Home > National Bank of Ohio > Performance and Condition Ratios
National Bank of Ohio, Performance and Condition Ratios
| 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 | 4.7604% | 1,447 |
| Cost of funding earning assets | 0.7525% | 1,586 |
| Net interest margin | 4.0079% | 1,914 |
| Noninterest income to average assets | 0.8921% | 1,785 |
| Noninterest expense to average assets | 3.2609% | 2,175 |
| Loan and lease loss provision to assets | 0.2816% | 1,233 |
| Net operating income to assets | 0.7484% | 3,605 |
| Return on assets (ROA) | 0.7505% | 3,724 |
| Pretax return on assets | 1.1002% | 3,106 |
| Return on Equity (ROE) | 8.1920% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.0143% | 1,868 |
| Net charge-offs to loans | 0.0519% | 4,163 |
| Credit loss provision to net charge-offs | 688.4058% | 424 |
| Earnings coverage of net charge-offs (x) | 33.7093% | 1,138 |
| Efficiency ratio | 70.2824% | 3,709 |
| Assets per employee ($millions) | 3.9365% | 3,970 |
| Cash dividends to net income (ytd only)* | 14.3759% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 4,247 |
| Loan loss allowance to noncurrent loans | 108.2759% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 3,554 |
| Noncurrent loans to loans | 1.2276% | 3,354 |
| Net loans and leases to total assets | 76.5687% | 927 |
| Net loans and leases to deposits | 88.5452% | 1,307 |
| Net loans and leases to core deposits | 98.7968% | 1,187 |
| Total domestic deposits to total assets | 86.4742% | 2,976 |
| Equity capital to assets | 9.1832% | 4,960 |
| Core capital (leverage) ratio | 9.2571% | 4,744 |
| Tier 1 risk-based capital ratio | 13.2073% | 4,980 |
| Total risk-based capital ratio | 14.4601% | 4,918 |
| Memoranda: | ||
| Average total assets | $224,922,000 | 2,784 |
| Average earning assets | $210,312,000 | 2,737 |
| Average equity | $20,605,000 | 3,125 |
| Average total loans | $177,302,250 | 2,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,410 |
| Cost of funding earning assets | 0.7724% | 1,570 |
| Net interest margin | 3.9929% | 1,886 |
| Noninterest income to average assets | 0.9062% | 1,796 |
| Noninterest expense to average assets | 3.2361% | 2,260 |
| Loan and lease loss provision to assets | 0.3128% | 1,137 |
| Net operating income to assets | 0.7462% | 3,587 |
| Return on assets (ROA) | 0.7462% | 3,738 |
| Pretax return on assets | 1.0858% | 3,152 |
| Return on Equity (ROE) | 8.1526% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.3756% | 2,214 |
| Net charge-offs to loans | 0.1331% | 3,046 |
| Credit loss provision to net charge-offs | 296.6102% | 877 |
| Earnings coverage of net charge-offs (x) | 13.2627% | 1,912 |
| Efficiency ratio | 69.8226% | 3,860 |
| Assets per employee ($millions) | 3.8998% | 4,015 |
| Cash dividends to net income (ytd only)* | 21.7964% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,989 |
| Loan loss allowance to noncurrent loans | 99.4528% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 3,570 |
| Noncurrent loans to loans | 1.2070% | 3,538 |
| Net loans and leases to total assets | 78.0156% | 743 |
| Net loans and leases to deposits | 90.9195% | 1,060 |
| Net loans and leases to core deposits | 101.4158% | 980 |
| Total domestic deposits to total assets | 85.8073% | 3,473 |
| Equity capital to assets | 8.9452% | 5,274 |
| Core capital (leverage) ratio | 9.3116% | 4,521 |
| Tier 1 risk-based capital ratio | 12.7054% | 5,351 |
| Total risk-based capital ratio | 13.9568% | 5,290 |
| Memoranda: | ||
| Average total assets | $223,789,670 | 2,806 |
| Average earning assets | $208,968,330 | 2,757 |
| Average equity | $20,484,330 | 3,158 |
| Average total loans | $177,344,330 | 2,229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 1,378 |
| Cost of funding earning assets | 0.7813% | 1,637 |
| Net interest margin | 3.9802% | 1,864 |
| Noninterest income to average assets | 0.9898% | 1,491 |
| Noninterest expense to average assets | 3.4826% | 1,655 |
| Loan and lease loss provision to assets | 0.2719% | 1,299 |
| Net operating income to assets | 0.6400% | 4,017 |
| Return on assets (ROA) | 0.6400% | 4,180 |
| Pretax return on assets | 0.9572% | 3,540 |
| Return on Equity (ROE) | 6.9095% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.9095% | 2,195 |
| Net charge-offs to loans | 0.2946% | 1,788 |
| Credit loss provision to net charge-offs | 116.2791% | 1,631 |
| Earnings coverage of net charge-offs (x) | 5.2558% | 2,389 |
| Efficiency ratio | 73.9130% | 3,277 |
| Assets per employee ($millions) | 3.5955% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,496 |
| Loan loss allowance to noncurrent loans | 80.9700% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 3,427 |
| Noncurrent loans to loans | 1.3932% | 3,476 |
| Net loans and leases to total assets | 78.7240% | 538 |
| Net loans and leases to deposits | 91.7415% | 823 |
| Net loans and leases to core deposits | 101.5426% | 856 |
| Total domestic deposits to total assets | 85.8107% | 3,627 |
| Equity capital to assets | 9.3924% | 5,010 |
| Core capital (leverage) ratio | 9.2717% | 4,452 |
| Tier 1 risk-based capital ratio | 12.7797% | 5,379 |
| Total risk-based capital ratio | 14.0198% | 5,334 |
| Memoranda: | ||
| Average total assets | $220,639,500 | 2,864 |
| Average earning assets | $206,320,500 | 2,830 |
| Average equity | $20,435,500 | 3,203 |
| Average total loans | $175,173,000 | 2,270 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 1,437 |
| Cost of funding earning assets | 0.9460% | 1,665 |
| Net interest margin | 4.1026% | 1,990 |
| Noninterest income to average assets | 0.8763% | 1,943 |
| Noninterest expense to average assets | 3.2656% | 2,439 |
| Loan and lease loss provision to assets | 0.3687% | 1,777 |
| Net operating income to assets | 0.7426% | 3,543 |
| Return on assets (ROA) | 0.7439% | 3,781 |
| Pretax return on assets | 1.0600% | 3,322 |
| Return on Equity (ROE) | 7.9994% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.5068% | 1,336 |
| Net charge-offs to loans | 0.4245% | 2,537 |
| Credit loss provision to net charge-offs | 112.4302% | 2,591 |
| Earnings coverage of net charge-offs (x) | 4.3506% | 3,403 |
| Efficiency ratio | 69.5920% | 3,884 |
| Assets per employee ($millions) | 3.6992% | 4,564 |
| Cash dividends to net income (ytd only)* | 6.1576% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,520 |
| Loan loss allowance to noncurrent loans | 74.0783% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 3,550 |
| Noncurrent loans to loans | 1.4973% | 3,358 |
| Net loans and leases to total assets | 78.2890% | 642 |
| Net loans and leases to deposits | 92.5872% | 866 |
| Net loans and leases to core deposits | 102.5096% | 863 |
| Total domestic deposits to total assets | 84.5570% | 4,060 |
| Equity capital to assets | 9.1331% | 5,357 |
| Core capital (leverage) ratio | 9.1133% | 4,719 |
| Tier 1 risk-based capital ratio | 12.6827% | 5,336 |
| Total risk-based capital ratio | 13.9219% | 5,291 |
| Memoranda: | ||
| Average total assets | $218,308,400 | 2,857 |
| Average earning assets | $203,066,600 | 2,817 |
| Average equity | $20,301,600 | 3,163 |
| Average total loans | $168,674,800 | 2,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,492 |
| Cost of funding earning assets | 0.9891% | 1,631 |
| Net interest margin | 4.0831% | 2,155 |
| Noninterest income to average assets | 0.8316% | 2,115 |
| Noninterest expense to average assets | 3.3118% | 2,235 |
| Loan and lease loss provision to assets | 0.4017% | 1,594 |
| Net operating income to assets | 0.6233% | 4,276 |
| Return on assets (ROA) | 0.6250% | 4,521 |
| Pretax return on assets | 0.9132% | 4,054 |
| Return on Equity (ROE) | 6.6897% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.6897% | 2,285 |
| Net charge-offs to loans | 0.5496% | 1,956 |
| Credit loss provision to net charge-offs | 95.2035% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.1105% | 3,780 |
| Efficiency ratio | 71.6180% | 3,395 |
| Assets per employee ($millions) | 3.6580% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,906 |
| Loan loss allowance to noncurrent loans | 68.6842% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 3,778 |
| Noncurrent loans to loans | 1.5236% | 3,497 |
| Net loans and leases to total assets | 77.4231% | 804 |
| Net loans and leases to deposits | 91.7527% | 995 |
| Net loans and leases to core deposits | 101.6983% | 1,004 |
| Total domestic deposits to total assets | 84.3825% | 4,045 |
| Equity capital to assets | 8.8680% | 5,958 |
| Core capital (leverage) ratio | 8.9050% | 5,191 |
| Tier 1 risk-based capital ratio | 12.7221% | 5,463 |
| Total risk-based capital ratio | 13.9182% | 5,468 |
| Memoranda: | ||
| Average total assets | $217,397,500 | 2,886 |
| Average earning assets | $201,933,250 | 2,847 |
| Average equity | $20,309,250 | 3,200 |
| Average total loans | $166,915,250 | 2,373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 1,539 |
| Cost of funding earning assets | 1.0542% | 1,443 |
| Net interest margin | 4.0322% | 2,374 |
| Noninterest income to average assets | 0.7852% | 2,266 |
| Noninterest expense to average assets | 3.3413% | 2,179 |
| Loan and lease loss provision to assets | 0.4223% | 1,548 |
| Net operating income to assets | 0.5432% | 4,610 |
| Return on assets (ROA) | 0.5457% | 4,884 |
| Pretax return on assets | 0.7778% | 4,552 |
| Return on Equity (ROE) | 5.7413% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.7413% | 2,859 |
| Net charge-offs to loans | 0.5938% | 1,831 |
| Credit loss provision to net charge-offs | 93.2377% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.6414% | 3,687 |
| Efficiency ratio | 73.6347% | 3,136 |
| Assets per employee ($millions) | 3.6952% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 5,894 |
| Loan loss allowance to noncurrent loans | 74.6019% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,018 |
| Noncurrent loans to loans | 1.4344% | 3,766 |
| Net loans and leases to total assets | 76.1841% | 944 |
| Net loans and leases to deposits | 88.2691% | 1,345 |
| Net loans and leases to core deposits | 97.2149% | 1,327 |
| Total domestic deposits to total assets | 86.3089% | 3,189 |
| Equity capital to assets | 9.3887% | 5,206 |
| Core capital (leverage) ratio | 9.6524% | 3,920 |
| Tier 1 risk-based capital ratio | 13.5276% | 4,800 |
| Total risk-based capital ratio | 14.7326% | 4,798 |
| Memoranda: | ||
| Average total assets | $215,483,330 | 2,923 |
| Average earning assets | $200,538,000 | 2,865 |
| Average equity | $20,483,000 | 3,167 |
| Average total loans | $164,357,330 | 2,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 1,485 |
| Cost of funding earning assets | 1.1207% | 1,296 |
| Net interest margin | 4.0124% | 2,453 |
| Noninterest income to average assets | 0.9625% | 1,529 |
| Noninterest expense to average assets | 3.5071% | 1,753 |
| Loan and lease loss provision to assets | 0.2166% | 2,771 |
| Net operating income to assets | 0.6705% | 4,030 |
| Return on assets (ROA) | 0.6705% | 4,243 |
| Pretax return on assets | 0.9813% | 3,742 |
| Return on Equity (ROE) | 7.0091% | 3,779 |
| Retained earnings to average equity (ytd only) | 7.0091% | 2,433 |
| Net charge-offs to loans | 0.0869% | 3,644 |
| Credit loss provision to net charge-offs | 328.5714% | 914 |
| Earnings coverage of net charge-offs (x) | 18.1714% | 1,278 |
| Efficiency ratio | 74.5396% | 3,017 |
| Assets per employee ($millions) | 3.6570% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,482 |
| Loan loss allowance to noncurrent loans | 60.0805% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6553% | 3,370 |
| Noncurrent loans to loans | 1.9987% | 3,169 |
| Net loans and leases to total assets | 75.2515% | 888 |
| Net loans and leases to deposits | 90.6928% | 905 |
| Net loans and leases to core deposits | 102.5725% | 834 |
| Total domestic deposits to total assets | 82.9741% | 4,935 |
| Equity capital to assets | 9.6466% | 4,589 |
| Core capital (leverage) ratio | 9.5526% | 3,976 |
| Tier 1 risk-based capital ratio | 14.1659% | 4,346 |
| Total risk-based capital ratio | 15.4169% | 4,314 |
| Memoranda: | ||
| Average total assets | $212,368,500 | 2,966 |
| Average earning assets | $198,084,500 | 2,917 |
| Average equity | $20,316,500 | 3,192 |
| Average total loans | $161,167,500 | 2,465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 2,151 |
| Cost of funding earning assets | 1.2436% | 1,769 |
| Net interest margin | 3.9354% | 3,181 |
| Noninterest income to average assets | 0.7726% | 2,219 |
| Noninterest expense to average assets | 3.0976% | 3,205 |
| Loan and lease loss provision to assets | 0.2177% | 4,017 |
| Net operating income to assets | 0.7618% | 3,209 |
| Return on assets (ROA) | 0.7474% | 3,439 |
| Pretax return on assets | 1.0909% | 2,872 |
| Return on Equity (ROE) | 8.4464% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.8551% | 2,104 |
| Net charge-offs to loans | 0.1769% | 4,733 |
| Credit loss provision to net charge-offs | 168.5393% | 1,598 |
| Earnings coverage of net charge-offs (x) | 10.2921% | 1,860 |
| Efficiency ratio | 69.9705% | 3,968 |
| Assets per employee ($millions) | 3.6661% | 4,626 |
| Cash dividends to net income (ytd only)* | 30.6796% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,592 |
| Loan loss allowance to noncurrent loans | 91.0872% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 4,431 |
| Noncurrent loans to loans | 1.2700% | 4,247 |
| Net loans and leases to total assets | 74.7407% | 1,136 |
| Net loans and leases to deposits | 90.2074% | 1,135 |
| Net loans and leases to core deposits | 102.0124% | 1,025 |
| Total domestic deposits to total assets | 82.8543% | 4,810 |
| Equity capital to assets | 9.4869% | 4,906 |
| Core capital (leverage) ratio | 9.3185% | 4,299 |
| Tier 1 risk-based capital ratio | 13.8436% | 4,448 |
| Total risk-based capital ratio | 15.0943% | 4,402 |
| Memoranda: | ||
| Average total assets | $206,709,000 | 2,983 |
| Average earning assets | $191,950,200 | 2,947 |
| Average equity | $18,291,800 | 3,387 |
| Average total loans | $150,959,600 | 2,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 2,437 |
| Cost of funding earning assets | 1.2674% | 1,883 |
| Net interest margin | 3.8707% | 3,518 |
| Noninterest income to average assets | 0.6984% | 2,622 |
| Noninterest expense to average assets | 3.2029% | 2,826 |
| Loan and lease loss provision to assets | 0.1884% | 4,143 |
| Net operating income to assets | 0.5664% | 4,238 |
| Return on assets (ROA) | 0.5074% | 4,702 |
| Pretax return on assets | 0.8062% | 4,105 |
| Return on Equity (ROE) | 5.8429% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.5411% | 3,488 |
| Net charge-offs to loans | 0.1481% | 4,588 |
| Credit loss provision to net charge-offs | 175.7576% | 1,693 |
| Earnings coverage of net charge-offs (x) | 10.1396% | 1,967 |
| Efficiency ratio | 74.6630% | 3,055 |
| Assets per employee ($millions) | 3.6502% | 4,641 |
| Cash dividends to net income (ytd only)* | 22.2787% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,735 |
| Loan loss allowance to noncurrent loans | 84.9199% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 4,414 |
| Noncurrent loans to loans | 1.3402% | 4,290 |
| Net loans and leases to total assets | 72.6838% | 1,572 |
| Net loans and leases to deposits | 87.4656% | 1,499 |
| Net loans and leases to core deposits | 98.6793% | 1,370 |
| Total domestic deposits to total assets | 83.0998% | 4,636 |
| Equity capital to assets | 9.1777% | 5,545 |
| Core capital (leverage) ratio | 9.2723% | 4,500 |
| Tier 1 risk-based capital ratio | 13.4493% | 4,773 |
| Total risk-based capital ratio | 14.6948% | 4,748 |
| Memoranda: | ||
| Average total assets | $205,228,500 | 3,015 |
| Average earning assets | $190,417,250 | 2,972 |
| Average equity | $17,821,750 | 3,451 |
| Average total loans | $148,504,000 | 2,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 2,513 |
| Cost of funding earning assets | 1.3012% | 1,935 |
| Net interest margin | 3.8395% | 3,586 |
| Noninterest income to average assets | 0.6381% | 2,905 |
| Noninterest expense to average assets | 3.1895% | 2,941 |
| Loan and lease loss provision to assets | 0.1982% | 3,947 |
| Net operating income to assets | 0.5630% | 4,251 |
| Return on assets (ROA) | 0.6143% | 4,119 |
| Pretax return on assets | 0.8917% | 3,648 |
| Return on Equity (ROE) | 7.2202% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.1939% | 2,877 |
| Net charge-offs to loans | 0.1198% | 4,514 |
| Credit loss provision to net charge-offs | 229.8851% | 1,312 |
| Earnings coverage of net charge-offs (x) | 11.7816% | 1,675 |
| Efficiency ratio | 75.8483% | 3,041 |
| Assets per employee ($millions) | 3.5512% | 4,807 |
| Cash dividends to net income (ytd only)* | 28.0645% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 5,547 |
| Loan loss allowance to noncurrent loans | 75.0210% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 4,280 |
| Noncurrent loans to loans | 1.5989% | 3,999 |
| Net loans and leases to total assets | 71.5828% | 1,865 |
| Net loans and leases to deposits | 85.6724% | 1,831 |
| Net loans and leases to core deposits | 97.3053% | 1,553 |
| Total domestic deposits to total assets | 83.5542% | 4,529 |
| Equity capital to assets | 8.4771% | 6,216 |
| Core capital (leverage) ratio | 8.4598% | 5,615 |
| Tier 1 risk-based capital ratio | 12.3593% | 5,469 |
| Total risk-based capital ratio | 13.6097% | 5,447 |
| Memoranda: | ||
| Average total assets | $201,851,670 | 3,076 |
| Average earning assets | $187,523,670 | 3,037 |
| Average equity | $17,174,000 | 3,543 |
| Average total loans | $145,227,670 | 2,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 2,358 |
| Cost of funding earning assets | 1.2908% | 2,239 |
| Net interest margin | 3.8788% | 3,247 |
| Noninterest income to average assets | 0.6026% | 3,141 |
| Noninterest expense to average assets | 3.1633% | 3,018 |
| Loan and lease loss provision to assets | 0.1802% | 3,816 |
| Net operating income to assets | 0.5951% | 4,059 |
| Return on assets (ROA) | 0.6987% | 3,583 |
| Pretax return on assets | 1.0190% | 3,065 |
| Return on Equity (ROE) | 8.1968% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.1968% | 1,666 |
| Net charge-offs to loans | 0.1257% | 3,766 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 11.6444% | 1,539 |
| Efficiency ratio | 75.0951% | 3,318 |
| Assets per employee ($millions) | 3.4743% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,675 |
| Loan loss allowance to noncurrent loans | 63.2391% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 3,932 |
| Noncurrent loans to loans | 1.8851% | 3,719 |
| Net loans and leases to total assets | 70.8280% | 1,964 |
| Net loans and leases to deposits | 85.2898% | 1,835 |
| Net loans and leases to core deposits | 99.1538% | 1,410 |
| Total domestic deposits to total assets | 83.0438% | 4,909 |
| Equity capital to assets | 8.5332% | 5,858 |
| Core capital (leverage) ratio | 8.6851% | 5,109 |
| Tier 1 risk-based capital ratio | 12.4745% | 5,291 |
| Total risk-based capital ratio | 13.7234% | 5,265 |
| Memoranda: | ||
| Average total assets | $199,794,000 | 3,116 |
| Average earning assets | $185,932,500 | 3,069 |
| Average equity | $17,031,000 | 3,559 |
| Average total loans | $143,228,000 | 2,819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 2,317 |
| Cost of funding earning assets | 1.4749% | 2,789 |
| Net interest margin | 4.0176% | 2,937 |
| Noninterest income to average assets | 0.8982% | 1,854 |
| Noninterest expense to average assets | 3.2658% | 2,850 |
| Loan and lease loss provision to assets | 0.3085% | 4,334 |
| Net operating income to assets | 0.7115% | 3,190 |
| Return on assets (ROA) | 0.7259% | 3,249 |
| Pretax return on assets | 1.0607% | 2,734 |
| Return on Equity (ROE) | 8.4975% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.1723% | 1,732 |
| Net charge-offs to loans | 0.3102% | 4,465 |
| Credit loss provision to net charge-offs | 141.0377% | 2,672 |
| Earnings coverage of net charge-offs (x) | 6.1627% | 2,423 |
| Efficiency ratio | 70.7816% | 4,022 |
| Assets per employee ($millions) | 3.4152% | 5,138 |
| Cash dividends to net income (ytd only)* | 27.3632% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,603 |
| Loan loss allowance to noncurrent loans | 62.1341% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.6251% | 3,873 |
| Noncurrent loans to loans | 1.9006% | 3,686 |
| Net loans and leases to total assets | 70.8466% | 2,343 |
| Net loans and leases to deposits | 84.1396% | 2,428 |
| Net loans and leases to core deposits | 99.2749% | 1,676 |
| Total domestic deposits to total assets | 84.2013% | 4,272 |
| Equity capital to assets | 8.5152% | 5,839 |
| Core capital (leverage) ratio | 8.2435% | 5,759 |
| Tier 1 risk-based capital ratio | 12.3630% | 5,147 |
| Total risk-based capital ratio | 13.5933% | 5,141 |
| Memoranda: | ||
| Average total assets | $193,825,600 | 3,179 |
| Average earning assets | $179,262,600 | 3,133 |
| Average equity | $16,557,800 | 3,667 |
| Average total loans | $136,706,600 | 3,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 2,832 |
| Cost of funding earning assets | 1.5024% | 2,966 |
| Net interest margin | 3.9082% | 3,498 |
| Noninterest income to average assets | 0.8030% | 2,224 |
| Noninterest expense to average assets | 3.2343% | 2,799 |
| Loan and lease loss provision to assets | 0.3189% | 4,039 |
| Net operating income to assets | 0.5986% | 3,884 |
| Return on assets (ROA) | 0.7131% | 3,509 |
| Pretax return on assets | 1.0271% | 3,083 |
| Return on Equity (ROE) | 8.3409% | 2,776 |
| Retained earnings to average equity (ytd only) | 6.8443% | 1,925 |
| Net charge-offs to loans | 0.3939% | 3,713 |
| Credit loss provision to net charge-offs | 115.2500% | 3,621 |
| Earnings coverage of net charge-offs (x) | 4.2650% | 3,130 |
| Efficiency ratio | 73.2686% | 3,468 |
| Assets per employee ($millions) | 3.5058% | 4,968 |
| Cash dividends to net income (ytd only)* | 17.9437% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,926 |
| Loan loss allowance to noncurrent loans | 40.7504% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 2.0040% | 3,464 |
| Noncurrent loans to loans | 2.7050% | 2,930 |
| Net loans and leases to total assets | 69.0099% | 2,984 |
| Net loans and leases to deposits | 82.0009% | 3,105 |
| Net loans and leases to core deposits | 98.1259% | 2,024 |
| Total domestic deposits to total assets | 84.1575% | 4,027 |
| Equity capital to assets | 8.3530% | 6,448 |
| Core capital (leverage) ratio | 8.3888% | 5,716 |
| Tier 1 risk-based capital ratio | 12.1802% | 5,291 |
| Total risk-based capital ratio | 13.3227% | 5,364 |
| Memoranda: | ||
| Average total assets | $192,762,000 | 3,247 |
| Average earning assets | $178,115,500 | 3,187 |
| Average equity | $16,480,500 | 3,727 |
| Average total loans | $135,380,750 | 3,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 2,981 |
| Cost of funding earning assets | 1.5500% | 2,959 |
| Net interest margin | 3.8498% | 3,677 |
| Noninterest income to average assets | 0.7166% | 2,607 |
| Noninterest expense to average assets | 3.1886% | 2,944 |
| Loan and lease loss provision to assets | 0.3086% | 3,914 |
| Net operating income to assets | 0.5196% | 4,241 |
| Return on assets (ROA) | 0.6648% | 3,705 |
| Pretax return on assets | 0.9818% | 3,194 |
| Return on Equity (ROE) | 7.7120% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.4437% | 2,652 |
| Net charge-offs to loans | 0.6321% | 2,649 |
| Credit loss provision to net charge-offs | 69.3587% | 4,989 |
| Earnings coverage of net charge-offs (x) | 2.4204% | 3,785 |
| Efficiency ratio | 74.7522% | 3,315 |
| Assets per employee ($millions) | 3.6534% | 4,583 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,397 |
| Loan loss allowance to noncurrent loans | 35.9310% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1707% | 3,295 |
| Noncurrent loans to loans | 2.7849% | 2,871 |
| Net loans and leases to total assets | 70.2058% | 2,854 |
| Net loans and leases to deposits | 83.6763% | 2,932 |
| Net loans and leases to core deposits | 100.6993% | 1,948 |
| Total domestic deposits to total assets | 83.9016% | 4,146 |
| Equity capital to assets | 8.5422% | 6,113 |
| Core capital (leverage) ratio | 8.6013% | 5,235 |
| Tier 1 risk-based capital ratio | 12.3774% | 4,965 |
| Total risk-based capital ratio | 13.4224% | 5,127 |
| Memoranda: | ||
| Average total assets | $189,236,330 | 3,315 |
| Average earning assets | $174,450,330 | 3,266 |
| Average equity | $16,312,330 | 3,749 |
| Average total loans | $133,211,670 | 3,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,792 |
| Cost of funding earning assets | 1.6060% | 2,928 |
| Net interest margin | 3.8522% | 3,555 |
| Noninterest income to average assets | 0.6886% | 2,670 |
| Noninterest expense to average assets | 3.1608% | 3,009 |
| Loan and lease loss provision to assets | 0.2630% | 3,932 |
| Net operating income to assets | 0.5532% | 4,125 |
| Return on assets (ROA) | 0.7635% | 3,254 |
| Pretax return on assets | 1.1484% | 2,557 |
| Return on Equity (ROE) | 8.8156% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.8156% | 1,453 |
| Net charge-offs to loans | 0.2287% | 3,551 |
| Credit loss provision to net charge-offs | 164.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.8133% | 2,164 |
| Efficiency ratio | 74.3087% | 3,528 |
| Assets per employee ($millions) | 3.5950% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,665 |
| Loan loss allowance to noncurrent loans | 36.7797% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 2.4248% | 3,004 |
| Noncurrent loans to loans | 3.1769% | 2,519 |
| Net loans and leases to total assets | 68.8537% | 3,189 |
| Net loans and leases to deposits | 82.5805% | 3,181 |
| Net loans and leases to core deposits | 93.5781% | 2,892 |
| Total domestic deposits to total assets | 83.3777% | 4,438 |
| Equity capital to assets | 8.5717% | 5,909 |
| Core capital (leverage) ratio | 8.6032% | 5,195 |
| Tier 1 risk-based capital ratio | 12.5788% | 4,661 |
| Total risk-based capital ratio | 13.7840% | 4,675 |
| Memoranda: | ||
| Average total assets | $187,040,500 | 3,401 |
| Average earning assets | $173,097,000 | 3,350 |
| Average equity | $16,198,500 | 3,797 |
| Average total loans | $131,161,500 | 3,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 4,556 |
| Cost of funding earning assets | 1.7801% | 4,104 |
| Net interest margin | 3.6466% | 4,362 |
| Noninterest income to average assets | 0.9332% | 1,820 |
| Noninterest expense to average assets | 3.4333% | 2,577 |
| Loan and lease loss provision to assets | 0.3525% | 4,687 |
| Net operating income to assets | 0.4217% | 4,042 |
| Return on assets (ROA) | 0.4937% | 3,853 |
| Pretax return on assets | 0.5853% | 3,948 |
| Return on Equity (ROE) | 5.3214% | 3,522 |
| Retained earnings to average equity (ytd only) | 2.8682% | 3,171 |
| Net charge-offs to loans | 0.4057% | 4,197 |
| Credit loss provision to net charge-offs | 130.1724% | 3,920 |
| Earnings coverage of net charge-offs (x) | 3.1466% | 3,488 |
| Efficiency ratio | 80.1171% | 2,876 |
| Assets per employee ($millions) | 3.3990% | 5,262 |
| Cash dividends to net income (ytd only)* | 46.0993% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 5,586 |
| Loan loss allowance to noncurrent loans | 36.1733% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5121% | 2,786 |
| Noncurrent loans to loans | 3.2064% | 2,382 |
| Net loans and leases to total assets | 69.7801% | 3,313 |
| Net loans and leases to deposits | 87.7441% | 2,602 |
| Net loans and leases to core deposits | 102.3870% | 3,762 |
| Total domestic deposits to total assets | 79.5269% | 5,837 |
| Equity capital to assets | 8.7525% | 5,511 |
| Core capital (leverage) ratio | 8.6193% | 5,066 |
| Tier 1 risk-based capital ratio | 11.9487% | 4,988 |
| Total risk-based capital ratio | 13.0832% | 5,051 |
| Memoranda: | ||
| Average total assets | $171,353,000 | 3,587 |
| Average earning assets | $157,515,800 | 3,565 |
| Average equity | $15,898,200 | 3,886 |
| Average total loans | $114,367,800 | 3,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 4,726 |
| Cost of funding earning assets | 1.8137% | 4,319 |
| Net interest margin | 3.6282% | 4,384 |
| Noninterest income to average assets | 0.9902% | 1,640 |
| Noninterest expense to average assets | 3.5530% | 2,136 |
| Loan and lease loss provision to assets | 0.2250% | 5,171 |
| Net operating income to assets | 0.4386% | 4,237 |
| Return on assets (ROA) | 0.4714% | 4,214 |
| Pretax return on assets | 0.5807% | 4,250 |
| Return on Equity (ROE) | 5.0031% | 3,966 |
| Retained earnings to average equity (ytd only) | 3.3214% | 3,448 |
| Net charge-offs to loans | 0.3159% | 4,061 |
| Credit loss provision to net charge-offs | 108.3969% | 4,690 |
| Earnings coverage of net charge-offs (x) | 3.6871% | 3,421 |
| Efficiency ratio | 82.2785% | 2,548 |
| Assets per employee ($millions) | 3.3458% | 5,270 |
| Cash dividends to net income (ytd only)* | 33.6136% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,148 |
| Loan loss allowance to noncurrent loans | 35.4129% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 2.2715% | 3,015 |
| Noncurrent loans to loans | 3.3731% | 2,236 |
| Net loans and leases to total assets | 63.4085% | 4,991 |
| Net loans and leases to deposits | 80.5266% | 4,294 |
| Net loans and leases to core deposits | 94.0034% | 5,018 |
| Total domestic deposits to total assets | 78.7423% | 5,882 |
| Equity capital to assets | 8.8929% | 5,645 |
| Core capital (leverage) ratio | 8.9135% | 4,786 |
| Tier 1 risk-based capital ratio | 13.3477% | 3,959 |
| Total risk-based capital ratio | 14.5201% | 3,955 |
| Memoranda: | ||
| Average total assets | $168,304,250 | 3,658 |
| Average earning assets | $154,380,250 | 3,647 |
| Average equity | $15,856,500 | 3,944 |
| Average total loans | $110,564,000 | 3,723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 4,086 |
| Cost of funding earning assets | 1.8443% | 4,544 |
| Net interest margin | 3.7539% | 3,739 |
| Noninterest income to average assets | 1.0354% | 1,482 |
| Noninterest expense to average assets | 3.5327% | 2,241 |
| Loan and lease loss provision to assets | 0.2899% | 4,257 |
| Net operating income to assets | 0.5714% | 3,807 |
| Return on assets (ROA) | 0.6115% | 3,738 |
| Pretax return on assets | 0.6895% | 4,035 |
| Return on Equity (ROE) | 6.3599% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.8261% | 3,163 |
| Net charge-offs to loans | 0.2262% | 4,081 |
| Credit loss provision to net charge-offs | 193.4959% | 2,364 |
| Earnings coverage of net charge-offs (x) | 6.2358% | 2,660 |
| Efficiency ratio | 79.0837% | 3,180 |
| Assets per employee ($millions) | 3.2447% | 5,464 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 4,042 |
| Loan loss allowance to noncurrent loans | 36.1812% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.4527% | 2,631 |
| Noncurrent loans to loans | 3.7014% | 1,879 |
| Net loans and leases to total assets | 63.3171% | 5,119 |
| Net loans and leases to deposits | 78.5921% | 4,768 |
| Net loans and leases to core deposits | 92.1319% | 5,336 |
| Total domestic deposits to total assets | 80.5642% | 5,245 |
| Equity capital to assets | 9.2074% | 5,003 |
| Core capital (leverage) ratio | 9.2986% | 4,165 |
| Tier 1 risk-based capital ratio | 13.9839% | 3,528 |
| Total risk-based capital ratio | 15.2347% | 3,466 |
| Memoranda: | ||
| Average total assets | $164,181,330 | 3,734 |
| Average earning assets | $150,083,670 | 3,742 |
| Average equity | $15,786,330 | 3,962 |
| Average total loans | $108,769,670 | 3,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 3,264 |
| Cost of funding earning assets | 1.8710% | 4,786 |
| Net interest margin | 3.9357% | 2,906 |
| Noninterest income to average assets | 0.9458% | 1,665 |
| Noninterest expense to average assets | 3.4314% | 2,274 |
| Loan and lease loss provision to assets | 0.1747% | 4,714 |
| Net operating income to assets | 0.7667% | 3,273 |
| Return on assets (ROA) | 0.8260% | 3,174 |
| Pretax return on assets | 1.0132% | 3,300 |
| Return on Equity (ROE) | 8.3997% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.3997% | 1,663 |
| Net charge-offs to loans | 0.0408% | 4,917 |
| Credit loss provision to net charge-offs | 636.3636% | 904 |
| Earnings coverage of net charge-offs (x) | 40.6364% | 837 |
| Efficiency ratio | 75.4665% | 3,570 |
| Assets per employee ($millions) | 3.1426% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,995 |
| Loan loss allowance to noncurrent loans | 47.3211% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5659% | 2,237 |
| Noncurrent loans to loans | 2.7791% | 2,362 |
| Net loans and leases to total assets | 65.2996% | 4,748 |
| Net loans and leases to deposits | 84.2942% | 3,931 |
| Net loans and leases to core deposits | 96.7645% | 4,871 |
| Total domestic deposits to total assets | 77.4663% | 6,159 |
| Equity capital to assets | 9.6981% | 4,385 |
| Core capital (leverage) ratio | 9.6704% | 3,792 |
| Tier 1 risk-based capital ratio | 14.4096% | 3,357 |
| Total risk-based capital ratio | 15.6602% | 3,285 |
| Memoranda: | ||
| Average total assets | $160,286,500 | 3,831 |
| Average earning assets | $146,658,500 | 3,816 |
| Average equity | $15,762,500 | 3,993 |
| Average total loans | $107,972,000 | 3,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2010% | 4,513 |
| Cost of funding earning assets | 2.2299% | 5,460 |
| Net interest margin | 3.9711% | 3,265 |
| Noninterest income to average assets | 0.6880% | 3,199 |
| Noninterest expense to average assets | 3.3355% | 2,853 |
| Loan and lease loss provision to assets | 0.0249% | 7,090 |
| Net operating income to assets | 0.6714% | 4,020 |
| Return on assets (ROA) | 0.6980% | 3,736 |
| Pretax return on assets | 0.9937% | 3,401 |
| Return on Equity (ROE) | 7.3303% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.8782% | 2,096 |
| Net charge-offs to loans | 0.3187% | 3,265 |
| Credit loss provision to net charge-offs | 11.3314% | 6,618 |
| Earnings coverage of net charge-offs (x) | 4.4618% | 3,976 |
| Efficiency ratio | 77.2793% | 3,038 |
| Assets per employee ($millions) | 3.1432% | 5,641 |
| Cash dividends to net income (ytd only)* | 33.4523% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 4,027 |
| Loan loss allowance to noncurrent loans | 47.2116% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.5929% | 1,860 |
| Noncurrent loans to loans | 2.6778% | 2,023 |
| Net loans and leases to total assets | 67.7342% | 4,505 |
| Net loans and leases to deposits | 87.1406% | 3,917 |
| Net loans and leases to core deposits | 97.6051% | 5,088 |
| Total domestic deposits to total assets | 77.7297% | 5,798 |
| Equity capital to assets | 9.9752% | 4,069 |
| Core capital (leverage) ratio | 9.5127% | 4,001 |
| Tier 1 risk-based capital ratio | 14.4480% | 3,323 |
| Total risk-based capital ratio | 15.6980% | 3,234 |
| Memoranda: | ||
| Average total assets | $160,604,400 | 3,711 |
| Average earning assets | $146,735,400 | 3,711 |
| Average equity | $15,292,600 | 4,076 |
| Average total loans | $110,773,200 | 3,660 |