Home > First National Bank in Munday > Performance and Condition Ratios
First National Bank in Munday, 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 | 3.5836% | 6,509 |
| Cost of funding earning assets | 0.2224% | 6,988 |
| Net interest margin | 3.3612% | 5,228 |
| Noninterest income to average assets | 0.8803% | 1,861 |
| Noninterest expense to average assets | 2.8574% | 3,788 |
| Loan and lease loss provision to assets | 0.0126% | 5,510 |
| Net operating income to assets | 0.7480% | 3,620 |
| Return on assets (ROA) | 0.7480% | 3,893 |
| Pretax return on assets | 1.1219% | 3,224 |
| Return on Equity (ROE) | 8.8192% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.8192% | 1,337 |
| Net charge-offs to loans | 0.0568% | 4,619 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 955 |
| Efficiency ratio | 71.5789% | 3,502 |
| Assets per employee ($millions) | 3.4812% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,498 |
| Loan loss allowance to noncurrent loans | 128.2427% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 5,532 |
| Noncurrent loans to loans | 0.9091% | 4,681 |
| Net loans and leases to total assets | 53.3137% | 4,913 |
| Net loans and leases to deposits | 58.4221% | 5,403 |
| Net loans and leases to core deposits | 61.3861% | 5,449 |
| Total domestic deposits to total assets | 91.2561% | 367 |
| Equity capital to assets | 8.5254% | 6,184 |
| Core capital (leverage) ratio | 8.7938% | 5,225 |
| Tier 1 risk-based capital ratio | 15.1721% | 3,652 |
| Total risk-based capital ratio | 16.2960% | 3,699 |
| Memoranda: | ||
| Average total assets | $95,191,670 | 5,030 |
| Average earning assets | $88,124,000 | 4,988 |
| Average equity | $8,073,330 | 5,543 |
| Average total loans | $52,813,670 | 5,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 6,589 |
| Cost of funding earning assets | 0.2370% | 7,038 |
| Net interest margin | 3.3503% | 5,301 |
| Noninterest income to average assets | 0.8804% | 1,831 |
| Noninterest expense to average assets | 2.9346% | 3,491 |
| Loan and lease loss provision to assets | 0.0255% | 5,029 |
| Net operating income to assets | 0.6975% | 3,893 |
| Return on assets (ROA) | 0.6975% | 4,111 |
| Pretax return on assets | 1.0462% | 3,513 |
| Return on Equity (ROE) | 8.2464% | 3,172 |
| Retained earnings to average equity (ytd only) | 8.2464% | 1,883 |
| Net charge-offs to loans | 0.0529% | 3,971 |
| Credit loss provision to net charge-offs | 85.7143% | 2,628 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 814 |
| Efficiency ratio | 73.2484% | 3,212 |
| Assets per employee ($millions) | 3.0052% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,837 |
| Loan loss allowance to noncurrent loans | 172.5000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 5,906 |
| Noncurrent loans to loans | 0.6487% | 5,345 |
| Net loans and leases to total assets | 58.9066% | 3,878 |
| Net loans and leases to deposits | 64.7375% | 4,522 |
| Net loans and leases to core deposits | 67.9772% | 4,675 |
| Total domestic deposits to total assets | 90.9930% | 560 |
| Equity capital to assets | 8.7150% | 5,856 |
| Core capital (leverage) ratio | 8.4070% | 5,731 |
| Tier 1 risk-based capital ratio | 14.1469% | 4,359 |
| Total risk-based capital ratio | 15.2338% | 4,443 |
| Memoranda: | ||
| Average total assets | $94,050,500 | 5,101 |
| Average earning assets | $87,753,000 | 5,032 |
| Average equity | $7,955,000 | 5,612 |
| Average total loans | $52,930,500 | 5,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 6,791 |
| Cost of funding earning assets | 0.4082% | 6,866 |
| Net interest margin | 3.3360% | 5,706 |
| Noninterest income to average assets | 1.0429% | 1,242 |
| Noninterest expense to average assets | 3.1195% | 3,133 |
| Loan and lease loss provision to assets | 0.0092% | 6,422 |
| Net operating income to assets | 0.6796% | 3,579 |
| Return on assets (ROA) | 0.6796% | 3,776 |
| Pretax return on assets | 1.0061% | 3,224 |
| Return on Equity (ROE) | 7.5964% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.5964% | 1,228 |
| Net charge-offs to loans | 0.1151% | 5,226 |
| Credit loss provision to net charge-offs | 13.7931% | 5,983 |
| Earnings coverage of net charge-offs (x) | 15.2241% | 1,409 |
| Efficiency ratio | 75.4449% | 2,985 |
| Assets per employee ($millions) | 3.1647% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,243 |
| Loan loss allowance to noncurrent loans | 167.2043% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 5,992 |
| Noncurrent loans to loans | 0.7387% | 5,223 |
| Net loans and leases to total assets | 52.3910% | 5,250 |
| Net loans and leases to deposits | 57.2329% | 5,776 |
| Net loans and leases to core deposits | 60.2559% | 5,828 |
| Total domestic deposits to total assets | 91.5399% | 324 |
| Equity capital to assets | 8.2062% | 6,432 |
| Core capital (leverage) ratio | 8.6279% | 5,346 |
| Tier 1 risk-based capital ratio | 15.2921% | 3,457 |
| Total risk-based capital ratio | 16.4932% | 3,446 |
| Memoranda: | ||
| Average total assets | $86,968,800 | 5,262 |
| Average earning assets | $80,606,200 | 5,212 |
| Average equity | $7,780,000 | 5,635 |
| Average total loans | $50,370,600 | 5,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 6,784 |
| Cost of funding earning assets | 0.4302% | 6,940 |
| Net interest margin | 3.4245% | 5,491 |
| Noninterest income to average assets | 1.0685% | 1,177 |
| Noninterest expense to average assets | 3.1804% | 2,880 |
| Loan and lease loss provision to assets | 0.0094% | 6,315 |
| Net operating income to assets | 0.7092% | 3,566 |
| Return on assets (ROA) | 0.7092% | 3,731 |
| Pretax return on assets | 1.0512% | 3,202 |
| Return on Equity (ROE) | 7.7489% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.7489% | 1,606 |
| Net charge-offs to loans | 0.1271% | 4,773 |
| Credit loss provision to net charge-offs | 12.5000% | 5,644 |
| Earnings coverage of net charge-offs (x) | 14.0830% | 1,558 |
| Efficiency ratio | 74.9908% | 3,006 |
| Assets per employee ($millions) | 2.9626% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 5,010 |
| Loan loss allowance to noncurrent loans | 172.6027% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,054 |
| Noncurrent loans to loans | 0.7536% | 5,367 |
| Net loans and leases to total assets | 53.7895% | 5,193 |
| Net loans and leases to deposits | 59.4141% | 5,706 |
| Net loans and leases to core deposits | 63.0184% | 5,714 |
| Total domestic deposits to total assets | 90.5331% | 624 |
| Equity capital to assets | 8.9775% | 5,779 |
| Core capital (leverage) ratio | 9.2146% | 4,605 |
| Tier 1 risk-based capital ratio | 15.7868% | 3,228 |
| Total risk-based capital ratio | 17.0365% | 3,188 |
| Memoranda: | ||
| Average total assets | $84,976,000 | 5,354 |
| Average earning assets | $78,725,750 | 5,308 |
| Average equity | $7,777,250 | 5,666 |
| Average total loans | $50,372,750 | 5,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 6,722 |
| Cost of funding earning assets | 0.4477% | 7,015 |
| Net interest margin | 3.5114% | 5,106 |
| Noninterest income to average assets | 1.0469% | 1,201 |
| Noninterest expense to average assets | 3.1790% | 2,977 |
| Loan and lease loss provision to assets | 0.0096% | 6,143 |
| Net operating income to assets | 0.7481% | 3,303 |
| Return on assets (ROA) | 0.7481% | 3,426 |
| Pretax return on assets | 1.1019% | 2,842 |
| Return on Equity (ROE) | 8.1193% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.1193% | 1,418 |
| Net charge-offs to loans | 0.1333% | 4,409 |
| Credit loss provision to net charge-offs | 11.7647% | 5,229 |
| Earnings coverage of net charge-offs (x) | 13.6765% | 1,530 |
| Efficiency ratio | 74.0947% | 3,350 |
| Assets per employee ($millions) | 2.8440% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,627 |
| Loan loss allowance to noncurrent loans | 144.2697% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,870 |
| Noncurrent loans to loans | 0.9627% | 5,063 |
| Net loans and leases to total assets | 53.4218% | 5,370 |
| Net loans and leases to deposits | 59.2648% | 5,798 |
| Net loans and leases to core deposits | 62.6030% | 5,848 |
| Total domestic deposits to total assets | 90.1408% | 902 |
| Equity capital to assets | 9.2252% | 5,242 |
| Core capital (leverage) ratio | 9.1652% | 4,467 |
| Tier 1 risk-based capital ratio | 16.0797% | 2,941 |
| Total risk-based capital ratio | 17.3298% | 2,909 |
| Memoranda: | ||
| Average total assets | $83,675,330 | 5,434 |
| Average earning assets | $77,290,330 | 5,389 |
| Average equity | $7,710,000 | 5,702 |
| Average total loans | $51,018,000 | 5,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 6,529 |
| Cost of funding earning assets | 0.4609% | 7,086 |
| Net interest margin | 3.6244% | 4,459 |
| Noninterest income to average assets | 1.0332% | 1,230 |
| Noninterest expense to average assets | 3.1671% | 3,002 |
| Loan and lease loss provision to assets | 0.0097% | 5,780 |
| Net operating income to assets | 0.8111% | 2,973 |
| Return on assets (ROA) | 0.8111% | 3,039 |
| Pretax return on assets | 1.1973% | 2,381 |
| Return on Equity (ROE) | 8.8079% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.8079% | 1,447 |
| Net charge-offs to loans | 0.2471% | 3,102 |
| Credit loss provision to net charge-offs | 6.0606% | 4,421 |
| Earnings coverage of net charge-offs (x) | 7.5758% | 1,931 |
| Efficiency ratio | 72.4062% | 3,789 |
| Assets per employee ($millions) | 2.7945% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 5,310 |
| Loan loss allowance to noncurrent loans | 132.4380% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,817 |
| Noncurrent loans to loans | 0.9569% | 5,124 |
| Net loans and leases to total assets | 59.5658% | 4,348 |
| Net loans and leases to deposits | 65.9705% | 4,983 |
| Net loans and leases to core deposits | 69.6685% | 5,087 |
| Total domestic deposits to total assets | 90.2916% | 968 |
| Equity capital to assets | 9.1978% | 4,876 |
| Core capital (leverage) ratio | 8.9320% | 4,723 |
| Tier 1 risk-based capital ratio | 14.4035% | 3,804 |
| Total risk-based capital ratio | 15.6185% | 3,788 |
| Memoranda: | ||
| Average total assets | $82,852,500 | 5,500 |
| Average earning assets | $76,372,000 | 5,463 |
| Average equity | $7,629,500 | 5,732 |
| Average total loans | $53,416,000 | 5,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 6,511 |
| Cost of funding earning assets | 0.5628% | 7,200 |
| Net interest margin | 3.8919% | 3,532 |
| Noninterest income to average assets | 1.1696% | 1,081 |
| Noninterest expense to average assets | 3.5008% | 2,175 |
| Loan and lease loss provision to assets | 0.0066% | 7,009 |
| Net operating income to assets | 0.8134% | 2,740 |
| Return on assets (ROA) | 0.8134% | 2,873 |
| Pretax return on assets | 1.2156% | 2,172 |
| Return on Equity (ROE) | 8.6610% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.6610% | 796 |
| Net charge-offs to loans | 0.0475% | 6,326 |
| Credit loss provision to net charge-offs | 20.8333% | 6,551 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 601 |
| Efficiency ratio | 74.1235% | 3,374 |
| Assets per employee ($millions) | 2.8231% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,544 |
| Loan loss allowance to noncurrent loans | 154.1284% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,926 |
| Noncurrent loans to loans | 0.7751% | 5,495 |
| Net loans and leases to total assets | 67.8906% | 3,008 |
| Net loans and leases to deposits | 75.1911% | 3,984 |
| Net loans and leases to core deposits | 78.2867% | 4,424 |
| Total domestic deposits to total assets | 90.2907% | 941 |
| Equity capital to assets | 9.2195% | 4,807 |
| Core capital (leverage) ratio | 9.8463% | 3,269 |
| Tier 1 risk-based capital ratio | 13.0469% | 4,563 |
| Total risk-based capital ratio | 14.2268% | 4,587 |
| Memoranda: | ||
| Average total assets | $76,096,000 | 5,709 |
| Average earning assets | $69,477,800 | 5,690 |
| Average equity | $7,147,000 | 5,982 |
| Average total loans | $50,545,000 | 5,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 6,878 |
| Cost of funding earning assets | 0.5733% | 7,337 |
| Net interest margin | 3.7859% | 4,031 |
| Noninterest income to average assets | 1.1556% | 1,050 |
| Noninterest expense to average assets | 3.5667% | 1,861 |
| Loan and lease loss provision to assets | 0.0089% | 6,933 |
| Net operating income to assets | 0.6733% | 3,533 |
| Return on assets (ROA) | 0.6733% | 3,692 |
| Pretax return on assets | 1.0359% | 3,048 |
| Return on Equity (ROE) | 7.1331% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.1331% | 1,783 |
| Net charge-offs to loans | -0.0380% | 7,435 |
| Credit loss provision to net charge-offs | -35.7143% | 6,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3431% | 2,713 |
| Assets per employee ($millions) | 2.2181% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 4,301 |
| Loan loss allowance to noncurrent loans | 651.3761% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,913 |
| Noncurrent loans to loans | 0.2199% | 6,739 |
| Net loans and leases to total assets | 68.8204% | 3,027 |
| Net loans and leases to deposits | 76.9417% | 4,018 |
| Net loans and leases to core deposits | 80.4904% | 4,452 |
| Total domestic deposits to total assets | 89.4448% | 1,150 |
| Equity capital to assets | 10.1917% | 3,891 |
| Core capital (leverage) ratio | 9.6812% | 3,647 |
| Tier 1 risk-based capital ratio | 14.2766% | 3,649 |
| Total risk-based capital ratio | 15.5296% | 3,603 |
| Memoranda: | ||
| Average total assets | $74,652,500 | 5,817 |
| Average earning assets | $68,146,000 | 5,794 |
| Average equity | $7,046,750 | 6,094 |
| Average total loans | $49,117,750 | 5,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 7,031 |
| Cost of funding earning assets | 0.5668% | 7,453 |
| Net interest margin | 3.7451% | 4,161 |
| Noninterest income to average assets | 1.1229% | 1,036 |
| Noninterest expense to average assets | 3.5320% | 1,953 |
| Loan and lease loss provision to assets | 0.0105% | 6,802 |
| Net operating income to assets | 0.6563% | 3,602 |
| Return on assets (ROA) | 0.6563% | 3,755 |
| Pretax return on assets | 0.9937% | 3,142 |
| Return on Equity (ROE) | 7.1302% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.1302% | 1,777 |
| Net charge-offs to loans | -0.0572% | 7,466 |
| Credit loss provision to net charge-offs | -28.5714% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8617% | 2,751 |
| Assets per employee ($millions) | 2.4556% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,706 |
| Loan loss allowance to noncurrent loans | 541.2214% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 6,632 |
| Noncurrent loans to loans | 0.2846% | 6,663 |
| Net loans and leases to total assets | 59.5252% | 5,149 |
| Net loans and leases to deposits | 65.9463% | 5,810 |
| Net loans and leases to core deposits | 69.0053% | 5,973 |
| Total domestic deposits to total assets | 90.2633% | 787 |
| Equity capital to assets | 9.3387% | 4,949 |
| Core capital (leverage) ratio | 9.3906% | 3,973 |
| Tier 1 risk-based capital ratio | 15.1550% | 3,078 |
| Total risk-based capital ratio | 16.4084% | 3,029 |
| Memoranda: | ||
| Average total assets | $75,877,000 | 5,805 |
| Average earning assets | $69,156,330 | 5,799 |
| Average equity | $6,984,330 | 6,142 |
| Average total loans | $48,971,000 | 5,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 6,908 |
| Cost of funding earning assets | 0.5697% | 7,580 |
| Net interest margin | 3.8773% | 3,423 |
| Noninterest income to average assets | 1.0297% | 1,207 |
| Noninterest expense to average assets | 3.5008% | 1,981 |
| Loan and lease loss provision to assets | 0.0106% | 6,501 |
| Net operating income to assets | 0.6864% | 3,497 |
| Return on assets (ROA) | 0.6864% | 3,614 |
| Pretax return on assets | 1.0402% | 2,934 |
| Return on Equity (ROE) | 7.5123% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.5123% | 1,921 |
| Net charge-offs to loans | -0.0396% | 7,282 |
| Credit loss provision to net charge-offs | -40.0000% | 5,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9142% | 3,072 |
| Assets per employee ($millions) | 2.4315% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,609 |
| Loan loss allowance to noncurrent loans | 549.6063% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 5,867 |
| Noncurrent loans to loans | 0.2480% | 6,846 |
| Net loans and leases to total assets | 67.0134% | 3,630 |
| Net loans and leases to deposits | 74.3304% | 4,693 |
| Net loans and leases to core deposits | 78.1194% | 5,007 |
| Total domestic deposits to total assets | 90.1560% | 913 |
| Equity capital to assets | 9.2616% | 4,894 |
| Core capital (leverage) ratio | 8.9646% | 4,626 |
| Tier 1 risk-based capital ratio | 12.9643% | 4,357 |
| Total risk-based capital ratio | 14.2137% | 4,340 |
| Memoranda: | ||
| Average total assets | $75,753,500 | 5,885 |
| Average earning assets | $68,810,500 | 5,883 |
| Average equity | $6,922,000 | 6,213 |
| Average total loans | $50,445,500 | 5,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 7,669 |
| Cost of funding earning assets | 0.6664% | 7,725 |
| Net interest margin | 3.3864% | 5,421 |
| Noninterest income to average assets | 1.1749% | 1,113 |
| Noninterest expense to average assets | 3.6278% | 2,084 |
| Loan and lease loss provision to assets | 0.0080% | 7,391 |
| Net operating income to assets | 0.4012% | 4,125 |
| Return on assets (ROA) | 0.4603% | 4,009 |
| Pretax return on assets | 0.6958% | 3,590 |
| Return on Equity (ROE) | 5.2653% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.2653% | 1,692 |
| Net charge-offs to loans | -0.4231% | 7,939 |
| Credit loss provision to net charge-offs | -3.3149% | 7,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5205% | 2,170 |
| Assets per employee ($millions) | 2.4558% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,279 |
| Loan loss allowance to noncurrent loans | 363.6842% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 5,517 |
| Noncurrent loans to loans | 0.3824% | 6,512 |
| Net loans and leases to total assets | 64.3496% | 4,526 |
| Net loans and leases to deposits | 70.9702% | 5,474 |
| Net loans and leases to core deposits | 82.5776% | 5,863 |
| Total domestic deposits to total assets | 90.6713% | 671 |
| Equity capital to assets | 9.0147% | 5,125 |
| Core capital (leverage) ratio | 9.3596% | 3,887 |
| Tier 1 risk-based capital ratio | 13.3972% | 3,886 |
| Total risk-based capital ratio | 14.6443% | 3,829 |
| Memoranda: | ||
| Average total assets | $74,729,200 | 5,876 |
| Average earning assets | $67,681,600 | 5,881 |
| Average equity | $6,533,400 | 6,411 |
| Average total loans | $42,778,200 | 5,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 7,800 |
| Cost of funding earning assets | 0.6833% | 7,828 |
| Net interest margin | 3.3218% | 5,555 |
| Noninterest income to average assets | 1.1257% | 1,244 |
| Noninterest expense to average assets | 3.6282% | 1,969 |
| Loan and lease loss provision to assets | 0.0054% | 7,260 |
| Net operating income to assets | 0.3408% | 4,635 |
| Return on assets (ROA) | 0.4213% | 4,419 |
| Pretax return on assets | 0.6274% | 4,095 |
| Return on Equity (ROE) | 4.8571% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.8571% | 2,577 |
| Net charge-offs to loans | -0.5846% | 8,027 |
| Credit loss provision to net charge-offs | -1.6667% | 7,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6190% | 1,905 |
| Assets per employee ($millions) | 2.3137% | 7,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 2,883 |
| Loan loss allowance to noncurrent loans | 110.6280% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 4,294 |
| Noncurrent loans to loans | 1.4721% | 4,475 |
| Net loans and leases to total assets | 57.8579% | 5,909 |
| Net loans and leases to deposits | 64.0896% | 6,480 |
| Net loans and leases to core deposits | 76.3378% | 6,589 |
| Total domestic deposits to total assets | 90.2766% | 673 |
| Equity capital to assets | 9.1615% | 5,235 |
| Core capital (leverage) ratio | 9.2850% | 4,212 |
| Tier 1 risk-based capital ratio | 14.7611% | 3,154 |
| Total risk-based capital ratio | 16.0141% | 3,101 |
| Memoranda: | ||
| Average total assets | $74,378,750 | 5,925 |
| Average earning assets | $67,512,250 | 5,923 |
| Average equity | $6,451,000 | 6,504 |
| Average total loans | $41,052,500 | 6,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 7,891 |
| Cost of funding earning assets | 0.7184% | 7,903 |
| Net interest margin | 3.3192% | 5,479 |
| Noninterest income to average assets | 1.0789% | 1,370 |
| Noninterest expense to average assets | 3.6565% | 1,930 |
| Loan and lease loss provision to assets | 0.0027% | 7,143 |
| Net operating income to assets | 0.2873% | 4,957 |
| Return on assets (ROA) | 0.4066% | 4,594 |
| Pretax return on assets | 0.6059% | 4,307 |
| Return on Equity (ROE) | 4.7730% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.7730% | 2,653 |
| Net charge-offs to loans | -0.0246% | 7,735 |
| Credit loss provision to net charge-offs | -20.0000% | 6,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4668% | 1,862 |
| Assets per employee ($millions) | 2.3161% | 7,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,422 |
| Loan loss allowance to noncurrent loans | 96.5909% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 4,741 |
| Noncurrent loans to loans | 1.3208% | 4,572 |
| Net loans and leases to total assets | 53.2490% | 6,538 |
| Net loans and leases to deposits | 58.7948% | 6,975 |
| Net loans and leases to core deposits | 69.4164% | 7,053 |
| Total domestic deposits to total assets | 90.5675% | 605 |
| Equity capital to assets | 8.7323% | 5,708 |
| Core capital (leverage) ratio | 8.8046% | 4,936 |
| Tier 1 risk-based capital ratio | 14.4029% | 3,303 |
| Total risk-based capital ratio | 15.5127% | 3,307 |
| Memoranda: | ||
| Average total assets | $75,263,670 | 5,940 |
| Average earning assets | $68,208,670 | 5,946 |
| Average equity | $6,411,000 | 6,568 |
| Average total loans | $40,675,000 | 6,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 7,922 |
| Cost of funding earning assets | 0.7728% | 7,936 |
| Net interest margin | 3.3840% | 5,198 |
| Noninterest income to average assets | 0.9863% | 1,524 |
| Noninterest expense to average assets | 3.6974% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2268% | 5,572 |
| Return on assets (ROA) | 0.2268% | 5,731 |
| Pretax return on assets | 0.3376% | 5,566 |
| Return on Equity (ROE) | 2.6957% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.6957% | 4,387 |
| Net charge-offs to loans | -0.0390% | 7,632 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6340% | 1,600 |
| Assets per employee ($millions) | 2.3815% | 7,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,218 |
| Loan loss allowance to noncurrent loans | 43.1973% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 3,035 |
| Noncurrent loans to loans | 2.9582% | 2,211 |
| Net loans and leases to total assets | 51.4992% | 6,731 |
| Net loans and leases to deposits | 56.5953% | 7,122 |
| Net loans and leases to core deposits | 66.3645% | 7,225 |
| Total domestic deposits to total assets | 90.9956% | 414 |
| Equity capital to assets | 8.3956% | 6,241 |
| Core capital (leverage) ratio | 8.4325% | 5,656 |
| Tier 1 risk-based capital ratio | 13.7087% | 3,736 |
| Total risk-based capital ratio | 14.7785% | 3,770 |
| Memoranda: | ||
| Average total assets | $75,837,500 | 5,950 |
| Average earning assets | $68,321,000 | 5,972 |
| Average equity | $6,380,500 | 6,627 |
| Average total loans | $41,024,500 | 6,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 7,366 |
| Cost of funding earning assets | 1.4390% | 7,695 |
| Net interest margin | 4.0308% | 2,975 |
| Noninterest income to average assets | 1.1173% | 1,254 |
| Noninterest expense to average assets | 3.7745% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6249% | 4,207 |
| Return on assets (ROA) | 0.6249% | 4,057 |
| Pretax return on assets | 0.9373% | 3,594 |
| Return on Equity (ROE) | 6.6049% | 3,710 |
| Retained earnings to average equity (ytd only) | -3.5384% | 6,236 |
| Net charge-offs to loans | -0.0130% | 7,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1066% | 2,584 |
| Assets per employee ($millions) | 2.3584% | 7,469 |
| Cash dividends to net income (ytd only)* | 153.5714% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,604 |
| Loan loss allowance to noncurrent loans | 91.8033% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 4,083 |
| Noncurrent loans to loans | 1.2980% | 3,914 |
| Net loans and leases to total assets | 55.3758% | 6,508 |
| Net loans and leases to deposits | 60.9367% | 7,020 |
| Net loans and leases to core deposits | 70.1886% | 7,178 |
| Total domestic deposits to total assets | 90.8743% | 362 |
| Equity capital to assets | 8.4314% | 6,204 |
| Core capital (leverage) ratio | 9.0254% | 4,704 |
| Tier 1 risk-based capital ratio | 12.8889% | 4,167 |
| Total risk-based capital ratio | 13.8934% | 4,247 |
| Memoranda: | ||
| Average total assets | $71,692,400 | 5,978 |
| Average earning assets | $63,932,200 | 6,019 |
| Average equity | $6,782,800 | 6,534 |
| Average total loans | $38,359,800 | 6,252 |