Home > The Colorado State Bank of Walsh > Performance and Condition Ratios
The Colorado State Bank of Walsh, 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 | 3.4608% | 5,766 |
| Cost of funding earning assets | 0.3569% | 5,229 |
| Net interest margin | 3.1040% | 5,309 |
| Noninterest income to average assets | 0.1082% | 6,460 |
| Noninterest expense to average assets | 2.3620% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5680% | 4,486 |
| Return on assets (ROA) | 0.5680% | 4,636 |
| Pretax return on assets | 0.5169% | 5,304 |
| Return on Equity (ROE) | 3.9696% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.0794% | 5,081 |
| Net charge-offs to loans | -0.1223% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0459% | 1,819 |
| Assets per employee ($millions) | 6.2843% | 1,053 |
| Cash dividends to net income (ytd only)* | 47.6209% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 31.6572% | 6,470 |
| Net loans and leases to deposits | 36.9714% | 6,474 |
| Net loans and leases to core deposits | 37.9693% | 6,506 |
| Total domestic deposits to total assets | 85.6263% | 3,440 |
| Equity capital to assets | 14.2692% | 888 |
| Core capital (leverage) ratio | 13.9639% | 878 |
| Tier 1 risk-based capital ratio | 31.6812% | 448 |
| Total risk-based capital ratio | 32.9306% | 443 |
| Memoranda: | ||
| Average total assets | $44,367,500 | 6,239 |
| Average earning assets | $39,604,000 | 6,247 |
| Average equity | $6,348,000 | 5,796 |
| Average total loans | $15,260,500 | 6,470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 5,482 |
| Cost of funding earning assets | 0.4457% | 4,476 |
| Net interest margin | 3.1400% | 5,157 |
| Noninterest income to average assets | 0.1079% | 6,502 |
| Noninterest expense to average assets | 1.9464% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8046% | 3,273 |
| Return on assets (ROA) | 0.8046% | 3,427 |
| Pretax return on assets | 0.9799% | 3,604 |
| Return on Equity (ROE) | 5.6186% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.7353% | 3,926 |
| Net charge-offs to loans | -0.0896% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5131% | 4,446 |
| Assets per employee ($millions) | 4.1318% | 3,514 |
| Cash dividends to net income (ytd only)* | 33.5196% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 2,982 |
| 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 | 32.6909% | 6,477 |
| Net loans and leases to deposits | 37.9592% | 6,485 |
| Net loans and leases to core deposits | 38.9432% | 6,510 |
| Total domestic deposits to total assets | 86.1210% | 3,301 |
| Equity capital to assets | 13.7888% | 1,025 |
| Core capital (leverage) ratio | 13.8663% | 858 |
| Tier 1 risk-based capital ratio | 27.2175% | 676 |
| Total risk-based capital ratio | 28.3356% | 676 |
| Memoranda: | ||
| Average total assets | $44,493,330 | 6,276 |
| Average earning assets | $39,936,000 | 6,284 |
| Average equity | $6,371,670 | 5,832 |
| Average total loans | $15,619,670 | 6,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 5,839 |
| Cost of funding earning assets | 0.3775% | 5,307 |
| Net interest margin | 3.0695% | 5,367 |
| Noninterest income to average assets | 0.1181% | 6,510 |
| Noninterest expense to average assets | 2.0266% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7452% | 3,458 |
| Return on assets (ROA) | 0.7452% | 3,595 |
| Pretax return on assets | 0.8997% | 3,764 |
| Return on Equity (ROE) | 5.1059% | 4,516 |
| Retained earnings to average equity (ytd only) | 3.2379% | 4,309 |
| Net charge-offs to loans | -0.1008% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2547% | 4,100 |
| Assets per employee ($millions) | 3.9632% | 4,032 |
| Cash dividends to net income (ytd only)* | 36.5854% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,544 |
| 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 | 35.4834% | 6,336 |
| Net loans and leases to deposits | 41.7551% | 6,332 |
| Net loans and leases to core deposits | 42.8991% | 6,372 |
| Total domestic deposits to total assets | 84.9799% | 4,049 |
| Equity capital to assets | 14.7012% | 825 |
| Core capital (leverage) ratio | 13.6185% | 903 |
| Tier 1 risk-based capital ratio | 28.3890% | 619 |
| Total risk-based capital ratio | 29.5543% | 615 |
| Memoranda: | ||
| Average total assets | $44,015,000 | 6,348 |
| Average earning assets | $40,266,500 | 6,329 |
| Average equity | $6,424,000 | 5,880 |
| Average total loans | $15,876,000 | 6,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,970 |
| Cost of funding earning assets | 0.5294% | 4,999 |
| Net interest margin | 3.2099% | 5,545 |
| Noninterest income to average assets | 0.1050% | 6,483 |
| Noninterest expense to average assets | 1.9726% | 6,383 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8059% | 3,258 |
| Return on assets (ROA) | 0.8059% | 3,509 |
| Pretax return on assets | 0.9840% | 3,601 |
| Return on Equity (ROE) | 5.5691% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.6759% | 3,635 |
| Net charge-offs to loans | -0.0064% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7181% | 4,374 |
| Assets per employee ($millions) | 4.0395% | 3,868 |
| Cash dividends to net income (ytd only)* | 33.9943% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,494 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 35.5463% | 6,462 |
| Net loans and leases to deposits | 41.7868% | 6,473 |
| Net loans and leases to core deposits | 43.2219% | 6,497 |
| Total domestic deposits to total assets | 85.0658% | 3,834 |
| Equity capital to assets | 14.4908% | 878 |
| Core capital (leverage) ratio | 13.3723% | 993 |
| Tier 1 risk-based capital ratio | 27.2360% | 672 |
| Total risk-based capital ratio | 28.3455% | 671 |
| Memoranda: | ||
| Average total assets | $43,799,600 | 6,378 |
| Average earning assets | $38,910,800 | 6,398 |
| Average equity | $6,338,600 | 5,933 |
| Average total loans | $15,604,000 | 6,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 6,072 |
| Cost of funding earning assets | 0.5502% | 5,086 |
| Net interest margin | 3.2284% | 5,623 |
| Noninterest income to average assets | 0.1100% | 6,587 |
| Noninterest expense to average assets | 1.9339% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8341% | 3,290 |
| Return on assets (ROA) | 0.8341% | 3,533 |
| Pretax return on assets | 1.0265% | 3,614 |
| Return on Equity (ROE) | 5.7653% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.8646% | 4,171 |
| Net charge-offs to loans | -0.0086% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3251% | 4,571 |
| Assets per employee ($millions) | 4.0815% | 3,716 |
| Cash dividends to net income (ytd only)* | 32.9679% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 6,621 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 33.6155% | 6,675 |
| Net loans and leases to deposits | 39.4541% | 6,698 |
| Net loans and leases to core deposits | 40.7903% | 6,713 |
| Total domestic deposits to total assets | 85.2014% | 3,663 |
| Equity capital to assets | 14.3109% | 1,036 |
| Core capital (leverage) ratio | 13.7453% | 925 |
| Tier 1 risk-based capital ratio | 27.1627% | 729 |
| Total risk-based capital ratio | 28.2784% | 724 |
| Memoranda: | ||
| Average total assets | $43,640,750 | 6,457 |
| Average earning assets | $38,532,250 | 6,487 |
| Average equity | $6,313,500 | 6,004 |
| Average total loans | $15,495,750 | 6,716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 6,136 |
| Cost of funding earning assets | 0.5753% | 5,114 |
| Net interest margin | 3.2271% | 5,655 |
| Noninterest income to average assets | 0.1111% | 6,626 |
| Noninterest expense to average assets | 1.8509% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8931% | 2,946 |
| Return on assets (ROA) | 0.8931% | 3,206 |
| Pretax return on assets | 1.1152% | 3,251 |
| Return on Equity (ROE) | 6.1501% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.2381% | 3,790 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4025% | 5,182 |
| Assets per employee ($millions) | 3.8740% | 4,138 |
| Cash dividends to net income (ytd only)* | 31.0881% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 37.0606% | 6,543 |
| Net loans and leases to deposits | 43.8305% | 6,563 |
| Net loans and leases to core deposits | 45.4057% | 6,599 |
| Total domestic deposits to total assets | 84.5544% | 4,078 |
| Equity capital to assets | 14.8918% | 815 |
| Core capital (leverage) ratio | 13.7749% | 876 |
| Tier 1 risk-based capital ratio | 26.8084% | 743 |
| Total risk-based capital ratio | 27.9144% | 745 |
| Memoranda: | ||
| Average total assets | $43,222,330 | 6,504 |
| Average earning assets | $38,238,330 | 6,545 |
| Average equity | $6,276,330 | 6,045 |
| Average total loans | $15,549,670 | 6,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 6,449 |
| Cost of funding earning assets | 0.5984% | 5,148 |
| Net interest margin | 3.0951% | 6,060 |
| Noninterest income to average assets | 0.1195% | 6,655 |
| Noninterest expense to average assets | 1.7369% | 6,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9006% | 2,910 |
| Return on assets (ROA) | 0.9006% | 3,137 |
| Pretax return on assets | 1.1395% | 3,166 |
| Return on Equity (ROE) | 6.2805% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.3579% | 3,979 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3834% | 5,563 |
| Assets per employee ($millions) | 4.4412% | 3,100 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.3606% | 6,810 |
| Net loans and leases to deposits | 37.8928% | 6,821 |
| Net loans and leases to core deposits | 39.1810% | 6,842 |
| Total domestic deposits to total assets | 85.4003% | 3,836 |
| Equity capital to assets | 14.0818% | 998 |
| Core capital (leverage) ratio | 13.5024% | 952 |
| Tier 1 risk-based capital ratio | 27.0030% | 733 |
| Total risk-based capital ratio | 28.1293% | 731 |
| Memoranda: | ||
| Average total assets | $43,526,500 | 6,544 |
| Average earning assets | $38,771,000 | 6,572 |
| Average equity | $6,241,500 | 6,085 |
| Average total loans | $15,307,500 | 6,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 5,077 |
| Cost of funding earning assets | 0.8773% | 4,273 |
| Net interest margin | 3.6218% | 4,646 |
| Noninterest income to average assets | 0.1083% | 6,604 |
| Noninterest expense to average assets | 2.1144% | 6,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9551% | 2,385 |
| Return on assets (ROA) | 0.9551% | 2,518 |
| Pretax return on assets | 1.2357% | 2,340 |
| Return on Equity (ROE) | 6.4863% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.5304% | 2,947 |
| Net charge-offs to loans | -0.0059% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1154% | 5,278 |
| Assets per employee ($millions) | 3.8765% | 4,143 |
| Cash dividends to net income (ytd only)* | 30.1546% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.9621% | 6,706 |
| Net loans and leases to deposits | 43.6001% | 6,741 |
| Net loans and leases to core deposits | 45.4810% | 6,751 |
| Total domestic deposits to total assets | 84.7752% | 3,974 |
| Equity capital to assets | 14.6080% | 872 |
| Core capital (leverage) ratio | 13.3187% | 1,036 |
| Tier 1 risk-based capital ratio | 25.9492% | 784 |
| Total risk-based capital ratio | 27.0397% | 783 |
| Memoranda: | ||
| Average total assets | $40,625,800 | 6,653 |
| Average earning assets | $36,362,800 | 6,664 |
| Average equity | $5,981,800 | 6,165 |
| Average total loans | $16,922,400 | 6,806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 4,934 |
| Cost of funding earning assets | 0.9098% | 4,333 |
| Net interest margin | 3.6724% | 4,456 |
| Noninterest income to average assets | 0.1130% | 6,693 |
| Noninterest expense to average assets | 2.1733% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9571% | 2,499 |
| Return on assets (ROA) | 0.9571% | 2,668 |
| Pretax return on assets | 1.2395% | 2,488 |
| Return on Equity (ROE) | 6.4863% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.5269% | 3,497 |
| Net charge-offs to loans | -0.0078% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6806% | 5,126 |
| Assets per employee ($millions) | 4.0398% | 3,760 |
| Cash dividends to net income (ytd only)* | 30.2091% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 4,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.9896% | 6,630 |
| Net loans and leases to deposits | 47.5707% | 6,644 |
| Net loans and leases to core deposits | 49.7521% | 6,679 |
| Total domestic deposits to total assets | 84.0636% | 4,198 |
| Equity capital to assets | 15.2706% | 779 |
| Core capital (leverage) ratio | 14.1513% | 862 |
| Tier 1 risk-based capital ratio | 25.9693% | 841 |
| Total risk-based capital ratio | 27.0739% | 829 |
| Memoranda: | ||
| Average total assets | $40,122,000 | 6,725 |
| Average earning assets | $36,051,750 | 6,735 |
| Average equity | $5,920,000 | 6,219 |
| Average total loans | $17,152,500 | 6,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 4,829 |
| Cost of funding earning assets | 0.9376% | 4,406 |
| Net interest margin | 3.6954% | 4,285 |
| Noninterest income to average assets | 0.1199% | 6,729 |
| Noninterest expense to average assets | 2.2233% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9593% | 2,397 |
| Return on assets (ROA) | 0.9593% | 2,500 |
| Pretax return on assets | 1.2441% | 2,330 |
| Return on Equity (ROE) | 6.5787% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.5229% | 3,311 |
| Net charge-offs to loans | -0.0115% | 6,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1210% | 5,214 |
| Assets per employee ($millions) | 4.1507% | 3,451 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.8699% | 6,532 |
| Net loans and leases to deposits | 50.4294% | 6,569 |
| Net loans and leases to core deposits | 52.2554% | 6,649 |
| Total domestic deposits to total assets | 85.0098% | 3,875 |
| Equity capital to assets | 14.4458% | 956 |
| Core capital (leverage) ratio | 13.8259% | 917 |
| Tier 1 risk-based capital ratio | 23.6780% | 1,040 |
| Total risk-based capital ratio | 24.6973% | 1,050 |
| Memoranda: | ||
| Average total assets | $40,030,000 | 6,786 |
| Average earning assets | $36,261,000 | 6,788 |
| Average equity | $5,837,000 | 6,276 |
| Average total loans | $17,404,670 | 6,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 5,430 |
| Cost of funding earning assets | 0.9760% | 4,387 |
| Net interest margin | 3.4982% | 5,018 |
| Noninterest income to average assets | 0.1323% | 6,752 |
| Noninterest expense to average assets | 2.2397% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8959% | 2,583 |
| Return on assets (ROA) | 0.8959% | 2,643 |
| Pretax return on assets | 1.1402% | 2,605 |
| Return on Equity (ROE) | 6.1138% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.0295% | 3,748 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2651% | 4,993 |
| Assets per employee ($millions) | 4.0255% | 3,789 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.7091% | 6,651 |
| Net loans and leases to deposits | 48.9048% | 6,696 |
| Net loans and leases to core deposits | 50.3373% | 6,759 |
| Total domestic deposits to total assets | 85.2863% | 3,894 |
| Equity capital to assets | 14.3535% | 918 |
| Core capital (leverage) ratio | 13.9841% | 854 |
| Tier 1 risk-based capital ratio | 24.9235% | 882 |
| Total risk-based capital ratio | 26.0106% | 883 |
| Memoranda: | ||
| Average total assets | $39,291,500 | 6,856 |
| Average earning assets | $36,475,500 | 6,829 |
| Average equity | $5,757,500 | 6,321 |
| Average total loans | $17,089,500 | 6,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 3,872 |
| Cost of funding earning assets | 1.4068% | 3,216 |
| Net interest margin | 3.7399% | 4,179 |
| Noninterest income to average assets | 0.1123% | 6,839 |
| Noninterest expense to average assets | 2.3533% | 6,211 |
| Loan and lease loss provision to assets | -0.0052% | 7,569 |
| Net operating income to assets | 0.8724% | 2,494 |
| Return on assets (ROA) | 0.8724% | 2,635 |
| Pretax return on assets | 1.1179% | 2,513 |
| Return on Equity (ROE) | 5.8089% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,260 |
| Net charge-offs to loans | -0.0622% | 7,466 |
| Credit loss provision to net charge-offs | 18.1818% | 6,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8975% | 4,585 |
| Assets per employee ($millions) | 3.4844% | 4,969 |
| Cash dividends to net income (ytd only)* | 35.9281% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.1166% | 6,701 |
| Net loans and leases to deposits | 52.1287% | 6,738 |
| Net loans and leases to core deposits | 54.7837% | 6,765 |
| Total domestic deposits to total assets | 84.6300% | 4,042 |
| Equity capital to assets | 14.9682% | 797 |
| Core capital (leverage) ratio | 14.3707% | 773 |
| Tier 1 risk-based capital ratio | 24.7375% | 869 |
| Total risk-based capital ratio | 25.8277% | 870 |
| Memoranda: | ||
| Average total assets | $38,286,000 | 6,922 |
| Average earning assets | $34,332,200 | 6,938 |
| Average equity | $5,749,800 | 6,448 |
| Average total loans | $17,673,600 | 7,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 3,591 |
| Cost of funding earning assets | 1.4774% | 3,105 |
| Net interest margin | 3.7701% | 4,093 |
| Noninterest income to average assets | 0.1115% | 6,986 |
| Noninterest expense to average assets | 2.3757% | 6,096 |
| Loan and lease loss provision to assets | -0.0070% | 7,672 |
| Net operating income to assets | 0.8569% | 2,789 |
| Return on assets (ROA) | 0.8569% | 2,918 |
| Pretax return on assets | 1.0938% | 2,845 |
| Return on Equity (ROE) | 5.7012% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.6153% | 3,903 |
| Net charge-offs to loans | -0.0749% | 7,515 |
| Credit loss provision to net charge-offs | 20.0000% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6117% | 4,351 |
| Assets per employee ($millions) | 3.4771% | 5,034 |
| Cash dividends to net income (ytd only)* | 36.5865% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.0964% | 6,834 |
| Net loans and leases to deposits | 52.4603% | 6,869 |
| Net loans and leases to core deposits | 56.1713% | 6,844 |
| Total domestic deposits to total assets | 84.0567% | 4,101 |
| Equity capital to assets | 15.3028% | 823 |
| Core capital (leverage) ratio | 14.1552% | 892 |
| Tier 1 risk-based capital ratio | 24.2079% | 923 |
| Total risk-based capital ratio | 25.2860% | 914 |
| Memoranda: | ||
| Average total assets | $38,275,500 | 7,008 |
| Average earning assets | $34,021,500 | 7,024 |
| Average equity | $5,753,000 | 6,526 |
| Average total loans | $17,804,750 | 7,133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 2,766 |
| Cost of funding earning assets | 1.5316% | 3,060 |
| Net interest margin | 3.9153% | 3,378 |
| Noninterest income to average assets | 0.1097% | 7,053 |
| Noninterest expense to average assets | 2.3769% | 6,127 |
| Loan and lease loss provision to assets | -0.0104% | 7,740 |
| Net operating income to assets | 0.9090% | 2,522 |
| Return on assets (ROA) | 0.9090% | 2,631 |
| Pretax return on assets | 1.1754% | 2,495 |
| Return on Equity (ROE) | 6.0843% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.9862% | 3,542 |
| Net charge-offs to loans | -0.1109% | 7,568 |
| Credit loss provision to net charge-offs | 20.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1091% | 4,742 |
| Assets per employee ($millions) | 3.5086% | 4,907 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.3012% | 6,821 |
| Net loans and leases to deposits | 53.6335% | 6,886 |
| Net loans and leases to core deposits | 59.8993% | 6,720 |
| Total domestic deposits to total assets | 84.4643% | 3,890 |
| Equity capital to assets | 14.7817% | 928 |
| Core capital (leverage) ratio | 14.3364% | 849 |
| Tier 1 risk-based capital ratio | 24.0070% | 942 |
| Total risk-based capital ratio | 25.0847% | 938 |
| Memoranda: | ||
| Average total assets | $38,284,670 | 7,063 |
| Average earning assets | $33,560,330 | 7,091 |
| Average equity | $5,719,670 | 6,554 |
| Average total loans | $18,037,670 | 7,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 2,708 |
| Cost of funding earning assets | 1.5883% | 3,030 |
| Net interest margin | 3.8866% | 3,387 |
| Noninterest income to average assets | 0.1049% | 7,180 |
| Noninterest expense to average assets | 2.2345% | 6,595 |
| Loan and lease loss provision to assets | -0.0210% | 7,845 |
| Net operating income to assets | 0.9546% | 2,345 |
| Return on assets (ROA) | 0.9546% | 2,412 |
| Pretax return on assets | 1.2798% | 2,107 |
| Return on Equity (ROE) | 6.3559% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.2605% | 3,594 |
| Net charge-offs to loans | -0.0440% | 7,311 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9640% | 5,500 |
| Assets per employee ($millions) | 3.8697% | 4,165 |
| Cash dividends to net income (ytd only)* | 32.9670% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.7632% | 6,921 |
| Net loans and leases to deposits | 53.0000% | 6,981 |
| Net loans and leases to core deposits | 59.1598% | 6,806 |
| Total domestic deposits to total assets | 84.4587% | 3,912 |
| Equity capital to assets | 14.8797% | 913 |
| Core capital (leverage) ratio | 13.9348% | 976 |
| Tier 1 risk-based capital ratio | 23.7126% | 991 |
| Total risk-based capital ratio | 24.7478% | 989 |
| Memoranda: | ||
| Average total assets | $38,129,500 | 7,151 |
| Average earning assets | $33,242,500 | 7,192 |
| Average equity | $5,727,000 | 6,607 |
| Average total loans | $18,194,500 | 7,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9570% | 2,027 |
| Cost of funding earning assets | 1.7649% | 4,176 |
| Net interest margin | 4.1921% | 2,096 |
| Noninterest income to average assets | 0.1141% | 7,186 |
| Noninterest expense to average assets | 2.5486% | 5,959 |
| Loan and lease loss provision to assets | 0.3994% | 4,415 |
| Net operating income to assets | 0.7553% | 2,695 |
| Return on assets (ROA) | 0.7553% | 2,790 |
| Pretax return on assets | 0.9157% | 2,877 |
| Return on Equity (ROE) | 5.0669% | 3,638 |
| Retained earnings to average equity (ytd only) | 3.9733% | 2,421 |
| Net charge-offs to loans | 0.8539% | 2,692 |
| Credit loss provision to net charge-offs | 92.4528% | 5,922 |
| Earnings coverage of net charge-offs (x) | 3.0440% | 3,552 |
| Efficiency ratio | 65.9634% | 5,400 |
| Assets per employee ($millions) | 3.1302% | 5,913 |
| Cash dividends to net income (ytd only)* | 21.5827% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 49.5314% | 6,684 |
| Net loans and leases to deposits | 58.8710% | 6,714 |
| Net loans and leases to core deposits | 84.3000% | 5,689 |
| Total domestic deposits to total assets | 84.1356% | 3,969 |
| Equity capital to assets | 15.1643% | 879 |
| Core capital (leverage) ratio | 14.1664% | 955 |
| Tier 1 risk-based capital ratio | 22.9902% | 1,043 |
| Total risk-based capital ratio | 23.9967% | 1,049 |
| Memoranda: | ||
| Average total assets | $36,804,200 | 7,217 |
| Average earning assets | $32,919,000 | 7,231 |
| Average equity | $5,486,600 | 6,775 |
| Average total loans | $18,619,600 | 7,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9067% | 2,422 |
| Cost of funding earning assets | 1.7748% | 4,505 |
| Net interest margin | 4.1319% | 2,282 |
| Noninterest income to average assets | 0.1165% | 7,308 |
| Noninterest expense to average assets | 2.5891% | 5,752 |
| Loan and lease loss provision to assets | 0.5171% | 3,317 |
| Net operating income to assets | 0.6591% | 3,360 |
| Return on assets (ROA) | 0.6591% | 3,420 |
| Pretax return on assets | 0.7574% | 3,680 |
| Return on Equity (ROE) | 4.4409% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.9688% | 3,669 |
| Net charge-offs to loans | 1.0988% | 1,816 |
| Credit loss provision to net charge-offs | 92.8105% | 5,406 |
| Earnings coverage of net charge-offs (x) | 2.2877% | 4,108 |
| Efficiency ratio | 67.0123% | 5,185 |
| Assets per employee ($millions) | 3.3640% | 5,228 |
| Cash dividends to net income (ytd only)* | 33.1496% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,880 |
| Loan loss allowance to noncurrent loans | 537.2093% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 7,063 |
| Noncurrent loans to loans | 0.2315% | 6,919 |
| Net loans and leases to total assets | 49.5703% | 6,811 |
| Net loans and leases to deposits | 59.0548% | 6,900 |
| Net loans and leases to core deposits | 84.4016% | 6,012 |
| Total domestic deposits to total assets | 83.9396% | 3,750 |
| Equity capital to assets | 15.2443% | 939 |
| Core capital (leverage) ratio | 14.2172% | 1,033 |
| Tier 1 risk-based capital ratio | 22.9454% | 1,116 |
| Total risk-based capital ratio | 23.9727% | 1,117 |
| Memoranda: | ||
| Average total assets | $36,614,750 | 7,287 |
| Average earning assets | $33,204,250 | 7,280 |
| Average equity | $5,434,250 | 6,865 |
| Average total loans | $18,565,500 | 7,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8319% | 2,893 |
| Cost of funding earning assets | 1.8014% | 4,751 |
| Net interest margin | 4.0305% | 2,578 |
| Noninterest income to average assets | 0.1261% | 7,344 |
| Noninterest expense to average assets | 2.5983% | 5,748 |
| Loan and lease loss provision to assets | 0.6578% | 2,457 |
| Net operating income to assets | 0.5208% | 4,017 |
| Return on assets (ROA) | 0.5208% | 4,129 |
| Pretax return on assets | 0.5372% | 4,509 |
| Return on Equity (ROE) | 3.5413% | 4,690 |
| Retained earnings to average equity (ytd only) | 1.3047% | 4,610 |
| Net charge-offs to loans | 1.6485% | 1,146 |
| Credit loss provision to net charge-offs | 78.4314% | 5,238 |
| Earnings coverage of net charge-offs (x) | 1.4248% | 4,462 |
| Efficiency ratio | 68.4971% | 5,071 |
| Assets per employee ($millions) | 3.3542% | 5,175 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,426 |
| Loan loss allowance to noncurrent loans | 550.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 7,046 |
| Noncurrent loans to loans | 0.2044% | 6,999 |
| Net loans and leases to total assets | 49.8130% | 6,886 |
| Net loans and leases to deposits | 58.9883% | 6,966 |
| Net loans and leases to core deposits | 82.5058% | 6,198 |
| Total domestic deposits to total assets | 84.4455% | 3,524 |
| Equity capital to assets | 14.8146% | 1,079 |
| Core capital (leverage) ratio | 13.6223% | 1,234 |
| Tier 1 risk-based capital ratio | 22.4850% | 1,184 |
| Total risk-based capital ratio | 23.4126% | 1,198 |
| Memoranda: | ||
| Average total assets | $36,485,000 | 7,362 |
| Average earning assets | $33,196,670 | 7,350 |
| Average equity | $5,365,330 | 6,938 |
| Average total loans | $18,562,670 | 7,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 2,330 |
| Cost of funding earning assets | 1.7773% | 5,226 |
| Net interest margin | 4.2316% | 1,799 |
| Noninterest income to average assets | 0.1323% | 7,344 |
| Noninterest expense to average assets | 2.4146% | 6,143 |
| Loan and lease loss provision to assets | 1.3231% | 975 |
| Net operating income to assets | -0.1544% | 6,485 |
| Return on assets (ROA) | -0.1544% | 6,590 |
| Pretax return on assets | 0.2536% | 5,811 |
| Return on Equity (ROE) | -1.0536% | 6,545 |
| Retained earnings to average equity (ytd only) | -3.3114% | 6,331 |
| Net charge-offs to loans | 0.3450% | 2,706 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 8.9375% | 2,127 |
| Efficiency ratio | 60.4972% | 6,324 |
| Assets per employee ($millions) | 3.4058% | 5,059 |
| Cash dividends to net income (ytd only)* | -214.2857% | 8,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 1,573 |
| Loan loss allowance to noncurrent loans | 196.0452% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 5,778 |
| Noncurrent loans to loans | 0.9803% | 5,034 |
| Net loans and leases to total assets | 47.2667% | 7,083 |
| Net loans and leases to deposits | 55.7451% | 7,172 |
| Net loans and leases to core deposits | 76.1733% | 6,664 |
| Total domestic deposits to total assets | 84.7907% | 3,304 |
| Equity capital to assets | 14.4405% | 1,250 |
| Core capital (leverage) ratio | 14.3248% | 1,127 |
| Tier 1 risk-based capital ratio | 22.2982% | 1,266 |
| Total risk-based capital ratio | 23.5526% | 1,232 |
| Memoranda: | ||
| Average total assets | $36,279,500 | 7,406 |
| Average earning assets | $33,084,500 | 7,402 |
| Average equity | $5,315,000 | 6,999 |
| Average total loans | $18,550,000 | 7,461 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2065% | 4,484 |
| Cost of funding earning assets | 2.2525% | 5,359 |
| Net interest margin | 3.9540% | 3,342 |
| Noninterest income to average assets | 0.1123% | 7,564 |
| Noninterest expense to average assets | 2.4227% | 6,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0359% | 2,413 |
| Return on assets (ROA) | 1.0359% | 2,305 |
| Pretax return on assets | 1.3756% | 2,045 |
| Return on Equity (ROE) | 7.2781% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.1085% | 1,960 |
| Net charge-offs to loans | 0.0553% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 770 |
| Efficiency ratio | 63.7842% | 5,607 |
| Assets per employee ($millions) | 3.5095% | 4,631 |
| Cash dividends to net income (ytd only)* | 29.8103% | 4,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 3,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 7,100 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.5746% | 6,695 |
| Net loans and leases to deposits | 63.2681% | 6,859 |
| Net loans and leases to core deposits | 84.0350% | 6,290 |
| Total domestic deposits to total assets | 84.6787% | 2,990 |
| Equity capital to assets | 14.8739% | 1,190 |
| Core capital (leverage) ratio | 14.3481% | 1,177 |
| Tier 1 risk-based capital ratio | 22.2367% | 1,289 |
| Total risk-based capital ratio | 23.2904% | 1,280 |
| Memoranda: | ||
| Average total assets | $35,621,000 | 7,401 |
| Average earning assets | $33,207,200 | 7,367 |
| Average equity | $5,070,000 | 7,117 |
| Average total loans | $18,081,000 | 7,453 |