Home > First Bank of Wyoming > Performance and Condition Ratios
First Bank of Wyoming, 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 | 3.2442% | 6,925 |
| Cost of funding earning assets | 0.4943% | 5,851 |
| Net interest margin | 2.7498% | 6,714 |
| Noninterest income to average assets | 0.6618% | 2,858 |
| Noninterest expense to average assets | 2.1023% | 6,269 |
| Loan and lease loss provision to assets | 0.0252% | 5,034 |
| Net operating income to assets | 0.8764% | 3,031 |
| Return on assets (ROA) | 0.8764% | 3,255 |
| Pretax return on assets | 1.0728% | 3,419 |
| Return on Equity (ROE) | 7.8782% | 3,335 |
| Retained earnings to average equity (ytd only) | 2.2186% | 5,157 |
| Net charge-offs to loans | -0.0585% | 6,592 |
| Credit loss provision to net charge-offs | -131.5789% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1583% | 5,431 |
| Assets per employee ($millions) | 5.2344% | 1,951 |
| Cash dividends to net income (ytd only)* | 71.8391% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,257 |
| Loan loss allowance to noncurrent loans | 48.3163% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.0144% | 2,875 |
| Noncurrent loans to loans | 3.5650% | 1,743 |
| Net loans and leases to total assets | 31.4836% | 6,855 |
| Net loans and leases to deposits | 43.3327% | 6,592 |
| Net loans and leases to core deposits | 53.0511% | 6,126 |
| Total domestic deposits to total assets | 72.6554% | 6,849 |
| Equity capital to assets | 11.0586% | 2,837 |
| Core capital (leverage) ratio | 10.2131% | 3,088 |
| Tier 1 risk-based capital ratio | 18.1573% | 2,235 |
| Total risk-based capital ratio | 19.1714% | 2,294 |
| Memoranda: | ||
| Average total assets | $397,098,000 | 1,674 |
| Average earning assets | $366,567,500 | 1,652 |
| Average equity | $44,172,500 | 1,572 |
| Average total loans | $129,942,000 | 2,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7327% | 6,809 |
| Cost of funding earning assets | 0.5962% | 6,106 |
| Net interest margin | 3.1365% | 6,255 |
| Noninterest income to average assets | 0.7143% | 2,527 |
| Noninterest expense to average assets | 2.2879% | 6,073 |
| Loan and lease loss provision to assets | 0.1887% | 4,295 |
| Net operating income to assets | 0.9156% | 2,541 |
| Return on assets (ROA) | 0.9036% | 2,717 |
| Pretax return on assets | 1.1112% | 2,794 |
| Return on Equity (ROE) | 7.9567% | 2,930 |
| Retained earnings to average equity (ytd only) | 2.0206% | 4,776 |
| Net charge-offs to loans | 0.7635% | 2,248 |
| Credit loss provision to net charge-offs | 66.8577% | 4,970 |
| Earnings coverage of net charge-offs (x) | 4.6571% | 3,029 |
| Efficiency ratio | 59.1872% | 5,870 |
| Assets per employee ($millions) | 5.0148% | 2,185 |
| Cash dividends to net income (ytd only)* | 74.6046% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 3,315 |
| Loan loss allowance to noncurrent loans | 31.5530% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2081% | 2,727 |
| Noncurrent loans to loans | 5.2834% | 1,028 |
| Net loans and leases to total assets | 32.8740% | 6,919 |
| Net loans and leases to deposits | 44.5737% | 6,694 |
| Net loans and leases to core deposits | 54.2721% | 6,282 |
| Total domestic deposits to total assets | 73.7521% | 6,742 |
| Equity capital to assets | 11.1911% | 2,806 |
| Core capital (leverage) ratio | 10.3955% | 2,847 |
| Tier 1 risk-based capital ratio | 18.9024% | 1,933 |
| Total risk-based capital ratio | 19.9460% | 1,953 |
| Memoranda: | ||
| Average total assets | $370,868,600 | 1,760 |
| Average earning assets | $341,523,800 | 1,743 |
| Average equity | $42,115,600 | 1,597 |
| Average total loans | $137,139,400 | 2,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 6,766 |
| Cost of funding earning assets | 0.6109% | 6,238 |
| Net interest margin | 3.2602% | 5,986 |
| Noninterest income to average assets | 0.6513% | 2,868 |
| Noninterest expense to average assets | 2.3069% | 6,014 |
| Loan and lease loss provision to assets | 0.1822% | 4,212 |
| Net operating income to assets | 0.9492% | 2,535 |
| Return on assets (ROA) | 0.9327% | 2,767 |
| Pretax return on assets | 1.1434% | 2,845 |
| Return on Equity (ROE) | 8.1818% | 2,973 |
| Retained earnings to average equity (ytd only) | 1.7873% | 5,244 |
| Net charge-offs to loans | 0.3027% | 3,575 |
| Credit loss provision to net charge-offs | 158.7302% | 1,949 |
| Earnings coverage of net charge-offs (x) | 11.7206% | 1,784 |
| Efficiency ratio | 58.8364% | 5,890 |
| Assets per employee ($millions) | 4.9616% | 2,243 |
| Cash dividends to net income (ytd only)* | 78.1556% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 2,314 |
| Loan loss allowance to noncurrent loans | 35.1979% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 2.5782% | 2,499 |
| Noncurrent loans to loans | 5.7094% | 1,008 |
| Net loans and leases to total assets | 35.0696% | 6,911 |
| Net loans and leases to deposits | 45.0922% | 6,786 |
| Net loans and leases to core deposits | 57.8260% | 6,142 |
| Total domestic deposits to total assets | 77.7731% | 6,230 |
| Equity capital to assets | 11.5477% | 2,636 |
| Core capital (leverage) ratio | 10.6545% | 2,705 |
| Tier 1 risk-based capital ratio | 19.0065% | 1,937 |
| Total risk-based capital ratio | 20.2572% | 1,913 |
| Memoranda: | ||
| Average total assets | $365,798,000 | 1,781 |
| Average earning assets | $336,740,000 | 1,773 |
| Average equity | $41,701,000 | 1,619 |
| Average total loans | $138,732,500 | 2,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 7,015 |
| Cost of funding earning assets | 0.6170% | 6,374 |
| Net interest margin | 3.0850% | 6,437 |
| Noninterest income to average assets | 0.5778% | 3,282 |
| Noninterest expense to average assets | 2.3147% | 6,081 |
| Loan and lease loss provision to assets | 0.0552% | 5,627 |
| Net operating income to assets | 0.8173% | 2,999 |
| Return on assets (ROA) | 0.7966% | 3,220 |
| Pretax return on assets | 1.0209% | 3,161 |
| Return on Equity (ROE) | 7.0193% | 3,440 |
| Retained earnings to average equity (ytd only) | 2.1515% | 4,913 |
| Net charge-offs to loans | 0.3114% | 3,318 |
| Credit loss provision to net charge-offs | 45.8716% | 4,678 |
| Earnings coverage of net charge-offs (x) | 9.1560% | 1,959 |
| Efficiency ratio | 63.0618% | 5,397 |
| Assets per employee ($millions) | 4.7824% | 2,429 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 3,182 |
| Loan loss allowance to noncurrent loans | 35.2399% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 3,025 |
| Noncurrent loans to loans | 4.9431% | 1,326 |
| Net loans and leases to total assets | 36.4279% | 6,941 |
| Net loans and leases to deposits | 47.0166% | 6,778 |
| Net loans and leases to core deposits | 58.4819% | 6,235 |
| Total domestic deposits to total assets | 77.4787% | 6,378 |
| Equity capital to assets | 11.3606% | 2,634 |
| Core capital (leverage) ratio | 10.7559% | 2,464 |
| Tier 1 risk-based capital ratio | 18.7249% | 1,929 |
| Total risk-based capital ratio | 19.8855% | 1,921 |
| Memoranda: | ||
| Average total assets | $362,037,670 | 1,810 |
| Average earning assets | $333,230,000 | 1,789 |
| Average equity | $41,086,670 | 1,630 |
| Average total loans | $139,992,670 | 2,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 7,209 |
| Cost of funding earning assets | 0.6213% | 6,516 |
| Net interest margin | 2.8728% | 6,799 |
| Noninterest income to average assets | 0.5273% | 3,673 |
| Noninterest expense to average assets | 2.3829% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6539% | 3,731 |
| Return on assets (ROA) | 0.6092% | 4,056 |
| Pretax return on assets | 0.7360% | 4,162 |
| Return on Equity (ROE) | 5.3708% | 4,204 |
| Retained earnings to average equity (ytd only) | 0.4253% | 5,650 |
| Net charge-offs to loans | 0.6106% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.2744% | 2,795 |
| Efficiency ratio | 70.0141% | 4,269 |
| Assets per employee ($millions) | 4.8782% | 2,316 |
| Cash dividends to net income (ytd only)* | 92.0810% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 3,448 |
| Loan loss allowance to noncurrent loans | 31.3407% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,833 |
| Noncurrent loans to loans | 5.3279% | 1,237 |
| Net loans and leases to total assets | 37.7152% | 6,919 |
| Net loans and leases to deposits | 50.3167% | 6,603 |
| Net loans and leases to core deposits | 56.0490% | 6,407 |
| Total domestic deposits to total assets | 74.9555% | 6,803 |
| Equity capital to assets | 11.2358% | 2,471 |
| Core capital (leverage) ratio | 11.1969% | 2,033 |
| Tier 1 risk-based capital ratio | 18.3667% | 2,001 |
| Total risk-based capital ratio | 19.4733% | 2,005 |
| Memoranda: | ||
| Average total assets | $356,544,000 | 1,848 |
| Average earning assets | $328,321,500 | 1,828 |
| Average equity | $40,441,000 | 1,647 |
| Average total loans | $140,842,000 | 2,868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 6,647 |
| Cost of funding earning assets | 0.6832% | 6,924 |
| Net interest margin | 3.6989% | 4,343 |
| Noninterest income to average assets | 0.9182% | 1,782 |
| Noninterest expense to average assets | 2.9878% | 3,896 |
| Loan and lease loss provision to assets | 0.4670% | 3,335 |
| Net operating income to assets | 0.6657% | 3,366 |
| Return on assets (ROA) | 0.6771% | 3,447 |
| Pretax return on assets | 0.8372% | 3,514 |
| Return on Equity (ROE) | 5.5068% | 3,834 |
| Retained earnings to average equity (ytd only) | 1.5864% | 4,730 |
| Net charge-offs to loans | 0.4037% | 4,026 |
| Credit loss provision to net charge-offs | 240.1653% | 1,200 |
| Earnings coverage of net charge-offs (x) | 6.6347% | 2,318 |
| Efficiency ratio | 65.5097% | 5,066 |
| Assets per employee ($millions) | 4.4012% | 3,024 |
| Cash dividends to net income (ytd only)* | 71.1913% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 2,977 |
| Loan loss allowance to noncurrent loans | 27.5003% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 2.6098% | 2,667 |
| Noncurrent loans to loans | 6.4158% | 945 |
| Net loans and leases to total assets | 39.9596% | 6,967 |
| Net loans and leases to deposits | 54.4379% | 6,576 |
| Net loans and leases to core deposits | 58.6184% | 6,505 |
| Total domestic deposits to total assets | 73.4040% | 6,958 |
| Equity capital to assets | 11.4519% | 2,303 |
| Core capital (leverage) ratio | 11.7687% | 1,693 |
| Tier 1 risk-based capital ratio | 18.7414% | 1,782 |
| Total risk-based capital ratio | 19.9782% | 1,750 |
| Memoranda: | ||
| Average total assets | $311,162,400 | 2,084 |
| Average earning assets | $282,623,800 | 2,088 |
| Average equity | $38,262,000 | 1,724 |
| Average total loans | $149,863,400 | 2,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 6,027 |
| Cost of funding earning assets | 0.6744% | 7,121 |
| Net interest margin | 4.0237% | 2,993 |
| Noninterest income to average assets | 0.8471% | 2,009 |
| Noninterest expense to average assets | 3.0416% | 3,602 |
| Loan and lease loss provision to assets | 0.6438% | 2,372 |
| Net operating income to assets | 0.6470% | 3,661 |
| Return on assets (ROA) | 0.6628% | 3,753 |
| Pretax return on assets | 0.8188% | 3,830 |
| Return on Equity (ROE) | 5.2842% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.5181% | 3,978 |
| Net charge-offs to loans | 0.5579% | 3,080 |
| Credit loss provision to net charge-offs | 229.1798% | 1,499 |
| Earnings coverage of net charge-offs (x) | 5.1372% | 2,837 |
| Efficiency ratio | 63.5448% | 5,336 |
| Assets per employee ($millions) | 4.0806% | 3,679 |
| Cash dividends to net income (ytd only)* | 33.4224% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,322 |
| Loan loss allowance to noncurrent loans | 27.5292% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 3.2084% | 2,229 |
| Noncurrent loans to loans | 6.0039% | 1,037 |
| Net loans and leases to total assets | 48.5675% | 6,470 |
| Net loans and leases to deposits | 61.0001% | 6,211 |
| Net loans and leases to core deposits | 63.9973% | 6,302 |
| Total domestic deposits to total assets | 79.6188% | 5,831 |
| Equity capital to assets | 13.5867% | 1,318 |
| Core capital (leverage) ratio | 13.0964% | 1,191 |
| Tier 1 risk-based capital ratio | 18.6196% | 1,839 |
| Total risk-based capital ratio | 19.8239% | 1,821 |
| Memoranda: | ||
| Average total assets | $300,928,500 | 2,181 |
| Average earning assets | $272,048,500 | 2,196 |
| Average equity | $37,747,000 | 1,762 |
| Average total loans | $151,523,250 | 2,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 5,778 |
| Cost of funding earning assets | 0.5649% | 7,457 |
| Net interest margin | 4.2415% | 2,010 |
| Noninterest income to average assets | 0.7666% | 2,293 |
| Noninterest expense to average assets | 3.1201% | 3,216 |
| Loan and lease loss provision to assets | 0.8295% | 1,752 |
| Net operating income to assets | 0.5535% | 4,072 |
| Return on assets (ROA) | 0.5782% | 4,102 |
| Pretax return on assets | 0.6905% | 4,274 |
| Return on Equity (ROE) | 4.7438% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.7438% | 3,052 |
| Net charge-offs to loans | 0.4682% | 3,137 |
| Credit loss provision to net charge-offs | 349.5775% | 1,046 |
| Earnings coverage of net charge-offs (x) | 6.2817% | 2,485 |
| Efficiency ratio | 63.4822% | 5,436 |
| Assets per employee ($millions) | 3.7914% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 3,163 |
| Loan loss allowance to noncurrent loans | 28.6049% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 3.0321% | 2,348 |
| Noncurrent loans to loans | 5.8620% | 1,103 |
| Net loans and leases to total assets | 50.8580% | 6,328 |
| Net loans and leases to deposits | 63.5463% | 6,084 |
| Net loans and leases to core deposits | 66.9304% | 6,161 |
| Total domestic deposits to total assets | 80.0330% | 5,714 |
| Equity capital to assets | 13.8341% | 1,230 |
| Core capital (leverage) ratio | 13.0914% | 1,178 |
| Tier 1 risk-based capital ratio | 18.7593% | 1,775 |
| Total risk-based capital ratio | 20.0077% | 1,749 |
| Memoranda: | ||
| Average total assets | $299,224,000 | 2,205 |
| Average earning assets | $271,176,670 | 2,219 |
| Average equity | $36,469,000 | 1,824 |
| Average total loans | $151,652,670 | 2,805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 4,540 |
| Cost of funding earning assets | 0.6065% | 7,526 |
| Net interest margin | 4.4908% | 1,168 |
| Noninterest income to average assets | 0.7669% | 2,193 |
| Noninterest expense to average assets | 3.1432% | 3,095 |
| Loan and lease loss provision to assets | 1.0234% | 1,216 |
| Net operating income to assets | 0.4944% | 4,418 |
| Return on assets (ROA) | 0.4944% | 4,553 |
| Pretax return on assets | 0.6645% | 4,360 |
| Return on Equity (ROE) | 4.3448% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.3448% | 3,548 |
| Net charge-offs to loans | 0.6278% | 2,251 |
| Credit loss provision to net charge-offs | 324.8945% | 1,220 |
| Earnings coverage of net charge-offs (x) | 5.3586% | 2,416 |
| Efficiency ratio | 61.1004% | 5,982 |
| Assets per employee ($millions) | 3.6866% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 3,985 |
| Loan loss allowance to noncurrent loans | 30.1362% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4439% | 2,972 |
| Noncurrent loans to loans | 4.9285% | 1,476 |
| Net loans and leases to total assets | 47.9496% | 6,680 |
| Net loans and leases to deposits | 58.3643% | 6,602 |
| Net loans and leases to core deposits | 61.4952% | 6,638 |
| Total domestic deposits to total assets | 82.1557% | 5,006 |
| Equity capital to assets | 12.1349% | 1,962 |
| Core capital (leverage) ratio | 11.8176% | 1,736 |
| Tier 1 risk-based capital ratio | 19.1632% | 1,681 |
| Total risk-based capital ratio | 20.3751% | 1,658 |
| Memoranda: | ||
| Average total assets | $300,969,500 | 2,245 |
| Average earning assets | $272,380,500 | 2,269 |
| Average equity | $34,247,500 | 1,975 |
| Average total loans | $150,994,500 | 2,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8026% | 7,935 |
| Cost of funding earning assets | 0.2514% | 7,924 |
| Net interest margin | 1.5512% | 7,855 |
| Noninterest income to average assets | 1.4350% | 712 |
| Noninterest expense to average assets | 0.7588% | 7,968 |
| Loan and lease loss provision to assets | 0.5918% | 3,430 |
| Net operating income to assets | 1.4357% | 794 |
| Return on assets (ROA) | 1.4357% | 846 |
| Pretax return on assets | 1.5166% | 1,148 |
| Return on Equity (ROE) | 15.6153% | 590 |
| Retained earnings to average equity (ytd only) | 15.6153% | 83 |
| Net charge-offs to loans | 0.0022% | 7,221 |
| Credit loss provision to net charge-offs | 42,075.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,499.0000% | 11 |
| Efficiency ratio | 24.6873% | 7,962 |
| Assets per employee ($millions) | 3.9460% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,913 |
| Loan loss allowance to noncurrent loans | 49.2809% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 4,707 |
| Noncurrent loans to loans | 2.2260% | 3,365 |
| Net loans and leases to total assets | 51.1497% | 6,515 |
| Net loans and leases to deposits | 61.2233% | 6,539 |
| Net loans and leases to core deposits | 71.1364% | 6,703 |
| Total domestic deposits to total assets | 83.5460% | 4,259 |
| Equity capital to assets | 10.5976% | 3,069 |
| Core capital (leverage) ratio | 10.3786% | 2,708 |
| Tier 1 risk-based capital ratio | 15.9777% | 2,536 |
| Total risk-based capital ratio | 16.8865% | 2,608 |
| Memoranda: | ||
| Average total assets | $284,389,600 | 2,316 |
| Average earning assets | $262,571,000 | 2,303 |
| Average equity | $26,147,400 | 2,513 |
| Average total loans | $178,990,800 | 2,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 6,652 |
| Cost of funding earning assets | 1.7658% | 4,548 |
| Net interest margin | 3.2170% | 5,958 |
| Noninterest income to average assets | 1.6601% | 532 |
| Noninterest expense to average assets | 3.2269% | 3,205 |
| Loan and lease loss provision to assets | 1.3745% | 1,400 |
| Net operating income to assets | 0.0417% | 5,623 |
| Return on assets (ROA) | 0.0417% | 5,659 |
| Pretax return on assets | 0.0417% | 5,624 |
| Return on Equity (ROE) | 0.4723% | 5,645 |
| Retained earnings to average equity (ytd only) | 0.4723% | 5,006 |
| Net charge-offs to loans | 2.4276% | 757 |
| Credit loss provision to net charge-offs | 85.9343% | 5,593 |
| Earnings coverage of net charge-offs (x) | 0.8854% | 5,176 |
| Efficiency ratio | 69.4991% | 4,695 |
| Assets per employee ($millions) | 3.6923% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 1,114 |
| Loan loss allowance to noncurrent loans | 38.8765% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 4.2823% | 1,452 |
| Noncurrent loans to loans | 6.2971% | 927 |
| Net loans and leases to total assets | 61.9126% | 5,261 |
| Net loans and leases to deposits | 73.3486% | 5,465 |
| Net loans and leases to core deposits | 85.5073% | 5,916 |
| Total domestic deposits to total assets | 84.4087% | 3,529 |
| Equity capital to assets | 9.1901% | 5,183 |
| Core capital (leverage) ratio | 8.9336% | 4,761 |
| Tier 1 risk-based capital ratio | 12.9123% | 4,257 |
| Total risk-based capital ratio | 14.1753% | 4,176 |
| Memoranda: | ||
| Average total assets | $281,498,750 | 2,350 |
| Average earning assets | $261,025,000 | 2,329 |
| Average equity | $24,843,250 | 2,649 |
| Average total loans | $185,474,000 | 2,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 6,684 |
| Cost of funding earning assets | 1.8104% | 4,709 |
| Net interest margin | 3.2158% | 5,857 |
| Noninterest income to average assets | 1.7765% | 465 |
| Noninterest expense to average assets | 3.3031% | 2,943 |
| Loan and lease loss provision to assets | 2.0597% | 781 |
| Net operating income to assets | -0.5997% | 6,658 |
| Return on assets (ROA) | -0.5997% | 6,664 |
| Pretax return on assets | -0.5997% | 6,523 |
| Return on Equity (ROE) | -6.8901% | 6,786 |
| Retained earnings to average equity (ytd only) | -6.8901% | 6,545 |
| Net charge-offs to loans | 3.5768% | 430 |
| Credit loss provision to net charge-offs | 86.3434% | 5,019 |
| Earnings coverage of net charge-offs (x) | 0.6120% | 5,098 |
| Efficiency ratio | 69.3488% | 4,911 |
| Assets per employee ($millions) | 3.4870% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 971 |
| Loan loss allowance to noncurrent loans | 37.8973% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 4.5404% | 1,230 |
| Noncurrent loans to loans | 6.3817% | 837 |
| Net loans and leases to total assets | 64.9166% | 4,779 |
| Net loans and leases to deposits | 76.2269% | 5,135 |
| Net loans and leases to core deposits | 88.6035% | 5,672 |
| Total domestic deposits to total assets | 85.1623% | 3,184 |
| Equity capital to assets | 8.8870% | 5,472 |
| Core capital (leverage) ratio | 8.5366% | 5,377 |
| Tier 1 risk-based capital ratio | 12.4948% | 4,527 |
| Total risk-based capital ratio | 13.7581% | 4,438 |
| Memoranda: | ||
| Average total assets | $281,792,330 | 2,367 |
| Average earning assets | $261,711,000 | 2,335 |
| Average equity | $24,528,000 | 2,684 |
| Average total loans | $187,932,670 | 2,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 7,095 |
| Cost of funding earning assets | 1.8557% | 4,847 |
| Net interest margin | 3.0769% | 6,264 |
| Noninterest income to average assets | 2.0049% | 364 |
| Noninterest expense to average assets | 3.2773% | 2,724 |
| Loan and lease loss provision to assets | 1.5138% | 828 |
| Net operating income to assets | 0.0753% | 6,053 |
| Return on assets (ROA) | 0.0753% | 6,220 |
| Pretax return on assets | 0.0753% | 6,220 |
| Return on Equity (ROE) | 0.8743% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.8743% | 5,307 |
| Net charge-offs to loans | 2.0101% | 719 |
| Credit loss provision to net charge-offs | 112.7859% | 3,439 |
| Earnings coverage of net charge-offs (x) | 1.1840% | 4,159 |
| Efficiency ratio | 67.3452% | 5,071 |
| Assets per employee ($millions) | 3.7782% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6444% | 654 |
| Loan loss allowance to noncurrent loans | 50.7005% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 3.3614% | 1,623 |
| Noncurrent loans to loans | 5.2157% | 1,020 |
| Net loans and leases to total assets | 62.7434% | 5,202 |
| Net loans and leases to deposits | 72.9925% | 5,614 |
| Net loans and leases to core deposits | 84.4458% | 6,031 |
| Total domestic deposits to total assets | 85.9587% | 2,749 |
| Equity capital to assets | 8.6171% | 5,892 |
| Core capital (leverage) ratio | 8.6059% | 5,331 |
| Tier 1 risk-based capital ratio | 12.6151% | 4,461 |
| Total risk-based capital ratio | 13.8814% | 4,366 |
| Memoranda: | ||
| Average total assets | $286,697,000 | 2,354 |
| Average earning assets | $266,632,000 | 2,316 |
| Average equity | $24,706,500 | 2,681 |
| Average total loans | $191,430,000 | 2,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4368% | 3,241 |
| Cost of funding earning assets | 2.3621% | 4,885 |
| Net interest margin | 4.0748% | 2,815 |
| Noninterest income to average assets | 0.9472% | 1,778 |
| Noninterest expense to average assets | 3.0160% | 4,031 |
| Loan and lease loss provision to assets | 2.6629% | 377 |
| Net operating income to assets | -0.9717% | 7,236 |
| Return on assets (ROA) | -0.9717% | 7,157 |
| Pretax return on assets | -0.9717% | 6,986 |
| Return on Equity (ROE) | -12.5268% | 7,463 |
| Retained earnings to average equity (ytd only) | -12.5268% | 7,289 |
| Net charge-offs to loans | 2.4310% | 407 |
| Credit loss provision to net charge-offs | 152.2601% | 3,438 |
| Earnings coverage of net charge-offs (x) | 0.9670% | 5,646 |
| Efficiency ratio | 64.0721% | 5,540 |
| Assets per employee ($millions) | 3.5309% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 702 |
| Loan loss allowance to noncurrent loans | 49.7992% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.4371% | 1,295 |
| Noncurrent loans to loans | 4.9696% | 890 |
| Net loans and leases to total assets | 67.4519% | 4,563 |
| Net loans and leases to deposits | 77.9194% | 5,353 |
| Net loans and leases to core deposits | 90.3292% | 5,777 |
| Total domestic deposits to total assets | 86.5662% | 2,151 |
| Equity capital to assets | 8.6181% | 5,902 |
| Core capital (leverage) ratio | 8.7850% | 5,063 |
| Tier 1 risk-based capital ratio | 11.8347% | 4,955 |
| Total risk-based capital ratio | 13.0985% | 4,850 |
| Memoranda: | ||
| Average total assets | $277,026,800 | 2,329 |
| Average earning assets | $255,623,000 | 2,320 |
| Average equity | $21,490,000 | 3,043 |
| Average total loans | $199,304,600 | 2,309 |