Home > The Perkins State Bank > Performance and Condition Ratios
The Perkins State Bank, Performance and Condition Ratios
| 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 | 4.7718% | 2,312 |
| Cost of funding earning assets | 0.4153% | 5,815 |
| Net interest margin | 4.3565% | 1,264 |
| Noninterest income to average assets | 0.3221% | 5,157 |
| Noninterest expense to average assets | 4.9326% | 391 |
| Loan and lease loss provision to assets | 0.9365% | 464 |
| Net operating income to assets | -1.8077% | 6,910 |
| Return on assets (ROA) | -1.5365% | 6,879 |
| Pretax return on assets | -1.5365% | 6,858 |
| Return on Equity (ROE) | -19.2939% | 6,872 |
| Retained earnings to average equity (ytd only) | -19.2939% | 6,836 |
| Net charge-offs to loans | 1.9559% | 377 |
| Credit loss provision to net charge-offs | 86.1069% | 3,619 |
| Earnings coverage of net charge-offs (x) | -0.8010% | 5,731 |
| Efficiency ratio | 121.4500% | 199 |
| Assets per employee ($millions) | 2.6156% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5752% | 1,041 |
| Loan loss allowance to noncurrent loans | 68.4436% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 5.4090% | 696 |
| Noncurrent loans to loans | 3.7626% | 1,292 |
| Net loans and leases to total assets | 51.8323% | 4,952 |
| Net loans and leases to deposits | 56.1349% | 5,433 |
| Net loans and leases to core deposits | 59.8018% | 5,381 |
| Total domestic deposits to total assets | 92.3353% | 190 |
| Equity capital to assets | 7.4981% | 6,634 |
| Core capital (leverage) ratio | 7.5776% | 6,462 |
| Tier 1 risk-based capital ratio | 13.4532% | 4,786 |
| Total risk-based capital ratio | 14.7187% | 4,733 |
| Memoranda: | ||
| Average total assets | $180,675,800 | 3,304 |
| Average earning assets | $155,077,000 | 3,467 |
| Average equity | $14,388,000 | 4,091 |
| Average total loans | $100,465,200 | 3,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 2,159 |
| Cost of funding earning assets | 0.4365% | 5,891 |
| Net interest margin | 4.4226% | 1,157 |
| Noninterest income to average assets | 0.8782% | 1,916 |
| Noninterest expense to average assets | 4.7470% | 446 |
| Loan and lease loss provision to assets | 1.0928% | 354 |
| Net operating income to assets | -1.1397% | 6,898 |
| Return on assets (ROA) | -1.0042% | 6,889 |
| Pretax return on assets | -1.0042% | 6,865 |
| Return on Equity (ROE) | -12.4350% | 6,897 |
| Retained earnings to average equity (ytd only) | -12.4350% | 6,863 |
| Net charge-offs to loans | 2.2123% | 307 |
| Credit loss provision to net charge-offs | 87.9199% | 3,361 |
| Earnings coverage of net charge-offs (x) | -0.0377% | 5,345 |
| Efficiency ratio | 100.9974% | 509 |
| Assets per employee ($millions) | 2.5576% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5363% | 1,165 |
| Loan loss allowance to noncurrent loans | 53.9554% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 7.4072% | 457 |
| Noncurrent loans to loans | 4.7007% | 989 |
| Net loans and leases to total assets | 55.3673% | 4,542 |
| Net loans and leases to deposits | 60.7853% | 5,113 |
| Net loans and leases to core deposits | 65.5312% | 4,998 |
| Total domestic deposits to total assets | 91.0867% | 393 |
| Equity capital to assets | 8.7097% | 6,096 |
| Core capital (leverage) ratio | 8.3135% | 5,987 |
| Tier 1 risk-based capital ratio | 12.6208% | 5,543 |
| Total risk-based capital ratio | 13.8817% | 5,496 |
| Memoranda: | ||
| Average total assets | $182,033,750 | 3,309 |
| Average earning assets | $157,310,250 | 3,460 |
| Average equity | $14,700,000 | 4,062 |
| Average total loans | $102,273,000 | 3,501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 2,325 |
| Cost of funding earning assets | 0.4571% | 5,923 |
| Net interest margin | 4.3873% | 1,237 |
| Noninterest income to average assets | 0.6196% | 3,129 |
| Noninterest expense to average assets | 4.5897% | 512 |
| Loan and lease loss provision to assets | 1.2738% | 315 |
| Net operating income to assets | -1.4376% | 7,009 |
| Return on assets (ROA) | -1.2210% | 6,976 |
| Pretax return on assets | -1.2210% | 6,947 |
| Return on Equity (ROE) | -15.4940% | 6,982 |
| Retained earnings to average equity (ytd only) | -15.4940% | 6,946 |
| Net charge-offs to loans | 2.3866% | 306 |
| Credit loss provision to net charge-offs | 95.3226% | 2,892 |
| Earnings coverage of net charge-offs (x) | -0.1226% | 5,134 |
| Efficiency ratio | 103.7010% | 441 |
| Assets per employee ($millions) | 2.4066% | 6,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5898% | 1,164 |
| Loan loss allowance to noncurrent loans | 51.1637% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 7.2728% | 512 |
| Noncurrent loans to loans | 5.0618% | 964 |
| Net loans and leases to total assets | 55.2508% | 4,585 |
| Net loans and leases to deposits | 60.2748% | 5,223 |
| Net loans and leases to core deposits | 64.8304% | 5,121 |
| Total domestic deposits to total assets | 91.6648% | 288 |
| Equity capital to assets | 8.2521% | 6,411 |
| Core capital (leverage) ratio | 8.0749% | 6,187 |
| Tier 1 risk-based capital ratio | 12.3683% | 5,669 |
| Total risk-based capital ratio | 13.6302% | 5,647 |
| Memoranda: | ||
| Average total assets | $185,591,330 | 3,270 |
| Average earning assets | $161,010,000 | 3,406 |
| Average equity | $14,625,000 | 4,069 |
| Average total loans | $103,915,000 | 3,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,352 |
| Cost of funding earning assets | 0.4727% | 5,995 |
| Net interest margin | 4.3982% | 1,228 |
| Noninterest income to average assets | -0.0486% | 7,138 |
| Noninterest expense to average assets | 4.6899% | 462 |
| Loan and lease loss provision to assets | 1.7217% | 187 |
| Net operating income to assets | -2.6470% | 7,204 |
| Return on assets (ROA) | -2.5478% | 7,198 |
| Pretax return on assets | -2.5478% | 7,181 |
| Return on Equity (ROE) | -33.0649% | 7,178 |
| Retained earnings to average equity (ytd only) | -33.0649% | 7,152 |
| Net charge-offs to loans | 3.4812% | 189 |
| Credit loss provision to net charge-offs | 88.8768% | 2,569 |
| Earnings coverage of net charge-offs (x) | -0.4776% | 4,498 |
| Efficiency ratio | 124.5791% | 186 |
| Assets per employee ($millions) | 2.5437% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 1,329 |
| Loan loss allowance to noncurrent loans | 46.0849% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 7.1236% | 590 |
| Noncurrent loans to loans | 5.4603% | 977 |
| Net loans and leases to total assets | 52.9336% | 4,892 |
| Net loans and leases to deposits | 59.3100% | 5,245 |
| Net loans and leases to core deposits | 63.9211% | 5,123 |
| Total domestic deposits to total assets | 89.2490% | 1,519 |
| Equity capital to assets | 7.4615% | 6,796 |
| Core capital (leverage) ratio | 7.4978% | 6,636 |
| Tier 1 risk-based capital ratio | 11.6053% | 6,219 |
| Total risk-based capital ratio | 12.8659% | 6,190 |
| Memoranda: | ||
| Average total assets | $189,343,000 | 3,244 |
| Average earning assets | $164,158,000 | 3,374 |
| Average equity | $14,589,500 | 4,073 |
| Average total loans | $105,367,000 | 3,473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 1,148 |
| Cost of funding earning assets | 0.7490% | 5,216 |
| Net interest margin | 4.7612% | 672 |
| Noninterest income to average assets | 1.2814% | 783 |
| Noninterest expense to average assets | 4.8642% | 425 |
| Loan and lease loss provision to assets | 1.2110% | 728 |
| Net operating income to assets | -0.6871% | 6,600 |
| Return on assets (ROA) | -0.5767% | 6,584 |
| Pretax return on assets | -0.5767% | 6,541 |
| Return on Equity (ROE) | -6.8415% | 6,621 |
| Retained earnings to average equity (ytd only) | -6.8415% | 6,560 |
| Net charge-offs to loans | 2.3873% | 509 |
| Credit loss provision to net charge-offs | 81.2455% | 4,395 |
| Earnings coverage of net charge-offs (x) | 0.3515% | 5,560 |
| Efficiency ratio | 90.2772% | 1,162 |
| Assets per employee ($millions) | 2.3807% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4640% | 1,366 |
| Loan loss allowance to noncurrent loans | 42.2834% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 7.7269% | 545 |
| Noncurrent loans to loans | 5.8273% | 874 |
| Net loans and leases to total assets | 55.5778% | 4,783 |
| Net loans and leases to deposits | 62.5774% | 5,166 |
| Net loans and leases to core deposits | 67.2497% | 5,127 |
| Total domestic deposits to total assets | 88.8145% | 1,653 |
| Equity capital to assets | 7.9464% | 6,607 |
| Core capital (leverage) ratio | 8.0624% | 6,191 |
| Tier 1 risk-based capital ratio | 11.8822% | 5,913 |
| Total risk-based capital ratio | 13.1419% | 5,885 |
| Memoranda: | ||
| Average total assets | $187,449,400 | 3,224 |
| Average earning assets | $161,682,400 | 3,373 |
| Average equity | $15,800,600 | 3,754 |
| Average total loans | $117,033,800 | 3,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 897 |
| Cost of funding earning assets | 0.7533% | 5,451 |
| Net interest margin | 4.9177% | 492 |
| Noninterest income to average assets | 1.2612% | 811 |
| Noninterest expense to average assets | 4.9376% | 393 |
| Loan and lease loss provision to assets | 0.9641% | 906 |
| Net operating income to assets | -0.4028% | 6,586 |
| Return on assets (ROA) | -0.2842% | 6,535 |
| Pretax return on assets | -0.2842% | 6,481 |
| Return on Equity (ROE) | -3.3234% | 6,578 |
| Retained earnings to average equity (ytd only) | -3.3234% | 6,447 |
| Net charge-offs to loans | 1.9066% | 684 |
| Credit loss provision to net charge-offs | 79.2254% | 4,159 |
| Earnings coverage of net charge-offs (x) | 0.4613% | 5,281 |
| Efficiency ratio | 89.7922% | 1,181 |
| Assets per employee ($millions) | 2.3576% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5092% | 1,383 |
| Loan loss allowance to noncurrent loans | 66.1395% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 6.7854% | 743 |
| Noncurrent loans to loans | 3.7937% | 1,781 |
| Net loans and leases to total assets | 58.5870% | 4,397 |
| Net loans and leases to deposits | 66.4968% | 4,827 |
| Net loans and leases to core deposits | 73.9478% | 4,449 |
| Total domestic deposits to total assets | 88.1051% | 1,983 |
| Equity capital to assets | 8.5006% | 6,293 |
| Core capital (leverage) ratio | 8.4706% | 5,748 |
| Tier 1 risk-based capital ratio | 12.0682% | 5,851 |
| Total risk-based capital ratio | 13.3293% | 5,829 |
| Memoranda: | ||
| Average total assets | $186,698,750 | 3,248 |
| Average earning assets | $160,884,250 | 3,408 |
| Average equity | $15,967,250 | 3,747 |
| Average total loans | $119,161,500 | 3,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 745 |
| Cost of funding earning assets | 0.7868% | 5,467 |
| Net interest margin | 4.9909% | 402 |
| Noninterest income to average assets | 1.2641% | 787 |
| Noninterest expense to average assets | 4.8984% | 398 |
| Loan and lease loss provision to assets | 1.2899% | 578 |
| Net operating income to assets | -0.6148% | 6,767 |
| Return on assets (ROA) | -0.6912% | 6,818 |
| Pretax return on assets | -0.6912% | 6,759 |
| Return on Equity (ROE) | -8.0651% | 6,869 |
| Retained earnings to average equity (ytd only) | -8.0651% | 6,779 |
| Net charge-offs to loans | 2.5632% | 451 |
| Credit loss provision to net charge-offs | 77.3196% | 3,849 |
| Earnings coverage of net charge-offs (x) | 0.4046% | 5,001 |
| Efficiency ratio | 87.8881% | 1,426 |
| Assets per employee ($millions) | 2.3458% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5031% | 1,445 |
| Loan loss allowance to noncurrent loans | 81.5239% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 6.5676% | 811 |
| Noncurrent loans to loans | 3.0704% | 2,354 |
| Net loans and leases to total assets | 59.0696% | 4,456 |
| Net loans and leases to deposits | 66.9160% | 4,865 |
| Net loans and leases to core deposits | 74.0333% | 4,579 |
| Total domestic deposits to total assets | 88.2743% | 1,979 |
| Equity capital to assets | 8.3313% | 6,383 |
| Core capital (leverage) ratio | 8.3343% | 5,817 |
| Tier 1 risk-based capital ratio | 11.8718% | 5,886 |
| Total risk-based capital ratio | 13.1331% | 5,854 |
| Memoranda: | ||
| Average total assets | $186,061,670 | 3,287 |
| Average earning assets | $160,652,330 | 3,430 |
| Average equity | $15,945,330 | 3,742 |
| Average total loans | $121,100,330 | 3,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9384% | 549 |
| Cost of funding earning assets | 0.8309% | 5,389 |
| Net interest margin | 5.1075% | 300 |
| Noninterest income to average assets | 1.1724% | 940 |
| Noninterest expense to average assets | 5.0783% | 342 |
| Loan and lease loss provision to assets | 0.3239% | 2,605 |
| Net operating income to assets | 0.1900% | 5,815 |
| Return on assets (ROA) | 0.1900% | 5,875 |
| Pretax return on assets | 0.1900% | 5,962 |
| Return on Equity (ROE) | 2.1863% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.1863% | 4,832 |
| Net charge-offs to loans | 0.8397% | 1,568 |
| Credit loss provision to net charge-offs | 57.2519% | 3,595 |
| Earnings coverage of net charge-offs (x) | 0.9084% | 3,971 |
| Efficiency ratio | 90.8108% | 1,256 |
| Assets per employee ($millions) | 2.2623% | 7,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4883% | 1,474 |
| Loan loss allowance to noncurrent loans | 36.5900% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 5.9373% | 985 |
| Noncurrent loans to loans | 6.8005% | 836 |
| Net loans and leases to total assets | 65.1914% | 3,203 |
| Net loans and leases to deposits | 74.2277% | 3,725 |
| Net loans and leases to core deposits | 82.9173% | 3,321 |
| Total domestic deposits to total assets | 87.8263% | 2,470 |
| Equity capital to assets | 8.7620% | 5,555 |
| Core capital (leverage) ratio | 8.8515% | 4,850 |
| Tier 1 risk-based capital ratio | 11.9279% | 5,754 |
| Total risk-based capital ratio | 13.1896% | 5,736 |
| Memoranda: | ||
| Average total assets | $185,260,000 | 3,317 |
| Average earning assets | $160,313,000 | 3,457 |
| Average equity | $16,100,500 | 3,708 |
| Average total loans | $124,801,000 | 3,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0934% | 707 |
| Cost of funding earning assets | 1.1857% | 4,644 |
| Net interest margin | 4.9077% | 540 |
| Noninterest income to average assets | 1.2685% | 918 |
| Noninterest expense to average assets | 4.5011% | 650 |
| Loan and lease loss provision to assets | 2.1072% | 609 |
| Net operating income to assets | -1.0151% | 6,690 |
| Return on assets (ROA) | -1.2813% | 6,846 |
| Pretax return on assets | -1.2813% | 6,772 |
| Return on Equity (ROE) | -14.4328% | 6,901 |
| Retained earnings to average equity (ytd only) | -16.2063% | 6,922 |
| Net charge-offs to loans | 2.1053% | 940 |
| Credit loss provision to net charge-offs | 146.6790% | 2,504 |
| Earnings coverage of net charge-offs (x) | 0.7601% | 5,361 |
| Efficiency ratio | 80.4758% | 2,349 |
| Assets per employee ($millions) | 2.1513% | 7,333 |
| Cash dividends to net income (ytd only)* | -12.2880% | 7,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5465% | 1,356 |
| Loan loss allowance to noncurrent loans | 42.5040% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 5.4888% | 1,128 |
| Noncurrent loans to loans | 5.9913% | 1,049 |
| Net loans and leases to total assets | 66.1485% | 3,438 |
| Net loans and leases to deposits | 75.1523% | 3,991 |
| Net loans and leases to core deposits | 83.8229% | 3,624 |
| Total domestic deposits to total assets | 88.0193% | 2,240 |
| Equity capital to assets | 8.6193% | 5,696 |
| Core capital (leverage) ratio | 9.0676% | 4,418 |
| Tier 1 risk-based capital ratio | 11.7351% | 5,698 |
| Total risk-based capital ratio | 12.9980% | 5,695 |
| Memoranda: | ||
| Average total assets | $188,642,600 | 3,248 |
| Average earning assets | $166,228,000 | 3,346 |
| Average equity | $16,746,600 | 3,638 |
| Average total loans | $128,725,600 | 3,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0630% | 819 |
| Cost of funding earning assets | 1.2637% | 4,471 |
| Net interest margin | 4.7992% | 678 |
| Noninterest income to average assets | 1.2654% | 860 |
| Noninterest expense to average assets | 4.5524% | 559 |
| Loan and lease loss provision to assets | 2.7257% | 359 |
| Net operating income to assets | -1.7360% | 7,171 |
| Return on assets (ROA) | -1.8915% | 7,222 |
| Pretax return on assets | -1.8915% | 7,168 |
| Return on Equity (ROE) | -21.1562% | 7,248 |
| Retained earnings to average equity (ytd only) | -23.4929% | 7,274 |
| Net charge-offs to loans | 2.6406% | 622 |
| Credit loss provision to net charge-offs | 151.0721% | 2,573 |
| Earnings coverage of net charge-offs (x) | 0.5485% | 5,477 |
| Efficiency ratio | 82.1424% | 2,047 |
| Assets per employee ($millions) | 2.0905% | 7,473 |
| Cash dividends to net income (ytd only)* | -11.0450% | 7,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 1,246 |
| Loan loss allowance to noncurrent loans | 42.6318% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 5.3739% | 1,162 |
| Noncurrent loans to loans | 6.0221% | 1,034 |
| Net loans and leases to total assets | 66.9029% | 3,484 |
| Net loans and leases to deposits | 76.6576% | 4,061 |
| Net loans and leases to core deposits | 88.7284% | 3,282 |
| Total domestic deposits to total assets | 87.2751% | 2,385 |
| Equity capital to assets | 8.6877% | 6,035 |
| Core capital (leverage) ratio | 8.7678% | 5,071 |
| Tier 1 risk-based capital ratio | 11.4672% | 5,965 |
| Total risk-based capital ratio | 12.7298% | 5,936 |
| Memoranda: | ||
| Average total assets | $189,549,750 | 3,279 |
| Average earning assets | $168,911,750 | 3,345 |
| Average equity | $16,946,500 | 3,647 |
| Average total loans | $129,511,500 | 3,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0572% | 833 |
| Cost of funding earning assets | 1.3210% | 4,406 |
| Net interest margin | 4.7362% | 754 |
| Noninterest income to average assets | 1.3594% | 682 |
| Noninterest expense to average assets | 4.5159% | 565 |
| Loan and lease loss provision to assets | 3.3174% | 279 |
| Net operating income to assets | -2.2371% | 7,361 |
| Return on assets (ROA) | -2.4513% | 7,416 |
| Pretax return on assets | -2.4513% | 7,355 |
| Return on Equity (ROE) | -27.1716% | 7,397 |
| Retained earnings to average equity (ytd only) | -30.6115% | 7,427 |
| Net charge-offs to loans | 3.6699% | 384 |
| Credit loss provision to net charge-offs | 132.5125% | 3,042 |
| Earnings coverage of net charge-offs (x) | 0.4316% | 5,292 |
| Efficiency ratio | 80.6945% | 2,344 |
| Assets per employee ($millions) | 2.0808% | 7,531 |
| Cash dividends to net income (ytd only)* | -12.6598% | 7,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 1,954 |
| Loan loss allowance to noncurrent loans | 39.7887% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 4.9090% | 1,318 |
| Noncurrent loans to loans | 5.2872% | 1,278 |
| Net loans and leases to total assets | 68.1473% | 3,328 |
| Net loans and leases to deposits | 77.9496% | 3,974 |
| Net loans and leases to core deposits | 89.6977% | 3,313 |
| Total domestic deposits to total assets | 87.4248% | 2,307 |
| Equity capital to assets | 8.6301% | 5,973 |
| Core capital (leverage) ratio | 8.6300% | 5,192 |
| Tier 1 risk-based capital ratio | 11.4677% | 5,802 |
| Total risk-based capital ratio | 12.7257% | 5,765 |
| Memoranda: | ||
| Average total assets | $191,412,330 | 3,286 |
| Average earning assets | $171,234,670 | 3,322 |
| Average equity | $17,268,000 | 3,591 |
| Average total loans | $130,575,670 | 3,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1587% | 696 |
| Cost of funding earning assets | 1.3607% | 4,415 |
| Net interest margin | 4.7980% | 649 |
| Noninterest income to average assets | 1.3099% | 701 |
| Noninterest expense to average assets | 4.5671% | 536 |
| Loan and lease loss provision to assets | 0.6169% | 2,063 |
| Net operating income to assets | 0.4400% | 4,661 |
| Return on assets (ROA) | 0.4400% | 4,790 |
| Pretax return on assets | 0.4400% | 5,163 |
| Return on Equity (ROE) | 4.7792% | 4,483 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,625 |
| Net charge-offs to loans | 0.8980% | 1,773 |
| Credit loss provision to net charge-offs | 101.6949% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.7424% | 3,688 |
| Efficiency ratio | 81.2066% | 2,384 |
| Assets per employee ($millions) | 2.2040% | 7,547 |
| Cash dividends to net income (ytd only)* | 89.2523% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,978 |
| Loan loss allowance to noncurrent loans | 161.0973% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 3,447 |
| Noncurrent loans to loans | 0.9225% | 5,471 |
| Net loans and leases to total assets | 66.2420% | 3,798 |
| Net loans and leases to deposits | 76.1830% | 4,377 |
| Net loans and leases to core deposits | 87.6155% | 3,663 |
| Total domestic deposits to total assets | 86.9511% | 2,653 |
| Equity capital to assets | 9.2948% | 4,838 |
| Core capital (leverage) ratio | 9.7591% | 3,446 |
| Tier 1 risk-based capital ratio | 12.8872% | 4,414 |
| Total risk-based capital ratio | 14.1376% | 4,389 |
| Memoranda: | ||
| Average total assets | $194,523,500 | 3,293 |
| Average earning assets | $174,907,500 | 3,322 |
| Average equity | $17,911,000 | 3,503 |
| Average total loans | $131,406,500 | 3,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3947% | 840 |
| Cost of funding earning assets | 1.7068% | 4,471 |
| Net interest margin | 4.6879% | 851 |
| Noninterest income to average assets | 1.3535% | 813 |
| Noninterest expense to average assets | 4.3885% | 885 |
| Loan and lease loss provision to assets | 0.1482% | 6,181 |
| Net operating income to assets | 1.0910% | 1,536 |
| Return on assets (ROA) | 1.0910% | 1,583 |
| Pretax return on assets | 1.0910% | 2,281 |
| Return on Equity (ROE) | 12.6038% | 1,038 |
| Retained earnings to average equity (ytd only) | 6.5097% | 1,144 |
| Net charge-offs to loans | 0.6976% | 3,091 |
| Credit loss provision to net charge-offs | 31.3550% | 6,889 |
| Earnings coverage of net charge-offs (x) | 2.6226% | 3,805 |
| Efficiency ratio | 77.9616% | 3,199 |
| Assets per employee ($millions) | 2.1678% | 7,595 |
| Cash dividends to net income (ytd only)* | 48.3511% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 3,925 |
| Loan loss allowance to noncurrent loans | 126.0104% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 2.0067% | 3,387 |
| Noncurrent loans to loans | 1.1586% | 5,010 |
| Net loans and leases to total assets | 66.8722% | 3,958 |
| Net loans and leases to deposits | 76.7819% | 4,609 |
| Net loans and leases to core deposits | 108.4288% | 3,055 |
| Total domestic deposits to total assets | 87.0937% | 2,445 |
| Equity capital to assets | 9.1210% | 4,952 |
| Core capital (leverage) ratio | 9.6720% | 3,495 |
| Tier 1 risk-based capital ratio | 12.7694% | 4,307 |
| Total risk-based capital ratio | 14.0198% | 4,247 |
| Memoranda: | ||
| Average total assets | $188,995,600 | 3,299 |
| Average earning assets | $172,315,600 | 3,318 |
| Average equity | $16,360,200 | 3,813 |
| Average total loans | $128,005,200 | 3,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4624% | 817 |
| Cost of funding earning assets | 1.7406% | 4,692 |
| Net interest margin | 4.7218% | 802 |
| Noninterest income to average assets | 1.3591% | 819 |
| Noninterest expense to average assets | 4.4216% | 812 |
| Loan and lease loss provision to assets | 0.0391% | 6,973 |
| Net operating income to assets | 1.2183% | 1,422 |
| Return on assets (ROA) | 1.2183% | 1,481 |
| Pretax return on assets | 1.2183% | 2,205 |
| Return on Equity (ROE) | 14.2733% | 882 |
| Retained earnings to average equity (ytd only) | 5.9659% | 1,967 |
| Net charge-offs to loans | 0.2721% | 4,341 |
| Credit loss provision to net charge-offs | 21.2355% | 6,562 |
| Earnings coverage of net charge-offs (x) | 6.8263% | 2,535 |
| Efficiency ratio | 77.8334% | 3,189 |
| Assets per employee ($millions) | 2.1957% | 7,616 |
| Cash dividends to net income (ytd only)* | 58.2021% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 2,235 |
| Loan loss allowance to noncurrent loans | 94.9331% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 4,377 |
| Noncurrent loans to loans | 1.9102% | 3,764 |
| Net loans and leases to total assets | 64.8906% | 4,675 |
| Net loans and leases to deposits | 74.5243% | 5,291 |
| Net loans and leases to core deposits | 102.8068% | 4,075 |
| Total domestic deposits to total assets | 87.0732% | 2,146 |
| Equity capital to assets | 9.0802% | 5,369 |
| Core capital (leverage) ratio | 10.0646% | 3,213 |
| Tier 1 risk-based capital ratio | 13.0355% | 4,170 |
| Total risk-based capital ratio | 14.2899% | 4,102 |
| Memoranda: | ||
| Average total assets | $187,469,750 | 3,345 |
| Average earning assets | $171,510,750 | 3,353 |
| Average equity | $16,001,500 | 3,913 |
| Average total loans | $126,906,500 | 3,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5648% | 708 |
| Cost of funding earning assets | 1.7933% | 4,797 |
| Net interest margin | 4.7715% | 697 |
| Noninterest income to average assets | 1.3440% | 845 |
| Noninterest expense to average assets | 4.4519% | 808 |
| Loan and lease loss provision to assets | 0.0325% | 6,915 |
| Net operating income to assets | 1.2217% | 1,423 |
| Return on assets (ROA) | 1.2217% | 1,498 |
| Pretax return on assets | 1.2217% | 2,238 |
| Return on Equity (ROE) | 14.6427% | 881 |
| Retained earnings to average equity (ytd only) | 5.1230% | 2,444 |
| Net charge-offs to loans | 0.1538% | 4,657 |
| Credit loss provision to net charge-offs | 30.9278% | 6,020 |
| Earnings coverage of net charge-offs (x) | 11.9485% | 1,857 |
| Efficiency ratio | 77.9822% | 3,349 |
| Assets per employee ($millions) | 2.0899% | 7,782 |
| Cash dividends to net income (ytd only)* | 65.0133% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 1,709 |
| Loan loss allowance to noncurrent loans | 128.3791% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,827 |
| Noncurrent loans to loans | 1.5070% | 4,235 |
| Net loans and leases to total assets | 67.5575% | 4,240 |
| Net loans and leases to deposits | 77.1458% | 5,011 |
| Net loans and leases to core deposits | 99.4318% | 4,565 |
| Total domestic deposits to total assets | 87.5713% | 1,985 |
| Equity capital to assets | 8.3991% | 6,192 |
| Core capital (leverage) ratio | 9.7383% | 3,588 |
| Tier 1 risk-based capital ratio | 13.1133% | 4,058 |
| Total risk-based capital ratio | 14.3694% | 3,979 |
| Memoranda: | ||
| Average total assets | $184,821,330 | 3,410 |
| Average earning assets | $168,961,670 | 3,409 |
| Average equity | $15,420,670 | 4,033 |
| Average total loans | $126,159,330 | 3,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5578% | 773 |
| Cost of funding earning assets | 1.7965% | 5,130 |
| Net interest margin | 4.7613% | 664 |
| Noninterest income to average assets | 1.3049% | 839 |
| Noninterest expense to average assets | 4.6810% | 603 |
| Loan and lease loss provision to assets | 0.0651% | 6,133 |
| Net operating income to assets | 0.9032% | 2,693 |
| Return on assets (ROA) | 0.9032% | 2,843 |
| Pretax return on assets | 0.9032% | 3,699 |
| Return on Equity (ROE) | 10.8616% | 2,010 |
| Retained earnings to average equity (ytd only) | -1.7755% | 6,051 |
| Net charge-offs to loans | 0.1790% | 3,567 |
| Credit loss provision to net charge-offs | 53.5714% | 4,620 |
| Earnings coverage of net charge-offs (x) | 7.9643% | 2,261 |
| Efficiency ratio | 82.8209% | 2,435 |
| Assets per employee ($millions) | 2.0124% | 7,888 |
| Cash dividends to net income (ytd only)* | 116.3462% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 1,379 |
| Loan loss allowance to noncurrent loans | 244.6602% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 5,679 |
| Noncurrent loans to loans | 0.8242% | 5,385 |
| Net loans and leases to total assets | 66.1395% | 4,556 |
| Net loans and leases to deposits | 75.3384% | 5,306 |
| Net loans and leases to core deposits | 96.4645% | 4,913 |
| Total domestic deposits to total assets | 87.7899% | 1,849 |
| Equity capital to assets | 8.2364% | 6,485 |
| Core capital (leverage) ratio | 9.6903% | 3,769 |
| Tier 1 risk-based capital ratio | 12.9071% | 4,244 |
| Total risk-based capital ratio | 14.1638% | 4,167 |
| Memoranda: | ||
| Average total assets | $184,233,500 | 3,444 |
| Average earning assets | $168,105,500 | 3,448 |
| Average equity | $15,320,000 | 4,080 |
| Average total loans | $125,172,000 | 3,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0444% | 1,019 |
| Cost of funding earning assets | 2.1120% | 5,992 |
| Net interest margin | 4.9325% | 592 |
| Noninterest income to average assets | 1.5059% | 617 |
| Noninterest expense to average assets | 4.8722% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0465% | 2,370 |
| Return on assets (ROA) | 1.0548% | 2,230 |
| Pretax return on assets | 1.0548% | 3,197 |
| Return on Equity (ROE) | 11.4450% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.5210% | 1,329 |
| Net charge-offs to loans | 0.2776% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.7932% | 3,532 |
| Efficiency ratio | 82.2720% | 2,272 |
| Assets per employee ($millions) | 1.9712% | 7,937 |
| Cash dividends to net income (ytd only)* | 43.0233% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 1,166 |
| Loan loss allowance to noncurrent loans | 280.0880% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 5,638 |
| Noncurrent loans to loans | 0.7250% | 5,220 |
| Net loans and leases to total assets | 66.9990% | 4,636 |
| Net loans and leases to deposits | 78.6328% | 5,252 |
| Net loans and leases to core deposits | 100.2375% | 4,805 |
| Total domestic deposits to total assets | 85.2050% | 2,747 |
| Equity capital to assets | 8.3955% | 6,264 |
| Core capital (leverage) ratio | 10.2346% | 3,228 |
| Tier 1 risk-based capital ratio | 12.8836% | 4,172 |
| Total risk-based capital ratio | 14.1405% | 4,096 |
| Memoranda: | ||
| Average total assets | $179,363,000 | 3,413 |
| Average earning assets | $160,467,800 | 3,463 |
| Average equity | $16,531,200 | 3,821 |
| Average total loans | $116,717,200 | 3,529 |