Home > First National Bank of Holcomb > Performance and Condition Ratios
First National Bank of Holcomb, 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 | 4.0159% | 3,668 |
| Cost of funding earning assets | 0.2382% | 5,602 |
| Net interest margin | 3.7778% | 2,646 |
| Noninterest income to average assets | 0.2956% | 5,048 |
| Noninterest expense to average assets | 2.7852% | 3,560 |
| Loan and lease loss provision to assets | 0.1249% | 1,976 |
| Net operating income to assets | 0.9659% | 2,471 |
| Return on assets (ROA) | 1.0033% | 2,378 |
| Pretax return on assets | 0.7910% | 4,312 |
| Return on Equity (ROE) | 7.2163% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.2163% | 1,660 |
| Net charge-offs to loans | 0.0558% | 3,164 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,149 |
| Efficiency ratio | 74.6591% | 2,864 |
| Assets per employee ($millions) | 3.6252% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 6,333 |
| Loan loss allowance to noncurrent loans | 457.6923% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,905 |
| Noncurrent loans to loans | 0.1268% | 5,636 |
| Net loans and leases to total assets | 43.2597% | 5,582 |
| Net loans and leases to deposits | 52.7491% | 5,444 |
| Net loans and leases to core deposits | 54.7243% | 5,507 |
| Total domestic deposits to total assets | 82.0103% | 4,644 |
| Equity capital to assets | 14.8450% | 738 |
| Core capital (leverage) ratio | 12.9119% | 1,189 |
| Tier 1 risk-based capital ratio | 22.0497% | 1,252 |
| Total risk-based capital ratio | 22.4917% | 1,372 |
| Memoranda: | ||
| Average total assets | $48,040,330 | 5,948 |
| Average earning assets | $42,829,330 | 5,980 |
| Average equity | $6,679,330 | 5,564 |
| Average total loans | $21,522,670 | 6,014 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 2,519 |
| Cost of funding earning assets | 0.2513% | 5,569 |
| Net interest margin | 4.0487% | 1,607 |
| Noninterest income to average assets | 0.1732% | 5,933 |
| Noninterest expense to average assets | 2.8125% | 3,519 |
| Loan and lease loss provision to assets | 0.1897% | 1,253 |
| Net operating income to assets | 1.3114% | 1,187 |
| Return on assets (ROA) | 1.3114% | 1,230 |
| Pretax return on assets | 0.7588% | 4,276 |
| Return on Equity (ROE) | 9.7531% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.7531% | 1,030 |
| Net charge-offs to loans | 0.1089% | 2,090 |
| Credit loss provision to net charge-offs | 383.3333% | 670 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,386 |
| Efficiency ratio | 73.4649% | 3,232 |
| Assets per employee ($millions) | 3.4285% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5440% | 6,461 |
| Loan loss allowance to noncurrent loans | 389.6552% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 5,834 |
| Noncurrent loans to loans | 0.1396% | 5,683 |
| Net loans and leases to total assets | 43.0426% | 5,588 |
| Net loans and leases to deposits | 50.6894% | 5,542 |
| Net loans and leases to core deposits | 52.4845% | 5,589 |
| Total domestic deposits to total assets | 84.9143% | 3,914 |
| Equity capital to assets | 13.8940% | 957 |
| Core capital (leverage) ratio | 12.4096% | 1,430 |
| Tier 1 risk-based capital ratio | 21.7104% | 1,337 |
| Total risk-based capital ratio | 22.1298% | 1,471 |
| Memoranda: | ||
| Average total assets | $48,497,000 | 5,994 |
| Average earning assets | $42,977,000 | 6,026 |
| Average equity | $6,521,000 | 5,632 |
| Average total loans | $22,031,000 | 6,042 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 3,077 |
| Cost of funding earning assets | 0.3752% | 4,891 |
| Net interest margin | 3.8926% | 2,312 |
| Noninterest income to average assets | 0.3070% | 5,141 |
| Noninterest expense to average assets | 2.8267% | 3,632 |
| Loan and lease loss provision to assets | 0.1749% | 2,110 |
| Net operating income to assets | 0.6864% | 3,864 |
| Return on assets (ROA) | 0.6897% | 3,940 |
| Pretax return on assets | 0.8160% | 4,087 |
| Return on Equity (ROE) | 5.6027% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.0977% | 2,525 |
| Net charge-offs to loans | 0.0128% | 5,199 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 169.3333% | 278 |
| Efficiency ratio | 72.8986% | 3,306 |
| Assets per employee ($millions) | 3.4996% | 4,898 |
| Cash dividends to net income (ytd only)* | 9.0141% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 6,630 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 5,905 |
| Noncurrent loans to loans | 0.1288% | 5,818 |
| Net loans and leases to total assets | 47.3395% | 5,360 |
| Net loans and leases to deposits | 60.8846% | 4,844 |
| Net loans and leases to core deposits | 63.1937% | 4,949 |
| Total domestic deposits to total assets | 77.7528% | 5,858 |
| Equity capital to assets | 13.0074% | 1,267 |
| Core capital (leverage) ratio | 12.1978% | 1,497 |
| Tier 1 risk-based capital ratio | 19.8300% | 1,692 |
| Total risk-based capital ratio | 20.1610% | 1,913 |
| Memoranda: | ||
| Average total assets | $51,472,600 | 5,977 |
| Average earning assets | $46,370,600 | 5,975 |
| Average equity | $6,336,200 | 5,734 |
| Average total loans | $23,429,000 | 6,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,811 |
| Cost of funding earning assets | 0.3888% | 4,910 |
| Net interest margin | 3.9565% | 2,090 |
| Noninterest income to average assets | 0.3071% | 5,243 |
| Noninterest expense to average assets | 2.8283% | 3,565 |
| Loan and lease loss provision to assets | 0.1715% | 2,120 |
| Net operating income to assets | 0.7481% | 3,608 |
| Return on assets (ROA) | 0.7525% | 3,716 |
| Pretax return on assets | 0.8805% | 3,965 |
| Return on Equity (ROE) | 6.1955% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.5211% | 2,710 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7966% | 3,441 |
| Assets per employee ($millions) | 2.9905% | 5,867 |
| Cash dividends to net income (ytd only)* | 10.8855% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3608% | 6,746 |
| Loan loss allowance to noncurrent loans | 80.6452% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,856 |
| Noncurrent loans to loans | 0.4474% | 5,080 |
| Net loans and leases to total assets | 43.2871% | 5,791 |
| Net loans and leases to deposits | 50.4543% | 5,805 |
| Net loans and leases to core deposits | 54.6880% | 5,713 |
| Total domestic deposits to total assets | 85.7946% | 3,357 |
| Equity capital to assets | 13.2315% | 1,229 |
| Core capital (leverage) ratio | 11.8117% | 1,807 |
| Tier 1 risk-based capital ratio | 21.5897% | 1,385 |
| Total risk-based capital ratio | 21.8732% | 1,547 |
| Memoranda: | ||
| Average total assets | $52,092,000 | 6,032 |
| Average earning assets | $46,976,500 | 6,032 |
| Average equity | $6,327,000 | 5,806 |
| Average total loans | $23,464,000 | 6,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 3,518 |
| Cost of funding earning assets | 0.4085% | 4,863 |
| Net interest margin | 3.7466% | 2,774 |
| Noninterest income to average assets | 0.2654% | 5,556 |
| Noninterest expense to average assets | 2.7697% | 3,783 |
| Loan and lease loss provision to assets | 0.1682% | 2,236 |
| Net operating income to assets | 0.5801% | 4,404 |
| Return on assets (ROA) | 0.5981% | 4,477 |
| Pretax return on assets | 0.7438% | 4,527 |
| Return on Equity (ROE) | 5.0588% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.0470% | 3,724 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4637% | 3,035 |
| Assets per employee ($millions) | 3.1999% | 5,479 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2262% | 6,827 |
| Loan loss allowance to noncurrent loans | 35.5705% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 5,600 |
| Noncurrent loans to loans | 0.6358% | 4,669 |
| Net loans and leases to total assets | 45.6689% | 5,572 |
| Net loans and leases to deposits | 55.1970% | 5,421 |
| Net loans and leases to core deposits | 59.6693% | 5,290 |
| Total domestic deposits to total assets | 82.7379% | 4,805 |
| Equity capital to assets | 11.7971% | 2,052 |
| Core capital (leverage) ratio | 10.7587% | 2,608 |
| Tier 1 risk-based capital ratio | 19.1532% | 1,952 |
| Total risk-based capital ratio | 19.3353% | 2,248 |
| Memoranda: | ||
| Average total assets | $53,506,670 | 6,032 |
| Average earning assets | $48,470,000 | 6,032 |
| Average equity | $6,325,670 | 5,842 |
| Average total loans | $24,356,330 | 6,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,325 |
| Cost of funding earning assets | 0.4187% | 4,919 |
| Net interest margin | 3.7763% | 2,535 |
| Noninterest income to average assets | 0.2854% | 5,420 |
| Noninterest expense to average assets | 2.9784% | 3,061 |
| Loan and lease loss provision to assets | 0.1683% | 2,174 |
| Net operating income to assets | 0.5437% | 4,485 |
| Return on assets (ROA) | 0.5854% | 4,436 |
| Pretax return on assets | 0.6147% | 4,897 |
| Return on Equity (ROE) | 4.9471% | 4,604 |
| Retained earnings to average equity (ytd only) | 2.9682% | 4,501 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9370% | 2,471 |
| Assets per employee ($millions) | 3.2645% | 5,514 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1316% | 6,932 |
| Loan loss allowance to noncurrent loans | 20.4082% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 5,725 |
| Noncurrent loans to loans | 0.6446% | 4,835 |
| Net loans and leases to total assets | 43.6035% | 5,706 |
| Net loans and leases to deposits | 51.8722% | 5,632 |
| Net loans and leases to core deposits | 55.9129% | 5,528 |
| Total domestic deposits to total assets | 84.0596% | 4,449 |
| Equity capital to assets | 12.3430% | 1,811 |
| Core capital (leverage) ratio | 9.7300% | 3,754 |
| Tier 1 risk-based capital ratio | 18.0629% | 2,334 |
| Total risk-based capital ratio | 18.1667% | 2,768 |
| Memoranda: | ||
| Average total assets | $54,660,500 | 6,060 |
| Average earning assets | $49,678,500 | 6,058 |
| Average equity | $6,468,500 | 5,873 |
| Average total loans | $24,817,000 | 6,129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3709% | 7,065 |
| Cost of funding earning assets | 0.0365% | 7,045 |
| Net interest margin | 0.3344% | 7,063 |
| Noninterest income to average assets | 0.0198% | 6,779 |
| Noninterest expense to average assets | 0.1982% | 7,072 |
| Loan and lease loss provision to assets | 0.0144% | 5,726 |
| Net operating income to assets | 0.0883% | 6,029 |
| Return on assets (ROA) | 0.0883% | 6,172 |
| Pretax return on assets | 0.1207% | 6,122 |
| Return on Equity (ROE) | 0.6391% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.6391% | 5,542 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4595% | 5,624 |
| Assets per employee ($millions) | 3.5681% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0298% | 7,005 |
| Loan loss allowance to noncurrent loans | 11.7647% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 6,271 |
| Noncurrent loans to loans | 0.2535% | 5,846 |
| Net loans and leases to total assets | 46.9810% | 5,511 |
| Net loans and leases to deposits | 58.1523% | 5,226 |
| Net loans and leases to core deposits | 64.7241% | 4,875 |
| Total domestic deposits to total assets | 80.7896% | 5,459 |
| Equity capital to assets | 11.3682% | 2,570 |
| Core capital (leverage) ratio | 9.4692% | 4,150 |
| Tier 1 risk-based capital ratio | 15.6776% | 3,331 |
| Total risk-based capital ratio | 15.7019% | 4,019 |
| Memoranda: | ||
| Average total assets | $55,512,600 | 6,034 |
| Average earning assets | $52,029,400 | 5,981 |
| Average equity | $7,667,000 | 5,593 |
| Average total loans | $25,268,400 | 6,177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,835 |
| Cost of funding earning assets | 0.4945% | 5,471 |
| Net interest margin | 4.1969% | 1,747 |
| Noninterest income to average assets | 0.2613% | 5,697 |
| Noninterest expense to average assets | 2.9028% | 3,584 |
| Loan and lease loss provision to assets | -0.1403% | 7,065 |
| Net operating income to assets | 1.1280% | 1,995 |
| Return on assets (ROA) | 1.2845% | 1,626 |
| Pretax return on assets | 1.6643% | 1,380 |
| Return on Equity (ROE) | 8.8928% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.3997% | 4,476 |
| Net charge-offs to loans | -0.4073% | 7,083 |
| Credit loss provision to net charge-offs | 76.3158% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7285% | 3,925 |
| Assets per employee ($millions) | 3.4481% | 5,093 |
| Cash dividends to net income (ytd only)* | 61.7701% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,551 |
| Loan loss allowance to noncurrent loans | 354.3210% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 6,349 |
| Noncurrent loans to loans | 0.3221% | 5,834 |
| Net loans and leases to total assets | 45.0561% | 5,866 |
| Net loans and leases to deposits | 53.8427% | 5,821 |
| Net loans and leases to core deposits | 61.7980% | 5,382 |
| Total domestic deposits to total assets | 83.6811% | 4,365 |
| Equity capital to assets | 14.8399% | 859 |
| Core capital (leverage) ratio | 13.3857% | 1,048 |
| Tier 1 risk-based capital ratio | 25.8656% | 835 |
| Total risk-based capital ratio | 26.8495% | 845 |
| Memoranda: | ||
| Average total assets | $55,118,500 | 6,121 |
| Average earning assets | $52,037,750 | 6,052 |
| Average equity | $7,961,250 | 5,570 |
| Average total loans | $24,878,250 | 6,287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 3,057 |
| Cost of funding earning assets | 0.5115% | 5,543 |
| Net interest margin | 4.1572% | 1,877 |
| Noninterest income to average assets | 0.2904% | 5,483 |
| Noninterest expense to average assets | 2.9037% | 3,604 |
| Loan and lease loss provision to assets | -0.2105% | 7,157 |
| Net operating income to assets | 1.1633% | 1,838 |
| Return on assets (ROA) | 1.3030% | 1,586 |
| Pretax return on assets | 1.7023% | 1,249 |
| Return on Equity (ROE) | 9.1047% | 2,768 |
| Retained earnings to average equity (ytd only) | 0.7862% | 5,750 |
| Net charge-offs to loans | -0.7422% | 7,169 |
| Credit loss provision to net charge-offs | 63.0435% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9061% | 3,961 |
| Assets per employee ($millions) | 3.5339% | 4,908 |
| Cash dividends to net income (ytd only)* | 91.3649% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,286 |
| Loan loss allowance to noncurrent loans | 415.0685% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 6,468 |
| Noncurrent loans to loans | 0.2930% | 5,979 |
| Net loans and leases to total assets | 43.5315% | 6,063 |
| Net loans and leases to deposits | 51.5153% | 6,055 |
| Net loans and leases to core deposits | 58.8275% | 5,710 |
| Total domestic deposits to total assets | 84.5021% | 4,098 |
| Equity capital to assets | 14.0955% | 1,054 |
| Core capital (leverage) ratio | 13.2828% | 1,059 |
| Tier 1 risk-based capital ratio | 24.5178% | 955 |
| Total risk-based capital ratio | 25.5254% | 966 |
| Memoranda: | ||
| Average total assets | $55,101,670 | 6,161 |
| Average earning assets | $52,006,330 | 6,091 |
| Average equity | $7,886,000 | 5,606 |
| Average total loans | $24,789,670 | 6,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,814 |
| Cost of funding earning assets | 0.5236% | 5,655 |
| Net interest margin | 4.2355% | 1,653 |
| Noninterest income to average assets | 0.3016% | 5,463 |
| Noninterest expense to average assets | 3.0893% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9495% | 2,695 |
| Return on assets (ROA) | 1.1180% | 2,183 |
| Pretax return on assets | 1.4123% | 2,155 |
| Return on Equity (ROE) | 7.7511% | 3,385 |
| Retained earnings to average equity (ytd only) | -8.9750% | 6,810 |
| Net charge-offs to loans | 0.0809% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 863 |
| Efficiency ratio | 72.0412% | 3,436 |
| Assets per employee ($millions) | 3.4771% | 5,170 |
| Cash dividends to net income (ytd only)* | 215.7895% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,979 |
| Loan loss allowance to noncurrent loans | 206.2500% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,306 |
| Noncurrent loans to loans | 0.5217% | 5,623 |
| Net loans and leases to total assets | 43.6226% | 6,049 |
| Net loans and leases to deposits | 51.6087% | 6,015 |
| Net loans and leases to core deposits | 59.4916% | 5,576 |
| Total domestic deposits to total assets | 84.5256% | 4,259 |
| Equity capital to assets | 13.9142% | 1,050 |
| Core capital (leverage) ratio | 12.6937% | 1,244 |
| Tier 1 risk-based capital ratio | 24.2595% | 979 |
| Total risk-based capital ratio | 25.1532% | 1,004 |
| Memoranda: | ||
| Average total assets | $54,381,000 | 6,218 |
| Average earning assets | $51,187,000 | 6,150 |
| Average equity | $7,844,000 | 5,643 |
| Average total loans | $24,726,000 | 6,387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 1,778 |
| Cost of funding earning assets | 0.6751% | 5,686 |
| Net interest margin | 4.6022% | 923 |
| Noninterest income to average assets | 0.3075% | 5,339 |
| Noninterest expense to average assets | 2.9232% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2723% | 1,314 |
| Return on assets (ROA) | 1.5072% | 878 |
| Pretax return on assets | 2.0197% | 511 |
| Return on Equity (ROE) | 10.8520% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.8520% | 425 |
| Net charge-offs to loans | -0.0119% | 6,904 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1406% | 5,273 |
| Assets per employee ($millions) | 3.3205% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,887 |
| Loan loss allowance to noncurrent loans | 197.7941% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 6,328 |
| Noncurrent loans to loans | 0.5458% | 5,624 |
| Net loans and leases to total assets | 46.3974% | 5,980 |
| Net loans and leases to deposits | 55.5994% | 5,922 |
| Net loans and leases to core deposits | 65.6668% | 5,293 |
| Total domestic deposits to total assets | 83.4494% | 4,564 |
| Equity capital to assets | 14.9582% | 795 |
| Core capital (leverage) ratio | 13.7313% | 886 |
| Tier 1 risk-based capital ratio | 24.9439% | 873 |
| Total risk-based capital ratio | 25.8579% | 903 |
| Memoranda: | ||
| Average total assets | $52,682,200 | 6,278 |
| Average earning assets | $49,476,400 | 6,214 |
| Average equity | $7,316,600 | 5,770 |
| Average total loans | $25,165,800 | 6,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 1,756 |
| Cost of funding earning assets | 0.6953% | 5,801 |
| Net interest margin | 4.6352% | 881 |
| Noninterest income to average assets | 0.2917% | 5,524 |
| Noninterest expense to average assets | 2.8659% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3298% | 1,307 |
| Return on assets (ROA) | 1.5344% | 946 |
| Pretax return on assets | 2.0645% | 553 |
| Return on Equity (ROE) | 11.2676% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.2676% | 588 |
| Net charge-offs to loans | 0.0053% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 706.7519% | 49 |
| Efficiency ratio | 61.5804% | 5,478 |
| Assets per employee ($millions) | 3.3562% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 6,157 |
| Loan loss allowance to noncurrent loans | 199.2481% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 6,445 |
| Noncurrent loans to loans | 0.5131% | 5,822 |
| Net loans and leases to total assets | 47.7774% | 5,981 |
| Net loans and leases to deposits | 56.9324% | 5,942 |
| Net loans and leases to core deposits | 62.9472% | 5,721 |
| Total domestic deposits to total assets | 83.9196% | 4,269 |
| Equity capital to assets | 14.5031% | 990 |
| Core capital (leverage) ratio | 13.4165% | 1,073 |
| Tier 1 risk-based capital ratio | 23.8163% | 1,037 |
| Total risk-based capital ratio | 24.6987% | 1,064 |
| Memoranda: | ||
| Average total assets | $52,570,750 | 6,338 |
| Average earning assets | $49,475,000 | 6,264 |
| Average equity | $7,159,000 | 5,856 |
| Average total loans | $25,227,500 | 6,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 2,060 |
| Cost of funding earning assets | 0.7211% | 5,828 |
| Net interest margin | 4.5300% | 1,058 |
| Noninterest income to average assets | 0.2759% | 5,676 |
| Noninterest expense to average assets | 2.8777% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2727% | 1,389 |
| Return on assets (ROA) | 1.3258% | 1,334 |
| Pretax return on assets | 1.7281% | 993 |
| Return on Equity (ROE) | 9.9578% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.9578% | 851 |
| Net charge-offs to loans | 0.0240% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 144.3333% | 247 |
| Efficiency ratio | 63.4291% | 5,339 |
| Assets per employee ($millions) | 3.3873% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,207 |
| Loan loss allowance to noncurrent loans | 292.2222% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 6,678 |
| Noncurrent loans to loans | 0.3538% | 6,211 |
| Net loans and leases to total assets | 46.4472% | 6,221 |
| Net loans and leases to deposits | 54.5330% | 6,270 |
| Net loans and leases to core deposits | 60.6140% | 6,040 |
| Total domestic deposits to total assets | 85.1726% | 3,801 |
| Equity capital to assets | 13.5985% | 1,246 |
| Core capital (leverage) ratio | 12.9443% | 1,188 |
| Tier 1 risk-based capital ratio | 23.1848% | 1,093 |
| Total risk-based capital ratio | 24.0693% | 1,130 |
| Memoranda: | ||
| Average total assets | $52,194,670 | 6,404 |
| Average earning assets | $49,094,670 | 6,336 |
| Average equity | $6,949,330 | 5,936 |
| Average total loans | $24,996,330 | 6,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 2,133 |
| Cost of funding earning assets | 0.7751% | 5,711 |
| Net interest margin | 4.4507% | 1,171 |
| Noninterest income to average assets | 0.2657% | 5,770 |
| Noninterest expense to average assets | 2.9769% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1568% | 1,637 |
| Return on assets (ROA) | 1.1877% | 1,604 |
| Pretax return on assets | 1.5002% | 1,448 |
| Return on Equity (ROE) | 9.0221% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.0221% | 1,372 |
| Net charge-offs to loans | 0.0969% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 31.1667% | 811 |
| Efficiency ratio | 67.0775% | 4,838 |
| Assets per employee ($millions) | 3.3283% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 6,206 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 6,764 |
| Noncurrent loans to loans | 0.3449% | 6,305 |
| Net loans and leases to total assets | 45.7955% | 6,307 |
| Net loans and leases to deposits | 53.7206% | 6,316 |
| Net loans and leases to core deposits | 58.3784% | 6,220 |
| Total domestic deposits to total assets | 85.2475% | 3,926 |
| Equity capital to assets | 12.9216% | 1,415 |
| Core capital (leverage) ratio | 12.5595% | 1,298 |
| Tier 1 risk-based capital ratio | 23.2946% | 1,049 |
| Total risk-based capital ratio | 24.1986% | 1,074 |
| Memoranda: | ||
| Average total assets | $51,193,500 | 6,489 |
| Average earning assets | $47,992,000 | 6,413 |
| Average equity | $6,739,000 | 6,012 |
| Average total loans | $24,776,500 | 6,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7834% | 1,323 |
| Cost of funding earning assets | 1.0712% | 5,304 |
| Net interest margin | 4.7122% | 798 |
| Noninterest income to average assets | 0.3422% | 5,347 |
| Noninterest expense to average assets | 3.0221% | 3,761 |
| Loan and lease loss provision to assets | 0.3770% | 3,860 |
| Net operating income to assets | 1.0478% | 1,883 |
| Return on assets (ROA) | 1.1125% | 1,750 |
| Pretax return on assets | 1.4526% | 1,504 |
| Return on Equity (ROE) | 8.3377% | 2,558 |
| Retained earnings to average equity (ytd only) | 6.5105% | 1,548 |
| Net charge-offs to loans | 0.1140% | 5,743 |
| Credit loss provision to net charge-offs | 613.3333% | 349 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 764 |
| Efficiency ratio | 63.3863% | 5,446 |
| Assets per employee ($millions) | 3.0709% | 5,947 |
| Cash dividends to net income (ytd only)* | 21.9153% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 6,083 |
| Loan loss allowance to noncurrent loans | 289.1304% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 6,761 |
| Noncurrent loans to loans | 0.3694% | 6,318 |
| Net loans and leases to total assets | 50.1476% | 6,153 |
| Net loans and leases to deposits | 58.4426% | 6,215 |
| Net loans and leases to core deposits | 63.4071% | 6,108 |
| Total domestic deposits to total assets | 85.8065% | 3,451 |
| Equity capital to assets | 13.4263% | 1,203 |
| Core capital (leverage) ratio | 13.2561% | 1,047 |
| Tier 1 risk-based capital ratio | 22.8066% | 1,065 |
| Total risk-based capital ratio | 23.7331% | 1,094 |
| Memoranda: | ||
| Average total assets | $48,807,800 | 6,579 |
| Average earning assets | $45,838,000 | 6,517 |
| Average equity | $6,512,600 | 6,196 |
| Average total loans | $26,314,400 | 6,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9130% | 1,106 |
| Cost of funding earning assets | 1.1163% | 5,337 |
| Net interest margin | 4.7967% | 681 |
| Noninterest income to average assets | 0.3256% | 5,551 |
| Noninterest expense to average assets | 3.0072% | 3,713 |
| Loan and lease loss provision to assets | 0.4077% | 3,457 |
| Net operating income to assets | 1.0733% | 1,996 |
| Return on assets (ROA) | 1.1575% | 1,808 |
| Pretax return on assets | 1.5378% | 1,513 |
| Return on Equity (ROE) | 8.6881% | 2,610 |
| Retained earnings to average equity (ytd only) | 6.2234% | 2,250 |
| Net charge-offs to loans | 0.1450% | 5,142 |
| Credit loss provision to net charge-offs | 513.7931% | 570 |
| Earnings coverage of net charge-offs (x) | 23.1009% | 1,069 |
| Efficiency ratio | 62.1255% | 5,601 |
| Assets per employee ($millions) | 3.0269% | 6,093 |
| Cash dividends to net income (ytd only)* | 28.3693% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,790 |
| Loan loss allowance to noncurrent loans | 220.9524% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,821 |
| Noncurrent loans to loans | 0.4002% | 6,396 |
| Net loans and leases to total assets | 53.6899% | 5,891 |
| Net loans and leases to deposits | 63.4783% | 5,975 |
| Net loans and leases to core deposits | 69.3165% | 5,819 |
| Total domestic deposits to total assets | 84.5798% | 3,838 |
| Equity capital to assets | 14.0781% | 1,144 |
| Core capital (leverage) ratio | 13.1320% | 1,177 |
| Tier 1 risk-based capital ratio | 22.1175% | 1,191 |
| Total risk-based capital ratio | 22.9157% | 1,238 |
| Memoranda: | ||
| Average total assets | $48,726,000 | 6,663 |
| Average earning assets | $45,863,500 | 6,594 |
| Average equity | $6,491,500 | 6,279 |
| Average total loans | $26,666,500 | 6,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9832% | 987 |
| Cost of funding earning assets | 1.1601% | 5,344 |
| Net interest margin | 4.8230% | 636 |
| Noninterest income to average assets | 0.3195% | 5,600 |
| Noninterest expense to average assets | 3.0108% | 3,673 |
| Loan and lease loss provision to assets | 0.3646% | 3,521 |
| Net operating income to assets | 1.1121% | 1,812 |
| Return on assets (ROA) | 1.1920% | 1,646 |
| Pretax return on assets | 1.5976% | 1,313 |
| Return on Equity (ROE) | 9.1184% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.3583% | 2,693 |
| Net charge-offs to loans | 0.1194% | 4,985 |
| Credit loss provision to net charge-offs | 556.2500% | 663 |
| Earnings coverage of net charge-offs (x) | 28.3125% | 955 |
| Efficiency ratio | 61.8687% | 5,710 |
| Assets per employee ($millions) | 2.9161% | 6,320 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 7,258 |
| Loan loss allowance to noncurrent loans | 191.7526% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 6,907 |
| Noncurrent loans to loans | 0.3633% | 6,507 |
| Net loans and leases to total assets | 53.4796% | 6,051 |
| Net loans and leases to deposits | 62.4488% | 6,189 |
| Net loans and leases to core deposits | 69.7996% | 5,895 |
| Total domestic deposits to total assets | 85.6376% | 3,293 |
| Equity capital to assets | 13.2307% | 1,461 |
| Core capital (leverage) ratio | 12.6815% | 1,332 |
| Tier 1 risk-based capital ratio | 21.1571% | 1,314 |
| Total risk-based capital ratio | 21.7787% | 1,396 |
| Memoranda: | ||
| Average total assets | $48,824,670 | 6,704 |
| Average earning assets | $46,029,000 | 6,631 |
| Average equity | $6,382,670 | 6,344 |
| Average total loans | $26,810,670 | 6,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1659% | 689 |
| Cost of funding earning assets | 1.2033% | 5,393 |
| Net interest margin | 4.9626% | 450 |
| Noninterest income to average assets | 0.2229% | 6,371 |
| Noninterest expense to average assets | 3.1290% | 3,146 |
| Loan and lease loss provision to assets | 0.3055% | 3,592 |
| Net operating income to assets | 1.0795% | 1,895 |
| Return on assets (ROA) | 1.2384% | 1,507 |
| Pretax return on assets | 1.6677% | 1,126 |
| Return on Equity (ROE) | 9.5321% | 2,279 |
| Retained earnings to average equity (ytd only) | 1.9700% | 4,952 |
| Net charge-offs to loans | 0.1191% | 4,264 |
| Credit loss provision to net charge-offs | 462.5000% | 907 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 951 |
| Efficiency ratio | 64.0203% | 5,489 |
| Assets per employee ($millions) | 2.9061% | 6,426 |
| Cash dividends to net income (ytd only)* | 79.3333% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5286% | 7,568 |
| Loan loss allowance to noncurrent loans | 135.5769% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 6,936 |
| Noncurrent loans to loans | 0.3899% | 6,500 |
| Net loans and leases to total assets | 53.7042% | 6,065 |
| Net loans and leases to deposits | 62.3080% | 6,247 |
| Net loans and leases to core deposits | 68.0220% | 6,098 |
| Total domestic deposits to total assets | 86.1914% | 3,035 |
| Equity capital to assets | 12.7520% | 1,626 |
| Core capital (leverage) ratio | 12.3369% | 1,476 |
| Tier 1 risk-based capital ratio | 20.6571% | 1,399 |
| Total risk-based capital ratio | 21.1304% | 1,511 |
| Memoranda: | ||
| Average total assets | $48,450,000 | 6,786 |
| Average earning assets | $45,540,500 | 6,725 |
| Average equity | $6,294,500 | 6,419 |
| Average total loans | $26,867,000 | 6,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4787% | 703 |
| Cost of funding earning assets | 1.5926% | 5,054 |
| Net interest margin | 4.8861% | 577 |
| Noninterest income to average assets | 0.3267% | 5,745 |
| Noninterest expense to average assets | 3.0708% | 3,870 |
| Loan and lease loss provision to assets | 0.0696% | 6,882 |
| Net operating income to assets | 1.1211% | 1,465 |
| Return on assets (ROA) | 1.2519% | 1,185 |
| Pretax return on assets | 1.9495% | 448 |
| Return on Equity (ROE) | 9.7929% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.6167% | 800 |
| Net charge-offs to loans | 0.1042% | 6,100 |
| Credit loss provision to net charge-offs | 117.8571% | 4,592 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 749 |
| Efficiency ratio | 62.8559% | 5,990 |
| Assets per employee ($millions) | 2.9685% | 6,303 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4176% | 7,747 |
| Loan loss allowance to noncurrent loans | 124.1758% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 6,990 |
| Noncurrent loans to loans | 0.3363% | 6,607 |
| Net loans and leases to total assets | 56.7374% | 5,865 |
| Net loans and leases to deposits | 67.8740% | 5,850 |
| Net loans and leases to core deposits | 97.0365% | 4,345 |
| Total domestic deposits to total assets | 83.5923% | 4,236 |
| Equity capital to assets | 13.2411% | 1,417 |
| Core capital (leverage) ratio | 12.8934% | 1,279 |
| Tier 1 risk-based capital ratio | 20.4460% | 1,381 |
| Total risk-based capital ratio | 20.8233% | 1,505 |
| Memoranda: | ||
| Average total assets | $47,447,000 | 6,812 |
| Average earning assets | $44,268,000 | 6,752 |
| Average equity | $6,065,600 | 6,581 |
| Average total loans | $26,874,400 | 6,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5730% | 648 |
| Cost of funding earning assets | 1.6500% | 5,163 |
| Net interest margin | 4.9230% | 519 |
| Noninterest income to average assets | 0.3401% | 5,770 |
| Noninterest expense to average assets | 3.1116% | 3,610 |
| Loan and lease loss provision to assets | 0.0675% | 6,692 |
| Net operating income to assets | 1.1322% | 1,630 |
| Return on assets (ROA) | 1.2761% | 1,345 |
| Pretax return on assets | 1.9816% | 561 |
| Return on Equity (ROE) | 10.0723% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.0723% | 626 |
| Net charge-offs to loans | 0.1441% | 5,250 |
| Credit loss provision to net charge-offs | 82.7586% | 5,687 |
| Earnings coverage of net charge-offs (x) | 22.3768% | 1,161 |
| Efficiency ratio | 63.0410% | 5,915 |
| Assets per employee ($millions) | 3.0117% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3688% | 7,848 |
| Loan loss allowance to noncurrent loans | 143.6620% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 7,170 |
| Noncurrent loans to loans | 0.2567% | 6,870 |
| Net loans and leases to total assets | 57.1772% | 6,015 |
| Net loans and leases to deposits | 69.2053% | 6,010 |
| Net loans and leases to core deposits | 104.8003% | 3,846 |
| Total domestic deposits to total assets | 82.6198% | 4,392 |
| Equity capital to assets | 13.2795% | 1,586 |
| Core capital (leverage) ratio | 12.7757% | 1,456 |
| Tier 1 risk-based capital ratio | 20.3986% | 1,478 |
| Total risk-based capital ratio | 20.7390% | 1,608 |
| Memoranda: | ||
| Average total assets | $47,434,750 | 6,858 |
| Average earning assets | $44,281,000 | 6,805 |
| Average equity | $6,009,750 | 6,661 |
| Average total loans | $26,827,750 | 6,864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6039% | 656 |
| Cost of funding earning assets | 1.7032% | 5,258 |
| Net interest margin | 4.9007% | 536 |
| Noninterest income to average assets | 0.3391% | 5,801 |
| Noninterest expense to average assets | 3.0264% | 3,978 |
| Loan and lease loss provision to assets | 0.0636% | 6,574 |
| Net operating income to assets | 1.1847% | 1,518 |
| Return on assets (ROA) | 1.2123% | 1,526 |
| Pretax return on assets | 1.8650% | 748 |
| Return on Equity (ROE) | 9.7279% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.7279% | 782 |
| Net charge-offs to loans | 0.1883% | 4,380 |
| Credit loss provision to net charge-offs | 60.0000% | 5,589 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,452 |
| Efficiency ratio | 61.6048% | 6,297 |
| Assets per employee ($millions) | 3.0222% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3481% | 7,949 |
| Loan loss allowance to noncurrent loans | 121.2500% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 7,135 |
| Noncurrent loans to loans | 0.2871% | 6,793 |
| Net loans and leases to total assets | 57.4294% | 6,043 |
| Net loans and leases to deposits | 67.5127% | 6,248 |
| Net loans and leases to core deposits | 100.7656% | 4,429 |
| Total domestic deposits to total assets | 85.0646% | 3,233 |
| Equity capital to assets | 12.3710% | 1,994 |
| Core capital (leverage) ratio | 12.3468% | 1,673 |
| Tier 1 risk-based capital ratio | 19.6210% | 1,647 |
| Total risk-based capital ratio | 19.9412% | 1,791 |
| Memoranda: | ||
| Average total assets | $47,184,000 | 6,935 |
| Average earning assets | $44,034,670 | 6,879 |
| Average equity | $5,880,000 | 6,769 |
| Average total loans | $26,552,330 | 6,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0143% | 324 |
| Cost of funding earning assets | 1.7605% | 5,310 |
| Net interest margin | 5.2538% | 255 |
| Noninterest income to average assets | 0.5322% | 4,043 |
| Noninterest expense to average assets | 3.1331% | 3,255 |
| Loan and lease loss provision to assets | 0.0515% | 6,314 |
| Net operating income to assets | 1.6455% | 726 |
| Return on assets (ROA) | 1.7082% | 701 |
| Pretax return on assets | 2.3263% | 348 |
| Return on Equity (ROE) | 13.6559% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.6559% | 546 |
| Net charge-offs to loans | 0.2008% | 3,433 |
| Credit loss provision to net charge-offs | 46.1538% | 4,737 |
| Earnings coverage of net charge-offs (x) | 20.5385% | 1,368 |
| Efficiency ratio | 57.7532% | 6,737 |
| Assets per employee ($millions) | 3.2149% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3819% | 7,969 |
| Loan loss allowance to noncurrent loans | 117.6471% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 7,006 |
| Noncurrent loans to loans | 0.3247% | 6,627 |
| Net loans and leases to total assets | 54.0862% | 6,456 |
| Net loans and leases to deposits | 62.2467% | 6,715 |
| Net loans and leases to core deposits | 96.8223% | 4,864 |
| Total domestic deposits to total assets | 86.8901% | 2,271 |
| Equity capital to assets | 12.2680% | 2,099 |
| Core capital (leverage) ratio | 12.2256% | 1,802 |
| Tier 1 risk-based capital ratio | 20.0678% | 1,611 |
| Total risk-based capital ratio | 20.4140% | 1,745 |
| Memoranda: | ||
| Average total assets | $46,598,500 | 7,004 |
| Average earning assets | $43,397,000 | 6,963 |
| Average equity | $5,829,000 | 6,832 |
| Average total loans | $25,895,000 | 7,006 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6806% | 292 |
| Cost of funding earning assets | 2.6380% | 3,496 |
| Net interest margin | 5.0426% | 462 |
| Noninterest income to average assets | 0.3492% | 5,940 |
| Noninterest expense to average assets | 3.0890% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4403% | 1,145 |
| Return on assets (ROA) | 1.4420% | 1,095 |
| Pretax return on assets | 1.9827% | 633 |
| Return on Equity (ROE) | 11.9801% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.3249% | 288 |
| Net charge-offs to loans | 0.7398% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.7514% | 3,873 |
| Efficiency ratio | 60.9333% | 6,176 |
| Assets per employee ($millions) | 2.8109% | 6,534 |
| Cash dividends to net income (ytd only)* | 5.4688% | 4,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 7,957 |
| Loan loss allowance to noncurrent loans | 148.6111% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 6,929 |
| Noncurrent loans to loans | 0.2812% | 6,531 |
| Net loans and leases to total assets | 56.7016% | 6,360 |
| Net loans and leases to deposits | 66.7880% | 6,583 |
| Net loans and leases to core deposits | 92.9879% | 5,548 |
| Total domestic deposits to total assets | 84.8979% | 2,886 |
| Equity capital to assets | 12.7674% | 1,883 |
| Core capital (leverage) ratio | 12.4730% | 1,767 |
| Tier 1 risk-based capital ratio | 19.9746% | 1,623 |
| Total risk-based capital ratio | 20.3525% | 1,741 |
| Memoranda: | ||
| Average total assets | $44,383,800 | 7,011 |
| Average earning assets | $41,546,200 | 6,966 |
| Average equity | $5,342,200 | 7,029 |
| Average total loans | $25,006,000 | 7,024 |