Home > First Texas Bank > Performance and Condition Ratios
First Texas Bank, Performance and Condition Ratios
| 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 | 4.1438% | 5,301 |
| Cost of funding earning assets | 0.1910% | 7,123 |
| Net interest margin | 3.9528% | 2,703 |
| Noninterest income to average assets | 0.7562% | 2,368 |
| Noninterest expense to average assets | 3.1262% | 2,830 |
| Loan and lease loss provision to assets | 0.0463% | 4,822 |
| Net operating income to assets | 0.8598% | 3,107 |
| Return on assets (ROA) | 0.8598% | 3,339 |
| Pretax return on assets | 1.2787% | 2,619 |
| Return on Equity (ROE) | 9.8790% | 2,443 |
| Retained earnings to average equity (ytd only) | 0.3800% | 5,873 |
| Net charge-offs to loans | 0.1216% | 3,381 |
| Credit loss provision to net charge-offs | 87.5000% | 2,592 |
| Earnings coverage of net charge-offs (x) | 25.0417% | 1,040 |
| Efficiency ratio | 70.2328% | 3,764 |
| Assets per employee ($millions) | 3.6452% | 4,778 |
| Cash dividends to net income (ytd only)* | 96.1538% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,530 |
| Loan loss allowance to noncurrent loans | 650.0000% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 6,744 |
| Noncurrent loans to loans | 0.1385% | 6,413 |
| Net loans and leases to total assets | 43.1959% | 6,081 |
| Net loans and leases to deposits | 47.9374% | 6,291 |
| Net loans and leases to core deposits | 50.6491% | 6,296 |
| Total domestic deposits to total assets | 90.1091% | 1,026 |
| Equity capital to assets | 8.6608% | 5,918 |
| Core capital (leverage) ratio | 8.6884% | 5,315 |
| Tier 1 risk-based capital ratio | 14.6722% | 3,974 |
| Total risk-based capital ratio | 15.3531% | 4,368 |
| Memoranda: | ||
| Average total assets | $181,431,500 | 3,355 |
| Average earning assets | $169,602,000 | 3,294 |
| Average equity | $15,791,000 | 3,846 |
| Average total loans | $78,957,500 | 4,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 5,149 |
| Cost of funding earning assets | 0.2835% | 7,130 |
| Net interest margin | 4.1980% | 2,065 |
| Noninterest income to average assets | 0.7685% | 2,241 |
| Noninterest expense to average assets | 3.1420% | 3,057 |
| Loan and lease loss provision to assets | 0.0318% | 6,169 |
| Net operating income to assets | 1.0150% | 2,149 |
| Return on assets (ROA) | 1.0150% | 2,292 |
| Pretax return on assets | 1.5104% | 1,439 |
| Return on Equity (ROE) | 11.2891% | 1,623 |
| Retained earnings to average equity (ytd only) | 1.6568% | 5,025 |
| Net charge-offs to loans | 0.0429% | 5,877 |
| Credit loss provision to net charge-offs | 161.7647% | 1,704 |
| Earnings coverage of net charge-offs (x) | 78.5588% | 377 |
| Efficiency ratio | 67.0775% | 4,560 |
| Assets per employee ($millions) | 3.4076% | 5,226 |
| Cash dividends to net income (ytd only)* | 85.3242% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,501 |
| Loan loss allowance to noncurrent loans | 330.8756% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 6,657 |
| Noncurrent loans to loans | 0.2765% | 6,172 |
| Net loans and leases to total assets | 43.0520% | 6,297 |
| Net loans and leases to deposits | 47.7434% | 6,514 |
| Net loans and leases to core deposits | 50.4958% | 6,506 |
| Total domestic deposits to total assets | 90.1736% | 894 |
| Equity capital to assets | 8.7467% | 5,852 |
| Core capital (leverage) ratio | 8.5632% | 5,458 |
| Tier 1 risk-based capital ratio | 14.9218% | 3,684 |
| Total risk-based capital ratio | 15.6179% | 4,035 |
| Memoranda: | ||
| Average total assets | $173,202,800 | 3,438 |
| Average earning assets | $161,554,000 | 3,375 |
| Average equity | $15,572,600 | 3,797 |
| Average total loans | $79,282,000 | 4,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 5,124 |
| Cost of funding earning assets | 0.3029% | 7,206 |
| Net interest margin | 4.2369% | 1,960 |
| Noninterest income to average assets | 0.7688% | 2,201 |
| Noninterest expense to average assets | 3.1754% | 2,901 |
| Loan and lease loss provision to assets | 0.0412% | 5,920 |
| Net operating income to assets | 1.0100% | 2,283 |
| Return on assets (ROA) | 1.0100% | 2,438 |
| Pretax return on assets | 1.5033% | 1,644 |
| Return on Equity (ROE) | 11.1534% | 1,807 |
| Retained earnings to average equity (ytd only) | 1.4865% | 5,394 |
| Net charge-offs to loans | 0.0570% | 5,404 |
| Credit loss provision to net charge-offs | 155.8824% | 1,993 |
| Earnings coverage of net charge-offs (x) | 58.3852% | 568 |
| Efficiency ratio | 67.2766% | 4,470 |
| Assets per employee ($millions) | 3.4483% | 5,122 |
| Cash dividends to net income (ytd only)* | 86.6718% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,518 |
| 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 | 43.4532% | 6,388 |
| Net loans and leases to deposits | 48.3463% | 6,606 |
| Net loans and leases to core deposits | 51.4977% | 6,595 |
| Total domestic deposits to total assets | 89.8792% | 935 |
| Equity capital to assets | 8.9540% | 5,802 |
| Core capital (leverage) ratio | 8.8351% | 5,205 |
| Tier 1 risk-based capital ratio | 15.0257% | 3,647 |
| Total risk-based capital ratio | 15.7285% | 3,965 |
| Memoranda: | ||
| Average total assets | $171,352,250 | 3,494 |
| Average earning assets | $159,797,750 | 3,427 |
| Average equity | $15,516,500 | 3,822 |
| Average total loans | $79,484,500 | 4,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 4,901 |
| Cost of funding earning assets | 0.3185% | 7,280 |
| Net interest margin | 4.2975% | 1,665 |
| Noninterest income to average assets | 0.7595% | 2,210 |
| Noninterest expense to average assets | 3.2111% | 2,863 |
| Loan and lease loss provision to assets | 0.0377% | 5,841 |
| Net operating income to assets | 1.0174% | 2,154 |
| Return on assets (ROA) | 1.0174% | 2,249 |
| Pretax return on assets | 1.5143% | 1,493 |
| Return on Equity (ROE) | 11.1919% | 1,729 |
| Retained earnings to average equity (ytd only) | 1.4767% | 5,244 |
| Net charge-offs to loans | 0.0673% | 4,966 |
| Credit loss provision to net charge-offs | 118.5185% | 2,594 |
| Earnings coverage of net charge-offs (x) | 48.8148% | 634 |
| Efficiency ratio | 67.4166% | 4,624 |
| Assets per employee ($millions) | 3.1313% | 5,801 |
| Cash dividends to net income (ytd only)* | 86.8056% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,655 |
| 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 | 45.6508% | 6,304 |
| Net loans and leases to deposits | 50.9092% | 6,539 |
| Net loans and leases to core deposits | 54.5350% | 6,530 |
| Total domestic deposits to total assets | 89.6711% | 1,134 |
| Equity capital to assets | 9.2171% | 5,254 |
| Core capital (leverage) ratio | 8.8582% | 4,945 |
| Tier 1 risk-based capital ratio | 14.9275% | 3,531 |
| Total risk-based capital ratio | 15.6148% | 3,861 |
| Memoranda: | ||
| Average total assets | $169,848,000 | 3,538 |
| Average earning assets | $158,232,670 | 3,472 |
| Average equity | $15,439,670 | 3,829 |
| Average total loans | $80,267,670 | 4,202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 4,925 |
| Cost of funding earning assets | 0.3274% | 7,355 |
| Net interest margin | 4.2770% | 1,635 |
| Noninterest income to average assets | 0.7378% | 2,331 |
| Noninterest expense to average assets | 3.2286% | 2,786 |
| Loan and lease loss provision to assets | 0.0305% | 5,584 |
| Net operating income to assets | 0.9869% | 2,224 |
| Return on assets (ROA) | 0.9869% | 2,282 |
| Pretax return on assets | 1.4686% | 1,539 |
| Return on Equity (ROE) | 10.9325% | 1,760 |
| Retained earnings to average equity (ytd only) | 1.1713% | 5,354 |
| Net charge-offs to loans | 0.1326% | 3,716 |
| Credit loss provision to net charge-offs | 48.1481% | 3,794 |
| Earnings coverage of net charge-offs (x) | 23.6296% | 1,010 |
| Efficiency ratio | 68.2903% | 4,601 |
| Assets per employee ($millions) | 2.9337% | 6,273 |
| Cash dividends to net income (ytd only)* | 89.2857% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 6,830 |
| 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 | 47.1168% | 6,176 |
| Net loans and leases to deposits | 52.4693% | 6,439 |
| Net loans and leases to core deposits | 56.1968% | 6,398 |
| Total domestic deposits to total assets | 89.7988% | 1,283 |
| Equity capital to assets | 9.0634% | 5,107 |
| Core capital (leverage) ratio | 9.1268% | 4,401 |
| Tier 1 risk-based capital ratio | 14.6339% | 3,652 |
| Total risk-based capital ratio | 15.2923% | 4,027 |
| Memoranda: | ||
| Average total assets | $170,228,000 | 3,552 |
| Average earning assets | $158,804,500 | 3,493 |
| Average equity | $15,367,000 | 3,833 |
| Average total loans | $81,455,500 | 4,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 4,598 |
| Cost of funding earning assets | 0.4467% | 7,373 |
| Net interest margin | 4.5458% | 1,144 |
| Noninterest income to average assets | 0.7870% | 2,345 |
| Noninterest expense to average assets | 3.4199% | 2,382 |
| Loan and lease loss provision to assets | 0.0400% | 6,757 |
| Net operating income to assets | 1.0284% | 1,940 |
| Return on assets (ROA) | 1.0284% | 2,045 |
| Pretax return on assets | 1.5292% | 1,301 |
| Return on Equity (ROE) | 11.2683% | 1,511 |
| Retained earnings to average equity (ytd only) | 1.4470% | 4,806 |
| Net charge-offs to loans | 0.0069% | 6,774 |
| Credit loss provision to net charge-offs | 1,116.6667% | 202 |
| Earnings coverage of net charge-offs (x) | 437.6667% | 53 |
| Efficiency ratio | 68.5471% | 4,447 |
| Assets per employee ($millions) | 2.9877% | 6,127 |
| Cash dividends to net income (ytd only)* | 87.1586% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,856 |
| Loan loss allowance to noncurrent loans | 1,181.3559% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 7,149 |
| Noncurrent loans to loans | 0.0719% | 6,946 |
| Net loans and leases to total assets | 47.7739% | 6,412 |
| Net loans and leases to deposits | 53.0617% | 6,669 |
| Net loans and leases to core deposits | 57.9918% | 6,562 |
| Total domestic deposits to total assets | 90.0346% | 1,079 |
| Equity capital to assets | 8.9912% | 5,151 |
| Core capital (leverage) ratio | 8.8053% | 4,846 |
| Tier 1 risk-based capital ratio | 14.4859% | 3,552 |
| Total risk-based capital ratio | 15.1531% | 3,904 |
| Memoranda: | ||
| Average total assets | $167,343,800 | 3,586 |
| Average earning assets | $154,692,800 | 3,558 |
| Average equity | $15,273,000 | 3,891 |
| Average total loans | $87,312,400 | 4,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 4,521 |
| Cost of funding earning assets | 0.4592% | 7,507 |
| Net interest margin | 4.6043% | 1,034 |
| Noninterest income to average assets | 0.7955% | 2,254 |
| Noninterest expense to average assets | 3.4068% | 2,272 |
| Loan and lease loss provision to assets | 0.0472% | 6,613 |
| Net operating income to assets | 1.0652% | 2,019 |
| Return on assets (ROA) | 1.0652% | 2,133 |
| Pretax return on assets | 1.5861% | 1,378 |
| Return on Equity (ROE) | 11.6268% | 1,610 |
| Retained earnings to average equity (ytd only) | 1.7995% | 5,061 |
| Net charge-offs to loans | 0.0466% | 6,059 |
| Credit loss provision to net charge-offs | 190.3226% | 1,891 |
| Earnings coverage of net charge-offs (x) | 65.8425% | 454 |
| Efficiency ratio | 67.5929% | 4,543 |
| Assets per employee ($millions) | 2.9969% | 6,157 |
| Cash dividends to net income (ytd only)* | 84.5229% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 7,078 |
| Loan loss allowance to noncurrent loans | 1,443.4783% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,289 |
| Noncurrent loans to loans | 0.0528% | 7,113 |
| Net loans and leases to total assets | 50.6463% | 6,254 |
| Net loans and leases to deposits | 56.3346% | 6,592 |
| Net loans and leases to core deposits | 61.8204% | 6,480 |
| Total domestic deposits to total assets | 89.9026% | 927 |
| Equity capital to assets | 9.0472% | 5,514 |
| Core capital (leverage) ratio | 8.9226% | 4,820 |
| Tier 1 risk-based capital ratio | 13.7295% | 4,033 |
| Total risk-based capital ratio | 14.3324% | 4,492 |
| Memoranda: | ||
| Average total assets | $166,604,750 | 3,644 |
| Average earning assets | $153,590,250 | 3,630 |
| Average equity | $15,263,250 | 3,938 |
| Average total loans | $88,626,500 | 4,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 4,403 |
| Cost of funding earning assets | 0.4675% | 7,585 |
| Net interest margin | 4.6423% | 908 |
| Noninterest income to average assets | 0.8027% | 2,101 |
| Noninterest expense to average assets | 3.4141% | 2,225 |
| Loan and lease loss provision to assets | 0.0291% | 6,655 |
| Net operating income to assets | 1.0932% | 1,879 |
| Return on assets (ROA) | 1.0932% | 1,947 |
| Pretax return on assets | 1.6271% | 1,220 |
| Return on Equity (ROE) | 11.8821% | 1,480 |
| Retained earnings to average equity (ytd only) | 2.0132% | 4,853 |
| Net charge-offs to loans | 0.0673% | 5,470 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 648 |
| Efficiency ratio | 67.3352% | 4,709 |
| Assets per employee ($millions) | 2.6633% | 6,840 |
| Cash dividends to net income (ytd only)* | 83.0565% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 7,245 |
| Loan loss allowance to noncurrent loans | 3,711.7647% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 7,388 |
| Noncurrent loans to loans | 0.0189% | 7,280 |
| Net loans and leases to total assets | 53.1560% | 6,094 |
| Net loans and leases to deposits | 59.1167% | 6,489 |
| Net loans and leases to core deposits | 65.4995% | 6,281 |
| Total domestic deposits to total assets | 89.9171% | 955 |
| Equity capital to assets | 9.1198% | 5,262 |
| Core capital (leverage) ratio | 9.1225% | 4,426 |
| Tier 1 risk-based capital ratio | 13.7118% | 3,928 |
| Total risk-based capital ratio | 14.2861% | 4,365 |
| Memoranda: | ||
| Average total assets | $165,197,670 | 3,687 |
| Average earning assets | $151,864,000 | 3,674 |
| Average equity | $15,199,330 | 3,953 |
| Average total loans | $89,108,330 | 4,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 4,136 |
| Cost of funding earning assets | 0.4847% | 7,696 |
| Net interest margin | 4.6947% | 787 |
| Noninterest income to average assets | 0.8078% | 1,980 |
| Noninterest expense to average assets | 3.4045% | 2,223 |
| Loan and lease loss provision to assets | 0.0586% | 6,058 |
| Net operating income to assets | 1.1055% | 1,814 |
| Return on assets (ROA) | 1.1055% | 1,895 |
| Pretax return on assets | 1.6473% | 1,168 |
| Return on Equity (ROE) | 11.9620% | 1,511 |
| Retained earnings to average equity (ytd only) | 2.0597% | 4,892 |
| Net charge-offs to loans | 0.0631% | 4,785 |
| Credit loss provision to net charge-offs | 171.4286% | 2,113 |
| Earnings coverage of net charge-offs (x) | 49.9286% | 582 |
| Efficiency ratio | 66.6189% | 4,984 |
| Assets per employee ($millions) | 2.7528% | 6,749 |
| Cash dividends to net income (ytd only)* | 82.7815% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 7,295 |
| 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 | 54.3183% | 5,987 |
| Net loans and leases to deposits | 60.6152% | 6,399 |
| Net loans and leases to core deposits | 66.9302% | 6,213 |
| Total domestic deposits to total assets | 89.6117% | 1,176 |
| Equity capital to assets | 9.3453% | 4,769 |
| Core capital (leverage) ratio | 9.1899% | 4,245 |
| Tier 1 risk-based capital ratio | 13.8327% | 3,778 |
| Total risk-based capital ratio | 14.4297% | 4,180 |
| Memoranda: | ||
| Average total assets | $163,902,000 | 3,768 |
| Average earning assets | $150,210,500 | 3,752 |
| Average equity | $15,148,000 | 3,989 |
| Average total loans | $88,752,000 | 4,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 4,908 |
| Cost of funding earning assets | 0.5496% | 7,802 |
| Net interest margin | 4.8081% | 685 |
| Noninterest income to average assets | 0.8148% | 2,333 |
| Noninterest expense to average assets | 3.5014% | 2,369 |
| Loan and lease loss provision to assets | 0.0130% | 7,360 |
| Net operating income to assets | 1.1642% | 1,352 |
| Return on assets (ROA) | 1.1642% | 1,381 |
| Pretax return on assets | 1.7358% | 721 |
| Return on Equity (ROE) | 12.6028% | 1,039 |
| Retained earnings to average equity (ytd only) | 2.5259% | 3,379 |
| Net charge-offs to loans | 0.0067% | 7,144 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 469.6667% | 57 |
| Efficiency ratio | 66.6903% | 5,249 |
| Assets per employee ($millions) | 2.8516% | 6,557 |
| Cash dividends to net income (ytd only)* | 79.9574% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 7,336 |
| Loan loss allowance to noncurrent loans | 714.6067% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 7,361 |
| Noncurrent loans to loans | 0.1004% | 7,163 |
| Net loans and leases to total assets | 53.2079% | 6,287 |
| Net loans and leases to deposits | 59.1269% | 6,696 |
| Net loans and leases to core deposits | 71.9021% | 6,669 |
| Total domestic deposits to total assets | 89.9892% | 966 |
| Equity capital to assets | 9.1408% | 4,928 |
| Core capital (leverage) ratio | 9.0135% | 4,393 |
| Tier 1 risk-based capital ratio | 13.6421% | 3,728 |
| Total risk-based capital ratio | 14.2239% | 4,108 |
| Memoranda: | ||
| Average total assets | $161,134,800 | 3,749 |
| Average earning assets | $148,646,400 | 3,739 |
| Average equity | $14,885,600 | 4,080 |
| Average total loans | $89,536,200 | 4,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 4,897 |
| Cost of funding earning assets | 0.5627% | 7,904 |
| Net interest margin | 4.8471% | 629 |
| Noninterest income to average assets | 0.8196% | 2,340 |
| Noninterest expense to average assets | 3.5892% | 2,047 |
| Loan and lease loss provision to assets | 0.0150% | 7,187 |
| Net operating income to assets | 1.1311% | 1,633 |
| Return on assets (ROA) | 1.1311% | 1,710 |
| Pretax return on assets | 1.6859% | 1,000 |
| Return on Equity (ROE) | 12.2112% | 1,307 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,155 |
| Net charge-offs to loans | 0.0089% | 6,831 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 340.3250% | 110 |
| Efficiency ratio | 67.8476% | 5,011 |
| Assets per employee ($millions) | 2.7733% | 6,696 |
| Cash dividends to net income (ytd only)* | 82.8423% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 7,347 |
| Loan loss allowance to noncurrent loans | 711.2360% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,419 |
| Noncurrent loans to loans | 0.0994% | 7,231 |
| Net loans and leases to total assets | 55.2446% | 6,240 |
| Net loans and leases to deposits | 61.6192% | 6,712 |
| Net loans and leases to core deposits | 74.3843% | 6,707 |
| Total domestic deposits to total assets | 89.6550% | 909 |
| Equity capital to assets | 9.2875% | 5,057 |
| Core capital (leverage) ratio | 9.2325% | 4,289 |
| Tier 1 risk-based capital ratio | 13.5217% | 3,835 |
| Total risk-based capital ratio | 14.1012% | 4,232 |
| Memoranda: | ||
| Average total assets | $160,070,750 | 3,793 |
| Average earning assets | $147,630,250 | 3,769 |
| Average equity | $14,827,500 | 4,127 |
| Average total loans | $89,761,000 | 4,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 4,851 |
| Cost of funding earning assets | 0.5728% | 8,007 |
| Net interest margin | 4.8864% | 553 |
| Noninterest income to average assets | 0.8072% | 2,376 |
| Noninterest expense to average assets | 3.6781% | 1,879 |
| Loan and lease loss provision to assets | 0.0476% | 6,757 |
| Net operating income to assets | 1.0650% | 1,892 |
| Return on assets (ROA) | 1.0650% | 1,967 |
| Pretax return on assets | 1.5869% | 1,235 |
| Return on Equity (ROE) | 11.5075% | 1,560 |
| Retained earnings to average equity (ytd only) | 1.3658% | 4,578 |
| Net charge-offs to loans | 0.0089% | 6,444 |
| Credit loss provision to net charge-offs | 950.0000% | 511 |
| Earnings coverage of net charge-offs (x) | 326.5000% | 115 |
| Efficiency ratio | 69.2344% | 4,940 |
| Assets per employee ($millions) | 2.5557% | 7,134 |
| Cash dividends to net income (ytd only)* | 88.1316% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 7,359 |
| Loan loss allowance to noncurrent loans | 735.9551% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 7,455 |
| Noncurrent loans to loans | 0.0992% | 7,278 |
| Net loans and leases to total assets | 56.2017% | 6,185 |
| Net loans and leases to deposits | 62.6398% | 6,694 |
| Net loans and leases to core deposits | 74.7557% | 6,747 |
| Total domestic deposits to total assets | 89.7221% | 952 |
| Equity capital to assets | 9.3332% | 4,821 |
| Core capital (leverage) ratio | 9.1841% | 4,325 |
| Tier 1 risk-based capital ratio | 13.4466% | 3,848 |
| Total risk-based capital ratio | 14.0483% | 4,204 |
| Memoranda: | ||
| Average total assets | $159,811,000 | 3,827 |
| Average earning assets | $147,348,330 | 3,790 |
| Average equity | $14,790,330 | 4,147 |
| Average total loans | $89,850,000 | 4,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 5,033 |
| Cost of funding earning assets | 0.5958% | 8,057 |
| Net interest margin | 4.8805% | 524 |
| Noninterest income to average assets | 0.7876% | 2,393 |
| Noninterest expense to average assets | 3.5118% | 2,069 |
| Loan and lease loss provision to assets | 0.0349% | 6,503 |
| Net operating income to assets | 1.1615% | 1,768 |
| Return on assets (ROA) | 1.1615% | 1,887 |
| Pretax return on assets | 1.7322% | 1,116 |
| Return on Equity (ROE) | 12.6023% | 1,484 |
| Retained earnings to average equity (ytd only) | 2.4610% | 4,506 |
| Net charge-offs to loans | 0.0178% | 5,324 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 244 |
| Efficiency ratio | 66.5250% | 5,226 |
| Assets per employee ($millions) | 2.8325% | 6,569 |
| Cash dividends to net income (ytd only)* | 80.4721% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 7,402 |
| Loan loss allowance to noncurrent loans | 389.5062% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 7,281 |
| Noncurrent loans to loans | 0.1832% | 7,005 |
| Net loans and leases to total assets | 55.3468% | 6,324 |
| Net loans and leases to deposits | 62.9581% | 6,648 |
| Net loans and leases to core deposits | 74.5366% | 6,774 |
| Total domestic deposits to total assets | 87.9106% | 1,782 |
| Equity capital to assets | 9.3363% | 4,878 |
| Core capital (leverage) ratio | 9.1659% | 4,458 |
| Tier 1 risk-based capital ratio | 13.3665% | 3,947 |
| Total risk-based capital ratio | 13.9431% | 4,320 |
| Memoranda: | ||
| Average total assets | $160,488,500 | 3,825 |
| Average earning assets | $147,688,500 | 3,796 |
| Average equity | $14,791,000 | 4,178 |
| Average total loans | $89,920,000 | 4,310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9567% | 5,776 |
| Cost of funding earning assets | 0.9813% | 8,063 |
| Net interest margin | 4.9753% | 542 |
| Noninterest income to average assets | 0.8068% | 2,479 |
| Noninterest expense to average assets | 3.4364% | 2,565 |
| Loan and lease loss provision to assets | 0.0474% | 6,825 |
| Net operating income to assets | 1.2261% | 1,698 |
| Return on assets (ROA) | 1.2261% | 1,639 |
| Pretax return on assets | 1.8315% | 883 |
| Return on Equity (ROE) | 13.8447% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.4142% | 3,016 |
| Net charge-offs to loans | 0.0479% | 6,103 |
| Credit loss provision to net charge-offs | 183.3333% | 2,718 |
| Earnings coverage of net charge-offs (x) | 72.6429% | 559 |
| Efficiency ratio | 64.6507% | 5,404 |
| Assets per employee ($millions) | 2.6616% | 6,865 |
| Cash dividends to net income (ytd only)* | 75.3390% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 7,481 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,580 |
| Noncurrent loans to loans | 0.0197% | 7,441 |
| Net loans and leases to total assets | 55.9242% | 6,444 |
| Net loans and leases to deposits | 62.6232% | 6,901 |
| Net loans and leases to core deposits | 73.1581% | 7,015 |
| Total domestic deposits to total assets | 89.3027% | 922 |
| Equity capital to assets | 9.0990% | 5,229 |
| Core capital (leverage) ratio | 8.8269% | 4,997 |
| Tier 1 risk-based capital ratio | 13.1552% | 4,025 |
| Total risk-based capital ratio | 13.7172% | 4,358 |
| Memoranda: | ||
| Average total assets | $162,379,800 | 3,680 |
| Average earning assets | $147,146,000 | 3,705 |
| Average equity | $14,381,000 | 4,257 |
| Average total loans | $87,761,000 | 4,294 |