Home > Rushville State Bank > Performance and Condition Ratios
Rushville State Bank, Performance and Condition Ratios
| 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 | 3.4443% | 6,680 |
| Cost of funding earning assets | 1.3892% | 362 |
| Net interest margin | 2.0551% | 7,088 |
| Noninterest income to average assets | 0.4270% | 4,458 |
| Noninterest expense to average assets | 2.0399% | 6,349 |
| Loan and lease loss provision to assets | -0.0949% | 7,106 |
| Net operating income to assets | 0.3118% | 5,578 |
| Return on assets (ROA) | 0.3118% | 5,784 |
| Pretax return on assets | 0.4270% | 5,640 |
| Return on Equity (ROE) | 3.9598% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.9598% | 3,979 |
| Net charge-offs to loans | -0.2080% | 7,001 |
| Credit loss provision to net charge-offs | 93.3333% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 1,437 |
| Assets per employee ($millions) | 4.2173% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 4,394 |
| Loan loss allowance to noncurrent loans | 74.1935% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 4,480 |
| Noncurrent loans to loans | 1.9097% | 3,062 |
| Net loans and leases to total assets | 48.7890% | 5,523 |
| Net loans and leases to deposits | 53.2065% | 5,937 |
| Net loans and leases to core deposits | 53.2065% | 6,144 |
| Total domestic deposits to total assets | 91.6974% | 280 |
| Equity capital to assets | 7.9570% | 6,590 |
| Core capital (leverage) ratio | 7.8007% | 6,447 |
| Tier 1 risk-based capital ratio | 18.6656% | 2,082 |
| Total risk-based capital ratio | 19.9191% | 2,036 |
| Memoranda: | ||
| Average total assets | $29,510,670 | 6,904 |
| Average earning assets | $27,930,000 | 6,853 |
| Average equity | $2,323,330 | 7,051 |
| Average total loans | $14,420,670 | 6,827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 6,742 |
| Cost of funding earning assets | 1.4163% | 404 |
| Net interest margin | 2.0457% | 7,153 |
| Noninterest income to average assets | 0.4745% | 4,113 |
| Noninterest expense to average assets | 2.0742% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0542% | 6,323 |
| Return on assets (ROA) | 0.0542% | 6,439 |
| Pretax return on assets | 0.3389% | 5,883 |
| Return on Equity (ROE) | 0.6925% | 6,407 |
| Retained earnings to average equity (ytd only) | 0.6925% | 5,785 |
| Net charge-offs to loans | -0.3909% | 7,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9551% | 1,489 |
| Assets per employee ($millions) | 4.2611% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,979 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 4,633 |
| Noncurrent loans to loans | 1.9626% | 3,208 |
| Net loans and leases to total assets | 47.0933% | 5,674 |
| Net loans and leases to deposits | 51.2141% | 6,051 |
| Net loans and leases to core deposits | 51.2141% | 6,263 |
| Total domestic deposits to total assets | 91.9539% | 266 |
| Equity capital to assets | 7.7578% | 6,654 |
| Core capital (leverage) ratio | 7.5227% | 6,618 |
| Tier 1 risk-based capital ratio | 18.7847% | 2,055 |
| Total risk-based capital ratio | 20.0448% | 2,019 |
| Memoranda: | ||
| Average total assets | $29,505,500 | 6,957 |
| Average earning assets | $27,961,000 | 6,910 |
| Average equity | $2,310,500 | 7,106 |
| Average total loans | $14,326,000 | 6,889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 6,251 |
| Cost of funding earning assets | 1.6540% | 390 |
| Net interest margin | 2.4621% | 7,072 |
| Noninterest income to average assets | 0.4334% | 4,345 |
| Noninterest expense to average assets | 2.0733% | 6,543 |
| Loan and lease loss provision to assets | 0.5339% | 1,966 |
| Net operating income to assets | 0.0971% | 5,871 |
| Return on assets (ROA) | 0.0971% | 5,988 |
| Pretax return on assets | 0.0971% | 5,971 |
| Return on Equity (ROE) | 1.2441% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.2441% | 5,269 |
| Net charge-offs to loans | 2.4756% | 473 |
| Credit loss provision to net charge-offs | 39.6907% | 5,630 |
| Earnings coverage of net charge-offs (x) | 0.4691% | 5,472 |
| Efficiency ratio | 76.6667% | 2,803 |
| Assets per employee ($millions) | 4.1690% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,324 |
| Loan loss allowance to noncurrent loans | 64.5768% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 4,243 |
| Noncurrent loans to loans | 2.2176% | 2,933 |
| Net loans and leases to total assets | 48.5865% | 5,768 |
| Net loans and leases to deposits | 52.9462% | 6,143 |
| Net loans and leases to core deposits | 52.9462% | 6,371 |
| Total domestic deposits to total assets | 91.7658% | 272 |
| Equity capital to assets | 7.9053% | 6,628 |
| Core capital (leverage) ratio | 7.6829% | 6,545 |
| Tier 1 risk-based capital ratio | 18.4653% | 2,055 |
| Total risk-based capital ratio | 19.7224% | 2,021 |
| Memoranda: | ||
| Average total assets | $28,842,400 | 6,999 |
| Average earning assets | $26,602,800 | 6,972 |
| Average equity | $2,250,600 | 7,172 |
| Average total loans | $15,673,000 | 6,870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 6,104 |
| Cost of funding earning assets | 1.6981% | 399 |
| Net interest margin | 2.5446% | 7,110 |
| Noninterest income to average assets | 0.3941% | 4,710 |
| Noninterest expense to average assets | 2.0029% | 6,684 |
| Loan and lease loss provision to assets | 0.9087% | 979 |
| Net operating income to assets | -0.1391% | 6,323 |
| Return on assets (ROA) | -0.1391% | 6,402 |
| Pretax return on assets | -0.1901% | 6,403 |
| Return on Equity (ROE) | -1.7885% | 6,459 |
| Retained earnings to average equity (ytd only) | -1.7885% | 6,271 |
| Net charge-offs to loans | 3.3343% | 251 |
| Credit loss provision to net charge-offs | 49.0000% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.3875% | 5,323 |
| Efficiency ratio | 73.5945% | 3,258 |
| Assets per employee ($millions) | 4.0009% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 3,967 |
| Loan loss allowance to noncurrent loans | 74.2138% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.1674% | 2,945 |
| Noncurrent loans to loans | 2.0599% | 3,290 |
| Net loans and leases to total assets | 54.2812% | 5,130 |
| Net loans and leases to deposits | 59.2601% | 5,722 |
| Net loans and leases to core deposits | 59.2601% | 6,039 |
| Total domestic deposits to total assets | 91.5982% | 274 |
| Equity capital to assets | 8.0626% | 6,655 |
| Core capital (leverage) ratio | 7.9524% | 6,438 |
| Tier 1 risk-based capital ratio | 15.8504% | 3,191 |
| Total risk-based capital ratio | 17.1090% | 3,145 |
| Memoranda: | ||
| Average total assets | $28,757,250 | 7,075 |
| Average earning assets | $26,304,000 | 7,050 |
| Average equity | $2,236,500 | 7,247 |
| Average total loans | $15,995,000 | 6,917 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 6,300 |
| Cost of funding earning assets | 1.6995% | 466 |
| Net interest margin | 2.4897% | 7,192 |
| Noninterest income to average assets | 0.3654% | 4,954 |
| Noninterest expense to average assets | 1.9995% | 6,793 |
| Loan and lease loss provision to assets | 1.3169% | 563 |
| Net operating income to assets | -0.4688% | 6,664 |
| Return on assets (ROA) | -0.4688% | 6,689 |
| Pretax return on assets | -0.6481% | 6,736 |
| Return on Equity (ROE) | -6.1005% | 6,784 |
| Retained earnings to average equity (ytd only) | -6.1005% | 6,662 |
| Net charge-offs to loans | 4.7093% | 149 |
| Credit loss provision to net charge-offs | 50.1312% | 4,582 |
| Earnings coverage of net charge-offs (x) | 0.2546% | 5,120 |
| Efficiency ratio | 74.9354% | 3,192 |
| Assets per employee ($millions) | 4.0379% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 3,812 |
| Loan loss allowance to noncurrent loans | 44.4050% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9919% | 3,245 |
| Noncurrent loans to loans | 3.5411% | 1,998 |
| Net loans and leases to total assets | 55.3653% | 5,091 |
| Net loans and leases to deposits | 60.3370% | 5,694 |
| Net loans and leases to core deposits | 60.3370% | 6,060 |
| Total domestic deposits to total assets | 91.7601% | 289 |
| Equity capital to assets | 7.8613% | 6,765 |
| Core capital (leverage) ratio | 7.3910% | 6,815 |
| Tier 1 risk-based capital ratio | 15.4980% | 3,244 |
| Total risk-based capital ratio | 16.7573% | 3,186 |
| Memoranda: | ||
| Average total assets | $29,007,670 | 7,134 |
| Average earning assets | $26,831,000 | 7,098 |
| Average equity | $2,229,330 | 7,309 |
| Average total loans | $16,180,670 | 6,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 6,069 |
| Cost of funding earning assets | 1.7053% | 539 |
| Net interest margin | 2.5726% | 7,145 |
| Noninterest income to average assets | 0.3540% | 5,066 |
| Noninterest expense to average assets | 2.0831% | 6,675 |
| Loan and lease loss provision to assets | 2.6005% | 195 |
| Net operating income to assets | -1.4432% | 7,180 |
| Return on assets (ROA) | -1.4432% | 7,184 |
| Pretax return on assets | -1.9470% | 7,246 |
| Return on Equity (ROE) | -18.9879% | 7,208 |
| Retained earnings to average equity (ytd only) | -18.9879% | 7,138 |
| Net charge-offs to loans | 9.5334% | 43 |
| Credit loss provision to net charge-offs | 49.1003% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.1234% | 4,507 |
| Efficiency ratio | 76.1194% | 3,147 |
| Assets per employee ($millions) | 4.2696% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 3,862 |
| Loan loss allowance to noncurrent loans | 40.6040% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 3,327 |
| Noncurrent loans to loans | 3.8704% | 1,899 |
| Net loans and leases to total assets | 50.7144% | 5,750 |
| Net loans and leases to deposits | 54.9067% | 6,219 |
| Net loans and leases to core deposits | 54.9067% | 6,492 |
| Total domestic deposits to total assets | 92.3646% | 197 |
| Equity capital to assets | 7.2874% | 6,981 |
| Core capital (leverage) ratio | 7.0703% | 6,973 |
| Tier 1 risk-based capital ratio | 15.9321% | 2,934 |
| Total risk-based capital ratio | 17.1893% | 2,899 |
| Memoranda: | ||
| Average total assets | $29,379,000 | 7,172 |
| Average earning assets | $27,209,500 | 7,127 |
| Average equity | $2,233,000 | 7,362 |
| Average total loans | $16,321,500 | 7,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 4,930 |
| Cost of funding earning assets | 1.9324% | 759 |
| Net interest margin | 2.9847% | 6,755 |
| Noninterest income to average assets | 0.4849% | 4,286 |
| Noninterest expense to average assets | 2.8918% | 4,261 |
| Loan and lease loss provision to assets | 0.9769% | 1,658 |
| Net operating income to assets | -0.4071% | 6,320 |
| Return on assets (ROA) | -0.4071% | 6,349 |
| Pretax return on assets | -0.5628% | 6,367 |
| Return on Equity (ROE) | -4.9251% | 6,427 |
| Retained earnings to average equity (ytd only) | -4.9251% | 6,290 |
| Net charge-offs to loans | 0.7456% | 2,786 |
| Credit loss provision to net charge-offs | 210.6870% | 1,457 |
| Earnings coverage of net charge-offs (x) | 0.8931% | 5,223 |
| Efficiency ratio | 87.4732% | 1,522 |
| Assets per employee ($millions) | 3.6089% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 1,345 |
| Loan loss allowance to noncurrent loans | 42.5121% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.5849% | 1,919 |
| Noncurrent loans to loans | 6.0021% | 1,046 |
| Net loans and leases to total assets | 58.2037% | 4,993 |
| Net loans and leases to deposits | 63.4928% | 5,684 |
| Net loans and leases to core deposits | 63.4928% | 6,101 |
| Total domestic deposits to total assets | 91.6698% | 351 |
| Equity capital to assets | 7.9249% | 6,556 |
| Core capital (leverage) ratio | 7.5647% | 6,649 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,360 |
| Total risk-based capital ratio | 16.0931% | 3,302 |
| Memoranda: | ||
| Average total assets | $28,252,000 | 7,262 |
| Average earning assets | $26,702,800 | 7,204 |
| Average equity | $2,335,000 | 7,443 |
| Average total loans | $17,570,400 | 7,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 5,184 |
| Cost of funding earning assets | 1.9694% | 829 |
| Net interest margin | 2.9492% | 6,931 |
| Noninterest income to average assets | 0.5030% | 4,163 |
| Noninterest expense to average assets | 3.0418% | 3,600 |
| Loan and lease loss provision to assets | 1.3239% | 1,044 |
| Net operating income to assets | -0.8447% | 6,810 |
| Return on assets (ROA) | -0.8447% | 6,851 |
| Pretax return on assets | -1.0630% | 6,889 |
| Return on Equity (ROE) | -10.1131% | 6,936 |
| Retained earnings to average equity (ytd only) | -10.1131% | 6,888 |
| Net charge-offs to loans | 0.8988% | 2,203 |
| Credit loss provision to net charge-offs | 234.4538% | 1,446 |
| Earnings coverage of net charge-offs (x) | 0.4622% | 5,561 |
| Efficiency ratio | 92.0977% | 1,122 |
| Assets per employee ($millions) | 3.4883% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 1,366 |
| Loan loss allowance to noncurrent loans | 57.0175% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 2,541 |
| Noncurrent loans to loans | 4.3400% | 1,676 |
| Net loans and leases to total assets | 64.2586% | 4,069 |
| Net loans and leases to deposits | 70.1675% | 5,123 |
| Net loans and leases to core deposits | 70.1675% | 5,728 |
| Total domestic deposits to total assets | 91.5789% | 285 |
| Equity capital to assets | 8.0162% | 6,796 |
| Core capital (leverage) ratio | 7.6717% | 6,706 |
| Tier 1 risk-based capital ratio | 13.4484% | 4,235 |
| Total risk-based capital ratio | 14.7172% | 4,175 |
| Memoranda: | ||
| Average total assets | $28,097,250 | 7,356 |
| Average earning assets | $26,673,500 | 7,291 |
| Average equity | $2,346,750 | 7,535 |
| Average total loans | $17,652,000 | 7,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 5,375 |
| Cost of funding earning assets | 1.9412% | 1,075 |
| Net interest margin | 2.9606% | 6,919 |
| Noninterest income to average assets | 0.4971% | 4,138 |
| Noninterest expense to average assets | 3.0823% | 3,384 |
| Loan and lease loss provision to assets | 0.1776% | 5,096 |
| Net operating income to assets | 0.0213% | 6,051 |
| Return on assets (ROA) | 0.0213% | 6,150 |
| Pretax return on assets | 0.0426% | 6,087 |
| Return on Equity (ROE) | 0.2517% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.2517% | 5,654 |
| Net charge-offs to loans | 0.8617% | 2,104 |
| Credit loss provision to net charge-offs | 33.3333% | 5,688 |
| Earnings coverage of net charge-offs (x) | 0.4133% | 5,311 |
| Efficiency ratio | 93.3333% | 1,100 |
| Assets per employee ($millions) | 3.4524% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,651 |
| Loan loss allowance to noncurrent loans | 45.8801% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 3,573 |
| Noncurrent loans to loans | 2.9553% | 2,712 |
| Net loans and leases to total assets | 64.5353% | 4,153 |
| Net loans and leases to deposits | 71.0828% | 5,132 |
| Net loans and leases to core deposits | 71.0828% | 5,761 |
| Total domestic deposits to total assets | 90.7889% | 571 |
| Equity capital to assets | 8.6860% | 5,904 |
| Core capital (leverage) ratio | 7.9273% | 6,355 |
| Tier 1 risk-based capital ratio | 14.7448% | 3,301 |
| Total risk-based capital ratio | 15.9975% | 3,273 |
| Memoranda: | ||
| Average total assets | $28,161,000 | 7,408 |
| Average earning assets | $26,684,000 | 7,350 |
| Average equity | $2,383,330 | 7,579 |
| Average total loans | $17,407,000 | 7,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 5,930 |
| Cost of funding earning assets | 1.9394% | 1,290 |
| Net interest margin | 2.8494% | 7,101 |
| Noninterest income to average assets | 0.5065% | 3,999 |
| Noninterest expense to average assets | 3.1514% | 3,049 |
| Loan and lease loss provision to assets | 0.3517% | 3,270 |
| Net operating income to assets | -0.2673% | 6,623 |
| Return on assets (ROA) | -0.2673% | 6,683 |
| Pretax return on assets | -0.3095% | 6,649 |
| Return on Equity (ROE) | -3.1993% | 6,759 |
| Retained earnings to average equity (ytd only) | -3.1993% | 6,395 |
| Net charge-offs to loans | 1.0775% | 1,550 |
| Credit loss provision to net charge-offs | 54.3478% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.0652% | 4,979 |
| Efficiency ratio | 98.6784% | 891 |
| Assets per employee ($millions) | 3.6255% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,317 |
| Loan loss allowance to noncurrent loans | 26.2201% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 3.6030% | 1,946 |
| Noncurrent loans to loans | 6.2236% | 1,035 |
| Net loans and leases to total assets | 56.9473% | 5,616 |
| Net loans and leases to deposits | 62.2672% | 6,251 |
| Net loans and leases to core deposits | 62.2672% | 6,577 |
| Total domestic deposits to total assets | 91.4564% | 388 |
| Equity capital to assets | 8.1437% | 6,500 |
| Core capital (leverage) ratio | 7.7754% | 6,534 |
| Tier 1 risk-based capital ratio | 15.8787% | 2,697 |
| Total risk-based capital ratio | 17.1390% | 2,636 |
| Memoranda: | ||
| Average total assets | $28,432,000 | 7,499 |
| Average earning assets | $26,812,500 | 7,434 |
| Average equity | $2,375,500 | 7,672 |
| Average total loans | $17,076,000 | 7,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 4,025 |
| Cost of funding earning assets | 2.3658% | 1,406 |
| Net interest margin | 3.1570% | 6,211 |
| Noninterest income to average assets | 0.4539% | 4,772 |
| Noninterest expense to average assets | 3.1065% | 3,708 |
| Loan and lease loss provision to assets | 0.2083% | 5,677 |
| Net operating income to assets | 0.0670% | 5,301 |
| Return on assets (ROA) | 0.0670% | 5,343 |
| Pretax return on assets | 0.1079% | 5,204 |
| Return on Equity (ROE) | 0.7622% | 5,304 |
| Retained earnings to average equity (ytd only) | 0.6352% | 4,551 |
| Net charge-offs to loans | -0.2238% | 7,916 |
| Credit loss provision to net charge-offs | -147.3684% | 7,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7609% | 1,653 |
| Assets per employee ($millions) | 3.4825% | 5,050 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 2,892 |
| Loan loss allowance to noncurrent loans | 49.9154% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 3,061 |
| Noncurrent loans to loans | 3.4042% | 2,243 |
| Net loans and leases to total assets | 61.2563% | 5,150 |
| Net loans and leases to deposits | 67.3747% | 5,902 |
| Net loans and leases to core deposits | 75.5701% | 6,431 |
| Total domestic deposits to total assets | 90.9189% | 565 |
| Equity capital to assets | 8.5750% | 5,759 |
| Core capital (leverage) ratio | 8.0837% | 6,024 |
| Tier 1 risk-based capital ratio | 14.8312% | 3,033 |
| Total risk-based capital ratio | 16.0871% | 2,982 |
| Memoranda: | ||
| Average total assets | $26,879,400 | 7,589 |
| Average earning assets | $25,277,000 | 7,533 |
| Average equity | $2,361,600 | 7,760 |
| Average total loans | $16,975,800 | 7,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 3,828 |
| Cost of funding earning assets | 2.4440% | 1,474 |
| Net interest margin | 3.1628% | 6,135 |
| Noninterest income to average assets | 0.4706% | 4,748 |
| Noninterest expense to average assets | 3.1938% | 3,319 |
| Loan and lease loss provision to assets | 0.2903% | 4,653 |
| Net operating income to assets | -0.0651% | 5,834 |
| Return on assets (ROA) | -0.0651% | 5,878 |
| Pretax return on assets | -0.0400% | 5,770 |
| Return on Equity (ROE) | -0.7360% | 5,889 |
| Retained earnings to average equity (ytd only) | -0.7360% | 5,417 |
| Net charge-offs to loans | -0.2922% | 7,996 |
| Credit loss provision to net charge-offs | -156.7568% | 7,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7326% | 1,480 |
| Assets per employee ($millions) | 3.2943% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 2,550 |
| Loan loss allowance to noncurrent loans | 31.3291% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 3.7034% | 1,755 |
| Noncurrent loans to loans | 5.4877% | 1,137 |
| Net loans and leases to total assets | 64.4229% | 4,768 |
| Net loans and leases to deposits | 71.1061% | 5,786 |
| Net loans and leases to core deposits | 80.7208% | 6,289 |
| Total domestic deposits to total assets | 90.6010% | 551 |
| Equity capital to assets | 8.9474% | 5,561 |
| Core capital (leverage) ratio | 8.6239% | 5,270 |
| Tier 1 risk-based capital ratio | 14.9239% | 3,075 |
| Total risk-based capital ratio | 16.1820% | 3,009 |
| Memoranda: | ||
| Average total assets | $26,634,250 | 7,663 |
| Average earning assets | $25,040,500 | 7,611 |
| Average equity | $2,354,750 | 7,834 |
| Average total loans | $16,879,500 | 7,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 3,751 |
| Cost of funding earning assets | 2.4474% | 1,788 |
| Net interest margin | 3.2156% | 5,858 |
| Noninterest income to average assets | 0.4415% | 4,923 |
| Noninterest expense to average assets | 3.3074% | 2,925 |
| Loan and lease loss provision to assets | 0.3517% | 3,819 |
| Net operating income to assets | -0.2694% | 6,290 |
| Return on assets (ROA) | -0.2694% | 6,303 |
| Pretax return on assets | -0.1796% | 6,103 |
| Return on Equity (ROE) | -3.0591% | 6,366 |
| Retained earnings to average equity (ytd only) | -3.0591% | 5,982 |
| Net charge-offs to loans | -0.4299% | 8,098 |
| Credit loss provision to net charge-offs | -130.5556% | 6,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0538% | 1,435 |
| Assets per employee ($millions) | 3.4151% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 2,501 |
| Loan loss allowance to noncurrent loans | 66.8235% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 3,712 |
| Noncurrent loans to loans | 2.4781% | 2,925 |
| Net loans and leases to total assets | 61.7327% | 5,399 |
| Net loans and leases to deposits | 67.8986% | 6,203 |
| Net loans and leases to core deposits | 76.2615% | 6,655 |
| Total domestic deposits to total assets | 90.9191% | 478 |
| Equity capital to assets | 8.4953% | 6,053 |
| Core capital (leverage) ratio | 8.1311% | 6,111 |
| Tier 1 risk-based capital ratio | 14.8564% | 3,086 |
| Total risk-based capital ratio | 16.1149% | 3,014 |
| Memoranda: | ||
| Average total assets | $26,727,670 | 7,733 |
| Average earning assets | $25,251,670 | 7,667 |
| Average equity | $2,353,670 | 7,916 |
| Average total loans | $16,747,670 | 7,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8425% | 3,079 |
| Cost of funding earning assets | 2.5039% | 1,903 |
| Net interest margin | 3.3385% | 5,373 |
| Noninterest income to average assets | 0.4389% | 4,883 |
| Noninterest expense to average assets | 3.4959% | 2,110 |
| Loan and lease loss provision to assets | 0.3178% | 3,429 |
| Net operating income to assets | -0.3783% | 6,760 |
| Return on assets (ROA) | -0.3783% | 6,839 |
| Pretax return on assets | -0.2270% | 6,601 |
| Return on Equity (ROE) | -4.2194% | 6,907 |
| Retained earnings to average equity (ytd only) | -4.2194% | 6,449 |
| Net charge-offs to loans | -0.8461% | 8,148 |
| Credit loss provision to net charge-offs | -60.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4684% | 1,240 |
| Assets per employee ($millions) | 3.3328% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 2,542 |
| Loan loss allowance to noncurrent loans | 503.9216% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,627 |
| Noncurrent loans to loans | 0.3164% | 6,650 |
| Net loans and leases to total assets | 59.5004% | 5,733 |
| Net loans and leases to deposits | 65.6786% | 6,403 |
| Net loans and leases to core deposits | 73.9787% | 6,808 |
| Total domestic deposits to total assets | 90.5934% | 555 |
| Equity capital to assets | 8.8253% | 5,579 |
| Core capital (leverage) ratio | 8.2360% | 6,019 |
| Tier 1 risk-based capital ratio | 15.8925% | 2,726 |
| Total risk-based capital ratio | 17.1499% | 2,667 |
| Memoranda: | ||
| Average total assets | $26,431,000 | 7,783 |
| Average earning assets | $24,921,000 | 7,726 |
| Average equity | $2,370,000 | 7,964 |
| Average total loans | $16,546,500 | 7,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4876% | 3,021 |
| Cost of funding earning assets | 2.9347% | 2,121 |
| Net interest margin | 3.5529% | 5,084 |
| Noninterest income to average assets | 0.4490% | 5,044 |
| Noninterest expense to average assets | 3.6227% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1636% | 5,950 |
| Return on assets (ROA) | 0.1636% | 5,783 |
| Pretax return on assets | 0.1941% | 5,747 |
| Return on Equity (ROE) | 1.8403% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.8403% | 4,086 |
| Net charge-offs to loans | 0.3431% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 0.9107% | 5,678 |
| Efficiency ratio | 94.9153% | 1,225 |
| Assets per employee ($millions) | 3.2750% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,669 |
| Loan loss allowance to noncurrent loans | 515.3846% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 6,977 |
| Noncurrent loans to loans | 0.2298% | 6,696 |
| Net loans and leases to total assets | 64.0115% | 5,273 |
| Net loans and leases to deposits | 71.2144% | 6,140 |
| Net loans and leases to core deposits | 79.7859% | 6,632 |
| Total domestic deposits to total assets | 89.8855% | 698 |
| Equity capital to assets | 9.1107% | 5,211 |
| Core capital (leverage) ratio | 8.9514% | 4,807 |
| Tier 1 risk-based capital ratio | 15.2959% | 2,921 |
| Total risk-based capital ratio | 16.5476% | 2,855 |
| Memoranda: | ||
| Average total assets | $26,279,000 | 7,795 |
| Average earning assets | $24,909,000 | 7,746 |
| Average equity | $2,336,600 | 8,039 |
| Average total loans | $16,323,800 | 7,563 |