Home > The First National Bank of Byers > Performance and Condition Ratios
The First National Bank of Byers, 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 | 3.8596% | 4,247 |
| Cost of funding earning assets | 0.0487% | 6,663 |
| Net interest margin | 3.8109% | 2,426 |
| Noninterest income to average assets | 0.8455% | 1,580 |
| Noninterest expense to average assets | 4.3210% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1169% | 6,297 |
| Return on assets (ROA) | -0.1169% | 6,308 |
| Pretax return on assets | -0.1247% | 6,298 |
| Return on Equity (ROE) | -0.8752% | 6,285 |
| Retained earnings to average equity (ytd only) | -10.0945% | 6,363 |
| Net charge-offs to loans | -0.0825% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9712% | 399 |
| Assets per employee ($millions) | 3.8081% | 4,307 |
| Cash dividends to net income (ytd only)* | -1,053.3333% | 6,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0199% | 6,669 |
| Loan loss allowance to noncurrent loans | 1.8550% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 3,831 |
| Noncurrent loans to loans | 1.0738% | 3,274 |
| Net loans and leases to total assets | 53.6978% | 4,462 |
| Net loans and leases to deposits | 61.9270% | 4,555 |
| Net loans and leases to core deposits | 63.3953% | 4,741 |
| Total domestic deposits to total assets | 86.7115% | 2,988 |
| Equity capital to assets | 13.1650% | 1,226 |
| Core capital (leverage) ratio | 10.2636% | 3,203 |
| Tier 1 risk-based capital ratio | 17.3367% | 2,542 |
| Total risk-based capital ratio | 17.3548% | 3,079 |
| Memoranda: | ||
| Average total assets | $102,662,000 | 4,659 |
| Average earning assets | $90,268,000 | 4,770 |
| Average equity | $13,710,500 | 4,105 |
| Average total loans | $53,353,000 | 4,812 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,810 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.0000% | 6,807 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.0000% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0000% | 6,212 |
| Return on assets (ROA) | 0.0000% | 6,253 |
| Pretax return on assets | 0.0000% | 6,232 |
| Return on Equity (ROE) | 0.0000% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.6609% | 4,562 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 4,035 |
| Noncurrent loans to loans | 1.4684% | 2,687 |
| Net loans and leases to total assets | 50.2254% | 5,058 |
| Net loans and leases to deposits | 58.1734% | 5,107 |
| Net loans and leases to core deposits | 59.5625% | 5,250 |
| Total domestic deposits to total assets | 86.3374% | 3,090 |
| Equity capital to assets | 13.5455% | 1,051 |
| Core capital (leverage) ratio | 10.9362% | 2,447 |
| Tier 1 risk-based capital ratio | 18.6614% | 2,026 |
| Total risk-based capital ratio | 18.6614% | 2,426 |
| Memoranda: | ||
| Average total assets | $99,396,400 | 4,753 |
| Average earning assets | $89,368,200 | 4,796 |
| Average equity | $11,390,200 | 4,558 |
| Average total loans | $52,188,200 | 4,880 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,434 |
| Cost of funding earning assets | 0.0685% | 6,821 |
| Net interest margin | 3.8489% | 2,468 |
| Noninterest income to average assets | 0.6300% | 2,992 |
| Noninterest expense to average assets | 3.5692% | 1,458 |
| Loan and lease loss provision to assets | 0.1420% | 2,511 |
| Net operating income to assets | 0.3042% | 5,605 |
| Return on assets (ROA) | 0.3042% | 5,716 |
| Pretax return on assets | 0.4123% | 5,592 |
| Return on Equity (ROE) | 2.7863% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.4768% | 4,839 |
| Net charge-offs to loans | 0.1986% | 2,647 |
| Credit loss provision to net charge-offs | 134.6154% | 1,750 |
| Earnings coverage of net charge-offs (x) | 5.2563% | 3,241 |
| Efficiency ratio | 86.5574% | 1,312 |
| Assets per employee ($millions) | 3.5534% | 4,745 |
| Cash dividends to net income (ytd only)* | 11.1104% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,201 |
| Loan loss allowance to noncurrent loans | 171.8884% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,026 |
| Noncurrent loans to loans | 0.9055% | 4,008 |
| Net loans and leases to total assets | 50.9222% | 5,013 |
| Net loans and leases to deposits | 57.3477% | 5,247 |
| Net loans and leases to core deposits | 58.7189% | 5,389 |
| Total domestic deposits to total assets | 88.7954% | 1,672 |
| Equity capital to assets | 10.8820% | 2,884 |
| Core capital (leverage) ratio | 10.9440% | 2,535 |
| Tier 1 risk-based capital ratio | 18.3892% | 2,178 |
| Total risk-based capital ratio | 19.6408% | 2,144 |
| Memoranda: | ||
| Average total assets | $98,619,000 | 4,819 |
| Average earning assets | $89,513,250 | 4,829 |
| Average equity | $10,766,500 | 4,741 |
| Average total loans | $52,364,250 | 4,909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,342 |
| Cost of funding earning assets | 0.0718% | 6,868 |
| Net interest margin | 3.8614% | 2,340 |
| Noninterest income to average assets | 0.6204% | 3,074 |
| Noninterest expense to average assets | 3.5514% | 1,502 |
| Loan and lease loss provision to assets | 0.1383% | 2,600 |
| Net operating income to assets | 0.3173% | 5,532 |
| Return on assets (ROA) | 0.3173% | 5,688 |
| Pretax return on assets | 0.4292% | 5,578 |
| Return on Equity (ROE) | 2.9033% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.4380% | 4,750 |
| Net charge-offs to loans | 0.5051% | 1,299 |
| Credit loss provision to net charge-offs | 51.1278% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.0977% | 3,822 |
| Efficiency ratio | 86.2222% | 1,393 |
| Assets per employee ($millions) | 3.5255% | 4,803 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,116 |
| Loan loss allowance to noncurrent loans | 103.5036% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 4,485 |
| Noncurrent loans to loans | 1.3363% | 3,319 |
| Net loans and leases to total assets | 51.2100% | 4,968 |
| Net loans and leases to deposits | 57.6039% | 5,197 |
| Net loans and leases to core deposits | 58.9899% | 5,346 |
| Total domestic deposits to total assets | 88.9004% | 1,687 |
| Equity capital to assets | 10.8909% | 2,860 |
| Core capital (leverage) ratio | 11.0231% | 2,333 |
| Tier 1 risk-based capital ratio | 18.5042% | 2,141 |
| Total risk-based capital ratio | 19.7218% | 2,111 |
| Memoranda: | ||
| Average total assets | $98,327,000 | 4,857 |
| Average earning assets | $89,087,000 | 4,867 |
| Average equity | $10,746,330 | 4,782 |
| Average total loans | $52,663,670 | 4,924 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,386 |
| Cost of funding earning assets | 0.0763% | 6,943 |
| Net interest margin | 3.8484% | 2,286 |
| Noninterest income to average assets | 0.6196% | 3,030 |
| Noninterest expense to average assets | 3.5503% | 1,522 |
| Loan and lease loss provision to assets | 0.0978% | 3,057 |
| Net operating income to assets | 0.3587% | 5,313 |
| Return on assets (ROA) | 0.3587% | 5,454 |
| Pretax return on assets | 0.4647% | 5,380 |
| Return on Equity (ROE) | 3.2762% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.2762% | 4,284 |
| Net charge-offs to loans | 0.2998% | 1,764 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 3.4500% | 2,763 |
| Efficiency ratio | 86.3231% | 1,479 |
| Assets per employee ($millions) | 3.4421% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,168 |
| Loan loss allowance to noncurrent loans | 182.2115% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 5,310 |
| Noncurrent loans to loans | 0.7761% | 4,565 |
| Net loans and leases to total assets | 54.8247% | 4,270 |
| Net loans and leases to deposits | 61.8214% | 4,573 |
| Net loans and leases to core deposits | 62.4136% | 4,915 |
| Total domestic deposits to total assets | 88.6823% | 1,881 |
| Equity capital to assets | 11.1880% | 2,755 |
| Core capital (leverage) ratio | 11.1689% | 2,118 |
| Tier 1 risk-based capital ratio | 17.9481% | 2,388 |
| Total risk-based capital ratio | 19.1975% | 2,352 |
| Memoranda: | ||
| Average total assets | $98,133,000 | 4,903 |
| Average earning assets | $89,077,000 | 4,906 |
| Average equity | $10,744,000 | 4,825 |
| Average total loans | $53,365,000 | 4,937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 5,625 |
| Cost of funding earning assets | 0.1515% | 6,914 |
| Net interest margin | 3.7314% | 3,514 |
| Noninterest income to average assets | 0.6802% | 2,835 |
| Noninterest expense to average assets | 3.4128% | 2,018 |
| Loan and lease loss provision to assets | 0.0469% | 5,247 |
| Net operating income to assets | 0.4544% | 4,870 |
| Return on assets (ROA) | 0.4544% | 5,111 |
| Pretax return on assets | 0.6642% | 4,779 |
| Return on Equity (ROE) | 4.3517% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.2561% | 3,228 |
| Net charge-offs to loans | 0.0445% | 5,291 |
| Credit loss provision to net charge-offs | 204.3478% | 1,256 |
| Earnings coverage of net charge-offs (x) | 30.9565% | 985 |
| Efficiency ratio | 82.7561% | 1,778 |
| Assets per employee ($millions) | 3.4443% | 5,121 |
| Cash dividends to net income (ytd only)* | 2.1978% | 4,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,913 |
| Loan loss allowance to noncurrent loans | 156.9980% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,202 |
| Noncurrent loans to loans | 0.9279% | 4,335 |
| Net loans and leases to total assets | 52.4178% | 4,860 |
| Net loans and leases to deposits | 58.7507% | 5,157 |
| Net loans and leases to core deposits | 59.2895% | 5,423 |
| Total domestic deposits to total assets | 89.2207% | 1,425 |
| Equity capital to assets | 10.7172% | 3,256 |
| Core capital (leverage) ratio | 10.7376% | 2,509 |
| Tier 1 risk-based capital ratio | 17.6609% | 2,396 |
| Total risk-based capital ratio | 18.9121% | 2,363 |
| Memoranda: | ||
| Average total assets | $100,123,000 | 4,831 |
| Average earning assets | $92,405,600 | 4,801 |
| Average equity | $10,455,600 | 4,878 |
| Average total loans | $51,725,800 | 5,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 5,849 |
| Cost of funding earning assets | 0.1750% | 6,996 |
| Net interest margin | 3.6979% | 3,800 |
| Noninterest income to average assets | 0.5936% | 3,322 |
| Noninterest expense to average assets | 3.4350% | 1,912 |
| Loan and lease loss provision to assets | 0.0626% | 4,929 |
| Net operating income to assets | 0.3700% | 5,371 |
| Return on assets (ROA) | 0.3700% | 5,571 |
| Pretax return on assets | 0.5270% | 5,389 |
| Return on Equity (ROE) | 3.5664% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.5664% | 4,366 |
| Net charge-offs to loans | -0.0337% | 6,605 |
| Credit loss provision to net charge-offs | -361.5385% | 6,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3505% | 1,444 |
| Assets per employee ($millions) | 3.3032% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,385 |
| Loan loss allowance to noncurrent loans | 200.9926% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 4,986 |
| Noncurrent loans to loans | 0.8137% | 4,785 |
| Net loans and leases to total assets | 50.8534% | 5,207 |
| Net loans and leases to deposits | 57.3707% | 5,497 |
| Net loans and leases to core deposits | 57.9225% | 5,737 |
| Total domestic deposits to total assets | 88.6401% | 1,631 |
| Equity capital to assets | 11.0144% | 3,258 |
| Core capital (leverage) ratio | 10.7687% | 2,636 |
| Tier 1 risk-based capital ratio | 18.3246% | 2,221 |
| Total risk-based capital ratio | 19.5770% | 2,197 |
| Memoranda: | ||
| Average total assets | $100,182,250 | 4,871 |
| Average earning assets | $92,951,250 | 4,826 |
| Average equity | $10,393,250 | 4,940 |
| Average total loans | $51,374,250 | 5,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 5,937 |
| Cost of funding earning assets | 0.2072% | 7,017 |
| Net interest margin | 3.6843% | 3,904 |
| Noninterest income to average assets | 0.5942% | 3,286 |
| Noninterest expense to average assets | 3.4807% | 1,828 |
| Loan and lease loss provision to assets | 0.0925% | 4,408 |
| Net operating income to assets | 0.3188% | 5,552 |
| Return on assets (ROA) | 0.3188% | 5,756 |
| Pretax return on assets | 0.4506% | 5,574 |
| Return on Equity (ROE) | 3.1333% | 5,638 |
| Retained earnings to average equity (ytd only) | 3.1333% | 4,542 |
| Net charge-offs to loans | -0.1539% | 6,949 |
| Credit loss provision to net charge-offs | -117.5000% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5037% | 1,380 |
| Assets per employee ($millions) | 3.2922% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 3,201 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 5,340 |
| Noncurrent loans to loans | 0.5057% | 5,520 |
| Net loans and leases to total assets | 48.8078% | 5,518 |
| Net loans and leases to deposits | 54.6908% | 5,800 |
| Net loans and leases to core deposits | 55.9067% | 5,953 |
| Total domestic deposits to total assets | 89.2432% | 1,361 |
| Equity capital to assets | 10.5513% | 3,622 |
| Core capital (leverage) ratio | 10.1799% | 3,165 |
| Tier 1 risk-based capital ratio | 18.3624% | 2,175 |
| Total risk-based capital ratio | 19.6154% | 2,138 |
| Memoranda: | ||
| Average total assets | $101,645,330 | 4,863 |
| Average earning assets | $94,617,000 | 4,801 |
| Average equity | $10,340,670 | 4,954 |
| Average total loans | $51,991,000 | 5,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 6,086 |
| Cost of funding earning assets | 0.2326% | 7,048 |
| Net interest margin | 3.6381% | 4,091 |
| Noninterest income to average assets | 0.5704% | 3,420 |
| Noninterest expense to average assets | 3.5000% | 1,763 |
| Loan and lease loss provision to assets | 0.1824% | 3,147 |
| Net operating income to assets | 0.2134% | 5,946 |
| Return on assets (ROA) | 0.2134% | 6,090 |
| Pretax return on assets | 0.2871% | 6,009 |
| Return on Equity (ROE) | 2.1358% | 6,027 |
| Retained earnings to average equity (ytd only) | 2.1358% | 5,194 |
| Net charge-offs to loans | 0.0150% | 4,480 |
| Credit loss provision to net charge-offs | 2,350.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 548 |
| Efficiency ratio | 88.1720% | 1,269 |
| Assets per employee ($millions) | 3.4451% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 4,145 |
| Loan loss allowance to noncurrent loans | 165.2807% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,011 |
| Noncurrent loans to loans | 0.9090% | 4,849 |
| Net loans and leases to total assets | 50.4315% | 5,250 |
| Net loans and leases to deposits | 56.1115% | 5,589 |
| Net loans and leases to core deposits | 57.2933% | 5,787 |
| Total domestic deposits to total assets | 89.8773% | 1,147 |
| Equity capital to assets | 9.9776% | 4,146 |
| Core capital (leverage) ratio | 9.9772% | 3,388 |
| Tier 1 risk-based capital ratio | 17.0202% | 2,672 |
| Total risk-based capital ratio | 18.2718% | 2,635 |
| Memoranda: | ||
| Average total assets | $103,085,500 | 4,862 |
| Average earning assets | $96,314,500 | 4,787 |
| Average equity | $10,300,500 | 4,972 |
| Average total loans | $53,465,500 | 5,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 6,079 |
| Cost of funding earning assets | 0.3207% | 7,072 |
| Net interest margin | 3.8701% | 3,472 |
| Noninterest income to average assets | 0.5732% | 3,343 |
| Noninterest expense to average assets | 3.7763% | 1,390 |
| Loan and lease loss provision to assets | 0.0883% | 5,486 |
| Net operating income to assets | 0.2260% | 5,503 |
| Return on assets (ROA) | 0.2260% | 5,647 |
| Pretax return on assets | 0.2907% | 5,587 |
| Return on Equity (ROE) | 2.1505% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.1017% | 4,716 |
| Net charge-offs to loans | 0.2454% | 4,244 |
| Credit loss provision to net charge-offs | 65.6489% | 5,002 |
| Earnings coverage of net charge-offs (x) | 2.8168% | 3,803 |
| Efficiency ratio | 90.8776% | 1,123 |
| Assets per employee ($millions) | 3.3167% | 5,460 |
| Cash dividends to net income (ytd only)* | 2.2727% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,522 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 5,056 |
| Noncurrent loans to loans | 0.9257% | 4,843 |
| Net loans and leases to total assets | 51.8037% | 5,341 |
| Net loans and leases to deposits | 57.5759% | 5,744 |
| Net loans and leases to core deposits | 58.6304% | 5,959 |
| Total domestic deposits to total assets | 89.9746% | 1,006 |
| Equity capital to assets | 10.0069% | 4,163 |
| Core capital (leverage) ratio | 10.3640% | 2,890 |
| Tier 1 risk-based capital ratio | 16.7535% | 2,719 |
| Total risk-based capital ratio | 17.9856% | 2,681 |
| Memoranda: | ||
| Average total assets | $97,343,600 | 4,969 |
| Average earning assets | $90,101,400 | 4,935 |
| Average equity | $10,230,000 | 4,964 |
| Average total loans | $53,387,400 | 5,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 5,965 |
| Cost of funding earning assets | 0.3520% | 7,121 |
| Net interest margin | 3.9429% | 3,179 |
| Noninterest income to average assets | 0.6279% | 3,009 |
| Noninterest expense to average assets | 3.9343% | 1,094 |
| Loan and lease loss provision to assets | 0.0431% | 5,901 |
| Net operating income to assets | 0.2264% | 5,629 |
| Return on assets (ROA) | 0.2264% | 5,763 |
| Pretax return on assets | 0.2917% | 5,717 |
| Return on Equity (ROE) | 2.1275% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.0622% | 5,106 |
| Net charge-offs to loans | 0.1653% | 4,467 |
| Credit loss provision to net charge-offs | 46.9697% | 5,102 |
| Earnings coverage of net charge-offs (x) | 3.6515% | 3,352 |
| Efficiency ratio | 92.1575% | 1,025 |
| Assets per employee ($millions) | 3.2905% | 5,501 |
| Cash dividends to net income (ytd only)* | 3.0691% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 4,235 |
| Loan loss allowance to noncurrent loans | 121.0191% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 4,740 |
| Noncurrent loans to loans | 1.2173% | 4,513 |
| Net loans and leases to total assets | 51.4922% | 5,514 |
| Net loans and leases to deposits | 57.6709% | 5,872 |
| Net loans and leases to core deposits | 58.9552% | 6,061 |
| Total domestic deposits to total assets | 89.2862% | 1,264 |
| Equity capital to assets | 10.3967% | 3,836 |
| Core capital (leverage) ratio | 10.4988% | 2,872 |
| Tier 1 risk-based capital ratio | 17.4673% | 2,457 |
| Total risk-based capital ratio | 18.7178% | 2,429 |
| Memoranda: | ||
| Average total assets | $95,974,750 | 5,041 |
| Average earning assets | $88,629,250 | 5,002 |
| Average equity | $10,215,250 | 4,989 |
| Average total loans | $53,230,750 | 5,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 5,557 |
| Cost of funding earning assets | 0.3821% | 7,170 |
| Net interest margin | 4.0574% | 2,585 |
| Noninterest income to average assets | 0.6249% | 2,979 |
| Noninterest expense to average assets | 3.8775% | 1,231 |
| Loan and lease loss provision to assets | 0.0337% | 5,896 |
| Net operating income to assets | 0.3429% | 5,205 |
| Return on assets (ROA) | 0.3429% | 5,338 |
| Pretax return on assets | 0.4671% | 5,177 |
| Return on Equity (ROE) | 3.1963% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.0982% | 4,303 |
| Net charge-offs to loans | 0.2566% | 3,601 |
| Credit loss provision to net charge-offs | 23.1884% | 5,088 |
| Earnings coverage of net charge-offs (x) | 3.4493% | 3,163 |
| Efficiency ratio | 88.5632% | 1,354 |
| Assets per employee ($millions) | 3.3201% | 5,392 |
| Cash dividends to net income (ytd only)* | 3.0675% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,459 |
| Loan loss allowance to noncurrent loans | 121.4403% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 4,958 |
| Noncurrent loans to loans | 1.1737% | 4,692 |
| Net loans and leases to total assets | 53.2986% | 5,388 |
| Net loans and leases to deposits | 59.8610% | 5,738 |
| Net loans and leases to core deposits | 61.2294% | 5,973 |
| Total domestic deposits to total assets | 89.0374% | 1,512 |
| Equity capital to assets | 10.6811% | 3,306 |
| Core capital (leverage) ratio | 10.6814% | 2,538 |
| Tier 1 risk-based capital ratio | 17.6193% | 2,300 |
| Total risk-based capital ratio | 18.8701% | 2,272 |
| Memoranda: | ||
| Average total assets | $95,061,670 | 5,106 |
| Average earning assets | $87,939,000 | 5,064 |
| Average equity | $10,199,330 | 4,994 |
| Average total loans | $53,777,670 | 5,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 5,971 |
| Cost of funding earning assets | 0.3965% | 7,231 |
| Net interest margin | 3.9194% | 3,048 |
| Noninterest income to average assets | 0.6141% | 3,073 |
| Noninterest expense to average assets | 3.9258% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2541% | 5,600 |
| Return on assets (ROA) | 0.2541% | 5,663 |
| Pretax return on assets | 0.3303% | 5,563 |
| Return on Equity (ROE) | 2.3629% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.1660% | 4,843 |
| Net charge-offs to loans | 0.2489% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.2941% | 3,164 |
| Efficiency ratio | 92.2388% | 1,146 |
| Assets per employee ($millions) | 3.0543% | 6,042 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,665 |
| Loan loss allowance to noncurrent loans | 50.1318% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 3,403 |
| Noncurrent loans to loans | 2.7929% | 2,708 |
| Net loans and leases to total assets | 56.6010% | 4,892 |
| Net loans and leases to deposits | 63.5160% | 5,323 |
| Net loans and leases to core deposits | 66.1993% | 5,488 |
| Total domestic deposits to total assets | 89.1130% | 1,700 |
| Equity capital to assets | 10.7560% | 2,921 |
| Core capital (leverage) ratio | 10.7096% | 2,430 |
| Tier 1 risk-based capital ratio | 16.7308% | 2,574 |
| Total risk-based capital ratio | 17.9808% | 2,545 |
| Memoranda: | ||
| Average total assets | $94,451,500 | 5,156 |
| Average earning assets | $87,769,000 | 5,098 |
| Average equity | $10,157,000 | 5,001 |
| Average total loans | $54,637,000 | 5,226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 5,416 |
| Cost of funding earning assets | 0.5127% | 7,282 |
| Net interest margin | 4.2840% | 1,884 |
| Noninterest income to average assets | 0.4741% | 4,356 |
| Noninterest expense to average assets | 4.0820% | 1,049 |
| Loan and lease loss provision to assets | 0.6561% | 2,514 |
| Net operating income to assets | -0.1786% | 6,085 |
| Return on assets (ROA) | -0.1786% | 6,146 |
| Pretax return on assets | -0.3297% | 6,186 |
| Return on Equity (ROE) | -1.5712% | 6,127 |
| Retained earnings to average equity (ytd only) | -1.5712% | 5,901 |
| Net charge-offs to loans | 1.1437% | 1,946 |
| Credit loss provision to net charge-offs | 97.3813% | 4,763 |
| Earnings coverage of net charge-offs (x) | 0.4845% | 5,628 |
| Efficiency ratio | 92.5963% | 1,141 |
| Assets per employee ($millions) | 3.0394% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 4,296 |
| Loan loss allowance to noncurrent loans | 112.6062% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 4,859 |
| Noncurrent loans to loans | 1.2855% | 4,564 |
| Net loans and leases to total assets | 57.4469% | 5,118 |
| Net loans and leases to deposits | 64.3932% | 5,582 |
| Net loans and leases to core deposits | 67.1184% | 5,762 |
| Total domestic deposits to total assets | 89.2126% | 1,534 |
| Equity capital to assets | 10.7513% | 2,904 |
| Core capital (leverage) ratio | 10.6521% | 2,412 |
| Tier 1 risk-based capital ratio | 16.3479% | 2,596 |
| Total risk-based capital ratio | 17.5989% | 2,553 |
| Memoranda: | ||
| Average total assets | $90,691,400 | 5,267 |
| Average earning assets | $83,286,400 | 5,242 |
| Average equity | $10,310,800 | 5,037 |
| Average total loans | $53,424,400 | 5,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 5,406 |
| Cost of funding earning assets | 0.5287% | 7,403 |
| Net interest margin | 4.3383% | 1,720 |
| Noninterest income to average assets | 0.7141% | 2,744 |
| Noninterest expense to average assets | 4.2281% | 797 |
| Loan and lease loss provision to assets | 0.3192% | 4,037 |
| Net operating income to assets | 0.1336% | 5,679 |
| Return on assets (ROA) | 0.1336% | 5,843 |
| Pretax return on assets | 0.1381% | 5,854 |
| Return on Equity (ROE) | 1.1587% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.1587% | 5,355 |
| Net charge-offs to loans | 0.7640% | 2,517 |
| Credit loss provision to net charge-offs | 70.7237% | 5,397 |
| Earnings coverage of net charge-offs (x) | 1.0132% | 5,048 |
| Efficiency ratio | 90.2408% | 1,269 |
| Assets per employee ($millions) | 3.0374% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,790 |
| Loan loss allowance to noncurrent loans | 139.3822% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,943 |
| Noncurrent loans to loans | 0.9558% | 5,318 |
| Net loans and leases to total assets | 56.7890% | 5,446 |
| Net loans and leases to deposits | 64.1582% | 5,899 |
| Net loans and leases to core deposits | 68.1815% | 5,919 |
| Total domestic deposits to total assets | 88.5141% | 1,663 |
| Equity capital to assets | 11.0823% | 2,872 |
| Core capital (leverage) ratio | 10.9844% | 2,274 |
| Tier 1 risk-based capital ratio | 17.0740% | 2,315 |
| Total risk-based capital ratio | 18.2784% | 2,295 |
| Memoranda: | ||
| Average total assets | $89,809,000 | 5,362 |
| Average earning assets | $82,211,500 | 5,336 |
| Average equity | $10,356,000 | 5,099 |
| Average total loans | $53,050,000 | 5,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 5,031 |
| Cost of funding earning assets | 0.5338% | 7,501 |
| Net interest margin | 4.4466% | 1,325 |
| Noninterest income to average assets | 0.7153% | 2,618 |
| Noninterest expense to average assets | 4.3029% | 726 |
| Loan and lease loss provision to assets | 0.4527% | 3,058 |
| Net operating income to assets | 0.0521% | 5,984 |
| Return on assets (ROA) | 0.0521% | 6,088 |
| Pretax return on assets | 0.0136% | 6,133 |
| Return on Equity (ROE) | 0.4453% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.4453% | 5,584 |
| Net charge-offs to loans | 0.9721% | 1,907 |
| Credit loss provision to net charge-offs | 78.1250% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.8047% | 4,967 |
| Efficiency ratio | 90.2231% | 1,314 |
| Assets per employee ($millions) | 2.9416% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 4,458 |
| Loan loss allowance to noncurrent loans | 115.0915% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 4,601 |
| Noncurrent loans to loans | 1.2117% | 4,939 |
| Net loans and leases to total assets | 58.5415% | 5,326 |
| Net loans and leases to deposits | 66.2546% | 5,774 |
| Net loans and leases to core deposits | 70.5484% | 5,823 |
| Total domestic deposits to total assets | 88.3584% | 1,801 |
| Equity capital to assets | 11.3642% | 2,546 |
| Core capital (leverage) ratio | 11.2180% | 2,089 |
| Tier 1 risk-based capital ratio | 16.9630% | 2,293 |
| Total risk-based capital ratio | 18.2125% | 2,247 |
| Memoranda: | ||
| Average total assets | $88,359,000 | 5,442 |
| Average earning assets | $80,555,330 | 5,415 |
| Average equity | $10,329,670 | 5,109 |
| Average total loans | $52,668,670 | 5,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 4,384 |
| Cost of funding earning assets | 0.5325% | 7,624 |
| Net interest margin | 4.5996% | 952 |
| Noninterest income to average assets | 0.7131% | 2,511 |
| Noninterest expense to average assets | 4.4673% | 601 |
| Loan and lease loss provision to assets | 0.9201% | 1,382 |
| Net operating income to assets | -0.2852% | 6,650 |
| Return on assets (ROA) | -0.2852% | 6,707 |
| Pretax return on assets | -0.5015% | 6,784 |
| Return on Equity (ROE) | -2.4047% | 6,681 |
| Retained earnings to average equity (ytd only) | -2.4047% | 6,276 |
| Net charge-offs to loans | 2.0180% | 850 |
| Credit loss provision to net charge-offs | 76.3359% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.3473% | 4,726 |
| Efficiency ratio | 91.4313% | 1,319 |
| Assets per employee ($millions) | 2.8197% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,328 |
| Loan loss allowance to noncurrent loans | 92.0147% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 4,240 |
| Noncurrent loans to loans | 1.5418% | 4,435 |
| Net loans and leases to total assets | 59.5424% | 5,195 |
| Net loans and leases to deposits | 68.1757% | 5,565 |
| Net loans and leases to core deposits | 70.3847% | 5,882 |
| Total domestic deposits to total assets | 87.3367% | 2,441 |
| Equity capital to assets | 11.7710% | 2,187 |
| Core capital (leverage) ratio | 11.6394% | 1,834 |
| Tier 1 risk-based capital ratio | 17.2353% | 2,181 |
| Total risk-based capital ratio | 18.4848% | 2,137 |
| Memoranda: | ||
| Average total assets | $86,943,500 | 5,549 |
| Average earning assets | $78,876,500 | 5,549 |
| Average equity | $10,313,000 | 5,147 |
| Average total loans | $51,933,500 | 5,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 5,554 |
| Cost of funding earning assets | 0.7211% | 7,658 |
| Net interest margin | 4.4989% | 1,184 |
| Noninterest income to average assets | 0.6704% | 3,157 |
| Noninterest expense to average assets | 4.1420% | 1,172 |
| Loan and lease loss provision to assets | 0.1255% | 6,382 |
| Net operating income to assets | 0.3671% | 4,262 |
| Return on assets (ROA) | 0.3671% | 4,361 |
| Pretax return on assets | 0.4984% | 4,190 |
| Return on Equity (ROE) | 3.0953% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.0463% | 3,029 |
| Net charge-offs to loans | 0.1551% | 5,711 |
| Credit loss provision to net charge-offs | 142.1053% | 3,400 |
| Earnings coverage of net charge-offs (x) | 7.0658% | 2,226 |
| Efficiency ratio | 86.9088% | 2,004 |
| Assets per employee ($millions) | 2.7024% | 6,850 |
| Cash dividends to net income (ytd only)* | 1.5823% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 3,332 |
| Loan loss allowance to noncurrent loans | 140.0691% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 5,792 |
| Noncurrent loans to loans | 1.1337% | 5,066 |
| Net loans and leases to total assets | 58.1207% | 5,647 |
| Net loans and leases to deposits | 66.1320% | 6,029 |
| Net loans and leases to core deposits | 78.5205% | 6,221 |
| Total domestic deposits to total assets | 87.8858% | 2,020 |
| Equity capital to assets | 11.9535% | 2,059 |
| Core capital (leverage) ratio | 11.4621% | 1,937 |
| Tier 1 risk-based capital ratio | 17.9145% | 1,912 |
| Total risk-based capital ratio | 19.1665% | 1,878 |
| Memoranda: | ||
| Average total assets | $86,068,800 | 5,521 |
| Average earning assets | $78,352,800 | 5,517 |
| Average equity | $10,209,000 | 5,240 |
| Average total loans | $48,995,400 | 5,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 5,546 |
| Cost of funding earning assets | 0.7672% | 7,743 |
| Net interest margin | 4.5079% | 1,175 |
| Noninterest income to average assets | 0.6188% | 3,557 |
| Noninterest expense to average assets | 4.2418% | 986 |
| Loan and lease loss provision to assets | 0.1396% | 5,963 |
| Net operating income to assets | 0.2714% | 4,896 |
| Return on assets (ROA) | 0.2714% | 4,999 |
| Pretax return on assets | 0.3474% | 4,938 |
| Return on Equity (ROE) | 2.2927% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.2927% | 4,046 |
| Net charge-offs to loans | 0.2420% | 4,540 |
| Credit loss provision to net charge-offs | 102.2727% | 4,974 |
| Earnings coverage of net charge-offs (x) | 3.5682% | 3,477 |
| Efficiency ratio | 89.7015% | 1,713 |
| Assets per employee ($millions) | 2.8140% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 2,978 |
| Loan loss allowance to noncurrent loans | 128.0328% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 5,793 |
| Noncurrent loans to loans | 1.2508% | 4,855 |
| Net loans and leases to total assets | 53.2916% | 6,461 |
| Net loans and leases to deposits | 60.4246% | 6,794 |
| Net loans and leases to core deposits | 71.8211% | 6,857 |
| Total domestic deposits to total assets | 88.1952% | 1,565 |
| Equity capital to assets | 11.3439% | 2,718 |
| Core capital (leverage) ratio | 11.5958% | 2,016 |
| Tier 1 risk-based capital ratio | 18.0603% | 1,971 |
| Total risk-based capital ratio | 19.3125% | 1,921 |
| Memoranda: | ||
| Average total assets | $85,966,750 | 5,555 |
| Average earning assets | $78,379,000 | 5,548 |
| Average equity | $10,177,000 | 5,294 |
| Average total loans | $48,476,250 | 5,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 5,173 |
| Cost of funding earning assets | 0.8371% | 7,774 |
| Net interest margin | 4.5587% | 1,038 |
| Noninterest income to average assets | 0.6004% | 3,688 |
| Noninterest expense to average assets | 4.2763% | 981 |
| Loan and lease loss provision to assets | 0.2128% | 4,919 |
| Net operating income to assets | 0.2175% | 5,194 |
| Return on assets (ROA) | 0.2175% | 5,279 |
| Pretax return on assets | 0.2695% | 5,276 |
| Return on Equity (ROE) | 1.8103% | 5,373 |
| Retained earnings to average equity (ytd only) | 1.8103% | 4,339 |
| Net charge-offs to loans | 0.1943% | 4,326 |
| Credit loss provision to net charge-offs | 191.4894% | 2,389 |
| Earnings coverage of net charge-offs (x) | 4.3404% | 3,125 |
| Efficiency ratio | 89.8659% | 1,829 |
| Assets per employee ($millions) | 2.6093% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 2,377 |
| Loan loss allowance to noncurrent loans | 124.3570% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,413 |
| Noncurrent loans to loans | 1.3613% | 4,493 |
| Net loans and leases to total assets | 57.1697% | 6,071 |
| Net loans and leases to deposits | 65.3206% | 6,453 |
| Net loans and leases to core deposits | 79.6260% | 6,438 |
| Total domestic deposits to total assets | 87.5217% | 2,007 |
| Equity capital to assets | 12.1010% | 2,152 |
| Core capital (leverage) ratio | 11.6478% | 2,003 |
| Tier 1 risk-based capital ratio | 18.1059% | 1,986 |
| Total risk-based capital ratio | 19.3590% | 1,931 |
| Memoranda: | ||
| Average total assets | $84,606,330 | 5,625 |
| Average earning assets | $77,171,000 | 5,623 |
| Average equity | $10,164,330 | 5,314 |
| Average total loans | $48,378,670 | 5,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 5,291 |
| Cost of funding earning assets | 0.9309% | 7,770 |
| Net interest margin | 4.4941% | 1,139 |
| Noninterest income to average assets | 0.5495% | 3,924 |
| Noninterest expense to average assets | 4.0582% | 1,116 |
| Loan and lease loss provision to assets | 0.1644% | 4,826 |
| Net operating income to assets | 0.3006% | 5,297 |
| Return on assets (ROA) | 0.3006% | 5,472 |
| Pretax return on assets | 0.4086% | 5,371 |
| Return on Equity (ROE) | 2.5112% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.5112% | 4,479 |
| Net charge-offs to loans | 0.2568% | 3,125 |
| Credit loss provision to net charge-offs | 112.9032% | 3,434 |
| Earnings coverage of net charge-offs (x) | 3.9355% | 3,024 |
| Efficiency ratio | 87.6268% | 1,922 |
| Assets per employee ($millions) | 2.7154% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 2,460 |
| Loan loss allowance to noncurrent loans | 113.8081% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 5,195 |
| Noncurrent loans to loans | 1.4192% | 4,181 |
| Net loans and leases to total assets | 54.8900% | 6,368 |
| Net loans and leases to deposits | 62.4223% | 6,700 |
| Net loans and leases to core deposits | 75.0464% | 6,744 |
| Total domestic deposits to total assets | 87.9333% | 1,774 |
| Equity capital to assets | 11.7410% | 2,415 |
| Core capital (leverage) ratio | 11.5904% | 2,095 |
| Tier 1 risk-based capital ratio | 18.1805% | 2,009 |
| Total risk-based capital ratio | 19.4332% | 1,962 |
| Memoranda: | ||
| Average total assets | $85,161,000 | 5,640 |
| Average earning assets | $77,345,500 | 5,642 |
| Average equity | $10,194,500 | 5,325 |
| Average total loans | $48,289,500 | 5,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2013% | 4,511 |
| Cost of funding earning assets | 1.3806% | 7,759 |
| Net interest margin | 4.8207% | 745 |
| Noninterest income to average assets | 0.6266% | 3,661 |
| Noninterest expense to average assets | 4.3350% | 1,005 |
| Loan and lease loss provision to assets | 0.0294% | 7,035 |
| Net operating income to assets | 0.4271% | 5,043 |
| Return on assets (ROA) | 0.4271% | 4,860 |
| Pretax return on assets | 0.6254% | 4,613 |
| Return on Equity (ROE) | 3.5203% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.4698% | 2,981 |
| Net charge-offs to loans | 0.1058% | 5,238 |
| Credit loss provision to net charge-offs | 50.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | 11.1458% | 2,406 |
| Efficiency ratio | 86.8776% | 1,773 |
| Assets per employee ($millions) | 2.6072% | 6,989 |
| Cash dividends to net income (ytd only)* | 1.4327% | 4,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,163 |
| Loan loss allowance to noncurrent loans | 98.2346% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 4,452 |
| Noncurrent loans to loans | 1.6486% | 3,300 |
| Net loans and leases to total assets | 56.7206% | 6,357 |
| Net loans and leases to deposits | 64.8034% | 6,729 |
| Net loans and leases to core deposits | 77.9862% | 6,748 |
| Total domestic deposits to total assets | 87.5273% | 1,698 |
| Equity capital to assets | 12.2102% | 2,158 |
| Core capital (leverage) ratio | 11.1583% | 2,459 |
| Tier 1 risk-based capital ratio | 18.2853% | 1,962 |
| Total risk-based capital ratio | 19.5385% | 1,915 |
| Memoranda: | ||
| Average total assets | $81,706,400 | 5,638 |
| Average earning assets | $73,952,600 | 5,662 |
| Average equity | $9,914,000 | 5,436 |
| Average total loans | $45,388,800 | 5,908 |