Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 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 | 3.4365% | 6,691 |
| Cost of funding earning assets | 0.4424% | 6,017 |
| Net interest margin | 2.9941% | 6,256 |
| Noninterest income to average assets | 0.3273% | 5,211 |
| Noninterest expense to average assets | 2.8195% | 3,938 |
| Loan and lease loss provision to assets | 0.0042% | 5,593 |
| Net operating income to assets | 0.3063% | 5,593 |
| Return on assets (ROA) | 0.3063% | 5,799 |
| Pretax return on assets | 0.3147% | 5,934 |
| Return on Equity (ROE) | 3.5483% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.5483% | 4,235 |
| Net charge-offs to loans | 0.0086% | 5,347 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 535 |
| Efficiency ratio | 86.3636% | 1,397 |
| Assets per employee ($millions) | 2.8742% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5708% | 470 |
| Loan loss allowance to noncurrent loans | 198.0050% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 4,629 |
| Noncurrent loans to loans | 1.8034% | 3,209 |
| Net loans and leases to total assets | 46.6262% | 5,770 |
| Net loans and leases to deposits | 51.4456% | 6,065 |
| Net loans and leases to core deposits | 51.4456% | 6,274 |
| Total domestic deposits to total assets | 90.6321% | 598 |
| Equity capital to assets | 9.0765% | 5,609 |
| Core capital (leverage) ratio | 8.4304% | 5,743 |
| Tier 1 risk-based capital ratio | 18.3095% | 2,193 |
| Total risk-based capital ratio | 19.5888% | 2,148 |
| Memoranda: | ||
| Average total assets | $47,667,330 | 6,392 |
| Average earning assets | $44,754,670 | 6,324 |
| Average equity | $4,114,670 | 6,652 |
| Average total loans | $23,278,670 | 6,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 6,758 |
| Cost of funding earning assets | 0.4583% | 6,091 |
| Net interest margin | 2.9880% | 6,314 |
| Noninterest income to average assets | 0.3134% | 5,375 |
| Noninterest expense to average assets | 2.8367% | 3,874 |
| Loan and lease loss provision to assets | -0.0082% | 7,098 |
| Net operating income to assets | 0.2721% | 5,741 |
| Return on assets (ROA) | 0.2721% | 5,905 |
| Pretax return on assets | 0.2804% | 6,016 |
| Return on Equity (ROE) | 3.2313% | 5,623 |
| Retained earnings to average equity (ytd only) | 3.2313% | 4,631 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7984% | 1,303 |
| Assets per employee ($millions) | 3.0297% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3391% | 602 |
| Loan loss allowance to noncurrent loans | 193.8875% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 4,340 |
| Noncurrent loans to loans | 1.7222% | 3,527 |
| Net loans and leases to total assets | 47.3564% | 5,638 |
| Net loans and leases to deposits | 51.8370% | 5,988 |
| Net loans and leases to core deposits | 52.1905% | 6,190 |
| Total domestic deposits to total assets | 91.3564% | 420 |
| Equity capital to assets | 8.4827% | 6,097 |
| Core capital (leverage) ratio | 8.1234% | 6,127 |
| Tier 1 risk-based capital ratio | 16.6196% | 2,857 |
| Total risk-based capital ratio | 17.8951% | 2,800 |
| Memoranda: | ||
| Average total assets | $48,507,500 | 6,417 |
| Average earning assets | $45,381,000 | 6,353 |
| Average equity | $4,085,000 | 6,696 |
| Average total loans | $23,800,000 | 6,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 6,650 |
| Cost of funding earning assets | 0.6607% | 5,763 |
| Net interest margin | 3.2093% | 6,067 |
| Noninterest income to average assets | 0.3794% | 4,793 |
| Noninterest expense to average assets | 2.8084% | 4,319 |
| Loan and lease loss provision to assets | 0.1311% | 4,974 |
| Net operating income to assets | 0.3396% | 5,106 |
| Return on assets (ROA) | 0.3396% | 5,265 |
| Pretax return on assets | 0.3535% | 5,419 |
| Return on Equity (ROE) | 4.3574% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,077 |
| Net charge-offs to loans | 0.3941% | 3,440 |
| Credit loss provision to net charge-offs | 64.0777% | 5,057 |
| Earnings coverage of net charge-offs (x) | 2.3689% | 4,034 |
| Efficiency ratio | 82.1472% | 1,998 |
| Assets per employee ($millions) | 3.0338% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3290% | 607 |
| Loan loss allowance to noncurrent loans | 187.2642% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,408 |
| Noncurrent loans to loans | 1.7777% | 3,498 |
| Net loans and leases to total assets | 47.5010% | 5,875 |
| Net loans and leases to deposits | 51.9068% | 6,226 |
| Net loans and leases to core deposits | 52.2597% | 6,414 |
| Total domestic deposits to total assets | 91.5122% | 332 |
| Equity capital to assets | 8.3601% | 6,294 |
| Core capital (leverage) ratio | 8.0307% | 6,226 |
| Tier 1 risk-based capital ratio | 16.2323% | 2,939 |
| Total risk-based capital ratio | 17.5099% | 2,890 |
| Memoranda: | ||
| Average total assets | $50,348,800 | 6,352 |
| Average earning assets | $45,711,400 | 6,341 |
| Average equity | $3,924,400 | 6,774 |
| Average total loans | $26,135,600 | 6,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 6,664 |
| Cost of funding earning assets | 0.7088% | 5,704 |
| Net interest margin | 3.2387% | 6,051 |
| Noninterest income to average assets | 0.3333% | 5,194 |
| Noninterest expense to average assets | 2.8266% | 4,247 |
| Loan and lease loss provision to assets | 0.1758% | 4,283 |
| Net operating income to assets | 0.2493% | 5,572 |
| Return on assets (ROA) | 0.2493% | 5,717 |
| Pretax return on assets | 0.2572% | 5,792 |
| Return on Equity (ROE) | 3.2552% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.2552% | 4,403 |
| Net charge-offs to loans | 0.2995% | 3,598 |
| Credit loss provision to net charge-offs | 111.6667% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.7499% | 3,756 |
| Efficiency ratio | 83.5749% | 1,776 |
| Assets per employee ($millions) | 2.6759% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3201% | 650 |
| Loan loss allowance to noncurrent loans | 155.7621% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 3,847 |
| Noncurrent loans to loans | 2.1315% | 3,205 |
| Net loans and leases to total assets | 50.6623% | 5,620 |
| Net loans and leases to deposits | 55.4075% | 6,082 |
| Net loans and leases to core deposits | 56.3335% | 6,291 |
| Total domestic deposits to total assets | 91.4359% | 313 |
| Equity capital to assets | 8.3171% | 6,467 |
| Core capital (leverage) ratio | 7.6983% | 6,640 |
| Tier 1 risk-based capital ratio | 15.0843% | 3,618 |
| Total risk-based capital ratio | 16.3601% | 3,571 |
| Memoranda: | ||
| Average total assets | $50,801,000 | 6,399 |
| Average earning assets | $45,901,750 | 6,389 |
| Average equity | $3,891,000 | 6,835 |
| Average total loans | $26,706,750 | 6,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 6,690 |
| Cost of funding earning assets | 0.7670% | 5,581 |
| Net interest margin | 3.2152% | 6,116 |
| Noninterest income to average assets | 0.3135% | 5,392 |
| Noninterest expense to average assets | 2.7671% | 4,557 |
| Loan and lease loss provision to assets | 0.1703% | 4,231 |
| Net operating income to assets | 0.2399% | 5,595 |
| Return on assets (ROA) | 0.2399% | 5,716 |
| Pretax return on assets | 0.2477% | 5,813 |
| Return on Equity (ROE) | 3.2185% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.2185% | 4,218 |
| Net charge-offs to loans | 0.4412% | 2,807 |
| Credit loss provision to net charge-offs | 73.3333% | 3,967 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 3,967 |
| Efficiency ratio | 83.7181% | 1,853 |
| Assets per employee ($millions) | 2.8442% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0260% | 874 |
| Loan loss allowance to noncurrent loans | 162.6747% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 3,871 |
| Noncurrent loans to loans | 1.8602% | 3,665 |
| Net loans and leases to total assets | 54.0175% | 5,294 |
| Net loans and leases to deposits | 58.8548% | 5,841 |
| Net loans and leases to core deposits | 59.4226% | 6,144 |
| Total domestic deposits to total assets | 91.7809% | 285 |
| Equity capital to assets | 8.0019% | 6,683 |
| Core capital (leverage) ratio | 7.4300% | 6,792 |
| Tier 1 risk-based capital ratio | 14.1720% | 4,041 |
| Total risk-based capital ratio | 15.4467% | 3,988 |
| Memoranda: | ||
| Average total assets | $51,679,330 | 6,423 |
| Average earning assets | $46,155,330 | 6,432 |
| Average equity | $3,852,670 | 6,886 |
| Average total loans | $27,195,670 | 6,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 6,767 |
| Cost of funding earning assets | 0.8476% | 5,287 |
| Net interest margin | 3.0995% | 6,351 |
| Noninterest income to average assets | 0.2699% | 5,742 |
| Noninterest expense to average assets | 2.7070% | 4,811 |
| Loan and lease loss provision to assets | 0.0075% | 5,788 |
| Net operating income to assets | 0.2624% | 5,572 |
| Return on assets (ROA) | 0.2624% | 5,633 |
| Pretax return on assets | 0.2699% | 5,750 |
| Return on Equity (ROE) | 3.6416% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,993 |
| Net charge-offs to loans | 0.8783% | 1,505 |
| Credit loss provision to net charge-offs | 1.6667% | 4,462 |
| Earnings coverage of net charge-offs (x) | 0.6167% | 4,168 |
| Efficiency ratio | 87.4372% | 1,577 |
| Assets per employee ($millions) | 3.0754% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8839% | 1,026 |
| Loan loss allowance to noncurrent loans | 142.9630% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 3,840 |
| Noncurrent loans to loans | 2.0173% | 3,553 |
| Net loans and leases to total assets | 49.7246% | 5,887 |
| Net loans and leases to deposits | 53.7895% | 6,306 |
| Net loans and leases to core deposits | 54.9341% | 6,490 |
| Total domestic deposits to total assets | 92.4429% | 183 |
| Equity capital to assets | 7.3830% | 6,933 |
| Core capital (leverage) ratio | 6.7726% | 7,090 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,190 |
| Total risk-based capital ratio | 15.1039% | 4,149 |
| Memoranda: | ||
| Average total assets | $53,343,500 | 6,400 |
| Average earning assets | $46,717,500 | 6,465 |
| Average equity | $3,844,500 | 6,925 |
| Average total loans | $27,327,000 | 6,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 7,041 |
| Cost of funding earning assets | 1.0534% | 5,411 |
| Net interest margin | 3.0525% | 6,632 |
| Noninterest income to average assets | 0.1071% | 6,858 |
| Noninterest expense to average assets | 2.6875% | 5,042 |
| Loan and lease loss provision to assets | 0.9382% | 1,739 |
| Net operating income to assets | -0.7064% | 6,521 |
| Return on assets (ROA) | -0.6805% | 6,539 |
| Pretax return on assets | -0.7150% | 6,466 |
| Return on Equity (ROE) | -8.9898% | 6,675 |
| Retained earnings to average equity (ytd only) | -9.4213% | 6,634 |
| Net charge-offs to loans | 1.1927% | 1,868 |
| Credit loss provision to net charge-offs | 152.9586% | 2,338 |
| Earnings coverage of net charge-offs (x) | 0.3195% | 5,790 |
| Efficiency ratio | 89.9308% | 1,332 |
| Assets per employee ($millions) | 3.2003% | 5,665 |
| Cash dividends to net income (ytd only)* | -4.8000% | 7,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9801% | 886 |
| Loan loss allowance to noncurrent loans | 143.5233% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.5826% | 3,931 |
| Noncurrent loans to loans | 2.0764% | 3,454 |
| Net loans and leases to total assets | 49.7270% | 6,190 |
| Net loans and leases to deposits | 53.5765% | 6,637 |
| Net loans and leases to core deposits | 54.6645% | 6,775 |
| Total domestic deposits to total assets | 92.8150% | 156 |
| Equity capital to assets | 7.0380% | 7,101 |
| Core capital (leverage) ratio | 6.9258% | 7,059 |
| Tier 1 risk-based capital ratio | 14.0442% | 3,842 |
| Total risk-based capital ratio | 15.3189% | 3,793 |
| Memoranda: | ||
| Average total assets | $55,107,200 | 6,368 |
| Average earning assets | $50,123,200 | 6,362 |
| Average equity | $4,171,400 | 6,934 |
| Average total loans | $28,338,200 | 6,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 7,229 |
| Cost of funding earning assets | 1.0974% | 5,432 |
| Net interest margin | 2.9712% | 6,891 |
| Noninterest income to average assets | 0.3135% | 5,643 |
| Noninterest expense to average assets | 2.6506% | 5,110 |
| Loan and lease loss provision to assets | 0.4076% | 3,458 |
| Net operating income to assets | 0.0265% | 5,941 |
| Return on assets (ROA) | 0.0627% | 5,997 |
| Pretax return on assets | 0.0603% | 5,988 |
| Return on Equity (ROE) | 0.8144% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.2506% | 5,679 |
| Net charge-offs to loans | 1.5840% | 1,251 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 0.5296% | 5,498 |
| Efficiency ratio | 82.9421% | 1,954 |
| Assets per employee ($millions) | 2.8603% | 6,466 |
| Cash dividends to net income (ytd only)* | 69.2241% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,795 |
| Loan loss allowance to noncurrent loans | 83.4197% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.2783% | 3,107 |
| Noncurrent loans to loans | 2.1543% | 3,505 |
| Net loans and leases to total assets | 51.2654% | 6,195 |
| Net loans and leases to deposits | 56.0251% | 6,616 |
| Net loans and leases to core deposits | 56.8971% | 6,793 |
| Total domestic deposits to total assets | 91.5043% | 306 |
| Equity capital to assets | 8.2335% | 6,573 |
| Core capital (leverage) ratio | 7.1769% | 7,069 |
| Tier 1 risk-based capital ratio | 15.1522% | 3,180 |
| Total risk-based capital ratio | 16.4092% | 3,152 |
| Memoranda: | ||
| Average total assets | $55,282,750 | 6,438 |
| Average earning assets | $51,515,750 | 6,383 |
| Average equity | $4,257,000 | 6,990 |
| Average total loans | $28,451,500 | 6,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 7,355 |
| Cost of funding earning assets | 1.1487% | 5,412 |
| Net interest margin | 2.8623% | 7,063 |
| Noninterest income to average assets | 0.3183% | 5,607 |
| Noninterest expense to average assets | 2.5677% | 5,464 |
| Loan and lease loss provision to assets | 0.2264% | 4,641 |
| Net operating income to assets | 0.1945% | 5,582 |
| Return on assets (ROA) | 0.1768% | 5,768 |
| Pretax return on assets | 0.1768% | 5,827 |
| Return on Equity (ROE) | 2.3458% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.5013% | 5,122 |
| Net charge-offs to loans | 0.1311% | 4,896 |
| Credit loss provision to net charge-offs | 336.8421% | 1,079 |
| Earnings coverage of net charge-offs (x) | 6.2632% | 2,492 |
| Efficiency ratio | 82.8402% | 2,063 |
| Assets per employee ($millions) | 3.2227% | 5,629 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3196% | 1,554 |
| Loan loss allowance to noncurrent loans | 60.2420% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 2,994 |
| Noncurrent loans to loans | 3.8505% | 1,991 |
| Net loans and leases to total assets | 50.5982% | 6,365 |
| Net loans and leases to deposits | 54.7593% | 6,812 |
| Net loans and leases to core deposits | 56.4573% | 6,914 |
| Total domestic deposits to total assets | 92.4010% | 164 |
| Equity capital to assets | 7.3748% | 7,178 |
| Core capital (leverage) ratio | 7.2066% | 7,066 |
| Tier 1 risk-based capital ratio | 13.2960% | 4,212 |
| Total risk-based capital ratio | 14.5583% | 4,164 |
| Memoranda: | ||
| Average total assets | $56,548,670 | 6,445 |
| Average earning assets | $52,755,000 | 6,377 |
| Average equity | $4,263,000 | 7,026 |
| Average total loans | $28,976,330 | 6,582 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 7,360 |
| Cost of funding earning assets | 1.2648% | 5,042 |
| Net interest margin | 2.8536% | 7,093 |
| Noninterest income to average assets | 0.3010% | 5,743 |
| Noninterest expense to average assets | 2.6013% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3440% | 5,108 |
| Return on assets (ROA) | 0.3440% | 5,233 |
| Pretax return on assets | 0.3511% | 5,456 |
| Return on Equity (ROE) | 4.5118% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.5118% | 3,452 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9515% | 1,913 |
| Assets per employee ($millions) | 3.0153% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 1,531 |
| Loan loss allowance to noncurrent loans | 51.1774% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8005% | 2,597 |
| Noncurrent loans to loans | 4.5505% | 1,630 |
| Net loans and leases to total assets | 50.3814% | 6,432 |
| Net loans and leases to deposits | 54.8271% | 6,863 |
| Net loans and leases to core deposits | 56.3060% | 6,975 |
| Total domestic deposits to total assets | 91.8914% | 264 |
| Equity capital to assets | 7.8875% | 6,771 |
| Core capital (leverage) ratio | 7.2557% | 7,066 |
| Tier 1 risk-based capital ratio | 14.4606% | 3,406 |
| Total risk-based capital ratio | 15.7241% | 3,362 |
| Memoranda: | ||
| Average total assets | $55,819,000 | 6,540 |
| Average earning assets | $51,865,000 | 6,479 |
| Average equity | $4,255,500 | 7,097 |
| Average total loans | $28,440,500 | 6,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 7,319 |
| Cost of funding earning assets | 1.7503% | 4,254 |
| Net interest margin | 2.8197% | 7,029 |
| Noninterest income to average assets | 0.3159% | 5,822 |
| Noninterest expense to average assets | 2.8258% | 4,859 |
| Loan and lease loss provision to assets | 0.6587% | 3,178 |
| Net operating income to assets | -0.5202% | 6,203 |
| Return on assets (ROA) | -0.5202% | 6,192 |
| Pretax return on assets | -0.5456% | 6,050 |
| Return on Equity (ROE) | -6.7925% | 6,372 |
| Retained earnings to average equity (ytd only) | -9.8139% | 6,505 |
| Net charge-offs to loans | 0.4410% | 4,035 |
| Credit loss provision to net charge-offs | 276.5957% | 1,239 |
| Earnings coverage of net charge-offs (x) | 0.4752% | 5,634 |
| Efficiency ratio | 93.1609% | 1,474 |
| Assets per employee ($millions) | 2.8681% | 6,523 |
| Cash dividends to net income (ytd only)* | -44.4805% | 7,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 1,553 |
| Loan loss allowance to noncurrent loans | 134.9896% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 4,303 |
| Noncurrent loans to loans | 1.6722% | 4,144 |
| Net loans and leases to total assets | 49.2173% | 6,709 |
| Net loans and leases to deposits | 53.2699% | 7,097 |
| Net loans and leases to core deposits | 65.0237% | 7,030 |
| Total domestic deposits to total assets | 92.3922% | 199 |
| Equity capital to assets | 7.3742% | 7,141 |
| Core capital (leverage) ratio | 6.6698% | 7,425 |
| Tier 1 risk-based capital ratio | 12.3964% | 4,597 |
| Total risk-based capital ratio | 13.6555% | 4,554 |
| Memoranda: | ||
| Average total assets | $59,204,200 | 6,380 |
| Average earning assets | $55,077,600 | 6,333 |
| Average equity | $4,534,400 | 7,103 |
| Average total loans | $31,971,800 | 6,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 7,328 |
| Cost of funding earning assets | 1.8157% | 4,310 |
| Net interest margin | 2.8566% | 6,950 |
| Noninterest income to average assets | 0.3240% | 5,889 |
| Noninterest expense to average assets | 2.7777% | 4,989 |
| Loan and lease loss provision to assets | 0.7352% | 2,538 |
| Net operating income to assets | -0.5028% | 6,425 |
| Return on assets (ROA) | -0.5028% | 6,429 |
| Pretax return on assets | -0.5274% | 6,334 |
| Return on Equity (ROE) | -6.5067% | 6,607 |
| Retained earnings to average equity (ytd only) | -10.4685% | 6,849 |
| Net charge-offs to loans | 0.5742% | 2,956 |
| Credit loss provision to net charge-offs | 233.3333% | 1,872 |
| Earnings coverage of net charge-offs (x) | 0.6596% | 5,373 |
| Efficiency ratio | 90.1198% | 1,679 |
| Assets per employee ($millions) | 2.8022% | 6,643 |
| Cash dividends to net income (ytd only)* | -60.8887% | 7,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 1,650 |
| Loan loss allowance to noncurrent loans | 66.8552% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5022% | 4,114 |
| Noncurrent loans to loans | 3.0950% | 2,440 |
| Net loans and leases to total assets | 47.5325% | 6,997 |
| Net loans and leases to deposits | 51.4816% | 7,333 |
| Net loans and leases to core deposits | 65.2644% | 7,194 |
| Total domestic deposits to total assets | 92.3291% | 137 |
| Equity capital to assets | 7.3361% | 7,407 |
| Core capital (leverage) ratio | 6.8094% | 7,540 |
| Tier 1 risk-based capital ratio | 12.7425% | 4,356 |
| Total risk-based capital ratio | 13.9991% | 4,302 |
| Memoranda: | ||
| Average total assets | $59,664,750 | 6,402 |
| Average earning assets | $55,588,750 | 6,357 |
| Average equity | $4,610,500 | 7,141 |
| Average total loans | $32,743,750 | 6,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 7,233 |
| Cost of funding earning assets | 1.8482% | 4,523 |
| Net interest margin | 2.9485% | 6,687 |
| Noninterest income to average assets | 0.3103% | 6,022 |
| Noninterest expense to average assets | 2.8129% | 4,904 |
| Loan and lease loss provision to assets | 0.7374% | 2,222 |
| Net operating income to assets | -0.5039% | 6,549 |
| Return on assets (ROA) | -0.5039% | 6,563 |
| Pretax return on assets | -0.5039% | 6,426 |
| Return on Equity (ROE) | -6.4142% | 6,750 |
| Retained earnings to average equity (ytd only) | -12.2336% | 7,067 |
| Net charge-offs to loans | -0.0059% | 7,543 |
| Credit loss provision to net charge-offs | -22,100.0000% | 7,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4852% | 1,860 |
| Assets per employee ($millions) | 2.6597% | 6,929 |
| Cash dividends to net income (ytd only)* | -90.7285% | 8,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 1,668 |
| Loan loss allowance to noncurrent loans | 65.1042% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 3,745 |
| Noncurrent loans to loans | 2.9974% | 2,409 |
| Net loans and leases to total assets | 53.6675% | 6,500 |
| Net loans and leases to deposits | 58.3428% | 6,997 |
| Net loans and leases to core deposits | 75.3142% | 6,716 |
| Total domestic deposits to total assets | 91.9865% | 219 |
| Equity capital to assets | 7.6187% | 7,159 |
| Core capital (leverage) ratio | 6.9384% | 7,579 |
| Tier 1 risk-based capital ratio | 11.8722% | 5,023 |
| Total risk-based capital ratio | 13.1300% | 4,930 |
| Memoranda: | ||
| Average total assets | $59,937,670 | 6,448 |
| Average earning assets | $55,622,000 | 6,409 |
| Average equity | $4,708,330 | 7,169 |
| Average total loans | $34,137,670 | 6,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 6,657 |
| Cost of funding earning assets | 1.8358% | 4,938 |
| Net interest margin | 3.2588% | 5,663 |
| Noninterest income to average assets | 0.3561% | 5,595 |
| Noninterest expense to average assets | 2.5194% | 5,765 |
| Loan and lease loss provision to assets | 0.0660% | 6,124 |
| Net operating income to assets | 0.7651% | 3,280 |
| Return on assets (ROA) | 0.7651% | 3,453 |
| Pretax return on assets | 0.7914% | 4,107 |
| Return on Equity (ROE) | 9.5997% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.2964% | 2,962 |
| Net charge-offs to loans | -0.0114% | 7,305 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0703% | 4,182 |
| Assets per employee ($millions) | 2.8254% | 6,583 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.3673% | 6,187 |
| Net loans and leases to deposits | 61.5477% | 6,771 |
| Net loans and leases to core deposits | 77.3653% | 6,584 |
| Total domestic deposits to total assets | 91.5832% | 255 |
| Equity capital to assets | 8.1471% | 6,602 |
| Core capital (leverage) ratio | 7.4937% | 7,163 |
| Tier 1 risk-based capital ratio | 12.4235% | 4,592 |
| Total risk-based capital ratio | 13.5856% | 4,590 |
| Memoranda: | ||
| Average total assets | $60,649,500 | 6,451 |
| Average earning assets | $56,216,500 | 6,407 |
| Average equity | $4,833,500 | 7,175 |
| Average total loans | $35,192,500 | 6,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 7,397 |
| Cost of funding earning assets | 2.4678% | 4,378 |
| Net interest margin | 2.9808% | 6,968 |
| Noninterest income to average assets | 0.3491% | 5,942 |
| Noninterest expense to average assets | 2.6400% | 5,489 |
| Loan and lease loss provision to assets | 0.0316% | 7,012 |
| Net operating income to assets | 0.4622% | 4,896 |
| Return on assets (ROA) | 0.4622% | 4,716 |
| Pretax return on assets | 0.4788% | 5,041 |
| Return on Equity (ROE) | 5.8831% | 3,992 |
| Retained earnings to average equity (ytd only) | 1.2274% | 4,487 |
| Net charge-offs to loans | 0.0213% | 6,561 |
| Credit loss provision to net charge-offs | 271.4286% | 1,693 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 835 |
| Efficiency ratio | 81.0554% | 2,438 |
| Assets per employee ($millions) | 2.9507% | 6,172 |
| Cash dividends to net income (ytd only)* | 79.1367% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.2958% | 6,162 |
| Net loans and leases to deposits | 68.1913% | 6,443 |
| Net loans and leases to core deposits | 82.8205% | 6,392 |
| Total domestic deposits to total assets | 85.4886% | 2,632 |
| Equity capital to assets | 7.7996% | 7,096 |
| Core capital (leverage) ratio | 7.3338% | 7,383 |
| Tier 1 risk-based capital ratio | 11.3953% | 5,335 |
| Total risk-based capital ratio | 12.4512% | 5,420 |
| Memoranda: | ||
| Average total assets | $60,150,600 | 6,377 |
| Average earning assets | $56,528,400 | 6,324 |
| Average equity | $4,725,400 | 7,243 |
| Average total loans | $32,909,800 | 6,557 |