Home > Firstbank - Alma > Performance and Condition Ratios
Firstbank - Alma, Performance and Condition Ratios
| 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 | 3.9077% | 5,555 |
| Cost of funding earning assets | 0.4018% | 5,905 |
| Net interest margin | 3.5060% | 4,481 |
| Noninterest income to average assets | 0.9524% | 1,693 |
| Noninterest expense to average assets | 2.5035% | 5,079 |
| Loan and lease loss provision to assets | 0.5695% | 988 |
| Net operating income to assets | 0.8329% | 3,127 |
| Return on assets (ROA) | 0.8373% | 3,364 |
| Pretax return on assets | 1.2085% | 2,775 |
| Return on Equity (ROE) | 9.5949% | 2,361 |
| Retained earnings to average equity (ytd only) | 2.0989% | 4,751 |
| Net charge-offs to loans | 1.0301% | 1,047 |
| Credit loss provision to net charge-offs | 102.5974% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.1914% | 3,839 |
| Efficiency ratio | 58.5597% | 5,754 |
| Assets per employee ($millions) | 4.4322% | 3,085 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 1,072 |
| Loan loss allowance to noncurrent loans | 457.0780% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 5,704 |
| Noncurrent loans to loans | 0.5583% | 5,134 |
| Net loans and leases to total assets | 52.2917% | 4,886 |
| Net loans and leases to deposits | 61.9753% | 4,789 |
| Net loans and leases to core deposits | 68.5231% | 4,479 |
| Total domestic deposits to total assets | 84.3751% | 4,142 |
| Equity capital to assets | 8.9717% | 5,552 |
| Core capital (leverage) ratio | 8.1454% | 6,044 |
| Tier 1 risk-based capital ratio | 14.5457% | 3,995 |
| Total risk-based capital ratio | 15.8097% | 3,947 |
| Memoranda: | ||
| Average total assets | $374,519,400 | 1,738 |
| Average earning assets | $354,937,400 | 1,679 |
| Average equity | $32,684,200 | 2,112 |
| Average total loans | $201,831,600 | 1,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 5,677 |
| Cost of funding earning assets | 0.4139% | 6,033 |
| Net interest margin | 3.5283% | 4,535 |
| Noninterest income to average assets | 0.9134% | 1,785 |
| Noninterest expense to average assets | 2.4984% | 5,096 |
| Loan and lease loss provision to assets | 0.6507% | 812 |
| Net operating income to assets | 0.7654% | 3,625 |
| Return on assets (ROA) | 0.7712% | 3,850 |
| Pretax return on assets | 1.1111% | 3,310 |
| Return on Equity (ROE) | 8.8984% | 2,850 |
| Retained earnings to average equity (ytd only) | 2.1510% | 5,253 |
| Net charge-offs to loans | 1.1563% | 868 |
| Credit loss provision to net charge-offs | 104.3182% | 2,829 |
| Earnings coverage of net charge-offs (x) | 2.8108% | 3,912 |
| Efficiency ratio | 58.7613% | 5,689 |
| Assets per employee ($millions) | 4.4622% | 2,978 |
| Cash dividends to net income (ytd only)* | 75.8274% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 1,201 |
| Loan loss allowance to noncurrent loans | 229.1799% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,081 |
| Noncurrent loans to loans | 1.0947% | 4,242 |
| Net loans and leases to total assets | 52.4387% | 4,987 |
| Net loans and leases to deposits | 63.2615% | 4,807 |
| Net loans and leases to core deposits | 69.9654% | 4,503 |
| Total domestic deposits to total assets | 82.8920% | 4,681 |
| Equity capital to assets | 8.8225% | 6,000 |
| Core capital (leverage) ratio | 8.2311% | 6,103 |
| Tier 1 risk-based capital ratio | 14.2159% | 4,370 |
| Total risk-based capital ratio | 15.4798% | 4,335 |
| Memoranda: | ||
| Average total assets | $376,182,000 | 1,753 |
| Average earning assets | $355,936,250 | 1,695 |
| Average equity | $32,604,250 | 2,135 |
| Average total loans | $202,939,000 | 2,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 5,688 |
| Cost of funding earning assets | 0.4290% | 6,103 |
| Net interest margin | 3.5568% | 4,436 |
| Noninterest income to average assets | 0.9091% | 1,751 |
| Noninterest expense to average assets | 2.5197% | 5,077 |
| Loan and lease loss provision to assets | 0.7248% | 729 |
| Net operating income to assets | 0.7136% | 3,793 |
| Return on assets (ROA) | 0.7222% | 4,019 |
| Pretax return on assets | 1.0360% | 3,576 |
| Return on Equity (ROE) | 8.3823% | 3,075 |
| Retained earnings to average equity (ytd only) | 2.8352% | 4,740 |
| Net charge-offs to loans | 1.1240% | 965 |
| Credit loss provision to net charge-offs | 119.4226% | 2,303 |
| Earnings coverage of net charge-offs (x) | 2.8810% | 3,590 |
| Efficiency ratio | 59.0321% | 5,727 |
| Assets per employee ($millions) | 4.6205% | 2,686 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 1,228 |
| Loan loss allowance to noncurrent loans | 179.3246% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 4,711 |
| Noncurrent loans to loans | 1.4167% | 3,785 |
| Net loans and leases to total assets | 52.6915% | 5,007 |
| Net loans and leases to deposits | 63.6806% | 4,811 |
| Net loans and leases to core deposits | 70.8462% | 4,433 |
| Total domestic deposits to total assets | 82.7435% | 4,852 |
| Equity capital to assets | 8.6653% | 6,061 |
| Core capital (leverage) ratio | 7.9521% | 6,321 |
| Tier 1 risk-based capital ratio | 14.1541% | 4,337 |
| Total risk-based capital ratio | 15.4185% | 4,292 |
| Memoranda: | ||
| Average total assets | $376,634,670 | 1,753 |
| Average earning assets | $355,714,000 | 1,696 |
| Average equity | $32,449,330 | 2,124 |
| Average total loans | $203,381,670 | 1,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 5,654 |
| Cost of funding earning assets | 0.4474% | 6,160 |
| Net interest margin | 3.5873% | 4,316 |
| Noninterest income to average assets | 1.0641% | 1,272 |
| Noninterest expense to average assets | 2.6588% | 4,590 |
| Loan and lease loss provision to assets | 0.6743% | 793 |
| Net operating income to assets | 0.7659% | 3,536 |
| Return on assets (ROA) | 0.7659% | 3,774 |
| Pretax return on assets | 1.1046% | 3,308 |
| Return on Equity (ROE) | 8.9155% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.1955% | 3,441 |
| Net charge-offs to loans | 0.8645% | 1,182 |
| Credit loss provision to net charge-offs | 144.5205% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.8128% | 2,738 |
| Efficiency ratio | 59.9136% | 5,627 |
| Assets per employee ($millions) | 4.6078% | 2,794 |
| Cash dividends to net income (ytd only)* | 41.7246% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 1,273 |
| Loan loss allowance to noncurrent loans | 113.8773% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 4,103 |
| Noncurrent loans to loans | 2.2504% | 2,859 |
| Net loans and leases to total assets | 50.8641% | 5,184 |
| Net loans and leases to deposits | 62.9620% | 4,775 |
| Net loans and leases to core deposits | 69.8365% | 4,445 |
| Total domestic deposits to total assets | 80.7854% | 5,656 |
| Equity capital to assets | 8.4109% | 6,165 |
| Core capital (leverage) ratio | 8.1622% | 6,079 |
| Tier 1 risk-based capital ratio | 14.0956% | 4,403 |
| Total risk-based capital ratio | 15.3597% | 4,363 |
| Memoranda: | ||
| Average total assets | $375,513,500 | 1,768 |
| Average earning assets | $353,139,500 | 1,717 |
| Average equity | $32,258,500 | 2,133 |
| Average total loans | $202,652,500 | 2,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 5,646 |
| Cost of funding earning assets | 0.6605% | 5,766 |
| Net interest margin | 3.6747% | 4,415 |
| Noninterest income to average assets | 0.7407% | 2,386 |
| Noninterest expense to average assets | 2.6189% | 5,022 |
| Loan and lease loss provision to assets | 1.0683% | 859 |
| Net operating income to assets | 0.3800% | 4,947 |
| Return on assets (ROA) | 0.3820% | 5,116 |
| Pretax return on assets | 0.5292% | 4,904 |
| Return on Equity (ROE) | 4.4825% | 4,635 |
| Retained earnings to average equity (ytd only) | -2.2848% | 6,185 |
| Net charge-offs to loans | 1.4973% | 1,069 |
| Credit loss provision to net charge-offs | 123.3746% | 2,553 |
| Earnings coverage of net charge-offs (x) | 1.8417% | 4,393 |
| Efficiency ratio | 62.0413% | 5,454 |
| Assets per employee ($millions) | 4.4934% | 2,928 |
| Cash dividends to net income (ytd only)* | 150.9705% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 1,378 |
| Loan loss allowance to noncurrent loans | 113.0445% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 4,014 |
| Noncurrent loans to loans | 2.1687% | 2,987 |
| Net loans and leases to total assets | 54.4746% | 4,956 |
| Net loans and leases to deposits | 66.1564% | 4,706 |
| Net loans and leases to core deposits | 72.9414% | 4,385 |
| Total domestic deposits to total assets | 82.3421% | 5,011 |
| Equity capital to assets | 8.7815% | 5,817 |
| Core capital (leverage) ratio | 8.2153% | 5,965 |
| Tier 1 risk-based capital ratio | 13.7595% | 4,510 |
| Total risk-based capital ratio | 15.0223% | 4,466 |
| Memoranda: | ||
| Average total assets | $364,124,000 | 1,784 |
| Average earning assets | $344,135,800 | 1,733 |
| Average equity | $31,031,800 | 2,128 |
| Average total loans | $210,578,600 | 1,949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 5,764 |
| Cost of funding earning assets | 0.7053% | 5,730 |
| Net interest margin | 3.6479% | 4,576 |
| Noninterest income to average assets | 0.6982% | 2,624 |
| Noninterest expense to average assets | 2.6094% | 5,042 |
| Loan and lease loss provision to assets | 0.9922% | 872 |
| Net operating income to assets | 0.4001% | 5,005 |
| Return on assets (ROA) | 0.4027% | 5,173 |
| Pretax return on assets | 0.5620% | 4,926 |
| Return on Equity (ROE) | 4.7619% | 4,634 |
| Retained earnings to average equity (ytd only) | -1.2987% | 6,201 |
| Net charge-offs to loans | 1.5592% | 912 |
| Credit loss provision to net charge-offs | 109.0982% | 3,027 |
| Earnings coverage of net charge-offs (x) | 1.7049% | 4,380 |
| Efficiency ratio | 62.6034% | 5,314 |
| Assets per employee ($millions) | 4.3726% | 3,131 |
| Cash dividends to net income (ytd only)* | 127.2727% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1525% | 1,959 |
| Loan loss allowance to noncurrent loans | 97.1751% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 4,062 |
| Noncurrent loans to loans | 2.2151% | 3,092 |
| Net loans and leases to total assets | 55.3465% | 4,949 |
| Net loans and leases to deposits | 66.8613% | 4,776 |
| Net loans and leases to core deposits | 73.9242% | 4,456 |
| Total domestic deposits to total assets | 82.7781% | 4,766 |
| Equity capital to assets | 8.8131% | 5,967 |
| Core capital (leverage) ratio | 8.2772% | 6,008 |
| Tier 1 risk-based capital ratio | 13.9463% | 4,395 |
| Total risk-based capital ratio | 15.2062% | 4,356 |
| Memoranda: | ||
| Average total assets | $364,163,000 | 1,790 |
| Average earning assets | $345,575,750 | 1,727 |
| Average equity | $30,799,250 | 2,149 |
| Average total loans | $212,410,000 | 1,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 6,065 |
| Cost of funding earning assets | 0.7328% | 5,765 |
| Net interest margin | 3.5515% | 4,919 |
| Noninterest income to average assets | 0.6618% | 2,757 |
| Noninterest expense to average assets | 2.4222% | 5,776 |
| Loan and lease loss provision to assets | 0.5686% | 1,703 |
| Net operating income to assets | 0.7383% | 3,342 |
| Return on assets (ROA) | 0.7414% | 3,454 |
| Pretax return on assets | 1.0667% | 2,978 |
| Return on Equity (ROE) | 8.9999% | 2,514 |
| Retained earnings to average equity (ytd only) | 0.7178% | 5,570 |
| Net charge-offs to loans | 0.5131% | 2,561 |
| Credit loss provision to net charge-offs | 198.9390% | 1,522 |
| Earnings coverage of net charge-offs (x) | 5.7056% | 2,548 |
| Efficiency ratio | 59.5960% | 5,931 |
| Assets per employee ($millions) | 4.4508% | 2,927 |
| Cash dividends to net income (ytd only)* | 92.0245% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 2,863 |
| Loan loss allowance to noncurrent loans | 148.7151% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 5,550 |
| Noncurrent loans to loans | 1.2372% | 4,594 |
| Net loans and leases to total assets | 53.1809% | 5,404 |
| Net loans and leases to deposits | 67.0353% | 4,848 |
| Net loans and leases to core deposits | 70.4645% | 5,014 |
| Total domestic deposits to total assets | 79.3327% | 5,997 |
| Equity capital to assets | 8.3233% | 6,391 |
| Core capital (leverage) ratio | 7.7455% | 6,549 |
| Tier 1 risk-based capital ratio | 13.6105% | 4,447 |
| Total risk-based capital ratio | 14.8665% | 4,422 |
| Memoranda: | ||
| Average total assets | $263,810,670 | 2,416 |
| Average earning assets | $251,893,330 | 2,316 |
| Average equity | $21,733,670 | 2,906 |
| Average total loans | $146,951,330 | 2,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 6,039 |
| Cost of funding earning assets | 0.7554% | 5,828 |
| Net interest margin | 3.5354% | 4,870 |
| Noninterest income to average assets | 0.6362% | 2,923 |
| Noninterest expense to average assets | 2.4516% | 5,734 |
| Loan and lease loss provision to assets | 0.5340% | 1,628 |
| Net operating income to assets | 0.7109% | 3,471 |
| Return on assets (ROA) | 0.7109% | 3,535 |
| Pretax return on assets | 1.0206% | 3,056 |
| Return on Equity (ROE) | 8.6750% | 2,624 |
| Retained earnings to average equity (ytd only) | 0.2979% | 5,689 |
| Net charge-offs to loans | 0.2809% | 2,943 |
| Credit loss provision to net charge-offs | 336.5385% | 964 |
| Earnings coverage of net charge-offs (x) | 9.7981% | 1,688 |
| Efficiency ratio | 61.0053% | 5,834 |
| Assets per employee ($millions) | 4.5246% | 2,844 |
| Cash dividends to net income (ytd only)* | 96.5665% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 3,253 |
| Loan loss allowance to noncurrent loans | 121.4662% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 5,348 |
| Noncurrent loans to loans | 1.4209% | 4,335 |
| Net loans and leases to total assets | 54.0721% | 5,294 |
| Net loans and leases to deposits | 66.2367% | 4,939 |
| Net loans and leases to core deposits | 69.7406% | 5,080 |
| Total domestic deposits to total assets | 81.6346% | 5,443 |
| Equity capital to assets | 8.0767% | 6,410 |
| Core capital (leverage) ratio | 7.8515% | 6,415 |
| Tier 1 risk-based capital ratio | 13.8640% | 4,164 |
| Total risk-based capital ratio | 15.1198% | 4,134 |
| Memoranda: | ||
| Average total assets | $262,193,500 | 2,454 |
| Average earning assets | $249,927,500 | 2,345 |
| Average equity | $21,487,000 | 2,924 |
| Average total loans | $148,087,500 | 2,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 6,670 |
| Cost of funding earning assets | 1.2933% | 3,925 |
| Net interest margin | 3.0777% | 6,580 |
| Noninterest income to average assets | 0.8931% | 1,872 |
| Noninterest expense to average assets | 2.4205% | 6,049 |
| Loan and lease loss provision to assets | 0.5633% | 2,872 |
| Net operating income to assets | 0.5875% | 3,727 |
| Return on assets (ROA) | 0.6183% | 3,758 |
| Pretax return on assets | 0.8942% | 3,313 |
| Return on Equity (ROE) | 7.8702% | 2,751 |
| Retained earnings to average equity (ytd only) | 3.8740% | 3,156 |
| Net charge-offs to loans | 1.1986% | 1,866 |
| Credit loss provision to net charge-offs | 77.7268% | 5,641 |
| Earnings coverage of net charge-offs (x) | 1.9495% | 4,267 |
| Efficiency ratio | 62.9601% | 5,521 |
| Assets per employee ($millions) | 4.3633% | 3,091 |
| Cash dividends to net income (ytd only)* | 50.7766% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,845 |
| Loan loss allowance to noncurrent loans | 148.2513% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 5,824 |
| Noncurrent loans to loans | 1.0342% | 5,001 |
| Net loans and leases to total assets | 57.1036% | 5,170 |
| Net loans and leases to deposits | 70.6387% | 4,736 |
| Net loans and leases to core deposits | 74.8603% | 4,865 |
| Total domestic deposits to total assets | 80.8390% | 5,577 |
| Equity capital to assets | 8.3179% | 6,119 |
| Core capital (leverage) ratio | 7.5121% | 6,696 |
| Tier 1 risk-based capital ratio | 13.9268% | 3,914 |
| Total risk-based capital ratio | 15.1807% | 3,883 |
| Memoranda: | ||
| Average total assets | $270,734,200 | 2,357 |
| Average earning assets | $258,634,400 | 2,271 |
| Average equity | $21,270,000 | 2,973 |
| Average total loans | $163,684,600 | 2,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 6,883 |
| Cost of funding earning assets | 1.3462% | 3,926 |
| Net interest margin | 3.0102% | 6,811 |
| Noninterest income to average assets | 0.8324% | 2,066 |
| Noninterest expense to average assets | 2.4155% | 5,984 |
| Loan and lease loss provision to assets | 0.7006% | 2,190 |
| Net operating income to assets | 0.4180% | 4,668 |
| Return on assets (ROA) | 0.4593% | 4,674 |
| Pretax return on assets | 0.6548% | 4,408 |
| Return on Equity (ROE) | 5.9274% | 3,850 |
| Retained earnings to average equity (ytd only) | 3.1018% | 4,267 |
| Net charge-offs to loans | 0.7420% | 2,570 |
| Credit loss provision to net charge-offs | 154.6724% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.8625% | 3,701 |
| Efficiency ratio | 64.8886% | 5,070 |
| Assets per employee ($millions) | 4.4409% | 3,006 |
| Cash dividends to net income (ytd only)* | 47.6697% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,080 |
| Loan loss allowance to noncurrent loans | 48.9780% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 2,972 |
| Noncurrent loans to loans | 4.2108% | 1,734 |
| Net loans and leases to total assets | 55.7953% | 5,573 |
| Net loans and leases to deposits | 72.0714% | 4,831 |
| Net loans and leases to core deposits | 76.4982% | 4,995 |
| Total domestic deposits to total assets | 77.4168% | 6,387 |
| Equity capital to assets | 7.8875% | 6,876 |
| Core capital (leverage) ratio | 7.3476% | 6,975 |
| Tier 1 risk-based capital ratio | 13.5368% | 4,174 |
| Total risk-based capital ratio | 14.7979% | 4,114 |
| Memoranda: | ||
| Average total assets | $274,059,250 | 2,355 |
| Average earning assets | $262,169,500 | 2,271 |
| Average equity | $21,234,250 | 3,019 |
| Average total loans | $167,282,500 | 2,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 6,927 |
| Cost of funding earning assets | 1.3928% | 3,920 |
| Net interest margin | 2.9939% | 6,838 |
| Noninterest income to average assets | 0.7463% | 2,420 |
| Noninterest expense to average assets | 2.4266% | 5,988 |
| Loan and lease loss provision to assets | 0.7017% | 2,069 |
| Net operating income to assets | 0.3421% | 5,005 |
| Return on assets (ROA) | 0.4049% | 4,895 |
| Pretax return on assets | 0.5738% | 4,653 |
| Return on Equity (ROE) | 5.2578% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.8852% | 4,303 |
| Net charge-offs to loans | 0.1335% | 4,875 |
| Credit loss provision to net charge-offs | 842.1053% | 444 |
| Earnings coverage of net charge-offs (x) | 14.2456% | 1,537 |
| Efficiency ratio | 66.9498% | 4,776 |
| Assets per employee ($millions) | 4.4519% | 2,960 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,852 |
| Loan loss allowance to noncurrent loans | 45.5612% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 2.8870% | 2,490 |
| Noncurrent loans to loans | 4.7335% | 1,499 |
| Net loans and leases to total assets | 59.6745% | 5,128 |
| Net loans and leases to deposits | 76.8423% | 4,183 |
| Net loans and leases to core deposits | 82.0494% | 4,411 |
| Total domestic deposits to total assets | 77.6584% | 6,351 |
| Equity capital to assets | 7.8563% | 6,882 |
| Core capital (leverage) ratio | 7.3669% | 6,942 |
| Tier 1 risk-based capital ratio | 13.0379% | 4,407 |
| Total risk-based capital ratio | 14.3010% | 4,352 |
| Memoranda: | ||
| Average total assets | $273,634,670 | 2,382 |
| Average earning assets | $262,067,000 | 2,285 |
| Average equity | $21,073,330 | 3,028 |
| Average total loans | $170,757,330 | 2,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 7,040 |
| Cost of funding earning assets | 1.4016% | 4,164 |
| Net interest margin | 2.9705% | 6,896 |
| Noninterest income to average assets | 0.6976% | 2,619 |
| Noninterest expense to average assets | 2.4364% | 5,962 |
| Loan and lease loss provision to assets | 0.6990% | 1,823 |
| Net operating income to assets | 0.3214% | 5,204 |
| Return on assets (ROA) | 0.3364% | 5,258 |
| Pretax return on assets | 0.4267% | 5,205 |
| Return on Equity (ROE) | 4.4121% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.4121% | 3,507 |
| Net charge-offs to loans | 0.1108% | 4,321 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 15.8333% | 1,360 |
| Efficiency ratio | 68.5573% | 4,616 |
| Assets per employee ($millions) | 4.5391% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 2,555 |
| Loan loss allowance to noncurrent loans | 40.1730% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8864% | 2,489 |
| Noncurrent loans to loans | 4.6194% | 1,610 |
| Net loans and leases to total assets | 61.3256% | 4,889 |
| Net loans and leases to deposits | 80.4145% | 3,570 |
| Net loans and leases to core deposits | 86.2396% | 3,859 |
| Total domestic deposits to total assets | 76.2619% | 6,714 |
| Equity capital to assets | 7.7252% | 6,906 |
| Core capital (leverage) ratio | 7.2769% | 7,051 |
| Tier 1 risk-based capital ratio | 12.1836% | 5,010 |
| Total risk-based capital ratio | 13.4422% | 4,977 |
| Memoranda: | ||
| Average total assets | $274,669,500 | 2,433 |
| Average earning assets | $263,119,500 | 2,331 |
| Average equity | $20,942,500 | 3,069 |
| Average total loans | $173,322,500 | 2,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 7,006 |
| Cost of funding earning assets | 1.5011% | 5,510 |
| Net interest margin | 3.2692% | 5,860 |
| Noninterest income to average assets | 1.0441% | 1,426 |
| Noninterest expense to average assets | 2.5753% | 5,884 |
| Loan and lease loss provision to assets | 0.4462% | 4,151 |
| Net operating income to assets | 0.6927% | 2,964 |
| Return on assets (ROA) | 0.8400% | 2,467 |
| Pretax return on assets | 1.3678% | 1,508 |
| Return on Equity (ROE) | 11.3385% | 1,341 |
| Retained earnings to average equity (ytd only) | 7.0398% | 950 |
| Net charge-offs to loans | 0.5761% | 3,489 |
| Credit loss provision to net charge-offs | 114.2994% | 4,792 |
| Earnings coverage of net charge-offs (x) | 4.0576% | 3,083 |
| Efficiency ratio | 61.6285% | 6,214 |
| Assets per employee ($millions) | 4.4677% | 2,984 |
| Cash dividends to net income (ytd only)* | 37.9126% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,498 |
| Loan loss allowance to noncurrent loans | 35.9346% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.7477% | 2,542 |
| Noncurrent loans to loans | 4.2987% | 1,681 |
| Net loans and leases to total assets | 62.7247% | 4,862 |
| Net loans and leases to deposits | 80.5991% | 3,871 |
| Net loans and leases to core deposits | 94.7247% | 4,597 |
| Total domestic deposits to total assets | 77.8231% | 6,262 |
| Equity capital to assets | 7.5257% | 7,012 |
| Core capital (leverage) ratio | 7.2748% | 7,005 |
| Tier 1 risk-based capital ratio | 11.4086% | 5,500 |
| Total risk-based capital ratio | 12.6627% | 5,456 |
| Memoranda: | ||
| Average total assets | $266,915,800 | 2,457 |
| Average earning assets | $254,345,000 | 2,369 |
| Average equity | $19,773,400 | 3,239 |
| Average total loans | $180,857,200 | 2,502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 7,111 |
| Cost of funding earning assets | 1.5288% | 5,720 |
| Net interest margin | 3.2754% | 5,728 |
| Noninterest income to average assets | 1.1245% | 1,251 |
| Noninterest expense to average assets | 2.6767% | 5,427 |
| Loan and lease loss provision to assets | 0.4972% | 3,412 |
| Net operating income to assets | 0.7436% | 3,049 |
| Return on assets (ROA) | 0.8230% | 2,775 |
| Pretax return on assets | 1.1800% | 2,326 |
| Return on Equity (ROE) | 11.1557% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.7379% | 1,221 |
| Net charge-offs to loans | 0.6910% | 2,624 |
| Credit loss provision to net charge-offs | 104.5599% | 4,862 |
| Earnings coverage of net charge-offs (x) | 3.2884% | 3,592 |
| Efficiency ratio | 62.8137% | 5,964 |
| Assets per employee ($millions) | 4.1958% | 3,385 |
| Cash dividends to net income (ytd only)* | 30.6372% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 3,694 |
| Loan loss allowance to noncurrent loans | 58.6918% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 2,943 |
| Noncurrent loans to loans | 2.4698% | 3,051 |
| Net loans and leases to total assets | 66.3310% | 4,347 |
| Net loans and leases to deposits | 89.3786% | 2,701 |
| Net loans and leases to core deposits | 104.2552% | 3,909 |
| Total domestic deposits to total assets | 74.2135% | 6,910 |
| Equity capital to assets | 7.8173% | 7,020 |
| Core capital (leverage) ratio | 7.2938% | 7,193 |
| Tier 1 risk-based capital ratio | 11.0041% | 5,951 |
| Total risk-based capital ratio | 12.2569% | 5,914 |
| Memoranda: | ||
| Average total assets | $264,395,750 | 2,486 |
| Average earning assets | $251,527,750 | 2,411 |
| Average equity | $19,505,250 | 3,315 |
| Average total loans | $181,953,750 | 2,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 7,153 |
| Cost of funding earning assets | 1.5648% | 5,861 |
| Net interest margin | 3.2741% | 5,641 |
| Noninterest income to average assets | 1.2585% | 965 |
| Noninterest expense to average assets | 2.7458% | 5,196 |
| Loan and lease loss provision to assets | 0.7041% | 2,318 |
| Net operating income to assets | 0.6473% | 3,477 |
| Return on assets (ROA) | 0.7665% | 3,089 |
| Pretax return on assets | 1.0957% | 2,651 |
| Return on Equity (ROE) | 10.6051% | 1,819 |
| Retained earnings to average equity (ytd only) | 5.3446% | 2,327 |
| Net charge-offs to loans | 0.2128% | 4,182 |
| Credit loss provision to net charge-offs | 477.3196% | 973 |
| Earnings coverage of net charge-offs (x) | 11.0464% | 1,939 |
| Efficiency ratio | 62.4435% | 6,177 |
| Assets per employee ($millions) | 4.0892% | 3,514 |
| Cash dividends to net income (ytd only)* | 49.6032% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 1,861 |
| Loan loss allowance to noncurrent loans | 71.1154% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4443% | 2,642 |
| Noncurrent loans to loans | 2.6327% | 2,749 |
| Net loans and leases to total assets | 65.2481% | 4,714 |
| Net loans and leases to deposits | 86.3459% | 3,487 |
| Net loans and leases to core deposits | 102.5212% | 4,228 |
| Total domestic deposits to total assets | 75.5659% | 6,643 |
| Equity capital to assets | 7.5237% | 7,242 |
| Core capital (leverage) ratio | 7.0988% | 7,454 |
| Tier 1 risk-based capital ratio | 10.7873% | 6,097 |
| Total risk-based capital ratio | 12.0454% | 6,027 |
| Memoranda: | ||
| Average total assets | $263,017,000 | 2,506 |
| Average earning assets | $250,391,330 | 2,439 |
| Average equity | $19,009,670 | 3,388 |
| Average total loans | $182,358,330 | 2,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 7,195 |
| Cost of funding earning assets | 1.6102% | 5,988 |
| Net interest margin | 3.2814% | 5,571 |
| Noninterest income to average assets | 1.1559% | 1,102 |
| Noninterest expense to average assets | 2.6450% | 5,242 |
| Loan and lease loss provision to assets | 0.5351% | 2,332 |
| Net operating income to assets | 0.7755% | 3,233 |
| Return on assets (ROA) | 0.7262% | 3,633 |
| Pretax return on assets | 1.0335% | 3,232 |
| Return on Equity (ROE) | 10.2617% | 2,215 |
| Retained earnings to average equity (ytd only) | -0.5401% | 5,776 |
| Net charge-offs to loans | 0.3219% | 2,808 |
| Credit loss provision to net charge-offs | 234.8993% | 1,966 |
| Earnings coverage of net charge-offs (x) | 7.1946% | 2,378 |
| Efficiency ratio | 61.4204% | 6,174 |
| Assets per employee ($millions) | 4.0294% | 3,603 |
| Cash dividends to net income (ytd only)* | 105.2632% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 2,798 |
| Loan loss allowance to noncurrent loans | 80.4518% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.9927% | 2,917 |
| Noncurrent loans to loans | 1.9062% | 3,401 |
| Net loans and leases to total assets | 68.1037% | 4,113 |
| Net loans and leases to deposits | 89.8557% | 2,954 |
| Net loans and leases to core deposits | 106.5042% | 3,854 |
| Total domestic deposits to total assets | 75.7923% | 6,556 |
| Equity capital to assets | 7.2976% | 7,496 |
| Core capital (leverage) ratio | 6.8117% | 7,763 |
| Tier 1 risk-based capital ratio | 10.2458% | 6,651 |
| Total risk-based capital ratio | 11.4997% | 6,573 |
| Memoranda: | ||
| Average total assets | $261,625,000 | 2,534 |
| Average earning assets | $249,408,000 | 2,453 |
| Average equity | $18,515,500 | 3,483 |
| Average total loans | $185,168,000 | 2,530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 5,614 |
| Cost of funding earning assets | 2.2848% | 5,227 |
| Net interest margin | 3.7007% | 4,470 |
| Noninterest income to average assets | 0.8247% | 2,386 |
| Noninterest expense to average assets | 2.5188% | 5,937 |
| Loan and lease loss provision to assets | 0.2073% | 4,820 |
| Net operating income to assets | 1.2164% | 1,725 |
| Return on assets (ROA) | 0.3817% | 5,039 |
| Pretax return on assets | 0.4842% | 5,018 |
| Return on Equity (ROE) | 5.3542% | 4,213 |
| Retained earnings to average equity (ytd only) | -3.2642% | 6,166 |
| Net charge-offs to loans | 0.1200% | 5,049 |
| Credit loss provision to net charge-offs | 234.7826% | 2,023 |
| Earnings coverage of net charge-offs (x) | 19.7957% | 1,608 |
| Efficiency ratio | 58.7060% | 6,572 |
| Assets per employee ($millions) | 3.9006% | 3,731 |
| Cash dividends to net income (ytd only)* | 160.9658% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,409 |
| Loan loss allowance to noncurrent loans | 48.0336% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 2,394 |
| Noncurrent loans to loans | 2.8358% | 1,910 |
| Net loans and leases to total assets | 71.4053% | 3,704 |
| Net loans and leases to deposits | 95.6092% | 2,507 |
| Net loans and leases to core deposits | 111.3962% | 3,625 |
| Total domestic deposits to total assets | 74.6845% | 6,520 |
| Equity capital to assets | 6.8562% | 7,802 |
| Core capital (leverage) ratio | 6.5622% | 7,910 |
| Tier 1 risk-based capital ratio | 9.1119% | 7,705 |
| Total risk-based capital ratio | 10.3637% | 7,665 |
| Memoranda: | ||
| Average total assets | $260,444,800 | 2,457 |
| Average earning assets | $242,249,600 | 2,434 |
| Average equity | $18,565,000 | 3,465 |
| Average total loans | $191,687,000 | 2,374 |