Home > Peoples National Bank Leadville > Performance and Condition Ratios
Peoples National Bank Leadville, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8978% | 6,612 |
| Cost of funding earning assets | 0.3099% | 5,892 |
| Net interest margin | 2.5879% | 6,393 |
| Noninterest income to average assets | 0.7396% | 2,377 |
| Noninterest expense to average assets | 2.5508% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4830% | 4,763 |
| Return on assets (ROA) | 0.4830% | 4,918 |
| Pretax return on assets | 0.7094% | 4,539 |
| Return on Equity (ROE) | 5.3383% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.3383% | 3,033 |
| Net charge-offs to loans | -0.0109% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2407% | 2,569 |
| Assets per employee ($millions) | 6.6433% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 6,648 |
| Loan loss allowance to noncurrent loans | 145.6790% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 4,832 |
| Noncurrent loans to loans | 0.4470% | 5,304 |
| Net loans and leases to total assets | 67.7511% | 2,060 |
| Net loans and leases to deposits | 78.9298% | 2,225 |
| Net loans and leases to core deposits | 85.2580% | 2,187 |
| Total domestic deposits to total assets | 85.8371% | 3,617 |
| Equity capital to assets | 9.0694% | 5,407 |
| Core capital (leverage) ratio | 9.1177% | 4,695 |
| Tier 1 risk-based capital ratio | 21.0906% | 1,515 |
| Total risk-based capital ratio | 22.2543% | 1,510 |
| Memoranda: | ||
| Average total assets | $53,002,000 | 6,103 |
| Average earning assets | $51,625,000 | 6,002 |
| Average equity | $4,795,500 | 6,301 |
| Average total loans | $36,800,000 | 5,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 6,711 |
| Cost of funding earning assets | 0.3771% | 6,068 |
| Net interest margin | 2.7483% | 6,454 |
| Noninterest income to average assets | 0.7633% | 2,432 |
| Noninterest expense to average assets | 2.8019% | 4,013 |
| Loan and lease loss provision to assets | -0.0373% | 6,853 |
| Net operating income to assets | 0.4552% | 4,864 |
| Return on assets (ROA) | 0.5867% | 4,562 |
| Pretax return on assets | 0.8692% | 4,027 |
| Return on Equity (ROE) | 6.4125% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.4125% | 1,861 |
| Net charge-offs to loans | 0.0288% | 5,498 |
| Credit loss provision to net charge-offs | -211.1111% | 6,399 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 874 |
| Efficiency ratio | 81.5068% | 1,941 |
| Assets per employee ($millions) | 5.8731% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6317% | 6,717 |
| Loan loss allowance to noncurrent loans | 143.0303% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 4,060 |
| Noncurrent loans to loans | 0.4417% | 5,395 |
| Net loans and leases to total assets | 70.2278% | 1,803 |
| Net loans and leases to deposits | 82.8853% | 1,893 |
| Net loans and leases to core deposits | 89.6491% | 1,874 |
| Total domestic deposits to total assets | 84.7289% | 3,979 |
| Equity capital to assets | 9.0261% | 5,496 |
| Core capital (leverage) ratio | 9.0633% | 4,799 |
| Tier 1 risk-based capital ratio | 19.6331% | 1,776 |
| Total risk-based capital ratio | 20.7295% | 1,788 |
| Memoranda: | ||
| Average total assets | $50,965,400 | 6,186 |
| Average earning assets | $49,595,000 | 6,069 |
| Average equity | $4,662,800 | 6,397 |
| Average total loans | $31,276,600 | 5,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 6,816 |
| Cost of funding earning assets | 0.3906% | 6,170 |
| Net interest margin | 2.7718% | 6,550 |
| Noninterest income to average assets | 0.7710% | 2,371 |
| Noninterest expense to average assets | 2.7198% | 4,289 |
| Loan and lease loss provision to assets | -0.0502% | 6,997 |
| Net operating income to assets | 0.5360% | 4,679 |
| Return on assets (ROA) | 0.7130% | 4,098 |
| Pretax return on assets | 1.0642% | 3,482 |
| Return on Equity (ROE) | 7.7655% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.7655% | 1,718 |
| Net charge-offs to loans | 0.0448% | 5,027 |
| Credit loss provision to net charge-offs | -190.0000% | 6,328 |
| Earnings coverage of net charge-offs (x) | 28.4066% | 1,148 |
| Efficiency ratio | 78.3866% | 2,343 |
| Assets per employee ($millions) | 5.7167% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 6,764 |
| Loan loss allowance to noncurrent loans | 120.5128% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,120 |
| Noncurrent loans to loans | 0.5700% | 5,296 |
| Net loans and leases to total assets | 66.0330% | 2,644 |
| Net loans and leases to deposits | 76.4991% | 2,910 |
| Net loans and leases to core deposits | 83.3922% | 2,764 |
| Total domestic deposits to total assets | 86.3188% | 3,075 |
| Equity capital to assets | 9.2536% | 5,526 |
| Core capital (leverage) ratio | 9.0169% | 5,042 |
| Tier 1 risk-based capital ratio | 20.2566% | 1,695 |
| Total risk-based capital ratio | 21.3978% | 1,688 |
| Memoranda: | ||
| Average total assets | $50,492,250 | 6,272 |
| Average earning assets | $49,161,250 | 6,154 |
| Average equity | $4,635,750 | 6,478 |
| Average total loans | $29,756,500 | 6,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1188% | 6,922 |
| Cost of funding earning assets | 0.3847% | 6,353 |
| Net interest margin | 2.7340% | 6,668 |
| Noninterest income to average assets | 0.7654% | 2,350 |
| Noninterest expense to average assets | 2.6907% | 4,467 |
| Loan and lease loss provision to assets | -0.0399% | 7,063 |
| Net operating income to assets | 0.5182% | 4,730 |
| Return on assets (ROA) | 0.7853% | 3,706 |
| Pretax return on assets | 1.1759% | 3,028 |
| Return on Equity (ROE) | 8.5764% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.5764% | 1,421 |
| Net charge-offs to loans | 0.0778% | 4,371 |
| Credit loss provision to net charge-offs | -90.9091% | 6,059 |
| Earnings coverage of net charge-offs (x) | 16.8182% | 1,563 |
| Efficiency ratio | 78.4884% | 2,398 |
| Assets per employee ($millions) | 6.2079% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 6,694 |
| Loan loss allowance to noncurrent loans | 123.2323% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 4,066 |
| Noncurrent loans to loans | 0.6404% | 5,232 |
| Net loans and leases to total assets | 61.7663% | 3,487 |
| Net loans and leases to deposits | 68.4649% | 4,128 |
| Net loans and leases to core deposits | 74.5570% | 3,951 |
| Total domestic deposits to total assets | 90.2161% | 803 |
| Equity capital to assets | 9.4094% | 5,181 |
| Core capital (leverage) ratio | 9.0034% | 4,914 |
| Tier 1 risk-based capital ratio | 22.0837% | 1,278 |
| Total risk-based capital ratio | 23.3356% | 1,257 |
| Memoranda: | ||
| Average total assets | $50,173,000 | 6,321 |
| Average earning assets | $48,865,670 | 6,203 |
| Average equity | $4,594,000 | 6,515 |
| Average total loans | $28,272,330 | 6,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1087% | 6,996 |
| Cost of funding earning assets | 0.3988% | 6,418 |
| Net interest margin | 2.7099% | 6,755 |
| Noninterest income to average assets | 0.7853% | 2,234 |
| Noninterest expense to average assets | 2.6573% | 4,598 |
| Loan and lease loss provision to assets | -0.0793% | 7,170 |
| Net operating income to assets | 0.5711% | 4,488 |
| Return on assets (ROA) | 0.5711% | 4,711 |
| Pretax return on assets | 0.8487% | 4,235 |
| Return on Equity (ROE) | 6.3234% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.3234% | 2,785 |
| Net charge-offs to loans | -0.0148% | 6,077 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5463% | 2,561 |
| Assets per employee ($millions) | 7.2297% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,483 |
| Loan loss allowance to noncurrent loans | 64.3939% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 4,183 |
| Noncurrent loans to loans | 1.4404% | 3,952 |
| Net loans and leases to total assets | 53.8215% | 4,753 |
| Net loans and leases to deposits | 59.4340% | 5,224 |
| Net loans and leases to core deposits | 64.5787% | 5,051 |
| Total domestic deposits to total assets | 90.5568% | 774 |
| Equity capital to assets | 9.0776% | 5,389 |
| Core capital (leverage) ratio | 8.6837% | 5,326 |
| Tier 1 risk-based capital ratio | 21.2377% | 1,441 |
| Total risk-based capital ratio | 22.4882% | 1,415 |
| Memoranda: | ||
| Average total assets | $50,428,000 | 6,357 |
| Average earning assets | $49,153,000 | 6,236 |
| Average equity | $4,554,500 | 6,564 |
| Average total loans | $26,949,000 | 6,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8074% | 7,224 |
| Cost of funding earning assets | 0.4552% | 6,715 |
| Net interest margin | 2.3522% | 7,122 |
| Noninterest income to average assets | 0.7195% | 2,497 |
| Noninterest expense to average assets | 2.5784% | 5,175 |
| Loan and lease loss provision to assets | -0.2511% | 7,310 |
| Net operating income to assets | 0.4944% | 4,449 |
| Return on assets (ROA) | 0.7702% | 3,334 |
| Pretax return on assets | 1.0487% | 3,038 |
| Return on Equity (ROE) | 8.4573% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.4573% | 935 |
| Net charge-offs to loans | 0.1304% | 5,102 |
| Credit loss provision to net charge-offs | -566.6667% | 6,824 |
| Earnings coverage of net charge-offs (x) | 9.4762% | 1,974 |
| Efficiency ratio | 85.9958% | 1,567 |
| Assets per employee ($millions) | 7.1783% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,218 |
| Loan loss allowance to noncurrent loans | 130.6931% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 5,068 |
| Noncurrent loans to loans | 0.7650% | 5,163 |
| Net loans and leases to total assets | 52.0240% | 5,307 |
| Net loans and leases to deposits | 57.5134% | 5,755 |
| Net loans and leases to core deposits | 62.5218% | 5,592 |
| Total domestic deposits to total assets | 90.4553% | 744 |
| Equity capital to assets | 8.9854% | 5,565 |
| Core capital (leverage) ratio | 8.5074% | 5,545 |
| Tier 1 risk-based capital ratio | 23.5723% | 1,018 |
| Total risk-based capital ratio | 24.8290% | 998 |
| Memoranda: | ||
| Average total assets | $47,393,200 | 6,444 |
| Average earning assets | $45,913,800 | 6,335 |
| Average equity | $4,315,800 | 6,649 |
| Average total loans | $16,104,000 | 6,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7109% | 7,320 |
| Cost of funding earning assets | 0.4577% | 6,858 |
| Net interest margin | 2.2531% | 7,235 |
| Noninterest income to average assets | 0.7226% | 2,468 |
| Noninterest expense to average assets | 2.6249% | 4,991 |
| Loan and lease loss provision to assets | -0.3370% | 7,402 |
| Net operating income to assets | 0.4768% | 4,651 |
| Return on assets (ROA) | 0.7598% | 3,503 |
| Pretax return on assets | 0.9769% | 3,487 |
| Return on Equity (ROE) | 8.3136% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.3136% | 1,386 |
| Net charge-offs to loans | 0.1774% | 4,385 |
| Credit loss provision to net charge-offs | -655.5556% | 6,704 |
| Earnings coverage of net charge-offs (x) | 5.3888% | 2,799 |
| Efficiency ratio | 90.4528% | 1,141 |
| Assets per employee ($millions) | 7.1400% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,374 |
| Loan loss allowance to noncurrent loans | 128.2297% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,166 |
| Noncurrent loans to loans | 1.1228% | 4,667 |
| Net loans and leases to total assets | 36.7067% | 6,834 |
| Net loans and leases to deposits | 40.5454% | 6,963 |
| Net loans and leases to core deposits | 44.0734% | 6,919 |
| Total domestic deposits to total assets | 90.5322% | 625 |
| Equity capital to assets | 8.9336% | 5,829 |
| Core capital (leverage) ratio | 8.7996% | 5,265 |
| Tier 1 risk-based capital ratio | 26.5887% | 778 |
| Total risk-based capital ratio | 27.8492% | 750 |
| Memoranda: | ||
| Average total assets | $46,679,500 | 6,521 |
| Average earning assets | $45,150,750 | 6,416 |
| Average equity | $4,266,000 | 6,718 |
| Average total loans | $13,528,750 | 7,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5911% | 7,406 |
| Cost of funding earning assets | 0.4637% | 6,973 |
| Net interest margin | 2.1275% | 7,336 |
| Noninterest income to average assets | 0.7416% | 2,308 |
| Noninterest expense to average assets | 2.6328% | 5,069 |
| Loan and lease loss provision to assets | -0.3905% | 7,472 |
| Net operating income to assets | 0.3301% | 5,246 |
| Return on assets (ROA) | 0.5660% | 4,355 |
| Pretax return on assets | 0.9215% | 3,544 |
| Return on Equity (ROE) | 6.1433% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.1433% | 2,332 |
| Net charge-offs to loans | 0.3042% | 3,353 |
| Credit loss provision to net charge-offs | -494.4444% | 6,490 |
| Earnings coverage of net charge-offs (x) | 2.0556% | 3,829 |
| Efficiency ratio | 94.1915% | 967 |
| Assets per employee ($millions) | 5.6740% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1533% | 2,007 |
| Loan loss allowance to noncurrent loans | 140.7583% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 5,097 |
| Noncurrent loans to loans | 1.5298% | 4,126 |
| Net loans and leases to total assets | 29.7321% | 7,188 |
| Net loans and leases to deposits | 33.0760% | 7,249 |
| Net loans and leases to core deposits | 36.2883% | 7,213 |
| Total domestic deposits to total assets | 89.8903% | 1,023 |
| Equity capital to assets | 9.5634% | 4,719 |
| Core capital (leverage) ratio | 8.7171% | 5,196 |
| Tier 1 risk-based capital ratio | 30.0488% | 527 |
| Total risk-based capital ratio | 31.3158% | 519 |
| Memoranda: | ||
| Average total assets | $45,579,330 | 6,607 |
| Average earning assets | $43,996,000 | 6,509 |
| Average equity | $4,199,670 | 6,784 |
| Average total loans | $11,833,670 | 7,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5578% | 7,474 |
| Cost of funding earning assets | 0.4642% | 7,081 |
| Net interest margin | 2.0936% | 7,389 |
| Noninterest income to average assets | 0.6481% | 2,862 |
| Noninterest expense to average assets | 2.7938% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0788% | 6,438 |
| Return on assets (ROA) | -0.0788% | 6,457 |
| Pretax return on assets | -0.1314% | 6,476 |
| Return on Equity (ROE) | -0.8719% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.8719% | 5,956 |
| Net charge-offs to loans | 0.6633% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.8333% | 4,873 |
| Efficiency ratio | 104.9342% | 599 |
| Assets per employee ($millions) | 6.5963% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9608% | 199 |
| Loan loss allowance to noncurrent loans | 180.3738% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 1.6849% | 3,725 |
| Noncurrent loans to loans | 2.7503% | 2,747 |
| Net loans and leases to total assets | 16.0155% | 7,467 |
| Net loans and leases to deposits | 17.6656% | 7,481 |
| Net loans and leases to core deposits | 18.8379% | 7,470 |
| Total domestic deposits to total assets | 90.6592% | 780 |
| Equity capital to assets | 8.9531% | 5,277 |
| Core capital (leverage) ratio | 8.3601% | 5,702 |
| Tier 1 risk-based capital ratio | 30.1849% | 515 |
| Total risk-based capital ratio | 31.4628% | 506 |
| Memoranda: | ||
| Average total assets | $45,673,000 | 6,652 |
| Average earning assets | $43,943,500 | 6,561 |
| Average equity | $4,129,000 | 6,837 |
| Average total loans | $10,854,000 | 7,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 7,488 |
| Cost of funding earning assets | 0.8979% | 6,184 |
| Net interest margin | 2.1630% | 7,407 |
| Noninterest income to average assets | 0.7932% | 2,319 |
| Noninterest expense to average assets | 2.9575% | 4,009 |
| Loan and lease loss provision to assets | 0.1770% | 5,454 |
| Net operating income to assets | -0.2949% | 6,206 |
| Return on assets (ROA) | -0.0067% | 5,968 |
| Pretax return on assets | 0.1815% | 5,526 |
| Return on Equity (ROE) | -0.0728% | 5,971 |
| Retained earnings to average equity (ytd only) | -0.0728% | 5,610 |
| Net charge-offs to loans | 0.8755% | 2,441 |
| Credit loss provision to net charge-offs | 84.0426% | 5,383 |
| Earnings coverage of net charge-offs (x) | -0.4362% | 6,423 |
| Efficiency ratio | 103.2056% | 690 |
| Assets per employee ($millions) | 6.4531% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 955 |
| Loan loss allowance to noncurrent loans | 85.2321% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 2,972 |
| Noncurrent loans to loans | 3.4035% | 2,234 |
| Net loans and leases to total assets | 29.9367% | 7,359 |
| Net loans and leases to deposits | 33.0781% | 7,411 |
| Net loans and leases to core deposits | 34.4693% | 7,416 |
| Total domestic deposits to total assets | 90.5030% | 832 |
| Equity capital to assets | 9.1295% | 4,946 |
| Core capital (leverage) ratio | 8.4480% | 5,453 |
| Tier 1 risk-based capital ratio | 29.8429% | 514 |
| Total risk-based capital ratio | 31.1167% | 503 |
| Memoranda: | ||
| Average total assets | $44,632,000 | 6,711 |
| Average earning assets | $42,765,600 | 6,621 |
| Average equity | $4,121,800 | 6,950 |
| Average total loans | $10,737,000 | 7,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1237% | 7,608 |
| Cost of funding earning assets | 0.9828% | 6,022 |
| Net interest margin | 2.1409% | 7,538 |
| Noninterest income to average assets | 0.7611% | 2,445 |
| Noninterest expense to average assets | 2.9874% | 3,795 |
| Loan and lease loss provision to assets | 0.2367% | 4,709 |
| Net operating income to assets | -0.3276% | 6,455 |
| Return on assets (ROA) | -0.2187% | 6,399 |
| Pretax return on assets | -0.2757% | 6,391 |
| Return on Equity (ROE) | -2.3617% | 6,437 |
| Retained earnings to average equity (ytd only) | -2.3617% | 6,259 |
| Net charge-offs to loans | 1.0731% | 1,889 |
| Credit loss provision to net charge-offs | 98.7500% | 4,417 |
| Earnings coverage of net charge-offs (x) | -0.7375% | 6,400 |
| Efficiency ratio | 106.2900% | 597 |
| Assets per employee ($millions) | 5.7046% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4487% | 259 |
| Loan loss allowance to noncurrent loans | 38.0000% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 3.6462% | 1,953 |
| Noncurrent loans to loans | 11.7071% | 310 |
| Net loans and leases to total assets | 19.6726% | 7,625 |
| Net loans and leases to deposits | 21.7364% | 7,651 |
| Net loans and leases to core deposits | 22.4686% | 7,645 |
| Total domestic deposits to total assets | 90.5055% | 638 |
| Equity capital to assets | 9.1351% | 5,401 |
| Core capital (leverage) ratio | 7.8626% | 6,505 |
| Tier 1 risk-based capital ratio | 28.5805% | 590 |
| Total risk-based capital ratio | 29.8638% | 576 |
| Memoranda: | ||
| Average total assets | $44,497,000 | 6,795 |
| Average earning assets | $42,597,250 | 6,709 |
| Average equity | $4,121,250 | 7,041 |
| Average total loans | $9,939,500 | 7,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 7,690 |
| Cost of funding earning assets | 1.0144% | 6,076 |
| Net interest margin | 2.1189% | 7,610 |
| Noninterest income to average assets | 0.7843% | 2,210 |
| Noninterest expense to average assets | 3.0646% | 3,453 |
| Loan and lease loss provision to assets | 0.4533% | 3,055 |
| Net operating income to assets | -0.5083% | 6,660 |
| Return on assets (ROA) | -0.3581% | 6,569 |
| Pretax return on assets | -0.4987% | 6,588 |
| Return on Equity (ROE) | -3.8487% | 6,608 |
| Retained earnings to average equity (ytd only) | -3.8487% | 6,420 |
| Net charge-offs to loans | 1.6007% | 1,184 |
| Credit loss provision to net charge-offs | 123.4568% | 3,273 |
| Earnings coverage of net charge-offs (x) | -0.6914% | 6,067 |
| Efficiency ratio | 109.0323% | 566 |
| Assets per employee ($millions) | 4.9724% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5295% | 247 |
| Loan loss allowance to noncurrent loans | 39.4239% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 3.7428% | 1,867 |
| Noncurrent loans to loans | 11.4891% | 327 |
| Net loans and leases to total assets | 20.6292% | 7,680 |
| Net loans and leases to deposits | 22.8645% | 7,711 |
| Net loans and leases to core deposits | 23.0592% | 7,707 |
| Total domestic deposits to total assets | 90.2239% | 812 |
| Equity capital to assets | 9.3940% | 4,870 |
| Core capital (leverage) ratio | 8.2331% | 5,889 |
| Tier 1 risk-based capital ratio | 26.3662% | 746 |
| Total risk-based capital ratio | 27.6403% | 736 |
| Memoranda: | ||
| Average total assets | $44,117,000 | 6,858 |
| Average earning assets | $42,191,000 | 6,769 |
| Average equity | $4,105,330 | 7,078 |
| Average total loans | $10,120,670 | 7,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0400% | 7,798 |
| Cost of funding earning assets | 1.0229% | 6,267 |
| Net interest margin | 2.0171% | 7,715 |
| Noninterest income to average assets | 0.7945% | 2,049 |
| Noninterest expense to average assets | 3.1507% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4292% | 6,788 |
| Return on assets (ROA) | -0.0091% | 6,409 |
| Pretax return on assets | -0.0091% | 6,369 |
| Return on Equity (ROE) | -0.0986% | 6,419 |
| Retained earnings to average equity (ytd only) | -0.0986% | 5,858 |
| Net charge-offs to loans | 0.0773% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -23.5000% | 5,583 |
| Efficiency ratio | 115.7718% | 499 |
| Assets per employee ($millions) | 5.4826% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2787% | 296 |
| Loan loss allowance to noncurrent loans | 54.7244% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.0232% | 2,372 |
| Noncurrent loans to loans | 7.8186% | 706 |
| Net loans and leases to total assets | 21.2695% | 7,772 |
| Net loans and leases to deposits | 23.5118% | 7,807 |
| Net loans and leases to core deposits | 23.7144% | 7,804 |
| Total domestic deposits to total assets | 90.4631% | 753 |
| Equity capital to assets | 9.2064% | 4,981 |
| Core capital (leverage) ratio | 8.3933% | 5,576 |
| Tier 1 risk-based capital ratio | 25.8737% | 784 |
| Total risk-based capital ratio | 27.1484% | 770 |
| Memoranda: | ||
| Average total assets | $43,799,500 | 6,960 |
| Average earning assets | $41,841,500 | 6,865 |
| Average equity | $4,056,000 | 7,165 |
| Average total loans | $10,346,000 | 7,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 7,707 |
| Cost of funding earning assets | 1.1457% | 6,833 |
| Net interest margin | 2.8292% | 7,009 |
| Noninterest income to average assets | 0.7460% | 2,706 |
| Noninterest expense to average assets | 3.6603% | 2,003 |
| Loan and lease loss provision to assets | 0.1836% | 5,867 |
| Net operating income to assets | 0.3161% | 4,470 |
| Return on assets (ROA) | 1.1318% | 1,463 |
| Pretax return on assets | 0.4323% | 4,394 |
| Return on Equity (ROE) | 12.1386% | 1,127 |
| Retained earnings to average equity (ytd only) | 7.1535% | 917 |
| Net charge-offs to loans | -0.4961% | 7,947 |
| Credit loss provision to net charge-offs | -123.4375% | 7,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7757% | 913 |
| Assets per employee ($millions) | 5.4673% | 1,675 |
| Cash dividends to net income (ytd only)* | 41.0678% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8279% | 398 |
| Loan loss allowance to noncurrent loans | 53.9254% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 3.0637% | 2,274 |
| Noncurrent loans to loans | 7.0985% | 784 |
| Net loans and leases to total assets | 24.0683% | 7,805 |
| Net loans and leases to deposits | 26.6446% | 7,859 |
| Net loans and leases to core deposits | 28.5687% | 7,874 |
| Total domestic deposits to total assets | 90.3311% | 819 |
| Equity capital to assets | 9.3146% | 4,682 |
| Core capital (leverage) ratio | 8.4074% | 5,421 |
| Tier 1 risk-based capital ratio | 29.2892% | 565 |
| Total risk-based capital ratio | 30.5697% | 550 |
| Memoranda: | ||
| Average total assets | $43,029,000 | 6,990 |
| Average earning assets | $41,284,200 | 6,895 |
| Average equity | $4,012,000 | 7,289 |
| Average total loans | $12,899,800 | 7,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 7,707 |
| Cost of funding earning assets | 1.1822% | 6,938 |
| Net interest margin | 3.0446% | 6,477 |
| Noninterest income to average assets | 0.7250% | 2,851 |
| Noninterest expense to average assets | 3.6964% | 1,827 |
| Loan and lease loss provision to assets | 0.0716% | 6,640 |
| Net operating income to assets | 0.6534% | 3,389 |
| Return on assets (ROA) | 1.6366% | 669 |
| Pretax return on assets | 0.8650% | 3,337 |
| Return on Equity (ROE) | 17.5484% | 496 |
| Retained earnings to average equity (ytd only) | 10.8760% | 488 |
| Net charge-offs to loans | -0.9162% | 8,037 |
| Credit loss provision to net charge-offs | -25.0000% | 7,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2788% | 1,008 |
| Assets per employee ($millions) | 5.4084% | 1,700 |
| Cash dividends to net income (ytd only)* | 38.0226% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2768% | 516 |
| Loan loss allowance to noncurrent loans | 27.1777% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 3.5385% | 1,869 |
| Noncurrent loans to loans | 12.0568% | 269 |
| Net loans and leases to total assets | 26.6069% | 7,870 |
| Net loans and leases to deposits | 29.6411% | 7,913 |
| Net loans and leases to core deposits | 31.8125% | 7,940 |
| Total domestic deposits to total assets | 89.7636% | 861 |
| Equity capital to assets | 9.8274% | 4,316 |
| Core capital (leverage) ratio | 8.6359% | 5,247 |
| Tier 1 risk-based capital ratio | 29.2687% | 615 |
| Total risk-based capital ratio | 30.5402% | 599 |
| Memoranda: | ||
| Average total assets | $42,851,750 | 7,048 |
| Average earning assets | $41,165,000 | 6,954 |
| Average equity | $3,996,500 | 7,358 |
| Average total loans | $13,388,250 | 7,601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 7,726 |
| Cost of funding earning assets | 1.2217% | 7,042 |
| Net interest margin | 3.1569% | 6,074 |
| Noninterest income to average assets | 0.6181% | 3,548 |
| Noninterest expense to average assets | 3.7319% | 1,776 |
| Loan and lease loss provision to assets | -0.9365% | 8,190 |
| Net operating income to assets | 0.8475% | 2,663 |
| Return on assets (ROA) | 1.4984% | 898 |
| Pretax return on assets | 1.4984% | 1,449 |
| Return on Equity (ROE) | 16.3627% | 658 |
| Retained earnings to average equity (ytd only) | 6.1360% | 1,955 |
| Net charge-offs to loans | -1.3109% | 8,130 |
| Credit loss provision to net charge-offs | 219.7802% | 2,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4422% | 1,075 |
| Assets per employee ($millions) | 5.3300% | 1,739 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,960 |
| Loan loss allowance to noncurrent loans | 19.9519% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1764% | 2,966 |
| Noncurrent loans to loans | 6.0046% | 910 |
| Net loans and leases to total assets | 32.1060% | 7,841 |
| Net loans and leases to deposits | 35.5400% | 7,909 |
| Net loans and leases to core deposits | 38.2306% | 7,950 |
| Total domestic deposits to total assets | 90.3377% | 689 |
| Equity capital to assets | 9.2800% | 4,907 |
| Core capital (leverage) ratio | 8.6601% | 5,166 |
| Tier 1 risk-based capital ratio | 23.5048% | 1,086 |
| Total risk-based capital ratio | 24.6857% | 1,071 |
| Memoranda: | ||
| Average total assets | $42,713,330 | 7,103 |
| Average earning assets | $40,926,330 | 7,021 |
| Average equity | $3,911,330 | 7,449 |
| Average total loans | $13,883,670 | 7,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 7,693 |
| Cost of funding earning assets | 1.2805% | 7,078 |
| Net interest margin | 3.2453% | 5,708 |
| Noninterest income to average assets | 0.8047% | 2,299 |
| Noninterest expense to average assets | 3.8550% | 1,377 |
| Loan and lease loss provision to assets | -1.8713% | 8,245 |
| Net operating income to assets | 1.9275% | 400 |
| Return on assets (ROA) | 2.6199% | 131 |
| Pretax return on assets | 2.6199% | 206 |
| Return on Equity (ROE) | 28.8029% | 118 |
| Retained earnings to average equity (ytd only) | 8.2294% | 1,733 |
| Net charge-offs to loans | -4.4325% | 8,185 |
| Credit loss provision to net charge-offs | 129.8701% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5646% | 1,192 |
| Assets per employee ($millions) | 5.3548% | 1,690 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 2,233 |
| Loan loss allowance to noncurrent loans | 44.2308% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 3,688 |
| Noncurrent loans to loans | 3.7807% | 1,630 |
| Net loans and leases to total assets | 31.5701% | 7,877 |
| Net loans and leases to deposits | 35.0662% | 7,960 |
| Net loans and leases to core deposits | 38.0240% | 8,005 |
| Total domestic deposits to total assets | 90.0299% | 787 |
| Equity capital to assets | 9.5056% | 4,655 |
| Core capital (leverage) ratio | 8.6240% | 5,295 |
| Tier 1 risk-based capital ratio | 23.2346% | 1,165 |
| Total risk-based capital ratio | 24.4908% | 1,140 |
| Memoranda: | ||
| Average total assets | $42,750,000 | 7,141 |
| Average earning assets | $40,921,000 | 7,062 |
| Average equity | $3,888,500 | 7,492 |
| Average total loans | $13,897,500 | 7,698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 7,524 |
| Cost of funding earning assets | 1.6005% | 7,451 |
| Net interest margin | 3.7559% | 4,200 |
| Noninterest income to average assets | 0.8919% | 1,992 |
| Noninterest expense to average assets | 4.2689% | 1,080 |
| Loan and lease loss provision to assets | 0.6231% | 2,339 |
| Net operating income to assets | -0.4447% | 6,873 |
| Return on assets (ROA) | 0.1246% | 5,887 |
| Pretax return on assets | 0.1246% | 5,894 |
| Return on Equity (ROE) | 1.2506% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.2506% | 4,472 |
| Net charge-offs to loans | 1.6604% | 671 |
| Credit loss provision to net charge-offs | 119.1589% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.3411% | 6,026 |
| Efficiency ratio | 95.9890% | 1,156 |
| Assets per employee ($millions) | 5.3328% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 1,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,450 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.2676% | 7,935 |
| Net loans and leases to deposits | 35.5655% | 8,034 |
| Net loans and leases to core deposits | 39.2630% | 8,062 |
| Total domestic deposits to total assets | 90.7271% | 415 |
| Equity capital to assets | 8.6845% | 5,830 |
| Core capital (leverage) ratio | 8.2031% | 6,159 |
| Tier 1 risk-based capital ratio | 20.5385% | 1,529 |
| Total risk-based capital ratio | 21.7943% | 1,491 |
| Memoranda: | ||
| Average total assets | $40,924,000 | 7,176 |
| Average earning assets | $38,738,800 | 7,101 |
| Average equity | $4,078,000 | 7,486 |
| Average total loans | $12,888,600 | 7,779 |