Home > State Bank of Bricelyn > Performance and Condition Ratios
State Bank of Bricelyn, Performance and Condition Ratios
| 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 | 5.0381% | 1,764 |
| Cost of funding earning assets | 0.7128% | 4,173 |
| Net interest margin | 4.3253% | 1,390 |
| Noninterest income to average assets | 0.3374% | 5,158 |
| Noninterest expense to average assets | 2.6151% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4763% | 1,068 |
| Return on assets (ROA) | 1.4763% | 1,193 |
| Pretax return on assets | 1.4763% | 1,943 |
| Return on Equity (ROE) | 13.1682% | 1,364 |
| Retained earnings to average equity (ytd only) | 13.1682% | 661 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9175% | 4,939 |
| Assets per employee ($millions) | 2.9442% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,490 |
| Loan loss allowance to noncurrent loans | 1,435.7143% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 5,597 |
| Noncurrent loans to loans | 0.0642% | 6,592 |
| Net loans and leases to total assets | 73.4053% | 1,151 |
| Net loans and leases to deposits | 83.0400% | 1,790 |
| Net loans and leases to core deposits | 83.0400% | 2,680 |
| Total domestic deposits to total assets | 88.3975% | 2,070 |
| Equity capital to assets | 11.0115% | 2,895 |
| Core capital (leverage) ratio | 11.1568% | 2,144 |
| Tier 1 risk-based capital ratio | 15.3678% | 3,519 |
| Total risk-based capital ratio | 16.3241% | 3,667 |
| Memoranda: | ||
| Average total assets | $28,450,000 | 6,992 |
| Average earning assets | $24,692,000 | 6,996 |
| Average equity | $3,189,500 | 6,925 |
| Average total loans | $23,067,000 | 6,460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7341% | 729 |
| Cost of funding earning assets | 0.9281% | 3,896 |
| Net interest margin | 4.8059% | 613 |
| Noninterest income to average assets | 0.3135% | 5,302 |
| Noninterest expense to average assets | 3.0291% | 3,484 |
| Loan and lease loss provision to assets | 0.1133% | 5,174 |
| Net operating income to assets | 1.4541% | 919 |
| Return on assets (ROA) | 1.4541% | 999 |
| Pretax return on assets | 1.4541% | 1,617 |
| Return on Equity (ROE) | 12.5130% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.1828% | 1,413 |
| Net charge-offs to loans | 0.0721% | 5,598 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 25.9375% | 957 |
| Efficiency ratio | 65.8998% | 4,792 |
| Assets per employee ($millions) | 2.7458% | 6,541 |
| Cash dividends to net income (ytd only)* | 42.5974% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 6,687 |
| Loan loss allowance to noncurrent loans | 261.0390% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 5,095 |
| Noncurrent loans to loans | 0.3166% | 6,098 |
| Net loans and leases to total assets | 87.8433% | 81 |
| Net loans and leases to deposits | 102.0089% | 378 |
| Net loans and leases to core deposits | 103.3198% | 944 |
| Total domestic deposits to total assets | 86.1133% | 3,253 |
| Equity capital to assets | 11.4247% | 2,571 |
| Core capital (leverage) ratio | 11.3583% | 1,999 |
| Tier 1 risk-based capital ratio | 13.8951% | 4,400 |
| Total risk-based capital ratio | 14.7888% | 4,640 |
| Memoranda: | ||
| Average total assets | $26,476,400 | 7,062 |
| Average earning assets | $23,595,800 | 7,058 |
| Average equity | $3,076,800 | 6,993 |
| Average total loans | $22,189,600 | 6,547 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 762 |
| Cost of funding earning assets | 0.9864% | 3,776 |
| Net interest margin | 4.7715% | 662 |
| Noninterest income to average assets | 0.3202% | 5,307 |
| Noninterest expense to average assets | 2.8515% | 4,140 |
| Loan and lease loss provision to assets | 0.1169% | 4,973 |
| Net operating income to assets | 1.5808% | 798 |
| Return on assets (ROA) | 1.5808% | 874 |
| Pretax return on assets | 1.5808% | 1,431 |
| Return on Equity (ROE) | 13.5432% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.5432% | 328 |
| Net charge-offs to loans | 0.0677% | 5,285 |
| Credit loss provision to net charge-offs | 209.0909% | 1,390 |
| Earnings coverage of net charge-offs (x) | 30.3558% | 929 |
| Efficiency ratio | 62.6816% | 5,296 |
| Assets per employee ($millions) | 2.7165% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 6,566 |
| Loan loss allowance to noncurrent loans | 1,170.5882% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 5,712 |
| Noncurrent loans to loans | 0.0778% | 6,737 |
| Net loans and leases to total assets | 79.7276% | 542 |
| Net loans and leases to deposits | 91.2108% | 1,085 |
| Net loans and leases to core deposits | 92.3779% | 1,952 |
| Total domestic deposits to total assets | 87.4103% | 2,400 |
| Equity capital to assets | 11.8903% | 2,340 |
| Core capital (leverage) ratio | 11.9255% | 1,746 |
| Tier 1 risk-based capital ratio | 15.3461% | 3,463 |
| Total risk-based capital ratio | 16.2959% | 3,608 |
| Memoranda: | ||
| Average total assets | $26,231,000 | 7,136 |
| Average earning assets | $23,248,500 | 7,140 |
| Average equity | $3,061,750 | 7,055 |
| Average total loans | $21,656,750 | 6,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 762 |
| Cost of funding earning assets | 1.0367% | 3,688 |
| Net interest margin | 4.7342% | 682 |
| Noninterest income to average assets | 0.3395% | 5,168 |
| Noninterest expense to average assets | 2.9167% | 3,958 |
| Loan and lease loss provision to assets | 0.1157% | 4,832 |
| Net operating income to assets | 1.5355% | 826 |
| Return on assets (ROA) | 1.5355% | 880 |
| Pretax return on assets | 1.5355% | 1,418 |
| Return on Equity (ROE) | 13.2416% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.2416% | 371 |
| Net charge-offs to loans | 0.0185% | 5,579 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 339 |
| Efficiency ratio | 63.8514% | 5,267 |
| Assets per employee ($millions) | 2.5969% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,561 |
| Loan loss allowance to noncurrent loans | 606.0606% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 5,617 |
| Noncurrent loans to loans | 0.1546% | 6,594 |
| Net loans and leases to total assets | 81.4433% | 416 |
| Net loans and leases to deposits | 93.3075% | 921 |
| Net loans and leases to core deposits | 93.3075% | 1,984 |
| Total domestic deposits to total assets | 87.2848% | 2,579 |
| Equity capital to assets | 11.9912% | 2,094 |
| Core capital (leverage) ratio | 11.9991% | 1,595 |
| Tier 1 risk-based capital ratio | 15.2572% | 3,369 |
| Total risk-based capital ratio | 16.2420% | 3,474 |
| Memoranda: | ||
| Average total assets | $25,919,670 | 7,215 |
| Average earning assets | $23,150,670 | 7,208 |
| Average equity | $3,005,670 | 7,123 |
| Average total loans | $21,590,000 | 6,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 900 |
| Cost of funding earning assets | 1.0516% | 3,843 |
| Net interest margin | 4.6374% | 799 |
| Noninterest income to average assets | 0.4016% | 4,688 |
| Noninterest expense to average assets | 2.9504% | 3,854 |
| Loan and lease loss provision to assets | 0.1236% | 4,454 |
| Net operating income to assets | 1.4829% | 902 |
| Return on assets (ROA) | 1.4829% | 946 |
| Pretax return on assets | 1.4829% | 1,497 |
| Return on Equity (ROE) | 13.0103% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.0103% | 589 |
| Net charge-offs to loans | 0.0184% | 4,822 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 306 |
| Efficiency ratio | 64.7458% | 5,227 |
| Assets per employee ($millions) | 2.6015% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 6,623 |
| Loan loss allowance to noncurrent loans | 776.0000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,737 |
| Noncurrent loans to loans | 0.1198% | 6,749 |
| Net loans and leases to total assets | 79.4503% | 571 |
| Net loans and leases to deposits | 90.6058% | 1,171 |
| Net loans and leases to core deposits | 90.6058% | 2,289 |
| Total domestic deposits to total assets | 87.6879% | 2,563 |
| Equity capital to assets | 11.5280% | 2,242 |
| Core capital (leverage) ratio | 11.3996% | 1,910 |
| Tier 1 risk-based capital ratio | 15.0984% | 3,377 |
| Total risk-based capital ratio | 16.0751% | 3,484 |
| Memoranda: | ||
| Average total assets | $25,895,000 | 7,266 |
| Average earning assets | $23,202,500 | 7,259 |
| Average equity | $2,951,500 | 7,182 |
| Average total loans | $21,710,000 | 6,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9209% | 998 |
| Cost of funding earning assets | 1.3694% | 3,456 |
| Net interest margin | 4.5515% | 1,131 |
| Noninterest income to average assets | 0.3727% | 5,112 |
| Noninterest expense to average assets | 3.2556% | 2,890 |
| Loan and lease loss provision to assets | 0.1784% | 5,434 |
| Net operating income to assets | 1.0112% | 1,994 |
| Return on assets (ROA) | 1.0112% | 2,103 |
| Pretax return on assets | 1.0112% | 2,898 |
| Return on Equity (ROE) | 8.6009% | 2,465 |
| Retained earnings to average equity (ytd only) | 0.6409% | 5,256 |
| Net charge-offs to loans | 0.2218% | 4,958 |
| Credit loss provision to net charge-offs | 97.8261% | 4,741 |
| Earnings coverage of net charge-offs (x) | 6.5217% | 2,337 |
| Efficiency ratio | 73.2382% | 3,547 |
| Assets per employee ($millions) | 2.5775% | 6,888 |
| Cash dividends to net income (ytd only)* | 92.5490% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,909 |
| Loan loss allowance to noncurrent loans | 779.1667% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 5,780 |
| Noncurrent loans to loans | 0.1064% | 6,873 |
| Net loans and leases to total assets | 86.7895% | 144 |
| Net loans and leases to deposits | 102.3096% | 472 |
| Net loans and leases to core deposits | 102.3096% | 1,428 |
| Total domestic deposits to total assets | 84.8303% | 3,937 |
| Equity capital to assets | 11.2667% | 2,439 |
| Core capital (leverage) ratio | 11.2772% | 1,964 |
| Tier 1 risk-based capital ratio | 13.4091% | 4,285 |
| Total risk-based capital ratio | 14.2725% | 4,543 |
| Memoranda: | ||
| Average total assets | $25,218,200 | 7,338 |
| Average earning assets | $22,564,200 | 7,335 |
| Average equity | $2,964,800 | 7,288 |
| Average total loans | $20,735,800 | 6,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9180% | 1,088 |
| Cost of funding earning assets | 1.4125% | 3,505 |
| Net interest margin | 4.5055% | 1,243 |
| Noninterest income to average assets | 0.3668% | 5,219 |
| Noninterest expense to average assets | 3.0994% | 3,340 |
| Loan and lease loss provision to assets | 0.1223% | 5,806 |
| Net operating income to assets | 1.1643% | 1,693 |
| Return on assets (ROA) | 1.1643% | 1,788 |
| Pretax return on assets | 1.1643% | 2,624 |
| Return on Equity (ROE) | 9.7983% | 2,207 |
| Retained earnings to average equity (ytd only) | 8.1876% | 1,356 |
| Net charge-offs to loans | 0.2170% | 4,640 |
| Credit loss provision to net charge-offs | 69.6970% | 5,430 |
| Earnings coverage of net charge-offs (x) | 7.3332% | 2,351 |
| Efficiency ratio | 70.6667% | 3,944 |
| Assets per employee ($millions) | 2.4860% | 7,095 |
| Cash dividends to net income (ytd only)* | 16.4389% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,842 |
| Loan loss allowance to noncurrent loans | 847.6190% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 5,876 |
| Noncurrent loans to loans | 0.1024% | 6,982 |
| Net loans and leases to total assets | 81.7538% | 525 |
| Net loans and leases to deposits | 94.2759% | 1,173 |
| Net loans and leases to core deposits | 95.3820% | 2,336 |
| Total domestic deposits to total assets | 86.7176% | 2,681 |
| Equity capital to assets | 12.3733% | 1,927 |
| Core capital (leverage) ratio | 12.1432% | 1,590 |
| Tier 1 risk-based capital ratio | 15.8934% | 2,814 |
| Total risk-based capital ratio | 16.8131% | 2,930 |
| Memoranda: | ||
| Average total assets | $25,079,000 | 7,437 |
| Average earning assets | $22,371,750 | 7,434 |
| Average equity | $2,980,000 | 7,376 |
| Average total loans | $20,280,500 | 6,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8537% | 1,298 |
| Cost of funding earning assets | 1.4280% | 3,689 |
| Net interest margin | 4.4258% | 1,374 |
| Noninterest income to average assets | 0.3896% | 4,995 |
| Noninterest expense to average assets | 3.1966% | 2,910 |
| Loan and lease loss provision to assets | 0.1193% | 5,704 |
| Net operating income to assets | 1.0417% | 2,040 |
| Return on assets (ROA) | 1.0417% | 2,116 |
| Pretax return on assets | 1.0417% | 2,969 |
| Return on Equity (ROE) | 8.8874% | 2,512 |
| Retained earnings to average equity (ytd only) | 6.4450% | 2,104 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3577% | 3,587 |
| Assets per employee ($millions) | 2.5615% | 7,020 |
| Cash dividends to net income (ytd only)* | 27.4809% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 6,305 |
| Loan loss allowance to noncurrent loans | 922.7273% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 5,957 |
| Noncurrent loans to loans | 0.1108% | 7,043 |
| Net loans and leases to total assets | 76.7285% | 1,345 |
| Net loans and leases to deposits | 87.7097% | 2,223 |
| Net loans and leases to core deposits | 90.7471% | 3,160 |
| Total domestic deposits to total assets | 87.4800% | 2,262 |
| Equity capital to assets | 11.6650% | 2,305 |
| Core capital (leverage) ratio | 11.7117% | 1,798 |
| Tier 1 risk-based capital ratio | 15.4209% | 2,941 |
| Total risk-based capital ratio | 16.4717% | 3,007 |
| Memoranda: | ||
| Average total assets | $25,152,000 | 7,493 |
| Average earning assets | $22,549,670 | 7,491 |
| Average equity | $2,948,000 | 7,430 |
| Average total loans | $20,206,670 | 7,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8007% | 1,453 |
| Cost of funding earning assets | 1.4413% | 3,931 |
| Net interest margin | 4.3594% | 1,507 |
| Noninterest income to average assets | 0.4494% | 4,471 |
| Noninterest expense to average assets | 3.1139% | 3,214 |
| Loan and lease loss provision to assets | 0.1284% | 5,289 |
| Net operating income to assets | 1.1396% | 1,707 |
| Return on assets (ROA) | 1.1396% | 1,783 |
| Pretax return on assets | 1.1396% | 2,587 |
| Return on Equity (ROE) | 9.6995% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.6995% | 1,209 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0623% | 4,111 |
| Assets per employee ($millions) | 2.2954% | 7,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 6,588 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 6,018 |
| Noncurrent loans to loans | 0.0793% | 7,194 |
| Net loans and leases to total assets | 79.0962% | 966 |
| Net loans and leases to deposits | 90.5714% | 1,822 |
| Net loans and leases to core deposits | 90.5714% | 3,292 |
| Total domestic deposits to total assets | 87.3302% | 2,445 |
| Equity capital to assets | 11.7391% | 2,207 |
| Core capital (leverage) ratio | 11.7109% | 1,795 |
| Tier 1 risk-based capital ratio | 15.6110% | 2,823 |
| Total risk-based capital ratio | 16.6464% | 2,876 |
| Memoranda: | ||
| Average total assets | $24,920,500 | 7,592 |
| Average earning assets | $22,480,000 | 7,583 |
| Average equity | $2,928,000 | 7,515 |
| Average total loans | $20,381,500 | 7,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0780% | 1,583 |
| Cost of funding earning assets | 1.7065% | 4,472 |
| Net interest margin | 4.3715% | 1,512 |
| Noninterest income to average assets | 0.4572% | 4,743 |
| Noninterest expense to average assets | 3.4580% | 2,498 |
| Loan and lease loss provision to assets | 0.5652% | 3,549 |
| Net operating income to assets | 0.3200% | 4,452 |
| Return on assets (ROA) | 0.3200% | 4,537 |
| Pretax return on assets | 0.3200% | 4,709 |
| Return on Equity (ROE) | 2.5789% | 4,671 |
| Retained earnings to average equity (ytd only) | -2.4449% | 5,604 |
| Net charge-offs to loans | 0.6891% | 3,121 |
| Credit loss provision to net charge-offs | 101.4925% | 5,443 |
| Earnings coverage of net charge-offs (x) | 1.5896% | 4,549 |
| Efficiency ratio | 79.6172% | 2,936 |
| Assets per employee ($millions) | 2.4592% | 7,267 |
| Cash dividends to net income (ytd only)* | 194.8052% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,759 |
| Loan loss allowance to noncurrent loans | 569.6970% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 5,742 |
| Noncurrent loans to loans | 0.1602% | 7,027 |
| Net loans and leases to total assets | 82.9863% | 544 |
| Net loans and leases to deposits | 95.0491% | 1,450 |
| Net loans and leases to core deposits | 103.2794% | 3,653 |
| Total domestic deposits to total assets | 87.3089% | 2,319 |
| Equity capital to assets | 11.7599% | 2,160 |
| Core capital (leverage) ratio | 11.8835% | 1,713 |
| Tier 1 risk-based capital ratio | 14.2582% | 3,342 |
| Total risk-based capital ratio | 15.1876% | 3,494 |
| Memoranda: | ||
| Average total assets | $24,060,400 | 7,668 |
| Average earning assets | $21,388,600 | 7,669 |
| Average equity | $2,985,800 | 7,587 |
| Average total loans | $19,445,600 | 7,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 1,613 |
| Cost of funding earning assets | 1.7315% | 4,734 |
| Net interest margin | 4.3790% | 1,496 |
| Noninterest income to average assets | 0.4346% | 4,999 |
| Noninterest expense to average assets | 3.1873% | 3,345 |
| Loan and lease loss provision to assets | 0.6742% | 2,716 |
| Net operating income to assets | 0.4625% | 4,152 |
| Return on assets (ROA) | 0.4625% | 4,255 |
| Pretax return on assets | 0.4625% | 4,633 |
| Return on Equity (ROE) | 3.6773% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.6773% | 3,236 |
| Net charge-offs to loans | 0.8769% | 2,211 |
| Credit loss provision to net charge-offs | 96.0317% | 5,300 |
| Earnings coverage of net charge-offs (x) | 1.6190% | 4,583 |
| Efficiency ratio | 73.7113% | 3,918 |
| Assets per employee ($millions) | 2.3731% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,481 |
| Loan loss allowance to noncurrent loans | 377.0833% | 823 |
| Noncurrent assets plus other real estate owned to assets | 1.3653% | 4,356 |
| Noncurrent loans to loans | 0.2550% | 6,875 |
| Net loans and leases to total assets | 78.5639% | 1,471 |
| Net loans and leases to deposits | 91.2267% | 2,357 |
| Net loans and leases to core deposits | 100.6424% | 4,299 |
| Total domestic deposits to total assets | 86.1194% | 2,639 |
| Equity capital to assets | 12.8397% | 1,762 |
| Core capital (leverage) ratio | 12.6979% | 1,500 |
| Tier 1 risk-based capital ratio | 16.3255% | 2,503 |
| Total risk-based capital ratio | 17.2979% | 2,544 |
| Memoranda: | ||
| Average total assets | $23,927,500 | 7,742 |
| Average earning assets | $21,252,500 | 7,744 |
| Average equity | $3,009,250 | 7,657 |
| Average total loans | $19,158,000 | 7,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 1,923 |
| Cost of funding earning assets | 1.7560% | 4,969 |
| Net interest margin | 4.3101% | 1,630 |
| Noninterest income to average assets | 0.4418% | 4,918 |
| Noninterest expense to average assets | 3.1426% | 3,528 |
| Loan and lease loss provision to assets | 0.8836% | 1,907 |
| Net operating income to assets | 0.2417% | 5,122 |
| Return on assets (ROA) | 0.2417% | 5,212 |
| Pretax return on assets | 0.2417% | 5,347 |
| Return on Equity (ROE) | 1.9355% | 5,324 |
| Retained earnings to average equity (ytd only) | 1.9355% | 4,264 |
| Net charge-offs to loans | 1.3182% | 1,402 |
| Credit loss provision to net charge-offs | 83.4646% | 5,100 |
| Earnings coverage of net charge-offs (x) | 1.0630% | 4,720 |
| Efficiency ratio | 73.6328% | 4,091 |
| Assets per employee ($millions) | 2.3869% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,912 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 4,133 |
| Noncurrent loans to loans | 0.3154% | 6,719 |
| Net loans and leases to total assets | 79.0188% | 1,516 |
| Net loans and leases to deposits | 91.4473% | 2,581 |
| Net loans and leases to core deposits | 99.7251% | 4,536 |
| Total domestic deposits to total assets | 86.4091% | 2,564 |
| Equity capital to assets | 12.5309% | 1,909 |
| Core capital (leverage) ratio | 12.6061% | 1,574 |
| Tier 1 risk-based capital ratio | 16.0391% | 2,614 |
| Total risk-based capital ratio | 16.9254% | 2,672 |
| Memoranda: | ||
| Average total assets | $23,993,000 | 7,816 |
| Average earning assets | $21,299,000 | 7,814 |
| Average equity | $2,996,670 | 7,731 |
| Average total loans | $19,269,000 | 7,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0732% | 2,054 |
| Cost of funding earning assets | 1.7807% | 5,203 |
| Net interest margin | 4.2925% | 1,625 |
| Noninterest income to average assets | 0.4822% | 4,484 |
| Noninterest expense to average assets | 2.7936% | 4,581 |
| Loan and lease loss provision to assets | 0.2661% | 3,835 |
| Net operating income to assets | 1.2305% | 1,564 |
| Return on assets (ROA) | 1.2305% | 1,674 |
| Pretax return on assets | 1.2305% | 2,517 |
| Return on Equity (ROE) | 9.8683% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.8683% | 1,227 |
| Net charge-offs to loans | 2.5373% | 547 |
| Credit loss provision to net charge-offs | 13.0081% | 5,167 |
| Earnings coverage of net charge-offs (x) | 0.7317% | 4,434 |
| Efficiency ratio | 65.1163% | 5,488 |
| Assets per employee ($millions) | 2.6209% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4265% | 7,917 |
| Loan loss allowance to noncurrent loans | 158.0000% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4711% | 3,727 |
| Noncurrent loans to loans | 0.2699% | 6,760 |
| Net loans and leases to total assets | 78.1881% | 1,778 |
| Net loans and leases to deposits | 91.6149% | 2,670 |
| Net loans and leases to core deposits | 100.6824% | 4,475 |
| Total domestic deposits to total assets | 85.3442% | 3,035 |
| Equity capital to assets | 12.8752% | 1,797 |
| Core capital (leverage) ratio | 12.8454% | 1,537 |
| Tier 1 risk-based capital ratio | 17.1369% | 2,297 |
| Total risk-based capital ratio | 17.5835% | 2,518 |
| Memoranda: | ||
| Average total assets | $24,055,000 | 7,865 |
| Average earning assets | $21,339,500 | 7,866 |
| Average equity | $2,999,500 | 7,787 |
| Average total loans | $19,390,500 | 7,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6993% | 2,026 |
| Cost of funding earning assets | 2.1718% | 5,721 |
| Net interest margin | 4.5275% | 1,356 |
| Noninterest income to average assets | 0.4880% | 4,711 |
| Noninterest expense to average assets | 3.3384% | 2,845 |
| Loan and lease loss provision to assets | 0.0648% | 6,583 |
| Net operating income to assets | 1.1272% | 2,044 |
| Return on assets (ROA) | 1.1272% | 1,959 |
| Pretax return on assets | 1.1272% | 2,931 |
| Return on Equity (ROE) | 8.4873% | 2,849 |
| Retained earnings to average equity (ytd only) | -1.5934% | 5,764 |
| Net charge-offs to loans | 0.0685% | 5,792 |
| Credit loss provision to net charge-offs | 115.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 21.2308% | 1,539 |
| Efficiency ratio | 73.6892% | 3,629 |
| Assets per employee ($millions) | 3.0653% | 5,879 |
| Cash dividends to net income (ytd only)* | 118.7739% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,580 |
| Loan loss allowance to noncurrent loans | 364.7059% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 6,743 |
| Noncurrent loans to loans | 0.2517% | 6,631 |
| Net loans and leases to total assets | 81.8571% | 1,256 |
| Net loans and leases to deposits | 95.5903% | 2,512 |
| Net loans and leases to core deposits | 104.0753% | 4,388 |
| Total domestic deposits to total assets | 85.6333% | 2,574 |
| Equity capital to assets | 12.0789% | 2,244 |
| Core capital (leverage) ratio | 12.8131% | 1,614 |
| Tier 1 risk-based capital ratio | 16.3433% | 2,539 |
| Total risk-based capital ratio | 17.3714% | 2,554 |
| Memoranda: | ||
| Average total assets | $23,154,800 | 7,906 |
| Average earning assets | $20,673,800 | 7,906 |
| Average equity | $3,075,200 | 7,813 |
| Average total loans | $18,977,000 | 7,403 |