Home > The Citizens State Bank of Cortez > Performance and Condition Ratios
The Citizens State Bank of Cortez, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 4,014 |
| Cost of funding earning assets | 0.4950% | 3,813 |
| Net interest margin | 3.5344% | 3,737 |
| Noninterest income to average assets | 0.8506% | 1,932 |
| Noninterest expense to average assets | 3.8862% | 984 |
| Loan and lease loss provision to assets | 0.0292% | 4,424 |
| Net operating income to assets | -0.0154% | 6,311 |
| Return on assets (ROA) | -0.3739% | 6,566 |
| Pretax return on assets | -0.2641% | 6,499 |
| Return on Equity (ROE) | -3.2018% | 6,531 |
| Retained earnings to average equity (ytd only) | -3.2018% | 6,371 |
| Net charge-offs to loans | 0.3266% | 1,909 |
| Credit loss provision to net charge-offs | 14.6552% | 4,154 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 4,650 |
| Efficiency ratio | 96.9204% | 578 |
| Assets per employee ($millions) | 3.0650% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 1,770 |
| Loan loss allowance to noncurrent loans | 72.8748% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 1,698 |
| Noncurrent loans to loans | 2.7173% | 1,553 |
| Net loans and leases to total assets | 60.9162% | 3,539 |
| Net loans and leases to deposits | 71.1952% | 3,612 |
| Net loans and leases to core deposits | 75.7559% | 3,642 |
| Total domestic deposits to total assets | 85.5622% | 3,463 |
| Equity capital to assets | 11.6333% | 2,183 |
| Core capital (leverage) ratio | 11.5033% | 2,037 |
| Tier 1 risk-based capital ratio | 17.7924% | 2,406 |
| Total risk-based capital ratio | 19.0499% | 2,370 |
| Memoranda: | ||
| Average total assets | $77,744,000 | 5,344 |
| Average earning assets | $69,486,750 | 5,375 |
| Average equity | $9,078,000 | 5,120 |
| Average total loans | $47,350,250 | 5,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,897 |
| Cost of funding earning assets | 0.4809% | 4,083 |
| Net interest margin | 3.2975% | 4,591 |
| Noninterest income to average assets | 0.8321% | 2,058 |
| Noninterest expense to average assets | 3.6048% | 1,408 |
| Loan and lease loss provision to assets | 0.0256% | 4,407 |
| Net operating income to assets | 0.1920% | 5,922 |
| Return on assets (ROA) | 0.1920% | 6,044 |
| Pretax return on assets | 0.2560% | 5,988 |
| Return on Equity (ROE) | 1.6425% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.6425% | 5,204 |
| Net charge-offs to loans | 0.1947% | 2,593 |
| Credit loss provision to net charge-offs | 21.7391% | 3,701 |
| Earnings coverage of net charge-offs (x) | 2.3913% | 3,723 |
| Efficiency ratio | 92.7536% | 838 |
| Assets per employee ($millions) | 3.1202% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 1,672 |
| Loan loss allowance to noncurrent loans | 46.6791% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 3.3113% | 1,185 |
| Noncurrent loans to loans | 4.4606% | 785 |
| Net loans and leases to total assets | 60.5876% | 3,563 |
| Net loans and leases to deposits | 70.9959% | 3,588 |
| Net loans and leases to core deposits | 75.4562% | 3,617 |
| Total domestic deposits to total assets | 85.3396% | 3,725 |
| Equity capital to assets | 11.6645% | 2,165 |
| Core capital (leverage) ratio | 11.8165% | 1,715 |
| Tier 1 risk-based capital ratio | 18.1714% | 2,261 |
| Total risk-based capital ratio | 19.4307% | 2,217 |
| Memoranda: | ||
| Average total assets | $78,117,000 | 5,370 |
| Average earning assets | $72,357,000 | 5,323 |
| Average equity | $9,132,670 | 5,143 |
| Average total loans | $47,260,330 | 5,128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 5,367 |
| Cost of funding earning assets | 0.4771% | 4,302 |
| Net interest margin | 3.1513% | 5,088 |
| Noninterest income to average assets | 0.7982% | 2,129 |
| Noninterest expense to average assets | 3.4693% | 1,683 |
| Loan and lease loss provision to assets | 0.0256% | 4,145 |
| Net operating income to assets | 0.1842% | 5,938 |
| Return on assets (ROA) | 0.1842% | 6,050 |
| Pretax return on assets | 0.2098% | 6,056 |
| Return on Equity (ROE) | 1.5739% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.5739% | 5,196 |
| Net charge-offs to loans | 0.5903% | 1,035 |
| Credit loss provision to net charge-offs | 7.2464% | 3,177 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 3,606 |
| Efficiency ratio | 93.6464% | 858 |
| Assets per employee ($millions) | 3.2226% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 1,969 |
| Loan loss allowance to noncurrent loans | 42.2098% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 3.2309% | 1,350 |
| Noncurrent loans to loans | 4.8067% | 814 |
| Net loans and leases to total assets | 58.6178% | 3,674 |
| Net loans and leases to deposits | 69.1713% | 3,615 |
| Net loans and leases to core deposits | 73.1041% | 3,692 |
| Total domestic deposits to total assets | 84.7429% | 4,162 |
| Equity capital to assets | 11.3782% | 2,553 |
| Core capital (leverage) ratio | 11.7664% | 1,695 |
| Tier 1 risk-based capital ratio | 17.9879% | 2,368 |
| Total risk-based capital ratio | 19.2457% | 2,333 |
| Memoranda: | ||
| Average total assets | $78,172,500 | 5,414 |
| Average earning assets | $72,098,000 | 5,385 |
| Average equity | $9,149,500 | 5,197 |
| Average total loans | $46,757,000 | 5,181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 5,494 |
| Cost of funding earning assets | 0.6063% | 4,279 |
| Net interest margin | 3.3226% | 5,174 |
| Noninterest income to average assets | 0.8303% | 2,131 |
| Noninterest expense to average assets | 3.5523% | 1,715 |
| Loan and lease loss provision to assets | 0.0065% | 5,840 |
| Net operating income to assets | 0.2180% | 5,739 |
| Return on assets (ROA) | 0.2180% | 5,926 |
| Pretax return on assets | 0.3407% | 5,742 |
| Return on Equity (ROE) | 1.8421% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.8421% | 4,926 |
| Net charge-offs to loans | 0.4292% | 2,520 |
| Credit loss provision to net charge-offs | 2.5000% | 5,465 |
| Earnings coverage of net charge-offs (x) | 1.3300% | 4,796 |
| Efficiency ratio | 91.0947% | 982 |
| Assets per employee ($millions) | 3.0312% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 1,371 |
| Loan loss allowance to noncurrent loans | 112.5270% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 2,874 |
| Noncurrent loans to loans | 2.0437% | 2,651 |
| Net loans and leases to total assets | 58.4172% | 3,894 |
| Net loans and leases to deposits | 67.9051% | 4,000 |
| Net loans and leases to core deposits | 71.9466% | 4,050 |
| Total domestic deposits to total assets | 86.0278% | 3,352 |
| Equity capital to assets | 12.0508% | 2,012 |
| Core capital (leverage) ratio | 11.9166% | 1,611 |
| Tier 1 risk-based capital ratio | 19.2361% | 1,883 |
| Total risk-based capital ratio | 20.4980% | 1,854 |
| Memoranda: | ||
| Average total assets | $76,598,200 | 5,445 |
| Average earning assets | $70,758,800 | 5,397 |
| Average equity | $9,065,800 | 5,204 |
| Average total loans | $46,602,400 | 5,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 5,764 |
| Cost of funding earning assets | 0.6251% | 4,411 |
| Net interest margin | 3.2847% | 5,437 |
| Noninterest income to average assets | 0.8229% | 2,147 |
| Noninterest expense to average assets | 3.3921% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3090% | 5,586 |
| Return on assets (ROA) | 0.3090% | 5,791 |
| Pretax return on assets | 0.4774% | 5,526 |
| Return on Equity (ROE) | 2.6226% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.6226% | 4,994 |
| Net charge-offs to loans | 0.5370% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.4551% | 4,560 |
| Efficiency ratio | 87.6626% | 1,233 |
| Assets per employee ($millions) | 3.0366% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,518 |
| Loan loss allowance to noncurrent loans | 331.6456% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 4,351 |
| Noncurrent loans to loans | 0.6932% | 5,051 |
| Net loans and leases to total assets | 58.6669% | 4,011 |
| Net loans and leases to deposits | 68.7363% | 4,065 |
| Net loans and leases to core deposits | 72.8360% | 4,150 |
| Total domestic deposits to total assets | 85.3507% | 3,590 |
| Equity capital to assets | 12.0411% | 2,221 |
| Core capital (leverage) ratio | 11.9272% | 1,700 |
| Tier 1 risk-based capital ratio | 19.2542% | 1,933 |
| Total risk-based capital ratio | 20.5162% | 1,902 |
| Memoranda: | ||
| Average total assets | $76,803,000 | 5,494 |
| Average earning assets | $71,238,250 | 5,452 |
| Average equity | $9,049,250 | 5,255 |
| Average total loans | $46,925,500 | 5,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 6,109 |
| Cost of funding earning assets | 0.6397% | 4,534 |
| Net interest margin | 3.1734% | 5,812 |
| Noninterest income to average assets | 0.8093% | 2,141 |
| Noninterest expense to average assets | 3.4423% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2257% | 5,843 |
| Return on assets (ROA) | 0.2257% | 6,030 |
| Pretax return on assets | 0.3139% | 5,937 |
| Return on Equity (ROE) | 1.9293% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.9293% | 5,232 |
| Net charge-offs to loans | 0.7979% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6402% | 4,745 |
| Efficiency ratio | 91.6436% | 950 |
| Assets per employee ($millions) | 3.0926% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 1,725 |
| Loan loss allowance to noncurrent loans | 218.7891% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 4,490 |
| Noncurrent loans to loans | 1.0153% | 4,481 |
| Net loans and leases to total assets | 59.6637% | 3,885 |
| Net loans and leases to deposits | 70.1496% | 3,866 |
| Net loans and leases to core deposits | 74.3608% | 3,973 |
| Total domestic deposits to total assets | 85.0521% | 3,830 |
| Equity capital to assets | 11.7067% | 2,406 |
| Core capital (leverage) ratio | 11.7301% | 1,763 |
| Tier 1 risk-based capital ratio | 18.4910% | 2,136 |
| Total risk-based capital ratio | 19.7519% | 2,091 |
| Memoranda: | ||
| Average total assets | $77,099,000 | 5,519 |
| Average earning assets | $71,595,670 | 5,475 |
| Average equity | $9,018,670 | 5,261 |
| Average total loans | $47,372,330 | 5,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 6,274 |
| Cost of funding earning assets | 0.6590% | 4,647 |
| Net interest margin | 3.1276% | 5,963 |
| Noninterest income to average assets | 0.7897% | 2,212 |
| Noninterest expense to average assets | 3.2783% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2702% | 5,748 |
| Return on assets (ROA) | 0.2702% | 5,913 |
| Pretax return on assets | 0.4208% | 5,666 |
| Return on Equity (ROE) | 2.3105% | 5,971 |
| Retained earnings to average equity (ytd only) | 2.3105% | 5,102 |
| Net charge-offs to loans | -0.0084% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6236% | 1,213 |
| Assets per employee ($millions) | 2.9932% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6599% | 1,164 |
| Loan loss allowance to noncurrent loans | 189.4495% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 4,088 |
| Noncurrent loans to loans | 1.4040% | 4,007 |
| Net loans and leases to total assets | 58.2637% | 3,991 |
| Net loans and leases to deposits | 68.0790% | 4,044 |
| Net loans and leases to core deposits | 72.1099% | 4,136 |
| Total domestic deposits to total assets | 85.5825% | 3,747 |
| Equity capital to assets | 11.5944% | 2,354 |
| Core capital (leverage) ratio | 11.7126% | 1,760 |
| Tier 1 risk-based capital ratio | 19.2815% | 1,906 |
| Total risk-based capital ratio | 20.5482% | 1,866 |
| Memoranda: | ||
| Average total assets | $76,991,000 | 5,564 |
| Average earning assets | $71,620,500 | 5,510 |
| Average equity | $9,002,500 | 5,280 |
| Average total loans | $47,470,000 | 5,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 6,172 |
| Cost of funding earning assets | 0.7728% | 5,048 |
| Net interest margin | 3.3840% | 5,531 |
| Noninterest income to average assets | 0.9086% | 1,646 |
| Noninterest expense to average assets | 3.1181% | 3,140 |
| Loan and lease loss provision to assets | 0.0190% | 6,334 |
| Net operating income to assets | 0.5685% | 4,157 |
| Return on assets (ROA) | 0.5685% | 4,335 |
| Pretax return on assets | 0.9112% | 3,571 |
| Return on Equity (ROE) | 5.1226% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.1226% | 2,554 |
| Net charge-offs to loans | 0.4916% | 3,025 |
| Credit loss provision to net charge-offs | 5.7471% | 6,038 |
| Earnings coverage of net charge-offs (x) | 2.8084% | 3,812 |
| Efficiency ratio | 77.0219% | 2,743 |
| Assets per employee ($millions) | 2.9292% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5580% | 1,239 |
| Loan loss allowance to noncurrent loans | 196.9745% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 4,188 |
| Noncurrent loans to loans | 1.2986% | 4,205 |
| Net loans and leases to total assets | 61.8724% | 3,626 |
| Net loans and leases to deposits | 72.7438% | 3,701 |
| Net loans and leases to core deposits | 76.8586% | 3,848 |
| Total domestic deposits to total assets | 85.0551% | 3,814 |
| Equity capital to assets | 11.7936% | 2,272 |
| Core capital (leverage) ratio | 11.5265% | 1,870 |
| Tier 1 risk-based capital ratio | 19.5346% | 1,749 |
| Total risk-based capital ratio | 20.7973% | 1,713 |
| Memoranda: | ||
| Average total assets | $78,798,600 | 5,484 |
| Average earning assets | $73,107,800 | 5,437 |
| Average equity | $8,745,600 | 5,352 |
| Average total loans | $53,094,400 | 5,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 6,242 |
| Cost of funding earning assets | 0.7896% | 5,217 |
| Net interest margin | 3.3968% | 5,591 |
| Noninterest income to average assets | 0.8960% | 1,668 |
| Noninterest expense to average assets | 3.1429% | 3,014 |
| Loan and lease loss provision to assets | 0.0252% | 6,139 |
| Net operating income to assets | 0.5537% | 4,304 |
| Return on assets (ROA) | 0.5537% | 4,483 |
| Pretax return on assets | 0.8826% | 3,835 |
| Return on Equity (ROE) | 5.0652% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.0652% | 3,131 |
| Net charge-offs to loans | 0.3955% | 3,135 |
| Credit loss provision to net charge-offs | 9.3168% | 5,666 |
| Earnings coverage of net charge-offs (x) | 3.3603% | 3,471 |
| Efficiency ratio | 77.5891% | 2,596 |
| Assets per employee ($millions) | 2.9609% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 1,274 |
| Loan loss allowance to noncurrent loans | 79.3943% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.5931% | 2,489 |
| Noncurrent loans to loans | 3.2663% | 2,118 |
| Net loans and leases to total assets | 62.8190% | 3,542 |
| Net loans and leases to deposits | 75.0965% | 3,493 |
| Net loans and leases to core deposits | 79.6877% | 3,686 |
| Total domestic deposits to total assets | 83.6511% | 4,401 |
| Equity capital to assets | 11.0865% | 3,058 |
| Core capital (leverage) ratio | 11.2222% | 2,214 |
| Tier 1 risk-based capital ratio | 17.9657% | 2,268 |
| Total risk-based capital ratio | 19.2336% | 2,223 |
| Memoranda: | ||
| Average total assets | $79,458,250 | 5,519 |
| Average earning assets | $73,792,750 | 5,452 |
| Average equity | $8,686,500 | 5,390 |
| Average total loans | $54,278,250 | 5,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 6,246 |
| Cost of funding earning assets | 0.8124% | 5,290 |
| Net interest margin | 3.4046% | 5,542 |
| Noninterest income to average assets | 0.8802% | 1,716 |
| Noninterest expense to average assets | 3.2662% | 2,680 |
| Loan and lease loss provision to assets | 0.0252% | 5,985 |
| Net operating income to assets | 0.4691% | 4,649 |
| Return on assets (ROA) | 0.4691% | 4,784 |
| Pretax return on assets | 0.7491% | 4,215 |
| Return on Equity (ROE) | 4.3117% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.3117% | 3,450 |
| Net charge-offs to loans | 0.4711% | 2,695 |
| Credit loss provision to net charge-offs | 7.6923% | 5,270 |
| Earnings coverage of net charge-offs (x) | 2.3615% | 3,643 |
| Efficiency ratio | 80.8365% | 2,257 |
| Assets per employee ($millions) | 2.7333% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5467% | 1,380 |
| Loan loss allowance to noncurrent loans | 51.2030% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.8137% | 1,700 |
| Noncurrent loans to loans | 4.9737% | 1,317 |
| Net loans and leases to total assets | 65.7512% | 3,081 |
| Net loans and leases to deposits | 77.3543% | 3,243 |
| Net loans and leases to core deposits | 82.6958% | 3,405 |
| Total domestic deposits to total assets | 85.0001% | 3,877 |
| Equity capital to assets | 10.9857% | 2,972 |
| Core capital (leverage) ratio | 11.0169% | 2,234 |
| Tier 1 risk-based capital ratio | 17.0422% | 2,499 |
| Total risk-based capital ratio | 18.3101% | 2,469 |
| Memoranda: | ||
| Average total assets | $79,296,330 | 5,570 |
| Average earning assets | $73,607,330 | 5,504 |
| Average equity | $8,627,670 | 5,421 |
| Average total loans | $55,185,330 | 5,165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 6,201 |
| Cost of funding earning assets | 0.8408% | 5,328 |
| Net interest margin | 3.3903% | 5,467 |
| Noninterest income to average assets | 0.8776% | 1,738 |
| Noninterest expense to average assets | 2.9756% | 3,746 |
| Loan and lease loss provision to assets | 0.0252% | 5,647 |
| Net operating income to assets | 0.6456% | 3,771 |
| Return on assets (ROA) | 0.6456% | 3,848 |
| Pretax return on assets | 1.0289% | 3,027 |
| Return on Equity (ROE) | 5.9622% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.9622% | 2,663 |
| Net charge-offs to loans | 0.9137% | 1,458 |
| Credit loss provision to net charge-offs | 3.9063% | 4,439 |
| Earnings coverage of net charge-offs (x) | 1.6328% | 3,496 |
| Efficiency ratio | 73.8423% | 3,540 |
| Assets per employee ($millions) | 2.7232% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4677% | 1,506 |
| Loan loss allowance to noncurrent loans | 44.8401% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 4.4775% | 1,452 |
| Noncurrent loans to loans | 5.5033% | 1,191 |
| Net loans and leases to total assets | 68.0638% | 2,538 |
| Net loans and leases to deposits | 80.4815% | 2,615 |
| Net loans and leases to core deposits | 88.4836% | 2,538 |
| Total domestic deposits to total assets | 84.5707% | 4,236 |
| Equity capital to assets | 10.9544% | 2,730 |
| Core capital (leverage) ratio | 10.8467% | 2,313 |
| Tier 1 risk-based capital ratio | 16.7855% | 2,550 |
| Total risk-based capital ratio | 18.0527% | 2,516 |
| Memoranda: | ||
| Average total assets | $79,311,000 | 5,607 |
| Average earning assets | $73,740,000 | 5,547 |
| Average equity | $8,587,500 | 5,439 |
| Average total loans | $56,037,500 | 5,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 6,356 |
| Cost of funding earning assets | 1.1403% | 4,908 |
| Net interest margin | 3.3752% | 5,718 |
| Noninterest income to average assets | 1.0164% | 1,455 |
| Noninterest expense to average assets | 3.0384% | 3,703 |
| Loan and lease loss provision to assets | 0.9248% | 1,763 |
| Net operating income to assets | 0.2568% | 5,093 |
| Return on assets (ROA) | 0.2978% | 5,111 |
| Pretax return on assets | 0.2206% | 5,440 |
| Return on Equity (ROE) | 2.9143% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.9143% | 3,818 |
| Net charge-offs to loans | 0.4348% | 3,881 |
| Credit loss provision to net charge-offs | 304.3651% | 876 |
| Earnings coverage of net charge-offs (x) | 3.6349% | 3,260 |
| Efficiency ratio | 73.3411% | 3,519 |
| Assets per employee ($millions) | 2.6550% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6017% | 1,290 |
| Loan loss allowance to noncurrent loans | 55.1750% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 4.0038% | 1,699 |
| Noncurrent loans to loans | 4.7153% | 1,473 |
| Net loans and leases to total assets | 69.6569% | 2,614 |
| Net loans and leases to deposits | 80.3490% | 3,106 |
| Net loans and leases to core deposits | 88.9347% | 2,913 |
| Total domestic deposits to total assets | 86.6929% | 2,985 |
| Equity capital to assets | 10.7020% | 2,956 |
| Core capital (leverage) ratio | 10.2530% | 2,814 |
| Tier 1 risk-based capital ratio | 15.7872% | 2,849 |
| Total risk-based capital ratio | 17.0544% | 2,807 |
| Memoranda: | ||
| Average total assets | $82,938,200 | 5,500 |
| Average earning assets | $76,825,200 | 5,451 |
| Average equity | $8,475,400 | 5,558 |
| Average total loans | $57,953,400 | 5,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 6,288 |
| Cost of funding earning assets | 1.1855% | 4,943 |
| Net interest margin | 3.4309% | 5,566 |
| Noninterest income to average assets | 1.0570% | 1,288 |
| Noninterest expense to average assets | 3.0801% | 3,422 |
| Loan and lease loss provision to assets | 0.4250% | 3,362 |
| Net operating income to assets | 0.4620% | 4,479 |
| Return on assets (ROA) | 0.4966% | 4,526 |
| Pretax return on assets | 0.7800% | 3,980 |
| Return on Equity (ROE) | 4.9153% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.9153% | 3,048 |
| Net charge-offs to loans | 0.2543% | 4,418 |
| Credit loss provision to net charge-offs | 240.5405% | 1,404 |
| Earnings coverage of net charge-offs (x) | 6.5134% | 2,507 |
| Efficiency ratio | 72.7991% | 3,556 |
| Assets per employee ($millions) | 2.8048% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,350 |
| Loan loss allowance to noncurrent loans | 38.1195% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 3.5012% | 2,041 |
| Noncurrent loans to loans | 5.1149% | 1,342 |
| Net loans and leases to total assets | 67.1155% | 3,431 |
| Net loans and leases to deposits | 81.1615% | 3,238 |
| Net loans and leases to core deposits | 88.6032% | 3,300 |
| Total domestic deposits to total assets | 82.6937% | 4,720 |
| Equity capital to assets | 10.2136% | 3,862 |
| Core capital (leverage) ratio | 10.3263% | 2,881 |
| Tier 1 risk-based capital ratio | 15.2793% | 3,111 |
| Total risk-based capital ratio | 16.5395% | 3,067 |
| Memoranda: | ||
| Average total assets | $83,760,500 | 5,544 |
| Average earning assets | $77,489,250 | 5,498 |
| Average equity | $8,463,250 | 5,636 |
| Average total loans | $58,201,000 | 5,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 6,193 |
| Cost of funding earning assets | 1.2246% | 4,990 |
| Net interest margin | 3.4588% | 5,405 |
| Noninterest income to average assets | 1.0833% | 1,139 |
| Noninterest expense to average assets | 3.1853% | 2,960 |
| Loan and lease loss provision to assets | 0.5070% | 2,770 |
| Net operating income to assets | 0.3760% | 4,869 |
| Return on assets (ROA) | 0.4281% | 4,788 |
| Pretax return on assets | 0.6672% | 4,346 |
| Return on Equity (ROE) | 4.2519% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.2519% | 3,370 |
| Net charge-offs to loans | 0.3116% | 3,761 |
| Credit loss provision to net charge-offs | 232.9670% | 1,656 |
| Earnings coverage of net charge-offs (x) | 5.0220% | 2,776 |
| Efficiency ratio | 74.4550% | 3,385 |
| Assets per employee ($millions) | 2.7017% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,475 |
| Loan loss allowance to noncurrent loans | 59.2492% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.7151% | 2,658 |
| Noncurrent loans to loans | 3.1710% | 2,524 |
| Net loans and leases to total assets | 67.9048% | 3,387 |
| Net loans and leases to deposits | 81.7141% | 3,314 |
| Net loans and leases to core deposits | 88.0414% | 3,539 |
| Total domestic deposits to total assets | 83.1005% | 4,529 |
| Equity capital to assets | 10.0915% | 3,899 |
| Core capital (leverage) ratio | 10.0546% | 3,112 |
| Tier 1 risk-based capital ratio | 15.0438% | 3,135 |
| Total risk-based capital ratio | 16.3026% | 3,096 |
| Memoranda: | ||
| Average total assets | $83,633,000 | 5,578 |
| Average earning assets | $77,251,330 | 5,541 |
| Average equity | $8,419,670 | 5,654 |
| Average total loans | $58,402,670 | 5,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 5,659 |
| Cost of funding earning assets | 1.2414% | 5,167 |
| Net interest margin | 3.6151% | 4,656 |
| Noninterest income to average assets | 0.9381% | 1,491 |
| Noninterest expense to average assets | 2.9100% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8472% | 2,760 |
| Return on assets (ROA) | 0.8472% | 2,854 |
| Pretax return on assets | 1.3593% | 1,880 |
| Return on Equity (ROE) | 8.4251% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.4251% | 1,556 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1614% | 4,693 |
| Assets per employee ($millions) | 2.7490% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 3,151 |
| Loan loss allowance to noncurrent loans | 87.6812% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.9373% | 3,574 |
| Noncurrent loans to loans | 1.9113% | 3,909 |
| Net loans and leases to total assets | 66.6452% | 3,714 |
| Net loans and leases to deposits | 80.6289% | 3,528 |
| Net loans and leases to core deposits | 86.6993% | 3,800 |
| Total domestic deposits to total assets | 82.6567% | 4,775 |
| Equity capital to assets | 9.9648% | 3,912 |
| Core capital (leverage) ratio | 9.9252% | 3,258 |
| Tier 1 risk-based capital ratio | 15.1274% | 3,055 |
| Total risk-based capital ratio | 16.3897% | 3,003 |
| Memoranda: | ||
| Average total assets | $83,572,500 | 5,647 |
| Average earning assets | $77,010,000 | 5,599 |
| Average equity | $8,403,500 | 5,713 |
| Average total loans | $58,623,000 | 5,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 4,309 |
| Cost of funding earning assets | 1.2336% | 6,532 |
| Net interest margin | 4.2391% | 1,942 |
| Noninterest income to average assets | 0.8937% | 1,965 |
| Noninterest expense to average assets | 13.0926% | 71 |
| Loan and lease loss provision to assets | 0.5437% | 3,652 |
| Net operating income to assets | -8.9705% | 7,958 |
| Return on assets (ROA) | -8.7090% | 7,954 |
| Pretax return on assets | -8.9445% | 7,946 |
| Return on Equity (ROE) | -53.2238% | 7,710 |
| Retained earnings to average equity (ytd only) | -53.2238% | 7,705 |
| Net charge-offs to loans | 1.4206% | 1,768 |
| Credit loss provision to net charge-offs | 58.8796% | 6,654 |
| Earnings coverage of net charge-offs (x) | -9.3897% | 7,158 |
| Efficiency ratio | 60.2290% | 6,453 |
| Assets per employee ($millions) | 2.7308% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 3,179 |
| Loan loss allowance to noncurrent loans | 86.2623% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 3,355 |
| Noncurrent loans to loans | 1.8846% | 3,823 |
| Net loans and leases to total assets | 71.4263% | 2,903 |
| Net loans and leases to deposits | 84.5937% | 3,163 |
| Net loans and leases to core deposits | 106.9293% | 3,222 |
| Total domestic deposits to total assets | 84.4345% | 3,828 |
| Equity capital to assets | 10.1495% | 3,564 |
| Core capital (leverage) ratio | 8.9798% | 4,458 |
| Tier 1 risk-based capital ratio | 14.6851% | 3,110 |
| Total risk-based capital ratio | 15.9441% | 3,059 |
| Memoranda: | ||
| Average total assets | $90,860,200 | 5,366 |
| Average earning assets | $75,630,000 | 5,616 |
| Average equity | $14,867,400 | 4,086 |
| Average total loans | $59,059,000 | 5,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 4,004 |
| Cost of funding earning assets | 1.2312% | 6,799 |
| Net interest margin | 4.3434% | 1,606 |
| Noninterest income to average assets | 0.7949% | 2,456 |
| Noninterest expense to average assets | 2.8214% | 4,810 |
| Loan and lease loss provision to assets | 0.7075% | 2,609 |
| Net operating income to assets | 0.5106% | 3,939 |
| Return on assets (ROA) | 0.5629% | 3,828 |
| Pretax return on assets | 0.8794% | 3,286 |
| Return on Equity (ROE) | 3.1746% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.1746% | 3,537 |
| Net charge-offs to loans | 0.2194% | 4,663 |
| Credit loss provision to net charge-offs | 509.2784% | 770 |
| Earnings coverage of net charge-offs (x) | 10.8351% | 1,915 |
| Efficiency ratio | 59.4505% | 6,488 |
| Assets per employee ($millions) | 3.1395% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7905% | 799 |
| Loan loss allowance to noncurrent loans | 67.1378% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.7975% | 2,484 |
| Noncurrent loans to loans | 4.1563% | 1,748 |
| Net loans and leases to total assets | 65.4285% | 4,552 |
| Net loans and leases to deposits | 88.6815% | 2,837 |
| Net loans and leases to core deposits | 109.8044% | 3,260 |
| Total domestic deposits to total assets | 73.7792% | 6,991 |
| Equity capital to assets | 18.3599% | 479 |
| Core capital (leverage) ratio | 8.6735% | 5,174 |
| Tier 1 risk-based capital ratio | 12.9731% | 4,209 |
| Total risk-based capital ratio | 14.2446% | 4,129 |
| Memoranda: | ||
| Average total assets | $93,094,000 | 5,328 |
| Average earning assets | $75,699,500 | 5,645 |
| Average equity | $16,505,500 | 3,808 |
| Average total loans | $58,953,000 | 5,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 4,896 |
| Cost of funding earning assets | 1.2192% | 7,050 |
| Net interest margin | 4.2313% | 1,875 |
| Noninterest income to average assets | 0.7145% | 2,901 |
| Noninterest expense to average assets | 2.8109% | 4,918 |
| Loan and lease loss provision to assets | 0.6270% | 2,550 |
| Net operating income to assets | 0.4436% | 4,316 |
| Return on assets (ROA) | 0.4436% | 4,424 |
| Pretax return on assets | 0.6889% | 4,038 |
| Return on Equity (ROE) | 2.5311% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.5311% | 3,922 |
| Net charge-offs to loans | 0.2888% | 3,750 |
| Credit loss provision to net charge-offs | 350.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 7.3452% | 2,455 |
| Efficiency ratio | 62.1189% | 6,232 |
| Assets per employee ($millions) | 3.4348% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3151% | 1,084 |
| Loan loss allowance to noncurrent loans | 61.6599% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3970% | 2,706 |
| Noncurrent loans to loans | 3.7546% | 1,841 |
| Net loans and leases to total assets | 62.3646% | 5,293 |
| Net loans and leases to deposits | 82.7641% | 4,092 |
| Net loans and leases to core deposits | 99.8617% | 4,523 |
| Total domestic deposits to total assets | 75.3523% | 6,688 |
| Equity capital to assets | 16.0048% | 823 |
| Core capital (leverage) ratio | 8.6102% | 5,246 |
| Tier 1 risk-based capital ratio | 11.2953% | 5,600 |
| Total risk-based capital ratio | 12.5606% | 5,485 |
| Memoranda: | ||
| Average total assets | $93,776,670 | 5,352 |
| Average earning assets | $75,626,330 | 5,687 |
| Average equity | $16,435,330 | 3,830 |
| Average total loans | $58,177,330 | 5,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 3,661 |
| Cost of funding earning assets | 1.2314% | 7,224 |
| Net interest margin | 4.4951% | 1,135 |
| Noninterest income to average assets | 0.6372% | 3,291 |
| Noninterest expense to average assets | 2.8269% | 4,437 |
| Loan and lease loss provision to assets | 0.3590% | 3,168 |
| Net operating income to assets | 0.7045% | 3,532 |
| Return on assets (ROA) | 0.7045% | 3,726 |
| Pretax return on assets | 1.1038% | 2,975 |
| Return on Equity (ROE) | 3.8276% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.8276% | 3,760 |
| Net charge-offs to loans | 0.2501% | 3,155 |
| Credit loss provision to net charge-offs | 235.2941% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.5882% | 2,042 |
| Efficiency ratio | 59.8326% | 6,431 |
| Assets per employee ($millions) | 2.9909% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5706% | 710 |
| Loan loss allowance to noncurrent loans | 61.1887% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.4753% | 2,318 |
| Noncurrent loans to loans | 4.2011% | 1,412 |
| Net loans and leases to total assets | 57.4046% | 6,036 |
| Net loans and leases to deposits | 81.1955% | 4,422 |
| Net loans and leases to core deposits | 91.4885% | 5,406 |
| Total domestic deposits to total assets | 70.6992% | 7,365 |
| Equity capital to assets | 18.3778% | 560 |
| Core capital (leverage) ratio | 8.7424% | 5,077 |
| Tier 1 risk-based capital ratio | 13.1878% | 4,057 |
| Total risk-based capital ratio | 14.4544% | 3,968 |
| Memoranda: | ||
| Average total assets | $89,143,000 | 5,516 |
| Average earning assets | $72,435,000 | 5,826 |
| Average equity | $16,407,000 | 3,863 |
| Average total loans | $54,373,000 | 5,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5370% | 2,773 |
| Cost of funding earning assets | 1.6882% | 7,287 |
| Net interest margin | 4.8488% | 710 |
| Noninterest income to average assets | 1.1516% | 1,162 |
| Noninterest expense to average assets | 3.2675% | 3,083 |
| Loan and lease loss provision to assets | 1.1594% | 1,252 |
| Net operating income to assets | 0.1480% | 5,985 |
| Return on assets (ROA) | 0.1480% | 5,810 |
| Pretax return on assets | 0.5539% | 4,844 |
| Return on Equity (ROE) | 0.7840% | 5,977 |
| Retained earnings to average equity (ytd only) | -6.9373% | 6,775 |
| Net charge-offs to loans | 0.6764% | 1,823 |
| Credit loss provision to net charge-offs | 270.6806% | 1,700 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 4,151 |
| Efficiency ratio | 60.4007% | 6,276 |
| Assets per employee ($millions) | 2.7674% | 6,646 |
| Cash dividends to net income (ytd only)* | 984.8485% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3497% | 798 |
| Loan loss allowance to noncurrent loans | 58.9847% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.5136% | 1,926 |
| Noncurrent loans to loans | 3.9836% | 1,237 |
| Net loans and leases to total assets | 61.6161% | 5,678 |
| Net loans and leases to deposits | 85.1702% | 4,231 |
| Net loans and leases to core deposits | 96.2720% | 5,230 |
| Total domestic deposits to total assets | 72.3447% | 6,937 |
| Equity capital to assets | 18.4331% | 607 |
| Core capital (leverage) ratio | 8.5727% | 5,441 |
| Tier 1 risk-based capital ratio | 12.2375% | 4,643 |
| Total risk-based capital ratio | 13.5018% | 4,517 |
| Memoranda: | ||
| Average total assets | $89,181,200 | 5,385 |
| Average earning assets | $70,429,400 | 5,804 |
| Average equity | $16,836,600 | 3,766 |
| Average total loans | $56,475,000 | 5,429 |