Home > The City State Bank of Palacios > Performance and Condition Ratios
The City State Bank of Palacios, Performance and Condition Ratios
| 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 | 4.0664% | 3,855 |
| Cost of funding earning assets | 0.2914% | 5,890 |
| Net interest margin | 3.7750% | 2,658 |
| Noninterest income to average assets | 0.3260% | 5,089 |
| Noninterest expense to average assets | 3.4809% | 1,646 |
| Loan and lease loss provision to assets | 0.1087% | 2,979 |
| Net operating income to assets | 0.0254% | 6,273 |
| Return on assets (ROA) | 0.3658% | 5,518 |
| Pretax return on assets | 0.3151% | 5,834 |
| Return on Equity (ROE) | 3.4792% | 5,435 |
| Retained earnings to average equity (ytd only) | -0.8267% | 6,015 |
| Net charge-offs to loans | 0.8021% | 784 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 0.2556% | 4,462 |
| Efficiency ratio | 97.6626% | 585 |
| Assets per employee ($millions) | 3.7166% | 4,375 |
| Cash dividends to net income (ytd only)* | 123.7624% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.2785% | 5,716 |
| Net loans and leases to deposits | 49.7925% | 5,860 |
| Net loans and leases to core deposits | 50.4025% | 6,004 |
| Total domestic deposits to total assets | 88.9260% | 1,672 |
| Equity capital to assets | 10.5608% | 3,224 |
| Core capital (leverage) ratio | 10.4173% | 2,969 |
| Tier 1 risk-based capital ratio | 25.0489% | 868 |
| Total risk-based capital ratio | 26.3020% | 855 |
| Memoranda: | ||
| Average total assets | $55,216,330 | 5,993 |
| Average earning assets | $47,364,330 | 6,062 |
| Average equity | $5,806,000 | 5,972 |
| Average total loans | $22,442,000 | 6,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 4,041 |
| Cost of funding earning assets | 0.3091% | 5,900 |
| Net interest margin | 3.7094% | 2,814 |
| Noninterest income to average assets | 0.2464% | 5,697 |
| Noninterest expense to average assets | 3.1263% | 2,593 |
| Loan and lease loss provision to assets | 0.1760% | 2,108 |
| Net operating income to assets | 0.0659% | 6,215 |
| Return on assets (ROA) | 0.6619% | 4,053 |
| Pretax return on assets | 0.7182% | 4,497 |
| Return on Equity (ROE) | 6.3071% | 3,878 |
| Retained earnings to average equity (ytd only) | 1.2748% | 5,343 |
| Net charge-offs to loans | -0.0364% | 5,985 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6931% | 927 |
| Assets per employee ($millions) | 3.9296% | 4,105 |
| Cash dividends to net income (ytd only)* | 79.7872% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.4918% | 6,036 |
| Net loans and leases to deposits | 44.6229% | 6,153 |
| Net loans and leases to core deposits | 45.1402% | 6,258 |
| Total domestic deposits to total assets | 88.5011% | 2,007 |
| Equity capital to assets | 10.7336% | 3,279 |
| Core capital (leverage) ratio | 10.1098% | 3,267 |
| Tier 1 risk-based capital ratio | 22.1442% | 1,305 |
| Total risk-based capital ratio | 23.3996% | 1,274 |
| Memoranda: | ||
| Average total assets | $56,808,500 | 6,003 |
| Average earning assets | $47,878,500 | 6,103 |
| Average equity | $5,961,500 | 5,998 |
| Average total loans | $21,990,000 | 6,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 4,620 |
| Cost of funding earning assets | 0.4079% | 5,860 |
| Net interest margin | 3.7846% | 3,291 |
| Noninterest income to average assets | 0.4480% | 4,259 |
| Noninterest expense to average assets | 3.0464% | 3,105 |
| Loan and lease loss provision to assets | -0.0767% | 6,903 |
| Net operating income to assets | 0.6823% | 3,823 |
| Return on assets (ROA) | 0.8977% | 3,067 |
| Pretax return on assets | 1.0601% | 3,321 |
| Return on Equity (ROE) | 8.5341% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.0920% | 1,526 |
| Net charge-offs to loans | 0.1492% | 4,197 |
| Credit loss provision to net charge-offs | -130.3030% | 6,352 |
| Earnings coverage of net charge-offs (x) | 12.3939% | 1,929 |
| Efficiency ratio | 80.6711% | 2,055 |
| Assets per employee ($millions) | 4.1859% | 3,577 |
| Cash dividends to net income (ytd only)* | 16.8986% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 3,008 |
| Loan loss allowance to noncurrent loans | 256.6434% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 5,598 |
| Noncurrent loans to loans | 0.6542% | 4,891 |
| Net loans and leases to total assets | 36.6756% | 6,393 |
| Net loans and leases to deposits | 41.3104% | 6,485 |
| Net loans and leases to core deposits | 42.1787% | 6,537 |
| Total domestic deposits to total assets | 88.7804% | 1,711 |
| Equity capital to assets | 10.2691% | 3,799 |
| Core capital (leverage) ratio | 9.8502% | 3,605 |
| Tier 1 risk-based capital ratio | 24.7475% | 880 |
| Total risk-based capital ratio | 26.0022% | 869 |
| Memoranda: | ||
| Average total assets | $56,032,600 | 6,024 |
| Average earning assets | $49,278,200 | 6,077 |
| Average equity | $5,894,000 | 6,050 |
| Average total loans | $22,116,000 | 6,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 4,633 |
| Cost of funding earning assets | 0.4288% | 5,939 |
| Net interest margin | 3.8245% | 3,230 |
| Noninterest income to average assets | 0.4285% | 4,422 |
| Noninterest expense to average assets | 3.0330% | 3,118 |
| Loan and lease loss provision to assets | -0.1035% | 7,040 |
| Net operating income to assets | 0.7139% | 3,856 |
| Return on assets (ROA) | 0.9749% | 2,856 |
| Pretax return on assets | 1.2469% | 2,799 |
| Return on Equity (ROE) | 9.2101% | 2,707 |
| Retained earnings to average equity (ytd only) | 9.2101% | 1,151 |
| Net charge-offs to loans | 0.1383% | 4,009 |
| Credit loss provision to net charge-offs | -186.9565% | 6,323 |
| Earnings coverage of net charge-offs (x) | 14.6068% | 1,824 |
| Efficiency ratio | 78.9474% | 2,244 |
| Assets per employee ($millions) | 3.7616% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,856 |
| Loan loss allowance to noncurrent loans | 1,639.1304% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 6,268 |
| Noncurrent loans to loans | 0.1087% | 6,343 |
| Net loans and leases to total assets | 36.8283% | 6,494 |
| Net loans and leases to deposits | 41.8260% | 6,603 |
| Net loans and leases to core deposits | 42.7907% | 6,641 |
| Total domestic deposits to total assets | 88.0512% | 2,016 |
| Equity capital to assets | 10.8624% | 3,430 |
| Core capital (leverage) ratio | 10.3286% | 3,128 |
| Tier 1 risk-based capital ratio | 24.2643% | 986 |
| Total risk-based capital ratio | 25.5188% | 967 |
| Memoranda: | ||
| Average total assets | $55,390,000 | 6,113 |
| Average earning assets | $49,434,500 | 6,141 |
| Average equity | $5,863,000 | 6,132 |
| Average total loans | $22,180,000 | 6,413 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 4,861 |
| Cost of funding earning assets | 0.4437% | 6,004 |
| Net interest margin | 3.7811% | 3,453 |
| Noninterest income to average assets | 0.4360% | 4,393 |
| Noninterest expense to average assets | 3.0593% | 3,051 |
| Loan and lease loss provision to assets | -0.2471% | 7,170 |
| Net operating income to assets | 0.8220% | 3,292 |
| Return on assets (ROA) | 1.0682% | 2,399 |
| Pretax return on assets | 1.3807% | 2,284 |
| Return on Equity (ROE) | 10.1830% | 2,282 |
| Retained earnings to average equity (ytd only) | 10.1830% | 925 |
| Net charge-offs to loans | -0.1154% | 6,883 |
| Credit loss provision to net charge-offs | 523.0769% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9869% | 2,327 |
| Assets per employee ($millions) | 3.2558% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,802 |
| Loan loss allowance to noncurrent loans | 1,686.9565% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,715 |
| Noncurrent loans to loans | 0.0917% | 6,434 |
| Net loans and leases to total assets | 47.4199% | 5,671 |
| Net loans and leases to deposits | 54.0928% | 5,858 |
| Net loans and leases to core deposits | 55.4491% | 5,984 |
| Total domestic deposits to total assets | 87.6641% | 2,359 |
| Equity capital to assets | 11.3914% | 2,700 |
| Core capital (leverage) ratio | 9.9660% | 3,466 |
| Tier 1 risk-based capital ratio | 25.0759% | 894 |
| Total risk-based capital ratio | 26.3394% | 876 |
| Memoranda: | ||
| Average total assets | $55,045,330 | 6,163 |
| Average earning assets | $50,039,000 | 6,156 |
| Average equity | $5,774,330 | 6,178 |
| Average total loans | $22,521,000 | 6,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 5,648 |
| Cost of funding earning assets | 0.4758% | 5,974 |
| Net interest margin | 3.5602% | 4,441 |
| Noninterest income to average assets | 0.4034% | 4,643 |
| Noninterest expense to average assets | 3.0360% | 3,130 |
| Loan and lease loss provision to assets | -0.5803% | 7,265 |
| Net operating income to assets | 0.8724% | 3,042 |
| Return on assets (ROA) | 1.0686% | 2,402 |
| Pretax return on assets | 1.3800% | 2,247 |
| Return on Equity (ROE) | 10.6067% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.6067% | 1,138 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7826% | 1,599 |
| Assets per employee ($millions) | 3.3127% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,690 |
| Loan loss allowance to noncurrent loans | 49.0463% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 3,954 |
| Noncurrent loans to loans | 3.2787% | 1,953 |
| Net loans and leases to total assets | 39.1132% | 6,419 |
| Net loans and leases to deposits | 43.9371% | 6,563 |
| Net loans and leases to core deposits | 45.2709% | 6,609 |
| Total domestic deposits to total assets | 89.0209% | 1,688 |
| Equity capital to assets | 10.2564% | 3,784 |
| Core capital (leverage) ratio | 9.6491% | 3,848 |
| Tier 1 risk-based capital ratio | 20.4025% | 1,615 |
| Total risk-based capital ratio | 21.6547% | 1,586 |
| Memoranda: | ||
| Average total assets | $56,522,000 | 6,166 |
| Average earning assets | $50,446,500 | 6,177 |
| Average equity | $5,694,500 | 6,227 |
| Average total loans | $21,236,500 | 6,544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 6,163 |
| Cost of funding earning assets | 0.6034% | 6,077 |
| Net interest margin | 3.5560% | 4,905 |
| Noninterest income to average assets | 0.3834% | 4,759 |
| Noninterest expense to average assets | 3.2329% | 2,757 |
| Loan and lease loss provision to assets | 0.0737% | 5,692 |
| Net operating income to assets | 0.2978% | 5,265 |
| Return on assets (ROA) | 0.5695% | 4,333 |
| Pretax return on assets | 0.6230% | 4,619 |
| Return on Equity (ROE) | 5.7171% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.2555% | 3,159 |
| Net charge-offs to loans | -0.0238% | 6,976 |
| Credit loss provision to net charge-offs | -800.0000% | 6,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0355% | 1,271 |
| Assets per employee ($millions) | 3.3369% | 5,407 |
| Cash dividends to net income (ytd only)* | 25.5663% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2005% | 1,800 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,174 |
| Noncurrent loans to loans | 0.9061% | 4,871 |
| Net loans and leases to total assets | 34.6284% | 6,841 |
| Net loans and leases to deposits | 38.7410% | 6,930 |
| Net loans and leases to core deposits | 40.0685% | 6,944 |
| Total domestic deposits to total assets | 89.3844% | 1,322 |
| Equity capital to assets | 9.8946% | 4,312 |
| Core capital (leverage) ratio | 9.1808% | 4,493 |
| Tier 1 risk-based capital ratio | 27.3552% | 680 |
| Total risk-based capital ratio | 28.6385% | 658 |
| Memoranda: | ||
| Average total assets | $54,254,800 | 6,222 |
| Average earning assets | $49,550,000 | 6,211 |
| Average equity | $5,404,800 | 6,325 |
| Average total loans | $21,016,000 | 6,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 6,106 |
| Cost of funding earning assets | 0.6322% | 6,121 |
| Net interest margin | 3.6096% | 4,729 |
| Noninterest income to average assets | 0.3555% | 5,014 |
| Noninterest expense to average assets | 3.2465% | 2,673 |
| Loan and lease loss provision to assets | 0.0895% | 5,339 |
| Net operating income to assets | 0.2972% | 5,402 |
| Return on assets (ROA) | 0.6538% | 4,018 |
| Pretax return on assets | 0.7457% | 4,327 |
| Return on Equity (ROE) | 6.5510% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.4513% | 2,264 |
| Net charge-offs to loans | -0.0502% | 7,054 |
| Credit loss provision to net charge-offs | -450.0000% | 6,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3029% | 1,318 |
| Assets per employee ($millions) | 3.4009% | 5,245 |
| Cash dividends to net income (ytd only)* | 1.5200% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2010% | 1,860 |
| Loan loss allowance to noncurrent loans | 184.1667% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,043 |
| Noncurrent loans to loans | 1.1951% | 4,542 |
| Net loans and leases to total assets | 33.9704% | 6,953 |
| Net loans and leases to deposits | 37.8821% | 7,040 |
| Net loans and leases to core deposits | 38.7560% | 7,071 |
| Total domestic deposits to total assets | 89.6740% | 1,055 |
| Equity capital to assets | 9.7068% | 4,771 |
| Core capital (leverage) ratio | 9.5151% | 4,127 |
| Tier 1 risk-based capital ratio | 27.1939% | 721 |
| Total risk-based capital ratio | 28.4579% | 708 |
| Memoranda: | ||
| Average total assets | $53,636,500 | 6,289 |
| Average earning assets | $49,349,250 | 6,270 |
| Average equity | $5,352,750 | 6,387 |
| Average total loans | $21,248,500 | 6,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 5,977 |
| Cost of funding earning assets | 0.6504% | 6,229 |
| Net interest margin | 3.6628% | 4,453 |
| Noninterest income to average assets | 0.3101% | 5,410 |
| Noninterest expense to average assets | 3.3803% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3233% | 5,276 |
| Return on assets (ROA) | 0.6163% | 4,108 |
| Pretax return on assets | 0.7197% | 4,318 |
| Return on Equity (ROE) | 6.1143% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.9624% | 2,458 |
| Net charge-offs to loans | -0.1571% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9185% | 1,244 |
| Assets per employee ($millions) | 3.1322% | 5,799 |
| Cash dividends to net income (ytd only)* | 2.4845% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,995 |
| Loan loss allowance to noncurrent loans | 175.8475% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 6,038 |
| Noncurrent loans to loans | 1.0228% | 4,946 |
| Net loans and leases to total assets | 42.5564% | 6,558 |
| Net loans and leases to deposits | 47.7918% | 6,737 |
| Net loans and leases to core deposits | 49.2727% | 6,796 |
| Total domestic deposits to total assets | 89.0454% | 1,507 |
| Equity capital to assets | 10.2165% | 3,861 |
| Core capital (leverage) ratio | 9.8360% | 3,472 |
| Tier 1 risk-based capital ratio | 26.9425% | 730 |
| Total risk-based capital ratio | 28.2037% | 715 |
| Memoranda: | ||
| Average total assets | $52,243,670 | 6,402 |
| Average earning assets | $49,198,000 | 6,333 |
| Average equity | $5,266,330 | 6,444 |
| Average total loans | $21,637,330 | 6,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 6,292 |
| Cost of funding earning assets | 0.6799% | 6,249 |
| Net interest margin | 3.5144% | 4,942 |
| Noninterest income to average assets | 0.4638% | 4,160 |
| Noninterest expense to average assets | 3.3938% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3865% | 5,010 |
| Return on assets (ROA) | 0.3865% | 5,097 |
| Pretax return on assets | 0.3865% | 5,383 |
| Return on Equity (ROE) | 3.8614% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.8614% | 3,854 |
| Net charge-offs to loans | -0.2677% | 7,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7751% | 1,353 |
| Assets per employee ($millions) | 3.0982% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 2,691 |
| Loan loss allowance to noncurrent loans | 190.7407% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 4,328 |
| Noncurrent loans to loans | 0.9958% | 5,053 |
| Net loans and leases to total assets | 40.4033% | 6,750 |
| Net loans and leases to deposits | 45.1939% | 6,901 |
| Net loans and leases to core deposits | 46.6033% | 6,947 |
| Total domestic deposits to total assets | 89.3998% | 1,533 |
| Equity capital to assets | 10.0097% | 3,759 |
| Core capital (leverage) ratio | 9.9610% | 3,191 |
| Tier 1 risk-based capital ratio | 26.8271% | 723 |
| Total risk-based capital ratio | 28.1361% | 701 |
| Memoranda: | ||
| Average total assets | $51,742,000 | 6,469 |
| Average earning assets | $48,827,500 | 6,387 |
| Average equity | $5,179,500 | 6,493 |
| Average total loans | $20,918,500 | 6,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 5,907 |
| Cost of funding earning assets | 0.8652% | 6,320 |
| Net interest margin | 3.8007% | 3,943 |
| Noninterest income to average assets | 0.5341% | 3,928 |
| Noninterest expense to average assets | 3.5342% | 2,085 |
| Loan and lease loss provision to assets | 0.2796% | 4,573 |
| Net operating income to assets | 0.2172% | 5,224 |
| Return on assets (ROA) | 0.4465% | 4,495 |
| Pretax return on assets | 0.4527% | 4,784 |
| Return on Equity (ROE) | 4.1457% | 4,457 |
| Retained earnings to average equity (ytd only) | 2.9446% | 3,800 |
| Net charge-offs to loans | 0.4201% | 3,938 |
| Credit loss provision to net charge-offs | 145.6522% | 2,532 |
| Earnings coverage of net charge-offs (x) | 2.6087% | 3,794 |
| Efficiency ratio | 87.5905% | 1,513 |
| Assets per employee ($millions) | 2.9891% | 6,123 |
| Cash dividends to net income (ytd only)* | 28.9720% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 2,365 |
| Loan loss allowance to noncurrent loans | 39.4450% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 2.9283% | 2,396 |
| Noncurrent loans to loans | 5.0087% | 1,338 |
| Net loans and leases to total assets | 38.8606% | 7,030 |
| Net loans and leases to deposits | 43.4325% | 7,141 |
| Net loans and leases to core deposits | 46.1508% | 7,136 |
| Total domestic deposits to total assets | 89.4736% | 1,396 |
| Equity capital to assets | 10.0108% | 3,732 |
| Core capital (leverage) ratio | 9.8973% | 3,212 |
| Tier 1 risk-based capital ratio | 25.1102% | 833 |
| Total risk-based capital ratio | 26.3675% | 816 |
| Memoranda: | ||
| Average total assets | $47,932,200 | 6,605 |
| Average earning assets | $44,149,600 | 6,575 |
| Average equity | $5,162,000 | 6,613 |
| Average total loans | $21,898,800 | 6,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 5,692 |
| Cost of funding earning assets | 0.8859% | 6,452 |
| Net interest margin | 3.9076% | 3,502 |
| Noninterest income to average assets | 0.5309% | 3,934 |
| Noninterest expense to average assets | 3.5471% | 1,916 |
| Loan and lease loss provision to assets | 0.3784% | 3,619 |
| Net operating income to assets | 0.1735% | 5,580 |
| Return on assets (ROA) | 0.4744% | 4,618 |
| Pretax return on assets | 0.4942% | 4,944 |
| Return on Equity (ROE) | 4.3235% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,454 |
| Net charge-offs to loans | 0.5432% | 3,127 |
| Credit loss provision to net charge-offs | 147.2527% | 2,664 |
| Earnings coverage of net charge-offs (x) | 2.1758% | 4,093 |
| Efficiency ratio | 86.3824% | 1,592 |
| Assets per employee ($millions) | 2.8877% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 2,849 |
| Loan loss allowance to noncurrent loans | 39.3880% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.0393% | 2,385 |
| Noncurrent loans to loans | 4.5191% | 1,599 |
| Net loans and leases to total assets | 44.8494% | 6,783 |
| Net loans and leases to deposits | 50.7760% | 6,960 |
| Net loans and leases to core deposits | 55.4962% | 6,887 |
| Total domestic deposits to total assets | 88.3278% | 1,778 |
| Equity capital to assets | 10.8655% | 3,093 |
| Core capital (leverage) ratio | 10.5877% | 2,605 |
| Tier 1 risk-based capital ratio | 23.1226% | 1,049 |
| Total risk-based capital ratio | 24.3504% | 1,021 |
| Memoranda: | ||
| Average total assets | $47,211,500 | 6,712 |
| Average earning assets | $43,196,750 | 6,689 |
| Average equity | $5,180,750 | 6,685 |
| Average total loans | $22,337,250 | 6,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 5,776 |
| Cost of funding earning assets | 0.8942% | 6,606 |
| Net interest margin | 3.9125% | 3,389 |
| Noninterest income to average assets | 0.4980% | 4,134 |
| Noninterest expense to average assets | 3.5634% | 1,874 |
| Loan and lease loss provision to assets | 0.4465% | 3,089 |
| Net operating income to assets | 0.0386% | 6,014 |
| Return on assets (ROA) | 0.2962% | 5,346 |
| Pretax return on assets | 0.2962% | 5,508 |
| Return on Equity (ROE) | 2.6902% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.6902% | 4,431 |
| Net charge-offs to loans | 0.5737% | 2,815 |
| Credit loss provision to net charge-offs | 162.5000% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.7656% | 4,198 |
| Efficiency ratio | 88.0170% | 1,504 |
| Assets per employee ($millions) | 2.7818% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,127 |
| Loan loss allowance to noncurrent loans | 26.4000% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 3.2776% | 2,147 |
| Noncurrent loans to loans | 6.3914% | 951 |
| Net loans and leases to total assets | 48.7894% | 6,564 |
| Net loans and leases to deposits | 55.2686% | 6,778 |
| Net loans and leases to core deposits | 57.4942% | 6,861 |
| Total domestic deposits to total assets | 88.2768% | 1,836 |
| Equity capital to assets | 10.9302% | 2,937 |
| Core capital (leverage) ratio | 10.5968% | 2,546 |
| Tier 1 risk-based capital ratio | 22.3629% | 1,147 |
| Total risk-based capital ratio | 23.6196% | 1,124 |
| Memoranda: | ||
| Average total assets | $46,585,000 | 6,772 |
| Average earning assets | $42,274,330 | 6,766 |
| Average equity | $5,129,670 | 6,740 |
| Average total loans | $22,311,000 | 6,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,827 |
| Cost of funding earning assets | 0.9130% | 6,719 |
| Net interest margin | 4.1281% | 2,328 |
| Noninterest income to average assets | 0.5105% | 3,970 |
| Noninterest expense to average assets | 3.5560% | 1,828 |
| Loan and lease loss provision to assets | 0.5105% | 2,454 |
| Net operating income to assets | 0.1073% | 6,003 |
| Return on assets (ROA) | 0.4153% | 4,915 |
| Pretax return on assets | 0.4672% | 5,067 |
| Return on Equity (ROE) | 3.7573% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.7573% | 3,897 |
| Net charge-offs to loans | 0.4602% | 2,667 |
| Credit loss provision to net charge-offs | 236.0000% | 1,624 |
| Earnings coverage of net charge-offs (x) | 2.9200% | 3,089 |
| Efficiency ratio | 84.9174% | 1,918 |
| Assets per employee ($millions) | 2.6928% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,843 |
| Loan loss allowance to noncurrent loans | 168.1034% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 6,228 |
| Noncurrent loans to loans | 1.0499% | 5,243 |
| Net loans and leases to total assets | 47.4202% | 6,723 |
| Net loans and leases to deposits | 53.8446% | 6,924 |
| Net loans and leases to core deposits | 53.8446% | 7,112 |
| Total domestic deposits to total assets | 88.0685% | 2,021 |
| Equity capital to assets | 11.2084% | 2,582 |
| Core capital (leverage) ratio | 10.7230% | 2,439 |
| Tier 1 risk-based capital ratio | 23.5478% | 1,007 |
| Total risk-based capital ratio | 24.8045% | 981 |
| Memoranda: | ||
| Average total assets | $46,232,000 | 6,869 |
| Average earning assets | $41,181,500 | 6,892 |
| Average equity | $5,110,000 | 6,815 |
| Average total loans | $21,732,000 | 7,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 4,620 |
| Cost of funding earning assets | 1.0722% | 7,050 |
| Net interest margin | 4.3435% | 1,593 |
| Noninterest income to average assets | 0.5498% | 4,025 |
| Noninterest expense to average assets | 3.7050% | 1,905 |
| Loan and lease loss provision to assets | 0.3927% | 4,440 |
| Net operating income to assets | 0.3462% | 4,340 |
| Return on assets (ROA) | 0.5341% | 3,689 |
| Pretax return on assets | 0.5857% | 3,946 |
| Return on Equity (ROE) | 4.7864% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.1574% | 2,948 |
| Net charge-offs to loans | 0.6215% | 3,347 |
| Credit loss provision to net charge-offs | 119.8630% | 4,472 |
| Earnings coverage of net charge-offs (x) | 2.3562% | 3,961 |
| Efficiency ratio | 82.7569% | 2,510 |
| Assets per employee ($millions) | 2.7462% | 6,762 |
| Cash dividends to net income (ytd only)* | 34.0336% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,024 |
| Loan loss allowance to noncurrent loans | 35,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,538 |
| Noncurrent loans to loans | 0.0047% | 7,438 |
| Net loans and leases to total assets | 45.0028% | 7,056 |
| Net loans and leases to deposits | 51.3943% | 7,181 |
| Net loans and leases to core deposits | 62.3757% | 7,178 |
| Total domestic deposits to total assets | 87.5637% | 2,193 |
| Equity capital to assets | 10.9005% | 2,774 |
| Core capital (leverage) ratio | 10.6021% | 2,501 |
| Tier 1 risk-based capital ratio | 25.3151% | 817 |
| Total risk-based capital ratio | 26.5705% | 798 |
| Memoranda: | ||
| Average total assets | $44,561,200 | 6,929 |
| Average earning assets | $40,289,800 | 6,931 |
| Average equity | $4,972,400 | 6,949 |
| Average total loans | $23,491,600 | 7,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 4,545 |
| Cost of funding earning assets | 1.1031% | 7,170 |
| Net interest margin | 4.3725% | 1,520 |
| Noninterest income to average assets | 0.5602% | 4,010 |
| Noninterest expense to average assets | 3.7913% | 1,607 |
| Loan and lease loss provision to assets | 0.4845% | 3,478 |
| Net operating income to assets | 0.2595% | 4,951 |
| Return on assets (ROA) | 0.5269% | 3,966 |
| Pretax return on assets | 0.5481% | 4,366 |
| Return on Equity (ROE) | 4.6931% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.4774% | 2,772 |
| Net charge-offs to loans | 0.8325% | 2,298 |
| Credit loss provision to net charge-offs | 106.6667% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.6600% | 4,547 |
| Efficiency ratio | 83.4111% | 2,367 |
| Assets per employee ($millions) | 2.6424% | 6,960 |
| Cash dividends to net income (ytd only)* | 4.5993% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,853 |
| Loan loss allowance to noncurrent loans | 34.7065% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 3.2123% | 2,111 |
| Noncurrent loans to loans | 4.0846% | 1,793 |
| Net loans and leases to total assets | 52.1694% | 6,584 |
| Net loans and leases to deposits | 60.1932% | 6,819 |
| Net loans and leases to core deposits | 72.9858% | 6,782 |
| Total domestic deposits to total assets | 86.6699% | 2,345 |
| Equity capital to assets | 11.4512% | 2,633 |
| Core capital (leverage) ratio | 11.3035% | 2,186 |
| Tier 1 risk-based capital ratio | 22.3759% | 1,179 |
| Total risk-based capital ratio | 23.6305% | 1,160 |
| Memoranda: | ||
| Average total assets | $44,030,000 | 6,998 |
| Average earning assets | $40,128,500 | 6,996 |
| Average equity | $4,943,250 | 7,022 |
| Average total loans | $24,023,000 | 7,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 4,252 |
| Cost of funding earning assets | 1.1863% | 7,145 |
| Net interest margin | 4.3783% | 1,458 |
| Noninterest income to average assets | 0.5122% | 4,337 |
| Noninterest expense to average assets | 3.8827% | 1,514 |
| Loan and lease loss provision to assets | 0.5031% | 3,019 |
| Net operating income to assets | 0.1646% | 5,374 |
| Return on assets (ROA) | 0.3659% | 4,732 |
| Pretax return on assets | 0.3110% | 5,187 |
| Return on Equity (ROE) | 3.2812% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.9530% | 3,681 |
| Net charge-offs to loans | 1.2942% | 1,430 |
| Credit loss provision to net charge-offs | 70.5128% | 5,408 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 4,893 |
| Efficiency ratio | 86.3683% | 2,191 |
| Assets per employee ($millions) | 2.5484% | 7,148 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,008 |
| Loan loss allowance to noncurrent loans | 28.9691% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.3170% | 1,877 |
| Noncurrent loans to loans | 4.1128% | 1,618 |
| Net loans and leases to total assets | 53.7925% | 6,482 |
| Net loans and leases to deposits | 61.8373% | 6,739 |
| Net loans and leases to core deposits | 74.6110% | 6,756 |
| Total domestic deposits to total assets | 86.9904% | 2,263 |
| Equity capital to assets | 11.3107% | 2,672 |
| Core capital (leverage) ratio | 10.9278% | 2,459 |
| Tier 1 risk-based capital ratio | 21.1977% | 1,365 |
| Total risk-based capital ratio | 22.4452% | 1,331 |
| Memoranda: | ||
| Average total assets | $43,733,000 | 7,065 |
| Average earning assets | $39,787,000 | 7,065 |
| Average equity | $4,876,330 | 7,110 |
| Average total loans | $24,106,670 | 7,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6495% | 4,053 |
| Cost of funding earning assets | 1.2776% | 7,090 |
| Net interest margin | 4.3719% | 1,417 |
| Noninterest income to average assets | 0.5007% | 4,316 |
| Noninterest expense to average assets | 4.0056% | 1,182 |
| Loan and lease loss provision to assets | 0.3186% | 3,424 |
| Net operating income to assets | 0.1442% | 5,838 |
| Return on assets (ROA) | 0.5007% | 4,609 |
| Pretax return on assets | 0.5644% | 4,865 |
| Return on Equity (ROE) | 4.5226% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.5226% | 3,415 |
| Net charge-offs to loans | 0.5745% | 2,027 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 3,976 |
| Efficiency ratio | 89.2495% | 1,784 |
| Assets per employee ($millions) | 2.6029% | 7,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 3,695 |
| Loan loss allowance to noncurrent loans | 14.7830% | 7,404 |
| Noncurrent assets plus other real estate owned to assets | 6.2712% | 611 |
| Noncurrent loans to loans | 9.2533% | 337 |
| Net loans and leases to total assets | 53.2836% | 6,554 |
| Net loans and leases to deposits | 60.9109% | 6,821 |
| Net loans and leases to core deposits | 73.6651% | 6,823 |
| Total domestic deposits to total assets | 87.4780% | 1,978 |
| Equity capital to assets | 11.0938% | 2,891 |
| Core capital (leverage) ratio | 10.7632% | 2,686 |
| Tier 1 risk-based capital ratio | 20.1627% | 1,594 |
| Total risk-based capital ratio | 21.4128% | 1,549 |
| Memoranda: | ||
| Average total assets | $43,938,500 | 7,104 |
| Average earning assets | $40,074,000 | 7,095 |
| Average equity | $4,864,500 | 7,167 |
| Average total loans | $24,367,500 | 7,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0573% | 5,265 |
| Cost of funding earning assets | 1.7352% | 7,174 |
| Net interest margin | 4.3221% | 1,911 |
| Noninterest income to average assets | 1.1127% | 1,263 |
| Noninterest expense to average assets | 4.4301% | 924 |
| Loan and lease loss provision to assets | 0.4464% | 3,059 |
| Net operating income to assets | 0.2679% | 5,654 |
| Return on assets (ROA) | 0.2816% | 5,415 |
| Pretax return on assets | 0.2816% | 5,546 |
| Return on Equity (ROE) | 2.6055% | 5,381 |
| Retained earnings to average equity (ytd only) | 0.7626% | 4,769 |
| Net charge-offs to loans | 1.0383% | 1,186 |
| Credit loss provision to net charge-offs | 72.7612% | 6,035 |
| Earnings coverage of net charge-offs (x) | 1.1642% | 5,544 |
| Efficiency ratio | 86.1148% | 1,843 |
| Assets per employee ($millions) | 2.5663% | 7,073 |
| Cash dividends to net income (ytd only)* | 70.7317% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,665 |
| Loan loss allowance to noncurrent loans | 14.7099% | 7,404 |
| Noncurrent assets plus other real estate owned to assets | 6.3860% | 442 |
| Noncurrent loans to loans | 8.9529% | 270 |
| Net loans and leases to total assets | 56.1648% | 6,416 |
| Net loans and leases to deposits | 64.1961% | 6,776 |
| Net loans and leases to core deposits | 77.3282% | 6,781 |
| Total domestic deposits to total assets | 87.4894% | 1,710 |
| Equity capital to assets | 11.0482% | 3,007 |
| Core capital (leverage) ratio | 10.4718% | 2,998 |
| Tier 1 risk-based capital ratio | 21.9244% | 1,324 |
| Total risk-based capital ratio | 23.1784% | 1,291 |
| Memoranda: | ||
| Average total assets | $43,678,800 | 7,044 |
| Average earning assets | $40,744,200 | 7,011 |
| Average equity | $4,720,800 | 7,246 |
| Average total loans | $25,812,600 | 6,983 |