Home > State Bank of Cokato > Performance and Condition Ratios
State Bank of Cokato, 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 | 3.9662% | 5,871 |
| Cost of funding earning assets | 1.0279% | 1,826 |
| Net interest margin | 2.9382% | 6,414 |
| Noninterest income to average assets | 0.8385% | 1,991 |
| Noninterest expense to average assets | 5.2371% | 319 |
| Loan and lease loss provision to assets | 0.8091% | 602 |
| Net operating income to assets | -2.6847% | 7,207 |
| Return on assets (ROA) | -2.6847% | 7,206 |
| Pretax return on assets | -2.6847% | 7,192 |
| Return on Equity (ROE) | -58.7643% | 7,240 |
| Retained earnings to average equity (ytd only) | -58.7643% | 7,230 |
| Net charge-offs to loans | 0.3149% | 2,385 |
| Credit loss provision to net charge-offs | 458.3333% | 706 |
| Earnings coverage of net charge-offs (x) | -10.6250% | 4,692 |
| Efficiency ratio | 155.7987% | 91 |
| Assets per employee ($millions) | 3.7145% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6269% | 1,194 |
| Loan loss allowance to noncurrent loans | 34.6322% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 11.1169% | 241 |
| Noncurrent loans to loans | 7.5853% | 547 |
| Net loans and leases to total assets | 52.6231% | 4,931 |
| Net loans and leases to deposits | 54.9795% | 5,709 |
| Net loans and leases to core deposits | 55.7913% | 5,919 |
| Total domestic deposits to total assets | 95.7141% | 44 |
| Equity capital to assets | 4.1567% | 7,175 |
| Core capital (leverage) ratio | 4.3716% | 7,157 |
| Tier 1 risk-based capital ratio | 6.3395% | 7,165 |
| Total risk-based capital ratio | 7.6264% | 7,163 |
| Memoranda: | ||
| Average total assets | $54,381,500 | 6,217 |
| Average earning assets | $46,695,000 | 6,308 |
| Average equity | $2,484,500 | 7,067 |
| Average total loans | $30,482,500 | 6,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 4,071 |
| Cost of funding earning assets | 1.2509% | 1,731 |
| Net interest margin | 3.4911% | 5,175 |
| Noninterest income to average assets | 0.2319% | 5,878 |
| Noninterest expense to average assets | 4.0849% | 928 |
| Loan and lease loss provision to assets | 0.1484% | 4,755 |
| Net operating income to assets | -1.0296% | 6,750 |
| Return on assets (ROA) | -0.6604% | 6,620 |
| Pretax return on assets | -0.6604% | 6,578 |
| Return on Equity (ROE) | -12.7407% | 6,822 |
| Retained earnings to average equity (ytd only) | -12.7407% | 6,795 |
| Net charge-offs to loans | 0.6202% | 2,596 |
| Credit loss provision to net charge-offs | 38.2775% | 5,661 |
| Earnings coverage of net charge-offs (x) | -2.2727% | 6,293 |
| Efficiency ratio | 127.5043% | 249 |
| Assets per employee ($millions) | 3.5364% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,644 |
| Loan loss allowance to noncurrent loans | 44.4515% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 10.9999% | 266 |
| Noncurrent loans to loans | 5.1403% | 1,088 |
| Net loans and leases to total assets | 56.8356% | 4,569 |
| Net loans and leases to deposits | 59.8955% | 5,493 |
| Net loans and leases to core deposits | 59.8955% | 5,855 |
| Total domestic deposits to total assets | 94.8912% | 62 |
| Equity capital to assets | 5.0013% | 7,167 |
| Core capital (leverage) ratio | 5.1022% | 7,135 |
| Tier 1 risk-based capital ratio | 7.3158% | 7,142 |
| Total risk-based capital ratio | 8.5428% | 7,143 |
| Memoranda: | ||
| Average total assets | $53,905,600 | 6,231 |
| Average earning assets | $45,887,600 | 6,337 |
| Average equity | $2,794,200 | 7,058 |
| Average total loans | $33,696,200 | 5,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 3,863 |
| Cost of funding earning assets | 1.1636% | 2,541 |
| Net interest margin | 3.6703% | 4,474 |
| Noninterest income to average assets | -0.0862% | 7,199 |
| Noninterest expense to average assets | 4.0181% | 988 |
| Loan and lease loss provision to assets | 0.1232% | 4,899 |
| Net operating income to assets | -1.1037% | 6,922 |
| Return on assets (ROA) | -0.6134% | 6,746 |
| Pretax return on assets | -0.6134% | 6,684 |
| Return on Equity (ROE) | -11.7332% | 6,942 |
| Retained earnings to average equity (ytd only) | -11.7332% | 6,910 |
| Net charge-offs to loans | 0.2093% | 4,124 |
| Credit loss provision to net charge-offs | 92.5926% | 3,681 |
| Earnings coverage of net charge-offs (x) | -7.3701% | 6,121 |
| Efficiency ratio | 132.2790% | 217 |
| Assets per employee ($millions) | 3.4549% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5644% | 1,316 |
| Loan loss allowance to noncurrent loans | 39.6371% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 11.3868% | 259 |
| Noncurrent loans to loans | 6.4698% | 821 |
| Net loans and leases to total assets | 60.8533% | 3,973 |
| Net loans and leases to deposits | 64.3697% | 5,120 |
| Net loans and leases to core deposits | 64.8956% | 5,532 |
| Total domestic deposits to total assets | 94.5372% | 65 |
| Equity capital to assets | 5.3027% | 7,242 |
| Core capital (leverage) ratio | 5.2796% | 7,208 |
| Tier 1 risk-based capital ratio | 7.5046% | 7,218 |
| Total risk-based capital ratio | 8.7661% | 7,221 |
| Memoranda: | ||
| Average total assets | $54,120,500 | 6,276 |
| Average earning assets | $46,062,000 | 6,382 |
| Average equity | $2,829,500 | 7,116 |
| Average total loans | $34,406,750 | 5,999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 3,557 |
| Cost of funding earning assets | 1.3345% | 1,731 |
| Net interest margin | 3.5787% | 4,793 |
| Noninterest income to average assets | -0.1093% | 7,295 |
| Noninterest expense to average assets | 3.9245% | 1,152 |
| Loan and lease loss provision to assets | 0.1822% | 4,099 |
| Net operating income to assets | -1.1770% | 6,997 |
| Return on assets (ROA) | -0.9802% | 6,943 |
| Pretax return on assets | -0.9802% | 6,891 |
| Return on Equity (ROE) | -18.8331% | 7,141 |
| Retained earnings to average equity (ytd only) | -18.8331% | 7,124 |
| Net charge-offs to loans | 0.3363% | 3,219 |
| Credit loss provision to net charge-offs | 84.7458% | 3,626 |
| Earnings coverage of net charge-offs (x) | -4.6271% | 5,792 |
| Efficiency ratio | 133.9552% | 233 |
| Assets per employee ($millions) | 3.5113% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5152% | 1,424 |
| Loan loss allowance to noncurrent loans | 68.8073% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 9.8369% | 406 |
| Noncurrent loans to loans | 3.6554% | 1,921 |
| Net loans and leases to total assets | 60.7112% | 4,142 |
| Net loans and leases to deposits | 64.1843% | 5,244 |
| Net loans and leases to core deposits | 64.6999% | 5,648 |
| Total domestic deposits to total assets | 94.5888% | 60 |
| Equity capital to assets | 5.2650% | 7,309 |
| Core capital (leverage) ratio | 5.1002% | 7,293 |
| Tier 1 risk-based capital ratio | 7.2486% | 7,298 |
| Total risk-based capital ratio | 8.5098% | 7,298 |
| Memoranda: | ||
| Average total assets | $54,886,330 | 6,303 |
| Average earning assets | $46,609,000 | 6,419 |
| Average equity | $2,856,670 | 7,164 |
| Average total loans | $35,087,000 | 6,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 3,914 |
| Cost of funding earning assets | 1.3545% | 1,857 |
| Net interest margin | 3.4747% | 5,122 |
| Noninterest income to average assets | -0.8644% | 7,530 |
| Noninterest expense to average assets | 3.7575% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.6716% | 7,236 |
| Return on assets (ROA) | -1.6716% | 7,241 |
| Pretax return on assets | -1.6716% | 7,209 |
| Return on Equity (ROE) | -32.2926% | 7,339 |
| Retained earnings to average equity (ytd only) | -32.2926% | 7,314 |
| Net charge-offs to loans | 0.5189% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -4.9787% | 5,024 |
| Efficiency ratio | 180.1370% | 84 |
| Assets per employee ($millions) | 3.6820% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,933 |
| Loan loss allowance to noncurrent loans | 53.5326% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 10.0362% | 413 |
| Noncurrent loans to loans | 4.1336% | 1,740 |
| Net loans and leases to total assets | 63.0509% | 3,642 |
| Net loans and leases to deposits | 67.8308% | 4,699 |
| Net loans and leases to core deposits | 68.3595% | 5,246 |
| Total domestic deposits to total assets | 92.9531% | 141 |
| Equity capital to assets | 5.0733% | 7,371 |
| Core capital (leverage) ratio | 5.0740% | 7,355 |
| Tier 1 risk-based capital ratio | 6.9443% | 7,372 |
| Total risk-based capital ratio | 8.2033% | 7,375 |
| Memoranda: | ||
| Average total assets | $55,995,000 | 6,311 |
| Average earning assets | $47,544,000 | 6,432 |
| Average equity | $2,898,500 | 7,199 |
| Average total loans | $36,230,000 | 6,018 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 3,949 |
| Cost of funding earning assets | 1.5202% | 2,530 |
| Net interest margin | 3.6117% | 4,759 |
| Noninterest income to average assets | -0.1282% | 7,415 |
| Noninterest expense to average assets | 3.9837% | 1,181 |
| Loan and lease loss provision to assets | 0.9485% | 1,718 |
| Net operating income to assets | -1.9181% | 7,039 |
| Return on assets (ROA) | -1.7249% | 6,999 |
| Pretax return on assets | -1.7249% | 6,934 |
| Return on Equity (ROE) | -28.9198% | 7,207 |
| Retained earnings to average equity (ytd only) | -28.9198% | 7,195 |
| Net charge-offs to loans | 1.4867% | 1,477 |
| Credit loss provision to net charge-offs | 88.3797% | 5,192 |
| Earnings coverage of net charge-offs (x) | -0.9034% | 6,581 |
| Efficiency ratio | 132.1678% | 301 |
| Assets per employee ($millions) | 3.7840% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 1,751 |
| Loan loss allowance to noncurrent loans | 57.2409% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 10.3030% | 389 |
| Noncurrent loans to loans | 3.9540% | 1,845 |
| Net loans and leases to total assets | 63.4514% | 3,977 |
| Net loans and leases to deposits | 68.3565% | 5,055 |
| Net loans and leases to core deposits | 68.8755% | 5,569 |
| Total domestic deposits to total assets | 92.8242% | 153 |
| Equity capital to assets | 5.2766% | 7,414 |
| Core capital (leverage) ratio | 5.4269% | 7,370 |
| Tier 1 risk-based capital ratio | 7.4033% | 7,394 |
| Total risk-based capital ratio | 8.6620% | 7,396 |
| Memoranda: | ||
| Average total assets | $56,932,000 | 6,313 |
| Average earning assets | $49,533,000 | 6,387 |
| Average equity | $3,395,600 | 7,163 |
| Average total loans | $41,097,800 | 5,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 2,855 |
| Cost of funding earning assets | 1.5634% | 2,589 |
| Net interest margin | 3.8417% | 3,789 |
| Noninterest income to average assets | -1.0273% | 7,730 |
| Noninterest expense to average assets | 3.8519% | 1,277 |
| Loan and lease loss provision to assets | 0.4844% | 3,051 |
| Net operating income to assets | -2.0055% | 7,242 |
| Return on assets (ROA) | -1.7504% | 7,187 |
| Pretax return on assets | -1.7504% | 7,120 |
| Return on Equity (ROE) | -28.5292% | 7,368 |
| Retained earnings to average equity (ytd only) | -28.5292% | 7,359 |
| Net charge-offs to loans | 0.1866% | 4,833 |
| Credit loss provision to net charge-offs | 350.8475% | 898 |
| Earnings coverage of net charge-offs (x) | -11.0177% | 6,627 |
| Efficiency ratio | 165.2610% | 148 |
| Assets per employee ($millions) | 3.6975% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 1,137 |
| Loan loss allowance to noncurrent loans | 43.4585% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 10.7964% | 342 |
| Noncurrent loans to loans | 6.1027% | 1,016 |
| Net loans and leases to total assets | 69.6879% | 2,811 |
| Net loans and leases to deposits | 75.6720% | 4,232 |
| Net loans and leases to core deposits | 77.0247% | 4,915 |
| Total domestic deposits to total assets | 92.0920% | 179 |
| Equity capital to assets | 5.9445% | 7,494 |
| Core capital (leverage) ratio | 5.7933% | 7,459 |
| Tier 1 risk-based capital ratio | 7.7382% | 7,500 |
| Total risk-based capital ratio | 9.0081% | 7,502 |
| Memoranda: | ||
| Average total assets | $56,975,000 | 6,387 |
| Average earning assets | $49,803,500 | 6,444 |
| Average equity | $3,495,750 | 7,227 |
| Average total loans | $42,160,000 | 5,911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 2,248 |
| Cost of funding earning assets | 1.5839% | 2,751 |
| Net interest margin | 3.9875% | 3,077 |
| Noninterest income to average assets | -1.8894% | 7,819 |
| Noninterest expense to average assets | 3.9249% | 1,148 |
| Loan and lease loss provision to assets | 0.3723% | 3,477 |
| Net operating income to assets | -2.6827% | 7,458 |
| Return on assets (ROA) | -2.6827% | 7,469 |
| Pretax return on assets | -2.6827% | 7,413 |
| Return on Equity (ROE) | -43.2903% | 7,558 |
| Retained earnings to average equity (ytd only) | -43.2903% | 7,552 |
| Net charge-offs to loans | -0.1117% | 7,570 |
| Credit loss provision to net charge-offs | -445.8333% | 6,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 243.1034% | 60 |
| Assets per employee ($millions) | 3.7891% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 1,342 |
| Loan loss allowance to noncurrent loans | 30.8609% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 10.4545% | 365 |
| Noncurrent loans to loans | 7.9942% | 652 |
| Net loans and leases to total assets | 72.0605% | 2,381 |
| Net loans and leases to deposits | 79.7201% | 3,648 |
| Net loans and leases to core deposits | 81.9484% | 4,426 |
| Total domestic deposits to total assets | 90.3918% | 725 |
| Equity capital to assets | 5.9451% | 7,550 |
| Core capital (leverage) ratio | 5.6904% | 7,528 |
| Tier 1 risk-based capital ratio | 7.4938% | 7,560 |
| Total risk-based capital ratio | 8.7574% | 7,565 |
| Memoranda: | ||
| Average total assets | $57,479,000 | 6,417 |
| Average earning assets | $50,507,670 | 6,460 |
| Average equity | $3,562,000 | 7,247 |
| Average total loans | $42,978,670 | 5,902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 3,352 |
| Cost of funding earning assets | 1.6322% | 2,760 |
| Net interest margin | 3.7060% | 4,210 |
| Noninterest income to average assets | -4.4913% | 7,930 |
| Noninterest expense to average assets | 3.9792% | 1,061 |
| Loan and lease loss provision to assets | 0.0484% | 6,179 |
| Net operating income to assets | -5.2664% | 7,794 |
| Return on assets (ROA) | -5.2664% | 7,798 |
| Pretax return on assets | -5.2664% | 7,777 |
| Return on Equity (ROE) | -83.3174% | 7,802 |
| Retained earnings to average equity (ytd only) | -83.3174% | 7,798 |
| Net charge-offs to loans | -0.0184% | 7,055 |
| Credit loss provision to net charge-offs | -350.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -321.2291% | 7,930 |
| Assets per employee ($millions) | 3.8502% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 1,880 |
| Loan loss allowance to noncurrent loans | 19.8005% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 11.6860% | 285 |
| Noncurrent loans to loans | 10.7776% | 371 |
| Net loans and leases to total assets | 72.4984% | 2,331 |
| Net loans and leases to deposits | 79.9656% | 3,663 |
| Net loans and leases to core deposits | 82.9651% | 4,349 |
| Total domestic deposits to total assets | 90.6620% | 673 |
| Equity capital to assets | 5.6967% | 7,660 |
| Core capital (leverage) ratio | 5.6896% | 7,625 |
| Tier 1 risk-based capital ratio | 7.3879% | 7,670 |
| Total risk-based capital ratio | 8.6565% | 7,674 |
| Memoranda: | ||
| Average total assets | $57,800,000 | 6,475 |
| Average earning assets | $50,729,000 | 6,518 |
| Average equity | $3,653,500 | 7,302 |
| Average total loans | $43,471,500 | 5,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 3,351 |
| Cost of funding earning assets | 1.8661% | 3,643 |
| Net interest margin | 3.7841% | 3,778 |
| Noninterest income to average assets | 0.9746% | 1,653 |
| Noninterest expense to average assets | 3.6893% | 1,936 |
| Loan and lease loss provision to assets | 2.9207% | 609 |
| Net operating income to assets | -2.2087% | 7,168 |
| Return on assets (ROA) | -2.1277% | 7,136 |
| Pretax return on assets | -2.1277% | 6,991 |
| Return on Equity (ROE) | -27.4822% | 7,351 |
| Retained earnings to average equity (ytd only) | -28.2363% | 7,350 |
| Net charge-offs to loans | 3.4114% | 580 |
| Credit loss provision to net charge-offs | 101.6940% | 5,432 |
| Earnings coverage of net charge-offs (x) | 0.2479% | 5,871 |
| Efficiency ratio | 83.8246% | 2,371 |
| Assets per employee ($millions) | 3.6154% | 4,750 |
| Cash dividends to net income (ytd only)* | -2.7439% | 7,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 1,916 |
| Loan loss allowance to noncurrent loans | 21.8705% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 12.2582% | 241 |
| Noncurrent loans to loans | 9.3705% | 461 |
| Net loans and leases to total assets | 74.7748% | 2,080 |
| Net loans and leases to deposits | 83.6104% | 3,346 |
| Net loans and leases to core deposits | 100.6633% | 3,934 |
| Total domestic deposits to total assets | 89.4325% | 1,250 |
| Equity capital to assets | 6.9442% | 7,395 |
| Core capital (leverage) ratio | 6.5074% | 7,491 |
| Tier 1 risk-based capital ratio | 8.8066% | 7,537 |
| Total risk-based capital ratio | 10.0637% | 7,559 |
| Memoranda: | ||
| Average total assets | $61,664,000 | 6,283 |
| Average earning assets | $55,838,200 | 6,300 |
| Average equity | $4,774,000 | 7,032 |
| Average total loans | $51,914,400 | 5,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 4,088 |
| Cost of funding earning assets | 1.8719% | 4,036 |
| Net interest margin | 3.6902% | 4,111 |
| Noninterest income to average assets | 1.0625% | 1,406 |
| Noninterest expense to average assets | 3.5431% | 2,161 |
| Loan and lease loss provision to assets | 2.0569% | 866 |
| Net operating income to assets | -1.1626% | 6,940 |
| Return on assets (ROA) | -1.0561% | 6,873 |
| Pretax return on assets | -1.0561% | 6,724 |
| Return on Equity (ROE) | -13.3243% | 7,095 |
| Retained earnings to average equity (ytd only) | -14.2914% | 7,091 |
| Net charge-offs to loans | 0.3640% | 3,832 |
| Credit loss provision to net charge-offs | 657.1429% | 570 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,793 |
| Efficiency ratio | 79.8464% | 2,870 |
| Assets per employee ($millions) | 3.8889% | 3,972 |
| Cash dividends to net income (ytd only)* | -7.2582% | 7,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2344% | 542 |
| Loan loss allowance to noncurrent loans | 21.2220% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 14.6299% | 129 |
| Noncurrent loans to loans | 15.2409% | 141 |
| Net loans and leases to total assets | 81.4985% | 894 |
| Net loans and leases to deposits | 94.6312% | 1,774 |
| Net loans and leases to core deposits | 111.3967% | 3,082 |
| Total domestic deposits to total assets | 86.1223% | 2,634 |
| Equity capital to assets | 7.7368% | 7,114 |
| Core capital (leverage) ratio | 7.8857% | 6,521 |
| Tier 1 risk-based capital ratio | 9.1311% | 7,570 |
| Total risk-based capital ratio | 10.3863% | 7,574 |
| Memoranda: | ||
| Average total assets | $62,618,250 | 6,290 |
| Average earning assets | $57,267,000 | 6,288 |
| Average equity | $4,963,250 | 7,010 |
| Average total loans | $53,853,000 | 5,561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7890% | 3,100 |
| Cost of funding earning assets | 1.9714% | 3,907 |
| Net interest margin | 3.8175% | 3,474 |
| Noninterest income to average assets | 0.7267% | 2,829 |
| Noninterest expense to average assets | 3.5888% | 2,095 |
| Loan and lease loss provision to assets | 2.5020% | 625 |
| Net operating income to assets | -1.8709% | 7,391 |
| Return on assets (ROA) | -1.1761% | 7,108 |
| Pretax return on assets | -1.1761% | 6,921 |
| Return on Equity (ROE) | -14.7217% | 7,315 |
| Retained earnings to average equity (ytd only) | -16.1580% | 7,306 |
| Net charge-offs to loans | 0.2356% | 4,024 |
| Credit loss provision to net charge-offs | 1,226.5625% | 401 |
| Earnings coverage of net charge-offs (x) | 3.0938% | 3,571 |
| Efficiency ratio | 85.0453% | 2,351 |
| Assets per employee ($millions) | 3.7161% | 4,285 |
| Cash dividends to net income (ytd only)* | -9.7561% | 7,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0458% | 547 |
| Loan loss allowance to noncurrent loans | 23.3411% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 12.5906% | 157 |
| Noncurrent loans to loans | 13.0493% | 180 |
| Net loans and leases to total assets | 85.4988% | 436 |
| Net loans and leases to deposits | 100.2465% | 1,267 |
| Net loans and leases to core deposits | 114.4881% | 2,856 |
| Total domestic deposits to total assets | 85.2885% | 3,115 |
| Equity capital to assets | 8.2446% | 6,424 |
| Core capital (leverage) ratio | 7.9533% | 6,417 |
| Tier 1 risk-based capital ratio | 9.4024% | 7,472 |
| Total risk-based capital ratio | 10.6749% | 7,420 |
| Memoranda: | ||
| Average total assets | $62,750,330 | 6,343 |
| Average earning assets | $57,419,670 | 6,338 |
| Average equity | $5,013,000 | 7,057 |
| Average total loans | $54,335,670 | 5,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 4,503 |
| Cost of funding earning assets | 2.0319% | 3,976 |
| Net interest margin | 3.5423% | 4,559 |
| Noninterest income to average assets | 0.6460% | 3,225 |
| Noninterest expense to average assets | 3.4039% | 2,346 |
| Loan and lease loss provision to assets | 2.3604% | 499 |
| Net operating income to assets | -1.8697% | 7,623 |
| Return on assets (ROA) | -1.5591% | 7,524 |
| Pretax return on assets | -1.5591% | 7,391 |
| Return on Equity (ROE) | -19.8086% | 7,748 |
| Retained earnings to average equity (ytd only) | -22.6497% | 7,713 |
| Net charge-offs to loans | 0.1158% | 4,043 |
| Credit loss provision to net charge-offs | 2,375.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 4.9375% | 2,789 |
| Efficiency ratio | 87.4003% | 1,946 |
| Assets per employee ($millions) | 3.7055% | 4,327 |
| Cash dividends to net income (ytd only)* | -14.3426% | 8,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 980 |
| Loan loss allowance to noncurrent loans | 26.0340% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 8.5834% | 317 |
| Noncurrent loans to loans | 8.7290% | 381 |
| Net loans and leases to total assets | 84.6509% | 601 |
| Net loans and leases to deposits | 102.1591% | 1,166 |
| Net loans and leases to core deposits | 121.1326% | 2,321 |
| Total domestic deposits to total assets | 82.8619% | 4,210 |
| Equity capital to assets | 8.0055% | 6,802 |
| Core capital (leverage) ratio | 7.9200% | 6,585 |
| Tier 1 risk-based capital ratio | 9.2527% | 7,625 |
| Total risk-based capital ratio | 10.5160% | 7,593 |
| Memoranda: | ||
| Average total assets | $64,397,000 | 6,316 |
| Average earning assets | $59,057,000 | 6,298 |
| Average equity | $5,068,500 | 7,086 |
| Average total loans | $55,287,500 | 5,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6760% | 2,125 |
| Cost of funding earning assets | 2.8066% | 2,679 |
| Net interest margin | 3.8693% | 3,710 |
| Noninterest income to average assets | 0.6892% | 3,192 |
| Noninterest expense to average assets | 3.5225% | 2,332 |
| Loan and lease loss provision to assets | 0.4376% | 3,102 |
| Net operating income to assets | 0.2969% | 5,558 |
| Return on assets (ROA) | 0.3438% | 5,198 |
| Pretax return on assets | 0.3438% | 5,406 |
| Return on Equity (ROE) | 4.4305% | 4,626 |
| Retained earnings to average equity (ytd only) | -0.9868% | 5,589 |
| Net charge-offs to loans | 0.2762% | 3,552 |
| Credit loss provision to net charge-offs | 189.1892% | 2,614 |
| Earnings coverage of net charge-offs (x) | 3.1757% | 4,498 |
| Efficiency ratio | 82.7460% | 2,212 |
| Assets per employee ($millions) | 3.2900% | 5,238 |
| Cash dividends to net income (ytd only)* | 122.2727% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,379 |
| Loan loss allowance to noncurrent loans | 25.2887% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 5.9863% | 498 |
| Noncurrent loans to loans | 6.1846% | 553 |
| Net loans and leases to total assets | 83.7903% | 925 |
| Net loans and leases to deposits | 104.1109% | 1,330 |
| Net loans and leases to core deposits | 122.1454% | 2,495 |
| Total domestic deposits to total assets | 80.4818% | 4,844 |
| Equity capital to assets | 7.7416% | 7,162 |
| Core capital (leverage) ratio | 7.6904% | 6,953 |
| Tier 1 risk-based capital ratio | 8.8628% | 7,868 |
| Total risk-based capital ratio | 10.1165% | 7,901 |
| Memoranda: | ||
| Average total assets | $63,988,200 | 6,231 |
| Average earning assets | $59,002,800 | 6,219 |
| Average equity | $4,965,600 | 7,156 |
| Average total loans | $53,585,400 | 5,542 |