Home > First Farmers & Merchants National Bank > Performance and Condition Ratios
First Farmers & Merchants National Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 2,276 |
| Cost of funding earning assets | 0.4580% | 4,341 |
| Net interest margin | 4.0213% | 1,789 |
| Noninterest income to average assets | 0.8316% | 2,060 |
| Noninterest expense to average assets | 3.0474% | 2,847 |
| Loan and lease loss provision to assets | 1.3323% | 111 |
| Net operating income to assets | 0.1556% | 6,015 |
| Return on assets (ROA) | 0.1556% | 6,125 |
| Pretax return on assets | 0.1574% | 6,147 |
| Return on Equity (ROE) | 1.2237% | 6,162 |
| Retained earnings to average equity (ytd only) | 1.1675% | 5,434 |
| Net charge-offs to loans | 2.5542% | 142 |
| Credit loss provision to net charge-offs | 79.2553% | 2,640 |
| Earnings coverage of net charge-offs (x) | 0.8862% | 4,233 |
| Efficiency ratio | 67.1659% | 4,329 |
| Assets per employee ($millions) | 4.1319% | 3,513 |
| Cash dividends to net income (ytd only)* | 4.5977% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,356 |
| Loan loss allowance to noncurrent loans | 60.2519% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 2,776 |
| Noncurrent loans to loans | 1.8631% | 2,543 |
| Net loans and leases to total assets | 67.9796% | 2,235 |
| Net loans and leases to deposits | 82.1282% | 2,043 |
| Net loans and leases to core deposits | 83.4770% | 2,629 |
| Total domestic deposits to total assets | 82.7725% | 4,790 |
| Equity capital to assets | 12.6784% | 1,482 |
| Core capital (leverage) ratio | 10.3852% | 3,003 |
| Tier 1 risk-based capital ratio | 12.8370% | 5,270 |
| Total risk-based capital ratio | 13.8383% | 5,377 |
| Memoranda: | ||
| Average total assets | $111,833,000 | 4,542 |
| Average earning assets | $103,050,000 | 4,493 |
| Average equity | $14,218,670 | 4,105 |
| Average total loans | $73,604,670 | 4,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,906 |
| Cost of funding earning assets | 0.4791% | 4,287 |
| Net interest margin | 4.0977% | 1,472 |
| Noninterest income to average assets | 0.9824% | 1,514 |
| Noninterest expense to average assets | 3.1937% | 2,372 |
| Loan and lease loss provision to assets | 2.6079% | 38 |
| Net operating income to assets | -1.0610% | 6,825 |
| Return on assets (ROA) | -1.0610% | 6,834 |
| Pretax return on assets | -1.0610% | 6,817 |
| Return on Equity (ROE) | -8.3333% | 6,769 |
| Retained earnings to average equity (ytd only) | -8.4456% | 6,550 |
| Net charge-offs to loans | 4.8017% | 46 |
| Credit loss provision to net charge-offs | 84.3931% | 2,104 |
| Earnings coverage of net charge-offs (x) | 0.5006% | 3,653 |
| Efficiency ratio | 67.3700% | 4,434 |
| Assets per employee ($millions) | 3.9873% | 3,977 |
| Cash dividends to net income (ytd only)* | -1.3468% | 6,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,781 |
| Loan loss allowance to noncurrent loans | 60.7921% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7769% | 2,635 |
| Noncurrent loans to loans | 2.1106% | 2,490 |
| Net loans and leases to total assets | 65.8192% | 2,400 |
| Net loans and leases to deposits | 76.9638% | 2,493 |
| Net loans and leases to core deposits | 79.5400% | 2,864 |
| Total domestic deposits to total assets | 85.5198% | 3,786 |
| Equity capital to assets | 13.0786% | 1,393 |
| Core capital (leverage) ratio | 10.0207% | 3,353 |
| Tier 1 risk-based capital ratio | 12.9735% | 5,242 |
| Total risk-based capital ratio | 14.0951% | 5,290 |
| Memoranda: | ||
| Average total assets | $111,969,500 | 4,580 |
| Average earning assets | $102,692,500 | 4,547 |
| Average equity | $14,256,000 | 4,146 |
| Average total loans | $72,057,500 | 4,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 2,994 |
| Cost of funding earning assets | 0.5614% | 4,719 |
| Net interest margin | 4.0404% | 2,236 |
| Noninterest income to average assets | 0.7288% | 2,590 |
| Noninterest expense to average assets | 2.9582% | 3,438 |
| Loan and lease loss provision to assets | 0.0182% | 5,674 |
| Net operating income to assets | 1.4750% | 968 |
| Return on assets (ROA) | 1.4750% | 1,073 |
| Pretax return on assets | 1.4750% | 1,761 |
| Return on Equity (ROE) | 11.5027% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.1502% | 2,605 |
| Net charge-offs to loans | 0.2771% | 3,278 |
| Credit loss provision to net charge-offs | 10.1010% | 5,394 |
| Earnings coverage of net charge-offs (x) | 8.2677% | 2,439 |
| Efficiency ratio | 66.4549% | 4,421 |
| Assets per employee ($millions) | 4.8451% | 2,423 |
| Cash dividends to net income (ytd only)* | 55.2257% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 3,896 |
| Loan loss allowance to noncurrent loans | 31.4660% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 3.3849% | 1,359 |
| Noncurrent loans to loans | 4.6395% | 907 |
| Net loans and leases to total assets | 61.2984% | 3,371 |
| Net loans and leases to deposits | 70.9781% | 3,564 |
| Net loans and leases to core deposits | 74.9477% | 3,664 |
| Total domestic deposits to total assets | 86.3625% | 3,169 |
| Equity capital to assets | 12.4112% | 1,773 |
| Core capital (leverage) ratio | 10.2089% | 3,125 |
| Tier 1 risk-based capital ratio | 13.2200% | 4,948 |
| Total risk-based capital ratio | 14.4690% | 4,891 |
| Memoranda: | ||
| Average total assets | $109,629,200 | 4,600 |
| Average earning assets | $101,004,000 | 4,573 |
| Average equity | $14,057,600 | 4,145 |
| Average total loans | $71,448,800 | 4,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,820 |
| Cost of funding earning assets | 0.5817% | 4,830 |
| Net interest margin | 4.1144% | 2,039 |
| Noninterest income to average assets | 0.7434% | 2,514 |
| Noninterest expense to average assets | 3.0009% | 3,231 |
| Loan and lease loss provision to assets | 0.0247% | 5,477 |
| Net operating income to assets | 1.5264% | 976 |
| Return on assets (ROA) | 1.5264% | 1,082 |
| Pretax return on assets | 1.5264% | 1,787 |
| Return on Equity (ROE) | 11.8015% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.0631% | 2,664 |
| Net charge-offs to loans | 0.3856% | 2,548 |
| Credit loss provision to net charge-offs | 9.7087% | 5,082 |
| Earnings coverage of net charge-offs (x) | 6.0971% | 2,853 |
| Efficiency ratio | 65.9251% | 4,462 |
| Assets per employee ($millions) | 4.3422% | 3,182 |
| Cash dividends to net income (ytd only)* | 48.6244% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,104 |
| Loan loss allowance to noncurrent loans | 24.0486% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 4.5517% | 1,010 |
| Noncurrent loans to loans | 6.0807% | 664 |
| Net loans and leases to total assets | 65.1160% | 2,815 |
| Net loans and leases to deposits | 76.1974% | 2,951 |
| Net loans and leases to core deposits | 78.8264% | 3,349 |
| Total domestic deposits to total assets | 85.4570% | 3,539 |
| Equity capital to assets | 13.2644% | 1,468 |
| Core capital (leverage) ratio | 10.3212% | 3,139 |
| Tier 1 risk-based capital ratio | 13.1739% | 5,108 |
| Total risk-based capital ratio | 14.4239% | 5,079 |
| Memoranda: | ||
| Average total assets | $107,966,000 | 4,687 |
| Average earning assets | $99,939,750 | 4,646 |
| Average equity | $13,964,000 | 4,202 |
| Average total loans | $71,227,250 | 4,353 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 2,848 |
| Cost of funding earning assets | 0.5885% | 5,000 |
| Net interest margin | 4.1294% | 1,973 |
| Noninterest income to average assets | 0.7646% | 2,352 |
| Noninterest expense to average assets | 3.0175% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5774% | 873 |
| Return on assets (ROA) | 1.5774% | 980 |
| Pretax return on assets | 1.5756% | 1,622 |
| Return on Equity (ROE) | 12.3019% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.3115% | 3,086 |
| Net charge-offs to loans | -0.0366% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6970% | 4,587 |
| Assets per employee ($millions) | 4.0541% | 3,759 |
| Cash dividends to net income (ytd only)* | 56.8235% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 3,237 |
| Loan loss allowance to noncurrent loans | 25.3813% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 4.8748% | 992 |
| Noncurrent loans to loans | 6.6868% | 605 |
| Net loans and leases to total assets | 66.0372% | 2,663 |
| Net loans and leases to deposits | 78.9724% | 2,527 |
| Net loans and leases to core deposits | 81.0870% | 3,072 |
| Total domestic deposits to total assets | 83.6207% | 4,477 |
| Equity capital to assets | 12.8621% | 1,589 |
| Core capital (leverage) ratio | 10.1277% | 3,228 |
| Tier 1 risk-based capital ratio | 12.6558% | 5,452 |
| Total risk-based capital ratio | 13.9085% | 5,426 |
| Memoranda: | ||
| Average total assets | $107,770,000 | 4,721 |
| Average earning assets | $99,918,670 | 4,669 |
| Average equity | $13,819,000 | 4,230 |
| Average total loans | $71,058,000 | 4,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 2,624 |
| Cost of funding earning assets | 0.6140% | 5,018 |
| Net interest margin | 4.1893% | 1,786 |
| Noninterest income to average assets | 0.8080% | 2,127 |
| Noninterest expense to average assets | 3.0526% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6385% | 809 |
| Return on assets (ROA) | 1.6385% | 903 |
| Pretax return on assets | 1.6348% | 1,470 |
| Return on Equity (ROE) | 12.7986% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.3928% | 2,233 |
| Net charge-offs to loans | -0.0057% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1237% | 4,713 |
| Assets per employee ($millions) | 4.1230% | 3,741 |
| Cash dividends to net income (ytd only)* | 42.2374% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 3,182 |
| Loan loss allowance to noncurrent loans | 29.5694% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 4.3331% | 1,246 |
| Noncurrent loans to loans | 5.8970% | 859 |
| Net loans and leases to total assets | 64.9704% | 2,656 |
| Net loans and leases to deposits | 78.1988% | 2,471 |
| Net loans and leases to core deposits | 81.4509% | 2,904 |
| Total domestic deposits to total assets | 83.0836% | 4,893 |
| Equity capital to assets | 12.8575% | 1,509 |
| Core capital (leverage) ratio | 10.1613% | 3,161 |
| Tier 1 risk-based capital ratio | 12.9037% | 5,281 |
| Total risk-based capital ratio | 14.1567% | 5,252 |
| Memoranda: | ||
| Average total assets | $106,924,500 | 4,771 |
| Average earning assets | $99,015,000 | 4,717 |
| Average equity | $13,689,000 | 4,260 |
| Average total loans | $69,820,500 | 4,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 4,000 |
| Cost of funding earning assets | 0.7806% | 4,998 |
| Net interest margin | 3.9764% | 3,001 |
| Noninterest income to average assets | 0.1125% | 6,587 |
| Noninterest expense to average assets | 2.9173% | 3,891 |
| Loan and lease loss provision to assets | 0.2883% | 3,360 |
| Net operating income to assets | 0.5756% | 4,115 |
| Return on assets (ROA) | 0.5756% | 4,300 |
| Pretax return on assets | 0.5784% | 4,749 |
| Return on Equity (ROE) | 4.7344% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.5909% | 5,077 |
| Net charge-offs to loans | 0.0314% | 6,010 |
| Credit loss provision to net charge-offs | 1,409.0909% | 157 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 643 |
| Efficiency ratio | 77.0951% | 2,728 |
| Assets per employee ($millions) | 4.2660% | 3,329 |
| Cash dividends to net income (ytd only)* | 66.3974% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,885 |
| Loan loss allowance to noncurrent loans | 37.8760% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 3.3521% | 1,768 |
| Noncurrent loans to loans | 4.7384% | 1,233 |
| Net loans and leases to total assets | 63.3130% | 3,329 |
| Net loans and leases to deposits | 73.8912% | 3,517 |
| Net loans and leases to core deposits | 79.1356% | 3,561 |
| Total domestic deposits to total assets | 85.6841% | 3,489 |
| Equity capital to assets | 12.7472% | 1,628 |
| Core capital (leverage) ratio | 9.8038% | 3,602 |
| Tier 1 risk-based capital ratio | 12.9207% | 5,138 |
| Total risk-based capital ratio | 14.1748% | 5,112 |
| Memoranda: | ||
| Average total assets | $107,532,000 | 4,694 |
| Average earning assets | $99,287,000 | 4,654 |
| Average equity | $13,074,400 | 4,329 |
| Average total loans | $69,962,600 | 4,494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 4,157 |
| Cost of funding earning assets | 0.8107% | 5,080 |
| Net interest margin | 3.9569% | 3,121 |
| Noninterest income to average assets | 0.1918% | 6,218 |
| Noninterest expense to average assets | 2.9462% | 3,756 |
| Loan and lease loss provision to assets | 0.3836% | 2,558 |
| Net operating income to assets | 0.5123% | 4,493 |
| Return on assets (ROA) | 0.5123% | 4,682 |
| Pretax return on assets | 0.5160% | 5,114 |
| Return on Equity (ROE) | 4.2644% | 4,885 |
| Retained earnings to average equity (ytd only) | 0.0309% | 5,945 |
| Net charge-offs to loans | 0.0531% | 5,442 |
| Credit loss provision to net charge-offs | 1,107.1429% | 243 |
| Earnings coverage of net charge-offs (x) | 25.9660% | 1,032 |
| Efficiency ratio | 76.6088% | 2,747 |
| Assets per employee ($millions) | 4.2418% | 3,376 |
| Cash dividends to net income (ytd only)* | 99.2753% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 3,114 |
| Loan loss allowance to noncurrent loans | 37.0739% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 3.8314% | 1,616 |
| Noncurrent loans to loans | 4.7129% | 1,366 |
| Net loans and leases to total assets | 65.1704% | 3,071 |
| Net loans and leases to deposits | 75.0331% | 3,505 |
| Net loans and leases to core deposits | 77.4316% | 3,983 |
| Total domestic deposits to total assets | 86.8556% | 2,742 |
| Equity capital to assets | 12.6833% | 1,798 |
| Core capital (leverage) ratio | 9.7698% | 3,743 |
| Tier 1 risk-based capital ratio | 12.3741% | 5,603 |
| Total risk-based capital ratio | 13.6268% | 5,587 |
| Memoranda: | ||
| Average total assets | $107,752,250 | 4,720 |
| Average earning assets | $99,502,000 | 4,682 |
| Average equity | $12,944,250 | 4,362 |
| Average total loans | $70,263,750 | 4,515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 4,436 |
| Cost of funding earning assets | 0.8437% | 5,110 |
| Net interest margin | 3.8788% | 3,398 |
| Noninterest income to average assets | -0.0351% | 7,242 |
| Noninterest expense to average assets | 2.8729% | 4,134 |
| Loan and lease loss provision to assets | 0.0369% | 5,849 |
| Net operating income to assets | 0.6333% | 3,896 |
| Return on assets (ROA) | 0.6333% | 4,018 |
| Pretax return on assets | 0.6370% | 4,624 |
| Return on Equity (ROE) | 5.3696% | 4,271 |
| Retained earnings to average equity (ytd only) | -1.0645% | 6,064 |
| Net charge-offs to loans | -0.0057% | 6,600 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9995% | 2,243 |
| Assets per employee ($millions) | 4.4509% | 2,926 |
| Cash dividends to net income (ytd only)* | 119.8251% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 4,715 |
| Loan loss allowance to noncurrent loans | 49.9484% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.5145% | 2,648 |
| Noncurrent loans to loans | 2.7481% | 2,654 |
| Net loans and leases to total assets | 65.1127% | 3,233 |
| Net loans and leases to deposits | 74.6047% | 3,705 |
| Net loans and leases to core deposits | 76.7018% | 4,228 |
| Total domestic deposits to total assets | 87.2768% | 2,585 |
| Equity capital to assets | 12.2635% | 1,927 |
| Core capital (leverage) ratio | 9.6361% | 3,752 |
| Tier 1 risk-based capital ratio | 12.2197% | 5,587 |
| Total risk-based capital ratio | 13.4079% | 5,635 |
| Memoranda: | ||
| Average total assets | $108,321,330 | 4,752 |
| Average earning assets | $100,030,670 | 4,707 |
| Average equity | $12,775,670 | 4,390 |
| Average total loans | $70,238,670 | 4,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 4,511 |
| Cost of funding earning assets | 0.8588% | 5,222 |
| Net interest margin | 3.8446% | 3,395 |
| Noninterest income to average assets | 0.5208% | 3,721 |
| Noninterest expense to average assets | 2.8202% | 4,373 |
| Loan and lease loss provision to assets | 0.0733% | 5,085 |
| Net operating income to assets | 1.1662% | 1,603 |
| Return on assets (ROA) | 1.1662% | 1,660 |
| Pretax return on assets | 1.1735% | 2,470 |
| Return on Equity (ROE) | 10.0844% | 2,065 |
| Retained earnings to average equity (ytd only) | 0.6977% | 5,546 |
| Net charge-offs to loans | 0.0399% | 4,554 |
| Credit loss provision to net charge-offs | 285.7143% | 1,113 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 592 |
| Efficiency ratio | 69.3417% | 4,410 |
| Assets per employee ($millions) | 4.3878% | 3,064 |
| Cash dividends to net income (ytd only)* | 93.0818% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,726 |
| Loan loss allowance to noncurrent loans | 67.8925% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3417% | 2,904 |
| Noncurrent loans to loans | 2.0449% | 3,515 |
| Net loans and leases to total assets | 64.7497% | 3,297 |
| Net loans and leases to deposits | 74.8524% | 3,619 |
| Net loans and leases to core deposits | 80.0615% | 3,748 |
| Total domestic deposits to total assets | 86.5033% | 3,232 |
| Equity capital to assets | 12.0372% | 1,896 |
| Core capital (leverage) ratio | 9.5305% | 3,756 |
| Tier 1 risk-based capital ratio | 12.4787% | 5,287 |
| Total risk-based capital ratio | 13.6713% | 5,317 |
| Memoranda: | ||
| Average total assets | $109,071,500 | 4,762 |
| Average earning assets | $100,609,500 | 4,725 |
| Average equity | $12,613,500 | 4,415 |
| Average total loans | $70,097,000 | 4,616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 2,579 |
| Cost of funding earning assets | 1.1532% | 4,833 |
| Net interest margin | 4.2666% | 1,934 |
| Noninterest income to average assets | 0.4048% | 4,874 |
| Noninterest expense to average assets | 3.0694% | 3,589 |
| Loan and lease loss provision to assets | 0.0740% | 6,410 |
| Net operating income to assets | 1.1561% | 1,525 |
| Return on assets (ROA) | 1.1561% | 1,609 |
| Pretax return on assets | 1.1571% | 2,371 |
| Return on Equity (ROE) | 9.1889% | 2,222 |
| Retained earnings to average equity (ytd only) | 1.1602% | 4,966 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3736% | 3,915 |
| Assets per employee ($millions) | 4.1791% | 3,426 |
| Cash dividends to net income (ytd only)* | 87.3737% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,838 |
| Loan loss allowance to noncurrent loans | 65.9930% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2342% | 3,050 |
| Noncurrent loans to loans | 2.0198% | 3,536 |
| Net loans and leases to total assets | 62.1264% | 4,258 |
| Net loans and leases to deposits | 71.0157% | 4,680 |
| Net loans and leases to core deposits | 81.2153% | 4,020 |
| Total domestic deposits to total assets | 87.4827% | 2,560 |
| Equity capital to assets | 11.1232% | 2,577 |
| Core capital (leverage) ratio | 9.5245% | 3,677 |
| Tier 1 risk-based capital ratio | 11.9786% | 5,495 |
| Total risk-based capital ratio | 13.1104% | 5,596 |
| Memoranda: | ||
| Average total assets | $102,756,400 | 4,903 |
| Average earning assets | $93,822,400 | 4,895 |
| Average equity | $12,928,600 | 4,377 |
| Average total loans | $71,181,800 | 4,633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6231% | 1,978 |
| Cost of funding earning assets | 1.2444% | 4,606 |
| Net interest margin | 4.3787% | 1,591 |
| Noninterest income to average assets | 0.4961% | 4,218 |
| Noninterest expense to average assets | 3.1152% | 3,266 |
| Loan and lease loss provision to assets | 0.1011% | 6,010 |
| Net operating income to assets | 1.2663% | 1,424 |
| Return on assets (ROA) | 1.2663% | 1,504 |
| Pretax return on assets | 1.2676% | 2,268 |
| Return on Equity (ROE) | 9.7466% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.8357% | 2,457 |
| Net charge-offs to loans | -0.0056% | 7,220 |
| Credit loss provision to net charge-offs | -2,533.3333% | 7,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4749% | 4,180 |
| Assets per employee ($millions) | 3.9858% | 3,870 |
| Cash dividends to net income (ytd only)* | 40.1261% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,313 |
| Loan loss allowance to noncurrent loans | 85.9855% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3203% | 3,060 |
| Noncurrent loans to loans | 1.4366% | 4,462 |
| Net loans and leases to total assets | 70.6552% | 2,576 |
| Net loans and leases to deposits | 87.8472% | 2,030 |
| Net loans and leases to core deposits | 91.3237% | 2,899 |
| Total domestic deposits to total assets | 80.4297% | 5,566 |
| Equity capital to assets | 12.6290% | 1,790 |
| Core capital (leverage) ratio | 10.8794% | 2,351 |
| Tier 1 risk-based capital ratio | 11.9920% | 5,473 |
| Total risk-based capital ratio | 13.0841% | 5,582 |
| Memoranda: | ||
| Average total assets | $100,236,500 | 5,039 |
| Average earning assets | $91,287,250 | 5,030 |
| Average equity | $13,023,000 | 4,432 |
| Average total loans | $71,215,250 | 4,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6757% | 1,851 |
| Cost of funding earning assets | 1.1631% | 5,327 |
| Net interest margin | 4.5126% | 1,177 |
| Noninterest income to average assets | 0.4521% | 4,495 |
| Noninterest expense to average assets | 3.1685% | 3,022 |
| Loan and lease loss provision to assets | 0.1350% | 5,540 |
| Net operating income to assets | 1.2416% | 1,448 |
| Return on assets (ROA) | 1.2416% | 1,510 |
| Pretax return on assets | 1.2437% | 2,276 |
| Return on Equity (ROE) | 9.4595% | 2,290 |
| Retained earnings to average equity (ytd only) | 5.9375% | 2,366 |
| Net charge-offs to loans | 0.0029% | 6,345 |
| Credit loss provision to net charge-offs | 6,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 47 |
| Efficiency ratio | 69.6806% | 4,249 |
| Assets per employee ($millions) | 3.7263% | 4,396 |
| Cash dividends to net income (ytd only)* | 37.2323% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,729 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 4,222 |
| Noncurrent loans to loans | 0.0115% | 7,303 |
| Net loans and leases to total assets | 71.1067% | 2,629 |
| Net loans and leases to deposits | 83.7448% | 2,918 |
| Net loans and leases to core deposits | 89.9630% | 3,272 |
| Total domestic deposits to total assets | 84.9088% | 3,682 |
| Equity capital to assets | 13.5791% | 1,314 |
| Core capital (leverage) ratio | 10.8342% | 2,375 |
| Tier 1 risk-based capital ratio | 12.9147% | 4,518 |
| Total risk-based capital ratio | 14.0936% | 4,529 |
| Memoranda: | ||
| Average total assets | $97,776,330 | 5,145 |
| Average earning assets | $88,728,670 | 5,145 |
| Average equity | $12,833,670 | 4,475 |
| Average total loans | $69,291,000 | 4,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 1,912 |
| Cost of funding earning assets | 1.2199% | 5,284 |
| Net interest margin | 4.4430% | 1,268 |
| Noninterest income to average assets | 0.4235% | 4,709 |
| Noninterest expense to average assets | 3.1439% | 3,090 |
| Loan and lease loss provision to assets | 0.2281% | 4,217 |
| Net operating income to assets | 1.0670% | 1,945 |
| Return on assets (ROA) | 1.0670% | 2,019 |
| Pretax return on assets | 1.0710% | 2,836 |
| Return on Equity (ROE) | 8.2699% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.3760% | 2,429 |
| Net charge-offs to loans | -0.0406% | 7,289 |
| Credit loss provision to net charge-offs | -800.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7608% | 4,168 |
| Assets per employee ($millions) | 3.7528% | 4,425 |
| Cash dividends to net income (ytd only)* | 22.9008% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 4,656 |
| Loan loss allowance to noncurrent loans | 3,592.3077% | 106 |
| Noncurrent assets plus other real estate owned to assets | 1.5558% | 4,167 |
| Noncurrent loans to loans | 0.0377% | 7,317 |
| Net loans and leases to total assets | 69.7263% | 3,001 |
| Net loans and leases to deposits | 81.7323% | 3,333 |
| Net loans and leases to core deposits | 86.8201% | 3,783 |
| Total domestic deposits to total assets | 85.3105% | 3,500 |
| Equity capital to assets | 13.1225% | 1,474 |
| Core capital (leverage) ratio | 10.6533% | 2,493 |
| Tier 1 risk-based capital ratio | 12.7731% | 4,507 |
| Total risk-based capital ratio | 13.9572% | 4,518 |
| Memoranda: | ||
| Average total assets | $98,222,500 | 5,203 |
| Average earning assets | $88,858,000 | 5,197 |
| Average equity | $12,672,500 | 4,547 |
| Average total loans | $69,023,000 | 4,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9972% | 1,882 |
| Cost of funding earning assets | 1.5181% | 5,445 |
| Net interest margin | 4.4791% | 1,218 |
| Noninterest income to average assets | 0.4443% | 4,848 |
| Noninterest expense to average assets | 3.3253% | 2,926 |
| Loan and lease loss provision to assets | 1.0772% | 2,125 |
| Net operating income to assets | 0.0866% | 5,249 |
| Return on assets (ROA) | 0.0866% | 5,292 |
| Pretax return on assets | 0.0897% | 5,242 |
| Return on Equity (ROE) | 0.6674% | 5,341 |
| Retained earnings to average equity (ytd only) | -0.0397% | 4,941 |
| Net charge-offs to loans | 1.1150% | 2,197 |
| Credit loss provision to net charge-offs | 135.3627% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.4663% | 4,660 |
| Efficiency ratio | 71.6154% | 4,327 |
| Assets per employee ($millions) | 3.8028% | 4,280 |
| Cash dividends to net income (ytd only)* | 105.9524% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,993 |
| Loan loss allowance to noncurrent loans | 9,666.6667% | 50 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 4,065 |
| Noncurrent loans to loans | 0.0130% | 7,408 |
| Net loans and leases to total assets | 68.9862% | 3,492 |
| Net loans and leases to deposits | 80.4738% | 3,895 |
| Net loans and leases to core deposits | 97.8594% | 4,235 |
| Total domestic deposits to total assets | 85.7250% | 3,152 |
| Equity capital to assets | 12.6841% | 1,654 |
| Core capital (leverage) ratio | 10.2040% | 2,881 |
| Tier 1 risk-based capital ratio | 12.3128% | 4,668 |
| Total risk-based capital ratio | 13.3978% | 4,780 |
| Memoranda: | ||
| Average total assets | $97,012,400 | 5,168 |
| Average earning assets | $87,673,800 | 5,206 |
| Average equity | $12,585,600 | 4,614 |
| Average total loans | $69,235,600 | 4,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 1,953 |
| Cost of funding earning assets | 1.5599% | 5,589 |
| Net interest margin | 4.4600% | 1,293 |
| Noninterest income to average assets | 0.3894% | 5,387 |
| Noninterest expense to average assets | 3.3834% | 2,628 |
| Loan and lease loss provision to assets | 0.9777% | 1,959 |
| Net operating income to assets | 0.0594% | 5,578 |
| Return on assets (ROA) | 0.0594% | 5,618 |
| Pretax return on assets | 0.0635% | 5,593 |
| Return on Equity (ROE) | 0.4551% | 5,651 |
| Retained earnings to average equity (ytd only) | -0.2752% | 5,278 |
| Net charge-offs to loans | 1.4935% | 1,373 |
| Credit loss provision to net charge-offs | 91.2371% | 5,447 |
| Earnings coverage of net charge-offs (x) | 0.9717% | 5,087 |
| Efficiency ratio | 73.1898% | 4,018 |
| Assets per employee ($millions) | 4.0893% | 3,584 |
| Cash dividends to net income (ytd only)* | 160.4744% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 7,276 |
| Loan loss allowance to noncurrent loans | 4,809.0909% | 85 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 4,124 |
| Noncurrent loans to loans | 0.0155% | 7,490 |
| Net loans and leases to total assets | 68.9618% | 3,715 |
| Net loans and leases to deposits | 81.9750% | 4,026 |
| Net loans and leases to core deposits | 97.6779% | 4,643 |
| Total domestic deposits to total assets | 84.1253% | 3,663 |
| Equity capital to assets | 12.3875% | 2,009 |
| Core capital (leverage) ratio | 10.3405% | 2,934 |
| Tier 1 risk-based capital ratio | 11.8501% | 5,106 |
| Total risk-based capital ratio | 12.4865% | 5,655 |
| Memoranda: | ||
| Average total assets | $96,547,500 | 5,230 |
| Average earning assets | $87,351,500 | 5,254 |
| Average equity | $12,596,750 | 4,632 |
| Average total loans | $69,275,000 | 4,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 1,968 |
| Cost of funding earning assets | 1.6253% | 5,639 |
| Net interest margin | 4.4287% | 1,341 |
| Noninterest income to average assets | 0.3275% | 5,896 |
| Noninterest expense to average assets | 3.5076% | 2,316 |
| Loan and lease loss provision to assets | 1.3544% | 1,277 |
| Net operating income to assets | -0.5430% | 6,591 |
| Return on assets (ROA) | -0.5430% | 6,598 |
| Pretax return on assets | -0.5388% | 6,463 |
| Return on Equity (ROE) | -4.0877% | 6,487 |
| Retained earnings to average equity (ytd only) | -4.7557% | 6,268 |
| Net charge-offs to loans | 2.2420% | 805 |
| Credit loss provision to net charge-offs | 83.2468% | 5,115 |
| Earnings coverage of net charge-offs (x) | 0.5013% | 5,197 |
| Efficiency ratio | 76.0020% | 3,686 |
| Assets per employee ($millions) | 3.8412% | 3,997 |
| Cash dividends to net income (ytd only)* | -16.3424% | 7,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7421% | 3,567 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.3419% | 2,876 |
| Net loans and leases to deposits | 90.0906% | 2,821 |
| Net loans and leases to core deposits | 109.0635% | 3,488 |
| Total domestic deposits to total assets | 81.4091% | 4,925 |
| Equity capital to assets | 12.7251% | 1,821 |
| Core capital (leverage) ratio | 10.3437% | 2,954 |
| Tier 1 risk-based capital ratio | 11.4745% | 5,412 |
| Total risk-based capital ratio | 12.0351% | 6,034 |
| Memoranda: | ||
| Average total assets | $94,652,670 | 5,320 |
| Average earning assets | $85,398,000 | 5,362 |
| Average equity | $12,574,330 | 4,662 |
| Average total loans | $68,690,000 | 5,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0545% | 2,130 |
| Cost of funding earning assets | 1.6805% | 5,690 |
| Net interest margin | 4.3740% | 1,411 |
| Noninterest income to average assets | 0.1575% | 7,181 |
| Noninterest expense to average assets | 3.4950% | 2,114 |
| Loan and lease loss provision to assets | 0.2086% | 4,355 |
| Net operating income to assets | 0.3789% | 4,951 |
| Return on assets (ROA) | 0.3789% | 5,133 |
| Pretax return on assets | 0.3874% | 5,432 |
| Return on Equity (ROE) | 2.7918% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.4743% | 5,027 |
| Net charge-offs to loans | 0.5090% | 2,192 |
| Credit loss provision to net charge-offs | 56.9767% | 4,571 |
| Earnings coverage of net charge-offs (x) | 1.6279% | 3,917 |
| Efficiency ratio | 80.0208% | 2,817 |
| Assets per employee ($millions) | 3.5437% | 4,719 |
| Cash dividends to net income (ytd only)* | 47.1910% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 7,041 |
| Loan loss allowance to noncurrent loans | 81.0694% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 2,187 |
| Noncurrent loans to loans | 1.0237% | 4,947 |
| Net loans and leases to total assets | 72.7563% | 3,061 |
| Net loans and leases to deposits | 92.1214% | 2,575 |
| Net loans and leases to core deposits | 104.2487% | 4,114 |
| Total domestic deposits to total assets | 78.9787% | 5,738 |
| Equity capital to assets | 13.7798% | 1,426 |
| Core capital (leverage) ratio | 10.8453% | 2,620 |
| Tier 1 risk-based capital ratio | 12.4362% | 4,584 |
| Total risk-based capital ratio | 13.1429% | 4,956 |
| Memoranda: | ||
| Average total assets | $93,963,500 | 5,373 |
| Average earning assets | $84,498,500 | 5,412 |
| Average equity | $12,751,500 | 4,639 |
| Average total loans | $67,585,500 | 5,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5304% | 2,804 |
| Cost of funding earning assets | 1.9999% | 6,416 |
| Net interest margin | 4.5305% | 1,351 |
| Noninterest income to average assets | 0.4856% | 4,741 |
| Noninterest expense to average assets | 3.5599% | 2,239 |
| Loan and lease loss provision to assets | 0.0391% | 6,926 |
| Net operating income to assets | 0.9929% | 2,587 |
| Return on assets (ROA) | 0.9940% | 2,462 |
| Pretax return on assets | 0.9951% | 3,398 |
| Return on Equity (ROE) | 7.3936% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.8563% | 2,107 |
| Net charge-offs to loans | 0.4841% | 2,420 |
| Credit loss provision to net charge-offs | 11.5756% | 6,617 |
| Earnings coverage of net charge-offs (x) | 3.0579% | 4,557 |
| Efficiency ratio | 72.5402% | 3,840 |
| Assets per employee ($millions) | 3.6843% | 4,207 |
| Cash dividends to net income (ytd only)* | 34.3169% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,760 |
| Loan loss allowance to noncurrent loans | 233.2031% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2413% | 2,174 |
| Noncurrent loans to loans | 0.3788% | 6,218 |
| Net loans and leases to total assets | 69.9213% | 4,037 |
| Net loans and leases to deposits | 88.2057% | 3,771 |
| Net loans and leases to core deposits | 101.8522% | 4,630 |
| Total domestic deposits to total assets | 79.2707% | 5,275 |
| Equity capital to assets | 13.3696% | 1,644 |
| Core capital (leverage) ratio | 10.6724% | 2,843 |
| Tier 1 risk-based capital ratio | 12.1852% | 4,678 |
| Total risk-based capital ratio | 12.9295% | 4,970 |
| Memoranda: | ||
| Average total assets | $92,052,200 | 5,290 |
| Average earning assets | $83,455,800 | 5,314 |
| Average equity | $12,375,600 | 4,735 |
| Average total loans | $64,243,200 | 5,090 |