Home > The First National Bank in Wellington > Performance and Condition Ratios
The First National Bank in Wellington, Performance and Condition Ratios
| 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 | 4.1699% | 5,211 |
| Cost of funding earning assets | 0.6594% | 4,642 |
| Net interest margin | 3.5105% | 4,640 |
| Noninterest income to average assets | 0.4138% | 4,566 |
| Noninterest expense to average assets | 3.7287% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0489% | 6,330 |
| Return on assets (ROA) | 0.0489% | 6,449 |
| Pretax return on assets | 0.0489% | 6,453 |
| Return on Equity (ROE) | 0.4975% | 6,443 |
| Retained earnings to average equity (ytd only) | -4.2969% | 6,533 |
| Net charge-offs to loans | 0.0296% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,080 |
| Efficiency ratio | 98.7044% | 603 |
| Assets per employee ($millions) | 3.9265% | 4,154 |
| Cash dividends to net income (ytd only)* | 963.6364% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 3,163 |
| Loan loss allowance to noncurrent loans | 785.7143% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,287 |
| Noncurrent loans to loans | 0.2228% | 6,243 |
| Net loans and leases to total assets | 58.1094% | 4,014 |
| Net loans and leases to deposits | 65.4960% | 4,434 |
| Net loans and leases to core deposits | 68.5360% | 4,622 |
| Total domestic deposits to total assets | 88.7221% | 1,873 |
| Equity capital to assets | 9.7809% | 4,412 |
| Core capital (leverage) ratio | 8.8616% | 5,046 |
| Tier 1 risk-based capital ratio | 14.9439% | 3,795 |
| Total risk-based capital ratio | 16.2002% | 3,748 |
| Memoranda: | ||
| Average total assets | $89,896,500 | 5,213 |
| Average earning assets | $86,142,000 | 5,076 |
| Average equity | $8,843,500 | 5,328 |
| Average total loans | $54,039,000 | 5,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 4,277 |
| Cost of funding earning assets | 0.7959% | 4,900 |
| Net interest margin | 3.8965% | 3,352 |
| Noninterest income to average assets | 0.4881% | 3,938 |
| Noninterest expense to average assets | 3.0067% | 3,564 |
| Loan and lease loss provision to assets | 0.2894% | 3,353 |
| Net operating income to assets | 0.8806% | 2,686 |
| Return on assets (ROA) | 0.9035% | 2,718 |
| Pretax return on assets | 0.9443% | 3,449 |
| Return on Equity (ROE) | 10.0956% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.0956% | 543 |
| Net charge-offs to loans | 0.4855% | 3,054 |
| Credit loss provision to net charge-offs | 90.4255% | 3,988 |
| Earnings coverage of net charge-offs (x) | 3.7801% | 3,392 |
| Efficiency ratio | 71.3055% | 3,731 |
| Assets per employee ($millions) | 3.8906% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 3,133 |
| Loan loss allowance to noncurrent loans | 647.5862% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 6,422 |
| Noncurrent loans to loans | 0.2653% | 6,192 |
| Net loans and leases to total assets | 60.0398% | 3,982 |
| Net loans and leases to deposits | 69.0912% | 4,262 |
| Net loans and leases to core deposits | 72.6351% | 4,417 |
| Total domestic deposits to total assets | 86.8993% | 2,818 |
| Equity capital to assets | 9.8945% | 4,313 |
| Core capital (leverage) ratio | 8.8216% | 5,067 |
| Tier 1 risk-based capital ratio | 14.9406% | 3,676 |
| Total risk-based capital ratio | 16.1967% | 3,631 |
| Memoranda: | ||
| Average total assets | $88,104,400 | 5,234 |
| Average earning assets | $84,307,400 | 5,110 |
| Average equity | $7,884,600 | 5,605 |
| Average total loans | $58,088,800 | 4,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 4,231 |
| Cost of funding earning assets | 0.8269% | 4,965 |
| Net interest margin | 3.9217% | 3,266 |
| Noninterest income to average assets | 0.5029% | 3,853 |
| Noninterest expense to average assets | 3.0066% | 3,532 |
| Loan and lease loss provision to assets | 0.3874% | 2,535 |
| Net operating income to assets | 0.8258% | 3,041 |
| Return on assets (ROA) | 0.8447% | 3,110 |
| Pretax return on assets | 0.8827% | 3,834 |
| Return on Equity (ROE) | 9.7002% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.7002% | 926 |
| Net charge-offs to loans | 0.6153% | 2,406 |
| Credit loss provision to net charge-offs | 93.7500% | 3,635 |
| Earnings coverage of net charge-offs (x) | 3.0257% | 3,621 |
| Efficiency ratio | 70.6281% | 3,828 |
| Assets per employee ($millions) | 3.9430% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,319 |
| Loan loss allowance to noncurrent loans | 88.3613% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 4,405 |
| Noncurrent loans to loans | 1.9068% | 3,492 |
| Net loans and leases to total assets | 61.0625% | 3,931 |
| Net loans and leases to deposits | 70.1072% | 4,284 |
| Net loans and leases to core deposits | 75.1455% | 4,303 |
| Total domestic deposits to total assets | 87.0988% | 2,594 |
| Equity capital to assets | 9.5094% | 5,068 |
| Core capital (leverage) ratio | 8.6577% | 5,478 |
| Tier 1 risk-based capital ratio | 14.0518% | 4,320 |
| Total risk-based capital ratio | 15.3098% | 4,285 |
| Memoranda: | ||
| Average total assets | $87,759,500 | 5,278 |
| Average earning assets | $84,008,000 | 5,160 |
| Average equity | $7,642,250 | 5,709 |
| Average total loans | $58,944,750 | 4,945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 3,889 |
| Cost of funding earning assets | 0.8653% | 4,948 |
| Net interest margin | 3.9794% | 2,943 |
| Noninterest income to average assets | 0.4955% | 3,903 |
| Noninterest expense to average assets | 3.0213% | 3,557 |
| Loan and lease loss provision to assets | 0.5877% | 1,646 |
| Net operating income to assets | 0.6603% | 3,740 |
| Return on assets (ROA) | 0.6891% | 3,718 |
| Pretax return on assets | 0.7213% | 4,312 |
| Return on Equity (ROE) | 8.1750% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.1750% | 1,397 |
| Net charge-offs to loans | 0.9094% | 1,713 |
| Credit loss provision to net charge-offs | 93.7500% | 3,350 |
| Earnings coverage of net charge-offs (x) | 2.0404% | 3,837 |
| Efficiency ratio | 70.2572% | 4,059 |
| Assets per employee ($millions) | 3.9251% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,420 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 4,301 |
| Noncurrent loans to loans | 2.0557% | 3,401 |
| Net loans and leases to total assets | 61.8873% | 3,906 |
| Net loans and leases to deposits | 70.6357% | 4,349 |
| Net loans and leases to core deposits | 74.7865% | 4,470 |
| Total domestic deposits to total assets | 87.6148% | 2,399 |
| Equity capital to assets | 9.0776% | 5,467 |
| Core capital (leverage) ratio | 8.7672% | 5,096 |
| Tier 1 risk-based capital ratio | 13.6171% | 4,442 |
| Total risk-based capital ratio | 14.8709% | 4,420 |
| Memoranda: | ||
| Average total assets | $86,783,000 | 5,348 |
| Average earning assets | $82,977,670 | 5,232 |
| Average equity | $7,315,000 | 5,832 |
| Average total loans | $59,817,670 | 4,966 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 3,327 |
| Cost of funding earning assets | 0.9046% | 4,882 |
| Net interest margin | 4.0462% | 2,484 |
| Noninterest income to average assets | 0.4986% | 3,902 |
| Noninterest expense to average assets | 2.9870% | 3,698 |
| Loan and lease loss provision to assets | 0.3528% | 2,437 |
| Net operating income to assets | 0.9831% | 2,236 |
| Return on assets (ROA) | 0.9831% | 2,291 |
| Pretax return on assets | 1.0302% | 3,021 |
| Return on Equity (ROE) | 12.1600% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.1600% | 716 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3531% | 4,587 |
| Assets per employee ($millions) | 3.7612% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 3,127 |
| Loan loss allowance to noncurrent loans | 43.2668% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.7894% | 2,470 |
| Noncurrent loans to loans | 4.0741% | 1,769 |
| Net loans and leases to total assets | 67.0639% | 2,744 |
| Net loans and leases to deposits | 76.6624% | 3,308 |
| Net loans and leases to core deposits | 81.7735% | 3,484 |
| Total domestic deposits to total assets | 87.4796% | 2,674 |
| Equity capital to assets | 8.0676% | 6,428 |
| Core capital (leverage) ratio | 8.7163% | 5,060 |
| Tier 1 risk-based capital ratio | 13.2160% | 4,651 |
| Total risk-based capital ratio | 14.4722% | 4,627 |
| Memoranda: | ||
| Average total assets | $85,036,000 | 5,443 |
| Average earning assets | $81,359,500 | 5,318 |
| Average equity | $6,875,000 | 5,962 |
| Average total loans | $61,317,000 | 4,942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 2,323 |
| Cost of funding earning assets | 1.1662% | 4,759 |
| Net interest margin | 4.3246% | 1,733 |
| Noninterest income to average assets | 0.5525% | 3,804 |
| Noninterest expense to average assets | 3.2660% | 2,849 |
| Loan and lease loss provision to assets | 1.2258% | 1,271 |
| Net operating income to assets | 0.0838% | 5,629 |
| Return on assets (ROA) | 0.0849% | 5,760 |
| Pretax return on assets | 0.0885% | 5,724 |
| Return on Equity (ROE) | 1.0459% | 5,676 |
| Retained earnings to average equity (ytd only) | 0.9428% | 5,085 |
| Net charge-offs to loans | 1.5088% | 1,459 |
| Credit loss provision to net charge-offs | 106.2176% | 4,208 |
| Earnings coverage of net charge-offs (x) | 1.1378% | 4,967 |
| Efficiency ratio | 71.3241% | 3,932 |
| Assets per employee ($millions) | 3.6333% | 4,624 |
| Cash dividends to net income (ytd only)* | 9.8592% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,901 |
| Loan loss allowance to noncurrent loans | 74.9418% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 3,984 |
| Noncurrent loans to loans | 2.0274% | 3,524 |
| Net loans and leases to total assets | 74.9261% | 1,488 |
| Net loans and leases to deposits | 85.6818% | 2,155 |
| Net loans and leases to core deposits | 92.5351% | 2,436 |
| Total domestic deposits to total assets | 87.4469% | 2,581 |
| Equity capital to assets | 8.1027% | 6,379 |
| Core capital (leverage) ratio | 8.7675% | 4,905 |
| Tier 1 risk-based capital ratio | 11.7847% | 5,664 |
| Total risk-based capital ratio | 13.0374% | 5,659 |
| Memoranda: | ||
| Average total assets | $83,619,800 | 5,477 |
| Average earning assets | $77,856,600 | 5,415 |
| Average equity | $6,788,400 | 6,105 |
| Average total loans | $63,959,400 | 4,915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6012% | 2,052 |
| Cost of funding earning assets | 1.2160% | 4,765 |
| Net interest margin | 4.3852% | 1,572 |
| Noninterest income to average assets | 0.5580% | 3,720 |
| Noninterest expense to average assets | 3.1565% | 3,082 |
| Loan and lease loss provision to assets | 1.3551% | 1,003 |
| Net operating income to assets | 0.1005% | 5,778 |
| Return on assets (ROA) | 0.1020% | 5,920 |
| Pretax return on assets | 0.1068% | 5,900 |
| Return on Equity (ROE) | 1.2562% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.1188% | 5,370 |
| Net charge-offs to loans | 1.6381% | 1,206 |
| Credit loss provision to net charge-offs | 108.0051% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.1639% | 4,901 |
| Efficiency ratio | 68.3702% | 4,393 |
| Assets per employee ($millions) | 3.5870% | 4,762 |
| Cash dividends to net income (ytd only)* | 10.9340% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,555 |
| Loan loss allowance to noncurrent loans | 74.0260% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 4,058 |
| Noncurrent loans to loans | 2.1504% | 3,511 |
| Net loans and leases to total assets | 72.6079% | 2,098 |
| Net loans and leases to deposits | 83.5969% | 2,776 |
| Net loans and leases to core deposits | 89.9701% | 3,095 |
| Total domestic deposits to total assets | 86.8549% | 2,609 |
| Equity capital to assets | 8.3780% | 6,419 |
| Core capital (leverage) ratio | 8.8339% | 4,947 |
| Tier 1 risk-based capital ratio | 12.2859% | 5,197 |
| Total risk-based capital ratio | 13.5394% | 5,162 |
| Memoranda: | ||
| Average total assets | $83,633,500 | 5,552 |
| Average earning assets | $77,410,500 | 5,501 |
| Average equity | $6,792,750 | 6,179 |
| Average total loans | $64,054,750 | 4,978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 1,960 |
| Cost of funding earning assets | 1.2577% | 4,780 |
| Net interest margin | 4.3876% | 1,483 |
| Noninterest income to average assets | 0.5571% | 3,647 |
| Noninterest expense to average assets | 3.0306% | 3,596 |
| Loan and lease loss provision to assets | 1.1189% | 1,280 |
| Net operating income to assets | 0.4167% | 4,679 |
| Return on assets (ROA) | 0.4190% | 4,823 |
| Pretax return on assets | 0.4380% | 5,099 |
| Return on Equity (ROE) | 5.2125% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.0052% | 2,894 |
| Net charge-offs to loans | 1.1149% | 1,701 |
| Credit loss provision to net charge-offs | 129.4766% | 3,109 |
| Earnings coverage of net charge-offs (x) | 1.7989% | 4,172 |
| Efficiency ratio | 66.0955% | 4,965 |
| Assets per employee ($millions) | 3.5792% | 4,738 |
| Cash dividends to net income (ytd only)* | 3.9773% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 3,624 |
| Loan loss allowance to noncurrent loans | 123.8386% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 4,893 |
| Noncurrent loans to loans | 1.2593% | 4,862 |
| Net loans and leases to total assets | 77.6740% | 1,168 |
| Net loans and leases to deposits | 90.6876% | 1,741 |
| Net loans and leases to core deposits | 97.4176% | 2,290 |
| Total domestic deposits to total assets | 85.6501% | 3,285 |
| Equity capital to assets | 8.5956% | 6,025 |
| Core capital (leverage) ratio | 8.8900% | 4,765 |
| Tier 1 risk-based capital ratio | 11.7435% | 5,545 |
| Total risk-based capital ratio | 12.8362% | 5,648 |
| Memoranda: | ||
| Average total assets | $84,010,670 | 5,561 |
| Average earning assets | $77,126,000 | 5,544 |
| Average equity | $6,753,000 | 6,218 |
| Average total loans | $65,115,670 | 4,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 2,687 |
| Cost of funding earning assets | 1.3095% | 4,761 |
| Net interest margin | 4.1707% | 2,152 |
| Noninterest income to average assets | 0.5138% | 3,942 |
| Noninterest expense to average assets | 3.0263% | 3,577 |
| Loan and lease loss provision to assets | 1.1313% | 1,083 |
| Net operating income to assets | 0.1697% | 5,788 |
| Return on assets (ROA) | 0.1744% | 5,899 |
| Pretax return on assets | 0.1744% | 5,957 |
| Return on Equity (ROE) | 2.2453% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.8205% | 5,025 |
| Net charge-offs to loans | 1.2762% | 1,337 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.3269% | 3,951 |
| Efficiency ratio | 69.9346% | 4,311 |
| Assets per employee ($millions) | 3.6316% | 4,740 |
| Cash dividends to net income (ytd only)* | 18.9189% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,195 |
| Loan loss allowance to noncurrent loans | 97.4039% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2750% | 4,625 |
| Noncurrent loans to loans | 1.4816% | 4,521 |
| Net loans and leases to total assets | 76.6950% | 1,393 |
| Net loans and leases to deposits | 87.9174% | 2,240 |
| Net loans and leases to core deposits | 95.3246% | 2,661 |
| Total domestic deposits to total assets | 87.2353% | 2,515 |
| Equity capital to assets | 7.9184% | 6,738 |
| Core capital (leverage) ratio | 8.6780% | 5,052 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,623 |
| Total risk-based capital ratio | 12.8084% | 5,596 |
| Memoranda: | ||
| Average total assets | $84,855,500 | 5,602 |
| Average earning assets | $77,588,000 | 5,584 |
| Average equity | $6,591,500 | 6,321 |
| Average total loans | $65,196,000 | 5,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6708% | 3,249 |
| Cost of funding earning assets | 1.6320% | 4,877 |
| Net interest margin | 4.0388% | 2,699 |
| Noninterest income to average assets | 0.5445% | 4,075 |
| Noninterest expense to average assets | 2.9616% | 4,296 |
| Loan and lease loss provision to assets | 1.7628% | 1,295 |
| Net operating income to assets | -0.3953% | 6,072 |
| Return on assets (ROA) | -0.2601% | 5,915 |
| Pretax return on assets | -0.2601% | 5,790 |
| Return on Equity (ROE) | -3.1740% | 6,007 |
| Retained earnings to average equity (ytd only) | -4.1615% | 5,895 |
| Net charge-offs to loans | 1.8816% | 1,322 |
| Credit loss provision to net charge-offs | 119.8899% | 4,470 |
| Earnings coverage of net charge-offs (x) | 0.9300% | 5,179 |
| Efficiency ratio | 68.4112% | 4,943 |
| Assets per employee ($millions) | 3.7471% | 4,399 |
| Cash dividends to net income (ytd only)* | -31.1111% | 7,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,310 |
| Loan loss allowance to noncurrent loans | 76.3912% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 4,140 |
| Noncurrent loans to loans | 1.8136% | 3,907 |
| Net loans and leases to total assets | 74.8248% | 2,072 |
| Net loans and leases to deposits | 85.2304% | 3,043 |
| Net loans and leases to core deposits | 109.4224% | 2,960 |
| Total domestic deposits to total assets | 87.7912% | 2,078 |
| Equity capital to assets | 7.6221% | 6,928 |
| Core capital (leverage) ratio | 8.7161% | 4,896 |
| Tier 1 risk-based capital ratio | 11.2500% | 5,664 |
| Total risk-based capital ratio | 12.5049% | 5,613 |
| Memoranda: | ||
| Average total assets | $86,508,200 | 5,505 |
| Average earning assets | $81,064,400 | 5,423 |
| Average equity | $7,088,800 | 6,242 |
| Average total loans | $67,602,200 | 4,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,311 |
| Cost of funding earning assets | 1.7160% | 4,820 |
| Net interest margin | 3.9899% | 2,863 |
| Noninterest income to average assets | 0.5435% | 4,132 |
| Noninterest expense to average assets | 3.0011% | 4,039 |
| Loan and lease loss provision to assets | 0.9624% | 2,000 |
| Net operating income to assets | 0.3218% | 4,713 |
| Return on assets (ROA) | 0.3218% | 4,819 |
| Pretax return on assets | 0.3357% | 4,964 |
| Return on Equity (ROE) | 3.8602% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.5673% | 3,881 |
| Net charge-offs to loans | 0.7082% | 2,577 |
| Credit loss provision to net charge-offs | 172.6519% | 2,685 |
| Earnings coverage of net charge-offs (x) | 2.3287% | 4,078 |
| Efficiency ratio | 69.8066% | 4,630 |
| Assets per employee ($millions) | 3.8385% | 4,105 |
| Cash dividends to net income (ytd only)* | 33.4924% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,140 |
| Loan loss allowance to noncurrent loans | 44.1233% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.6325% | 2,644 |
| Noncurrent loans to loans | 3.0916% | 2,442 |
| Net loans and leases to total assets | 78.4324% | 1,495 |
| Net loans and leases to deposits | 91.1986% | 2,363 |
| Net loans and leases to core deposits | 120.5222% | 2,201 |
| Total domestic deposits to total assets | 86.0017% | 2,704 |
| Equity capital to assets | 8.4291% | 6,348 |
| Core capital (leverage) ratio | 8.8667% | 4,873 |
| Tier 1 risk-based capital ratio | 11.7086% | 5,235 |
| Total risk-based capital ratio | 12.9597% | 5,181 |
| Memoranda: | ||
| Average total assets | $86,589,250 | 5,533 |
| Average earning assets | $81,504,750 | 5,438 |
| Average equity | $7,218,750 | 6,250 |
| Average total loans | $68,154,500 | 4,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,918 |
| Cost of funding earning assets | 1.7460% | 5,037 |
| Net interest margin | 3.8837% | 3,191 |
| Noninterest income to average assets | 0.5063% | 4,393 |
| Noninterest expense to average assets | 3.0400% | 3,921 |
| Loan and lease loss provision to assets | 0.5727% | 2,720 |
| Net operating income to assets | 0.5475% | 3,893 |
| Return on assets (ROA) | 0.5475% | 4,014 |
| Pretax return on assets | 0.5727% | 4,397 |
| Return on Equity (ROE) | 6.5910% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.6606% | 2,708 |
| Net charge-offs to loans | 0.0263% | 6,108 |
| Credit loss provision to net charge-offs | 2,777.7778% | 184 |
| Earnings coverage of net charge-offs (x) | 55.5556% | 635 |
| Efficiency ratio | 72.6327% | 4,276 |
| Assets per employee ($millions) | 3.5845% | 4,612 |
| Cash dividends to net income (ytd only)* | 29.2887% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,518 |
| Loan loss allowance to noncurrent loans | 36.9116% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 2.9863% | 2,128 |
| Noncurrent loans to loans | 3.4202% | 2,061 |
| Net loans and leases to total assets | 81.2768% | 1,090 |
| Net loans and leases to deposits | 94.1810% | 2,063 |
| Net loans and leases to core deposits | 131.2780% | 1,466 |
| Total domestic deposits to total assets | 86.2985% | 2,627 |
| Equity capital to assets | 8.2230% | 6,455 |
| Core capital (leverage) ratio | 8.8628% | 4,842 |
| Tier 1 risk-based capital ratio | 11.0603% | 5,820 |
| Total risk-based capital ratio | 12.3058% | 5,742 |
| Memoranda: | ||
| Average total assets | $87,303,670 | 5,544 |
| Average earning assets | $82,705,330 | 5,448 |
| Average equity | $7,252,330 | 6,279 |
| Average total loans | $68,489,670 | 5,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5493% | 4,642 |
| Cost of funding earning assets | 1.7489% | 5,356 |
| Net interest margin | 3.8005% | 3,438 |
| Noninterest income to average assets | 0.4912% | 4,401 |
| Noninterest expense to average assets | 2.9428% | 4,003 |
| Loan and lease loss provision to assets | 0.4776% | 2,566 |
| Net operating income to assets | 0.6413% | 3,833 |
| Return on assets (ROA) | 0.6413% | 4,015 |
| Pretax return on assets | 0.6686% | 4,528 |
| Return on Equity (ROE) | 7.6824% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.7754% | 2,741 |
| Net charge-offs to loans | 0.0594% | 4,638 |
| Credit loss provision to net charge-offs | 1,050.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,213 |
| Efficiency ratio | 71.9689% | 4,199 |
| Assets per employee ($millions) | 3.7329% | 4,265 |
| Cash dividends to net income (ytd only)* | 24.8227% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,493 |
| Loan loss allowance to noncurrent loans | 43.0380% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 2.1443% | 2,685 |
| Noncurrent loans to loans | 2.5500% | 2,585 |
| Net loans and leases to total assets | 78.5131% | 1,693 |
| Net loans and leases to deposits | 90.9139% | 2,788 |
| Net loans and leases to core deposits | 125.2699% | 1,973 |
| Total domestic deposits to total assets | 86.3599% | 2,516 |
| Equity capital to assets | 8.6108% | 5,899 |
| Core capital (leverage) ratio | 9.1079% | 4,544 |
| Tier 1 risk-based capital ratio | 11.3211% | 5,576 |
| Total risk-based capital ratio | 12.3963% | 5,681 |
| Memoranda: | ||
| Average total assets | $87,942,000 | 5,553 |
| Average earning assets | $83,253,000 | 5,452 |
| Average equity | $7,341,500 | 6,280 |
| Average total loans | $67,327,500 | 5,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6020% | 2,487 |
| Cost of funding earning assets | 2.3018% | 5,144 |
| Net interest margin | 4.3003% | 1,972 |
| Noninterest income to average assets | 0.5818% | 3,993 |
| Noninterest expense to average assets | 3.1921% | 3,366 |
| Loan and lease loss provision to assets | 0.1225% | 5,790 |
| Net operating income to assets | 1.2776% | 1,548 |
| Return on assets (ROA) | 1.2800% | 1,491 |
| Pretax return on assets | 1.2996% | 2,313 |
| Return on Equity (ROE) | 14.1949% | 1,067 |
| Retained earnings to average equity (ytd only) | 1.8338% | 4,090 |
| Net charge-offs to loans | 0.0181% | 6,614 |
| Credit loss provision to net charge-offs | 909.0909% | 488 |
| Earnings coverage of net charge-offs (x) | 105.3636% | 410 |
| Efficiency ratio | 69.2165% | 4,491 |
| Assets per employee ($millions) | 3.9142% | 3,695 |
| Cash dividends to net income (ytd only)* | 87.0813% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,196 |
| Loan loss allowance to noncurrent loans | 88.8435% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,502 |
| Noncurrent loans to loans | 1.1053% | 4,348 |
| Net loans and leases to total assets | 73.1392% | 3,326 |
| Net loans and leases to deposits | 83.7648% | 4,458 |
| Net loans and leases to core deposits | 105.5868% | 4,238 |
| Total domestic deposits to total assets | 87.3149% | 1,792 |
| Equity capital to assets | 8.0976% | 6,701 |
| Core capital (leverage) ratio | 9.1308% | 4,553 |
| Tier 1 risk-based capital ratio | 10.6998% | 6,006 |
| Total risk-based capital ratio | 11.5991% | 6,239 |
| Memoranda: | ||
| Average total assets | $81,638,400 | 5,640 |
| Average earning assets | $76,506,600 | 5,566 |
| Average equity | $7,361,800 | 6,328 |
| Average total loans | $60,624,200 | 5,237 |