Home > Firstbank - West Branch > Performance and Condition Ratios
Firstbank - West Branch, 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 | 5.2236% | 1,075 |
| Cost of funding earning assets | 0.5198% | 5,072 |
| Net interest margin | 4.7038% | 643 |
| Noninterest income to average assets | 0.6632% | 2,920 |
| Noninterest expense to average assets | 2.9016% | 3,630 |
| Loan and lease loss provision to assets | 0.8989% | 498 |
| Net operating income to assets | 0.8820% | 2,904 |
| Return on assets (ROA) | 0.8857% | 3,129 |
| Pretax return on assets | 1.2460% | 2,615 |
| Return on Equity (ROE) | 10.3530% | 2,023 |
| Retained earnings to average equity (ytd only) | 1.2468% | 5,245 |
| Net charge-offs to loans | 1.0540% | 1,019 |
| Credit loss provision to net charge-offs | 113.3501% | 2,566 |
| Earnings coverage of net charge-offs (x) | 2.6982% | 4,084 |
| Efficiency ratio | 57.5561% | 5,891 |
| Assets per employee ($millions) | 3.2756% | 5,467 |
| Cash dividends to net income (ytd only)* | 87.9567% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 1,838 |
| Loan loss allowance to noncurrent loans | 63.7761% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.7363% | 1,761 |
| Noncurrent loans to loans | 3.2417% | 1,591 |
| Net loans and leases to total assets | 72.6297% | 1,400 |
| Net loans and leases to deposits | 88.8380% | 1,183 |
| Net loans and leases to core deposits | 94.5076% | 1,426 |
| Total domestic deposits to total assets | 81.7553% | 5,177 |
| Equity capital to assets | 8.6255% | 5,937 |
| Core capital (leverage) ratio | 8.5466% | 5,547 |
| Tier 1 risk-based capital ratio | 12.7873% | 5,262 |
| Total risk-based capital ratio | 14.0505% | 5,191 |
| Memoranda: | ||
| Average total assets | $250,312,800 | 2,528 |
| Average earning assets | $232,980,800 | 2,472 |
| Average equity | $21,414,000 | 3,050 |
| Average total loans | $188,325,200 | 2,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 1,076 |
| Cost of funding earning assets | 0.5360% | 5,203 |
| Net interest margin | 4.7273% | 633 |
| Noninterest income to average assets | 0.8293% | 2,126 |
| Noninterest expense to average assets | 3.0256% | 3,151 |
| Loan and lease loss provision to assets | 0.9841% | 419 |
| Net operating income to assets | 0.8770% | 3,097 |
| Return on assets (ROA) | 0.8819% | 3,310 |
| Pretax return on assets | 1.2319% | 2,862 |
| Return on Equity (ROE) | 10.3303% | 2,204 |
| Retained earnings to average equity (ytd only) | 2.2305% | 5,224 |
| Net charge-offs to loans | 1.0695% | 972 |
| Credit loss provision to net charge-offs | 121.8709% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.7358% | 3,939 |
| Efficiency ratio | 57.7990% | 5,817 |
| Assets per employee ($millions) | 3.2859% | 5,466 |
| Cash dividends to net income (ytd only)* | 78.4078% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 1,961 |
| Loan loss allowance to noncurrent loans | 68.1523% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.5876% | 2,040 |
| Noncurrent loans to loans | 3.0476% | 1,827 |
| Net loans and leases to total assets | 73.3261% | 1,348 |
| Net loans and leases to deposits | 88.5732% | 1,290 |
| Net loans and leases to core deposits | 94.3790% | 1,546 |
| Total domestic deposits to total assets | 82.7859% | 4,728 |
| Equity capital to assets | 8.6409% | 6,146 |
| Core capital (leverage) ratio | 8.4401% | 5,836 |
| Tier 1 risk-based capital ratio | 12.6543% | 5,520 |
| Total risk-based capital ratio | 13.9174% | 5,469 |
| Memoranda: | ||
| Average total assets | $250,653,750 | 2,548 |
| Average earning assets | $233,589,000 | 2,493 |
| Average equity | $21,399,250 | 3,080 |
| Average total loans | $189,249,500 | 2,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 1,054 |
| Cost of funding earning assets | 0.5574% | 5,249 |
| Net interest margin | 4.7443% | 618 |
| Noninterest income to average assets | 0.8376% | 2,017 |
| Noninterest expense to average assets | 3.0060% | 3,237 |
| Loan and lease loss provision to assets | 1.1157% | 380 |
| Net operating income to assets | 0.8244% | 3,277 |
| Return on assets (ROA) | 0.8320% | 3,498 |
| Pretax return on assets | 1.1420% | 3,146 |
| Return on Equity (ROE) | 9.7847% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.7555% | 4,786 |
| Net charge-offs to loans | 1.0726% | 1,022 |
| Credit loss provision to net charge-offs | 137.3896% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 3,638 |
| Efficiency ratio | 57.2209% | 5,968 |
| Assets per employee ($millions) | 3.3379% | 5,363 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 2,055 |
| Loan loss allowance to noncurrent loans | 65.0298% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8380% | 1,941 |
| Noncurrent loans to loans | 3.1866% | 1,826 |
| Net loans and leases to total assets | 75.2457% | 1,069 |
| Net loans and leases to deposits | 91.5640% | 994 |
| Net loans and leases to core deposits | 97.5439% | 1,305 |
| Total domestic deposits to total assets | 82.1783% | 5,062 |
| Equity capital to assets | 8.6957% | 6,031 |
| Core capital (leverage) ratio | 8.4011% | 5,786 |
| Tier 1 risk-based capital ratio | 12.5965% | 5,499 |
| Total risk-based capital ratio | 13.8600% | 5,469 |
| Memoranda: | ||
| Average total assets | $250,961,330 | 2,541 |
| Average earning assets | $233,587,670 | 2,488 |
| Average equity | $21,339,330 | 3,067 |
| Average total loans | $189,998,670 | 2,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 1,047 |
| Cost of funding earning assets | 0.5755% | 5,312 |
| Net interest margin | 4.7491% | 629 |
| Noninterest income to average assets | 0.8382% | 1,994 |
| Noninterest expense to average assets | 2.9999% | 3,250 |
| Loan and lease loss provision to assets | 1.1070% | 360 |
| Net operating income to assets | 0.8591% | 3,113 |
| Return on assets (ROA) | 0.8745% | 3,260 |
| Pretax return on assets | 1.1623% | 3,062 |
| Return on Equity (ROE) | 10.3999% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.7580% | 3,702 |
| Net charge-offs to loans | 1.0626% | 969 |
| Credit loss provision to net charge-offs | 138.6139% | 1,776 |
| Earnings coverage of net charge-offs (x) | 2.8158% | 3,055 |
| Efficiency ratio | 57.1558% | 6,025 |
| Assets per employee ($millions) | 3.4786% | 5,166 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 2,504 |
| Loan loss allowance to noncurrent loans | 54.6848% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.9998% | 1,929 |
| Noncurrent loans to loans | 3.5787% | 1,737 |
| Net loans and leases to total assets | 72.9236% | 1,240 |
| Net loans and leases to deposits | 87.7543% | 1,199 |
| Net loans and leases to core deposits | 95.1921% | 1,358 |
| Total domestic deposits to total assets | 83.0997% | 4,885 |
| Equity capital to assets | 8.3169% | 6,260 |
| Core capital (leverage) ratio | 8.2286% | 5,982 |
| Tier 1 risk-based capital ratio | 12.4509% | 5,645 |
| Total risk-based capital ratio | 13.7128% | 5,599 |
| Memoranda: | ||
| Average total assets | $252,938,000 | 2,540 |
| Average earning assets | $234,907,000 | 2,490 |
| Average equity | $21,269,500 | 3,078 |
| Average total loans | $190,100,000 | 2,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 742 |
| Cost of funding earning assets | 0.7821% | 4,993 |
| Net interest margin | 4.9443% | 467 |
| Noninterest income to average assets | 0.3595% | 4,941 |
| Noninterest expense to average assets | 2.9893% | 3,630 |
| Loan and lease loss provision to assets | 1.2576% | 670 |
| Net operating income to assets | 0.4818% | 4,499 |
| Return on assets (ROA) | 0.4818% | 4,708 |
| Pretax return on assets | 0.6714% | 4,431 |
| Return on Equity (ROE) | 5.5997% | 4,082 |
| Retained earnings to average equity (ytd only) | -2.9277% | 6,265 |
| Net charge-offs to loans | 1.1940% | 1,411 |
| Credit loss provision to net charge-offs | 135.0701% | 2,223 |
| Earnings coverage of net charge-offs (x) | 2.0718% | 4,228 |
| Efficiency ratio | 60.7791% | 5,634 |
| Assets per employee ($millions) | 3.1854% | 5,741 |
| Cash dividends to net income (ytd only)* | 152.2843% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,626 |
| Loan loss allowance to noncurrent loans | 61.4214% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.8769% | 2,096 |
| Noncurrent loans to loans | 3.0641% | 2,116 |
| Net loans and leases to total assets | 74.5327% | 1,167 |
| Net loans and leases to deposits | 91.6072% | 1,002 |
| Net loans and leases to core deposits | 97.7168% | 1,355 |
| Total domestic deposits to total assets | 81.3612% | 5,342 |
| Equity capital to assets | 8.5044% | 6,146 |
| Core capital (leverage) ratio | 8.3857% | 5,735 |
| Tier 1 risk-based capital ratio | 12.1284% | 5,742 |
| Total risk-based capital ratio | 13.3885% | 5,713 |
| Memoranda: | ||
| Average total assets | $245,308,200 | 2,578 |
| Average earning assets | $226,180,600 | 2,546 |
| Average equity | $21,108,400 | 2,996 |
| Average total loans | $191,287,200 | 2,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 714 |
| Cost of funding earning assets | 0.8298% | 4,949 |
| Net interest margin | 4.9588% | 452 |
| Noninterest income to average assets | 0.3659% | 4,943 |
| Noninterest expense to average assets | 2.9843% | 3,611 |
| Loan and lease loss provision to assets | 1.2732% | 592 |
| Net operating income to assets | 0.4902% | 4,580 |
| Return on assets (ROA) | 0.4902% | 4,772 |
| Pretax return on assets | 0.6832% | 4,543 |
| Return on Equity (ROE) | 5.6800% | 4,190 |
| Retained earnings to average equity (ytd only) | -2.5335% | 6,364 |
| Net charge-offs to loans | 1.1226% | 1,413 |
| Credit loss provision to net charge-offs | 144.4926% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.2203% | 4,018 |
| Efficiency ratio | 60.4017% | 5,649 |
| Assets per employee ($millions) | 3.1716% | 5,750 |
| Cash dividends to net income (ytd only)* | 144.6047% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,786 |
| Loan loss allowance to noncurrent loans | 57.9589% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 3.3333% | 1,904 |
| Noncurrent loans to loans | 3.1887% | 2,179 |
| Net loans and leases to total assets | 74.4948% | 1,235 |
| Net loans and leases to deposits | 89.1056% | 1,309 |
| Net loans and leases to core deposits | 93.1510% | 1,869 |
| Total domestic deposits to total assets | 83.6029% | 4,430 |
| Equity capital to assets | 8.6218% | 6,173 |
| Core capital (leverage) ratio | 8.5160% | 5,689 |
| Tier 1 risk-based capital ratio | 12.5313% | 5,464 |
| Total risk-based capital ratio | 13.7916% | 5,446 |
| Memoranda: | ||
| Average total assets | $244,520,250 | 2,590 |
| Average earning assets | $225,588,000 | 2,559 |
| Average equity | $21,103,000 | 2,995 |
| Average total loans | $191,925,000 | 2,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 653 |
| Cost of funding earning assets | 0.8658% | 4,945 |
| Net interest margin | 4.9842% | 409 |
| Noninterest income to average assets | 0.2307% | 6,003 |
| Noninterest expense to average assets | 2.9889% | 3,687 |
| Loan and lease loss provision to assets | 1.4247% | 509 |
| Net operating income to assets | 0.3080% | 5,343 |
| Return on assets (ROA) | 0.3055% | 5,488 |
| Pretax return on assets | 0.4040% | 5,383 |
| Return on Equity (ROE) | 3.5382% | 5,145 |
| Retained earnings to average equity (ytd only) | -8.8265% | 6,817 |
| Net charge-offs to loans | 1.0584% | 1,485 |
| Credit loss provision to net charge-offs | 169.5992% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.1808% | 3,750 |
| Efficiency ratio | 61.9997% | 5,586 |
| Assets per employee ($millions) | 3.1449% | 5,764 |
| Cash dividends to net income (ytd only)* | 349.4624% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,935 |
| Loan loss allowance to noncurrent loans | 57.4486% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 3.3668% | 1,960 |
| Noncurrent loans to loans | 3.1591% | 2,273 |
| Net loans and leases to total assets | 77.3673% | 862 |
| Net loans and leases to deposits | 93.4461% | 912 |
| Net loans and leases to core deposits | 98.0069% | 1,505 |
| Total domestic deposits to total assets | 82.7935% | 4,852 |
| Equity capital to assets | 8.5601% | 6,113 |
| Core capital (leverage) ratio | 8.3734% | 5,749 |
| Tier 1 risk-based capital ratio | 11.9991% | 5,789 |
| Total risk-based capital ratio | 13.2586% | 5,749 |
| Memoranda: | ||
| Average total assets | $243,565,330 | 2,615 |
| Average earning assets | $224,310,330 | 2,586 |
| Average equity | $21,027,670 | 2,995 |
| Average total loans | $193,313,670 | 2,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 578 |
| Cost of funding earning assets | 0.8805% | 5,062 |
| Net interest margin | 5.0342% | 357 |
| Noninterest income to average assets | 0.4798% | 4,049 |
| Noninterest expense to average assets | 3.0082% | 3,612 |
| Loan and lease loss provision to assets | 1.2282% | 570 |
| Net operating income to assets | 0.6187% | 3,936 |
| Return on assets (ROA) | 0.6141% | 4,034 |
| Pretax return on assets | 0.8712% | 3,616 |
| Return on Equity (ROE) | 7.0832% | 3,335 |
| Retained earnings to average equity (ytd only) | -10.8608% | 6,902 |
| Net charge-offs to loans | 0.8861% | 1,494 |
| Credit loss provision to net charge-offs | 174.0139% | 1,673 |
| Earnings coverage of net charge-offs (x) | 2.9838% | 2,891 |
| Efficiency ratio | 58.8216% | 6,153 |
| Assets per employee ($millions) | 3.2128% | 5,684 |
| Cash dividends to net income (ytd only)* | 253.3333% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,789 |
| Loan loss allowance to noncurrent loans | 97.6774% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.2492% | 3,006 |
| Noncurrent loans to loans | 1.6238% | 4,044 |
| Net loans and leases to total assets | 78.0120% | 723 |
| Net loans and leases to deposits | 95.3211% | 733 |
| Net loans and leases to core deposits | 98.6954% | 1,456 |
| Total domestic deposits to total assets | 81.8412% | 5,372 |
| Equity capital to assets | 8.5582% | 5,829 |
| Core capital (leverage) ratio | 8.5683% | 5,317 |
| Tier 1 risk-based capital ratio | 12.1098% | 5,593 |
| Total risk-based capital ratio | 13.3664% | 5,582 |
| Memoranda: | ||
| Average total assets | $244,268,500 | 2,622 |
| Average earning assets | $224,860,000 | 2,603 |
| Average equity | $21,177,000 | 2,964 |
| Average total loans | $194,563,000 | 2,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 730 |
| Cost of funding earning assets | 1.2120% | 4,482 |
| Net interest margin | 4.8653% | 581 |
| Noninterest income to average assets | 0.7692% | 2,428 |
| Noninterest expense to average assets | 2.9894% | 3,890 |
| Loan and lease loss provision to assets | 0.6801% | 2,421 |
| Net operating income to assets | 1.0632% | 1,829 |
| Return on assets (ROA) | 1.0743% | 1,876 |
| Pretax return on assets | 1.5818% | 1,172 |
| Return on Equity (ROE) | 12.6760% | 1,168 |
| Retained earnings to average equity (ytd only) | 4.4631% | 2,742 |
| Net charge-offs to loans | 0.4685% | 3,744 |
| Credit loss provision to net charge-offs | 179.4334% | 1,841 |
| Earnings coverage of net charge-offs (x) | 5.9244% | 2,495 |
| Efficiency ratio | 57.1038% | 6,447 |
| Assets per employee ($millions) | 3.1329% | 5,811 |
| Cash dividends to net income (ytd only)* | 64.7908% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,476 |
| Loan loss allowance to noncurrent loans | 86.4008% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 2.4378% | 2,838 |
| Noncurrent loans to loans | 1.6281% | 4,063 |
| Net loans and leases to total assets | 78.9072% | 813 |
| Net loans and leases to deposits | 100.2183% | 563 |
| Net loans and leases to core deposits | 104.9184% | 1,259 |
| Total domestic deposits to total assets | 78.7353% | 6,151 |
| Equity capital to assets | 8.7808% | 5,465 |
| Core capital (leverage) ratio | 8.6374% | 5,131 |
| Tier 1 risk-based capital ratio | 12.3015% | 5,206 |
| Total risk-based capital ratio | 13.5558% | 5,169 |
| Memoranda: | ||
| Average total assets | $251,424,000 | 2,532 |
| Average earning assets | $230,777,000 | 2,519 |
| Average equity | $21,308,000 | 2,969 |
| Average total loans | $203,400,800 | 2,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0562% | 833 |
| Cost of funding earning assets | 1.2690% | 4,445 |
| Net interest margin | 4.7872% | 693 |
| Noninterest income to average assets | 0.7604% | 2,453 |
| Noninterest expense to average assets | 3.0016% | 3,737 |
| Loan and lease loss provision to assets | 0.7083% | 2,157 |
| Net operating income to assets | 0.9774% | 2,311 |
| Return on assets (ROA) | 0.9921% | 2,377 |
| Pretax return on assets | 1.4624% | 1,714 |
| Return on Equity (ROE) | 11.8094% | 1,560 |
| Retained earnings to average equity (ytd only) | 5.8545% | 2,439 |
| Net charge-offs to loans | 0.3110% | 4,094 |
| Credit loss provision to net charge-offs | 280.7933% | 1,159 |
| Earnings coverage of net charge-offs (x) | 8.5198% | 2,148 |
| Efficiency ratio | 58.2762% | 6,226 |
| Assets per employee ($millions) | 3.1355% | 5,840 |
| Cash dividends to net income (ytd only)* | 50.4248% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,243 |
| Loan loss allowance to noncurrent loans | 67.0574% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 3.0121% | 2,407 |
| Noncurrent loans to loans | 2.1516% | 3,508 |
| Net loans and leases to total assets | 76.9221% | 1,235 |
| Net loans and leases to deposits | 98.4286% | 769 |
| Net loans and leases to core deposits | 107.4762% | 1,199 |
| Total domestic deposits to total assets | 78.1502% | 6,229 |
| Equity capital to assets | 8.5180% | 6,258 |
| Core capital (leverage) ratio | 8.3776% | 5,740 |
| Tier 1 risk-based capital ratio | 12.0258% | 5,437 |
| Total risk-based capital ratio | 13.2803% | 5,402 |
| Memoranda: | ||
| Average total assets | $253,189,250 | 2,555 |
| Average earning assets | $232,197,750 | 2,541 |
| Average equity | $21,270,750 | 3,014 |
| Average total loans | $205,358,250 | 2,138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0862% | 778 |
| Cost of funding earning assets | 1.3530% | 4,176 |
| Net interest margin | 4.7332% | 762 |
| Noninterest income to average assets | 0.7354% | 2,481 |
| Noninterest expense to average assets | 3.0981% | 3,334 |
| Loan and lease loss provision to assets | 0.7354% | 1,970 |
| Net operating income to assets | 0.8320% | 2,815 |
| Return on assets (ROA) | 0.8540% | 2,864 |
| Pretax return on assets | 1.2636% | 2,210 |
| Return on Equity (ROE) | 10.2129% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.2129% | 798 |
| Net charge-offs to loans | 0.2888% | 3,892 |
| Credit loss provision to net charge-offs | 310.0000% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.2900% | 2,158 |
| Efficiency ratio | 61.1710% | 5,825 |
| Assets per employee ($millions) | 3.1153% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,009 |
| Loan loss allowance to noncurrent loans | 51.0208% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 3.3095% | 2,133 |
| Noncurrent loans to loans | 2.5183% | 3,137 |
| Net loans and leases to total assets | 80.8933% | 679 |
| Net loans and leases to deposits | 104.0789% | 479 |
| Net loans and leases to core deposits | 113.6662% | 931 |
| Total domestic deposits to total assets | 77.7231% | 6,331 |
| Equity capital to assets | 8.7151% | 5,862 |
| Core capital (leverage) ratio | 8.4994% | 5,410 |
| Tier 1 risk-based capital ratio | 11.6802% | 5,601 |
| Total risk-based capital ratio | 12.9325% | 5,560 |
| Memoranda: | ||
| Average total assets | $252,926,000 | 2,578 |
| Average earning assets | $231,343,330 | 2,574 |
| Average equity | $21,149,670 | 3,020 |
| Average total loans | $207,735,670 | 2,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0683% | 839 |
| Cost of funding earning assets | 1.4195% | 4,052 |
| Net interest margin | 4.6488% | 871 |
| Noninterest income to average assets | 0.7614% | 2,222 |
| Noninterest expense to average assets | 3.3080% | 2,510 |
| Loan and lease loss provision to assets | 0.6515% | 1,952 |
| Net operating income to assets | 0.7501% | 3,211 |
| Return on assets (ROA) | 0.7787% | 3,174 |
| Pretax return on assets | 1.1053% | 2,716 |
| Return on Equity (ROE) | 9.5090% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.5090% | 1,269 |
| Net charge-offs to loans | 0.2902% | 3,250 |
| Credit loss provision to net charge-offs | 273.0263% | 1,450 |
| Earnings coverage of net charge-offs (x) | 7.1908% | 2,121 |
| Efficiency ratio | 65.8438% | 5,154 |
| Assets per employee ($millions) | 3.3297% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 6,098 |
| Loan loss allowance to noncurrent loans | 42.8355% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.8383% | 2,551 |
| Noncurrent loans to loans | 2.5243% | 3,152 |
| Net loans and leases to total assets | 80.5337% | 761 |
| Net loans and leases to deposits | 106.5665% | 401 |
| Net loans and leases to core deposits | 113.0043% | 1,094 |
| Total domestic deposits to total assets | 75.5713% | 6,822 |
| Equity capital to assets | 8.2305% | 6,390 |
| Core capital (leverage) ratio | 8.1787% | 5,942 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,980 |
| Total risk-based capital ratio | 12.3909% | 5,982 |
| Memoranda: | ||
| Average total assets | $254,778,000 | 2,602 |
| Average earning assets | $233,607,000 | 2,606 |
| Average equity | $20,864,500 | 3,082 |
| Average total loans | $209,489,500 | 2,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 1,180 |
| Cost of funding earning assets | 1.7589% | 4,204 |
| Net interest margin | 4.4653% | 1,254 |
| Noninterest income to average assets | 1.4562% | 681 |
| Noninterest expense to average assets | 3.5737% | 2,211 |
| Loan and lease loss provision to assets | 0.1433% | 6,209 |
| Net operating income to assets | 1.2191% | 1,199 |
| Return on assets (ROA) | 1.2588% | 1,170 |
| Pretax return on assets | 1.9455% | 454 |
| Return on Equity (ROE) | 15.8847% | 568 |
| Retained earnings to average equity (ytd only) | 6.8422% | 1,021 |
| Net charge-offs to loans | 0.1707% | 5,579 |
| Credit loss provision to net charge-offs | 100.2786% | 5,498 |
| Earnings coverage of net charge-offs (x) | 14.0279% | 1,390 |
| Efficiency ratio | 63.8835% | 5,795 |
| Assets per employee ($millions) | 2.7518% | 6,752 |
| Cash dividends to net income (ytd only)* | 56.9260% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,642 |
| Loan loss allowance to noncurrent loans | 38.0462% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 2.7480% | 2,541 |
| Noncurrent loans to loans | 2.4928% | 3,048 |
| Net loans and leases to total assets | 82.2573% | 647 |
| Net loans and leases to deposits | 108.4726% | 439 |
| Net loans and leases to core deposits | 134.9241% | 1,006 |
| Total domestic deposits to total assets | 75.8323% | 6,710 |
| Equity capital to assets | 8.1475% | 6,409 |
| Core capital (leverage) ratio | 8.1960% | 5,816 |
| Tier 1 risk-based capital ratio | 10.7552% | 6,152 |
| Total risk-based capital ratio | 11.8024% | 6,324 |
| Memoranda: | ||
| Average total assets | $251,193,400 | 2,595 |
| Average earning assets | $231,901,600 | 2,580 |
| Average equity | $19,906,000 | 3,217 |
| Average total loans | $210,286,800 | 2,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2442% | 1,256 |
| Cost of funding earning assets | 1.8244% | 4,258 |
| Net interest margin | 4.4199% | 1,392 |
| Noninterest income to average assets | 1.5950% | 580 |
| Noninterest expense to average assets | 3.6861% | 1,852 |
| Loan and lease loss provision to assets | 0.1436% | 5,918 |
| Net operating income to assets | 1.2681% | 1,294 |
| Return on assets (ROA) | 1.2493% | 1,410 |
| Pretax return on assets | 1.8529% | 727 |
| Return on Equity (ROE) | 15.8773% | 675 |
| Retained earnings to average equity (ytd only) | 11.1459% | 453 |
| Net charge-offs to loans | 0.1407% | 5,296 |
| Credit loss provision to net charge-offs | 121.6216% | 4,172 |
| Earnings coverage of net charge-offs (x) | 16.9371% | 1,435 |
| Efficiency ratio | 64.6338% | 5,631 |
| Assets per employee ($millions) | 3.1196% | 5,861 |
| Cash dividends to net income (ytd only)* | 29.7999% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,396 |
| Loan loss allowance to noncurrent loans | 61.5315% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 3,098 |
| Noncurrent loans to loans | 1.5932% | 4,245 |
| Net loans and leases to total assets | 81.5838% | 883 |
| Net loans and leases to deposits | 109.0798% | 494 |
| Net loans and leases to core deposits | 133.2553% | 1,253 |
| Total domestic deposits to total assets | 74.7927% | 6,810 |
| Equity capital to assets | 8.2898% | 6,517 |
| Core capital (leverage) ratio | 8.2306% | 5,964 |
| Tier 1 risk-based capital ratio | 11.1891% | 5,769 |
| Total risk-based capital ratio | 12.2952% | 5,864 |
| Memoranda: | ||
| Average total assets | $250,699,500 | 2,618 |
| Average earning assets | $232,037,750 | 2,597 |
| Average equity | $19,725,750 | 3,283 |
| Average total loans | $210,297,500 | 2,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2392% | 1,358 |
| Cost of funding earning assets | 1.8864% | 4,338 |
| Net interest margin | 4.3528% | 1,514 |
| Noninterest income to average assets | 1.8045% | 447 |
| Noninterest expense to average assets | 3.6483% | 1,949 |
| Loan and lease loss provision to assets | 0.1440% | 5,630 |
| Net operating income to assets | 1.4130% | 998 |
| Return on assets (ROA) | 1.3942% | 1,107 |
| Pretax return on assets | 2.0509% | 493 |
| Return on Equity (ROE) | 18.0447% | 493 |
| Retained earnings to average equity (ytd only) | 18.0447% | 105 |
| Net charge-offs to loans | 0.1763% | 4,477 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 14.7258% | 1,634 |
| Efficiency ratio | 62.2877% | 6,206 |
| Assets per employee ($millions) | 2.6920% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,613 |
| Loan loss allowance to noncurrent loans | 82.3798% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 3,275 |
| Noncurrent loans to loans | 1.1381% | 4,939 |
| Net loans and leases to total assets | 84.7704% | 530 |
| Net loans and leases to deposits | 115.1969% | 354 |
| Net loans and leases to core deposits | 140.2038% | 1,002 |
| Total domestic deposits to total assets | 73.5874% | 7,026 |
| Equity capital to assets | 8.3876% | 6,217 |
| Core capital (leverage) ratio | 8.3426% | 5,727 |
| Tier 1 risk-based capital ratio | 11.0607% | 5,819 |
| Total risk-based capital ratio | 12.1255% | 5,946 |
| Memoranda: | ||
| Average total assets | $250,037,670 | 2,635 |
| Average earning assets | $231,759,330 | 2,614 |
| Average equity | $19,318,670 | 3,351 |
| Average total loans | $210,999,670 | 2,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 1,687 |
| Cost of funding earning assets | 1.9415% | 4,422 |
| Net interest margin | 4.2299% | 1,804 |
| Noninterest income to average assets | 1.5938% | 542 |
| Noninterest expense to average assets | 3.5793% | 1,908 |
| Loan and lease loss provision to assets | 0.1433% | 5,111 |
| Net operating income to assets | 1.2588% | 1,482 |
| Return on assets (ROA) | 1.1782% | 1,827 |
| Pretax return on assets | 1.7259% | 1,127 |
| Return on Equity (ROE) | 15.9213% | 839 |
| Retained earnings to average equity (ytd only) | 15.9213% | 345 |
| Net charge-offs to loans | 0.2280% | 3,276 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 10.2333% | 1,968 |
| Efficiency ratio | 64.4707% | 5,598 |
| Assets per employee ($millions) | 2.5934% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,604 |
| Loan loss allowance to noncurrent loans | 59.3589% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.0526% | 2,820 |
| Noncurrent loans to loans | 1.5677% | 3,932 |
| Net loans and leases to total assets | 84.8232% | 575 |
| Net loans and leases to deposits | 114.3950% | 430 |
| Net loans and leases to core deposits | 138.4887% | 1,174 |
| Total domestic deposits to total assets | 74.1493% | 6,861 |
| Equity capital to assets | 7.9491% | 6,885 |
| Core capital (leverage) ratio | 7.7266% | 6,855 |
| Tier 1 risk-based capital ratio | 10.5986% | 6,293 |
| Total risk-based capital ratio | 11.6577% | 6,396 |
| Memoranda: | ||
| Average total assets | $251,225,500 | 2,629 |
| Average earning assets | $234,050,000 | 2,596 |
| Average equity | $18,591,500 | 3,473 |
| Average total loans | $210,534,000 | 2,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8076% | 1,651 |
| Cost of funding earning assets | 2.5620% | 3,894 |
| Net interest margin | 4.2456% | 2,129 |
| Noninterest income to average assets | 1.3144% | 846 |
| Noninterest expense to average assets | 3.3995% | 2,683 |
| Loan and lease loss provision to assets | 0.1384% | 5,589 |
| Net operating income to assets | 1.2025% | 1,759 |
| Return on assets (ROA) | 0.8138% | 3,212 |
| Pretax return on assets | 1.1607% | 2,804 |
| Return on Equity (ROE) | 11.3253% | 1,811 |
| Retained earnings to average equity (ytd only) | -0.9970% | 5,595 |
| Net charge-offs to loans | 0.0848% | 5,550 |
| Credit loss provision to net charge-offs | 193.2584% | 2,532 |
| Earnings coverage of net charge-offs (x) | 25.8876% | 1,313 |
| Efficiency ratio | 64.4887% | 5,457 |
| Assets per employee ($millions) | 2.7243% | 6,730 |
| Cash dividends to net income (ytd only)* | 108.8032% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 6,402 |
| Loan loss allowance to noncurrent loans | 80.4278% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 3,249 |
| Noncurrent loans to loans | 1.1793% | 4,159 |
| Net loans and leases to total assets | 81.2763% | 1,366 |
| Net loans and leases to deposits | 116.5468% | 503 |
| Net loans and leases to core deposits | 141.5820% | 1,182 |
| Total domestic deposits to total assets | 69.7370% | 7,305 |
| Equity capital to assets | 6.8724% | 7,794 |
| Core capital (leverage) ratio | 6.8599% | 7,791 |
| Tier 1 risk-based capital ratio | 9.5058% | 7,301 |
| Total risk-based capital ratio | 10.5968% | 7,397 |
| Memoranda: | ||
| Average total assets | $248,476,200 | 2,573 |
| Average earning assets | $230,565,800 | 2,549 |
| Average equity | $17,853,800 | 3,576 |
| Average total loans | $209,983,200 | 2,204 |