Home > Ohio River Bank > Performance and Condition Ratios
Ohio River Bank, Performance and Condition Ratios
| 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 | 4.4484% | 3,984 |
| Cost of funding earning assets | 0.4690% | 5,834 |
| Net interest margin | 3.9793% | 2,591 |
| Noninterest income to average assets | 0.6363% | 3,030 |
| Noninterest expense to average assets | 2.4146% | 5,402 |
| Loan and lease loss provision to assets | 0.3211% | 2,055 |
| Net operating income to assets | 1.1441% | 1,897 |
| Return on assets (ROA) | 1.1441% | 2,115 |
| Pretax return on assets | 1.7321% | 1,177 |
| Return on Equity (ROE) | 13.1065% | 1,334 |
| Retained earnings to average equity (ytd only) | 3.3341% | 4,384 |
| Net charge-offs to loans | 0.2938% | 2,851 |
| Credit loss provision to net charge-offs | 181.8182% | 1,556 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 1,946 |
| Efficiency ratio | 54.0431% | 6,311 |
| Assets per employee ($millions) | 3.1488% | 5,753 |
| Cash dividends to net income (ytd only)* | 74.5614% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,216 |
| Loan loss allowance to noncurrent loans | 225.5319% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,973 |
| Noncurrent loans to loans | 0.5448% | 5,430 |
| Net loans and leases to total assets | 55.7184% | 4,509 |
| Net loans and leases to deposits | 65.6834% | 4,540 |
| Net loans and leases to core deposits | 73.6623% | 4,072 |
| Total domestic deposits to total assets | 84.8288% | 3,939 |
| Equity capital to assets | 8.2731% | 6,399 |
| Core capital (leverage) ratio | 8.0943% | 6,170 |
| Tier 1 risk-based capital ratio | 15.2772% | 3,585 |
| Total risk-based capital ratio | 16.5256% | 3,550 |
| Memoranda: | ||
| Average total assets | $99,645,330 | 4,907 |
| Average earning assets | $95,945,670 | 4,770 |
| Average equity | $8,698,000 | 5,355 |
| Average total loans | $59,912,330 | 4,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 3,681 |
| Cost of funding earning assets | 0.4689% | 6,022 |
| Net interest margin | 4.0895% | 2,142 |
| Noninterest income to average assets | 0.6171% | 3,120 |
| Noninterest expense to average assets | 2.4766% | 5,225 |
| Loan and lease loss provision to assets | 0.5420% | 1,090 |
| Net operating income to assets | 1.0090% | 2,446 |
| Return on assets (ROA) | 1.0090% | 2,634 |
| Pretax return on assets | 1.5260% | 1,810 |
| Return on Equity (ROE) | 11.2317% | 1,930 |
| Retained earnings to average equity (ytd only) | 0.7890% | 5,744 |
| Net charge-offs to loans | 0.1542% | 3,169 |
| Credit loss provision to net charge-offs | 565.2174% | 598 |
| Earnings coverage of net charge-offs (x) | 21.5652% | 1,148 |
| Efficiency ratio | 54.4954% | 6,296 |
| Assets per employee ($millions) | 3.4752% | 5,175 |
| Cash dividends to net income (ytd only)* | 92.9752% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 5,016 |
| Loan loss allowance to noncurrent loans | 228.5294% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 5,833 |
| Noncurrent loans to loans | 0.5694% | 5,526 |
| Net loans and leases to total assets | 60.5656% | 3,539 |
| Net loans and leases to deposits | 72.5922% | 3,343 |
| Net loans and leases to core deposits | 79.0795% | 3,169 |
| Total domestic deposits to total assets | 83.4327% | 4,738 |
| Equity capital to assets | 8.8772% | 5,663 |
| Core capital (leverage) ratio | 8.5317% | 5,542 |
| Tier 1 risk-based capital ratio | 15.8049% | 3,276 |
| Total risk-based capital ratio | 17.0525% | 3,253 |
| Memoranda: | ||
| Average total assets | $95,939,000 | 5,040 |
| Average earning assets | $92,137,500 | 4,902 |
| Average equity | $8,618,500 | 5,395 |
| Average total loans | $59,672,000 | 4,831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 3,768 |
| Cost of funding earning assets | 0.5830% | 6,169 |
| Net interest margin | 4.2272% | 1,970 |
| Noninterest income to average assets | 0.6840% | 2,693 |
| Noninterest expense to average assets | 2.8427% | 4,191 |
| Loan and lease loss provision to assets | 0.7833% | 1,268 |
| Net operating income to assets | 0.7269% | 3,347 |
| Return on assets (ROA) | 0.7269% | 3,527 |
| Pretax return on assets | 1.1018% | 2,829 |
| Return on Equity (ROE) | 8.4464% | 2,696 |
| Retained earnings to average equity (ytd only) | 2.4999% | 4,448 |
| Net charge-offs to loans | 1.1313% | 1,510 |
| Credit loss provision to net charge-offs | 109.4891% | 3,065 |
| Earnings coverage of net charge-offs (x) | 2.6350% | 3,898 |
| Efficiency ratio | 60.1281% | 5,736 |
| Assets per employee ($millions) | 3.2611% | 5,598 |
| Cash dividends to net income (ytd only)* | 70.4023% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,721 |
| Loan loss allowance to noncurrent loans | 135.3535% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,501 |
| Noncurrent loans to loans | 0.8301% | 5,028 |
| Net loans and leases to total assets | 62.3472% | 3,530 |
| Net loans and leases to deposits | 75.4562% | 3,266 |
| Net loans and leases to core deposits | 82.6449% | 3,083 |
| Total domestic deposits to total assets | 82.6270% | 4,908 |
| Equity capital to assets | 9.0925% | 5,421 |
| Core capital (leverage) ratio | 8.6146% | 5,371 |
| Tier 1 risk-based capital ratio | 15.8475% | 3,130 |
| Total risk-based capital ratio | 17.0972% | 3,094 |
| Memoranda: | ||
| Average total assets | $95,753,600 | 5,021 |
| Average earning assets | $91,598,200 | 4,869 |
| Average equity | $8,240,200 | 5,502 |
| Average total loans | $60,549,200 | 4,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 3,793 |
| Cost of funding earning assets | 0.6082% | 6,254 |
| Net interest margin | 4.2401% | 1,947 |
| Noninterest income to average assets | 0.6691% | 2,777 |
| Noninterest expense to average assets | 2.9665% | 3,683 |
| Loan and lease loss provision to assets | 0.9995% | 862 |
| Net operating income to assets | 0.5025% | 4,539 |
| Return on assets (ROA) | 0.5025% | 4,723 |
| Pretax return on assets | 0.7579% | 4,289 |
| Return on Equity (ROE) | 5.9217% | 4,051 |
| Retained earnings to average equity (ytd only) | 2.8137% | 4,673 |
| Net charge-offs to loans | 0.2194% | 4,064 |
| Credit loss provision to net charge-offs | 720.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 12.6600% | 1,684 |
| Efficiency ratio | 62.7975% | 5,277 |
| Assets per employee ($millions) | 3.2718% | 5,531 |
| Cash dividends to net income (ytd only)* | 52.4873% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 2,239 |
| Loan loss allowance to noncurrent loans | 118.3575% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,469 |
| Noncurrent loans to loans | 1.7205% | 3,733 |
| Net loans and leases to total assets | 62.1098% | 3,696 |
| Net loans and leases to deposits | 76.0459% | 3,324 |
| Net loans and leases to core deposits | 84.9052% | 2,925 |
| Total domestic deposits to total assets | 81.6741% | 5,204 |
| Equity capital to assets | 9.1429% | 5,592 |
| Core capital (leverage) ratio | 8.5139% | 5,692 |
| Tier 1 risk-based capital ratio | 15.6857% | 3,286 |
| Total risk-based capital ratio | 16.9685% | 3,231 |
| Memoranda: | ||
| Average total assets | $96,049,000 | 5,039 |
| Average earning assets | $91,851,000 | 4,901 |
| Average equity | $8,150,500 | 5,553 |
| Average total loans | $60,778,250 | 4,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 4,078 |
| Cost of funding earning assets | 0.6281% | 6,322 |
| Net interest margin | 4.1782% | 2,128 |
| Noninterest income to average assets | 0.6139% | 3,047 |
| Noninterest expense to average assets | 2.7997% | 4,420 |
| Loan and lease loss provision to assets | 1.4310% | 505 |
| Net operating income to assets | 0.2551% | 5,541 |
| Return on assets (ROA) | 0.2551% | 5,660 |
| Pretax return on assets | 0.3837% | 5,444 |
| Return on Equity (ROE) | 3.0844% | 5,363 |
| Retained earnings to average equity (ytd only) | -1.6801% | 6,192 |
| Net charge-offs to loans | 0.1869% | 4,041 |
| Credit loss provision to net charge-offs | 1,210.5263% | 279 |
| Earnings coverage of net charge-offs (x) | 15.3509% | 1,412 |
| Efficiency ratio | 60.6742% | 5,778 |
| Assets per employee ($millions) | 3.3612% | 5,303 |
| Cash dividends to net income (ytd only)* | 154.4715% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 2,228 |
| Loan loss allowance to noncurrent loans | 120.5453% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 4,782 |
| Noncurrent loans to loans | 1.7039% | 3,878 |
| Net loans and leases to total assets | 60.5663% | 4,173 |
| Net loans and leases to deposits | 73.6030% | 3,865 |
| Net loans and leases to core deposits | 77.7253% | 4,085 |
| Total domestic deposits to total assets | 82.2878% | 5,066 |
| Equity capital to assets | 8.4750% | 6,220 |
| Core capital (leverage) ratio | 7.8862% | 6,426 |
| Tier 1 risk-based capital ratio | 15.0530% | 3,466 |
| Total risk-based capital ratio | 16.3044% | 3,433 |
| Memoranda: | ||
| Average total assets | $96,438,000 | 5,064 |
| Average earning assets | $92,336,000 | 4,927 |
| Average equity | $7,975,670 | 5,620 |
| Average total loans | $60,985,670 | 4,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 3,949 |
| Cost of funding earning assets | 0.6491% | 6,383 |
| Net interest margin | 4.1731% | 1,989 |
| Noninterest income to average assets | 0.5838% | 3,280 |
| Noninterest expense to average assets | 2.7982% | 4,451 |
| Loan and lease loss provision to assets | 0.2919% | 2,823 |
| Net operating income to assets | 0.9842% | 2,232 |
| Return on assets (ROA) | 0.9842% | 2,288 |
| Pretax return on assets | 1.4887% | 1,479 |
| Return on Equity (ROE) | 12.0516% | 1,446 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,739 |
| Net charge-offs to loans | 0.3521% | 2,656 |
| Credit loss provision to net charge-offs | 129.6296% | 2,135 |
| Earnings coverage of net charge-offs (x) | 7.9074% | 1,882 |
| Efficiency ratio | 61.1111% | 5,820 |
| Assets per employee ($millions) | 3.3513% | 5,355 |
| Cash dividends to net income (ytd only)* | 80.5085% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 6,342 |
| Loan loss allowance to noncurrent loans | 61.9143% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 4,846 |
| Noncurrent loans to loans | 1.6370% | 4,025 |
| Net loans and leases to total assets | 62.4055% | 3,774 |
| Net loans and leases to deposits | 74.8691% | 3,618 |
| Net loans and leases to core deposits | 78.7550% | 3,928 |
| Total domestic deposits to total assets | 83.3527% | 4,770 |
| Equity capital to assets | 8.1215% | 6,373 |
| Core capital (leverage) ratio | 8.2769% | 5,851 |
| Tier 1 risk-based capital ratio | 14.7409% | 3,585 |
| Total risk-based capital ratio | 15.8879% | 3,610 |
| Memoranda: | ||
| Average total assets | $95,919,500 | 5,109 |
| Average earning assets | $91,825,500 | 4,975 |
| Average equity | $7,833,000 | 5,668 |
| Average total loans | $61,341,000 | 4,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 3,860 |
| Cost of funding earning assets | 0.7665% | 6,687 |
| Net interest margin | 4.3820% | 1,547 |
| Noninterest income to average assets | 0.6678% | 3,035 |
| Noninterest expense to average assets | 2.5766% | 5,518 |
| Loan and lease loss provision to assets | 0.1020% | 6,125 |
| Net operating income to assets | 1.4332% | 881 |
| Return on assets (ROA) | 1.4332% | 947 |
| Pretax return on assets | 2.1750% | 340 |
| Return on Equity (ROE) | 16.7457% | 505 |
| Retained earnings to average equity (ytd only) | 4.3903% | 2,778 |
| Net charge-offs to loans | 0.0785% | 6,034 |
| Credit loss provision to net charge-offs | 206.5217% | 1,499 |
| Earnings coverage of net charge-offs (x) | 46.1087% | 503 |
| Efficiency ratio | 53.0856% | 6,884 |
| Assets per employee ($millions) | 3.2639% | 5,503 |
| Cash dividends to net income (ytd only)* | 73.7828% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 6,443 |
| Loan loss allowance to noncurrent loans | 351.7442% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 6,777 |
| Noncurrent loans to loans | 0.2801% | 6,495 |
| Net loans and leases to total assets | 64.2416% | 3,828 |
| Net loans and leases to deposits | 79.5744% | 3,249 |
| Net loans and leases to core deposits | 84.8452% | 3,477 |
| Total domestic deposits to total assets | 80.7315% | 5,610 |
| Equity capital to assets | 8.2122% | 6,245 |
| Core capital (leverage) ratio | 8.4383% | 5,469 |
| Tier 1 risk-based capital ratio | 14.4694% | 3,567 |
| Total risk-based capital ratio | 15.5727% | 3,615 |
| Memoranda: | ||
| Average total assets | $93,147,600 | 5,189 |
| Average earning assets | $88,977,400 | 5,051 |
| Average equity | $7,972,200 | 5,721 |
| Average total loans | $58,565,000 | 5,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 4,088 |
| Cost of funding earning assets | 0.8018% | 6,757 |
| Net interest margin | 4.3459% | 1,692 |
| Noninterest income to average assets | 0.6769% | 2,965 |
| Noninterest expense to average assets | 2.5812% | 5,398 |
| Loan and lease loss provision to assets | 0.0934% | 6,092 |
| Net operating income to assets | 1.4243% | 1,065 |
| Return on assets (ROA) | 1.4243% | 1,134 |
| Pretax return on assets | 2.1543% | 449 |
| Return on Equity (ROE) | 16.4710% | 655 |
| Retained earnings to average equity (ytd only) | 4.6704% | 3,214 |
| Net charge-offs to loans | 0.1291% | 5,258 |
| Credit loss provision to net charge-offs | 116.0714% | 3,593 |
| Earnings coverage of net charge-offs (x) | 27.9304% | 923 |
| Efficiency ratio | 53.4524% | 6,839 |
| Assets per employee ($millions) | 3.0794% | 5,971 |
| Cash dividends to net income (ytd only)* | 71.6446% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,664 |
| Loan loss allowance to noncurrent loans | 328.4884% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,787 |
| Noncurrent loans to loans | 0.2810% | 6,628 |
| Net loans and leases to total assets | 65.6401% | 3,768 |
| Net loans and leases to deposits | 79.8828% | 3,474 |
| Net loans and leases to core deposits | 84.9881% | 3,802 |
| Total domestic deposits to total assets | 82.1706% | 4,925 |
| Equity capital to assets | 8.8611% | 5,755 |
| Core capital (leverage) ratio | 8.5194% | 5,472 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,541 |
| Total risk-based capital ratio | 15.4774% | 3,645 |
| Memoranda: | ||
| Average total assets | $92,771,500 | 5,260 |
| Average earning assets | $88,633,500 | 5,126 |
| Average equity | $8,022,000 | 5,785 |
| Average total loans | $57,853,500 | 5,240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 4,638 |
| Cost of funding earning assets | 0.8412% | 6,783 |
| Net interest margin | 4.2240% | 2,073 |
| Noninterest income to average assets | 0.6480% | 3,026 |
| Noninterest expense to average assets | 2.5489% | 5,526 |
| Loan and lease loss provision to assets | 0.0753% | 6,192 |
| Net operating income to assets | 1.3606% | 1,169 |
| Return on assets (ROA) | 1.3606% | 1,241 |
| Pretax return on assets | 2.0559% | 543 |
| Return on Equity (ROE) | 15.8648% | 720 |
| Retained earnings to average equity (ytd only) | 4.0666% | 3,494 |
| Net charge-offs to loans | 0.0740% | 5,405 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 47.1429% | 630 |
| Efficiency ratio | 54.4618% | 6,821 |
| Assets per employee ($millions) | 3.3137% | 5,403 |
| Cash dividends to net income (ytd only)* | 74.3671% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 6,340 |
| Loan loss allowance to noncurrent loans | 255.6054% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,796 |
| Noncurrent loans to loans | 0.3965% | 6,450 |
| Net loans and leases to total assets | 60.0082% | 5,057 |
| Net loans and leases to deposits | 73.4868% | 4,755 |
| Net loans and leases to core deposits | 77.2898% | 5,046 |
| Total domestic deposits to total assets | 81.6585% | 5,124 |
| Equity capital to assets | 8.7892% | 5,768 |
| Core capital (leverage) ratio | 8.3009% | 5,771 |
| Tier 1 risk-based capital ratio | 14.9890% | 3,154 |
| Total risk-based capital ratio | 16.0920% | 3,216 |
| Memoranda: | ||
| Average total assets | $92,901,670 | 5,281 |
| Average earning assets | $88,684,330 | 5,147 |
| Average equity | $7,967,330 | 5,820 |
| Average total loans | $56,736,670 | 5,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 4,881 |
| Cost of funding earning assets | 0.8683% | 6,877 |
| Net interest margin | 4.1617% | 2,187 |
| Noninterest income to average assets | 0.6196% | 3,141 |
| Noninterest expense to average assets | 2.5043% | 5,710 |
| Loan and lease loss provision to assets | 0.0645% | 5,993 |
| Net operating income to assets | 1.3425% | 1,198 |
| Return on assets (ROA) | 1.3425% | 1,270 |
| Pretax return on assets | 2.0310% | 574 |
| Return on Equity (ROE) | 15.8506% | 740 |
| Retained earnings to average equity (ytd only) | 3.6578% | 3,958 |
| Net charge-offs to loans | 0.0772% | 4,648 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 44.2727% | 624 |
| Efficiency ratio | 54.4434% | 6,933 |
| Assets per employee ($millions) | 3.3634% | 5,396 |
| Cash dividends to net income (ytd only)* | 76.9231% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,498 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 6,902 |
| Noncurrent loans to loans | 0.3731% | 6,545 |
| Net loans and leases to total assets | 59.1756% | 5,261 |
| Net loans and leases to deposits | 71.8413% | 5,075 |
| Net loans and leases to core deposits | 75.8658% | 5,274 |
| Total domestic deposits to total assets | 82.3699% | 4,903 |
| Equity capital to assets | 8.3558% | 6,220 |
| Core capital (leverage) ratio | 8.3123% | 5,718 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,253 |
| Total risk-based capital ratio | 15.7828% | 3,326 |
| Memoranda: | ||
| Average total assets | $92,960,500 | 5,354 |
| Average earning assets | $88,906,000 | 5,195 |
| Average equity | $7,873,500 | 5,890 |
| Average total loans | $56,981,000 | 5,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 4,862 |
| Cost of funding earning assets | 1.1055% | 6,958 |
| Net interest margin | 4.2592% | 1,858 |
| Noninterest income to average assets | 0.6437% | 3,331 |
| Noninterest expense to average assets | 2.6780% | 5,491 |
| Loan and lease loss provision to assets | 0.0567% | 6,999 |
| Net operating income to assets | 1.3073% | 1,017 |
| Return on assets (ROA) | 1.3073% | 1,061 |
| Pretax return on assets | 1.9777% | 423 |
| Return on Equity (ROE) | 15.0046% | 670 |
| Retained earnings to average equity (ytd only) | 2.1180% | 3,625 |
| Net charge-offs to loans | 0.0332% | 6,795 |
| Credit loss provision to net charge-offs | 268.4211% | 1,300 |
| Earnings coverage of net charge-offs (x) | 96.3158% | 286 |
| Efficiency ratio | 56.8294% | 6,909 |
| Assets per employee ($millions) | 3.1637% | 5,813 |
| Cash dividends to net income (ytd only)* | 85.8844% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,553 |
| Loan loss allowance to noncurrent loans | 400.7194% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 7,097 |
| Noncurrent loans to loans | 0.2410% | 6,828 |
| Net loans and leases to total assets | 62.2549% | 4,936 |
| Net loans and leases to deposits | 75.4388% | 4,826 |
| Net loans and leases to core deposits | 89.2383% | 5,201 |
| Total domestic deposits to total assets | 82.5237% | 4,736 |
| Equity capital to assets | 8.5867% | 5,743 |
| Core capital (leverage) ratio | 8.2562% | 5,709 |
| Tier 1 risk-based capital ratio | 14.5451% | 3,179 |
| Total risk-based capital ratio | 15.6133% | 3,233 |
| Memoranda: | ||
| Average total assets | $89,954,000 | 5,393 |
| Average earning assets | $85,931,000 | 5,265 |
| Average equity | $7,837,600 | 5,986 |
| Average total loans | $57,227,000 | 5,374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 4,961 |
| Cost of funding earning assets | 1.1324% | 7,092 |
| Net interest margin | 4.2658% | 1,822 |
| Noninterest income to average assets | 0.6152% | 3,587 |
| Noninterest expense to average assets | 2.6143% | 5,663 |
| Loan and lease loss provision to assets | 0.0581% | 6,782 |
| Net operating income to assets | 1.3332% | 1,151 |
| Return on assets (ROA) | 1.3332% | 1,210 |
| Pretax return on assets | 2.0169% | 525 |
| Return on Equity (ROE) | 15.2450% | 740 |
| Retained earnings to average equity (ytd only) | 4.0029% | 3,036 |
| Net charge-offs to loans | 0.0140% | 6,720 |
| Credit loss provision to net charge-offs | 650.0000% | 573 |
| Earnings coverage of net charge-offs (x) | 232.1613% | 168 |
| Efficiency ratio | 55.7497% | 7,035 |
| Assets per employee ($millions) | 3.1132% | 5,873 |
| Cash dividends to net income (ytd only)* | 73.7434% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 6,549 |
| Loan loss allowance to noncurrent loans | 944.0678% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 7,400 |
| Noncurrent loans to loans | 0.1006% | 7,226 |
| Net loans and leases to total assets | 64.3521% | 4,789 |
| Net loans and leases to deposits | 79.5866% | 4,459 |
| Net loans and leases to core deposits | 94.9284% | 4,936 |
| Total domestic deposits to total assets | 80.8580% | 5,134 |
| Equity capital to assets | 8.8854% | 5,656 |
| Core capital (leverage) ratio | 8.5576% | 5,381 |
| Tier 1 risk-based capital ratio | 14.5086% | 3,278 |
| Total risk-based capital ratio | 15.5644% | 3,323 |
| Memoranda: | ||
| Average total assets | $89,505,750 | 5,437 |
| Average earning assets | $85,483,500 | 5,318 |
| Average equity | $7,827,500 | 6,038 |
| Average total loans | $57,115,250 | 5,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 4,842 |
| Cost of funding earning assets | 1.1410% | 7,270 |
| Net interest margin | 4.3195% | 1,600 |
| Noninterest income to average assets | 0.6028% | 3,667 |
| Noninterest expense to average assets | 2.6645% | 5,497 |
| Loan and lease loss provision to assets | 0.0583% | 6,638 |
| Net operating income to assets | 1.3199% | 1,188 |
| Return on assets (ROA) | 1.3199% | 1,257 |
| Pretax return on assets | 1.9945% | 579 |
| Return on Equity (ROE) | 15.1752% | 803 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,075 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4846% | 7,058 |
| Assets per employee ($millions) | 3.2910% | 5,346 |
| Cash dividends to net income (ytd only)* | 73.8540% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,398 |
| Loan loss allowance to noncurrent loans | 982.1429% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,437 |
| Noncurrent loans to loans | 0.0996% | 7,277 |
| Net loans and leases to total assets | 62.6688% | 5,239 |
| Net loans and leases to deposits | 79.5875% | 4,603 |
| Net loans and leases to core deposits | 91.9441% | 5,357 |
| Total domestic deposits to total assets | 78.7420% | 5,881 |
| Equity capital to assets | 8.7524% | 5,682 |
| Core capital (leverage) ratio | 8.5674% | 5,318 |
| Tier 1 risk-based capital ratio | 14.8627% | 3,081 |
| Total risk-based capital ratio | 15.9421% | 3,089 |
| Memoranda: | ||
| Average total assets | $89,246,670 | 5,486 |
| Average earning assets | $85,009,670 | 5,380 |
| Average equity | $7,762,670 | 6,101 |
| Average total loans | $56,601,670 | 5,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5250% | 4,785 |
| Cost of funding earning assets | 1.1323% | 7,457 |
| Net interest margin | 4.3928% | 1,361 |
| Noninterest income to average assets | 0.5680% | 3,775 |
| Noninterest expense to average assets | 2.5178% | 5,772 |
| Loan and lease loss provision to assets | 0.0581% | 6,233 |
| Net operating income to assets | 1.4400% | 1,059 |
| Return on assets (ROA) | 1.4400% | 1,139 |
| Pretax return on assets | 2.1735% | 461 |
| Return on Equity (ROE) | 16.6076% | 737 |
| Retained earnings to average equity (ytd only) | 4.4871% | 3,435 |
| Net charge-offs to loans | -0.0070% | 7,226 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0132% | 7,315 |
| Assets per employee ($millions) | 3.1321% | 5,801 |
| Cash dividends to net income (ytd only)* | 72.9814% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.0995% | 4,969 |
| Net loans and leases to deposits | 83.1531% | 4,108 |
| Net loans and leases to core deposits | 96.4749% | 4,909 |
| Total domestic deposits to total assets | 77.0861% | 6,255 |
| Equity capital to assets | 8.8805% | 5,512 |
| Core capital (leverage) ratio | 8.5558% | 5,419 |
| Tier 1 risk-based capital ratio | 14.7492% | 3,183 |
| Total risk-based capital ratio | 15.8065% | 3,209 |
| Memoranda: | ||
| Average total assets | $89,442,000 | 5,506 |
| Average earning assets | $85,140,000 | 5,391 |
| Average equity | $7,755,500 | 6,139 |
| Average total loans | $56,785,000 | 5,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9119% | 5,979 |
| Cost of funding earning assets | 1.7298% | 7,187 |
| Net interest margin | 4.1821% | 2,384 |
| Noninterest income to average assets | 0.6292% | 3,642 |
| Noninterest expense to average assets | 2.5146% | 5,948 |
| Loan and lease loss provision to assets | 0.0176% | 7,166 |
| Net operating income to assets | 1.3375% | 1,378 |
| Return on assets (ROA) | 1.3375% | 1,332 |
| Pretax return on assets | 2.0128% | 587 |
| Return on Equity (ROE) | 16.7005% | 673 |
| Retained earnings to average equity (ytd only) | 5.5257% | 1,754 |
| Net charge-offs to loans | 0.0245% | 6,498 |
| Credit loss provision to net charge-offs | 123.0769% | 4,360 |
| Earnings coverage of net charge-offs (x) | 142.2308% | 321 |
| Efficiency ratio | 55.3274% | 7,106 |
| Assets per employee ($millions) | 3.3773% | 5,006 |
| Cash dividends to net income (ytd only)* | 66.9130% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 6,551 |
| Loan loss allowance to noncurrent loans | 557.4468% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 7,168 |
| Noncurrent loans to loans | 0.1654% | 6,900 |
| Net loans and leases to total assets | 61.7354% | 5,660 |
| Net loans and leases to deposits | 85.7800% | 4,146 |
| Net loans and leases to core deposits | 98.4350% | 4,997 |
| Total domestic deposits to total assets | 71.9694% | 7,002 |
| Equity capital to assets | 8.4695% | 6,141 |
| Core capital (leverage) ratio | 8.0483% | 6,409 |
| Tier 1 risk-based capital ratio | 14.4372% | 3,329 |
| Total risk-based capital ratio | 15.4569% | 3,362 |
| Memoranda: | ||
| Average total assets | $91,068,600 | 5,318 |
| Average earning assets | $85,268,400 | 5,258 |
| Average equity | $7,293,200 | 6,353 |
| Average total loans | $52,994,200 | 5,578 |