Home > First Bank of White > Performance and Condition Ratios
First Bank of White, 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 | 5.5094% | 746 |
| Cost of funding earning assets | 1.3958% | 436 |
| Net interest margin | 4.1136% | 2,046 |
| Noninterest income to average assets | 0.4045% | 4,634 |
| Noninterest expense to average assets | 2.4969% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2835% | 1,494 |
| Return on assets (ROA) | 1.2835% | 1,673 |
| Pretax return on assets | 1.8046% | 1,059 |
| Return on Equity (ROE) | 10.4612% | 2,250 |
| Retained earnings to average equity (ytd only) | 3.4871% | 4,486 |
| Net charge-offs to loans | 0.3190% | 2,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.4839% | 2,068 |
| Efficiency ratio | 58.0470% | 5,911 |
| Assets per employee ($millions) | 6.8741% | 803 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,462 |
| Loan loss allowance to noncurrent loans | 315.8470% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 5,930 |
| Noncurrent loans to loans | 0.5289% | 5,606 |
| Net loans and leases to total assets | 70.7018% | 1,633 |
| Net loans and leases to deposits | 83.6719% | 1,705 |
| Net loans and leases to core deposits | 85.5573% | 2,339 |
| Total domestic deposits to total assets | 84.4988% | 4,272 |
| Equity capital to assets | 13.1674% | 1,371 |
| Core capital (leverage) ratio | 12.1499% | 1,505 |
| Tier 1 risk-based capital ratio | 17.6428% | 2,426 |
| Total risk-based capital ratio | 18.8945% | 2,397 |
| Memoranda: | ||
| Average total assets | $51,423,500 | 6,324 |
| Average earning assets | $48,716,500 | 6,249 |
| Average equity | $6,309,000 | 6,068 |
| Average total loans | $38,869,000 | 5,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8743% | 549 |
| Cost of funding earning assets | 1.6174% | 443 |
| Net interest margin | 4.2569% | 1,852 |
| Noninterest income to average assets | 0.4800% | 3,992 |
| Noninterest expense to average assets | 2.4189% | 5,723 |
| Loan and lease loss provision to assets | 0.0934% | 5,430 |
| Net operating income to assets | 1.3654% | 1,096 |
| Return on assets (ROA) | 1.3654% | 1,187 |
| Pretax return on assets | 1.9893% | 543 |
| Return on Equity (ROE) | 12.0408% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.1227% | 2,553 |
| Net charge-offs to loans | 0.0671% | 5,637 |
| Credit loss provision to net charge-offs | 172.4138% | 1,538 |
| Earnings coverage of net charge-offs (x) | 38.4483% | 699 |
| Efficiency ratio | 53.7344% | 6,538 |
| Assets per employee ($millions) | 9.1213% | 316 |
| Cash dividends to net income (ytd only)* | 57.4555% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,411 |
| Loan loss allowance to noncurrent loans | 321.6931% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,108 |
| Noncurrent loans to loans | 0.4381% | 5,832 |
| Net loans and leases to total assets | 77.7134% | 742 |
| Net loans and leases to deposits | 90.4453% | 1,105 |
| Net loans and leases to core deposits | 93.6188% | 1,737 |
| Total domestic deposits to total assets | 85.9231% | 3,363 |
| Equity capital to assets | 11.4786% | 2,521 |
| Core capital (leverage) ratio | 11.1852% | 2,130 |
| Tier 1 risk-based capital ratio | 14.2093% | 4,171 |
| Total risk-based capital ratio | 15.4612% | 4,126 |
| Memoranda: | ||
| Average total assets | $53,537,400 | 6,245 |
| Average earning assets | $50,576,200 | 6,168 |
| Average equity | $6,071,000 | 6,136 |
| Average total loans | $43,210,200 | 5,554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9038% | 556 |
| Cost of funding earning assets | 1.6857% | 417 |
| Net interest margin | 4.2181% | 2,028 |
| Noninterest income to average assets | 0.4683% | 4,143 |
| Noninterest expense to average assets | 2.3916% | 5,783 |
| Loan and lease loss provision to assets | 0.1252% | 4,862 |
| Net operating income to assets | 1.3198% | 1,325 |
| Return on assets (ROA) | 1.3198% | 1,412 |
| Pretax return on assets | 1.9309% | 729 |
| Return on Equity (ROE) | 11.6753% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.8075% | 3,306 |
| Net charge-offs to loans | 0.0678% | 5,283 |
| Credit loss provision to net charge-offs | 227.2727% | 1,255 |
| Earnings coverage of net charge-offs (x) | 37.3215% | 807 |
| Efficiency ratio | 53.7725% | 6,513 |
| Assets per employee ($millions) | 9.2798% | 304 |
| Cash dividends to net income (ytd only)* | 58.8230% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,513 |
| Loan loss allowance to noncurrent loans | 401.9608% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 5,650 |
| Noncurrent loans to loans | 0.3510% | 6,147 |
| Net loans and leases to total assets | 77.1853% | 820 |
| Net loans and leases to deposits | 89.1119% | 1,307 |
| Net loans and leases to core deposits | 95.2208% | 1,677 |
| Total domestic deposits to total assets | 86.6161% | 2,873 |
| Equity capital to assets | 11.1353% | 3,014 |
| Core capital (leverage) ratio | 11.1978% | 2,232 |
| Tier 1 risk-based capital ratio | 13.7912% | 4,504 |
| Total risk-based capital ratio | 15.0598% | 4,456 |
| Memoranda: | ||
| Average total assets | $53,239,750 | 6,303 |
| Average earning assets | $50,226,250 | 6,233 |
| Average equity | $6,018,250 | 6,198 |
| Average total loans | $43,228,000 | 5,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9415% | 530 |
| Cost of funding earning assets | 1.7715% | 355 |
| Net interest margin | 4.1700% | 2,161 |
| Noninterest income to average assets | 0.4807% | 4,021 |
| Noninterest expense to average assets | 2.3995% | 5,846 |
| Loan and lease loss provision to assets | 0.0954% | 5,137 |
| Net operating income to assets | 1.3047% | 1,302 |
| Return on assets (ROA) | 1.3047% | 1,380 |
| Pretax return on assets | 1.9189% | 677 |
| Return on Equity (ROE) | 11.4810% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.1027% | 2,938 |
| Net charge-offs to loans | 0.1670% | 4,173 |
| Credit loss provision to net charge-offs | 69.4444% | 4,068 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,466 |
| Efficiency ratio | 54.3647% | 6,586 |
| Assets per employee ($millions) | 8.6342% | 369 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 4,830 |
| Loan loss allowance to noncurrent loans | 349.0909% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,593 |
| Noncurrent loans to loans | 0.3870% | 6,131 |
| Net loans and leases to total assets | 81.1910% | 434 |
| Net loans and leases to deposits | 95.0166% | 801 |
| Net loans and leases to core deposits | 102.6830% | 1,138 |
| Total domestic deposits to total assets | 85.4493% | 3,647 |
| Equity capital to assets | 11.6359% | 2,378 |
| Core capital (leverage) ratio | 11.6442% | 1,820 |
| Tier 1 risk-based capital ratio | 14.2038% | 4,014 |
| Total risk-based capital ratio | 15.4532% | 3,985 |
| Memoranda: | ||
| Average total assets | $52,426,670 | 6,393 |
| Average earning assets | $49,448,670 | 6,320 |
| Average equity | $5,957,670 | 6,241 |
| Average total loans | $43,107,000 | 5,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 493 |
| Cost of funding earning assets | 1.8341% | 334 |
| Net interest margin | 4.1429% | 2,107 |
| Noninterest income to average assets | 0.4930% | 3,945 |
| Noninterest expense to average assets | 2.3816% | 5,944 |
| Loan and lease loss provision to assets | 0.1896% | 3,731 |
| Net operating income to assets | 1.2363% | 1,438 |
| Return on assets (ROA) | 1.2363% | 1,491 |
| Pretax return on assets | 1.8279% | 776 |
| Return on Equity (ROE) | 11.0089% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.9304% | 3,240 |
| Net charge-offs to loans | 0.2676% | 2,997 |
| Credit loss provision to net charge-offs | 86.2069% | 3,012 |
| Earnings coverage of net charge-offs (x) | 9.1724% | 1,749 |
| Efficiency ratio | 54.1379% | 6,683 |
| Assets per employee ($millions) | 8.5253% | 391 |
| Cash dividends to net income (ytd only)* | 55.2147% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,692 |
| Loan loss allowance to noncurrent loans | 226.8482% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 5,003 |
| Noncurrent loans to loans | 0.6145% | 5,804 |
| Net loans and leases to total assets | 80.6185% | 462 |
| Net loans and leases to deposits | 94.5696% | 777 |
| Net loans and leases to core deposits | 98.4694% | 1,478 |
| Total domestic deposits to total assets | 85.2479% | 3,925 |
| Equity capital to assets | 11.6535% | 2,159 |
| Core capital (leverage) ratio | 11.5120% | 1,841 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,829 |
| Total risk-based capital ratio | 15.6160% | 3,792 |
| Memoranda: | ||
| Average total assets | $52,737,500 | 6,426 |
| Average earning assets | $49,723,500 | 6,348 |
| Average equity | $5,922,500 | 6,273 |
| Average total loans | $43,342,000 | 5,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0560% | 763 |
| Cost of funding earning assets | 2.2550% | 249 |
| Net interest margin | 3.8010% | 3,942 |
| Noninterest income to average assets | 0.5680% | 3,691 |
| Noninterest expense to average assets | 2.2955% | 6,371 |
| Loan and lease loss provision to assets | 0.0886% | 6,263 |
| Net operating income to assets | 1.2156% | 1,378 |
| Return on assets (ROA) | 1.2156% | 1,453 |
| Pretax return on assets | 1.7818% | 795 |
| Return on Equity (ROE) | 11.6263% | 1,413 |
| Retained earnings to average equity (ytd only) | 6.4360% | 1,593 |
| Net charge-offs to loans | 0.1168% | 5,711 |
| Credit loss provision to net charge-offs | 90.7407% | 5,098 |
| Earnings coverage of net charge-offs (x) | 19.1481% | 1,076 |
| Efficiency ratio | 55.1020% | 6,701 |
| Assets per employee ($millions) | 9.0538% | 329 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,964 |
| Loan loss allowance to noncurrent loans | 235.7430% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 5,268 |
| Noncurrent loans to loans | 0.5550% | 5,937 |
| Net loans and leases to total assets | 81.5051% | 488 |
| Net loans and leases to deposits | 94.4696% | 1,012 |
| Net loans and leases to core deposits | 103.2893% | 1,369 |
| Total domestic deposits to total assets | 86.2765% | 3,211 |
| Equity capital to assets | 10.8315% | 2,829 |
| Core capital (leverage) ratio | 10.9402% | 2,205 |
| Tier 1 risk-based capital ratio | 13.1971% | 4,456 |
| Total risk-based capital ratio | 14.4429% | 4,411 |
| Memoranda: | ||
| Average total assets | $55,282,200 | 6,359 |
| Average earning assets | $52,328,600 | 6,277 |
| Average equity | $5,780,000 | 6,437 |
| Average total loans | $46,235,600 | 5,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 852 |
| Cost of funding earning assets | 2.3355% | 240 |
| Net interest margin | 3.7100% | 4,356 |
| Noninterest income to average assets | 0.5043% | 4,147 |
| Noninterest expense to average assets | 2.2525% | 6,458 |
| Loan and lease loss provision to assets | 0.0937% | 6,088 |
| Net operating income to assets | 1.1407% | 1,763 |
| Return on assets (ROA) | 1.1407% | 1,872 |
| Pretax return on assets | 1.6714% | 1,168 |
| Return on Equity (ROE) | 11.0066% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.3723% | 2,161 |
| Net charge-offs to loans | 0.1116% | 5,423 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 18.8458% | 1,231 |
| Efficiency ratio | 56.0669% | 6,547 |
| Assets per employee ($millions) | 9.0380% | 342 |
| Cash dividends to net income (ytd only)* | 42.1051% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,939 |
| Loan loss allowance to noncurrent loans | 222.5564% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 5,474 |
| Noncurrent loans to loans | 0.5864% | 6,042 |
| Net loans and leases to total assets | 82.5644% | 440 |
| Net loans and leases to deposits | 95.7158% | 1,019 |
| Net loans and leases to core deposits | 103.3541% | 1,536 |
| Total domestic deposits to total assets | 86.2599% | 2,941 |
| Equity capital to assets | 10.8136% | 3,153 |
| Core capital (leverage) ratio | 10.6118% | 2,589 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,748 |
| Total risk-based capital ratio | 14.0428% | 4,714 |
| Memoranda: | ||
| Average total assets | $55,522,000 | 6,429 |
| Average earning assets | $52,577,500 | 6,348 |
| Average equity | $5,754,000 | 6,525 |
| Average total loans | $46,578,750 | 5,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 926 |
| Cost of funding earning assets | 2.3864% | 249 |
| Net interest margin | 3.6230% | 4,720 |
| Noninterest income to average assets | 0.4861% | 4,223 |
| Noninterest expense to average assets | 2.2054% | 6,633 |
| Loan and lease loss provision to assets | 0.0751% | 6,195 |
| Net operating income to assets | 1.1116% | 1,814 |
| Return on assets (ROA) | 1.1116% | 1,883 |
| Pretax return on assets | 1.6407% | 1,184 |
| Return on Equity (ROE) | 10.8792% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.8792% | 679 |
| Net charge-offs to loans | 0.0979% | 5,163 |
| Credit loss provision to net charge-offs | 91.3043% | 4,384 |
| Earnings coverage of net charge-offs (x) | 20.8696% | 1,195 |
| Efficiency ratio | 56.2443% | 6,609 |
| Assets per employee ($millions) | 9.1855% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,939 |
| Loan loss allowance to noncurrent loans | 106.4982% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 5,137 |
| Noncurrent loans to loans | 1.2175% | 4,931 |
| Net loans and leases to total assets | 81.4908% | 599 |
| Net loans and leases to deposits | 94.3728% | 1,225 |
| Net loans and leases to core deposits | 104.5486% | 1,581 |
| Total domestic deposits to total assets | 86.3499% | 2,905 |
| Equity capital to assets | 10.6799% | 3,193 |
| Core capital (leverage) ratio | 10.3633% | 2,756 |
| Tier 1 risk-based capital ratio | 12.6431% | 4,740 |
| Total risk-based capital ratio | 13.9067% | 4,697 |
| Memoranda: | ||
| Average total assets | $55,953,330 | 6,456 |
| Average earning assets | $53,049,670 | 6,362 |
| Average equity | $5,717,330 | 6,556 |
| Average total loans | $46,983,330 | 5,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 1,138 |
| Cost of funding earning assets | 2.4276% | 273 |
| Net interest margin | 3.4991% | 5,162 |
| Noninterest income to average assets | 0.4612% | 4,373 |
| Noninterest expense to average assets | 2.2422% | 6,576 |
| Loan and lease loss provision to assets | 0.1064% | 5,564 |
| Net operating income to assets | 1.0076% | 2,151 |
| Return on assets (ROA) | 1.0076% | 2,214 |
| Pretax return on assets | 1.4262% | 1,703 |
| Return on Equity (ROE) | 10.0834% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.0834% | 1,122 |
| Net charge-offs to loans | 0.1425% | 4,083 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 12.7059% | 1,545 |
| Efficiency ratio | 59.3985% | 6,276 |
| Assets per employee ($millions) | 9.1912% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,053 |
| Loan loss allowance to noncurrent loans | 92.7559% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 4,862 |
| Noncurrent loans to loans | 1.3782% | 4,671 |
| Net loans and leases to total assets | 82.4832% | 535 |
| Net loans and leases to deposits | 95.2129% | 1,200 |
| Net loans and leases to core deposits | 102.1285% | 1,884 |
| Total domestic deposits to total assets | 86.6303% | 2,828 |
| Equity capital to assets | 10.3560% | 3,400 |
| Core capital (leverage) ratio | 10.1178% | 3,027 |
| Tier 1 risk-based capital ratio | 12.1049% | 5,082 |
| Total risk-based capital ratio | 13.3558% | 5,048 |
| Memoranda: | ||
| Average total assets | $56,373,500 | 6,521 |
| Average earning assets | $53,385,500 | 6,417 |
| Average equity | $5,633,000 | 6,636 |
| Average total loans | $47,724,000 | 5,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1522% | 1,368 |
| Cost of funding earning assets | 2.8203% | 421 |
| Net interest margin | 3.3319% | 5,619 |
| Noninterest income to average assets | 0.4514% | 4,796 |
| Noninterest expense to average assets | 2.0748% | 7,238 |
| Loan and lease loss provision to assets | 0.8160% | 2,684 |
| Net operating income to assets | 0.5766% | 3,422 |
| Return on assets (ROA) | 0.6216% | 3,315 |
| Pretax return on assets | 0.7709% | 3,338 |
| Return on Equity (ROE) | 6.6488% | 2,931 |
| Retained earnings to average equity (ytd only) | 4.6988% | 1,974 |
| Net charge-offs to loans | 0.4367% | 4,053 |
| Credit loss provision to net charge-offs | 223.8095% | 1,677 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 3,022 |
| Efficiency ratio | 57.5349% | 6,826 |
| Assets per employee ($millions) | 9.6000% | 297 |
| Cash dividends to net income (ytd only)* | 29.3296% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,366 |
| Loan loss allowance to noncurrent loans | 114.0655% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 5,299 |
| Noncurrent loans to loans | 1.0512% | 5,217 |
| Net loans and leases to total assets | 84.6875% | 379 |
| Net loans and leases to deposits | 98.1015% | 1,093 |
| Net loans and leases to core deposits | 144.2342% | 663 |
| Total domestic deposits to total assets | 86.3264% | 2,856 |
| Equity capital to assets | 9.6441% | 4,221 |
| Core capital (leverage) ratio | 9.5034% | 3,716 |
| Tier 1 risk-based capital ratio | 11.2464% | 5,670 |
| Total risk-based capital ratio | 12.4743% | 5,643 |
| Memoranda: | ||
| Average total assets | $57,594,800 | 6,444 |
| Average earning assets | $54,533,400 | 6,357 |
| Average equity | $5,384,400 | 6,810 |
| Average total loans | $48,087,000 | 5,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 1,491 |
| Cost of funding earning assets | 2.8981% | 461 |
| Net interest margin | 3.2525% | 5,822 |
| Noninterest income to average assets | 0.4468% | 4,919 |
| Noninterest expense to average assets | 2.0580% | 7,273 |
| Loan and lease loss provision to assets | 0.7408% | 2,520 |
| Net operating income to assets | 0.5843% | 3,656 |
| Return on assets (ROA) | 0.6436% | 3,498 |
| Pretax return on assets | 0.8033% | 3,531 |
| Return on Equity (ROE) | 6.9389% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.3181% | 2,855 |
| Net charge-offs to loans | 0.5471% | 3,044 |
| Credit loss provision to net charge-offs | 163.2653% | 2,889 |
| Earnings coverage of net charge-offs (x) | 3.2398% | 3,621 |
| Efficiency ratio | 58.3333% | 6,674 |
| Assets per employee ($millions) | 9.5595% | 304 |
| Cash dividends to net income (ytd only)* | 37.7705% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,623 |
| Loan loss allowance to noncurrent loans | 47.9495% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 3,884 |
| Noncurrent loans to loans | 1.9484% | 3,708 |
| Net loans and leases to total assets | 84.3018% | 506 |
| Net loans and leases to deposits | 97.2780% | 1,403 |
| Net loans and leases to core deposits | 149.8249% | 584 |
| Total domestic deposits to total assets | 86.6607% | 2,350 |
| Equity capital to assets | 9.5455% | 4,685 |
| Core capital (leverage) ratio | 9.3141% | 4,170 |
| Tier 1 risk-based capital ratio | 11.2765% | 5,652 |
| Total risk-based capital ratio | 12.2390% | 5,933 |
| Memoranda: | ||
| Average total assets | $57,593,500 | 6,483 |
| Average earning assets | $54,562,500 | 6,394 |
| Average equity | $5,341,750 | 6,891 |
| Average total loans | $47,765,750 | 5,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1125% | 1,751 |
| Cost of funding earning assets | 2.9520% | 539 |
| Net interest margin | 3.1605% | 6,055 |
| Noninterest income to average assets | 0.4370% | 4,967 |
| Noninterest expense to average assets | 2.0668% | 7,340 |
| Loan and lease loss provision to assets | 1.0057% | 1,674 |
| Net operating income to assets | 0.3641% | 4,639 |
| Return on assets (ROA) | 0.3641% | 4,743 |
| Pretax return on assets | 0.3607% | 5,045 |
| Return on Equity (ROE) | 3.9643% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.7803% | 2,115 |
| Credit loss provision to net charge-offs | 156.7568% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.1297% | 4,007 |
| Efficiency ratio | 60.2020% | 6,517 |
| Assets per employee ($millions) | 8.3346% | 431 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,774 |
| Loan loss allowance to noncurrent loans | 43.0118% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 3,568 |
| Noncurrent loans to loans | 2.0886% | 3,401 |
| Net loans and leases to total assets | 82.6283% | 844 |
| Net loans and leases to deposits | 96.0222% | 1,797 |
| Net loans and leases to core deposits | 140.7093% | 981 |
| Total domestic deposits to total assets | 86.0512% | 2,763 |
| Equity capital to assets | 9.0381% | 5,257 |
| Core capital (leverage) ratio | 9.0131% | 4,604 |
| Tier 1 risk-based capital ratio | 10.6630% | 6,222 |
| Total risk-based capital ratio | 11.5645% | 6,515 |
| Memoranda: | ||
| Average total assets | $57,672,330 | 6,529 |
| Average earning assets | $54,674,670 | 6,441 |
| Average equity | $5,297,330 | 6,964 |
| Average total loans | $47,418,000 | 5,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1714% | 1,686 |
| Cost of funding earning assets | 3.0305% | 569 |
| Net interest margin | 3.1409% | 6,061 |
| Noninterest income to average assets | 0.4256% | 4,998 |
| Noninterest expense to average assets | 1.9464% | 7,455 |
| Loan and lease loss provision to assets | 0.2093% | 4,348 |
| Net operating income to assets | 0.9209% | 2,613 |
| Return on assets (ROA) | 0.9209% | 2,752 |
| Pretax return on assets | 1.2487% | 2,459 |
| Return on Equity (ROE) | 9.9444% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.6709% | 3,323 |
| Net charge-offs to loans | 0.0940% | 4,239 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,434 |
| Efficiency ratio | 57.1721% | 6,806 |
| Assets per employee ($millions) | 8.0840% | 487 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 7,309 |
| Loan loss allowance to noncurrent loans | 30.2065% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 2,818 |
| Noncurrent loans to loans | 2.4832% | 2,648 |
| Net loans and leases to total assets | 82.0722% | 1,006 |
| Net loans and leases to deposits | 96.5792% | 1,860 |
| Net loans and leases to core deposits | 143.8086% | 942 |
| Total domestic deposits to total assets | 84.9791% | 3,216 |
| Equity capital to assets | 9.4773% | 4,701 |
| Core capital (leverage) ratio | 9.1896% | 4,421 |
| Tier 1 risk-based capital ratio | 11.2114% | 5,694 |
| Total risk-based capital ratio | 11.9637% | 6,079 |
| Memoranda: | ||
| Average total assets | $57,337,500 | 6,565 |
| Average earning assets | $54,380,000 | 6,481 |
| Average equity | $5,309,500 | 7,005 |
| Average total loans | $46,805,000 | 5,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6658% | 2,175 |
| Cost of funding earning assets | 3.6026% | 386 |
| Net interest margin | 3.0632% | 6,754 |
| Noninterest income to average assets | 0.4193% | 5,306 |
| Noninterest expense to average assets | 1.7724% | 7,781 |
| Loan and lease loss provision to assets | 0.1314% | 5,685 |
| Net operating income to assets | 1.0850% | 2,203 |
| Return on assets (ROA) | 1.0850% | 2,123 |
| Pretax return on assets | 1.4071% | 1,954 |
| Return on Equity (ROE) | 11.5597% | 1,729 |
| Retained earnings to average equity (ytd only) | 0.8243% | 4,731 |
| Net charge-offs to loans | 0.1516% | 4,685 |
| Credit loss provision to net charge-offs | 104.2857% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.2143% | 2,275 |
| Efficiency ratio | 53.5326% | 7,325 |
| Assets per employee ($millions) | 7.2609% | 629 |
| Cash dividends to net income (ytd only)* | 92.8690% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 7,400 |
| Loan loss allowance to noncurrent loans | 37.5991% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 3,175 |
| Noncurrent loans to loans | 1.8861% | 2,929 |
| Net loans and leases to total assets | 80.0248% | 1,655 |
| Net loans and leases to deposits | 98.0220% | 2,125 |
| Net loans and leases to core deposits | 141.5943% | 1,181 |
| Total domestic deposits to total assets | 81.6396% | 4,351 |
| Equity capital to assets | 9.0485% | 5,308 |
| Core capital (leverage) ratio | 9.1254% | 4,558 |
| Tier 1 risk-based capital ratio | 11.0997% | 5,644 |
| Total risk-based capital ratio | 11.8126% | 6,046 |
| Memoranda: | ||
| Average total assets | $55,573,600 | 6,549 |
| Average earning assets | $52,461,600 | 6,485 |
| Average equity | $5,216,400 | 7,078 |
| Average total loans | $46,171,800 | 5,867 |