Home > Yakima National Bank > Performance and Condition Ratios
Yakima National Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,519 |
| Cost of funding earning assets | 0.5468% | 3,296 |
| Net interest margin | 4.1860% | 1,379 |
| Noninterest income to average assets | 0.5416% | 3,514 |
| Noninterest expense to average assets | 4.2766% | 648 |
| Loan and lease loss provision to assets | 0.1889% | 1,940 |
| Net operating income to assets | 0.0846% | 6,163 |
| Return on assets (ROA) | 0.1758% | 6,047 |
| Pretax return on assets | 0.0780% | 6,228 |
| Return on Equity (ROE) | 2.0762% | 5,913 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | 0.4222% | 1,515 |
| Credit loss provision to net charge-offs | 59.3103% | 3,318 |
| Earnings coverage of net charge-offs (x) | 0.5517% | 4,679 |
| Efficiency ratio | 96.0523% | 620 |
| Assets per employee ($millions) | 3.3697% | 5,131 |
| Cash dividends to net income (ytd only)* | 100.0000% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,177 |
| Loan loss allowance to noncurrent loans | 60.8329% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 2,650 |
| Noncurrent loans to loans | 1.8680% | 2,410 |
| Net loans and leases to total assets | 80.5236% | 494 |
| Net loans and leases to deposits | 88.3216% | 1,338 |
| Net loans and leases to core deposits | 104.6053% | 845 |
| Total domestic deposits to total assets | 91.1709% | 469 |
| Equity capital to assets | 8.1481% | 6,047 |
| Core capital (leverage) ratio | 8.2315% | 6,029 |
| Tier 1 risk-based capital ratio | 9.3416% | 6,698 |
| Total risk-based capital ratio | 10.4518% | 6,704 |
| Memoranda: | ||
| Average total assets | $121,371,250 | 4,289 |
| Average earning assets | $113,391,500 | 4,239 |
| Average equity | $10,275,000 | 4,835 |
| Average total loans | $91,591,250 | 3,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,725 |
| Cost of funding earning assets | 0.5505% | 3,407 |
| Net interest margin | 4.0903% | 1,569 |
| Noninterest income to average assets | 0.5787% | 3,328 |
| Noninterest expense to average assets | 4.0792% | 791 |
| Loan and lease loss provision to assets | 0.0782% | 3,500 |
| Net operating income to assets | 0.2245% | 5,830 |
| Return on assets (ROA) | 0.3542% | 5,569 |
| Pretax return on assets | 0.3775% | 5,685 |
| Return on Equity (ROE) | 4.1304% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.0749% | 4,956 |
| Net charge-offs to loans | 0.1677% | 2,774 |
| Credit loss provision to net charge-offs | 63.5135% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.5811% | 3,662 |
| Efficiency ratio | 92.7761% | 836 |
| Assets per employee ($millions) | 3.2074% | 5,462 |
| Cash dividends to net income (ytd only)* | 49.7653% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,375 |
| Loan loss allowance to noncurrent loans | 159.9487% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 4,674 |
| Noncurrent loans to loans | 0.8296% | 4,257 |
| Net loans and leases to total assets | 74.0689% | 1,236 |
| Net loans and leases to deposits | 81.2594% | 2,149 |
| Net loans and leases to core deposits | 95.9210% | 1,368 |
| Total domestic deposits to total assets | 91.1511% | 495 |
| Equity capital to assets | 8.2221% | 6,041 |
| Core capital (leverage) ratio | 9.0154% | 4,958 |
| Tier 1 risk-based capital ratio | 10.1508% | 6,599 |
| Total risk-based capital ratio | 11.4013% | 6,575 |
| Memoranda: | ||
| Average total assets | $120,268,670 | 4,341 |
| Average earning assets | $112,266,330 | 4,285 |
| Average equity | $10,313,670 | 4,867 |
| Average total loans | $88,271,670 | 3,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 2,506 |
| Cost of funding earning assets | 0.5785% | 3,304 |
| Net interest margin | 3.8274% | 2,354 |
| Noninterest income to average assets | 0.6313% | 2,972 |
| Noninterest expense to average assets | 4.2254% | 689 |
| Loan and lease loss provision to assets | -0.0848% | 6,827 |
| Net operating income to assets | 0.0645% | 6,219 |
| Return on assets (ROA) | 0.3462% | 5,515 |
| Pretax return on assets | 0.3428% | 5,742 |
| Return on Equity (ROE) | 3.9504% | 5,118 |
| Retained earnings to average equity (ytd only) | 1.8978% | 5,045 |
| Net charge-offs to loans | -0.0094% | 5,413 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5654% | 526 |
| Assets per employee ($millions) | 3.0862% | 5,848 |
| Cash dividends to net income (ytd only)* | 51.9608% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,972 |
| Loan loss allowance to noncurrent loans | 100.7258% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 3,817 |
| Noncurrent loans to loans | 1.4491% | 3,391 |
| Net loans and leases to total assets | 71.9000% | 1,366 |
| Net loans and leases to deposits | 79.4557% | 2,156 |
| Net loans and leases to core deposits | 92.7184% | 1,437 |
| Total domestic deposits to total assets | 90.4906% | 772 |
| Equity capital to assets | 8.7939% | 5,717 |
| Core capital (leverage) ratio | 9.1299% | 4,670 |
| Tier 1 risk-based capital ratio | 10.9336% | 6,436 |
| Total risk-based capital ratio | 12.1856% | 6,406 |
| Memoranda: | ||
| Average total assets | $117,858,500 | 4,444 |
| Average earning assets | $109,943,500 | 4,372 |
| Average equity | $10,328,000 | 4,926 |
| Average total loans | $85,458,500 | 3,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 2,962 |
| Cost of funding earning assets | 0.6542% | 3,879 |
| Net interest margin | 3.9551% | 2,584 |
| Noninterest income to average assets | 0.7237% | 2,610 |
| Noninterest expense to average assets | 4.0214% | 954 |
| Loan and lease loss provision to assets | -0.1543% | 6,949 |
| Net operating income to assets | 0.4866% | 4,737 |
| Return on assets (ROA) | 0.4866% | 4,989 |
| Pretax return on assets | 0.5606% | 5,102 |
| Return on Equity (ROE) | 5.4458% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.3346% | 3,876 |
| Net charge-offs to loans | -0.0948% | 6,814 |
| Credit loss provision to net charge-offs | 233.3333% | 1,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8222% | 1,002 |
| Assets per employee ($millions) | 3.1169% | 5,813 |
| Cash dividends to net income (ytd only)* | 38.7681% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,791 |
| Loan loss allowance to noncurrent loans | 159.3985% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 4,798 |
| Noncurrent loans to loans | 0.9350% | 4,321 |
| Net loans and leases to total assets | 70.9844% | 1,653 |
| Net loans and leases to deposits | 78.3882% | 2,477 |
| Net loans and leases to core deposits | 91.0041% | 1,722 |
| Total domestic deposits to total assets | 90.5550% | 676 |
| Equity capital to assets | 8.7325% | 5,814 |
| Core capital (leverage) ratio | 9.2827% | 4,447 |
| Tier 1 risk-based capital ratio | 10.8970% | 6,387 |
| Total risk-based capital ratio | 12.1494% | 6,356 |
| Memoranda: | ||
| Average total assets | $113,443,400 | 4,509 |
| Average earning assets | $106,243,200 | 4,442 |
| Average equity | $10,136,200 | 4,954 |
| Average total loans | $79,153,200 | 4,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 3,047 |
| Cost of funding earning assets | 0.6722% | 3,998 |
| Net interest margin | 3.9709% | 2,618 |
| Noninterest income to average assets | 0.6845% | 2,787 |
| Noninterest expense to average assets | 4.0239% | 908 |
| Loan and lease loss provision to assets | -0.2080% | 7,091 |
| Net operating income to assets | 0.5288% | 4,716 |
| Return on assets (ROA) | 0.5288% | 4,985 |
| Pretax return on assets | 0.5894% | 5,199 |
| Return on Equity (ROE) | 5.8835% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.7549% | 4,251 |
| Net charge-offs to loans | -0.0911% | 6,833 |
| Credit loss provision to net charge-offs | 330.1887% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3407% | 936 |
| Assets per employee ($millions) | 2.8597% | 6,277 |
| Cash dividends to net income (ytd only)* | 36.1795% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,826 |
| Loan loss allowance to noncurrent loans | 165.8699% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 4,956 |
| Noncurrent loans to loans | 0.9213% | 4,593 |
| Net loans and leases to total assets | 74.0669% | 1,239 |
| Net loans and leases to deposits | 82.5042% | 2,057 |
| Net loans and leases to core deposits | 98.3047% | 1,240 |
| Total domestic deposits to total assets | 89.7734% | 961 |
| Equity capital to assets | 9.4480% | 5,263 |
| Core capital (leverage) ratio | 9.4790% | 4,301 |
| Tier 1 risk-based capital ratio | 11.3529% | 6,326 |
| Total risk-based capital ratio | 12.6057% | 6,286 |
| Memoranda: | ||
| Average total assets | $112,193,500 | 4,579 |
| Average earning assets | $105,128,750 | 4,510 |
| Average equity | $10,084,500 | 5,009 |
| Average total loans | $77,604,500 | 4,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 3,318 |
| Cost of funding earning assets | 0.6781% | 4,197 |
| Net interest margin | 3.9312% | 2,790 |
| Noninterest income to average assets | 0.7039% | 2,643 |
| Noninterest expense to average assets | 3.9588% | 1,002 |
| Loan and lease loss provision to assets | -0.1764% | 7,146 |
| Net operating income to assets | 0.5610% | 4,530 |
| Return on assets (ROA) | 0.5610% | 4,816 |
| Pretax return on assets | 0.6139% | 5,088 |
| Return on Equity (ROE) | 6.3450% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.2300% | 3,797 |
| Net charge-offs to loans | -0.2545% | 7,047 |
| Credit loss provision to net charge-offs | 103.0928% | 2,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0482% | 1,064 |
| Assets per employee ($millions) | 2.8378% | 6,347 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,038 |
| Loan loss allowance to noncurrent loans | 162.7824% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 4,842 |
| Noncurrent loans to loans | 1.0732% | 4,377 |
| Net loans and leases to total assets | 71.4035% | 1,657 |
| Net loans and leases to deposits | 79.5689% | 2,443 |
| Net loans and leases to core deposits | 94.1515% | 1,588 |
| Total domestic deposits to total assets | 89.7380% | 1,083 |
| Equity capital to assets | 9.4283% | 5,162 |
| Core capital (leverage) ratio | 9.3698% | 4,345 |
| Tier 1 risk-based capital ratio | 12.0231% | 5,913 |
| Total risk-based capital ratio | 13.2787% | 5,890 |
| Memoranda: | ||
| Average total assets | $113,368,670 | 4,581 |
| Average earning assets | $106,481,000 | 4,501 |
| Average equity | $10,023,670 | 5,024 |
| Average total loans | $76,227,330 | 4,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 5,175 |
| Cost of funding earning assets | 0.6916% | 4,355 |
| Net interest margin | 3.4875% | 4,766 |
| Noninterest income to average assets | 0.7474% | 2,412 |
| Noninterest expense to average assets | 3.6957% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3134% | 5,614 |
| Return on assets (ROA) | 0.3134% | 5,773 |
| Pretax return on assets | 0.3341% | 5,899 |
| Return on Equity (ROE) | 3.6576% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.5273% | 5,477 |
| Net charge-offs to loans | 0.0106% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 649 |
| Efficiency ratio | 91.7094% | 964 |
| Assets per employee ($millions) | 3.1813% | 5,806 |
| Cash dividends to net income (ytd only)* | 58.2418% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,959 |
| Loan loss allowance to noncurrent loans | 81.3539% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.4704% | 3,661 |
| Noncurrent loans to loans | 2.2258% | 2,891 |
| Net loans and leases to total assets | 64.8636% | 2,680 |
| Net loans and leases to deposits | 71.6606% | 3,485 |
| Net loans and leases to core deposits | 83.7546% | 2,572 |
| Total domestic deposits to total assets | 90.5150% | 796 |
| Equity capital to assets | 8.7079% | 5,864 |
| Core capital (leverage) ratio | 8.7660% | 5,174 |
| Tier 1 risk-based capital ratio | 12.1578% | 5,859 |
| Total risk-based capital ratio | 13.4142% | 5,829 |
| Memoranda: | ||
| Average total assets | $116,135,500 | 4,541 |
| Average earning assets | $109,306,000 | 4,451 |
| Average equity | $9,952,000 | 5,057 |
| Average total loans | $75,157,500 | 4,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 5,074 |
| Cost of funding earning assets | 0.9215% | 3,950 |
| Net interest margin | 3.5781% | 4,816 |
| Noninterest income to average assets | 0.4575% | 4,164 |
| Noninterest expense to average assets | 3.8346% | 1,283 |
| Loan and lease loss provision to assets | 0.2204% | 3,992 |
| Net operating income to assets | -0.0708% | 6,131 |
| Return on assets (ROA) | -0.0708% | 6,215 |
| Pretax return on assets | -0.2388% | 6,310 |
| Return on Equity (ROE) | -0.8072% | 6,229 |
| Retained earnings to average equity (ytd only) | -2.9299% | 6,266 |
| Net charge-offs to loans | 0.1023% | 5,334 |
| Credit loss provision to net charge-offs | 323.0769% | 722 |
| Earnings coverage of net charge-offs (x) | -0.2692% | 5,992 |
| Efficiency ratio | 100.4813% | 652 |
| Assets per employee ($millions) | 3.3641% | 5,335 |
| Cash dividends to net income (ytd only)* | -262.9630% | 7,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 2,751 |
| Loan loss allowance to noncurrent loans | 101.4043% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 4,319 |
| Noncurrent loans to loans | 1.8123% | 3,450 |
| Net loans and leases to total assets | 62.2423% | 3,554 |
| Net loans and leases to deposits | 68.5268% | 4,362 |
| Net loans and leases to core deposits | 79.6691% | 3,488 |
| Total domestic deposits to total assets | 90.8292% | 574 |
| Equity capital to assets | 8.4345% | 6,218 |
| Core capital (leverage) ratio | 8.5881% | 5,419 |
| Tier 1 risk-based capital ratio | 12.5349% | 5,417 |
| Total risk-based capital ratio | 13.7923% | 5,403 |
| Memoranda: | ||
| Average total assets | $114,328,600 | 4,542 |
| Average earning assets | $107,319,400 | 4,468 |
| Average equity | $10,034,400 | 5,004 |
| Average total loans | $76,223,000 | 4,262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,823 |
| Cost of funding earning assets | 0.9721% | 3,871 |
| Net interest margin | 3.6391% | 4,621 |
| Noninterest income to average assets | 0.4371% | 4,383 |
| Noninterest expense to average assets | 3.9550% | 1,064 |
| Loan and lease loss provision to assets | 0.2961% | 3,157 |
| Net operating income to assets | -0.1586% | 6,341 |
| Return on assets (ROA) | -0.1586% | 6,416 |
| Pretax return on assets | -0.4007% | 6,566 |
| Return on Equity (ROE) | -1.7892% | 6,460 |
| Retained earnings to average equity (ytd only) | -3.9096% | 6,509 |
| Net charge-offs to loans | 0.1497% | 4,570 |
| Credit loss provision to net charge-offs | 293.0233% | 978 |
| Earnings coverage of net charge-offs (x) | -1.0349% | 5,935 |
| Efficiency ratio | 102.7159% | 588 |
| Assets per employee ($millions) | 3.6602% | 4,612 |
| Cash dividends to net income (ytd only)* | -118.5167% | 7,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,709 |
| Loan loss allowance to noncurrent loans | 98.4127% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,355 |
| Noncurrent loans to loans | 1.9028% | 3,499 |
| Net loans and leases to total assets | 62.9924% | 3,512 |
| Net loans and leases to deposits | 69.5979% | 4,360 |
| Net loans and leases to core deposits | 81.7455% | 3,362 |
| Total domestic deposits to total assets | 90.5091% | 634 |
| Equity capital to assets | 8.7533% | 6,027 |
| Core capital (leverage) ratio | 9.1614% | 4,691 |
| Tier 1 risk-based capital ratio | 12.5926% | 5,408 |
| Total risk-based capital ratio | 13.8496% | 5,383 |
| Memoranda: | ||
| Average total assets | $113,475,000 | 4,592 |
| Average earning assets | $106,433,750 | 4,516 |
| Average equity | $10,060,250 | 5,023 |
| Average total loans | $76,614,250 | 4,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 4,094 |
| Cost of funding earning assets | 1.0109% | 3,884 |
| Net interest margin | 3.7900% | 3,835 |
| Noninterest income to average assets | 0.4441% | 4,323 |
| Noninterest expense to average assets | 4.0378% | 992 |
| Loan and lease loss provision to assets | 0.4441% | 2,217 |
| Net operating income to assets | -0.1815% | 6,452 |
| Return on assets (ROA) | -0.1815% | 6,486 |
| Pretax return on assets | -0.4829% | 6,647 |
| Return on Equity (ROE) | -2.0390% | 6,519 |
| Retained earnings to average equity (ytd only) | -4.1374% | 6,484 |
| Net charge-offs to loans | 0.0591% | 5,058 |
| Credit loss provision to net charge-offs | 1,095.6522% | 307 |
| Earnings coverage of net charge-offs (x) | -0.9565% | 5,623 |
| Efficiency ratio | 100.9696% | 693 |
| Assets per employee ($millions) | 2.9474% | 6,201 |
| Cash dividends to net income (ytd only)* | -102.9126% | 7,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,612 |
| Loan loss allowance to noncurrent loans | 98.1418% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 4,231 |
| Noncurrent loans to loans | 1.9564% | 3,535 |
| Net loans and leases to total assets | 66.7969% | 2,863 |
| Net loans and leases to deposits | 74.1498% | 3,787 |
| Net loans and leases to core deposits | 88.0833% | 2,636 |
| Total domestic deposits to total assets | 90.0837% | 931 |
| Equity capital to assets | 9.1809% | 5,307 |
| Core capital (leverage) ratio | 9.0171% | 4,691 |
| Tier 1 risk-based capital ratio | 12.4686% | 5,376 |
| Total risk-based capital ratio | 13.7262% | 5,347 |
| Memoranda: | ||
| Average total assets | $113,478,000 | 4,621 |
| Average earning assets | $106,439,330 | 4,552 |
| Average equity | $10,103,000 | 5,024 |
| Average total loans | $77,872,670 | 4,288 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 4,798 |
| Cost of funding earning assets | 1.0423% | 3,905 |
| Net interest margin | 3.5945% | 4,588 |
| Noninterest income to average assets | 0.5013% | 3,873 |
| Noninterest expense to average assets | 3.7237% | 1,490 |
| Loan and lease loss provision to assets | 0.8713% | 937 |
| Net operating income to assets | -0.3043% | 6,668 |
| Return on assets (ROA) | -0.3043% | 6,678 |
| Pretax return on assets | -0.7192% | 6,879 |
| Return on Equity (ROE) | -3.4685% | 6,708 |
| Retained earnings to average equity (ytd only) | -5.5575% | 6,559 |
| Net charge-offs to loans | 0.2611% | 3,025 |
| Credit loss provision to net charge-offs | 484.6154% | 735 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 4,004 |
| Efficiency ratio | 96.0749% | 917 |
| Assets per employee ($millions) | 3.2349% | 5,631 |
| Cash dividends to net income (ytd only)* | -60.2273% | 7,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,230 |
| Loan loss allowance to noncurrent loans | 74.2038% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 3,494 |
| Noncurrent loans to loans | 2.3372% | 3,155 |
| Net loans and leases to total assets | 68.0177% | 2,545 |
| Net loans and leases to deposits | 75.0412% | 3,576 |
| Net loans and leases to core deposits | 88.8814% | 2,492 |
| Total domestic deposits to total assets | 90.6404% | 784 |
| Equity capital to assets | 8.6529% | 5,713 |
| Core capital (leverage) ratio | 8.7652% | 4,979 |
| Tier 1 risk-based capital ratio | 11.5642% | 6,054 |
| Total risk-based capital ratio | 12.8192% | 6,036 |
| Memoranda: | ||
| Average total assets | $115,690,500 | 4,595 |
| Average earning assets | $108,609,500 | 4,509 |
| Average equity | $10,148,500 | 5,005 |
| Average total loans | $79,674,000 | 4,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 3,778 |
| Cost of funding earning assets | 1.1704% | 4,725 |
| Net interest margin | 3.9949% | 3,042 |
| Noninterest income to average assets | 0.7683% | 2,437 |
| Noninterest expense to average assets | 3.7763% | 1,533 |
| Loan and lease loss provision to assets | 0.1249% | 5,913 |
| Net operating income to assets | 0.4977% | 4,107 |
| Return on assets (ROA) | 0.4977% | 4,265 |
| Pretax return on assets | 0.6108% | 4,282 |
| Return on Equity (ROE) | 5.4433% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.3352% | 3,532 |
| Net charge-offs to loans | 0.4079% | 4,005 |
| Credit loss provision to net charge-offs | 41.5663% | 6,364 |
| Earnings coverage of net charge-offs (x) | 2.4488% | 3,907 |
| Efficiency ratio | 83.6943% | 1,956 |
| Assets per employee ($millions) | 3.3801% | 5,218 |
| Cash dividends to net income (ytd only)* | 38.7273% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,889 |
| Loan loss allowance to noncurrent loans | 109.4064% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 5,107 |
| Noncurrent loans to loans | 1.3907% | 4,400 |
| Net loans and leases to total assets | 67.4713% | 3,110 |
| Net loans and leases to deposits | 74.6942% | 4,083 |
| Net loans and leases to core deposits | 89.4813% | 2,832 |
| Total domestic deposits to total assets | 90.3300% | 918 |
| Equity capital to assets | 8.8929% | 5,293 |
| Core capital (leverage) ratio | 8.8946% | 4,707 |
| Tier 1 risk-based capital ratio | 11.9869% | 5,482 |
| Total risk-based capital ratio | 13.2403% | 5,463 |
| Memoranda: | ||
| Average total assets | $110,504,000 | 4,700 |
| Average earning assets | $103,556,800 | 4,619 |
| Average equity | $10,104,200 | 5,103 |
| Average total loans | $81,394,400 | 4,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 3,791 |
| Cost of funding earning assets | 1.1993% | 4,869 |
| Net interest margin | 4.0080% | 3,068 |
| Noninterest income to average assets | 0.7800% | 2,322 |
| Noninterest expense to average assets | 3.7757% | 1,419 |
| Loan and lease loss provision to assets | -0.0232% | 7,681 |
| Net operating income to assets | 0.6338% | 3,733 |
| Return on assets (ROA) | 0.6338% | 3,901 |
| Pretax return on assets | 0.7788% | 3,983 |
| Return on Equity (ROE) | 6.8814% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.7641% | 3,148 |
| Net charge-offs to loans | 0.2616% | 4,383 |
| Credit loss provision to net charge-offs | -11.8012% | 6,859 |
| Earnings coverage of net charge-offs (x) | 3.8510% | 3,276 |
| Efficiency ratio | 83.3244% | 1,913 |
| Assets per employee ($millions) | 3.6493% | 4,620 |
| Cash dividends to net income (ytd only)* | 30.7693% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 4,140 |
| Loan loss allowance to noncurrent loans | 133.9227% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 5,441 |
| Noncurrent loans to loans | 1.0928% | 5,055 |
| Net loans and leases to total assets | 74.5394% | 1,680 |
| Net loans and leases to deposits | 83.0408% | 2,904 |
| Net loans and leases to core deposits | 99.2050% | 1,925 |
| Total domestic deposits to total assets | 89.7624% | 991 |
| Equity capital to assets | 9.3598% | 5,038 |
| Core capital (leverage) ratio | 9.3924% | 4,068 |
| Tier 1 risk-based capital ratio | 11.5085% | 5,926 |
| Total risk-based capital ratio | 12.7610% | 5,912 |
| Memoranda: | ||
| Average total assets | $109,399,250 | 4,788 |
| Average earning assets | $102,392,500 | 4,712 |
| Average equity | $10,075,250 | 5,171 |
| Average total loans | $82,058,500 | 4,349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 4,124 |
| Cost of funding earning assets | 1.2357% | 4,927 |
| Net interest margin | 3.9276% | 3,328 |
| Noninterest income to average assets | 0.7973% | 2,132 |
| Noninterest expense to average assets | 3.6261% | 1,720 |
| Loan and lease loss provision to assets | 0.0603% | 6,348 |
| Net operating income to assets | 0.6546% | 3,608 |
| Return on assets (ROA) | 0.6546% | 3,765 |
| Pretax return on assets | 0.7900% | 3,919 |
| Return on Equity (ROE) | 7.1471% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.0309% | 2,888 |
| Net charge-offs to loans | 0.1002% | 5,143 |
| Credit loss provision to net charge-offs | 80.4878% | 4,695 |
| Earnings coverage of net charge-offs (x) | 11.3415% | 1,774 |
| Efficiency ratio | 81.0049% | 2,298 |
| Assets per employee ($millions) | 3.8980% | 3,982 |
| Cash dividends to net income (ytd only)* | 29.6089% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,048 |
| Loan loss allowance to noncurrent loans | 180.5737% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 5,603 |
| Noncurrent loans to loans | 0.9447% | 5,413 |
| Net loans and leases to total assets | 73.1160% | 2,138 |
| Net loans and leases to deposits | 82.9765% | 3,080 |
| Net loans and leases to core deposits | 98.7979% | 2,140 |
| Total domestic deposits to total assets | 88.1165% | 1,947 |
| Equity capital to assets | 9.2869% | 5,023 |
| Core capital (leverage) ratio | 9.2161% | 4,276 |
| Tier 1 risk-based capital ratio | 11.4541% | 5,816 |
| Total risk-based capital ratio | 12.7083% | 5,787 |
| Memoranda: | ||
| Average total assets | $109,372,670 | 4,820 |
| Average earning assets | $102,453,330 | 4,736 |
| Average equity | $10,018,000 | 5,197 |
| Average total loans | $81,805,670 | 4,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 4,057 |
| Cost of funding earning assets | 1.2281% | 5,242 |
| Net interest margin | 3.9650% | 3,026 |
| Noninterest income to average assets | 0.8512% | 1,808 |
| Noninterest expense to average assets | 3.5547% | 1,831 |
| Loan and lease loss provision to assets | 0.1206% | 5,380 |
| Net operating income to assets | 0.7270% | 3,325 |
| Return on assets (ROA) | 0.7270% | 3,433 |
| Pretax return on assets | 0.8914% | 3,499 |
| Return on Equity (ROE) | 7.9928% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.8640% | 2,683 |
| Net charge-offs to loans | 0.1997% | 3,712 |
| Credit loss provision to net charge-offs | 80.4878% | 3,867 |
| Earnings coverage of net charge-offs (x) | 6.7561% | 2,170 |
| Efficiency ratio | 77.8400% | 2,924 |
| Assets per employee ($millions) | 3.8504% | 4,205 |
| Cash dividends to net income (ytd only)* | 26.6332% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 3,023 |
| Loan loss allowance to noncurrent loans | 69.9848% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 3,743 |
| Noncurrent loans to loans | 2.4448% | 3,232 |
| Net loans and leases to total assets | 71.2528% | 2,632 |
| Net loans and leases to deposits | 80.5799% | 3,536 |
| Net loans and leases to core deposits | 95.0608% | 2,693 |
| Total domestic deposits to total assets | 88.4250% | 1,840 |
| Equity capital to assets | 8.9842% | 5,302 |
| Core capital (leverage) ratio | 9.3163% | 4,024 |
| Tier 1 risk-based capital ratio | 11.2082% | 5,948 |
| Total risk-based capital ratio | 12.4619% | 5,900 |
| Memoranda: | ||
| Average total assets | $109,487,500 | 4,884 |
| Average earning assets | $102,596,500 | 4,796 |
| Average equity | $9,959,000 | 5,247 |
| Average total loans | $82,115,500 | 4,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9784% | 1,949 |
| Cost of funding earning assets | 1.4673% | 5,653 |
| Net interest margin | 4.5111% | 1,157 |
| Noninterest income to average assets | 0.7788% | 2,520 |
| Noninterest expense to average assets | 3.6259% | 2,091 |
| Loan and lease loss provision to assets | 0.4129% | 4,334 |
| Net operating income to assets | 0.7954% | 2,551 |
| Return on assets (ROA) | 0.8488% | 2,435 |
| Pretax return on assets | 0.8815% | 2,986 |
| Return on Equity (ROE) | 9.2664% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.0337% | 954 |
| Net charge-offs to loans | 0.2660% | 4,956 |
| Credit loss provision to net charge-offs | 191.9643% | 2,072 |
| Earnings coverage of net charge-offs (x) | 5.7589% | 2,505 |
| Efficiency ratio | 74.5361% | 3,793 |
| Assets per employee ($millions) | 3.8326% | 4,201 |
| Cash dividends to net income (ytd only)* | 24.0950% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 2,998 |
| Loan loss allowance to noncurrent loans | 155.1839% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 5,431 |
| Noncurrent loans to loans | 1.0771% | 5,165 |
| Net loans and leases to total assets | 76.3111% | 1,727 |
| Net loans and leases to deposits | 86.5427% | 2,813 |
| Net loans and leases to core deposits | 104.3264% | 3,534 |
| Total domestic deposits to total assets | 88.1775% | 1,892 |
| Equity capital to assets | 9.2124% | 4,827 |
| Core capital (leverage) ratio | 9.1556% | 4,190 |
| Tier 1 risk-based capital ratio | 10.7456% | 6,157 |
| Total risk-based capital ratio | 11.9990% | 6,130 |
| Memoranda: | ||
| Average total assets | $104,141,000 | 4,979 |
| Average earning assets | $94,323,400 | 5,001 |
| Average equity | $9,539,800 | 5,435 |
| Average total loans | $84,219,000 | 4,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0870% | 1,696 |
| Cost of funding earning assets | 1.4891% | 5,866 |
| Net interest margin | 4.5980% | 994 |
| Noninterest income to average assets | 0.7586% | 2,657 |
| Noninterest expense to average assets | 3.6020% | 2,023 |
| Loan and lease loss provision to assets | 0.4128% | 3,845 |
| Net operating income to assets | 0.7854% | 2,877 |
| Return on assets (ROA) | 0.8528% | 2,668 |
| Pretax return on assets | 0.9456% | 3,075 |
| Return on Equity (ROE) | 9.3228% | 2,153 |
| Retained earnings to average equity (ytd only) | 7.0661% | 1,477 |
| Net charge-offs to loans | 0.2005% | 4,805 |
| Credit loss provision to net charge-offs | 251.9685% | 1,704 |
| Earnings coverage of net charge-offs (x) | 7.8346% | 2,341 |
| Efficiency ratio | 73.7259% | 3,915 |
| Assets per employee ($millions) | 3.6818% | 4,472 |
| Cash dividends to net income (ytd only)* | 24.2060% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 2,933 |
| Loan loss allowance to noncurrent loans | 203.9941% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,864 |
| Noncurrent loans to loans | 0.7925% | 5,711 |
| Net loans and leases to total assets | 78.6021% | 1,463 |
| Net loans and leases to deposits | 89.1728% | 2,749 |
| Net loans and leases to core deposits | 107.3896% | 3,546 |
| Total domestic deposits to total assets | 88.1458% | 1,598 |
| Equity capital to assets | 9.1035% | 5,329 |
| Core capital (leverage) ratio | 8.8902% | 4,826 |
| Tier 1 risk-based capital ratio | 10.5025% | 6,468 |
| Total risk-based capital ratio | 11.7554% | 6,416 |
| Memoranda: | ||
| Average total assets | $103,348,250 | 5,036 |
| Average earning assets | $92,763,000 | 5,079 |
| Average equity | $9,453,250 | 5,502 |
| Average total loans | $84,453,000 | 4,408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1646% | 1,578 |
| Cost of funding earning assets | 1.4801% | 6,218 |
| Net interest margin | 4.6844% | 821 |
| Noninterest income to average assets | 0.7690% | 2,593 |
| Noninterest expense to average assets | 3.5242% | 2,269 |
| Loan and lease loss provision to assets | 0.3522% | 3,814 |
| Net operating income to assets | 0.9338% | 2,329 |
| Return on assets (ROA) | 1.0371% | 2,063 |
| Pretax return on assets | 1.1369% | 2,511 |
| Return on Equity (ROE) | 11.3195% | 1,605 |
| Retained earnings to average equity (ytd only) | 9.0556% | 919 |
| Net charge-offs to loans | 0.1283% | 4,886 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 13.0185% | 1,769 |
| Efficiency ratio | 71.9249% | 4,429 |
| Assets per employee ($millions) | 3.6610% | 4,427 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,221 |
| Loan loss allowance to noncurrent loans | 266.3286% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,323 |
| Noncurrent loans to loans | 0.5620% | 6,143 |
| Net loans and leases to total assets | 78.6814% | 1,597 |
| Net loans and leases to deposits | 88.9510% | 2,997 |
| Net loans and leases to core deposits | 106.4067% | 3,793 |
| Total domestic deposits to total assets | 88.4548% | 1,549 |
| Equity capital to assets | 8.7827% | 5,621 |
| Core capital (leverage) ratio | 9.2172% | 4,281 |
| Tier 1 risk-based capital ratio | 10.0647% | 6,859 |
| Total risk-based capital ratio | 11.3168% | 6,782 |
| Memoranda: | ||
| Average total assets | $102,207,000 | 5,093 |
| Average earning assets | $90,128,000 | 5,194 |
| Average equity | $9,364,330 | 5,559 |
| Average total loans | $84,169,330 | 4,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4746% | 914 |
| Cost of funding earning assets | 1.5539% | 6,219 |
| Net interest margin | 4.9207% | 481 |
| Noninterest income to average assets | 0.6545% | 3,174 |
| Noninterest expense to average assets | 3.4839% | 2,148 |
| Loan and lease loss provision to assets | 0.1423% | 5,125 |
| Net operating income to assets | 0.9391% | 2,547 |
| Return on assets (ROA) | 0.9391% | 2,680 |
| Pretax return on assets | 1.1992% | 2,630 |
| Return on Equity (ROE) | 10.0179% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.7194% | 1,917 |
| Net charge-offs to loans | -0.0194% | 7,430 |
| Credit loss provision to net charge-offs | -875.0000% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1988% | 4,160 |
| Assets per employee ($millions) | 3.4426% | 4,966 |
| Cash dividends to net income (ytd only)* | 22.9437% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,117 |
| Loan loss allowance to noncurrent loans | 260.0849% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 6,006 |
| Noncurrent loans to loans | 0.5667% | 6,000 |
| Net loans and leases to total assets | 84.9481% | 556 |
| Net loans and leases to deposits | 97.0811% | 1,788 |
| Net loans and leases to core deposits | 117.6731% | 2,627 |
| Total domestic deposits to total assets | 87.5022% | 1,967 |
| Equity capital to assets | 9.6594% | 4,441 |
| Core capital (leverage) ratio | 9.7150% | 3,735 |
| Tier 1 risk-based capital ratio | 10.2610% | 6,631 |
| Total risk-based capital ratio | 11.4960% | 6,576 |
| Memoranda: | ||
| Average total assets | $98,396,000 | 5,222 |
| Average earning assets | $83,402,500 | 5,446 |
| Average equity | $9,223,500 | 5,621 |
| Average total loans | $82,390,000 | 4,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3726% | 521 |
| Cost of funding earning assets | 1.7746% | 7,078 |
| Net interest margin | 5.5980% | 178 |
| Noninterest income to average assets | 0.8574% | 2,179 |
| Noninterest expense to average assets | 3.7842% | 1,784 |
| Loan and lease loss provision to assets | 0.2774% | 4,172 |
| Net operating income to assets | 1.1287% | 2,034 |
| Return on assets (ROA) | 1.1287% | 1,954 |
| Pretax return on assets | 1.7184% | 1,108 |
| Return on Equity (ROE) | 10.6265% | 2,037 |
| Retained earnings to average equity (ytd only) | 8.2083% | 780 |
| Net charge-offs to loans | -0.0765% | 8,063 |
| Credit loss provision to net charge-offs | -433.9623% | 7,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4705% | 5,227 |
| Assets per employee ($millions) | 3.5857% | 4,454 |
| Cash dividends to net income (ytd only)* | 22.7564% | 4,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,903 |
| Loan loss allowance to noncurrent loans | 746.5409% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,941 |
| Noncurrent loans to loans | 0.1947% | 6,808 |
| Net loans and leases to total assets | 80.1641% | 1,622 |
| Net loans and leases to deposits | 90.8162% | 3,315 |
| Net loans and leases to core deposits | 105.3925% | 4,258 |
| Total domestic deposits to total assets | 88.2708% | 1,353 |
| Equity capital to assets | 9.0997% | 5,225 |
| Core capital (leverage) ratio | 9.7546% | 3,709 |
| Tier 1 risk-based capital ratio | 10.3300% | 6,387 |
| Total risk-based capital ratio | 11.5920% | 6,247 |
| Memoranda: | ||
| Average total assets | $82,924,200 | 5,594 |
| Average earning assets | $72,918,600 | 5,713 |
| Average equity | $8,808,200 | 5,806 |
| Average total loans | $69,299,600 | 4,899 |