Home > State Bank of Bird Island > Performance and Condition Ratios
State Bank of Bird Island, Performance and Condition Ratios
| 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 | 3.5713% | 6,949 |
| Cost of funding earning assets | 0.1754% | 7,260 |
| Net interest margin | 3.3959% | 5,493 |
| Noninterest income to average assets | 0.2839% | 5,501 |
| Noninterest expense to average assets | 2.4660% | 5,580 |
| Loan and lease loss provision to assets | 0.1481% | 4,760 |
| Net operating income to assets | 0.6250% | 3,859 |
| Return on assets (ROA) | 0.7035% | 3,660 |
| Pretax return on assets | 0.8195% | 3,914 |
| Return on Equity (ROE) | 7.1630% | 3,328 |
| Retained earnings to average equity (ytd only) | -10.7570% | 6,721 |
| Net charge-offs to loans | 0.0224% | 6,130 |
| Credit loss provision to net charge-offs | 2,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 118.3333% | 276 |
| Efficiency ratio | 70.0886% | 3,942 |
| Assets per employee ($millions) | 4.9784% | 2,233 |
| Cash dividends to net income (ytd only)* | 250.1754% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 7,160 |
| Loan loss allowance to noncurrent loans | 277.2727% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 6,839 |
| Noncurrent loans to loans | 0.1481% | 6,447 |
| Net loans and leases to total assets | 33.0090% | 6,911 |
| Net loans and leases to deposits | 38.1156% | 6,945 |
| Net loans and leases to core deposits | 38.1156% | 7,001 |
| Total domestic deposits to total assets | 86.6022% | 2,976 |
| Equity capital to assets | 8.7645% | 5,835 |
| Core capital (leverage) ratio | 8.0440% | 6,211 |
| Tier 1 risk-based capital ratio | 14.4501% | 4,005 |
| Total risk-based capital ratio | 14.7309% | 4,672 |
| Memoranda: | ||
| Average total assets | $40,511,400 | 6,656 |
| Average earning assets | $36,485,200 | 6,655 |
| Average equity | $3,978,800 | 6,751 |
| Average total loans | $13,404,000 | 6,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 7,001 |
| Cost of funding earning assets | 0.1931% | 7,334 |
| Net interest margin | 3.4317% | 5,455 |
| Noninterest income to average assets | 0.3043% | 5,428 |
| Noninterest expense to average assets | 2.4545% | 5,613 |
| Loan and lease loss provision to assets | 0.1521% | 4,554 |
| Net operating income to assets | 0.6839% | 3,696 |
| Return on assets (ROA) | 0.7877% | 3,388 |
| Pretax return on assets | 0.9466% | 3,599 |
| Return on Equity (ROE) | 7.7826% | 3,145 |
| Retained earnings to average equity (ytd only) | -16.0326% | 7,013 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8501% | 4,352 |
| Assets per employee ($millions) | 4.3533% | 3,173 |
| Cash dividends to net income (ytd only)* | 306.0066% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4485% | 7,196 |
| Loan loss allowance to noncurrent loans | 213.0435% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,902 |
| Noncurrent loans to loans | 0.2105% | 6,450 |
| Net loans and leases to total assets | 27.7616% | 7,155 |
| Net loans and leases to deposits | 30.8454% | 7,202 |
| Net loans and leases to core deposits | 30.8454% | 7,219 |
| Total domestic deposits to total assets | 90.0026% | 862 |
| Equity capital to assets | 9.8724% | 4,519 |
| Core capital (leverage) ratio | 7.7503% | 6,596 |
| Tier 1 risk-based capital ratio | 17.7848% | 2,337 |
| Total risk-based capital ratio | 18.0682% | 2,686 |
| Memoranda: | ||
| Average total assets | $39,437,750 | 6,756 |
| Average earning assets | $35,899,500 | 6,740 |
| Average equity | $3,991,750 | 6,803 |
| Average total loans | $13,042,250 | 7,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 7,018 |
| Cost of funding earning assets | 0.2175% | 7,399 |
| Net interest margin | 3.4799% | 5,248 |
| Noninterest income to average assets | 0.2783% | 5,658 |
| Noninterest expense to average assets | 2.4896% | 5,585 |
| Loan and lease loss provision to assets | 0.1518% | 4,412 |
| Net operating income to assets | 0.5551% | 4,287 |
| Return on assets (ROA) | 0.5516% | 4,435 |
| Pretax return on assets | 0.7894% | 4,071 |
| Return on Equity (ROE) | 5.4054% | 4,252 |
| Retained earnings to average equity (ytd only) | -29.9529% | 7,235 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7776% | 4,373 |
| Assets per employee ($millions) | 4.5169% | 2,805 |
| Cash dividends to net income (ytd only)* | 654.1284% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2837% | 7,359 |
| Loan loss allowance to noncurrent loans | 425.0000% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 7,065 |
| Noncurrent loans to loans | 0.0667% | 6,816 |
| Net loans and leases to total assets | 29.4008% | 7,200 |
| Net loans and leases to deposits | 32.4324% | 7,266 |
| Net loans and leases to core deposits | 32.4324% | 7,290 |
| Total domestic deposits to total assets | 90.6524% | 657 |
| Equity capital to assets | 9.2419% | 5,219 |
| Core capital (leverage) ratio | 7.6869% | 6,599 |
| Tier 1 risk-based capital ratio | 15.8888% | 3,037 |
| Total risk-based capital ratio | 16.0727% | 3,564 |
| Memoranda: | ||
| Average total assets | $39,523,670 | 6,805 |
| Average earning assets | $35,863,000 | 6,804 |
| Average equity | $4,033,000 | 6,838 |
| Average total loans | $13,747,670 | 7,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 7,043 |
| Cost of funding earning assets | 0.2839% | 7,407 |
| Net interest margin | 3.4412% | 5,256 |
| Noninterest income to average assets | 0.2669% | 5,761 |
| Noninterest expense to average assets | 2.6797% | 4,918 |
| Loan and lease loss provision to assets | 0.1540% | 4,098 |
| Net operating income to assets | 0.1027% | 6,089 |
| Return on assets (ROA) | 0.1027% | 6,142 |
| Pretax return on assets | 0.5442% | 4,885 |
| Return on Equity (ROE) | 0.9590% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.9590% | 5,446 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3799% | 3,268 |
| Assets per employee ($millions) | 3.6184% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1569% | 7,461 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 7,106 |
| Noncurrent loans to loans | 0.0908% | 6,820 |
| Net loans and leases to total assets | 30.3754% | 7,218 |
| Net loans and leases to deposits | 33.9359% | 7,273 |
| Net loans and leases to core deposits | 33.9359% | 7,308 |
| Total domestic deposits to total assets | 89.5081% | 1,477 |
| Equity capital to assets | 10.4291% | 3,256 |
| Core capital (leverage) ratio | 9.0488% | 4,536 |
| Tier 1 risk-based capital ratio | 18.6975% | 1,898 |
| Total risk-based capital ratio | 18.7979% | 2,239 |
| Memoranda: | ||
| Average total assets | $38,959,500 | 6,871 |
| Average earning assets | $35,220,000 | 6,869 |
| Average equity | $4,171,000 | 6,820 |
| Average total loans | $14,628,500 | 7,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2117% | 7,640 |
| Cost of funding earning assets | 0.0163% | 7,628 |
| Net interest margin | 0.1954% | 7,632 |
| Noninterest income to average assets | 1.9897% | 399 |
| Noninterest expense to average assets | 0.1786% | 7,639 |
| Loan and lease loss provision to assets | 0.0077% | 7,001 |
| Net operating income to assets | 1.9872% | 286 |
| Return on assets (ROA) | 1.9872% | 300 |
| Pretax return on assets | 1.9872% | 490 |
| Return on Equity (ROE) | 16.3080% | 550 |
| Retained earnings to average equity (ytd only) | 16.3080% | 93 |
| Net charge-offs to loans | -0.0065% | 7,290 |
| Credit loss provision to net charge-offs | -300.0000% | 7,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.7465% | 7,640 |
| Assets per employee ($millions) | 3.8117% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0233% | 7,572 |
| Loan loss allowance to noncurrent loans | 4.0404% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,599 |
| Noncurrent loans to loans | 0.5773% | 5,900 |
| Net loans and leases to total assets | 44.9773% | 6,638 |
| Net loans and leases to deposits | 50.5544% | 6,825 |
| Net loans and leases to core deposits | 50.5544% | 6,959 |
| Total domestic deposits to total assets | 88.9682% | 1,680 |
| Equity capital to assets | 10.9951% | 2,691 |
| Core capital (leverage) ratio | 9.4678% | 3,744 |
| Tier 1 risk-based capital ratio | 15.2198% | 3,141 |
| Total risk-based capital ratio | 15.2371% | 3,846 |
| Memoranda: | ||
| Average total assets | $39,201,800 | 6,894 |
| Average earning assets | $36,849,600 | 6,842 |
| Average equity | $4,776,800 | 6,736 |
| Average total loans | $15,352,600 | 7,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 7,458 |
| Cost of funding earning assets | 0.4822% | 7,468 |
| Net interest margin | 3.1983% | 6,347 |
| Noninterest income to average assets | 0.3411% | 5,440 |
| Noninterest expense to average assets | 2.6515% | 5,108 |
| Loan and lease loss provision to assets | 0.0540% | 6,529 |
| Net operating income to assets | 0.5674% | 4,017 |
| Return on assets (ROA) | 0.5506% | 4,260 |
| Pretax return on assets | 0.6620% | 4,377 |
| Return on Equity (ROE) | 4.4144% | 4,591 |
| Retained earnings to average equity (ytd only) | 0.0270% | 5,767 |
| Net charge-offs to loans | 0.0626% | 5,886 |
| Credit loss provision to net charge-offs | 228.5714% | 1,502 |
| Earnings coverage of net charge-offs (x) | 31.1533% | 854 |
| Efficiency ratio | 78.2652% | 2,590 |
| Assets per employee ($millions) | 3.0475% | 6,032 |
| Cash dividends to net income (ytd only)* | 99.3834% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,192 |
| Loan loss allowance to noncurrent loans | 279.0323% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 6,935 |
| Noncurrent loans to loans | 0.4501% | 6,289 |
| Net loans and leases to total assets | 37.1944% | 7,220 |
| Net loans and leases to deposits | 43.2469% | 7,261 |
| Net loans and leases to core deposits | 43.2469% | 7,345 |
| Total domestic deposits to total assets | 86.0049% | 3,070 |
| Equity capital to assets | 13.7080% | 1,277 |
| Core capital (leverage) ratio | 12.3782% | 1,468 |
| Tier 1 risk-based capital ratio | 25.4573% | 826 |
| Total risk-based capital ratio | 26.3747% | 835 |
| Memoranda: | ||
| Average total assets | $39,473,000 | 6,967 |
| Average earning assets | $37,603,000 | 6,890 |
| Average equity | $4,923,250 | 6,778 |
| Average total loans | $14,903,750 | 7,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 7,564 |
| Cost of funding earning assets | 0.4787% | 7,569 |
| Net interest margin | 3.1480% | 6,468 |
| Noninterest income to average assets | 0.3363% | 5,461 |
| Noninterest expense to average assets | 2.6360% | 5,187 |
| Loan and lease loss provision to assets | 0.0396% | 6,565 |
| Net operating income to assets | 0.5440% | 4,123 |
| Return on assets (ROA) | 0.5440% | 4,271 |
| Pretax return on assets | 0.6528% | 4,388 |
| Return on Equity (ROE) | 4.4959% | 4,543 |
| Retained earnings to average equity (ytd only) | -2.1253% | 6,165 |
| Net charge-offs to loans | 0.0654% | 5,488 |
| Credit loss provision to net charge-offs | 160.0000% | 2,459 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 961 |
| Efficiency ratio | 79.1976% | 2,548 |
| Assets per employee ($millions) | 3.2440% | 5,566 |
| Cash dividends to net income (ytd only)* | 147.2727% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,702 |
| Loan loss allowance to noncurrent loans | 269.3548% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 6,987 |
| Noncurrent loans to loans | 0.4261% | 6,389 |
| Net loans and leases to total assets | 36.9528% | 7,325 |
| Net loans and leases to deposits | 42.3961% | 7,382 |
| Net loans and leases to core deposits | 42.3961% | 7,445 |
| Total domestic deposits to total assets | 87.1609% | 2,452 |
| Equity capital to assets | 12.6464% | 1,714 |
| Core capital (leverage) ratio | 12.0478% | 1,617 |
| Tier 1 risk-based capital ratio | 23.4160% | 1,005 |
| Total risk-based capital ratio | 24.2394% | 1,049 |
| Memoranda: | ||
| Average total assets | $40,440,670 | 6,984 |
| Average earning assets | $38,437,000 | 6,910 |
| Average equity | $4,893,330 | 6,816 |
| Average total loans | $15,280,000 | 7,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 7,687 |
| Cost of funding earning assets | 0.4718% | 7,708 |
| Net interest margin | 3.0973% | 6,599 |
| Noninterest income to average assets | 0.3204% | 5,585 |
| Noninterest expense to average assets | 2.5633% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5923% | 3,924 |
| Return on assets (ROA) | 0.5923% | 4,070 |
| Pretax return on assets | 0.6894% | 4,272 |
| Return on Equity (ROE) | 5.0015% | 4,359 |
| Retained earnings to average equity (ytd only) | -8.2812% | 6,851 |
| Net charge-offs to loans | 0.0256% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 437 |
| Efficiency ratio | 78.8060% | 2,759 |
| Assets per employee ($millions) | 3.6030% | 4,810 |
| Cash dividends to net income (ytd only)* | 265.5738% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,848 |
| Loan loss allowance to noncurrent loans | 271.6667% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 7,100 |
| Noncurrent loans to loans | 0.4170% | 6,461 |
| Net loans and leases to total assets | 35.8943% | 7,426 |
| Net loans and leases to deposits | 40.9511% | 7,488 |
| Net loans and leases to core deposits | 40.9511% | 7,554 |
| Total domestic deposits to total assets | 87.6517% | 2,260 |
| Equity capital to assets | 12.2020% | 1,933 |
| Core capital (leverage) ratio | 11.5137% | 1,902 |
| Tier 1 risk-based capital ratio | 23.7830% | 985 |
| Total risk-based capital ratio | 24.6078% | 1,004 |
| Memoranda: | ||
| Average total assets | $41,197,000 | 7,048 |
| Average earning assets | $39,001,500 | 6,971 |
| Average equity | $4,878,500 | 6,885 |
| Average total loans | $15,644,000 | 7,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 7,806 |
| Cost of funding earning assets | 0.5184% | 7,823 |
| Net interest margin | 3.1078% | 6,343 |
| Noninterest income to average assets | 0.3037% | 5,925 |
| Noninterest expense to average assets | 2.7938% | 4,999 |
| Loan and lease loss provision to assets | 0.0177% | 7,326 |
| Net operating income to assets | 0.3443% | 4,352 |
| Return on assets (ROA) | 0.4125% | 4,188 |
| Pretax return on assets | 0.5390% | 4,080 |
| Return on Equity (ROE) | 3.3682% | 4,350 |
| Retained earnings to average equity (ytd only) | -1.1365% | 5,295 |
| Net charge-offs to loans | 0.0565% | 6,532 |
| Credit loss provision to net charge-offs | 87.5000% | 6,082 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 941 |
| Efficiency ratio | 85.6478% | 2,154 |
| Assets per employee ($millions) | 3.5634% | 4,864 |
| Cash dividends to net income (ytd only)* | 133.7423% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,531 |
| Loan loss allowance to noncurrent loans | 227.7778% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 7,061 |
| Noncurrent loans to loans | 0.4261% | 6,415 |
| Net loans and leases to total assets | 39.1361% | 7,395 |
| Net loans and leases to deposits | 44.2948% | 7,503 |
| Net loans and leases to core deposits | 44.4217% | 7,695 |
| Total domestic deposits to total assets | 88.3539% | 1,791 |
| Equity capital to assets | 11.5081% | 2,314 |
| Core capital (leverage) ratio | 12.1421% | 1,603 |
| Tier 1 risk-based capital ratio | 21.4570% | 1,222 |
| Total risk-based capital ratio | 22.1899% | 1,275 |
| Memoranda: | ||
| Average total assets | $39,516,400 | 7,116 |
| Average earning assets | $37,615,600 | 7,028 |
| Average equity | $4,839,400 | 7,007 |
| Average total loans | $14,159,600 | 7,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 7,900 |
| Cost of funding earning assets | 0.5376% | 7,921 |
| Net interest margin | 3.1317% | 6,225 |
| Noninterest income to average assets | 0.3031% | 6,058 |
| Noninterest expense to average assets | 2.6731% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5684% | 3,732 |
| Return on assets (ROA) | 0.5684% | 3,801 |
| Pretax return on assets | 0.6200% | 4,128 |
| Return on Equity (ROE) | 4.5651% | 4,130 |
| Retained earnings to average equity (ytd only) | -1.4663% | 5,599 |
| Net charge-offs to loans | -0.0099% | 7,683 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1715% | 2,691 |
| Assets per employee ($millions) | 3.2943% | 5,419 |
| Cash dividends to net income (ytd only)* | 132.1242% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,523 |
| Loan loss allowance to noncurrent loans | 207.5000% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 6,966 |
| Noncurrent loans to loans | 0.6252% | 6,050 |
| Net loans and leases to total assets | 34.8539% | 7,661 |
| Net loans and leases to deposits | 40.4730% | 7,716 |
| Net loans and leases to core deposits | 40.6122% | 7,847 |
| Total domestic deposits to total assets | 86.1164% | 2,642 |
| Equity capital to assets | 13.6628% | 1,428 |
| Core capital (leverage) ratio | 12.7763% | 1,455 |
| Tier 1 risk-based capital ratio | 27.1658% | 735 |
| Total risk-based capital ratio | 28.1045% | 738 |
| Memoranda: | ||
| Average total assets | $38,705,250 | 7,212 |
| Average earning assets | $36,954,500 | 7,114 |
| Average equity | $4,819,000 | 7,074 |
| Average total loans | $13,474,750 | 7,599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 8,013 |
| Cost of funding earning assets | 0.5465% | 8,021 |
| Net interest margin | 3.0615% | 6,361 |
| Noninterest income to average assets | 0.2732% | 6,317 |
| Noninterest expense to average assets | 2.7171% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4301% | 4,378 |
| Return on assets (ROA) | 0.4301% | 4,492 |
| Pretax return on assets | 0.4756% | 4,699 |
| Return on Equity (ROE) | 3.5602% | 4,682 |
| Retained earnings to average equity (ytd only) | -5.5707% | 6,390 |
| Net charge-offs to loans | -0.0146% | 7,651 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1030% | 2,343 |
| Assets per employee ($millions) | 3.2557% | 5,432 |
| Cash dividends to net income (ytd only)* | 256.4706% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,153 |
| Loan loss allowance to noncurrent loans | 224.3243% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 7,052 |
| Noncurrent loans to loans | 0.5888% | 6,076 |
| Net loans and leases to total assets | 31.7421% | 7,851 |
| Net loans and leases to deposits | 36.1957% | 7,897 |
| Net loans and leases to core deposits | 36.3080% | 7,974 |
| Total domestic deposits to total assets | 87.6958% | 1,933 |
| Equity capital to assets | 12.2197% | 2,074 |
| Core capital (leverage) ratio | 12.0384% | 1,814 |
| Tier 1 risk-based capital ratio | 25.8305% | 874 |
| Total risk-based capital ratio | 26.7421% | 881 |
| Memoranda: | ||
| Average total assets | $39,528,000 | 7,229 |
| Average earning assets | $37,693,330 | 7,145 |
| Average equity | $4,775,000 | 7,146 |
| Average total loans | $13,701,000 | 7,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 8,086 |
| Cost of funding earning assets | 0.5283% | 8,086 |
| Net interest margin | 3.0429% | 6,362 |
| Noninterest income to average assets | 0.2616% | 6,362 |
| Noninterest expense to average assets | 2.7366% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3823% | 4,937 |
| Return on assets (ROA) | 0.3823% | 5,120 |
| Pretax return on assets | 0.4226% | 5,332 |
| Return on Equity (ROE) | 3.1829% | 5,287 |
| Retained earnings to average equity (ytd only) | -15.0770% | 7,443 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6242% | 2,006 |
| Assets per employee ($millions) | 3.2562% | 5,435 |
| Cash dividends to net income (ytd only)* | 573.6842% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 3,872 |
| Loan loss allowance to noncurrent loans | 181.3187% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,826 |
| Noncurrent loans to loans | 0.7374% | 5,588 |
| Net loans and leases to total assets | 31.1588% | 7,889 |
| Net loans and leases to deposits | 35.3945% | 7,953 |
| Net loans and leases to core deposits | 35.5029% | 8,032 |
| Total domestic deposits to total assets | 88.0330% | 1,735 |
| Equity capital to assets | 11.9389% | 2,300 |
| Core capital (leverage) ratio | 11.7184% | 2,036 |
| Tier 1 risk-based capital ratio | 24.2922% | 1,046 |
| Total risk-based capital ratio | 25.1605% | 1,070 |
| Memoranda: | ||
| Average total assets | $39,758,000 | 7,263 |
| Average earning assets | $37,858,000 | 7,179 |
| Average equity | $4,775,500 | 7,193 |
| Average total loans | $14,268,000 | 7,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 7,998 |
| Cost of funding earning assets | 1.2515% | 7,889 |
| Net interest margin | 3.3835% | 5,727 |
| Noninterest income to average assets | 0.3255% | 6,122 |
| Noninterest expense to average assets | 3.0748% | 3,804 |
| Loan and lease loss provision to assets | -0.3916% | 8,289 |
| Net operating income to assets | 0.5769% | 4,409 |
| Return on assets (ROA) | 0.5769% | 4,275 |
| Pretax return on assets | 0.8044% | 4,051 |
| Return on Equity (ROE) | 4.5695% | 4,568 |
| Retained earnings to average equity (ytd only) | 0.1677% | 5,131 |
| Net charge-offs to loans | 0.1198% | 5,052 |
| Credit loss provision to net charge-offs | -822.2222% | 7,422 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,840 |
| Efficiency ratio | 88.1639% | 1,665 |
| Assets per employee ($millions) | 3.3702% | 5,037 |
| Cash dividends to net income (ytd only)* | 96.3303% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 5,861 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 6,815 |
| Noncurrent loans to loans | 0.4631% | 5,957 |
| Net loans and leases to total assets | 39.6395% | 7,689 |
| Net loans and leases to deposits | 45.1018% | 7,816 |
| Net loans and leases to core deposits | 45.2329% | 7,978 |
| Total domestic deposits to total assets | 87.8888% | 1,518 |
| Equity capital to assets | 12.0815% | 2,242 |
| Core capital (leverage) ratio | 12.7166% | 1,653 |
| Tier 1 risk-based capital ratio | 21.6027% | 1,373 |
| Total risk-based capital ratio | 22.3476% | 1,413 |
| Memoranda: | ||
| Average total assets | $37,791,400 | 7,314 |
| Average earning assets | $35,318,800 | 7,268 |
| Average equity | $4,770,800 | 7,219 |
| Average total loans | $15,020,400 | 7,648 |