Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 2,063 |
| Cost of funding earning assets | 1.0009% | 1,755 |
| Net interest margin | 3.9110% | 2,862 |
| Noninterest income to average assets | 0.4029% | 4,627 |
| Noninterest expense to average assets | 2.4044% | 5,443 |
| Loan and lease loss provision to assets | 0.0881% | 4,480 |
| Net operating income to assets | 0.9270% | 2,776 |
| Return on assets (ROA) | 0.9578% | 2,872 |
| Pretax return on assets | 1.4774% | 1,933 |
| Return on Equity (ROE) | 8.1494% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.1494% | 1,587 |
| Net charge-offs to loans | -0.0297% | 6,520 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0397% | 5,416 |
| Assets per employee ($millions) | 5.3340% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7158% | 1,016 |
| Loan loss allowance to noncurrent loans | 102.2890% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9167% | 2,887 |
| Noncurrent loans to loans | 2.6551% | 2,262 |
| Net loans and leases to total assets | 56.4900% | 4,395 |
| Net loans and leases to deposits | 73.3290% | 3,408 |
| Net loans and leases to core deposits | 78.9033% | 3,379 |
| Total domestic deposits to total assets | 77.0363% | 6,317 |
| Equity capital to assets | 15.1977% | 735 |
| Core capital (leverage) ratio | 12.8897% | 1,181 |
| Tier 1 risk-based capital ratio | 18.3885% | 2,164 |
| Total risk-based capital ratio | 19.6737% | 2,115 |
| Memoranda: | ||
| Average total assets | $90,835,000 | 5,142 |
| Average earning assets | $82,127,330 | 5,146 |
| Average equity | $10,675,670 | 4,881 |
| Average total loans | $53,784,670 | 5,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 2,478 |
| Cost of funding earning assets | 1.0186% | 1,873 |
| Net interest margin | 3.8233% | 3,277 |
| Noninterest income to average assets | 0.3916% | 4,729 |
| Noninterest expense to average assets | 2.5783% | 4,890 |
| Loan and lease loss provision to assets | 0.1760% | 3,206 |
| Net operating income to assets | 1.1219% | 1,979 |
| Return on assets (ROA) | 1.1835% | 1,964 |
| Pretax return on assets | 1.1835% | 2,969 |
| Return on Equity (ROE) | 11.7944% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.7944% | 858 |
| Net charge-offs to loans | -0.0147% | 6,074 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5153% | 4,459 |
| Assets per employee ($millions) | 4.4150% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7236% | 1,084 |
| Loan loss allowance to noncurrent loans | 119.8653% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 3,551 |
| Noncurrent loans to loans | 2.2722% | 2,835 |
| Net loans and leases to total assets | 57.5991% | 4,111 |
| Net loans and leases to deposits | 69.6093% | 3,786 |
| Net loans and leases to core deposits | 74.9407% | 3,755 |
| Total domestic deposits to total assets | 82.7463% | 5,028 |
| Equity capital to assets | 10.5006% | 3,490 |
| Core capital (leverage) ratio | 10.1801% | 3,137 |
| Tier 1 risk-based capital ratio | 13.9930% | 4,478 |
| Total risk-based capital ratio | 15.2551% | 4,431 |
| Memoranda: | ||
| Average total assets | $90,913,500 | 5,178 |
| Average earning assets | $82,860,000 | 5,178 |
| Average equity | $9,123,000 | 5,252 |
| Average total loans | $54,350,000 | 5,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 1,456 |
| Cost of funding earning assets | 1.2074% | 1,979 |
| Net interest margin | 4.1761% | 2,133 |
| Noninterest income to average assets | 0.4368% | 4,319 |
| Noninterest expense to average assets | 2.7551% | 4,534 |
| Loan and lease loss provision to assets | 0.1605% | 4,623 |
| Net operating income to assets | 0.9241% | 2,511 |
| Return on assets (ROA) | 0.9241% | 2,628 |
| Pretax return on assets | 1.3598% | 1,915 |
| Return on Equity (ROE) | 9.4375% | 2,270 |
| Retained earnings to average equity (ytd only) | 7.1542% | 1,429 |
| Net charge-offs to loans | 0.1257% | 5,136 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 18.9429% | 1,189 |
| Efficiency ratio | 64.4409% | 5,049 |
| Assets per employee ($millions) | 4.6764% | 2,640 |
| Cash dividends to net income (ytd only)* | 24.1935% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4497% | 1,382 |
| Loan loss allowance to noncurrent loans | 103.0574% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 3,530 |
| Noncurrent loans to loans | 2.3770% | 2,756 |
| Net loans and leases to total assets | 58.8429% | 4,219 |
| Net loans and leases to deposits | 70.6869% | 3,993 |
| Net loans and leases to core deposits | 76.3058% | 3,941 |
| Total domestic deposits to total assets | 83.2444% | 4,649 |
| Equity capital to assets | 9.5951% | 4,753 |
| Core capital (leverage) ratio | 9.5260% | 3,981 |
| Tier 1 risk-based capital ratio | 12.6344% | 5,344 |
| Total risk-based capital ratio | 13.8938% | 5,323 |
| Memoranda: | ||
| Average total assets | $87,219,000 | 5,256 |
| Average earning assets | $80,169,600 | 5,228 |
| Average equity | $8,540,400 | 5,390 |
| Average total loans | $55,691,400 | 5,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 1,451 |
| Cost of funding earning assets | 1.2279% | 2,138 |
| Net interest margin | 4.1944% | 2,125 |
| Noninterest income to average assets | 0.3939% | 4,712 |
| Noninterest expense to average assets | 2.6778% | 4,813 |
| Loan and lease loss provision to assets | 0.2180% | 3,830 |
| Net operating income to assets | 1.0618% | 2,102 |
| Return on assets (ROA) | 1.0618% | 2,242 |
| Pretax return on assets | 1.3591% | 2,087 |
| Return on Equity (ROE) | 10.7840% | 1,933 |
| Retained earnings to average equity (ytd only) | 8.7284% | 1,241 |
| Net charge-offs to loans | 0.0985% | 5,001 |
| Credit loss provision to net charge-offs | 341.4634% | 825 |
| Earnings coverage of net charge-offs (x) | 24.7051% | 1,071 |
| Efficiency ratio | 62.9345% | 5,249 |
| Assets per employee ($millions) | 4.3791% | 3,115 |
| Cash dividends to net income (ytd only)* | 19.0617% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4807% | 1,424 |
| Loan loss allowance to noncurrent loans | 104.5960% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7378% | 3,492 |
| Noncurrent loans to loans | 2.3717% | 2,928 |
| Net loans and leases to total assets | 63.3326% | 3,448 |
| Net loans and leases to deposits | 78.2628% | 2,927 |
| Net loans and leases to core deposits | 87.1002% | 2,617 |
| Total domestic deposits to total assets | 80.9230% | 5,460 |
| Equity capital to assets | 10.1334% | 4,175 |
| Core capital (leverage) ratio | 10.0906% | 3,320 |
| Tier 1 risk-based capital ratio | 12.3643% | 5,611 |
| Total risk-based capital ratio | 13.6243% | 5,590 |
| Memoranda: | ||
| Average total assets | $85,642,000 | 5,336 |
| Average earning assets | $78,833,500 | 5,304 |
| Average equity | $8,432,000 | 5,458 |
| Average total loans | $55,510,250 | 5,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3791% | 1,626 |
| Cost of funding earning assets | 1.2369% | 2,345 |
| Net interest margin | 4.1422% | 2,258 |
| Noninterest income to average assets | 0.3624% | 4,979 |
| Noninterest expense to average assets | 2.6825% | 4,892 |
| Loan and lease loss provision to assets | 0.2824% | 3,121 |
| Net operating income to assets | 0.9695% | 2,358 |
| Return on assets (ROA) | 0.9695% | 2,458 |
| Pretax return on assets | 1.2589% | 2,272 |
| Return on Equity (ROE) | 9.9465% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.3773% | 1,310 |
| Net charge-offs to loans | 0.0036% | 5,835 |
| Credit loss provision to net charge-offs | 12,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 655.0000% | 43 |
| Efficiency ratio | 63.5097% | 5,333 |
| Assets per employee ($millions) | 4.1976% | 3,352 |
| Cash dividends to net income (ytd only)* | 15.7767% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5658% | 1,347 |
| Loan loss allowance to noncurrent loans | 102.1413% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 2.3526% | 2,800 |
| Noncurrent loans to loans | 2.5120% | 2,875 |
| Net loans and leases to total assets | 64.7294% | 3,314 |
| Net loans and leases to deposits | 81.2393% | 2,569 |
| Net loans and leases to core deposits | 89.8332% | 2,394 |
| Total domestic deposits to total assets | 79.6774% | 5,904 |
| Equity capital to assets | 10.2453% | 3,822 |
| Core capital (leverage) ratio | 10.0819% | 3,164 |
| Tier 1 risk-based capital ratio | 11.7945% | 5,941 |
| Total risk-based capital ratio | 13.0563% | 5,922 |
| Memoranda: | ||
| Average total assets | $84,995,330 | 5,395 |
| Average earning assets | $79,232,330 | 5,338 |
| Average equity | $8,284,330 | 5,526 |
| Average total loans | $55,054,000 | 5,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 1,684 |
| Cost of funding earning assets | 1.2415% | 2,560 |
| Net interest margin | 4.1249% | 2,171 |
| Noninterest income to average assets | 0.2994% | 5,524 |
| Noninterest expense to average assets | 2.7503% | 4,643 |
| Loan and lease loss provision to assets | 0.2806% | 2,911 |
| Net operating income to assets | 1.0244% | 2,092 |
| Return on assets (ROA) | 1.0244% | 2,141 |
| Pretax return on assets | 1.1226% | 2,670 |
| Return on Equity (ROE) | 10.7802% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.7802% | 940 |
| Net charge-offs to loans | 0.0073% | 5,010 |
| Credit loss provision to net charge-offs | 6,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 98 |
| Efficiency ratio | 66.2162% | 4,998 |
| Assets per employee ($millions) | 4.0984% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5802% | 1,342 |
| Loan loss allowance to noncurrent loans | 90.6147% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 2,658 |
| Noncurrent loans to loans | 2.8474% | 2,648 |
| Net loans and leases to total assets | 63.1527% | 3,614 |
| Net loans and leases to deposits | 78.4294% | 2,990 |
| Net loans and leases to core deposits | 84.4398% | 3,109 |
| Total domestic deposits to total assets | 80.5217% | 5,810 |
| Equity capital to assets | 10.1271% | 3,619 |
| Core capital (leverage) ratio | 9.7457% | 3,454 |
| Tier 1 risk-based capital ratio | 12.0355% | 5,660 |
| Total risk-based capital ratio | 13.2948% | 5,642 |
| Memoranda: | ||
| Average total assets | $85,517,500 | 5,425 |
| Average earning assets | $79,904,000 | 5,363 |
| Average equity | $8,126,000 | 5,570 |
| Average total loans | $54,695,000 | 5,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 1,780 |
| Cost of funding earning assets | 1.5440% | 2,382 |
| Net interest margin | 4.0930% | 2,595 |
| Noninterest income to average assets | 0.5632% | 3,716 |
| Noninterest expense to average assets | 2.7419% | 4,809 |
| Loan and lease loss provision to assets | 0.5884% | 2,781 |
| Net operating income to assets | 0.6660% | 3,364 |
| Return on assets (ROA) | 0.6969% | 3,371 |
| Pretax return on assets | 1.0533% | 2,758 |
| Return on Equity (ROE) | 7.6863% | 2,819 |
| Retained earnings to average equity (ytd only) | 4.5614% | 2,682 |
| Net charge-offs to loans | 0.5099% | 3,578 |
| Credit loss provision to net charge-offs | 174.5763% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.7322% | 2,825 |
| Efficiency ratio | 63.2244% | 5,477 |
| Assets per employee ($millions) | 4.4534% | 2,950 |
| Cash dividends to net income (ytd only)* | 40.6557% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 1,644 |
| Loan loss allowance to noncurrent loans | 81.7445% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 2.4577% | 2,817 |
| Noncurrent loans to loans | 2.8531% | 2,669 |
| Net loans and leases to total assets | 61.6861% | 4,352 |
| Net loans and leases to deposits | 76.4953% | 3,765 |
| Net loans and leases to core deposits | 83.0404% | 3,739 |
| Total domestic deposits to total assets | 80.6404% | 5,644 |
| Equity capital to assets | 8.9270% | 5,245 |
| Core capital (leverage) ratio | 9.0540% | 4,445 |
| Tier 1 risk-based capital ratio | 11.1691% | 6,201 |
| Total risk-based capital ratio | 12.4270% | 6,174 |
| Memoranda: | ||
| Average total assets | $87,531,600 | 5,359 |
| Average earning assets | $80,698,200 | 5,319 |
| Average equity | $7,936,200 | 5,735 |
| Average total loans | $57,859,200 | 5,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 2,010 |
| Cost of funding earning assets | 1.6062% | 2,355 |
| Net interest margin | 4.0089% | 3,058 |
| Noninterest income to average assets | 0.5615% | 3,704 |
| Noninterest expense to average assets | 2.7432% | 4,710 |
| Loan and lease loss provision to assets | 0.3136% | 4,072 |
| Net operating income to assets | 0.8870% | 2,661 |
| Return on assets (ROA) | 0.9317% | 2,619 |
| Pretax return on assets | 1.2454% | 2,352 |
| Return on Equity (ROE) | 10.2361% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.2107% | 1,748 |
| Net charge-offs to loans | 0.3364% | 3,966 |
| Credit loss provision to net charge-offs | 139.4558% | 2,859 |
| Earnings coverage of net charge-offs (x) | 6.6665% | 2,477 |
| Efficiency ratio | 64.6592% | 5,116 |
| Assets per employee ($millions) | 4.2425% | 3,369 |
| Cash dividends to net income (ytd only)* | 29.5561% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,276 |
| Loan loss allowance to noncurrent loans | 76.6667% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4561% | 2,910 |
| Noncurrent loans to loans | 2.5842% | 3,044 |
| Net loans and leases to total assets | 67.0544% | 3,447 |
| Net loans and leases to deposits | 84.9433% | 2,530 |
| Net loans and leases to core deposits | 99.3105% | 1,913 |
| Total domestic deposits to total assets | 78.9402% | 6,036 |
| Equity capital to assets | 9.7173% | 4,520 |
| Core capital (leverage) ratio | 9.5451% | 3,841 |
| Tier 1 risk-based capital ratio | 11.1872% | 6,206 |
| Total risk-based capital ratio | 12.4421% | 6,197 |
| Memoranda: | ||
| Average total assets | $87,147,750 | 5,440 |
| Average earning assets | $80,019,000 | 5,408 |
| Average equity | $7,932,500 | 5,812 |
| Average total loans | $58,260,500 | 5,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 2,342 |
| Cost of funding earning assets | 1.6626% | 2,322 |
| Net interest margin | 3.8844% | 3,516 |
| Noninterest income to average assets | 0.6165% | 3,214 |
| Noninterest expense to average assets | 2.8232% | 4,381 |
| Loan and lease loss provision to assets | 0.2844% | 4,118 |
| Net operating income to assets | 0.7770% | 3,081 |
| Return on assets (ROA) | 0.8417% | 2,925 |
| Pretax return on assets | 1.1534% | 2,576 |
| Return on Equity (ROE) | 9.4528% | 2,292 |
| Retained earnings to average equity (ytd only) | 6.1316% | 2,263 |
| Net charge-offs to loans | 0.2537% | 4,080 |
| Credit loss provision to net charge-offs | 168.9189% | 2,320 |
| Earnings coverage of net charge-offs (x) | 8.0135% | 2,205 |
| Efficiency ratio | 67.6663% | 4,641 |
| Assets per employee ($millions) | 4.2582% | 3,286 |
| Cash dividends to net income (ytd only)* | 35.1351% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 2,320 |
| Loan loss allowance to noncurrent loans | 58.6455% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8287% | 2,551 |
| Noncurrent loans to loans | 3.3110% | 2,419 |
| Net loans and leases to total assets | 67.7775% | 3,431 |
| Net loans and leases to deposits | 85.3762% | 2,616 |
| Net loans and leases to core deposits | 100.0572% | 2,010 |
| Total domestic deposits to total assets | 79.3868% | 5,921 |
| Equity capital to assets | 9.4101% | 4,851 |
| Core capital (leverage) ratio | 9.2640% | 4,186 |
| Tier 1 risk-based capital ratio | 10.9040% | 6,338 |
| Total risk-based capital ratio | 12.1581% | 6,323 |
| Memoranda: | ||
| Average total assets | $87,914,000 | 5,453 |
| Average earning assets | $80,475,670 | 5,419 |
| Average equity | $7,828,330 | 5,863 |
| Average total loans | $58,332,330 | 5,257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 3,332 |
| Cost of funding earning assets | 1.7138% | 2,319 |
| Net interest margin | 3.6288% | 4,585 |
| Noninterest income to average assets | 0.5689% | 3,497 |
| Noninterest expense to average assets | 2.8761% | 4,160 |
| Loan and lease loss provision to assets | 0.2688% | 3,875 |
| Net operating income to assets | 0.4301% | 4,711 |
| Return on assets (ROA) | 0.4301% | 4,846 |
| Pretax return on assets | 0.7347% | 4,110 |
| Return on Equity (ROE) | 4.9641% | 4,384 |
| Retained earnings to average equity (ytd only) | 1.6030% | 5,145 |
| Net charge-offs to loans | -0.2962% | 7,740 |
| Credit loss provision to net charge-offs | -139.5349% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1339% | 3,558 |
| Assets per employee ($millions) | 4.2266% | 3,414 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 1,976 |
| Loan loss allowance to noncurrent loans | 84.0957% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.3423% | 3,102 |
| Noncurrent loans to loans | 2.4871% | 3,184 |
| Net loans and leases to total assets | 66.1769% | 3,810 |
| Net loans and leases to deposits | 83.3867% | 3,046 |
| Net loans and leases to core deposits | 96.0475% | 2,588 |
| Total domestic deposits to total assets | 79.3614% | 5,996 |
| Equity capital to assets | 9.1505% | 5,063 |
| Core capital (leverage) ratio | 8.9989% | 4,574 |
| Tier 1 risk-based capital ratio | 10.8843% | 6,262 |
| Total risk-based capital ratio | 12.1406% | 6,233 |
| Memoranda: | ||
| Average total assets | $89,289,000 | 5,475 |
| Average earning assets | $81,458,500 | 5,459 |
| Average equity | $7,735,500 | 5,932 |
| Average total loans | $58,066,000 | 5,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3344% | 959 |
| Cost of funding earning assets | 1.9988% | 2,971 |
| Net interest margin | 4.3355% | 1,615 |
| Noninterest income to average assets | 0.5238% | 4,223 |
| Noninterest expense to average assets | 3.0367% | 4,004 |
| Loan and lease loss provision to assets | 0.5202% | 3,771 |
| Net operating income to assets | 0.5679% | 3,453 |
| Return on assets (ROA) | 0.6056% | 3,378 |
| Pretax return on assets | 1.0114% | 2,551 |
| Return on Equity (ROE) | 6.6033% | 2,951 |
| Retained earnings to average equity (ytd only) | 4.3059% | 2,210 |
| Net charge-offs to loans | 0.4333% | 4,067 |
| Credit loss provision to net charge-offs | 165.5172% | 2,633 |
| Earnings coverage of net charge-offs (x) | 4.6858% | 2,851 |
| Efficiency ratio | 67.3431% | 5,124 |
| Assets per employee ($millions) | 4.4784% | 2,966 |
| Cash dividends to net income (ytd only)* | 34.7913% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,406 |
| Loan loss allowance to noncurrent loans | 87.2902% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 3,826 |
| Noncurrent loans to loans | 2.1204% | 3,492 |
| Net loans and leases to total assets | 61.5703% | 5,091 |
| Net loans and leases to deposits | 77.4607% | 4,479 |
| Net loans and leases to core deposits | 117.1573% | 2,217 |
| Total domestic deposits to total assets | 79.4858% | 5,849 |
| Equity capital to assets | 8.2257% | 6,310 |
| Core capital (leverage) ratio | 8.9763% | 4,465 |
| Tier 1 risk-based capital ratio | 10.3929% | 6,503 |
| Total risk-based capital ratio | 11.6520% | 6,465 |
| Memoranda: | ||
| Average total assets | $83,051,600 | 5,629 |
| Average earning assets | $76,345,600 | 5,591 |
| Average equity | $7,617,400 | 6,045 |
| Average total loans | $60,234,600 | 5,245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5728% | 649 |
| Cost of funding earning assets | 2.1115% | 2,842 |
| Net interest margin | 4.4613% | 1,286 |
| Noninterest income to average assets | 0.5097% | 4,407 |
| Noninterest expense to average assets | 3.1065% | 3,629 |
| Loan and lease loss provision to assets | 0.3105% | 4,488 |
| Net operating income to assets | 0.7521% | 3,014 |
| Return on assets (ROA) | 0.7521% | 3,075 |
| Pretax return on assets | 1.2253% | 2,180 |
| Return on Equity (ROE) | 7.9599% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.6757% | 2,114 |
| Net charge-offs to loans | 0.3722% | 3,790 |
| Credit loss provision to net charge-offs | 110.6509% | 4,596 |
| Earnings coverage of net charge-offs (x) | 5.4733% | 2,811 |
| Efficiency ratio | 66.9170% | 5,205 |
| Assets per employee ($millions) | 3.8835% | 3,982 |
| Cash dividends to net income (ytd only)* | 28.6980% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,284 |
| Loan loss allowance to noncurrent loans | 89.1738% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 3,374 |
| Noncurrent loans to loans | 1.7150% | 4,066 |
| Net loans and leases to total assets | 74.1371% | 2,485 |
| Net loans and leases to deposits | 98.5268% | 1,261 |
| Net loans and leases to core deposits | 120.9172% | 2,163 |
| Total domestic deposits to total assets | 75.2455% | 6,731 |
| Equity capital to assets | 9.5484% | 4,680 |
| Core capital (leverage) ratio | 9.4749% | 3,945 |
| Tier 1 risk-based capital ratio | 10.6347% | 6,310 |
| Total risk-based capital ratio | 11.8849% | 6,293 |
| Memoranda: | ||
| Average total assets | $80,302,750 | 5,754 |
| Average earning assets | $74,385,500 | 5,702 |
| Average equity | $7,587,750 | 6,119 |
| Average total loans | $60,544,000 | 5,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5399% | 753 |
| Cost of funding earning assets | 2.1135% | 3,207 |
| Net interest margin | 4.4265% | 1,349 |
| Noninterest income to average assets | 0.4381% | 4,955 |
| Noninterest expense to average assets | 2.9868% | 4,138 |
| Loan and lease loss provision to assets | 0.3555% | 3,792 |
| Net operating income to assets | 0.7360% | 3,108 |
| Return on assets (ROA) | 0.7360% | 3,211 |
| Pretax return on assets | 1.2067% | 2,285 |
| Return on Equity (ROE) | 7.8178% | 2,847 |
| Retained earnings to average equity (ytd only) | 5.5575% | 2,222 |
| Net charge-offs to loans | 0.1128% | 5,033 |
| Credit loss provision to net charge-offs | 417.6471% | 1,106 |
| Earnings coverage of net charge-offs (x) | 18.3529% | 1,416 |
| Efficiency ratio | 65.6577% | 5,604 |
| Assets per employee ($millions) | 3.8378% | 4,005 |
| Cash dividends to net income (ytd only)* | 28.9116% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,477 |
| Loan loss allowance to noncurrent loans | 67.7866% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 2,822 |
| Noncurrent loans to loans | 2.4538% | 2,945 |
| Net loans and leases to total assets | 75.4833% | 2,320 |
| Net loans and leases to deposits | 99.3760% | 1,347 |
| Net loans and leases to core deposits | 121.6335% | 2,233 |
| Total domestic deposits to total assets | 75.9573% | 6,558 |
| Equity capital to assets | 9.4399% | 4,689 |
| Core capital (leverage) ratio | 9.5072% | 3,872 |
| Tier 1 risk-based capital ratio | 10.6240% | 6,260 |
| Total risk-based capital ratio | 11.8769% | 6,189 |
| Memoranda: | ||
| Average total assets | $79,886,000 | 5,805 |
| Average earning assets | $74,190,330 | 5,739 |
| Average equity | $7,521,330 | 6,174 |
| Average total loans | $60,258,670 | 5,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4465% | 962 |
| Cost of funding earning assets | 2.1651% | 3,343 |
| Net interest margin | 4.2814% | 1,646 |
| Noninterest income to average assets | 0.5583% | 3,854 |
| Noninterest expense to average assets | 3.0931% | 3,400 |
| Loan and lease loss provision to assets | 0.4879% | 2,526 |
| Net operating income to assets | 0.9204% | 2,615 |
| Return on assets (ROA) | 0.9204% | 2,758 |
| Pretax return on assets | 0.9556% | 3,515 |
| Return on Equity (ROE) | 9.7887% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.8468% | 2,265 |
| Net charge-offs to loans | 0.4104% | 2,461 |
| Credit loss provision to net charge-offs | 159.0164% | 2,660 |
| Earnings coverage of net charge-offs (x) | 4.7049% | 2,832 |
| Efficiency ratio | 68.1818% | 4,930 |
| Assets per employee ($millions) | 3.6957% | 4,350 |
| Cash dividends to net income (ytd only)* | 30.0546% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 2,390 |
| Loan loss allowance to noncurrent loans | 56.9982% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.3567% | 2,432 |
| Noncurrent loans to loans | 2.8642% | 2,283 |
| Net loans and leases to total assets | 74.2994% | 2,683 |
| Net loans and leases to deposits | 96.6106% | 1,853 |
| Net loans and leases to core deposits | 118.4313% | 2,556 |
| Total domestic deposits to total assets | 76.9060% | 6,300 |
| Equity capital to assets | 9.7244% | 4,349 |
| Core capital (leverage) ratio | 9.3902% | 4,118 |
| Tier 1 risk-based capital ratio | 11.2104% | 5,695 |
| Total risk-based capital ratio | 12.4591% | 5,606 |
| Memoranda: | ||
| Average total assets | $79,532,000 | 5,843 |
| Average earning assets | $73,900,500 | 5,774 |
| Average equity | $7,478,000 | 6,228 |
| Average total loans | $59,456,000 | 5,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8336% | 1,572 |
| Cost of funding earning assets | 2.6271% | 3,544 |
| Net interest margin | 4.2065% | 2,289 |
| Noninterest income to average assets | 0.7022% | 3,112 |
| Noninterest expense to average assets | 3.0705% | 3,820 |
| Loan and lease loss provision to assets | 0.4471% | 3,055 |
| Net operating income to assets | 0.6816% | 3,976 |
| Return on assets (ROA) | 0.6816% | 3,814 |
| Pretax return on assets | 1.0489% | 3,215 |
| Return on Equity (ROE) | 7.3910% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.5747% | 1,727 |
| Net charge-offs to loans | 0.3977% | 2,826 |
| Credit loss provision to net charge-offs | 149.5690% | 3,526 |
| Earnings coverage of net charge-offs (x) | 5.0043% | 3,787 |
| Efficiency ratio | 67.2404% | 4,865 |
| Assets per employee ($millions) | 3.8788% | 3,786 |
| Cash dividends to net income (ytd only)* | 24.5747% | 4,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 2,556 |
| Loan loss allowance to noncurrent loans | 61.0338% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.0981% | 2,342 |
| Noncurrent loans to loans | 2.5028% | 2,176 |
| Net loans and leases to total assets | 72.8881% | 3,388 |
| Net loans and leases to deposits | 94.6257% | 2,672 |
| Net loans and leases to core deposits | 116.3065% | 3,092 |
| Total domestic deposits to total assets | 77.0278% | 5,979 |
| Equity capital to assets | 9.0958% | 5,234 |
| Core capital (leverage) ratio | 9.1025% | 4,592 |
| Tier 1 risk-based capital ratio | 10.7772% | 5,934 |
| Total risk-based capital ratio | 12.0329% | 5,835 |
| Memoranda: | ||
| Average total assets | $77,608,800 | 5,785 |
| Average earning assets | $71,294,400 | 5,770 |
| Average equity | $7,157,400 | 6,402 |
| Average total loans | $58,340,200 | 5,350 |