Home > United Farmers & Merchants State Bank > Performance and Condition Ratios
United Farmers & Merchants State Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4774% | 6,742 |
| Cost of funding earning assets | 0.1885% | 6,532 |
| Net interest margin | 2.2889% | 6,627 |
| Noninterest income to average assets | 1.4554% | 746 |
| Noninterest expense to average assets | 2.9012% | 3,329 |
| Loan and lease loss provision to assets | 0.0143% | 4,603 |
| Net operating income to assets | 0.5184% | 4,720 |
| Return on assets (ROA) | 0.4946% | 4,998 |
| Pretax return on assets | 0.5374% | 5,247 |
| Return on Equity (ROE) | 6.9057% | 3,660 |
| Retained earnings to average equity (ytd only) | 0.5976% | 5,659 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4473% | 1,702 |
| Assets per employee ($millions) | 3.5710% | 4,702 |
| Cash dividends to net income (ytd only)* | 91.3462% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,732 |
| Loan loss allowance to noncurrent loans | 412.0000% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 6,103 |
| Noncurrent loans to loans | 0.3563% | 5,390 |
| Net loans and leases to total assets | 35.2002% | 6,352 |
| Net loans and leases to deposits | 38.2511% | 6,476 |
| Net loans and leases to core deposits | 38.6521% | 6,519 |
| Total domestic deposits to total assets | 92.0241% | 244 |
| Equity capital to assets | 7.1332% | 6,568 |
| Core capital (leverage) ratio | 5.6091% | 6,786 |
| Tier 1 risk-based capital ratio | 12.1188% | 5,725 |
| Total risk-based capital ratio | 13.2249% | 5,755 |
| Memoranda: | ||
| Average total assets | $42,051,670 | 6,341 |
| Average earning assets | $37,135,670 | 6,367 |
| Average equity | $3,012,000 | 6,647 |
| Average total loans | $14,454,670 | 6,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3848% | 6,843 |
| Cost of funding earning assets | 0.1875% | 6,638 |
| Net interest margin | 2.1974% | 6,758 |
| Noninterest income to average assets | 1.4089% | 773 |
| Noninterest expense to average assets | 3.1218% | 2,612 |
| Loan and lease loss provision to assets | 0.0276% | 4,119 |
| Net operating income to assets | 0.3499% | 5,350 |
| Return on assets (ROA) | 0.3039% | 5,679 |
| Pretax return on assets | 0.1565% | 6,158 |
| Return on Equity (ROE) | 4.2348% | 4,979 |
| Retained earnings to average equity (ytd only) | -7.9564% | 6,521 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1319% | 900 |
| Assets per employee ($millions) | 3.9543% | 4,055 |
| Cash dividends to net income (ytd only)* | 287.8788% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,594 |
| Loan loss allowance to noncurrent loans | 412.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,223 |
| Noncurrent loans to loans | 0.3774% | 5,463 |
| Net loans and leases to total assets | 29.9837% | 6,608 |
| Net loans and leases to deposits | 32.7162% | 6,670 |
| Net loans and leases to core deposits | 33.2416% | 6,692 |
| Total domestic deposits to total assets | 91.6477% | 319 |
| Equity capital to assets | 7.0809% | 6,698 |
| Core capital (leverage) ratio | 5.7377% | 6,831 |
| Tier 1 risk-based capital ratio | 13.5402% | 4,842 |
| Total risk-based capital ratio | 14.6272% | 4,907 |
| Memoranda: | ||
| Average total assets | $43,437,000 | 6,363 |
| Average earning assets | $38,409,500 | 6,392 |
| Average equity | $3,117,000 | 6,695 |
| Average total loans | $14,665,500 | 6,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 6,663 |
| Cost of funding earning assets | 0.2537% | 6,658 |
| Net interest margin | 2.9385% | 6,157 |
| Noninterest income to average assets | 1.6935% | 566 |
| Noninterest expense to average assets | 3.6271% | 1,546 |
| Loan and lease loss provision to assets | 0.0310% | 5,507 |
| Net operating income to assets | 0.4588% | 4,844 |
| Return on assets (ROA) | 0.6583% | 4,214 |
| Pretax return on assets | 0.8855% | 3,974 |
| Return on Equity (ROE) | 8.3744% | 2,926 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,535 |
| Net charge-offs to loans | 0.0065% | 5,870 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 162 |
| Efficiency ratio | 85.0484% | 1,511 |
| Assets per employee ($millions) | 3.3367% | 5,350 |
| Cash dividends to net income (ytd only)* | 37.2549% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,813 |
| Loan loss allowance to noncurrent loans | 369.0909% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 6,256 |
| Noncurrent loans to loans | 0.3420% | 5,628 |
| Net loans and leases to total assets | 36.6093% | 6,396 |
| Net loans and leases to deposits | 39.8564% | 6,561 |
| Net loans and leases to core deposits | 40.8615% | 6,588 |
| Total domestic deposits to total assets | 91.8528% | 273 |
| Equity capital to assets | 7.2711% | 6,703 |
| Core capital (leverage) ratio | 6.6570% | 6,767 |
| Tier 1 risk-based capital ratio | 12.4379% | 5,517 |
| Total risk-based capital ratio | 13.3983% | 5,651 |
| Memoranda: | ||
| Average total assets | $38,736,200 | 6,540 |
| Average earning assets | $33,894,600 | 6,558 |
| Average equity | $3,045,000 | 6,774 |
| Average total loans | $15,282,000 | 6,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 6,703 |
| Cost of funding earning assets | 0.2633% | 6,755 |
| Net interest margin | 3.0666% | 6,026 |
| Noninterest income to average assets | 1.5577% | 612 |
| Noninterest expense to average assets | 3.7399% | 1,305 |
| Loan and lease loss provision to assets | 0.0319% | 5,378 |
| Net operating income to assets | 0.3834% | 5,317 |
| Return on assets (ROA) | 0.4116% | 5,434 |
| Pretax return on assets | 0.5109% | 5,435 |
| Return on Equity (ROE) | 5.1250% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.9278% | 5,801 |
| Net charge-offs to loans | 0.0088% | 5,595 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 142.3534% | 315 |
| Efficiency ratio | 88.1271% | 1,184 |
| Assets per employee ($millions) | 2.9416% | 6,146 |
| Cash dividends to net income (ytd only)* | 81.8958% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,696 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 6,351 |
| Noncurrent loans to loans | 0.3712% | 5,737 |
| Net loans and leases to total assets | 38.9242% | 6,354 |
| Net loans and leases to deposits | 43.0725% | 6,552 |
| Net loans and leases to core deposits | 44.3296% | 6,583 |
| Total domestic deposits to total assets | 90.3690% | 644 |
| Equity capital to assets | 8.2059% | 6,484 |
| Core capital (leverage) ratio | 6.8563% | 6,826 |
| Tier 1 risk-based capital ratio | 12.6672% | 5,510 |
| Total risk-based capital ratio | 13.6847% | 5,657 |
| Memoranda: | ||
| Average total assets | $37,576,000 | 6,648 |
| Average earning assets | $32,913,000 | 6,670 |
| Average equity | $3,017,750 | 6,863 |
| Average total loans | $15,081,750 | 6,738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 6,794 |
| Cost of funding earning assets | 0.2753% | 6,819 |
| Net interest margin | 3.0530% | 6,117 |
| Noninterest income to average assets | 1.5045% | 645 |
| Noninterest expense to average assets | 3.7907% | 1,231 |
| Loan and lease loss provision to assets | 0.0321% | 5,269 |
| Net operating income to assets | 0.2939% | 5,641 |
| Return on assets (ROA) | 0.3641% | 5,584 |
| Pretax return on assets | 0.4390% | 5,606 |
| Return on Equity (ROE) | 4.5673% | 5,008 |
| Retained earnings to average equity (ytd only) | -1.8135% | 6,333 |
| Net charge-offs to loans | 0.0133% | 5,259 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 558 |
| Efficiency ratio | 90.7692% | 1,019 |
| Assets per employee ($millions) | 2.8504% | 6,319 |
| Cash dividends to net income (ytd only)* | 139.7059% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,780 |
| Loan loss allowance to noncurrent loans | 333.8983% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,395 |
| Noncurrent loans to loans | 0.3964% | 5,744 |
| Net loans and leases to total assets | 39.6330% | 6,370 |
| Net loans and leases to deposits | 43.7957% | 6,568 |
| Net loans and leases to core deposits | 45.1141% | 6,615 |
| Total domestic deposits to total assets | 90.4952% | 666 |
| Equity capital to assets | 8.1608% | 6,481 |
| Core capital (leverage) ratio | 6.5362% | 6,919 |
| Tier 1 risk-based capital ratio | 12.6568% | 5,448 |
| Total risk-based capital ratio | 13.6778% | 5,600 |
| Memoranda: | ||
| Average total assets | $37,354,330 | 6,700 |
| Average earning assets | $32,688,670 | 6,718 |
| Average equity | $2,977,670 | 6,917 |
| Average total loans | $15,080,670 | 6,797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 6,853 |
| Cost of funding earning assets | 0.2814% | 6,900 |
| Net interest margin | 3.0713% | 6,126 |
| Noninterest income to average assets | 1.4825% | 659 |
| Noninterest expense to average assets | 3.7223% | 1,345 |
| Loan and lease loss provision to assets | 0.0320% | 4,968 |
| Net operating income to assets | 0.3520% | 5,468 |
| Return on assets (ROA) | 0.3306% | 5,722 |
| Pretax return on assets | 0.3840% | 5,768 |
| Return on Equity (ROE) | 4.1970% | 5,201 |
| Retained earnings to average equity (ytd only) | -8.6647% | 6,792 |
| Net charge-offs to loans | 0.0264% | 4,314 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 736 |
| Efficiency ratio | 89.4872% | 1,139 |
| Assets per employee ($millions) | 2.8903% | 6,367 |
| Cash dividends to net income (ytd only)* | 306.4516% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,689 |
| Loan loss allowance to noncurrent loans | 328.8136% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,495 |
| Noncurrent loans to loans | 0.4200% | 5,828 |
| Net loans and leases to total assets | 36.8659% | 6,566 |
| Net loans and leases to deposits | 40.5385% | 6,714 |
| Net loans and leases to core deposits | 41.7329% | 6,760 |
| Total domestic deposits to total assets | 90.9405% | 585 |
| Equity capital to assets | 7.7633% | 6,652 |
| Core capital (leverage) ratio | 6.1638% | 7,019 |
| Tier 1 risk-based capital ratio | 12.9129% | 5,272 |
| Total risk-based capital ratio | 13.9550% | 5,397 |
| Memoranda: | ||
| Average total assets | $37,504,000 | 6,752 |
| Average earning assets | $32,690,000 | 6,771 |
| Average equity | $2,954,500 | 6,972 |
| Average total loans | $15,179,500 | 6,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 6,673 |
| Cost of funding earning assets | 0.3961% | 6,893 |
| Net interest margin | 3.4543% | 5,310 |
| Noninterest income to average assets | 1.6583% | 505 |
| Noninterest expense to average assets | 3.9894% | 1,051 |
| Loan and lease loss provision to assets | 0.0335% | 6,142 |
| Net operating income to assets | 0.4632% | 4,573 |
| Return on assets (ROA) | 0.6672% | 3,836 |
| Pretax return on assets | 0.8766% | 3,685 |
| Return on Equity (ROE) | 8.5565% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.3344% | 2,428 |
| Net charge-offs to loans | 0.0193% | 6,171 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 394 |
| Efficiency ratio | 86.1882% | 1,538 |
| Assets per employee ($millions) | 2.8795% | 6,319 |
| Cash dividends to net income (ytd only)* | 37.6569% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,501 |
| Loan loss allowance to noncurrent loans | 314.7541% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 6,539 |
| Noncurrent loans to loans | 0.3739% | 5,969 |
| Net loans and leases to total assets | 43.0651% | 6,296 |
| Net loans and leases to deposits | 47.2784% | 6,548 |
| Net loans and leases to core deposits | 50.0031% | 6,530 |
| Total domestic deposits to total assets | 91.0883% | 472 |
| Equity capital to assets | 7.9927% | 6,578 |
| Core capital (leverage) ratio | 6.7923% | 6,922 |
| Tier 1 risk-based capital ratio | 12.1339% | 5,737 |
| Total risk-based capital ratio | 13.0775% | 5,925 |
| Memoranda: | ||
| Average total assets | $35,820,200 | 6,801 |
| Average earning assets | $30,801,800 | 6,844 |
| Average equity | $2,793,200 | 7,059 |
| Average total loans | $15,566,000 | 6,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 6,670 |
| Cost of funding earning assets | 0.4156% | 6,977 |
| Net interest margin | 3.5265% | 5,069 |
| Noninterest income to average assets | 1.7581% | 458 |
| Noninterest expense to average assets | 4.0206% | 984 |
| Loan and lease loss provision to assets | 0.0339% | 6,016 |
| Net operating income to assets | 0.5835% | 4,160 |
| Return on assets (ROA) | 0.5572% | 4,459 |
| Pretax return on assets | 0.7115% | 4,429 |
| Return on Equity (ROE) | 7.1926% | 3,431 |
| Retained earnings to average equity (ytd only) | 2.8187% | 4,669 |
| Net charge-offs to loans | 0.0086% | 6,039 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 205.5113% | 192 |
| Efficiency ratio | 83.8963% | 1,740 |
| Assets per employee ($millions) | 2.6775% | 6,680 |
| Cash dividends to net income (ytd only)* | 60.8118% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,275 |
| Loan loss allowance to noncurrent loans | 298.4375% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 6,592 |
| Noncurrent loans to loans | 0.4171% | 6,007 |
| Net loans and leases to total assets | 43.5331% | 6,377 |
| Net loans and leases to deposits | 48.3087% | 6,607 |
| Net loans and leases to core deposits | 51.3504% | 6,602 |
| Total domestic deposits to total assets | 90.1143% | 808 |
| Equity capital to assets | 8.5182% | 6,279 |
| Core capital (leverage) ratio | 6.8038% | 7,008 |
| Tier 1 risk-based capital ratio | 12.2862% | 5,678 |
| Total risk-based capital ratio | 13.2731% | 5,870 |
| Memoranda: | ||
| Average total assets | $35,416,750 | 6,878 |
| Average earning assets | $30,473,000 | 6,921 |
| Average equity | $2,743,500 | 7,135 |
| Average total loans | $15,379,250 | 6,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 6,831 |
| Cost of funding earning assets | 0.4312% | 7,058 |
| Net interest margin | 3.4497% | 5,371 |
| Noninterest income to average assets | 1.8304% | 407 |
| Noninterest expense to average assets | 4.0652% | 952 |
| Loan and lease loss provision to assets | 0.0337% | 5,893 |
| Net operating income to assets | 0.5559% | 4,281 |
| Return on assets (ROA) | 0.5166% | 4,572 |
| Pretax return on assets | 0.6569% | 4,546 |
| Return on Equity (ROE) | 6.8922% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.1498% | 5,777 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7775% | 1,728 |
| Assets per employee ($millions) | 2.7152% | 6,621 |
| Cash dividends to net income (ytd only)* | 97.8261% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 5,302 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 6,654 |
| Noncurrent loans to loans | 0.4169% | 6,071 |
| Net loans and leases to total assets | 42.2800% | 6,571 |
| Net loans and leases to deposits | 46.5531% | 6,801 |
| Net loans and leases to core deposits | 49.4172% | 6,788 |
| Total domestic deposits to total assets | 90.8210% | 575 |
| Equity capital to assets | 7.8928% | 6,748 |
| Core capital (leverage) ratio | 6.6176% | 7,100 |
| Tier 1 risk-based capital ratio | 11.8560% | 5,894 |
| Total risk-based capital ratio | 12.8210% | 6,104 |
| Memoranda: | ||
| Average total assets | $35,619,670 | 6,933 |
| Average earning assets | $30,611,670 | 6,977 |
| Average equity | $2,669,670 | 7,210 |
| Average total loans | $15,391,000 | 7,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 7,023 |
| Cost of funding earning assets | 0.4416% | 7,133 |
| Net interest margin | 3.2986% | 5,784 |
| Noninterest income to average assets | 1.6098% | 514 |
| Noninterest expense to average assets | 4.0916% | 928 |
| Loan and lease loss provision to assets | 0.0335% | 5,555 |
| Net operating income to assets | 0.2795% | 5,501 |
| Return on assets (ROA) | 0.2795% | 5,563 |
| Pretax return on assets | 0.3242% | 5,582 |
| Return on Equity (ROE) | 3.8292% | 4,989 |
| Retained earnings to average equity (ytd only) | -9.9560% | 6,870 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9598% | 1,169 |
| Assets per employee ($millions) | 2.5424% | 6,924 |
| Cash dividends to net income (ytd only)* | 360.0000% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,427 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 6,691 |
| Noncurrent loans to loans | 0.4415% | 6,126 |
| Net loans and leases to total assets | 41.4761% | 6,675 |
| Net loans and leases to deposits | 45.3020% | 6,895 |
| Net loans and leases to core deposits | 47.6472% | 6,895 |
| Total domestic deposits to total assets | 91.5548% | 402 |
| Equity capital to assets | 7.2877% | 6,979 |
| Core capital (leverage) ratio | 6.4366% | 7,182 |
| Tier 1 risk-based capital ratio | 11.6755% | 5,957 |
| Total risk-based capital ratio | 12.6385% | 6,179 |
| Memoranda: | ||
| Average total assets | $35,780,500 | 6,971 |
| Average earning assets | $30,800,500 | 7,022 |
| Average equity | $2,611,500 | 7,268 |
| Average total loans | $15,530,000 | 7,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 5,824 |
| Cost of funding earning assets | 0.6988% | 6,893 |
| Net interest margin | 3.9941% | 3,045 |
| Noninterest income to average assets | 1.9687% | 407 |
| Noninterest expense to average assets | 4.5561% | 618 |
| Loan and lease loss provision to assets | 0.0656% | 6,488 |
| Net operating income to assets | 0.4896% | 4,152 |
| Return on assets (ROA) | 0.5625% | 3,995 |
| Pretax return on assets | 0.8687% | 3,410 |
| Return on Equity (ROE) | 6.6691% | 3,273 |
| Retained earnings to average equity (ytd only) | 2.0378% | 4,446 |
| Net charge-offs to loans | -0.0061% | 7,285 |
| Credit loss provision to net charge-offs | -2,100.0000% | 7,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9650% | 1,803 |
| Assets per employee ($millions) | 2.5691% | 6,907 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,800 |
| Loan loss allowance to noncurrent loans | 277.2727% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,770 |
| Noncurrent loans to loans | 0.4097% | 6,223 |
| Net loans and leases to total assets | 44.2850% | 6,690 |
| Net loans and leases to deposits | 48.1150% | 6,947 |
| Net loans and leases to core deposits | 50.9827% | 6,944 |
| Total domestic deposits to total assets | 92.0399% | 275 |
| Equity capital to assets | 7.3095% | 6,996 |
| Core capital (leverage) ratio | 6.8937% | 7,071 |
| Tier 1 risk-based capital ratio | 11.4523% | 5,949 |
| Total risk-based capital ratio | 12.3556% | 6,219 |
| Memoranda: | ||
| Average total assets | $32,001,400 | 7,145 |
| Average earning assets | $27,190,200 | 7,184 |
| Average equity | $2,699,000 | 7,354 |
| Average total loans | $16,484,600 | 7,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 5,267 |
| Cost of funding earning assets | 0.7508% | 6,908 |
| Net interest margin | 4.1496% | 2,405 |
| Noninterest income to average assets | 2.2315% | 323 |
| Noninterest expense to average assets | 4.6608% | 508 |
| Loan and lease loss provision to assets | 0.0774% | 6,273 |
| Net operating income to assets | 0.7395% | 3,239 |
| Return on assets (ROA) | 0.6578% | 3,775 |
| Pretax return on assets | 0.9287% | 3,452 |
| Return on Equity (ROE) | 7.5093% | 3,100 |
| Retained earnings to average equity (ytd only) | 1.3742% | 5,257 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0770% | 2,191 |
| Assets per employee ($millions) | 2.1863% | 7,395 |
| Cash dividends to net income (ytd only)* | 81.7001% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,933 |
| Loan loss allowance to noncurrent loans | 269.6970% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,827 |
| Noncurrent loans to loans | 0.4082% | 6,384 |
| Net loans and leases to total assets | 52.2412% | 6,068 |
| Net loans and leases to deposits | 58.3662% | 6,438 |
| Net loans and leases to core deposits | 62.0152% | 6,464 |
| Total domestic deposits to total assets | 89.5060% | 1,125 |
| Equity capital to assets | 9.0891% | 5,462 |
| Core capital (leverage) ratio | 7.4394% | 6,890 |
| Tier 1 risk-based capital ratio | 11.6263% | 5,811 |
| Total risk-based capital ratio | 12.5292% | 6,115 |
| Memoranda: | ||
| Average total assets | $31,010,000 | 7,255 |
| Average earning assets | $26,283,000 | 7,309 |
| Average equity | $2,716,500 | 7,444 |
| Average total loans | $16,578,000 | 7,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 5,314 |
| Cost of funding earning assets | 0.7752% | 6,990 |
| Net interest margin | 4.1421% | 2,368 |
| Noninterest income to average assets | 2.4467% | 279 |
| Noninterest expense to average assets | 4.6879% | 480 |
| Loan and lease loss provision to assets | 0.0963% | 5,951 |
| Net operating income to assets | 0.8669% | 2,670 |
| Return on assets (ROA) | 0.7192% | 3,469 |
| Pretax return on assets | 1.0146% | 3,064 |
| Return on Equity (ROE) | 8.3127% | 2,755 |
| Retained earnings to average equity (ytd only) | -0.9649% | 5,959 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8337% | 2,597 |
| Assets per employee ($millions) | 2.1583% | 7,470 |
| Cash dividends to net income (ytd only)* | 111.6071% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 6,084 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 6,850 |
| Noncurrent loans to loans | 0.4009% | 6,439 |
| Net loans and leases to total assets | 53.9052% | 5,998 |
| Net loans and leases to deposits | 60.4513% | 6,372 |
| Net loans and leases to core deposits | 64.9312% | 6,321 |
| Total domestic deposits to total assets | 89.1713% | 1,342 |
| Equity capital to assets | 9.0581% | 5,353 |
| Core capital (leverage) ratio | 7.3361% | 6,968 |
| Tier 1 risk-based capital ratio | 11.2618% | 5,985 |
| Total risk-based capital ratio | 12.1423% | 6,342 |
| Memoranda: | ||
| Average total assets | $31,144,000 | 7,305 |
| Average earning assets | $26,315,330 | 7,359 |
| Average equity | $2,694,670 | 7,500 |
| Average total loans | $16,714,670 | 7,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 5,467 |
| Cost of funding earning assets | 0.7963% | 7,101 |
| Net interest margin | 4.1018% | 2,431 |
| Noninterest income to average assets | 2.1007% | 322 |
| Noninterest expense to average assets | 4.7077% | 474 |
| Loan and lease loss provision to assets | 0.1519% | 5,020 |
| Net operating income to assets | 0.4050% | 4,815 |
| Return on assets (ROA) | 0.3290% | 5,300 |
| Pretax return on assets | 0.6201% | 4,528 |
| Return on Equity (ROE) | 3.8900% | 4,942 |
| Retained earnings to average equity (ytd only) | -14.8120% | 7,204 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7380% | 1,943 |
| Assets per employee ($millions) | 2.3322% | 7,417 |
| Cash dividends to net income (ytd only)* | 480.7692% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 6,174 |
| Loan loss allowance to noncurrent loans | 70.0405% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 5,527 |
| Noncurrent loans to loans | 1.5163% | 4,473 |
| Net loans and leases to total assets | 53.1581% | 6,134 |
| Net loans and leases to deposits | 59.3912% | 6,519 |
| Net loans and leases to core deposits | 63.1371% | 6,514 |
| Total domestic deposits to total assets | 89.5049% | 1,245 |
| Equity capital to assets | 8.6612% | 5,791 |
| Core capital (leverage) ratio | 7.1877% | 7,110 |
| Tier 1 risk-based capital ratio | 10.8976% | 6,252 |
| Total risk-based capital ratio | 11.7680% | 6,609 |
| Memoranda: | ||
| Average total assets | $31,608,000 | 7,386 |
| Average earning assets | $26,622,500 | 7,443 |
| Average equity | $2,673,500 | 7,589 |
| Average total loans | $16,840,000 | 7,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 6,044 |
| Cost of funding earning assets | 1.0721% | 7,051 |
| Net interest margin | 4.0389% | 2,698 |
| Noninterest income to average assets | 2.3864% | 293 |
| Noninterest expense to average assets | 4.7696% | 622 |
| Loan and lease loss provision to assets | 0.0948% | 6,660 |
| Net operating income to assets | 0.7688% | 2,643 |
| Return on assets (ROA) | 0.6606% | 3,146 |
| Pretax return on assets | 0.8913% | 2,952 |
| Return on Equity (ROE) | 7.8755% | 2,422 |
| Retained earnings to average equity (ytd only) | 0.9797% | 4,348 |
| Net charge-offs to loans | 0.0059% | 7,160 |
| Credit loss provision to net charge-offs | 3,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 83 |
| Efficiency ratio | 81.3477% | 2,691 |
| Assets per employee ($millions) | 2.1931% | 7,579 |
| Cash dividends to net income (ytd only)* | 87.5598% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 6,721 |
| Loan loss allowance to noncurrent loans | 35.3070% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 4,340 |
| Noncurrent loans to loans | 2.6222% | 2,937 |
| Net loans and leases to total assets | 52.3726% | 6,380 |
| Net loans and leases to deposits | 57.8135% | 6,794 |
| Net loans and leases to core deposits | 62.9370% | 7,154 |
| Total domestic deposits to total assets | 90.5888% | 703 |
| Equity capital to assets | 8.2713% | 6,239 |
| Core capital (leverage) ratio | 7.6250% | 6,648 |
| Tier 1 risk-based capital ratio | 10.3420% | 6,547 |
| Total risk-based capital ratio | 11.0771% | 6,985 |
| Memoranda: | ||
| Average total assets | $31,637,600 | 7,417 |
| Average earning assets | $27,235,200 | 7,452 |
| Average equity | $2,653,800 | 7,688 |
| Average total loans | $17,055,200 | 7,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 6,023 |
| Cost of funding earning assets | 1.1109% | 7,156 |
| Net interest margin | 4.0569% | 2,562 |
| Noninterest income to average assets | 2.4561% | 273 |
| Noninterest expense to average assets | 4.7930% | 568 |
| Loan and lease loss provision to assets | 0.0766% | 6,598 |
| Net operating income to assets | 0.8524% | 2,603 |
| Return on assets (ROA) | 0.7236% | 3,194 |
| Pretax return on assets | 0.9875% | 2,946 |
| Return on Equity (ROE) | 8.5954% | 2,414 |
| Retained earnings to average equity (ytd only) | -0.6572% | 5,395 |
| Net charge-offs to loans | 0.0078% | 6,856 |
| Credit loss provision to net charge-offs | 1,800.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 280.6917% | 129 |
| Efficiency ratio | 80.0853% | 2,826 |
| Assets per employee ($millions) | 1.8546% | 7,875 |
| Cash dividends to net income (ytd only)* | 107.6458% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,734 |
| Loan loss allowance to noncurrent loans | 52.0979% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 5,136 |
| Noncurrent loans to loans | 1.7393% | 4,024 |
| Net loans and leases to total assets | 54.9119% | 6,280 |
| Net loans and leases to deposits | 61.7852% | 6,693 |
| Net loans and leases to core deposits | 68.6670% | 7,035 |
| Total domestic deposits to total assets | 88.8754% | 1,254 |
| Equity capital to assets | 9.2003% | 5,164 |
| Core capital (leverage) ratio | 7.7502% | 6,667 |
| Tier 1 risk-based capital ratio | 10.8158% | 6,136 |
| Total risk-based capital ratio | 11.5398% | 6,641 |
| Memoranda: | ||
| Average total assets | $31,322,750 | 7,487 |
| Average earning assets | $27,245,000 | 7,524 |
| Average equity | $2,637,000 | 7,771 |
| Average total loans | $16,971,500 | 7,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 6,457 |
| Cost of funding earning assets | 1.1112% | 7,349 |
| Net interest margin | 3.9831% | 2,774 |
| Noninterest income to average assets | 2.4535% | 272 |
| Noninterest expense to average assets | 4.7502% | 616 |
| Loan and lease loss provision to assets | 0.0753% | 6,436 |
| Net operating income to assets | 0.8471% | 2,666 |
| Return on assets (ROA) | 0.6840% | 3,440 |
| Pretax return on assets | 0.9287% | 3,245 |
| Return on Equity (ROE) | 8.3653% | 2,625 |
| Retained earnings to average equity (ytd only) | -5.6792% | 6,404 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2757% | 2,997 |
| Assets per employee ($millions) | 1.9332% | 7,898 |
| Cash dividends to net income (ytd only)* | 167.8899% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,889 |
| Loan loss allowance to noncurrent loans | 50.8834% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 5,148 |
| Noncurrent loans to loans | 1.7157% | 3,934 |
| Net loans and leases to total assets | 52.8628% | 6,582 |
| Net loans and leases to deposits | 59.1228% | 6,956 |
| Net loans and leases to core deposits | 65.9075% | 7,218 |
| Total domestic deposits to total assets | 89.4119% | 1,075 |
| Equity capital to assets | 8.3864% | 6,221 |
| Core capital (leverage) ratio | 7.2848% | 7,265 |
| Tier 1 risk-based capital ratio | 10.2810% | 6,617 |
| Total risk-based capital ratio | 10.9645% | 7,166 |
| Memoranda: | ||
| Average total assets | $31,872,670 | 7,536 |
| Average earning assets | $27,717,330 | 7,572 |
| Average equity | $2,606,000 | 7,856 |
| Average total loans | $17,147,670 | 7,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 6,899 |
| Cost of funding earning assets | 1.1248% | 7,474 |
| Net interest margin | 3.8868% | 3,091 |
| Noninterest income to average assets | 2.6342% | 231 |
| Noninterest expense to average assets | 4.8974% | 519 |
| Loan and lease loss provision to assets | 0.0742% | 6,028 |
| Net operating income to assets | 0.7544% | 3,331 |
| Return on assets (ROA) | 0.7544% | 3,505 |
| Pretax return on assets | 1.0388% | 3,207 |
| Return on Equity (ROE) | 9.3415% | 2,595 |
| Retained earnings to average equity (ytd only) | -18.6830% | 7,607 |
| Net charge-offs to loans | -0.0916% | 7,855 |
| Credit loss provision to net charge-offs | -150.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 2,610 |
| Assets per employee ($millions) | 1.9781% | 7,912 |
| Cash dividends to net income (ytd only)* | 300.0000% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,903 |
| Loan loss allowance to noncurrent loans | 48.9583% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 4,915 |
| Noncurrent loans to loans | 1.7623% | 3,622 |
| Net loans and leases to total assets | 51.1896% | 6,756 |
| Net loans and leases to deposits | 57.1524% | 7,093 |
| Net loans and leases to core deposits | 63.5333% | 7,329 |
| Total domestic deposits to total assets | 89.5668% | 985 |
| Equity capital to assets | 8.0824% | 6,694 |
| Core capital (leverage) ratio | 7.4361% | 7,227 |
| Tier 1 risk-based capital ratio | 11.6059% | 5,300 |
| Total risk-based capital ratio | 12.2634% | 5,795 |
| Memoranda: | ||
| Average total assets | $32,343,500 | 7,554 |
| Average earning assets | $28,095,000 | 7,606 |
| Average equity | $2,612,000 | 7,904 |
| Average total loans | $17,474,000 | 7,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 7,320 |
| Cost of funding earning assets | 1.7649% | 7,100 |
| Net interest margin | 3.7276% | 4,344 |
| Noninterest income to average assets | 3.1625% | 188 |
| Noninterest expense to average assets | 5.2656% | 558 |
| Loan and lease loss provision to assets | 0.0757% | 6,455 |
| Net operating income to assets | 0.7670% | 3,585 |
| Return on assets (ROA) | 0.7693% | 3,417 |
| Pretax return on assets | 1.0342% | 3,259 |
| Return on Equity (ROE) | 9.7866% | 2,333 |
| Retained earnings to average equity (ytd only) | 1.9252% | 4,033 |
| Net charge-offs to loans | 0.0814% | 5,600 |
| Credit loss provision to net charge-offs | 171.4286% | 2,980 |
| Earnings coverage of net charge-offs (x) | 25.0714% | 1,351 |
| Efficiency ratio | 82.5334% | 2,232 |
| Assets per employee ($millions) | 2.2025% | 7,705 |
| Cash dividends to net income (ytd only)* | 80.3279% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 7,397 |
| Loan loss allowance to noncurrent loans | 43.2787% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,529 |
| Noncurrent loans to loans | 1.6393% | 3,312 |
| Net loans and leases to total assets | 55.9174% | 6,447 |
| Net loans and leases to deposits | 61.9351% | 6,950 |
| Net loans and leases to core deposits | 68.5670% | 7,265 |
| Total domestic deposits to total assets | 90.2839% | 555 |
| Equity capital to assets | 8.0695% | 6,748 |
| Core capital (leverage) ratio | 8.1612% | 6,238 |
| Tier 1 risk-based capital ratio | 11.2152% | 5,523 |
| Total risk-based capital ratio | 11.7821% | 6,069 |
| Memoranda: | ||
| Average total assets | $31,715,200 | 7,578 |
| Average earning assets | $27,310,000 | 7,647 |
| Average equity | $2,493,200 | 7,990 |
| Average total loans | $17,201,200 | 7,508 |