Home > The Farmers' State Bank of Jetmore, Kansas > Performance and Condition Ratios
The Farmers' State Bank of Jetmore, Kansas, 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 | 2.3853% | 7,071 |
| Cost of funding earning assets | 0.1682% | 7,001 |
| Net interest margin | 2.2171% | 6,982 |
| Noninterest income to average assets | 0.2705% | 5,623 |
| Noninterest expense to average assets | 2.2743% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0055% | 6,268 |
| Return on assets (ROA) | 0.0055% | 6,397 |
| Pretax return on assets | -0.0387% | 6,434 |
| Return on Equity (ROE) | 0.0616% | 6,397 |
| Retained earnings to average equity (ytd only) | 0.0616% | 6,053 |
| Net charge-offs to loans | -0.0832% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7284% | 492 |
| Assets per employee ($millions) | 4.0442% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,752 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,799 |
| Noncurrent loans to loans | 0.0311% | 6,544 |
| Net loans and leases to total assets | 12.9611% | 7,098 |
| Net loans and leases to deposits | 14.2740% | 7,110 |
| Net loans and leases to core deposits | 14.2740% | 7,104 |
| Total domestic deposits to total assets | 90.8016% | 473 |
| Equity capital to assets | 8.8935% | 5,928 |
| Core capital (leverage) ratio | 8.5071% | 5,739 |
| Tier 1 risk-based capital ratio | 28.2202% | 636 |
| Total risk-based capital ratio | 29.1356% | 652 |
| Memoranda: | ||
| Average total assets | $24,153,250 | 6,977 |
| Average earning assets | $21,408,500 | 6,964 |
| Average equity | $2,159,500 | 7,024 |
| Average total loans | $3,211,000 | 7,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4437% | 7,135 |
| Cost of funding earning assets | 0.1865% | 7,058 |
| Net interest margin | 2.2572% | 7,024 |
| Noninterest income to average assets | 0.2986% | 5,417 |
| Noninterest expense to average assets | 2.2972% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0746% | 6,219 |
| Return on assets (ROA) | 0.0746% | 6,356 |
| Pretax return on assets | 0.0083% | 6,435 |
| Return on Equity (ROE) | 0.8333% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.8333% | 5,731 |
| Net charge-offs to loans | -0.0623% | 6,726 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6403% | 577 |
| Assets per employee ($millions) | 4.2552% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 1,396 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,829 |
| Noncurrent loans to loans | 0.0700% | 6,494 |
| Net loans and leases to total assets | 10.9240% | 7,175 |
| Net loans and leases to deposits | 11.9756% | 7,184 |
| Net loans and leases to core deposits | 11.9756% | 7,180 |
| Total domestic deposits to total assets | 91.2185% | 381 |
| Equity capital to assets | 8.4838% | 6,225 |
| Core capital (leverage) ratio | 8.4398% | 5,731 |
| Tier 1 risk-based capital ratio | 28.9766% | 573 |
| Total risk-based capital ratio | 29.8997% | 583 |
| Memoranda: | ||
| Average total assets | $24,116,000 | 7,036 |
| Average earning assets | $21,442,670 | 7,020 |
| Average equity | $2,160,000 | 7,071 |
| Average total loans | $3,209,670 | 7,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5026% | 7,175 |
| Cost of funding earning assets | 0.1910% | 7,122 |
| Net interest margin | 2.3115% | 7,053 |
| Noninterest income to average assets | 0.3076% | 5,424 |
| Noninterest expense to average assets | 2.5119% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | -0.1367% | 6,624 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | -0.1182% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7554% | 414 |
| Assets per employee ($millions) | 4.1202% | 3,749 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2660% | 1,744 |
| Loan loss allowance to noncurrent loans | 690.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,805 |
| Noncurrent loans to loans | 0.3284% | 6,012 |
| Net loans and leases to total assets | 12.0383% | 7,229 |
| Net loans and leases to deposits | 13.2325% | 7,238 |
| Net loans and leases to core deposits | 13.2325% | 7,235 |
| Total domestic deposits to total assets | 90.9753% | 570 |
| Equity capital to assets | 8.7254% | 5,844 |
| Core capital (leverage) ratio | 8.9725% | 4,881 |
| Tier 1 risk-based capital ratio | 29.0349% | 569 |
| Total risk-based capital ratio | 29.9637% | 578 |
| Memoranda: | ||
| Average total assets | $23,408,500 | 7,114 |
| Average earning assets | $20,938,500 | 7,091 |
| Average equity | $2,157,000 | 7,124 |
| Average total loans | $3,385,500 | 7,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0676% | 7,161 |
| Cost of funding earning assets | 0.2187% | 7,217 |
| Net interest margin | 2.8489% | 6,762 |
| Noninterest income to average assets | 0.2988% | 5,387 |
| Noninterest expense to average assets | 2.8656% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0882% | 6,155 |
| Return on assets (ROA) | -0.0882% | 6,229 |
| Pretax return on assets | -0.1421% | 6,239 |
| Return on Equity (ROE) | -0.8193% | 6,232 |
| Retained earnings to average equity (ytd only) | -2.0938% | 6,169 |
| Net charge-offs to loans | -0.2539% | 7,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2158% | 531 |
| Assets per employee ($millions) | 3.1566% | 5,796 |
| Cash dividends to net income (ytd only)* | -155.5556% | 7,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,789 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 6,112 |
| Noncurrent loans to loans | 2.0397% | 3,157 |
| Net loans and leases to total assets | 16.5550% | 7,243 |
| Net loans and leases to deposits | 18.4171% | 7,264 |
| Net loans and leases to core deposits | 18.4171% | 7,259 |
| Total domestic deposits to total assets | 89.8896% | 1,049 |
| Equity capital to assets | 9.7619% | 4,491 |
| Core capital (leverage) ratio | 9.8777% | 3,486 |
| Tier 1 risk-based capital ratio | 27.4393% | 669 |
| Total risk-based capital ratio | 28.3043% | 680 |
| Memoranda: | ||
| Average total assets | $20,414,400 | 7,200 |
| Average earning assets | $17,375,400 | 7,195 |
| Average equity | $2,197,000 | 7,182 |
| Average total loans | $3,544,400 | 7,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 7,218 |
| Cost of funding earning assets | 0.2223% | 7,303 |
| Net interest margin | 2.9452% | 6,679 |
| Noninterest income to average assets | 0.3267% | 5,248 |
| Noninterest expense to average assets | 2.6874% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1801% | 5,752 |
| Return on assets (ROA) | 0.1801% | 5,878 |
| Pretax return on assets | 0.1134% | 6,068 |
| Return on Equity (ROE) | 1.6312% | 5,894 |
| Retained earnings to average equity (ytd only) | 0.1812% | 5,901 |
| Net charge-offs to loans | -0.3049% | 7,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9524% | 823 |
| Assets per employee ($millions) | 3.5607% | 4,849 |
| Cash dividends to net income (ytd only)* | 88.8889% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 2,513 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 7,031 |
| Noncurrent loans to loans | 0.0867% | 6,716 |
| Net loans and leases to total assets | 15.8772% | 7,332 |
| Net loans and leases to deposits | 17.7759% | 7,347 |
| Net loans and leases to core deposits | 17.7759% | 7,341 |
| Total domestic deposits to total assets | 89.3185% | 1,241 |
| Equity capital to assets | 10.3258% | 3,926 |
| Core capital (leverage) ratio | 10.4624% | 2,912 |
| Tier 1 risk-based capital ratio | 28.4205% | 627 |
| Total risk-based capital ratio | 29.2837% | 643 |
| Memoranda: | ||
| Average total assets | $19,994,000 | 7,281 |
| Average earning assets | $16,795,250 | 7,288 |
| Average equity | $2,207,000 | 7,252 |
| Average total loans | $3,499,000 | 7,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 7,280 |
| Cost of funding earning assets | 0.2307% | 7,384 |
| Net interest margin | 2.9747% | 6,652 |
| Noninterest income to average assets | 0.3481% | 5,100 |
| Noninterest expense to average assets | 2.7537% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2150% | 5,688 |
| Return on assets (ROA) | 0.2150% | 5,801 |
| Pretax return on assets | 0.1024% | 6,101 |
| Return on Equity (ROE) | 1.9028% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.4530% | 5,666 |
| Net charge-offs to loans | -0.2847% | 7,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4158% | 859 |
| Assets per employee ($millions) | 3.5052% | 4,927 |
| Cash dividends to net income (ytd only)* | 76.1905% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 2,449 |
| Loan loss allowance to noncurrent loans | 237.0370% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 6,773 |
| Noncurrent loans to loans | 0.8313% | 5,265 |
| Net loans and leases to total assets | 15.1396% | 7,412 |
| Net loans and leases to deposits | 16.9859% | 7,425 |
| Net loans and leases to core deposits | 16.9859% | 7,422 |
| Total domestic deposits to total assets | 89.1303% | 1,456 |
| Equity capital to assets | 10.4988% | 3,502 |
| Core capital (leverage) ratio | 10.5328% | 2,682 |
| Tier 1 risk-based capital ratio | 29.2994% | 573 |
| Total risk-based capital ratio | 30.1486% | 595 |
| Memoranda: | ||
| Average total assets | $19,537,330 | 7,362 |
| Average earning assets | $16,472,000 | 7,365 |
| Average equity | $2,207,330 | 7,314 |
| Average total loans | $3,512,330 | 7,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 7,279 |
| Cost of funding earning assets | 0.2337% | 7,457 |
| Net interest margin | 3.1423% | 6,239 |
| Noninterest income to average assets | 0.5109% | 3,791 |
| Noninterest expense to average assets | 2.9377% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3406% | 5,223 |
| Return on assets (ROA) | 0.3406% | 5,300 |
| Pretax return on assets | 0.1490% | 6,060 |
| Return on Equity (ROE) | 2.8999% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.4499% | 5,237 |
| Net charge-offs to loans | -0.2195% | 7,275 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1724% | 974 |
| Assets per employee ($millions) | 3.2772% | 5,534 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 2,835 |
| Loan loss allowance to noncurrent loans | 210.3448% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 6,796 |
| Noncurrent loans to loans | 0.8825% | 5,282 |
| Net loans and leases to total assets | 16.4014% | 7,463 |
| Net loans and leases to deposits | 18.5612% | 7,477 |
| Net loans and leases to core deposits | 18.5612% | 7,472 |
| Total domestic deposits to total assets | 88.3639% | 2,162 |
| Equity capital to assets | 11.2445% | 2,465 |
| Core capital (leverage) ratio | 11.0972% | 2,115 |
| Tier 1 risk-based capital ratio | 32.0714% | 433 |
| Total risk-based capital ratio | 32.9562% | 443 |
| Memoranda: | ||
| Average total assets | $18,790,500 | 7,427 |
| Average earning assets | $15,402,500 | 7,450 |
| Average equity | $2,207,000 | 7,368 |
| Average total loans | $3,644,500 | 7,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 7,159 |
| Cost of funding earning assets | 0.4292% | 7,401 |
| Net interest margin | 3.5303% | 5,109 |
| Noninterest income to average assets | 0.5063% | 4,121 |
| Noninterest expense to average assets | 3.3301% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0450% | 5,713 |
| Return on assets (ROA) | 0.0450% | 5,852 |
| Pretax return on assets | 0.0450% | 5,802 |
| Return on Equity (ROE) | 0.3583% | 5,869 |
| Retained earnings to average equity (ytd only) | -1.0748% | 5,813 |
| Net charge-offs to loans | -0.1051% | 7,505 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6667% | 843 |
| Assets per employee ($millions) | 2.9863% | 6,129 |
| Cash dividends to net income (ytd only)* | 400.0000% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 4,165 |
| Loan loss allowance to noncurrent loans | 368.7500% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,010 |
| Noncurrent loans to loans | 0.3997% | 6,248 |
| Net loans and leases to total assets | 22.0114% | 7,498 |
| Net loans and leases to deposits | 25.2255% | 7,521 |
| Net loans and leases to core deposits | 25.2255% | 7,521 |
| Total domestic deposits to total assets | 87.2586% | 2,692 |
| Equity capital to assets | 12.2949% | 1,748 |
| Core capital (leverage) ratio | 11.6938% | 1,730 |
| Tier 1 risk-based capital ratio | 31.1907% | 460 |
| Total risk-based capital ratio | 32.0261% | 467 |
| Memoranda: | ||
| Average total assets | $17,777,000 | 7,515 |
| Average earning assets | $14,446,200 | 7,538 |
| Average equity | $2,233,000 | 7,462 |
| Average total loans | $3,807,400 | 7,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 7,304 |
| Cost of funding earning assets | 0.4439% | 7,523 |
| Net interest margin | 3.5243% | 5,205 |
| Noninterest income to average assets | 0.5711% | 3,642 |
| Noninterest expense to average assets | 3.0962% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3983% | 4,757 |
| Return on assets (ROA) | 0.3983% | 4,935 |
| Pretax return on assets | 0.3983% | 5,222 |
| Return on Equity (ROE) | 3.1538% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.7260% | 5,100 |
| Net charge-offs to loans | -0.1064% | 7,561 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6022% | 1,399 |
| Assets per employee ($millions) | 3.0028% | 6,144 |
| Cash dividends to net income (ytd only)* | 45.2873% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,786 |
| Loan loss allowance to noncurrent loans | 527.2727% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 7,191 |
| Noncurrent loans to loans | 0.2915% | 6,605 |
| Net loans and leases to total assets | 20.6194% | 7,619 |
| Net loans and leases to deposits | 23.6956% | 7,636 |
| Net loans and leases to core deposits | 23.6956% | 7,639 |
| Total domestic deposits to total assets | 87.0178% | 2,517 |
| Equity capital to assets | 12.5215% | 1,846 |
| Core capital (leverage) ratio | 12.4703% | 1,425 |
| Tier 1 risk-based capital ratio | 32.0136% | 436 |
| Total risk-based capital ratio | 32.8367% | 440 |
| Memoranda: | ||
| Average total assets | $17,741,750 | 7,613 |
| Average earning assets | $14,716,500 | 7,627 |
| Average equity | $2,240,500 | 7,559 |
| Average total loans | $3,758,500 | 7,683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 7,410 |
| Cost of funding earning assets | 0.4258% | 7,637 |
| Net interest margin | 3.4998% | 5,243 |
| Noninterest income to average assets | 0.6912% | 2,757 |
| Noninterest expense to average assets | 3.1728% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4986% | 4,335 |
| Return on assets (ROA) | 0.4986% | 4,486 |
| Pretax return on assets | 0.4986% | 4,901 |
| Return on Equity (ROE) | 3.9368% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.5052% | 4,561 |
| Net charge-offs to loans | -0.3730% | 7,706 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4198% | 1,659 |
| Assets per employee ($millions) | 2.9152% | 6,324 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 2,910 |
| Loan loss allowance to noncurrent loans | 326.3158% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 7,116 |
| Noncurrent loans to loans | 0.5354% | 6,182 |
| Net loans and leases to total assets | 19.9360% | 7,695 |
| Net loans and leases to deposits | 23.0150% | 7,708 |
| Net loans and leases to core deposits | 23.0150% | 7,709 |
| Total domestic deposits to total assets | 86.6217% | 2,742 |
| Equity capital to assets | 12.8923% | 1,612 |
| Core capital (leverage) ratio | 12.4779% | 1,416 |
| Tier 1 risk-based capital ratio | 31.4198% | 441 |
| Total risk-based capital ratio | 32.2837% | 457 |
| Memoranda: | ||
| Average total assets | $17,650,000 | 7,677 |
| Average earning assets | $15,029,330 | 7,685 |
| Average equity | $2,235,330 | 7,620 |
| Average total loans | $3,753,670 | 7,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 7,521 |
| Cost of funding earning assets | 0.4307% | 7,750 |
| Net interest margin | 3.4728% | 5,276 |
| Noninterest income to average assets | 0.5189% | 3,900 |
| Noninterest expense to average assets | 3.3165% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1128% | 5,991 |
| Return on assets (ROA) | 0.1128% | 6,098 |
| Pretax return on assets | 0.1128% | 6,100 |
| Return on Equity (ROE) | 0.8987% | 6,143 |
| Retained earnings to average equity (ytd only) | -0.5392% | 5,958 |
| Net charge-offs to loans | -0.5187% | 7,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7105% | 986 |
| Assets per employee ($millions) | 2.9825% | 6,250 |
| Cash dividends to net income (ytd only)* | 160.0000% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,299 |
| Loan loss allowance to noncurrent loans | 82.1918% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 6,450 |
| Noncurrent loans to loans | 1.9934% | 3,796 |
| Net loans and leases to total assets | 20.1285% | 7,784 |
| Net loans and leases to deposits | 23.1046% | 7,813 |
| Net loans and leases to core deposits | 23.1046% | 7,806 |
| Total domestic deposits to total assets | 87.1193% | 2,568 |
| Equity capital to assets | 12.4281% | 1,791 |
| Core capital (leverage) ratio | 12.5600% | 1,386 |
| Tier 1 risk-based capital ratio | 30.7182% | 491 |
| Total risk-based capital ratio | 31.5470% | 498 |
| Memoranda: | ||
| Average total assets | $17,729,500 | 7,776 |
| Average earning assets | $14,858,500 | 7,787 |
| Average equity | $2,225,500 | 7,707 |
| Average total loans | $3,856,000 | 7,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 7,685 |
| Cost of funding earning assets | 0.5035% | 7,829 |
| Net interest margin | 3.5309% | 4,814 |
| Noninterest income to average assets | 0.3183% | 5,806 |
| Noninterest expense to average assets | 3.4222% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0455% | 5,349 |
| Return on assets (ROA) | 0.0455% | 5,405 |
| Pretax return on assets | 0.0455% | 5,341 |
| Return on Equity (ROE) | 0.3520% | 5,429 |
| Retained earnings to average equity (ytd only) | -2.0679% | 5,531 |
| Net charge-offs to loans | 0.4821% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 5,664 |
| Efficiency ratio | 98.6885% | 1,168 |
| Assets per employee ($millions) | 2.9273% | 6,395 |
| Cash dividends to net income (ytd only)* | 687.5000% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,439 |
| Loan loss allowance to noncurrent loans | 130.9524% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,869 |
| Noncurrent loans to loans | 1.0370% | 5,241 |
| Net loans and leases to total assets | 22.7454% | 7,829 |
| Net loans and leases to deposits | 26.1590% | 7,861 |
| Net loans and leases to core deposits | 26.1590% | 7,890 |
| Total domestic deposits to total assets | 86.9506% | 2,541 |
| Equity capital to assets | 12.6793% | 1,656 |
| Core capital (leverage) ratio | 12.6721% | 1,365 |
| Tier 1 risk-based capital ratio | 28.6837% | 597 |
| Total risk-based capital ratio | 29.3921% | 611 |
| Memoranda: | ||
| Average total assets | $17,591,200 | 7,839 |
| Average earning assets | $15,690,000 | 7,828 |
| Average equity | $2,272,800 | 7,782 |
| Average total loans | $3,733,800 | 7,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 7,774 |
| Cost of funding earning assets | 0.5311% | 7,922 |
| Net interest margin | 3.5661% | 4,612 |
| Noninterest income to average assets | 0.3258% | 5,880 |
| Noninterest expense to average assets | 3.1215% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3864% | 4,452 |
| Return on assets (ROA) | 0.3864% | 4,554 |
| Pretax return on assets | 0.4091% | 4,781 |
| Return on Equity (ROE) | 2.9769% | 4,807 |
| Retained earnings to average equity (ytd only) | 0.4084% | 5,028 |
| Net charge-offs to loans | 0.6931% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.8425% | 3,801 |
| Efficiency ratio | 88.4120% | 1,826 |
| Assets per employee ($millions) | 2.8697% | 6,480 |
| Cash dividends to net income (ytd only)* | 86.2794% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,307 |
| Loan loss allowance to noncurrent loans | 385.7143% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 7,348 |
| Noncurrent loans to loans | 0.3954% | 6,550 |
| Net loans and leases to total assets | 20.2521% | 7,948 |
| Net loans and leases to deposits | 23.4515% | 7,972 |
| Net loans and leases to core deposits | 23.4515% | 7,978 |
| Total domestic deposits to total assets | 86.3573% | 2,509 |
| Equity capital to assets | 13.2478% | 1,598 |
| Core capital (leverage) ratio | 12.7537% | 1,469 |
| Tier 1 risk-based capital ratio | 27.2978% | 726 |
| Total risk-based capital ratio | 27.9440% | 747 |
| Memoranda: | ||
| Average total assets | $17,598,000 | 7,916 |
| Average earning assets | $15,815,500 | 7,902 |
| Average equity | $2,284,250 | 7,851 |
| Average total loans | $3,654,750 | 8,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 7,853 |
| Cost of funding earning assets | 0.5622% | 8,015 |
| Net interest margin | 3.5858% | 4,426 |
| Noninterest income to average assets | 0.3498% | 5,703 |
| Noninterest expense to average assets | 3.0015% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5416% | 3,928 |
| Return on assets (ROA) | 0.5416% | 4,037 |
| Pretax return on assets | 0.5868% | 4,358 |
| Return on Equity (ROE) | 4.2007% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.7503% | 4,370 |
| Net charge-offs to loans | -0.2166% | 8,036 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6478% | 2,518 |
| Assets per employee ($millions) | 3.1183% | 5,814 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2126% | 1,223 |
| Loan loss allowance to noncurrent loans | 513.3333% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,382 |
| Noncurrent loans to loans | 0.4310% | 6,440 |
| Net loans and leases to total assets | 18.1881% | 8,051 |
| Net loans and leases to deposits | 20.8211% | 8,080 |
| Net loans and leases to core deposits | 20.8211% | 8,085 |
| Total domestic deposits to total assets | 87.3544% | 2,071 |
| Equity capital to assets | 12.2608% | 2,051 |
| Core capital (leverage) ratio | 12.6845% | 1,544 |
| Tier 1 risk-based capital ratio | 29.3125% | 641 |
| Total risk-based capital ratio | 30.2964% | 640 |
| Memoranda: | ||
| Average total assets | $17,724,670 | 7,996 |
| Average earning assets | $16,007,670 | 7,974 |
| Average equity | $2,285,330 | 7,929 |
| Average total loans | $3,692,670 | 8,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 7,814 |
| Cost of funding earning assets | 0.6948% | 7,995 |
| Net interest margin | 3.6799% | 3,983 |
| Noninterest income to average assets | 0.4875% | 4,435 |
| Noninterest expense to average assets | 3.0176% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6964% | 3,577 |
| Return on assets (ROA) | 0.6964% | 3,762 |
| Pretax return on assets | 0.7892% | 4,113 |
| Return on Equity (ROE) | 5.2609% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.4551% | 4,509 |
| Net charge-offs to loans | -0.2106% | 8,017 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2683% | 2,949 |
| Assets per employee ($millions) | 2.9708% | 6,234 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 1,254 |
| Loan loss allowance to noncurrent loans | 48.7013% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 5,034 |
| Noncurrent loans to loans | 4.2933% | 1,368 |
| Net loans and leases to total assets | 19.7027% | 8,087 |
| Net loans and leases to deposits | 22.7049% | 8,119 |
| Net loans and leases to core deposits | 22.7049% | 8,128 |
| Total domestic deposits to total assets | 86.7770% | 2,322 |
| Equity capital to assets | 12.8359% | 1,815 |
| Core capital (leverage) ratio | 12.6165% | 1,641 |
| Tier 1 risk-based capital ratio | 28.9181% | 694 |
| Total risk-based capital ratio | 29.8660% | 695 |
| Memoranda: | ||
| Average total assets | $17,232,000 | 8,057 |
| Average earning assets | $15,544,000 | 8,038 |
| Average equity | $2,281,000 | 7,981 |
| Average total loans | $3,799,000 | 8,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 7,919 |
| Cost of funding earning assets | 1.0444% | 8,034 |
| Net interest margin | 3.8164% | 3,951 |
| Noninterest income to average assets | 0.2712% | 6,514 |
| Noninterest expense to average assets | 3.5925% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1808% | 5,905 |
| Return on assets (ROA) | 0.1808% | 5,744 |
| Pretax return on assets | 0.1808% | 5,772 |
| Return on Equity (ROE) | 1.2986% | 5,830 |
| Retained earnings to average equity (ytd only) | -1.9912% | 5,865 |
| Net charge-offs to loans | -0.2721% | 8,190 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2077% | 1,210 |
| Assets per employee ($millions) | 2.7732% | 6,624 |
| Cash dividends to net income (ytd only)* | 253.3333% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 1,584 |
| Loan loss allowance to noncurrent loans | 137.7358% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 6,333 |
| Noncurrent loans to loans | 1.3214% | 3,872 |
| Net loans and leases to total assets | 23.6673% | 8,112 |
| Net loans and leases to deposits | 27.5674% | 8,142 |
| Net loans and leases to core deposits | 27.5674% | 8,167 |
| Total domestic deposits to total assets | 85.8525% | 2,471 |
| Equity capital to assets | 13.6667% | 1,544 |
| Core capital (leverage) ratio | 13.6774% | 1,339 |
| Tier 1 risk-based capital ratio | 28.6868% | 719 |
| Total risk-based capital ratio | 29.6077% | 724 |
| Memoranda: | ||
| Average total assets | $16,590,200 | 8,118 |
| Average earning assets | $15,223,600 | 8,098 |
| Average equity | $2,310,200 | 8,047 |
| Average total loans | $4,042,000 | 8,191 |