Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 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 | 4.8220% | 3,933 |
| Cost of funding earning assets | 0.7032% | 5,746 |
| Net interest margin | 4.1188% | 2,398 |
| Noninterest income to average assets | 1.4564% | 613 |
| Noninterest expense to average assets | 2.3132% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.7199% | 110 |
| Return on assets (ROA) | 2.7199% | 114 |
| Pretax return on assets | 2.8858% | 149 |
| Return on Equity (ROE) | 22.0431% | 217 |
| Retained earnings to average equity (ytd only) | 11.1140% | 613 |
| Net charge-offs to loans | -0.0345% | 6,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4932% | 7,130 |
| Assets per employee ($millions) | 4.8337% | 2,423 |
| Cash dividends to net income (ytd only)* | 49.5807% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 4,060 |
| Loan loss allowance to noncurrent loans | 112.2936% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 4,470 |
| Noncurrent loans to loans | 1.3415% | 4,285 |
| Net loans and leases to total assets | 63.6764% | 3,374 |
| Net loans and leases to deposits | 73.7404% | 3,691 |
| Net loans and leases to core deposits | 73.7404% | 4,492 |
| Total domestic deposits to total assets | 86.3522% | 3,013 |
| Equity capital to assets | 13.1179% | 1,550 |
| Core capital (leverage) ratio | 11.7496% | 1,858 |
| Tier 1 risk-based capital ratio | 17.9123% | 2,284 |
| Total risk-based capital ratio | 19.1661% | 2,249 |
| Memoranda: | ||
| Average total assets | $64,266,750 | 5,960 |
| Average earning assets | $58,397,750 | 5,962 |
| Average equity | $7,929,750 | 5,621 |
| Average total loans | $38,674,750 | 5,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 3,985 |
| Cost of funding earning assets | 0.7262% | 5,799 |
| Net interest margin | 4.0970% | 2,421 |
| Noninterest income to average assets | 1.8813% | 393 |
| Noninterest expense to average assets | 2.2489% | 6,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.1417% | 95 |
| Return on assets (ROA) | 3.1417% | 96 |
| Pretax return on assets | 3.3270% | 121 |
| Return on Equity (ROE) | 25.9925% | 114 |
| Retained earnings to average equity (ytd only) | 18.3251% | 130 |
| Net charge-offs to loans | -0.0631% | 7,068 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3324% | 7,333 |
| Assets per employee ($millions) | 5.0373% | 2,072 |
| Cash dividends to net income (ytd only)* | 29.4985% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,674 |
| Loan loss allowance to noncurrent loans | 96.0876% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,387 |
| Noncurrent loans to loans | 1.6705% | 3,919 |
| Net loans and leases to total assets | 57.4742% | 4,729 |
| Net loans and leases to deposits | 66.0866% | 4,992 |
| Net loans and leases to core deposits | 66.0866% | 5,504 |
| Total domestic deposits to total assets | 86.9680% | 2,757 |
| Equity capital to assets | 12.5708% | 1,743 |
| Core capital (leverage) ratio | 11.6115% | 1,839 |
| Tier 1 risk-based capital ratio | 18.6952% | 1,936 |
| Total risk-based capital ratio | 19.9478% | 1,901 |
| Memoranda: | ||
| Average total assets | $64,743,000 | 5,991 |
| Average earning assets | $58,384,670 | 6,014 |
| Average equity | $7,825,330 | 5,663 |
| Average total loans | $38,024,670 | 5,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 3,973 |
| Cost of funding earning assets | 0.7530% | 5,836 |
| Net interest margin | 4.0650% | 2,407 |
| Noninterest income to average assets | 3.2188% | 203 |
| Noninterest expense to average assets | 2.2432% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.3621% | 61 |
| Return on assets (ROA) | 4.3621% | 63 |
| Pretax return on assets | 4.5983% | 84 |
| Return on Equity (ROE) | 36.8407% | 51 |
| Retained earnings to average equity (ytd only) | 28.9688% | 66 |
| Net charge-offs to loans | -0.1055% | 7,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7884% | 7,479 |
| Assets per employee ($millions) | 4.7895% | 2,439 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 3,306 |
| Loan loss allowance to noncurrent loans | 656.9892% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 6,180 |
| Noncurrent loans to loans | 0.2602% | 6,467 |
| Net loans and leases to total assets | 52.3884% | 5,527 |
| Net loans and leases to deposits | 59.5420% | 5,765 |
| Net loans and leases to core deposits | 59.5420% | 6,134 |
| Total domestic deposits to total assets | 87.9856% | 2,379 |
| Equity capital to assets | 11.6117% | 2,188 |
| Core capital (leverage) ratio | 11.3440% | 1,934 |
| Tier 1 risk-based capital ratio | 18.7944% | 1,870 |
| Total risk-based capital ratio | 20.0487% | 1,824 |
| Memoranda: | ||
| Average total assets | $64,372,000 | 6,053 |
| Average earning assets | $57,367,500 | 6,087 |
| Average equity | $7,622,000 | 5,735 |
| Average total loans | $37,911,500 | 5,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 1,852 |
| Cost of funding earning assets | 0.9919% | 5,730 |
| Net interest margin | 4.6188% | 973 |
| Noninterest income to average assets | 0.6193% | 3,345 |
| Noninterest expense to average assets | 3.0386% | 3,702 |
| Loan and lease loss provision to assets | 0.0826% | 6,324 |
| Net operating income to assets | 1.5094% | 749 |
| Return on assets (ROA) | 1.5094% | 810 |
| Pretax return on assets | 1.5738% | 1,196 |
| Return on Equity (ROE) | 12.8841% | 1,116 |
| Retained earnings to average equity (ytd only) | 10.0648% | 509 |
| Net charge-offs to loans | 0.0505% | 6,292 |
| Credit loss provision to net charge-offs | 238.0952% | 1,220 |
| Earnings coverage of net charge-offs (x) | 47.7619% | 482 |
| Efficiency ratio | 64.7204% | 5,218 |
| Assets per employee ($millions) | 4.4065% | 3,013 |
| Cash dividends to net income (ytd only)* | 21.8818% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 3,997 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 4,088 |
| Noncurrent loans to loans | 1.2873% | 4,561 |
| Net loans and leases to total assets | 63.9996% | 3,874 |
| Net loans and leases to deposits | 73.1731% | 4,335 |
| Net loans and leases to core deposits | 73.1731% | 5,079 |
| Total domestic deposits to total assets | 87.4633% | 2,573 |
| Equity capital to assets | 12.0893% | 1,855 |
| Core capital (leverage) ratio | 11.0274% | 2,139 |
| Tier 1 risk-based capital ratio | 16.4163% | 2,559 |
| Total risk-based capital ratio | 17.6677% | 2,527 |
| Memoranda: | ||
| Average total assets | $60,554,000 | 6,173 |
| Average earning assets | $53,434,000 | 6,240 |
| Average equity | $7,094,000 | 5,999 |
| Average total loans | $41,544,000 | 5,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 1,723 |
| Cost of funding earning assets | 1.0278% | 5,816 |
| Net interest margin | 4.6693% | 908 |
| Noninterest income to average assets | 0.5044% | 4,144 |
| Noninterest expense to average assets | 3.0484% | 3,580 |
| Loan and lease loss provision to assets | 0.1106% | 5,926 |
| Net operating income to assets | 1.3738% | 1,157 |
| Return on assets (ROA) | 1.3738% | 1,240 |
| Pretax return on assets | 1.4357% | 1,784 |
| Return on Equity (ROE) | 11.8232% | 1,553 |
| Retained earnings to average equity (ytd only) | 10.6809% | 649 |
| Net charge-offs to loans | 0.0668% | 5,842 |
| Credit loss provision to net charge-offs | 238.0952% | 1,415 |
| Earnings coverage of net charge-offs (x) | 33.2850% | 807 |
| Efficiency ratio | 66.3457% | 4,785 |
| Assets per employee ($millions) | 4.3009% | 3,255 |
| Cash dividends to net income (ytd only)* | 9.6621% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 4,380 |
| Loan loss allowance to noncurrent loans | 90.5263% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 4,027 |
| Noncurrent loans to loans | 1.5607% | 4,301 |
| Net loans and leases to total assets | 69.7668% | 2,790 |
| Net loans and leases to deposits | 79.7191% | 3,497 |
| Net loans and leases to core deposits | 79.7191% | 4,561 |
| Total domestic deposits to total assets | 87.5158% | 2,252 |
| Equity capital to assets | 12.0790% | 2,107 |
| Core capital (leverage) ratio | 11.2500% | 2,101 |
| Tier 1 risk-based capital ratio | 15.4117% | 3,041 |
| Total risk-based capital ratio | 16.6629% | 3,006 |
| Memoranda: | ||
| Average total assets | $60,269,750 | 6,260 |
| Average earning assets | $52,797,250 | 6,336 |
| Average equity | $7,003,000 | 6,114 |
| Average total loans | $41,909,000 | 5,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7174% | 1,698 |
| Cost of funding earning assets | 1.0444% | 5,948 |
| Net interest margin | 4.6730% | 859 |
| Noninterest income to average assets | 0.5042% | 4,082 |
| Noninterest expense to average assets | 3.0918% | 3,357 |
| Loan and lease loss provision to assets | 0.1659% | 5,226 |
| Net operating income to assets | 1.2639% | 1,394 |
| Return on assets (ROA) | 1.2639% | 1,464 |
| Pretax return on assets | 1.3137% | 2,047 |
| Return on Equity (ROE) | 11.0227% | 1,744 |
| Retained earnings to average equity (ytd only) | 9.2869% | 1,018 |
| Net charge-offs to loans | -0.0336% | 7,374 |
| Credit loss provision to net charge-offs | -714.2857% | 6,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6343% | 4,646 |
| Assets per employee ($millions) | 4.2957% | 3,223 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 4,124 |
| Loan loss allowance to noncurrent loans | 59.8859% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4360% | 2,954 |
| Noncurrent loans to loans | 2.4379% | 3,209 |
| Net loans and leases to total assets | 70.7050% | 2,748 |
| Net loans and leases to deposits | 80.5570% | 3,510 |
| Net loans and leases to core deposits | 80.5570% | 4,619 |
| Total domestic deposits to total assets | 87.7702% | 2,129 |
| Equity capital to assets | 11.8656% | 2,171 |
| Core capital (leverage) ratio | 10.7037% | 2,462 |
| Tier 1 risk-based capital ratio | 14.7850% | 3,268 |
| Total risk-based capital ratio | 16.0382% | 3,237 |
| Memoranda: | ||
| Average total assets | $60,289,000 | 6,291 |
| Average earning assets | $52,471,670 | 6,388 |
| Average equity | $6,913,000 | 6,170 |
| Average total loans | $41,675,330 | 5,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 1,706 |
| Cost of funding earning assets | 1.0695% | 6,044 |
| Net interest margin | 4.6500% | 866 |
| Noninterest income to average assets | 0.5036% | 4,025 |
| Noninterest expense to average assets | 3.2536% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1861% | 1,578 |
| Return on assets (ROA) | 1.1861% | 1,654 |
| Pretax return on assets | 1.2259% | 2,281 |
| Return on Equity (ROE) | 10.5271% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.9985% | 2,132 |
| Net charge-offs to loans | -0.0586% | 7,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6331% | 3,821 |
| Assets per employee ($millions) | 4.3510% | 3,205 |
| Cash dividends to net income (ytd only)* | 33.5196% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,233 |
| Loan loss allowance to noncurrent loans | 80.0830% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2901% | 3,163 |
| Noncurrent loans to loans | 1.7928% | 4,060 |
| Net loans and leases to total assets | 65.2543% | 4,049 |
| Net loans and leases to deposits | 73.7869% | 4,779 |
| Net loans and leases to core deposits | 73.7869% | 5,518 |
| Total domestic deposits to total assets | 88.4362% | 1,832 |
| Equity capital to assets | 11.2683% | 2,522 |
| Core capital (leverage) ratio | 10.6779% | 2,464 |
| Tier 1 risk-based capital ratio | 14.8438% | 3,184 |
| Total risk-based capital ratio | 16.0954% | 3,144 |
| Memoranda: | ||
| Average total assets | $60,363,500 | 6,359 |
| Average earning assets | $51,613,000 | 6,491 |
| Average equity | $6,801,500 | 6,254 |
| Average total loans | $40,937,000 | 6,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7722% | 2,771 |
| Cost of funding earning assets | 1.3621% | 6,084 |
| Net interest margin | 4.4101% | 1,404 |
| Noninterest income to average assets | 0.5859% | 3,743 |
| Noninterest expense to average assets | 4.0739% | 1,266 |
| Loan and lease loss provision to assets | 1.5906% | 1,441 |
| Net operating income to assets | -1.0842% | 6,632 |
| Return on assets (ROA) | -1.0842% | 6,639 |
| Pretax return on assets | -1.1215% | 6,489 |
| Return on Equity (ROE) | -9.7305% | 6,605 |
| Retained earnings to average equity (ytd only) | -14.1005% | 6,824 |
| Net charge-offs to loans | 2.6414% | 852 |
| Credit loss provision to net charge-offs | 89.1720% | 6,032 |
| Earnings coverage of net charge-offs (x) | 0.2630% | 5,853 |
| Efficiency ratio | 89.6749% | 1,731 |
| Assets per employee ($millions) | 4.6010% | 2,764 |
| Cash dividends to net income (ytd only)* | -44.9102% | 7,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,345 |
| Loan loss allowance to noncurrent loans | 79.2531% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.5680% | 2,725 |
| Noncurrent loans to loans | 1.7402% | 4,026 |
| Net loans and leases to total assets | 68.5018% | 3,591 |
| Net loans and leases to deposits | 77.5328% | 4,470 |
| Net loans and leases to core deposits | 81.7531% | 5,935 |
| Total domestic deposits to total assets | 88.3520% | 1,793 |
| Equity capital to assets | 11.2668% | 2,487 |
| Core capital (leverage) ratio | 10.4367% | 2,662 |
| Tier 1 risk-based capital ratio | 14.3678% | 3,279 |
| Total risk-based capital ratio | 15.6186% | 3,231 |
| Memoranda: | ||
| Average total assets | $61,611,400 | 6,287 |
| Average earning assets | $55,281,800 | 6,325 |
| Average equity | $6,865,000 | 6,312 |
| Average total loans | $41,606,600 | 6,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 3,518 |
| Cost of funding earning assets | 1.4308% | 6,120 |
| Net interest margin | 4.2304% | 1,942 |
| Noninterest income to average assets | 0.4726% | 4,727 |
| Noninterest expense to average assets | 4.3419% | 867 |
| Loan and lease loss provision to assets | 1.8906% | 970 |
| Net operating income to assets | -1.9486% | 7,293 |
| Return on assets (ROA) | -1.9486% | 7,294 |
| Pretax return on assets | -1.9486% | 7,153 |
| Return on Equity (ROE) | -17.5350% | 7,292 |
| Retained earnings to average equity (ytd only) | -23.3349% | 7,444 |
| Net charge-offs to loans | 2.9439% | 579 |
| Credit loss provision to net charge-offs | 95.7563% | 5,310 |
| Earnings coverage of net charge-offs (x) | -0.0294% | 6,101 |
| Efficiency ratio | 101.3541% | 1,004 |
| Assets per employee ($millions) | 4.2425% | 3,302 |
| Cash dividends to net income (ytd only)* | -33.0762% | 7,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 3,264 |
| Loan loss allowance to noncurrent loans | 70.5946% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.1013% | 2,211 |
| Noncurrent loans to loans | 2.1709% | 3,418 |
| Net loans and leases to total assets | 70.6406% | 3,350 |
| Net loans and leases to deposits | 80.4067% | 4,320 |
| Net loans and leases to core deposits | 85.1297% | 5,959 |
| Total domestic deposits to total assets | 87.8542% | 1,722 |
| Equity capital to assets | 10.9386% | 3,072 |
| Core capital (leverage) ratio | 9.8435% | 3,461 |
| Tier 1 risk-based capital ratio | 13.5156% | 3,840 |
| Total risk-based capital ratio | 14.7685% | 3,772 |
| Memoranda: | ||
| Average total assets | $62,061,000 | 6,311 |
| Average earning assets | $55,911,250 | 6,338 |
| Average equity | $6,896,500 | 6,355 |
| Average total loans | $41,621,750 | 6,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 4,198 |
| Cost of funding earning assets | 1.4970% | 6,151 |
| Net interest margin | 4.0759% | 2,412 |
| Noninterest income to average assets | 0.4607% | 4,772 |
| Noninterest expense to average assets | 5.4615% | 388 |
| Loan and lease loss provision to assets | 1.5886% | 1,063 |
| Net operating income to assets | -2.9389% | 7,664 |
| Return on assets (ROA) | -2.9389% | 7,661 |
| Pretax return on assets | -2.9389% | 7,559 |
| Return on Equity (ROE) | -26.3170% | 7,651 |
| Retained earnings to average equity (ytd only) | -34.8523% | 7,760 |
| Net charge-offs to loans | 3.3130% | 483 |
| Credit loss provision to net charge-offs | 73.0994% | 5,362 |
| Earnings coverage of net charge-offs (x) | -0.6213% | 6,126 |
| Efficiency ratio | 132.8439% | 501 |
| Assets per employee ($millions) | 4.4426% | 2,852 |
| Cash dividends to net income (ytd only)* | -32.4324% | 7,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,687 |
| Loan loss allowance to noncurrent loans | 51.7312% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.0564% | 2,070 |
| Noncurrent loans to loans | 2.3924% | 3,018 |
| Net loans and leases to total assets | 65.1768% | 4,725 |
| Net loans and leases to deposits | 72.9101% | 5,618 |
| Net loans and leases to core deposits | 78.1591% | 6,536 |
| Total domestic deposits to total assets | 89.3934% | 1,083 |
| Equity capital to assets | 10.1966% | 3,724 |
| Core capital (leverage) ratio | 9.3820% | 4,052 |
| Tier 1 risk-based capital ratio | 13.4249% | 3,855 |
| Total risk-based capital ratio | 14.5675% | 3,853 |
| Memoranda: | ||
| Average total assets | $62,949,670 | 6,334 |
| Average earning assets | $56,380,000 | 6,369 |
| Average equity | $7,029,670 | 6,360 |
| Average total loans | $41,292,330 | 6,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7600% | 3,482 |
| Cost of funding earning assets | 1.5549% | 6,215 |
| Net interest margin | 4.2052% | 1,877 |
| Noninterest income to average assets | 0.4358% | 4,907 |
| Noninterest expense to average assets | 2.2613% | 6,655 |
| Loan and lease loss provision to assets | 1.8950% | 645 |
| Net operating income to assets | 0.0316% | 6,181 |
| Return on assets (ROA) | 0.0316% | 6,335 |
| Pretax return on assets | 0.0379% | 6,306 |
| Return on Equity (ROE) | 0.2712% | 6,346 |
| Retained earnings to average equity (ytd only) | -10.5784% | 7,164 |
| Net charge-offs to loans | 3.3611% | 370 |
| Credit loss provision to net charge-offs | 86.2069% | 4,081 |
| Earnings coverage of net charge-offs (x) | 0.8793% | 4,324 |
| Efficiency ratio | 53.9157% | 7,228 |
| Assets per employee ($millions) | 4.2273% | 3,212 |
| Cash dividends to net income (ytd only)* | 4,000.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 2,486 |
| Loan loss allowance to noncurrent loans | 46.3643% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 5.1743% | 853 |
| Noncurrent loans to loans | 3.4656% | 1,838 |
| Net loans and leases to total assets | 62.1921% | 5,285 |
| Net loans and leases to deposits | 70.6789% | 5,909 |
| Net loans and leases to core deposits | 75.7292% | 6,695 |
| Total domestic deposits to total assets | 87.9924% | 1,750 |
| Equity capital to assets | 11.6196% | 2,506 |
| Core capital (leverage) ratio | 11.4072% | 2,202 |
| Tier 1 risk-based capital ratio | 15.6113% | 2,811 |
| Total risk-based capital ratio | 16.8626% | 2,749 |
| Memoranda: | ||
| Average total assets | $63,326,000 | 6,347 |
| Average earning assets | $56,597,000 | 6,394 |
| Average equity | $7,373,500 | 6,269 |
| Average total loans | $41,415,500 | 6,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7919% | 1,707 |
| Cost of funding earning assets | 2.2559% | 5,347 |
| Net interest margin | 4.5361% | 1,339 |
| Noninterest income to average assets | 0.5397% | 4,324 |
| Noninterest expense to average assets | 2.3389% | 6,592 |
| Loan and lease loss provision to assets | 1.2851% | 1,107 |
| Net operating income to assets | 1.0618% | 2,301 |
| Return on assets (ROA) | 1.0618% | 2,206 |
| Pretax return on assets | 1.1116% | 2,988 |
| Return on Equity (ROE) | 8.7240% | 2,744 |
| Retained earnings to average equity (ytd only) | -7.1138% | 6,796 |
| Net charge-offs to loans | 2.0769% | 514 |
| Credit loss provision to net charge-offs | 89.6861% | 5,689 |
| Earnings coverage of net charge-offs (x) | 1.6726% | 5,251 |
| Efficiency ratio | 49.3894% | 7,702 |
| Assets per employee ($millions) | 4.2161% | 3,083 |
| Cash dividends to net income (ytd only)* | 181.5431% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 2,156 |
| Loan loss allowance to noncurrent loans | 49.0793% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 4.4859% | 841 |
| Noncurrent loans to loans | 3.3028% | 1,567 |
| Net loans and leases to total assets | 66.5033% | 4,754 |
| Net loans and leases to deposits | 75.6167% | 5,634 |
| Net loans and leases to core deposits | 79.7232% | 6,636 |
| Total domestic deposits to total assets | 87.9479% | 1,489 |
| Equity capital to assets | 11.6679% | 2,519 |
| Core capital (leverage) ratio | 11.6338% | 2,170 |
| Tier 1 risk-based capital ratio | 15.3452% | 2,905 |
| Total risk-based capital ratio | 16.5973% | 2,836 |
| Memoranda: | ||
| Average total assets | $62,251,400 | 6,309 |
| Average earning assets | $57,583,000 | 6,277 |
| Average equity | $7,576,800 | 6,247 |
| Average total loans | $42,949,200 | 6,027 |