Home > United Bank of Kansas > Performance and Condition Ratios
United Bank of Kansas, 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 | 4.2137% | 4,767 |
| Cost of funding earning assets | 0.7313% | 3,503 |
| Net interest margin | 3.4825% | 4,707 |
| Noninterest income to average assets | 0.3523% | 5,001 |
| Noninterest expense to average assets | 2.6584% | 4,528 |
| Loan and lease loss provision to assets | 0.1984% | 3,098 |
| Net operating income to assets | 0.4321% | 5,113 |
| Return on assets (ROA) | 0.4321% | 5,348 |
| Pretax return on assets | 0.6716% | 4,950 |
| Return on Equity (ROE) | 4.7029% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.4313% | 5,611 |
| Net charge-offs to loans | 0.0821% | 4,578 |
| Credit loss provision to net charge-offs | 359.5745% | 745 |
| Earnings coverage of net charge-offs (x) | 15.7648% | 1,731 |
| Efficiency ratio | 73.7438% | 3,031 |
| Assets per employee ($millions) | 5.8571% | 1,331 |
| Cash dividends to net income (ytd only)* | 69.5649% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,429 |
| Loan loss allowance to noncurrent loans | 1,106.3158% | 399 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 1,946 |
| Noncurrent loans to loans | 0.1255% | 6,294 |
| Net loans and leases to total assets | 63.7457% | 3,069 |
| Net loans and leases to deposits | 73.7467% | 3,327 |
| Net loans and leases to core deposits | 76.9674% | 3,607 |
| Total domestic deposits to total assets | 86.4387% | 3,022 |
| Equity capital to assets | 8.9652% | 5,858 |
| Core capital (leverage) ratio | 7.5010% | 6,624 |
| Tier 1 risk-based capital ratio | 11.3208% | 6,343 |
| Total risk-based capital ratio | 12.5724% | 6,305 |
| Memoranda: | ||
| Average total assets | $113,550,750 | 4,558 |
| Average earning assets | $103,563,250 | 4,556 |
| Average equity | $10,433,000 | 4,931 |
| Average total loans | $76,334,250 | 4,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 4,937 |
| Cost of funding earning assets | 0.7671% | 3,466 |
| Net interest margin | 3.4373% | 4,937 |
| Noninterest income to average assets | 0.3578% | 4,970 |
| Noninterest expense to average assets | 2.6363% | 4,666 |
| Loan and lease loss provision to assets | 0.2118% | 2,956 |
| Net operating income to assets | 0.4290% | 5,119 |
| Return on assets (ROA) | 0.4290% | 5,341 |
| Pretax return on assets | 0.6604% | 4,944 |
| Return on Equity (ROE) | 4.6302% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.1537% | 5,992 |
| Net charge-offs to loans | 0.1228% | 3,947 |
| Credit loss provision to net charge-offs | 253.1915% | 1,134 |
| Earnings coverage of net charge-offs (x) | 10.4255% | 2,046 |
| Efficiency ratio | 73.5160% | 3,156 |
| Assets per employee ($millions) | 6.0169% | 1,216 |
| Cash dividends to net income (ytd only)* | 96.6805% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,616 |
| Loan loss allowance to noncurrent loans | 1,053.6842% | 389 |
| Noncurrent assets plus other real estate owned to assets | 2.8245% | 1,950 |
| Noncurrent loans to loans | 0.1291% | 6,340 |
| Net loans and leases to total assets | 63.5080% | 3,146 |
| Net loans and leases to deposits | 73.5921% | 3,359 |
| Net loans and leases to core deposits | 77.1281% | 3,639 |
| Total domestic deposits to total assets | 86.2974% | 3,198 |
| Equity capital to assets | 9.0911% | 5,591 |
| Core capital (leverage) ratio | 7.5213% | 6,617 |
| Tier 1 risk-based capital ratio | 11.4423% | 6,250 |
| Total risk-based capital ratio | 12.6942% | 6,224 |
| Memoranda: | ||
| Average total assets | $112,353,670 | 4,610 |
| Average earning assets | $102,988,330 | 4,603 |
| Average equity | $10,410,000 | 4,932 |
| Average total loans | $76,537,670 | 4,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 5,370 |
| Cost of funding earning assets | 0.7826% | 3,607 |
| Net interest margin | 3.3417% | 5,331 |
| Noninterest income to average assets | 0.3448% | 5,101 |
| Noninterest expense to average assets | 2.6327% | 4,693 |
| Loan and lease loss provision to assets | 0.1975% | 2,968 |
| Net operating income to assets | 0.3771% | 5,360 |
| Return on assets (ROA) | 0.3771% | 5,545 |
| Pretax return on assets | 0.5818% | 5,175 |
| Return on Equity (ROE) | 4.0313% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.1500% | 5,187 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4737% | 2,856 |
| Assets per employee ($millions) | 5.9847% | 1,293 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 5,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7561% | 2,130 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 68.0538% | 2,106 |
| Net loans and leases to deposits | 78.9423% | 2,347 |
| Net loans and leases to core deposits | 82.7574% | 2,720 |
| Total domestic deposits to total assets | 86.2070% | 3,409 |
| Equity capital to assets | 9.1856% | 5,255 |
| Core capital (leverage) ratio | 7.6998% | 6,486 |
| Tier 1 risk-based capital ratio | 11.0847% | 6,502 |
| Total risk-based capital ratio | 12.3346% | 6,483 |
| Memoranda: | ||
| Average total assets | $111,370,000 | 4,672 |
| Average earning assets | $102,222,000 | 4,648 |
| Average equity | $10,418,500 | 4,935 |
| Average total loans | $78,004,500 | 4,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 4,971 |
| Cost of funding earning assets | 0.9749% | 3,544 |
| Net interest margin | 3.5513% | 4,926 |
| Noninterest income to average assets | 0.3216% | 5,244 |
| Noninterest expense to average assets | 2.6937% | 4,764 |
| Loan and lease loss provision to assets | 0.2393% | 3,815 |
| Net operating income to assets | 0.4394% | 4,692 |
| Return on assets (ROA) | 0.4394% | 4,902 |
| Pretax return on assets | 0.6768% | 4,421 |
| Return on Equity (ROE) | 4.4820% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.0661% | 4,046 |
| Net charge-offs to loans | 0.5582% | 2,784 |
| Credit loss provision to net charge-offs | 56.9476% | 5,247 |
| Earnings coverage of net charge-offs (x) | 2.1800% | 4,153 |
| Efficiency ratio | 72.9515% | 3,399 |
| Assets per employee ($millions) | 5.7384% | 1,417 |
| Cash dividends to net income (ytd only)* | 31.5904% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,405 |
| Loan loss allowance to noncurrent loans | 1,821.5686% | 257 |
| Noncurrent assets plus other real estate owned to assets | 2.9212% | 2,064 |
| Noncurrent loans to loans | 0.0657% | 6,648 |
| Net loans and leases to total assets | 70.3586% | 1,958 |
| Net loans and leases to deposits | 82.1460% | 2,179 |
| Net loans and leases to core deposits | 85.7903% | 2,659 |
| Total domestic deposits to total assets | 85.6507% | 3,513 |
| Equity capital to assets | 9.5313% | 4,832 |
| Core capital (leverage) ratio | 8.0530% | 6,201 |
| Tier 1 risk-based capital ratio | 11.1980% | 6,353 |
| Total risk-based capital ratio | 12.4329% | 6,338 |
| Memoranda: | ||
| Average total assets | $104,465,200 | 4,776 |
| Average earning assets | $96,723,800 | 4,724 |
| Average equity | $10,241,000 | 4,960 |
| Average total loans | $78,646,400 | 4,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 4,790 |
| Cost of funding earning assets | 1.0120% | 3,596 |
| Net interest margin | 3.6075% | 4,739 |
| Noninterest income to average assets | 0.3162% | 5,332 |
| Noninterest expense to average assets | 2.6982% | 4,735 |
| Loan and lease loss provision to assets | 0.2710% | 3,335 |
| Net operating income to assets | 0.4452% | 4,804 |
| Return on assets (ROA) | 0.4452% | 4,997 |
| Pretax return on assets | 0.6865% | 4,531 |
| Return on Equity (ROE) | 4.5083% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.9401% | 4,591 |
| Net charge-offs to loans | 0.7317% | 2,095 |
| Credit loss provision to net charge-offs | 48.4988% | 5,065 |
| Earnings coverage of net charge-offs (x) | 1.7136% | 4,368 |
| Efficiency ratio | 72.1144% | 3,531 |
| Assets per employee ($millions) | 5.5201% | 1,578 |
| Cash dividends to net income (ytd only)* | 34.7834% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 5,199 |
| Loan loss allowance to noncurrent loans | 9,944.4444% | 52 |
| Noncurrent assets plus other real estate owned to assets | 2.9967% | 2,141 |
| Noncurrent loans to loans | 0.0127% | 6,919 |
| Net loans and leases to total assets | 66.9664% | 2,678 |
| Net loans and leases to deposits | 78.6022% | 2,871 |
| Net loans and leases to core deposits | 83.0947% | 3,173 |
| Total domestic deposits to total assets | 85.1966% | 3,679 |
| Equity capital to assets | 9.8245% | 4,594 |
| Core capital (leverage) ratio | 8.2779% | 6,007 |
| Tier 1 risk-based capital ratio | 11.8768% | 5,978 |
| Total risk-based capital ratio | 13.1275% | 5,962 |
| Memoranda: | ||
| Average total assets | $103,324,000 | 4,834 |
| Average earning assets | $95,649,750 | 4,790 |
| Average equity | $10,203,250 | 4,991 |
| Average total loans | $78,897,750 | 4,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 4,177 |
| Cost of funding earning assets | 1.0286% | 3,751 |
| Net interest margin | 3.7505% | 4,029 |
| Noninterest income to average assets | 0.2938% | 5,531 |
| Noninterest expense to average assets | 2.7333% | 4,689 |
| Loan and lease loss provision to assets | 0.3405% | 2,744 |
| Net operating income to assets | 0.4591% | 4,680 |
| Return on assets (ROA) | 0.4591% | 4,810 |
| Pretax return on assets | 0.7101% | 4,349 |
| Return on Equity (ROE) | 4.6413% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.5793% | 3,954 |
| Net charge-offs to loans | 1.0308% | 1,527 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 4,327 |
| Efficiency ratio | 70.5913% | 4,011 |
| Assets per employee ($millions) | 5.5455% | 1,534 |
| Cash dividends to net income (ytd only)* | 22.8814% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,840 |
| Loan loss allowance to noncurrent loans | 63.3987% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.9431% | 2,277 |
| Noncurrent loans to loans | 1.7781% | 3,784 |
| Net loans and leases to total assets | 72.6721% | 1,649 |
| Net loans and leases to deposits | 85.2020% | 1,908 |
| Net loans and leases to core deposits | 89.2405% | 2,469 |
| Total domestic deposits to total assets | 85.2940% | 3,729 |
| Equity capital to assets | 9.7433% | 4,474 |
| Core capital (leverage) ratio | 8.2094% | 6,016 |
| Tier 1 risk-based capital ratio | 10.9345% | 6,580 |
| Total risk-based capital ratio | 12.0900% | 6,603 |
| Memoranda: | ||
| Average total assets | $102,805,000 | 4,885 |
| Average earning assets | $95,667,000 | 4,830 |
| Average equity | $10,169,670 | 5,003 |
| Average total loans | $81,487,000 | 4,165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 4,237 |
| Cost of funding earning assets | 1.0323% | 3,974 |
| Net interest margin | 3.7316% | 3,937 |
| Noninterest income to average assets | 0.2876% | 5,618 |
| Noninterest expense to average assets | 2.7225% | 4,743 |
| Loan and lease loss provision to assets | 0.1379% | 4,285 |
| Net operating income to assets | 0.5792% | 4,140 |
| Return on assets (ROA) | 0.5792% | 4,209 |
| Pretax return on assets | 0.9022% | 3,485 |
| Return on Equity (ROE) | 5.8094% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,970 |
| Net charge-offs to loans | 1.0394% | 1,316 |
| Credit loss provision to net charge-offs | 16.1290% | 4,309 |
| Earnings coverage of net charge-offs (x) | 1.2166% | 3,754 |
| Efficiency ratio | 70.6806% | 4,120 |
| Assets per employee ($millions) | 5.4187% | 1,644 |
| Cash dividends to net income (ytd only)* | 36.7347% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 5,867 |
| Loan loss allowance to noncurrent loans | 55.8473% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.3311% | 2,916 |
| Noncurrent loans to loans | 2.0518% | 3,505 |
| Net loans and leases to total assets | 78.4304% | 686 |
| Net loans and leases to deposits | 92.3256% | 988 |
| Net loans and leases to core deposits | 96.4063% | 1,643 |
| Total domestic deposits to total assets | 84.9497% | 4,051 |
| Equity capital to assets | 9.8762% | 3,927 |
| Core capital (leverage) ratio | 8.1619% | 6,029 |
| Tier 1 risk-based capital ratio | 10.3642% | 6,881 |
| Total risk-based capital ratio | 11.5538% | 6,887 |
| Memoranda: | ||
| Average total assets | $101,525,000 | 4,957 |
| Average earning assets | $94,543,500 | 4,899 |
| Average equity | $10,121,500 | 5,016 |
| Average total loans | $83,508,500 | 4,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 5,807 |
| Cost of funding earning assets | 1.2519% | 4,203 |
| Net interest margin | 3.4473% | 5,445 |
| Noninterest income to average assets | 0.7912% | 2,325 |
| Noninterest expense to average assets | 2.7736% | 4,693 |
| Loan and lease loss provision to assets | 0.1890% | 5,342 |
| Net operating income to assets | 0.6725% | 3,333 |
| Return on assets (ROA) | 0.6725% | 3,475 |
| Pretax return on assets | 1.0458% | 2,788 |
| Return on Equity (ROE) | 7.0690% | 3,079 |
| Retained earnings to average equity (ytd only) | 2.1866% | 4,363 |
| Net charge-offs to loans | 0.4970% | 3,645 |
| Credit loss provision to net charge-offs | 49.7500% | 6,262 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,453 |
| Efficiency ratio | 67.7014% | 4,626 |
| Assets per employee ($millions) | 5.0048% | 2,148 |
| Cash dividends to net income (ytd only)* | 69.0678% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,950 |
| Loan loss allowance to noncurrent loans | 527.3585% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 5,143 |
| Noncurrent loans to loans | 0.2484% | 6,568 |
| Net loans and leases to total assets | 84.1351% | 291 |
| Net loans and leases to deposits | 99.4098% | 613 |
| Net loans and leases to core deposits | 103.3161% | 1,365 |
| Total domestic deposits to total assets | 84.6346% | 4,039 |
| Equity capital to assets | 10.0654% | 3,668 |
| Core capital (leverage) ratio | 8.0767% | 6,068 |
| Tier 1 risk-based capital ratio | 9.8661% | 7,032 |
| Total risk-based capital ratio | 11.1179% | 7,028 |
| Memoranda: | ||
| Average total assets | $105,278,600 | 4,845 |
| Average earning assets | $98,251,800 | 4,762 |
| Average equity | $10,015,600 | 5,127 |
| Average total loans | $80,477,600 | 4,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 6,296 |
| Cost of funding earning assets | 1.2953% | 4,243 |
| Net interest margin | 3.3193% | 5,953 |
| Noninterest income to average assets | 1.0259% | 1,392 |
| Noninterest expense to average assets | 2.7761% | 4,580 |
| Loan and lease loss provision to assets | 0.0575% | 6,492 |
| Net operating income to assets | 0.8294% | 2,882 |
| Return on assets (ROA) | 0.8294% | 3,021 |
| Pretax return on assets | 1.2923% | 2,196 |
| Return on Equity (ROE) | 8.8391% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.0531% | 4,300 |
| Net charge-offs to loans | 0.6728% | 2,745 |
| Credit loss provision to net charge-offs | 11.5000% | 6,324 |
| Earnings coverage of net charge-offs (x) | 2.6975% | 3,796 |
| Efficiency ratio | 65.8278% | 4,900 |
| Assets per employee ($millions) | 5.2657% | 1,854 |
| Cash dividends to net income (ytd only)* | 65.4596% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,452 |
| Loan loss allowance to noncurrent loans | 128.8385% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,608 |
| Noncurrent loans to loans | 0.9382% | 5,356 |
| Net loans and leases to total assets | 78.8314% | 914 |
| Net loans and leases to deposits | 93.3538% | 1,275 |
| Net loans and leases to core deposits | 96.4240% | 2,208 |
| Total domestic deposits to total assets | 84.4436% | 3,899 |
| Equity capital to assets | 10.1040% | 4,012 |
| Core capital (leverage) ratio | 8.2002% | 6,038 |
| Tier 1 risk-based capital ratio | 10.5952% | 6,709 |
| Total risk-based capital ratio | 11.8456% | 6,695 |
| Memoranda: | ||
| Average total assets | $106,574,500 | 4,870 |
| Average earning assets | $99,538,000 | 4,797 |
| Average equity | $10,000,750 | 5,195 |
| Average total loans | $79,263,750 | 4,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 6,500 |
| Cost of funding earning assets | 1.3476% | 4,202 |
| Net interest margin | 3.2378% | 6,198 |
| Noninterest income to average assets | 1.3407% | 700 |
| Noninterest expense to average assets | 2.8083% | 4,449 |
| Loan and lease loss provision to assets | 0.0386% | 6,573 |
| Net operating income to assets | 0.9692% | 2,299 |
| Return on assets (ROA) | 0.9692% | 2,383 |
| Pretax return on assets | 1.5117% | 1,528 |
| Return on Equity (ROE) | 10.5774% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.9906% | 4,217 |
| Net charge-offs to loans | 1.0117% | 1,841 |
| Credit loss provision to net charge-offs | 5.2500% | 5,983 |
| Earnings coverage of net charge-offs (x) | 2.1075% | 3,970 |
| Efficiency ratio | 63.0802% | 5,503 |
| Assets per employee ($millions) | 4.1398% | 3,511 |
| Cash dividends to net income (ytd only)* | 71.7268% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,206 |
| Loan loss allowance to noncurrent loans | 125.5007% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 5,617 |
| Noncurrent loans to loans | 0.9930% | 5,319 |
| Net loans and leases to total assets | 74.9718% | 1,702 |
| Net loans and leases to deposits | 88.7598% | 2,041 |
| Net loans and leases to core deposits | 91.9073% | 3,006 |
| Total domestic deposits to total assets | 84.4660% | 3,888 |
| Equity capital to assets | 10.0950% | 3,895 |
| Core capital (leverage) ratio | 7.6511% | 6,673 |
| Tier 1 risk-based capital ratio | 11.0092% | 6,227 |
| Total risk-based capital ratio | 12.2605% | 6,214 |
| Memoranda: | ||
| Average total assets | $108,749,670 | 4,839 |
| Average earning assets | $101,365,330 | 4,767 |
| Average equity | $9,964,670 | 5,212 |
| Average total loans | $79,073,330 | 4,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 6,849 |
| Cost of funding earning assets | 1.3870% | 4,263 |
| Net interest margin | 3.0840% | 6,639 |
| Noninterest income to average assets | 0.4196% | 4,736 |
| Noninterest expense to average assets | 2.7079% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3878% | 4,891 |
| Return on assets (ROA) | 0.3878% | 5,029 |
| Pretax return on assets | 0.5888% | 4,655 |
| Return on Equity (ROE) | 4.4301% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.4301% | 3,495 |
| Net charge-offs to loans | 1.5823% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.5219% | 4,568 |
| Efficiency ratio | 80.4278% | 2,502 |
| Assets per employee ($millions) | 4.4132% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,210 |
| Loan loss allowance to noncurrent loans | 139.5251% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 5,957 |
| Noncurrent loans to loans | 0.8965% | 5,525 |
| Net loans and leases to total assets | 68.7339% | 3,223 |
| Net loans and leases to deposits | 79.2173% | 3,800 |
| Net loans and leases to core deposits | 82.1020% | 4,476 |
| Total domestic deposits to total assets | 86.7662% | 2,758 |
| Equity capital to assets | 8.7002% | 5,727 |
| Core capital (leverage) ratio | 7.0839% | 7,191 |
| Tier 1 risk-based capital ratio | 10.1319% | 6,945 |
| Total risk-based capital ratio | 11.3825% | 6,932 |
| Memoranda: | ||
| Average total assets | $113,446,500 | 4,784 |
| Average earning assets | $105,837,000 | 4,708 |
| Average equity | $9,932,000 | 5,257 |
| Average total loans | $80,895,500 | 4,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 6,412 |
| Cost of funding earning assets | 1.6114% | 4,980 |
| Net interest margin | 3.3947% | 5,384 |
| Noninterest income to average assets | 0.5140% | 4,298 |
| Noninterest expense to average assets | 2.9148% | 4,487 |
| Loan and lease loss provision to assets | 0.6271% | 3,299 |
| Net operating income to assets | 0.0764% | 5,275 |
| Return on assets (ROA) | 0.0804% | 5,309 |
| Pretax return on assets | 0.0935% | 5,235 |
| Return on Equity (ROE) | 0.8756% | 5,269 |
| Retained earnings to average equity (ytd only) | -0.7331% | 5,184 |
| Net charge-offs to loans | 0.4024% | 4,212 |
| Credit loss provision to net charge-offs | 200.2985% | 1,946 |
| Earnings coverage of net charge-offs (x) | 2.2866% | 4,016 |
| Efficiency ratio | 78.6615% | 3,100 |
| Assets per employee ($millions) | 4.3134% | 3,252 |
| Cash dividends to net income (ytd only)* | 183.7209% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 3,240 |
| Loan loss allowance to noncurrent loans | 8,243.7500% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 7,493 |
| Noncurrent loans to loans | 0.0195% | 7,391 |
| Net loans and leases to total assets | 71.8731% | 2,778 |
| Net loans and leases to deposits | 83.0337% | 3,442 |
| Net loans and leases to core deposits | 99.4044% | 4,060 |
| Total domestic deposits to total assets | 86.5590% | 2,727 |
| Equity capital to assets | 8.8106% | 5,419 |
| Core capital (leverage) ratio | 7.0655% | 7,184 |
| Tier 1 risk-based capital ratio | 9.6228% | 7,140 |
| Total risk-based capital ratio | 10.8781% | 7,118 |
| Memoranda: | ||
| Average total assets | $107,006,000 | 4,902 |
| Average earning assets | $98,240,200 | 4,886 |
| Average equity | $9,821,800 | 5,348 |
| Average total loans | $83,256,800 | 4,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 6,308 |
| Cost of funding earning assets | 1.6312% | 5,251 |
| Net interest margin | 3.4580% | 5,041 |
| Noninterest income to average assets | 0.5070% | 4,429 |
| Noninterest expense to average assets | 2.9889% | 4,096 |
| Loan and lease loss provision to assets | 0.8462% | 2,263 |
| Net operating income to assets | -0.0820% | 5,862 |
| Return on assets (ROA) | -0.0820% | 5,898 |
| Pretax return on assets | -0.1627% | 5,924 |
| Return on Equity (ROE) | -0.8837% | 5,913 |
| Retained earnings to average equity (ytd only) | -3.0318% | 5,938 |
| Net charge-offs to loans | 0.5391% | 3,063 |
| Credit loss provision to net charge-offs | 198.5207% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1.6035% | 4,599 |
| Efficiency ratio | 79.7390% | 2,886 |
| Assets per employee ($millions) | 4.1019% | 3,557 |
| Cash dividends to net income (ytd only)* | -243.0879% | 8,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 2,922 |
| Loan loss allowance to noncurrent loans | 8,225.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 7,557 |
| Noncurrent loans to loans | 0.0197% | 7,477 |
| Net loans and leases to total assets | 72.2154% | 2,980 |
| Net loans and leases to deposits | 83.5449% | 3,719 |
| Net loans and leases to core deposits | 100.7990% | 4,281 |
| Total domestic deposits to total assets | 86.4391% | 2,455 |
| Equity capital to assets | 8.8161% | 5,760 |
| Core capital (leverage) ratio | 7.0767% | 7,377 |
| Tier 1 risk-based capital ratio | 9.4804% | 7,392 |
| Total risk-based capital ratio | 10.7355% | 7,345 |
| Memoranda: | ||
| Average total assets | $105,720,250 | 4,964 |
| Average earning assets | $96,778,000 | 4,963 |
| Average equity | $9,807,000 | 5,397 |
| Average total loans | $83,590,000 | 4,430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 6,185 |
| Cost of funding earning assets | 1.6306% | 5,608 |
| Net interest margin | 3.5410% | 4,611 |
| Noninterest income to average assets | 0.4883% | 4,547 |
| Noninterest expense to average assets | 3.0891% | 3,743 |
| Loan and lease loss provision to assets | 1.1937% | 1,437 |
| Net operating income to assets | -0.3326% | 6,365 |
| Return on assets (ROA) | -0.3326% | 6,378 |
| Pretax return on assets | -0.5594% | 6,485 |
| Return on Equity (ROE) | -3.5229% | 6,420 |
| Retained earnings to average equity (ytd only) | -5.5186% | 6,381 |
| Net charge-offs to loans | 0.4363% | 3,063 |
| Credit loss provision to net charge-offs | 337.5000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 1.7935% | 4,215 |
| Efficiency ratio | 81.3113% | 2,838 |
| Assets per employee ($millions) | 4.0620% | 3,566 |
| Cash dividends to net income (ytd only)* | -56.6474% | 8,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,461 |
| Loan loss allowance to noncurrent loans | 9,466.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,600 |
| Noncurrent loans to loans | 0.0176% | 7,509 |
| Net loans and leases to total assets | 76.3636% | 2,093 |
| Net loans and leases to deposits | 88.3608% | 3,118 |
| Net loans and leases to core deposits | 105.2743% | 3,927 |
| Total domestic deposits to total assets | 86.4225% | 2,556 |
| Equity capital to assets | 8.7578% | 5,668 |
| Core capital (leverage) ratio | 7.0830% | 7,473 |
| Tier 1 risk-based capital ratio | 8.9371% | 7,728 |
| Total risk-based capital ratio | 10.1922% | 7,758 |
| Memoranda: | ||
| Average total assets | $104,043,000 | 5,045 |
| Average earning assets | $95,056,670 | 5,040 |
| Average equity | $9,821,330 | 5,416 |
| Average total loans | $84,354,670 | 4,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 6,382 |
| Cost of funding earning assets | 1.5852% | 6,091 |
| Net interest margin | 3.5936% | 4,338 |
| Noninterest income to average assets | 0.5018% | 4,309 |
| Noninterest expense to average assets | 3.0545% | 3,540 |
| Loan and lease loss provision to assets | 0.1778% | 4,679 |
| Net operating income to assets | 0.3714% | 4,972 |
| Return on assets (ROA) | 0.3714% | 5,154 |
| Pretax return on assets | 0.5572% | 4,890 |
| Return on Equity (ROE) | 3.7867% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.9004% | 4,253 |
| Net charge-offs to loans | -0.0286% | 7,543 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9364% | 3,014 |
| Assets per employee ($millions) | 3.8954% | 3,885 |
| Cash dividends to net income (ytd only)* | 23.4043% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 4,697 |
| Loan loss allowance to noncurrent loans | 487.7358% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,923 |
| Noncurrent loans to loans | 0.2491% | 6,824 |
| Net loans and leases to total assets | 79.9268% | 1,401 |
| Net loans and leases to deposits | 93.4532% | 2,366 |
| Net loans and leases to core deposits | 110.0647% | 3,430 |
| Total domestic deposits to total assets | 85.5260% | 2,953 |
| Equity capital to assets | 9.4899% | 4,681 |
| Core capital (leverage) ratio | 8.0910% | 6,309 |
| Tier 1 risk-based capital ratio | 9.3034% | 7,586 |
| Total risk-based capital ratio | 10.5273% | 7,580 |
| Memoranda: | ||
| Average total assets | $101,227,500 | 5,144 |
| Average earning assets | $92,609,000 | 5,128 |
| Average equity | $9,929,500 | 5,406 |
| Average total loans | $83,946,500 | 4,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 5,860 |
| Cost of funding earning assets | 2.1668% | 5,746 |
| Net interest margin | 3.7717% | 4,130 |
| Noninterest income to average assets | 0.4667% | 4,912 |
| Noninterest expense to average assets | 3.0775% | 3,792 |
| Loan and lease loss provision to assets | 0.3860% | 3,378 |
| Net operating income to assets | 0.2968% | 5,559 |
| Return on assets (ROA) | -0.2765% | 6,566 |
| Pretax return on assets | -0.4695% | 6,631 |
| Return on Equity (ROE) | -3.0164% | 6,626 |
| Retained earnings to average equity (ytd only) | -4.7027% | 6,461 |
| Net charge-offs to loans | 0.4607% | 2,524 |
| Credit loss provision to net charge-offs | 112.2905% | 4,799 |
| Earnings coverage of net charge-offs (x) | 2.3631% | 4,898 |
| Efficiency ratio | 77.5611% | 2,984 |
| Assets per employee ($millions) | 3.6030% | 4,407 |
| Cash dividends to net income (ytd only)* | -55.9028% | 8,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,643 |
| Loan loss allowance to noncurrent loans | 369.5489% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,482 |
| Noncurrent loans to loans | 0.3213% | 6,409 |
| Net loans and leases to total assets | 84.1005% | 870 |
| Net loans and leases to deposits | 104.8790% | 1,252 |
| Net loans and leases to core deposits | 118.2730% | 2,856 |
| Total domestic deposits to total assets | 80.1881% | 4,947 |
| Equity capital to assets | 10.1542% | 3,860 |
| Core capital (leverage) ratio | 8.0696% | 6,377 |
| Tier 1 risk-based capital ratio | 9.3402% | 7,476 |
| Total risk-based capital ratio | 10.5214% | 7,481 |
| Memoranda: | ||
| Average total assets | $104,143,200 | 4,927 |
| Average earning assets | $94,518,800 | 4,959 |
| Average equity | $9,547,800 | 5,555 |
| Average total loans | $77,715,600 | 4,595 |