Home > The Buffalo Ridge Bank > Performance and Condition Ratios
The Buffalo Ridge Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 1,259 |
| Cost of funding earning assets | 0.6160% | 4,211 |
| Net interest margin | 4.5066% | 939 |
| Noninterest income to average assets | 0.2481% | 5,686 |
| Noninterest expense to average assets | 2.1744% | 5,980 |
| Loan and lease loss provision to assets | 0.0113% | 5,772 |
| Net operating income to assets | 2.1361% | 286 |
| Return on assets (ROA) | 2.1361% | 310 |
| Pretax return on assets | 2.1383% | 459 |
| Return on Equity (ROE) | 25.2291% | 119 |
| Retained earnings to average equity (ytd only) | 10.0171% | 597 |
| Net charge-offs to loans | 0.0373% | 5,400 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | 95.3000% | 406 |
| Efficiency ratio | 50.2869% | 6,576 |
| Assets per employee ($millions) | 4.9153% | 2,336 |
| Cash dividends to net income (ytd only)* | 60.2957% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 6,488 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,399 |
| Noncurrent loans to loans | 0.0069% | 6,559 |
| Net loans and leases to total assets | 58.2019% | 3,941 |
| Net loans and leases to deposits | 63.4732% | 4,605 |
| Net loans and leases to core deposits | 64.8076% | 4,862 |
| Total domestic deposits to total assets | 91.6953% | 301 |
| Equity capital to assets | 8.2355% | 6,252 |
| Core capital (leverage) ratio | 8.4531% | 5,691 |
| Tier 1 risk-based capital ratio | 10.6605% | 6,496 |
| Total risk-based capital ratio | 11.3079% | 6,654 |
| Memoranda: | ||
| Average total assets | $44,333,600 | 6,367 |
| Average earning assets | $40,096,600 | 6,360 |
| Average equity | $3,753,600 | 6,620 |
| Average total loans | $26,804,400 | 6,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 1,174 |
| Cost of funding earning assets | 0.6563% | 4,140 |
| Net interest margin | 4.5531% | 897 |
| Noninterest income to average assets | 0.2349% | 5,869 |
| Noninterest expense to average assets | 2.1455% | 6,078 |
| Loan and lease loss provision to assets | 0.0155% | 5,614 |
| Net operating income to assets | 2.2104% | 277 |
| Return on assets (ROA) | 2.2104% | 312 |
| Pretax return on assets | 2.2135% | 468 |
| Return on Equity (ROE) | 25.9052% | 125 |
| Retained earnings to average equity (ytd only) | 5.2174% | 3,213 |
| Net charge-offs to loans | 0.0051% | 5,684 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 722.7895% | 53 |
| Efficiency ratio | 49.0459% | 6,658 |
| Assets per employee ($millions) | 4.5424% | 2,838 |
| Cash dividends to net income (ytd only)* | 79.8596% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,319 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 6,451 |
| Noncurrent loans to loans | 0.0577% | 6,474 |
| Net loans and leases to total assets | 56.7453% | 4,338 |
| Net loans and leases to deposits | 62.1064% | 4,957 |
| Net loans and leases to core deposits | 63.9222% | 5,155 |
| Total domestic deposits to total assets | 91.3680% | 317 |
| Equity capital to assets | 8.4471% | 6,310 |
| Core capital (leverage) ratio | 7.9632% | 6,356 |
| Tier 1 risk-based capital ratio | 11.4050% | 6,287 |
| Total risk-based capital ratio | 12.1706% | 6,491 |
| Memoranda: | ||
| Average total assets | $43,128,750 | 6,462 |
| Average earning assets | $39,210,750 | 6,457 |
| Average equity | $3,680,000 | 6,727 |
| Average total loans | $26,295,750 | 6,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 1,013 |
| Cost of funding earning assets | 0.6915% | 4,082 |
| Net interest margin | 4.6275% | 789 |
| Noninterest income to average assets | 0.2455% | 5,818 |
| Noninterest expense to average assets | 2.1670% | 6,087 |
| Loan and lease loss provision to assets | 0.0236% | 5,370 |
| Net operating income to assets | 2.2519% | 264 |
| Return on assets (ROA) | 2.2519% | 299 |
| Pretax return on assets | 2.2567% | 450 |
| Return on Equity (ROE) | 26.2979% | 126 |
| Retained earnings to average equity (ytd only) | 0.6064% | 5,823 |
| Net charge-offs to loans | -0.0909% | 6,837 |
| Credit loss provision to net charge-offs | -41.6667% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7261% | 6,727 |
| Assets per employee ($millions) | 4.2495% | 3,363 |
| Cash dividends to net income (ytd only)* | 97.6939% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 6,250 |
| Loan loss allowance to noncurrent loans | 588.3721% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 6,331 |
| Noncurrent loans to loans | 0.1653% | 6,254 |
| Net loans and leases to total assets | 60.6260% | 3,702 |
| Net loans and leases to deposits | 66.5092% | 4,442 |
| Net loans and leases to core deposits | 69.0512% | 4,661 |
| Total domestic deposits to total assets | 91.1543% | 403 |
| Equity capital to assets | 8.6645% | 6,062 |
| Core capital (leverage) ratio | 8.0985% | 6,163 |
| Tier 1 risk-based capital ratio | 11.2400% | 6,375 |
| Total risk-based capital ratio | 12.0667% | 6,556 |
| Memoranda: | ||
| Average total assets | $42,363,670 | 6,530 |
| Average earning assets | $38,465,670 | 6,532 |
| Average equity | $3,627,670 | 6,772 |
| Average total loans | $26,389,000 | 6,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 1,112 |
| Cost of funding earning assets | 0.7145% | 4,158 |
| Net interest margin | 4.5771% | 860 |
| Noninterest income to average assets | 0.2837% | 5,601 |
| Noninterest expense to average assets | 2.2034% | 6,039 |
| Loan and lease loss provision to assets | 0.0284% | 5,009 |
| Net operating income to assets | 2.2223% | 279 |
| Return on assets (ROA) | 2.2223% | 332 |
| Pretax return on assets | 2.2318% | 510 |
| Return on Equity (ROE) | 26.1075% | 158 |
| Retained earnings to average equity (ytd only) | -7.7767% | 6,753 |
| Net charge-offs to loans | -0.2258% | 7,017 |
| Credit loss provision to net charge-offs | -20.0000% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3644% | 6,715 |
| Assets per employee ($millions) | 4.2152% | 3,547 |
| Cash dividends to net income (ytd only)* | 129.7872% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,290 |
| Loan loss allowance to noncurrent loans | 940.7407% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 6,517 |
| Noncurrent loans to loans | 0.1052% | 6,497 |
| Net loans and leases to total assets | 60.3127% | 3,594 |
| Net loans and leases to deposits | 66.0046% | 4,380 |
| Net loans and leases to core deposits | 69.4219% | 4,512 |
| Total domestic deposits to total assets | 91.3764% | 414 |
| Equity capital to assets | 8.4860% | 6,095 |
| Core capital (leverage) ratio | 7.6261% | 6,553 |
| Tier 1 risk-based capital ratio | 11.0113% | 6,526 |
| Total risk-based capital ratio | 11.8437% | 6,693 |
| Memoranda: | ||
| Average total assets | $42,298,000 | 6,588 |
| Average earning assets | $38,627,000 | 6,577 |
| Average equity | $3,600,500 | 6,820 |
| Average total loans | $26,575,500 | 6,277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 879 |
| Cost of funding earning assets | 0.9430% | 3,765 |
| Net interest margin | 4.7009% | 754 |
| Noninterest income to average assets | 0.2227% | 5,936 |
| Noninterest expense to average assets | 2.5094% | 5,444 |
| Loan and lease loss provision to assets | 0.1751% | 4,444 |
| Net operating income to assets | 1.7663% | 492 |
| Return on assets (ROA) | 1.7663% | 529 |
| Pretax return on assets | 1.7663% | 864 |
| Return on Equity (ROE) | 21.0144% | 224 |
| Retained earnings to average equity (ytd only) | 10.7453% | 439 |
| Net charge-offs to loans | 0.3939% | 3,442 |
| Credit loss provision to net charge-offs | 69.3069% | 4,878 |
| Earnings coverage of net charge-offs (x) | 7.6832% | 2,290 |
| Efficiency ratio | 56.3800% | 6,267 |
| Assets per employee ($millions) | 4.2444% | 3,383 |
| Cash dividends to net income (ytd only)* | 48.8669% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 6,627 |
| Loan loss allowance to noncurrent loans | 983.3333% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,636 |
| Noncurrent loans to loans | 0.0874% | 6,592 |
| Net loans and leases to total assets | 64.1740% | 3,147 |
| Net loans and leases to deposits | 70.2445% | 4,056 |
| Net loans and leases to core deposits | 72.1441% | 4,504 |
| Total domestic deposits to total assets | 91.3580% | 376 |
| Equity capital to assets | 8.5383% | 6,093 |
| Core capital (leverage) ratio | 8.1085% | 6,131 |
| Tier 1 risk-based capital ratio | 10.4551% | 6,706 |
| Total risk-based capital ratio | 11.1741% | 6,862 |
| Memoranda: | ||
| Average total assets | $39,970,400 | 6,677 |
| Average earning assets | $35,950,400 | 6,681 |
| Average equity | $3,359,600 | 6,917 |
| Average total loans | $25,644,000 | 6,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 711 |
| Cost of funding earning assets | 1.0169% | 3,551 |
| Net interest margin | 4.7745% | 656 |
| Noninterest income to average assets | 0.2236% | 6,015 |
| Noninterest expense to average assets | 2.3175% | 5,983 |
| Loan and lease loss provision to assets | 0.1694% | 4,354 |
| Net operating income to assets | 2.0159% | 329 |
| Return on assets (ROA) | 2.0159% | 359 |
| Pretax return on assets | 2.0159% | 609 |
| Return on Equity (ROE) | 24.0871% | 162 |
| Retained earnings to average equity (ytd only) | 10.1208% | 813 |
| Net charge-offs to loans | 0.4341% | 2,984 |
| Credit loss provision to net charge-offs | 60.9756% | 4,783 |
| Earnings coverage of net charge-offs (x) | 7.8659% | 2,281 |
| Efficiency ratio | 51.4673% | 6,727 |
| Assets per employee ($millions) | 4.1091% | 3,624 |
| Cash dividends to net income (ytd only)* | 57.9836% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,530 |
| Loan loss allowance to noncurrent loans | 213.6364% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 5,244 |
| Noncurrent loans to loans | 0.4312% | 5,979 |
| Net loans and leases to total assets | 61.5171% | 3,841 |
| Net loans and leases to deposits | 67.4170% | 4,701 |
| Net loans and leases to core deposits | 69.9737% | 4,951 |
| Total domestic deposits to total assets | 91.2487% | 364 |
| Equity capital to assets | 8.6345% | 6,165 |
| Core capital (leverage) ratio | 8.0127% | 6,384 |
| Tier 1 risk-based capital ratio | 10.9879% | 6,547 |
| Total risk-based capital ratio | 11.7657% | 6,758 |
| Memoranda: | ||
| Average total assets | $39,352,000 | 6,758 |
| Average earning assets | $35,269,750 | 6,761 |
| Average equity | $3,293,500 | 6,991 |
| Average total loans | $25,186,500 | 6,470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7571% | 784 |
| Cost of funding earning assets | 1.0787% | 3,399 |
| Net interest margin | 4.6784% | 769 |
| Noninterest income to average assets | 0.2270% | 6,038 |
| Noninterest expense to average assets | 2.3058% | 6,111 |
| Loan and lease loss provision to assets | 0.2579% | 3,335 |
| Net operating income to assets | 1.8467% | 449 |
| Return on assets (ROA) | 1.8467% | 477 |
| Pretax return on assets | 1.8467% | 796 |
| Return on Equity (ROE) | 22.3145% | 225 |
| Retained earnings to average equity (ytd only) | 6.6694% | 2,038 |
| Net charge-offs to loans | 0.6619% | 2,183 |
| Credit loss provision to net charge-offs | 60.2410% | 4,332 |
| Earnings coverage of net charge-offs (x) | 4.9157% | 2,737 |
| Efficiency ratio | 52.2807% | 6,766 |
| Assets per employee ($millions) | 3.9378% | 3,899 |
| Cash dividends to net income (ytd only)* | 70.1117% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,616 |
| Loan loss allowance to noncurrent loans | 152.9412% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 5,361 |
| Noncurrent loans to loans | 0.5979% | 5,725 |
| Net loans and leases to total assets | 64.3887% | 3,379 |
| Net loans and leases to deposits | 70.4854% | 4,371 |
| Net loans and leases to core deposits | 75.0037% | 4,439 |
| Total domestic deposits to total assets | 91.3505% | 380 |
| Equity capital to assets | 8.5047% | 6,175 |
| Core capital (leverage) ratio | 7.9152% | 6,394 |
| Tier 1 risk-based capital ratio | 10.7575% | 6,682 |
| Total risk-based capital ratio | 11.5506% | 6,860 |
| Memoranda: | ||
| Average total assets | $38,772,330 | 6,829 |
| Average earning assets | $34,670,000 | 6,845 |
| Average equity | $3,208,670 | 7,068 |
| Average total loans | $25,077,670 | 6,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 1,045 |
| Cost of funding earning assets | 1.1231% | 3,350 |
| Net interest margin | 4.4807% | 1,113 |
| Noninterest income to average assets | 0.2184% | 6,169 |
| Noninterest expense to average assets | 2.3811% | 5,949 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8196% | 475 |
| Return on assets (ROA) | 1.8196% | 501 |
| Pretax return on assets | 1.8196% | 786 |
| Return on Equity (ROE) | 22.3036% | 235 |
| Retained earnings to average equity (ytd only) | 5.0980% | 3,122 |
| Net charge-offs to loans | -0.0161% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6832% | 6,422 |
| Assets per employee ($millions) | 3.8965% | 4,081 |
| Cash dividends to net income (ytd only)* | 77.1429% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 6,035 |
| Loan loss allowance to noncurrent loans | 112.1339% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,906 |
| Noncurrent loans to loans | 0.9830% | 5,075 |
| Net loans and leases to total assets | 61.7118% | 3,917 |
| Net loans and leases to deposits | 67.2484% | 4,792 |
| Net loans and leases to core deposits | 71.5655% | 4,845 |
| Total domestic deposits to total assets | 91.7670% | 349 |
| Equity capital to assets | 8.0816% | 6,406 |
| Core capital (leverage) ratio | 7.8359% | 6,431 |
| Tier 1 risk-based capital ratio | 10.9807% | 6,521 |
| Total risk-based capital ratio | 11.9282% | 6,690 |
| Memoranda: | ||
| Average total assets | $38,469,500 | 6,890 |
| Average earning assets | $34,191,000 | 6,913 |
| Average equity | $3,138,500 | 7,131 |
| Average total loans | $24,822,000 | 6,595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 531 |
| Cost of funding earning assets | 1.3632% | 3,494 |
| Net interest margin | 4.8678% | 576 |
| Noninterest income to average assets | 0.2611% | 5,927 |
| Noninterest expense to average assets | 2.7214% | 4,892 |
| Loan and lease loss provision to assets | 0.0619% | 6,524 |
| Net operating income to assets | 1.7524% | 463 |
| Return on assets (ROA) | 1.7524% | 505 |
| Pretax return on assets | 1.7551% | 841 |
| Return on Equity (ROE) | 21.3010% | 186 |
| Retained earnings to average equity (ytd only) | 2.5522% | 4,083 |
| Net charge-offs to loans | 0.1886% | 5,169 |
| Credit loss provision to net charge-offs | 48.9362% | 6,276 |
| Earnings coverage of net charge-offs (x) | 14.3617% | 1,348 |
| Efficiency ratio | 59.9644% | 6,055 |
| Assets per employee ($millions) | 3.7974% | 4,265 |
| Cash dividends to net income (ytd only)* | 88.0184% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,130 |
| Loan loss allowance to noncurrent loans | 106.3745% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 4,897 |
| Noncurrent loans to loans | 0.9909% | 5,081 |
| Net loans and leases to total assets | 66.0004% | 3,469 |
| Net loans and leases to deposits | 72.0512% | 4,508 |
| Net loans and leases to core deposits | 74.5634% | 4,904 |
| Total domestic deposits to total assets | 91.6021% | 372 |
| Equity capital to assets | 8.2372% | 6,221 |
| Core capital (leverage) ratio | 7.9559% | 6,260 |
| Tier 1 risk-based capital ratio | 10.4458% | 6,732 |
| Total risk-based capital ratio | 11.3557% | 6,918 |
| Memoranda: | ||
| Average total assets | $37,149,800 | 6,966 |
| Average earning assets | $32,643,400 | 6,995 |
| Average equity | $3,056,200 | 7,266 |
| Average total loans | $24,920,400 | 6,677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3294% | 478 |
| Cost of funding earning assets | 1.3915% | 3,629 |
| Net interest margin | 4.9379% | 510 |
| Noninterest income to average assets | 0.2707% | 5,952 |
| Noninterest expense to average assets | 2.5046% | 5,707 |
| Loan and lease loss provision to assets | 0.0614% | 6,450 |
| Net operating income to assets | 2.0427% | 318 |
| Return on assets (ROA) | 2.0427% | 340 |
| Pretax return on assets | 2.0463% | 565 |
| Return on Equity (ROE) | 24.8383% | 122 |
| Retained earnings to average equity (ytd only) | 2.3698% | 4,750 |
| Net charge-offs to loans | 0.0752% | 5,768 |
| Credit loss provision to net charge-offs | 121.4286% | 3,388 |
| Earnings coverage of net charge-offs (x) | 41.7059% | 662 |
| Efficiency ratio | 54.3036% | 6,763 |
| Assets per employee ($millions) | 3.6156% | 4,699 |
| Cash dividends to net income (ytd only)* | 90.4592% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,279 |
| Loan loss allowance to noncurrent loans | 110.1124% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 4,810 |
| Noncurrent loans to loans | 1.1283% | 4,979 |
| Net loans and leases to total assets | 64.6338% | 3,988 |
| Net loans and leases to deposits | 70.9571% | 5,005 |
| Net loans and leases to core deposits | 74.7760% | 5,196 |
| Total domestic deposits to total assets | 91.0886% | 418 |
| Equity capital to assets | 8.7178% | 5,985 |
| Core capital (leverage) ratio | 8.1951% | 6,047 |
| Tier 1 risk-based capital ratio | 11.2354% | 6,154 |
| Total risk-based capital ratio | 12.3209% | 6,304 |
| Memoranda: | ||
| Average total assets | $36,943,750 | 7,060 |
| Average earning assets | $32,482,750 | 7,081 |
| Average equity | $3,038,250 | 7,360 |
| Average total loans | $24,818,000 | 6,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1985% | 624 |
| Cost of funding earning assets | 1.3889% | 3,947 |
| Net interest margin | 4.8096% | 652 |
| Noninterest income to average assets | 0.2526% | 6,106 |
| Noninterest expense to average assets | 2.4404% | 5,941 |
| Loan and lease loss provision to assets | 0.0538% | 6,423 |
| Net operating income to assets | 2.0158% | 324 |
| Return on assets (ROA) | 2.0158% | 354 |
| Pretax return on assets | 2.0212% | 576 |
| Return on Equity (ROE) | 24.9973% | 123 |
| Retained earnings to average equity (ytd only) | -3.7329% | 6,409 |
| Net charge-offs to loans | 0.1270% | 4,927 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,086 |
| Efficiency ratio | 54.0476% | 6,877 |
| Assets per employee ($millions) | 3.6309% | 4,630 |
| Cash dividends to net income (ytd only)* | 114.9333% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,742 |
| Loan loss allowance to noncurrent loans | 86.1027% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 4,503 |
| Noncurrent loans to loans | 1.3241% | 4,740 |
| Net loans and leases to total assets | 68.0630% | 3,345 |
| Net loans and leases to deposits | 74.3987% | 4,610 |
| Net loans and leases to core deposits | 78.3520% | 4,884 |
| Total domestic deposits to total assets | 91.4842% | 333 |
| Equity capital to assets | 8.3285% | 6,387 |
| Core capital (leverage) ratio | 7.9025% | 6,382 |
| Tier 1 risk-based capital ratio | 10.3563% | 6,793 |
| Total risk-based capital ratio | 11.3626% | 6,934 |
| Memoranda: | ||
| Average total assets | $37,206,330 | 7,104 |
| Average earning assets | $32,975,670 | 7,114 |
| Average equity | $3,000,330 | 7,413 |
| Average total loans | $25,203,000 | 6,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1014% | 776 |
| Cost of funding earning assets | 1.3867% | 4,265 |
| Net interest margin | 4.7147% | 760 |
| Noninterest income to average assets | 0.2443% | 6,201 |
| Noninterest expense to average assets | 2.3583% | 6,215 |
| Loan and lease loss provision to assets | 0.1062% | 5,565 |
| Net operating income to assets | 1.9227% | 398 |
| Return on assets (ROA) | 1.9227% | 436 |
| Pretax return on assets | 1.9333% | 688 |
| Return on Equity (ROE) | 24.2262% | 181 |
| Retained earnings to average equity (ytd only) | -15.9277% | 7,243 |
| Net charge-offs to loans | 0.3161% | 3,154 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 1,831 |
| Efficiency ratio | 53.6232% | 7,010 |
| Assets per employee ($millions) | 3.6419% | 4,712 |
| Cash dividends to net income (ytd only)* | 165.7459% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,681 |
| Loan loss allowance to noncurrent loans | 63.8636% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 4,057 |
| Noncurrent loans to loans | 1.8247% | 4,026 |
| Net loans and leases to total assets | 65.4384% | 4,010 |
| Net loans and leases to deposits | 71.2829% | 5,155 |
| Net loans and leases to core deposits | 75.4942% | 5,328 |
| Total domestic deposits to total assets | 91.8010% | 287 |
| Equity capital to assets | 8.0096% | 6,643 |
| Core capital (leverage) ratio | 8.3985% | 5,565 |
| Tier 1 risk-based capital ratio | 10.1713% | 6,907 |
| Total risk-based capital ratio | 11.1679% | 7,073 |
| Memoranda: | ||
| Average total assets | $37,655,000 | 7,180 |
| Average earning assets | $33,172,500 | 7,196 |
| Average equity | $2,988,500 | 7,496 |
| Average total loans | $25,305,500 | 6,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4953% | 678 |
| Cost of funding earning assets | 1.6918% | 4,559 |
| Net interest margin | 4.8035% | 690 |
| Noninterest income to average assets | 0.2545% | 6,281 |
| Noninterest expense to average assets | 2.7376% | 5,205 |
| Loan and lease loss provision to assets | 0.0727% | 6,857 |
| Net operating income to assets | 1.7393% | 406 |
| Return on assets (ROA) | 1.7393% | 434 |
| Pretax return on assets | 1.7393% | 715 |
| Return on Equity (ROE) | 20.6686% | 212 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.1694% | 5,589 |
| Credit loss provision to net charge-offs | 61.9048% | 6,621 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,310 |
| Efficiency ratio | 60.1721% | 6,469 |
| Assets per employee ($millions) | 3.8891% | 4,049 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,908 |
| Loan loss allowance to noncurrent loans | 107.3801% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 4,928 |
| Noncurrent loans to loans | 1.0227% | 5,268 |
| Net loans and leases to total assets | 67.3858% | 3,838 |
| Net loans and leases to deposits | 73.2858% | 5,152 |
| Net loans and leases to core deposits | 81.2570% | 5,979 |
| Total domestic deposits to total assets | 91.9493% | 274 |
| Equity capital to assets | 7.8681% | 6,703 |
| Core capital (leverage) ratio | 8.2188% | 5,781 |
| Tier 1 risk-based capital ratio | 9.7928% | 7,025 |
| Total risk-based capital ratio | 10.7482% | 7,204 |
| Memoranda: | ||
| Average total assets | $35,760,800 | 7,254 |
| Average earning assets | $31,977,000 | 7,263 |
| Average equity | $3,009,400 | 7,583 |
| Average total loans | $24,798,800 | 6,924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5590% | 664 |
| Cost of funding earning assets | 1.7497% | 4,636 |
| Net interest margin | 4.8094% | 670 |
| Noninterest income to average assets | 0.2592% | 6,375 |
| Noninterest expense to average assets | 2.5234% | 6,002 |
| Loan and lease loss provision to assets | 0.0381% | 6,981 |
| Net operating income to assets | 2.0355% | 271 |
| Return on assets (ROA) | 2.0355% | 295 |
| Pretax return on assets | 2.0355% | 510 |
| Return on Equity (ROE) | 23.7584% | 139 |
| Retained earnings to average equity (ytd only) | -2.1356% | 5,751 |
| Net charge-offs to loans | 0.0821% | 5,860 |
| Credit loss provision to net charge-offs | 66.6667% | 6,052 |
| Earnings coverage of net charge-offs (x) | 36.2660% | 804 |
| Efficiency ratio | 54.8922% | 7,128 |
| Assets per employee ($millions) | 3.4952% | 4,940 |
| Cash dividends to net income (ytd only)* | 108.9890% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,606 |
| Loan loss allowance to noncurrent loans | 82.7397% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 4,168 |
| Noncurrent loans to loans | 1.5492% | 4,318 |
| Net loans and leases to total assets | 66.5427% | 4,293 |
| Net loans and leases to deposits | 73.0786% | 5,498 |
| Net loans and leases to core deposits | 84.3353% | 6,017 |
| Total domestic deposits to total assets | 91.0563% | 397 |
| Equity capital to assets | 8.6719% | 6,002 |
| Core capital (leverage) ratio | 8.4062% | 5,659 |
| Tier 1 risk-based capital ratio | 10.9050% | 6,047 |
| Total risk-based capital ratio | 12.0252% | 6,151 |
| Memoranda: | ||
| Average total assets | $34,978,250 | 7,336 |
| Average earning assets | $31,548,500 | 7,347 |
| Average equity | $2,996,750 | 7,663 |
| Average total loans | $24,374,000 | 7,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5913% | 671 |
| Cost of funding earning assets | 1.7729% | 4,895 |
| Net interest margin | 4.8184% | 635 |
| Noninterest income to average assets | 0.3144% | 5,994 |
| Noninterest expense to average assets | 2.4695% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1951% | 196 |
| Return on assets (ROA) | 2.1951% | 215 |
| Pretax return on assets | 2.1951% | 362 |
| Return on Equity (ROE) | 25.7258% | 125 |
| Retained earnings to average equity (ytd only) | -8.2403% | 6,694 |
| Net charge-offs to loans | -0.0812% | 7,920 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 7,444 |
| Assets per employee ($millions) | 3.4449% | 4,961 |
| Cash dividends to net income (ytd only)* | 132.0313% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,127 |
| Loan loss allowance to noncurrent loans | 153.8835% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,813 |
| Noncurrent loans to loans | 0.8612% | 5,494 |
| Net loans and leases to total assets | 68.5158% | 4,070 |
| Net loans and leases to deposits | 75.3055% | 5,274 |
| Net loans and leases to core deposits | 85.6733% | 5,939 |
| Total domestic deposits to total assets | 90.9838% | 456 |
| Equity capital to assets | 8.5489% | 5,977 |
| Core capital (leverage) ratio | 8.3125% | 5,774 |
| Tier 1 risk-based capital ratio | 10.4881% | 6,389 |
| Total risk-based capital ratio | 11.6506% | 6,419 |
| Memoranda: | ||
| Average total assets | $34,987,000 | 7,407 |
| Average earning assets | $31,587,330 | 7,415 |
| Average equity | $2,985,330 | 7,736 |
| Average total loans | $24,645,330 | 7,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6366% | 657 |
| Cost of funding earning assets | 1.8213% | 5,017 |
| Net interest margin | 4.8153% | 587 |
| Noninterest income to average assets | 0.2950% | 6,075 |
| Noninterest expense to average assets | 2.3939% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2805% | 204 |
| Return on assets (ROA) | 2.2805% | 235 |
| Pretax return on assets | 2.2805% | 382 |
| Return on Equity (ROE) | 26.7510% | 151 |
| Retained earnings to average equity (ytd only) | -23.1575% | 7,725 |
| Net charge-offs to loans | -0.1280% | 7,941 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2136% | 7,488 |
| Assets per employee ($millions) | 3.4085% | 5,053 |
| Cash dividends to net income (ytd only)* | 186.5672% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,770 |
| Loan loss allowance to noncurrent loans | 103.9604% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 4,007 |
| Noncurrent loans to loans | 1.3029% | 4,372 |
| Net loans and leases to total assets | 67.3053% | 4,289 |
| Net loans and leases to deposits | 73.8888% | 5,492 |
| Net loans and leases to core deposits | 85.6743% | 5,932 |
| Total domestic deposits to total assets | 91.0899% | 386 |
| Equity capital to assets | 8.5169% | 6,049 |
| Core capital (leverage) ratio | 8.0629% | 6,364 |
| Tier 1 risk-based capital ratio | 10.5149% | 6,382 |
| Total risk-based capital ratio | 11.6928% | 6,364 |
| Memoranda: | ||
| Average total assets | $35,256,000 | 7,434 |
| Average earning assets | $32,064,500 | 7,438 |
| Average equity | $3,005,500 | 7,785 |
| Average total loans | $25,008,000 | 7,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1609% | 802 |
| Cost of funding earning assets | 2.3700% | 4,852 |
| Net interest margin | 4.7909% | 792 |
| Noninterest income to average assets | 0.3547% | 5,891 |
| Noninterest expense to average assets | 2.6341% | 5,512 |
| Loan and lease loss provision to assets | 0.1076% | 5,996 |
| Net operating income to assets | 1.9800% | 371 |
| Return on assets (ROA) | 1.9800% | 352 |
| Pretax return on assets | 1.9800% | 637 |
| Return on Equity (ROE) | 23.3731% | 197 |
| Retained earnings to average equity (ytd only) | 1.9220% | 4,037 |
| Net charge-offs to loans | 0.1139% | 5,124 |
| Credit loss provision to net charge-offs | 132.1429% | 4,032 |
| Earnings coverage of net charge-offs (x) | 25.6429% | 1,321 |
| Efficiency ratio | 55.7882% | 7,042 |
| Assets per employee ($millions) | 4.0474% | 3,416 |
| Cash dividends to net income (ytd only)* | 91.7768% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 4,947 |
| Loan loss allowance to noncurrent loans | 91.9162% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 3,557 |
| Noncurrent loans to loans | 1.2481% | 4,018 |
| Net loans and leases to total assets | 72.6192% | 3,456 |
| Net loans and leases to deposits | 84.3904% | 4,363 |
| Net loans and leases to core deposits | 95.0726% | 5,342 |
| Total domestic deposits to total assets | 86.0516% | 2,377 |
| Equity capital to assets | 8.5321% | 6,030 |
| Core capital (leverage) ratio | 8.5766% | 5,432 |
| Tier 1 risk-based capital ratio | 10.0617% | 6,674 |
| Total risk-based capital ratio | 11.0976% | 6,790 |
| Memoranda: | ||
| Average total assets | $34,394,800 | 7,445 |
| Average earning assets | $31,350,800 | 7,443 |
| Average equity | $2,913,600 | 7,862 |
| Average total loans | $24,583,000 | 7,051 |