Home > First National Bank > Performance and Condition Ratios
First 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 | 4.3731% | 2,669 |
| Cost of funding earning assets | 1.7674% | 27 |
| Net interest margin | 2.6056% | 6,330 |
| Noninterest income to average assets | 0.3485% | 4,903 |
| Noninterest expense to average assets | 3.2727% | 2,149 |
| Loan and lease loss provision to assets | 0.5395% | 495 |
| Net operating income to assets | -0.9370% | 6,740 |
| Return on assets (ROA) | -0.9130% | 6,738 |
| Pretax return on assets | -1.3829% | 6,793 |
| Return on Equity (ROE) | -15.8794% | 6,801 |
| Retained earnings to average equity (ytd only) | -15.8794% | 6,766 |
| Net charge-offs to loans | 1.7390% | 277 |
| Credit loss provision to net charge-offs | 51.0728% | 3,194 |
| Earnings coverage of net charge-offs (x) | -0.8328% | 4,699 |
| Efficiency ratio | 136.7653% | 107 |
| Assets per employee ($millions) | 4.3097% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0411% | 247 |
| Loan loss allowance to noncurrent loans | 27.8858% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 15.6860% | 51 |
| Noncurrent loans to loans | 14.4917% | 55 |
| Net loans and leases to total assets | 57.9942% | 3,986 |
| Net loans and leases to deposits | 76.5315% | 2,797 |
| Net loans and leases to core deposits | 81.5350% | 2,851 |
| Total domestic deposits to total assets | 75.7782% | 6,270 |
| Equity capital to assets | 5.5568% | 6,787 |
| Core capital (leverage) ratio | 1.9638% | 6,933 |
| Tier 1 risk-based capital ratio | 2.8825% | 6,930 |
| Total risk-based capital ratio | 4.1630% | 6,929 |
| Memoranda: | ||
| Average total assets | $3,185,418,330 | 237 |
| Average earning assets | $2,499,352,330 | 272 |
| Average equity | $183,143,000 | 417 |
| Average total loans | $1,934,979,000 | 259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,352 |
| Cost of funding earning assets | 1.7354% | 30 |
| Net interest margin | 2.7132% | 6,199 |
| Noninterest income to average assets | 0.7230% | 2,466 |
| Noninterest expense to average assets | 3.2239% | 2,284 |
| Loan and lease loss provision to assets | 0.2624% | 1,354 |
| Net operating income to assets | -0.4162% | 6,636 |
| Return on assets (ROA) | -0.4154% | 6,668 |
| Pretax return on assets | -0.6328% | 6,712 |
| Return on Equity (ROE) | -7.1119% | 6,744 |
| Retained earnings to average equity (ytd only) | -7.1119% | 6,480 |
| Net charge-offs to loans | 1.9397% | 246 |
| Credit loss provision to net charge-offs | 22.2129% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.3147% | 3,895 |
| Efficiency ratio | 113.0305% | 286 |
| Assets per employee ($millions) | 4.2941% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9280% | 303 |
| Loan loss allowance to noncurrent loans | 21.4811% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 18.3568% | 37 |
| Noncurrent loans to loans | 18.2858% | 38 |
| Net loans and leases to total assets | 58.3091% | 3,741 |
| Net loans and leases to deposits | 76.4590% | 2,560 |
| Net loans and leases to core deposits | 81.5392% | 2,633 |
| Total domestic deposits to total assets | 76.2619% | 6,331 |
| Equity capital to assets | 5.8523% | 6,834 |
| Core capital (leverage) ratio | 2.3885% | 6,992 |
| Tier 1 risk-based capital ratio | 3.4835% | 6,988 |
| Total risk-based capital ratio | 4.7626% | 6,989 |
| Memoranda: | ||
| Average total assets | $3,235,245,500 | 236 |
| Average earning assets | $2,538,839,000 | 269 |
| Average equity | $188,980,000 | 412 |
| Average total loans | $1,970,005,000 | 257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 3,205 |
| Cost of funding earning assets | 1.7467% | 64 |
| Net interest margin | 2.8046% | 6,380 |
| Noninterest income to average assets | -2.1098% | 7,079 |
| Noninterest expense to average assets | 3.9271% | 1,072 |
| Loan and lease loss provision to assets | 1.8030% | 140 |
| Net operating income to assets | -3.6764% | 7,034 |
| Return on assets (ROA) | -3.9577% | 7,042 |
| Pretax return on assets | -5.9149% | 7,068 |
| Return on Equity (ROE) | -50.4117% | 7,022 |
| Retained earnings to average equity (ytd only) | -50.4117% | 7,016 |
| Net charge-offs to loans | 2.6473% | 222 |
| Credit loss provision to net charge-offs | 108.4115% | 2,717 |
| Earnings coverage of net charge-offs (x) | -2.3038% | 5,846 |
| Efficiency ratio | 4,104.1200% | 2 |
| Assets per employee ($millions) | 4.2158% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1777% | 255 |
| Loan loss allowance to noncurrent loans | 22.6435% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 18.6824% | 35 |
| Noncurrent loans to loans | 18.4501% | 39 |
| Net loans and leases to total assets | 58.5339% | 3,874 |
| Net loans and leases to deposits | 76.5243% | 2,713 |
| Net loans and leases to core deposits | 81.4970% | 2,821 |
| Total domestic deposits to total assets | 76.4906% | 6,288 |
| Equity capital to assets | 5.8305% | 6,901 |
| Core capital (leverage) ratio | 2.4708% | 7,047 |
| Tier 1 risk-based capital ratio | 3.5653% | 7,046 |
| Total risk-based capital ratio | 4.8467% | 7,045 |
| Memoranda: | ||
| Average total assets | $3,449,793,800 | 224 |
| Average earning assets | $2,712,864,400 | 243 |
| Average equity | $270,832,000 | 298 |
| Average total loans | $2,167,285,200 | 224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 1,709 |
| Cost of funding earning assets | 1.7506% | 71 |
| Net interest margin | 3.2431% | 5,571 |
| Noninterest income to average assets | -1.5116% | 7,167 |
| Noninterest expense to average assets | 3.9535% | 996 |
| Loan and lease loss provision to assets | 1.8893% | 141 |
| Net operating income to assets | -3.1507% | 7,118 |
| Return on assets (ROA) | -3.1488% | 7,120 |
| Pretax return on assets | -4.7980% | 7,159 |
| Return on Equity (ROE) | -37.8271% | 7,095 |
| Retained earnings to average equity (ytd only) | -37.8271% | 7,088 |
| Net charge-offs to loans | 2.7591% | 209 |
| Credit loss provision to net charge-offs | 108.2938% | 2,711 |
| Earnings coverage of net charge-offs (x) | -1.6689% | 5,626 |
| Efficiency ratio | 379.4044% | 12 |
| Assets per employee ($millions) | 4.3445% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0622% | 290 |
| Loan loss allowance to noncurrent loans | 20.0526% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 21.4627% | 26 |
| Noncurrent loans to loans | 20.2576% | 37 |
| Net loans and leases to total assets | 57.1735% | 4,265 |
| Net loans and leases to deposits | 75.4597% | 3,067 |
| Net loans and leases to core deposits | 82.2360% | 2,935 |
| Total domestic deposits to total assets | 75.7670% | 6,417 |
| Equity capital to assets | 7.2294% | 6,838 |
| Core capital (leverage) ratio | 5.0341% | 7,025 |
| Tier 1 risk-based capital ratio | 7.2309% | 7,035 |
| Total risk-based capital ratio | 8.5093% | 7,034 |
| Memoranda: | ||
| Average total assets | $3,493,320,500 | 224 |
| Average earning assets | $2,750,658,500 | 243 |
| Average equity | $290,792,750 | 279 |
| Average total loans | $2,208,860,750 | 221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 1,504 |
| Cost of funding earning assets | 1.7464% | 85 |
| Net interest margin | 3.3526% | 5,257 |
| Noninterest income to average assets | -1.0205% | 7,222 |
| Noninterest expense to average assets | 3.9076% | 1,067 |
| Loan and lease loss provision to assets | 2.3809% | 96 |
| Net operating income to assets | -3.0733% | 7,158 |
| Return on assets (ROA) | -3.0706% | 7,163 |
| Pretax return on assets | -4.6543% | 7,205 |
| Return on Equity (ROE) | -35.3847% | 7,132 |
| Retained earnings to average equity (ytd only) | -35.3847% | 7,125 |
| Net charge-offs to loans | 1.7362% | 513 |
| Credit loss provision to net charge-offs | 212.9229% | 1,326 |
| Earnings coverage of net charge-offs (x) | -2.0367% | 5,383 |
| Efficiency ratio | 239.7184% | 28 |
| Assets per employee ($millions) | 4.4479% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6982% | 201 |
| Loan loss allowance to noncurrent loans | 27.4712% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 19.8200% | 42 |
| Noncurrent loans to loans | 17.1023% | 71 |
| Net loans and leases to total assets | 58.5282% | 4,077 |
| Net loans and leases to deposits | 77.2773% | 2,788 |
| Net loans and leases to core deposits | 86.1571% | 2,410 |
| Total domestic deposits to total assets | 75.7379% | 6,496 |
| Equity capital to assets | 7.8362% | 6,659 |
| Core capital (leverage) ratio | 6.0989% | 6,976 |
| Tier 1 risk-based capital ratio | 8.6708% | 7,000 |
| Total risk-based capital ratio | 9.9561% | 7,002 |
| Memoranda: | ||
| Average total assets | $3,520,947,670 | 225 |
| Average earning assets | $2,783,613,670 | 240 |
| Average equity | $305,539,000 | 269 |
| Average total loans | $2,267,671,330 | 215 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 1,534 |
| Cost of funding earning assets | 1.7357% | 110 |
| Net interest margin | 3.3795% | 5,198 |
| Noninterest income to average assets | -0.9744% | 7,280 |
| Noninterest expense to average assets | 3.8521% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.3924% | 7,072 |
| Return on assets (ROA) | -1.3876% | 7,082 |
| Pretax return on assets | -2.1348% | 7,145 |
| Return on Equity (ROE) | -15.2573% | 7,069 |
| Retained earnings to average equity (ytd only) | -15.2573% | 6,977 |
| Net charge-offs to loans | 2.2601% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.4385% | 4,590 |
| Efficiency ratio | 225.2799% | 32 |
| Assets per employee ($millions) | 4.4596% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8830% | 925 |
| Loan loss allowance to noncurrent loans | 17.0519% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 19.8348% | 50 |
| Noncurrent loans to loans | 16.9071% | 86 |
| Net loans and leases to total assets | 62.3525% | 3,179 |
| Net loans and leases to deposits | 83.1075% | 1,778 |
| Net loans and leases to core deposits | 92.8117% | 1,571 |
| Total domestic deposits to total assets | 75.0264% | 6,642 |
| Equity capital to assets | 8.8741% | 5,669 |
| Core capital (leverage) ratio | 7.9731% | 6,281 |
| Tier 1 risk-based capital ratio | 10.7203% | 6,659 |
| Total risk-based capital ratio | 11.9853% | 6,640 |
| Memoranda: | ||
| Average total assets | $3,531,189,000 | 225 |
| Average earning assets | $2,804,827,500 | 235 |
| Average equity | $321,157,500 | 260 |
| Average total loans | $2,326,627,500 | 210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4502% | 1,293 |
| Cost of funding earning assets | 1.9394% | 124 |
| Net interest margin | 3.5108% | 5,102 |
| Noninterest income to average assets | 0.3879% | 4,725 |
| Noninterest expense to average assets | 3.0499% | 3,392 |
| Loan and lease loss provision to assets | 1.4017% | 557 |
| Net operating income to assets | -0.7534% | 6,633 |
| Return on assets (ROA) | -0.7019% | 6,642 |
| Pretax return on assets | -1.0656% | 6,764 |
| Return on Equity (ROE) | -7.6374% | 6,662 |
| Retained earnings to average equity (ytd only) | -7.6374% | 6,605 |
| Net charge-offs to loans | 1.5616% | 1,013 |
| Credit loss provision to net charge-offs | 130.8151% | 2,334 |
| Earnings coverage of net charge-offs (x) | 0.2408% | 5,646 |
| Efficiency ratio | 92.1988% | 1,029 |
| Assets per employee ($millions) | 4.3853% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3138% | 616 |
| Loan loss allowance to noncurrent loans | 20.4482% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 19.0078% | 62 |
| Noncurrent loans to loans | 16.2060% | 108 |
| Net loans and leases to total assets | 65.3463% | 2,911 |
| Net loans and leases to deposits | 88.4327% | 1,328 |
| Net loans and leases to core deposits | 98.4667% | 1,301 |
| Total domestic deposits to total assets | 73.8938% | 6,726 |
| Equity capital to assets | 9.3175% | 5,125 |
| Core capital (leverage) ratio | 8.6078% | 5,382 |
| Tier 1 risk-based capital ratio | 11.7589% | 5,985 |
| Total risk-based capital ratio | 13.0296% | 5,958 |
| Memoranda: | ||
| Average total assets | $3,710,828,400 | 210 |
| Average earning assets | $3,086,391,400 | 217 |
| Average equity | $341,046,800 | 240 |
| Average total loans | $2,546,251,800 | 196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 1,327 |
| Cost of funding earning assets | 1.9469% | 148 |
| Net interest margin | 3.5253% | 5,074 |
| Noninterest income to average assets | 0.6378% | 2,949 |
| Noninterest expense to average assets | 2.9110% | 3,883 |
| Loan and lease loss provision to assets | 1.1598% | 688 |
| Net operating income to assets | -0.3212% | 6,520 |
| Return on assets (ROA) | -0.2520% | 6,512 |
| Pretax return on assets | -0.3704% | 6,544 |
| Return on Equity (ROE) | -2.7507% | 6,543 |
| Retained earnings to average equity (ytd only) | -2.7507% | 6,390 |
| Net charge-offs to loans | 0.9001% | 1,777 |
| Credit loss provision to net charge-offs | 187.1138% | 1,570 |
| Earnings coverage of net charge-offs (x) | 1.1094% | 4,797 |
| Efficiency ratio | 80.8927% | 2,126 |
| Assets per employee ($millions) | 4.5754% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2891% | 667 |
| Loan loss allowance to noncurrent loans | 28.9978% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 14.1721% | 153 |
| Noncurrent loans to loans | 11.3425% | 270 |
| Net loans and leases to total assets | 65.4190% | 3,027 |
| Net loans and leases to deposits | 88.2965% | 1,397 |
| Net loans and leases to core deposits | 99.5781% | 1,289 |
| Total domestic deposits to total assets | 74.0902% | 6,747 |
| Equity capital to assets | 9.4406% | 5,178 |
| Core capital (leverage) ratio | 9.1457% | 4,718 |
| Tier 1 risk-based capital ratio | 12.2621% | 5,692 |
| Total risk-based capital ratio | 13.5301% | 5,667 |
| Memoranda: | ||
| Average total assets | $3,759,284,750 | 207 |
| Average earning assets | $3,157,269,750 | 212 |
| Average equity | $344,384,500 | 242 |
| Average total loans | $2,588,564,750 | 193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 940 |
| Cost of funding earning assets | 1.9372% | 180 |
| Net interest margin | 3.7252% | 4,148 |
| Noninterest income to average assets | 0.6283% | 2,958 |
| Noninterest expense to average assets | 2.7806% | 4,503 |
| Loan and lease loss provision to assets | 0.6759% | 1,425 |
| Net operating income to assets | 0.1859% | 5,789 |
| Return on assets (ROA) | 0.2390% | 5,718 |
| Pretax return on assets | 0.4059% | 5,376 |
| Return on Equity (ROE) | 2.6347% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.6347% | 4,619 |
| Net charge-offs to loans | 1.1288% | 1,385 |
| Credit loss provision to net charge-offs | 86.4631% | 3,572 |
| Earnings coverage of net charge-offs (x) | 1.2779% | 4,332 |
| Efficiency ratio | 73.5705% | 3,447 |
| Assets per employee ($millions) | 4.6310% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5205% | 1,416 |
| Loan loss allowance to noncurrent loans | 62.3141% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 7.6200% | 626 |
| Noncurrent loans to loans | 4.0449% | 1,712 |
| Net loans and leases to total assets | 66.8459% | 2,851 |
| Net loans and leases to deposits | 89.6384% | 1,315 |
| Net loans and leases to core deposits | 102.9990% | 1,117 |
| Total domestic deposits to total assets | 74.5728% | 6,775 |
| Equity capital to assets | 9.3100% | 5,124 |
| Core capital (leverage) ratio | 9.3283% | 4,210 |
| Tier 1 risk-based capital ratio | 12.5902% | 5,260 |
| Total risk-based capital ratio | 13.8538% | 5,223 |
| Memoranda: | ||
| Average total assets | $3,787,705,000 | 210 |
| Average earning assets | $3,204,150,000 | 212 |
| Average equity | $343,563,000 | 243 |
| Average total loans | $2,623,002,330 | 196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6686% | 940 |
| Cost of funding earning assets | 1.9205% | 228 |
| Net interest margin | 3.7482% | 3,846 |
| Noninterest income to average assets | 0.6032% | 3,135 |
| Noninterest expense to average assets | 2.7987% | 4,450 |
| Loan and lease loss provision to assets | 0.5137% | 1,690 |
| Net operating income to assets | 0.2795% | 5,500 |
| Return on assets (ROA) | 0.2687% | 5,602 |
| Pretax return on assets | 0.4673% | 5,130 |
| Return on Equity (ROE) | 3.0012% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.0012% | 4,365 |
| Net charge-offs to loans | 0.6378% | 1,930 |
| Credit loss provision to net charge-offs | 115.7571% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.2485% | 3,191 |
| Efficiency ratio | 73.7166% | 3,569 |
| Assets per employee ($millions) | 4.7205% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5374% | 1,408 |
| Loan loss allowance to noncurrent loans | 46.1959% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 7.3003% | 708 |
| Noncurrent loans to loans | 5.4927% | 1,195 |
| Net loans and leases to total assets | 67.8268% | 2,587 |
| Net loans and leases to deposits | 90.1464% | 1,214 |
| Net loans and leases to core deposits | 103.4225% | 1,101 |
| Total domestic deposits to total assets | 75.2408% | 6,764 |
| Equity capital to assets | 9.0106% | 5,192 |
| Core capital (leverage) ratio | 9.0486% | 4,537 |
| Tier 1 risk-based capital ratio | 12.4007% | 5,349 |
| Total risk-based capital ratio | 13.6639% | 5,325 |
| Memoranda: | ||
| Average total assets | $3,815,282,000 | 207 |
| Average earning assets | $3,250,670,000 | 212 |
| Average equity | $341,594,500 | 241 |
| Average total loans | $2,654,717,500 | 194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9478% | 944 |
| Cost of funding earning assets | 2.1662% | 341 |
| Net interest margin | 3.7816% | 4,018 |
| Noninterest income to average assets | 0.6636% | 3,062 |
| Noninterest expense to average assets | 2.8554% | 4,391 |
| Loan and lease loss provision to assets | 0.6681% | 2,472 |
| Net operating income to assets | 0.2806% | 5,000 |
| Return on assets (ROA) | 0.3765% | 4,800 |
| Pretax return on assets | 0.5082% | 4,591 |
| Return on Equity (ROE) | 4.3314% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.3314% | 2,806 |
| Net charge-offs to loans | 0.4529% | 3,803 |
| Credit loss provision to net charge-offs | 213.2809% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.3414% | 3,407 |
| Efficiency ratio | 73.1775% | 3,564 |
| Assets per employee ($millions) | 4.7467% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 1,412 |
| Loan loss allowance to noncurrent loans | 61.2133% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 6.0574% | 976 |
| Noncurrent loans to loans | 4.0827% | 1,770 |
| Net loans and leases to total assets | 67.8311% | 3,021 |
| Net loans and leases to deposits | 89.9466% | 1,530 |
| Net loans and leases to core deposits | 101.8961% | 1,463 |
| Total domestic deposits to total assets | 75.4126% | 6,710 |
| Equity capital to assets | 8.8964% | 5,287 |
| Core capital (leverage) ratio | 9.1168% | 4,323 |
| Tier 1 risk-based capital ratio | 12.0535% | 5,423 |
| Total risk-based capital ratio | 13.3152% | 5,397 |
| Memoranda: | ||
| Average total assets | $3,858,196,400 | 205 |
| Average earning assets | $3,304,018,400 | 210 |
| Average equity | $335,411,600 | 237 |
| Average total loans | $2,668,328,200 | 195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 1,094 |
| Cost of funding earning assets | 2.2215% | 361 |
| Net interest margin | 3.6957% | 4,422 |
| Noninterest income to average assets | 0.7486% | 2,510 |
| Noninterest expense to average assets | 2.8163% | 4,413 |
| Loan and lease loss provision to assets | 0.7526% | 2,036 |
| Net operating income to assets | 0.2329% | 5,414 |
| Return on assets (ROA) | 0.3454% | 5,161 |
| Pretax return on assets | 0.5116% | 4,887 |
| Return on Equity (ROE) | 3.9958% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.9958% | 3,666 |
| Net charge-offs to loans | 0.4335% | 3,562 |
| Credit loss provision to net charge-offs | 251.3822% | 1,321 |
| Earnings coverage of net charge-offs (x) | 3.6700% | 3,344 |
| Efficiency ratio | 71.9343% | 3,712 |
| Assets per employee ($millions) | 4.8397% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 1,354 |
| Loan loss allowance to noncurrent loans | 55.8493% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 6.3648% | 902 |
| Noncurrent loans to loans | 4.4428% | 1,634 |
| Net loans and leases to total assets | 66.6351% | 3,540 |
| Net loans and leases to deposits | 88.4583% | 1,945 |
| Net loans and leases to core deposits | 100.6069% | 1,790 |
| Total domestic deposits to total assets | 75.3293% | 6,766 |
| Equity capital to assets | 8.8321% | 5,804 |
| Core capital (leverage) ratio | 8.8050% | 5,000 |
| Tier 1 risk-based capital ratio | 11.8247% | 5,616 |
| Total risk-based capital ratio | 13.0879% | 5,579 |
| Memoranda: | ||
| Average total assets | $3,866,286,750 | 204 |
| Average earning assets | $3,312,672,250 | 207 |
| Average equity | $334,174,250 | 234 |
| Average total loans | $2,670,004,250 | 192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 1,094 |
| Cost of funding earning assets | 2.2448% | 404 |
| Net interest margin | 3.6907% | 4,405 |
| Noninterest income to average assets | 0.7467% | 2,416 |
| Noninterest expense to average assets | 2.7657% | 4,637 |
| Loan and lease loss provision to assets | 0.7569% | 1,895 |
| Net operating income to assets | 0.2387% | 5,414 |
| Return on assets (ROA) | 0.2777% | 5,419 |
| Pretax return on assets | 0.4464% | 5,074 |
| Return on Equity (ROE) | 3.2368% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.2368% | 4,043 |
| Net charge-offs to loans | 0.5332% | 2,932 |
| Credit loss provision to net charge-offs | 204.8260% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.0916% | 3,459 |
| Efficiency ratio | 70.7682% | 4,024 |
| Assets per employee ($millions) | 4.8826% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 1,648 |
| Loan loss allowance to noncurrent loans | 46.3804% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 6.4290% | 875 |
| Noncurrent loans to loans | 4.8805% | 1,437 |
| Net loans and leases to total assets | 66.8235% | 3,659 |
| Net loans and leases to deposits | 88.1495% | 2,148 |
| Net loans and leases to core deposits | 100.8029% | 1,936 |
| Total domestic deposits to total assets | 75.8070% | 6,727 |
| Equity capital to assets | 8.7185% | 5,858 |
| Core capital (leverage) ratio | 8.7939% | 4,923 |
| Tier 1 risk-based capital ratio | 11.5301% | 5,740 |
| Total risk-based capital ratio | 12.7801% | 5,713 |
| Memoranda: | ||
| Average total assets | $3,858,014,330 | 204 |
| Average earning assets | $3,304,651,330 | 206 |
| Average equity | $331,010,670 | 235 |
| Average total loans | $2,673,735,000 | 195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1159% | 758 |
| Cost of funding earning assets | 2.3008% | 435 |
| Net interest margin | 3.8150% | 3,726 |
| Noninterest income to average assets | 0.4889% | 4,134 |
| Noninterest expense to average assets | 2.7581% | 4,660 |
| Loan and lease loss provision to assets | 0.7919% | 1,597 |
| Net operating income to assets | 0.1508% | 5,856 |
| Return on assets (ROA) | 0.2702% | 5,541 |
| Pretax return on assets | 0.3519% | 5,451 |
| Return on Equity (ROE) | 3.1751% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.1751% | 4,240 |
| Net charge-offs to loans | 0.6556% | 2,186 |
| Credit loss provision to net charge-offs | 173.1207% | 2,096 |
| Earnings coverage of net charge-offs (x) | 2.1615% | 3,454 |
| Efficiency ratio | 73.6116% | 3,635 |
| Assets per employee ($millions) | 4.8409% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 1,946 |
| Loan loss allowance to noncurrent loans | 46.8774% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 6.0499% | 988 |
| Noncurrent loans to loans | 4.4889% | 1,668 |
| Net loans and leases to total assets | 68.0852% | 3,367 |
| Net loans and leases to deposits | 90.1411% | 1,882 |
| Net loans and leases to core deposits | 101.7859% | 1,933 |
| Total domestic deposits to total assets | 75.5319% | 6,828 |
| Equity capital to assets | 8.6289% | 5,834 |
| Core capital (leverage) ratio | 8.6217% | 5,171 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,624 |
| Total risk-based capital ratio | 12.8135% | 5,590 |
| Memoranda: | ||
| Average total assets | $3,838,878,000 | 208 |
| Average earning assets | $3,278,281,500 | 211 |
| Average equity | $326,668,000 | 241 |
| Average total loans | $2,678,633,500 | 202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6219% | 540 |
| Cost of funding earning assets | 2.7923% | 455 |
| Net interest margin | 3.8296% | 3,582 |
| Noninterest income to average assets | 0.6927% | 3,027 |
| Noninterest expense to average assets | 2.5919% | 5,823 |
| Loan and lease loss provision to assets | 0.6935% | 3,053 |
| Net operating income to assets | 0.4860% | 3,788 |
| Return on assets (ROA) | 0.5824% | 3,469 |
| Pretax return on assets | 0.8426% | 3,105 |
| Return on Equity (ROE) | 7.8087% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.8087% | 750 |
| Net charge-offs to loans | 0.3495% | 4,481 |
| Credit loss provision to net charge-offs | 282.2996% | 1,198 |
| Earnings coverage of net charge-offs (x) | 5.6843% | 2,522 |
| Efficiency ratio | 64.9886% | 5,584 |
| Assets per employee ($millions) | 4.8047% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,106 |
| Loan loss allowance to noncurrent loans | 52.1053% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 5.0533% | 1,208 |
| Noncurrent loans to loans | 3.7633% | 1,992 |
| Net loans and leases to total assets | 68.6304% | 3,563 |
| Net loans and leases to deposits | 90.5513% | 2,135 |
| Net loans and leases to core deposits | 160.4245% | 339 |
| Total domestic deposits to total assets | 75.7917% | 6,719 |
| Equity capital to assets | 8.3906% | 6,067 |
| Core capital (leverage) ratio | 8.9462% | 4,511 |
| Tier 1 risk-based capital ratio | 11.2547% | 5,657 |
| Total risk-based capital ratio | 12.5120% | 5,602 |
| Memoranda: | ||
| Average total assets | $3,951,250,200 | 212 |
| Average earning assets | $3,400,173,000 | 212 |
| Average equity | $294,723,800 | 255 |
| Average total loans | $2,777,408,400 | 200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6909% | 517 |
| Cost of funding earning assets | 2.9227% | 416 |
| Net interest margin | 3.7681% | 3,785 |
| Noninterest income to average assets | 0.7150% | 2,918 |
| Noninterest expense to average assets | 2.6094% | 5,684 |
| Loan and lease loss provision to assets | 0.5213% | 3,302 |
| Net operating income to assets | 0.6272% | 3,505 |
| Return on assets (ROA) | 0.8309% | 2,753 |
| Pretax return on assets | 1.0996% | 2,573 |
| Return on Equity (ROE) | 11.4867% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.4867% | 416 |
| Net charge-offs to loans | 0.3190% | 4,043 |
| Credit loss provision to net charge-offs | 232.2976% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.0282% | 2,682 |
| Efficiency ratio | 65.8558% | 5,392 |
| Assets per employee ($millions) | 4.5430% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 2,934 |
| Loan loss allowance to noncurrent loans | 36.2253% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 5.5932% | 1,011 |
| Noncurrent loans to loans | 4.4610% | 1,572 |
| Net loans and leases to total assets | 72.5143% | 2,915 |
| Net loans and leases to deposits | 99.5631% | 1,148 |
| Net loans and leases to core deposits | 163.7228% | 334 |
| Total domestic deposits to total assets | 72.8325% | 7,103 |
| Equity capital to assets | 8.8473% | 5,715 |
| Core capital (leverage) ratio | 8.9277% | 4,768 |
| Tier 1 risk-based capital ratio | 11.1401% | 5,825 |
| Total risk-based capital ratio | 12.3930% | 5,763 |
| Memoranda: | ||
| Average total assets | $3,976,920,750 | 221 |
| Average earning assets | $3,427,131,750 | 221 |
| Average equity | $287,675,250 | 270 |
| Average total loans | $2,798,231,500 | 209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6491% | 603 |
| Cost of funding earning assets | 3.0073% | 466 |
| Net interest margin | 3.6418% | 4,209 |
| Noninterest income to average assets | 0.8129% | 2,351 |
| Noninterest expense to average assets | 2.5570% | 5,914 |
| Loan and lease loss provision to assets | 0.5551% | 2,797 |
| Net operating income to assets | 0.6548% | 3,446 |
| Return on assets (ROA) | 0.9844% | 2,264 |
| Pretax return on assets | 1.2723% | 2,104 |
| Return on Equity (ROE) | 14.5935% | 888 |
| Retained earnings to average equity (ytd only) | 14.5935% | 223 |
| Net charge-offs to loans | 0.3111% | 3,633 |
| Credit loss provision to net charge-offs | 257.2860% | 1,809 |
| Earnings coverage of net charge-offs (x) | 6.4859% | 2,607 |
| Efficiency ratio | 64.6312% | 5,782 |
| Assets per employee ($millions) | 4.5438% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,193 |
| Loan loss allowance to noncurrent loans | 68.3726% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.1364% | 2,004 |
| Noncurrent loans to loans | 2.1948% | 3,264 |
| Net loans and leases to total assets | 72.4760% | 3,093 |
| Net loans and leases to deposits | 96.7542% | 1,687 |
| Net loans and leases to core deposits | 159.0058% | 472 |
| Total domestic deposits to total assets | 74.9073% | 6,782 |
| Equity capital to assets | 7.9350% | 6,824 |
| Core capital (leverage) ratio | 8.1495% | 6,077 |
| Tier 1 risk-based capital ratio | 10.2961% | 6,598 |
| Total risk-based capital ratio | 11.5475% | 6,533 |
| Memoranda: | ||
| Average total assets | $4,071,413,000 | 215 |
| Average earning assets | $3,514,309,330 | 223 |
| Average equity | $274,643,330 | 284 |
| Average total loans | $2,823,553,330 | 214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5458% | 790 |
| Cost of funding earning assets | 3.0738% | 496 |
| Net interest margin | 3.4720% | 4,843 |
| Noninterest income to average assets | 1.0410% | 1,374 |
| Noninterest expense to average assets | 2.5280% | 5,735 |
| Loan and lease loss provision to assets | 0.4758% | 2,570 |
| Net operating income to assets | 0.7758% | 3,230 |
| Return on assets (ROA) | 1.3331% | 1,403 |
| Pretax return on assets | 1.7714% | 1,036 |
| Return on Equity (ROE) | 21.4769% | 331 |
| Retained earnings to average equity (ytd only) | 21.4769% | 135 |
| Net charge-offs to loans | 0.2951% | 2,930 |
| Credit loss provision to net charge-offs | 239.1200% | 1,945 |
| Earnings coverage of net charge-offs (x) | 7.5591% | 2,329 |
| Efficiency ratio | 62.6962% | 5,933 |
| Assets per employee ($millions) | 4.8637% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 3,829 |
| Loan loss allowance to noncurrent loans | 55.9281% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4109% | 2,379 |
| Noncurrent loans to loans | 2.4036% | 2,747 |
| Net loans and leases to total assets | 66.1359% | 4,558 |
| Net loans and leases to deposits | 83.6215% | 4,041 |
| Net loans and leases to core deposits | 148.3559% | 760 |
| Total domestic deposits to total assets | 79.0896% | 5,687 |
| Equity capital to assets | 6.1475% | 7,970 |
| Core capital (leverage) ratio | 6.7214% | 7,792 |
| Tier 1 risk-based capital ratio | 8.9226% | 7,832 |
| Total risk-based capital ratio | 10.1378% | 7,894 |
| Memoranda: | ||
| Average total assets | $4,203,255,500 | 209 |
| Average earning assets | $3,621,165,000 | 214 |
| Average equity | $260,894,000 | 295 |
| Average total loans | $2,834,464,500 | 213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8664% | 225 |
| Cost of funding earning assets | 3.7873% | 209 |
| Net interest margin | 4.0790% | 2,799 |
| Noninterest income to average assets | 0.6412% | 3,545 |
| Noninterest expense to average assets | 2.5812% | 5,711 |
| Loan and lease loss provision to assets | 0.2361% | 4,539 |
| Net operating income to assets | 0.9595% | 2,747 |
| Return on assets (ROA) | -1.6312% | 7,466 |
| Pretax return on assets | -2.6534% | 7,629 |
| Return on Equity (ROE) | -24.0778% | 7,846 |
| Retained earnings to average equity (ytd only) | -24.9215% | 7,808 |
| Net charge-offs to loans | 0.3479% | 3,092 |
| Credit loss provision to net charge-offs | 102.2784% | 5,204 |
| Earnings coverage of net charge-offs (x) | 7.0650% | 3,198 |
| Efficiency ratio | 61.2845% | 6,110 |
| Assets per employee ($millions) | 4.4520% | 2,692 |
| Cash dividends to net income (ytd only)* | -3.5041% | 7,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,249 |
| Loan loss allowance to noncurrent loans | 40.6928% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 2.6229% | 1,826 |
| Noncurrent loans to loans | 3.0414% | 1,758 |
| Net loans and leases to total assets | 66.9968% | 4,637 |
| Net loans and leases to deposits | 86.3666% | 4,061 |
| Net loans and leases to core deposits | 140.8062% | 1,220 |
| Total domestic deposits to total assets | 77.5726% | 5,850 |
| Equity capital to assets | 6.2669% | 8,003 |
| Core capital (leverage) ratio | 6.3237% | 7,982 |
| Tier 1 risk-based capital ratio | 8.4763% | 7,997 |
| Total risk-based capital ratio | 9.6000% | 8,066 |
| Memoranda: | ||
| Average total assets | $4,373,743,000 | 197 |
| Average earning assets | $3,828,735,200 | 199 |
| Average equity | $296,314,600 | 272 |
| Average total loans | $2,901,707,000 | 204 |