Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6186% | 6,699 |
| Cost of funding earning assets | 0.1821% | 6,560 |
| Net interest margin | 2.4365% | 6,518 |
| Noninterest income to average assets | 1.1595% | 1,136 |
| Noninterest expense to average assets | 2.7332% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5679% | 4,466 |
| Return on assets (ROA) | 0.5679% | 4,634 |
| Pretax return on assets | 0.7218% | 4,610 |
| Return on Equity (ROE) | 5.2098% | 4,615 |
| Retained earnings to average equity (ytd only) | 5.2098% | 2,920 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1096% | 2,284 |
| Assets per employee ($millions) | 2.5046% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 6,031 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.7887% | 6,470 |
| Net loans and leases to deposits | 36.9386% | 6,522 |
| Net loans and leases to core deposits | 37.9645% | 6,541 |
| Total domestic deposits to total assets | 88.7654% | 1,750 |
| Equity capital to assets | 11.0442% | 2,707 |
| Core capital (leverage) ratio | 11.0816% | 2,282 |
| Tier 1 risk-based capital ratio | 31.0532% | 475 |
| Total risk-based capital ratio | 31.9886% | 483 |
| Memoranda: | ||
| Average total assets | $33,806,670 | 6,560 |
| Average earning assets | $31,849,000 | 6,520 |
| Average equity | $3,685,330 | 6,524 |
| Average total loans | $11,262,670 | 6,660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6410% | 6,763 |
| Cost of funding earning assets | 0.1851% | 6,646 |
| Net interest margin | 2.4559% | 6,551 |
| Noninterest income to average assets | 1.0688% | 1,305 |
| Noninterest expense to average assets | 3.0903% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2324% | 5,783 |
| Return on assets (ROA) | 0.2324% | 5,912 |
| Pretax return on assets | 0.2904% | 5,876 |
| Return on Equity (ROE) | 2.1448% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.1448% | 4,929 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4089% | 1,031 |
| Assets per employee ($millions) | 2.4713% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,010 |
| Loan loss allowance to noncurrent loans | 49.5575% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 4,737 |
| Noncurrent loans to loans | 2.0041% | 2,614 |
| Net loans and leases to total assets | 32.2707% | 6,505 |
| Net loans and leases to deposits | 36.3586% | 6,559 |
| Net loans and leases to core deposits | 37.3000% | 6,586 |
| Total domestic deposits to total assets | 88.7566% | 1,824 |
| Equity capital to assets | 10.7723% | 3,232 |
| Core capital (leverage) ratio | 10.7854% | 2,469 |
| Tier 1 risk-based capital ratio | 28.9553% | 586 |
| Total risk-based capital ratio | 29.8458% | 595 |
| Memoranda: | ||
| Average total assets | $34,430,000 | 6,606 |
| Average earning assets | $32,412,000 | 6,567 |
| Average equity | $3,730,000 | 6,582 |
| Average total loans | $11,500,000 | 6,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 6,630 |
| Cost of funding earning assets | 0.1829% | 6,867 |
| Net interest margin | 3.0687% | 5,888 |
| Noninterest income to average assets | 0.9174% | 1,805 |
| Noninterest expense to average assets | 3.3865% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2935% | 5,492 |
| Return on assets (ROA) | 0.3621% | 5,473 |
| Pretax return on assets | 0.5036% | 5,267 |
| Return on Equity (ROE) | 3.6177% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.6177% | 3,659 |
| Net charge-offs to loans | 0.0077% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 282 |
| Efficiency ratio | 89.2396% | 1,128 |
| Assets per employee ($millions) | 2.4473% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,111 |
| Loan loss allowance to noncurrent loans | 50.2242% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 4,844 |
| Noncurrent loans to loans | 1.9022% | 2,803 |
| Net loans and leases to total assets | 33.8889% | 6,553 |
| Net loans and leases to deposits | 38.3404% | 6,625 |
| Net loans and leases to core deposits | 39.3527% | 6,635 |
| Total domestic deposits to total assets | 88.3895% | 1,968 |
| Equity capital to assets | 10.8955% | 3,075 |
| Core capital (leverage) ratio | 10.3027% | 3,012 |
| Tier 1 risk-based capital ratio | 31.9344% | 433 |
| Total risk-based capital ratio | 32.9219% | 435 |
| Memoranda: | ||
| Average total assets | $36,734,200 | 6,589 |
| Average earning assets | $34,444,800 | 6,544 |
| Average equity | $3,676,400 | 6,640 |
| Average total loans | $12,985,800 | 6,741 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 6,680 |
| Cost of funding earning assets | 0.1828% | 6,976 |
| Net interest margin | 3.1680% | 5,775 |
| Noninterest income to average assets | 0.9566% | 1,651 |
| Noninterest expense to average assets | 3.1483% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5444% | 4,645 |
| Return on assets (ROA) | 0.6318% | 4,484 |
| Pretax return on assets | 0.9031% | 4,085 |
| Return on Equity (ROE) | 6.4439% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.4439% | 2,407 |
| Net charge-offs to loans | 0.0100% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 218.5414% | 206 |
| Efficiency ratio | 80.1818% | 2,071 |
| Assets per employee ($millions) | 2.7335% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,398 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,808 |
| Noncurrent loans to loans | 0.0080% | 6,655 |
| Net loans and leases to total assets | 34.8773% | 6,620 |
| Net loans and leases to deposits | 39.5217% | 6,692 |
| Net loans and leases to core deposits | 40.5271% | 6,722 |
| Total domestic deposits to total assets | 88.2485% | 1,879 |
| Equity capital to assets | 10.8538% | 3,438 |
| Core capital (leverage) ratio | 10.1599% | 3,338 |
| Tier 1 risk-based capital ratio | 30.2326% | 520 |
| Total risk-based capital ratio | 31.1562% | 531 |
| Memoranda: | ||
| Average total assets | $37,352,250 | 6,659 |
| Average earning assets | $35,016,250 | 6,616 |
| Average equity | $3,662,250 | 6,728 |
| Average total loans | $13,301,500 | 6,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 6,626 |
| Cost of funding earning assets | 0.1917% | 7,045 |
| Net interest margin | 3.2924% | 5,458 |
| Noninterest income to average assets | 0.9484% | 1,619 |
| Noninterest expense to average assets | 3.0824% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6613% | 4,055 |
| Return on assets (ROA) | 0.7904% | 3,683 |
| Pretax return on assets | 1.1276% | 3,198 |
| Return on Equity (ROE) | 8.3395% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.3395% | 1,502 |
| Net charge-offs to loans | 0.0147% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 256 |
| Efficiency ratio | 76.5707% | 2,658 |
| Assets per employee ($millions) | 2.6804% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 6,610 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 6,472 |
| Noncurrent loans to loans | 0.3562% | 5,832 |
| Net loans and leases to total assets | 35.6153% | 6,628 |
| Net loans and leases to deposits | 39.8884% | 6,731 |
| Net loans and leases to core deposits | 40.8366% | 6,781 |
| Total domestic deposits to total assets | 89.2874% | 1,338 |
| Equity capital to assets | 10.0011% | 4,338 |
| Core capital (leverage) ratio | 9.7555% | 3,772 |
| Tier 1 risk-based capital ratio | 28.0657% | 639 |
| Total risk-based capital ratio | 28.9295% | 656 |
| Memoranda: | ||
| Average total assets | $37,957,670 | 6,682 |
| Average earning assets | $35,475,670 | 6,642 |
| Average equity | $3,597,330 | 6,783 |
| Average total loans | $13,566,670 | 6,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 6,558 |
| Cost of funding earning assets | 0.2127% | 7,084 |
| Net interest margin | 3.4040% | 5,107 |
| Noninterest income to average assets | 0.9431% | 1,591 |
| Noninterest expense to average assets | 3.0807% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7335% | 3,719 |
| Return on assets (ROA) | 0.7335% | 3,954 |
| Pretax return on assets | 1.0478% | 3,507 |
| Return on Equity (ROE) | 7.9557% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.9557% | 1,996 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6193% | 3,000 |
| Assets per employee ($millions) | 2.5345% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 6,682 |
| Loan loss allowance to noncurrent loans | 230.6122% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,570 |
| Noncurrent loans to loans | 0.3612% | 5,953 |
| Net loans and leases to total assets | 35.3842% | 6,667 |
| Net loans and leases to deposits | 39.1582% | 6,773 |
| Net loans and leases to core deposits | 39.7459% | 6,823 |
| Total domestic deposits to total assets | 90.3622% | 888 |
| Equity capital to assets | 9.2143% | 5,215 |
| Core capital (leverage) ratio | 9.2934% | 4,377 |
| Tier 1 risk-based capital ratio | 25.2734% | 878 |
| Total risk-based capital ratio | 26.0758% | 909 |
| Memoranda: | ||
| Average total assets | $38,173,500 | 6,730 |
| Average earning assets | $35,723,000 | 6,681 |
| Average equity | $3,519,500 | 6,845 |
| Average total loans | $13,611,500 | 6,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 6,972 |
| Cost of funding earning assets | 0.2862% | 7,123 |
| Net interest margin | 3.2543% | 5,942 |
| Noninterest income to average assets | 0.9635% | 1,464 |
| Noninterest expense to average assets | 3.7705% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1678% | 5,682 |
| Return on assets (ROA) | 0.3186% | 5,343 |
| Pretax return on assets | 0.4230% | 5,220 |
| Return on Equity (ROE) | 3.4409% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.4409% | 3,775 |
| Net charge-offs to loans | 0.0079% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 347 |
| Efficiency ratio | 94.4408% | 894 |
| Assets per employee ($millions) | 2.2547% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,685 |
| Loan loss allowance to noncurrent loans | 245.6522% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,658 |
| Noncurrent loans to loans | 0.3368% | 6,057 |
| Net loans and leases to total assets | 35.3379% | 6,796 |
| Net loans and leases to deposits | 39.3007% | 6,912 |
| Net loans and leases to core deposits | 40.1381% | 6,938 |
| Total domestic deposits to total assets | 89.9165% | 1,034 |
| Equity capital to assets | 9.2252% | 5,248 |
| Core capital (leverage) ratio | 9.0668% | 4,670 |
| Tier 1 risk-based capital ratio | 23.3394% | 1,057 |
| Total risk-based capital ratio | 24.0953% | 1,094 |
| Memoranda: | ||
| Average total assets | $38,297,800 | 6,731 |
| Average earning assets | $35,644,600 | 6,689 |
| Average equity | $3,545,600 | 6,867 |
| Average total loans | $12,580,200 | 7,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 6,983 |
| Cost of funding earning assets | 0.3108% | 7,197 |
| Net interest margin | 3.3364% | 5,750 |
| Noninterest income to average assets | 0.9680% | 1,426 |
| Noninterest expense to average assets | 3.1409% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6515% | 3,866 |
| Return on assets (ROA) | 0.8392% | 3,142 |
| Pretax return on assets | 1.1979% | 2,645 |
| Return on Equity (ROE) | 9.0567% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.0567% | 1,125 |
| Net charge-offs to loans | 0.0217% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 133.3296% | 281 |
| Efficiency ratio | 77.1600% | 2,657 |
| Assets per employee ($millions) | 2.3873% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,610 |
| Loan loss allowance to noncurrent loans | 243.4783% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 6,747 |
| Noncurrent loans to loans | 0.3679% | 6,120 |
| Net loans and leases to total assets | 32.4380% | 7,013 |
| Net loans and leases to deposits | 36.3247% | 7,070 |
| Net loans and leases to core deposits | 37.1047% | 7,096 |
| Total domestic deposits to total assets | 89.2999% | 1,255 |
| Equity capital to assets | 9.7445% | 4,710 |
| Core capital (leverage) ratio | 9.4738% | 4,190 |
| Tier 1 risk-based capital ratio | 27.4352% | 703 |
| Total risk-based capital ratio | 28.2868% | 722 |
| Memoranda: | ||
| Average total assets | $38,289,750 | 6,784 |
| Average earning assets | $35,606,000 | 6,752 |
| Average equity | $3,548,000 | 6,923 |
| Average total loans | $12,310,750 | 7,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 6,923 |
| Cost of funding earning assets | 0.2982% | 7,312 |
| Net interest margin | 3.4945% | 5,186 |
| Noninterest income to average assets | 0.9603% | 1,430 |
| Noninterest expense to average assets | 3.0584% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8011% | 3,067 |
| Return on assets (ROA) | 0.8925% | 2,780 |
| Pretax return on assets | 1.2735% | 2,232 |
| Return on Equity (ROE) | 9.7994% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.7994% | 895 |
| Net charge-offs to loans | 0.0327% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 331 |
| Efficiency ratio | 72.7950% | 3,583 |
| Assets per employee ($millions) | 2.2515% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 31.3207% | 7,134 |
| Net loans and leases to deposits | 35.0321% | 7,190 |
| Net loans and leases to core deposits | 35.7787% | 7,224 |
| Total domestic deposits to total assets | 89.4056% | 1,300 |
| Equity capital to assets | 9.6172% | 4,636 |
| Core capital (leverage) ratio | 9.3762% | 4,149 |
| Tier 1 risk-based capital ratio | 26.8927% | 736 |
| Total risk-based capital ratio | 27.7440% | 748 |
| Memoranda: | ||
| Average total assets | $38,321,000 | 6,848 |
| Average earning assets | $35,542,000 | 6,816 |
| Average equity | $3,490,000 | 6,982 |
| Average total loans | $12,247,000 | 7,160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 6,695 |
| Cost of funding earning assets | 0.3269% | 7,357 |
| Net interest margin | 3.6745% | 4,228 |
| Noninterest income to average assets | 0.9389% | 1,506 |
| Noninterest expense to average assets | 3.0044% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9337% | 2,433 |
| Return on assets (ROA) | 1.1162% | 1,835 |
| Pretax return on assets | 1.5961% | 1,200 |
| Return on Equity (ROE) | 12.6086% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.6086% | 654 |
| Net charge-offs to loans | 0.0649% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 466 |
| Efficiency ratio | 69.2308% | 4,429 |
| Assets per employee ($millions) | 2.5615% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,643 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,207 |
| Noncurrent loans to loans | 0.0082% | 7,065 |
| Net loans and leases to total assets | 31.2868% | 7,194 |
| Net loans and leases to deposits | 34.6976% | 7,256 |
| Net loans and leases to core deposits | 35.7417% | 7,270 |
| Total domestic deposits to total assets | 90.1697% | 1,047 |
| Equity capital to assets | 9.0391% | 5,140 |
| Core capital (leverage) ratio | 9.2300% | 4,241 |
| Tier 1 risk-based capital ratio | 25.8386% | 802 |
| Total risk-based capital ratio | 26.6716% | 817 |
| Memoranda: | ||
| Average total assets | $38,344,000 | 6,894 |
| Average earning assets | $35,487,500 | 6,859 |
| Average equity | $3,394,500 | 7,049 |
| Average total loans | $12,320,500 | 7,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 7,322 |
| Cost of funding earning assets | 0.4676% | 7,346 |
| Net interest margin | 3.1984% | 6,276 |
| Noninterest income to average assets | 0.8201% | 2,186 |
| Noninterest expense to average assets | 3.6049% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1167% | 5,546 |
| Return on assets (ROA) | 0.3586% | 4,871 |
| Pretax return on assets | 0.4826% | 4,681 |
| Return on Equity (ROE) | 3.9768% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,082 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8626% | 977 |
| Assets per employee ($millions) | 2.2509% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 6,695 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 7,226 |
| Noncurrent loans to loans | 0.0320% | 7,052 |
| Net loans and leases to total assets | 32.3891% | 7,278 |
| Net loans and leases to deposits | 36.4905% | 7,334 |
| Net loans and leases to core deposits | 37.6020% | 7,362 |
| Total domestic deposits to total assets | 88.7603% | 1,790 |
| Equity capital to assets | 8.6657% | 5,631 |
| Core capital (leverage) ratio | 8.8729% | 4,744 |
| Tier 1 risk-based capital ratio | 22.4542% | 1,113 |
| Total risk-based capital ratio | 23.2144% | 1,150 |
| Memoranda: | ||
| Average total assets | $37,920,200 | 6,940 |
| Average earning assets | $34,861,000 | 6,916 |
| Average equity | $3,419,800 | 7,154 |
| Average total loans | $12,212,000 | 7,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 7,463 |
| Cost of funding earning assets | 0.4952% | 7,451 |
| Net interest margin | 3.1785% | 6,412 |
| Noninterest income to average assets | 0.8951% | 1,817 |
| Noninterest expense to average assets | 3.3127% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3496% | 4,973 |
| Return on assets (ROA) | 0.6555% | 3,791 |
| Pretax return on assets | 0.9374% | 3,421 |
| Return on Equity (ROE) | 7.1970% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.1970% | 1,755 |
| Net charge-offs to loans | -0.0220% | 7,365 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8762% | 1,543 |
| Assets per employee ($millions) | 2.6605% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 6,627 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 7,363 |
| Noncurrent loans to loans | 0.0162% | 7,221 |
| Net loans and leases to total assets | 32.9261% | 7,377 |
| Net loans and leases to deposits | 36.8333% | 7,451 |
| Net loans and leases to core deposits | 37.9761% | 7,458 |
| Total domestic deposits to total assets | 89.3924% | 1,179 |
| Equity capital to assets | 9.5256% | 4,800 |
| Core capital (leverage) ratio | 9.0994% | 4,533 |
| Tier 1 risk-based capital ratio | 24.8871% | 868 |
| Total risk-based capital ratio | 25.7320% | 881 |
| Memoranda: | ||
| Average total assets | $37,833,750 | 7,023 |
| Average earning assets | $34,732,000 | 7,007 |
| Average equity | $3,445,750 | 7,242 |
| Average total loans | $12,138,000 | 7,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 7,569 |
| Cost of funding earning assets | 0.5142% | 7,525 |
| Net interest margin | 3.0853% | 6,639 |
| Noninterest income to average assets | 0.8835% | 1,746 |
| Noninterest expense to average assets | 3.2238% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3324% | 5,052 |
| Return on assets (ROA) | 0.7889% | 3,167 |
| Pretax return on assets | 1.1202% | 2,712 |
| Return on Equity (ROE) | 8.7933% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.7933% | 1,183 |
| Net charge-offs to loans | -0.0332% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3219% | 1,578 |
| Assets per employee ($millions) | 2.3533% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,363 |
| Loan loss allowance to noncurrent loans | 3,866.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 7,398 |
| Noncurrent loans to loans | 0.0261% | 7,258 |
| Net loans and leases to total assets | 30.2419% | 7,529 |
| Net loans and leases to deposits | 33.7013% | 7,583 |
| Net loans and leases to core deposits | 34.7387% | 7,590 |
| Total domestic deposits to total assets | 89.7352% | 1,055 |
| Equity capital to assets | 9.3645% | 4,906 |
| Core capital (leverage) ratio | 8.9575% | 4,674 |
| Tier 1 risk-based capital ratio | 26.5844% | 731 |
| Total risk-based capital ratio | 27.4965% | 744 |
| Memoranda: | ||
| Average total assets | $38,029,330 | 7,076 |
| Average earning assets | $34,615,670 | 7,060 |
| Average equity | $3,411,670 | 7,293 |
| Average total loans | $12,057,330 | 7,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 7,519 |
| Cost of funding earning assets | 0.5627% | 7,588 |
| Net interest margin | 3.3419% | 5,809 |
| Noninterest income to average assets | 0.7850% | 2,093 |
| Noninterest expense to average assets | 3.0771% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5265% | 4,255 |
| Return on assets (ROA) | 0.5338% | 4,352 |
| Pretax return on assets | 0.7640% | 4,012 |
| Return on Equity (ROE) | 6.0814% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.0814% | 2,584 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3279% | 2,514 |
| Assets per employee ($millions) | 2.5785% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,505 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 7,050 |
| Noncurrent loans to loans | 0.5746% | 6,156 |
| Net loans and leases to total assets | 29.4025% | 7,641 |
| Net loans and leases to deposits | 32.4924% | 7,688 |
| Net loans and leases to core deposits | 33.4539% | 7,693 |
| Total domestic deposits to total assets | 90.4905% | 742 |
| Equity capital to assets | 8.7158% | 5,710 |
| Core capital (leverage) ratio | 8.7204% | 4,986 |
| Tier 1 risk-based capital ratio | 25.4379% | 819 |
| Total risk-based capital ratio | 26.3215% | 833 |
| Memoranda: | ||
| Average total assets | $38,217,500 | 7,147 |
| Average earning assets | $34,831,000 | 7,133 |
| Average equity | $3,354,500 | 7,389 |
| Average total loans | $12,334,500 | 7,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 7,368 |
| Cost of funding earning assets | 0.8035% | 7,548 |
| Net interest margin | 3.7150% | 4,067 |
| Noninterest income to average assets | 0.9385% | 1,793 |
| Noninterest expense to average assets | 3.7910% | 1,713 |
| Loan and lease loss provision to assets | 0.0527% | 7,037 |
| Net operating income to assets | 0.4060% | 4,106 |
| Return on assets (ROA) | 0.4060% | 4,212 |
| Pretax return on assets | 0.4956% | 4,198 |
| Return on Equity (ROE) | 4.6133% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.6133% | 2,031 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3633% | 1,942 |
| Assets per employee ($millions) | 2.6970% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 6,915 |
| Loan loss allowance to noncurrent loans | 174.2424% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 7,042 |
| Noncurrent loans to loans | 0.5006% | 6,251 |
| Net loans and leases to total assets | 34.6099% | 7,575 |
| Net loans and leases to deposits | 38.2676% | 7,672 |
| Net loans and leases to core deposits | 48.2001% | 7,626 |
| Total domestic deposits to total assets | 90.4418% | 765 |
| Equity capital to assets | 8.8405% | 5,368 |
| Core capital (leverage) ratio | 8.4961% | 5,285 |
| Tier 1 risk-based capital ratio | 22.5267% | 1,088 |
| Total risk-based capital ratio | 23.3285% | 1,116 |
| Memoranda: | ||
| Average total assets | $37,932,200 | 7,172 |
| Average earning assets | $34,724,200 | 7,150 |
| Average equity | $3,338,200 | 7,492 |
| Average total loans | $14,118,800 | 7,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 7,340 |
| Cost of funding earning assets | 0.8583% | 7,616 |
| Net interest margin | 3.8010% | 3,651 |
| Noninterest income to average assets | 0.9374% | 1,828 |
| Noninterest expense to average assets | 3.3705% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7513% | 3,018 |
| Return on assets (ROA) | 0.7513% | 3,077 |
| Pretax return on assets | 1.0498% | 2,742 |
| Return on Equity (ROE) | 8.5473% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.5473% | 959 |
| Net charge-offs to loans | -0.0371% | 7,828 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2510% | 3,460 |
| Assets per employee ($millions) | 2.7035% | 6,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 7,361 |
| Loan loss allowance to noncurrent loans | 816.6667% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 7,500 |
| Noncurrent loans to loans | 0.0860% | 7,273 |
| Net loans and leases to total assets | 36.5928% | 7,599 |
| Net loans and leases to deposits | 40.7653% | 7,706 |
| Net loans and leases to core deposits | 50.9960% | 7,663 |
| Total domestic deposits to total assets | 89.7646% | 860 |
| Equity capital to assets | 9.0623% | 5,397 |
| Core capital (leverage) ratio | 8.7715% | 5,018 |
| Tier 1 risk-based capital ratio | 21.2546% | 1,334 |
| Total risk-based capital ratio | 21.8877% | 1,385 |
| Memoranda: | ||
| Average total assets | $37,975,750 | 7,234 |
| Average earning assets | $34,796,500 | 7,217 |
| Average equity | $3,338,250 | 7,558 |
| Average total loans | $14,352,750 | 7,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 7,058 |
| Cost of funding earning assets | 0.9009% | 7,694 |
| Net interest margin | 3.9880% | 2,753 |
| Noninterest income to average assets | 0.8785% | 2,066 |
| Noninterest expense to average assets | 3.3405% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8522% | 2,643 |
| Return on assets (ROA) | 0.8522% | 2,744 |
| Pretax return on assets | 1.1942% | 2,317 |
| Return on Equity (ROE) | 9.7954% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.7954% | 771 |
| Net charge-offs to loans | -0.0552% | 7,863 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6659% | 4,085 |
| Assets per employee ($millions) | 2.2712% | 7,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 7,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.3720% | 7,627 |
| Net loans and leases to deposits | 42.6735% | 7,740 |
| Net loans and leases to core deposits | 54.2885% | 7,651 |
| Total domestic deposits to total assets | 89.9199% | 861 |
| Equity capital to assets | 9.0894% | 5,178 |
| Core capital (leverage) ratio | 8.5905% | 5,279 |
| Tier 1 risk-based capital ratio | 21.2008% | 1,363 |
| Total risk-based capital ratio | 21.8425% | 1,427 |
| Memoranda: | ||
| Average total assets | $38,018,000 | 7,293 |
| Average earning assets | $34,855,000 | 7,276 |
| Average equity | $3,307,670 | 7,630 |
| Average total loans | $14,487,670 | 7,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 7,351 |
| Cost of funding earning assets | 0.9650% | 7,725 |
| Net interest margin | 3.8487% | 3,252 |
| Noninterest income to average assets | 0.8956% | 1,871 |
| Noninterest expense to average assets | 3.0676% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0088% | 2,273 |
| Return on assets (ROA) | 1.0088% | 2,416 |
| Pretax return on assets | 1.3588% | 2,091 |
| Return on Equity (ROE) | 11.8429% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.8429% | 822 |
| Net charge-offs to loans | -0.1088% | 7,903 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3023% | 4,717 |
| Assets per employee ($millions) | 2.4126% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 7,416 |
| Loan loss allowance to noncurrent loans | 251.2821% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 7,287 |
| Noncurrent loans to loans | 0.2823% | 6,728 |
| Net loans and leases to total assets | 35.5379% | 7,746 |
| Net loans and leases to deposits | 39.3043% | 7,861 |
| Net loans and leases to core deposits | 50.7867% | 7,762 |
| Total domestic deposits to total assets | 90.4173% | 630 |
| Equity capital to assets | 8.6656% | 5,816 |
| Core capital (leverage) ratio | 8.2143% | 6,071 |
| Tier 1 risk-based capital ratio | 20.4221% | 1,537 |
| Total risk-based capital ratio | 21.0526% | 1,610 |
| Memoranda: | ||
| Average total assets | $38,857,500 | 7,306 |
| Average earning assets | $35,648,000 | 7,275 |
| Average equity | $3,310,000 | 7,682 |
| Average total loans | $14,710,500 | 7,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 7,495 |
| Cost of funding earning assets | 1.4294% | 7,709 |
| Net interest margin | 3.9480% | 3,372 |
| Noninterest income to average assets | 0.9779% | 1,661 |
| Noninterest expense to average assets | 4.0778% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4057% | 5,129 |
| Return on assets (ROA) | 0.4709% | 4,684 |
| Pretax return on assets | 0.6205% | 4,625 |
| Return on Equity (ROE) | 5.4044% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.4044% | 1,808 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4084% | 1,642 |
| Assets per employee ($millions) | 2.4446% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 7,677 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,653 |
| Noncurrent loans to loans | 0.0064% | 7,530 |
| Net loans and leases to total assets | 39.6559% | 7,687 |
| Net loans and leases to deposits | 43.8028% | 7,855 |
| Net loans and leases to core deposits | 57.8122% | 7,675 |
| Total domestic deposits to total assets | 90.5328% | 472 |
| Equity capital to assets | 8.3730% | 6,308 |
| Core capital (leverage) ratio | 7.8235% | 6,767 |
| Tier 1 risk-based capital ratio | 17.6626% | 2,129 |
| Total risk-based capital ratio | 18.2022% | 2,273 |
| Memoranda: | ||
| Average total assets | $36,097,800 | 7,376 |
| Average earning assets | $33,231,600 | 7,366 |
| Average equity | $3,145,600 | 7,791 |
| Average total loans | $14,252,000 | 7,692 |