Home > National Bank of Arkansas in North Little Rock > Performance and Condition Ratios
National Bank of Arkansas in North Little Rock, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 5,142 |
| Cost of funding earning assets | 0.8483% | 1,056 |
| Net interest margin | 2.8611% | 5,894 |
| Noninterest income to average assets | 0.8282% | 2,014 |
| Noninterest expense to average assets | 3.4884% | 1,633 |
| Loan and lease loss provision to assets | 0.1141% | 2,866 |
| Net operating income to assets | -0.2047% | 6,473 |
| Return on assets (ROA) | -0.1819% | 6,475 |
| Pretax return on assets | -0.1819% | 6,462 |
| Return on Equity (ROE) | -2.1593% | 6,489 |
| Retained earnings to average equity (ytd only) | -2.1593% | 6,283 |
| Net charge-offs to loans | -0.0480% | 6,292 |
| Credit loss provision to net charge-offs | -457.1429% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6664% | 384 |
| Assets per employee ($millions) | 2.4440% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 1,992 |
| Loan loss allowance to noncurrent loans | 43.7910% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 3.6765% | 895 |
| Noncurrent loans to loans | 4.3514% | 768 |
| Net loans and leases to total assets | 50.6094% | 5,060 |
| Net loans and leases to deposits | 59.2277% | 5,068 |
| Net loans and leases to core deposits | 64.7346% | 4,823 |
| Total domestic deposits to total assets | 85.4488% | 3,522 |
| Equity capital to assets | 8.0737% | 6,102 |
| Core capital (leverage) ratio | 8.1620% | 6,096 |
| Tier 1 risk-based capital ratio | 14.3108% | 4,207 |
| Total risk-based capital ratio | 15.5662% | 4,149 |
| Memoranda: | ||
| Average total assets | $186,902,500 | 3,227 |
| Average earning assets | $167,854,500 | 3,273 |
| Average equity | $15,745,500 | 3,785 |
| Average total loans | $97,283,750 | 3,546 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6552% | 5,275 |
| Cost of funding earning assets | 0.8481% | 1,148 |
| Net interest margin | 2.8071% | 5,988 |
| Noninterest income to average assets | 1.0260% | 1,449 |
| Noninterest expense to average assets | 3.4566% | 1,705 |
| Loan and lease loss provision to assets | 0.1701% | 2,209 |
| Net operating income to assets | -0.0808% | 6,391 |
| Return on assets (ROA) | -0.0468% | 6,404 |
| Pretax return on assets | -0.0468% | 6,392 |
| Return on Equity (ROE) | -0.5479% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.5479% | 5,969 |
| Net charge-offs to loans | -0.1630% | 6,612 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4813% | 594 |
| Assets per employee ($millions) | 2.3347% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,126 |
| Loan loss allowance to noncurrent loans | 39.8576% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.9539% | 880 |
| Noncurrent loans to loans | 4.7543% | 703 |
| Net loans and leases to total assets | 51.1958% | 4,972 |
| Net loans and leases to deposits | 59.6808% | 5,007 |
| Net loans and leases to core deposits | 65.7863% | 4,711 |
| Total domestic deposits to total assets | 85.7827% | 3,486 |
| Equity capital to assets | 8.3066% | 5,968 |
| Core capital (leverage) ratio | 8.2363% | 5,975 |
| Tier 1 risk-based capital ratio | 14.3026% | 4,223 |
| Total risk-based capital ratio | 15.5577% | 4,172 |
| Memoranda: | ||
| Average total assets | $188,104,000 | 3,230 |
| Average earning assets | $168,856,330 | 3,271 |
| Average equity | $16,061,000 | 3,763 |
| Average total loans | $98,189,000 | 3,539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6740% | 5,242 |
| Cost of funding earning assets | 0.8575% | 1,217 |
| Net interest margin | 2.8165% | 5,995 |
| Noninterest income to average assets | 1.0701% | 1,301 |
| Noninterest expense to average assets | 3.4413% | 1,736 |
| Loan and lease loss provision to assets | 0.2543% | 1,406 |
| Net operating income to assets | -0.1060% | 6,447 |
| Return on assets (ROA) | 0.0021% | 6,415 |
| Pretax return on assets | 0.0021% | 6,406 |
| Return on Equity (ROE) | 0.0245% | 6,417 |
| Retained earnings to average equity (ytd only) | 0.0245% | 5,760 |
| Net charge-offs to loans | -0.2922% | 6,773 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8678% | 740 |
| Assets per employee ($millions) | 2.3826% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 2,599 |
| Loan loss allowance to noncurrent loans | 45.1556% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 3.8789% | 1,053 |
| Noncurrent loans to loans | 4.0000% | 1,129 |
| Net loans and leases to total assets | 51.9599% | 4,711 |
| Net loans and leases to deposits | 60.8791% | 4,699 |
| Net loans and leases to core deposits | 66.4969% | 4,468 |
| Total domestic deposits to total assets | 85.3494% | 3,868 |
| Equity capital to assets | 8.6445% | 5,864 |
| Core capital (leverage) ratio | 8.3291% | 5,787 |
| Tier 1 risk-based capital ratio | 14.0796% | 4,448 |
| Total risk-based capital ratio | 15.3327% | 4,403 |
| Memoranda: | ||
| Average total assets | $188,766,500 | 3,239 |
| Average earning assets | $168,860,500 | 3,294 |
| Average equity | $16,334,000 | 3,762 |
| Average total loans | $98,548,500 | 3,547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 3,606 |
| Cost of funding earning assets | 1.0256% | 1,226 |
| Net interest margin | 3.4262% | 4,794 |
| Noninterest income to average assets | 1.0602% | 1,379 |
| Noninterest expense to average assets | 3.7228% | 1,373 |
| Loan and lease loss provision to assets | 0.3583% | 1,860 |
| Net operating income to assets | 0.0042% | 6,160 |
| Return on assets (ROA) | 0.0042% | 6,298 |
| Pretax return on assets | 0.0016% | 6,280 |
| Return on Equity (ROE) | 0.0486% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.0486% | 5,809 |
| Net charge-offs to loans | 0.8793% | 1,302 |
| Credit loss provision to net charge-offs | 71.4286% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.7174% | 5,124 |
| Efficiency ratio | 91.1848% | 971 |
| Assets per employee ($millions) | 2.4270% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,119 |
| Loan loss allowance to noncurrent loans | 41.8381% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 3.8545% | 1,135 |
| Noncurrent loans to loans | 3.9396% | 1,206 |
| Net loans and leases to total assets | 50.6526% | 5,084 |
| Net loans and leases to deposits | 59.3125% | 5,092 |
| Net loans and leases to core deposits | 64.1044% | 4,943 |
| Total domestic deposits to total assets | 85.3995% | 3,662 |
| Equity capital to assets | 8.6615% | 5,894 |
| Core capital (leverage) ratio | 8.2409% | 5,951 |
| Tier 1 risk-based capital ratio | 14.2982% | 4,167 |
| Total risk-based capital ratio | 15.5515% | 4,123 |
| Memoranda: | ||
| Average total assets | $189,774,000 | 3,178 |
| Average earning assets | $167,414,800 | 3,265 |
| Average equity | $16,455,200 | 3,712 |
| Average total loans | $108,273,400 | 3,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 3,388 |
| Cost of funding earning assets | 1.0557% | 1,258 |
| Net interest margin | 3.5040% | 4,626 |
| Noninterest income to average assets | 1.0378% | 1,404 |
| Noninterest expense to average assets | 3.7473% | 1,295 |
| Loan and lease loss provision to assets | 0.3721% | 1,738 |
| Net operating income to assets | 0.0049% | 6,271 |
| Return on assets (ROA) | 0.0049% | 6,401 |
| Pretax return on assets | 0.0014% | 6,389 |
| Return on Equity (ROE) | 0.0566% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.0566% | 6,054 |
| Net charge-offs to loans | 0.5659% | 1,919 |
| Credit loss provision to net charge-offs | 112.5265% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.1295% | 4,731 |
| Efficiency ratio | 90.9354% | 967 |
| Assets per employee ($millions) | 2.4234% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 2,541 |
| Loan loss allowance to noncurrent loans | 37.8368% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 4.3591% | 1,071 |
| Noncurrent loans to loans | 4.9719% | 913 |
| Net loans and leases to total assets | 53.4743% | 4,827 |
| Net loans and leases to deposits | 62.6974% | 4,890 |
| Net loans and leases to core deposits | 68.8546% | 4,634 |
| Total domestic deposits to total assets | 85.2896% | 3,623 |
| Equity capital to assets | 8.6770% | 6,124 |
| Core capital (leverage) ratio | 8.2660% | 6,066 |
| Tier 1 risk-based capital ratio | 13.7468% | 4,725 |
| Total risk-based capital ratio | 15.0014% | 4,673 |
| Memoranda: | ||
| Average total assets | $189,890,250 | 3,206 |
| Average earning assets | $167,081,750 | 3,304 |
| Average equity | $16,469,750 | 3,741 |
| Average total loans | $110,967,500 | 3,306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 2,758 |
| Cost of funding earning assets | 1.1050% | 1,199 |
| Net interest margin | 3.6346% | 4,105 |
| Noninterest income to average assets | 1.0117% | 1,436 |
| Noninterest expense to average assets | 3.6114% | 1,558 |
| Loan and lease loss provision to assets | 0.4522% | 1,418 |
| Net operating income to assets | 0.1357% | 6,077 |
| Return on assets (ROA) | 0.1357% | 6,243 |
| Pretax return on assets | 0.1304% | 6,264 |
| Return on Equity (ROE) | 1.5644% | 6,177 |
| Retained earnings to average equity (ytd only) | 1.5644% | 5,420 |
| Net charge-offs to loans | 0.7288% | 1,520 |
| Credit loss provision to net charge-offs | 103.8647% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.3382% | 4,335 |
| Efficiency ratio | 86.1083% | 1,422 |
| Assets per employee ($millions) | 2.3001% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 2,988 |
| Loan loss allowance to noncurrent loans | 32.5099% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 4.5836% | 1,070 |
| Noncurrent loans to loans | 5.4125% | 862 |
| Net loans and leases to total assets | 56.0963% | 4,453 |
| Net loans and leases to deposits | 65.9945% | 4,510 |
| Net loans and leases to core deposits | 72.5614% | 4,234 |
| Total domestic deposits to total assets | 85.0015% | 3,862 |
| Equity capital to assets | 8.7961% | 5,917 |
| Core capital (leverage) ratio | 8.3017% | 5,908 |
| Tier 1 risk-based capital ratio | 13.1214% | 5,098 |
| Total risk-based capital ratio | 14.3758% | 5,071 |
| Memoranda: | ||
| Average total assets | $190,177,330 | 3,213 |
| Average earning assets | $166,509,000 | 3,321 |
| Average equity | $16,492,330 | 3,730 |
| Average total loans | $113,616,670 | 3,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 2,560 |
| Cost of funding earning assets | 1.1571% | 1,148 |
| Net interest margin | 3.6615% | 4,000 |
| Noninterest income to average assets | 1.0620% | 1,278 |
| Noninterest expense to average assets | 3.5818% | 1,602 |
| Loan and lease loss provision to assets | 0.5865% | 978 |
| Net operating income to assets | 0.0754% | 6,283 |
| Return on assets (ROA) | 0.0754% | 6,401 |
| Pretax return on assets | 0.0817% | 6,410 |
| Return on Equity (ROE) | 0.8757% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.8757% | 5,715 |
| Net charge-offs to loans | 0.2711% | 2,584 |
| Credit loss provision to net charge-offs | 354.4304% | 865 |
| Earnings coverage of net charge-offs (x) | 4.0380% | 2,685 |
| Efficiency ratio | 84.2780% | 1,656 |
| Assets per employee ($millions) | 2.3477% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 3,002 |
| Loan loss allowance to noncurrent loans | 26.2825% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 5.2454% | 971 |
| Noncurrent loans to loans | 6.8387% | 671 |
| Net loans and leases to total assets | 58.3223% | 3,984 |
| Net loans and leases to deposits | 70.1762% | 3,714 |
| Net loans and leases to core deposits | 75.7031% | 3,648 |
| Total domestic deposits to total assets | 83.1085% | 4,881 |
| Equity capital to assets | 8.4037% | 6,174 |
| Core capital (leverage) ratio | 8.4670% | 5,648 |
| Tier 1 risk-based capital ratio | 12.8726% | 5,303 |
| Total risk-based capital ratio | 14.1269% | 5,282 |
| Memoranda: | ||
| Average total assets | $190,963,000 | 3,221 |
| Average earning assets | $166,272,000 | 3,346 |
| Average equity | $16,443,500 | 3,741 |
| Average total loans | $116,577,000 | 3,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 3,810 |
| Cost of funding earning assets | 1.4055% | 1,014 |
| Net interest margin | 3.3948% | 5,497 |
| Noninterest income to average assets | 0.8075% | 2,019 |
| Noninterest expense to average assets | 3.7193% | 1,502 |
| Loan and lease loss provision to assets | 0.3826% | 2,702 |
| Net operating income to assets | -0.3082% | 6,352 |
| Return on assets (ROA) | -0.2747% | 6,379 |
| Pretax return on assets | -0.2468% | 6,318 |
| Return on Equity (ROE) | -3.1940% | 6,427 |
| Retained earnings to average equity (ytd only) | -3.2421% | 6,304 |
| Net charge-offs to loans | 0.8013% | 2,157 |
| Credit loss provision to net charge-offs | 78.3298% | 4,532 |
| Earnings coverage of net charge-offs (x) | 0.2093% | 5,675 |
| Efficiency ratio | 97.3250% | 760 |
| Assets per employee ($millions) | 2.1502% | 7,098 |
| Cash dividends to net income (ytd only)* | -1.5038% | 7,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 3,590 |
| Loan loss allowance to noncurrent loans | 22.6358% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 6.0945% | 799 |
| Noncurrent loans to loans | 7.0689% | 624 |
| Net loans and leases to total assets | 61.7685% | 3,649 |
| Net loans and leases to deposits | 75.5314% | 3,252 |
| Net loans and leases to core deposits | 79.4640% | 3,511 |
| Total domestic deposits to total assets | 81.7786% | 5,196 |
| Equity capital to assets | 8.8266% | 5,767 |
| Core capital (leverage) ratio | 8.2864% | 5,871 |
| Tier 1 risk-based capital ratio | 12.3642% | 5,567 |
| Total risk-based capital ratio | 13.6167% | 5,538 |
| Memoranda: | ||
| Average total assets | $193,691,800 | 3,136 |
| Average earning assets | $171,971,400 | 3,199 |
| Average equity | $16,656,000 | 3,630 |
| Average total loans | $118,051,000 | 3,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 3,941 |
| Cost of funding earning assets | 1.4689% | 957 |
| Net interest margin | 3.3508% | 5,715 |
| Noninterest income to average assets | 0.7446% | 2,346 |
| Noninterest expense to average assets | 3.5840% | 1,740 |
| Loan and lease loss provision to assets | 0.4239% | 2,350 |
| Net operating income to assets | -0.2894% | 6,473 |
| Return on assets (ROA) | -0.2450% | 6,505 |
| Pretax return on assets | -0.2450% | 6,449 |
| Return on Equity (ROE) | -2.8675% | 6,551 |
| Retained earnings to average equity (ytd only) | -2.9315% | 6,412 |
| Net charge-offs to loans | 0.4410% | 2,963 |
| Credit loss provision to net charge-offs | 158.8235% | 1,945 |
| Earnings coverage of net charge-offs (x) | 0.5038% | 5,246 |
| Efficiency ratio | 96.3840% | 798 |
| Assets per employee ($millions) | 2.2749% | 7,094 |
| Cash dividends to net income (ytd only)* | -2.2292% | 7,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 2,275 |
| Loan loss allowance to noncurrent loans | 26.1233% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 6.1470% | 860 |
| Noncurrent loans to loans | 7.7393% | 588 |
| Net loans and leases to total assets | 57.9948% | 4,517 |
| Net loans and leases to deposits | 70.3731% | 4,241 |
| Net loans and leases to core deposits | 74.7303% | 4,351 |
| Total domestic deposits to total assets | 82.4104% | 4,920 |
| Equity capital to assets | 8.6552% | 6,137 |
| Core capital (leverage) ratio | 8.1842% | 6,153 |
| Tier 1 risk-based capital ratio | 12.5902% | 5,414 |
| Total risk-based capital ratio | 13.8473% | 5,388 |
| Memoranda: | ||
| Average total assets | $195,347,000 | 3,126 |
| Average earning assets | $173,365,250 | 3,193 |
| Average equity | $16,692,000 | 3,629 |
| Average total loans | $118,206,250 | 3,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 3,851 |
| Cost of funding earning assets | 1.5488% | 841 |
| Net interest margin | 3.3052% | 5,839 |
| Noninterest income to average assets | 0.8867% | 1,685 |
| Noninterest expense to average assets | 3.6305% | 1,673 |
| Loan and lease loss provision to assets | 0.2551% | 3,363 |
| Net operating income to assets | -0.0235% | 6,265 |
| Return on assets (ROA) | 0.0429% | 6,218 |
| Pretax return on assets | 0.0071% | 6,258 |
| Return on Equity (ROE) | 0.5037% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.4077% | 5,681 |
| Net charge-offs to loans | 0.6011% | 2,323 |
| Credit loss provision to net charge-offs | 69.6379% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.5348% | 4,905 |
| Efficiency ratio | 94.8800% | 930 |
| Assets per employee ($millions) | 2.2573% | 7,148 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 3,092 |
| Loan loss allowance to noncurrent loans | 22.9172% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 6.1582% | 900 |
| Noncurrent loans to loans | 7.7255% | 608 |
| Net loans and leases to total assets | 56.4446% | 4,914 |
| Net loans and leases to deposits | 68.3869% | 4,649 |
| Net loans and leases to core deposits | 74.7247% | 4,481 |
| Total domestic deposits to total assets | 82.5371% | 4,976 |
| Equity capital to assets | 8.7652% | 5,861 |
| Core capital (leverage) ratio | 8.4188% | 5,679 |
| Tier 1 risk-based capital ratio | 13.0210% | 4,899 |
| Total risk-based capital ratio | 14.2755% | 4,876 |
| Memoranda: | ||
| Average total assets | $196,008,000 | 3,136 |
| Average earning assets | $174,329,000 | 3,199 |
| Average equity | $16,677,330 | 3,626 |
| Average total loans | $119,456,670 | 3,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 3,482 |
| Cost of funding earning assets | 1.5997% | 816 |
| Net interest margin | 3.3205% | 5,706 |
| Noninterest income to average assets | 0.8205% | 1,953 |
| Noninterest expense to average assets | 3.5441% | 1,892 |
| Loan and lease loss provision to assets | 0.1219% | 4,488 |
| Net operating income to assets | 0.1056% | 6,082 |
| Return on assets (ROA) | 0.1056% | 6,135 |
| Pretax return on assets | 0.1056% | 6,158 |
| Return on Equity (ROE) | 1.2600% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.1873% | 5,348 |
| Net charge-offs to loans | 0.9140% | 1,457 |
| Credit loss provision to net charge-offs | 21.2766% | 4,240 |
| Earnings coverage of net charge-offs (x) | 0.3972% | 4,324 |
| Efficiency ratio | 93.9688% | 1,036 |
| Assets per employee ($millions) | 2.2805% | 7,196 |
| Cash dividends to net income (ytd only)* | 5.7692% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,928 |
| Loan loss allowance to noncurrent loans | 25.1520% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 5.5786% | 1,072 |
| Noncurrent loans to loans | 6.1935% | 1,007 |
| Net loans and leases to total assets | 59.3080% | 4,403 |
| Net loans and leases to deposits | 73.6607% | 3,812 |
| Net loans and leases to core deposits | 82.9570% | 3,316 |
| Total domestic deposits to total assets | 80.5151% | 5,811 |
| Equity capital to assets | 8.3311% | 6,126 |
| Core capital (leverage) ratio | 8.5533% | 5,343 |
| Tier 1 risk-based capital ratio | 12.7176% | 5,044 |
| Total risk-based capital ratio | 13.9699% | 5,020 |
| Memoranda: | ||
| Average total assets | $196,946,000 | 3,153 |
| Average earning assets | $175,033,000 | 3,222 |
| Average equity | $16,508,000 | 3,638 |
| Average total loans | $123,409,000 | 3,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,764 |
| Cost of funding earning assets | 1.8861% | 890 |
| Net interest margin | 3.4949% | 5,265 |
| Noninterest income to average assets | 1.1816% | 1,066 |
| Noninterest expense to average assets | 4.0859% | 1,042 |
| Loan and lease loss provision to assets | 0.2221% | 5,052 |
| Net operating income to assets | 0.0480% | 5,701 |
| Return on assets (ROA) | 0.1651% | 5,551 |
| Pretax return on assets | 0.0949% | 5,709 |
| Return on Equity (ROE) | 1.9507% | 5,400 |
| Retained earnings to average equity (ytd only) | 0.9604% | 5,071 |
| Net charge-offs to loans | 0.7804% | 2,686 |
| Credit loss provision to net charge-offs | 44.3996% | 6,332 |
| Earnings coverage of net charge-offs (x) | 0.3996% | 5,707 |
| Efficiency ratio | 95.3362% | 994 |
| Assets per employee ($millions) | 2.1249% | 7,352 |
| Cash dividends to net income (ytd only)* | 50.7645% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,435 |
| Loan loss allowance to noncurrent loans | 36.2120% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 4.8524% | 1,341 |
| Noncurrent loans to loans | 4.5212% | 1,563 |
| Net loans and leases to total assets | 64.0461% | 3,865 |
| Net loans and leases to deposits | 79.5902% | 3,242 |
| Net loans and leases to core deposits | 88.6514% | 2,954 |
| Total domestic deposits to total assets | 80.4698% | 5,698 |
| Equity capital to assets | 8.4336% | 5,946 |
| Core capital (leverage) ratio | 8.4213% | 5,498 |
| Tier 1 risk-based capital ratio | 12.3959% | 5,119 |
| Total risk-based capital ratio | 13.6492% | 5,093 |
| Memoranda: | ||
| Average total assets | $198,119,600 | 3,125 |
| Average earning assets | $175,973,200 | 3,168 |
| Average equity | $16,763,400 | 3,636 |
| Average total loans | $126,993,000 | 3,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,500 |
| Cost of funding earning assets | 1.9393% | 902 |
| Net interest margin | 3.5441% | 5,124 |
| Noninterest income to average assets | 1.1752% | 1,007 |
| Noninterest expense to average assets | 4.0560% | 981 |
| Loan and lease loss provision to assets | 0.1207% | 5,820 |
| Net operating income to assets | 0.1596% | 5,620 |
| Return on assets (ROA) | 0.3153% | 5,280 |
| Pretax return on assets | 0.3032% | 5,501 |
| Return on Equity (ROE) | 3.7229% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.6536% | 4,561 |
| Net charge-offs to loans | 0.9801% | 2,040 |
| Credit loss provision to net charge-offs | 19.2926% | 6,255 |
| Earnings coverage of net charge-offs (x) | 0.4287% | 5,594 |
| Efficiency ratio | 93.7956% | 1,010 |
| Assets per employee ($millions) | 2.1053% | 7,456 |
| Cash dividends to net income (ytd only)* | 28.7242% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,758 |
| Loan loss allowance to noncurrent loans | 31.6409% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 5.0758% | 1,267 |
| Noncurrent loans to loans | 4.8784% | 1,441 |
| Net loans and leases to total assets | 60.6595% | 4,788 |
| Net loans and leases to deposits | 75.7911% | 4,213 |
| Net loans and leases to core deposits | 86.5226% | 3,581 |
| Total domestic deposits to total assets | 80.0352% | 5,699 |
| Equity capital to assets | 8.7186% | 5,982 |
| Core capital (leverage) ratio | 8.4671% | 5,565 |
| Tier 1 risk-based capital ratio | 12.5583% | 4,929 |
| Total risk-based capital ratio | 13.8111% | 4,905 |
| Memoranda: | ||
| Average total assets | $198,776,500 | 3,156 |
| Average earning assets | $176,626,000 | 3,208 |
| Average equity | $16,832,500 | 3,671 |
| Average total loans | $126,919,000 | 3,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 2,809 |
| Cost of funding earning assets | 1.9891% | 934 |
| Net interest margin | 3.4489% | 5,441 |
| Noninterest income to average assets | 1.0921% | 1,116 |
| Noninterest expense to average assets | 3.9644% | 1,089 |
| Loan and lease loss provision to assets | 0.1206% | 5,697 |
| Net operating income to assets | 0.1115% | 5,831 |
| Return on assets (ROA) | 0.3446% | 5,164 |
| Pretax return on assets | 0.3044% | 5,484 |
| Return on Equity (ROE) | 4.1098% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.7918% | 4,356 |
| Net charge-offs to loans | 1.4528% | 1,312 |
| Credit loss provision to net charge-offs | 12.8480% | 5,913 |
| Earnings coverage of net charge-offs (x) | 0.2045% | 5,520 |
| Efficiency ratio | 95.3831% | 992 |
| Assets per employee ($millions) | 2.1794% | 7,456 |
| Cash dividends to net income (ytd only)* | 32.0700% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 3,981 |
| Loan loss allowance to noncurrent loans | 25.9666% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 5.4901% | 1,125 |
| Noncurrent loans to loans | 5.7414% | 1,130 |
| Net loans and leases to total assets | 60.6381% | 4,941 |
| Net loans and leases to deposits | 75.5518% | 4,413 |
| Net loans and leases to core deposits | 86.8722% | 3,719 |
| Total domestic deposits to total assets | 80.2603% | 5,648 |
| Equity capital to assets | 8.5563% | 6,092 |
| Core capital (leverage) ratio | 8.3824% | 5,608 |
| Tier 1 risk-based capital ratio | 12.2707% | 5,062 |
| Total risk-based capital ratio | 13.5207% | 5,034 |
| Memoranda: | ||
| Average total assets | $199,069,330 | 3,178 |
| Average earning assets | $176,866,330 | 3,233 |
| Average equity | $16,692,000 | 3,685 |
| Average total loans | $128,583,330 | 3,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 3,024 |
| Cost of funding earning assets | 2.0300% | 1,000 |
| Net interest margin | 3.3735% | 5,695 |
| Noninterest income to average assets | 0.9908% | 1,331 |
| Noninterest expense to average assets | 3.5419% | 1,871 |
| Loan and lease loss provision to assets | 0.0802% | 5,842 |
| Net operating income to assets | 0.2868% | 5,345 |
| Return on assets (ROA) | 0.2868% | 5,479 |
| Pretax return on assets | 0.3650% | 5,399 |
| Return on Equity (ROE) | 3.4555% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.0391% | 5,396 |
| Net charge-offs to loans | 0.3489% | 3,013 |
| Credit loss provision to net charge-offs | 34.7826% | 4,743 |
| Earnings coverage of net charge-offs (x) | 1.9304% | 3,576 |
| Efficiency ratio | 88.8330% | 1,517 |
| Assets per employee ($millions) | 2.2981% | 7,465 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 2,238 |
| Loan loss allowance to noncurrent loans | 27.3271% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 6.1634% | 950 |
| Noncurrent loans to loans | 7.2512% | 805 |
| Net loans and leases to total assets | 63.3358% | 4,462 |
| Net loans and leases to deposits | 78.4576% | 3,953 |
| Net loans and leases to core deposits | 90.3405% | 3,321 |
| Total domestic deposits to total assets | 80.7261% | 5,549 |
| Equity capital to assets | 8.3701% | 6,194 |
| Core capital (leverage) ratio | 8.3350% | 5,679 |
| Tier 1 risk-based capital ratio | 11.6062% | 5,571 |
| Total risk-based capital ratio | 12.8651% | 5,525 |
| Memoranda: | ||
| Average total assets | $199,443,500 | 3,225 |
| Average earning assets | $177,144,000 | 3,295 |
| Average equity | $16,553,500 | 3,744 |
| Average total loans | $131,836,000 | 3,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8312% | 2,522 |
| Cost of funding earning assets | 2.4423% | 1,180 |
| Net interest margin | 3.3890% | 5,408 |
| Noninterest income to average assets | 0.6917% | 3,033 |
| Noninterest expense to average assets | 3.3777% | 2,752 |
| Loan and lease loss provision to assets | 0.4473% | 4,145 |
| Net operating income to assets | 0.0539% | 5,324 |
| Return on assets (ROA) | 0.1509% | 5,115 |
| Pretax return on assets | 0.0186% | 5,395 |
| Return on Equity (ROE) | 1.8226% | 4,974 |
| Retained earnings to average equity (ytd only) | -1.1894% | 5,309 |
| Net charge-offs to loans | 0.5194% | 3,698 |
| Credit loss provision to net charge-offs | 118.2642% | 4,567 |
| Earnings coverage of net charge-offs (x) | 0.9754% | 5,140 |
| Efficiency ratio | 90.1543% | 1,696 |
| Assets per employee ($millions) | 2.5506% | 7,121 |
| Cash dividends to net income (ytd only)* | 165.2597% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 2,112 |
| Loan loss allowance to noncurrent loans | 27.1818% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 6.5429% | 830 |
| Noncurrent loans to loans | 7.2086% | 754 |
| Net loans and leases to total assets | 66.2706% | 4,088 |
| Net loans and leases to deposits | 85.0996% | 3,064 |
| Net loans and leases to core deposits | 112.7710% | 2,620 |
| Total domestic deposits to total assets | 77.8741% | 6,251 |
| Equity capital to assets | 8.2293% | 6,306 |
| Core capital (leverage) ratio | 8.1886% | 5,833 |
| Tier 1 risk-based capital ratio | 11.1460% | 5,782 |
| Total risk-based capital ratio | 12.4031% | 5,729 |
| Memoranda: | ||
| Average total assets | $204,131,200 | 3,135 |
| Average earning assets | $184,009,200 | 3,167 |
| Average equity | $16,899,000 | 3,690 |
| Average total loans | $148,637,200 | 2,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8696% | 2,584 |
| Cost of funding earning assets | 2.5240% | 1,229 |
| Net interest margin | 3.3457% | 5,459 |
| Noninterest income to average assets | 0.6776% | 3,173 |
| Noninterest expense to average assets | 3.3549% | 2,708 |
| Loan and lease loss provision to assets | -0.0974% | 8,067 |
| Net operating income to assets | 0.3313% | 4,673 |
| Return on assets (ROA) | 0.4264% | 4,398 |
| Pretax return on assets | 0.5770% | 4,271 |
| Return on Equity (ROE) | 5.1435% | 3,905 |
| Retained earnings to average equity (ytd only) | 1.9415% | 4,245 |
| Net charge-offs to loans | 0.1130% | 5,553 |
| Credit loss provision to net charge-offs | -116.2791% | 7,212 |
| Earnings coverage of net charge-offs (x) | 4.1937% | 3,227 |
| Efficiency ratio | 90.5254% | 1,641 |
| Assets per employee ($millions) | 2.5878% | 7,072 |
| Cash dividends to net income (ytd only)* | 62.2526% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,986 |
| Loan loss allowance to noncurrent loans | 29.9432% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 5.2615% | 1,102 |
| Noncurrent loans to loans | 5.3443% | 1,192 |
| Net loans and leases to total assets | 68.3226% | 3,882 |
| Net loans and leases to deposits | 88.0737% | 2,940 |
| Net loans and leases to core deposits | 117.1048% | 2,516 |
| Total domestic deposits to total assets | 77.5744% | 6,198 |
| Equity capital to assets | 8.6480% | 6,035 |
| Core capital (leverage) ratio | 8.2020% | 6,011 |
| Tier 1 risk-based capital ratio | 11.2596% | 5,678 |
| Total risk-based capital ratio | 12.5124% | 5,623 |
| Memoranda: | ||
| Average total assets | $205,427,000 | 3,140 |
| Average earning assets | $185,947,250 | 3,168 |
| Average equity | $17,030,750 | 3,698 |
| Average total loans | $152,176,750 | 2,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 2,728 |
| Cost of funding earning assets | 2.5734% | 1,365 |
| Net interest margin | 3.2944% | 5,579 |
| Noninterest income to average assets | 0.7586% | 2,653 |
| Noninterest expense to average assets | 3.2080% | 3,315 |
| Loan and lease loss provision to assets | -0.1446% | 8,171 |
| Net operating income to assets | 0.4906% | 4,120 |
| Return on assets (ROA) | 0.4906% | 4,247 |
| Pretax return on assets | 0.6815% | 4,062 |
| Return on Equity (ROE) | 6.0011% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.3580% | 4,025 |
| Net charge-offs to loans | -0.3049% | 8,070 |
| Credit loss provision to net charge-offs | 62.7615% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6628% | 2,260 |
| Assets per employee ($millions) | 2.5566% | 7,132 |
| Cash dividends to net income (ytd only)* | 60.7073% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,126 |
| Loan loss allowance to noncurrent loans | 31.2818% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 5.2486% | 976 |
| Noncurrent loans to loans | 5.6624% | 1,007 |
| Net loans and leases to total assets | 70.0075% | 3,707 |
| Net loans and leases to deposits | 89.9117% | 2,847 |
| Net loans and leases to core deposits | 122.4721% | 2,158 |
| Total domestic deposits to total assets | 77.8625% | 6,116 |
| Equity capital to assets | 8.3601% | 6,255 |
| Core capital (leverage) ratio | 8.1548% | 6,068 |
| Tier 1 risk-based capital ratio | 10.8179% | 6,060 |
| Total risk-based capital ratio | 12.0732% | 5,992 |
| Memoranda: | ||
| Average total assets | $207,483,000 | 3,133 |
| Average earning assets | $188,077,000 | 3,164 |
| Average equity | $16,963,670 | 3,719 |
| Average total loans | $156,784,670 | 2,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9514% | 2,558 |
| Cost of funding earning assets | 2.6184% | 1,504 |
| Net interest margin | 3.3330% | 5,390 |
| Noninterest income to average assets | 0.7791% | 2,432 |
| Noninterest expense to average assets | 3.1126% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5015% | 4,415 |
| Return on assets (ROA) | 0.5015% | 4,602 |
| Pretax return on assets | 0.6930% | 4,454 |
| Return on Equity (ROE) | 6.2027% | 3,954 |
| Retained earnings to average equity (ytd only) | 1.2547% | 5,136 |
| Net charge-offs to loans | -0.2933% | 8,062 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7907% | 2,559 |
| Assets per employee ($millions) | 2.7437% | 6,780 |
| Cash dividends to net income (ytd only)* | 79.7710% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 2,392 |
| Loan loss allowance to noncurrent loans | 27.8792% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 5.3839% | 803 |
| Noncurrent loans to loans | 5.8541% | 833 |
| Net loans and leases to total assets | 73.5631% | 2,875 |
| Net loans and leases to deposits | 92.9295% | 2,448 |
| Net loans and leases to core deposits | 128.6254% | 1,735 |
| Total domestic deposits to total assets | 79.1601% | 5,664 |
| Equity capital to assets | 7.9366% | 6,907 |
| Core capital (leverage) ratio | 8.0166% | 6,418 |
| Tier 1 risk-based capital ratio | 9.9160% | 7,016 |
| Total risk-based capital ratio | 11.1698% | 6,909 |
| Memoranda: | ||
| Average total assets | $208,959,000 | 3,124 |
| Average earning assets | $189,737,500 | 3,157 |
| Average equity | $16,896,000 | 3,752 |
| Average total loans | $162,292,500 | 2,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5617% | 2,662 |
| Cost of funding earning assets | 2.9971% | 1,871 |
| Net interest margin | 3.5646% | 5,040 |
| Noninterest income to average assets | 0.6561% | 3,425 |
| Noninterest expense to average assets | 3.1053% | 3,674 |
| Loan and lease loss provision to assets | 2.1490% | 538 |
| Net operating income to assets | -0.8297% | 7,153 |
| Return on assets (ROA) | -0.8027% | 7,039 |
| Pretax return on assets | -1.3202% | 7,174 |
| Return on Equity (ROE) | -9.2681% | 7,218 |
| Retained earnings to average equity (ytd only) | -11.2674% | 7,177 |
| Net charge-offs to loans | 1.9207% | 573 |
| Credit loss provision to net charge-offs | 140.7269% | 3,770 |
| Earnings coverage of net charge-offs (x) | 0.5151% | 5,921 |
| Efficiency ratio | 79.7903% | 2,626 |
| Assets per employee ($millions) | 2.6830% | 6,817 |
| Cash dividends to net income (ytd only)* | -21.5721% | 7,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 2,605 |
| Loan loss allowance to noncurrent loans | 27.6202% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 4.8541% | 736 |
| Noncurrent loans to loans | 5.4855% | 747 |
| Net loans and leases to total assets | 79.4708% | 1,782 |
| Net loans and leases to deposits | 102.2249% | 1,568 |
| Net loans and leases to core deposits | 143.9604% | 1,092 |
| Total domestic deposits to total assets | 77.7412% | 5,796 |
| Equity capital to assets | 8.2424% | 6,491 |
| Core capital (leverage) ratio | 8.0551% | 6,397 |
| Tier 1 risk-based capital ratio | 9.7080% | 7,072 |
| Total risk-based capital ratio | 10.9604% | 6,978 |
| Memoranda: | ||
| Average total assets | $210,797,600 | 2,998 |
| Average earning assets | $191,351,600 | 3,021 |
| Average equity | $18,256,200 | 3,513 |
| Average total loans | $167,598,800 | 2,651 |