Home > The First National Bank of Ordway > Performance and Condition Ratios
The First National Bank of Ordway, Performance and Condition Ratios
| 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 | 4.8144% | 3,741 |
| Cost of funding earning assets | 1.6855% | 338 |
| Net interest margin | 3.1289% | 6,273 |
| Noninterest income to average assets | 0.4149% | 4,495 |
| Noninterest expense to average assets | 3.2617% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0953% | 5,875 |
| Return on assets (ROA) | 0.0883% | 6,005 |
| Pretax return on assets | -0.0066% | 6,139 |
| Return on Equity (ROE) | 0.8519% | 5,994 |
| Retained earnings to average equity (ytd only) | 0.8519% | 5,466 |
| Net charge-offs to loans | 0.6610% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.0105% | 5,813 |
| Efficiency ratio | 99.8649% | 677 |
| Assets per employee ($millions) | 3.3425% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8432% | 422 |
| Loan loss allowance to noncurrent loans | 63.1098% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 4.8006% | 1,128 |
| Noncurrent loans to loans | 6.0896% | 803 |
| Net loans and leases to total assets | 59.5954% | 4,060 |
| Net loans and leases to deposits | 69.7667% | 4,147 |
| Net loans and leases to core deposits | 99.8804% | 1,191 |
| Total domestic deposits to total assets | 85.4210% | 3,633 |
| Equity capital to assets | 10.8807% | 3,105 |
| Core capital (leverage) ratio | 9.9307% | 3,422 |
| Tier 1 risk-based capital ratio | 15.7862% | 3,160 |
| Total risk-based capital ratio | 17.0687% | 3,107 |
| Memoranda: | ||
| Average total assets | $45,314,000 | 6,499 |
| Average earning assets | $41,293,000 | 6,484 |
| Average equity | $4,695,200 | 6,533 |
| Average total loans | $28,745,000 | 6,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 3,653 |
| Cost of funding earning assets | 1.7396% | 334 |
| Net interest margin | 3.1364% | 6,328 |
| Noninterest income to average assets | 0.4136% | 4,558 |
| Noninterest expense to average assets | 3.2823% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0834% | 6,000 |
| Return on assets (ROA) | 0.0815% | 6,125 |
| Pretax return on assets | -0.0204% | 6,252 |
| Return on Equity (ROE) | 0.7965% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.7965% | 5,694 |
| Net charge-offs to loans | 0.6530% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.0420% | 5,630 |
| Efficiency ratio | 100.5352% | 645 |
| Assets per employee ($millions) | 2.6654% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9258% | 416 |
| Loan loss allowance to noncurrent loans | 63.7972% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 4.9987% | 1,151 |
| Noncurrent loans to loans | 6.1536% | 892 |
| Net loans and leases to total assets | 58.4371% | 4,427 |
| Net loans and leases to deposits | 68.2660% | 4,560 |
| Net loans and leases to core deposits | 98.2450% | 1,406 |
| Total domestic deposits to total assets | 85.6020% | 3,445 |
| Equity capital to assets | 10.4409% | 3,781 |
| Core capital (leverage) ratio | 9.6118% | 3,977 |
| Tier 1 risk-based capital ratio | 15.6940% | 3,280 |
| Total risk-based capital ratio | 16.9774% | 3,225 |
| Memoranda: | ||
| Average total assets | $45,779,250 | 6,544 |
| Average earning assets | $41,618,000 | 6,524 |
| Average equity | $4,687,000 | 6,591 |
| Average total loans | $29,198,500 | 6,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 4,135 |
| Cost of funding earning assets | 1.7727% | 353 |
| Net interest margin | 3.0169% | 6,576 |
| Noninterest income to average assets | 0.4093% | 4,607 |
| Noninterest expense to average assets | 3.3047% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0218% | 6,260 |
| Return on assets (ROA) | -0.0218% | 6,324 |
| Pretax return on assets | -0.1611% | 6,423 |
| Return on Equity (ROE) | -0.2140% | 6,326 |
| Retained earnings to average equity (ytd only) | -0.2140% | 5,884 |
| Net charge-offs to loans | 0.0134% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -18.5000% | 5,841 |
| Efficiency ratio | 105.1247% | 583 |
| Assets per employee ($millions) | 2.7269% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2386% | 351 |
| Loan loss allowance to noncurrent loans | 75.4473% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 5.1944% | 1,171 |
| Noncurrent loans to loans | 5.6179% | 1,111 |
| Net loans and leases to total assets | 59.6035% | 4,348 |
| Net loans and leases to deposits | 69.7612% | 4,468 |
| Net loans and leases to core deposits | 102.3901% | 1,154 |
| Total domestic deposits to total assets | 85.4394% | 3,652 |
| Equity capital to assets | 10.1255% | 3,982 |
| Core capital (leverage) ratio | 9.4086% | 4,096 |
| Tier 1 risk-based capital ratio | 15.2854% | 3,355 |
| Total risk-based capital ratio | 16.5821% | 3,282 |
| Memoranda: | ||
| Average total assets | $45,935,000 | 6,598 |
| Average earning assets | $41,632,330 | 6,579 |
| Average equity | $4,672,330 | 6,633 |
| Average total loans | $29,744,330 | 6,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 3,768 |
| Cost of funding earning assets | 1.8593% | 302 |
| Net interest margin | 3.0020% | 6,568 |
| Noninterest income to average assets | 0.4112% | 4,618 |
| Noninterest expense to average assets | 3.4905% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1487% | 6,505 |
| Return on assets (ROA) | -0.1487% | 6,525 |
| Pretax return on assets | -0.3674% | 6,667 |
| Return on Equity (ROE) | -1.4588% | 6,536 |
| Retained earnings to average equity (ytd only) | -1.4588% | 6,065 |
| Net charge-offs to loans | -0.0132% | 6,445 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7647% | 462 |
| Assets per employee ($millions) | 2.4354% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1862% | 375 |
| Loan loss allowance to noncurrent loans | 73.9891% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 5.2817% | 1,171 |
| Noncurrent loans to loans | 5.6578% | 1,152 |
| Net loans and leases to total assets | 60.6423% | 4,143 |
| Net loans and leases to deposits | 70.9974% | 4,196 |
| Net loans and leases to core deposits | 104.5297% | 1,028 |
| Total domestic deposits to total assets | 85.4148% | 3,830 |
| Equity capital to assets | 10.0620% | 3,698 |
| Core capital (leverage) ratio | 9.6956% | 3,532 |
| Tier 1 risk-based capital ratio | 14.7874% | 3,552 |
| Total risk-based capital ratio | 16.0706% | 3,491 |
| Memoranda: | ||
| Average total assets | $45,723,500 | 6,650 |
| Average earning assets | $41,305,500 | 6,636 |
| Average equity | $4,661,500 | 6,664 |
| Average total loans | $30,189,500 | 6,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0738% | 738 |
| Cost of funding earning assets | 2.1173% | 401 |
| Net interest margin | 3.9565% | 3,233 |
| Noninterest income to average assets | 0.6549% | 3,121 |
| Noninterest expense to average assets | 3.3462% | 2,594 |
| Loan and lease loss provision to assets | 0.1263% | 5,899 |
| Net operating income to assets | 0.6002% | 3,668 |
| Return on assets (ROA) | 0.6002% | 3,830 |
| Pretax return on assets | 0.8065% | 3,606 |
| Return on Equity (ROE) | 6.2972% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.2972% | 1,665 |
| Net charge-offs to loans | 0.4019% | 4,028 |
| Credit loss provision to net charge-offs | 43.4783% | 6,343 |
| Earnings coverage of net charge-offs (x) | 3.2101% | 3,475 |
| Efficiency ratio | 78.1988% | 2,676 |
| Assets per employee ($millions) | 2.2587% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9399% | 427 |
| Loan loss allowance to noncurrent loans | 125.1277% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 3.9093% | 1,743 |
| Noncurrent loans to loans | 3.1487% | 2,419 |
| Net loans and leases to total assets | 66.1155% | 3,447 |
| Net loans and leases to deposits | 77.9024% | 3,526 |
| Net loans and leases to core deposits | 119.1249% | 557 |
| Total domestic deposits to total assets | 84.8696% | 3,920 |
| Equity capital to assets | 10.3312% | 3,349 |
| Core capital (leverage) ratio | 9.8204% | 3,295 |
| Tier 1 risk-based capital ratio | 14.7367% | 3,402 |
| Total risk-based capital ratio | 16.0194% | 3,339 |
| Memoranda: | ||
| Average total assets | $47,487,400 | 6,620 |
| Average earning assets | $43,498,000 | 6,598 |
| Average equity | $4,525,800 | 6,808 |
| Average total loans | $34,337,400 | 6,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1025% | 758 |
| Cost of funding earning assets | 2.1501% | 450 |
| Net interest margin | 3.9524% | 3,312 |
| Noninterest income to average assets | 0.7379% | 2,592 |
| Noninterest expense to average assets | 3.1206% | 3,237 |
| Loan and lease loss provision to assets | 0.1664% | 5,382 |
| Net operating income to assets | 0.7712% | 3,127 |
| Return on assets (ROA) | 0.7712% | 3,281 |
| Pretax return on assets | 1.0763% | 2,907 |
| Return on Equity (ROE) | 8.2543% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.2543% | 1,328 |
| Net charge-offs to loans | 0.5690% | 3,047 |
| Credit loss provision to net charge-offs | 40.0000% | 6,016 |
| Earnings coverage of net charge-offs (x) | 2.9866% | 3,637 |
| Efficiency ratio | 71.5194% | 3,794 |
| Assets per employee ($millions) | 2.3601% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7520% | 450 |
| Loan loss allowance to noncurrent loans | 150.4963% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 2.6482% | 2,736 |
| Noncurrent loans to loans | 2.4931% | 3,127 |
| Net loans and leases to total assets | 65.9223% | 3,707 |
| Net loans and leases to deposits | 76.6045% | 4,068 |
| Net loans and leases to core deposits | 115.3769% | 772 |
| Total domestic deposits to total assets | 86.0554% | 3,048 |
| Equity capital to assets | 9.9447% | 4,226 |
| Core capital (leverage) ratio | 9.6365% | 3,699 |
| Tier 1 risk-based capital ratio | 14.3071% | 3,627 |
| Total risk-based capital ratio | 15.5893% | 3,564 |
| Memoranda: | ||
| Average total assets | $48,065,750 | 6,684 |
| Average earning assets | $44,090,000 | 6,655 |
| Average equity | $4,490,500 | 6,907 |
| Average total loans | $35,148,750 | 6,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 634 |
| Cost of funding earning assets | 2.1913% | 482 |
| Net interest margin | 3.9994% | 3,015 |
| Noninterest income to average assets | 0.4053% | 4,870 |
| Noninterest expense to average assets | 2.9532% | 3,881 |
| Loan and lease loss provision to assets | 0.2482% | 4,440 |
| Net operating income to assets | 0.6452% | 3,644 |
| Return on assets (ROA) | 0.6452% | 3,801 |
| Pretax return on assets | 0.8727% | 3,611 |
| Return on Equity (ROE) | 7.0546% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.0546% | 1,809 |
| Net charge-offs to loans | 0.8147% | 2,211 |
| Credit loss provision to net charge-offs | 40.8163% | 5,598 |
| Earnings coverage of net charge-offs (x) | 1.8435% | 4,135 |
| Efficiency ratio | 72.4873% | 3,741 |
| Assets per employee ($millions) | 2.4542% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6175% | 504 |
| Loan loss allowance to noncurrent loans | 143.9053% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 2.6262% | 2,751 |
| Noncurrent loans to loans | 2.5138% | 3,140 |
| Net loans and leases to total assets | 66.0066% | 3,828 |
| Net loans and leases to deposits | 76.0106% | 4,336 |
| Net loans and leases to core deposits | 114.2625% | 907 |
| Total domestic deposits to total assets | 86.8386% | 2,628 |
| Equity capital to assets | 9.3087% | 4,991 |
| Core capital (leverage) ratio | 9.0010% | 4,600 |
| Tier 1 risk-based capital ratio | 13.0656% | 4,385 |
| Total risk-based capital ratio | 14.0231% | 4,594 |
| Memoranda: | ||
| Average total assets | $48,354,000 | 6,719 |
| Average earning assets | $44,356,670 | 6,684 |
| Average equity | $4,422,670 | 6,968 |
| Average total loans | $36,088,670 | 6,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4509% | 396 |
| Cost of funding earning assets | 2.2410% | 519 |
| Net interest margin | 4.2099% | 2,002 |
| Noninterest income to average assets | 0.4418% | 4,545 |
| Noninterest expense to average assets | 2.9423% | 3,902 |
| Loan and lease loss provision to assets | 0.5001% | 2,498 |
| Net operating income to assets | 0.6501% | 3,662 |
| Return on assets (ROA) | 0.6501% | 3,784 |
| Pretax return on assets | 0.8669% | 3,596 |
| Return on Equity (ROE) | 7.1732% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.1732% | 2,059 |
| Net charge-offs to loans | 0.2358% | 3,524 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,088 |
| Efficiency ratio | 68.2785% | 4,662 |
| Assets per employee ($millions) | 2.6716% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7305% | 457 |
| Loan loss allowance to noncurrent loans | 150.3363% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8716% | 3,671 |
| Noncurrent loans to loans | 2.4814% | 3,189 |
| Net loans and leases to total assets | 71.9639% | 2,459 |
| Net loans and leases to deposits | 83.0179% | 3,104 |
| Net loans and leases to core deposits | 127.1391% | 559 |
| Total domestic deposits to total assets | 86.6848% | 2,792 |
| Equity capital to assets | 9.3350% | 4,780 |
| Core capital (leverage) ratio | 9.3634% | 3,960 |
| Tier 1 risk-based capital ratio | 12.8118% | 4,471 |
| Total risk-based capital ratio | 14.0933% | 4,422 |
| Memoranda: | ||
| Average total assets | $47,989,500 | 6,805 |
| Average earning assets | $44,087,000 | 6,771 |
| Average equity | $4,349,500 | 7,056 |
| Average total loans | $37,326,000 | 6,246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 1,329 |
| Cost of funding earning assets | 2.4380% | 1,191 |
| Net interest margin | 3.7283% | 4,010 |
| Noninterest income to average assets | 0.4933% | 4,467 |
| Noninterest expense to average assets | 2.9493% | 4,346 |
| Loan and lease loss provision to assets | 2.4436% | 818 |
| Net operating income to assets | -0.8069% | 6,441 |
| Return on assets (ROA) | -0.8214% | 6,452 |
| Pretax return on assets | -1.4695% | 6,683 |
| Return on Equity (ROE) | -9.5738% | 6,588 |
| Retained earnings to average equity (ytd only) | -14.3847% | 6,845 |
| Net charge-offs to loans | 0.8567% | 2,687 |
| Credit loss provision to net charge-offs | 356.6265% | 901 |
| Earnings coverage of net charge-offs (x) | 1.4548% | 4,671 |
| Efficiency ratio | 74.7385% | 3,751 |
| Assets per employee ($millions) | 2.5206% | 7,177 |
| Cash dividends to net income (ytd only)* | -50.2513% | 7,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3665% | 591 |
| Loan loss allowance to noncurrent loans | 141.7845% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9356% | 3,477 |
| Noncurrent loans to loans | 2.3744% | 3,196 |
| Net loans and leases to total assets | 78.0982% | 1,361 |
| Net loans and leases to deposits | 91.3224% | 1,996 |
| Net loans and leases to core deposits | 124.7856% | 1,588 |
| Total domestic deposits to total assets | 85.5192% | 3,279 |
| Equity capital to assets | 8.7908% | 5,457 |
| Core capital (leverage) ratio | 8.2476% | 5,729 |
| Tier 1 risk-based capital ratio | 10.7607% | 6,145 |
| Total risk-based capital ratio | 12.0361% | 6,098 |
| Memoranda: | ||
| Average total assets | $48,452,800 | 6,770 |
| Average earning assets | $44,872,600 | 6,726 |
| Average equity | $4,157,200 | 7,227 |
| Average total loans | $38,753,400 | 6,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 2,213 |
| Cost of funding earning assets | 2.4337% | 1,514 |
| Net interest margin | 3.5219% | 4,773 |
| Noninterest income to average assets | 0.4609% | 4,812 |
| Noninterest expense to average assets | 2.9084% | 4,421 |
| Loan and lease loss provision to assets | 1.2512% | 1,543 |
| Net operating income to assets | -0.1727% | 6,015 |
| Return on assets (ROA) | -0.1921% | 6,061 |
| Pretax return on assets | -0.4609% | 6,254 |
| Return on Equity (ROE) | -2.2522% | 6,131 |
| Retained earnings to average equity (ytd only) | -8.6870% | 6,675 |
| Net charge-offs to loans | 0.7223% | 2,549 |
| Credit loss provision to net charge-offs | 217.1429% | 2,024 |
| Earnings coverage of net charge-offs (x) | 1.4238% | 4,714 |
| Efficiency ratio | 77.9985% | 3,165 |
| Assets per employee ($millions) | 2.6393% | 6,968 |
| Cash dividends to net income (ytd only)* | -285.7173% | 8,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 2,638 |
| Loan loss allowance to noncurrent loans | 70.1207% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.2474% | 3,042 |
| Noncurrent loans to loans | 2.4234% | 3,109 |
| Net loans and leases to total assets | 80.4016% | 1,107 |
| Net loans and leases to deposits | 91.3994% | 2,334 |
| Net loans and leases to core deposits | 123.8146% | 1,919 |
| Total domestic deposits to total assets | 87.9674% | 1,670 |
| Equity capital to assets | 7.8529% | 6,982 |
| Core capital (leverage) ratio | 7.8923% | 6,512 |
| Tier 1 risk-based capital ratio | 9.4346% | 7,418 |
| Total risk-based capital ratio | 10.6852% | 7,379 |
| Memoranda: | ||
| Average total assets | $48,593,250 | 6,821 |
| Average earning assets | $45,088,000 | 6,773 |
| Average equity | $4,144,000 | 7,308 |
| Average total loans | $38,765,500 | 6,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8789% | 2,680 |
| Cost of funding earning assets | 2.4645% | 1,731 |
| Net interest margin | 3.4144% | 5,116 |
| Noninterest income to average assets | 0.4701% | 4,712 |
| Noninterest expense to average assets | 2.9953% | 4,101 |
| Loan and lease loss provision to assets | 0.1165% | 5,974 |
| Net operating income to assets | 0.3916% | 4,546 |
| Return on assets (ROA) | 0.3578% | 4,769 |
| Pretax return on assets | 0.4826% | 4,679 |
| Return on Equity (ROE) | 4.0829% | 4,462 |
| Retained earnings to average equity (ytd only) | -0.6647% | 5,392 |
| Net charge-offs to loans | 0.0158% | 6,309 |
| Credit loss provision to net charge-offs | 933.3333% | 518 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 670 |
| Efficiency ratio | 82.2857% | 2,689 |
| Assets per employee ($millions) | 2.6865% | 6,863 |
| Cash dividends to net income (ytd only)* | 116.2791% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 5,103 |
| Loan loss allowance to noncurrent loans | 41.9753% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2491% | 2,891 |
| Noncurrent loans to loans | 2.8013% | 2,573 |
| Net loans and leases to total assets | 78.3751% | 1,666 |
| Net loans and leases to deposits | 91.6999% | 2,526 |
| Net loans and leases to core deposits | 118.5579% | 2,494 |
| Total domestic deposits to total assets | 85.4691% | 3,029 |
| Equity capital to assets | 8.2186% | 6,464 |
| Core capital (leverage) ratio | 8.4948% | 5,460 |
| Tier 1 risk-based capital ratio | 10.0498% | 6,872 |
| Total risk-based capital ratio | 11.1902% | 6,922 |
| Memoranda: | ||
| Average total assets | $48,075,330 | 6,901 |
| Average earning assets | $44,634,000 | 6,851 |
| Average equity | $4,212,670 | 7,335 |
| Average total loans | $38,015,330 | 6,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0104% | 2,316 |
| Cost of funding earning assets | 2.5600% | 1,702 |
| Net interest margin | 3.4504% | 4,936 |
| Noninterest income to average assets | 0.5151% | 4,182 |
| Noninterest expense to average assets | 3.0392% | 3,595 |
| Loan and lease loss provision to assets | 0.2404% | 4,056 |
| Net operating income to assets | 0.2865% | 5,346 |
| Return on assets (ROA) | 0.2232% | 5,751 |
| Pretax return on assets | 0.3348% | 5,581 |
| Return on Equity (ROE) | 2.4636% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.4636% | 4,504 |
| Net charge-offs to loans | 0.0217% | 5,252 |
| Credit loss provision to net charge-offs | 1,400.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 869 |
| Efficiency ratio | 81.9444% | 2,539 |
| Assets per employee ($millions) | 2.4061% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,146 |
| Loan loss allowance to noncurrent loans | 43.9227% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.2859% | 2,509 |
| Noncurrent loans to loans | 2.9316% | 2,226 |
| Net loans and leases to total assets | 75.9902% | 2,270 |
| Net loans and leases to deposits | 88.5209% | 3,193 |
| Net loans and leases to core deposits | 116.4512% | 2,751 |
| Total domestic deposits to total assets | 85.8443% | 2,797 |
| Equity capital to assets | 8.8005% | 5,625 |
| Core capital (leverage) ratio | 9.1382% | 4,493 |
| Tier 1 risk-based capital ratio | 10.8729% | 6,016 |
| Total risk-based capital ratio | 12.0976% | 5,947 |
| Memoranda: | ||
| Average total assets | $46,591,500 | 7,006 |
| Average earning assets | $43,125,000 | 6,972 |
| Average equity | $4,221,500 | 7,374 |
| Average total loans | $36,782,500 | 6,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9161% | 1,355 |
| Cost of funding earning assets | 2.7862% | 2,764 |
| Net interest margin | 4.1299% | 2,582 |
| Noninterest income to average assets | 0.5549% | 4,193 |
| Noninterest expense to average assets | 3.3487% | 2,823 |
| Loan and lease loss provision to assets | -0.2679% | 8,278 |
| Net operating income to assets | 0.9139% | 2,942 |
| Return on assets (ROA) | 0.8467% | 3,072 |
| Pretax return on assets | 1.1744% | 2,745 |
| Return on Equity (ROE) | 8.5831% | 2,797 |
| Retained earnings to average equity (ytd only) | -2.3034% | 5,953 |
| Net charge-offs to loans | 0.0168% | 6,638 |
| Credit loss provision to net charge-offs | -1,866.6667% | 7,469 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 586 |
| Efficiency ratio | 77.0077% | 3,077 |
| Assets per employee ($millions) | 2.3716% | 7,448 |
| Cash dividends to net income (ytd only)* | 126.8362% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,277 |
| Loan loss allowance to noncurrent loans | 66.4212% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5379% | 3,146 |
| Noncurrent loans to loans | 1.8593% | 2,976 |
| Net loans and leases to total assets | 80.0448% | 1,651 |
| Net loans and leases to deposits | 92.5748% | 3,038 |
| Net loans and leases to core deposits | 119.4219% | 2,746 |
| Total domestic deposits to total assets | 86.4650% | 2,185 |
| Equity capital to assets | 9.3385% | 4,887 |
| Core capital (leverage) ratio | 9.3480% | 4,237 |
| Tier 1 risk-based capital ratio | 11.2213% | 5,516 |
| Total risk-based capital ratio | 12.4240% | 5,454 |
| Memoranda: | ||
| Average total assets | $41,807,200 | 7,137 |
| Average earning assets | $38,403,200 | 7,115 |
| Average equity | $4,124,400 | 7,462 |
| Average total loans | $35,757,800 | 6,380 |