Home > 1st Bank Oklahoma > Performance and Condition Ratios
1st Bank Oklahoma, Performance and Condition Ratios
| 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 | 1.7736% | 7,302 |
| Cost of funding earning assets | 0.2998% | 7,108 |
| Net interest margin | 1.4739% | 7,289 |
| Noninterest income to average assets | 0.6589% | 2,838 |
| Noninterest expense to average assets | 1.5009% | 7,165 |
| Loan and lease loss provision to assets | 0.0585% | 5,869 |
| Net operating income to assets | 0.3362% | 5,115 |
| Return on assets (ROA) | 0.3555% | 5,213 |
| Pretax return on assets | 0.4797% | 5,046 |
| Return on Equity (ROE) | 3.4063% | 5,114 |
| Retained earnings to average equity (ytd only) | -39.7116% | 7,154 |
| Net charge-offs to loans | 0.0204% | 6,156 |
| Credit loss provision to net charge-offs | 565.2174% | 404 |
| Earnings coverage of net charge-offs (x) | 49.4783% | 568 |
| Efficiency ratio | 70.9814% | 3,782 |
| Assets per employee ($millions) | 2.8657% | 6,345 |
| Cash dividends to net income (ytd only)* | 1,265.8228% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0988% | 7,281 |
| Loan loss allowance to noncurrent loans | 3.4317% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 2.7488% | 2,207 |
| Noncurrent loans to loans | 2.8797% | 2,269 |
| Net loans and leases to total assets | 57.1906% | 4,516 |
| Net loans and leases to deposits | 68.4521% | 4,373 |
| Net loans and leases to core deposits | 73.4802% | 4,306 |
| Total domestic deposits to total assets | 83.5483% | 4,517 |
| Equity capital to assets | 10.1842% | 3,929 |
| Core capital (leverage) ratio | 8.5361% | 5,503 |
| Tier 1 risk-based capital ratio | 14.3865% | 4,054 |
| Total risk-based capital ratio | 14.4828% | 4,868 |
| Memoranda: | ||
| Average total assets | $222,205,000 | 2,819 |
| Average earning assets | $204,156,000 | 2,800 |
| Average equity | $23,192,200 | 2,757 |
| Average total loans | $112,971,800 | 3,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1030% | 7,407 |
| Cost of funding earning assets | 0.2017% | 7,328 |
| Net interest margin | 0.9012% | 7,400 |
| Noninterest income to average assets | 0.4478% | 4,312 |
| Noninterest expense to average assets | 0.8967% | 7,384 |
| Loan and lease loss provision to assets | 0.0492% | 5,833 |
| Net operating income to assets | 0.2229% | 5,639 |
| Return on assets (ROA) | 0.2279% | 5,758 |
| Pretax return on assets | 0.3390% | 5,626 |
| Return on Equity (ROE) | 2.1730% | 5,715 |
| Retained earnings to average equity (ytd only) | -52.9796% | 7,296 |
| Net charge-offs to loans | 0.0023% | 6,168 |
| Credit loss provision to net charge-offs | 4,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 328.5805% | 113 |
| Efficiency ratio | 66.5761% | 4,608 |
| Assets per employee ($millions) | 3.0392% | 6,032 |
| Cash dividends to net income (ytd only)* | 2,538.0720% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0750% | 7,358 |
| Loan loss allowance to noncurrent loans | 0.9371% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 6.0908% | 872 |
| Noncurrent loans to loans | 7.9995% | 549 |
| Net loans and leases to total assets | 57.7829% | 4,544 |
| Net loans and leases to deposits | 68.8045% | 4,474 |
| Net loans and leases to core deposits | 73.7590% | 4,490 |
| Total domestic deposits to total assets | 83.9813% | 4,238 |
| Equity capital to assets | 9.8240% | 4,595 |
| Core capital (leverage) ratio | 7.8948% | 6,489 |
| Tier 1 risk-based capital ratio | 13.5194% | 4,717 |
| Total risk-based capital ratio | 13.5918% | 5,613 |
| Memoranda: | ||
| Average total assets | $230,472,250 | 2,727 |
| Average earning assets | $212,147,500 | 2,713 |
| Average equity | $24,174,750 | 2,655 |
| Average total loans | $114,146,000 | 3,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 6,640 |
| Cost of funding earning assets | 0.8858% | 4,787 |
| Net interest margin | 3.1278% | 6,346 |
| Noninterest income to average assets | 1.0441% | 1,208 |
| Noninterest expense to average assets | 2.5259% | 5,440 |
| Loan and lease loss provision to assets | 0.0550% | 5,629 |
| Net operating income to assets | 0.8493% | 2,861 |
| Return on assets (ROA) | 1.6158% | 755 |
| Pretax return on assets | 2.5555% | 224 |
| Return on Equity (ROE) | 15.1523% | 777 |
| Retained earnings to average equity (ytd only) | 15.1523% | 238 |
| Net charge-offs to loans | 0.5066% | 2,582 |
| Credit loss provision to net charge-offs | 22.9452% | 5,091 |
| Earnings coverage of net charge-offs (x) | 5.8904% | 2,513 |
| Efficiency ratio | 64.1293% | 5,213 |
| Assets per employee ($millions) | 3.3064% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,628 |
| Loan loss allowance to noncurrent loans | 215.6770% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 3,757 |
| Noncurrent loans to loans | 0.7499% | 5,408 |
| Net loans and leases to total assets | 49.1294% | 5,929 |
| Net loans and leases to deposits | 61.6966% | 5,537 |
| Net loans and leases to core deposits | 70.1892% | 5,052 |
| Total domestic deposits to total assets | 79.6306% | 5,919 |
| Equity capital to assets | 11.9055% | 2,160 |
| Core capital (leverage) ratio | 11.9592% | 1,620 |
| Tier 1 risk-based capital ratio | 23.7119% | 1,032 |
| Total risk-based capital ratio | 24.9661% | 1,021 |
| Memoranda: | ||
| Average total assets | $243,473,000 | 2,617 |
| Average earning assets | $225,333,330 | 2,581 |
| Average equity | $25,963,000 | 2,468 |
| Average total loans | $115,288,000 | 3,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 6,042 |
| Cost of funding earning assets | 0.8787% | 5,072 |
| Net interest margin | 3.4108% | 5,387 |
| Noninterest income to average assets | 1.0538% | 1,184 |
| Noninterest expense to average assets | 2.4352% | 5,779 |
| Loan and lease loss provision to assets | 0.1899% | 3,728 |
| Net operating income to assets | 1.0168% | 2,124 |
| Return on assets (ROA) | 1.1282% | 1,787 |
| Pretax return on assets | 1.7722% | 861 |
| Return on Equity (ROE) | 11.1578% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.1578% | 872 |
| Net charge-offs to loans | 0.7261% | 1,763 |
| Credit loss provision to net charge-offs | 56.6038% | 3,609 |
| Earnings coverage of net charge-offs (x) | 5.3302% | 2,299 |
| Efficiency ratio | 57.6620% | 6,306 |
| Assets per employee ($millions) | 3.5411% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 3,363 |
| Loan loss allowance to noncurrent loans | 137.7385% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.6645% | 3,757 |
| Noncurrent loans to loans | 1.2285% | 4,631 |
| Net loans and leases to total assets | 47.0249% | 6,189 |
| Net loans and leases to deposits | 58.4630% | 5,885 |
| Net loans and leases to core deposits | 70.8501% | 4,945 |
| Total domestic deposits to total assets | 80.4353% | 5,833 |
| Equity capital to assets | 10.7452% | 2,935 |
| Core capital (leverage) ratio | 10.6663% | 2,461 |
| Tier 1 risk-based capital ratio | 20.4104% | 1,498 |
| Total risk-based capital ratio | 21.6644% | 1,473 |
| Memoranda: | ||
| Average total assets | $252,791,000 | 2,542 |
| Average earning assets | $234,904,000 | 2,497 |
| Average equity | $25,560,500 | 2,488 |
| Average total loans | $116,793,500 | 3,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 5,976 |
| Cost of funding earning assets | 1.0037% | 5,667 |
| Net interest margin | 3.6397% | 4,620 |
| Noninterest income to average assets | 1.2449% | 964 |
| Noninterest expense to average assets | 2.4368% | 5,988 |
| Loan and lease loss provision to assets | 0.4678% | 3,327 |
| Net operating income to assets | 1.1470% | 1,552 |
| Return on assets (ROA) | 1.2441% | 1,377 |
| Pretax return on assets | 1.8648% | 660 |
| Return on Equity (ROE) | 12.5443% | 1,208 |
| Retained earnings to average equity (ytd only) | 9.5938% | 587 |
| Net charge-offs to loans | 0.7431% | 2,794 |
| Credit loss provision to net charge-offs | 131.7265% | 2,993 |
| Earnings coverage of net charge-offs (x) | 6.1603% | 2,424 |
| Efficiency ratio | 52.6946% | 6,934 |
| Assets per employee ($millions) | 3.8375% | 4,150 |
| Cash dividends to net income (ytd only)* | 23.5200% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 3,125 |
| Loan loss allowance to noncurrent loans | 183.2136% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 4,240 |
| Noncurrent loans to loans | 0.9408% | 5,164 |
| Net loans and leases to total assets | 43.9461% | 6,716 |
| Net loans and leases to deposits | 64.2247% | 5,601 |
| Net loans and leases to core deposits | 78.9233% | 4,355 |
| Total domestic deposits to total assets | 68.4254% | 7,309 |
| Equity capital to assets | 9.5349% | 4,359 |
| Core capital (leverage) ratio | 9.4311% | 3,801 |
| Tier 1 risk-based capital ratio | 17.8911% | 2,032 |
| Total risk-based capital ratio | 19.1408% | 1,995 |
| Memoranda: | ||
| Average total assets | $251,185,800 | 2,536 |
| Average earning assets | $233,231,800 | 2,500 |
| Average equity | $24,911,800 | 2,568 |
| Average total loans | $120,032,000 | 3,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 5,984 |
| Cost of funding earning assets | 1.0418% | 5,733 |
| Net interest margin | 3.6680% | 4,555 |
| Noninterest income to average assets | 1.2317% | 909 |
| Noninterest expense to average assets | 2.5096% | 5,686 |
| Loan and lease loss provision to assets | 0.5112% | 2,900 |
| Net operating income to assets | 0.9917% | 2,265 |
| Return on assets (ROA) | 1.1171% | 1,942 |
| Pretax return on assets | 1.8074% | 911 |
| Return on Equity (ROE) | 11.1484% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.2014% | 1,753 |
| Net charge-offs to loans | 0.8845% | 2,231 |
| Credit loss provision to net charge-offs | 118.8986% | 3,485 |
| Earnings coverage of net charge-offs (x) | 4.9374% | 2,892 |
| Efficiency ratio | 54.1759% | 6,773 |
| Assets per employee ($millions) | 3.5647% | 4,814 |
| Cash dividends to net income (ytd only)* | 35.4048% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,565 |
| Loan loss allowance to noncurrent loans | 192.2457% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 4,234 |
| Noncurrent loans to loans | 0.8267% | 5,564 |
| Net loans and leases to total assets | 47.3718% | 6,572 |
| Net loans and leases to deposits | 66.8304% | 5,567 |
| Net loans and leases to core deposits | 66.8304% | 6,048 |
| Total domestic deposits to total assets | 70.8836% | 7,225 |
| Equity capital to assets | 10.5043% | 3,511 |
| Core capital (leverage) ratio | 9.6652% | 3,669 |
| Tier 1 risk-based capital ratio | 17.5731% | 2,150 |
| Total risk-based capital ratio | 18.8229% | 2,124 |
| Memoranda: | ||
| Average total assets | $247,785,750 | 2,597 |
| Average earning assets | $229,729,750 | 2,569 |
| Average equity | $24,828,000 | 2,609 |
| Average total loans | $120,439,000 | 3,361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 6,200 |
| Cost of funding earning assets | 1.0590% | 5,877 |
| Net interest margin | 3.6230% | 4,721 |
| Noninterest income to average assets | 1.1456% | 989 |
| Noninterest expense to average assets | 2.4579% | 5,890 |
| Loan and lease loss provision to assets | 0.3034% | 3,972 |
| Net operating income to assets | 1.0695% | 1,947 |
| Return on assets (ROA) | 1.1901% | 1,653 |
| Pretax return on assets | 1.9385% | 688 |
| Return on Equity (ROE) | 12.0737% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.4718% | 968 |
| Net charge-offs to loans | -0.0232% | 7,302 |
| Credit loss provision to net charge-offs | -2,678.5714% | 6,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4835% | 6,816 |
| Assets per employee ($millions) | 3.5703% | 4,751 |
| Cash dividends to net income (ytd only)* | 21.5500% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,739 |
| Loan loss allowance to noncurrent loans | 62.0162% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 3,944 |
| Noncurrent loans to loans | 2.8895% | 2,764 |
| Net loans and leases to total assets | 46.4188% | 6,753 |
| Net loans and leases to deposits | 68.3286% | 5,522 |
| Net loans and leases to core deposits | 74.2522% | 5,415 |
| Total domestic deposits to total assets | 67.9346% | 7,432 |
| Equity capital to assets | 10.1176% | 3,867 |
| Core capital (leverage) ratio | 9.4247% | 3,925 |
| Tier 1 risk-based capital ratio | 17.3705% | 2,144 |
| Total risk-based capital ratio | 18.6202% | 2,105 |
| Memoranda: | ||
| Average total assets | $247,205,670 | 2,627 |
| Average earning assets | $229,643,330 | 2,587 |
| Average equity | $24,367,000 | 2,656 |
| Average total loans | $120,547,330 | 3,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 6,435 |
| Cost of funding earning assets | 1.0883% | 5,964 |
| Net interest margin | 3.5534% | 4,933 |
| Noninterest income to average assets | 1.1374% | 964 |
| Noninterest expense to average assets | 2.4453% | 5,931 |
| Loan and lease loss provision to assets | 0.3688% | 3,156 |
| Net operating income to assets | 0.9940% | 2,212 |
| Return on assets (ROA) | 1.0391% | 2,097 |
| Pretax return on assets | 1.6848% | 1,088 |
| Return on Equity (ROE) | 10.6882% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.6882% | 992 |
| Net charge-offs to loans | -0.1125% | 7,543 |
| Credit loss provision to net charge-offs | -661.7647% | 6,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2184% | 6,857 |
| Assets per employee ($millions) | 3.5684% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,239 |
| Loan loss allowance to noncurrent loans | 61.0287% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9523% | 3,558 |
| Noncurrent loans to loans | 2.7089% | 2,957 |
| Net loans and leases to total assets | 48.7306% | 6,602 |
| Net loans and leases to deposits | 71.2561% | 5,158 |
| Net loans and leases to core deposits | 76.7675% | 5,160 |
| Total domestic deposits to total assets | 68.3880% | 7,510 |
| Equity capital to assets | 9.8638% | 4,040 |
| Core capital (leverage) ratio | 9.4599% | 3,831 |
| Tier 1 risk-based capital ratio | 16.7846% | 2,352 |
| Total risk-based capital ratio | 18.0344% | 2,303 |
| Memoranda: | ||
| Average total assets | $244,064,500 | 2,718 |
| Average earning assets | $226,039,000 | 2,677 |
| Average equity | $23,727,000 | 2,747 |
| Average total loans | $120,914,500 | 3,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 6,003 |
| Cost of funding earning assets | 1.4173% | 5,852 |
| Net interest margin | 3.7020% | 4,138 |
| Noninterest income to average assets | 1.4383% | 705 |
| Noninterest expense to average assets | 2.8107% | 4,935 |
| Loan and lease loss provision to assets | 0.4920% | 3,915 |
| Net operating income to assets | 0.9952% | 1,860 |
| Return on assets (ROA) | 1.0776% | 1,625 |
| Pretax return on assets | 1.7210% | 743 |
| Return on Equity (ROE) | 12.5045% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.5045% | 180 |
| Net charge-offs to loans | 0.3204% | 4,641 |
| Credit loss provision to net charge-offs | 288.5117% | 1,164 |
| Earnings coverage of net charge-offs (x) | 12.2219% | 1,527 |
| Efficiency ratio | 57.4184% | 6,845 |
| Assets per employee ($millions) | 3.5059% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 3,902 |
| Loan loss allowance to noncurrent loans | 360.9856% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,461 |
| Noncurrent loans to loans | 0.4064% | 6,465 |
| Net loans and leases to total assets | 48.8074% | 6,748 |
| Net loans and leases to deposits | 73.3971% | 5,137 |
| Net loans and leases to core deposits | 92.4914% | 4,828 |
| Total domestic deposits to total assets | 66.4977% | 7,623 |
| Equity capital to assets | 9.5769% | 4,298 |
| Core capital (leverage) ratio | 9.3510% | 3,899 |
| Tier 1 risk-based capital ratio | 16.7744% | 2,213 |
| Total risk-based capital ratio | 18.0251% | 2,185 |
| Memoranda: | ||
| Average total assets | $224,573,200 | 2,881 |
| Average earning assets | $209,696,400 | 2,839 |
| Average equity | $19,353,000 | 3,300 |
| Average total loans | $119,548,000 | 3,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 5,897 |
| Cost of funding earning assets | 1.5053% | 5,797 |
| Net interest margin | 3.6905% | 4,110 |
| Noninterest income to average assets | 1.4335% | 728 |
| Noninterest expense to average assets | 2.8495% | 4,673 |
| Loan and lease loss provision to assets | 0.2603% | 4,869 |
| Net operating income to assets | 1.1055% | 1,717 |
| Return on assets (ROA) | 1.1896% | 1,548 |
| Pretax return on assets | 1.9118% | 646 |
| Return on Equity (ROE) | 14.2391% | 889 |
| Retained earnings to average equity (ytd only) | 14.2391% | 182 |
| Net charge-offs to loans | 0.1540% | 5,178 |
| Credit loss provision to net charge-offs | 311.5942% | 1,326 |
| Earnings coverage of net charge-offs (x) | 24.4269% | 1,091 |
| Efficiency ratio | 58.2694% | 6,684 |
| Assets per employee ($millions) | 3.4794% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,874 |
| Loan loss allowance to noncurrent loans | 57.1978% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 5,087 |
| Noncurrent loans to loans | 1.8768% | 3,802 |
| Net loans and leases to total assets | 52.1530% | 6,585 |
| Net loans and leases to deposits | 75.9027% | 5,066 |
| Net loans and leases to core deposits | 92.3593% | 5,203 |
| Total domestic deposits to total assets | 68.7104% | 7,514 |
| Equity capital to assets | 8.8167% | 5,758 |
| Core capital (leverage) ratio | 8.3300% | 5,784 |
| Tier 1 risk-based capital ratio | 14.7322% | 3,167 |
| Total risk-based capital ratio | 15.7390% | 3,228 |
| Memoranda: | ||
| Average total assets | $220,240,000 | 2,955 |
| Average earning assets | $206,289,500 | 2,906 |
| Average equity | $18,399,500 | 3,465 |
| Average total loans | $119,478,500 | 3,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 5,894 |
| Cost of funding earning assets | 1.5998% | 5,744 |
| Net interest margin | 3.6453% | 4,193 |
| Noninterest income to average assets | 1.4386% | 724 |
| Noninterest expense to average assets | 2.9490% | 4,295 |
| Loan and lease loss provision to assets | 0.2235% | 4,799 |
| Net operating income to assets | 1.0442% | 1,961 |
| Return on assets (ROA) | 1.0894% | 1,886 |
| Pretax return on assets | 1.7487% | 931 |
| Return on Equity (ROE) | 13.3111% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.3111% | 296 |
| Net charge-offs to loans | 0.2124% | 4,187 |
| Credit loss provision to net charge-offs | 192.0000% | 2,379 |
| Earnings coverage of net charge-offs (x) | 16.3360% | 1,536 |
| Efficiency ratio | 60.7986% | 6,430 |
| Assets per employee ($millions) | 3.0535% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 5,999 |
| Loan loss allowance to noncurrent loans | 61.0020% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0852% | 4,792 |
| Noncurrent loans to loans | 1.6934% | 3,967 |
| Net loans and leases to total assets | 53.3808% | 6,525 |
| Net loans and leases to deposits | 71.1429% | 5,853 |
| Net loans and leases to core deposits | 85.7802% | 5,923 |
| Total domestic deposits to total assets | 75.0332% | 6,756 |
| Equity capital to assets | 8.0235% | 6,724 |
| Core capital (leverage) ratio | 7.5772% | 6,928 |
| Tier 1 risk-based capital ratio | 13.1153% | 4,057 |
| Total risk-based capital ratio | 14.0851% | 4,177 |
| Memoranda: | ||
| Average total assets | $214,788,000 | 3,045 |
| Average earning assets | $201,025,330 | 2,984 |
| Average equity | $17,579,330 | 3,603 |
| Average total loans | $117,727,670 | 3,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 6,219 |
| Cost of funding earning assets | 1.6588% | 5,780 |
| Net interest margin | 3.5616% | 4,481 |
| Noninterest income to average assets | 1.4141% | 703 |
| Noninterest expense to average assets | 2.9175% | 4,095 |
| Loan and lease loss provision to assets | 0.2278% | 4,166 |
| Net operating income to assets | 0.9691% | 2,445 |
| Return on assets (ROA) | 1.0079% | 2,419 |
| Pretax return on assets | 1.6552% | 1,281 |
| Return on Equity (ROE) | 12.1883% | 1,605 |
| Retained earnings to average equity (ytd only) | 12.1883% | 758 |
| Net charge-offs to loans | 0.2679% | 3,059 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 1,813 |
| Efficiency ratio | 61.5539% | 6,139 |
| Assets per employee ($millions) | 3.1243% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,262 |
| Loan loss allowance to noncurrent loans | 104.1889% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 5,436 |
| Noncurrent loans to loans | 0.9493% | 5,101 |
| Net loans and leases to total assets | 54.2816% | 6,435 |
| Net loans and leases to deposits | 72.4866% | 5,684 |
| Net loans and leases to core deposits | 87.4012% | 5,795 |
| Total domestic deposits to total assets | 74.8850% | 6,731 |
| Equity capital to assets | 8.1498% | 6,600 |
| Core capital (leverage) ratio | 7.5496% | 7,093 |
| Tier 1 risk-based capital ratio | 12.2023% | 4,790 |
| Total risk-based capital ratio | 13.0850% | 5,001 |
| Memoranda: | ||
| Average total assets | $210,728,000 | 3,106 |
| Average earning assets | $196,764,500 | 3,055 |
| Average equity | $17,426,500 | 3,649 |
| Average total loans | $116,475,500 | 3,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8324% | 6,327 |
| Cost of funding earning assets | 2.2192% | 5,514 |
| Net interest margin | 3.6133% | 4,822 |
| Noninterest income to average assets | 1.5497% | 586 |
| Noninterest expense to average assets | 3.1073% | 3,668 |
| Loan and lease loss provision to assets | 0.1578% | 5,351 |
| Net operating income to assets | 1.0440% | 2,385 |
| Return on assets (ROA) | 1.1626% | 1,825 |
| Pretax return on assets | 1.8264% | 891 |
| Return on Equity (ROE) | 14.6305% | 990 |
| Retained earnings to average equity (ytd only) | 14.6305% | 102 |
| Net charge-offs to loans | 0.1218% | 5,026 |
| Credit loss provision to net charge-offs | 234.3750% | 2,027 |
| Earnings coverage of net charge-offs (x) | 26.7188% | 1,273 |
| Efficiency ratio | 63.3323% | 5,703 |
| Assets per employee ($millions) | 2.9838% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,195 |
| Loan loss allowance to noncurrent loans | 85.9649% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 4,843 |
| Noncurrent loans to loans | 1.1423% | 4,260 |
| Net loans and leases to total assets | 55.1957% | 6,530 |
| Net loans and leases to deposits | 79.1625% | 5,173 |
| Net loans and leases to core deposits | 96.4972% | 5,210 |
| Total domestic deposits to total assets | 69.7246% | 7,309 |
| Equity capital to assets | 8.3952% | 6,265 |
| Core capital (leverage) ratio | 7.6528% | 6,998 |
| Tier 1 risk-based capital ratio | 12.1725% | 4,691 |
| Total risk-based capital ratio | 13.0503% | 4,896 |
| Memoranda: | ||
| Average total assets | $190,098,400 | 3,269 |
| Average earning assets | $176,598,400 | 3,236 |
| Average equity | $15,105,400 | 4,120 |
| Average total loans | $105,127,800 | 3,819 |