Home > The Troy State Bank > Performance and Condition Ratios
The Troy State Bank, Performance and Condition Ratios
| 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 | 4.1209% | 5,112 |
| Cost of funding earning assets | 1.0316% | 1,384 |
| Net interest margin | 3.0894% | 5,961 |
| Noninterest income to average assets | 0.2861% | 5,498 |
| Noninterest expense to average assets | 2.7573% | 4,149 |
| Loan and lease loss provision to assets | 0.0987% | 4,336 |
| Net operating income to assets | 0.3133% | 5,567 |
| Return on assets (ROA) | 0.4933% | 5,138 |
| Pretax return on assets | 0.5130% | 5,426 |
| Return on Equity (ROE) | 5.1060% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.5105% | 5,933 |
| Net charge-offs to loans | 0.2602% | 3,166 |
| Credit loss provision to net charge-offs | 80.0000% | 3,615 |
| Earnings coverage of net charge-offs (x) | 3.4401% | 3,645 |
| Efficiency ratio | 86.6667% | 1,328 |
| Assets per employee ($millions) | 5.1452% | 1,996 |
| Cash dividends to net income (ytd only)* | 90.0023% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 1,453 |
| Loan loss allowance to noncurrent loans | 208.0292% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 3,970 |
| Noncurrent loans to loans | 1.1224% | 4,180 |
| Net loans and leases to total assets | 46.3383% | 5,732 |
| Net loans and leases to deposits | 52.5640% | 5,936 |
| Net loans and leases to core deposits | 52.5640% | 6,145 |
| Total domestic deposits to total assets | 88.1560% | 1,952 |
| Equity capital to assets | 10.0637% | 4,400 |
| Core capital (leverage) ratio | 9.3454% | 4,510 |
| Tier 1 risk-based capital ratio | 18.5437% | 2,148 |
| Total risk-based capital ratio | 19.8087% | 2,111 |
| Memoranda: | ||
| Average total assets | $27,030,000 | 6,911 |
| Average earning assets | $25,333,250 | 6,863 |
| Average equity | $2,611,250 | 6,949 |
| Average total loans | $12,809,000 | 6,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 5,104 |
| Cost of funding earning assets | 1.0353% | 1,546 |
| Net interest margin | 3.1214% | 5,945 |
| Noninterest income to average assets | 0.3058% | 5,366 |
| Noninterest expense to average assets | 2.6434% | 4,633 |
| Loan and lease loss provision to assets | 0.0655% | 4,823 |
| Net operating income to assets | 0.4975% | 4,827 |
| Return on assets (ROA) | 0.5534% | 4,846 |
| Pretax return on assets | 0.5753% | 5,227 |
| Return on Equity (ROE) | 5.8045% | 4,415 |
| Retained earnings to average equity (ytd only) | -1.0692% | 6,222 |
| Net charge-offs to loans | 0.0154% | 5,209 |
| Credit loss provision to net charge-offs | 900.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 507 |
| Efficiency ratio | 81.9413% | 1,885 |
| Assets per employee ($millions) | 4.4877% | 2,926 |
| Cash dividends to net income (ytd only)* | 118.4211% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,593 |
| Loan loss allowance to noncurrent loans | 205.5172% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 3,940 |
| Noncurrent loans to loans | 1.1184% | 4,283 |
| Net loans and leases to total assets | 47.0437% | 5,722 |
| Net loans and leases to deposits | 54.0978% | 5,855 |
| Net loans and leases to core deposits | 54.0978% | 6,091 |
| Total domestic deposits to total assets | 86.9606% | 2,788 |
| Equity capital to assets | 9.7415% | 4,705 |
| Core capital (leverage) ratio | 8.7511% | 5,293 |
| Tier 1 risk-based capital ratio | 17.6314% | 2,424 |
| Total risk-based capital ratio | 18.8913% | 2,390 |
| Memoranda: | ||
| Average total assets | $27,464,670 | 6,962 |
| Average earning assets | $25,693,670 | 6,908 |
| Average equity | $2,618,670 | 6,985 |
| Average total loans | $13,010,000 | 6,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 4,993 |
| Cost of funding earning assets | 1.0345% | 1,776 |
| Net interest margin | 3.1963% | 5,791 |
| Noninterest income to average assets | 0.3173% | 5,339 |
| Noninterest expense to average assets | 2.6105% | 4,781 |
| Loan and lease loss provision to assets | 0.0721% | 4,500 |
| Net operating income to assets | 0.5959% | 4,359 |
| Return on assets (ROA) | 0.7067% | 4,072 |
| Pretax return on assets | 0.7356% | 4,668 |
| Return on Equity (ROE) | 7.4909% | 3,500 |
| Retained earnings to average equity (ytd only) | 5.9622% | 2,982 |
| Net charge-offs to loans | -0.0307% | 6,348 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0393% | 2,348 |
| Assets per employee ($millions) | 4.5562% | 2,889 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3451% | 1,599 |
| Loan loss allowance to noncurrent loans | 120.3252% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 4,425 |
| Noncurrent loans to loans | 1.9490% | 3,221 |
| Net loans and leases to total assets | 45.0891% | 5,890 |
| Net loans and leases to deposits | 51.7074% | 6,000 |
| Net loans and leases to core deposits | 51.7074% | 6,227 |
| Total domestic deposits to total assets | 87.2005% | 2,824 |
| Equity capital to assets | 9.6024% | 4,651 |
| Core capital (leverage) ratio | 8.8705% | 5,033 |
| Tier 1 risk-based capital ratio | 18.6237% | 2,101 |
| Total risk-based capital ratio | 19.8867% | 2,066 |
| Memoranda: | ||
| Average total assets | $27,734,000 | 7,007 |
| Average earning assets | $25,905,000 | 6,958 |
| Average equity | $2,616,500 | 7,038 |
| Average total loans | $13,032,500 | 6,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 4,578 |
| Cost of funding earning assets | 1.2503% | 1,736 |
| Net interest margin | 3.3726% | 5,569 |
| Noninterest income to average assets | 0.3336% | 5,151 |
| Noninterest expense to average assets | 2.6948% | 4,762 |
| Loan and lease loss provision to assets | 0.4160% | 2,508 |
| Net operating income to assets | 0.2199% | 5,526 |
| Return on assets (ROA) | 0.2511% | 5,565 |
| Pretax return on assets | 0.4460% | 5,142 |
| Return on Equity (ROE) | 2.5633% | 5,454 |
| Retained earnings to average equity (ytd only) | -0.6887% | 5,959 |
| Net charge-offs to loans | 0.2583% | 4,160 |
| Credit loss provision to net charge-offs | 317.1429% | 738 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,565 |
| Efficiency ratio | 76.8162% | 2,770 |
| Assets per employee ($millions) | 4.0187% | 3,810 |
| Cash dividends to net income (ytd only)* | 126.8657% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 1,883 |
| Loan loss allowance to noncurrent loans | 83.5735% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 3,954 |
| Noncurrent loans to loans | 2.5813% | 2,538 |
| Net loans and leases to total assets | 46.7562% | 5,941 |
| Net loans and leases to deposits | 53.4827% | 6,116 |
| Net loans and leases to core deposits | 53.4827% | 6,337 |
| Total domestic deposits to total assets | 87.4231% | 2,514 |
| Equity capital to assets | 9.2709% | 5,181 |
| Core capital (leverage) ratio | 9.0555% | 4,687 |
| Tier 1 risk-based capital ratio | 17.1404% | 2,539 |
| Total risk-based capital ratio | 18.4005% | 2,497 |
| Memoranda: | ||
| Average total assets | $26,680,800 | 7,057 |
| Average earning assets | $25,114,000 | 7,010 |
| Average equity | $2,613,800 | 7,091 |
| Average total loans | $13,550,200 | 6,966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 3,827 |
| Cost of funding earning assets | 1.2936% | 1,737 |
| Net interest margin | 3.5480% | 4,989 |
| Noninterest income to average assets | 0.3344% | 5,182 |
| Noninterest expense to average assets | 2.7458% | 4,550 |
| Loan and lease loss provision to assets | 0.1368% | 4,728 |
| Net operating income to assets | 0.7664% | 3,314 |
| Return on assets (ROA) | 0.8004% | 3,324 |
| Pretax return on assets | 0.8359% | 3,995 |
| Return on Equity (ROE) | 8.0551% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.7216% | 4,099 |
| Net charge-offs to loans | 0.2160% | 4,086 |
| Credit loss provision to net charge-offs | 122.7273% | 2,630 |
| Earnings coverage of net charge-offs (x) | 8.4098% | 2,184 |
| Efficiency ratio | 74.5530% | 3,077 |
| Assets per employee ($millions) | 3.8180% | 4,269 |
| Cash dividends to net income (ytd only)* | 53.7976% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 4,047 |
| Loan loss allowance to noncurrent loans | 73.4899% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 4,550 |
| Noncurrent loans to loans | 2.0550% | 3,295 |
| Net loans and leases to total assets | 53.4386% | 5,254 |
| Net loans and leases to deposits | 63.2815% | 5,260 |
| Net loans and leases to core deposits | 63.2815% | 5,695 |
| Total domestic deposits to total assets | 84.4459% | 4,034 |
| Equity capital to assets | 10.0127% | 4,324 |
| Core capital (leverage) ratio | 9.3997% | 4,305 |
| Tier 1 risk-based capital ratio | 17.2978% | 2,525 |
| Total risk-based capital ratio | 18.5507% | 2,487 |
| Memoranda: | ||
| Average total assets | $26,318,250 | 7,135 |
| Average earning assets | $24,839,500 | 7,089 |
| Average equity | $2,615,250 | 7,159 |
| Average total loans | $13,577,000 | 7,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 4,061 |
| Cost of funding earning assets | 1.3199% | 1,825 |
| Net interest margin | 3.4901% | 5,205 |
| Noninterest income to average assets | 0.3055% | 5,452 |
| Noninterest expense to average assets | 2.8034% | 4,413 |
| Loan and lease loss provision to assets | 0.1375% | 4,584 |
| Net operating income to assets | 0.6264% | 3,923 |
| Return on assets (ROA) | 0.6264% | 4,051 |
| Pretax return on assets | 0.6569% | 4,547 |
| Return on Equity (ROE) | 6.3198% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.8516% | 4,472 |
| Net charge-offs to loans | 0.3165% | 3,290 |
| Credit loss provision to net charge-offs | 85.7143% | 3,595 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 2,730 |
| Efficiency ratio | 77.9193% | 2,726 |
| Assets per employee ($millions) | 3.8089% | 4,177 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,887 |
| Loan loss allowance to noncurrent loans | 85.4839% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 4,506 |
| Noncurrent loans to loans | 1.8174% | 3,725 |
| Net loans and leases to total assets | 50.3863% | 5,771 |
| Net loans and leases to deposits | 58.1659% | 5,920 |
| Net loans and leases to core deposits | 58.1659% | 6,259 |
| Total domestic deposits to total assets | 86.6252% | 2,971 |
| Equity capital to assets | 9.9242% | 4,248 |
| Core capital (leverage) ratio | 9.2692% | 4,294 |
| Tier 1 risk-based capital ratio | 17.9367% | 2,201 |
| Total risk-based capital ratio | 19.1896% | 2,149 |
| Memoranda: | ||
| Average total assets | $26,182,330 | 7,207 |
| Average earning assets | $24,698,330 | 7,158 |
| Average equity | $2,595,000 | 7,226 |
| Average total loans | $13,269,000 | 7,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 4,372 |
| Cost of funding earning assets | 1.3747% | 1,746 |
| Net interest margin | 3.3550% | 5,594 |
| Noninterest income to average assets | 0.2467% | 5,927 |
| Noninterest expense to average assets | 2.8216% | 4,368 |
| Loan and lease loss provision to assets | 0.1388% | 4,273 |
| Net operating income to assets | 0.4317% | 4,795 |
| Return on assets (ROA) | 0.4317% | 4,880 |
| Pretax return on assets | 0.4471% | 5,197 |
| Return on Equity (ROE) | 4.3588% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.3588% | 3,552 |
| Net charge-offs to loans | 0.6116% | 1,972 |
| Credit loss provision to net charge-offs | 45.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 3,358 |
| Efficiency ratio | 82.8054% | 2,111 |
| Assets per employee ($millions) | 4.3443% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,842 |
| Loan loss allowance to noncurrent loans | 37.9439% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.4361% | 2,789 |
| Noncurrent loans to loans | 4.1528% | 1,731 |
| Net loans and leases to total assets | 48.6457% | 5,997 |
| Net loans and leases to deposits | 56.1857% | 6,110 |
| Net loans and leases to core deposits | 56.1857% | 6,399 |
| Total domestic deposits to total assets | 86.5802% | 3,189 |
| Equity capital to assets | 9.8673% | 3,943 |
| Core capital (leverage) ratio | 9.3695% | 4,016 |
| Tier 1 risk-based capital ratio | 18.5551% | 1,942 |
| Total risk-based capital ratio | 19.8099% | 1,898 |
| Memoranda: | ||
| Average total assets | $25,942,500 | 7,262 |
| Average earning assets | $24,441,000 | 7,214 |
| Average equity | $2,569,500 | 7,277 |
| Average total loans | $13,080,500 | 7,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 3,629 |
| Cost of funding earning assets | 1.6448% | 1,849 |
| Net interest margin | 3.5509% | 5,035 |
| Noninterest income to average assets | 0.3981% | 4,922 |
| Noninterest expense to average assets | 2.9192% | 4,146 |
| Loan and lease loss provision to assets | 0.5629% | 2,876 |
| Net operating income to assets | 0.2184% | 5,221 |
| Return on assets (ROA) | 0.3458% | 4,919 |
| Pretax return on assets | 0.3941% | 4,966 |
| Return on Equity (ROE) | 3.3710% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.9790% | 3,769 |
| Net charge-offs to loans | 0.9366% | 2,311 |
| Credit loss provision to net charge-offs | 113.8211% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.6423% | 4,506 |
| Efficiency ratio | 78.2328% | 2,666 |
| Assets per employee ($millions) | 4.3032% | 3,199 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,532 |
| Loan loss allowance to noncurrent loans | 58.4699% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5338% | 4,014 |
| Noncurrent loans to loans | 2.7564% | 2,763 |
| Net loans and leases to total assets | 50.5984% | 6,097 |
| Net loans and leases to deposits | 58.5541% | 6,206 |
| Net loans and leases to core deposits | 58.5541% | 6,513 |
| Total domestic deposits to total assets | 86.4131% | 3,128 |
| Equity capital to assets | 9.9423% | 3,822 |
| Core capital (leverage) ratio | 9.7292% | 3,400 |
| Tier 1 risk-based capital ratio | 18.2182% | 1,933 |
| Total risk-based capital ratio | 19.4726% | 1,895 |
| Memoranda: | ||
| Average total assets | $24,869,600 | 7,351 |
| Average earning assets | $23,346,400 | 7,310 |
| Average equity | $2,551,200 | 7,385 |
| Average total loans | $13,132,200 | 7,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 3,218 |
| Cost of funding earning assets | 1.6875% | 1,935 |
| Net interest margin | 3.6409% | 4,670 |
| Noninterest income to average assets | 0.3951% | 4,999 |
| Noninterest expense to average assets | 2.9121% | 4,042 |
| Loan and lease loss provision to assets | 0.7091% | 2,153 |
| Net operating income to assets | 0.1756% | 5,574 |
| Return on assets (ROA) | 0.3627% | 5,099 |
| Pretax return on assets | 0.3789% | 5,287 |
| Return on Equity (ROE) | 3.5069% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.9836% | 4,347 |
| Net charge-offs to loans | 1.2218% | 1,678 |
| Credit loss provision to net charge-offs | 109.1667% | 3,895 |
| Earnings coverage of net charge-offs (x) | 1.3749% | 4,704 |
| Efficiency ratio | 76.5292% | 2,853 |
| Assets per employee ($millions) | 4.0090% | 3,813 |
| Cash dividends to net income (ytd only)* | 14.9222% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,921 |
| Loan loss allowance to noncurrent loans | 66.2420% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 4,274 |
| Noncurrent loans to loans | 2.2780% | 3,354 |
| Net loans and leases to total assets | 56.4397% | 5,489 |
| Net loans and leases to deposits | 67.3680% | 5,510 |
| Net loans and leases to core deposits | 67.3680% | 6,005 |
| Total domestic deposits to total assets | 83.7782% | 4,243 |
| Equity capital to assets | 10.8298% | 3,138 |
| Core capital (leverage) ratio | 9.8879% | 3,371 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,228 |
| Total risk-based capital ratio | 18.6040% | 2,186 |
| Memoranda: | ||
| Average total assets | $24,632,250 | 7,452 |
| Average earning assets | $23,070,500 | 7,412 |
| Average equity | $2,547,250 | 7,481 |
| Average total loans | $13,095,750 | 7,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 3,434 |
| Cost of funding earning assets | 1.7034% | 2,104 |
| Net interest margin | 3.6047% | 4,791 |
| Noninterest income to average assets | 0.3625% | 5,245 |
| Noninterest expense to average assets | 2.8922% | 4,107 |
| Loan and lease loss provision to assets | 0.9829% | 1,475 |
| Net operating income to assets | -0.1125% | 6,248 |
| Return on assets (ROA) | 0.0725% | 6,042 |
| Pretax return on assets | 0.0886% | 6,000 |
| Return on Equity (ROE) | 0.7120% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.7120% | 5,479 |
| Net charge-offs to loans | 1.8032% | 1,037 |
| Credit loss provision to net charge-offs | 105.1724% | 3,874 |
| Earnings coverage of net charge-offs (x) | 0.9052% | 4,868 |
| Efficiency ratio | 77.3707% | 2,835 |
| Assets per employee ($millions) | 3.9800% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,399 |
| Loan loss allowance to noncurrent loans | 102.0101% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 5,146 |
| Noncurrent loans to loans | 1.5791% | 4,343 |
| Net loans and leases to total assets | 51.9221% | 6,221 |
| Net loans and leases to deposits | 62.3849% | 6,199 |
| Net loans and leases to core deposits | 62.3849% | 6,520 |
| Total domestic deposits to total assets | 83.2286% | 4,477 |
| Equity capital to assets | 10.7873% | 3,084 |
| Core capital (leverage) ratio | 9.6992% | 3,540 |
| Tier 1 risk-based capital ratio | 18.2668% | 1,879 |
| Total risk-based capital ratio | 19.5215% | 1,852 |
| Memoranda: | ||
| Average total assets | $24,825,000 | 7,504 |
| Average earning assets | $23,247,330 | 7,465 |
| Average equity | $2,528,000 | 7,540 |
| Average total loans | $12,866,330 | 7,407 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 3,813 |
| Cost of funding earning assets | 1.6917% | 2,432 |
| Net interest margin | 3.5525% | 4,939 |
| Noninterest income to average assets | 0.3162% | 5,617 |
| Noninterest expense to average assets | 2.9094% | 4,024 |
| Loan and lease loss provision to assets | 1.7077% | 665 |
| Net operating income to assets | -0.9961% | 7,103 |
| Return on assets (ROA) | -0.6008% | 6,930 |
| Pretax return on assets | -0.5850% | 6,841 |
| Return on Equity (ROE) | -6.0703% | 6,945 |
| Retained earnings to average equity (ytd only) | -6.0703% | 6,667 |
| Net charge-offs to loans | 3.2311% | 459 |
| Credit loss provision to net charge-offs | 102.8571% | 3,319 |
| Earnings coverage of net charge-offs (x) | 0.4381% | 4,640 |
| Efficiency ratio | 80.0000% | 2,563 |
| Assets per employee ($millions) | 4.0627% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,552 |
| Loan loss allowance to noncurrent loans | 86.2069% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 4,868 |
| Noncurrent loans to loans | 1.8269% | 4,024 |
| Net loans and leases to total assets | 51.2758% | 6,345 |
| Net loans and leases to deposits | 60.8076% | 6,381 |
| Net loans and leases to core deposits | 60.8076% | 6,684 |
| Total domestic deposits to total assets | 84.3247% | 3,984 |
| Equity capital to assets | 10.1247% | 3,712 |
| Core capital (leverage) ratio | 8.9426% | 4,662 |
| Tier 1 risk-based capital ratio | 17.8311% | 1,991 |
| Total risk-based capital ratio | 19.0887% | 1,959 |
| Memoranda: | ||
| Average total assets | $25,297,500 | 7,582 |
| Average earning assets | $23,645,500 | 7,545 |
| Average equity | $2,504,000 | 7,629 |
| Average total loans | $12,998,500 | 7,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 2,814 |
| Cost of funding earning assets | 2.0230% | 2,855 |
| Net interest margin | 3.7384% | 3,959 |
| Noninterest income to average assets | 0.3536% | 5,572 |
| Noninterest expense to average assets | 2.7294% | 5,251 |
| Loan and lease loss provision to assets | 0.7668% | 2,811 |
| Net operating income to assets | 0.3496% | 4,320 |
| Return on assets (ROA) | 0.3496% | 4,417 |
| Pretax return on assets | 0.3814% | 4,549 |
| Return on Equity (ROE) | 3.6199% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.0440% | 3,030 |
| Net charge-offs to loans | 1.5960% | 1,578 |
| Credit loss provision to net charge-offs | 89.3519% | 6,020 |
| Earnings coverage of net charge-offs (x) | 1.3380% | 4,795 |
| Efficiency ratio | 70.3893% | 4,538 |
| Assets per employee ($millions) | 4.3698% | 3,164 |
| Cash dividends to net income (ytd only)* | 15.9091% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,826 |
| Loan loss allowance to noncurrent loans | 51.7060% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 3,918 |
| Noncurrent loans to loans | 2.8651% | 2,691 |
| Net loans and leases to total assets | 49.9676% | 6,645 |
| Net loans and leases to deposits | 57.7137% | 6,802 |
| Net loans and leases to core deposits | 65.3416% | 7,014 |
| Total domestic deposits to total assets | 86.5784% | 2,717 |
| Equity capital to assets | 9.6876% | 4,156 |
| Core capital (leverage) ratio | 9.2965% | 3,982 |
| Tier 1 risk-based capital ratio | 16.4924% | 2,322 |
| Total risk-based capital ratio | 17.7426% | 2,269 |
| Memoranda: | ||
| Average total assets | $25,170,600 | 7,635 |
| Average earning assets | $23,727,000 | 7,593 |
| Average equity | $2,431,000 | 7,748 |
| Average total loans | $13,534,200 | 7,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 2,600 |
| Cost of funding earning assets | 2.0875% | 2,944 |
| Net interest margin | 3.7789% | 3,743 |
| Noninterest income to average assets | 0.3694% | 5,558 |
| Noninterest expense to average assets | 2.7781% | 4,986 |
| Loan and lease loss provision to assets | 0.6049% | 2,970 |
| Net operating income to assets | 0.2944% | 4,808 |
| Return on assets (ROA) | 0.2944% | 4,920 |
| Pretax return on assets | 0.5621% | 4,325 |
| Return on Equity (ROE) | 3.0507% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.2744% | 4,060 |
| Net charge-offs to loans | 1.1476% | 1,761 |
| Credit loss provision to net charge-offs | 96.5812% | 5,284 |
| Earnings coverage of net charge-offs (x) | 1.8632% | 4,413 |
| Efficiency ratio | 70.4206% | 4,506 |
| Assets per employee ($millions) | 4.1430% | 3,477 |
| Cash dividends to net income (ytd only)* | 25.4602% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,165 |
| Loan loss allowance to noncurrent loans | 34.5600% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6953% | 2,588 |
| Noncurrent loans to loans | 4.5065% | 1,551 |
| Net loans and leases to total assets | 54.9240% | 6,276 |
| Net loans and leases to deposits | 66.6813% | 6,242 |
| Net loans and leases to core deposits | 75.7154% | 6,635 |
| Total domestic deposits to total assets | 82.3678% | 4,512 |
| Equity capital to assets | 9.9043% | 4,209 |
| Core capital (leverage) ratio | 9.2610% | 4,248 |
| Tier 1 risk-based capital ratio | 15.8726% | 2,677 |
| Total risk-based capital ratio | 17.1275% | 2,604 |
| Memoranda: | ||
| Average total assets | $24,908,500 | 7,713 |
| Average earning assets | $23,568,750 | 7,671 |
| Average equity | $2,403,750 | 7,827 |
| Average total loans | $13,593,250 | 7,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 2,518 |
| Cost of funding earning assets | 2.1469% | 3,059 |
| Net interest margin | 3.7677% | 3,691 |
| Noninterest income to average assets | 0.3531% | 5,675 |
| Noninterest expense to average assets | 2.8485% | 4,748 |
| Loan and lease loss provision to assets | 0.3852% | 3,610 |
| Net operating income to assets | 0.4172% | 4,436 |
| Return on assets (ROA) | 0.4172% | 4,547 |
| Pretax return on assets | 0.6820% | 4,057 |
| Return on Equity (ROE) | 4.3618% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.5230% | 3,346 |
| Net charge-offs to loans | 1.6295% | 1,162 |
| Credit loss provision to net charge-offs | 43.6364% | 5,850 |
| Earnings coverage of net charge-offs (x) | 1.2091% | 4,626 |
| Efficiency ratio | 72.7459% | 4,260 |
| Assets per employee ($millions) | 4.1702% | 3,350 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,320 |
| Loan loss allowance to noncurrent loans | 32.5103% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 2.1262% | 3,023 |
| Noncurrent loans to loans | 3.5141% | 1,992 |
| Net loans and leases to total assets | 54.6421% | 6,364 |
| Net loans and leases to deposits | 64.1968% | 6,543 |
| Net loans and leases to core deposits | 73.0576% | 6,839 |
| Total domestic deposits to total assets | 85.1165% | 3,208 |
| Equity capital to assets | 9.5839% | 4,506 |
| Core capital (leverage) ratio | 9.1592% | 4,365 |
| Tier 1 risk-based capital ratio | 16.0849% | 2,597 |
| Total risk-based capital ratio | 17.1879% | 2,588 |
| Memoranda: | ||
| Average total assets | $24,925,330 | 7,788 |
| Average earning assets | $23,568,670 | 7,741 |
| Average equity | $2,384,330 | 7,911 |
| Average total loans | $13,501,330 | 7,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0606% | 2,105 |
| Cost of funding earning assets | 2.2877% | 2,754 |
| Net interest margin | 3.7729% | 3,575 |
| Noninterest income to average assets | 0.3377% | 5,757 |
| Noninterest expense to average assets | 2.7656% | 4,719 |
| Loan and lease loss provision to assets | 0.5306% | 2,346 |
| Net operating income to assets | 0.3216% | 5,208 |
| Return on assets (ROA) | 0.3216% | 5,379 |
| Pretax return on assets | 0.5949% | 4,771 |
| Return on Equity (ROE) | 3.3649% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.3649% | 4,012 |
| Net charge-offs to loans | 3.2391% | 388 |
| Credit loss provision to net charge-offs | 30.5556% | 4,943 |
| Earnings coverage of net charge-offs (x) | 0.6481% | 4,477 |
| Efficiency ratio | 71.0744% | 4,354 |
| Assets per employee ($millions) | 4.2330% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,690 |
| Loan loss allowance to noncurrent loans | 36.1596% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 3,286 |
| Noncurrent loans to loans | 2.9583% | 2,210 |
| Net loans and leases to total assets | 52.7994% | 6,605 |
| Net loans and leases to deposits | 61.3169% | 6,782 |
| Net loans and leases to core deposits | 69.4855% | 7,054 |
| Total domestic deposits to total assets | 86.1091% | 2,654 |
| Equity capital to assets | 9.4692% | 4,708 |
| Core capital (leverage) ratio | 9.3091% | 4,233 |
| Tier 1 risk-based capital ratio | 15.7822% | 2,760 |
| Total risk-based capital ratio | 16.7854% | 2,772 |
| Memoranda: | ||
| Average total assets | $24,877,500 | 7,837 |
| Average earning assets | $23,430,000 | 7,789 |
| Average equity | $2,377,500 | 7,961 |
| Average total loans | $13,337,000 | 7,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8485% | 1,534 |
| Cost of funding earning assets | 2.8490% | 2,481 |
| Net interest margin | 3.9994% | 3,112 |
| Noninterest income to average assets | 0.4460% | 5,069 |
| Noninterest expense to average assets | 2.9184% | 4,386 |
| Loan and lease loss provision to assets | 0.1487% | 5,456 |
| Net operating income to assets | 0.8963% | 3,010 |
| Return on assets (ROA) | 0.8963% | 2,854 |
| Pretax return on assets | 1.1597% | 2,811 |
| Return on Equity (ROE) | 9.4670% | 2,449 |
| Retained earnings to average equity (ytd only) | 4.7111% | 2,197 |
| Net charge-offs to loans | 0.2665% | 3,623 |
| Credit loss provision to net charge-offs | 97.2222% | 5,472 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,865 |
| Efficiency ratio | 69.0452% | 4,522 |
| Assets per employee ($millions) | 3.4796% | 4,728 |
| Cash dividends to net income (ytd only)* | 50.2370% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,974 |
| Loan loss allowance to noncurrent loans | 177.4194% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,138 |
| Noncurrent loans to loans | 0.9452% | 4,717 |
| Net loans and leases to total assets | 52.9581% | 6,753 |
| Net loans and leases to deposits | 62.0144% | 6,940 |
| Net loans and leases to core deposits | 71.1708% | 7,124 |
| Total domestic deposits to total assets | 85.3964% | 2,668 |
| Equity capital to assets | 9.6482% | 4,489 |
| Core capital (leverage) ratio | 9.7545% | 3,710 |
| Tier 1 risk-based capital ratio | 16.0537% | 2,646 |
| Total risk-based capital ratio | 17.3104% | 2,587 |
| Memoranda: | ||
| Average total assets | $23,540,400 | 7,890 |
| Average earning assets | $22,253,200 | 7,853 |
| Average equity | $2,228,800 | 8,067 |
| Average total loans | $13,510,000 | 7,735 |