Home > The Emmet County State Bank > Performance and Condition Ratios
The Emmet County State Bank, Performance and Condition Ratios
| 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 | 3.2658% | 6,751 |
| Cost of funding earning assets | 0.3149% | 6,536 |
| Net interest margin | 2.9509% | 6,271 |
| Noninterest income to average assets | 0.2003% | 6,094 |
| Noninterest expense to average assets | 2.3277% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6324% | 4,228 |
| Return on assets (ROA) | 0.6324% | 4,482 |
| Pretax return on assets | 0.6655% | 4,967 |
| Return on Equity (ROE) | 7.0687% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.3678% | 4,498 |
| Net charge-offs to loans | -0.0812% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7655% | 2,425 |
| Assets per employee ($millions) | 3.9531% | 3,968 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,838 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,100 |
| Noncurrent loans to loans | 1.0375% | 4,371 |
| Net loans and leases to total assets | 44.7052% | 5,904 |
| Net loans and leases to deposits | 49.2862% | 6,166 |
| Net loans and leases to core deposits | 49.8904% | 6,290 |
| Total domestic deposits to total assets | 90.7053% | 518 |
| Equity capital to assets | 8.9803% | 5,843 |
| Core capital (leverage) ratio | 8.9902% | 5,080 |
| Tier 1 risk-based capital ratio | 14.9440% | 3,888 |
| Total risk-based capital ratio | 16.1408% | 3,884 |
| Memoranda: | ||
| Average total assets | $80,535,000 | 5,389 |
| Average earning assets | $76,222,750 | 5,285 |
| Average equity | $7,205,250 | 5,770 |
| Average total loans | $39,402,000 | 5,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2967% | 6,814 |
| Cost of funding earning assets | 0.3212% | 6,638 |
| Net interest margin | 2.9755% | 6,286 |
| Noninterest income to average assets | 0.2208% | 5,990 |
| Noninterest expense to average assets | 2.4113% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5922% | 4,406 |
| Return on assets (ROA) | 0.5922% | 4,663 |
| Pretax return on assets | 0.6223% | 5,059 |
| Return on Equity (ROE) | 6.6274% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.0110% | 5,674 |
| Net charge-offs to loans | -0.2302% | 7,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4872% | 2,268 |
| Assets per employee ($millions) | 3.5334% | 4,909 |
| Cash dividends to net income (ytd only)* | 84.7458% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,950 |
| Loan loss allowance to noncurrent loans | 66.4071% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 3,786 |
| Noncurrent loans to loans | 2.2792% | 2,638 |
| Net loans and leases to total assets | 49.9730% | 5,357 |
| Net loans and leases to deposits | 55.3133% | 5,729 |
| Net loans and leases to core deposits | 55.5197% | 5,980 |
| Total domestic deposits to total assets | 90.3453% | 739 |
| Equity capital to assets | 9.3061% | 5,308 |
| Core capital (leverage) ratio | 8.7327% | 5,330 |
| Tier 1 risk-based capital ratio | 14.4474% | 4,134 |
| Total risk-based capital ratio | 15.6736% | 4,122 |
| Memoranda: | ||
| Average total assets | $79,708,330 | 5,440 |
| Average earning assets | $75,347,670 | 5,345 |
| Average equity | $7,122,000 | 5,809 |
| Average total loans | $39,973,670 | 5,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 6,865 |
| Cost of funding earning assets | 0.3258% | 6,746 |
| Net interest margin | 3.0159% | 6,258 |
| Noninterest income to average assets | 0.2677% | 5,736 |
| Noninterest expense to average assets | 2.4735% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6047% | 4,327 |
| Return on assets (ROA) | 0.6047% | 4,541 |
| Pretax return on assets | 0.6394% | 4,974 |
| Return on Equity (ROE) | 6.9063% | 3,832 |
| Retained earnings to average equity (ytd only) | -4.4155% | 6,540 |
| Net charge-offs to loans | -0.4573% | 7,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4586% | 2,275 |
| Assets per employee ($millions) | 3.8286% | 4,362 |
| Cash dividends to net income (ytd only)* | 163.9344% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,881 |
| Loan loss allowance to noncurrent loans | 190.1274% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,270 |
| Noncurrent loans to loans | 0.8218% | 5,033 |
| Net loans and leases to total assets | 44.6563% | 5,937 |
| Net loans and leases to deposits | 48.9084% | 6,232 |
| Net loans and leases to core deposits | 49.2356% | 6,381 |
| Total domestic deposits to total assets | 91.3059% | 436 |
| Equity capital to assets | 8.3783% | 6,197 |
| Core capital (leverage) ratio | 8.5291% | 5,546 |
| Tier 1 risk-based capital ratio | 14.0191% | 4,463 |
| Total risk-based capital ratio | 15.2288% | 4,448 |
| Memoranda: | ||
| Average total assets | $80,695,500 | 5,451 |
| Average earning assets | $76,130,500 | 5,360 |
| Average equity | $7,066,000 | 5,851 |
| Average total loans | $40,239,000 | 5,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 6,709 |
| Cost of funding earning assets | 0.4322% | 6,794 |
| Net interest margin | 3.3830% | 5,534 |
| Noninterest income to average assets | 0.2805% | 5,521 |
| Noninterest expense to average assets | 2.6931% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6915% | 3,534 |
| Return on assets (ROA) | 0.7267% | 3,528 |
| Pretax return on assets | 0.7721% | 4,075 |
| Return on Equity (ROE) | 8.0964% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.0964% | 1,045 |
| Net charge-offs to loans | 0.3673% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.6184% | 3,451 |
| Efficiency ratio | 78.5659% | 2,516 |
| Assets per employee ($millions) | 3.5073% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,885 |
| Loan loss allowance to noncurrent loans | 115.0313% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 5,112 |
| Noncurrent loans to loans | 1.1333% | 4,466 |
| Net loans and leases to total assets | 54.0636% | 5,027 |
| Net loans and leases to deposits | 59.7402% | 5,520 |
| Net loans and leases to core deposits | 59.9635% | 5,851 |
| Total domestic deposits to total assets | 90.4978% | 725 |
| Equity capital to assets | 9.1691% | 5,330 |
| Core capital (leverage) ratio | 8.8771% | 4,983 |
| Tier 1 risk-based capital ratio | 13.7558% | 4,515 |
| Total risk-based capital ratio | 14.8389% | 4,602 |
| Memoranda: | ||
| Average total assets | $74,859,200 | 5,614 |
| Average earning assets | $69,642,000 | 5,549 |
| Average equity | $6,719,000 | 5,949 |
| Average total loans | $41,386,800 | 5,623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 6,808 |
| Cost of funding earning assets | 0.4488% | 6,887 |
| Net interest margin | 3.3797% | 5,633 |
| Noninterest income to average assets | 0.2531% | 5,812 |
| Noninterest expense to average assets | 2.7228% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6325% | 3,955 |
| Return on assets (ROA) | 0.6803% | 3,890 |
| Pretax return on assets | 0.7162% | 4,412 |
| Return on Equity (ROE) | 7.6217% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.6217% | 1,654 |
| Net charge-offs to loans | 0.3530% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.4036% | 3,450 |
| Efficiency ratio | 80.3496% | 2,207 |
| Assets per employee ($millions) | 3.7990% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,458 |
| Loan loss allowance to noncurrent loans | 93.8389% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 5,132 |
| Noncurrent loans to loans | 1.5153% | 4,013 |
| Net loans and leases to total assets | 51.6182% | 5,493 |
| Net loans and leases to deposits | 56.7812% | 5,951 |
| Net loans and leases to core deposits | 56.9855% | 6,223 |
| Total domestic deposits to total assets | 90.9073% | 467 |
| Equity capital to assets | 8.6979% | 6,089 |
| Core capital (leverage) ratio | 8.9631% | 4,992 |
| Tier 1 risk-based capital ratio | 13.5542% | 4,700 |
| Total risk-based capital ratio | 14.7327% | 4,716 |
| Memoranda: | ||
| Average total assets | $74,283,750 | 5,673 |
| Average earning assets | $68,919,000 | 5,620 |
| Average equity | $6,630,000 | 6,019 |
| Average total loans | $41,166,750 | 5,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 6,798 |
| Cost of funding earning assets | 0.4845% | 6,894 |
| Net interest margin | 3.4216% | 5,471 |
| Noninterest income to average assets | 0.2733% | 5,688 |
| Noninterest expense to average assets | 2.7963% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6021% | 4,056 |
| Return on assets (ROA) | 0.6073% | 4,157 |
| Pretax return on assets | 0.6404% | 4,613 |
| Return on Equity (ROE) | 6.7412% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.7412% | 1,991 |
| Net charge-offs to loans | 0.2783% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.0351% | 2,985 |
| Efficiency ratio | 81.4964% | 2,173 |
| Assets per employee ($millions) | 3.1581% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,761 |
| Loan loss allowance to noncurrent loans | 106.2500% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 5,218 |
| Noncurrent loans to loans | 1.4910% | 4,186 |
| Net loans and leases to total assets | 52.9475% | 5,448 |
| Net loans and leases to deposits | 58.3588% | 5,895 |
| Net loans and leases to core deposits | 58.6111% | 6,224 |
| Total domestic deposits to total assets | 90.7275% | 621 |
| Equity capital to assets | 8.8661% | 5,749 |
| Core capital (leverage) ratio | 8.8292% | 5,002 |
| Tier 1 risk-based capital ratio | 12.9440% | 4,960 |
| Total risk-based capital ratio | 14.1932% | 4,939 |
| Memoranda: | ||
| Average total assets | $72,452,330 | 5,767 |
| Average earning assets | $66,869,670 | 5,731 |
| Average equity | $6,527,000 | 6,075 |
| Average total loans | $40,964,330 | 5,757 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 6,681 |
| Cost of funding earning assets | 0.5013% | 6,965 |
| Net interest margin | 3.5091% | 4,971 |
| Noninterest income to average assets | 0.3278% | 5,286 |
| Noninterest expense to average assets | 2.8991% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5990% | 4,032 |
| Return on assets (ROA) | 0.5990% | 4,099 |
| Pretax return on assets | 0.6329% | 4,561 |
| Return on Equity (ROE) | 6.5936% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.5936% | 2,328 |
| Net charge-offs to loans | 0.2436% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.4800% | 2,469 |
| Efficiency ratio | 82.0800% | 2,217 |
| Assets per employee ($millions) | 3.4078% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,446 |
| Loan loss allowance to noncurrent loans | 81.1976% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 4,691 |
| Noncurrent loans to loans | 2.0570% | 3,497 |
| Net loans and leases to total assets | 53.2419% | 5,415 |
| Net loans and leases to deposits | 58.5485% | 5,872 |
| Net loans and leases to core deposits | 58.8029% | 6,191 |
| Total domestic deposits to total assets | 90.9365% | 659 |
| Equity capital to assets | 8.6674% | 5,694 |
| Core capital (leverage) ratio | 9.2158% | 4,262 |
| Tier 1 risk-based capital ratio | 12.8814% | 4,920 |
| Total risk-based capital ratio | 14.1323% | 4,900 |
| Memoranda: | ||
| Average total assets | $70,781,500 | 5,854 |
| Average earning assets | $64,632,500 | 5,836 |
| Average equity | $6,430,500 | 6,118 |
| Average total loans | $41,058,000 | 5,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 5,143 |
| Cost of funding earning assets | 0.6890% | 6,913 |
| Net interest margin | 4.1853% | 2,243 |
| Noninterest income to average assets | 0.2408% | 6,079 |
| Noninterest expense to average assets | 3.2468% | 2,925 |
| Loan and lease loss provision to assets | 0.0945% | 6,199 |
| Net operating income to assets | 0.5850% | 3,736 |
| Return on assets (ROA) | 0.5850% | 3,899 |
| Pretax return on assets | 0.6145% | 4,276 |
| Return on Equity (ROE) | 5.6647% | 3,749 |
| Retained earnings to average equity (ytd only) | -10.2852% | 6,674 |
| Net charge-offs to loans | 0.1286% | 5,615 |
| Credit loss provision to net charge-offs | 118.5185% | 3,586 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 1,902 |
| Efficiency ratio | 82.0762% | 2,156 |
| Assets per employee ($millions) | 2.8953% | 6,338 |
| Cash dividends to net income (ytd only)* | 281.5657% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 3,238 |
| Loan loss allowance to noncurrent loans | 102.0319% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 4,929 |
| Noncurrent loans to loans | 1.6594% | 4,017 |
| Net loans and leases to total assets | 61.2972% | 4,441 |
| Net loans and leases to deposits | 68.1145% | 5,088 |
| Net loans and leases to core deposits | 68.4515% | 5,611 |
| Total domestic deposits to total assets | 89.9913% | 1,107 |
| Equity capital to assets | 9.5552% | 4,333 |
| Core capital (leverage) ratio | 9.3099% | 3,993 |
| Tier 1 risk-based capital ratio | 12.1439% | 5,342 |
| Total risk-based capital ratio | 13.3953% | 5,320 |
| Memoranda: | ||
| Average total assets | $67,696,600 | 5,943 |
| Average earning assets | $60,091,200 | 5,994 |
| Average equity | $6,990,600 | 6,038 |
| Average total loans | $41,983,400 | 5,837 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 4,971 |
| Cost of funding earning assets | 0.7188% | 7,012 |
| Net interest margin | 4.2462% | 2,045 |
| Noninterest income to average assets | 0.2334% | 6,214 |
| Noninterest expense to average assets | 3.1365% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7983% | 3,005 |
| Return on assets (ROA) | 0.7983% | 3,168 |
| Pretax return on assets | 0.8395% | 3,771 |
| Return on Equity (ROE) | 7.5922% | 3,065 |
| Retained earnings to average equity (ytd only) | 0.5037% | 5,597 |
| Net charge-offs to loans | 0.1710% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 7.9257% | 2,240 |
| Efficiency ratio | 78.8851% | 2,503 |
| Assets per employee ($millions) | 2.9161% | 6,333 |
| Cash dividends to net income (ytd only)* | 93.3659% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,710 |
| Loan loss allowance to noncurrent loans | 64.9194% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 4,031 |
| Noncurrent loans to loans | 2.3969% | 3,240 |
| Net loans and leases to total assets | 60.7446% | 4,771 |
| Net loans and leases to deposits | 68.4406% | 5,358 |
| Net loans and leases to core deposits | 68.7350% | 5,872 |
| Total domestic deposits to total assets | 88.7552% | 1,532 |
| Equity capital to assets | 10.7155% | 3,272 |
| Core capital (leverage) ratio | 10.7534% | 2,466 |
| Tier 1 risk-based capital ratio | 13.0634% | 4,527 |
| Total risk-based capital ratio | 14.2321% | 4,565 |
| Memoranda: | ||
| Average total assets | $67,972,750 | 6,003 |
| Average earning assets | $59,910,500 | 6,065 |
| Average equity | $7,147,500 | 6,061 |
| Average total loans | $42,098,750 | 5,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 4,925 |
| Cost of funding earning assets | 0.7478% | 7,069 |
| Net interest margin | 4.2556% | 1,941 |
| Noninterest income to average assets | 0.2344% | 6,232 |
| Noninterest expense to average assets | 3.1169% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7939% | 2,999 |
| Return on assets (ROA) | 0.7939% | 3,146 |
| Pretax return on assets | 0.8349% | 3,759 |
| Return on Equity (ROE) | 7.5971% | 3,061 |
| Retained earnings to average equity (ytd only) | -0.2523% | 5,785 |
| Net charge-offs to loans | 0.0189% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 443 |
| Efficiency ratio | 78.8732% | 2,594 |
| Assets per employee ($millions) | 2.9078% | 6,339 |
| Cash dividends to net income (ytd only)* | 103.3210% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 3,342 |
| Loan loss allowance to noncurrent loans | 159.1743% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 5,440 |
| Noncurrent loans to loans | 1.0213% | 5,267 |
| Net loans and leases to total assets | 62.7946% | 4,518 |
| Net loans and leases to deposits | 70.7497% | 5,167 |
| Net loans and leases to core deposits | 71.0549% | 5,769 |
| Total domestic deposits to total assets | 88.7560% | 1,567 |
| Equity capital to assets | 10.7312% | 3,145 |
| Core capital (leverage) ratio | 10.5479% | 2,586 |
| Tier 1 risk-based capital ratio | 12.7445% | 4,651 |
| Total risk-based capital ratio | 13.9794% | 4,633 |
| Memoranda: | ||
| Average total assets | $68,273,330 | 6,024 |
| Average earning assets | $59,638,670 | 6,113 |
| Average equity | $7,134,330 | 6,098 |
| Average total loans | $42,336,330 | 5,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 5,081 |
| Cost of funding earning assets | 0.7744% | 7,168 |
| Net interest margin | 4.2115% | 1,994 |
| Noninterest income to average assets | 0.2842% | 5,868 |
| Noninterest expense to average assets | 3.0042% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8293% | 2,836 |
| Return on assets (ROA) | 0.8293% | 2,931 |
| Pretax return on assets | 0.8757% | 3,556 |
| Return on Equity (ROE) | 8.0416% | 2,865 |
| Retained earnings to average equity (ytd only) | -7.7042% | 6,804 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4290% | 2,990 |
| Assets per employee ($millions) | 2.9217% | 6,395 |
| Cash dividends to net income (ytd only)* | 195.8042% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,298 |
| Loan loss allowance to noncurrent loans | 134.2308% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 5,279 |
| Noncurrent loans to loans | 1.2207% | 4,929 |
| Net loans and leases to total assets | 59.7561% | 5,159 |
| Net loans and leases to deposits | 66.7692% | 5,737 |
| Net loans and leases to core deposits | 67.3552% | 6,171 |
| Total domestic deposits to total assets | 89.4966% | 1,248 |
| Equity capital to assets | 10.0456% | 3,805 |
| Core capital (leverage) ratio | 10.4790% | 2,639 |
| Tier 1 risk-based capital ratio | 12.3443% | 4,869 |
| Total risk-based capital ratio | 13.5690% | 4,845 |
| Memoranda: | ||
| Average total assets | $68,970,000 | 6,071 |
| Average earning assets | $58,886,500 | 6,210 |
| Average equity | $7,113,000 | 6,155 |
| Average total loans | $42,159,000 | 6,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 5,115 |
| Cost of funding earning assets | 1.0596% | 7,076 |
| Net interest margin | 4.2531% | 1,880 |
| Noninterest income to average assets | 0.2843% | 6,069 |
| Noninterest expense to average assets | 3.1028% | 3,730 |
| Loan and lease loss provision to assets | 0.5392% | 3,672 |
| Net operating income to assets | 0.4355% | 3,984 |
| Return on assets (ROA) | 0.5083% | 3,790 |
| Pretax return on assets | 0.5333% | 4,099 |
| Return on Equity (ROE) | 4.7354% | 3,784 |
| Retained earnings to average equity (ytd only) | -1.2216% | 5,319 |
| Net charge-offs to loans | 0.8025% | 2,822 |
| Credit loss provision to net charge-offs | 104.8711% | 5,276 |
| Earnings coverage of net charge-offs (x) | 1.9370% | 4,271 |
| Efficiency ratio | 75.7009% | 3,574 |
| Assets per employee ($millions) | 2.9487% | 6,349 |
| Cash dividends to net income (ytd only)* | 125.7971% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 2,994 |
| Loan loss allowance to noncurrent loans | 45.8306% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.4447% | 2,846 |
| Noncurrent loans to loans | 3.6506% | 2,062 |
| Net loans and leases to total assets | 60.4851% | 5,261 |
| Net loans and leases to deposits | 68.0259% | 5,823 |
| Net loans and leases to core deposits | 74.4321% | 6,509 |
| Total domestic deposits to total assets | 88.9148% | 1,517 |
| Equity capital to assets | 10.5898% | 3,081 |
| Core capital (leverage) ratio | 10.8284% | 2,328 |
| Tier 1 risk-based capital ratio | 12.6530% | 4,399 |
| Total risk-based capital ratio | 13.8845% | 4,353 |
| Memoranda: | ||
| Average total assets | $67,874,600 | 6,078 |
| Average earning assets | $60,873,200 | 6,097 |
| Average equity | $7,285,600 | 6,179 |
| Average total loans | $43,487,800 | 5,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 4,934 |
| Cost of funding earning assets | 1.1207% | 7,133 |
| Net interest margin | 4.2824% | 1,774 |
| Noninterest income to average assets | 0.2534% | 6,421 |
| Noninterest expense to average assets | 3.0068% | 4,019 |
| Loan and lease loss provision to assets | 0.4635% | 3,589 |
| Net operating income to assets | 0.6159% | 3,550 |
| Return on assets (ROA) | 0.7129% | 3,227 |
| Pretax return on assets | 0.7502% | 3,698 |
| Return on Equity (ROE) | 6.6196% | 3,255 |
| Retained earnings to average equity (ytd only) | -1.2947% | 5,557 |
| Net charge-offs to loans | 0.9348% | 2,099 |
| Credit loss provision to net charge-offs | 76.6234% | 5,848 |
| Earnings coverage of net charge-offs (x) | 1.8377% | 4,426 |
| Efficiency ratio | 73.0091% | 4,052 |
| Assets per employee ($millions) | 2.8932% | 6,427 |
| Cash dividends to net income (ytd only)* | 119.5583% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,832 |
| Loan loss allowance to noncurrent loans | 70.4046% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 4,423 |
| Noncurrent loans to loans | 2.0185% | 3,613 |
| Net loans and leases to total assets | 63.4843% | 4,981 |
| Net loans and leases to deposits | 71.7306% | 5,691 |
| Net loans and leases to core deposits | 79.2381% | 6,403 |
| Total domestic deposits to total assets | 88.5038% | 1,433 |
| Equity capital to assets | 10.8214% | 3,192 |
| Core capital (leverage) ratio | 10.8194% | 2,549 |
| Tier 1 risk-based capital ratio | 12.4109% | 4,617 |
| Total risk-based capital ratio | 13.4621% | 4,726 |
| Memoranda: | ||
| Average total assets | $67,888,250 | 6,110 |
| Average earning assets | $61,272,250 | 6,132 |
| Average equity | $7,311,500 | 6,223 |
| Average total loans | $43,930,000 | 5,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 4,920 |
| Cost of funding earning assets | 1.1894% | 7,135 |
| Net interest margin | 4.2547% | 1,800 |
| Noninterest income to average assets | 0.2605% | 6,413 |
| Noninterest expense to average assets | 2.9384% | 4,343 |
| Loan and lease loss provision to assets | 0.1756% | 5,290 |
| Net operating income to assets | 0.9617% | 2,239 |
| Return on assets (ROA) | 1.1063% | 1,830 |
| Pretax return on assets | 1.1619% | 2,420 |
| Return on Equity (ROE) | 10.2881% | 1,919 |
| Retained earnings to average equity (ytd only) | -1.5242% | 5,623 |
| Net charge-offs to loans | 0.2980% | 3,693 |
| Credit loss provision to net charge-offs | 90.9091% | 4,890 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,681 |
| Efficiency ratio | 71.2562% | 4,549 |
| Assets per employee ($millions) | 2.9117% | 6,355 |
| Cash dividends to net income (ytd only)* | 114.8148% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 2,961 |
| Loan loss allowance to noncurrent loans | 36.6052% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.6860% | 2,390 |
| Noncurrent loans to loans | 4.2296% | 1,562 |
| Net loans and leases to total assets | 61.4239% | 5,449 |
| Net loans and leases to deposits | 68.9859% | 6,095 |
| Net loans and leases to core deposits | 75.7073% | 6,699 |
| Total domestic deposits to total assets | 89.0384% | 1,247 |
| Equity capital to assets | 10.3191% | 3,598 |
| Core capital (leverage) ratio | 10.5005% | 2,813 |
| Tier 1 risk-based capital ratio | 12.7019% | 4,358 |
| Total risk-based capital ratio | 13.8920% | 4,321 |
| Memoranda: | ||
| Average total assets | $68,336,330 | 6,139 |
| Average earning assets | $62,049,000 | 6,143 |
| Average equity | $7,348,330 | 6,246 |
| Average total loans | $44,288,670 | 6,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 4,822 |
| Cost of funding earning assets | 1.2927% | 7,034 |
| Net interest margin | 4.2242% | 1,824 |
| Noninterest income to average assets | 0.3197% | 5,890 |
| Noninterest expense to average assets | 2.8773% | 4,240 |
| Loan and lease loss provision to assets | 0.1480% | 5,043 |
| Net operating income to assets | 1.0692% | 2,069 |
| Return on assets (ROA) | 1.3617% | 1,318 |
| Pretax return on assets | 1.4327% | 1,873 |
| Return on Equity (ROE) | 12.4039% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.9186% | 801 |
| Net charge-offs to loans | 0.0448% | 4,850 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 802 |
| Efficiency ratio | 69.3295% | 4,714 |
| Assets per employee ($millions) | 2.8544% | 6,521 |
| Cash dividends to net income (ytd only)* | 3.9130% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 2,534 |
| Loan loss allowance to noncurrent loans | 45.4604% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3429% | 2,444 |
| Noncurrent loans to loans | 3.5115% | 1,813 |
| Net loans and leases to total assets | 63.0786% | 5,148 |
| Net loans and leases to deposits | 71.2822% | 5,833 |
| Net loans and leases to core deposits | 77.9733% | 6,540 |
| Total domestic deposits to total assets | 88.4914% | 1,493 |
| Equity capital to assets | 10.9437% | 3,015 |
| Core capital (leverage) ratio | 11.1273% | 2,398 |
| Tier 1 risk-based capital ratio | 12.9047% | 4,245 |
| Total risk-based capital ratio | 14.1140% | 4,198 |
| Memoranda: | ||
| Average total assets | $67,564,500 | 6,194 |
| Average earning assets | $61,265,500 | 6,204 |
| Average equity | $7,417,000 | 6,254 |
| Average total loans | $44,634,000 | 6,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3022% | 3,953 |
| Cost of funding earning assets | 1.8654% | 6,836 |
| Net interest margin | 4.4368% | 1,570 |
| Noninterest income to average assets | 0.2669% | 6,551 |
| Noninterest expense to average assets | 3.0610% | 3,857 |
| Loan and lease loss provision to assets | 0.5815% | 2,497 |
| Net operating income to assets | 0.6224% | 4,217 |
| Return on assets (ROA) | 0.7768% | 3,378 |
| Pretax return on assets | 0.8156% | 4,009 |
| Return on Equity (ROE) | 6.4364% | 3,783 |
| Retained earnings to average equity (ytd only) | -12.3663% | 7,273 |
| Net charge-offs to loans | 0.9248% | 1,342 |
| Credit loss provision to net charge-offs | 91.9811% | 5,634 |
| Earnings coverage of net charge-offs (x) | 1.9528% | 5,090 |
| Efficiency ratio | 71.2600% | 4,076 |
| Assets per employee ($millions) | 2.7760% | 6,619 |
| Cash dividends to net income (ytd only)* | 292.1305% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 2,682 |
| Loan loss allowance to noncurrent loans | 60.2655% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 2,740 |
| Noncurrent loans to loans | 2.4915% | 2,190 |
| Net loans and leases to total assets | 67.0539% | 4,626 |
| Net loans and leases to deposits | 76.7845% | 5,496 |
| Net loans and leases to core deposits | 83.5809% | 6,338 |
| Total domestic deposits to total assets | 87.3274% | 1,789 |
| Equity capital to assets | 11.0125% | 3,029 |
| Core capital (leverage) ratio | 10.9706% | 2,610 |
| Tier 1 risk-based capital ratio | 12.5603% | 4,398 |
| Total risk-based capital ratio | 13.7385% | 4,347 |
| Memoranda: | ||
| Average total assets | $67,069,800 | 6,122 |
| Average earning assets | $60,899,400 | 6,135 |
| Average equity | $8,094,600 | 6,049 |
| Average total loans | $45,847,400 | 5,882 |