Home > Security State Bank of Howard Lake > Performance and Condition Ratios
Security State Bank of Howard Lake, 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 | 5.0088% | 3,040 |
| Cost of funding earning assets | 1.1242% | 2,802 |
| Net interest margin | 3.8846% | 3,459 |
| Noninterest income to average assets | 0.4591% | 4,226 |
| Noninterest expense to average assets | 2.3364% | 5,942 |
| Loan and lease loss provision to assets | 0.4540% | 2,192 |
| Net operating income to assets | 1.1776% | 1,719 |
| Return on assets (ROA) | 1.2476% | 1,628 |
| Pretax return on assets | 1.2476% | 2,461 |
| Return on Equity (ROE) | 12.7014% | 1,358 |
| Retained earnings to average equity (ytd only) | 10.1646% | 799 |
| Net charge-offs to loans | 0.2658% | 3,779 |
| Credit loss provision to net charge-offs | 274.2268% | 1,045 |
| Earnings coverage of net charge-offs (x) | 9.8556% | 1,997 |
| Efficiency ratio | 58.8817% | 5,882 |
| Assets per employee ($millions) | 4.9618% | 2,242 |
| Cash dividends to net income (ytd only)* | 19.9725% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 1,433 |
| Loan loss allowance to noncurrent loans | 87.5912% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 3,143 |
| Noncurrent loans to loans | 2.8238% | 2,465 |
| Net loans and leases to total assets | 59.6009% | 4,207 |
| Net loans and leases to deposits | 72.5194% | 3,885 |
| Net loans and leases to core deposits | 78.6032% | 3,813 |
| Total domestic deposits to total assets | 82.1862% | 5,020 |
| Equity capital to assets | 10.2534% | 4,015 |
| Core capital (leverage) ratio | 9.5664% | 4,046 |
| Tier 1 risk-based capital ratio | 14.3591% | 4,086 |
| Total risk-based capital ratio | 15.6212% | 4,040 |
| Memoranda: | ||
| Average total assets | $78,123,750 | 5,549 |
| Average earning assets | $70,567,750 | 5,564 |
| Average equity | $7,673,500 | 5,698 |
| Average total loans | $48,660,500 | 5,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 3,311 |
| Cost of funding earning assets | 1.1497% | 2,903 |
| Net interest margin | 3.8210% | 3,684 |
| Noninterest income to average assets | 0.6126% | 3,050 |
| Noninterest expense to average assets | 2.4246% | 5,767 |
| Loan and lease loss provision to assets | 0.6847% | 1,396 |
| Net operating income to assets | 0.9421% | 2,473 |
| Return on assets (ROA) | 0.9421% | 2,566 |
| Pretax return on assets | 0.9421% | 3,465 |
| Return on Equity (ROE) | 9.7366% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.7366% | 910 |
| Net charge-offs to loans | 0.1232% | 4,487 |
| Credit loss provision to net charge-offs | 886.6667% | 362 |
| Earnings coverage of net charge-offs (x) | 21.0667% | 1,166 |
| Efficiency ratio | 59.8475% | 5,896 |
| Assets per employee ($millions) | 4.9939% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5691% | 1,342 |
| Loan loss allowance to noncurrent loans | 56.9438% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.2552% | 2,056 |
| Noncurrent loans to loans | 4.5117% | 1,468 |
| Net loans and leases to total assets | 60.1349% | 4,247 |
| Net loans and leases to deposits | 72.9485% | 3,964 |
| Net loans and leases to core deposits | 78.9981% | 3,932 |
| Total domestic deposits to total assets | 82.4347% | 5,006 |
| Equity capital to assets | 9.8758% | 4,300 |
| Core capital (leverage) ratio | 9.4988% | 3,960 |
| Tier 1 risk-based capital ratio | 13.7470% | 4,345 |
| Total risk-based capital ratio | 15.0115% | 4,306 |
| Memoranda: | ||
| Average total assets | $77,702,330 | 5,605 |
| Average earning assets | $69,929,000 | 5,631 |
| Average equity | $7,518,000 | 5,761 |
| Average total loans | $48,708,670 | 5,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 2,837 |
| Cost of funding earning assets | 1.2241% | 2,660 |
| Net interest margin | 3.8298% | 3,467 |
| Noninterest income to average assets | 0.6527% | 2,826 |
| Noninterest expense to average assets | 2.3863% | 5,922 |
| Loan and lease loss provision to assets | 1.3890% | 477 |
| Net operating income to assets | 0.3081% | 5,371 |
| Return on assets (ROA) | 0.3081% | 5,443 |
| Pretax return on assets | 0.3081% | 5,633 |
| Return on Equity (ROE) | 3.2190% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.2190% | 4,241 |
| Net charge-offs to loans | 0.3058% | 2,823 |
| Credit loss provision to net charge-offs | 718.9189% | 534 |
| Earnings coverage of net charge-offs (x) | 8.7838% | 1,788 |
| Efficiency ratio | 58.4399% | 6,213 |
| Assets per employee ($millions) | 5.0815% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5582% | 1,372 |
| Loan loss allowance to noncurrent loans | 60.2294% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.2379% | 2,121 |
| Noncurrent loans to loans | 4.2474% | 1,679 |
| Net loans and leases to total assets | 62.9661% | 3,671 |
| Net loans and leases to deposits | 75.9014% | 3,435 |
| Net loans and leases to core deposits | 83.8983% | 3,173 |
| Total domestic deposits to total assets | 82.9577% | 4,951 |
| Equity capital to assets | 9.7216% | 4,145 |
| Core capital (leverage) ratio | 9.1589% | 4,360 |
| Tier 1 risk-based capital ratio | 13.2902% | 4,587 |
| Total risk-based capital ratio | 14.5546% | 4,553 |
| Memoranda: | ||
| Average total assets | $76,602,500 | 5,680 |
| Average earning assets | $68,620,000 | 5,710 |
| Average equity | $7,331,500 | 5,832 |
| Average total loans | $48,405,000 | 5,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 3,580 |
| Cost of funding earning assets | 1.5487% | 2,358 |
| Net interest margin | 3.6560% | 4,545 |
| Noninterest income to average assets | 0.8446% | 2,083 |
| Noninterest expense to average assets | 2.6188% | 5,338 |
| Loan and lease loss provision to assets | 0.5276% | 3,040 |
| Net operating income to assets | 0.9804% | 2,105 |
| Return on assets (ROA) | 0.9917% | 2,173 |
| Pretax return on assets | 0.9968% | 2,937 |
| Return on Equity (ROE) | 10.1146% | 1,881 |
| Retained earnings to average equity (ytd only) | 1.4745% | 4,796 |
| Net charge-offs to loans | 1.9404% | 1,057 |
| Credit loss provision to net charge-offs | 42.0627% | 6,357 |
| Earnings coverage of net charge-offs (x) | 1.2063% | 4,902 |
| Efficiency ratio | 63.3824% | 5,447 |
| Assets per employee ($millions) | 4.8114% | 2,406 |
| Cash dividends to net income (ytd only)* | 85.4220% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1680% | 1,925 |
| Loan loss allowance to noncurrent loans | 71.5475% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 2,869 |
| Noncurrent loans to loans | 3.0301% | 2,518 |
| Net loans and leases to total assets | 60.4354% | 4,598 |
| Net loans and leases to deposits | 73.1525% | 4,336 |
| Net loans and leases to core deposits | 81.5113% | 3,975 |
| Total domestic deposits to total assets | 82.6156% | 4,970 |
| Equity capital to assets | 9.4216% | 4,517 |
| Core capital (leverage) ratio | 8.7095% | 5,001 |
| Tier 1 risk-based capital ratio | 13.5744% | 4,148 |
| Total risk-based capital ratio | 14.8342% | 4,110 |
| Memoranda: | ||
| Average total assets | $78,853,600 | 5,623 |
| Average earning assets | $70,896,600 | 5,637 |
| Average equity | $7,731,400 | 5,795 |
| Average total loans | $50,967,800 | 5,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 3,815 |
| Cost of funding earning assets | 1.6083% | 2,338 |
| Net interest margin | 3.5944% | 4,902 |
| Noninterest income to average assets | 0.9379% | 1,654 |
| Noninterest expense to average assets | 2.4306% | 5,939 |
| Loan and lease loss provision to assets | -0.6236% | 7,753 |
| Net operating income to assets | 2.3700% | 169 |
| Return on assets (ROA) | 2.3700% | 177 |
| Pretax return on assets | 2.3768% | 282 |
| Return on Equity (ROE) | 23.9454% | 140 |
| Retained earnings to average equity (ytd only) | 13.9767% | 277 |
| Net charge-offs to loans | 1.0446% | 1,937 |
| Credit loss provision to net charge-offs | -91.3793% | 6,906 |
| Earnings coverage of net charge-offs (x) | 2.5690% | 3,870 |
| Efficiency ratio | 58.0956% | 6,257 |
| Assets per employee ($millions) | 4.7561% | 2,514 |
| Cash dividends to net income (ytd only)* | 41.6314% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 3,325 |
| Loan loss allowance to noncurrent loans | 30.3152% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 3.8341% | 1,852 |
| Noncurrent loans to loans | 5.4489% | 1,224 |
| Net loans and leases to total assets | 60.8982% | 4,738 |
| Net loans and leases to deposits | 74.8412% | 4,370 |
| Net loans and leases to core deposits | 84.5897% | 3,863 |
| Total domestic deposits to total assets | 81.3699% | 5,248 |
| Equity capital to assets | 10.0553% | 4,085 |
| Core capital (leverage) ratio | 9.4117% | 4,040 |
| Tier 1 risk-based capital ratio | 14.0744% | 3,776 |
| Total risk-based capital ratio | 15.3273% | 3,752 |
| Memoranda: | ||
| Average total assets | $79,321,250 | 5,680 |
| Average earning assets | $71,628,500 | 5,678 |
| Average equity | $7,851,000 | 5,845 |
| Average total loans | $51,820,750 | 5,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 3,343 |
| Cost of funding earning assets | 1.7102% | 2,069 |
| Net interest margin | 3.6153% | 4,753 |
| Noninterest income to average assets | 1.1978% | 899 |
| Noninterest expense to average assets | 2.4717% | 5,825 |
| Loan and lease loss provision to assets | -1.0988% | 7,824 |
| Net operating income to assets | 3.0656% | 77 |
| Return on assets (ROA) | 3.0656% | 79 |
| Pretax return on assets | 3.0707% | 117 |
| Return on Equity (ROE) | 31.1420% | 51 |
| Retained earnings to average equity (ytd only) | 25.2900% | 45 |
| Net charge-offs to loans | 1.3357% | 1,419 |
| Credit loss provision to net charge-offs | -123.7143% | 6,688 |
| Earnings coverage of net charge-offs (x) | 2.2200% | 3,900 |
| Efficiency ratio | 55.6254% | 6,686 |
| Assets per employee ($millions) | 4.5522% | 2,786 |
| Cash dividends to net income (ytd only)* | 18.7914% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,452 |
| Loan loss allowance to noncurrent loans | 59.4497% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0804% | 3,405 |
| Noncurrent loans to loans | 2.6880% | 2,964 |
| Net loans and leases to total assets | 65.3280% | 3,978 |
| Net loans and leases to deposits | 81.4106% | 3,359 |
| Net loans and leases to core deposits | 93.0947% | 2,834 |
| Total domestic deposits to total assets | 80.2450% | 5,656 |
| Equity capital to assets | 10.5378% | 3,364 |
| Core capital (leverage) ratio | 9.8591% | 3,330 |
| Tier 1 risk-based capital ratio | 14.3918% | 3,497 |
| Total risk-based capital ratio | 15.6450% | 3,465 |
| Memoranda: | ||
| Average total assets | $78,810,670 | 5,730 |
| Average earning assets | $70,754,000 | 5,747 |
| Average equity | $7,758,000 | 5,883 |
| Average total loans | $52,406,000 | 5,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 3,167 |
| Cost of funding earning assets | 1.7992% | 1,877 |
| Net interest margin | 3.5757% | 4,832 |
| Noninterest income to average assets | 1.3229% | 689 |
| Noninterest expense to average assets | 2.2233% | 6,623 |
| Loan and lease loss provision to assets | -3.1840% | 7,931 |
| Net operating income to assets | 5.4526% | 36 |
| Return on assets (ROA) | 5.4526% | 38 |
| Pretax return on assets | 5.4626% | 48 |
| Return on Equity (ROE) | 57.3583% | 20 |
| Retained earnings to average equity (ytd only) | 51.8024% | 17 |
| Net charge-offs to loans | 2.4112% | 693 |
| Credit loss provision to net charge-offs | -198.4326% | 6,128 |
| Earnings coverage of net charge-offs (x) | 1.4201% | 3,893 |
| Efficiency ratio | 49.3855% | 7,350 |
| Assets per employee ($millions) | 4.6363% | 2,738 |
| Cash dividends to net income (ytd only)* | 9.6863% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,101 |
| Loan loss allowance to noncurrent loans | 195.2096% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 5,188 |
| Noncurrent loans to loans | 0.6495% | 6,025 |
| Net loans and leases to total assets | 64.4138% | 4,241 |
| Net loans and leases to deposits | 81.5265% | 3,365 |
| Net loans and leases to core deposits | 94.4258% | 2,779 |
| Total domestic deposits to total assets | 79.0096% | 6,077 |
| Equity capital to assets | 10.2288% | 3,562 |
| Core capital (leverage) ratio | 9.6924% | 3,526 |
| Tier 1 risk-based capital ratio | 14.1570% | 3,561 |
| Total risk-based capital ratio | 15.3393% | 3,562 |
| Memoranda: | ||
| Average total assets | $79,522,000 | 5,783 |
| Average earning assets | $70,700,000 | 5,824 |
| Average equity | $7,559,500 | 5,992 |
| Average total loans | $52,920,500 | 5,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 3,109 |
| Cost of funding earning assets | 2.2157% | 1,965 |
| Net interest margin | 3.4824% | 5,028 |
| Noninterest income to average assets | 0.5089% | 4,344 |
| Noninterest expense to average assets | 2.5372% | 5,999 |
| Loan and lease loss provision to assets | 1.2593% | 1,834 |
| Net operating income to assets | -0.2749% | 5,938 |
| Return on assets (ROA) | -0.2650% | 5,919 |
| Pretax return on assets | -0.2650% | 5,794 |
| Return on Equity (ROE) | -2.8873% | 5,966 |
| Retained earnings to average equity (ytd only) | -5.3428% | 6,065 |
| Net charge-offs to loans | 0.3987% | 4,229 |
| Credit loss provision to net charge-offs | 462.2727% | 673 |
| Earnings coverage of net charge-offs (x) | 3.6136% | 3,272 |
| Efficiency ratio | 72.0464% | 4,254 |
| Assets per employee ($millions) | 4.7192% | 2,589 |
| Cash dividends to net income (ytd only)* | -85.0467% | 7,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9474% | 812 |
| Loan loss allowance to noncurrent loans | 226.8741% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 4.8649% | 1,285 |
| Noncurrent loans to loans | 1.2992% | 4,759 |
| Net loans and leases to total assets | 65.8332% | 4,196 |
| Net loans and leases to deposits | 80.3004% | 3,933 |
| Net loans and leases to core deposits | 112.2121% | 2,678 |
| Total domestic deposits to total assets | 81.9836% | 4,956 |
| Equity capital to assets | 8.7963% | 5,446 |
| Core capital (leverage) ratio | 8.2765% | 5,661 |
| Tier 1 risk-based capital ratio | 11.5011% | 5,390 |
| Total risk-based capital ratio | 12.7695% | 5,338 |
| Memoranda: | ||
| Average total assets | $80,758,200 | 5,707 |
| Average earning assets | $69,865,600 | 5,817 |
| Average equity | $7,411,800 | 6,122 |
| Average total loans | $55,174,800 | 5,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6483% | 3,586 |
| Cost of funding earning assets | 2.2894% | 2,021 |
| Net interest margin | 3.3588% | 5,413 |
| Noninterest income to average assets | 0.4615% | 4,810 |
| Noninterest expense to average assets | 2.5317% | 5,964 |
| Loan and lease loss provision to assets | 0.1352% | 6,009 |
| Net operating income to assets | 0.6989% | 3,216 |
| Return on assets (ROA) | 0.6824% | 3,325 |
| Pretax return on assets | 0.6824% | 3,918 |
| Return on Equity (ROE) | 7.3594% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.1373% | 2,406 |
| Net charge-offs to loans | 0.2264% | 4,639 |
| Credit loss provision to net charge-offs | 87.2340% | 5,558 |
| Earnings coverage of net charge-offs (x) | 5.3830% | 2,837 |
| Efficiency ratio | 75.2204% | 3,655 |
| Assets per employee ($millions) | 4.5342% | 2,811 |
| Cash dividends to net income (ytd only)* | 30.1926% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,961 |
| Loan loss allowance to noncurrent loans | 28.6332% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 6.3615% | 806 |
| Noncurrent loans to loans | 4.8810% | 1,382 |
| Net loans and leases to total assets | 68.6361% | 3,815 |
| Net loans and leases to deposits | 85.6047% | 3,399 |
| Net loans and leases to core deposits | 117.3348% | 2,485 |
| Total domestic deposits to total assets | 80.1779% | 5,374 |
| Equity capital to assets | 9.5974% | 4,622 |
| Core capital (leverage) ratio | 9.0890% | 4,511 |
| Tier 1 risk-based capital ratio | 12.0549% | 4,923 |
| Total risk-based capital ratio | 13.3049% | 4,863 |
| Memoranda: | ||
| Average total assets | $80,891,000 | 5,732 |
| Average earning assets | $69,943,250 | 5,848 |
| Average equity | $7,500,500 | 6,145 |
| Average total loans | $55,363,500 | 5,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 3,228 |
| Cost of funding earning assets | 2.4061% | 1,945 |
| Net interest margin | 3.3575% | 5,328 |
| Noninterest income to average assets | 0.3670% | 5,577 |
| Noninterest expense to average assets | 2.6584% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5877% | 3,728 |
| Return on assets (ROA) | 0.5629% | 3,948 |
| Pretax return on assets | 0.5629% | 4,433 |
| Return on Equity (ROE) | 6.1437% | 3,580 |
| Retained earnings to average equity (ytd only) | 2.9501% | 3,682 |
| Net charge-offs to loans | 0.3426% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.5213% | 3,806 |
| Efficiency ratio | 81.8946% | 2,737 |
| Assets per employee ($millions) | 4.5441% | 2,704 |
| Cash dividends to net income (ytd only)* | 51.9824% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,390 |
| Loan loss allowance to noncurrent loans | 36.3405% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 6.0848% | 793 |
| Noncurrent loans to loans | 3.5250% | 1,986 |
| Net loans and leases to total assets | 67.1773% | 4,321 |
| Net loans and leases to deposits | 82.4473% | 4,151 |
| Net loans and leases to core deposits | 113.7007% | 2,945 |
| Total domestic deposits to total assets | 81.4791% | 4,902 |
| Equity capital to assets | 9.0691% | 5,217 |
| Core capital (leverage) ratio | 9.2131% | 4,289 |
| Tier 1 risk-based capital ratio | 11.8223% | 5,081 |
| Total risk-based capital ratio | 12.9718% | 5,102 |
| Memoranda: | ||
| Average total assets | $80,649,330 | 5,778 |
| Average earning assets | $69,157,670 | 5,917 |
| Average equity | $7,389,670 | 6,228 |
| Average total loans | $54,880,670 | 5,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8462% | 3,050 |
| Cost of funding earning assets | 2.5629% | 1,683 |
| Net interest margin | 3.2833% | 5,554 |
| Noninterest income to average assets | 0.3796% | 5,386 |
| Noninterest expense to average assets | 2.3427% | 6,398 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8142% | 3,070 |
| Return on assets (ROA) | 0.7643% | 3,455 |
| Pretax return on assets | 0.7643% | 4,212 |
| Return on Equity (ROE) | 8.2977% | 3,017 |
| Retained earnings to average equity (ytd only) | 5.2064% | 3,012 |
| Net charge-offs to loans | 0.6974% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.7158% | 3,873 |
| Efficiency ratio | 74.2089% | 3,789 |
| Assets per employee ($millions) | 4.4276% | 2,833 |
| Cash dividends to net income (ytd only)* | 37.2549% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,818 |
| Loan loss allowance to noncurrent loans | 53.9394% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 5.5673% | 756 |
| Noncurrent loans to loans | 2.4957% | 2,635 |
| Net loans and leases to total assets | 65.4730% | 4,710 |
| Net loans and leases to deposits | 80.3622% | 4,555 |
| Net loans and leases to core deposits | 106.3704% | 3,864 |
| Total domestic deposits to total assets | 81.4723% | 4,756 |
| Equity capital to assets | 9.3354% | 4,879 |
| Core capital (leverage) ratio | 9.1726% | 4,447 |
| Tier 1 risk-based capital ratio | 12.2091% | 4,784 |
| Total risk-based capital ratio | 13.3968% | 4,720 |
| Memoranda: | ||
| Average total assets | $80,077,000 | 5,818 |
| Average earning assets | $67,736,500 | 5,985 |
| Average equity | $7,375,500 | 6,267 |
| Average total loans | $54,491,000 | 5,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0026% | 1,126 |
| Cost of funding earning assets | 3.0109% | 1,836 |
| Net interest margin | 3.9917% | 3,155 |
| Noninterest income to average assets | 0.4556% | 5,001 |
| Noninterest expense to average assets | 2.4898% | 6,047 |
| Loan and lease loss provision to assets | 0.3526% | 3,575 |
| Net operating income to assets | 1.0698% | 2,256 |
| Return on assets (ROA) | 1.0698% | 2,170 |
| Pretax return on assets | 1.0698% | 3,137 |
| Return on Equity (ROE) | 12.2336% | 1,542 |
| Retained earnings to average equity (ytd only) | -5.7635% | 6,636 |
| Net charge-offs to loans | 0.7629% | 1,627 |
| Credit loss provision to net charge-offs | 66.7431% | 6,125 |
| Earnings coverage of net charge-offs (x) | 2.6927% | 4,734 |
| Efficiency ratio | 63.6420% | 5,636 |
| Assets per employee ($millions) | 4.4698% | 2,662 |
| Cash dividends to net income (ytd only)* | 147.1121% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,980 |
| Loan loss allowance to noncurrent loans | 59.7335% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 5.6701% | 557 |
| Noncurrent loans to loans | 2.4086% | 2,275 |
| Net loans and leases to total assets | 68.7112% | 4,317 |
| Net loans and leases to deposits | 84.7522% | 4,302 |
| Net loans and leases to core deposits | 110.7632% | 3,710 |
| Total domestic deposits to total assets | 81.0731% | 4,609 |
| Equity capital to assets | 9.0868% | 5,247 |
| Core capital (leverage) ratio | 8.9830% | 4,769 |
| Tier 1 risk-based capital ratio | 11.3879% | 5,345 |
| Total risk-based capital ratio | 12.6379% | 5,250 |
| Memoranda: | ||
| Average total assets | $82,536,400 | 5,612 |
| Average earning assets | $71,473,600 | 5,761 |
| Average equity | $7,217,800 | 6,376 |
| Average total loans | $57,153,600 | 5,400 |