Home > Simmons First Bank of Hot Springs > Performance and Condition Ratios
Simmons First Bank of Hot Springs, Performance and Condition Ratios
| 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 | 3.3396% | 5,772 |
| Cost of funding earning assets | 0.2270% | 5,780 |
| Net interest margin | 3.1126% | 5,205 |
| Noninterest income to average assets | 0.7095% | 2,130 |
| Noninterest expense to average assets | 2.0711% | 5,736 |
| Loan and lease loss provision to assets | 0.0695% | 2,746 |
| Net operating income to assets | 0.8198% | 3,055 |
| Return on assets (ROA) | 0.8198% | 3,125 |
| Pretax return on assets | 1.0667% | 3,053 |
| Return on Equity (ROE) | 4.5844% | 4,749 |
| Retained earnings to average equity (ytd only) | 1.9035% | 4,831 |
| Net charge-offs to loans | 0.0156% | 3,280 |
| Credit loss provision to net charge-offs | 966.6667% | 324 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 308 |
| Efficiency ratio | 64.5740% | 4,765 |
| Assets per employee ($millions) | 5.5277% | 1,681 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,141 |
| Loan loss allowance to noncurrent loans | 294.4304% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 5,120 |
| Noncurrent loans to loans | 0.5095% | 4,638 |
| Net loans and leases to total assets | 46.0538% | 5,331 |
| Net loans and leases to deposits | 59.9200% | 4,770 |
| Net loans and leases to core deposits | 60.3394% | 5,006 |
| Total domestic deposits to total assets | 76.8588% | 5,983 |
| Equity capital to assets | 18.0643% | 322 |
| Core capital (leverage) ratio | 10.0334% | 3,525 |
| Tier 1 risk-based capital ratio | 18.5841% | 2,096 |
| Total risk-based capital ratio | 19.8362% | 2,061 |
| Memoranda: | ||
| Average total assets | $166,869,500 | 3,447 |
| Average earning assets | $133,907,500 | 3,768 |
| Average equity | $29,840,500 | 2,280 |
| Average total loans | $77,144,500 | 4,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 5,933 |
| Cost of funding earning assets | 0.2725% | 5,808 |
| Net interest margin | 3.0656% | 5,416 |
| Noninterest income to average assets | 0.9317% | 1,577 |
| Noninterest expense to average assets | 2.4858% | 4,812 |
| Loan and lease loss provision to assets | 0.0082% | 4,955 |
| Net operating income to assets | 0.7011% | 3,790 |
| Return on assets (ROA) | 0.7011% | 3,872 |
| Pretax return on assets | 0.8795% | 3,851 |
| Return on Equity (ROE) | 4.0204% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.0598% | 5,360 |
| Net charge-offs to loans | 0.0430% | 4,613 |
| Credit loss provision to net charge-offs | 45.1613% | 3,934 |
| Earnings coverage of net charge-offs (x) | 48.8065% | 812 |
| Efficiency ratio | 71.9826% | 3,478 |
| Assets per employee ($millions) | 5.5970% | 1,566 |
| Cash dividends to net income (ytd only)* | 73.6402% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,276 |
| Loan loss allowance to noncurrent loans | 963.5593% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 5,464 |
| Noncurrent loans to loans | 0.1537% | 5,735 |
| Net loans and leases to total assets | 45.0351% | 5,580 |
| Net loans and leases to deposits | 57.4749% | 5,168 |
| Net loans and leases to core deposits | 57.8646% | 5,405 |
| Total domestic deposits to total assets | 78.3561% | 5,770 |
| Equity capital to assets | 17.7030% | 337 |
| Core capital (leverage) ratio | 9.8278% | 3,807 |
| Tier 1 risk-based capital ratio | 18.6359% | 2,036 |
| Total risk-based capital ratio | 19.8886% | 2,000 |
| Memoranda: | ||
| Average total assets | $170,446,400 | 3,403 |
| Average earning assets | $135,764,000 | 3,725 |
| Average equity | $29,723,600 | 2,271 |
| Average total loans | $72,046,000 | 4,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 6,041 |
| Cost of funding earning assets | 0.2795% | 5,892 |
| Net interest margin | 3.0344% | 5,508 |
| Noninterest income to average assets | 0.9960% | 1,466 |
| Noninterest expense to average assets | 2.5523% | 4,542 |
| Loan and lease loss provision to assets | 0.0008% | 4,932 |
| Net operating income to assets | 0.6858% | 3,925 |
| Return on assets (ROA) | 0.6858% | 4,064 |
| Pretax return on assets | 0.8542% | 4,076 |
| Return on Equity (ROE) | 3.9474% | 5,243 |
| Retained earnings to average equity (ytd only) | 0.7491% | 5,673 |
| Net charge-offs to loans | 0.0508% | 4,180 |
| Credit loss provision to net charge-offs | 3.7037% | 4,292 |
| Earnings coverage of net charge-offs (x) | 40.6286% | 993 |
| Efficiency ratio | 72.7127% | 3,279 |
| Assets per employee ($millions) | 5.3621% | 1,777 |
| Cash dividends to net income (ytd only)* | 81.0228% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,193 |
| Loan loss allowance to noncurrent loans | 558.4158% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,516 |
| Noncurrent loans to loans | 0.2790% | 5,532 |
| Net loans and leases to total assets | 42.8724% | 5,830 |
| Net loans and leases to deposits | 55.7843% | 5,390 |
| Net loans and leases to core deposits | 56.1788% | 5,609 |
| Total domestic deposits to total assets | 76.8538% | 6,068 |
| Equity capital to assets | 17.8137% | 340 |
| Core capital (leverage) ratio | 9.7200% | 4,075 |
| Tier 1 risk-based capital ratio | 19.3190% | 1,901 |
| Total risk-based capital ratio | 20.5728% | 1,867 |
| Memoranda: | ||
| Average total assets | $171,080,750 | 3,424 |
| Average earning assets | $135,948,000 | 3,762 |
| Average equity | $29,723,250 | 2,288 |
| Average total loans | $70,868,750 | 4,268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 6,092 |
| Cost of funding earning assets | 0.2863% | 5,934 |
| Net interest margin | 3.0105% | 5,546 |
| Noninterest income to average assets | 1.1025% | 1,245 |
| Noninterest expense to average assets | 2.4482% | 4,905 |
| Loan and lease loss provision to assets | 0.0058% | 4,721 |
| Net operating income to assets | 0.7956% | 3,315 |
| Return on assets (ROA) | 0.7956% | 3,474 |
| Pretax return on assets | 1.0353% | 3,349 |
| Return on Equity (ROE) | 4.6168% | 4,943 |
| Retained earnings to average equity (ytd only) | 1.2231% | 5,411 |
| Net charge-offs to loans | 0.0455% | 4,041 |
| Credit loss provision to net charge-offs | 31.2500% | 3,566 |
| Earnings coverage of net charge-offs (x) | 56.1875% | 738 |
| Efficiency ratio | 68.0053% | 4,184 |
| Assets per employee ($millions) | 5.3461% | 1,747 |
| Cash dividends to net income (ytd only)* | 73.5080% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 3,037 |
| Loan loss allowance to noncurrent loans | 303.9894% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 5,297 |
| Noncurrent loans to loans | 0.5370% | 4,917 |
| Net loans and leases to total assets | 40.2630% | 6,024 |
| Net loans and leases to deposits | 52.5012% | 5,644 |
| Net loans and leases to core deposits | 53.0663% | 5,811 |
| Total domestic deposits to total assets | 76.6898% | 6,173 |
| Equity capital to assets | 17.3263% | 388 |
| Core capital (leverage) ratio | 9.6060% | 4,069 |
| Tier 1 risk-based capital ratio | 19.7618% | 1,774 |
| Total risk-based capital ratio | 21.0158% | 1,751 |
| Memoranda: | ||
| Average total assets | $172,699,000 | 3,415 |
| Average earning assets | $136,922,000 | 3,778 |
| Average equity | $29,760,670 | 2,293 |
| Average total loans | $70,360,670 | 4,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 6,150 |
| Cost of funding earning assets | 0.2969% | 5,991 |
| Net interest margin | 3.0072% | 5,548 |
| Noninterest income to average assets | 1.2772% | 935 |
| Noninterest expense to average assets | 2.4367% | 4,992 |
| Loan and lease loss provision to assets | 0.0115% | 4,307 |
| Net operating income to assets | 0.8876% | 2,709 |
| Return on assets (ROA) | 0.8876% | 2,854 |
| Pretax return on assets | 1.1872% | 2,626 |
| Return on Equity (ROE) | 5.1642% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.6425% | 4,698 |
| Net charge-offs to loans | 0.0794% | 3,043 |
| Credit loss provision to net charge-offs | 35.7143% | 2,805 |
| Earnings coverage of net charge-offs (x) | 37.1429% | 839 |
| Efficiency ratio | 64.9334% | 4,833 |
| Assets per employee ($millions) | 4.8901% | 2,362 |
| Cash dividends to net income (ytd only)* | 48.8312% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,275 |
| Loan loss allowance to noncurrent loans | 467.3469% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 5,400 |
| Noncurrent loans to loans | 0.3486% | 5,522 |
| Net loans and leases to total assets | 40.3972% | 5,968 |
| Net loans and leases to deposits | 52.5348% | 5,570 |
| Net loans and leases to core deposits | 52.9962% | 5,748 |
| Total domestic deposits to total assets | 76.8961% | 6,259 |
| Equity capital to assets | 17.4703% | 374 |
| Core capital (leverage) ratio | 9.6609% | 3,835 |
| Tier 1 risk-based capital ratio | 19.6773% | 1,856 |
| Total risk-based capital ratio | 20.9315% | 1,828 |
| Memoranda: | ||
| Average total assets | $173,511,000 | 3,438 |
| Average earning assets | $136,073,500 | 3,824 |
| Average equity | $29,820,500 | 2,311 |
| Average total loans | $70,529,500 | 4,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 6,350 |
| Cost of funding earning assets | 0.4213% | 5,776 |
| Net interest margin | 3.0856% | 5,852 |
| Noninterest income to average assets | 0.8636% | 1,979 |
| Noninterest expense to average assets | 2.3492% | 5,565 |
| Loan and lease loss provision to assets | 0.1061% | 4,311 |
| Net operating income to assets | 0.6758% | 3,851 |
| Return on assets (ROA) | 0.6758% | 4,125 |
| Pretax return on assets | 0.8273% | 4,192 |
| Return on Equity (ROE) | 4.0260% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.1730% | 5,281 |
| Net charge-offs to loans | 0.0526% | 5,192 |
| Credit loss provision to net charge-offs | 505.4054% | 478 |
| Earnings coverage of net charge-offs (x) | 44.4595% | 734 |
| Efficiency ratio | 69.2999% | 3,927 |
| Assets per employee ($millions) | 5.1726% | 2,019 |
| Cash dividends to net income (ytd only)* | 70.8648% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,182 |
| Loan loss allowance to noncurrent loans | 410.6762% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 5,468 |
| Noncurrent loans to loans | 0.3970% | 5,499 |
| Net loans and leases to total assets | 39.5857% | 6,202 |
| Net loans and leases to deposits | 51.8037% | 5,821 |
| Net loans and leases to core deposits | 52.2496% | 6,000 |
| Total domestic deposits to total assets | 76.4148% | 6,303 |
| Equity capital to assets | 16.9103% | 427 |
| Core capital (leverage) ratio | 9.1292% | 4,687 |
| Tier 1 risk-based capital ratio | 19.3470% | 1,851 |
| Total risk-based capital ratio | 20.6008% | 1,827 |
| Memoranda: | ||
| Average total assets | $176,230,200 | 3,361 |
| Average earning assets | $138,158,000 | 3,752 |
| Average equity | $29,582,400 | 2,273 |
| Average total loans | $70,400,000 | 4,349 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 6,488 |
| Cost of funding earning assets | 0.4441% | 5,837 |
| Net interest margin | 3.0771% | 5,990 |
| Noninterest income to average assets | 0.8583% | 1,988 |
| Noninterest expense to average assets | 2.3653% | 5,504 |
| Loan and lease loss provision to assets | 0.1406% | 3,779 |
| Net operating income to assets | 0.6443% | 4,176 |
| Return on assets (ROA) | 0.6443% | 4,429 |
| Pretax return on assets | 0.7675% | 4,602 |
| Return on Equity (ROE) | 3.8451% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.0245% | 5,756 |
| Net charge-offs to loans | 0.0702% | 4,707 |
| Credit loss provision to net charge-offs | 502.7027% | 529 |
| Earnings coverage of net charge-offs (x) | 32.4608% | 1,031 |
| Efficiency ratio | 69.9931% | 3,684 |
| Assets per employee ($millions) | 5.0371% | 2,138 |
| Cash dividends to net income (ytd only)* | 73.3567% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,292 |
| Loan loss allowance to noncurrent loans | 390.8475% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 5,226 |
| Noncurrent loans to loans | 0.4246% | 5,602 |
| Net loans and leases to total assets | 38.7546% | 6,372 |
| Net loans and leases to deposits | 50.6753% | 6,059 |
| Net loans and leases to core deposits | 51.1139% | 6,233 |
| Total domestic deposits to total assets | 76.4763% | 6,320 |
| Equity capital to assets | 16.8158% | 489 |
| Core capital (leverage) ratio | 9.1250% | 4,873 |
| Tier 1 risk-based capital ratio | 18.7575% | 2,089 |
| Total risk-based capital ratio | 20.0115% | 2,052 |
| Memoranda: | ||
| Average total assets | $176,320,500 | 3,408 |
| Average earning assets | $138,393,750 | 3,783 |
| Average equity | $29,543,000 | 2,295 |
| Average total loans | $70,306,750 | 4,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 6,585 |
| Cost of funding earning assets | 0.4546% | 5,940 |
| Net interest margin | 3.0628% | 6,093 |
| Noninterest income to average assets | 0.8768% | 1,873 |
| Noninterest expense to average assets | 2.4001% | 5,464 |
| Loan and lease loss provision to assets | 0.1361% | 3,819 |
| Net operating income to assets | 0.6522% | 4,101 |
| Return on assets (ROA) | 0.6522% | 4,359 |
| Pretax return on assets | 0.7781% | 4,550 |
| Return on Equity (ROE) | 3.8972% | 5,310 |
| Retained earnings to average equity (ytd only) | 1.1725% | 5,605 |
| Net charge-offs to loans | 0.0198% | 5,132 |
| Credit loss provision to net charge-offs | 1,714.2857% | 185 |
| Earnings coverage of net charge-offs (x) | 115.1429% | 376 |
| Efficiency ratio | 70.1574% | 3,745 |
| Assets per employee ($millions) | 5.3460% | 1,774 |
| Cash dividends to net income (ytd only)* | 69.9130% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,693 |
| Loan loss allowance to noncurrent loans | 365.0327% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,483 |
| Noncurrent loans to loans | 0.4311% | 5,674 |
| Net loans and leases to total assets | 39.6022% | 6,374 |
| Net loans and leases to deposits | 52.0899% | 6,021 |
| Net loans and leases to core deposits | 52.4441% | 6,208 |
| Total domestic deposits to total assets | 76.0267% | 6,452 |
| Equity capital to assets | 16.7767% | 471 |
| Core capital (leverage) ratio | 9.0459% | 4,849 |
| Tier 1 risk-based capital ratio | 18.6346% | 2,091 |
| Total risk-based capital ratio | 19.8879% | 2,047 |
| Memoranda: | ||
| Average total assets | $176,327,670 | 3,418 |
| Average earning assets | $140,328,670 | 3,781 |
| Average equity | $29,508,670 | 2,292 |
| Average total loans | $70,583,330 | 4,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 6,676 |
| Cost of funding earning assets | 0.4675% | 6,035 |
| Net interest margin | 3.0473% | 6,188 |
| Noninterest income to average assets | 0.9144% | 1,686 |
| Noninterest expense to average assets | 2.3598% | 5,597 |
| Loan and lease loss provision to assets | 0.1339% | 3,680 |
| Net operating income to assets | 0.6989% | 3,884 |
| Return on assets (ROA) | 0.6989% | 4,099 |
| Pretax return on assets | 0.8464% | 4,242 |
| Return on Equity (ROE) | 4.1813% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.4933% | 5,493 |
| Net charge-offs to loans | 0.0227% | 4,365 |
| Credit loss provision to net charge-offs | 1,475.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 321 |
| Efficiency ratio | 68.4103% | 4,091 |
| Assets per employee ($millions) | 5.0439% | 2,206 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 4,073 |
| Loan loss allowance to noncurrent loans | 283.1551% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,537 |
| Noncurrent loans to loans | 0.5361% | 5,592 |
| Net loans and leases to total assets | 37.8403% | 6,500 |
| Net loans and leases to deposits | 49.0225% | 6,222 |
| Net loans and leases to core deposits | 49.4299% | 6,369 |
| Total domestic deposits to total assets | 77.1895% | 6,373 |
| Equity capital to assets | 16.2590% | 538 |
| Core capital (leverage) ratio | 9.4182% | 4,171 |
| Tier 1 risk-based capital ratio | 18.9306% | 2,015 |
| Total risk-based capital ratio | 20.1824% | 1,970 |
| Memoranda: | ||
| Average total assets | $176,283,000 | 3,435 |
| Average earning assets | $140,323,000 | 3,807 |
| Average equity | $29,464,500 | 2,296 |
| Average total loans | $70,384,000 | 4,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 6,711 |
| Cost of funding earning assets | 0.5566% | 6,303 |
| Net interest margin | 3.2552% | 5,941 |
| Noninterest income to average assets | 0.8014% | 2,051 |
| Noninterest expense to average assets | 2.2764% | 6,098 |
| Loan and lease loss provision to assets | 0.1586% | 4,644 |
| Net operating income to assets | 0.8136% | 2,985 |
| Return on assets (ROA) | 0.8136% | 3,151 |
| Pretax return on assets | 1.0131% | 3,195 |
| Return on Equity (ROE) | 4.7787% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.2264% | 5,278 |
| Net charge-offs to loans | 0.1903% | 4,622 |
| Credit loss provision to net charge-offs | 202.9851% | 1,227 |
| Earnings coverage of net charge-offs (x) | 14.9925% | 1,426 |
| Efficiency ratio | 63.8024% | 5,160 |
| Assets per employee ($millions) | 4.7496% | 2,518 |
| Cash dividends to net income (ytd only)* | 74.3369% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 4,395 |
| Loan loss allowance to noncurrent loans | 250.3741% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,311 |
| Noncurrent loans to loans | 0.5648% | 5,584 |
| Net loans and leases to total assets | 40.9359% | 6,472 |
| Net loans and leases to deposits | 54.5081% | 6,019 |
| Net loans and leases to core deposits | 55.0977% | 6,222 |
| Total domestic deposits to total assets | 75.1004% | 6,592 |
| Equity capital to assets | 17.1978% | 428 |
| Core capital (leverage) ratio | 9.0723% | 4,665 |
| Tier 1 risk-based capital ratio | 18.7758% | 1,965 |
| Total risk-based capital ratio | 20.0326% | 1,921 |
| Memoranda: | ||
| Average total assets | $171,456,200 | 3,465 |
| Average earning assets | $139,409,000 | 3,760 |
| Average equity | $29,191,800 | 2,258 |
| Average total loans | $70,409,000 | 4,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 6,810 |
| Cost of funding earning assets | 0.5710% | 6,425 |
| Net interest margin | 3.2563% | 5,998 |
| Noninterest income to average assets | 0.7864% | 2,115 |
| Noninterest expense to average assets | 2.2839% | 6,080 |
| Loan and lease loss provision to assets | 0.1562% | 4,515 |
| Net operating income to assets | 0.8074% | 3,124 |
| Return on assets (ROA) | 0.8074% | 3,288 |
| Pretax return on assets | 1.0009% | 3,396 |
| Return on Equity (ROE) | 4.7542% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.3453% | 5,466 |
| Net charge-offs to loans | 0.1347% | 4,703 |
| Credit loss provision to net charge-offs | 283.0986% | 1,013 |
| Earnings coverage of net charge-offs (x) | 20.9727% | 1,200 |
| Efficiency ratio | 64.1599% | 5,035 |
| Assets per employee ($millions) | 5.1819% | 1,954 |
| Cash dividends to net income (ytd only)* | 71.7036% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,555 |
| Loan loss allowance to noncurrent loans | 284.5714% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 5,629 |
| Noncurrent loans to loans | 0.4927% | 5,863 |
| Net loans and leases to total assets | 39.7513% | 6,653 |
| Net loans and leases to deposits | 52.1198% | 6,354 |
| Net loans and leases to core deposits | 52.9617% | 6,510 |
| Total domestic deposits to total assets | 76.2690% | 6,497 |
| Equity capital to assets | 16.6662% | 522 |
| Core capital (leverage) ratio | 9.2746% | 4,496 |
| Tier 1 risk-based capital ratio | 19.0746% | 1,909 |
| Total risk-based capital ratio | 20.3268% | 1,883 |
| Memoranda: | ||
| Average total assets | $171,573,500 | 3,489 |
| Average earning assets | $139,870,750 | 3,771 |
| Average equity | $29,138,250 | 2,262 |
| Average total loans | $70,261,500 | 4,516 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 6,824 |
| Cost of funding earning assets | 0.5964% | 6,480 |
| Net interest margin | 3.2888% | 5,889 |
| Noninterest income to average assets | 0.7563% | 2,232 |
| Noninterest expense to average assets | 2.3430% | 6,019 |
| Loan and lease loss provision to assets | 0.1588% | 4,331 |
| Net operating income to assets | 0.7751% | 3,174 |
| Return on assets (ROA) | 0.7751% | 3,309 |
| Pretax return on assets | 0.9398% | 3,474 |
| Return on Equity (ROE) | 4.5349% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.1836% | 5,387 |
| Net charge-offs to loans | 0.0771% | 4,870 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 34.5926% | 831 |
| Efficiency ratio | 65.8237% | 4,908 |
| Assets per employee ($millions) | 4.3554% | 3,073 |
| Cash dividends to net income (ytd only)* | 73.8998% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,503 |
| Loan loss allowance to noncurrent loans | 213.5965% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,639 |
| Noncurrent loans to loans | 0.6616% | 5,588 |
| Net loans and leases to total assets | 40.0009% | 6,744 |
| Net loans and leases to deposits | 53.1359% | 6,376 |
| Net loans and leases to core deposits | 53.8365% | 6,573 |
| Total domestic deposits to total assets | 75.2804% | 6,695 |
| Equity capital to assets | 17.2088% | 467 |
| Core capital (leverage) ratio | 9.0927% | 4,582 |
| Tier 1 risk-based capital ratio | 19.0860% | 1,814 |
| Total risk-based capital ratio | 20.3381% | 1,779 |
| Memoranda: | ||
| Average total assets | $170,037,000 | 3,534 |
| Average earning assets | $138,835,330 | 3,807 |
| Average equity | $29,063,330 | 2,238 |
| Average total loans | $70,005,000 | 4,577 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 6,872 |
| Cost of funding earning assets | 0.6273% | 6,485 |
| Net interest margin | 3.2344% | 5,972 |
| Noninterest income to average assets | 0.6913% | 2,623 |
| Noninterest expense to average assets | 2.3465% | 6,061 |
| Loan and lease loss provision to assets | 0.1411% | 4,242 |
| Net operating income to assets | 0.7148% | 3,454 |
| Return on assets (ROA) | 0.7148% | 3,518 |
| Pretax return on assets | 0.8464% | 3,715 |
| Return on Equity (ROE) | 4.1961% | 4,799 |
| Retained earnings to average equity (ytd only) | 0.6073% | 5,590 |
| Net charge-offs to loans | 0.0340% | 4,622 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 437 |
| Efficiency ratio | 68.0536% | 4,644 |
| Assets per employee ($millions) | 4.7594% | 2,486 |
| Cash dividends to net income (ytd only)* | 85.5263% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 5,031 |
| Loan loss allowance to noncurrent loans | 241.4698% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 5,131 |
| Noncurrent loans to loans | 0.5472% | 5,934 |
| Net loans and leases to total assets | 40.1020% | 6,770 |
| Net loans and leases to deposits | 53.1552% | 6,370 |
| Net loans and leases to core deposits | 53.8480% | 6,566 |
| Total domestic deposits to total assets | 75.4433% | 6,745 |
| Equity capital to assets | 16.9274% | 448 |
| Core capital (leverage) ratio | 9.2799% | 4,152 |
| Tier 1 risk-based capital ratio | 17.7355% | 2,205 |
| Total risk-based capital ratio | 18.9566% | 2,191 |
| Memoranda: | ||
| Average total assets | $170,125,000 | 3,553 |
| Average earning assets | $139,006,500 | 3,840 |
| Average equity | $28,979,500 | 2,233 |
| Average total loans | $70,547,500 | 4,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 6,916 |
| Cost of funding earning assets | 0.8635% | 6,330 |
| Net interest margin | 3.3385% | 5,840 |
| Noninterest income to average assets | 0.8398% | 2,100 |
| Noninterest expense to average assets | 2.3044% | 6,347 |
| Loan and lease loss provision to assets | 0.1565% | 5,641 |
| Net operating income to assets | 0.9072% | 2,353 |
| Return on assets (ROA) | 0.9072% | 2,493 |
| Pretax return on assets | 1.1252% | 2,481 |
| Return on Equity (ROE) | 5.3741% | 3,913 |
| Retained earnings to average equity (ytd only) | 1.3331% | 4,877 |
| Net charge-offs to loans | 0.4967% | 3,647 |
| Credit loss provision to net charge-offs | 71.3904% | 5,826 |
| Earnings coverage of net charge-offs (x) | 5.8476% | 2,518 |
| Efficiency ratio | 62.1180% | 5,709 |
| Assets per employee ($millions) | 4.3311% | 3,149 |
| Cash dividends to net income (ytd only)* | 75.1938% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 5,453 |
| Loan loss allowance to noncurrent loans | 121.8003% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 4,900 |
| Noncurrent loans to loans | 0.9949% | 5,071 |
| Net loans and leases to total assets | 41.7963% | 6,857 |
| Net loans and leases to deposits | 57.3630% | 6,319 |
| Net loans and leases to core deposits | 58.1483% | 6,548 |
| Total domestic deposits to total assets | 72.8628% | 7,008 |
| Equity capital to assets | 17.1427% | 444 |
| Core capital (leverage) ratio | 8.6873% | 5,040 |
| Tier 1 risk-based capital ratio | 17.5598% | 2,152 |
| Total risk-based capital ratio | 18.7067% | 2,158 |
| Memoranda: | ||
| Average total assets | $170,630,200 | 3,522 |
| Average earning assets | $140,361,400 | 3,809 |
| Average equity | $28,804,600 | 2,257 |
| Average total loans | $75,295,600 | 4,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 7,002 |
| Cost of funding earning assets | 0.8926% | 6,421 |
| Net interest margin | 3.3775% | 5,755 |
| Noninterest income to average assets | 0.8317% | 2,073 |
| Noninterest expense to average assets | 2.3134% | 6,283 |
| Loan and lease loss provision to assets | 0.1574% | 5,471 |
| Net operating income to assets | 0.9275% | 2,505 |
| Return on assets (ROA) | 0.9275% | 2,639 |
| Pretax return on assets | 1.1450% | 2,682 |
| Return on Equity (ROE) | 5.5155% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.5434% | 5,184 |
| Net charge-offs to loans | 0.3235% | 4,047 |
| Credit loss provision to net charge-offs | 109.1892% | 3,893 |
| Earnings coverage of net charge-offs (x) | 9.0324% | 2,074 |
| Efficiency ratio | 61.8668% | 5,645 |
| Assets per employee ($millions) | 4.4371% | 3,016 |
| Cash dividends to net income (ytd only)* | 72.0168% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,867 |
| Loan loss allowance to noncurrent loans | 69.9647% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 5,009 |
| Noncurrent loans to loans | 1.8815% | 3,823 |
| Net loans and leases to total assets | 42.8880% | 6,917 |
| Net loans and leases to deposits | 58.1343% | 6,449 |
| Net loans and leases to core deposits | 59.0239% | 6,666 |
| Total domestic deposits to total assets | 73.7740% | 6,949 |
| Equity capital to assets | 16.7609% | 549 |
| Core capital (leverage) ratio | 9.0218% | 4,659 |
| Tier 1 risk-based capital ratio | 17.0900% | 2,308 |
| Total risk-based capital ratio | 18.3409% | 2,272 |
| Memoranda: | ||
| Average total assets | $171,059,750 | 3,560 |
| Average earning assets | $141,009,250 | 3,852 |
| Average equity | $28,766,750 | 2,289 |
| Average total loans | $76,253,250 | 4,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 6,985 |
| Cost of funding earning assets | 0.9246% | 6,484 |
| Net interest margin | 3.4123% | 5,591 |
| Noninterest income to average assets | 0.7864% | 2,192 |
| Noninterest expense to average assets | 2.3298% | 6,276 |
| Loan and lease loss provision to assets | 0.1596% | 5,295 |
| Net operating income to assets | 0.9202% | 2,470 |
| Return on assets (ROA) | 0.9202% | 2,572 |
| Pretax return on assets | 1.1127% | 2,743 |
| Return on Equity (ROE) | 5.4658% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.4850% | 5,129 |
| Net charge-offs to loans | 0.4204% | 3,315 |
| Credit loss provision to net charge-offs | 84.4720% | 4,582 |
| Earnings coverage of net charge-offs (x) | 6.7329% | 2,409 |
| Efficiency ratio | 62.5285% | 5,607 |
| Assets per employee ($millions) | 4.3564% | 3,123 |
| Cash dividends to net income (ytd only)* | 72.8316% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,186 |
| Loan loss allowance to noncurrent loans | 100.5302% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 5,527 |
| Noncurrent loans to loans | 1.2431% | 4,893 |
| Net loans and leases to total assets | 44.0897% | 6,913 |
| Net loans and leases to deposits | 60.9142% | 6,320 |
| Net loans and leases to core deposits | 62.0094% | 6,546 |
| Total domestic deposits to total assets | 72.3801% | 7,150 |
| Equity capital to assets | 16.9819% | 527 |
| Core capital (leverage) ratio | 8.7803% | 4,948 |
| Tier 1 risk-based capital ratio | 16.8560% | 2,337 |
| Total risk-based capital ratio | 18.0742% | 2,299 |
| Memoranda: | ||
| Average total assets | $170,397,670 | 3,593 |
| Average earning assets | $140,607,330 | 3,892 |
| Average equity | $28,687,670 | 2,286 |
| Average total loans | $76,602,330 | 4,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 7,081 |
| Cost of funding earning assets | 0.9479% | 6,588 |
| Net interest margin | 3.3871% | 5,632 |
| Noninterest income to average assets | 0.7759% | 2,145 |
| Noninterest expense to average assets | 2.3346% | 6,295 |
| Loan and lease loss provision to assets | 0.1477% | 5,069 |
| Net operating income to assets | 0.8814% | 2,628 |
| Return on assets (ROA) | 0.8814% | 2,702 |
| Pretax return on assets | 1.0993% | 2,734 |
| Return on Equity (ROE) | 5.2577% | 4,229 |
| Retained earnings to average equity (ytd only) | 0.9928% | 5,420 |
| Net charge-offs to loans | 0.0312% | 5,138 |
| Credit loss provision to net charge-offs | 1,050.0000% | 443 |
| Earnings coverage of net charge-offs (x) | 88.6667% | 365 |
| Efficiency ratio | 63.0236% | 5,658 |
| Assets per employee ($millions) | 4.1229% | 3,612 |
| Cash dividends to net income (ytd only)* | 81.1170% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,648 |
| Loan loss allowance to noncurrent loans | 75.4579% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 5,257 |
| Noncurrent loans to loans | 1.7960% | 4,057 |
| Net loans and leases to total assets | 44.3533% | 6,967 |
| Net loans and leases to deposits | 61.3686% | 6,334 |
| Net loans and leases to core deposits | 61.9604% | 6,605 |
| Total domestic deposits to total assets | 72.2737% | 7,239 |
| Equity capital to assets | 16.9246% | 542 |
| Core capital (leverage) ratio | 8.9935% | 4,584 |
| Tier 1 risk-based capital ratio | 16.5404% | 2,433 |
| Total risk-based capital ratio | 17.7907% | 2,383 |
| Memoranda: | ||
| Average total assets | $170,647,000 | 3,650 |
| Average earning assets | $141,359,500 | 3,933 |
| Average equity | $28,605,500 | 2,321 |
| Average total loans | $76,975,500 | 4,607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 6,889 |
| Cost of funding earning assets | 1.3356% | 6,191 |
| Net interest margin | 3.4915% | 4,999 |
| Noninterest income to average assets | 0.8207% | 2,304 |
| Noninterest expense to average assets | 2.3197% | 6,695 |
| Loan and lease loss provision to assets | 0.2277% | 5,547 |
| Net operating income to assets | 0.9055% | 2,162 |
| Return on assets (ROA) | 0.9301% | 2,135 |
| Pretax return on assets | 1.1790% | 2,006 |
| Return on Equity (ROE) | 5.5467% | 3,402 |
| Retained earnings to average equity (ytd only) | 1.4314% | 4,065 |
| Net charge-offs to loans | 0.4136% | 4,161 |
| Credit loss provision to net charge-offs | 115.8683% | 4,694 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,245 |
| Efficiency ratio | 60.6910% | 6,373 |
| Assets per employee ($millions) | 4.2014% | 3,437 |
| Cash dividends to net income (ytd only)* | 74.1935% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,066 |
| Loan loss allowance to noncurrent loans | 74.7312% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 5,571 |
| Noncurrent loans to loans | 1.6704% | 4,145 |
| Net loans and leases to total assets | 44.6858% | 7,076 |
| Net loans and leases to deposits | 62.6533% | 6,392 |
| Net loans and leases to core deposits | 69.2717% | 6,816 |
| Total domestic deposits to total assets | 71.3223% | 7,301 |
| Equity capital to assets | 16.6044% | 601 |
| Core capital (leverage) ratio | 8.4300% | 5,385 |
| Tier 1 risk-based capital ratio | 16.0761% | 2,485 |
| Total risk-based capital ratio | 17.2901% | 2,435 |
| Memoranda: | ||
| Average total assets | $169,976,800 | 3,613 |
| Average earning assets | $139,941,200 | 3,905 |
| Average equity | $28,503,400 | 2,334 |
| Average total loans | $80,763,000 | 4,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 6,806 |
| Cost of funding earning assets | 1.3997% | 6,233 |
| Net interest margin | 3.5361% | 4,716 |
| Noninterest income to average assets | 0.8130% | 2,368 |
| Noninterest expense to average assets | 2.3178% | 6,648 |
| Loan and lease loss provision to assets | 0.2456% | 4,998 |
| Net operating income to assets | 0.9048% | 2,407 |
| Return on assets (ROA) | 0.9374% | 2,342 |
| Pretax return on assets | 1.1963% | 2,277 |
| Return on Equity (ROE) | 5.5759% | 3,706 |
| Retained earnings to average equity (ytd only) | 1.0908% | 4,711 |
| Net charge-offs to loans | 0.3993% | 3,668 |
| Credit loss provision to net charge-offs | 127.8689% | 3,923 |
| Earnings coverage of net charge-offs (x) | 7.2909% | 2,432 |
| Efficiency ratio | 60.2667% | 6,377 |
| Assets per employee ($millions) | 4.1716% | 3,427 |
| Cash dividends to net income (ytd only)* | 80.4365% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,895 |
| Loan loss allowance to noncurrent loans | 68.2320% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 5,335 |
| Noncurrent loans to loans | 1.8194% | 3,888 |
| Net loans and leases to total assets | 45.9558% | 7,112 |
| Net loans and leases to deposits | 64.8499% | 6,414 |
| Net loans and leases to core deposits | 72.3557% | 6,822 |
| Total domestic deposits to total assets | 70.8649% | 7,343 |
| Equity capital to assets | 16.6587% | 681 |
| Core capital (leverage) ratio | 8.6873% | 5,153 |
| Tier 1 risk-based capital ratio | 15.8789% | 2,673 |
| Total risk-based capital ratio | 17.1136% | 2,613 |
| Memoranda: | ||
| Average total assets | $169,407,000 | 3,640 |
| Average earning assets | $139,172,000 | 3,946 |
| Average equity | $28,478,750 | 2,361 |
| Average total loans | $81,467,000 | 4,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 6,626 |
| Cost of funding earning assets | 1.4806% | 6,216 |
| Net interest margin | 3.5676% | 4,507 |
| Noninterest income to average assets | 0.8160% | 2,333 |
| Noninterest expense to average assets | 2.3143% | 6,723 |
| Loan and lease loss provision to assets | 0.1552% | 5,522 |
| Net operating income to assets | 0.9964% | 2,121 |
| Return on assets (ROA) | 1.0269% | 2,098 |
| Pretax return on assets | 1.3194% | 1,965 |
| Return on Equity (ROE) | 6.0897% | 3,604 |
| Retained earnings to average equity (ytd only) | 1.6576% | 4,417 |
| Net charge-offs to loans | 0.0146% | 6,332 |
| Credit loss provision to net charge-offs | 2,183.3333% | 247 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 207 |
| Efficiency ratio | 59.6336% | 6,604 |
| Assets per employee ($millions) | 4.3563% | 3,012 |
| Cash dividends to net income (ytd only)* | 72.7797% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 4,379 |
| Loan loss allowance to noncurrent loans | 79.7101% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 5,416 |
| Noncurrent loans to loans | 1.6094% | 4,083 |
| Net loans and leases to total assets | 47.3299% | 7,092 |
| Net loans and leases to deposits | 67.9356% | 6,197 |
| Net loans and leases to core deposits | 76.2560% | 6,656 |
| Total domestic deposits to total assets | 69.6687% | 7,502 |
| Equity capital to assets | 16.7602% | 699 |
| Core capital (leverage) ratio | 8.5000% | 5,446 |
| Tier 1 risk-based capital ratio | 15.6383% | 2,754 |
| Total risk-based capital ratio | 16.8888% | 2,686 |
| Memoranda: | ||
| Average total assets | $168,864,670 | 3,667 |
| Average earning assets | $138,862,670 | 3,972 |
| Average equity | $28,474,330 | 2,376 |
| Average total loans | $82,093,330 | 4,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 6,315 |
| Cost of funding earning assets | 1.6114% | 5,983 |
| Net interest margin | 3.5845% | 4,384 |
| Noninterest income to average assets | 0.6819% | 2,992 |
| Noninterest expense to average assets | 2.2311% | 6,753 |
| Loan and lease loss provision to assets | 0.1140% | 5,505 |
| Net operating income to assets | 0.9884% | 2,360 |
| Return on assets (ROA) | 0.9884% | 2,495 |
| Pretax return on assets | 1.2807% | 2,343 |
| Return on Equity (ROE) | 5.8439% | 4,097 |
| Retained earnings to average equity (ytd only) | 1.4610% | 5,036 |
| Net charge-offs to loans | 0.0146% | 5,386 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 214 |
| Efficiency ratio | 59.3709% | 6,499 |
| Assets per employee ($millions) | 4.3705% | 2,938 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,038 |
| Loan loss allowance to noncurrent loans | 155.1447% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 6,355 |
| Noncurrent loans to loans | 0.7491% | 5,560 |
| Net loans and leases to total assets | 48.1508% | 7,012 |
| Net loans and leases to deposits | 67.9896% | 6,189 |
| Net loans and leases to core deposits | 78.9285% | 6,467 |
| Total domestic deposits to total assets | 70.8208% | 7,348 |
| Equity capital to assets | 16.7281% | 757 |
| Core capital (leverage) ratio | 8.7466% | 5,068 |
| Tier 1 risk-based capital ratio | 15.3339% | 2,921 |
| Total risk-based capital ratio | 16.5416% | 2,883 |
| Memoranda: | ||
| Average total assets | $168,348,500 | 3,680 |
| Average earning assets | $138,262,500 | 3,989 |
| Average equity | $28,474,000 | 2,384 |
| Average total loans | $82,411,500 | 4,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 7,244 |
| Cost of funding earning assets | 2.1821% | 5,672 |
| Net interest margin | 3.3408% | 5,897 |
| Noninterest income to average assets | 0.6241% | 3,681 |
| Noninterest expense to average assets | 2.0830% | 7,270 |
| Loan and lease loss provision to assets | 0.0936% | 6,191 |
| Net operating income to assets | 0.9367% | 2,846 |
| Return on assets (ROA) | 0.9367% | 2,703 |
| Pretax return on assets | 1.2097% | 2,605 |
| Return on Equity (ROE) | 5.6128% | 4,111 |
| Retained earnings to average equity (ytd only) | 1.3659% | 4,399 |
| Net charge-offs to loans | 0.2054% | 4,152 |
| Credit loss provision to net charge-offs | 94.6108% | 5,554 |
| Earnings coverage of net charge-offs (x) | 13.1796% | 2,158 |
| Efficiency ratio | 59.2236% | 6,495 |
| Assets per employee ($millions) | 4.1562% | 3,197 |
| Cash dividends to net income (ytd only)* | 75.6637% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,099 |
| Loan loss allowance to noncurrent loans | 481.6754% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 6,763 |
| Noncurrent loans to loans | 0.2335% | 6,681 |
| Net loans and leases to total assets | 48.6415% | 7,136 |
| Net loans and leases to deposits | 69.2189% | 6,348 |
| Net loans and leases to core deposits | 79.8753% | 6,628 |
| Total domestic deposits to total assets | 70.2719% | 7,245 |
| Equity capital to assets | 17.1041% | 767 |
| Core capital (leverage) ratio | 8.4421% | 5,674 |
| Tier 1 risk-based capital ratio | 15.5905% | 2,817 |
| Total risk-based capital ratio | 16.7751% | 2,771 |
| Memoranda: | ||
| Average total assets | $168,889,600 | 3,572 |
| Average earning assets | $139,639,000 | 3,857 |
| Average equity | $28,185,800 | 2,396 |
| Average total loans | $81,323,800 | 4,483 |