Home > First Valley Bank > Performance and Condition Ratios
First Valley Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,024 |
| Cost of funding earning assets | 0.8607% | 556 |
| Net interest margin | 3.3022% | 4,528 |
| Noninterest income to average assets | 0.2153% | 5,636 |
| Noninterest expense to average assets | 2.6984% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5843% | 4,269 |
| Return on assets (ROA) | 0.5843% | 4,342 |
| Pretax return on assets | 0.5843% | 4,884 |
| Return on Equity (ROE) | 6.5858% | 3,688 |
| Retained earnings to average equity (ytd only) | -57.7123% | 6,682 |
| Net charge-offs to loans | 0.1965% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.4706% | 2,521 |
| Efficiency ratio | 82.2014% | 1,900 |
| Assets per employee ($millions) | 5.1732% | 2,040 |
| Cash dividends to net income (ytd only)* | 976.3158% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,406 |
| Loan loss allowance to noncurrent loans | 228.3871% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 4,672 |
| Noncurrent loans to loans | 0.4506% | 4,799 |
| Net loans and leases to total assets | 65.8103% | 2,596 |
| Net loans and leases to deposits | 71.8856% | 3,351 |
| Net loans and leases to core deposits | 73.6554% | 3,684 |
| Total domestic deposits to total assets | 91.5488% | 367 |
| Equity capital to assets | 8.2831% | 5,839 |
| Core capital (leverage) ratio | 8.2242% | 5,923 |
| Tier 1 risk-based capital ratio | 12.8871% | 5,072 |
| Total risk-based capital ratio | 13.9492% | 5,125 |
| Memoranda: | ||
| Average total assets | $52,031,500 | 5,912 |
| Average earning assets | $48,331,500 | 5,884 |
| Average equity | $4,616,000 | 6,093 |
| Average total loans | $34,605,000 | 5,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 2,034 |
| Cost of funding earning assets | 0.9394% | 610 |
| Net interest margin | 3.6100% | 3,425 |
| Noninterest income to average assets | 0.2317% | 5,688 |
| Noninterest expense to average assets | 2.2406% | 5,527 |
| Loan and lease loss provision to assets | -0.0958% | 6,474 |
| Net operating income to assets | 1.4573% | 900 |
| Return on assets (ROA) | 1.4573% | 945 |
| Pretax return on assets | 1.4573% | 1,597 |
| Return on Equity (ROE) | 15.8344% | 643 |
| Retained earnings to average equity (ytd only) | 1.5814% | 5,094 |
| Net charge-offs to loans | 0.0082% | 5,288 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,294 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 192 |
| Efficiency ratio | 62.2010% | 5,180 |
| Assets per employee ($millions) | 5.2331% | 1,921 |
| Cash dividends to net income (ytd only)* | 90.0131% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 5,281 |
| Loan loss allowance to noncurrent loans | 235.4430% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 4,696 |
| Noncurrent loans to loans | 0.4539% | 4,860 |
| Net loans and leases to total assets | 65.8099% | 2,717 |
| Net loans and leases to deposits | 72.8020% | 3,418 |
| Net loans and leases to core deposits | 74.1501% | 3,826 |
| Total domestic deposits to total assets | 90.3958% | 876 |
| Equity capital to assets | 9.4533% | 4,491 |
| Core capital (leverage) ratio | 9.3269% | 4,509 |
| Tier 1 risk-based capital ratio | 14.5113% | 3,946 |
| Total risk-based capital ratio | 15.5992% | 3,994 |
| Memoranda: | ||
| Average total assets | $52,218,800 | 5,962 |
| Average earning assets | $48,753,400 | 5,927 |
| Average equity | $4,806,000 | 6,115 |
| Average total loans | $36,618,800 | 5,471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 1,777 |
| Cost of funding earning assets | 0.9561% | 620 |
| Net interest margin | 3.6823% | 3,093 |
| Noninterest income to average assets | 0.2325% | 5,773 |
| Noninterest expense to average assets | 2.3222% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3540% | 1,218 |
| Return on assets (ROA) | 1.3540% | 1,264 |
| Pretax return on assets | 1.3540% | 2,102 |
| Return on Equity (ROE) | 14.8121% | 831 |
| Retained earnings to average equity (ytd only) | -3.6053% | 6,408 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1689% | 4,955 |
| Assets per employee ($millions) | 4.7687% | 2,481 |
| Cash dividends to net income (ytd only)* | 124.3388% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,819 |
| Loan loss allowance to noncurrent loans | 263.9752% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,499 |
| Noncurrent loans to loans | 0.4584% | 5,045 |
| Net loans and leases to total assets | 66.1392% | 2,616 |
| Net loans and leases to deposits | 72.8988% | 3,421 |
| Net loans and leases to core deposits | 74.2324% | 3,811 |
| Total domestic deposits to total assets | 90.7275% | 640 |
| Equity capital to assets | 9.0552% | 5,115 |
| Core capital (leverage) ratio | 9.1033% | 4,967 |
| Tier 1 risk-based capital ratio | 14.0681% | 4,375 |
| Total risk-based capital ratio | 15.3191% | 4,327 |
| Memoranda: | ||
| Average total assets | $52,190,750 | 6,028 |
| Average earning assets | $48,808,500 | 5,994 |
| Average equity | $4,770,750 | 6,201 |
| Average total loans | $37,070,750 | 5,513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 1,422 |
| Cost of funding earning assets | 0.9635% | 659 |
| Net interest margin | 3.7965% | 2,571 |
| Noninterest income to average assets | 0.2342% | 5,770 |
| Noninterest expense to average assets | 1.9961% | 6,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7926% | 531 |
| Return on assets (ROA) | 1.7926% | 570 |
| Pretax return on assets | 1.7926% | 946 |
| Return on Equity (ROE) | 19.5493% | 344 |
| Retained earnings to average equity (ytd only) | -4.0187% | 6,397 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6849% | 6,244 |
| Assets per employee ($millions) | 4.7329% | 2,474 |
| Cash dividends to net income (ytd only)* | 120.5567% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,234 |
| Loan loss allowance to noncurrent loans | 173.4694% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 4,810 |
| Noncurrent loans to loans | 0.6639% | 4,613 |
| Net loans and leases to total assets | 70.0645% | 1,866 |
| Net loans and leases to deposits | 77.3375% | 2,667 |
| Net loans and leases to core deposits | 78.7568% | 3,196 |
| Total domestic deposits to total assets | 90.5958% | 707 |
| Equity capital to assets | 9.1852% | 5,011 |
| Core capital (leverage) ratio | 9.3075% | 4,528 |
| Tier 1 risk-based capital ratio | 13.4037% | 4,834 |
| Total risk-based capital ratio | 14.5932% | 4,829 |
| Memoranda: | ||
| Average total assets | $52,102,330 | 6,069 |
| Average earning assets | $48,782,000 | 6,026 |
| Average equity | $4,777,670 | 6,247 |
| Average total loans | $37,721,330 | 5,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,663 |
| Cost of funding earning assets | 0.9687% | 712 |
| Net interest margin | 3.6858% | 2,912 |
| Noninterest income to average assets | 0.2149% | 5,940 |
| Noninterest expense to average assets | 1.9339% | 6,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7267% | 544 |
| Return on assets (ROA) | 1.7267% | 603 |
| Pretax return on assets | 1.7267% | 1,012 |
| Return on Equity (ROE) | 18.8462% | 368 |
| Retained earnings to average equity (ytd only) | -20.8565% | 6,838 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8302% | 6,324 |
| Assets per employee ($millions) | 4.7006% | 2,651 |
| Cash dividends to net income (ytd only)* | 210.6667% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,478 |
| Loan loss allowance to noncurrent loans | 122.1264% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 4,430 |
| Noncurrent loans to loans | 0.9261% | 4,281 |
| Net loans and leases to total assets | 71.8510% | 1,375 |
| Net loans and leases to deposits | 79.1613% | 2,191 |
| Net loans and leases to core deposits | 80.5743% | 2,738 |
| Total domestic deposits to total assets | 90.7653% | 636 |
| Equity capital to assets | 8.9930% | 5,491 |
| Core capital (leverage) ratio | 8.9645% | 4,943 |
| Tier 1 risk-based capital ratio | 12.8477% | 5,341 |
| Total risk-based capital ratio | 14.0253% | 5,326 |
| Memoranda: | ||
| Average total assets | $52,122,500 | 6,122 |
| Average earning assets | $48,727,000 | 6,077 |
| Average equity | $4,775,500 | 6,311 |
| Average total loans | $38,131,000 | 5,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 1,504 |
| Cost of funding earning assets | 1.0495% | 1,125 |
| Net interest margin | 3.9713% | 2,516 |
| Noninterest income to average assets | 0.2077% | 5,929 |
| Noninterest expense to average assets | 2.2146% | 5,896 |
| Loan and lease loss provision to assets | 0.0572% | 5,062 |
| Net operating income to assets | 1.6066% | 747 |
| Return on assets (ROA) | 1.6066% | 826 |
| Pretax return on assets | 1.6066% | 1,362 |
| Return on Equity (ROE) | 17.6183% | 473 |
| Retained earnings to average equity (ytd only) | 3.8873% | 3,458 |
| Net charge-offs to loans | 0.0156% | 5,693 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 289 |
| Efficiency ratio | 57.1007% | 5,944 |
| Assets per employee ($millions) | 4.7762% | 2,530 |
| Cash dividends to net income (ytd only)* | 77.9359% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,560 |
| Loan loss allowance to noncurrent loans | 119.3820% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 4,507 |
| Noncurrent loans to loans | 0.9203% | 4,347 |
| Net loans and leases to total assets | 72.8235% | 1,370 |
| Net loans and leases to deposits | 80.5236% | 2,217 |
| Net loans and leases to core deposits | 81.9342% | 2,781 |
| Total domestic deposits to total assets | 90.4374% | 733 |
| Equity capital to assets | 9.3285% | 5,110 |
| Core capital (leverage) ratio | 9.3104% | 4,400 |
| Tier 1 risk-based capital ratio | 13.2748% | 4,916 |
| Total risk-based capital ratio | 14.4297% | 4,918 |
| Memoranda: | ||
| Average total assets | $52,469,800 | 6,138 |
| Average earning assets | $48,498,000 | 6,104 |
| Average equity | $4,784,800 | 6,359 |
| Average total loans | $38,522,400 | 5,564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 1,604 |
| Cost of funding earning assets | 1.0613% | 1,232 |
| Net interest margin | 3.9697% | 2,629 |
| Noninterest income to average assets | 0.1906% | 6,158 |
| Noninterest expense to average assets | 2.0894% | 6,186 |
| Loan and lease loss provision to assets | 0.0763% | 4,689 |
| Net operating income to assets | 1.6853% | 705 |
| Return on assets (ROA) | 1.6853% | 786 |
| Pretax return on assets | 1.6853% | 1,310 |
| Return on Equity (ROE) | 18.5876% | 432 |
| Retained earnings to average equity (ytd only) | 2.5792% | 5,017 |
| Net charge-offs to loans | 0.0208% | 5,377 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 115.4975% | 371 |
| Efficiency ratio | 54.2574% | 6,227 |
| Assets per employee ($millions) | 4.8235% | 2,413 |
| Cash dividends to net income (ytd only)* | 86.1230% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,751 |
| Loan loss allowance to noncurrent loans | 117.7285% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 4,751 |
| Noncurrent loans to loans | 0.9268% | 4,578 |
| Net loans and leases to total assets | 72.6092% | 1,452 |
| Net loans and leases to deposits | 80.1069% | 2,376 |
| Net loans and leases to core deposits | 81.4878% | 3,023 |
| Total domestic deposits to total assets | 90.6404% | 545 |
| Equity capital to assets | 9.0618% | 5,764 |
| Core capital (leverage) ratio | 9.1986% | 4,766 |
| Tier 1 risk-based capital ratio | 12.7227% | 5,461 |
| Total risk-based capital ratio | 13.8513% | 5,525 |
| Memoranda: | ||
| Average total assets | $52,452,750 | 6,209 |
| Average earning assets | $48,365,250 | 6,184 |
| Average equity | $4,755,750 | 6,444 |
| Average total loans | $38,481,750 | 5,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 1,529 |
| Cost of funding earning assets | 1.0936% | 1,241 |
| Net interest margin | 3.9958% | 2,524 |
| Noninterest income to average assets | 0.2794% | 5,576 |
| Noninterest expense to average assets | 2.1205% | 6,196 |
| Loan and lease loss provision to assets | 0.1148% | 4,094 |
| Net operating income to assets | 1.7225% | 647 |
| Return on assets (ROA) | 1.7225% | 725 |
| Pretax return on assets | 1.7225% | 1,205 |
| Return on Equity (ROE) | 18.9940% | 415 |
| Retained earnings to average equity (ytd only) | -1.3085% | 6,253 |
| Net charge-offs to loans | 0.0313% | 4,941 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 507 |
| Efficiency ratio | 53.5783% | 6,354 |
| Assets per employee ($millions) | 4.7285% | 2,530 |
| Cash dividends to net income (ytd only)* | 106.8889% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,717 |
| Loan loss allowance to noncurrent loans | 109.8191% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 3,370 |
| Noncurrent loans to loans | 1.0166% | 4,478 |
| Net loans and leases to total assets | 72.3723% | 1,497 |
| Net loans and leases to deposits | 79.8079% | 2,410 |
| Net loans and leases to core deposits | 81.2024% | 3,059 |
| Total domestic deposits to total assets | 90.6831% | 572 |
| Equity capital to assets | 9.0131% | 5,686 |
| Core capital (leverage) ratio | 9.1589% | 4,674 |
| Tier 1 risk-based capital ratio | 12.4640% | 5,594 |
| Total risk-based capital ratio | 13.5985% | 5,664 |
| Memoranda: | ||
| Average total assets | $52,251,000 | 6,257 |
| Average earning assets | $48,100,000 | 6,230 |
| Average equity | $4,738,330 | 6,472 |
| Average total loans | $38,325,670 | 5,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1171% | 1,530 |
| Cost of funding earning assets | 1.1298% | 1,254 |
| Net interest margin | 3.9874% | 2,561 |
| Noninterest income to average assets | 0.2902% | 5,545 |
| Noninterest expense to average assets | 2.0241% | 6,420 |
| Loan and lease loss provision to assets | 0.2291% | 2,654 |
| Net operating income to assets | 1.7033% | 713 |
| Return on assets (ROA) | 1.7033% | 795 |
| Pretax return on assets | 1.7033% | 1,289 |
| Return on Equity (ROE) | 18.7257% | 478 |
| Retained earnings to average equity (ytd only) | 11.0003% | 1,024 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1583% | 6,604 |
| Assets per employee ($millions) | 5.8102% | 1,426 |
| Cash dividends to net income (ytd only)* | 41.2556% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,807 |
| Loan loss allowance to noncurrent loans | 109.3909% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 3,508 |
| Noncurrent loans to loans | 1.0320% | 4,624 |
| Net loans and leases to total assets | 72.1831% | 1,369 |
| Net loans and leases to deposits | 79.8046% | 2,227 |
| Net loans and leases to core deposits | 81.1829% | 2,931 |
| Total domestic deposits to total assets | 90.4498% | 832 |
| Equity capital to assets | 9.2289% | 5,192 |
| Core capital (leverage) ratio | 9.3116% | 4,342 |
| Tier 1 risk-based capital ratio | 12.7981% | 5,364 |
| Total risk-based capital ratio | 13.9401% | 5,417 |
| Memoranda: | ||
| Average total assets | $52,370,000 | 6,294 |
| Average earning assets | $48,152,000 | 6,270 |
| Average equity | $4,763,500 | 6,491 |
| Average total loans | $38,454,500 | 5,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 1,890 |
| Cost of funding earning assets | 1.5362% | 621 |
| Net interest margin | 3.7093% | 4,256 |
| Noninterest income to average assets | 0.2649% | 5,626 |
| Noninterest expense to average assets | 1.9657% | 6,738 |
| Loan and lease loss provision to assets | 0.1703% | 4,510 |
| Net operating income to assets | 1.5230% | 785 |
| Return on assets (ROA) | 1.5230% | 853 |
| Pretax return on assets | 1.5230% | 1,406 |
| Return on Equity (ROE) | 17.8817% | 392 |
| Retained earnings to average equity (ytd only) | 4.9980% | 2,640 |
| Net charge-offs to loans | 0.1744% | 4,751 |
| Credit loss provision to net charge-offs | 130.4348% | 2,344 |
| Earnings coverage of net charge-offs (x) | 12.9710% | 1,579 |
| Efficiency ratio | 53.7229% | 6,539 |
| Assets per employee ($millions) | 4.7680% | 2,488 |
| Cash dividends to net income (ytd only)* | 72.0497% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 6,050 |
| Loan loss allowance to noncurrent loans | 103.0848% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 2,338 |
| Noncurrent loans to loans | 1.0043% | 4,697 |
| Net loans and leases to total assets | 73.0838% | 1,438 |
| Net loans and leases to deposits | 80.5900% | 2,419 |
| Net loans and leases to core deposits | 81.5258% | 3,242 |
| Total domestic deposits to total assets | 90.6860% | 636 |
| Equity capital to assets | 8.9632% | 5,589 |
| Core capital (leverage) ratio | 8.9780% | 4,826 |
| Tier 1 risk-based capital ratio | 12.0583% | 5,796 |
| Total risk-based capital ratio | 13.0873% | 5,921 |
| Memoranda: | ||
| Average total assets | $52,856,600 | 6,266 |
| Average earning assets | $48,365,200 | 6,247 |
| Average equity | $4,501,800 | 6,595 |
| Average total loans | $39,572,400 | 5,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 1,769 |
| Cost of funding earning assets | 1.6638% | 451 |
| Net interest margin | 3.6630% | 4,511 |
| Noninterest income to average assets | 0.2593% | 5,766 |
| Noninterest expense to average assets | 1.9361% | 6,812 |
| Loan and lease loss provision to assets | 0.2266% | 3,749 |
| Net operating income to assets | 1.4501% | 1,051 |
| Return on assets (ROA) | 1.4501% | 1,123 |
| Pretax return on assets | 1.4501% | 1,785 |
| Return on Equity (ROE) | 17.2502% | 541 |
| Retained earnings to average equity (ytd only) | 1.9167% | 5,181 |
| Net charge-offs to loans | 0.2313% | 3,985 |
| Credit loss provision to net charge-offs | 130.4348% | 2,440 |
| Earnings coverage of net charge-offs (x) | 9.6520% | 2,019 |
| Efficiency ratio | 53.5889% | 6,535 |
| Assets per employee ($millions) | 4.8777% | 2,357 |
| Cash dividends to net income (ytd only)* | 88.8890% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,200 |
| Loan loss allowance to noncurrent loans | 131.4754% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 2.2794% | 2,809 |
| Noncurrent loans to loans | 0.7714% | 5,328 |
| Net loans and leases to total assets | 72.9438% | 1,519 |
| Net loans and leases to deposits | 80.1450% | 2,631 |
| Net loans and leases to core deposits | 81.0445% | 3,479 |
| Total domestic deposits to total assets | 91.0148% | 426 |
| Equity capital to assets | 8.4633% | 6,336 |
| Core capital (leverage) ratio | 8.5569% | 5,619 |
| Tier 1 risk-based capital ratio | 11.5253% | 6,229 |
| Total risk-based capital ratio | 12.5435% | 6,360 |
| Memoranda: | ||
| Average total assets | $52,958,750 | 6,315 |
| Average earning assets | $48,483,500 | 6,297 |
| Average equity | $4,452,000 | 6,662 |
| Average total loans | $39,782,500 | 5,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 1,696 |
| Cost of funding earning assets | 1.6924% | 480 |
| Net interest margin | 3.6656% | 4,436 |
| Noninterest income to average assets | 0.2769% | 5,669 |
| Noninterest expense to average assets | 1.9990% | 6,795 |
| Loan and lease loss provision to assets | 0.1138% | 4,870 |
| Net operating income to assets | 1.5324% | 832 |
| Return on assets (ROA) | 1.5324% | 886 |
| Pretax return on assets | 1.5324% | 1,425 |
| Return on Equity (ROE) | 18.2709% | 443 |
| Retained earnings to average equity (ytd only) | -1.4472% | 6,146 |
| Net charge-offs to loans | 0.0452% | 5,219 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | 48.2222% | 640 |
| Efficiency ratio | 54.8387% | 6,525 |
| Assets per employee ($millions) | 4.7956% | 2,412 |
| Cash dividends to net income (ytd only)* | 107.9208% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,379 |
| Loan loss allowance to noncurrent loans | 128.2051% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 2.0454% | 3,177 |
| Noncurrent loans to loans | 0.7702% | 5,373 |
| Net loans and leases to total assets | 76.0293% | 1,067 |
| Net loans and leases to deposits | 83.3860% | 2,206 |
| Net loans and leases to core deposits | 84.3293% | 3,165 |
| Total domestic deposits to total assets | 91.1776% | 436 |
| Equity capital to assets | 8.4262% | 6,270 |
| Core capital (leverage) ratio | 8.5200% | 5,520 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,463 |
| Total risk-based capital ratio | 12.0730% | 6,615 |
| Memoranda: | ||
| Average total assets | $52,726,670 | 6,381 |
| Average earning assets | $48,450,670 | 6,355 |
| Average equity | $4,422,330 | 6,710 |
| Average total loans | $39,863,670 | 5,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 1,809 |
| Cost of funding earning assets | 1.7344% | 484 |
| Net interest margin | 3.5845% | 4,641 |
| Noninterest income to average assets | 0.2580% | 5,833 |
| Noninterest expense to average assets | 1.9198% | 6,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6314% | 648 |
| Return on assets (ROA) | 1.6314% | 685 |
| Pretax return on assets | 1.6314% | 1,123 |
| Return on Equity (ROE) | 19.4967% | 364 |
| Retained earnings to average equity (ytd only) | -12.2421% | 6,951 |
| Net charge-offs to loans | -0.0101% | 6,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0598% | 6,694 |
| Assets per employee ($millions) | 5.2666% | 1,803 |
| Cash dividends to net income (ytd only)* | 162.7907% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,511 |
| Loan loss allowance to noncurrent loans | 119.4969% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 2.0602% | 3,249 |
| Noncurrent loans to loans | 0.8035% | 5,427 |
| Net loans and leases to total assets | 74.4237% | 1,281 |
| Net loans and leases to deposits | 81.4920% | 2,445 |
| Net loans and leases to core deposits | 83.0054% | 3,306 |
| Total domestic deposits to total assets | 91.3265% | 473 |
| Equity capital to assets | 8.2463% | 6,233 |
| Core capital (leverage) ratio | 8.2818% | 5,843 |
| Tier 1 risk-based capital ratio | 11.0909% | 6,439 |
| Total risk-based capital ratio | 12.0623% | 6,611 |
| Memoranda: | ||
| Average total assets | $52,714,000 | 6,429 |
| Average earning assets | $48,431,000 | 6,398 |
| Average equity | $4,411,000 | 6,738 |
| Average total loans | $39,542,000 | 5,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 2,104 |
| Cost of funding earning assets | 2.1254% | 391 |
| Net interest margin | 3.4195% | 5,551 |
| Noninterest income to average assets | 0.3316% | 5,421 |
| Noninterest expense to average assets | 2.0597% | 6,932 |
| Loan and lease loss provision to assets | 0.0626% | 6,514 |
| Net operating income to assets | 1.3541% | 1,036 |
| Return on assets (ROA) | 1.3541% | 1,112 |
| Pretax return on assets | 1.3541% | 1,785 |
| Return on Equity (ROE) | 17.2608% | 454 |
| Retained earnings to average equity (ytd only) | 6.9043% | 1,361 |
| Net charge-offs to loans | 0.0687% | 6,114 |
| Credit loss provision to net charge-offs | 121.4286% | 3,462 |
| Earnings coverage of net charge-offs (x) | 27.4643% | 794 |
| Efficiency ratio | 59.2475% | 6,152 |
| Assets per employee ($millions) | 4.7965% | 2,423 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,524 |
| Loan loss allowance to noncurrent loans | 175.9259% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 3,534 |
| Noncurrent loans to loans | 0.5467% | 5,957 |
| Net loans and leases to total assets | 74.1594% | 1,626 |
| Net loans and leases to deposits | 81.4641% | 2,914 |
| Net loans and leases to core deposits | 83.8937% | 3,611 |
| Total domestic deposits to total assets | 91.0333% | 587 |
| Equity capital to assets | 8.4891% | 5,868 |
| Core capital (leverage) ratio | 8.3578% | 5,600 |
| Tier 1 risk-based capital ratio | 11.3894% | 6,002 |
| Total risk-based capital ratio | 12.3565% | 6,217 |
| Memoranda: | ||
| Average total assets | $54,281,000 | 6,392 |
| Average earning assets | $49,919,200 | 6,368 |
| Average equity | $4,258,200 | 6,900 |
| Average total loans | $40,761,800 | 5,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 2,325 |
| Cost of funding earning assets | 2.2127% | 372 |
| Net interest margin | 3.3164% | 5,959 |
| Noninterest income to average assets | 0.3342% | 5,488 |
| Noninterest expense to average assets | 1.9416% | 7,148 |
| Loan and lease loss provision to assets | 0.0829% | 6,210 |
| Net operating income to assets | 1.3587% | 1,198 |
| Return on assets (ROA) | 1.3587% | 1,281 |
| Pretax return on assets | 1.3587% | 2,010 |
| Return on Equity (ROE) | 17.6695% | 505 |
| Retained earnings to average equity (ytd only) | 6.0590% | 2,320 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3901% | 6,363 |
| Assets per employee ($millions) | 4.9693% | 2,222 |
| Cash dividends to net income (ytd only)* | 65.7093% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,440 |
| Loan loss allowance to noncurrent loans | 1,271.8750% | 292 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 4,263 |
| Noncurrent loans to loans | 0.0779% | 7,049 |
| Net loans and leases to total assets | 74.4429% | 1,701 |
| Net loans and leases to deposits | 81.3775% | 3,204 |
| Net loans and leases to core deposits | 83.8405% | 3,969 |
| Total domestic deposits to total assets | 91.4785% | 315 |
| Equity capital to assets | 8.0092% | 6,799 |
| Core capital (leverage) ratio | 7.9604% | 6,401 |
| Tier 1 risk-based capital ratio | 10.7613% | 6,578 |
| Total risk-based capital ratio | 11.7631% | 6,756 |
| Memoranda: | ||
| Average total assets | $54,660,750 | 6,459 |
| Average earning assets | $50,254,500 | 6,430 |
| Average equity | $4,203,000 | 7,007 |
| Average total loans | $41,075,250 | 5,960 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 2,685 |
| Cost of funding earning assets | 2.3009% | 334 |
| Net interest margin | 3.1632% | 6,425 |
| Noninterest income to average assets | 0.3659% | 5,212 |
| Noninterest expense to average assets | 1.9356% | 7,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3428% | 1,206 |
| Return on assets (ROA) | 1.3428% | 1,276 |
| Pretax return on assets | 1.3428% | 1,964 |
| Return on Equity (ROE) | 17.7095% | 494 |
| Retained earnings to average equity (ytd only) | 0.0483% | 5,717 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0402% | 6,211 |
| Assets per employee ($millions) | 5.1189% | 2,022 |
| Cash dividends to net income (ytd only)* | 99.7275% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,771 |
| Loan loss allowance to noncurrent loans | 550.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 4,239 |
| Noncurrent loans to loans | 0.1630% | 6,935 |
| Net loans and leases to total assets | 73.4389% | 2,049 |
| Net loans and leases to deposits | 79.7839% | 3,634 |
| Net loans and leases to core deposits | 82.6082% | 4,331 |
| Total domestic deposits to total assets | 92.0473% | 211 |
| Equity capital to assets | 7.4394% | 7,148 |
| Core capital (leverage) ratio | 7.5904% | 6,748 |
| Tier 1 risk-based capital ratio | 10.1286% | 6,952 |
| Total risk-based capital ratio | 11.0344% | 7,125 |
| Memoranda: | ||
| Average total assets | $54,660,330 | 6,505 |
| Average earning assets | $50,329,000 | 6,467 |
| Average equity | $4,144,670 | 7,059 |
| Average total loans | $41,067,330 | 6,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 2,752 |
| Cost of funding earning assets | 2.3989% | 307 |
| Net interest margin | 3.0671% | 6,675 |
| Noninterest income to average assets | 0.2526% | 6,129 |
| Noninterest expense to average assets | 1.8500% | 7,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2334% | 1,453 |
| Return on assets (ROA) | 1.2334% | 1,527 |
| Pretax return on assets | 1.2334% | 2,254 |
| Return on Equity (ROE) | 16.1067% | 705 |
| Retained earnings to average equity (ytd only) | -13.0018% | 7,119 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,174 |
| Assets per employee ($millions) | 5.0089% | 2,218 |
| Cash dividends to net income (ytd only)* | 180.7229% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,733 |
| Loan loss allowance to noncurrent loans | 779.1667% | 414 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 3,861 |
| Noncurrent loans to loans | 0.1197% | 7,110 |
| Net loans and leases to total assets | 72.1079% | 2,424 |
| Net loans and leases to deposits | 78.2641% | 3,989 |
| Net loans and leases to core deposits | 80.1153% | 4,749 |
| Total domestic deposits to total assets | 92.1340% | 219 |
| Equity capital to assets | 7.3596% | 7,176 |
| Core capital (leverage) ratio | 7.6185% | 6,716 |
| Tier 1 risk-based capital ratio | 9.9467% | 7,065 |
| Total risk-based capital ratio | 10.8659% | 7,235 |
| Memoranda: | ||
| Average total assets | $53,836,500 | 6,610 |
| Average earning assets | $49,688,500 | 6,560 |
| Average equity | $4,122,500 | 7,133 |
| Average total loans | $40,738,000 | 6,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0865% | 1,557 |
| Cost of funding earning assets | 2.7135% | 561 |
| Net interest margin | 3.3730% | 5,481 |
| Noninterest income to average assets | 1.4984% | 640 |
| Noninterest expense to average assets | 2.2607% | 6,844 |
| Loan and lease loss provision to assets | 0.0825% | 6,785 |
| Net operating income to assets | 2.2205% | 139 |
| Return on assets (ROA) | 2.2205% | 151 |
| Pretax return on assets | 2.2205% | 262 |
| Return on Equity (ROE) | 26.6396% | 77 |
| Retained earnings to average equity (ytd only) | 9.2660% | 454 |
| Net charge-offs to loans | 0.0703% | 6,416 |
| Credit loss provision to net charge-offs | 141.3793% | 3,426 |
| Earnings coverage of net charge-offs (x) | 39.4828% | 605 |
| Efficiency ratio | 49.5372% | 7,562 |
| Assets per employee ($millions) | 5.2575% | 1,880 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,795 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1189% | 3,246 |
| Noncurrent loans to loans | 1.4358% | 4,517 |
| Net loans and leases to total assets | 77.9800% | 1,393 |
| Net loans and leases to deposits | 85.2597% | 3,038 |
| Net loans and leases to core deposits | 105.0046% | 3,449 |
| Total domestic deposits to total assets | 91.4617% | 391 |
| Equity capital to assets | 7.9696% | 6,612 |
| Core capital (leverage) ratio | 7.9875% | 6,217 |
| Tier 1 risk-based capital ratio | 9.8657% | 6,975 |
| Total risk-based capital ratio | 10.7482% | 7,203 |
| Memoranda: | ||
| Average total assets | $49,718,600 | 6,721 |
| Average earning assets | $45,181,800 | 6,716 |
| Average equity | $4,144,200 | 7,235 |
| Average total loans | $41,258,400 | 6,048 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1174% | 1,587 |
| Cost of funding earning assets | 2.7175% | 755 |
| Net interest margin | 3.3999% | 5,265 |
| Noninterest income to average assets | 1.9236% | 403 |
| Noninterest expense to average assets | 2.2120% | 6,940 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7888% | 72 |
| Return on assets (ROA) | 2.7888% | 82 |
| Pretax return on assets | 2.7888% | 131 |
| Return on Equity (ROE) | 33.0683% | 42 |
| Retained earnings to average equity (ytd only) | 29.1970% | 21 |
| Net charge-offs to loans | 0.0938% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 35.3408% | 824 |
| Efficiency ratio | 44.2329% | 7,832 |
| Assets per employee ($millions) | 5.3154% | 1,772 |
| Cash dividends to net income (ytd only)* | 11.7076% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 7,148 |
| Loan loss allowance to noncurrent loans | 62.8302% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2726% | 3,013 |
| Noncurrent loans to loans | 1.2607% | 4,838 |
| Net loans and leases to total assets | 78.4645% | 1,489 |
| Net loans and leases to deposits | 87.5058% | 3,059 |
| Net loans and leases to core deposits | 107.9793% | 3,477 |
| Total domestic deposits to total assets | 89.6678% | 901 |
| Equity capital to assets | 8.8629% | 5,686 |
| Core capital (leverage) ratio | 9.2687% | 4,234 |
| Tier 1 risk-based capital ratio | 10.8621% | 6,095 |
| Total risk-based capital ratio | 11.6315% | 6,529 |
| Memoranda: | ||
| Average total assets | $49,004,500 | 6,805 |
| Average earning assets | $44,353,500 | 6,802 |
| Average equity | $4,132,750 | 7,311 |
| Average total loans | $41,230,000 | 6,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2694% | 1,281 |
| Cost of funding earning assets | 2.7429% | 923 |
| Net interest margin | 3.5265% | 4,672 |
| Noninterest income to average assets | 0.3276% | 5,893 |
| Noninterest expense to average assets | 2.2427% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2599% | 1,330 |
| Return on assets (ROA) | 1.2599% | 1,405 |
| Pretax return on assets | 1.2599% | 2,131 |
| Return on Equity (ROE) | 15.2284% | 796 |
| Retained earnings to average equity (ytd only) | 11.6751% | 487 |
| Net charge-offs to loans | 0.1416% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 10.3448% | 2,006 |
| Efficiency ratio | 64.0288% | 5,910 |
| Assets per employee ($millions) | 4.8746% | 2,227 |
| Cash dividends to net income (ytd only)* | 23.3333% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 7,152 |
| Loan loss allowance to noncurrent loans | 62.5940% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.4966% | 2,581 |
| Noncurrent loans to loans | 1.2786% | 4,643 |
| Net loans and leases to total assets | 84.6736% | 539 |
| Net loans and leases to deposits | 92.9827% | 2,276 |
| Net loans and leases to core deposits | 113.5738% | 2,964 |
| Total domestic deposits to total assets | 91.0639% | 431 |
| Equity capital to assets | 8.2776% | 6,373 |
| Core capital (leverage) ratio | 8.4476% | 5,530 |
| Tier 1 risk-based capital ratio | 9.4015% | 7,473 |
| Total risk-based capital ratio | 10.1788% | 7,765 |
| Memoranda: | ||
| Average total assets | $47,621,330 | 6,916 |
| Average earning assets | $42,875,000 | 6,933 |
| Average equity | $3,940,000 | 7,439 |
| Average total loans | $40,960,000 | 6,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3655% | 1,142 |
| Cost of funding earning assets | 2.7200% | 1,210 |
| Net interest margin | 3.6455% | 4,119 |
| Noninterest income to average assets | 0.3145% | 5,929 |
| Noninterest expense to average assets | 2.0910% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5045% | 929 |
| Return on assets (ROA) | 1.5045% | 997 |
| Pretax return on assets | 1.5045% | 1,660 |
| Return on Equity (ROE) | 18.1888% | 578 |
| Retained earnings to average equity (ytd only) | 18.1888% | 225 |
| Net charge-offs to loans | 0.2855% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.1034% | 2,542 |
| Efficiency ratio | 58.1560% | 6,677 |
| Assets per employee ($millions) | 4.7071% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 7,000 |
| Loan loss allowance to noncurrent loans | 62.4765% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.5876% | 2,213 |
| Noncurrent loans to loans | 1.3488% | 4,290 |
| Net loans and leases to total assets | 83.2466% | 820 |
| Net loans and leases to deposits | 91.5644% | 2,678 |
| Net loans and leases to core deposits | 110.4145% | 3,379 |
| Total domestic deposits to total assets | 90.9159% | 440 |
| Equity capital to assets | 8.4617% | 6,134 |
| Core capital (leverage) ratio | 8.5439% | 5,442 |
| Tier 1 risk-based capital ratio | 9.8208% | 7,119 |
| Total risk-based capital ratio | 10.6439% | 7,471 |
| Memoranda: | ||
| Average total assets | $47,059,000 | 6,986 |
| Average earning assets | $42,353,500 | 7,006 |
| Average equity | $3,892,500 | 7,489 |
| Average total loans | $40,636,000 | 6,209 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9960% | 1,139 |
| Cost of funding earning assets | 3.0499% | 1,687 |
| Net interest margin | 3.9461% | 3,382 |
| Noninterest income to average assets | 0.3396% | 6,022 |
| Noninterest expense to average assets | 2.3072% | 6,677 |
| Loan and lease loss provision to assets | 0.0263% | 7,072 |
| Net operating income to assets | 1.5316% | 956 |
| Return on assets (ROA) | 1.5316% | 928 |
| Pretax return on assets | 1.5469% | 1,545 |
| Return on Equity (ROE) | 19.2265% | 435 |
| Retained earnings to average equity (ytd only) | 9.5995% | 510 |
| Net charge-offs to loans | 0.0126% | 6,741 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 143.6000% | 318 |
| Efficiency ratio | 59.4579% | 6,439 |
| Assets per employee ($millions) | 4.2770% | 2,994 |
| Cash dividends to net income (ytd only)* | 50.0715% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 6,821 |
| Loan loss allowance to noncurrent loans | 67.6636% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.6272% | 1,818 |
| Noncurrent loans to loans | 1.2813% | 3,950 |
| Net loans and leases to total assets | 87.9801% | 371 |
| Net loans and leases to deposits | 102.2479% | 1,562 |
| Net loans and leases to core deposits | 122.4434% | 2,460 |
| Total domestic deposits to total assets | 86.0459% | 2,380 |
| Equity capital to assets | 8.0813% | 6,732 |
| Core capital (leverage) ratio | 7.9979% | 6,496 |
| Tier 1 risk-based capital ratio | 8.9679% | 7,806 |
| Total risk-based capital ratio | 9.8229% | 8,035 |
| Memoranda: | ||
| Average total assets | $45,640,000 | 6,953 |
| Average earning assets | $40,951,800 | 6,996 |
| Average equity | $3,635,600 | 7,637 |
| Average total loans | $39,639,600 | 6,177 |