Home > Peoples-Webster County Bank > Performance and Condition Ratios
Peoples-Webster County Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 4,084 |
| Cost of funding earning assets | 0.2897% | 5,815 |
| Net interest margin | 3.7228% | 2,946 |
| Noninterest income to average assets | 0.4511% | 4,148 |
| Noninterest expense to average assets | 1.6449% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6473% | 687 |
| Return on assets (ROA) | 1.0562% | 2,247 |
| Pretax return on assets | 1.4420% | 1,790 |
| Return on Equity (ROE) | 4.3184% | 5,066 |
| Retained earnings to average equity (ytd only) | -1.5037% | 6,194 |
| Net charge-offs to loans | -0.0033% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2129% | 6,702 |
| Assets per employee ($millions) | 6.0093% | 1,237 |
| Cash dividends to net income (ytd only)* | 134.8201% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,935 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 54.2032% | 4,581 |
| Net loans and leases to deposits | 72.5674% | 3,448 |
| Net loans and leases to core deposits | 72.5674% | 4,024 |
| Total domestic deposits to total assets | 74.6935% | 6,309 |
| Equity capital to assets | 24.6880% | 94 |
| Core capital (leverage) ratio | 24.2973% | 94 |
| Tier 1 risk-based capital ratio | 33.1699% | 394 |
| Total risk-based capital ratio | 34.1956% | 395 |
| Memoranda: | ||
| Average total assets | $73,597,750 | 5,437 |
| Average earning assets | $68,119,500 | 5,402 |
| Average equity | $17,999,750 | 3,458 |
| Average total loans | $40,364,250 | 5,384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 4,396 |
| Cost of funding earning assets | 0.2850% | 5,946 |
| Net interest margin | 3.6363% | 3,222 |
| Noninterest income to average assets | 0.2834% | 5,421 |
| Noninterest expense to average assets | 1.6844% | 6,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4063% | 1,066 |
| Return on assets (ROA) | 1.4063% | 1,153 |
| Pretax return on assets | 2.0083% | 601 |
| Return on Equity (ROE) | 5.7680% | 4,307 |
| Retained earnings to average equity (ytd only) | -2.9338% | 6,302 |
| Net charge-offs to loans | -0.0049% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6140% | 6,652 |
| Assets per employee ($millions) | 5.5757% | 1,516 |
| Cash dividends to net income (ytd only)* | 150.8637% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 4,113 |
| Loan loss allowance to noncurrent loans | 54,800.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 5,996 |
| Noncurrent loans to loans | 0.0025% | 6,454 |
| Net loans and leases to total assets | 53.8753% | 4,607 |
| Net loans and leases to deposits | 71.5797% | 3,515 |
| Net loans and leases to core deposits | 71.5797% | 4,100 |
| Total domestic deposits to total assets | 75.2663% | 6,330 |
| Equity capital to assets | 24.1640% | 96 |
| Core capital (leverage) ratio | 23.3489% | 104 |
| Tier 1 risk-based capital ratio | 30.1770% | 511 |
| Total risk-based capital ratio | 31.1135% | 523 |
| Memoranda: | ||
| Average total assets | $74,093,000 | 5,460 |
| Average earning assets | $69,466,000 | 5,408 |
| Average equity | $18,065,330 | 3,472 |
| Average total loans | $40,607,330 | 5,398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 4,317 |
| Cost of funding earning assets | 0.2816% | 6,097 |
| Net interest margin | 3.6614% | 3,029 |
| Noninterest income to average assets | 0.3204% | 5,134 |
| Noninterest expense to average assets | 1.6716% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4527% | 953 |
| Return on assets (ROA) | 1.4527% | 1,031 |
| Pretax return on assets | 2.0508% | 544 |
| Return on Equity (ROE) | 5.9322% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.9322% | 2,714 |
| Net charge-offs to loans | -0.0097% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9067% | 6,736 |
| Assets per employee ($millions) | 5.8542% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,421 |
| Loan loss allowance to noncurrent loans | 54,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 5,876 |
| Noncurrent loans to loans | 0.0025% | 6,521 |
| Net loans and leases to total assets | 52.2265% | 4,674 |
| Net loans and leases to deposits | 69.8590% | 3,505 |
| Net loans and leases to core deposits | 69.8590% | 4,098 |
| Total domestic deposits to total assets | 74.7599% | 6,480 |
| Equity capital to assets | 24.2389% | 104 |
| Core capital (leverage) ratio | 24.4173% | 91 |
| Tier 1 risk-based capital ratio | 31.1170% | 482 |
| Total risk-based capital ratio | 32.0542% | 489 |
| Memoranda: | ||
| Average total assets | $74,897,500 | 5,488 |
| Average earning assets | $69,591,500 | 5,448 |
| Average equity | $18,340,500 | 3,478 |
| Average total loans | $41,111,500 | 5,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 4,339 |
| Cost of funding earning assets | 0.3417% | 6,265 |
| Net interest margin | 3.9241% | 2,724 |
| Noninterest income to average assets | 0.3318% | 5,080 |
| Noninterest expense to average assets | 1.9100% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5029% | 910 |
| Return on assets (ROA) | 1.5029% | 1,002 |
| Pretax return on assets | 2.1038% | 489 |
| Return on Equity (ROE) | 5.6956% | 4,313 |
| Retained earnings to average equity (ytd only) | -2.6101% | 6,231 |
| Net charge-offs to loans | -0.1223% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5860% | 6,728 |
| Assets per employee ($millions) | 5.6685% | 1,550 |
| Cash dividends to net income (ytd only)* | 145.8256% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,610 |
| Loan loss allowance to noncurrent loans | 27,350.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 5,950 |
| Noncurrent loans to loans | 0.0048% | 6,574 |
| Net loans and leases to total assets | 56.1555% | 4,265 |
| Net loans and leases to deposits | 75.4302% | 2,891 |
| Net loans and leases to core deposits | 75.4302% | 3,609 |
| Total domestic deposits to total assets | 74.4470% | 6,492 |
| Equity capital to assets | 24.7442% | 102 |
| Core capital (leverage) ratio | 25.0000% | 97 |
| Tier 1 risk-based capital ratio | 29.8923% | 518 |
| Total risk-based capital ratio | 30.8045% | 527 |
| Memoranda: | ||
| Average total assets | $71,727,000 | 5,584 |
| Average earning assets | $67,302,200 | 5,509 |
| Average equity | $18,926,800 | 3,345 |
| Average total loans | $40,065,000 | 5,501 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 4,711 |
| Cost of funding earning assets | 0.3489% | 6,381 |
| Net interest margin | 3.8810% | 2,980 |
| Noninterest income to average assets | 0.3594% | 4,948 |
| Noninterest expense to average assets | 1.8717% | 6,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4880% | 1,037 |
| Return on assets (ROA) | 1.4880% | 1,156 |
| Pretax return on assets | 2.1524% | 523 |
| Return on Equity (ROE) | 5.5496% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.5496% | 3,005 |
| Net charge-offs to loans | -0.1212% | 6,904 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5116% | 6,796 |
| Assets per employee ($millions) | 5.5534% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,947 |
| Loan loss allowance to noncurrent loans | 224.3697% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 5,867 |
| Noncurrent loans to loans | 0.5662% | 5,308 |
| Net loans and leases to total assets | 57.4840% | 4,208 |
| Net loans and leases to deposits | 81.9721% | 2,122 |
| Net loans and leases to core deposits | 81.9721% | 2,964 |
| Total domestic deposits to total assets | 70.1263% | 6,834 |
| Equity capital to assets | 27.0867% | 84 |
| Core capital (leverage) ratio | 26.9508% | 78 |
| Tier 1 risk-based capital ratio | 32.0827% | 442 |
| Total risk-based capital ratio | 32.9743% | 446 |
| Memoranda: | ||
| Average total assets | $71,236,250 | 5,662 |
| Average earning assets | $67,266,000 | 5,573 |
| Average equity | $19,100,000 | 3,341 |
| Average total loans | $39,599,250 | 5,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 4,899 |
| Cost of funding earning assets | 0.3592% | 6,472 |
| Net interest margin | 3.8554% | 3,114 |
| Noninterest income to average assets | 0.2369% | 5,875 |
| Noninterest expense to average assets | 1.8077% | 6,740 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4593% | 1,069 |
| Return on assets (ROA) | 1.4693% | 1,176 |
| Pretax return on assets | 2.0757% | 600 |
| Return on Equity (ROE) | 5.4992% | 4,582 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,986 |
| Net charge-offs to loans | -0.1444% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7201% | 6,845 |
| Assets per employee ($millions) | 5.5820% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,833 |
| Loan loss allowance to noncurrent loans | 267.0051% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 6,098 |
| Noncurrent loans to loans | 0.4922% | 5,546 |
| Net loans and leases to total assets | 54.4263% | 4,726 |
| Net loans and leases to deposits | 78.0364% | 2,660 |
| Net loans and leases to core deposits | 78.0364% | 3,511 |
| Total domestic deposits to total assets | 69.7448% | 6,915 |
| Equity capital to assets | 26.5014% | 85 |
| Core capital (leverage) ratio | 26.5270% | 81 |
| Tier 1 risk-based capital ratio | 32.9305% | 407 |
| Total risk-based capital ratio | 33.8451% | 408 |
| Memoranda: | ||
| Average total assets | $70,917,000 | 5,704 |
| Average earning assets | $66,815,670 | 5,622 |
| Average equity | $18,948,330 | 3,360 |
| Average total loans | $38,787,670 | 5,654 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 5,046 |
| Cost of funding earning assets | 0.3626% | 6,586 |
| Net interest margin | 3.8556% | 3,113 |
| Noninterest income to average assets | 0.2454% | 5,884 |
| Noninterest expense to average assets | 1.8604% | 6,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4381% | 1,144 |
| Return on assets (ROA) | 1.4381% | 1,283 |
| Pretax return on assets | 2.0259% | 701 |
| Return on Equity (ROE) | 5.3597% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.3597% | 3,336 |
| Net charge-offs to loans | 0.0210% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 205 |
| Efficiency ratio | 47.8708% | 6,815 |
| Assets per employee ($millions) | 5.5498% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,927 |
| Loan loss allowance to noncurrent loans | 278.6517% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 6,268 |
| Noncurrent loans to loans | 0.4740% | 5,726 |
| Net loans and leases to total assets | 51.3590% | 5,098 |
| Net loans and leases to deposits | 70.6073% | 3,637 |
| Net loans and leases to core deposits | 70.6073% | 4,335 |
| Total domestic deposits to total assets | 72.7390% | 6,844 |
| Equity capital to assets | 26.2312% | 81 |
| Core capital (leverage) ratio | 26.5010% | 78 |
| Tier 1 risk-based capital ratio | 33.6384% | 377 |
| Total risk-based capital ratio | 34.5320% | 382 |
| Memoranda: | ||
| Average total assets | $70,092,500 | 5,771 |
| Average earning assets | $66,189,500 | 5,681 |
| Average equity | $18,807,000 | 3,379 |
| Average total loans | $38,171,000 | 5,722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 4,206 |
| Cost of funding earning assets | 0.4680% | 6,661 |
| Net interest margin | 4.2402% | 1,924 |
| Noninterest income to average assets | 0.3910% | 4,690 |
| Noninterest expense to average assets | 2.0157% | 6,645 |
| Loan and lease loss provision to assets | 0.0621% | 5,834 |
| Net operating income to assets | 1.6409% | 617 |
| Return on assets (ROA) | 1.6681% | 624 |
| Pretax return on assets | 2.3725% | 267 |
| Return on Equity (ROE) | 5.8520% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.0175% | 3,332 |
| Net charge-offs to loans | 0.4689% | 3,112 |
| Credit loss provision to net charge-offs | 23.3918% | 5,874 |
| Earnings coverage of net charge-offs (x) | 9.0292% | 2,048 |
| Efficiency ratio | 45.6912% | 7,064 |
| Assets per employee ($millions) | 5.2337% | 1,906 |
| Cash dividends to net income (ytd only)* | 31.3488% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 5,001 |
| Loan loss allowance to noncurrent loans | 270.6522% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,288 |
| Noncurrent loans to loans | 0.4743% | 5,760 |
| Net loans and leases to total assets | 56.2833% | 4,655 |
| Net loans and leases to deposits | 78.4890% | 2,760 |
| Net loans and leases to core deposits | 78.4890% | 3,627 |
| Total domestic deposits to total assets | 71.7085% | 6,890 |
| Equity capital to assets | 27.4685% | 78 |
| Core capital (leverage) ratio | 28.5725% | 72 |
| Tier 1 risk-based capital ratio | 33.6752% | 371 |
| Total risk-based capital ratio | 34.5857% | 374 |
| Memoranda: | ||
| Average total assets | $64,445,600 | 5,913 |
| Average earning assets | $61,105,400 | 5,831 |
| Average equity | $18,369,800 | 3,377 |
| Average total loans | $36,464,800 | 5,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 4,417 |
| Cost of funding earning assets | 0.4900% | 6,741 |
| Net interest margin | 4.2187% | 2,026 |
| Noninterest income to average assets | 0.4259% | 4,472 |
| Noninterest expense to average assets | 1.9974% | 6,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7420% | 576 |
| Return on assets (ROA) | 1.7792% | 589 |
| Pretax return on assets | 2.5094% | 243 |
| Return on Equity (ROE) | 6.1817% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.1817% | 2,437 |
| Net charge-offs to loans | 0.3158% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.7765% | 1,591 |
| Efficiency ratio | 44.8422% | 7,109 |
| Assets per employee ($millions) | 4.8905% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,333 |
| Loan loss allowance to noncurrent loans | 163.8554% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 5,784 |
| Noncurrent loans to loans | 0.8851% | 5,087 |
| Net loans and leases to total assets | 58.1405% | 4,489 |
| Net loans and leases to deposits | 83.9156% | 2,018 |
| Net loans and leases to core deposits | 84.4004% | 3,005 |
| Total domestic deposits to total assets | 69.2845% | 7,072 |
| Equity capital to assets | 29.6003% | 81 |
| Core capital (leverage) ratio | 29.1848% | 81 |
| Tier 1 risk-based capital ratio | 35.2217% | 347 |
| Total risk-based capital ratio | 36.2558% | 346 |
| Memoranda: | ||
| Average total assets | $63,547,500 | 5,978 |
| Average earning assets | $60,681,250 | 5,881 |
| Average equity | $18,290,000 | 3,394 |
| Average total loans | $35,883,000 | 5,927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 4,575 |
| Cost of funding earning assets | 0.5166% | 6,791 |
| Net interest margin | 4.1724% | 2,152 |
| Noninterest income to average assets | 0.2864% | 5,588 |
| Noninterest expense to average assets | 1.9957% | 6,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6250% | 698 |
| Return on assets (ROA) | 1.6809% | 669 |
| Pretax return on assets | 2.3608% | 307 |
| Return on Equity (ROE) | 5.8961% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.8961% | 2,491 |
| Net charge-offs to loans | 0.4640% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.8415% | 1,998 |
| Efficiency ratio | 46.6519% | 7,125 |
| Assets per employee ($millions) | 5.2693% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,093 |
| Loan loss allowance to noncurrent loans | 202.5926% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 6,077 |
| Noncurrent loans to loans | 0.7446% | 5,423 |
| Net loans and leases to total assets | 56.4825% | 4,903 |
| Net loans and leases to deposits | 82.8020% | 2,315 |
| Net loans and leases to core deposits | 83.2906% | 3,321 |
| Total domestic deposits to total assets | 68.2139% | 7,183 |
| Equity capital to assets | 29.2004% | 85 |
| Core capital (leverage) ratio | 28.3442% | 91 |
| Tier 1 risk-based capital ratio | 36.0552% | 321 |
| Total risk-based capital ratio | 37.1380% | 320 |
| Memoranda: | ||
| Average total assets | $63,537,670 | 6,027 |
| Average earning assets | $60,780,000 | 5,924 |
| Average equity | $18,113,670 | 3,398 |
| Average total loans | $35,341,330 | 6,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 5,344 |
| Cost of funding earning assets | 0.5260% | 6,881 |
| Net interest margin | 3.9712% | 2,817 |
| Noninterest income to average assets | 0.2701% | 5,740 |
| Noninterest expense to average assets | 1.9783% | 6,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4781% | 914 |
| Return on assets (ROA) | 1.5450% | 830 |
| Pretax return on assets | 2.1793% | 414 |
| Return on Equity (ROE) | 5.4854% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.4854% | 2,916 |
| Net charge-offs to loans | 0.9518% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,580 |
| Efficiency ratio | 48.6862% | 7,087 |
| Assets per employee ($millions) | 4.9215% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 4,031 |
| Loan loss allowance to noncurrent loans | 204.4944% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 6,164 |
| Noncurrent loans to loans | 0.7501% | 5,521 |
| Net loans and leases to total assets | 54.7820% | 5,196 |
| Net loans and leases to deposits | 78.0636% | 3,048 |
| Net loans and leases to core deposits | 78.5042% | 3,952 |
| Total domestic deposits to total assets | 70.1762% | 7,170 |
| Equity capital to assets | 28.2343% | 86 |
| Core capital (leverage) ratio | 27.9041% | 86 |
| Tier 1 risk-based capital ratio | 36.2682% | 320 |
| Total risk-based capital ratio | 37.3728% | 316 |
| Memoranda: | ||
| Average total assets | $63,690,500 | 6,070 |
| Average earning assets | $60,838,500 | 5,971 |
| Average equity | $17,938,500 | 3,405 |
| Average total loans | $34,881,000 | 6,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 5,400 |
| Cost of funding earning assets | 0.7078% | 6,862 |
| Net interest margin | 4.0946% | 2,587 |
| Noninterest income to average assets | 0.3689% | 5,155 |
| Noninterest expense to average assets | 2.0344% | 6,969 |
| Loan and lease loss provision to assets | 0.0984% | 6,160 |
| Net operating income to assets | 1.4918% | 778 |
| Return on assets (ROA) | 1.4918% | 838 |
| Pretax return on assets | 2.1147% | 381 |
| Return on Equity (ROE) | 5.1388% | 4,006 |
| Retained earnings to average equity (ytd only) | 3.2358% | 3,605 |
| Net charge-offs to loans | 0.0276% | 6,528 |
| Credit loss provision to net charge-offs | 666.6667% | 315 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 167 |
| Efficiency ratio | 47.6650% | 7,279 |
| Assets per employee ($millions) | 4.5287% | 2,815 |
| Cash dividends to net income (ytd only)* | 37.0330% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 2,714 |
| Loan loss allowance to noncurrent loans | 176.1905% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 5,678 |
| Noncurrent loans to loans | 1.0449% | 4,977 |
| Net loans and leases to total assets | 52.8974% | 5,799 |
| Net loans and leases to deposits | 74.9201% | 4,042 |
| Net loans and leases to core deposits | 75.7715% | 4,754 |
| Total domestic deposits to total assets | 70.6050% | 7,200 |
| Equity capital to assets | 28.0953% | 91 |
| Core capital (leverage) ratio | 28.7074% | 91 |
| Tier 1 risk-based capital ratio | 36.2763% | 314 |
| Total risk-based capital ratio | 37.5321% | 305 |
| Memoranda: | ||
| Average total assets | $61,000,400 | 6,161 |
| Average earning assets | $57,783,000 | 6,069 |
| Average equity | $17,708,400 | 3,471 |
| Average total loans | $32,550,400 | 6,285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 5,674 |
| Cost of funding earning assets | 0.7481% | 6,922 |
| Net interest margin | 4.0479% | 2,868 |
| Noninterest income to average assets | 0.3973% | 4,977 |
| Noninterest expense to average assets | 1.9911% | 7,064 |
| Loan and lease loss provision to assets | 0.0993% | 6,028 |
| Net operating income to assets | 1.5077% | 912 |
| Return on assets (ROA) | 1.5077% | 991 |
| Pretax return on assets | 2.1412% | 461 |
| Return on Equity (ROE) | 5.1500% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.1500% | 2,873 |
| Net charge-offs to loans | -0.0041% | 7,199 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7397% | 7,354 |
| Assets per employee ($millions) | 4.3660% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 2,546 |
| Loan loss allowance to noncurrent loans | 162.9243% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,689 |
| Noncurrent loans to loans | 1.1531% | 4,933 |
| Net loans and leases to total assets | 53.3195% | 5,942 |
| Net loans and leases to deposits | 77.7884% | 3,865 |
| Net loans and leases to core deposits | 78.3551% | 4,761 |
| Total domestic deposits to total assets | 68.5443% | 7,351 |
| Equity capital to assets | 29.6430% | 90 |
| Core capital (leverage) ratio | 29.4095% | 87 |
| Tier 1 risk-based capital ratio | 37.6736% | 290 |
| Total risk-based capital ratio | 38.9294% | 284 |
| Memoranda: | ||
| Average total assets | $60,400,000 | 6,255 |
| Average earning assets | $57,213,000 | 6,156 |
| Average equity | $17,682,250 | 3,524 |
| Average total loans | $32,146,250 | 6,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 5,882 |
| Cost of funding earning assets | 0.7938% | 6,934 |
| Net interest margin | 3.9797% | 3,117 |
| Noninterest income to average assets | 0.2527% | 6,105 |
| Noninterest expense to average assets | 2.0080% | 7,094 |
| Loan and lease loss provision to assets | 0.0997% | 5,911 |
| Net operating income to assets | 1.3564% | 1,179 |
| Return on assets (ROA) | 1.3564% | 1,249 |
| Pretax return on assets | 1.9116% | 722 |
| Return on Equity (ROE) | 4.6531% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.6531% | 3,109 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4624% | 7,261 |
| Assets per employee ($millions) | 6.7511% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 2,303 |
| Loan loss allowance to noncurrent loans | 163.0027% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 5,747 |
| Noncurrent loans to loans | 1.1966% | 4,968 |
| Net loans and leases to total assets | 50.3012% | 6,398 |
| Net loans and leases to deposits | 72.7829% | 4,878 |
| Net loans and leases to core deposits | 73.3101% | 5,521 |
| Total domestic deposits to total assets | 69.1113% | 7,381 |
| Equity capital to assets | 29.2594% | 94 |
| Core capital (leverage) ratio | 28.6410% | 91 |
| Tier 1 risk-based capital ratio | 38.9998% | 265 |
| Total risk-based capital ratio | 40.2556% | 258 |
| Memoranda: | ||
| Average total assets | $60,158,670 | 6,293 |
| Average earning assets | $56,938,330 | 6,204 |
| Average equity | $17,536,670 | 3,540 |
| Average total loans | $31,790,000 | 6,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 6,050 |
| Cost of funding earning assets | 0.8264% | 7,013 |
| Net interest margin | 3.9290% | 3,204 |
| Noninterest income to average assets | 0.2339% | 6,285 |
| Noninterest expense to average assets | 2.0382% | 7,090 |
| Loan and lease loss provision to assets | 0.1002% | 5,626 |
| Net operating income to assets | 1.3632% | 1,156 |
| Return on assets (ROA) | 1.3632% | 1,225 |
| Pretax return on assets | 1.8444% | 820 |
| Return on Equity (ROE) | 4.6853% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.6853% | 3,330 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6711% | 7,267 |
| Assets per employee ($millions) | 4.2884% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 2,454 |
| Loan loss allowance to noncurrent loans | 151.2755% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,686 |
| Noncurrent loans to loans | 1.2542% | 4,884 |
| Net loans and leases to total assets | 51.0710% | 6,368 |
| Net loans and leases to deposits | 73.9414% | 4,752 |
| Net loans and leases to core deposits | 76.3363% | 5,212 |
| Total domestic deposits to total assets | 69.0696% | 7,469 |
| Equity capital to assets | 29.1632% | 90 |
| Core capital (leverage) ratio | 28.7977% | 94 |
| Tier 1 risk-based capital ratio | 38.7290% | 272 |
| Total risk-based capital ratio | 39.9866% | 265 |
| Memoranda: | ||
| Average total assets | $59,858,000 | 6,389 |
| Average earning assets | $57,114,000 | 6,272 |
| Average equity | $17,416,000 | 3,583 |
| Average total loans | $32,099,500 | 6,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4924% | 4,182 |
| Cost of funding earning assets | 1.0177% | 7,175 |
| Net interest margin | 4.4746% | 1,226 |
| Noninterest income to average assets | 0.4511% | 4,799 |
| Noninterest expense to average assets | 2.1314% | 7,119 |
| Loan and lease loss provision to assets | 0.2131% | 5,639 |
| Net operating income to assets | 1.6234% | 518 |
| Return on assets (ROA) | 1.6234% | 552 |
| Pretax return on assets | 2.2611% | 244 |
| Return on Equity (ROE) | 5.3470% | 3,504 |
| Retained earnings to average equity (ytd only) | 3.3755% | 2,808 |
| Net charge-offs to loans | -0.0092% | 7,744 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8542% | 7,719 |
| Assets per employee ($millions) | 4.2627% | 3,325 |
| Cash dividends to net income (ytd only)* | 36.8709% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,691 |
| Loan loss allowance to noncurrent loans | 165.1429% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,786 |
| Noncurrent loans to loans | 1.0624% | 5,197 |
| Net loans and leases to total assets | 54.2344% | 6,176 |
| Net loans and leases to deposits | 78.8799% | 4,194 |
| Net loans and leases to core deposits | 84.6679% | 5,661 |
| Total domestic deposits to total assets | 68.7557% | 7,503 |
| Equity capital to assets | 29.0274% | 108 |
| Core capital (leverage) ratio | 29.8239% | 104 |
| Tier 1 risk-based capital ratio | 36.6809% | 313 |
| Total risk-based capital ratio | 37.9207% | 305 |
| Memoranda: | ||
| Average total assets | $56,300,800 | 6,484 |
| Average earning assets | $52,272,400 | 6,448 |
| Average equity | $17,093,800 | 3,655 |
| Average total loans | $32,623,800 | 6,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 3,857 |
| Cost of funding earning assets | 1.0546% | 7,278 |
| Net interest margin | 4.5464% | 1,079 |
| Noninterest income to average assets | 0.4712% | 4,743 |
| Noninterest expense to average assets | 2.1301% | 7,132 |
| Loan and lease loss provision to assets | 0.2164% | 5,255 |
| Net operating income to assets | 1.6770% | 585 |
| Return on assets (ROA) | 1.6926% | 600 |
| Pretax return on assets | 2.3441% | 265 |
| Return on Equity (ROE) | 5.5096% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,197 |
| Net charge-offs to loans | -0.0082% | 7,662 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1596% | 7,798 |
| Assets per employee ($millions) | 4.0671% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 7,327 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.3983% | 5,979 |
| Net loans and leases to deposits | 86.1390% | 3,289 |
| Net loans and leases to core deposits | 89.6822% | 5,467 |
| Total domestic deposits to total assets | 66.6345% | 7,653 |
| Equity capital to assets | 30.7118% | 110 |
| Core capital (leverage) ratio | 30.1695% | 123 |
| Tier 1 risk-based capital ratio | 36.6053% | 344 |
| Total risk-based capital ratio | 37.7678% | 336 |
| Memoranda: | ||
| Average total assets | $55,456,500 | 6,562 |
| Average earning assets | $51,204,250 | 6,531 |
| Average equity | $17,036,500 | 3,697 |
| Average total loans | $32,543,750 | 6,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 4,010 |
| Cost of funding earning assets | 1.1042% | 7,370 |
| Net interest margin | 4.5081% | 1,153 |
| Noninterest income to average assets | 0.3057% | 6,072 |
| Noninterest expense to average assets | 2.1688% | 7,129 |
| Loan and lease loss provision to assets | 0.2183% | 4,855 |
| Net operating income to assets | 1.4919% | 850 |
| Return on assets (ROA) | 1.4919% | 912 |
| Pretax return on assets | 2.0487% | 499 |
| Return on Equity (ROE) | 4.8560% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.8560% | 2,588 |
| Net charge-offs to loans | -0.0062% | 7,549 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4824% | 7,735 |
| Assets per employee ($millions) | 3.9740% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,975 |
| Loan loss allowance to noncurrent loans | 207.2289% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 5,780 |
| Noncurrent loans to loans | 0.7454% | 5,748 |
| Net loans and leases to total assets | 59.1182% | 5,822 |
| Net loans and leases to deposits | 88.6454% | 3,066 |
| Net loans and leases to core deposits | 91.1866% | 5,430 |
| Total domestic deposits to total assets | 66.6906% | 7,698 |
| Equity capital to assets | 30.7391% | 128 |
| Core capital (leverage) ratio | 30.4189% | 140 |
| Tier 1 risk-based capital ratio | 36.3262% | 387 |
| Total risk-based capital ratio | 37.4327% | 385 |
| Memoranda: | ||
| Average total assets | $54,962,330 | 6,640 |
| Average earning assets | $50,354,000 | 6,615 |
| Average equity | $16,886,330 | 3,737 |
| Average total loans | $32,315,330 | 6,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 4,150 |
| Cost of funding earning assets | 1.1476% | 7,423 |
| Net interest margin | 4.4853% | 1,161 |
| Noninterest income to average assets | 0.2929% | 6,092 |
| Noninterest expense to average assets | 2.2114% | 6,838 |
| Loan and lease loss provision to assets | 0.2197% | 4,257 |
| Net operating income to assets | 1.4645% | 1,006 |
| Return on assets (ROA) | 1.4645% | 1,080 |
| Pretax return on assets | 1.9258% | 761 |
| Return on Equity (ROE) | 4.7680% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.7680% | 3,251 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2521% | 7,574 |
| Assets per employee ($millions) | 3.9190% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 2,646 |
| Loan loss allowance to noncurrent loans | 489.8990% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,340 |
| Noncurrent loans to loans | 0.3205% | 6,641 |
| Net loans and leases to total assets | 55.4132% | 6,319 |
| Net loans and leases to deposits | 83.3964% | 4,074 |
| Net loans and leases to core deposits | 85.8236% | 5,918 |
| Total domestic deposits to total assets | 66.4455% | 7,705 |
| Equity capital to assets | 30.7969% | 137 |
| Core capital (leverage) ratio | 30.5593% | 149 |
| Tier 1 risk-based capital ratio | 37.2531% | 374 |
| Total risk-based capital ratio | 38.3331% | 374 |
| Memoranda: | ||
| Average total assets | $54,625,500 | 6,686 |
| Average earning assets | $49,494,500 | 6,686 |
| Average equity | $16,778,500 | 3,778 |
| Average total loans | $31,769,500 | 6,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2196% | 4,414 |
| Cost of funding earning assets | 1.4560% | 7,676 |
| Net interest margin | 4.7637% | 843 |
| Noninterest income to average assets | 0.4327% | 5,189 |
| Noninterest expense to average assets | 2.2200% | 6,920 |
| Loan and lease loss provision to assets | 0.1505% | 5,437 |
| Net operating income to assets | 1.8117% | 544 |
| Return on assets (ROA) | 1.8117% | 519 |
| Pretax return on assets | 2.5003% | 196 |
| Return on Equity (ROE) | 5.8746% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.8188% | 2,756 |
| Net charge-offs to loans | 0.0533% | 6,029 |
| Credit loss provision to net charge-offs | 470.5882% | 938 |
| Earnings coverage of net charge-offs (x) | 82.8824% | 504 |
| Efficiency ratio | 45.1526% | 7,967 |
| Assets per employee ($millions) | 3.6257% | 4,349 |
| Cash dividends to net income (ytd only)* | 34.9948% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 3,231 |
| Loan loss allowance to noncurrent loans | 459.5960% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 6,062 |
| Noncurrent loans to loans | 0.3032% | 6,470 |
| Net loans and leases to total assets | 59.2001% | 6,025 |
| Net loans and leases to deposits | 88.7896% | 3,670 |
| Net loans and leases to core deposits | 91.0598% | 5,714 |
| Total domestic deposits to total assets | 66.6746% | 7,605 |
| Equity capital to assets | 30.6334% | 167 |
| Core capital (leverage) ratio | 31.0621% | 172 |
| Tier 1 risk-based capital ratio | 35.8327% | 425 |
| Total risk-based capital ratio | 36.8191% | 420 |
| Memoranda: | ||
| Average total assets | $53,153,600 | 6,652 |
| Average earning assets | $49,520,800 | 6,612 |
| Average equity | $16,392,600 | 3,848 |
| Average total loans | $31,909,800 | 6,610 |