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 | 3.2774% | 6,191 |
| Cost of funding earning assets | 0.3473% | 5,561 |
| Net interest margin | 2.9302% | 5,755 |
| Noninterest income to average assets | 0.5954% | 3,170 |
| Noninterest expense to average assets | 3.7982% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4312% | 6,644 |
| Return on assets (ROA) | -0.4312% | 6,677 |
| Pretax return on assets | -0.4312% | 6,652 |
| Return on Equity (ROE) | -2.8831% | 6,607 |
| Retained earnings to average equity (ytd only) | -2.8831% | 6,179 |
| Net charge-offs to loans | 0.1164% | 2,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 4,098 |
| Efficiency ratio | 112.8049% | 289 |
| Assets per employee ($millions) | 2.7805% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,281 |
| Loan loss allowance to noncurrent loans | 281.9277% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 5,410 |
| Noncurrent loans to loans | 0.4937% | 5,194 |
| Net loans and leases to total assets | 42.5874% | 5,800 |
| Net loans and leases to deposits | 50.2470% | 5,770 |
| Net loans and leases to core deposits | 50.6384% | 5,923 |
| Total domestic deposits to total assets | 84.7561% | 4,154 |
| Equity capital to assets | 14.9254% | 772 |
| Core capital (leverage) ratio | 14.6163% | 647 |
| Tier 1 risk-based capital ratio | 29.2507% | 566 |
| Total risk-based capital ratio | 30.4574% | 564 |
| Memoranda: | ||
| Average total assets | $38,965,500 | 6,494 |
| Average earning assets | $36,858,000 | 6,438 |
| Average equity | $5,827,000 | 6,026 |
| Average total loans | $17,182,500 | 6,478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 6,247 |
| Cost of funding earning assets | 0.5560% | 4,762 |
| Net interest margin | 3.0273% | 5,985 |
| Noninterest income to average assets | 0.8972% | 1,866 |
| Noninterest expense to average assets | 4.0520% | 917 |
| Loan and lease loss provision to assets | 0.0727% | 4,819 |
| Net operating income to assets | -0.3759% | 6,501 |
| Return on assets (ROA) | 0.5747% | 4,617 |
| Pretax return on assets | 0.5747% | 5,067 |
| Return on Equity (ROE) | 4.2102% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.2102% | 3,264 |
| Net charge-offs to loans | 0.1933% | 3,827 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | -3.7879% | 5,892 |
| Efficiency ratio | 108.0854% | 364 |
| Assets per employee ($millions) | 3.2503% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,346 |
| Loan loss allowance to noncurrent loans | 223.3645% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 5,345 |
| Noncurrent loans to loans | 0.6096% | 4,990 |
| Net loans and leases to total assets | 44.3903% | 5,783 |
| Net loans and leases to deposits | 52.3841% | 5,777 |
| Net loans and leases to core deposits | 52.7882% | 5,959 |
| Total domestic deposits to total assets | 84.7400% | 3,973 |
| Equity capital to assets | 14.9831% | 737 |
| Core capital (leverage) ratio | 14.1988% | 743 |
| Tier 1 risk-based capital ratio | 28.8011% | 573 |
| Total risk-based capital ratio | 30.0055% | 563 |
| Memoranda: | ||
| Average total assets | $41,239,000 | 6,461 |
| Average earning assets | $38,846,200 | 6,404 |
| Average equity | $5,629,200 | 6,117 |
| Average total loans | $17,068,200 | 6,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 6,372 |
| Cost of funding earning assets | 0.5891% | 4,752 |
| Net interest margin | 3.0270% | 6,113 |
| Noninterest income to average assets | 0.9474% | 1,677 |
| Noninterest expense to average assets | 3.9204% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1212% | 6,421 |
| Return on assets (ROA) | -0.0223% | 6,429 |
| Pretax return on assets | -0.0223% | 6,419 |
| Return on Equity (ROE) | -0.1673% | 6,426 |
| Retained earnings to average equity (ytd only) | -0.1673% | 6,112 |
| Net charge-offs to loans | 0.1180% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -2.5335% | 5,669 |
| Efficiency ratio | 103.1906% | 441 |
| Assets per employee ($millions) | 2.7569% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,337 |
| Loan loss allowance to noncurrent loans | 108.0952% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 4,747 |
| Noncurrent loans to loans | 1.3035% | 3,860 |
| Net loans and leases to total assets | 38.4108% | 6,395 |
| Net loans and leases to deposits | 44.6230% | 6,470 |
| Net loans and leases to core deposits | 47.9416% | 6,418 |
| Total domestic deposits to total assets | 86.0784% | 3,206 |
| Equity capital to assets | 13.6000% | 1,306 |
| Core capital (leverage) ratio | 13.6111% | 977 |
| Tier 1 risk-based capital ratio | 28.1199% | 651 |
| Total risk-based capital ratio | 29.2866% | 640 |
| Memoranda: | ||
| Average total assets | $41,797,750 | 6,512 |
| Average earning assets | $39,378,250 | 6,454 |
| Average equity | $5,575,500 | 6,200 |
| Average total loans | $16,947,000 | 6,642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 6,376 |
| Cost of funding earning assets | 0.6151% | 4,762 |
| Net interest margin | 3.0602% | 6,102 |
| Noninterest income to average assets | 0.5149% | 3,822 |
| Noninterest expense to average assets | 3.9622% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5769% | 6,768 |
| Return on assets (ROA) | -0.4291% | 6,747 |
| Pretax return on assets | -0.4291% | 6,716 |
| Return on Equity (ROE) | -3.2378% | 6,689 |
| Retained earnings to average equity (ytd only) | -3.2378% | 6,491 |
| Net charge-offs to loans | 0.1974% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -7.1176% | 5,455 |
| Efficiency ratio | 117.0423% | 249 |
| Assets per employee ($millions) | 2.1632% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,799 |
| Loan loss allowance to noncurrent loans | 88.2353% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 4,054 |
| Noncurrent loans to loans | 1.4967% | 3,658 |
| Net loans and leases to total assets | 40.9041% | 6,280 |
| Net loans and leases to deposits | 47.3991% | 6,346 |
| Net loans and leases to core deposits | 50.3248% | 6,325 |
| Total domestic deposits to total assets | 86.2972% | 3,199 |
| Equity capital to assets | 13.4182% | 1,334 |
| Core capital (leverage) ratio | 13.5200% | 974 |
| Tier 1 risk-based capital ratio | 28.0610% | 640 |
| Total risk-based capital ratio | 29.2329% | 626 |
| Memoranda: | ||
| Average total assets | $41,946,000 | 6,550 |
| Average earning assets | $39,343,670 | 6,500 |
| Average equity | $5,559,330 | 6,230 |
| Average total loans | $17,225,670 | 6,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 6,458 |
| Cost of funding earning assets | 0.6614% | 4,627 |
| Net interest margin | 3.0264% | 6,234 |
| Noninterest income to average assets | 0.4437% | 4,335 |
| Noninterest expense to average assets | 3.8330% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5381% | 6,847 |
| Return on assets (ROA) | -0.5381% | 6,875 |
| Pretax return on assets | -0.5381% | 6,846 |
| Return on Equity (ROE) | -4.0849% | 6,817 |
| Retained earnings to average equity (ytd only) | -4.0849% | 6,505 |
| Net charge-offs to loans | 0.2079% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -6.3333% | 4,677 |
| Efficiency ratio | 116.3324% | 258 |
| Assets per employee ($millions) | 2.1831% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,815 |
| Loan loss allowance to noncurrent loans | 98.3122% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 4,839 |
| Noncurrent loans to loans | 1.3699% | 4,060 |
| Net loans and leases to total assets | 41.1485% | 6,254 |
| Net loans and leases to deposits | 47.6667% | 6,307 |
| Net loans and leases to core deposits | 51.3401% | 6,255 |
| Total domestic deposits to total assets | 86.3256% | 3,346 |
| Equity capital to assets | 13.3754% | 1,288 |
| Core capital (leverage) ratio | 13.0592% | 1,109 |
| Tier 1 risk-based capital ratio | 27.4203% | 695 |
| Total risk-based capital ratio | 28.5989% | 681 |
| Memoranda: | ||
| Average total assets | $42,368,500 | 6,586 |
| Average earning assets | $39,916,000 | 6,528 |
| Average equity | $5,581,500 | 6,251 |
| Average total loans | $17,320,000 | 6,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 5,965 |
| Cost of funding earning assets | 0.8248% | 4,676 |
| Net interest margin | 3.4085% | 5,457 |
| Noninterest income to average assets | 0.7384% | 2,399 |
| Noninterest expense to average assets | 4.2837% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3804% | 6,400 |
| Return on assets (ROA) | -0.0671% | 6,210 |
| Pretax return on assets | -0.0572% | 6,177 |
| Return on Equity (ROE) | -0.4772% | 6,204 |
| Retained earnings to average equity (ytd only) | -0.4772% | 5,932 |
| Net charge-offs to loans | 0.3516% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.2576% | 6,291 |
| Efficiency ratio | 109.4663% | 446 |
| Assets per employee ($millions) | 2.2767% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 4,481 |
| Loan loss allowance to noncurrent loans | 68.3616% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,403 |
| Noncurrent loans to loans | 2.0416% | 3,152 |
| Net loans and leases to total assets | 39.5233% | 6,572 |
| Net loans and leases to deposits | 45.5750% | 6,644 |
| Net loans and leases to core deposits | 52.1457% | 6,421 |
| Total domestic deposits to total assets | 86.7215% | 2,908 |
| Equity capital to assets | 12.9803% | 1,492 |
| Core capital (leverage) ratio | 13.3541% | 1,022 |
| Tier 1 risk-based capital ratio | 25.5826% | 812 |
| Total risk-based capital ratio | 26.7127% | 802 |
| Memoranda: | ||
| Average total assets | $40,222,600 | 6,667 |
| Average earning assets | $37,464,800 | 6,623 |
| Average equity | $5,658,000 | 6,247 |
| Average total loans | $18,770,200 | 6,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 5,744 |
| Cost of funding earning assets | 0.8542% | 4,741 |
| Net interest margin | 3.5041% | 5,170 |
| Noninterest income to average assets | 0.7804% | 2,136 |
| Noninterest expense to average assets | 4.3076% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2703% | 6,457 |
| Return on assets (ROA) | 0.0169% | 6,229 |
| Pretax return on assets | 0.0169% | 6,212 |
| Return on Equity (ROE) | 0.1177% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.1177% | 5,922 |
| Net charge-offs to loans | 0.3485% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.5998% | 5,994 |
| Efficiency ratio | 106.6946% | 489 |
| Assets per employee ($millions) | 2.1247% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,229 |
| Loan loss allowance to noncurrent loans | 67.0130% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 4,278 |
| Noncurrent loans to loans | 2.2000% | 3,110 |
| Net loans and leases to total assets | 42.7110% | 6,444 |
| Net loans and leases to deposits | 49.9826% | 6,502 |
| Net loans and leases to core deposits | 58.2480% | 6,108 |
| Total domestic deposits to total assets | 85.4517% | 3,524 |
| Equity capital to assets | 14.1148% | 1,115 |
| Core capital (leverage) ratio | 13.7740% | 965 |
| Tier 1 risk-based capital ratio | 26.6004% | 775 |
| Total risk-based capital ratio | 27.8459% | 752 |
| Memoranda: | ||
| Average total assets | $39,463,750 | 6,753 |
| Average earning assets | $36,679,750 | 6,712 |
| Average equity | $5,668,750 | 6,285 |
| Average total loans | $19,128,000 | 6,771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 5,638 |
| Cost of funding earning assets | 0.8718% | 4,890 |
| Net interest margin | 3.5419% | 4,959 |
| Noninterest income to average assets | 0.7967% | 2,034 |
| Noninterest expense to average assets | 4.3154% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2196% | 6,489 |
| Return on assets (ROA) | 0.2145% | 5,804 |
| Pretax return on assets | 0.2145% | 5,904 |
| Return on Equity (ROE) | 1.4844% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.4844% | 5,238 |
| Net charge-offs to loans | 0.5490% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.7963% | 5,602 |
| Efficiency ratio | 105.3616% | 576 |
| Assets per employee ($millions) | 2.2208% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,992 |
| Loan loss allowance to noncurrent loans | 43.6426% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 3,518 |
| Noncurrent loans to loans | 3.0126% | 2,410 |
| Net loans and leases to total assets | 47.6923% | 6,085 |
| Net loans and leases to deposits | 55.8976% | 6,145 |
| Net loans and leases to core deposits | 64.6008% | 5,660 |
| Total domestic deposits to total assets | 85.3208% | 3,720 |
| Equity capital to assets | 14.2764% | 1,002 |
| Core capital (leverage) ratio | 14.0239% | 862 |
| Tier 1 risk-based capital ratio | 24.8388% | 918 |
| Total risk-based capital ratio | 25.9762% | 909 |
| Memoranda: | ||
| Average total assets | $39,162,000 | 6,818 |
| Average earning assets | $36,478,000 | 6,781 |
| Average equity | $5,659,000 | 6,331 |
| Average total loans | $19,670,670 | 6,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 5,251 |
| Cost of funding earning assets | 0.8896% | 4,999 |
| Net interest margin | 3.6362% | 4,393 |
| Noninterest income to average assets | 0.8050% | 2,011 |
| Noninterest expense to average assets | 4.3762% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1961% | 6,557 |
| Return on assets (ROA) | 0.2271% | 5,763 |
| Pretax return on assets | 0.2271% | 5,883 |
| Return on Equity (ROE) | 1.5617% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.5617% | 5,175 |
| Net charge-offs to loans | 1.0884% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3519% | 4,748 |
| Efficiency ratio | 104.6914% | 605 |
| Assets per employee ($millions) | 2.0702% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 5,370 |
| Loan loss allowance to noncurrent loans | 39.3189% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 3,338 |
| Noncurrent loans to loans | 3.1870% | 2,353 |
| Net loans and leases to total assets | 50.8886% | 5,725 |
| Net loans and leases to deposits | 59.6442% | 5,757 |
| Net loans and leases to core deposits | 70.0521% | 5,034 |
| Total domestic deposits to total assets | 85.3202% | 3,879 |
| Equity capital to assets | 14.3315% | 923 |
| Core capital (leverage) ratio | 14.1685% | 813 |
| Tier 1 risk-based capital ratio | 24.5274% | 926 |
| Total risk-based capital ratio | 25.6546% | 915 |
| Memoranda: | ||
| Average total assets | $38,755,500 | 6,877 |
| Average earning assets | $35,972,000 | 6,846 |
| Average equity | $5,635,000 | 6,355 |
| Average total loans | $19,846,500 | 6,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 6,321 |
| Cost of funding earning assets | 1.0159% | 5,610 |
| Net interest margin | 3.5114% | 5,202 |
| Noninterest income to average assets | 0.8063% | 2,250 |
| Noninterest expense to average assets | 4.4399% | 689 |
| Loan and lease loss provision to assets | 0.5007% | 3,150 |
| Net operating income to assets | -0.8679% | 6,612 |
| Return on assets (ROA) | -0.5598% | 6,454 |
| Pretax return on assets | -0.5598% | 6,364 |
| Return on Equity (ROE) | -3.7354% | 6,341 |
| Retained earnings to average equity (ytd only) | -3.7354% | 6,184 |
| Net charge-offs to loans | 0.8540% | 2,499 |
| Credit loss provision to net charge-offs | 119.6319% | 3,534 |
| Earnings coverage of net charge-offs (x) | -0.8773% | 6,574 |
| Efficiency ratio | 109.0164% | 558 |
| Assets per employee ($millions) | 2.0094% | 7,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,635 |
| Loan loss allowance to noncurrent loans | 39.1858% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.0588% | 3,274 |
| Noncurrent loans to loans | 4.0467% | 1,788 |
| Net loans and leases to total assets | 50.0681% | 6,163 |
| Net loans and leases to deposits | 59.1814% | 6,136 |
| Net loans and leases to core deposits | 67.8438% | 5,678 |
| Total domestic deposits to total assets | 84.6011% | 4,056 |
| Equity capital to assets | 14.7546% | 847 |
| Core capital (leverage) ratio | 14.1553% | 813 |
| Tier 1 risk-based capital ratio | 25.1003% | 835 |
| Total risk-based capital ratio | 26.3542% | 817 |
| Memoranda: | ||
| Average total assets | $38,942,400 | 6,904 |
| Average earning assets | $36,225,200 | 6,871 |
| Average equity | $5,836,000 | 6,415 |
| Average total loans | $19,087,400 | 6,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 6,459 |
| Cost of funding earning assets | 1.0345% | 5,778 |
| Net interest margin | 3.5203% | 5,213 |
| Noninterest income to average assets | 0.8279% | 2,090 |
| Noninterest expense to average assets | 4.2247% | 799 |
| Loan and lease loss provision to assets | 0.3237% | 3,997 |
| Net operating income to assets | -0.4395% | 6,550 |
| Return on assets (ROA) | 0.0170% | 6,084 |
| Pretax return on assets | 0.0170% | 6,065 |
| Return on Equity (ROE) | 0.1133% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.1133% | 5,731 |
| Net charge-offs to loans | 1.0594% | 1,916 |
| Credit loss provision to net charge-offs | 62.9139% | 5,618 |
| Earnings coverage of net charge-offs (x) | -0.2252% | 6,191 |
| Efficiency ratio | 102.8192% | 660 |
| Assets per employee ($millions) | 2.1483% | 7,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,730 |
| Loan loss allowance to noncurrent loans | 29.4118% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 1.9344% | 3,564 |
| Noncurrent loans to loans | 3.8950% | 1,946 |
| Net loans and leases to total assets | 49.0936% | 6,422 |
| Net loans and leases to deposits | 58.4015% | 6,435 |
| Net loans and leases to core deposits | 70.9550% | 5,650 |
| Total domestic deposits to total assets | 84.0622% | 4,096 |
| Equity capital to assets | 15.4077% | 792 |
| Core capital (leverage) ratio | 14.8359% | 748 |
| Tier 1 risk-based capital ratio | 26.9947% | 695 |
| Total risk-based capital ratio | 28.0315% | 690 |
| Memoranda: | ||
| Average total assets | $39,133,500 | 6,978 |
| Average earning assets | $36,473,250 | 6,942 |
| Average equity | $5,886,750 | 6,486 |
| Average total loans | $19,003,500 | 7,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 6,305 |
| Cost of funding earning assets | 1.0565% | 5,892 |
| Net interest margin | 3.5966% | 4,827 |
| Noninterest income to average assets | 0.7992% | 2,118 |
| Noninterest expense to average assets | 4.2659% | 747 |
| Loan and lease loss provision to assets | 0.4836% | 2,888 |
| Net operating income to assets | -0.6058% | 6,746 |
| Return on assets (ROA) | 0.0764% | 6,034 |
| Pretax return on assets | 0.0764% | 6,024 |
| Return on Equity (ROE) | 0.5117% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.5117% | 5,559 |
| Net charge-offs to loans | 1.0245% | 1,823 |
| Credit loss provision to net charge-offs | 97.9381% | 4,183 |
| Earnings coverage of net charge-offs (x) | -0.2474% | 5,902 |
| Efficiency ratio | 102.9484% | 714 |
| Assets per employee ($millions) | 2.0277% | 7,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,404 |
| Loan loss allowance to noncurrent loans | 35.9109% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 3,520 |
| Noncurrent loans to loans | 3.9062% | 1,953 |
| Net loans and leases to total assets | 49.9896% | 6,434 |
| Net loans and leases to deposits | 59.3096% | 6,475 |
| Net loans and leases to core deposits | 71.9183% | 5,680 |
| Total domestic deposits to total assets | 84.2859% | 3,968 |
| Equity capital to assets | 15.3559% | 804 |
| Core capital (leverage) ratio | 14.9747% | 724 |
| Tier 1 risk-based capital ratio | 26.8986% | 705 |
| Total risk-based capital ratio | 28.1502% | 691 |
| Memoranda: | ||
| Average total assets | $39,288,330 | 7,020 |
| Average earning assets | $36,534,670 | 6,983 |
| Average equity | $5,863,000 | 6,510 |
| Average total loans | $18,936,670 | 7,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 6,114 |
| Cost of funding earning assets | 1.0905% | 5,958 |
| Net interest margin | 3.6493% | 4,494 |
| Noninterest income to average assets | 0.8067% | 1,985 |
| Noninterest expense to average assets | 3.8821% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3327% | 5,155 |
| Return on assets (ROA) | 0.3327% | 5,280 |
| Pretax return on assets | 0.3327% | 5,516 |
| Return on Equity (ROE) | 2.2616% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.2616% | 4,775 |
| Net charge-offs to loans | 1.3520% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.5238% | 4,567 |
| Efficiency ratio | 92.1053% | 1,270 |
| Assets per employee ($millions) | 1.9901% | 7,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,874 |
| Loan loss allowance to noncurrent loans | 25.2682% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1079% | 3,374 |
| Noncurrent loans to loans | 4.4644% | 1,677 |
| Net loans and leases to total assets | 46.6836% | 6,777 |
| Net loans and leases to deposits | 54.9604% | 6,848 |
| Net loans and leases to core deposits | 68.9539% | 6,009 |
| Total domestic deposits to total assets | 84.9405% | 3,703 |
| Equity capital to assets | 14.7279% | 948 |
| Core capital (leverage) ratio | 14.5847% | 834 |
| Tier 1 risk-based capital ratio | 25.2944% | 833 |
| Total risk-based capital ratio | 26.2261% | 847 |
| Memoranda: | ||
| Average total assets | $39,669,500 | 7,099 |
| Average earning assets | $37,048,000 | 7,052 |
| Average equity | $5,836,500 | 6,574 |
| Average total loans | $18,638,500 | 7,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 5,674 |
| Cost of funding earning assets | 1.4195% | 5,848 |
| Net interest margin | 3.7746% | 3,821 |
| Noninterest income to average assets | 0.7632% | 2,600 |
| Noninterest expense to average assets | 4.4078% | 866 |
| Loan and lease loss provision to assets | 0.1259% | 6,380 |
| Net operating income to assets | -0.2141% | 5,853 |
| Return on assets (ROA) | 0.0050% | 5,522 |
| Pretax return on assets | 0.0050% | 5,436 |
| Return on Equity (ROE) | 0.0347% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.0347% | 4,891 |
| Net charge-offs to loans | 0.5016% | 3,769 |
| Credit loss provision to net charge-offs | 53.7634% | 6,705 |
| Earnings coverage of net charge-offs (x) | -0.3763% | 6,605 |
| Efficiency ratio | 102.0408% | 1,010 |
| Assets per employee ($millions) | 2.0809% | 7,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,767 |
| Loan loss allowance to noncurrent loans | 68.8279% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 5,086 |
| Noncurrent loans to loans | 2.1694% | 3,428 |
| Net loans and leases to total assets | 46.0531% | 6,966 |
| Net loans and leases to deposits | 54.2163% | 7,039 |
| Net loans and leases to core deposits | 77.0481% | 6,333 |
| Total domestic deposits to total assets | 84.9432% | 3,573 |
| Equity capital to assets | 14.6976% | 975 |
| Core capital (leverage) ratio | 14.4309% | 896 |
| Tier 1 risk-based capital ratio | 25.8188% | 773 |
| Total risk-based capital ratio | 27.0640% | 766 |
| Memoranda: | ||
| Average total assets | $39,702,400 | 7,107 |
| Average earning assets | $37,407,600 | 7,037 |
| Average equity | $5,755,400 | 6,689 |
| Average total loans | $18,541,000 | 7,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 5,651 |
| Cost of funding earning assets | 1.4526% | 6,026 |
| Net interest margin | 3.8037% | 3,641 |
| Noninterest income to average assets | 0.7347% | 2,799 |
| Noninterest expense to average assets | 4.2001% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1275% | 5,382 |
| Return on assets (ROA) | 0.2818% | 4,963 |
| Pretax return on assets | 0.2818% | 5,111 |
| Return on Equity (ROE) | 1.9507% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.9507% | 4,238 |
| Net charge-offs to loans | 0.6108% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.4471% | 5,577 |
| Efficiency ratio | 97.0543% | 1,209 |
| Assets per employee ($millions) | 2.0112% | 7,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 4,165 |
| Loan loss allowance to noncurrent loans | 60.7792% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 5,151 |
| Noncurrent loans to loans | 2.2359% | 3,338 |
| Net loans and leases to total assets | 42.2271% | 7,348 |
| Net loans and leases to deposits | 49.7685% | 7,422 |
| Net loans and leases to core deposits | 71.1026% | 6,905 |
| Total domestic deposits to total assets | 84.8470% | 3,310 |
| Equity capital to assets | 14.7204% | 1,088 |
| Core capital (leverage) ratio | 14.5383% | 949 |
| Tier 1 risk-based capital ratio | 26.4549% | 790 |
| Total risk-based capital ratio | 27.5213% | 784 |
| Memoranda: | ||
| Average total assets | $39,743,750 | 7,162 |
| Average earning assets | $37,541,750 | 7,090 |
| Average equity | $5,741,500 | 6,760 |
| Average total loans | $18,555,250 | 7,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 4,660 |
| Cost of funding earning assets | 1.4783% | 6,229 |
| Net interest margin | 4.0170% | 2,629 |
| Noninterest income to average assets | 0.7175% | 2,885 |
| Noninterest expense to average assets | 4.1886% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3183% | 4,818 |
| Return on assets (ROA) | 0.5103% | 4,170 |
| Pretax return on assets | 0.5103% | 4,587 |
| Return on Equity (ROE) | 3.5553% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.5553% | 3,322 |
| Net charge-offs to loans | 0.8737% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 4,974 |
| Efficiency ratio | 92.9372% | 1,570 |
| Assets per employee ($millions) | 1.9471% | 7,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,457 |
| Loan loss allowance to noncurrent loans | 48.4600% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 4,437 |
| Noncurrent loans to loans | 2.6227% | 2,756 |
| Net loans and leases to total assets | 47.0789% | 7,117 |
| Net loans and leases to deposits | 55.4839% | 7,193 |
| Net loans and leases to core deposits | 76.6174% | 6,636 |
| Total domestic deposits to total assets | 84.8514% | 3,336 |
| Equity capital to assets | 14.9226% | 1,047 |
| Core capital (leverage) ratio | 15.4395% | 834 |
| Tier 1 risk-based capital ratio | 27.3047% | 761 |
| Total risk-based capital ratio | 28.4113% | 755 |
| Memoranda: | ||
| Average total assets | $39,584,000 | 7,228 |
| Average earning assets | $37,341,000 | 7,162 |
| Average equity | $5,681,670 | 6,839 |
| Average total loans | $19,000,670 | 7,393 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6464% | 4,076 |
| Cost of funding earning assets | 1.5312% | 6,303 |
| Net interest margin | 4.1152% | 2,226 |
| Noninterest income to average assets | 0.6616% | 3,123 |
| Noninterest expense to average assets | 4.3202% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2205% | 5,601 |
| Return on assets (ROA) | 0.6014% | 4,197 |
| Pretax return on assets | 0.6014% | 4,745 |
| Return on Equity (ROE) | 4.2727% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.2727% | 3,528 |
| Net charge-offs to loans | 0.3539% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.2941% | 4,091 |
| Efficiency ratio | 95.1435% | 1,371 |
| Assets per employee ($millions) | 1.9998% | 7,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 2,577 |
| Loan loss allowance to noncurrent loans | 100.3322% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 5,277 |
| Noncurrent loans to loans | 1.5810% | 3,906 |
| Net loans and leases to total assets | 46.8484% | 7,119 |
| Net loans and leases to deposits | 54.7946% | 7,234 |
| Net loans and leases to core deposits | 75.5616% | 6,710 |
| Total domestic deposits to total assets | 85.4982% | 2,969 |
| Equity capital to assets | 14.2518% | 1,295 |
| Core capital (leverage) ratio | 14.2751% | 1,135 |
| Tier 1 risk-based capital ratio | 26.4006% | 855 |
| Total risk-based capital ratio | 27.6517% | 842 |
| Memoranda: | ||
| Average total assets | $39,905,500 | 7,251 |
| Average earning assets | $37,617,000 | 7,192 |
| Average equity | $5,617,000 | 6,910 |
| Average total loans | $19,216,500 | 7,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 5,270 |
| Cost of funding earning assets | 2.1364% | 5,898 |
| Net interest margin | 3.9191% | 3,485 |
| Noninterest income to average assets | 0.8376% | 2,307 |
| Noninterest expense to average assets | 4.1857% | 1,159 |
| Loan and lease loss provision to assets | 0.2291% | 4,599 |
| Net operating income to assets | 0.0611% | 6,204 |
| Return on assets (ROA) | 0.0611% | 6,058 |
| Pretax return on assets | 0.0611% | 6,025 |
| Return on Equity (ROE) | 0.4279% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.4279% | 4,993 |
| Net charge-offs to loans | 0.2684% | 3,613 |
| Credit loss provision to net charge-offs | 180.0000% | 2,801 |
| Earnings coverage of net charge-offs (x) | 2.2800% | 4,942 |
| Efficiency ratio | 93.5154% | 1,301 |
| Assets per employee ($millions) | 1.9908% | 7,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,081 |
| Loan loss allowance to noncurrent loans | 185.4651% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 5,918 |
| Noncurrent loans to loans | 0.8869% | 4,845 |
| Net loans and leases to total assets | 47.9079% | 7,194 |
| Net loans and leases to deposits | 55.7912% | 7,336 |
| Net loans and leases to core deposits | 77.3959% | 6,777 |
| Total domestic deposits to total assets | 85.8700% | 2,466 |
| Equity capital to assets | 13.8989% | 1,461 |
| Core capital (leverage) ratio | 14.5044% | 1,142 |
| Tier 1 risk-based capital ratio | 26.0695% | 896 |
| Total risk-based capital ratio | 27.3224% | 875 |
| Memoranda: | ||
| Average total assets | $39,276,600 | 7,247 |
| Average earning assets | $36,462,800 | 7,217 |
| Average equity | $5,609,400 | 6,945 |
| Average total loans | $18,629,000 | 7,420 |