Home > State Bank of Carbondale > Performance and Condition Ratios
State Bank of Carbondale, Performance and Condition Ratios
| 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 | 4.4357% | 4,042 |
| Cost of funding earning assets | 0.5123% | 5,536 |
| Net interest margin | 3.9234% | 2,819 |
| Noninterest income to average assets | 0.7111% | 2,607 |
| Noninterest expense to average assets | 4.4553% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2555% | 6,583 |
| Return on assets (ROA) | -0.2555% | 6,646 |
| Pretax return on assets | -0.2555% | 6,617 |
| Return on Equity (ROE) | -2.7952% | 6,664 |
| Retained earnings to average equity (ytd only) | -2.7952% | 6,445 |
| Net charge-offs to loans | 0.1074% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.6000% | 5,447 |
| Efficiency ratio | 106.0847% | 395 |
| Assets per employee ($millions) | 2.5707% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 5,997 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.7691% | 5,526 |
| Net loans and leases to deposits | 54.6485% | 5,806 |
| Net loans and leases to core deposits | 54.6485% | 6,052 |
| Total domestic deposits to total assets | 89.2415% | 1,363 |
| Equity capital to assets | 9.0303% | 5,668 |
| Core capital (leverage) ratio | 8.8352% | 5,156 |
| Tier 1 risk-based capital ratio | 16.0360% | 3,146 |
| Total risk-based capital ratio | 17.2372% | 3,141 |
| Memoranda: | ||
| Average total assets | $18,001,000 | 7,143 |
| Average earning assets | $16,006,670 | 7,129 |
| Average equity | $1,645,670 | 7,156 |
| Average total loans | $9,310,330 | 7,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 4,070 |
| Cost of funding earning assets | 0.5512% | 5,492 |
| Net interest margin | 3.9087% | 2,888 |
| Noninterest income to average assets | 0.7110% | 2,609 |
| Noninterest expense to average assets | 3.8436% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3999% | 5,257 |
| Return on assets (ROA) | 0.3999% | 5,440 |
| Pretax return on assets | 0.3333% | 5,901 |
| Return on Equity (ROE) | 4.3478% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,986 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0213% | 947 |
| Assets per employee ($millions) | 2.6371% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,832 |
| Loan loss allowance to noncurrent loans | 192.3077% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 5,250 |
| Noncurrent loans to loans | 0.6984% | 5,266 |
| Net loans and leases to total assets | 49.7400% | 5,342 |
| Net loans and leases to deposits | 55.5710% | 5,653 |
| Net loans and leases to core deposits | 55.5710% | 5,941 |
| Total domestic deposits to total assets | 89.5070% | 1,366 |
| Equity capital to assets | 8.9978% | 5,496 |
| Core capital (leverage) ratio | 9.1222% | 4,651 |
| Tier 1 risk-based capital ratio | 15.8311% | 3,264 |
| Total risk-based capital ratio | 17.0363% | 3,260 |
| Memoranda: | ||
| Average total assets | $18,004,000 | 7,206 |
| Average earning assets | $15,964,500 | 7,194 |
| Average equity | $1,656,000 | 7,209 |
| Average total loans | $9,517,500 | 7,084 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 3,726 |
| Cost of funding earning assets | 0.7450% | 5,242 |
| Net interest margin | 4.0733% | 2,555 |
| Noninterest income to average assets | 0.7007% | 2,599 |
| Noninterest expense to average assets | 4.1002% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2299% | 5,488 |
| Return on assets (ROA) | 0.2299% | 5,632 |
| Pretax return on assets | 0.2518% | 5,666 |
| Return on Equity (ROE) | 2.5878% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.5878% | 4,382 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2138% | 907 |
| Assets per employee ($millions) | 2.5069% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,996 |
| Loan loss allowance to noncurrent loans | 192.3077% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 5,268 |
| Noncurrent loans to loans | 0.6682% | 5,367 |
| Net loans and leases to total assets | 54.7242% | 4,919 |
| Net loans and leases to deposits | 61.5104% | 5,308 |
| Net loans and leases to core deposits | 61.5104% | 5,704 |
| Total domestic deposits to total assets | 88.9674% | 1,558 |
| Equity capital to assets | 9.4085% | 5,012 |
| Core capital (leverage) ratio | 9.0032% | 4,783 |
| Tier 1 risk-based capital ratio | 15.5466% | 3,298 |
| Total risk-based capital ratio | 16.7433% | 3,284 |
| Memoranda: | ||
| Average total assets | $18,267,200 | 7,240 |
| Average earning assets | $16,375,000 | 7,226 |
| Average equity | $1,623,000 | 7,269 |
| Average total loans | $10,302,200 | 7,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 3,869 |
| Cost of funding earning assets | 0.7719% | 5,324 |
| Net interest margin | 4.0603% | 2,643 |
| Noninterest income to average assets | 0.6866% | 2,689 |
| Noninterest expense to average assets | 4.0620% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2313% | 5,615 |
| Return on assets (ROA) | 0.2313% | 5,753 |
| Pretax return on assets | 0.2747% | 5,760 |
| Return on Equity (ROE) | 2.6405% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.6405% | 4,780 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6667% | 936 |
| Assets per employee ($millions) | 2.6021% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 6,302 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.3829% | 4,942 |
| Net loans and leases to deposits | 61.9923% | 5,401 |
| Net loans and leases to core deposits | 61.9923% | 5,815 |
| Total domestic deposits to total assets | 89.3385% | 1,230 |
| Equity capital to assets | 9.0310% | 5,718 |
| Core capital (leverage) ratio | 8.7100% | 5,395 |
| Tier 1 risk-based capital ratio | 14.5854% | 3,915 |
| Total risk-based capital ratio | 15.7157% | 3,970 |
| Memoranda: | ||
| Average total assets | $18,447,000 | 7,311 |
| Average earning assets | $16,583,000 | 7,291 |
| Average equity | $1,616,000 | 7,344 |
| Average total loans | $10,445,750 | 7,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 4,049 |
| Cost of funding earning assets | 0.7823% | 5,496 |
| Net interest margin | 4.0299% | 2,701 |
| Noninterest income to average assets | 0.6370% | 2,911 |
| Noninterest expense to average assets | 4.0703% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1727% | 5,825 |
| Return on assets (ROA) | 0.1727% | 5,921 |
| Pretax return on assets | 0.2375% | 5,843 |
| Return on Equity (ROE) | 1.9921% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9921% | 4,981 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4862% | 946 |
| Assets per employee ($millions) | 2.6453% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,418 |
| Loan loss allowance to noncurrent loans | 164.4737% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 5,482 |
| Noncurrent loans to loans | 0.7474% | 5,414 |
| Net loans and leases to total assets | 54.2420% | 5,259 |
| Net loans and leases to deposits | 60.5206% | 5,670 |
| Net loans and leases to core deposits | 60.5206% | 6,047 |
| Total domestic deposits to total assets | 89.6257% | 1,173 |
| Equity capital to assets | 8.7595% | 5,865 |
| Core capital (leverage) ratio | 8.5766% | 5,436 |
| Tier 1 risk-based capital ratio | 14.4681% | 3,811 |
| Total risk-based capital ratio | 15.5998% | 3,874 |
| Memoranda: | ||
| Average total assets | $18,524,330 | 7,380 |
| Average earning assets | $16,873,670 | 7,357 |
| Average equity | $1,606,330 | 7,416 |
| Average total loans | $10,523,330 | 7,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 3,369 |
| Cost of funding earning assets | 0.7563% | 5,824 |
| Net interest margin | 4.1833% | 1,952 |
| Noninterest income to average assets | 0.8204% | 1,954 |
| Noninterest expense to average assets | 4.1019% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4102% | 4,901 |
| Return on assets (ROA) | 0.4102% | 4,993 |
| Pretax return on assets | 0.5397% | 4,896 |
| Return on Equity (ROE) | 4.7545% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.7545% | 3,338 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3721% | 1,468 |
| Assets per employee ($millions) | 2.3670% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 5,576 |
| Loan loss allowance to noncurrent loans | 164.4737% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 5,547 |
| Noncurrent loans to loans | 0.7363% | 5,540 |
| Net loans and leases to total assets | 53.8498% | 5,328 |
| Net loans and leases to deposits | 59.8451% | 5,741 |
| Net loans and leases to core deposits | 59.8451% | 6,105 |
| Total domestic deposits to total assets | 89.9820% | 1,156 |
| Equity capital to assets | 8.4812% | 5,940 |
| Core capital (leverage) ratio | 8.5182% | 5,420 |
| Tier 1 risk-based capital ratio | 14.3575% | 3,830 |
| Total risk-based capital ratio | 15.4784% | 3,893 |
| Memoranda: | ||
| Average total assets | $18,528,000 | 7,436 |
| Average earning assets | $16,924,500 | 7,411 |
| Average equity | $1,598,500 | 7,470 |
| Average total loans | $10,700,500 | 7,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 4,033 |
| Cost of funding earning assets | 0.8585% | 6,342 |
| Net interest margin | 4.2561% | 1,972 |
| Noninterest income to average assets | 0.7568% | 2,502 |
| Noninterest expense to average assets | 4.2002% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3027% | 4,930 |
| Return on assets (ROA) | 0.3027% | 5,100 |
| Pretax return on assets | 0.3622% | 5,054 |
| Return on Equity (ROE) | 3.5492% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.5492% | 3,375 |
| Net charge-offs to loans | 0.0096% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 358 |
| Efficiency ratio | 92.0616% | 1,180 |
| Assets per employee ($millions) | 2.2650% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,833 |
| Loan loss allowance to noncurrent loans | 78.1250% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 5,251 |
| Noncurrent loans to loans | 1.4442% | 4,318 |
| Net loans and leases to total assets | 60.4525% | 4,594 |
| Net loans and leases to deposits | 67.4674% | 5,172 |
| Net loans and leases to core deposits | 67.4674% | 5,717 |
| Total domestic deposits to total assets | 89.6026% | 1,324 |
| Equity capital to assets | 8.7804% | 5,467 |
| Core capital (leverage) ratio | 8.4427% | 5,461 |
| Tier 1 risk-based capital ratio | 13.8869% | 3,934 |
| Total risk-based capital ratio | 14.9842% | 4,013 |
| Memoranda: | ||
| Average total assets | $18,499,200 | 7,500 |
| Average earning assets | $16,540,800 | 7,486 |
| Average equity | $1,577,800 | 7,571 |
| Average total loans | $10,379,600 | 7,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 4,148 |
| Cost of funding earning assets | 0.8720% | 6,499 |
| Net interest margin | 4.2630% | 1,977 |
| Noninterest income to average assets | 0.7386% | 2,589 |
| Noninterest expense to average assets | 4.1303% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3155% | 5,107 |
| Return on assets (ROA) | 0.3155% | 5,278 |
| Pretax return on assets | 0.3944% | 5,234 |
| Return on Equity (ROE) | 3.7263% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.7263% | 3,841 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2837% | 1,188 |
| Assets per employee ($millions) | 2.3216% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,563 |
| Loan loss allowance to noncurrent loans | 60.8696% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 4,887 |
| Noncurrent loans to loans | 1.9470% | 3,751 |
| Net loans and leases to total assets | 56.5660% | 5,472 |
| Net loans and leases to deposits | 63.0764% | 6,017 |
| Net loans and leases to core deposits | 63.0764% | 6,368 |
| Total domestic deposits to total assets | 89.6786% | 1,027 |
| Equity capital to assets | 8.6523% | 6,096 |
| Core capital (leverage) ratio | 8.4052% | 5,689 |
| Tier 1 risk-based capital ratio | 14.1187% | 3,748 |
| Total risk-based capital ratio | 15.2518% | 3,806 |
| Memoranda: | ||
| Average total assets | $18,594,000 | 7,599 |
| Average earning assets | $16,513,750 | 7,581 |
| Average equity | $1,574,500 | 7,674 |
| Average total loans | $10,204,750 | 7,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 4,353 |
| Cost of funding earning assets | 0.8876% | 6,631 |
| Net interest margin | 4.2315% | 2,051 |
| Noninterest income to average assets | 0.7526% | 2,378 |
| Noninterest expense to average assets | 4.0966% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2796% | 5,262 |
| Return on assets (ROA) | 0.2796% | 5,412 |
| Pretax return on assets | 0.3978% | 5,232 |
| Return on Equity (ROE) | 3.3255% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.3255% | 3,992 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1483% | 1,253 |
| Assets per employee ($millions) | 2.3190% | 7,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,278 |
| Loan loss allowance to noncurrent loans | 48.6486% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 4,384 |
| Noncurrent loans to loans | 2.5342% | 3,121 |
| Net loans and leases to total assets | 54.4092% | 5,932 |
| Net loans and leases to deposits | 60.5991% | 6,359 |
| Net loans and leases to core deposits | 60.5991% | 6,669 |
| Total domestic deposits to total assets | 89.7855% | 1,032 |
| Equity capital to assets | 8.5651% | 6,074 |
| Core capital (leverage) ratio | 8.2800% | 5,806 |
| Tier 1 risk-based capital ratio | 14.4158% | 3,487 |
| Total risk-based capital ratio | 15.5861% | 3,489 |
| Memoranda: | ||
| Average total assets | $18,601,000 | 7,664 |
| Average earning assets | $16,448,000 | 7,648 |
| Average equity | $1,563,670 | 7,740 |
| Average total loans | $10,062,330 | 7,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 4,719 |
| Cost of funding earning assets | 0.9162% | 6,706 |
| Net interest margin | 4.1471% | 2,245 |
| Noninterest income to average assets | 0.7087% | 2,535 |
| Noninterest expense to average assets | 4.1234% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0430% | 6,184 |
| Return on assets (ROA) | 0.0430% | 6,296 |
| Pretax return on assets | 0.2792% | 5,663 |
| Return on Equity (ROE) | 0.5158% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.5158% | 5,622 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6585% | 1,155 |
| Assets per employee ($millions) | 2.3653% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,149 |
| Loan loss allowance to noncurrent loans | 450.0000% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 7,111 |
| Noncurrent loans to loans | 0.2801% | 6,763 |
| Net loans and leases to total assets | 52.1615% | 6,253 |
| Net loans and leases to deposits | 57.8207% | 6,633 |
| Net loans and leases to core deposits | 57.8207% | 6,890 |
| Total domestic deposits to total assets | 90.2125% | 885 |
| Equity capital to assets | 8.2021% | 6,428 |
| Core capital (leverage) ratio | 8.2213% | 5,880 |
| Tier 1 risk-based capital ratio | 14.4028% | 3,434 |
| Total risk-based capital ratio | 15.5897% | 3,433 |
| Memoranda: | ||
| Average total assets | $18,625,500 | 7,758 |
| Average earning assets | $16,590,000 | 7,741 |
| Average equity | $1,551,000 | 7,830 |
| Average total loans | $9,983,500 | 7,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 3,460 |
| Cost of funding earning assets | 1.1279% | 6,891 |
| Net interest margin | 4.4988% | 1,185 |
| Noninterest income to average assets | 0.8172% | 2,320 |
| Noninterest expense to average assets | 4.5233% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3050% | 4,518 |
| Return on assets (ROA) | 0.3050% | 4,596 |
| Pretax return on assets | 0.3568% | 4,621 |
| Return on Equity (ROE) | 3.4207% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.7426% | 3,870 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6887% | 1,514 |
| Assets per employee ($millions) | 2.2911% | 7,480 |
| Cash dividends to net income (ytd only)* | 49.0566% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 4,970 |
| Loan loss allowance to noncurrent loans | 2,520.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 7,453 |
| Noncurrent loans to loans | 0.0501% | 7,304 |
| Net loans and leases to total assets | 53.7127% | 6,223 |
| Net loans and leases to deposits | 59.7355% | 6,650 |
| Net loans and leases to core deposits | 63.5325% | 7,116 |
| Total domestic deposits to total assets | 89.9176% | 1,003 |
| Equity capital to assets | 8.4565% | 5,956 |
| Core capital (leverage) ratio | 8.2567% | 5,708 |
| Tier 1 risk-based capital ratio | 14.5973% | 3,155 |
| Total risk-based capital ratio | 15.8026% | 3,128 |
| Memoranda: | ||
| Average total assets | $17,376,800 | 7,846 |
| Average earning assets | $15,693,000 | 7,827 |
| Average equity | $1,549,400 | 7,920 |
| Average total loans | $9,609,400 | 7,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7013% | 3,332 |
| Cost of funding earning assets | 1.1540% | 7,031 |
| Net interest margin | 4.5474% | 1,077 |
| Noninterest income to average assets | 0.8246% | 2,320 |
| Noninterest expense to average assets | 4.4732% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4279% | 4,286 |
| Return on assets (ROA) | 0.4279% | 4,388 |
| Pretax return on assets | 0.4901% | 4,548 |
| Return on Equity (ROE) | 4.7333% | 4,068 |
| Retained earnings to average equity (ytd only) | 2.4960% | 3,928 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1254% | 1,678 |
| Assets per employee ($millions) | 2.5773% | 7,093 |
| Cash dividends to net income (ytd only)* | 47.2794% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,441 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,460 |
| Noncurrent loans to loans | 0.0832% | 7,277 |
| Net loans and leases to total assets | 52.6246% | 6,547 |
| Net loans and leases to deposits | 58.7173% | 6,917 |
| Net loans and leases to core deposits | 62.5428% | 7,303 |
| Total domestic deposits to total assets | 89.6236% | 916 |
| Equity capital to assets | 8.6802% | 5,987 |
| Core capital (leverage) ratio | 8.7371% | 5,065 |
| Tier 1 risk-based capital ratio | 15.1416% | 2,981 |
| Total risk-based capital ratio | 16.3894% | 2,916 |
| Memoranda: | ||
| Average total assets | $17,138,750 | 7,929 |
| Average earning assets | $15,598,500 | 7,910 |
| Average equity | $1,549,250 | 8,006 |
| Average total loans | $9,519,000 | 7,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8038% | 3,024 |
| Cost of funding earning assets | 1.1869% | 7,143 |
| Net interest margin | 4.6170% | 924 |
| Noninterest income to average assets | 0.7602% | 2,648 |
| Noninterest expense to average assets | 4.4898% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3801% | 4,583 |
| Return on assets (ROA) | 0.3801% | 4,687 |
| Pretax return on assets | 0.4751% | 4,701 |
| Return on Equity (ROE) | 4.1460% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.7774% | 4,883 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4306% | 1,770 |
| Assets per employee ($millions) | 2.4957% | 7,264 |
| Cash dividends to net income (ytd only)* | 81.2500% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,179 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,591 |
| Noncurrent loans to loans | 0.0314% | 7,460 |
| Net loans and leases to total assets | 54.0355% | 6,449 |
| Net loans and leases to deposits | 60.3696% | 6,856 |
| Net loans and leases to core deposits | 64.4369% | 7,278 |
| Total domestic deposits to total assets | 89.5077% | 1,038 |
| Equity capital to assets | 8.8437% | 5,533 |
| Core capital (leverage) ratio | 8.6631% | 5,158 |
| Tier 1 risk-based capital ratio | 15.3094% | 2,882 |
| Total risk-based capital ratio | 16.5615% | 2,818 |
| Memoranda: | ||
| Average total assets | $16,838,000 | 8,017 |
| Average earning assets | $15,334,670 | 7,999 |
| Average equity | $1,543,670 | 8,091 |
| Average total loans | $9,485,330 | 7,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 2,752 |
| Cost of funding earning assets | 1.2189% | 7,254 |
| Net interest margin | 4.6901% | 777 |
| Noninterest income to average assets | 0.7021% | 2,880 |
| Noninterest expense to average assets | 4.5515% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2421% | 5,518 |
| Return on assets (ROA) | 0.2421% | 5,684 |
| Pretax return on assets | 0.4358% | 5,291 |
| Return on Equity (ROE) | 2.5924% | 5,529 |
| Retained earnings to average equity (ytd only) | -4.1478% | 6,443 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2621% | 1,633 |
| Assets per employee ($millions) | 2.0944% | 7,810 |
| Cash dividends to net income (ytd only)* | 260.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 3,885 |
| Loan loss allowance to noncurrent loans | 12,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,632 |
| Noncurrent loans to loans | 0.0106% | 7,539 |
| Net loans and leases to total assets | 55.5774% | 6,299 |
| Net loans and leases to deposits | 62.3085% | 6,710 |
| Net loans and leases to core deposits | 66.2352% | 7,230 |
| Total domestic deposits to total assets | 89.1973% | 1,142 |
| Equity capital to assets | 9.1316% | 5,180 |
| Core capital (leverage) ratio | 8.9204% | 4,837 |
| Tier 1 risk-based capital ratio | 15.4890% | 2,859 |
| Total risk-based capital ratio | 16.7415% | 2,789 |
| Memoranda: | ||
| Average total assets | $16,522,000 | 8,078 |
| Average earning assets | $15,095,500 | 8,051 |
| Average equity | $1,543,000 | 8,143 |
| Average total loans | $9,445,000 | 7,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6676% | 2,170 |
| Cost of funding earning assets | 1.8532% | 6,859 |
| Net interest margin | 4.8143% | 759 |
| Noninterest income to average assets | 0.8499% | 2,230 |
| Noninterest expense to average assets | 4.7048% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4371% | 5,001 |
| Return on assets (ROA) | 0.4371% | 4,826 |
| Pretax return on assets | 0.4978% | 4,980 |
| Return on Equity (ROE) | 4.8090% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.8052% | 3,435 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4317% | 1,478 |
| Assets per employee ($millions) | 2.0361% | 7,888 |
| Cash dividends to net income (ytd only)* | 41.6667% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 3,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.2534% | 6,308 |
| Net loans and leases to deposits | 64.5755% | 6,747 |
| Net loans and leases to core deposits | 69.3177% | 7,229 |
| Total domestic deposits to total assets | 88.6611% | 1,174 |
| Equity capital to assets | 9.5525% | 4,610 |
| Core capital (leverage) ratio | 9.1917% | 4,452 |
| Tier 1 risk-based capital ratio | 15.8462% | 2,726 |
| Total risk-based capital ratio | 17.0928% | 2,664 |
| Memoranda: | ||
| Average total assets | $16,472,600 | 8,124 |
| Average earning assets | $14,893,000 | 8,109 |
| Average equity | $1,497,200 | 8,216 |
| Average total loans | $9,730,000 | 7,955 |