Home > West Liberty State Bank > Performance and Condition Ratios
West Liberty State Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 5,615 |
| Cost of funding earning assets | 0.5368% | 1,957 |
| Net interest margin | 2.6842% | 5,826 |
| Noninterest income to average assets | 0.2579% | 5,109 |
| Noninterest expense to average assets | 1.5920% | 6,121 |
| Loan and lease loss provision to assets | 0.0356% | 3,187 |
| Net operating income to assets | 1.0866% | 1,914 |
| Return on assets (ROA) | 1.1162% | 1,917 |
| Pretax return on assets | 1.1740% | 2,763 |
| Return on Equity (ROE) | 8.4804% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.4804% | 1,383 |
| Net charge-offs to loans | -0.1947% | 6,055 |
| Credit loss provision to net charge-offs | -66.6667% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4639% | 5,397 |
| Assets per employee ($millions) | 6.8994% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,949 |
| Loan loss allowance to noncurrent loans | 191.1392% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 5,246 |
| Noncurrent loans to loans | 0.6310% | 3,697 |
| Net loans and leases to total assets | 27.5811% | 6,151 |
| Net loans and leases to deposits | 33.8080% | 6,127 |
| Net loans and leases to core deposits | 43.7903% | 5,848 |
| Total domestic deposits to total assets | 81.5814% | 4,646 |
| Equity capital to assets | 13.4059% | 1,215 |
| Core capital (leverage) ratio | 10.7936% | 2,632 |
| Tier 1 risk-based capital ratio | 27.2503% | 694 |
| Total risk-based capital ratio | 28.1275% | 708 |
| Memoranda: | ||
| Average total assets | $89,951,000 | 4,810 |
| Average earning assets | $84,195,500 | 4,769 |
| Average equity | $11,839,000 | 4,441 |
| Average total loans | $24,647,000 | 5,728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2857% | 5,719 |
| Cost of funding earning assets | 0.6969% | 1,128 |
| Net interest margin | 2.5888% | 6,089 |
| Noninterest income to average assets | 0.2596% | 5,272 |
| Noninterest expense to average assets | 1.9688% | 5,825 |
| Loan and lease loss provision to assets | 0.0893% | 2,685 |
| Net operating income to assets | 0.5729% | 4,495 |
| Return on assets (ROA) | 0.6182% | 4,387 |
| Pretax return on assets | 0.6515% | 4,777 |
| Return on Equity (ROE) | 4.8241% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.8241% | 2,741 |
| Net charge-offs to loans | 0.0900% | 3,207 |
| Credit loss provision to net charge-offs | 357.1429% | 734 |
| Earnings coverage of net charge-offs (x) | 27.7143% | 1,425 |
| Efficiency ratio | 64.6532% | 4,468 |
| Assets per employee ($millions) | 6.9392% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 4,210 |
| Loan loss allowance to noncurrent loans | 178.4810% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 5,325 |
| Noncurrent loans to loans | 0.6514% | 3,734 |
| Net loans and leases to total assets | 26.5736% | 6,268 |
| Net loans and leases to deposits | 32.2321% | 6,254 |
| Net loans and leases to core deposits | 42.2742% | 6,026 |
| Total domestic deposits to total assets | 82.4443% | 4,270 |
| Equity capital to assets | 12.9187% | 1,406 |
| Core capital (leverage) ratio | 10.4839% | 2,964 |
| Tier 1 risk-based capital ratio | 26.1541% | 750 |
| Total risk-based capital ratio | 26.9637% | 772 |
| Memoranda: | ||
| Average total assets | $83,959,800 | 4,962 |
| Average earning assets | $77,912,400 | 4,926 |
| Average equity | $10,758,400 | 4,609 |
| Average total loans | $23,336,000 | 5,843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 5,683 |
| Cost of funding earning assets | 0.7145% | 1,082 |
| Net interest margin | 2.6291% | 6,100 |
| Noninterest income to average assets | 0.2508% | 5,422 |
| Noninterest expense to average assets | 2.1084% | 5,548 |
| Loan and lease loss provision to assets | 0.0615% | 3,128 |
| Net operating income to assets | 0.4903% | 4,908 |
| Return on assets (ROA) | 0.5518% | 4,747 |
| Pretax return on assets | 0.5809% | 5,083 |
| Return on Equity (ROE) | 4.3159% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.3159% | 3,581 |
| Net charge-offs to loans | 0.1212% | 2,598 |
| Credit loss provision to net charge-offs | 180.9524% | 1,382 |
| Earnings coverage of net charge-offs (x) | 16.9996% | 1,929 |
| Efficiency ratio | 68.6747% | 3,733 |
| Assets per employee ($millions) | 6.3282% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 5,127 |
| Loan loss allowance to noncurrent loans | 153.7500% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 5,435 |
| Noncurrent loans to loans | 0.6625% | 3,955 |
| Net loans and leases to total assets | 29.0570% | 6,283 |
| Net loans and leases to deposits | 35.7267% | 6,253 |
| Net loans and leases to core deposits | 43.8187% | 6,043 |
| Total domestic deposits to total assets | 81.3313% | 4,721 |
| Equity capital to assets | 13.5147% | 1,176 |
| Core capital (leverage) ratio | 11.0002% | 2,481 |
| Tier 1 risk-based capital ratio | 26.7369% | 723 |
| Total risk-based capital ratio | 27.4774% | 745 |
| Memoranda: | ||
| Average total assets | $82,397,250 | 5,056 |
| Average earning assets | $76,324,250 | 5,032 |
| Average equity | $10,534,500 | 4,683 |
| Average total loans | $23,106,500 | 5,911 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 5,779 |
| Cost of funding earning assets | 0.7216% | 1,074 |
| Net interest margin | 2.5846% | 6,189 |
| Noninterest income to average assets | 0.2305% | 5,548 |
| Noninterest expense to average assets | 2.1130% | 5,599 |
| Loan and lease loss provision to assets | 0.0728% | 2,818 |
| Net operating income to assets | 0.4124% | 5,166 |
| Return on assets (ROA) | 0.5046% | 4,880 |
| Pretax return on assets | 0.5313% | 5,188 |
| Return on Equity (ROE) | 4.0232% | 5,132 |
| Retained earnings to average equity (ytd only) | 4.0232% | 3,618 |
| Net charge-offs to loans | 0.1758% | 1,982 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 10.4500% | 2,246 |
| Efficiency ratio | 70.5556% | 3,562 |
| Assets per employee ($millions) | 6.4007% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 5,171 |
| Loan loss allowance to noncurrent loans | 147.5309% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 5,545 |
| Noncurrent loans to loans | 0.7025% | 3,951 |
| Net loans and leases to total assets | 27.4285% | 6,386 |
| Net loans and leases to deposits | 34.5866% | 6,334 |
| Net loans and leases to core deposits | 40.2920% | 6,214 |
| Total domestic deposits to total assets | 79.3039% | 5,386 |
| Equity capital to assets | 13.1056% | 1,319 |
| Core capital (leverage) ratio | 10.6182% | 2,805 |
| Tier 1 risk-based capital ratio | 26.9513% | 705 |
| Total risk-based capital ratio | 27.6894% | 719 |
| Memoranda: | ||
| Average total assets | $82,441,000 | 5,098 |
| Average earning assets | $76,221,670 | 5,065 |
| Average equity | $10,340,000 | 4,735 |
| Average total loans | $22,758,670 | 5,967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 5,768 |
| Cost of funding earning assets | 0.7359% | 1,041 |
| Net interest margin | 2.6048% | 6,233 |
| Noninterest income to average assets | 0.2681% | 5,224 |
| Noninterest expense to average assets | 2.1156% | 5,653 |
| Loan and lease loss provision to assets | 0.0390% | 3,292 |
| Net operating income to assets | 0.4842% | 4,767 |
| Return on assets (ROA) | 0.5850% | 4,337 |
| Pretax return on assets | 0.6191% | 4,769 |
| Return on Equity (ROE) | 4.7726% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.7726% | 3,249 |
| Net charge-offs to loans | 1.3270% | 246 |
| Credit loss provision to net charge-offs | 10.6667% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.5067% | 3,080 |
| Efficiency ratio | 69.4698% | 3,920 |
| Assets per employee ($millions) | 5.9088% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 6,269 |
| Loan loss allowance to noncurrent loans | 51.7685% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 2,976 |
| Noncurrent loans to loans | 1.3648% | 2,745 |
| Net loans and leases to total assets | 27.3515% | 6,435 |
| Net loans and leases to deposits | 33.1998% | 6,393 |
| Net loans and leases to core deposits | 38.4678% | 6,299 |
| Total domestic deposits to total assets | 82.3846% | 4,822 |
| Equity capital to assets | 12.4802% | 1,587 |
| Core capital (leverage) ratio | 10.7074% | 2,696 |
| Tier 1 risk-based capital ratio | 26.1837% | 777 |
| Total risk-based capital ratio | 26.6783% | 826 |
| Memoranda: | ||
| Average total assets | $82,057,000 | 5,160 |
| Average earning assets | $75,552,000 | 5,131 |
| Average equity | $10,057,500 | 4,803 |
| Average total loans | $22,607,000 | 6,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 6,225 |
| Cost of funding earning assets | 0.8106% | 1,159 |
| Net interest margin | 2.3071% | 6,520 |
| Noninterest income to average assets | 0.2429% | 5,608 |
| Noninterest expense to average assets | 2.1931% | 5,646 |
| Loan and lease loss provision to assets | 0.1683% | 2,174 |
| Net operating income to assets | -0.0036% | 6,220 |
| Return on assets (ROA) | 0.0361% | 6,200 |
| Pretax return on assets | 0.0373% | 6,173 |
| Return on Equity (ROE) | 0.2855% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.2855% | 5,718 |
| Net charge-offs to loans | 1.1849% | 452 |
| Credit loss provision to net charge-offs | 56.0000% | 3,675 |
| Earnings coverage of net charge-offs (x) | 0.5480% | 4,898 |
| Efficiency ratio | 81.9480% | 1,883 |
| Assets per employee ($millions) | 6.2608% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 5,477 |
| Loan loss allowance to noncurrent loans | 98.7013% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 3,301 |
| Noncurrent loans to loans | 1.0300% | 3,454 |
| Net loans and leases to total assets | 27.2745% | 6,539 |
| Net loans and leases to deposits | 33.1754% | 6,504 |
| Net loans and leases to core deposits | 37.8868% | 6,421 |
| Total domestic deposits to total assets | 82.2130% | 4,803 |
| Equity capital to assets | 12.0296% | 1,780 |
| Core capital (leverage) ratio | 10.3792% | 3,047 |
| Tier 1 risk-based capital ratio | 25.7971% | 789 |
| Total risk-based capital ratio | 26.5035% | 817 |
| Memoranda: | ||
| Average total assets | $83,169,400 | 5,157 |
| Average earning assets | $76,242,200 | 5,146 |
| Average equity | $10,509,000 | 4,741 |
| Average total loans | $21,099,400 | 6,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 6,374 |
| Cost of funding earning assets | 0.8163% | 1,229 |
| Net interest margin | 2.2314% | 6,627 |
| Noninterest income to average assets | 0.2950% | 5,341 |
| Noninterest expense to average assets | 2.2085% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1250% | 6,089 |
| Return on assets (ROA) | 0.1770% | 6,040 |
| Pretax return on assets | 0.1850% | 6,063 |
| Return on Equity (ROE) | 1.3847% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.3847% | 5,428 |
| Net charge-offs to loans | -0.0129% | 5,943 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2993% | 1,674 |
| Assets per employee ($millions) | 5.8856% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 3,091 |
| Loan loss allowance to noncurrent loans | 76.2332% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 2,915 |
| Noncurrent loans to loans | 2.0741% | 2,163 |
| Net loans and leases to total assets | 25.6836% | 6,656 |
| Net loans and leases to deposits | 32.3890% | 6,609 |
| Net loans and leases to core deposits | 36.9466% | 6,534 |
| Total domestic deposits to total assets | 79.2971% | 5,676 |
| Equity capital to assets | 11.9759% | 1,934 |
| Core capital (leverage) ratio | 10.2542% | 3,316 |
| Tier 1 risk-based capital ratio | 26.4507% | 750 |
| Total risk-based capital ratio | 27.5276% | 757 |
| Memoranda: | ||
| Average total assets | $83,614,000 | 5,201 |
| Average earning assets | $76,602,250 | 5,179 |
| Average equity | $10,688,500 | 4,757 |
| Average total loans | $20,767,500 | 6,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 6,406 |
| Cost of funding earning assets | 0.8126% | 1,353 |
| Net interest margin | 2.2275% | 6,668 |
| Noninterest income to average assets | 0.2785% | 5,463 |
| Noninterest expense to average assets | 2.2328% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0837% | 6,170 |
| Return on assets (ROA) | 0.1357% | 6,157 |
| Pretax return on assets | 0.1428% | 6,170 |
| Return on Equity (ROE) | 1.0400% | 6,204 |
| Retained earnings to average equity (ytd only) | 1.0400% | 5,488 |
| Net charge-offs to loans | -0.0097% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0256% | 1,525 |
| Assets per employee ($millions) | 6.1409% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 3,040 |
| Loan loss allowance to noncurrent loans | 77.5744% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 3,179 |
| Noncurrent loans to loans | 2.1031% | 2,276 |
| Net loans and leases to total assets | 23.7752% | 6,725 |
| Net loans and leases to deposits | 28.5686% | 6,728 |
| Net loans and leases to core deposits | 32.7061% | 6,668 |
| Total domestic deposits to total assets | 83.2213% | 4,619 |
| Equity capital to assets | 11.7096% | 2,123 |
| Core capital (leverage) ratio | 10.2052% | 3,221 |
| Tier 1 risk-based capital ratio | 26.0837% | 764 |
| Total risk-based capital ratio | 27.1578% | 766 |
| Memoranda: | ||
| Average total assets | $84,019,000 | 5,223 |
| Average earning assets | $77,037,330 | 5,194 |
| Average equity | $10,962,000 | 4,733 |
| Average total loans | $20,522,330 | 6,279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1220% | 6,380 |
| Cost of funding earning assets | 0.8332% | 1,348 |
| Net interest margin | 2.2888% | 6,691 |
| Noninterest income to average assets | 0.2601% | 5,600 |
| Noninterest expense to average assets | 2.3410% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0096% | 6,327 |
| Return on assets (ROA) | 0.0096% | 6,404 |
| Pretax return on assets | 0.0096% | 6,397 |
| Return on Equity (ROE) | 0.0701% | 6,409 |
| Retained earnings to average equity (ytd only) | 0.0701% | 5,751 |
| Net charge-offs to loans | -0.0196% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5246% | 1,273 |
| Assets per employee ($millions) | 5.9149% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,048 |
| Loan loss allowance to noncurrent loans | 77.5744% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 3,261 |
| Noncurrent loans to loans | 2.1790% | 2,414 |
| Net loans and leases to total assets | 23.8090% | 6,779 |
| Net loans and leases to deposits | 29.3782% | 6,759 |
| Net loans and leases to core deposits | 33.3768% | 6,689 |
| Total domestic deposits to total assets | 81.0431% | 5,482 |
| Equity capital to assets | 13.6893% | 1,141 |
| Core capital (leverage) ratio | 10.3111% | 3,012 |
| Tier 1 risk-based capital ratio | 25.4486% | 846 |
| Total risk-based capital ratio | 26.4991% | 847 |
| Memoranda: | ||
| Average total assets | $83,042,500 | 5,297 |
| Average earning assets | $75,848,500 | 5,272 |
| Average equity | $11,409,500 | 4,700 |
| Average total loans | $20,394,000 | 6,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 6,341 |
| Cost of funding earning assets | 0.9626% | 1,568 |
| Net interest margin | 2.5565% | 6,674 |
| Noninterest income to average assets | 0.1487% | 6,296 |
| Noninterest expense to average assets | 2.4909% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0269% | 6,209 |
| Return on assets (ROA) | 0.3035% | 5,666 |
| Pretax return on assets | 0.3195% | 5,783 |
| Return on Equity (ROE) | 2.1099% | 5,866 |
| Retained earnings to average equity (ytd only) | 0.7517% | 5,487 |
| Net charge-offs to loans | 1.4827% | 607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 5,525 |
| Efficiency ratio | 90.3194% | 1,035 |
| Assets per employee ($millions) | 5.9483% | 1,320 |
| Cash dividends to net income (ytd only)* | 64.3725% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,185 |
| Loan loss allowance to noncurrent loans | 77.3455% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 3,393 |
| Noncurrent loans to loans | 2.1078% | 2,571 |
| Net loans and leases to total assets | 24.4908% | 6,849 |
| Net loans and leases to deposits | 30.2943% | 6,823 |
| Net loans and leases to core deposits | 33.8355% | 6,773 |
| Total domestic deposits to total assets | 80.8432% | 5,443 |
| Equity capital to assets | 13.7891% | 1,122 |
| Core capital (leverage) ratio | 10.1991% | 3,143 |
| Tier 1 risk-based capital ratio | 24.8530% | 867 |
| Total risk-based capital ratio | 25.8829% | 877 |
| Memoranda: | ||
| Average total assets | $81,377,400 | 5,316 |
| Average earning assets | $73,655,200 | 5,321 |
| Average equity | $11,706,600 | 4,630 |
| Average total loans | $21,717,000 | 6,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 6,377 |
| Cost of funding earning assets | 0.9904% | 1,622 |
| Net interest margin | 2.6229% | 6,737 |
| Noninterest income to average assets | 0.2686% | 5,631 |
| Noninterest expense to average assets | 2.3830% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2431% | 5,798 |
| Return on assets (ROA) | 0.4598% | 5,246 |
| Pretax return on assets | 0.4812% | 5,512 |
| Return on Equity (ROE) | 3.1625% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.7909% | 5,434 |
| Net charge-offs to loans | 0.8378% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1232% | 4,735 |
| Efficiency ratio | 80.1374% | 2,076 |
| Assets per employee ($millions) | 6.2952% | 1,068 |
| Cash dividends to net income (ytd only)* | 43.3694% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5547% | 1,138 |
| Loan loss allowance to noncurrent loans | 40.1078% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4427% | 2,165 |
| Noncurrent loans to loans | 6.3695% | 609 |
| Net loans and leases to total assets | 24.2836% | 6,963 |
| Net loans and leases to deposits | 30.8697% | 6,932 |
| Net loans and leases to core deposits | 35.2758% | 6,871 |
| Total domestic deposits to total assets | 78.6649% | 5,939 |
| Equity capital to assets | 14.6841% | 915 |
| Core capital (leverage) ratio | 10.2733% | 3,198 |
| Tier 1 risk-based capital ratio | 26.0454% | 818 |
| Total risk-based capital ratio | 27.2278% | 816 |
| Memoranda: | ||
| Average total assets | $80,902,750 | 5,381 |
| Average earning assets | $73,099,250 | 5,398 |
| Average equity | $11,762,500 | 4,661 |
| Average total loans | $21,963,000 | 6,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 6,397 |
| Cost of funding earning assets | 1.0051% | 1,737 |
| Net interest margin | 2.6601% | 6,760 |
| Noninterest income to average assets | 0.2755% | 5,607 |
| Noninterest expense to average assets | 2.3675% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2929% | 5,644 |
| Return on assets (ROA) | 0.4740% | 5,185 |
| Pretax return on assets | 0.4938% | 5,452 |
| Return on Equity (ROE) | 3.2712% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.8839% | 5,261 |
| Net charge-offs to loans | 1.3697% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.7987% | 4,656 |
| Efficiency ratio | 78.4587% | 2,403 |
| Assets per employee ($millions) | 5.8556% | 1,328 |
| Cash dividends to net income (ytd only)* | 42.4084% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3744% | 1,453 |
| Loan loss allowance to noncurrent loans | 38.9530% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.4385% | 2,293 |
| Noncurrent loans to loans | 6.0954% | 714 |
| Net loans and leases to total assets | 25.3788% | 6,997 |
| Net loans and leases to deposits | 31.6638% | 6,971 |
| Net loans and leases to core deposits | 36.0759% | 6,912 |
| Total domestic deposits to total assets | 80.1508% | 5,705 |
| Equity capital to assets | 14.3636% | 955 |
| Core capital (leverage) ratio | 10.3332% | 3,008 |
| Tier 1 risk-based capital ratio | 25.8796% | 816 |
| Total risk-based capital ratio | 27.1304% | 797 |
| Memoranda: | ||
| Average total assets | $80,591,330 | 5,414 |
| Average earning assets | $72,630,000 | 5,441 |
| Average equity | $11,677,670 | 4,681 |
| Average total loans | $22,486,000 | 6,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 6,363 |
| Cost of funding earning assets | 1.0111% | 1,914 |
| Net interest margin | 2.7316% | 6,736 |
| Noninterest income to average assets | 0.2804% | 5,621 |
| Noninterest expense to average assets | 2.3931% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3194% | 5,590 |
| Return on assets (ROA) | 0.6809% | 4,190 |
| Pretax return on assets | 0.7159% | 4,739 |
| Return on Equity (ROE) | 4.6780% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.2677% | 4,609 |
| Net charge-offs to loans | 2.6871% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4323% | 4,135 |
| Efficiency ratio | 77.7982% | 2,525 |
| Assets per employee ($millions) | 5.7721% | 1,451 |
| Cash dividends to net income (ytd only)* | 30.1471% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 1,837 |
| Loan loss allowance to noncurrent loans | 38.8761% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 2.4737% | 2,390 |
| Noncurrent loans to loans | 5.7217% | 910 |
| Net loans and leases to total assets | 27.4697% | 6,993 |
| Net loans and leases to deposits | 34.3532% | 6,939 |
| Net loans and leases to core deposits | 38.8518% | 6,860 |
| Total domestic deposits to total assets | 79.9626% | 5,860 |
| Equity capital to assets | 14.5318% | 855 |
| Core capital (leverage) ratio | 10.5533% | 2,692 |
| Tier 1 risk-based capital ratio | 24.4045% | 960 |
| Total risk-based capital ratio | 25.6855% | 945 |
| Memoranda: | ||
| Average total assets | $79,898,000 | 5,478 |
| Average earning assets | $71,605,500 | 5,512 |
| Average equity | $11,629,000 | 4,697 |
| Average total loans | $23,073,500 | 6,459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 5,468 |
| Cost of funding earning assets | 1.1073% | 2,621 |
| Net interest margin | 3.2821% | 5,868 |
| Noninterest income to average assets | 0.4064% | 4,566 |
| Noninterest expense to average assets | 2.5513% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7515% | 3,256 |
| Return on assets (ROA) | 0.7696% | 3,341 |
| Pretax return on assets | 0.8064% | 3,961 |
| Return on Equity (ROE) | 5.2196% | 4,282 |
| Retained earnings to average equity (ytd only) | -0.0172% | 5,844 |
| Net charge-offs to loans | 0.5371% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.4928% | 3,094 |
| Efficiency ratio | 68.1628% | 4,324 |
| Assets per employee ($millions) | 5.6419% | 1,490 |
| Cash dividends to net income (ytd only)* | 100.3300% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 963 |
| Loan loss allowance to noncurrent loans | 151.0297% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 4,738 |
| Noncurrent loans to loans | 1.8640% | 3,396 |
| Net loans and leases to total assets | 28.8453% | 7,039 |
| Net loans and leases to deposits | 36.2174% | 6,991 |
| Net loans and leases to core deposits | 40.0105% | 6,946 |
| Total domestic deposits to total assets | 79.6448% | 5,834 |
| Equity capital to assets | 14.5783% | 875 |
| Core capital (leverage) ratio | 10.3649% | 2,889 |
| Tier 1 risk-based capital ratio | 23.8118% | 979 |
| Total risk-based capital ratio | 25.0705% | 966 |
| Memoranda: | ||
| Average total assets | $78,743,200 | 5,486 |
| Average earning assets | $70,352,200 | 5,528 |
| Average equity | $11,610,000 | 4,636 |
| Average total loans | $25,693,000 | 6,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 5,556 |
| Cost of funding earning assets | 1.1164% | 2,866 |
| Net interest margin | 3.3001% | 5,856 |
| Noninterest income to average assets | 0.4829% | 4,016 |
| Noninterest expense to average assets | 2.6553% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7418% | 3,420 |
| Return on assets (ROA) | 0.7659% | 3,477 |
| Pretax return on assets | 0.8083% | 4,099 |
| Return on Equity (ROE) | 5.1802% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.9425% | 3,917 |
| Net charge-offs to loans | 0.6957% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.3723% | 3,466 |
| Efficiency ratio | 69.1966% | 4,094 |
| Assets per employee ($millions) | 5.5038% | 1,597 |
| Cash dividends to net income (ytd only)* | 23.8945% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 1,265 |
| Loan loss allowance to noncurrent loans | 151.2586% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 4,642 |
| Noncurrent loans to loans | 1.7186% | 3,735 |
| Net loans and leases to total assets | 32.1428% | 7,021 |
| Net loans and leases to deposits | 41.6357% | 6,926 |
| Net loans and leases to core deposits | 46.3715% | 6,830 |
| Total domestic deposits to total assets | 77.2001% | 6,345 |
| Equity capital to assets | 15.6684% | 691 |
| Core capital (leverage) ratio | 10.8541% | 2,516 |
| Tier 1 risk-based capital ratio | 23.6576% | 1,051 |
| Total risk-based capital ratio | 24.9157% | 1,037 |
| Memoranda: | ||
| Average total assets | $78,682,250 | 5,535 |
| Average earning assets | $70,460,750 | 5,567 |
| Average equity | $11,633,750 | 4,652 |
| Average total loans | $26,255,250 | 6,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 5,721 |
| Cost of funding earning assets | 1.1144% | 3,134 |
| Net interest margin | 3.2780% | 5,919 |
| Noninterest income to average assets | 0.5756% | 3,297 |
| Noninterest expense to average assets | 2.5547% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9000% | 2,640 |
| Return on assets (ROA) | 1.1158% | 1,913 |
| Pretax return on assets | 1.1739% | 2,580 |
| Return on Equity (ROE) | 7.6954% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.4419% | 2,174 |
| Net charge-offs to loans | 0.8820% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.2051% | 3,270 |
| Efficiency ratio | 65.1045% | 5,041 |
| Assets per employee ($millions) | 5.8000% | 1,302 |
| Cash dividends to net income (ytd only)* | 16.2896% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 1,253 |
| Loan loss allowance to noncurrent loans | 90.0794% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0357% | 4,813 |
| Noncurrent loans to loans | 2.9349% | 2,480 |
| Net loans and leases to total assets | 30.8842% | 7,150 |
| Net loans and leases to deposits | 38.7928% | 7,101 |
| Net loans and leases to core deposits | 43.5594% | 7,022 |
| Total domestic deposits to total assets | 79.6133% | 5,924 |
| Equity capital to assets | 14.6983% | 893 |
| Core capital (leverage) ratio | 10.5260% | 2,689 |
| Tier 1 risk-based capital ratio | 23.0439% | 1,111 |
| Total risk-based capital ratio | 24.3049% | 1,093 |
| Memoranda: | ||
| Average total assets | $79,225,330 | 5,571 |
| Average earning assets | $70,713,000 | 5,612 |
| Average equity | $11,487,330 | 4,689 |
| Average total loans | $26,531,000 | 6,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 5,785 |
| Cost of funding earning assets | 1.1275% | 3,310 |
| Net interest margin | 3.2437% | 5,941 |
| Noninterest income to average assets | 0.8538% | 1,838 |
| Noninterest expense to average assets | 2.5665% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0992% | 1,847 |
| Return on assets (ROA) | 1.0021% | 2,226 |
| Pretax return on assets | 1.0532% | 2,930 |
| Return on Equity (ROE) | 6.9605% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.6821% | 2,806 |
| Net charge-offs to loans | 2.0656% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6259% | 3,499 |
| Efficiency ratio | 61.5385% | 5,752 |
| Assets per employee ($millions) | 5.6346% | 1,463 |
| Cash dividends to net income (ytd only)* | 18.3673% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4808% | 1,486 |
| Loan loss allowance to noncurrent loans | 87.1693% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 4,281 |
| Noncurrent loans to loans | 2.8460% | 2,651 |
| Net loans and leases to total assets | 32.8394% | 7,134 |
| Net loans and leases to deposits | 41.1648% | 7,059 |
| Net loans and leases to core deposits | 46.8809% | 6,932 |
| Total domestic deposits to total assets | 79.7754% | 5,999 |
| Equity capital to assets | 14.4009% | 909 |
| Core capital (leverage) ratio | 10.5714% | 2,540 |
| Tier 1 risk-based capital ratio | 21.5476% | 1,307 |
| Total risk-based capital ratio | 22.8295% | 1,279 |
| Memoranda: | ||
| Average total assets | $78,238,000 | 5,637 |
| Average earning assets | $69,180,500 | 5,695 |
| Average equity | $11,263,500 | 4,728 |
| Average total loans | $26,917,000 | 6,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 5,138 |
| Cost of funding earning assets | 1.6073% | 2,033 |
| Net interest margin | 3.2680% | 6,078 |
| Noninterest income to average assets | 0.1250% | 6,776 |
| Noninterest expense to average assets | 2.4832% | 5,855 |
| Loan and lease loss provision to assets | -0.1895% | 7,623 |
| Net operating income to assets | 0.6570% | 3,405 |
| Return on assets (ROA) | 0.9031% | 2,509 |
| Pretax return on assets | 0.9435% | 3,122 |
| Return on Equity (ROE) | 6.5030% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.8117% | 1,930 |
| Net charge-offs to loans | 1.4933% | 1,474 |
| Credit loss provision to net charge-offs | -35.2113% | 6,996 |
| Earnings coverage of net charge-offs (x) | 0.9249% | 5,187 |
| Efficiency ratio | 74.1102% | 3,377 |
| Assets per employee ($millions) | 5.5423% | 1,539 |
| Cash dividends to net income (ytd only)* | 10.6294% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9263% | 926 |
| Loan loss allowance to noncurrent loans | 87.8855% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7168% | 2,570 |
| Noncurrent loans to loans | 3.3297% | 2,282 |
| Net loans and leases to total assets | 34.1169% | 7,224 |
| Net loans and leases to deposits | 42.8239% | 7,158 |
| Net loans and leases to core deposits | 48.0052% | 7,067 |
| Total domestic deposits to total assets | 79.6680% | 5,920 |
| Equity capital to assets | 14.3919% | 933 |
| Core capital (leverage) ratio | 10.0649% | 3,013 |
| Tier 1 risk-based capital ratio | 20.3329% | 1,430 |
| Total risk-based capital ratio | 21.6192% | 1,400 |
| Memoranda: | ||
| Average total assets | $79,171,200 | 5,615 |
| Average earning assets | $69,185,200 | 5,696 |
| Average equity | $10,995,000 | 4,865 |
| Average total loans | $28,527,200 | 6,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 4,852 |
| Cost of funding earning assets | 1.6824% | 1,956 |
| Net interest margin | 3.3111% | 5,979 |
| Noninterest income to average assets | 0.2447% | 6,143 |
| Noninterest expense to average assets | 2.5538% | 5,493 |
| Loan and lease loss provision to assets | -0.2514% | 7,729 |
| Net operating income to assets | 0.7986% | 3,001 |
| Return on assets (ROA) | 1.1445% | 1,853 |
| Pretax return on assets | 1.1981% | 2,498 |
| Return on Equity (ROE) | 8.3148% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.8279% | 1,478 |
| Net charge-offs to loans | 1.9693% | 968 |
| Credit loss provision to net charge-offs | -35.2113% | 6,869 |
| Earnings coverage of net charge-offs (x) | 0.8216% | 5,232 |
| Efficiency ratio | 72.6254% | 3,585 |
| Assets per employee ($millions) | 5.2344% | 1,892 |
| Cash dividends to net income (ytd only)* | 5.8563% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8443% | 967 |
| Loan loss allowance to noncurrent loans | 250.1567% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 2,994 |
| Noncurrent loans to loans | 1.1370% | 4,964 |
| Net loans and leases to total assets | 37.1965% | 7,219 |
| Net loans and leases to deposits | 48.1794% | 7,080 |
| Net loans and leases to core deposits | 51.5216% | 7,065 |
| Total domestic deposits to total assets | 77.2042% | 6,438 |
| Equity capital to assets | 15.7162% | 727 |
| Core capital (leverage) ratio | 10.3090% | 2,903 |
| Tier 1 risk-based capital ratio | 20.2705% | 1,490 |
| Total risk-based capital ratio | 21.5267% | 1,464 |
| Memoranda: | ||
| Average total assets | $79,566,000 | 5,671 |
| Average earning assets | $69,581,500 | 5,749 |
| Average equity | $10,952,000 | 4,939 |
| Average total loans | $28,841,500 | 6,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 4,886 |
| Cost of funding earning assets | 1.7376% | 1,930 |
| Net interest margin | 3.2759% | 6,092 |
| Noninterest income to average assets | 0.0980% | 7,104 |
| Noninterest expense to average assets | 2.4981% | 5,724 |
| Loan and lease loss provision to assets | -0.3674% | 7,802 |
| Net operating income to assets | 0.7866% | 3,034 |
| Return on assets (ROA) | 1.2074% | 1,611 |
| Pretax return on assets | 1.2638% | 2,209 |
| Return on Equity (ROE) | 9.1604% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.1604% | 1,060 |
| Net charge-offs to loans | 2.9275% | 556 |
| Credit loss provision to net charge-offs | -35.2113% | 6,620 |
| Earnings coverage of net charge-offs (x) | 0.4390% | 5,283 |
| Efficiency ratio | 75.4764% | 3,166 |
| Assets per employee ($millions) | 5.7803% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8300% | 973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 3,763 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 33.8589% | 7,424 |
| Net loans and leases to deposits | 42.5162% | 7,376 |
| Net loans and leases to core deposits | 47.4229% | 7,308 |
| Total domestic deposits to total assets | 79.6377% | 5,844 |
| Equity capital to assets | 13.9155% | 1,197 |
| Core capital (leverage) ratio | 9.5827% | 3,699 |
| Tier 1 risk-based capital ratio | 18.9409% | 1,736 |
| Total risk-based capital ratio | 20.2243% | 1,694 |
| Memoranda: | ||
| Average total assets | $81,661,000 | 5,643 |
| Average earning assets | $71,247,330 | 5,732 |
| Average equity | $10,763,670 | 4,986 |
| Average total loans | $29,103,330 | 6,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 4,857 |
| Cost of funding earning assets | 1.8902% | 1,492 |
| Net interest margin | 3.1448% | 6,473 |
| Noninterest income to average assets | -0.3413% | 7,834 |
| Noninterest expense to average assets | 2.4577% | 5,883 |
| Loan and lease loss provision to assets | -0.7314% | 7,910 |
| Net operating income to assets | 0.6484% | 3,669 |
| Return on assets (ROA) | 1.3459% | 1,265 |
| Pretax return on assets | 1.4092% | 1,746 |
| Return on Equity (ROE) | 10.4993% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.4993% | 1,043 |
| Net charge-offs to loans | 1.0015% | 1,637 |
| Credit loss provision to net charge-offs | -202.7027% | 6,135 |
| Earnings coverage of net charge-offs (x) | -0.1351% | 5,124 |
| Efficiency ratio | 91.0931% | 1,344 |
| Assets per employee ($millions) | 5.7629% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8879% | 413 |
| Loan loss allowance to noncurrent loans | 176.9231% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5273% | 2,876 |
| Noncurrent loans to loans | 2.1975% | 3,529 |
| Net loans and leases to total assets | 35.2367% | 7,453 |
| Net loans and leases to deposits | 45.3507% | 7,354 |
| Net loans and leases to core deposits | 51.5775% | 7,222 |
| Total domestic deposits to total assets | 77.6983% | 6,396 |
| Equity capital to assets | 13.2759% | 1,406 |
| Core capital (leverage) ratio | 9.0600% | 4,456 |
| Tier 1 risk-based capital ratio | 17.5353% | 2,069 |
| Total risk-based capital ratio | 18.8032% | 2,035 |
| Memoranda: | ||
| Average total assets | $82,029,500 | 5,704 |
| Average earning assets | $71,738,000 | 5,786 |
| Average equity | $10,515,000 | 5,095 |
| Average total loans | $29,556,000 | 6,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 6,046 |
| Cost of funding earning assets | 2.2033% | 2,017 |
| Net interest margin | 2.9074% | 6,852 |
| Noninterest income to average assets | -0.7313% | 7,971 |
| Noninterest expense to average assets | 2.7874% | 5,026 |
| Loan and lease loss provision to assets | 2.5370% | 779 |
| Net operating income to assets | -3.3348% | 7,471 |
| Return on assets (ROA) | -3.0774% | 7,419 |
| Pretax return on assets | -3.1901% | 7,344 |
| Return on Equity (ROE) | -23.1547% | 7,237 |
| Retained earnings to average equity (ytd only) | -24.7951% | 7,255 |
| Net charge-offs to loans | 6.6860% | 135 |
| Credit loss provision to net charge-offs | 107.3731% | 5,162 |
| Earnings coverage of net charge-offs (x) | -0.3898% | 6,621 |
| Efficiency ratio | 99.2174% | 1,144 |
| Assets per employee ($millions) | 5.9556% | 1,279 |
| Cash dividends to net income (ytd only)* | -7.0847% | 7,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6524% | 219 |
| Loan loss allowance to noncurrent loans | 124.9091% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 2.9612% | 2,367 |
| Noncurrent loans to loans | 3.7246% | 2,019 |
| Net loans and leases to total assets | 33.7723% | 7,601 |
| Net loans and leases to deposits | 45.6282% | 7,458 |
| Net loans and leases to core deposits | 53.4195% | 7,489 |
| Total domestic deposits to total assets | 74.0162% | 7,010 |
| Equity capital to assets | 12.3760% | 1,808 |
| Core capital (leverage) ratio | 8.1885% | 5,834 |
| Tier 1 risk-based capital ratio | 16.4180% | 2,350 |
| Total risk-based capital ratio | 17.6944% | 2,290 |
| Memoranda: | ||
| Average total assets | $95,859,400 | 5,208 |
| Average earning assets | $85,644,200 | 5,277 |
| Average equity | $12,740,400 | 4,575 |
| Average total loans | $33,877,000 | 6,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1466% | 6,120 |
| Cost of funding earning assets | 2.2655% | 2,128 |
| Net interest margin | 2.8811% | 6,902 |
| Noninterest income to average assets | -0.1037% | 7,933 |
| Noninterest expense to average assets | 2.0812% | 7,223 |
| Loan and lease loss provision to assets | 1.6730% | 1,118 |
| Net operating income to assets | -1.2148% | 6,965 |
| Return on assets (ROA) | -0.8783% | 6,744 |
| Pretax return on assets | -0.9254% | 6,624 |
| Return on Equity (ROE) | -6.5138% | 6,609 |
| Retained earnings to average equity (ytd only) | -8.2421% | 6,628 |
| Net charge-offs to loans | 6.8909% | 113 |
| Credit loss provision to net charge-offs | 68.7327% | 6,006 |
| Earnings coverage of net charge-offs (x) | 0.1616% | 5,859 |
| Efficiency ratio | 75.2314% | 3,650 |
| Assets per employee ($millions) | 6.1917% | 1,124 |
| Cash dividends to net income (ytd only)* | -26.5337% | 7,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 1,719 |
| Loan loss allowance to noncurrent loans | 35.4305% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 4.3976% | 1,398 |
| Noncurrent loans to loans | 5.7405% | 1,065 |
| Net loans and leases to total assets | 35.6732% | 7,630 |
| Net loans and leases to deposits | 49.8605% | 7,417 |
| Net loans and leases to core deposits | 60.7107% | 7,373 |
| Total domestic deposits to total assets | 71.5461% | 7,273 |
| Equity capital to assets | 15.0847% | 982 |
| Core capital (leverage) ratio | 9.4454% | 3,987 |
| Tier 1 risk-based capital ratio | 19.3482% | 1,675 |
| Total risk-based capital ratio | 20.6001% | 1,639 |
| Memoranda: | ||
| Average total assets | $98,979,500 | 5,151 |
| Average earning assets | $88,574,750 | 5,213 |
| Average equity | $13,345,750 | 4,445 |
| Average total loans | $34,963,000 | 6,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 6,229 |
| Cost of funding earning assets | 2.4083% | 1,938 |
| Net interest margin | 2.7508% | 7,105 |
| Noninterest income to average assets | 0.2212% | 6,713 |
| Noninterest expense to average assets | 2.1071% | 7,262 |
| Loan and lease loss provision to assets | 1.0516% | 1,618 |
| Net operating income to assets | -0.4385% | 6,486 |
| Return on assets (ROA) | -0.4385% | 6,494 |
| Pretax return on assets | -0.4598% | 6,381 |
| Return on Equity (ROE) | -3.3642% | 6,404 |
| Retained earnings to average equity (ytd only) | -5.2993% | 6,346 |
| Net charge-offs to loans | 4.1058% | 337 |
| Credit loss provision to net charge-offs | 73.1444% | 5,360 |
| Earnings coverage of net charge-offs (x) | 0.4116% | 5,278 |
| Efficiency ratio | 70.2372% | 4,728 |
| Assets per employee ($millions) | 7.1441% | 726 |
| Cash dividends to net income (ytd only)* | -57.5221% | 8,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9653% | 584 |
| Loan loss allowance to noncurrent loans | 146.9388% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 2.9205% | 2,184 |
| Noncurrent loans to loans | 2.0181% | 3,489 |
| Net loans and leases to total assets | 32.9794% | 7,808 |
| Net loans and leases to deposits | 50.5913% | 7,461 |
| Net loans and leases to core deposits | 61.0223% | 7,413 |
| Total domestic deposits to total assets | 65.1879% | 7,778 |
| Equity capital to assets | 13.4717% | 1,504 |
| Core capital (leverage) ratio | 8.8097% | 4,934 |
| Tier 1 risk-based capital ratio | 18.1782% | 1,965 |
| Total risk-based capital ratio | 19.4393% | 1,909 |
| Memoranda: | ||
| Average total assets | $103,078,000 | 5,076 |
| Average earning assets | $92,847,330 | 5,099 |
| Average equity | $13,435,670 | 4,435 |
| Average total loans | $36,095,670 | 6,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 6,362 |
| Cost of funding earning assets | 2.4207% | 2,203 |
| Net interest margin | 2.7629% | 7,066 |
| Noninterest income to average assets | 0.2103% | 6,786 |
| Noninterest expense to average assets | 2.1107% | 7,091 |
| Loan and lease loss provision to assets | 1.1471% | 1,138 |
| Net operating income to assets | -0.5246% | 6,898 |
| Return on assets (ROA) | -1.6289% | 7,550 |
| Pretax return on assets | -1.7092% | 7,439 |
| Return on Equity (ROE) | -12.7008% | 7,507 |
| Retained earnings to average equity (ytd only) | -14.6387% | 7,418 |
| Net charge-offs to loans | 6.0086% | 158 |
| Credit loss provision to net charge-offs | 53.7634% | 4,615 |
| Earnings coverage of net charge-offs (x) | 0.2814% | 4,747 |
| Efficiency ratio | 70.2398% | 4,521 |
| Assets per employee ($millions) | 7.4904% | 629 |
| Cash dividends to net income (ytd only)* | -15.2582% | 8,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7184% | 616 |
| Loan loss allowance to noncurrent loans | 87.7079% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 3.1088% | 1,815 |
| Noncurrent loans to loans | 3.0994% | 2,087 |
| Net loans and leases to total assets | 32.3854% | 7,859 |
| Net loans and leases to deposits | 48.6498% | 7,554 |
| Net loans and leases to core deposits | 58.2581% | 7,522 |
| Total domestic deposits to total assets | 66.5684% | 7,700 |
| Equity capital to assets | 12.9795% | 1,755 |
| Core capital (leverage) ratio | 8.5631% | 5,405 |
| Tier 1 risk-based capital ratio | 17.3709% | 2,225 |
| Total risk-based capital ratio | 18.6287% | 2,167 |
| Memoranda: | ||
| Average total assets | $104,608,500 | 5,053 |
| Average earning assets | $94,681,500 | 5,066 |
| Average equity | $13,416,500 | 4,472 |
| Average total loans | $37,147,000 | 6,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 6,407 |
| Cost of funding earning assets | 2.7088% | 3,123 |
| Net interest margin | 3.0967% | 6,660 |
| Noninterest income to average assets | 0.2643% | 6,566 |
| Noninterest expense to average assets | 1.7650% | 7,792 |
| Loan and lease loss provision to assets | 0.7609% | 1,964 |
| Net operating income to assets | 0.5467% | 4,543 |
| Return on assets (ROA) | 0.1562% | 5,795 |
| Pretax return on assets | 0.1572% | 5,828 |
| Return on Equity (ROE) | 1.1701% | 5,866 |
| Retained earnings to average equity (ytd only) | -1.3276% | 5,690 |
| Net charge-offs to loans | 0.3602% | 3,038 |
| Credit loss provision to net charge-offs | 531.4685% | 821 |
| Earnings coverage of net charge-offs (x) | 9.1678% | 2,743 |
| Efficiency ratio | 50.2602% | 7,647 |
| Assets per employee ($millions) | 7.4537% | 583 |
| Cash dividends to net income (ytd only)* | 213.4615% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0647% | 412 |
| Loan loss allowance to noncurrent loans | 54.4184% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.6938% | 1,765 |
| Noncurrent loans to loans | 5.6317% | 691 |
| Net loans and leases to total assets | 36.5848% | 7,812 |
| Net loans and leases to deposits | 54.8118% | 7,391 |
| Net loans and leases to core deposits | 64.7902% | 7,411 |
| Total domestic deposits to total assets | 66.7462% | 7,598 |
| Equity capital to assets | 12.6706% | 1,934 |
| Core capital (leverage) ratio | 9.3489% | 4,232 |
| Tier 1 risk-based capital ratio | 17.3347% | 2,219 |
| Total risk-based capital ratio | 18.5971% | 2,174 |
| Memoranda: | ||
| Average total assets | $99,884,400 | 5,050 |
| Average earning assets | $90,740,400 | 5,060 |
| Average equity | $13,332,200 | 4,489 |
| Average total loans | $39,694,800 | 6,173 |