Home > The First Bexley Bank > Performance and Condition Ratios
The First Bexley Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 902 |
| Cost of funding earning assets | 0.8796% | 478 |
| Net interest margin | 4.0254% | 1,743 |
| Noninterest income to average assets | 0.9105% | 1,464 |
| Noninterest expense to average assets | 3.3302% | 1,838 |
| Loan and lease loss provision to assets | 0.0341% | 3,606 |
| Net operating income to assets | 0.8909% | 2,857 |
| Return on assets (ROA) | 0.8909% | 2,955 |
| Pretax return on assets | 1.4757% | 1,618 |
| Return on Equity (ROE) | 11.7121% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.7121% | 456 |
| Net charge-offs to loans | 0.1589% | 2,121 |
| Credit loss provision to net charge-offs | 23.3766% | 3,146 |
| Earnings coverage of net charge-offs (x) | 10.3377% | 2,260 |
| Efficiency ratio | 68.8047% | 3,861 |
| Assets per employee ($millions) | 6.7431% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 5,284 |
| Loan loss allowance to noncurrent loans | 396.3885% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 5,101 |
| Noncurrent loans to loans | 0.2560% | 5,245 |
| Net loans and leases to total assets | 93.9582% | 7 |
| Net loans and leases to deposits | 118.0700% | 104 |
| Net loans and leases to core deposits | 143.4146% | 125 |
| Total domestic deposits to total assets | 79.5783% | 5,334 |
| Equity capital to assets | 7.5281% | 6,342 |
| Core capital (leverage) ratio | 7.7489% | 6,228 |
| Tier 1 risk-based capital ratio | 8.8711% | 6,542 |
| Total risk-based capital ratio | 10.0054% | 6,552 |
| Memoranda: | ||
| Average total assets | $316,320,670 | 2,067 |
| Average earning assets | $308,792,000 | 1,956 |
| Average equity | $24,060,670 | 2,751 |
| Average total loans | $290,717,000 | 1,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 1,065 |
| Cost of funding earning assets | 0.8967% | 462 |
| Net interest margin | 3.8949% | 2,105 |
| Noninterest income to average assets | 0.5781% | 2,865 |
| Noninterest expense to average assets | 2.7147% | 3,888 |
| Loan and lease loss provision to assets | 0.0453% | 3,197 |
| Net operating income to assets | 1.0748% | 1,916 |
| Return on assets (ROA) | 1.0748% | 1,985 |
| Pretax return on assets | 1.6270% | 1,119 |
| Return on Equity (ROE) | 14.0526% | 936 |
| Retained earnings to average equity (ytd only) | 14.0526% | 390 |
| Net charge-offs to loans | -0.0043% | 4,791 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8809% | 5,140 |
| Assets per employee ($millions) | 6.0709% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,696 |
| Loan loss allowance to noncurrent loans | 286.7511% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 4,752 |
| Noncurrent loans to loans | 0.4141% | 4,894 |
| Net loans and leases to total assets | 91.3345% | 28 |
| Net loans and leases to deposits | 103.2503% | 319 |
| Net loans and leases to core deposits | 124.8601% | 244 |
| Total domestic deposits to total assets | 88.4593% | 1,956 |
| Equity capital to assets | 7.7793% | 6,189 |
| Core capital (leverage) ratio | 7.8859% | 6,185 |
| Tier 1 risk-based capital ratio | 9.3430% | 6,574 |
| Total risk-based capital ratio | 10.5937% | 6,561 |
| Memoranda: | ||
| Average total assets | $309,274,000 | 2,116 |
| Average earning assets | $302,443,000 | 1,998 |
| Average equity | $23,654,000 | 2,782 |
| Average total loans | $279,258,500 | 1,533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 795 |
| Cost of funding earning assets | 1.0066% | 426 |
| Net interest margin | 4.0684% | 1,735 |
| Noninterest income to average assets | 1.3083% | 808 |
| Noninterest expense to average assets | 2.9568% | 3,174 |
| Loan and lease loss provision to assets | 0.3855% | 787 |
| Net operating income to assets | 1.2472% | 1,404 |
| Return on assets (ROA) | 1.2472% | 1,457 |
| Pretax return on assets | 1.9361% | 558 |
| Return on Equity (ROE) | 15.7233% | 655 |
| Retained earnings to average equity (ytd only) | 15.7233% | 152 |
| Net charge-offs to loans | 0.1878% | 2,961 |
| Credit loss provision to net charge-offs | 229.8475% | 993 |
| Earnings coverage of net charge-offs (x) | 13.8410% | 1,986 |
| Efficiency ratio | 56.0163% | 5,943 |
| Assets per employee ($millions) | 6.1786% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 4,480 |
| Loan loss allowance to noncurrent loans | 304.6238% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 4,937 |
| Noncurrent loans to loans | 0.4050% | 4,994 |
| Net loans and leases to total assets | 87.0654% | 115 |
| Net loans and leases to deposits | 94.9204% | 808 |
| Net loans and leases to core deposits | 113.9625% | 471 |
| Total domestic deposits to total assets | 91.7247% | 350 |
| Equity capital to assets | 7.5169% | 6,276 |
| Core capital (leverage) ratio | 7.6284% | 6,330 |
| Tier 1 risk-based capital ratio | 9.4712% | 6,605 |
| Total risk-based capital ratio | 10.7229% | 6,592 |
| Memoranda: | ||
| Average total assets | $273,643,600 | 2,321 |
| Average earning assets | $267,033,800 | 2,207 |
| Average equity | $21,706,600 | 2,957 |
| Average total loans | $244,396,200 | 1,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 711 |
| Cost of funding earning assets | 1.0303% | 426 |
| Net interest margin | 4.1207% | 1,569 |
| Noninterest income to average assets | 1.5124% | 634 |
| Noninterest expense to average assets | 2.8552% | 3,463 |
| Loan and lease loss provision to assets | 0.4617% | 612 |
| Net operating income to assets | 1.4606% | 964 |
| Return on assets (ROA) | 1.4606% | 1,016 |
| Pretax return on assets | 2.2128% | 373 |
| Return on Equity (ROE) | 18.1355% | 429 |
| Retained earnings to average equity (ytd only) | 18.1355% | 104 |
| Net charge-offs to loans | 0.2567% | 2,272 |
| Credit loss provision to net charge-offs | 200.6565% | 1,202 |
| Earnings coverage of net charge-offs (x) | 11.6236% | 2,216 |
| Efficiency ratio | 51.6343% | 6,283 |
| Assets per employee ($millions) | 5.6808% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 4,680 |
| Loan loss allowance to noncurrent loans | 219.2386% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 4,697 |
| Noncurrent loans to loans | 0.5671% | 4,792 |
| Net loans and leases to total assets | 86.7158% | 119 |
| Net loans and leases to deposits | 94.4815% | 798 |
| Net loans and leases to core deposits | 112.0304% | 504 |
| Total domestic deposits to total assets | 91.7807% | 291 |
| Equity capital to assets | 7.6895% | 6,309 |
| Core capital (leverage) ratio | 8.1022% | 6,149 |
| Tier 1 risk-based capital ratio | 9.6912% | 6,658 |
| Total risk-based capital ratio | 10.9429% | 6,639 |
| Memoranda: | ||
| Average total assets | $264,821,750 | 2,411 |
| Average earning assets | $258,171,500 | 2,270 |
| Average equity | $21,327,750 | 3,037 |
| Average total loans | $237,412,250 | 1,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 751 |
| Cost of funding earning assets | 1.0613% | 404 |
| Net interest margin | 4.0545% | 1,678 |
| Noninterest income to average assets | 1.6785% | 581 |
| Noninterest expense to average assets | 3.0067% | 2,980 |
| Loan and lease loss provision to assets | 0.3189% | 1,104 |
| Net operating income to assets | 1.5481% | 822 |
| Return on assets (ROA) | 1.5481% | 890 |
| Pretax return on assets | 2.3140% | 342 |
| Return on Equity (ROE) | 18.8926% | 393 |
| Retained earnings to average equity (ytd only) | 18.8926% | 108 |
| Net charge-offs to loans | 0.1182% | 3,185 |
| Credit loss provision to net charge-offs | 298.5294% | 869 |
| Earnings coverage of net charge-offs (x) | 24.6471% | 1,289 |
| Efficiency ratio | 53.3148% | 6,199 |
| Assets per employee ($millions) | 5.4307% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,878 |
| Loan loss allowance to noncurrent loans | 329.0672% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,188 |
| Noncurrent loans to loans | 0.3712% | 5,348 |
| Net loans and leases to total assets | 90.3490% | 35 |
| Net loans and leases to deposits | 98.8979% | 489 |
| Net loans and leases to core deposits | 114.1467% | 431 |
| Total domestic deposits to total assets | 91.3559% | 427 |
| Equity capital to assets | 8.0159% | 6,186 |
| Core capital (leverage) ratio | 8.0741% | 6,126 |
| Tier 1 risk-based capital ratio | 10.0472% | 6,624 |
| Total risk-based capital ratio | 11.2787% | 6,607 |
| Memoranda: | ||
| Average total assets | $254,627,670 | 2,510 |
| Average earning assets | $248,761,330 | 2,357 |
| Average equity | $20,865,330 | 3,105 |
| Average total loans | $230,087,330 | 1,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 701 |
| Cost of funding earning assets | 1.0514% | 468 |
| Net interest margin | 4.0825% | 1,510 |
| Noninterest income to average assets | 1.8914% | 462 |
| Noninterest expense to average assets | 2.9963% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9027% | 401 |
| Return on assets (ROA) | 1.9027% | 440 |
| Pretax return on assets | 2.8825% | 173 |
| Return on Equity (ROE) | 22.9439% | 168 |
| Retained earnings to average equity (ytd only) | 22.9439% | 85 |
| Net charge-offs to loans | 0.1213% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 26.4776% | 1,024 |
| Efficiency ratio | 50.9674% | 6,441 |
| Assets per employee ($millions) | 5.4671% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,342 |
| Loan loss allowance to noncurrent loans | 167.5155% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 4,854 |
| Noncurrent loans to loans | 0.6962% | 4,736 |
| Net loans and leases to total assets | 87.1002% | 93 |
| Net loans and leases to deposits | 95.1816% | 590 |
| Net loans and leases to core deposits | 109.0964% | 524 |
| Total domestic deposits to total assets | 91.5095% | 354 |
| Equity capital to assets | 8.0028% | 6,375 |
| Core capital (leverage) ratio | 8.5602% | 5,498 |
| Tier 1 risk-based capital ratio | 10.2664% | 6,646 |
| Total risk-based capital ratio | 11.5216% | 6,634 |
| Memoranda: | ||
| Average total assets | $246,173,000 | 2,620 |
| Average earning assets | $240,439,500 | 2,470 |
| Average equity | $20,415,000 | 3,209 |
| Average total loans | $220,948,500 | 1,860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 805 |
| Cost of funding earning assets | 1.1621% | 687 |
| Net interest margin | 4.2084% | 1,638 |
| Noninterest income to average assets | 1.8592% | 483 |
| Noninterest expense to average assets | 3.1526% | 2,756 |
| Loan and lease loss provision to assets | 0.8826% | 517 |
| Net operating income to assets | 1.2725% | 1,389 |
| Return on assets (ROA) | 1.2725% | 1,539 |
| Pretax return on assets | 1.9316% | 695 |
| Return on Equity (ROE) | 14.4734% | 905 |
| Retained earnings to average equity (ytd only) | 14.4734% | 181 |
| Net charge-offs to loans | 0.7180% | 1,642 |
| Credit loss provision to net charge-offs | 138.3122% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.4100% | 3,371 |
| Efficiency ratio | 52.8355% | 6,388 |
| Assets per employee ($millions) | 5.8955% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,568 |
| Loan loss allowance to noncurrent loans | 121.2281% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 4,050 |
| Noncurrent loans to loans | 1.0825% | 4,040 |
| Net loans and leases to total assets | 90.4064% | 37 |
| Net loans and leases to deposits | 99.6161% | 427 |
| Net loans and leases to core deposits | 107.3466% | 636 |
| Total domestic deposits to total assets | 90.7548% | 592 |
| Equity capital to assets | 8.6242% | 5,940 |
| Core capital (leverage) ratio | 8.6162% | 5,440 |
| Tier 1 risk-based capital ratio | 10.7613% | 6,445 |
| Total risk-based capital ratio | 12.0144% | 6,414 |
| Memoranda: | ||
| Average total assets | $209,823,600 | 2,926 |
| Average earning assets | $204,806,800 | 2,805 |
| Average equity | $18,447,600 | 3,414 |
| Average total loans | $186,501,200 | 2,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 890 |
| Cost of funding earning assets | 1.1729% | 787 |
| Net interest margin | 4.1939% | 1,757 |
| Noninterest income to average assets | 1.5267% | 637 |
| Noninterest expense to average assets | 2.9654% | 3,355 |
| Loan and lease loss provision to assets | 0.7806% | 619 |
| Net operating income to assets | 1.2396% | 1,606 |
| Return on assets (ROA) | 1.2396% | 1,775 |
| Pretax return on assets | 1.8802% | 911 |
| Return on Equity (ROE) | 14.0237% | 1,109 |
| Retained earnings to average equity (ytd only) | 14.0237% | 300 |
| Net charge-offs to loans | 0.7839% | 1,412 |
| Credit loss provision to net charge-offs | 113.0066% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.8520% | 3,491 |
| Efficiency ratio | 52.7077% | 6,382 |
| Assets per employee ($millions) | 5.4572% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,353 |
| Loan loss allowance to noncurrent loans | 112.5294% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 4,383 |
| Noncurrent loans to loans | 1.0524% | 4,334 |
| Net loans and leases to total assets | 89.0957% | 68 |
| Net loans and leases to deposits | 98.0459% | 538 |
| Net loans and leases to core deposits | 105.5550% | 766 |
| Total domestic deposits to total assets | 90.8713% | 442 |
| Equity capital to assets | 8.5231% | 6,240 |
| Core capital (leverage) ratio | 8.8107% | 5,331 |
| Tier 1 risk-based capital ratio | 10.6168% | 6,625 |
| Total risk-based capital ratio | 11.8676% | 6,615 |
| Memoranda: | ||
| Average total assets | $204,798,500 | 3,021 |
| Average earning assets | $200,188,250 | 2,862 |
| Average equity | $18,102,250 | 3,488 |
| Average total loans | $180,469,000 | 2,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 965 |
| Cost of funding earning assets | 1.1905% | 854 |
| Net interest margin | 4.1564% | 1,881 |
| Noninterest income to average assets | 1.2585% | 901 |
| Noninterest expense to average assets | 2.8476% | 3,840 |
| Loan and lease loss provision to assets | 0.5280% | 1,189 |
| Net operating income to assets | 1.2807% | 1,491 |
| Return on assets (ROA) | 1.2807% | 1,651 |
| Pretax return on assets | 1.9427% | 780 |
| Return on Equity (ROE) | 14.2972% | 1,051 |
| Retained earnings to average equity (ytd only) | 14.2972% | 323 |
| Net charge-offs to loans | 1.0382% | 1,055 |
| Credit loss provision to net charge-offs | 58.2222% | 3,848 |
| Earnings coverage of net charge-offs (x) | 2.7244% | 3,649 |
| Efficiency ratio | 53.5430% | 6,359 |
| Assets per employee ($millions) | 5.3478% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,219 |
| Loan loss allowance to noncurrent loans | 84.6119% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 4,308 |
| Noncurrent loans to loans | 1.1634% | 4,215 |
| Net loans and leases to total assets | 88.1676% | 75 |
| Net loans and leases to deposits | 97.0260% | 572 |
| Net loans and leases to core deposits | 106.2385% | 730 |
| Total domestic deposits to total assets | 90.8701% | 493 |
| Equity capital to assets | 8.6176% | 6,109 |
| Core capital (leverage) ratio | 9.0918% | 4,771 |
| Tier 1 risk-based capital ratio | 10.8119% | 6,574 |
| Total risk-based capital ratio | 11.9146% | 6,620 |
| Memoranda: | ||
| Average total assets | $198,482,670 | 3,096 |
| Average earning assets | $193,871,670 | 2,951 |
| Average equity | $17,779,670 | 3,529 |
| Average total loans | $173,379,670 | 2,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 913 |
| Cost of funding earning assets | 1.2079% | 951 |
| Net interest margin | 4.1921% | 1,780 |
| Noninterest income to average assets | 1.2371% | 931 |
| Noninterest expense to average assets | 2.9250% | 3,521 |
| Loan and lease loss provision to assets | 0.4361% | 1,433 |
| Net operating income to assets | 1.3000% | 1,461 |
| Return on assets (ROA) | 1.3000% | 1,628 |
| Pretax return on assets | 1.9731% | 773 |
| Return on Equity (ROE) | 14.2100% | 1,142 |
| Retained earnings to average equity (ytd only) | 14.2100% | 542 |
| Net charge-offs to loans | 0.1456% | 3,224 |
| Credit loss provision to net charge-offs | 346.6667% | 877 |
| Earnings coverage of net charge-offs (x) | 19.1500% | 1,236 |
| Efficiency ratio | 54.8349% | 6,252 |
| Assets per employee ($millions) | 5.0109% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,579 |
| Loan loss allowance to noncurrent loans | 97.4015% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 4,032 |
| Noncurrent loans to loans | 1.4442% | 3,946 |
| Net loans and leases to total assets | 86.0427% | 117 |
| Net loans and leases to deposits | 95.1726% | 587 |
| Net loans and leases to core deposits | 104.2138% | 759 |
| Total domestic deposits to total assets | 90.4071% | 861 |
| Equity capital to assets | 9.0971% | 5,361 |
| Core capital (leverage) ratio | 9.4801% | 4,082 |
| Tier 1 risk-based capital ratio | 11.8809% | 6,037 |
| Total risk-based capital ratio | 13.1353% | 6,025 |
| Memoranda: | ||
| Average total assets | $190,768,000 | 3,223 |
| Average earning assets | $186,445,000 | 3,060 |
| Average equity | $17,452,500 | 3,580 |
| Average total loans | $164,831,500 | 2,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 1,308 |
| Cost of funding earning assets | 1.4385% | 886 |
| Net interest margin | 4.0087% | 2,842 |
| Noninterest income to average assets | 0.7993% | 2,067 |
| Noninterest expense to average assets | 2.5269% | 5,368 |
| Loan and lease loss provision to assets | 0.4659% | 2,275 |
| Net operating income to assets | 1.1327% | 1,713 |
| Return on assets (ROA) | 1.1327% | 1,834 |
| Pretax return on assets | 1.7198% | 950 |
| Return on Equity (ROE) | 12.9780% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.9780% | 227 |
| Net charge-offs to loans | 0.1337% | 5,081 |
| Credit loss provision to net charge-offs | 423.7838% | 539 |
| Earnings coverage of net charge-offs (x) | 19.8811% | 1,154 |
| Efficiency ratio | 53.6192% | 6,549 |
| Assets per employee ($millions) | 5.0300% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 4,394 |
| Loan loss allowance to noncurrent loans | 95.4218% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 4,107 |
| Noncurrent loans to loans | 1.4826% | 3,925 |
| Net loans and leases to total assets | 84.2852% | 197 |
| Net loans and leases to deposits | 93.4827% | 850 |
| Net loans and leases to core deposits | 101.7666% | 1,048 |
| Total domestic deposits to total assets | 90.1612% | 902 |
| Equity capital to assets | 9.2026% | 5,280 |
| Core capital (leverage) ratio | 9.5468% | 3,949 |
| Tier 1 risk-based capital ratio | 12.3628% | 5,569 |
| Total risk-based capital ratio | 13.6176% | 5,534 |
| Memoranda: | ||
| Average total assets | $168,271,800 | 3,516 |
| Average earning assets | $164,268,600 | 3,328 |
| Average equity | $14,686,400 | 3,972 |
| Average total loans | $138,371,200 | 2,825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4295% | 1,432 |
| Cost of funding earning assets | 1.5041% | 845 |
| Net interest margin | 3.9254% | 3,246 |
| Noninterest income to average assets | 0.6438% | 2,922 |
| Noninterest expense to average assets | 2.5232% | 5,386 |
| Loan and lease loss provision to assets | 0.1766% | 4,266 |
| Net operating income to assets | 1.1712% | 1,743 |
| Return on assets (ROA) | 1.1712% | 1,857 |
| Pretax return on assets | 1.7760% | 1,000 |
| Return on Equity (ROE) | 13.6302% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.6302% | 320 |
| Net charge-offs to loans | 0.1432% | 4,633 |
| Credit loss provision to net charge-offs | 151.7483% | 2,051 |
| Earnings coverage of net charge-offs (x) | 16.7764% | 1,381 |
| Efficiency ratio | 56.3739% | 6,232 |
| Assets per employee ($millions) | 5.4012% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 5,516 |
| Loan loss allowance to noncurrent loans | 74.6863% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 4,135 |
| Noncurrent loans to loans | 1.5916% | 3,912 |
| Net loans and leases to total assets | 83.0129% | 288 |
| Net loans and leases to deposits | 92.5192% | 966 |
| Net loans and leases to core deposits | 102.1523% | 1,088 |
| Total domestic deposits to total assets | 89.7250% | 1,022 |
| Equity capital to assets | 9.6380% | 4,875 |
| Core capital (leverage) ratio | 9.6539% | 3,914 |
| Tier 1 risk-based capital ratio | 13.1284% | 5,004 |
| Total risk-based capital ratio | 14.3875% | 4,976 |
| Memoranda: | ||
| Average total assets | $163,812,000 | 3,610 |
| Average earning assets | $159,912,750 | 3,426 |
| Average equity | $14,076,250 | 4,110 |
| Average total loans | $133,185,250 | 2,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 1,574 |
| Cost of funding earning assets | 1.5591% | 817 |
| Net interest margin | 3.8379% | 3,598 |
| Noninterest income to average assets | 0.4863% | 3,968 |
| Noninterest expense to average assets | 2.4315% | 5,749 |
| Loan and lease loss provision to assets | 0.0920% | 5,170 |
| Net operating income to assets | 1.1268% | 1,798 |
| Return on assets (ROA) | 1.1268% | 1,875 |
| Pretax return on assets | 1.7102% | 1,035 |
| Return on Equity (ROE) | 13.7110% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.7110% | 337 |
| Net charge-offs to loans | 0.0232% | 5,511 |
| Credit loss provision to net charge-offs | 493.3333% | 627 |
| Earnings coverage of net charge-offs (x) | 96.6000% | 375 |
| Efficiency ratio | 57.4324% | 6,238 |
| Assets per employee ($millions) | 4.8409% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,269 |
| Loan loss allowance to noncurrent loans | 66.7317% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 3,854 |
| Noncurrent loans to loans | 1.8844% | 3,629 |
| Net loans and leases to total assets | 81.6303% | 399 |
| Net loans and leases to deposits | 89.6622% | 1,313 |
| Net loans and leases to core deposits | 96.5174% | 1,627 |
| Total domestic deposits to total assets | 91.0421% | 484 |
| Equity capital to assets | 8.3096% | 6,412 |
| Core capital (leverage) ratio | 8.2800% | 5,903 |
| Tier 1 risk-based capital ratio | 11.4703% | 6,187 |
| Total risk-based capital ratio | 12.7123% | 6,186 |
| Memoranda: | ||
| Average total assets | $160,803,670 | 3,674 |
| Average earning assets | $157,014,330 | 3,503 |
| Average equity | $13,215,670 | 4,290 |
| Average total loans | $129,179,330 | 3,050 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 1,852 |
| Cost of funding earning assets | 1.5884% | 851 |
| Net interest margin | 3.7174% | 4,007 |
| Noninterest income to average assets | 0.4783% | 4,063 |
| Noninterest expense to average assets | 2.4467% | 5,748 |
| Loan and lease loss provision to assets | 0.0529% | 5,342 |
| Net operating income to assets | 1.0648% | 1,961 |
| Return on assets (ROA) | 1.0648% | 2,012 |
| Pretax return on assets | 1.6135% | 1,156 |
| Return on Equity (ROE) | 13.0304% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.0304% | 583 |
| Net charge-offs to loans | 0.0477% | 4,463 |
| Credit loss provision to net charge-offs | 140.0000% | 2,002 |
| Earnings coverage of net charge-offs (x) | 44.1333% | 631 |
| Efficiency ratio | 59.4859% | 6,058 |
| Assets per employee ($millions) | 4.5946% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 5,141 |
| Loan loss allowance to noncurrent loans | 76.5820% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 4,209 |
| Noncurrent loans to loans | 1.6946% | 3,947 |
| Net loans and leases to total assets | 80.7221% | 450 |
| Net loans and leases to deposits | 88.7809% | 1,378 |
| Net loans and leases to core deposits | 96.4502% | 1,640 |
| Total domestic deposits to total assets | 90.9228% | 666 |
| Equity capital to assets | 8.4461% | 5,987 |
| Core capital (leverage) ratio | 8.2340% | 5,930 |
| Tier 1 risk-based capital ratio | 11.7466% | 5,898 |
| Total risk-based capital ratio | 12.9789% | 5,917 |
| Memoranda: | ||
| Average total assets | $158,909,500 | 3,726 |
| Average earning assets | $155,376,500 | 3,554 |
| Average equity | $12,985,000 | 4,341 |
| Average total loans | $125,735,000 | 3,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6846% | 1,627 |
| Cost of funding earning assets | 1.9811% | 649 |
| Net interest margin | 3.7035% | 4,327 |
| Noninterest income to average assets | 0.9568% | 1,647 |
| Noninterest expense to average assets | 2.7091% | 4,948 |
| Loan and lease loss provision to assets | 0.7426% | 2,209 |
| Net operating income to assets | 0.7342% | 3,076 |
| Return on assets (ROA) | 0.7342% | 3,203 |
| Pretax return on assets | 1.1168% | 2,517 |
| Return on Equity (ROE) | 8.6106% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.6106% | 814 |
| Net charge-offs to loans | 0.6530% | 3,048 |
| Credit loss provision to net charge-offs | 138.6842% | 2,747 |
| Earnings coverage of net charge-offs (x) | 3.4724% | 3,341 |
| Efficiency ratio | 59.2998% | 6,149 |
| Assets per employee ($millions) | 5.7716% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,824 |
| Loan loss allowance to noncurrent loans | 76.3048% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3397% | 4,338 |
| Noncurrent loans to loans | 1.7500% | 3,881 |
| Net loans and leases to total assets | 75.5303% | 1,367 |
| Net loans and leases to deposits | 83.1437% | 2,594 |
| Net loans and leases to core deposits | 90.1131% | 2,752 |
| Total domestic deposits to total assets | 90.8430% | 673 |
| Equity capital to assets | 7.9057% | 6,580 |
| Core capital (leverage) ratio | 8.1636% | 5,887 |
| Tier 1 risk-based capital ratio | 11.7566% | 5,686 |
| Total risk-based capital ratio | 13.0068% | 5,689 |
| Memoranda: | ||
| Average total assets | $141,929,400 | 4,023 |
| Average earning assets | $138,410,000 | 3,848 |
| Average equity | $12,101,400 | 4,576 |
| Average total loans | $116,379,600 | 3,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 1,504 |
| Cost of funding earning assets | 2.0650% | 603 |
| Net interest margin | 3.6974% | 4,407 |
| Noninterest income to average assets | 0.6267% | 3,275 |
| Noninterest expense to average assets | 2.4056% | 6,018 |
| Loan and lease loss provision to assets | 0.9001% | 1,689 |
| Net operating income to assets | 0.6072% | 3,854 |
| Return on assets (ROA) | 0.6072% | 4,014 |
| Pretax return on assets | 0.9225% | 3,481 |
| Return on Equity (ROE) | 6.9722% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.9722% | 1,863 |
| Net charge-offs to loans | 0.8835% | 2,235 |
| Credit loss provision to net charge-offs | 121.8709% | 3,373 |
| Earnings coverage of net charge-offs (x) | 2.4677% | 3,934 |
| Efficiency ratio | 56.8930% | 6,426 |
| Assets per employee ($millions) | 5.9862% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,337 |
| Loan loss allowance to noncurrent loans | 80.7203% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 4,628 |
| Noncurrent loans to loans | 1.5255% | 4,350 |
| Net loans and leases to total assets | 81.6805% | 540 |
| Net loans and leases to deposits | 90.3333% | 1,679 |
| Net loans and leases to core deposits | 96.6867% | 2,180 |
| Total domestic deposits to total assets | 90.4213% | 673 |
| Equity capital to assets | 8.2677% | 6,542 |
| Core capital (leverage) ratio | 8.6218% | 5,311 |
| Tier 1 risk-based capital ratio | 11.2757% | 6,121 |
| Total risk-based capital ratio | 12.5277% | 6,116 |
| Memoranda: | ||
| Average total assets | $137,010,750 | 4,163 |
| Average earning assets | $133,459,250 | 3,997 |
| Average equity | $11,932,750 | 4,698 |
| Average total loans | $114,546,500 | 3,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 1,518 |
| Cost of funding earning assets | 2.1209% | 614 |
| Net interest margin | 3.6442% | 4,609 |
| Noninterest income to average assets | 0.5407% | 3,786 |
| Noninterest expense to average assets | 2.3570% | 6,191 |
| Loan and lease loss provision to assets | 1.2771% | 1,088 |
| Net operating income to assets | 0.4518% | 4,547 |
| Return on assets (ROA) | 0.4518% | 4,703 |
| Pretax return on assets | 0.4518% | 5,057 |
| Return on Equity (ROE) | 5.0908% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.0908% | 2,854 |
| Net charge-offs to loans | 1.3546% | 1,406 |
| Credit loss provision to net charge-offs | 112.3179% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.5205% | 4,350 |
| Efficiency ratio | 57.6852% | 6,421 |
| Assets per employee ($millions) | 5.6871% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,230 |
| Loan loss allowance to noncurrent loans | 79.5941% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 4,481 |
| Noncurrent loans to loans | 1.5591% | 4,378 |
| Net loans and leases to total assets | 84.6011% | 313 |
| Net loans and leases to deposits | 94.1867% | 1,251 |
| Net loans and leases to core deposits | 101.0316% | 1,916 |
| Total domestic deposits to total assets | 89.8227% | 1,007 |
| Equity capital to assets | 8.8549% | 5,665 |
| Core capital (leverage) ratio | 8.9243% | 4,717 |
| Tier 1 risk-based capital ratio | 11.8250% | 5,463 |
| Total risk-based capital ratio | 13.0864% | 5,426 |
| Memoranda: | ||
| Average total assets | $132,796,000 | 4,283 |
| Average earning assets | $129,193,000 | 4,107 |
| Average equity | $11,786,000 | 4,735 |
| Average total loans | $111,474,330 | 3,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7404% | 1,635 |
| Cost of funding earning assets | 2.1511% | 685 |
| Net interest margin | 3.5893% | 4,777 |
| Noninterest income to average assets | 0.5437% | 3,694 |
| Noninterest expense to average assets | 2.3337% | 6,296 |
| Loan and lease loss provision to assets | 2.2329% | 482 |
| Net operating income to assets | -0.5315% | 6,849 |
| Return on assets (ROA) | -0.5315% | 6,881 |
| Pretax return on assets | -0.5315% | 6,809 |
| Return on Equity (ROE) | -5.9814% | 6,940 |
| Retained earnings to average equity (ytd only) | -5.9814% | 6,661 |
| Net charge-offs to loans | 2.7770% | 577 |
| Credit loss provision to net charge-offs | 96.8212% | 3,508 |
| Earnings coverage of net charge-offs (x) | 0.7377% | 4,368 |
| Efficiency ratio | 57.8350% | 6,513 |
| Assets per employee ($millions) | 6.0049% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 5,367 |
| Loan loss allowance to noncurrent loans | 100.1502% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 5,137 |
| Noncurrent loans to loans | 1.2228% | 4,928 |
| Net loans and leases to total assets | 81.4469% | 656 |
| Net loans and leases to deposits | 90.6553% | 1,806 |
| Net loans and leases to core deposits | 96.4355% | 2,537 |
| Total domestic deposits to total assets | 89.8423% | 1,071 |
| Equity capital to assets | 8.7853% | 5,577 |
| Core capital (leverage) ratio | 9.0732% | 4,431 |
| Tier 1 risk-based capital ratio | 11.5347% | 5,640 |
| Total risk-based capital ratio | 12.7953% | 5,605 |
| Memoranda: | ||
| Average total assets | $130,949,000 | 4,385 |
| Average earning assets | $127,377,500 | 4,202 |
| Average equity | $11,636,000 | 4,806 |
| Average total loans | $108,750,000 | 3,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 2,830 |
| Cost of funding earning assets | 2.6853% | 618 |
| Net interest margin | 3.0728% | 6,458 |
| Noninterest income to average assets | 0.8434% | 2,211 |
| Noninterest expense to average assets | 2.6459% | 5,612 |
| Loan and lease loss provision to assets | 0.7165% | 2,963 |
| Net operating income to assets | 0.4800% | 3,812 |
| Return on assets (ROA) | 0.5026% | 3,813 |
| Pretax return on assets | 0.5026% | 4,175 |
| Return on Equity (ROE) | 5.2653% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.2653% | 1,691 |
| Net charge-offs to loans | 0.4463% | 4,002 |
| Credit loss provision to net charge-offs | 202.4570% | 1,916 |
| Earnings coverage of net charge-offs (x) | 3.3808% | 3,368 |
| Efficiency ratio | 68.8617% | 4,853 |
| Assets per employee ($millions) | 6.4896% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,044 |
| Loan loss allowance to noncurrent loans | 101.9520% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 5,052 |
| Noncurrent loans to loans | 1.2269% | 4,895 |
| Net loans and leases to total assets | 82.6028% | 593 |
| Net loans and leases to deposits | 92.2404% | 1,861 |
| Net loans and leases to core deposits | 140.7948% | 781 |
| Total domestic deposits to total assets | 89.5517% | 1,184 |
| Equity capital to assets | 8.9883% | 5,167 |
| Core capital (leverage) ratio | 9.2112% | 4,100 |
| Tier 1 risk-based capital ratio | 11.3215% | 5,598 |
| Total risk-based capital ratio | 12.5718% | 5,535 |
| Memoranda: | ||
| Average total assets | $115,006,000 | 4,700 |
| Average earning assets | $112,241,800 | 4,504 |
| Average equity | $10,977,600 | 5,029 |
| Average total loans | $91,196,200 | 4,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 3,470 |
| Cost of funding earning assets | 2.7751% | 638 |
| Net interest margin | 2.8955% | 6,873 |
| Noninterest income to average assets | 0.8421% | 2,236 |
| Noninterest expense to average assets | 2.7023% | 5,315 |
| Loan and lease loss provision to assets | 0.4911% | 3,447 |
| Net operating income to assets | 0.4731% | 4,107 |
| Return on assets (ROA) | 0.4731% | 4,207 |
| Pretax return on assets | 0.4731% | 4,603 |
| Return on Equity (ROE) | 4.8739% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.8739% | 2,568 |
| Net charge-offs to loans | 0.1259% | 5,437 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 9.8172% | 2,056 |
| Efficiency ratio | 73.7014% | 3,919 |
| Assets per employee ($millions) | 6.2956% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,820 |
| Loan loss allowance to noncurrent loans | 76.7231% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 4,334 |
| Noncurrent loans to loans | 1.6301% | 4,196 |
| Net loans and leases to total assets | 79.5768% | 1,265 |
| Net loans and leases to deposits | 88.9295% | 2,795 |
| Net loans and leases to core deposits | 138.8564% | 974 |
| Total domestic deposits to total assets | 89.4830% | 977 |
| Equity capital to assets | 9.0643% | 5,394 |
| Core capital (leverage) ratio | 9.4624% | 3,963 |
| Tier 1 risk-based capital ratio | 11.5975% | 5,345 |
| Total risk-based capital ratio | 12.8476% | 5,281 |
| Memoranda: | ||
| Average total assets | $111,309,750 | 4,820 |
| Average earning assets | $108,581,250 | 4,634 |
| Average equity | $10,805,500 | 5,111 |
| Average total loans | $86,853,000 | 4,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 4,224 |
| Cost of funding earning assets | 2.8801% | 638 |
| Net interest margin | 2.6885% | 7,225 |
| Noninterest income to average assets | 0.9263% | 1,866 |
| Noninterest expense to average assets | 2.8579% | 4,694 |
| Loan and lease loss provision to assets | 0.5186% | 2,951 |
| Net operating income to assets | 0.1860% | 5,317 |
| Return on assets (ROA) | 0.1860% | 5,395 |
| Pretax return on assets | 0.1860% | 5,504 |
| Return on Equity (ROE) | 1.8674% | 5,349 |
| Retained earnings to average equity (ytd only) | 1.8674% | 4,306 |
| Net charge-offs to loans | 0.2049% | 4,245 |
| Credit loss provision to net charge-offs | 328.5714% | 1,416 |
| Earnings coverage of net charge-offs (x) | 4.4643% | 3,089 |
| Efficiency ratio | 80.2215% | 3,010 |
| Assets per employee ($millions) | 5.9158% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,599 |
| Loan loss allowance to noncurrent loans | 71.3476% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 4,150 |
| Noncurrent loans to loans | 1.7521% | 3,882 |
| Net loans and leases to total assets | 75.6457% | 2,275 |
| Net loans and leases to deposits | 84.5673% | 3,782 |
| Net loans and leases to core deposits | 129.8678% | 1,580 |
| Total domestic deposits to total assets | 89.4503% | 1,064 |
| Equity capital to assets | 9.2287% | 4,966 |
| Core capital (leverage) ratio | 9.7672% | 3,557 |
| Tier 1 risk-based capital ratio | 11.3727% | 5,531 |
| Total risk-based capital ratio | 12.5051% | 5,551 |
| Memoranda: | ||
| Average total assets | $106,442,670 | 4,976 |
| Average earning assets | $104,369,670 | 4,779 |
| Average equity | $10,603,000 | 5,185 |
| Average total loans | $81,982,330 | 4,527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 4,215 |
| Cost of funding earning assets | 2.9703% | 648 |
| Net interest margin | 2.6542% | 7,289 |
| Noninterest income to average assets | 0.8000% | 2,324 |
| Noninterest expense to average assets | 2.8257% | 4,443 |
| Loan and lease loss provision to assets | 0.4378% | 2,735 |
| Net operating income to assets | 0.1433% | 5,844 |
| Return on assets (ROA) | 0.1433% | 6,014 |
| Pretax return on assets | 0.1433% | 6,067 |
| Return on Equity (ROE) | 1.3787% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.3787% | 5,083 |
| Net charge-offs to loans | 0.2575% | 3,120 |
| Credit loss provision to net charge-offs | 220.0000% | 2,053 |
| Earnings coverage of net charge-offs (x) | 2.9200% | 3,336 |
| Efficiency ratio | 82.9439% | 2,416 |
| Assets per employee ($millions) | 6.8299% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,421 |
| Loan loss allowance to noncurrent loans | 2,327.9070% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,294 |
| Noncurrent loans to loans | 0.0537% | 7,385 |
| Net loans and leases to total assets | 72.2984% | 3,179 |
| Net loans and leases to deposits | 80.8727% | 4,477 |
| Net loans and leases to core deposits | 126.3202% | 1,897 |
| Total domestic deposits to total assets | 89.3978% | 1,055 |
| Equity capital to assets | 9.4218% | 4,781 |
| Core capital (leverage) ratio | 11.0232% | 2,483 |
| Tier 1 risk-based capital ratio | 12.8073% | 4,319 |
| Total risk-based capital ratio | 13.9653% | 4,298 |
| Memoranda: | ||
| Average total assets | $100,506,000 | 5,166 |
| Average earning assets | $98,710,000 | 4,955 |
| Average equity | $10,445,000 | 5,244 |
| Average total loans | $77,656,500 | 4,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8442% | 6,280 |
| Cost of funding earning assets | 2.8327% | 2,570 |
| Net interest margin | 3.0114% | 6,881 |
| Noninterest income to average assets | 0.1000% | 7,635 |
| Noninterest expense to average assets | 2.3273% | 6,621 |
| Loan and lease loss provision to assets | 0.5781% | 2,511 |
| Net operating income to assets | 0.1310% | 6,023 |
| Return on assets (ROA) | -0.4201% | 6,721 |
| Pretax return on assets | -0.4201% | 6,564 |
| Return on Equity (ROE) | -2.8398% | 6,598 |
| Retained earnings to average equity (ytd only) | -2.8398% | 6,063 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6459% | 3,128 |
| Assets per employee ($millions) | 6.1155% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 4,151 |
| Loan loss allowance to noncurrent loans | 2,767.6471% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 7,224 |
| Noncurrent loans to loans | 0.0451% | 7,325 |
| Net loans and leases to total assets | 81.0657% | 1,420 |
| Net loans and leases to deposits | 92.7590% | 3,005 |
| Net loans and leases to core deposits | 146.9702% | 982 |
| Total domestic deposits to total assets | 87.3938% | 1,758 |
| Equity capital to assets | 11.5487% | 2,605 |
| Core capital (leverage) ratio | 12.7723% | 1,633 |
| Tier 1 risk-based capital ratio | 14.9223% | 3,080 |
| Total risk-based capital ratio | 16.1788% | 2,993 |
| Memoranda: | ||
| Average total assets | $74,033,000 | 5,914 |
| Average earning assets | $72,191,800 | 5,733 |
| Average equity | $10,951,400 | 5,137 |
| Average total loans | $52,857,800 | 5,590 |