Home > The First National Bank of Canton > Performance and Condition Ratios
The First National Bank of Canton, Performance and Condition Ratios
| 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 | 4.0768% | 5,279 |
| Cost of funding earning assets | 0.5517% | 5,073 |
| Net interest margin | 3.5251% | 4,544 |
| Noninterest income to average assets | 0.2385% | 5,845 |
| Noninterest expense to average assets | 2.6728% | 4,489 |
| Loan and lease loss provision to assets | 0.0971% | 4,359 |
| Net operating income to assets | 0.7435% | 3,721 |
| Return on assets (ROA) | 0.7510% | 3,941 |
| Pretax return on assets | 0.7510% | 4,673 |
| Return on Equity (ROE) | 8.2730% | 3,151 |
| Retained earnings to average equity (ytd only) | -2.0207% | 6,399 |
| Net charge-offs to loans | 0.0754% | 4,656 |
| Credit loss provision to net charge-offs | 243.2432% | 1,139 |
| Earnings coverage of net charge-offs (x) | 21.0549% | 1,425 |
| Efficiency ratio | 76.0749% | 2,669 |
| Assets per employee ($millions) | 4.0782% | 3,722 |
| Cash dividends to net income (ytd only)* | 124.4251% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,574 |
| Loan loss allowance to noncurrent loans | 564.7059% | 680 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 3,650 |
| Noncurrent loans to loans | 0.2012% | 6,105 |
| Net loans and leases to total assets | 52.8602% | 4,936 |
| Net loans and leases to deposits | 58.2262% | 5,411 |
| Net loans and leases to core deposits | 59.0489% | 5,652 |
| Total domestic deposits to total assets | 90.7842% | 486 |
| Equity capital to assets | 8.9144% | 5,908 |
| Core capital (leverage) ratio | 8.3536% | 5,942 |
| Tier 1 risk-based capital ratio | 15.6383% | 3,459 |
| Total risk-based capital ratio | 16.7887% | 3,473 |
| Memoranda: | ||
| Average total assets | $123,562,000 | 4,320 |
| Average earning assets | $114,792,750 | 4,268 |
| Average equity | $11,217,000 | 4,765 |
| Average total loans | $65,383,500 | 4,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 5,189 |
| Cost of funding earning assets | 0.5651% | 5,183 |
| Net interest margin | 3.5666% | 4,393 |
| Noninterest income to average assets | 0.7177% | 2,567 |
| Noninterest expense to average assets | 2.6556% | 4,589 |
| Loan and lease loss provision to assets | 0.0979% | 4,314 |
| Net operating income to assets | 1.2691% | 1,518 |
| Return on assets (ROA) | 1.2805% | 1,653 |
| Pretax return on assets | 1.2805% | 2,628 |
| Return on Equity (ROE) | 14.0187% | 1,117 |
| Retained earnings to average equity (ytd only) | 1.7680% | 5,310 |
| Net charge-offs to loans | 0.1145% | 4,029 |
| Credit loss provision to net charge-offs | 162.1622% | 1,718 |
| Earnings coverage of net charge-offs (x) | 22.6486% | 1,287 |
| Efficiency ratio | 66.0178% | 4,532 |
| Assets per employee ($millions) | 4.0568% | 3,754 |
| Cash dividends to net income (ytd only)* | 87.3885% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,808 |
| Loan loss allowance to noncurrent loans | 738.0000% | 531 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 3,292 |
| Noncurrent loans to loans | 0.1481% | 6,293 |
| Net loans and leases to total assets | 53.0979% | 4,945 |
| Net loans and leases to deposits | 58.5004% | 5,396 |
| Net loans and leases to core deposits | 59.4779% | 5,649 |
| Total domestic deposits to total assets | 90.7651% | 538 |
| Equity capital to assets | 9.0194% | 5,677 |
| Core capital (leverage) ratio | 8.5758% | 5,550 |
| Tier 1 risk-based capital ratio | 15.6650% | 3,353 |
| Total risk-based capital ratio | 16.7444% | 3,411 |
| Memoranda: | ||
| Average total assets | $122,608,000 | 4,360 |
| Average earning assets | $113,610,670 | 4,316 |
| Average equity | $11,199,330 | 4,774 |
| Average total loans | $64,646,000 | 4,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 5,139 |
| Cost of funding earning assets | 0.5757% | 5,310 |
| Net interest margin | 3.6151% | 4,202 |
| Noninterest income to average assets | 0.5189% | 3,785 |
| Noninterest expense to average assets | 2.6671% | 4,555 |
| Loan and lease loss provision to assets | 0.0991% | 4,105 |
| Net operating income to assets | 1.0939% | 2,117 |
| Return on assets (ROA) | 1.1171% | 2,186 |
| Pretax return on assets | 1.1171% | 3,256 |
| Return on Equity (ROE) | 12.1501% | 1,632 |
| Retained earnings to average equity (ytd only) | 12.1501% | 806 |
| Net charge-offs to loans | 0.2468% | 2,693 |
| Credit loss provision to net charge-offs | 76.9231% | 2,780 |
| Earnings coverage of net charge-offs (x) | 9.2564% | 1,865 |
| Efficiency ratio | 69.0925% | 3,966 |
| Assets per employee ($millions) | 3.7152% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 5,924 |
| Loan loss allowance to noncurrent loans | 5,883.3333% | 97 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 3,317 |
| Noncurrent loans to loans | 0.0186% | 6,733 |
| Net loans and leases to total assets | 52.1007% | 5,011 |
| Net loans and leases to deposits | 57.4776% | 5,437 |
| Net loans and leases to core deposits | 58.0633% | 5,710 |
| Total domestic deposits to total assets | 90.6453% | 717 |
| Equity capital to assets | 9.2267% | 5,195 |
| Core capital (leverage) ratio | 8.9242% | 4,956 |
| Tier 1 risk-based capital ratio | 16.3611% | 2,982 |
| Total risk-based capital ratio | 17.4161% | 3,053 |
| Memoranda: | ||
| Average total assets | $121,031,000 | 4,432 |
| Average earning assets | $111,865,500 | 4,388 |
| Average equity | $11,127,500 | 4,794 |
| Average total loans | $63,211,500 | 4,689 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 5,240 |
| Cost of funding earning assets | 0.6743% | 5,689 |
| Net interest margin | 3.7799% | 3,925 |
| Noninterest income to average assets | 0.6553% | 2,856 |
| Noninterest expense to average assets | 2.8342% | 4,221 |
| Loan and lease loss provision to assets | 0.1060% | 5,264 |
| Net operating income to assets | 1.1561% | 1,655 |
| Return on assets (ROA) | 1.1561% | 1,762 |
| Pretax return on assets | 1.1561% | 2,626 |
| Return on Equity (ROE) | 12.2611% | 1,341 |
| Retained earnings to average equity (ytd only) | 4.7864% | 2,796 |
| Net charge-offs to loans | 0.1608% | 4,857 |
| Credit loss provision to net charge-offs | 126.3158% | 2,461 |
| Earnings coverage of net charge-offs (x) | 15.0421% | 1,421 |
| Efficiency ratio | 69.1893% | 4,113 |
| Assets per employee ($millions) | 3.7332% | 4,479 |
| Cash dividends to net income (ytd only)* | 60.9626% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,596 |
| Loan loss allowance to noncurrent loans | 6,500.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 3,243 |
| Noncurrent loans to loans | 0.0178% | 6,783 |
| Net loans and leases to total assets | 51.1682% | 5,444 |
| Net loans and leases to deposits | 56.5024% | 5,838 |
| Net loans and leases to core deposits | 56.9594% | 6,083 |
| Total domestic deposits to total assets | 90.5593% | 687 |
| Equity capital to assets | 9.1603% | 5,344 |
| Core capital (leverage) ratio | 8.8423% | 5,033 |
| Tier 1 risk-based capital ratio | 16.3377% | 2,892 |
| Total risk-based capital ratio | 17.4386% | 2,925 |
| Memoranda: | ||
| Average total assets | $113,223,800 | 4,564 |
| Average earning assets | $103,071,600 | 4,560 |
| Average equity | $10,676,000 | 4,864 |
| Average total loans | $59,085,600 | 4,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 5,122 |
| Cost of funding earning assets | 0.6937% | 5,808 |
| Net interest margin | 3.8463% | 3,634 |
| Noninterest income to average assets | 0.6937% | 2,644 |
| Noninterest expense to average assets | 2.8466% | 4,159 |
| Loan and lease loss provision to assets | 0.1075% | 5,094 |
| Net operating income to assets | 1.2287% | 1,580 |
| Return on assets (ROA) | 1.2287% | 1,684 |
| Pretax return on assets | 1.2287% | 2,527 |
| Return on Equity (ROE) | 12.9318% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.3537% | 2,947 |
| Net charge-offs to loans | 0.1872% | 4,300 |
| Credit loss provision to net charge-offs | 109.7561% | 3,010 |
| Earnings coverage of net charge-offs (x) | 13.6464% | 1,599 |
| Efficiency ratio | 68.0560% | 4,299 |
| Assets per employee ($millions) | 3.8577% | 4,174 |
| Cash dividends to net income (ytd only)* | 58.6004% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,642 |
| Loan loss allowance to noncurrent loans | 223.0032% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 3,152 |
| Noncurrent loans to loans | 0.5197% | 5,810 |
| Net loans and leases to total assets | 49.7751% | 5,733 |
| Net loans and leases to deposits | 55.0636% | 6,118 |
| Net loans and leases to core deposits | 55.7683% | 6,336 |
| Total domestic deposits to total assets | 90.3955% | 678 |
| Equity capital to assets | 9.3168% | 5,352 |
| Core capital (leverage) ratio | 9.2169% | 4,600 |
| Tier 1 risk-based capital ratio | 16.6422% | 2,793 |
| Total risk-based capital ratio | 17.7458% | 2,830 |
| Memoranda: | ||
| Average total assets | $111,664,500 | 4,630 |
| Average earning assets | $101,288,500 | 4,634 |
| Average equity | $10,609,250 | 4,891 |
| Average total loans | $58,396,750 | 4,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 5,042 |
| Cost of funding earning assets | 0.7247% | 5,804 |
| Net interest margin | 3.8579% | 3,497 |
| Noninterest income to average assets | 0.6678% | 2,729 |
| Noninterest expense to average assets | 2.9315% | 3,895 |
| Loan and lease loss provision to assets | 0.1101% | 4,924 |
| Net operating income to assets | 1.1319% | 1,784 |
| Return on assets (ROA) | 1.1319% | 1,859 |
| Pretax return on assets | 1.1319% | 2,721 |
| Return on Equity (ROE) | 11.8294% | 1,546 |
| Retained earnings to average equity (ytd only) | 4.7548% | 3,155 |
| Net charge-offs to loans | 0.2526% | 3,619 |
| Credit loss provision to net charge-offs | 82.1918% | 3,704 |
| Earnings coverage of net charge-offs (x) | 9.2740% | 1,945 |
| Efficiency ratio | 70.2418% | 4,063 |
| Assets per employee ($millions) | 3.3925% | 5,220 |
| Cash dividends to net income (ytd only)* | 59.8055% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,764 |
| Loan loss allowance to noncurrent loans | 328.6408% | 968 |
| Noncurrent assets plus other real estate owned to assets | 2.1018% | 3,101 |
| Noncurrent loans to loans | 0.3497% | 6,222 |
| Net loans and leases to total assets | 52.0205% | 5,559 |
| Net loans and leases to deposits | 57.5958% | 5,977 |
| Net loans and leases to core deposits | 57.9465% | 6,277 |
| Total domestic deposits to total assets | 90.3200% | 803 |
| Equity capital to assets | 9.4862% | 4,831 |
| Core capital (leverage) ratio | 9.5074% | 3,949 |
| Tier 1 risk-based capital ratio | 16.6712% | 2,661 |
| Total risk-based capital ratio | 17.7620% | 2,694 |
| Memoranda: | ||
| Average total assets | $109,022,670 | 4,727 |
| Average earning assets | $99,070,330 | 4,730 |
| Average equity | $10,431,670 | 4,942 |
| Average total loans | $57,787,670 | 5,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 4,780 |
| Cost of funding earning assets | 0.7551% | 5,829 |
| Net interest margin | 3.8859% | 3,213 |
| Noninterest income to average assets | 0.6173% | 3,053 |
| Noninterest expense to average assets | 2.9454% | 3,870 |
| Loan and lease loss provision to assets | 0.1116% | 4,618 |
| Net operating income to assets | 1.1008% | 1,842 |
| Return on assets (ROA) | 1.1008% | 1,889 |
| Pretax return on assets | 1.1008% | 2,752 |
| Return on Equity (ROE) | 11.4534% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.4534% | 820 |
| Net charge-offs to loans | 0.0280% | 4,698 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 372 |
| Efficiency ratio | 70.8408% | 4,091 |
| Assets per employee ($millions) | 3.4378% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,399 |
| Loan loss allowance to noncurrent loans | 119.3333% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 2.4612% | 2,767 |
| Noncurrent loans to loans | 1.0469% | 4,960 |
| Net loans and leases to total assets | 53.1049% | 5,435 |
| Net loans and leases to deposits | 58.9838% | 5,828 |
| Net loans and leases to core deposits | 59.3612% | 6,155 |
| Total domestic deposits to total assets | 90.0330% | 1,136 |
| Equity capital to assets | 9.8262% | 3,999 |
| Core capital (leverage) ratio | 9.7259% | 3,488 |
| Tier 1 risk-based capital ratio | 17.3016% | 2,372 |
| Total risk-based capital ratio | 18.4934% | 2,369 |
| Memoranda: | ||
| Average total assets | $107,558,000 | 4,803 |
| Average earning assets | $97,996,500 | 4,788 |
| Average equity | $10,337,500 | 4,957 |
| Average total loans | $57,224,000 | 5,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,338 |
| Cost of funding earning assets | 1.0356% | 5,511 |
| Net interest margin | 3.7866% | 3,999 |
| Noninterest income to average assets | 0.7038% | 2,824 |
| Noninterest expense to average assets | 2.8071% | 4,578 |
| Loan and lease loss provision to assets | 0.1091% | 6,057 |
| Net operating income to assets | 1.2422% | 1,313 |
| Return on assets (ROA) | 1.2422% | 1,383 |
| Pretax return on assets | 1.2422% | 2,094 |
| Return on Equity (ROE) | 13.6333% | 957 |
| Retained earnings to average equity (ytd only) | 6.4374% | 1,591 |
| Net charge-offs to loans | 0.2042% | 5,061 |
| Credit loss provision to net charge-offs | 105.2632% | 4,258 |
| Earnings coverage of net charge-offs (x) | 13.0351% | 1,447 |
| Efficiency ratio | 67.5049% | 4,669 |
| Assets per employee ($millions) | 3.5014% | 4,929 |
| Cash dividends to net income (ytd only)* | 52.7818% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 5,472 |
| Loan loss allowance to noncurrent loans | 420.7317% | 739 |
| Noncurrent assets plus other real estate owned to assets | 1.9937% | 3,353 |
| Noncurrent loans to loans | 0.2870% | 6,483 |
| Net loans and leases to total assets | 52.0038% | 5,906 |
| Net loans and leases to deposits | 57.5755% | 6,296 |
| Net loans and leases to core deposits | 58.0981% | 6,556 |
| Total domestic deposits to total assets | 90.3228% | 923 |
| Equity capital to assets | 9.3999% | 4,548 |
| Core capital (leverage) ratio | 9.1813% | 4,205 |
| Tier 1 risk-based capital ratio | 16.5878% | 2,498 |
| Total risk-based capital ratio | 17.7212% | 2,506 |
| Memoranda: | ||
| Average total assets | $109,970,200 | 4,713 |
| Average earning assets | $100,327,200 | 4,718 |
| Average equity | $10,019,600 | 5,123 |
| Average total loans | $55,816,400 | 5,246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 5,452 |
| Cost of funding earning assets | 1.0948% | 5,445 |
| Net interest margin | 3.7597% | 4,143 |
| Noninterest income to average assets | 0.7311% | 2,634 |
| Noninterest expense to average assets | 2.7590% | 4,643 |
| Loan and lease loss provision to assets | 0.1088% | 5,946 |
| Net operating income to assets | 1.2955% | 1,346 |
| Return on assets (ROA) | 1.2955% | 1,421 |
| Pretax return on assets | 1.2955% | 2,185 |
| Return on Equity (ROE) | 14.3306% | 966 |
| Retained earnings to average equity (ytd only) | 6.9247% | 1,892 |
| Net charge-offs to loans | 0.2066% | 4,706 |
| Credit loss provision to net charge-offs | 104.6512% | 4,095 |
| Earnings coverage of net charge-offs (x) | 13.5120% | 1,576 |
| Efficiency ratio | 66.2700% | 4,806 |
| Assets per employee ($millions) | 3.6268% | 4,675 |
| Cash dividends to net income (ytd only)* | 51.6791% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 5,365 |
| Loan loss allowance to noncurrent loans | 414.4578% | 720 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 3,546 |
| Noncurrent loans to loans | 0.2957% | 6,595 |
| Net loans and leases to total assets | 50.9558% | 6,225 |
| Net loans and leases to deposits | 56.4100% | 6,588 |
| Net loans and leases to core deposits | 57.0667% | 6,788 |
| Total domestic deposits to total assets | 90.3312% | 707 |
| Equity capital to assets | 9.4270% | 4,950 |
| Core capital (leverage) ratio | 9.7153% | 3,602 |
| Tier 1 risk-based capital ratio | 16.4375% | 2,583 |
| Total risk-based capital ratio | 17.5716% | 2,584 |
| Memoranda: | ||
| Average total assets | $110,326,750 | 4,757 |
| Average earning assets | $100,714,000 | 4,764 |
| Average equity | $9,973,750 | 5,203 |
| Average total loans | $55,486,250 | 5,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 5,537 |
| Cost of funding earning assets | 1.1551% | 5,376 |
| Net interest margin | 3.7144% | 4,296 |
| Noninterest income to average assets | 0.7525% | 2,379 |
| Noninterest expense to average assets | 2.7555% | 4,682 |
| Loan and lease loss provision to assets | 0.1083% | 5,830 |
| Net operating income to assets | 1.2776% | 1,367 |
| Return on assets (ROA) | 1.2776% | 1,422 |
| Pretax return on assets | 1.2776% | 2,162 |
| Return on Equity (ROE) | 14.3330% | 967 |
| Retained earnings to average equity (ytd only) | 6.9843% | 1,838 |
| Net charge-offs to loans | 0.2967% | 3,841 |
| Credit loss provision to net charge-offs | 73.1707% | 4,886 |
| Earnings coverage of net charge-offs (x) | 9.3659% | 2,031 |
| Efficiency ratio | 66.5359% | 4,876 |
| Assets per employee ($millions) | 3.5833% | 4,730 |
| Cash dividends to net income (ytd only)* | 51.2712% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,513 |
| Loan loss allowance to noncurrent loans | 1,203.6364% | 293 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 3,751 |
| Noncurrent loans to loans | 0.0988% | 7,068 |
| Net loans and leases to total assets | 49.5179% | 6,490 |
| Net loans and leases to deposits | 54.5517% | 6,824 |
| Net loans and leases to core deposits | 55.6556% | 6,960 |
| Total domestic deposits to total assets | 90.7725% | 575 |
| Equity capital to assets | 9.0529% | 5,365 |
| Core capital (leverage) ratio | 8.7619% | 4,984 |
| Tier 1 risk-based capital ratio | 15.7429% | 2,783 |
| Total risk-based capital ratio | 16.8064% | 2,837 |
| Memoranda: | ||
| Average total assets | $110,834,330 | 4,777 |
| Average earning assets | $101,120,670 | 4,774 |
| Average equity | $9,879,330 | 5,237 |
| Average total loans | $55,271,670 | 5,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 5,505 |
| Cost of funding earning assets | 1.2048% | 5,382 |
| Net interest margin | 3.6856% | 4,326 |
| Noninterest income to average assets | 0.8021% | 2,011 |
| Noninterest expense to average assets | 2.7820% | 4,553 |
| Loan and lease loss provision to assets | 0.1084% | 5,540 |
| Net operating income to assets | 1.2718% | 1,357 |
| Return on assets (ROA) | 1.2718% | 1,430 |
| Pretax return on assets | 1.2718% | 2,134 |
| Return on Equity (ROE) | 14.3806% | 977 |
| Retained earnings to average equity (ytd only) | 14.3806% | 463 |
| Net charge-offs to loans | 0.5375% | 2,455 |
| Credit loss provision to net charge-offs | 40.5405% | 4,630 |
| Earnings coverage of net charge-offs (x) | 5.1622% | 2,451 |
| Efficiency ratio | 66.8403% | 4,948 |
| Assets per employee ($millions) | 3.5932% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,746 |
| Loan loss allowance to noncurrent loans | 4,266.6667% | 87 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 3,838 |
| Noncurrent loans to loans | 0.0271% | 7,347 |
| Net loans and leases to total assets | 49.1700% | 6,559 |
| Net loans and leases to deposits | 54.0629% | 6,915 |
| Net loans and leases to core deposits | 55.8969% | 7,003 |
| Total domestic deposits to total assets | 90.9497% | 570 |
| Equity capital to assets | 8.9470% | 5,354 |
| Core capital (leverage) ratio | 8.9086% | 4,717 |
| Tier 1 risk-based capital ratio | 15.5543% | 2,849 |
| Total risk-based capital ratio | 16.5694% | 2,909 |
| Memoranda: | ||
| Average total assets | $110,711,000 | 4,855 |
| Average earning assets | $100,933,000 | 4,850 |
| Average equity | $9,791,000 | 5,296 |
| Average total loans | $55,074,000 | 5,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 5,108 |
| Cost of funding earning assets | 1.6336% | 4,871 |
| Net interest margin | 3.6808% | 4,214 |
| Noninterest income to average assets | 0.7025% | 2,953 |
| Noninterest expense to average assets | 2.9569% | 4,319 |
| Loan and lease loss provision to assets | 0.0972% | 6,645 |
| Net operating income to assets | 0.9990% | 1,848 |
| Return on assets (ROA) | 0.9990% | 1,889 |
| Pretax return on assets | 0.9990% | 2,597 |
| Return on Equity (ROE) | 11.2955% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.6933% | 1,072 |
| Net charge-offs to loans | 0.1100% | 6,061 |
| Credit loss provision to net charge-offs | 172.8814% | 2,453 |
| Earnings coverage of net charge-offs (x) | 19.4915% | 1,080 |
| Efficiency ratio | 72.9539% | 4,104 |
| Assets per employee ($millions) | 3.4385% | 5,161 |
| Cash dividends to net income (ytd only)* | 40.7443% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,056 |
| Loan loss allowance to noncurrent loans | 363.8298% | 898 |
| Noncurrent assets plus other real estate owned to assets | 1.9830% | 3,418 |
| Noncurrent loans to loans | 0.3435% | 6,591 |
| Net loans and leases to total assets | 49.1253% | 6,716 |
| Net loans and leases to deposits | 53.9375% | 7,055 |
| Net loans and leases to core deposits | 72.3556% | 6,630 |
| Total domestic deposits to total assets | 91.0781% | 504 |
| Equity capital to assets | 8.7392% | 5,531 |
| Core capital (leverage) ratio | 9.0601% | 4,324 |
| Tier 1 risk-based capital ratio | 15.0399% | 2,915 |
| Total risk-based capital ratio | 16.1280% | 2,957 |
| Memoranda: | ||
| Average total assets | $104,905,400 | 4,963 |
| Average earning assets | $95,496,000 | 4,961 |
| Average equity | $9,278,000 | 5,519 |
| Average total loans | $53,646,800 | 5,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 5,085 |
| Cost of funding earning assets | 1.7016% | 4,891 |
| Net interest margin | 3.6700% | 4,205 |
| Noninterest income to average assets | 0.7115% | 2,942 |
| Noninterest expense to average assets | 2.9156% | 4,382 |
| Loan and lease loss provision to assets | 0.0695% | 6,666 |
| Net operating income to assets | 1.0705% | 1,827 |
| Return on assets (ROA) | 1.0705% | 1,878 |
| Pretax return on assets | 1.0705% | 2,671 |
| Return on Equity (ROE) | 12.0662% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.4254% | 1,338 |
| Net charge-offs to loans | 0.1299% | 5,396 |
| Credit loss provision to net charge-offs | 103.8462% | 4,900 |
| Earnings coverage of net charge-offs (x) | 17.0388% | 1,428 |
| Efficiency ratio | 71.8909% | 4,260 |
| Assets per employee ($millions) | 3.4300% | 5,097 |
| Cash dividends to net income (ytd only)* | 38.4617% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,282 |
| Loan loss allowance to noncurrent loans | 347.5676% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.9853% | 3,367 |
| Noncurrent loans to loans | 0.3374% | 6,686 |
| Net loans and leases to total assets | 49.3691% | 6,838 |
| Net loans and leases to deposits | 54.1680% | 7,200 |
| Net loans and leases to core deposits | 71.1723% | 6,901 |
| Total domestic deposits to total assets | 91.1406% | 367 |
| Equity capital to assets | 8.6544% | 6,027 |
| Core capital (leverage) ratio | 8.9970% | 4,653 |
| Tier 1 risk-based capital ratio | 14.9053% | 3,086 |
| Total risk-based capital ratio | 15.9308% | 3,131 |
| Memoranda: | ||
| Average total assets | $103,623,500 | 5,028 |
| Average earning assets | $94,421,250 | 5,027 |
| Average equity | $9,193,500 | 5,595 |
| Average total loans | $53,374,000 | 5,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 4,951 |
| Cost of funding earning assets | 1.7737% | 4,892 |
| Net interest margin | 3.6644% | 4,100 |
| Noninterest income to average assets | 0.7423% | 2,744 |
| Noninterest expense to average assets | 2.9790% | 4,164 |
| Loan and lease loss provision to assets | 0.0709% | 6,488 |
| Net operating income to assets | 1.0238% | 2,026 |
| Return on assets (ROA) | 1.0238% | 2,111 |
| Pretax return on assets | 1.0238% | 2,912 |
| Return on Equity (ROE) | 11.4390% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.8634% | 1,634 |
| Net charge-offs to loans | 0.0113% | 6,405 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 185.3333% | 220 |
| Efficiency ratio | 73.1271% | 4,170 |
| Assets per employee ($millions) | 3.3287% | 5,244 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,622 |
| Loan loss allowance to noncurrent loans | 387.3563% | 814 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 3,149 |
| Noncurrent loans to loans | 0.3221% | 6,703 |
| Net loans and leases to total assets | 50.0840% | 6,862 |
| Net loans and leases to deposits | 54.9503% | 7,223 |
| Net loans and leases to core deposits | 71.0136% | 6,968 |
| Total domestic deposits to total assets | 91.1443% | 418 |
| Equity capital to assets | 8.6585% | 5,810 |
| Core capital (leverage) ratio | 8.9008% | 4,783 |
| Tier 1 risk-based capital ratio | 14.7441% | 3,126 |
| Total risk-based capital ratio | 15.8307% | 3,143 |
| Memoranda: | ||
| Average total assets | $101,578,330 | 5,120 |
| Average earning assets | $92,348,000 | 5,109 |
| Average equity | $9,091,670 | 5,653 |
| Average total loans | $52,888,670 | 5,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5595% | 4,586 |
| Cost of funding earning assets | 1.8888% | 4,691 |
| Net interest margin | 3.6707% | 4,014 |
| Noninterest income to average assets | 0.7103% | 2,823 |
| Noninterest expense to average assets | 2.9503% | 3,973 |
| Loan and lease loss provision to assets | 0.0726% | 6,051 |
| Net operating income to assets | 1.0130% | 2,257 |
| Return on assets (ROA) | 1.0130% | 2,397 |
| Pretax return on assets | 1.0130% | 3,302 |
| Return on Equity (ROE) | 11.1234% | 1,932 |
| Retained earnings to average equity (ytd only) | 11.1234% | 944 |
| Net charge-offs to loans | 0.0229% | 5,235 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 478 |
| Efficiency ratio | 73.1000% | 3,991 |
| Assets per employee ($millions) | 2.9987% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,512 |
| Loan loss allowance to noncurrent loans | 300.9174% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 6,176 |
| Noncurrent loans to loans | 0.4128% | 6,388 |
| Net loans and leases to total assets | 52.7052% | 6,616 |
| Net loans and leases to deposits | 58.2007% | 7,022 |
| Net loans and leases to core deposits | 74.8583% | 6,754 |
| Total domestic deposits to total assets | 90.5576% | 568 |
| Equity capital to assets | 9.2655% | 4,988 |
| Core capital (leverage) ratio | 9.1733% | 4,445 |
| Tier 1 risk-based capital ratio | 15.1800% | 2,982 |
| Total risk-based capital ratio | 16.2762% | 2,993 |
| Memoranda: | ||
| Average total assets | $99,108,000 | 5,203 |
| Average earning assets | $89,792,500 | 5,228 |
| Average equity | $9,026,000 | 5,697 |
| Average total loans | $52,321,500 | 5,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 5,235 |
| Cost of funding earning assets | 2.3953% | 4,733 |
| Net interest margin | 3.6686% | 4,605 |
| Noninterest income to average assets | 0.8312% | 2,342 |
| Noninterest expense to average assets | 2.9690% | 4,187 |
| Loan and lease loss provision to assets | 0.0754% | 6,460 |
| Net operating income to assets | 1.0626% | 2,296 |
| Return on assets (ROA) | 1.0626% | 2,203 |
| Pretax return on assets | 1.0626% | 3,174 |
| Return on Equity (ROE) | 11.8580% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.1031% | 1,121 |
| Net charge-offs to loans | 0.1022% | 5,289 |
| Credit loss provision to net charge-offs | 144.0000% | 3,670 |
| Earnings coverage of net charge-offs (x) | 21.7400% | 1,512 |
| Efficiency ratio | 72.2916% | 3,881 |
| Assets per employee ($millions) | 3.2019% | 5,483 |
| Cash dividends to net income (ytd only)* | 40.0985% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,253 |
| Loan loss allowance to noncurrent loans | 187.9765% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 6,224 |
| Noncurrent loans to loans | 0.6579% | 5,390 |
| Net loans and leases to total assets | 51.5727% | 6,886 |
| Net loans and leases to deposits | 56.8216% | 7,275 |
| Net loans and leases to core deposits | 71.7288% | 7,095 |
| Total domestic deposits to total assets | 90.7625% | 399 |
| Equity capital to assets | 8.9494% | 5,435 |
| Core capital (leverage) ratio | 8.8621% | 4,951 |
| Tier 1 risk-based capital ratio | 14.8556% | 3,124 |
| Total risk-based capital ratio | 15.9337% | 3,131 |
| Memoranda: | ||
| Average total assets | $95,520,200 | 5,185 |
| Average earning assets | $85,291,000 | 5,255 |
| Average equity | $8,559,600 | 5,886 |
| Average total loans | $48,905,200 | 5,743 |