Home > Tippins Bank > Performance and Condition Ratios
Tippins Bank, 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 | 4.8088% | 3,770 |
| Cost of funding earning assets | 0.8669% | 4,344 |
| Net interest margin | 3.9419% | 3,149 |
| Noninterest income to average assets | 0.6166% | 3,079 |
| Noninterest expense to average assets | 3.7044% | 1,528 |
| Loan and lease loss provision to assets | 0.1766% | 4,426 |
| Net operating income to assets | -0.0110% | 6,059 |
| Return on assets (ROA) | -0.0110% | 6,175 |
| Pretax return on assets | 0.4069% | 5,277 |
| Return on Equity (ROE) | -0.0894% | 6,174 |
| Retained earnings to average equity (ytd only) | -12.7111% | 6,793 |
| Net charge-offs to loans | 1.1070% | 1,555 |
| Credit loss provision to net charge-offs | 30.5177% | 5,778 |
| Earnings coverage of net charge-offs (x) | 1.0082% | 5,033 |
| Efficiency ratio | 66.2376% | 4,723 |
| Assets per employee ($millions) | 3.3379% | 5,404 |
| Cash dividends to net income (ytd only)* | -14,114.2857% | 7,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 2,663 |
| Loan loss allowance to noncurrent loans | 140.0966% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 3,975 |
| Noncurrent loans to loans | 1.3329% | 4,148 |
| Net loans and leases to total assets | 50.7290% | 5,497 |
| Net loans and leases to deposits | 57.6631% | 5,734 |
| Net loans and leases to core deposits | 60.3413% | 5,817 |
| Total domestic deposits to total assets | 87.9748% | 2,182 |
| Equity capital to assets | 11.5243% | 2,485 |
| Core capital (leverage) ratio | 9.9144% | 3,434 |
| Tier 1 risk-based capital ratio | 17.7231% | 2,296 |
| Total risk-based capital ratio | 18.9794% | 2,266 |
| Memoranda: | ||
| Average total assets | $63,411,400 | 5,942 |
| Average earning assets | $59,058,000 | 5,898 |
| Average equity | $7,827,800 | 5,621 |
| Average total loans | $33,152,600 | 6,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 3,908 |
| Cost of funding earning assets | 0.9219% | 4,262 |
| Net interest margin | 3.9037% | 3,368 |
| Noninterest income to average assets | 0.6019% | 3,151 |
| Noninterest expense to average assets | 2.8868% | 3,987 |
| Loan and lease loss provision to assets | 0.0187% | 6,206 |
| Net operating income to assets | 0.8779% | 2,832 |
| Return on assets (ROA) | 0.8779% | 2,974 |
| Pretax return on assets | 1.3345% | 2,173 |
| Return on Equity (ROE) | 7.0028% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.0260% | 2,545 |
| Net charge-offs to loans | 0.6216% | 2,388 |
| Credit loss provision to net charge-offs | 5.7325% | 5,701 |
| Earnings coverage of net charge-offs (x) | 4.1528% | 3,162 |
| Efficiency ratio | 66.3240% | 4,658 |
| Assets per employee ($millions) | 3.5002% | 4,997 |
| Cash dividends to net income (ytd only)* | 13.9471% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 2,045 |
| Loan loss allowance to noncurrent loans | 103.7764% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6380% | 3,627 |
| Noncurrent loans to loans | 2.0318% | 3,329 |
| Net loans and leases to total assets | 50.6238% | 5,625 |
| Net loans and leases to deposits | 58.7569% | 5,773 |
| Net loans and leases to core deposits | 61.4109% | 5,867 |
| Total domestic deposits to total assets | 86.1580% | 3,126 |
| Equity capital to assets | 13.1484% | 1,539 |
| Core capital (leverage) ratio | 10.9932% | 2,398 |
| Tier 1 risk-based capital ratio | 19.2725% | 1,864 |
| Total risk-based capital ratio | 20.5312% | 1,827 |
| Memoranda: | ||
| Average total assets | $64,243,750 | 5,961 |
| Average earning assets | $59,873,500 | 5,911 |
| Average equity | $8,053,750 | 5,582 |
| Average total loans | $33,676,000 | 6,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 4,260 |
| Cost of funding earning assets | 0.9727% | 4,148 |
| Net interest margin | 3.7846% | 3,867 |
| Noninterest income to average assets | 0.5506% | 3,474 |
| Noninterest expense to average assets | 2.8613% | 4,182 |
| Loan and lease loss provision to assets | 0.0186% | 6,057 |
| Net operating income to assets | 0.7888% | 3,123 |
| Return on assets (ROA) | 0.7888% | 3,246 |
| Pretax return on assets | 1.1971% | 2,495 |
| Return on Equity (ROE) | 6.3934% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.3934% | 2,193 |
| Net charge-offs to loans | -0.0059% | 6,604 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3612% | 4,452 |
| Assets per employee ($millions) | 3.3747% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5157% | 1,423 |
| Loan loss allowance to noncurrent loans | 72.6488% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 3,497 |
| Noncurrent loans to loans | 3.4628% | 2,044 |
| Net loans and leases to total assets | 50.8858% | 5,707 |
| Net loans and leases to deposits | 58.7331% | 5,856 |
| Net loans and leases to core deposits | 61.6064% | 5,930 |
| Total domestic deposits to total assets | 86.6391% | 2,962 |
| Equity capital to assets | 12.7698% | 1,639 |
| Core capital (leverage) ratio | 10.8385% | 2,381 |
| Tier 1 risk-based capital ratio | 19.0266% | 1,838 |
| Total risk-based capital ratio | 20.2917% | 1,792 |
| Memoranda: | ||
| Average total assets | $64,657,000 | 5,996 |
| Average earning assets | $60,243,670 | 5,948 |
| Average equity | $7,977,000 | 5,619 |
| Average total loans | $34,040,670 | 6,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 4,354 |
| Cost of funding earning assets | 1.0360% | 3,947 |
| Net interest margin | 3.6992% | 4,108 |
| Noninterest income to average assets | 0.5668% | 3,391 |
| Noninterest expense to average assets | 2.8155% | 4,381 |
| Loan and lease loss provision to assets | 0.0185% | 5,713 |
| Net operating income to assets | 0.7763% | 3,136 |
| Return on assets (ROA) | 0.7763% | 3,208 |
| Pretax return on assets | 1.1644% | 2,498 |
| Return on Equity (ROE) | 6.4028% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.4028% | 2,420 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5670% | 4,544 |
| Assets per employee ($millions) | 3.3160% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 1,440 |
| Loan loss allowance to noncurrent loans | 89.2553% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 3,310 |
| Noncurrent loans to loans | 2.8177% | 2,679 |
| Net loans and leases to total assets | 51.6174% | 5,631 |
| Net loans and leases to deposits | 59.3698% | 5,782 |
| Net loans and leases to core deposits | 62.0121% | 5,921 |
| Total domestic deposits to total assets | 86.9421% | 2,978 |
| Equity capital to assets | 12.5897% | 1,575 |
| Core capital (leverage) ratio | 10.5317% | 2,580 |
| Tier 1 risk-based capital ratio | 18.8867% | 1,829 |
| Total risk-based capital ratio | 20.1522% | 1,789 |
| Memoranda: | ||
| Average total assets | $64,925,500 | 6,032 |
| Average earning assets | $60,230,000 | 5,988 |
| Average equity | $7,871,500 | 5,656 |
| Average total loans | $34,326,000 | 6,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 3,577 |
| Cost of funding earning assets | 1.3493% | 3,580 |
| Net interest margin | 3.8560% | 3,708 |
| Noninterest income to average assets | 0.7458% | 2,560 |
| Noninterest expense to average assets | 2.9467% | 4,048 |
| Loan and lease loss provision to assets | 0.2496% | 4,801 |
| Net operating income to assets | 0.7448% | 3,020 |
| Return on assets (ROA) | 0.7521% | 3,116 |
| Pretax return on assets | 1.1455% | 2,416 |
| Return on Equity (ROE) | 6.1110% | 3,566 |
| Retained earnings to average equity (ytd only) | 3.8130% | 3,193 |
| Net charge-offs to loans | 0.5468% | 3,422 |
| Credit loss provision to net charge-offs | 80.6122% | 5,543 |
| Earnings coverage of net charge-offs (x) | 4.4694% | 2,912 |
| Efficiency ratio | 66.2897% | 4,922 |
| Assets per employee ($millions) | 3.7137% | 4,428 |
| Cash dividends to net income (ytd only)* | 37.6050% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 1,599 |
| Loan loss allowance to noncurrent loans | 69.4676% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 2,989 |
| Noncurrent loans to loans | 3.4059% | 2,229 |
| Net loans and leases to total assets | 51.5461% | 5,983 |
| Net loans and leases to deposits | 58.6932% | 6,188 |
| Net loans and leases to core deposits | 60.8383% | 6,327 |
| Total domestic deposits to total assets | 87.8229% | 2,355 |
| Equity capital to assets | 11.6849% | 2,139 |
| Core capital (leverage) ratio | 10.0954% | 2,980 |
| Tier 1 risk-based capital ratio | 17.9252% | 2,024 |
| Total risk-based capital ratio | 19.1884% | 1,980 |
| Memoranda: | ||
| Average total assets | $63,291,000 | 6,081 |
| Average earning assets | $58,843,200 | 6,035 |
| Average equity | $7,789,200 | 5,778 |
| Average total loans | $35,845,200 | 6,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 3,038 |
| Cost of funding earning assets | 1.4158% | 3,486 |
| Net interest margin | 3.9522% | 3,313 |
| Noninterest income to average assets | 0.8162% | 2,147 |
| Noninterest expense to average assets | 2.9763% | 3,832 |
| Loan and lease loss provision to assets | 0.3312% | 3,951 |
| Net operating income to assets | 0.7532% | 3,204 |
| Return on assets (ROA) | 0.7628% | 3,323 |
| Pretax return on assets | 1.1858% | 2,545 |
| Return on Equity (ROE) | 6.1152% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.1152% | 2,296 |
| Net charge-offs to loans | 0.7299% | 2,599 |
| Credit loss provision to net charge-offs | 78.6802% | 5,179 |
| Earnings coverage of net charge-offs (x) | 3.5685% | 3,395 |
| Efficiency ratio | 64.7424% | 5,100 |
| Assets per employee ($millions) | 3.3077% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4405% | 1,414 |
| Loan loss allowance to noncurrent loans | 69.2500% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.4249% | 2,948 |
| Noncurrent loans to loans | 3.5242% | 2,238 |
| Net loans and leases to total assets | 52.8569% | 5,998 |
| Net loans and leases to deposits | 60.9601% | 6,218 |
| Net loans and leases to core deposits | 65.8441% | 6,139 |
| Total domestic deposits to total assets | 86.7074% | 2,692 |
| Equity capital to assets | 12.6895% | 1,762 |
| Core capital (leverage) ratio | 10.4637% | 2,725 |
| Tier 1 risk-based capital ratio | 18.8852% | 1,777 |
| Total risk-based capital ratio | 20.1508% | 1,738 |
| Memoranda: | ||
| Average total assets | $62,402,000 | 6,177 |
| Average earning assets | $57,822,750 | 6,132 |
| Average equity | $7,783,750 | 5,864 |
| Average total loans | $35,983,500 | 6,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 2,725 |
| Cost of funding earning assets | 1.4305% | 3,667 |
| Net interest margin | 4.0254% | 2,897 |
| Noninterest income to average assets | 0.9188% | 1,623 |
| Noninterest expense to average assets | 2.9332% | 3,949 |
| Loan and lease loss provision to assets | 0.4883% | 2,852 |
| Net operating income to assets | 0.8078% | 2,934 |
| Return on assets (ROA) | 0.8224% | 3,017 |
| Pretax return on assets | 1.2626% | 2,214 |
| Return on Equity (ROE) | 6.6321% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.6321% | 2,000 |
| Net charge-offs to loans | -0.0055% | 7,119 |
| Credit loss provision to net charge-offs | -15,200.0000% | 7,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2681% | 5,814 |
| Assets per employee ($millions) | 3.5042% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9107% | 906 |
| Loan loss allowance to noncurrent loans | 74.0794% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.7095% | 2,665 |
| Noncurrent loans to loans | 3.9292% | 1,941 |
| Net loans and leases to total assets | 54.2576% | 5,959 |
| Net loans and leases to deposits | 62.4462% | 6,190 |
| Net loans and leases to core deposits | 64.8974% | 6,323 |
| Total domestic deposits to total assets | 86.8870% | 2,593 |
| Equity capital to assets | 12.5010% | 1,802 |
| Core capital (leverage) ratio | 10.5463% | 2,588 |
| Tier 1 risk-based capital ratio | 18.1839% | 1,904 |
| Total risk-based capital ratio | 19.4557% | 1,868 |
| Memoranda: | ||
| Average total assets | $62,253,670 | 6,225 |
| Average earning assets | $57,882,670 | 6,174 |
| Average equity | $7,720,000 | 5,896 |
| Average total loans | $36,628,000 | 6,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 1,901 |
| Cost of funding earning assets | 1.4812% | 3,687 |
| Net interest margin | 4.1851% | 2,109 |
| Noninterest income to average assets | 1.2483% | 791 |
| Noninterest expense to average assets | 2.9041% | 4,042 |
| Loan and lease loss provision to assets | 0.8020% | 1,578 |
| Net operating income to assets | 0.9185% | 2,479 |
| Return on assets (ROA) | 0.9185% | 2,545 |
| Pretax return on assets | 1.4165% | 1,726 |
| Return on Equity (ROE) | 7.4370% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.4370% | 1,956 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1768% | 6,865 |
| Assets per employee ($millions) | 3.0736% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7146% | 1,074 |
| Loan loss allowance to noncurrent loans | 72.9868% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.7493% | 2,642 |
| Noncurrent loans to loans | 3.7193% | 2,140 |
| Net loans and leases to total assets | 58.1250% | 5,416 |
| Net loans and leases to deposits | 66.9778% | 5,712 |
| Net loans and leases to core deposits | 69.0555% | 5,998 |
| Total domestic deposits to total assets | 86.7824% | 2,745 |
| Equity capital to assets | 12.5702% | 1,709 |
| Core capital (leverage) ratio | 10.4305% | 2,692 |
| Tier 1 risk-based capital ratio | 17.3368% | 2,131 |
| Total risk-based capital ratio | 18.6046% | 2,091 |
| Memoranda: | ||
| Average total assets | $61,843,000 | 6,317 |
| Average earning assets | $57,251,000 | 6,269 |
| Average equity | $7,637,500 | 5,965 |
| Average total loans | $37,317,500 | 6,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 1,806 |
| Cost of funding earning assets | 1.7341% | 4,341 |
| Net interest margin | 4.2817% | 1,776 |
| Noninterest income to average assets | 0.7612% | 2,609 |
| Noninterest expense to average assets | 3.0547% | 3,925 |
| Loan and lease loss provision to assets | 0.2629% | 5,303 |
| Net operating income to assets | 0.8911% | 2,212 |
| Return on assets (ROA) | 0.5794% | 3,484 |
| Pretax return on assets | 0.9122% | 2,884 |
| Return on Equity (ROE) | 4.6986% | 3,796 |
| Retained earnings to average equity (ytd only) | 0.2764% | 4,755 |
| Net charge-offs to loans | 1.1624% | 2,105 |
| Credit loss provision to net charge-offs | 35.1410% | 6,869 |
| Earnings coverage of net charge-offs (x) | 2.2213% | 4,055 |
| Efficiency ratio | 63.1108% | 5,948 |
| Assets per employee ($millions) | 3.1108% | 5,965 |
| Cash dividends to net income (ytd only)* | 94.1176% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3029% | 1,476 |
| Loan loss allowance to noncurrent loans | 70.9180% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.5573% | 2,735 |
| Noncurrent loans to loans | 3.2473% | 2,350 |
| Net loans and leases to total assets | 59.5274% | 5,411 |
| Net loans and leases to deposits | 68.9100% | 5,734 |
| Net loans and leases to core deposits | 94.6050% | 4,611 |
| Total domestic deposits to total assets | 86.3843% | 2,821 |
| Equity capital to assets | 12.1321% | 1,950 |
| Core capital (leverage) ratio | 10.1456% | 2,953 |
| Tier 1 risk-based capital ratio | 16.3867% | 2,360 |
| Total risk-based capital ratio | 17.6506% | 2,307 |
| Memoranda: | ||
| Average total assets | $61,610,400 | 6,288 |
| Average earning assets | $56,917,200 | 6,251 |
| Average equity | $7,598,000 | 6,053 |
| Average total loans | $39,660,600 | 6,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2470% | 1,250 |
| Cost of funding earning assets | 1.7822% | 4,466 |
| Net interest margin | 4.4648% | 1,278 |
| Noninterest income to average assets | 0.7853% | 2,509 |
| Noninterest expense to average assets | 3.1565% | 3,443 |
| Loan and lease loss provision to assets | 0.1822% | 5,540 |
| Net operating income to assets | 0.9978% | 2,068 |
| Return on assets (ROA) | 0.5771% | 3,765 |
| Pretax return on assets | 0.9198% | 3,164 |
| Return on Equity (ROE) | 4.6601% | 4,095 |
| Retained earnings to average equity (ytd only) | 1.7168% | 4,351 |
| Net charge-offs to loans | 1.5362% | 1,330 |
| Credit loss provision to net charge-offs | 18.1818% | 6,586 |
| Earnings coverage of net charge-offs (x) | 1.7554% | 4,478 |
| Efficiency ratio | 62.6214% | 5,997 |
| Assets per employee ($millions) | 2.9106% | 6,378 |
| Cash dividends to net income (ytd only)* | 63.1563% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 1,675 |
| Loan loss allowance to noncurrent loans | 248.1250% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 4,747 |
| Noncurrent loans to loans | 0.8294% | 5,640 |
| Net loans and leases to total assets | 61.8229% | 5,274 |
| Net loans and leases to deposits | 72.0210% | 5,646 |
| Net loans and leases to core deposits | 100.9511% | 4,271 |
| Total domestic deposits to total assets | 85.8400% | 2,786 |
| Equity capital to assets | 12.5550% | 1,916 |
| Core capital (leverage) ratio | 10.2404% | 3,026 |
| Tier 1 risk-based capital ratio | 16.2778% | 2,522 |
| Total risk-based capital ratio | 17.5386% | 2,456 |
| Memoranda: | ||
| Average total assets | $61,459,250 | 6,337 |
| Average earning assets | $56,857,750 | 6,298 |
| Average equity | $7,610,500 | 6,106 |
| Average total loans | $40,098,750 | 6,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3142% | 1,173 |
| Cost of funding earning assets | 1.7995% | 4,765 |
| Net interest margin | 4.5147% | 1,136 |
| Noninterest income to average assets | 0.7601% | 2,649 |
| Noninterest expense to average assets | 3.1086% | 3,661 |
| Loan and lease loss provision to assets | 0.1819% | 5,224 |
| Net operating income to assets | 1.0457% | 1,954 |
| Return on assets (ROA) | 0.4158% | 4,552 |
| Pretax return on assets | 0.6659% | 4,114 |
| Return on Equity (ROE) | 3.3732% | 4,757 |
| Retained earnings to average equity (ytd only) | -1.0541% | 5,500 |
| Net charge-offs to loans | 2.2313% | 812 |
| Credit loss provision to net charge-offs | 12.3620% | 6,175 |
| Earnings coverage of net charge-offs (x) | 1.2450% | 4,602 |
| Efficiency ratio | 61.3412% | 6,341 |
| Assets per employee ($millions) | 3.0501% | 6,001 |
| Cash dividends to net income (ytd only)* | 131.2500% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 1,585 |
| Loan loss allowance to noncurrent loans | 345.9821% | 910 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 4,944 |
| Noncurrent loans to loans | 0.5752% | 6,112 |
| Net loans and leases to total assets | 62.5662% | 5,257 |
| Net loans and leases to deposits | 73.4286% | 5,545 |
| Net loans and leases to core deposits | 100.7045% | 4,438 |
| Total domestic deposits to total assets | 85.2068% | 3,160 |
| Equity capital to assets | 12.2129% | 2,081 |
| Core capital (leverage) ratio | 10.0406% | 3,252 |
| Tier 1 risk-based capital ratio | 14.9519% | 3,043 |
| Total risk-based capital ratio | 16.2114% | 2,978 |
| Memoranda: | ||
| Average total assets | $61,571,330 | 6,390 |
| Average earning assets | $57,014,330 | 6,350 |
| Average equity | $7,589,330 | 6,150 |
| Average total loans | $40,604,330 | 6,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2852% | 1,345 |
| Cost of funding earning assets | 1.7888% | 5,169 |
| Net interest margin | 4.4964% | 1,132 |
| Noninterest income to average assets | 0.7631% | 2,518 |
| Noninterest expense to average assets | 2.9552% | 3,957 |
| Loan and lease loss provision to assets | 0.1811% | 4,633 |
| Net operating income to assets | 1.1679% | 1,746 |
| Return on assets (ROA) | 1.2351% | 1,655 |
| Pretax return on assets | 1.9076% | 784 |
| Return on Equity (ROE) | 9.9752% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,827 |
| Net charge-offs to loans | 3.6104% | 339 |
| Credit loss provision to net charge-offs | 7.4866% | 5,216 |
| Earnings coverage of net charge-offs (x) | 0.8209% | 4,371 |
| Efficiency ratio | 58.2461% | 6,663 |
| Assets per employee ($millions) | 3.0194% | 6,102 |
| Cash dividends to net income (ytd only)* | 43.9791% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 1,389 |
| Loan loss allowance to noncurrent loans | 156.4394% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 4,672 |
| Noncurrent loans to loans | 1.2861% | 4,403 |
| Net loans and leases to total assets | 66.6142% | 4,439 |
| Net loans and leases to deposits | 78.6359% | 4,826 |
| Net loans and leases to core deposits | 106.8929% | 3,809 |
| Total domestic deposits to total assets | 84.7122% | 3,354 |
| Equity capital to assets | 12.7724% | 1,847 |
| Core capital (leverage) ratio | 10.3456% | 3,072 |
| Tier 1 risk-based capital ratio | 14.6831% | 3,211 |
| Total risk-based capital ratio | 15.9431% | 3,138 |
| Memoranda: | ||
| Average total assets | $61,856,500 | 6,406 |
| Average earning assets | $57,468,000 | 6,354 |
| Average equity | $7,659,000 | 6,168 |
| Average total loans | $41,436,000 | 6,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0211% | 1,080 |
| Cost of funding earning assets | 2.3038% | 5,131 |
| Net interest margin | 4.7173% | 936 |
| Noninterest income to average assets | 0.9537% | 1,750 |
| Noninterest expense to average assets | 3.3639% | 2,780 |
| Loan and lease loss provision to assets | 0.1448% | 5,505 |
| Net operating income to assets | 1.1202% | 2,069 |
| Return on assets (ROA) | 1.1202% | 1,983 |
| Pretax return on assets | 1.8109% | 923 |
| Return on Equity (ROE) | 9.0971% | 2,608 |
| Retained earnings to average equity (ytd only) | 4.2579% | 2,476 |
| Net charge-offs to loans | -0.0176% | 7,915 |
| Credit loss provision to net charge-offs | -1,242.8571% | 7,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7334% | 6,002 |
| Assets per employee ($millions) | 2.8784% | 6,373 |
| Cash dividends to net income (ytd only)* | 53.1947% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8026% | 514 |
| Loan loss allowance to noncurrent loans | 136.1208% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 3,481 |
| Noncurrent loans to loans | 2.0589% | 2,684 |
| Net loans and leases to total assets | 64.1879% | 5,236 |
| Net loans and leases to deposits | 74.9198% | 5,742 |
| Net loans and leases to core deposits | 100.0936% | 4,815 |
| Total domestic deposits to total assets | 85.6755% | 2,547 |
| Equity capital to assets | 12.0095% | 2,287 |
| Core capital (leverage) ratio | 10.1756% | 3,295 |
| Tier 1 risk-based capital ratio | 14.1090% | 3,496 |
| Total risk-based capital ratio | 15.3767% | 3,404 |
| Memoranda: | ||
| Average total assets | $60,079,800 | 6,382 |
| Average earning assets | $55,603,600 | 6,351 |
| Average equity | $7,398,000 | 6,316 |
| Average total loans | $39,846,600 | 6,164 |