Home > The First National Bank of Southern Kansas > Performance and Condition Ratios
The First National Bank of Southern Kansas, 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 | 4.6098% | 3,314 |
| Cost of funding earning assets | 0.5008% | 5,612 |
| Net interest margin | 4.1090% | 2,054 |
| Noninterest income to average assets | 0.7592% | 2,376 |
| Noninterest expense to average assets | 3.3668% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1120% | 6,129 |
| Return on assets (ROA) | 0.1120% | 6,293 |
| Pretax return on assets | 0.2520% | 6,056 |
| Return on Equity (ROE) | 1.1255% | 6,277 |
| Retained earnings to average equity (ytd only) | 1.1255% | 5,621 |
| Net charge-offs to loans | 0.0320% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,604 |
| Efficiency ratio | 93.0353% | 861 |
| Assets per employee ($millions) | 2.9326% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8460% | 901 |
| Loan loss allowance to noncurrent loans | 121.6023% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6575% | 3,233 |
| Noncurrent loans to loans | 2.3404% | 2,560 |
| Net loans and leases to total assets | 43.0200% | 6,109 |
| Net loans and leases to deposits | 48.1866% | 6,297 |
| Net loans and leases to core deposits | 49.1905% | 6,388 |
| Total domestic deposits to total assets | 89.2780% | 1,345 |
| Equity capital to assets | 9.5360% | 5,009 |
| Core capital (leverage) ratio | 9.8954% | 3,581 |
| Tier 1 risk-based capital ratio | 14.6395% | 4,008 |
| Total risk-based capital ratio | 15.7364% | 4,073 |
| Memoranda: | ||
| Average total assets | $64,275,330 | 5,907 |
| Average earning assets | $44,730,670 | 6,326 |
| Average equity | $6,397,000 | 6,016 |
| Average total loans | $31,278,670 | 6,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 2,768 |
| Cost of funding earning assets | 0.5288% | 5,617 |
| Net interest margin | 4.2397% | 1,638 |
| Noninterest income to average assets | 0.6317% | 3,048 |
| Noninterest expense to average assets | 3.5222% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0702% | 6,505 |
| Return on assets (ROA) | -0.0702% | 6,595 |
| Pretax return on assets | 0.0766% | 6,416 |
| Return on Equity (ROE) | -0.6897% | 6,602 |
| Retained earnings to average equity (ytd only) | -0.6897% | 6,109 |
| Net charge-offs to loans | 0.0875% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,474 |
| Efficiency ratio | 97.8723% | 642 |
| Assets per employee ($millions) | 2.7875% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7145% | 1,099 |
| Loan loss allowance to noncurrent loans | 157.0370% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4958% | 3,621 |
| Noncurrent loans to loans | 1.7286% | 3,517 |
| Net loans and leases to total assets | 47.4045% | 5,631 |
| Net loans and leases to deposits | 53.3586% | 5,874 |
| Net loans and leases to core deposits | 54.5324% | 6,020 |
| Total domestic deposits to total assets | 88.8414% | 1,794 |
| Equity capital to assets | 9.9529% | 4,182 |
| Core capital (leverage) ratio | 9.8276% | 3,601 |
| Tier 1 risk-based capital ratio | 14.0449% | 4,439 |
| Total risk-based capital ratio | 15.3024% | 4,395 |
| Memoranda: | ||
| Average total assets | $62,688,000 | 5,990 |
| Average earning assets | $43,871,000 | 6,402 |
| Average equity | $6,379,500 | 6,050 |
| Average total loans | $31,984,500 | 6,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 2,087 |
| Cost of funding earning assets | 0.6625% | 5,757 |
| Net interest margin | 4.5305% | 1,068 |
| Noninterest income to average assets | 0.9264% | 1,584 |
| Noninterest expense to average assets | 3.7137% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3693% | 4,997 |
| Return on assets (ROA) | 0.3693% | 5,164 |
| Pretax return on assets | 0.4940% | 5,011 |
| Return on Equity (ROE) | 3.8463% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.8463% | 3,476 |
| Net charge-offs to loans | -0.0558% | 7,068 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2596% | 1,340 |
| Assets per employee ($millions) | 2.9173% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6124% | 1,178 |
| Loan loss allowance to noncurrent loans | 137.6812% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 3,402 |
| Noncurrent loans to loans | 1.8974% | 3,345 |
| Net loans and leases to total assets | 52.0273% | 5,305 |
| Net loans and leases to deposits | 58.8874% | 5,608 |
| Net loans and leases to core deposits | 60.2488% | 5,830 |
| Total domestic deposits to total assets | 88.3504% | 1,939 |
| Equity capital to assets | 10.4107% | 3,640 |
| Core capital (leverage) ratio | 9.9155% | 3,431 |
| Tier 1 risk-based capital ratio | 13.8338% | 4,455 |
| Total risk-based capital ratio | 15.0903% | 4,404 |
| Memoranda: | ||
| Average total assets | $63,360,600 | 5,944 |
| Average earning assets | $45,889,200 | 6,336 |
| Average equity | $6,083,800 | 6,134 |
| Average total loans | $34,051,000 | 5,949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 2,137 |
| Cost of funding earning assets | 0.6974% | 5,783 |
| Net interest margin | 4.5214% | 1,096 |
| Noninterest income to average assets | 0.8828% | 1,712 |
| Noninterest expense to average assets | 3.6669% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3757% | 5,102 |
| Return on assets (ROA) | 0.3757% | 5,286 |
| Pretax return on assets | 0.5176% | 5,100 |
| Return on Equity (ROE) | 3.9930% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.9930% | 3,875 |
| Net charge-offs to loans | -0.0698% | 7,113 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6309% | 1,375 |
| Assets per employee ($millions) | 2.8048% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 1,272 |
| Loan loss allowance to noncurrent loans | 149.8246% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 3,679 |
| Noncurrent loans to loans | 1.7329% | 3,722 |
| Net loans and leases to total assets | 51.9229% | 5,458 |
| Net loans and leases to deposits | 58.7742% | 5,768 |
| Net loans and leases to core deposits | 60.1197% | 5,985 |
| Total domestic deposits to total assets | 88.3429% | 1,849 |
| Equity capital to assets | 10.2860% | 3,975 |
| Core capital (leverage) ratio | 10.0029% | 3,441 |
| Tier 1 risk-based capital ratio | 14.3643% | 4,080 |
| Total risk-based capital ratio | 15.6189% | 4,041 |
| Memoranda: | ||
| Average total assets | $63,884,750 | 5,967 |
| Average earning assets | $46,651,000 | 6,361 |
| Average equity | $6,010,250 | 6,202 |
| Average total loans | $34,381,500 | 6,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 2,314 |
| Cost of funding earning assets | 0.7445% | 5,705 |
| Net interest margin | 4.4420% | 1,266 |
| Noninterest income to average assets | 0.8048% | 1,996 |
| Noninterest expense to average assets | 3.6743% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2600% | 5,516 |
| Return on assets (ROA) | 0.2600% | 5,642 |
| Pretax return on assets | 0.3993% | 5,398 |
| Return on Equity (ROE) | 2.8484% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.8484% | 4,473 |
| Net charge-offs to loans | -0.0917% | 7,145 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1976% | 1,226 |
| Assets per employee ($millions) | 2.9253% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5485% | 1,376 |
| Loan loss allowance to noncurrent loans | 160.1504% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 3,872 |
| Noncurrent loans to loans | 1.5913% | 4,008 |
| Net loans and leases to total assets | 53.0326% | 5,428 |
| Net loans and leases to deposits | 59.8758% | 5,734 |
| Net loans and leases to core deposits | 61.3621% | 5,961 |
| Total domestic deposits to total assets | 88.5711% | 1,803 |
| Equity capital to assets | 10.1071% | 4,005 |
| Core capital (leverage) ratio | 9.8449% | 3,461 |
| Tier 1 risk-based capital ratio | 14.0059% | 4,171 |
| Total risk-based capital ratio | 15.2645% | 4,138 |
| Memoranda: | ||
| Average total assets | $64,611,330 | 5,997 |
| Average earning assets | $47,545,670 | 6,379 |
| Average equity | $5,898,000 | 6,261 |
| Average total loans | $34,877,670 | 6,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 2,615 |
| Cost of funding earning assets | 0.8131% | 5,510 |
| Net interest margin | 4.2934% | 1,580 |
| Noninterest income to average assets | 0.7311% | 2,386 |
| Noninterest expense to average assets | 3.6918% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0906% | 6,120 |
| Return on assets (ROA) | 0.0906% | 6,171 |
| Pretax return on assets | 0.2296% | 5,870 |
| Return on Equity (ROE) | 1.0448% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.0448% | 5,408 |
| Net charge-offs to loans | -0.1685% | 7,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1448% | 1,031 |
| Assets per employee ($millions) | 2.9711% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 1,467 |
| Loan loss allowance to noncurrent loans | 176.5560% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 3,964 |
| Noncurrent loans to loans | 1.4119% | 4,358 |
| Net loans and leases to total assets | 50.9271% | 5,719 |
| Net loans and leases to deposits | 56.9016% | 6,039 |
| Net loans and leases to core deposits | 58.2101% | 6,238 |
| Total domestic deposits to total assets | 89.5003% | 1,481 |
| Equity capital to assets | 9.2681% | 4,787 |
| Core capital (leverage) ratio | 8.9220% | 4,734 |
| Tier 1 risk-based capital ratio | 13.7163% | 4,266 |
| Total risk-based capital ratio | 14.9739% | 4,228 |
| Memoranda: | ||
| Average total assets | $66,201,000 | 5,986 |
| Average earning assets | $49,191,500 | 6,372 |
| Average equity | $5,742,500 | 6,326 |
| Average total loans | $35,601,000 | 6,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 2,060 |
| Cost of funding earning assets | 1.1702% | 4,728 |
| Net interest margin | 4.3867% | 1,524 |
| Noninterest income to average assets | 0.7967% | 2,306 |
| Noninterest expense to average assets | 3.8703% | 1,364 |
| Loan and lease loss provision to assets | 0.4588% | 3,374 |
| Net operating income to assets | 0.0061% | 5,823 |
| Return on assets (ROA) | 0.0061% | 5,953 |
| Pretax return on assets | -0.1330% | 6,027 |
| Return on Equity (ROE) | 0.0737% | 5,950 |
| Retained earnings to average equity (ytd only) | -0.7735% | 5,764 |
| Net charge-offs to loans | -0.0703% | 7,476 |
| Credit loss provision to net charge-offs | -1,111.1111% | 7,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2376% | 1,166 |
| Assets per employee ($millions) | 3.0472% | 6,002 |
| Cash dividends to net income (ytd only)* | 1,150.0000% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 1,762 |
| Loan loss allowance to noncurrent loans | 91.5663% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 3,916 |
| Noncurrent loans to loans | 2.4634% | 3,060 |
| Net loans and leases to total assets | 54.0395% | 5,626 |
| Net loans and leases to deposits | 59.5741% | 6,106 |
| Net loans and leases to core deposits | 60.9246% | 6,322 |
| Total domestic deposits to total assets | 90.7097% | 742 |
| Equity capital to assets | 8.0954% | 6,387 |
| Core capital (leverage) ratio | 7.8192% | 6,415 |
| Tier 1 risk-based capital ratio | 11.9349% | 5,536 |
| Total risk-based capital ratio | 13.1917% | 5,508 |
| Memoranda: | ||
| Average total assets | $65,394,800 | 6,018 |
| Average earning assets | $50,676,000 | 6,342 |
| Average equity | $5,430,200 | 6,531 |
| Average total loans | $38,408,000 | 5,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 1,830 |
| Cost of funding earning assets | 1.2071% | 4,828 |
| Net interest margin | 4.4576% | 1,350 |
| Noninterest income to average assets | 0.6217% | 3,304 |
| Noninterest expense to average assets | 3.7403% | 1,495 |
| Loan and lease loss provision to assets | 0.6155% | 2,478 |
| Net operating income to assets | -0.3796% | 6,498 |
| Return on assets (ROA) | -0.3796% | 6,547 |
| Pretax return on assets | -0.2565% | 6,372 |
| Return on Equity (ROE) | -4.5417% | 6,613 |
| Retained earnings to average equity (ytd only) | -5.6710% | 6,607 |
| Net charge-offs to loans | -0.0895% | 7,533 |
| Credit loss provision to net charge-offs | -1,153.8462% | 7,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2412% | 1,192 |
| Assets per employee ($millions) | 3.0450% | 6,043 |
| Cash dividends to net income (ytd only)* | -24.8642% | 7,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 1,698 |
| Loan loss allowance to noncurrent loans | 170.0611% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 5,096 |
| Noncurrent loans to loans | 1.3233% | 4,652 |
| Net loans and leases to total assets | 54.1401% | 5,831 |
| Net loans and leases to deposits | 59.5482% | 6,348 |
| Net loans and leases to core deposits | 60.8949% | 6,545 |
| Total domestic deposits to total assets | 90.9182% | 477 |
| Equity capital to assets | 7.8906% | 6,874 |
| Core capital (leverage) ratio | 7.6074% | 6,761 |
| Tier 1 risk-based capital ratio | 11.4656% | 5,967 |
| Total risk-based capital ratio | 12.7225% | 5,945 |
| Memoranda: | ||
| Average total assets | $64,984,000 | 6,099 |
| Average earning assets | $50,698,750 | 6,417 |
| Average equity | $5,431,000 | 6,609 |
| Average total loans | $38,744,250 | 6,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6752% | 1,853 |
| Cost of funding earning assets | 1.2025% | 5,124 |
| Net interest margin | 4.4727% | 1,263 |
| Noninterest income to average assets | 0.5535% | 3,686 |
| Noninterest expense to average assets | 3.7347% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2052% | 5,541 |
| Return on assets (ROA) | 0.2052% | 5,671 |
| Pretax return on assets | 0.3234% | 5,440 |
| Return on Equity (ROE) | 2.4091% | 5,497 |
| Retained earnings to average equity (ytd only) | 0.7300% | 5,468 |
| Net charge-offs to loans | 0.0204% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,013 |
| Efficiency ratio | 92.0307% | 1,185 |
| Assets per employee ($millions) | 3.0610% | 6,011 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,702 |
| Loan loss allowance to noncurrent loans | 70.2364% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 4,719 |
| Noncurrent loans to loans | 1.9156% | 3,846 |
| Net loans and leases to total assets | 54.9873% | 5,844 |
| Net loans and leases to deposits | 60.6010% | 6,358 |
| Net loans and leases to core deposits | 61.9608% | 6,552 |
| Total domestic deposits to total assets | 90.7367% | 587 |
| Equity capital to assets | 8.1303% | 6,622 |
| Core capital (leverage) ratio | 8.3585% | 5,651 |
| Tier 1 risk-based capital ratio | 11.7330% | 5,559 |
| Total risk-based capital ratio | 12.8256% | 5,663 |
| Memoranda: | ||
| Average total assets | $64,315,000 | 6,171 |
| Average earning assets | $50,394,670 | 6,465 |
| Average equity | $5,479,330 | 6,623 |
| Average total loans | $39,291,000 | 6,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 1,251 |
| Cost of funding earning assets | 1.2323% | 5,222 |
| Net interest margin | 4.6472% | 875 |
| Noninterest income to average assets | 0.4968% | 4,067 |
| Noninterest expense to average assets | 3.5413% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4841% | 4,477 |
| Return on assets (ROA) | 0.4841% | 4,608 |
| Pretax return on assets | 0.6306% | 4,487 |
| Return on Equity (ROE) | 5.5459% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.1892% | 4,819 |
| Net charge-offs to loans | -0.0100% | 6,888 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8855% | 1,922 |
| Assets per employee ($millions) | 2.9605% | 6,305 |
| Cash dividends to net income (ytd only)* | 60.5263% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,019 |
| Loan loss allowance to noncurrent loans | 66.2338% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 4,529 |
| Noncurrent loans to loans | 1.9400% | 3,874 |
| Net loans and leases to total assets | 60.1566% | 5,095 |
| Net loans and leases to deposits | 66.5207% | 5,765 |
| Net loans and leases to core deposits | 68.3698% | 6,067 |
| Total domestic deposits to total assets | 90.4330% | 773 |
| Equity capital to assets | 8.4339% | 6,099 |
| Core capital (leverage) ratio | 8.2714% | 5,796 |
| Tier 1 risk-based capital ratio | 11.9134% | 5,286 |
| Total risk-based capital ratio | 13.0318% | 5,355 |
| Memoranda: | ||
| Average total assets | $62,802,000 | 6,276 |
| Average earning assets | $49,664,500 | 6,563 |
| Average equity | $5,481,500 | 6,683 |
| Average total loans | $40,169,500 | 6,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1769% | 1,299 |
| Cost of funding earning assets | 1.3784% | 6,021 |
| Net interest margin | 4.7985% | 695 |
| Noninterest income to average assets | 0.6167% | 3,511 |
| Noninterest expense to average assets | 4.2141% | 1,081 |
| Loan and lease loss provision to assets | 0.2560% | 5,349 |
| Net operating income to assets | 0.0881% | 5,242 |
| Return on assets (ROA) | 0.0881% | 5,286 |
| Pretax return on assets | 0.1629% | 5,082 |
| Return on Equity (ROE) | 0.9579% | 5,247 |
| Retained earnings to average equity (ytd only) | 0.2350% | 4,771 |
| Net charge-offs to loans | 0.3934% | 4,247 |
| Credit loss provision to net charge-offs | 96.8553% | 5,738 |
| Earnings coverage of net charge-offs (x) | 1.5849% | 4,552 |
| Efficiency ratio | 90.9580% | 1,637 |
| Assets per employee ($millions) | 2.7488% | 6,758 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 5,035 |
| Loan loss allowance to noncurrent loans | 61.0312% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6040% | 3,968 |
| Noncurrent loans to loans | 2.0517% | 3,585 |
| Net loans and leases to total assets | 66.3756% | 4,061 |
| Net loans and leases to deposits | 73.9703% | 5,042 |
| Net loans and leases to core deposits | 85.3171% | 5,590 |
| Total domestic deposits to total assets | 89.7328% | 1,091 |
| Equity capital to assets | 9.0452% | 5,069 |
| Core capital (leverage) ratio | 8.7068% | 4,918 |
| Tier 1 risk-based capital ratio | 11.6817% | 5,218 |
| Total risk-based capital ratio | 12.7821% | 5,322 |
| Memoranda: | ||
| Average total assets | $60,155,200 | 6,344 |
| Average earning assets | $50,348,800 | 6,520 |
| Average equity | $5,533,000 | 6,762 |
| Average total loans | $40,422,000 | 6,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2204% | 1,320 |
| Cost of funding earning assets | 1.4049% | 6,211 |
| Net interest margin | 4.8155% | 666 |
| Noninterest income to average assets | 0.6059% | 3,653 |
| Noninterest expense to average assets | 3.8528% | 1,508 |
| Loan and lease loss provision to assets | 0.1886% | 5,488 |
| Net operating income to assets | 0.6014% | 3,597 |
| Return on assets (ROA) | 0.6014% | 3,652 |
| Pretax return on assets | 0.6192% | 4,131 |
| Return on Equity (ROE) | 6.5117% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.5506% | 2,173 |
| Net charge-offs to loans | 0.2907% | 4,215 |
| Credit loss provision to net charge-offs | 96.5909% | 5,283 |
| Earnings coverage of net charge-offs (x) | 4.1364% | 3,246 |
| Efficiency ratio | 82.6667% | 2,484 |
| Assets per employee ($millions) | 2.4813% | 7,258 |
| Cash dividends to net income (ytd only)* | 14.7598% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,537 |
| Loan loss allowance to noncurrent loans | 70.6777% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 4,299 |
| Noncurrent loans to loans | 1.8324% | 3,870 |
| Net loans and leases to total assets | 62.7811% | 5,108 |
| Net loans and leases to deposits | 70.1320% | 5,900 |
| Net loans and leases to core deposits | 80.4882% | 6,308 |
| Total domestic deposits to total assets | 89.5185% | 953 |
| Equity capital to assets | 9.1854% | 5,188 |
| Core capital (leverage) ratio | 8.9521% | 4,724 |
| Tier 1 risk-based capital ratio | 12.3794% | 4,648 |
| Total risk-based capital ratio | 13.5046% | 4,684 |
| Memoranda: | ||
| Average total assets | $60,075,500 | 6,386 |
| Average earning assets | $50,585,000 | 6,555 |
| Average equity | $5,548,750 | 6,830 |
| Average total loans | $40,365,250 | 6,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1884% | 1,494 |
| Cost of funding earning assets | 1.4004% | 6,477 |
| Net interest margin | 4.7880% | 669 |
| Noninterest income to average assets | 0.6260% | 3,490 |
| Noninterest expense to average assets | 3.9379% | 1,417 |
| Loan and lease loss provision to assets | 0.2120% | 4,923 |
| Net operating income to assets | 0.5688% | 3,815 |
| Return on assets (ROA) | 0.5688% | 3,927 |
| Pretax return on assets | 0.5957% | 4,335 |
| Return on Equity (ROE) | 6.1466% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.6918% | 2,688 |
| Net charge-offs to loans | 0.2065% | 4,226 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 2,776 |
| Efficiency ratio | 82.9787% | 2,610 |
| Assets per employee ($millions) | 2.6588% | 6,932 |
| Cash dividends to net income (ytd only)* | 23.6686% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,026 |
| Loan loss allowance to noncurrent loans | 64.1487% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6434% | 3,739 |
| Noncurrent loans to loans | 2.0912% | 3,394 |
| Net loans and leases to total assets | 64.3429% | 4,913 |
| Net loans and leases to deposits | 71.7932% | 5,765 |
| Net loans and leases to core deposits | 84.6063% | 6,039 |
| Total domestic deposits to total assets | 89.6226% | 997 |
| Equity capital to assets | 9.0905% | 5,176 |
| Core capital (leverage) ratio | 9.1666% | 4,354 |
| Tier 1 risk-based capital ratio | 12.1811% | 4,770 |
| Total risk-based capital ratio | 13.3619% | 4,741 |
| Memoranda: | ||
| Average total assets | $59,423,000 | 6,466 |
| Average earning assets | $51,127,670 | 6,590 |
| Average equity | $5,499,000 | 6,901 |
| Average total loans | $40,668,330 | 6,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2574% | 1,417 |
| Cost of funding earning assets | 1.4619% | 6,533 |
| Net interest margin | 4.7956% | 615 |
| Noninterest income to average assets | 0.5670% | 3,777 |
| Noninterest expense to average assets | 3.8389% | 1,403 |
| Loan and lease loss provision to assets | 0.1708% | 4,758 |
| Net operating income to assets | 0.7377% | 3,401 |
| Return on assets (ROA) | 0.7377% | 3,584 |
| Pretax return on assets | 0.7924% | 4,102 |
| Return on Equity (ROE) | 7.8991% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.9735% | 3,142 |
| Net charge-offs to loans | -0.0195% | 7,431 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9431% | 2,832 |
| Assets per employee ($millions) | 2.6338% | 7,012 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 3,998 |
| Loan loss allowance to noncurrent loans | 57.5532% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7267% | 3,328 |
| Noncurrent loans to loans | 2.2843% | 2,877 |
| Net loans and leases to total assets | 67.0370% | 4,335 |
| Net loans and leases to deposits | 74.7258% | 5,397 |
| Net loans and leases to core deposits | 87.1999% | 5,818 |
| Total domestic deposits to total assets | 89.7106% | 929 |
| Equity capital to assets | 9.0529% | 5,287 |
| Core capital (leverage) ratio | 8.7539% | 5,056 |
| Tier 1 risk-based capital ratio | 11.9739% | 4,983 |
| Total risk-based capital ratio | 13.1605% | 4,947 |
| Memoranda: | ||
| Average total assets | $58,558,500 | 6,524 |
| Average earning assets | $51,714,500 | 6,585 |
| Average equity | $5,469,000 | 6,958 |
| Average total loans | $41,061,500 | 6,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8048% | 1,658 |
| Cost of funding earning assets | 2.2404% | 5,419 |
| Net interest margin | 4.5644% | 1,273 |
| Noninterest income to average assets | 0.9069% | 1,932 |
| Noninterest expense to average assets | 4.3724% | 975 |
| Loan and lease loss provision to assets | 0.6487% | 2,245 |
| Net operating income to assets | -0.1771% | 6,592 |
| Return on assets (ROA) | -0.1771% | 6,441 |
| Pretax return on assets | -0.1423% | 6,316 |
| Return on Equity (ROE) | -1.9759% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.8438% | 6,065 |
| Net charge-offs to loans | 0.8386% | 1,499 |
| Credit loss provision to net charge-offs | 115.2941% | 4,684 |
| Earnings coverage of net charge-offs (x) | 0.9000% | 5,684 |
| Efficiency ratio | 89.6201% | 1,544 |
| Assets per employee ($millions) | 2.3558% | 7,478 |
| Cash dividends to net income (ytd only)* | -43.9252% | 8,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,092 |
| Loan loss allowance to noncurrent loans | 46.0161% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1631% | 2,260 |
| Noncurrent loans to loans | 2.7262% | 1,990 |
| Net loans and leases to total assets | 71.5582% | 3,678 |
| Net loans and leases to deposits | 81.1322% | 4,851 |
| Net loans and leases to core deposits | 102.5915% | 4,539 |
| Total domestic deposits to total assets | 88.1995% | 1,384 |
| Equity capital to assets | 9.6463% | 4,492 |
| Core capital (leverage) ratio | 9.3093% | 4,282 |
| Tier 1 risk-based capital ratio | 12.0814% | 4,756 |
| Total risk-based capital ratio | 13.2335% | 4,725 |
| Memoranda: | ||
| Average total assets | $60,424,000 | 6,371 |
| Average earning assets | $52,580,600 | 6,481 |
| Average equity | $5,415,200 | 7,012 |
| Average total loans | $40,544,200 | 6,144 |