Home > First National Bank in Pawhuska > Performance and Condition Ratios
First National Bank in Pawhuska, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5477% | 5,209 |
| Cost of funding earning assets | 0.4430% | 3,237 |
| Net interest margin | 3.1047% | 5,191 |
| Noninterest income to average assets | 1.2487% | 783 |
| Noninterest expense to average assets | 3.4601% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5890% | 4,431 |
| Return on assets (ROA) | 0.5890% | 4,506 |
| Pretax return on assets | 0.6193% | 4,876 |
| Return on Equity (ROE) | 5.3289% | 4,501 |
| Retained earnings to average equity (ytd only) | -0.7613% | 5,889 |
| Net charge-offs to loans | -0.4838% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8185% | 1,306 |
| Assets per employee ($millions) | 2.8739% | 5,858 |
| Cash dividends to net income (ytd only)* | 114.2857% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4093% | 30 |
| Loan loss allowance to noncurrent loans | 69.7642% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6758% | 836 |
| Noncurrent loans to loans | 9.1871% | 82 |
| Net loans and leases to total assets | 25.5576% | 6,285 |
| Net loans and leases to deposits | 29.1341% | 6,304 |
| Net loans and leases to core deposits | 31.4844% | 6,288 |
| Total domestic deposits to total assets | 87.7240% | 1,911 |
| Equity capital to assets | 11.6392% | 2,309 |
| Core capital (leverage) ratio | 10.7440% | 2,676 |
| Tier 1 risk-based capital ratio | 33.1046% | 396 |
| Total risk-based capital ratio | 34.4054% | 383 |
| Memoranda: | ||
| Average total assets | $29,710,400 | 6,254 |
| Average earning assets | $27,087,800 | 6,241 |
| Average equity | $3,284,000 | 6,217 |
| Average total loans | $8,474,800 | 6,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5425% | 5,290 |
| Cost of funding earning assets | 0.4404% | 3,364 |
| Net interest margin | 3.1021% | 5,252 |
| Noninterest income to average assets | 1.1662% | 886 |
| Noninterest expense to average assets | 3.4453% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5430% | 4,699 |
| Return on assets (ROA) | 0.5430% | 4,777 |
| Pretax return on assets | 0.5430% | 5,200 |
| Return on Equity (ROE) | 4.9762% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.8973% | 5,526 |
| Net charge-offs to loans | -0.4944% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3839% | 1,148 |
| Assets per employee ($millions) | 3.0830% | 5,627 |
| Cash dividends to net income (ytd only)* | 81.9685% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1422% | 46 |
| Loan loss allowance to noncurrent loans | 67.2554% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.5430% | 1,022 |
| Noncurrent loans to loans | 9.1326% | 95 |
| Net loans and leases to total assets | 24.5345% | 6,378 |
| Net loans and leases to deposits | 27.7578% | 6,396 |
| Net loans and leases to core deposits | 29.8124% | 6,389 |
| Total domestic deposits to total assets | 88.3879% | 1,560 |
| Equity capital to assets | 10.8206% | 3,156 |
| Core capital (leverage) ratio | 10.8849% | 2,592 |
| Tier 1 risk-based capital ratio | 30.5356% | 495 |
| Total risk-based capital ratio | 31.8305% | 490 |
| Memoranda: | ||
| Average total assets | $29,953,250 | 6,323 |
| Average earning assets | $27,249,500 | 6,308 |
| Average equity | $3,268,750 | 6,289 |
| Average total loans | $8,631,500 | 6,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 5,392 |
| Cost of funding earning assets | 0.4463% | 3,370 |
| Net interest margin | 3.0643% | 5,360 |
| Noninterest income to average assets | 1.1598% | 867 |
| Noninterest expense to average assets | 3.4793% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4585% | 4,979 |
| Return on assets (ROA) | 0.4585% | 5,049 |
| Pretax return on assets | 0.4585% | 5,396 |
| Return on Equity (ROE) | 4.1893% | 5,065 |
| Retained earnings to average equity (ytd only) | -1.9715% | 5,990 |
| Net charge-offs to loans | -0.6121% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3562% | 1,054 |
| Assets per employee ($millions) | 2.9603% | 5,806 |
| Cash dividends to net income (ytd only)* | 147.0588% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7491% | 56 |
| Loan loss allowance to noncurrent loans | 65.4206% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 993 |
| Noncurrent loans to loans | 8.7880% | 103 |
| Net loans and leases to total assets | 27.1358% | 6,391 |
| Net loans and leases to deposits | 30.8570% | 6,413 |
| Net loans and leases to core deposits | 33.2519% | 6,386 |
| Total domestic deposits to total assets | 87.9404% | 1,936 |
| Equity capital to assets | 11.1441% | 2,738 |
| Core capital (leverage) ratio | 10.6032% | 2,819 |
| Tier 1 risk-based capital ratio | 29.8878% | 527 |
| Total risk-based capital ratio | 31.1764% | 518 |
| Memoranda: | ||
| Average total assets | $29,661,000 | 6,389 |
| Average earning assets | $26,890,670 | 6,381 |
| Average equity | $3,246,330 | 6,345 |
| Average total loans | $8,822,330 | 6,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 5,340 |
| Cost of funding earning assets | 0.4473% | 3,458 |
| Net interest margin | 3.0864% | 5,296 |
| Noninterest income to average assets | 1.2664% | 690 |
| Noninterest expense to average assets | 3.6511% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4042% | 5,095 |
| Return on assets (ROA) | 0.4042% | 5,162 |
| Pretax return on assets | 0.4042% | 5,444 |
| Return on Equity (ROE) | 3.7267% | 5,162 |
| Retained earnings to average equity (ytd only) | -8.6957% | 6,315 |
| Net charge-offs to loans | -0.2675% | 6,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0332% | 1,035 |
| Assets per employee ($millions) | 3.0250% | 5,820 |
| Cash dividends to net income (ytd only)* | 333.3333% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2614% | 82 |
| Loan loss allowance to noncurrent loans | 65.5028% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 1,135 |
| Noncurrent loans to loans | 8.0323% | 163 |
| Net loans and leases to total assets | 27.9174% | 6,419 |
| Net loans and leases to deposits | 31.4221% | 6,447 |
| Net loans and leases to core deposits | 33.7773% | 6,414 |
| Total domestic deposits to total assets | 88.8463% | 1,753 |
| Equity capital to assets | 10.5950% | 3,149 |
| Core capital (leverage) ratio | 10.8949% | 2,494 |
| Tier 1 risk-based capital ratio | 27.8789% | 650 |
| Total risk-based capital ratio | 29.1652% | 636 |
| Memoranda: | ||
| Average total assets | $29,690,000 | 6,454 |
| Average earning assets | $26,827,000 | 6,445 |
| Average equity | $3,220,000 | 6,404 |
| Average total loans | $8,972,000 | 6,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,823 |
| Cost of funding earning assets | 0.4556% | 4,063 |
| Net interest margin | 3.3434% | 4,507 |
| Noninterest income to average assets | 1.1952% | 989 |
| Noninterest expense to average assets | 3.8438% | 1,068 |
| Loan and lease loss provision to assets | -1.0187% | 6,794 |
| Net operating income to assets | 0.8217% | 3,176 |
| Return on assets (ROA) | 0.8217% | 3,273 |
| Pretax return on assets | 1.3854% | 1,839 |
| Return on Equity (ROE) | 7.3997% | 3,356 |
| Retained earnings to average equity (ytd only) | 3.3635% | 3,834 |
| Net charge-offs to loans | 0.1323% | 3,483 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,331 |
| Earnings coverage of net charge-offs (x) | 8.3077% | 2,692 |
| Efficiency ratio | 91.2903% | 926 |
| Assets per employee ($millions) | 2.9130% | 5,969 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1163% | 85 |
| Loan loss allowance to noncurrent loans | 58.4810% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.0450% | 1,029 |
| Noncurrent loans to loans | 8.7486% | 157 |
| Net loans and leases to total assets | 29.4130% | 6,481 |
| Net loans and leases to deposits | 33.4413% | 6,496 |
| Net loans and leases to core deposits | 34.5261% | 6,506 |
| Total domestic deposits to total assets | 87.9540% | 2,202 |
| Equity capital to assets | 11.1054% | 2,520 |
| Core capital (leverage) ratio | 11.3493% | 2,074 |
| Tier 1 risk-based capital ratio | 28.9371% | 557 |
| Total risk-based capital ratio | 30.2257% | 547 |
| Memoranda: | ||
| Average total assets | $29,450,400 | 6,525 |
| Average earning assets | $26,559,600 | 6,516 |
| Average equity | $3,270,400 | 6,478 |
| Average total loans | $9,829,600 | 6,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,723 |
| Cost of funding earning assets | 0.4549% | 4,221 |
| Net interest margin | 3.3792% | 4,361 |
| Noninterest income to average assets | 1.2732% | 903 |
| Noninterest expense to average assets | 3.8197% | 1,059 |
| Loan and lease loss provision to assets | -1.3545% | 6,879 |
| Net operating income to assets | 1.0881% | 2,051 |
| Return on assets (ROA) | 1.0881% | 2,129 |
| Pretax return on assets | 1.8602% | 778 |
| Return on Equity (ROE) | 9.7989% | 2,262 |
| Retained earnings to average equity (ytd only) | 4.9197% | 3,138 |
| Net charge-offs to loans | 0.4520% | 1,420 |
| Credit loss provision to net charge-offs | -882.3529% | 6,163 |
| Earnings coverage of net charge-offs (x) | 3.2943% | 3,746 |
| Efficiency ratio | 88.3090% | 1,136 |
| Assets per employee ($millions) | 2.8608% | 6,062 |
| Cash dividends to net income (ytd only)* | 49.7930% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7552% | 135 |
| Loan loss allowance to noncurrent loans | 54.9068% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 3.1530% | 1,149 |
| Noncurrent loans to loans | 8.6606% | 197 |
| Net loans and leases to total assets | 30.9459% | 6,494 |
| Net loans and leases to deposits | 35.3385% | 6,535 |
| Net loans and leases to core deposits | 37.1257% | 6,522 |
| Total domestic deposits to total assets | 87.5699% | 2,374 |
| Equity capital to assets | 11.4548% | 2,332 |
| Core capital (leverage) ratio | 11.4809% | 2,057 |
| Tier 1 risk-based capital ratio | 27.9541% | 637 |
| Total risk-based capital ratio | 29.2376% | 626 |
| Memoranda: | ||
| Average total assets | $29,530,500 | 6,596 |
| Average earning assets | $26,672,250 | 6,587 |
| Average equity | $3,279,250 | 6,552 |
| Average total loans | $10,029,500 | 6,660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,605 |
| Cost of funding earning assets | 0.4425% | 4,513 |
| Net interest margin | 3.4224% | 4,102 |
| Noninterest income to average assets | 1.3205% | 894 |
| Noninterest expense to average assets | 3.7804% | 1,125 |
| Loan and lease loss provision to assets | -2.0109% | 6,933 |
| Net operating income to assets | 1.5953% | 754 |
| Return on assets (ROA) | 1.5953% | 827 |
| Pretax return on assets | 2.6610% | 219 |
| Return on Equity (ROE) | 14.5122% | 906 |
| Retained earnings to average equity (ytd only) | 7.1951% | 1,798 |
| Net charge-offs to loans | 0.5645% | 1,168 |
| Credit loss provision to net charge-offs | -1,034.4828% | 6,032 |
| Earnings coverage of net charge-offs (x) | 3.3448% | 3,422 |
| Efficiency ratio | 85.3253% | 1,484 |
| Assets per employee ($millions) | 2.8997% | 6,020 |
| Cash dividends to net income (ytd only)* | 50.4202% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6130% | 165 |
| Loan loss allowance to noncurrent loans | 52.0979% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1245% | 1,278 |
| Noncurrent loans to loans | 8.8545% | 210 |
| Net loans and leases to total assets | 31.8757% | 6,514 |
| Net loans and leases to deposits | 36.4027% | 6,542 |
| Net loans and leases to core deposits | 38.2132% | 6,533 |
| Total domestic deposits to total assets | 87.5642% | 2,511 |
| Equity capital to assets | 11.4115% | 2,369 |
| Core capital (leverage) ratio | 11.1988% | 2,172 |
| Tier 1 risk-based capital ratio | 28.0774% | 622 |
| Total risk-based capital ratio | 29.3591% | 615 |
| Memoranda: | ||
| Average total assets | $29,838,000 | 6,639 |
| Average earning assets | $27,115,670 | 6,626 |
| Average equity | $3,280,000 | 6,603 |
| Average total loans | $10,274,330 | 6,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,409 |
| Cost of funding earning assets | 0.4194% | 4,917 |
| Net interest margin | 3.4994% | 3,700 |
| Noninterest income to average assets | 1.4013% | 782 |
| Noninterest expense to average assets | 3.8997% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4891% | 4,733 |
| Return on assets (ROA) | 0.4891% | 4,884 |
| Pretax return on assets | 0.7006% | 4,579 |
| Return on Equity (ROE) | 4.5322% | 4,824 |
| Retained earnings to average equity (ytd only) | -10.1669% | 6,623 |
| Net charge-offs to loans | 1.2492% | 459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.6061% | 3,299 |
| Efficiency ratio | 84.7701% | 1,672 |
| Assets per employee ($millions) | 3.4477% | 5,095 |
| Cash dividends to net income (ytd only)* | 324.3243% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2815% | 37 |
| Loan loss allowance to noncurrent loans | 85.7968% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.9456% | 1,530 |
| Noncurrent loans to loans | 8.4869% | 298 |
| Net loans and leases to total assets | 30.4908% | 6,585 |
| Net loans and leases to deposits | 34.2964% | 6,627 |
| Net loans and leases to core deposits | 35.3233% | 6,641 |
| Total domestic deposits to total assets | 88.9039% | 1,736 |
| Equity capital to assets | 10.4290% | 3,633 |
| Core capital (leverage) ratio | 10.1555% | 3,209 |
| Tier 1 risk-based capital ratio | 25.6511% | 823 |
| Total risk-based capital ratio | 26.9659% | 806 |
| Memoranda: | ||
| Average total assets | $30,258,500 | 6,699 |
| Average earning assets | $27,661,500 | 6,683 |
| Average equity | $3,265,500 | 6,668 |
| Average total loans | $10,566,500 | 6,746 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 5,380 |
| Cost of funding earning assets | 0.4483% | 5,593 |
| Net interest margin | 3.5297% | 4,378 |
| Noninterest income to average assets | 1.3879% | 810 |
| Noninterest expense to average assets | 3.9881% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4435% | 4,910 |
| Return on assets (ROA) | 0.4435% | 5,160 |
| Pretax return on assets | 0.5647% | 5,093 |
| Return on Equity (ROE) | 4.2806% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.8187% | 3,518 |
| Net charge-offs to loans | -0.2724% | 6,966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5964% | 1,274 |
| Assets per employee ($millions) | 3.2764% | 5,463 |
| Cash dividends to net income (ytd only)* | 10.7914% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1004% | 42 |
| Loan loss allowance to noncurrent loans | 79.2646% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 3.3200% | 1,383 |
| Noncurrent loans to loans | 8.9578% | 295 |
| Net loans and leases to total assets | 34.4310% | 6,525 |
| Net loans and leases to deposits | 39.0710% | 6,595 |
| Net loans and leases to core deposits | 39.6819% | 6,627 |
| Total domestic deposits to total assets | 88.1240% | 2,152 |
| Equity capital to assets | 11.1740% | 2,766 |
| Core capital (leverage) ratio | 10.6869% | 2,558 |
| Tier 1 risk-based capital ratio | 25.1922% | 827 |
| Total risk-based capital ratio | 26.5054% | 812 |
| Memoranda: | ||
| Average total assets | $31,343,400 | 6,725 |
| Average earning assets | $28,104,200 | 6,715 |
| Average equity | $3,247,200 | 6,736 |
| Average total loans | $11,746,400 | 6,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 5,117 |
| Cost of funding earning assets | 0.4650% | 5,681 |
| Net interest margin | 3.6543% | 3,993 |
| Noninterest income to average assets | 1.3707% | 791 |
| Noninterest expense to average assets | 4.0828% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4485% | 5,041 |
| Return on assets (ROA) | 0.4485% | 5,290 |
| Pretax return on assets | 0.5491% | 5,305 |
| Return on Equity (ROE) | 4.4096% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.7914% | 4,223 |
| Net charge-offs to loans | -0.3458% | 7,066 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1448% | 1,181 |
| Assets per employee ($millions) | 3.0412% | 5,979 |
| Cash dividends to net income (ytd only)* | 14.0193% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7869% | 44 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 4.4851% | 1,038 |
| Noncurrent loans to loans | 11.9450% | 171 |
| Net loans and leases to total assets | 34.9993% | 6,613 |
| Net loans and leases to deposits | 39.6824% | 6,684 |
| Net loans and leases to core deposits | 40.0572% | 6,736 |
| Total domestic deposits to total assets | 88.1987% | 1,920 |
| Equity capital to assets | 10.9529% | 3,326 |
| Core capital (leverage) ratio | 10.0594% | 3,460 |
| Tier 1 risk-based capital ratio | 24.0170% | 1,019 |
| Total risk-based capital ratio | 25.3277% | 994 |
| Memoranda: | ||
| Average total assets | $31,807,250 | 6,799 |
| Average earning assets | $28,386,250 | 6,793 |
| Average equity | $3,235,250 | 6,827 |
| Average total loans | $11,950,750 | 6,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 5,070 |
| Cost of funding earning assets | 0.4658% | 5,865 |
| Net interest margin | 3.6988% | 3,826 |
| Noninterest income to average assets | 1.3634% | 771 |
| Noninterest expense to average assets | 4.1522% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3842% | 5,270 |
| Return on assets (ROA) | 0.3842% | 5,509 |
| Pretax return on assets | 0.5082% | 5,416 |
| Return on Equity (ROE) | 3.8710% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.8710% | 4,041 |
| Net charge-offs to loans | -0.4288% | 7,114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0957% | 1,140 |
| Assets per employee ($millions) | 3.0868% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6208% | 57 |
| Loan loss allowance to noncurrent loans | 83.0636% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 3.0031% | 1,835 |
| Noncurrent loans to loans | 7.9708% | 436 |
| Net loans and leases to total assets | 35.1821% | 6,656 |
| Net loans and leases to deposits | 39.6394% | 6,745 |
| Net loans and leases to core deposits | 40.3793% | 6,795 |
| Total domestic deposits to total assets | 88.7553% | 1,670 |
| Equity capital to assets | 10.5546% | 3,615 |
| Core capital (leverage) ratio | 9.8127% | 3,702 |
| Tier 1 risk-based capital ratio | 22.5941% | 1,187 |
| Total risk-based capital ratio | 23.8978% | 1,168 |
| Memoranda: | ||
| Average total assets | $32,272,330 | 6,835 |
| Average earning assets | $28,766,330 | 6,830 |
| Average equity | $3,203,330 | 6,870 |
| Average total loans | $12,128,000 | 6,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 4,667 |
| Cost of funding earning assets | 0.4844% | 5,908 |
| Net interest margin | 3.8340% | 3,222 |
| Noninterest income to average assets | 1.3222% | 814 |
| Noninterest expense to average assets | 4.0152% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6672% | 4,042 |
| Return on assets (ROA) | 0.6672% | 4,257 |
| Pretax return on assets | 0.6672% | 4,892 |
| Return on Equity (ROE) | 6.9270% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.9270% | 2,471 |
| Net charge-offs to loans | -0.6464% | 7,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7513% | 1,504 |
| Assets per employee ($millions) | 2.7154% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2362% | 69 |
| Loan loss allowance to noncurrent loans | 79.7495% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.9400% | 1,967 |
| Noncurrent loans to loans | 7.8198% | 501 |
| Net loans and leases to total assets | 35.2524% | 6,675 |
| Net loans and leases to deposits | 39.3337% | 6,770 |
| Net loans and leases to core deposits | 39.6746% | 6,825 |
| Total domestic deposits to total assets | 89.6241% | 1,287 |
| Equity capital to assets | 9.8481% | 4,311 |
| Core capital (leverage) ratio | 9.7355% | 3,728 |
| Tier 1 risk-based capital ratio | 21.6157% | 1,356 |
| Total risk-based capital ratio | 22.9153% | 1,320 |
| Memoranda: | ||
| Average total assets | $32,974,500 | 6,867 |
| Average earning assets | $28,899,500 | 6,886 |
| Average equity | $3,176,000 | 6,927 |
| Average total loans | $12,377,000 | 6,962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 2,633 |
| Cost of funding earning assets | 0.6346% | 5,900 |
| Net interest margin | 4.4203% | 1,344 |
| Noninterest income to average assets | 1.2329% | 860 |
| Noninterest expense to average assets | 5.0067% | 380 |
| Loan and lease loss provision to assets | 0.1668% | 4,555 |
| Net operating income to assets | 0.0229% | 5,998 |
| Return on assets (ROA) | 0.0229% | 6,113 |
| Pretax return on assets | 0.0229% | 6,083 |
| Return on Equity (ROE) | 0.2354% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.2354% | 5,720 |
| Net charge-offs to loans | -0.4354% | 7,270 |
| Credit loss provision to net charge-offs | -79.6875% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3499% | 804 |
| Assets per employee ($millions) | 2.7803% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9506% | 94 |
| Loan loss allowance to noncurrent loans | 71.6073% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 3.1141% | 1,919 |
| Noncurrent loans to loans | 8.3100% | 469 |
| Net loans and leases to total assets | 35.2446% | 6,803 |
| Net loans and leases to deposits | 39.0794% | 6,923 |
| Net loans and leases to core deposits | 39.4082% | 6,962 |
| Total domestic deposits to total assets | 90.1870% | 886 |
| Equity capital to assets | 9.4203% | 5,003 |
| Core capital (leverage) ratio | 9.7384% | 3,693 |
| Tier 1 risk-based capital ratio | 20.2695% | 1,576 |
| Total risk-based capital ratio | 21.5636% | 1,542 |
| Memoranda: | ||
| Average total assets | $30,579,200 | 6,954 |
| Average earning assets | $27,419,000 | 6,938 |
| Average equity | $2,973,200 | 7,015 |
| Average total loans | $14,697,800 | 6,919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 2,140 |
| Cost of funding earning assets | 0.6639% | 5,967 |
| Net interest margin | 4.5535% | 1,033 |
| Noninterest income to average assets | 1.2760% | 795 |
| Noninterest expense to average assets | 5.2961% | 288 |
| Loan and lease loss provision to assets | 0.2276% | 3,738 |
| Net operating income to assets | -0.1472% | 6,326 |
| Return on assets (ROA) | -0.1472% | 6,408 |
| Pretax return on assets | -0.1472% | 6,371 |
| Return on Equity (ROE) | -1.5013% | 6,426 |
| Retained earnings to average equity (ytd only) | -1.5013% | 6,228 |
| Net charge-offs to loans | 0.0262% | 5,778 |
| Credit loss provision to net charge-offs | 1,700.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,644 |
| Efficiency ratio | 98.5062% | 719 |
| Assets per employee ($millions) | 2.5357% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9279% | 198 |
| Loan loss allowance to noncurrent loans | 59.8585% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.7170% | 1,681 |
| Noncurrent loans to loans | 8.2326% | 521 |
| Net loans and leases to total assets | 42.9243% | 6,438 |
| Net loans and leases to deposits | 48.1068% | 6,619 |
| Net loans and leases to core deposits | 48.5539% | 6,739 |
| Total domestic deposits to total assets | 89.2270% | 1,292 |
| Equity capital to assets | 10.3096% | 3,941 |
| Core capital (leverage) ratio | 9.8693% | 3,620 |
| Tier 1 risk-based capital ratio | 19.7079% | 1,758 |
| Total risk-based capital ratio | 20.9966% | 1,721 |
| Memoranda: | ||
| Average total assets | $29,883,000 | 7,043 |
| Average earning assets | $26,909,250 | 7,031 |
| Average equity | $2,930,750 | 7,088 |
| Average total loans | $15,246,500 | 6,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 2,587 |
| Cost of funding earning assets | 0.6922% | 6,008 |
| Net interest margin | 4.4284% | 1,298 |
| Noninterest income to average assets | 1.2525% | 804 |
| Noninterest expense to average assets | 5.5284% | 261 |
| Loan and lease loss provision to assets | 0.3030% | 2,984 |
| Net operating income to assets | -0.5724% | 6,744 |
| Return on assets (ROA) | -0.5724% | 6,761 |
| Pretax return on assets | -0.5724% | 6,699 |
| Return on Equity (ROE) | -5.9399% | 6,771 |
| Retained earnings to average equity (ytd only) | -5.9399% | 6,649 |
| Net charge-offs to loans | 0.0762% | 4,879 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | -6.6667% | 5,808 |
| Efficiency ratio | 105.1216% | 584 |
| Assets per employee ($millions) | 2.4772% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6243% | 134 |
| Loan loss allowance to noncurrent loans | 69.4987% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.9595% | 1,625 |
| Noncurrent loans to loans | 8.0927% | 557 |
| Net loans and leases to total assets | 46.1751% | 6,251 |
| Net loans and leases to deposits | 51.2317% | 6,520 |
| Net loans and leases to core deposits | 51.7201% | 6,684 |
| Total domestic deposits to total assets | 90.1299% | 909 |
| Equity capital to assets | 9.5977% | 4,661 |
| Core capital (leverage) ratio | 9.2291% | 4,353 |
| Tier 1 risk-based capital ratio | 17.8847% | 2,212 |
| Total risk-based capital ratio | 19.1843% | 2,151 |
| Memoranda: | ||
| Average total assets | $29,701,330 | 7,113 |
| Average earning assets | $26,872,000 | 7,096 |
| Average equity | $2,862,000 | 7,162 |
| Average total loans | $15,749,330 | 6,994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 3,495 |
| Cost of funding earning assets | 0.6984% | 6,152 |
| Net interest margin | 4.2202% | 1,834 |
| Noninterest income to average assets | 1.1722% | 942 |
| Noninterest expense to average assets | 5.4027% | 275 |
| Loan and lease loss provision to assets | 0.4042% | 2,170 |
| Net operating income to assets | -0.8084% | 6,966 |
| Return on assets (ROA) | -0.8084% | 6,975 |
| Pretax return on assets | -0.8084% | 6,928 |
| Return on Equity (ROE) | -8.3726% | 6,970 |
| Retained earnings to average equity (ytd only) | -8.3726% | 6,773 |
| Net charge-offs to loans | 0.1468% | 3,608 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 5,025 |
| Efficiency ratio | 108.0863% | 539 |
| Assets per employee ($millions) | 2.2505% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0678% | 182 |
| Loan loss allowance to noncurrent loans | 44.3401% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 6.1900% | 917 |
| Noncurrent loans to loans | 11.4295% | 317 |
| Net loans and leases to total assets | 51.4133% | 5,660 |
| Net loans and leases to deposits | 57.0594% | 6,017 |
| Net loans and leases to core deposits | 57.6101% | 6,292 |
| Total domestic deposits to total assets | 90.1049% | 1,093 |
| Equity capital to assets | 9.7037% | 4,171 |
| Core capital (leverage) ratio | 9.0428% | 4,548 |
| Tier 1 risk-based capital ratio | 15.5717% | 3,123 |
| Total risk-based capital ratio | 16.8601% | 3,064 |
| Memoranda: | ||
| Average total assets | $29,689,000 | 7,160 |
| Average earning assets | $26,918,000 | 7,138 |
| Average equity | $2,866,500 | 7,207 |
| Average total loans | $16,352,000 | 7,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1075% | 690 |
| Cost of funding earning assets | 0.9111% | 6,128 |
| Net interest margin | 5.1965% | 284 |
| Noninterest income to average assets | 1.7772% | 478 |
| Noninterest expense to average assets | 5.7152% | 267 |
| Loan and lease loss provision to assets | 1.0502% | 1,536 |
| Net operating income to assets | 0.0640% | 5,666 |
| Return on assets (ROA) | 0.0640% | 5,812 |
| Pretax return on assets | -0.3231% | 6,182 |
| Return on Equity (ROE) | 0.6628% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.6628% | 5,243 |
| Net charge-offs to loans | 0.8227% | 2,578 |
| Credit loss provision to net charge-offs | 197.4684% | 1,602 |
| Earnings coverage of net charge-offs (x) | 1.3671% | 4,744 |
| Efficiency ratio | 88.7147% | 1,422 |
| Assets per employee ($millions) | 2.3170% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6207% | 252 |
| Loan loss allowance to noncurrent loans | 54.5900% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 4.7376% | 1,385 |
| Noncurrent loans to loans | 8.4643% | 584 |
| Net loans and leases to total assets | 53.3847% | 5,719 |
| Net loans and leases to deposits | 59.1895% | 6,135 |
| Net loans and leases to core deposits | 59.7414% | 6,412 |
| Total domestic deposits to total assets | 90.1929% | 995 |
| Equity capital to assets | 9.6079% | 4,264 |
| Core capital (leverage) ratio | 9.6064% | 3,549 |
| Tier 1 risk-based capital ratio | 15.3159% | 3,089 |
| Total risk-based capital ratio | 16.6043% | 3,029 |
| Memoranda: | ||
| Average total assets | $29,710,000 | 7,214 |
| Average earning assets | $26,672,000 | 7,205 |
| Average equity | $2,866,800 | 7,312 |
| Average total loans | $19,205,800 | 6,966 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2754% | 536 |
| Cost of funding earning assets | 0.9647% | 6,114 |
| Net interest margin | 5.3107% | 237 |
| Noninterest income to average assets | 1.9409% | 393 |
| Noninterest expense to average assets | 5.7102% | 248 |
| Loan and lease loss provision to assets | 1.3240% | 1,043 |
| Net operating income to assets | 0.1847% | 5,551 |
| Return on assets (ROA) | 0.1847% | 5,712 |
| Pretax return on assets | -0.3332% | 6,435 |
| Return on Equity (ROE) | 1.9115% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.9115% | 5,000 |
| Net charge-offs to loans | 0.8825% | 2,240 |
| Credit loss provision to net charge-offs | 224.4275% | 1,540 |
| Earnings coverage of net charge-offs (x) | 1.6794% | 4,446 |
| Efficiency ratio | 85.2151% | 1,711 |
| Assets per employee ($millions) | 2.0806% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3599% | 271 |
| Loan loss allowance to noncurrent loans | 55.8469% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 4.8441% | 1,351 |
| Noncurrent loans to loans | 7.8068% | 680 |
| Net loans and leases to total assets | 59.3450% | 5,031 |
| Net loans and leases to deposits | 66.1817% | 5,649 |
| Net loans and leases to core deposits | 66.8213% | 6,049 |
| Total domestic deposits to total assets | 89.6697% | 1,035 |
| Equity capital to assets | 10.0590% | 4,081 |
| Core capital (leverage) ratio | 9.9053% | 3,351 |
| Tier 1 risk-based capital ratio | 14.8272% | 3,331 |
| Total risk-based capital ratio | 16.1111% | 3,298 |
| Memoranda: | ||
| Average total assets | $29,607,250 | 7,307 |
| Average earning assets | $26,537,000 | 7,296 |
| Average equity | $2,860,000 | 7,411 |
| Average total loans | $19,792,500 | 7,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3398% | 474 |
| Cost of funding earning assets | 1.0269% | 6,015 |
| Net interest margin | 5.3130% | 242 |
| Noninterest income to average assets | 1.9350% | 370 |
| Noninterest expense to average assets | 5.5834% | 262 |
| Loan and lease loss provision to assets | 1.6932% | 746 |
| Net operating income to assets | -0.5442% | 6,690 |
| Return on assets (ROA) | -0.5442% | 6,722 |
| Pretax return on assets | -0.5442% | 6,619 |
| Return on Equity (ROE) | -5.7109% | 6,757 |
| Retained earnings to average equity (ytd only) | -5.7109% | 6,633 |
| Net charge-offs to loans | 1.6695% | 1,123 |
| Credit loss provision to net charge-offs | 148.2353% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.0059% | 4,782 |
| Efficiency ratio | 82.9341% | 2,051 |
| Assets per employee ($millions) | 2.2330% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6915% | 476 |
| Loan loss allowance to noncurrent loans | 44.5495% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 5.8769% | 1,013 |
| Noncurrent loans to loans | 8.2863% | 614 |
| Net loans and leases to total assets | 63.5399% | 4,342 |
| Net loans and leases to deposits | 70.5219% | 5,201 |
| Net loans and leases to core deposits | 71.2437% | 5,748 |
| Total domestic deposits to total assets | 90.0996% | 875 |
| Equity capital to assets | 9.6559% | 4,460 |
| Core capital (leverage) ratio | 9.3199% | 4,081 |
| Tier 1 risk-based capital ratio | 13.3186% | 4,194 |
| Total risk-based capital ratio | 14.5955% | 4,135 |
| Memoranda: | ||
| Average total assets | $29,767,000 | 7,352 |
| Average earning assets | $26,877,670 | 7,342 |
| Average equity | $2,836,670 | 7,466 |
| Average total loans | $20,365,330 | 7,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0304% | 921 |
| Cost of funding earning assets | 1.0513% | 6,133 |
| Net interest margin | 4.9791% | 437 |
| Noninterest income to average assets | 2.6546% | 237 |
| Noninterest expense to average assets | 5.4685% | 278 |
| Loan and lease loss provision to assets | 2.7077% | 379 |
| Net operating income to assets | -0.9955% | 7,102 |
| Return on assets (ROA) | -0.9955% | 7,127 |
| Pretax return on assets | -0.9955% | 7,047 |
| Return on Equity (ROE) | -10.5134% | 7,157 |
| Retained earnings to average equity (ytd only) | -10.5134% | 6,992 |
| Net charge-offs to loans | 2.7847% | 572 |
| Credit loss provision to net charge-offs | 139.7260% | 2,533 |
| Earnings coverage of net charge-offs (x) | 0.8836% | 4,255 |
| Efficiency ratio | 76.1553% | 3,186 |
| Assets per employee ($millions) | 2.2879% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3417% | 610 |
| Loan loss allowance to noncurrent loans | 37.7348% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 6.0855% | 976 |
| Noncurrent loans to loans | 8.8556% | 559 |
| Net loans and leases to total assets | 66.4224% | 3,769 |
| Net loans and leases to deposits | 73.6258% | 4,801 |
| Net loans and leases to core deposits | 73.6258% | 5,530 |
| Total domestic deposits to total assets | 90.2162% | 883 |
| Equity capital to assets | 9.4711% | 4,581 |
| Core capital (leverage) ratio | 9.0167% | 4,535 |
| Tier 1 risk-based capital ratio | 12.3965% | 4,833 |
| Total risk-based capital ratio | 13.6671% | 4,771 |
| Memoranda: | ||
| Average total assets | $30,136,000 | 7,435 |
| Average earning assets | $27,394,500 | 7,410 |
| Average equity | $2,853,500 | 7,539 |
| Average total loans | $20,972,000 | 7,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 2,183 |
| Cost of funding earning assets | 1.4849% | 5,573 |
| Net interest margin | 4.4273% | 1,355 |
| Noninterest income to average assets | 1.2233% | 1,018 |
| Noninterest expense to average assets | 4.7049% | 646 |
| Loan and lease loss provision to assets | 1.6605% | 1,379 |
| Net operating income to assets | -1.0373% | 6,596 |
| Return on assets (ROA) | -0.9853% | 6,572 |
| Pretax return on assets | -1.0517% | 6,451 |
| Return on Equity (ROE) | -11.3448% | 6,722 |
| Retained earnings to average equity (ytd only) | -13.2569% | 6,773 |
| Net charge-offs to loans | 1.9943% | 1,235 |
| Credit loss provision to net charge-offs | 131.5789% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.4386% | 5,666 |
| Efficiency ratio | 89.4737% | 1,750 |
| Assets per employee ($millions) | 2.1806% | 7,589 |
| Cash dividends to net income (ytd only)* | -16.8539% | 7,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9063% | 838 |
| Loan loss allowance to noncurrent loans | 30.0625% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 6.8984% | 740 |
| Noncurrent loans to loans | 9.6675% | 443 |
| Net loans and leases to total assets | 68.3940% | 3,614 |
| Net loans and leases to deposits | 75.8197% | 4,771 |
| Net loans and leases to core deposits | 86.5743% | 5,465 |
| Total domestic deposits to total assets | 90.2060% | 882 |
| Equity capital to assets | 9.4664% | 4,462 |
| Core capital (leverage) ratio | 8.3368% | 5,549 |
| Tier 1 risk-based capital ratio | 12.2220% | 4,749 |
| Total risk-based capital ratio | 13.4911% | 4,693 |
| Memoranda: | ||
| Average total assets | $36,132,800 | 7,241 |
| Average earning assets | $32,932,000 | 7,229 |
| Average equity | $3,138,000 | 7,554 |
| Average total loans | $22,864,800 | 7,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8498% | 2,668 |
| Cost of funding earning assets | 1.5451% | 5,657 |
| Net interest margin | 4.3046% | 1,719 |
| Noninterest income to average assets | 1.1651% | 1,162 |
| Noninterest expense to average assets | 4.3622% | 851 |
| Loan and lease loss provision to assets | 0.9520% | 2,023 |
| Net operating income to assets | -0.1350% | 5,956 |
| Return on assets (ROA) | -0.1350% | 5,979 |
| Pretax return on assets | -0.2203% | 6,007 |
| Return on Equity (ROE) | -1.5834% | 6,034 |
| Retained earnings to average equity (ytd only) | -4.0831% | 6,122 |
| Net charge-offs to loans | 1.3158% | 1,557 |
| Credit loss provision to net charge-offs | 117.0306% | 4,346 |
| Earnings coverage of net charge-offs (x) | 0.8996% | 5,156 |
| Efficiency ratio | 85.6346% | 2,100 |
| Assets per employee ($millions) | 2.6489% | 6,943 |
| Cash dividends to net income (ytd only)* | -157.8843% | 8,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3036% | 1,291 |
| Loan loss allowance to noncurrent loans | 26.2759% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 5.3365% | 1,089 |
| Noncurrent loans to loans | 8.7671% | 520 |
| Net loans and leases to total assets | 59.4677% | 5,669 |
| Net loans and leases to deposits | 65.2803% | 6,374 |
| Net loans and leases to core deposits | 75.8591% | 6,624 |
| Total domestic deposits to total assets | 91.0959% | 386 |
| Equity capital to assets | 8.6776% | 5,995 |
| Core capital (leverage) ratio | 8.3097% | 5,816 |
| Tier 1 risk-based capital ratio | 11.2757% | 5,653 |
| Total risk-based capital ratio | 12.5321% | 5,595 |
| Memoranda: | ||
| Average total assets | $37,533,750 | 7,251 |
| Average earning assets | $34,257,000 | 7,235 |
| Average equity | $3,200,000 | 7,599 |
| Average total loans | $23,204,750 | 7,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 3,443 |
| Cost of funding earning assets | 1.5584% | 5,893 |
| Net interest margin | 4.1596% | 2,126 |
| Noninterest income to average assets | 1.1729% | 1,137 |
| Noninterest expense to average assets | 4.3467% | 900 |
| Loan and lease loss provision to assets | 1.2950% | 1,323 |
| Net operating income to assets | -0.5307% | 6,580 |
| Return on assets (ROA) | -0.5307% | 6,588 |
| Pretax return on assets | -0.6581% | 6,571 |
| Return on Equity (ROE) | -6.2617% | 6,739 |
| Retained earnings to average equity (ytd only) | -10.0188% | 6,875 |
| Net charge-offs to loans | 1.2983% | 1,424 |
| Credit loss provision to net charge-offs | 160.5263% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.7895% | 4,943 |
| Efficiency ratio | 87.2204% | 2,104 |
| Assets per employee ($millions) | 2.8408% | 6,537 |
| Cash dividends to net income (ytd only)* | -60.0000% | 8,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 913 |
| Loan loss allowance to noncurrent loans | 29.9373% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 5.1828% | 998 |
| Noncurrent loans to loans | 8.3084% | 514 |
| Net loans and leases to total assets | 60.8286% | 5,546 |
| Net loans and leases to deposits | 66.5639% | 6,342 |
| Net loans and leases to core deposits | 76.6611% | 6,633 |
| Total domestic deposits to total assets | 91.3837% | 349 |
| Equity capital to assets | 8.4186% | 6,169 |
| Core capital (leverage) ratio | 7.6092% | 6,886 |
| Tier 1 risk-based capital ratio | 10.8333% | 6,050 |
| Total risk-based capital ratio | 12.0922% | 5,973 |
| Memoranda: | ||
| Average total assets | $37,683,670 | 7,305 |
| Average earning assets | $34,522,330 | 7,293 |
| Average equity | $3,194,000 | 7,664 |
| Average total loans | $23,415,330 | 7,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 2,932 |
| Cost of funding earning assets | 1.6086% | 5,997 |
| Net interest margin | 4.2627% | 1,693 |
| Noninterest income to average assets | 1.1561% | 1,100 |
| Noninterest expense to average assets | 4.2038% | 936 |
| Loan and lease loss provision to assets | 1.2612% | 1,011 |
| Net operating income to assets | -0.4099% | 6,792 |
| Return on assets (ROA) | -0.4099% | 6,862 |
| Pretax return on assets | -0.4099% | 6,749 |
| Return on Equity (ROE) | -4.8200% | 6,966 |
| Retained earnings to average equity (ytd only) | -12.2354% | 7,281 |
| Net charge-offs to loans | 3.3383% | 372 |
| Credit loss provision to net charge-offs | 60.9137% | 4,501 |
| Earnings coverage of net charge-offs (x) | 0.4112% | 4,659 |
| Efficiency ratio | 83.1601% | 2,394 |
| Assets per employee ($millions) | 2.6303% | 7,027 |
| Cash dividends to net income (ytd only)* | -153.8462% | 8,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,052 |
| Loan loss allowance to noncurrent loans | 23.8771% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 4.5948% | 1,032 |
| Noncurrent loans to loans | 7.2354% | 535 |
| Net loans and leases to total assets | 62.4077% | 5,251 |
| Net loans and leases to deposits | 68.6102% | 6,119 |
| Net loans and leases to core deposits | 78.9400% | 6,466 |
| Total domestic deposits to total assets | 90.9597% | 428 |
| Equity capital to assets | 8.6655% | 5,817 |
| Core capital (leverage) ratio | 8.3149% | 5,879 |
| Tier 1 risk-based capital ratio | 11.8153% | 5,107 |
| Total risk-based capital ratio | 13.0687% | 5,019 |
| Memoranda: | ||
| Average total assets | $38,060,500 | 7,332 |
| Average earning assets | $34,813,500 | 7,312 |
| Average equity | $3,236,500 | 7,706 |
| Average total loans | $23,604,500 | 7,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9202% | 1,344 |
| Cost of funding earning assets | 2.1911% | 5,638 |
| Net interest margin | 4.7291% | 918 |
| Noninterest income to average assets | 1.5135% | 611 |
| Noninterest expense to average assets | 4.3621% | 980 |
| Loan and lease loss provision to assets | 0.2518% | 4,400 |
| Net operating income to assets | 0.7843% | 3,506 |
| Return on assets (ROA) | 0.7843% | 3,350 |
| Pretax return on assets | 1.1909% | 2,675 |
| Return on Equity (ROE) | 9.3019% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.4532% | 2,992 |
| Net charge-offs to loans | 0.6241% | 1,971 |
| Credit loss provision to net charge-offs | 62.7451% | 6,193 |
| Earnings coverage of net charge-offs (x) | 3.5948% | 4,301 |
| Efficiency ratio | 75.1469% | 3,380 |
| Assets per employee ($millions) | 2.6198% | 6,966 |
| Cash dividends to net income (ytd only)* | 62.8763% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 1,188 |
| Loan loss allowance to noncurrent loans | 33.1496% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 3.6924% | 1,177 |
| Noncurrent loans to loans | 6.0905% | 578 |
| Net loans and leases to total assets | 59.4015% | 5,995 |
| Net loans and leases to deposits | 65.0350% | 6,713 |
| Net loans and leases to core deposits | 76.5244% | 6,832 |
| Total domestic deposits to total assets | 91.3378% | 240 |
| Equity capital to assets | 8.3518% | 6,341 |
| Core capital (leverage) ratio | 8.1443% | 6,262 |
| Tier 1 risk-based capital ratio | 11.7641% | 5,010 |
| Total risk-based capital ratio | 13.0210% | 4,917 |
| Memoranda: | ||
| Average total assets | $38,123,600 | 7,300 |
| Average earning assets | $34,594,600 | 7,300 |
| Average equity | $3,214,400 | 7,768 |
| Average total loans | $24,516,800 | 7,055 |