Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 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 | 3.1736% | 6,326 |
| Cost of funding earning assets | 0.3276% | 5,741 |
| Net interest margin | 2.8460% | 5,927 |
| Noninterest income to average assets | 0.2571% | 5,616 |
| Noninterest expense to average assets | 1.6417% | 6,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3648% | 1,111 |
| Return on assets (ROA) | 1.3648% | 1,200 |
| Pretax return on assets | 1.3648% | 1,993 |
| Return on Equity (ROE) | 16.4531% | 558 |
| Retained earnings to average equity (ytd only) | 16.4531% | 250 |
| 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 | 54.6053% | 6,182 |
| Assets per employee ($millions) | 4.9545% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 1,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.5491% | 4,764 |
| Net loans and leases to deposits | 63.0929% | 4,407 |
| Net loans and leases to core deposits | 68.4077% | 4,252 |
| Total domestic deposits to total assets | 81.7035% | 5,297 |
| Equity capital to assets | 8.6386% | 5,873 |
| Core capital (leverage) ratio | 8.4235% | 5,676 |
| Tier 1 risk-based capital ratio | 15.7628% | 3,392 |
| Total risk-based capital ratio | 17.0242% | 3,344 |
| Memoranda: | ||
| Average total assets | $20,222,500 | 6,895 |
| Average earning assets | $19,536,000 | 6,861 |
| Average equity | $1,677,500 | 6,931 |
| Average total loans | $10,602,000 | 6,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 6,411 |
| Cost of funding earning assets | 0.4071% | 5,869 |
| Net interest margin | 3.0454% | 5,937 |
| Noninterest income to average assets | 0.3492% | 4,973 |
| Noninterest expense to average assets | 1.7704% | 6,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4852% | 947 |
| Return on assets (ROA) | 1.4852% | 1,047 |
| Pretax return on assets | 1.4852% | 1,727 |
| Return on Equity (ROE) | 18.2544% | 424 |
| Retained earnings to average equity (ytd only) | 0.3022% | 5,705 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3807% | 6,228 |
| Assets per employee ($millions) | 5.1568% | 2,039 |
| Cash dividends to net income (ytd only)* | 98.3444% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.0108% | 5,033 |
| Net loans and leases to deposits | 64.8705% | 4,446 |
| Net loans and leases to core deposits | 70.3154% | 4,263 |
| Total domestic deposits to total assets | 78.6348% | 5,966 |
| Equity capital to assets | 7.9653% | 6,425 |
| Core capital (leverage) ratio | 7.8417% | 6,319 |
| Tier 1 risk-based capital ratio | 14.6762% | 3,909 |
| Total risk-based capital ratio | 15.9357% | 3,864 |
| Memoranda: | ||
| Average total assets | $20,334,200 | 6,951 |
| Average earning assets | $19,406,200 | 6,917 |
| Average equity | $1,654,400 | 7,006 |
| Average total loans | $11,039,800 | 6,806 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 6,521 |
| Cost of funding earning assets | 0.4151% | 6,028 |
| Net interest margin | 3.0716% | 6,004 |
| Noninterest income to average assets | 0.3685% | 4,887 |
| Noninterest expense to average assets | 1.7768% | 6,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5135% | 996 |
| Return on assets (ROA) | 1.5135% | 1,108 |
| Pretax return on assets | 1.5135% | 1,831 |
| Return on Equity (ROE) | 18.5041% | 443 |
| Retained earnings to average equity (ytd only) | 0.8852% | 5,812 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 6,248 |
| Assets per employee ($millions) | 5.5523% | 1,587 |
| Cash dividends to net income (ytd only)* | 95.2162% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 1,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 49.6600% | 5,351 |
| Net loans and leases to deposits | 69.7861% | 3,923 |
| Net loans and leases to core deposits | 72.1274% | 4,232 |
| Total domestic deposits to total assets | 71.1603% | 6,783 |
| Equity capital to assets | 7.4249% | 6,786 |
| Core capital (leverage) ratio | 7.7197% | 6,516 |
| Tier 1 risk-based capital ratio | 14.1085% | 4,451 |
| Total risk-based capital ratio | 15.3662% | 4,406 |
| Memoranda: | ||
| Average total assets | $20,261,000 | 7,045 |
| Average earning assets | $19,273,250 | 7,010 |
| Average equity | $1,657,250 | 7,097 |
| Average total loans | $11,111,000 | 6,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 6,592 |
| Cost of funding earning assets | 0.4377% | 6,048 |
| Net interest margin | 3.0747% | 6,064 |
| Noninterest income to average assets | 0.2651% | 5,682 |
| Noninterest expense to average assets | 1.8254% | 6,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3767% | 1,242 |
| Return on assets (ROA) | 1.3767% | 1,398 |
| Pretax return on assets | 1.3767% | 2,301 |
| Return on Equity (ROE) | 16.2651% | 731 |
| Retained earnings to average equity (ytd only) | 0.6024% | 5,825 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0064% | 6,001 |
| Assets per employee ($millions) | 5.1345% | 1,989 |
| Cash dividends to net income (ytd only)* | 96.2963% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 2,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 6,436 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 54.8057% | 4,662 |
| Net loans and leases to deposits | 71.6258% | 3,669 |
| Net loans and leases to core deposits | 74.0380% | 4,030 |
| Total domestic deposits to total assets | 76.5167% | 6,394 |
| Equity capital to assets | 7.9998% | 6,566 |
| Core capital (leverage) ratio | 8.8567% | 5,116 |
| Tier 1 risk-based capital ratio | 14.2337% | 4,280 |
| Total risk-based capital ratio | 15.4899% | 4,245 |
| Memoranda: | ||
| Average total assets | $19,611,670 | 7,113 |
| Average earning assets | $18,733,330 | 7,077 |
| Average equity | $1,660,000 | 7,153 |
| Average total loans | $11,060,670 | 6,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 6,536 |
| Cost of funding earning assets | 0.4625% | 6,063 |
| Net interest margin | 3.1715% | 5,844 |
| Noninterest income to average assets | 0.2716% | 5,702 |
| Noninterest expense to average assets | 1.9636% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3160% | 1,416 |
| Return on assets (ROA) | 1.3160% | 1,583 |
| Pretax return on assets | 1.3160% | 2,486 |
| Return on Equity (ROE) | 15.1034% | 953 |
| Retained earnings to average equity (ytd only) | 14.6239% | 494 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8726% | 5,633 |
| Assets per employee ($millions) | 4.7783% | 2,547 |
| Cash dividends to net income (ytd only)* | 3.1746% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 1,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,503 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.8266% | 4,583 |
| Net loans and leases to deposits | 65.4324% | 4,442 |
| Net loans and leases to core deposits | 67.5890% | 4,724 |
| Total domestic deposits to total assets | 83.7911% | 4,597 |
| Equity capital to assets | 8.8892% | 5,654 |
| Core capital (leverage) ratio | 8.8136% | 5,116 |
| Tier 1 risk-based capital ratio | 15.7490% | 3,322 |
| Total risk-based capital ratio | 17.0096% | 3,281 |
| Memoranda: | ||
| Average total assets | $19,148,500 | 7,181 |
| Average earning assets | $18,162,000 | 7,145 |
| Average equity | $1,668,500 | 7,208 |
| Average total loans | $10,846,500 | 7,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 6,846 |
| Cost of funding earning assets | 0.5480% | 6,348 |
| Net interest margin | 3.1545% | 6,206 |
| Noninterest income to average assets | 0.2647% | 5,632 |
| Noninterest expense to average assets | 1.7962% | 6,956 |
| Loan and lease loss provision to assets | 0.0662% | 5,784 |
| Net operating income to assets | 1.4228% | 983 |
| Return on assets (ROA) | 1.4228% | 1,059 |
| Pretax return on assets | 1.4228% | 1,706 |
| Return on Equity (ROE) | 18.2668% | 362 |
| Retained earnings to average equity (ytd only) | 0.1214% | 5,781 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6763% | 6,453 |
| Assets per employee ($millions) | 4.7960% | 2,456 |
| Cash dividends to net income (ytd only)* | 99.3355% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 6,564 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.0259% | 4,699 |
| Net loans and leases to deposits | 61.8839% | 5,260 |
| Net loans and leases to core deposits | 77.4463% | 3,756 |
| Total domestic deposits to total assets | 90.5338% | 701 |
| Equity capital to assets | 8.5384% | 6,092 |
| Core capital (leverage) ratio | 8.0235% | 6,240 |
| Tier 1 risk-based capital ratio | 14.9575% | 3,663 |
| Total risk-based capital ratio | 16.2177% | 3,618 |
| Memoranda: | ||
| Average total assets | $21,155,800 | 7,179 |
| Average earning assets | $20,257,000 | 7,138 |
| Average equity | $1,647,800 | 7,265 |
| Average total loans | $11,538,800 | 7,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 6,956 |
| Cost of funding earning assets | 0.5586% | 6,484 |
| Net interest margin | 3.1140% | 6,364 |
| Noninterest income to average assets | 0.2648% | 5,723 |
| Noninterest expense to average assets | 1.8230% | 6,959 |
| Loan and lease loss provision to assets | 0.0862% | 5,369 |
| Net operating income to assets | 1.3426% | 1,283 |
| Return on assets (ROA) | 1.3426% | 1,373 |
| Pretax return on assets | 1.3426% | 2,141 |
| Return on Equity (ROE) | 17.6131% | 498 |
| Retained earnings to average equity (ytd only) | -0.4848% | 6,065 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0606% | 6,279 |
| Assets per employee ($millions) | 5.3735% | 1,733 |
| Cash dividends to net income (ytd only)* | 102.7524% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 6,705 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.8295% | 4,865 |
| Net loans and leases to deposits | 76.4818% | 3,253 |
| Net loans and leases to core deposits | 79.0462% | 3,765 |
| Total domestic deposits to total assets | 72.9971% | 6,858 |
| Equity capital to assets | 7.5835% | 6,903 |
| Core capital (leverage) ratio | 7.9107% | 6,475 |
| Tier 1 risk-based capital ratio | 13.1653% | 4,976 |
| Total risk-based capital ratio | 14.4253% | 4,944 |
| Memoranda: | ||
| Average total assets | $21,648,750 | 7,240 |
| Average earning assets | $20,766,000 | 7,204 |
| Average equity | $1,650,250 | 7,339 |
| Average total loans | $11,678,250 | 7,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 7,081 |
| Cost of funding earning assets | 0.5847% | 6,525 |
| Net interest margin | 3.0386% | 6,529 |
| Noninterest income to average assets | 0.2673% | 5,740 |
| Noninterest expense to average assets | 1.8249% | 7,052 |
| Loan and lease loss provision to assets | 0.1106% | 4,915 |
| Net operating income to assets | 1.2534% | 1,435 |
| Return on assets (ROA) | 1.2534% | 1,504 |
| Pretax return on assets | 1.2534% | 2,292 |
| Return on Equity (ROE) | 16.4152% | 618 |
| Retained earnings to average equity (ytd only) | -0.2414% | 5,886 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2254% | 6,266 |
| Assets per employee ($millions) | 5.1470% | 1,937 |
| Cash dividends to net income (ytd only)* | 101.4706% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 2,821 |
| 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 | 59.4424% | 4,390 |
| Net loans and leases to deposits | 74.8776% | 3,664 |
| Net loans and leases to core deposits | 77.2796% | 4,154 |
| Total domestic deposits to total assets | 79.3861% | 5,981 |
| Equity capital to assets | 7.9367% | 6,724 |
| Core capital (leverage) ratio | 7.5606% | 6,705 |
| Tier 1 risk-based capital ratio | 13.4276% | 4,588 |
| Total risk-based capital ratio | 14.6849% | 4,566 |
| Memoranda: | ||
| Average total assets | $21,700,330 | 7,309 |
| Average earning assets | $20,864,670 | 7,275 |
| Average equity | $1,657,000 | 7,403 |
| Average total loans | $11,493,330 | 7,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 7,218 |
| Cost of funding earning assets | 0.5929% | 6,630 |
| Net interest margin | 2.8902% | 6,776 |
| Noninterest income to average assets | 0.2516% | 5,890 |
| Noninterest expense to average assets | 1.7793% | 7,162 |
| Loan and lease loss provision to assets | 0.1078% | 4,663 |
| Net operating income to assets | 1.1682% | 1,602 |
| Return on assets (ROA) | 1.1682% | 1,658 |
| Pretax return on assets | 1.1682% | 2,488 |
| Return on Equity (ROE) | 15.5829% | 728 |
| Retained earnings to average equity (ytd only) | 15.5829% | 340 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2353% | 6,238 |
| Assets per employee ($millions) | 5.7033% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 47.4072% | 6,147 |
| Net loans and leases to deposits | 67.4546% | 4,753 |
| Net loans and leases to core deposits | 69.6573% | 5,091 |
| Total domestic deposits to total assets | 70.2801% | 7,167 |
| Equity capital to assets | 7.4563% | 6,889 |
| Core capital (leverage) ratio | 7.6491% | 6,604 |
| Tier 1 risk-based capital ratio | 14.9855% | 3,432 |
| Total risk-based capital ratio | 16.2453% | 3,389 |
| Memoranda: | ||
| Average total assets | $22,256,500 | 7,354 |
| Average earning assets | $21,590,000 | 7,308 |
| Average equity | $1,668,500 | 7,455 |
| Average total loans | $11,005,500 | 7,272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 7,158 |
| Cost of funding earning assets | 0.8110% | 6,518 |
| Net interest margin | 3.1539% | 6,378 |
| Noninterest income to average assets | 0.2664% | 5,881 |
| Noninterest expense to average assets | 1.8733% | 7,197 |
| Loan and lease loss provision to assets | 0.0387% | 6,774 |
| Net operating income to assets | 1.3620% | 1,026 |
| Return on assets (ROA) | 1.3620% | 1,101 |
| Pretax return on assets | 1.3620% | 1,764 |
| Return on Equity (ROE) | 19.5969% | 278 |
| Retained earnings to average equity (ytd only) | 3.8947% | 3,142 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2178% | 6,429 |
| Assets per employee ($millions) | 5.4250% | 1,652 |
| Cash dividends to net income (ytd only)* | 80.1262% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 2,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.5484% | 6,205 |
| Net loans and leases to deposits | 64.7165% | 5,544 |
| Net loans and leases to core deposits | 66.7453% | 5,804 |
| Total domestic deposits to total assets | 76.5622% | 6,558 |
| Equity capital to assets | 7.5392% | 6,860 |
| Core capital (leverage) ratio | 7.0148% | 7,020 |
| Tier 1 risk-based capital ratio | 14.8606% | 3,328 |
| Total risk-based capital ratio | 16.1232% | 3,281 |
| Memoranda: | ||
| Average total assets | $23,274,000 | 7,387 |
| Average earning assets | $22,194,600 | 7,342 |
| Average equity | $1,617,600 | 7,562 |
| Average total loans | $12,061,400 | 7,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 7,276 |
| Cost of funding earning assets | 0.8477% | 6,588 |
| Net interest margin | 3.1597% | 6,454 |
| Noninterest income to average assets | 0.2760% | 5,896 |
| Noninterest expense to average assets | 1.7295% | 7,411 |
| Loan and lease loss provision to assets | 0.1014% | 6,007 |
| Net operating income to assets | 1.4478% | 1,023 |
| Return on assets (ROA) | 1.4478% | 1,097 |
| Pretax return on assets | 1.4478% | 1,753 |
| Return on Equity (ROE) | 21.2436% | 242 |
| Retained earnings to average equity (ytd only) | 4.9597% | 3,019 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7491% | 6,911 |
| Assets per employee ($millions) | 6.1158% | 1,169 |
| Cash dividends to net income (ytd only)* | 76.6532% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 2,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.4921% | 6,564 |
| Net loans and leases to deposits | 68.8801% | 5,302 |
| Net loans and leases to core deposits | 71.0017% | 5,640 |
| Total domestic deposits to total assets | 68.9490% | 7,331 |
| Equity capital to assets | 6.6754% | 7,399 |
| Core capital (leverage) ratio | 6.8309% | 7,242 |
| Tier 1 risk-based capital ratio | 13.4116% | 4,259 |
| Total risk-based capital ratio | 14.6600% | 4,230 |
| Memoranda: | ||
| Average total assets | $23,667,500 | 7,476 |
| Average earning assets | $22,491,000 | 7,432 |
| Average equity | $1,613,000 | 7,662 |
| Average total loans | $12,334,000 | 7,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 7,274 |
| Cost of funding earning assets | 0.9067% | 6,553 |
| Net interest margin | 3.2048% | 6,304 |
| Noninterest income to average assets | 0.2906% | 5,822 |
| Noninterest expense to average assets | 1.7520% | 7,454 |
| Loan and lease loss provision to assets | 0.1026% | 5,890 |
| Net operating income to assets | 1.4870% | 934 |
| Return on assets (ROA) | 1.4870% | 996 |
| Pretax return on assets | 1.4870% | 1,590 |
| Return on Equity (ROE) | 21.6643% | 227 |
| Retained earnings to average equity (ytd only) | 1.6186% | 5,054 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4297% | 7,030 |
| Assets per employee ($millions) | 5.7893% | 1,381 |
| Cash dividends to net income (ytd only)* | 92.5287% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.6148% | 6,148 |
| Net loans and leases to deposits | 73.0368% | 4,825 |
| Net loans and leases to core deposits | 75.3028% | 5,280 |
| Total domestic deposits to total assets | 72.0387% | 7,179 |
| Equity capital to assets | 6.8489% | 7,402 |
| Core capital (leverage) ratio | 6.5686% | 7,361 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,509 |
| Total risk-based capital ratio | 14.1902% | 4,453 |
| Memoranda: | ||
| Average total assets | $23,402,330 | 7,548 |
| Average earning assets | $22,279,000 | 7,497 |
| Average equity | $1,606,330 | 7,731 |
| Average total loans | $12,496,670 | 7,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 7,309 |
| Cost of funding earning assets | 0.9320% | 6,650 |
| Net interest margin | 3.2261% | 6,209 |
| Noninterest income to average assets | 0.2550% | 6,108 |
| Noninterest expense to average assets | 1.7343% | 7,544 |
| Loan and lease loss provision to assets | 0.1020% | 5,610 |
| Net operating income to assets | 1.4793% | 925 |
| Return on assets (ROA) | 1.4793% | 994 |
| Pretax return on assets | 1.4793% | 1,571 |
| Return on Equity (ROE) | 21.5280% | 298 |
| Retained earnings to average equity (ytd only) | 21.5280% | 162 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3077% | 7,120 |
| Assets per employee ($millions) | 6.0673% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 3,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 51.0281% | 6,373 |
| Net loans and leases to deposits | 73.1223% | 4,880 |
| Net loans and leases to core deposits | 74.2224% | 5,484 |
| Total domestic deposits to total assets | 69.7845% | 7,424 |
| Equity capital to assets | 6.8400% | 7,432 |
| Core capital (leverage) ratio | 6.8406% | 7,333 |
| Tier 1 risk-based capital ratio | 13.5621% | 3,950 |
| Total risk-based capital ratio | 14.8203% | 3,908 |
| Memoranda: | ||
| Average total assets | $23,525,000 | 7,637 |
| Average earning assets | $22,318,000 | 7,590 |
| Average equity | $1,616,500 | 7,818 |
| Average total loans | $12,542,000 | 7,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 6,696 |
| Cost of funding earning assets | 1.4088% | 5,894 |
| Net interest margin | 3.4980% | 4,963 |
| Noninterest income to average assets | 0.3439% | 5,634 |
| Noninterest expense to average assets | 1.9935% | 7,378 |
| Loan and lease loss provision to assets | 0.1255% | 6,384 |
| Net operating income to assets | 1.6171% | 525 |
| Return on assets (ROA) | 1.6171% | 557 |
| Pretax return on assets | 1.6171% | 928 |
| Return on Equity (ROE) | 22.0421% | 163 |
| Retained earnings to average equity (ytd only) | 1.2034% | 4,198 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3582% | 7,289 |
| Assets per employee ($millions) | 5.6953% | 1,475 |
| Cash dividends to net income (ytd only)* | 94.5402% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 2,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.8782% | 6,215 |
| Net loans and leases to deposits | 71.7694% | 5,360 |
| Net loans and leases to core deposits | 105.3472% | 3,413 |
| Total domestic deposits to total assets | 75.0713% | 6,849 |
| Equity capital to assets | 6.9049% | 7,412 |
| Core capital (leverage) ratio | 6.7735% | 7,381 |
| Tier 1 risk-based capital ratio | 12.9914% | 4,150 |
| Total risk-based capital ratio | 14.2468% | 4,092 |
| Memoranda: | ||
| Average total assets | $21,520,200 | 7,730 |
| Average earning assets | $20,869,200 | 7,682 |
| Average equity | $1,578,800 | 7,913 |
| Average total loans | $11,588,800 | 7,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 6,326 |
| Cost of funding earning assets | 1.5329% | 5,699 |
| Net interest margin | 3.5509% | 4,669 |
| Noninterest income to average assets | 0.3584% | 5,627 |
| Noninterest expense to average assets | 1.9240% | 7,507 |
| Loan and lease loss provision to assets | 0.1698% | 5,663 |
| Net operating income to assets | 1.7165% | 541 |
| Return on assets (ROA) | 1.7165% | 573 |
| Pretax return on assets | 1.7165% | 939 |
| Return on Equity (ROE) | 23.0337% | 173 |
| Retained earnings to average equity (ytd only) | 0.5904% | 4,954 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4950% | 7,520 |
| Assets per employee ($millions) | 5.8288% | 1,331 |
| Cash dividends to net income (ytd only)* | 97.4367% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 45.0268% | 7,172 |
| Net loans and leases to deposits | 62.8849% | 6,597 |
| Net loans and leases to core deposits | 90.0729% | 5,423 |
| Total domestic deposits to total assets | 71.6020% | 7,261 |
| Equity capital to assets | 6.6953% | 7,712 |
| Core capital (leverage) ratio | 6.6758% | 7,599 |
| Tier 1 risk-based capital ratio | 14.2505% | 3,410 |
| Total risk-based capital ratio | 15.5103% | 3,351 |
| Memoranda: | ||
| Average total assets | $21,205,000 | 7,817 |
| Average earning assets | $20,614,000 | 7,766 |
| Average equity | $1,580,250 | 7,996 |
| Average total loans | $11,365,000 | 7,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 6,019 |
| Cost of funding earning assets | 1.6553% | 5,490 |
| Net interest margin | 3.5614% | 4,532 |
| Noninterest income to average assets | 0.4195% | 5,124 |
| Noninterest expense to average assets | 1.9803% | 7,491 |
| Loan and lease loss provision to assets | 0.2244% | 4,787 |
| Net operating income to assets | 1.6779% | 588 |
| Return on assets (ROA) | 1.6779% | 643 |
| Pretax return on assets | 1.6779% | 1,054 |
| Return on Equity (ROE) | 21.6806% | 255 |
| Retained earnings to average equity (ytd only) | 1.0084% | 4,768 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0050% | 7,593 |
| Assets per employee ($millions) | 5.9165% | 1,258 |
| Cash dividends to net income (ytd only)* | 95.3488% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 1,988 |
| 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 | 46.9239% | 7,133 |
| Net loans and leases to deposits | 66.0304% | 6,389 |
| Net loans and leases to core deposits | 95.3219% | 4,974 |
| Total domestic deposits to total assets | 71.0640% | 7,357 |
| Equity capital to assets | 6.6002% | 7,787 |
| Core capital (leverage) ratio | 7.4705% | 7,058 |
| Tier 1 risk-based capital ratio | 13.6742% | 3,709 |
| Total risk-based capital ratio | 14.7947% | 3,721 |
| Memoranda: | ||
| Average total assets | $20,501,670 | 7,909 |
| Average earning assets | $19,936,000 | 7,862 |
| Average equity | $1,586,670 | 8,079 |
| Average total loans | $11,584,000 | 7,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7463% | 3,548 |
| Cost of funding earning assets | 1.8937% | 4,657 |
| Net interest margin | 3.8526% | 3,236 |
| Noninterest income to average assets | 0.6131% | 3,451 |
| Noninterest expense to average assets | 2.0085% | 7,333 |
| Loan and lease loss provision to assets | 0.4440% | 2,703 |
| Net operating income to assets | 1.9028% | 426 |
| Return on assets (ROA) | 1.9028% | 477 |
| Pretax return on assets | 1.9028% | 793 |
| Return on Equity (ROE) | 22.5141% | 286 |
| Retained earnings to average equity (ytd only) | 22.5141% | 124 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1165% | 7,840 |
| Assets per employee ($millions) | 4.7108% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 1,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.6023% | 6,006 |
| Net loans and leases to deposits | 64.8581% | 6,477 |
| Net loans and leases to core deposits | 92.7217% | 5,287 |
| Total domestic deposits to total assets | 88.8128% | 1,330 |
| Equity capital to assets | 8.7247% | 5,731 |
| Core capital (leverage) ratio | 8.3822% | 5,748 |
| Tier 1 risk-based capital ratio | 16.3778% | 2,564 |
| Total risk-based capital ratio | 17.5234% | 2,533 |
| Memoranda: | ||
| Average total assets | $18,919,500 | 8,010 |
| Average earning assets | $18,377,000 | 7,949 |
| Average equity | $1,599,000 | 8,133 |
| Average total loans | $11,720,500 | 7,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6682% | 2,167 |
| Cost of funding earning assets | 2.4518% | 4,464 |
| Net interest margin | 4.2164% | 2,248 |
| Noninterest income to average assets | 0.4364% | 5,155 |
| Noninterest expense to average assets | 2.2838% | 6,747 |
| Loan and lease loss provision to assets | 0.0897% | 6,261 |
| Net operating income to assets | 2.1343% | 269 |
| Return on assets (ROA) | 2.1343% | 263 |
| Pretax return on assets | 2.1343% | 454 |
| Return on Equity (ROE) | 23.0471% | 210 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0076% | 6,839 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 131 |
| Efficiency ratio | 50.6631% | 7,618 |
| Assets per employee ($millions) | 4.7490% | 2,245 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 2,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.2240% | 5,228 |
| Net loans and leases to deposits | 75.9604% | 5,595 |
| Net loans and leases to core deposits | 101.6328% | 4,657 |
| Total domestic deposits to total assets | 84.5494% | 3,050 |
| Equity capital to assets | 8.1807% | 6,578 |
| Core capital (leverage) ratio | 8.1128% | 6,306 |
| Tier 1 risk-based capital ratio | 14.3371% | 3,371 |
| Total risk-based capital ratio | 15.5918% | 3,293 |
| Memoranda: | ||
| Average total assets | $16,726,600 | 8,110 |
| Average earning assets | $16,151,200 | 8,064 |
| Average equity | $1,549,000 | 8,207 |
| Average total loans | $13,084,400 | 7,764 |