Home > The First National Bank of Wyoming > Performance and Condition Ratios
The First National Bank of Wyoming, Performance and Condition Ratios
| 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 | 3.8318% | 4,403 |
| Cost of funding earning assets | 0.3229% | 4,726 |
| Net interest margin | 3.5089% | 3,750 |
| Noninterest income to average assets | 0.8774% | 1,567 |
| Noninterest expense to average assets | 2.8020% | 3,496 |
| Loan and lease loss provision to assets | 0.1545% | 1,596 |
| Net operating income to assets | 0.7634% | 3,497 |
| Return on assets (ROA) | 0.7634% | 3,603 |
| Pretax return on assets | 1.0631% | 3,238 |
| Return on Equity (ROE) | 4.5379% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.5379% | 3,287 |
| Net charge-offs to loans | 0.4225% | 966 |
| Credit loss provision to net charge-offs | 57.3892% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.5222% | 3,093 |
| Efficiency ratio | 69.7080% | 3,709 |
| Assets per employee ($millions) | 4.8766% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1820% | 313 |
| Loan loss allowance to noncurrent loans | 195.5138% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2299% | 1,357 |
| Noncurrent loans to loans | 1.6275% | 2,138 |
| Net loans and leases to total assets | 61.8412% | 3,430 |
| Net loans and leases to deposits | 76.5902% | 2,977 |
| Net loans and leases to core deposits | 78.6995% | 3,351 |
| Total domestic deposits to total assets | 80.7430% | 5,054 |
| Equity capital to assets | 16.9769% | 418 |
| Core capital (leverage) ratio | 16.9711% | 361 |
| Tier 1 risk-based capital ratio | 25.7887% | 797 |
| Total risk-based capital ratio | 27.0620% | 777 |
| Memoranda: | ||
| Average total assets | $301,565,000 | 2,163 |
| Average earning assets | $270,052,670 | 2,211 |
| Average equity | $50,728,000 | 1,430 |
| Average total loans | $192,207,000 | 2,111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,428 |
| Cost of funding earning assets | 0.3157% | 4,909 |
| Net interest margin | 3.4978% | 3,698 |
| Noninterest income to average assets | 0.8633% | 1,510 |
| Noninterest expense to average assets | 2.7439% | 3,785 |
| Loan and lease loss provision to assets | 0.3095% | 613 |
| Net operating income to assets | 0.6773% | 3,804 |
| Return on assets (ROA) | 0.6773% | 3,885 |
| Pretax return on assets | 0.9297% | 3,592 |
| Return on Equity (ROE) | 4.0454% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.0454% | 3,687 |
| Net charge-offs to loans | 0.8219% | 422 |
| Credit loss provision to net charge-offs | 59.1371% | 2,121 |
| Earnings coverage of net charge-offs (x) | 2.3680% | 2,894 |
| Efficiency ratio | 68.8896% | 4,020 |
| Assets per employee ($millions) | 4.2882% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2020% | 357 |
| Loan loss allowance to noncurrent loans | 179.3184% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 2.6125% | 1,188 |
| Noncurrent loans to loans | 1.7856% | 2,157 |
| Net loans and leases to total assets | 61.9971% | 3,242 |
| Net loans and leases to deposits | 76.8387% | 2,708 |
| Net loans and leases to core deposits | 78.7849% | 3,116 |
| Total domestic deposits to total assets | 80.6847% | 5,319 |
| Equity capital to assets | 16.8784% | 409 |
| Core capital (leverage) ratio | 16.9983% | 367 |
| Tier 1 risk-based capital ratio | 24.9977% | 888 |
| Total risk-based capital ratio | 26.2669% | 868 |
| Memoranda: | ||
| Average total assets | $301,174,000 | 2,173 |
| Average earning assets | $268,623,000 | 2,229 |
| Average equity | $50,427,500 | 1,436 |
| Average total loans | $191,750,500 | 2,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,393 |
| Cost of funding earning assets | 0.3680% | 4,976 |
| Net interest margin | 3.5508% | 3,676 |
| Noninterest income to average assets | 0.9337% | 1,571 |
| Noninterest expense to average assets | 3.0682% | 2,839 |
| Loan and lease loss provision to assets | 0.1626% | 2,244 |
| Net operating income to assets | 0.6764% | 3,911 |
| Return on assets (ROA) | 0.6764% | 4,003 |
| Pretax return on assets | 0.8637% | 3,901 |
| Return on Equity (ROE) | 4.1153% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.1153% | 3,247 |
| Net charge-offs to loans | 0.5485% | 1,208 |
| Credit loss provision to net charge-offs | 48.5572% | 3,850 |
| Earnings coverage of net charge-offs (x) | 3.0647% | 3,967 |
| Efficiency ratio | 74.9349% | 2,962 |
| Assets per employee ($millions) | 3.9759% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3031% | 338 |
| Loan loss allowance to noncurrent loans | 157.5705% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1412% | 1,665 |
| Noncurrent loans to loans | 2.0963% | 1,889 |
| Net loans and leases to total assets | 61.1995% | 3,499 |
| Net loans and leases to deposits | 75.5831% | 3,008 |
| Net loans and leases to core deposits | 77.6459% | 3,411 |
| Total domestic deposits to total assets | 80.9697% | 5,187 |
| Equity capital to assets | 16.6098% | 436 |
| Core capital (leverage) ratio | 16.3665% | 428 |
| Tier 1 risk-based capital ratio | 25.0774% | 841 |
| Total risk-based capital ratio | 26.3517% | 831 |
| Memoranda: | ||
| Average total assets | $300,112,200 | 2,147 |
| Average earning assets | $267,151,000 | 2,206 |
| Average equity | $49,328,600 | 1,428 |
| Average total loans | $183,219,400 | 2,167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 4,455 |
| Cost of funding earning assets | 0.3811% | 4,989 |
| Net interest margin | 3.5320% | 3,752 |
| Noninterest income to average assets | 0.8754% | 1,841 |
| Noninterest expense to average assets | 2.9043% | 3,296 |
| Loan and lease loss provision to assets | 0.0837% | 3,389 |
| Net operating income to assets | 0.7347% | 3,675 |
| Return on assets (ROA) | 0.7347% | 3,807 |
| Pretax return on assets | 1.0258% | 3,394 |
| Return on Equity (ROE) | 4.4820% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,480 |
| Net charge-offs to loans | 0.5003% | 1,286 |
| Credit loss provision to net charge-offs | 27.6471% | 3,939 |
| Earnings coverage of net charge-offs (x) | 3.6662% | 3,640 |
| Efficiency ratio | 72.3584% | 3,339 |
| Assets per employee ($millions) | 4.0488% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4073% | 369 |
| Loan loss allowance to noncurrent loans | 192.6488% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 2,079 |
| Noncurrent loans to loans | 1.7686% | 2,544 |
| Net loans and leases to total assets | 58.4280% | 3,938 |
| Net loans and leases to deposits | 72.0038% | 3,516 |
| Net loans and leases to core deposits | 74.1521% | 3,824 |
| Total domestic deposits to total assets | 81.1457% | 5,179 |
| Equity capital to assets | 16.1927% | 518 |
| Core capital (leverage) ratio | 16.4277% | 438 |
| Tier 1 risk-based capital ratio | 25.4003% | 845 |
| Total risk-based capital ratio | 26.6753% | 823 |
| Memoranda: | ||
| Average total assets | $299,597,500 | 2,160 |
| Average earning assets | $266,208,750 | 2,215 |
| Average equity | $49,113,250 | 1,449 |
| Average total loans | $181,213,250 | 2,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 4,558 |
| Cost of funding earning assets | 0.4024% | 4,923 |
| Net interest margin | 3.4744% | 3,903 |
| Noninterest income to average assets | 0.8717% | 1,920 |
| Noninterest expense to average assets | 2.8664% | 3,450 |
| Loan and lease loss provision to assets | 0.0842% | 3,388 |
| Net operating income to assets | 0.7215% | 3,713 |
| Return on assets (ROA) | 0.7215% | 3,884 |
| Pretax return on assets | 0.9983% | 3,517 |
| Return on Equity (ROE) | 4.3826% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.3826% | 3,483 |
| Net charge-offs to loans | -0.0457% | 6,230 |
| Credit loss provision to net charge-offs | -304.8780% | 5,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5861% | 3,376 |
| Assets per employee ($millions) | 3.9800% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9084% | 274 |
| Loan loss allowance to noncurrent loans | 83.8424% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 3.9427% | 887 |
| Noncurrent loans to loans | 4.6616% | 737 |
| Net loans and leases to total assets | 57.6547% | 4,038 |
| Net loans and leases to deposits | 71.1994% | 3,561 |
| Net loans and leases to core deposits | 73.5402% | 3,865 |
| Total domestic deposits to total assets | 80.9764% | 5,345 |
| Equity capital to assets | 16.4990% | 468 |
| Core capital (leverage) ratio | 16.6147% | 406 |
| Tier 1 risk-based capital ratio | 25.4858% | 821 |
| Total risk-based capital ratio | 26.7656% | 801 |
| Memoranda: | ||
| Average total assets | $296,892,670 | 2,183 |
| Average earning assets | $262,953,000 | 2,243 |
| Average equity | $48,875,330 | 1,461 |
| Average total loans | $179,573,670 | 2,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,375 |
| Cost of funding earning assets | 0.4180% | 4,925 |
| Net interest margin | 3.5092% | 3,657 |
| Noninterest income to average assets | 0.8416% | 1,954 |
| Noninterest expense to average assets | 2.9356% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7363% | 3,503 |
| Return on assets (ROA) | 0.7363% | 3,639 |
| Pretax return on assets | 1.0132% | 3,290 |
| Return on Equity (ROE) | 4.4775% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.4775% | 3,548 |
| Net charge-offs to loans | -0.0801% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3414% | 3,205 |
| Assets per employee ($millions) | 4.0750% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8611% | 321 |
| Loan loss allowance to noncurrent loans | 127.3401% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 3.0409% | 1,468 |
| Noncurrent loans to loans | 3.0321% | 1,654 |
| Net loans and leases to total assets | 58.3023% | 3,743 |
| Net loans and leases to deposits | 72.2414% | 3,155 |
| Net loans and leases to core deposits | 74.4969% | 3,519 |
| Total domestic deposits to total assets | 80.7048% | 5,569 |
| Equity capital to assets | 16.6823% | 465 |
| Core capital (leverage) ratio | 16.6025% | 395 |
| Tier 1 risk-based capital ratio | 25.0831% | 877 |
| Total risk-based capital ratio | 26.3667% | 860 |
| Memoranda: | ||
| Average total assets | $296,087,500 | 2,213 |
| Average earning assets | $262,171,000 | 2,274 |
| Average equity | $48,688,000 | 1,486 |
| Average total loans | $179,810,000 | 2,217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 3,968 |
| Cost of funding earning assets | 0.5727% | 4,613 |
| Net interest margin | 3.7914% | 3,262 |
| Noninterest income to average assets | 0.8982% | 1,860 |
| Noninterest expense to average assets | 2.7243% | 4,308 |
| Loan and lease loss provision to assets | 0.4123% | 1,557 |
| Net operating income to assets | 0.7824% | 3,359 |
| Return on assets (ROA) | 0.7824% | 3,608 |
| Pretax return on assets | 1.0798% | 3,233 |
| Return on Equity (ROE) | 4.8576% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.8576% | 2,801 |
| Net charge-offs to loans | 0.7479% | 1,571 |
| Credit loss provision to net charge-offs | 88.5150% | 3,535 |
| Earnings coverage of net charge-offs (x) | 3.2034% | 3,829 |
| Efficiency ratio | 64.6113% | 4,772 |
| Assets per employee ($millions) | 4.2081% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7613% | 336 |
| Loan loss allowance to noncurrent loans | 93.2079% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 4.1469% | 1,020 |
| Noncurrent loans to loans | 4.0354% | 1,158 |
| Net loans and leases to total assets | 58.5246% | 3,878 |
| Net loans and leases to deposits | 73.3559% | 3,198 |
| Net loans and leases to core deposits | 76.3124% | 3,487 |
| Total domestic deposits to total assets | 79.7818% | 5,724 |
| Equity capital to assets | 16.2095% | 518 |
| Core capital (leverage) ratio | 15.9497% | 463 |
| Tier 1 risk-based capital ratio | 24.1469% | 953 |
| Total risk-based capital ratio | 25.4283% | 932 |
| Memoranda: | ||
| Average total assets | $293,474,600 | 2,181 |
| Average earning assets | $256,844,000 | 2,263 |
| Average equity | $47,266,200 | 1,478 |
| Average total loans | $182,769,800 | 2,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 4,187 |
| Cost of funding earning assets | 0.5897% | 4,748 |
| Net interest margin | 3.7744% | 3,445 |
| Noninterest income to average assets | 0.8110% | 2,189 |
| Noninterest expense to average assets | 2.7314% | 4,248 |
| Loan and lease loss provision to assets | 0.4226% | 1,508 |
| Net operating income to assets | 0.7110% | 3,869 |
| Return on assets (ROA) | 0.7110% | 4,103 |
| Pretax return on assets | 0.9547% | 3,896 |
| Return on Equity (ROE) | 4.4221% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.4221% | 3,782 |
| Net charge-offs to loans | 0.7998% | 1,375 |
| Credit loss provision to net charge-offs | 84.3352% | 3,489 |
| Earnings coverage of net charge-offs (x) | 2.7486% | 3,937 |
| Efficiency ratio | 66.4778% | 4,362 |
| Assets per employee ($millions) | 4.2838% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8370% | 351 |
| Loan loss allowance to noncurrent loans | 91.8148% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 5.1916% | 842 |
| Noncurrent loans to loans | 4.1790% | 1,189 |
| Net loans and leases to total assets | 56.9996% | 4,294 |
| Net loans and leases to deposits | 71.3337% | 3,697 |
| Net loans and leases to core deposits | 74.0726% | 3,968 |
| Total domestic deposits to total assets | 79.9056% | 5,677 |
| Equity capital to assets | 15.9270% | 618 |
| Core capital (leverage) ratio | 15.2330% | 572 |
| Tier 1 risk-based capital ratio | 22.8085% | 1,196 |
| Total risk-based capital ratio | 24.0869% | 1,177 |
| Memoranda: | ||
| Average total assets | $292,149,500 | 2,215 |
| Average earning assets | $255,256,750 | 2,295 |
| Average equity | $46,975,250 | 1,500 |
| Average total loans | $183,039,500 | 2,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 4,130 |
| Cost of funding earning assets | 0.6133% | 4,779 |
| Net interest margin | 3.7996% | 3,366 |
| Noninterest income to average assets | 0.7542% | 2,401 |
| Noninterest expense to average assets | 2.6825% | 4,489 |
| Loan and lease loss provision to assets | 0.4013% | 1,635 |
| Net operating income to assets | 0.7390% | 3,649 |
| Return on assets (ROA) | 0.7390% | 3,928 |
| Pretax return on assets | 0.9821% | 3,782 |
| Return on Equity (ROE) | 4.5811% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.5811% | 3,557 |
| Net charge-offs to loans | 0.6407% | 1,717 |
| Credit loss provision to net charge-offs | 98.1419% | 2,825 |
| Earnings coverage of net charge-offs (x) | 3.3834% | 3,390 |
| Efficiency ratio | 65.9759% | 4,539 |
| Assets per employee ($millions) | 3.9767% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8424% | 385 |
| Loan loss allowance to noncurrent loans | 82.9471% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 5.5384% | 804 |
| Noncurrent loans to loans | 4.6324% | 1,125 |
| Net loans and leases to total assets | 60.1716% | 3,784 |
| Net loans and leases to deposits | 75.5438% | 3,049 |
| Net loans and leases to core deposits | 78.1836% | 3,485 |
| Total domestic deposits to total assets | 79.6513% | 5,829 |
| Equity capital to assets | 16.2860% | 536 |
| Core capital (leverage) ratio | 15.2157% | 559 |
| Tier 1 risk-based capital ratio | 22.2302% | 1,248 |
| Total risk-based capital ratio | 23.5087% | 1,224 |
| Memoranda: | ||
| Average total assets | $289,576,330 | 2,234 |
| Average earning assets | $252,392,330 | 2,335 |
| Average equity | $46,713,670 | 1,495 |
| Average total loans | $184,804,670 | 2,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 4,412 |
| Cost of funding earning assets | 0.6336% | 4,861 |
| Net interest margin | 3.7447% | 3,617 |
| Noninterest income to average assets | 0.9543% | 1,550 |
| Noninterest expense to average assets | 2.7633% | 4,188 |
| Loan and lease loss provision to assets | 0.8036% | 613 |
| Net operating income to assets | 0.5339% | 4,677 |
| Return on assets (ROA) | 0.5339% | 4,885 |
| Pretax return on assets | 0.6569% | 4,920 |
| Return on Equity (ROE) | 3.3253% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.3253% | 4,567 |
| Net charge-offs to loans | 0.7662% | 1,338 |
| Credit loss provision to net charge-offs | 162.7451% | 1,563 |
| Earnings coverage of net charge-offs (x) | 2.9580% | 3,002 |
| Efficiency ratio | 65.4224% | 4,666 |
| Assets per employee ($millions) | 4.1410% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9167% | 396 |
| Loan loss allowance to noncurrent loans | 67.4110% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 6.1072% | 761 |
| Noncurrent loans to loans | 5.8102% | 888 |
| Net loans and leases to total assets | 61.0607% | 3,436 |
| Net loans and leases to deposits | 76.7077% | 2,705 |
| Net loans and leases to core deposits | 79.8142% | 3,093 |
| Total domestic deposits to total assets | 79.6018% | 5,945 |
| Equity capital to assets | 16.0817% | 564 |
| Core capital (leverage) ratio | 15.3330% | 553 |
| Tier 1 risk-based capital ratio | 21.7182% | 1,331 |
| Total risk-based capital ratio | 22.9974% | 1,302 |
| Memoranda: | ||
| Average total assets | $289,215,500 | 2,247 |
| Average earning assets | $252,515,500 | 2,346 |
| Average equity | $46,431,500 | 1,501 |
| Average total loans | $186,378,500 | 2,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 5,209 |
| Cost of funding earning assets | 0.7403% | 5,277 |
| Net interest margin | 3.7227% | 4,191 |
| Noninterest income to average assets | 0.7499% | 2,339 |
| Noninterest expense to average assets | 2.5629% | 5,237 |
| Loan and lease loss provision to assets | 1.1310% | 800 |
| Net operating income to assets | 0.3420% | 5,102 |
| Return on assets (ROA) | 0.3420% | 5,259 |
| Pretax return on assets | 0.3351% | 5,459 |
| Return on Equity (ROE) | 2.1615% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.1615% | 4,678 |
| Net charge-offs to loans | 4.0825% | 146 |
| Credit loss provision to net charge-offs | 40.5621% | 5,616 |
| Earnings coverage of net charge-offs (x) | 0.5258% | 5,431 |
| Efficiency ratio | 63.6120% | 5,192 |
| Assets per employee ($millions) | 4.0078% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7084% | 463 |
| Loan loss allowance to noncurrent loans | 49.0357% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 7.5079% | 583 |
| Noncurrent loans to loans | 7.5626% | 550 |
| Net loans and leases to total assets | 62.9168% | 3,428 |
| Net loans and leases to deposits | 78.8097% | 2,709 |
| Net loans and leases to core deposits | 82.3128% | 3,134 |
| Total domestic deposits to total assets | 79.8338% | 5,783 |
| Equity capital to assets | 16.0267% | 573 |
| Core capital (leverage) ratio | 15.0985% | 586 |
| Tier 1 risk-based capital ratio | 21.0575% | 1,398 |
| Total risk-based capital ratio | 22.3345% | 1,370 |
| Memoranda: | ||
| Average total assets | $287,093,000 | 2,217 |
| Average earning assets | $252,884,200 | 2,283 |
| Average equity | $45,431,400 | 1,498 |
| Average total loans | $196,082,600 | 2,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 5,407 |
| Cost of funding earning assets | 0.7603% | 5,402 |
| Net interest margin | 3.6957% | 4,351 |
| Noninterest income to average assets | 0.7584% | 2,269 |
| Noninterest expense to average assets | 2.6961% | 4,742 |
| Loan and lease loss provision to assets | 0.8854% | 1,023 |
| Net operating income to assets | 0.3948% | 5,026 |
| Return on assets (ROA) | 0.3948% | 5,205 |
| Pretax return on assets | 0.4408% | 5,340 |
| Return on Equity (ROE) | 2.5028% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.5028% | 4,869 |
| Net charge-offs to loans | 4.1353% | 149 |
| Credit loss provision to net charge-offs | 31.0098% | 5,399 |
| Earnings coverage of net charge-offs (x) | 0.4645% | 5,277 |
| Efficiency ratio | 67.0289% | 4,514 |
| Assets per employee ($millions) | 3.8963% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9295% | 414 |
| Loan loss allowance to noncurrent loans | 43.6150% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 7.1457% | 682 |
| Noncurrent loans to loans | 9.0096% | 434 |
| Net loans and leases to total assets | 63.7138% | 3,363 |
| Net loans and leases to deposits | 79.9151% | 2,665 |
| Net loans and leases to core deposits | 83.8984% | 3,077 |
| Total domestic deposits to total assets | 79.7268% | 5,822 |
| Equity capital to assets | 15.8553% | 656 |
| Core capital (leverage) ratio | 14.9161% | 686 |
| Tier 1 risk-based capital ratio | 21.0510% | 1,442 |
| Total risk-based capital ratio | 22.3322% | 1,416 |
| Memoranda: | ||
| Average total assets | $286,725,750 | 2,226 |
| Average earning assets | $253,225,250 | 2,291 |
| Average equity | $45,227,500 | 1,506 |
| Average total loans | $197,966,750 | 2,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 5,474 |
| Cost of funding earning assets | 0.7920% | 5,435 |
| Net interest margin | 3.6715% | 4,402 |
| Noninterest income to average assets | 0.6394% | 2,901 |
| Noninterest expense to average assets | 2.5046% | 5,517 |
| Loan and lease loss provision to assets | 0.9267% | 957 |
| Net operating income to assets | 0.4109% | 4,891 |
| Return on assets (ROA) | 0.4109% | 5,050 |
| Pretax return on assets | 0.4445% | 5,247 |
| Return on Equity (ROE) | 2.6096% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,633 |
| Net charge-offs to loans | 5.0995% | 115 |
| Credit loss provision to net charge-offs | 25.9745% | 5,045 |
| Earnings coverage of net charge-offs (x) | 0.3843% | 5,020 |
| Efficiency ratio | 64.6232% | 5,127 |
| Assets per employee ($millions) | 3.9056% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2077% | 356 |
| Loan loss allowance to noncurrent loans | 37.6304% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 9.1855% | 454 |
| Noncurrent loans to loans | 11.1818% | 307 |
| Net loans and leases to total assets | 64.5396% | 3,352 |
| Net loans and leases to deposits | 81.3049% | 2,555 |
| Net loans and leases to core deposits | 85.7475% | 2,943 |
| Total domestic deposits to total assets | 79.3797% | 5,986 |
| Equity capital to assets | 16.1470% | 595 |
| Core capital (leverage) ratio | 14.9286% | 678 |
| Tier 1 risk-based capital ratio | 20.9229% | 1,437 |
| Total risk-based capital ratio | 22.2082% | 1,405 |
| Memoranda: | ||
| Average total assets | $286,192,000 | 2,240 |
| Average earning assets | $252,269,670 | 2,311 |
| Average equity | $45,065,000 | 1,494 |
| Average total loans | $200,216,330 | 2,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 5,778 |
| Cost of funding earning assets | 0.8155% | 5,497 |
| Net interest margin | 3.5574% | 4,779 |
| Noninterest income to average assets | 0.8050% | 2,012 |
| Noninterest expense to average assets | 2.5689% | 5,332 |
| Loan and lease loss provision to assets | 0.5542% | 1,561 |
| Net operating income to assets | 0.6554% | 3,723 |
| Return on assets (ROA) | 0.6554% | 3,798 |
| Pretax return on assets | 0.8189% | 3,835 |
| Return on Equity (ROE) | 4.2143% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.2143% | 3,636 |
| Net charge-offs to loans | 5.4321% | 132 |
| Credit loss provision to net charge-offs | 14.3266% | 4,339 |
| Earnings coverage of net charge-offs (x) | 0.3549% | 4,347 |
| Efficiency ratio | 65.1670% | 5,171 |
| Assets per employee ($millions) | 3.9923% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6615% | 251 |
| Loan loss allowance to noncurrent loans | 33.0730% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 12.1456% | 258 |
| Noncurrent loans to loans | 14.0947% | 180 |
| Net loans and leases to total assets | 66.5906% | 2,863 |
| Net loans and leases to deposits | 83.2689% | 2,142 |
| Net loans and leases to core deposits | 87.4706% | 2,673 |
| Total domestic deposits to total assets | 79.9705% | 5,958 |
| Equity capital to assets | 15.7115% | 624 |
| Core capital (leverage) ratio | 14.9834% | 673 |
| Tier 1 risk-based capital ratio | 19.7869% | 1,631 |
| Total risk-based capital ratio | 21.0652% | 1,601 |
| Memoranda: | ||
| Average total assets | $288,686,000 | 2,244 |
| Average earning assets | $254,570,000 | 2,318 |
| Average equity | $44,894,500 | 1,494 |
| Average total loans | $205,594,500 | 2,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 6,188 |
| Cost of funding earning assets | 0.9647% | 5,869 |
| Net interest margin | 3.6076% | 4,788 |
| Noninterest income to average assets | 0.7398% | 2,595 |
| Noninterest expense to average assets | 2.3149% | 6,314 |
| Loan and lease loss provision to assets | 5.6138% | 51 |
| Net operating income to assets | -2.4453% | 7,164 |
| Return on assets (ROA) | -2.4453% | 7,179 |
| Pretax return on assets | -3.9201% | 7,429 |
| Return on Equity (ROE) | -14.1102% | 6,887 |
| Retained earnings to average equity (ytd only) | -15.7741% | 6,911 |
| Net charge-offs to loans | 4.2315% | 276 |
| Credit loss provision to net charge-offs | 180.5721% | 1,830 |
| Earnings coverage of net charge-offs (x) | 0.5448% | 5,565 |
| Efficiency ratio | 57.7479% | 6,369 |
| Assets per employee ($millions) | 4.0835% | 3,613 |
| Cash dividends to net income (ytd only)* | -11.7923% | 7,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5841% | 134 |
| Loan loss allowance to noncurrent loans | 39.3793% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 11.1359% | 337 |
| Noncurrent loans to loans | 14.1803% | 192 |
| Net loans and leases to total assets | 68.5237% | 2,857 |
| Net loans and leases to deposits | 85.1797% | 2,241 |
| Net loans and leases to core deposits | 89.4244% | 2,839 |
| Total domestic deposits to total assets | 80.4460% | 5,706 |
| Equity capital to assets | 15.3925% | 700 |
| Core capital (leverage) ratio | 13.9021% | 862 |
| Tier 1 risk-based capital ratio | 18.7013% | 1,788 |
| Total risk-based capital ratio | 19.9920% | 1,748 |
| Memoranda: | ||
| Average total assets | $296,856,400 | 2,169 |
| Average earning assets | $268,991,200 | 2,188 |
| Average equity | $51,445,000 | 1,296 |
| Average total loans | $218,100,600 | 1,984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 6,413 |
| Cost of funding earning assets | 0.9815% | 6,028 |
| Net interest margin | 3.5913% | 4,914 |
| Noninterest income to average assets | 0.7265% | 2,666 |
| Noninterest expense to average assets | 2.2501% | 6,465 |
| Loan and lease loss provision to assets | 2.5046% | 419 |
| Net operating income to assets | -0.4729% | 6,574 |
| Return on assets (ROA) | -0.4729% | 6,616 |
| Pretax return on assets | -0.7622% | 6,713 |
| Return on Equity (ROE) | -2.6566% | 6,466 |
| Retained earnings to average equity (ytd only) | -4.8039% | 6,543 |
| Net charge-offs to loans | 2.6742% | 608 |
| Credit loss provision to net charge-offs | 127.1017% | 3,205 |
| Earnings coverage of net charge-offs (x) | 0.8842% | 5,162 |
| Efficiency ratio | 53.3721% | 6,850 |
| Assets per employee ($millions) | 4.3524% | 3,161 |
| Cash dividends to net income (ytd only)* | -80.8309% | 7,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5692% | 1,244 |
| Loan loss allowance to noncurrent loans | 18.2993% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 10.7021% | 346 |
| Noncurrent loans to loans | 14.0400% | 186 |
| Net loans and leases to total assets | 68.5708% | 3,079 |
| Net loans and leases to deposits | 86.8192% | 2,180 |
| Net loans and leases to core deposits | 90.9706% | 2,958 |
| Total domestic deposits to total assets | 78.9811% | 6,024 |
| Equity capital to assets | 17.0549% | 512 |
| Core capital (leverage) ratio | 16.6804% | 468 |
| Tier 1 risk-based capital ratio | 22.0339% | 1,202 |
| Total risk-based capital ratio | 23.2985% | 1,171 |
| Memoranda: | ||
| Average total assets | $298,589,000 | 2,194 |
| Average earning assets | $271,539,500 | 2,202 |
| Average equity | $53,149,500 | 1,263 |
| Average total loans | $220,021,250 | 1,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 6,359 |
| Cost of funding earning assets | 0.9914% | 6,186 |
| Net interest margin | 3.6425% | 4,619 |
| Noninterest income to average assets | 0.7162% | 2,612 |
| Noninterest expense to average assets | 2.1702% | 6,718 |
| Loan and lease loss provision to assets | 2.3415% | 495 |
| Net operating income to assets | -0.3332% | 6,511 |
| Return on assets (ROA) | -0.3332% | 6,549 |
| Pretax return on assets | -0.4802% | 6,571 |
| Return on Equity (ROE) | -1.8452% | 6,407 |
| Retained earnings to average equity (ytd only) | -5.0424% | 6,558 |
| Net charge-offs to loans | 2.0425% | 889 |
| Credit loss provision to net charge-offs | 153.2215% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.2180% | 4,590 |
| Efficiency ratio | 50.8531% | 7,164 |
| Assets per employee ($millions) | 4.4598% | 2,943 |
| Cash dividends to net income (ytd only)* | -173.2794% | 7,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5082% | 1,289 |
| Loan loss allowance to noncurrent loans | 17.4404% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 10.8911% | 333 |
| Noncurrent loans to loans | 14.3816% | 189 |
| Net loans and leases to total assets | 70.7360% | 2,734 |
| Net loans and leases to deposits | 89.8234% | 1,888 |
| Net loans and leases to core deposits | 94.4743% | 2,646 |
| Total domestic deposits to total assets | 78.7501% | 6,102 |
| Equity capital to assets | 17.2795% | 492 |
| Core capital (leverage) ratio | 17.1686% | 420 |
| Tier 1 risk-based capital ratio | 22.5130% | 1,121 |
| Total risk-based capital ratio | 23.7750% | 1,102 |
| Memoranda: | ||
| Average total assets | $296,562,330 | 2,218 |
| Average earning assets | $269,925,000 | 2,229 |
| Average equity | $53,545,670 | 1,241 |
| Average total loans | $221,887,330 | 2,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 6,001 |
| Cost of funding earning assets | 1.0021% | 6,368 |
| Net interest margin | 3.7673% | 3,927 |
| Noninterest income to average assets | 0.7039% | 2,569 |
| Noninterest expense to average assets | 2.1118% | 6,906 |
| Loan and lease loss provision to assets | 0.5457% | 2,318 |
| Net operating income to assets | 1.0600% | 1,962 |
| Return on assets (ROA) | 1.0600% | 2,033 |
| Pretax return on assets | 1.4774% | 1,578 |
| Return on Equity (ROE) | 5.7431% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.7431% | 2,744 |
| Net charge-offs to loans | 0.4003% | 2,842 |
| Credit loss provision to net charge-offs | 179.3722% | 2,038 |
| Earnings coverage of net charge-offs (x) | 6.6502% | 2,191 |
| Efficiency ratio | 48.1359% | 7,430 |
| Assets per employee ($millions) | 4.4580% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,148 |
| Loan loss allowance to noncurrent loans | 14.6388% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 10.8949% | 340 |
| Noncurrent loans to loans | 13.7562% | 221 |
| Net loans and leases to total assets | 74.2547% | 1,918 |
| Net loans and leases to deposits | 96.0208% | 1,102 |
| Net loans and leases to core deposits | 113.3460% | 1,070 |
| Total domestic deposits to total assets | 77.3319% | 6,484 |
| Equity capital to assets | 18.5410% | 372 |
| Core capital (leverage) ratio | 18.2650% | 358 |
| Tier 1 risk-based capital ratio | 23.3340% | 1,028 |
| Total risk-based capital ratio | 24.5749% | 1,011 |
| Memoranda: | ||
| Average total assets | $293,210,000 | 2,289 |
| Average earning assets | $267,036,000 | 2,304 |
| Average equity | $54,117,000 | 1,234 |
| Average total loans | $222,812,000 | 2,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 5,343 |
| Cost of funding earning assets | 1.2271% | 6,563 |
| Net interest margin | 4.0387% | 2,700 |
| Noninterest income to average assets | 0.6464% | 3,316 |
| Noninterest expense to average assets | 2.1207% | 7,142 |
| Loan and lease loss provision to assets | 0.9585% | 2,361 |
| Net operating income to assets | 1.0277% | 1,752 |
| Return on assets (ROA) | 1.0277% | 1,796 |
| Pretax return on assets | 1.2588% | 1,812 |
| Return on Equity (ROE) | 5.7618% | 3,307 |
| Retained earnings to average equity (ytd only) | 2.6186% | 3,312 |
| Net charge-offs to loans | 1.0892% | 2,241 |
| Credit loss provision to net charge-offs | 113.8387% | 4,813 |
| Earnings coverage of net charge-offs (x) | 2.6334% | 3,801 |
| Efficiency ratio | 46.1071% | 7,707 |
| Assets per employee ($millions) | 4.0582% | 3,697 |
| Cash dividends to net income (ytd only)* | 54.5514% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 2,176 |
| Loan loss allowance to noncurrent loans | 51.8327% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.3057% | 2,072 |
| Noncurrent loans to loans | 3.7372% | 2,011 |
| Net loans and leases to total assets | 74.7258% | 2,092 |
| Net loans and leases to deposits | 96.7789% | 1,229 |
| Net loans and leases to core deposits | 120.6416% | 1,906 |
| Total domestic deposits to total assets | 77.2129% | 6,411 |
| Equity capital to assets | 18.3719% | 421 |
| Core capital (leverage) ratio | 17.8762% | 416 |
| Tier 1 risk-based capital ratio | 22.8321% | 1,059 |
| Total risk-based capital ratio | 24.0925% | 1,033 |
| Memoranda: | ||
| Average total assets | $296,084,000 | 2,239 |
| Average earning assets | $270,633,200 | 2,234 |
| Average equity | $52,813,800 | 1,250 |
| Average total loans | $228,885,000 | 2,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 5,401 |
| Cost of funding earning assets | 1.2651% | 6,671 |
| Net interest margin | 4.0389% | 2,640 |
| Noninterest income to average assets | 0.7307% | 2,822 |
| Noninterest expense to average assets | 2.1625% | 7,072 |
| Loan and lease loss provision to assets | 1.2285% | 1,581 |
| Net operating income to assets | 0.7935% | 2,845 |
| Return on assets (ROA) | 0.7935% | 2,905 |
| Pretax return on assets | 1.0368% | 2,787 |
| Return on Equity (ROE) | 4.4818% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.3575% | 4,007 |
| Net charge-offs to loans | 0.0214% | 6,598 |
| Credit loss provision to net charge-offs | 7,397.2973% | 50 |
| Earnings coverage of net charge-offs (x) | 136.4113% | 281 |
| Efficiency ratio | 46.1328% | 7,762 |
| Assets per employee ($millions) | 4.1614% | 3,441 |
| Cash dividends to net income (ytd only)* | 47.3985% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 685 |
| Loan loss allowance to noncurrent loans | 110.0132% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 2.5379% | 2,737 |
| Noncurrent loans to loans | 2.6884% | 2,822 |
| Net loans and leases to total assets | 73.0316% | 2,784 |
| Net loans and leases to deposits | 93.4748% | 1,969 |
| Net loans and leases to core deposits | 115.9307% | 2,631 |
| Total domestic deposits to total assets | 78.1297% | 6,046 |
| Equity capital to assets | 17.7845% | 529 |
| Core capital (leverage) ratio | 17.6027% | 489 |
| Tier 1 risk-based capital ratio | 23.4148% | 1,060 |
| Total risk-based capital ratio | 24.6898% | 1,034 |
| Memoranda: | ||
| Average total assets | $297,057,250 | 2,246 |
| Average earning assets | $271,916,250 | 2,245 |
| Average equity | $52,597,000 | 1,279 |
| Average total loans | $230,442,500 | 2,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 5,132 |
| Cost of funding earning assets | 1.3112% | 6,770 |
| Net interest margin | 4.0930% | 2,345 |
| Noninterest income to average assets | 0.6583% | 3,280 |
| Noninterest expense to average assets | 2.1371% | 7,195 |
| Loan and lease loss provision to assets | 1.3416% | 1,288 |
| Net operating income to assets | 0.6475% | 3,475 |
| Return on assets (ROA) | 0.6475% | 3,582 |
| Pretax return on assets | 0.9230% | 3,265 |
| Return on Equity (ROE) | 3.6626% | 4,638 |
| Retained earnings to average equity (ytd only) | 0.4621% | 5,029 |
| Net charge-offs to loans | 0.0215% | 6,198 |
| Credit loss provision to net charge-offs | 7,948.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 134.1600% | 295 |
| Efficiency ratio | 45.8199% | 7,861 |
| Assets per employee ($millions) | 4.2874% | 3,140 |
| Cash dividends to net income (ytd only)* | 87.3827% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5814% | 838 |
| Loan loss allowance to noncurrent loans | 77.9750% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 2.5708% | 2,509 |
| Noncurrent loans to loans | 3.3105% | 2,128 |
| Net loans and leases to total assets | 75.6497% | 2,272 |
| Net loans and leases to deposits | 96.8537% | 1,676 |
| Net loans and leases to core deposits | 120.1264% | 2,362 |
| Total domestic deposits to total assets | 78.1072% | 6,047 |
| Equity capital to assets | 17.6521% | 587 |
| Core capital (leverage) ratio | 17.3885% | 570 |
| Tier 1 risk-based capital ratio | 22.0856% | 1,241 |
| Total risk-based capital ratio | 23.3568% | 1,208 |
| Memoranda: | ||
| Average total assets | $296,202,670 | 2,278 |
| Average earning assets | $270,902,330 | 2,276 |
| Average equity | $52,367,330 | 1,295 |
| Average total loans | $232,094,330 | 2,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 4,932 |
| Cost of funding earning assets | 1.3969% | 6,743 |
| Net interest margin | 4.0992% | 2,270 |
| Noninterest income to average assets | 0.6721% | 3,057 |
| Noninterest expense to average assets | 2.0379% | 7,260 |
| Loan and lease loss provision to assets | 1.3496% | 948 |
| Net operating income to assets | 0.8273% | 3,016 |
| Return on assets (ROA) | 0.8273% | 3,166 |
| Pretax return on assets | 1.0351% | 3,226 |
| Return on Equity (ROE) | 4.6757% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.5613% | 3,395 |
| Net charge-offs to loans | 0.0086% | 5,536 |
| Credit loss provision to net charge-offs | 20,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 353.4000% | 103 |
| Efficiency ratio | 43.3628% | 7,953 |
| Assets per employee ($millions) | 4.1746% | 3,308 |
| Cash dividends to net income (ytd only)* | 2.4470% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1390% | 1,165 |
| Loan loss allowance to noncurrent loans | 91.6205% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 3,176 |
| Noncurrent loans to loans | 2.3346% | 2,818 |
| Net loans and leases to total assets | 76.6237% | 2,136 |
| Net loans and leases to deposits | 98.0677% | 1,658 |
| Net loans and leases to core deposits | 121.0909% | 2,323 |
| Total domestic deposits to total assets | 78.1335% | 5,964 |
| Equity capital to assets | 17.8199% | 625 |
| Core capital (leverage) ratio | 17.5268% | 601 |
| Tier 1 risk-based capital ratio | 22.0324% | 1,300 |
| Total risk-based capital ratio | 23.2979% | 1,267 |
| Memoranda: | ||
| Average total assets | $296,390,000 | 2,293 |
| Average earning assets | $271,176,500 | 2,281 |
| Average equity | $52,441,000 | 1,303 |
| Average total loans | $233,280,000 | 2,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2386% | 4,309 |
| Cost of funding earning assets | 1.8272% | 6,935 |
| Net interest margin | 4.4114% | 1,658 |
| Noninterest income to average assets | 0.7085% | 3,067 |
| Noninterest expense to average assets | 2.2153% | 6,929 |
| Loan and lease loss provision to assets | 0.5475% | 2,629 |
| Net operating income to assets | 1.3499% | 1,344 |
| Return on assets (ROA) | 1.3499% | 1,304 |
| Pretax return on assets | 1.9857% | 628 |
| Return on Equity (ROE) | 7.9272% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.3748% | 2,397 |
| Net charge-offs to loans | 0.0404% | 6,217 |
| Credit loss provision to net charge-offs | 1,774.1935% | 246 |
| Earnings coverage of net charge-offs (x) | 82.0860% | 509 |
| Efficiency ratio | 44.1579% | 8,007 |
| Assets per employee ($millions) | 4.3585% | 2,866 |
| Cash dividends to net income (ytd only)* | 44.8132% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 1,934 |
| Loan loss allowance to noncurrent loans | 79.3007% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.6887% | 2,879 |
| Noncurrent loans to loans | 2.1345% | 2,589 |
| Net loans and leases to total assets | 77.7766% | 2,199 |
| Net loans and leases to deposits | 99.7180% | 1,857 |
| Net loans and leases to core deposits | 124.9207% | 2,258 |
| Total domestic deposits to total assets | 77.9966% | 5,713 |
| Equity capital to assets | 17.5666% | 710 |
| Core capital (leverage) ratio | 16.9527% | 704 |
| Tier 1 risk-based capital ratio | 21.4289% | 1,405 |
| Total risk-based capital ratio | 22.6877% | 1,366 |
| Memoranda: | ||
| Average total assets | $301,352,800 | 2,199 |
| Average earning assets | $275,990,600 | 2,194 |
| Average equity | $51,317,200 | 1,313 |
| Average total loans | $230,177,000 | 2,045 |