deposits | 15.4260% | 7,484 |
| Total domestic deposits to total assets | 85.0133% | 4,025 |
| Equity capital to assets | 14.6820% | 833 |
| Core capital (leverage) ratio | 14.6396% | 721 |
| Tier 1 risk-based capital ratio | 30.4391% | 502 |
| Total risk-based capital ratio | 31.1489% | 516 |
| Memoranda: | ||
| Average total assets | $11,591,000 | 7,529 |
| Average earning assets | $10,539,500 | 7,518 |
| Average equity | $1,880,500 | 7,416 |
| Average total loans | $2,093,500 | 7,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 7,377 |
| Cost of funding earning assets | 0.4833% | 7,321 |
| Net interest margin | 3.0347% | 6,669 |
| Noninterest income to average assets | 0.0923% | 6,934 |
| Noninterest expense to average assets | 2.7134% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1292% | 6,023 |
| Return on assets (ROA) | -0.1292% | 6,080 |
| Pretax return on assets | -0.1292% | 6,021 |
| Return on Equity (ROE) | -0.7299% | 6,042 |
| Retained earnings to average equity (ytd only) | -0.7299% | 5,752 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0000% | 648 |
| Assets per employee ($millions) | 3.4613% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4900% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 23.3821% | 7,480 |
| Net loans and leases to deposits | 28.6896% | 7,477 |
| Net loans and leases to core deposits | 29.6749% | 7,477 |
| Total domestic deposits to total assets | 81.5004% | 5,355 |
| Equity capital to assets | 18.1240% | 366 |
| Core capital (leverage) ratio | 16.3128% | 474 |
| Tier 1 risk-based capital ratio | 45.1408% | 172 |
| Total risk-based capital ratio | 46.3892% | 169 |
| Memoranda: | ||
| Average total assets | $10,835,200 | 7,619 |
| Average earning assets | $8,897,200 | 7,612 |
| Average equity | $1,918,000 | 7,514 |
| Average total loans | $2,140,200 | 7,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 7,501 |
| Cost of funding earning assets | 0.4932% | 7,454 |
| Net interest margin | 3.0935% | 6,628 |
| Noninterest income to average assets | 0.0852% | 7,109 |
| Noninterest expense to average assets | 1.8633% | 7,250 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7429% | 3,231 |
| Return on assets (ROA) | 0.7429% | 3,397 |
| Pretax return on assets | 0.7429% | 4,106 |
| Return on Equity (ROE) | 4.2206% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.2206% | 3,517 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4953% | 3,800 |
| Assets per employee ($millions) | 3.6130% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1633% | 723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 17.5108% | 7,642 |
| Net loans and leases to deposits | 21.4730% | 7,657 |
| Net loans and leases to core deposits | 22.1781% | 7,648 |
| Total domestic deposits to total assets | 81.5481% | 5,183 |
| Equity capital to assets | 18.1013% | 409 |
| Core capital (leverage) ratio | 17.5926% | 379 |
| Tier 1 risk-based capital ratio | 48.9666% | 158 |
| Total risk-based capital ratio | 50.1403% | 157 |
| Memoranda: | ||
| Average total assets | $10,948,000 | 7,716 |
| Average earning assets | $8,921,750 | 7,712 |
| Average equity | $1,927,000 | 7,611 |
| Average total loans | $2,052,750 | 7,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 7,607 |
| Cost of funding earning assets | 0.5034% | 7,541 |
| Net interest margin | 2.9988% | 6,825 |
| Noninterest income to average assets | 0.0910% | 7,125 |
| Noninterest expense to average assets | 1.9118% | 7,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6737% | 3,515 |
| Return on assets (ROA) | 0.6737% | 3,662 |
| Pretax return on assets | 0.6737% | 4,332 |
| Return on Equity (ROE) | 3.8636% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,631 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9437% | 3,484 |
| Assets per employee ($millions) | 3.8113% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0815% | 773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 17.0544% | 7,717 |
| Net loans and leases to deposits | 20.5979% | 7,728 |
| Net loans and leases to core deposits | 21.2280% | 7,722 |
| Total domestic deposits to total assets | 82.7969% | 4,651 |
| Equity capital to assets | 16.9057% | 541 |
| Core capital (leverage) ratio | 17.4366% | 403 |
| Tier 1 risk-based capital ratio | 48.9010% | 161 |
| Total risk-based capital ratio | 50.1681% | 161 |
| Memoranda: | ||
| Average total assets | $10,984,330 | 7,782 |
| Average earning assets | $9,137,000 | 7,779 |
| Average equity | $1,915,330 | 7,677 |
| Average total loans | $2,083,670 | 7,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 7,697 |
| Cost of funding earning assets | 0.5520% | 7,600 |
| Net interest margin | 2.9899% | 6,852 |
| Noninterest income to average assets | 0.0744% | 7,335 |
| Noninterest expense to average assets | 2.0819% | 6,991 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4089% | 4,798 |
| Return on assets (ROA) | 0.4089% | 4,946 |
| Pretax return on assets | 0.4089% | 5,268 |
| Return on Equity (ROE) | 2.3079% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.3079% | 4,749 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5821% | 2,063 |
| Assets per employee ($millions) | 3.5540% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3898% | 589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 16.5729% | 7,816 |
| Net loans and leases to deposits | 20.2963% | 7,832 |
| Net loans and leases to core deposits | 20.9609% | 7,820 |
| Total domestic deposits to total assets | 81.6545% | 5,214 |
| Equity capital to assets | 17.9328% | 430 |
| Core capital (leverage) ratio | 16.4931% | 506 |
| Tier 1 risk-based capital ratio | 52.2943% | 142 |
| Total risk-based capital ratio | 53.5534% | 140 |
| Memoranda: | ||
| Average total assets | $10,759,500 | 7,884 |
| Average earning assets | $8,696,000 | 7,884 |
| Average equity | $1,906,500 | 7,764 |
| Average total loans | $2,119,500 | 7,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 7,580 |
| Cost of funding earning assets | 0.6978% | 7,687 |
| Net interest margin | 3.5566% | 4,714 |
| Noninterest income to average assets | 0.0646% | 7,425 |
| Noninterest expense to average assets | 2.9695% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0092% | 5,459 |
| Return on assets (ROA) | 0.0092% | 5,506 |
| Pretax return on assets | 0.0092% | 5,422 |
| Return on Equity (ROE) | 0.0520% | 5,520 |
| Retained earnings to average equity (ytd only) | -0.2598% | 5,005 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6904% | 1,116 |
| Assets per employee ($millions) | 2.7143% | 6,829 |
| Cash dividends to net income (ytd only)* | 600.0000% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.6266% | 7,846 |
| Net loans and leases to deposits | 26.3524% | 7,860 |
| Net loans and leases to core deposits | 28.5575% | 7,875 |
| Total domestic deposits to total assets | 82.0669% | 4,916 |
| Equity capital to assets | 17.5094% | 501 |
| Core capital (leverage) ratio | 16.3715% | 563 |
| Tier 1 risk-based capital ratio | 45.3946% | 189 |
| Total risk-based capital ratio | 46.6406% | 188 |
| Memoranda: | ||
| Average total assets | $10,843,400 | 7,959 |
| Average earning assets | $8,884,800 | 7,955 |
| Average equity | $1,924,400 | 7,852 |
| Average total loans | $2,485,000 | 7,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 7,597 |
| Cost of funding earning assets | 0.7708% | 7,733 |
| Net interest margin | 3.6422% | 4,313 |
| Noninterest income to average assets | 0.0738% | 7,540 |
| Noninterest expense to average assets | 1.8696% | 7,581 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1685% | 1,545 |
| Return on assets (ROA) | 1.1685% | 1,602 |
| Pretax return on assets | 1.1685% | 2,360 |
| Return on Equity (ROE) | 6.5618% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.1474% | 1,879 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 6,185 |
| Assets per employee ($millions) | 2.7463% | 6,744 |
| Cash dividends to net income (ytd only)* | 6.3161% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7482% | 834 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 7,488 |
| Noncurrent loans to loans | 0.1773% | 7,052 |
| Net loans and leases to total assets | 19.9727% | 7,949 |
| Net loans and leases to deposits | 24.5386% | 7,965 |
| Net loans and leases to core deposits | 26.5843% | 7,965 |
| Total domestic deposits to total assets | 81.3928% | 4,923 |
| Equity capital to assets | 18.1884% | 497 |
| Core capital (leverage) ratio | 17.6322% | 486 |
| Tier 1 risk-based capital ratio | 48.9586% | 175 |
| Total risk-based capital ratio | 50.2133% | 174 |
| Memoranda: | ||
| Average total assets | $10,840,000 | 8,044 |
| Average earning assets | $8,822,500 | 8,041 |
| Average equity | $1,930,250 | 7,934 |
| Average total loans | $2,503,750 | 8,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 7,796 |
| Cost of funding earning assets | 0.8510% | 7,757 |
| Net interest margin | 3.4040% | 5,146 |
| Noninterest income to average assets | 0.0556% | 7,715 |
| Noninterest expense to average assets | 1.8533% | 7,678 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9452% | 2,296 |
| Return on assets (ROA) | 0.9452% | 2,392 |
| Pretax return on assets | 0.9452% | 3,197 |
| Return on Equity (ROE) | 5.3468% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.7178% | 2,678 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2252% | 5,513 |
| Assets per employee ($millions) | 2.8840% | 6,433 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 1,137 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 7,525 |
| Noncurrent loans to loans | 0.1467% | 7,151 |
| Net loans and leases to total assets | 23.0929% | 8,005 |
| Net loans and leases to deposits | 27.8894% | 8,014 |
| Net loans and leases to core deposits | 30.0643% | 8,036 |
| Total domestic deposits to total assets | 82.8017% | 4,334 |
| Equity capital to assets | 16.8343% | 686 |
| Core capital (leverage) ratio | 17.4088% | 567 |
| Tier 1 risk-based capital ratio | 42.9246% | 255 |
| Total risk-based capital ratio | 44.1845% | 248 |
| Memoranda: | ||
| Average total assets | $10,791,670 | 8,137 |
| Average earning assets | $8,695,670 | 8,133 |
| Average equity | $1,907,670 | 8,022 |
| Average total loans | $2,586,330 | 8,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 7,732 |
| Cost of funding earning assets | 1.0466% | 7,600 |
| Net interest margin | 3.4388% | 4,977 |
| Noninterest income to average assets | 0.0768% | 7,668 |
| Noninterest expense to average assets | 1.9963% | 7,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7294% | 3,427 |
| Return on assets (ROA) | 0.7294% | 3,624 |
| Pretax return on assets | 0.7294% | 4,325 |
| Return on Equity (ROE) | 4.0201% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.7506% | 4,345 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 3,962 |
| Assets per employee ($millions) | 2.7320% | 6,801 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8585% | 552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 19.2807% | 8,093 |
| Net loans and leases to deposits | 23.4789% | 8,107 |
| Net loans and leases to core deposits | 25.3978% | 8,114 |
| Total domestic deposits to total assets | 82.1193% | 4,501 |
| Equity capital to assets | 17.3957% | 681 |
| Core capital (leverage) ratio | 16.8296% | 671 |
| Tier 1 risk-based capital ratio | 48.8669% | 221 |
| Total risk-based capital ratio | 50.1172% | 218 |
| Memoranda: | ||
| Average total assets | $10,419,500 | 8,186 |
| Average earning assets | $8,026,000 | 8,194 |
| Average equity | $1,890,500 | 8,073 |
| Average total loans | $2,516,500 | 8,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 7,961 |
| Cost of funding earning assets | 1.3001% | 7,849 |
| Net interest margin | 3.4407% | 5,501 |
| Noninterest income to average assets | 0.0707% | 7,788 |
| Noninterest expense to average assets | 3.2102% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0606% | 6,453 |
| Return on assets (ROA) | -0.0606% | 6,304 |
| Pretax return on assets | -0.0404% | 6,200 |
| Return on Equity (ROE) | -0.3131% | 6,272 |
| Retained earnings to average equity (ytd only) | -0.6262% | 5,480 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2739% | 934 |
| Assets per employee ($millions) | 2.4778% | 7,242 |
| Cash dividends to net income (ytd only)* | -100.0000% | 8,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 28.2716% | 8,029 |
| Net loans and leases to deposits | 35.1392% | 8,040 |
| Net loans and leases to core deposits | 38.3993% | 8,076 |
| Total domestic deposits to total assets | 80.4561% | 4,849 |
| Equity capital to assets | 18.9688% | 547 |
| Core capital (leverage) ratio | 17.2261% | 672 |
| Tier 1 risk-based capital ratio | 44.0321% | 272 |
| Total risk-based capital ratio | 45.2848% | 270 |
| Memoranda: | ||
| Average total assets | $9,905,800 | 8,248 |
| Average earning assets | $8,922,600 | 8,231 |
| Average equity | $1,916,400 | 8,135 |
| Average total loans | $2,880,000 | 8,220 |