Home > The First National Bank of Cambridge > Performance and Condition Ratios
The First National Bank of Cambridge, 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 | 2.7966% | 6,678 |
| Cost of funding earning assets | 0.3526% | 5,508 |
| Net interest margin | 2.4439% | 6,560 |
| Noninterest income to average assets | 0.7641% | 2,280 |
| Noninterest expense to average assets | 2.4698% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5711% | 4,355 |
| Return on assets (ROA) | 0.5711% | 4,504 |
| Pretax return on assets | 0.5943% | 4,966 |
| Return on Equity (ROE) | 5.8068% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.6297% | 3,455 |
| Net charge-offs to loans | -0.0339% | 5,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6045% | 2,234 |
| Assets per employee ($millions) | 3.6709% | 4,623 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,974 |
| Loan loss allowance to noncurrent loans | 102.1875% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 4,827 |
| Noncurrent loans to loans | 1.4283% | 3,426 |
| Net loans and leases to total assets | 42.9572% | 5,762 |
| Net loans and leases to deposits | 47.7888% | 5,934 |
| Net loans and leases to core deposits | 48.3551% | 6,078 |
| Total domestic deposits to total assets | 89.8897% | 1,115 |
| Equity capital to assets | 9.9741% | 4,180 |
| Core capital (leverage) ratio | 9.8471% | 3,603 |
| Tier 1 risk-based capital ratio | 19.2402% | 1,967 |
| Total risk-based capital ratio | 20.4898% | 1,942 |
| Memoranda: | ||
| Average total assets | $51,825,500 | 6,130 |
| Average earning assets | $48,774,000 | 6,074 |
| Average equity | $5,097,500 | 6,219 |
| Average total loans | $23,608,000 | 6,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 6,660 |
| Cost of funding earning assets | 0.4950% | 5,252 |
| Net interest margin | 2.7068% | 6,510 |
| Noninterest income to average assets | 0.8974% | 1,863 |
| Noninterest expense to average assets | 3.0183% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4282% | 4,973 |
| Return on assets (ROA) | 0.4301% | 5,211 |
| Pretax return on assets | 0.4477% | 5,432 |
| Return on Equity (ROE) | 4.3918% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.1885% | 3,979 |
| Net charge-offs to loans | -0.1180% | 6,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1315% | 1,319 |
| Assets per employee ($millions) | 3.7327% | 4,502 |
| Cash dividends to net income (ytd only)* | 27.3973% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,588 |
| Loan loss allowance to noncurrent loans | 91.5493% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 4,788 |
| Noncurrent loans to loans | 1.4308% | 3,449 |
| Net loans and leases to total assets | 46.8579% | 5,526 |
| Net loans and leases to deposits | 51.9387% | 5,815 |
| Net loans and leases to core deposits | 52.5404% | 5,976 |
| Total domestic deposits to total assets | 90.2178% | 839 |
| Equity capital to assets | 9.7000% | 4,588 |
| Core capital (leverage) ratio | 9.9377% | 3,487 |
| Tier 1 risk-based capital ratio | 17.4292% | 2,475 |
| Total risk-based capital ratio | 18.5747% | 2,490 |
| Memoranda: | ||
| Average total assets | $50,923,000 | 6,187 |
| Average earning assets | $48,285,400 | 6,110 |
| Average equity | $4,986,600 | 6,295 |
| Average total loans | $24,577,200 | 6,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 6,763 |
| Cost of funding earning assets | 0.5258% | 5,270 |
| Net interest margin | 2.7233% | 6,613 |
| Noninterest income to average assets | 1.1096% | 1,226 |
| Noninterest expense to average assets | 3.1600% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5246% | 4,735 |
| Return on assets (ROA) | 0.5271% | 4,991 |
| Pretax return on assets | 0.5456% | 5,326 |
| Return on Equity (ROE) | 5.3697% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.1615% | 3,967 |
| Net charge-offs to loans | -0.1523% | 6,942 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3381% | 1,445 |
| Assets per employee ($millions) | 3.5346% | 4,895 |
| Cash dividends to net income (ytd only)* | 22.5006% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,017 |
| Loan loss allowance to noncurrent loans | 102.5316% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 5,079 |
| Noncurrent loans to loans | 1.2259% | 4,004 |
| Net loans and leases to total assets | 51.4348% | 5,122 |
| Net loans and leases to deposits | 57.5837% | 5,468 |
| Net loans and leases to core deposits | 59.0410% | 5,653 |
| Total domestic deposits to total assets | 89.3218% | 1,228 |
| Equity capital to assets | 10.2882% | 4,094 |
| Core capital (leverage) ratio | 10.0093% | 3,526 |
| Tier 1 risk-based capital ratio | 17.0531% | 2,711 |
| Total risk-based capital ratio | 18.1712% | 2,734 |
| Memoranda: | ||
| Average total assets | $50,589,250 | 6,269 |
| Average earning assets | $48,176,500 | 6,189 |
| Average equity | $4,966,000 | 6,369 |
| Average total loans | $24,518,500 | 6,307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 6,874 |
| Cost of funding earning assets | 0.5474% | 5,324 |
| Net interest margin | 2.6507% | 6,773 |
| Noninterest income to average assets | 1.4640% | 677 |
| Noninterest expense to average assets | 3.4342% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5378% | 4,637 |
| Return on assets (ROA) | 0.5416% | 4,900 |
| Pretax return on assets | 0.5613% | 5,273 |
| Return on Equity (ROE) | 5.6048% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.3864% | 3,696 |
| Net charge-offs to loans | -0.2158% | 7,012 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0374% | 1,432 |
| Assets per employee ($millions) | 3.5349% | 4,903 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,802 |
| Loan loss allowance to noncurrent loans | 100.6250% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 5,161 |
| Noncurrent loans to loans | 1.3115% | 3,957 |
| Net loans and leases to total assets | 48.6512% | 5,543 |
| Net loans and leases to deposits | 55.4208% | 5,716 |
| Net loans and leases to core deposits | 57.1955% | 5,850 |
| Total domestic deposits to total assets | 87.7852% | 2,287 |
| Equity capital to assets | 10.1154% | 4,169 |
| Core capital (leverage) ratio | 9.7621% | 3,764 |
| Tier 1 risk-based capital ratio | 17.6073% | 2,434 |
| Total risk-based capital ratio | 18.7655% | 2,435 |
| Memoranda: | ||
| Average total assets | $50,957,670 | 6,293 |
| Average earning assets | $48,590,330 | 6,213 |
| Average equity | $4,924,330 | 6,410 |
| Average total loans | $24,099,330 | 6,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 6,930 |
| Cost of funding earning assets | 0.5845% | 5,253 |
| Net interest margin | 2.6465% | 6,838 |
| Noninterest income to average assets | 0.6345% | 3,029 |
| Noninterest expense to average assets | 2.7780% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3637% | 5,408 |
| Return on assets (ROA) | 0.3637% | 5,593 |
| Pretax return on assets | 0.3792% | 5,786 |
| Return on Equity (ROE) | 3.8497% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.6211% | 4,949 |
| Net charge-offs to loans | -0.4175% | 7,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9902% | 1,282 |
| Assets per employee ($millions) | 3.6548% | 4,750 |
| Cash dividends to net income (ytd only)* | 31.9149% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,547 |
| Loan loss allowance to noncurrent loans | 100.3125% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 5,430 |
| Noncurrent loans to loans | 1.4096% | 3,993 |
| Net loans and leases to total assets | 40.8230% | 6,281 |
| Net loans and leases to deposits | 44.9046% | 6,498 |
| Net loans and leases to core deposits | 45.9388% | 6,573 |
| Total domestic deposits to total assets | 90.9106% | 598 |
| Equity capital to assets | 8.9325% | 5,593 |
| Core capital (leverage) ratio | 8.9504% | 4,916 |
| Tier 1 risk-based capital ratio | 18.0663% | 2,262 |
| Total risk-based capital ratio | 19.2697% | 2,252 |
| Memoranda: | ||
| Average total assets | $51,692,000 | 6,316 |
| Average earning assets | $49,273,500 | 6,230 |
| Average equity | $4,883,500 | 6,457 |
| Average total loans | $23,949,500 | 6,421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 6,725 |
| Cost of funding earning assets | 0.7830% | 4,986 |
| Net interest margin | 3.0205% | 6,498 |
| Noninterest income to average assets | 1.0272% | 1,290 |
| Noninterest expense to average assets | 3.1778% | 2,943 |
| Loan and lease loss provision to assets | 0.0301% | 6,194 |
| Net operating income to assets | 0.6695% | 3,632 |
| Return on assets (ROA) | 0.7042% | 3,654 |
| Pretax return on assets | 0.7343% | 4,211 |
| Return on Equity (ROE) | 7.1997% | 3,306 |
| Retained earnings to average equity (ytd only) | 0.1231% | 5,779 |
| Net charge-offs to loans | 0.2755% | 4,049 |
| Credit loss provision to net charge-offs | 21.7391% | 5,893 |
| Earnings coverage of net charge-offs (x) | 5.2609% | 2,848 |
| Efficiency ratio | 81.3559% | 2,107 |
| Assets per employee ($millions) | 3.2375% | 5,637 |
| Cash dividends to net income (ytd only)* | 98.2906% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,509 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 6,385 |
| Noncurrent loans to loans | 0.4445% | 5,821 |
| Net loans and leases to total assets | 51.2788% | 5,431 |
| Net loans and leases to deposits | 57.0610% | 5,793 |
| Net loans and leases to core deposits | 58.5626% | 5,969 |
| Total domestic deposits to total assets | 89.8666% | 1,065 |
| Equity capital to assets | 10.0284% | 4,133 |
| Core capital (leverage) ratio | 9.7219% | 3,718 |
| Tier 1 risk-based capital ratio | 17.0114% | 2,600 |
| Total risk-based capital ratio | 18.0636% | 2,648 |
| Memoranda: | ||
| Average total assets | $49,845,600 | 6,373 |
| Average earning assets | $47,509,200 | 6,272 |
| Average equity | $4,875,200 | 6,483 |
| Average total loans | $25,042,400 | 6,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 6,859 |
| Cost of funding earning assets | 0.8147% | 5,053 |
| Net interest margin | 2.9696% | 6,636 |
| Noninterest income to average assets | 1.1854% | 938 |
| Noninterest expense to average assets | 3.3142% | 2,453 |
| Loan and lease loss provision to assets | 0.0399% | 5,944 |
| Net operating income to assets | 0.6451% | 3,898 |
| Return on assets (ROA) | 0.6910% | 3,839 |
| Pretax return on assets | 0.7176% | 4,407 |
| Return on Equity (ROE) | 7.1088% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.8784% | 2,632 |
| Net charge-offs to loans | 0.3679% | 3,251 |
| Credit loss provision to net charge-offs | 21.7391% | 5,536 |
| Earnings coverage of net charge-offs (x) | 3.8695% | 3,265 |
| Efficiency ratio | 82.3646% | 1,919 |
| Assets per employee ($millions) | 3.3906% | 5,267 |
| Cash dividends to net income (ytd only)* | 17.3080% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,874 |
| Loan loss allowance to noncurrent loans | 219.2593% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 6,394 |
| Noncurrent loans to loans | 0.5037% | 5,835 |
| Net loans and leases to total assets | 52.1206% | 5,432 |
| Net loans and leases to deposits | 60.9590% | 5,523 |
| Net loans and leases to core deposits | 62.5631% | 5,765 |
| Total domestic deposits to total assets | 85.5011% | 3,494 |
| Equity capital to assets | 10.0238% | 4,307 |
| Core capital (leverage) ratio | 9.9607% | 3,493 |
| Tier 1 risk-based capital ratio | 16.4121% | 2,905 |
| Total risk-based capital ratio | 17.3844% | 3,014 |
| Memoranda: | ||
| Average total assets | $50,166,500 | 6,418 |
| Average earning assets | $47,951,250 | 6,312 |
| Average equity | $4,876,500 | 6,536 |
| Average total loans | $25,003,500 | 6,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 6,972 |
| Cost of funding earning assets | 0.8464% | 5,085 |
| Net interest margin | 2.8995% | 6,790 |
| Noninterest income to average assets | 1.0093% | 1,296 |
| Noninterest expense to average assets | 3.3163% | 2,504 |
| Loan and lease loss provision to assets | 0.0601% | 5,561 |
| Net operating income to assets | 0.3905% | 4,991 |
| Return on assets (ROA) | 0.4566% | 4,823 |
| Pretax return on assets | 0.4726% | 5,165 |
| Return on Equity (ROE) | 4.7474% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.4981% | 4,025 |
| Net charge-offs to loans | 0.5737% | 2,388 |
| Credit loss provision to net charge-offs | 21.4286% | 5,114 |
| Earnings coverage of net charge-offs (x) | 1.6571% | 4,048 |
| Efficiency ratio | 87.7119% | 1,446 |
| Assets per employee ($millions) | 3.3926% | 5,218 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,605 |
| Loan loss allowance to noncurrent loans | 318.2796% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,643 |
| Noncurrent loans to loans | 0.3730% | 6,158 |
| Net loans and leases to total assets | 48.4171% | 6,010 |
| Net loans and leases to deposits | 53.8169% | 6,318 |
| Net loans and leases to core deposits | 55.1566% | 6,485 |
| Total domestic deposits to total assets | 89.9664% | 993 |
| Equity capital to assets | 9.7428% | 4,475 |
| Core capital (leverage) ratio | 9.8588% | 3,439 |
| Tier 1 risk-based capital ratio | 16.7453% | 2,633 |
| Total risk-based capital ratio | 17.7641% | 2,692 |
| Memoranda: | ||
| Average total assets | $49,935,670 | 6,479 |
| Average earning assets | $47,732,330 | 6,373 |
| Average equity | $4,802,670 | 6,599 |
| Average total loans | $24,403,330 | 6,566 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 6,952 |
| Cost of funding earning assets | 0.8819% | 5,053 |
| Net interest margin | 2.9170% | 6,731 |
| Noninterest income to average assets | 0.7279% | 2,404 |
| Noninterest expense to average assets | 3.0894% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4044% | 4,928 |
| Return on assets (ROA) | 0.4044% | 5,014 |
| Pretax return on assets | 0.4206% | 5,282 |
| Return on Equity (ROE) | 4.2328% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.9630% | 4,388 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0184% | 1,513 |
| Assets per employee ($millions) | 3.2766% | 5,536 |
| Cash dividends to net income (ytd only)* | 30.0000% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 4,247 |
| Loan loss allowance to noncurrent loans | 212.7273% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 6,358 |
| Noncurrent loans to loans | 0.7019% | 5,614 |
| Net loans and leases to total assets | 47.1179% | 6,175 |
| Net loans and leases to deposits | 52.2730% | 6,453 |
| Net loans and leases to core deposits | 54.5215% | 6,520 |
| Total domestic deposits to total assets | 90.1382% | 1,072 |
| Equity capital to assets | 9.6604% | 4,238 |
| Core capital (leverage) ratio | 9.6989% | 3,526 |
| Tier 1 risk-based capital ratio | 17.3038% | 2,371 |
| Total risk-based capital ratio | 18.5542% | 2,346 |
| Memoranda: | ||
| Average total assets | $49,459,000 | 6,545 |
| Average earning assets | $47,172,500 | 6,442 |
| Average equity | $4,725,000 | 6,644 |
| Average total loans | $24,137,500 | 6,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 6,027 |
| Cost of funding earning assets | 1.2291% | 4,361 |
| Net interest margin | 3.3994% | 5,635 |
| Noninterest income to average assets | 1.1241% | 1,173 |
| Noninterest expense to average assets | 3.4242% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8788% | 2,471 |
| Return on assets (ROA) | 0.8539% | 2,711 |
| Pretax return on assets | 0.8906% | 3,325 |
| Return on Equity (ROE) | 8.0537% | 2,679 |
| Retained earnings to average equity (ytd only) | 0.7136% | 5,205 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8845% | 2,549 |
| Assets per employee ($millions) | 3.3179% | 5,394 |
| Cash dividends to net income (ytd only)* | 91.1392% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,439 |
| Loan loss allowance to noncurrent loans | 385.7143% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,773 |
| Noncurrent loans to loans | 0.3674% | 6,321 |
| Net loans and leases to total assets | 49.0566% | 6,269 |
| Net loans and leases to deposits | 54.2435% | 6,590 |
| Net loans and leases to core deposits | 56.5306% | 6,667 |
| Total domestic deposits to total assets | 90.4378% | 868 |
| Equity capital to assets | 9.4476% | 4,471 |
| Core capital (leverage) ratio | 10.0593% | 3,019 |
| Tier 1 risk-based capital ratio | 16.4278% | 2,553 |
| Total risk-based capital ratio | 17.6341% | 2,535 |
| Memoranda: | ||
| Average total assets | $46,258,600 | 6,660 |
| Average earning assets | $43,772,000 | 6,589 |
| Average equity | $4,904,600 | 6,698 |
| Average total loans | $24,929,000 | 6,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 5,729 |
| Cost of funding earning assets | 1.3098% | 4,154 |
| Net interest margin | 3.4730% | 5,406 |
| Noninterest income to average assets | 1.3809% | 711 |
| Noninterest expense to average assets | 3.7225% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9123% | 2,563 |
| Return on assets (ROA) | 0.8785% | 2,838 |
| Pretax return on assets | 0.9108% | 3,524 |
| Return on Equity (ROE) | 8.0452% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.8344% | 1,929 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7357% | 2,381 |
| Assets per employee ($millions) | 3.0861% | 5,953 |
| Cash dividends to net income (ytd only)* | 15.0504% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,743 |
| Loan loss allowance to noncurrent loans | 433.3333% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,920 |
| Noncurrent loans to loans | 0.3098% | 6,574 |
| Net loans and leases to total assets | 55.7257% | 5,587 |
| Net loans and leases to deposits | 63.4401% | 5,979 |
| Net loans and leases to core deposits | 66.5909% | 6,077 |
| Total domestic deposits to total assets | 87.8400% | 2,060 |
| Equity capital to assets | 11.0194% | 2,942 |
| Core capital (leverage) ratio | 10.8171% | 2,400 |
| Tier 1 risk-based capital ratio | 16.9377% | 2,364 |
| Total risk-based capital ratio | 18.1270% | 2,346 |
| Memoranda: | ||
| Average total assets | $45,381,000 | 6,767 |
| Average earning assets | $42,958,250 | 6,699 |
| Average equity | $4,955,250 | 6,765 |
| Average total loans | $24,969,750 | 6,758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 5,853 |
| Cost of funding earning assets | 1.3562% | 4,155 |
| Net interest margin | 3.4258% | 5,529 |
| Noninterest income to average assets | 0.7942% | 2,149 |
| Noninterest expense to average assets | 3.1900% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8145% | 2,905 |
| Return on assets (ROA) | 0.7543% | 3,332 |
| Pretax return on assets | 0.7809% | 3,947 |
| Return on Equity (ROE) | 6.9293% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.7065% | 2,491 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0979% | 2,561 |
| Assets per employee ($millions) | 3.0293% | 6,082 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,454 |
| Loan loss allowance to noncurrent loans | 417.8571% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 6,928 |
| Noncurrent loans to loans | 0.3340% | 6,562 |
| Net loans and leases to total assets | 54.5775% | 5,905 |
| Net loans and leases to deposits | 62.0450% | 6,230 |
| Net loans and leases to core deposits | 65.1603% | 6,301 |
| Total domestic deposits to total assets | 87.9643% | 2,023 |
| Equity capital to assets | 11.0255% | 2,835 |
| Core capital (leverage) ratio | 10.7723% | 2,417 |
| Tier 1 risk-based capital ratio | 17.0369% | 2,267 |
| Total risk-based capital ratio | 18.2611% | 2,227 |
| Memoranda: | ||
| Average total assets | $45,077,670 | 6,826 |
| Average earning assets | $42,618,000 | 6,753 |
| Average equity | $4,906,670 | 6,810 |
| Average total loans | $24,577,330 | 6,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 5,919 |
| Cost of funding earning assets | 1.3797% | 4,309 |
| Net interest margin | 3.4113% | 5,534 |
| Noninterest income to average assets | 0.9266% | 1,524 |
| Noninterest expense to average assets | 3.2163% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8909% | 2,585 |
| Return on assets (ROA) | 0.8909% | 2,657 |
| Pretax return on assets | 0.9266% | 3,359 |
| Return on Equity (ROE) | 8.2389% | 2,758 |
| Retained earnings to average equity (ytd only) | 7.0031% | 2,128 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6344% | 2,954 |
| Assets per employee ($millions) | 3.0105% | 6,196 |
| Cash dividends to net income (ytd only)* | 15.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 3,861 |
| Loan loss allowance to noncurrent loans | 417.8571% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 7,006 |
| Noncurrent loans to loans | 0.3613% | 6,576 |
| Net loans and leases to total assets | 50.7042% | 6,404 |
| Net loans and leases to deposits | 57.0088% | 6,697 |
| Net loans and leases to core deposits | 59.8411% | 6,766 |
| Total domestic deposits to total assets | 88.9411% | 1,545 |
| Equity capital to assets | 10.8198% | 2,933 |
| Core capital (leverage) ratio | 10.7638% | 2,399 |
| Tier 1 risk-based capital ratio | 17.7187% | 2,017 |
| Total risk-based capital ratio | 18.9694% | 1,992 |
| Memoranda: | ||
| Average total assets | $44,896,500 | 6,918 |
| Average earning assets | $42,329,500 | 6,846 |
| Average equity | $4,855,000 | 6,893 |
| Average total loans | $24,290,500 | 6,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3803% | 4,782 |
| Cost of funding earning assets | 1.6171% | 4,955 |
| Net interest margin | 3.7632% | 3,860 |
| Noninterest income to average assets | 1.4375% | 709 |
| Noninterest expense to average assets | 3.8168% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1236% | 1,454 |
| Return on assets (ROA) | 1.1054% | 1,534 |
| Pretax return on assets | 1.1458% | 2,110 |
| Return on Equity (ROE) | 9.5605% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.1747% | 3,586 |
| Net charge-offs to loans | -0.0590% | 7,855 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6190% | 3,421 |
| Assets per employee ($millions) | 2.9757% | 6,279 |
| Cash dividends to net income (ytd only)* | 77.2532% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,308 |
| Loan loss allowance to noncurrent loans | 417.8571% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 6,999 |
| Noncurrent loans to loans | 0.3316% | 6,616 |
| Net loans and leases to total assets | 55.9695% | 5,957 |
| Net loans and leases to deposits | 63.7280% | 6,303 |
| Net loans and leases to core deposits | 72.0316% | 6,655 |
| Total domestic deposits to total assets | 87.8257% | 2,061 |
| Equity capital to assets | 10.8077% | 2,860 |
| Core capital (leverage) ratio | 10.9610% | 2,247 |
| Tier 1 risk-based capital ratio | 15.9953% | 2,525 |
| Total risk-based capital ratio | 17.1785% | 2,479 |
| Memoranda: | ||
| Average total assets | $42,155,600 | 7,022 |
| Average earning assets | $39,700,600 | 6,953 |
| Average equity | $4,874,200 | 6,995 |
| Average total loans | $25,444,800 | 6,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 4,495 |
| Cost of funding earning assets | 1.6765% | 5,026 |
| Net interest margin | 3.8087% | 3,618 |
| Noninterest income to average assets | 1.8008% | 453 |
| Noninterest expense to average assets | 4.1826% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1716% | 1,537 |
| Return on assets (ROA) | 1.1716% | 1,592 |
| Pretax return on assets | 1.2134% | 2,223 |
| Return on Equity (ROE) | 9.9586% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.7310% | 914 |
| Net charge-offs to loans | -0.0785% | 7,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5134% | 3,235 |
| Assets per employee ($millions) | 2.8059% | 6,638 |
| Cash dividends to net income (ytd only)* | 12.3292% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 4,564 |
| Loan loss allowance to noncurrent loans | 412.9412% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 7,020 |
| Noncurrent loans to loans | 0.3125% | 6,735 |
| Net loans and leases to total assets | 63.7958% | 4,905 |
| Net loans and leases to deposits | 72.9449% | 5,515 |
| Net loans and leases to core deposits | 80.2169% | 6,333 |
| Total domestic deposits to total assets | 87.4575% | 1,916 |
| Equity capital to assets | 11.9936% | 2,240 |
| Core capital (leverage) ratio | 11.7997% | 1,904 |
| Tier 1 risk-based capital ratio | 16.0632% | 2,601 |
| Total risk-based capital ratio | 17.1999% | 2,580 |
| Memoranda: | ||
| Average total assets | $41,535,750 | 7,086 |
| Average earning assets | $39,208,000 | 7,028 |
| Average equity | $4,886,750 | 7,046 |
| Average total loans | $25,472,750 | 6,940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 4,860 |
| Cost of funding earning assets | 1.7347% | 5,091 |
| Net interest margin | 3.7209% | 3,871 |
| Noninterest income to average assets | 1.0012% | 1,593 |
| Noninterest expense to average assets | 3.4678% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0012% | 2,101 |
| Return on assets (ROA) | 1.0012% | 2,196 |
| Pretax return on assets | 1.0399% | 2,846 |
| Return on Equity (ROE) | 8.5661% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.3246% | 1,457 |
| Net charge-offs to loans | -0.1205% | 7,974 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9313% | 3,518 |
| Assets per employee ($millions) | 2.7857% | 6,665 |
| Cash dividends to net income (ytd only)* | 14.4928% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,088 |
| Loan loss allowance to noncurrent loans | 365.6250% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 6,926 |
| Noncurrent loans to loans | 0.3642% | 6,601 |
| Net loans and leases to total assets | 62.2424% | 5,323 |
| Net loans and leases to deposits | 71.6691% | 5,783 |
| Net loans and leases to core deposits | 79.2830% | 6,469 |
| Total domestic deposits to total assets | 86.8470% | 2,337 |
| Equity capital to assets | 11.7722% | 2,341 |
| Core capital (leverage) ratio | 11.5917% | 2,040 |
| Tier 1 risk-based capital ratio | 16.0667% | 2,601 |
| Total risk-based capital ratio | 17.2377% | 2,570 |
| Memoranda: | ||
| Average total assets | $41,351,330 | 7,155 |
| Average earning assets | $38,968,670 | 7,095 |
| Average equity | $4,833,000 | 7,132 |
| Average total loans | $24,896,330 | 7,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 5,309 |
| Cost of funding earning assets | 1.7934% | 5,140 |
| Net interest margin | 3.6284% | 4,194 |
| Noninterest income to average assets | 1.2836% | 870 |
| Noninterest expense to average assets | 3.4326% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2155% | 1,616 |
| Return on assets (ROA) | 1.2155% | 1,722 |
| Pretax return on assets | 1.2544% | 2,437 |
| Return on Equity (ROE) | 10.4384% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.1858% | 1,423 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2365% | 3,966 |
| Assets per employee ($millions) | 2.7898% | 6,673 |
| Cash dividends to net income (ytd only)* | 12.0000% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 3,570 |
| Loan loss allowance to noncurrent loans | 302.7027% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 6,711 |
| Noncurrent loans to loans | 0.4582% | 6,272 |
| Net loans and leases to total assets | 57.0913% | 6,084 |
| Net loans and leases to deposits | 64.7962% | 6,482 |
| Net loans and leases to core deposits | 71.8245% | 6,920 |
| Total domestic deposits to total assets | 88.1091% | 1,694 |
| Equity capital to assets | 11.5755% | 2,542 |
| Core capital (leverage) ratio | 11.3031% | 2,276 |
| Tier 1 risk-based capital ratio | 16.7377% | 2,432 |
| Total risk-based capital ratio | 17.9217% | 2,384 |
| Memoranda: | ||
| Average total assets | $41,134,500 | 7,198 |
| Average earning assets | $38,585,000 | 7,142 |
| Average equity | $4,790,000 | 7,191 |
| Average total loans | $24,165,000 | 7,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0912% | 5,095 |
| Cost of funding earning assets | 2.2974% | 5,160 |
| Net interest margin | 3.7938% | 4,051 |
| Noninterest income to average assets | 1.5543% | 581 |
| Noninterest expense to average assets | 4.0214% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9566% | 2,758 |
| Return on assets (ROA) | 0.9990% | 2,444 |
| Pretax return on assets | 1.1359% | 2,896 |
| Return on Equity (ROE) | 8.2718% | 2,949 |
| Retained earnings to average equity (ytd only) | 1.3436% | 4,413 |
| Net charge-offs to loans | 0.5342% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.4878% | 4,344 |
| Efficiency ratio | 78.7097% | 2,802 |
| Assets per employee ($millions) | 2.6948% | 6,799 |
| Cash dividends to net income (ytd only)* | 83.7563% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,229 |
| Loan loss allowance to noncurrent loans | 297.3451% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 6,466 |
| Noncurrent loans to loans | 0.4688% | 5,942 |
| Net loans and leases to total assets | 58.7972% | 6,090 |
| Net loans and leases to deposits | 66.8213% | 6,580 |
| Net loans and leases to core deposits | 73.8863% | 6,973 |
| Total domestic deposits to total assets | 87.9917% | 1,474 |
| Equity capital to assets | 11.7164% | 2,490 |
| Core capital (leverage) ratio | 11.5810% | 2,204 |
| Tier 1 risk-based capital ratio | 16.5212% | 2,480 |
| Total risk-based capital ratio | 17.7179% | 2,429 |
| Memoranda: | ||
| Average total assets | $39,439,000 | 7,239 |
| Average earning assets | $36,955,200 | 7,193 |
| Average equity | $4,763,200 | 7,222 |
| Average total loans | $23,024,800 | 7,136 |