Home > The First National Bank of Holdrege > Performance and Condition Ratios
The First National Bank of Holdrege, Performance and Condition Ratios
| 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 | 2.8365% | 6,185 |
| Cost of funding earning assets | 0.1464% | 6,120 |
| Net interest margin | 2.6900% | 5,960 |
| Noninterest income to average assets | 0.6790% | 2,407 |
| Noninterest expense to average assets | 2.4881% | 4,585 |
| Loan and lease loss provision to assets | -0.1422% | 6,223 |
| Net operating income to assets | 0.7673% | 3,531 |
| Return on assets (ROA) | 0.7673% | 3,634 |
| Pretax return on assets | 0.7982% | 4,265 |
| Return on Equity (ROE) | 10.0032% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.4593% | 1,209 |
| Net charge-offs to loans | -0.1522% | 6,218 |
| Credit loss provision to net charge-offs | 226.7606% | 1,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1351% | 2,045 |
| Assets per employee ($millions) | 4.5090% | 3,021 |
| Cash dividends to net income (ytd only)* | 25.4315% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.2527% | 5,597 |
| Net loans and leases to deposits | 54.9327% | 5,253 |
| Net loans and leases to core deposits | 55.2390% | 5,428 |
| Total domestic deposits to total assets | 76.9173% | 5,612 |
| Equity capital to assets | 7.8850% | 6,109 |
| Core capital (leverage) ratio | 8.6426% | 5,395 |
| Tier 1 risk-based capital ratio | 13.8830% | 4,180 |
| Total risk-based capital ratio | 15.1335% | 4,119 |
| Memoranda: | ||
| Average total assets | $113,257,800 | 4,317 |
| Average earning assets | $103,791,600 | 4,314 |
| Average equity | $8,687,200 | 5,048 |
| Average total loans | $46,646,600 | 4,931 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8074% | 6,276 |
| Cost of funding earning assets | 0.1479% | 6,197 |
| Net interest margin | 2.6595% | 6,058 |
| Noninterest income to average assets | 0.4869% | 3,637 |
| Noninterest expense to average assets | 2.4038% | 4,811 |
| Loan and lease loss provision to assets | -0.0594% | 6,212 |
| Net operating income to assets | 0.5879% | 4,492 |
| Return on assets (ROA) | 0.5879% | 4,582 |
| Pretax return on assets | 0.5986% | 5,033 |
| Return on Equity (ROE) | 7.7209% | 3,353 |
| Retained earnings to average equity (ytd only) | 4.2737% | 3,609 |
| Net charge-offs to loans | -0.0233% | 5,659 |
| Credit loss provision to net charge-offs | 625.0000% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6788% | 1,661 |
| Assets per employee ($millions) | 4.3184% | 3,264 |
| Cash dividends to net income (ytd only)* | 44.6468% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 1,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.4699% | 5,720 |
| Net loans and leases to deposits | 53.0494% | 5,458 |
| Net loans and leases to core deposits | 53.3533% | 5,602 |
| Total domestic deposits to total assets | 78.1722% | 5,497 |
| Equity capital to assets | 7.8563% | 6,195 |
| Core capital (leverage) ratio | 8.4289% | 5,729 |
| Tier 1 risk-based capital ratio | 14.0547% | 4,170 |
| Total risk-based capital ratio | 15.3067% | 4,114 |
| Memoranda: | ||
| Average total assets | $112,263,500 | 4,373 |
| Average earning assets | $103,674,000 | 4,355 |
| Average equity | $8,548,000 | 5,119 |
| Average total loans | $45,706,000 | 5,012 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7578% | 6,365 |
| Cost of funding earning assets | 0.1507% | 6,262 |
| Net interest margin | 2.6071% | 6,162 |
| Noninterest income to average assets | 0.4864% | 3,584 |
| Noninterest expense to average assets | 2.3820% | 4,931 |
| Loan and lease loss provision to assets | -0.0891% | 6,357 |
| Net operating income to assets | 0.5861% | 4,424 |
| Return on assets (ROA) | 0.5861% | 4,518 |
| Pretax return on assets | 0.5968% | 4,964 |
| Return on Equity (ROE) | 7.7805% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.5541% | 4,578 |
| Net charge-offs to loans | -0.0222% | 5,582 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4291% | 1,697 |
| Assets per employee ($millions) | 4.1420% | 3,560 |
| Cash dividends to net income (ytd only)* | 67.1733% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 1,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.6107% | 5,701 |
| Net loans and leases to deposits | 50.6333% | 5,587 |
| Net loans and leases to core deposits | 50.9210% | 5,739 |
| Total domestic deposits to total assets | 82.1805% | 4,588 |
| Equity capital to assets | 8.1697% | 6,048 |
| Core capital (leverage) ratio | 8.0438% | 6,064 |
| Tier 1 risk-based capital ratio | 14.4891% | 3,937 |
| Total risk-based capital ratio | 15.7412% | 3,876 |
| Memoranda: | ||
| Average total assets | $112,258,330 | 4,404 |
| Average earning assets | $103,487,670 | 4,374 |
| Average equity | $8,457,000 | 5,164 |
| Average total loans | $45,113,330 | 5,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 6,495 |
| Cost of funding earning assets | 0.1565% | 6,318 |
| Net interest margin | 2.5005% | 6,336 |
| Noninterest income to average assets | 0.4470% | 3,813 |
| Noninterest expense to average assets | 2.3642% | 5,024 |
| Loan and lease loss provision to assets | -0.1746% | 6,549 |
| Net operating income to assets | 0.5343% | 4,532 |
| Return on assets (ROA) | 0.5343% | 4,606 |
| Pretax return on assets | 0.5448% | 5,027 |
| Return on Equity (ROE) | 7.3855% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.3718% | 2,344 |
| Net charge-offs to loans | -0.0268% | 5,497 |
| Credit loss provision to net charge-offs | 1,666.6667% | 200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4623% | 1,398 |
| Assets per employee ($millions) | 4.2829% | 3,375 |
| Cash dividends to net income (ytd only)* | 13.7255% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1829% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 35.5339% | 6,092 |
| Net loans and leases to deposits | 44.8704% | 5,924 |
| Net loans and leases to core deposits | 45.1168% | 6,032 |
| Total domestic deposits to total assets | 79.1921% | 5,656 |
| Equity capital to assets | 7.3003% | 6,381 |
| Core capital (leverage) ratio | 7.4460% | 6,356 |
| Tier 1 risk-based capital ratio | 14.9453% | 3,739 |
| Total risk-based capital ratio | 16.1975% | 3,692 |
| Memoranda: | ||
| Average total assets | $114,542,000 | 4,401 |
| Average earning assets | $104,781,000 | 4,391 |
| Average equity | $8,286,500 | 5,221 |
| Average total loans | $44,805,000 | 5,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6631% | 6,563 |
| Cost of funding earning assets | 0.2466% | 5,987 |
| Net interest margin | 2.4166% | 6,434 |
| Noninterest income to average assets | 0.4827% | 3,871 |
| Noninterest expense to average assets | 2.2612% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3953% | 5,164 |
| Return on assets (ROA) | 0.4148% | 5,208 |
| Pretax return on assets | 0.4278% | 5,419 |
| Return on Equity (ROE) | 5.7249% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.7181% | 4,307 |
| Net charge-offs to loans | -0.0421% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7209% | 1,548 |
| Assets per employee ($millions) | 4.2017% | 3,440 |
| Cash dividends to net income (ytd only)* | 52.5210% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,499 |
| Loan loss allowance to noncurrent loans | 96,400.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,457 |
| Noncurrent loans to loans | 0.0021% | 6,309 |
| Net loans and leases to total assets | 41.1107% | 5,884 |
| Net loans and leases to deposits | 54.8366% | 5,398 |
| Net loans and leases to core deposits | 55.1609% | 5,603 |
| Total domestic deposits to total assets | 74.9694% | 6,200 |
| Equity capital to assets | 7.1673% | 6,408 |
| Core capital (leverage) ratio | 8.0059% | 6,129 |
| Tier 1 risk-based capital ratio | 13.8482% | 4,404 |
| Total risk-based capital ratio | 15.1009% | 4,341 |
| Memoranda: | ||
| Average total assets | $114,760,800 | 4,393 |
| Average earning assets | $103,824,800 | 4,413 |
| Average equity | $8,314,600 | 5,262 |
| Average total loans | $42,730,400 | 5,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5268% | 6,687 |
| Cost of funding earning assets | 0.2140% | 6,329 |
| Net interest margin | 2.3129% | 6,580 |
| Noninterest income to average assets | 0.4472% | 4,174 |
| Noninterest expense to average assets | 2.2197% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3082% | 5,591 |
| Return on assets (ROA) | 0.3093% | 5,701 |
| Pretax return on assets | 0.3197% | 5,822 |
| Return on Equity (ROE) | 4.2580% | 5,099 |
| Retained earnings to average equity (ytd only) | 0.2712% | 5,862 |
| Net charge-offs to loans | -0.0257% | 6,119 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4487% | 1,217 |
| Assets per employee ($millions) | 4.1171% | 3,604 |
| Cash dividends to net income (ytd only)* | 93.6347% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 1,440 |
| Loan loss allowance to noncurrent loans | 11,925.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 6,488 |
| Noncurrent loans to loans | 0.0179% | 6,297 |
| Net loans and leases to total assets | 40.8725% | 5,971 |
| Net loans and leases to deposits | 50.4218% | 5,806 |
| Net loans and leases to core deposits | 50.7140% | 5,972 |
| Total domestic deposits to total assets | 81.0612% | 5,200 |
| Equity capital to assets | 7.4698% | 6,407 |
| Core capital (leverage) ratio | 7.7702% | 6,343 |
| Tier 1 risk-based capital ratio | 14.4708% | 4,089 |
| Total risk-based capital ratio | 15.7238% | 4,047 |
| Memoranda: | ||
| Average total assets | $115,089,750 | 4,428 |
| Average earning assets | $104,053,500 | 4,449 |
| Average equity | $8,360,500 | 5,305 |
| Average total loans | $41,512,500 | 5,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4687% | 6,745 |
| Cost of funding earning assets | 0.2018% | 6,465 |
| Net interest margin | 2.2669% | 6,644 |
| Noninterest income to average assets | 0.4636% | 4,068 |
| Noninterest expense to average assets | 2.0124% | 6,023 |
| Loan and lease loss provision to assets | -0.0849% | 6,694 |
| Net operating income to assets | 0.5485% | 4,557 |
| Return on assets (ROA) | 0.5485% | 4,724 |
| Pretax return on assets | 0.5587% | 5,170 |
| Return on Equity (ROE) | 7.6161% | 3,281 |
| Retained earnings to average equity (ytd only) | 1.7213% | 5,153 |
| Net charge-offs to loans | -0.0297% | 6,098 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9426% | 2,030 |
| Assets per employee ($millions) | 4.2349% | 3,283 |
| Cash dividends to net income (ytd only)* | 77.3994% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2518% | 1,334 |
| Loan loss allowance to noncurrent loans | 11,275.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,541 |
| Noncurrent loans to loans | 0.0200% | 6,357 |
| Net loans and leases to total assets | 35.5605% | 6,325 |
| Net loans and leases to deposits | 43.4655% | 6,256 |
| Net loans and leases to core deposits | 43.7081% | 6,343 |
| Total domestic deposits to total assets | 81.8133% | 5,108 |
| Equity capital to assets | 7.0104% | 6,602 |
| Core capital (leverage) ratio | 7.6090% | 6,411 |
| Tier 1 risk-based capital ratio | 15.6830% | 3,373 |
| Total risk-based capital ratio | 16.9364% | 3,323 |
| Memoranda: | ||
| Average total assets | $117,771,330 | 4,397 |
| Average earning assets | $105,075,670 | 4,453 |
| Average equity | $8,482,000 | 5,315 |
| Average total loans | $40,448,000 | 5,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4756% | 6,820 |
| Cost of funding earning assets | 0.2144% | 6,512 |
| Net interest margin | 2.2611% | 6,716 |
| Noninterest income to average assets | 0.4145% | 4,351 |
| Noninterest expense to average assets | 2.0460% | 6,014 |
| Loan and lease loss provision to assets | -0.1645% | 6,881 |
| Net operating income to assets | 0.5000% | 4,660 |
| Return on assets (ROA) | 0.5000% | 4,814 |
| Pretax return on assets | 0.5099% | 5,219 |
| Return on Equity (ROE) | 6.8596% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.8596% | 2,226 |
| Net charge-offs to loans | -0.0197% | 5,703 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5571% | 1,572 |
| Assets per employee ($millions) | 5.0338% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,115 |
| 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 | 27.8239% | 6,668 |
| Net loans and leases to deposits | 34.1347% | 6,631 |
| Net loans and leases to core deposits | 34.3019% | 6,664 |
| Total domestic deposits to total assets | 81.5122% | 5,359 |
| Equity capital to assets | 7.1223% | 6,688 |
| Core capital (leverage) ratio | 7.0761% | 6,621 |
| Tier 1 risk-based capital ratio | 16.1691% | 3,170 |
| Total risk-based capital ratio | 17.4245% | 3,117 |
| Memoranda: | ||
| Average total assets | $121,603,000 | 4,354 |
| Average earning assets | $106,319,500 | 4,467 |
| Average equity | $8,863,500 | 5,251 |
| Average total loans | $40,643,500 | 5,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9153% | 6,814 |
| Cost of funding earning assets | 0.3471% | 6,234 |
| Net interest margin | 2.5682% | 6,659 |
| Noninterest income to average assets | 0.4644% | 4,141 |
| Noninterest expense to average assets | 2.3338% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4123% | 5,049 |
| Return on assets (ROA) | 0.4123% | 5,306 |
| Pretax return on assets | 0.4306% | 5,477 |
| Return on Equity (ROE) | 5.2189% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.9904% | 4,824 |
| Net charge-offs to loans | -0.1191% | 6,865 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4246% | 1,579 |
| Assets per employee ($millions) | 4.6944% | 2,651 |
| Cash dividends to net income (ytd only)* | 61.8625% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 1,806 |
| 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 | 37.8558% | 6,317 |
| Net loans and leases to deposits | 51.5526% | 5,838 |
| Net loans and leases to core deposits | 51.8534% | 6,024 |
| Total domestic deposits to total assets | 73.4315% | 6,583 |
| Equity capital to assets | 7.4676% | 6,647 |
| Core capital (leverage) ratio | 8.2585% | 5,932 |
| Tier 1 risk-based capital ratio | 14.6473% | 3,935 |
| Total risk-based capital ratio | 15.9012% | 3,894 |
| Memoranda: | ||
| Average total assets | $109,392,800 | 4,604 |
| Average earning assets | $97,966,400 | 4,637 |
| Average equity | $8,641,600 | 5,321 |
| Average total loans | $41,990,600 | 5,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9167% | 6,925 |
| Cost of funding earning assets | 0.3791% | 6,235 |
| Net interest margin | 2.5376% | 6,801 |
| Noninterest income to average assets | 0.4618% | 4,201 |
| Noninterest expense to average assets | 2.4220% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3476% | 5,443 |
| Return on assets (ROA) | 0.3476% | 5,647 |
| Pretax return on assets | 0.3662% | 5,799 |
| Return on Equity (ROE) | 4.3354% | 5,133 |
| Retained earnings to average equity (ytd only) | 0.0154% | 6,066 |
| Net charge-offs to loans | -0.0486% | 6,700 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8655% | 1,316 |
| Assets per employee ($millions) | 3.8919% | 4,108 |
| Cash dividends to net income (ytd only)* | 99.6437% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0884% | 1,934 |
| 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 | 42.2077% | 6,111 |
| Net loans and leases to deposits | 53.3655% | 5,861 |
| Net loans and leases to core deposits | 53.7010% | 6,068 |
| Total domestic deposits to total assets | 79.0918% | 5,846 |
| Equity capital to assets | 8.5680% | 6,203 |
| Core capital (leverage) ratio | 8.1426% | 6,194 |
| Tier 1 risk-based capital ratio | 15.8682% | 3,340 |
| Total risk-based capital ratio | 17.1189% | 3,310 |
| Memoranda: | ||
| Average total assets | $107,400,750 | 4,696 |
| Average earning assets | $98,464,500 | 4,679 |
| Average equity | $8,611,000 | 5,377 |
| Average total loans | $41,144,750 | 5,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 6,920 |
| Cost of funding earning assets | 0.4316% | 6,088 |
| Net interest margin | 2.6891% | 6,722 |
| Noninterest income to average assets | 0.4458% | 4,328 |
| Noninterest expense to average assets | 2.3385% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5591% | 4,543 |
| Return on assets (ROA) | 0.5591% | 4,824 |
| Pretax return on assets | 0.5773% | 5,219 |
| Return on Equity (ROE) | 7.1235% | 3,717 |
| Retained earnings to average equity (ytd only) | 0.6285% | 5,810 |
| Net charge-offs to loans | -0.0546% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2005% | 2,140 |
| Assets per employee ($millions) | 3.8883% | 4,102 |
| Cash dividends to net income (ytd only)* | 91.1765% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,694 |
| 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 | 37.7604% | 6,501 |
| Net loans and leases to deposits | 46.3394% | 6,414 |
| Net loans and leases to core deposits | 46.6119% | 6,542 |
| Total domestic deposits to total assets | 81.4865% | 5,304 |
| Equity capital to assets | 8.1032% | 6,515 |
| Core capital (leverage) ratio | 7.7696% | 6,468 |
| Tier 1 risk-based capital ratio | 16.4864% | 2,926 |
| Total risk-based capital ratio | 17.7418% | 2,884 |
| Memoranda: | ||
| Average total assets | $109,471,000 | 4,681 |
| Average earning assets | $100,554,670 | 4,656 |
| Average equity | $8,591,330 | 5,387 |
| Average total loans | $40,319,330 | 5,587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 6,942 |
| Cost of funding earning assets | 0.5613% | 5,424 |
| Net interest margin | 2.6387% | 6,847 |
| Noninterest income to average assets | 0.4726% | 4,122 |
| Noninterest expense to average assets | 2.1197% | 6,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7627% | 3,560 |
| Return on assets (ROA) | 0.7627% | 3,796 |
| Pretax return on assets | 0.7770% | 4,503 |
| Return on Equity (ROE) | 9.8685% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.8685% | 1,298 |
| Net charge-offs to loans | -0.0597% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1768% | 3,229 |
| Assets per employee ($millions) | 4.4213% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3721% | 1,554 |
| Loan loss allowance to noncurrent loans | 3,221.4286% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 6,848 |
| Noncurrent loans to loans | 0.0736% | 6,567 |
| Net loans and leases to total assets | 32.2941% | 6,814 |
| Net loans and leases to deposits | 41.1677% | 6,695 |
| Net loans and leases to core deposits | 41.3973% | 6,773 |
| Total domestic deposits to total assets | 78.4451% | 6,200 |
| Equity capital to assets | 7.4700% | 6,794 |
| Core capital (leverage) ratio | 7.5499% | 6,603 |
| Tier 1 risk-based capital ratio | 16.7236% | 2,794 |
| Total risk-based capital ratio | 17.9797% | 2,753 |
| Memoranda: | ||
| Average total assets | $111,715,000 | 4,661 |
| Average earning assets | $102,627,000 | 4,639 |
| Average equity | $8,633,500 | 5,389 |
| Average total loans | $40,204,500 | 5,634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 6,305 |
| Cost of funding earning assets | 0.7022% | 5,527 |
| Net interest margin | 3.3801% | 5,545 |
| Noninterest income to average assets | 0.7930% | 2,102 |
| Noninterest expense to average assets | 2.7481% | 4,559 |
| Loan and lease loss provision to assets | 0.5113% | 2,052 |
| Net operating income to assets | 0.6163% | 3,908 |
| Return on assets (ROA) | 0.6577% | 3,891 |
| Pretax return on assets | 0.6848% | 4,387 |
| Return on Equity (ROE) | 8.1254% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.1254% | 1,040 |
| Net charge-offs to loans | 0.7928% | 2,175 |
| Credit loss provision to net charge-offs | 157.4074% | 1,774 |
| Earnings coverage of net charge-offs (x) | 3.5494% | 3,475 |
| Efficiency ratio | 70.4446% | 3,855 |
| Assets per employee ($millions) | 4.1722% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 1,965 |
| 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 | 38.2459% | 6,642 |
| Net loans and leases to deposits | 51.0640% | 6,285 |
| Net loans and leases to core deposits | 51.3802% | 6,457 |
| Total domestic deposits to total assets | 74.8979% | 6,618 |
| Equity capital to assets | 8.0017% | 6,572 |
| Core capital (leverage) ratio | 8.6000% | 5,400 |
| Tier 1 risk-based capital ratio | 15.6821% | 3,220 |
| Total risk-based capital ratio | 16.9365% | 3,179 |
| Memoranda: | ||
| Average total assets | $99,741,800 | 4,896 |
| Average earning assets | $91,714,600 | 4,865 |
| Average equity | $8,073,400 | 5,549 |
| Average total loans | $40,868,000 | 5,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 6,004 |
| Cost of funding earning assets | 0.7547% | 5,437 |
| Net interest margin | 3.5264% | 5,070 |
| Noninterest income to average assets | 0.9061% | 1,625 |
| Noninterest expense to average assets | 2.5967% | 5,088 |
| Loan and lease loss provision to assets | 0.6970% | 1,390 |
| Net operating income to assets | 0.8575% | 2,914 |
| Return on assets (ROA) | 0.9157% | 2,817 |
| Pretax return on assets | 0.9280% | 3,661 |
| Return on Equity (ROE) | 11.2767% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.2767% | 585 |
| Net charge-offs to loans | 1.0735% | 1,482 |
| Credit loss provision to net charge-offs | 156.4417% | 1,984 |
| Earnings coverage of net charge-offs (x) | 3.5153% | 3,412 |
| Efficiency ratio | 62.3769% | 5,355 |
| Assets per employee ($millions) | 3.6416% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0559% | 2,186 |
| 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 | 44.9832% | 6,243 |
| Net loans and leases to deposits | 58.8420% | 5,763 |
| Net loans and leases to core deposits | 59.2513% | 6,041 |
| Total domestic deposits to total assets | 76.4475% | 6,467 |
| Equity capital to assets | 9.1126% | 5,627 |
| Core capital (leverage) ratio | 8.8397% | 5,195 |
| Tier 1 risk-based capital ratio | 16.2363% | 3,001 |
| Total risk-based capital ratio | 17.4915% | 2,960 |
| Memoranda: | ||
| Average total assets | $97,558,000 | 4,994 |
| Average earning assets | $90,099,250 | 4,952 |
| Average equity | $7,921,750 | 5,625 |
| Average total loans | $40,489,000 | 5,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 6,163 |
| Cost of funding earning assets | 0.7663% | 5,585 |
| Net interest margin | 3.4824% | 5,234 |
| Noninterest income to average assets | 1.1166% | 1,040 |
| Noninterest expense to average assets | 2.5843% | 5,244 |
| Loan and lease loss provision to assets | 0.9339% | 949 |
| Net operating income to assets | 0.8060% | 3,044 |
| Return on assets (ROA) | 0.8060% | 3,170 |
| Pretax return on assets | 0.8181% | 3,955 |
| Return on Equity (ROE) | 10.3300% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.3300% | 780 |
| Net charge-offs to loans | 1.6916% | 856 |
| Credit loss provision to net charge-offs | 137.7246% | 2,218 |
| Earnings coverage of net charge-offs (x) | 2.5838% | 3,536 |
| Efficiency ratio | 59.5974% | 5,929 |
| Assets per employee ($millions) | 3.8193% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 2,020 |
| 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 | 38.4226% | 6,839 |
| Net loans and leases to deposits | 50.8896% | 6,542 |
| Net loans and leases to core deposits | 51.2313% | 6,708 |
| Total domestic deposits to total assets | 75.5018% | 6,673 |
| Equity capital to assets | 8.6857% | 5,959 |
| Core capital (leverage) ratio | 8.2173% | 6,006 |
| Tier 1 risk-based capital ratio | 15.9442% | 3,003 |
| Total risk-based capital ratio | 17.1980% | 2,970 |
| Memoranda: | ||
| Average total assets | $98,516,670 | 5,003 |
| Average earning assets | $91,085,670 | 4,964 |
| Average equity | $7,686,330 | 5,710 |
| Average total loans | $39,490,330 | 5,820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 6,799 |
| Cost of funding earning assets | 0.7174% | 6,037 |
| Net interest margin | 3.2040% | 6,061 |
| Noninterest income to average assets | 1.7040% | 472 |
| Noninterest expense to average assets | 2.4622% | 5,699 |
| Loan and lease loss provision to assets | 1.8752% | 302 |
| Net operating income to assets | 0.3220% | 5,303 |
| Return on assets (ROA) | 0.3220% | 5,381 |
| Pretax return on assets | 0.3343% | 5,547 |
| Return on Equity (ROE) | 4.3786% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.3786% | 3,544 |
| Net charge-offs to loans | 3.8147% | 247 |
| Credit loss provision to net charge-offs | 121.3720% | 2,250 |
| Earnings coverage of net charge-offs (x) | 1.4301% | 3,633 |
| Efficiency ratio | 52.7051% | 6,810 |
| Assets per employee ($millions) | 3.9060% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,376 |
| Loan loss allowance to noncurrent loans | 98.7516% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 5,333 |
| Noncurrent loans to loans | 2.0389% | 3,526 |
| Net loans and leases to total assets | 37.9042% | 6,912 |
| Net loans and leases to deposits | 50.3137% | 6,604 |
| Net loans and leases to core deposits | 50.6447% | 6,748 |
| Total domestic deposits to total assets | 75.3358% | 6,755 |
| Equity capital to assets | 7.1970% | 7,016 |
| Core capital (leverage) ratio | 7.8559% | 6,411 |
| Tier 1 risk-based capital ratio | 15.0506% | 3,395 |
| Total risk-based capital ratio | 16.3037% | 3,357 |
| Memoranda: | ||
| Average total assets | $98,124,500 | 5,049 |
| Average earning assets | $90,886,500 | 5,011 |
| Average equity | $7,217,000 | 5,866 |
| Average total loans | $39,740,500 | 5,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 6,642 |
| Cost of funding earning assets | 0.9886% | 5,744 |
| Net interest margin | 3.3963% | 5,647 |
| Noninterest income to average assets | 0.4906% | 4,244 |
| Noninterest expense to average assets | 3.2040% | 3,077 |
| Loan and lease loss provision to assets | 0.4050% | 3,687 |
| Net operating income to assets | -0.0336% | 5,900 |
| Return on assets (ROA) | -0.0336% | 5,995 |
| Pretax return on assets | -0.0336% | 5,933 |
| Return on Equity (ROE) | -0.3608% | 6,008 |
| Retained earnings to average equity (ytd only) | -1.2941% | 5,858 |
| Net charge-offs to loans | 0.9903% | 2,203 |
| Credit loss provision to net charge-offs | 92.5926% | 5,013 |
| Earnings coverage of net charge-offs (x) | 0.8492% | 5,281 |
| Efficiency ratio | 89.6117% | 1,349 |
| Assets per employee ($millions) | 3.5071% | 4,920 |
| Cash dividends to net income (ytd only)* | -258.6207% | 7,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 2,972 |
| Loan loss allowance to noncurrent loans | 175.7426% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 6,208 |
| Noncurrent loans to loans | 1.0051% | 5,056 |
| Net loans and leases to total assets | 41.6990% | 6,863 |
| Net loans and leases to deposits | 55.8319% | 6,460 |
| Net loans and leases to core deposits | 56.2294% | 6,680 |
| Total domestic deposits to total assets | 74.6866% | 6,809 |
| Equity capital to assets | 7.5243% | 6,872 |
| Core capital (leverage) ratio | 8.5367% | 5,289 |
| Tier 1 risk-based capital ratio | 15.0343% | 3,227 |
| Total risk-based capital ratio | 16.2851% | 3,186 |
| Memoranda: | ||
| Average total assets | $86,424,000 | 5,397 |
| Average earning assets | $78,497,600 | 5,399 |
| Average equity | $8,036,600 | 5,704 |
| Average total loans | $38,170,400 | 6,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 6,789 |
| Cost of funding earning assets | 0.9672% | 6,092 |
| Net interest margin | 3.4523% | 5,484 |
| Noninterest income to average assets | 0.5010% | 4,179 |
| Noninterest expense to average assets | 3.2054% | 2,911 |
| Loan and lease loss provision to assets | 0.0790% | 6,255 |
| Net operating income to assets | 0.3335% | 5,033 |
| Return on assets (ROA) | 0.3335% | 5,204 |
| Pretax return on assets | 0.3477% | 5,376 |
| Return on Equity (ROE) | 3.4041% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.1941% | 4,856 |
| Net charge-offs to loans | -0.0389% | 7,439 |
| Credit loss provision to net charge-offs | -454.5455% | 7,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2507% | 1,437 |
| Assets per employee ($millions) | 3.0197% | 6,111 |
| Cash dividends to net income (ytd only)* | 35.5454% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 2,013 |
| Loan loss allowance to noncurrent loans | 92.4769% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 5,109 |
| Noncurrent loans to loans | 2.2636% | 3,370 |
| Net loans and leases to total assets | 42.6744% | 6,931 |
| Net loans and leases to deposits | 55.5135% | 6,646 |
| Net loans and leases to core deposits | 55.9289% | 6,863 |
| Total domestic deposits to total assets | 76.8722% | 6,508 |
| Equity capital to assets | 9.8812% | 4,316 |
| Core capital (leverage) ratio | 9.4452% | 3,995 |
| Tier 1 risk-based capital ratio | 16.5755% | 2,528 |
| Total risk-based capital ratio | 17.8312% | 2,478 |
| Memoranda: | ||
| Average total assets | $84,356,750 | 5,528 |
| Average earning assets | $76,507,250 | 5,532 |
| Average equity | $8,264,500 | 5,706 |
| Average total loans | $37,664,000 | 6,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 7,070 |
| Cost of funding earning assets | 0.8864% | 6,637 |
| Net interest margin | 3.4008% | 5,643 |
| Noninterest income to average assets | 0.5067% | 4,058 |
| Noninterest expense to average assets | 3.2995% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2978% | 5,186 |
| Return on assets (ROA) | 0.2978% | 5,339 |
| Pretax return on assets | 0.3122% | 5,465 |
| Return on Equity (ROE) | 3.0486% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.2047% | 5,268 |
| Net charge-offs to loans | -0.0373% | 7,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3564% | 1,229 |
| Assets per employee ($millions) | 2.6834% | 6,802 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9992% | 2,184 |
| Loan loss allowance to noncurrent loans | 92.3172% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 5,196 |
| Noncurrent loans to loans | 2.1656% | 3,512 |
| Net loans and leases to total assets | 43.9027% | 6,929 |
| Net loans and leases to deposits | 55.3761% | 6,770 |
| Net loans and leases to core deposits | 55.7992% | 6,950 |
| Total domestic deposits to total assets | 79.2809% | 5,944 |
| Equity capital to assets | 10.2051% | 3,759 |
| Core capital (leverage) ratio | 9.3680% | 4,011 |
| Tier 1 risk-based capital ratio | 16.9726% | 2,291 |
| Total risk-based capital ratio | 18.2258% | 2,242 |
| Memoranda: | ||
| Average total assets | $83,285,670 | 5,587 |
| Average earning assets | $76,041,330 | 5,576 |
| Average equity | $8,135,000 | 5,753 |
| Average total loans | $37,495,670 | 6,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 7,260 |
| Cost of funding earning assets | 0.8889% | 6,814 |
| Net interest margin | 3.3138% | 5,914 |
| Noninterest income to average assets | 0.4128% | 4,785 |
| Noninterest expense to average assets | 3.0959% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3264% | 5,185 |
| Return on assets (ROA) | 0.3264% | 5,314 |
| Pretax return on assets | 0.3408% | 5,492 |
| Return on Equity (ROE) | 3.4179% | 5,158 |
| Retained earnings to average equity (ytd only) | -0.3518% | 5,909 |
| Net charge-offs to loans | -0.0319% | 7,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0838% | 1,430 |
| Assets per employee ($millions) | 2.6696% | 6,919 |
| Cash dividends to net income (ytd only)* | 110.2941% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,850 |
| Loan loss allowance to noncurrent loans | 91.4815% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 5,191 |
| Noncurrent loans to loans | 2.3513% | 3,327 |
| Net loans and leases to total assets | 40.7313% | 7,205 |
| Net loans and leases to deposits | 51.0124% | 7,081 |
| Net loans and leases to core deposits | 51.4014% | 7,229 |
| Total domestic deposits to total assets | 79.8458% | 5,838 |
| Equity capital to assets | 9.6258% | 4,338 |
| Core capital (leverage) ratio | 9.4848% | 3,795 |
| Tier 1 risk-based capital ratio | 17.5916% | 2,054 |
| Total risk-based capital ratio | 18.8472% | 2,024 |
| Memoranda: | ||
| Average total assets | $83,336,500 | 5,652 |
| Average earning assets | $76,045,500 | 5,635 |
| Average equity | $7,958,000 | 5,865 |
| Average total loans | $37,611,000 | 6,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 6,002 |
| Cost of funding earning assets | 1.0602% | 7,075 |
| Net interest margin | 4.0591% | 2,611 |
| Noninterest income to average assets | 0.4304% | 4,954 |
| Noninterest expense to average assets | 3.3657% | 2,789 |
| Loan and lease loss provision to assets | 0.6926% | 3,056 |
| Net operating income to assets | 0.0281% | 5,403 |
| Return on assets (ROA) | 0.0321% | 5,441 |
| Pretax return on assets | 0.0366% | 5,357 |
| Return on Equity (ROE) | 0.1741% | 5,477 |
| Retained earnings to average equity (ytd only) | -66.5900% | 7,789 |
| Net charge-offs to loans | 1.3024% | 1,908 |
| Credit loss provision to net charge-offs | 116.5703% | 4,651 |
| Earnings coverage of net charge-offs (x) | 1.2197% | 4,907 |
| Efficiency ratio | 82.2838% | 2,563 |
| Assets per employee ($millions) | 2.7070% | 6,841 |
| Cash dividends to net income (ytd only)* | 38,346.4286% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,508 |
| Loan loss allowance to noncurrent loans | 90.4412% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 5,163 |
| Noncurrent loans to loans | 2.0013% | 3,649 |
| Net loans and leases to total assets | 47.7084% | 6,830 |
| Net loans and leases to deposits | 62.5098% | 6,412 |
| Net loans and leases to core deposits | 66.4702% | 6,959 |
| Total domestic deposits to total assets | 76.3216% | 6,614 |
| Equity capital to assets | 9.4738% | 4,450 |
| Core capital (leverage) ratio | 9.0684% | 4,305 |
| Tier 1 risk-based capital ratio | 15.7610% | 2,615 |
| Total risk-based capital ratio | 17.0142% | 2,550 |
| Memoranda: | ||
| Average total assets | $87,351,400 | 5,472 |
| Average earning assets | $78,760,600 | 5,500 |
| Average equity | $16,082,000 | 3,858 |
| Average total loans | $39,848,800 | 6,117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 6,914 |
| Cost of funding earning assets | 1.0847% | 7,204 |
| Net interest margin | 3.8024% | 3,645 |
| Noninterest income to average assets | 0.4308% | 5,035 |
| Noninterest expense to average assets | 3.3540% | 2,714 |
| Loan and lease loss provision to assets | 0.8011% | 2,359 |
| Net operating income to assets | -0.3008% | 6,200 |
| Return on assets (ROA) | -0.2932% | 6,208 |
| Pretax return on assets | -0.2887% | 6,087 |
| Return on Equity (ROE) | -1.4279% | 6,006 |
| Retained earnings to average equity (ytd only) | -8.7881% | 6,686 |
| Net charge-offs to loans | 0.8582% | 2,252 |
| Credit loss provision to net charge-offs | 207.8431% | 2,128 |
| Earnings coverage of net charge-offs (x) | 1.3098% | 4,802 |
| Efficiency ratio | 86.9174% | 1,973 |
| Assets per employee ($millions) | 2.7489% | 6,738 |
| Cash dividends to net income (ytd only)* | -515.4643% | 8,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 1,525 |
| Loan loss allowance to noncurrent loans | 71.3077% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 4,162 |
| Noncurrent loans to loans | 2.9967% | 2,520 |
| Net loans and leases to total assets | 48.2624% | 6,929 |
| Net loans and leases to deposits | 75.2037% | 5,179 |
| Net loans and leases to core deposits | 81.9354% | 6,193 |
| Total domestic deposits to total assets | 64.1755% | 7,761 |
| Equity capital to assets | 20.1160% | 335 |
| Core capital (leverage) ratio | 20.2698% | 299 |
| Tier 1 risk-based capital ratio | 32.6918% | 452 |
| Total risk-based capital ratio | 33.9482% | 441 |
| Memoranda: | ||
| Average total assets | $88,210,250 | 5,476 |
| Average earning assets | $79,526,750 | 5,506 |
| Average equity | $18,115,000 | 3,513 |
| Average total loans | $39,617,750 | 6,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 7,270 |
| Cost of funding earning assets | 1.1355% | 7,287 |
| Net interest margin | 3.6372% | 4,219 |
| Noninterest income to average assets | 0.4304% | 5,027 |
| Noninterest expense to average assets | 3.3072% | 2,928 |
| Loan and lease loss provision to assets | 1.2006% | 1,431 |
| Net operating income to assets | -0.8359% | 6,853 |
| Return on assets (ROA) | -0.8291% | 6,854 |
| Pretax return on assets | -0.8200% | 6,691 |
| Return on Equity (ROE) | -4.0099% | 6,481 |
| Retained earnings to average equity (ytd only) | -14.9658% | 7,234 |
| Net charge-offs to loans | 1.3607% | 1,374 |
| Credit loss provision to net charge-offs | 203.0651% | 2,247 |
| Earnings coverage of net charge-offs (x) | 0.6322% | 5,072 |
| Efficiency ratio | 89.8462% | 1,830 |
| Assets per employee ($millions) | 2.5965% | 7,058 |
| Cash dividends to net income (ytd only)* | -273.2240% | 8,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3063% | 1,092 |
| Loan loss allowance to noncurrent loans | 71.0648% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 3,958 |
| Noncurrent loans to loans | 3.2454% | 2,189 |
| Net loans and leases to total assets | 45.5318% | 7,229 |
| Net loans and leases to deposits | 67.3683% | 6,258 |
| Net loans and leases to core deposits | 73.1320% | 6,834 |
| Total domestic deposits to total assets | 67.5863% | 7,648 |
| Equity capital to assets | 20.0647% | 382 |
| Core capital (leverage) ratio | 19.9876% | 360 |
| Tier 1 risk-based capital ratio | 34.4861% | 432 |
| Total risk-based capital ratio | 35.7433% | 426 |
| Memoranda: | ||
| Average total assets | $88,292,000 | 5,524 |
| Average earning assets | $78,907,330 | 5,567 |
| Average equity | $18,255,000 | 3,513 |
| Average total loans | $38,363,330 | 6,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 7,660 |
| Cost of funding earning assets | 1.1776% | 7,346 |
| Net interest margin | 3.3805% | 5,212 |
| Noninterest income to average assets | 0.3929% | 5,266 |
| Noninterest expense to average assets | 3.2055% | 2,964 |
| Loan and lease loss provision to assets | 1.7858% | 690 |
| Net operating income to assets | -1.6340% | 7,554 |
| Return on assets (ROA) | -1.6340% | 7,554 |
| Pretax return on assets | -1.6251% | 7,410 |
| Return on Equity (ROE) | -7.7928% | 7,225 |
| Retained earnings to average equity (ytd only) | -7.7928% | 6,893 |
| Net charge-offs to loans | 2.8314% | 462 |
| Credit loss provision to net charge-offs | 150.3759% | 2,769 |
| Earnings coverage of net charge-offs (x) | 0.1353% | 4,865 |
| Efficiency ratio | 95.2255% | 1,366 |
| Assets per employee ($millions) | 2.6367% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,093 |
| Loan loss allowance to noncurrent loans | 58.5693% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 3,753 |
| Noncurrent loans to loans | 3.7452% | 1,656 |
| Net loans and leases to total assets | 37.9769% | 7,664 |
| Net loans and leases to deposits | 54.6278% | 7,247 |
| Net loans and leases to core deposits | 58.6895% | 7,508 |
| Total domestic deposits to total assets | 69.5194% | 7,469 |
| Equity capital to assets | 20.0303% | 417 |
| Core capital (leverage) ratio | 21.0821% | 345 |
| Tier 1 risk-based capital ratio | 37.9932% | 360 |
| Total risk-based capital ratio | 39.2472% | 351 |
| Memoranda: | ||
| Average total assets | $89,596,500 | 5,500 |
| Average earning assets | $78,806,000 | 5,595 |
| Average equity | $18,786,500 | 3,444 |
| Average total loans | $37,578,000 | 6,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 7,015 |
| Cost of funding earning assets | 1.4350% | 7,702 |
| Net interest margin | 4.1826% | 2,382 |
| Noninterest income to average assets | 0.5070% | 4,566 |
| Noninterest expense to average assets | 1.9034% | 7,605 |
| Loan and lease loss provision to assets | 1.1848% | 1,218 |
| Net operating income to assets | 1.1304% | 2,028 |
| Return on assets (ROA) | 1.1395% | 1,909 |
| Pretax return on assets | 1.1662% | 2,783 |
| Return on Equity (ROE) | 5.0339% | 4,371 |
| Retained earnings to average equity (ytd only) | -2.1574% | 5,916 |
| Net charge-offs to loans | 3.3598% | 239 |
| Credit loss provision to net charge-offs | 74.2711% | 6,007 |
| Earnings coverage of net charge-offs (x) | 1.4679% | 5,375 |
| Efficiency ratio | 44.8370% | 7,978 |
| Assets per employee ($millions) | 2.5561% | 7,095 |
| Cash dividends to net income (ytd only)* | 142.8571% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 2,035 |
| Loan loss allowance to noncurrent loans | 40.4718% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 2,664 |
| Noncurrent loans to loans | 4.0968% | 1,187 |
| Net loans and leases to total assets | 44.4965% | 7,437 |
| Net loans and leases to deposits | 65.6175% | 6,666 |
| Net loans and leases to core deposits | 70.5109% | 7,161 |
| Total domestic deposits to total assets | 67.8119% | 7,487 |
| Equity capital to assets | 21.9635% | 354 |
| Core capital (leverage) ratio | 21.9656% | 338 |
| Tier 1 risk-based capital ratio | 37.1571% | 392 |
| Total risk-based capital ratio | 38.4070% | 383 |
| Memoranda: | ||
| Average total assets | $86,002,800 | 5,481 |
| Average earning assets | $76,866,600 | 5,553 |
| Average equity | $19,468,000 | 3,311 |
| Average total loans | $40,836,000 | 6,130 |