Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 3,290 |
| Cost of funding earning assets | 1.1241% | 2,805 |
| Net interest margin | 3.8359% | 3,689 |
| Noninterest income to average assets | 0.6023% | 3,148 |
| Noninterest expense to average assets | 3.3339% | 2,388 |
| Loan and lease loss provision to assets | -0.3012% | 7,398 |
| Net operating income to assets | 0.7842% | 3,237 |
| Return on assets (ROA) | 0.8632% | 3,042 |
| Pretax return on assets | 0.8780% | 3,851 |
| Return on Equity (ROE) | 11.7903% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.4173% | 2,900 |
| Net charge-offs to loans | -0.0037% | 6,695 |
| Credit loss provision to net charge-offs | 14,200.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2680% | 1,508 |
| Assets per employee ($millions) | 2.8375% | 6,424 |
| Cash dividends to net income (ytd only)* | 54.0551% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 5,829 |
| Loan loss allowance to noncurrent loans | 249.6970% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 6,397 |
| Noncurrent loans to loans | 0.4468% | 5,952 |
| Net loans and leases to total assets | 58.4951% | 4,415 |
| Net loans and leases to deposits | 64.0311% | 5,164 |
| Net loans and leases to core deposits | 66.2404% | 5,384 |
| Total domestic deposits to total assets | 91.3543% | 332 |
| Equity capital to assets | 7.6669% | 6,860 |
| Core capital (leverage) ratio | 7.6126% | 6,690 |
| Tier 1 risk-based capital ratio | 11.5625% | 6,206 |
| Total risk-based capital ratio | 12.5619% | 6,346 |
| Memoranda: | ||
| Average total assets | $62,867,750 | 6,010 |
| Average earning assets | $52,902,000 | 6,134 |
| Average equity | $4,602,500 | 6,613 |
| Average total loans | $36,231,500 | 5,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 3,455 |
| Cost of funding earning assets | 1.1560% | 2,867 |
| Net interest margin | 3.7814% | 3,884 |
| Noninterest income to average assets | 0.5681% | 3,346 |
| Noninterest expense to average assets | 3.2976% | 2,575 |
| Loan and lease loss provision to assets | 0.0381% | 5,838 |
| Net operating income to assets | 0.3916% | 4,987 |
| Return on assets (ROA) | 0.4221% | 4,998 |
| Pretax return on assets | 0.4412% | 5,258 |
| Return on Equity (ROE) | 5.8573% | 4,036 |
| Retained earnings to average equity (ytd only) | -3.8315% | 6,458 |
| Net charge-offs to loans | -0.0111% | 6,705 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2881% | 1,482 |
| Assets per employee ($millions) | 2.5619% | 6,844 |
| Cash dividends to net income (ytd only)* | 165.4135% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,759 |
| Loan loss allowance to noncurrent loans | 356.6038% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,480 |
| Noncurrent loans to loans | 0.4443% | 6,020 |
| Net loans and leases to total assets | 57.2839% | 4,770 |
| Net loans and leases to deposits | 62.5217% | 5,444 |
| Net loans and leases to core deposits | 64.3918% | 5,687 |
| Total domestic deposits to total assets | 91.6223% | 319 |
| Equity capital to assets | 7.3969% | 6,996 |
| Core capital (leverage) ratio | 6.9673% | 7,007 |
| Tier 1 risk-based capital ratio | 11.3224% | 6,303 |
| Total risk-based capital ratio | 12.5735% | 6,295 |
| Memoranda: | ||
| Average total assets | $63,015,670 | 6,050 |
| Average earning assets | $52,943,330 | 6,184 |
| Average equity | $4,541,330 | 6,670 |
| Average total loans | $35,999,670 | 5,965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 3,509 |
| Cost of funding earning assets | 1.1875% | 2,899 |
| Net interest margin | 3.7278% | 3,959 |
| Noninterest income to average assets | 0.5080% | 3,819 |
| Noninterest expense to average assets | 3.2423% | 2,733 |
| Loan and lease loss provision to assets | 0.0627% | 5,205 |
| Net operating income to assets | 0.3086% | 5,368 |
| Return on assets (ROA) | 0.3700% | 5,160 |
| Pretax return on assets | 0.3763% | 5,410 |
| Return on Equity (ROE) | 5.2005% | 4,292 |
| Retained earnings to average equity (ytd only) | -9.7840% | 6,861 |
| Net charge-offs to loans | -0.0443% | 6,839 |
| Credit loss provision to net charge-offs | -250.0000% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9081% | 1,426 |
| Assets per employee ($millions) | 2.7390% | 6,648 |
| Cash dividends to net income (ytd only)* | 288.1356% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 3,562 |
| Loan loss allowance to noncurrent loans | 872.3077% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 6,914 |
| Noncurrent loans to loans | 0.1883% | 6,592 |
| Net loans and leases to total assets | 51.6513% | 5,623 |
| Net loans and leases to deposits | 55.9273% | 6,132 |
| Net loans and leases to core deposits | 57.4712% | 6,308 |
| Total domestic deposits to total assets | 92.3544% | 200 |
| Equity capital to assets | 6.7648% | 7,149 |
| Core capital (leverage) ratio | 6.7821% | 7,086 |
| Tier 1 risk-based capital ratio | 11.1861% | 6,365 |
| Total risk-based capital ratio | 12.4373% | 6,334 |
| Memoranda: | ||
| Average total assets | $63,781,000 | 6,066 |
| Average earning assets | $53,222,000 | 6,224 |
| Average equity | $4,538,000 | 6,700 |
| Average total loans | $36,105,500 | 6,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7302% | 1,468 |
| Cost of funding earning assets | 1.4951% | 2,672 |
| Net interest margin | 4.2351% | 2,045 |
| Noninterest income to average assets | 0.5621% | 3,728 |
| Noninterest expense to average assets | 3.4330% | 2,347 |
| Loan and lease loss provision to assets | 0.0673% | 6,473 |
| Net operating income to assets | 0.5632% | 3,835 |
| Return on assets (ROA) | 0.5537% | 4,028 |
| Pretax return on assets | 0.5839% | 4,375 |
| Return on Equity (ROE) | 7.2550% | 3,002 |
| Retained earnings to average equity (ytd only) | 2.9549% | 3,791 |
| Net charge-offs to loans | -0.0862% | 7,490 |
| Credit loss provision to net charge-offs | -125.0000% | 7,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1073% | 2,042 |
| Assets per employee ($millions) | 2.5760% | 6,890 |
| Cash dividends to net income (ytd only)* | 59.2705% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,204 |
| Loan loss allowance to noncurrent loans | 1,348.7805% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 7,063 |
| Noncurrent loans to loans | 0.1088% | 6,870 |
| Net loans and leases to total assets | 60.0679% | 4,668 |
| Net loans and leases to deposits | 65.5841% | 5,444 |
| Net loans and leases to core deposits | 67.5194% | 5,711 |
| Total domestic deposits to total assets | 91.5892% | 377 |
| Equity capital to assets | 7.4873% | 6,885 |
| Core capital (leverage) ratio | 7.3407% | 6,823 |
| Tier 1 risk-based capital ratio | 11.2333% | 6,151 |
| Total risk-based capital ratio | 12.4852% | 6,131 |
| Memoranda: | ||
| Average total assets | $59,423,200 | 6,225 |
| Average earning assets | $49,561,600 | 6,384 |
| Average equity | $4,534,800 | 6,804 |
| Average total loans | $37,135,000 | 6,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 1,499 |
| Cost of funding earning assets | 1.5451% | 2,701 |
| Net interest margin | 4.2207% | 2,144 |
| Noninterest income to average assets | 0.5485% | 3,802 |
| Noninterest expense to average assets | 3.4612% | 2,136 |
| Loan and lease loss provision to assets | 0.0680% | 6,393 |
| Net operating income to assets | 0.5169% | 4,229 |
| Return on assets (ROA) | 0.5191% | 4,403 |
| Pretax return on assets | 0.5508% | 4,758 |
| Return on Equity (ROE) | 6.7682% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.0048% | 5,409 |
| Net charge-offs to loans | -0.1658% | 7,605 |
| Credit loss provision to net charge-offs | -65.2174% | 6,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1579% | 1,823 |
| Assets per employee ($millions) | 2.4668% | 7,113 |
| Cash dividends to net income (ytd only)* | 85.1505% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,107 |
| Loan loss allowance to noncurrent loans | 1,295.3488% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 7,156 |
| Noncurrent loans to loans | 0.1134% | 6,958 |
| Net loans and leases to total assets | 63.0948% | 4,303 |
| Net loans and leases to deposits | 69.2369% | 5,240 |
| Net loans and leases to core deposits | 71.0436% | 5,637 |
| Total domestic deposits to total assets | 91.1288% | 404 |
| Equity capital to assets | 7.7395% | 6,976 |
| Core capital (leverage) ratio | 7.5154% | 6,831 |
| Tier 1 risk-based capital ratio | 10.9999% | 6,386 |
| Total risk-based capital ratio | 12.2520% | 6,363 |
| Memoranda: | ||
| Average total assets | $58,822,750 | 6,308 |
| Average earning assets | $49,185,250 | 6,467 |
| Average equity | $4,511,250 | 6,903 |
| Average total loans | $36,996,250 | 6,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7269% | 1,665 |
| Cost of funding earning assets | 1.5942% | 2,691 |
| Net interest margin | 4.1327% | 2,412 |
| Noninterest income to average assets | 0.5384% | 3,806 |
| Noninterest expense to average assets | 3.4381% | 2,170 |
| Loan and lease loss provision to assets | 0.0681% | 6,272 |
| Net operating income to assets | 0.4532% | 4,542 |
| Return on assets (ROA) | 0.4532% | 4,697 |
| Pretax return on assets | 0.4770% | 4,973 |
| Return on Equity (ROE) | 5.9274% | 3,832 |
| Retained earnings to average equity (ytd only) | -0.9805% | 5,966 |
| Net charge-offs to loans | -0.2344% | 7,661 |
| Credit loss provision to net charge-offs | -46.5116% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5432% | 1,769 |
| Assets per employee ($millions) | 2.4717% | 7,138 |
| Cash dividends to net income (ytd only)* | 116.5414% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,241 |
| Loan loss allowance to noncurrent loans | 1,265.1163% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 7,210 |
| Noncurrent loans to loans | 0.1137% | 7,041 |
| Net loans and leases to total assets | 62.8254% | 4,513 |
| Net loans and leases to deposits | 68.7893% | 5,442 |
| Net loans and leases to core deposits | 72.2696% | 5,643 |
| Total domestic deposits to total assets | 91.3301% | 378 |
| Equity capital to assets | 7.5759% | 7,077 |
| Core capital (leverage) ratio | 7.3512% | 6,954 |
| Tier 1 risk-based capital ratio | 10.9669% | 6,272 |
| Total risk-based capital ratio | 12.2175% | 6,262 |
| Memoranda: | ||
| Average total assets | $58,696,000 | 6,363 |
| Average earning assets | $48,927,330 | 6,507 |
| Average equity | $4,487,670 | 6,940 |
| Average total loans | $36,691,330 | 6,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 1,803 |
| Cost of funding earning assets | 1.6269% | 2,792 |
| Net interest margin | 4.0673% | 2,581 |
| Noninterest income to average assets | 0.5344% | 3,782 |
| Noninterest expense to average assets | 3.4187% | 2,184 |
| Loan and lease loss provision to assets | 0.0685% | 5,950 |
| Net operating income to assets | 0.4179% | 4,760 |
| Return on assets (ROA) | 0.4179% | 4,903 |
| Pretax return on assets | 0.4385% | 5,167 |
| Return on Equity (ROE) | 5.4410% | 4,133 |
| Retained earnings to average equity (ytd only) | -5.7086% | 6,638 |
| Net charge-offs to loans | -0.0332% | 7,225 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3874% | 1,752 |
| Assets per employee ($millions) | 2.6102% | 7,022 |
| Cash dividends to net income (ytd only)* | 204.9180% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,481 |
| Loan loss allowance to noncurrent loans | 498.9899% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 7,061 |
| Noncurrent loans to loans | 0.2780% | 6,765 |
| Net loans and leases to total assets | 58.4919% | 5,353 |
| Net loans and leases to deposits | 63.8153% | 6,067 |
| Net loans and leases to core deposits | 68.6255% | 6,039 |
| Total domestic deposits to total assets | 91.6581% | 332 |
| Equity capital to assets | 7.3975% | 7,139 |
| Core capital (leverage) ratio | 7.3726% | 6,967 |
| Tier 1 risk-based capital ratio | 10.9717% | 6,185 |
| Total risk-based capital ratio | 12.2160% | 6,162 |
| Memoranda: | ||
| Average total assets | $58,384,000 | 6,455 |
| Average earning assets | $48,681,000 | 6,602 |
| Average equity | $4,484,500 | 7,008 |
| Average total loans | $36,131,000 | 6,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3091% | 1,008 |
| Cost of funding earning assets | 1.7961% | 4,013 |
| Net interest margin | 4.5129% | 1,154 |
| Noninterest income to average assets | 0.7073% | 2,915 |
| Noninterest expense to average assets | 3.8967% | 1,511 |
| Loan and lease loss provision to assets | 0.0763% | 6,830 |
| Net operating income to assets | 0.5090% | 3,695 |
| Return on assets (ROA) | 0.5090% | 3,787 |
| Pretax return on assets | 0.5376% | 4,086 |
| Return on Equity (ROE) | 6.0399% | 3,193 |
| Retained earnings to average equity (ytd only) | 1.9681% | 3,724 |
| Net charge-offs to loans | 0.1483% | 5,757 |
| Credit loss provision to net charge-offs | 76.9231% | 6,359 |
| Earnings coverage of net charge-offs (x) | 6.1923% | 2,419 |
| Efficiency ratio | 85.6298% | 2,157 |
| Assets per employee ($millions) | 2.4667% | 7,254 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,688 |
| Loan loss allowance to noncurrent loans | 433.3333% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 6,978 |
| Noncurrent loans to loans | 0.3028% | 6,673 |
| Net loans and leases to total assets | 63.7572% | 4,643 |
| Net loans and leases to deposits | 70.0112% | 5,602 |
| Net loans and leases to core deposits | 85.0306% | 5,616 |
| Total domestic deposits to total assets | 91.0671% | 512 |
| Equity capital to assets | 7.9811% | 6,603 |
| Core capital (leverage) ratio | 7.9522% | 6,257 |
| Tier 1 risk-based capital ratio | 11.2714% | 5,640 |
| Total risk-based capital ratio | 12.4994% | 5,620 |
| Memoranda: | ||
| Average total assets | $52,455,000 | 6,617 |
| Average earning assets | $44,206,200 | 6,754 |
| Average equity | $4,420,600 | 7,138 |
| Average total loans | $35,060,800 | 6,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3121% | 1,109 |
| Cost of funding earning assets | 1.8527% | 4,135 |
| Net interest margin | 4.4594% | 1,297 |
| Noninterest income to average assets | 0.7084% | 2,962 |
| Noninterest expense to average assets | 3.8947% | 1,435 |
| Loan and lease loss provision to assets | 0.0726% | 6,630 |
| Net operating income to assets | 0.4774% | 4,082 |
| Return on assets (ROA) | 0.4774% | 4,182 |
| Pretax return on assets | 0.5008% | 4,517 |
| Return on Equity (ROE) | 5.5836% | 3,704 |
| Retained earnings to average equity (ytd only) | 0.1213% | 5,149 |
| Net charge-offs to loans | 0.2077% | 4,739 |
| Credit loss provision to net charge-offs | 51.8519% | 6,283 |
| Earnings coverage of net charge-offs (x) | 4.0925% | 3,265 |
| Efficiency ratio | 86.4111% | 2,020 |
| Assets per employee ($millions) | 2.2834% | 7,520 |
| Cash dividends to net income (ytd only)* | 97.8233% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,721 |
| Loan loss allowance to noncurrent loans | 729.6875% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 7,239 |
| Noncurrent loans to loans | 0.1734% | 7,060 |
| Net loans and leases to total assets | 69.3838% | 3,635 |
| Net loans and leases to deposits | 76.8771% | 4,911 |
| Net loans and leases to core deposits | 88.7069% | 5,564 |
| Total domestic deposits to total assets | 90.2529% | 684 |
| Equity capital to assets | 8.4790% | 6,275 |
| Core capital (leverage) ratio | 8.1909% | 6,029 |
| Tier 1 risk-based capital ratio | 10.4428% | 6,536 |
| Total risk-based capital ratio | 11.5696% | 6,603 |
| Memoranda: | ||
| Average total assets | $51,385,250 | 6,711 |
| Average earning assets | $43,323,250 | 6,848 |
| Average equity | $4,393,750 | 7,217 |
| Average total loans | $34,662,750 | 6,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1910% | 1,486 |
| Cost of funding earning assets | 1.8712% | 4,414 |
| Net interest margin | 4.3199% | 1,598 |
| Noninterest income to average assets | 0.7058% | 2,958 |
| Noninterest expense to average assets | 3.9680% | 1,374 |
| Loan and lease loss provision to assets | 0.0627% | 6,583 |
| Net operating income to assets | 0.3215% | 4,803 |
| Return on assets (ROA) | 0.3215% | 4,917 |
| Pretax return on assets | 0.3411% | 5,095 |
| Return on Equity (ROE) | 3.7494% | 4,599 |
| Retained earnings to average equity (ytd only) | -3.5665% | 6,055 |
| Net charge-offs to loans | -0.0059% | 7,544 |
| Credit loss provision to net charge-offs | -1,600.0000% | 7,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9552% | 1,817 |
| Assets per employee ($millions) | 2.1979% | 7,673 |
| Cash dividends to net income (ytd only)* | 195.1220% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,324 |
| Loan loss allowance to noncurrent loans | 386.3636% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 6,854 |
| Noncurrent loans to loans | 0.3821% | 6,552 |
| Net loans and leases to total assets | 64.5251% | 4,874 |
| Net loans and leases to deposits | 71.2712% | 5,838 |
| Net loans and leases to core deposits | 81.7863% | 6,261 |
| Total domestic deposits to total assets | 90.5346% | 614 |
| Equity capital to assets | 8.2540% | 6,410 |
| Core capital (leverage) ratio | 8.0331% | 6,267 |
| Tier 1 risk-based capital ratio | 11.3012% | 5,596 |
| Total risk-based capital ratio | 12.5536% | 5,492 |
| Memoranda: | ||
| Average total assets | $51,007,670 | 6,787 |
| Average earning assets | $43,288,330 | 6,911 |
| Average equity | $4,374,000 | 7,285 |
| Average total loans | $33,915,000 | 6,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0342% | 2,219 |
| Cost of funding earning assets | 1.8903% | 4,678 |
| Net interest margin | 4.1438% | 2,108 |
| Noninterest income to average assets | 0.6941% | 2,926 |
| Noninterest expense to average assets | 3.8136% | 1,446 |
| Loan and lease loss provision to assets | 0.0319% | 6,532 |
| Net operating income to assets | 0.3830% | 4,931 |
| Return on assets (ROA) | 0.3830% | 5,113 |
| Pretax return on assets | 0.3989% | 5,399 |
| Return on Equity (ROE) | 4.3796% | 4,758 |
| Retained earnings to average equity (ytd only) | -10.2190% | 7,133 |
| Net charge-offs to loans | -0.0357% | 7,605 |
| Credit loss provision to net charge-offs | -133.3333% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0977% | 1,800 |
| Assets per employee ($millions) | 2.3661% | 7,503 |
| Cash dividends to net income (ytd only)* | 333.3333% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 2,819 |
| Loan loss allowance to noncurrent loans | 180.5054% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 5,892 |
| Noncurrent loans to loans | 0.8473% | 5,330 |
| Net loans and leases to total assets | 61.8454% | 5,366 |
| Net loans and leases to deposits | 68.3199% | 6,149 |
| Net loans and leases to core deposits | 78.9547% | 6,464 |
| Total domestic deposits to total assets | 90.5233% | 581 |
| Equity capital to assets | 8.3490% | 6,314 |
| Core capital (leverage) ratio | 8.2326% | 6,027 |
| Tier 1 risk-based capital ratio | 11.7830% | 5,143 |
| Total risk-based capital ratio | 13.0362% | 5,057 |
| Memoranda: | ||
| Average total assets | $50,136,500 | 6,859 |
| Average earning assets | $42,955,500 | 6,976 |
| Average equity | $4,384,000 | 7,322 |
| Average total loans | $33,599,000 | 6,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2310% | 689 |
| Cost of funding earning assets | 2.2225% | 5,497 |
| Net interest margin | 5.0085% | 495 |
| Noninterest income to average assets | 0.8590% | 2,170 |
| Noninterest expense to average assets | 4.3214% | 1,019 |
| Loan and lease loss provision to assets | 0.0910% | 6,241 |
| Net operating income to assets | 0.6970% | 3,906 |
| Return on assets (ROA) | 0.6992% | 3,731 |
| Pretax return on assets | 0.7302% | 4,303 |
| Return on Equity (ROE) | 7.3106% | 3,365 |
| Retained earnings to average equity (ytd only) | 1.9727% | 4,006 |
| Net charge-offs to loans | -0.0591% | 8,043 |
| Credit loss provision to net charge-offs | -215.7895% | 7,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2902% | 2,141 |
| Assets per employee ($millions) | 2.0965% | 7,827 |
| Cash dividends to net income (ytd only)* | 73.0159% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 3,030 |
| Loan loss allowance to noncurrent loans | 365.1852% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 6,464 |
| Noncurrent loans to loans | 0.3912% | 6,171 |
| Net loans and leases to total assets | 70.5365% | 3,898 |
| Net loans and leases to deposits | 78.5841% | 5,255 |
| Net loans and leases to core deposits | 89.5076% | 5,845 |
| Total domestic deposits to total assets | 89.7592% | 742 |
| Equity capital to assets | 9.1707% | 5,126 |
| Core capital (leverage) ratio | 8.8336% | 4,991 |
| Tier 1 risk-based capital ratio | 11.6483% | 5,102 |
| Total risk-based capital ratio | 12.8997% | 4,994 |
| Memoranda: | ||
| Average total assets | $45,054,600 | 6,987 |
| Average earning assets | $38,514,600 | 7,111 |
| Average equity | $4,308,800 | 7,386 |
| Average total loans | $32,155,600 | 6,601 |