Home > First National Bank of Ivesdale > Performance and Condition Ratios
First National Bank of Ivesdale, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 7,050 |
| Cost of funding earning assets | 0.3414% | 7,141 |
| Net interest margin | 3.2310% | 6,076 |
| Noninterest income to average assets | 0.9782% | 1,398 |
| Noninterest expense to average assets | 3.6460% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2779% | 5,477 |
| Return on assets (ROA) | 0.2779% | 5,639 |
| Pretax return on assets | 0.2779% | 5,755 |
| Return on Equity (ROE) | 1.7628% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.1990% | 5,532 |
| Net charge-offs to loans | 0.0649% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.4831% | 1,704 |
| Efficiency ratio | 92.9178% | 978 |
| Assets per employee ($millions) | 3.8367% | 4,222 |
| Cash dividends to net income (ytd only)* | 32.0132% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 4,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 34.1616% | 6,946 |
| Net loans and leases to deposits | 41.0867% | 6,942 |
| Net loans and leases to core deposits | 41.0867% | 7,003 |
| Total domestic deposits to total assets | 83.1451% | 4,625 |
| Equity capital to assets | 16.6030% | 530 |
| Core capital (leverage) ratio | 16.0967% | 488 |
| Tier 1 risk-based capital ratio | 30.2421% | 527 |
| Total risk-based capital ratio | 31.1758% | 530 |
| Memoranda: | ||
| Average total assets | $11,994,500 | 7,394 |
| Average earning assets | $10,935,250 | 7,381 |
| Average equity | $1,890,750 | 7,298 |
| Average total loans | $4,111,250 | 7,357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 7,168 |
| Cost of funding earning assets | 0.3611% | 7,209 |
| Net interest margin | 3.1231% | 6,361 |
| Noninterest income to average assets | 0.9872% | 1,357 |
| Noninterest expense to average assets | 3.5538% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2797% | 5,452 |
| Return on assets (ROA) | 0.2797% | 5,581 |
| Pretax return on assets | 0.2797% | 5,712 |
| Return on Equity (ROE) | 1.8047% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.9554% | 5,484 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7039% | 1,051 |
| Assets per employee ($millions) | 4.1600% | 3,428 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 4,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 31.8990% | 7,115 |
| Net loans and leases to deposits | 37.6810% | 7,127 |
| Net loans and leases to core deposits | 37.6810% | 7,180 |
| Total domestic deposits to total assets | 84.6554% | 4,050 |
| Equity capital to assets | 15.1683% | 777 |
| Core capital (leverage) ratio | 15.6008% | 558 |
| Tier 1 risk-based capital ratio | 30.5569% | 510 |
| Total risk-based capital ratio | 31.5416% | 508 |
| Memoranda: | ||
| Average total assets | $12,156,000 | 7,469 |
| Average earning assets | $11,078,670 | 7,455 |
| Average equity | $1,884,000 | 7,367 |
| Average total loans | $4,151,330 | 7,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 7,174 |
| Cost of funding earning assets | 0.3665% | 7,293 |
| Net interest margin | 3.1886% | 6,107 |
| Noninterest income to average assets | 0.9338% | 1,529 |
| Noninterest expense to average assets | 3.6685% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1668% | 5,897 |
| Return on assets (ROA) | 0.1668% | 5,945 |
| Pretax return on assets | 0.1668% | 6,009 |
| Return on Equity (ROE) | 1.0641% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.0641% | 5,400 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6522% | 940 |
| Assets per employee ($millions) | 3.9470% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.1525% | 7,087 |
| Net loans and leases to deposits | 40.6677% | 7,070 |
| Net loans and leases to core deposits | 40.6677% | 7,148 |
| Total domestic deposits to total assets | 83.9794% | 4,494 |
| Equity capital to assets | 15.9108% | 590 |
| Core capital (leverage) ratio | 14.5854% | 729 |
| Tier 1 risk-based capital ratio | 31.7439% | 449 |
| Total risk-based capital ratio | 32.7717% | 447 |
| Memoranda: | ||
| Average total assets | $11,994,000 | 7,528 |
| Average earning assets | $10,914,000 | 7,514 |
| Average equity | $1,879,500 | 7,417 |
| Average total loans | $4,206,000 | 7,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 7,198 |
| Cost of funding earning assets | 0.5690% | 7,183 |
| Net interest margin | 3.3327% | 5,859 |
| Noninterest income to average assets | 0.9383% | 1,713 |
| Noninterest expense to average assets | 3.6296% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3457% | 4,758 |
| Return on assets (ROA) | 0.3457% | 4,921 |
| Pretax return on assets | 0.3457% | 5,096 |
| Return on Equity (ROE) | 2.2438% | 5,282 |
| Retained earnings to average equity (ytd only) | 1.1753% | 4,959 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3043% | 1,228 |
| Assets per employee ($millions) | 4.0490% | 3,682 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 34.9551% | 7,201 |
| Net loans and leases to deposits | 41.4203% | 7,209 |
| Net loans and leases to core deposits | 41.4203% | 7,275 |
| Total domestic deposits to total assets | 84.3912% | 4,178 |
| Equity capital to assets | 15.4359% | 692 |
| Core capital (leverage) ratio | 15.3928% | 601 |
| Tier 1 risk-based capital ratio | 30.5126% | 490 |
| Total risk-based capital ratio | 31.5053% | 493 |
| Memoranda: | ||
| Average total assets | $12,150,200 | 7,608 |
| Average earning assets | $11,072,200 | 7,593 |
| Average equity | $1,871,800 | 7,524 |
| Average total loans | $4,379,000 | 7,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 7,310 |
| Cost of funding earning assets | 0.5884% | 7,311 |
| Net interest margin | 3.3743% | 5,769 |
| Noninterest income to average assets | 0.9436% | 1,638 |
| Noninterest expense to average assets | 3.6869% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3401% | 5,005 |
| Return on assets (ROA) | 0.3401% | 5,184 |
| Pretax return on assets | 0.3401% | 5,396 |
| Return on Equity (ROE) | 2.2090% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.2090% | 4,847 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5531% | 1,163 |
| Assets per employee ($millions) | 4.0423% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 4,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.0623% | 7,305 |
| Net loans and leases to deposits | 41.6699% | 7,316 |
| Net loans and leases to core deposits | 43.2950% | 7,343 |
| Total domestic deposits to total assets | 84.1428% | 4,039 |
| Equity capital to assets | 15.5933% | 749 |
| Core capital (leverage) ratio | 15.6982% | 606 |
| Tier 1 risk-based capital ratio | 29.9351% | 519 |
| Total risk-based capital ratio | 30.9007% | 516 |
| Memoranda: | ||
| Average total assets | $12,151,000 | 7,707 |
| Average earning assets | $11,103,250 | 7,697 |
| Average equity | $1,871,000 | 7,622 |
| Average total loans | $4,397,000 | 7,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 7,359 |
| Cost of funding earning assets | 0.6110% | 7,382 |
| Net interest margin | 3.3963% | 5,656 |
| Noninterest income to average assets | 0.9211% | 1,615 |
| Noninterest expense to average assets | 3.7174% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3125% | 5,128 |
| Return on assets (ROA) | 0.3125% | 5,288 |
| Pretax return on assets | 0.3125% | 5,462 |
| Return on Equity (ROE) | 2.0383% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.0383% | 4,843 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2449% | 1,173 |
| Assets per employee ($millions) | 3.9483% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 4,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 35.2132% | 7,378 |
| Net loans and leases to deposits | 41.9575% | 7,397 |
| Net loans and leases to core deposits | 43.6388% | 7,412 |
| Total domestic deposits to total assets | 83.9257% | 4,138 |
| Equity capital to assets | 15.8295% | 700 |
| Core capital (leverage) ratio | 15.4959% | 635 |
| Tier 1 risk-based capital ratio | 31.3493% | 442 |
| Total risk-based capital ratio | 32.3692% | 448 |
| Memoranda: | ||
| Average total assets | $12,159,000 | 7,774 |
| Average earning assets | $11,129,670 | 7,761 |
| Average equity | $1,864,330 | 7,689 |
| Average total loans | $4,425,000 | 7,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 7,542 |
| Cost of funding earning assets | 0.6740% | 7,388 |
| Net interest margin | 3.1926% | 6,314 |
| Noninterest income to average assets | 0.9094% | 1,587 |
| Noninterest expense to average assets | 3.6375% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1949% | 5,708 |
| Return on assets (ROA) | 0.1949% | 5,828 |
| Pretax return on assets | 0.1949% | 5,889 |
| Return on Equity (ROE) | 1.2910% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.2910% | 5,293 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9153% | 1,084 |
| Assets per employee ($millions) | 4.0340% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.6057% | 7,439 |
| Net loans and leases to deposits | 42.1707% | 7,456 |
| Net loans and leases to core deposits | 43.8129% | 7,490 |
| Total domestic deposits to total assets | 84.4323% | 3,926 |
| Equity capital to assets | 15.3776% | 790 |
| Core capital (leverage) ratio | 14.6859% | 807 |
| Tier 1 risk-based capital ratio | 29.6621% | 542 |
| Total risk-based capital ratio | 30.6344% | 542 |
| Memoranda: | ||
| Average total assets | $12,316,000 | 7,875 |
| Average earning assets | $11,276,000 | 7,861 |
| Average equity | $1,859,000 | 7,774 |
| Average total loans | $4,521,500 | 7,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 7,480 |
| Cost of funding earning assets | 1.0173% | 7,176 |
| Net interest margin | 3.3782% | 5,453 |
| Noninterest income to average assets | 1.0882% | 1,300 |
| Noninterest expense to average assets | 3.6051% | 2,128 |
| Loan and lease loss provision to assets | 0.0083% | 7,388 |
| Net operating income to assets | 0.3987% | 4,134 |
| Return on assets (ROA) | 0.3987% | 4,235 |
| Pretax return on assets | 0.3987% | 4,504 |
| Return on Equity (ROE) | 2.5966% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.5147% | 4,012 |
| Net charge-offs to loans | 0.1547% | 5,720 |
| Credit loss provision to net charge-offs | 14.2857% | 6,962 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,245 |
| Efficiency ratio | 89.8551% | 1,713 |
| Assets per employee ($millions) | 4.1767% | 3,482 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 36.8077% | 7,492 |
| Net loans and leases to deposits | 43.3459% | 7,539 |
| Net loans and leases to core deposits | 58.4463% | 7,326 |
| Total domestic deposits to total assets | 84.9162% | 3,593 |
| Equity capital to assets | 14.8204% | 947 |
| Core capital (leverage) ratio | 14.8063% | 825 |
| Tier 1 risk-based capital ratio | 28.1151% | 633 |
| Total risk-based capital ratio | 29.0386% | 641 |
| Memoranda: | ||
| Average total assets | $12,038,400 | 7,946 |
| Average earning assets | $10,419,600 | 7,938 |
| Average equity | $1,848,600 | 7,869 |
| Average total loans | $4,525,200 | 7,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 7,555 |
| Cost of funding earning assets | 1.1046% | 7,167 |
| Net interest margin | 3.3530% | 5,431 |
| Noninterest income to average assets | 1.0854% | 1,348 |
| Noninterest expense to average assets | 3.5359% | 2,179 |
| Loan and lease loss provision to assets | 0.0112% | 7,220 |
| Net operating income to assets | 0.3917% | 4,429 |
| Return on assets (ROA) | 0.3917% | 4,532 |
| Pretax return on assets | 0.3917% | 4,820 |
| Return on Equity (ROE) | 2.5275% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.5275% | 3,908 |
| Net charge-offs to loans | 0.1486% | 5,220 |
| Credit loss provision to net charge-offs | 20.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | 7.1964% | 2,453 |
| Efficiency ratio | 89.7727% | 1,710 |
| Assets per employee ($millions) | 4.1560% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 36.6619% | 7,595 |
| Net loans and leases to deposits | 43.2737% | 7,644 |
| Net loans and leases to core deposits | 58.7986% | 7,439 |
| Total domestic deposits to total assets | 84.7209% | 3,359 |
| Equity capital to assets | 14.9583% | 1,012 |
| Core capital (leverage) ratio | 17.7349% | 473 |
| Tier 1 risk-based capital ratio | 28.4039% | 661 |
| Total risk-based capital ratio | 29.3634% | 666 |
| Memoranda: | ||
| Average total assets | $11,915,500 | 8,028 |
| Average earning assets | $10,139,750 | 8,023 |
| Average equity | $1,846,500 | 7,948 |
| Average total loans | $4,488,250 | 7,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 7,628 |
| Cost of funding earning assets | 1.1908% | 7,131 |
| Net interest margin | 3.3055% | 5,533 |
| Noninterest income to average assets | 1.0911% | 1,342 |
| Noninterest expense to average assets | 3.5120% | 2,302 |
| Loan and lease loss provision to assets | 0.0170% | 7,052 |
| Net operating income to assets | 0.3069% | 4,863 |
| Return on assets (ROA) | 0.3069% | 4,979 |
| Pretax return on assets | 0.3069% | 5,194 |
| Return on Equity (ROE) | 1.9562% | 5,318 |
| Retained earnings to average equity (ytd only) | 1.9562% | 4,256 |
| Net charge-offs to loans | 0.1802% | 4,447 |
| Credit loss provision to net charge-offs | 25.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,014 |
| Efficiency ratio | 91.5556% | 1,674 |
| Assets per employee ($millions) | 4.1427% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 33.7786% | 7,784 |
| Net loans and leases to deposits | 39.8443% | 7,822 |
| Net loans and leases to core deposits | 51.9812% | 7,711 |
| Total domestic deposits to total assets | 84.7763% | 3,367 |
| Equity capital to assets | 14.8696% | 1,063 |
| Core capital (leverage) ratio | 15.0085% | 917 |
| Tier 1 risk-based capital ratio | 29.5349% | 629 |
| Total risk-based capital ratio | 30.5578% | 629 |
| Memoranda: | ||
| Average total assets | $11,731,330 | 8,122 |
| Average earning assets | $9,741,330 | 8,116 |
| Average equity | $1,840,330 | 8,033 |
| Average total loans | $4,439,670 | 8,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 7,610 |
| Cost of funding earning assets | 1.1844% | 7,333 |
| Net interest margin | 3.4264% | 5,028 |
| Noninterest income to average assets | 1.0893% | 1,256 |
| Noninterest expense to average assets | 3.4437% | 2,249 |
| Loan and lease loss provision to assets | 0.0351% | 6,502 |
| Net operating income to assets | 0.4568% | 4,627 |
| Return on assets (ROA) | 0.4568% | 4,802 |
| Pretax return on assets | 0.4568% | 5,219 |
| Return on Equity (ROE) | 2.8315% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8315% | 4,298 |
| Net charge-offs to loans | 0.3533% | 2,672 |
| Credit loss provision to net charge-offs | 25.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,155 |
| Efficiency ratio | 87.5000% | 1,932 |
| Assets per employee ($millions) | 3.8650% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 3,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.3864% | 7,718 |
| Net loans and leases to deposits | 43.3964% | 7,746 |
| Net loans and leases to core deposits | 60.0655% | 7,453 |
| Total domestic deposits to total assets | 83.8465% | 3,775 |
| Equity capital to assets | 15.8948% | 890 |
| Core capital (leverage) ratio | 15.6918% | 831 |
| Tier 1 risk-based capital ratio | 30.2826% | 608 |
| Total risk-based capital ratio | 31.3342% | 603 |
| Memoranda: | ||
| Average total assets | $11,383,000 | 8,175 |
| Average earning assets | $9,456,000 | 8,170 |
| Average equity | $1,836,500 | 8,082 |
| Average total loans | $4,528,500 | 8,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 7,262 |
| Cost of funding earning assets | 2.0411% | 6,278 |
| Net interest margin | 3.4751% | 5,380 |
| Noninterest income to average assets | 0.9653% | 1,714 |
| Noninterest expense to average assets | 3.6174% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3789% | 5,235 |
| Return on assets (ROA) | 0.3789% | 5,049 |
| Pretax return on assets | 0.3428% | 5,410 |
| Return on Equity (ROE) | 2.3215% | 5,495 |
| Retained earnings to average equity (ytd only) | 1.7687% | 4,143 |
| Net charge-offs to loans | -0.0211% | 7,933 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3440% | 1,422 |
| Assets per employee ($millions) | 3.7237% | 4,121 |
| Cash dividends to net income (ytd only)* | 23.8095% | 4,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,172 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,449 |
| Noncurrent loans to loans | 0.0838% | 7,168 |
| Net loans and leases to total assets | 42.1359% | 7,578 |
| Net loans and leases to deposits | 50.6129% | 7,601 |
| Net loans and leases to core deposits | 66.6242% | 7,342 |
| Total domestic deposits to total assets | 83.2513% | 3,671 |
| Equity capital to assets | 16.3817% | 866 |
| Core capital (leverage) ratio | 16.4554% | 765 |
| Tier 1 risk-based capital ratio | 28.8963% | 701 |
| Total risk-based capital ratio | 29.9542% | 707 |
| Memoranda: | ||
| Average total assets | $11,085,200 | 8,230 |
| Average earning assets | $9,553,800 | 8,225 |
| Average equity | $1,809,200 | 8,154 |
| Average total loans | $4,750,000 | 8,170 |