Home > The First National Bank of Ogden > Performance and Condition Ratios
The First National Bank of Ogden, Performance and Condition Ratios
| 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 | 3.2962% | 5,851 |
| Cost of funding earning assets | 0.2179% | 5,862 |
| Net interest margin | 3.0783% | 5,313 |
| Noninterest income to average assets | 0.2949% | 5,009 |
| Noninterest expense to average assets | 2.2792% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7086% | 3,643 |
| Return on assets (ROA) | 0.7086% | 3,724 |
| Pretax return on assets | 0.9921% | 3,354 |
| Return on Equity (ROE) | 8.1498% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.1498% | 1,549 |
| Net charge-offs to loans | 0.0568% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 28.7778% | 1,077 |
| Efficiency ratio | 69.6721% | 3,884 |
| Assets per employee ($millions) | 4.5980% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 4,420 |
| Loan loss allowance to noncurrent loans | 170.5263% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,786 |
| Noncurrent loans to loans | 0.7290% | 4,038 |
| Net loans and leases to total assets | 60.8435% | 3,425 |
| Net loans and leases to deposits | 67.3269% | 3,931 |
| Net loans and leases to core deposits | 69.2269% | 4,180 |
| Total domestic deposits to total assets | 90.3702% | 879 |
| Equity capital to assets | 8.6615% | 5,484 |
| Core capital (leverage) ratio | 8.6251% | 5,497 |
| Tier 1 risk-based capital ratio | 14.6491% | 3,921 |
| Total risk-based capital ratio | 14.9662% | 4,488 |
| Memoranda: | ||
| Average total assets | $104,424,500 | 4,620 |
| Average earning assets | $100,964,000 | 4,485 |
| Average equity | $9,080,000 | 5,027 |
| Average total loans | $63,402,500 | 4,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 6,053 |
| Cost of funding earning assets | 0.2519% | 5,950 |
| Net interest margin | 3.0150% | 5,547 |
| Noninterest income to average assets | 0.3587% | 4,735 |
| Noninterest expense to average assets | 2.1427% | 5,743 |
| Loan and lease loss provision to assets | 1.0838% | 159 |
| Net operating income to assets | 0.0518% | 6,125 |
| Return on assets (ROA) | 0.0518% | 6,174 |
| Pretax return on assets | 0.0364% | 6,175 |
| Return on Equity (ROE) | 0.6793% | 6,135 |
| Retained earnings to average equity (ytd only) | -1.8366% | 6,157 |
| Net charge-offs to loans | 1.4944% | 319 |
| Credit loss provision to net charge-offs | 126.2570% | 1,872 |
| Earnings coverage of net charge-offs (x) | 1.3050% | 4,630 |
| Efficiency ratio | 65.6673% | 4,623 |
| Assets per employee ($millions) | 4.2956% | 3,280 |
| Cash dividends to net income (ytd only)* | 370.3704% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,989 |
| Loan loss allowance to noncurrent loans | 164.4578% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 4,790 |
| Noncurrent loans to loans | 0.8078% | 3,955 |
| Net loans and leases to total assets | 59.0054% | 3,871 |
| Net loans and leases to deposits | 65.3612% | 4,373 |
| Net loans and leases to core deposits | 67.7013% | 4,548 |
| Total domestic deposits to total assets | 90.2759% | 927 |
| Equity capital to assets | 8.7299% | 5,331 |
| Core capital (leverage) ratio | 8.4488% | 5,726 |
| Tier 1 risk-based capital ratio | 14.8371% | 3,760 |
| Total risk-based capital ratio | 15.1287% | 4,320 |
| Memoranda: | ||
| Average total assets | $104,260,400 | 4,634 |
| Average earning assets | $100,432,200 | 4,503 |
| Average equity | $7,949,600 | 5,351 |
| Average total loans | $59,891,400 | 4,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2182% | 6,172 |
| Cost of funding earning assets | 0.2569% | 6,036 |
| Net interest margin | 2.9613% | 5,680 |
| Noninterest income to average assets | 0.3392% | 4,977 |
| Noninterest expense to average assets | 2.1297% | 5,768 |
| Loan and lease loss provision to assets | 1.6259% | 69 |
| Net operating income to assets | -0.4183% | 6,572 |
| Return on assets (ROA) | -0.4183% | 6,580 |
| Pretax return on assets | -0.5649% | 6,622 |
| Return on Equity (ROE) | -5.6891% | 6,612 |
| Retained earnings to average equity (ytd only) | -9.1581% | 6,623 |
| Net charge-offs to loans | 1.9982% | 190 |
| Credit loss provision to net charge-offs | 143.0976% | 1,644 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 4,540 |
| Efficiency ratio | 66.7466% | 4,349 |
| Assets per employee ($millions) | 4.0889% | 3,658 |
| Cash dividends to net income (ytd only)* | -60.9759% | 6,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,164 |
| Loan loss allowance to noncurrent loans | 186.5125% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 4,974 |
| Noncurrent loans to loans | 0.8390% | 4,156 |
| Net loans and leases to total assets | 57.2767% | 4,124 |
| Net loans and leases to deposits | 62.9388% | 4,638 |
| Net loans and leases to core deposits | 64.6700% | 4,828 |
| Total domestic deposits to total assets | 91.0038% | 532 |
| Equity capital to assets | 8.0508% | 6,118 |
| Core capital (leverage) ratio | 8.1966% | 6,065 |
| Tier 1 risk-based capital ratio | 14.7064% | 3,945 |
| Total risk-based capital ratio | 14.9928% | 4,561 |
| Memoranda: | ||
| Average total assets | $104,552,000 | 4,680 |
| Average earning assets | $100,675,000 | 4,537 |
| Average equity | $7,687,000 | 5,476 |
| Average total loans | $59,451,750 | 4,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 6,249 |
| Cost of funding earning assets | 0.2636% | 6,087 |
| Net interest margin | 2.9200% | 5,752 |
| Noninterest income to average assets | 0.3290% | 5,065 |
| Noninterest expense to average assets | 2.1738% | 5,693 |
| Loan and lease loss provision to assets | 2.1603% | 45 |
| Net operating income to assets | -0.9080% | 6,729 |
| Return on assets (ROA) | -0.9080% | 6,736 |
| Pretax return on assets | -1.1927% | 6,767 |
| Return on Equity (ROE) | -12.7631% | 6,777 |
| Retained earnings to average equity (ytd only) | -18.1712% | 6,787 |
| Net charge-offs to loans | 2.5371% | 145 |
| Credit loss provision to net charge-offs | 150.9409% | 1,528 |
| Earnings coverage of net charge-offs (x) | 0.6761% | 4,296 |
| Efficiency ratio | 69.1978% | 3,978 |
| Assets per employee ($millions) | 4.0360% | 3,720 |
| Cash dividends to net income (ytd only)* | -42.3729% | 6,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 2,858 |
| Loan loss allowance to noncurrent loans | 178.0037% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 4,982 |
| Noncurrent loans to loans | 0.9436% | 4,039 |
| Net loans and leases to total assets | 53.7204% | 4,630 |
| Net loans and leases to deposits | 58.2831% | 5,137 |
| Net loans and leases to core deposits | 60.2709% | 5,243 |
| Total domestic deposits to total assets | 92.1714% | 224 |
| Equity capital to assets | 6.8737% | 6,626 |
| Core capital (leverage) ratio | 6.9928% | 6,615 |
| Tier 1 risk-based capital ratio | 13.3933% | 4,842 |
| Total risk-based capital ratio | 13.6545% | 5,514 |
| Memoranda: | ||
| Average total assets | $103,965,330 | 4,728 |
| Average earning assets | $100,136,670 | 4,583 |
| Average equity | $7,396,330 | 5,587 |
| Average total loans | $58,649,000 | 4,719 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2245% | 6,272 |
| Cost of funding earning assets | 0.2734% | 6,143 |
| Net interest margin | 2.9511% | 5,703 |
| Noninterest income to average assets | 0.3440% | 4,939 |
| Noninterest expense to average assets | 2.1531% | 5,795 |
| Loan and lease loss provision to assets | 0.0580% | 3,661 |
| Net operating income to assets | 0.6803% | 3,780 |
| Return on assets (ROA) | 0.6803% | 3,934 |
| Pretax return on assets | 0.9702% | 3,483 |
| Return on Equity (ROE) | 9.4017% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.0598% | 3,794 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6792% | 4,377 |
| Assets per employee ($millions) | 4.2356% | 3,468 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,828 |
| Loan loss allowance to noncurrent loans | 44.9700% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 3,469 |
| Noncurrent loans to loans | 2.3156% | 2,260 |
| Net loans and leases to total assets | 53.7572% | 4,455 |
| Net loans and leases to deposits | 58.5331% | 4,970 |
| Net loans and leases to core deposits | 60.2434% | 5,117 |
| Total domestic deposits to total assets | 91.8407% | 275 |
| Equity capital to assets | 7.1026% | 6,692 |
| Core capital (leverage) ratio | 7.0808% | 6,618 |
| Tier 1 risk-based capital ratio | 13.4918% | 4,879 |
| Total risk-based capital ratio | 13.6199% | 5,616 |
| Memoranda: | ||
| Average total assets | $103,480,000 | 4,780 |
| Average earning assets | $99,488,500 | 4,641 |
| Average equity | $7,488,000 | 5,623 |
| Average total loans | $59,306,000 | 4,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 5,884 |
| Cost of funding earning assets | 0.3699% | 6,107 |
| Net interest margin | 3.4078% | 4,855 |
| Noninterest income to average assets | 0.3722% | 4,814 |
| Noninterest expense to average assets | 2.1822% | 5,956 |
| Loan and lease loss provision to assets | 0.0656% | 4,938 |
| Net operating income to assets | 0.9291% | 2,654 |
| Return on assets (ROA) | 0.9291% | 2,904 |
| Pretax return on assets | 1.3741% | 2,127 |
| Return on Equity (ROE) | 12.6166% | 1,328 |
| Retained earnings to average equity (ytd only) | 7.0464% | 1,548 |
| Net charge-offs to loans | 0.0457% | 5,273 |
| Credit loss provision to net charge-offs | 246.1538% | 1,001 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 644 |
| Efficiency ratio | 60.2492% | 5,504 |
| Assets per employee ($millions) | 4.0428% | 3,860 |
| Cash dividends to net income (ytd only)* | 44.1501% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 6,110 |
| Loan loss allowance to noncurrent loans | 53.7259% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 3,878 |
| Noncurrent loans to loans | 1.7794% | 2,948 |
| Net loans and leases to total assets | 59.8650% | 3,627 |
| Net loans and leases to deposits | 65.4504% | 4,367 |
| Net loans and leases to core deposits | 67.8011% | 4,562 |
| Total domestic deposits to total assets | 91.4662% | 346 |
| Equity capital to assets | 7.3761% | 6,678 |
| Core capital (leverage) ratio | 7.3239% | 6,578 |
| Tier 1 risk-based capital ratio | 11.9690% | 5,811 |
| Total risk-based capital ratio | 12.0595% | 6,398 |
| Memoranda: | ||
| Average total assets | $97,517,000 | 4,902 |
| Average earning assets | $92,991,800 | 4,776 |
| Average equity | $7,181,000 | 5,711 |
| Average total loans | $56,949,800 | 4,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 6,131 |
| Cost of funding earning assets | 0.3830% | 6,206 |
| Net interest margin | 3.3670% | 5,153 |
| Noninterest income to average assets | 0.3463% | 5,044 |
| Noninterest expense to average assets | 2.2022% | 5,945 |
| Loan and lease loss provision to assets | 0.0676% | 4,839 |
| Net operating income to assets | 0.8776% | 3,093 |
| Return on assets (ROA) | 0.8776% | 3,334 |
| Pretax return on assets | 1.2791% | 2,672 |
| Return on Equity (ROE) | 11.9224% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.2986% | 2,487 |
| Net charge-offs to loans | 0.0572% | 4,856 |
| Credit loss provision to net charge-offs | 204.1667% | 1,355 |
| Earnings coverage of net charge-offs (x) | 40.6656% | 875 |
| Efficiency ratio | 62.0529% | 5,140 |
| Assets per employee ($millions) | 4.1165% | 3,653 |
| Cash dividends to net income (ytd only)* | 47.1697% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,324 |
| Loan loss allowance to noncurrent loans | 54.9038% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 4,088 |
| Noncurrent loans to loans | 1.6738% | 3,277 |
| Net loans and leases to total assets | 62.3122% | 3,334 |
| Net loans and leases to deposits | 68.1727% | 4,158 |
| Net loans and leases to core deposits | 71.2383% | 4,347 |
| Total domestic deposits to total assets | 91.4035% | 309 |
| Equity capital to assets | 7.3809% | 6,796 |
| Core capital (leverage) ratio | 7.3891% | 6,677 |
| Tier 1 risk-based capital ratio | 11.4901% | 6,230 |
| Total risk-based capital ratio | 11.5727% | 6,693 |
| Memoranda: | ||
| Average total assets | $96,629,000 | 4,972 |
| Average earning assets | $91,910,500 | 4,852 |
| Average equity | $7,112,500 | 5,796 |
| Average total loans | $55,915,000 | 4,921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 6,420 |
| Cost of funding earning assets | 0.4041% | 6,241 |
| Net interest margin | 3.2435% | 5,612 |
| Noninterest income to average assets | 0.3274% | 5,209 |
| Noninterest expense to average assets | 2.2459% | 5,887 |
| Loan and lease loss provision to assets | 0.0438% | 5,132 |
| Net operating income to assets | 0.7904% | 3,428 |
| Return on assets (ROA) | 0.7904% | 3,684 |
| Pretax return on assets | 1.1178% | 3,239 |
| Return on Equity (ROE) | 10.7477% | 2,079 |
| Retained earnings to average equity (ytd only) | 5.0761% | 3,240 |
| Net charge-offs to loans | 0.0780% | 4,367 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 26.5238% | 1,162 |
| Efficiency ratio | 65.9119% | 4,549 |
| Assets per employee ($millions) | 4.0806% | 3,697 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 6,228 |
| Loan loss allowance to noncurrent loans | 41.5525% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 3,632 |
| Noncurrent loans to loans | 2.3608% | 2,545 |
| Net loans and leases to total assets | 56.2751% | 4,421 |
| Net loans and leases to deposits | 61.4497% | 5,076 |
| Net loans and leases to core deposits | 64.1535% | 5,197 |
| Total domestic deposits to total assets | 91.5791% | 298 |
| Equity capital to assets | 7.2865% | 6,849 |
| Core capital (leverage) ratio | 7.3123% | 6,715 |
| Tier 1 risk-based capital ratio | 12.5972% | 5,498 |
| Total risk-based capital ratio | 12.6560% | 6,249 |
| Memoranda: | ||
| Average total assets | $95,906,670 | 5,009 |
| Average earning assets | $91,073,670 | 4,895 |
| Average equity | $7,052,670 | 5,834 |
| Average total loans | $53,842,330 | 5,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 6,490 |
| Cost of funding earning assets | 0.4327% | 6,240 |
| Net interest margin | 3.2339% | 5,686 |
| Noninterest income to average assets | 0.3583% | 5,006 |
| Noninterest expense to average assets | 2.2763% | 5,835 |
| Loan and lease loss provision to assets | 0.0379% | 4,912 |
| Net operating income to assets | 0.8051% | 3,356 |
| Return on assets (ROA) | 0.8051% | 3,596 |
| Pretax return on assets | 1.1002% | 3,322 |
| Return on Equity (ROE) | 10.8972% | 2,059 |
| Retained earnings to average equity (ytd only) | 5.1918% | 3,446 |
| Net charge-offs to loans | 0.1662% | 3,091 |
| Credit loss provision to net charge-offs | 40.9091% | 3,438 |
| Earnings coverage of net charge-offs (x) | 12.2727% | 1,613 |
| Efficiency ratio | 66.6667% | 4,432 |
| Assets per employee ($millions) | 4.0614% | 3,885 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,176 |
| Loan loss allowance to noncurrent loans | 30.8449% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 2.0498% | 2,825 |
| Noncurrent loans to loans | 3.3067% | 1,926 |
| Net loans and leases to total assets | 53.0644% | 4,874 |
| Net loans and leases to deposits | 57.9210% | 5,383 |
| Net loans and leases to core deposits | 60.2149% | 5,509 |
| Total domestic deposits to total assets | 91.6152% | 342 |
| Equity capital to assets | 7.2337% | 6,873 |
| Core capital (leverage) ratio | 7.1703% | 6,773 |
| Tier 1 risk-based capital ratio | 13.2308% | 5,049 |
| Total risk-based capital ratio | 13.2763% | 5,934 |
| Memoranda: | ||
| Average total assets | $94,892,500 | 5,072 |
| Average earning assets | $89,675,000 | 4,977 |
| Average equity | $7,011,000 | 5,871 |
| Average total loans | $52,934,000 | 5,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 6,559 |
| Cost of funding earning assets | 0.5887% | 6,142 |
| Net interest margin | 3.3504% | 5,650 |
| Noninterest income to average assets | 0.4353% | 4,330 |
| Noninterest expense to average assets | 2.3636% | 5,869 |
| Loan and lease loss provision to assets | 0.0367% | 6,106 |
| Net operating income to assets | 0.8350% | 2,895 |
| Return on assets (ROA) | 0.8350% | 3,055 |
| Pretax return on assets | 1.2196% | 2,391 |
| Return on Equity (ROE) | 11.4424% | 1,574 |
| Retained earnings to average equity (ytd only) | 5.2993% | 2,450 |
| Net charge-offs to loans | 0.0094% | 6,297 |
| Credit loss provision to net charge-offs | 680.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 232.6000% | 144 |
| Efficiency ratio | 65.2939% | 4,905 |
| Assets per employee ($millions) | 3.6924% | 4,562 |
| Cash dividends to net income (ytd only)* | 53.6869% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,127 |
| Loan loss allowance to noncurrent loans | 30.6054% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.2251% | 2,706 |
| Noncurrent loans to loans | 3.3277% | 1,948 |
| Net loans and leases to total assets | 57.4850% | 4,466 |
| Net loans and leases to deposits | 63.0241% | 5,117 |
| Net loans and leases to core deposits | 65.7958% | 5,271 |
| Total domestic deposits to total assets | 91.2112% | 422 |
| Equity capital to assets | 7.5516% | 6,789 |
| Core capital (leverage) ratio | 7.2956% | 6,749 |
| Tier 1 risk-based capital ratio | 12.6632% | 5,330 |
| Total risk-based capital ratio | 12.7899% | 6,125 |
| Memoranda: | ||
| Average total assets | $92,571,600 | 5,110 |
| Average earning assets | $87,989,400 | 4,990 |
| Average equity | $6,755,600 | 5,939 |
| Average total loans | $53,008,200 | 5,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 6,727 |
| Cost of funding earning assets | 0.6164% | 6,206 |
| Net interest margin | 3.2861% | 5,898 |
| Noninterest income to average assets | 0.4289% | 4,446 |
| Noninterest expense to average assets | 2.3475% | 5,907 |
| Loan and lease loss provision to assets | 0.0389% | 5,954 |
| Net operating income to assets | 0.8074% | 3,123 |
| Return on assets (ROA) | 0.8074% | 3,287 |
| Pretax return on assets | 1.1730% | 2,729 |
| Return on Equity (ROE) | 11.1610% | 1,801 |
| Retained earnings to average equity (ytd only) | 4.8941% | 3,246 |
| Net charge-offs to loans | 0.0051% | 6,115 |
| Credit loss provision to net charge-offs | 1,350.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 420.4644% | 88 |
| Efficiency ratio | 65.9523% | 4,733 |
| Assets per employee ($millions) | 3.7259% | 4,476 |
| Cash dividends to net income (ytd only)* | 56.1499% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,332 |
| Loan loss allowance to noncurrent loans | 30.0944% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 2,863 |
| Noncurrent loans to loans | 3.2779% | 2,110 |
| Net loans and leases to total assets | 58.4038% | 4,437 |
| Net loans and leases to deposits | 63.9211% | 5,181 |
| Net loans and leases to core deposits | 67.0504% | 5,302 |
| Total domestic deposits to total assets | 91.3686% | 326 |
| Equity capital to assets | 7.3732% | 6,960 |
| Core capital (leverage) ratio | 7.2757% | 6,870 |
| Tier 1 risk-based capital ratio | 12.3184% | 5,648 |
| Total risk-based capital ratio | 12.4528% | 6,407 |
| Memoranda: | ||
| Average total assets | $92,636,750 | 5,147 |
| Average earning assets | $88,248,000 | 5,017 |
| Average equity | $6,701,750 | 5,998 |
| Average total loans | $52,857,500 | 5,205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 6,863 |
| Cost of funding earning assets | 0.6474% | 6,241 |
| Net interest margin | 3.2075% | 6,139 |
| Noninterest income to average assets | 0.3893% | 4,764 |
| Noninterest expense to average assets | 2.2689% | 6,200 |
| Loan and lease loss provision to assets | 0.0389% | 5,824 |
| Net operating income to assets | 0.7873% | 3,131 |
| Return on assets (ROA) | 0.7873% | 3,258 |
| Pretax return on assets | 1.1355% | 2,708 |
| Return on Equity (ROE) | 10.9534% | 1,812 |
| Retained earnings to average equity (ytd only) | 4.4837% | 3,342 |
| Net charge-offs to loans | 0.0077% | 5,753 |
| Credit loss provision to net charge-offs | 900.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 271.5000% | 126 |
| Efficiency ratio | 65.8920% | 4,893 |
| Assets per employee ($millions) | 3.8430% | 4,102 |
| Cash dividends to net income (ytd only)* | 59.0659% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 6,191 |
| Loan loss allowance to noncurrent loans | 30.2669% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 3,024 |
| Noncurrent loans to loans | 3.4321% | 2,064 |
| Net loans and leases to total assets | 52.8498% | 5,455 |
| Net loans and leases to deposits | 57.5940% | 5,978 |
| Net loans and leases to core deposits | 60.7259% | 6,031 |
| Total domestic deposits to total assets | 91.7628% | 288 |
| Equity capital to assets | 7.0455% | 7,090 |
| Core capital (leverage) ratio | 7.1051% | 6,953 |
| Tier 1 risk-based capital ratio | 13.0863% | 4,845 |
| Total risk-based capital ratio | 13.2232% | 5,782 |
| Memoranda: | ||
| Average total assets | $92,466,330 | 5,193 |
| Average earning assets | $88,043,670 | 5,060 |
| Average equity | $6,646,330 | 6,037 |
| Average total loans | $52,162,000 | 5,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 6,795 |
| Cost of funding earning assets | 0.6937% | 6,170 |
| Net interest margin | 3.2324% | 5,975 |
| Noninterest income to average assets | 0.3883% | 4,806 |
| Noninterest expense to average assets | 2.3560% | 6,033 |
| Loan and lease loss provision to assets | 0.0397% | 5,499 |
| Net operating income to assets | 0.7456% | 3,296 |
| Return on assets (ROA) | 0.7456% | 3,362 |
| Pretax return on assets | 1.0765% | 2,844 |
| Return on Equity (ROE) | 10.2658% | 2,006 |
| Retained earnings to average equity (ytd only) | 2.6727% | 4,561 |
| Net charge-offs to loans | 0.0076% | 5,005 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 122 |
| Efficiency ratio | 67.8526% | 4,683 |
| Assets per employee ($millions) | 3.7970% | 4,304 |
| Cash dividends to net income (ytd only)* | 73.9645% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 6,254 |
| Loan loss allowance to noncurrent loans | 31.0284% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 2.1248% | 3,159 |
| Noncurrent loans to loans | 3.3497% | 2,237 |
| Net loans and leases to total assets | 52.6595% | 5,503 |
| Net loans and leases to deposits | 57.3462% | 5,992 |
| Net loans and leases to core deposits | 59.9904% | 6,094 |
| Total domestic deposits to total assets | 91.8272% | 333 |
| Equity capital to assets | 6.9602% | 7,094 |
| Core capital (leverage) ratio | 6.9909% | 7,014 |
| Tier 1 risk-based capital ratio | 13.0315% | 4,805 |
| Total risk-based capital ratio | 13.1622% | 5,760 |
| Memoranda: | ||
| Average total assets | $90,661,500 | 5,272 |
| Average earning assets | $86,498,000 | 5,147 |
| Average equity | $6,585,000 | 6,065 |
| Average total loans | $52,588,500 | 5,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 6,209 |
| Cost of funding earning assets | 0.9784% | 5,791 |
| Net interest margin | 3.5837% | 4,891 |
| Noninterest income to average assets | 0.4938% | 4,214 |
| Noninterest expense to average assets | 2.2918% | 6,379 |
| Loan and lease loss provision to assets | 0.0477% | 6,685 |
| Net operating income to assets | 1.0398% | 1,911 |
| Return on assets (ROA) | 1.0398% | 2,013 |
| Pretax return on assets | 1.5551% | 1,230 |
| Return on Equity (ROE) | 14.3871% | 818 |
| Retained earnings to average equity (ytd only) | 4.9632% | 2,432 |
| Net charge-offs to loans | 0.0037% | 6,816 |
| Credit loss provision to net charge-offs | 2,100.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 706.0000% | 24 |
| Efficiency ratio | 58.8458% | 6,228 |
| Assets per employee ($millions) | 3.4559% | 5,038 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,590 |
| Loan loss allowance to noncurrent loans | 30.7190% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 2.5475% | 2,725 |
| Noncurrent loans to loans | 3.0788% | 2,477 |
| Net loans and leases to total assets | 62.6727% | 4,134 |
| Net loans and leases to deposits | 68.8232% | 4,978 |
| Net loans and leases to core deposits | 71.5392% | 5,264 |
| Total domestic deposits to total assets | 91.0635% | 576 |
| Equity capital to assets | 7.5962% | 6,820 |
| Core capital (leverage) ratio | 7.1538% | 6,940 |
| Tier 1 risk-based capital ratio | 12.2971% | 5,209 |
| Total risk-based capital ratio | 12.4419% | 6,162 |
| Memoranda: | ||
| Average total assets | $88,096,600 | 5,345 |
| Average earning assets | $83,601,800 | 5,225 |
| Average equity | $6,366,800 | 6,244 |
| Average total loans | $53,822,000 | 5,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 6,437 |
| Cost of funding earning assets | 1.0175% | 5,856 |
| Net interest margin | 3.5447% | 5,123 |
| Noninterest income to average assets | 0.4835% | 4,310 |
| Noninterest expense to average assets | 2.2608% | 6,436 |
| Loan and lease loss provision to assets | 0.0482% | 6,599 |
| Net operating income to assets | 1.0317% | 2,136 |
| Return on assets (ROA) | 1.0317% | 2,237 |
| Pretax return on assets | 1.5378% | 1,514 |
| Return on Equity (ROE) | 14.4563% | 945 |
| Retained earnings to average equity (ytd only) | 4.4318% | 3,384 |
| Net charge-offs to loans | 0.0050% | 6,597 |
| Credit loss provision to net charge-offs | 1,600.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 525.8277% | 60 |
| Efficiency ratio | 58.7706% | 6,152 |
| Assets per employee ($millions) | 3.7170% | 4,468 |
| Cash dividends to net income (ytd only)* | 69.3434% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,523 |
| Loan loss allowance to noncurrent loans | 25.2994% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 2.7140% | 2,667 |
| Noncurrent loans to loans | 3.8304% | 1,999 |
| Net loans and leases to total assets | 55.7551% | 5,580 |
| Net loans and leases to deposits | 60.7611% | 6,243 |
| Net loans and leases to core deposits | 63.1664% | 6,357 |
| Total domestic deposits to total assets | 91.7612% | 238 |
| Equity capital to assets | 6.9668% | 7,352 |
| Core capital (leverage) ratio | 7.0156% | 7,156 |
| Tier 1 risk-based capital ratio | 12.2421% | 5,231 |
| Total risk-based capital ratio | 12.3811% | 6,251 |
| Memoranda: | ||
| Average total assets | $88,521,250 | 5,398 |
| Average earning assets | $83,992,000 | 5,269 |
| Average equity | $6,317,750 | 6,347 |
| Average total loans | $53,611,250 | 5,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 6,090 |
| Cost of funding earning assets | 1.0585% | 5,880 |
| Net interest margin | 3.6574% | 4,551 |
| Noninterest income to average assets | 0.4779% | 4,299 |
| Noninterest expense to average assets | 2.2607% | 6,475 |
| Loan and lease loss provision to assets | 0.0482% | 6,484 |
| Net operating income to assets | 1.0959% | 1,869 |
| Return on assets (ROA) | 1.0959% | 1,940 |
| Pretax return on assets | 1.6381% | 1,193 |
| Return on Equity (ROE) | 15.2258% | 813 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,502 |
| Net charge-offs to loans | 0.0037% | 6,324 |
| Credit loss provision to net charge-offs | 2,100.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 734.0000% | 38 |
| Efficiency ratio | 57.2759% | 6,478 |
| Assets per employee ($millions) | 3.7802% | 4,266 |
| Cash dividends to net income (ytd only)* | 73.3753% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,677 |
| Loan loss allowance to noncurrent loans | 43.9823% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.8165% | 3,733 |
| Noncurrent loans to loans | 2.1031% | 3,587 |
| Net loans and leases to total assets | 58.6769% | 5,305 |
| Net loans and leases to deposits | 63.9986% | 6,041 |
| Net loans and leases to core deposits | 68.6926% | 6,000 |
| Total domestic deposits to total assets | 91.6847% | 294 |
| Equity capital to assets | 7.0345% | 7,337 |
| Core capital (leverage) ratio | 7.2947% | 7,002 |
| Tier 1 risk-based capital ratio | 11.7946% | 5,497 |
| Total risk-based capital ratio | 11.9247% | 6,543 |
| Memoranda: | ||
| Average total assets | $87,053,000 | 5,482 |
| Average earning assets | $82,572,000 | 5,352 |
| Average equity | $6,265,670 | 6,386 |
| Average total loans | $54,042,330 | 5,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 6,155 |
| Cost of funding earning assets | 1.1204% | 5,803 |
| Net interest margin | 3.6042% | 4,709 |
| Noninterest income to average assets | 0.4882% | 4,141 |
| Noninterest expense to average assets | 2.2812% | 6,437 |
| Loan and lease loss provision to assets | 0.0282% | 6,395 |
| Net operating income to assets | 1.0608% | 1,959 |
| Return on assets (ROA) | 1.0608% | 2,030 |
| Pretax return on assets | 1.5912% | 1,286 |
| Return on Equity (ROE) | 14.5630% | 947 |
| Retained earnings to average equity (ytd only) | 0.0644% | 5,798 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4838% | 6,415 |
| Assets per employee ($millions) | 3.9096% | 4,074 |
| Cash dividends to net income (ytd only)* | 99.5575% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,810 |
| Loan loss allowance to noncurrent loans | 110.5263% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1103% | 4,932 |
| Noncurrent loans to loans | 0.8257% | 5,661 |
| Net loans and leases to total assets | 60.9713% | 4,946 |
| Net loans and leases to deposits | 66.6396% | 5,752 |
| Net loans and leases to core deposits | 70.8283% | 5,843 |
| Total domestic deposits to total assets | 91.4941% | 374 |
| Equity capital to assets | 7.1747% | 7,298 |
| Core capital (leverage) ratio | 7.1366% | 7,151 |
| Tier 1 risk-based capital ratio | 11.6508% | 5,527 |
| Total risk-based capital ratio | 12.5550% | 5,814 |
| Memoranda: | ||
| Average total assets | $85,217,500 | 5,593 |
| Average earning assets | $80,684,000 | 5,482 |
| Average equity | $6,207,500 | 6,450 |
| Average total loans | $54,198,000 | 5,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 2,928 |
| Cost of funding earning assets | 1.4529% | 5,711 |
| Net interest margin | 4.2832% | 1,772 |
| Noninterest income to average assets | 0.5333% | 4,153 |
| Noninterest expense to average assets | 2.4599% | 6,269 |
| Loan and lease loss provision to assets | 0.0883% | 6,731 |
| Net operating income to assets | 1.3315% | 971 |
| Return on assets (ROA) | 1.3315% | 1,019 |
| Pretax return on assets | 2.0354% | 382 |
| Return on Equity (ROE) | 18.1515% | 355 |
| Retained earnings to average equity (ytd only) | 8.2597% | 636 |
| Net charge-offs to loans | -0.0253% | 7,804 |
| Credit loss provision to net charge-offs | -521.4286% | 7,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6675% | 7,262 |
| Assets per employee ($millions) | 3.6706% | 4,591 |
| Cash dividends to net income (ytd only)* | 54.4959% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 6,956 |
| Loan loss allowance to noncurrent loans | 3,180.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,887 |
| Noncurrent loans to loans | 0.0270% | 7,367 |
| Net loans and leases to total assets | 65.1402% | 4,350 |
| Net loans and leases to deposits | 71.4737% | 5,405 |
| Net loans and leases to core deposits | 92.7809% | 4,805 |
| Total domestic deposits to total assets | 91.1388% | 482 |
| Equity capital to assets | 7.3960% | 7,124 |
| Core capital (leverage) ratio | 7.3279% | 6,956 |
| Tier 1 risk-based capital ratio | 10.9682% | 5,941 |
| Total risk-based capital ratio | 11.8089% | 6,320 |
| Memoranda: | ||
| Average total assets | $82,687,000 | 5,644 |
| Average earning assets | $78,189,200 | 5,520 |
| Average equity | $6,065,600 | 6,581 |
| Average total loans | $55,238,600 | 5,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6416% | 3,626 |
| Cost of funding earning assets | 1.5068% | 5,788 |
| Net interest margin | 4.1348% | 2,266 |
| Noninterest income to average assets | 0.5090% | 4,412 |
| Noninterest expense to average assets | 2.4120% | 6,382 |
| Loan and lease loss provision to assets | 0.0859% | 6,506 |
| Net operating income to assets | 1.2660% | 1,299 |
| Return on assets (ROA) | 1.2660% | 1,370 |
| Pretax return on assets | 1.9209% | 634 |
| Return on Equity (ROE) | 17.2946% | 516 |
| Retained earnings to average equity (ytd only) | 7.3297% | 1,384 |
| Net charge-offs to loans | -0.0387% | 7,832 |
| Credit loss provision to net charge-offs | -331.2500% | 7,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5855% | 7,175 |
| Assets per employee ($millions) | 3.6301% | 4,607 |
| Cash dividends to net income (ytd only)* | 57.6188% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 7,081 |
| Loan loss allowance to noncurrent loans | 228.3582% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 5,359 |
| Noncurrent loans to loans | 0.3555% | 6,641 |
| Net loans and leases to total assets | 67.1721% | 4,139 |
| Net loans and leases to deposits | 73.6910% | 5,405 |
| Net loans and leases to core deposits | 96.3825% | 4,766 |
| Total domestic deposits to total assets | 91.1537% | 361 |
| Equity capital to assets | 7.3168% | 7,417 |
| Core capital (leverage) ratio | 7.2703% | 7,211 |
| Tier 1 risk-based capital ratio | 10.5959% | 6,348 |
| Total risk-based capital ratio | 11.3994% | 6,773 |
| Memoranda: | ||
| Average total assets | $82,252,750 | 5,684 |
| Average earning assets | $77,777,750 | 5,563 |
| Average equity | $6,021,000 | 6,654 |
| Average total loans | $55,180,500 | 5,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 3,528 |
| Cost of funding earning assets | 1.5671% | 5,849 |
| Net interest margin | 4.1350% | 2,215 |
| Noninterest income to average assets | 0.4912% | 4,518 |
| Noninterest expense to average assets | 2.4218% | 6,396 |
| Loan and lease loss provision to assets | 0.0806% | 6,378 |
| Net operating income to assets | 1.2463% | 1,366 |
| Return on assets (ROA) | 1.2463% | 1,440 |
| Pretax return on assets | 1.8964% | 701 |
| Return on Equity (ROE) | 17.0236% | 578 |
| Retained earnings to average equity (ytd only) | 7.0097% | 1,583 |
| Net charge-offs to loans | -0.0548% | 7,861 |
| Credit loss provision to net charge-offs | -220.0000% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0556% | 7,223 |
| Assets per employee ($millions) | 3.5118% | 4,792 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 7,136 |
| Loan loss allowance to noncurrent loans | 112.0205% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 4,806 |
| Noncurrent loans to loans | 0.7202% | 5,794 |
| Net loans and leases to total assets | 63.8986% | 5,006 |
| Net loans and leases to deposits | 70.0079% | 5,987 |
| Net loans and leases to core deposits | 88.5482% | 5,675 |
| Total domestic deposits to total assets | 91.2733% | 381 |
| Equity capital to assets | 7.1569% | 7,516 |
| Core capital (leverage) ratio | 7.1975% | 7,360 |
| Tier 1 risk-based capital ratio | 10.7635% | 6,121 |
| Total risk-based capital ratio | 11.5583% | 6,523 |
| Memoranda: | ||
| Average total assets | $81,839,330 | 5,736 |
| Average earning assets | $77,339,000 | 5,618 |
| Average equity | $5,991,670 | 6,721 |
| Average total loans | $54,726,330 | 5,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 4,016 |
| Cost of funding earning assets | 1.6717% | 5,734 |
| Net interest margin | 3.9847% | 2,708 |
| Noninterest income to average assets | 0.4614% | 4,670 |
| Noninterest expense to average assets | 2.2576% | 6,666 |
| Loan and lease loss provision to assets | 0.0794% | 5,959 |
| Net operating income to assets | 1.2503% | 1,506 |
| Return on assets (ROA) | 1.2503% | 1,611 |
| Pretax return on assets | 1.8854% | 829 |
| Return on Equity (ROE) | 16.8802% | 703 |
| Retained earnings to average equity (ytd only) | 6.8325% | 2,271 |
| Net charge-offs to loans | 0.0218% | 5,251 |
| Credit loss provision to net charge-offs | 533.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 328 |
| Efficiency ratio | 53.4665% | 7,270 |
| Assets per employee ($millions) | 3.6728% | 4,395 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 7,329 |
| Loan loss allowance to noncurrent loans | 76.0377% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 4,956 |
| Noncurrent loans to loans | 0.9780% | 5,041 |
| Net loans and leases to total assets | 66.5664% | 4,450 |
| Net loans and leases to deposits | 73.2085% | 5,586 |
| Net loans and leases to core deposits | 93.1022% | 5,245 |
| Total domestic deposits to total assets | 90.9272% | 438 |
| Equity capital to assets | 7.3959% | 7,425 |
| Core capital (leverage) ratio | 7.2388% | 7,440 |
| Tier 1 risk-based capital ratio | 10.6208% | 6,274 |
| Total risk-based capital ratio | 11.3557% | 6,717 |
| Memoranda: | ||
| Average total assets | $80,618,000 | 5,800 |
| Average earning assets | $76,091,500 | 5,694 |
| Average equity | $5,971,500 | 6,774 |
| Average total loans | $54,943,000 | 5,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 6,434 |
| Cost of funding earning assets | 2.2689% | 5,293 |
| Net interest margin | 3.5311% | 5,186 |
| Noninterest income to average assets | 0.5406% | 4,312 |
| Noninterest expense to average assets | 2.2661% | 6,799 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1241% | 2,051 |
| Return on assets (ROA) | 1.1337% | 1,931 |
| Pretax return on assets | 1.6169% | 1,338 |
| Return on Equity (ROE) | 15.8431% | 794 |
| Retained earnings to average equity (ytd only) | 7.9913% | 847 |
| Net charge-offs to loans | 0.0082% | 6,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 149 |
| Efficiency ratio | 58.5673% | 6,596 |
| Assets per employee ($millions) | 3.4971% | 4,669 |
| Cash dividends to net income (ytd only)* | 49.5595% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 7,421 |
| Loan loss allowance to noncurrent loans | 42.6230% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3775% | 3,434 |
| Noncurrent loans to loans | 1.6428% | 3,309 |
| Net loans and leases to total assets | 68.7595% | 4,309 |
| Net loans and leases to deposits | 75.7637% | 5,614 |
| Net loans and leases to core deposits | 97.4418% | 5,105 |
| Total domestic deposits to total assets | 90.7552% | 403 |
| Equity capital to assets | 7.4185% | 7,454 |
| Core capital (leverage) ratio | 7.0067% | 7,692 |
| Tier 1 risk-based capital ratio | 10.3107% | 6,405 |
| Total risk-based capital ratio | 11.0134% | 6,897 |
| Memoranda: | ||
| Average total assets | $80,091,800 | 5,705 |
| Average earning assets | $75,500,600 | 5,610 |
| Average equity | $5,731,200 | 6,906 |
| Average total loans | $49,033,600 | 5,742 |