Home > First National Bank of the Mid-Cities > Performance and Condition Ratios
First National Bank of the Mid-Cities, 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 | 4.6838% | 2,988 |
| Cost of funding earning assets | 0.4206% | 6,163 |
| Net interest margin | 4.2632% | 1,570 |
| Noninterest income to average assets | 0.8724% | 1,885 |
| Noninterest expense to average assets | 4.0787% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3795% | 5,301 |
| Return on assets (ROA) | 0.3795% | 5,531 |
| Pretax return on assets | 0.5835% | 5,197 |
| Return on Equity (ROE) | 3.9454% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.9454% | 3,992 |
| Net charge-offs to loans | 0.0904% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 2,066 |
| Efficiency ratio | 87.4848% | 1,284 |
| Assets per employee ($millions) | 2.4686% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 6,124 |
| Loan loss allowance to noncurrent loans | 16.9783% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 4.8581% | 996 |
| Noncurrent loans to loans | 5.9435% | 742 |
| Net loans and leases to total assets | 64.4310% | 2,950 |
| Net loans and leases to deposits | 72.8069% | 3,485 |
| Net loans and leases to core deposits | 74.1575% | 4,011 |
| Total domestic deposits to total assets | 88.4957% | 1,822 |
| Equity capital to assets | 9.9505% | 4,414 |
| Core capital (leverage) ratio | 9.8857% | 3,600 |
| Tier 1 risk-based capital ratio | 14.0819% | 4,378 |
| Total risk-based capital ratio | 15.0344% | 4,579 |
| Memoranda: | ||
| Average total assets | $35,305,330 | 6,759 |
| Average earning assets | $31,385,000 | 6,757 |
| Average equity | $3,396,330 | 6,834 |
| Average total loans | $22,111,670 | 6,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 3,659 |
| Cost of funding earning assets | 0.4413% | 6,201 |
| Net interest margin | 4.1235% | 2,012 |
| Noninterest income to average assets | 0.8857% | 1,812 |
| Noninterest expense to average assets | 3.9913% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3588% | 5,436 |
| Return on assets (ROA) | 0.3588% | 5,622 |
| Pretax return on assets | 0.5606% | 5,236 |
| Return on Equity (ROE) | 3.7926% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.7926% | 4,311 |
| Net charge-offs to loans | -0.0365% | 6,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6847% | 1,311 |
| Assets per employee ($millions) | 2.4793% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,095 |
| Loan loss allowance to noncurrent loans | 29.5792% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 2.7370% | 2,152 |
| Noncurrent loans to loans | 3.5375% | 1,756 |
| Net loans and leases to total assets | 65.1167% | 2,631 |
| Net loans and leases to deposits | 73.4762% | 3,201 |
| Net loans and leases to core deposits | 74.8262% | 3,776 |
| Total domestic deposits to total assets | 88.6229% | 1,942 |
| Equity capital to assets | 9.7926% | 4,386 |
| Core capital (leverage) ratio | 9.5060% | 4,038 |
| Tier 1 risk-based capital ratio | 14.2974% | 4,238 |
| Total risk-based capital ratio | 15.3263% | 4,382 |
| Memoranda: | ||
| Average total assets | $35,677,500 | 6,806 |
| Average earning assets | $31,721,000 | 6,803 |
| Average equity | $3,375,000 | 6,882 |
| Average total loans | $21,920,000 | 6,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 2,840 |
| Cost of funding earning assets | 0.6152% | 6,009 |
| Net interest margin | 4.3941% | 1,411 |
| Noninterest income to average assets | 0.8733% | 1,761 |
| Noninterest expense to average assets | 4.2991% | 719 |
| Loan and lease loss provision to assets | 0.0507% | 5,954 |
| Net operating income to assets | 0.2293% | 5,492 |
| Return on assets (ROA) | 0.2423% | 5,596 |
| Pretax return on assets | 0.3662% | 5,384 |
| Return on Equity (ROE) | 2.6097% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.6097% | 4,369 |
| Net charge-offs to loans | 0.2185% | 4,422 |
| Credit loss provision to net charge-offs | 39.1304% | 5,643 |
| Earnings coverage of net charge-offs (x) | 3.0652% | 3,676 |
| Efficiency ratio | 91.5417% | 1,075 |
| Assets per employee ($millions) | 2.4430% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,699 |
| Loan loss allowance to noncurrent loans | 26.9625% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 2.7862% | 2,178 |
| Noncurrent loans to loans | 4.1859% | 1,470 |
| Net loans and leases to total assets | 56.6571% | 4,601 |
| Net loans and leases to deposits | 63.3993% | 5,079 |
| Net loans and leases to core deposits | 64.4903% | 5,415 |
| Total domestic deposits to total assets | 89.3655% | 1,326 |
| Equity capital to assets | 9.1445% | 5,361 |
| Core capital (leverage) ratio | 9.2054% | 4,455 |
| Tier 1 risk-based capital ratio | 15.0041% | 3,638 |
| Total risk-based capital ratio | 16.0856% | 3,711 |
| Memoranda: | ||
| Average total assets | $35,496,200 | 6,811 |
| Average earning assets | $30,882,200 | 6,842 |
| Average equity | $3,295,400 | 6,934 |
| Average total loans | $21,054,400 | 6,604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 2,790 |
| Cost of funding earning assets | 0.6564% | 6,004 |
| Net interest margin | 4.4063% | 1,390 |
| Noninterest income to average assets | 0.9051% | 1,629 |
| Noninterest expense to average assets | 4.5252% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1250% | 5,902 |
| Return on assets (ROA) | 0.1250% | 6,020 |
| Pretax return on assets | 0.1931% | 5,908 |
| Return on Equity (ROE) | 1.3409% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.3409% | 5,469 |
| Net charge-offs to loans | 0.2215% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.4570% | 4,542 |
| Efficiency ratio | 95.9069% | 829 |
| Assets per employee ($millions) | 2.5894% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,991 |
| Loan loss allowance to noncurrent loans | 176.9231% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 5,283 |
| Noncurrent loans to loans | 0.6049% | 5,677 |
| Net loans and leases to total assets | 58.6506% | 4,385 |
| Net loans and leases to deposits | 65.3873% | 4,993 |
| Net loans and leases to core deposits | 66.5186% | 5,361 |
| Total domestic deposits to total assets | 89.6971% | 1,045 |
| Equity capital to assets | 9.1885% | 5,527 |
| Core capital (leverage) ratio | 9.3361% | 4,403 |
| Tier 1 risk-based capital ratio | 14.8925% | 3,724 |
| Total risk-based capital ratio | 15.9510% | 3,816 |
| Memoranda: | ||
| Average total assets | $35,209,000 | 6,887 |
| Average earning assets | $30,470,750 | 6,922 |
| Average equity | $3,281,500 | 6,997 |
| Average total loans | $21,068,250 | 6,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 2,062 |
| Cost of funding earning assets | 0.7099% | 5,905 |
| Net interest margin | 4.5404% | 1,033 |
| Noninterest income to average assets | 0.8778% | 1,725 |
| Noninterest expense to average assets | 4.4462% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2123% | 5,698 |
| Return on assets (ROA) | 0.2123% | 5,816 |
| Pretax return on assets | 0.3213% | 5,623 |
| Return on Equity (ROE) | 2.2665% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.2665% | 4,846 |
| Net charge-offs to loans | 0.2294% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,658 |
| Efficiency ratio | 93.2611% | 1,025 |
| Assets per employee ($millions) | 2.1441% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,681 |
| Loan loss allowance to noncurrent loans | 753.1250% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 5,894 |
| Noncurrent loans to loans | 0.1549% | 6,592 |
| Net loans and leases to total assets | 59.5307% | 4,367 |
| Net loans and leases to deposits | 66.6123% | 4,906 |
| Net loans and leases to core deposits | 67.1644% | 5,372 |
| Total domestic deposits to total assets | 89.3689% | 1,318 |
| Equity capital to assets | 9.5788% | 4,692 |
| Core capital (leverage) ratio | 9.4170% | 4,077 |
| Tier 1 risk-based capital ratio | 14.5168% | 3,772 |
| Total risk-based capital ratio | 15.5966% | 3,877 |
| Memoranda: | ||
| Average total assets | $34,861,330 | 6,964 |
| Average earning assets | $29,865,000 | 7,001 |
| Average equity | $3,265,000 | 7,054 |
| Average total loans | $20,927,000 | 6,748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 2,534 |
| Cost of funding earning assets | 0.7549% | 5,831 |
| Net interest margin | 4.3702% | 1,368 |
| Noninterest income to average assets | 0.7399% | 2,317 |
| Noninterest expense to average assets | 4.3029% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1252% | 6,024 |
| Return on assets (ROA) | 0.1252% | 6,083 |
| Pretax return on assets | 0.1935% | 5,953 |
| Return on Equity (ROE) | 1.3520% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.3520% | 5,286 |
| Net charge-offs to loans | 0.3989% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.8095% | 4,036 |
| Efficiency ratio | 95.6962% | 936 |
| Assets per employee ($millions) | 2.0634% | 7,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 5,671 |
| Loan loss allowance to noncurrent loans | 4,880.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 6,156 |
| Noncurrent loans to loans | 0.0245% | 7,004 |
| Net loans and leases to total assets | 57.5945% | 4,704 |
| Net loans and leases to deposits | 64.1569% | 5,234 |
| Net loans and leases to core deposits | 64.6744% | 5,659 |
| Total domestic deposits to total assets | 89.7714% | 1,308 |
| Equity capital to assets | 9.2936% | 4,737 |
| Core capital (leverage) ratio | 9.2444% | 4,218 |
| Tier 1 risk-based capital ratio | 14.5240% | 3,718 |
| Total risk-based capital ratio | 15.6270% | 3,783 |
| Memoranda: | ||
| Average total assets | $35,139,500 | 7,004 |
| Average earning assets | $30,204,500 | 7,044 |
| Average equity | $3,254,500 | 7,095 |
| Average total loans | $21,059,000 | 6,792 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 841 |
| Cost of funding earning assets | 0.9962% | 5,718 |
| Net interest margin | 5.0087% | 423 |
| Noninterest income to average assets | 0.9921% | 1,526 |
| Noninterest expense to average assets | 4.4965% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4725% | 4,219 |
| Return on assets (ROA) | 0.4725% | 4,381 |
| Pretax return on assets | 0.7162% | 3,914 |
| Return on Equity (ROE) | 5.3478% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.3478% | 2,228 |
| Net charge-offs to loans | 0.5105% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.1217% | 4,132 |
| Efficiency ratio | 86.2613% | 1,666 |
| Assets per employee ($millions) | 2.3467% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,403 |
| Loan loss allowance to noncurrent loans | 148.8764% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 5,200 |
| Noncurrent loans to loans | 0.8214% | 5,406 |
| Net loans and leases to total assets | 60.8108% | 4,522 |
| Net loans and leases to deposits | 67.6314% | 5,152 |
| Net loans and leases to core deposits | 68.1720% | 5,642 |
| Total domestic deposits to total assets | 89.9151% | 1,153 |
| Equity capital to assets | 9.2299% | 4,791 |
| Core capital (leverage) ratio | 9.0370% | 4,479 |
| Tier 1 risk-based capital ratio | 13.9072% | 3,923 |
| Total risk-based capital ratio | 15.0582% | 3,969 |
| Memoranda: | ||
| Average total assets | $34,070,600 | 7,074 |
| Average earning assets | $28,710,200 | 7,137 |
| Average equity | $3,010,600 | 7,275 |
| Average total loans | $22,528,200 | 6,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8775% | 1,188 |
| Cost of funding earning assets | 1.0259% | 5,824 |
| Net interest margin | 4.8516% | 603 |
| Noninterest income to average assets | 1.1641% | 1,028 |
| Noninterest expense to average assets | 4.6208% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4025% | 4,740 |
| Return on assets (ROA) | 0.4025% | 4,915 |
| Pretax return on assets | 0.6116% | 4,558 |
| Return on Equity (ROE) | 4.6086% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.6086% | 3,254 |
| Net charge-offs to loans | 0.4280% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.1233% | 4,133 |
| Efficiency ratio | 88.3107% | 1,429 |
| Assets per employee ($millions) | 2.2647% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,555 |
| Loan loss allowance to noncurrent loans | 53.3913% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9694% | 3,511 |
| Noncurrent loans to loans | 2.5916% | 3,030 |
| Net loans and leases to total assets | 64.4098% | 4,041 |
| Net loans and leases to deposits | 72.2041% | 4,812 |
| Net loans and leases to core deposits | 72.8047% | 5,425 |
| Total domestic deposits to total assets | 89.2052% | 1,283 |
| Equity capital to assets | 8.8608% | 5,757 |
| Core capital (leverage) ratio | 9.1675% | 4,430 |
| Tier 1 risk-based capital ratio | 13.1193% | 4,485 |
| Total risk-based capital ratio | 14.3382% | 4,483 |
| Memoranda: | ||
| Average total assets | $33,788,000 | 7,169 |
| Average earning assets | $28,333,250 | 7,232 |
| Average equity | $2,951,000 | 7,383 |
| Average total loans | $22,742,500 | 6,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 1,203 |
| Cost of funding earning assets | 1.0543% | 5,901 |
| Net interest margin | 4.8401% | 612 |
| Noninterest income to average assets | 1.0081% | 1,359 |
| Noninterest expense to average assets | 4.6075% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3008% | 5,182 |
| Return on assets (ROA) | 0.3321% | 5,212 |
| Pretax return on assets | 0.5040% | 4,888 |
| Return on Equity (ROE) | 3.8208% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.8208% | 3,659 |
| Net charge-offs to loans | 0.2966% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 3,875 |
| Efficiency ratio | 90.9836% | 1,265 |
| Assets per employee ($millions) | 2.0967% | 7,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 4,158 |
| Loan loss allowance to noncurrent loans | 83.9806% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 4,192 |
| Noncurrent loans to loans | 1.7314% | 4,089 |
| Net loans and leases to total assets | 69.9019% | 2,927 |
| Net loans and leases to deposits | 78.2240% | 3,928 |
| Net loans and leases to core deposits | 78.2240% | 4,913 |
| Total domestic deposits to total assets | 89.3612% | 1,248 |
| Equity capital to assets | 8.8354% | 5,699 |
| Core capital (leverage) ratio | 8.9825% | 4,630 |
| Tier 1 risk-based capital ratio | 11.9488% | 5,351 |
| Total risk-based capital ratio | 13.1679% | 5,358 |
| Memoranda: | ||
| Average total assets | $33,727,330 | 7,224 |
| Average earning assets | $28,264,000 | 7,282 |
| Average equity | $2,931,330 | 7,436 |
| Average total loans | $22,927,670 | 6,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 1,498 |
| Cost of funding earning assets | 1.0925% | 5,949 |
| Net interest margin | 4.6961% | 785 |
| Noninterest income to average assets | 0.9226% | 1,549 |
| Noninterest expense to average assets | 4.6367% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1339% | 5,911 |
| Return on assets (ROA) | 0.1656% | 5,934 |
| Pretax return on assets | 0.2484% | 5,750 |
| Return on Equity (ROE) | 1.9211% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.9211% | 4,977 |
| Net charge-offs to loans | 0.3379% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.8947% | 4,245 |
| Efficiency ratio | 95.8435% | 1,035 |
| Assets per employee ($millions) | 2.3139% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,459 |
| Loan loss allowance to noncurrent loans | 86.5707% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.4722% | 4,299 |
| Noncurrent loans to loans | 1.8448% | 3,999 |
| Net loans and leases to total assets | 64.0842% | 4,306 |
| Net loans and leases to deposits | 71.1162% | 5,179 |
| Net loans and leases to core deposits | 71.1162% | 5,817 |
| Total domestic deposits to total assets | 90.1121% | 932 |
| Equity capital to assets | 8.4186% | 6,132 |
| Core capital (leverage) ratio | 8.9729% | 4,614 |
| Tier 1 risk-based capital ratio | 12.2671% | 4,928 |
| Total risk-based capital ratio | 13.5400% | 4,872 |
| Memoranda: | ||
| Average total assets | $33,817,500 | 7,315 |
| Average earning assets | $28,193,500 | 7,386 |
| Average equity | $2,915,000 | 7,519 |
| Average total loans | $22,493,500 | 7,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1703% | 1,320 |
| Cost of funding earning assets | 1.4072% | 5,903 |
| Net interest margin | 4.7631% | 748 |
| Noninterest income to average assets | 1.6538% | 528 |
| Noninterest expense to average assets | 6.5843% | 241 |
| Loan and lease loss provision to assets | 0.5595% | 3,579 |
| Net operating income to assets | -1.0053% | 6,580 |
| Return on assets (ROA) | -0.9160% | 6,526 |
| Pretax return on assets | -1.3802% | 6,639 |
| Return on Equity (ROE) | -9.8181% | 6,611 |
| Retained earnings to average equity (ytd only) | -9.8181% | 6,506 |
| Net charge-offs to loans | -0.1061% | 7,885 |
| Credit loss provision to net charge-offs | -758.3333% | 7,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9853% | 658 |
| Assets per employee ($millions) | 2.3519% | 7,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 2,897 |
| Loan loss allowance to noncurrent loans | 162.3932% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 5,116 |
| Noncurrent loans to loans | 1.0454% | 5,228 |
| Net loans and leases to total assets | 66.8256% | 3,967 |
| Net loans and leases to deposits | 74.1066% | 5,021 |
| Net loans and leases to core deposits | 90.9779% | 5,017 |
| Total domestic deposits to total assets | 90.1749% | 891 |
| Equity capital to assets | 8.8319% | 5,379 |
| Core capital (leverage) ratio | 9.2233% | 4,086 |
| Tier 1 risk-based capital ratio | 12.6298% | 4,418 |
| Total risk-based capital ratio | 13.8799% | 4,359 |
| Memoranda: | ||
| Average total assets | $32,531,800 | 7,379 |
| Average earning assets | $27,146,000 | 7,457 |
| Average equity | $3,035,200 | 7,577 |
| Average total loans | $22,612,800 | 7,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2095% | 1,352 |
| Cost of funding earning assets | 1.4625% | 5,989 |
| Net interest margin | 4.7470% | 761 |
| Noninterest income to average assets | 1.7800% | 461 |
| Noninterest expense to average assets | 7.2763% | 187 |
| Loan and lease loss provision to assets | 0.6906% | 2,668 |
| Net operating income to assets | -1.4719% | 7,092 |
| Return on assets (ROA) | -1.3525% | 7,034 |
| Pretax return on assets | -2.0431% | 7,204 |
| Return on Equity (ROE) | -14.3026% | 7,156 |
| Retained earnings to average equity (ytd only) | -14.3026% | 7,094 |
| Net charge-offs to loans | -0.2235% | 7,978 |
| Credit loss provision to net charge-offs | -442.1053% | 7,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7001% | 509 |
| Assets per employee ($millions) | 2.0536% | 7,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 2,696 |
| Loan loss allowance to noncurrent loans | 150.7937% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 4,973 |
| Noncurrent loans to loans | 1.1144% | 5,086 |
| Net loans and leases to total assets | 67.6659% | 4,031 |
| Net loans and leases to deposits | 75.0380% | 5,202 |
| Net loans and leases to core deposits | 91.7165% | 5,257 |
| Total domestic deposits to total assets | 90.1756% | 704 |
| Equity capital to assets | 9.0392% | 5,430 |
| Core capital (leverage) ratio | 9.2670% | 4,237 |
| Tier 1 risk-based capital ratio | 11.6198% | 5,317 |
| Total risk-based capital ratio | 12.8706% | 5,259 |
| Memoranda: | ||
| Average total assets | $32,433,250 | 7,447 |
| Average earning assets | $27,076,250 | 7,527 |
| Average equity | $3,067,000 | 7,640 |
| Average total loans | $22,670,250 | 7,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3366% | 1,121 |
| Cost of funding earning assets | 1.5637% | 5,867 |
| Net interest margin | 4.7730% | 693 |
| Noninterest income to average assets | 1.8271% | 437 |
| Noninterest expense to average assets | 8.3117% | 155 |
| Loan and lease loss provision to assets | 1.0405% | 1,633 |
| Net operating income to assets | -2.3538% | 7,528 |
| Return on assets (ROA) | -2.1739% | 7,466 |
| Pretax return on assets | -3.2825% | 7,630 |
| Return on Equity (ROE) | -22.6501% | 7,579 |
| Retained earnings to average equity (ytd only) | -22.6501% | 7,535 |
| Net charge-offs to loans | -0.5113% | 8,102 |
| Credit loss provision to net charge-offs | -289.6552% | 7,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.3761% | 404 |
| Assets per employee ($millions) | 1.0250% | 8,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,069 |
| Loan loss allowance to noncurrent loans | 80.1603% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 3,404 |
| Noncurrent loans to loans | 2.2360% | 3,208 |
| Net loans and leases to total assets | 71.2725% | 3,407 |
| Net loans and leases to deposits | 79.4872% | 4,624 |
| Net loans and leases to core deposits | 94.2869% | 5,086 |
| Total domestic deposits to total assets | 89.6654% | 973 |
| Equity capital to assets | 9.5867% | 4,500 |
| Core capital (leverage) ratio | 9.4872% | 3,907 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,330 |
| Total risk-based capital ratio | 12.7876% | 5,272 |
| Memoranda: | ||
| Average total assets | $32,292,000 | 7,520 |
| Average earning assets | $26,859,670 | 7,605 |
| Average equity | $3,099,330 | 7,699 |
| Average total loans | $22,689,330 | 7,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 3,171 |
| Cost of funding earning assets | 1.7823% | 5,195 |
| Net interest margin | 4.0428% | 2,478 |
| Noninterest income to average assets | 1.6938% | 473 |
| Noninterest expense to average assets | 8.7350% | 135 |
| Loan and lease loss provision to assets | 2.0325% | 592 |
| Net operating income to assets | -3.7626% | 7,959 |
| Return on assets (ROA) | -3.7626% | 7,952 |
| Pretax return on assets | -5.6983% | 8,033 |
| Return on Equity (ROE) | -39.1811% | 7,978 |
| Retained earnings to average equity (ytd only) | -39.1811% | 7,956 |
| Net charge-offs to loans | -1.4863% | 8,172 |
| Credit loss provision to net charge-offs | -197.6471% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.3150% | 268 |
| Assets per employee ($millions) | 1.1242% | 8,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 1,599 |
| Loan loss allowance to noncurrent loans | 44.1572% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.1839% | 1,748 |
| Noncurrent loans to loans | 4.3288% | 1,350 |
| Net loans and leases to total assets | 67.2106% | 4,305 |
| Net loans and leases to deposits | 74.3309% | 5,443 |
| Net loans and leases to core deposits | 89.6600% | 5,590 |
| Total domestic deposits to total assets | 90.4208% | 628 |
| Equity capital to assets | 9.2540% | 5,004 |
| Core capital (leverage) ratio | 9.1955% | 4,408 |
| Tier 1 risk-based capital ratio | 11.5344% | 5,374 |
| Total risk-based capital ratio | 12.7876% | 5,269 |
| Memoranda: | ||
| Average total assets | $33,062,500 | 7,526 |
| Average earning assets | $27,604,500 | 7,625 |
| Average equity | $3,175,000 | 7,727 |
| Average total loans | $22,875,500 | 7,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5580% | 2,679 |
| Cost of funding earning assets | 2.4601% | 4,423 |
| Net interest margin | 4.0979% | 2,720 |
| Noninterest income to average assets | 2.6783% | 234 |
| Noninterest expense to average assets | 7.6500% | 243 |
| Loan and lease loss provision to assets | 0.0271% | 7,057 |
| Net operating income to assets | -1.0383% | 7,268 |
| Return on assets (ROA) | -1.0383% | 7,190 |
| Pretax return on assets | -1.5804% | 7,293 |
| Return on Equity (ROE) | -10.8462% | 7,332 |
| Retained earnings to average equity (ytd only) | -10.8462% | 7,147 |
| Net charge-offs to loans | 0.4249% | 2,694 |
| Credit loss provision to net charge-offs | 11.1111% | 6,619 |
| Earnings coverage of net charge-offs (x) | -6.3667% | 6,860 |
| Efficiency ratio | 125.4780% | 504 |
| Assets per employee ($millions) | 1.5963% | 8,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 7,320 |
| Loan loss allowance to noncurrent loans | 44.9612% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 3,265 |
| Noncurrent loans to loans | 1.6530% | 3,292 |
| Net loans and leases to total assets | 69.3196% | 4,188 |
| Net loans and leases to deposits | 78.2187% | 5,308 |
| Net loans and leases to core deposits | 98.1666% | 5,023 |
| Total domestic deposits to total assets | 88.6227% | 1,194 |
| Equity capital to assets | 9.9424% | 4,107 |
| Core capital (leverage) ratio | 9.8325% | 3,608 |
| Tier 1 risk-based capital ratio | 12.1996% | 4,667 |
| Total risk-based capital ratio | 12.8351% | 5,052 |
| Memoranda: | ||
| Average total assets | $36,888,800 | 7,347 |
| Average earning assets | $30,771,600 | 7,473 |
| Average equity | $3,531,200 | 7,667 |
| Average total loans | $21,182,600 | 7,252 |