Home > Franklin National Bank of Minneapolis > Performance and Condition Ratios
Franklin National Bank of Minneapolis, Performance and Condition Ratios
| 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 | 4.1632% | 3,452 |
| Cost of funding earning assets | 0.1940% | 6,605 |
| Net interest margin | 3.9692% | 1,893 |
| Noninterest income to average assets | 0.2777% | 5,468 |
| Noninterest expense to average assets | 3.9456% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0600% | 6,227 |
| Return on assets (ROA) | 0.0600% | 6,315 |
| Pretax return on assets | 0.0600% | 6,324 |
| Return on Equity (ROE) | 0.5322% | 6,325 |
| Retained earnings to average equity (ytd only) | -17.6617% | 6,805 |
| Net charge-offs to loans | 0.0316% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,872 |
| Efficiency ratio | 98.0033% | 635 |
| Assets per employee ($millions) | 5.3153% | 1,847 |
| Cash dividends to net income (ytd only)* | 3,418.5185% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,394 |
| Loan loss allowance to noncurrent loans | 60.4307% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 3,009 |
| Noncurrent loans to loans | 1.9077% | 2,726 |
| Net loans and leases to total assets | 55.7145% | 4,133 |
| Net loans and leases to deposits | 64.0937% | 4,298 |
| Net loans and leases to core deposits | 70.3204% | 4,034 |
| Total domestic deposits to total assets | 86.9266% | 3,004 |
| Equity capital to assets | 9.5577% | 4,774 |
| Core capital (leverage) ratio | 7.0863% | 6,617 |
| Tier 1 risk-based capital ratio | 16.6527% | 2,924 |
| Total risk-based capital ratio | 17.7932% | 2,936 |
| Memoranda: | ||
| Average total assets | $180,048,000 | 3,346 |
| Average earning assets | $169,101,500 | 3,290 |
| Average equity | $20,292,500 | 3,217 |
| Average total loans | $113,956,000 | 3,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8594% | 335 |
| Cost of funding earning assets | 0.3029% | 6,438 |
| Net interest margin | 5.5564% | 156 |
| Noninterest income to average assets | 0.6182% | 3,179 |
| Noninterest expense to average assets | 4.5055% | 571 |
| Loan and lease loss provision to assets | 0.0289% | 5,530 |
| Net operating income to assets | 1.1464% | 1,783 |
| Return on assets (ROA) | 1.6268% | 796 |
| Pretax return on assets | 1.6302% | 1,305 |
| Return on Equity (ROE) | 11.7403% | 1,579 |
| Retained earnings to average equity (ytd only) | 0.9408% | 5,400 |
| Net charge-offs to loans | -0.1519% | 6,898 |
| Credit loss provision to net charge-offs | -26.2195% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8509% | 2,299 |
| Assets per employee ($millions) | 3.8200% | 4,326 |
| Cash dividends to net income (ytd only)* | 91.9868% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,018 |
| Loan loss allowance to noncurrent loans | 215.9236% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 2,779 |
| Noncurrent loans to loans | 0.5654% | 5,120 |
| Net loans and leases to total assets | 71.8033% | 1,519 |
| Net loans and leases to deposits | 88.3302% | 1,226 |
| Net loans and leases to core deposits | 102.6333% | 850 |
| Total domestic deposits to total assets | 81.2897% | 5,310 |
| Equity capital to assets | 13.5944% | 1,194 |
| Core capital (leverage) ratio | 13.6215% | 908 |
| Tier 1 risk-based capital ratio | 17.9168% | 2,286 |
| Total risk-based capital ratio | 19.0988% | 2,288 |
| Memoranda: | ||
| Average total assets | $148,817,800 | 3,799 |
| Average earning assets | $135,680,200 | 3,800 |
| Average equity | $20,621,200 | 3,133 |
| Average total loans | $107,961,800 | 3,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 611 |
| Cost of funding earning assets | 0.3141% | 6,538 |
| Net interest margin | 5.2382% | 274 |
| Noninterest income to average assets | 0.3022% | 5,364 |
| Noninterest expense to average assets | 4.3880% | 610 |
| Loan and lease loss provision to assets | 0.0388% | 5,289 |
| Net operating income to assets | 0.6386% | 4,200 |
| Return on assets (ROA) | 1.2636% | 1,694 |
| Pretax return on assets | 1.2682% | 2,718 |
| Return on Equity (ROE) | 9.0750% | 2,763 |
| Retained earnings to average equity (ytd only) | -0.6219% | 6,205 |
| Net charge-offs to loans | -0.1157% | 6,882 |
| Credit loss provision to net charge-offs | -46.2366% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0879% | 1,368 |
| Assets per employee ($millions) | 4.0065% | 3,859 |
| Cash dividends to net income (ytd only)* | 106.8524% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,617 |
| Loan loss allowance to noncurrent loans | 217.0608% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.9161% | 2,761 |
| Noncurrent loans to loans | 0.5181% | 5,406 |
| Net loans and leases to total assets | 72.3098% | 1,499 |
| Net loans and leases to deposits | 88.0043% | 1,351 |
| Net loans and leases to core deposits | 101.9159% | 988 |
| Total domestic deposits to total assets | 82.1662% | 4,960 |
| Equity capital to assets | 13.1133% | 1,536 |
| Core capital (leverage) ratio | 13.1016% | 1,149 |
| Tier 1 risk-based capital ratio | 17.2156% | 2,643 |
| Total risk-based capital ratio | 18.3078% | 2,660 |
| Memoranda: | ||
| Average total assets | $147,822,750 | 3,851 |
| Average earning assets | $134,546,750 | 3,862 |
| Average equity | $20,583,500 | 3,160 |
| Average total loans | $107,184,750 | 3,389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7706% | 423 |
| Cost of funding earning assets | 0.3324% | 6,593 |
| Net interest margin | 5.4382% | 195 |
| Noninterest income to average assets | 0.2386% | 5,860 |
| Noninterest expense to average assets | 4.5458% | 531 |
| Loan and lease loss provision to assets | 0.0593% | 4,910 |
| Net operating income to assets | 0.5522% | 4,573 |
| Return on assets (ROA) | 1.1475% | 2,101 |
| Pretax return on assets | 1.1544% | 3,098 |
| Return on Equity (ROE) | 8.0719% | 3,227 |
| Retained earnings to average equity (ytd only) | -6.4517% | 6,692 |
| Net charge-offs to loans | 0.0210% | 5,113 |
| Credit loss provision to net charge-offs | 390.9091% | 756 |
| Earnings coverage of net charge-offs (x) | 40.3636% | 867 |
| Efficiency ratio | 87.6738% | 1,263 |
| Assets per employee ($millions) | 3.7858% | 4,350 |
| Cash dividends to net income (ytd only)* | 179.9279% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,696 |
| Loan loss allowance to noncurrent loans | 270.2517% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 2,564 |
| Noncurrent loans to loans | 0.4147% | 5,705 |
| Net loans and leases to total assets | 72.4194% | 1,483 |
| Net loans and leases to deposits | 88.4047% | 1,333 |
| Net loans and leases to core deposits | 98.4391% | 1,229 |
| Total domestic deposits to total assets | 81.9181% | 5,162 |
| Equity capital to assets | 14.0635% | 1,072 |
| Core capital (leverage) ratio | 13.0397% | 1,139 |
| Tier 1 risk-based capital ratio | 17.7772% | 2,371 |
| Total risk-based capital ratio | 18.8444% | 2,411 |
| Memoranda: | ||
| Average total assets | $145,012,330 | 3,920 |
| Average earning assets | $131,182,670 | 3,936 |
| Average equity | $20,614,670 | 3,150 |
| Average total loans | $104,822,330 | 3,461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8781% | 368 |
| Cost of funding earning assets | 0.3375% | 6,692 |
| Net interest margin | 5.5406% | 169 |
| Noninterest income to average assets | 0.7281% | 2,508 |
| Noninterest expense to average assets | 4.5938% | 507 |
| Loan and lease loss provision to assets | 0.0659% | 4,592 |
| Net operating income to assets | 1.0630% | 2,236 |
| Return on assets (ROA) | 1.3078% | 1,607 |
| Pretax return on assets | 1.3215% | 2,459 |
| Return on Equity (ROE) | 9.1512% | 2,763 |
| Retained earnings to average equity (ytd only) | -11.8620% | 6,897 |
| Net charge-offs to loans | 0.1339% | 3,303 |
| Credit loss provision to net charge-offs | 68.5714% | 2,945 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,641 |
| Efficiency ratio | 79.6838% | 2,238 |
| Assets per employee ($millions) | 3.7302% | 4,584 |
| Cash dividends to net income (ytd only)* | 229.6218% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,930 |
| Loan loss allowance to noncurrent loans | 255.1570% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 2.8953% | 2,003 |
| Noncurrent loans to loans | 0.4275% | 5,813 |
| Net loans and leases to total assets | 70.9358% | 1,588 |
| Net loans and leases to deposits | 86.5847% | 1,345 |
| Net loans and leases to core deposits | 97.8866% | 1,133 |
| Total domestic deposits to total assets | 81.9265% | 5,324 |
| Equity capital to assets | 14.0722% | 1,003 |
| Core capital (leverage) ratio | 6.7738% | 6,913 |
| Tier 1 risk-based capital ratio | 18.0702% | 2,259 |
| Total risk-based capital ratio | 19.1135% | 2,313 |
| Memoranda: | ||
| Average total assets | $145,587,500 | 3,944 |
| Average earning assets | $131,538,500 | 3,952 |
| Average equity | $20,806,000 | 3,129 |
| Average total loans | $104,551,000 | 3,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9527% | 468 |
| Cost of funding earning assets | 0.4032% | 6,878 |
| Net interest margin | 5.5495% | 162 |
| Noninterest income to average assets | 0.6594% | 2,835 |
| Noninterest expense to average assets | 4.8563% | 431 |
| Loan and lease loss provision to assets | -0.0492% | 7,244 |
| Net operating income to assets | 0.8141% | 2,981 |
| Return on assets (ROA) | 1.0997% | 1,950 |
| Pretax return on assets | 1.1033% | 2,822 |
| Return on Equity (ROE) | 7.5087% | 3,145 |
| Retained earnings to average equity (ytd only) | 5.9191% | 2,063 |
| Net charge-offs to loans | 0.1191% | 5,191 |
| Credit loss provision to net charge-offs | -55.2846% | 6,673 |
| Earnings coverage of net charge-offs (x) | 8.6423% | 2,115 |
| Efficiency ratio | 85.8869% | 1,578 |
| Assets per employee ($millions) | 3.8341% | 4,241 |
| Cash dividends to net income (ytd only)* | 21.1703% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,825 |
| Loan loss allowance to noncurrent loans | 115.8266% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.6438% | 2,301 |
| Noncurrent loans to loans | 0.9469% | 4,807 |
| Net loans and leases to total assets | 71.1195% | 1,803 |
| Net loans and leases to deposits | 87.2148% | 1,486 |
| Net loans and leases to core deposits | 100.7938% | 1,108 |
| Total domestic deposits to total assets | 81.5453% | 5,280 |
| Equity capital to assets | 14.5096% | 897 |
| Core capital (leverage) ratio | 13.8302% | 866 |
| Tier 1 risk-based capital ratio | 18.4591% | 2,058 |
| Total risk-based capital ratio | 19.5029% | 2,086 |
| Memoranda: | ||
| Average total assets | $138,315,200 | 4,006 |
| Average earning assets | $123,760,000 | 4,058 |
| Average equity | $20,256,600 | 3,097 |
| Average total loans | $103,242,000 | 3,539 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 508 |
| Cost of funding earning assets | 0.4177% | 6,967 |
| Net interest margin | 5.5352% | 163 |
| Noninterest income to average assets | 0.4133% | 4,560 |
| Noninterest expense to average assets | 4.9377% | 392 |
| Loan and lease loss provision to assets | -0.1251% | 7,365 |
| Net operating income to assets | 0.5413% | 4,359 |
| Return on assets (ROA) | 0.5413% | 4,541 |
| Pretax return on assets | 0.5461% | 4,989 |
| Return on Equity (ROE) | 3.6867% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.5439% | 5,365 |
| Net charge-offs to loans | 0.0104% | 6,009 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | 53.8566% | 605 |
| Efficiency ratio | 91.6682% | 1,054 |
| Assets per employee ($millions) | 3.9135% | 4,042 |
| Cash dividends to net income (ytd only)* | 58.1223% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,590 |
| Loan loss allowance to noncurrent loans | 39.8940% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.2061% | 1,455 |
| Noncurrent loans to loans | 2.9330% | 2,377 |
| Net loans and leases to total assets | 68.3821% | 2,404 |
| Net loans and leases to deposits | 83.2001% | 2,145 |
| Net loans and leases to core deposits | 96.5993% | 1,543 |
| Total domestic deposits to total assets | 82.1899% | 5,015 |
| Equity capital to assets | 13.7224% | 1,275 |
| Core capital (leverage) ratio | 13.3618% | 1,092 |
| Tier 1 risk-based capital ratio | 18.0800% | 2,223 |
| Total risk-based capital ratio | 19.2051% | 2,236 |
| Memoranda: | ||
| Average total assets | $136,469,750 | 4,072 |
| Average earning assets | $121,931,250 | 4,112 |
| Average equity | $20,035,750 | 3,137 |
| Average total loans | $102,860,500 | 3,574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0725% | 411 |
| Cost of funding earning assets | 0.4361% | 7,050 |
| Net interest margin | 5.6364% | 142 |
| Noninterest income to average assets | 0.2689% | 5,719 |
| Noninterest expense to average assets | 5.1530% | 328 |
| Loan and lease loss provision to assets | -0.1556% | 7,440 |
| Net operating income to assets | 0.2825% | 5,438 |
| Return on assets (ROA) | 0.2825% | 5,570 |
| Pretax return on assets | 0.2901% | 5,696 |
| Return on Equity (ROE) | 1.8783% | 5,830 |
| Retained earnings to average equity (ytd only) | 0.6529% | 5,594 |
| Net charge-offs to loans | 0.0564% | 5,085 |
| Credit loss provision to net charge-offs | -355.1724% | 6,459 |
| Earnings coverage of net charge-offs (x) | 3.0690% | 3,320 |
| Efficiency ratio | 96.9714% | 837 |
| Assets per employee ($millions) | 3.6900% | 4,475 |
| Cash dividends to net income (ytd only)* | 65.2406% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,756 |
| Loan loss allowance to noncurrent loans | 45.4135% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 4.4767% | 1,406 |
| Noncurrent loans to loans | 2.5367% | 2,850 |
| Net loans and leases to total assets | 75.9187% | 1,080 |
| Net loans and leases to deposits | 93.8027% | 884 |
| Net loans and leases to core deposits | 108.7731% | 766 |
| Total domestic deposits to total assets | 80.9345% | 5,546 |
| Equity capital to assets | 14.7566% | 877 |
| Core capital (leverage) ratio | 14.1488% | 835 |
| Tier 1 risk-based capital ratio | 17.5955% | 2,306 |
| Total risk-based capital ratio | 18.7032% | 2,326 |
| Memoranda: | ||
| Average total assets | $132,388,670 | 4,174 |
| Average earning assets | $117,876,330 | 4,236 |
| Average equity | $19,912,000 | 3,140 |
| Average total loans | $102,848,330 | 3,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1385% | 375 |
| Cost of funding earning assets | 0.4318% | 7,154 |
| Net interest margin | 5.7067% | 121 |
| Noninterest income to average assets | 0.0184% | 7,252 |
| Noninterest expense to average assets | 5.1474% | 319 |
| Loan and lease loss provision to assets | 0.3284% | 2,581 |
| Net operating income to assets | -0.4021% | 6,741 |
| Return on assets (ROA) | -0.4021% | 6,750 |
| Pretax return on assets | -0.3867% | 6,676 |
| Return on Equity (ROE) | -2.6472% | 6,638 |
| Retained earnings to average equity (ytd only) | -5.1125% | 6,526 |
| Net charge-offs to loans | 0.2121% | 3,245 |
| Credit loss provision to net charge-offs | 198.1481% | 1,501 |
| Earnings coverage of net charge-offs (x) | -0.3519% | 4,748 |
| Efficiency ratio | 100.6031% | 715 |
| Assets per employee ($millions) | 3.6191% | 4,719 |
| Cash dividends to net income (ytd only)* | -93.1298% | 7,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,658 |
| Loan loss allowance to noncurrent loans | 64.7606% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 4.7011% | 1,360 |
| Noncurrent loans to loans | 2.1640% | 3,368 |
| Net loans and leases to total assets | 75.2205% | 1,144 |
| Net loans and leases to deposits | 93.5751% | 866 |
| Net loans and leases to core deposits | 113.4726% | 616 |
| Total domestic deposits to total assets | 80.3851% | 5,844 |
| Equity capital to assets | 15.0964% | 745 |
| Core capital (leverage) ratio | 7.9408% | 6,316 |
| Tier 1 risk-based capital ratio | 18.1753% | 2,063 |
| Total risk-based capital ratio | 19.4269% | 2,024 |
| Memoranda: | ||
| Average total assets | $130,318,500 | 4,252 |
| Average earning assets | $115,793,000 | 4,302 |
| Average equity | $19,794,500 | 3,146 |
| Average total loans | $101,843,000 | 3,675 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2257% | 539 |
| Cost of funding earning assets | 0.5914% | 7,145 |
| Net interest margin | 5.6343% | 141 |
| Noninterest income to average assets | 0.9436% | 1,687 |
| Noninterest expense to average assets | 4.7940% | 501 |
| Loan and lease loss provision to assets | 0.7949% | 2,052 |
| Net operating income to assets | 0.3735% | 4,665 |
| Return on assets (ROA) | 0.3735% | 4,809 |
| Pretax return on assets | 0.3795% | 5,004 |
| Return on Equity (ROE) | 2.5137% | 5,175 |
| Retained earnings to average equity (ytd only) | 0.9049% | 5,095 |
| Net charge-offs to loans | 0.8677% | 2,461 |
| Credit loss provision to net charge-offs | 120.2260% | 3,511 |
| Earnings coverage of net charge-offs (x) | 1.7763% | 4,384 |
| Efficiency ratio | 79.8848% | 2,432 |
| Assets per employee ($millions) | 3.5229% | 4,885 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 5,079 |
| Loan loss allowance to noncurrent loans | 56.1374% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 4.8524% | 1,340 |
| Noncurrent loans to loans | 2.2888% | 3,232 |
| Net loans and leases to total assets | 78.9801% | 801 |
| Net loans and leases to deposits | 98.7606% | 659 |
| Net loans and leases to core deposits | 115.4952% | 661 |
| Total domestic deposits to total assets | 79.9713% | 5,840 |
| Equity capital to assets | 15.2822% | 725 |
| Core capital (leverage) ratio | 14.2238% | 804 |
| Tier 1 risk-based capital ratio | 17.1746% | 2,285 |
| Total risk-based capital ratio | 18.3797% | 2,268 |
| Memoranda: | ||
| Average total assets | $133,855,000 | 4,184 |
| Average earning assets | $119,376,200 | 4,247 |
| Average equity | $19,891,000 | 3,159 |
| Average total loans | $101,995,400 | 3,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1180% | 734 |
| Cost of funding earning assets | 0.6105% | 7,264 |
| Net interest margin | 5.5075% | 174 |
| Noninterest income to average assets | 1.1737% | 1,009 |
| Noninterest expense to average assets | 4.5947% | 538 |
| Loan and lease loss provision to assets | 1.0430% | 1,419 |
| Net operating income to assets | 0.4384% | 4,595 |
| Return on assets (ROA) | 0.4384% | 4,771 |
| Pretax return on assets | 0.4463% | 5,091 |
| Return on Equity (ROE) | 2.9705% | 5,235 |
| Retained earnings to average equity (ytd only) | 0.8248% | 5,480 |
| Net charge-offs to loans | 0.7822% | 2,479 |
| Credit loss provision to net charge-offs | 177.1429% | 2,077 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,902 |
| Efficiency ratio | 75.0976% | 3,128 |
| Assets per employee ($millions) | 4.0869% | 3,671 |
| Cash dividends to net income (ytd only)* | 72.2357% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,459 |
| Loan loss allowance to noncurrent loans | 54.3077% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 4.8405% | 1,352 |
| Noncurrent loans to loans | 2.9745% | 2,683 |
| Net loans and leases to total assets | 68.9758% | 2,994 |
| Net loans and leases to deposits | 84.4424% | 2,633 |
| Net loans and leases to core deposits | 95.4974% | 2,322 |
| Total domestic deposits to total assets | 81.6838% | 5,132 |
| Equity capital to assets | 14.0566% | 1,150 |
| Core capital (leverage) ratio | 14.1965% | 884 |
| Tier 1 risk-based capital ratio | 17.4897% | 2,181 |
| Total risk-based capital ratio | 18.7423% | 2,146 |
| Memoranda: | ||
| Average total assets | $134,731,750 | 4,213 |
| Average earning assets | $120,123,750 | 4,284 |
| Average equity | $19,883,750 | 3,199 |
| Average total loans | $101,422,000 | 3,821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2089% | 612 |
| Cost of funding earning assets | 0.6350% | 7,328 |
| Net interest margin | 5.5739% | 151 |
| Noninterest income to average assets | 0.7820% | 2,222 |
| Noninterest expense to average assets | 4.7544% | 456 |
| Loan and lease loss provision to assets | 0.5396% | 2,623 |
| Net operating income to assets | 0.4516% | 4,548 |
| Return on assets (ROA) | 0.4516% | 4,704 |
| Pretax return on assets | 0.4638% | 5,020 |
| Return on Equity (ROE) | 3.0087% | 5,227 |
| Retained earnings to average equity (ytd only) | 0.4341% | 5,594 |
| Net charge-offs to loans | 0.5324% | 2,936 |
| Credit loss provision to net charge-offs | 131.3653% | 3,066 |
| Earnings coverage of net charge-offs (x) | 2.4428% | 3,774 |
| Efficiency ratio | 82.1269% | 2,148 |
| Assets per employee ($millions) | 3.7176% | 4,414 |
| Cash dividends to net income (ytd only)* | 85.5705% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,381 |
| Loan loss allowance to noncurrent loans | 38.6117% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 5.0840% | 1,255 |
| Noncurrent loans to loans | 3.1434% | 2,550 |
| Net loans and leases to total assets | 75.7771% | 1,529 |
| Net loans and leases to deposits | 94.0691% | 1,265 |
| Net loans and leases to core deposits | 108.6233% | 1,252 |
| Total domestic deposits to total assets | 80.5547% | 5,544 |
| Equity capital to assets | 14.8978% | 906 |
| Core capital (leverage) ratio | 14.2371% | 866 |
| Tier 1 risk-based capital ratio | 17.0086% | 2,277 |
| Total risk-based capital ratio | 18.1268% | 2,282 |
| Memoranda: | ||
| Average total assets | $131,961,330 | 4,297 |
| Average earning assets | $117,798,670 | 4,372 |
| Average equity | $19,809,330 | 3,199 |
| Average total loans | $101,801,000 | 3,837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 593 |
| Cost of funding earning assets | 0.6528% | 7,428 |
| Net interest margin | 5.5843% | 159 |
| Noninterest income to average assets | 0.7510% | 2,296 |
| Noninterest expense to average assets | 4.5823% | 524 |
| Loan and lease loss provision to assets | 0.3022% | 3,621 |
| Net operating income to assets | 0.8548% | 2,735 |
| Return on assets (ROA) | 0.8548% | 2,824 |
| Pretax return on assets | 0.8548% | 3,645 |
| Return on Equity (ROE) | 5.6723% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.1676% | 4,832 |
| Net charge-offs to loans | 0.7182% | 2,066 |
| Credit loss provision to net charge-offs | 54.3956% | 4,413 |
| Earnings coverage of net charge-offs (x) | 2.0824% | 3,499 |
| Efficiency ratio | 79.8404% | 2,592 |
| Assets per employee ($millions) | 3.9001% | 4,094 |
| Cash dividends to net income (ytd only)* | 61.7857% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 6,207 |
| Loan loss allowance to noncurrent loans | 25.9571% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 5.2639% | 1,197 |
| Noncurrent loans to loans | 4.0620% | 1,919 |
| Net loans and leases to total assets | 76.2900% | 1,483 |
| Net loans and leases to deposits | 94.9014% | 1,245 |
| Net loans and leases to core deposits | 108.9920% | 1,354 |
| Total domestic deposits to total assets | 80.3887% | 5,660 |
| Equity capital to assets | 14.9394% | 898 |
| Core capital (leverage) ratio | 14.5689% | 839 |
| Tier 1 risk-based capital ratio | 17.1902% | 2,202 |
| Total risk-based capital ratio | 18.1661% | 2,247 |
| Memoranda: | ||
| Average total assets | $131,026,000 | 4,381 |
| Average earning assets | $117,042,500 | 4,446 |
| Average equity | $19,745,000 | 3,232 |
| Average total loans | $101,371,500 | 3,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 2,945 |
| Cost of funding earning assets | 0.7088% | 7,676 |
| Net interest margin | 5.0233% | 426 |
| Noninterest income to average assets | 0.9820% | 1,632 |
| Noninterest expense to average assets | 4.3324% | 953 |
| Loan and lease loss provision to assets | 0.4329% | 4,227 |
| Net operating income to assets | 0.7134% | 2,879 |
| Return on assets (ROA) | 0.7134% | 2,945 |
| Pretax return on assets | 0.7149% | 3,523 |
| Return on Equity (ROE) | 5.1282% | 3,614 |
| Retained earnings to average equity (ytd only) | -9.1239% | 6,442 |
| Net charge-offs to loans | 0.3751% | 4,334 |
| Credit loss provision to net charge-offs | 155.1075% | 2,937 |
| Earnings coverage of net charge-offs (x) | 4.1129% | 3,057 |
| Efficiency ratio | 79.0554% | 3,032 |
| Assets per employee ($millions) | 4.0453% | 3,722 |
| Cash dividends to net income (ytd only)* | 277.9180% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,612 |
| Loan loss allowance to noncurrent loans | 18.3528% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 6.6806% | 794 |
| Noncurrent loans to loans | 6.2943% | 967 |
| Net loans and leases to total assets | 76.7416% | 1,643 |
| Net loans and leases to deposits | 96.0132% | 1,326 |
| Net loans and leases to core deposits | 121.7382% | 1,805 |
| Total domestic deposits to total assets | 79.9282% | 5,688 |
| Equity capital to assets | 15.2028% | 867 |
| Core capital (leverage) ratio | 14.6362% | 854 |
| Tier 1 risk-based capital ratio | 17.3848% | 2,058 |
| Total risk-based capital ratio | 18.4541% | 2,055 |
| Memoranda: | ||
| Average total assets | $133,297,000 | 4,271 |
| Average earning assets | $119,363,400 | 4,328 |
| Average equity | $18,544,600 | 3,415 |
| Average total loans | $99,164,600 | 3,974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5792% | 3,981 |
| Cost of funding earning assets | 0.7151% | 7,795 |
| Net interest margin | 4.8641% | 602 |
| Noninterest income to average assets | 1.1262% | 1,241 |
| Noninterest expense to average assets | 4.3884% | 827 |
| Loan and lease loss provision to assets | 0.3744% | 4,080 |
| Net operating income to assets | 0.7250% | 3,121 |
| Return on assets (ROA) | 0.7250% | 3,185 |
| Pretax return on assets | 0.7269% | 3,767 |
| Return on Equity (ROE) | 5.3301% | 3,822 |
| Retained earnings to average equity (ytd only) | -10.3973% | 6,840 |
| Net charge-offs to loans | 0.5019% | 3,219 |
| Credit loss provision to net charge-offs | 101.3441% | 5,019 |
| Earnings coverage of net charge-offs (x) | 2.9812% | 3,745 |
| Efficiency ratio | 79.9385% | 2,853 |
| Assets per employee ($millions) | 4.1079% | 3,551 |
| Cash dividends to net income (ytd only)* | 295.0684% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 6,439 |
| Loan loss allowance to noncurrent loans | 21.1070% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 4.1133% | 1,534 |
| Noncurrent loans to loans | 4.5984% | 1,504 |
| Net loans and leases to total assets | 74.5902% | 2,345 |
| Net loans and leases to deposits | 93.2993% | 1,998 |
| Net loans and leases to core deposits | 114.0658% | 2,820 |
| Total domestic deposits to total assets | 79.9472% | 5,449 |
| Equity capital to assets | 15.1849% | 954 |
| Core capital (leverage) ratio | 15.0215% | 853 |
| Tier 1 risk-based capital ratio | 17.9574% | 2,004 |
| Total risk-based capital ratio | 18.8598% | 2,051 |
| Memoranda: | ||
| Average total assets | $134,258,750 | 4,277 |
| Average earning assets | $120,445,250 | 4,337 |
| Average equity | $18,260,750 | 3,489 |
| Average total loans | $98,830,000 | 4,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8880% | 2,641 |
| Cost of funding earning assets | 0.7319% | 7,895 |
| Net interest margin | 5.1561% | 323 |
| Noninterest income to average assets | 0.3261% | 5,901 |
| Noninterest expense to average assets | 4.7556% | 613 |
| Loan and lease loss provision to assets | 0.1122% | 6,021 |
| Net operating income to assets | 0.1104% | 5,534 |
| Return on assets (ROA) | 0.1104% | 5,634 |
| Pretax return on assets | 0.1139% | 5,646 |
| Return on Equity (ROE) | 0.8408% | 5,677 |
| Retained earnings to average equity (ytd only) | -26.6833% | 7,626 |
| Net charge-offs to loans | -0.2993% | 8,065 |
| Credit loss provision to net charge-offs | -51.1811% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4624% | 1,411 |
| Assets per employee ($millions) | 3.7587% | 4,195 |
| Cash dividends to net income (ytd only)* | 3,273.4375% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,844 |
| Loan loss allowance to noncurrent loans | 70.5113% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 3,042 |
| Noncurrent loans to loans | 1.9552% | 3,582 |
| Net loans and leases to total assets | 72.8113% | 3,003 |
| Net loans and leases to deposits | 90.9207% | 2,673 |
| Net loans and leases to core deposits | 116.5179% | 2,665 |
| Total domestic deposits to total assets | 80.0822% | 5,442 |
| Equity capital to assets | 14.7006% | 1,107 |
| Core capital (leverage) ratio | 14.5817% | 1,001 |
| Tier 1 risk-based capital ratio | 18.0023% | 2,023 |
| Total risk-based capital ratio | 19.2522% | 1,956 |
| Memoranda: | ||
| Average total assets | $115,904,670 | 4,733 |
| Average earning assets | $104,653,000 | 4,767 |
| Average equity | $15,223,000 | 4,074 |
| Average total loans | $84,859,670 | 4,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5311% | 4,747 |
| Cost of funding earning assets | 0.7375% | 7,973 |
| Net interest margin | 4.7936% | 621 |
| Noninterest income to average assets | -0.0277% | 8,103 |
| Noninterest expense to average assets | 4.6818% | 602 |
| Loan and lease loss provision to assets | -0.4671% | 8,229 |
| Net operating income to assets | 0.0761% | 6,051 |
| Return on assets (ROA) | 0.0761% | 6,219 |
| Pretax return on assets | 0.0761% | 6,219 |
| Return on Equity (ROE) | 0.6167% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.6167% | 5,409 |
| Net charge-offs to loans | -0.6550% | 8,132 |
| Credit loss provision to net charge-offs | 97.8261% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1129% | 833 |
| Assets per employee ($millions) | 3.5574% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 4,901 |
| Loan loss allowance to noncurrent loans | 28.3722% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 4.3456% | 1,125 |
| Noncurrent loans to loans | 4.1762% | 1,423 |
| Net loans and leases to total assets | 73.0389% | 2,998 |
| Net loans and leases to deposits | 88.6144% | 3,175 |
| Net loans and leases to core deposits | 111.0523% | 3,302 |
| Total domestic deposits to total assets | 82.4233% | 4,398 |
| Equity capital to assets | 12.6100% | 1,924 |
| Core capital (leverage) ratio | 12.0519% | 1,875 |
| Tier 1 risk-based capital ratio | 15.1737% | 2,985 |
| Total risk-based capital ratio | 16.2672% | 2,998 |
| Memoranda: | ||
| Average total assets | $115,597,500 | 4,760 |
| Average earning assets | $104,139,000 | 4,800 |
| Average equity | $14,270,000 | 4,279 |
| Average total loans | $84,277,000 | 4,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5907% | 2,533 |
| Cost of funding earning assets | 1.2211% | 7,921 |
| Net interest margin | 5.3697% | 251 |
| Noninterest income to average assets | 0.2263% | 6,819 |
| Noninterest expense to average assets | 4.8386% | 692 |
| Loan and lease loss provision to assets | 0.0017% | 7,324 |
| Net operating income to assets | 0.1469% | 5,988 |
| Return on assets (ROA) | 0.1469% | 5,813 |
| Pretax return on assets | 0.0811% | 5,985 |
| Return on Equity (ROE) | 1.2216% | 5,852 |
| Retained earnings to average equity (ytd only) | -1.4702% | 5,729 |
| Net charge-offs to loans | 0.5019% | 2,354 |
| Credit loss provision to net charge-offs | 0.4843% | 6,650 |
| Earnings coverage of net charge-offs (x) | 0.2349% | 6,092 |
| Efficiency ratio | 98.3166% | 1,050 |
| Assets per employee ($millions) | 3.4517% | 4,793 |
| Cash dividends to net income (ytd only)* | 220.3488% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 4,722 |
| Loan loss allowance to noncurrent loans | 110.1996% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9283% | 2,547 |
| Noncurrent loans to loans | 1.0686% | 4,431 |
| Net loans and leases to total assets | 71.0797% | 3,770 |
| Net loans and leases to deposits | 91.9915% | 3,134 |
| Net loans and leases to core deposits | 98.6133% | 4,975 |
| Total domestic deposits to total assets | 77.2677% | 5,926 |
| Equity capital to assets | 12.0871% | 2,237 |
| Core capital (leverage) ratio | 11.9763% | 1,976 |
| Tier 1 risk-based capital ratio | 14.9756% | 3,061 |
| Total risk-based capital ratio | 16.0500% | 3,064 |
| Memoranda: | ||
| Average total assets | $117,080,000 | 4,588 |
| Average earning assets | $102,370,800 | 4,731 |
| Average equity | $14,079,600 | 4,324 |
| Average total loans | $82,291,800 | 4,444 |