Home > The First National Bank of Chrisman > Performance and Condition Ratios
The First National Bank of Chrisman, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9378% | 5,961 |
| Cost of funding earning assets | 0.2476% | 5,050 |
| Net interest margin | 2.6902% | 5,818 |
| Noninterest income to average assets | 0.1625% | 5,762 |
| Noninterest expense to average assets | 2.4693% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2816% | 5,476 |
| Return on assets (ROA) | 0.2816% | 5,572 |
| Pretax return on assets | 0.2816% | 5,687 |
| Return on Equity (ROE) | 2.6866% | 5,478 |
| Retained earnings to average equity (ytd only) | -3.5133% | 5,832 |
| Net charge-offs to loans | 0.2845% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 2,859 |
| Efficiency ratio | 89.7638% | 864 |
| Assets per employee ($millions) | 3.7015% | 4,511 |
| Cash dividends to net income (ytd only)* | 230.7692% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 4,028 |
| Loan loss allowance to noncurrent loans | 39.9632% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 1,606 |
| Noncurrent loans to loans | 2.9819% | 730 |
| Net loans and leases to total assets | 48.6100% | 4,972 |
| Net loans and leases to deposits | 54.2906% | 5,172 |
| Net loans and leases to core deposits | 55.4621% | 5,283 |
| Total domestic deposits to total assets | 89.5367% | 976 |
| Equity capital to assets | 10.4120% | 3,633 |
| Core capital (leverage) ratio | 10.0278% | 3,559 |
| Tier 1 risk-based capital ratio | 20.2087% | 1,573 |
| Total risk-based capital ratio | 21.3465% | 1,560 |
| Memoranda: | ||
| Average total assets | $36,933,500 | 6,029 |
| Average earning assets | $35,536,500 | 5,977 |
| Average equity | $3,871,000 | 6,069 |
| Average total loans | $19,681,500 | 5,909 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8584% | 6,163 |
| Cost of funding earning assets | 0.2183% | 5,605 |
| Net interest margin | 2.6401% | 6,021 |
| Noninterest income to average assets | 0.1599% | 5,905 |
| Noninterest expense to average assets | 2.3172% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3908% | 5,250 |
| Return on assets (ROA) | 0.3908% | 5,318 |
| Pretax return on assets | 0.3908% | 5,507 |
| Return on Equity (ROE) | 4.0556% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.0556% | 3,321 |
| Net charge-offs to loans | -0.0148% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5670% | 1,219 |
| Assets per employee ($millions) | 3.6852% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,574 |
| Loan loss allowance to noncurrent loans | 42.7778% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 1,690 |
| Noncurrent loans to loans | 2.5528% | 988 |
| Net loans and leases to total assets | 56.7730% | 4,229 |
| Net loans and leases to deposits | 64.9389% | 4,437 |
| Net loans and leases to core deposits | 65.5492% | 4,700 |
| Total domestic deposits to total assets | 87.4254% | 2,072 |
| Equity capital to assets | 10.5503% | 3,418 |
| Core capital (leverage) ratio | 10.1788% | 3,335 |
| Tier 1 risk-based capital ratio | 15.6654% | 3,145 |
| Total risk-based capital ratio | 16.5962% | 3,249 |
| Memoranda: | ||
| Average total assets | $39,401,800 | 6,051 |
| Average earning assets | $38,028,200 | 5,985 |
| Average equity | $3,797,200 | 6,129 |
| Average total loans | $20,229,000 | 5,952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7661% | 6,302 |
| Cost of funding earning assets | 0.2207% | 5,658 |
| Net interest margin | 2.5453% | 6,189 |
| Noninterest income to average assets | 0.1565% | 5,971 |
| Noninterest expense to average assets | 2.3110% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3030% | 5,567 |
| Return on assets (ROA) | 0.3030% | 5,645 |
| Pretax return on assets | 0.3030% | 5,768 |
| Return on Equity (ROE) | 3.2145% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.2145% | 4,345 |
| Net charge-offs to loans | -0.0200% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4076% | 964 |
| Assets per employee ($millions) | 3.8482% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 4,673 |
| Loan loss allowance to noncurrent loans | 43.0168% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 2,020 |
| Noncurrent loans to loans | 2.5966% | 1,104 |
| Net loans and leases to total assets | 53.1417% | 4,677 |
| Net loans and leases to deposits | 61.0812% | 4,837 |
| Net loans and leases to core deposits | 61.0812% | 5,113 |
| Total domestic deposits to total assets | 87.0017% | 2,322 |
| Equity capital to assets | 9.9423% | 4,239 |
| Core capital (leverage) ratio | 9.8317% | 3,904 |
| Tier 1 risk-based capital ratio | 15.4636% | 3,346 |
| Total risk-based capital ratio | 16.3972% | 3,442 |
| Memoranda: | ||
| Average total assets | $40,039,250 | 6,113 |
| Average earning assets | $38,658,250 | 6,034 |
| Average equity | $3,774,500 | 6,204 |
| Average total loans | $19,998,000 | 6,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7004% | 6,392 |
| Cost of funding earning assets | 0.2246% | 5,705 |
| Net interest margin | 2.4758% | 6,303 |
| Noninterest income to average assets | 0.1529% | 6,028 |
| Noninterest expense to average assets | 2.2881% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2564% | 5,695 |
| Return on assets (ROA) | 0.2564% | 5,772 |
| Pretax return on assets | 0.2564% | 5,858 |
| Return on Equity (ROE) | 2.7679% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.7679% | 4,438 |
| Net charge-offs to loans | -0.0202% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9225% | 923 |
| Assets per employee ($millions) | 3.9310% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 4,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 5,780 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.9748% | 5,082 |
| Net loans and leases to deposits | 55.3935% | 5,246 |
| Net loans and leases to core deposits | 55.3935% | 5,449 |
| Total domestic deposits to total assets | 88.4126% | 1,676 |
| Equity capital to assets | 9.6311% | 4,582 |
| Core capital (leverage) ratio | 9.3643% | 4,512 |
| Tier 1 risk-based capital ratio | 15.1981% | 3,529 |
| Total risk-based capital ratio | 16.1214% | 3,649 |
| Memoranda: | ||
| Average total assets | $40,558,330 | 6,156 |
| Average earning assets | $39,179,000 | 6,071 |
| Average equity | $3,757,330 | 6,252 |
| Average total loans | $19,770,330 | 6,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6686% | 6,484 |
| Cost of funding earning assets | 0.2316% | 5,738 |
| Net interest margin | 2.4370% | 6,389 |
| Noninterest income to average assets | 0.1068% | 6,310 |
| Noninterest expense to average assets | 2.2825% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1748% | 5,867 |
| Return on assets (ROA) | 0.1748% | 5,913 |
| Pretax return on assets | 0.1748% | 5,967 |
| Return on Equity (ROE) | 1.9236% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.9236% | 4,824 |
| Net charge-offs to loans | -0.0201% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8854% | 822 |
| Assets per employee ($millions) | 4.0910% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,338 |
| Loan loss allowance to noncurrent loans | 2,290.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 5,813 |
| Noncurrent loans to loans | 0.0549% | 5,988 |
| Net loans and leases to total assets | 43.9575% | 5,520 |
| Net loans and leases to deposits | 49.2375% | 5,651 |
| Net loans and leases to core deposits | 49.2375% | 5,809 |
| Total domestic deposits to total assets | 89.2765% | 1,487 |
| Equity capital to assets | 9.1714% | 4,907 |
| Core capital (leverage) ratio | 8.9365% | 5,092 |
| Tier 1 risk-based capital ratio | 15.4511% | 3,467 |
| Total risk-based capital ratio | 16.3942% | 3,591 |
| Memoranda: | ||
| Average total assets | $41,182,500 | 6,192 |
| Average earning assets | $39,721,500 | 6,106 |
| Average equity | $3,743,000 | 6,297 |
| Average total loans | $19,914,500 | 6,139 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8860% | 6,433 |
| Cost of funding earning assets | 0.2752% | 5,795 |
| Net interest margin | 2.6108% | 6,252 |
| Noninterest income to average assets | 0.1930% | 5,934 |
| Noninterest expense to average assets | 2.2948% | 5,401 |
| Loan and lease loss provision to assets | 0.0357% | 4,406 |
| Net operating income to assets | 0.3717% | 5,254 |
| Return on assets (ROA) | 0.3717% | 5,365 |
| Pretax return on assets | 0.3717% | 5,554 |
| Return on Equity (ROE) | 4.1881% | 5,018 |
| Retained earnings to average equity (ytd only) | 0.9665% | 5,406 |
| Net charge-offs to loans | -0.0049% | 5,932 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9206% | 1,528 |
| Assets per employee ($millions) | 4.1455% | 3,541 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,323 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 5,908 |
| Noncurrent loans to loans | 0.0370% | 6,136 |
| Net loans and leases to total assets | 51.5957% | 4,909 |
| Net loans and leases to deposits | 59.2756% | 5,006 |
| Net loans and leases to core deposits | 65.8447% | 4,710 |
| Total domestic deposits to total assets | 87.0438% | 2,700 |
| Equity capital to assets | 9.0074% | 5,027 |
| Core capital (leverage) ratio | 8.8239% | 5,243 |
| Tier 1 risk-based capital ratio | 15.4508% | 3,405 |
| Total risk-based capital ratio | 16.3943% | 3,525 |
| Memoranda: | ||
| Average total assets | $41,964,800 | 6,229 |
| Average earning assets | $40,332,000 | 6,161 |
| Average equity | $3,724,800 | 6,386 |
| Average total loans | $20,233,400 | 6,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 6,543 |
| Cost of funding earning assets | 0.2707% | 5,955 |
| Net interest margin | 2.5716% | 6,348 |
| Noninterest income to average assets | 0.1806% | 6,113 |
| Noninterest expense to average assets | 2.2458% | 5,490 |
| Loan and lease loss provision to assets | 0.0475% | 4,064 |
| Net operating income to assets | 0.3548% | 5,423 |
| Return on assets (ROA) | 0.3548% | 5,553 |
| Pretax return on assets | 0.3548% | 5,735 |
| Return on Equity (ROE) | 4.0116% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.2206% | 4,991 |
| Net charge-offs to loans | -0.0201% | 6,044 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8086% | 1,499 |
| Assets per employee ($millions) | 4.3172% | 3,190 |
| Cash dividends to net income (ytd only)* | 44.6461% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 5,464 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 5,833 |
| Noncurrent loans to loans | 0.0463% | 6,207 |
| Net loans and leases to total assets | 49.4811% | 5,195 |
| Net loans and leases to deposits | 58.4700% | 5,143 |
| Net loans and leases to core deposits | 64.1829% | 4,884 |
| Total domestic deposits to total assets | 84.6266% | 3,918 |
| Equity capital to assets | 8.7093% | 5,509 |
| Core capital (leverage) ratio | 8.8437% | 5,338 |
| Tier 1 risk-based capital ratio | 14.5590% | 4,041 |
| Total risk-based capital ratio | 15.4495% | 4,232 |
| Memoranda: | ||
| Average total assets | $42,092,250 | 6,296 |
| Average earning assets | $40,389,000 | 6,227 |
| Average equity | $3,722,500 | 6,462 |
| Average total loans | $19,887,500 | 6,275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8300% | 6,590 |
| Cost of funding earning assets | 0.2705% | 6,047 |
| Net interest margin | 2.5595% | 6,374 |
| Noninterest income to average assets | 0.1725% | 6,178 |
| Noninterest expense to average assets | 2.2668% | 5,458 |
| Loan and lease loss provision to assets | 0.0719% | 3,601 |
| Net operating income to assets | 0.2828% | 5,653 |
| Return on assets (ROA) | 0.2828% | 5,794 |
| Pretax return on assets | 0.2828% | 5,916 |
| Return on Equity (ROE) | 3.1806% | 5,555 |
| Retained earnings to average equity (ytd only) | 0.4852% | 5,704 |
| Net charge-offs to loans | -0.0104% | 5,777 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4717% | 1,367 |
| Assets per employee ($millions) | 3.8475% | 4,116 |
| Cash dividends to net income (ytd only)* | 84.7458% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 5,952 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.7676% | 5,668 |
| Net loans and leases to deposits | 52.3297% | 5,659 |
| Net loans and leases to core deposits | 52.6950% | 5,836 |
| Total domestic deposits to total assets | 85.5492% | 3,614 |
| Equity capital to assets | 8.7565% | 5,485 |
| Core capital (leverage) ratio | 8.8331% | 5,244 |
| Tier 1 risk-based capital ratio | 14.9641% | 3,800 |
| Total risk-based capital ratio | 15.8847% | 3,971 |
| Memoranda: | ||
| Average total assets | $41,732,330 | 6,354 |
| Average earning assets | $39,929,670 | 6,285 |
| Average equity | $3,710,000 | 6,516 |
| Average total loans | $19,319,330 | 6,338 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8652% | 6,640 |
| Cost of funding earning assets | 0.2936% | 6,017 |
| Net interest margin | 2.5716% | 6,413 |
| Noninterest income to average assets | 0.1448% | 6,376 |
| Noninterest expense to average assets | 2.3361% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2606% | 5,694 |
| Return on assets (ROA) | 0.2606% | 5,817 |
| Pretax return on assets | 0.2606% | 5,931 |
| Return on Equity (ROE) | 2.9095% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.9095% | 4,538 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9628% | 1,149 |
| Assets per employee ($millions) | 3.7110% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 6,006 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.6496% | 5,788 |
| Net loans and leases to deposits | 47.7510% | 5,940 |
| Net loans and leases to core deposits | 47.7510% | 6,105 |
| Total domestic deposits to total assets | 89.3168% | 1,478 |
| Equity capital to assets | 9.1277% | 5,338 |
| Core capital (leverage) ratio | 9.0283% | 4,839 |
| Tier 1 risk-based capital ratio | 15.3726% | 3,608 |
| Total risk-based capital ratio | 16.2513% | 3,794 |
| Memoranda: | ||
| Average total assets | $41,437,000 | 6,423 |
| Average earning assets | $39,509,000 | 6,349 |
| Average equity | $3,712,000 | 6,585 |
| Average total loans | $19,391,500 | 6,392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 6,639 |
| Cost of funding earning assets | 0.3981% | 5,934 |
| Net interest margin | 2.8404% | 6,335 |
| Noninterest income to average assets | 0.1614% | 6,228 |
| Noninterest expense to average assets | 2.2600% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6237% | 4,121 |
| Return on assets (ROA) | 0.6237% | 4,383 |
| Pretax return on assets | 0.6237% | 4,917 |
| Return on Equity (ROE) | 5.6321% | 4,353 |
| Retained earnings to average equity (ytd only) | -19.8339% | 6,848 |
| Net charge-offs to loans | 0.0442% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,044 |
| Efficiency ratio | 78.3715% | 2,382 |
| Assets per employee ($millions) | 3.8230% | 4,322 |
| Cash dividends to net income (ytd only)* | 452.1569% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,103 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.8133% | 5,193 |
| Net loans and leases to deposits | 59.9731% | 5,026 |
| Net loans and leases to core deposits | 60.8476% | 5,288 |
| Total domestic deposits to total assets | 83.0595% | 4,696 |
| Equity capital to assets | 8.7937% | 5,752 |
| Core capital (leverage) ratio | 9.0107% | 4,880 |
| Tier 1 risk-based capital ratio | 13.7467% | 4,565 |
| Total risk-based capital ratio | 14.5348% | 4,856 |
| Memoranda: | ||
| Average total assets | $40,885,800 | 6,475 |
| Average earning assets | $39,185,000 | 6,386 |
| Average equity | $4,527,600 | 6,435 |
| Average total loans | $20,352,200 | 6,410 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2979% | 6,730 |
| Cost of funding earning assets | 0.4075% | 6,077 |
| Net interest margin | 2.8904% | 6,376 |
| Noninterest income to average assets | 0.1380% | 6,452 |
| Noninterest expense to average assets | 2.2926% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6175% | 4,309 |
| Return on assets (ROA) | 0.6175% | 4,566 |
| Pretax return on assets | 0.6175% | 5,117 |
| Return on Equity (ROE) | 5.2938% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.5069% | 5,934 |
| Net charge-offs to loans | 0.0530% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.4920% | 1,313 |
| Efficiency ratio | 78.7810% | 2,266 |
| Assets per employee ($millions) | 3.6596% | 4,631 |
| Cash dividends to net income (ytd only)* | 90.4253% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,613 |
| Loan loss allowance to noncurrent loans | 1,936.3636% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,164 |
| Noncurrent loans to loans | 0.0581% | 6,472 |
| Net loans and leases to total assets | 46.4825% | 5,712 |
| Net loans and leases to deposits | 53.6437% | 5,832 |
| Net loans and leases to core deposits | 54.0325% | 6,043 |
| Total domestic deposits to total assets | 86.6504% | 2,882 |
| Equity capital to assets | 11.7349% | 2,500 |
| Core capital (leverage) ratio | 11.7679% | 1,794 |
| Tier 1 risk-based capital ratio | 19.3337% | 1,915 |
| Total risk-based capital ratio | 20.2055% | 1,994 |
| Memoranda: | ||
| Average total assets | $40,594,000 | 6,566 |
| Average earning assets | $38,932,750 | 6,471 |
| Average equity | $4,735,000 | 6,450 |
| Average total loans | $20,150,250 | 6,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 6,771 |
| Cost of funding earning assets | 0.4310% | 6,092 |
| Net interest margin | 2.9244% | 6,388 |
| Noninterest income to average assets | 0.1425% | 6,485 |
| Noninterest expense to average assets | 2.2797% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6633% | 4,046 |
| Return on assets (ROA) | 0.6633% | 4,308 |
| Pretax return on assets | 0.6633% | 4,932 |
| Return on Equity (ROE) | 5.6978% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.0551% | 5,654 |
| Net charge-offs to loans | 0.0876% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,672 |
| Efficiency ratio | 77.4624% | 2,525 |
| Assets per employee ($millions) | 3.7557% | 4,411 |
| Cash dividends to net income (ytd only)* | 81.4815% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,835 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 6,240 |
| Noncurrent loans to loans | 0.0612% | 6,515 |
| Net loans and leases to total assets | 46.9416% | 5,731 |
| Net loans and leases to deposits | 53.3654% | 5,922 |
| Net loans and leases to core deposits | 53.7366% | 6,109 |
| Total domestic deposits to total assets | 87.9626% | 2,168 |
| Equity capital to assets | 11.4516% | 2,635 |
| Core capital (leverage) ratio | 11.7845% | 1,736 |
| Tier 1 risk-based capital ratio | 18.5865% | 2,109 |
| Total risk-based capital ratio | 19.4233% | 2,209 |
| Memoranda: | ||
| Average total assets | $40,706,670 | 6,607 |
| Average earning assets | $38,982,000 | 6,511 |
| Average equity | $4,738,670 | 6,471 |
| Average total loans | $20,558,670 | 6,538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4695% | 6,729 |
| Cost of funding earning assets | 0.4633% | 6,061 |
| Net interest margin | 3.0062% | 6,286 |
| Noninterest income to average assets | 0.1485% | 6,494 |
| Noninterest expense to average assets | 2.3166% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7227% | 3,767 |
| Return on assets (ROA) | 0.7227% | 3,993 |
| Pretax return on assets | 0.7227% | 4,718 |
| Return on Equity (ROE) | 6.1571% | 4,210 |
| Retained earnings to average equity (ytd only) | 6.1571% | 2,865 |
| Net charge-offs to loans | 0.1711% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 1,999 |
| Efficiency ratio | 76.2215% | 2,758 |
| Assets per employee ($millions) | 3.3659% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,714 |
| Loan loss allowance to noncurrent loans | 1,630.7692% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 6,328 |
| Noncurrent loans to loans | 0.0705% | 6,577 |
| Net loans and leases to total assets | 45.1363% | 5,883 |
| Net loans and leases to deposits | 51.5408% | 6,024 |
| Net loans and leases to core deposits | 51.5408% | 6,240 |
| Total domestic deposits to total assets | 87.5740% | 2,606 |
| Equity capital to assets | 11.8318% | 2,159 |
| Core capital (leverage) ratio | 11.8430% | 1,680 |
| Tier 1 risk-based capital ratio | 20.3839% | 1,622 |
| Total risk-based capital ratio | 21.2881% | 1,675 |
| Memoranda: | ||
| Average total assets | $40,403,500 | 6,671 |
| Average earning assets | $38,853,000 | 6,568 |
| Average equity | $4,742,500 | 6,502 |
| Average total loans | $21,035,000 | 6,559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 6,447 |
| Cost of funding earning assets | 0.5898% | 6,135 |
| Net interest margin | 3.4120% | 5,446 |
| Noninterest income to average assets | 0.1396% | 6,457 |
| Noninterest expense to average assets | 2.3629% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0507% | 2,000 |
| Return on assets (ROA) | 1.0507% | 2,143 |
| Pretax return on assets | 1.0507% | 3,030 |
| Return on Equity (ROE) | 8.8659% | 2,513 |
| Retained earnings to average equity (ytd only) | 0.0857% | 5,792 |
| Net charge-offs to loans | 0.0045% | 6,380 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 81 |
| Efficiency ratio | 69.2193% | 4,106 |
| Assets per employee ($millions) | 3.3680% | 5,328 |
| Cash dividends to net income (ytd only)* | 99.0338% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,443 |
| Loan loss allowance to noncurrent loans | 850.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 6,334 |
| Noncurrent loans to loans | 0.1100% | 6,538 |
| Net loans and leases to total assets | 57.9127% | 4,380 |
| Net loans and leases to deposits | 69.6027% | 4,169 |
| Net loans and leases to core deposits | 74.0485% | 4,235 |
| Total domestic deposits to total assets | 83.2047% | 4,665 |
| Equity capital to assets | 11.6439% | 2,389 |
| Core capital (leverage) ratio | 11.7424% | 1,741 |
| Tier 1 risk-based capital ratio | 16.8505% | 2,669 |
| Total risk-based capital ratio | 17.6418% | 2,838 |
| Memoranda: | ||
| Average total assets | $39,400,600 | 6,697 |
| Average earning assets | $37,807,400 | 6,612 |
| Average equity | $4,669,600 | 6,543 |
| Average total loans | $22,013,400 | 6,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 6,591 |
| Cost of funding earning assets | 0.6138% | 6,223 |
| Net interest margin | 3.3846% | 5,624 |
| Noninterest income to average assets | 0.1294% | 6,609 |
| Noninterest expense to average assets | 2.3637% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0150% | 2,269 |
| Return on assets (ROA) | 1.0150% | 2,426 |
| Pretax return on assets | 1.0150% | 3,354 |
| Return on Equity (ROE) | 8.5253% | 2,807 |
| Retained earnings to average equity (ytd only) | -1.9167% | 6,287 |
| Net charge-offs to loans | 0.0062% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 298.7368% | 126 |
| Efficiency ratio | 69.9597% | 3,963 |
| Assets per employee ($millions) | 3.2496% | 5,571 |
| Cash dividends to net income (ytd only)* | 122.4831% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,348 |
| Loan loss allowance to noncurrent loans | 960.8696% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 6,420 |
| Noncurrent loans to loans | 0.1021% | 6,674 |
| Net loans and leases to total assets | 57.1868% | 4,648 |
| Net loans and leases to deposits | 64.9937% | 5,048 |
| Net loans and leases to core deposits | 69.0445% | 5,061 |
| Total domestic deposits to total assets | 87.9882% | 2,037 |
| Equity capital to assets | 11.8887% | 2,342 |
| Core capital (leverage) ratio | 11.5017% | 2,024 |
| Tier 1 risk-based capital ratio | 16.8625% | 2,687 |
| Total risk-based capital ratio | 17.6663% | 2,872 |
| Memoranda: | ||
| Average total assets | $39,146,750 | 6,763 |
| Average earning assets | $37,581,000 | 6,676 |
| Average equity | $4,660,500 | 6,598 |
| Average total loans | $21,610,000 | 6,641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 6,776 |
| Cost of funding earning assets | 0.6325% | 6,307 |
| Net interest margin | 3.2900% | 5,885 |
| Noninterest income to average assets | 0.1276% | 6,691 |
| Noninterest expense to average assets | 2.3624% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9235% | 2,543 |
| Return on assets (ROA) | 0.9235% | 2,649 |
| Pretax return on assets | 0.9235% | 3,538 |
| Return on Equity (ROE) | 7.7538% | 3,071 |
| Retained earnings to average equity (ytd only) | -2.5275% | 6,312 |
| Net charge-offs to loans | 0.0094% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 204 |
| Efficiency ratio | 71.8944% | 3,755 |
| Assets per employee ($millions) | 3.3561% | 5,311 |
| Cash dividends to net income (ytd only)* | 132.5967% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,289 |
| Loan loss allowance to noncurrent loans | 1,105.0000% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,524 |
| Noncurrent loans to loans | 0.0913% | 6,749 |
| Net loans and leases to total assets | 53.8500% | 5,313 |
| Net loans and leases to deposits | 61.1194% | 5,605 |
| Net loans and leases to core deposits | 64.7818% | 5,631 |
| Total domestic deposits to total assets | 88.1062% | 2,075 |
| Equity capital to assets | 11.5263% | 2,483 |
| Core capital (leverage) ratio | 11.5738% | 1,857 |
| Tier 1 risk-based capital ratio | 16.6213% | 2,687 |
| Total risk-based capital ratio | 17.4126% | 2,869 |
| Memoranda: | ||
| Average total assets | $39,197,330 | 6,817 |
| Average earning assets | $37,629,670 | 6,735 |
| Average equity | $4,668,670 | 6,635 |
| Average total loans | $21,306,330 | 6,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 6,927 |
| Cost of funding earning assets | 0.6476% | 6,391 |
| Net interest margin | 3.1730% | 6,159 |
| Noninterest income to average assets | 0.1242% | 6,796 |
| Noninterest expense to average assets | 2.4418% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7243% | 3,407 |
| Return on assets (ROA) | 0.7243% | 3,470 |
| Pretax return on assets | 0.7243% | 4,202 |
| Return on Equity (ROE) | 5.9804% | 3,913 |
| Retained earnings to average equity (ytd only) | -3.4173% | 6,351 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1242% | 2,966 |
| Assets per employee ($millions) | 3.3203% | 5,431 |
| Cash dividends to net income (ytd only)* | 157.1429% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,112 |
| Loan loss allowance to noncurrent loans | 1,013.6364% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 6,561 |
| Noncurrent loans to loans | 0.1069% | 6,784 |
| Net loans and leases to total assets | 51.1006% | 5,703 |
| Net loans and leases to deposits | 58.5226% | 5,877 |
| Net loans and leases to core deposits | 62.0921% | 5,916 |
| Total domestic deposits to total assets | 87.3177% | 2,754 |
| Equity capital to assets | 11.7009% | 2,120 |
| Core capital (leverage) ratio | 12.0787% | 1,519 |
| Tier 1 risk-based capital ratio | 17.5072% | 2,294 |
| Total risk-based capital ratio | 18.3447% | 2,414 |
| Memoranda: | ||
| Average total assets | $38,659,500 | 6,882 |
| Average earning assets | $37,062,500 | 6,804 |
| Average equity | $4,682,000 | 6,662 |
| Average total loans | $21,005,500 | 6,795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 6,552 |
| Cost of funding earning assets | 0.9648% | 5,868 |
| Net interest margin | 3.4699% | 5,362 |
| Noninterest income to average assets | 0.1723% | 6,508 |
| Noninterest expense to average assets | 2.5393% | 5,650 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9452% | 2,219 |
| Return on assets (ROA) | 0.9452% | 2,348 |
| Pretax return on assets | 0.9452% | 3,117 |
| Return on Equity (ROE) | 7.5299% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.1287% | 5,518 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8748% | 3,624 |
| Assets per employee ($millions) | 2.8828% | 6,366 |
| Cash dividends to net income (ytd only)* | 98.2906% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,210 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,682 |
| Noncurrent loans to loans | 0.0280% | 7,066 |
| Net loans and leases to total assets | 56.5855% | 5,248 |
| Net loans and leases to deposits | 65.6675% | 5,439 |
| Net loans and leases to core deposits | 65.6675% | 5,909 |
| Total domestic deposits to total assets | 86.1698% | 3,268 |
| Equity capital to assets | 12.5467% | 1,604 |
| Core capital (leverage) ratio | 12.5170% | 1,308 |
| Tier 1 risk-based capital ratio | 18.1271% | 1,960 |
| Total risk-based capital ratio | 18.9830% | 2,047 |
| Memoranda: | ||
| Average total assets | $37,136,000 | 6,967 |
| Average earning assets | $35,447,200 | 6,897 |
| Average equity | $4,661,400 | 6,769 |
| Average total loans | $21,718,800 | 6,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 6,648 |
| Cost of funding earning assets | 1.0299% | 5,800 |
| Net interest margin | 3.4520% | 5,486 |
| Noninterest income to average assets | 0.1655% | 6,686 |
| Noninterest expense to average assets | 2.4902% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9680% | 2,341 |
| Return on assets (ROA) | 0.9680% | 2,463 |
| Pretax return on assets | 0.9680% | 3,299 |
| Return on Equity (ROE) | 7.7110% | 3,018 |
| Retained earnings to average equity (ytd only) | -2.1786% | 6,233 |
| Net charge-offs to loans | 0.0061% | 6,580 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 269.6692% | 119 |
| Efficiency ratio | 72.0083% | 3,696 |
| Assets per employee ($millions) | 3.0861% | 5,952 |
| Cash dividends to net income (ytd only)* | 128.2524% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 6,118 |
| Loan loss allowance to noncurrent loans | 435.2941% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 6,519 |
| Noncurrent loans to loans | 0.2434% | 6,684 |
| Net loans and leases to total assets | 55.9744% | 5,550 |
| Net loans and leases to deposits | 64.5361% | 5,846 |
| Net loans and leases to core deposits | 64.5361% | 6,253 |
| Total domestic deposits to total assets | 86.7335% | 2,673 |
| Equity capital to assets | 12.4754% | 1,870 |
| Core capital (leverage) ratio | 12.3102% | 1,502 |
| Tier 1 risk-based capital ratio | 18.1818% | 1,975 |
| Total risk-based capital ratio | 19.0555% | 2,041 |
| Memoranda: | ||
| Average total assets | $37,051,000 | 7,051 |
| Average earning assets | $35,341,250 | 6,982 |
| Average equity | $4,651,250 | 6,857 |
| Average total loans | $21,791,500 | 6,922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 6,765 |
| Cost of funding earning assets | 1.0616% | 5,864 |
| Net interest margin | 3.4108% | 5,598 |
| Noninterest income to average assets | 0.1673% | 6,707 |
| Noninterest expense to average assets | 2.4773% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9499% | 2,369 |
| Return on assets (ROA) | 0.9499% | 2,454 |
| Pretax return on assets | 0.9499% | 3,312 |
| Return on Equity (ROE) | 7.5509% | 3,090 |
| Retained earnings to average equity (ytd only) | -3.1748% | 6,323 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2835% | 3,770 |
| Assets per employee ($millions) | 3.3957% | 5,196 |
| Cash dividends to net income (ytd only)* | 142.0455% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 6,183 |
| Loan loss allowance to noncurrent loans | 693.7500% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,683 |
| Noncurrent loans to loans | 0.1512% | 6,960 |
| Net loans and leases to total assets | 56.0838% | 5,688 |
| Net loans and leases to deposits | 64.5817% | 5,971 |
| Net loans and leases to core deposits | 64.5817% | 6,355 |
| Total domestic deposits to total assets | 86.8418% | 2,627 |
| Equity capital to assets | 12.3738% | 1,884 |
| Core capital (leverage) ratio | 12.4117% | 1,442 |
| Tier 1 risk-based capital ratio | 18.1640% | 1,916 |
| Total risk-based capital ratio | 19.0364% | 1,976 |
| Memoranda: | ||
| Average total assets | $37,057,000 | 7,110 |
| Average earning assets | $35,417,000 | 7,025 |
| Average equity | $4,661,670 | 6,887 |
| Average total loans | $22,071,670 | 6,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 6,863 |
| Cost of funding earning assets | 1.0908% | 5,956 |
| Net interest margin | 3.3747% | 5,690 |
| Noninterest income to average assets | 0.1626% | 6,810 |
| Noninterest expense to average assets | 2.5035% | 5,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8778% | 2,643 |
| Return on assets (ROA) | 0.8778% | 2,720 |
| Pretax return on assets | 0.8778% | 3,548 |
| Return on Equity (ROE) | 6.9209% | 3,387 |
| Retained earnings to average equity (ytd only) | -2.4778% | 6,289 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0385% | 3,571 |
| Assets per employee ($millions) | 3.3533% | 5,424 |
| Cash dividends to net income (ytd only)* | 135.8025% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,368 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 6,823 |
| Noncurrent loans to loans | 0.0826% | 7,184 |
| Net loans and leases to total assets | 58.4883% | 5,354 |
| Net loans and leases to deposits | 67.5708% | 5,641 |
| Net loans and leases to core deposits | 67.5708% | 6,139 |
| Total domestic deposits to total assets | 86.5586% | 2,864 |
| Equity capital to assets | 12.6525% | 1,677 |
| Core capital (leverage) ratio | 12.4351% | 1,432 |
| Tier 1 risk-based capital ratio | 18.1907% | 1,902 |
| Total risk-based capital ratio | 19.0560% | 1,964 |
| Memoranda: | ||
| Average total assets | $36,909,000 | 7,202 |
| Average earning assets | $35,203,500 | 7,118 |
| Average equity | $4,681,500 | 6,952 |
| Average total loans | $22,522,000 | 7,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 7,005 |
| Cost of funding earning assets | 1.5630% | 5,215 |
| Net interest margin | 3.2073% | 6,065 |
| Noninterest income to average assets | 0.1816% | 6,790 |
| Noninterest expense to average assets | 2.5135% | 6,080 |
| Loan and lease loss provision to assets | 0.1068% | 6,573 |
| Net operating income to assets | 0.6144% | 3,278 |
| Return on assets (ROA) | 0.6144% | 3,346 |
| Pretax return on assets | 0.6144% | 3,868 |
| Return on Equity (ROE) | 4.9533% | 3,689 |
| Retained earnings to average equity (ytd only) | 1.5075% | 4,015 |
| Net charge-offs to loans | 0.0600% | 6,494 |
| Credit loss provision to net charge-offs | 307.6923% | 1,072 |
| Earnings coverage of net charge-offs (x) | 20.7692% | 1,027 |
| Efficiency ratio | 77.7044% | 3,240 |
| Assets per employee ($millions) | 3.3575% | 5,349 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,616 |
| Loan loss allowance to noncurrent loans | 22,200.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 6,941 |
| Noncurrent loans to loans | 0.0043% | 7,440 |
| Net loans and leases to total assets | 62.3470% | 4,919 |
| Net loans and leases to deposits | 72.9410% | 5,200 |
| Net loans and leases to core deposits | 83.8956% | 5,723 |
| Total domestic deposits to total assets | 85.4760% | 3,307 |
| Equity capital to assets | 12.7153% | 1,638 |
| Core capital (leverage) ratio | 12.5935% | 1,410 |
| Tier 1 risk-based capital ratio | 17.5080% | 2,023 |
| Total risk-based capital ratio | 18.3357% | 2,092 |
| Memoranda: | ||
| Average total assets | $37,437,400 | 7,190 |
| Average earning assets | $35,637,200 | 7,116 |
| Average equity | $4,643,400 | 7,066 |
| Average total loans | $21,652,600 | 7,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 7,188 |
| Cost of funding earning assets | 1.6549% | 5,138 |
| Net interest margin | 3.1048% | 6,305 |
| Noninterest income to average assets | 0.1917% | 6,849 |
| Noninterest expense to average assets | 2.5343% | 5,957 |
| Loan and lease loss provision to assets | 0.0355% | 7,002 |
| Net operating income to assets | 0.5786% | 3,688 |
| Return on assets (ROA) | 0.5786% | 3,753 |
| Pretax return on assets | 0.5786% | 4,260 |
| Return on Equity (ROE) | 4.6937% | 4,081 |
| Retained earnings to average equity (ytd only) | 0.0864% | 5,168 |
| Net charge-offs to loans | 0.0815% | 5,862 |
| Credit loss provision to net charge-offs | 76.9231% | 5,835 |
| Earnings coverage of net charge-offs (x) | 13.3099% | 1,684 |
| Efficiency ratio | 80.4961% | 2,775 |
| Assets per employee ($millions) | 3.4458% | 5,060 |
| Cash dividends to net income (ytd only)* | 98.1595% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,698 |
| Loan loss allowance to noncurrent loans | 246.1538% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 7,007 |
| Noncurrent loans to loans | 0.3713% | 6,606 |
| Net loans and leases to total assets | 54.9230% | 6,277 |
| Net loans and leases to deposits | 63.1767% | 6,572 |
| Net loans and leases to core deposits | 75.1579% | 6,659 |
| Total domestic deposits to total assets | 86.9354% | 2,210 |
| Equity capital to assets | 12.2124% | 2,114 |
| Core capital (leverage) ratio | 12.1534% | 1,729 |
| Tier 1 risk-based capital ratio | 17.9078% | 2,016 |
| Total risk-based capital ratio | 18.6506% | 2,104 |
| Memoranda: | ||
| Average total assets | $37,563,750 | 7,248 |
| Average earning assets | $35,771,250 | 7,169 |
| Average equity | $4,630,250 | 7,135 |
| Average total loans | $21,253,750 | 7,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 7,140 |
| Cost of funding earning assets | 1.7439% | 5,051 |
| Net interest margin | 3.1008% | 6,237 |
| Noninterest income to average assets | 0.1976% | 6,874 |
| Noninterest expense to average assets | 2.5741% | 5,839 |
| Loan and lease loss provision to assets | 0.0534% | 6,691 |
| Net operating income to assets | 0.5234% | 4,010 |
| Return on assets (ROA) | 0.5234% | 4,121 |
| Pretax return on assets | 0.5234% | 4,544 |
| Return on Equity (ROE) | 4.2326% | 4,406 |
| Retained earnings to average equity (ytd only) | -0.5183% | 5,354 |
| Net charge-offs to loans | 0.1125% | 5,035 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,188 |
| Efficiency ratio | 81.6949% | 2,762 |
| Assets per employee ($millions) | 3.4473% | 4,953 |
| Cash dividends to net income (ytd only)* | 112.2449% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,738 |
| Loan loss allowance to noncurrent loans | 134.0278% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 6,509 |
| Noncurrent loans to loans | 0.6766% | 5,896 |
| Net loans and leases to total assets | 55.6171% | 6,249 |
| Net loans and leases to deposits | 63.9556% | 6,567 |
| Net loans and leases to core deposits | 72.7643% | 6,855 |
| Total domestic deposits to total assets | 86.9620% | 2,276 |
| Equity capital to assets | 12.1677% | 2,113 |
| Core capital (leverage) ratio | 12.1780% | 1,759 |
| Tier 1 risk-based capital ratio | 17.5511% | 2,131 |
| Total risk-based capital ratio | 18.2852% | 2,241 |
| Memoranda: | ||
| Average total assets | $37,450,330 | 7,314 |
| Average earning assets | $35,667,670 | 7,235 |
| Average equity | $4,630,670 | 7,200 |
| Average total loans | $21,335,000 | 7,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 6,889 |
| Cost of funding earning assets | 1.8233% | 5,007 |
| Net interest margin | 3.1936% | 5,876 |
| Noninterest income to average assets | 0.1935% | 6,911 |
| Noninterest expense to average assets | 2.3646% | 6,324 |
| Loan and lease loss provision to assets | 0.1075% | 5,591 |
| Net operating income to assets | 0.7524% | 3,341 |
| Return on assets (ROA) | 0.7524% | 3,517 |
| Pretax return on assets | 0.7524% | 4,247 |
| Return on Equity (ROE) | 6.0358% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.1556% | 4,672 |
| Net charge-offs to loans | 0.2247% | 3,294 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,459 |
| Efficiency ratio | 73.3333% | 3,940 |
| Assets per employee ($millions) | 3.4528% | 4,934 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,574 |
| Loan loss allowance to noncurrent loans | 250.6494% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 6,919 |
| Noncurrent loans to loans | 0.3736% | 6,485 |
| Net loans and leases to total assets | 53.7558% | 6,497 |
| Net loans and leases to deposits | 61.8322% | 6,751 |
| Net loans and leases to core deposits | 73.9237% | 6,810 |
| Total domestic deposits to total assets | 86.9382% | 2,248 |
| Equity capital to assets | 12.2456% | 2,108 |
| Core capital (leverage) ratio | 12.2170% | 1,807 |
| Tier 1 risk-based capital ratio | 17.3170% | 2,241 |
| Total risk-based capital ratio | 18.0356% | 2,340 |
| Memoranda: | ||
| Average total assets | $37,215,500 | 7,365 |
| Average earning assets | $35,321,000 | 7,289 |
| Average equity | $4,639,000 | 7,243 |
| Average total loans | $21,361,000 | 7,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 7,363 |
| Cost of funding earning assets | 2.3975% | 4,725 |
| Net interest margin | 3.0739% | 6,728 |
| Noninterest income to average assets | 0.1955% | 7,053 |
| Noninterest expense to average assets | 2.4455% | 6,231 |
| Loan and lease loss provision to assets | 0.0078% | 7,272 |
| Net operating income to assets | 0.6570% | 4,077 |
| Return on assets (ROA) | 0.6570% | 3,925 |
| Pretax return on assets | 0.6570% | 4,528 |
| Return on Equity (ROE) | 5.4425% | 4,183 |
| Retained earnings to average equity (ytd only) | -0.5183% | 5,442 |
| Net charge-offs to loans | 0.0152% | 6,678 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 497 |
| Efficiency ratio | 78.6253% | 2,818 |
| Assets per employee ($millions) | 3.3136% | 5,179 |
| Cash dividends to net income (ytd only)* | 109.5238% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 6,768 |
| Loan loss allowance to noncurrent loans | 219.1011% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 6,240 |
| Noncurrent loans to loans | 0.4025% | 6,139 |
| Net loans and leases to total assets | 60.1289% | 5,892 |
| Net loans and leases to deposits | 70.0582% | 6,275 |
| Net loans and leases to core deposits | 89.5485% | 5,841 |
| Total domestic deposits to total assets | 85.8272% | 2,482 |
| Equity capital to assets | 12.6941% | 1,922 |
| Core capital (leverage) ratio | 12.1738% | 1,891 |
| Tier 1 risk-based capital ratio | 18.1686% | 1,999 |
| Total risk-based capital ratio | 18.9343% | 2,065 |
| Memoranda: | ||
| Average total assets | $38,356,400 | 7,290 |
| Average earning assets | $36,371,200 | 7,224 |
| Average equity | $4,630,200 | 7,292 |
| Average total loans | $19,772,000 | 7,344 |