Home > First National Bank and Trust > Performance and Condition Ratios
First National Bank and Trust, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 1,473 |
| Cost of funding earning assets | 0.6214% | 1,796 |
| Net interest margin | 3.9915% | 1,802 |
| Noninterest income to average assets | 0.8197% | 1,674 |
| Noninterest expense to average assets | 3.9003% | 860 |
| Loan and lease loss provision to assets | -1.3061% | 6,713 |
| Net operating income to assets | 1.6394% | 629 |
| Return on assets (ROA) | 1.6394% | 656 |
| Pretax return on assets | 1.6394% | 1,087 |
| Return on Equity (ROE) | 16.5756% | 579 |
| Retained earnings to average equity (ytd only) | 16.5756% | 239 |
| Net charge-offs to loans | -0.0138% | 5,174 |
| Credit loss provision to net charge-offs | 14,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1277% | 874 |
| Assets per employee ($millions) | 2.7253% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,072 |
| Loan loss allowance to noncurrent loans | 37.4849% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.9769% | 1,737 |
| Noncurrent loans to loans | 2.9660% | 1,081 |
| Net loans and leases to total assets | 63.2350% | 3,028 |
| Net loans and leases to deposits | 72.6446% | 3,255 |
| Net loans and leases to core deposits | 74.5015% | 3,590 |
| Total domestic deposits to total assets | 87.0471% | 2,779 |
| Equity capital to assets | 10.3591% | 3,386 |
| Core capital (leverage) ratio | 10.3980% | 3,048 |
| Tier 1 risk-based capital ratio | 15.7149% | 3,322 |
| Total risk-based capital ratio | 16.7865% | 3,385 |
| Memoranda: | ||
| Average total assets | $44,406,500 | 6,105 |
| Average earning assets | $37,980,500 | 6,174 |
| Average equity | $4,392,000 | 6,162 |
| Average total loans | $28,906,500 | 5,753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,028 |
| Cost of funding earning assets | 0.8828% | 807 |
| Net interest margin | 4.0524% | 1,798 |
| Noninterest income to average assets | 0.5851% | 3,180 |
| Noninterest expense to average assets | 3.3244% | 2,073 |
| Loan and lease loss provision to assets | 0.0433% | 4,257 |
| Net operating income to assets | 0.6891% | 3,843 |
| Return on assets (ROA) | 0.6913% | 3,932 |
| Pretax return on assets | 0.6913% | 4,575 |
| Return on Equity (ROE) | 7.4366% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.8980% | 2,041 |
| Net charge-offs to loans | 0.0263% | 4,895 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 902 |
| Efficiency ratio | 81.9444% | 1,884 |
| Assets per employee ($millions) | 2.8256% | 6,071 |
| Cash dividends to net income (ytd only)* | 20.6897% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,111 |
| Loan loss allowance to noncurrent loans | 123.3696% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 3,663 |
| Noncurrent loans to loans | 1.2295% | 3,088 |
| Net loans and leases to total assets | 65.1994% | 2,825 |
| Net loans and leases to deposits | 74.1385% | 3,238 |
| Net loans and leases to core deposits | 75.9456% | 3,615 |
| Total domestic deposits to total assets | 87.9427% | 2,207 |
| Equity capital to assets | 9.4384% | 4,508 |
| Core capital (leverage) ratio | 9.8523% | 3,770 |
| Tier 1 risk-based capital ratio | 13.9594% | 4,321 |
| Total risk-based capital ratio | 15.2104% | 4,259 |
| Memoranda: | ||
| Average total assets | $46,144,200 | 6,115 |
| Average earning assets | $39,532,400 | 6,181 |
| Average equity | $4,289,600 | 6,266 |
| Average total loans | $30,417,400 | 5,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,041 |
| Cost of funding earning assets | 0.9324% | 697 |
| Net interest margin | 4.0102% | 1,907 |
| Noninterest income to average assets | 0.8251% | 2,035 |
| Noninterest expense to average assets | 3.4958% | 1,621 |
| Loan and lease loss provision to assets | 0.0575% | 3,900 |
| Net operating income to assets | 0.7216% | 3,746 |
| Return on assets (ROA) | 0.7245% | 3,855 |
| Pretax return on assets | 0.7245% | 4,590 |
| Return on Equity (ROE) | 7.8224% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.0154% | 1,866 |
| Net charge-offs to loans | -0.0262% | 6,131 |
| Credit loss provision to net charge-offs | -333.3333% | 5,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7754% | 1,854 |
| Assets per employee ($millions) | 2.6372% | 6,345 |
| Cash dividends to net income (ytd only)* | 10.3188% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,367 |
| Loan loss allowance to noncurrent loans | 109.3458% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 3,582 |
| Noncurrent loans to loans | 1.3914% | 3,087 |
| Net loans and leases to total assets | 67.5663% | 2,356 |
| Net loans and leases to deposits | 76.8657% | 2,835 |
| Net loans and leases to core deposits | 78.7562% | 3,259 |
| Total domestic deposits to total assets | 87.9018% | 2,194 |
| Equity capital to assets | 9.5911% | 4,430 |
| Core capital (leverage) ratio | 9.5709% | 4,293 |
| Tier 1 risk-based capital ratio | 13.5967% | 4,692 |
| Total risk-based capital ratio | 14.8479% | 4,651 |
| Memoranda: | ||
| Average total assets | $46,378,000 | 6,179 |
| Average earning assets | $39,897,250 | 6,239 |
| Average equity | $4,295,250 | 6,336 |
| Average total loans | $30,539,250 | 5,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 1,146 |
| Cost of funding earning assets | 0.9628% | 665 |
| Net interest margin | 3.9155% | 2,168 |
| Noninterest income to average assets | 0.9085% | 1,790 |
| Noninterest expense to average assets | 3.4973% | 1,614 |
| Loan and lease loss provision to assets | 0.0853% | 3,376 |
| Net operating income to assets | 0.7080% | 3,766 |
| Return on assets (ROA) | 0.7123% | 3,920 |
| Pretax return on assets | 0.7123% | 4,644 |
| Return on Equity (ROE) | 7.7789% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.7789% | 1,574 |
| Net charge-offs to loans | -0.0328% | 6,124 |
| Credit loss provision to net charge-offs | -400.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5109% | 1,964 |
| Assets per employee ($millions) | 2.8873% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,558 |
| Loan loss allowance to noncurrent loans | 106.8650% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 3,133 |
| Noncurrent loans to loans | 1.4098% | 3,182 |
| Net loans and leases to total assets | 66.0880% | 2,574 |
| Net loans and leases to deposits | 75.7005% | 2,922 |
| Net loans and leases to core deposits | 77.5188% | 3,357 |
| Total domestic deposits to total assets | 87.3019% | 2,659 |
| Equity capital to assets | 9.1393% | 5,057 |
| Core capital (leverage) ratio | 9.2240% | 4,661 |
| Tier 1 risk-based capital ratio | 13.1096% | 5,062 |
| Total risk-based capital ratio | 14.3632% | 5,001 |
| Memoranda: | ||
| Average total assets | $46,893,000 | 6,211 |
| Average earning assets | $40,505,670 | 6,266 |
| Average equity | $4,293,670 | 6,385 |
| Average total loans | $30,465,670 | 5,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,524 |
| Cost of funding earning assets | 0.9918% | 641 |
| Net interest margin | 3.7117% | 2,806 |
| Noninterest income to average assets | 0.9568% | 1,587 |
| Noninterest expense to average assets | 3.5731% | 1,467 |
| Loan and lease loss provision to assets | 0.0847% | 3,244 |
| Net operating income to assets | 0.4996% | 4,668 |
| Return on assets (ROA) | 0.4996% | 4,820 |
| Pretax return on assets | 0.4996% | 5,259 |
| Return on Equity (ROE) | 5.4510% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,976 |
| Net charge-offs to loans | -0.0397% | 6,026 |
| Credit loss provision to net charge-offs | -333.3333% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9470% | 1,526 |
| Assets per employee ($millions) | 3.0719% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,750 |
| Loan loss allowance to noncurrent loans | 98.0603% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 3,193 |
| Noncurrent loans to loans | 1.5467% | 3,232 |
| Net loans and leases to total assets | 64.1160% | 2,680 |
| Net loans and leases to deposits | 71.8011% | 3,206 |
| Net loans and leases to core deposits | 74.3152% | 3,537 |
| Total domestic deposits to total assets | 89.2966% | 1,490 |
| Equity capital to assets | 9.4078% | 4,988 |
| Core capital (leverage) ratio | 8.8428% | 5,130 |
| Tier 1 risk-based capital ratio | 13.2284% | 5,055 |
| Total risk-based capital ratio | 14.4815% | 5,006 |
| Memoranda: | ||
| Average total assets | $47,241,500 | 6,260 |
| Average earning assets | $40,736,000 | 6,318 |
| Average equity | $4,329,500 | 6,439 |
| Average total loans | $30,200,000 | 5,882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 2,079 |
| Cost of funding earning assets | 1.0797% | 985 |
| Net interest margin | 3.7545% | 3,421 |
| Noninterest income to average assets | 0.5378% | 3,659 |
| Noninterest expense to average assets | 3.2039% | 2,596 |
| Loan and lease loss provision to assets | 0.0207% | 5,643 |
| Net operating income to assets | 0.5068% | 4,658 |
| Return on assets (ROA) | 0.5068% | 4,922 |
| Pretax return on assets | 0.5068% | 5,260 |
| Return on Equity (ROE) | 5.9233% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.9233% | 2,125 |
| Net charge-offs to loans | 0.2199% | 3,629 |
| Credit loss provision to net charge-offs | 15.6250% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.9844% | 3,526 |
| Efficiency ratio | 85.8647% | 1,442 |
| Assets per employee ($millions) | 3.0253% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 3,928 |
| Loan loss allowance to noncurrent loans | 91.1340% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 3,480 |
| Noncurrent loans to loans | 1.5953% | 3,232 |
| Net loans and leases to total assets | 61.8936% | 3,265 |
| Net loans and leases to deposits | 69.0506% | 3,830 |
| Net loans and leases to core deposits | 72.5400% | 3,972 |
| Total domestic deposits to total assets | 89.6352% | 1,168 |
| Equity capital to assets | 8.9331% | 5,599 |
| Core capital (leverage) ratio | 8.7034% | 5,327 |
| Tier 1 risk-based capital ratio | 12.6801% | 5,338 |
| Total risk-based capital ratio | 13.9327% | 5,281 |
| Memoranda: | ||
| Average total assets | $48,346,800 | 6,257 |
| Average earning assets | $41,123,800 | 6,326 |
| Average equity | $4,136,200 | 6,538 |
| Average total loans | $29,106,200 | 5,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 2,354 |
| Cost of funding earning assets | 1.0928% | 1,090 |
| Net interest margin | 3.7181% | 3,713 |
| Noninterest income to average assets | 0.6152% | 3,186 |
| Noninterest expense to average assets | 3.4427% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3448% | 5,452 |
| Return on assets (ROA) | 0.3448% | 5,657 |
| Pretax return on assets | 0.3448% | 5,858 |
| Return on Equity (ROE) | 4.0756% | 5,258 |
| Retained earnings to average equity (ytd only) | 4.0756% | 4,026 |
| Net charge-offs to loans | 0.1899% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.0485% | 3,813 |
| Efficiency ratio | 90.8958% | 973 |
| Assets per employee ($millions) | 2.9680% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,979 |
| Loan loss allowance to noncurrent loans | 98.6985% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 3,745 |
| Noncurrent loans to loans | 1.5134% | 3,517 |
| Net loans and leases to total assets | 63.1886% | 3,174 |
| Net loans and leases to deposits | 71.2028% | 3,720 |
| Net loans and leases to core deposits | 75.6625% | 3,771 |
| Total domestic deposits to total assets | 88.7445% | 1,570 |
| Equity capital to assets | 8.8654% | 5,960 |
| Core capital (leverage) ratio | 8.3295% | 5,965 |
| Tier 1 risk-based capital ratio | 12.5895% | 5,575 |
| Total risk-based capital ratio | 13.8418% | 5,533 |
| Memoranda: | ||
| Average total assets | $48,332,500 | 6,331 |
| Average earning assets | $41,238,500 | 6,398 |
| Average equity | $4,089,250 | 6,622 |
| Average total loans | $28,782,500 | 6,074 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 2,361 |
| Cost of funding earning assets | 1.1134% | 1,159 |
| Net interest margin | 3.7209% | 3,721 |
| Noninterest income to average assets | 0.7405% | 2,465 |
| Noninterest expense to average assets | 3.4805% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3949% | 5,227 |
| Return on assets (ROA) | 0.3949% | 5,470 |
| Pretax return on assets | 0.3949% | 5,723 |
| Return on Equity (ROE) | 4.7419% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.7419% | 3,449 |
| Net charge-offs to loans | 0.0567% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,917 |
| Efficiency ratio | 89.8089% | 1,084 |
| Assets per employee ($millions) | 3.3326% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 3,181 |
| Loan loss allowance to noncurrent loans | 105.1724% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 4,035 |
| Noncurrent loans to loans | 1.6270% | 3,468 |
| Net loans and leases to total assets | 56.0743% | 4,456 |
| Net loans and leases to deposits | 62.9387% | 4,884 |
| Net loans and leases to core deposits | 66.6564% | 4,930 |
| Total domestic deposits to total assets | 89.0936% | 1,454 |
| Equity capital to assets | 8.2838% | 6,390 |
| Core capital (leverage) ratio | 8.2733% | 5,959 |
| Tier 1 risk-based capital ratio | 12.9039% | 5,254 |
| Total risk-based capital ratio | 14.1578% | 5,227 |
| Memoranda: | ||
| Average total assets | $48,614,000 | 6,363 |
| Average earning assets | $40,957,330 | 6,448 |
| Average equity | $4,049,000 | 6,664 |
| Average total loans | $28,222,670 | 6,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 2,888 |
| Cost of funding earning assets | 1.1193% | 1,303 |
| Net interest margin | 3.6208% | 4,175 |
| Noninterest income to average assets | 0.3589% | 5,003 |
| Noninterest expense to average assets | 3.6639% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2003% | 6,639 |
| Return on assets (ROA) | -0.2003% | 6,688 |
| Pretax return on assets | -0.2003% | 6,664 |
| Return on Equity (ROE) | -2.3982% | 6,715 |
| Retained earnings to average equity (ytd only) | -2.3982% | 6,326 |
| Net charge-offs to loans | 0.1425% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.4000% | 4,626 |
| Efficiency ratio | 105.7831% | 411 |
| Assets per employee ($millions) | 3.2689% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,238 |
| Loan loss allowance to noncurrent loans | 86.3233% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 3,749 |
| Noncurrent loans to loans | 2.0017% | 3,162 |
| Net loans and leases to total assets | 56.3702% | 4,317 |
| Net loans and leases to deposits | 63.3262% | 4,726 |
| Net loans and leases to core deposits | 67.1477% | 4,783 |
| Total domestic deposits to total assets | 89.0156% | 1,690 |
| Equity capital to assets | 8.1537% | 6,408 |
| Core capital (leverage) ratio | 7.9796% | 6,275 |
| Tier 1 risk-based capital ratio | 13.0404% | 5,188 |
| Total risk-based capital ratio | 14.2969% | 5,145 |
| Memoranda: | ||
| Average total assets | $47,926,500 | 6,435 |
| Average earning assets | $41,096,000 | 6,488 |
| Average equity | $4,003,000 | 6,712 |
| Average total loans | $28,074,500 | 6,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 2,482 |
| Cost of funding earning assets | 1.2191% | 1,904 |
| Net interest margin | 3.8731% | 3,455 |
| Noninterest income to average assets | 0.6662% | 2,801 |
| Noninterest expense to average assets | 3.7729% | 1,398 |
| Loan and lease loss provision to assets | 0.1754% | 4,439 |
| Net operating income to assets | 0.0178% | 6,004 |
| Return on assets (ROA) | 0.0178% | 6,126 |
| Pretax return on assets | 0.0266% | 6,076 |
| Return on Equity (ROE) | 0.2013% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.2013% | 5,744 |
| Net charge-offs to loans | 0.5051% | 2,973 |
| Credit loss provision to net charge-offs | 58.5185% | 5,207 |
| Earnings coverage of net charge-offs (x) | 0.6741% | 5,312 |
| Efficiency ratio | 94.9162% | 869 |
| Assets per employee ($millions) | 2.7541% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 2,965 |
| Loan loss allowance to noncurrent loans | 87.6325% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 3,152 |
| Noncurrent loans to loans | 2.0198% | 3,179 |
| Net loans and leases to total assets | 58.7933% | 4,228 |
| Net loans and leases to deposits | 66.5659% | 4,657 |
| Net loans and leases to core deposits | 70.8199% | 4,668 |
| Total domestic deposits to total assets | 88.3234% | 1,955 |
| Equity capital to assets | 8.5604% | 6,062 |
| Core capital (leverage) ratio | 8.4133% | 5,696 |
| Tier 1 risk-based capital ratio | 12.8580% | 5,190 |
| Total risk-based capital ratio | 14.1118% | 5,162 |
| Memoranda: | ||
| Average total assets | $45,031,800 | 6,506 |
| Average earning assets | $38,470,200 | 6,584 |
| Average equity | $3,974,000 | 6,756 |
| Average total loans | $26,727,200 | 6,316 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 2,257 |
| Cost of funding earning assets | 1.2280% | 2,137 |
| Net interest margin | 3.9589% | 3,110 |
| Noninterest income to average assets | 0.7985% | 2,060 |
| Noninterest expense to average assets | 3.8398% | 1,249 |
| Loan and lease loss provision to assets | 0.2213% | 3,801 |
| Net operating income to assets | 0.1286% | 5,895 |
| Return on assets (ROA) | 0.1286% | 6,012 |
| Pretax return on assets | 0.1405% | 6,025 |
| Return on Equity (ROE) | 1.4457% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.4457% | 5,422 |
| Net charge-offs to loans | 0.3686% | 3,248 |
| Credit loss provision to net charge-offs | 101.3699% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.6576% | 4,407 |
| Efficiency ratio | 91.3879% | 1,081 |
| Assets per employee ($millions) | 2.6981% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0965% | 2,071 |
| Loan loss allowance to noncurrent loans | 95.3528% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 2,340 |
| Noncurrent loans to loans | 2.1987% | 3,112 |
| Net loans and leases to total assets | 56.4044% | 4,777 |
| Net loans and leases to deposits | 64.1960% | 5,143 |
| Net loans and leases to core deposits | 68.4002% | 5,134 |
| Total domestic deposits to total assets | 87.8627% | 2,120 |
| Equity capital to assets | 8.9367% | 5,824 |
| Core capital (leverage) ratio | 8.7526% | 5,334 |
| Tier 1 risk-based capital ratio | 13.6091% | 4,642 |
| Total risk-based capital ratio | 14.8691% | 4,604 |
| Memoranda: | ||
| Average total assets | $44,584,750 | 6,574 |
| Average earning assets | $38,326,250 | 6,646 |
| Average equity | $3,965,500 | 6,811 |
| Average total loans | $26,403,250 | 6,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 1,897 |
| Cost of funding earning assets | 1.2406% | 2,318 |
| Net interest margin | 4.0583% | 2,582 |
| Noninterest income to average assets | 0.8832% | 1,703 |
| Noninterest expense to average assets | 4.1035% | 912 |
| Loan and lease loss provision to assets | 0.2083% | 3,842 |
| Net operating income to assets | 0.0498% | 6,119 |
| Return on assets (ROA) | 0.0498% | 6,203 |
| Pretax return on assets | 0.0679% | 6,154 |
| Return on Equity (ROE) | 0.5611% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.5611% | 5,628 |
| Net charge-offs to loans | 0.4622% | 2,732 |
| Credit loss provision to net charge-offs | 75.4098% | 3,904 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 93.6918% | 1,000 |
| Assets per employee ($millions) | 2.7424% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 2,357 |
| Loan loss allowance to noncurrent loans | 92.9066% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 3.2636% | 2,050 |
| Noncurrent loans to loans | 2.1600% | 3,270 |
| Net loans and leases to total assets | 59.7612% | 4,317 |
| Net loans and leases to deposits | 68.4076% | 4,646 |
| Net loans and leases to core deposits | 72.1475% | 4,797 |
| Total domestic deposits to total assets | 87.3604% | 2,542 |
| Equity capital to assets | 9.1868% | 5,299 |
| Core capital (leverage) ratio | 8.5243% | 5,515 |
| Tier 1 risk-based capital ratio | 13.4012% | 4,611 |
| Total risk-based capital ratio | 14.6589% | 4,591 |
| Memoranda: | ||
| Average total assets | $44,157,330 | 6,642 |
| Average earning assets | $38,045,670 | 6,717 |
| Average equity | $3,921,000 | 6,867 |
| Average total loans | $26,396,000 | 6,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 1,971 |
| Cost of funding earning assets | 1.2318% | 2,617 |
| Net interest margin | 4.0400% | 2,516 |
| Noninterest income to average assets | 1.0746% | 1,136 |
| Noninterest expense to average assets | 4.1448% | 874 |
| Loan and lease loss provision to assets | 0.1806% | 3,808 |
| Net operating income to assets | 0.2077% | 5,763 |
| Return on assets (ROA) | 0.2077% | 5,825 |
| Pretax return on assets | 0.2438% | 5,829 |
| Return on Equity (ROE) | 2.3797% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.3797% | 4,722 |
| Net charge-offs to loans | 0.1526% | 3,573 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,411 |
| Efficiency ratio | 90.7115% | 1,265 |
| Assets per employee ($millions) | 2.5870% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,979 |
| Loan loss allowance to noncurrent loans | 51.4181% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 3.8587% | 1,733 |
| Noncurrent loans to loans | 4.2639% | 1,672 |
| Net loans and leases to total assets | 57.0090% | 4,797 |
| Net loans and leases to deposits | 65.5889% | 5,032 |
| Net loans and leases to core deposits | 68.4205% | 5,241 |
| Total domestic deposits to total assets | 86.9188% | 2,985 |
| Equity capital to assets | 8.7860% | 5,518 |
| Core capital (leverage) ratio | 8.6688% | 5,141 |
| Tier 1 risk-based capital ratio | 14.1127% | 3,996 |
| Total risk-based capital ratio | 15.3712% | 3,965 |
| Memoranda: | ||
| Average total assets | $44,297,000 | 6,684 |
| Average earning assets | $38,317,000 | 6,750 |
| Average equity | $3,866,000 | 6,917 |
| Average total loans | $26,214,500 | 6,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 3,439 |
| Cost of funding earning assets | 1.3659% | 3,481 |
| Net interest margin | 3.8682% | 3,649 |
| Noninterest income to average assets | 0.9352% | 1,725 |
| Noninterest expense to average assets | 4.1264% | 994 |
| Loan and lease loss provision to assets | 0.2782% | 4,583 |
| Net operating income to assets | -0.3022% | 6,220 |
| Return on assets (ROA) | -0.1577% | 6,116 |
| Pretax return on assets | -0.1489% | 6,045 |
| Return on Equity (ROE) | -1.7951% | 6,150 |
| Retained earnings to average equity (ytd only) | -1.7951% | 5,937 |
| Net charge-offs to loans | 1.3606% | 1,642 |
| Credit loss provision to net charge-offs | 34.5109% | 6,455 |
| Earnings coverage of net charge-offs (x) | -0.0190% | 6,147 |
| Efficiency ratio | 100.3729% | 763 |
| Assets per employee ($millions) | 2.6244% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 2,154 |
| Loan loss allowance to noncurrent loans | 49.2857% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 4.8885% | 1,322 |
| Noncurrent loans to loans | 4.1799% | 1,732 |
| Net loans and leases to total assets | 58.8210% | 4,889 |
| Net loans and leases to deposits | 67.6715% | 5,147 |
| Net loans and leases to core deposits | 68.3714% | 5,623 |
| Total domestic deposits to total assets | 86.9214% | 2,872 |
| Equity capital to assets | 8.6697% | 5,625 |
| Core capital (leverage) ratio | 8.1363% | 5,935 |
| Tier 1 risk-based capital ratio | 13.3294% | 4,348 |
| Total risk-based capital ratio | 14.5874% | 4,306 |
| Memoranda: | ||
| Average total assets | $45,657,600 | 6,676 |
| Average earning assets | $37,485,400 | 6,819 |
| Average equity | $4,011,000 | 6,998 |
| Average total loans | $27,046,000 | 6,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 3,720 |
| Cost of funding earning assets | 1.3756% | 3,736 |
| Net interest margin | 3.8474% | 3,762 |
| Noninterest income to average assets | 0.6214% | 3,306 |
| Noninterest expense to average assets | 3.7254% | 1,518 |
| Loan and lease loss provision to assets | 0.1829% | 5,215 |
| Net operating income to assets | -0.1800% | 6,296 |
| Return on assets (ROA) | -0.0987% | 6,271 |
| Pretax return on assets | -0.0871% | 6,208 |
| Return on Equity (ROE) | -1.1202% | 6,292 |
| Retained earnings to average equity (ytd only) | -1.1202% | 6,032 |
| Net charge-offs to loans | 0.7968% | 2,454 |
| Credit loss provision to net charge-offs | 38.8889% | 6,031 |
| Earnings coverage of net charge-offs (x) | 0.0309% | 5,999 |
| Efficiency ratio | 99.6118% | 753 |
| Assets per employee ($millions) | 2.6990% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6141% | 1,187 |
| Loan loss allowance to noncurrent loans | 47.5995% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 6.0928% | 971 |
| Noncurrent loans to loans | 5.4919% | 1,205 |
| Net loans and leases to total assets | 53.2172% | 5,954 |
| Net loans and leases to deposits | 60.6560% | 6,256 |
| Net loans and leases to core deposits | 61.2262% | 6,523 |
| Total domestic deposits to total assets | 87.7362% | 2,139 |
| Equity capital to assets | 8.3364% | 6,467 |
| Core capital (leverage) ratio | 8.3691% | 5,758 |
| Tier 1 risk-based capital ratio | 13.3992% | 4,271 |
| Total risk-based capital ratio | 14.6617% | 4,225 |
| Memoranda: | ||
| Average total assets | $45,918,250 | 6,742 |
| Average earning assets | $37,219,000 | 6,909 |
| Average equity | $4,046,750 | 7,071 |
| Average total loans | $27,108,750 | 6,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 2,923 |
| Cost of funding earning assets | 1.4289% | 3,677 |
| Net interest margin | 3.9840% | 3,095 |
| Noninterest income to average assets | 0.8528% | 1,872 |
| Noninterest expense to average assets | 3.8641% | 1,240 |
| Loan and lease loss provision to assets | 0.0888% | 6,036 |
| Net operating income to assets | 0.0524% | 5,983 |
| Return on assets (ROA) | 0.1643% | 5,797 |
| Pretax return on assets | 0.1821% | 5,811 |
| Return on Equity (ROE) | 1.8291% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.8291% | 4,954 |
| Net charge-offs to loans | 1.1504% | 1,653 |
| Credit loss provision to net charge-offs | 12.7389% | 5,914 |
| Earnings coverage of net charge-offs (x) | 0.2102% | 5,514 |
| Efficiency ratio | 96.3455% | 950 |
| Assets per employee ($millions) | 2.7279% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 1,291 |
| Loan loss allowance to noncurrent loans | 34.7090% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 6.0379% | 969 |
| Noncurrent loans to loans | 7.2237% | 757 |
| Net loans and leases to total assets | 55.0050% | 5,842 |
| Net loans and leases to deposits | 63.3786% | 6,100 |
| Net loans and leases to core deposits | 64.0100% | 6,399 |
| Total domestic deposits to total assets | 86.7879% | 2,655 |
| Equity capital to assets | 8.8261% | 5,717 |
| Core capital (leverage) ratio | 8.7767% | 4,959 |
| Tier 1 risk-based capital ratio | 14.1775% | 3,615 |
| Total risk-based capital ratio | 15.4393% | 3,569 |
| Memoranda: | ||
| Average total assets | $45,030,330 | 6,827 |
| Average earning assets | $35,693,000 | 7,016 |
| Average equity | $4,045,670 | 7,107 |
| Average total loans | $27,295,670 | 6,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 1,892 |
| Cost of funding earning assets | 1.5004% | 3,553 |
| Net interest margin | 4.1678% | 2,162 |
| Noninterest income to average assets | 1.0100% | 1,270 |
| Noninterest expense to average assets | 3.8865% | 1,192 |
| Loan and lease loss provision to assets | 0.1353% | 5,209 |
| Net operating income to assets | 0.1443% | 5,879 |
| Return on assets (ROA) | 0.3968% | 4,997 |
| Pretax return on assets | 0.3968% | 5,300 |
| Return on Equity (ROE) | 4.3759% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.3759% | 3,525 |
| Net charge-offs to loans | 0.8183% | 1,898 |
| Credit loss provision to net charge-offs | 26.3158% | 4,868 |
| Earnings coverage of net charge-offs (x) | 0.5439% | 4,550 |
| Efficiency ratio | 93.2900% | 1,181 |
| Assets per employee ($millions) | 3.0513% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8538% | 934 |
| Loan loss allowance to noncurrent loans | 24.6310% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 7.5903% | 664 |
| Noncurrent loans to loans | 11.5861% | 317 |
| Net loans and leases to total assets | 55.8566% | 5,764 |
| Net loans and leases to deposits | 64.3630% | 6,022 |
| Net loans and leases to core deposits | 65.0128% | 6,374 |
| Total domestic deposits to total assets | 86.7836% | 2,742 |
| Equity capital to assets | 8.8400% | 5,482 |
| Core capital (leverage) ratio | 9.0197% | 4,528 |
| Tier 1 risk-based capital ratio | 14.5847% | 3,329 |
| Total risk-based capital ratio | 15.8515% | 3,281 |
| Memoranda: | ||
| Average total assets | $44,358,500 | 6,938 |
| Average earning assets | $33,591,000 | 7,179 |
| Average equity | $4,022,000 | 7,179 |
| Average total loans | $27,861,500 | 6,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 2,086 |
| Cost of funding earning assets | 2.1401% | 2,277 |
| Net interest margin | 3.8005% | 3,706 |
| Noninterest income to average assets | 0.9347% | 1,810 |
| Noninterest expense to average assets | 4.4905% | 804 |
| Loan and lease loss provision to assets | 1.3263% | 1,732 |
| Net operating income to assets | -1.6968% | 6,956 |
| Return on assets (ROA) | -1.5347% | 6,884 |
| Pretax return on assets | -1.5347% | 6,727 |
| Return on Equity (ROE) | -16.5991% | 7,013 |
| Retained earnings to average equity (ytd only) | -16.5991% | 6,966 |
| Net charge-offs to loans | 1.1332% | 2,160 |
| Credit loss provision to net charge-offs | 168.9008% | 2,534 |
| Earnings coverage of net charge-offs (x) | -0.4718% | 6,672 |
| Efficiency ratio | 108.9934% | 819 |
| Assets per employee ($millions) | 2.2604% | 7,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6966% | 1,016 |
| Loan loss allowance to noncurrent loans | 25.0474% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 8.5429% | 489 |
| Noncurrent loans to loans | 10.7661% | 355 |
| Net loans and leases to total assets | 66.6248% | 4,010 |
| Net loans and leases to deposits | 77.5847% | 4,454 |
| Net loans and leases to core deposits | 107.2288% | 3,187 |
| Total domestic deposits to total assets | 85.8736% | 3,071 |
| Equity capital to assets | 9.3089% | 4,688 |
| Core capital (leverage) ratio | 8.8417% | 4,698 |
| Tier 1 risk-based capital ratio | 13.2671% | 3,977 |
| Total risk-based capital ratio | 14.5337% | 3,900 |
| Memoranda: | ||
| Average total assets | $47,500,000 | 6,810 |
| Average earning assets | $39,810,600 | 6,948 |
| Average equity | $4,391,800 | 7,144 |
| Average total loans | $32,916,600 | 6,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 2,468 |
| Cost of funding earning assets | 2.2668% | 2,123 |
| Net interest margin | 3.6294% | 4,374 |
| Noninterest income to average assets | 0.7182% | 2,896 |
| Noninterest expense to average assets | 4.1613% | 1,073 |
| Loan and lease loss provision to assets | 1.0691% | 1,816 |
| Net operating income to assets | -1.4529% | 7,086 |
| Return on assets (ROA) | -1.2418% | 6,990 |
| Pretax return on assets | -1.2418% | 6,833 |
| Return on Equity (ROE) | -13.4509% | 7,104 |
| Retained earnings to average equity (ytd only) | -13.4509% | 7,040 |
| Net charge-offs to loans | 0.7851% | 2,400 |
| Credit loss provision to net charge-offs | 195.9799% | 2,297 |
| Earnings coverage of net charge-offs (x) | -0.7035% | 6,564 |
| Efficiency ratio | 110.1597% | 769 |
| Assets per employee ($millions) | 2.3672% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3642% | 1,215 |
| Loan loss allowance to noncurrent loans | 25.5446% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 7.9198% | 547 |
| Noncurrent loans to loans | 9.2550% | 464 |
| Net loans and leases to total assets | 66.7556% | 4,244 |
| Net loans and leases to deposits | 79.7916% | 4,419 |
| Net loans and leases to core deposits | 108.8733% | 3,358 |
| Total domestic deposits to total assets | 83.6624% | 3,877 |
| Equity capital to assets | 9.5495% | 4,678 |
| Core capital (leverage) ratio | 9.2053% | 4,327 |
| Tier 1 risk-based capital ratio | 13.4663% | 3,876 |
| Total risk-based capital ratio | 14.7281% | 3,803 |
| Memoranda: | ||
| Average total assets | $48,638,000 | 6,816 |
| Average earning assets | $40,997,000 | 6,958 |
| Average equity | $4,490,250 | 7,182 |
| Average total loans | $33,794,000 | 6,457 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8972% | 2,594 |
| Cost of funding earning assets | 2.4863% | 1,663 |
| Net interest margin | 3.4109% | 5,121 |
| Noninterest income to average assets | 0.9346% | 1,821 |
| Noninterest expense to average assets | 4.2600% | 1,001 |
| Loan and lease loss provision to assets | 1.1633% | 1,480 |
| Net operating income to assets | -1.6326% | 7,302 |
| Return on assets (ROA) | -1.3237% | 7,178 |
| Pretax return on assets | -1.3237% | 7,002 |
| Return on Equity (ROE) | -14.4885% | 7,311 |
| Retained earnings to average equity (ytd only) | -14.4885% | 7,213 |
| Net charge-offs to loans | 0.1609% | 4,593 |
| Credit loss provision to net charge-offs | 1,035.7143% | 473 |
| Earnings coverage of net charge-offs (x) | -4.1786% | 6,440 |
| Efficiency ratio | 112.3810% | 786 |
| Assets per employee ($millions) | 2.4147% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4134% | 978 |
| Loan loss allowance to noncurrent loans | 26.9777% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 7.5682% | 523 |
| Noncurrent loans to loans | 8.9457% | 445 |
| Net loans and leases to total assets | 66.8158% | 4,395 |
| Net loans and leases to deposits | 79.0824% | 4,690 |
| Net loans and leases to core deposits | 111.4227% | 3,210 |
| Total domestic deposits to total assets | 84.4888% | 3,508 |
| Equity capital to assets | 9.0674% | 5,219 |
| Core capital (leverage) ratio | 9.0432% | 4,563 |
| Tier 1 risk-based capital ratio | 12.9128% | 4,206 |
| Total risk-based capital ratio | 14.1775% | 4,114 |
| Memoranda: | ||
| Average total assets | $49,858,670 | 6,832 |
| Average earning assets | $41,748,330 | 6,980 |
| Average equity | $4,555,330 | 7,225 |
| Average total loans | $34,808,330 | 6,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7120% | 3,743 |
| Cost of funding earning assets | 2.7686% | 1,064 |
| Net interest margin | 2.9434% | 6,633 |
| Noninterest income to average assets | 1.0426% | 1,370 |
| Noninterest expense to average assets | 4.1389% | 1,012 |
| Loan and lease loss provision to assets | 1.9747% | 608 |
| Net operating income to assets | -2.5434% | 7,775 |
| Return on assets (ROA) | -2.2353% | 7,716 |
| Pretax return on assets | -2.2353% | 7,603 |
| Return on Equity (ROE) | -24.3782% | 7,832 |
| Retained earnings to average equity (ytd only) | -24.3782% | 7,756 |
| Net charge-offs to loans | -0.4036% | 8,094 |
| Credit loss provision to net charge-offs | -694.4444% | 6,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9292% | 691 |
| Assets per employee ($millions) | 2.4638% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3950% | 857 |
| Loan loss allowance to noncurrent loans | 22.1982% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 8.8266% | 292 |
| Noncurrent loans to loans | 10.7893% | 239 |
| Net loans and leases to total assets | 71.5592% | 3,334 |
| Net loans and leases to deposits | 84.3676% | 3,917 |
| Net loans and leases to core deposits | 119.9778% | 2,414 |
| Total domestic deposits to total assets | 84.8183% | 3,293 |
| Equity capital to assets | 9.6255% | 4,487 |
| Core capital (leverage) ratio | 8.5868% | 5,364 |
| Tier 1 risk-based capital ratio | 12.8957% | 4,255 |
| Total risk-based capital ratio | 14.1602% | 4,169 |
| Memoranda: | ||
| Average total assets | $50,641,000 | 6,837 |
| Average earning assets | $43,487,500 | 6,958 |
| Average equity | $4,643,500 | 7,240 |
| Average total loans | $35,679,500 | 6,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6532% | 2,232 |
| Cost of funding earning assets | 3.2629% | 1,014 |
| Net interest margin | 3.3903% | 5,695 |
| Noninterest income to average assets | 0.6411% | 3,546 |
| Noninterest expense to average assets | 3.5198% | 2,343 |
| Loan and lease loss provision to assets | 0.9901% | 1,488 |
| Net operating income to assets | -0.8881% | 7,178 |
| Return on assets (ROA) | -0.8761% | 7,090 |
| Pretax return on assets | -0.8674% | 6,921 |
| Return on Equity (ROE) | -10.0663% | 7,287 |
| Retained earnings to average equity (ytd only) | -10.0663% | 7,077 |
| Net charge-offs to loans | 1.8800% | 584 |
| Credit loss provision to net charge-offs | 71.3574% | 6,056 |
| Earnings coverage of net charge-offs (x) | 0.0797% | 6,201 |
| Efficiency ratio | 96.9538% | 1,099 |
| Assets per employee ($millions) | 2.8668% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 2,939 |
| Loan loss allowance to noncurrent loans | 31.0006% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 4.4613% | 851 |
| Noncurrent loans to loans | 4.6682% | 1,005 |
| Net loans and leases to total assets | 67.0143% | 4,634 |
| Net loans and leases to deposits | 84.8016% | 4,291 |
| Net loans and leases to core deposits | 118.5091% | 2,834 |
| Total domestic deposits to total assets | 79.0248% | 5,370 |
| Equity capital to assets | 8.7775% | 5,693 |
| Core capital (leverage) ratio | 8.6994% | 5,198 |
| Tier 1 risk-based capital ratio | 12.2841% | 4,597 |
| Total risk-based capital ratio | 13.5367% | 4,480 |
| Memoranda: | ||
| Average total assets | $57,873,200 | 6,457 |
| Average earning assets | $51,028,200 | 6,555 |
| Average equity | $5,036,600 | 7,133 |
| Average total loans | $42,713,800 | 6,037 |