Home > The Okemah National Bank > Performance and Condition Ratios
The Okemah National Bank, Performance and Condition Ratios
| 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 | 5.5358% | 1,166 |
| Cost of funding earning assets | 0.6503% | 6,029 |
| Net interest margin | 4.8855% | 528 |
| Noninterest income to average assets | 0.8893% | 1,687 |
| Noninterest expense to average assets | 3.4415% | 2,097 |
| Loan and lease loss provision to assets | 0.1920% | 4,103 |
| Net operating income to assets | 0.9433% | 2,559 |
| Return on assets (ROA) | 0.9433% | 2,717 |
| Pretax return on assets | 1.2193% | 2,564 |
| Return on Equity (ROE) | 5.5638% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.5638% | 2,813 |
| Net charge-offs to loans | 0.0777% | 5,192 |
| Credit loss provision to net charge-offs | 572.2222% | 478 |
| Earnings coverage of net charge-offs (x) | 42.0546% | 745 |
| Efficiency ratio | 69.0741% | 4,112 |
| Assets per employee ($millions) | 3.5194% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2786% | 7,298 |
| Loan loss allowance to noncurrent loans | 69.6721% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 6,616 |
| Noncurrent loans to loans | 0.3999% | 6,052 |
| Net loans and leases to total assets | 43.2210% | 6,407 |
| Net loans and leases to deposits | 54.4963% | 6,166 |
| Net loans and leases to core deposits | 55.8038% | 6,333 |
| Total domestic deposits to total assets | 79.3101% | 5,915 |
| Equity capital to assets | 18.1085% | 376 |
| Core capital (leverage) ratio | 14.8828% | 689 |
| Tier 1 risk-based capital ratio | 29.6631% | 560 |
| Total risk-based capital ratio | 29.9092% | 605 |
| Memoranda: | ||
| Average total assets | $71,516,750 | 5,742 |
| Average earning assets | $58,021,000 | 5,977 |
| Average equity | $12,125,750 | 4,532 |
| Average total loans | $30,877,750 | 6,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 946 |
| Cost of funding earning assets | 0.6708% | 6,120 |
| Net interest margin | 4.9881% | 405 |
| Noninterest income to average assets | 0.9069% | 1,628 |
| Noninterest expense to average assets | 3.4496% | 2,118 |
| Loan and lease loss provision to assets | 0.2198% | 3,721 |
| Net operating income to assets | 0.9403% | 2,479 |
| Return on assets (ROA) | 0.9403% | 2,575 |
| Pretax return on assets | 1.2713% | 2,238 |
| Return on Equity (ROE) | 5.6716% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.6716% | 2,609 |
| Net charge-offs to loans | 0.1032% | 4,654 |
| Credit loss provision to net charge-offs | 493.7500% | 626 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 854 |
| Efficiency ratio | 68.0180% | 4,510 |
| Assets per employee ($millions) | 3.5319% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2036% | 7,390 |
| Loan loss allowance to noncurrent loans | 84.0000% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,832 |
| Noncurrent loans to loans | 0.2423% | 6,436 |
| Net loans and leases to total assets | 43.7215% | 6,459 |
| Net loans and leases to deposits | 54.4855% | 6,273 |
| Net loans and leases to core deposits | 55.8451% | 6,426 |
| Total domestic deposits to total assets | 80.2443% | 5,754 |
| Equity capital to assets | 17.3009% | 453 |
| Core capital (leverage) ratio | 14.6062% | 741 |
| Tier 1 risk-based capital ratio | 27.9626% | 657 |
| Total risk-based capital ratio | 28.1427% | 719 |
| Memoranda: | ||
| Average total assets | $71,893,330 | 5,784 |
| Average earning assets | $58,138,670 | 6,020 |
| Average equity | $11,919,000 | 4,576 |
| Average total loans | $31,001,330 | 6,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 1,211 |
| Cost of funding earning assets | 0.6929% | 6,174 |
| Net interest margin | 4.8434% | 521 |
| Noninterest income to average assets | 0.9211% | 1,583 |
| Noninterest expense to average assets | 3.4197% | 2,226 |
| Loan and lease loss provision to assets | 0.1820% | 3,795 |
| Net operating income to assets | 0.8384% | 2,837 |
| Return on assets (ROA) | 0.8384% | 2,898 |
| Pretax return on assets | 1.1748% | 2,465 |
| Return on Equity (ROE) | 5.1666% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.1666% | 3,079 |
| Net charge-offs to loans | 0.1805% | 3,409 |
| Credit loss provision to net charge-offs | 235.7143% | 1,307 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,220 |
| Efficiency ratio | 69.7460% | 4,327 |
| Assets per employee ($millions) | 3.0983% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0621% | 7,487 |
| Loan loss allowance to noncurrent loans | 23.4568% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 6,883 |
| Noncurrent loans to loans | 0.2646% | 6,457 |
| Net loans and leases to total assets | 42.9295% | 6,547 |
| Net loans and leases to deposits | 53.0476% | 6,383 |
| Net loans and leases to core deposits | 54.3481% | 6,529 |
| Total domestic deposits to total assets | 80.9265% | 5,682 |
| Equity capital to assets | 16.6894% | 480 |
| Core capital (leverage) ratio | 14.1869% | 812 |
| Tier 1 risk-based capital ratio | 27.7935% | 648 |
| Total risk-based capital ratio | 27.8477% | 723 |
| Memoranda: | ||
| Average total assets | $72,521,000 | 5,805 |
| Average earning assets | $57,728,000 | 6,076 |
| Average equity | $11,768,000 | 4,608 |
| Average total loans | $31,028,500 | 6,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2424% | 7,635 |
| Cost of funding earning assets | 0.0344% | 7,613 |
| Net interest margin | 0.2080% | 7,628 |
| Noninterest income to average assets | 0.0516% | 7,094 |
| Noninterest expense to average assets | 0.1406% | 7,641 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0502% | 5,696 |
| Return on assets (ROA) | 0.0502% | 5,842 |
| Pretax return on assets | 0.0846% | 5,729 |
| Return on Equity (ROE) | 0.3772% | 5,860 |
| Retained earnings to average equity (ytd only) | 0.3772% | 5,390 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5096% | 5,964 |
| Assets per employee ($millions) | 3.5134% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 6,037 |
| Noncurrent loans to loans | 1.1639% | 4,776 |
| Net loans and leases to total assets | 42.6207% | 6,814 |
| Net loans and leases to deposits | 51.8825% | 6,754 |
| Net loans and leases to core deposits | 56.0235% | 6,692 |
| Total domestic deposits to total assets | 82.1485% | 5,140 |
| Equity capital to assets | 15.7805% | 624 |
| Core capital (leverage) ratio | 13.7845% | 903 |
| Tier 1 risk-based capital ratio | 25.9128% | 763 |
| Total risk-based capital ratio | 25.9128% | 857 |
| Memoranda: | ||
| Average total assets | $69,710,000 | 5,901 |
| Average earning assets | $58,173,400 | 6,058 |
| Average equity | $9,278,000 | 5,335 |
| Average total loans | $31,868,200 | 6,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 1,044 |
| Cost of funding earning assets | 0.8173% | 6,701 |
| Net interest margin | 5.1275% | 334 |
| Noninterest income to average assets | 1.0326% | 1,360 |
| Noninterest expense to average assets | 3.6296% | 1,719 |
| Loan and lease loss provision to assets | 0.0582% | 6,485 |
| Net operating income to assets | 1.7042% | 617 |
| Return on assets (ROA) | 1.7935% | 561 |
| Pretax return on assets | 1.7935% | 934 |
| Return on Equity (ROE) | 14.1822% | 992 |
| Retained earnings to average equity (ytd only) | 8.0427% | 1,408 |
| Net charge-offs to loans | 0.0792% | 5,732 |
| Credit loss provision to net charge-offs | 157.8947% | 2,419 |
| Earnings coverage of net charge-offs (x) | 47.7947% | 587 |
| Efficiency ratio | 67.3146% | 4,605 |
| Assets per employee ($millions) | 2.7818% | 6,624 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,574 |
| Loan loss allowance to noncurrent loans | 126.5664% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 6,004 |
| Noncurrent loans to loans | 1.2543% | 4,758 |
| Net loans and leases to total assets | 45.0161% | 6,772 |
| Net loans and leases to deposits | 53.5310% | 6,797 |
| Net loans and leases to core deposits | 57.9719% | 6,726 |
| Total domestic deposits to total assets | 84.0935% | 4,068 |
| Equity capital to assets | 13.2851% | 1,454 |
| Core capital (leverage) ratio | 11.8173% | 1,755 |
| Tier 1 risk-based capital ratio | 23.8702% | 963 |
| Total risk-based capital ratio | 25.1223% | 937 |
| Memoranda: | ||
| Average total assets | $68,692,250 | 5,985 |
| Average earning assets | $58,402,250 | 6,113 |
| Average equity | $8,686,750 | 5,580 |
| Average total loans | $31,973,750 | 6,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0323% | 869 |
| Cost of funding earning assets | 0.8232% | 6,839 |
| Net interest margin | 5.2091% | 277 |
| Noninterest income to average assets | 1.0291% | 1,285 |
| Noninterest expense to average assets | 3.5785% | 1,836 |
| Loan and lease loss provision to assets | 0.0439% | 6,534 |
| Net operating income to assets | 1.8097% | 479 |
| Return on assets (ROA) | 1.8097% | 519 |
| Pretax return on assets | 1.8097% | 872 |
| Return on Equity (ROE) | 14.5601% | 933 |
| Retained earnings to average equity (ytd only) | 5.1513% | 2,816 |
| Net charge-offs to loans | 0.0749% | 5,396 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 52.8333% | 562 |
| Efficiency ratio | 65.8773% | 5,003 |
| Assets per employee ($millions) | 2.8017% | 6,570 |
| Cash dividends to net income (ytd only)* | 64.6204% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,605 |
| Loan loss allowance to noncurrent loans | 162.9508% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 6,245 |
| Noncurrent loans to loans | 0.9611% | 5,384 |
| Net loans and leases to total assets | 44.5983% | 6,881 |
| Net loans and leases to deposits | 52.4938% | 6,949 |
| Net loans and leases to core deposits | 56.3781% | 6,922 |
| Total domestic deposits to total assets | 84.9592% | 3,652 |
| Equity capital to assets | 12.3952% | 1,868 |
| Core capital (leverage) ratio | 11.6545% | 1,835 |
| Tier 1 risk-based capital ratio | 23.5128% | 993 |
| Total risk-based capital ratio | 24.7667% | 975 |
| Memoranda: | ||
| Average total assets | $68,408,330 | 6,017 |
| Average earning assets | $57,822,330 | 6,175 |
| Average equity | $8,502,670 | 5,636 |
| Average total loans | $32,028,000 | 6,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0680% | 843 |
| Cost of funding earning assets | 0.8230% | 7,022 |
| Net interest margin | 5.2449% | 263 |
| Noninterest income to average assets | 1.0297% | 1,206 |
| Noninterest expense to average assets | 3.5153% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9648% | 368 |
| Return on assets (ROA) | 1.9648% | 400 |
| Pretax return on assets | 1.9648% | 646 |
| Return on Equity (ROE) | 15.7851% | 751 |
| Retained earnings to average equity (ytd only) | 6.2760% | 2,481 |
| Net charge-offs to loans | 0.0995% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 667 |
| Efficiency ratio | 64.1469% | 5,468 |
| Assets per employee ($millions) | 2.7190% | 6,822 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,789 |
| Loan loss allowance to noncurrent loans | 189.1051% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 6,528 |
| Noncurrent loans to loans | 0.8059% | 5,703 |
| Net loans and leases to total assets | 46.1985% | 6,816 |
| Net loans and leases to deposits | 54.4020% | 6,891 |
| Net loans and leases to core deposits | 58.9905% | 6,817 |
| Total domestic deposits to total assets | 84.9207% | 3,715 |
| Equity capital to assets | 12.5033% | 1,760 |
| Core capital (leverage) ratio | 11.7492% | 1,777 |
| Tier 1 risk-based capital ratio | 23.7882% | 984 |
| Total risk-based capital ratio | 25.0406% | 964 |
| Memoranda: | ||
| Average total assets | $67,591,000 | 6,119 |
| Average earning assets | $57,350,500 | 6,264 |
| Average equity | $8,413,000 | 5,711 |
| Average total loans | $32,174,500 | 6,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3808% | 867 |
| Cost of funding earning assets | 1.0674% | 7,063 |
| Net interest margin | 5.3134% | 237 |
| Noninterest income to average assets | 1.0302% | 1,470 |
| Noninterest expense to average assets | 3.6207% | 2,100 |
| Loan and lease loss provision to assets | 0.0906% | 6,701 |
| Net operating income to assets | 2.0634% | 199 |
| Return on assets (ROA) | 2.1752% | 171 |
| Pretax return on assets | 2.1752% | 291 |
| Return on Equity (ROE) | 17.5153% | 407 |
| Retained earnings to average equity (ytd only) | 2.4692% | 3,412 |
| Net charge-offs to loans | 0.0697% | 6,420 |
| Credit loss provision to net charge-offs | 272.7273% | 1,264 |
| Earnings coverage of net charge-offs (x) | 64.8182% | 418 |
| Efficiency ratio | 62.6995% | 6,021 |
| Assets per employee ($millions) | 2.6883% | 6,875 |
| Cash dividends to net income (ytd only)* | 85.9028% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,613 |
| Loan loss allowance to noncurrent loans | 141.9540% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 6,158 |
| Noncurrent loans to loans | 1.0721% | 5,174 |
| Net loans and leases to total assets | 47.5628% | 6,838 |
| Net loans and leases to deposits | 56.1605% | 6,911 |
| Net loans and leases to core deposits | 69.9490% | 6,773 |
| Total domestic deposits to total assets | 84.6908% | 3,713 |
| Equity capital to assets | 12.3899% | 1,801 |
| Core capital (leverage) ratio | 11.7667% | 1,775 |
| Tier 1 risk-based capital ratio | 23.2227% | 1,021 |
| Total risk-based capital ratio | 24.4753% | 1,001 |
| Memoranda: | ||
| Average total assets | $66,202,200 | 6,134 |
| Average earning assets | $59,115,200 | 6,157 |
| Average equity | $8,221,400 | 5,859 |
| Average total loans | $31,557,600 | 6,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4075% | 917 |
| Cost of funding earning assets | 1.1257% | 7,113 |
| Net interest margin | 5.2817% | 260 |
| Noninterest income to average assets | 1.0250% | 1,513 |
| Noninterest expense to average assets | 3.7906% | 1,608 |
| Loan and lease loss provision to assets | 0.1213% | 6,148 |
| Net operating income to assets | 1.8842% | 370 |
| Return on assets (ROA) | 1.9853% | 325 |
| Pretax return on assets | 1.9853% | 555 |
| Return on Equity (ROE) | 15.9768% | 659 |
| Retained earnings to average equity (ytd only) | 2.7658% | 3,788 |
| Net charge-offs to loans | 0.1021% | 5,650 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 41.3322% | 732 |
| Efficiency ratio | 65.3994% | 5,475 |
| Assets per employee ($millions) | 2.6450% | 6,952 |
| Cash dividends to net income (ytd only)* | 82.6885% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 3,357 |
| Loan loss allowance to noncurrent loans | 146.4286% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 6,194 |
| Noncurrent loans to loans | 1.0338% | 5,242 |
| Net loans and leases to total assets | 48.4098% | 6,917 |
| Net loans and leases to deposits | 57.3129% | 7,008 |
| Net loans and leases to core deposits | 72.7903% | 6,791 |
| Total domestic deposits to total assets | 84.4658% | 3,492 |
| Equity capital to assets | 12.6427% | 1,864 |
| Core capital (leverage) ratio | 11.6977% | 1,969 |
| Tier 1 risk-based capital ratio | 23.5679% | 1,047 |
| Total risk-based capital ratio | 24.8202% | 1,021 |
| Memoranda: | ||
| Average total assets | $65,950,750 | 6,181 |
| Average earning assets | $59,575,000 | 6,185 |
| Average equity | $8,195,000 | 5,916 |
| Average total loans | $31,332,000 | 6,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 1,442 |
| Cost of funding earning assets | 1.1822% | 7,159 |
| Net interest margin | 5.0209% | 411 |
| Noninterest income to average assets | 1.0077% | 1,570 |
| Noninterest expense to average assets | 3.7273% | 1,783 |
| Loan and lease loss provision to assets | 0.1821% | 5,219 |
| Net operating income to assets | 1.6360% | 638 |
| Return on assets (ROA) | 1.7271% | 583 |
| Pretax return on assets | 1.7271% | 974 |
| Return on Equity (ROE) | 13.9803% | 990 |
| Retained earnings to average equity (ytd only) | -1.0565% | 5,501 |
| Net charge-offs to loans | 0.1228% | 4,935 |
| Credit loss provision to net charge-offs | 315.7895% | 1,474 |
| Earnings coverage of net charge-offs (x) | 31.5263% | 959 |
| Efficiency ratio | 67.2140% | 5,312 |
| Assets per employee ($millions) | 2.8666% | 6,474 |
| Cash dividends to net income (ytd only)* | 107.5571% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 2,993 |
| Loan loss allowance to noncurrent loans | 130.7895% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 5,979 |
| Noncurrent loans to loans | 1.1767% | 4,866 |
| Net loans and leases to total assets | 48.2292% | 7,017 |
| Net loans and leases to deposits | 56.7092% | 7,112 |
| Net loans and leases to core deposits | 70.3511% | 7,000 |
| Total domestic deposits to total assets | 85.0465% | 3,241 |
| Equity capital to assets | 12.2006% | 2,089 |
| Core capital (leverage) ratio | 11.5147% | 2,081 |
| Tier 1 risk-based capital ratio | 23.3067% | 1,106 |
| Total risk-based capital ratio | 24.5616% | 1,081 |
| Memoranda: | ||
| Average total assets | $65,892,670 | 6,230 |
| Average earning assets | $59,550,670 | 6,249 |
| Average equity | $8,140,000 | 5,971 |
| Average total loans | $30,941,670 | 6,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2253% | 1,514 |
| Cost of funding earning assets | 1.2559% | 7,158 |
| Net interest margin | 4.9694% | 433 |
| Noninterest income to average assets | 1.0080% | 1,463 |
| Noninterest expense to average assets | 3.5158% | 2,057 |
| Loan and lease loss provision to assets | 0.1882% | 4,558 |
| Net operating income to assets | 1.7731% | 559 |
| Return on assets (ROA) | 1.9492% | 431 |
| Pretax return on assets | 1.9492% | 725 |
| Return on Equity (ROE) | 15.6815% | 869 |
| Retained earnings to average equity (ytd only) | -4.4455% | 6,483 |
| Net charge-offs to loans | 0.2643% | 3,077 |
| Credit loss provision to net charge-offs | 155.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 16.1500% | 1,567 |
| Efficiency ratio | 64.1907% | 5,652 |
| Assets per employee ($millions) | 2.6498% | 6,978 |
| Cash dividends to net income (ytd only)* | 128.3489% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 2,710 |
| Loan loss allowance to noncurrent loans | 234.6734% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,520 |
| Noncurrent loans to loans | 0.6617% | 5,746 |
| Net loans and leases to total assets | 44.6925% | 7,289 |
| Net loans and leases to deposits | 52.4538% | 7,371 |
| Net loans and leases to core deposits | 64.7289% | 7,288 |
| Total domestic deposits to total assets | 85.2036% | 3,101 |
| Equity capital to assets | 12.3509% | 2,056 |
| Core capital (leverage) ratio | 11.7736% | 2,015 |
| Tier 1 risk-based capital ratio | 24.3852% | 1,033 |
| Total risk-based capital ratio | 25.6388% | 1,013 |
| Memoranda: | ||
| Average total assets | $65,873,500 | 6,255 |
| Average earning assets | $59,242,000 | 6,290 |
| Average equity | $8,188,000 | 5,993 |
| Average total loans | $30,265,000 | 6,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7825% | 1,745 |
| Cost of funding earning assets | 1.8919% | 6,748 |
| Net interest margin | 4.8906% | 642 |
| Noninterest income to average assets | 1.0962% | 1,310 |
| Noninterest expense to average assets | 3.2965% | 2,975 |
| Loan and lease loss provision to assets | 0.1090% | 5,978 |
| Net operating income to assets | 2.1146% | 283 |
| Return on assets (ROA) | 2.1722% | 248 |
| Pretax return on assets | 2.1722% | 425 |
| Return on Equity (ROE) | 18.3673% | 499 |
| Retained earnings to average equity (ytd only) | 11.7841% | 244 |
| Net charge-offs to loans | 0.2425% | 3,840 |
| Credit loss provision to net charge-offs | 93.3333% | 5,590 |
| Earnings coverage of net charge-offs (x) | 19.0400% | 1,666 |
| Efficiency ratio | 59.7179% | 6,401 |
| Assets per employee ($millions) | 2.6200% | 6,965 |
| Cash dividends to net income (ytd only)* | 35.8423% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 2,710 |
| Loan loss allowance to noncurrent loans | 194.0426% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 6,160 |
| Noncurrent loans to loans | 0.7716% | 5,102 |
| Net loans and leases to total assets | 45.8008% | 7,349 |
| Net loans and leases to deposits | 53.6471% | 7,460 |
| Net loans and leases to core deposits | 65.3395% | 7,385 |
| Total domestic deposits to total assets | 85.3743% | 2,680 |
| Equity capital to assets | 12.5097% | 2,007 |
| Core capital (leverage) ratio | 12.0732% | 1,932 |
| Tier 1 risk-based capital ratio | 24.6257% | 1,020 |
| Total risk-based capital ratio | 25.8798% | 993 |
| Memoranda: | ||
| Average total assets | $64,220,400 | 6,223 |
| Average earning assets | $58,091,000 | 6,258 |
| Average equity | $7,595,000 | 6,240 |
| Average total loans | $30,931,800 | 6,654 |