Home > F & M Bank, National Association, Oklahoma City, Oklahoma > Performance and Condition Ratios
F & M Bank, National Association, Oklahoma City, Oklahoma, Performance and Condition Ratios
| 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 | 4.8476% | 3,800 |
| Cost of funding earning assets | 0.3925% | 7,032 |
| Net interest margin | 4.4551% | 1,260 |
| Noninterest income to average assets | 0.9618% | 1,443 |
| Noninterest expense to average assets | 3.4531% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4857% | 969 |
| Return on assets (ROA) | 1.4941% | 1,032 |
| Pretax return on assets | 1.4941% | 1,670 |
| Return on Equity (ROE) | 15.7622% | 712 |
| Retained earnings to average equity (ytd only) | 15.3179% | 210 |
| Net charge-offs to loans | -0.3806% | 7,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9181% | 3,971 |
| Assets per employee ($millions) | 2.4502% | 6,940 |
| Cash dividends to net income (ytd only)* | 2.8183% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 1,593 |
| Loan loss allowance to noncurrent loans | 554.6729% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,395 |
| Noncurrent loans to loans | 0.4265% | 5,985 |
| Net loans and leases to total assets | 60.5902% | 4,030 |
| Net loans and leases to deposits | 68.0359% | 4,600 |
| Net loans and leases to core deposits | 72.1936% | 4,688 |
| Total domestic deposits to total assets | 89.0561% | 1,400 |
| Equity capital to assets | 9.9149% | 4,457 |
| Core capital (leverage) ratio | 9.6757% | 3,881 |
| Tier 1 risk-based capital ratio | 14.2422% | 4,166 |
| Total risk-based capital ratio | 15.5053% | 4,122 |
| Memoranda: | ||
| Average total assets | $79,153,000 | 5,524 |
| Average earning assets | $70,658,500 | 5,561 |
| Average equity | $7,503,000 | 5,746 |
| Average total loans | $49,043,750 | 5,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 4,851 |
| Cost of funding earning assets | 0.4061% | 7,111 |
| Net interest margin | 4.2232% | 1,944 |
| Noninterest income to average assets | 0.9773% | 1,382 |
| Noninterest expense to average assets | 3.3976% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3641% | 1,161 |
| Return on assets (ROA) | 1.3641% | 1,228 |
| Pretax return on assets | 1.3641% | 1,904 |
| Return on Equity (ROE) | 14.6215% | 868 |
| Retained earnings to average equity (ytd only) | 13.9395% | 318 |
| Net charge-offs to loans | -0.0493% | 7,028 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3522% | 3,868 |
| Assets per employee ($millions) | 2.4836% | 6,930 |
| Cash dividends to net income (ytd only)* | 4.6642% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 2,012 |
| Loan loss allowance to noncurrent loans | 3,114.7059% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,991 |
| Noncurrent loans to loans | 0.0690% | 6,808 |
| Net loans and leases to total assets | 58.8367% | 4,493 |
| Net loans and leases to deposits | 70.0280% | 4,433 |
| Net loans and leases to core deposits | 74.5110% | 4,506 |
| Total domestic deposits to total assets | 84.0188% | 4,343 |
| Equity capital to assets | 9.3254% | 5,108 |
| Core capital (leverage) ratio | 9.3570% | 4,164 |
| Tier 1 risk-based capital ratio | 13.9637% | 4,195 |
| Total risk-based capital ratio | 15.2248% | 4,162 |
| Memoranda: | ||
| Average total assets | $78,584,670 | 5,584 |
| Average earning assets | $70,421,330 | 5,622 |
| Average equity | $7,331,670 | 5,826 |
| Average total loans | $48,665,330 | 5,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 4,712 |
| Cost of funding earning assets | 0.4303% | 7,160 |
| Net interest margin | 4.2272% | 1,812 |
| Noninterest income to average assets | 0.9571% | 1,445 |
| Noninterest expense to average assets | 3.3863% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3524% | 1,146 |
| Return on assets (ROA) | 1.3524% | 1,200 |
| Pretax return on assets | 1.3524% | 1,873 |
| Return on Equity (ROE) | 14.4928% | 909 |
| Retained earnings to average equity (ytd only) | 13.0992% | 572 |
| Net charge-offs to loans | -0.0414% | 6,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4599% | 3,965 |
| Assets per employee ($millions) | 2.5392% | 6,930 |
| Cash dividends to net income (ytd only)* | 9.6154% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2067% | 1,949 |
| Loan loss allowance to noncurrent loans | 2,286.9565% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 5,841 |
| Noncurrent loans to loans | 0.0965% | 6,802 |
| Net loans and leases to total assets | 59.2283% | 4,422 |
| Net loans and leases to deposits | 66.0597% | 4,969 |
| Net loans and leases to core deposits | 70.4937% | 4,980 |
| Total domestic deposits to total assets | 89.6588% | 1,386 |
| Equity capital to assets | 9.2728% | 4,776 |
| Core capital (leverage) ratio | 9.1066% | 4,439 |
| Tier 1 risk-based capital ratio | 13.6913% | 4,289 |
| Total risk-based capital ratio | 14.9521% | 4,254 |
| Memoranda: | ||
| Average total assets | $76,897,500 | 5,674 |
| Average earning assets | $68,792,000 | 5,706 |
| Average equity | $7,176,000 | 5,875 |
| Average total loans | $48,357,500 | 5,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 5,098 |
| Cost of funding earning assets | 0.6839% | 6,923 |
| Net interest margin | 4.2027% | 2,175 |
| Noninterest income to average assets | 0.4961% | 4,199 |
| Noninterest expense to average assets | 3.6287% | 1,854 |
| Loan and lease loss provision to assets | 0.2512% | 4,785 |
| Net operating income to assets | 0.3291% | 4,830 |
| Return on assets (ROA) | 0.3291% | 4,987 |
| Pretax return on assets | 0.3291% | 5,150 |
| Return on Equity (ROE) | 3.7342% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.7342% | 3,252 |
| Net charge-offs to loans | 0.4871% | 3,672 |
| Credit loss provision to net charge-offs | 81.3008% | 5,508 |
| Earnings coverage of net charge-offs (x) | 1.8780% | 4,315 |
| Efficiency ratio | 86.2131% | 1,672 |
| Assets per employee ($millions) | 2.5890% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,661.9048% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 5,782 |
| Noncurrent loans to loans | 0.1285% | 6,816 |
| Net loans and leases to total assets | 63.9243% | 3,891 |
| Net loans and leases to deposits | 71.4445% | 4,618 |
| Net loans and leases to core deposits | 76.1306% | 4,695 |
| Total domestic deposits to total assets | 89.4740% | 1,395 |
| Equity capital to assets | 9.3939% | 4,554 |
| Core capital (leverage) ratio | 9.1178% | 4,320 |
| Tier 1 risk-based capital ratio | 13.2071% | 4,447 |
| Total risk-based capital ratio | 14.4680% | 4,390 |
| Memoranda: | ||
| Average total assets | $79,616,200 | 5,604 |
| Average earning assets | $70,336,200 | 5,658 |
| Average equity | $7,016,200 | 6,030 |
| Average total loans | $50,502,600 | 5,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 5,191 |
| Cost of funding earning assets | 0.7374% | 6,951 |
| Net interest margin | 4.1802% | 2,290 |
| Noninterest income to average assets | 0.3897% | 5,044 |
| Noninterest expense to average assets | 3.6688% | 1,635 |
| Loan and lease loss provision to assets | 0.0826% | 6,214 |
| Net operating income to assets | 0.3170% | 5,098 |
| Return on assets (ROA) | 0.3170% | 5,271 |
| Pretax return on assets | 0.3170% | 5,457 |
| Return on Equity (ROE) | 3.6533% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.6533% | 3,881 |
| Net charge-offs to loans | 0.2123% | 4,665 |
| Credit loss provision to net charge-offs | 61.7284% | 5,644 |
| Earnings coverage of net charge-offs (x) | 2.9876% | 3,636 |
| Efficiency ratio | 90.1786% | 1,273 |
| Assets per employee ($millions) | 2.4616% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1601% | 1,873 |
| Loan loss allowance to noncurrent loans | 209.8814% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,876 |
| Noncurrent loans to loans | 1.0292% | 5,185 |
| Net loans and leases to total assets | 61.0648% | 4,702 |
| Net loans and leases to deposits | 67.9253% | 5,431 |
| Net loans and leases to core deposits | 72.9902% | 5,410 |
| Total domestic deposits to total assets | 89.9000% | 928 |
| Equity capital to assets | 8.9537% | 5,647 |
| Core capital (leverage) ratio | 8.4203% | 5,663 |
| Tier 1 risk-based capital ratio | 12.5172% | 4,966 |
| Total risk-based capital ratio | 13.7768% | 4,933 |
| Memoranda: | ||
| Average total assets | $80,750,000 | 5,644 |
| Average earning assets | $71,063,250 | 5,699 |
| Average equity | $7,007,000 | 6,111 |
| Average total loans | $50,867,750 | 5,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 4,893 |
| Cost of funding earning assets | 0.7788% | 6,977 |
| Net interest margin | 4.2328% | 2,050 |
| Noninterest income to average assets | 0.7862% | 2,196 |
| Noninterest expense to average assets | 3.6359% | 1,694 |
| Loan and lease loss provision to assets | 0.1228% | 5,667 |
| Net operating income to assets | 0.7395% | 3,239 |
| Return on assets (ROA) | 0.7395% | 3,387 |
| Pretax return on assets | 0.7395% | 4,108 |
| Return on Equity (ROE) | 8.6102% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.6102% | 1,225 |
| Net charge-offs to loans | 0.3266% | 3,691 |
| Credit loss provision to net charge-offs | 59.5238% | 5,213 |
| Earnings coverage of net charge-offs (x) | 4.1786% | 3,028 |
| Efficiency ratio | 80.8301% | 2,329 |
| Assets per employee ($millions) | 2.3324% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 1,769 |
| Loan loss allowance to noncurrent loans | 201.3308% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 3.5385% | 1,981 |
| Noncurrent loans to loans | 1.0899% | 5,141 |
| Net loans and leases to total assets | 59.5221% | 5,150 |
| Net loans and leases to deposits | 66.2340% | 5,778 |
| Net loans and leases to core deposits | 71.9802% | 5,671 |
| Total domestic deposits to total assets | 89.8663% | 986 |
| Equity capital to assets | 9.0126% | 5,424 |
| Core capital (leverage) ratio | 8.4119% | 5,558 |
| Tier 1 risk-based capital ratio | 12.3140% | 5,026 |
| Total risk-based capital ratio | 13.5726% | 4,997 |
| Memoranda: | ||
| Average total assets | $81,409,330 | 5,651 |
| Average earning assets | $71,395,330 | 5,724 |
| Average equity | $6,991,670 | 6,141 |
| Average total loans | $51,435,670 | 5,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 4,703 |
| Cost of funding earning assets | 0.7937% | 7,107 |
| Net interest margin | 4.2718% | 1,777 |
| Noninterest income to average assets | 0.8974% | 1,635 |
| Noninterest expense to average assets | 3.4876% | 2,017 |
| Loan and lease loss provision to assets | 0.2425% | 4,106 |
| Net operating income to assets | 0.9265% | 2,446 |
| Return on assets (ROA) | 0.9265% | 2,509 |
| Pretax return on assets | 0.9265% | 3,360 |
| Return on Equity (ROE) | 11.0500% | 1,778 |
| Retained earnings to average equity (ytd only) | 11.0500% | 911 |
| Net charge-offs to loans | 0.5130% | 2,531 |
| Credit loss provision to net charge-offs | 73.5294% | 4,021 |
| Earnings coverage of net charge-offs (x) | 3.5441% | 2,873 |
| Efficiency ratio | 74.8958% | 3,425 |
| Assets per employee ($millions) | 2.5895% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 2,020 |
| Loan loss allowance to noncurrent loans | 197.2477% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 3.3608% | 2,114 |
| Noncurrent loans to loans | 1.0491% | 5,248 |
| Net loans and leases to total assets | 59.5343% | 5,196 |
| Net loans and leases to deposits | 65.5074% | 5,876 |
| Net loans and leases to core deposits | 70.4026% | 5,881 |
| Total domestic deposits to total assets | 90.8818% | 593 |
| Equity capital to assets | 8.1751% | 6,463 |
| Core capital (leverage) ratio | 8.2451% | 5,841 |
| Tier 1 risk-based capital ratio | 11.2833% | 5,872 |
| Total risk-based capital ratio | 12.5411% | 5,832 |
| Memoranda: | ||
| Average total assets | $82,464,000 | 5,684 |
| Average earning assets | $72,569,000 | 5,762 |
| Average equity | $6,914,000 | 6,216 |
| Average total loans | $53,023,500 | 5,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 4,404 |
| Cost of funding earning assets | 1.0093% | 7,190 |
| Net interest margin | 4.4478% | 1,302 |
| Noninterest income to average assets | 0.2009% | 6,665 |
| Noninterest expense to average assets | 3.2346% | 3,257 |
| Loan and lease loss provision to assets | 1.4079% | 1,630 |
| Net operating income to assets | -0.4673% | 6,145 |
| Return on assets (ROA) | -0.3377% | 6,001 |
| Pretax return on assets | -0.3377% | 5,864 |
| Return on Equity (ROE) | -3.8593% | 6,101 |
| Retained earnings to average equity (ytd only) | -4.5510% | 5,960 |
| Net charge-offs to loans | 1.8046% | 1,385 |
| Credit loss provision to net charge-offs | 108.9972% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.7282% | 5,371 |
| Efficiency ratio | 77.4717% | 3,273 |
| Assets per employee ($millions) | 2.4083% | 7,345 |
| Cash dividends to net income (ytd only)* | -17.9211% | 7,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 1,976 |
| Loan loss allowance to noncurrent loans | 147.5034% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 3.8856% | 1,713 |
| Noncurrent loans to loans | 1.3698% | 4,633 |
| Net loans and leases to total assets | 66.6943% | 3,989 |
| Net loans and leases to deposits | 73.8012% | 5,075 |
| Net loans and leases to core deposits | 96.2100% | 4,447 |
| Total domestic deposits to total assets | 90.3703% | 798 |
| Equity capital to assets | 8.6092% | 5,716 |
| Core capital (leverage) ratio | 8.3597% | 5,518 |
| Tier 1 risk-based capital ratio | 10.7343% | 6,172 |
| Total risk-based capital ratio | 11.9918% | 6,143 |
| Memoranda: | ||
| Average total assets | $82,607,800 | 5,649 |
| Average earning assets | $73,812,400 | 5,687 |
| Average equity | $7,229,200 | 6,197 |
| Average total loans | $59,128,200 | 5,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 4,630 |
| Cost of funding earning assets | 1.0311% | 7,324 |
| Net interest margin | 4.4291% | 1,367 |
| Noninterest income to average assets | 0.9017% | 1,975 |
| Noninterest expense to average assets | 3.6789% | 1,870 |
| Loan and lease loss provision to assets | 1.0313% | 1,860 |
| Net operating income to assets | 0.1679% | 5,261 |
| Return on assets (ROA) | 0.2814% | 4,966 |
| Pretax return on assets | 0.2814% | 5,112 |
| Return on Equity (ROE) | 3.2031% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.2932% | 4,045 |
| Net charge-offs to loans | 2.4376% | 754 |
| Credit loss provision to net charge-offs | 58.4239% | 6,198 |
| Earnings coverage of net charge-offs (x) | 0.6794% | 5,353 |
| Efficiency ratio | 75.4179% | 3,604 |
| Assets per employee ($millions) | 2.4481% | 7,308 |
| Cash dividends to net income (ytd only)* | 28.4113% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,020 |
| Loan loss allowance to noncurrent loans | 60.3421% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 4.3794% | 1,407 |
| Noncurrent loans to loans | 2.2957% | 3,272 |
| Net loans and leases to total assets | 68.3777% | 3,871 |
| Net loans and leases to deposits | 75.8920% | 5,069 |
| Net loans and leases to core deposits | 96.1332% | 4,801 |
| Total domestic deposits to total assets | 90.0988% | 731 |
| Equity capital to assets | 9.0818% | 5,368 |
| Core capital (leverage) ratio | 8.5553% | 5,387 |
| Tier 1 risk-based capital ratio | 11.1999% | 5,756 |
| Total risk-based capital ratio | 12.4509% | 5,702 |
| Memoranda: | ||
| Average total assets | $83,391,500 | 5,638 |
| Average earning assets | $74,866,000 | 5,676 |
| Average equity | $7,326,000 | 6,214 |
| Average total loans | $60,386,000 | 5,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 4,659 |
| Cost of funding earning assets | 1.0749% | 7,427 |
| Net interest margin | 4.4206% | 1,362 |
| Noninterest income to average assets | 0.9044% | 1,966 |
| Noninterest expense to average assets | 3.6459% | 1,958 |
| Loan and lease loss provision to assets | 0.6290% | 2,543 |
| Net operating income to assets | 0.6219% | 3,577 |
| Return on assets (ROA) | 0.7904% | 2,982 |
| Pretax return on assets | 0.7904% | 3,702 |
| Return on Equity (ROE) | 9.0955% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.7298% | 1,302 |
| Net charge-offs to loans | 2.2315% | 811 |
| Credit loss provision to net charge-offs | 38.4058% | 5,924 |
| Earnings coverage of net charge-offs (x) | 0.7638% | 4,969 |
| Efficiency ratio | 74.4547% | 3,960 |
| Assets per employee ($millions) | 2.3133% | 7,531 |
| Cash dividends to net income (ytd only)* | 15.0150% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 3,927 |
| Loan loss allowance to noncurrent loans | 76.0261% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 3.7670% | 1,621 |
| Noncurrent loans to loans | 1.7905% | 3,816 |
| Net loans and leases to total assets | 72.9384% | 2,965 |
| Net loans and leases to deposits | 80.9652% | 4,396 |
| Net loans and leases to core deposits | 100.6116% | 4,449 |
| Total domestic deposits to total assets | 90.0861% | 793 |
| Equity capital to assets | 9.1926% | 5,025 |
| Core capital (leverage) ratio | 8.0732% | 6,209 |
| Tier 1 risk-based capital ratio | 11.0651% | 5,817 |
| Total risk-based capital ratio | 12.3155% | 5,733 |
| Memoranda: | ||
| Average total assets | $84,259,330 | 5,642 |
| Average earning assets | $76,098,670 | 5,665 |
| Average equity | $7,322,330 | 6,254 |
| Average total loans | $61,842,330 | 5,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 5,040 |
| Cost of funding earning assets | 1.1431% | 7,438 |
| Net interest margin | 4.3325% | 1,512 |
| Noninterest income to average assets | 0.9359% | 1,711 |
| Noninterest expense to average assets | 3.5481% | 1,977 |
| Loan and lease loss provision to assets | 0.8847% | 1,480 |
| Net operating income to assets | 0.4563% | 4,629 |
| Return on assets (ROA) | 0.7403% | 3,572 |
| Pretax return on assets | 0.7403% | 4,285 |
| Return on Equity (ROE) | 8.7579% | 2,814 |
| Retained earnings to average equity (ytd only) | 6.0039% | 2,625 |
| Net charge-offs to loans | 2.9732% | 428 |
| Credit loss provision to net charge-offs | 40.6852% | 4,813 |
| Earnings coverage of net charge-offs (x) | 0.6167% | 4,499 |
| Efficiency ratio | 72.5714% | 4,092 |
| Assets per employee ($millions) | 2.7229% | 6,836 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 2,587 |
| Loan loss allowance to noncurrent loans | 39.9088% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 3.4821% | 1,548 |
| Noncurrent loans to loans | 3.9663% | 1,525 |
| Net loans and leases to total assets | 68.7164% | 3,968 |
| Net loans and leases to deposits | 75.5670% | 5,282 |
| Net loans and leases to core deposits | 92.6054% | 5,299 |
| Total domestic deposits to total assets | 90.9344% | 435 |
| Equity capital to assets | 8.3207% | 6,359 |
| Core capital (leverage) ratio | 8.1525% | 6,185 |
| Tier 1 risk-based capital ratio | 10.5425% | 6,352 |
| Total risk-based capital ratio | 11.7962% | 6,255 |
| Memoranda: | ||
| Average total assets | $85,905,500 | 5,607 |
| Average earning assets | $78,384,500 | 5,611 |
| Average equity | $7,262,000 | 6,313 |
| Average total loans | $62,828,000 | 5,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 3,770 |
| Cost of funding earning assets | 1.6040% | 7,441 |
| Net interest margin | 4.7285% | 920 |
| Noninterest income to average assets | 0.8455% | 2,259 |
| Noninterest expense to average assets | 3.6713% | 2,004 |
| Loan and lease loss provision to assets | 1.2736% | 1,123 |
| Net operating income to assets | 0.1734% | 5,933 |
| Return on assets (ROA) | 0.1854% | 5,716 |
| Pretax return on assets | 0.1854% | 5,763 |
| Return on Equity (ROE) | 2.0432% | 5,605 |
| Retained earnings to average equity (ytd only) | -3.8886% | 6,302 |
| Net charge-offs to loans | 1.1146% | 1,087 |
| Credit loss provision to net charge-offs | 158.0119% | 3,285 |
| Earnings coverage of net charge-offs (x) | 1.7953% | 5,177 |
| Efficiency ratio | 71.7290% | 3,988 |
| Assets per employee ($millions) | 2.7316% | 6,717 |
| Cash dividends to net income (ytd only)* | 290.3226% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 2,510 |
| Loan loss allowance to noncurrent loans | 23.2455% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 5.0650% | 678 |
| Noncurrent loans to loans | 6.6169% | 482 |
| Net loans and leases to total assets | 75.3693% | 2,789 |
| Net loans and leases to deposits | 85.1471% | 4,234 |
| Net loans and leases to core deposits | 107.6293% | 4,009 |
| Total domestic deposits to total assets | 88.5166% | 1,241 |
| Equity capital to assets | 8.5901% | 5,952 |
| Core capital (leverage) ratio | 8.3314% | 5,889 |
| Tier 1 risk-based capital ratio | 9.9609% | 6,778 |
| Total risk-based capital ratio | 11.2145% | 6,665 |
| Memoranda: | ||
| Average total assets | $83,622,000 | 5,577 |
| Average earning assets | $75,562,800 | 5,607 |
| Average equity | $7,586,200 | 6,242 |
| Average total loans | $60,470,000 | 5,243 |