Home > The Exchange National Bank of Cottonwood Falls > Performance and Condition Ratios
The Exchange National Bank of Cottonwood Falls, Performance and Condition Ratios
| 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 | 3.9847% | 5,691 |
| Cost of funding earning assets | 0.4269% | 6,120 |
| Net interest margin | 3.5578% | 4,427 |
| Noninterest income to average assets | 0.5670% | 3,478 |
| Noninterest expense to average assets | 3.4384% | 1,940 |
| Loan and lease loss provision to assets | 0.2439% | 2,625 |
| Net operating income to assets | 0.6218% | 4,269 |
| Return on assets (ROA) | 1.1766% | 1,999 |
| Pretax return on assets | 0.7925% | 4,500 |
| Return on Equity (ROE) | 11.1518% | 1,938 |
| Retained earnings to average equity (ytd only) | 11.1518% | 720 |
| Net charge-offs to loans | -0.0570% | 6,699 |
| Credit loss provision to net charge-offs | -666.6667% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7138% | 1,259 |
| Assets per employee ($millions) | 4.8257% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 2,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 6,748 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.1528% | 3,208 |
| Net loans and leases to deposits | 71.6594% | 3,662 |
| Net loans and leases to core deposits | 74.4010% | 3,963 |
| Total domestic deposits to total assets | 88.1291% | 2,055 |
| Equity capital to assets | 10.3493% | 3,882 |
| Core capital (leverage) ratio | 10.3581% | 2,976 |
| Tier 1 risk-based capital ratio | 16.2035% | 3,064 |
| Total risk-based capital ratio | 17.4631% | 3,024 |
| Memoranda: | ||
| Average total assets | $32,806,330 | 6,816 |
| Average earning assets | $30,918,330 | 6,771 |
| Average equity | $3,461,330 | 6,818 |
| Average total loans | $21,065,000 | 6,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 5,780 |
| Cost of funding earning assets | 0.4466% | 6,168 |
| Net interest margin | 3.5469% | 4,500 |
| Noninterest income to average assets | 0.4208% | 4,513 |
| Noninterest expense to average assets | 3.3416% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6560% | 4,102 |
| Return on assets (ROA) | 1.7822% | 693 |
| Pretax return on assets | 1.5471% | 1,750 |
| Return on Equity (ROE) | 16.7247% | 709 |
| Retained earnings to average equity (ytd only) | 16.7247% | 320 |
| Net charge-offs to loans | -0.0579% | 6,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8158% | 1,198 |
| Assets per employee ($millions) | 4.6921% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 6,816 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 64.7465% | 2,702 |
| Net loans and leases to deposits | 73.8326% | 3,135 |
| Net loans and leases to core deposits | 76.7532% | 3,513 |
| Total domestic deposits to total assets | 87.6937% | 2,534 |
| Equity capital to assets | 10.4308% | 3,581 |
| Core capital (leverage) ratio | 10.2382% | 3,066 |
| Tier 1 risk-based capital ratio | 16.0000% | 3,179 |
| Total risk-based capital ratio | 17.2588% | 3,140 |
| Memoranda: | ||
| Average total assets | $32,319,500 | 6,884 |
| Average earning assets | $30,449,500 | 6,831 |
| Average equity | $3,444,000 | 6,865 |
| Average total loans | $20,730,500 | 6,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 6,373 |
| Cost of funding earning assets | 0.5578% | 6,297 |
| Net interest margin | 3.4879% | 5,193 |
| Noninterest income to average assets | 0.3618% | 4,924 |
| Noninterest expense to average assets | 4.0217% | 1,009 |
| Loan and lease loss provision to assets | 0.0419% | 6,050 |
| Net operating income to assets | -0.3408% | 6,375 |
| Return on assets (ROA) | -0.1585% | 6,284 |
| Pretax return on assets | -0.1734% | 6,266 |
| Return on Equity (ROE) | -1.5861% | 6,304 |
| Retained earnings to average equity (ytd only) | -1.5861% | 6,102 |
| Net charge-offs to loans | 0.1723% | 4,772 |
| Credit loss provision to net charge-offs | 42.4242% | 5,583 |
| Earnings coverage of net charge-offs (x) | -3.3636% | 6,333 |
| Efficiency ratio | 108.9951% | 451 |
| Assets per employee ($millions) | 3.5327% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 2,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,873 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.2757% | 3,731 |
| Net loans and leases to deposits | 69.3260% | 4,228 |
| Net loans and leases to core deposits | 72.1369% | 4,506 |
| Total domestic deposits to total assets | 88.3877% | 1,913 |
| Equity capital to assets | 10.8888% | 3,089 |
| Core capital (leverage) ratio | 9.5948% | 3,879 |
| Tier 1 risk-based capital ratio | 15.4537% | 3,358 |
| Total risk-based capital ratio | 16.7122% | 3,310 |
| Memoranda: | ||
| Average total assets | $33,443,200 | 6,874 |
| Average earning assets | $31,910,200 | 6,813 |
| Average equity | $3,341,600 | 6,919 |
| Average total loans | $19,156,800 | 6,703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 6,602 |
| Cost of funding earning assets | 0.5850% | 6,354 |
| Net interest margin | 3.4070% | 5,548 |
| Noninterest income to average assets | 0.3702% | 4,912 |
| Noninterest expense to average assets | 3.8004% | 1,305 |
| Loan and lease loss provision to assets | 0.0551% | 5,754 |
| Net operating income to assets | -0.2033% | 6,389 |
| Return on assets (ROA) | 0.0315% | 6,205 |
| Pretax return on assets | 0.0354% | 6,180 |
| Return on Equity (ROE) | 0.3222% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.3222% | 5,853 |
| Net charge-offs to loans | 0.2317% | 3,981 |
| Credit loss provision to net charge-offs | 42.4242% | 5,190 |
| Earnings coverage of net charge-offs (x) | -1.3334% | 5,970 |
| Efficiency ratio | 104.7774% | 530 |
| Assets per employee ($millions) | 3.6451% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 6,962 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.9109% | 5,172 |
| Net loans and leases to deposits | 60.3741% | 5,589 |
| Net loans and leases to core deposits | 62.7185% | 5,748 |
| Total domestic deposits to total assets | 89.2946% | 1,260 |
| Equity capital to assets | 10.2268% | 4,050 |
| Core capital (leverage) ratio | 9.7023% | 3,846 |
| Tier 1 risk-based capital ratio | 18.8097% | 1,987 |
| Total risk-based capital ratio | 20.0734% | 1,946 |
| Memoranda: | ||
| Average total assets | $33,855,500 | 6,926 |
| Average earning assets | $32,364,000 | 6,855 |
| Average equity | $3,311,500 | 6,987 |
| Average total loans | $18,986,750 | 6,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 6,466 |
| Cost of funding earning assets | 0.6122% | 6,397 |
| Net interest margin | 3.5017% | 5,158 |
| Noninterest income to average assets | 0.3801% | 4,842 |
| Noninterest expense to average assets | 3.7596% | 1,426 |
| Loan and lease loss provision to assets | 0.0526% | 5,658 |
| Net operating income to assets | -0.0723% | 6,318 |
| Return on assets (ROA) | 0.1169% | 6,061 |
| Pretax return on assets | 0.1403% | 6,035 |
| Return on Equity (ROE) | 1.2132% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.2132% | 5,368 |
| Net charge-offs to loans | 0.2694% | 3,536 |
| Credit loss provision to net charge-offs | 34.6154% | 4,915 |
| Earnings coverage of net charge-offs (x) | -0.2308% | 5,421 |
| Efficiency ratio | 100.9419% | 694 |
| Assets per employee ($millions) | 3.3306% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 3,060 |
| Loan loss allowance to noncurrent loans | 5,100.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,958 |
| Noncurrent loans to loans | 0.0349% | 6,894 |
| Net loans and leases to total assets | 59.1485% | 4,434 |
| Net loans and leases to deposits | 66.2007% | 4,973 |
| Net loans and leases to core deposits | 69.3980% | 5,137 |
| Total domestic deposits to total assets | 89.3473% | 1,335 |
| Equity capital to assets | 10.0943% | 4,025 |
| Core capital (leverage) ratio | 9.5574% | 3,872 |
| Tier 1 risk-based capital ratio | 15.8303% | 3,063 |
| Total risk-based capital ratio | 17.0861% | 3,038 |
| Memoranda: | ||
| Average total assets | $34,205,330 | 6,982 |
| Average earning assets | $32,670,000 | 6,914 |
| Average equity | $3,297,000 | 7,042 |
| Average total loans | $19,302,000 | 6,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 6,753 |
| Cost of funding earning assets | 0.6156% | 6,546 |
| Net interest margin | 3.3435% | 5,631 |
| Noninterest income to average assets | 0.4155% | 4,583 |
| Noninterest expense to average assets | 3.6705% | 1,598 |
| Loan and lease loss provision to assets | 0.0577% | 5,280 |
| Net operating income to assets | -0.1847% | 6,544 |
| Return on assets (ROA) | -0.1847% | 6,565 |
| Pretax return on assets | -0.1154% | 6,465 |
| Return on Equity (ROE) | -1.9605% | 6,580 |
| Retained earnings to average equity (ytd only) | -1.9605% | 6,138 |
| Net charge-offs to loans | 0.7821% | 1,649 |
| Credit loss provision to net charge-offs | 13.5135% | 4,350 |
| Earnings coverage of net charge-offs (x) | -0.1351% | 4,663 |
| Efficiency ratio | 101.5974% | 689 |
| Assets per employee ($millions) | 3.3493% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,989 |
| Loan loss allowance to noncurrent loans | 950.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 6,692 |
| Noncurrent loans to loans | 0.1903% | 6,588 |
| Net loans and leases to total assets | 55.4743% | 5,083 |
| Net loans and leases to deposits | 61.8632% | 5,515 |
| Net loans and leases to core deposits | 64.8177% | 5,637 |
| Total domestic deposits to total assets | 89.6725% | 1,376 |
| Equity capital to assets | 9.7035% | 4,172 |
| Core capital (leverage) ratio | 9.4972% | 3,816 |
| Tier 1 risk-based capital ratio | 16.3924% | 2,709 |
| Total risk-based capital ratio | 17.6518% | 2,676 |
| Memoranda: | ||
| Average total assets | $34,655,000 | 7,021 |
| Average earning assets | $33,139,000 | 6,951 |
| Average equity | $3,264,500 | 7,090 |
| Average total loans | $18,924,500 | 6,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 7,237 |
| Cost of funding earning assets | 0.7633% | 6,695 |
| Net interest margin | 3.0683% | 6,600 |
| Noninterest income to average assets | 0.3134% | 5,551 |
| Noninterest expense to average assets | 3.6610% | 1,789 |
| Loan and lease loss provision to assets | 0.8547% | 1,913 |
| Net operating income to assets | -1.1766% | 6,781 |
| Return on assets (ROA) | -1.1766% | 6,800 |
| Pretax return on assets | -1.3049% | 6,782 |
| Return on Equity (ROE) | -11.9703% | 6,815 |
| Retained earnings to average equity (ytd only) | -11.9703% | 6,763 |
| Net charge-offs to loans | 0.6697% | 3,000 |
| Credit loss provision to net charge-offs | 234.3750% | 1,251 |
| Earnings coverage of net charge-offs (x) | -1.2344% | 6,643 |
| Efficiency ratio | 114.0195% | 475 |
| Assets per employee ($millions) | 3.5817% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,364 |
| Loan loss allowance to noncurrent loans | 542.0290% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,586 |
| Noncurrent loans to loans | 0.3646% | 6,330 |
| Net loans and leases to total assets | 51.7994% | 5,941 |
| Net loans and leases to deposits | 58.5527% | 6,207 |
| Net loans and leases to core deposits | 61.1927% | 6,303 |
| Total domestic deposits to total assets | 88.4664% | 1,966 |
| Equity capital to assets | 9.1549% | 4,911 |
| Core capital (leverage) ratio | 9.2389% | 4,111 |
| Tier 1 risk-based capital ratio | 15.8907% | 2,798 |
| Total risk-based capital ratio | 17.1489% | 2,756 |
| Memoranda: | ||
| Average total assets | $35,099,800 | 7,040 |
| Average earning assets | $33,145,800 | 6,977 |
| Average equity | $3,450,200 | 7,149 |
| Average total loans | $19,112,200 | 6,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 7,220 |
| Cost of funding earning assets | 0.7922% | 6,788 |
| Net interest margin | 3.2824% | 6,076 |
| Noninterest income to average assets | 0.3436% | 5,423 |
| Noninterest expense to average assets | 3.7646% | 1,442 |
| Loan and lease loss provision to assets | 1.0080% | 1,469 |
| Net operating income to assets | -1.1492% | 6,964 |
| Return on assets (ROA) | -1.1492% | 6,997 |
| Pretax return on assets | -1.3440% | 6,991 |
| Return on Equity (ROE) | -11.4893% | 6,987 |
| Retained earnings to average equity (ytd only) | -11.4893% | 6,948 |
| Net charge-offs to loans | 0.8560% | 2,307 |
| Credit loss provision to net charge-offs | 214.6341% | 1,629 |
| Earnings coverage of net charge-offs (x) | -0.7154% | 6,394 |
| Efficiency ratio | 109.7996% | 528 |
| Assets per employee ($millions) | 3.1347% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,257 |
| Loan loss allowance to noncurrent loans | 309.9099% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 6,409 |
| Noncurrent loans to loans | 0.6410% | 5,926 |
| Net loans and leases to total assets | 49.2199% | 6,406 |
| Net loans and leases to deposits | 54.9256% | 6,694 |
| Net loans and leases to core deposits | 57.4621% | 6,765 |
| Total domestic deposits to total assets | 89.6120% | 1,067 |
| Equity capital to assets | 9.7355% | 4,491 |
| Core capital (leverage) ratio | 9.3914% | 4,070 |
| Tier 1 risk-based capital ratio | 17.1245% | 2,297 |
| Total risk-based capital ratio | 18.3788% | 2,259 |
| Memoranda: | ||
| Average total assets | $34,920,500 | 7,132 |
| Average earning assets | $32,820,500 | 7,075 |
| Average equity | $3,493,000 | 7,229 |
| Average total loans | $19,158,500 | 7,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 7,142 |
| Cost of funding earning assets | 0.8021% | 6,913 |
| Net interest margin | 3.4213% | 5,557 |
| Noninterest income to average assets | 0.3080% | 5,692 |
| Noninterest expense to average assets | 3.7129% | 1,534 |
| Loan and lease loss provision to assets | 1.4772% | 900 |
| Net operating income to assets | -1.3403% | 7,094 |
| Return on assets (ROA) | -1.3403% | 7,110 |
| Pretax return on assets | -1.6711% | 7,136 |
| Return on Equity (ROE) | -13.2831% | 7,085 |
| Retained earnings to average equity (ytd only) | -13.2831% | 7,046 |
| Net charge-offs to loans | 1.2441% | 1,533 |
| Credit loss provision to net charge-offs | 210.5691% | 1,847 |
| Earnings coverage of net charge-offs (x) | -0.2764% | 5,917 |
| Efficiency ratio | 105.5105% | 638 |
| Assets per employee ($millions) | 3.5497% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,144 |
| Loan loss allowance to noncurrent loans | 312.9630% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 6,471 |
| Noncurrent loans to loans | 0.5375% | 6,175 |
| Net loans and leases to total assets | 55.6554% | 5,760 |
| Net loans and leases to deposits | 61.9699% | 6,239 |
| Net loans and leases to core deposits | 63.6305% | 6,433 |
| Total domestic deposits to total assets | 89.8104% | 1,015 |
| Equity capital to assets | 9.6431% | 4,480 |
| Core capital (leverage) ratio | 9.8711% | 3,313 |
| Tier 1 risk-based capital ratio | 15.8553% | 2,735 |
| Total risk-based capital ratio | 17.1106% | 2,699 |
| Memoranda: | ||
| Average total assets | $35,066,670 | 7,176 |
| Average earning assets | $32,911,670 | 7,119 |
| Average equity | $3,538,330 | 7,256 |
| Average total loans | $19,772,670 | 7,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 7,106 |
| Cost of funding earning assets | 0.8589% | 6,903 |
| Net interest margin | 3.4596% | 5,336 |
| Noninterest income to average assets | 0.3673% | 5,204 |
| Noninterest expense to average assets | 3.6612% | 1,595 |
| Loan and lease loss provision to assets | 1.7790% | 640 |
| Net operating income to assets | -1.4232% | 7,302 |
| Return on assets (ROA) | -1.4232% | 7,313 |
| Pretax return on assets | -1.7905% | 7,345 |
| Return on Equity (ROE) | -13.7931% | 7,286 |
| Retained earnings to average equity (ytd only) | -13.7931% | 7,164 |
| Net charge-offs to loans | -0.0204% | 7,083 |
| Credit loss provision to net charge-offs | -15,500.0000% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3145% | 827 |
| Assets per employee ($millions) | 3.3801% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 2,616 |
| Loan loss allowance to noncurrent loans | 90.4040% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1716% | 4,834 |
| Noncurrent loans to loans | 2.0324% | 3,738 |
| Net loans and leases to total assets | 56.5841% | 5,663 |
| Net loans and leases to deposits | 63.5373% | 6,104 |
| Net loans and leases to core deposits | 66.5970% | 6,240 |
| Total domestic deposits to total assets | 89.0565% | 1,490 |
| Equity capital to assets | 10.4553% | 3,288 |
| Core capital (leverage) ratio | 10.1246% | 3,011 |
| Tier 1 risk-based capital ratio | 17.0543% | 2,254 |
| Total risk-based capital ratio | 18.3090% | 2,201 |
| Memoranda: | ||
| Average total assets | $34,851,500 | 7,278 |
| Average earning assets | $33,067,000 | 7,201 |
| Average equity | $3,596,000 | 7,314 |
| Average total loans | $19,612,000 | 7,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 6,341 |
| Cost of funding earning assets | 1.0680% | 7,061 |
| Net interest margin | 3.9606% | 3,029 |
| Noninterest income to average assets | 0.2718% | 6,172 |
| Noninterest expense to average assets | 3.9410% | 1,452 |
| Loan and lease loss provision to assets | 0.9204% | 2,438 |
| Net operating income to assets | -0.3974% | 6,079 |
| Return on assets (ROA) | -0.5220% | 6,196 |
| Pretax return on assets | -1.0501% | 6,447 |
| Return on Equity (ROE) | -4.4049% | 6,151 |
| Retained earnings to average equity (ytd only) | -5.0826% | 6,032 |
| Net charge-offs to loans | 1.6592% | 1,525 |
| Credit loss provision to net charge-offs | 92.5466% | 5,915 |
| Earnings coverage of net charge-offs (x) | 0.0652% | 6,097 |
| Efficiency ratio | 98.3809% | 1,190 |
| Assets per employee ($millions) | 3.2638% | 5,579 |
| Cash dividends to net income (ytd only)* | -15.3846% | 7,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,252 |
| Loan loss allowance to noncurrent loans | 50.5000% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 4,862 |
| Noncurrent loans to loans | 2.0263% | 3,613 |
| Net loans and leases to total assets | 54.4204% | 6,152 |
| Net loans and leases to deposits | 60.9477% | 6,566 |
| Net loans and leases to core deposits | 72.5107% | 6,620 |
| Total domestic deposits to total assets | 89.2903% | 1,338 |
| Equity capital to assets | 10.1888% | 3,522 |
| Core capital (leverage) ratio | 10.8148% | 2,337 |
| Tier 1 risk-based capital ratio | 16.7253% | 2,226 |
| Total risk-based capital ratio | 17.6489% | 2,308 |
| Memoranda: | ||
| Average total assets | $32,377,800 | 7,385 |
| Average earning assets | $30,525,600 | 7,338 |
| Average equity | $3,836,600 | 7,345 |
| Average total loans | $19,407,000 | 7,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 4,090 |
| Cost of funding earning assets | 1.1402% | 7,065 |
| Net interest margin | 4.4217% | 1,389 |
| Noninterest income to average assets | 0.2921% | 6,142 |
| Noninterest expense to average assets | 4.2543% | 970 |
| Loan and lease loss provision to assets | 0.0339% | 7,020 |
| Net operating income to assets | 0.1016% | 5,460 |
| Return on assets (ROA) | 0.1016% | 5,508 |
| Pretax return on assets | 0.1736% | 5,353 |
| Return on Equity (ROE) | 0.8245% | 5,552 |
| Retained earnings to average equity (ytd only) | -0.0688% | 5,224 |
| Net charge-offs to loans | -0.0552% | 7,865 |
| Credit loss provision to net charge-offs | -100.0000% | 7,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3510% | 1,312 |
| Assets per employee ($millions) | 2.9800% | 6,216 |
| Cash dividends to net income (ytd only)* | 108.3438% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,692 |
| Loan loss allowance to noncurrent loans | 29.4046% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 2.5107% | 2,764 |
| Noncurrent loans to loans | 4.3184% | 1,655 |
| Net loans and leases to total assets | 57.4009% | 5,978 |
| Net loans and leases to deposits | 65.8524% | 6,323 |
| Net loans and leases to core deposits | 81.4017% | 6,244 |
| Total domestic deposits to total assets | 87.1660% | 2,095 |
| Equity capital to assets | 11.7480% | 2,398 |
| Core capital (leverage) ratio | 11.6520% | 1,990 |
| Tier 1 risk-based capital ratio | 18.4780% | 1,867 |
| Total risk-based capital ratio | 19.6392% | 1,839 |
| Memoranda: | ||
| Average total assets | $31,496,750 | 7,481 |
| Average earning assets | $29,701,250 | 7,430 |
| Average equity | $3,881,250 | 7,389 |
| Average total loans | $19,323,750 | 7,300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 2,644 |
| Cost of funding earning assets | 1.1789% | 7,170 |
| Net interest margin | 4.7089% | 784 |
| Noninterest income to average assets | 0.3026% | 6,101 |
| Noninterest expense to average assets | 4.2937% | 954 |
| Loan and lease loss provision to assets | 0.0193% | 7,035 |
| Net operating income to assets | 0.3347% | 4,740 |
| Return on assets (ROA) | 0.3347% | 4,851 |
| Pretax return on assets | 0.4120% | 4,898 |
| Return on Equity (ROE) | 2.6726% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.6726% | 3,839 |
| Net charge-offs to loans | -0.0824% | 7,924 |
| Credit loss provision to net charge-offs | -37.5000% | 6,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8719% | 1,739 |
| Assets per employee ($millions) | 2.8703% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,164 |
| Loan loss allowance to noncurrent loans | 75.7188% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 4,984 |
| Noncurrent loans to loans | 1.5396% | 4,191 |
| Net loans and leases to total assets | 63.6398% | 5,057 |
| Net loans and leases to deposits | 73.4581% | 5,540 |
| Net loans and leases to core deposits | 91.1702% | 5,431 |
| Total domestic deposits to total assets | 86.6341% | 2,443 |
| Equity capital to assets | 12.3682% | 1,997 |
| Core capital (leverage) ratio | 12.0246% | 1,820 |
| Tier 1 risk-based capital ratio | 18.0988% | 1,988 |
| Total risk-based capital ratio | 19.1973% | 1,972 |
| Memoranda: | ||
| Average total assets | $31,069,000 | 7,564 |
| Average earning assets | $29,178,670 | 7,524 |
| Average equity | $3,891,330 | 7,453 |
| Average total loans | $19,412,330 | 7,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2297% | 1,503 |
| Cost of funding earning assets | 1.2321% | 7,221 |
| Net interest margin | 4.9976% | 402 |
| Noninterest income to average assets | 0.3634% | 5,528 |
| Noninterest expense to average assets | 4.1536% | 993 |
| Loan and lease loss provision to assets | 0.0130% | 6,680 |
| Net operating income to assets | 0.8177% | 3,058 |
| Return on assets (ROA) | 0.8177% | 3,211 |
| Pretax return on assets | 0.8826% | 3,780 |
| Return on Equity (ROE) | 6.4873% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4873% | 2,419 |
| Net charge-offs to loans | -0.1899% | 8,003 |
| Credit loss provision to net charge-offs | -11.1111% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2622% | 2,501 |
| Assets per employee ($millions) | 2.8314% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,709 |
| Loan loss allowance to noncurrent loans | 1,026.0870% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 7,374 |
| Noncurrent loans to loans | 0.1183% | 7,184 |
| Net loans and leases to total assets | 61.6825% | 5,391 |
| Net loans and leases to deposits | 71.2653% | 5,834 |
| Net loans and leases to core deposits | 86.5399% | 5,864 |
| Total domestic deposits to total assets | 86.5532% | 2,424 |
| Equity capital to assets | 12.5734% | 1,935 |
| Core capital (leverage) ratio | 12.7520% | 1,580 |
| Tier 1 risk-based capital ratio | 19.3078% | 1,754 |
| Total risk-based capital ratio | 20.4714% | 1,731 |
| Memoranda: | ||
| Average total assets | $30,817,000 | 7,613 |
| Average earning assets | $28,894,000 | 7,576 |
| Average equity | $3,884,500 | 7,494 |
| Average total loans | $18,953,500 | 7,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1071% | 5,003 |
| Cost of funding earning assets | 1.5969% | 7,459 |
| Net interest margin | 4.5103% | 1,396 |
| Noninterest income to average assets | 0.3255% | 6,121 |
| Noninterest expense to average assets | 4.0487% | 1,346 |
| Loan and lease loss provision to assets | -0.2192% | 8,273 |
| Net operating income to assets | 0.8237% | 3,340 |
| Return on assets (ROA) | 0.3487% | 5,169 |
| Pretax return on assets | 0.2425% | 5,644 |
| Return on Equity (ROE) | 2.7116% | 5,341 |
| Retained earnings to average equity (ytd only) | 1.0588% | 4,587 |
| Net charge-offs to loans | -0.4889% | 8,216 |
| Credit loss provision to net charge-offs | 71.7391% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0431% | 1,584 |
| Assets per employee ($millions) | 2.7717% | 6,629 |
| Cash dividends to net income (ytd only)* | 60.9524% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 4,348 |
| Loan loss allowance to noncurrent loans | 108.1340% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 5,170 |
| Noncurrent loans to loans | 1.1322% | 4,281 |
| Net loans and leases to total assets | 59.8052% | 5,940 |
| Net loans and leases to deposits | 69.0917% | 6,364 |
| Net loans and leases to core deposits | 81.0400% | 6,533 |
| Total domestic deposits to total assets | 86.5591% | 2,152 |
| Equity capital to assets | 12.6373% | 1,950 |
| Core capital (leverage) ratio | 12.5615% | 1,723 |
| Tier 1 risk-based capital ratio | 19.8261% | 1,649 |
| Total risk-based capital ratio | 20.9890% | 1,619 |
| Memoranda: | ||
| Average total assets | $30,108,600 | 7,645 |
| Average earning assets | $28,180,200 | 7,610 |
| Average equity | $3,872,200 | 7,558 |
| Average total loans | $18,816,400 | 7,415 |