Home > Farmers State Bank of Fulton County > Performance and Condition Ratios
Farmers State Bank of Fulton County, 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 | 4.3201% | 5,886 |
| Cost of funding earning assets | 0.8353% | 4,901 |
| Net interest margin | 3.4848% | 5,246 |
| Noninterest income to average assets | 0.3238% | 5,280 |
| Noninterest expense to average assets | 1.8413% | 6,936 |
| Loan and lease loss provision to assets | 0.0042% | 6,366 |
| Net operating income to assets | 1.5450% | 860 |
| Return on assets (ROA) | 1.5450% | 932 |
| Pretax return on assets | 1.5599% | 1,488 |
| Return on Equity (ROE) | 14.6721% | 903 |
| Retained earnings to average equity (ytd only) | -5.1855% | 6,604 |
| Net charge-offs to loans | 0.0078% | 6,058 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 369.0300% | 99 |
| Efficiency ratio | 54.0709% | 6,477 |
| Assets per employee ($millions) | 4.8012% | 2,470 |
| Cash dividends to net income (ytd only)* | 135.3423% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 4,558 |
| Loan loss allowance to noncurrent loans | 440.3670% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 6,611 |
| Noncurrent loans to loans | 0.3182% | 6,212 |
| Net loans and leases to total assets | 54.1072% | 5,144 |
| Net loans and leases to deposits | 60.5769% | 5,570 |
| Net loans and leases to core deposits | 61.6315% | 5,849 |
| Total domestic deposits to total assets | 89.3199% | 1,239 |
| Equity capital to assets | 10.4222% | 3,797 |
| Core capital (leverage) ratio | 10.1027% | 3,299 |
| Tier 1 risk-based capital ratio | 17.8650% | 2,302 |
| Total risk-based capital ratio | 19.1146% | 2,268 |
| Memoranda: | ||
| Average total assets | $62,995,750 | 6,005 |
| Average earning assets | $55,707,250 | 6,044 |
| Average equity | $6,633,750 | 6,018 |
| Average total loans | $34,416,500 | 5,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 6,052 |
| Cost of funding earning assets | 0.8394% | 5,129 |
| Net interest margin | 3.4503% | 5,367 |
| Noninterest income to average assets | 0.3070% | 5,441 |
| Noninterest expense to average assets | 1.9307% | 6,904 |
| Loan and lease loss provision to assets | 0.0063% | 6,177 |
| Net operating income to assets | 1.4275% | 1,029 |
| Return on assets (ROA) | 1.4275% | 1,092 |
| Pretax return on assets | 1.4401% | 1,693 |
| Return on Equity (ROE) | 13.5097% | 1,085 |
| Retained earnings to average equity (ytd only) | -3.0255% | 6,375 |
| Net charge-offs to loans | 0.0116% | 5,689 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 159 |
| Efficiency ratio | 57.1696% | 6,274 |
| Assets per employee ($millions) | 4.3762% | 3,034 |
| Cash dividends to net income (ytd only)* | 122.3947% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,527 |
| Loan loss allowance to noncurrent loans | 457.1429% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,693 |
| Noncurrent loans to loans | 0.3082% | 6,305 |
| Net loans and leases to total assets | 51.1692% | 5,670 |
| Net loans and leases to deposits | 59.6427% | 5,762 |
| Net loans and leases to core deposits | 60.9457% | 6,008 |
| Total domestic deposits to total assets | 85.7928% | 3,448 |
| Equity capital to assets | 10.1488% | 3,949 |
| Core capital (leverage) ratio | 10.4417% | 2,769 |
| Tier 1 risk-based capital ratio | 18.0410% | 2,160 |
| Total risk-based capital ratio | 19.2867% | 2,118 |
| Memoranda: | ||
| Average total assets | $63,189,330 | 6,043 |
| Average earning assets | $56,227,330 | 6,075 |
| Average equity | $6,676,670 | 6,022 |
| Average total loans | $34,471,670 | 6,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 6,120 |
| Cost of funding earning assets | 0.8581% | 5,226 |
| Net interest margin | 3.4039% | 5,419 |
| Noninterest income to average assets | 0.3228% | 5,345 |
| Noninterest expense to average assets | 1.9044% | 6,980 |
| Loan and lease loss provision to assets | 0.0129% | 5,754 |
| Net operating income to assets | 1.4654% | 946 |
| Return on assets (ROA) | 1.4654% | 986 |
| Pretax return on assets | 1.4783% | 1,508 |
| Return on Equity (ROE) | 13.5847% | 1,069 |
| Retained earnings to average equity (ytd only) | -9.4554% | 6,841 |
| Net charge-offs to loans | 0.0231% | 4,761 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 286 |
| Efficiency ratio | 56.0837% | 6,494 |
| Assets per employee ($millions) | 4.3289% | 3,184 |
| Cash dividends to net income (ytd only)* | 169.6035% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 4,546 |
| Loan loss allowance to noncurrent loans | 444.4444% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 6,711 |
| Noncurrent loans to loans | 0.3206% | 6,351 |
| Net loans and leases to total assets | 54.7942% | 5,193 |
| Net loans and leases to deposits | 61.6779% | 5,546 |
| Net loans and leases to core deposits | 64.5041% | 5,679 |
| Total domestic deposits to total assets | 88.8392% | 1,874 |
| Equity capital to assets | 10.8984% | 2,776 |
| Core capital (leverage) ratio | 10.5768% | 2,531 |
| Tier 1 risk-based capital ratio | 18.7450% | 1,886 |
| Total risk-based capital ratio | 19.9938% | 1,839 |
| Memoranda: | ||
| Average total assets | $61,962,500 | 6,124 |
| Average earning assets | $55,936,500 | 6,133 |
| Average equity | $6,684,000 | 6,029 |
| Average total loans | $34,673,000 | 6,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 5,845 |
| Cost of funding earning assets | 1.1926% | 4,609 |
| Net interest margin | 3.4935% | 5,267 |
| Noninterest income to average assets | 0.4102% | 4,822 |
| Noninterest expense to average assets | 1.8274% | 7,236 |
| Loan and lease loss provision to assets | 0.0048% | 7,022 |
| Net operating income to assets | 1.7396% | 475 |
| Return on assets (ROA) | 1.7396% | 517 |
| Pretax return on assets | 1.7571% | 837 |
| Return on Equity (ROE) | 16.4325% | 535 |
| Retained earnings to average equity (ytd only) | 1.2965% | 4,901 |
| Net charge-offs to loans | 0.0356% | 6,445 |
| Credit loss provision to net charge-offs | 23.0769% | 6,539 |
| Earnings coverage of net charge-offs (x) | 84.9231% | 288 |
| Efficiency ratio | 50.9115% | 7,066 |
| Assets per employee ($millions) | 4.5229% | 2,825 |
| Cash dividends to net income (ytd only)* | 92.1101% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,774 |
| Loan loss allowance to noncurrent loans | 452.8302% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,810 |
| Noncurrent loans to loans | 0.2973% | 6,461 |
| Net loans and leases to total assets | 55.5559% | 5,409 |
| Net loans and leases to deposits | 62.3768% | 5,807 |
| Net loans and leases to core deposits | 64.1478% | 6,040 |
| Total domestic deposits to total assets | 89.0651% | 1,613 |
| Equity capital to assets | 10.6807% | 2,977 |
| Core capital (leverage) ratio | 10.6183% | 2,445 |
| Tier 1 risk-based capital ratio | 18.0481% | 1,984 |
| Total risk-based capital ratio | 19.3024% | 1,945 |
| Memoranda: | ||
| Average total assets | $62,658,600 | 6,105 |
| Average earning assets | $57,019,600 | 6,095 |
| Average equity | $6,633,200 | 6,156 |
| Average total loans | $36,493,800 | 6,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 5,868 |
| Cost of funding earning assets | 1.2305% | 4,686 |
| Net interest margin | 3.5150% | 5,230 |
| Noninterest income to average assets | 0.4160% | 4,830 |
| Noninterest expense to average assets | 1.8391% | 7,289 |
| Loan and lease loss provision to assets | 0.0043% | 6,963 |
| Net operating income to assets | 1.7921% | 516 |
| Return on assets (ROA) | 1.7921% | 564 |
| Pretax return on assets | 1.8028% | 919 |
| Return on Equity (ROE) | 16.9673% | 590 |
| Retained earnings to average equity (ytd only) | -3.3127% | 6,388 |
| Net charge-offs to loans | 0.0073% | 6,563 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 422.9625% | 73 |
| Efficiency ratio | 50.4389% | 7,120 |
| Assets per employee ($millions) | 4.5559% | 2,829 |
| Cash dividends to net income (ytd only)* | 119.5237% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,519 |
| Loan loss allowance to noncurrent loans | 392.0000% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,877 |
| Noncurrent loans to loans | 0.3545% | 6,487 |
| Net loans and leases to total assets | 54.5067% | 5,773 |
| Net loans and leases to deposits | 60.8883% | 6,230 |
| Net loans and leases to core deposits | 62.5929% | 6,405 |
| Total domestic deposits to total assets | 89.5192% | 1,117 |
| Equity capital to assets | 10.2112% | 3,864 |
| Core capital (leverage) ratio | 10.1453% | 3,106 |
| Tier 1 risk-based capital ratio | 17.2942% | 2,243 |
| Total risk-based capital ratio | 18.5422% | 2,206 |
| Memoranda: | ||
| Average total assets | $62,493,250 | 6,173 |
| Average earning assets | $57,429,000 | 6,147 |
| Average equity | $6,600,750 | 6,239 |
| Average total loans | $36,702,750 | 6,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 5,840 |
| Cost of funding earning assets | 1.2085% | 5,074 |
| Net interest margin | 3.5773% | 4,912 |
| Noninterest income to average assets | 0.4189% | 4,765 |
| Noninterest expense to average assets | 1.8594% | 7,316 |
| Loan and lease loss provision to assets | 0.0032% | 6,848 |
| Net operating income to assets | 1.8819% | 417 |
| Return on assets (ROA) | 1.8819% | 459 |
| Pretax return on assets | 1.8948% | 740 |
| Return on Equity (ROE) | 17.6169% | 507 |
| Retained earnings to average equity (ytd only) | -0.8748% | 5,946 |
| Net charge-offs to loans | 0.0054% | 6,299 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 589.0000% | 51 |
| Efficiency ratio | 49.4854% | 7,259 |
| Assets per employee ($millions) | 4.4577% | 2,949 |
| Cash dividends to net income (ytd only)* | 104.9658% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,648 |
| Loan loss allowance to noncurrent loans | 385.8268% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,891 |
| Noncurrent loans to loans | 0.3516% | 6,533 |
| Net loans and leases to total assets | 57.0968% | 5,548 |
| Net loans and leases to deposits | 64.0881% | 6,031 |
| Net loans and leases to core deposits | 65.6249% | 6,275 |
| Total domestic deposits to total assets | 89.0911% | 1,383 |
| Equity capital to assets | 10.6525% | 3,215 |
| Core capital (leverage) ratio | 10.5764% | 2,564 |
| Tier 1 risk-based capital ratio | 17.6625% | 2,049 |
| Total risk-based capital ratio | 18.9139% | 2,022 |
| Memoranda: | ||
| Average total assets | $62,063,330 | 6,232 |
| Average earning assets | $57,921,000 | 6,173 |
| Average equity | $6,630,000 | 6,259 |
| Average total loans | $37,185,000 | 6,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 5,957 |
| Cost of funding earning assets | 1.1887% | 5,459 |
| Net interest margin | 3.5932% | 4,763 |
| Noninterest income to average assets | 0.4266% | 4,688 |
| Noninterest expense to average assets | 1.8807% | 7,358 |
| Loan and lease loss provision to assets | 0.0065% | 6,527 |
| Net operating income to assets | 1.9518% | 378 |
| Return on assets (ROA) | 1.9518% | 410 |
| Pretax return on assets | 1.9583% | 656 |
| Return on Equity (ROE) | 18.2450% | 497 |
| Retained earnings to average equity (ytd only) | -6.7663% | 6,713 |
| Net charge-offs to loans | 0.0106% | 5,440 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 104 |
| Efficiency ratio | 48.9076% | 7,380 |
| Assets per employee ($millions) | 4.2896% | 3,303 |
| Cash dividends to net income (ytd only)* | 137.0861% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,806 |
| Loan loss allowance to noncurrent loans | 700.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 7,186 |
| Noncurrent loans to loans | 0.1892% | 6,961 |
| Net loans and leases to total assets | 60.8019% | 4,976 |
| Net loans and leases to deposits | 69.3681% | 5,424 |
| Net loans and leases to core deposits | 70.7800% | 5,848 |
| Total domestic deposits to total assets | 87.6511% | 2,261 |
| Equity capital to assets | 10.9318% | 2,823 |
| Core capital (leverage) ratio | 10.7454% | 2,420 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,100 |
| Total risk-based capital ratio | 18.6715% | 2,071 |
| Memoranda: | ||
| Average total assets | $61,891,000 | 6,315 |
| Average earning assets | $58,889,000 | 6,208 |
| Average equity | $6,621,000 | 6,314 |
| Average total loans | $37,716,000 | 6,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 6,784 |
| Cost of funding earning assets | 1.5968% | 5,041 |
| Net interest margin | 3.2722% | 5,849 |
| Noninterest income to average assets | 0.4317% | 4,942 |
| Noninterest expense to average assets | 1.8740% | 7,534 |
| Loan and lease loss provision to assets | 0.2044% | 5,708 |
| Net operating income to assets | 1.4717% | 713 |
| Return on assets (ROA) | 1.4717% | 778 |
| Pretax return on assets | 1.4864% | 1,219 |
| Return on Equity (ROE) | 13.6252% | 850 |
| Retained earnings to average equity (ytd only) | 0.3482% | 4,714 |
| Net charge-offs to loans | 0.0134% | 7,033 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 206.8000% | 135 |
| Efficiency ratio | 52.5688% | 7,343 |
| Assets per employee ($millions) | 4.5520% | 2,832 |
| Cash dividends to net income (ytd only)* | 97.4444% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 4,906 |
| Loan loss allowance to noncurrent loans | 803.2787% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 7,259 |
| Noncurrent loans to loans | 0.1587% | 7,030 |
| Net loans and leases to total assets | 59.5311% | 5,410 |
| Net loans and leases to deposits | 69.8661% | 5,623 |
| Net loans and leases to core deposits | 75.6792% | 6,423 |
| Total domestic deposits to total assets | 85.2074% | 3,456 |
| Equity capital to assets | 10.4773% | 3,206 |
| Core capital (leverage) ratio | 10.6996% | 2,432 |
| Tier 1 risk-based capital ratio | 16.9484% | 2,163 |
| Total risk-based capital ratio | 18.1922% | 2,134 |
| Memoranda: | ||
| Average total assets | $61,153,200 | 6,305 |
| Average earning assets | $58,553,800 | 6,198 |
| Average equity | $6,605,400 | 6,391 |
| Average total loans | $37,443,600 | 6,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 6,976 |
| Cost of funding earning assets | 1.6701% | 5,060 |
| Net interest margin | 3.1933% | 6,048 |
| Noninterest income to average assets | 0.4253% | 5,086 |
| Noninterest expense to average assets | 1.8818% | 7,567 |
| Loan and lease loss provision to assets | 0.0110% | 7,223 |
| Net operating income to assets | 1.5997% | 666 |
| Return on assets (ROA) | 1.5997% | 718 |
| Pretax return on assets | 1.5997% | 1,176 |
| Return on Equity (ROE) | 14.6942% | 812 |
| Retained earnings to average equity (ytd only) | -3.0562% | 5,942 |
| Net charge-offs to loans | 0.0179% | 6,665 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 146.1229% | 262 |
| Efficiency ratio | 53.8801% | 7,246 |
| Assets per employee ($millions) | 4.4386% | 2,963 |
| Cash dividends to net income (ytd only)* | 120.7980% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,256 |
| Loan loss allowance to noncurrent loans | 587.3016% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 7,293 |
| Noncurrent loans to loans | 0.1712% | 7,063 |
| Net loans and leases to total assets | 58.6263% | 5,787 |
| Net loans and leases to deposits | 65.6698% | 6,339 |
| Net loans and leases to core deposits | 71.8206% | 6,858 |
| Total domestic deposits to total assets | 89.2744% | 1,071 |
| Equity capital to assets | 10.4649% | 3,553 |
| Core capital (leverage) ratio | 10.3219% | 2,954 |
| Tier 1 risk-based capital ratio | 17.0196% | 2,272 |
| Total risk-based capital ratio | 17.9879% | 2,302 |
| Memoranda: | ||
| Average total assets | $60,509,500 | 6,371 |
| Average earning assets | $58,119,250 | 6,249 |
| Average equity | $6,587,500 | 6,453 |
| Average total loans | $37,197,500 | 6,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 7,024 |
| Cost of funding earning assets | 1.7335% | 5,099 |
| Net interest margin | 3.1688% | 6,027 |
| Noninterest income to average assets | 0.4036% | 5,253 |
| Noninterest expense to average assets | 1.8944% | 7,628 |
| Loan and lease loss provision to assets | 0.0067% | 7,125 |
| Net operating income to assets | 1.5509% | 753 |
| Return on assets (ROA) | 1.5509% | 812 |
| Pretax return on assets | 1.5509% | 1,326 |
| Return on Equity (ROE) | 14.0575% | 979 |
| Retained earnings to average equity (ytd only) | -0.9069% | 5,455 |
| Net charge-offs to loans | 0.0107% | 6,415 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 233.5000% | 176 |
| Efficiency ratio | 54.8792% | 7,242 |
| Assets per employee ($millions) | 4.4824% | 2,799 |
| Cash dividends to net income (ytd only)* | 106.4516% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,165 |
| Loan loss allowance to noncurrent loans | 578.1250% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,194 |
| Noncurrent loans to loans | 0.1746% | 7,081 |
| Net loans and leases to total assets | 57.8194% | 5,990 |
| Net loans and leases to deposits | 64.8566% | 6,485 |
| Net loans and leases to core deposits | 71.0114% | 6,969 |
| Total domestic deposits to total assets | 89.1497% | 1,200 |
| Equity capital to assets | 10.5555% | 3,335 |
| Core capital (leverage) ratio | 10.7927% | 2,571 |
| Tier 1 risk-based capital ratio | 17.1954% | 2,237 |
| Total risk-based capital ratio | 18.1559% | 2,282 |
| Memoranda: | ||
| Average total assets | $59,965,670 | 6,446 |
| Average earning assets | $57,686,670 | 6,328 |
| Average equity | $6,615,670 | 6,493 |
| Average total loans | $37,329,670 | 6,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 6,659 |
| Cost of funding earning assets | 1.7669% | 5,284 |
| Net interest margin | 3.3272% | 5,411 |
| Noninterest income to average assets | 0.4098% | 5,136 |
| Noninterest expense to average assets | 1.8712% | 7,609 |
| Loan and lease loss provision to assets | 0.0068% | 6,715 |
| Net operating income to assets | 1.7210% | 621 |
| Return on assets (ROA) | 1.7210% | 683 |
| Pretax return on assets | 1.7210% | 1,138 |
| Return on Equity (ROE) | 15.2462% | 931 |
| Retained earnings to average equity (ytd only) | -5.1426% | 6,564 |
| Net charge-offs to loans | 0.0106% | 5,480 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 168 |
| Efficiency ratio | 51.9924% | 7,422 |
| Assets per employee ($millions) | 4.1991% | 3,266 |
| Cash dividends to net income (ytd only)* | 133.7302% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,232 |
| Loan loss allowance to noncurrent loans | 552.2388% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 7,062 |
| Noncurrent loans to loans | 0.1800% | 7,013 |
| Net loans and leases to total assets | 62.6890% | 5,209 |
| Net loans and leases to deposits | 70.7895% | 5,892 |
| Net loans and leases to core deposits | 77.5363% | 6,568 |
| Total domestic deposits to total assets | 88.5570% | 1,455 |
| Equity capital to assets | 11.1742% | 2,833 |
| Core capital (leverage) ratio | 10.9480% | 2,543 |
| Tier 1 risk-based capital ratio | 16.8535% | 2,385 |
| Total risk-based capital ratio | 17.8028% | 2,424 |
| Memoranda: | ||
| Average total assets | $58,571,500 | 6,522 |
| Average earning assets | $56,144,000 | 6,410 |
| Average equity | $6,611,500 | 6,543 |
| Average total loans | $37,667,500 | 6,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 7,245 |
| Cost of funding earning assets | 2.2523% | 5,360 |
| Net interest margin | 3.2703% | 6,140 |
| Noninterest income to average assets | 0.4392% | 5,123 |
| Noninterest expense to average assets | 1.7619% | 7,798 |
| Loan and lease loss provision to assets | 0.1181% | 5,858 |
| Net operating income to assets | 1.7020% | 675 |
| Return on assets (ROA) | 1.7020% | 642 |
| Pretax return on assets | 1.7020% | 1,139 |
| Return on Equity (ROE) | 15.7987% | 801 |
| Retained earnings to average equity (ytd only) | 2.6254% | 3,555 |
| Net charge-offs to loans | 0.1878% | 4,318 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 15.4085% | 1,932 |
| Efficiency ratio | 49.1872% | 7,720 |
| Assets per employee ($millions) | 3.8904% | 3,760 |
| Cash dividends to net income (ytd only)* | 83.3822% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,263 |
| Loan loss allowance to noncurrent loans | 536.2319% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 5,712 |
| Noncurrent loans to loans | 0.1810% | 6,847 |
| Net loans and leases to total assets | 64.6754% | 5,135 |
| Net loans and leases to deposits | 73.2215% | 5,928 |
| Net loans and leases to core deposits | 79.3633% | 6,658 |
| Total domestic deposits to total assets | 88.3285% | 1,325 |
| Equity capital to assets | 11.4024% | 2,699 |
| Core capital (leverage) ratio | 11.1680% | 2,449 |
| Tier 1 risk-based capital ratio | 17.0441% | 2,296 |
| Total risk-based capital ratio | 17.9918% | 2,336 |
| Memoranda: | ||
| Average total assets | $60,105,600 | 6,380 |
| Average earning assets | $57,762,800 | 6,272 |
| Average equity | $6,475,200 | 6,649 |
| Average total loans | $37,799,800 | 6,278 |