Home > The First National Bank of Minersville > Performance and Condition Ratios
The First National Bank of Minersville, 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 | 3.1525% | 5,897 |
| Cost of funding earning assets | 0.2343% | 5,475 |
| Net interest margin | 2.9182% | 5,604 |
| Noninterest income to average assets | 0.7168% | 2,232 |
| Noninterest expense to average assets | 3.1025% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2940% | 5,534 |
| Return on assets (ROA) | -0.3603% | 6,254 |
| Pretax return on assets | -0.3603% | 6,241 |
| Return on Equity (ROE) | -2.4883% | 6,229 |
| Retained earnings to average equity (ytd only) | -4.0348% | 6,140 |
| Net charge-offs to loans | 0.0368% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.7857% | 1,984 |
| Efficiency ratio | 91.3444% | 756 |
| Assets per employee ($millions) | 5.2030% | 2,069 |
| Cash dividends to net income (ytd only)* | -62.1528% | 6,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 4,973 |
| Loan loss allowance to noncurrent loans | 141.7969% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 4,089 |
| Noncurrent loans to loans | 0.7147% | 3,534 |
| Net loans and leases to total assets | 45.4315% | 5,374 |
| Net loans and leases to deposits | 53.5305% | 5,368 |
| Net loans and leases to core deposits | 54.9406% | 5,446 |
| Total domestic deposits to total assets | 84.8703% | 3,341 |
| Equity capital to assets | 15.0298% | 702 |
| Core capital (leverage) ratio | 14.3855% | 731 |
| Tier 1 risk-based capital ratio | 34.5553% | 353 |
| Total risk-based capital ratio | 35.6329% | 354 |
| Memoranda: | ||
| Average total assets | $79,935,600 | 5,065 |
| Average earning assets | $73,401,000 | 5,055 |
| Average equity | $11,574,200 | 4,439 |
| Average total loans | $38,089,000 | 5,251 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1751% | 5,930 |
| Cost of funding earning assets | 0.2402% | 5,510 |
| Net interest margin | 2.9349% | 5,624 |
| Noninterest income to average assets | 0.6666% | 2,494 |
| Noninterest expense to average assets | 3.3744% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0133% | 6,153 |
| Return on assets (ROA) | -0.9004% | 6,448 |
| Pretax return on assets | -0.9004% | 6,437 |
| Return on Equity (ROE) | -6.2762% | 6,392 |
| Retained earnings to average equity (ytd only) | -6.2762% | 6,303 |
| Net charge-offs to loans | 0.0034% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -8.0226% | 4,626 |
| Efficiency ratio | 100.3947% | 353 |
| Assets per employee ($millions) | 5.0206% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 5,089 |
| Loan loss allowance to noncurrent loans | 168.9655% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 4,327 |
| Noncurrent loans to loans | 0.6084% | 4,104 |
| Net loans and leases to total assets | 52.8514% | 4,715 |
| Net loans and leases to deposits | 61.7977% | 4,758 |
| Net loans and leases to core deposits | 62.7096% | 4,986 |
| Total domestic deposits to total assets | 85.5233% | 3,106 |
| Equity capital to assets | 14.3759% | 887 |
| Core capital (leverage) ratio | 14.3202% | 765 |
| Tier 1 risk-based capital ratio | 29.1347% | 570 |
| Total risk-based capital ratio | 30.2456% | 570 |
| Memoranda: | ||
| Average total assets | $80,408,250 | 5,110 |
| Average earning assets | $73,822,250 | 5,104 |
| Average equity | $11,535,250 | 4,477 |
| Average total loans | $38,656,250 | 5,281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1485% | 6,007 |
| Cost of funding earning assets | 0.2501% | 5,483 |
| Net interest margin | 2.8983% | 5,739 |
| Noninterest income to average assets | 0.7136% | 2,216 |
| Noninterest expense to average assets | 3.2573% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1069% | 6,033 |
| Return on assets (ROA) | -1.4372% | 6,567 |
| Pretax return on assets | -1.4372% | 6,552 |
| Return on Equity (ROE) | -10.0251% | 6,513 |
| Retained earnings to average equity (ytd only) | -10.0251% | 6,420 |
| Net charge-offs to loans | 0.0054% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,003 |
| Efficiency ratio | 96.8219% | 518 |
| Assets per employee ($millions) | 4.6288% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,442 |
| Loan loss allowance to noncurrent loans | 37.9845% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.5199% | 2,142 |
| Noncurrent loans to loans | 3.1483% | 903 |
| Net loans and leases to total assets | 46.3032% | 5,333 |
| Net loans and leases to deposits | 54.3553% | 5,327 |
| Net loans and leases to core deposits | 58.1534% | 5,262 |
| Total domestic deposits to total assets | 85.1862% | 3,412 |
| Equity capital to assets | 14.6931% | 775 |
| Core capital (leverage) ratio | 14.2249% | 768 |
| Tier 1 risk-based capital ratio | 33.4921% | 394 |
| Total risk-based capital ratio | 34.7440% | 385 |
| Memoranda: | ||
| Average total assets | $80,434,670 | 5,152 |
| Average earning assets | $73,560,000 | 5,149 |
| Average equity | $11,531,000 | 4,491 |
| Average total loans | $37,243,000 | 5,366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,066 |
| Cost of funding earning assets | 0.2480% | 5,597 |
| Net interest margin | 2.9006% | 5,753 |
| Noninterest income to average assets | 0.8855% | 1,441 |
| Noninterest expense to average assets | 3.3306% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2017% | 5,796 |
| Return on assets (ROA) | -2.8534% | 6,685 |
| Pretax return on assets | -2.8534% | 6,680 |
| Return on Equity (ROE) | -20.1468% | 6,631 |
| Retained earnings to average equity (ytd only) | -20.1468% | 6,535 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2897% | 735 |
| Assets per employee ($millions) | 4.7890% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,676 |
| Loan loss allowance to noncurrent loans | 31.9134% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 2,005 |
| Noncurrent loans to loans | 3.7313% | 756 |
| Net loans and leases to total assets | 45.0493% | 5,423 |
| Net loans and leases to deposits | 52.4677% | 5,427 |
| Net loans and leases to core deposits | 55.9725% | 5,354 |
| Total domestic deposits to total assets | 85.8610% | 3,434 |
| Equity capital to assets | 14.0334% | 911 |
| Core capital (leverage) ratio | 14.1333% | 781 |
| Tier 1 risk-based capital ratio | 31.1745% | 479 |
| Total risk-based capital ratio | 32.3697% | 479 |
| Memoranda: | ||
| Average total assets | $81,307,000 | 5,179 |
| Average earning assets | $74,190,500 | 5,173 |
| Average equity | $11,515,500 | 4,506 |
| Average total loans | $37,426,000 | 5,410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 5,587 |
| Cost of funding earning assets | 0.3078% | 5,534 |
| Net interest margin | 3.2191% | 4,934 |
| Noninterest income to average assets | 0.5021% | 3,745 |
| Noninterest expense to average assets | 3.1240% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2868% | 5,568 |
| Return on assets (ROA) | 0.3274% | 5,533 |
| Pretax return on assets | 0.3808% | 5,538 |
| Return on Equity (ROE) | 2.2656% | 5,747 |
| Retained earnings to average equity (ytd only) | 0.5202% | 5,604 |
| Net charge-offs to loans | 0.2029% | 2,847 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.4810% | 3,838 |
| Efficiency ratio | 90.3543% | 995 |
| Assets per employee ($millions) | 4.0601% | 3,735 |
| Cash dividends to net income (ytd only)* | 77.0370% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 4,805 |
| Loan loss allowance to noncurrent loans | 87.8728% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 4,227 |
| Noncurrent loans to loans | 1.3330% | 2,907 |
| Net loans and leases to total assets | 45.9255% | 5,493 |
| Net loans and leases to deposits | 53.6437% | 5,497 |
| Net loans and leases to core deposits | 57.2481% | 5,446 |
| Total domestic deposits to total assets | 85.6122% | 3,452 |
| Equity capital to assets | 14.2929% | 829 |
| Core capital (leverage) ratio | 14.5498% | 681 |
| Tier 1 risk-based capital ratio | 30.8917% | 468 |
| Total risk-based capital ratio | 32.0190% | 467 |
| Memoranda: | ||
| Average total assets | $82,458,000 | 5,180 |
| Average earning assets | $75,704,600 | 5,162 |
| Average equity | $11,917,400 | 4,455 |
| Average total loans | $38,939,800 | 5,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 5,636 |
| Cost of funding earning assets | 0.3138% | 5,607 |
| Net interest margin | 3.2083% | 4,970 |
| Noninterest income to average assets | 0.5557% | 3,420 |
| Noninterest expense to average assets | 3.1991% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2455% | 5,792 |
| Return on assets (ROA) | 0.2964% | 5,744 |
| Pretax return on assets | 0.3673% | 5,707 |
| Return on Equity (ROE) | 2.0452% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.4002% | 5,809 |
| Net charge-offs to loans | 0.3126% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.0544% | 4,146 |
| Efficiency ratio | 91.3103% | 898 |
| Assets per employee ($millions) | 3.9630% | 3,908 |
| Cash dividends to net income (ytd only)* | 80.4345% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,260 |
| Loan loss allowance to noncurrent loans | 92.4569% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 4,611 |
| Noncurrent loans to loans | 1.2092% | 3,398 |
| Net loans and leases to total assets | 45.5913% | 5,585 |
| Net loans and leases to deposits | 53.0769% | 5,625 |
| Net loans and leases to core deposits | 56.6222% | 5,567 |
| Total domestic deposits to total assets | 85.8968% | 3,317 |
| Equity capital to assets | 13.9999% | 967 |
| Core capital (leverage) ratio | 14.4915% | 739 |
| Tier 1 risk-based capital ratio | 30.2128% | 505 |
| Total risk-based capital ratio | 31.2881% | 510 |
| Memoranda: | ||
| Average total assets | $82,772,250 | 5,224 |
| Average earning assets | $76,049,750 | 5,195 |
| Average equity | $11,995,250 | 4,494 |
| Average total loans | $39,241,250 | 5,433 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 5,610 |
| Cost of funding earning assets | 0.3157% | 5,710 |
| Net interest margin | 3.2228% | 4,861 |
| Noninterest income to average assets | 0.5253% | 3,668 |
| Noninterest expense to average assets | 3.1759% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2630% | 5,736 |
| Return on assets (ROA) | 0.3413% | 5,610 |
| Pretax return on assets | 0.4091% | 5,622 |
| Return on Equity (ROE) | 2.3287% | 5,854 |
| Retained earnings to average equity (ytd only) | 0.6936% | 5,623 |
| Net charge-offs to loans | 0.3440% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9118% | 3,883 |
| Efficiency ratio | 90.9847% | 984 |
| Assets per employee ($millions) | 3.8801% | 4,047 |
| Cash dividends to net income (ytd only)* | 70.2128% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,176 |
| Loan loss allowance to noncurrent loans | 84.6729% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 4,449 |
| Noncurrent loans to loans | 1.3759% | 3,249 |
| Net loans and leases to total assets | 47.1650% | 5,410 |
| Net loans and leases to deposits | 55.3067% | 5,407 |
| Net loans and leases to core deposits | 59.1137% | 5,337 |
| Total domestic deposits to total assets | 85.2790% | 3,754 |
| Equity capital to assets | 14.6253% | 792 |
| Core capital (leverage) ratio | 14.4764% | 707 |
| Tier 1 risk-based capital ratio | 30.3633% | 504 |
| Total risk-based capital ratio | 31.5038% | 502 |
| Memoranda: | ||
| Average total assets | $82,622,330 | 5,255 |
| Average earning assets | $76,020,330 | 5,225 |
| Average equity | $12,110,000 | 4,507 |
| Average total loans | $39,531,330 | 5,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 5,687 |
| Cost of funding earning assets | 0.3230% | 5,778 |
| Net interest margin | 3.1832% | 4,984 |
| Noninterest income to average assets | 0.3847% | 4,581 |
| Noninterest expense to average assets | 3.3176% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0577% | 6,411 |
| Return on assets (ROA) | -0.0577% | 6,463 |
| Pretax return on assets | 0.0048% | 6,403 |
| Return on Equity (ROE) | -0.3932% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.9662% | 6,073 |
| Net charge-offs to loans | 0.6724% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0149% | 3,825 |
| Efficiency ratio | 99.8553% | 550 |
| Assets per employee ($millions) | 3.9022% | 4,156 |
| Cash dividends to net income (ytd only)* | -400.0000% | 6,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,403 |
| Loan loss allowance to noncurrent loans | 103.1891% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 4,923 |
| Noncurrent loans to loans | 1.1157% | 3,917 |
| Net loans and leases to total assets | 47.4630% | 5,284 |
| Net loans and leases to deposits | 55.9240% | 5,254 |
| Net loans and leases to core deposits | 59.4955% | 5,195 |
| Total domestic deposits to total assets | 84.8705% | 4,106 |
| Equity capital to assets | 14.8573% | 791 |
| Core capital (leverage) ratio | 14.2350% | 735 |
| Tier 1 risk-based capital ratio | 29.6342% | 553 |
| Total risk-based capital ratio | 30.7568% | 552 |
| Memoranda: | ||
| Average total assets | $83,192,500 | 5,293 |
| Average earning assets | $76,777,500 | 5,244 |
| Average equity | $12,206,500 | 4,535 |
| Average total loans | $39,855,000 | 5,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 5,258 |
| Cost of funding earning assets | 0.3729% | 6,087 |
| Net interest margin | 3.6411% | 3,916 |
| Noninterest income to average assets | 0.5535% | 3,553 |
| Noninterest expense to average assets | 3.1563% | 2,748 |
| Loan and lease loss provision to assets | 0.0658% | 4,935 |
| Net operating income to assets | 0.4454% | 4,902 |
| Return on assets (ROA) | 0.4454% | 5,154 |
| Pretax return on assets | 0.6592% | 4,798 |
| Return on Equity (ROE) | 3.1306% | 5,501 |
| Retained earnings to average equity (ytd only) | 1.5116% | 5,110 |
| Net charge-offs to loans | 0.2847% | 3,237 |
| Credit loss provision to net charge-offs | 47.8632% | 4,744 |
| Earnings coverage of net charge-offs (x) | 5.2735% | 3,086 |
| Efficiency ratio | 81.3200% | 1,969 |
| Assets per employee ($millions) | 3.8381% | 4,293 |
| Cash dividends to net income (ytd only)* | 51.7150% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,680 |
| Loan loss allowance to noncurrent loans | 208.4000% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 5,166 |
| Noncurrent loans to loans | 0.6194% | 4,966 |
| Net loans and leases to total assets | 47.1844% | 5,492 |
| Net loans and leases to deposits | 55.3330% | 5,509 |
| Net loans and leases to core deposits | 58.7588% | 5,474 |
| Total domestic deposits to total assets | 85.2734% | 3,725 |
| Equity capital to assets | 14.4933% | 876 |
| Core capital (leverage) ratio | 13.9380% | 820 |
| Tier 1 risk-based capital ratio | 28.8412% | 568 |
| Total risk-based capital ratio | 30.0914% | 557 |
| Memoranda: | ||
| Average total assets | $85,099,000 | 5,217 |
| Average earning assets | $77,778,000 | 5,193 |
| Average equity | $12,106,400 | 4,549 |
| Average total loans | $41,094,400 | 5,457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 5,275 |
| Cost of funding earning assets | 0.3824% | 6,210 |
| Net interest margin | 3.6950% | 3,823 |
| Noninterest income to average assets | 0.5708% | 3,464 |
| Noninterest expense to average assets | 3.1024% | 2,884 |
| Loan and lease loss provision to assets | 0.0876% | 4,510 |
| Net operating income to assets | 0.5035% | 4,831 |
| Return on assets (ROA) | 0.5035% | 5,095 |
| Pretax return on assets | 0.7506% | 4,675 |
| Return on Equity (ROE) | 3.5559% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.9326% | 5,361 |
| Net charge-offs to loans | 0.3876% | 2,543 |
| Credit loss provision to net charge-offs | 46.6667% | 4,478 |
| Earnings coverage of net charge-offs (x) | 4.4666% | 3,295 |
| Efficiency ratio | 78.7302% | 2,277 |
| Assets per employee ($millions) | 3.9391% | 3,995 |
| Cash dividends to net income (ytd only)* | 45.6536% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,998 |
| Loan loss allowance to noncurrent loans | 214.0496% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 5,417 |
| Noncurrent loans to loans | 0.5894% | 5,262 |
| Net loans and leases to total assets | 46.7777% | 5,680 |
| Net loans and leases to deposits | 54.6828% | 5,748 |
| Net loans and leases to core deposits | 57.9644% | 5,735 |
| Total domestic deposits to total assets | 85.5437% | 3,486 |
| Equity capital to assets | 14.1275% | 1,106 |
| Core capital (leverage) ratio | 14.1922% | 775 |
| Tier 1 risk-based capital ratio | 28.2028% | 639 |
| Total risk-based capital ratio | 29.4191% | 625 |
| Memoranda: | ||
| Average total assets | $85,264,000 | 5,266 |
| Average earning assets | $77,760,000 | 5,249 |
| Average equity | $12,073,500 | 4,598 |
| Average total loans | $41,277,250 | 5,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 5,047 |
| Cost of funding earning assets | 0.3968% | 6,278 |
| Net interest margin | 3.7758% | 3,475 |
| Noninterest income to average assets | 0.5024% | 3,908 |
| Noninterest expense to average assets | 3.1274% | 2,824 |
| Loan and lease loss provision to assets | 0.1038% | 4,229 |
| Net operating income to assets | 0.5307% | 4,669 |
| Return on assets (ROA) | 0.5307% | 4,951 |
| Pretax return on assets | 0.7052% | 4,819 |
| Return on Equity (ROE) | 3.7447% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.0970% | 5,151 |
| Net charge-offs to loans | 0.5804% | 1,867 |
| Credit loss provision to net charge-offs | 36.6667% | 4,326 |
| Earnings coverage of net charge-offs (x) | 2.8583% | 3,599 |
| Efficiency ratio | 79.4488% | 2,271 |
| Assets per employee ($millions) | 3.9609% | 3,953 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,219 |
| Loan loss allowance to noncurrent loans | 200.7937% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,112 |
| Noncurrent loans to loans | 0.6118% | 5,289 |
| Net loans and leases to total assets | 48.9156% | 5,501 |
| Net loans and leases to deposits | 57.3978% | 5,515 |
| Net loans and leases to core deposits | 61.0091% | 5,488 |
| Total domestic deposits to total assets | 85.2221% | 3,757 |
| Equity capital to assets | 14.5567% | 902 |
| Core capital (leverage) ratio | 13.8815% | 839 |
| Tier 1 risk-based capital ratio | 28.2997% | 623 |
| Total risk-based capital ratio | 29.4968% | 615 |
| Memoranda: | ||
| Average total assets | $84,798,330 | 5,309 |
| Average earning assets | $77,122,330 | 5,297 |
| Average equity | $12,017,000 | 4,599 |
| Average total loans | $41,351,000 | 5,538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 5,009 |
| Cost of funding earning assets | 0.4128% | 6,346 |
| Net interest margin | 3.8137% | 3,326 |
| Noninterest income to average assets | 0.6355% | 3,022 |
| Noninterest expense to average assets | 3.2006% | 2,598 |
| Loan and lease loss provision to assets | 0.1121% | 3,958 |
| Net operating income to assets | 0.5934% | 4,374 |
| Return on assets (ROA) | 0.5934% | 4,591 |
| Pretax return on assets | 0.7756% | 4,510 |
| Return on Equity (ROE) | 4.2434% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.5728% | 4,969 |
| Net charge-offs to loans | 1.1779% | 871 |
| Credit loss provision to net charge-offs | 19.6721% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.5574% | 3,552 |
| Efficiency ratio | 78.2857% | 2,457 |
| Assets per employee ($millions) | 4.1972% | 3,583 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 5,668 |
| Loan loss allowance to noncurrent loans | 201.6667% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 4,950 |
| Noncurrent loans to loans | 0.5757% | 5,516 |
| Net loans and leases to total assets | 46.7473% | 5,703 |
| Net loans and leases to deposits | 54.2379% | 5,786 |
| Net loans and leases to core deposits | 57.4072% | 5,766 |
| Total domestic deposits to total assets | 86.1893% | 3,419 |
| Equity capital to assets | 13.6235% | 1,187 |
| Core capital (leverage) ratio | 14.0044% | 804 |
| Tier 1 risk-based capital ratio | 27.2061% | 712 |
| Total risk-based capital ratio | 28.3114% | 709 |
| Memoranda: | ||
| Average total assets | $85,608,500 | 5,323 |
| Average earning assets | $77,510,500 | 5,313 |
| Average equity | $11,971,500 | 4,615 |
| Average total loans | $41,430,000 | 5,572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 4,898 |
| Cost of funding earning assets | 0.5022% | 6,522 |
| Net interest margin | 4.0425% | 2,668 |
| Noninterest income to average assets | 0.3705% | 4,858 |
| Noninterest expense to average assets | 3.0384% | 3,445 |
| Loan and lease loss provision to assets | 0.0755% | 5,665 |
| Net operating income to assets | 0.6065% | 3,969 |
| Return on assets (ROA) | 0.6065% | 4,152 |
| Pretax return on assets | 0.8567% | 3,757 |
| Return on Equity (ROE) | 4.3496% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.6064% | 4,373 |
| Net charge-offs to loans | 0.0235% | 6,112 |
| Credit loss provision to net charge-offs | 640.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 374 |
| Efficiency ratio | 76.5230% | 2,821 |
| Assets per employee ($millions) | 3.7761% | 4,376 |
| Cash dividends to net income (ytd only)* | 40.0778% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 4,397 |
| Loan loss allowance to noncurrent loans | 98.9796% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 4,449 |
| Noncurrent loans to loans | 1.4282% | 4,021 |
| Net loans and leases to total assets | 48.8595% | 5,734 |
| Net loans and leases to deposits | 57.1296% | 5,785 |
| Net loans and leases to core deposits | 60.7126% | 5,780 |
| Total domestic deposits to total assets | 85.5239% | 3,582 |
| Equity capital to assets | 14.3665% | 945 |
| Core capital (leverage) ratio | 13.7266% | 889 |
| Tier 1 risk-based capital ratio | 27.5711% | 657 |
| Total risk-based capital ratio | 28.8220% | 646 |
| Memoranda: | ||
| Average total assets | $84,748,200 | 5,317 |
| Average earning assets | $75,473,600 | 5,358 |
| Average equity | $11,817,200 | 4,593 |
| Average total loans | $42,508,000 | 5,580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 5,053 |
| Cost of funding earning assets | 0.5093% | 6,663 |
| Net interest margin | 4.0480% | 2,696 |
| Noninterest income to average assets | 0.3961% | 4,695 |
| Noninterest expense to average assets | 2.9260% | 3,815 |
| Loan and lease loss provision to assets | 0.0814% | 5,426 |
| Net operating income to assets | 0.7655% | 3,318 |
| Return on assets (ROA) | 0.7655% | 3,480 |
| Pretax return on assets | 0.9972% | 3,414 |
| Return on Equity (ROE) | 5.5310% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.8005% | 4,028 |
| Net charge-offs to loans | 0.0218% | 5,845 |
| Credit loss provision to net charge-offs | 742.8571% | 369 |
| Earnings coverage of net charge-offs (x) | 98.4609% | 369 |
| Efficiency ratio | 73.0649% | 3,351 |
| Assets per employee ($millions) | 3.9402% | 3,976 |
| Cash dividends to net income (ytd only)* | 31.2878% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 4,691 |
| Loan loss allowance to noncurrent loans | 117.9012% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 4,911 |
| Noncurrent loans to loans | 1.1605% | 4,600 |
| Net loans and leases to total assets | 47.6524% | 5,997 |
| Net loans and leases to deposits | 55.3780% | 6,087 |
| Net loans and leases to core deposits | 58.6747% | 6,076 |
| Total domestic deposits to total assets | 86.0493% | 3,195 |
| Equity capital to assets | 13.7822% | 1,252 |
| Core capital (leverage) ratio | 13.7971% | 953 |
| Tier 1 risk-based capital ratio | 26.3994% | 801 |
| Total risk-based capital ratio | 27.6493% | 774 |
| Memoranda: | ||
| Average total assets | $85,166,500 | 5,348 |
| Average earning assets | $75,921,000 | 5,384 |
| Average equity | $11,787,750 | 4,623 |
| Average total loans | $42,842,000 | 5,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 4,842 |
| Cost of funding earning assets | 0.5187% | 6,783 |
| Net interest margin | 4.1123% | 2,363 |
| Noninterest income to average assets | 0.4772% | 4,049 |
| Noninterest expense to average assets | 2.8963% | 4,036 |
| Loan and lease loss provision to assets | 0.0850% | 5,244 |
| Net operating income to assets | 0.9875% | 2,276 |
| Return on assets (ROA) | 0.9875% | 2,376 |
| Pretax return on assets | 1.1670% | 2,611 |
| Return on Equity (ROE) | 7.1242% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.3517% | 2,775 |
| Net charge-offs to loans | 0.0371% | 5,332 |
| Credit loss provision to net charge-offs | 450.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 66.2500% | 496 |
| Efficiency ratio | 69.8178% | 4,150 |
| Assets per employee ($millions) | 3.8207% | 4,149 |
| Cash dividends to net income (ytd only)* | 24.8804% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 5,014 |
| Loan loss allowance to noncurrent loans | 101.0909% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 4,829 |
| Noncurrent loans to loans | 1.2962% | 4,484 |
| Net loans and leases to total assets | 49.8186% | 5,843 |
| Net loans and leases to deposits | 58.2430% | 5,911 |
| Net loans and leases to core deposits | 61.8474% | 5,910 |
| Total domestic deposits to total assets | 85.5357% | 3,603 |
| Equity capital to assets | 14.1800% | 1,037 |
| Core capital (leverage) ratio | 13.9192% | 886 |
| Tier 1 risk-based capital ratio | 26.2012% | 798 |
| Total risk-based capital ratio | 27.4351% | 778 |
| Memoranda: | ||
| Average total assets | $84,660,670 | 5,406 |
| Average earning assets | $75,579,000 | 5,448 |
| Average equity | $11,734,670 | 4,630 |
| Average total loans | $43,162,670 | 5,656 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 4,569 |
| Cost of funding earning assets | 0.5316% | 6,858 |
| Net interest margin | 4.1580% | 2,049 |
| Noninterest income to average assets | 0.3437% | 5,168 |
| Noninterest expense to average assets | 3.0178% | 3,565 |
| Loan and lease loss provision to assets | 0.0565% | 5,295 |
| Net operating income to assets | 0.8474% | 2,789 |
| Return on assets (ROA) | 0.8474% | 2,848 |
| Pretax return on assets | 0.9887% | 3,166 |
| Return on Equity (ROE) | 6.1842% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.4320% | 3,517 |
| Net charge-offs to loans | 0.2297% | 3,164 |
| Credit loss provision to net charge-offs | 48.0000% | 3,799 |
| Earnings coverage of net charge-offs (x) | 8.8800% | 1,779 |
| Efficiency ratio | 74.2758% | 3,468 |
| Assets per employee ($millions) | 3.8311% | 4,233 |
| Cash dividends to net income (ytd only)* | 28.3333% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,644 |
| Loan loss allowance to noncurrent loans | 88.3362% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 4,807 |
| Noncurrent loans to loans | 1.3564% | 4,448 |
| Net loans and leases to total assets | 50.3832% | 5,798 |
| Net loans and leases to deposits | 58.6793% | 5,863 |
| Net loans and leases to core deposits | 63.0166% | 5,824 |
| Total domestic deposits to total assets | 85.8621% | 3,604 |
| Equity capital to assets | 13.9101% | 1,026 |
| Core capital (leverage) ratio | 13.6025% | 939 |
| Tier 1 risk-based capital ratio | 25.4445% | 833 |
| Total risk-based capital ratio | 26.5721% | 828 |
| Memoranda: | ||
| Average total assets | $84,963,500 | 5,445 |
| Average earning assets | $75,998,000 | 5,473 |
| Average equity | $11,642,500 | 4,635 |
| Average total loans | $43,528,500 | 5,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 5,725 |
| Cost of funding earning assets | 0.8027% | 6,555 |
| Net interest margin | 3.9184% | 3,405 |
| Noninterest income to average assets | 0.3719% | 5,122 |
| Noninterest expense to average assets | 3.1039% | 3,441 |
| Loan and lease loss provision to assets | 0.1072% | 6,074 |
| Net operating income to assets | 0.5716% | 3,797 |
| Return on assets (ROA) | 0.6791% | 3,439 |
| Pretax return on assets | 0.8824% | 3,368 |
| Return on Equity (ROE) | 5.3191% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.5169% | 3,397 |
| Net charge-offs to loans | 0.0092% | 6,745 |
| Credit loss provision to net charge-offs | 2,400.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 190.2500% | 136 |
| Efficiency ratio | 78.5028% | 2,615 |
| Assets per employee ($millions) | 3.7236% | 4,412 |
| Cash dividends to net income (ytd only)* | 33.8816% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,521 |
| Loan loss allowance to noncurrent loans | 42.4779% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 3,870 |
| Noncurrent loans to loans | 2.8201% | 2,701 |
| Net loans and leases to total assets | 50.8495% | 6,062 |
| Net loans and leases to deposits | 58.9025% | 6,164 |
| Net loans and leases to core deposits | 62.9739% | 6,155 |
| Total domestic deposits to total assets | 86.3281% | 3,184 |
| Equity capital to assets | 13.4991% | 1,181 |
| Core capital (leverage) ratio | 12.7959% | 1,196 |
| Tier 1 risk-based capital ratio | 24.5440% | 885 |
| Total risk-based capital ratio | 25.6717% | 882 |
| Memoranda: | ||
| Average total assets | $89,533,400 | 5,306 |
| Average earning assets | $81,845,600 | 5,282 |
| Average equity | $11,430,400 | 4,754 |
| Average total loans | $43,638,800 | 5,760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 6,142 |
| Cost of funding earning assets | 0.8552% | 6,564 |
| Net interest margin | 3.8089% | 3,938 |
| Noninterest income to average assets | 0.3919% | 5,025 |
| Noninterest expense to average assets | 2.8977% | 4,098 |
| Loan and lease loss provision to assets | 0.1061% | 5,976 |
| Net operating income to assets | 0.7418% | 3,234 |
| Return on assets (ROA) | 0.7999% | 3,154 |
| Pretax return on assets | 0.9546% | 3,348 |
| Return on Equity (ROE) | 6.3520% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.6206% | 3,248 |
| Net charge-offs to loans | 0.0459% | 6,074 |
| Credit loss provision to net charge-offs | 480.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 44.8655% | 623 |
| Efficiency ratio | 74.5076% | 3,227 |
| Assets per employee ($millions) | 4.0300% | 3,769 |
| Cash dividends to net income (ytd only)* | 27.2563% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,860 |
| Loan loss allowance to noncurrent loans | 61.0422% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 5,039 |
| Noncurrent loans to loans | 1.8334% | 3,890 |
| Net loans and leases to total assets | 46.8988% | 6,626 |
| Net loans and leases to deposits | 53.8088% | 6,779 |
| Net loans and leases to core deposits | 59.1743% | 6,662 |
| Total domestic deposits to total assets | 87.1581% | 2,439 |
| Equity capital to assets | 12.6056% | 1,807 |
| Core capital (leverage) ratio | 12.4056% | 1,459 |
| Tier 1 risk-based capital ratio | 23.5440% | 998 |
| Total risk-based capital ratio | 24.5526% | 1,001 |
| Memoranda: | ||
| Average total assets | $90,506,000 | 5,340 |
| Average earning assets | $83,101,000 | 5,303 |
| Average equity | $11,397,750 | 4,841 |
| Average total loans | $43,529,250 | 5,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 6,005 |
| Cost of funding earning assets | 0.9250% | 6,482 |
| Net interest margin | 3.8164% | 3,826 |
| Noninterest income to average assets | 0.3386% | 5,439 |
| Noninterest expense to average assets | 2.8537% | 4,251 |
| Loan and lease loss provision to assets | 0.1069% | 5,846 |
| Net operating income to assets | 0.7530% | 3,184 |
| Return on assets (ROA) | 0.7530% | 3,340 |
| Pretax return on assets | 0.8799% | 3,581 |
| Return on Equity (ROE) | 5.9811% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.2646% | 3,363 |
| Net charge-offs to loans | 0.0138% | 6,151 |
| Credit loss provision to net charge-offs | 1,600.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 147.6667% | 232 |
| Efficiency ratio | 74.3039% | 3,414 |
| Assets per employee ($millions) | 3.9611% | 3,841 |
| Cash dividends to net income (ytd only)* | 28.6982% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,927 |
| Loan loss allowance to noncurrent loans | 67.6512% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 5,242 |
| Noncurrent loans to loans | 1.6299% | 4,267 |
| Net loans and leases to total assets | 47.3520% | 6,678 |
| Net loans and leases to deposits | 54.3414% | 6,843 |
| Net loans and leases to core deposits | 60.1003% | 6,708 |
| Total domestic deposits to total assets | 87.1379% | 2,462 |
| Equity capital to assets | 12.5910% | 1,749 |
| Core capital (leverage) ratio | 12.4853% | 1,413 |
| Tier 1 risk-based capital ratio | 23.0718% | 1,063 |
| Total risk-based capital ratio | 24.0511% | 1,071 |
| Memoranda: | ||
| Average total assets | $89,778,330 | 5,401 |
| Average earning assets | $82,381,000 | 5,360 |
| Average equity | $11,302,330 | 4,850 |
| Average total loans | $43,385,000 | 5,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 5,960 |
| Cost of funding earning assets | 0.9816% | 6,454 |
| Net interest margin | 3.8000% | 3,798 |
| Noninterest income to average assets | 0.2738% | 5,964 |
| Noninterest expense to average assets | 3.1330% | 3,124 |
| Loan and lease loss provision to assets | 0.1077% | 5,549 |
| Net operating income to assets | 0.4489% | 4,619 |
| Return on assets (ROA) | 0.4489% | 4,746 |
| Pretax return on assets | 0.5431% | 4,808 |
| Return on Equity (ROE) | 3.5657% | 5,085 |
| Retained earnings to average equity (ytd only) | 1.8185% | 5,026 |
| Net charge-offs to loans | 0.0277% | 5,180 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 591 |
| Efficiency ratio | 82.7995% | 2,165 |
| Assets per employee ($millions) | 4.0643% | 3,721 |
| Cash dividends to net income (ytd only)* | 49.0000% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 6,216 |
| Loan loss allowance to noncurrent loans | 71.5180% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 5,245 |
| Noncurrent loans to loans | 1.4709% | 4,534 |
| Net loans and leases to total assets | 48.0752% | 6,668 |
| Net loans and leases to deposits | 55.1350% | 6,836 |
| Net loans and leases to core deposits | 60.6513% | 6,699 |
| Total domestic deposits to total assets | 87.1955% | 2,530 |
| Equity capital to assets | 12.5428% | 1,732 |
| Core capital (leverage) ratio | 12.4903% | 1,409 |
| Tier 1 risk-based capital ratio | 22.4563% | 1,151 |
| Total risk-based capital ratio | 23.3774% | 1,166 |
| Memoranda: | ||
| Average total assets | $89,115,000 | 5,479 |
| Average earning assets | $82,316,500 | 5,426 |
| Average equity | $11,218,000 | 4,921 |
| Average total loans | $43,267,000 | 5,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 6,526 |
| Cost of funding earning assets | 1.5500% | 5,280 |
| Net interest margin | 3.4203% | 5,289 |
| Noninterest income to average assets | 0.6394% | 3,357 |
| Noninterest expense to average assets | 2.8480% | 4,756 |
| Loan and lease loss provision to assets | 0.0740% | 6,844 |
| Net operating income to assets | 0.8246% | 2,433 |
| Return on assets (ROA) | 0.6221% | 3,309 |
| Pretax return on assets | 0.7100% | 3,535 |
| Return on Equity (ROE) | 4.9456% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.0519% | 3,024 |
| Net charge-offs to loans | -0.0112% | 7,755 |
| Credit loss provision to net charge-offs | -1,280.0000% | 7,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7425% | 3,951 |
| Assets per employee ($millions) | 4.0371% | 3,742 |
| Cash dividends to net income (ytd only)* | 38.2900% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,311 |
| Loan loss allowance to noncurrent loans | 71.7105% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 5,245 |
| Noncurrent loans to loans | 1.4110% | 4,564 |
| Net loans and leases to total assets | 48.0263% | 6,812 |
| Net loans and leases to deposits | 55.1469% | 6,976 |
| Net loans and leases to core deposits | 67.6462% | 6,901 |
| Total domestic deposits to total assets | 87.0879% | 2,452 |
| Equity capital to assets | 12.6340% | 1,679 |
| Core capital (leverage) ratio | 11.8735% | 1,723 |
| Tier 1 risk-based capital ratio | 22.1326% | 1,135 |
| Total risk-based capital ratio | 23.0028% | 1,160 |
| Memoranda: | ||
| Average total assets | $86,482,000 | 5,506 |
| Average earning assets | $81,483,400 | 5,411 |
| Average equity | $10,878,400 | 5,053 |
| Average total loans | $44,676,400 | 5,894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 6,655 |
| Cost of funding earning assets | 1.6627% | 5,097 |
| Net interest margin | 3.3189% | 5,570 |
| Noninterest income to average assets | 0.6876% | 3,110 |
| Noninterest expense to average assets | 2.6899% | 5,371 |
| Loan and lease loss provision to assets | 0.0621% | 6,743 |
| Net operating income to assets | 0.9719% | 2,155 |
| Return on assets (ROA) | 0.9748% | 2,200 |
| Pretax return on assets | 1.0710% | 2,668 |
| Return on Equity (ROE) | 7.7581% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.9297% | 1,987 |
| Net charge-offs to loans | 0.0059% | 6,880 |
| Credit loss provision to net charge-offs | 2,000.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 363.5356% | 104 |
| Efficiency ratio | 70.4185% | 4,508 |
| Assets per employee ($millions) | 4.1814% | 3,409 |
| Cash dividends to net income (ytd only)* | 23.5671% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,837 |
| Loan loss allowance to noncurrent loans | 32.5825% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5404% | 4,058 |
| Noncurrent loans to loans | 2.7080% | 2,797 |
| Net loans and leases to total assets | 49.4570% | 6,825 |
| Net loans and leases to deposits | 56.3858% | 7,065 |
| Net loans and leases to core deposits | 68.4675% | 7,053 |
| Total domestic deposits to total assets | 87.7118% | 1,797 |
| Equity capital to assets | 12.1381% | 2,165 |
| Core capital (leverage) ratio | 12.5103% | 1,578 |
| Tier 1 risk-based capital ratio | 21.0067% | 1,365 |
| Total risk-based capital ratio | 21.7637% | 1,411 |
| Memoranda: | ||
| Average total assets | $85,898,500 | 5,559 |
| Average earning assets | $81,069,750 | 5,451 |
| Average equity | $10,792,750 | 5,116 |
| Average total loans | $45,072,750 | 5,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 6,589 |
| Cost of funding earning assets | 1.7537% | 4,986 |
| Net interest margin | 3.3043% | 5,538 |
| Noninterest income to average assets | 0.6367% | 3,432 |
| Noninterest expense to average assets | 2.7281% | 5,264 |
| Loan and lease loss provision to assets | 0.0668% | 6,540 |
| Net operating income to assets | 0.8471% | 2,667 |
| Return on assets (ROA) | 0.8513% | 2,747 |
| Pretax return on assets | 0.9515% | 3,173 |
| Return on Equity (ROE) | 6.6927% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.8367% | 2,604 |
| Net charge-offs to loans | 0.0089% | 6,442 |
| Credit loss provision to net charge-offs | 1,400.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 199 |
| Efficiency ratio | 72.9127% | 4,229 |
| Assets per employee ($millions) | 3.9815% | 3,712 |
| Cash dividends to net income (ytd only)* | 27.7311% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 6,897 |
| Loan loss allowance to noncurrent loans | 141.8773% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 6,146 |
| Noncurrent loans to loans | 0.6144% | 6,024 |
| Net loans and leases to total assets | 51.0206% | 6,783 |
| Net loans and leases to deposits | 58.2665% | 7,007 |
| Net loans and leases to core deposits | 71.1606% | 6,958 |
| Total domestic deposits to total assets | 87.5642% | 1,989 |
| Equity capital to assets | 12.2417% | 2,062 |
| Core capital (leverage) ratio | 12.9923% | 1,433 |
| Tier 1 risk-based capital ratio | 21.1354% | 1,372 |
| Total risk-based capital ratio | 21.8894% | 1,417 |
| Memoranda: | ||
| Average total assets | $83,867,670 | 5,660 |
| Average earning assets | $78,805,670 | 5,571 |
| Average equity | $10,668,330 | 5,170 |
| Average total loans | $44,796,670 | 5,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 6,374 |
| Cost of funding earning assets | 1.7858% | 5,181 |
| Net interest margin | 3.3946% | 5,162 |
| Noninterest income to average assets | 0.8195% | 2,237 |
| Noninterest expense to average assets | 2.6389% | 5,278 |
| Loan and lease loss provision to assets | 0.0780% | 5,975 |
| Net operating income to assets | 1.1804% | 1,714 |
| Return on assets (ROA) | 1.1804% | 1,820 |
| Pretax return on assets | 1.2829% | 2,338 |
| Return on Equity (ROE) | 9.0969% | 2,668 |
| Retained earnings to average equity (ytd only) | 7.2550% | 2,111 |
| Net charge-offs to loans | 0.0717% | 4,475 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 34.8750% | 948 |
| Efficiency ratio | 65.9756% | 5,338 |
| Assets per employee ($millions) | 3.9645% | 3,739 |
| Cash dividends to net income (ytd only)* | 20.2479% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 7,009 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 5,865 |
| Noncurrent loans to loans | 0.6159% | 5,859 |
| Net loans and leases to total assets | 53.1776% | 6,563 |
| Net loans and leases to deposits | 61.1337% | 6,802 |
| Net loans and leases to core deposits | 72.9374% | 6,869 |
| Total domestic deposits to total assets | 86.9858% | 2,225 |
| Equity capital to assets | 12.8209% | 1,826 |
| Core capital (leverage) ratio | 13.4089% | 1,355 |
| Tier 1 risk-based capital ratio | 23.9960% | 1,083 |
| Total risk-based capital ratio | 24.8176% | 1,108 |
| Memoranda: | ||
| Average total assets | $82,004,500 | 5,750 |
| Average earning assets | $76,828,000 | 5,663 |
| Average equity | $10,641,000 | 5,204 |
| Average total loans | $44,653,000 | 6,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 7,400 |
| Cost of funding earning assets | 2.1613% | 5,774 |
| Net interest margin | 3.2845% | 6,090 |
| Noninterest income to average assets | 0.5214% | 4,456 |
| Noninterest expense to average assets | 2.7639% | 4,993 |
| Loan and lease loss provision to assets | 0.0755% | 6,457 |
| Net operating income to assets | 0.6318% | 4,182 |
| Return on assets (ROA) | 0.1730% | 5,762 |
| Pretax return on assets | 0.2144% | 5,699 |
| Return on Equity (ROE) | 1.3300% | 5,821 |
| Retained earnings to average equity (ytd only) | -0.5901% | 5,467 |
| Net charge-offs to loans | -0.0586% | 8,042 |
| Credit loss provision to net charge-offs | -248.0000% | 7,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3459% | 3,177 |
| Assets per employee ($millions) | 3.6706% | 4,239 |
| Cash dividends to net income (ytd only)* | 144.3662% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 7,022 |
| Loan loss allowance to noncurrent loans | 132.9710% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 5,596 |
| Noncurrent loans to loans | 0.6180% | 5,513 |
| Net loans and leases to total assets | 54.8468% | 6,564 |
| Net loans and leases to deposits | 63.2801% | 6,858 |
| Net loans and leases to core deposits | 75.7021% | 6,874 |
| Total domestic deposits to total assets | 86.6731% | 2,106 |
| Equity capital to assets | 13.1362% | 1,736 |
| Core capital (leverage) ratio | 13.2742% | 1,448 |
| Tier 1 risk-based capital ratio | 23.7721% | 1,114 |
| Total risk-based capital ratio | 24.5830% | 1,135 |
| Memoranda: | ||
| Average total assets | $82,094,200 | 5,628 |
| Average earning assets | $77,453,800 | 5,526 |
| Average equity | $10,677,000 | 5,219 |
| Average total loans | $42,648,400 | 6,041 |