Home > City Bank New Mexico > Performance and Condition Ratios
City Bank New Mexico, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,176 |
| Cost of funding earning assets | 0.4042% | 3,829 |
| Net interest margin | 3.7397% | 2,796 |
| Noninterest income to average assets | 0.7343% | 2,117 |
| Noninterest expense to average assets | 3.4136% | 1,649 |
| Loan and lease loss provision to assets | 0.0157% | 3,945 |
| Net operating income to assets | 0.6942% | 3,875 |
| Return on assets (ROA) | 0.6942% | 3,963 |
| Pretax return on assets | 0.6942% | 4,660 |
| Return on Equity (ROE) | 6.4665% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.5419% | 3,947 |
| Net charge-offs to loans | 0.0347% | 3,515 |
| Credit loss provision to net charge-offs | 90.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 40.7000% | 1,047 |
| Efficiency ratio | 82.7834% | 1,659 |
| Assets per employee ($millions) | 3.8207% | 4,216 |
| Cash dividends to net income (ytd only)* | 45.2261% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4470% | 768 |
| Loan loss allowance to noncurrent loans | 57.7181% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.2884% | 1,312 |
| Noncurrent loans to loans | 4.2396% | 546 |
| Net loans and leases to total assets | 47.8582% | 5,183 |
| Net loans and leases to deposits | 54.0533% | 5,353 |
| Net loans and leases to core deposits | 57.8613% | 5,282 |
| Total domestic deposits to total assets | 88.5388% | 1,612 |
| Equity capital to assets | 10.8391% | 3,038 |
| Core capital (leverage) ratio | 11.0292% | 2,396 |
| Tier 1 risk-based capital ratio | 19.0788% | 1,901 |
| Total risk-based capital ratio | 20.3403% | 1,863 |
| Memoranda: | ||
| Average total assets | $114,660,000 | 4,355 |
| Average earning assets | $103,912,000 | 4,368 |
| Average equity | $12,309,670 | 4,340 |
| Average total loans | $57,593,670 | 4,635 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,719 |
| Cost of funding earning assets | 0.4194% | 3,767 |
| Net interest margin | 3.8204% | 2,383 |
| Noninterest income to average assets | 0.7290% | 2,038 |
| Noninterest expense to average assets | 3.4078% | 1,685 |
| Loan and lease loss provision to assets | 0.0174% | 3,604 |
| Net operating income to assets | 0.7674% | 3,324 |
| Return on assets (ROA) | 0.7674% | 3,406 |
| Pretax return on assets | 0.7674% | 4,240 |
| Return on Equity (ROE) | 7.1822% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.1822% | 1,944 |
| Net charge-offs to loans | 0.0275% | 3,026 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 690 |
| Efficiency ratio | 81.2812% | 2,017 |
| Assets per employee ($millions) | 3.7858% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 935 |
| Loan loss allowance to noncurrent loans | 321.2121% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 4,302 |
| Noncurrent loans to loans | 0.7414% | 4,013 |
| Net loans and leases to total assets | 49.7376% | 4,935 |
| Net loans and leases to deposits | 56.1571% | 5,105 |
| Net loans and leases to core deposits | 59.1143% | 5,113 |
| Total domestic deposits to total assets | 88.5687% | 1,906 |
| Equity capital to assets | 10.8951% | 2,830 |
| Core capital (leverage) ratio | 10.9006% | 2,487 |
| Tier 1 risk-based capital ratio | 18.8802% | 2,003 |
| Total risk-based capital ratio | 20.1404% | 1,961 |
| Memoranda: | ||
| Average total assets | $114,679,000 | 4,399 |
| Average earning assets | $103,969,000 | 4,404 |
| Average equity | $12,252,500 | 4,381 |
| Average total loans | $58,274,500 | 4,644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,047 |
| Cost of funding earning assets | 0.4300% | 4,318 |
| Net interest margin | 3.8467% | 2,477 |
| Noninterest income to average assets | 0.7733% | 2,194 |
| Noninterest expense to average assets | 3.4215% | 1,836 |
| Loan and lease loss provision to assets | 0.0156% | 4,813 |
| Net operating income to assets | 0.8184% | 3,197 |
| Return on assets (ROA) | 0.8184% | 3,294 |
| Pretax return on assets | 0.8184% | 4,081 |
| Return on Equity (ROE) | 7.8529% | 3,112 |
| Retained earnings to average equity (ytd only) | 1.6006% | 5,077 |
| Net charge-offs to loans | 0.2629% | 2,388 |
| Credit loss provision to net charge-offs | 11.6129% | 4,568 |
| Earnings coverage of net charge-offs (x) | 6.1935% | 3,108 |
| Efficiency ratio | 80.4002% | 2,086 |
| Assets per employee ($millions) | 3.9926% | 3,880 |
| Cash dividends to net income (ytd only)* | 79.6178% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 985 |
| Loan loss allowance to noncurrent loans | 217.1924% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 3,898 |
| Noncurrent loans to loans | 1.0804% | 3,364 |
| Net loans and leases to total assets | 49.4930% | 5,137 |
| Net loans and leases to deposits | 55.5480% | 5,346 |
| Net loans and leases to core deposits | 59.1468% | 5,287 |
| Total domestic deposits to total assets | 89.0995% | 1,555 |
| Equity capital to assets | 10.4773% | 3,192 |
| Core capital (leverage) ratio | 10.3375% | 3,108 |
| Tier 1 risk-based capital ratio | 18.2892% | 2,152 |
| Total risk-based capital ratio | 19.5484% | 2,107 |
| Memoranda: | ||
| Average total assets | $115,097,000 | 4,383 |
| Average earning assets | $104,193,200 | 4,402 |
| Average equity | $11,995,600 | 4,440 |
| Average total loans | $58,956,200 | 4,648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,125 |
| Cost of funding earning assets | 0.4307% | 4,501 |
| Net interest margin | 3.8363% | 2,516 |
| Noninterest income to average assets | 0.8295% | 2,008 |
| Noninterest expense to average assets | 3.4793% | 1,654 |
| Loan and lease loss provision to assets | 0.0162% | 4,688 |
| Net operating income to assets | 0.8063% | 3,313 |
| Return on assets (ROA) | 0.8063% | 3,443 |
| Pretax return on assets | 0.8063% | 4,268 |
| Return on Equity (ROE) | 7.7467% | 3,259 |
| Retained earnings to average equity (ytd only) | -0.6130% | 6,066 |
| Net charge-offs to loans | 0.1197% | 3,354 |
| Credit loss provision to net charge-offs | 26.4151% | 3,961 |
| Earnings coverage of net charge-offs (x) | 13.3783% | 2,034 |
| Efficiency ratio | 80.8792% | 1,982 |
| Assets per employee ($millions) | 3.8627% | 4,107 |
| Cash dividends to net income (ytd only)* | 107.9146% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 949 |
| Loan loss allowance to noncurrent loans | 133.9691% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 3,339 |
| Noncurrent loans to loans | 1.8562% | 2,424 |
| Net loans and leases to total assets | 48.3026% | 5,318 |
| Net loans and leases to deposits | 53.9105% | 5,544 |
| Net loans and leases to core deposits | 57.6004% | 5,481 |
| Total domestic deposits to total assets | 89.5979% | 1,226 |
| Equity capital to assets | 9.8626% | 4,095 |
| Core capital (leverage) ratio | 9.9564% | 3,731 |
| Tier 1 risk-based capital ratio | 17.8277% | 2,389 |
| Total risk-based capital ratio | 19.0894% | 2,350 |
| Memoranda: | ||
| Average total assets | $114,925,250 | 4,433 |
| Average earning assets | $104,022,500 | 4,450 |
| Average equity | $11,961,750 | 4,501 |
| Average total loans | $59,024,750 | 4,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,886 |
| Cost of funding earning assets | 0.4300% | 4,663 |
| Net interest margin | 3.8856% | 2,256 |
| Noninterest income to average assets | 0.8348% | 2,045 |
| Noninterest expense to average assets | 3.5228% | 1,552 |
| Loan and lease loss provision to assets | 0.0159% | 4,576 |
| Net operating income to assets | 0.8048% | 3,271 |
| Return on assets (ROA) | 0.8048% | 3,423 |
| Pretax return on assets | 0.8048% | 4,300 |
| Return on Equity (ROE) | 7.5922% | 3,295 |
| Retained earnings to average equity (ytd only) | -4.8950% | 6,454 |
| Net charge-offs to loans | 0.0204% | 4,433 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 586 |
| Efficiency ratio | 81.1052% | 2,012 |
| Assets per employee ($millions) | 3.7682% | 4,266 |
| Cash dividends to net income (ytd only)* | 164.4737% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5475% | 937 |
| Loan loss allowance to noncurrent loans | 127.3720% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2841% | 3,198 |
| Noncurrent loans to loans | 2.0000% | 2,404 |
| Net loans and leases to total assets | 49.6790% | 5,142 |
| Net loans and leases to deposits | 55.5118% | 5,388 |
| Net loans and leases to core deposits | 60.0248% | 5,263 |
| Total domestic deposits to total assets | 89.4927% | 1,331 |
| Equity capital to assets | 10.0228% | 3,886 |
| Core capital (leverage) ratio | 10.2800% | 3,123 |
| Tier 1 risk-based capital ratio | 17.2101% | 2,637 |
| Total risk-based capital ratio | 18.4720% | 2,604 |
| Memoranda: | ||
| Average total assets | $113,318,670 | 4,500 |
| Average earning assets | $102,326,670 | 4,510 |
| Average equity | $12,012,330 | 4,531 |
| Average total loans | $58,928,000 | 4,706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,756 |
| Cost of funding earning assets | 0.4218% | 4,894 |
| Net interest margin | 3.9114% | 2,080 |
| Noninterest income to average assets | 0.8497% | 1,928 |
| Noninterest expense to average assets | 3.4884% | 1,646 |
| Loan and lease loss provision to assets | 0.0179% | 4,240 |
| Net operating income to assets | 0.8676% | 2,819 |
| Return on assets (ROA) | 0.8676% | 2,962 |
| Pretax return on assets | 0.8676% | 3,882 |
| Return on Equity (ROE) | 7.9576% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.9576% | 1,766 |
| Net charge-offs to loans | 0.0273% | 3,648 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 582 |
| Efficiency ratio | 79.7541% | 2,371 |
| Assets per employee ($millions) | 3.6112% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 1,040 |
| Loan loss allowance to noncurrent loans | 94.9843% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 2,733 |
| Noncurrent loans to loans | 2.7085% | 1,889 |
| Net loans and leases to total assets | 51.2506% | 4,801 |
| Net loans and leases to deposits | 57.8379% | 5,058 |
| Net loans and leases to core deposits | 60.5307% | 5,090 |
| Total domestic deposits to total assets | 88.6108% | 1,925 |
| Equity capital to assets | 10.9685% | 2,989 |
| Core capital (leverage) ratio | 11.0271% | 2,241 |
| Tier 1 risk-based capital ratio | 18.4490% | 2,212 |
| Total risk-based capital ratio | 19.7124% | 2,172 |
| Memoranda: | ||
| Average total assets | $111,571,000 | 4,586 |
| Average earning assets | $100,526,000 | 4,605 |
| Average equity | $12,164,500 | 4,547 |
| Average total loans | $58,617,500 | 4,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 2,368 |
| Cost of funding earning assets | 0.4807% | 5,346 |
| Net interest margin | 4.2779% | 1,451 |
| Noninterest income to average assets | 0.7831% | 2,338 |
| Noninterest expense to average assets | 3.5685% | 1,685 |
| Loan and lease loss provision to assets | 0.1690% | 3,509 |
| Net operating income to assets | 0.8295% | 3,142 |
| Return on assets (ROA) | 0.8295% | 3,395 |
| Pretax return on assets | 0.8295% | 4,180 |
| Return on Equity (ROE) | 7.9078% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.9078% | 1,153 |
| Net charge-offs to loans | 0.5281% | 2,145 |
| Credit loss provision to net charge-offs | 58.8608% | 4,475 |
| Earnings coverage of net charge-offs (x) | 3.4778% | 3,711 |
| Efficiency ratio | 78.1381% | 2,427 |
| Assets per employee ($millions) | 3.5869% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5949% | 1,022 |
| Loan loss allowance to noncurrent loans | 146.1390% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 3,484 |
| Noncurrent loans to loans | 1.7756% | 2,958 |
| Net loans and leases to total assets | 51.1107% | 5,021 |
| Net loans and leases to deposits | 57.7925% | 5,263 |
| Net loans and leases to core deposits | 61.0172% | 5,268 |
| Total domestic deposits to total assets | 88.4382% | 1,937 |
| Equity capital to assets | 10.8369% | 3,135 |
| Core capital (leverage) ratio | 10.7420% | 2,504 |
| Tier 1 risk-based capital ratio | 18.1555% | 2,202 |
| Total risk-based capital ratio | 19.4193% | 2,165 |
| Memoranda: | ||
| Average total assets | $110,072,800 | 4,590 |
| Average earning assets | $97,359,800 | 4,658 |
| Average equity | $11,545,600 | 4,661 |
| Average total loans | $59,841,600 | 4,718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 2,155 |
| Cost of funding earning assets | 0.4782% | 5,577 |
| Net interest margin | 4.3813% | 1,246 |
| Noninterest income to average assets | 0.7541% | 2,455 |
| Noninterest expense to average assets | 3.5205% | 1,710 |
| Loan and lease loss provision to assets | 0.1967% | 3,116 |
| Net operating income to assets | 0.8974% | 2,994 |
| Return on assets (ROA) | 0.8974% | 3,224 |
| Pretax return on assets | 0.8974% | 4,109 |
| Return on Equity (ROE) | 8.6283% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.6283% | 1,363 |
| Net charge-offs to loans | 0.6953% | 1,588 |
| Credit loss provision to net charge-offs | 51.5924% | 4,359 |
| Earnings coverage of net charge-offs (x) | 2.8694% | 3,893 |
| Efficiency ratio | 76.2895% | 2,632 |
| Assets per employee ($millions) | 3.6441% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 1,187 |
| Loan loss allowance to noncurrent loans | 156.7227% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 3,544 |
| Noncurrent loans to loans | 1.6070% | 3,376 |
| Net loans and leases to total assets | 51.1198% | 5,171 |
| Net loans and leases to deposits | 57.3597% | 5,498 |
| Net loans and leases to core deposits | 60.8373% | 5,472 |
| Total domestic deposits to total assets | 89.1215% | 1,362 |
| Equity capital to assets | 10.4863% | 3,860 |
| Core capital (leverage) ratio | 10.4816% | 2,933 |
| Tier 1 risk-based capital ratio | 17.8843% | 2,395 |
| Total risk-based capital ratio | 19.1537% | 2,350 |
| Memoranda: | ||
| Average total assets | $109,792,500 | 4,646 |
| Average earning assets | $96,741,000 | 4,719 |
| Average equity | $11,419,500 | 4,728 |
| Average total loans | $60,215,500 | 4,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 1,793 |
| Cost of funding earning assets | 0.4993% | 5,626 |
| Net interest margin | 4.4998% | 992 |
| Noninterest income to average assets | 0.7229% | 2,543 |
| Noninterest expense to average assets | 3.5444% | 1,689 |
| Loan and lease loss provision to assets | 0.2354% | 2,716 |
| Net operating income to assets | 0.8718% | 3,035 |
| Return on assets (ROA) | 0.8718% | 3,296 |
| Pretax return on assets | 0.8718% | 4,192 |
| Return on Equity (ROE) | 8.4062% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.4062% | 1,480 |
| Net charge-offs to loans | 0.8754% | 1,256 |
| Credit loss provision to net charge-offs | 48.3019% | 4,076 |
| Earnings coverage of net charge-offs (x) | 2.2717% | 3,861 |
| Efficiency ratio | 76.1961% | 2,711 |
| Assets per employee ($millions) | 3.2879% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,208 |
| Loan loss allowance to noncurrent loans | 150.0996% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8332% | 2,994 |
| Noncurrent loans to loans | 1.7004% | 3,345 |
| Net loans and leases to total assets | 53.0308% | 4,957 |
| Net loans and leases to deposits | 59.6315% | 5,274 |
| Net loans and leases to core deposits | 63.4004% | 5,270 |
| Total domestic deposits to total assets | 88.9310% | 1,553 |
| Equity capital to assets | 10.6773% | 3,482 |
| Core capital (leverage) ratio | 10.7778% | 2,508 |
| Tier 1 risk-based capital ratio | 17.6502% | 2,412 |
| Total risk-based capital ratio | 18.9132% | 2,380 |
| Memoranda: | ||
| Average total assets | $108,734,670 | 4,701 |
| Average earning assets | $94,937,330 | 4,791 |
| Average equity | $11,277,330 | 4,759 |
| Average total loans | $60,540,670 | 4,770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 2,729 |
| Cost of funding earning assets | 0.5256% | 5,633 |
| Net interest margin | 4.2513% | 1,605 |
| Noninterest income to average assets | 0.5365% | 3,653 |
| Noninterest expense to average assets | 3.9246% | 1,030 |
| Loan and lease loss provision to assets | 0.2389% | 2,559 |
| Net operating income to assets | 0.0588% | 6,319 |
| Return on assets (ROA) | 0.0588% | 6,435 |
| Pretax return on assets | 0.0588% | 6,445 |
| Return on Equity (ROE) | 0.5754% | 6,425 |
| Retained earnings to average equity (ytd only) | 0.5754% | 5,820 |
| Net charge-offs to loans | 1.2139% | 849 |
| Credit loss provision to net charge-offs | 34.9462% | 3,537 |
| Earnings coverage of net charge-offs (x) | 0.4355% | 4,129 |
| Efficiency ratio | 92.9504% | 888 |
| Assets per employee ($millions) | 3.3005% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5124% | 1,340 |
| Loan loss allowance to noncurrent loans | 74.3289% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 4.8845% | 1,080 |
| Noncurrent loans to loans | 3.3801% | 1,870 |
| Net loans and leases to total assets | 54.2583% | 4,680 |
| Net loans and leases to deposits | 60.6617% | 5,074 |
| Net loans and leases to core deposits | 65.0866% | 5,008 |
| Total domestic deposits to total assets | 89.4442% | 1,401 |
| Equity capital to assets | 10.2079% | 3,839 |
| Core capital (leverage) ratio | 10.3363% | 2,947 |
| Tier 1 risk-based capital ratio | 15.9368% | 3,207 |
| Total risk-based capital ratio | 17.1972% | 3,169 |
| Memoranda: | ||
| Average total assets | $108,851,500 | 4,732 |
| Average earning assets | $94,370,500 | 4,841 |
| Average equity | $11,123,500 | 4,795 |
| Average total loans | $61,288,000 | 4,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 2,857 |
| Cost of funding earning assets | 0.7090% | 5,483 |
| Net interest margin | 4.2957% | 1,708 |
| Noninterest income to average assets | 1.0561% | 1,202 |
| Noninterest expense to average assets | 3.9268% | 1,144 |
| Loan and lease loss provision to assets | 0.5075% | 2,071 |
| Net operating income to assets | 0.3660% | 5,007 |
| Return on assets (ROA) | 0.3660% | 5,175 |
| Pretax return on assets | 0.3660% | 5,385 |
| Return on Equity (ROE) | 3.7520% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.7520% | 3,548 |
| Net charge-offs to loans | 0.5359% | 2,863 |
| Credit loss provision to net charge-offs | 149.8652% | 1,893 |
| Earnings coverage of net charge-offs (x) | 2.5795% | 3,926 |
| Efficiency ratio | 81.8026% | 2,048 |
| Assets per employee ($millions) | 3.2966% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 1,128 |
| Loan loss allowance to noncurrent loans | 70.4370% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 5.0898% | 1,041 |
| Noncurrent loans to loans | 3.7671% | 1,667 |
| Net loans and leases to total assets | 55.4414% | 4,803 |
| Net loans and leases to deposits | 61.9758% | 5,249 |
| Net loans and leases to core deposits | 66.8644% | 5,166 |
| Total domestic deposits to total assets | 89.4565% | 1,291 |
| Equity capital to assets | 10.2301% | 3,875 |
| Core capital (leverage) ratio | 10.1000% | 3,225 |
| Tier 1 risk-based capital ratio | 15.9621% | 3,073 |
| Total risk-based capital ratio | 17.2263% | 3,020 |
| Memoranda: | ||
| Average total assets | $109,554,000 | 4,651 |
| Average earning assets | $95,491,800 | 4,771 |
| Average equity | $10,687,600 | 4,861 |
| Average total loans | $69,230,200 | 4,524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 2,741 |
| Cost of funding earning assets | 0.7550% | 5,435 |
| Net interest margin | 4.3183% | 1,648 |
| Noninterest income to average assets | 1.1578% | 979 |
| Noninterest expense to average assets | 3.9010% | 1,154 |
| Loan and lease loss provision to assets | 0.5491% | 1,790 |
| Net operating income to assets | 0.4738% | 4,662 |
| Return on assets (ROA) | 0.4738% | 4,857 |
| Pretax return on assets | 0.4738% | 5,246 |
| Return on Equity (ROE) | 4.9161% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9161% | 3,229 |
| Net charge-offs to loans | 0.5498% | 2,590 |
| Credit loss provision to net charge-offs | 154.2662% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.8737% | 3,703 |
| Efficiency ratio | 79.2253% | 2,373 |
| Assets per employee ($millions) | 3.3148% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4684% | 1,439 |
| Loan loss allowance to noncurrent loans | 89.5407% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 4.4036% | 1,371 |
| Noncurrent loans to loans | 2.7567% | 2,532 |
| Net loans and leases to total assets | 56.7252% | 4,727 |
| Net loans and leases to deposits | 63.1873% | 5,269 |
| Net loans and leases to core deposits | 68.2499% | 5,155 |
| Total domestic deposits to total assets | 89.7731% | 998 |
| Equity capital to assets | 9.8666% | 4,525 |
| Core capital (leverage) ratio | 9.9756% | 3,475 |
| Tier 1 risk-based capital ratio | 15.4771% | 3,402 |
| Total risk-based capital ratio | 16.7402% | 3,365 |
| Memoranda: | ||
| Average total assets | $109,745,750 | 4,680 |
| Average earning assets | $95,713,750 | 4,786 |
| Average equity | $10,577,250 | 4,901 |
| Average total loans | $71,048,500 | 4,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 2,902 |
| Cost of funding earning assets | 0.8235% | 5,223 |
| Net interest margin | 4.2309% | 1,914 |
| Noninterest income to average assets | 1.2247% | 844 |
| Noninterest expense to average assets | 4.0162% | 1,026 |
| Loan and lease loss provision to assets | 0.6841% | 1,398 |
| Net operating income to assets | 0.2280% | 5,636 |
| Return on assets (ROA) | 0.2280% | 5,753 |
| Pretax return on assets | 0.2280% | 5,863 |
| Return on Equity (ROE) | 2.3855% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.3855% | 4,774 |
| Net charge-offs to loans | 0.8150% | 1,871 |
| Credit loss provision to net charge-offs | 125.2525% | 2,435 |
| Earnings coverage of net charge-offs (x) | 1.6700% | 4,039 |
| Efficiency ratio | 81.4925% | 2,174 |
| Assets per employee ($millions) | 3.0565% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 1,872 |
| Loan loss allowance to noncurrent loans | 77.7102% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 4.7594% | 1,307 |
| Noncurrent loans to loans | 2.8635% | 2,555 |
| Net loans and leases to total assets | 61.2556% | 4,036 |
| Net loans and leases to deposits | 68.1903% | 4,676 |
| Net loans and leases to core deposits | 74.6233% | 4,493 |
| Total domestic deposits to total assets | 89.8304% | 1,057 |
| Equity capital to assets | 9.8479% | 4,333 |
| Core capital (leverage) ratio | 9.9671% | 3,302 |
| Tier 1 risk-based capital ratio | 14.6279% | 3,707 |
| Total risk-based capital ratio | 15.8874% | 3,668 |
| Memoranda: | ||
| Average total assets | $108,760,000 | 4,739 |
| Average earning assets | $95,203,330 | 4,838 |
| Average equity | $10,396,330 | 4,952 |
| Average total loans | $72,881,670 | 4,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 2,606 |
| Cost of funding earning assets | 0.8437% | 5,309 |
| Net interest margin | 4.2648% | 1,685 |
| Noninterest income to average assets | 1.2948% | 764 |
| Noninterest expense to average assets | 4.2655% | 749 |
| Loan and lease loss provision to assets | 1.0840% | 679 |
| Net operating income to assets | -0.2960% | 6,658 |
| Return on assets (ROA) | -0.2960% | 6,671 |
| Pretax return on assets | -0.2960% | 6,619 |
| Return on Equity (ROE) | -3.1445% | 6,682 |
| Retained earnings to average equity (ytd only) | -3.1445% | 6,321 |
| Net charge-offs to loans | 1.1810% | 1,180 |
| Credit loss provision to net charge-offs | 132.5792% | 2,094 |
| Earnings coverage of net charge-offs (x) | 0.9638% | 3,930 |
| Efficiency ratio | 84.4070% | 1,908 |
| Assets per employee ($millions) | 3.0819% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 2,178 |
| Loan loss allowance to noncurrent loans | 50.8469% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.6085% | 1,400 |
| Noncurrent loans to loans | 4.1417% | 1,735 |
| Net loans and leases to total assets | 65.9775% | 3,015 |
| Net loans and leases to deposits | 73.0955% | 3,907 |
| Net loans and leases to core deposits | 79.8510% | 3,784 |
| Total domestic deposits to total assets | 90.2621% | 982 |
| Equity capital to assets | 9.3968% | 4,577 |
| Core capital (leverage) ratio | 9.2514% | 4,210 |
| Tier 1 risk-based capital ratio | 13.5383% | 4,402 |
| Total risk-based capital ratio | 14.7983% | 4,357 |
| Memoranda: | ||
| Average total assets | $108,123,000 | 4,788 |
| Average earning assets | $95,291,500 | 4,872 |
| Average equity | $10,176,500 | 4,993 |
| Average total loans | $74,854,500 | 4,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 2,802 |
| Cost of funding earning assets | 1.2403% | 4,281 |
| Net interest margin | 4.1315% | 2,442 |
| Noninterest income to average assets | 1.0733% | 1,298 |
| Noninterest expense to average assets | 4.1971% | 908 |
| Loan and lease loss provision to assets | 0.2726% | 4,622 |
| Net operating income to assets | 0.2907% | 4,965 |
| Return on assets (ROA) | 0.2907% | 5,128 |
| Pretax return on assets | 0.2907% | 5,255 |
| Return on Equity (ROE) | 3.2950% | 4,823 |
| Retained earnings to average equity (ytd only) | -6.4535% | 6,423 |
| Net charge-offs to loans | 0.3583% | 4,226 |
| Credit loss provision to net charge-offs | 103.5948% | 4,346 |
| Earnings coverage of net charge-offs (x) | 2.1405% | 4,120 |
| Efficiency ratio | 88.1662% | 1,467 |
| Assets per employee ($millions) | 3.0105% | 6,078 |
| Cash dividends to net income (ytd only)* | 295.8580% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,582 |
| Loan loss allowance to noncurrent loans | 45.3387% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 4.9244% | 1,306 |
| Noncurrent loans to loans | 4.1787% | 1,734 |
| Net loans and leases to total assets | 69.7100% | 2,594 |
| Net loans and leases to deposits | 77.2418% | 3,627 |
| Net loans and leases to core deposits | 81.5472% | 3,968 |
| Total domestic deposits to total assets | 90.2490% | 952 |
| Equity capital to assets | 9.4271% | 4,505 |
| Core capital (leverage) ratio | 9.1476% | 4,267 |
| Tier 1 risk-based capital ratio | 12.8135% | 4,763 |
| Total risk-based capital ratio | 14.0707% | 4,727 |
| Memoranda: | ||
| Average total assets | $116,271,800 | 4,569 |
| Average earning assets | $103,763,400 | 4,612 |
| Average equity | $10,258,000 | 5,058 |
| Average total loans | $85,404,800 | 4,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 2,845 |
| Cost of funding earning assets | 1.3273% | 4,056 |
| Net interest margin | 4.0790% | 2,715 |
| Noninterest income to average assets | 1.0408% | 1,337 |
| Noninterest expense to average assets | 3.9961% | 1,048 |
| Loan and lease loss provision to assets | 0.3044% | 4,139 |
| Net operating income to assets | 0.3890% | 4,796 |
| Return on assets (ROA) | 0.3890% | 4,981 |
| Pretax return on assets | 0.3890% | 5,253 |
| Return on Equity (ROE) | 4.4797% | 4,567 |
| Retained earnings to average equity (ytd only) | -8.5050% | 6,800 |
| Net charge-offs to loans | 0.2727% | 4,310 |
| Credit loss provision to net charge-offs | 150.8380% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.4358% | 3,453 |
| Efficiency ratio | 85.2128% | 1,712 |
| Assets per employee ($millions) | 2.9385% | 6,290 |
| Cash dividends to net income (ytd only)* | 289.8541% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 2,372 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.9528% | 1,776 |
| Noncurrent loans to loans | 3.2380% | 2,447 |
| Net loans and leases to total assets | 67.7795% | 3,272 |
| Net loans and leases to deposits | 74.7697% | 4,385 |
| Net loans and leases to core deposits | 79.2071% | 4,630 |
| Total domestic deposits to total assets | 90.6510% | 573 |
| Equity capital to assets | 8.9266% | 5,670 |
| Core capital (leverage) ratio | 8.7504% | 5,104 |
| Tier 1 risk-based capital ratio | 12.5617% | 4,926 |
| Total risk-based capital ratio | 13.8203% | 4,898 |
| Memoranda: | ||
| Average total assets | $118,245,000 | 4,577 |
| Average earning assets | $105,774,500 | 4,616 |
| Average equity | $10,268,250 | 5,118 |
| Average total loans | $87,503,500 | 4,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 3,290 |
| Cost of funding earning assets | 1.4037% | 3,854 |
| Net interest margin | 3.9316% | 3,314 |
| Noninterest income to average assets | 1.0129% | 1,345 |
| Noninterest expense to average assets | 3.9428% | 1,110 |
| Loan and lease loss provision to assets | 0.3633% | 3,530 |
| Net operating income to assets | 0.2377% | 5,421 |
| Return on assets (ROA) | 0.2377% | 5,563 |
| Pretax return on assets | 0.2377% | 5,684 |
| Return on Equity (ROE) | 2.7624% | 5,339 |
| Retained earnings to average equity (ytd only) | -16.6910% | 7,158 |
| Net charge-offs to loans | 0.0310% | 5,904 |
| Credit loss provision to net charge-offs | 1,550.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 25.6429% | 1,028 |
| Efficiency ratio | 86.7723% | 1,624 |
| Assets per employee ($millions) | 3.0691% | 5,996 |
| Cash dividends to net income (ytd only)* | 704.2254% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 2,351 |
| Loan loss allowance to noncurrent loans | 68.0264% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 3,112 |
| Noncurrent loans to loans | 2.8328% | 2,823 |
| Net loans and leases to total assets | 70.1978% | 2,857 |
| Net loans and leases to deposits | 76.9613% | 4,162 |
| Net loans and leases to core deposits | 81.4913% | 4,492 |
| Total domestic deposits to total assets | 91.2119% | 410 |
| Equity capital to assets | 8.3771% | 6,324 |
| Core capital (leverage) ratio | 8.5073% | 5,392 |
| Tier 1 risk-based capital ratio | 11.8080% | 5,490 |
| Total risk-based capital ratio | 13.0669% | 5,444 |
| Memoranda: | ||
| Average total assets | $119,459,670 | 4,576 |
| Average earning assets | $107,285,000 | 4,618 |
| Average equity | $10,281,000 | 5,122 |
| Average total loans | $90,266,330 | 4,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 2,839 |
| Cost of funding earning assets | 1.4768% | 3,703 |
| Net interest margin | 3.9679% | 3,005 |
| Noninterest income to average assets | 1.0089% | 1,272 |
| Noninterest expense to average assets | 3.8914% | 1,182 |
| Loan and lease loss provision to assets | 0.5296% | 2,382 |
| Net operating income to assets | 0.1542% | 5,841 |
| Return on assets (ROA) | 0.1542% | 5,969 |
| Pretax return on assets | 0.1542% | 6,008 |
| Return on Equity (ROE) | 1.7679% | 5,856 |
| Retained earnings to average equity (ytd only) | -36.6641% | 7,613 |
| Net charge-offs to loans | 0.0216% | 5,277 |
| Credit loss provision to net charge-offs | 3,160.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 677 |
| Efficiency ratio | 85.0549% | 1,903 |
| Assets per employee ($millions) | 2.9008% | 6,438 |
| Cash dividends to net income (ytd only)* | 2,173.9130% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 2,822 |
| Loan loss allowance to noncurrent loans | 69.6996% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 2.8445% | 2,543 |
| Noncurrent loans to loans | 2.5416% | 3,131 |
| Net loans and leases to total assets | 74.6450% | 1,820 |
| Net loans and leases to deposits | 81.8416% | 3,308 |
| Net loans and leases to core deposits | 85.9541% | 3,906 |
| Total domestic deposits to total assets | 91.2067% | 462 |
| Equity capital to assets | 8.3502% | 6,225 |
| Core capital (leverage) ratio | 8.3374% | 5,674 |
| Tier 1 risk-based capital ratio | 11.0227% | 6,134 |
| Total risk-based capital ratio | 12.2791% | 6,098 |
| Memoranda: | ||
| Average total assets | $119,341,500 | 4,647 |
| Average earning assets | $107,262,000 | 4,672 |
| Average equity | $10,408,000 | 5,129 |
| Average total loans | $92,562,000 | 4,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1911% | 1,255 |
| Cost of funding earning assets | 1.7807% | 4,098 |
| Net interest margin | 4.4104% | 1,403 |
| Noninterest income to average assets | 1.0875% | 1,304 |
| Noninterest expense to average assets | 4.2241% | 1,063 |
| Loan and lease loss provision to assets | 0.4035% | 4,395 |
| Net operating income to assets | 0.3727% | 4,237 |
| Return on assets (ROA) | 0.3727% | 4,337 |
| Pretax return on assets | 0.3727% | 4,572 |
| Return on Equity (ROE) | 4.0685% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.0685% | 2,373 |
| Net charge-offs to loans | 0.4418% | 4,030 |
| Credit loss provision to net charge-offs | 106.7873% | 5,193 |
| Earnings coverage of net charge-offs (x) | 2.0543% | 4,187 |
| Efficiency ratio | 84.4760% | 2,294 |
| Assets per employee ($millions) | 2.9208% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,586 |
| Loan loss allowance to noncurrent loans | 72.0040% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.6221% | 2,683 |
| Noncurrent loans to loans | 2.1225% | 3,491 |
| Net loans and leases to total assets | 77.9102% | 1,407 |
| Net loans and leases to deposits | 86.1224% | 2,896 |
| Net loans and leases to core deposits | 113.9126% | 2,506 |
| Total domestic deposits to total assets | 90.4645% | 754 |
| Equity capital to assets | 9.0896% | 5,001 |
| Core capital (leverage) ratio | 9.2874% | 3,998 |
| Tier 1 risk-based capital ratio | 11.6274% | 5,266 |
| Total risk-based capital ratio | 12.8815% | 5,220 |
| Memoranda: | ||
| Average total assets | $116,970,400 | 4,659 |
| Average earning assets | $103,777,600 | 4,732 |
| Average equity | $10,716,400 | 5,098 |
| Average total loans | $100,052,800 | 3,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3191% | 1,090 |
| Cost of funding earning assets | 1.7979% | 4,392 |
| Net interest margin | 4.5212% | 1,143 |
| Noninterest income to average assets | 1.1673% | 1,156 |
| Noninterest expense to average assets | 4.4480% | 788 |
| Loan and lease loss provision to assets | 0.2018% | 5,370 |
| Net operating income to assets | 0.5172% | 3,915 |
| Return on assets (ROA) | 0.5172% | 4,008 |
| Pretax return on assets | 0.5172% | 4,466 |
| Return on Equity (ROE) | 5.6334% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.6334% | 2,136 |
| Net charge-offs to loans | 0.2985% | 4,161 |
| Credit loss provision to net charge-offs | 77.5330% | 5,821 |
| Earnings coverage of net charge-offs (x) | 2.7621% | 3,852 |
| Efficiency ratio | 86.0852% | 2,057 |
| Assets per employee ($millions) | 2.7253% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,983 |
| Loan loss allowance to noncurrent loans | 33.6617% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 3.6258% | 1,816 |
| Noncurrent loans to loans | 4.1409% | 1,755 |
| Net loans and leases to total assets | 82.5188% | 740 |
| Net loans and leases to deposits | 91.6191% | 2,305 |
| Net loans and leases to core deposits | 122.3825% | 2,038 |
| Total domestic deposits to total assets | 90.0673% | 741 |
| Equity capital to assets | 9.3012% | 5,032 |
| Core capital (leverage) ratio | 9.4765% | 3,944 |
| Tier 1 risk-based capital ratio | 11.1816% | 5,777 |
| Total risk-based capital ratio | 12.4331% | 5,721 |
| Memoranda: | ||
| Average total assets | $116,275,000 | 4,692 |
| Average earning assets | $102,860,500 | 4,791 |
| Average equity | $10,674,250 | 5,151 |
| Average total loans | $101,379,250 | 3,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4012% | 1,011 |
| Cost of funding earning assets | 1.7945% | 4,789 |
| Net interest margin | 4.6066% | 943 |
| Noninterest income to average assets | 1.1399% | 1,208 |
| Noninterest expense to average assets | 4.5926% | 704 |
| Loan and lease loss provision to assets | 0.1656% | 5,408 |
| Net operating income to assets | 0.4415% | 4,329 |
| Return on assets (ROA) | 0.4415% | 4,438 |
| Pretax return on assets | 0.4415% | 4,824 |
| Return on Equity (ROE) | 4.8306% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.8306% | 2,609 |
| Net charge-offs to loans | 0.3318% | 3,525 |
| Credit loss provision to net charge-offs | 56.4706% | 5,650 |
| Earnings coverage of net charge-offs (x) | 2.0706% | 4,042 |
| Efficiency ratio | 88.3250% | 1,970 |
| Assets per employee ($millions) | 2.3724% | 7,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,040 |
| Loan loss allowance to noncurrent loans | 41.3030% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 3.0869% | 2,037 |
| Noncurrent loans to loans | 3.2439% | 2,191 |
| Net loans and leases to total assets | 88.7557% | 202 |
| Net loans and leases to deposits | 99.4313% | 1,341 |
| Net loans and leases to core deposits | 133.5083% | 1,343 |
| Total domestic deposits to total assets | 89.2633% | 1,137 |
| Equity capital to assets | 9.6005% | 4,487 |
| Core capital (leverage) ratio | 9.4555% | 3,949 |
| Tier 1 risk-based capital ratio | 10.7734% | 6,116 |
| Total risk-based capital ratio | 12.0254% | 6,040 |
| Memoranda: | ||
| Average total assets | $115,970,330 | 4,731 |
| Average earning assets | $102,200,330 | 4,831 |
| Average equity | $10,599,000 | 5,186 |
| Average total loans | $102,482,330 | 3,957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5200% | 832 |
| Cost of funding earning assets | 1.7719% | 5,253 |
| Net interest margin | 4.7481% | 691 |
| Noninterest income to average assets | 1.0186% | 1,432 |
| Noninterest expense to average assets | 4.3045% | 849 |
| Loan and lease loss provision to assets | 0.2200% | 4,252 |
| Net operating income to assets | 0.6565% | 3,769 |
| Return on assets (ROA) | 0.6565% | 3,947 |
| Pretax return on assets | 0.6565% | 4,567 |
| Return on Equity (ROE) | 7.3582% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.3582% | 2,075 |
| Net charge-offs to loans | 0.0811% | 4,355 |
| Credit loss provision to net charge-offs | 309.5238% | 1,575 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,810 |
| Efficiency ratio | 83.0830% | 2,401 |
| Assets per employee ($millions) | 2.4951% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 3,234 |
| Loan loss allowance to noncurrent loans | 105.9420% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 2.8124% | 2,021 |
| Noncurrent loans to loans | 1.3685% | 4,265 |
| Net loans and leases to total assets | 86.5860% | 380 |
| Net loans and leases to deposits | 110.4750% | 591 |
| Net loans and leases to core deposits | 150.5415% | 689 |
| Total domestic deposits to total assets | 78.3761% | 5,898 |
| Equity capital to assets | 9.2728% | 4,977 |
| Core capital (leverage) ratio | 9.1680% | 4,453 |
| Tier 1 risk-based capital ratio | 10.4945% | 6,400 |
| Total risk-based capital ratio | 11.7468% | 6,310 |
| Memoranda: | ||
| Average total assets | $118,203,000 | 4,699 |
| Average earning assets | $103,619,500 | 4,818 |
| Average equity | $10,546,000 | 5,227 |
| Average total loans | $103,568,000 | 3,948 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6264% | 325 |
| Cost of funding earning assets | 2.2767% | 5,259 |
| Net interest margin | 5.3497% | 261 |
| Noninterest income to average assets | 1.0867% | 1,333 |
| Noninterest expense to average assets | 4.4597% | 900 |
| Loan and lease loss provision to assets | 0.2436% | 4,476 |
| Net operating income to assets | 1.1936% | 1,793 |
| Return on assets (ROA) | 1.1936% | 1,725 |
| Pretax return on assets | 1.1936% | 2,667 |
| Return on Equity (ROE) | 14.4463% | 1,021 |
| Retained earnings to average equity (ytd only) | 14.4463% | 106 |
| Net charge-offs to loans | 0.0995% | 5,323 |
| Credit loss provision to net charge-offs | 272.5490% | 1,685 |
| Earnings coverage of net charge-offs (x) | 16.0784% | 1,874 |
| Efficiency ratio | 75.6279% | 3,297 |
| Assets per employee ($millions) | 2.5879% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,569 |
| Loan loss allowance to noncurrent loans | 80.2036% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 2,868 |
| Noncurrent loans to loans | 1.6633% | 3,276 |
| Net loans and leases to total assets | 86.2254% | 578 |
| Net loans and leases to deposits | 124.7158% | 290 |
| Net loans and leases to core deposits | 167.5121% | 449 |
| Total domestic deposits to total assets | 69.1375% | 7,368 |
| Equity capital to assets | 8.5908% | 5,950 |
| Core capital (leverage) ratio | 8.8920% | 4,903 |
| Tier 1 risk-based capital ratio | 9.8198% | 6,934 |
| Total risk-based capital ratio | 11.0707% | 6,825 |
| Memoranda: | ||
| Average total assets | $114,112,000 | 4,664 |
| Average earning assets | $102,603,600 | 4,724 |
| Average equity | $9,428,000 | 5,593 |
| Average total loans | $102,498,400 | 3,886 |