Home > First National Bank in Wewoka > Performance and Condition Ratios
First National Bank in Wewoka, Performance and Condition Ratios
| 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 | 3.4968% | 5,416 |
| Cost of funding earning assets | 0.3427% | 4,509 |
| Net interest margin | 3.1541% | 5,079 |
| Noninterest income to average assets | 0.7061% | 2,254 |
| Noninterest expense to average assets | 2.9867% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7061% | 3,807 |
| Return on assets (ROA) | 0.7061% | 3,898 |
| Pretax return on assets | 0.7061% | 4,619 |
| Return on Equity (ROE) | 5.3335% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.3335% | 2,739 |
| Net charge-offs to loans | -0.0483% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8789% | 1,898 |
| Assets per employee ($millions) | 2.6569% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0409% | 6,596 |
| Loan loss allowance to noncurrent loans | 0.7364% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 1.5033% | 2,170 |
| Noncurrent loans to loans | 5.5492% | 317 |
| Net loans and leases to total assets | 27.0795% | 6,393 |
| Net loans and leases to deposits | 31.5151% | 6,396 |
| Net loans and leases to core deposits | 32.2360% | 6,406 |
| Total domestic deposits to total assets | 85.9256% | 3,078 |
| Equity capital to assets | 13.9593% | 981 |
| Core capital (leverage) ratio | 12.1417% | 1,578 |
| Tier 1 risk-based capital ratio | 26.5628% | 729 |
| Total risk-based capital ratio | 26.5867% | 820 |
| Memoranda: | ||
| Average total assets | $45,602,000 | 6,014 |
| Average earning assets | $43,182,330 | 5,974 |
| Average equity | $6,037,330 | 5,709 |
| Average total loans | $12,430,330 | 6,372 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 5,500 |
| Cost of funding earning assets | 0.3416% | 4,629 |
| Net interest margin | 3.1294% | 5,149 |
| Noninterest income to average assets | 0.7246% | 2,061 |
| Noninterest expense to average assets | 2.8721% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8119% | 3,099 |
| Return on assets (ROA) | 0.8119% | 3,169 |
| Pretax return on assets | 0.8119% | 4,062 |
| Return on Equity (ROE) | 6.3013% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.3013% | 2,379 |
| Net charge-offs to loans | -0.0319% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9621% | 2,479 |
| Assets per employee ($millions) | 2.7375% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0238% | 6,668 |
| Loan loss allowance to noncurrent loans | 0.4800% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 2,633 |
| Noncurrent loans to loans | 4.9521% | 455 |
| Net loans and leases to total assets | 27.1133% | 6,441 |
| Net loans and leases to deposits | 31.1617% | 6,453 |
| Net loans and leases to core deposits | 31.8435% | 6,462 |
| Total domestic deposits to total assets | 87.0085% | 2,805 |
| Equity capital to assets | 12.9228% | 1,340 |
| Core capital (leverage) ratio | 12.2242% | 1,521 |
| Tier 1 risk-based capital ratio | 25.2718% | 863 |
| Total risk-based capital ratio | 25.2857% | 980 |
| Memoranda: | ||
| Average total assets | $45,819,500 | 6,073 |
| Average earning assets | $43,331,000 | 6,020 |
| Average equity | $5,903,500 | 5,770 |
| Average total loans | $12,527,500 | 6,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8535% | 6,780 |
| Cost of funding earning assets | 0.0951% | 6,688 |
| Net interest margin | 0.7585% | 6,773 |
| Noninterest income to average assets | 0.1762% | 6,030 |
| Noninterest expense to average assets | 0.8318% | 6,770 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0645% | 6,108 |
| Return on assets (ROA) | 0.0645% | 6,157 |
| Pretax return on assets | 0.0645% | 6,137 |
| Return on Equity (ROE) | 0.4088% | 6,180 |
| Retained earnings to average equity (ytd only) | -26.8473% | 6,703 |
| Net charge-offs to loans | -0.0153% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8058% | 821 |
| Assets per employee ($millions) | 2.5056% | 6,399 |
| Cash dividends to net income (ytd only)* | 6,666.6667% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0161% | 6,745 |
| Loan loss allowance to noncurrent loans | 0.3077% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 2,582 |
| Noncurrent loans to loans | 5.2276% | 457 |
| Net loans and leases to total assets | 27.5648% | 6,533 |
| Net loans and leases to deposits | 32.1906% | 6,528 |
| Net loans and leases to core deposits | 32.9298% | 6,534 |
| Total domestic deposits to total assets | 85.6300% | 3,444 |
| Equity capital to assets | 12.8445% | 1,348 |
| Core capital (leverage) ratio | 11.8201% | 1,742 |
| Tier 1 risk-based capital ratio | 24.9733% | 851 |
| Total risk-based capital ratio | 24.9826% | 969 |
| Memoranda: | ||
| Average total assets | $46,525,400 | 6,103 |
| Average earning assets | $44,168,600 | 6,046 |
| Average equity | $7,337,800 | 5,490 |
| Average total loans | $13,096,600 | 6,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0030% | 6,888 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.0030% | 6,885 |
| Noninterest income to average assets | 0.0085% | 6,724 |
| Noninterest expense to average assets | 0.1052% | 6,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0939% | 6,377 |
| Return on assets (ROA) | -0.0939% | 6,414 |
| Pretax return on assets | -0.0939% | 6,394 |
| Return on Equity (ROE) | -0.5697% | 6,390 |
| Retained earnings to average equity (ytd only) | -0.5697% | 6,058 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 925.0000% | 3 |
| Assets per employee ($millions) | 2.6081% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 2,797 |
| Noncurrent loans to loans | 5.2407% | 548 |
| Net loans and leases to total assets | 27.4768% | 6,613 |
| Net loans and leases to deposits | 32.9527% | 6,596 |
| Net loans and leases to core deposits | 33.6991% | 6,615 |
| Total domestic deposits to total assets | 83.3827% | 4,423 |
| Equity capital to assets | 16.5193% | 472 |
| Core capital (leverage) ratio | 16.0076% | 488 |
| Tier 1 risk-based capital ratio | 32.7092% | 410 |
| Total risk-based capital ratio | 32.7092% | 450 |
| Memoranda: | ||
| Average total assets | $46,881,500 | 6,169 |
| Average earning assets | $44,596,250 | 6,103 |
| Average equity | $7,724,000 | 5,466 |
| Average total loans | $13,262,250 | 6,547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,939 |
| Cost of funding earning assets | 0.4201% | 4,753 |
| Net interest margin | 3.3476% | 4,385 |
| Noninterest income to average assets | 0.7554% | 2,391 |
| Noninterest expense to average assets | 3.1071% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8451% | 3,075 |
| Return on assets (ROA) | 0.8451% | 3,224 |
| Pretax return on assets | 0.8451% | 4,135 |
| Return on Equity (ROE) | 5.1337% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.0448% | 3,726 |
| Net charge-offs to loans | 0.0299% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 466 |
| Efficiency ratio | 78.6177% | 2,366 |
| Assets per employee ($millions) | 2.5696% | 6,432 |
| Cash dividends to net income (ytd only)* | 21.2121% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,064 |
| Loan loss allowance to noncurrent loans | 35.4575% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 3,131 |
| Noncurrent loans to loans | 4.5901% | 753 |
| Net loans and leases to total assets | 28.3571% | 6,624 |
| Net loans and leases to deposits | 33.8512% | 6,617 |
| Net loans and leases to core deposits | 34.6251% | 6,633 |
| Total domestic deposits to total assets | 83.7697% | 4,428 |
| Equity capital to assets | 16.0854% | 515 |
| Core capital (leverage) ratio | 14.4240% | 719 |
| Tier 1 risk-based capital ratio | 30.9801% | 477 |
| Total risk-based capital ratio | 31.9717% | 485 |
| Memoranda: | ||
| Average total assets | $46,860,330 | 6,213 |
| Average earning assets | $44,748,000 | 6,147 |
| Average equity | $7,713,670 | 5,509 |
| Average total loans | $13,383,330 | 6,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 4,877 |
| Cost of funding earning assets | 0.4352% | 4,752 |
| Net interest margin | 3.3484% | 4,323 |
| Noninterest income to average assets | 0.7039% | 2,570 |
| Noninterest expense to average assets | 2.9344% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9668% | 2,364 |
| Return on assets (ROA) | 0.9668% | 2,496 |
| Pretax return on assets | 0.9668% | 3,498 |
| Return on Equity (ROE) | 5.8085% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.8085% | 2,776 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2174% | 3,056 |
| Assets per employee ($millions) | 2.6077% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,323 |
| Loan loss allowance to noncurrent loans | 33.9036% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 3,219 |
| Noncurrent loans to loans | 4.7736% | 827 |
| Net loans and leases to total assets | 28.2324% | 6,658 |
| Net loans and leases to deposits | 33.9743% | 6,639 |
| Net loans and leases to core deposits | 34.7448% | 6,657 |
| Total domestic deposits to total assets | 83.0993% | 4,821 |
| Equity capital to assets | 16.8048% | 446 |
| Core capital (leverage) ratio | 14.4280% | 687 |
| Tier 1 risk-based capital ratio | 30.8513% | 495 |
| Total risk-based capital ratio | 31.8496% | 497 |
| Memoranda: | ||
| Average total assets | $47,164,000 | 6,262 |
| Average earning assets | $45,036,500 | 6,188 |
| Average equity | $7,850,500 | 5,526 |
| Average total loans | $13,408,500 | 6,645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 5,440 |
| Cost of funding earning assets | 0.5399% | 4,906 |
| Net interest margin | 3.4110% | 4,842 |
| Noninterest income to average assets | 0.7264% | 2,601 |
| Noninterest expense to average assets | 3.0439% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9394% | 2,605 |
| Return on assets (ROA) | 0.9394% | 2,853 |
| Pretax return on assets | 0.9394% | 3,779 |
| Return on Equity (ROE) | 5.6465% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.2778% | 3,920 |
| Net charge-offs to loans | 0.1552% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,321 |
| Efficiency ratio | 76.4171% | 2,675 |
| Assets per employee ($millions) | 2.6327% | 6,504 |
| Cash dividends to net income (ytd only)* | 41.9501% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 3,145 |
| Loan loss allowance to noncurrent loans | 34.0062% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.3590% | 3,362 |
| Noncurrent loans to loans | 4.8251% | 848 |
| Net loans and leases to total assets | 27.7026% | 6,764 |
| Net loans and leases to deposits | 33.1934% | 6,756 |
| Net loans and leases to core deposits | 33.9356% | 6,769 |
| Total domestic deposits to total assets | 83.4582% | 4,552 |
| Equity capital to assets | 16.4869% | 481 |
| Core capital (leverage) ratio | 13.9774% | 811 |
| Tier 1 risk-based capital ratio | 31.1010% | 470 |
| Total risk-based capital ratio | 32.1309% | 465 |
| Memoranda: | ||
| Average total assets | $46,946,200 | 6,294 |
| Average earning assets | $44,826,000 | 6,213 |
| Average equity | $7,810,200 | 5,553 |
| Average total loans | $13,528,800 | 6,713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 5,598 |
| Cost of funding earning assets | 0.5537% | 5,053 |
| Net interest margin | 3.4175% | 4,974 |
| Noninterest income to average assets | 0.7145% | 2,640 |
| Noninterest expense to average assets | 3.0489% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9337% | 2,820 |
| Return on assets (ROA) | 0.9337% | 3,040 |
| Pretax return on assets | 0.9337% | 3,984 |
| Return on Equity (ROE) | 5.5998% | 4,533 |
| Retained earnings to average equity (ytd only) | 3.9097% | 4,136 |
| Net charge-offs to loans | 0.1571% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.5026% | 1,446 |
| Efficiency ratio | 76.5547% | 2,591 |
| Assets per employee ($millions) | 2.5997% | 6,601 |
| Cash dividends to net income (ytd only)* | 30.1838% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 3,228 |
| Loan loss allowance to noncurrent loans | 35.0711% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 3,593 |
| Noncurrent loans to loans | 4.7763% | 969 |
| Net loans and leases to total assets | 27.8470% | 6,881 |
| Net loans and leases to deposits | 33.6388% | 6,875 |
| Net loans and leases to core deposits | 34.4062% | 6,892 |
| Total domestic deposits to total assets | 82.7823% | 4,729 |
| Equity capital to assets | 17.0339% | 457 |
| Core capital (leverage) ratio | 14.1306% | 790 |
| Tier 1 risk-based capital ratio | 31.9791% | 447 |
| Total risk-based capital ratio | 33.0554% | 443 |
| Memoranda: | ||
| Average total assets | $46,835,500 | 6,370 |
| Average earning assets | $44,787,750 | 6,283 |
| Average equity | $7,809,500 | 5,608 |
| Average total loans | $13,574,250 | 6,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 5,532 |
| Cost of funding earning assets | 0.5719% | 5,135 |
| Net interest margin | 3.4628% | 4,830 |
| Noninterest income to average assets | 0.7172% | 2,569 |
| Noninterest expense to average assets | 3.0609% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9648% | 2,604 |
| Return on assets (ROA) | 0.9648% | 2,849 |
| Pretax return on assets | 0.9648% | 3,838 |
| Return on Equity (ROE) | 5.8280% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.1002% | 3,878 |
| Net charge-offs to loans | 0.1462% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,291 |
| Efficiency ratio | 76.0339% | 2,739 |
| Assets per employee ($millions) | 2.4847% | 6,777 |
| Cash dividends to net income (ytd only)* | 29.6460% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,338 |
| Loan loss allowance to noncurrent loans | 34.1282% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 3,592 |
| Noncurrent loans to loans | 4.9111% | 1,016 |
| Net loans and leases to total assets | 28.4564% | 6,922 |
| Net loans and leases to deposits | 34.2329% | 6,917 |
| Net loans and leases to core deposits | 35.0035% | 6,935 |
| Total domestic deposits to total assets | 83.1261% | 4,704 |
| Equity capital to assets | 16.7299% | 482 |
| Core capital (leverage) ratio | 13.8940% | 833 |
| Tier 1 risk-based capital ratio | 31.5739% | 457 |
| Total risk-based capital ratio | 32.6818% | 457 |
| Memoranda: | ||
| Average total assets | $46,849,000 | 6,414 |
| Average earning assets | $44,761,330 | 6,323 |
| Average equity | $7,755,670 | 5,641 |
| Average total loans | $13,681,330 | 6,856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 5,540 |
| Cost of funding earning assets | 0.5823% | 5,270 |
| Net interest margin | 3.4940% | 4,735 |
| Noninterest income to average assets | 0.7285% | 2,505 |
| Noninterest expense to average assets | 3.1113% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9600% | 2,641 |
| Return on assets (ROA) | 0.9600% | 2,844 |
| Pretax return on assets | 0.9600% | 3,834 |
| Return on Equity (ROE) | 5.8299% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.8299% | 3,057 |
| Net charge-offs to loans | 0.1169% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 979 |
| Efficiency ratio | 76.4211% | 2,727 |
| Assets per employee ($millions) | 2.4959% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 3,152 |
| Loan loss allowance to noncurrent loans | 35.8118% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 3,784 |
| Noncurrent loans to loans | 4.8960% | 1,160 |
| Net loans and leases to total assets | 27.8852% | 6,984 |
| Net loans and leases to deposits | 33.3468% | 6,975 |
| Net loans and leases to core deposits | 34.0886% | 6,992 |
| Total domestic deposits to total assets | 83.6219% | 4,667 |
| Equity capital to assets | 16.2769% | 535 |
| Core capital (leverage) ratio | 14.1445% | 767 |
| Tier 1 risk-based capital ratio | 31.9353% | 437 |
| Total risk-based capital ratio | 33.0984% | 431 |
| Memoranda: | ||
| Average total assets | $46,669,000 | 6,468 |
| Average earning assets | $44,647,500 | 6,376 |
| Average equity | $7,684,500 | 5,689 |
| Average total loans | $13,690,500 | 6,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 5,748 |
| Cost of funding earning assets | 0.8533% | 4,446 |
| Net interest margin | 3.4525% | 5,321 |
| Noninterest income to average assets | 0.7632% | 2,271 |
| Noninterest expense to average assets | 3.1559% | 3,010 |
| Loan and lease loss provision to assets | 0.0548% | 5,911 |
| Net operating income to assets | 0.8443% | 2,856 |
| Return on assets (ROA) | 0.8443% | 3,008 |
| Pretax return on assets | 0.8443% | 3,803 |
| Return on Equity (ROE) | 5.2609% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.2273% | 4,625 |
| Net charge-offs to loans | 0.2607% | 4,146 |
| Credit loss provision to net charge-offs | 69.4444% | 4,864 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 1,728 |
| Efficiency ratio | 77.8259% | 2,614 |
| Assets per employee ($millions) | 2.2958% | 7,014 |
| Cash dividends to net income (ytd only)* | 57.6623% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 3,111 |
| Loan loss allowance to noncurrent loans | 35.7675% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 3,786 |
| Noncurrent loans to loans | 4.8201% | 1,198 |
| Net loans and leases to total assets | 29.7964% | 7,017 |
| Net loans and leases to deposits | 36.1234% | 6,996 |
| Net loans and leases to core deposits | 36.9647% | 7,018 |
| Total domestic deposits to total assets | 82.4850% | 4,969 |
| Equity capital to assets | 16.6612% | 495 |
| Core capital (leverage) ratio | 13.8555% | 856 |
| Tier 1 risk-based capital ratio | 31.6672% | 440 |
| Total risk-based capital ratio | 32.8608% | 432 |
| Memoranda: | ||
| Average total assets | $45,597,400 | 6,493 |
| Average earning assets | $43,476,200 | 6,402 |
| Average equity | $7,318,200 | 5,769 |
| Average total loans | $13,806,600 | 6,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 5,917 |
| Cost of funding earning assets | 0.9007% | 4,392 |
| Net interest margin | 3.4091% | 5,544 |
| Noninterest income to average assets | 0.7616% | 2,250 |
| Noninterest expense to average assets | 3.2280% | 2,735 |
| Loan and lease loss provision to assets | 0.0732% | 5,537 |
| Net operating income to assets | 0.7089% | 3,568 |
| Return on assets (ROA) | 0.7089% | 3,734 |
| Pretax return on assets | 0.7089% | 4,441 |
| Return on Equity (ROE) | 4.4596% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.4325% | 4,906 |
| Net charge-offs to loans | 0.3774% | 3,218 |
| Credit loss provision to net charge-offs | 64.1026% | 4,667 |
| Earnings coverage of net charge-offs (x) | 6.8460% | 2,473 |
| Efficiency ratio | 80.4967% | 2,186 |
| Assets per employee ($millions) | 2.5532% | 6,835 |
| Cash dividends to net income (ytd only)* | 45.4534% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,186 |
| Loan loss allowance to noncurrent loans | 34.2029% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 3,865 |
| Noncurrent loans to loans | 5.0446% | 1,224 |
| Net loans and leases to total assets | 29.2484% | 7,107 |
| Net loans and leases to deposits | 35.2734% | 7,094 |
| Net loans and leases to core deposits | 36.0888% | 7,116 |
| Total domestic deposits to total assets | 82.9192% | 4,717 |
| Equity capital to assets | 16.9046% | 492 |
| Core capital (leverage) ratio | 13.8258% | 946 |
| Tier 1 risk-based capital ratio | 31.8164% | 459 |
| Total risk-based capital ratio | 33.0068% | 454 |
| Memoranda: | ||
| Average total assets | $45,518,000 | 6,548 |
| Average earning assets | $43,372,500 | 6,467 |
| Average equity | $7,235,250 | 5,835 |
| Average total loans | $13,778,000 | 7,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 6,107 |
| Cost of funding earning assets | 0.9281% | 4,464 |
| Net interest margin | 3.3429% | 5,731 |
| Noninterest income to average assets | 0.7406% | 2,320 |
| Noninterest expense to average assets | 3.2267% | 2,815 |
| Loan and lease loss provision to assets | 0.0882% | 5,212 |
| Net operating income to assets | 0.6171% | 3,973 |
| Return on assets (ROA) | 0.6171% | 4,103 |
| Pretax return on assets | 0.6171% | 4,686 |
| Return on Equity (ROE) | 3.9675% | 4,957 |
| Retained earnings to average equity (ytd only) | 2.4372% | 4,734 |
| Net charge-offs to loans | 0.5358% | 2,489 |
| Credit loss provision to net charge-offs | 54.0541% | 4,484 |
| Earnings coverage of net charge-offs (x) | 4.3243% | 2,890 |
| Efficiency ratio | 82.0628% | 2,094 |
| Assets per employee ($millions) | 2.3901% | 7,032 |
| Cash dividends to net income (ytd only)* | 38.5714% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 3,359 |
| Loan loss allowance to noncurrent loans | 32.9562% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 3,857 |
| Noncurrent loans to loans | 5.1314% | 1,259 |
| Net loans and leases to total assets | 29.8276% | 7,186 |
| Net loans and leases to deposits | 35.6644% | 7,177 |
| Net loans and leases to core deposits | 36.4907% | 7,207 |
| Total domestic deposits to total assets | 83.6339% | 4,493 |
| Equity capital to assets | 16.2097% | 587 |
| Core capital (leverage) ratio | 13.8820% | 897 |
| Tier 1 risk-based capital ratio | 32.1505% | 447 |
| Total risk-based capital ratio | 33.3419% | 443 |
| Memoranda: | ||
| Average total assets | $45,371,330 | 6,616 |
| Average earning assets | $43,316,330 | 6,531 |
| Average equity | $7,057,330 | 5,905 |
| Average total loans | $13,811,330 | 7,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 5,537 |
| Cost of funding earning assets | 0.9426% | 4,628 |
| Net interest margin | 3.5024% | 5,002 |
| Noninterest income to average assets | 0.6350% | 2,930 |
| Noninterest expense to average assets | 3.2193% | 2,819 |
| Loan and lease loss provision to assets | 0.1147% | 4,577 |
| Net operating income to assets | 0.6439% | 3,782 |
| Return on assets (ROA) | 0.6439% | 3,858 |
| Pretax return on assets | 0.6439% | 4,517 |
| Return on Equity (ROE) | 4.2285% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.2285% | 3,628 |
| Net charge-offs to loans | 0.1736% | 3,449 |
| Credit loss provision to net charge-offs | 216.6667% | 1,389 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,378 |
| Efficiency ratio | 80.9313% | 2,379 |
| Assets per employee ($millions) | 2.4010% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,765 |
| Loan loss allowance to noncurrent loans | 348.6486% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 6,756 |
| Noncurrent loans to loans | 0.5385% | 5,952 |
| Net loans and leases to total assets | 29.5579% | 7,240 |
| Net loans and leases to deposits | 34.9816% | 7,248 |
| Net loans and leases to core deposits | 35.7789% | 7,269 |
| Total domestic deposits to total assets | 84.4955% | 4,271 |
| Equity capital to assets | 15.3883% | 686 |
| Core capital (leverage) ratio | 13.9429% | 865 |
| Tier 1 risk-based capital ratio | 31.8286% | 442 |
| Total risk-based capital ratio | 33.1271% | 435 |
| Memoranda: | ||
| Average total assets | $45,351,500 | 6,655 |
| Average earning assets | $43,285,000 | 6,580 |
| Average equity | $6,905,500 | 5,952 |
| Average total loans | $13,828,000 | 7,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 5,663 |
| Cost of funding earning assets | 1.0785% | 5,267 |
| Net interest margin | 3.6590% | 4,537 |
| Noninterest income to average assets | 0.8235% | 2,173 |
| Noninterest expense to average assets | 3.3117% | 2,702 |
| Loan and lease loss provision to assets | 0.1695% | 5,527 |
| Net operating income to assets | 0.8235% | 2,700 |
| Return on assets (ROA) | 0.8433% | 2,754 |
| Pretax return on assets | 0.8433% | 3,488 |
| Return on Equity (ROE) | 5.4147% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.5165% | 4,113 |
| Net charge-offs to loans | 0.1906% | 5,159 |
| Credit loss provision to net charge-offs | 275.0000% | 990 |
| Earnings coverage of net charge-offs (x) | 16.1071% | 1,236 |
| Efficiency ratio | 76.9309% | 2,886 |
| Assets per employee ($millions) | 2.2542% | 7,254 |
| Cash dividends to net income (ytd only)* | 53.5248% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,850 |
| Loan loss allowance to noncurrent loans | 369.1176% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,853 |
| Noncurrent loans to loans | 0.4887% | 6,062 |
| Net loans and leases to total assets | 30.3057% | 7,342 |
| Net loans and leases to deposits | 35.7193% | 7,351 |
| Net loans and leases to core deposits | 36.5389% | 7,380 |
| Total domestic deposits to total assets | 84.8438% | 3,930 |
| Equity capital to assets | 15.0630% | 769 |
| Core capital (leverage) ratio | 13.7484% | 913 |
| Tier 1 risk-based capital ratio | 31.5546% | 446 |
| Total risk-based capital ratio | 32.8314% | 435 |
| Memoranda: | ||
| Average total assets | $45,414,800 | 6,683 |
| Average earning assets | $43,208,600 | 6,609 |
| Average equity | $7,073,400 | 6,010 |
| Average total loans | $14,689,200 | 7,177 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 5,716 |
| Cost of funding earning assets | 1.1091% | 5,374 |
| Net interest margin | 3.6785% | 4,510 |
| Noninterest income to average assets | 0.8469% | 2,012 |
| Noninterest expense to average assets | 3.3554% | 2,417 |
| Loan and lease loss provision to assets | 0.1260% | 5,765 |
| Net operating income to assets | 0.8645% | 2,767 |
| Return on assets (ROA) | 0.8674% | 2,882 |
| Pretax return on assets | 0.8674% | 3,673 |
| Return on Equity (ROE) | 5.5244% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.6207% | 3,898 |
| Net charge-offs to loans | 0.2061% | 4,710 |
| Credit loss provision to net charge-offs | 186.9565% | 1,930 |
| Earnings coverage of net charge-offs (x) | 14.6938% | 1,490 |
| Efficiency ratio | 77.2084% | 2,740 |
| Assets per employee ($millions) | 2.3727% | 7,226 |
| Cash dividends to net income (ytd only)* | 34.4600% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,916 |
| Loan loss allowance to noncurrent loans | 164.4444% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 6,628 |
| Noncurrent loans to loans | 0.9182% | 5,408 |
| Net loans and leases to total assets | 32.1215% | 7,402 |
| Net loans and leases to deposits | 38.7711% | 7,400 |
| Net loans and leases to core deposits | 39.6816% | 7,433 |
| Total domestic deposits to total assets | 82.8490% | 4,655 |
| Equity capital to assets | 16.2548% | 630 |
| Core capital (leverage) ratio | 13.7142% | 990 |
| Tier 1 risk-based capital ratio | 31.6585% | 448 |
| Total risk-based capital ratio | 32.7886% | 442 |
| Memoranda: | ||
| Average total assets | $45,497,500 | 6,761 |
| Average earning assets | $43,278,000 | 6,687 |
| Average equity | $7,144,000 | 6,063 |
| Average total loans | $14,883,000 | 7,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 5,810 |
| Cost of funding earning assets | 1.1301% | 5,521 |
| Net interest margin | 3.6669% | 4,513 |
| Noninterest income to average assets | 0.8634% | 1,824 |
| Noninterest expense to average assets | 3.3439% | 2,418 |
| Loan and lease loss provision to assets | 0.1359% | 5,532 |
| Net operating income to assets | 0.8677% | 2,667 |
| Return on assets (ROA) | 0.8721% | 2,782 |
| Pretax return on assets | 0.8721% | 3,616 |
| Return on Equity (ROE) | 5.6193% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.1510% | 3,426 |
| Net charge-offs to loans | 0.1740% | 4,571 |
| Credit loss provision to net charge-offs | 238.4615% | 1,615 |
| Earnings coverage of net charge-offs (x) | 17.6154% | 1,332 |
| Efficiency ratio | 76.9153% | 2,908 |
| Assets per employee ($millions) | 2.2798% | 7,372 |
| Cash dividends to net income (ytd only)* | 26.1307% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,070 |
| Loan loss allowance to noncurrent loans | 113.5417% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 6,397 |
| Noncurrent loans to loans | 1.2940% | 4,796 |
| Net loans and leases to total assets | 32.0642% | 7,481 |
| Net loans and leases to deposits | 38.1823% | 7,491 |
| Net loans and leases to core deposits | 39.0544% | 7,508 |
| Total domestic deposits to total assets | 83.9767% | 4,115 |
| Equity capital to assets | 15.8654% | 694 |
| Core capital (leverage) ratio | 13.4349% | 1,080 |
| Tier 1 risk-based capital ratio | 32.9736% | 397 |
| Total risk-based capital ratio | 34.1383% | 397 |
| Memoranda: | ||
| Average total assets | $45,636,000 | 6,800 |
| Average earning assets | $43,360,330 | 6,726 |
| Average equity | $7,082,670 | 6,113 |
| Average total loans | $14,943,000 | 7,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 5,969 |
| Cost of funding earning assets | 1.1349% | 5,734 |
| Net interest margin | 3.6447% | 4,517 |
| Noninterest income to average assets | 0.8586% | 1,779 |
| Noninterest expense to average assets | 3.3205% | 2,465 |
| Loan and lease loss provision to assets | 0.1051% | 5,573 |
| Net operating income to assets | 0.8936% | 2,574 |
| Return on assets (ROA) | 0.8936% | 2,646 |
| Pretax return on assets | 0.8936% | 3,496 |
| Return on Equity (ROE) | 5.8227% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,702 |
| Net charge-offs to loans | 0.2134% | 3,639 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,444 |
| Efficiency ratio | 76.8763% | 3,079 |
| Assets per employee ($millions) | 2.2679% | 7,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,602 |
| Loan loss allowance to noncurrent loans | 105.1282% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,394 |
| Noncurrent loans to loans | 1.2973% | 4,811 |
| Net loans and leases to total assets | 32.6873% | 7,547 |
| Net loans and leases to deposits | 38.8014% | 7,554 |
| Net loans and leases to core deposits | 39.6884% | 7,585 |
| Total domestic deposits to total assets | 84.2428% | 4,023 |
| Equity capital to assets | 15.6448% | 729 |
| Core capital (leverage) ratio | 13.5950% | 1,056 |
| Tier 1 risk-based capital ratio | 33.1530% | 405 |
| Total risk-based capital ratio | 34.2622% | 404 |
| Memoranda: | ||
| Average total assets | $45,656,000 | 6,887 |
| Average earning assets | $43,350,500 | 6,804 |
| Average equity | $7,007,000 | 6,186 |
| Average total loans | $14,995,500 | 7,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 5,963 |
| Cost of funding earning assets | 1.3745% | 6,040 |
| Net interest margin | 3.7543% | 3,893 |
| Noninterest income to average assets | 0.8682% | 2,086 |
| Noninterest expense to average assets | 3.3277% | 2,918 |
| Loan and lease loss provision to assets | 0.0909% | 6,693 |
| Net operating income to assets | 1.0154% | 1,787 |
| Return on assets (ROA) | 1.1367% | 1,447 |
| Pretax return on assets | 1.1367% | 2,136 |
| Return on Equity (ROE) | 8.0601% | 2,342 |
| Retained earnings to average equity (ytd only) | 4.6365% | 2,011 |
| Net charge-offs to loans | 0.1259% | 5,936 |
| Credit loss provision to net charge-offs | 221.0526% | 1,709 |
| Earnings coverage of net charge-offs (x) | 26.8947% | 840 |
| Efficiency ratio | 75.0488% | 3,704 |
| Assets per employee ($millions) | 2.2978% | 7,473 |
| Cash dividends to net income (ytd only)* | 42.4762% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,516 |
| Loan loss allowance to noncurrent loans | 109.2391% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 6,456 |
| Noncurrent loans to loans | 1.2299% | 4,891 |
| Net loans and leases to total assets | 32.1162% | 7,653 |
| Net loans and leases to deposits | 38.7203% | 7,658 |
| Net loans and leases to core deposits | 55.4620% | 7,421 |
| Total domestic deposits to total assets | 82.9442% | 4,542 |
| Equity capital to assets | 15.0539% | 896 |
| Core capital (leverage) ratio | 13.3302% | 1,149 |
| Tier 1 risk-based capital ratio | 31.8766% | 447 |
| Total risk-based capital ratio | 32.9401% | 442 |
| Memoranda: | ||
| Average total assets | $46,187,400 | 6,864 |
| Average earning assets | $43,870,000 | 6,768 |
| Average equity | $6,513,600 | 6,420 |
| Average total loans | $15,092,600 | 7,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 5,980 |
| Cost of funding earning assets | 1.4175% | 6,158 |
| Net interest margin | 3.7589% | 3,822 |
| Noninterest income to average assets | 0.8649% | 2,126 |
| Noninterest expense to average assets | 3.2867% | 2,966 |
| Loan and lease loss provision to assets | 0.0951% | 6,415 |
| Net operating income to assets | 1.0610% | 1,862 |
| Return on assets (ROA) | 1.0985% | 1,793 |
| Pretax return on assets | 1.0985% | 2,579 |
| Return on Equity (ROE) | 7.9219% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.6555% | 2,125 |
| Net charge-offs to loans | 0.1146% | 5,534 |
| Credit loss provision to net charge-offs | 253.8462% | 1,688 |
| Earnings coverage of net charge-offs (x) | 30.8511% | 921 |
| Efficiency ratio | 73.9779% | 3,864 |
| Assets per employee ($millions) | 2.2527% | 7,559 |
| Cash dividends to net income (ytd only)* | 28.6088% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 4,455 |
| Loan loss allowance to noncurrent loans | 91.2844% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 6,256 |
| Noncurrent loans to loans | 1.4327% | 4,523 |
| Net loans and leases to total assets | 33.3311% | 7,707 |
| Net loans and leases to deposits | 39.9250% | 7,734 |
| Net loans and leases to core deposits | 58.3456% | 7,452 |
| Total domestic deposits to total assets | 83.4843% | 3,971 |
| Equity capital to assets | 15.3482% | 918 |
| Core capital (leverage) ratio | 13.3510% | 1,279 |
| Tier 1 risk-based capital ratio | 31.7112% | 482 |
| Total risk-based capital ratio | 32.7638% | 478 |
| Memoranda: | ||
| Average total assets | $46,245,500 | 6,911 |
| Average earning assets | $44,018,750 | 6,817 |
| Average equity | $6,412,500 | 6,518 |
| Average total loans | $15,125,750 | 7,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 6,234 |
| Cost of funding earning assets | 1.4633% | 6,284 |
| Net interest margin | 3.6945% | 3,968 |
| Noninterest income to average assets | 0.8233% | 2,301 |
| Noninterest expense to average assets | 3.2374% | 3,202 |
| Loan and lease loss provision to assets | 0.1029% | 6,142 |
| Net operating income to assets | 0.9905% | 2,142 |
| Return on assets (ROA) | 1.0463% | 2,024 |
| Pretax return on assets | 1.0463% | 2,823 |
| Return on Equity (ROE) | 7.8143% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.1169% | 1,963 |
| Net charge-offs to loans | 0.0927% | 5,256 |
| Credit loss provision to net charge-offs | 342.8571% | 1,349 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 868 |
| Efficiency ratio | 74.7525% | 3,915 |
| Assets per employee ($millions) | 2.3837% | 7,455 |
| Cash dividends to net income (ytd only)* | 21.7213% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,086 |
| Loan loss allowance to noncurrent loans | 58.5586% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 5,581 |
| Noncurrent loans to loans | 2.2758% | 3,165 |
| Net loans and leases to total assets | 31.8761% | 7,846 |
| Net loans and leases to deposits | 37.9272% | 7,864 |
| Net loans and leases to core deposits | 53.3163% | 7,676 |
| Total domestic deposits to total assets | 84.0454% | 3,742 |
| Equity capital to assets | 13.8548% | 1,364 |
| Core capital (leverage) ratio | 12.8169% | 1,493 |
| Tier 1 risk-based capital ratio | 31.6632% | 509 |
| Total risk-based capital ratio | 32.7070% | 510 |
| Memoranda: | ||
| Average total assets | $46,642,670 | 6,954 |
| Average earning assets | $44,282,000 | 6,871 |
| Average equity | $6,245,000 | 6,623 |
| Average total loans | $15,095,670 | 7,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 6,831 |
| Cost of funding earning assets | 1.4883% | 6,439 |
| Net interest margin | 3.5523% | 4,517 |
| Noninterest income to average assets | 0.8369% | 2,143 |
| Noninterest expense to average assets | 3.1446% | 3,212 |
| Loan and lease loss provision to assets | 0.1099% | 5,560 |
| Net operating income to assets | 0.9721% | 2,432 |
| Return on assets (ROA) | 0.9721% | 2,555 |
| Pretax return on assets | 0.9721% | 3,456 |
| Return on Equity (ROE) | 7.3836% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.3836% | 2,061 |
| Net charge-offs to loans | 0.1827% | 3,536 |
| Credit loss provision to net charge-offs | 185.7143% | 2,357 |
| Earnings coverage of net charge-offs (x) | 18.2857% | 1,469 |
| Efficiency ratio | 74.4000% | 3,752 |
| Assets per employee ($millions) | 2.6247% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 4,643 |
| Loan loss allowance to noncurrent loans | 90.6404% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 6,219 |
| Noncurrent loans to loans | 1.3491% | 4,289 |
| Net loans and leases to total assets | 31.4601% | 7,880 |
| Net loans and leases to deposits | 36.6463% | 7,929 |
| Net loans and leases to core deposits | 50.2910% | 7,782 |
| Total domestic deposits to total assets | 85.8479% | 2,794 |
| Equity capital to assets | 13.3985% | 1,574 |
| Core capital (leverage) ratio | 12.5129% | 1,683 |
| Tier 1 risk-based capital ratio | 30.7814% | 591 |
| Total risk-based capital ratio | 31.7516% | 587 |
| Memoranda: | ||
| Average total assets | $47,318,500 | 6,968 |
| Average earning assets | $45,153,500 | 6,875 |
| Average equity | $6,230,000 | 6,678 |
| Average total loans | $15,327,500 | 7,619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 6,860 |
| Cost of funding earning assets | 2.1076% | 6,016 |
| Net interest margin | 3.5636% | 5,046 |
| Noninterest income to average assets | 1.1483% | 1,168 |
| Noninterest expense to average assets | 3.3536% | 2,814 |
| Loan and lease loss provision to assets | 0.1301% | 5,704 |
| Net operating income to assets | 1.0227% | 2,462 |
| Return on assets (ROA) | 1.0227% | 2,345 |
| Pretax return on assets | 1.0227% | 3,298 |
| Return on Equity (ROE) | 7.7875% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.3887% | 1,817 |
| Net charge-offs to loans | 0.4592% | 2,534 |
| Credit loss provision to net charge-offs | 78.0822% | 5,939 |
| Earnings coverage of net charge-offs (x) | 6.9178% | 3,239 |
| Efficiency ratio | 74.4174% | 3,502 |
| Assets per employee ($millions) | 2.6329% | 6,930 |
| Cash dividends to net income (ytd only)* | 30.8036% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,989 |
| Loan loss allowance to noncurrent loans | 68.7259% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 5,540 |
| Noncurrent loans to loans | 1.6594% | 3,282 |
| Net loans and leases to total assets | 32.5576% | 7,928 |
| Net loans and leases to deposits | 37.4487% | 7,988 |
| Net loans and leases to core deposits | 49.1339% | 7,905 |
| Total domestic deposits to total assets | 86.9390% | 1,963 |
| Equity capital to assets | 12.9344% | 1,815 |
| Core capital (leverage) ratio | 12.4885% | 1,757 |
| Tier 1 risk-based capital ratio | 27.0894% | 823 |
| Total risk-based capital ratio | 27.9319% | 831 |
| Memoranda: | ||
| Average total assets | $43,803,600 | 7,035 |
| Average earning assets | $41,278,400 | 6,981 |
| Average equity | $5,752,800 | 6,899 |
| Average total loans | $15,896,200 | 7,599 |