Home > Town & Country Bank of Missouri > Performance and Condition Ratios
Town & Country Bank of Missouri, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 797 |
| Cost of funding earning assets | 0.4286% | 4,826 |
| Net interest margin | 4.6362% | 535 |
| Noninterest income to average assets | 0.3569% | 4,813 |
| Noninterest expense to average assets | 2.2192% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8313% | 455 |
| Return on assets (ROA) | 1.8313% | 504 |
| Pretax return on assets | 1.8313% | 838 |
| Return on Equity (ROE) | 16.3577% | 570 |
| Retained earnings to average equity (ytd only) | 16.3577% | 256 |
| Net charge-offs to loans | 0.0710% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 800 |
| Efficiency ratio | 54.7893% | 6,174 |
| Assets per employee ($millions) | 4.4350% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 2,620 |
| Loan loss allowance to noncurrent loans | 97.1246% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 3,160 |
| Noncurrent loans to loans | 1.8529% | 2,795 |
| Net loans and leases to total assets | 62.3375% | 2,992 |
| Net loans and leases to deposits | 70.1692% | 3,454 |
| Net loans and leases to core deposits | 71.8437% | 3,838 |
| Total domestic deposits to total assets | 88.8388% | 1,774 |
| Equity capital to assets | 11.0635% | 2,885 |
| Core capital (leverage) ratio | 11.4205% | 1,927 |
| Tier 1 risk-based capital ratio | 15.5743% | 3,488 |
| Total risk-based capital ratio | 16.8311% | 3,447 |
| Memoranda: | ||
| Average total assets | $25,774,500 | 6,802 |
| Average earning assets | $20,534,000 | 6,840 |
| Average equity | $2,885,500 | 6,747 |
| Average total loans | $16,906,500 | 6,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 1,113 |
| Cost of funding earning assets | 0.5761% | 4,577 |
| Net interest margin | 4.6239% | 751 |
| Noninterest income to average assets | 0.3887% | 4,693 |
| Noninterest expense to average assets | 2.9473% | 3,478 |
| Loan and lease loss provision to assets | 0.6347% | 848 |
| Net operating income to assets | 0.5315% | 4,558 |
| Return on assets (ROA) | 0.5315% | 4,825 |
| Pretax return on assets | 0.5315% | 5,193 |
| Return on Equity (ROE) | 4.7646% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.7646% | 2,872 |
| Net charge-offs to loans | 0.4655% | 2,374 |
| Credit loss provision to net charge-offs | 202.5316% | 1,272 |
| Earnings coverage of net charge-offs (x) | 3.7215% | 3,624 |
| Efficiency ratio | 71.6490% | 3,485 |
| Assets per employee ($millions) | 3.5627% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 2,546 |
| Loan loss allowance to noncurrent loans | 169.6133% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 4,078 |
| Noncurrent loans to loans | 1.0697% | 4,060 |
| Net loans and leases to total assets | 66.6185% | 2,432 |
| Net loans and leases to deposits | 75.2582% | 2,911 |
| Net loans and leases to core deposits | 77.1847% | 3,374 |
| Total domestic deposits to total assets | 88.5200% | 1,892 |
| Equity capital to assets | 11.3357% | 2,597 |
| Core capital (leverage) ratio | 11.1155% | 2,153 |
| Tier 1 risk-based capital ratio | 14.1825% | 4,254 |
| Total risk-based capital ratio | 15.4367% | 4,213 |
| Memoranda: | ||
| Average total assets | $25,209,400 | 6,866 |
| Average earning assets | $20,307,400 | 6,900 |
| Average equity | $2,812,400 | 6,819 |
| Average total loans | $16,971,200 | 6,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 1,259 |
| Cost of funding earning assets | 0.5926% | 4,724 |
| Net interest margin | 4.5763% | 855 |
| Noninterest income to average assets | 0.3798% | 4,786 |
| Noninterest expense to average assets | 2.5108% | 5,045 |
| Loan and lease loss provision to assets | 0.3165% | 2,087 |
| Net operating income to assets | 1.2185% | 1,673 |
| Return on assets (ROA) | 1.2185% | 1,848 |
| Pretax return on assets | 1.2185% | 2,921 |
| Return on Equity (ROE) | 10.9654% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.9654% | 690 |
| Net charge-offs to loans | -0.0785% | 6,805 |
| Credit loss provision to net charge-offs | -600.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0600% | 5,139 |
| Assets per employee ($millions) | 3.6397% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 2,986 |
| Loan loss allowance to noncurrent loans | 82.9132% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 3,503 |
| Noncurrent loans to loans | 2.1011% | 2,735 |
| Net loans and leases to total assets | 65.5271% | 2,733 |
| Net loans and leases to deposits | 74.1209% | 3,264 |
| Net loans and leases to core deposits | 75.9762% | 3,732 |
| Total domestic deposits to total assets | 88.4057% | 1,786 |
| Equity capital to assets | 11.4766% | 2,771 |
| Core capital (leverage) ratio | 11.4545% | 2,020 |
| Tier 1 risk-based capital ratio | 14.5676% | 4,138 |
| Total risk-based capital ratio | 15.8181% | 4,108 |
| Memoranda: | ||
| Average total assets | $25,277,000 | 6,948 |
| Average earning assets | $20,248,750 | 6,989 |
| Average equity | $2,808,750 | 6,907 |
| Average total loans | $16,983,750 | 6,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 1,244 |
| Cost of funding earning assets | 0.6168% | 4,746 |
| Net interest margin | 4.5863% | 856 |
| Noninterest income to average assets | 0.3967% | 4,680 |
| Noninterest expense to average assets | 2.4514% | 5,291 |
| Loan and lease loss provision to assets | 0.3570% | 1,851 |
| Net operating income to assets | 1.2455% | 1,573 |
| Return on assets (ROA) | 1.2455% | 1,751 |
| Pretax return on assets | 1.2455% | 2,744 |
| Return on Equity (ROE) | 11.3344% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.3344% | 683 |
| Net charge-offs to loans | -0.2356% | 7,035 |
| Credit loss provision to net charge-offs | -225.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4697% | 5,505 |
| Assets per employee ($millions) | 3.5757% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 3,163 |
| Loan loss allowance to noncurrent loans | 81.5126% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 3,579 |
| Noncurrent loans to loans | 2.1030% | 2,818 |
| Net loans and leases to total assets | 66.6600% | 2,536 |
| Net loans and leases to deposits | 75.3579% | 3,069 |
| Net loans and leases to core deposits | 77.2776% | 3,619 |
| Total domestic deposits to total assets | 88.4579% | 1,850 |
| Equity capital to assets | 11.3744% | 2,713 |
| Core capital (leverage) ratio | 11.2833% | 2,058 |
| Tier 1 risk-based capital ratio | 14.2607% | 4,261 |
| Total risk-based capital ratio | 15.5129% | 4,222 |
| Memoranda: | ||
| Average total assets | $25,210,000 | 7,005 |
| Average earning assets | $20,103,330 | 7,048 |
| Average equity | $2,770,330 | 6,957 |
| Average total loans | $16,981,330 | 6,692 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 1,603 |
| Cost of funding earning assets | 0.6760% | 4,500 |
| Net interest margin | 4.4142% | 1,193 |
| Noninterest income to average assets | 0.3794% | 4,828 |
| Noninterest expense to average assets | 2.4664% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4229% | 1,177 |
| Return on assets (ROA) | 1.4229% | 1,320 |
| Pretax return on assets | 1.4229% | 2,110 |
| Return on Equity (ROE) | 13.1772% | 1,362 |
| Retained earnings to average equity (ytd only) | 13.1772% | 660 |
| Net charge-offs to loans | -0.4475% | 7,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4146% | 5,032 |
| Assets per employee ($millions) | 3.6174% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,344 |
| Loan loss allowance to noncurrent loans | 68.0556% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 3,734 |
| Noncurrent loans to loans | 2.1434% | 2,978 |
| Net loans and leases to total assets | 65.3621% | 2,587 |
| Net loans and leases to deposits | 73.6058% | 3,177 |
| Net loans and leases to core deposits | 75.4479% | 3,695 |
| Total domestic deposits to total assets | 88.8003% | 1,820 |
| Equity capital to assets | 10.9589% | 2,956 |
| Core capital (leverage) ratio | 10.8930% | 2,350 |
| Tier 1 risk-based capital ratio | 13.9482% | 4,507 |
| Total risk-based capital ratio | 15.1797% | 4,490 |
| Memoranda: | ||
| Average total assets | $25,300,000 | 7,068 |
| Average earning assets | $20,117,000 | 7,111 |
| Average equity | $2,732,000 | 7,017 |
| Average total loans | $16,984,000 | 6,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 1,016 |
| Cost of funding earning assets | 0.9307% | 3,869 |
| Net interest margin | 4.6389% | 853 |
| Noninterest income to average assets | 0.8357% | 1,905 |
| Noninterest expense to average assets | 3.9552% | 1,106 |
| Loan and lease loss provision to assets | 0.2349% | 3,853 |
| Net operating income to assets | 0.2734% | 5,357 |
| Return on assets (ROA) | 0.2734% | 5,508 |
| Pretax return on assets | 0.2734% | 5,628 |
| Return on Equity (ROE) | 2.7002% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.7002% | 4,312 |
| Net charge-offs to loans | 0.5171% | 2,920 |
| Credit loss provision to net charge-offs | 65.5914% | 5,004 |
| Earnings coverage of net charge-offs (x) | 1.4194% | 4,708 |
| Efficiency ratio | 88.6109% | 1,307 |
| Assets per employee ($millions) | 3.6111% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,829 |
| Loan loss allowance to noncurrent loans | 70.1863% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 4,096 |
| Noncurrent loans to loans | 1.8751% | 3,374 |
| Net loans and leases to total assets | 67.0385% | 2,579 |
| Net loans and leases to deposits | 75.1053% | 3,328 |
| Net loans and leases to core deposits | 76.9748% | 3,830 |
| Total domestic deposits to total assets | 89.2594% | 1,391 |
| Equity capital to assets | 10.6377% | 3,380 |
| Core capital (leverage) ratio | 10.3578% | 2,898 |
| Tier 1 risk-based capital ratio | 12.9099% | 5,148 |
| Total risk-based capital ratio | 13.9949% | 5,252 |
| Memoranda: | ||
| Average total assets | $25,965,600 | 7,072 |
| Average earning assets | $20,306,400 | 7,137 |
| Average equity | $2,629,400 | 7,086 |
| Average total loans | $17,986,400 | 6,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 1,020 |
| Cost of funding earning assets | 0.9781% | 3,831 |
| Net interest margin | 4.6281% | 900 |
| Noninterest income to average assets | 0.7754% | 2,166 |
| Noninterest expense to average assets | 4.2288% | 774 |
| Loan and lease loss provision to assets | 0.2499% | 3,506 |
| Net operating income to assets | -0.1071% | 6,292 |
| Return on assets (ROA) | -0.1071% | 6,373 |
| Pretax return on assets | -0.1071% | 6,339 |
| Return on Equity (ROE) | -1.0710% | 6,391 |
| Retained earnings to average equity (ytd only) | -1.0710% | 6,168 |
| Net charge-offs to loans | 0.5717% | 2,530 |
| Credit loss provision to net charge-offs | 62.8205% | 4,712 |
| Earnings coverage of net charge-offs (x) | 0.3589% | 5,341 |
| Efficiency ratio | 96.7328% | 781 |
| Assets per employee ($millions) | 3.6857% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 5,065 |
| Loan loss allowance to noncurrent loans | 104.0909% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 5,048 |
| Noncurrent loans to loans | 1.2365% | 4,474 |
| Net loans and leases to total assets | 68.0736% | 2,482 |
| Net loans and leases to deposits | 75.7744% | 3,362 |
| Net loans and leases to core deposits | 77.6094% | 3,965 |
| Total domestic deposits to total assets | 89.8372% | 957 |
| Equity capital to assets | 10.0698% | 4,251 |
| Core capital (leverage) ratio | 9.6336% | 3,942 |
| Tier 1 risk-based capital ratio | 12.5647% | 5,437 |
| Total risk-based capital ratio | 13.6722% | 5,548 |
| Memoranda: | ||
| Average total assets | $26,137,500 | 7,139 |
| Average earning assets | $20,310,250 | 7,210 |
| Average equity | $2,614,500 | 7,160 |
| Average total loans | $18,190,000 | 6,812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 955 |
| Cost of funding earning assets | 1.0077% | 3,903 |
| Net interest margin | 4.6472% | 824 |
| Noninterest income to average assets | 0.4267% | 4,455 |
| Noninterest expense to average assets | 4.5410% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4952% | 6,686 |
| Return on assets (ROA) | -0.4952% | 6,710 |
| Pretax return on assets | -0.4952% | 6,652 |
| Return on Equity (ROE) | -4.9618% | 6,713 |
| Retained earnings to average equity (ytd only) | -4.9618% | 6,565 |
| Net charge-offs to loans | 0.3165% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.2414% | 5,725 |
| Efficiency ratio | 112.2411% | 438 |
| Assets per employee ($millions) | 3.8861% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,335 |
| Loan loss allowance to noncurrent loans | 100.4386% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 5,204 |
| Noncurrent loans to loans | 1.2405% | 4,586 |
| Net loans and leases to total assets | 66.7243% | 2,880 |
| Net loans and leases to deposits | 73.9559% | 3,815 |
| Net loans and leases to core deposits | 75.6386% | 4,365 |
| Total domestic deposits to total assets | 90.2217% | 851 |
| Equity capital to assets | 9.3887% | 4,997 |
| Core capital (leverage) ratio | 9.7593% | 3,579 |
| Tier 1 risk-based capital ratio | 11.8973% | 5,864 |
| Total risk-based capital ratio | 12.9641% | 6,007 |
| Memoranda: | ||
| Average total assets | $26,250,000 | 7,202 |
| Average earning assets | $20,442,330 | 7,283 |
| Average equity | $2,620,000 | 7,220 |
| Average total loans | $18,322,670 | 6,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 711 |
| Cost of funding earning assets | 1.0779% | 3,668 |
| Net interest margin | 4.7425% | 648 |
| Noninterest income to average assets | 0.3570% | 5,047 |
| Noninterest expense to average assets | 2.9953% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1174% | 1,775 |
| Return on assets (ROA) | 1.1174% | 1,827 |
| Pretax return on assets | 1.1174% | 2,689 |
| Return on Equity (ROE) | 10.8556% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.8556% | 928 |
| Net charge-offs to loans | -0.0219% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8302% | 3,711 |
| Assets per employee ($millions) | 3.5769% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 4,462 |
| Loan loss allowance to noncurrent loans | 131.4721% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 5,335 |
| Noncurrent loans to loans | 1.0988% | 4,865 |
| Net loans and leases to total assets | 70.5727% | 2,015 |
| Net loans and leases to deposits | 79.4050% | 2,827 |
| Net loans and leases to core deposits | 81.4023% | 3,539 |
| Total domestic deposits to total assets | 88.8769% | 1,856 |
| Equity capital to assets | 10.7357% | 2,946 |
| Core capital (leverage) ratio | 10.7947% | 2,358 |
| Tier 1 risk-based capital ratio | 13.0879% | 4,758 |
| Total risk-based capital ratio | 14.3490% | 4,725 |
| Memoranda: | ||
| Average total assets | $25,773,500 | 7,270 |
| Average earning assets | $20,411,000 | 7,335 |
| Average equity | $2,653,000 | 7,255 |
| Average total loans | $18,294,000 | 6,925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 1,461 |
| Cost of funding earning assets | 1.3152% | 3,785 |
| Net interest margin | 4.4163% | 1,425 |
| Noninterest income to average assets | 0.7235% | 2,688 |
| Noninterest expense to average assets | 2.9323% | 4,099 |
| Loan and lease loss provision to assets | 0.4862% | 3,232 |
| Net operating income to assets | 0.9685% | 2,136 |
| Return on assets (ROA) | 0.9685% | 2,258 |
| Pretax return on assets | 0.9685% | 3,034 |
| Return on Equity (ROE) | 10.2687% | 1,827 |
| Retained earnings to average equity (ytd only) | 8.2393% | 905 |
| Net charge-offs to loans | 0.3883% | 4,097 |
| Credit loss provision to net charge-offs | 167.1053% | 2,037 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,741 |
| Efficiency ratio | 66.8412% | 4,789 |
| Assets per employee ($millions) | 3.7870% | 4,289 |
| Cash dividends to net income (ytd only)* | 19.7628% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 4,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.4142% | 2,684 |
| Net loans and leases to deposits | 80.7841% | 3,028 |
| Net loans and leases to core deposits | 85.1189% | 3,452 |
| Total domestic deposits to total assets | 85.9255% | 3,401 |
| Equity capital to assets | 9.8759% | 3,903 |
| Core capital (leverage) ratio | 9.9246% | 3,169 |
| Tier 1 risk-based capital ratio | 12.1683% | 5,317 |
| Total risk-based capital ratio | 13.3674% | 5,350 |
| Memoranda: | ||
| Average total assets | $26,122,600 | 7,316 |
| Average earning assets | $21,669,600 | 7,361 |
| Average equity | $2,463,800 | 7,401 |
| Average total loans | $19,570,200 | 6,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 1,941 |
| Cost of funding earning assets | 1.3210% | 4,107 |
| Net interest margin | 4.3101% | 1,819 |
| Noninterest income to average assets | 0.4764% | 4,361 |
| Noninterest expense to average assets | 2.7562% | 4,655 |
| Loan and lease loss provision to assets | 0.6506% | 2,351 |
| Net operating income to assets | 0.6916% | 3,454 |
| Return on assets (ROA) | 0.6916% | 3,612 |
| Pretax return on assets | 0.6967% | 4,240 |
| Return on Equity (ROE) | 7.4219% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.6729% | 3,211 |
| Net charge-offs to loans | 0.5051% | 3,264 |
| Credit loss provision to net charge-offs | 169.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 3.5066% | 3,415 |
| Efficiency ratio | 67.1660% | 4,628 |
| Assets per employee ($millions) | 3.7029% | 4,501 |
| Cash dividends to net income (ytd only)* | 37.0389% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,778 |
| Loan loss allowance to noncurrent loans | 79.1277% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 4,675 |
| Noncurrent loans to loans | 1.6866% | 4,111 |
| Net loans and leases to total assets | 72.4460% | 2,150 |
| Net loans and leases to deposits | 84.4638% | 2,627 |
| Net loans and leases to core deposits | 88.0687% | 3,361 |
| Total domestic deposits to total assets | 85.7716% | 3,205 |
| Equity capital to assets | 9.6605% | 4,601 |
| Core capital (leverage) ratio | 9.5278% | 3,861 |
| Tier 1 risk-based capital ratio | 11.5711% | 5,860 |
| Total risk-based capital ratio | 12.7486% | 5,923 |
| Memoranda: | ||
| Average total assets | $26,026,000 | 7,412 |
| Average earning assets | $21,901,750 | 7,447 |
| Average equity | $2,425,250 | 7,512 |
| Average total loans | $19,798,000 | 7,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 2,116 |
| Cost of funding earning assets | 1.4650% | 3,460 |
| Net interest margin | 4.1418% | 2,370 |
| Noninterest income to average assets | 0.5065% | 4,061 |
| Noninterest expense to average assets | 2.8548% | 4,245 |
| Loan and lease loss provision to assets | 0.9746% | 1,488 |
| Net operating income to assets | 0.1995% | 5,563 |
| Return on assets (ROA) | 0.1995% | 5,695 |
| Pretax return on assets | 0.1919% | 5,785 |
| Return on Equity (ROE) | 2.1676% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.1676% | 4,765 |
| Net charge-offs to loans | 0.7480% | 2,368 |
| Credit loss provision to net charge-offs | 169.3333% | 2,314 |
| Earnings coverage of net charge-offs (x) | 2.0267% | 4,012 |
| Efficiency ratio | 70.9924% | 3,986 |
| Assets per employee ($millions) | 3.6876% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,838 |
| Loan loss allowance to noncurrent loans | 31.6708% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 3.1070% | 2,280 |
| Noncurrent loans to loans | 4.1460% | 1,804 |
| Net loans and leases to total assets | 73.9550% | 1,919 |
| Net loans and leases to deposits | 86.0375% | 2,501 |
| Net loans and leases to core deposits | 89.6539% | 3,324 |
| Total domestic deposits to total assets | 85.9567% | 3,118 |
| Equity capital to assets | 9.4720% | 4,745 |
| Core capital (leverage) ratio | 9.4191% | 3,933 |
| Tier 1 risk-based capital ratio | 11.1830% | 6,057 |
| Total risk-based capital ratio | 12.3486% | 6,124 |
| Memoranda: | ||
| Average total assets | $26,061,330 | 7,470 |
| Average earning assets | $22,116,000 | 7,502 |
| Average equity | $2,399,000 | 7,572 |
| Average total loans | $20,053,330 | 7,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5600% | 2,325 |
| Cost of funding earning assets | 1.4969% | 3,580 |
| Net interest margin | 4.0631% | 2,597 |
| Noninterest income to average assets | 0.3208% | 5,582 |
| Noninterest expense to average assets | 3.1621% | 3,006 |
| Loan and lease loss provision to assets | 1.8484% | 608 |
| Net operating income to assets | -1.2068% | 7,218 |
| Return on assets (ROA) | -1.2068% | 7,239 |
| Pretax return on assets | -1.2068% | 7,149 |
| Return on Equity (ROE) | -13.2997% | 7,268 |
| Retained earnings to average equity (ytd only) | -13.2997% | 7,139 |
| Net charge-offs to loans | 1.4308% | 1,210 |
| Credit loss provision to net charge-offs | 165.7534% | 2,199 |
| Earnings coverage of net charge-offs (x) | 0.5753% | 4,517 |
| Efficiency ratio | 83.1325% | 2,127 |
| Assets per employee ($millions) | 3.6829% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 5,128 |
| Loan loss allowance to noncurrent loans | 65.1042% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4895% | 4,275 |
| Noncurrent loans to loans | 1.9422% | 3,869 |
| Net loans and leases to total assets | 75.7215% | 1,603 |
| Net loans and leases to deposits | 87.6797% | 2,285 |
| Net loans and leases to core deposits | 92.6088% | 3,024 |
| Total domestic deposits to total assets | 86.3615% | 2,954 |
| Equity capital to assets | 9.0303% | 5,233 |
| Core capital (leverage) ratio | 8.7429% | 4,948 |
| Tier 1 risk-based capital ratio | 10.5411% | 6,597 |
| Total risk-based capital ratio | 11.6711% | 6,700 |
| Memoranda: | ||
| Average total assets | $26,185,500 | 7,558 |
| Average earning assets | $22,446,000 | 7,587 |
| Average equity | $2,376,000 | 7,671 |
| Average total loans | $20,408,000 | 7,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 1,304 |
| Cost of funding earning assets | 1.9493% | 3,216 |
| Net interest margin | 4.2265% | 1,984 |
| Noninterest income to average assets | 0.5017% | 4,391 |
| Noninterest expense to average assets | 2.8850% | 4,591 |
| Loan and lease loss provision to assets | 0.2430% | 5,440 |
| Net operating income to assets | 0.9525% | 1,997 |
| Return on assets (ROA) | 0.9525% | 2,052 |
| Pretax return on assets | 0.9604% | 2,726 |
| Return on Equity (ROE) | 10.1708% | 1,643 |
| Retained earnings to average equity (ytd only) | 4.9389% | 1,853 |
| Net charge-offs to loans | 0.3149% | 4,667 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.9516% | 2,743 |
| Efficiency ratio | 70.5657% | 4,513 |
| Assets per employee ($millions) | 3.7987% | 4,288 |
| Cash dividends to net income (ytd only)* | 51.4403% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,580 |
| Loan loss allowance to noncurrent loans | 51.9280% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 4,208 |
| Noncurrent loans to loans | 1.8484% | 3,865 |
| Net loans and leases to total assets | 78.3837% | 1,304 |
| Net loans and leases to deposits | 98.7258% | 1,033 |
| Net loans and leases to core deposits | 126.5052% | 1,473 |
| Total domestic deposits to total assets | 79.3953% | 5,875 |
| Equity capital to assets | 9.1159% | 4,963 |
| Core capital (leverage) ratio | 9.3107% | 3,958 |
| Tier 1 risk-based capital ratio | 10.3574% | 6,532 |
| Total risk-based capital ratio | 11.2252% | 6,868 |
| Memoranda: | ||
| Average total assets | $25,511,000 | 7,628 |
| Average earning assets | $21,649,200 | 7,659 |
| Average equity | $2,389,200 | 7,753 |
| Average total loans | $19,691,400 | 7,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1883% | 1,403 |
| Cost of funding earning assets | 2.0398% | 3,163 |
| Net interest margin | 4.1485% | 2,219 |
| Noninterest income to average assets | 0.5863% | 3,805 |
| Noninterest expense to average assets | 2.6200% | 5,644 |
| Loan and lease loss provision to assets | 0.2799% | 4,736 |
| Net operating income to assets | 1.1832% | 1,504 |
| Return on assets (ROA) | 1.1832% | 1,556 |
| Pretax return on assets | 1.1885% | 2,303 |
| Return on Equity (ROE) | 12.5461% | 1,224 |
| Retained earnings to average equity (ytd only) | 5.5451% | 2,178 |
| Net charge-offs to loans | 0.3514% | 3,883 |
| Credit loss provision to net charge-offs | 103.9216% | 4,891 |
| Earnings coverage of net charge-offs (x) | 5.4509% | 2,820 |
| Efficiency ratio | 64.0827% | 5,733 |
| Assets per employee ($millions) | 3.5640% | 4,777 |
| Cash dividends to net income (ytd only)* | 55.8026% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 6,429 |
| Loan loss allowance to noncurrent loans | 46.5854% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6434% | 3,896 |
| Noncurrent loans to loans | 2.0868% | 3,517 |
| Net loans and leases to total assets | 77.9862% | 1,576 |
| Net loans and leases to deposits | 90.0741% | 2,568 |
| Net loans and leases to core deposits | 114.5886% | 2,771 |
| Total domestic deposits to total assets | 86.5801% | 2,387 |
| Equity capital to assets | 9.6641% | 4,542 |
| Core capital (leverage) ratio | 9.3213% | 4,155 |
| Tier 1 risk-based capital ratio | 11.0149% | 5,939 |
| Total risk-based capital ratio | 11.8948% | 6,284 |
| Memoranda: | ||
| Average total assets | $25,241,000 | 7,706 |
| Average earning assets | $21,308,500 | 7,740 |
| Average equity | $2,380,500 | 7,830 |
| Average total loans | $19,353,000 | 7,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0761% | 1,874 |
| Cost of funding earning assets | 2.1323% | 3,121 |
| Net interest margin | 3.9438% | 2,915 |
| Noninterest income to average assets | 0.5683% | 3,909 |
| Noninterest expense to average assets | 2.5889% | 5,783 |
| Loan and lease loss provision to assets | 0.3947% | 3,550 |
| Net operating income to assets | 0.8761% | 2,557 |
| Return on assets (ROA) | 0.8761% | 2,660 |
| Pretax return on assets | 0.8840% | 3,394 |
| Return on Equity (ROE) | 9.3658% | 2,229 |
| Retained earnings to average equity (ytd only) | 5.1470% | 2,430 |
| Net charge-offs to loans | 0.5297% | 2,740 |
| Credit loss provision to net charge-offs | 98.0392% | 4,674 |
| Earnings coverage of net charge-offs (x) | 3.1765% | 3,533 |
| Efficiency ratio | 66.9388% | 5,375 |
| Assets per employee ($millions) | 3.6857% | 4,363 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,453 |
| Loan loss allowance to noncurrent loans | 92.6471% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 5,414 |
| Noncurrent loans to loans | 1.0451% | 5,126 |
| Net loans and leases to total assets | 74.9225% | 2,458 |
| Net loans and leases to deposits | 86.3949% | 3,478 |
| Net loans and leases to core deposits | 109.3202% | 3,455 |
| Total domestic deposits to total assets | 86.7209% | 2,393 |
| Equity capital to assets | 9.1938% | 5,021 |
| Core capital (leverage) ratio | 9.1099% | 4,445 |
| Tier 1 risk-based capital ratio | 10.8150% | 6,064 |
| Total risk-based capital ratio | 11.6834% | 6,388 |
| Memoranda: | ||
| Average total assets | $25,338,670 | 7,779 |
| Average earning assets | $21,197,670 | 7,817 |
| Average equity | $2,370,330 | 7,913 |
| Average total loans | $19,255,000 | 7,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1225% | 1,856 |
| Cost of funding earning assets | 2.3007% | 2,695 |
| Net interest margin | 3.8218% | 3,366 |
| Noninterest income to average assets | 0.4779% | 4,527 |
| Noninterest expense to average assets | 2.5490% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1311% | 1,862 |
| Return on assets (ROA) | 1.1311% | 1,983 |
| Pretax return on assets | 1.1311% | 2,868 |
| Return on Equity (ROE) | 11.9857% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.9857% | 787 |
| Net charge-offs to loans | -0.0418% | 7,649 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2641% | 4,722 |
| Assets per employee ($millions) | 3.5873% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,057 |
| Loan loss allowance to noncurrent loans | 29.7674% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 2.5686% | 2,235 |
| Noncurrent loans to loans | 3.4181% | 1,871 |
| Net loans and leases to total assets | 74.3817% | 2,655 |
| Net loans and leases to deposits | 87.0445% | 3,464 |
| Net loans and leases to core deposits | 110.9738% | 3,313 |
| Total domestic deposits to total assets | 85.4526% | 2,989 |
| Equity capital to assets | 9.5416% | 4,619 |
| Core capital (leverage) ratio | 9.3221% | 4,211 |
| Tier 1 risk-based capital ratio | 11.0840% | 5,826 |
| Total risk-based capital ratio | 11.9842% | 6,060 |
| Memoranda: | ||
| Average total assets | $25,108,000 | 7,823 |
| Average earning assets | $21,037,000 | 7,874 |
| Average equity | $2,369,500 | 7,965 |
| Average total loans | $19,123,000 | 7,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7059% | 2,007 |
| Cost of funding earning assets | 2.9135% | 2,204 |
| Net interest margin | 3.7925% | 4,054 |
| Noninterest income to average assets | 0.6386% | 3,564 |
| Noninterest expense to average assets | 2.5006% | 6,004 |
| Loan and lease loss provision to assets | 0.1924% | 4,962 |
| Net operating income to assets | 1.1618% | 1,898 |
| Return on assets (ROA) | 1.1618% | 1,826 |
| Pretax return on assets | 1.1657% | 2,785 |
| Return on Equity (ROE) | 12.3376% | 1,502 |
| Retained earnings to average equity (ytd only) | -5.0249% | 6,519 |
| Net charge-offs to loans | 0.2758% | 3,559 |
| Credit loss provision to net charge-offs | 92.5926% | 5,611 |
| Earnings coverage of net charge-offs (x) | 6.5370% | 3,339 |
| Efficiency ratio | 64.8056% | 5,368 |
| Assets per employee ($millions) | 3.5864% | 4,451 |
| Cash dividends to net income (ytd only)* | 140.7285% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 6,206 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,187 |
| Noncurrent loans to loans | 1.9612% | 2,810 |
| Net loans and leases to total assets | 76.4230% | 2,517 |
| Net loans and leases to deposits | 93.0366% | 2,951 |
| Net loans and leases to core deposits | 114.2908% | 3,304 |
| Total domestic deposits to total assets | 82.1430% | 4,144 |
| Equity capital to assets | 9.3328% | 4,896 |
| Core capital (leverage) ratio | 8.6484% | 5,287 |
| Tier 1 risk-based capital ratio | 10.5588% | 6,145 |
| Total risk-based capital ratio | 11.4341% | 6,401 |
| Memoranda: | ||
| Average total assets | $25,993,600 | 7,806 |
| Average earning assets | $22,070,000 | 7,860 |
| Average equity | $2,447,800 | 8,005 |
| Average total loans | $19,577,200 | 7,358 |