Home > The First National Bank of Carrollton > Performance and Condition Ratios
The First National Bank of Carrollton, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4889% | 6,697 |
| Cost of funding earning assets | 0.2842% | 5,855 |
| Net interest margin | 2.2047% | 6,645 |
| Noninterest income to average assets | 0.2438% | 5,689 |
| Noninterest expense to average assets | 1.8647% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4420% | 5,058 |
| Return on assets (ROA) | 0.4420% | 5,197 |
| Pretax return on assets | 0.4367% | 5,536 |
| Return on Equity (ROE) | 4.5328% | 4,968 |
| Retained earnings to average equity (ytd only) | 0.3847% | 5,815 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0244% | 1,967 |
| Assets per employee ($millions) | 5.9296% | 1,289 |
| Cash dividends to net income (ytd only)* | 91.5178% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3887% | 1,057 |
| Loan loss allowance to noncurrent loans | 191.0714% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 4,307 |
| Noncurrent loans to loans | 1.2502% | 3,314 |
| Net loans and leases to total assets | 27.6514% | 6,609 |
| Net loans and leases to deposits | 31.1538% | 6,638 |
| Net loans and leases to core deposits | 31.1538% | 6,662 |
| Total domestic deposits to total assets | 88.7577% | 1,689 |
| Equity capital to assets | 10.0217% | 3,873 |
| Core capital (leverage) ratio | 9.8742% | 3,858 |
| Tier 1 risk-based capital ratio | 23.2194% | 1,109 |
| Total risk-based capital ratio | 24.4542% | 1,091 |
| Memoranda: | ||
| Average total assets | $49,766,500 | 6,088 |
| Average earning assets | $46,444,500 | 6,040 |
| Average equity | $4,853,250 | 6,179 |
| Average total loans | $13,849,000 | 6,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4477% | 6,753 |
| Cost of funding earning assets | 0.3012% | 5,820 |
| Net interest margin | 2.1465% | 6,714 |
| Noninterest income to average assets | 0.2532% | 5,636 |
| Noninterest expense to average assets | 1.6580% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6054% | 4,251 |
| Return on assets (ROA) | 0.6054% | 4,433 |
| Pretax return on assets | 0.5975% | 5,021 |
| Return on Equity (ROE) | 6.2624% | 4,008 |
| Retained earnings to average equity (ytd only) | 3.1926% | 4,280 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5088% | 3,225 |
| Assets per employee ($millions) | 5.4218% | 1,667 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 1,098 |
| Loan loss allowance to noncurrent loans | 433.7838% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 5,001 |
| Noncurrent loans to loans | 0.5522% | 4,879 |
| Net loans and leases to total assets | 26.8034% | 6,661 |
| Net loans and leases to deposits | 30.0197% | 6,700 |
| Net loans and leases to core deposits | 30.0197% | 6,719 |
| Total domestic deposits to total assets | 89.2860% | 1,458 |
| Equity capital to assets | 9.5541% | 4,510 |
| Core capital (leverage) ratio | 9.5318% | 4,194 |
| Tier 1 risk-based capital ratio | 23.3244% | 1,086 |
| Total risk-based capital ratio | 24.5435% | 1,073 |
| Memoranda: | ||
| Average total assets | $50,543,000 | 6,116 |
| Average earning assets | $47,146,330 | 6,068 |
| Average equity | $4,886,330 | 6,217 |
| Average total loans | $13,986,000 | 6,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5665% | 6,794 |
| Cost of funding earning assets | 0.3113% | 5,882 |
| Net interest margin | 2.2552% | 6,721 |
| Noninterest income to average assets | 0.2645% | 5,567 |
| Noninterest expense to average assets | 1.6882% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6768% | 3,798 |
| Return on assets (ROA) | 0.6768% | 3,957 |
| Pretax return on assets | 0.6613% | 4,747 |
| Return on Equity (ROE) | 6.9621% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.9621% | 2,171 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8543% | 3,643 |
| Assets per employee ($millions) | 5.1496% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 1,350 |
| Loan loss allowance to noncurrent loans | 422.3684% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 5,175 |
| Noncurrent loans to loans | 0.5538% | 5,055 |
| Net loans and leases to total assets | 26.0273% | 6,727 |
| Net loans and leases to deposits | 29.3436% | 6,760 |
| Net loans and leases to core deposits | 29.3436% | 6,779 |
| Total domestic deposits to total assets | 88.6982% | 1,871 |
| Equity capital to assets | 9.7444% | 4,507 |
| Core capital (leverage) ratio | 9.1396% | 4,654 |
| Tier 1 risk-based capital ratio | 22.8684% | 1,176 |
| Total risk-based capital ratio | 24.0947% | 1,162 |
| Memoranda: | ||
| Average total assets | $51,416,500 | 6,144 |
| Average earning assets | $47,535,500 | 6,109 |
| Average equity | $4,998,500 | 6,244 |
| Average total loans | $14,279,000 | 6,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0013% | 6,774 |
| Cost of funding earning assets | 0.3933% | 5,965 |
| Net interest margin | 2.6081% | 6,628 |
| Noninterest income to average assets | 0.2549% | 5,639 |
| Noninterest expense to average assets | 1.8833% | 6,512 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7752% | 3,387 |
| Return on assets (ROA) | 0.7752% | 3,642 |
| Pretax return on assets | 0.7605% | 4,445 |
| Return on Equity (ROE) | 7.2863% | 3,470 |
| Retained earnings to average equity (ytd only) | 1.7226% | 4,998 |
| Net charge-offs to loans | 0.0348% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 72.2000% | 514 |
| Efficiency ratio | 71.2351% | 3,583 |
| Assets per employee ($millions) | 5.1337% | 2,060 |
| Cash dividends to net income (ytd only)* | 76.3587% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1639% | 1,619 |
| Loan loss allowance to noncurrent loans | 411.5385% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 5,248 |
| Noncurrent loans to loans | 0.5258% | 5,215 |
| Net loans and leases to total assets | 28.2701% | 6,756 |
| Net loans and leases to deposits | 32.0496% | 6,788 |
| Net loans and leases to core deposits | 32.2561% | 6,803 |
| Total domestic deposits to total assets | 88.2073% | 2,089 |
| Equity capital to assets | 9.6987% | 4,592 |
| Core capital (leverage) ratio | 9.4940% | 4,112 |
| Tier 1 risk-based capital ratio | 21.6710% | 1,325 |
| Total risk-based capital ratio | 22.9101% | 1,303 |
| Memoranda: | ||
| Average total assets | $47,469,400 | 6,280 |
| Average earning assets | $43,480,600 | 6,251 |
| Average equity | $5,050,600 | 6,275 |
| Average total loans | $14,371,400 | 6,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0809% | 6,860 |
| Cost of funding earning assets | 0.4125% | 6,046 |
| Net interest margin | 2.6685% | 6,685 |
| Noninterest income to average assets | 0.2552% | 5,741 |
| Noninterest expense to average assets | 1.8665% | 6,587 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8573% | 3,182 |
| Return on assets (ROA) | 0.8573% | 3,432 |
| Pretax return on assets | 0.8372% | 4,350 |
| Return on Equity (ROE) | 7.8654% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.0511% | 4,038 |
| Net charge-offs to loans | 0.0281% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 97.3300% | 435 |
| Efficiency ratio | 69.0350% | 3,873 |
| Assets per employee ($millions) | 5.0986% | 2,054 |
| Cash dividends to net income (ytd only)* | 48.4950% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 1,559 |
| Loan loss allowance to noncurrent loans | 408.8608% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 5,298 |
| Noncurrent loans to loans | 0.5576% | 5,329 |
| Net loans and leases to total assets | 30.1741% | 6,810 |
| Net loans and leases to deposits | 35.0523% | 6,834 |
| Net loans and leases to core deposits | 35.2755% | 6,872 |
| Total domestic deposits to total assets | 86.0832% | 3,205 |
| Equity capital to assets | 11.3082% | 2,927 |
| Core capital (leverage) ratio | 10.7100% | 2,689 |
| Tier 1 risk-based capital ratio | 23.3265% | 1,125 |
| Total risk-based capital ratio | 24.6123% | 1,098 |
| Memoranda: | ||
| Average total assets | $46,502,500 | 6,381 |
| Average earning assets | $42,670,250 | 6,358 |
| Average equity | $5,068,500 | 6,340 |
| Average total loans | $14,255,750 | 6,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1256% | 6,918 |
| Cost of funding earning assets | 0.4316% | 6,089 |
| Net interest margin | 2.6940% | 6,713 |
| Noninterest income to average assets | 0.2569% | 5,740 |
| Noninterest expense to average assets | 1.8883% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8307% | 3,238 |
| Return on assets (ROA) | 0.8307% | 3,505 |
| Pretax return on assets | 0.8007% | 4,470 |
| Return on Equity (ROE) | 7.7163% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.5343% | 3,587 |
| Net charge-offs to loans | 0.0560% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 772 |
| Efficiency ratio | 70.2229% | 3,729 |
| Assets per employee ($millions) | 4.7723% | 2,476 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 1,636 |
| Loan loss allowance to noncurrent loans | 219.0476% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 4,935 |
| Noncurrent loans to loans | 1.0384% | 4,439 |
| Net loans and leases to total assets | 32.2088% | 6,795 |
| Net loans and leases to deposits | 38.4716% | 6,784 |
| Net loans and leases to core deposits | 38.7409% | 6,844 |
| Total domestic deposits to total assets | 83.7210% | 4,430 |
| Equity capital to assets | 11.7343% | 2,379 |
| Core capital (leverage) ratio | 10.5600% | 2,748 |
| Tier 1 risk-based capital ratio | 23.9666% | 1,016 |
| Total risk-based capital ratio | 25.2631% | 990 |
| Memoranda: | ||
| Average total assets | $46,707,670 | 6,419 |
| Average earning assets | $42,168,330 | 6,412 |
| Average equity | $5,028,330 | 6,382 |
| Average total loans | $14,284,670 | 6,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 6,994 |
| Cost of funding earning assets | 0.4605% | 6,080 |
| Net interest margin | 2.6595% | 6,822 |
| Noninterest income to average assets | 0.2388% | 5,918 |
| Noninterest expense to average assets | 1.7371% | 6,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8891% | 2,973 |
| Return on assets (ROA) | 0.8891% | 3,196 |
| Pretax return on assets | 0.8315% | 4,295 |
| Return on Equity (ROE) | 8.6013% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.6013% | 1,731 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6282% | 4,246 |
| Assets per employee ($millions) | 5.2318% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,503 |
| Loan loss allowance to noncurrent loans | 301.8519% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 5,311 |
| Noncurrent loans to loans | 0.7953% | 5,083 |
| Net loans and leases to total assets | 28.1464% | 6,973 |
| Net loans and leases to deposits | 32.5139% | 6,996 |
| Net loans and leases to core deposits | 32.5139% | 7,027 |
| Total domestic deposits to total assets | 86.5671% | 3,197 |
| Equity capital to assets | 10.7760% | 3,179 |
| Core capital (leverage) ratio | 9.6751% | 3,803 |
| Tier 1 risk-based capital ratio | 24.0106% | 1,001 |
| Total risk-based capital ratio | 25.3111% | 985 |
| Memoranda: | ||
| Average total assets | $48,586,000 | 6,415 |
| Average earning assets | $42,564,500 | 6,437 |
| Average equity | $5,022,500 | 6,423 |
| Average total loans | $14,349,000 | 6,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 6,986 |
| Cost of funding earning assets | 0.5464% | 6,357 |
| Net interest margin | 2.9719% | 6,574 |
| Noninterest income to average assets | 0.2455% | 5,782 |
| Noninterest expense to average assets | 1.8683% | 6,865 |
| Loan and lease loss provision to assets | 0.0458% | 6,004 |
| Net operating income to assets | 1.0091% | 2,166 |
| Return on assets (ROA) | 1.0091% | 2,309 |
| Pretax return on assets | 1.0132% | 3,193 |
| Return on Equity (ROE) | 9.7747% | 2,134 |
| Retained earnings to average equity (ytd only) | 2.3983% | 4,509 |
| Net charge-offs to loans | 0.4232% | 3,310 |
| Credit loss provision to net charge-offs | 32.8358% | 5,747 |
| Earnings coverage of net charge-offs (x) | 7.5970% | 2,308 |
| Efficiency ratio | 63.8237% | 5,156 |
| Assets per employee ($millions) | 5.5651% | 1,564 |
| Cash dividends to net income (ytd only)* | 75.4639% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1562% | 1,885 |
| Loan loss allowance to noncurrent loans | 207.6433% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 5,263 |
| Noncurrent loans to loans | 1.0384% | 4,631 |
| Net loans and leases to total assets | 29.5352% | 7,028 |
| Net loans and leases to deposits | 33.7262% | 7,053 |
| Net loans and leases to core deposits | 33.7262% | 7,082 |
| Total domestic deposits to total assets | 87.5734% | 2,428 |
| Equity capital to assets | 9.9249% | 4,263 |
| Core capital (leverage) ratio | 9.6363% | 3,818 |
| Tier 1 risk-based capital ratio | 22.0581% | 1,230 |
| Total risk-based capital ratio | 23.3528% | 1,197 |
| Memoranda: | ||
| Average total assets | $48,064,400 | 6,421 |
| Average earning assets | $43,372,800 | 6,406 |
| Average equity | $4,961,800 | 6,456 |
| Average total loans | $15,831,000 | 6,862 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 7,038 |
| Cost of funding earning assets | 0.5626% | 6,462 |
| Net interest margin | 3.0253% | 6,530 |
| Noninterest income to average assets | 0.2579% | 5,775 |
| Noninterest expense to average assets | 1.8727% | 6,887 |
| Loan and lease loss provision to assets | 0.0617% | 5,677 |
| Net operating income to assets | 1.0821% | 2,034 |
| Return on assets (ROA) | 1.0821% | 2,178 |
| Pretax return on assets | 1.0821% | 3,085 |
| Return on Equity (ROE) | 10.3771% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.1080% | 3,102 |
| Net charge-offs to loans | 0.5580% | 2,566 |
| Credit loss provision to net charge-offs | 32.8358% | 5,374 |
| Earnings coverage of net charge-offs (x) | 6.0897% | 2,625 |
| Efficiency ratio | 62.0818% | 5,395 |
| Assets per employee ($millions) | 5.0246% | 2,163 |
| Cash dividends to net income (ytd only)* | 50.7782% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 2,055 |
| Loan loss allowance to noncurrent loans | 132.1138% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 5,663 |
| Noncurrent loans to loans | 1.5931% | 3,909 |
| Net loans and leases to total assets | 33.4292% | 6,978 |
| Net loans and leases to deposits | 38.9915% | 7,007 |
| Net loans and leases to core deposits | 38.9915% | 7,065 |
| Total domestic deposits to total assets | 85.7345% | 3,359 |
| Equity capital to assets | 11.3752% | 2,798 |
| Core capital (leverage) ratio | 9.9885% | 3,461 |
| Tier 1 risk-based capital ratio | 22.6002% | 1,204 |
| Total risk-based capital ratio | 23.8968% | 1,174 |
| Memoranda: | ||
| Average total assets | $47,559,000 | 6,496 |
| Average earning assets | $43,367,250 | 6,468 |
| Average equity | $4,959,500 | 6,512 |
| Average total loans | $16,009,000 | 6,915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6254% | 7,080 |
| Cost of funding earning assets | 0.5634% | 6,617 |
| Net interest margin | 3.0621% | 6,484 |
| Noninterest income to average assets | 0.2441% | 5,900 |
| Noninterest expense to average assets | 1.8743% | 6,980 |
| Loan and lease loss provision to assets | 0.0910% | 5,179 |
| Net operating income to assets | 1.0799% | 1,935 |
| Return on assets (ROA) | 1.0799% | 2,031 |
| Pretax return on assets | 1.0675% | 2,977 |
| Return on Equity (ROE) | 10.6574% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.0433% | 2,404 |
| Net charge-offs to loans | 0.7902% | 1,925 |
| Credit loss provision to net charge-offs | 34.3750% | 4,923 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 2,873 |
| Efficiency ratio | 61.8008% | 5,614 |
| Assets per employee ($millions) | 5.3149% | 1,743 |
| Cash dividends to net income (ytd only)* | 43.2950% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 2,085 |
| Loan loss allowance to noncurrent loans | 123.7736% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 5,744 |
| Noncurrent loans to loans | 1.7102% | 3,874 |
| Net loans and leases to total assets | 31.7076% | 7,124 |
| Net loans and leases to deposits | 36.6149% | 7,165 |
| Net loans and leases to core deposits | 37.8013% | 7,176 |
| Total domestic deposits to total assets | 86.5974% | 2,989 |
| Equity capital to assets | 10.6723% | 3,313 |
| Core capital (leverage) ratio | 9.7865% | 3,536 |
| Tier 1 risk-based capital ratio | 22.1791% | 1,229 |
| Total risk-based capital ratio | 23.4776% | 1,194 |
| Memoranda: | ||
| Average total assets | $48,338,330 | 6,529 |
| Average earning assets | $44,022,330 | 6,508 |
| Average equity | $4,898,000 | 6,566 |
| Average total loans | $16,198,000 | 6,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 7,092 |
| Cost of funding earning assets | 0.5626% | 6,757 |
| Net interest margin | 3.1075% | 6,332 |
| Noninterest income to average assets | 0.2305% | 6,070 |
| Noninterest expense to average assets | 1.8851% | 7,014 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2513% | 1,387 |
| Return on assets (ROA) | 1.2513% | 1,441 |
| Pretax return on assets | 1.2101% | 2,338 |
| Return on Equity (ROE) | 12.6812% | 1,278 |
| Retained earnings to average equity (ytd only) | 12.6812% | 641 |
| Net charge-offs to loans | -0.0242% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9043% | 5,846 |
| Assets per employee ($millions) | 4.7018% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 1,679 |
| Loan loss allowance to noncurrent loans | 118.5304% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 5,537 |
| Noncurrent loans to loans | 1.9828% | 3,595 |
| Net loans and leases to total assets | 32.7853% | 7,137 |
| Net loans and leases to deposits | 37.7569% | 7,173 |
| Net loans and leases to core deposits | 38.9987% | 7,193 |
| Total domestic deposits to total assets | 86.8327% | 3,032 |
| Equity capital to assets | 10.3620% | 3,335 |
| Core capital (leverage) ratio | 9.1453% | 4,381 |
| Tier 1 risk-based capital ratio | 21.9511% | 1,238 |
| Total risk-based capital ratio | 23.2493% | 1,200 |
| Memoranda: | ||
| Average total assets | $48,590,500 | 6,567 |
| Average earning assets | $44,794,500 | 6,532 |
| Average equity | $4,794,500 | 6,620 |
| Average total loans | $16,549,500 | 7,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 6,935 |
| Cost of funding earning assets | 0.6776% | 6,939 |
| Net interest margin | 3.5155% | 5,189 |
| Noninterest income to average assets | 0.2901% | 5,710 |
| Noninterest expense to average assets | 2.0481% | 6,947 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5631% | 669 |
| Return on assets (ROA) | 1.5631% | 729 |
| Pretax return on assets | 1.5891% | 1,148 |
| Return on Equity (ROE) | 14.7311% | 755 |
| Retained earnings to average equity (ytd only) | 4.0194% | 3,051 |
| Net charge-offs to loans | 0.0618% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 66.7273% | 361 |
| Efficiency ratio | 56.3095% | 6,561 |
| Assets per employee ($millions) | 5.0163% | 2,138 |
| Cash dividends to net income (ytd only)* | 72.7147% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 1,986 |
| Loan loss allowance to noncurrent loans | 117.0886% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 5,682 |
| Noncurrent loans to loans | 1.8252% | 3,784 |
| Net loans and leases to total assets | 33.7759% | 7,238 |
| Net loans and leases to deposits | 38.5261% | 7,293 |
| Net loans and leases to core deposits | 39.6996% | 7,309 |
| Total domestic deposits to total assets | 87.6702% | 2,442 |
| Equity capital to assets | 9.4033% | 4,546 |
| Core capital (leverage) ratio | 9.4196% | 3,818 |
| Tier 1 risk-based capital ratio | 19.3105% | 1,635 |
| Total risk-based capital ratio | 20.5990% | 1,599 |
| Memoranda: | ||
| Average total assets | $46,190,200 | 6,661 |
| Average earning assets | $43,976,400 | 6,580 |
| Average equity | $4,901,200 | 6,702 |
| Average total loans | $17,804,200 | 7,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 6,925 |
| Cost of funding earning assets | 0.7050% | 7,047 |
| Net interest margin | 3.6264% | 4,748 |
| Noninterest income to average assets | 0.3245% | 5,560 |
| Noninterest expense to average assets | 2.0178% | 7,021 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7552% | 559 |
| Return on assets (ROA) | 1.7552% | 610 |
| Pretax return on assets | 1.7818% | 961 |
| Return on Equity (ROE) | 16.0354% | 698 |
| Retained earnings to average equity (ytd only) | 9.0014% | 1,052 |
| Net charge-offs to loans | 0.0744% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 60.4134% | 483 |
| Efficiency ratio | 53.1056% | 6,881 |
| Assets per employee ($millions) | 4.4992% | 2,909 |
| Cash dividends to net income (ytd only)* | 43.8656% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 1,964 |
| Loan loss allowance to noncurrent loans | 475.6410% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,818 |
| Noncurrent loans to loans | 0.4449% | 6,303 |
| Net loans and leases to total assets | 38.1468% | 7,177 |
| Net loans and leases to deposits | 44.7104% | 7,215 |
| Net loans and leases to core deposits | 46.2777% | 7,260 |
| Total domestic deposits to total assets | 85.3196% | 3,453 |
| Equity capital to assets | 11.3665% | 2,637 |
| Core capital (leverage) ratio | 10.4529% | 2,739 |
| Tier 1 risk-based capital ratio | 20.5308% | 1,440 |
| Total risk-based capital ratio | 21.8201% | 1,414 |
| Memoranda: | ||
| Average total assets | $45,197,000 | 6,775 |
| Average earning assets | $43,311,500 | 6,684 |
| Average equity | $4,947,250 | 6,769 |
| Average total loans | $17,927,000 | 7,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 6,996 |
| Cost of funding earning assets | 0.7204% | 7,141 |
| Net interest margin | 3.6110% | 4,767 |
| Noninterest income to average assets | 0.3181% | 5,609 |
| Noninterest expense to average assets | 2.0987% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6481% | 650 |
| Return on assets (ROA) | 1.6481% | 696 |
| Pretax return on assets | 1.6746% | 1,106 |
| Return on Equity (ROE) | 15.2504% | 808 |
| Retained earnings to average equity (ytd only) | 9.7308% | 907 |
| Net charge-offs to loans | 0.1108% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 37.9000% | 760 |
| Efficiency ratio | 55.6206% | 6,687 |
| Assets per employee ($millions) | 4.4101% | 3,038 |
| Cash dividends to net income (ytd only)* | 36.1930% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 1,857 |
| Loan loss allowance to noncurrent loans | 118.5304% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 5,614 |
| Noncurrent loans to loans | 1.8165% | 3,982 |
| Net loans and leases to total assets | 38.2304% | 7,258 |
| Net loans and leases to deposits | 44.9288% | 7,291 |
| Net loans and leases to core deposits | 46.5412% | 7,329 |
| Total domestic deposits to total assets | 85.0910% | 3,580 |
| Equity capital to assets | 11.4011% | 2,521 |
| Core capital (leverage) ratio | 10.2385% | 2,900 |
| Tier 1 risk-based capital ratio | 20.5412% | 1,421 |
| Total risk-based capital ratio | 21.8307% | 1,384 |
| Memoranda: | ||
| Average total assets | $45,265,330 | 6,821 |
| Average earning assets | $43,312,000 | 6,730 |
| Average equity | $4,891,670 | 6,817 |
| Average total loans | $18,058,000 | 7,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 6,980 |
| Cost of funding earning assets | 0.7140% | 7,303 |
| Net interest margin | 3.6984% | 4,256 |
| Noninterest income to average assets | 0.3054% | 5,695 |
| Noninterest expense to average assets | 2.1288% | 6,865 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6838% | 635 |
| Return on assets (ROA) | 1.6838% | 687 |
| Pretax return on assets | 1.7013% | 1,056 |
| Return on Equity (ROE) | 16.0050% | 718 |
| Retained earnings to average equity (ytd only) | 16.0050% | 341 |
| Net charge-offs to loans | 0.2599% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,338 |
| Efficiency ratio | 55.5809% | 6,830 |
| Assets per employee ($millions) | 4.3995% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0786% | 1,998 |
| Loan loss allowance to noncurrent loans | 78.1780% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 4,997 |
| Noncurrent loans to loans | 2.6589% | 3,014 |
| Net loans and leases to total assets | 39.5113% | 7,281 |
| Net loans and leases to deposits | 46.3151% | 7,322 |
| Net loans and leases to core deposits | 47.9769% | 7,363 |
| Total domestic deposits to total assets | 85.3097% | 3,501 |
| Equity capital to assets | 11.1422% | 2,643 |
| Core capital (leverage) ratio | 9.4246% | 3,885 |
| Tier 1 risk-based capital ratio | 19.6913% | 1,583 |
| Total risk-based capital ratio | 20.9445% | 1,550 |
| Memoranda: | ||
| Average total assets | $45,847,500 | 6,880 |
| Average earning assets | $43,695,000 | 6,789 |
| Average equity | $4,823,500 | 6,901 |
| Average total loans | $18,471,500 | 7,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 6,640 |
| Cost of funding earning assets | 0.9056% | 7,395 |
| Net interest margin | 4.0239% | 2,767 |
| Noninterest income to average assets | 0.3042% | 5,920 |
| Noninterest expense to average assets | 2.1027% | 7,182 |
| Loan and lease loss provision to assets | -0.7382% | 8,010 |
| Net operating income to assets | 2.8387% | 63 |
| Return on assets (ROA) | 1.7202% | 449 |
| Pretax return on assets | 1.6777% | 823 |
| Return on Equity (ROE) | 16.1629% | 537 |
| Retained earnings to average equity (ytd only) | 4.3297% | 2,204 |
| Net charge-offs to loans | 0.0801% | 6,309 |
| Credit loss provision to net charge-offs | -2,357.1429% | 7,480 |
| Earnings coverage of net charge-offs (x) | 65.7143% | 413 |
| Efficiency ratio | 50.5376% | 7,506 |
| Assets per employee ($millions) | 4.7700% | 2,519 |
| Cash dividends to net income (ytd only)* | 73.2120% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 2,068 |
| Loan loss allowance to noncurrent loans | 115.4545% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 5,457 |
| Noncurrent loans to loans | 1.7196% | 4,059 |
| Net loans and leases to total assets | 39.4340% | 7,375 |
| Net loans and leases to deposits | 45.5437% | 7,463 |
| Net loans and leases to core deposits | 48.4981% | 7,620 |
| Total domestic deposits to total assets | 86.5849% | 2,710 |
| Equity capital to assets | 9.9476% | 3,836 |
| Core capital (leverage) ratio | 9.7127% | 3,437 |
| Tier 1 risk-based capital ratio | 17.1752% | 2,109 |
| Total risk-based capital ratio | 18.4300% | 2,065 |
| Memoranda: | ||
| Average total assets | $44,703,800 | 6,920 |
| Average earning assets | $42,844,000 | 6,823 |
| Average equity | $4,757,800 | 7,041 |
| Average total loans | $17,481,400 | 7,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 6,441 |
| Cost of funding earning assets | 0.9644% | 7,458 |
| Net interest margin | 4.0884% | 2,452 |
| Noninterest income to average assets | 0.3033% | 6,054 |
| Noninterest expense to average assets | 2.0111% | 7,360 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2720% | 158 |
| Return on assets (ROA) | 2.2720% | 175 |
| Pretax return on assets | 2.2143% | 334 |
| Return on Equity (ROE) | 20.9754% | 260 |
| Retained earnings to average equity (ytd only) | 11.8740% | 358 |
| Net charge-offs to loans | 0.1016% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 56.1633% | 582 |
| Efficiency ratio | 47.5951% | 7,678 |
| Assets per employee ($millions) | 3.8855% | 3,977 |
| Cash dividends to net income (ytd only)* | 43.3910% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7072% | 358 |
| Loan loss allowance to noncurrent loans | 282.5397% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 5,840 |
| Noncurrent loans to loans | 1.3121% | 4,747 |
| Net loans and leases to total assets | 43.2699% | 7,296 |
| Net loans and leases to deposits | 51.6044% | 7,321 |
| Net loans and leases to core deposits | 55.9966% | 7,540 |
| Total domestic deposits to total assets | 83.8492% | 3,793 |
| Equity capital to assets | 11.8949% | 2,294 |
| Core capital (leverage) ratio | 10.4925% | 2,799 |
| Tier 1 risk-based capital ratio | 18.6875% | 1,820 |
| Total risk-based capital ratio | 19.9618% | 1,774 |
| Memoranda: | ||
| Average total assets | $43,954,750 | 6,999 |
| Average earning assets | $42,166,750 | 6,902 |
| Average equity | $4,761,000 | 7,093 |
| Average total loans | $17,054,000 | 7,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 6,572 |
| Cost of funding earning assets | 0.9974% | 7,554 |
| Net interest margin | 4.0650% | 2,449 |
| Noninterest income to average assets | 0.2750% | 6,297 |
| Noninterest expense to average assets | 2.0018% | 7,462 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2543% | 174 |
| Return on assets (ROA) | 2.2543% | 194 |
| Pretax return on assets | 2.1687% | 385 |
| Return on Equity (ROE) | 21.4900% | 261 |
| Retained earnings to average equity (ytd only) | 14.4843% | 230 |
| Net charge-offs to loans | -0.0122% | 7,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0000% | 7,754 |
| Assets per employee ($millions) | 3.9279% | 3,822 |
| Cash dividends to net income (ytd only)* | 32.6000% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0329% | 250 |
| Loan loss allowance to noncurrent loans | 733.3333% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,928 |
| Noncurrent loans to loans | 0.5499% | 6,168 |
| Net loans and leases to total assets | 39.9843% | 7,556 |
| Net loans and leases to deposits | 47.0967% | 7,591 |
| Net loans and leases to core deposits | 51.1548% | 7,736 |
| Total domestic deposits to total assets | 84.8983% | 3,315 |
| Equity capital to assets | 11.1718% | 2,774 |
| Core capital (leverage) ratio | 10.1595% | 3,137 |
| Tier 1 risk-based capital ratio | 18.7912% | 1,819 |
| Total risk-based capital ratio | 20.0638% | 1,770 |
| Memoranda: | ||
| Average total assets | $44,359,330 | 7,045 |
| Average earning assets | $42,509,330 | 6,946 |
| Average equity | $4,653,330 | 7,192 |
| Average total loans | $16,336,670 | 7,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 7,239 |
| Cost of funding earning assets | 0.9969% | 7,677 |
| Net interest margin | 3.8757% | 3,161 |
| Noninterest income to average assets | 0.2581% | 6,383 |
| Noninterest expense to average assets | 1.8426% | 7,642 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2966% | 192 |
| Return on assets (ROA) | 2.2966% | 227 |
| Pretax return on assets | 2.1186% | 519 |
| Return on Equity (ROE) | 22.5994% | 281 |
| Retained earnings to average equity (ytd only) | 22.5994% | 120 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5169% | 7,819 |
| Assets per employee ($millions) | 4.3484% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6765% | 131 |
| Loan loss allowance to noncurrent loans | 145.2906% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 4,379 |
| Noncurrent loans to loans | 3.2187% | 2,010 |
| Net loans and leases to total assets | 33.9849% | 7,802 |
| Net loans and leases to deposits | 38.6676% | 7,885 |
| Net loans and leases to core deposits | 42.0475% | 7,943 |
| Total domestic deposits to total assets | 87.8898% | 1,797 |
| Equity capital to assets | 10.9029% | 3,067 |
| Core capital (leverage) ratio | 9.2926% | 4,257 |
| Tier 1 risk-based capital ratio | 20.5285% | 1,520 |
| Total risk-based capital ratio | 21.8071% | 1,488 |
| Memoranda: | ||
| Average total assets | $44,935,500 | 7,065 |
| Average earning assets | $42,934,500 | 6,978 |
| Average equity | $4,566,500 | 7,266 |
| Average total loans | $15,504,000 | 7,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 2,342 |
| Cost of funding earning assets | 1.7467% | 7,140 |
| Net interest margin | 4.8830% | 650 |
| Noninterest income to average assets | 0.3483% | 5,952 |
| Noninterest expense to average assets | 2.0406% | 7,369 |
| Loan and lease loss provision to assets | -0.3335% | 8,286 |
| Net operating income to assets | 3.1734% | 61 |
| Return on assets (ROA) | 3.0560% | 64 |
| Pretax return on assets | 3.1474% | 87 |
| Return on Equity (ROE) | 31.1775% | 50 |
| Retained earnings to average equity (ytd only) | 11.7451% | 245 |
| Net charge-offs to loans | -0.8987% | 8,232 |
| Credit loss provision to net charge-offs | 96.4286% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0129% | 8,105 |
| Assets per employee ($millions) | 3.8656% | 3,820 |
| Cash dividends to net income (ytd only)* | 62.3282% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6759% | 121 |
| Loan loss allowance to noncurrent loans | 100.6944% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 3,120 |
| Noncurrent loans to loans | 4.6437% | 1,017 |
| Net loans and leases to total assets | 31.8624% | 7,950 |
| Net loans and leases to deposits | 35.7861% | 8,029 |
| Net loans and leases to core deposits | 38.1843% | 8,081 |
| Total domestic deposits to total assets | 89.0357% | 1,028 |
| Equity capital to assets | 9.4682% | 4,735 |
| Core capital (leverage) ratio | 9.7991% | 3,643 |
| Tier 1 risk-based capital ratio | 19.2395% | 1,765 |
| Total risk-based capital ratio | 20.5180% | 1,714 |
| Memoranda: | ||
| Average total assets | $40,478,400 | 7,192 |
| Average earning assets | $38,357,600 | 7,117 |
| Average equity | $3,967,600 | 7,522 |
| Average total loans | $15,577,400 | 7,614 |