Home > Bank of Monticello > Performance and Condition Ratios
Bank of Monticello, Performance and Condition Ratios
| 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 | 4.6731% | 2,695 |
| Cost of funding earning assets | 0.6727% | 3,715 |
| Net interest margin | 4.0004% | 2,388 |
| Noninterest income to average assets | 0.9301% | 1,772 |
| Noninterest expense to average assets | 3.6278% | 1,545 |
| Loan and lease loss provision to assets | 0.1789% | 3,392 |
| Net operating income to assets | 0.4425% | 4,918 |
| Return on assets (ROA) | 0.4425% | 5,165 |
| Pretax return on assets | 0.6532% | 4,815 |
| Return on Equity (ROE) | 4.0579% | 5,117 |
| Retained earnings to average equity (ytd only) | -22.6223% | 6,879 |
| Net charge-offs to loans | 0.4976% | 2,247 |
| Credit loss provision to net charge-offs | 58.6957% | 4,483 |
| Earnings coverage of net charge-offs (x) | 2.7304% | 4,064 |
| Efficiency ratio | 79.6197% | 2,192 |
| Assets per employee ($millions) | 3.4717% | 5,067 |
| Cash dividends to net income (ytd only)* | 657.4850% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 3.0310% | 1,556 |
| Noncurrent loans to loans | 2.3961% | 2,231 |
| Net loans and leases to total assets | 55.7896% | 4,328 |
| Net loans and leases to deposits | 62.6937% | 4,697 |
| Net loans and leases to core deposits | 63.9171% | 4,967 |
| Total domestic deposits to total assets | 88.9877% | 1,571 |
| Equity capital to assets | 9.0720% | 5,436 |
| Core capital (leverage) ratio | 8.3795% | 5,783 |
| Tier 1 risk-based capital ratio | 12.7204% | 5,316 |
| Total risk-based capital ratio | 12.7204% | 6,092 |
| Memoranda: | ||
| Average total assets | $75,472,200 | 5,470 |
| Average earning assets | $66,593,400 | 5,530 |
| Average equity | $8,230,800 | 5,436 |
| Average total loans | $46,222,200 | 5,239 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 3,074 |
| Cost of funding earning assets | 0.7039% | 3,733 |
| Net interest margin | 3.9324% | 2,792 |
| Noninterest income to average assets | 0.8169% | 2,168 |
| Noninterest expense to average assets | 3.3259% | 2,199 |
| Loan and lease loss provision to assets | 0.2321% | 2,718 |
| Net operating income to assets | 0.5369% | 4,673 |
| Return on assets (ROA) | 0.5369% | 4,945 |
| Pretax return on assets | 0.7336% | 4,736 |
| Return on Equity (ROE) | 4.7216% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.4283% | 4,451 |
| Net charge-offs to loans | 0.4470% | 2,322 |
| Credit loss provision to net charge-offs | 82.9114% | 3,535 |
| Earnings coverage of net charge-offs (x) | 3.4494% | 3,642 |
| Efficiency ratio | 75.6813% | 2,723 |
| Assets per employee ($millions) | 3.3388% | 5,343 |
| Cash dividends to net income (ytd only)* | 27.3918% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 1,956 |
| Loan loss allowance to noncurrent loans | 81.2223% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 3.9658% | 1,217 |
| Noncurrent loans to loans | 2.5601% | 2,234 |
| Net loans and leases to total assets | 58.7900% | 3,994 |
| Net loans and leases to deposits | 67.8765% | 4,204 |
| Net loans and leases to core deposits | 69.7467% | 4,527 |
| Total domestic deposits to total assets | 86.6132% | 2,914 |
| Equity capital to assets | 11.8334% | 2,408 |
| Core capital (leverage) ratio | 11.2567% | 2,170 |
| Tier 1 risk-based capital ratio | 16.6842% | 2,906 |
| Total risk-based capital ratio | 17.9400% | 2,862 |
| Memoranda: | ||
| Average total assets | $75,245,750 | 5,543 |
| Average earning assets | $66,489,000 | 5,598 |
| Average equity | $8,556,250 | 5,397 |
| Average total loans | $47,125,000 | 5,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 2,960 |
| Cost of funding earning assets | 0.7248% | 3,809 |
| Net interest margin | 3.9641% | 2,662 |
| Noninterest income to average assets | 0.8307% | 2,053 |
| Noninterest expense to average assets | 3.3226% | 2,245 |
| Loan and lease loss provision to assets | 0.2532% | 2,550 |
| Net operating income to assets | 0.5511% | 4,578 |
| Return on assets (ROA) | 0.5511% | 4,859 |
| Pretax return on assets | 0.7595% | 4,611 |
| Return on Equity (ROE) | 4.9113% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.1593% | 3,839 |
| Net charge-offs to loans | 0.6898% | 1,609 |
| Credit loss provision to net charge-offs | 57.8313% | 3,857 |
| Earnings coverage of net charge-offs (x) | 2.3133% | 3,841 |
| Efficiency ratio | 74.8783% | 2,918 |
| Assets per employee ($millions) | 3.5885% | 4,770 |
| Cash dividends to net income (ytd only)* | 15.3110% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,560 |
| Loan loss allowance to noncurrent loans | 73.0159% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 3.9876% | 1,282 |
| Noncurrent loans to loans | 2.6022% | 2,309 |
| Net loans and leases to total assets | 59.8814% | 3,845 |
| Net loans and leases to deposits | 68.7938% | 4,075 |
| Net loans and leases to core deposits | 70.6297% | 4,452 |
| Total domestic deposits to total assets | 87.0447% | 2,741 |
| Equity capital to assets | 11.4227% | 2,669 |
| Core capital (leverage) ratio | 10.8749% | 2,417 |
| Tier 1 risk-based capital ratio | 15.1046% | 3,703 |
| Total risk-based capital ratio | 16.3535% | 3,665 |
| Memoranda: | ||
| Average total assets | $75,843,330 | 5,550 |
| Average earning assets | $67,052,330 | 5,615 |
| Average equity | $8,511,000 | 5,412 |
| Average total loans | $48,133,330 | 5,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 2,863 |
| Cost of funding earning assets | 0.7621% | 3,774 |
| Net interest margin | 3.9834% | 2,579 |
| Noninterest income to average assets | 0.8096% | 2,120 |
| Noninterest expense to average assets | 3.2437% | 2,463 |
| Loan and lease loss provision to assets | 0.2576% | 2,396 |
| Net operating income to assets | 0.6782% | 3,991 |
| Return on assets (ROA) | 0.6782% | 4,207 |
| Pretax return on assets | 0.8254% | 4,318 |
| Return on Equity (ROE) | 6.0975% | 4,240 |
| Retained earnings to average equity (ytd only) | 4.5849% | 3,826 |
| Net charge-offs to loans | 0.8862% | 1,162 |
| Credit loss provision to net charge-offs | 44.9541% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.8899% | 3,391 |
| Efficiency ratio | 73.2685% | 3,207 |
| Assets per employee ($millions) | 3.5982% | 4,882 |
| Cash dividends to net income (ytd only)* | 24.8062% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,906 |
| Loan loss allowance to noncurrent loans | 63.8267% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 4.1463% | 1,318 |
| Noncurrent loans to loans | 2.8598% | 2,258 |
| Net loans and leases to total assets | 62.9232% | 3,063 |
| Net loans and leases to deposits | 72.6159% | 3,339 |
| Net loans and leases to core deposits | 75.1490% | 3,724 |
| Total domestic deposits to total assets | 86.6520% | 3,147 |
| Equity capital to assets | 11.2318% | 2,691 |
| Core capital (leverage) ratio | 10.6626% | 2,587 |
| Tier 1 risk-based capital ratio | 15.0469% | 3,730 |
| Total risk-based capital ratio | 16.2962% | 3,685 |
| Memoranda: | ||
| Average total assets | $76,085,500 | 5,593 |
| Average earning assets | $67,179,500 | 5,653 |
| Average equity | $8,462,500 | 5,445 |
| Average total loans | $49,200,000 | 5,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 3,216 |
| Cost of funding earning assets | 1.1168% | 2,560 |
| Net interest margin | 3.8115% | 3,765 |
| Noninterest income to average assets | 1.0995% | 1,100 |
| Noninterest expense to average assets | 3.3490% | 2,361 |
| Loan and lease loss provision to assets | 0.2585% | 3,625 |
| Net operating income to assets | 0.5317% | 4,305 |
| Return on assets (ROA) | 0.5317% | 4,495 |
| Pretax return on assets | 0.8622% | 3,732 |
| Return on Equity (ROE) | 4.8448% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.1406% | 3,235 |
| Net charge-offs to loans | 0.3156% | 3,815 |
| Credit loss provision to net charge-offs | 124.3590% | 2,525 |
| Earnings coverage of net charge-offs (x) | 5.3910% | 2,809 |
| Efficiency ratio | 73.1962% | 3,360 |
| Assets per employee ($millions) | 3.6480% | 4,671 |
| Cash dividends to net income (ytd only)* | 14.5363% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 2,601 |
| Loan loss allowance to noncurrent loans | 54.6296% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 4.3702% | 1,262 |
| Noncurrent loans to loans | 3.4581% | 1,860 |
| Net loans and leases to total assets | 63.9951% | 3,195 |
| Net loans and leases to deposits | 73.6768% | 3,550 |
| Net loans and leases to core deposits | 75.8494% | 4,003 |
| Total domestic deposits to total assets | 86.8592% | 2,845 |
| Equity capital to assets | 11.0144% | 2,967 |
| Core capital (leverage) ratio | 10.2737% | 2,999 |
| Tier 1 risk-based capital ratio | 14.3657% | 4,069 |
| Total risk-based capital ratio | 15.6133% | 4,040 |
| Memoranda: | ||
| Average total assets | $75,036,400 | 5,606 |
| Average earning assets | $66,351,600 | 5,654 |
| Average equity | $8,235,600 | 5,503 |
| Average total loans | $49,423,800 | 5,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 3,546 |
| Cost of funding earning assets | 1.1894% | 2,387 |
| Net interest margin | 3.7118% | 4,283 |
| Noninterest income to average assets | 1.1021% | 1,096 |
| Noninterest expense to average assets | 3.3331% | 2,391 |
| Loan and lease loss provision to assets | 0.2858% | 3,231 |
| Net operating income to assets | 0.4537% | 4,753 |
| Return on assets (ROA) | 0.4537% | 4,950 |
| Pretax return on assets | 0.7663% | 4,255 |
| Return on Equity (ROE) | 4.1376% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.1928% | 4,430 |
| Net charge-offs to loans | 0.1839% | 4,328 |
| Credit loss provision to net charge-offs | 235.2941% | 1,206 |
| Earnings coverage of net charge-offs (x) | 8.6621% | 2,144 |
| Efficiency ratio | 74.2159% | 3,135 |
| Assets per employee ($millions) | 3.6110% | 4,735 |
| Cash dividends to net income (ytd only)* | 22.8341% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,467 |
| Loan loss allowance to noncurrent loans | 49.6271% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.2081% | 1,454 |
| Noncurrent loans to loans | 3.9373% | 1,681 |
| Net loans and leases to total assets | 66.0385% | 2,894 |
| Net loans and leases to deposits | 76.2486% | 3,291 |
| Net loans and leases to core deposits | 78.3383% | 3,848 |
| Total domestic deposits to total assets | 86.6095% | 2,877 |
| Equity capital to assets | 11.1275% | 3,027 |
| Core capital (leverage) ratio | 10.4392% | 2,948 |
| Tier 1 risk-based capital ratio | 14.0615% | 4,311 |
| Total risk-based capital ratio | 15.3111% | 4,284 |
| Memoranda: | ||
| Average total assets | $74,643,250 | 5,658 |
| Average earning assets | $66,023,000 | 5,713 |
| Average equity | $8,185,000 | 5,543 |
| Average total loans | $49,287,250 | 5,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 3,726 |
| Cost of funding earning assets | 1.2375% | 2,338 |
| Net interest margin | 3.6395% | 4,566 |
| Noninterest income to average assets | 1.2472% | 811 |
| Noninterest expense to average assets | 3.2432% | 2,750 |
| Loan and lease loss provision to assets | 0.4229% | 2,320 |
| Net operating income to assets | 0.3987% | 4,955 |
| Return on assets (ROA) | 0.3987% | 5,106 |
| Pretax return on assets | 0.7973% | 4,042 |
| Return on Equity (ROE) | 3.6540% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.9380% | 4,411 |
| Net charge-offs to loans | 0.0205% | 5,553 |
| Credit loss provision to net charge-offs | 3,140.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 393 |
| Efficiency ratio | 70.9113% | 3,946 |
| Assets per employee ($millions) | 3.5580% | 4,790 |
| Cash dividends to net income (ytd only)* | 19.5946% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 2,005 |
| Loan loss allowance to noncurrent loans | 52.2727% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 4.5732% | 1,370 |
| Noncurrent loans to loans | 4.1229% | 1,659 |
| Net loans and leases to total assets | 64.2871% | 3,401 |
| Net loans and leases to deposits | 74.2997% | 3,754 |
| Net loans and leases to core deposits | 75.1741% | 4,413 |
| Total domestic deposits to total assets | 86.5240% | 3,026 |
| Equity capital to assets | 11.0937% | 2,863 |
| Core capital (leverage) ratio | 10.4612% | 2,752 |
| Tier 1 risk-based capital ratio | 14.4070% | 3,863 |
| Total risk-based capital ratio | 15.6708% | 3,823 |
| Memoranda: | ||
| Average total assets | $74,247,670 | 5,714 |
| Average earning assets | $65,613,670 | 5,771 |
| Average equity | $8,100,670 | 5,579 |
| Average total loans | $48,691,330 | 5,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,624 |
| Cost of funding earning assets | 1.2894% | 2,247 |
| Net interest margin | 3.6042% | 4,552 |
| Noninterest income to average assets | 1.9186% | 382 |
| Noninterest expense to average assets | 3.2319% | 2,771 |
| Loan and lease loss provision to assets | 0.8161% | 1,025 |
| Net operating income to assets | 0.5675% | 4,191 |
| Return on assets (ROA) | 0.5675% | 4,264 |
| Pretax return on assets | 1.0431% | 2,976 |
| Return on Equity (ROE) | 5.2457% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.7969% | 3,894 |
| Net charge-offs to loans | -0.0990% | 7,083 |
| Credit loss provision to net charge-offs | -1,258.3333% | 6,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9958% | 5,678 |
| Assets per employee ($millions) | 3.5104% | 4,973 |
| Cash dividends to net income (ytd only)* | 27.6190% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 1,946 |
| Loan loss allowance to noncurrent loans | 30.3607% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 6.6659% | 821 |
| Noncurrent loans to loans | 7.2706% | 734 |
| Net loans and leases to total assets | 64.2435% | 3,396 |
| Net loans and leases to deposits | 74.1235% | 3,742 |
| Net loans and leases to core deposits | 75.0147% | 4,427 |
| Total domestic deposits to total assets | 86.6708% | 3,136 |
| Equity capital to assets | 10.9458% | 2,742 |
| Core capital (leverage) ratio | 10.4607% | 2,655 |
| Tier 1 risk-based capital ratio | 14.1341% | 3,982 |
| Total risk-based capital ratio | 15.3849% | 3,953 |
| Memoranda: | ||
| Average total assets | $74,012,500 | 5,759 |
| Average earning assets | $65,147,000 | 5,823 |
| Average equity | $8,006,500 | 5,603 |
| Average total loans | $48,491,000 | 5,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 2,917 |
| Cost of funding earning assets | 1.6245% | 1,930 |
| Net interest margin | 3.7200% | 4,267 |
| Noninterest income to average assets | 1.2533% | 945 |
| Noninterest expense to average assets | 3.7062% | 1,689 |
| Loan and lease loss provision to assets | 0.2878% | 4,499 |
| Net operating income to assets | 0.4259% | 4,429 |
| Return on assets (ROA) | 0.4476% | 4,490 |
| Pretax return on assets | 0.5371% | 4,508 |
| Return on Equity (ROE) | 4.1434% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.4932% | 3,425 |
| Net charge-offs to loans | 0.4734% | 3,726 |
| Credit loss provision to net charge-offs | 87.8151% | 5,215 |
| Earnings coverage of net charge-offs (x) | 2.4370% | 3,911 |
| Efficiency ratio | 80.4953% | 2,346 |
| Assets per employee ($millions) | 3.7154% | 4,426 |
| Cash dividends to net income (ytd only)* | 15.6923% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,651 |
| Loan loss allowance to noncurrent loans | 24.8287% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 7.1433% | 753 |
| Noncurrent loans to loans | 7.5153% | 720 |
| Net loans and leases to total assets | 64.1232% | 3,848 |
| Net loans and leases to deposits | 73.6388% | 4,254 |
| Net loans and leases to core deposits | 74.5129% | 4,909 |
| Total domestic deposits to total assets | 87.0779% | 2,778 |
| Equity capital to assets | 10.6908% | 2,968 |
| Core capital (leverage) ratio | 10.3363% | 2,734 |
| Tier 1 risk-based capital ratio | 13.8919% | 3,932 |
| Total risk-based capital ratio | 15.1395% | 3,915 |
| Memoranda: | ||
| Average total assets | $72,607,400 | 5,795 |
| Average earning assets | $63,467,400 | 5,875 |
| Average equity | $7,843,800 | 5,766 |
| Average total loans | $50,279,000 | 5,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,111 |
| Cost of funding earning assets | 1.6825% | 1,955 |
| Net interest margin | 3.6690% | 4,546 |
| Noninterest income to average assets | 1.2394% | 892 |
| Noninterest expense to average assets | 3.7072% | 1,547 |
| Loan and lease loss provision to assets | 0.2512% | 4,579 |
| Net operating income to assets | 0.3931% | 4,779 |
| Return on assets (ROA) | 0.4211% | 4,836 |
| Pretax return on assets | 0.5264% | 4,830 |
| Return on Equity (ROE) | 3.8880% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.0183% | 4,322 |
| Net charge-offs to loans | 0.5022% | 3,270 |
| Credit loss provision to net charge-offs | 71.2042% | 5,383 |
| Earnings coverage of net charge-offs (x) | 2.1047% | 4,147 |
| Efficiency ratio | 81.4861% | 2,133 |
| Assets per employee ($millions) | 3.4516% | 5,093 |
| Cash dividends to net income (ytd only)* | 22.3692% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,805 |
| Loan loss allowance to noncurrent loans | 24.4105% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 7.1175% | 755 |
| Noncurrent loans to loans | 7.3550% | 739 |
| Net loans and leases to total assets | 66.4073% | 3,593 |
| Net loans and leases to deposits | 76.7957% | 4,038 |
| Net loans and leases to core deposits | 77.7308% | 4,833 |
| Total domestic deposits to total assets | 86.4727% | 2,816 |
| Equity capital to assets | 11.0605% | 2,901 |
| Core capital (leverage) ratio | 10.3972% | 2,804 |
| Tier 1 risk-based capital ratio | 13.3116% | 4,344 |
| Total risk-based capital ratio | 14.5587% | 4,314 |
| Memoranda: | ||
| Average total assets | $72,182,500 | 5,871 |
| Average earning assets | $63,157,500 | 5,946 |
| Average equity | $7,818,750 | 5,852 |
| Average total loans | $50,710,250 | 5,541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 3,502 |
| Cost of funding earning assets | 1.7169% | 2,030 |
| Net interest margin | 3.5761% | 4,918 |
| Noninterest income to average assets | 1.1459% | 988 |
| Noninterest expense to average assets | 3.6708% | 1,620 |
| Loan and lease loss provision to assets | 0.2553% | 4,380 |
| Net operating income to assets | 0.3027% | 5,174 |
| Return on assets (ROA) | 0.3357% | 5,201 |
| Pretax return on assets | 0.3968% | 5,238 |
| Return on Equity (ROE) | 3.1215% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.4508% | 4,592 |
| Net charge-offs to loans | 0.6280% | 2,658 |
| Credit loss provision to net charge-offs | 57.1429% | 5,280 |
| Earnings coverage of net charge-offs (x) | 1.3727% | 4,458 |
| Efficiency ratio | 83.8083% | 1,940 |
| Assets per employee ($millions) | 3.4482% | 5,049 |
| Cash dividends to net income (ytd only)* | 21.4876% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,949 |
| Loan loss allowance to noncurrent loans | 27.0710% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 6.4671% | 867 |
| Noncurrent loans to loans | 6.4090% | 943 |
| Net loans and leases to total assets | 67.7337% | 3,447 |
| Net loans and leases to deposits | 78.0857% | 3,950 |
| Net loans and leases to core deposits | 79.0345% | 4,798 |
| Total domestic deposits to total assets | 86.7427% | 2,683 |
| Equity capital to assets | 10.8931% | 2,975 |
| Core capital (leverage) ratio | 10.3550% | 2,767 |
| Tier 1 risk-based capital ratio | 13.7275% | 3,918 |
| Total risk-based capital ratio | 14.9743% | 3,883 |
| Memoranda: | ||
| Average total assets | $72,082,330 | 5,916 |
| Average earning assets | $63,253,330 | 5,977 |
| Average equity | $7,752,670 | 5,886 |
| Average total loans | $51,275,670 | 5,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 4,098 |
| Cost of funding earning assets | 1.7540% | 2,111 |
| Net interest margin | 3.4323% | 5,458 |
| Noninterest income to average assets | 1.1791% | 879 |
| Noninterest expense to average assets | 3.7265% | 1,461 |
| Loan and lease loss provision to assets | 0.4561% | 2,688 |
| Net operating income to assets | 0.0214% | 6,232 |
| Return on assets (ROA) | 0.0946% | 6,138 |
| Pretax return on assets | 0.1001% | 6,130 |
| Return on Equity (ROE) | 0.8848% | 6,149 |
| Retained earnings to average equity (ytd only) | -0.4684% | 5,940 |
| Net charge-offs to loans | 0.0154% | 5,366 |
| Credit loss provision to net charge-offs | 4,100.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 643 |
| Efficiency ratio | 86.7725% | 1,711 |
| Assets per employee ($millions) | 3.1060% | 5,985 |
| Cash dividends to net income (ytd only)* | 152.9412% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,298 |
| Loan loss allowance to noncurrent loans | 20.4926% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 7.9440% | 627 |
| Noncurrent loans to loans | 9.5349% | 462 |
| Net loans and leases to total assets | 71.2940% | 2,620 |
| Net loans and leases to deposits | 82.0594% | 3,272 |
| Net loans and leases to core deposits | 83.2995% | 4,300 |
| Total domestic deposits to total assets | 86.8809% | 2,687 |
| Equity capital to assets | 10.7562% | 2,995 |
| Core capital (leverage) ratio | 10.2192% | 2,911 |
| Tier 1 risk-based capital ratio | 12.9091% | 4,403 |
| Total risk-based capital ratio | 14.1665% | 4,372 |
| Memoranda: | ||
| Average total assets | $71,917,000 | 5,995 |
| Average earning assets | $63,397,500 | 6,045 |
| Average equity | $7,685,000 | 5,947 |
| Average total loans | $51,956,500 | 5,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8809% | 2,319 |
| Cost of funding earning assets | 2.0848% | 2,543 |
| Net interest margin | 3.7961% | 3,725 |
| Noninterest income to average assets | 1.2117% | 1,047 |
| Noninterest expense to average assets | 3.6704% | 1,979 |
| Loan and lease loss provision to assets | 1.4442% | 1,595 |
| Net operating income to assets | -0.1729% | 5,804 |
| Return on assets (ROA) | -0.1296% | 5,720 |
| Pretax return on assets | -0.4692% | 5,983 |
| Return on Equity (ROE) | -1.1560% | 5,713 |
| Retained earnings to average equity (ytd only) | -3.4050% | 5,769 |
| Net charge-offs to loans | 1.2432% | 1,983 |
| Credit loss provision to net charge-offs | 162.6984% | 2,702 |
| Earnings coverage of net charge-offs (x) | 1.0222% | 5,093 |
| Efficiency ratio | 78.3934% | 3,128 |
| Assets per employee ($millions) | 3.1477% | 5,866 |
| Cash dividends to net income (ytd only)* | -194.5652% | 7,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,548 |
| Loan loss allowance to noncurrent loans | 25.5814% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 5.5445% | 1,057 |
| Noncurrent loans to loans | 7.0333% | 795 |
| Net loans and leases to total assets | 70.4901% | 3,132 |
| Net loans and leases to deposits | 80.9723% | 3,803 |
| Net loans and leases to core deposits | 90.8997% | 5,033 |
| Total domestic deposits to total assets | 87.0545% | 2,469 |
| Equity capital to assets | 10.6166% | 3,054 |
| Core capital (leverage) ratio | 10.1782% | 2,914 |
| Tier 1 risk-based capital ratio | 12.9953% | 4,147 |
| Total risk-based capital ratio | 14.2655% | 4,076 |
| Memoranda: | ||
| Average total assets | $70,973,400 | 5,975 |
| Average earning assets | $62,932,800 | 6,038 |
| Average equity | $7,958,800 | 5,940 |
| Average total loans | $50,674,400 | 5,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 2,219 |
| Cost of funding earning assets | 2.1346% | 2,730 |
| Net interest margin | 3.8185% | 3,579 |
| Noninterest income to average assets | 1.2555% | 982 |
| Noninterest expense to average assets | 3.6364% | 1,946 |
| Loan and lease loss provision to assets | 0.5079% | 3,353 |
| Net operating income to assets | 0.4083% | 4,365 |
| Return on assets (ROA) | 0.4343% | 4,363 |
| Pretax return on assets | 0.5343% | 4,414 |
| Return on Equity (ROE) | 3.8204% | 4,450 |
| Retained earnings to average equity (ytd only) | 0.8471% | 4,828 |
| Net charge-offs to loans | 0.6699% | 2,686 |
| Credit loss provision to net charge-offs | 106.3241% | 4,788 |
| Earnings coverage of net charge-offs (x) | 2.1147% | 4,234 |
| Efficiency ratio | 76.4730% | 3,422 |
| Assets per employee ($millions) | 3.2495% | 5,519 |
| Cash dividends to net income (ytd only)* | 77.8256% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 5,935 |
| Loan loss allowance to noncurrent loans | 12.8052% | 7,391 |
| Noncurrent assets plus other real estate owned to assets | 6.3421% | 810 |
| Noncurrent loans to loans | 8.3143% | 565 |
| Net loans and leases to total assets | 72.2716% | 2,964 |
| Net loans and leases to deposits | 83.9950% | 3,642 |
| Net loans and leases to core deposits | 94.1317% | 5,001 |
| Total domestic deposits to total assets | 86.0428% | 2,691 |
| Equity capital to assets | 11.3820% | 2,683 |
| Core capital (leverage) ratio | 10.6989% | 2,637 |
| Tier 1 risk-based capital ratio | 13.3928% | 3,928 |
| Total risk-based capital ratio | 14.3764% | 4,037 |
| Memoranda: | ||
| Average total assets | $70,617,750 | 6,020 |
| Average earning assets | $62,711,500 | 6,080 |
| Average equity | $8,027,000 | 5,971 |
| Average total loans | $50,351,250 | 5,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 1,996 |
| Cost of funding earning assets | 2.1629% | 2,973 |
| Net interest margin | 3.8830% | 3,194 |
| Noninterest income to average assets | 1.3992% | 781 |
| Noninterest expense to average assets | 3.7198% | 1,794 |
| Loan and lease loss provision to assets | 0.4579% | 3,239 |
| Net operating income to assets | 0.5147% | 4,033 |
| Return on assets (ROA) | 0.5147% | 4,152 |
| Pretax return on assets | 0.6626% | 4,124 |
| Return on Equity (ROE) | 4.5305% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.2778% | 4,069 |
| Net charge-offs to loans | 0.3097% | 3,641 |
| Credit loss provision to net charge-offs | 209.0909% | 2,188 |
| Earnings coverage of net charge-offs (x) | 5.1169% | 2,912 |
| Efficiency ratio | 75.1469% | 3,851 |
| Assets per employee ($millions) | 3.1822% | 5,624 |
| Cash dividends to net income (ytd only)* | 49.7238% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 4,730 |
| Loan loss allowance to noncurrent loans | 21.7195% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 4.3780% | 1,305 |
| Noncurrent loans to loans | 5.6748% | 1,002 |
| Net loans and leases to total assets | 71.4237% | 3,370 |
| Net loans and leases to deposits | 83.2163% | 4,014 |
| Net loans and leases to core deposits | 94.2137% | 5,091 |
| Total domestic deposits to total assets | 85.8290% | 2,873 |
| Equity capital to assets | 11.5014% | 2,541 |
| Core capital (leverage) ratio | 10.9378% | 2,453 |
| Tier 1 risk-based capital ratio | 13.6168% | 3,745 |
| Total risk-based capital ratio | 14.7354% | 3,755 |
| Memoranda: | ||
| Average total assets | $70,327,000 | 6,071 |
| Average earning assets | $62,323,670 | 6,134 |
| Average equity | $7,990,330 | 6,028 |
| Average total loans | $49,727,330 | 5,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 2,111 |
| Cost of funding earning assets | 2.1844% | 3,245 |
| Net interest margin | 3.8756% | 3,162 |
| Noninterest income to average assets | 1.3790% | 745 |
| Noninterest expense to average assets | 3.6036% | 1,859 |
| Loan and lease loss provision to assets | 0.4994% | 2,470 |
| Net operating income to assets | 0.5448% | 4,234 |
| Return on assets (ROA) | 0.5448% | 4,418 |
| Pretax return on assets | 0.7094% | 4,405 |
| Return on Equity (ROE) | 4.8244% | 4,543 |
| Retained earnings to average equity (ytd only) | 0.3015% | 5,537 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2311% | 3,969 |
| Assets per employee ($millions) | 3.1330% | 5,798 |
| Cash dividends to net income (ytd only)* | 93.7500% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,119 |
| Loan loss allowance to noncurrent loans | 19.6496% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 4.9154% | 931 |
| Noncurrent loans to loans | 6.5725% | 659 |
| Net loans and leases to total assets | 69.6385% | 3,770 |
| Net loans and leases to deposits | 80.0584% | 4,601 |
| Net loans and leases to core deposits | 88.8295% | 5,666 |
| Total domestic deposits to total assets | 86.9846% | 2,226 |
| Equity capital to assets | 11.5617% | 2,552 |
| Core capital (leverage) ratio | 10.7554% | 2,692 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,565 |
| Total risk-based capital ratio | 15.2195% | 3,534 |
| Memoranda: | ||
| Average total assets | $70,486,000 | 6,105 |
| Average earning assets | $62,442,000 | 6,159 |
| Average equity | $7,959,500 | 6,077 |
| Average total loans | $49,277,500 | 5,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6973% | 2,036 |
| Cost of funding earning assets | 2.7553% | 2,900 |
| Net interest margin | 3.9419% | 3,397 |
| Noninterest income to average assets | 1.4818% | 641 |
| Noninterest expense to average assets | 3.7158% | 1,920 |
| Loan and lease loss provision to assets | 0.8634% | 1,729 |
| Net operating income to assets | 0.2790% | 5,619 |
| Return on assets (ROA) | 0.2747% | 5,445 |
| Pretax return on assets | 0.3550% | 5,375 |
| Return on Equity (ROE) | 2.4559% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.3350% | 4,416 |
| Net charge-offs to loans | 1.2738% | 936 |
| Credit loss provision to net charge-offs | 99.8371% | 5,381 |
| Earnings coverage of net charge-offs (x) | 1.4153% | 5,412 |
| Efficiency ratio | 72.9969% | 3,753 |
| Assets per employee ($millions) | 3.1324% | 5,676 |
| Cash dividends to net income (ytd only)* | 45.6410% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,406 |
| Loan loss allowance to noncurrent loans | 25.4118% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 3.2160% | 1,421 |
| Noncurrent loans to loans | 4.2561% | 1,143 |
| Net loans and leases to total assets | 68.5506% | 4,353 |
| Net loans and leases to deposits | 80.2496% | 5,004 |
| Net loans and leases to core deposits | 90.7084% | 5,742 |
| Total domestic deposits to total assets | 85.4218% | 2,657 |
| Equity capital to assets | 11.0346% | 3,014 |
| Core capital (leverage) ratio | 10.6535% | 2,858 |
| Tier 1 risk-based capital ratio | 13.5239% | 3,812 |
| Total risk-based capital ratio | 14.5007% | 3,877 |
| Memoranda: | ||
| Average total assets | $70,994,600 | 6,000 |
| Average earning assets | $62,279,000 | 6,080 |
| Average equity | $7,940,000 | 6,108 |
| Average total loans | $48,201,200 | 5,774 |