Home > State Bank of Prairie du Rocher > Performance and Condition Ratios
State Bank of Prairie du Rocher, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 4,339 |
| Cost of funding earning assets | 1.2688% | 507 |
| Net interest margin | 3.0592% | 6,046 |
| Noninterest income to average assets | 0.7415% | 2,522 |
| Noninterest expense to average assets | 2.5162% | 5,025 |
| Loan and lease loss provision to assets | 0.0229% | 5,508 |
| Net operating income to assets | 1.0852% | 2,149 |
| Return on assets (ROA) | 1.0852% | 2,344 |
| Pretax return on assets | 1.0852% | 3,406 |
| Return on Equity (ROE) | 15.1027% | 881 |
| Retained earnings to average equity (ytd only) | -6.9862% | 6,714 |
| Net charge-offs to loans | 0.0283% | 5,264 |
| Credit loss provision to net charge-offs | 137.5000% | 2,093 |
| Earnings coverage of net charge-offs (x) | 66.4780% | 607 |
| Efficiency ratio | 69.4253% | 3,799 |
| Assets per employee ($millions) | 4.6594% | 2,663 |
| Cash dividends to net income (ytd only)* | 146.2564% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 6,887 |
| Loan loss allowance to noncurrent loans | 735.4839% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 6,636 |
| Noncurrent loans to loans | 0.0790% | 6,418 |
| Net loans and leases to total assets | 59.8035% | 3,818 |
| Net loans and leases to deposits | 64.5974% | 4,644 |
| Net loans and leases to core deposits | 66.2596% | 4,929 |
| Total domestic deposits to total assets | 92.5788% | 147 |
| Equity capital to assets | 6.6593% | 6,923 |
| Core capital (leverage) ratio | 6.6288% | 6,861 |
| Tier 1 risk-based capital ratio | 11.4672% | 6,244 |
| Total risk-based capital ratio | 12.0691% | 6,532 |
| Memoranda: | ||
| Average total assets | $64,010,250 | 5,880 |
| Average earning assets | $60,319,000 | 5,792 |
| Average equity | $4,599,500 | 6,490 |
| Average total loans | $37,735,750 | 5,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 4,507 |
| Cost of funding earning assets | 1.2885% | 552 |
| Net interest margin | 3.0266% | 6,184 |
| Noninterest income to average assets | 0.7138% | 2,587 |
| Noninterest expense to average assets | 2.5565% | 4,936 |
| Loan and lease loss provision to assets | 0.0189% | 5,431 |
| Net operating income to assets | 0.9968% | 2,479 |
| Return on assets (ROA) | 0.9968% | 2,702 |
| Pretax return on assets | 0.9968% | 3,722 |
| Return on Equity (ROE) | 13.5335% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.9835% | 1,645 |
| Net charge-offs to loans | 0.0376% | 4,852 |
| Credit loss provision to net charge-offs | 85.7143% | 3,166 |
| Earnings coverage of net charge-offs (x) | 46.1429% | 780 |
| Efficiency ratio | 71.5669% | 3,506 |
| Assets per employee ($millions) | 4.4069% | 3,079 |
| Cash dividends to net income (ytd only)* | 41.0095% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 6,946 |
| Loan loss allowance to noncurrent loans | 2,488.8889% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 6,805 |
| Noncurrent loans to loans | 0.0235% | 6,633 |
| Net loans and leases to total assets | 57.6509% | 4,226 |
| Net loans and leases to deposits | 62.6772% | 4,919 |
| Net loans and leases to core deposits | 64.3581% | 5,172 |
| Total domestic deposits to total assets | 91.9807% | 228 |
| Equity capital to assets | 7.2190% | 6,864 |
| Core capital (leverage) ratio | 7.3148% | 6,713 |
| Tier 1 risk-based capital ratio | 12.7597% | 5,370 |
| Total risk-based capital ratio | 13.3586% | 5,835 |
| Memoranda: | ||
| Average total assets | $63,603,000 | 5,927 |
| Average earning assets | $60,068,000 | 5,840 |
| Average equity | $4,684,670 | 6,490 |
| Average total loans | $37,234,670 | 5,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 4,326 |
| Cost of funding earning assets | 1.3103% | 607 |
| Net interest margin | 3.0915% | 6,074 |
| Noninterest income to average assets | 0.7121% | 2,602 |
| Noninterest expense to average assets | 2.8098% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8083% | 3,337 |
| Return on assets (ROA) | 0.8083% | 3,576 |
| Pretax return on assets | 0.8083% | 4,383 |
| Return on Equity (ROE) | 10.8597% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.6531% | 1,364 |
| Net charge-offs to loans | 0.0545% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,035 |
| Efficiency ratio | 77.6596% | 2,544 |
| Assets per employee ($millions) | 4.2968% | 3,403 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 6,985 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,386 |
| Noncurrent loans to loans | 0.0273% | 6,702 |
| Net loans and leases to total assets | 56.5180% | 4,286 |
| Net loans and leases to deposits | 61.4698% | 4,989 |
| Net loans and leases to core deposits | 63.7873% | 5,136 |
| Total domestic deposits to total assets | 91.9444% | 269 |
| Equity capital to assets | 7.2876% | 6,852 |
| Core capital (leverage) ratio | 7.5773% | 6,581 |
| Tier 1 risk-based capital ratio | 12.9884% | 5,229 |
| Total risk-based capital ratio | 13.5968% | 5,682 |
| Memoranda: | ||
| Average total assets | $62,353,000 | 5,998 |
| Average earning assets | $58,611,500 | 5,918 |
| Average equity | $4,641,000 | 6,534 |
| Average total loans | $36,685,500 | 5,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 3,659 |
| Cost of funding earning assets | 1.4654% | 821 |
| Net interest margin | 3.3671% | 5,591 |
| Noninterest income to average assets | 0.8148% | 1,984 |
| Noninterest expense to average assets | 2.7453% | 4,579 |
| Loan and lease loss provision to assets | -0.0035% | 7,207 |
| Net operating income to assets | 1.2369% | 1,416 |
| Return on assets (ROA) | 1.2369% | 1,515 |
| Pretax return on assets | 1.2369% | 2,334 |
| Return on Equity (ROE) | 16.1743% | 576 |
| Retained earnings to average equity (ytd only) | 7.9175% | 1,108 |
| Net charge-offs to loans | 0.0841% | 5,484 |
| Credit loss provision to net charge-offs | -6.6667% | 6,606 |
| Earnings coverage of net charge-offs (x) | 23.7667% | 1,008 |
| Efficiency ratio | 69.0000% | 4,148 |
| Assets per employee ($millions) | 4.0169% | 3,816 |
| Cash dividends to net income (ytd only)* | 51.0490% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 7,000 |
| Loan loss allowance to noncurrent loans | 173.0769% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,421 |
| Noncurrent loans to loans | 0.3540% | 6,014 |
| Net loans and leases to total assets | 60.5752% | 3,877 |
| Net loans and leases to deposits | 66.1621% | 4,705 |
| Net loans and leases to core deposits | 68.8479% | 4,927 |
| Total domestic deposits to total assets | 91.5557% | 317 |
| Equity capital to assets | 7.6095% | 6,767 |
| Core capital (leverage) ratio | 7.6211% | 6,591 |
| Tier 1 risk-based capital ratio | 12.9560% | 5,100 |
| Total risk-based capital ratio | 13.5918% | 5,555 |
| Memoranda: | ||
| Average total assets | $57,807,800 | 6,116 |
| Average earning assets | $54,319,600 | 6,034 |
| Average equity | $4,420,600 | 6,623 |
| Average total loans | $35,684,000 | 5,884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 3,507 |
| Cost of funding earning assets | 1.4982% | 868 |
| Net interest margin | 3.4114% | 5,534 |
| Noninterest income to average assets | 0.8275% | 1,935 |
| Noninterest expense to average assets | 2.6738% | 4,825 |
| Loan and lease loss provision to assets | 0.0047% | 6,360 |
| Net operating income to assets | 1.3497% | 1,269 |
| Return on assets (ROA) | 1.3497% | 1,355 |
| Pretax return on assets | 1.3497% | 2,117 |
| Return on Equity (ROE) | 17.6271% | 496 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,448 |
| Net charge-offs to loans | 0.0301% | 5,723 |
| Credit loss provision to net charge-offs | 25.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 72.6007% | 464 |
| Efficiency ratio | 66.3773% | 4,644 |
| Assets per employee ($millions) | 3.9047% | 4,063 |
| Cash dividends to net income (ytd only)* | 53.7138% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 6,960 |
| Loan loss allowance to noncurrent loans | 117.2897% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 6,163 |
| Noncurrent loans to loans | 0.5973% | 5,683 |
| Net loans and leases to total assets | 60.7427% | 3,995 |
| Net loans and leases to deposits | 66.3552% | 4,850 |
| Net loans and leases to core deposits | 68.4581% | 5,123 |
| Total domestic deposits to total assets | 91.5417% | 283 |
| Equity capital to assets | 7.6882% | 6,847 |
| Core capital (leverage) ratio | 7.6829% | 6,651 |
| Tier 1 risk-based capital ratio | 13.1317% | 5,000 |
| Total risk-based capital ratio | 13.8637% | 5,376 |
| Memoranda: | ||
| Average total assets | $57,196,250 | 6,180 |
| Average earning assets | $53,662,000 | 6,109 |
| Average equity | $4,379,500 | 6,681 |
| Average total loans | $35,424,000 | 5,950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 3,364 |
| Cost of funding earning assets | 1.5238% | 926 |
| Net interest margin | 3.4342% | 5,425 |
| Noninterest income to average assets | 0.8107% | 1,968 |
| Noninterest expense to average assets | 2.7177% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3183% | 1,274 |
| Return on assets (ROA) | 1.3183% | 1,349 |
| Pretax return on assets | 1.3183% | 2,084 |
| Return on Equity (ROE) | 17.2417% | 530 |
| Retained earnings to average equity (ytd only) | 9.0357% | 1,094 |
| Net charge-offs to loans | 0.0113% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 199 |
| Efficiency ratio | 67.3362% | 4,639 |
| Assets per employee ($millions) | 3.9035% | 3,984 |
| Cash dividends to net income (ytd only)* | 47.5936% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 6,995 |
| Loan loss allowance to noncurrent loans | 110.3896% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 6,152 |
| Noncurrent loans to loans | 0.6529% | 5,615 |
| Net loans and leases to total assets | 59.9911% | 4,276 |
| Net loans and leases to deposits | 65.4152% | 5,086 |
| Net loans and leases to core deposits | 68.1793% | 5,278 |
| Total domestic deposits to total assets | 91.7082% | 298 |
| Equity capital to assets | 7.5676% | 6,918 |
| Core capital (leverage) ratio | 7.4303% | 6,791 |
| Tier 1 risk-based capital ratio | 12.9774% | 4,932 |
| Total risk-based capital ratio | 13.7242% | 5,349 |
| Memoranda: | ||
| Average total assets | $56,738,330 | 6,240 |
| Average earning assets | $53,288,000 | 6,172 |
| Average equity | $4,338,330 | 6,735 |
| Average total loans | $35,289,330 | 6,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 3,255 |
| Cost of funding earning assets | 1.5445% | 1,002 |
| Net interest margin | 3.4238% | 5,329 |
| Noninterest income to average assets | 0.7666% | 2,178 |
| Noninterest expense to average assets | 2.6795% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3111% | 1,242 |
| Return on assets (ROA) | 1.3111% | 1,288 |
| Pretax return on assets | 1.3111% | 2,011 |
| Return on Equity (ROE) | 17.0550% | 561 |
| Retained earnings to average equity (ytd only) | 10.6244% | 967 |
| Net charge-offs to loans | 0.0113% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 173 |
| Efficiency ratio | 67.1454% | 4,817 |
| Assets per employee ($millions) | 3.8960% | 4,082 |
| Cash dividends to net income (ytd only)* | 37.7049% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 7,042 |
| Loan loss allowance to noncurrent loans | 111.7904% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 6,224 |
| Noncurrent loans to loans | 0.6503% | 5,729 |
| Net loans and leases to total assets | 59.8220% | 4,304 |
| Net loans and leases to deposits | 65.1097% | 5,110 |
| Net loans and leases to core deposits | 67.8598% | 5,306 |
| Total domestic deposits to total assets | 91.8789% | 321 |
| Equity capital to assets | 7.4418% | 6,899 |
| Core capital (leverage) ratio | 7.6326% | 6,622 |
| Tier 1 risk-based capital ratio | 12.8441% | 4,949 |
| Total risk-based capital ratio | 13.6001% | 5,389 |
| Memoranda: | ||
| Average total assets | $55,831,500 | 6,313 |
| Average earning assets | $52,573,500 | 6,253 |
| Average equity | $4,292,000 | 6,780 |
| Average total loans | $35,243,500 | 6,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 2,366 |
| Cost of funding earning assets | 1.7906% | 1,207 |
| Net interest margin | 3.6869% | 4,408 |
| Noninterest income to average assets | 0.7146% | 2,760 |
| Noninterest expense to average assets | 2.9077% | 4,195 |
| Loan and lease loss provision to assets | 0.0257% | 6,867 |
| Net operating income to assets | 1.2371% | 1,326 |
| Return on assets (ROA) | 1.2371% | 1,396 |
| Pretax return on assets | 1.2371% | 2,117 |
| Return on Equity (ROE) | 15.3044% | 675 |
| Retained earnings to average equity (ytd only) | 7.9583% | 989 |
| Net charge-offs to loans | 0.0207% | 6,607 |
| Credit loss provision to net charge-offs | 185.7143% | 1,766 |
| Earnings coverage of net charge-offs (x) | 91.1429% | 266 |
| Efficiency ratio | 69.7200% | 4,235 |
| Assets per employee ($millions) | 3.3264% | 5,370 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 7,089 |
| Loan loss allowance to noncurrent loans | 917.8571% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 7,101 |
| Noncurrent loans to loans | 0.0794% | 6,934 |
| Net loans and leases to total assets | 65.7873% | 3,508 |
| Net loans and leases to deposits | 72.0868% | 4,503 |
| Net loans and leases to core deposits | 75.0649% | 4,844 |
| Total domestic deposits to total assets | 91.2613% | 481 |
| Equity capital to assets | 7.9571% | 6,536 |
| Core capital (leverage) ratio | 7.9701% | 6,245 |
| Tier 1 risk-based capital ratio | 12.9277% | 4,653 |
| Total risk-based capital ratio | 13.7123% | 5,043 |
| Memoranda: | ||
| Average total assets | $50,520,400 | 6,513 |
| Average earning assets | $47,357,400 | 6,462 |
| Average equity | $4,083,800 | 6,967 |
| Average total loans | $33,795,200 | 6,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5378% | 2,297 |
| Cost of funding earning assets | 1.8203% | 1,339 |
| Net interest margin | 3.7175% | 4,317 |
| Noninterest income to average assets | 0.6821% | 2,929 |
| Noninterest expense to average assets | 2.7445% | 4,701 |
| Loan and lease loss provision to assets | 0.0348% | 6,732 |
| Net operating income to assets | 1.3883% | 1,130 |
| Return on assets (ROA) | 1.3883% | 1,212 |
| Pretax return on assets | 1.3883% | 1,912 |
| Return on Equity (ROE) | 17.1028% | 575 |
| Retained earnings to average equity (ytd only) | 8.6337% | 1,190 |
| Net charge-offs to loans | 0.0159% | 6,457 |
| Credit loss provision to net charge-offs | 325.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 133.0807% | 242 |
| Efficiency ratio | 65.8537% | 4,894 |
| Assets per employee ($millions) | 3.1932% | 5,689 |
| Cash dividends to net income (ytd only)* | 49.5188% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 7,102 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,836 |
| Noncurrent loans to loans | 0.0376% | 7,154 |
| Net loans and leases to total assets | 67.1234% | 3,429 |
| Net loans and leases to deposits | 73.6555% | 4,572 |
| Net loans and leases to core deposits | 76.3310% | 5,016 |
| Total domestic deposits to total assets | 91.1315% | 402 |
| Equity capital to assets | 8.1658% | 6,653 |
| Core capital (leverage) ratio | 8.1735% | 6,080 |
| Tier 1 risk-based capital ratio | 12.9904% | 4,584 |
| Total risk-based capital ratio | 13.8000% | 4,918 |
| Memoranda: | ||
| Average total assets | $49,844,750 | 6,621 |
| Average earning assets | $46,732,250 | 6,570 |
| Average equity | $4,046,000 | 7,072 |
| Average total loans | $33,426,250 | 6,321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 2,356 |
| Cost of funding earning assets | 1.8248% | 1,543 |
| Net interest margin | 3.7187% | 4,274 |
| Noninterest income to average assets | 0.6393% | 3,068 |
| Noninterest expense to average assets | 2.6948% | 4,931 |
| Loan and lease loss provision to assets | 0.0162% | 6,759 |
| Net operating income to assets | 1.4162% | 1,068 |
| Return on assets (ROA) | 1.4162% | 1,133 |
| Pretax return on assets | 1.4162% | 1,795 |
| Return on Equity (ROE) | 17.4825% | 515 |
| Retained earnings to average equity (ytd only) | 8.7912% | 1,184 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2941% | 5,106 |
| Assets per employee ($millions) | 3.4103% | 5,157 |
| Cash dividends to net income (ytd only)* | 49.7143% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 7,095 |
| Loan loss allowance to noncurrent loans | 1,821.4286% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,838 |
| Noncurrent loans to loans | 0.0424% | 7,209 |
| Net loans and leases to total assets | 64.0830% | 4,247 |
| Net loans and leases to deposits | 70.1513% | 5,254 |
| Net loans and leases to core deposits | 72.6851% | 5,600 |
| Total domestic deposits to total assets | 91.3497% | 372 |
| Equity capital to assets | 7.9876% | 6,763 |
| Core capital (leverage) ratio | 8.1200% | 6,085 |
| Tier 1 risk-based capital ratio | 13.0639% | 4,388 |
| Total risk-based capital ratio | 13.8792% | 4,717 |
| Memoranda: | ||
| Average total assets | $49,429,330 | 6,671 |
| Average earning assets | $46,360,670 | 6,619 |
| Average equity | $4,004,000 | 7,123 |
| Average total loans | $33,050,330 | 6,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 2,187 |
| Cost of funding earning assets | 1.8460% | 1,675 |
| Net interest margin | 3.7446% | 4,033 |
| Noninterest income to average assets | 0.5848% | 3,375 |
| Noninterest expense to average assets | 2.5779% | 5,441 |
| Loan and lease loss provision to assets | 0.0577% | 6,081 |
| Net operating income to assets | 1.4578% | 969 |
| Return on assets (ROA) | 1.4578% | 1,042 |
| Pretax return on assets | 1.4578% | 1,621 |
| Return on Equity (ROE) | 17.8653% | 528 |
| Retained earnings to average equity (ytd only) | 10.6990% | 988 |
| Net charge-offs to loans | 0.0121% | 5,414 |
| Credit loss provision to net charge-offs | 700.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 188 |
| Efficiency ratio | 62.9779% | 5,667 |
| Assets per employee ($millions) | 3.3187% | 5,501 |
| Cash dividends to net income (ytd only)* | 40.1130% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 7,182 |
| Loan loss allowance to noncurrent loans | 1,427.7778% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 7,406 |
| Noncurrent loans to loans | 0.0543% | 7,267 |
| Net loans and leases to total assets | 66.0172% | 3,844 |
| Net loans and leases to deposits | 72.3064% | 5,007 |
| Net loans and leases to core deposits | 74.9857% | 5,386 |
| Total domestic deposits to total assets | 91.3019% | 440 |
| Equity capital to assets | 8.0673% | 6,583 |
| Core capital (leverage) ratio | 8.1459% | 5,999 |
| Tier 1 risk-based capital ratio | 12.9261% | 4,391 |
| Total risk-based capital ratio | 13.7533% | 4,698 |
| Memoranda: | ||
| Average total assets | $48,567,000 | 6,783 |
| Average earning assets | $45,505,000 | 6,727 |
| Average equity | $3,963,000 | 7,203 |
| Average total loans | $33,057,500 | 6,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 2,720 |
| Cost of funding earning assets | 2.0295% | 2,828 |
| Net interest margin | 3.7555% | 3,887 |
| Noninterest income to average assets | 0.6810% | 3,079 |
| Noninterest expense to average assets | 2.9264% | 4,438 |
| Loan and lease loss provision to assets | 0.0868% | 6,745 |
| Net operating income to assets | 1.1928% | 1,260 |
| Return on assets (ROA) | 1.1928% | 1,312 |
| Pretax return on assets | 1.1928% | 1,973 |
| Return on Equity (ROE) | 14.1724% | 756 |
| Retained earnings to average equity (ytd only) | 6.5045% | 1,146 |
| Net charge-offs to loans | 0.0095% | 7,097 |
| Credit loss provision to net charge-offs | 1,300.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 191.6667% | 145 |
| Efficiency ratio | 69.5767% | 4,719 |
| Assets per employee ($millions) | 3.1569% | 5,837 |
| Cash dividends to net income (ytd only)* | 54.1045% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 7,227 |
| Loan loss allowance to noncurrent loans | 1,394.4444% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 7,420 |
| Noncurrent loans to loans | 0.0546% | 7,286 |
| Net loans and leases to total assets | 69.1466% | 3,449 |
| Net loans and leases to deposits | 75.9963% | 4,744 |
| Net loans and leases to core deposits | 91.9644% | 4,891 |
| Total domestic deposits to total assets | 90.9868% | 539 |
| Equity capital to assets | 8.2571% | 6,266 |
| Core capital (leverage) ratio | 8.2427% | 5,742 |
| Tier 1 risk-based capital ratio | 12.8750% | 4,224 |
| Total risk-based capital ratio | 13.7015% | 4,511 |
| Memoranda: | ||
| Average total assets | $44,936,200 | 6,916 |
| Average earning assets | $42,178,600 | 6,854 |
| Average equity | $3,782,000 | 7,356 |
| Average total loans | $31,452,400 | 6,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 2,867 |
| Cost of funding earning assets | 2.0557% | 3,091 |
| Net interest margin | 3.7496% | 3,865 |
| Noninterest income to average assets | 0.6978% | 3,029 |
| Noninterest expense to average assets | 2.8451% | 4,695 |
| Loan and lease loss provision to assets | 0.1203% | 6,162 |
| Net operating income to assets | 1.2542% | 1,334 |
| Return on assets (ROA) | 1.2542% | 1,399 |
| Pretax return on assets | 1.2542% | 2,095 |
| Return on Equity (ROE) | 14.8264% | 795 |
| Retained earnings to average equity (ytd only) | 6.3997% | 1,767 |
| Net charge-offs to loans | 0.0043% | 6,919 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 458.1353% | 75 |
| Efficiency ratio | 67.4269% | 5,088 |
| Assets per employee ($millions) | 3.0835% | 5,947 |
| Cash dividends to net income (ytd only)* | 56.8338% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 7,190 |
| Loan loss allowance to noncurrent loans | 2,540.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 6,603 |
| Noncurrent loans to loans | 0.0306% | 7,441 |
| Net loans and leases to total assets | 70.1764% | 3,463 |
| Net loans and leases to deposits | 77.0882% | 4,884 |
| Net loans and leases to core deposits | 92.5098% | 5,183 |
| Total domestic deposits to total assets | 91.0339% | 408 |
| Equity capital to assets | 8.3110% | 6,493 |
| Core capital (leverage) ratio | 8.2424% | 5,939 |
| Tier 1 risk-based capital ratio | 12.6522% | 4,436 |
| Total risk-based capital ratio | 13.4882% | 4,701 |
| Memoranda: | ||
| Average total assets | $44,332,000 | 6,988 |
| Average earning assets | $41,639,250 | 6,929 |
| Average equity | $3,750,000 | 7,433 |
| Average total loans | $31,067,000 | 6,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 3,279 |
| Cost of funding earning assets | 2.0591% | 3,480 |
| Net interest margin | 3.6937% | 3,973 |
| Noninterest income to average assets | 0.7095% | 2,933 |
| Noninterest expense to average assets | 2.7648% | 5,115 |
| Loan and lease loss provision to assets | 0.1373% | 5,704 |
| Net operating income to assets | 1.2725% | 1,296 |
| Return on assets (ROA) | 1.2725% | 1,378 |
| Pretax return on assets | 1.2725% | 2,102 |
| Return on Equity (ROE) | 14.9516% | 836 |
| Retained earnings to average equity (ytd only) | 5.3783% | 2,302 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2281% | 5,511 |
| Assets per employee ($millions) | 3.2969% | 5,328 |
| Cash dividends to net income (ytd only)* | 64.0288% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 7,260 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 6,617 |
| Noncurrent loans to loans | 0.0063% | 7,555 |
| Net loans and leases to total assets | 68.6375% | 4,039 |
| Net loans and leases to deposits | 75.2643% | 5,282 |
| Net loans and leases to core deposits | 87.1938% | 5,795 |
| Total domestic deposits to total assets | 91.1953% | 406 |
| Equity capital to assets | 8.1548% | 6,553 |
| Core capital (leverage) ratio | 8.3437% | 5,724 |
| Tier 1 risk-based capital ratio | 12.5735% | 4,461 |
| Total risk-based capital ratio | 13.3919% | 4,718 |
| Memoranda: | ||
| Average total assets | $43,692,000 | 7,067 |
| Average earning assets | $40,988,670 | 7,015 |
| Average equity | $3,718,670 | 7,506 |
| Average total loans | $30,518,670 | 6,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 3,376 |
| Cost of funding earning assets | 2.1057% | 3,624 |
| Net interest margin | 3.6800% | 3,980 |
| Noninterest income to average assets | 0.6406% | 3,264 |
| Noninterest expense to average assets | 2.7509% | 4,777 |
| Loan and lease loss provision to assets | 0.1602% | 4,887 |
| Net operating income to assets | 1.1870% | 1,692 |
| Return on assets (ROA) | 1.1870% | 1,801 |
| Pretax return on assets | 1.1870% | 2,668 |
| Return on Equity (ROE) | 13.6364% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.9264% | 2,239 |
| Net charge-offs to loans | 0.0134% | 5,414 |
| Credit loss provision to net charge-offs | 1,700.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 308 |
| Efficiency ratio | 67.1264% | 5,115 |
| Assets per employee ($millions) | 3.0937% | 5,909 |
| Cash dividends to net income (ytd only)* | 49.2063% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 7,316 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 6,439 |
| Noncurrent loans to loans | 0.0065% | 7,556 |
| Net loans and leases to total assets | 70.8303% | 3,510 |
| Net loans and leases to deposits | 78.0075% | 4,921 |
| Net loans and leases to core deposits | 89.6729% | 5,588 |
| Total domestic deposits to total assets | 90.7993% | 480 |
| Equity capital to assets | 8.6073% | 5,906 |
| Core capital (leverage) ratio | 8.8212% | 4,945 |
| Tier 1 risk-based capital ratio | 13.0592% | 4,156 |
| Total risk-based capital ratio | 13.8684% | 4,376 |
| Memoranda: | ||
| Average total assets | $42,459,500 | 7,147 |
| Average earning assets | $39,891,000 | 7,100 |
| Average equity | $3,696,000 | 7,557 |
| Average total loans | $29,815,000 | 6,780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 5,098 |
| Cost of funding earning assets | 2.6525% | 3,410 |
| Net interest margin | 3.4379% | 5,516 |
| Noninterest income to average assets | 0.6058% | 3,803 |
| Noninterest expense to average assets | 3.0924% | 3,724 |
| Loan and lease loss provision to assets | 0.0171% | 7,171 |
| Net operating income to assets | 0.7572% | 3,627 |
| Return on assets (ROA) | 0.7572% | 3,471 |
| Pretax return on assets | 0.7572% | 4,221 |
| Return on Equity (ROE) | 8.6240% | 2,784 |
| Retained earnings to average equity (ytd only) | 4.1451% | 2,547 |
| Net charge-offs to loans | -0.0106% | 7,861 |
| Credit loss provision to net charge-offs | -233.3333% | 7,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9747% | 2,602 |
| Assets per employee ($millions) | 2.9719% | 6,120 |
| Cash dividends to net income (ytd only)* | 51.9355% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,290 |
| Loan loss allowance to noncurrent loans | 467.3913% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 5,786 |
| Noncurrent loans to loans | 0.1602% | 6,929 |
| Net loans and leases to total assets | 68.5125% | 4,362 |
| Net loans and leases to deposits | 75.7333% | 5,620 |
| Net loans and leases to core deposits | 88.3989% | 5,934 |
| Total domestic deposits to total assets | 90.4655% | 507 |
| Equity capital to assets | 8.8062% | 5,644 |
| Core capital (leverage) ratio | 8.8496% | 4,971 |
| Tier 1 risk-based capital ratio | 13.6340% | 3,735 |
| Total risk-based capital ratio | 14.4340% | 3,920 |
| Memoranda: | ||
| Average total assets | $40,939,000 | 7,174 |
| Average earning assets | $38,831,600 | 7,096 |
| Average equity | $3,594,600 | 7,649 |
| Average total loans | $28,319,600 | 6,818 |