Home > Mainline National Bank > Performance and Condition Ratios
Mainline National Bank, Performance and Condition Ratios
| 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 | 4.4488% | 5,250 |
| Cost of funding earning assets | 1.2473% | 1,751 |
| Net interest margin | 3.2015% | 6,092 |
| Noninterest income to average assets | 0.5743% | 3,339 |
| Noninterest expense to average assets | 3.0246% | 3,501 |
| Loan and lease loss provision to assets | 0.1903% | 4,279 |
| Net operating income to assets | 0.3761% | 4,966 |
| Return on assets (ROA) | 0.1675% | 5,824 |
| Pretax return on assets | 0.1290% | 5,925 |
| Return on Equity (ROE) | 1.9921% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.9921% | 4,795 |
| Net charge-offs to loans | 0.3014% | 3,893 |
| Credit loss provision to net charge-offs | 109.0261% | 3,081 |
| Earnings coverage of net charge-offs (x) | 3.0238% | 3,698 |
| Efficiency ratio | 84.7204% | 1,692 |
| Assets per employee ($millions) | 3.2688% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 4,003 |
| Loan loss allowance to noncurrent loans | 96.8223% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 4,670 |
| Noncurrent loans to loans | 1.5531% | 3,830 |
| Net loans and leases to total assets | 55.9668% | 4,717 |
| Net loans and leases to deposits | 63.7130% | 5,045 |
| Net loans and leases to core deposits | 66.8197% | 5,172 |
| Total domestic deposits to total assets | 87.8420% | 2,254 |
| Equity capital to assets | 8.9942% | 5,556 |
| Core capital (leverage) ratio | 9.1567% | 4,538 |
| Tier 1 risk-based capital ratio | 12.5210% | 5,427 |
| Total risk-based capital ratio | 13.5720% | 5,575 |
| Memoranda: | ||
| Average total assets | $241,154,800 | 2,622 |
| Average earning assets | $224,330,200 | 2,561 |
| Average equity | $20,280,600 | 3,094 |
| Average total loans | $139,675,400 | 2,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 5,337 |
| Cost of funding earning assets | 1.2585% | 1,947 |
| Net interest margin | 3.2136% | 6,128 |
| Noninterest income to average assets | 0.5732% | 3,354 |
| Noninterest expense to average assets | 2.9809% | 3,623 |
| Loan and lease loss provision to assets | 0.2154% | 3,863 |
| Net operating income to assets | 0.4028% | 4,987 |
| Return on assets (ROA) | 0.1302% | 6,007 |
| Pretax return on assets | 0.0962% | 6,105 |
| Return on Equity (ROE) | 1.5753% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.5753% | 5,351 |
| Net charge-offs to loans | 0.3278% | 3,459 |
| Credit loss provision to net charge-offs | 112.9683% | 2,891 |
| Earnings coverage of net charge-offs (x) | 3.0634% | 3,606 |
| Efficiency ratio | 83.1972% | 1,830 |
| Assets per employee ($millions) | 3.2086% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 4,360 |
| Loan loss allowance to noncurrent loans | 105.3786% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 4,940 |
| Noncurrent loans to loans | 1.3686% | 4,244 |
| Net loans and leases to total assets | 58.0801% | 4,502 |
| Net loans and leases to deposits | 66.2258% | 4,867 |
| Net loans and leases to core deposits | 69.4266% | 5,015 |
| Total domestic deposits to total assets | 87.7002% | 2,236 |
| Equity capital to assets | 8.9195% | 5,842 |
| Core capital (leverage) ratio | 9.2109% | 4,612 |
| Tier 1 risk-based capital ratio | 12.3299% | 5,639 |
| Total risk-based capital ratio | 13.3784% | 5,788 |
| Memoranda: | ||
| Average total assets | $242,605,500 | 2,615 |
| Average earning assets | $225,864,500 | 2,557 |
| Average equity | $20,058,750 | 3,135 |
| Average total loans | $141,161,750 | 2,789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 5,464 |
| Cost of funding earning assets | 1.2660% | 2,145 |
| Net interest margin | 3.1996% | 6,160 |
| Noninterest income to average assets | 0.5730% | 3,310 |
| Noninterest expense to average assets | 2.9984% | 3,648 |
| Loan and lease loss provision to assets | 0.2570% | 3,343 |
| Net operating income to assets | 0.3602% | 5,127 |
| Return on assets (ROA) | 0.0802% | 6,137 |
| Pretax return on assets | 0.0147% | 6,249 |
| Return on Equity (ROE) | 0.9956% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.9956% | 5,469 |
| Net charge-offs to loans | 0.4690% | 2,705 |
| Credit loss provision to net charge-offs | 94.5783% | 3,319 |
| Earnings coverage of net charge-offs (x) | 2.0301% | 3,844 |
| Efficiency ratio | 84.0443% | 1,807 |
| Assets per employee ($millions) | 3.0932% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,645 |
| Loan loss allowance to noncurrent loans | 114.5284% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 5,301 |
| Noncurrent loans to loans | 1.2092% | 4,639 |
| Net loans and leases to total assets | 57.6991% | 4,687 |
| Net loans and leases to deposits | 65.9711% | 5,003 |
| Net loans and leases to core deposits | 69.0963% | 5,173 |
| Total domestic deposits to total assets | 87.4612% | 2,487 |
| Equity capital to assets | 8.4247% | 6,272 |
| Core capital (leverage) ratio | 8.9711% | 4,770 |
| Tier 1 risk-based capital ratio | 12.1297% | 5,685 |
| Total risk-based capital ratio | 13.2259% | 5,778 |
| Memoranda: | ||
| Average total assets | $244,329,330 | 2,609 |
| Average earning assets | $227,338,330 | 2,559 |
| Average equity | $19,685,670 | 3,174 |
| Average total loans | $141,575,670 | 2,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 5,585 |
| Cost of funding earning assets | 1.2632% | 2,402 |
| Net interest margin | 3.1667% | 6,174 |
| Noninterest income to average assets | 0.5678% | 3,384 |
| Noninterest expense to average assets | 2.9155% | 3,997 |
| Loan and lease loss provision to assets | 0.2636% | 3,025 |
| Net operating income to assets | 0.2832% | 5,489 |
| Return on assets (ROA) | 0.0260% | 6,325 |
| Pretax return on assets | -0.0683% | 6,421 |
| Return on Equity (ROE) | 0.3305% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.3305% | 5,678 |
| Net charge-offs to loans | 0.8859% | 1,497 |
| Credit loss provision to net charge-offs | 51.5924% | 3,720 |
| Earnings coverage of net charge-offs (x) | 1.1688% | 3,778 |
| Efficiency ratio | 82.5845% | 2,141 |
| Assets per employee ($millions) | 3.1680% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 5,214 |
| Loan loss allowance to noncurrent loans | 103.0560% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 5,454 |
| Noncurrent loans to loans | 1.2451% | 4,607 |
| Net loans and leases to total assets | 57.4330% | 4,733 |
| Net loans and leases to deposits | 65.5563% | 5,034 |
| Net loans and leases to core deposits | 68.7923% | 5,191 |
| Total domestic deposits to total assets | 87.6087% | 2,607 |
| Equity capital to assets | 8.0156% | 6,481 |
| Core capital (leverage) ratio | 8.9657% | 4,665 |
| Tier 1 risk-based capital ratio | 12.0368% | 5,658 |
| Total risk-based capital ratio | 13.0506% | 5,858 |
| Memoranda: | ||
| Average total assets | $245,860,500 | 2,601 |
| Average earning assets | $228,630,500 | 2,557 |
| Average equity | $19,365,500 | 3,212 |
| Average total loans | $141,781,500 | 2,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 5,654 |
| Cost of funding earning assets | 1.5741% | 2,222 |
| Net interest margin | 3.1664% | 6,349 |
| Noninterest income to average assets | 0.4525% | 4,498 |
| Noninterest expense to average assets | 2.9478% | 4,043 |
| Loan and lease loss provision to assets | 0.1525% | 5,674 |
| Net operating income to assets | 0.2445% | 5,122 |
| Return on assets (ROA) | -0.2690% | 6,232 |
| Pretax return on assets | -0.5004% | 6,321 |
| Return on Equity (ROE) | -3.4064% | 6,315 |
| Retained earnings to average equity (ytd only) | -3.4064% | 6,146 |
| Net charge-offs to loans | 0.0304% | 6,504 |
| Credit loss provision to net charge-offs | 895.3488% | 241 |
| Earnings coverage of net charge-offs (x) | 26.6744% | 814 |
| Efficiency ratio | 86.2234% | 1,670 |
| Assets per employee ($millions) | 3.1767% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,549 |
| Loan loss allowance to noncurrent loans | 89.4785% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 5,049 |
| Noncurrent loans to loans | 1.5568% | 4,163 |
| Net loans and leases to total assets | 56.3671% | 5,283 |
| Net loans and leases to deposits | 66.2040% | 5,375 |
| Net loans and leases to core deposits | 69.2963% | 5,510 |
| Total domestic deposits to total assets | 85.1414% | 3,779 |
| Equity capital to assets | 7.7398% | 6,719 |
| Core capital (leverage) ratio | 8.9667% | 4,600 |
| Tier 1 risk-based capital ratio | 12.0481% | 5,427 |
| Total risk-based capital ratio | 13.0979% | 5,609 |
| Memoranda: | ||
| Average total assets | $252,389,600 | 2,522 |
| Average earning assets | $235,124,800 | 2,476 |
| Average equity | $19,933,200 | 3,155 |
| Average total loans | $141,277,600 | 2,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 5,684 |
| Cost of funding earning assets | 1.6571% | 2,061 |
| Net interest margin | 3.1371% | 6,515 |
| Noninterest income to average assets | 0.5027% | 4,165 |
| Noninterest expense to average assets | 2.8034% | 4,476 |
| Loan and lease loss provision to assets | 0.1599% | 5,437 |
| Net operating income to assets | 0.3251% | 5,068 |
| Return on assets (ROA) | -0.3124% | 6,486 |
| Pretax return on assets | -0.5327% | 6,578 |
| Return on Equity (ROE) | -3.9359% | 6,566 |
| Retained earnings to average equity (ytd only) | -3.9359% | 6,456 |
| Net charge-offs to loans | 0.0425% | 6,115 |
| Credit loss provision to net charge-offs | 675.5556% | 435 |
| Earnings coverage of net charge-offs (x) | 26.3327% | 965 |
| Efficiency ratio | 81.3996% | 2,143 |
| Assets per employee ($millions) | 3.2081% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 4,771 |
| Loan loss allowance to noncurrent loans | 101.8868% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 5,308 |
| Noncurrent loans to loans | 1.3107% | 4,672 |
| Net loans and leases to total assets | 55.0951% | 5,682 |
| Net loans and leases to deposits | 65.2404% | 5,751 |
| Net loans and leases to core deposits | 68.2016% | 5,917 |
| Total domestic deposits to total assets | 84.4493% | 3,898 |
| Equity capital to assets | 8.1612% | 6,656 |
| Core capital (leverage) ratio | 8.9163% | 4,824 |
| Tier 1 risk-based capital ratio | 12.3434% | 5,124 |
| Total risk-based capital ratio | 13.3569% | 5,325 |
| Memoranda: | ||
| Average total assets | $253,541,250 | 2,551 |
| Average earning assets | $236,308,250 | 2,502 |
| Average equity | $20,122,000 | 3,177 |
| Average total loans | $141,186,750 | 2,958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 5,827 |
| Cost of funding earning assets | 1.6681% | 2,296 |
| Net interest margin | 3.1229% | 6,543 |
| Noninterest income to average assets | 0.4811% | 4,279 |
| Noninterest expense to average assets | 2.8197% | 4,395 |
| Loan and lease loss provision to assets | 0.1712% | 5,158 |
| Net operating income to assets | 0.2899% | 5,221 |
| Return on assets (ROA) | -0.2587% | 6,467 |
| Pretax return on assets | -0.3612% | 6,479 |
| Return on Equity (ROE) | -3.2907% | 6,543 |
| Retained earnings to average equity (ytd only) | -3.2907% | 6,337 |
| Net charge-offs to loans | 0.0312% | 5,902 |
| Credit loss provision to net charge-offs | 986.3636% | 383 |
| Earnings coverage of net charge-offs (x) | 32.9545% | 854 |
| Efficiency ratio | 82.7209% | 2,076 |
| Assets per employee ($millions) | 3.4225% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,950 |
| Loan loss allowance to noncurrent loans | 96.3588% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 5,315 |
| Noncurrent loans to loans | 1.3435% | 4,699 |
| Net loans and leases to total assets | 54.2392% | 5,960 |
| Net loans and leases to deposits | 64.6597% | 5,958 |
| Net loans and leases to core deposits | 67.4698% | 6,100 |
| Total domestic deposits to total assets | 83.8841% | 4,157 |
| Equity capital to assets | 7.9132% | 6,838 |
| Core capital (leverage) ratio | 9.1645% | 4,357 |
| Tier 1 risk-based capital ratio | 11.7037% | 5,582 |
| Total risk-based capital ratio | 12.6219% | 5,867 |
| Memoranda: | ||
| Average total assets | $253,574,330 | 2,566 |
| Average earning assets | $236,320,330 | 2,529 |
| Average equity | $19,934,670 | 3,183 |
| Average total loans | $141,074,330 | 2,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 6,013 |
| Cost of funding earning assets | 1.6739% | 2,520 |
| Net interest margin | 3.0924% | 6,610 |
| Noninterest income to average assets | 0.4587% | 4,390 |
| Noninterest expense to average assets | 2.8776% | 4,148 |
| Loan and lease loss provision to assets | 0.1809% | 4,715 |
| Net operating income to assets | 0.2241% | 5,602 |
| Return on assets (ROA) | -0.7269% | 6,991 |
| Pretax return on assets | -0.9063% | 7,007 |
| Return on Equity (ROE) | -9.2778% | 7,110 |
| Retained earnings to average equity (ytd only) | -9.2778% | 6,919 |
| Net charge-offs to loans | 0.0652% | 4,756 |
| Credit loss provision to net charge-offs | 495.6522% | 862 |
| Earnings coverage of net charge-offs (x) | 12.6957% | 1,548 |
| Efficiency ratio | 85.7007% | 1,827 |
| Assets per employee ($millions) | 3.3680% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 5,404 |
| Loan loss allowance to noncurrent loans | 71.6604% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 4,896 |
| Noncurrent loans to loans | 1.7005% | 4,192 |
| Net loans and leases to total assets | 56.0089% | 5,744 |
| Net loans and leases to deposits | 66.2635% | 5,794 |
| Net loans and leases to core deposits | 69.0281% | 6,000 |
| Total domestic deposits to total assets | 84.5245% | 3,884 |
| Equity capital to assets | 8.0050% | 6,646 |
| Core capital (leverage) ratio | 9.2774% | 4,092 |
| Tier 1 risk-based capital ratio | 11.5299% | 5,648 |
| Total risk-based capital ratio | 12.3903% | 5,984 |
| Memoranda: | ||
| Average total assets | $252,019,000 | 2,633 |
| Average earning assets | $234,895,500 | 2,594 |
| Average equity | $19,746,000 | 3,231 |
| Average total loans | $141,086,500 | 3,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 4,809 |
| Cost of funding earning assets | 1.9363% | 3,271 |
| Net interest margin | 3.4394% | 5,218 |
| Noninterest income to average assets | 0.5385% | 4,120 |
| Noninterest expense to average assets | 2.8616% | 4,691 |
| Loan and lease loss provision to assets | 0.2699% | 5,254 |
| Net operating income to assets | 0.6294% | 3,222 |
| Return on assets (ROA) | 0.1370% | 5,157 |
| Pretax return on assets | 0.1035% | 5,212 |
| Return on Equity (ROE) | 2.0273% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.3938% | 4,084 |
| Net charge-offs to loans | 0.0919% | 6,209 |
| Credit loss provision to net charge-offs | 513.1783% | 602 |
| Earnings coverage of net charge-offs (x) | 16.4651% | 1,251 |
| Efficiency ratio | 76.3780% | 3,462 |
| Assets per employee ($millions) | 3.2667% | 5,570 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,595 |
| Loan loss allowance to noncurrent loans | 155.3333% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 6,019 |
| Noncurrent loans to loans | 0.7454% | 5,769 |
| Net loans and leases to total assets | 54.6408% | 6,128 |
| Net loans and leases to deposits | 63.9908% | 6,262 |
| Net loans and leases to core deposits | 73.5275% | 6,562 |
| Total domestic deposits to total assets | 85.3885% | 3,365 |
| Equity capital to assets | 7.6690% | 6,884 |
| Core capital (leverage) ratio | 9.4949% | 3,728 |
| Tier 1 risk-based capital ratio | 11.9913% | 4,953 |
| Total risk-based capital ratio | 12.8193% | 5,281 |
| Memoranda: | ||
| Average total assets | $245,320,200 | 2,658 |
| Average earning assets | $227,449,800 | 2,619 |
| Average equity | $16,573,400 | 3,765 |
| Average total loans | $140,355,000 | 3,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4408% | 4,737 |
| Cost of funding earning assets | 2.0009% | 3,354 |
| Net interest margin | 3.4398% | 5,115 |
| Noninterest income to average assets | 0.5142% | 4,373 |
| Noninterest expense to average assets | 2.9372% | 4,287 |
| Loan and lease loss provision to assets | 0.2903% | 4,654 |
| Net operating income to assets | 0.3521% | 4,592 |
| Return on assets (ROA) | 0.2195% | 5,172 |
| Pretax return on assets | 0.2942% | 5,078 |
| Return on Equity (ROE) | 3.3687% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.4844% | 3,935 |
| Net charge-offs to loans | 0.0894% | 5,790 |
| Credit loss provision to net charge-offs | 562.7660% | 688 |
| Earnings coverage of net charge-offs (x) | 14.7554% | 1,577 |
| Efficiency ratio | 79.0177% | 2,994 |
| Assets per employee ($millions) | 3.2716% | 5,463 |
| Cash dividends to net income (ytd only)* | 26.2507% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,870 |
| Loan loss allowance to noncurrent loans | 98.7758% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 5,554 |
| Noncurrent loans to loans | 1.0874% | 5,129 |
| Net loans and leases to total assets | 56.0471% | 6,134 |
| Net loans and leases to deposits | 66.3353% | 6,280 |
| Net loans and leases to core deposits | 76.1719% | 6,600 |
| Total domestic deposits to total assets | 84.4907% | 3,480 |
| Equity capital to assets | 6.2823% | 7,809 |
| Core capital (leverage) ratio | 8.0148% | 6,336 |
| Tier 1 risk-based capital ratio | 9.4827% | 7,389 |
| Total risk-based capital ratio | 10.2085% | 7,657 |
| Memoranda: | ||
| Average total assets | $242,948,750 | 2,701 |
| Average earning assets | $224,888,500 | 2,676 |
| Average equity | $15,831,500 | 3,951 |
| Average total loans | $140,229,000 | 3,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 4,572 |
| Cost of funding earning assets | 2.0928% | 3,306 |
| Net interest margin | 3.4166% | 5,107 |
| Noninterest income to average assets | 0.5243% | 4,232 |
| Noninterest expense to average assets | 2.9938% | 4,110 |
| Loan and lease loss provision to assets | 0.3259% | 3,984 |
| Net operating income to assets | 0.2753% | 4,995 |
| Return on assets (ROA) | 0.2834% | 5,070 |
| Pretax return on assets | 0.3776% | 4,994 |
| Return on Equity (ROE) | 4.2947% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.9684% | 3,669 |
| Net charge-offs to loans | 0.0904% | 5,281 |
| Credit loss provision to net charge-offs | 620.6349% | 747 |
| Earnings coverage of net charge-offs (x) | 13.1905% | 1,758 |
| Efficiency ratio | 80.8049% | 2,919 |
| Assets per employee ($millions) | 3.1079% | 5,846 |
| Cash dividends to net income (ytd only)* | 30.8824% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,071 |
| Loan loss allowance to noncurrent loans | 100.7062% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 5,566 |
| Noncurrent loans to loans | 1.0142% | 5,179 |
| Net loans and leases to total assets | 55.5806% | 6,260 |
| Net loans and leases to deposits | 65.7785% | 6,414 |
| Net loans and leases to core deposits | 73.9059% | 6,800 |
| Total domestic deposits to total assets | 84.4966% | 3,504 |
| Equity capital to assets | 6.1453% | 7,906 |
| Core capital (leverage) ratio | 8.0923% | 6,176 |
| Tier 1 risk-based capital ratio | 9.2981% | 7,539 |
| Total risk-based capital ratio | 9.9569% | 7,855 |
| Memoranda: | ||
| Average total assets | $239,960,670 | 2,751 |
| Average earning assets | $222,091,330 | 2,721 |
| Average equity | $15,833,330 | 3,953 |
| Average total loans | $139,397,670 | 3,153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6054% | 4,322 |
| Cost of funding earning assets | 2.1281% | 3,521 |
| Net interest margin | 3.4773% | 4,817 |
| Noninterest income to average assets | 0.4940% | 4,374 |
| Noninterest expense to average assets | 2.8486% | 4,338 |
| Loan and lease loss provision to assets | 0.3446% | 3,257 |
| Net operating income to assets | 0.4040% | 4,842 |
| Return on assets (ROA) | 0.4040% | 5,023 |
| Pretax return on assets | 0.5297% | 4,978 |
| Return on Equity (ROE) | 5.9092% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.6181% | 3,358 |
| Net charge-offs to loans | 0.0747% | 4,436 |
| Credit loss provision to net charge-offs | 780.7692% | 762 |
| Earnings coverage of net charge-offs (x) | 19.8077% | 1,405 |
| Efficiency ratio | 76.1058% | 3,473 |
| Assets per employee ($millions) | 3.0844% | 5,929 |
| Cash dividends to net income (ytd only)* | 21.8487% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,661 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 5,295 |
| Noncurrent loans to loans | 0.9723% | 5,051 |
| Net loans and leases to total assets | 57.9232% | 5,949 |
| Net loans and leases to deposits | 71.1036% | 5,856 |
| Net loans and leases to core deposits | 79.4574% | 6,425 |
| Total domestic deposits to total assets | 81.4631% | 4,760 |
| Equity capital to assets | 6.3764% | 7,912 |
| Core capital (leverage) ratio | 8.4470% | 5,632 |
| Tier 1 risk-based capital ratio | 9.5506% | 7,386 |
| Total risk-based capital ratio | 10.1574% | 7,881 |
| Memoranda: | ||
| Average total assets | $235,626,000 | 2,816 |
| Average earning assets | $218,789,500 | 2,777 |
| Average equity | $16,110,500 | 3,923 |
| Average total loans | $139,288,500 | 3,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 5,753 |
| Cost of funding earning assets | 2.6095% | 3,639 |
| Net interest margin | 3.3505% | 5,860 |
| Noninterest income to average assets | 0.5692% | 4,088 |
| Noninterest expense to average assets | 2.9285% | 4,340 |
| Loan and lease loss provision to assets | 0.1270% | 5,742 |
| Net operating income to assets | 0.4806% | 4,825 |
| Return on assets (ROA) | 0.4047% | 4,948 |
| Pretax return on assets | 0.5175% | 4,927 |
| Return on Equity (ROE) | 5.2601% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.2528% | 2,477 |
| Net charge-offs to loans | 0.0600% | 5,920 |
| Credit loss provision to net charge-offs | 359.7561% | 1,234 |
| Earnings coverage of net charge-offs (x) | 21.0122% | 1,550 |
| Efficiency ratio | 79.3666% | 2,693 |
| Assets per employee ($millions) | 3.0358% | 5,966 |
| Cash dividends to net income (ytd only)* | 19.1489% | 4,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 7,161 |
| Loan loss allowance to noncurrent loans | 154.4304% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 6,371 |
| Noncurrent loans to loans | 0.5088% | 5,827 |
| Net loans and leases to total assets | 59.3092% | 6,013 |
| Net loans and leases to deposits | 75.7766% | 5,612 |
| Net loans and leases to core deposits | 86.9765% | 6,064 |
| Total domestic deposits to total assets | 78.2685% | 5,624 |
| Equity capital to assets | 7.3056% | 7,554 |
| Core capital (leverage) ratio | 8.6117% | 5,358 |
| Tier 1 risk-based capital ratio | 12.7492% | 4,261 |
| Total risk-based capital ratio | 13.4536% | 4,556 |
| Memoranda: | ||
| Average total assets | $232,267,000 | 2,737 |
| Average earning assets | $214,985,400 | 2,711 |
| Average equity | $17,870,400 | 3,573 |
| Average total loans | $136,628,800 | 3,151 |