Home > UMB National Bank of America > Performance and Condition Ratios
UMB National Bank of America, 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 | 2.3958% | 7,067 |
| Cost of funding earning assets | 0.1812% | 6,985 |
| Net interest margin | 2.2146% | 6,985 |
| Noninterest income to average assets | 0.6747% | 2,852 |
| Noninterest expense to average assets | 1.4069% | 6,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9337% | 2,822 |
| Return on assets (ROA) | 1.1045% | 2,262 |
| Pretax return on assets | 1.6691% | 1,365 |
| Return on Equity (ROE) | 10.2280% | 2,240 |
| Retained earnings to average equity (ytd only) | 2.7569% | 4,904 |
| Net charge-offs to loans | 0.1937% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.9454% | 1,297 |
| Efficiency ratio | 49.9391% | 6,595 |
| Assets per employee ($millions) | 7.5951% | 564 |
| Cash dividends to net income (ytd only)* | 73.0460% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,492 |
| Loan loss allowance to noncurrent loans | 48.7150% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,122 |
| Noncurrent loans to loans | 1.7582% | 3,141 |
| Net loans and leases to total assets | 33.0155% | 6,703 |
| Net loans and leases to deposits | 56.2587% | 5,611 |
| Net loans and leases to core deposits | 61.8810% | 5,371 |
| Total domestic deposits to total assets | 58.6851% | 7,079 |
| Equity capital to assets | 12.4402% | 1,936 |
| Core capital (leverage) ratio | 10.0950% | 3,412 |
| Tier 1 risk-based capital ratio | 23.5479% | 1,083 |
| Total risk-based capital ratio | 24.2015% | 1,155 |
| Memoranda: | ||
| Average total assets | $661,027,250 | 1,000 |
| Average earning assets | $639,497,750 | 949 |
| Average equity | $71,383,750 | 995 |
| Average total loans | $201,011,750 | 2,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3340% | 7,147 |
| Cost of funding earning assets | 0.1757% | 7,072 |
| Net interest margin | 2.1583% | 7,060 |
| Noninterest income to average assets | 0.6605% | 2,889 |
| Noninterest expense to average assets | 1.3269% | 7,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9353% | 2,738 |
| Return on assets (ROA) | 1.1821% | 1,980 |
| Pretax return on assets | 1.7945% | 1,056 |
| Return on Equity (ROE) | 11.4399% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.4399% | 671 |
| Net charge-offs to loans | 0.0798% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.1975% | 634 |
| Efficiency ratio | 48.2927% | 6,760 |
| Assets per employee ($millions) | 7.9114% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,315 |
| Loan loss allowance to noncurrent loans | 47.2467% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 5,149 |
| Noncurrent loans to loans | 2.0195% | 2,928 |
| Net loans and leases to total assets | 32.0186% | 6,804 |
| Net loans and leases to deposits | 55.7112% | 5,684 |
| Net loans and leases to core deposits | 61.7755% | 5,411 |
| Total domestic deposits to total assets | 57.4725% | 7,154 |
| Equity capital to assets | 12.1167% | 2,057 |
| Core capital (leverage) ratio | 9.3631% | 4,351 |
| Tier 1 risk-based capital ratio | 24.0073% | 1,010 |
| Total risk-based capital ratio | 24.7270% | 1,060 |
| Memoranda: | ||
| Average total assets | $686,429,670 | 964 |
| Average earning assets | $663,755,670 | 919 |
| Average equity | $70,927,330 | 992 |
| Average total loans | $203,099,330 | 1,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2192% | 7,222 |
| Cost of funding earning assets | 0.1661% | 7,156 |
| Net interest margin | 2.0532% | 7,150 |
| Noninterest income to average assets | 0.6306% | 3,058 |
| Noninterest expense to average assets | 1.2551% | 7,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8938% | 2,946 |
| Return on assets (ROA) | 1.3047% | 1,616 |
| Pretax return on assets | 1.9927% | 744 |
| Return on Equity (ROE) | 13.6144% | 1,275 |
| Retained earnings to average equity (ytd only) | 13.6144% | 608 |
| Net charge-offs to loans | -0.0194% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9857% | 6,807 |
| Assets per employee ($millions) | 8.1103% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,366 |
| Loan loss allowance to noncurrent loans | 49.6847% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 5,300 |
| Noncurrent loans to loans | 1.9489% | 3,222 |
| Net loans and leases to total assets | 32.2632% | 6,819 |
| Net loans and leases to deposits | 55.9521% | 5,605 |
| Net loans and leases to core deposits | 63.7630% | 5,140 |
| Total domestic deposits to total assets | 57.6622% | 7,213 |
| Equity capital to assets | 11.2659% | 2,663 |
| Core capital (leverage) ratio | 9.2989% | 4,370 |
| Tier 1 risk-based capital ratio | 22.6964% | 1,173 |
| Total risk-based capital ratio | 23.4296% | 1,230 |
| Memoranda: | ||
| Average total assets | $725,056,000 | 923 |
| Average earning assets | $700,960,000 | 866 |
| Average equity | $69,485,000 | 1,003 |
| Average total loans | $206,184,500 | 1,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5051% | 7,256 |
| Cost of funding earning assets | 0.2146% | 7,224 |
| Net interest margin | 2.2905% | 7,147 |
| Noninterest income to average assets | 0.6327% | 2,991 |
| Noninterest expense to average assets | 1.3266% | 7,234 |
| Loan and lease loss provision to assets | 0.0505% | 5,958 |
| Net operating income to assets | 0.9866% | 2,248 |
| Return on assets (ROA) | 1.1070% | 1,921 |
| Pretax return on assets | 1.6586% | 1,084 |
| Return on Equity (ROE) | 12.5852% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.5852% | 259 |
| Net charge-offs to loans | 0.1585% | 4,879 |
| Credit loss provision to net charge-offs | 106.5089% | 3,187 |
| Earnings coverage of net charge-offs (x) | 32.2722% | 797 |
| Efficiency ratio | 46.4507% | 7,025 |
| Assets per employee ($millions) | 9.2766% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,435 |
| Loan loss allowance to noncurrent loans | 50.5415% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 5,785 |
| Noncurrent loans to loans | 1.8562% | 3,403 |
| Net loans and leases to total assets | 25.0669% | 7,140 |
| Net loans and leases to deposits | 51.5966% | 6,247 |
| Net loans and leases to core deposits | 61.8288% | 5,675 |
| Total domestic deposits to total assets | 48.5825% | 7,290 |
| Equity capital to assets | 8.3107% | 6,341 |
| Core capital (leverage) ratio | 9.0164% | 4,755 |
| Tier 1 risk-based capital ratio | 18.8459% | 1,944 |
| Total risk-based capital ratio | 19.4757% | 2,093 |
| Memoranda: | ||
| Average total assets | $713,264,200 | 917 |
| Average earning assets | $692,299,600 | 871 |
| Average equity | $62,740,400 | 1,073 |
| Average total loans | $213,206,000 | 1,927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6474% | 7,329 |
| Cost of funding earning assets | 0.2353% | 7,289 |
| Net interest margin | 2.4121% | 7,172 |
| Noninterest income to average assets | 0.6836% | 2,705 |
| Noninterest expense to average assets | 1.4299% | 7,267 |
| Loan and lease loss provision to assets | 0.0701% | 5,578 |
| Net operating income to assets | 1.0180% | 2,258 |
| Return on assets (ROA) | 1.1853% | 1,810 |
| Pretax return on assets | 1.7772% | 995 |
| Return on Equity (ROE) | 13.2543% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.2543% | 353 |
| Net charge-offs to loans | 0.2352% | 3,953 |
| Credit loss provision to net charge-offs | 95.2381% | 3,596 |
| Earnings coverage of net charge-offs (x) | 21.7195% | 1,174 |
| Efficiency ratio | 47.2297% | 7,003 |
| Assets per employee ($millions) | 6.9238% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,480 |
| Loan loss allowance to noncurrent loans | 53.1267% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 5,575 |
| Noncurrent loans to loans | 1.7720% | 3,679 |
| Net loans and leases to total assets | 32.4217% | 7,014 |
| Net loans and leases to deposits | 57.4304% | 5,898 |
| Net loans and leases to core deposits | 72.1816% | 4,692 |
| Total domestic deposits to total assets | 56.4538% | 7,332 |
| Equity capital to assets | 10.6999% | 3,468 |
| Core capital (leverage) ratio | 9.1082% | 4,775 |
| Tier 1 risk-based capital ratio | 21.5284% | 1,364 |
| Total risk-based capital ratio | 22.2559% | 1,431 |
| Memoranda: | ||
| Average total assets | $685,175,750 | 956 |
| Average earning assets | $665,799,750 | 896 |
| Average equity | $61,271,750 | 1,105 |
| Average total loans | $214,278,250 | 1,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6241% | 7,404 |
| Cost of funding earning assets | 0.2418% | 7,368 |
| Net interest margin | 2.3823% | 7,241 |
| Noninterest income to average assets | 0.6466% | 2,871 |
| Noninterest expense to average assets | 1.4536% | 7,332 |
| Loan and lease loss provision to assets | 0.0453% | 5,742 |
| Net operating income to assets | 0.9836% | 2,289 |
| Return on assets (ROA) | 1.0954% | 1,970 |
| Pretax return on assets | 1.6312% | 1,200 |
| Return on Equity (ROE) | 13.0014% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.0014% | 391 |
| Net charge-offs to loans | 0.3904% | 3,000 |
| Credit loss provision to net charge-offs | 37.6471% | 4,860 |
| Earnings coverage of net charge-offs (x) | 12.5365% | 1,622 |
| Efficiency ratio | 49.0534% | 7,002 |
| Assets per employee ($millions) | 6.9598% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 6,918 |
| Loan loss allowance to noncurrent loans | 35.3177% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 5,382 |
| Noncurrent loans to loans | 2.1847% | 3,242 |
| Net loans and leases to total assets | 33.6023% | 7,056 |
| Net loans and leases to deposits | 55.0257% | 6,222 |
| Net loans and leases to core deposits | 70.6316% | 4,999 |
| Total domestic deposits to total assets | 61.0665% | 7,363 |
| Equity capital to assets | 9.8285% | 4,358 |
| Core capital (leverage) ratio | 7.5926% | 6,679 |
| Tier 1 risk-based capital ratio | 20.0603% | 1,598 |
| Total risk-based capital ratio | 20.6751% | 1,703 |
| Memoranda: | ||
| Average total assets | $705,852,670 | 938 |
| Average earning assets | $686,407,000 | 887 |
| Average equity | $59,470,330 | 1,127 |
| Average total loans | $217,719,670 | 1,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5509% | 7,475 |
| Cost of funding earning assets | 0.2441% | 7,446 |
| Net interest margin | 2.3068% | 7,311 |
| Noninterest income to average assets | 0.5686% | 3,377 |
| Noninterest expense to average assets | 1.3252% | 7,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9997% | 2,182 |
| Return on assets (ROA) | 1.1481% | 1,722 |
| Pretax return on assets | 1.7113% | 963 |
| Return on Equity (ROE) | 14.6867% | 873 |
| Retained earnings to average equity (ytd only) | 14.6867% | 421 |
| Net charge-offs to loans | -0.0587% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0758% | 7,155 |
| Assets per employee ($millions) | 6.8683% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,695 |
| Loan loss allowance to noncurrent loans | 61.8136% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 5,920 |
| Noncurrent loans to loans | 1.4588% | 4,278 |
| Net loans and leases to total assets | 33.8937% | 7,096 |
| Net loans and leases to deposits | 54.5459% | 6,250 |
| Net loans and leases to core deposits | 73.4563% | 4,594 |
| Total domestic deposits to total assets | 62.1379% | 7,401 |
| Equity capital to assets | 9.1895% | 4,887 |
| Core capital (leverage) ratio | 7.4729% | 6,745 |
| Tier 1 risk-based capital ratio | 18.7727% | 1,876 |
| Total risk-based capital ratio | 19.4725% | 2,007 |
| Memoranda: | ||
| Average total assets | $738,628,000 | 908 |
| Average earning assets | $719,271,500 | 852 |
| Average equity | $57,739,500 | 1,146 |
| Average total loans | $218,165,000 | 1,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5986% | 7,537 |
| Cost of funding earning assets | 0.2991% | 7,505 |
| Net interest margin | 2.2995% | 7,370 |
| Noninterest income to average assets | 0.5662% | 3,705 |
| Noninterest expense to average assets | 1.3525% | 7,502 |
| Loan and lease loss provision to assets | 0.0979% | 6,167 |
| Net operating income to assets | 0.9093% | 2,346 |
| Return on assets (ROA) | 0.9691% | 2,254 |
| Pretax return on assets | 1.4384% | 1,543 |
| Return on Equity (ROE) | 11.5192% | 1,446 |
| Retained earnings to average equity (ytd only) | -3.2322% | 6,120 |
| Net charge-offs to loans | 0.2264% | 4,931 |
| Credit loss provision to net charge-offs | 144.0162% | 2,587 |
| Earnings coverage of net charge-offs (x) | 21.2880% | 976 |
| Efficiency ratio | 48.3107% | 7,249 |
| Assets per employee ($millions) | 9.2143% | 307 |
| Cash dividends to net income (ytd only)* | 128.0592% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 6,751 |
| Loan loss allowance to noncurrent loans | 148.1651% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,794 |
| Noncurrent loans to loans | 0.6004% | 5,837 |
| Net loans and leases to total assets | 25.7512% | 7,438 |
| Net loans and leases to deposits | 54.7680% | 6,546 |
| Net loans and leases to core deposits | 70.6892% | 5,374 |
| Total domestic deposits to total assets | 47.0188% | 7,572 |
| Equity capital to assets | 6.7717% | 7,188 |
| Core capital (leverage) ratio | 7.8731% | 6,354 |
| Tier 1 risk-based capital ratio | 16.0187% | 2,742 |
| Total risk-based capital ratio | 16.6308% | 3,011 |
| Memoranda: | ||
| Average total assets | $725,231,200 | 922 |
| Average earning assets | $704,428,400 | 875 |
| Average equity | $61,011,200 | 1,093 |
| Average total loans | $217,784,400 | 1,985 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7278% | 7,657 |
| Cost of funding earning assets | 0.3235% | 7,619 |
| Net interest margin | 2.4043% | 7,438 |
| Noninterest income to average assets | 0.5944% | 3,475 |
| Noninterest expense to average assets | 1.3922% | 7,595 |
| Loan and lease loss provision to assets | 0.0593% | 6,475 |
| Net operating income to assets | 0.9878% | 2,285 |
| Return on assets (ROA) | 1.0641% | 2,136 |
| Pretax return on assets | 1.5883% | 1,374 |
| Return on Equity (ROE) | 11.9477% | 1,517 |
| Retained earnings to average equity (ytd only) | -7.3852% | 6,734 |
| Net charge-offs to loans | 0.2253% | 4,583 |
| Credit loss provision to net charge-offs | 84.2391% | 4,989 |
| Earnings coverage of net charge-offs (x) | 21.7855% | 1,121 |
| Efficiency ratio | 47.5808% | 7,294 |
| Assets per employee ($millions) | 6.7538% | 856 |
| Cash dividends to net income (ytd only)* | 161.8124% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 7,098 |
| Loan loss allowance to noncurrent loans | 95.8501% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,624 |
| Noncurrent loans to loans | 0.7885% | 5,634 |
| Net loans and leases to total assets | 34.7657% | 7,318 |
| Net loans and leases to deposits | 51.7918% | 6,895 |
| Net loans and leases to core deposits | 76.3271% | 5,017 |
| Total domestic deposits to total assets | 67.1259% | 7,422 |
| Equity capital to assets | 9.2929% | 5,158 |
| Core capital (leverage) ratio | 7.7056% | 6,668 |
| Tier 1 risk-based capital ratio | 17.5100% | 2,170 |
| Total risk-based capital ratio | 18.1012% | 2,357 |
| Memoranda: | ||
| Average total assets | $696,913,250 | 958 |
| Average earning assets | $675,833,000 | 909 |
| Average equity | $62,068,750 | 1,083 |
| Average total loans | $217,764,750 | 2,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6673% | 7,738 |
| Cost of funding earning assets | 0.3251% | 7,704 |
| Net interest margin | 2.3422% | 7,514 |
| Noninterest income to average assets | 0.5771% | 3,499 |
| Noninterest expense to average assets | 1.3306% | 7,698 |
| Loan and lease loss provision to assets | 0.0861% | 6,064 |
| Net operating income to assets | 0.9568% | 2,340 |
| Return on assets (ROA) | 1.0524% | 2,080 |
| Pretax return on assets | 1.5748% | 1,373 |
| Return on Equity (ROE) | 11.9680% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.9680% | 498 |
| Net charge-offs to loans | 0.2286% | 4,229 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 22.0323% | 1,150 |
| Efficiency ratio | 46.7083% | 7,407 |
| Assets per employee ($millions) | 7.1436% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 6,999 |
| Loan loss allowance to noncurrent loans | 22.3518% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 4,643 |
| Noncurrent loans to loans | 3.6472% | 2,162 |
| Net loans and leases to total assets | 33.3707% | 7,439 |
| Net loans and leases to deposits | 52.7205% | 6,934 |
| Net loans and leases to core deposits | 75.3003% | 5,281 |
| Total domestic deposits to total assets | 63.2974% | 7,605 |
| Equity capital to assets | 10.0413% | 3,968 |
| Core capital (leverage) ratio | 8.0313% | 6,231 |
| Tier 1 risk-based capital ratio | 20.0839% | 1,504 |
| Total risk-based capital ratio | 20.7179% | 1,587 |
| Memoranda: | ||
| Average total assets | $719,849,330 | 934 |
| Average earning assets | $698,151,330 | 884 |
| Average equity | $63,302,000 | 1,053 |
| Average total loans | $217,010,330 | 2,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5915% | 7,846 |
| Cost of funding earning assets | 0.3229% | 7,810 |
| Net interest margin | 2.2685% | 7,612 |
| Noninterest income to average assets | 0.5300% | 3,816 |
| Noninterest expense to average assets | 1.2354% | 7,821 |
| Loan and lease loss provision to assets | 0.1113% | 5,505 |
| Net operating income to assets | 0.9216% | 2,467 |
| Return on assets (ROA) | 1.0419% | 2,087 |
| Pretax return on assets | 1.5635% | 1,353 |
| Return on Equity (ROE) | 12.6197% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.6197% | 669 |
| Net charge-offs to loans | 0.3183% | 3,138 |
| Credit loss provision to net charge-offs | 122.0930% | 2,867 |
| Earnings coverage of net charge-offs (x) | 16.4012% | 1,332 |
| Efficiency ratio | 45.2446% | 7,580 |
| Assets per employee ($millions) | 7.1844% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 7,092 |
| Loan loss allowance to noncurrent loans | 119.4162% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,887 |
| Noncurrent loans to loans | 0.6799% | 5,972 |
| Net loans and leases to total assets | 33.2347% | 7,525 |
| Net loans and leases to deposits | 50.0415% | 7,122 |
| Net loans and leases to core deposits | 67.6171% | 6,135 |
| Total domestic deposits to total assets | 66.4144% | 7,601 |
| Equity capital to assets | 9.7568% | 4,166 |
| Core capital (leverage) ratio | 7.5880% | 6,749 |
| Tier 1 risk-based capital ratio | 19.5473% | 1,609 |
| Total risk-based capital ratio | 20.1764% | 1,697 |
| Memoranda: | ||
| Average total assets | $754,740,000 | 921 |
| Average earning assets | $732,098,500 | 856 |
| Average equity | $62,315,500 | 1,073 |
| Average total loans | $216,158,000 | 2,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 7,869 |
| Cost of funding earning assets | 0.4622% | 7,856 |
| Net interest margin | 2.6487% | 7,279 |
| Noninterest income to average assets | 0.5707% | 3,852 |
| Noninterest expense to average assets | 1.3178% | 7,863 |
| Loan and lease loss provision to assets | 0.0425% | 7,128 |
| Net operating income to assets | 1.1759% | 1,311 |
| Return on assets (ROA) | 1.2348% | 1,219 |
| Pretax return on assets | 1.8476% | 575 |
| Return on Equity (ROE) | 13.1695% | 925 |
| Retained earnings to average equity (ytd only) | -22.9764% | 7,200 |
| Net charge-offs to loans | 0.1602% | 5,673 |
| Credit loss provision to net charge-offs | 85.4701% | 6,150 |
| Earnings coverage of net charge-offs (x) | 36.2792% | 652 |
| Efficiency ratio | 42.2390% | 7,816 |
| Assets per employee ($millions) | 9.4823% | 303 |
| Cash dividends to net income (ytd only)* | 274.4671% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 7,136 |
| Loan loss allowance to noncurrent loans | 49.6108% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 6,451 |
| Noncurrent loans to loans | 1.6085% | 4,246 |
| Net loans and leases to total assets | 24.7938% | 7,795 |
| Net loans and leases to deposits | 45.8898% | 7,447 |
| Net loans and leases to core deposits | 61.0095% | 7,227 |
| Total domestic deposits to total assets | 54.0290% | 7,879 |
| Equity capital to assets | 7.1324% | 7,305 |
| Core capital (leverage) ratio | 8.5184% | 5,253 |
| Tier 1 risk-based capital ratio | 16.5569% | 2,293 |
| Total risk-based capital ratio | 17.0976% | 2,522 |
| Memoranda: | ||
| Average total assets | $706,645,200 | 968 |
| Average earning assets | $680,060,000 | 911 |
| Average equity | $66,259,400 | 997 |
| Average total loans | $219,076,800 | 2,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 7,949 |
| Cost of funding earning assets | 0.5250% | 7,928 |
| Net interest margin | 2.8531% | 6,963 |
| Noninterest income to average assets | 0.6077% | 3,633 |
| Noninterest expense to average assets | 1.4042% | 7,921 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2897% | 1,249 |
| Return on assets (ROA) | 1.3717% | 1,141 |
| Pretax return on assets | 2.0661% | 481 |
| Return on Equity (ROE) | 13.5785% | 1,003 |
| Retained earnings to average equity (ytd only) | -25.4686% | 7,495 |
| Net charge-offs to loans | 0.2019% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 29.1981% | 948 |
| Efficiency ratio | 41.9661% | 7,887 |
| Assets per employee ($millions) | 6.3455% | 1,058 |
| Cash dividends to net income (ytd only)* | 287.5657% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 7,493 |
| Loan loss allowance to noncurrent loans | 399.7222% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,404 |
| Noncurrent loans to loans | 0.1618% | 7,078 |
| Net loans and leases to total assets | 38.7110% | 7,523 |
| Net loans and leases to deposits | 54.3753% | 7,186 |
| Net loans and leases to core deposits | 77.5367% | 6,524 |
| Total domestic deposits to total assets | 71.1923% | 7,316 |
| Equity capital to assets | 11.3185% | 2,730 |
| Core capital (leverage) ratio | 8.9603% | 4,704 |
| Tier 1 risk-based capital ratio | 20.7503% | 1,408 |
| Total risk-based capital ratio | 21.2928% | 1,496 |
| Memoranda: | ||
| Average total assets | $667,585,250 | 1,047 |
| Average earning assets | $640,743,250 | 987 |
| Average equity | $67,438,250 | 987 |
| Average total loans | $219,930,250 | 2,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 8,051 |
| Cost of funding earning assets | 0.5158% | 8,036 |
| Net interest margin | 2.7877% | 7,035 |
| Noninterest income to average assets | 0.5816% | 3,825 |
| Noninterest expense to average assets | 1.3413% | 8,042 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2799% | 1,278 |
| Return on assets (ROA) | 1.3193% | 1,258 |
| Pretax return on assets | 1.9839% | 591 |
| Return on Equity (ROE) | 13.5028% | 1,071 |
| Retained earnings to average equity (ytd only) | -44.2702% | 7,863 |
| Net charge-offs to loans | 0.0173% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 354.4737% | 106 |
| Efficiency ratio | 41.0658% | 8,001 |
| Assets per employee ($millions) | 6.5383% | 949 |
| Cash dividends to net income (ytd only)* | 427.8596% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 7,159 |
| Loan loss allowance to noncurrent loans | 333.9048% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 7,366 |
| Noncurrent loans to loans | 0.2392% | 6,915 |
| Net loans and leases to total assets | 35.8137% | 7,711 |
| Net loans and leases to deposits | 51.4044% | 7,411 |
| Net loans and leases to core deposits | 72.5617% | 6,866 |
| Total domestic deposits to total assets | 69.6706% | 7,501 |
| Equity capital to assets | 10.2960% | 3,623 |
| Core capital (leverage) ratio | 8.0679% | 6,222 |
| Tier 1 risk-based capital ratio | 19.5376% | 1,671 |
| Total risk-based capital ratio | 20.1865% | 1,749 |
| Memoranda: | ||
| Average total assets | $699,747,670 | 1,006 |
| Average earning assets | $673,888,670 | 941 |
| Average equity | $68,371,000 | 980 |
| Average total loans | $219,068,000 | 2,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2368% | 8,120 |
| Cost of funding earning assets | 0.5045% | 8,099 |
| Net interest margin | 2.7322% | 7,135 |
| Noninterest income to average assets | 0.5510% | 3,912 |
| Noninterest expense to average assets | 1.1588% | 8,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3455% | 1,275 |
| Return on assets (ROA) | 1.3455% | 1,367 |
| Pretax return on assets | 2.0274% | 637 |
| Return on Equity (ROE) | 14.0793% | 1,153 |
| Retained earnings to average equity (ytd only) | -81.3546% | 8,118 |
| Net charge-offs to loans | 0.0256% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 269.9286% | 153 |
| Efficiency ratio | 36.3698% | 8,104 |
| Assets per employee ($millions) | 6.9705% | 787 |
| Cash dividends to net income (ytd only)* | 677.8309% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 7,108 |
| Loan loss allowance to noncurrent loans | 307.3427% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 7,330 |
| Noncurrent loans to loans | 0.2649% | 6,773 |
| Net loans and leases to total assets | 32.6807% | 7,845 |
| Net loans and leases to deposits | 58.0712% | 7,029 |
| Net loans and leases to core deposits | 75.3605% | 6,722 |
| Total domestic deposits to total assets | 56.2770% | 8,039 |
| Equity capital to assets | 9.7285% | 4,337 |
| Core capital (leverage) ratio | 7.8445% | 6,701 |
| Tier 1 risk-based capital ratio | 19.3426% | 1,749 |
| Total risk-based capital ratio | 19.9790% | 1,825 |
| Memoranda: | ||
| Average total assets | $745,590,000 | 936 |
| Average earning assets | $719,115,500 | 891 |
| Average equity | $71,253,500 | 947 |
| Average total loans | $218,840,500 | 2,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 8,082 |
| Cost of funding earning assets | 1.2459% | 7,894 |
| Net interest margin | 2.9205% | 7,107 |
| Noninterest income to average assets | 0.7085% | 3,066 |
| Noninterest expense to average assets | 1.3227% | 8,111 |
| Loan and lease loss provision to assets | 0.0374% | 6,941 |
| Net operating income to assets | 1.4143% | 1,198 |
| Return on assets (ROA) | 1.4517% | 1,074 |
| Pretax return on assets | 2.1951% | 406 |
| Return on Equity (ROE) | 13.4287% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.4287% | 146 |
| Net charge-offs to loans | 0.0235% | 6,518 |
| Credit loss provision to net charge-offs | 480.7692% | 918 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 176 |
| Efficiency ratio | 37.8070% | 8,164 |
| Assets per employee ($millions) | 9.1863% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 7,114 |
| Loan loss allowance to noncurrent loans | 1,687.6190% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 7,568 |
| Noncurrent loans to loans | 0.0473% | 7,318 |
| Net loans and leases to total assets | 26.3194% | 8,064 |
| Net loans and leases to deposits | 59.1232% | 7,143 |
| Net loans and leases to core deposits | 70.2717% | 7,173 |
| Total domestic deposits to total assets | 44.5163% | 8,164 |
| Equity capital to assets | 9.4219% | 4,795 |
| Core capital (leverage) ratio | 10.9048% | 2,667 |
| Tier 1 risk-based capital ratio | 21.4066% | 1,408 |
| Total risk-based capital ratio | 21.9651% | 1,476 |
| Memoranda: | ||
| Average total assets | $669,163,600 | 996 |
| Average earning assets | $639,277,200 | 950 |
| Average equity | $72,337,400 | 917 |
| Average total loans | $221,319,000 | 2,115 |