Home > The Salt Lick Deposit Bank > Performance and Condition Ratios
The Salt Lick Deposit 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 | 4.7487% | 2,401 |
| Cost of funding earning assets | 1.1701% | 663 |
| Net interest margin | 3.5786% | 4,190 |
| Noninterest income to average assets | 0.9369% | 1,753 |
| Noninterest expense to average assets | 2.7175% | 4,340 |
| Loan and lease loss provision to assets | 0.1385% | 3,878 |
| Net operating income to assets | 0.9177% | 2,726 |
| Return on assets (ROA) | 0.9177% | 2,967 |
| Pretax return on assets | 1.3114% | 2,349 |
| Return on Equity (ROE) | 8.0903% | 3,048 |
| Retained earnings to average equity (ytd only) | -2.0074% | 6,158 |
| Net charge-offs to loans | 0.5950% | 1,949 |
| Credit loss provision to net charge-offs | 31.7610% | 5,091 |
| Earnings coverage of net charge-offs (x) | 3.3239% | 3,774 |
| Efficiency ratio | 65.2074% | 4,666 |
| Assets per employee ($millions) | 4.2526% | 3,456 |
| Cash dividends to net income (ytd only)* | 124.8132% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 5,040 |
| Loan loss allowance to noncurrent loans | 54.7945% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.7858% | 1,723 |
| Noncurrent loans to loans | 2.2195% | 2,439 |
| Net loans and leases to total assets | 71.9078% | 1,504 |
| Net loans and leases to deposits | 84.2108% | 1,730 |
| Net loans and leases to core deposits | 90.8845% | 1,734 |
| Total domestic deposits to total assets | 85.3902% | 3,663 |
| Equity capital to assets | 11.0037% | 2,949 |
| Core capital (leverage) ratio | 9.9771% | 3,434 |
| Tier 1 risk-based capital ratio | 14.2473% | 4,205 |
| Total risk-based capital ratio | 15.4771% | 4,177 |
| Memoranda: | ||
| Average total assets | $72,898,800 | 5,552 |
| Average earning assets | $65,807,800 | 5,557 |
| Average equity | $8,269,200 | 5,427 |
| Average total loans | $53,446,200 | 4,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 2,435 |
| Cost of funding earning assets | 1.1913% | 721 |
| Net interest margin | 3.5962% | 4,247 |
| Noninterest income to average assets | 0.8524% | 2,021 |
| Noninterest expense to average assets | 2.7779% | 4,065 |
| Loan and lease loss provision to assets | 0.1515% | 3,645 |
| Net operating income to assets | 0.8122% | 3,390 |
| Return on assets (ROA) | 0.8122% | 3,629 |
| Pretax return on assets | 1.1626% | 3,122 |
| Return on Equity (ROE) | 7.1075% | 3,746 |
| Retained earnings to average equity (ytd only) | 7.1075% | 2,056 |
| Net charge-offs to loans | 0.7406% | 1,494 |
| Credit loss provision to net charge-offs | 27.8523% | 4,833 |
| Earnings coverage of net charge-offs (x) | 2.4161% | 4,073 |
| Efficiency ratio | 67.8858% | 4,090 |
| Assets per employee ($millions) | 4.3512% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 5,339 |
| Loan loss allowance to noncurrent loans | 73.4554% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 2,286 |
| Noncurrent loans to loans | 1.6173% | 3,365 |
| Net loans and leases to total assets | 72.1877% | 1,520 |
| Net loans and leases to deposits | 85.5477% | 1,657 |
| Net loans and leases to core deposits | 92.3138% | 1,751 |
| Total domestic deposits to total assets | 84.3831% | 4,044 |
| Equity capital to assets | 11.5802% | 2,667 |
| Core capital (leverage) ratio | 10.8453% | 2,550 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,938 |
| Total risk-based capital ratio | 16.0850% | 3,914 |
| Memoranda: | ||
| Average total assets | $73,050,000 | 5,602 |
| Average earning assets | $65,808,750 | 5,622 |
| Average equity | $8,347,750 | 5,460 |
| Average total loans | $53,651,500 | 5,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 2,487 |
| Cost of funding earning assets | 1.2312% | 710 |
| Net interest margin | 3.5745% | 4,366 |
| Noninterest income to average assets | 0.8248% | 2,079 |
| Noninterest expense to average assets | 2.7742% | 4,119 |
| Loan and lease loss provision to assets | 0.0440% | 5,129 |
| Net operating income to assets | 0.8523% | 3,128 |
| Return on assets (ROA) | 0.8523% | 3,402 |
| Pretax return on assets | 1.2235% | 2,826 |
| Return on Equity (ROE) | 7.4924% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.4924% | 1,878 |
| Net charge-offs to loans | 1.0351% | 1,061 |
| Credit loss provision to net charge-offs | 5.7762% | 4,775 |
| Earnings coverage of net charge-offs (x) | 1.6643% | 4,158 |
| Efficiency ratio | 68.6395% | 4,011 |
| Assets per employee ($millions) | 4.3086% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,657 |
| Loan loss allowance to noncurrent loans | 70.2002% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.3496% | 2,378 |
| Noncurrent loans to loans | 1.6068% | 3,496 |
| Net loans and leases to total assets | 71.3227% | 1,676 |
| Net loans and leases to deposits | 84.5419% | 1,783 |
| Net loans and leases to core deposits | 90.2652% | 1,957 |
| Total domestic deposits to total assets | 84.3637% | 4,161 |
| Equity capital to assets | 11.5119% | 2,581 |
| Core capital (leverage) ratio | 10.6512% | 2,661 |
| Tier 1 risk-based capital ratio | 14.9938% | 3,771 |
| Total risk-based capital ratio | 16.1482% | 3,782 |
| Memoranda: | ||
| Average total assets | $72,743,000 | 5,646 |
| Average earning assets | $65,463,670 | 5,663 |
| Average equity | $8,275,000 | 5,487 |
| Average total loans | $53,522,000 | 5,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 2,330 |
| Cost of funding earning assets | 1.2869% | 665 |
| Net interest margin | 3.5909% | 4,303 |
| Noninterest income to average assets | 0.8442% | 1,969 |
| Noninterest expense to average assets | 2.7203% | 4,354 |
| Loan and lease loss provision to assets | 0.1214% | 3,824 |
| Net operating income to assets | 0.8387% | 3,207 |
| Return on assets (ROA) | 0.8387% | 3,444 |
| Pretax return on assets | 1.2360% | 2,780 |
| Return on Equity (ROE) | 7.4178% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.4178% | 2,221 |
| Net charge-offs to loans | 0.2970% | 2,474 |
| Credit loss provision to net charge-offs | 55.0000% | 3,200 |
| Earnings coverage of net charge-offs (x) | 6.1500% | 2,247 |
| Efficiency ratio | 66.7118% | 4,423 |
| Assets per employee ($millions) | 4.3051% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,780 |
| Loan loss allowance to noncurrent loans | 78.1920% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.6385% | 2,240 |
| Noncurrent loans to loans | 2.0275% | 3,115 |
| Net loans and leases to total assets | 71.1666% | 1,538 |
| Net loans and leases to deposits | 84.2293% | 1,636 |
| Net loans and leases to core deposits | 89.9070% | 1,858 |
| Total domestic deposits to total assets | 84.4916% | 4,278 |
| Equity capital to assets | 11.3027% | 2,624 |
| Core capital (leverage) ratio | 10.6038% | 2,644 |
| Tier 1 risk-based capital ratio | 14.5665% | 4,049 |
| Total risk-based capital ratio | 15.8193% | 4,006 |
| Memoranda: | ||
| Average total assets | $72,491,500 | 5,696 |
| Average earning assets | $65,275,500 | 5,714 |
| Average equity | $8,196,500 | 5,532 |
| Average total loans | $53,864,500 | 5,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 2,344 |
| Cost of funding earning assets | 1.5514% | 578 |
| Net interest margin | 3.5756% | 4,822 |
| Noninterest income to average assets | 0.8866% | 1,721 |
| Noninterest expense to average assets | 2.5502% | 5,294 |
| Loan and lease loss provision to assets | 0.5027% | 2,094 |
| Net operating income to assets | 0.7441% | 3,278 |
| Return on assets (ROA) | 0.7441% | 3,447 |
| Pretax return on assets | 1.0660% | 2,975 |
| Return on Equity (ROE) | 7.1800% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.1800% | 1,414 |
| Net charge-offs to loans | 0.4784% | 3,078 |
| Credit loss provision to net charge-offs | 137.0504% | 2,173 |
| Earnings coverage of net charge-offs (x) | 4.2770% | 3,184 |
| Efficiency ratio | 61.9154% | 5,475 |
| Assets per employee ($millions) | 4.2234% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,733 |
| Loan loss allowance to noncurrent loans | 75.3076% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.7647% | 2,198 |
| Noncurrent loans to loans | 2.0764% | 3,100 |
| Net loans and leases to total assets | 75.1410% | 1,071 |
| Net loans and leases to deposits | 89.1763% | 1,249 |
| Net loans and leases to core deposits | 97.1739% | 1,399 |
| Total domestic deposits to total assets | 84.2612% | 4,211 |
| Equity capital to assets | 11.3111% | 2,677 |
| Core capital (leverage) ratio | 10.3544% | 2,904 |
| Tier 1 risk-based capital ratio | 13.8731% | 4,423 |
| Total risk-based capital ratio | 15.1278% | 4,373 |
| Memoranda: | ||
| Average total assets | $75,797,600 | 5,579 |
| Average earning assets | $68,520,200 | 5,593 |
| Average equity | $7,855,200 | 5,614 |
| Average total loans | $58,105,600 | 4,942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1364% | 2,444 |
| Cost of funding earning assets | 1.6027% | 575 |
| Net interest margin | 3.5337% | 5,044 |
| Noninterest income to average assets | 0.8837% | 1,708 |
| Noninterest expense to average assets | 2.5035% | 5,449 |
| Loan and lease loss provision to assets | 0.6615% | 1,465 |
| Net operating income to assets | 0.6441% | 3,905 |
| Return on assets (ROA) | 0.6441% | 4,083 |
| Pretax return on assets | 0.9149% | 3,705 |
| Return on Equity (ROE) | 6.3508% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.3508% | 2,328 |
| Net charge-offs to loans | 0.2489% | 3,874 |
| Credit loss provision to net charge-offs | 346.3636% | 814 |
| Earnings coverage of net charge-offs (x) | 8.2547% | 2,210 |
| Efficiency ratio | 61.3617% | 5,507 |
| Assets per employee ($millions) | 4.3376% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,838 |
| Loan loss allowance to noncurrent loans | 70.3018% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 3.0364% | 2,114 |
| Noncurrent loans to loans | 2.6001% | 2,668 |
| Net loans and leases to total assets | 74.6552% | 1,209 |
| Net loans and leases to deposits | 88.2240% | 1,414 |
| Net loans and leases to core deposits | 96.2598% | 1,582 |
| Total domestic deposits to total assets | 84.6201% | 3,959 |
| Equity capital to assets | 10.7514% | 3,420 |
| Core capital (leverage) ratio | 9.5334% | 4,106 |
| Tier 1 risk-based capital ratio | 13.1812% | 4,962 |
| Total risk-based capital ratio | 14.4379% | 4,937 |
| Memoranda: | ||
| Average total assets | $76,797,750 | 5,583 |
| Average earning assets | $69,463,500 | 5,600 |
| Average equity | $7,788,750 | 5,663 |
| Average total loans | $58,930,500 | 4,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 2,453 |
| Cost of funding earning assets | 1.6236% | 638 |
| Net interest margin | 3.5277% | 5,023 |
| Noninterest income to average assets | 0.8661% | 1,753 |
| Noninterest expense to average assets | 2.4827% | 5,604 |
| Loan and lease loss provision to assets | 0.1748% | 4,174 |
| Net operating income to assets | 0.9638% | 2,373 |
| Return on assets (ROA) | 0.9638% | 2,478 |
| Pretax return on assets | 1.4084% | 1,775 |
| Return on Equity (ROE) | 9.6870% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.6870% | 918 |
| Net charge-offs to loans | 0.2972% | 3,385 |
| Credit loss provision to net charge-offs | 76.4045% | 3,875 |
| Earnings coverage of net charge-offs (x) | 6.9213% | 2,310 |
| Efficiency ratio | 61.0619% | 5,721 |
| Assets per employee ($millions) | 4.5439% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,279 |
| Loan loss allowance to noncurrent loans | 89.3902% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.8616% | 3,419 |
| Noncurrent loans to loans | 1.4054% | 4,308 |
| Net loans and leases to total assets | 74.5828% | 1,310 |
| Net loans and leases to deposits | 87.5006% | 1,574 |
| Net loans and leases to core deposits | 95.9241% | 1,690 |
| Total domestic deposits to total assets | 85.2370% | 3,763 |
| Equity capital to assets | 10.2671% | 3,796 |
| Core capital (leverage) ratio | 9.4200% | 4,074 |
| Tier 1 risk-based capital ratio | 12.6644% | 5,210 |
| Total risk-based capital ratio | 13.9151% | 5,179 |
| Memoranda: | ||
| Average total assets | $77,817,330 | 5,600 |
| Average earning assets | $70,584,330 | 5,616 |
| Average equity | $7,742,330 | 5,689 |
| Average total loans | $59,882,330 | 4,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 2,539 |
| Cost of funding earning assets | 1.6854% | 591 |
| Net interest margin | 3.4384% | 5,272 |
| Noninterest income to average assets | 0.7170% | 2,470 |
| Noninterest expense to average assets | 2.3661% | 5,997 |
| Loan and lease loss provision to assets | 0.2561% | 3,093 |
| Net operating income to assets | 0.8399% | 2,828 |
| Return on assets (ROA) | 0.8399% | 2,886 |
| Pretax return on assets | 1.2189% | 2,312 |
| Return on Equity (ROE) | 8.5774% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,528 |
| Net charge-offs to loans | 0.0660% | 4,262 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 849 |
| Efficiency ratio | 61.6000% | 5,742 |
| Assets per employee ($millions) | 4.5772% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 5,086 |
| Loan loss allowance to noncurrent loans | 80.8554% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1436% | 3,137 |
| Noncurrent loans to loans | 1.6194% | 4,049 |
| Net loans and leases to total assets | 76.9075% | 885 |
| Net loans and leases to deposits | 89.8936% | 1,243 |
| Net loans and leases to core deposits | 98.7965% | 1,445 |
| Total domestic deposits to total assets | 85.5538% | 3,755 |
| Equity capital to assets | 9.9341% | 3,860 |
| Core capital (leverage) ratio | 8.9832% | 4,638 |
| Tier 1 risk-based capital ratio | 11.9965% | 5,693 |
| Total risk-based capital ratio | 13.2471% | 5,681 |
| Memoranda: | ||
| Average total assets | $78,102,500 | 5,641 |
| Average earning assets | $70,964,000 | 5,635 |
| Average equity | $7,648,000 | 5,728 |
| Average total loans | $60,650,500 | 4,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 6,405 |
| Cost of funding earning assets | 2.0245% | 555 |
| Net interest margin | 2.4746% | 7,283 |
| Noninterest income to average assets | 0.7040% | 2,823 |
| Noninterest expense to average assets | 2.4351% | 5,997 |
| Loan and lease loss provision to assets | 0.2964% | 4,428 |
| Net operating income to assets | 0.1573% | 5,415 |
| Return on assets (ROA) | 0.1573% | 5,575 |
| Pretax return on assets | 0.2274% | 5,418 |
| Return on Equity (ROE) | 1.7328% | 5,487 |
| Retained earnings to average equity (ytd only) | 1.7328% | 4,646 |
| Net charge-offs to loans | 0.9062% | 2,380 |
| Credit loss provision to net charge-offs | 53.3769% | 6,212 |
| Earnings coverage of net charge-offs (x) | 0.9434% | 5,168 |
| Efficiency ratio | 82.2976% | 2,127 |
| Assets per employee ($millions) | 4.6113% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,309 |
| Loan loss allowance to noncurrent loans | 83.1312% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 3,365 |
| Noncurrent loans to loans | 1.4951% | 4,233 |
| Net loans and leases to total assets | 76.4223% | 1,200 |
| Net loans and leases to deposits | 89.3684% | 1,605 |
| Net loans and leases to core deposits | 101.6371% | 1,482 |
| Total domestic deposits to total assets | 85.5138% | 3,592 |
| Equity capital to assets | 9.6515% | 4,211 |
| Core capital (leverage) ratio | 8.6443% | 5,114 |
| Tier 1 risk-based capital ratio | 11.6558% | 5,767 |
| Total risk-based capital ratio | 12.9067% | 5,774 |
| Memoranda: | ||
| Average total assets | $82,667,400 | 5,505 |
| Average earning assets | $75,326,200 | 5,497 |
| Average equity | $7,502,200 | 5,874 |
| Average total loans | $50,651,200 | 5,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 6,565 |
| Cost of funding earning assets | 2.0553% | 626 |
| Net interest margin | 2.4625% | 7,394 |
| Noninterest income to average assets | 0.7707% | 2,382 |
| Noninterest expense to average assets | 2.4091% | 6,005 |
| Loan and lease loss provision to assets | 0.2500% | 4,590 |
| Net operating income to assets | 0.2388% | 5,395 |
| Return on assets (ROA) | 0.2388% | 5,556 |
| Pretax return on assets | 0.3551% | 5,354 |
| Return on Equity (ROE) | 2.6716% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.6716% | 4,552 |
| Net charge-offs to loans | 1.1575% | 1,763 |
| Credit loss provision to net charge-offs | 37.5598% | 6,045 |
| Earnings coverage of net charge-offs (x) | 0.9091% | 5,148 |
| Efficiency ratio | 79.9260% | 2,349 |
| Assets per employee ($millions) | 4.6794% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,821 |
| Loan loss allowance to noncurrent loans | 99.2978% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 3,759 |
| Noncurrent loans to loans | 1.5427% | 4,321 |
| Net loans and leases to total assets | 57.1301% | 5,392 |
| Net loans and leases to deposits | 66.7171% | 5,580 |
| Net loans and leases to core deposits | 75.3632% | 5,139 |
| Total domestic deposits to total assets | 85.6304% | 3,277 |
| Equity capital to assets | 9.5387% | 4,782 |
| Core capital (leverage) ratio | 8.6726% | 5,237 |
| Tier 1 risk-based capital ratio | 14.4515% | 3,533 |
| Total risk-based capital ratio | 15.7042% | 3,506 |
| Memoranda: | ||
| Average total assets | $83,736,250 | 5,547 |
| Average earning assets | $76,288,250 | 5,538 |
| Average equity | $7,486,250 | 5,951 |
| Average total loans | $48,148,250 | 5,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 6,887 |
| Cost of funding earning assets | 2.0773% | 715 |
| Net interest margin | 2.3293% | 7,520 |
| Noninterest income to average assets | 0.8129% | 2,052 |
| Noninterest expense to average assets | 2.3916% | 6,086 |
| Loan and lease loss provision to assets | 0.2279% | 4,627 |
| Net operating income to assets | 0.2161% | 5,506 |
| Return on assets (ROA) | 0.2161% | 5,639 |
| Pretax return on assets | 0.3219% | 5,447 |
| Return on Equity (ROE) | 2.4690% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.4690% | 4,580 |
| Net charge-offs to loans | 0.1803% | 4,527 |
| Credit loss provision to net charge-offs | 220.4545% | 1,768 |
| Earnings coverage of net charge-offs (x) | 5.3182% | 2,700 |
| Efficiency ratio | 81.3099% | 2,256 |
| Assets per employee ($millions) | 5.1074% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 2,002 |
| Loan loss allowance to noncurrent loans | 60.4858% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1411% | 3,324 |
| Noncurrent loans to loans | 3.4438% | 2,305 |
| Net loans and leases to total assets | 55.2772% | 5,809 |
| Net loans and leases to deposits | 63.6488% | 6,067 |
| Net loans and leases to core deposits | 70.1989% | 5,854 |
| Total domestic deposits to total assets | 86.8473% | 2,624 |
| Equity capital to assets | 8.6806% | 5,910 |
| Core capital (leverage) ratio | 7.9637% | 6,308 |
| Tier 1 risk-based capital ratio | 13.5233% | 4,051 |
| Total risk-based capital ratio | 14.7491% | 4,032 |
| Memoranda: | ||
| Average total assets | $85,131,670 | 5,530 |
| Average earning assets | $77,792,670 | 5,517 |
| Average equity | $7,452,330 | 5,983 |
| Average total loans | $48,813,000 | 5,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 7,009 |
| Cost of funding earning assets | 2.1638% | 662 |
| Net interest margin | 2.2263% | 7,638 |
| Noninterest income to average assets | 0.8590% | 1,776 |
| Noninterest expense to average assets | 2.4299% | 5,983 |
| Loan and lease loss provision to assets | 0.1519% | 5,019 |
| Net operating income to assets | 0.2041% | 5,671 |
| Return on assets (ROA) | 0.2041% | 5,791 |
| Pretax return on assets | 0.3037% | 5,590 |
| Return on Equity (ROE) | 2.3212% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.3212% | 4,743 |
| Net charge-offs to loans | 0.2053% | 3,684 |
| Credit loss provision to net charge-offs | 128.0000% | 2,754 |
| Earnings coverage of net charge-offs (x) | 3.8400% | 2,766 |
| Efficiency ratio | 84.2105% | 2,003 |
| Assets per employee ($millions) | 5.0097% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0397% | 2,081 |
| Loan loss allowance to noncurrent loans | 50.6494% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.6337% | 2,764 |
| Noncurrent loans to loans | 4.0271% | 1,941 |
| Net loans and leases to total assets | 54.9827% | 5,895 |
| Net loans and leases to deposits | 63.5015% | 6,106 |
| Net loans and leases to core deposits | 70.1692% | 5,903 |
| Total domestic deposits to total assets | 86.5849% | 2,856 |
| Equity capital to assets | 8.7818% | 5,585 |
| Core capital (leverage) ratio | 8.0910% | 6,097 |
| Tier 1 risk-based capital ratio | 13.6526% | 3,893 |
| Total risk-based capital ratio | 14.8789% | 3,866 |
| Memoranda: | ||
| Average total assets | $84,284,500 | 5,624 |
| Average earning assets | $76,718,500 | 5,615 |
| Average equity | $7,410,000 | 6,051 |
| Average total loans | $48,711,500 | 5,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 7,161 |
| Cost of funding earning assets | 2.5558% | 884 |
| Net interest margin | 2.1292% | 7,688 |
| Noninterest income to average assets | 0.6841% | 3,062 |
| Noninterest expense to average assets | 2.4176% | 6,413 |
| Loan and lease loss provision to assets | 0.6002% | 3,392 |
| Net operating income to assets | -0.2276% | 5,872 |
| Return on assets (ROA) | -0.2276% | 5,870 |
| Pretax return on assets | -0.3846% | 5,902 |
| Return on Equity (ROE) | -2.8087% | 5,958 |
| Retained earnings to average equity (ytd only) | -2.8087% | 5,658 |
| Net charge-offs to loans | 0.7502% | 2,950 |
| Credit loss provision to net charge-offs | 131.8421% | 3,820 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 5,638 |
| Efficiency ratio | 91.8107% | 1,576 |
| Assets per employee ($millions) | 4.9061% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 2,143 |
| Loan loss allowance to noncurrent loans | 49.1870% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 2,481 |
| Noncurrent loans to loans | 3.9660% | 1,866 |
| Net loans and leases to total assets | 58.3353% | 5,601 |
| Net loans and leases to deposits | 67.5712% | 5,879 |
| Net loans and leases to core deposits | 103.5787% | 3,616 |
| Total domestic deposits to total assets | 86.3316% | 2,853 |
| Equity capital to assets | 8.8017% | 5,437 |
| Core capital (leverage) ratio | 8.0563% | 6,070 |
| Tier 1 risk-based capital ratio | 13.4863% | 3,833 |
| Total risk-based capital ratio | 14.7441% | 3,769 |
| Memoranda: | ||
| Average total assets | $83,470,600 | 5,613 |
| Average earning assets | $76,414,800 | 5,585 |
| Average equity | $6,764,600 | 6,348 |
| Average total loans | $50,654,800 | 5,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 7,226 |
| Cost of funding earning assets | 2.5992% | 1,034 |
| Net interest margin | 2.1379% | 7,743 |
| Noninterest income to average assets | 0.6707% | 3,213 |
| Noninterest expense to average assets | 2.5265% | 5,989 |
| Loan and lease loss provision to assets | 0.2284% | 5,147 |
| Net operating income to assets | -0.0559% | 5,815 |
| Return on assets (ROA) | -0.0559% | 5,864 |
| Pretax return on assets | -0.1230% | 5,873 |
| Return on Equity (ROE) | -0.7049% | 5,887 |
| Retained earnings to average equity (ytd only) | -0.7049% | 5,407 |
| Net charge-offs to loans | 0.6809% | 2,652 |
| Credit loss provision to net charge-offs | 55.0000% | 6,243 |
| Earnings coverage of net charge-offs (x) | 0.2539% | 5,764 |
| Efficiency ratio | 95.9951% | 1,279 |
| Assets per employee ($millions) | 4.9368% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 3,838 |
| Loan loss allowance to noncurrent loans | 132.4864% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,978 |
| Noncurrent loans to loans | 1.0722% | 5,168 |
| Net loans and leases to total assets | 60.3627% | 5,531 |
| Net loans and leases to deposits | 69.4553% | 5,987 |
| Net loans and leases to core deposits | 105.0645% | 3,813 |
| Total domestic deposits to total assets | 86.9087% | 2,224 |
| Equity capital to assets | 7.8653% | 6,975 |
| Core capital (leverage) ratio | 6.9756% | 7,452 |
| Tier 1 risk-based capital ratio | 11.1953% | 5,761 |
| Total risk-based capital ratio | 12.4485% | 5,705 |
| Memoranda: | ||
| Average total assets | $83,487,250 | 5,634 |
| Average earning assets | $76,584,750 | 5,613 |
| Average equity | $6,620,500 | 6,441 |
| Average total loans | $50,913,000 | 5,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 7,289 |
| Cost of funding earning assets | 2.6350% | 1,196 |
| Net interest margin | 2.1274% | 7,795 |
| Noninterest income to average assets | 0.6287% | 3,475 |
| Noninterest expense to average assets | 2.5726% | 5,846 |
| Loan and lease loss provision to assets | 0.2592% | 4,505 |
| Net operating income to assets | -0.1392% | 6,083 |
| Return on assets (ROA) | -0.1392% | 6,112 |
| Pretax return on assets | -0.2520% | 6,179 |
| Return on Equity (ROE) | -1.7504% | 6,184 |
| Retained earnings to average equity (ytd only) | -1.7504% | 5,684 |
| Net charge-offs to loans | 0.4965% | 2,843 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 0.0238% | 5,653 |
| Efficiency ratio | 99.7209% | 1,192 |
| Assets per employee ($millions) | 5.0432% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 2,646 |
| Loan loss allowance to noncurrent loans | 114.0303% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,665 |
| Noncurrent loans to loans | 1.4226% | 4,367 |
| Net loans and leases to total assets | 58.6377% | 5,885 |
| Net loans and leases to deposits | 67.3395% | 6,263 |
| Net loans and leases to core deposits | 101.0309% | 4,400 |
| Total domestic deposits to total assets | 87.0776% | 2,213 |
| Equity capital to assets | 7.6806% | 7,099 |
| Core capital (leverage) ratio | 6.9257% | 7,586 |
| Tier 1 risk-based capital ratio | 11.1427% | 5,735 |
| Total risk-based capital ratio | 12.3968% | 5,642 |
| Memoranda: | ||
| Average total assets | $83,341,000 | 5,689 |
| Average earning assets | $76,432,330 | 5,660 |
| Average equity | $6,627,000 | 6,487 |
| Average total loans | $50,754,000 | 5,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 7,152 |
| Cost of funding earning assets | 2.6808% | 1,321 |
| Net interest margin | 2.2287% | 7,770 |
| Noninterest income to average assets | 0.5356% | 4,017 |
| Noninterest expense to average assets | 2.4250% | 6,111 |
| Loan and lease loss provision to assets | 0.3068% | 3,497 |
| Net operating income to assets | -0.0779% | 6,375 |
| Return on assets (ROA) | -0.0779% | 6,494 |
| Pretax return on assets | -0.1558% | 6,521 |
| Return on Equity (ROE) | -0.9627% | 6,533 |
| Retained earnings to average equity (ytd only) | -0.9627% | 5,877 |
| Net charge-offs to loans | 0.5694% | 2,041 |
| Credit loss provision to net charge-offs | 87.5000% | 4,049 |
| Earnings coverage of net charge-offs (x) | 0.4306% | 4,643 |
| Efficiency ratio | 94.1399% | 1,423 |
| Assets per employee ($millions) | 4.9746% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 2,267 |
| Loan loss allowance to noncurrent loans | 70.1843% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7217% | 3,337 |
| Noncurrent loans to loans | 2.3657% | 2,782 |
| Net loans and leases to total assets | 58.6905% | 5,846 |
| Net loans and leases to deposits | 67.6655% | 6,214 |
| Net loans and leases to core deposits | 102.5496% | 4,287 |
| Total domestic deposits to total assets | 86.7363% | 2,342 |
| Equity capital to assets | 7.8338% | 7,029 |
| Core capital (leverage) ratio | 7.1317% | 7,534 |
| Tier 1 risk-based capital ratio | 11.4123% | 5,493 |
| Total risk-based capital ratio | 12.6642% | 5,395 |
| Memoranda: | ||
| Average total assets | $82,144,000 | 5,740 |
| Average earning assets | $75,201,000 | 5,723 |
| Average equity | $6,648,000 | 6,530 |
| Average total loans | $50,580,000 | 5,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6389% | 6,963 |
| Cost of funding earning assets | 3.1504% | 1,353 |
| Net interest margin | 2.4885% | 7,769 |
| Noninterest income to average assets | 0.6538% | 3,444 |
| Noninterest expense to average assets | 2.7120% | 5,215 |
| Loan and lease loss provision to assets | 0.2309% | 4,587 |
| Net operating income to assets | 0.0054% | 6,355 |
| Return on assets (ROA) | 0.0054% | 6,216 |
| Pretax return on assets | -0.0376% | 6,194 |
| Return on Equity (ROE) | 0.0602% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.0602% | 5,202 |
| Net charge-offs to loans | 0.4596% | 2,532 |
| Credit loss provision to net charge-offs | 87.3096% | 5,738 |
| Earnings coverage of net charge-offs (x) | 0.7310% | 5,784 |
| Efficiency ratio | 93.3457% | 1,304 |
| Assets per employee ($millions) | 4.4288% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,995 |
| Loan loss allowance to noncurrent loans | 128.3333% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 3,886 |
| Noncurrent loans to loans | 1.3021% | 3,907 |
| Net loans and leases to total assets | 62.5209% | 5,534 |
| Net loans and leases to deposits | 72.9299% | 5,954 |
| Net loans and leases to core deposits | 111.8238% | 3,581 |
| Total domestic deposits to total assets | 85.7274% | 2,525 |
| Equity capital to assets | 8.3681% | 6,311 |
| Core capital (leverage) ratio | 7.3736% | 7,334 |
| Tier 1 risk-based capital ratio | 11.6635% | 5,086 |
| Total risk-based capital ratio | 12.9181% | 4,979 |
| Memoranda: | ||
| Average total assets | $74,484,400 | 5,897 |
| Average earning assets | $67,389,200 | 5,912 |
| Average equity | $6,640,600 | 6,588 |
| Average total loans | $42,868,000 | 6,031 |