Home > Farmers National Bank > Performance and Condition Ratios
Farmers National Bank, 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 | 4.2865% | 4,791 |
| Cost of funding earning assets | 0.8897% | 2,766 |
| Net interest margin | 3.3969% | 5,138 |
| Noninterest income to average assets | 0.1817% | 6,293 |
| Noninterest expense to average assets | 3.3449% | 2,158 |
| Loan and lease loss provision to assets | 0.4705% | 1,301 |
| Net operating income to assets | -0.3028% | 6,711 |
| Return on assets (ROA) | -0.3028% | 6,750 |
| Pretax return on assets | -0.5031% | 6,829 |
| Return on Equity (ROE) | -3.3585% | 6,775 |
| Retained earnings to average equity (ytd only) | -3.3585% | 6,434 |
| Net charge-offs to loans | 2.7039% | 290 |
| Credit loss provision to net charge-offs | 28.1337% | 3,653 |
| Earnings coverage of net charge-offs (x) | -0.0195% | 4,377 |
| Efficiency ratio | 100.9845% | 518 |
| Assets per employee ($millions) | 3.2207% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 5,556 |
| Loan loss allowance to noncurrent loans | 24.1754% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 3.5775% | 1,599 |
| Noncurrent loans to loans | 4.9078% | 1,153 |
| Net loans and leases to total assets | 59.6654% | 3,737 |
| Net loans and leases to deposits | 65.6249% | 4,425 |
| Net loans and leases to core deposits | 66.5807% | 4,845 |
| Total domestic deposits to total assets | 90.9188% | 594 |
| Equity capital to assets | 8.8638% | 5,678 |
| Core capital (leverage) ratio | 8.6867% | 5,318 |
| Tier 1 risk-based capital ratio | 13.8709% | 4,553 |
| Total risk-based capital ratio | 15.0343% | 4,603 |
| Memoranda: | ||
| Average total assets | $85,862,500 | 5,317 |
| Average earning assets | $79,132,000 | 5,266 |
| Average equity | $7,741,500 | 5,677 |
| Average total loans | $53,109,000 | 5,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 4,065 |
| Cost of funding earning assets | 1.0794% | 2,810 |
| Net interest margin | 3.6633% | 4,461 |
| Noninterest income to average assets | 0.5778% | 3,310 |
| Noninterest expense to average assets | 3.7020% | 1,534 |
| Loan and lease loss provision to assets | 0.0671% | 5,767 |
| Net operating income to assets | 0.1182% | 5,827 |
| Return on assets (ROA) | 0.1582% | 5,850 |
| Pretax return on assets | 0.2218% | 5,735 |
| Return on Equity (ROE) | 1.7040% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.7040% | 5,000 |
| Net charge-offs to loans | 0.0879% | 5,452 |
| Credit loss provision to net charge-offs | 116.6667% | 2,770 |
| Earnings coverage of net charge-offs (x) | 4.0417% | 3,290 |
| Efficiency ratio | 94.0890% | 918 |
| Assets per employee ($millions) | 2.8255% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,424 |
| Loan loss allowance to noncurrent loans | 34.7826% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 3.7445% | 1,556 |
| Noncurrent loans to loans | 4.7105% | 1,244 |
| Net loans and leases to total assets | 62.3253% | 3,533 |
| Net loans and leases to deposits | 68.9534% | 4,283 |
| Net loans and leases to core deposits | 70.2657% | 4,746 |
| Total domestic deposits to total assets | 90.3875% | 768 |
| Equity capital to assets | 9.1724% | 5,327 |
| Core capital (leverage) ratio | 9.1287% | 4,579 |
| Tier 1 risk-based capital ratio | 13.9081% | 4,393 |
| Total risk-based capital ratio | 15.1639% | 4,346 |
| Memoranda: | ||
| Average total assets | $83,415,200 | 5,358 |
| Average earning assets | $76,434,000 | 5,328 |
| Average equity | $7,746,400 | 5,648 |
| Average total loans | $54,583,000 | 5,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,945 |
| Cost of funding earning assets | 1.1054% | 2,943 |
| Net interest margin | 3.7138% | 4,272 |
| Noninterest income to average assets | 0.7142% | 2,514 |
| Noninterest expense to average assets | 3.6944% | 1,509 |
| Loan and lease loss provision to assets | 0.0658% | 5,634 |
| Net operating income to assets | 0.2407% | 5,591 |
| Return on assets (ROA) | 0.2407% | 5,730 |
| Pretax return on assets | 0.3563% | 5,586 |
| Return on Equity (ROE) | 2.5842% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.5842% | 4,818 |
| Net charge-offs to loans | 0.0511% | 5,469 |
| Credit loss provision to net charge-offs | 195.2381% | 1,499 |
| Earnings coverage of net charge-offs (x) | 12.5236% | 1,699 |
| Efficiency ratio | 89.7466% | 1,185 |
| Assets per employee ($millions) | 2.5941% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,425 |
| Loan loss allowance to noncurrent loans | 51.3529% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 3.0877% | 2,072 |
| Noncurrent loans to loans | 3.2253% | 2,152 |
| Net loans and leases to total assets | 65.8617% | 2,932 |
| Net loans and leases to deposits | 73.3614% | 3,748 |
| Net loans and leases to core deposits | 74.8417% | 4,339 |
| Total domestic deposits to total assets | 89.7770% | 993 |
| Equity capital to assets | 9.7193% | 4,748 |
| Core capital (leverage) ratio | 9.1414% | 4,726 |
| Tier 1 risk-based capital ratio | 14.2413% | 4,167 |
| Total risk-based capital ratio | 15.4955% | 4,128 |
| Memoranda: | ||
| Average total assets | $83,077,750 | 5,405 |
| Average earning assets | $76,109,750 | 5,378 |
| Average equity | $7,739,250 | 5,680 |
| Average total loans | $54,801,250 | 5,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 3,804 |
| Cost of funding earning assets | 1.1257% | 3,067 |
| Net interest margin | 3.7358% | 4,095 |
| Noninterest income to average assets | 0.6789% | 2,660 |
| Noninterest expense to average assets | 3.6230% | 1,696 |
| Loan and lease loss provision to assets | 0.0858% | 5,236 |
| Net operating income to assets | 0.2477% | 5,571 |
| Return on assets (ROA) | 0.2477% | 5,693 |
| Pretax return on assets | 0.3930% | 5,413 |
| Return on Equity (ROE) | 2.6965% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.6965% | 4,576 |
| Net charge-offs to loans | 0.0363% | 5,343 |
| Credit loss provision to net charge-offs | 360.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 20.1000% | 1,197 |
| Efficiency ratio | 88.3275% | 1,382 |
| Assets per employee ($millions) | 2.8626% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,411 |
| Loan loss allowance to noncurrent loans | 73.1270% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2899% | 2,865 |
| Noncurrent loans to loans | 2.2876% | 3,119 |
| Net loans and leases to total assets | 63.5813% | 3,557 |
| Net loans and leases to deposits | 70.5180% | 4,364 |
| Net loans and leases to core deposits | 72.1854% | 4,790 |
| Total domestic deposits to total assets | 90.1632% | 889 |
| Equity capital to assets | 9.3875% | 5,002 |
| Core capital (leverage) ratio | 8.7399% | 5,157 |
| Tier 1 risk-based capital ratio | 14.2053% | 4,013 |
| Total risk-based capital ratio | 15.4623% | 3,980 |
| Memoranda: | ||
| Average total assets | $83,964,670 | 5,429 |
| Average earning assets | $76,931,670 | 5,397 |
| Average equity | $7,713,670 | 5,700 |
| Average total loans | $55,116,330 | 5,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 3,441 |
| Cost of funding earning assets | 1.1500% | 3,158 |
| Net interest margin | 3.7764% | 3,729 |
| Noninterest income to average assets | 0.6253% | 3,002 |
| Noninterest expense to average assets | 3.5955% | 1,781 |
| Loan and lease loss provision to assets | 0.1705% | 3,923 |
| Net operating income to assets | 0.2084% | 5,761 |
| Return on assets (ROA) | 0.2084% | 5,822 |
| Pretax return on assets | 0.3126% | 5,618 |
| Return on Equity (ROE) | 2.2935% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.2935% | 4,777 |
| Net charge-offs to loans | 0.0788% | 4,150 |
| Credit loss provision to net charge-offs | 327.2727% | 993 |
| Earnings coverage of net charge-offs (x) | 9.2727% | 1,738 |
| Efficiency ratio | 88.1533% | 1,497 |
| Assets per employee ($millions) | 2.9524% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,635 |
| Loan loss allowance to noncurrent loans | 154.1237% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8722% | 3,467 |
| Noncurrent loans to loans | 1.0536% | 4,946 |
| Net loans and leases to total assets | 63.4657% | 3,550 |
| Net loans and leases to deposits | 69.9222% | 4,350 |
| Net loans and leases to core deposits | 71.7947% | 4,814 |
| Total domestic deposits to total assets | 90.7663% | 729 |
| Equity capital to assets | 8.9674% | 5,255 |
| Core capital (leverage) ratio | 8.7440% | 5,008 |
| Tier 1 risk-based capital ratio | 13.5806% | 4,368 |
| Total risk-based capital ratio | 14.8361% | 4,336 |
| Memoranda: | ||
| Average total assets | $84,439,500 | 5,455 |
| Average earning assets | $77,216,000 | 5,439 |
| Average equity | $7,674,000 | 5,717 |
| Average total loans | $55,834,500 | 5,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 2,745 |
| Cost of funding earning assets | 1.4915% | 2,697 |
| Net interest margin | 3.8939% | 3,519 |
| Noninterest income to average assets | 0.6199% | 3,341 |
| Noninterest expense to average assets | 3.6569% | 1,794 |
| Loan and lease loss provision to assets | 0.2212% | 5,059 |
| Net operating income to assets | 0.2082% | 5,246 |
| Return on assets (ROA) | 0.2082% | 5,416 |
| Pretax return on assets | 0.3123% | 5,199 |
| Return on Equity (ROE) | 2.3146% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,257 |
| Net charge-offs to loans | 0.0752% | 6,050 |
| Credit loss provision to net charge-offs | 415.5556% | 575 |
| Earnings coverage of net charge-offs (x) | 10.0222% | 1,763 |
| Efficiency ratio | 87.2671% | 1,544 |
| Assets per employee ($millions) | 2.7753% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,798 |
| Loan loss allowance to noncurrent loans | 154.3363% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 2.4478% | 2,828 |
| Noncurrent loans to loans | 1.0012% | 5,060 |
| Net loans and leases to total assets | 66.7323% | 3,292 |
| Net loans and leases to deposits | 73.8064% | 4,227 |
| Net loans and leases to core deposits | 76.1565% | 4,689 |
| Total domestic deposits to total assets | 90.4153% | 879 |
| Equity capital to assets | 9.2123% | 4,822 |
| Core capital (leverage) ratio | 8.8055% | 4,844 |
| Tier 1 risk-based capital ratio | 13.3708% | 4,314 |
| Total risk-based capital ratio | 14.6252% | 4,270 |
| Memoranda: | ||
| Average total assets | $84,525,600 | 5,458 |
| Average earning assets | $77,505,200 | 5,432 |
| Average equity | $7,604,000 | 5,842 |
| Average total loans | $59,814,000 | 5,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,735 |
| Cost of funding earning assets | 1.5524% | 2,658 |
| Net interest margin | 3.8793% | 3,613 |
| Noninterest income to average assets | 0.7433% | 2,559 |
| Noninterest expense to average assets | 3.6820% | 1,609 |
| Loan and lease loss provision to assets | 0.2294% | 4,779 |
| Net operating income to assets | 0.2656% | 5,296 |
| Return on assets (ROA) | 0.2656% | 5,458 |
| Pretax return on assets | 0.3976% | 5,224 |
| Return on Equity (ROE) | 2.9698% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.9698% | 4,358 |
| Net charge-offs to loans | 0.0330% | 6,228 |
| Credit loss provision to net charge-offs | 973.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 26.5995% | 954 |
| Efficiency ratio | 85.4486% | 1,687 |
| Assets per employee ($millions) | 2.6233% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 4,041 |
| Loan loss allowance to noncurrent loans | 105.1282% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 2.3266% | 3,054 |
| Noncurrent loans to loans | 1.4111% | 4,500 |
| Net loans and leases to total assets | 68.1145% | 3,184 |
| Net loans and leases to deposits | 75.8721% | 4,199 |
| Net loans and leases to core deposits | 77.3303% | 4,882 |
| Total domestic deposits to total assets | 89.7753% | 982 |
| Equity capital to assets | 9.2204% | 5,279 |
| Core capital (leverage) ratio | 8.6830% | 5,214 |
| Tier 1 risk-based capital ratio | 13.1613% | 4,447 |
| Total risk-based capital ratio | 14.4156% | 4,427 |
| Memoranda: | ||
| Average total assets | $84,842,500 | 5,510 |
| Average earning assets | $77,985,250 | 5,486 |
| Average equity | $7,587,500 | 5,916 |
| Average total loans | $60,659,500 | 5,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 2,545 |
| Cost of funding earning assets | 1.6261% | 2,507 |
| Net interest margin | 3.8674% | 3,601 |
| Noninterest income to average assets | 0.8222% | 2,007 |
| Noninterest expense to average assets | 3.6457% | 1,672 |
| Loan and lease loss provision to assets | 0.2232% | 4,667 |
| Net operating income to assets | 0.3430% | 5,001 |
| Return on assets (ROA) | 0.3430% | 5,170 |
| Pretax return on assets | 0.5121% | 4,872 |
| Return on Equity (ROE) | 3.8744% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.8744% | 3,621 |
| Net charge-offs to loans | 0.0228% | 6,020 |
| Credit loss provision to net charge-offs | 1,357.1429% | 292 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 662 |
| Efficiency ratio | 83.2172% | 2,015 |
| Assets per employee ($millions) | 2.6185% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,643 |
| Loan loss allowance to noncurrent loans | 100.3681% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 3,593 |
| Noncurrent loans to loans | 1.3522% | 4,685 |
| Net loans and leases to total assets | 70.9546% | 2,670 |
| Net loans and leases to deposits | 79.2142% | 3,754 |
| Net loans and leases to core deposits | 80.4675% | 4,640 |
| Total domestic deposits to total assets | 89.5731% | 1,139 |
| Equity capital to assets | 9.1738% | 5,181 |
| Core capital (leverage) ratio | 8.5815% | 5,269 |
| Tier 1 risk-based capital ratio | 12.8200% | 4,587 |
| Total risk-based capital ratio | 14.0721% | 4,548 |
| Memoranda: | ||
| Average total assets | $85,142,000 | 5,528 |
| Average earning assets | $78,346,670 | 5,497 |
| Average equity | $7,536,670 | 5,954 |
| Average total loans | $61,533,000 | 5,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 2,479 |
| Cost of funding earning assets | 1.7011% | 2,381 |
| Net interest margin | 3.8224% | 3,697 |
| Noninterest income to average assets | 0.7551% | 2,269 |
| Noninterest expense to average assets | 3.6170% | 1,695 |
| Loan and lease loss provision to assets | 0.2051% | 4,448 |
| Net operating income to assets | 0.3030% | 5,291 |
| Return on assets (ROA) | 0.3030% | 5,418 |
| Pretax return on assets | 0.4521% | 5,124 |
| Return on Equity (ROE) | 3.4846% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.4846% | 4,056 |
| Net charge-offs to loans | 0.0386% | 5,039 |
| Credit loss provision to net charge-offs | 733.3333% | 622 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,050 |
| Efficiency ratio | 84.6238% | 1,960 |
| Assets per employee ($millions) | 2.6109% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 5,199 |
| Loan loss allowance to noncurrent loans | 71.3092% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 4,083 |
| Noncurrent loans to loans | 1.7559% | 4,118 |
| Net loans and leases to total assets | 70.2979% | 2,860 |
| Net loans and leases to deposits | 77.7859% | 4,084 |
| Net loans and leases to core deposits | 79.2391% | 4,859 |
| Total domestic deposits to total assets | 90.3736% | 790 |
| Equity capital to assets | 8.7095% | 5,715 |
| Core capital (leverage) ratio | 8.4622% | 5,440 |
| Tier 1 risk-based capital ratio | 12.4349% | 4,808 |
| Total risk-based capital ratio | 13.6864% | 4,755 |
| Memoranda: | ||
| Average total assets | $85,816,500 | 5,579 |
| Average earning assets | $79,007,000 | 5,543 |
| Average equity | $7,461,500 | 6,030 |
| Average total loans | $62,163,000 | 5,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2361% | 1,150 |
| Cost of funding earning assets | 2.0876% | 2,526 |
| Net interest margin | 4.1485% | 2,254 |
| Noninterest income to average assets | 0.8244% | 2,288 |
| Noninterest expense to average assets | 3.6695% | 1,982 |
| Loan and lease loss provision to assets | 0.1430% | 6,212 |
| Net operating income to assets | 0.5721% | 3,435 |
| Return on assets (ROA) | 0.5721% | 3,510 |
| Pretax return on assets | 0.8465% | 3,096 |
| Return on Equity (ROE) | 6.0563% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.6798% | 1,986 |
| Net charge-offs to loans | 0.1792% | 5,523 |
| Credit loss provision to net charge-offs | 101.8519% | 5,424 |
| Earnings coverage of net charge-offs (x) | 7.0463% | 2,233 |
| Efficiency ratio | 78.7608% | 3,080 |
| Assets per employee ($millions) | 2.6711% | 6,909 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,593 |
| Loan loss allowance to noncurrent loans | 63.9229% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 4,212 |
| Noncurrent loans to loans | 1.8130% | 3,910 |
| Net loans and leases to total assets | 72.8409% | 2,545 |
| Net loans and leases to deposits | 81.7489% | 3,655 |
| Net loans and leases to core deposits | 96.6110% | 4,388 |
| Total domestic deposits to total assets | 89.1031% | 1,435 |
| Equity capital to assets | 8.6798% | 5,618 |
| Core capital (leverage) ratio | 8.5353% | 5,225 |
| Tier 1 risk-based capital ratio | 11.8795% | 5,050 |
| Total risk-based capital ratio | 13.0874% | 5,047 |
| Memoranda: | ||
| Average total assets | $76,905,000 | 5,810 |
| Average earning assets | $71,086,000 | 5,778 |
| Average equity | $7,265,200 | 6,184 |
| Average total loans | $60,278,200 | 5,242 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3492% | 1,029 |
| Cost of funding earning assets | 2.1568% | 2,616 |
| Net interest margin | 4.1923% | 2,090 |
| Noninterest income to average assets | 0.8346% | 2,263 |
| Noninterest expense to average assets | 3.7130% | 1,786 |
| Loan and lease loss provision to assets | 0.1427% | 5,929 |
| Net operating income to assets | 0.5760% | 3,700 |
| Return on assets (ROA) | 0.5760% | 3,769 |
| Pretax return on assets | 0.8614% | 3,353 |
| Return on Equity (ROE) | 5.9592% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.1143% | 2,979 |
| Net charge-offs to loans | 0.0358% | 6,401 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 35.1922% | 827 |
| Efficiency ratio | 78.7146% | 3,048 |
| Assets per employee ($millions) | 2.5656% | 7,117 |
| Cash dividends to net income (ytd only)* | 30.9595% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,533 |
| Loan loss allowance to noncurrent loans | 73.9496% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 3,601 |
| Noncurrent loans to loans | 1.7531% | 3,987 |
| Net loans and leases to total assets | 75.8176% | 2,026 |
| Net loans and leases to deposits | 88.1656% | 2,924 |
| Net loans and leases to core deposits | 103.8366% | 3,957 |
| Total domestic deposits to total assets | 85.9945% | 2,706 |
| Equity capital to assets | 9.2490% | 5,093 |
| Core capital (leverage) ratio | 9.1632% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1339% | 4,848 |
| Total risk-based capital ratio | 13.3851% | 4,799 |
| Memoranda: | ||
| Average total assets | $74,762,750 | 5,914 |
| Average earning assets | $69,235,500 | 5,873 |
| Average equity | $7,226,750 | 6,249 |
| Average total loans | $59,600,250 | 5,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4974% | 829 |
| Cost of funding earning assets | 2.2200% | 2,703 |
| Net interest margin | 4.2774% | 1,713 |
| Noninterest income to average assets | 0.8309% | 2,265 |
| Noninterest expense to average assets | 3.6216% | 2,022 |
| Loan and lease loss provision to assets | 0.1640% | 5,419 |
| Net operating income to assets | 0.6669% | 3,404 |
| Return on assets (ROA) | 0.6669% | 3,511 |
| Pretax return on assets | 1.0004% | 3,009 |
| Return on Equity (ROE) | 6.7932% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.0091% | 3,055 |
| Net charge-offs to loans | 0.0305% | 6,036 |
| Credit loss provision to net charge-offs | 666.6667% | 697 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 715 |
| Efficiency ratio | 75.6710% | 3,748 |
| Assets per employee ($millions) | 2.4175% | 7,400 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,358 |
| Loan loss allowance to noncurrent loans | 235.3474% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 5,290 |
| Noncurrent loans to loans | 0.5463% | 6,176 |
| Net loans and leases to total assets | 79.8028% | 1,347 |
| Net loans and leases to deposits | 93.5959% | 2,157 |
| Net loans and leases to core deposits | 111.0379% | 3,250 |
| Total domestic deposits to total assets | 85.2631% | 3,129 |
| Equity capital to assets | 9.6809% | 4,378 |
| Core capital (leverage) ratio | 9.3159% | 4,146 |
| Tier 1 risk-based capital ratio | 12.3985% | 4,600 |
| Total risk-based capital ratio | 13.6498% | 4,530 |
| Memoranda: | ||
| Average total assets | $73,172,670 | 5,999 |
| Average earning assets | $67,658,330 | 5,957 |
| Average equity | $7,183,670 | 6,307 |
| Average total loans | $59,103,000 | 5,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2861% | 1,339 |
| Cost of funding earning assets | 2.2711% | 2,836 |
| Net interest margin | 4.0150% | 2,587 |
| Noninterest income to average assets | 0.7525% | 2,582 |
| Noninterest expense to average assets | 3.6465% | 1,763 |
| Loan and lease loss provision to assets | 0.1660% | 4,804 |
| Net operating income to assets | 0.4316% | 4,734 |
| Return on assets (ROA) | 0.4316% | 4,912 |
| Pretax return on assets | 0.6474% | 4,595 |
| Return on Equity (ROE) | 4.3649% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.3649% | 3,490 |
| Net charge-offs to loans | 0.0343% | 5,034 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 1,072 |
| Efficiency ratio | 81.7618% | 2,567 |
| Assets per employee ($millions) | 2.5271% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,238 |
| Loan loss allowance to noncurrent loans | 192.5831% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 4,023 |
| Noncurrent loans to loans | 0.6622% | 5,745 |
| Net loans and leases to total assets | 76.8862% | 2,070 |
| Net loans and leases to deposits | 89.8579% | 2,953 |
| Net loans and leases to core deposits | 107.0643% | 3,786 |
| Total domestic deposits to total assets | 85.5643% | 2,937 |
| Equity capital to assets | 9.4563% | 4,736 |
| Core capital (leverage) ratio | 9.4813% | 4,009 |
| Tier 1 risk-based capital ratio | 12.3193% | 4,688 |
| Total risk-based capital ratio | 13.5697% | 4,607 |
| Memoranda: | ||
| Average total assets | $72,288,500 | 6,056 |
| Average earning assets | $66,750,500 | 6,013 |
| Average equity | $7,148,000 | 6,355 |
| Average total loans | $58,362,500 | 5,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1525% | 810 |
| Cost of funding earning assets | 2.4160% | 4,648 |
| Net interest margin | 4.7365% | 893 |
| Noninterest income to average assets | 0.8573% | 2,180 |
| Noninterest expense to average assets | 3.9050% | 1,549 |
| Loan and lease loss provision to assets | 0.1159% | 5,895 |
| Net operating income to assets | 0.8032% | 3,423 |
| Return on assets (ROA) | 0.8032% | 3,258 |
| Pretax return on assets | 1.2033% | 2,626 |
| Return on Equity (ROE) | 7.4859% | 3,288 |
| Retained earnings to average equity (ytd only) | 4.6067% | 2,260 |
| Net charge-offs to loans | 0.0710% | 5,753 |
| Credit loss provision to net charge-offs | 202.7027% | 2,397 |
| Earnings coverage of net charge-offs (x) | 23.0811% | 1,435 |
| Efficiency ratio | 74.7487% | 3,451 |
| Assets per employee ($millions) | 2.2922% | 7,575 |
| Cash dividends to net income (ytd only)* | 38.4615% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,036 |
| Loan loss allowance to noncurrent loans | 94.9153% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 3,238 |
| Noncurrent loans to loans | 1.3297% | 3,852 |
| Net loans and leases to total assets | 82.8256% | 1,074 |
| Net loans and leases to deposits | 98.7962% | 2,012 |
| Net loans and leases to core deposits | 116.1825% | 3,104 |
| Total domestic deposits to total assets | 83.8348% | 3,407 |
| Equity capital to assets | 10.3643% | 3,653 |
| Core capital (leverage) ratio | 10.0554% | 3,396 |
| Tier 1 risk-based capital ratio | 12.9124% | 4,157 |
| Total risk-based capital ratio | 14.1639% | 4,077 |
| Memoranda: | ||
| Average total assets | $64,737,800 | 6,201 |
| Average earning assets | $59,685,200 | 6,182 |
| Average equity | $6,946,400 | 6,476 |
| Average total loans | $52,122,200 | 5,616 |