Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers 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 | 3.8589% | 5,892 |
| Cost of funding earning assets | 0.7602% | 3,272 |
| Net interest margin | 3.0987% | 5,939 |
| Noninterest income to average assets | 1.0506% | 1,377 |
| Noninterest expense to average assets | 3.4657% | 1,842 |
| Loan and lease loss provision to assets | 0.1023% | 4,297 |
| Net operating income to assets | 0.4025% | 5,238 |
| Return on assets (ROA) | 0.4025% | 5,462 |
| Pretax return on assets | 0.4025% | 5,711 |
| Return on Equity (ROE) | 2.8095% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.5241% | 5,577 |
| Net charge-offs to loans | -0.0379% | 6,635 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2852% | 1,274 |
| Assets per employee ($millions) | 2.7683% | 6,397 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 1,119 |
| Loan loss allowance to noncurrent loans | 56.5916% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.2242% | 2,404 |
| Noncurrent loans to loans | 4.5355% | 1,038 |
| Net loans and leases to total assets | 34.4772% | 6,637 |
| Net loans and leases to deposits | 40.7155% | 6,653 |
| Net loans and leases to core deposits | 40.7155% | 6,715 |
| Total domestic deposits to total assets | 84.6785% | 3,903 |
| Equity capital to assets | 14.7229% | 898 |
| Core capital (leverage) ratio | 13.9483% | 854 |
| Tier 1 risk-based capital ratio | 35.7980% | 332 |
| Total risk-based capital ratio | 36.9171% | 329 |
| Memoranda: | ||
| Average total assets | $19,543,500 | 7,056 |
| Average earning assets | $18,415,750 | 7,022 |
| Average equity | $2,799,750 | 6,911 |
| Average total loans | $7,046,500 | 7,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 5,892 |
| Cost of funding earning assets | 0.7598% | 3,521 |
| Net interest margin | 3.1478% | 5,869 |
| Noninterest income to average assets | 0.7245% | 2,534 |
| Noninterest expense to average assets | 3.3166% | 2,264 |
| Loan and lease loss provision to assets | 0.1020% | 4,245 |
| Net operating income to assets | 0.2653% | 5,718 |
| Return on assets (ROA) | 0.2653% | 5,909 |
| Pretax return on assets | 0.2653% | 6,026 |
| Return on Equity (ROE) | 1.8692% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.3659% | 5,511 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0277% | 1,067 |
| Assets per employee ($millions) | 2.7826% | 6,433 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3218% | 1,556 |
| Loan loss allowance to noncurrent loans | 71.7300% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 2,995 |
| Noncurrent loans to loans | 3.2368% | 1,797 |
| Net loans and leases to total assets | 36.7183% | 6,569 |
| Net loans and leases to deposits | 43.1754% | 6,594 |
| Net loans and leases to core deposits | 46.5020% | 6,549 |
| Total domestic deposits to total assets | 85.0447% | 3,835 |
| Equity capital to assets | 14.5241% | 911 |
| Core capital (leverage) ratio | 13.9164% | 826 |
| Tier 1 risk-based capital ratio | 35.4647% | 332 |
| Total risk-based capital ratio | 36.7202% | 326 |
| Memoranda: | ||
| Average total assets | $19,598,670 | 7,114 |
| Average earning assets | $18,425,670 | 7,081 |
| Average equity | $2,782,000 | 6,955 |
| Average total loans | $7,109,670 | 7,096 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 6,385 |
| Cost of funding earning assets | 0.7595% | 3,792 |
| Net interest margin | 2.9729% | 6,353 |
| Noninterest income to average assets | 0.8953% | 1,763 |
| Noninterest expense to average assets | 3.3572% | 2,121 |
| Loan and lease loss provision to assets | 0.1017% | 4,063 |
| Net operating income to assets | 0.2238% | 5,911 |
| Return on assets (ROA) | 0.2238% | 6,054 |
| Pretax return on assets | 0.2238% | 6,149 |
| Return on Equity (ROE) | 1.5951% | 6,193 |
| Retained earnings to average equity (ytd only) | 1.5951% | 5,440 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1602% | 1,003 |
| Assets per employee ($millions) | 2.8650% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4555% | 1,418 |
| Loan loss allowance to noncurrent loans | 62.1212% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.9147% | 3,027 |
| Noncurrent loans to loans | 3.9527% | 1,556 |
| Net loans and leases to total assets | 32.4857% | 6,805 |
| Net loans and leases to deposits | 37.8867% | 6,824 |
| Net loans and leases to core deposits | 38.4570% | 6,870 |
| Total domestic deposits to total assets | 85.7442% | 3,661 |
| Equity capital to assets | 13.6774% | 1,157 |
| Core capital (leverage) ratio | 13.8269% | 852 |
| Tier 1 risk-based capital ratio | 35.9164% | 317 |
| Total risk-based capital ratio | 37.1698% | 307 |
| Memoranda: | ||
| Average total assets | $19,659,000 | 7,173 |
| Average earning assets | $18,433,000 | 7,141 |
| Average equity | $2,758,500 | 7,008 |
| Average total loans | $7,003,500 | 7,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,187 |
| Cost of funding earning assets | 0.8323% | 4,612 |
| Net interest margin | 3.6354% | 4,590 |
| Noninterest income to average assets | 0.7244% | 2,477 |
| Noninterest expense to average assets | 3.6984% | 1,542 |
| Loan and lease loss provision to assets | 0.1089% | 5,231 |
| Net operating income to assets | 0.3431% | 5,098 |
| Return on assets (ROA) | 0.3431% | 5,253 |
| Pretax return on assets | 0.3431% | 5,444 |
| Return on Equity (ROE) | 2.2821% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.9418% | 5,995 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1076% | 1,261 |
| Assets per employee ($millions) | 2.7519% | 6,532 |
| Cash dividends to net income (ytd only)* | 141.2698% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 1,859 |
| Loan loss allowance to noncurrent loans | 76.0766% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7079% | 3,387 |
| Noncurrent loans to loans | 2.8521% | 2,291 |
| Net loans and leases to total assets | 37.2164% | 6,686 |
| Net loans and leases to deposits | 43.6177% | 6,739 |
| Net loans and leases to core deposits | 44.3050% | 6,803 |
| Total domestic deposits to total assets | 85.3242% | 3,676 |
| Equity capital to assets | 14.4007% | 931 |
| Core capital (leverage) ratio | 13.5016% | 963 |
| Tier 1 risk-based capital ratio | 32.3698% | 415 |
| Total risk-based capital ratio | 33.6261% | 403 |
| Memoranda: | ||
| Average total assets | $18,359,400 | 7,236 |
| Average earning assets | $17,302,000 | 7,199 |
| Average equity | $2,760,600 | 7,065 |
| Average total loans | $7,305,000 | 7,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 5,221 |
| Cost of funding earning assets | 0.8485% | 4,784 |
| Net interest margin | 3.6664% | 4,496 |
| Noninterest income to average assets | 0.7500% | 2,315 |
| Noninterest expense to average assets | 3.6837% | 1,527 |
| Loan and lease loss provision to assets | 0.1103% | 5,056 |
| Net operating income to assets | 0.4191% | 4,910 |
| Return on assets (ROA) | 0.4191% | 5,103 |
| Pretax return on assets | 0.4191% | 5,412 |
| Return on Equity (ROE) | 2.7564% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.4352% | 5,818 |
| Net charge-offs to loans | -0.0366% | 6,997 |
| Credit loss provision to net charge-offs | -750.0000% | 6,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4346% | 1,395 |
| Assets per employee ($millions) | 2.8293% | 6,438 |
| Cash dividends to net income (ytd only)* | 84.2105% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,313 |
| Loan loss allowance to noncurrent loans | 821.0526% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 5,392 |
| Noncurrent loans to loans | 0.2448% | 6,387 |
| Net loans and leases to total assets | 38.4044% | 6,749 |
| Net loans and leases to deposits | 45.0272% | 6,789 |
| Net loans and leases to core deposits | 45.7146% | 6,856 |
| Total domestic deposits to total assets | 85.2916% | 3,621 |
| Equity capital to assets | 14.2338% | 1,073 |
| Core capital (leverage) ratio | 14.4051% | 789 |
| Tier 1 risk-based capital ratio | 31.4550% | 472 |
| Total risk-based capital ratio | 32.7136% | 465 |
| Memoranda: | ||
| Average total assets | $18,133,500 | 7,317 |
| Average earning assets | $17,127,750 | 7,274 |
| Average equity | $2,757,250 | 7,133 |
| Average total loans | $7,299,250 | 7,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 4,848 |
| Cost of funding earning assets | 0.8871% | 4,778 |
| Net interest margin | 3.7427% | 4,068 |
| Noninterest income to average assets | 0.7738% | 2,139 |
| Noninterest expense to average assets | 3.7778% | 1,381 |
| Loan and lease loss provision to assets | 0.1138% | 4,871 |
| Net operating income to assets | 0.3869% | 5,016 |
| Return on assets (ROA) | 0.3869% | 5,151 |
| Pretax return on assets | 0.3869% | 5,436 |
| Return on Equity (ROE) | 2.4848% | 5,610 |
| Retained earnings to average equity (ytd only) | -0.4385% | 5,940 |
| Net charge-offs to loans | -0.0560% | 7,047 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2979% | 1,387 |
| Assets per employee ($millions) | 2.5723% | 6,834 |
| Cash dividends to net income (ytd only)* | 117.6471% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 2,351 |
| Loan loss allowance to noncurrent loans | 91.5152% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5828% | 3,823 |
| Noncurrent loans to loans | 2.1936% | 3,232 |
| Net loans and leases to total assets | 40.9364% | 6,674 |
| Net loans and leases to deposits | 48.8049% | 6,680 |
| Net loans and leases to core deposits | 49.6364% | 6,773 |
| Total domestic deposits to total assets | 83.8776% | 4,402 |
| Equity capital to assets | 15.3727% | 724 |
| Core capital (leverage) ratio | 14.9121% | 685 |
| Tier 1 risk-based capital ratio | 26.0501% | 810 |
| Total risk-based capital ratio | 27.3073% | 791 |
| Memoranda: | ||
| Average total assets | $17,576,330 | 7,394 |
| Average earning assets | $16,458,670 | 7,367 |
| Average equity | $2,736,670 | 7,193 |
| Average total loans | $7,145,000 | 7,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 5,008 |
| Cost of funding earning assets | 0.9369% | 4,672 |
| Net interest margin | 3.6491% | 4,333 |
| Noninterest income to average assets | 0.7833% | 2,098 |
| Noninterest expense to average assets | 3.8476% | 1,252 |
| Loan and lease loss provision to assets | 0.1152% | 4,571 |
| Net operating income to assets | 0.2304% | 5,679 |
| Return on assets (ROA) | 0.2304% | 5,744 |
| Pretax return on assets | 0.2304% | 5,865 |
| Return on Equity (ROE) | 1.4700% | 5,992 |
| Retained earnings to average equity (ytd only) | -2.9401% | 6,288 |
| Net charge-offs to loans | -0.0575% | 6,929 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7582% | 1,182 |
| Assets per employee ($millions) | 2.4870% | 7,004 |
| Cash dividends to net income (ytd only)* | 300.0000% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 2,137 |
| Loan loss allowance to noncurrent loans | 86.8263% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.6486% | 3,775 |
| Noncurrent loans to loans | 2.4433% | 3,045 |
| Net loans and leases to total assets | 38.4284% | 6,878 |
| Net loans and leases to deposits | 45.7937% | 6,863 |
| Net loans and leases to core deposits | 46.5942% | 6,948 |
| Total domestic deposits to total assets | 83.9164% | 4,521 |
| Equity capital to assets | 15.5552% | 653 |
| Core capital (leverage) ratio | 15.1475% | 635 |
| Tier 1 risk-based capital ratio | 35.7200% | 330 |
| Total risk-based capital ratio | 36.9828% | 324 |
| Memoranda: | ||
| Average total assets | $17,361,500 | 7,457 |
| Average earning assets | $16,223,000 | 7,431 |
| Average equity | $2,721,000 | 7,239 |
| Average total loans | $6,956,500 | 7,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 3,679 |
| Cost of funding earning assets | 1.1063% | 5,105 |
| Net interest margin | 4.0776% | 2,673 |
| Noninterest income to average assets | 0.8308% | 2,139 |
| Noninterest expense to average assets | 3.8282% | 1,433 |
| Loan and lease loss provision to assets | 0.1516% | 5,684 |
| Net operating income to assets | 0.4715% | 4,223 |
| Return on assets (ROA) | 0.4715% | 4,387 |
| Pretax return on assets | 0.4715% | 4,719 |
| Return on Equity (ROE) | 3.0675% | 4,929 |
| Retained earnings to average equity (ytd only) | 0.1826% | 5,482 |
| Net charge-offs to loans | 0.3023% | 4,503 |
| Credit loss provision to net charge-offs | 117.3913% | 3,642 |
| Earnings coverage of net charge-offs (x) | 4.8261% | 2,788 |
| Efficiency ratio | 86.0025% | 1,695 |
| Assets per employee ($millions) | 2.4734% | 7,049 |
| Cash dividends to net income (ytd only)* | 94.0476% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 2,394 |
| Loan loss allowance to noncurrent loans | 102.9630% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 4,113 |
| Noncurrent loans to loans | 1.9073% | 3,679 |
| Net loans and leases to total assets | 40.0774% | 6,957 |
| Net loans and leases to deposits | 47.8090% | 6,956 |
| Net loans and leases to core deposits | 48.6504% | 7,038 |
| Total domestic deposits to total assets | 83.8281% | 4,436 |
| Equity capital to assets | 15.7907% | 622 |
| Core capital (leverage) ratio | 14.7174% | 711 |
| Tier 1 risk-based capital ratio | 35.0792% | 348 |
| Total risk-based capital ratio | 36.3363% | 341 |
| Memoranda: | ||
| Average total assets | $17,815,000 | 7,513 |
| Average earning assets | $15,818,000 | 7,500 |
| Average equity | $2,738,400 | 7,346 |
| Average total loans | $7,608,400 | 7,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 3,568 |
| Cost of funding earning assets | 1.1331% | 5,233 |
| Net interest margin | 4.1183% | 2,538 |
| Noninterest income to average assets | 0.8770% | 1,884 |
| Noninterest expense to average assets | 3.8200% | 1,342 |
| Loan and lease loss provision to assets | 0.1635% | 5,406 |
| Net operating income to assets | 0.5128% | 4,256 |
| Return on assets (ROA) | 0.5128% | 4,446 |
| Pretax return on assets | 0.5128% | 4,883 |
| Return on Equity (ROE) | 3.3583% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.0706% | 5,386 |
| Net charge-offs to loans | 0.3962% | 3,702 |
| Credit loss provision to net charge-offs | 95.6522% | 4,534 |
| Earnings coverage of net charge-offs (x) | 3.9560% | 3,236 |
| Efficiency ratio | 84.9587% | 1,734 |
| Assets per employee ($millions) | 2.5739% | 6,984 |
| Cash dividends to net income (ytd only)* | 68.1196% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 2,647 |
| Loan loss allowance to noncurrent loans | 65.6863% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7983% | 3,749 |
| Noncurrent loans to loans | 2.8080% | 2,840 |
| Net loans and leases to total assets | 39.5793% | 7,097 |
| Net loans and leases to deposits | 47.1440% | 7,122 |
| Net loans and leases to core deposits | 47.1440% | 7,229 |
| Total domestic deposits to total assets | 83.9540% | 4,155 |
| Equity capital to assets | 15.5298% | 766 |
| Core capital (leverage) ratio | 15.2484% | 670 |
| Tier 1 risk-based capital ratio | 35.5776% | 334 |
| Total risk-based capital ratio | 36.8317% | 329 |
| Memoranda: | ||
| Average total assets | $17,940,250 | 7,605 |
| Average earning assets | $15,766,750 | 7,598 |
| Average equity | $2,739,500 | 7,440 |
| Average total loans | $7,741,000 | 7,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 3,792 |
| Cost of funding earning assets | 1.1669% | 5,305 |
| Net interest margin | 4.0654% | 2,720 |
| Noninterest income to average assets | 0.9266% | 1,597 |
| Noninterest expense to average assets | 3.8516% | 1,266 |
| Loan and lease loss provision to assets | 0.1898% | 4,980 |
| Net operating income to assets | 0.5024% | 4,317 |
| Return on assets (ROA) | 0.5024% | 4,466 |
| Pretax return on assets | 0.5024% | 4,895 |
| Return on Equity (ROE) | 3.3088% | 5,096 |
| Retained earnings to average equity (ytd only) | 0.5147% | 5,557 |
| Net charge-offs to loans | 0.6076% | 2,713 |
| Credit loss provision to net charge-offs | 70.8333% | 4,948 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 3,704 |
| Efficiency ratio | 84.7666% | 1,838 |
| Assets per employee ($millions) | 2.4870% | 7,120 |
| Cash dividends to net income (ytd only)* | 84.4444% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,224 |
| Loan loss allowance to noncurrent loans | 70.7182% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,856 |
| Noncurrent loans to loans | 2.3470% | 3,316 |
| Net loans and leases to total assets | 43.5637% | 6,958 |
| Net loans and leases to deposits | 52.0486% | 6,973 |
| Net loans and leases to core deposits | 52.0486% | 7,134 |
| Total domestic deposits to total assets | 83.6981% | 4,246 |
| Equity capital to assets | 15.8079% | 705 |
| Core capital (leverage) ratio | 15.1247% | 702 |
| Tier 1 risk-based capital ratio | 24.5311% | 889 |
| Total risk-based capital ratio | 25.7023% | 880 |
| Memoranda: | ||
| Average total assets | $17,914,670 | 7,673 |
| Average earning assets | $15,939,330 | 7,658 |
| Average equity | $2,720,000 | 7,496 |
| Average total loans | $7,899,670 | 7,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 3,952 |
| Cost of funding earning assets | 1.2785% | 4,941 |
| Net interest margin | 3.9339% | 3,178 |
| Noninterest income to average assets | 0.9247% | 1,535 |
| Noninterest expense to average assets | 3.8090% | 1,318 |
| Loan and lease loss provision to assets | 0.0881% | 5,754 |
| Net operating income to assets | 0.5504% | 4,136 |
| Return on assets (ROA) | 0.5504% | 4,271 |
| Pretax return on assets | 0.5504% | 4,784 |
| Return on Equity (ROE) | 3.6982% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.6982% | 3,937 |
| Net charge-offs to loans | 0.3002% | 3,215 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,537 |
| Efficiency ratio | 85.6436% | 1,830 |
| Assets per employee ($millions) | 2.5717% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,931 |
| Loan loss allowance to noncurrent loans | 109.9174% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 4,511 |
| Noncurrent loans to loans | 1.5815% | 4,370 |
| Net loans and leases to total assets | 41.7620% | 7,141 |
| Net loans and leases to deposits | 49.5714% | 7,149 |
| Net loans and leases to core deposits | 49.5714% | 7,297 |
| Total domestic deposits to total assets | 84.2462% | 4,021 |
| Equity capital to assets | 15.0761% | 865 |
| Core capital (leverage) ratio | 14.9009% | 768 |
| Tier 1 risk-based capital ratio | 27.0549% | 705 |
| Total risk-based capital ratio | 28.3079% | 688 |
| Memoranda: | ||
| Average total assets | $18,167,500 | 7,770 |
| Average earning assets | $16,269,000 | 7,747 |
| Average equity | $2,704,000 | 7,580 |
| Average total loans | $7,993,500 | 7,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 2,197 |
| Cost of funding earning assets | 1.5974% | 5,039 |
| Net interest margin | 4.3098% | 1,690 |
| Noninterest income to average assets | 1.0011% | 1,570 |
| Noninterest expense to average assets | 4.0710% | 1,270 |
| Loan and lease loss provision to assets | 0.0389% | 7,157 |
| Net operating income to assets | 0.5673% | 3,456 |
| Return on assets (ROA) | 0.5673% | 3,535 |
| Pretax return on assets | 0.5673% | 3,997 |
| Return on Equity (ROE) | 3.7890% | 4,169 |
| Retained earnings to average equity (ytd only) | 1.1516% | 4,244 |
| Net charge-offs to loans | 0.1639% | 5,643 |
| Credit loss provision to net charge-offs | 53.8462% | 6,704 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 1,952 |
| Efficiency ratio | 87.0392% | 1,989 |
| Assets per employee ($millions) | 2.2916% | 7,478 |
| Cash dividends to net income (ytd only)* | 69.6078% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 3,200 |
| Loan loss allowance to noncurrent loans | 675.0000% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 5,574 |
| Noncurrent loans to loans | 0.2399% | 6,831 |
| Net loans and leases to total assets | 44.7335% | 7,073 |
| Net loans and leases to deposits | 53.4755% | 7,088 |
| Net loans and leases to core deposits | 64.6512% | 7,049 |
| Total domestic deposits to total assets | 83.6524% | 4,204 |
| Equity capital to assets | 14.6948% | 976 |
| Core capital (leverage) ratio | 14.4462% | 891 |
| Tier 1 risk-based capital ratio | 30.2147% | 513 |
| Total risk-based capital ratio | 31.4689% | 498 |
| Memoranda: | ||
| Average total assets | $17,981,000 | 7,826 |
| Average earning assets | $15,337,000 | 7,837 |
| Average equity | $2,692,000 | 7,680 |
| Average total loans | $7,934,000 | 7,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 1,829 |
| Cost of funding earning assets | 1.7001% | 4,900 |
| Net interest margin | 4.3525% | 1,582 |
| Noninterest income to average assets | 1.0358% | 1,478 |
| Noninterest expense to average assets | 4.0387% | 1,228 |
| Loan and lease loss provision to assets | 0.0298% | 7,051 |
| Net operating income to assets | 0.6110% | 3,574 |
| Return on assets (ROA) | 0.6110% | 3,619 |
| Pretax return on assets | 0.6110% | 4,155 |
| Return on Equity (ROE) | 4.0620% | 4,352 |
| Retained earnings to average equity (ytd only) | 2.5265% | 3,909 |
| Net charge-offs to loans | 0.0851% | 5,835 |
| Credit loss provision to net charge-offs | 80.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | 17.1904% | 1,421 |
| Efficiency ratio | 86.3057% | 2,027 |
| Assets per employee ($millions) | 2.2950% | 7,505 |
| Cash dividends to net income (ytd only)* | 37.8030% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 2,780 |
| Loan loss allowance to noncurrent loans | 1,555.5556% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,726 |
| Noncurrent loans to loans | 0.1065% | 7,209 |
| Net loans and leases to total assets | 45.2778% | 7,154 |
| Net loans and leases to deposits | 53.7502% | 7,229 |
| Net loans and leases to core deposits | 67.0241% | 7,114 |
| Total domestic deposits to total assets | 84.2375% | 3,605 |
| Equity capital to assets | 14.8747% | 1,041 |
| Core capital (leverage) ratio | 14.7263% | 910 |
| Tier 1 risk-based capital ratio | 32.9298% | 446 |
| Total risk-based capital ratio | 34.1893% | 435 |
| Memoranda: | ||
| Average total assets | $17,893,000 | 7,911 |
| Average earning assets | $14,979,500 | 7,924 |
| Average equity | $2,691,500 | 7,755 |
| Average total loans | $7,833,500 | 7,867 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0339% | 2,041 |
| Cost of funding earning assets | 1.8142% | 4,690 |
| Net interest margin | 4.2197% | 1,920 |
| Noninterest income to average assets | 1.0712% | 1,382 |
| Noninterest expense to average assets | 4.1720% | 1,103 |
| Loan and lease loss provision to assets | 0.0338% | 6,901 |
| Net operating income to assets | 0.4059% | 4,493 |
| Return on assets (ROA) | 0.4059% | 4,599 |
| Pretax return on assets | 0.4059% | 4,916 |
| Return on Equity (ROE) | 2.6882% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.0454% | 4,744 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4645% | 1,767 |
| Assets per employee ($millions) | 2.2675% | 7,601 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 5,757 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.9581% | 7,331 |
| Net loans and leases to deposits | 51.9716% | 7,384 |
| Net loans and leases to core deposits | 63.8073% | 7,308 |
| Total domestic deposits to total assets | 84.5810% | 3,462 |
| Equity capital to assets | 14.7409% | 1,098 |
| Core capital (leverage) ratio | 14.6537% | 987 |
| Tier 1 risk-based capital ratio | 24.3404% | 994 |
| Total risk-based capital ratio | 25.5955% | 980 |
| Memoranda: | ||
| Average total assets | $17,737,330 | 7,994 |
| Average earning assets | $14,882,670 | 8,008 |
| Average equity | $2,678,330 | 7,827 |
| Average total loans | $7,627,000 | 7,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 1,707 |
| Cost of funding earning assets | 1.9917% | 4,176 |
| Net interest margin | 4.1743% | 1,996 |
| Noninterest income to average assets | 1.2089% | 983 |
| Noninterest expense to average assets | 3.9462% | 1,249 |
| Loan and lease loss provision to assets | 0.0684% | 6,093 |
| Net operating income to assets | 0.6843% | 3,636 |
| Return on assets (ROA) | 0.6843% | 3,821 |
| Pretax return on assets | 0.6843% | 4,490 |
| Return on Equity (ROE) | 4.4768% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4768% | 3,439 |
| Net charge-offs to loans | -0.0542% | 7,717 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9806% | 2,309 |
| Assets per employee ($millions) | 2.2114% | 7,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 1,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 5,029 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.2228% | 7,655 |
| Net loans and leases to deposits | 45.5016% | 7,680 |
| Net loans and leases to core deposits | 55.7691% | 7,628 |
| Total domestic deposits to total assets | 84.0032% | 3,700 |
| Equity capital to assets | 15.2224% | 1,039 |
| Core capital (leverage) ratio | 15.0850% | 951 |
| Tier 1 risk-based capital ratio | 36.0448% | 405 |
| Total risk-based capital ratio | 37.2993% | 396 |
| Memoranda: | ||
| Average total assets | $17,536,000 | 8,048 |
| Average earning assets | $14,661,000 | 8,069 |
| Average equity | $2,680,500 | 7,873 |
| Average total loans | $7,381,500 | 8,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5179% | 2,875 |
| Cost of funding earning assets | 2.1661% | 5,749 |
| Net interest margin | 4.3518% | 1,817 |
| Noninterest income to average assets | 1.2972% | 871 |
| Noninterest expense to average assets | 4.3757% | 971 |
| Loan and lease loss provision to assets | 0.0717% | 6,496 |
| Net operating income to assets | 0.8249% | 3,336 |
| Return on assets (ROA) | 0.8249% | 3,173 |
| Pretax return on assets | 0.8249% | 3,977 |
| Return on Equity (ROE) | 5.1431% | 4,315 |
| Retained earnings to average equity (ytd only) | -0.4100% | 5,408 |
| Net charge-offs to loans | 0.2011% | 4,189 |
| Credit loss provision to net charge-offs | 75.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,696 |
| Efficiency ratio | 82.9932% | 2,183 |
| Assets per employee ($millions) | 2.1726% | 7,748 |
| Cash dividends to net income (ytd only)* | 107.9710% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 1,647 |
| Loan loss allowance to noncurrent loans | 2,820.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,571 |
| Noncurrent loans to loans | 0.0636% | 7,248 |
| Net loans and leases to total assets | 44.3875% | 7,445 |
| Net loans and leases to deposits | 52.8678% | 7,496 |
| Net loans and leases to core deposits | 65.3869% | 7,382 |
| Total domestic deposits to total assets | 83.9595% | 3,340 |
| Equity capital to assets | 15.3501% | 1,073 |
| Core capital (leverage) ratio | 15.0179% | 1,027 |
| Tier 1 risk-based capital ratio | 29.2238% | 685 |
| Total risk-based capital ratio | 30.4732% | 672 |
| Memoranda: | ||
| Average total assets | $16,728,600 | 8,109 |
| Average earning assets | $15,281,000 | 8,095 |
| Average equity | $2,683,200 | 7,934 |
| Average total loans | $7,955,400 | 8,037 |