Home > Wood County National Bank > Performance and Condition Ratios
Wood County National Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 1,680 |
| Cost of funding earning assets | 0.7218% | 5,393 |
| Net interest margin | 4.5848% | 951 |
| Noninterest income to average assets | 1.7155% | 481 |
| Noninterest expense to average assets | 4.8641% | 426 |
| Loan and lease loss provision to assets | 0.7051% | 1,448 |
| Net operating income to assets | 0.0626% | 5,937 |
| Return on assets (ROA) | 0.0626% | 6,051 |
| Pretax return on assets | 0.0626% | 6,032 |
| Return on Equity (ROE) | 0.5066% | 6,060 |
| Retained earnings to average equity (ytd only) | -0.9021% | 5,988 |
| Net charge-offs to loans | 0.5110% | 2,947 |
| Credit loss provision to net charge-offs | 225.3659% | 1,077 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 3,985 |
| Efficiency ratio | 86.3686% | 1,510 |
| Assets per employee ($millions) | 4.2797% | 3,304 |
| Cash dividends to net income (ytd only)* | 278.0488% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 2,820 |
| Loan loss allowance to noncurrent loans | 211.3703% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1418% | 4,334 |
| Noncurrent loans to loans | 0.8593% | 4,969 |
| Net loans and leases to total assets | 61.0468% | 3,773 |
| Net loans and leases to deposits | 70.0492% | 4,089 |
| Net loans and leases to core deposits | 70.7932% | 4,672 |
| Total domestic deposits to total assets | 87.1485% | 2,671 |
| Equity capital to assets | 12.4807% | 1,810 |
| Core capital (leverage) ratio | 9.9318% | 3,420 |
| Tier 1 risk-based capital ratio | 16.6370% | 2,761 |
| Total risk-based capital ratio | 17.8947% | 2,718 |
| Memoranda: | ||
| Average total assets | $65,520,200 | 5,883 |
| Average earning assets | $55,967,400 | 5,985 |
| Average equity | $8,092,600 | 5,543 |
| Average total loans | $40,113,600 | 5,688 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 1,580 |
| Cost of funding earning assets | 0.7380% | 5,539 |
| Net interest margin | 4.6399% | 872 |
| Noninterest income to average assets | 1.6663% | 491 |
| Noninterest expense to average assets | 4.5718% | 543 |
| Loan and lease loss provision to assets | 0.5851% | 1,681 |
| Net operating income to assets | 0.4556% | 4,746 |
| Return on assets (ROA) | 0.4556% | 4,939 |
| Pretax return on assets | 0.4556% | 5,300 |
| Return on Equity (ROE) | 3.6978% | 5,125 |
| Retained earnings to average equity (ytd only) | 1.8243% | 5,223 |
| Net charge-offs to loans | 0.5046% | 2,742 |
| Credit loss provision to net charge-offs | 190.1316% | 1,532 |
| Earnings coverage of net charge-offs (x) | 3.3816% | 3,462 |
| Efficiency ratio | 81.4574% | 2,046 |
| Assets per employee ($millions) | 3.9344% | 3,994 |
| Cash dividends to net income (ytd only)* | 50.6684% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,400 |
| Loan loss allowance to noncurrent loans | 114.8008% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 4,288 |
| Noncurrent loans to loans | 1.2487% | 4,452 |
| Net loans and leases to total assets | 62.1933% | 3,676 |
| Net loans and leases to deposits | 71.4853% | 4,066 |
| Net loans and leases to core deposits | 72.2125% | 4,684 |
| Total domestic deposits to total assets | 87.0016% | 2,658 |
| Equity capital to assets | 12.2733% | 2,040 |
| Core capital (leverage) ratio | 10.1422% | 3,256 |
| Tier 1 risk-based capital ratio | 16.1189% | 3,055 |
| Total risk-based capital ratio | 17.3720% | 3,016 |
| Memoranda: | ||
| Average total assets | $65,851,500 | 5,915 |
| Average earning assets | $56,006,000 | 6,029 |
| Average equity | $8,112,750 | 5,562 |
| Average total loans | $40,163,500 | 5,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,503 |
| Cost of funding earning assets | 0.7536% | 5,646 |
| Net interest margin | 4.3878% | 1,405 |
| Noninterest income to average assets | 1.6151% | 501 |
| Noninterest expense to average assets | 4.5858% | 543 |
| Loan and lease loss provision to assets | 0.2748% | 3,187 |
| Net operating income to assets | 0.4519% | 4,712 |
| Return on assets (ROA) | 0.4519% | 4,850 |
| Pretax return on assets | 0.4519% | 5,222 |
| Return on Equity (ROE) | 3.6631% | 5,085 |
| Retained earnings to average equity (ytd only) | 0.8415% | 5,531 |
| Net charge-offs to loans | 0.2837% | 3,460 |
| Credit loss provision to net charge-offs | 160.7143% | 1,886 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,916 |
| Efficiency ratio | 86.3218% | 1,567 |
| Assets per employee ($millions) | 2.7329% | 6,591 |
| Cash dividends to net income (ytd only)* | 77.0270% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,370 |
| Loan loss allowance to noncurrent loans | 392.1875% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 5,570 |
| Noncurrent loans to loans | 0.3159% | 6,284 |
| Net loans and leases to total assets | 61.0102% | 4,085 |
| Net loans and leases to deposits | 70.2368% | 4,409 |
| Net loans and leases to core deposits | 70.9667% | 4,956 |
| Total domestic deposits to total assets | 86.8637% | 2,809 |
| Equity capital to assets | 12.4243% | 1,830 |
| Core capital (leverage) ratio | 10.0475% | 3,206 |
| Tier 1 risk-based capital ratio | 16.7097% | 2,648 |
| Total risk-based capital ratio | 17.9855% | 2,591 |
| Memoranda: | ||
| Average total assets | $65,507,000 | 5,972 |
| Average earning assets | $55,198,330 | 6,115 |
| Average equity | $8,080,670 | 5,589 |
| Average total loans | $39,483,670 | 5,822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 3,004 |
| Cost of funding earning assets | 0.7580% | 5,816 |
| Net interest margin | 4.2635% | 1,688 |
| Noninterest income to average assets | 1.5947% | 521 |
| Noninterest expense to average assets | 4.6314% | 519 |
| Loan and lease loss provision to assets | 0.2139% | 3,513 |
| Net operating income to assets | 0.3238% | 5,293 |
| Return on assets (ROA) | 0.3238% | 5,370 |
| Pretax return on assets | 0.3238% | 5,585 |
| Return on Equity (ROE) | 2.6347% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.6347% | 4,588 |
| Net charge-offs to loans | 0.2772% | 2,958 |
| Credit loss provision to net charge-offs | 129.6296% | 2,135 |
| Earnings coverage of net charge-offs (x) | 3.2593% | 2,800 |
| Efficiency ratio | 89.5981% | 1,368 |
| Assets per employee ($millions) | 2.6308% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,507 |
| Loan loss allowance to noncurrent loans | 182.3755% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 4,470 |
| Noncurrent loans to loans | 0.6711% | 5,689 |
| Net loans and leases to total assets | 58.4081% | 4,575 |
| Net loans and leases to deposits | 67.0138% | 4,823 |
| Net loans and leases to core deposits | 67.7024% | 5,329 |
| Total domestic deposits to total assets | 87.1583% | 2,851 |
| Equity capital to assets | 12.2731% | 1,753 |
| Core capital (leverage) ratio | 10.2357% | 2,885 |
| Tier 1 risk-based capital ratio | 17.0880% | 2,442 |
| Total risk-based capital ratio | 18.3415% | 2,415 |
| Memoranda: | ||
| Average total assets | $65,466,000 | 6,013 |
| Average earning assets | $54,884,500 | 6,170 |
| Average equity | $8,046,500 | 5,592 |
| Average total loans | $38,966,500 | 5,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 3,712 |
| Cost of funding earning assets | 0.8113% | 6,516 |
| Net interest margin | 4.3662% | 1,597 |
| Noninterest income to average assets | 2.0742% | 372 |
| Noninterest expense to average assets | 4.7990% | 499 |
| Loan and lease loss provision to assets | 0.2022% | 5,220 |
| Net operating income to assets | 0.5864% | 3,732 |
| Return on assets (ROA) | 0.5864% | 3,894 |
| Pretax return on assets | 0.7008% | 3,973 |
| Return on Equity (ROE) | 4.6835% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.6781% | 4,677 |
| Net charge-offs to loans | 0.2304% | 4,901 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 6.6977% | 2,301 |
| Efficiency ratio | 84.1628% | 1,897 |
| Assets per employee ($millions) | 2.2470% | 7,261 |
| Cash dividends to net income (ytd only)* | 64.1711% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,518 |
| Loan loss allowance to noncurrent loans | 154.9669% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 4,368 |
| Noncurrent loans to loans | 0.7735% | 5,496 |
| Net loans and leases to total assets | 59.1971% | 4,805 |
| Net loans and leases to deposits | 68.0798% | 5,092 |
| Net loans and leases to core deposits | 69.2668% | 5,513 |
| Total domestic deposits to total assets | 86.9525% | 2,848 |
| Equity capital to assets | 12.3093% | 1,737 |
| Core capital (leverage) ratio | 10.2736% | 2,795 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,332 |
| Total risk-based capital ratio | 18.2892% | 2,299 |
| Memoranda: | ||
| Average total assets | $63,784,000 | 6,067 |
| Average earning assets | $52,998,400 | 6,253 |
| Average equity | $7,985,400 | 5,716 |
| Average total loans | $37,323,800 | 6,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 4,067 |
| Cost of funding earning assets | 0.8331% | 6,642 |
| Net interest margin | 4.3197% | 1,778 |
| Noninterest income to average assets | 2.0996% | 355 |
| Noninterest expense to average assets | 4.8297% | 435 |
| Loan and lease loss provision to assets | 0.1450% | 5,583 |
| Net operating income to assets | 0.6032% | 3,868 |
| Return on assets (ROA) | 0.6032% | 4,024 |
| Pretax return on assets | 0.7104% | 4,195 |
| Return on Equity (ROE) | 4.7973% | 4,410 |
| Retained earnings to average equity (ytd only) | 1.7885% | 5,073 |
| Net charge-offs to loans | 0.1699% | 4,947 |
| Credit loss provision to net charge-offs | 146.8085% | 2,676 |
| Earnings coverage of net charge-offs (x) | 8.6588% | 2,128 |
| Efficiency ratio | 84.9538% | 1,735 |
| Assets per employee ($millions) | 2.1800% | 7,402 |
| Cash dividends to net income (ytd only)* | 62.7162% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,784 |
| Loan loss allowance to noncurrent loans | 356.8000% | 828 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 4,566 |
| Noncurrent loans to loans | 0.3183% | 6,559 |
| Net loans and leases to total assets | 61.4182% | 4,646 |
| Net loans and leases to deposits | 71.0290% | 4,990 |
| Net loans and leases to core deposits | 72.3108% | 5,475 |
| Total domestic deposits to total assets | 86.4693% | 2,817 |
| Equity capital to assets | 12.6734% | 1,769 |
| Core capital (leverage) ratio | 10.5330% | 2,651 |
| Tier 1 risk-based capital ratio | 17.0978% | 2,303 |
| Total risk-based capital ratio | 18.2873% | 2,290 |
| Memoranda: | ||
| Average total assets | $63,439,500 | 6,146 |
| Average earning assets | $52,656,250 | 6,343 |
| Average equity | $7,976,500 | 5,798 |
| Average total loans | $36,894,250 | 6,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 4,225 |
| Cost of funding earning assets | 0.8655% | 6,712 |
| Net interest margin | 4.2779% | 1,860 |
| Noninterest income to average assets | 1.9555% | 362 |
| Noninterest expense to average assets | 4.7959% | 435 |
| Loan and lease loss provision to assets | -0.0630% | 7,763 |
| Net operating income to assets | 0.6644% | 3,560 |
| Return on assets (ROA) | 0.6644% | 3,706 |
| Pretax return on assets | 0.7558% | 4,042 |
| Return on Equity (ROE) | 5.2984% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.2851% | 4,703 |
| Net charge-offs to loans | 0.2050% | 4,387 |
| Credit loss provision to net charge-offs | -54.0541% | 6,640 |
| Earnings coverage of net charge-offs (x) | 5.9459% | 2,564 |
| Efficiency ratio | 87.3781% | 1,571 |
| Assets per employee ($millions) | 2.1383% | 7,483 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,245 |
| Loan loss allowance to noncurrent loans | 250.3401% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 4,259 |
| Noncurrent loans to loans | 0.4138% | 6,415 |
| Net loans and leases to total assets | 56.6890% | 5,596 |
| Net loans and leases to deposits | 65.5638% | 5,868 |
| Net loans and leases to core deposits | 66.7692% | 6,180 |
| Total domestic deposits to total assets | 86.4639% | 2,842 |
| Equity capital to assets | 12.8701% | 1,621 |
| Core capital (leverage) ratio | 10.2563% | 2,886 |
| Tier 1 risk-based capital ratio | 18.1514% | 1,917 |
| Total risk-based capital ratio | 19.1960% | 1,940 |
| Memoranda: | ||
| Average total assets | $63,513,000 | 6,193 |
| Average earning assets | $52,455,670 | 6,389 |
| Average equity | $7,964,670 | 5,821 |
| Average total loans | $36,101,000 | 6,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 4,460 |
| Cost of funding earning assets | 0.8888% | 6,815 |
| Net interest margin | 4.2257% | 1,947 |
| Noninterest income to average assets | 1.8424% | 381 |
| Noninterest expense to average assets | 4.7430% | 465 |
| Loan and lease loss provision to assets | -0.0934% | 7,868 |
| Net operating income to assets | 0.6411% | 3,705 |
| Return on assets (ROA) | 0.6411% | 3,823 |
| Pretax return on assets | 0.6847% | 4,289 |
| Return on Equity (ROE) | 5.1782% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.1782% | 3,052 |
| Net charge-offs to loans | 0.2088% | 3,666 |
| Credit loss provision to net charge-offs | -78.9474% | 6,038 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,492 |
| Efficiency ratio | 88.9148% | 1,513 |
| Assets per employee ($millions) | 2.1233% | 7,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,958 |
| Loan loss allowance to noncurrent loans | 113.3333% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 4,562 |
| Noncurrent loans to loans | 0.9801% | 5,368 |
| Net loans and leases to total assets | 54.6445% | 5,934 |
| Net loans and leases to deposits | 62.9030% | 6,182 |
| Net loans and leases to core deposits | 64.0206% | 6,450 |
| Total domestic deposits to total assets | 86.8711% | 2,693 |
| Equity capital to assets | 12.5591% | 1,721 |
| Core capital (leverage) ratio | 10.2759% | 2,835 |
| Tier 1 risk-based capital ratio | 18.2320% | 1,889 |
| Total risk-based capital ratio | 19.3448% | 1,894 |
| Memoranda: | ||
| Average total assets | $64,263,500 | 6,233 |
| Average earning assets | $53,103,000 | 6,436 |
| Average equity | $7,956,500 | 5,866 |
| Average total loans | $36,390,500 | 6,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 5,218 |
| Cost of funding earning assets | 1.3466% | 6,156 |
| Net interest margin | 3.9449% | 3,103 |
| Noninterest income to average assets | 1.8498% | 435 |
| Noninterest expense to average assets | 4.4682% | 819 |
| Loan and lease loss provision to assets | 0.5511% | 3,616 |
| Net operating income to assets | 0.1906% | 4,928 |
| Return on assets (ROA) | 0.1906% | 4,999 |
| Pretax return on assets | 0.1728% | 5,067 |
| Return on Equity (ROE) | 1.6133% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.8571% | 4,422 |
| Net charge-offs to loans | 0.7165% | 3,038 |
| Credit loss provision to net charge-offs | 140.1515% | 3,473 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 4,344 |
| Efficiency ratio | 86.0585% | 2,105 |
| Assets per employee ($millions) | 2.1609% | 7,605 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,745 |
| Loan loss allowance to noncurrent loans | 90.2335% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 4,388 |
| Noncurrent loans to loans | 1.2533% | 4,847 |
| Net loans and leases to total assets | 57.3163% | 5,774 |
| Net loans and leases to deposits | 65.6983% | 6,086 |
| Net loans and leases to core deposits | 75.4855% | 6,436 |
| Total domestic deposits to total assets | 87.2416% | 2,365 |
| Equity capital to assets | 12.2061% | 1,905 |
| Core capital (leverage) ratio | 10.0392% | 3,046 |
| Tier 1 risk-based capital ratio | 17.2590% | 2,086 |
| Total risk-based capital ratio | 18.4255% | 2,066 |
| Memoranda: | ||
| Average total assets | $67,140,800 | 6,105 |
| Average earning assets | $56,883,200 | 6,254 |
| Average equity | $7,934,000 | 5,944 |
| Average total loans | $36,845,800 | 6,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 5,357 |
| Cost of funding earning assets | 1.4751% | 5,935 |
| Net interest margin | 3.8380% | 3,488 |
| Noninterest income to average assets | 1.8685% | 425 |
| Noninterest expense to average assets | 4.3611% | 852 |
| Loan and lease loss provision to assets | 0.5670% | 3,117 |
| Net operating income to assets | 0.2166% | 5,098 |
| Return on assets (ROA) | 0.2166% | 5,182 |
| Pretax return on assets | 0.2087% | 5,280 |
| Return on Equity (ROE) | 1.8473% | 5,219 |
| Retained earnings to average equity (ytd only) | 1.8473% | 4,284 |
| Net charge-offs to loans | 0.6364% | 2,776 |
| Credit loss provision to net charge-offs | 164.5714% | 2,858 |
| Earnings coverage of net charge-offs (x) | 2.2514% | 4,137 |
| Efficiency ratio | 84.8984% | 2,197 |
| Assets per employee ($millions) | 1.9783% | 7,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,244 |
| Loan loss allowance to noncurrent loans | 101.8868% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 4,965 |
| Noncurrent loans to loans | 1.1559% | 5,008 |
| Net loans and leases to total assets | 57.2618% | 6,000 |
| Net loans and leases to deposits | 66.0165% | 6,307 |
| Net loans and leases to core deposits | 77.3081% | 6,539 |
| Total domestic deposits to total assets | 86.7386% | 2,307 |
| Equity capital to assets | 12.6343% | 1,866 |
| Core capital (leverage) ratio | 9.5616% | 3,831 |
| Tier 1 risk-based capital ratio | 18.0888% | 1,958 |
| Total risk-based capital ratio | 19.3204% | 1,920 |
| Memoranda: | ||
| Average total assets | $67,719,000 | 6,118 |
| Average earning assets | $57,667,500 | 6,275 |
| Average equity | $7,939,250 | 6,004 |
| Average total loans | $36,661,750 | 6,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2558% | 5,838 |
| Cost of funding earning assets | 1.6570% | 5,485 |
| Net interest margin | 3.5987% | 4,364 |
| Noninterest income to average assets | 1.8326% | 434 |
| Noninterest expense to average assets | 4.2954% | 950 |
| Loan and lease loss provision to assets | 0.5348% | 2,892 |
| Net operating income to assets | 0.0780% | 5,627 |
| Return on assets (ROA) | 0.0780% | 5,721 |
| Pretax return on assets | 0.0723% | 5,735 |
| Return on Equity (ROE) | 0.6818% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.6818% | 4,919 |
| Net charge-offs to loans | 0.7584% | 2,161 |
| Credit loss provision to net charge-offs | 133.0935% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.5108% | 4,402 |
| Efficiency ratio | 87.6179% | 2,058 |
| Assets per employee ($millions) | 2.1629% | 7,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,217 |
| Loan loss allowance to noncurrent loans | 95.3003% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 5,306 |
| Noncurrent loans to loans | 1.0522% | 5,109 |
| Net loans and leases to total assets | 52.0632% | 6,685 |
| Net loans and leases to deposits | 59.3042% | 6,945 |
| Net loans and leases to core deposits | 71.6131% | 6,922 |
| Total domestic deposits to total assets | 87.7900% | 1,878 |
| Equity capital to assets | 11.4067% | 2,597 |
| Core capital (leverage) ratio | 9.1011% | 4,464 |
| Tier 1 risk-based capital ratio | 16.9978% | 2,302 |
| Total risk-based capital ratio | 17.9886% | 2,331 |
| Memoranda: | ||
| Average total assets | $69,190,670 | 6,103 |
| Average earning assets | $59,021,000 | 6,271 |
| Average equity | $7,919,670 | 6,052 |
| Average total loans | $36,655,330 | 6,364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 5,732 |
| Cost of funding earning assets | 1.7846% | 5,185 |
| Net interest margin | 3.5492% | 4,528 |
| Noninterest income to average assets | 1.8561% | 405 |
| Noninterest expense to average assets | 4.3713% | 809 |
| Loan and lease loss provision to assets | 0.2313% | 4,140 |
| Net operating income to assets | 0.2775% | 5,376 |
| Return on assets (ROA) | 0.2775% | 5,547 |
| Pretax return on assets | 0.3238% | 5,608 |
| Return on Equity (ROE) | 2.4206% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.4206% | 4,526 |
| Net charge-offs to loans | 0.8047% | 1,608 |
| Credit loss provision to net charge-offs | 54.0541% | 4,613 |
| Earnings coverage of net charge-offs (x) | 1.2973% | 4,090 |
| Efficiency ratio | 88.7324% | 1,829 |
| Assets per employee ($millions) | 2.1395% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 7,279 |
| Loan loss allowance to noncurrent loans | 79.3872% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 5,946 |
| Noncurrent loans to loans | 0.9616% | 5,073 |
| Net loans and leases to total assets | 52.4758% | 6,631 |
| Net loans and leases to deposits | 59.4865% | 6,934 |
| Net loans and leases to core deposits | 72.6585% | 6,880 |
| Total domestic deposits to total assets | 88.2145% | 1,637 |
| Equity capital to assets | 11.2430% | 2,773 |
| Core capital (leverage) ratio | 9.1995% | 4,398 |
| Tier 1 risk-based capital ratio | 17.0284% | 2,333 |
| Total risk-based capital ratio | 17.8007% | 2,427 |
| Memoranda: | ||
| Average total assets | $69,179,000 | 6,135 |
| Average earning assets | $59,845,000 | 6,263 |
| Average equity | $7,932,000 | 6,082 |
| Average total loans | $36,783,000 | 6,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3739% | 3,554 |
| Cost of funding earning assets | 2.2599% | 5,337 |
| Net interest margin | 4.1140% | 2,651 |
| Noninterest income to average assets | 1.7979% | 417 |
| Noninterest expense to average assets | 4.4049% | 956 |
| Loan and lease loss provision to assets | 0.2543% | 4,378 |
| Net operating income to assets | 0.5684% | 4,445 |
| Return on assets (ROA) | 0.5684% | 4,307 |
| Pretax return on assets | 0.7329% | 4,293 |
| Return on Equity (ROE) | 4.8427% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.9753% | 4,004 |
| Net charge-offs to loans | 0.3594% | 3,039 |
| Credit loss provision to net charge-offs | 132.8125% | 4,007 |
| Earnings coverage of net charge-offs (x) | 5.1563% | 3,737 |
| Efficiency ratio | 81.6921% | 2,341 |
| Assets per employee ($millions) | 2.1856% | 7,734 |
| Cash dividends to net income (ytd only)* | 59.2105% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 6,773 |
| Loan loss allowance to noncurrent loans | 335.7895% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 7,023 |
| Noncurrent loans to loans | 0.2622% | 6,590 |
| Net loans and leases to total assets | 53.0035% | 6,747 |
| Net loans and leases to deposits | 60.4172% | 7,052 |
| Net loans and leases to core deposits | 73.8596% | 6,976 |
| Total domestic deposits to total assets | 87.7291% | 1,594 |
| Equity capital to assets | 11.6982% | 2,504 |
| Core capital (leverage) ratio | 9.2812% | 4,320 |
| Tier 1 risk-based capital ratio | 17.2062% | 2,251 |
| Total risk-based capital ratio | 18.0865% | 2,305 |
| Memoranda: | ||
| Average total assets | $66,857,000 | 6,129 |
| Average earning assets | $58,410,200 | 6,244 |
| Average equity | $7,846,800 | 6,149 |
| Average total loans | $35,614,400 | 6,385 |