Home > Viking State Bank & Trust > Performance and Condition Ratios
Viking State Bank & Trust, Performance and Condition Ratios
| 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 | 5.5501% | 1,057 |
| Cost of funding earning assets | 1.1514% | 2,346 |
| Net interest margin | 4.3987% | 1,403 |
| Noninterest income to average assets | 0.3770% | 4,810 |
| Noninterest expense to average assets | 1.8286% | 6,921 |
| Loan and lease loss provision to assets | 0.0278% | 6,227 |
| Net operating income to assets | 2.2687% | 199 |
| Return on assets (ROA) | 2.2687% | 213 |
| Pretax return on assets | 2.3780% | 263 |
| Return on Equity (ROE) | 21.7933% | 191 |
| Retained earnings to average equity (ytd only) | 11.4439% | 353 |
| Net charge-offs to loans | -0.0948% | 7,129 |
| Credit loss provision to net charge-offs | -39.4737% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1853% | 7,142 |
| Assets per employee ($millions) | 7.3366% | 621 |
| Cash dividends to net income (ytd only)* | 47.4888% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 3,237 |
| Loan loss allowance to noncurrent loans | 219.5161% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 5,561 |
| Noncurrent loans to loans | 0.7702% | 5,155 |
| Net loans and leases to total assets | 71.9143% | 1,659 |
| Net loans and leases to deposits | 81.7412% | 2,238 |
| Net loans and leases to core deposits | 86.1699% | 2,614 |
| Total domestic deposits to total assets | 87.9781% | 2,179 |
| Equity capital to assets | 11.1578% | 2,837 |
| Core capital (leverage) ratio | 10.7899% | 2,442 |
| Tier 1 risk-based capital ratio | 13.6578% | 4,582 |
| Total risk-based capital ratio | 14.9116% | 4,543 |
| Memoranda: | ||
| Average total assets | $107,949,400 | 4,690 |
| Average earning assets | $94,664,600 | 4,790 |
| Average equity | $11,237,400 | 4,731 |
| Average total loans | $80,193,000 | 4,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5146% | 1,211 |
| Cost of funding earning assets | 1.1951% | 2,346 |
| Net interest margin | 4.3195% | 1,643 |
| Noninterest income to average assets | 0.3500% | 5,056 |
| Noninterest expense to average assets | 1.8617% | 6,904 |
| Loan and lease loss provision to assets | 0.0372% | 5,973 |
| Net operating income to assets | 2.1422% | 273 |
| Return on assets (ROA) | 2.1422% | 291 |
| Pretax return on assets | 2.2552% | 392 |
| Return on Equity (ROE) | 20.9646% | 258 |
| Retained earnings to average equity (ytd only) | 9.2677% | 1,053 |
| Net charge-offs to loans | 0.0366% | 5,636 |
| Credit loss provision to net charge-offs | 136.3636% | 2,336 |
| Earnings coverage of net charge-offs (x) | 83.9622% | 427 |
| Efficiency ratio | 44.8163% | 7,113 |
| Assets per employee ($millions) | 7.3178% | 633 |
| Cash dividends to net income (ytd only)* | 55.7937% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,871 |
| Loan loss allowance to noncurrent loans | 166.4032% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,419 |
| Noncurrent loans to loans | 0.9335% | 5,013 |
| Net loans and leases to total assets | 72.9181% | 1,526 |
| Net loans and leases to deposits | 82.5538% | 2,247 |
| Net loans and leases to core deposits | 86.9972% | 2,639 |
| Total domestic deposits to total assets | 88.3280% | 1,858 |
| Equity capital to assets | 10.6571% | 3,506 |
| Core capital (leverage) ratio | 10.4386% | 2,949 |
| Tier 1 risk-based capital ratio | 13.0673% | 5,047 |
| Total risk-based capital ratio | 14.3189% | 5,017 |
| Memoranda: | ||
| Average total assets | $107,424,500 | 4,729 |
| Average earning assets | $94,606,500 | 4,833 |
| Average equity | $10,977,000 | 4,810 |
| Average total loans | $80,115,750 | 4,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 1,149 |
| Cost of funding earning assets | 1.2633% | 2,161 |
| Net interest margin | 4.2965% | 1,672 |
| Noninterest income to average assets | 0.3282% | 5,267 |
| Noninterest expense to average assets | 1.8416% | 7,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1436% | 279 |
| Return on assets (ROA) | 2.1436% | 287 |
| Pretax return on assets | 2.2561% | 380 |
| Return on Equity (ROE) | 21.2915% | 262 |
| Retained earnings to average equity (ytd only) | 7.0785% | 1,845 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9428% | 7,202 |
| Assets per employee ($millions) | 7.1823% | 666 |
| Cash dividends to net income (ytd only)* | 66.7542% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,836 |
| Loan loss allowance to noncurrent loans | 316.1209% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 6,216 |
| Noncurrent loans to loans | 0.4958% | 5,914 |
| Net loans and leases to total assets | 73.1591% | 1,562 |
| Net loans and leases to deposits | 82.4327% | 2,381 |
| Net loans and leases to core deposits | 85.9164% | 2,918 |
| Total domestic deposits to total assets | 88.7502% | 1,694 |
| Equity capital to assets | 10.2659% | 3,798 |
| Core capital (leverage) ratio | 10.1452% | 3,092 |
| Tier 1 risk-based capital ratio | 12.8046% | 5,088 |
| Total risk-based capital ratio | 14.0565% | 5,060 |
| Memoranda: | ||
| Average total assets | $106,643,670 | 4,787 |
| Average earning assets | $93,564,000 | 4,897 |
| Average equity | $10,736,670 | 4,861 |
| Average total loans | $79,720,000 | 4,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 1,006 |
| Cost of funding earning assets | 1.3157% | 2,096 |
| Net interest margin | 4.3141% | 1,520 |
| Noninterest income to average assets | 0.3242% | 5,326 |
| Noninterest expense to average assets | 1.8700% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0698% | 316 |
| Return on assets (ROA) | 2.0698% | 330 |
| Pretax return on assets | 2.1753% | 416 |
| Return on Equity (ROE) | 20.7660% | 304 |
| Retained earnings to average equity (ytd only) | 9.4184% | 1,257 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2255% | 7,196 |
| Assets per employee ($millions) | 7.1833% | 678 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,893 |
| Loan loss allowance to noncurrent loans | 213.7990% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,877 |
| Noncurrent loans to loans | 0.7318% | 5,546 |
| Net loans and leases to total assets | 73.2814% | 1,465 |
| Net loans and leases to deposits | 82.3401% | 2,302 |
| Net loans and leases to core deposits | 85.6762% | 2,925 |
| Total domestic deposits to total assets | 88.9985% | 1,772 |
| Equity capital to assets | 10.0029% | 3,768 |
| Core capital (leverage) ratio | 10.2482% | 2,866 |
| Tier 1 risk-based capital ratio | 12.6275% | 5,139 |
| Total risk-based capital ratio | 13.8806% | 5,113 |
| Memoranda: | ||
| Average total assets | $106,098,000 | 4,835 |
| Average earning assets | $91,513,000 | 4,986 |
| Average equity | $10,575,000 | 4,899 |
| Average total loans | $79,543,500 | 4,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1261% | 663 |
| Cost of funding earning assets | 1.5250% | 2,502 |
| Net interest margin | 4.6011% | 1,011 |
| Noninterest income to average assets | 0.4118% | 4,808 |
| Noninterest expense to average assets | 1.9214% | 7,128 |
| Loan and lease loss provision to assets | 0.3465% | 4,052 |
| Net operating income to assets | 2.1182% | 227 |
| Return on assets (ROA) | 2.1182% | 236 |
| Pretax return on assets | 2.2197% | 306 |
| Return on Equity (ROE) | 21.1909% | 194 |
| Retained earnings to average equity (ytd only) | 14.3081% | 151 |
| Net charge-offs to loans | 0.0970% | 5,881 |
| Credit loss provision to net charge-offs | 442.3077% | 522 |
| Earnings coverage of net charge-offs (x) | 32.7564% | 682 |
| Efficiency ratio | 42.8156% | 7,443 |
| Assets per employee ($millions) | 6.9631% | 753 |
| Cash dividends to net income (ytd only)* | 32.4798% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 3,608 |
| Loan loss allowance to noncurrent loans | 206.7545% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 5,859 |
| Noncurrent loans to loans | 0.7696% | 5,509 |
| Net loans and leases to total assets | 74.3123% | 1,597 |
| Net loans and leases to deposits | 83.4026% | 2,551 |
| Net loans and leases to core deposits | 86.7200% | 3,223 |
| Total domestic deposits to total assets | 89.1007% | 1,594 |
| Equity capital to assets | 9.9304% | 3,838 |
| Core capital (leverage) ratio | 10.4506% | 2,608 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,927 |
| Total risk-based capital ratio | 13.8634% | 4,906 |
| Memoranda: | ||
| Average total assets | $99,564,200 | 4,995 |
| Average earning assets | $88,197,000 | 5,075 |
| Average equity | $9,952,400 | 5,153 |
| Average total loans | $80,446,800 | 4,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2099% | 607 |
| Cost of funding earning assets | 1.5578% | 2,622 |
| Net interest margin | 4.6521% | 938 |
| Noninterest income to average assets | 0.3755% | 5,150 |
| Noninterest expense to average assets | 1.9116% | 7,191 |
| Loan and lease loss provision to assets | 0.1966% | 5,071 |
| Net operating income to assets | 2.2885% | 194 |
| Return on assets (ROA) | 2.2885% | 210 |
| Pretax return on assets | 2.4092% | 265 |
| Return on Equity (ROE) | 22.8546% | 165 |
| Retained earnings to average equity (ytd only) | 16.1120% | 161 |
| Net charge-offs to loans | 0.0511% | 6,013 |
| Credit loss provision to net charge-offs | 467.7419% | 635 |
| Earnings coverage of net charge-offs (x) | 62.0034% | 474 |
| Efficiency ratio | 42.3169% | 7,517 |
| Assets per employee ($millions) | 6.3188% | 1,061 |
| Cash dividends to net income (ytd only)* | 29.5022% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 4,657 |
| Loan loss allowance to noncurrent loans | 137.4065% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 5,515 |
| Noncurrent loans to loans | 0.9914% | 5,252 |
| Net loans and leases to total assets | 78.9268% | 892 |
| Net loans and leases to deposits | 89.2132% | 1,835 |
| Net loans and leases to core deposits | 92.8842% | 2,673 |
| Total domestic deposits to total assets | 88.4698% | 1,686 |
| Equity capital to assets | 10.3660% | 3,680 |
| Core capital (leverage) ratio | 10.7319% | 2,485 |
| Tier 1 risk-based capital ratio | 12.4203% | 5,062 |
| Total risk-based capital ratio | 13.6708% | 5,026 |
| Memoranda: | ||
| Average total assets | $98,343,500 | 5,098 |
| Average earning assets | $87,556,500 | 5,155 |
| Average equity | $9,847,500 | 5,241 |
| Average total loans | $80,840,500 | 4,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 619 |
| Cost of funding earning assets | 1.5719% | 2,821 |
| Net interest margin | 4.6310% | 931 |
| Noninterest income to average assets | 0.3182% | 5,608 |
| Noninterest expense to average assets | 1.8886% | 7,283 |
| Loan and lease loss provision to assets | 0.2977% | 4,006 |
| Net operating income to assets | 2.1781% | 242 |
| Return on assets (ROA) | 2.1781% | 268 |
| Pretax return on assets | 2.2931% | 343 |
| Return on Equity (ROE) | 22.0201% | 211 |
| Retained earnings to average equity (ytd only) | 14.7976% | 255 |
| Net charge-offs to loans | -0.0074% | 7,160 |
| Credit loss provision to net charge-offs | -4,833.3333% | 7,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1632% | 7,584 |
| Assets per employee ($millions) | 6.2996% | 1,050 |
| Cash dividends to net income (ytd only)* | 32.7992% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,453 |
| Loan loss allowance to noncurrent loans | 220.5825% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 6,108 |
| Noncurrent loans to loans | 0.6327% | 5,982 |
| Net loans and leases to total assets | 84.9366% | 290 |
| Net loans and leases to deposits | 96.1969% | 1,029 |
| Net loans and leases to core deposits | 100.4418% | 1,967 |
| Total domestic deposits to total assets | 88.2945% | 1,830 |
| Equity capital to assets | 10.5171% | 3,390 |
| Core capital (leverage) ratio | 10.3554% | 2,766 |
| Tier 1 risk-based capital ratio | 12.0438% | 5,271 |
| Total risk-based capital ratio | 13.2955% | 5,237 |
| Memoranda: | ||
| Average total assets | $97,424,670 | 5,157 |
| Average earning assets | $87,539,670 | 5,195 |
| Average equity | $9,636,670 | 5,304 |
| Average total loans | $80,821,670 | 4,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 739 |
| Cost of funding earning assets | 1.5989% | 2,966 |
| Net interest margin | 4.5288% | 1,084 |
| Noninterest income to average assets | 0.3074% | 5,685 |
| Noninterest expense to average assets | 1.8890% | 7,347 |
| Loan and lease loss provision to assets | 0.1820% | 4,701 |
| Net operating income to assets | 2.1559% | 271 |
| Return on assets (ROA) | 2.1559% | 295 |
| Pretax return on assets | 2.2692% | 373 |
| Return on Equity (ROE) | 22.4752% | 252 |
| Retained earnings to average equity (ytd only) | 20.6199% | 181 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5228% | 7,635 |
| Assets per employee ($millions) | 6.4576% | 1,021 |
| Cash dividends to net income (ytd only)* | 8.2552% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 5,153 |
| Loan loss allowance to noncurrent loans | 192.3650% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 6,122 |
| Noncurrent loans to loans | 0.6548% | 6,012 |
| Net loans and leases to total assets | 83.5956% | 410 |
| Net loans and leases to deposits | 94.1208% | 1,335 |
| Net loans and leases to core deposits | 98.1658% | 2,327 |
| Total domestic deposits to total assets | 88.8173% | 1,608 |
| Equity capital to assets | 10.0316% | 3,824 |
| Core capital (leverage) ratio | 9.9369% | 3,245 |
| Tier 1 risk-based capital ratio | 11.6465% | 5,532 |
| Total risk-based capital ratio | 12.8960% | 5,497 |
| Memoranda: | ||
| Average total assets | $98,890,000 | 5,183 |
| Average earning assets | $88,058,000 | 5,239 |
| Average equity | $9,486,000 | 5,392 |
| Average total loans | $80,534,500 | 4,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1833% | 1,281 |
| Cost of funding earning assets | 1.9593% | 3,160 |
| Net interest margin | 4.2239% | 1,994 |
| Noninterest income to average assets | 0.3999% | 5,201 |
| Noninterest expense to average assets | 1.8795% | 7,529 |
| Loan and lease loss provision to assets | 0.2694% | 5,258 |
| Net operating income to assets | 2.0535% | 202 |
| Return on assets (ROA) | 2.0535% | 220 |
| Pretax return on assets | 2.1509% | 313 |
| Return on Equity (ROE) | 22.0345% | 164 |
| Retained earnings to average equity (ytd only) | 6.3702% | 1,200 |
| Net charge-offs to loans | 0.2721% | 4,918 |
| Credit loss provision to net charge-offs | 118.1818% | 4,574 |
| Earnings coverage of net charge-offs (x) | 10.6182% | 1,666 |
| Efficiency ratio | 43.7108% | 7,787 |
| Assets per employee ($millions) | 6.7277% | 895 |
| Cash dividends to net income (ytd only)* | 71.0898% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,055 |
| Loan loss allowance to noncurrent loans | 126.9923% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 5,562 |
| Noncurrent loans to loans | 0.9840% | 5,351 |
| Net loans and leases to total assets | 77.3653% | 1,507 |
| Net loans and leases to deposits | 91.2047% | 2,014 |
| Net loans and leases to core deposits | 106.2737% | 3,303 |
| Total domestic deposits to total assets | 84.8260% | 3,631 |
| Equity capital to assets | 9.1710% | 4,889 |
| Core capital (leverage) ratio | 9.3073% | 3,962 |
| Tier 1 risk-based capital ratio | 11.2495% | 5,665 |
| Total risk-based capital ratio | 12.4682% | 5,651 |
| Memoranda: | ||
| Average total assets | $96,516,400 | 5,181 |
| Average earning assets | $89,111,200 | 5,153 |
| Average equity | $8,995,000 | 5,605 |
| Average total loans | $80,848,200 | 4,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1616% | 1,468 |
| Cost of funding earning assets | 2.0078% | 3,324 |
| Net interest margin | 4.1538% | 2,201 |
| Noninterest income to average assets | 0.4346% | 5,000 |
| Noninterest expense to average assets | 1.9074% | 7,536 |
| Loan and lease loss provision to assets | 0.3633% | 4,142 |
| Net operating income to assets | 1.9703% | 312 |
| Return on assets (ROA) | 1.9703% | 333 |
| Pretax return on assets | 2.0695% | 476 |
| Return on Equity (ROE) | 21.0521% | 253 |
| Retained earnings to average equity (ytd only) | 8.8688% | 876 |
| Net charge-offs to loans | 0.2427% | 4,532 |
| Credit loss provision to net charge-offs | 175.6757% | 2,626 |
| Earnings coverage of net charge-offs (x) | 11.7634% | 1,830 |
| Efficiency ratio | 43.9472% | 7,842 |
| Assets per employee ($millions) | 6.5052% | 981 |
| Cash dividends to net income (ytd only)* | 57.8723% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,459 |
| Loan loss allowance to noncurrent loans | 145.8047% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 5,276 |
| Noncurrent loans to loans | 0.8965% | 5,488 |
| Net loans and leases to total assets | 82.0236% | 810 |
| Net loans and leases to deposits | 99.3718% | 1,170 |
| Net loans and leases to core deposits | 116.1910% | 2,601 |
| Total domestic deposits to total assets | 82.5422% | 4,424 |
| Equity capital to assets | 9.5585% | 4,667 |
| Core capital (leverage) ratio | 9.6767% | 3,679 |
| Tier 1 risk-based capital ratio | 11.2072% | 5,739 |
| Total risk-based capital ratio | 12.4479% | 5,706 |
| Memoranda: | ||
| Average total assets | $95,416,500 | 5,255 |
| Average earning assets | $89,714,250 | 5,173 |
| Average equity | $8,930,000 | 5,678 |
| Average total loans | $81,294,750 | 4,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1259% | 1,706 |
| Cost of funding earning assets | 2.0768% | 3,385 |
| Net interest margin | 4.0491% | 2,506 |
| Noninterest income to average assets | 0.4435% | 4,901 |
| Noninterest expense to average assets | 1.8311% | 7,708 |
| Loan and lease loss provision to assets | 0.4646% | 3,202 |
| Net operating income to assets | 1.8945% | 379 |
| Return on assets (ROA) | 1.8945% | 409 |
| Pretax return on assets | 1.9937% | 580 |
| Return on Equity (ROE) | 20.3918% | 311 |
| Retained earnings to average equity (ytd only) | 6.0243% | 2,014 |
| Net charge-offs to loans | 0.3736% | 3,324 |
| Credit loss provision to net charge-offs | 144.7368% | 3,200 |
| Earnings coverage of net charge-offs (x) | 7.6579% | 2,410 |
| Efficiency ratio | 42.6883% | 7,963 |
| Assets per employee ($millions) | 6.1881% | 1,104 |
| Cash dividends to net income (ytd only)* | 70.4571% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,704 |
| Loan loss allowance to noncurrent loans | 131.4360% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 4,978 |
| Noncurrent loans to loans | 0.9399% | 5,340 |
| Net loans and leases to total assets | 87.5125% | 271 |
| Net loans and leases to deposits | 109.4449% | 578 |
| Net loans and leases to core deposits | 127.9858% | 1,711 |
| Total domestic deposits to total assets | 79.9604% | 5,487 |
| Equity capital to assets | 9.5679% | 4,528 |
| Core capital (leverage) ratio | 9.4246% | 3,995 |
| Tier 1 risk-based capital ratio | 10.7461% | 6,142 |
| Total risk-based capital ratio | 11.9953% | 6,077 |
| Memoranda: | ||
| Average total assets | $94,696,000 | 5,317 |
| Average earning assets | $89,946,330 | 5,201 |
| Average equity | $8,797,670 | 5,750 |
| Average total loans | $81,360,670 | 4,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0432% | 2,183 |
| Cost of funding earning assets | 2.1843% | 3,247 |
| Net interest margin | 3.8588% | 3,216 |
| Noninterest income to average assets | 0.4015% | 5,198 |
| Noninterest expense to average assets | 1.7149% | 7,808 |
| Loan and lease loss provision to assets | 0.1255% | 5,352 |
| Net operating income to assets | 2.1206% | 271 |
| Return on assets (ROA) | 2.1206% | 318 |
| Pretax return on assets | 2.2335% | 411 |
| Return on Equity (ROE) | 23.1613% | 257 |
| Retained earnings to average equity (ytd only) | 12.0146% | 781 |
| Net charge-offs to loans | -0.0099% | 7,271 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0945% | 7,997 |
| Assets per employee ($millions) | 6.5359% | 948 |
| Cash dividends to net income (ytd only)* | 48.1262% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 4,804 |
| Loan loss allowance to noncurrent loans | 170.1389% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 5,240 |
| Noncurrent loans to loans | 0.7054% | 5,650 |
| Net loans and leases to total assets | 82.2917% | 972 |
| Net loans and leases to deposits | 100.3408% | 1,366 |
| Net loans and leases to core deposits | 115.3944% | 2,859 |
| Total domestic deposits to total assets | 82.0123% | 4,543 |
| Equity capital to assets | 9.0433% | 5,304 |
| Core capital (leverage) ratio | 9.4067% | 4,094 |
| Tier 1 risk-based capital ratio | 10.4907% | 6,406 |
| Total risk-based capital ratio | 11.6672% | 6,388 |
| Memoranda: | ||
| Average total assets | $95,633,500 | 5,311 |
| Average earning assets | $91,012,000 | 5,187 |
| Average equity | $8,756,000 | 5,790 |
| Average total loans | $80,918,000 | 4,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8447% | 1,544 |
| Cost of funding earning assets | 2.9397% | 2,098 |
| Net interest margin | 3.9050% | 3,530 |
| Noninterest income to average assets | 0.3894% | 5,566 |
| Noninterest expense to average assets | 1.9241% | 7,576 |
| Loan and lease loss provision to assets | 0.1540% | 5,392 |
| Net operating income to assets | 1.8905% | 442 |
| Return on assets (ROA) | 1.8905% | 433 |
| Pretax return on assets | 1.9838% | 630 |
| Return on Equity (ROE) | 21.0182% | 301 |
| Retained earnings to average equity (ytd only) | 8.2361% | 770 |
| Net charge-offs to loans | 0.0299% | 6,405 |
| Credit loss provision to net charge-offs | 591.6667% | 737 |
| Earnings coverage of net charge-offs (x) | 82.1250% | 508 |
| Efficiency ratio | 47.3698% | 7,853 |
| Assets per employee ($millions) | 6.2152% | 1,024 |
| Cash dividends to net income (ytd only)* | 60.8147% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,685 |
| Loan loss allowance to noncurrent loans | 702.2222% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 6,254 |
| Noncurrent loans to loans | 0.1684% | 6,889 |
| Net loans and leases to total assets | 84.9852% | 740 |
| Net loans and leases to deposits | 100.5100% | 1,787 |
| Net loans and leases to core deposits | 116.2668% | 3,096 |
| Total domestic deposits to total assets | 84.5540% | 3,045 |
| Equity capital to assets | 9.2740% | 4,968 |
| Core capital (leverage) ratio | 9.2280% | 4,394 |
| Tier 1 risk-based capital ratio | 10.5459% | 6,161 |
| Total risk-based capital ratio | 11.7255% | 6,113 |
| Memoranda: | ||
| Average total assets | $92,197,200 | 5,286 |
| Average earning assets | $86,710,000 | 5,194 |
| Average equity | $8,292,800 | 5,980 |
| Average total loans | $80,178,200 | 4,508 |