Home > First National Bank of Muskogee > Performance and Condition Ratios
First National Bank of Muskogee, Performance and Condition Ratios
| 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 | 5.0561% | 1,646 |
| Cost of funding earning assets | 0.5049% | 5,587 |
| Net interest margin | 4.5513% | 905 |
| Noninterest income to average assets | 1.9954% | 409 |
| Noninterest expense to average assets | 4.2600% | 682 |
| Loan and lease loss provision to assets | 0.2569% | 2,522 |
| Net operating income to assets | 1.6746% | 712 |
| Return on assets (ROA) | 1.6746% | 798 |
| Pretax return on assets | 1.6746% | 1,327 |
| Return on Equity (ROE) | 20.9490% | 292 |
| Retained earnings to average equity (ytd only) | 15.3364% | 266 |
| Net charge-offs to loans | 0.0865% | 4,285 |
| Credit loss provision to net charge-offs | 388.1356% | 765 |
| Earnings coverage of net charge-offs (x) | 29.1864% | 1,092 |
| Efficiency ratio | 68.8043% | 3,975 |
| Assets per employee ($millions) | 3.1383% | 5,774 |
| Cash dividends to net income (ytd only)* | 26.7917% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,894 |
| Loan loss allowance to noncurrent loans | 179.8165% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 3,957 |
| Noncurrent loans to loans | 0.8482% | 4,823 |
| Net loans and leases to total assets | 77.8180% | 745 |
| Net loans and leases to deposits | 86.3034% | 1,562 |
| Net loans and leases to core deposits | 93.7173% | 1,630 |
| Total domestic deposits to total assets | 90.1679% | 832 |
| Equity capital to assets | 8.3333% | 6,350 |
| Core capital (leverage) ratio | 7.8478% | 6,413 |
| Tier 1 risk-based capital ratio | 9.6698% | 6,894 |
| Total risk-based capital ratio | 10.9224% | 6,885 |
| Memoranda: | ||
| Average total assets | $178,309,000 | 3,380 |
| Average earning assets | $164,394,330 | 3,359 |
| Average equity | $14,253,670 | 4,148 |
| Average total loans | $136,485,670 | 2,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 1,958 |
| Cost of funding earning assets | 0.5248% | 5,644 |
| Net interest margin | 4.4556% | 1,098 |
| Noninterest income to average assets | 1.3324% | 805 |
| Noninterest expense to average assets | 3.8445% | 1,145 |
| Loan and lease loss provision to assets | 0.2337% | 2,603 |
| Net operating income to assets | 1.3369% | 1,359 |
| Return on assets (ROA) | 1.3369% | 1,520 |
| Pretax return on assets | 1.3369% | 2,403 |
| Return on Equity (ROE) | 17.0891% | 655 |
| Retained earnings to average equity (ytd only) | 5.6006% | 3,201 |
| Net charge-offs to loans | 0.0269% | 4,307 |
| Credit loss provision to net charge-offs | 1,155.5556% | 300 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 432 |
| Efficiency ratio | 70.9959% | 3,623 |
| Assets per employee ($millions) | 3.5499% | 4,999 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 4,023 |
| Loan loss allowance to noncurrent loans | 129.4960% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 3,798 |
| Noncurrent loans to loans | 1.1821% | 4,361 |
| Net loans and leases to total assets | 73.9404% | 1,077 |
| Net loans and leases to deposits | 81.4466% | 2,003 |
| Net loans and leases to core deposits | 88.3095% | 2,018 |
| Total domestic deposits to total assets | 90.7840% | 648 |
| Equity capital to assets | 7.7484% | 6,661 |
| Core capital (leverage) ratio | 7.8645% | 6,363 |
| Tier 1 risk-based capital ratio | 9.6539% | 6,944 |
| Total risk-based capital ratio | 10.9068% | 6,938 |
| Memoranda: | ||
| Average total assets | $178,021,500 | 3,407 |
| Average earning assets | $163,120,000 | 3,387 |
| Average equity | $13,927,000 | 4,213 |
| Average total loans | $134,048,500 | 2,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 2,331 |
| Cost of funding earning assets | 0.6833% | 5,641 |
| Net interest margin | 4.4458% | 1,276 |
| Noninterest income to average assets | 1.4031% | 657 |
| Noninterest expense to average assets | 3.2837% | 2,576 |
| Loan and lease loss provision to assets | 0.2625% | 3,594 |
| Net operating income to assets | 1.9824% | 321 |
| Return on assets (ROA) | 1.9824% | 340 |
| Pretax return on assets | 1.9824% | 549 |
| Return on Equity (ROE) | 23.8471% | 138 |
| Retained earnings to average equity (ytd only) | 3.2018% | 3,942 |
| Net charge-offs to loans | 0.0383% | 5,927 |
| Credit loss provision to net charge-offs | 908.3333% | 250 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 379 |
| Efficiency ratio | 59.3944% | 5,845 |
| Assets per employee ($millions) | 4.1667% | 3,518 |
| Cash dividends to net income (ytd only)* | 86.5735% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 4,004 |
| Loan loss allowance to noncurrent loans | 361.2727% | 925 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 4,316 |
| Noncurrent loans to loans | 0.4162% | 5,884 |
| Net loans and leases to total assets | 74.3800% | 1,202 |
| Net loans and leases to deposits | 82.1619% | 2,178 |
| Net loans and leases to core deposits | 89.8446% | 2,150 |
| Total domestic deposits to total assets | 90.5286% | 704 |
| Equity capital to assets | 7.9006% | 6,633 |
| Core capital (leverage) ratio | 8.0311% | 6,225 |
| Tier 1 risk-based capital ratio | 9.9068% | 6,877 |
| Total risk-based capital ratio | 11.1272% | 6,876 |
| Memoranda: | ||
| Average total assets | $166,064,000 | 3,555 |
| Average earning assets | $154,100,000 | 3,508 |
| Average equity | $13,804,600 | 4,158 |
| Average total loans | $125,176,200 | 3,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 2,422 |
| Cost of funding earning assets | 0.7252% | 5,624 |
| Net interest margin | 4.4154% | 1,365 |
| Noninterest income to average assets | 1.4128% | 659 |
| Noninterest expense to average assets | 3.2358% | 2,714 |
| Loan and lease loss provision to assets | 0.2547% | 3,466 |
| Net operating income to assets | 2.0248% | 326 |
| Return on assets (ROA) | 2.0248% | 352 |
| Pretax return on assets | 2.0248% | 597 |
| Return on Equity (ROE) | 24.0393% | 165 |
| Retained earnings to average equity (ytd only) | 4.7151% | 3,367 |
| Net charge-offs to loans | 0.0346% | 5,664 |
| Credit loss provision to net charge-offs | 978.1250% | 269 |
| Earnings coverage of net charge-offs (x) | 87.5221% | 409 |
| Efficiency ratio | 58.6690% | 5,907 |
| Assets per employee ($millions) | 4.1413% | 3,561 |
| Cash dividends to net income (ytd only)* | 80.3859% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 4,412 |
| Loan loss allowance to noncurrent loans | 216.7243% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 4,915 |
| Noncurrent loans to loans | 0.6605% | 5,565 |
| Net loans and leases to total assets | 80.1084% | 507 |
| Net loans and leases to deposits | 90.0463% | 1,206 |
| Net loans and leases to core deposits | 99.2536% | 1,314 |
| Total domestic deposits to total assets | 88.9635% | 1,450 |
| Equity capital to assets | 8.6156% | 6,181 |
| Core capital (leverage) ratio | 8.1865% | 6,148 |
| Tier 1 risk-based capital ratio | 9.9408% | 6,971 |
| Total risk-based capital ratio | 11.1935% | 6,957 |
| Memoranda: | ||
| Average total assets | $163,830,000 | 3,609 |
| Average earning assets | $152,222,500 | 3,564 |
| Average equity | $13,799,250 | 4,166 |
| Average total loans | $123,432,250 | 3,137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 3,509 |
| Cost of funding earning assets | 0.7547% | 5,643 |
| Net interest margin | 4.1713% | 2,155 |
| Noninterest income to average assets | 1.3402% | 704 |
| Noninterest expense to average assets | 3.1688% | 3,010 |
| Loan and lease loss provision to assets | 0.2381% | 3,536 |
| Net operating income to assets | 1.8080% | 494 |
| Return on assets (ROA) | 1.8080% | 526 |
| Pretax return on assets | 1.8080% | 868 |
| Return on Equity (ROE) | 21.6269% | 248 |
| Retained earnings to average equity (ytd only) | 8.5461% | 1,250 |
| Net charge-offs to loans | 0.0116% | 5,690 |
| Credit loss provision to net charge-offs | 2,800.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 240.5714% | 144 |
| Efficiency ratio | 60.7642% | 5,766 |
| Assets per employee ($millions) | 4.1825% | 3,387 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,524 |
| Loan loss allowance to noncurrent loans | 215.5609% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 5,108 |
| Noncurrent loans to loans | 0.6540% | 5,613 |
| Net loans and leases to total assets | 76.6195% | 977 |
| Net loans and leases to deposits | 86.0561% | 1,788 |
| Net loans and leases to core deposits | 95.2926% | 1,752 |
| Total domestic deposits to total assets | 89.0344% | 1,513 |
| Equity capital to assets | 8.5802% | 6,080 |
| Core capital (leverage) ratio | 8.2286% | 5,982 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,806 |
| Total risk-based capital ratio | 11.7097% | 6,806 |
| Memoranda: | ||
| Average total assets | $164,603,330 | 3,610 |
| Average earning assets | $152,902,330 | 3,579 |
| Average equity | $13,760,670 | 4,163 |
| Average total loans | $120,822,330 | 3,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 4,555 |
| Cost of funding earning assets | 0.7853% | 5,641 |
| Net interest margin | 3.9081% | 3,100 |
| Noninterest income to average assets | 1.2338% | 833 |
| Noninterest expense to average assets | 3.0917% | 3,285 |
| Loan and lease loss provision to assets | 0.1911% | 3,716 |
| Net operating income to assets | 1.5749% | 729 |
| Return on assets (ROA) | 1.5749% | 773 |
| Pretax return on assets | 1.5749% | 1,242 |
| Return on Equity (ROE) | 19.0867% | 393 |
| Retained earnings to average equity (ytd only) | 19.0867% | 195 |
| Net charge-offs to loans | 0.0136% | 4,890 |
| Credit loss provision to net charge-offs | 1,975.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 182.5000% | 175 |
| Efficiency ratio | 63.6454% | 5,421 |
| Assets per employee ($millions) | 4.1429% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 4,712 |
| Loan loss allowance to noncurrent loans | 129.9922% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2935% | 4,377 |
| Noncurrent loans to loans | 1.0692% | 4,911 |
| Net loans and leases to total assets | 73.4634% | 1,425 |
| Net loans and leases to deposits | 82.6132% | 2,253 |
| Net loans and leases to core deposits | 92.0903% | 2,119 |
| Total domestic deposits to total assets | 88.9245% | 1,815 |
| Equity capital to assets | 8.6531% | 5,712 |
| Core capital (leverage) ratio | 8.2265% | 5,945 |
| Tier 1 risk-based capital ratio | 10.8683% | 6,594 |
| Total risk-based capital ratio | 12.1187% | 6,576 |
| Memoranda: | ||
| Average total assets | $165,345,500 | 3,628 |
| Average earning assets | $153,321,500 | 3,589 |
| Average equity | $13,643,000 | 4,181 |
| Average total loans | $117,849,500 | 3,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 3,393 |
| Cost of funding earning assets | 0.8729% | 6,286 |
| Net interest margin | 4.3715% | 1,582 |
| Noninterest income to average assets | 1.6266% | 555 |
| Noninterest expense to average assets | 3.5020% | 2,168 |
| Loan and lease loss provision to assets | 0.4084% | 3,655 |
| Net operating income to assets | 1.7874% | 427 |
| Return on assets (ROA) | 1.7874% | 465 |
| Pretax return on assets | 1.7874% | 781 |
| Return on Equity (ROE) | 21.4662% | 176 |
| Retained earnings to average equity (ytd only) | 10.4255% | 449 |
| Net charge-offs to loans | 0.1548% | 5,421 |
| Credit loss provision to net charge-offs | 338.0435% | 761 |
| Earnings coverage of net charge-offs (x) | 18.1739% | 1,114 |
| Efficiency ratio | 61.4613% | 5,819 |
| Assets per employee ($millions) | 4.5708% | 2,756 |
| Cash dividends to net income (ytd only)* | 51.4328% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,586 |
| Loan loss allowance to noncurrent loans | 120.5128% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 4,329 |
| Noncurrent loans to loans | 1.1498% | 4,808 |
| Net loans and leases to total assets | 67.2495% | 3,159 |
| Net loans and leases to deposits | 74.9241% | 4,040 |
| Net loans and leases to core deposits | 82.6882% | 3,793 |
| Total domestic deposits to total assets | 89.7569% | 1,230 |
| Equity capital to assets | 7.8673% | 6,624 |
| Core capital (leverage) ratio | 7.9666% | 6,252 |
| Tier 1 risk-based capital ratio | 10.3170% | 6,817 |
| Total risk-based capital ratio | 11.5672% | 6,791 |
| Memoranda: | ||
| Average total assets | $152,284,000 | 3,839 |
| Average earning assets | $141,826,600 | 3,786 |
| Average equity | $12,680,400 | 4,432 |
| Average total loans | $118,834,600 | 3,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 2,844 |
| Cost of funding earning assets | 0.8995% | 6,392 |
| Net interest margin | 4.5074% | 1,241 |
| Noninterest income to average assets | 1.4398% | 650 |
| Noninterest expense to average assets | 3.5215% | 1,989 |
| Loan and lease loss provision to assets | 0.4691% | 3,128 |
| Net operating income to assets | 1.6316% | 700 |
| Return on assets (ROA) | 1.6316% | 764 |
| Pretax return on assets | 1.6316% | 1,267 |
| Return on Equity (ROE) | 19.2901% | 367 |
| Retained earnings to average equity (ytd only) | 9.7089% | 861 |
| Net charge-offs to loans | 0.1893% | 4,817 |
| Credit loss provision to net charge-offs | 306.4706% | 1,040 |
| Earnings coverage of net charge-offs (x) | 13.7236% | 1,560 |
| Efficiency ratio | 62.6361% | 5,500 |
| Assets per employee ($millions) | 4.4690% | 2,959 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,118 |
| Loan loss allowance to noncurrent loans | 40.0371% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.8610% | 2,538 |
| Noncurrent loans to loans | 3.1696% | 2,511 |
| Net loans and leases to total assets | 75.1570% | 1,558 |
| Net loans and leases to deposits | 85.0444% | 2,514 |
| Net loans and leases to core deposits | 96.7332% | 2,175 |
| Total domestic deposits to total assets | 88.3738% | 1,746 |
| Equity capital to assets | 8.3420% | 6,465 |
| Core capital (leverage) ratio | 8.0877% | 6,214 |
| Tier 1 risk-based capital ratio | 10.2927% | 6,897 |
| Total risk-based capital ratio | 11.5431% | 6,888 |
| Memoranda: | ||
| Average total assets | $148,075,500 | 3,956 |
| Average earning assets | $137,400,000 | 3,912 |
| Average equity | $12,524,250 | 4,544 |
| Average total loans | $119,711,000 | 3,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 2,653 |
| Cost of funding earning assets | 0.9029% | 6,569 |
| Net interest margin | 4.5680% | 1,066 |
| Noninterest income to average assets | 1.4233% | 625 |
| Noninterest expense to average assets | 3.5472% | 1,916 |
| Loan and lease loss provision to assets | 0.6869% | 2,109 |
| Net operating income to assets | 1.4302% | 1,035 |
| Return on assets (ROA) | 1.4302% | 1,108 |
| Pretax return on assets | 1.4302% | 1,750 |
| Return on Equity (ROE) | 16.8264% | 593 |
| Retained earnings to average equity (ytd only) | 8.7290% | 1,194 |
| Net charge-offs to loans | 0.0634% | 5,507 |
| Credit loss provision to net charge-offs | 1,313.1579% | 301 |
| Earnings coverage of net charge-offs (x) | 40.4737% | 722 |
| Efficiency ratio | 62.6245% | 5,587 |
| Assets per employee ($millions) | 3.4192% | 5,127 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 4,715 |
| Loan loss allowance to noncurrent loans | 69.4218% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 3,887 |
| Noncurrent loans to loans | 1.9349% | 3,816 |
| Net loans and leases to total assets | 82.9053% | 447 |
| Net loans and leases to deposits | 94.6354% | 1,198 |
| Net loans and leases to core deposits | 108.5009% | 1,264 |
| Total domestic deposits to total assets | 87.6050% | 2,204 |
| Equity capital to assets | 8.8360% | 5,697 |
| Core capital (leverage) ratio | 8.1941% | 5,948 |
| Tier 1 risk-based capital ratio | 9.9362% | 7,063 |
| Total risk-based capital ratio | 11.1902% | 7,033 |
| Memoranda: | ||
| Average total assets | $145,296,000 | 4,043 |
| Average earning assets | $134,895,000 | 4,004 |
| Average equity | $12,349,670 | 4,586 |
| Average total loans | $119,925,670 | 3,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 3,090 |
| Cost of funding earning assets | 0.9011% | 6,767 |
| Net interest margin | 4.4876% | 1,173 |
| Noninterest income to average assets | 1.4041% | 618 |
| Noninterest expense to average assets | 3.4433% | 2,123 |
| Loan and lease loss provision to assets | 0.3284% | 3,431 |
| Net operating income to assets | 1.8037% | 491 |
| Return on assets (ROA) | 1.8037% | 541 |
| Pretax return on assets | 1.8037% | 870 |
| Return on Equity (ROE) | 21.6420% | 290 |
| Retained earnings to average equity (ytd only) | 5.2217% | 3,031 |
| Net charge-offs to loans | 0.0468% | 4,940 |
| Credit loss provision to net charge-offs | 857.1429% | 539 |
| Earnings coverage of net charge-offs (x) | 55.6429% | 524 |
| Efficiency ratio | 61.7575% | 5,877 |
| Assets per employee ($millions) | 3.2777% | 5,589 |
| Cash dividends to net income (ytd only)* | 75.8725% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,222 |
| Loan loss allowance to noncurrent loans | 57.7291% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 4,161 |
| Noncurrent loans to loans | 1.8204% | 4,032 |
| Net loans and leases to total assets | 80.8191% | 735 |
| Net loans and leases to deposits | 91.5982% | 1,672 |
| Net loans and leases to core deposits | 103.3581% | 1,791 |
| Total domestic deposits to total assets | 88.2322% | 1,933 |
| Equity capital to assets | 8.3080% | 6,288 |
| Core capital (leverage) ratio | 8.0352% | 6,188 |
| Tier 1 risk-based capital ratio | 9.3801% | 7,357 |
| Total risk-based capital ratio | 10.4093% | 7,449 |
| Memoranda: | ||
| Average total assets | $146,141,000 | 4,091 |
| Average earning assets | $135,840,000 | 4,043 |
| Average equity | $12,180,000 | 4,671 |
| Average total loans | $119,549,500 | 3,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 4,409 |
| Cost of funding earning assets | 1.1983% | 6,663 |
| Net interest margin | 4.2570% | 1,866 |
| Noninterest income to average assets | 1.3617% | 795 |
| Noninterest expense to average assets | 3.4355% | 2,568 |
| Loan and lease loss provision to assets | 0.4948% | 3,897 |
| Net operating income to assets | 1.3858% | 873 |
| Return on assets (ROA) | 1.4079% | 892 |
| Pretax return on assets | 1.4079% | 1,416 |
| Return on Equity (ROE) | 17.4490% | 413 |
| Retained earnings to average equity (ytd only) | 6.3295% | 1,212 |
| Net charge-offs to loans | 0.5125% | 3,729 |
| Credit loss provision to net charge-offs | 121.7317% | 4,361 |
| Earnings coverage of net charge-offs (x) | 4.6265% | 2,875 |
| Efficiency ratio | 64.6242% | 5,656 |
| Assets per employee ($millions) | 3.0164% | 6,184 |
| Cash dividends to net income (ytd only)* | 63.7255% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,493 |
| Loan loss allowance to noncurrent loans | 49.7001% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 3,821 |
| Noncurrent loans to loans | 1.9675% | 3,698 |
| Net loans and leases to total assets | 81.1322% | 817 |
| Net loans and leases to deposits | 94.4125% | 1,549 |
| Net loans and leases to core deposits | 127.1340% | 1,443 |
| Total domestic deposits to total assets | 85.9337% | 3,052 |
| Equity capital to assets | 8.3613% | 6,111 |
| Core capital (leverage) ratio | 8.0155% | 6,160 |
| Tier 1 risk-based capital ratio | 9.1375% | 7,409 |
| Total risk-based capital ratio | 10.0683% | 7,557 |
| Memoranda: | ||
| Average total assets | $144,897,000 | 4,030 |
| Average earning assets | $134,603,200 | 4,000 |
| Average equity | $11,691,200 | 4,815 |
| Average total loans | $114,922,000 | 3,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 4,654 |
| Cost of funding earning assets | 1.2721% | 6,652 |
| Net interest margin | 4.1843% | 2,113 |
| Noninterest income to average assets | 1.3220% | 885 |
| Noninterest expense to average assets | 3.3092% | 2,878 |
| Loan and lease loss provision to assets | 0.4563% | 3,629 |
| Net operating income to assets | 1.4481% | 918 |
| Return on assets (ROA) | 1.4757% | 927 |
| Pretax return on assets | 1.4757% | 1,486 |
| Return on Equity (ROE) | 18.4562% | 412 |
| Retained earnings to average equity (ytd only) | 10.4017% | 562 |
| Net charge-offs to loans | 0.2901% | 4,222 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 8.3467% | 2,261 |
| Efficiency ratio | 63.4727% | 5,847 |
| Assets per employee ($millions) | 2.9467% | 6,285 |
| Cash dividends to net income (ytd only)* | 43.6410% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,675 |
| Loan loss allowance to noncurrent loans | 55.9441% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.9733% | 3,385 |
| Noncurrent loans to loans | 1.9805% | 3,670 |
| Net loans and leases to total assets | 80.7729% | 1,025 |
| Net loans and leases to deposits | 91.8162% | 2,260 |
| Net loans and leases to core deposits | 122.1242% | 2,061 |
| Total domestic deposits to total assets | 87.9724% | 1,669 |
| Equity capital to assets | 8.6884% | 5,972 |
| Core capital (leverage) ratio | 8.0003% | 6,355 |
| Tier 1 risk-based capital ratio | 9.3130% | 7,490 |
| Total risk-based capital ratio | 10.3458% | 7,591 |
| Memoranda: | ||
| Average total assets | $144,924,750 | 4,059 |
| Average earning assets | $134,787,250 | 4,028 |
| Average equity | $11,587,500 | 4,900 |
| Average total loans | $113,995,500 | 3,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 4,844 |
| Cost of funding earning assets | 1.3489% | 6,652 |
| Net interest margin | 4.1116% | 2,280 |
| Noninterest income to average assets | 1.1801% | 1,122 |
| Noninterest expense to average assets | 3.1379% | 3,550 |
| Loan and lease loss provision to assets | 0.5148% | 2,964 |
| Net operating income to assets | 1.3417% | 1,136 |
| Return on assets (ROA) | 1.3417% | 1,209 |
| Pretax return on assets | 1.3417% | 1,900 |
| Return on Equity (ROE) | 17.2631% | 558 |
| Retained earnings to average equity (ytd only) | 4.9323% | 2,550 |
| Net charge-offs to loans | 0.0969% | 5,198 |
| Credit loss provision to net charge-offs | 683.6364% | 684 |
| Earnings coverage of net charge-offs (x) | 24.6545% | 1,149 |
| Efficiency ratio | 62.8289% | 6,114 |
| Assets per employee ($millions) | 2.8944% | 6,404 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 5,180 |
| Loan loss allowance to noncurrent loans | 65.8074% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 4,073 |
| Noncurrent loans to loans | 1.7656% | 3,859 |
| Net loans and leases to total assets | 81.1490% | 1,107 |
| Net loans and leases to deposits | 93.3491% | 2,202 |
| Net loans and leases to core deposits | 121.0068% | 2,277 |
| Total domestic deposits to total assets | 86.9306% | 2,289 |
| Equity capital to assets | 8.1401% | 6,578 |
| Core capital (leverage) ratio | 7.3641% | 7,173 |
| Tier 1 risk-based capital ratio | 9.0680% | 7,663 |
| Total risk-based capital ratio | 10.1918% | 7,759 |
| Memoranda: | ||
| Average total assets | $146,086,000 | 4,067 |
| Average earning assets | $135,520,000 | 4,041 |
| Average equity | $11,353,670 | 4,986 |
| Average total loans | $113,485,330 | 3,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4681% | 5,076 |
| Cost of funding earning assets | 1.4644% | 6,524 |
| Net interest margin | 4.0037% | 2,625 |
| Noninterest income to average assets | 1.0525% | 1,337 |
| Noninterest expense to average assets | 3.0874% | 3,423 |
| Loan and lease loss provision to assets | 0.3050% | 3,510 |
| Net operating income to assets | 1.3494% | 1,261 |
| Return on assets (ROA) | 1.3494% | 1,355 |
| Pretax return on assets | 1.3494% | 2,121 |
| Return on Equity (ROE) | 17.7651% | 609 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,919 |
| Net charge-offs to loans | 0.0643% | 4,564 |
| Credit loss provision to net charge-offs | 627.7778% | 907 |
| Earnings coverage of net charge-offs (x) | 34.0556% | 966 |
| Efficiency ratio | 65.1110% | 5,491 |
| Assets per employee ($millions) | 3.2005% | 5,591 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,294 |
| Loan loss allowance to noncurrent loans | 157.3222% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 6,086 |
| Noncurrent loans to loans | 0.6239% | 5,840 |
| Net loans and leases to total assets | 74.0773% | 2,736 |
| Net loans and leases to deposits | 81.6616% | 4,334 |
| Net loans and leases to core deposits | 106.8844% | 3,810 |
| Total domestic deposits to total assets | 90.7125% | 507 |
| Equity capital to assets | 7.4083% | 7,414 |
| Core capital (leverage) ratio | 7.2505% | 7,428 |
| Tier 1 risk-based capital ratio | 9.1248% | 7,723 |
| Total risk-based capital ratio | 10.0834% | 7,914 |
| Memoranda: | ||
| Average total assets | $148,215,000 | 4,042 |
| Average earning assets | $136,575,000 | 4,022 |
| Average equity | $11,258,000 | 5,040 |
| Average total loans | $112,005,500 | 3,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1687% | 4,674 |
| Cost of funding earning assets | 2.1022% | 6,042 |
| Net interest margin | 4.0665% | 2,843 |
| Noninterest income to average assets | 1.4444% | 682 |
| Noninterest expense to average assets | 3.4311% | 2,575 |
| Loan and lease loss provision to assets | 0.2624% | 4,304 |
| Net operating income to assets | 1.4891% | 1,049 |
| Return on assets (ROA) | 1.6108% | 779 |
| Pretax return on assets | 1.6108% | 1,354 |
| Return on Equity (ROE) | 22.1118% | 250 |
| Retained earnings to average equity (ytd only) | 19.5968% | 35 |
| Net charge-offs to loans | 0.2438% | 3,825 |
| Credit loss provision to net charge-offs | 152.9915% | 3,416 |
| Earnings coverage of net charge-offs (x) | 10.2137% | 2,555 |
| Efficiency ratio | 66.2048% | 5,085 |
| Assets per employee ($millions) | 3.0384% | 5,961 |
| Cash dividends to net income (ytd only)* | 11.3740% | 4,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,417 |
| Loan loss allowance to noncurrent loans | 137.4168% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 5,356 |
| Noncurrent loans to loans | 0.6885% | 5,319 |
| Net loans and leases to total assets | 75.6624% | 2,715 |
| Net loans and leases to deposits | 83.4716% | 4,503 |
| Net loans and leases to core deposits | 110.9652% | 3,691 |
| Total domestic deposits to total assets | 90.6445% | 445 |
| Equity capital to assets | 7.7974% | 7,099 |
| Core capital (leverage) ratio | 7.5224% | 7,184 |
| Tier 1 risk-based capital ratio | 9.1880% | 7,627 |
| Total risk-based capital ratio | 10.0794% | 7,936 |
| Memoranda: | ||
| Average total assets | $136,457,400 | 4,149 |
| Average earning assets | $125,440,400 | 4,143 |
| Average equity | $9,940,400 | 5,430 |
| Average total loans | $95,970,000 | 4,055 |