Home > Community Bank - Missoula > Performance and Condition Ratios
Community Bank - Missoula, Performance and Condition Ratios
| 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 | 4.0371% | 5,640 |
| Cost of funding earning assets | 0.9271% | 2,463 |
| Net interest margin | 3.1101% | 6,008 |
| Noninterest income to average assets | 0.9809% | 1,478 |
| Noninterest expense to average assets | 2.8588% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9661% | 2,610 |
| Return on assets (ROA) | 0.9661% | 2,811 |
| Pretax return on assets | 0.9661% | 3,810 |
| Return on Equity (ROE) | 8.5880% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.5880% | 1,738 |
| Net charge-offs to loans | 0.1664% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,618 |
| Efficiency ratio | 74.7423% | 2,983 |
| Assets per employee ($millions) | 4.1182% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4401% | 559 |
| Loan loss allowance to noncurrent loans | 114.6715% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 2,182 |
| Noncurrent loans to loans | 2.9999% | 2,152 |
| Net loans and leases to total assets | 43.4170% | 6,062 |
| Net loans and leases to deposits | 52.0055% | 5,967 |
| Net loans and leases to core deposits | 56.3958% | 5,872 |
| Total domestic deposits to total assets | 83.4855% | 4,718 |
| Equity capital to assets | 11.1942% | 2,716 |
| Core capital (leverage) ratio | 11.3940% | 1,967 |
| Tier 1 risk-based capital ratio | 20.3933% | 1,617 |
| Total risk-based capital ratio | 21.6629% | 1,585 |
| Memoranda: | ||
| Average total assets | $81,152,500 | 5,438 |
| Average earning assets | $74,211,000 | 5,424 |
| Average equity | $9,129,000 | 5,251 |
| Average total loans | $38,468,500 | 5,708 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 5,110 |
| Cost of funding earning assets | 1.1966% | 2,050 |
| Net interest margin | 3.2943% | 5,822 |
| Noninterest income to average assets | 0.6725% | 2,770 |
| Noninterest expense to average assets | 2.5849% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1213% | 1,749 |
| Return on assets (ROA) | 1.1225% | 1,870 |
| Pretax return on assets | 1.1225% | 2,752 |
| Return on Equity (ROE) | 10.5854% | 1,848 |
| Retained earnings to average equity (ytd only) | 6.3877% | 1,809 |
| Net charge-offs to loans | 0.0242% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 92.7000% | 327 |
| Efficiency ratio | 69.7454% | 4,012 |
| Assets per employee ($millions) | 3.9971% | 3,857 |
| Cash dividends to net income (ytd only)* | 39.6552% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2328% | 661 |
| Loan loss allowance to noncurrent loans | 86.2876% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.4393% | 2,498 |
| Noncurrent loans to loans | 3.7466% | 1,683 |
| Net loans and leases to total assets | 48.3019% | 5,793 |
| Net loans and leases to deposits | 58.6690% | 5,639 |
| Net loans and leases to core deposits | 64.1252% | 5,450 |
| Total domestic deposits to total assets | 82.3295% | 5,017 |
| Equity capital to assets | 11.3058% | 2,685 |
| Core capital (leverage) ratio | 11.0316% | 2,249 |
| Tier 1 risk-based capital ratio | 19.6491% | 1,715 |
| Total risk-based capital ratio | 20.9185% | 1,676 |
| Memoranda: | ||
| Average total assets | $82,672,000 | 5,377 |
| Average earning assets | $76,130,400 | 5,340 |
| Average equity | $8,766,800 | 5,345 |
| Average total loans | $41,358,000 | 5,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 5,202 |
| Cost of funding earning assets | 1.2604% | 1,932 |
| Net interest margin | 3.2597% | 5,987 |
| Noninterest income to average assets | 0.6142% | 3,083 |
| Noninterest expense to average assets | 2.5881% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0253% | 2,231 |
| Return on assets (ROA) | 1.0269% | 2,393 |
| Pretax return on assets | 1.0269% | 3,306 |
| Return on Equity (ROE) | 9.8400% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.3454% | 2,333 |
| Net charge-offs to loans | 0.0352% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 58.2584% | 569 |
| Efficiency ratio | 71.6246% | 3,633 |
| Assets per employee ($millions) | 4.2739% | 3,323 |
| Cash dividends to net income (ytd only)* | 35.5137% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2182% | 708 |
| Loan loss allowance to noncurrent loans | 85.0825% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 2.4260% | 2,656 |
| Noncurrent loans to loans | 3.7825% | 1,787 |
| Net loans and leases to total assets | 47.7366% | 5,987 |
| Net loans and leases to deposits | 57.7301% | 5,863 |
| Net loans and leases to core deposits | 63.7105% | 5,653 |
| Total domestic deposits to total assets | 82.6893% | 4,802 |
| Equity capital to assets | 10.9871% | 3,162 |
| Core capital (leverage) ratio | 10.9124% | 2,465 |
| Tier 1 risk-based capital ratio | 18.8841% | 1,970 |
| Total risk-based capital ratio | 20.1520% | 1,934 |
| Memoranda: | ||
| Average total assets | $83,354,750 | 5,396 |
| Average earning assets | $76,692,500 | 5,364 |
| Average equity | $8,699,000 | 5,388 |
| Average total loans | $41,721,750 | 5,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 5,298 |
| Cost of funding earning assets | 1.3279% | 1,779 |
| Net interest margin | 3.1906% | 6,189 |
| Noninterest income to average assets | 0.5614% | 3,391 |
| Noninterest expense to average assets | 2.5692% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9302% | 2,515 |
| Return on assets (ROA) | 0.9302% | 2,619 |
| Pretax return on assets | 0.9302% | 3,507 |
| Return on Equity (ROE) | 9.0670% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.9596% | 2,459 |
| Net charge-offs to loans | -0.0189% | 6,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4194% | 3,481 |
| Assets per employee ($millions) | 4.0302% | 3,693 |
| Cash dividends to net income (ytd only)* | 34.2711% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1166% | 813 |
| Loan loss allowance to noncurrent loans | 83.1633% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 2.5098% | 2,656 |
| Noncurrent loans to loans | 3.7475% | 1,872 |
| Net loans and leases to total assets | 50.2922% | 5,784 |
| Net loans and leases to deposits | 61.3528% | 5,570 |
| Net loans and leases to core deposits | 67.7910% | 5,311 |
| Total domestic deposits to total assets | 81.9721% | 5,178 |
| Equity capital to assets | 10.9103% | 3,051 |
| Core capital (leverage) ratio | 10.4211% | 2,797 |
| Tier 1 risk-based capital ratio | 17.6233% | 2,299 |
| Total risk-based capital ratio | 18.8910% | 2,264 |
| Memoranda: | ||
| Average total assets | $84,071,670 | 5,421 |
| Average earning assets | $77,414,330 | 5,385 |
| Average equity | $8,624,670 | 5,422 |
| Average total loans | $42,278,000 | 5,693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 5,770 |
| Cost of funding earning assets | 1.3557% | 1,847 |
| Net interest margin | 3.0200% | 6,532 |
| Noninterest income to average assets | 0.5361% | 3,613 |
| Noninterest expense to average assets | 2.4800% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8391% | 2,832 |
| Return on assets (ROA) | 0.8391% | 2,894 |
| Pretax return on assets | 0.8391% | 3,747 |
| Return on Equity (ROE) | 8.4309% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.4309% | 1,578 |
| Net charge-offs to loans | -0.0377% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7191% | 3,386 |
| Assets per employee ($millions) | 4.2428% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1452% | 808 |
| Loan loss allowance to noncurrent loans | 82.3752% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4017% | 2,837 |
| Noncurrent loans to loans | 3.8181% | 1,921 |
| Net loans and leases to total assets | 47.3225% | 6,157 |
| Net loans and leases to deposits | 57.1795% | 6,004 |
| Net loans and leases to core deposits | 64.7322% | 5,648 |
| Total domestic deposits to total assets | 82.7614% | 5,008 |
| Equity capital to assets | 10.1808% | 3,558 |
| Core capital (leverage) ratio | 9.8466% | 3,335 |
| Tier 1 risk-based capital ratio | 17.1892% | 2,405 |
| Total risk-based capital ratio | 18.4565% | 2,379 |
| Memoranda: | ||
| Average total assets | $85,806,000 | 5,412 |
| Average earning assets | $79,074,000 | 5,387 |
| Average equity | $8,540,000 | 5,447 |
| Average total loans | $42,496,500 | 5,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 4,465 |
| Cost of funding earning assets | 1.6682% | 1,738 |
| Net interest margin | 3.3502% | 5,792 |
| Noninterest income to average assets | 0.6836% | 2,948 |
| Noninterest expense to average assets | 2.4454% | 5,958 |
| Loan and lease loss provision to assets | 1.4406% | 1,033 |
| Net operating income to assets | -0.1319% | 6,026 |
| Return on assets (ROA) | -0.1353% | 6,087 |
| Pretax return on assets | -0.1353% | 6,028 |
| Return on Equity (ROE) | -1.3455% | 6,100 |
| Retained earnings to average equity (ytd only) | -1.3455% | 5,864 |
| Net charge-offs to loans | 2.2471% | 861 |
| Credit loss provision to net charge-offs | 118.9394% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.0805% | 5,031 |
| Efficiency ratio | 65.1390% | 5,138 |
| Assets per employee ($millions) | 4.3378% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 883 |
| Loan loss allowance to noncurrent loans | 81.3008% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.3676% | 2,899 |
| Noncurrent loans to loans | 3.6731% | 2,026 |
| Net loans and leases to total assets | 48.6802% | 6,313 |
| Net loans and leases to deposits | 58.9566% | 6,158 |
| Net loans and leases to core deposits | 65.8101% | 5,897 |
| Total domestic deposits to total assets | 82.5695% | 4,985 |
| Equity capital to assets | 9.7296% | 4,083 |
| Core capital (leverage) ratio | 9.5825% | 3,585 |
| Tier 1 risk-based capital ratio | 16.5466% | 2,504 |
| Total risk-based capital ratio | 17.8122% | 2,475 |
| Memoranda: | ||
| Average total assets | $87,185,400 | 5,371 |
| Average earning assets | $79,906,600 | 5,351 |
| Average equity | $8,770,200 | 5,485 |
| Average total loans | $46,993,400 | 5,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 4,590 |
| Cost of funding earning assets | 1.7389% | 1,681 |
| Net interest margin | 3.3108% | 5,981 |
| Noninterest income to average assets | 0.5987% | 3,445 |
| Noninterest expense to average assets | 2.5263% | 5,617 |
| Loan and lease loss provision to assets | 0.6110% | 2,494 |
| Net operating income to assets | 0.4888% | 4,368 |
| Return on assets (ROA) | 0.4872% | 4,573 |
| Pretax return on assets | 0.4872% | 4,972 |
| Return on Equity (ROE) | 4.8045% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.8045% | 3,127 |
| Net charge-offs to loans | 2.0170% | 934 |
| Credit loss provision to net charge-offs | 55.2486% | 5,797 |
| Earnings coverage of net charge-offs (x) | 0.9945% | 5,066 |
| Efficiency ratio | 69.6714% | 4,138 |
| Assets per employee ($millions) | 4.2765% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,251 |
| Loan loss allowance to noncurrent loans | 42.8020% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.6517% | 2,730 |
| Noncurrent loans to loans | 3.9041% | 1,936 |
| Net loans and leases to total assets | 53.3871% | 5,933 |
| Net loans and leases to deposits | 65.4624% | 5,726 |
| Net loans and leases to core deposits | 76.3872% | 5,008 |
| Total domestic deposits to total assets | 81.5538% | 5,180 |
| Equity capital to assets | 10.5367% | 3,476 |
| Core capital (leverage) ratio | 10.5774% | 2,615 |
| Tier 1 risk-based capital ratio | 16.4238% | 2,590 |
| Total risk-based capital ratio | 17.6755% | 2,539 |
| Memoranda: | ||
| Average total assets | $87,292,750 | 5,432 |
| Average earning assets | $79,818,500 | 5,416 |
| Average equity | $8,852,500 | 5,537 |
| Average total loans | $47,858,500 | 5,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 4,824 |
| Cost of funding earning assets | 1.7956% | 1,657 |
| Net interest margin | 3.2296% | 6,220 |
| Noninterest income to average assets | 0.4961% | 4,150 |
| Noninterest expense to average assets | 2.4647% | 5,865 |
| Loan and lease loss provision to assets | 0.9103% | 1,599 |
| Net operating income to assets | 0.0683% | 5,948 |
| Return on assets (ROA) | 0.0660% | 6,051 |
| Pretax return on assets | 0.0660% | 6,042 |
| Return on Equity (ROE) | 0.6591% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.6591% | 5,496 |
| Net charge-offs to loans | 3.0001% | 528 |
| Credit loss provision to net charge-offs | 55.1724% | 5,314 |
| Earnings coverage of net charge-offs (x) | 0.5931% | 5,147 |
| Efficiency ratio | 71.5796% | 3,879 |
| Assets per employee ($millions) | 4.2105% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 3,213 |
| Loan loss allowance to noncurrent loans | 44.0091% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.6315% | 2,747 |
| Noncurrent loans to loans | 3.7784% | 2,048 |
| Net loans and leases to total assets | 54.4265% | 5,930 |
| Net loans and leases to deposits | 66.4068% | 5,757 |
| Net loans and leases to core deposits | 77.5644% | 5,015 |
| Total domestic deposits to total assets | 81.9592% | 5,002 |
| Equity capital to assets | 10.3944% | 3,529 |
| Core capital (leverage) ratio | 10.1500% | 2,998 |
| Tier 1 risk-based capital ratio | 15.3963% | 2,956 |
| Total risk-based capital ratio | 16.6472% | 2,920 |
| Memoranda: | ||
| Average total assets | $87,880,330 | 5,455 |
| Average earning assets | $80,195,670 | 5,432 |
| Average equity | $8,799,330 | 5,560 |
| Average total loans | $48,332,000 | 5,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 4,618 |
| Cost of funding earning assets | 1.8478% | 1,668 |
| Net interest margin | 3.2348% | 6,181 |
| Noninterest income to average assets | 0.4771% | 4,226 |
| Noninterest expense to average assets | 2.5414% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8783% | 2,638 |
| Return on assets (ROA) | 0.8783% | 2,716 |
| Pretax return on assets | 0.8783% | 3,545 |
| Return on Equity (ROE) | 8.9317% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.9317% | 1,418 |
| Net charge-offs to loans | -0.2277% | 7,696 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3155% | 3,527 |
| Assets per employee ($millions) | 4.1967% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3804% | 1,444 |
| Loan loss allowance to noncurrent loans | 126.0335% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 3.2339% | 2,222 |
| Noncurrent loans to loans | 1.8887% | 3,943 |
| Net loans and leases to total assets | 52.4895% | 6,214 |
| Net loans and leases to deposits | 64.0635% | 6,047 |
| Net loans and leases to core deposits | 77.8758% | 5,034 |
| Total domestic deposits to total assets | 81.9335% | 5,102 |
| Equity capital to assets | 10.1112% | 3,734 |
| Core capital (leverage) ratio | 9.9991% | 3,162 |
| Tier 1 risk-based capital ratio | 15.4576% | 2,887 |
| Total risk-based capital ratio | 16.7176% | 2,833 |
| Memoranda: | ||
| Average total assets | $89,716,000 | 5,466 |
| Average earning assets | $81,611,500 | 5,449 |
| Average equity | $8,822,500 | 5,584 |
| Average total loans | $49,194,500 | 5,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 1,862 |
| Cost of funding earning assets | 2.2692% | 1,773 |
| Net interest margin | 3.7323% | 3,990 |
| Noninterest income to average assets | 0.7252% | 2,819 |
| Noninterest expense to average assets | 2.7403% | 5,195 |
| Loan and lease loss provision to assets | 0.6906% | 3,062 |
| Net operating income to assets | 0.7241% | 2,836 |
| Return on assets (ROA) | 0.7385% | 2,861 |
| Pretax return on assets | 0.7385% | 3,447 |
| Return on Equity (ROE) | 7.5739% | 2,550 |
| Retained earnings to average equity (ytd only) | 1.0624% | 4,297 |
| Net charge-offs to loans | 0.2994% | 4,759 |
| Credit loss provision to net charge-offs | 364.7059% | 879 |
| Earnings coverage of net charge-offs (x) | 7.4706% | 2,138 |
| Efficiency ratio | 65.9517% | 5,401 |
| Assets per employee ($millions) | 4.5651% | 2,815 |
| Cash dividends to net income (ytd only)* | 85.9729% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,721 |
| Loan loss allowance to noncurrent loans | 61.2472% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.4654% | 2,826 |
| Noncurrent loans to loans | 3.5214% | 2,158 |
| Net loans and leases to total assets | 54.6560% | 6,126 |
| Net loans and leases to deposits | 66.3608% | 6,010 |
| Net loans and leases to core deposits | 112.2806% | 2,669 |
| Total domestic deposits to total assets | 82.3618% | 4,789 |
| Equity capital to assets | 9.5661% | 4,331 |
| Core capital (leverage) ratio | 9.3833% | 3,853 |
| Tier 1 risk-based capital ratio | 13.8648% | 3,590 |
| Total risk-based capital ratio | 15.1215% | 3,532 |
| Memoranda: | ||
| Average total assets | $89,772,000 | 5,399 |
| Average earning assets | $82,496,800 | 5,381 |
| Average equity | $8,753,800 | 5,678 |
| Average total loans | $56,776,800 | 5,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2021% | 1,376 |
| Cost of funding earning assets | 2.3548% | 1,786 |
| Net interest margin | 3.8473% | 3,448 |
| Noninterest income to average assets | 0.7861% | 2,505 |
| Noninterest expense to average assets | 2.8340% | 4,746 |
| Loan and lease loss provision to assets | 0.7801% | 2,425 |
| Net operating income to assets | 0.7055% | 3,188 |
| Return on assets (ROA) | 0.7234% | 3,195 |
| Pretax return on assets | 0.7234% | 3,782 |
| Return on Equity (ROE) | 7.3829% | 2,914 |
| Retained earnings to average equity (ytd only) | 1.8267% | 4,298 |
| Net charge-offs to loans | 0.1992% | 4,818 |
| Credit loss provision to net charge-offs | 601.1494% | 635 |
| Earnings coverage of net charge-offs (x) | 11.4480% | 1,852 |
| Efficiency ratio | 65.6077% | 5,442 |
| Assets per employee ($millions) | 4.2424% | 3,303 |
| Cash dividends to net income (ytd only)* | 75.2571% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 1,690 |
| Loan loss allowance to noncurrent loans | 68.5174% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2898% | 2,992 |
| Noncurrent loans to loans | 2.9900% | 2,525 |
| Net loans and leases to total assets | 58.2826% | 5,846 |
| Net loans and leases to deposits | 70.2559% | 5,881 |
| Net loans and leases to core deposits | 115.1589% | 2,706 |
| Total domestic deposits to total assets | 82.9577% | 4,245 |
| Equity capital to assets | 9.8967% | 4,215 |
| Core capital (leverage) ratio | 9.5130% | 3,891 |
| Tier 1 risk-based capital ratio | 13.8001% | 3,665 |
| Total risk-based capital ratio | 15.0565% | 3,612 |
| Memoranda: | ||
| Average total assets | $89,389,500 | 5,442 |
| Average earning assets | $82,099,750 | 5,416 |
| Average equity | $8,758,750 | 5,733 |
| Average total loans | $58,220,500 | 5,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4154% | 973 |
| Cost of funding earning assets | 2.4397% | 1,816 |
| Net interest margin | 3.9757% | 2,808 |
| Noninterest income to average assets | 0.7710% | 2,587 |
| Noninterest expense to average assets | 2.8808% | 4,575 |
| Loan and lease loss provision to assets | 0.9632% | 1,755 |
| Net operating income to assets | 0.5654% | 3,825 |
| Return on assets (ROA) | 0.5922% | 3,820 |
| Pretax return on assets | 0.5922% | 4,342 |
| Return on Equity (ROE) | 6.0645% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.0645% | 1,988 |
| Net charge-offs to loans | 0.2268% | 4,078 |
| Credit loss provision to net charge-offs | 633.8235% | 735 |
| Earnings coverage of net charge-offs (x) | 10.0588% | 2,041 |
| Efficiency ratio | 65.3320% | 5,653 |
| Assets per employee ($millions) | 4.0605% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 2,129 |
| Loan loss allowance to noncurrent loans | 81.4309% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 3,336 |
| Noncurrent loans to loans | 2.1721% | 3,285 |
| Net loans and leases to total assets | 62.9777% | 5,190 |
| Net loans and leases to deposits | 76.1540% | 5,149 |
| Net loans and leases to core deposits | 123.4811% | 2,071 |
| Total domestic deposits to total assets | 82.6979% | 4,383 |
| Equity capital to assets | 9.9866% | 3,958 |
| Core capital (leverage) ratio | 9.6546% | 3,695 |
| Tier 1 risk-based capital ratio | 13.2348% | 3,974 |
| Total risk-based capital ratio | 14.4879% | 3,891 |
| Memoranda: | ||
| Average total assets | $89,489,330 | 5,478 |
| Average earning assets | $81,896,670 | 5,471 |
| Average equity | $8,739,330 | 5,766 |
| Average total loans | $59,957,330 | 5,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4112% | 1,042 |
| Cost of funding earning assets | 2.5128% | 1,871 |
| Net interest margin | 3.8985% | 3,044 |
| Noninterest income to average assets | 0.6431% | 3,247 |
| Noninterest expense to average assets | 2.7822% | 4,640 |
| Loan and lease loss provision to assets | 1.5184% | 824 |
| Net operating income to assets | -0.0893% | 6,398 |
| Return on assets (ROA) | -0.0893% | 6,513 |
| Pretax return on assets | -0.0893% | 6,468 |
| Return on Equity (ROE) | -0.9250% | 6,530 |
| Retained earnings to average equity (ytd only) | -0.9250% | 5,871 |
| Net charge-offs to loans | 0.2806% | 2,993 |
| Credit loss provision to net charge-offs | 790.6977% | 757 |
| Earnings coverage of net charge-offs (x) | 7.4419% | 2,346 |
| Efficiency ratio | 66.0657% | 5,317 |
| Assets per employee ($millions) | 4.1310% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 2,670 |
| Loan loss allowance to noncurrent loans | 81.7084% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7759% | 3,256 |
| Noncurrent loans to loans | 1.9160% | 3,386 |
| Net loans and leases to total assets | 65.5168% | 4,698 |
| Net loans and leases to deposits | 78.8931% | 4,787 |
| Net loans and leases to core deposits | 126.7547% | 1,867 |
| Total domestic deposits to total assets | 83.0450% | 4,128 |
| Equity capital to assets | 9.4639% | 4,724 |
| Core capital (leverage) ratio | 9.3929% | 4,116 |
| Tier 1 risk-based capital ratio | 12.5478% | 4,514 |
| Total risk-based capital ratio | 13.9560% | 4,306 |
| Memoranda: | ||
| Average total assets | $89,569,000 | 5,504 |
| Average earning assets | $81,981,000 | 5,487 |
| Average equity | $8,648,500 | 5,829 |
| Average total loans | $61,300,500 | 5,310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0742% | 959 |
| Cost of funding earning assets | 3.0695% | 1,605 |
| Net interest margin | 4.0047% | 3,087 |
| Noninterest income to average assets | 0.7019% | 3,116 |
| Noninterest expense to average assets | 3.1539% | 3,500 |
| Loan and lease loss provision to assets | 0.4319% | 3,132 |
| Net operating income to assets | 0.7852% | 3,503 |
| Return on assets (ROA) | 0.8381% | 3,114 |
| Pretax return on assets | 0.8381% | 3,935 |
| Return on Equity (ROE) | 8.4214% | 2,881 |
| Retained earnings to average equity (ytd only) | -0.0472% | 5,276 |
| Net charge-offs to loans | 0.5563% | 2,154 |
| Credit loss provision to net charge-offs | 107.2886% | 5,002 |
| Earnings coverage of net charge-offs (x) | 3.0233% | 4,575 |
| Efficiency ratio | 72.1536% | 3,909 |
| Assets per employee ($millions) | 3.6773% | 4,219 |
| Cash dividends to net income (ytd only)* | 100.5602% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,654 |
| Loan loss allowance to noncurrent loans | 76.2911% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 3,258 |
| Noncurrent loans to loans | 1.3717% | 3,774 |
| Net loans and leases to total assets | 69.6395% | 4,110 |
| Net loans and leases to deposits | 86.0509% | 4,110 |
| Net loans and leases to core deposits | 132.6162% | 1,682 |
| Total domestic deposits to total assets | 80.9282% | 4,671 |
| Equity capital to assets | 9.8532% | 4,220 |
| Core capital (leverage) ratio | 9.5729% | 3,913 |
| Tier 1 risk-based capital ratio | 12.1668% | 4,696 |
| Total risk-based capital ratio | 13.1018% | 4,845 |
| Memoranda: | ||
| Average total assets | $85,197,400 | 5,510 |
| Average earning assets | $78,058,600 | 5,500 |
| Average equity | $8,478,400 | 5,910 |
| Average total loans | $61,656,400 | 5,194 |