Home > Tulsa National Bank > Performance and Condition Ratios
Tulsa National Bank, Performance and Condition Ratios
| 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 | 3.8556% | 4,635 |
| Cost of funding earning assets | 0.6110% | 2,837 |
| Net interest margin | 3.2445% | 4,791 |
| Noninterest income to average assets | 0.3426% | 4,946 |
| Noninterest expense to average assets | 2.3778% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0887% | 1,960 |
| Return on assets (ROA) | 1.0887% | 2,075 |
| Pretax return on assets | 1.0887% | 3,138 |
| Return on Equity (ROE) | 8.6792% | 2,763 |
| Retained earnings to average equity (ytd only) | 2.8347% | 4,509 |
| Net charge-offs to loans | 0.7214% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4838% | 3,696 |
| Efficiency ratio | 68.5938% | 4,083 |
| Assets per employee ($millions) | 5.3150% | 1,774 |
| Cash dividends to net income (ytd only)* | 67.3397% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 1,214 |
| Loan loss allowance to noncurrent loans | 74.1911% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.8095% | 1,470 |
| Noncurrent loans to loans | 3.1392% | 1,403 |
| Net loans and leases to total assets | 55.5709% | 4,359 |
| Net loans and leases to deposits | 64.6826% | 4,410 |
| Net loans and leases to core deposits | 71.5435% | 4,104 |
| Total domestic deposits to total assets | 85.9131% | 3,418 |
| Equity capital to assets | 12.6523% | 1,496 |
| Core capital (leverage) ratio | 12.6782% | 1,298 |
| Tier 1 risk-based capital ratio | 22.7121% | 1,180 |
| Total risk-based capital ratio | 23.9756% | 1,155 |
| Memoranda: | ||
| Average total assets | $154,682,330 | 3,691 |
| Average earning assets | $148,928,000 | 3,577 |
| Average equity | $19,402,670 | 3,280 |
| Average total loans | $93,982,670 | 3,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 4,350 |
| Cost of funding earning assets | 0.6439% | 2,713 |
| Net interest margin | 3.2908% | 4,549 |
| Noninterest income to average assets | 0.7182% | 2,491 |
| Noninterest expense to average assets | 2.5074% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3755% | 1,084 |
| Return on assets (ROA) | 1.3755% | 1,173 |
| Pretax return on assets | 1.3755% | 1,940 |
| Return on Equity (ROE) | 11.0109% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.1850% | 3,711 |
| Net charge-offs to loans | -0.1257% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5752% | 4,907 |
| Assets per employee ($millions) | 5.2195% | 1,956 |
| Cash dividends to net income (ytd only)* | 61.9926% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 1,103 |
| Loan loss allowance to noncurrent loans | 67.5902% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 3.5272% | 1,201 |
| Noncurrent loans to loans | 3.7157% | 1,268 |
| Net loans and leases to total assets | 60.0597% | 3,418 |
| Net loans and leases to deposits | 70.2534% | 3,437 |
| Net loans and leases to core deposits | 77.8166% | 3,099 |
| Total domestic deposits to total assets | 85.4901% | 3,803 |
| Equity capital to assets | 13.1166% | 1,378 |
| Core capital (leverage) ratio | 11.9702% | 1,585 |
| Tier 1 risk-based capital ratio | 20.5337% | 1,646 |
| Total risk-based capital ratio | 21.7994% | 1,612 |
| Memoranda: | ||
| Average total assets | $157,614,000 | 3,687 |
| Average earning assets | $151,572,500 | 3,562 |
| Average equity | $19,689,500 | 3,284 |
| Average total loans | $98,638,000 | 3,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 4,134 |
| Cost of funding earning assets | 0.8450% | 2,326 |
| Net interest margin | 3.4717% | 4,616 |
| Noninterest income to average assets | 0.1810% | 6,102 |
| Noninterest expense to average assets | 2.5153% | 5,052 |
| Loan and lease loss provision to assets | 0.5982% | 923 |
| Net operating income to assets | 0.4142% | 5,037 |
| Return on assets (ROA) | 0.4142% | 5,293 |
| Pretax return on assets | 0.4142% | 5,534 |
| Return on Equity (ROE) | 3.5945% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.7546% | 4,299 |
| Net charge-offs to loans | 1.7089% | 485 |
| Credit loss provision to net charge-offs | 50.7653% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.8592% | 5,048 |
| Efficiency ratio | 71.3020% | 3,568 |
| Assets per employee ($millions) | 5.4621% | 1,718 |
| Cash dividends to net income (ytd only)* | 23.3672% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,522 |
| Loan loss allowance to noncurrent loans | 76.0948% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 3.2076% | 1,449 |
| Noncurrent loans to loans | 2.9195% | 1,790 |
| Net loans and leases to total assets | 62.0724% | 3,237 |
| Net loans and leases to deposits | 74.1213% | 3,069 |
| Net loans and leases to core deposits | 82.2402% | 2,745 |
| Total domestic deposits to total assets | 83.7442% | 4,418 |
| Equity capital to assets | 11.9155% | 2,103 |
| Core capital (leverage) ratio | 11.2317% | 2,064 |
| Tier 1 risk-based capital ratio | 18.3368% | 2,159 |
| Total risk-based capital ratio | 19.5991% | 2,117 |
| Memoranda: | ||
| Average total assets | $166,340,800 | 3,513 |
| Average earning assets | $160,354,800 | 3,372 |
| Average equity | $19,168,000 | 3,309 |
| Average total loans | $114,691,600 | 3,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 4,128 |
| Cost of funding earning assets | 0.8733% | 2,373 |
| Net interest margin | 3.5082% | 4,610 |
| Noninterest income to average assets | 0.1613% | 6,332 |
| Noninterest expense to average assets | 2.4460% | 5,251 |
| Loan and lease loss provision to assets | 0.7946% | 595 |
| Net operating income to assets | 0.3051% | 5,599 |
| Return on assets (ROA) | 0.3051% | 5,801 |
| Pretax return on assets | 0.3051% | 5,946 |
| Return on Equity (ROE) | 2.6696% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.0406% | 5,304 |
| Net charge-offs to loans | 1.7587% | 456 |
| Credit loss provision to net charge-offs | 64.2765% | 4,042 |
| Earnings coverage of net charge-offs (x) | 0.8895% | 4,886 |
| Efficiency ratio | 68.9865% | 3,879 |
| Assets per employee ($millions) | 5.3115% | 1,819 |
| Cash dividends to net income (ytd only)* | 23.5608% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5340% | 1,170 |
| Loan loss allowance to noncurrent loans | 49.8171% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.8565% | 1,275 |
| Noncurrent loans to loans | 5.0866% | 881 |
| Net loans and leases to total assets | 63.6084% | 3,092 |
| Net loans and leases to deposits | 78.8341% | 2,552 |
| Net loans and leases to core deposits | 88.4609% | 2,160 |
| Total domestic deposits to total assets | 80.6864% | 5,456 |
| Equity capital to assets | 11.8745% | 2,374 |
| Core capital (leverage) ratio | 11.2670% | 2,163 |
| Tier 1 risk-based capital ratio | 17.8740% | 2,398 |
| Total risk-based capital ratio | 19.1415% | 2,358 |
| Memoranda: | ||
| Average total assets | $166,960,500 | 3,536 |
| Average earning assets | $161,067,500 | 3,400 |
| Average equity | $19,078,750 | 3,349 |
| Average total loans | $117,358,500 | 3,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 3,933 |
| Cost of funding earning assets | 0.8840% | 2,528 |
| Net interest margin | 3.5782% | 4,354 |
| Noninterest income to average assets | 0.1157% | 6,610 |
| Noninterest expense to average assets | 2.4158% | 5,397 |
| Loan and lease loss provision to assets | 0.9205% | 502 |
| Net operating income to assets | 0.2254% | 5,844 |
| Return on assets (ROA) | 0.2254% | 6,031 |
| Pretax return on assets | 0.2254% | 6,110 |
| Return on Equity (ROE) | 1.9978% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.4693% | 5,464 |
| Net charge-offs to loans | 1.5631% | 616 |
| Credit loss provision to net charge-offs | 81.8664% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.0191% | 4,514 |
| Efficiency ratio | 67.8273% | 4,159 |
| Assets per employee ($millions) | 5.3392% | 1,780 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8012% | 942 |
| Loan loss allowance to noncurrent loans | 40.5088% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 6.2806% | 665 |
| Noncurrent loans to loans | 6.9150% | 570 |
| Net loans and leases to total assets | 67.2637% | 2,413 |
| Net loans and leases to deposits | 83.7305% | 1,890 |
| Net loans and leases to core deposits | 95.7843% | 1,444 |
| Total domestic deposits to total assets | 80.3336% | 5,653 |
| Equity capital to assets | 11.9468% | 2,188 |
| Core capital (leverage) ratio | 11.2671% | 2,072 |
| Tier 1 risk-based capital ratio | 16.7007% | 2,806 |
| Total risk-based capital ratio | 17.9704% | 2,751 |
| Memoranda: | ||
| Average total assets | $167,728,670 | 3,539 |
| Average earning assets | $161,533,330 | 3,395 |
| Average equity | $18,921,000 | 3,364 |
| Average total loans | $120,658,670 | 3,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,896 |
| Cost of funding earning assets | 0.8794% | 2,841 |
| Net interest margin | 3.6239% | 4,158 |
| Noninterest income to average assets | 0.2029% | 6,174 |
| Noninterest expense to average assets | 2.2390% | 5,945 |
| Loan and lease loss provision to assets | 1.1078% | 359 |
| Net operating income to assets | 0.3545% | 5,460 |
| Return on assets (ROA) | 0.3545% | 5,634 |
| Pretax return on assets | 0.3545% | 5,844 |
| Return on Equity (ROE) | 3.2317% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.1687% | 5,177 |
| Net charge-offs to loans | 1.6565% | 581 |
| Credit loss provision to net charge-offs | 91.3462% | 2,522 |
| Earnings coverage of net charge-offs (x) | 1.2058% | 3,735 |
| Efficiency ratio | 60.4915% | 5,544 |
| Assets per employee ($millions) | 5.4105% | 1,775 |
| Cash dividends to net income (ytd only)* | 32.8947% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7040% | 1,112 |
| Loan loss allowance to noncurrent loans | 34.9146% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 6.6121% | 672 |
| Noncurrent loans to loans | 7.7446% | 518 |
| Net loans and leases to total assets | 69.3157% | 1,883 |
| Net loans and leases to deposits | 85.2151% | 1,509 |
| Net loans and leases to core deposits | 96.8898% | 1,211 |
| Total domestic deposits to total assets | 81.3420% | 5,514 |
| Equity capital to assets | 11.2560% | 2,671 |
| Core capital (leverage) ratio | 10.8521% | 2,385 |
| Tier 1 risk-based capital ratio | 15.6196% | 3,383 |
| Total risk-based capital ratio | 16.8880% | 3,343 |
| Memoranda: | ||
| Average total assets | $171,504,500 | 3,493 |
| Average earning assets | $165,569,000 | 3,354 |
| Average equity | $18,813,500 | 3,378 |
| Average total loans | $125,565,000 | 3,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 3,067 |
| Cost of funding earning assets | 1.0145% | 3,268 |
| Net interest margin | 3.9468% | 3,124 |
| Noninterest income to average assets | 0.0935% | 6,668 |
| Noninterest expense to average assets | 2.4942% | 5,488 |
| Loan and lease loss provision to assets | 1.5577% | 466 |
| Net operating income to assets | -0.1707% | 6,226 |
| Return on assets (ROA) | 0.4325% | 4,922 |
| Pretax return on assets | 0.4325% | 5,192 |
| Return on Equity (ROE) | 4.0066% | 4,843 |
| Retained earnings to average equity (ytd only) | -0.2259% | 5,890 |
| Net charge-offs to loans | 1.4933% | 1,071 |
| Credit loss provision to net charge-offs | 135.2319% | 2,219 |
| Earnings coverage of net charge-offs (x) | 1.2041% | 4,882 |
| Efficiency ratio | 64.2633% | 5,079 |
| Assets per employee ($millions) | 6.2602% | 1,068 |
| Cash dividends to net income (ytd only)* | 105.6376% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4886% | 1,331 |
| Loan loss allowance to noncurrent loans | 29.0812% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 7.2813% | 618 |
| Noncurrent loans to loans | 8.5574% | 437 |
| Net loans and leases to total assets | 73.2316% | 1,404 |
| Net loans and leases to deposits | 89.1138% | 1,255 |
| Net loans and leases to core deposits | 102.2104% | 1,010 |
| Total domestic deposits to total assets | 82.1776% | 5,069 |
| Equity capital to assets | 10.6957% | 3,309 |
| Core capital (leverage) ratio | 10.5526% | 2,660 |
| Tier 1 risk-based capital ratio | 14.5700% | 3,922 |
| Total risk-based capital ratio | 15.8367% | 3,891 |
| Memoranda: | ||
| Average total assets | $172,241,400 | 3,451 |
| Average earning assets | $165,300,000 | 3,318 |
| Average equity | $18,594,200 | 3,343 |
| Average total loans | $132,860,400 | 2,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 2,849 |
| Cost of funding earning assets | 1.0560% | 3,278 |
| Net interest margin | 3.9918% | 2,948 |
| Noninterest income to average assets | 0.0568% | 6,931 |
| Noninterest expense to average assets | 2.5487% | 5,286 |
| Loan and lease loss provision to assets | 1.7751% | 341 |
| Net operating income to assets | -0.4432% | 6,610 |
| Return on assets (ROA) | 0.3647% | 5,333 |
| Pretax return on assets | 0.3647% | 5,566 |
| Return on Equity (ROE) | 3.3700% | 5,287 |
| Retained earnings to average equity (ytd only) | -1.2215% | 6,186 |
| Net charge-offs to loans | 1.5399% | 933 |
| Credit loss provision to net charge-offs | 148.4395% | 2,119 |
| Earnings coverage of net charge-offs (x) | 1.1138% | 4,794 |
| Efficiency ratio | 65.6782% | 4,780 |
| Assets per employee ($millions) | 6.2729% | 1,049 |
| Cash dividends to net income (ytd only)* | 136.2470% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4636% | 1,448 |
| Loan loss allowance to noncurrent loans | 33.1074% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 6.9476% | 712 |
| Noncurrent loans to loans | 7.4414% | 640 |
| Net loans and leases to total assets | 77.6528% | 750 |
| Net loans and leases to deposits | 95.2463% | 744 |
| Net loans and leases to core deposits | 109.8592% | 681 |
| Total domestic deposits to total assets | 81.5284% | 5,246 |
| Equity capital to assets | 10.9661% | 3,179 |
| Core capital (leverage) ratio | 10.4049% | 2,988 |
| Tier 1 risk-based capital ratio | 13.8974% | 4,419 |
| Total risk-based capital ratio | 15.1634% | 4,375 |
| Memoranda: | ||
| Average total assets | $171,480,500 | 3,492 |
| Average earning assets | $164,264,750 | 3,352 |
| Average equity | $18,555,750 | 3,344 |
| Average total loans | $133,165,500 | 2,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,526 |
| Cost of funding earning assets | 1.0877% | 3,332 |
| Net interest margin | 4.0495% | 2,616 |
| Noninterest income to average assets | 0.3531% | 5,065 |
| Noninterest expense to average assets | 2.5984% | 5,189 |
| Loan and lease loss provision to assets | 1.1639% | 685 |
| Net operating income to assets | 0.4611% | 4,673 |
| Return on assets (ROA) | 0.8863% | 2,810 |
| Pretax return on assets | 0.8863% | 3,674 |
| Return on Equity (ROE) | 8.2264% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.4825% | 4,035 |
| Net charge-offs to loans | 1.0980% | 1,436 |
| Credit loss provision to net charge-offs | 137.6374% | 2,221 |
| Earnings coverage of net charge-offs (x) | 1.9217% | 3,902 |
| Efficiency ratio | 61.5237% | 5,652 |
| Assets per employee ($millions) | 5.4486% | 1,615 |
| Cash dividends to net income (ytd only)* | 57.6671% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 2,066 |
| Loan loss allowance to noncurrent loans | 71.5253% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 4.3390% | 1,464 |
| Noncurrent loans to loans | 2.9701% | 2,446 |
| Net loans and leases to total assets | 77.7654% | 808 |
| Net loans and leases to deposits | 96.1863% | 711 |
| Net loans and leases to core deposits | 114.0941% | 572 |
| Total domestic deposits to total assets | 80.8487% | 5,583 |
| Equity capital to assets | 11.0060% | 2,942 |
| Core capital (leverage) ratio | 10.9290% | 2,318 |
| Tier 1 risk-based capital ratio | 14.4053% | 3,866 |
| Total risk-based capital ratio | 15.6672% | 3,826 |
| Memoranda: | ||
| Average total assets | $172,184,670 | 3,495 |
| Average earning assets | $164,564,670 | 3,362 |
| Average equity | $18,550,000 | 3,327 |
| Average total loans | $132,607,000 | 2,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 2,556 |
| Cost of funding earning assets | 1.1410% | 3,222 |
| Net interest margin | 3.9789% | 2,778 |
| Noninterest income to average assets | 0.4096% | 4,631 |
| Noninterest expense to average assets | 2.6096% | 5,186 |
| Loan and lease loss provision to assets | 1.6131% | 378 |
| Net operating income to assets | -0.0092% | 6,366 |
| Return on assets (ROA) | 0.8330% | 2,926 |
| Pretax return on assets | 0.8330% | 3,776 |
| Return on Equity (ROE) | 7.8144% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.2747% | 2,030 |
| Net charge-offs to loans | 1.3019% | 1,064 |
| Credit loss provision to net charge-offs | 163.4033% | 1,774 |
| Earnings coverage of net charge-offs (x) | 1.6247% | 3,500 |
| Efficiency ratio | 61.9334% | 5,695 |
| Assets per employee ($millions) | 5.5317% | 1,544 |
| Cash dividends to net income (ytd only)* | 6.9061% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 2,100 |
| Loan loss allowance to noncurrent loans | 68.6010% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 4.3247% | 1,516 |
| Noncurrent loans to loans | 3.1193% | 2,406 |
| Net loans and leases to total assets | 75.9794% | 1,033 |
| Net loans and leases to deposits | 94.4090% | 792 |
| Net loans and leases to core deposits | 110.0161% | 722 |
| Total domestic deposits to total assets | 80.4790% | 5,820 |
| Equity capital to assets | 10.8315% | 2,852 |
| Core capital (leverage) ratio | 10.6096% | 2,499 |
| Tier 1 risk-based capital ratio | 14.4522% | 3,772 |
| Total risk-based capital ratio | 15.7141% | 3,724 |
| Memoranda: | ||
| Average total assets | $173,823,000 | 3,488 |
| Average earning assets | $166,177,000 | 3,357 |
| Average equity | $18,530,000 | 3,320 |
| Average total loans | $131,809,000 | 3,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 4,009 |
| Cost of funding earning assets | 1.3933% | 3,313 |
| Net interest margin | 3.7263% | 4,242 |
| Noninterest income to average assets | 0.3237% | 5,471 |
| Noninterest expense to average assets | 2.7036% | 4,975 |
| Loan and lease loss provision to assets | 0.6468% | 2,551 |
| Net operating income to assets | 0.5187% | 4,009 |
| Return on assets (ROA) | 0.5181% | 4,168 |
| Pretax return on assets | 0.5181% | 4,556 |
| Return on Equity (ROE) | 5.0963% | 4,028 |
| Retained earnings to average equity (ytd only) | 0.2764% | 5,441 |
| Net charge-offs to loans | 0.6858% | 2,953 |
| Credit loss provision to net charge-offs | 125.7923% | 3,236 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 4,026 |
| Efficiency ratio | 69.8765% | 4,200 |
| Assets per employee ($millions) | 5.6827% | 1,439 |
| Cash dividends to net income (ytd only)* | 94.5770% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 2,367 |
| Loan loss allowance to noncurrent loans | 48.1502% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 4.8109% | 1,351 |
| Noncurrent loans to loans | 4.1018% | 1,763 |
| Net loans and leases to total assets | 72.6034% | 1,966 |
| Net loans and leases to deposits | 89.5835% | 1,584 |
| Net loans and leases to core deposits | 104.4533% | 1,284 |
| Total domestic deposits to total assets | 81.0455% | 5,510 |
| Equity capital to assets | 10.4936% | 3,163 |
| Core capital (leverage) ratio | 9.9141% | 3,189 |
| Tier 1 risk-based capital ratio | 14.2618% | 3,709 |
| Total risk-based capital ratio | 15.5215% | 3,651 |
| Memoranda: | ||
| Average total assets | $177,948,000 | 3,411 |
| Average earning assets | $169,308,600 | 3,294 |
| Average equity | $18,091,400 | 3,411 |
| Average total loans | $133,417,400 | 3,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 4,075 |
| Cost of funding earning assets | 1.4205% | 3,455 |
| Net interest margin | 3.7305% | 4,262 |
| Noninterest income to average assets | 0.3341% | 5,491 |
| Noninterest expense to average assets | 2.7048% | 4,863 |
| Loan and lease loss provision to assets | 0.7108% | 2,148 |
| Net operating income to assets | 0.4634% | 4,472 |
| Return on assets (ROA) | 0.4626% | 4,662 |
| Pretax return on assets | 0.4626% | 5,033 |
| Return on Equity (ROE) | 4.5869% | 4,511 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,763 |
| Net charge-offs to loans | 0.7553% | 2,537 |
| Credit loss provision to net charge-offs | 125.1316% | 3,276 |
| Earnings coverage of net charge-offs (x) | 2.0671% | 4,173 |
| Efficiency ratio | 69.7303% | 4,125 |
| Assets per employee ($millions) | 5.5839% | 1,548 |
| Cash dividends to net income (ytd only)* | 99.3542% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 2,360 |
| Loan loss allowance to noncurrent loans | 50.3280% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 5.0866% | 1,261 |
| Noncurrent loans to loans | 3.8677% | 1,969 |
| Net loans and leases to total assets | 69.2162% | 2,932 |
| Net loans and leases to deposits | 85.7364% | 2,404 |
| Net loans and leases to core deposits | 103.6303% | 1,518 |
| Total domestic deposits to total assets | 80.7314% | 5,471 |
| Equity capital to assets | 10.0321% | 4,120 |
| Core capital (leverage) ratio | 9.7868% | 3,508 |
| Tier 1 risk-based capital ratio | 14.0467% | 3,800 |
| Total risk-based capital ratio | 15.3052% | 3,765 |
| Memoranda: | ||
| Average total assets | $178,394,000 | 3,443 |
| Average earning assets | $169,515,750 | 3,329 |
| Average equity | $17,992,750 | 3,470 |
| Average total loans | $134,152,250 | 3,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 3,527 |
| Cost of funding earning assets | 1.4360% | 3,633 |
| Net interest margin | 3.8509% | 3,673 |
| Noninterest income to average assets | 0.3877% | 5,011 |
| Noninterest expense to average assets | 2.7931% | 4,512 |
| Loan and lease loss provision to assets | 0.6246% | 2,296 |
| Net operating income to assets | 0.6269% | 3,746 |
| Return on assets (ROA) | 0.6257% | 3,893 |
| Pretax return on assets | 0.6257% | 4,485 |
| Return on Equity (ROE) | 6.1924% | 3,703 |
| Retained earnings to average equity (ytd only) | 0.7292% | 5,470 |
| Net charge-offs to loans | 0.3955% | 3,393 |
| Credit loss provision to net charge-offs | 205.5970% | 1,895 |
| Earnings coverage of net charge-offs (x) | 4.1194% | 3,048 |
| Efficiency ratio | 69.0583% | 4,366 |
| Assets per employee ($millions) | 5.3985% | 1,710 |
| Cash dividends to net income (ytd only)* | 88.2246% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 2,262 |
| Loan loss allowance to noncurrent loans | 47.8221% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 5.5077% | 1,123 |
| Noncurrent loans to loans | 4.1122% | 1,825 |
| Net loans and leases to total assets | 73.4254% | 2,054 |
| Net loans and leases to deposits | 90.4945% | 1,773 |
| Net loans and leases to core deposits | 112.5259% | 1,001 |
| Total domestic deposits to total assets | 81.1379% | 5,358 |
| Equity capital to assets | 10.3682% | 3,562 |
| Core capital (leverage) ratio | 10.1446% | 3,001 |
| Tier 1 risk-based capital ratio | 13.6291% | 3,987 |
| Total risk-based capital ratio | 14.8881% | 3,942 |
| Memoranda: | ||
| Average total assets | $176,435,670 | 3,496 |
| Average earning assets | $167,543,330 | 3,383 |
| Average equity | $17,828,330 | 3,488 |
| Average total loans | $135,511,000 | 3,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 3,210 |
| Cost of funding earning assets | 1.4384% | 3,940 |
| Net interest margin | 3.9270% | 3,214 |
| Noninterest income to average assets | 0.3713% | 5,176 |
| Noninterest expense to average assets | 2.6473% | 5,157 |
| Loan and lease loss provision to assets | 0.6835% | 1,863 |
| Net operating income to assets | 0.7723% | 3,090 |
| Return on assets (ROA) | 0.7723% | 3,205 |
| Pretax return on assets | 0.7723% | 3,982 |
| Return on Equity (ROE) | 7.7455% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.7455% | 1,816 |
| Net charge-offs to loans | 0.4365% | 2,742 |
| Credit loss provision to net charge-offs | 201.3423% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.2886% | 2,662 |
| Efficiency ratio | 64.5197% | 5,386 |
| Assets per employee ($millions) | 5.4353% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,585 |
| Loan loss allowance to noncurrent loans | 47.8587% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.5703% | 1,472 |
| Noncurrent loans to loans | 3.8609% | 2,049 |
| Net loans and leases to total assets | 76.1081% | 1,521 |
| Net loans and leases to deposits | 95.3051% | 1,191 |
| Net loans and leases to core deposits | 118.5616% | 847 |
| Total domestic deposits to total assets | 79.8573% | 5,835 |
| Equity capital to assets | 10.1863% | 3,627 |
| Core capital (leverage) ratio | 9.8527% | 3,337 |
| Tier 1 risk-based capital ratio | 12.9730% | 4,349 |
| Total risk-based capital ratio | 14.2302% | 4,323 |
| Memoranda: | ||
| Average total assets | $175,578,000 | 3,567 |
| Average earning assets | $166,847,000 | 3,449 |
| Average equity | $17,507,000 | 3,567 |
| Average total loans | $136,550,500 | 3,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4668% | 4,350 |
| Cost of funding earning assets | 1.6013% | 5,016 |
| Net interest margin | 3.8655% | 3,411 |
| Noninterest income to average assets | 0.3116% | 5,854 |
| Noninterest expense to average assets | 2.6463% | 5,610 |
| Loan and lease loss provision to assets | 0.6131% | 3,346 |
| Net operating income to assets | 0.7330% | 2,801 |
| Return on assets (ROA) | 0.7369% | 2,868 |
| Pretax return on assets | 0.7369% | 3,452 |
| Return on Equity (ROE) | 7.5443% | 2,567 |
| Retained earnings to average equity (ytd only) | 2.1944% | 3,571 |
| Net charge-offs to loans | 0.4031% | 4,210 |
| Credit loss provision to net charge-offs | 194.6140% | 2,040 |
| Earnings coverage of net charge-offs (x) | 4.2729% | 3,002 |
| Efficiency ratio | 66.2842% | 5,340 |
| Assets per employee ($millions) | 5.5383% | 1,613 |
| Cash dividends to net income (ytd only)* | 70.9133% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 2,913 |
| Loan loss allowance to noncurrent loans | 38.3142% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 4.9044% | 1,269 |
| Noncurrent loans to loans | 4.4200% | 1,617 |
| Net loans and leases to total assets | 76.6779% | 1,652 |
| Net loans and leases to deposits | 94.6047% | 1,513 |
| Net loans and leases to core deposits | 152.2008% | 459 |
| Total domestic deposits to total assets | 81.0509% | 5,329 |
| Equity capital to assets | 9.7598% | 4,051 |
| Core capital (leverage) ratio | 9.7562% | 3,384 |
| Tier 1 risk-based capital ratio | 12.5167% | 4,508 |
| Total risk-based capital ratio | 13.7721% | 4,450 |
| Memoranda: | ||
| Average total assets | $176,811,000 | 3,492 |
| Average earning assets | $168,362,800 | 3,378 |
| Average equity | $17,271,400 | 3,621 |
| Average total loans | $138,193,800 | 3,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 4,218 |
| Cost of funding earning assets | 1.6444% | 5,186 |
| Net interest margin | 3.8948% | 3,251 |
| Noninterest income to average assets | 0.2973% | 6,096 |
| Noninterest expense to average assets | 2.6461% | 5,538 |
| Loan and lease loss provision to assets | 0.5712% | 3,099 |
| Net operating income to assets | 0.7900% | 2,859 |
| Return on assets (ROA) | 0.7900% | 2,921 |
| Pretax return on assets | 0.7900% | 3,572 |
| Return on Equity (ROE) | 8.0855% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.0775% | 2,997 |
| Net charge-offs to loans | 0.3416% | 3,929 |
| Credit loss provision to net charge-offs | 213.8418% | 2,055 |
| Earnings coverage of net charge-offs (x) | 5.0960% | 2,923 |
| Efficiency ratio | 66.0328% | 5,356 |
| Assets per employee ($millions) | 5.2022% | 1,882 |
| Cash dividends to net income (ytd only)* | 49.5698% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,889 |
| Loan loss allowance to noncurrent loans | 37.5954% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 4.9572% | 1,185 |
| Noncurrent loans to loans | 4.3251% | 1,651 |
| Net loans and leases to total assets | 78.1297% | 1,543 |
| Net loans and leases to deposits | 97.2611% | 1,406 |
| Net loans and leases to core deposits | 148.5568% | 613 |
| Total domestic deposits to total assets | 80.3298% | 5,316 |
| Equity capital to assets | 10.1968% | 3,851 |
| Core capital (leverage) ratio | 9.8956% | 3,404 |
| Tier 1 risk-based capital ratio | 12.6971% | 4,395 |
| Total risk-based capital ratio | 13.9522% | 4,342 |
| Memoranda: | ||
| Average total assets | $176,707,000 | 3,512 |
| Average earning assets | $168,321,000 | 3,399 |
| Average equity | $17,265,000 | 3,651 |
| Average total loans | $138,183,500 | 3,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5146% | 4,544 |
| Cost of funding earning assets | 1.6626% | 5,458 |
| Net interest margin | 3.8520% | 3,333 |
| Noninterest income to average assets | 0.2579% | 6,435 |
| Noninterest expense to average assets | 2.6504% | 5,557 |
| Loan and lease loss provision to assets | 0.5516% | 2,815 |
| Net operating income to assets | 0.7209% | 3,164 |
| Return on assets (ROA) | 0.7209% | 3,273 |
| Pretax return on assets | 0.7209% | 3,932 |
| Return on Equity (ROE) | 7.4833% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.5388% | 2,768 |
| Net charge-offs to loans | 0.4337% | 3,073 |
| Credit loss provision to net charge-offs | 163.4551% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.7708% | 3,313 |
| Efficiency ratio | 67.5622% | 5,240 |
| Assets per employee ($millions) | 5.3615% | 1,707 |
| Cash dividends to net income (ytd only)* | 39.3468% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 3,450 |
| Loan loss allowance to noncurrent loans | 44.1825% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 4.0660% | 1,443 |
| Noncurrent loans to loans | 3.2876% | 2,152 |
| Net loans and leases to total assets | 76.8819% | 1,975 |
| Net loans and leases to deposits | 95.0268% | 1,950 |
| Net loans and leases to core deposits | 145.2794% | 782 |
| Total domestic deposits to total assets | 80.9056% | 5,110 |
| Equity capital to assets | 9.7852% | 4,232 |
| Core capital (leverage) ratio | 9.6016% | 3,762 |
| Tier 1 risk-based capital ratio | 12.3438% | 4,645 |
| Total risk-based capital ratio | 13.5962% | 4,564 |
| Memoranda: | ||
| Average total assets | $178,385,670 | 3,509 |
| Average earning assets | $169,730,330 | 3,396 |
| Average equity | $17,185,000 | 3,678 |
| Average total loans | $138,797,000 | 3,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 5,079 |
| Cost of funding earning assets | 1.6627% | 5,769 |
| Net interest margin | 3.8045% | 3,425 |
| Noninterest income to average assets | 0.3841% | 5,344 |
| Noninterest expense to average assets | 2.7000% | 5,004 |
| Loan and lease loss provision to assets | 0.5940% | 2,117 |
| Net operating income to assets | 0.7079% | 3,513 |
| Return on assets (ROA) | 0.7079% | 3,708 |
| Pretax return on assets | 0.7079% | 4,409 |
| Return on Equity (ROE) | 7.4061% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.4061% | 2,054 |
| Net charge-offs to loans | 0.3363% | 2,747 |
| Credit loss provision to net charge-offs | 227.3504% | 2,009 |
| Earnings coverage of net charge-offs (x) | 4.9829% | 2,781 |
| Efficiency ratio | 67.4665% | 5,055 |
| Assets per employee ($millions) | 5.1111% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,368 |
| Loan loss allowance to noncurrent loans | 48.1127% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 4.2417% | 1,175 |
| Noncurrent loans to loans | 2.9588% | 2,209 |
| Net loans and leases to total assets | 75.9851% | 2,274 |
| Net loans and leases to deposits | 93.6124% | 2,341 |
| Net loans and leases to core deposits | 146.7171% | 825 |
| Total domestic deposits to total assets | 81.1699% | 4,900 |
| Equity capital to assets | 9.6686% | 4,429 |
| Core capital (leverage) ratio | 9.6481% | 3,825 |
| Tier 1 risk-based capital ratio | 12.2420% | 4,754 |
| Total risk-based capital ratio | 13.4937% | 4,661 |
| Memoranda: | ||
| Average total assets | $179,113,000 | 3,521 |
| Average earning assets | $170,323,500 | 3,416 |
| Average equity | $17,121,000 | 3,713 |
| Average total loans | $139,179,000 | 3,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0972% | 5,061 |
| Cost of funding earning assets | 2.4281% | 4,586 |
| Net interest margin | 3.6691% | 4,601 |
| Noninterest income to average assets | 0.3463% | 5,966 |
| Noninterest expense to average assets | 2.4884% | 6,052 |
| Loan and lease loss provision to assets | 0.3846% | 3,387 |
| Net operating income to assets | 0.9797% | 2,637 |
| Return on assets (ROA) | 0.9797% | 2,521 |
| Pretax return on assets | 0.9797% | 3,451 |
| Return on Equity (ROE) | 10.8823% | 1,942 |
| Retained earnings to average equity (ytd only) | 2.8238% | 3,420 |
| Net charge-offs to loans | 0.4933% | 2,387 |
| Credit loss provision to net charge-offs | 102.1459% | 5,212 |
| Earnings coverage of net charge-offs (x) | 3.6237% | 4,285 |
| Efficiency ratio | 64.5883% | 5,422 |
| Assets per employee ($millions) | 5.1239% | 1,802 |
| Cash dividends to net income (ytd only)* | 74.0517% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 3,844 |
| Loan loss allowance to noncurrent loans | 31.1952% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 4.0917% | 990 |
| Noncurrent loans to loans | 4.1398% | 1,175 |
| Net loans and leases to total assets | 77.3137% | 2,306 |
| Net loans and leases to deposits | 98.4514% | 2,061 |
| Net loans and leases to core deposits | 138.8784% | 1,323 |
| Total domestic deposits to total assets | 78.5298% | 5,534 |
| Equity capital to assets | 9.4492% | 4,755 |
| Core capital (leverage) ratio | 9.4035% | 4,149 |
| Tier 1 risk-based capital ratio | 12.0522% | 4,782 |
| Total risk-based capital ratio | 13.3028% | 4,665 |
| Memoranda: | ||
| Average total assets | $185,662,800 | 3,329 |
| Average earning assets | $177,426,000 | 3,217 |
| Average equity | $16,715,200 | 3,787 |
| Average total loans | $141,704,600 | 3,064 |