Home > Peoples State Bank of Bloomer > Performance and Condition Ratios
Peoples State Bank of Bloomer, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8287% | 6,624 |
| Cost of funding earning assets | 0.0769% | 6,530 |
| Net interest margin | 0.7519% | 6,625 |
| Noninterest income to average assets | 0.1498% | 6,057 |
| Noninterest expense to average assets | 0.4409% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3996% | 5,222 |
| Return on assets (ROA) | 0.4134% | 5,243 |
| Pretax return on assets | 0.4134% | 5,518 |
| Return on Equity (ROE) | 3.3516% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.3516% | 4,067 |
| Net charge-offs to loans | -0.0037% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4590% | 6,035 |
| Assets per employee ($millions) | 5.2981% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 3,721 |
| Noncurrent loans to loans | 1.7088% | 2,022 |
| Net loans and leases to total assets | 43.8305% | 5,545 |
| Net loans and leases to deposits | 50.6584% | 5,584 |
| Net loans and leases to core deposits | 53.3161% | 5,594 |
| Total domestic deposits to total assets | 86.5217% | 2,747 |
| Equity capital to assets | 13.1703% | 1,280 |
| Core capital (leverage) ratio | 9.8842% | 3,768 |
| Tier 1 risk-based capital ratio | 18.7883% | 1,976 |
| Total risk-based capital ratio | 18.7901% | 2,374 |
| Memoranda: | ||
| Average total assets | $116,123,670 | 4,327 |
| Average earning assets | $106,670,000 | 4,309 |
| Average equity | $14,321,670 | 3,981 |
| Average total loans | $53,537,330 | 4,765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 4,992 |
| Cost of funding earning assets | 0.3633% | 4,405 |
| Net interest margin | 3.2922% | 4,574 |
| Noninterest income to average assets | 0.5073% | 3,350 |
| Noninterest expense to average assets | 2.8920% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8662% | 2,819 |
| Return on assets (ROA) | 0.8662% | 2,885 |
| Pretax return on assets | 0.6799% | 4,553 |
| Return on Equity (ROE) | 7.2717% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.2717% | 1,916 |
| Net charge-offs to loans | -0.0146% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9662% | 2,055 |
| Assets per employee ($millions) | 4.9851% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 2,307 |
| Loan loss allowance to noncurrent loans | 153.0478% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 4,556 |
| Noncurrent loans to loans | 1.1197% | 3,186 |
| Net loans and leases to total assets | 46.4712% | 5,278 |
| Net loans and leases to deposits | 53.2245% | 5,357 |
| Net loans and leases to core deposits | 56.3597% | 5,330 |
| Total domestic deposits to total assets | 87.3118% | 2,626 |
| Equity capital to assets | 12.2425% | 1,721 |
| Core capital (leverage) ratio | 11.9944% | 1,656 |
| Tier 1 risk-based capital ratio | 22.3014% | 1,245 |
| Total risk-based capital ratio | 23.5544% | 1,220 |
| Memoranda: | ||
| Average total assets | $115,906,500 | 4,368 |
| Average earning assets | $107,890,000 | 4,319 |
| Average equity | $13,807,000 | 4,085 |
| Average total loans | $54,762,000 | 4,764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 5,203 |
| Cost of funding earning assets | 0.4144% | 4,487 |
| Net interest margin | 3.2627% | 4,795 |
| Noninterest income to average assets | 0.5877% | 3,167 |
| Noninterest expense to average assets | 2.6281% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7896% | 3,346 |
| Return on assets (ROA) | 0.7896% | 3,450 |
| Pretax return on assets | 1.0035% | 3,335 |
| Return on Equity (ROE) | 6.5516% | 3,799 |
| Retained earnings to average equity (ytd only) | -0.3850% | 5,947 |
| Net charge-offs to loans | -0.0092% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3681% | 3,404 |
| Assets per employee ($millions) | 4.8815% | 2,334 |
| Cash dividends to net income (ytd only)* | 105.8760% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 2,478 |
| Loan loss allowance to noncurrent loans | 143.7209% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 4,578 |
| Noncurrent loans to loans | 1.1661% | 3,208 |
| Net loans and leases to total assets | 46.4214% | 5,454 |
| Net loans and leases to deposits | 52.7641% | 5,566 |
| Net loans and leases to core deposits | 56.1388% | 5,524 |
| Total domestic deposits to total assets | 87.9792% | 2,187 |
| Equity capital to assets | 11.5889% | 2,107 |
| Core capital (leverage) ratio | 11.6980% | 1,830 |
| Tier 1 risk-based capital ratio | 21.5216% | 1,337 |
| Total risk-based capital ratio | 22.7736% | 1,315 |
| Memoranda: | ||
| Average total assets | $116,394,200 | 4,352 |
| Average earning assets | $108,591,200 | 4,294 |
| Average equity | $14,027,200 | 4,066 |
| Average total loans | $54,407,600 | 4,801 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 5,349 |
| Cost of funding earning assets | 0.4260% | 4,541 |
| Net interest margin | 3.2067% | 4,976 |
| Noninterest income to average assets | 0.6047% | 3,121 |
| Noninterest expense to average assets | 2.6757% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7309% | 3,695 |
| Return on assets (ROA) | 0.7309% | 3,823 |
| Pretax return on assets | 0.9259% | 3,776 |
| Return on Equity (ROE) | 6.0065% | 4,183 |
| Retained earnings to average equity (ytd only) | -0.9147% | 6,123 |
| Net charge-offs to loans | 0.0074% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 268.9925% | 221 |
| Efficiency ratio | 74.2912% | 3,015 |
| Assets per employee ($millions) | 4.8119% | 2,423 |
| Cash dividends to net income (ytd only)* | 115.2277% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 2,708 |
| Loan loss allowance to noncurrent loans | 123.0254% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 4,495 |
| Noncurrent loans to loans | 1.3620% | 3,136 |
| Net loans and leases to total assets | 46.6944% | 5,471 |
| Net loans and leases to deposits | 53.1443% | 5,620 |
| Net loans and leases to core deposits | 55.4265% | 5,670 |
| Total domestic deposits to total assets | 87.8634% | 2,215 |
| Equity capital to assets | 11.6656% | 2,156 |
| Core capital (leverage) ratio | 11.8094% | 1,809 |
| Tier 1 risk-based capital ratio | 21.4829% | 1,403 |
| Total risk-based capital ratio | 22.7350% | 1,377 |
| Memoranda: | ||
| Average total assets | $116,204,000 | 4,407 |
| Average earning assets | $108,602,500 | 4,342 |
| Average equity | $14,139,750 | 4,086 |
| Average total loans | $54,181,500 | 4,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 5,329 |
| Cost of funding earning assets | 0.4363% | 4,590 |
| Net interest margin | 3.2014% | 4,942 |
| Noninterest income to average assets | 0.6235% | 3,056 |
| Noninterest expense to average assets | 2.5815% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8416% | 3,089 |
| Return on assets (ROA) | 0.8416% | 3,247 |
| Pretax return on assets | 1.0288% | 3,381 |
| Return on Equity (ROE) | 6.8234% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.8295% | 3,862 |
| Net charge-offs to loans | 0.0148% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 149.7500% | 328 |
| Efficiency ratio | 71.5033% | 3,555 |
| Assets per employee ($millions) | 4.5895% | 2,664 |
| Cash dividends to net income (ytd only)* | 43.8776% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,665 |
| Loan loss allowance to noncurrent loans | 114.8936% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 4,295 |
| Noncurrent loans to loans | 1.5063% | 3,041 |
| Net loans and leases to total assets | 45.4296% | 5,596 |
| Net loans and leases to deposits | 52.1031% | 5,682 |
| Net loans and leases to core deposits | 54.6779% | 5,698 |
| Total domestic deposits to total assets | 87.1917% | 2,713 |
| Equity capital to assets | 12.1451% | 1,813 |
| Core capital (leverage) ratio | 11.8994% | 1,672 |
| Tier 1 risk-based capital ratio | 22.7644% | 1,172 |
| Total risk-based capital ratio | 24.0167% | 1,150 |
| Memoranda: | ||
| Average total assets | $116,443,670 | 4,433 |
| Average earning assets | $108,640,000 | 4,371 |
| Average equity | $14,362,330 | 4,075 |
| Average total loans | $53,960,670 | 4,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 5,129 |
| Cost of funding earning assets | 0.4483% | 4,613 |
| Net interest margin | 3.2617% | 4,674 |
| Noninterest income to average assets | 0.5661% | 3,337 |
| Noninterest expense to average assets | 2.6804% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7843% | 3,250 |
| Return on assets (ROA) | 0.7843% | 3,381 |
| Pretax return on assets | 0.9378% | 3,622 |
| Return on Equity (ROE) | 6.3117% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.3117% | 2,502 |
| Net charge-offs to loans | -0.0221% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0811% | 3,252 |
| Assets per employee ($millions) | 5.3035% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,979 |
| Loan loss allowance to noncurrent loans | 124.1611% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 4,520 |
| Noncurrent loans to loans | 1.3747% | 3,505 |
| Net loans and leases to total assets | 45.6534% | 5,472 |
| Net loans and leases to deposits | 52.4855% | 5,576 |
| Net loans and leases to core deposits | 55.5379% | 5,554 |
| Total domestic deposits to total assets | 86.9829% | 2,969 |
| Equity capital to assets | 12.5157% | 1,703 |
| Core capital (leverage) ratio | 11.8640% | 1,649 |
| Tier 1 risk-based capital ratio | 22.2054% | 1,292 |
| Total risk-based capital ratio | 23.4581% | 1,267 |
| Memoranda: | ||
| Average total assets | $117,296,500 | 4,456 |
| Average earning assets | $109,757,500 | 4,377 |
| Average equity | $14,576,000 | 4,078 |
| Average total loans | $54,419,500 | 4,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 4,882 |
| Cost of funding earning assets | 0.5430% | 4,876 |
| Net interest margin | 3.5774% | 4,195 |
| Noninterest income to average assets | 0.5970% | 3,295 |
| Noninterest expense to average assets | 2.6157% | 4,691 |
| Loan and lease loss provision to assets | -0.2166% | 6,986 |
| Net operating income to assets | 1.1447% | 1,788 |
| Return on assets (ROA) | 1.1402% | 1,974 |
| Pretax return on assets | 1.5483% | 1,522 |
| Return on Equity (ROE) | 9.2464% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.1150% | 2,628 |
| Net charge-offs to loans | 0.0950% | 4,718 |
| Credit loss provision to net charge-offs | -462.9630% | 6,510 |
| Earnings coverage of net charge-offs (x) | 28.5926% | 1,038 |
| Efficiency ratio | 66.1626% | 4,467 |
| Assets per employee ($millions) | 4.9132% | 2,340 |
| Cash dividends to net income (ytd only)* | 44.6809% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 2,979 |
| Loan loss allowance to noncurrent loans | 130.7801% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 4,744 |
| Noncurrent loans to loans | 1.2901% | 3,681 |
| Net loans and leases to total assets | 45.5621% | 5,663 |
| Net loans and leases to deposits | 52.4448% | 5,772 |
| Net loans and leases to core deposits | 55.3210% | 5,769 |
| Total domestic deposits to total assets | 86.8763% | 2,897 |
| Equity capital to assets | 12.3384% | 1,834 |
| Core capital (leverage) ratio | 11.6514% | 1,766 |
| Tier 1 risk-based capital ratio | 22.1370% | 1,239 |
| Total risk-based capital ratio | 23.3906% | 1,207 |
| Memoranda: | ||
| Average total assets | $115,420,000 | 4,454 |
| Average earning assets | $108,291,400 | 4,388 |
| Average equity | $14,232,600 | 4,114 |
| Average total loans | $56,819,200 | 4,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 4,825 |
| Cost of funding earning assets | 0.5724% | 4,890 |
| Net interest margin | 3.6251% | 4,128 |
| Noninterest income to average assets | 0.5494% | 3,619 |
| Noninterest expense to average assets | 2.5227% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0560% | 2,266 |
| Return on assets (ROA) | 1.0499% | 2,503 |
| Pretax return on assets | 1.4239% | 2,163 |
| Return on Equity (ROE) | 8.5159% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.0950% | 2,636 |
| Net charge-offs to loans | 0.0209% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 136.9967% | 325 |
| Efficiency ratio | 63.7885% | 4,842 |
| Assets per employee ($millions) | 4.7773% | 2,494 |
| Cash dividends to net income (ytd only)* | 28.4294% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 1,923 |
| Loan loss allowance to noncurrent loans | 147.6942% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 4,703 |
| Noncurrent loans to loans | 1.4171% | 3,676 |
| Net loans and leases to total assets | 49.6537% | 5,354 |
| Net loans and leases to deposits | 57.4250% | 5,492 |
| Net loans and leases to core deposits | 61.1927% | 5,436 |
| Total domestic deposits to total assets | 86.4671% | 3,004 |
| Equity capital to assets | 12.7305% | 1,750 |
| Core capital (leverage) ratio | 11.7271% | 1,826 |
| Tier 1 risk-based capital ratio | 21.3189% | 1,450 |
| Total risk-based capital ratio | 22.5771% | 1,420 |
| Memoranda: | ||
| Average total assets | $114,796,000 | 4,517 |
| Average earning assets | $107,838,250 | 4,442 |
| Average equity | $14,153,500 | 4,171 |
| Average total loans | $57,362,250 | 4,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 4,994 |
| Cost of funding earning assets | 0.6051% | 4,859 |
| Net interest margin | 3.5825% | 4,338 |
| Noninterest income to average assets | 0.5207% | 3,783 |
| Noninterest expense to average assets | 2.5043% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0033% | 2,449 |
| Return on assets (ROA) | 0.9944% | 2,716 |
| Pretax return on assets | 1.3653% | 2,334 |
| Return on Equity (ROE) | 8.1536% | 3,189 |
| Retained earnings to average equity (ytd only) | 4.7408% | 3,453 |
| Net charge-offs to loans | -0.0315% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5132% | 4,798 |
| Assets per employee ($millions) | 4.8190% | 2,410 |
| Cash dividends to net income (ytd only)* | 41.8564% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 2,052 |
| Loan loss allowance to noncurrent loans | 123.6236% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8638% | 4,647 |
| Noncurrent loans to loans | 1.6772% | 3,381 |
| Net loans and leases to total assets | 50.4323% | 5,298 |
| Net loans and leases to deposits | 58.9696% | 5,347 |
| Net loans and leases to core deposits | 62.8528% | 5,317 |
| Total domestic deposits to total assets | 85.5226% | 3,592 |
| Equity capital to assets | 12.2657% | 1,956 |
| Core capital (leverage) ratio | 11.7092% | 1,780 |
| Tier 1 risk-based capital ratio | 20.4302% | 1,599 |
| Total risk-based capital ratio | 21.6876% | 1,568 |
| Memoranda: | ||
| Average total assets | $114,843,330 | 4,535 |
| Average earning assets | $107,747,000 | 4,466 |
| Average equity | $14,006,000 | 4,193 |
| Average total loans | $57,100,670 | 4,911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 4,985 |
| Cost of funding earning assets | 0.6650% | 4,579 |
| Net interest margin | 3.5677% | 4,404 |
| Noninterest income to average assets | 0.5068% | 3,866 |
| Noninterest expense to average assets | 2.4468% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0588% | 2,257 |
| Return on assets (ROA) | 1.0137% | 2,618 |
| Pretax return on assets | 1.3387% | 2,394 |
| Return on Equity (ROE) | 8.3357% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.9046% | 2,026 |
| Net charge-offs to loans | -0.0430% | 6,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 4,995 |
| Assets per employee ($millions) | 4.7539% | 2,585 |
| Cash dividends to net income (ytd only)* | 5.1724% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,869 |
| Loan loss allowance to noncurrent loans | 111.3924% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 4,201 |
| Noncurrent loans to loans | 1.9800% | 3,187 |
| Net loans and leases to total assets | 47.8781% | 5,573 |
| Net loans and leases to deposits | 55.0222% | 5,704 |
| Net loans and leases to core deposits | 59.0692% | 5,619 |
| Total domestic deposits to total assets | 87.0160% | 2,949 |
| Equity capital to assets | 12.2986% | 1,854 |
| Core capital (leverage) ratio | 11.4799% | 1,905 |
| Tier 1 risk-based capital ratio | 21.6379% | 1,350 |
| Total risk-based capital ratio | 22.8982% | 1,326 |
| Memoranda: | ||
| Average total assets | $114,437,000 | 4,585 |
| Average earning assets | $107,071,500 | 4,510 |
| Average equity | $13,916,000 | 4,218 |
| Average total loans | $55,869,500 | 4,985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 3,697 |
| Cost of funding earning assets | 0.7682% | 5,074 |
| Net interest margin | 4.0544% | 2,618 |
| Noninterest income to average assets | 0.1595% | 6,348 |
| Noninterest expense to average assets | 2.5833% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9955% | 2,217 |
| Return on assets (ROA) | 1.0979% | 1,958 |
| Pretax return on assets | 1.5359% | 1,380 |
| Return on Equity (ROE) | 8.9896% | 2,454 |
| Retained earnings to average equity (ytd only) | 0.1255% | 5,777 |
| Net charge-offs to loans | 0.5540% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.7654% | 2,982 |
| Efficiency ratio | 64.9887% | 4,953 |
| Assets per employee ($millions) | 4.5912% | 2,769 |
| Cash dividends to net income (ytd only)* | 98.6043% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,806 |
| Loan loss allowance to noncurrent loans | 110.6498% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 4,197 |
| Noncurrent loans to loans | 1.9828% | 3,232 |
| Net loans and leases to total assets | 47.6172% | 5,866 |
| Net loans and leases to deposits | 55.0248% | 5,977 |
| Net loans and leases to core deposits | 59.0616% | 5,928 |
| Total domestic deposits to total assets | 86.5377% | 3,016 |
| Equity capital to assets | 12.0230% | 2,108 |
| Core capital (leverage) ratio | 11.4634% | 1,922 |
| Tier 1 risk-based capital ratio | 20.7886% | 1,461 |
| Total risk-based capital ratio | 22.0477% | 1,434 |
| Memoranda: | ||
| Average total assets | $110,942,000 | 4,619 |
| Average earning assets | $104,405,600 | 4,535 |
| Average equity | $13,549,000 | 4,227 |
| Average total loans | $58,484,000 | 4,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 3,053 |
| Cost of funding earning assets | 0.8010% | 5,141 |
| Net interest margin | 4.2055% | 2,075 |
| Noninterest income to average assets | 0.1043% | 6,731 |
| Noninterest expense to average assets | 2.5640% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0632% | 2,096 |
| Return on assets (ROA) | 1.1989% | 1,769 |
| Pretax return on assets | 1.7057% | 1,136 |
| Return on Equity (ROE) | 9.7776% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,469 |
| Net charge-offs to loans | 0.7147% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.9337% | 3,239 |
| Efficiency ratio | 62.9090% | 5,258 |
| Assets per employee ($millions) | 4.4646% | 2,982 |
| Cash dividends to net income (ytd only)* | 37.2091% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 1,856 |
| Loan loss allowance to noncurrent loans | 116.4306% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4228% | 3,993 |
| Noncurrent loans to loans | 1.8909% | 3,515 |
| Net loans and leases to total assets | 49.0727% | 5,829 |
| Net loans and leases to deposits | 56.6939% | 5,960 |
| Net loans and leases to core deposits | 61.1677% | 5,893 |
| Total domestic deposits to total assets | 86.5572% | 2,904 |
| Equity capital to assets | 12.7466% | 1,758 |
| Core capital (leverage) ratio | 12.3019% | 1,534 |
| Tier 1 risk-based capital ratio | 22.0583% | 1,278 |
| Total risk-based capital ratio | 23.3183% | 1,251 |
| Memoranda: | ||
| Average total assets | $109,982,500 | 4,675 |
| Average earning assets | $103,862,000 | 4,578 |
| Average equity | $13,486,250 | 4,245 |
| Average total loans | $59,134,750 | 4,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 3,150 |
| Cost of funding earning assets | 0.8306% | 5,189 |
| Net interest margin | 4.1704% | 2,160 |
| Noninterest income to average assets | 0.2796% | 5,647 |
| Noninterest expense to average assets | 2.9313% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9200% | 2,557 |
| Return on assets (ROA) | 1.1276% | 1,872 |
| Pretax return on assets | 1.5863% | 1,283 |
| Return on Equity (ROE) | 9.3207% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.2902% | 3,469 |
| Net charge-offs to loans | 0.3922% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,493 |
| Efficiency ratio | 69.3772% | 4,245 |
| Assets per employee ($millions) | 4.7548% | 2,471 |
| Cash dividends to net income (ytd only)* | 53.9708% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 1,527 |
| Loan loss allowance to noncurrent loans | 82.1101% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 3,042 |
| Noncurrent loans to loans | 2.9815% | 2,435 |
| Net loans and leases to total assets | 52.1790% | 5,548 |
| Net loans and leases to deposits | 60.4692% | 5,680 |
| Net loans and leases to core deposits | 63.7319% | 5,753 |
| Total domestic deposits to total assets | 86.2902% | 3,161 |
| Equity capital to assets | 12.3747% | 1,859 |
| Core capital (leverage) ratio | 12.0801% | 1,565 |
| Tier 1 risk-based capital ratio | 21.0028% | 1,419 |
| Total risk-based capital ratio | 22.2618% | 1,396 |
| Memoranda: | ||
| Average total assets | $109,438,670 | 4,713 |
| Average earning assets | $103,539,000 | 4,613 |
| Average equity | $13,239,330 | 4,288 |
| Average total loans | $60,178,000 | 4,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 3,361 |
| Cost of funding earning assets | 0.8408% | 5,327 |
| Net interest margin | 4.1010% | 2,265 |
| Noninterest income to average assets | 0.2521% | 5,885 |
| Noninterest expense to average assets | 2.6307% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1034% | 1,834 |
| Return on assets (ROA) | 1.1034% | 1,881 |
| Pretax return on assets | 1.5419% | 1,319 |
| Return on Equity (ROE) | 9.2267% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.8213% | 1,802 |
| Net charge-offs to loans | 0.0983% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 28.1333% | 871 |
| Efficiency ratio | 63.0473% | 5,518 |
| Assets per employee ($millions) | 4.3974% | 3,042 |
| Cash dividends to net income (ytd only)* | 15.2318% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5992% | 1,314 |
| Loan loss allowance to noncurrent loans | 74.4062% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 2,914 |
| Noncurrent loans to loans | 3.4932% | 2,133 |
| Net loans and leases to total assets | 52.3236% | 5,536 |
| Net loans and leases to deposits | 59.7569% | 5,747 |
| Net loans and leases to core deposits | 62.9116% | 5,837 |
| Total domestic deposits to total assets | 87.5608% | 2,631 |
| Equity capital to assets | 12.1008% | 1,859 |
| Core capital (leverage) ratio | 12.1710% | 1,468 |
| Tier 1 risk-based capital ratio | 21.6219% | 1,300 |
| Total risk-based capital ratio | 22.8881% | 1,272 |
| Memoranda: | ||
| Average total assets | $109,478,000 | 4,745 |
| Average earning assets | $104,657,500 | 4,621 |
| Average equity | $13,092,500 | 4,314 |
| Average total loans | $61,019,500 | 4,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 2,446 |
| Cost of funding earning assets | 1.0803% | 5,253 |
| Net interest margin | 4.3771% | 1,566 |
| Noninterest income to average assets | 0.2698% | 5,856 |
| Noninterest expense to average assets | 2.7344% | 4,830 |
| Loan and lease loss provision to assets | 0.0927% | 6,213 |
| Net operating income to assets | 1.1474% | 1,548 |
| Return on assets (ROA) | 1.2175% | 1,447 |
| Pretax return on assets | 1.6802% | 976 |
| Return on Equity (ROE) | 10.2265% | 1,846 |
| Retained earnings to average equity (ytd only) | 5.7013% | 1,988 |
| Net charge-offs to loans | 0.1008% | 5,856 |
| Credit loss provision to net charge-offs | 153.8462% | 2,306 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 785 |
| Efficiency ratio | 62.0059% | 5,730 |
| Assets per employee ($millions) | 4.3608% | 3,099 |
| Cash dividends to net income (ytd only)* | 44.2498% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4610% | 1,458 |
| Loan loss allowance to noncurrent loans | 78.3620% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 2,999 |
| Noncurrent loans to loans | 3.1406% | 2,426 |
| Net loans and leases to total assets | 56.3488% | 5,286 |
| Net loans and leases to deposits | 64.2124% | 5,602 |
| Net loans and leases to core deposits | 67.6117% | 5,695 |
| Total domestic deposits to total assets | 87.7537% | 2,393 |
| Equity capital to assets | 11.8161% | 2,030 |
| Core capital (leverage) ratio | 11.8628% | 1,641 |
| Tier 1 risk-based capital ratio | 20.4040% | 1,417 |
| Total risk-based capital ratio | 21.6684% | 1,395 |
| Memoranda: | ||
| Average total assets | $107,847,400 | 4,778 |
| Average earning assets | $102,008,800 | 4,673 |
| Average equity | $12,839,200 | 4,391 |
| Average total loans | $64,498,600 | 4,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 2,319 |
| Cost of funding earning assets | 1.1260% | 5,278 |
| Net interest margin | 4.4069% | 1,505 |
| Noninterest income to average assets | 0.2690% | 5,967 |
| Noninterest expense to average assets | 2.6442% | 5,139 |
| Loan and lease loss provision to assets | 0.1240% | 5,791 |
| Net operating income to assets | 1.2141% | 1,557 |
| Return on assets (ROA) | 1.3091% | 1,388 |
| Pretax return on assets | 1.7888% | 946 |
| Return on Equity (ROE) | 10.9753% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.1379% | 1,375 |
| Net charge-offs to loans | 0.0904% | 5,620 |
| Credit loss provision to net charge-offs | 227.2727% | 1,512 |
| Earnings coverage of net charge-offs (x) | 32.6792% | 824 |
| Efficiency ratio | 59.7312% | 5,993 |
| Assets per employee ($millions) | 4.4826% | 2,937 |
| Cash dividends to net income (ytd only)* | 25.8523% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4442% | 1,406 |
| Loan loss allowance to noncurrent loans | 85.6131% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.6603% | 2,716 |
| Noncurrent loans to loans | 2.8549% | 2,795 |
| Net loans and leases to total assets | 58.2843% | 5,214 |
| Net loans and leases to deposits | 66.9114% | 5,558 |
| Net loans and leases to core deposits | 70.3480% | 5,710 |
| Total domestic deposits to total assets | 87.1067% | 2,467 |
| Equity capital to assets | 12.4490% | 1,881 |
| Core capital (leverage) ratio | 11.9653% | 1,686 |
| Tier 1 risk-based capital ratio | 19.7125% | 1,600 |
| Total risk-based capital ratio | 20.9765% | 1,567 |
| Memoranda: | ||
| Average total assets | $107,554,000 | 4,845 |
| Average earning assets | $101,475,750 | 4,747 |
| Average equity | $12,828,500 | 4,471 |
| Average total loans | $64,877,750 | 4,950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 2,458 |
| Cost of funding earning assets | 1.1671% | 5,304 |
| Net interest margin | 4.3484% | 1,598 |
| Noninterest income to average assets | 0.2436% | 6,167 |
| Noninterest expense to average assets | 2.7263% | 4,804 |
| Loan and lease loss provision to assets | 0.1860% | 5,011 |
| Net operating income to assets | 1.0693% | 1,948 |
| Return on assets (ROA) | 1.0693% | 2,023 |
| Pretax return on assets | 1.4264% | 1,763 |
| Return on Equity (ROE) | 9.0979% | 2,425 |
| Retained earnings to average equity (ytd only) | 5.2056% | 2,769 |
| Net charge-offs to loans | 0.1199% | 4,980 |
| Credit loss provision to net charge-offs | 256.4103% | 1,485 |
| Earnings coverage of net charge-offs (x) | 22.2308% | 1,141 |
| Efficiency ratio | 62.8375% | 5,549 |
| Assets per employee ($millions) | 4.6488% | 2,650 |
| Cash dividends to net income (ytd only)* | 42.7826% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 1,341 |
| Loan loss allowance to noncurrent loans | 72.9968% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 3.2145% | 2,201 |
| Noncurrent loans to loans | 3.3798% | 2,362 |
| Net loans and leases to total assets | 58.2705% | 5,372 |
| Net loans and leases to deposits | 66.7438% | 5,718 |
| Net loans and leases to core deposits | 69.9958% | 5,869 |
| Total domestic deposits to total assets | 87.3048% | 2,375 |
| Equity capital to assets | 12.0434% | 2,075 |
| Core capital (leverage) ratio | 11.6230% | 1,848 |
| Tier 1 risk-based capital ratio | 18.8222% | 1,760 |
| Total risk-based capital ratio | 20.0864% | 1,730 |
| Memoranda: | ||
| Average total assets | $107,544,330 | 4,875 |
| Average earning assets | $101,279,330 | 4,769 |
| Average equity | $12,640,330 | 4,515 |
| Average total loans | $65,078,670 | 4,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 2,459 |
| Cost of funding earning assets | 1.2200% | 5,282 |
| Net interest margin | 4.3095% | 1,659 |
| Noninterest income to average assets | 0.2522% | 6,135 |
| Noninterest expense to average assets | 2.6777% | 5,013 |
| Loan and lease loss provision to assets | 0.2781% | 3,803 |
| Net operating income to assets | 0.9865% | 2,233 |
| Return on assets (ROA) | 0.9865% | 2,293 |
| Pretax return on assets | 1.3574% | 1,884 |
| Return on Equity (ROE) | 8.4970% | 2,665 |
| Retained earnings to average equity (ytd only) | 7.7943% | 1,794 |
| Net charge-offs to loans | 0.2923% | 3,244 |
| Credit loss provision to net charge-offs | 156.2500% | 2,287 |
| Earnings coverage of net charge-offs (x) | 9.1875% | 1,886 |
| Efficiency ratio | 62.0808% | 5,816 |
| Assets per employee ($millions) | 4.8589% | 2,426 |
| Cash dividends to net income (ytd only)* | 8.2707% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3555% | 1,483 |
| Loan loss allowance to noncurrent loans | 79.7724% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.7990% | 2,599 |
| Noncurrent loans to loans | 2.9527% | 2,723 |
| Net loans and leases to total assets | 59.7992% | 5,151 |
| Net loans and leases to deposits | 68.1249% | 5,573 |
| Net loans and leases to core deposits | 71.2242% | 5,802 |
| Total domestic deposits to total assets | 87.7788% | 2,194 |
| Equity capital to assets | 11.8274% | 2,145 |
| Core capital (leverage) ratio | 11.4862% | 1,916 |
| Tier 1 risk-based capital ratio | 18.6339% | 1,804 |
| Total risk-based capital ratio | 19.8536% | 1,778 |
| Memoranda: | ||
| Average total assets | $107,855,500 | 4,930 |
| Average earning assets | $101,637,000 | 4,828 |
| Average equity | $12,522,000 | 4,584 |
| Average total loans | $65,678,000 | 5,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8218% | 2,569 |
| Cost of funding earning assets | 1.5445% | 5,314 |
| Net interest margin | 4.2774% | 1,790 |
| Noninterest income to average assets | 0.2353% | 6,420 |
| Noninterest expense to average assets | 2.7285% | 5,255 |
| Loan and lease loss provision to assets | 1.0758% | 2,131 |
| Net operating income to assets | 0.3800% | 4,206 |
| Return on assets (ROA) | 0.3800% | 4,307 |
| Pretax return on assets | 0.4908% | 4,209 |
| Return on Equity (ROE) | 3.3255% | 4,371 |
| Retained earnings to average equity (ytd only) | 0.6411% | 4,546 |
| Net charge-offs to loans | 1.1159% | 2,196 |
| Credit loss provision to net charge-offs | 152.0052% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.2135% | 4,061 |
| Efficiency ratio | 63.5259% | 5,860 |
| Assets per employee ($millions) | 4.7311% | 2,570 |
| Cash dividends to net income (ytd only)* | 80.7229% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,488 |
| Loan loss allowance to noncurrent loans | 101.0007% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 3,145 |
| Noncurrent loans to loans | 2.2750% | 3,312 |
| Net loans and leases to total assets | 59.1619% | 5,469 |
| Net loans and leases to deposits | 67.0922% | 5,935 |
| Net loans and leases to core deposits | 79.8910% | 6,110 |
| Total domestic deposits to total assets | 88.1799% | 1,891 |
| Equity capital to assets | 11.3964% | 2,397 |
| Core capital (leverage) ratio | 11.1084% | 2,173 |
| Tier 1 risk-based capital ratio | 17.9834% | 1,903 |
| Total risk-based capital ratio | 19.2460% | 1,861 |
| Memoranda: | ||
| Average total assets | $109,219,400 | 4,841 |
| Average earning assets | $103,661,400 | 4,734 |
| Average equity | $12,479,200 | 4,638 |
| Average total loans | $69,271,800 | 4,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8200% | 2,799 |
| Cost of funding earning assets | 1.6093% | 5,358 |
| Net interest margin | 4.2107% | 2,012 |
| Noninterest income to average assets | 0.2329% | 6,558 |
| Noninterest expense to average assets | 2.7381% | 5,155 |
| Loan and lease loss provision to assets | 0.5488% | 3,191 |
| Net operating income to assets | 0.7184% | 3,141 |
| Return on assets (ROA) | 0.7184% | 3,210 |
| Pretax return on assets | 0.9574% | 3,036 |
| Return on Equity (ROE) | 6.2831% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.7498% | 2,081 |
| Net charge-offs to loans | 0.9413% | 2,092 |
| Credit loss provision to net charge-offs | 90.9091% | 5,453 |
| Earnings coverage of net charge-offs (x) | 2.4950% | 3,980 |
| Efficiency ratio | 64.5115% | 5,660 |
| Assets per employee ($millions) | 4.9410% | 2,217 |
| Cash dividends to net income (ytd only)* | 8.4896% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,150 |
| Loan loss allowance to noncurrent loans | 54.0801% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.3220% | 2,953 |
| Noncurrent loans to loans | 2.8897% | 2,637 |
| Net loans and leases to total assets | 61.8302% | 5,271 |
| Net loans and leases to deposits | 70.5550% | 5,838 |
| Net loans and leases to core deposits | 84.9426% | 5,970 |
| Total domestic deposits to total assets | 87.6340% | 1,832 |
| Equity capital to assets | 11.8831% | 2,302 |
| Core capital (leverage) ratio | 11.5345% | 2,057 |
| Tier 1 risk-based capital ratio | 17.9303% | 2,011 |
| Total risk-based capital ratio | 19.1831% | 1,958 |
| Memoranda: | ||
| Average total assets | $109,320,500 | 4,873 |
| Average earning assets | $104,144,500 | 4,764 |
| Average equity | $12,498,750 | 4,660 |
| Average total loans | $70,117,000 | 4,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 2,766 |
| Cost of funding earning assets | 1.6943% | 5,297 |
| Net interest margin | 4.1646% | 2,112 |
| Noninterest income to average assets | 0.2191% | 6,735 |
| Noninterest expense to average assets | 2.8413% | 4,772 |
| Loan and lease loss provision to assets | 0.2739% | 4,388 |
| Net operating income to assets | 0.7834% | 2,919 |
| Return on assets (ROA) | 0.7834% | 3,012 |
| Pretax return on assets | 1.0628% | 2,764 |
| Return on Equity (ROE) | 6.9421% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.9421% | 1,603 |
| Net charge-offs to loans | 1.0717% | 1,685 |
| Credit loss provision to net charge-offs | 39.5778% | 5,909 |
| Earnings coverage of net charge-offs (x) | 1.9314% | 4,135 |
| Efficiency ratio | 68.0070% | 5,158 |
| Assets per employee ($millions) | 4.3200% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,294 |
| Loan loss allowance to noncurrent loans | 52.7479% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2472% | 2,893 |
| Noncurrent loans to loans | 2.4574% | 2,939 |
| Net loans and leases to total assets | 62.2580% | 5,317 |
| Net loans and leases to deposits | 70.7493% | 5,901 |
| Net loans and leases to core deposits | 85.2744% | 5,987 |
| Total domestic deposits to total assets | 87.9980% | 1,778 |
| Equity capital to assets | 11.6334% | 2,442 |
| Core capital (leverage) ratio | 11.3629% | 2,159 |
| Tier 1 risk-based capital ratio | 17.2042% | 2,232 |
| Total risk-based capital ratio | 18.4183% | 2,185 |
| Memoranda: | ||
| Average total assets | $109,527,000 | 4,897 |
| Average earning assets | $104,116,000 | 4,787 |
| Average equity | $12,359,330 | 4,723 |
| Average total loans | $70,730,330 | 4,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 2,679 |
| Cost of funding earning assets | 1.7893% | 5,167 |
| Net interest margin | 4.1343% | 2,144 |
| Noninterest income to average assets | 0.2176% | 6,734 |
| Noninterest expense to average assets | 2.6222% | 5,360 |
| Loan and lease loss provision to assets | 0.0907% | 5,796 |
| Net operating income to assets | 1.0191% | 2,235 |
| Return on assets (ROA) | 1.0191% | 2,370 |
| Pretax return on assets | 1.4181% | 1,916 |
| Return on Equity (ROE) | 9.1703% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.1703% | 1,428 |
| Net charge-offs to loans | 0.7274% | 1,735 |
| Credit loss provision to net charge-offs | 19.0840% | 5,084 |
| Earnings coverage of net charge-offs (x) | 3.1756% | 3,263 |
| Efficiency ratio | 63.4767% | 5,786 |
| Assets per employee ($millions) | 4.4047% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 3,330 |
| Loan loss allowance to noncurrent loans | 73.3771% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 4,194 |
| Noncurrent loans to loans | 1.9521% | 3,337 |
| Net loans and leases to total assets | 62.8662% | 5,179 |
| Net loans and leases to deposits | 71.0501% | 5,863 |
| Net loans and leases to core deposits | 85.7555% | 5,924 |
| Total domestic deposits to total assets | 88.4814% | 1,497 |
| Equity capital to assets | 11.2534% | 2,762 |
| Core capital (leverage) ratio | 11.3144% | 2,266 |
| Tier 1 risk-based capital ratio | 16.1650% | 2,628 |
| Total risk-based capital ratio | 17.2215% | 2,637 |
| Memoranda: | ||
| Average total assets | $110,291,000 | 4,898 |
| Average earning assets | $104,396,000 | 4,794 |
| Average equity | $12,257,000 | 4,768 |
| Average total loans | $72,035,000 | 4,906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4442% | 3,210 |
| Cost of funding earning assets | 2.3867% | 4,780 |
| Net interest margin | 4.0575% | 2,884 |
| Noninterest income to average assets | 0.1615% | 7,268 |
| Noninterest expense to average assets | 2.6170% | 5,584 |
| Loan and lease loss provision to assets | 0.4588% | 2,995 |
| Net operating income to assets | 0.6717% | 4,018 |
| Return on assets (ROA) | 0.6717% | 3,859 |
| Pretax return on assets | 0.9451% | 3,568 |
| Return on Equity (ROE) | 6.0680% | 3,913 |
| Retained earnings to average equity (ytd only) | 1.9398% | 4,023 |
| Net charge-offs to loans | 0.6627% | 1,868 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 3.0600% | 4,555 |
| Efficiency ratio | 65.0844% | 5,303 |
| Assets per employee ($millions) | 4.4186% | 2,756 |
| Cash dividends to net income (ytd only)* | 68.0328% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 2,652 |
| Loan loss allowance to noncurrent loans | 46.0074% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 2.1880% | 2,236 |
| Noncurrent loans to loans | 3.2734% | 1,597 |
| Net loans and leases to total assets | 65.8359% | 4,887 |
| Net loans and leases to deposits | 74.3640% | 5,803 |
| Net loans and leases to core deposits | 88.3389% | 5,942 |
| Total domestic deposits to total assets | 88.5320% | 1,232 |
| Equity capital to assets | 10.9737% | 3,063 |
| Core capital (leverage) ratio | 10.9497% | 2,626 |
| Tier 1 risk-based capital ratio | 15.6539% | 2,798 |
| Total risk-based capital ratio | 16.9065% | 2,723 |
| Memoranda: | ||
| Average total assets | $108,981,400 | 4,809 |
| Average earning assets | $103,659,800 | 4,694 |
| Average equity | $12,063,200 | 4,812 |
| Average total loans | $75,447,400 | 4,670 |