Home > Marathon State Bank > Performance and Condition Ratios
Marathon 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 | 1.0302% | 7,154 |
| Cost of funding earning assets | 0.1840% | 6,973 |
| Net interest margin | 0.8462% | 7,150 |
| Noninterest income to average assets | 1.1037% | 1,235 |
| Noninterest expense to average assets | 0.9140% | 7,130 |
| Loan and lease loss provision to assets | 0.0064% | 5,728 |
| Net operating income to assets | 0.5410% | 4,657 |
| Return on assets (ROA) | 0.5410% | 4,923 |
| Pretax return on assets | 0.8025% | 4,474 |
| Return on Equity (ROE) | 4.3240% | 5,138 |
| Retained earnings to average equity (ytd only) | 4.3240% | 3,846 |
| 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 | 53.0506% | 6,346 |
| Assets per employee ($millions) | 10.9136% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0243% | 7,115 |
| Loan loss allowance to noncurrent loans | 6.2500% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,534 |
| Noncurrent loans to loans | 0.3886% | 5,688 |
| Net loans and leases to total assets | 20.9546% | 7,012 |
| Net loans and leases to deposits | 22.4501% | 7,053 |
| Net loans and leases to core deposits | 24.5738% | 7,044 |
| Total domestic deposits to total assets | 93.3386% | 91 |
| Equity capital to assets | 6.0608% | 6,982 |
| Core capital (leverage) ratio | 5.9107% | 6,954 |
| Tier 1 risk-based capital ratio | 17.7149% | 2,455 |
| Total risk-based capital ratio | 17.7298% | 2,975 |
| Memoranda: | ||
| Average total assets | $104,011,250 | 4,774 |
| Average earning assets | $76,101,250 | 5,289 |
| Average equity | $13,012,250 | 4,396 |
| Average total loans | $27,997,000 | 6,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3816% | 7,233 |
| Cost of funding earning assets | 0.0644% | 7,199 |
| Net interest margin | 0.3172% | 7,232 |
| Noninterest income to average assets | 1.6122% | 572 |
| Noninterest expense to average assets | 0.1661% | 7,240 |
| Loan and lease loss provision to assets | 0.0094% | 5,539 |
| Net operating income to assets | 1.0459% | 2,263 |
| Return on assets (ROA) | 1.0459% | 2,494 |
| Pretax return on assets | 1.6877% | 1,295 |
| Return on Equity (ROE) | 7.2110% | 3,666 |
| Retained earnings to average equity (ytd only) | 7.2110% | 1,998 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.9159% | 7,231 |
| Assets per employee ($millions) | 11.3801% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0161% | 7,182 |
| 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 | 30.3297% | 6,865 |
| Net loans and leases to deposits | 32.3904% | 6,954 |
| Net loans and leases to core deposits | 35.1856% | 6,931 |
| Total domestic deposits to total assets | 93.6380% | 92 |
| Equity capital to assets | 5.9353% | 7,033 |
| Core capital (leverage) ratio | 5.7146% | 7,011 |
| Tier 1 risk-based capital ratio | 15.1233% | 3,686 |
| Total risk-based capital ratio | 15.1358% | 4,506 |
| Memoranda: | ||
| Average total assets | $105,941,000 | 4,753 |
| Average earning assets | $83,862,000 | 5,106 |
| Average equity | $15,365,330 | 3,916 |
| Average total loans | $30,467,000 | 6,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7564% | 7,124 |
| Cost of funding earning assets | 0.7762% | 3,650 |
| Net interest margin | 1.9801% | 7,172 |
| Noninterest income to average assets | 0.0446% | 6,957 |
| Noninterest expense to average assets | 1.3148% | 7,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2860% | 5,702 |
| Return on assets (ROA) | 0.2860% | 5,870 |
| Pretax return on assets | 0.3120% | 5,953 |
| Return on Equity (ROE) | 1.5393% | 6,213 |
| Retained earnings to average equity (ytd only) | 1.5393% | 5,470 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8219% | 2,103 |
| Assets per employee ($millions) | 11.8877% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,669 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,945 |
| Noncurrent loans to loans | 0.0102% | 6,765 |
| Net loans and leases to total assets | 27.2224% | 6,998 |
| Net loans and leases to deposits | 33.5395% | 6,965 |
| Net loans and leases to core deposits | 36.0770% | 6,941 |
| Total domestic deposits to total assets | 81.1654% | 5,555 |
| Equity capital to assets | 18.7374% | 296 |
| Core capital (leverage) ratio | 18.9155% | 245 |
| Tier 1 risk-based capital ratio | 18.5982% | 2,115 |
| Total risk-based capital ratio | 18.9155% | 2,391 |
| Memoranda: | ||
| Average total assets | $107,701,000 | 4,757 |
| Average earning assets | $86,055,000 | 5,081 |
| Average equity | $20,008,500 | 3,225 |
| Average total loans | $30,166,000 | 6,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8504% | 7,210 |
| Cost of funding earning assets | 0.8600% | 4,393 |
| Net interest margin | 1.9904% | 7,222 |
| Noninterest income to average assets | 0.0414% | 6,869 |
| Noninterest expense to average assets | 1.1304% | 7,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5349% | 4,287 |
| Return on assets (ROA) | 0.5374% | 4,473 |
| Pretax return on assets | 0.5911% | 4,725 |
| Return on Equity (ROE) | 2.8422% | 5,346 |
| Retained earnings to average equity (ytd only) | 0.2937% | 5,695 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7722% | 4,821 |
| Assets per employee ($millions) | 10.8413% | 189 |
| Cash dividends to net income (ytd only)* | 89.6673% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,783 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,999 |
| Noncurrent loans to loans | 0.0130% | 6,809 |
| Net loans and leases to total assets | 28.1544% | 7,057 |
| Net loans and leases to deposits | 34.5404% | 7,034 |
| Net loans and leases to core deposits | 37.2877% | 7,012 |
| Total domestic deposits to total assets | 81.5114% | 5,289 |
| Equity capital to assets | 18.4203% | 322 |
| Core capital (leverage) ratio | 18.8320% | 254 |
| Tier 1 risk-based capital ratio | 18.2822% | 2,112 |
| Total risk-based capital ratio | 18.5953% | 2,413 |
| Memoranda: | ||
| Average total assets | $106,248,000 | 4,725 |
| Average earning assets | $89,531,000 | 4,949 |
| Average equity | $20,090,400 | 3,129 |
| Average total loans | $30,627,400 | 6,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8388% | 7,296 |
| Cost of funding earning assets | 0.8859% | 4,503 |
| Net interest margin | 1.9528% | 7,307 |
| Noninterest income to average assets | 0.0442% | 6,975 |
| Noninterest expense to average assets | 1.1440% | 7,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5184% | 4,462 |
| Return on assets (ROA) | 0.5184% | 4,648 |
| Pretax return on assets | 0.5600% | 4,934 |
| Return on Equity (ROE) | 2.7235% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,722 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1355% | 4,495 |
| Assets per employee ($millions) | 10.7046% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,792 |
| Loan loss allowance to noncurrent loans | 6,840.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,072 |
| Noncurrent loans to loans | 0.0164% | 6,904 |
| Net loans and leases to total assets | 28.1047% | 7,144 |
| Net loans and leases to deposits | 34.7358% | 7,104 |
| Net loans and leases to core deposits | 37.4667% | 7,090 |
| Total domestic deposits to total assets | 80.9101% | 5,464 |
| Equity capital to assets | 18.9844% | 319 |
| Core capital (leverage) ratio | 19.0944% | 258 |
| Tier 1 risk-based capital ratio | 18.8364% | 1,980 |
| Total risk-based capital ratio | 19.1534% | 2,253 |
| Memoranda: | ||
| Average total assets | $105,706,750 | 4,771 |
| Average earning assets | $89,849,250 | 4,960 |
| Average equity | $20,120,500 | 3,125 |
| Average total loans | $30,568,000 | 6,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8380% | 7,381 |
| Cost of funding earning assets | 0.9027% | 4,642 |
| Net interest margin | 1.9353% | 7,383 |
| Noninterest income to average assets | 0.0494% | 7,048 |
| Noninterest expense to average assets | 1.1229% | 7,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5491% | 4,312 |
| Return on assets (ROA) | 0.5491% | 4,444 |
| Pretax return on assets | 0.5966% | 4,748 |
| Return on Equity (ROE) | 2.8823% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.8823% | 4,452 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3039% | 5,003 |
| Assets per employee ($millions) | 10.5560% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,801 |
| Loan loss allowance to noncurrent loans | 3,420.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,104 |
| Noncurrent loans to loans | 0.0333% | 6,899 |
| Net loans and leases to total assets | 28.1508% | 7,236 |
| Net loans and leases to deposits | 34.8497% | 7,195 |
| Net loans and leases to core deposits | 37.8500% | 7,174 |
| Total domestic deposits to total assets | 80.7778% | 5,602 |
| Equity capital to assets | 19.1360% | 310 |
| Core capital (leverage) ratio | 19.2180% | 264 |
| Tier 1 risk-based capital ratio | 18.9841% | 1,855 |
| Total risk-based capital ratio | 19.3055% | 2,112 |
| Memoranda: | ||
| Average total assets | $105,260,330 | 4,821 |
| Average earning assets | $90,838,000 | 4,971 |
| Average equity | $20,053,330 | 3,117 |
| Average total loans | $30,615,000 | 6,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 7,444 |
| Cost of funding earning assets | 0.9018% | 4,911 |
| Net interest margin | 1.8994% | 7,430 |
| Noninterest income to average assets | 0.0609% | 7,092 |
| Noninterest expense to average assets | 1.1340% | 7,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5252% | 4,381 |
| Return on assets (ROA) | 0.5252% | 4,465 |
| Pretax return on assets | 0.5860% | 4,742 |
| Return on Equity (ROE) | 2.7628% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.7628% | 4,508 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9292% | 5,046 |
| Assets per employee ($millions) | 10.4101% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 6,021 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,166 |
| Noncurrent loans to loans | 0.0388% | 6,952 |
| Net loans and leases to total assets | 29.3772% | 7,249 |
| Net loans and leases to deposits | 36.4405% | 7,214 |
| Net loans and leases to core deposits | 39.7246% | 7,173 |
| Total domestic deposits to total assets | 80.6169% | 5,784 |
| Equity capital to assets | 19.2592% | 290 |
| Core capital (leverage) ratio | 19.0348% | 270 |
| Tier 1 risk-based capital ratio | 19.0847% | 1,782 |
| Total risk-based capital ratio | 19.4102% | 2,032 |
| Memoranda: | ||
| Average total assets | $105,110,500 | 4,864 |
| Average earning assets | $91,819,000 | 4,976 |
| Average equity | $19,980,000 | 3,122 |
| Average total loans | $30,893,500 | 6,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2563% | 7,454 |
| Cost of funding earning assets | 1.1258% | 4,993 |
| Net interest margin | 2.1305% | 7,421 |
| Noninterest income to average assets | 0.0424% | 7,147 |
| Noninterest expense to average assets | 1.1270% | 7,561 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5907% | 3,715 |
| Return on assets (ROA) | 0.5922% | 3,873 |
| Pretax return on assets | 0.7062% | 3,955 |
| Return on Equity (ROE) | 3.1408% | 4,900 |
| Retained earnings to average equity (ytd only) | 0.5842% | 5,289 |
| Net charge-offs to loans | 0.1690% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,324 |
| Efficiency ratio | 61.5424% | 5,802 |
| Assets per employee ($millions) | 10.6120% | 220 |
| Cash dividends to net income (ytd only)* | 81.3990% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,926 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,221 |
| Noncurrent loans to loans | 0.0389% | 7,032 |
| Net loans and leases to total assets | 28.7608% | 7,385 |
| Net loans and leases to deposits | 35.4446% | 7,360 |
| Net loans and leases to core deposits | 38.8798% | 7,326 |
| Total domestic deposits to total assets | 81.1430% | 5,480 |
| Equity capital to assets | 18.7627% | 327 |
| Core capital (leverage) ratio | 18.6674% | 292 |
| Tier 1 risk-based capital ratio | 18.6065% | 1,815 |
| Total risk-based capital ratio | 18.9261% | 2,066 |
| Memoranda: | ||
| Average total assets | $106,207,200 | 4,820 |
| Average earning assets | $89,182,200 | 5,044 |
| Average equity | $20,026,600 | 3,145 |
| Average total loans | $30,181,200 | 6,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 7,568 |
| Cost of funding earning assets | 1.1653% | 5,060 |
| Net interest margin | 2.2074% | 7,514 |
| Noninterest income to average assets | 0.0414% | 7,311 |
| Noninterest expense to average assets | 1.1321% | 7,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6317% | 3,744 |
| Return on assets (ROA) | 0.6338% | 3,900 |
| Pretax return on assets | 0.7568% | 4,061 |
| Return on Equity (ROE) | 3.3573% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.3573% | 4,085 |
| Net charge-offs to loans | 0.2266% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 11.7840% | 1,753 |
| Efficiency ratio | 60.0133% | 5,951 |
| Assets per employee ($millions) | 10.7710% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,708 |
| Loan loss allowance to noncurrent loans | 3,109.0909% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,345 |
| Noncurrent loans to loans | 0.0370% | 7,158 |
| Net loans and leases to total assets | 27.2686% | 7,520 |
| Net loans and leases to deposits | 33.6584% | 7,525 |
| Net loans and leases to core deposits | 37.6296% | 7,469 |
| Total domestic deposits to total assets | 81.0157% | 5,358 |
| Equity capital to assets | 18.8460% | 359 |
| Core capital (leverage) ratio | 19.4202% | 271 |
| Tier 1 risk-based capital ratio | 18.6869% | 1,826 |
| Total risk-based capital ratio | 19.0017% | 2,059 |
| Memoranda: | ||
| Average total assets | $106,229,000 | 4,881 |
| Average earning assets | $88,789,500 | 5,114 |
| Average equity | $20,055,500 | 3,185 |
| Average total loans | $30,010,750 | 6,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 7,629 |
| Cost of funding earning assets | 1.1975% | 5,143 |
| Net interest margin | 2.2344% | 7,565 |
| Noninterest income to average assets | 0.0435% | 7,362 |
| Noninterest expense to average assets | 1.1425% | 7,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6699% | 3,528 |
| Return on assets (ROA) | 0.6715% | 3,670 |
| Pretax return on assets | 0.7982% | 3,890 |
| Return on Equity (ROE) | 3.5546% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.5546% | 3,841 |
| Net charge-offs to loans | 0.3388% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.2549% | 2,165 |
| Efficiency ratio | 58.9268% | 6,236 |
| Assets per employee ($millions) | 10.3947% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,875 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 7,365 |
| Noncurrent loans to loans | 0.0586% | 7,172 |
| Net loans and leases to total assets | 29.2149% | 7,556 |
| Net loans and leases to deposits | 36.2911% | 7,530 |
| Net loans and leases to core deposits | 39.9584% | 7,490 |
| Total domestic deposits to total assets | 80.5016% | 5,560 |
| Equity capital to assets | 19.3839% | 318 |
| Core capital (leverage) ratio | 19.1399% | 285 |
| Tier 1 risk-based capital ratio | 19.2142% | 1,670 |
| Total risk-based capital ratio | 19.5404% | 1,847 |
| Memoranda: | ||
| Average total assets | $105,735,330 | 4,921 |
| Average earning assets | $89,687,330 | 5,104 |
| Average equity | $19,974,330 | 3,177 |
| Average total loans | $30,110,000 | 6,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 7,726 |
| Cost of funding earning assets | 1.2175% | 5,297 |
| Net interest margin | 2.2169% | 7,642 |
| Noninterest income to average assets | 0.0450% | 7,486 |
| Noninterest expense to average assets | 1.1479% | 7,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6945% | 3,463 |
| Return on assets (ROA) | 0.6977% | 3,563 |
| Pretax return on assets | 0.8065% | 3,838 |
| Return on Equity (ROE) | 3.7411% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.7411% | 3,909 |
| Net charge-offs to loans | 0.6307% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.5532% | 2,606 |
| Efficiency ratio | 58.8462% | 6,358 |
| Assets per employee ($millions) | 10.5311% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 6,006 |
| Loan loss allowance to noncurrent loans | 2,035.2941% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 7,456 |
| Noncurrent loans to loans | 0.0540% | 7,270 |
| Net loans and leases to total assets | 29.5610% | 7,637 |
| Net loans and leases to deposits | 36.5512% | 7,610 |
| Net loans and leases to core deposits | 40.2527% | 7,570 |
| Total domestic deposits to total assets | 80.8757% | 5,502 |
| Equity capital to assets | 18.9724% | 342 |
| Core capital (leverage) ratio | 18.6144% | 332 |
| Tier 1 risk-based capital ratio | 18.8077% | 1,767 |
| Total risk-based capital ratio | 19.1334% | 1,944 |
| Memoranda: | ||
| Average total assets | $106,629,500 | 4,965 |
| Average earning assets | $91,659,500 | 5,115 |
| Average equity | $19,887,000 | 3,213 |
| Average total loans | $29,810,000 | 6,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 7,764 |
| Cost of funding earning assets | 1.6362% | 4,863 |
| Net interest margin | 2.1444% | 7,677 |
| Noninterest income to average assets | 0.0295% | 7,594 |
| Noninterest expense to average assets | 1.1290% | 7,929 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5957% | 3,345 |
| Return on assets (ROA) | 0.5972% | 3,418 |
| Pretax return on assets | 0.7299% | 3,472 |
| Return on Equity (ROE) | 3.2708% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.2518% | 4,167 |
| Net charge-offs to loans | -0.0033% | 7,708 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7940% | 6,361 |
| Assets per employee ($millions) | 10.7948% | 218 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,256 |
| Loan loss allowance to noncurrent loans | 586.5672% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 7,343 |
| Noncurrent loans to loans | 0.2381% | 6,838 |
| Net loans and leases to total assets | 25.7068% | 7,786 |
| Net loans and leases to deposits | 31.5251% | 7,791 |
| Net loans and leases to core deposits | 39.5153% | 7,764 |
| Total domestic deposits to total assets | 81.5439% | 5,137 |
| Equity capital to assets | 18.3366% | 424 |
| Core capital (leverage) ratio | 18.5645% | 363 |
| Tier 1 risk-based capital ratio | 18.1700% | 1,847 |
| Total risk-based capital ratio | 18.5307% | 2,043 |
| Memoranda: | ||
| Average total assets | $108,504,400 | 4,863 |
| Average earning assets | $92,472,600 | 5,043 |
| Average equity | $19,811,800 | 3,230 |
| Average total loans | $30,693,800 | 6,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 7,850 |
| Cost of funding earning assets | 1.7169% | 4,818 |
| Net interest margin | 2.1422% | 7,738 |
| Noninterest income to average assets | 0.0258% | 7,744 |
| Noninterest expense to average assets | 1.0701% | 8,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6421% | 3,439 |
| Return on assets (ROA) | 0.6431% | 3,501 |
| Pretax return on assets | 0.7867% | 3,583 |
| Return on Equity (ROE) | 3.5256% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.5256% | 3,322 |
| Net charge-offs to loans | -0.0042% | 7,619 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6720% | 6,765 |
| Assets per employee ($millions) | 10.8074% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,150 |
| Loan loss allowance to noncurrent loans | 553.5211% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 7,399 |
| Noncurrent loans to loans | 0.2459% | 6,890 |
| Net loans and leases to total assets | 26.3477% | 7,872 |
| Net loans and leases to deposits | 32.4280% | 7,879 |
| Net loans and leases to core deposits | 40.6548% | 7,846 |
| Total domestic deposits to total assets | 81.2499% | 4,977 |
| Equity capital to assets | 18.5706% | 463 |
| Core capital (leverage) ratio | 18.6107% | 407 |
| Tier 1 risk-based capital ratio | 18.3980% | 1,889 |
| Total risk-based capital ratio | 18.7583% | 2,080 |
| Memoranda: | ||
| Average total assets | $108,643,500 | 4,891 |
| Average earning assets | $92,800,250 | 5,078 |
| Average equity | $19,816,250 | 3,269 |
| Average total loans | $31,331,500 | 6,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 7,931 |
| Cost of funding earning assets | 1.8320% | 4,598 |
| Net interest margin | 2.0925% | 7,816 |
| Noninterest income to average assets | 0.0257% | 7,852 |
| Noninterest expense to average assets | 1.0070% | 8,125 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6692% | 3,389 |
| Return on assets (ROA) | 0.6708% | 3,493 |
| Pretax return on assets | 0.8214% | 3,602 |
| Return on Equity (ROE) | 3.6996% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.6996% | 3,237 |
| Net charge-offs to loans | -0.0062% | 7,550 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1308% | 7,214 |
| Assets per employee ($millions) | 10.6804% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.9989% | 7,912 |
| Net loans and leases to deposits | 35.7133% | 7,905 |
| Net loans and leases to core deposits | 45.3510% | 7,849 |
| Total domestic deposits to total assets | 81.1992% | 5,000 |
| Equity capital to assets | 18.6426% | 487 |
| Core capital (leverage) ratio | 18.4022% | 467 |
| Tier 1 risk-based capital ratio | 18.4689% | 1,881 |
| Total risk-based capital ratio | 18.8335% | 2,077 |
| Memoranda: | ||
| Average total assets | $108,833,330 | 4,915 |
| Average earning assets | $93,665,670 | 5,079 |
| Average equity | $19,731,670 | 3,286 |
| Average total loans | $32,152,670 | 6,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 7,981 |
| Cost of funding earning assets | 1.8770% | 4,758 |
| Net interest margin | 2.1523% | 7,826 |
| Noninterest income to average assets | 0.0291% | 7,933 |
| Noninterest expense to average assets | 1.0232% | 8,165 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6991% | 3,564 |
| Return on assets (ROA) | 0.6991% | 3,754 |
| Pretax return on assets | 0.8849% | 3,770 |
| Return on Equity (ROE) | 3.9100% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.9100% | 3,721 |
| Net charge-offs to loans | -0.0123% | 7,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6260% | 7,258 |
| Assets per employee ($millions) | 11.0090% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,759 |
| Loan loss allowance to noncurrent loans | 9,825.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,649 |
| Noncurrent loans to loans | 0.0123% | 7,531 |
| Net loans and leases to total assets | 29.2197% | 7,932 |
| Net loans and leases to deposits | 35.7081% | 7,949 |
| Net loans and leases to core deposits | 45.2873% | 7,883 |
| Total domestic deposits to total assets | 81.8294% | 4,624 |
| Equity capital to assets | 17.9290% | 610 |
| Core capital (leverage) ratio | 18.1817% | 536 |
| Tier 1 risk-based capital ratio | 17.7717% | 2,107 |
| Total risk-based capital ratio | 18.1256% | 2,312 |
| Memoranda: | ||
| Average total assets | $109,848,000 | 4,911 |
| Average earning assets | $95,898,500 | 5,027 |
| Average equity | $19,642,000 | 3,313 |
| Average total loans | $32,546,500 | 6,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 7,991 |
| Cost of funding earning assets | 2.3613% | 4,889 |
| Net interest margin | 2.2879% | 7,916 |
| Noninterest income to average assets | 0.0246% | 8,010 |
| Noninterest expense to average assets | 0.9649% | 8,214 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8770% | 3,104 |
| Return on assets (ROA) | 0.8812% | 2,930 |
| Pretax return on assets | 1.1634% | 2,795 |
| Return on Equity (ROE) | 4.9779% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.5918% | 3,578 |
| Net charge-offs to loans | -0.0029% | 7,757 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4545% | 7,951 |
| Assets per employee ($millions) | 9.9642% | 261 |
| Cash dividends to net income (ytd only)* | 47.9339% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 4,492 |
| Loan loss allowance to noncurrent loans | 332.2034% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,145 |
| Noncurrent loans to loans | 0.3627% | 6,279 |
| Net loans and leases to total assets | 29.3232% | 8,007 |
| Net loans and leases to deposits | 35.7827% | 8,030 |
| Net loans and leases to core deposits | 45.6476% | 7,971 |
| Total domestic deposits to total assets | 81.9481% | 4,226 |
| Equity capital to assets | 17.8330% | 671 |
| Core capital (leverage) ratio | 17.6665% | 636 |
| Tier 1 risk-based capital ratio | 17.6852% | 2,121 |
| Total risk-based capital ratio | 18.0398% | 2,321 |
| Memoranda: | ||
| Average total assets | $109,854,800 | 4,793 |
| Average earning assets | $100,747,800 | 4,787 |
| Average equity | $19,446,000 | 3,314 |
| Average total loans | $34,481,600 | 6,459 |