Home > First National Bank of Chillicothe > Performance and Condition Ratios
First National Bank of Chillicothe, 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 | 3.8340% | 4,395 |
| Cost of funding earning assets | 0.5300% | 2,537 |
| Net interest margin | 3.3040% | 4,569 |
| Noninterest income to average assets | 0.2119% | 5,686 |
| Noninterest expense to average assets | 2.1760% | 5,470 |
| Loan and lease loss provision to assets | 0.0605% | 3,060 |
| Net operating income to assets | 1.1153% | 1,877 |
| Return on assets (ROA) | 1.2651% | 1,467 |
| Pretax return on assets | 1.2772% | 2,344 |
| Return on Equity (ROE) | 13.3774% | 1,077 |
| Retained earnings to average equity (ytd only) | 8.0969% | 1,291 |
| Net charge-offs to loans | 0.0663% | 3,041 |
| Credit loss provision to net charge-offs | 133.3333% | 1,583 |
| Earnings coverage of net charge-offs (x) | 26.1333% | 1,384 |
| Efficiency ratio | 64.7165% | 4,582 |
| Assets per employee ($millions) | 5.4872% | 1,702 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3737% | 6,501 |
| Loan loss allowance to noncurrent loans | 145.7627% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 3,748 |
| Noncurrent loans to loans | 0.2564% | 5,244 |
| Net loans and leases to total assets | 69.6367% | 2,136 |
| Net loans and leases to deposits | 77.5487% | 2,857 |
| Net loans and leases to core deposits | 80.9623% | 3,102 |
| Total domestic deposits to total assets | 89.7974% | 907 |
| Equity capital to assets | 10.0355% | 4,056 |
| Core capital (leverage) ratio | 10.8963% | 2,535 |
| Tier 1 risk-based capital ratio | 17.9562% | 2,262 |
| Total risk-based capital ratio | 18.3914% | 2,528 |
| Memoranda: | ||
| Average total assets | $66,083,330 | 5,503 |
| Average earning assets | $63,014,330 | 5,422 |
| Average equity | $6,249,330 | 5,666 |
| Average total loans | $45,217,330 | 5,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 4,227 |
| Cost of funding earning assets | 0.5486% | 2,431 |
| Net interest margin | 3.3168% | 4,467 |
| Noninterest income to average assets | 0.1994% | 5,761 |
| Noninterest expense to average assets | 2.1752% | 5,526 |
| Loan and lease loss provision to assets | 0.0181% | 3,595 |
| Net operating income to assets | 1.1661% | 1,576 |
| Return on assets (ROA) | 1.4622% | 904 |
| Pretax return on assets | 1.4864% | 1,466 |
| Return on Equity (ROE) | 15.9473% | 644 |
| Retained earnings to average equity (ytd only) | 5.0741% | 3,078 |
| Net charge-offs to loans | -0.0089% | 5,011 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4007% | 4,800 |
| Assets per employee ($millions) | 5.4513% | 1,749 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 6,573 |
| Loan loss allowance to noncurrent loans | 244.2857% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 4,105 |
| Noncurrent loans to loans | 0.1553% | 5,615 |
| Net loans and leases to total assets | 68.6514% | 2,120 |
| Net loans and leases to deposits | 76.2552% | 2,788 |
| Net loans and leases to core deposits | 80.0517% | 2,956 |
| Total domestic deposits to total assets | 90.0284% | 1,062 |
| Equity capital to assets | 9.5007% | 4,499 |
| Core capital (leverage) ratio | 10.4492% | 2,992 |
| Tier 1 risk-based capital ratio | 17.8318% | 2,361 |
| Total risk-based capital ratio | 18.2728% | 2,630 |
| Memoranda: | ||
| Average total assets | $66,202,000 | 5,562 |
| Average earning assets | $63,435,000 | 5,458 |
| Average equity | $6,070,000 | 5,730 |
| Average total loans | $44,813,500 | 5,128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 4,659 |
| Cost of funding earning assets | 0.6837% | 1,930 |
| Net interest margin | 3.1566% | 5,136 |
| Noninterest income to average assets | 0.2059% | 5,851 |
| Noninterest expense to average assets | 2.3906% | 5,099 |
| Loan and lease loss provision to assets | 0.0433% | 4,259 |
| Net operating income to assets | 0.7332% | 3,645 |
| Return on assets (ROA) | 0.9267% | 2,738 |
| Pretax return on assets | 0.9372% | 3,609 |
| Return on Equity (ROE) | 9.2526% | 2,433 |
| Retained earnings to average equity (ytd only) | -2.6670% | 6,239 |
| Net charge-offs to loans | 0.0566% | 4,434 |
| Credit loss provision to net charge-offs | 120.8333% | 1,974 |
| Earnings coverage of net charge-offs (x) | 21.9167% | 1,473 |
| Efficiency ratio | 75.2820% | 2,902 |
| Assets per employee ($millions) | 5.1529% | 2,009 |
| Cash dividends to net income (ytd only)* | 128.8245% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 6,654 |
| Loan loss allowance to noncurrent loans | 363.0435% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 4,382 |
| Noncurrent loans to loans | 0.1033% | 5,902 |
| Net loans and leases to total assets | 66.2507% | 2,658 |
| Net loans and leases to deposits | 74.5694% | 3,181 |
| Net loans and leases to core deposits | 78.3794% | 3,313 |
| Total domestic deposits to total assets | 88.8443% | 1,728 |
| Equity capital to assets | 8.8449% | 5,205 |
| Core capital (leverage) ratio | 9.8439% | 3,787 |
| Tier 1 risk-based capital ratio | 17.1085% | 2,562 |
| Total risk-based capital ratio | 17.5269% | 2,926 |
| Memoranda: | ||
| Average total assets | $67,011,200 | 5,566 |
| Average earning assets | $63,042,600 | 5,505 |
| Average equity | $6,711,600 | 5,643 |
| Average total loans | $42,369,600 | 5,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 4,917 |
| Cost of funding earning assets | 0.7164% | 1,840 |
| Net interest margin | 3.0675% | 5,408 |
| Noninterest income to average assets | 0.1870% | 6,075 |
| Noninterest expense to average assets | 2.4292% | 4,934 |
| Loan and lease loss provision to assets | 0.0517% | 3,989 |
| Net operating income to assets | 0.5710% | 4,470 |
| Return on assets (ROA) | 0.7660% | 3,659 |
| Pretax return on assets | 0.7739% | 4,403 |
| Return on Equity (ROE) | 7.4305% | 3,419 |
| Retained earnings to average equity (ytd only) | -8.0096% | 6,595 |
| Net charge-offs to loans | 0.0383% | 4,381 |
| Credit loss provision to net charge-offs | 216.6667% | 1,119 |
| Earnings coverage of net charge-offs (x) | 26.3325% | 1,352 |
| Efficiency ratio | 79.4405% | 2,191 |
| Assets per employee ($millions) | 4.9669% | 2,208 |
| Cash dividends to net income (ytd only)* | 207.7924% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3929% | 6,726 |
| Loan loss allowance to noncurrent loans | 117.3333% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 4,033 |
| Noncurrent loans to loans | 0.3348% | 5,386 |
| Net loans and leases to total assets | 64.1687% | 2,977 |
| Net loans and leases to deposits | 73.5034% | 3,314 |
| Net loans and leases to core deposits | 77.5775% | 3,411 |
| Total domestic deposits to total assets | 87.3003% | 2,506 |
| Equity capital to assets | 8.5063% | 5,732 |
| Core capital (leverage) ratio | 9.5084% | 4,393 |
| Tier 1 risk-based capital ratio | 16.0818% | 3,147 |
| Total risk-based capital ratio | 16.5110% | 3,541 |
| Memoranda: | ||
| Average total assets | $67,017,000 | 5,625 |
| Average earning assets | $62,719,500 | 5,574 |
| Average equity | $6,908,250 | 5,664 |
| Average total loans | $41,825,250 | 5,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 5,064 |
| Cost of funding earning assets | 0.7526% | 1,690 |
| Net interest margin | 2.9748% | 5,631 |
| Noninterest income to average assets | 0.2388% | 5,740 |
| Noninterest expense to average assets | 2.4601% | 4,870 |
| Loan and lease loss provision to assets | 0.0695% | 3,645 |
| Net operating income to assets | 0.4747% | 4,906 |
| Return on assets (ROA) | 0.7948% | 3,479 |
| Pretax return on assets | 0.8039% | 4,303 |
| Return on Equity (ROE) | 7.2659% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.2659% | 1,762 |
| Net charge-offs to loans | 0.0637% | 3,791 |
| Credit loss provision to net charge-offs | 176.9231% | 1,344 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,857 |
| Efficiency ratio | 81.7269% | 1,922 |
| Assets per employee ($millions) | 4.8504% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 6,772 |
| Loan loss allowance to noncurrent loans | 193.2584% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 4,228 |
| Noncurrent loans to loans | 0.2083% | 5,788 |
| Net loans and leases to total assets | 62.6611% | 3,162 |
| Net loans and leases to deposits | 70.6705% | 3,631 |
| Net loans and leases to core deposits | 74.9568% | 3,677 |
| Total domestic deposits to total assets | 88.6665% | 1,798 |
| Equity capital to assets | 10.3512% | 3,491 |
| Core capital (leverage) ratio | 10.7693% | 2,599 |
| Tier 1 risk-based capital ratio | 18.5525% | 2,123 |
| Total risk-based capital ratio | 18.9912% | 2,389 |
| Memoranda: | ||
| Average total assets | $66,177,000 | 5,686 |
| Average earning assets | $61,651,330 | 5,647 |
| Average equity | $7,239,330 | 5,618 |
| Average total loans | $40,834,670 | 5,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 5,136 |
| Cost of funding earning assets | 0.7692% | 1,712 |
| Net interest margin | 2.9377% | 5,732 |
| Noninterest income to average assets | 0.2388% | 5,753 |
| Noninterest expense to average assets | 2.5294% | 4,659 |
| Loan and lease loss provision to assets | 0.1164% | 2,780 |
| Net operating income to assets | 0.3062% | 5,549 |
| Return on assets (ROA) | 0.3062% | 5,672 |
| Pretax return on assets | 0.3062% | 5,835 |
| Return on Equity (ROE) | 2.7231% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.7231% | 4,652 |
| Net charge-offs to loans | 0.1504% | 2,500 |
| Credit loss provision to net charge-offs | 126.6667% | 1,538 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,518 |
| Efficiency ratio | 85.6846% | 1,552 |
| Assets per employee ($millions) | 4.7579% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 6,843 |
| Loan loss allowance to noncurrent loans | 386.0465% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 4,507 |
| Noncurrent loans to loans | 0.1068% | 6,162 |
| Net loans and leases to total assets | 60.1862% | 3,395 |
| Net loans and leases to deposits | 67.9803% | 3,779 |
| Net loans and leases to core deposits | 72.5204% | 3,760 |
| Total domestic deposits to total assets | 88.5348% | 1,979 |
| Equity capital to assets | 11.2265% | 2,709 |
| Core capital (leverage) ratio | 11.0748% | 2,199 |
| Tier 1 risk-based capital ratio | 18.8972% | 2,071 |
| Total risk-based capital ratio | 19.3405% | 2,292 |
| Memoranda: | ||
| Average total assets | $65,313,000 | 5,761 |
| Average earning assets | $60,318,500 | 5,741 |
| Average equity | $7,344,500 | 5,652 |
| Average total loans | $39,891,000 | 5,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,979 |
| Cost of funding earning assets | 1.0616% | 1,067 |
| Net interest margin | 3.0293% | 5,981 |
| Noninterest income to average assets | 0.0299% | 6,752 |
| Noninterest expense to average assets | 2.4697% | 5,192 |
| Loan and lease loss provision to assets | 0.0224% | 5,613 |
| Net operating income to assets | 0.3351% | 5,349 |
| Return on assets (ROA) | 0.2693% | 5,791 |
| Pretax return on assets | 0.2678% | 5,883 |
| Return on Equity (ROE) | 2.5222% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.1719% | 4,704 |
| Net charge-offs to loans | 0.0394% | 5,367 |
| Credit loss provision to net charge-offs | 93.7500% | 3,324 |
| Earnings coverage of net charge-offs (x) | 14.8750% | 1,698 |
| Efficiency ratio | 87.4007% | 1,294 |
| Assets per employee ($millions) | 4.9243% | 2,325 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 6,889 |
| Loan loss allowance to noncurrent loans | 184.0909% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 4,360 |
| Noncurrent loans to loans | 0.2226% | 5,921 |
| Net loans and leases to total assets | 61.4909% | 3,337 |
| Net loans and leases to deposits | 69.4790% | 3,770 |
| Net loans and leases to core deposits | 74.3432% | 3,737 |
| Total domestic deposits to total assets | 88.5029% | 1,900 |
| Equity capital to assets | 11.2644% | 2,670 |
| Core capital (leverage) ratio | 10.7480% | 2,497 |
| Tier 1 risk-based capital ratio | 19.3445% | 1,855 |
| Total risk-based capital ratio | 19.7903% | 2,060 |
| Memoranda: | ||
| Average total assets | $66,850,200 | 5,717 |
| Average earning assets | $61,697,000 | 5,682 |
| Average equity | $7,136,600 | 5,722 |
| Average total loans | $40,623,000 | 5,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 5,072 |
| Cost of funding earning assets | 1.1210% | 980 |
| Net interest margin | 3.0115% | 6,149 |
| Noninterest income to average assets | 0.0789% | 6,695 |
| Noninterest expense to average assets | 2.4373% | 5,283 |
| Loan and lease loss provision to assets | 0.0197% | 5,554 |
| Net operating income to assets | 0.3967% | 5,264 |
| Return on assets (ROA) | 0.3138% | 5,767 |
| Pretax return on assets | 0.3118% | 5,933 |
| Return on Equity (ROE) | 2.9782% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.9782% | 4,770 |
| Net charge-offs to loans | 0.0261% | 5,303 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 26.2409% | 1,219 |
| Efficiency ratio | 85.4671% | 1,435 |
| Assets per employee ($millions) | 4.8172% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 7,001 |
| Loan loss allowance to noncurrent loans | 40.2439% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 3,495 |
| Noncurrent loans to loans | 1.0275% | 4,397 |
| Net loans and leases to total assets | 58.9226% | 3,970 |
| Net loans and leases to deposits | 66.1154% | 4,458 |
| Net loans and leases to core deposits | 70.4699% | 4,441 |
| Total domestic deposits to total assets | 89.1209% | 1,363 |
| Equity capital to assets | 10.7042% | 3,602 |
| Core capital (leverage) ratio | 10.5387% | 2,872 |
| Tier 1 risk-based capital ratio | 18.8892% | 2,043 |
| Total risk-based capital ratio | 19.3322% | 2,279 |
| Memoranda: | ||
| Average total assets | $67,558,750 | 5,758 |
| Average earning assets | $62,205,500 | 5,734 |
| Average equity | $7,118,000 | 5,795 |
| Average total loans | $40,897,250 | 5,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 4,904 |
| Cost of funding earning assets | 1.1768% | 906 |
| Net interest margin | 3.0353% | 6,162 |
| Noninterest income to average assets | 0.1154% | 6,613 |
| Noninterest expense to average assets | 2.4143% | 5,405 |
| Loan and lease loss provision to assets | 0.0207% | 5,406 |
| Net operating income to assets | 0.4763% | 4,929 |
| Return on assets (ROA) | 0.3432% | 5,677 |
| Pretax return on assets | 0.3402% | 5,861 |
| Return on Equity (ROE) | 3.2748% | 5,575 |
| Retained earnings to average equity (ytd only) | 3.2748% | 4,432 |
| Net charge-offs to loans | 0.0437% | 4,767 |
| Credit loss provision to net charge-offs | 77.7778% | 3,379 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,478 |
| Efficiency ratio | 83.0112% | 1,746 |
| Assets per employee ($millions) | 4.7388% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4001% | 7,081 |
| Loan loss allowance to noncurrent loans | 38.8350% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5465% | 3,381 |
| Noncurrent loans to loans | 1.0302% | 4,447 |
| Net loans and leases to total assets | 60.0395% | 3,811 |
| Net loans and leases to deposits | 67.4913% | 4,288 |
| Net loans and leases to core deposits | 72.0094% | 4,295 |
| Total domestic deposits to total assets | 88.9589% | 1,533 |
| Equity capital to assets | 10.8557% | 3,284 |
| Core capital (leverage) ratio | 10.4142% | 2,905 |
| Tier 1 risk-based capital ratio | 18.5494% | 2,117 |
| Total risk-based capital ratio | 18.9742% | 2,355 |
| Memoranda: | ||
| Average total assets | $67,598,000 | 5,792 |
| Average earning assets | $62,202,330 | 5,758 |
| Average equity | $7,084,330 | 5,825 |
| Average total loans | $41,228,670 | 5,542 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 4,775 |
| Cost of funding earning assets | 1.2690% | 723 |
| Net interest margin | 3.0226% | 6,247 |
| Noninterest income to average assets | 0.1231% | 6,639 |
| Noninterest expense to average assets | 2.3217% | 5,711 |
| Loan and lease loss provision to assets | 0.0176% | 5,110 |
| Net operating income to assets | 0.5628% | 4,530 |
| Return on assets (ROA) | 0.2814% | 5,881 |
| Pretax return on assets | 0.2814% | 6,015 |
| Return on Equity (ROE) | 2.7329% | 5,815 |
| Retained earnings to average equity (ytd only) | 2.7329% | 4,891 |
| Net charge-offs to loans | 0.0669% | 3,819 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,488 |
| Efficiency ratio | 80.0000% | 2,204 |
| Assets per employee ($millions) | 4.5178% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 7,141 |
| Loan loss allowance to noncurrent loans | 61.1538% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 3,763 |
| Noncurrent loans to loans | 0.6295% | 5,384 |
| Net loans and leases to total assets | 60.7124% | 3,509 |
| Net loans and leases to deposits | 67.8838% | 4,082 |
| Net loans and leases to core deposits | 71.9082% | 4,165 |
| Total domestic deposits to total assets | 89.4359% | 1,407 |
| Equity capital to assets | 10.3930% | 3,624 |
| Core capital (leverage) ratio | 10.1721% | 3,145 |
| Tier 1 risk-based capital ratio | 17.6862% | 2,410 |
| Total risk-based capital ratio | 18.0928% | 2,697 |
| Memoranda: | ||
| Average total assets | $68,225,500 | 5,821 |
| Average earning assets | $62,727,500 | 5,786 |
| Average equity | $7,025,500 | 5,866 |
| Average total loans | $41,847,000 | 5,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 4,680 |
| Cost of funding earning assets | 1.5280% | 642 |
| Net interest margin | 3.0720% | 6,403 |
| Noninterest income to average assets | 0.2025% | 6,054 |
| Noninterest expense to average assets | 2.3113% | 6,012 |
| Loan and lease loss provision to assets | 0.0455% | 6,009 |
| Net operating income to assets | 0.6618% | 3,684 |
| Return on assets (ROA) | 0.3595% | 5,198 |
| Pretax return on assets | 0.3493% | 5,427 |
| Return on Equity (ROE) | 3.5862% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.2202% | 3,926 |
| Net charge-offs to loans | 0.0913% | 5,426 |
| Credit loss provision to net charge-offs | 79.4872% | 4,478 |
| Earnings coverage of net charge-offs (x) | 12.1795% | 1,645 |
| Efficiency ratio | 76.8293% | 2,769 |
| Assets per employee ($millions) | 4.5789% | 2,785 |
| Cash dividends to net income (ytd only)* | 10.2041% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 7,173 |
| Loan loss allowance to noncurrent loans | 45.6583% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 3,950 |
| Noncurrent loans to loans | 0.8421% | 5,005 |
| Net loans and leases to total assets | 61.4830% | 3,697 |
| Net loans and leases to deposits | 68.6338% | 4,343 |
| Net loans and leases to core deposits | 73.4366% | 4,312 |
| Total domestic deposits to total assets | 89.5813% | 1,214 |
| Equity capital to assets | 10.2032% | 3,901 |
| Core capital (leverage) ratio | 9.9662% | 3,382 |
| Tier 1 risk-based capital ratio | 17.1170% | 2,545 |
| Total risk-based capital ratio | 17.5233% | 2,886 |
| Memoranda: | ||
| Average total assets | $68,142,600 | 5,807 |
| Average earning assets | $62,239,800 | 5,797 |
| Average equity | $6,831,800 | 5,916 |
| Average total loans | $42,716,800 | 5,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 4,653 |
| Cost of funding earning assets | 1.5591% | 695 |
| Net interest margin | 3.0967% | 6,388 |
| Noninterest income to average assets | 0.2235% | 6,017 |
| Noninterest expense to average assets | 2.2958% | 6,050 |
| Loan and lease loss provision to assets | 0.0549% | 5,760 |
| Net operating income to assets | 0.7156% | 3,530 |
| Return on assets (ROA) | 0.3117% | 5,528 |
| Pretax return on assets | 0.2960% | 5,710 |
| Return on Equity (ROE) | 3.1231% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.6321% | 4,786 |
| Net charge-offs to loans | 0.1308% | 4,740 |
| Credit loss provision to net charge-offs | 66.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 9.1664% | 2,089 |
| Efficiency ratio | 75.2571% | 2,964 |
| Assets per employee ($millions) | 4.5794% | 2,793 |
| Cash dividends to net income (ytd only)* | 15.7224% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3724% | 7,248 |
| Loan loss allowance to noncurrent loans | 47.4320% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 4,099 |
| Noncurrent loans to loans | 0.7852% | 5,310 |
| Net loans and leases to total assets | 61.1419% | 3,916 |
| Net loans and leases to deposits | 68.1570% | 4,578 |
| Net loans and leases to core deposits | 71.9642% | 4,718 |
| Total domestic deposits to total assets | 89.7075% | 1,035 |
| Equity capital to assets | 10.1614% | 4,142 |
| Core capital (leverage) ratio | 9.9199% | 3,547 |
| Tier 1 risk-based capital ratio | 16.7945% | 2,725 |
| Total risk-based capital ratio | 17.1831% | 3,106 |
| Memoranda: | ||
| Average total assets | $68,007,250 | 5,840 |
| Average earning assets | $62,086,000 | 5,838 |
| Average equity | $6,787,750 | 5,969 |
| Average total loans | $42,798,000 | 5,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 4,630 |
| Cost of funding earning assets | 1.5693% | 792 |
| Net interest margin | 3.1095% | 6,389 |
| Noninterest income to average assets | 0.4043% | 4,645 |
| Noninterest expense to average assets | 2.5140% | 5,476 |
| Loan and lease loss provision to assets | 0.0649% | 5,494 |
| Net operating income to assets | 0.6875% | 3,610 |
| Return on assets (ROA) | 0.0797% | 6,140 |
| Pretax return on assets | 0.0531% | 6,179 |
| Return on Equity (ROE) | 0.8031% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.8031% | 5,538 |
| Net charge-offs to loans | 0.1953% | 3,982 |
| Credit loss provision to net charge-offs | 52.3810% | 4,525 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,516 |
| Efficiency ratio | 77.5956% | 2,774 |
| Assets per employee ($millions) | 4.5601% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3586% | 7,319 |
| Loan loss allowance to noncurrent loans | 56.3433% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 3,635 |
| Noncurrent loans to loans | 0.6364% | 5,655 |
| Net loans and leases to total assets | 61.3432% | 4,019 |
| Net loans and leases to deposits | 68.1025% | 4,694 |
| Net loans and leases to core deposits | 71.5150% | 4,885 |
| Total domestic deposits to total assets | 90.0749% | 935 |
| Equity capital to assets | 9.7936% | 4,395 |
| Core capital (leverage) ratio | 10.0063% | 3,252 |
| Tier 1 risk-based capital ratio | 16.1394% | 2,906 |
| Total risk-based capital ratio | 16.5046% | 3,331 |
| Memoranda: | ||
| Average total assets | $67,779,330 | 5,893 |
| Average earning assets | $61,811,330 | 5,894 |
| Average equity | $6,723,670 | 6,012 |
| Average total loans | $43,012,000 | 5,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 4,865 |
| Cost of funding earning assets | 1.5737% | 904 |
| Net interest margin | 3.0446% | 6,472 |
| Noninterest income to average assets | 0.5158% | 3,759 |
| Noninterest expense to average assets | 2.3656% | 6,000 |
| Loan and lease loss provision to assets | 0.0534% | 5,337 |
| Net operating income to assets | 0.5891% | 4,088 |
| Return on assets (ROA) | -0.0711% | 6,447 |
| Pretax return on assets | -0.1245% | 6,468 |
| Return on Equity (ROE) | -0.7126% | 6,452 |
| Retained earnings to average equity (ytd only) | -0.7126% | 5,929 |
| Net charge-offs to loans | 0.1933% | 3,344 |
| Credit loss provision to net charge-offs | 42.8571% | 3,891 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 1,907 |
| Efficiency ratio | 71.1230% | 4,029 |
| Assets per employee ($millions) | 4.5245% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3689% | 7,363 |
| Loan loss allowance to noncurrent loans | 54.2662% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 3,479 |
| Noncurrent loans to loans | 0.6798% | 5,662 |
| Net loans and leases to total assets | 63.2772% | 3,592 |
| Net loans and leases to deposits | 70.3232% | 4,302 |
| Net loans and leases to core deposits | 73.5146% | 4,588 |
| Total domestic deposits to total assets | 89.9806% | 1,159 |
| Equity capital to assets | 9.9016% | 3,900 |
| Core capital (leverage) ratio | 10.0540% | 3,084 |
| Tier 1 risk-based capital ratio | 15.3800% | 3,221 |
| Total risk-based capital ratio | 15.7488% | 3,701 |
| Memoranda: | ||
| Average total assets | $67,468,000 | 5,948 |
| Average earning assets | $62,274,500 | 5,928 |
| Average equity | $6,736,000 | 6,013 |
| Average total loans | $43,462,500 | 5,684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 2,752 |
| Cost of funding earning assets | 1.8496% | 1,002 |
| Net interest margin | 3.5343% | 5,099 |
| Noninterest income to average assets | 0.2352% | 6,118 |
| Noninterest expense to average assets | 2.2633% | 6,448 |
| Loan and lease loss provision to assets | 0.0976% | 6,169 |
| Net operating income to assets | 1.1198% | 1,640 |
| Return on assets (ROA) | 0.6302% | 3,692 |
| Pretax return on assets | 0.6183% | 4,265 |
| Return on Equity (ROE) | 7.1964% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7741% | 1,418 |
| Net charge-offs to loans | 0.0892% | 5,951 |
| Credit loss provision to net charge-offs | 153.4884% | 2,318 |
| Earnings coverage of net charge-offs (x) | 18.9535% | 1,085 |
| Efficiency ratio | 65.2452% | 5,119 |
| Assets per employee ($millions) | 4.7906% | 2,433 |
| Cash dividends to net income (ytd only)* | 5.8685% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3902% | 7,431 |
| Loan loss allowance to noncurrent loans | 27.2293% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8653% | 3,529 |
| Noncurrent loans to loans | 1.4331% | 4,340 |
| Net loans and leases to total assets | 65.0832% | 3,648 |
| Net loans and leases to deposits | 72.5216% | 4,426 |
| Net loans and leases to core deposits | 75.8431% | 4,740 |
| Total domestic deposits to total assets | 89.7432% | 1,241 |
| Equity capital to assets | 10.0674% | 3,663 |
| Core capital (leverage) ratio | 9.8003% | 3,315 |
| Tier 1 risk-based capital ratio | 14.8300% | 3,352 |
| Total risk-based capital ratio | 15.2120% | 3,859 |
| Memoranda: | ||
| Average total assets | $67,601,000 | 5,946 |
| Average earning assets | $61,851,600 | 5,929 |
| Average equity | $5,919,600 | 6,392 |
| Average total loans | $48,226,600 | 5,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5722% | 2,169 |
| Cost of funding earning assets | 1.8833% | 1,079 |
| Net interest margin | 3.6889% | 4,462 |
| Noninterest income to average assets | 0.2224% | 6,317 |
| Noninterest expense to average assets | 2.2519% | 6,461 |
| Loan and lease loss provision to assets | 0.0650% | 6,415 |
| Net operating income to assets | 1.2755% | 1,401 |
| Return on assets (ROA) | 0.6673% | 3,722 |
| Pretax return on assets | 0.6634% | 4,374 |
| Return on Equity (ROE) | 7.9137% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.3301% | 1,682 |
| Net charge-offs to loans | 0.0405% | 6,139 |
| Credit loss provision to net charge-offs | 220.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 45.2655% | 611 |
| Efficiency ratio | 62.7537% | 5,478 |
| Assets per employee ($millions) | 4.7055% | 2,586 |
| Cash dividends to net income (ytd only)* | 7.3741% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3548% | 7,566 |
| Loan loss allowance to noncurrent loans | 16.4519% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 3,880 |
| Noncurrent loans to loans | 2.1564% | 3,503 |
| Net loans and leases to total assets | 66.0584% | 3,677 |
| Net loans and leases to deposits | 72.7758% | 4,728 |
| Net loans and leases to core deposits | 75.8788% | 5,074 |
| Total domestic deposits to total assets | 90.7697% | 527 |
| Equity capital to assets | 9.0532% | 5,501 |
| Core capital (leverage) ratio | 9.4890% | 3,922 |
| Tier 1 risk-based capital ratio | 12.9475% | 4,613 |
| Total risk-based capital ratio | 13.2756% | 5,405 |
| Memoranda: | ||
| Average total assets | $67,734,250 | 6,008 |
| Average earning assets | $61,805,500 | 5,995 |
| Average equity | $5,711,500 | 6,537 |
| Average total loans | $49,328,000 | 5,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7725% | 1,503 |
| Cost of funding earning assets | 1.9198% | 1,165 |
| Net interest margin | 3.8527% | 3,667 |
| Noninterest income to average assets | 0.2156% | 6,379 |
| Noninterest expense to average assets | 2.3329% | 6,265 |
| Loan and lease loss provision to assets | 0.0270% | 6,676 |
| Net operating income to assets | 1.3746% | 1,141 |
| Return on assets (ROA) | 0.2006% | 5,691 |
| Pretax return on assets | 0.1977% | 5,775 |
| Return on Equity (ROE) | 2.4429% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.5314% | 5,107 |
| Net charge-offs to loans | 0.0518% | 5,661 |
| Credit loss provision to net charge-offs | 69.2308% | 4,990 |
| Earnings coverage of net charge-offs (x) | 35.9231% | 802 |
| Efficiency ratio | 62.5201% | 5,610 |
| Assets per employee ($millions) | 4.4893% | 2,896 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 7,638 |
| Loan loss allowance to noncurrent loans | 14.7818% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 1.6677% | 3,934 |
| Noncurrent loans to loans | 2.3299% | 3,337 |
| Net loans and leases to total assets | 71.3301% | 2,583 |
| Net loans and leases to deposits | 78.6035% | 3,868 |
| Net loans and leases to core deposits | 82.1049% | 4,403 |
| Total domestic deposits to total assets | 90.7468% | 582 |
| Equity capital to assets | 9.0557% | 5,359 |
| Core capital (leverage) ratio | 9.4625% | 3,874 |
| Tier 1 risk-based capital ratio | 11.9586% | 5,347 |
| Total risk-based capital ratio | 12.2750% | 6,199 |
| Memoranda: | ||
| Average total assets | $66,784,670 | 6,071 |
| Average earning assets | $60,944,330 | 6,065 |
| Average equity | $5,485,330 | 6,617 |
| Average total loans | $50,173,330 | 5,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7955% | 1,476 |
| Cost of funding earning assets | 1.9533% | 1,237 |
| Net interest margin | 3.8422% | 3,615 |
| Noninterest income to average assets | 0.2105% | 6,456 |
| Noninterest expense to average assets | 2.3516% | 6,242 |
| Loan and lease loss provision to assets | 0.0361% | 6,319 |
| Net operating income to assets | 1.3893% | 1,097 |
| Return on assets (ROA) | -0.7578% | 7,014 |
| Pretax return on assets | -0.7398% | 6,917 |
| Return on Equity (ROE) | -9.7316% | 7,128 |
| Retained earnings to average equity (ytd only) | -9.7316% | 6,950 |
| Net charge-offs to loans | 0.0704% | 4,711 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 949 |
| Efficiency ratio | 61.9651% | 5,837 |
| Assets per employee ($millions) | 4.0861% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 7,737 |
| Loan loss allowance to noncurrent loans | 19.8810% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 4,605 |
| Noncurrent loans to loans | 1.6743% | 4,235 |
| Net loans and leases to total assets | 76.4814% | 1,439 |
| Net loans and leases to deposits | 84.1402% | 2,917 |
| Net loans and leases to core deposits | 87.9744% | 3,628 |
| Total domestic deposits to total assets | 90.8975% | 584 |
| Equity capital to assets | 8.8547% | 5,463 |
| Core capital (leverage) ratio | 9.0547% | 4,467 |
| Tier 1 risk-based capital ratio | 10.9208% | 6,230 |
| Total risk-based capital ratio | 11.2200% | 7,037 |
| Memoranda: | ||
| Average total assets | $66,507,500 | 6,150 |
| Average earning assets | $62,048,000 | 6,081 |
| Average equity | $5,179,000 | 6,789 |
| Average total loans | $51,160,500 | 5,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 2,246 |
| Cost of funding earning assets | 2.3891% | 1,338 |
| Net interest margin | 3.5088% | 4,916 |
| Noninterest income to average assets | 0.2290% | 6,471 |
| Noninterest expense to average assets | 2.2167% | 6,952 |
| Loan and lease loss provision to assets | 0.1038% | 6,596 |
| Net operating income to assets | 1.1982% | 1,247 |
| Return on assets (ROA) | -1.6948% | 6,962 |
| Pretax return on assets | -1.6762% | 6,801 |
| Return on Equity (ROE) | -26.0487% | 7,314 |
| Retained earnings to average equity (ytd only) | -33.4356% | 7,452 |
| Net charge-offs to loans | 0.1290% | 5,907 |
| Credit loss provision to net charge-offs | 118.1818% | 4,574 |
| Earnings coverage of net charge-offs (x) | 15.0303% | 1,333 |
| Efficiency ratio | 62.6647% | 6,027 |
| Assets per employee ($millions) | 4.2273% | 3,384 |
| Cash dividends to net income (ytd only)* | -28.3582% | 7,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3260% | 7,811 |
| Loan loss allowance to noncurrent loans | 19.0797% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 4,455 |
| Noncurrent loans to loans | 1.7085% | 4,077 |
| Net loans and leases to total assets | 76.8544% | 1,617 |
| Net loans and leases to deposits | 82.7238% | 3,499 |
| Net loans and leases to core deposits | 107.0161% | 3,216 |
| Total domestic deposits to total assets | 92.9048% | 142 |
| Equity capital to assets | 6.7552% | 7,476 |
| Core capital (leverage) ratio | 7.5988% | 6,684 |
| Tier 1 risk-based capital ratio | 8.9356% | 7,496 |
| Total risk-based capital ratio | 9.2146% | 7,667 |
| Memoranda: | ||
| Average total assets | $75,111,200 | 5,868 |
| Average earning assets | $70,821,400 | 5,786 |
| Average equity | $4,887,000 | 6,984 |
| Average total loans | $51,169,400 | 5,617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8745% | 2,560 |
| Cost of funding earning assets | 2.4422% | 1,482 |
| Net interest margin | 3.4323% | 5,140 |
| Noninterest income to average assets | 0.2321% | 6,563 |
| Noninterest expense to average assets | 2.1564% | 7,089 |
| Loan and lease loss provision to assets | 0.1212% | 6,151 |
| Net operating income to assets | 0.9339% | 2,294 |
| Return on assets (ROA) | 0.0693% | 5,601 |
| Pretax return on assets | 0.0883% | 5,548 |
| Return on Equity (ROE) | 1.0738% | 5,472 |
| Retained earnings to average equity (ytd only) | -8.6175% | 6,669 |
| Net charge-offs to loans | 0.1571% | 5,136 |
| Credit loss provision to net charge-offs | 116.6667% | 4,354 |
| Earnings coverage of net charge-offs (x) | 12.6830% | 1,734 |
| Efficiency ratio | 62.0638% | 6,089 |
| Assets per employee ($millions) | 4.4794% | 2,890 |
| Cash dividends to net income (ytd only)* | 902.5314% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3158% | 7,898 |
| Loan loss allowance to noncurrent loans | 28.1879% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,426 |
| Noncurrent loans to loans | 1.1202% | 5,073 |
| Net loans and leases to total assets | 73.9979% | 2,518 |
| Net loans and leases to deposits | 78.5832% | 4,643 |
| Net loans and leases to core deposits | 103.5799% | 3,984 |
| Total domestic deposits to total assets | 94.1650% | 51 |
| Equity capital to assets | 5.4890% | 7,920 |
| Core capital (leverage) ratio | 8.8993% | 4,814 |
| Tier 1 risk-based capital ratio | 8.0749% | 7,782 |
| Total risk-based capital ratio | 8.2779% | 7,897 |
| Memoranda: | ||
| Average total assets | $76,979,750 | 5,848 |
| Average earning assets | $72,718,750 | 5,761 |
| Average equity | $4,966,500 | 7,009 |
| Average total loans | $50,923,750 | 5,673 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9051% | 2,558 |
| Cost of funding earning assets | 2.4873% | 1,657 |
| Net interest margin | 3.4177% | 5,102 |
| Noninterest income to average assets | 0.2184% | 6,740 |
| Noninterest expense to average assets | 2.1435% | 7,183 |
| Loan and lease loss provision to assets | 0.1219% | 5,895 |
| Net operating income to assets | 1.1227% | 1,689 |
| Return on assets (ROA) | 0.3530% | 4,781 |
| Pretax return on assets | 0.3708% | 5,018 |
| Return on Equity (ROE) | 5.2347% | 3,979 |
| Retained earnings to average equity (ytd only) | -4.0296% | 6,145 |
| Net charge-offs to loans | 0.1356% | 4,811 |
| Credit loss provision to net charge-offs | 141.1765% | 3,299 |
| Earnings coverage of net charge-offs (x) | 15.0882% | 1,615 |
| Efficiency ratio | 62.1960% | 6,223 |
| Assets per employee ($millions) | 4.2879% | 3,138 |
| Cash dividends to net income (ytd only)* | 176.9784% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3350% | 7,962 |
| Loan loss allowance to noncurrent loans | 32.6376% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 5,600 |
| Noncurrent loans to loans | 1.0264% | 5,164 |
| Net loans and leases to total assets | 70.1982% | 3,649 |
| Net loans and leases to deposits | 75.3124% | 5,273 |
| Net loans and leases to core deposits | 101.7903% | 4,295 |
| Total domestic deposits to total assets | 93.2094% | 86 |
| Equity capital to assets | 5.5985% | 7,989 |
| Core capital (leverage) ratio | 8.6623% | 5,159 |
| Tier 1 risk-based capital ratio | 7.8583% | 7,927 |
| Total risk-based capital ratio | 8.0547% | 8,030 |
| Memoranda: | ||
| Average total assets | $78,749,330 | 5,843 |
| Average earning assets | $74,376,670 | 5,734 |
| Average equity | $5,310,670 | 6,960 |
| Average total loans | $50,164,000 | 5,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 2,959 |
| Cost of funding earning assets | 2.4492% | 2,107 |
| Net interest margin | 3.4166% | 5,073 |
| Noninterest income to average assets | 0.2106% | 6,785 |
| Noninterest expense to average assets | 2.2381% | 6,730 |
| Loan and lease loss provision to assets | 0.2106% | 4,339 |
| Net operating income to assets | 0.9228% | 2,604 |
| Return on assets (ROA) | 0.1518% | 5,981 |
| Pretax return on assets | 0.1665% | 6,016 |
| Return on Equity (ROE) | 2.0927% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.0927% | 4,703 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6393% | 5,571 |
| Assets per employee ($millions) | 4.3125% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3964% | 7,946 |
| Loan loss allowance to noncurrent loans | 35.2014% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 5,414 |
| Noncurrent loans to loans | 1.1262% | 4,731 |
| Net loans and leases to total assets | 61.6327% | 5,398 |
| Net loans and leases to deposits | 75.8782% | 5,243 |
| Net loans and leases to core deposits | 102.7613% | 4,261 |
| Total domestic deposits to total assets | 81.2258% | 4,880 |
| Equity capital to assets | 7.2946% | 7,497 |
| Core capital (leverage) ratio | 8.5602% | 5,412 |
| Tier 1 risk-based capital ratio | 8.7916% | 7,882 |
| Total risk-based capital ratio | 9.0438% | 8,053 |
| Memoranda: | ||
| Average total assets | $81,676,500 | 5,767 |
| Average earning assets | $77,738,500 | 5,635 |
| Average equity | $5,925,500 | 6,800 |
| Average total loans | $49,574,500 | 5,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0010% | 5,541 |
| Cost of funding earning assets | 2.9533% | 2,047 |
| Net interest margin | 3.0477% | 6,797 |
| Noninterest income to average assets | 0.2006% | 7,013 |
| Noninterest expense to average assets | 2.0081% | 7,422 |
| Loan and lease loss provision to assets | -0.0358% | 8,228 |
| Net operating income to assets | 1.1091% | 2,110 |
| Return on assets (ROA) | 1.1091% | 2,026 |
| Pretax return on assets | 1.1175% | 2,969 |
| Return on Equity (ROE) | 15.0139% | 921 |
| Retained earnings to average equity (ytd only) | 2.4888% | 3,648 |
| Net charge-offs to loans | 0.0988% | 5,331 |
| Credit loss provision to net charge-offs | -66.6667% | 7,292 |
| Earnings coverage of net charge-offs (x) | 20.1333% | 1,591 |
| Efficiency ratio | 64.9923% | 5,329 |
| Assets per employee ($millions) | 4.0708% | 3,368 |
| Cash dividends to net income (ytd only)* | 83.4230% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3261% | 8,067 |
| Loan loss allowance to noncurrent loans | 21.7033% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 4,616 |
| Noncurrent loans to loans | 1.5026% | 3,541 |
| Net loans and leases to total assets | 59.3127% | 6,012 |
| Net loans and leases to deposits | 77.0778% | 5,463 |
| Net loans and leases to core deposits | 97.2687% | 5,120 |
| Total domestic deposits to total assets | 76.9517% | 6,006 |
| Equity capital to assets | 7.2148% | 7,614 |
| Core capital (leverage) ratio | 8.3660% | 5,825 |
| Tier 1 risk-based capital ratio | 13.7163% | 3,684 |
| Total risk-based capital ratio | 14.0271% | 4,163 |
| Memoranda: | ||
| Average total assets | $83,760,600 | 5,572 |
| Average earning assets | $79,403,200 | 5,452 |
| Average equity | $6,187,600 | 6,746 |
| Average total loans | $45,559,600 | 5,901 |