Home > Farmers National Bank of Kansas > Performance and Condition Ratios
Farmers National Bank of Kansas, Performance and Condition Ratios
| 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 | 4.8930% | 2,035 |
| Cost of funding earning assets | 0.7191% | 3,602 |
| Net interest margin | 4.1739% | 1,813 |
| Noninterest income to average assets | 0.4083% | 4,571 |
| Noninterest expense to average assets | 2.9346% | 3,461 |
| Loan and lease loss provision to assets | 0.0160% | 5,611 |
| Net operating income to assets | 0.7942% | 3,480 |
| Return on assets (ROA) | 0.7942% | 3,722 |
| Pretax return on assets | 1.2344% | 2,853 |
| Return on Equity (ROE) | 8.3519% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.3519% | 1,461 |
| Net charge-offs to loans | 0.0134% | 5,514 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 130.6625% | 335 |
| Efficiency ratio | 70.1220% | 3,669 |
| Assets per employee ($millions) | 3.7417% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,834 |
| Loan loss allowance to noncurrent loans | 10,800.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 4,991 |
| Noncurrent loans to loans | 0.0099% | 6,643 |
| Net loans and leases to total assets | 72.9318% | 1,404 |
| Net loans and leases to deposits | 81.2505% | 2,218 |
| Net loans and leases to core deposits | 88.7660% | 2,128 |
| Total domestic deposits to total assets | 89.7617% | 965 |
| Equity capital to assets | 9.9638% | 4,547 |
| Core capital (leverage) ratio | 9.7984% | 3,819 |
| Tier 1 risk-based capital ratio | 14.1921% | 4,386 |
| Total risk-based capital ratio | 15.3211% | 4,435 |
| Memoranda: | ||
| Average total assets | $41,799,250 | 6,511 |
| Average earning assets | $37,821,500 | 6,518 |
| Average equity | $3,975,000 | 6,652 |
| Average total loans | $29,931,250 | 6,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 2,058 |
| Cost of funding earning assets | 0.7602% | 3,516 |
| Net interest margin | 4.1520% | 1,894 |
| Noninterest income to average assets | 0.4046% | 4,616 |
| Noninterest expense to average assets | 2.8753% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7902% | 3,431 |
| Return on assets (ROA) | 0.7902% | 3,687 |
| Pretax return on assets | 1.2472% | 2,734 |
| Return on Equity (ROE) | 8.4414% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.4414% | 1,466 |
| Net charge-offs to loans | -0.0134% | 6,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7460% | 3,807 |
| Assets per employee ($millions) | 3.7657% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,819 |
| Loan loss allowance to noncurrent loans | 128.0632% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 3,873 |
| Noncurrent loans to loans | 0.8515% | 4,815 |
| Net loans and leases to total assets | 70.9461% | 1,742 |
| Net loans and leases to deposits | 78.7713% | 2,552 |
| Net loans and leases to core deposits | 87.3447% | 2,274 |
| Total domestic deposits to total assets | 90.0659% | 887 |
| Equity capital to assets | 9.7072% | 4,750 |
| Core capital (leverage) ratio | 9.6121% | 3,979 |
| Tier 1 risk-based capital ratio | 14.1249% | 4,356 |
| Total risk-based capital ratio | 15.2719% | 4,394 |
| Memoranda: | ||
| Average total assets | $42,012,670 | 6,547 |
| Average earning assets | $37,620,000 | 6,571 |
| Average equity | $3,933,000 | 6,704 |
| Average total loans | $29,794,330 | 6,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 1,714 |
| Cost of funding earning assets | 0.8075% | 3,414 |
| Net interest margin | 4.2446% | 1,625 |
| Noninterest income to average assets | 0.3782% | 4,837 |
| Noninterest expense to average assets | 2.8931% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7375% | 3,695 |
| Return on assets (ROA) | 0.7375% | 3,930 |
| Pretax return on assets | 1.1629% | 3,060 |
| Return on Equity (ROE) | 8.0226% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.0226% | 1,975 |
| Net charge-offs to loans | -0.0134% | 6,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3287% | 3,565 |
| Assets per employee ($millions) | 3.9165% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,965 |
| Loan loss allowance to noncurrent loans | 566.6667% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 4,999 |
| Noncurrent loans to loans | 0.1906% | 6,300 |
| Net loans and leases to total assets | 68.6706% | 1,995 |
| Net loans and leases to deposits | 75.7321% | 2,837 |
| Net loans and leases to core deposits | 83.6652% | 2,588 |
| Total domestic deposits to total assets | 90.6757% | 704 |
| Equity capital to assets | 9.1177% | 5,331 |
| Core capital (leverage) ratio | 9.3938% | 4,201 |
| Tier 1 risk-based capital ratio | 13.5430% | 4,798 |
| Total risk-based capital ratio | 14.6640% | 4,880 |
| Memoranda: | ||
| Average total assets | $42,307,500 | 6,587 |
| Average earning assets | $36,658,500 | 6,656 |
| Average equity | $3,889,000 | 6,751 |
| Average total loans | $29,835,500 | 6,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 1,949 |
| Cost of funding earning assets | 1.0263% | 3,185 |
| Net interest margin | 4.2024% | 2,049 |
| Noninterest income to average assets | 0.4245% | 4,410 |
| Noninterest expense to average assets | 2.9939% | 3,616 |
| Loan and lease loss provision to assets | 0.0982% | 5,364 |
| Net operating income to assets | 0.7337% | 3,323 |
| Return on assets (ROA) | 0.7337% | 3,498 |
| Pretax return on assets | 1.1509% | 2,642 |
| Return on Equity (ROE) | 7.9382% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.2302% | 2,492 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5610% | 3,835 |
| Assets per employee ($millions) | 3.7758% | 4,378 |
| Cash dividends to net income (ytd only)* | 34.1137% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,878 |
| Loan loss allowance to noncurrent loans | 2,146.6667% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 5,239 |
| Noncurrent loans to loans | 0.0504% | 6,696 |
| Net loans and leases to total assets | 70.8865% | 1,847 |
| Net loans and leases to deposits | 78.2075% | 2,802 |
| Net loans and leases to core deposits | 86.8111% | 2,526 |
| Total domestic deposits to total assets | 90.6390% | 651 |
| Equity capital to assets | 9.2695% | 5,183 |
| Core capital (leverage) ratio | 9.1304% | 4,575 |
| Tier 1 risk-based capital ratio | 13.5096% | 4,688 |
| Total risk-based capital ratio | 14.6478% | 4,743 |
| Memoranda: | ||
| Average total assets | $40,750,200 | 6,647 |
| Average earning assets | $37,026,200 | 6,641 |
| Average equity | $3,766,600 | 6,812 |
| Average total loans | $30,184,000 | 6,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 2,193 |
| Cost of funding earning assets | 1.0636% | 3,220 |
| Net interest margin | 4.1397% | 2,310 |
| Noninterest income to average assets | 0.4077% | 4,612 |
| Noninterest expense to average assets | 2.9787% | 3,638 |
| Loan and lease loss provision to assets | 0.1315% | 4,785 |
| Net operating income to assets | 0.7003% | 3,621 |
| Return on assets (ROA) | 0.7003% | 3,787 |
| Pretax return on assets | 1.0981% | 3,024 |
| Return on Equity (ROE) | 7.5817% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.5817% | 1,670 |
| Net charge-offs to loans | 0.0881% | 5,094 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 18.6970% | 1,292 |
| Efficiency ratio | 70.7813% | 3,792 |
| Assets per employee ($millions) | 3.7413% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 6,353 |
| Loan loss allowance to noncurrent loans | 328.2609% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 4,947 |
| Noncurrent loans to loans | 0.2987% | 6,251 |
| Net loans and leases to total assets | 74.1167% | 1,316 |
| Net loans and leases to deposits | 81.9792% | 2,361 |
| Net loans and leases to core deposits | 91.1024% | 2,107 |
| Total domestic deposits to total assets | 90.4092% | 673 |
| Equity capital to assets | 9.4183% | 5,214 |
| Core capital (leverage) ratio | 9.2484% | 4,545 |
| Tier 1 risk-based capital ratio | 13.0823% | 5,036 |
| Total risk-based capital ratio | 14.1114% | 5,174 |
| Memoranda: | ||
| Average total assets | $40,554,250 | 6,712 |
| Average earning assets | $37,231,500 | 6,694 |
| Average equity | $3,745,750 | 6,870 |
| Average total loans | $30,289,000 | 6,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 2,229 |
| Cost of funding earning assets | 1.1222% | 3,088 |
| Net interest margin | 4.0856% | 2,467 |
| Noninterest income to average assets | 0.3816% | 4,829 |
| Noninterest expense to average assets | 2.9439% | 3,848 |
| Loan and lease loss provision to assets | 0.1982% | 3,946 |
| Net operating income to assets | 0.6096% | 4,014 |
| Return on assets (ROA) | 0.6096% | 4,144 |
| Pretax return on assets | 0.9565% | 3,401 |
| Return on Equity (ROE) | 6.6445% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.6445% | 2,055 |
| Net charge-offs to loans | 0.1328% | 4,413 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 11.6500% | 1,696 |
| Efficiency ratio | 71.8259% | 3,774 |
| Assets per employee ($millions) | 3.8329% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,436 |
| Loan loss allowance to noncurrent loans | 230.5344% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 4,002 |
| Noncurrent loans to loans | 0.4225% | 6,054 |
| Net loans and leases to total assets | 72.8215% | 1,630 |
| Net loans and leases to deposits | 80.1185% | 2,771 |
| Net loans and leases to core deposits | 88.9839% | 2,499 |
| Total domestic deposits to total assets | 90.8923% | 545 |
| Equity capital to assets | 8.9630% | 5,637 |
| Core capital (leverage) ratio | 8.8058% | 5,035 |
| Tier 1 risk-based capital ratio | 12.5238% | 5,319 |
| Total risk-based capital ratio | 13.5327% | 5,521 |
| Memoranda: | ||
| Average total assets | $40,354,330 | 6,777 |
| Average earning assets | $36,714,330 | 6,771 |
| Average equity | $3,702,330 | 6,929 |
| Average total loans | $30,117,330 | 6,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 1,996 |
| Cost of funding earning assets | 1.1476% | 3,172 |
| Net interest margin | 4.1160% | 2,211 |
| Noninterest income to average assets | 0.3650% | 4,991 |
| Noninterest expense to average assets | 3.0519% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6996% | 3,517 |
| Return on assets (ROA) | 0.6996% | 3,582 |
| Pretax return on assets | 1.0950% | 2,774 |
| Return on Equity (ROE) | 7.5328% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.5328% | 1,923 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5941% | 3,594 |
| Assets per employee ($millions) | 3.7776% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,570 |
| Loan loss allowance to noncurrent loans | 82.2157% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 3,299 |
| Noncurrent loans to loans | 1.1482% | 4,776 |
| Net loans and leases to total assets | 71.2134% | 1,881 |
| Net loans and leases to deposits | 78.3500% | 2,999 |
| Net loans and leases to core deposits | 85.5161% | 2,952 |
| Total domestic deposits to total assets | 90.8914% | 681 |
| Equity capital to assets | 8.9017% | 5,341 |
| Core capital (leverage) ratio | 9.4378% | 3,902 |
| Tier 1 risk-based capital ratio | 12.8183% | 4,963 |
| Total risk-based capital ratio | 13.7966% | 5,201 |
| Memoranda: | ||
| Average total assets | $39,450,500 | 6,852 |
| Average earning assets | $36,249,000 | 6,837 |
| Average equity | $3,664,000 | 6,967 |
| Average total loans | $29,673,500 | 6,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 1,641 |
| Cost of funding earning assets | 1.3940% | 3,306 |
| Net interest margin | 4.2862% | 1,876 |
| Noninterest income to average assets | 0.4618% | 4,429 |
| Noninterest expense to average assets | 3.2270% | 2,990 |
| Loan and lease loss provision to assets | 0.0825% | 6,326 |
| Net operating income to assets | 0.7752% | 2,898 |
| Return on assets (ROA) | 0.7752% | 3,028 |
| Pretax return on assets | 1.2177% | 2,168 |
| Return on Equity (ROE) | 7.9571% | 2,708 |
| Retained earnings to average equity (ytd only) | 6.0384% | 1,795 |
| Net charge-offs to loans | 0.1526% | 5,436 |
| Credit loss provision to net charge-offs | 66.6667% | 5,941 |
| Earnings coverage of net charge-offs (x) | 10.5111% | 1,695 |
| Efficiency ratio | 71.2811% | 3,938 |
| Assets per employee ($millions) | 2.8728% | 6,394 |
| Cash dividends to net income (ytd only)* | 24.1135% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 6,548 |
| Loan loss allowance to noncurrent loans | 241.0256% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 3,845 |
| Noncurrent loans to loans | 0.3970% | 6,254 |
| Net loans and leases to total assets | 78.1616% | 919 |
| Net loans and leases to deposits | 86.7927% | 1,967 |
| Net loans and leases to core deposits | 91.8245% | 2,522 |
| Total domestic deposits to total assets | 90.0554% | 1,063 |
| Equity capital to assets | 9.7170% | 4,097 |
| Core capital (leverage) ratio | 9.6864% | 3,445 |
| Tier 1 risk-based capital ratio | 13.0544% | 4,560 |
| Total risk-based capital ratio | 14.0697% | 4,728 |
| Memoranda: | ||
| Average total assets | $36,380,000 | 6,996 |
| Average earning assets | $34,506,200 | 6,934 |
| Average equity | $3,544,000 | 7,123 |
| Average total loans | $29,495,400 | 6,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 1,802 |
| Cost of funding earning assets | 1.4173% | 3,473 |
| Net interest margin | 4.2558% | 2,010 |
| Noninterest income to average assets | 0.4649% | 4,453 |
| Noninterest expense to average assets | 3.2504% | 2,739 |
| Loan and lease loss provision to assets | 0.1107% | 5,924 |
| Net operating income to assets | 0.7453% | 3,227 |
| Return on assets (ROA) | 0.7453% | 3,390 |
| Pretax return on assets | 1.1696% | 2,601 |
| Return on Equity (ROE) | 7.6454% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.6454% | 1,538 |
| Net charge-offs to loans | -0.0091% | 7,261 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7427% | 3,754 |
| Assets per employee ($millions) | 2.8173% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,972 |
| Loan loss allowance to noncurrent loans | 26.7755% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 3.3447% | 2,130 |
| Noncurrent loans to loans | 4.0786% | 1,824 |
| Net loans and leases to total assets | 81.1113% | 608 |
| Net loans and leases to deposits | 90.3662% | 1,673 |
| Net loans and leases to core deposits | 97.9847% | 2,045 |
| Total domestic deposits to total assets | 89.7584% | 993 |
| Equity capital to assets | 9.9003% | 4,289 |
| Core capital (leverage) ratio | 9.9288% | 3,320 |
| Tier 1 risk-based capital ratio | 13.3044% | 4,353 |
| Total risk-based capital ratio | 14.5119% | 4,347 |
| Memoranda: | ||
| Average total assets | $36,138,250 | 7,091 |
| Average earning assets | $34,524,500 | 7,010 |
| Average equity | $3,522,750 | 7,219 |
| Average total loans | $29,501,000 | 6,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 1,872 |
| Cost of funding earning assets | 1.4334% | 3,654 |
| Net interest margin | 4.2360% | 2,036 |
| Noninterest income to average assets | 0.4503% | 4,511 |
| Noninterest expense to average assets | 3.1521% | 3,085 |
| Loan and lease loss provision to assets | 0.1668% | 5,215 |
| Net operating income to assets | 0.7616% | 3,143 |
| Return on assets (ROA) | 0.7616% | 3,296 |
| Pretax return on assets | 1.1730% | 2,504 |
| Return on Equity (ROE) | 7.8548% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.8548% | 1,492 |
| Net charge-offs to loans | -0.0136% | 7,240 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1733% | 4,158 |
| Assets per employee ($millions) | 2.7869% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 6,049 |
| Loan loss allowance to noncurrent loans | 26.7101% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 3.3895% | 2,073 |
| Noncurrent loans to loans | 4.0332% | 1,871 |
| Net loans and leases to total assets | 83.1328% | 422 |
| Net loans and leases to deposits | 93.6420% | 1,322 |
| Net loans and leases to core deposits | 101.7087% | 1,852 |
| Total domestic deposits to total assets | 88.7773% | 1,556 |
| Equity capital to assets | 9.8206% | 4,241 |
| Core capital (leverage) ratio | 9.8082% | 3,390 |
| Tier 1 risk-based capital ratio | 13.0858% | 4,370 |
| Total risk-based capital ratio | 14.2952% | 4,356 |
| Memoranda: | ||
| Average total assets | $35,976,000 | 7,146 |
| Average earning assets | $34,325,000 | 7,070 |
| Average equity | $3,488,330 | 7,266 |
| Average total loans | $29,323,000 | 6,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8842% | 1,235 |
| Cost of funding earning assets | 1.4535% | 3,848 |
| Net interest margin | 4.4308% | 1,294 |
| Noninterest income to average assets | 0.4686% | 4,310 |
| Noninterest expense to average assets | 3.1019% | 3,259 |
| Loan and lease loss provision to assets | 0.3347% | 3,384 |
| Net operating income to assets | 0.7922% | 3,003 |
| Return on assets (ROA) | 0.7922% | 3,115 |
| Pretax return on assets | 1.2497% | 2,205 |
| Return on Equity (ROE) | 8.2235% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.2235% | 1,613 |
| Net charge-offs to loans | -0.0139% | 6,983 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1905% | 5,076 |
| Assets per employee ($millions) | 2.7856% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,830 |
| Loan loss allowance to noncurrent loans | 1,721.0526% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,358 |
| Noncurrent loans to loans | 0.0661% | 7,234 |
| Net loans and leases to total assets | 78.4718% | 1,065 |
| Net loans and leases to deposits | 87.3268% | 2,350 |
| Net loans and leases to core deposits | 94.7518% | 2,738 |
| Total domestic deposits to total assets | 89.8600% | 1,063 |
| Equity capital to assets | 9.6291% | 4,334 |
| Core capital (leverage) ratio | 9.6529% | 3,577 |
| Tier 1 risk-based capital ratio | 13.6453% | 3,897 |
| Total risk-based capital ratio | 14.8954% | 3,857 |
| Memoranda: | ||
| Average total assets | $35,849,000 | 7,241 |
| Average earning assets | $34,125,000 | 7,157 |
| Average equity | $3,453,500 | 7,359 |
| Average total loans | $28,761,000 | 6,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3599% | 914 |
| Cost of funding earning assets | 1.9383% | 3,257 |
| Net interest margin | 4.4216% | 1,376 |
| Noninterest income to average assets | 0.5254% | 4,212 |
| Noninterest expense to average assets | 3.4034% | 2,672 |
| Loan and lease loss provision to assets | 0.1194% | 6,451 |
| Net operating income to assets | 0.7732% | 2,626 |
| Return on assets (ROA) | 0.7732% | 2,721 |
| Pretax return on assets | 1.2180% | 1,906 |
| Return on Equity (ROE) | 7.8566% | 2,432 |
| Retained earnings to average equity (ytd only) | 6.8252% | 1,025 |
| Net charge-offs to loans | -0.0107% | 7,753 |
| Credit loss provision to net charge-offs | -1,333.3333% | 7,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7884% | 4,296 |
| Assets per employee ($millions) | 3.2259% | 5,663 |
| Cash dividends to net income (ytd only)* | 13.1274% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,224 |
| Loan loss allowance to noncurrent loans | 2,466.6667% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,434 |
| Noncurrent loans to loans | 0.0417% | 7,327 |
| Net loans and leases to total assets | 80.2649% | 945 |
| Net loans and leases to deposits | 89.4844% | 2,306 |
| Net loans and leases to core deposits | 128.1991% | 1,382 |
| Total domestic deposits to total assets | 89.6971% | 1,110 |
| Equity capital to assets | 9.6379% | 4,229 |
| Core capital (leverage) ratio | 9.7894% | 3,334 |
| Tier 1 risk-based capital ratio | 13.4051% | 3,879 |
| Total risk-based capital ratio | 14.5680% | 3,880 |
| Memoranda: | ||
| Average total assets | $33,496,400 | 7,348 |
| Average earning assets | $31,934,400 | 7,267 |
| Average equity | $3,296,600 | 7,503 |
| Average total loans | $28,147,000 | 6,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3961% | 932 |
| Cost of funding earning assets | 2.0123% | 3,287 |
| Net interest margin | 4.3839% | 1,483 |
| Noninterest income to average assets | 0.4808% | 4,661 |
| Noninterest expense to average assets | 3.4141% | 2,536 |
| Loan and lease loss provision to assets | 0.0808% | 6,559 |
| Net operating income to assets | 0.7475% | 3,034 |
| Return on assets (ROA) | 0.7475% | 3,092 |
| Pretax return on assets | 1.1758% | 2,337 |
| Return on Equity (ROE) | 7.5529% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.1649% | 1,871 |
| Net charge-offs to loans | -0.0095% | 7,677 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0969% | 4,040 |
| Assets per employee ($millions) | 3.0192% | 6,110 |
| Cash dividends to net income (ytd only)* | 18.3775% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,552 |
| Loan loss allowance to noncurrent loans | 178.5714% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 6,305 |
| Noncurrent loans to loans | 0.5313% | 6,247 |
| Net loans and leases to total assets | 86.4533% | 316 |
| Net loans and leases to deposits | 97.0754% | 1,430 |
| Net loans and leases to core deposits | 135.0772% | 1,148 |
| Total domestic deposits to total assets | 89.0578% | 1,170 |
| Equity capital to assets | 10.0720% | 3,997 |
| Core capital (leverage) ratio | 9.8944% | 3,406 |
| Tier 1 risk-based capital ratio | 13.1856% | 4,062 |
| Total risk-based capital ratio | 14.2722% | 4,111 |
| Memoranda: | ||
| Average total assets | $32,999,250 | 7,426 |
| Average earning assets | $31,539,000 | 7,348 |
| Average equity | $3,265,750 | 7,581 |
| Average total loans | $27,989,250 | 6,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3214% | 1,155 |
| Cost of funding earning assets | 2.0796% | 3,369 |
| Net interest margin | 4.2418% | 1,844 |
| Noninterest income to average assets | 0.4495% | 4,849 |
| Noninterest expense to average assets | 3.3891% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7046% | 3,232 |
| Return on assets (ROA) | 0.7046% | 3,335 |
| Pretax return on assets | 1.1115% | 2,598 |
| Return on Equity (ROE) | 7.1620% | 3,126 |
| Retained earnings to average equity (ytd only) | 5.0628% | 2,477 |
| Net charge-offs to loans | -0.0072% | 7,575 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3036% | 3,825 |
| Assets per employee ($millions) | 2.9933% | 6,152 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,771 |
| Loan loss allowance to noncurrent loans | 181.4286% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,398 |
| Noncurrent loans to loans | 0.4958% | 6,285 |
| Net loans and leases to total assets | 84.9845% | 510 |
| Net loans and leases to deposits | 95.1380% | 1,927 |
| Net loans and leases to core deposits | 132.1776% | 1,423 |
| Total domestic deposits to total assets | 89.3276% | 1,109 |
| Equity capital to assets | 9.9435% | 4,027 |
| Core capital (leverage) ratio | 9.7763% | 3,546 |
| Tier 1 risk-based capital ratio | 13.2606% | 3,967 |
| Total risk-based capital ratio | 14.2909% | 4,039 |
| Memoranda: | ||
| Average total assets | $32,928,670 | 7,491 |
| Average earning assets | $31,448,670 | 7,418 |
| Average equity | $3,239,330 | 7,652 |
| Average total loans | $27,656,670 | 6,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3412% | 1,189 |
| Cost of funding earning assets | 2.2073% | 3,129 |
| Net interest margin | 4.1339% | 2,148 |
| Noninterest income to average assets | 0.4130% | 5,110 |
| Noninterest expense to average assets | 3.3161% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6559% | 3,772 |
| Return on assets (ROA) | 0.6559% | 3,953 |
| Pretax return on assets | 1.0325% | 3,238 |
| Return on Equity (ROE) | 6.7039% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.7039% | 2,329 |
| Net charge-offs to loans | -0.0146% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2570% | 3,444 |
| Assets per employee ($millions) | 3.0220% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 6,590 |
| Loan loss allowance to noncurrent loans | 201.5873% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 6,367 |
| Noncurrent loans to loans | 0.4627% | 6,258 |
| Net loans and leases to total assets | 81.1534% | 1,173 |
| Net loans and leases to deposits | 90.8316% | 2,805 |
| Net loans and leases to core deposits | 126.0078% | 1,918 |
| Total domestic deposits to total assets | 89.3448% | 1,080 |
| Equity capital to assets | 9.7738% | 4,273 |
| Core capital (leverage) ratio | 9.8397% | 3,590 |
| Tier 1 risk-based capital ratio | 13.4348% | 3,910 |
| Total risk-based capital ratio | 14.4876% | 3,949 |
| Memoranda: | ||
| Average total assets | $32,930,000 | 7,534 |
| Average earning assets | $31,350,500 | 7,459 |
| Average equity | $3,222,000 | 7,711 |
| Average total loans | $27,367,000 | 6,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9328% | 1,299 |
| Cost of funding earning assets | 2.8784% | 2,359 |
| Net interest margin | 4.0543% | 2,899 |
| Noninterest income to average assets | 0.5692% | 4,086 |
| Noninterest expense to average assets | 3.2466% | 3,161 |
| Loan and lease loss provision to assets | 0.0626% | 6,620 |
| Net operating income to assets | 0.6909% | 3,933 |
| Return on assets (ROA) | 0.7069% | 3,698 |
| Pretax return on assets | 1.1135% | 2,980 |
| Return on Equity (ROE) | 7.3111% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.6612% | 1,687 |
| Net charge-offs to loans | -0.0374% | 7,998 |
| Credit loss provision to net charge-offs | -200.0000% | 7,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8265% | 3,612 |
| Assets per employee ($millions) | 2.9653% | 6,136 |
| Cash dividends to net income (ytd only)* | 22.5664% | 4,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,567 |
| Loan loss allowance to noncurrent loans | 389.2308% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 6,771 |
| Noncurrent loans to loans | 0.2363% | 6,675 |
| Net loans and leases to total assets | 83.5428% | 959 |
| Net loans and leases to deposits | 93.5719% | 2,842 |
| Net loans and leases to core deposits | 132.4552% | 1,693 |
| Total domestic deposits to total assets | 89.2820% | 928 |
| Equity capital to assets | 9.7952% | 4,294 |
| Core capital (leverage) ratio | 9.6233% | 3,854 |
| Tier 1 risk-based capital ratio | 13.1707% | 4,015 |
| Total risk-based capital ratio | 14.2166% | 4,052 |
| Memoranda: | ||
| Average total assets | $31,972,000 | 7,564 |
| Average earning assets | $30,190,000 | 7,502 |
| Average equity | $3,091,200 | 7,811 |
| Average total loans | $26,758,400 | 6,917 |