Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 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 | 2.9506% | 6,794 |
| Cost of funding earning assets | 0.3635% | 6,139 |
| Net interest margin | 2.5871% | 6,642 |
| Noninterest income to average assets | 0.6586% | 2,946 |
| Noninterest expense to average assets | 3.6538% | 1,497 |
| Loan and lease loss provision to assets | 0.6074% | 902 |
| Net operating income to assets | -1.1957% | 6,796 |
| Return on assets (ROA) | -1.1302% | 6,793 |
| Pretax return on assets | -1.1302% | 6,766 |
| Return on Equity (ROE) | -11.0152% | 6,750 |
| Retained earnings to average equity (ytd only) | -11.0152% | 6,675 |
| Net charge-offs to loans | 1.5973% | 531 |
| Credit loss provision to net charge-offs | 86.4407% | 3,606 |
| Earnings coverage of net charge-offs (x) | -0.8373% | 5,735 |
| Efficiency ratio | 119.1919% | 216 |
| Assets per employee ($millions) | 3.6338% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0465% | 276 |
| Loan loss allowance to noncurrent loans | 90.4355% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.8120% | 1,700 |
| Noncurrent loans to loans | 4.4744% | 957 |
| Net loans and leases to total assets | 34.4971% | 6,518 |
| Net loans and leases to deposits | 40.8394% | 6,513 |
| Net loans and leases to core deposits | 43.9028% | 6,470 |
| Total domestic deposits to total assets | 84.4702% | 4,094 |
| Equity capital to assets | 10.3536% | 3,691 |
| Core capital (leverage) ratio | 10.1549% | 3,189 |
| Tier 1 risk-based capital ratio | 21.9820% | 1,266 |
| Total risk-based capital ratio | 23.3150% | 1,220 |
| Memoranda: | ||
| Average total assets | $83,966,800 | 5,246 |
| Average earning assets | $78,119,000 | 5,178 |
| Average equity | $8,615,400 | 5,330 |
| Average total loans | $36,937,800 | 5,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9456% | 6,920 |
| Cost of funding earning assets | 0.3795% | 6,232 |
| Net interest margin | 2.5660% | 6,783 |
| Noninterest income to average assets | 1.3290% | 837 |
| Noninterest expense to average assets | 4.1691% | 754 |
| Loan and lease loss provision to assets | 0.8002% | 589 |
| Net operating income to assets | -1.2427% | 6,916 |
| Return on assets (ROA) | -1.1549% | 6,919 |
| Pretax return on assets | -1.1549% | 6,902 |
| Return on Equity (ROE) | -11.2794% | 6,884 |
| Retained earnings to average equity (ytd only) | -11.2794% | 6,847 |
| Net charge-offs to loans | 2.0177% | 358 |
| Credit loss provision to net charge-offs | 86.4407% | 3,416 |
| Earnings coverage of net charge-offs (x) | -0.4780% | 5,490 |
| Efficiency ratio | 111.8737% | 276 |
| Assets per employee ($millions) | 2.5586% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3185% | 540 |
| Loan loss allowance to noncurrent loans | 59.7329% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.3738% | 1,500 |
| Noncurrent loans to loans | 5.5556% | 770 |
| Net loans and leases to total assets | 42.7185% | 6,063 |
| Net loans and leases to deposits | 51.3425% | 6,020 |
| Net loans and leases to core deposits | 55.7460% | 5,912 |
| Total domestic deposits to total assets | 83.2028% | 4,561 |
| Equity capital to assets | 10.7354% | 3,569 |
| Core capital (leverage) ratio | 10.2819% | 3,188 |
| Tier 1 risk-based capital ratio | 19.8818% | 1,792 |
| Total risk-based capital ratio | 21.1907% | 1,751 |
| Memoranda: | ||
| Average total assets | $84,972,750 | 5,273 |
| Average earning assets | $79,394,250 | 5,198 |
| Average equity | $8,700,000 | 5,351 |
| Average total loans | $38,987,000 | 5,618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9384% | 6,995 |
| Cost of funding earning assets | 0.3952% | 6,294 |
| Net interest margin | 2.5432% | 6,856 |
| Noninterest income to average assets | 1.1513% | 1,069 |
| Noninterest expense to average assets | 4.1378% | 791 |
| Loan and lease loss provision to assets | 1.1743% | 360 |
| Net operating income to assets | -1.7753% | 7,048 |
| Return on assets (ROA) | -1.6464% | 7,048 |
| Pretax return on assets | -1.6464% | 7,025 |
| Return on Equity (ROE) | -16.3211% | 6,997 |
| Retained earnings to average equity (ytd only) | -16.3211% | 6,965 |
| Net charge-offs to loans | 2.9826% | 198 |
| Credit loss provision to net charge-offs | 84.8586% | 3,190 |
| Earnings coverage of net charge-offs (x) | -0.4343% | 5,220 |
| Efficiency ratio | 116.9922% | 250 |
| Assets per employee ($millions) | 2.4771% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0125% | 773 |
| Loan loss allowance to noncurrent loans | 49.4845% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.7434% | 1,389 |
| Noncurrent loans to loans | 6.0877% | 716 |
| Net loans and leases to total assets | 45.3727% | 5,886 |
| Net loans and leases to deposits | 53.4316% | 5,919 |
| Net loans and leases to core deposits | 58.2245% | 5,758 |
| Total domestic deposits to total assets | 84.9174% | 3,895 |
| Equity capital to assets | 10.3373% | 3,900 |
| Core capital (leverage) ratio | 9.5941% | 4,010 |
| Tier 1 risk-based capital ratio | 18.7735% | 2,039 |
| Total risk-based capital ratio | 20.0797% | 1,998 |
| Memoranda: | ||
| Average total assets | $86,858,000 | 5,249 |
| Average earning assets | $81,473,670 | 5,166 |
| Average equity | $8,761,670 | 5,334 |
| Average total loans | $40,300,670 | 5,588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8631% | 7,088 |
| Cost of funding earning assets | 0.4152% | 6,338 |
| Net interest margin | 2.4480% | 6,984 |
| Noninterest income to average assets | 1.3197% | 820 |
| Noninterest expense to average assets | 3.8204% | 1,185 |
| Loan and lease loss provision to assets | 1.6552% | 199 |
| Net operating income to assets | -1.8610% | 7,143 |
| Return on assets (ROA) | -1.6060% | 7,113 |
| Pretax return on assets | -1.6060% | 7,092 |
| Return on Equity (ROE) | -16.1032% | 7,076 |
| Retained earnings to average equity (ytd only) | -16.1032% | 6,993 |
| Net charge-offs to loans | 3.8809% | 152 |
| Credit loss provision to net charge-offs | 92.2693% | 2,509 |
| Earnings coverage of net charge-offs (x) | -0.1147% | 4,411 |
| Efficiency ratio | 105.6931% | 416 |
| Assets per employee ($millions) | 2.6206% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0554% | 792 |
| Loan loss allowance to noncurrent loans | 40.2390% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.9107% | 1,423 |
| Noncurrent loans to loans | 7.5930% | 546 |
| Net loans and leases to total assets | 41.9267% | 6,203 |
| Net loans and leases to deposits | 48.3401% | 6,272 |
| Net loans and leases to core deposits | 52.8053% | 6,142 |
| Total domestic deposits to total assets | 86.7327% | 3,100 |
| Equity capital to assets | 9.5146% | 4,785 |
| Core capital (leverage) ratio | 9.3315% | 4,314 |
| Tier 1 risk-based capital ratio | 18.7344% | 2,072 |
| Total risk-based capital ratio | 20.0331% | 2,022 |
| Memoranda: | ||
| Average total assets | $89,415,500 | 5,228 |
| Average earning assets | $83,825,000 | 5,150 |
| Average equity | $8,917,500 | 5,309 |
| Average total loans | $41,330,500 | 5,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 6,708 |
| Cost of funding earning assets | 0.4040% | 6,877 |
| Net interest margin | 3.4113% | 5,448 |
| Noninterest income to average assets | 2.1045% | 344 |
| Noninterest expense to average assets | 5.2783% | 303 |
| Loan and lease loss provision to assets | 0.4223% | 2,482 |
| Net operating income to assets | -0.4153% | 6,428 |
| Return on assets (ROA) | 0.0936% | 5,994 |
| Pretax return on assets | 0.0936% | 5,978 |
| Return on Equity (ROE) | 0.8760% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.8760% | 5,449 |
| Net charge-offs to loans | 0.9944% | 1,748 |
| Credit loss provision to net charge-offs | 74.5868% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.0124% | 5,810 |
| Efficiency ratio | 99.8672% | 676 |
| Assets per employee ($millions) | 2.4888% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8912% | 900 |
| Loan loss allowance to noncurrent loans | 28.1923% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 5.8834% | 844 |
| Noncurrent loans to loans | 10.2552% | 300 |
| Net loans and leases to total assets | 47.9285% | 5,829 |
| Net loans and leases to deposits | 56.3633% | 5,855 |
| Net loans and leases to core deposits | 61.9887% | 5,650 |
| Total domestic deposits to total assets | 85.0348% | 3,824 |
| Equity capital to assets | 10.4559% | 3,581 |
| Core capital (leverage) ratio | 10.4326% | 2,806 |
| Tier 1 risk-based capital ratio | 19.1247% | 1,863 |
| Total risk-based capital ratio | 20.4143% | 1,818 |
| Memoranda: | ||
| Average total assets | $85,482,800 | 5,295 |
| Average earning assets | $79,705,800 | 5,241 |
| Average equity | $9,132,200 | 5,243 |
| Average total loans | $48,671,600 | 5,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 6,690 |
| Cost of funding earning assets | 0.4037% | 7,010 |
| Net interest margin | 3.5270% | 5,067 |
| Noninterest income to average assets | 2.2708% | 310 |
| Noninterest expense to average assets | 5.5290% | 254 |
| Loan and lease loss provision to assets | 0.2884% | 3,207 |
| Net operating income to assets | -0.2602% | 6,448 |
| Return on assets (ROA) | -0.0282% | 6,294 |
| Pretax return on assets | -0.0282% | 6,260 |
| Return on Equity (ROE) | -0.2626% | 6,297 |
| Retained earnings to average equity (ytd only) | -0.2626% | 6,025 |
| Net charge-offs to loans | 1.2936% | 1,195 |
| Credit loss provision to net charge-offs | 37.8601% | 5,286 |
| Earnings coverage of net charge-offs (x) | 0.0370% | 5,571 |
| Efficiency ratio | 99.4924% | 674 |
| Assets per employee ($millions) | 2.3911% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3716% | 1,582 |
| Loan loss allowance to noncurrent loans | 31.8372% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 4.6479% | 1,279 |
| Noncurrent loans to loans | 7.4492% | 637 |
| Net loans and leases to total assets | 50.8823% | 5,599 |
| Net loans and leases to deposits | 62.1709% | 5,379 |
| Net loans and leases to core deposits | 66.9919% | 5,309 |
| Total domestic deposits to total assets | 81.8427% | 5,151 |
| Equity capital to assets | 10.9385% | 3,202 |
| Core capital (leverage) ratio | 10.5899% | 2,773 |
| Tier 1 risk-based capital ratio | 17.0310% | 2,636 |
| Total risk-based capital ratio | 18.3117% | 2,580 |
| Memoranda: | ||
| Average total assets | $85,076,250 | 5,351 |
| Average earning assets | $79,271,750 | 5,290 |
| Average equity | $9,138,250 | 5,273 |
| Average total loans | $50,091,250 | 5,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 6,669 |
| Cost of funding earning assets | 0.4105% | 7,102 |
| Net interest margin | 3.5857% | 4,770 |
| Noninterest income to average assets | 2.5867% | 257 |
| Noninterest expense to average assets | 6.3039% | 176 |
| Loan and lease loss provision to assets | 0.4343% | 2,255 |
| Net operating income to assets | -0.8119% | 6,875 |
| Return on assets (ROA) | -0.5877% | 6,768 |
| Pretax return on assets | -0.5877% | 6,703 |
| Return on Equity (ROE) | -5.5054% | 6,744 |
| Retained earnings to average equity (ytd only) | -5.5054% | 6,607 |
| Net charge-offs to loans | 1.4431% | 1,041 |
| Credit loss provision to net charge-offs | 49.1979% | 4,602 |
| Earnings coverage of net charge-offs (x) | -0.4278% | 5,504 |
| Efficiency ratio | 106.3720% | 550 |
| Assets per employee ($millions) | 3.0883% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5245% | 1,409 |
| Loan loss allowance to noncurrent loans | 29.4634% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 5.6557% | 1,030 |
| Noncurrent loans to loans | 8.5684% | 504 |
| Net loans and leases to total assets | 54.4079% | 5,235 |
| Net loans and leases to deposits | 65.5863% | 5,061 |
| Net loans and leases to core deposits | 70.0675% | 5,067 |
| Total domestic deposits to total assets | 82.9562% | 4,772 |
| Equity capital to assets | 10.9168% | 3,043 |
| Core capital (leverage) ratio | 10.3177% | 2,914 |
| Tier 1 risk-based capital ratio | 16.2844% | 2,841 |
| Total risk-based capital ratio | 17.5680% | 2,794 |
| Memoranda: | ||
| Average total assets | $84,741,330 | 5,402 |
| Average earning assets | $78,924,670 | 5,345 |
| Average equity | $9,045,670 | 5,311 |
| Average total loans | $51,833,670 | 5,290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 6,589 |
| Cost of funding earning assets | 0.4274% | 7,166 |
| Net interest margin | 3.6301% | 4,431 |
| Noninterest income to average assets | 3.6900% | 178 |
| Noninterest expense to average assets | 7.8577% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7867% | 6,955 |
| Return on assets (ROA) | -0.6696% | 6,906 |
| Pretax return on assets | -0.6696% | 6,857 |
| Return on Equity (ROE) | -6.3436% | 6,884 |
| Retained earnings to average equity (ytd only) | -6.3436% | 6,620 |
| Net charge-offs to loans | 0.0734% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -16.8000% | 5,073 |
| Efficiency ratio | 111.1258% | 477 |
| Assets per employee ($millions) | 2.0884% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 1,148 |
| Loan loss allowance to noncurrent loans | 37.8069% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 5.1930% | 1,209 |
| Noncurrent loans to loans | 7.3015% | 728 |
| Net loans and leases to total assets | 57.1382% | 4,777 |
| Net loans and leases to deposits | 68.2915% | 4,634 |
| Net loans and leases to core deposits | 72.7385% | 4,687 |
| Total domestic deposits to total assets | 83.6681% | 4,633 |
| Equity capital to assets | 10.6637% | 3,025 |
| Core capital (leverage) ratio | 10.2378% | 2,881 |
| Tier 1 risk-based capital ratio | 16.2280% | 2,796 |
| Total risk-based capital ratio | 17.5130% | 2,737 |
| Memoranda: | ||
| Average total assets | $85,419,500 | 5,426 |
| Average earning assets | $79,556,500 | 5,375 |
| Average equity | $9,017,000 | 5,325 |
| Average total loans | $54,479,000 | 5,234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 5,351 |
| Cost of funding earning assets | 0.7648% | 6,691 |
| Net interest margin | 4.0543% | 2,782 |
| Noninterest income to average assets | 7.2920% | 90 |
| Noninterest expense to average assets | 10.0809% | 79 |
| Loan and lease loss provision to assets | 1.9536% | 685 |
| Net operating income to assets | -0.9606% | 6,655 |
| Return on assets (ROA) | -0.7917% | 6,598 |
| Pretax return on assets | -0.7917% | 6,519 |
| Return on Equity (ROE) | -7.7592% | 6,608 |
| Retained earnings to average equity (ytd only) | -7.7592% | 6,516 |
| Net charge-offs to loans | 2.4009% | 789 |
| Credit loss provision to net charge-offs | 111.9872% | 3,910 |
| Earnings coverage of net charge-offs (x) | 0.5692% | 5,539 |
| Efficiency ratio | 91.0330% | 1,242 |
| Assets per employee ($millions) | 1.2472% | 7,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,725 |
| Loan loss allowance to noncurrent loans | 41.3887% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 4.6413% | 1,430 |
| Noncurrent loans to loans | 5.5084% | 1,192 |
| Net loans and leases to total assets | 67.0160% | 3,223 |
| Net loans and leases to deposits | 80.1795% | 3,139 |
| Net loans and leases to core deposits | 87.6352% | 3,100 |
| Total domestic deposits to total assets | 83.5825% | 4,568 |
| Equity capital to assets | 10.4532% | 3,206 |
| Core capital (leverage) ratio | 9.7651% | 3,360 |
| Tier 1 risk-based capital ratio | 15.2419% | 3,133 |
| Total risk-based capital ratio | 16.5256% | 3,066 |
| Memoranda: | ||
| Average total assets | $89,426,600 | 5,309 |
| Average earning assets | $83,416,800 | 5,235 |
| Average equity | $9,124,600 | 5,386 |
| Average total loans | $64,975,600 | 4,871 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 6,159 |
| Cost of funding earning assets | 0.8356% | 6,634 |
| Net interest margin | 3.8222% | 3,870 |
| Noninterest income to average assets | 6.6726% | 100 |
| Noninterest expense to average assets | 9.3612% | 87 |
| Loan and lease loss provision to assets | 2.2795% | 487 |
| Net operating income to assets | -1.4021% | 7,077 |
| Return on assets (ROA) | -1.2583% | 7,037 |
| Pretax return on assets | -1.2583% | 6,963 |
| Return on Equity (ROE) | -12.4062% | 7,026 |
| Retained earnings to average equity (ytd only) | -12.4062% | 6,989 |
| Net charge-offs to loans | 2.1795% | 837 |
| Credit loss provision to net charge-offs | 142.0129% | 2,783 |
| Earnings coverage of net charge-offs (x) | 0.5466% | 5,479 |
| Efficiency ratio | 91.4302% | 1,179 |
| Assets per employee ($millions) | 1.2978% | 7,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 1,540 |
| Loan loss allowance to noncurrent loans | 39.5304% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 5.1867% | 1,214 |
| Noncurrent loans to loans | 5.9526% | 1,055 |
| Net loans and leases to total assets | 74.5924% | 1,667 |
| Net loans and leases to deposits | 86.9551% | 2,158 |
| Net loans and leases to core deposits | 97.2852% | 2,120 |
| Total domestic deposits to total assets | 85.7827% | 3,199 |
| Equity capital to assets | 10.0598% | 4,078 |
| Core capital (leverage) ratio | 9.5254% | 3,869 |
| Tier 1 risk-based capital ratio | 13.4113% | 4,260 |
| Total risk-based capital ratio | 14.6879% | 4,194 |
| Memoranda: | ||
| Average total assets | $89,957,500 | 5,359 |
| Average earning assets | $83,929,500 | 5,277 |
| Average equity | $9,124,250 | 5,460 |
| Average total loans | $66,251,500 | 4,890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 6,189 |
| Cost of funding earning assets | 0.9097% | 6,539 |
| Net interest margin | 3.7752% | 4,019 |
| Noninterest income to average assets | 6.0874% | 113 |
| Noninterest expense to average assets | 8.9203% | 99 |
| Loan and lease loss provision to assets | 2.7526% | 388 |
| Net operating income to assets | -2.0678% | 7,326 |
| Return on assets (ROA) | -1.8782% | 7,284 |
| Pretax return on assets | -1.8782% | 7,202 |
| Return on Equity (ROE) | -18.4663% | 7,242 |
| Retained earnings to average equity (ytd only) | -18.4663% | 7,215 |
| Net charge-offs to loans | 3.3588% | 445 |
| Credit loss provision to net charge-offs | 112.6941% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.2804% | 5,448 |
| Efficiency ratio | 92.8704% | 1,135 |
| Assets per employee ($millions) | 1.2517% | 7,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 2,183 |
| Loan loss allowance to noncurrent loans | 30.3247% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 5.2958% | 1,187 |
| Noncurrent loans to loans | 6.5929% | 901 |
| Net loans and leases to total assets | 73.6809% | 1,983 |
| Net loans and leases to deposits | 87.1838% | 2,306 |
| Net loans and leases to core deposits | 98.2498% | 2,202 |
| Total domestic deposits to total assets | 84.5121% | 3,863 |
| Equity capital to assets | 10.3530% | 3,584 |
| Core capital (leverage) ratio | 9.7628% | 3,456 |
| Tier 1 risk-based capital ratio | 13.8233% | 3,854 |
| Total risk-based capital ratio | 15.1020% | 3,801 |
| Memoranda: | ||
| Average total assets | $89,661,000 | 5,406 |
| Average earning assets | $83,545,670 | 5,313 |
| Average equity | $9,119,330 | 5,470 |
| Average total loans | $65,202,670 | 4,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 5,775 |
| Cost of funding earning assets | 0.9674% | 6,518 |
| Net interest margin | 3.8599% | 3,507 |
| Noninterest income to average assets | 5.5314% | 133 |
| Noninterest expense to average assets | 8.3897% | 110 |
| Loan and lease loss provision to assets | 1.1204% | 1,090 |
| Net operating income to assets | -0.4014% | 6,760 |
| Return on assets (ROA) | -0.0265% | 6,429 |
| Pretax return on assets | -0.0132% | 6,375 |
| Return on Equity (ROE) | -0.2625% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.2625% | 5,890 |
| Net charge-offs to loans | 3.9095% | 342 |
| Credit loss provision to net charge-offs | 40.0631% | 4,640 |
| Earnings coverage of net charge-offs (x) | 0.2618% | 4,813 |
| Efficiency ratio | 91.9729% | 1,278 |
| Assets per employee ($millions) | 1.2810% | 7,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,908 |
| Loan loss allowance to noncurrent loans | 23.6251% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 4.2009% | 1,621 |
| Noncurrent loans to loans | 5.5220% | 1,260 |
| Net loans and leases to total assets | 67.4090% | 3,527 |
| Net loans and leases to deposits | 77.2555% | 4,177 |
| Net loans and leases to core deposits | 86.8292% | 3,780 |
| Total domestic deposits to total assets | 87.2547% | 2,498 |
| Equity capital to assets | 10.1436% | 3,679 |
| Core capital (leverage) ratio | 9.4523% | 3,845 |
| Tier 1 risk-based capital ratio | 14.1890% | 3,538 |
| Total risk-based capital ratio | 15.4524% | 3,506 |
| Memoranda: | ||
| Average total assets | $90,683,000 | 5,429 |
| Average earning assets | $84,353,500 | 5,351 |
| Average equity | $9,143,500 | 5,505 |
| Average total loans | $64,867,000 | 5,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,200 |
| Cost of funding earning assets | 1.5259% | 5,398 |
| Net interest margin | 4.1556% | 2,227 |
| Noninterest income to average assets | 7.4828% | 95 |
| Noninterest expense to average assets | 10.4862% | 93 |
| Loan and lease loss provision to assets | 0.8370% | 2,634 |
| Net operating income to assets | -0.0649% | 5,611 |
| Return on assets (ROA) | -0.0649% | 5,633 |
| Pretax return on assets | -0.0403% | 5,508 |
| Return on Equity (ROE) | -0.6761% | 5,650 |
| Retained earnings to average equity (ytd only) | -0.6761% | 5,166 |
| Net charge-offs to loans | 0.3761% | 4,325 |
| Credit loss provision to net charge-offs | 295.6522% | 1,129 |
| Earnings coverage of net charge-offs (x) | 2.8142% | 3,684 |
| Efficiency ratio | 92.9386% | 1,486 |
| Assets per employee ($millions) | 1.3099% | 7,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 2,826 |
| Loan loss allowance to noncurrent loans | 33.1646% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.2969% | 1,525 |
| Noncurrent loans to loans | 5.1907% | 1,280 |
| Net loans and leases to total assets | 73.4061% | 2,404 |
| Net loans and leases to deposits | 85.4869% | 2,999 |
| Net loans and leases to core deposits | 103.4568% | 3,632 |
| Total domestic deposits to total assets | 85.8682% | 3,075 |
| Equity capital to assets | 10.0236% | 3,721 |
| Core capital (leverage) ratio | 9.6393% | 3,535 |
| Tier 1 risk-based capital ratio | 13.3565% | 3,909 |
| Total risk-based capital ratio | 14.6097% | 3,854 |
| Memoranda: | ||
| Average total assets | $89,365,400 | 5,410 |
| Average earning assets | $81,721,600 | 5,402 |
| Average equity | $8,578,200 | 5,739 |
| Average total loans | $67,262,000 | 4,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8324% | 2,741 |
| Cost of funding earning assets | 1.6742% | 5,039 |
| Net interest margin | 4.1582% | 2,186 |
| Noninterest income to average assets | 7.8286% | 96 |
| Noninterest expense to average assets | 10.7675% | 94 |
| Loan and lease loss provision to assets | 0.9942% | 1,927 |
| Net operating income to assets | -0.1757% | 6,018 |
| Return on assets (ROA) | -0.1757% | 6,032 |
| Pretax return on assets | -0.1397% | 5,896 |
| Return on Equity (ROE) | -1.8516% | 6,076 |
| Retained earnings to average equity (ytd only) | -1.8516% | 5,692 |
| Net charge-offs to loans | 0.4321% | 3,522 |
| Credit loss provision to net charge-offs | 305.0691% | 1,353 |
| Earnings coverage of net charge-offs (x) | 2.6221% | 3,909 |
| Efficiency ratio | 92.6476% | 1,488 |
| Assets per employee ($millions) | 1.2721% | 8,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 2,446 |
| Loan loss allowance to noncurrent loans | 34.6225% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 4.0911% | 1,548 |
| Noncurrent loans to loans | 5.0548% | 1,293 |
| Net loans and leases to total assets | 71.1141% | 3,244 |
| Net loans and leases to deposits | 81.8893% | 4,047 |
| Net loans and leases to core deposits | 98.5572% | 4,545 |
| Total domestic deposits to total assets | 86.8418% | 2,261 |
| Equity capital to assets | 10.3496% | 3,679 |
| Core capital (leverage) ratio | 9.2656% | 4,241 |
| Tier 1 risk-based capital ratio | 13.7032% | 3,710 |
| Total risk-based capital ratio | 14.9671% | 3,650 |
| Memoranda: | ||
| Average total assets | $88,783,250 | 5,461 |
| Average earning assets | $80,994,000 | 5,458 |
| Average equity | $8,425,000 | 5,845 |
| Average total loans | $66,955,500 | 5,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 2,727 |
| Cost of funding earning assets | 1.7630% | 4,939 |
| Net interest margin | 4.1048% | 2,306 |
| Noninterest income to average assets | 8.4176% | 84 |
| Noninterest expense to average assets | 11.0220% | 101 |
| Loan and lease loss provision to assets | 0.7351% | 2,227 |
| Net operating income to assets | 0.4149% | 4,446 |
| Return on assets (ROA) | 0.4149% | 4,557 |
| Pretax return on assets | 0.4510% | 4,784 |
| Return on Equity (ROE) | 4.5091% | 4,300 |
| Retained earnings to average equity (ytd only) | 4.5091% | 2,784 |
| Net charge-offs to loans | 0.0295% | 6,052 |
| Credit loss provision to net charge-offs | 3,260.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 52.6000% | 664 |
| Efficiency ratio | 90.2844% | 1,779 |
| Assets per employee ($millions) | 1.3296% | 8,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,846 |
| Loan loss allowance to noncurrent loans | 25.4259% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 4.3235% | 1,332 |
| Noncurrent loans to loans | 5.4202% | 1,076 |
| Net loans and leases to total assets | 76.8889% | 1,971 |
| Net loans and leases to deposits | 86.2068% | 3,511 |
| Net loans and leases to core deposits | 103.4791% | 4,125 |
| Total domestic deposits to total assets | 89.1912% | 1,173 |
| Equity capital to assets | 8.9630% | 5,369 |
| Core capital (leverage) ratio | 8.5944% | 5,271 |
| Tier 1 risk-based capital ratio | 11.9386% | 4,969 |
| Total risk-based capital ratio | 13.1835% | 4,892 |
| Memoranda: | ||
| Average total assets | $88,695,330 | 5,507 |
| Average earning assets | $81,903,670 | 5,469 |
| Average equity | $8,161,330 | 5,965 |
| Average total loans | $67,789,670 | 5,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9202% | 2,697 |
| Cost of funding earning assets | 1.7445% | 5,385 |
| Net interest margin | 4.1757% | 1,990 |
| Noninterest income to average assets | 7.8884% | 82 |
| Noninterest expense to average assets | 10.6257% | 102 |
| Loan and lease loss provision to assets | 2.0576% | 583 |
| Net operating income to assets | -0.9710% | 7,238 |
| Return on assets (ROA) | -0.9710% | 7,258 |
| Pretax return on assets | -0.9433% | 7,125 |
| Return on Equity (ROE) | -10.4076% | 7,389 |
| Retained earnings to average equity (ytd only) | -10.4076% | 7,151 |
| Net charge-offs to loans | 0.0673% | 4,526 |
| Credit loss provision to net charge-offs | 4,045.4545% | 177 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,321 |
| Efficiency ratio | 90.5081% | 1,682 |
| Assets per employee ($millions) | 1.1176% | 8,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 2,250 |
| Loan loss allowance to noncurrent loans | 35.3239% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 3.6418% | 1,456 |
| Noncurrent loans to loans | 4.7224% | 1,181 |
| Net loans and leases to total assets | 73.7112% | 2,825 |
| Net loans and leases to deposits | 82.6733% | 4,179 |
| Net loans and leases to core deposits | 104.0875% | 4,129 |
| Total domestic deposits to total assets | 89.1597% | 1,164 |
| Equity capital to assets | 8.9288% | 5,438 |
| Core capital (leverage) ratio | 8.4869% | 5,567 |
| Tier 1 risk-based capital ratio | 11.8549% | 5,076 |
| Total risk-based capital ratio | 13.1126% | 4,977 |
| Memoranda: | ||
| Average total assets | $86,507,000 | 5,587 |
| Average earning assets | $79,794,500 | 5,554 |
| Average equity | $8,071,000 | 6,030 |
| Average total loans | $65,403,500 | 5,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6591% | 2,208 |
| Cost of funding earning assets | 2.6150% | 3,608 |
| Net interest margin | 4.0441% | 2,931 |
| Noninterest income to average assets | 7.8746% | 90 |
| Noninterest expense to average assets | 11.0575% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5120% | 4,675 |
| Return on assets (ROA) | 0.6254% | 4,055 |
| Pretax return on assets | 0.6888% | 4,435 |
| Return on Equity (ROE) | 7.6781% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.6781% | 934 |
| Net charge-offs to loans | -0.1917% | 8,159 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1454% | 1,212 |
| Assets per employee ($millions) | 1.0451% | 8,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 5,479 |
| Loan loss allowance to noncurrent loans | 32.4004% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 2.6302% | 1,816 |
| Noncurrent loans to loans | 3.3048% | 1,566 |
| Net loans and leases to total assets | 75.4757% | 2,769 |
| Net loans and leases to deposits | 86.6395% | 4,012 |
| Net loans and leases to core deposits | 100.3978% | 4,786 |
| Total domestic deposits to total assets | 87.1147% | 1,883 |
| Equity capital to assets | 9.7588% | 4,350 |
| Core capital (leverage) ratio | 9.3027% | 4,295 |
| Tier 1 risk-based capital ratio | 12.3731% | 4,526 |
| Total risk-based capital ratio | 13.4600% | 4,551 |
| Memoranda: | ||
| Average total assets | $91,458,200 | 5,305 |
| Average earning assets | $84,740,600 | 5,280 |
| Average equity | $7,449,800 | 6,294 |
| Average total loans | $66,776,600 | 4,990 |