Home > Wemple State Bank > Performance and Condition Ratios
Wemple State Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 1,818 |
| Cost of funding earning assets | 0.6810% | 3,932 |
| Net interest margin | 4.2724% | 1,547 |
| Noninterest income to average assets | 0.4452% | 4,326 |
| Noninterest expense to average assets | 2.3818% | 5,451 |
| Loan and lease loss provision to assets | 0.4787% | 1,292 |
| Net operating income to assets | 1.5361% | 964 |
| Return on assets (ROA) | 1.7061% | 753 |
| Pretax return on assets | 1.7376% | 1,187 |
| Return on Equity (ROE) | 19.3286% | 378 |
| Retained earnings to average equity (ytd only) | 9.7312% | 989 |
| Net charge-offs to loans | -0.0144% | 6,429 |
| Credit loss provision to net charge-offs | -4,860.0000% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8290% | 6,268 |
| Assets per employee ($millions) | 3.3928% | 5,224 |
| Cash dividends to net income (ytd only)* | 49.6536% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,742 |
| Loan loss allowance to noncurrent loans | 94.1645% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 4,172 |
| Noncurrent loans to loans | 1.6431% | 3,331 |
| Net loans and leases to total assets | 63.4114% | 3,135 |
| Net loans and leases to deposits | 71.0836% | 3,735 |
| Net loans and leases to core deposits | 71.0836% | 4,367 |
| Total domestic deposits to total assets | 89.2069% | 1,307 |
| Equity capital to assets | 8.7735% | 6,042 |
| Core capital (leverage) ratio | 8.6735% | 5,515 |
| Tier 1 risk-based capital ratio | 11.8768% | 6,013 |
| Total risk-based capital ratio | 13.1289% | 5,993 |
| Memoranda: | ||
| Average total assets | $67,679,000 | 5,755 |
| Average earning assets | $63,039,500 | 5,697 |
| Average equity | $5,973,750 | 6,098 |
| Average total loans | $46,247,750 | 5,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 1,534 |
| Cost of funding earning assets | 0.7236% | 3,818 |
| Net interest margin | 4.3640% | 1,298 |
| Noninterest income to average assets | 0.4572% | 4,238 |
| Noninterest expense to average assets | 2.4245% | 5,370 |
| Loan and lease loss provision to assets | 0.3700% | 1,772 |
| Net operating income to assets | 1.6775% | 706 |
| Return on assets (ROA) | 1.9251% | 509 |
| Pretax return on assets | 1.9612% | 741 |
| Return on Equity (ROE) | 21.7638% | 259 |
| Retained earnings to average equity (ytd only) | 12.2421% | 545 |
| Net charge-offs to loans | -0.0302% | 6,525 |
| Credit loss provision to net charge-offs | -1,757.1429% | 6,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8410% | 6,329 |
| Assets per employee ($millions) | 3.0969% | 5,860 |
| Cash dividends to net income (ytd only)* | 43.7500% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 4,959 |
| Loan loss allowance to noncurrent loans | 9,866.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 6,189 |
| Noncurrent loans to loans | 0.0130% | 6,667 |
| Net loans and leases to total assets | 69.9865% | 1,920 |
| Net loans and leases to deposits | 79.1607% | 2,498 |
| Net loans and leases to core deposits | 79.1607% | 3,346 |
| Total domestic deposits to total assets | 88.4107% | 1,874 |
| Equity capital to assets | 9.3966% | 5,198 |
| Core capital (leverage) ratio | 8.7706% | 5,269 |
| Tier 1 risk-based capital ratio | 11.9356% | 5,969 |
| Total risk-based capital ratio | 13.1731% | 5,946 |
| Memoranda: | ||
| Average total assets | $66,489,000 | 5,828 |
| Average earning assets | $61,640,000 | 5,781 |
| Average equity | $5,881,330 | 6,152 |
| Average total loans | $46,367,000 | 5,330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,720 |
| Cost of funding earning assets | 0.7297% | 4,028 |
| Net interest margin | 4.3200% | 1,407 |
| Noninterest income to average assets | 0.4642% | 4,192 |
| Noninterest expense to average assets | 2.4101% | 5,438 |
| Loan and lease loss provision to assets | 0.1964% | 2,981 |
| Net operating income to assets | 1.7907% | 606 |
| Return on assets (ROA) | 1.7734% | 709 |
| Pretax return on assets | 1.8210% | 1,033 |
| Return on Equity (ROE) | 20.6711% | 339 |
| Retained earnings to average equity (ytd only) | 9.9194% | 1,288 |
| Net charge-offs to loans | -0.1118% | 6,830 |
| Credit loss provision to net charge-offs | -253.8462% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2169% | 6,324 |
| Assets per employee ($millions) | 3.6923% | 4,671 |
| Cash dividends to net income (ytd only)* | 52.0134% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 5,880 |
| Loan loss allowance to noncurrent loans | 1,494.1176% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 6,161 |
| Noncurrent loans to loans | 0.0741% | 6,565 |
| Net loans and leases to total assets | 68.2661% | 2,058 |
| Net loans and leases to deposits | 77.9477% | 2,519 |
| Net loans and leases to core deposits | 77.9477% | 3,331 |
| Total domestic deposits to total assets | 87.5794% | 2,604 |
| Equity capital to assets | 8.7719% | 5,789 |
| Core capital (leverage) ratio | 8.3957% | 5,750 |
| Tier 1 risk-based capital ratio | 11.4445% | 6,313 |
| Total risk-based capital ratio | 12.5029% | 6,396 |
| Memoranda: | ||
| Average total assets | $67,216,500 | 5,852 |
| Average earning assets | $61,944,000 | 5,811 |
| Average equity | $5,766,500 | 6,208 |
| Average total loans | $46,497,000 | 5,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 1,571 |
| Cost of funding earning assets | 0.8316% | 4,616 |
| Net interest margin | 4.5155% | 1,101 |
| Noninterest income to average assets | 0.5156% | 3,746 |
| Noninterest expense to average assets | 2.7977% | 4,354 |
| Loan and lease loss provision to assets | 0.3894% | 2,658 |
| Net operating income to assets | 1.4544% | 917 |
| Return on assets (ROA) | 1.5032% | 890 |
| Pretax return on assets | 1.5313% | 1,389 |
| Return on Equity (ROE) | 18.5107% | 348 |
| Retained earnings to average equity (ytd only) | 8.1524% | 1,032 |
| Net charge-offs to loans | 0.4578% | 3,154 |
| Credit loss provision to net charge-offs | 116.2791% | 2,789 |
| Earnings coverage of net charge-offs (x) | 5.5860% | 2,747 |
| Efficiency ratio | 58.9590% | 5,904 |
| Assets per employee ($millions) | 3.9983% | 3,853 |
| Cash dividends to net income (ytd only)* | 55.9585% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 6,301 |
| Loan loss allowance to noncurrent loans | 303.9474% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 5,525 |
| Noncurrent loans to loans | 0.3226% | 6,088 |
| Net loans and leases to total assets | 68.6366% | 2,284 |
| Net loans and leases to deposits | 79.4635% | 2,619 |
| Net loans and leases to core deposits | 80.1460% | 3,437 |
| Total domestic deposits to total assets | 86.3751% | 3,095 |
| Equity capital to assets | 8.3903% | 6,257 |
| Core capital (leverage) ratio | 8.1165% | 6,119 |
| Tier 1 risk-based capital ratio | 10.7056% | 6,599 |
| Total risk-based capital ratio | 11.6300% | 6,716 |
| Memoranda: | ||
| Average total assets | $64,195,600 | 5,919 |
| Average earning assets | $59,040,800 | 5,900 |
| Average equity | $5,213,200 | 6,380 |
| Average total loans | $46,962,800 | 5,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 1,504 |
| Cost of funding earning assets | 0.8624% | 4,687 |
| Net interest margin | 4.5377% | 1,070 |
| Noninterest income to average assets | 0.4954% | 3,904 |
| Noninterest expense to average assets | 2.8478% | 4,149 |
| Loan and lease loss provision to assets | 0.4848% | 2,052 |
| Net operating income to assets | 1.3230% | 1,318 |
| Return on assets (ROA) | 1.3891% | 1,255 |
| Pretax return on assets | 1.4228% | 1,873 |
| Return on Equity (ROE) | 17.2595% | 540 |
| Retained earnings to average equity (ytd only) | 7.0453% | 1,947 |
| Net charge-offs to loans | 0.2927% | 3,626 |
| Credit loss provision to net charge-offs | 223.3010% | 1,279 |
| Earnings coverage of net charge-offs (x) | 8.4757% | 2,171 |
| Efficiency ratio | 59.4424% | 5,800 |
| Assets per employee ($millions) | 3.8648% | 4,156 |
| Cash dividends to net income (ytd only)* | 59.1812% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 5,525 |
| Loan loss allowance to noncurrent loans | 139.5466% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 4,797 |
| Noncurrent loans to loans | 0.8496% | 5,169 |
| Net loans and leases to total assets | 70.2805% | 2,028 |
| Net loans and leases to deposits | 79.9706% | 2,659 |
| Net loans and leases to core deposits | 80.6691% | 3,539 |
| Total domestic deposits to total assets | 87.8830% | 2,105 |
| Equity capital to assets | 8.4200% | 6,376 |
| Core capital (leverage) ratio | 8.2082% | 6,123 |
| Tier 1 risk-based capital ratio | 10.4959% | 6,777 |
| Total risk-based capital ratio | 11.6154% | 6,819 |
| Memoranda: | ||
| Average total assets | $63,251,750 | 5,991 |
| Average earning assets | $58,441,750 | 5,960 |
| Average equity | $5,090,750 | 6,467 |
| Average total loans | $46,924,750 | 5,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 1,332 |
| Cost of funding earning assets | 0.9073% | 4,604 |
| Net interest margin | 4.5783% | 951 |
| Noninterest income to average assets | 0.4517% | 4,272 |
| Noninterest expense to average assets | 2.9150% | 3,966 |
| Loan and lease loss provision to assets | 0.6086% | 1,576 |
| Net operating income to assets | 1.1019% | 1,867 |
| Return on assets (ROA) | 1.1019% | 1,953 |
| Pretax return on assets | 1.1468% | 2,679 |
| Return on Equity (ROE) | 13.9168% | 997 |
| Retained earnings to average equity (ytd only) | 9.0621% | 1,085 |
| Net charge-offs to loans | 0.4214% | 2,876 |
| Credit loss provision to net charge-offs | 191.9192% | 1,574 |
| Earnings coverage of net charge-offs (x) | 5.5354% | 2,592 |
| Efficiency ratio | 60.4252% | 5,812 |
| Assets per employee ($millions) | 3.6488% | 4,567 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,883 |
| Loan loss allowance to noncurrent loans | 156.0241% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 5,013 |
| Noncurrent loans to loans | 0.7166% | 5,475 |
| Net loans and leases to total assets | 73.8498% | 1,442 |
| Net loans and leases to deposits | 84.3224% | 2,059 |
| Net loans and leases to core deposits | 85.1057% | 3,056 |
| Total domestic deposits to total assets | 87.5802% | 2,423 |
| Equity capital to assets | 8.5346% | 6,146 |
| Core capital (leverage) ratio | 8.2347% | 5,972 |
| Tier 1 risk-based capital ratio | 10.7914% | 6,670 |
| Total risk-based capital ratio | 11.8769% | 6,733 |
| Memoranda: | ||
| Average total assets | $62,435,330 | 6,071 |
| Average earning assets | $57,532,330 | 6,041 |
| Average equity | $4,943,670 | 6,554 |
| Average total loans | $46,990,000 | 5,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 1,414 |
| Cost of funding earning assets | 0.9384% | 4,660 |
| Net interest margin | 4.5182% | 1,031 |
| Noninterest income to average assets | 0.4087% | 4,641 |
| Noninterest expense to average assets | 2.7396% | 4,675 |
| Loan and lease loss provision to assets | 0.6705% | 1,274 |
| Net operating income to assets | 1.1495% | 1,670 |
| Return on assets (ROA) | 1.1495% | 1,718 |
| Pretax return on assets | 1.1495% | 2,567 |
| Return on Equity (ROE) | 15.0991% | 806 |
| Retained earnings to average equity (ytd only) | 5.0330% | 3,172 |
| Net charge-offs to loans | -0.0169% | 6,520 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9832% | 6,272 |
| Assets per employee ($millions) | 3.7414% | 4,449 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,971 |
| Loan loss allowance to noncurrent loans | 81.6514% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 4,581 |
| Noncurrent loans to loans | 1.3707% | 4,415 |
| Net loans and leases to total assets | 74.1762% | 1,318 |
| Net loans and leases to deposits | 84.4699% | 1,957 |
| Net loans and leases to core deposits | 85.2330% | 3,001 |
| Total domestic deposits to total assets | 87.8137% | 2,477 |
| Equity capital to assets | 7.5813% | 6,824 |
| Core capital (leverage) ratio | 7.6543% | 6,597 |
| Tier 1 risk-based capital ratio | 10.1045% | 6,969 |
| Total risk-based capital ratio | 11.1902% | 7,025 |
| Memoranda: | ||
| Average total assets | $62,638,000 | 6,105 |
| Average earning assets | $57,545,500 | 6,080 |
| Average equity | $4,768,500 | 6,628 |
| Average total loans | $47,321,500 | 5,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 2,056 |
| Cost of funding earning assets | 1.1080% | 5,098 |
| Net interest margin | 4.4500% | 1,350 |
| Noninterest income to average assets | 0.5082% | 4,107 |
| Noninterest expense to average assets | 3.0026% | 3,842 |
| Loan and lease loss provision to assets | 0.5231% | 3,058 |
| Net operating income to assets | 1.0778% | 1,766 |
| Return on assets (ROA) | 1.0745% | 1,874 |
| Pretax return on assets | 1.0745% | 2,685 |
| Return on Equity (ROE) | 13.1949% | 1,040 |
| Retained earnings to average equity (ytd only) | 3.4058% | 3,485 |
| Net charge-offs to loans | 0.6906% | 2,936 |
| Credit loss provision to net charge-offs | 99.6835% | 4,641 |
| Earnings coverage of net charge-offs (x) | 3.0506% | 3,547 |
| Efficiency ratio | 63.1313% | 5,492 |
| Assets per employee ($millions) | 3.4262% | 5,114 |
| Cash dividends to net income (ytd only)* | 74.1886% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 6,700 |
| Loan loss allowance to noncurrent loans | 81.4885% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 4,978 |
| Noncurrent loans to loans | 1.1166% | 4,871 |
| Net loans and leases to total assets | 75.4037% | 1,401 |
| Net loans and leases to deposits | 89.1648% | 1,624 |
| Net loans and leases to core deposits | 90.0279% | 2,760 |
| Total domestic deposits to total assets | 84.5667% | 4,069 |
| Equity capital to assets | 7.6453% | 6,782 |
| Core capital (leverage) ratio | 7.8764% | 6,350 |
| Tier 1 risk-based capital ratio | 9.9244% | 7,012 |
| Total risk-based capital ratio | 10.7899% | 7,136 |
| Memoranda: | ||
| Average total assets | $60,213,600 | 6,185 |
| Average earning assets | $55,415,400 | 6,158 |
| Average equity | $4,903,400 | 6,700 |
| Average total loans | $45,760,400 | 5,662 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5579% | 2,222 |
| Cost of funding earning assets | 1.1294% | 5,256 |
| Net interest margin | 4.4284% | 1,432 |
| Noninterest income to average assets | 0.4990% | 4,197 |
| Noninterest expense to average assets | 3.0053% | 3,722 |
| Loan and lease loss provision to assets | 0.4678% | 3,131 |
| Net operating income to assets | 1.1139% | 1,843 |
| Return on assets (ROA) | 1.1094% | 1,965 |
| Pretax return on assets | 1.1094% | 2,798 |
| Return on Equity (ROE) | 13.4124% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.9486% | 1,882 |
| Net charge-offs to loans | 0.2522% | 4,435 |
| Credit loss provision to net charge-offs | 244.1860% | 1,376 |
| Earnings coverage of net charge-offs (x) | 8.2561% | 2,189 |
| Efficiency ratio | 63.3803% | 5,365 |
| Assets per employee ($millions) | 3.6448% | 4,629 |
| Cash dividends to net income (ytd only)* | 48.1927% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,593 |
| Loan loss allowance to noncurrent loans | 123.4899% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 5,330 |
| Noncurrent loans to loans | 0.9553% | 5,320 |
| Net loans and leases to total assets | 74.6264% | 1,654 |
| Net loans and leases to deposits | 86.7038% | 2,202 |
| Net loans and leases to core deposits | 87.5244% | 3,444 |
| Total domestic deposits to total assets | 86.0705% | 3,034 |
| Equity capital to assets | 8.3471% | 6,459 |
| Core capital (leverage) ratio | 8.4482% | 5,606 |
| Tier 1 risk-based capital ratio | 10.2134% | 6,952 |
| Total risk-based capital ratio | 11.3473% | 6,996 |
| Memoranda: | ||
| Average total assets | $59,849,000 | 6,274 |
| Average earning assets | $55,247,750 | 6,228 |
| Average equity | $4,950,500 | 6,767 |
| Average total loans | $45,468,000 | 5,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 2,743 |
| Cost of funding earning assets | 1.1276% | 5,536 |
| Net interest margin | 4.3239% | 1,691 |
| Noninterest income to average assets | 0.5140% | 4,000 |
| Noninterest expense to average assets | 2.9825% | 3,768 |
| Loan and lease loss provision to assets | 0.4058% | 3,284 |
| Net operating income to assets | 1.1193% | 1,785 |
| Return on assets (ROA) | 1.1125% | 1,880 |
| Pretax return on assets | 1.1125% | 2,745 |
| Return on Equity (ROE) | 13.4928% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.5714% | 1,242 |
| Net charge-offs to loans | 0.0089% | 6,231 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 225.5000% | 149 |
| Efficiency ratio | 63.9910% | 5,339 |
| Assets per employee ($millions) | 3.4166% | 5,139 |
| Cash dividends to net income (ytd only)* | 36.4742% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,313 |
| Loan loss allowance to noncurrent loans | 50.2762% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0437% | 3,447 |
| Noncurrent loans to loans | 2.4402% | 3,205 |
| Net loans and leases to total assets | 75.6827% | 1,548 |
| Net loans and leases to deposits | 88.6411% | 2,065 |
| Net loans and leases to core deposits | 89.5439% | 3,335 |
| Total domestic deposits to total assets | 85.3810% | 3,427 |
| Equity capital to assets | 8.6998% | 5,885 |
| Core capital (leverage) ratio | 8.5796% | 5,277 |
| Tier 1 risk-based capital ratio | 10.4728% | 6,708 |
| Total risk-based capital ratio | 11.6376% | 6,764 |
| Memoranda: | ||
| Average total assets | $59,144,670 | 6,346 |
| Average earning assets | $54,627,000 | 6,300 |
| Average equity | $4,876,670 | 6,822 |
| Average total loans | $45,026,670 | 5,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4641% | 2,762 |
| Cost of funding earning assets | 1.1698% | 5,556 |
| Net interest margin | 4.2943% | 1,704 |
| Noninterest income to average assets | 0.5027% | 4,029 |
| Noninterest expense to average assets | 2.8755% | 4,162 |
| Loan and lease loss provision to assets | 0.4022% | 2,957 |
| Net operating income to assets | 1.1864% | 1,576 |
| Return on assets (ROA) | 1.1864% | 1,652 |
| Pretax return on assets | 1.1864% | 2,409 |
| Return on Equity (ROE) | 14.7854% | 910 |
| Retained earnings to average equity (ytd only) | 4.7614% | 3,290 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1622% | 5,802 |
| Assets per employee ($millions) | 3.4651% | 5,115 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 6,142 |
| Loan loss allowance to noncurrent loans | 82.5719% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 4,824 |
| Noncurrent loans to loans | 1.2974% | 4,809 |
| Net loans and leases to total assets | 76.4985% | 1,434 |
| Net loans and leases to deposits | 90.1332% | 1,883 |
| Net loans and leases to core deposits | 91.0437% | 3,222 |
| Total domestic deposits to total assets | 84.8728% | 3,736 |
| Equity capital to assets | 8.2299% | 6,392 |
| Core capital (leverage) ratio | 8.0244% | 6,202 |
| Tier 1 risk-based capital ratio | 9.8880% | 7,100 |
| Total risk-based capital ratio | 10.9056% | 7,220 |
| Memoranda: | ||
| Average total assets | $59,676,000 | 6,398 |
| Average earning assets | $55,050,000 | 6,359 |
| Average equity | $4,788,500 | 6,918 |
| Average total loans | $45,288,000 | 5,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9555% | 2,033 |
| Cost of funding earning assets | 1.5130% | 5,464 |
| Net interest margin | 4.4425% | 1,309 |
| Noninterest income to average assets | 0.6084% | 3,561 |
| Noninterest expense to average assets | 3.2974% | 3,017 |
| Loan and lease loss provision to assets | 0.3796% | 4,511 |
| Net operating income to assets | 1.0123% | 1,795 |
| Return on assets (ROA) | 0.9649% | 2,014 |
| Pretax return on assets | 0.9720% | 2,680 |
| Return on Equity (ROE) | 11.3504% | 1,337 |
| Retained earnings to average equity (ytd only) | 1.3353% | 4,110 |
| Net charge-offs to loans | 0.2322% | 5,163 |
| Credit loss provision to net charge-offs | 205.7692% | 1,872 |
| Earnings coverage of net charge-offs (x) | 7.5865% | 2,121 |
| Efficiency ratio | 68.0136% | 5,002 |
| Assets per employee ($millions) | 3.5556% | 4,880 |
| Cash dividends to net income (ytd only)* | 88.2353% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,632 |
| Loan loss allowance to noncurrent loans | 77.3960% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0853% | 4,924 |
| Noncurrent loans to loans | 1.2282% | 4,894 |
| Net loans and leases to total assets | 73.7811% | 2,319 |
| Net loans and leases to deposits | 86.1129% | 2,897 |
| Net loans and leases to core deposits | 107.7509% | 3,127 |
| Total domestic deposits to total assets | 85.6795% | 3,179 |
| Equity capital to assets | 7.8236% | 6,743 |
| Core capital (leverage) ratio | 7.9858% | 6,218 |
| Tier 1 risk-based capital ratio | 9.6768% | 7,113 |
| Total risk-based capital ratio | 10.5635% | 7,312 |
| Memoranda: | ||
| Average total assets | $56,378,200 | 6,478 |
| Average earning assets | $51,885,200 | 6,466 |
| Average equity | $4,792,800 | 7,025 |
| Average total loans | $44,782,800 | 5,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0647% | 1,781 |
| Cost of funding earning assets | 1.5633% | 5,576 |
| Net interest margin | 4.5014% | 1,191 |
| Noninterest income to average assets | 0.5852% | 3,813 |
| Noninterest expense to average assets | 3.2296% | 3,190 |
| Loan and lease loss provision to assets | 0.2938% | 4,622 |
| Net operating income to assets | 1.1873% | 1,498 |
| Return on assets (ROA) | 1.1873% | 1,552 |
| Pretax return on assets | 1.2018% | 2,256 |
| Return on Equity (ROE) | 13.6692% | 986 |
| Retained earnings to average equity (ytd only) | 7.0147% | 1,496 |
| Net charge-offs to loans | 0.0119% | 6,762 |
| Credit loss provision to net charge-offs | 3,050.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 155.3433% | 243 |
| Efficiency ratio | 66.1060% | 5,340 |
| Assets per employee ($millions) | 3.2648% | 5,481 |
| Cash dividends to net income (ytd only)* | 48.6810% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,526 |
| Loan loss allowance to noncurrent loans | 90.8333% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 4,952 |
| Noncurrent loans to loans | 1.0486% | 5,223 |
| Net loans and leases to total assets | 81.6871% | 866 |
| Net loans and leases to deposits | 98.0217% | 1,327 |
| Net loans and leases to core deposits | 117.2767% | 2,496 |
| Total domestic deposits to total assets | 83.3357% | 4,047 |
| Equity capital to assets | 9.0447% | 5,422 |
| Core capital (leverage) ratio | 8.5794% | 5,328 |
| Tier 1 risk-based capital ratio | 10.0956% | 6,885 |
| Total risk-based capital ratio | 11.0039% | 7,147 |
| Memoranda: | ||
| Average total assets | $55,361,500 | 6,567 |
| Average earning assets | $50,916,000 | 6,543 |
| Average equity | $4,808,750 | 7,078 |
| Average total loans | $44,722,250 | 5,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1316% | 1,684 |
| Cost of funding earning assets | 1.6794% | 5,369 |
| Net interest margin | 4.4522% | 1,285 |
| Noninterest income to average assets | 0.5785% | 3,847 |
| Noninterest expense to average assets | 3.1456% | 3,519 |
| Loan and lease loss provision to assets | 0.2242% | 4,790 |
| Net operating income to assets | 1.2799% | 1,277 |
| Return on assets (ROA) | 1.2799% | 1,365 |
| Pretax return on assets | 1.3016% | 2,021 |
| Return on Equity (ROE) | 14.9420% | 839 |
| Retained earnings to average equity (ytd only) | 4.8118% | 2,634 |
| Net charge-offs to loans | 0.0045% | 6,548 |
| Credit loss provision to net charge-offs | 6,200.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 86 |
| Efficiency ratio | 65.0929% | 5,701 |
| Assets per employee ($millions) | 3.0750% | 5,933 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 6,940 |
| Loan loss allowance to noncurrent loans | 117.7019% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,440 |
| Noncurrent loans to loans | 0.7306% | 5,781 |
| Net loans and leases to total assets | 78.9431% | 1,537 |
| Net loans and leases to deposits | 93.7078% | 2,136 |
| Net loans and leases to core deposits | 106.7450% | 3,749 |
| Total domestic deposits to total assets | 84.2439% | 3,628 |
| Equity capital to assets | 8.6396% | 5,835 |
| Core capital (leverage) ratio | 8.5530% | 5,350 |
| Tier 1 risk-based capital ratio | 10.1023% | 6,817 |
| Total risk-based capital ratio | 10.9183% | 7,201 |
| Memoranda: | ||
| Average total assets | $55,314,670 | 6,624 |
| Average earning assets | $50,851,330 | 6,599 |
| Average equity | $4,738,330 | 7,158 |
| Average total loans | $44,371,670 | 6,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1864% | 1,645 |
| Cost of funding earning assets | 1.7709% | 5,255 |
| Net interest margin | 4.4155% | 1,312 |
| Noninterest income to average assets | 0.4919% | 4,396 |
| Noninterest expense to average assets | 3.2334% | 2,846 |
| Loan and lease loss provision to assets | 0.2170% | 4,280 |
| Net operating income to assets | 1.0923% | 1,988 |
| Return on assets (ROA) | 1.0923% | 2,117 |
| Pretax return on assets | 1.1357% | 2,847 |
| Return on Equity (ROE) | 12.8061% | 1,438 |
| Retained earnings to average equity (ytd only) | 2.6291% | 4,419 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1388% | 4,938 |
| Assets per employee ($millions) | 3.0067% | 6,133 |
| Cash dividends to net income (ytd only)* | 79.4702% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 7,130 |
| Loan loss allowance to noncurrent loans | 135.7977% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 5,457 |
| Noncurrent loans to loans | 0.5952% | 5,907 |
| Net loans and leases to total assets | 79.1393% | 1,552 |
| Net loans and leases to deposits | 92.1255% | 2,571 |
| Net loans and leases to core deposits | 108.4000% | 3,625 |
| Total domestic deposits to total assets | 85.9038% | 2,772 |
| Equity capital to assets | 8.6602% | 5,825 |
| Core capital (leverage) ratio | 8.1328% | 6,221 |
| Tier 1 risk-based capital ratio | 10.3632% | 6,529 |
| Total risk-based capital ratio | 11.1505% | 6,931 |
| Memoranda: | ||
| Average total assets | $55,297,000 | 6,659 |
| Average earning assets | $51,273,500 | 6,610 |
| Average equity | $4,716,500 | 7,217 |
| Average total loans | $44,520,500 | 6,041 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7245% | 1,941 |
| Cost of funding earning assets | 2.2934% | 5,182 |
| Net interest margin | 4.4312% | 1,593 |
| Noninterest income to average assets | 0.5378% | 4,334 |
| Noninterest expense to average assets | 3.1610% | 3,476 |
| Loan and lease loss provision to assets | 0.4197% | 3,186 |
| Net operating income to assets | 1.0024% | 2,548 |
| Return on assets (ROA) | 1.0024% | 2,427 |
| Pretax return on assets | 1.0118% | 3,335 |
| Return on Equity (ROE) | 11.5446% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.2800% | 3,111 |
| Net charge-offs to loans | 0.8207% | 1,526 |
| Credit loss provision to net charge-offs | 63.2768% | 6,185 |
| Earnings coverage of net charge-offs (x) | 2.1582% | 4,995 |
| Efficiency ratio | 66.4627% | 5,027 |
| Assets per employee ($millions) | 3.3219% | 5,159 |
| Cash dividends to net income (ytd only)* | 71.5888% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 7,449 |
| Loan loss allowance to noncurrent loans | 106.0000% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,079 |
| Noncurrent loans to loans | 0.6542% | 5,406 |
| Net loans and leases to total assets | 80.6456% | 1,518 |
| Net loans and leases to deposits | 93.3201% | 2,897 |
| Net loans and leases to core deposits | 120.5128% | 2,638 |
| Total domestic deposits to total assets | 86.4183% | 2,210 |
| Equity capital to assets | 8.4040% | 6,247 |
| Core capital (leverage) ratio | 7.9576% | 6,557 |
| Tier 1 risk-based capital ratio | 9.6034% | 7,207 |
| Total risk-based capital ratio | 10.2749% | 7,747 |
| Memoranda: | ||
| Average total assets | $53,369,400 | 6,645 |
| Average earning assets | $48,836,000 | 6,643 |
| Average equity | $4,634,200 | 7,287 |
| Average total loans | $43,134,400 | 6,016 |