Home > UMB Bank Arizona > Performance and Condition Ratios
UMB Bank Arizona, Performance and Condition Ratios
| 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 | 3.9827% | 5,563 |
| Cost of funding earning assets | 0.2170% | 6,910 |
| Net interest margin | 3.7656% | 3,487 |
| Noninterest income to average assets | 0.4350% | 4,393 |
| Noninterest expense to average assets | 2.2384% | 5,857 |
| Loan and lease loss provision to assets | 0.0611% | 4,952 |
| Net operating income to assets | 1.0418% | 2,314 |
| Return on assets (ROA) | 1.0418% | 2,529 |
| Pretax return on assets | 1.6120% | 1,537 |
| Return on Equity (ROE) | 9.9192% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.9192% | 938 |
| Net charge-offs to loans | 0.9090% | 1,198 |
| Credit loss provision to net charge-offs | 7.8616% | 5,102 |
| Earnings coverage of net charge-offs (x) | 2.1530% | 4,187 |
| Efficiency ratio | 57.2262% | 5,893 |
| Assets per employee ($millions) | 10.3966% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,276 |
| Loan loss allowance to noncurrent loans | 221.6049% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 4,940 |
| Noncurrent loans to loans | 0.4227% | 5,606 |
| Net loans and leases to total assets | 85.9309% | 150 |
| Net loans and leases to deposits | 198.1629% | 15 |
| Net loans and leases to core deposits | 215.6901% | 50 |
| Total domestic deposits to total assets | 43.3638% | 7,125 |
| Equity capital to assets | 10.3162% | 4,062 |
| Core capital (leverage) ratio | 10.5659% | 2,842 |
| Tier 1 risk-based capital ratio | 9.7213% | 6,861 |
| Total risk-based capital ratio | 10.4933% | 6,923 |
| Memoranda: | ||
| Average total assets | $163,683,750 | 3,585 |
| Average earning assets | $151,117,250 | 3,567 |
| Average equity | $17,191,750 | 3,624 |
| Average total loans | $139,925,250 | 2,751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 5,755 |
| Cost of funding earning assets | 0.2133% | 7,003 |
| Net interest margin | 3.7479% | 3,601 |
| Noninterest income to average assets | 0.3628% | 4,936 |
| Noninterest expense to average assets | 2.2306% | 5,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0142% | 2,403 |
| Return on assets (ROA) | 1.0142% | 2,625 |
| Pretax return on assets | 1.5728% | 1,629 |
| Return on Equity (ROE) | 9.5935% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.5935% | 1,084 |
| Net charge-offs to loans | 1.4085% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.3134% | 4,346 |
| Efficiency ratio | 58.6469% | 5,782 |
| Assets per employee ($millions) | 12.1217% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,379 |
| Loan loss allowance to noncurrent loans | 125.0919% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 4,334 |
| Noncurrent loans to loans | 0.7446% | 5,021 |
| Net loans and leases to total assets | 79.6156% | 550 |
| Net loans and leases to deposits | 202.7692% | 13 |
| Net loans and leases to core deposits | 223.8595% | 46 |
| Total domestic deposits to total assets | 39.2641% | 7,195 |
| Equity capital to assets | 9.7654% | 4,677 |
| Core capital (leverage) ratio | 11.3069% | 2,041 |
| Tier 1 risk-based capital ratio | 9.7894% | 6,873 |
| Total risk-based capital ratio | 10.5460% | 6,950 |
| Memoranda: | ||
| Average total assets | $159,331,000 | 3,675 |
| Average earning assets | $146,267,670 | 3,677 |
| Average equity | $16,844,670 | 3,671 |
| Average total loans | $135,463,000 | 2,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 5,750 |
| Cost of funding earning assets | 0.2217% | 7,068 |
| Net interest margin | 3.7801% | 3,484 |
| Noninterest income to average assets | 0.3944% | 4,714 |
| Noninterest expense to average assets | 2.4392% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9994% | 2,484 |
| Return on assets (ROA) | 0.9994% | 2,673 |
| Pretax return on assets | 1.5478% | 1,749 |
| Return on Equity (ROE) | 9.0304% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.0304% | 1,582 |
| Net charge-offs to loans | 0.1352% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.0227% | 1,560 |
| Efficiency ratio | 61.1789% | 5,428 |
| Assets per employee ($millions) | 10.1021% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,282 |
| Loan loss allowance to noncurrent loans | 81.2813% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 3,125 |
| Noncurrent loans to loans | 2.1107% | 3,017 |
| Net loans and leases to total assets | 85.8597% | 124 |
| Net loans and leases to deposits | 198.0726% | 14 |
| Net loans and leases to core deposits | 222.6817% | 46 |
| Total domestic deposits to total assets | 43.3476% | 7,255 |
| Equity capital to assets | 11.4307% | 2,500 |
| Core capital (leverage) ratio | 11.6998% | 1,769 |
| Tier 1 risk-based capital ratio | 10.7365% | 6,649 |
| Total risk-based capital ratio | 11.9888% | 6,637 |
| Memoranda: | ||
| Average total assets | $148,084,000 | 3,909 |
| Average earning assets | $140,738,000 | 3,797 |
| Average equity | $16,389,000 | 3,749 |
| Average total loans | $130,133,500 | 2,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 5,210 |
| Cost of funding earning assets | 0.3098% | 7,093 |
| Net interest margin | 4.1528% | 2,223 |
| Noninterest income to average assets | 0.3434% | 5,067 |
| Noninterest expense to average assets | 2.6141% | 5,042 |
| Loan and lease loss provision to assets | 1.3239% | 610 |
| Net operating income to assets | 0.2343% | 5,482 |
| Return on assets (ROA) | 0.2343% | 5,621 |
| Pretax return on assets | 0.3635% | 5,393 |
| Return on Equity (ROE) | 2.3758% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.3758% | 4,533 |
| Net charge-offs to loans | 0.7323% | 2,322 |
| Credit loss provision to net charge-offs | 209.3909% | 1,178 |
| Earnings coverage of net charge-offs (x) | 2.6688% | 3,877 |
| Efficiency ratio | 60.7722% | 5,637 |
| Assets per employee ($millions) | 11.1259% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 2,836 |
| Loan loss allowance to noncurrent loans | 83.6344% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 3,093 |
| Noncurrent loans to loans | 2.1643% | 2,990 |
| Net loans and leases to total assets | 86.8222% | 112 |
| Net loans and leases to deposits | 190.9974% | 17 |
| Net loans and leases to core deposits | 215.0033% | 53 |
| Total domestic deposits to total assets | 45.4572% | 7,299 |
| Equity capital to assets | 10.6868% | 3,314 |
| Core capital (leverage) ratio | 10.8668% | 2,381 |
| Tier 1 risk-based capital ratio | 9.8262% | 6,891 |
| Total risk-based capital ratio | 11.0790% | 6,886 |
| Memoranda: | ||
| Average total assets | $124,629,800 | 4,283 |
| Average earning assets | $118,786,200 | 4,164 |
| Average equity | $12,290,600 | 4,484 |
| Average total loans | $107,613,000 | 3,436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 4,911 |
| Cost of funding earning assets | 0.3284% | 7,158 |
| Net interest margin | 4.2591% | 1,878 |
| Noninterest income to average assets | 0.3321% | 5,206 |
| Noninterest expense to average assets | 2.7328% | 4,601 |
| Loan and lease loss provision to assets | 0.5573% | 1,764 |
| Net operating income to assets | 0.7133% | 3,538 |
| Return on assets (ROA) | 0.7133% | 3,714 |
| Pretax return on assets | 1.1034% | 2,991 |
| Return on Equity (ROE) | 7.4207% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.4207% | 1,760 |
| Net charge-offs to loans | 1.0246% | 1,565 |
| Credit loss provision to net charge-offs | 63.4518% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.8909% | 4,247 |
| Efficiency ratio | 62.2019% | 5,381 |
| Assets per employee ($millions) | 9.5344% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,164 |
| Loan loss allowance to noncurrent loans | 127.6013% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 5,430 |
| Noncurrent loans to loans | 0.7999% | 5,270 |
| Net loans and leases to total assets | 84.6375% | 180 |
| Net loans and leases to deposits | 187.3766% | 19 |
| Net loans and leases to core deposits | 218.5119% | 56 |
| Total domestic deposits to total assets | 45.1697% | 7,370 |
| Equity capital to assets | 8.8679% | 5,895 |
| Core capital (leverage) ratio | 8.7642% | 5,319 |
| Tier 1 risk-based capital ratio | 8.3097% | 7,169 |
| Total risk-based capital ratio | 9.1406% | 7,203 |
| Memoranda: | ||
| Average total assets | $119,628,000 | 4,437 |
| Average earning assets | $114,075,250 | 4,306 |
| Average equity | $11,499,000 | 4,693 |
| Average total loans | $102,543,250 | 3,584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 4,381 |
| Cost of funding earning assets | 0.3538% | 7,219 |
| Net interest margin | 4.3786% | 1,440 |
| Noninterest income to average assets | 0.3721% | 4,891 |
| Noninterest expense to average assets | 3.0049% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9930% | 2,256 |
| Return on assets (ROA) | 0.9930% | 2,359 |
| Pretax return on assets | 1.5425% | 1,397 |
| Return on Equity (ROE) | 10.0296% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.0296% | 833 |
| Net charge-offs to loans | 0.0953% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 18.8723% | 1,238 |
| Efficiency ratio | 66.0803% | 4,859 |
| Assets per employee ($millions) | 8.9772% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,996 |
| Loan loss allowance to noncurrent loans | 1,201.7094% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 6,862 |
| Noncurrent loans to loans | 0.1093% | 6,701 |
| Net loans and leases to total assets | 84.0421% | 246 |
| Net loans and leases to deposits | 205.7523% | 20 |
| Net loans and leases to core deposits | 255.9427% | 54 |
| Total domestic deposits to total assets | 40.8463% | 7,448 |
| Equity capital to assets | 9.3761% | 5,024 |
| Core capital (leverage) ratio | 9.6722% | 3,700 |
| Tier 1 risk-based capital ratio | 9.3433% | 7,135 |
| Total risk-based capital ratio | 10.4776% | 7,147 |
| Memoranda: | ||
| Average total assets | $115,010,330 | 4,585 |
| Average earning assets | $109,670,000 | 4,459 |
| Average equity | $11,386,330 | 4,719 |
| Average total loans | $98,677,670 | 3,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 5,128 |
| Cost of funding earning assets | 0.3871% | 7,245 |
| Net interest margin | 4.1733% | 1,987 |
| Noninterest income to average assets | 0.3866% | 4,823 |
| Noninterest expense to average assets | 3.5560% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5142% | 4,436 |
| Return on assets (ROA) | 0.5142% | 4,519 |
| Pretax return on assets | 0.8024% | 3,893 |
| Return on Equity (ROE) | 5.0413% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.0413% | 3,162 |
| Net charge-offs to loans | 0.2032% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 2,439 |
| Efficiency ratio | 81.5900% | 2,282 |
| Assets per employee ($millions) | 8.4418% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 4,269 |
| Loan loss allowance to noncurrent loans | 955.7823% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 6,829 |
| Noncurrent loans to loans | 0.1557% | 6,664 |
| Net loans and leases to total assets | 84.7636% | 187 |
| Net loans and leases to deposits | 204.8920% | 17 |
| Net loans and leases to core deposits | 263.6482% | 54 |
| Total domestic deposits to total assets | 41.3699% | 7,507 |
| Equity capital to assets | 10.2557% | 3,465 |
| Core capital (leverage) ratio | 10.3852% | 2,719 |
| Tier 1 risk-based capital ratio | 10.0010% | 7,005 |
| Total risk-based capital ratio | 11.2510% | 7,003 |
| Memoranda: | ||
| Average total assets | $109,675,000 | 4,740 |
| Average earning assets | $104,379,000 | 4,629 |
| Average equity | $11,187,500 | 4,747 |
| Average total loans | $94,501,000 | 3,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 3,913 |
| Cost of funding earning assets | 0.5256% | 7,260 |
| Net interest margin | 4.6126% | 987 |
| Noninterest income to average assets | 0.3845% | 5,024 |
| Noninterest expense to average assets | 2.8084% | 4,572 |
| Loan and lease loss provision to assets | 1.1414% | 1,396 |
| Net operating income to assets | 0.5601% | 3,847 |
| Return on assets (ROA) | 0.5601% | 4,008 |
| Pretax return on assets | 0.8157% | 3,582 |
| Return on Equity (ROE) | 5.0789% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.0789% | 2,367 |
| Net charge-offs to loans | 0.8318% | 2,554 |
| Credit loss provision to net charge-offs | 159.8011% | 2,189 |
| Earnings coverage of net charge-offs (x) | 2.7401% | 3,706 |
| Efficiency ratio | 58.9312% | 6,212 |
| Assets per employee ($millions) | 8.4312% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,835 |
| Loan loss allowance to noncurrent loans | 563.1783% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,647 |
| Noncurrent loans to loans | 0.2728% | 6,518 |
| Net loans and leases to total assets | 84.9598% | 243 |
| Net loans and leases to deposits | 188.2868% | 26 |
| Net loans and leases to core deposits | 235.8150% | 65 |
| Total domestic deposits to total assets | 45.1225% | 7,574 |
| Equity capital to assets | 10.1454% | 3,563 |
| Core capital (leverage) ratio | 10.1617% | 2,913 |
| Tier 1 risk-based capital ratio | 9.9104% | 7,018 |
| Total risk-based capital ratio | 11.1615% | 7,007 |
| Memoranda: | ||
| Average total assets | $98,562,200 | 5,030 |
| Average earning assets | $93,613,400 | 4,901 |
| Average equity | $10,868,400 | 4,898 |
| Average total loans | $84,633,400 | 4,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1782% | 3,947 |
| Cost of funding earning assets | 0.5548% | 7,376 |
| Net interest margin | 4.6234% | 999 |
| Noninterest income to average assets | 0.3758% | 5,149 |
| Noninterest expense to average assets | 2.9672% | 3,863 |
| Loan and lease loss provision to assets | 0.3479% | 3,828 |
| Net operating income to assets | 0.8657% | 2,763 |
| Return on assets (ROA) | 0.8657% | 2,892 |
| Pretax return on assets | 1.4446% | 1,762 |
| Return on Equity (ROE) | 7.6749% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,529 |
| Net charge-offs to loans | -0.0747% | 7,514 |
| Credit loss provision to net charge-offs | -543.4783% | 7,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3392% | 5,556 |
| Assets per employee ($millions) | 8.8751% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 83.7560% | 345 |
| Net loans and leases to deposits | 194.2277% | 24 |
| Net loans and leases to core deposits | 240.6870% | 62 |
| Total domestic deposits to total assets | 43.1226% | 7,674 |
| Equity capital to assets | 10.6168% | 3,390 |
| Core capital (leverage) ratio | 10.6654% | 2,539 |
| Tier 1 risk-based capital ratio | 10.7814% | 6,560 |
| Total risk-based capital ratio | 12.0316% | 6,544 |
| Memoranda: | ||
| Average total assets | $95,801,250 | 5,165 |
| Average earning assets | $90,840,750 | 5,042 |
| Average equity | $10,805,500 | 4,971 |
| Average total loans | $82,148,250 | 4,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 4,378 |
| Cost of funding earning assets | 0.5958% | 7,417 |
| Net interest margin | 4.5186% | 1,168 |
| Noninterest income to average assets | 0.3383% | 5,443 |
| Noninterest expense to average assets | 3.2352% | 2,784 |
| Loan and lease loss provision to assets | 0.5421% | 2,608 |
| Net operating income to assets | 0.4944% | 4,352 |
| Return on assets (ROA) | 0.4944% | 4,512 |
| Pretax return on assets | 0.8370% | 3,753 |
| Return on Equity (ROE) | 4.2864% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.2864% | 3,351 |
| Net charge-offs to loans | -0.0151% | 7,248 |
| Credit loss provision to net charge-offs | -4,166.6667% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1128% | 4,176 |
| Assets per employee ($millions) | 6.4276% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 3,990 |
| Loan loss allowance to noncurrent loans | 5,854.5455% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,353 |
| Noncurrent loans to loans | 0.0254% | 7,261 |
| Net loans and leases to total assets | 82.9611% | 443 |
| Net loans and leases to deposits | 184.4036% | 27 |
| Net loans and leases to core deposits | 219.9655% | 77 |
| Total domestic deposits to total assets | 44.9889% | 7,743 |
| Equity capital to assets | 10.5775% | 3,309 |
| Core capital (leverage) ratio | 11.7987% | 1,757 |
| Tier 1 risk-based capital ratio | 10.7254% | 6,506 |
| Total risk-based capital ratio | 11.9768% | 6,490 |
| Memoranda: | ||
| Average total assets | $92,234,670 | 5,305 |
| Average earning assets | $87,284,330 | 5,201 |
| Average equity | $10,638,330 | 5,017 |
| Average total loans | $79,354,670 | 4,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 2,220 |
| Cost of funding earning assets | 0.6878% | 7,358 |
| Net interest margin | 4.8973% | 520 |
| Noninterest income to average assets | 0.3865% | 5,025 |
| Noninterest expense to average assets | 3.3314% | 2,425 |
| Loan and lease loss provision to assets | 1.1503% | 1,065 |
| Net operating income to assets | 0.3083% | 5,267 |
| Return on assets (ROA) | 0.3083% | 5,398 |
| Pretax return on assets | 0.5246% | 4,877 |
| Return on Equity (ROE) | 2.5479% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.5479% | 4,605 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5441% | 4,995 |
| Assets per employee ($millions) | 5.7859% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,076 |
| Loan loss allowance to noncurrent loans | 4,748.1481% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 7,419 |
| Noncurrent loans to loans | 0.0357% | 7,321 |
| Net loans and leases to total assets | 85.6224% | 238 |
| Net loans and leases to deposits | 168.0005% | 32 |
| Net loans and leases to core deposits | 213.7249% | 92 |
| Total domestic deposits to total assets | 50.9656% | 7,833 |
| Equity capital to assets | 12.1918% | 1,939 |
| Core capital (leverage) ratio | 12.1565% | 1,564 |
| Tier 1 risk-based capital ratio | 11.8496% | 5,342 |
| Total risk-based capital ratio | 13.1023% | 5,287 |
| Memoranda: | ||
| Average total assets | $86,931,500 | 5,550 |
| Average earning assets | $82,005,000 | 5,438 |
| Average equity | $10,518,500 | 5,093 |
| Average total loans | $75,729,000 | 4,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 7,390 |
| Cost of funding earning assets | 0.6797% | 7,707 |
| Net interest margin | 3.8113% | 3,654 |
| Noninterest income to average assets | 0.2857% | 6,060 |
| Noninterest expense to average assets | 3.1642% | 3,496 |
| Loan and lease loss provision to assets | 0.2500% | 5,397 |
| Net operating income to assets | 0.3309% | 4,410 |
| Return on assets (ROA) | 0.3309% | 4,501 |
| Pretax return on assets | 0.5631% | 4,008 |
| Return on Equity (ROE) | 2.9452% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.9452% | 3,108 |
| Net charge-offs to loans | 0.0163% | 6,994 |
| Credit loss provision to net charge-offs | 1,750.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 56.9167% | 466 |
| Efficiency ratio | 79.5570% | 2,947 |
| Assets per employee ($millions) | 5.4422% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,433 |
| Loan loss allowance to noncurrent loans | 175.2122% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 5,768 |
| Noncurrent loans to loans | 0.7764% | 5,718 |
| Net loans and leases to total assets | 85.9420% | 286 |
| Net loans and leases to deposits | 167.7366% | 33 |
| Net loans and leases to core deposits | 293.4782% | 38 |
| Total domestic deposits to total assets | 51.2363% | 7,898 |
| Equity capital to assets | 12.0080% | 2,039 |
| Core capital (leverage) ratio | 12.5244% | 1,445 |
| Tier 1 risk-based capital ratio | 11.8944% | 5,031 |
| Total risk-based capital ratio | 13.0684% | 5,064 |
| Memoranda: | ||
| Average total assets | $84,003,200 | 5,594 |
| Average earning assets | $81,362,600 | 5,416 |
| Average equity | $9,439,200 | 5,468 |
| Average total loans | $73,720,400 | 4,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 7,624 |
| Cost of funding earning assets | 0.6737% | 7,837 |
| Net interest margin | 3.7104% | 4,021 |
| Noninterest income to average assets | 0.2771% | 6,255 |
| Noninterest expense to average assets | 3.1140% | 3,604 |
| Loan and lease loss provision to assets | 0.3364% | 4,318 |
| Net operating income to assets | 0.2579% | 4,961 |
| Return on assets (ROA) | 0.2579% | 5,048 |
| Pretax return on assets | 0.4437% | 4,680 |
| Return on Equity (ROE) | 2.3371% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.3371% | 4,019 |
| Net charge-offs to loans | 0.0219% | 6,592 |
| Credit loss provision to net charge-offs | 1,750.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 40.5825% | 739 |
| Efficiency ratio | 79.9671% | 2,847 |
| Assets per employee ($millions) | 4.7247% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.7976% | 697 |
| Net loans and leases to deposits | 166.9420% | 45 |
| Net loans and leases to core deposits | 284.4561% | 40 |
| Total domestic deposits to total assets | 49.5966% | 7,980 |
| Equity capital to assets | 12.8760% | 1,746 |
| Core capital (leverage) ratio | 13.0634% | 1,356 |
| Tier 1 risk-based capital ratio | 15.1027% | 2,996 |
| Total risk-based capital ratio | 16.3556% | 2,933 |
| Memoranda: | ||
| Average total assets | $83,235,250 | 5,646 |
| Average earning assets | $81,139,250 | 5,447 |
| Average equity | $9,185,000 | 5,601 |
| Average total loans | $73,184,000 | 4,805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 7,778 |
| Cost of funding earning assets | 0.6470% | 7,961 |
| Net interest margin | 3.6501% | 4,169 |
| Noninterest income to average assets | 0.2518% | 6,482 |
| Noninterest expense to average assets | 2.9356% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5083% | 4,054 |
| Return on assets (ROA) | 0.5083% | 4,174 |
| Pretax return on assets | 0.8669% | 3,457 |
| Return on Equity (ROE) | 4.8640% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.8640% | 2,581 |
| Net charge-offs to loans | 0.0320% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 30.4167% | 989 |
| Efficiency ratio | 77.2017% | 3,478 |
| Assets per employee ($millions) | 5.3200% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 86.2982% | 352 |
| Net loans and leases to deposits | 227.9433% | 31 |
| Net loans and leases to core deposits | 405.0565% | 30 |
| Total domestic deposits to total assets | 37.8595% | 8,105 |
| Equity capital to assets | 10.4500% | 3,467 |
| Core capital (leverage) ratio | 10.4233% | 2,881 |
| Tier 1 risk-based capital ratio | 11.5149% | 5,362 |
| Total risk-based capital ratio | 12.5790% | 5,466 |
| Memoranda: | ||
| Average total assets | $84,207,000 | 5,644 |
| Average earning assets | $81,916,330 | 5,468 |
| Average equity | $8,799,330 | 5,749 |
| Average total loans | $75,067,000 | 4,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 7,833 |
| Cost of funding earning assets | 0.6489% | 8,024 |
| Net interest margin | 3.6870% | 3,950 |
| Noninterest income to average assets | 0.2149% | 6,760 |
| Noninterest expense to average assets | 2.6555% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6734% | 3,694 |
| Return on assets (ROA) | 0.6734% | 3,878 |
| Pretax return on assets | 1.1415% | 2,825 |
| Return on Equity (ROE) | 6.4446% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.4446% | 2,442 |
| Net charge-offs to loans | -0.0636% | 7,771 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9371% | 4,591 |
| Assets per employee ($millions) | 5.9313% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 84.3766% | 634 |
| Net loans and leases to deposits | 257.9070% | 23 |
| Net loans and leases to core deposits | 370.9309% | 29 |
| Total domestic deposits to total assets | 32.7159% | 8,166 |
| Equity capital to assets | 9.9158% | 4,095 |
| Core capital (leverage) ratio | 10.0746% | 3,319 |
| Tier 1 risk-based capital ratio | 11.1489% | 5,762 |
| Total risk-based capital ratio | 12.2180% | 5,841 |
| Memoranda: | ||
| Average total assets | $83,750,500 | 5,678 |
| Average earning assets | $81,366,000 | 5,508 |
| Average equity | $8,751,500 | 5,795 |
| Average total loans | $75,461,000 | 4,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 7,841 |
| Cost of funding earning assets | 1.6079% | 7,433 |
| Net interest margin | 3.3820% | 5,730 |
| Noninterest income to average assets | 0.1811% | 7,147 |
| Noninterest expense to average assets | 3.0450% | 3,920 |
| Loan and lease loss provision to assets | 0.7762% | 1,928 |
| Net operating income to assets | -0.2063% | 6,627 |
| Return on assets (ROA) | -0.2063% | 6,473 |
| Pretax return on assets | -0.3716% | 6,521 |
| Return on Equity (ROE) | -1.5130% | 6,436 |
| Retained earnings to average equity (ytd only) | -1.5130% | 5,743 |
| Net charge-offs to loans | -0.0049% | 7,784 |
| Credit loss provision to net charge-offs | -16,433.3333% | 7,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2702% | 1,660 |
| Assets per employee ($millions) | 6.0409% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,185 |
| Loan loss allowance to noncurrent loans | 72.8384% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4580% | 3,303 |
| Noncurrent loans to loans | 1.5265% | 3,500 |
| Net loans and leases to total assets | 94.4494% | 24 |
| Net loans and leases to deposits | 311.4288% | 22 |
| Net loans and leases to core deposits | 358.0124% | 32 |
| Total domestic deposits to total assets | 30.3278% | 8,216 |
| Equity capital to assets | 11.0541% | 2,998 |
| Core capital (leverage) ratio | 11.8879% | 2,032 |
| Tier 1 risk-based capital ratio | 11.3728% | 5,360 |
| Total risk-based capital ratio | 12.4654% | 5,405 |
| Memoranda: | ||
| Average total assets | $63,513,400 | 6,249 |
| Average earning assets | $61,384,400 | 6,116 |
| Average equity | $8,658,200 | 5,858 |
| Average total loans | $61,698,200 | 5,192 |