Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 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 | 3.4140% | 5,877 |
| Cost of funding earning assets | 0.5711% | 3,211 |
| Net interest margin | 2.8429% | 5,918 |
| Noninterest income to average assets | 0.0237% | 6,742 |
| Noninterest expense to average assets | 2.5452% | 4,579 |
| Loan and lease loss provision to assets | 0.7786% | 279 |
| Net operating income to assets | -0.6126% | 6,670 |
| Return on assets (ROA) | -0.6126% | 6,683 |
| Pretax return on assets | -0.6047% | 6,660 |
| Return on Equity (ROE) | -8.0242% | 6,709 |
| Retained earnings to average equity (ytd only) | -8.0242% | 6,611 |
| Net charge-offs to loans | 2.6327% | 136 |
| Credit loss provision to net charge-offs | 45.8140% | 3,297 |
| Earnings coverage of net charge-offs (x) | 0.1023% | 4,511 |
| Efficiency ratio | 93.6047% | 780 |
| Assets per employee ($millions) | 4.1023% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6464% | 831 |
| Loan loss allowance to noncurrent loans | 42.7033% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 5.5172% | 531 |
| Noncurrent loans to loans | 6.1972% | 434 |
| Net loans and leases to total assets | 59.2590% | 3,788 |
| Net loans and leases to deposits | 64.2187% | 4,469 |
| Net loans and leases to core deposits | 64.2187% | 4,868 |
| Total domestic deposits to total assets | 92.2768% | 213 |
| Equity capital to assets | 7.5506% | 6,421 |
| Core capital (leverage) ratio | 7.4838% | 6,461 |
| Tier 1 risk-based capital ratio | 9.5066% | 6,719 |
| Total risk-based capital ratio | 10.7540% | 6,702 |
| Memoranda: | ||
| Average total assets | $50,604,670 | 6,110 |
| Average earning assets | $47,979,000 | 6,043 |
| Average equity | $3,863,330 | 6,481 |
| Average total loans | $32,666,330 | 5,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 5,905 |
| Cost of funding earning assets | 0.5927% | 3,174 |
| Net interest margin | 2.8234% | 5,987 |
| Noninterest income to average assets | 0.0234% | 6,803 |
| Noninterest expense to average assets | 2.4175% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2729% | 5,654 |
| Return on assets (ROA) | 0.2729% | 5,775 |
| Pretax return on assets | 0.2807% | 5,899 |
| Return on Equity (ROE) | 3.5565% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,106 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5954% | 1,177 |
| Assets per employee ($millions) | 3.9460% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2173% | 533 |
| Loan loss allowance to noncurrent loans | 52.6965% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 5.5519% | 617 |
| Noncurrent loans to loans | 6.1054% | 539 |
| Net loans and leases to total assets | 60.1661% | 3,401 |
| Net loans and leases to deposits | 65.2916% | 4,151 |
| Net loans and leases to core deposits | 65.2916% | 4,614 |
| Total domestic deposits to total assets | 92.1498% | 222 |
| Equity capital to assets | 7.7196% | 6,514 |
| Core capital (leverage) ratio | 7.4849% | 6,480 |
| Tier 1 risk-based capital ratio | 11.1462% | 6,343 |
| Total risk-based capital ratio | 12.4157% | 6,313 |
| Memoranda: | ||
| Average total assets | $51,293,000 | 6,148 |
| Average earning assets | $48,593,500 | 6,083 |
| Average equity | $3,936,500 | 6,533 |
| Average total loans | $34,017,000 | 5,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 4,260 |
| Cost of funding earning assets | 0.7498% | 3,091 |
| Net interest margin | 3.5340% | 4,358 |
| Noninterest income to average assets | -0.3485% | 7,006 |
| Noninterest expense to average assets | 3.0570% | 3,067 |
| Loan and lease loss provision to assets | 1.5596% | 196 |
| Net operating income to assets | -1.6538% | 6,891 |
| Return on assets (ROA) | -1.6255% | 6,897 |
| Pretax return on assets | -1.6255% | 6,879 |
| Return on Equity (ROE) | -19.7718% | 6,879 |
| Retained earnings to average equity (ytd only) | -19.7718% | 6,845 |
| Net charge-offs to loans | 1.8654% | 416 |
| Credit loss provision to net charge-offs | 117.9487% | 2,439 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 5,524 |
| Efficiency ratio | 103.1786% | 458 |
| Assets per employee ($millions) | 3.9452% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8386% | 793 |
| Loan loss allowance to noncurrent loans | 47.6987% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 6.2978% | 530 |
| Noncurrent loans to loans | 5.9512% | 602 |
| Net loans and leases to total assets | 68.4722% | 2,104 |
| Net loans and leases to deposits | 74.2405% | 3,054 |
| Net loans and leases to core deposits | 74.2405% | 3,750 |
| Total domestic deposits to total assets | 92.2302% | 207 |
| Equity capital to assets | 7.6295% | 6,579 |
| Core capital (leverage) ratio | 7.2444% | 6,616 |
| Tier 1 risk-based capital ratio | 9.9939% | 6,704 |
| Total risk-based capital ratio | 11.2607% | 6,664 |
| Memoranda: | ||
| Average total assets | $53,091,000 | 6,115 |
| Average earning assets | $49,745,400 | 6,063 |
| Average equity | $4,364,800 | 6,473 |
| Average total loans | $37,633,600 | 5,607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 4,508 |
| Cost of funding earning assets | 0.7515% | 3,342 |
| Net interest margin | 3.5337% | 4,509 |
| Noninterest income to average assets | -0.3686% | 7,110 |
| Noninterest expense to average assets | 2.9758% | 3,320 |
| Loan and lease loss provision to assets | 2.0619% | 108 |
| Net operating income to assets | -2.1042% | 7,050 |
| Return on assets (ROA) | -2.1042% | 7,060 |
| Pretax return on assets | -2.1042% | 7,046 |
| Return on Equity (ROE) | -25.1609% | 7,040 |
| Retained earnings to average equity (ytd only) | -25.1609% | 7,029 |
| Net charge-offs to loans | 2.4627% | 254 |
| Credit loss provision to net charge-offs | 117.9487% | 2,456 |
| Earnings coverage of net charge-offs (x) | -0.0242% | 5,340 |
| Efficiency ratio | 101.4431% | 501 |
| Assets per employee ($millions) | 4.0212% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 946 |
| Loan loss allowance to noncurrent loans | 52.5884% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 5.4423% | 788 |
| Noncurrent loans to loans | 5.2057% | 849 |
| Net loans and leases to total assets | 69.7299% | 1,967 |
| Net loans and leases to deposits | 75.5451% | 3,051 |
| Net loans and leases to core deposits | 75.5451% | 3,785 |
| Total domestic deposits to total assets | 92.3024% | 175 |
| Equity capital to assets | 7.5943% | 6,749 |
| Core capital (leverage) ratio | 7.3325% | 6,705 |
| Tier 1 risk-based capital ratio | 11.9620% | 5,958 |
| Total risk-based capital ratio | 13.2343% | 5,932 |
| Memoranda: | ||
| Average total assets | $53,541,750 | 6,170 |
| Average earning assets | $50,032,000 | 6,116 |
| Average equity | $4,477,750 | 6,517 |
| Average total loans | $38,006,000 | 5,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 4,381 |
| Cost of funding earning assets | 0.7619% | 3,505 |
| Net interest margin | 3.5871% | 4,320 |
| Noninterest income to average assets | -0.2483% | 7,143 |
| Noninterest expense to average assets | 2.9724% | 3,363 |
| Loan and lease loss provision to assets | 1.3342% | 295 |
| Net operating income to assets | -1.2045% | 6,960 |
| Return on assets (ROA) | -1.2045% | 6,975 |
| Pretax return on assets | -1.2045% | 6,945 |
| Return on Equity (ROE) | -13.9875% | 6,966 |
| Retained earnings to average equity (ytd only) | -13.9875% | 6,923 |
| Net charge-offs to loans | 2.1843% | 360 |
| Credit loss provision to net charge-offs | 86.3309% | 3,151 |
| Earnings coverage of net charge-offs (x) | 0.0839% | 5,038 |
| Efficiency ratio | 95.8184% | 710 |
| Assets per employee ($millions) | 4.0735% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 1,754 |
| Loan loss allowance to noncurrent loans | 71.1392% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 4.1317% | 1,215 |
| Noncurrent loans to loans | 3.0983% | 1,901 |
| Net loans and leases to total assets | 70.6322% | 1,799 |
| Net loans and leases to deposits | 77.1758% | 2,806 |
| Net loans and leases to core deposits | 77.1758% | 3,632 |
| Total domestic deposits to total assets | 91.5213% | 307 |
| Equity capital to assets | 8.3466% | 6,339 |
| Core capital (leverage) ratio | 8.1251% | 6,129 |
| Tier 1 risk-based capital ratio | 12.6966% | 5,417 |
| Total risk-based capital ratio | 13.9608% | 5,379 |
| Memoranda: | ||
| Average total assets | $53,963,670 | 6,187 |
| Average earning assets | $50,402,670 | 6,144 |
| Average equity | $4,647,000 | 6,501 |
| Average total loans | $38,182,000 | 5,680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 4,019 |
| Cost of funding earning assets | 0.7667% | 3,725 |
| Net interest margin | 3.7069% | 3,796 |
| Noninterest income to average assets | -0.8152% | 7,273 |
| Noninterest expense to average assets | 2.9963% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3672% | 6,747 |
| Return on assets (ROA) | -0.3672% | 6,789 |
| Pretax return on assets | -0.3672% | 6,765 |
| Return on Equity (ROE) | -4.2012% | 6,821 |
| Retained earnings to average equity (ytd only) | -4.2012% | 6,521 |
| Net charge-offs to loans | 3.4391% | 192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1524% | 4,420 |
| Efficiency ratio | 113.9665% | 288 |
| Assets per employee ($millions) | 4.2559% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,960 |
| Loan loss allowance to noncurrent loans | 60.9159% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 4.0541% | 1,351 |
| Noncurrent loans to loans | 2.5380% | 2,565 |
| Net loans and leases to total assets | 65.8377% | 2,496 |
| Net loans and leases to deposits | 72.0693% | 3,427 |
| Net loans and leases to core deposits | 72.0693% | 4,143 |
| Total domestic deposits to total assets | 91.3532% | 421 |
| Equity capital to assets | 8.5654% | 6,023 |
| Core capital (leverage) ratio | 8.5591% | 5,498 |
| Tier 1 risk-based capital ratio | 14.0340% | 4,449 |
| Total risk-based capital ratio | 15.2907% | 4,408 |
| Memoranda: | ||
| Average total assets | $54,467,500 | 6,212 |
| Average earning assets | $50,609,000 | 6,167 |
| Average equity | $4,760,500 | 6,494 |
| Average total loans | $38,149,500 | 5,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 3,428 |
| Cost of funding earning assets | 0.9354% | 3,837 |
| Net interest margin | 3.9496% | 3,109 |
| Noninterest income to average assets | 0.2084% | 6,026 |
| Noninterest expense to average assets | 3.0406% | 3,432 |
| Loan and lease loss provision to assets | 1.4180% | 542 |
| Net operating income to assets | -0.5513% | 6,524 |
| Return on assets (ROA) | -0.5513% | 6,565 |
| Pretax return on assets | -0.5753% | 6,539 |
| Return on Equity (ROE) | -5.8314% | 6,570 |
| Retained earnings to average equity (ytd only) | -5.8314% | 6,495 |
| Net charge-offs to loans | 0.8670% | 2,001 |
| Credit loss provision to net charge-offs | 214.2061% | 1,142 |
| Earnings coverage of net charge-offs (x) | 1.2730% | 4,826 |
| Efficiency ratio | 78.3001% | 2,554 |
| Assets per employee ($millions) | 4.1237% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 1,631 |
| Loan loss allowance to noncurrent loans | 57.7664% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 5.7566% | 880 |
| Noncurrent loans to loans | 3.9643% | 1,578 |
| Net loans and leases to total assets | 71.6330% | 1,705 |
| Net loans and leases to deposits | 78.7374% | 2,722 |
| Net loans and leases to core deposits | 78.7374% | 3,598 |
| Total domestic deposits to total assets | 90.9771% | 518 |
| Equity capital to assets | 8.9203% | 5,653 |
| Core capital (leverage) ratio | 8.7629% | 5,155 |
| Tier 1 risk-based capital ratio | 12.4648% | 5,481 |
| Total risk-based capital ratio | 13.7282% | 5,454 |
| Memoranda: | ||
| Average total assets | $54,232,000 | 6,225 |
| Average earning assets | $50,461,400 | 6,174 |
| Average equity | $5,127,400 | 6,400 |
| Average total loans | $41,405,800 | 5,621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 3,258 |
| Cost of funding earning assets | 0.9720% | 3,873 |
| Net interest margin | 3.9958% | 2,928 |
| Noninterest income to average assets | 0.3751% | 4,867 |
| Noninterest expense to average assets | 2.8878% | 3,984 |
| Loan and lease loss provision to assets | 0.4780% | 2,078 |
| Net operating income to assets | 0.6913% | 3,670 |
| Return on assets (ROA) | 0.6913% | 3,835 |
| Pretax return on assets | 0.7281% | 4,386 |
| Return on Equity (ROE) | 7.2115% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.2115% | 1,861 |
| Net charge-offs to loans | 0.1495% | 4,573 |
| Credit loss provision to net charge-offs | 414.8936% | 685 |
| Earnings coverage of net charge-offs (x) | 10.4672% | 1,912 |
| Efficiency ratio | 70.5389% | 3,848 |
| Assets per employee ($millions) | 3.9431% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,668 |
| Loan loss allowance to noncurrent loans | 38.0668% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 7.0893% | 694 |
| Noncurrent loans to loans | 4.2036% | 1,562 |
| Net loans and leases to total assets | 76.5373% | 902 |
| Net loans and leases to deposits | 85.5943% | 1,737 |
| Net loans and leases to core deposits | 85.5943% | 2,830 |
| Total domestic deposits to total assets | 89.4187% | 1,182 |
| Equity capital to assets | 10.4702% | 3,743 |
| Core capital (leverage) ratio | 10.1221% | 3,284 |
| Tier 1 risk-based capital ratio | 14.3481% | 4,092 |
| Total risk-based capital ratio | 15.6047% | 4,051 |
| Memoranda: | ||
| Average total assets | $54,388,000 | 6,267 |
| Average earning assets | $50,618,500 | 6,217 |
| Average equity | $5,213,750 | 6,429 |
| Average total loans | $41,932,000 | 5,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 3,791 |
| Cost of funding earning assets | 0.9965% | 3,975 |
| Net interest margin | 3.8667% | 3,458 |
| Noninterest income to average assets | 0.3139% | 5,388 |
| Noninterest expense to average assets | 2.7277% | 4,716 |
| Loan and lease loss provision to assets | 0.7036% | 1,343 |
| Net operating income to assets | 0.4835% | 4,576 |
| Return on assets (ROA) | 0.4835% | 4,722 |
| Pretax return on assets | 0.5087% | 5,037 |
| Return on Equity (ROE) | 5.1911% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.1911% | 2,881 |
| Net charge-offs to loans | 0.2346% | 3,715 |
| Credit loss provision to net charge-offs | 390.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 6.7200% | 2,347 |
| Efficiency ratio | 69.2308% | 4,282 |
| Assets per employee ($millions) | 4.0720% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,803 |
| Loan loss allowance to noncurrent loans | 49.7259% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 6.1112% | 914 |
| Noncurrent loans to loans | 3.1664% | 2,267 |
| Net loans and leases to total assets | 74.9868% | 1,245 |
| Net loans and leases to deposits | 83.2617% | 2,224 |
| Net loans and leases to core deposits | 83.2617% | 3,327 |
| Total domestic deposits to total assets | 90.0616% | 942 |
| Equity capital to assets | 9.8402% | 4,344 |
| Core capital (leverage) ratio | 9.6273% | 3,771 |
| Tier 1 risk-based capital ratio | 13.8528% | 4,270 |
| Total risk-based capital ratio | 15.1085% | 4,233 |
| Memoranda: | ||
| Average total assets | $55,430,670 | 6,279 |
| Average earning assets | $51,981,670 | 6,221 |
| Average equity | $5,162,670 | 6,478 |
| Average total loans | $42,619,000 | 5,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 4,159 |
| Cost of funding earning assets | 1.0212% | 4,056 |
| Net interest margin | 3.7568% | 3,811 |
| Noninterest income to average assets | 0.2894% | 5,599 |
| Noninterest expense to average assets | 2.7524% | 4,635 |
| Loan and lease loss provision to assets | 0.2541% | 3,116 |
| Net operating income to assets | 0.7975% | 3,047 |
| Return on assets (ROA) | 0.7975% | 3,117 |
| Pretax return on assets | 0.8398% | 3,743 |
| Return on Equity (ROE) | 8.7946% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.7946% | 1,454 |
| Net charge-offs to loans | 0.5210% | 2,181 |
| Credit loss provision to net charge-offs | 63.1579% | 3,488 |
| Earnings coverage of net charge-offs (x) | 2.7193% | 2,993 |
| Efficiency ratio | 71.5596% | 3,951 |
| Assets per employee ($millions) | 4.2426% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 6,087 |
| Loan loss allowance to noncurrent loans | 24.0390% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 5.1166% | 1,226 |
| Noncurrent loans to loans | 4.5291% | 1,541 |
| Net loans and leases to total assets | 77.2528% | 835 |
| Net loans and leases to deposits | 85.3680% | 1,826 |
| Net loans and leases to core deposits | 85.3680% | 2,980 |
| Total domestic deposits to total assets | 90.4939% | 842 |
| Equity capital to assets | 9.4155% | 4,548 |
| Core capital (leverage) ratio | 8.8474% | 4,859 |
| Tier 1 risk-based capital ratio | 13.2057% | 4,662 |
| Total risk-based capital ratio | 14.3999% | 4,689 |
| Memoranda: | ||
| Average total assets | $56,678,000 | 6,291 |
| Average earning assets | $53,663,000 | 6,210 |
| Average equity | $5,139,500 | 6,510 |
| Average total loans | $43,763,500 | 5,668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 4,949 |
| Cost of funding earning assets | 1.5506% | 2,347 |
| Net interest margin | 3.3633% | 5,751 |
| Noninterest income to average assets | 0.3651% | 5,187 |
| Noninterest expense to average assets | 3.2168% | 3,026 |
| Loan and lease loss provision to assets | 1.9597% | 677 |
| Net operating income to assets | -1.5361% | 6,918 |
| Return on assets (ROA) | -1.5361% | 6,938 |
| Pretax return on assets | -1.6067% | 6,895 |
| Return on Equity (ROE) | -19.6875% | 7,033 |
| Retained earnings to average equity (ytd only) | -19.6875% | 7,007 |
| Net charge-offs to loans | 2.6916% | 675 |
| Credit loss provision to net charge-offs | 91.0400% | 5,083 |
| Earnings coverage of net charge-offs (x) | 0.1640% | 5,949 |
| Efficiency ratio | 90.1110% | 1,317 |
| Assets per employee ($millions) | 4.4771% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,945 |
| Loan loss allowance to noncurrent loans | 25.8712% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 5.0445% | 1,262 |
| Noncurrent loans to loans | 4.2610% | 1,702 |
| Net loans and leases to total assets | 75.5301% | 1,368 |
| Net loans and leases to deposits | 82.8715% | 2,648 |
| Net loans and leases to core deposits | 82.8715% | 3,768 |
| Total domestic deposits to total assets | 91.1412% | 533 |
| Equity capital to assets | 8.7385% | 5,527 |
| Core capital (leverage) ratio | 8.6866% | 5,043 |
| Tier 1 risk-based capital ratio | 12.5725% | 4,957 |
| Total risk-based capital ratio | 13.7869% | 4,982 |
| Memoranda: | ||
| Average total assets | $58,069,400 | 6,274 |
| Average earning assets | $55,333,000 | 6,162 |
| Average equity | $4,530,800 | 6,805 |
| Average total loans | $46,440,400 | 5,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 4,888 |
| Cost of funding earning assets | 1.6476% | 2,121 |
| Net interest margin | 3.3385% | 5,890 |
| Noninterest income to average assets | 0.3538% | 5,331 |
| Noninterest expense to average assets | 3.0877% | 3,389 |
| Loan and lease loss provision to assets | 0.4365% | 3,291 |
| Net operating income to assets | 0.0184% | 5,959 |
| Return on assets (ROA) | 0.0184% | 6,080 |
| Pretax return on assets | 0.0184% | 6,063 |
| Return on Equity (ROE) | 0.2429% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.2429% | 5,684 |
| Net charge-offs to loans | 0.3579% | 3,871 |
| Credit loss provision to net charge-offs | 150.7937% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 4,545 |
| Efficiency ratio | 87.1595% | 1,517 |
| Assets per employee ($millions) | 4.2978% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,297 |
| Loan loss allowance to noncurrent loans | 16.8139% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 8.1169% | 615 |
| Noncurrent loans to loans | 8.5221% | 584 |
| Net loans and leases to total assets | 81.9978% | 495 |
| Net loans and leases to deposits | 89.0264% | 1,853 |
| Net loans and leases to core deposits | 89.4733% | 3,169 |
| Total domestic deposits to total assets | 92.1050% | 178 |
| Equity capital to assets | 7.7715% | 6,955 |
| Core capital (leverage) ratio | 7.3839% | 6,952 |
| Tier 1 risk-based capital ratio | 9.3498% | 7,289 |
| Total risk-based capital ratio | 10.6030% | 7,300 |
| Memoranda: | ||
| Average total assets | $58,036,250 | 6,350 |
| Average earning assets | $55,433,500 | 6,217 |
| Average equity | $4,392,000 | 6,947 |
| Average total loans | $46,938,000 | 5,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 5,033 |
| Cost of funding earning assets | 1.6990% | 2,121 |
| Net interest margin | 3.2808% | 6,077 |
| Noninterest income to average assets | 0.3506% | 5,346 |
| Noninterest expense to average assets | 2.7945% | 4,508 |
| Loan and lease loss provision to assets | 0.5446% | 2,599 |
| Net operating income to assets | 0.1464% | 5,736 |
| Return on assets (ROA) | 0.1464% | 5,850 |
| Pretax return on assets | 0.1532% | 5,877 |
| Return on Equity (ROE) | 1.9507% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.9507% | 4,893 |
| Net charge-offs to loans | 0.5351% | 2,925 |
| Credit loss provision to net charge-offs | 126.9841% | 3,168 |
| Earnings coverage of net charge-offs (x) | 1.6270% | 4,280 |
| Efficiency ratio | 80.0195% | 2,442 |
| Assets per employee ($millions) | 4.4498% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,609 |
| Loan loss allowance to noncurrent loans | 16.5195% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 7.0426% | 751 |
| Noncurrent loans to loans | 8.2531% | 619 |
| Net loans and leases to total assets | 79.5412% | 867 |
| Net loans and leases to deposits | 86.1973% | 2,478 |
| Net loans and leases to core deposits | 86.1973% | 3,803 |
| Total domestic deposits to total assets | 92.2780% | 178 |
| Equity capital to assets | 7.5854% | 7,068 |
| Core capital (leverage) ratio | 7.6497% | 6,674 |
| Tier 1 risk-based capital ratio | 9.3836% | 7,310 |
| Total risk-based capital ratio | 10.6345% | 7,309 |
| Memoranda: | ||
| Average total assets | $58,758,000 | 6,360 |
| Average earning assets | $56,267,000 | 6,231 |
| Average equity | $4,408,670 | 6,977 |
| Average total loans | $47,091,000 | 5,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 4,319 |
| Cost of funding earning assets | 1.7057% | 2,361 |
| Net interest margin | 3.4396% | 5,429 |
| Noninterest income to average assets | 0.2770% | 5,934 |
| Noninterest expense to average assets | 2.5805% | 5,432 |
| Loan and lease loss provision to assets | 0.2027% | 4,474 |
| Net operating income to assets | 0.7498% | 3,213 |
| Return on assets (ROA) | 0.7498% | 3,318 |
| Pretax return on assets | 0.7904% | 3,906 |
| Return on Equity (ROE) | 10.0475% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.0475% | 1,130 |
| Net charge-offs to loans | 0.2790% | 3,296 |
| Credit loss provision to net charge-offs | 90.9091% | 3,642 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 2,621 |
| Efficiency ratio | 72.2117% | 3,890 |
| Assets per employee ($millions) | 4.7997% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 5,031 |
| Loan loss allowance to noncurrent loans | 32.3959% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 3.3223% | 2,152 |
| Noncurrent loans to loans | 3.9618% | 1,985 |
| Net loans and leases to total assets | 73.8381% | 2,007 |
| Net loans and leases to deposits | 79.6763% | 3,715 |
| Net loans and leases to core deposits | 79.6763% | 4,802 |
| Total domestic deposits to total assets | 92.6726% | 145 |
| Equity capital to assets | 7.1607% | 7,306 |
| Core capital (leverage) ratio | 7.5397% | 6,810 |
| Tier 1 risk-based capital ratio | 9.2495% | 7,409 |
| Total risk-based capital ratio | 10.5010% | 7,406 |
| Memoranda: | ||
| Average total assets | $59,213,000 | 6,419 |
| Average earning assets | $56,750,500 | 6,288 |
| Average equity | $4,419,000 | 7,028 |
| Average total loans | $47,312,000 | 5,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 2,825 |
| Cost of funding earning assets | 2.0235% | 2,852 |
| Net interest margin | 3.7349% | 3,977 |
| Noninterest income to average assets | 0.3674% | 5,463 |
| Noninterest expense to average assets | 2.8887% | 4,572 |
| Loan and lease loss provision to assets | 0.3374% | 4,780 |
| Net operating income to assets | 0.6711% | 3,053 |
| Return on assets (ROA) | 0.6711% | 3,110 |
| Pretax return on assets | 0.7086% | 3,538 |
| Return on Equity (ROE) | 8.2129% | 2,284 |
| Retained earnings to average equity (ytd only) | 1.3306% | 4,112 |
| Net charge-offs to loans | 0.0648% | 6,460 |
| Credit loss provision to net charge-offs | 620.6897% | 476 |
| Earnings coverage of net charge-offs (x) | 19.2414% | 1,091 |
| Efficiency ratio | 73.4159% | 4,016 |
| Assets per employee ($millions) | 4.3100% | 3,257 |
| Cash dividends to net income (ytd only)* | 83.7989% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,020 |
| Loan loss allowance to noncurrent loans | 52.6684% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.4398% | 2,852 |
| Noncurrent loans to loans | 2.3836% | 3,184 |
| Net loans and leases to total assets | 84.5101% | 394 |
| Net loans and leases to deposits | 91.8385% | 1,922 |
| Net loans and leases to core deposits | 99.3558% | 4,066 |
| Total domestic deposits to total assets | 92.0203% | 264 |
| Equity capital to assets | 7.7994% | 6,767 |
| Core capital (leverage) ratio | 7.6337% | 6,642 |
| Tier 1 risk-based capital ratio | 9.0915% | 7,432 |
| Total risk-based capital ratio | 10.3607% | 7,439 |
| Memoranda: | ||
| Average total assets | $53,346,600 | 6,584 |
| Average earning assets | $50,952,200 | 6,496 |
| Average equity | $4,359,000 | 7,158 |
| Average total loans | $44,778,600 | 5,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 2,806 |
| Cost of funding earning assets | 2.0921% | 2,924 |
| Net interest margin | 3.7270% | 3,961 |
| Noninterest income to average assets | 0.3771% | 5,494 |
| Noninterest expense to average assets | 2.9336% | 4,300 |
| Loan and lease loss provision to assets | 0.1139% | 6,229 |
| Net operating income to assets | 0.8353% | 2,676 |
| Return on assets (ROA) | 0.8353% | 2,736 |
| Pretax return on assets | 0.8783% | 3,287 |
| Return on Equity (ROE) | 10.1002% | 1,879 |
| Retained earnings to average equity (ytd only) | 0.9182% | 4,794 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7260% | 3,736 |
| Assets per employee ($millions) | 4.1710% | 3,429 |
| Cash dividends to net income (ytd only)* | 90.9089% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,915 |
| Loan loss allowance to noncurrent loans | 38.9631% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 2,516 |
| Noncurrent loans to loans | 2.7412% | 2,765 |
| Net loans and leases to total assets | 84.7316% | 458 |
| Net loans and leases to deposits | 92.3906% | 2,171 |
| Net loans and leases to core deposits | 99.8175% | 4,397 |
| Total domestic deposits to total assets | 91.7102% | 221 |
| Equity capital to assets | 8.0372% | 6,817 |
| Core capital (leverage) ratio | 8.1240% | 6,145 |
| Tier 1 risk-based capital ratio | 9.4951% | 7,377 |
| Total risk-based capital ratio | 10.5934% | 7,450 |
| Memoranda: | ||
| Average total assets | $52,675,750 | 6,651 |
| Average earning assets | $50,155,000 | 6,573 |
| Average equity | $4,356,250 | 7,232 |
| Average total loans | $43,985,000 | 5,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 2,870 |
| Cost of funding earning assets | 2.1578% | 2,997 |
| Net interest margin | 3.6783% | 4,054 |
| Noninterest income to average assets | 0.3566% | 5,656 |
| Noninterest expense to average assets | 2.9640% | 4,234 |
| Loan and lease loss provision to assets | 0.1150% | 5,993 |
| Net operating income to assets | 0.7324% | 3,125 |
| Return on assets (ROA) | 0.7324% | 3,229 |
| Pretax return on assets | 0.7745% | 3,765 |
| Return on Equity (ROE) | 8.7702% | 2,437 |
| Retained earnings to average equity (ytd only) | -5.0050% | 6,300 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9154% | 3,523 |
| Assets per employee ($millions) | 4.0642% | 3,564 |
| Cash dividends to net income (ytd only)* | 157.0681% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,588 |
| Loan loss allowance to noncurrent loans | 29.7281% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 3.0624% | 2,064 |
| Noncurrent loans to loans | 3.7035% | 1,878 |
| Net loans and leases to total assets | 81.7772% | 992 |
| Net loans and leases to deposits | 89.1767% | 2,958 |
| Net loans and leases to core deposits | 94.9333% | 5,012 |
| Total domestic deposits to total assets | 91.7025% | 272 |
| Equity capital to assets | 8.0098% | 6,739 |
| Core capital (leverage) ratio | 7.7993% | 6,614 |
| Tier 1 risk-based capital ratio | 9.8008% | 7,136 |
| Total risk-based capital ratio | 10.9373% | 7,181 |
| Memoranda: | ||
| Average total assets | $52,160,000 | 6,740 |
| Average earning assets | $49,588,330 | 6,649 |
| Average equity | $4,355,670 | 7,290 |
| Average total loans | $43,166,670 | 6,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0036% | 2,346 |
| Cost of funding earning assets | 2.1564% | 3,383 |
| Net interest margin | 3.8472% | 3,257 |
| Noninterest income to average assets | 0.3319% | 5,789 |
| Noninterest expense to average assets | 2.7787% | 4,657 |
| Loan and lease loss provision to assets | 0.1158% | 5,488 |
| Net operating income to assets | 1.0111% | 2,264 |
| Return on assets (ROA) | 1.0111% | 2,403 |
| Pretax return on assets | 1.0729% | 3,088 |
| Return on Equity (ROE) | 11.8619% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.8619% | 816 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0389% | 4,569 |
| Assets per employee ($millions) | 4.1579% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,504 |
| Loan loss allowance to noncurrent loans | 44.2545% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 2,987 |
| Noncurrent loans to loans | 2.4774% | 2,655 |
| Net loans and leases to total assets | 77.7737% | 1,873 |
| Net loans and leases to deposits | 85.0011% | 3,822 |
| Net loans and leases to core deposits | 90.0135% | 5,552 |
| Total domestic deposits to total assets | 91.4972% | 278 |
| Equity capital to assets | 8.2771% | 6,421 |
| Core capital (leverage) ratio | 8.4334% | 5,652 |
| Tier 1 risk-based capital ratio | 11.3067% | 5,590 |
| Total risk-based capital ratio | 12.5074% | 5,549 |
| Memoranda: | ||
| Average total assets | $51,822,500 | 6,791 |
| Average earning assets | $48,970,500 | 6,710 |
| Average equity | $4,417,500 | 7,315 |
| Average total loans | $42,906,000 | 6,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3773% | 3,537 |
| Cost of funding earning assets | 2.6567% | 3,388 |
| Net interest margin | 3.7206% | 4,384 |
| Noninterest income to average assets | 0.4274% | 5,234 |
| Noninterest expense to average assets | 2.7738% | 4,936 |
| Loan and lease loss provision to assets | 0.4999% | 2,813 |
| Net operating income to assets | 0.6108% | 4,258 |
| Return on assets (ROA) | 0.6108% | 4,122 |
| Pretax return on assets | 0.6431% | 4,566 |
| Return on Equity (ROE) | 7.0626% | 3,500 |
| Retained earnings to average equity (ytd only) | -3.4497% | 6,220 |
| Net charge-offs to loans | 0.1413% | 4,805 |
| Credit loss provision to net charge-offs | 435.0877% | 1,004 |
| Earnings coverage of net charge-offs (x) | 9.9474% | 2,605 |
| Efficiency ratio | 70.8183% | 4,173 |
| Assets per employee ($millions) | 3.8148% | 3,925 |
| Cash dividends to net income (ytd only)* | 148.8449% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,707 |
| Loan loss allowance to noncurrent loans | 42.0709% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 2,262 |
| Noncurrent loans to loans | 2.4754% | 2,208 |
| Net loans and leases to total assets | 86.4172% | 549 |
| Net loans and leases to deposits | 94.9423% | 2,627 |
| Net loans and leases to core deposits | 100.5584% | 4,771 |
| Total domestic deposits to total assets | 91.0207% | 322 |
| Equity capital to assets | 8.7938% | 5,662 |
| Core capital (leverage) ratio | 8.5633% | 5,461 |
| Tier 1 risk-based capital ratio | 10.7164% | 5,989 |
| Total risk-based capital ratio | 11.8534% | 6,001 |
| Memoranda: | ||
| Average total assets | $49,606,600 | 6,792 |
| Average earning assets | $46,524,600 | 6,742 |
| Average equity | $4,290,200 | 7,394 |
| Average total loans | $40,335,800 | 6,153 |