Home > State Bank & Trust Co. > Performance and Condition Ratios
State Bank & Trust Co., 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 | 3.9248% | 5,850 |
| Cost of funding earning assets | 0.2813% | 6,795 |
| Net interest margin | 3.6436% | 4,067 |
| Noninterest income to average assets | 0.5470% | 3,598 |
| Noninterest expense to average assets | 3.0893% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8543% | 3,115 |
| Return on assets (ROA) | 0.8543% | 3,390 |
| Pretax return on assets | 0.8543% | 4,262 |
| Return on Equity (ROE) | 8.5876% | 2,985 |
| Retained earnings to average equity (ytd only) | -2.7390% | 6,440 |
| Net charge-offs to loans | -0.0158% | 6,383 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3377% | 2,415 |
| Assets per employee ($millions) | 4.0468% | 3,777 |
| Cash dividends to net income (ytd only)* | 131.8945% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 2,015 |
| Loan loss allowance to noncurrent loans | 76.2968% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 3,569 |
| Noncurrent loans to loans | 2.7443% | 2,189 |
| Net loans and leases to total assets | 50.9853% | 5,225 |
| Net loans and leases to deposits | 56.9996% | 5,551 |
| Net loans and leases to core deposits | 60.0871% | 5,578 |
| Total domestic deposits to total assets | 89.4485% | 1,243 |
| Equity capital to assets | 9.9687% | 4,381 |
| Core capital (leverage) ratio | 9.8140% | 3,699 |
| Tier 1 risk-based capital ratio | 16.0459% | 3,142 |
| Total risk-based capital ratio | 17.3035% | 3,104 |
| Memoranda: | ||
| Average total assets | $97,628,000 | 4,966 |
| Average earning assets | $91,010,000 | 4,898 |
| Average equity | $9,711,670 | 5,104 |
| Average total loans | $50,515,330 | 5,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 5,836 |
| Cost of funding earning assets | 0.2895% | 6,872 |
| Net interest margin | 3.6887% | 3,881 |
| Noninterest income to average assets | 0.4740% | 4,114 |
| Noninterest expense to average assets | 2.9955% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9154% | 2,847 |
| Return on assets (ROA) | 0.9154% | 3,064 |
| Pretax return on assets | 0.9154% | 3,981 |
| Return on Equity (ROE) | 9.2119% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.0995% | 3,495 |
| Net charge-offs to loans | -0.0158% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5935% | 2,697 |
| Assets per employee ($millions) | 3.6778% | 4,706 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 2,122 |
| Loan loss allowance to noncurrent loans | 85.3107% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 3,972 |
| Noncurrent loans to loans | 2.4521% | 2,661 |
| Net loans and leases to total assets | 51.7360% | 5,056 |
| Net loans and leases to deposits | 58.0385% | 5,374 |
| Net loans and leases to core deposits | 60.9404% | 5,438 |
| Total domestic deposits to total assets | 89.1408% | 1,611 |
| Equity capital to assets | 10.2694% | 3,768 |
| Core capital (leverage) ratio | 10.0191% | 3,346 |
| Tier 1 risk-based capital ratio | 16.7582% | 2,778 |
| Total risk-based capital ratio | 18.0170% | 2,733 |
| Memoranda: | ||
| Average total assets | $97,880,000 | 4,987 |
| Average earning assets | $91,198,500 | 4,929 |
| Average equity | $9,726,500 | 5,112 |
| Average total loans | $50,484,000 | 5,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 5,033 |
| Cost of funding earning assets | 0.4056% | 6,872 |
| Net interest margin | 4.1042% | 2,409 |
| Noninterest income to average assets | 0.5421% | 3,567 |
| Noninterest expense to average assets | 3.3334% | 2,410 |
| Loan and lease loss provision to assets | 0.0316% | 6,170 |
| Net operating income to assets | 0.9578% | 2,375 |
| Return on assets (ROA) | 0.9578% | 2,507 |
| Pretax return on assets | 0.9578% | 3,404 |
| Return on Equity (ROE) | 9.8701% | 2,103 |
| Retained earnings to average equity (ytd only) | 6.5945% | 1,695 |
| Net charge-offs to loans | -0.0312% | 7,006 |
| Credit loss provision to net charge-offs | -176.4706% | 6,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1122% | 2,725 |
| Assets per employee ($millions) | 3.8514% | 4,200 |
| Cash dividends to net income (ytd only)* | 33.1868% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 2,027 |
| Loan loss allowance to noncurrent loans | 87.4793% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 4,228 |
| Noncurrent loans to loans | 2.3910% | 2,733 |
| Net loans and leases to total assets | 49.3169% | 5,682 |
| Net loans and leases to deposits | 54.9297% | 5,985 |
| Net loans and leases to core deposits | 57.6923% | 6,021 |
| Total domestic deposits to total assets | 89.7819% | 1,111 |
| Equity capital to assets | 9.6199% | 4,717 |
| Core capital (leverage) ratio | 9.6049% | 3,860 |
| Tier 1 risk-based capital ratio | 16.6849% | 2,740 |
| Total risk-based capital ratio | 17.9441% | 2,698 |
| Memoranda: | ||
| Average total assets | $95,009,000 | 5,044 |
| Average earning assets | $87,519,600 | 5,006 |
| Average equity | $9,219,800 | 5,223 |
| Average total loans | $54,523,600 | 5,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 4,392 |
| Cost of funding earning assets | 0.4328% | 6,931 |
| Net interest margin | 4.2803% | 1,790 |
| Noninterest income to average assets | 0.5263% | 3,681 |
| Noninterest expense to average assets | 3.3856% | 2,232 |
| Loan and lease loss provision to assets | 0.0427% | 5,904 |
| Net operating income to assets | 1.0228% | 2,239 |
| Return on assets (ROA) | 1.0228% | 2,403 |
| Pretax return on assets | 1.0228% | 3,316 |
| Return on Equity (ROE) | 10.5154% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,501 |
| Net charge-offs to loans | -0.0672% | 7,105 |
| Credit loss provision to net charge-offs | -107.1429% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0626% | 2,828 |
| Assets per employee ($millions) | 3.6573% | 4,624 |
| Cash dividends to net income (ytd only)* | 42.0033% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 2,380 |
| Loan loss allowance to noncurrent loans | 3,948.1481% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,990 |
| Noncurrent loans to loans | 0.0502% | 6,808 |
| Net loans and leases to total assets | 55.4028% | 4,936 |
| Net loans and leases to deposits | 61.9949% | 5,400 |
| Net loans and leases to core deposits | 64.8953% | 5,533 |
| Total domestic deposits to total assets | 89.3668% | 1,214 |
| Equity capital to assets | 10.0033% | 4,337 |
| Core capital (leverage) ratio | 10.0000% | 3,445 |
| Tier 1 risk-based capital ratio | 15.5526% | 3,355 |
| Total risk-based capital ratio | 16.8106% | 3,313 |
| Memoranda: | ||
| Average total assets | $93,727,250 | 5,110 |
| Average earning assets | $85,941,250 | 5,091 |
| Average equity | $9,116,500 | 5,277 |
| Average total loans | $55,544,750 | 5,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 4,477 |
| Cost of funding earning assets | 0.4690% | 6,954 |
| Net interest margin | 4.2446% | 1,864 |
| Noninterest income to average assets | 0.5189% | 3,713 |
| Noninterest expense to average assets | 3.3965% | 2,271 |
| Loan and lease loss provision to assets | 0.0643% | 5,500 |
| Net operating income to assets | 0.9392% | 2,485 |
| Return on assets (ROA) | 0.9392% | 2,578 |
| Pretax return on assets | 0.9392% | 3,477 |
| Return on Equity (ROE) | 9.7499% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.2534% | 2,839 |
| Net charge-offs to loans | -0.0926% | 7,148 |
| Credit loss provision to net charge-offs | -115.3846% | 6,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1930% | 2,827 |
| Assets per employee ($millions) | 3.5803% | 4,730 |
| Cash dividends to net income (ytd only)* | 46.1187% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 2,698 |
| Loan loss allowance to noncurrent loans | 1,803.3898% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 6,941 |
| Noncurrent loans to loans | 0.1048% | 6,710 |
| Net loans and leases to total assets | 59.3219% | 4,410 |
| Net loans and leases to deposits | 66.3985% | 4,940 |
| Net loans and leases to core deposits | 69.9168% | 5,084 |
| Total domestic deposits to total assets | 89.3422% | 1,337 |
| Equity capital to assets | 9.9745% | 4,188 |
| Core capital (leverage) ratio | 9.7633% | 3,572 |
| Tier 1 risk-based capital ratio | 14.5468% | 3,756 |
| Total risk-based capital ratio | 15.7984% | 3,730 |
| Memoranda: | ||
| Average total assets | $93,273,330 | 5,158 |
| Average earning assets | $85,285,330 | 5,145 |
| Average equity | $8,984,670 | 5,331 |
| Average total loans | $56,143,670 | 5,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 4,829 |
| Cost of funding earning assets | 0.4991% | 6,972 |
| Net interest margin | 4.1296% | 2,157 |
| Noninterest income to average assets | 0.4884% | 3,982 |
| Noninterest expense to average assets | 3.4016% | 2,277 |
| Loan and lease loss provision to assets | 0.1285% | 4,388 |
| Net operating income to assets | 0.7155% | 3,448 |
| Return on assets (ROA) | 0.7155% | 3,511 |
| Pretax return on assets | 0.7155% | 4,242 |
| Return on Equity (ROE) | 7.5613% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.5808% | 4,615 |
| Net charge-offs to loans | -0.0428% | 6,835 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1211% | 2,506 |
| Assets per employee ($millions) | 3.5768% | 4,808 |
| Cash dividends to net income (ytd only)* | 65.8683% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,757 |
| Loan loss allowance to noncurrent loans | 116.3880% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 4,974 |
| Noncurrent loans to loans | 1.6156% | 4,054 |
| Net loans and leases to total assets | 58.5799% | 4,534 |
| Net loans and leases to deposits | 65.5828% | 5,033 |
| Net loans and leases to core deposits | 68.3912% | 5,242 |
| Total domestic deposits to total assets | 89.3221% | 1,579 |
| Equity capital to assets | 9.5488% | 4,371 |
| Core capital (leverage) ratio | 9.6239% | 3,629 |
| Tier 1 risk-based capital ratio | 14.4920% | 3,743 |
| Total risk-based capital ratio | 15.7508% | 3,700 |
| Memoranda: | ||
| Average total assets | $93,366,500 | 5,192 |
| Average earning assets | $84,947,500 | 5,186 |
| Average equity | $8,834,500 | 5,378 |
| Average total loans | $56,073,000 | 5,172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 2,704 |
| Cost of funding earning assets | 0.7240% | 6,809 |
| Net interest margin | 4.6685% | 872 |
| Noninterest income to average assets | 0.6614% | 3,070 |
| Noninterest expense to average assets | 3.8307% | 1,429 |
| Loan and lease loss provision to assets | 0.2460% | 4,828 |
| Net operating income to assets | 0.8637% | 2,539 |
| Return on assets (ROA) | 1.0681% | 1,902 |
| Pretax return on assets | 1.0681% | 2,706 |
| Return on Equity (ROE) | 10.9983% | 1,588 |
| Retained earnings to average equity (ytd only) | 5.9325% | 1,851 |
| Net charge-offs to loans | 0.0885% | 5,958 |
| Credit loss provision to net charge-offs | 394.7368% | 625 |
| Earnings coverage of net charge-offs (x) | 17.8070% | 1,130 |
| Efficiency ratio | 77.5393% | 2,782 |
| Assets per employee ($millions) | 3.4717% | 4,999 |
| Cash dividends to net income (ytd only)* | 46.0594% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,923 |
| Loan loss allowance to noncurrent loans | 143.3855% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 5,061 |
| Noncurrent loans to loans | 1.2415% | 4,644 |
| Net loans and leases to total assets | 59.3330% | 4,784 |
| Net loans and leases to deposits | 66.3149% | 5,360 |
| Net loans and leases to core deposits | 69.8794% | 5,452 |
| Total domestic deposits to total assets | 89.4716% | 1,399 |
| Equity capital to assets | 9.3762% | 4,575 |
| Core capital (leverage) ratio | 9.6230% | 3,520 |
| Tier 1 risk-based capital ratio | 14.2721% | 3,695 |
| Total risk-based capital ratio | 15.5278% | 3,648 |
| Memoranda: | ||
| Average total assets | $91,471,000 | 5,243 |
| Average earning assets | $83,837,600 | 5,218 |
| Average equity | $8,883,200 | 5,453 |
| Average total loans | $64,410,600 | 4,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 2,132 |
| Cost of funding earning assets | 0.7670% | 6,853 |
| Net interest margin | 4.8149% | 657 |
| Noninterest income to average assets | 0.5691% | 3,655 |
| Noninterest expense to average assets | 3.7416% | 1,491 |
| Loan and lease loss provision to assets | 0.2567% | 4,526 |
| Net operating income to assets | 1.0179% | 2,176 |
| Return on assets (ROA) | 1.2922% | 1,433 |
| Pretax return on assets | 1.2922% | 2,197 |
| Return on Equity (ROE) | 13.1882% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.6973% | 1,162 |
| Net charge-offs to loans | 0.1206% | 5,343 |
| Credit loss provision to net charge-offs | 291.6667% | 1,099 |
| Earnings coverage of net charge-offs (x) | 14.4830% | 1,513 |
| Efficiency ratio | 74.5906% | 3,216 |
| Assets per employee ($millions) | 3.2772% | 5,524 |
| Cash dividends to net income (ytd only)* | 34.0521% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 3,767 |
| Loan loss allowance to noncurrent loans | 109.3929% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 4,418 |
| Noncurrent loans to loans | 1.4089% | 4,502 |
| Net loans and leases to total assets | 68.9492% | 3,002 |
| Net loans and leases to deposits | 77.6641% | 3,891 |
| Net loans and leases to core deposits | 82.1261% | 4,230 |
| Total domestic deposits to total assets | 88.7788% | 1,522 |
| Equity capital to assets | 10.3476% | 3,704 |
| Core capital (leverage) ratio | 10.0897% | 3,162 |
| Tier 1 risk-based capital ratio | 13.8633% | 3,943 |
| Total risk-based capital ratio | 15.1177% | 3,911 |
| Memoranda: | ||
| Average total assets | $90,904,500 | 5,327 |
| Average earning assets | $83,959,500 | 5,270 |
| Average equity | $8,906,750 | 5,521 |
| Average total loans | $66,357,000 | 4,887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 1,827 |
| Cost of funding earning assets | 0.8270% | 6,829 |
| Net interest margin | 4.8557% | 595 |
| Noninterest income to average assets | 0.5517% | 3,696 |
| Noninterest expense to average assets | 3.7400% | 1,475 |
| Loan and lease loss provision to assets | 0.2508% | 4,415 |
| Net operating income to assets | 1.0424% | 2,038 |
| Return on assets (ROA) | 1.0424% | 2,113 |
| Pretax return on assets | 1.0424% | 2,966 |
| Return on Equity (ROE) | 10.8345% | 1,798 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,515 |
| Net charge-offs to loans | 0.1917% | 4,462 |
| Credit loss provision to net charge-offs | 176.9231% | 2,214 |
| Earnings coverage of net charge-offs (x) | 9.1231% | 2,052 |
| Efficiency ratio | 74.3068% | 3,412 |
| Assets per employee ($millions) | 3.1680% | 5,744 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,773 |
| Loan loss allowance to noncurrent loans | 1,816.3265% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 6,342 |
| Noncurrent loans to loans | 0.0732% | 7,126 |
| Net loans and leases to total assets | 74.4713% | 1,814 |
| Net loans and leases to deposits | 84.1709% | 2,845 |
| Net loans and leases to core deposits | 88.5414% | 3,480 |
| Total domestic deposits to total assets | 88.4763% | 1,746 |
| Equity capital to assets | 10.1698% | 3,810 |
| Core capital (leverage) ratio | 9.3110% | 4,096 |
| Tier 1 risk-based capital ratio | 12.1901% | 5,140 |
| Total risk-based capital ratio | 13.4412% | 5,110 |
| Memoranda: | ||
| Average total assets | $91,711,330 | 5,331 |
| Average earning assets | $84,643,000 | 5,275 |
| Average equity | $8,823,670 | 5,552 |
| Average total loans | $67,821,330 | 4,870 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 2,523 |
| Cost of funding earning assets | 0.8120% | 7,053 |
| Net interest margin | 4.7013% | 779 |
| Noninterest income to average assets | 0.5579% | 3,586 |
| Noninterest expense to average assets | 3.7333% | 1,450 |
| Loan and lease loss provision to assets | 0.0901% | 5,734 |
| Net operating income to assets | 1.1071% | 1,809 |
| Return on assets (ROA) | 1.1071% | 1,892 |
| Pretax return on assets | 1.1071% | 2,708 |
| Return on Equity (ROE) | 11.8281% | 1,539 |
| Retained earnings to average equity (ytd only) | 2.6590% | 4,555 |
| Net charge-offs to loans | -0.0176% | 7,040 |
| Credit loss provision to net charge-offs | -700.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7180% | 3,269 |
| Assets per employee ($millions) | 3.2250% | 5,712 |
| Cash dividends to net income (ytd only)* | 77.5194% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,068 |
| Loan loss allowance to noncurrent loans | 3,456.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 6,179 |
| Noncurrent loans to loans | 0.0369% | 7,319 |
| Net loans and leases to total assets | 74.1016% | 1,950 |
| Net loans and leases to deposits | 82.8890% | 3,126 |
| Net loans and leases to core deposits | 90.2084% | 3,339 |
| Total domestic deposits to total assets | 89.3986% | 1,299 |
| Equity capital to assets | 9.6900% | 4,240 |
| Core capital (leverage) ratio | 9.0919% | 4,390 |
| Tier 1 risk-based capital ratio | 11.9597% | 5,240 |
| Total risk-based capital ratio | 13.1919% | 5,219 |
| Memoranda: | ||
| Average total assets | $93,215,000 | 5,346 |
| Average earning assets | $86,699,000 | 5,282 |
| Average equity | $8,725,000 | 5,619 |
| Average total loans | $68,257,500 | 4,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 2,867 |
| Cost of funding earning assets | 0.9825% | 7,241 |
| Net interest margin | 4.7667% | 745 |
| Noninterest income to average assets | 0.6038% | 3,600 |
| Noninterest expense to average assets | 3.7306% | 1,840 |
| Loan and lease loss provision to assets | 0.2774% | 5,196 |
| Net operating income to assets | 0.9537% | 1,994 |
| Return on assets (ROA) | 0.9612% | 2,027 |
| Pretax return on assets | 0.9612% | 2,723 |
| Return on Equity (ROE) | 10.4953% | 1,554 |
| Retained earnings to average equity (ytd only) | 1.1765% | 4,219 |
| Net charge-offs to loans | 0.1601% | 5,674 |
| Credit loss provision to net charge-offs | 236.3636% | 1,534 |
| Earnings coverage of net charge-offs (x) | 10.4909% | 1,680 |
| Efficiency ratio | 75.1881% | 3,672 |
| Assets per employee ($millions) | 3.4333% | 5,172 |
| Cash dividends to net income (ytd only)* | 88.7902% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,229 |
| Loan loss allowance to noncurrent loans | 91.2052% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 3,370 |
| Noncurrent loans to loans | 1.3399% | 4,683 |
| Net loans and leases to total assets | 70.6307% | 3,096 |
| Net loans and leases to deposits | 78.4377% | 4,288 |
| Net loans and leases to core deposits | 96.9999% | 4,349 |
| Total domestic deposits to total assets | 90.0469% | 936 |
| Equity capital to assets | 9.0502% | 5,062 |
| Core capital (leverage) ratio | 8.7151% | 4,900 |
| Tier 1 risk-based capital ratio | 11.6038% | 5,292 |
| Total risk-based capital ratio | 12.7743% | 5,330 |
| Memoranda: | ||
| Average total assets | $93,739,200 | 5,275 |
| Average earning assets | $85,699,600 | 5,274 |
| Average equity | $8,584,800 | 5,735 |
| Average total loans | $68,685,800 | 4,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 2,870 |
| Cost of funding earning assets | 0.9908% | 7,408 |
| Net interest margin | 4.8141% | 667 |
| Noninterest income to average assets | 0.5898% | 3,782 |
| Noninterest expense to average assets | 3.8464% | 1,514 |
| Loan and lease loss provision to assets | 0.1288% | 6,063 |
| Net operating income to assets | 0.9963% | 2,076 |
| Return on assets (ROA) | 1.0063% | 2,095 |
| Pretax return on assets | 1.0063% | 2,884 |
| Return on Equity (ROE) | 10.9550% | 1,634 |
| Retained earnings to average equity (ytd only) | 1.6051% | 4,416 |
| Net charge-offs to loans | -0.0408% | 7,838 |
| Credit loss provision to net charge-offs | -428.5714% | 7,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3683% | 3,265 |
| Assets per employee ($millions) | 3.0741% | 5,975 |
| Cash dividends to net income (ytd only)* | 85.3485% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,407 |
| Loan loss allowance to noncurrent loans | 29.1061% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 3.4764% | 1,917 |
| Noncurrent loans to loans | 3.9550% | 1,860 |
| Net loans and leases to total assets | 74.5812% | 2,349 |
| Net loans and leases to deposits | 83.3386% | 3,766 |
| Net loans and leases to core deposits | 103.3384% | 4,017 |
| Total domestic deposits to total assets | 89.4918% | 968 |
| Equity capital to assets | 9.3968% | 4,887 |
| Core capital (leverage) ratio | 9.0083% | 4,634 |
| Tier 1 risk-based capital ratio | 11.4842% | 5,443 |
| Total risk-based capital ratio | 12.5886% | 5,541 |
| Memoranda: | ||
| Average total assets | $93,141,250 | 5,325 |
| Average earning assets | $84,776,000 | 5,348 |
| Average equity | $8,556,000 | 5,800 |
| Average total loans | $68,672,750 | 4,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 3,285 |
| Cost of funding earning assets | 0.9867% | 7,570 |
| Net interest margin | 4.7651% | 708 |
| Noninterest income to average assets | 0.5522% | 4,021 |
| Noninterest expense to average assets | 3.8075% | 1,646 |
| Loan and lease loss provision to assets | 0.1284% | 5,816 |
| Net operating income to assets | 0.9781% | 2,185 |
| Return on assets (ROA) | 0.9931% | 2,231 |
| Pretax return on assets | 0.9931% | 3,042 |
| Return on Equity (ROE) | 10.8929% | 1,732 |
| Retained earnings to average equity (ytd only) | 1.5025% | 4,490 |
| Net charge-offs to loans | -0.0702% | 7,898 |
| Credit loss provision to net charge-offs | -250.0000% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4826% | 3,421 |
| Assets per employee ($millions) | 3.0416% | 6,022 |
| Cash dividends to net income (ytd only)* | 86.2069% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,390 |
| Loan loss allowance to noncurrent loans | 90.6323% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 4,188 |
| Noncurrent loans to loans | 1.2464% | 4,717 |
| Net loans and leases to total assets | 71.8425% | 3,263 |
| Net loans and leases to deposits | 81.4107% | 4,317 |
| Net loans and leases to core deposits | 97.3696% | 4,745 |
| Total domestic deposits to total assets | 88.2470% | 1,650 |
| Equity capital to assets | 9.0952% | 5,165 |
| Core capital (leverage) ratio | 9.0712% | 4,513 |
| Tier 1 risk-based capital ratio | 11.3894% | 5,506 |
| Total risk-based capital ratio | 12.4528% | 5,599 |
| Memoranda: | ||
| Average total assets | $93,447,330 | 5,362 |
| Average earning assets | $85,539,000 | 5,357 |
| Average equity | $8,519,330 | 5,839 |
| Average total loans | $68,369,670 | 5,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 2,918 |
| Cost of funding earning assets | 1.0010% | 7,671 |
| Net interest margin | 4.8732% | 530 |
| Noninterest income to average assets | 0.5117% | 4,214 |
| Noninterest expense to average assets | 3.8398% | 1,400 |
| Loan and lease loss provision to assets | 0.1290% | 5,304 |
| Net operating income to assets | 1.0019% | 2,305 |
| Return on assets (ROA) | 1.0320% | 2,323 |
| Pretax return on assets | 1.0320% | 3,242 |
| Return on Equity (ROE) | 11.3061% | 1,881 |
| Retained earnings to average equity (ytd only) | 1.8843% | 4,806 |
| Net charge-offs to loans | -0.0996% | 7,876 |
| Credit loss provision to net charge-offs | -176.4706% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2491% | 3,294 |
| Assets per employee ($millions) | 2.9444% | 6,303 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 5,793 |
| Loan loss allowance to noncurrent loans | 87.1158% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 3,803 |
| Noncurrent loans to loans | 1.2096% | 4,549 |
| Net loans and leases to total assets | 75.8143% | 2,313 |
| Net loans and leases to deposits | 89.4972% | 3,010 |
| Net loans and leases to core deposits | 110.8688% | 3,325 |
| Total domestic deposits to total assets | 84.7114% | 3,355 |
| Equity capital to assets | 9.3233% | 4,904 |
| Core capital (leverage) ratio | 9.0128% | 4,692 |
| Tier 1 risk-based capital ratio | 11.4845% | 5,429 |
| Total risk-based capital ratio | 12.5085% | 5,547 |
| Memoranda: | ||
| Average total assets | $93,025,500 | 5,398 |
| Average earning assets | $85,118,000 | 5,392 |
| Average equity | $8,491,000 | 5,884 |
| Average total loans | $68,297,000 | 5,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3186% | 3,865 |
| Cost of funding earning assets | 1.3640% | 7,786 |
| Net interest margin | 4.9546% | 562 |
| Noninterest income to average assets | 0.5476% | 4,248 |
| Noninterest expense to average assets | 3.8322% | 1,695 |
| Loan and lease loss provision to assets | 0.0717% | 6,497 |
| Net operating income to assets | 1.1591% | 1,914 |
| Return on assets (ROA) | 1.1882% | 1,738 |
| Pretax return on assets | 1.1882% | 2,685 |
| Return on Equity (ROE) | 12.7133% | 1,403 |
| Retained earnings to average equity (ytd only) | 1.3300% | 4,418 |
| Net charge-offs to loans | 0.2748% | 3,569 |
| Credit loss provision to net charge-offs | 35.3591% | 6,489 |
| Earnings coverage of net charge-offs (x) | 6.0718% | 3,446 |
| Efficiency ratio | 75.6912% | 3,285 |
| Assets per employee ($millions) | 3.0572% | 5,911 |
| Cash dividends to net income (ytd only)* | 89.5382% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 5,745 |
| Loan loss allowance to noncurrent loans | 81.9477% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 3,464 |
| Noncurrent loans to loans | 1.2632% | 3,980 |
| Net loans and leases to total assets | 69.6035% | 4,117 |
| Net loans and leases to deposits | 77.2427% | 5,441 |
| Net loans and leases to core deposits | 92.5813% | 5,582 |
| Total domestic deposits to total assets | 90.1102% | 603 |
| Equity capital to assets | 8.9392% | 5,447 |
| Core capital (leverage) ratio | 9.1108% | 4,582 |
| Tier 1 risk-based capital ratio | 11.6742% | 5,077 |
| Total risk-based capital ratio | 12.6520% | 5,236 |
| Memoranda: | ||
| Average total assets | $89,295,200 | 5,383 |
| Average earning assets | $81,378,200 | 5,391 |
| Average equity | $8,345,600 | 5,967 |
| Average total loans | $65,857,400 | 5,026 |