Home > The First National Bank of Hico > Performance and Condition Ratios
The First National Bank of Hico, Performance and Condition Ratios
| 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 | 3.4013% | 5,905 |
| Cost of funding earning assets | 0.2344% | 6,277 |
| Net interest margin | 3.1669% | 5,060 |
| Noninterest income to average assets | 0.8145% | 2,127 |
| Noninterest expense to average assets | 2.9664% | 3,101 |
| Loan and lease loss provision to assets | -0.0231% | 6,600 |
| Net operating income to assets | 0.9348% | 2,643 |
| Return on assets (ROA) | 0.9348% | 2,778 |
| Pretax return on assets | 0.9348% | 3,766 |
| Return on Equity (ROE) | 8.0553% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.0553% | 1,463 |
| Net charge-offs to loans | -0.1052% | 6,511 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4916% | 2,710 |
| Assets per employee ($millions) | 3.4806% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 30.3038% | 6,569 |
| Net loans and leases to deposits | 34.3632% | 6,593 |
| Net loans and leases to core deposits | 36.7583% | 6,577 |
| Total domestic deposits to total assets | 88.1868% | 2,119 |
| Equity capital to assets | 11.7796% | 2,069 |
| Core capital (leverage) ratio | 11.1277% | 2,231 |
| Tier 1 risk-based capital ratio | 25.0586% | 866 |
| Total risk-based capital ratio | 26.3099% | 854 |
| Memoranda: | ||
| Average total assets | $43,217,670 | 6,309 |
| Average earning assets | $41,807,330 | 6,233 |
| Average equity | $5,015,330 | 6,178 |
| Average total loans | $13,312,670 | 6,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 5,961 |
| Cost of funding earning assets | 0.2354% | 6,376 |
| Net interest margin | 3.1550% | 5,074 |
| Noninterest income to average assets | 0.8192% | 2,054 |
| Noninterest expense to average assets | 2.7308% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1378% | 1,721 |
| Return on assets (ROA) | 1.1378% | 1,835 |
| Pretax return on assets | 1.1378% | 2,823 |
| Return on Equity (ROE) | 9.8756% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.8756% | 1,136 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 3,874 |
| Assets per employee ($millions) | 3.2233% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 31.6564% | 6,531 |
| Net loans and leases to deposits | 35.9924% | 6,570 |
| Net loans and leases to core deposits | 38.4939% | 6,546 |
| Total domestic deposits to total assets | 87.9531% | 2,347 |
| Equity capital to assets | 12.0254% | 2,021 |
| Core capital (leverage) ratio | 10.8159% | 2,442 |
| Tier 1 risk-based capital ratio | 23.2812% | 1,115 |
| Total risk-based capital ratio | 24.5033% | 1,100 |
| Memoranda: | ||
| Average total assets | $43,943,000 | 6,349 |
| Average earning assets | $42,472,000 | 6,261 |
| Average equity | $5,063,000 | 6,229 |
| Average total loans | $13,518,000 | 6,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 6,083 |
| Cost of funding earning assets | 0.3552% | 6,180 |
| Net interest margin | 3.3263% | 5,152 |
| Noninterest income to average assets | 0.7869% | 2,320 |
| Noninterest expense to average assets | 2.9012% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1046% | 1,921 |
| Return on assets (ROA) | 1.0974% | 2,127 |
| Pretax return on assets | 1.0974% | 3,167 |
| Return on Equity (ROE) | 9.5816% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.2217% | 3,257 |
| Net charge-offs to loans | 0.0563% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 611 |
| Efficiency ratio | 72.4260% | 3,336 |
| Assets per employee ($millions) | 3.5372% | 4,935 |
| Cash dividends to net income (ytd only)* | 55.9395% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 2,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 28.8911% | 6,737 |
| Net loans and leases to deposits | 32.4896% | 6,776 |
| Net loans and leases to core deposits | 35.0528% | 6,745 |
| Total domestic deposits to total assets | 88.9242% | 1,614 |
| Equity capital to assets | 11.0628% | 2,879 |
| Core capital (leverage) ratio | 9.9840% | 3,424 |
| Tier 1 risk-based capital ratio | 22.0633% | 1,255 |
| Total risk-based capital ratio | 23.2536% | 1,233 |
| Memoranda: | ||
| Average total assets | $42,188,800 | 6,423 |
| Average earning assets | $40,825,800 | 6,333 |
| Average equity | $4,832,200 | 6,341 |
| Average total loans | $14,198,600 | 6,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 6,006 |
| Cost of funding earning assets | 0.3711% | 6,267 |
| Net interest margin | 3.4363% | 4,893 |
| Noninterest income to average assets | 0.8050% | 2,216 |
| Noninterest expense to average assets | 2.8838% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2447% | 1,590 |
| Return on assets (ROA) | 1.2350% | 1,788 |
| Pretax return on assets | 1.2350% | 2,851 |
| Return on Equity (ROE) | 10.6809% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.6481% | 2,926 |
| Net charge-offs to loans | 0.1021% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 34.9911% | 971 |
| Efficiency ratio | 69.8512% | 3,716 |
| Assets per employee ($millions) | 3.2982% | 5,445 |
| Cash dividends to net income (ytd only)* | 47.1197% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.9962% | 6,744 |
| Net loans and leases to deposits | 36.2773% | 6,808 |
| Net loans and leases to core deposits | 39.3975% | 6,767 |
| Total domestic deposits to total assets | 88.1988% | 1,919 |
| Equity capital to assets | 11.7616% | 2,472 |
| Core capital (leverage) ratio | 10.5224% | 2,884 |
| Tier 1 risk-based capital ratio | 22.8911% | 1,185 |
| Total risk-based capital ratio | 24.1115% | 1,173 |
| Memoranda: | ||
| Average total assets | $41,240,250 | 6,540 |
| Average earning assets | $39,886,750 | 6,440 |
| Average equity | $4,768,500 | 6,436 |
| Average total loans | $14,366,250 | 6,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 5,927 |
| Cost of funding earning assets | 0.3821% | 6,368 |
| Net interest margin | 3.5151% | 4,605 |
| Noninterest income to average assets | 0.8109% | 2,131 |
| Noninterest expense to average assets | 2.8996% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3024% | 1,438 |
| Return on assets (ROA) | 1.2876% | 1,628 |
| Pretax return on assets | 1.2876% | 2,604 |
| Return on Equity (ROE) | 11.2038% | 1,918 |
| Retained earnings to average equity (ytd only) | 3.5065% | 4,259 |
| Net charge-offs to loans | 0.2207% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.5625% | 1,587 |
| Efficiency ratio | 69.0058% | 3,939 |
| Assets per employee ($millions) | 3.1485% | 5,754 |
| Cash dividends to net income (ytd only)* | 68.7023% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 3,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 33.5565% | 6,747 |
| Net loans and leases to deposits | 37.9798% | 6,804 |
| Net loans and leases to core deposits | 41.4129% | 6,757 |
| Total domestic deposits to total assets | 88.3536% | 1,930 |
| Equity capital to assets | 11.6122% | 2,477 |
| Core capital (leverage) ratio | 10.3901% | 2,931 |
| Tier 1 risk-based capital ratio | 21.8166% | 1,329 |
| Total risk-based capital ratio | 22.9869% | 1,320 |
| Memoranda: | ||
| Average total assets | $40,694,670 | 6,609 |
| Average earning assets | $39,258,670 | 6,503 |
| Average equity | $4,677,000 | 6,492 |
| Average total loans | $14,502,000 | 6,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 5,786 |
| Cost of funding earning assets | 0.3880% | 6,471 |
| Net interest margin | 3.6047% | 4,249 |
| Noninterest income to average assets | 0.8379% | 1,997 |
| Noninterest expense to average assets | 2.8785% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4393% | 1,143 |
| Return on assets (ROA) | 1.4393% | 1,277 |
| Pretax return on assets | 1.4393% | 2,058 |
| Return on Equity (ROE) | 12.5889% | 1,514 |
| Retained earnings to average equity (ytd only) | -2.9317% | 6,385 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,432 |
| Assets per employee ($millions) | 3.1899% | 5,792 |
| Cash dividends to net income (ytd only)* | 123.2877% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.0889% | 6,683 |
| Net loans and leases to deposits | 39.4539% | 6,761 |
| Net loans and leases to core deposits | 42.9385% | 6,703 |
| Total domestic deposits to total assets | 88.9363% | 1,739 |
| Equity capital to assets | 11.0372% | 2,860 |
| Core capital (leverage) ratio | 10.5760% | 2,666 |
| Tier 1 risk-based capital ratio | 19.8336% | 1,750 |
| Total risk-based capital ratio | 21.0003% | 1,741 |
| Memoranda: | ||
| Average total assets | $40,576,500 | 6,665 |
| Average earning assets | $39,171,000 | 6,556 |
| Average equity | $4,639,000 | 6,535 |
| Average total loans | $14,768,000 | 6,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 5,839 |
| Cost of funding earning assets | 0.4597% | 6,703 |
| Net interest margin | 3.8150% | 3,743 |
| Noninterest income to average assets | 0.9323% | 1,561 |
| Noninterest expense to average assets | 3.2220% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3707% | 1,083 |
| Return on assets (ROA) | 1.5450% | 812 |
| Pretax return on assets | 1.5450% | 1,354 |
| Return on Equity (ROE) | 13.6900% | 1,020 |
| Retained earnings to average equity (ytd only) | 6.0376% | 1,994 |
| Net charge-offs to loans | 0.0412% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 339 |
| Efficiency ratio | 70.1553% | 3,913 |
| Assets per employee ($millions) | 3.0526% | 5,986 |
| Cash dividends to net income (ytd only)* | 55.8974% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.4958% | 6,731 |
| Net loans and leases to deposits | 41.4096% | 6,815 |
| Net loans and leases to core deposits | 44.9266% | 6,774 |
| Total domestic deposits to total assets | 88.1338% | 2,070 |
| Equity capital to assets | 11.8461% | 2,244 |
| Core capital (leverage) ratio | 10.8762% | 2,372 |
| Tier 1 risk-based capital ratio | 21.1500% | 1,387 |
| Total risk-based capital ratio | 22.3845% | 1,365 |
| Memoranda: | ||
| Average total assets | $37,864,800 | 6,746 |
| Average earning assets | $36,329,800 | 6,666 |
| Average equity | $4,273,200 | 6,664 |
| Average total loans | $14,560,000 | 6,926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 5,806 |
| Cost of funding earning assets | 0.4688% | 6,822 |
| Net interest margin | 3.8730% | 3,508 |
| Noninterest income to average assets | 0.9587% | 1,454 |
| Noninterest expense to average assets | 3.1292% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5397% | 870 |
| Return on assets (ROA) | 1.7749% | 594 |
| Pretax return on assets | 1.7749% | 1,002 |
| Return on Equity (ROE) | 15.9371% | 693 |
| Retained earnings to average equity (ytd only) | 5.4723% | 2,873 |
| Net charge-offs to loans | 0.0459% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 86.3553% | 413 |
| Efficiency ratio | 67.0229% | 4,518 |
| Assets per employee ($millions) | 2.9889% | 6,145 |
| Cash dividends to net income (ytd only)* | 65.6631% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.8489% | 6,828 |
| Net loans and leases to deposits | 41.7885% | 6,918 |
| Net loans and leases to core deposits | 44.7186% | 6,896 |
| Total domestic deposits to total assets | 88.1794% | 1,938 |
| Equity capital to assets | 11.7768% | 2,431 |
| Core capital (leverage) ratio | 10.9788% | 2,404 |
| Tier 1 risk-based capital ratio | 20.7249% | 1,517 |
| Total risk-based capital ratio | 21.9594% | 1,489 |
| Memoranda: | ||
| Average total assets | $37,410,000 | 6,814 |
| Average earning assets | $35,837,500 | 6,741 |
| Average equity | $4,166,250 | 6,763 |
| Average total loans | $14,516,500 | 6,994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 5,782 |
| Cost of funding earning assets | 0.4820% | 6,905 |
| Net interest margin | 3.8902% | 3,366 |
| Noninterest income to average assets | 1.1265% | 1,018 |
| Noninterest expense to average assets | 3.2008% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6410% | 681 |
| Return on assets (ROA) | 1.6410% | 723 |
| Pretax return on assets | 1.6410% | 1,175 |
| Return on Equity (ROE) | 15.0385% | 799 |
| Retained earnings to average equity (ytd only) | -1.1912% | 6,087 |
| Net charge-offs to loans | 0.1104% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 773 |
| Efficiency ratio | 66.1074% | 4,856 |
| Assets per employee ($millions) | 2.9139% | 6,273 |
| Cash dividends to net income (ytd only)* | 107.9208% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 36.4193% | 6,942 |
| Net loans and leases to deposits | 40.8952% | 7,034 |
| Net loans and leases to core deposits | 43.1206% | 7,037 |
| Total domestic deposits to total assets | 89.0552% | 1,503 |
| Equity capital to assets | 10.9078% | 3,053 |
| Core capital (leverage) ratio | 10.7898% | 2,429 |
| Tier 1 risk-based capital ratio | 20.3164% | 1,553 |
| Total risk-based capital ratio | 21.5651% | 1,523 |
| Memoranda: | ||
| Average total assets | $36,928,000 | 6,886 |
| Average earning assets | $35,268,330 | 6,828 |
| Average equity | $4,029,670 | 6,839 |
| Average total loans | $14,499,000 | 7,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 5,270 |
| Cost of funding earning assets | 0.5086% | 6,943 |
| Net interest margin | 4.0111% | 2,641 |
| Noninterest income to average assets | 0.9876% | 1,365 |
| Noninterest expense to average assets | 3.1933% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6021% | 691 |
| Return on assets (ROA) | 1.6131% | 710 |
| Pretax return on assets | 1.6131% | 1,159 |
| Return on Equity (ROE) | 14.7794% | 861 |
| Retained earnings to average equity (ytd only) | -18.0973% | 7,119 |
| Net charge-offs to loans | 0.1630% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 984 |
| Efficiency ratio | 66.5904% | 4,929 |
| Assets per employee ($millions) | 2.8572% | 6,427 |
| Cash dividends to net income (ytd only)* | 222.4490% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.0223% | 6,902 |
| Net loans and leases to deposits | 42.5622% | 7,004 |
| Net loans and leases to core deposits | 44.9162% | 7,010 |
| Total domestic deposits to total assets | 89.3334% | 1,572 |
| Equity capital to assets | 10.6289% | 3,057 |
| Core capital (leverage) ratio | 10.5797% | 2,526 |
| Tier 1 risk-based capital ratio | 19.8336% | 1,622 |
| Total risk-based capital ratio | 21.0816% | 1,597 |
| Memoranda: | ||
| Average total assets | $36,451,500 | 6,950 |
| Average earning assets | $34,604,000 | 6,897 |
| Average equity | $3,978,500 | 6,888 |
| Average total loans | $14,726,000 | 7,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 5,710 |
| Cost of funding earning assets | 0.6091% | 7,109 |
| Net interest margin | 4.1160% | 2,499 |
| Noninterest income to average assets | 0.8669% | 1,988 |
| Noninterest expense to average assets | 3.3444% | 2,597 |
| Loan and lease loss provision to assets | 0.0273% | 6,852 |
| Net operating income to assets | 1.3755% | 997 |
| Return on assets (ROA) | 1.3755% | 1,066 |
| Pretax return on assets | 1.3755% | 1,723 |
| Return on Equity (ROE) | 12.8316% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.6990% | 787 |
| Net charge-offs to loans | -0.0138% | 7,336 |
| Credit loss provision to net charge-offs | -500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4493% | 4,078 |
| Assets per employee ($millions) | 2.7507% | 6,606 |
| Cash dividends to net income (ytd only)* | 32.2068% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.4469% | 6,878 |
| Net loans and leases to deposits | 46.6965% | 7,012 |
| Net loans and leases to core deposits | 49.3984% | 7,005 |
| Total domestic deposits to total assets | 88.7581% | 1,795 |
| Equity capital to assets | 11.2112% | 2,492 |
| Core capital (leverage) ratio | 10.7238% | 2,363 |
| Tier 1 risk-based capital ratio | 20.3003% | 1,435 |
| Total risk-based capital ratio | 21.5509% | 1,415 |
| Memoranda: | ||
| Average total assets | $36,568,600 | 6,987 |
| Average earning assets | $34,475,600 | 6,935 |
| Average equity | $3,920,000 | 7,023 |
| Average total loans | $14,452,800 | 7,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 5,943 |
| Cost of funding earning assets | 0.6186% | 7,251 |
| Net interest margin | 4.1021% | 2,612 |
| Noninterest income to average assets | 0.8340% | 2,060 |
| Noninterest expense to average assets | 3.2090% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4721% | 974 |
| Return on assets (ROA) | 1.4721% | 1,050 |
| Pretax return on assets | 1.4721% | 1,681 |
| Return on Equity (ROE) | 13.8880% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.3466% | 1,295 |
| Net charge-offs to loans | -0.0187% | 7,347 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5515% | 4,365 |
| Assets per employee ($millions) | 2.9192% | 6,330 |
| Cash dividends to net income (ytd only)* | 39.9006% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,362 |
| Loan loss allowance to noncurrent loans | 12,350.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 6,896 |
| Noncurrent loans to loans | 0.0133% | 7,230 |
| Net loans and leases to total assets | 38.9802% | 7,131 |
| Net loans and leases to deposits | 43.7533% | 7,250 |
| Net loans and leases to core deposits | 46.1301% | 7,266 |
| Total domestic deposits to total assets | 89.0909% | 1,344 |
| Equity capital to assets | 10.8538% | 3,113 |
| Core capital (leverage) ratio | 10.5922% | 2,602 |
| Tier 1 risk-based capital ratio | 19.3837% | 1,664 |
| Total risk-based capital ratio | 20.5976% | 1,644 |
| Memoranda: | ||
| Average total assets | $36,771,000 | 7,068 |
| Average earning assets | $34,485,250 | 7,014 |
| Average equity | $3,897,750 | 7,115 |
| Average total loans | $14,296,500 | 7,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 5,937 |
| Cost of funding earning assets | 0.6270% | 7,346 |
| Net interest margin | 4.1313% | 2,422 |
| Noninterest income to average assets | 0.8247% | 1,998 |
| Noninterest expense to average assets | 3.2437% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4569% | 981 |
| Return on assets (ROA) | 1.4569% | 1,047 |
| Pretax return on assets | 1.4569% | 1,677 |
| Return on Equity (ROE) | 13.8598% | 1,069 |
| Retained earnings to average equity (ytd only) | 5.3870% | 2,682 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0058% | 4,375 |
| Assets per employee ($millions) | 2.6253% | 6,903 |
| Cash dividends to net income (ytd only)* | 61.1321% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 3,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 6,918 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.4257% | 7,246 |
| Net loans and leases to deposits | 43.0343% | 7,355 |
| Net loans and leases to core deposits | 45.4423% | 7,373 |
| Total domestic deposits to total assets | 89.2910% | 1,286 |
| Equity capital to assets | 10.6573% | 3,212 |
| Core capital (leverage) ratio | 10.3573% | 2,763 |
| Tier 1 risk-based capital ratio | 19.2967% | 1,654 |
| Total risk-based capital ratio | 20.5450% | 1,617 |
| Memoranda: | ||
| Average total assets | $36,378,000 | 7,130 |
| Average earning assets | $34,129,670 | 7,078 |
| Average equity | $3,824,000 | 7,174 |
| Average total loans | $14,048,670 | 7,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 5,896 |
| Cost of funding earning assets | 0.6516% | 7,432 |
| Net interest margin | 4.1468% | 2,247 |
| Noninterest income to average assets | 0.9063% | 1,600 |
| Noninterest expense to average assets | 3.1721% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6027% | 747 |
| Return on assets (ROA) | 1.6027% | 800 |
| Pretax return on assets | 1.6027% | 1,256 |
| Return on Equity (ROE) | 15.3541% | 815 |
| Retained earnings to average equity (ytd only) | -1.8001% | 6,181 |
| Net charge-offs to loans | -0.0576% | 7,382 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4352% | 5,024 |
| Assets per employee ($millions) | 2.7836% | 6,679 |
| Cash dividends to net income (ytd only)* | 111.7241% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,913 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 37.2509% | 7,378 |
| Net loans and leases to deposits | 41.5921% | 7,468 |
| Net loans and leases to core deposits | 44.3115% | 7,475 |
| Total domestic deposits to total assets | 89.5626% | 1,201 |
| Equity capital to assets | 10.3960% | 3,348 |
| Core capital (leverage) ratio | 10.1256% | 3,007 |
| Tier 1 risk-based capital ratio | 19.3293% | 1,651 |
| Total risk-based capital ratio | 20.5784% | 1,620 |
| Memoranda: | ||
| Average total assets | $36,190,000 | 7,223 |
| Average earning assets | $33,761,000 | 7,171 |
| Average equity | $3,777,500 | 7,260 |
| Average total loans | $13,888,500 | 7,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 6,202 |
| Cost of funding earning assets | 0.8680% | 7,454 |
| Net interest margin | 4.2000% | 2,059 |
| Noninterest income to average assets | 0.9469% | 1,763 |
| Noninterest expense to average assets | 3.4615% | 2,487 |
| Loan and lease loss provision to assets | 0.1444% | 6,200 |
| Net operating income to assets | 1.3222% | 987 |
| Return on assets (ROA) | 1.3367% | 1,010 |
| Pretax return on assets | 1.3367% | 1,596 |
| Return on Equity (ROE) | 12.9272% | 979 |
| Retained earnings to average equity (ytd only) | 5.5283% | 1,563 |
| Net charge-offs to loans | 0.2434% | 5,102 |
| Credit loss provision to net charge-offs | 147.0588% | 3,206 |
| Earnings coverage of net charge-offs (x) | 14.9412% | 1,339 |
| Efficiency ratio | 70.2402% | 4,574 |
| Assets per employee ($millions) | 2.7841% | 6,680 |
| Cash dividends to net income (ytd only)* | 57.2354% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,916 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 38.1427% | 7,442 |
| Net loans and leases to deposits | 42.6343% | 7,550 |
| Net loans and leases to core deposits | 51.1543% | 7,555 |
| Total domestic deposits to total assets | 89.4648% | 1,231 |
| Equity capital to assets | 10.4799% | 3,200 |
| Core capital (leverage) ratio | 10.3711% | 2,714 |
| Tier 1 risk-based capital ratio | 18.8737% | 1,679 |
| Total risk-based capital ratio | 20.1234% | 1,650 |
| Memoranda: | ||
| Average total assets | $34,638,000 | 7,295 |
| Average earning assets | $32,833,200 | 7,235 |
| Average equity | $3,581,600 | 7,422 |
| Average total loans | $13,966,600 | 7,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1047% | 6,248 |
| Cost of funding earning assets | 0.8970% | 7,562 |
| Net interest margin | 4.2077% | 2,028 |
| Noninterest income to average assets | 0.9187% | 1,907 |
| Noninterest expense to average assets | 3.3635% | 2,680 |
| Loan and lease loss provision to assets | 0.0779% | 6,587 |
| Net operating income to assets | 1.4949% | 825 |
| Return on assets (ROA) | 1.5143% | 844 |
| Pretax return on assets | 1.5143% | 1,370 |
| Return on Equity (ROE) | 14.6978% | 811 |
| Retained earnings to average equity (ytd only) | 4.6852% | 2,661 |
| Net charge-offs to loans | 0.4016% | 3,655 |
| Credit loss provision to net charge-offs | 47.6190% | 6,347 |
| Earnings coverage of net charge-offs (x) | 9.6188% | 2,084 |
| Efficiency ratio | 68.1388% | 4,940 |
| Assets per employee ($millions) | 2.8691% | 6,484 |
| Cash dividends to net income (ytd only)* | 68.1230% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,453 |
| Loan loss allowance to noncurrent loans | 4,160.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,822 |
| Noncurrent loans to loans | 0.0360% | 7,424 |
| Net loans and leases to total assets | 39.7223% | 7,476 |
| Net loans and leases to deposits | 44.5385% | 7,605 |
| Net loans and leases to core deposits | 53.8129% | 7,599 |
| Total domestic deposits to total assets | 89.1864% | 1,109 |
| Equity capital to assets | 10.7032% | 3,282 |
| Core capital (leverage) ratio | 10.4508% | 2,832 |
| Tier 1 risk-based capital ratio | 19.2136% | 1,700 |
| Total risk-based capital ratio | 20.3158% | 1,692 |
| Memoranda: | ||
| Average total assets | $34,249,250 | 7,372 |
| Average earning assets | $32,701,000 | 7,300 |
| Average equity | $3,528,750 | 7,502 |
| Average total loans | $13,945,750 | 7,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 6,314 |
| Cost of funding earning assets | 0.9402% | 7,642 |
| Net interest margin | 4.1910% | 2,032 |
| Noninterest income to average assets | 0.9301% | 1,842 |
| Noninterest expense to average assets | 3.4163% | 2,575 |
| Loan and lease loss provision to assets | 0.1170% | 5,965 |
| Net operating income to assets | 1.3864% | 1,050 |
| Return on assets (ROA) | 1.3864% | 1,124 |
| Pretax return on assets | 1.3864% | 1,765 |
| Return on Equity (ROE) | 13.6337% | 1,051 |
| Retained earnings to average equity (ytd only) | -1.6107% | 5,648 |
| Net charge-offs to loans | 0.3866% | 3,267 |
| Credit loss provision to net charge-offs | 74.0741% | 5,337 |
| Earnings coverage of net charge-offs (x) | 9.5185% | 2,118 |
| Efficiency ratio | 69.4411% | 4,892 |
| Assets per employee ($millions) | 2.9391% | 6,295 |
| Cash dividends to net income (ytd only)* | 111.8143% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 6,846 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.5438% | 7,619 |
| Net loans and leases to deposits | 42.8833% | 7,731 |
| Net loans and leases to core deposits | 51.8380% | 7,716 |
| Total domestic deposits to total assets | 89.8806% | 877 |
| Equity capital to assets | 9.9691% | 3,984 |
| Core capital (leverage) ratio | 10.0634% | 3,225 |
| Tier 1 risk-based capital ratio | 18.3412% | 1,920 |
| Total risk-based capital ratio | 19.5132% | 1,894 |
| Memoranda: | ||
| Average total assets | $34,189,330 | 7,438 |
| Average earning assets | $32,546,000 | 7,375 |
| Average equity | $3,476,670 | 7,583 |
| Average total loans | $13,966,330 | 7,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 5,881 |
| Cost of funding earning assets | 0.9779% | 7,706 |
| Net interest margin | 4.3254% | 1,534 |
| Noninterest income to average assets | 0.9391% | 1,698 |
| Noninterest expense to average assets | 3.3641% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6761% | 680 |
| Return on assets (ROA) | 1.6761% | 748 |
| Pretax return on assets | 1.6761% | 1,227 |
| Return on Equity (ROE) | 16.3147% | 774 |
| Retained earnings to average equity (ytd only) | -14.3477% | 7,403 |
| Net charge-offs to loans | 0.7976% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.0357% | 2,763 |
| Efficiency ratio | 66.7453% | 5,184 |
| Assets per employee ($millions) | 2.7992% | 6,642 |
| Cash dividends to net income (ytd only)* | 187.9433% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,714 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 41.2921% | 7,507 |
| Net loans and leases to deposits | 45.9911% | 7,663 |
| Net loans and leases to core deposits | 56.1629% | 7,612 |
| Total domestic deposits to total assets | 89.7827% | 895 |
| Equity capital to assets | 10.1429% | 3,836 |
| Core capital (leverage) ratio | 10.0169% | 3,389 |
| Tier 1 risk-based capital ratio | 18.1603% | 2,015 |
| Total risk-based capital ratio | 19.2409% | 2,005 |
| Memoranda: | ||
| Average total assets | $33,649,500 | 7,505 |
| Average earning assets | $31,904,500 | 7,445 |
| Average equity | $3,457,000 | 7,637 |
| Average total loans | $14,041,500 | 7,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 6,851 |
| Cost of funding earning assets | 1.3789% | 7,760 |
| Net interest margin | 4.2969% | 1,986 |
| Noninterest income to average assets | 1.0476% | 1,432 |
| Noninterest expense to average assets | 3.3125% | 2,931 |
| Loan and lease loss provision to assets | 0.2321% | 4,575 |
| Net operating income to assets | 1.5744% | 881 |
| Return on assets (ROA) | 1.5804% | 830 |
| Pretax return on assets | 1.5804% | 1,444 |
| Return on Equity (ROE) | 16.0812% | 757 |
| Retained earnings to average equity (ytd only) | 10.7813% | 355 |
| Net charge-offs to loans | 0.1134% | 5,132 |
| Credit loss provision to net charge-offs | 487.5000% | 895 |
| Earnings coverage of net charge-offs (x) | 37.9375% | 975 |
| Efficiency ratio | 64.7093% | 5,393 |
| Assets per employee ($millions) | 2.8091% | 6,535 |
| Cash dividends to net income (ytd only)* | 32.9567% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 40.8882% | 7,631 |
| Net loans and leases to deposits | 45.6663% | 7,793 |
| Net loans and leases to core deposits | 54.8097% | 7,773 |
| Total domestic deposits to total assets | 89.5369% | 833 |
| Equity capital to assets | 10.4037% | 3,605 |
| Core capital (leverage) ratio | 10.2605% | 3,208 |
| Tier 1 risk-based capital ratio | 19.0285% | 1,809 |
| Total risk-based capital ratio | 20.2728% | 1,765 |
| Memoranda: | ||
| Average total assets | $33,599,800 | 7,480 |
| Average earning assets | $31,836,600 | 7,416 |
| Average equity | $3,302,000 | 7,744 |
| Average total loans | $14,112,000 | 7,698 |