Home > First Bank of Montana > Performance and Condition Ratios
First Bank of Montana, Performance and Condition Ratios
| 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 | 3.8656% | 6,098 |
| Cost of funding earning assets | 0.5390% | 5,558 |
| Net interest margin | 3.3265% | 5,388 |
| Noninterest income to average assets | 0.3210% | 5,307 |
| Noninterest expense to average assets | 1.1170% | 7,229 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5026% | 1,011 |
| Return on assets (ROA) | 1.5026% | 1,134 |
| Pretax return on assets | 2.2165% | 521 |
| Return on Equity (ROE) | 11.4238% | 1,862 |
| Retained earnings to average equity (ytd only) | 4.7367% | 3,720 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9587% | 7,230 |
| Assets per employee ($millions) | 7.7753% | 542 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5311% | 1,311 |
| Loan loss allowance to noncurrent loans | 1,041.0072% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 6,632 |
| Noncurrent loans to loans | 0.2431% | 6,202 |
| Net loans and leases to total assets | 39.8147% | 6,362 |
| Net loans and leases to deposits | 62.7594% | 4,803 |
| Net loans and leases to core deposits | 74.1469% | 3,884 |
| Total domestic deposits to total assets | 63.4403% | 7,151 |
| Equity capital to assets | 12.9796% | 1,451 |
| Core capital (leverage) ratio | 8.3688% | 5,781 |
| Tier 1 risk-based capital ratio | 13.0270% | 5,199 |
| Total risk-based capital ratio | 14.2834% | 5,157 |
| Memoranda: | ||
| Average total assets | $272,865,000 | 2,363 |
| Average earning assets | $247,104,500 | 2,389 |
| Average equity | $35,890,000 | 1,936 |
| Average total loans | $113,364,000 | 3,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 6,224 |
| Cost of funding earning assets | 0.5753% | 6,211 |
| Net interest margin | 3.5536% | 4,914 |
| Noninterest income to average assets | 0.3497% | 5,008 |
| Noninterest expense to average assets | 1.4069% | 7,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5512% | 739 |
| Return on assets (ROA) | 1.5512% | 801 |
| Pretax return on assets | 2.1526% | 403 |
| Return on Equity (ROE) | 11.2955% | 1,622 |
| Retained earnings to average equity (ytd only) | 3.1651% | 3,966 |
| Net charge-offs to loans | 0.1097% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 43.1840% | 631 |
| Efficiency ratio | 36.5449% | 7,249 |
| Assets per employee ($millions) | 6.8159% | 812 |
| Cash dividends to net income (ytd only)* | 71.9794% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5750% | 1,219 |
| Loan loss allowance to noncurrent loans | 1,037.2760% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,697 |
| Noncurrent loans to loans | 0.2482% | 6,239 |
| Net loans and leases to total assets | 41.1913% | 6,448 |
| Net loans and leases to deposits | 58.7539% | 5,627 |
| Net loans and leases to core deposits | 70.8834% | 4,662 |
| Total domestic deposits to total assets | 70.1081% | 6,985 |
| Equity capital to assets | 13.3357% | 1,343 |
| Core capital (leverage) ratio | 8.3350% | 5,803 |
| Tier 1 risk-based capital ratio | 13.7883% | 4,489 |
| Total risk-based capital ratio | 15.0465% | 4,443 |
| Memoranda: | ||
| Average total assets | $250,767,600 | 2,511 |
| Average earning assets | $226,505,000 | 2,544 |
| Average equity | $34,438,600 | 1,946 |
| Average total loans | $113,991,800 | 3,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 6,257 |
| Cost of funding earning assets | 0.5770% | 6,394 |
| Net interest margin | 3.6009% | 4,762 |
| Noninterest income to average assets | 0.3325% | 5,201 |
| Noninterest expense to average assets | 1.4499% | 7,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5524% | 844 |
| Return on assets (ROA) | 1.5524% | 919 |
| Pretax return on assets | 2.1370% | 483 |
| Return on Equity (ROE) | 11.2168% | 1,785 |
| Retained earnings to average equity (ytd only) | 2.6365% | 4,781 |
| Net charge-offs to loans | -0.0023% | 6,671 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2912% | 7,299 |
| Assets per employee ($millions) | 6.6096% | 896 |
| Cash dividends to net income (ytd only)* | 76.4951% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5329% | 1,345 |
| Loan loss allowance to noncurrent loans | 5,396.4286% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 7,006 |
| Noncurrent loans to loans | 0.0469% | 6,821 |
| Net loans and leases to total assets | 46.2990% | 6,117 |
| Net loans and leases to deposits | 67.6928% | 4,662 |
| Net loans and leases to core deposits | 83.0347% | 3,188 |
| Total domestic deposits to total assets | 68.3958% | 7,123 |
| Equity capital to assets | 14.1131% | 1,116 |
| Core capital (leverage) ratio | 8.6831% | 5,434 |
| Tier 1 risk-based capital ratio | 13.4565% | 4,769 |
| Total risk-based capital ratio | 14.7155% | 4,731 |
| Memoranda: | ||
| Average total assets | $247,004,250 | 2,567 |
| Average earning assets | $223,235,750 | 2,587 |
| Average equity | $34,186,000 | 1,963 |
| Average total loans | $114,392,500 | 3,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 6,543 |
| Cost of funding earning assets | 0.5577% | 6,634 |
| Net interest margin | 3.5102% | 5,112 |
| Noninterest income to average assets | 0.3339% | 5,220 |
| Noninterest expense to average assets | 1.3509% | 7,379 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4755% | 934 |
| Return on assets (ROA) | 1.4755% | 989 |
| Pretax return on assets | 2.1554% | 441 |
| Return on Equity (ROE) | 10.7328% | 1,890 |
| Retained earnings to average equity (ytd only) | 3.6250% | 3,925 |
| Net charge-offs to loans | 0.0142% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 330.8750% | 101 |
| Efficiency ratio | 35.2996% | 7,399 |
| Assets per employee ($millions) | 6.3829% | 977 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5326% | 1,394 |
| Loan loss allowance to noncurrent loans | 6,275.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,064 |
| Noncurrent loans to loans | 0.0404% | 6,882 |
| Net loans and leases to total assets | 47.7906% | 6,075 |
| Net loans and leases to deposits | 64.5161% | 5,208 |
| Net loans and leases to core deposits | 81.0358% | 3,649 |
| Total domestic deposits to total assets | 74.0754% | 6,836 |
| Equity capital to assets | 14.2733% | 1,003 |
| Core capital (leverage) ratio | 8.4839% | 5,573 |
| Tier 1 risk-based capital ratio | 13.5570% | 4,482 |
| Total risk-based capital ratio | 14.8163% | 4,457 |
| Memoranda: | ||
| Average total assets | $245,618,000 | 2,596 |
| Average earning assets | $221,984,330 | 2,625 |
| Average equity | $33,765,670 | 1,969 |
| Average total loans | $112,754,000 | 3,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 6,905 |
| Cost of funding earning assets | 0.5160% | 6,917 |
| Net interest margin | 3.3215% | 5,702 |
| Noninterest income to average assets | 0.3269% | 5,295 |
| Noninterest expense to average assets | 1.2608% | 7,475 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4048% | 1,053 |
| Return on assets (ROA) | 1.4048% | 1,091 |
| Pretax return on assets | 2.0667% | 496 |
| Return on Equity (ROE) | 10.4144% | 1,951 |
| Retained earnings to average equity (ytd only) | 3.2155% | 4,243 |
| Net charge-offs to loans | 0.0073% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 638.5000% | 34 |
| Efficiency ratio | 34.5331% | 7,462 |
| Assets per employee ($millions) | 6.7043% | 844 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7430% | 1,163 |
| Loan loss allowance to noncurrent loans | 5,917.6471% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 7,134 |
| Noncurrent loans to loans | 0.0464% | 6,931 |
| Net loans and leases to total assets | 42.0024% | 6,613 |
| Net loans and leases to deposits | 61.7146% | 5,538 |
| Net loans and leases to core deposits | 73.8948% | 4,542 |
| Total domestic deposits to total assets | 68.0591% | 7,263 |
| Equity capital to assets | 13.1596% | 1,312 |
| Core capital (leverage) ratio | 9.1629% | 4,353 |
| Tier 1 risk-based capital ratio | 13.4588% | 4,450 |
| Total risk-based capital ratio | 14.7188% | 4,423 |
| Memoranda: | ||
| Average total assets | $247,152,000 | 2,591 |
| Average earning assets | $223,271,000 | 2,620 |
| Average equity | $33,338,500 | 1,978 |
| Average total loans | $109,667,000 | 3,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 5,441 |
| Cost of funding earning assets | 0.7202% | 6,826 |
| Net interest margin | 4.0729% | 2,693 |
| Noninterest income to average assets | 0.4091% | 4,831 |
| Noninterest expense to average assets | 1.6424% | 7,379 |
| Loan and lease loss provision to assets | 0.1268% | 5,895 |
| Net operating income to assets | 1.5063% | 760 |
| Return on assets (ROA) | 1.5649% | 726 |
| Pretax return on assets | 2.3256% | 242 |
| Return on Equity (ROE) | 9.8396% | 1,991 |
| Retained earnings to average equity (ytd only) | 2.1689% | 4,373 |
| Net charge-offs to loans | 0.1308% | 5,595 |
| Credit loss provision to net charge-offs | 176.6667% | 1,887 |
| Earnings coverage of net charge-offs (x) | 32.9533% | 680 |
| Efficiency ratio | 37.2612% | 7,534 |
| Assets per employee ($millions) | 6.1421% | 1,114 |
| Cash dividends to net income (ytd only)* | 77.9578% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7628% | 1,100 |
| Loan loss allowance to noncurrent loans | 1,188.9764% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 6,965 |
| Noncurrent loans to loans | 0.2324% | 6,597 |
| Net loans and leases to total assets | 44.3721% | 6,683 |
| Net loans and leases to deposits | 64.1010% | 5,618 |
| Net loans and leases to core deposits | 73.4410% | 5,050 |
| Total domestic deposits to total assets | 69.2223% | 7,277 |
| Equity capital to assets | 13.8394% | 1,087 |
| Core capital (leverage) ratio | 9.1838% | 4,200 |
| Tier 1 risk-based capital ratio | 13.9283% | 3,912 |
| Total risk-based capital ratio | 15.1899% | 3,875 |
| Memoranda: | ||
| Average total assets | $209,019,000 | 2,989 |
| Average earning assets | $184,659,000 | 3,069 |
| Average equity | $33,243,200 | 1,991 |
| Average total loans | $114,667,200 | 3,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1171% | 4,230 |
| Cost of funding earning assets | 0.7735% | 6,833 |
| Net interest margin | 4.3436% | 1,698 |
| Noninterest income to average assets | 0.4197% | 4,801 |
| Noninterest expense to average assets | 1.7121% | 7,430 |
| Loan and lease loss provision to assets | 0.1754% | 5,288 |
| Net operating income to assets | 1.5753% | 777 |
| Return on assets (ROA) | 1.6565% | 735 |
| Pretax return on assets | 2.4714% | 240 |
| Return on Equity (ROE) | 10.0279% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.2164% | 3,522 |
| Net charge-offs to loans | 0.1138% | 5,400 |
| Credit loss provision to net charge-offs | 267.6768% | 1,230 |
| Earnings coverage of net charge-offs (x) | 38.5344% | 706 |
| Efficiency ratio | 36.6037% | 7,630 |
| Assets per employee ($millions) | 4.9572% | 2,233 |
| Cash dividends to net income (ytd only)* | 57.9537% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6774% | 1,103 |
| Loan loss allowance to noncurrent loans | 959.3750% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 6,789 |
| Noncurrent loans to loans | 0.2791% | 6,631 |
| Net loans and leases to total assets | 60.8426% | 4,750 |
| Net loans and leases to deposits | 79.1634% | 3,604 |
| Net loans and leases to core deposits | 81.9034% | 4,262 |
| Total domestic deposits to total assets | 76.8570% | 6,512 |
| Equity capital to assets | 18.4221% | 380 |
| Core capital (leverage) ratio | 11.2381% | 2,106 |
| Tier 1 risk-based capital ratio | 14.7615% | 3,362 |
| Total risk-based capital ratio | 16.0245% | 3,339 |
| Memoranda: | ||
| Average total assets | $201,388,750 | 3,120 |
| Average earning assets | $177,022,500 | 3,204 |
| Average equity | $33,266,250 | 2,004 |
| Average total loans | $116,006,750 | 3,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 4,785 |
| Cost of funding earning assets | 0.7715% | 7,001 |
| Net interest margin | 4.2612% | 1,918 |
| Noninterest income to average assets | 0.3549% | 5,305 |
| Noninterest expense to average assets | 1.5951% | 7,570 |
| Loan and lease loss provision to assets | 0.2556% | 4,377 |
| Net operating income to assets | 1.5218% | 871 |
| Return on assets (ROA) | 1.5218% | 933 |
| Pretax return on assets | 2.2596% | 364 |
| Return on Equity (ROE) | 9.5370% | 2,258 |
| Retained earnings to average equity (ytd only) | 4.3999% | 3,276 |
| Net charge-offs to loans | 0.1752% | 4,563 |
| Credit loss provision to net charge-offs | 259.8039% | 1,463 |
| Earnings coverage of net charge-offs (x) | 25.5686% | 1,031 |
| Efficiency ratio | 35.0070% | 7,707 |
| Assets per employee ($millions) | 4.8391% | 2,388 |
| Cash dividends to net income (ytd only)* | 53.8657% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 1,163 |
| Loan loss allowance to noncurrent loans | 946.6049% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 6,843 |
| Noncurrent loans to loans | 0.2771% | 6,676 |
| Net loans and leases to total assets | 58.8193% | 5,280 |
| Net loans and leases to deposits | 76.2293% | 4,293 |
| Net loans and leases to core deposits | 83.3349% | 4,235 |
| Total domestic deposits to total assets | 77.1610% | 6,457 |
| Equity capital to assets | 17.3204% | 487 |
| Core capital (leverage) ratio | 10.0891% | 3,079 |
| Tier 1 risk-based capital ratio | 13.9827% | 3,742 |
| Total risk-based capital ratio | 15.2450% | 3,698 |
| Memoranda: | ||
| Average total assets | $207,379,670 | 3,071 |
| Average earning assets | $182,766,000 | 3,164 |
| Average equity | $33,092,000 | 2,012 |
| Average total loans | $116,454,000 | 3,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 5,674 |
| Cost of funding earning assets | 0.7543% | 7,221 |
| Net interest margin | 4.0988% | 2,444 |
| Noninterest income to average assets | 0.3173% | 5,606 |
| Noninterest expense to average assets | 1.4728% | 7,727 |
| Loan and lease loss provision to assets | 0.3080% | 3,578 |
| Net operating income to assets | 1.4541% | 976 |
| Return on assets (ROA) | 1.4541% | 1,050 |
| Pretax return on assets | 2.1578% | 453 |
| Return on Equity (ROE) | 9.4783% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.3072% | 3,564 |
| Net charge-offs to loans | 0.3579% | 2,978 |
| Credit loss provision to net charge-offs | 158.6538% | 2,267 |
| Earnings coverage of net charge-offs (x) | 12.7019% | 1,547 |
| Efficiency ratio | 33.5545% | 7,821 |
| Assets per employee ($millions) | 5.2840% | 1,878 |
| Cash dividends to net income (ytd only)* | 54.5571% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 1,215 |
| Loan loss allowance to noncurrent loans | 507.7055% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 6,602 |
| Noncurrent loans to loans | 0.5060% | 6,281 |
| Net loans and leases to total assets | 53.2075% | 6,128 |
| Net loans and leases to deposits | 79.7753% | 3,700 |
| Net loans and leases to core deposits | 81.3295% | 4,578 |
| Total domestic deposits to total assets | 66.6968% | 7,590 |
| Equity capital to assets | 15.6713% | 725 |
| Core capital (leverage) ratio | 9.4660% | 3,826 |
| Tier 1 risk-based capital ratio | 13.1467% | 4,239 |
| Total risk-based capital ratio | 14.4071% | 4,195 |
| Memoranda: | ||
| Average total assets | $214,287,500 | 3,053 |
| Average earning assets | $189,321,500 | 3,126 |
| Average equity | $32,875,000 | 2,048 |
| Average total loans | $116,221,000 | 3,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9161% | 2,169 |
| Cost of funding earning assets | 0.8778% | 7,443 |
| Net interest margin | 5.0384% | 411 |
| Noninterest income to average assets | 0.4589% | 4,725 |
| Noninterest expense to average assets | 1.9291% | 7,458 |
| Loan and lease loss provision to assets | 0.5394% | 3,671 |
| Net operating income to assets | 1.5721% | 576 |
| Return on assets (ROA) | 1.5721% | 623 |
| Pretax return on assets | 2.3529% | 201 |
| Return on Equity (ROE) | 9.2845% | 1,928 |
| Retained earnings to average equity (ytd only) | 9.2845% | 449 |
| Net charge-offs to loans | 0.0217% | 6,933 |
| Credit loss provision to net charge-offs | 3,788.4615% | 94 |
| Earnings coverage of net charge-offs (x) | 203.1538% | 138 |
| Efficiency ratio | 35.9341% | 7,901 |
| Assets per employee ($millions) | 5.4304% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4817% | 1,254 |
| Loan loss allowance to noncurrent loans | 7,260.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 7,271 |
| Noncurrent loans to loans | 0.0342% | 7,344 |
| Net loans and leases to total assets | 52.5348% | 6,360 |
| Net loans and leases to deposits | 79.4919% | 4,089 |
| Net loans and leases to core deposits | 91.2926% | 4,976 |
| Total domestic deposits to total assets | 66.0883% | 7,636 |
| Equity capital to assets | 15.0207% | 906 |
| Core capital (leverage) ratio | 9.1950% | 4,129 |
| Tier 1 risk-based capital ratio | 12.7285% | 4,344 |
| Total risk-based capital ratio | 13.9878% | 4,277 |
| Memoranda: | ||
| Average total assets | $182,624,200 | 3,397 |
| Average earning assets | $158,126,800 | 3,554 |
| Average equity | $30,922,600 | 2,171 |
| Average total loans | $119,845,600 | 3,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1077% | 1,623 |
| Cost of funding earning assets | 0.9074% | 7,544 |
| Net interest margin | 5.2004% | 301 |
| Noninterest income to average assets | 0.5158% | 4,359 |
| Noninterest expense to average assets | 2.0477% | 7,290 |
| Loan and lease loss provision to assets | 0.6016% | 2,988 |
| Net operating income to assets | 1.5894% | 677 |
| Return on assets (ROA) | 1.5894% | 731 |
| Pretax return on assets | 2.3596% | 254 |
| Return on Equity (ROE) | 9.0675% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.0675% | 829 |
| Net charge-offs to loans | 0.0343% | 6,416 |
| Credit loss provision to net charge-offs | 2,532.2581% | 160 |
| Earnings coverage of net charge-offs (x) | 124.6521% | 300 |
| Efficiency ratio | 36.6432% | 7,968 |
| Assets per employee ($millions) | 5.1188% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 1,456 |
| Loan loss allowance to noncurrent loans | 6,276.7442% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 7,310 |
| Noncurrent loans to loans | 0.0347% | 7,426 |
| Net loans and leases to total assets | 59.1674% | 5,717 |
| Net loans and leases to deposits | 91.7669% | 2,274 |
| Net loans and leases to core deposits | 105.2702% | 3,787 |
| Total domestic deposits to total assets | 64.4757% | 7,748 |
| Equity capital to assets | 15.7629% | 838 |
| Core capital (leverage) ratio | 10.4325% | 2,847 |
| Tier 1 risk-based capital ratio | 11.7101% | 5,232 |
| Total risk-based capital ratio | 12.9661% | 5,174 |
| Memoranda: | ||
| Average total assets | $173,976,750 | 3,552 |
| Average earning assets | $150,319,000 | 3,723 |
| Average equity | $30,496,500 | 2,218 |
| Average total loans | $120,552,750 | 3,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 1,322 |
| Cost of funding earning assets | 0.9892% | 7,563 |
| Net interest margin | 5.2648% | 260 |
| Noninterest income to average assets | 0.6401% | 3,420 |
| Noninterest expense to average assets | 2.1464% | 7,180 |
| Loan and lease loss provision to assets | 0.5619% | 2,774 |
| Net operating income to assets | 1.6150% | 661 |
| Return on assets (ROA) | 1.6150% | 728 |
| Pretax return on assets | 2.4506% | 233 |
| Return on Equity (ROE) | 8.8417% | 2,414 |
| Retained earnings to average equity (ytd only) | 8.8417% | 977 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2247% | 8,054 |
| Assets per employee ($millions) | 4.6456% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 1,737 |
| Loan loss allowance to noncurrent loans | 4,908.1633% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 7,279 |
| Noncurrent loans to loans | 0.0391% | 7,442 |
| Net loans and leases to total assets | 69.5506% | 3,805 |
| Net loans and leases to deposits | 115.6285% | 342 |
| Net loans and leases to core deposits | 135.1091% | 1,258 |
| Total domestic deposits to total assets | 60.1500% | 7,930 |
| Equity capital to assets | 17.3385% | 621 |
| Core capital (leverage) ratio | 11.0297% | 2,377 |
| Tier 1 risk-based capital ratio | 11.5622% | 5,321 |
| Total risk-based capital ratio | 12.8176% | 5,249 |
| Memoranda: | ||
| Average total assets | $163,718,000 | 3,746 |
| Average earning assets | $140,517,670 | 3,940 |
| Average equity | $29,903,670 | 2,268 |
| Average total loans | $119,455,000 | 3,548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4307% | 994 |
| Cost of funding earning assets | 1.0678% | 7,568 |
| Net interest margin | 5.3629% | 213 |
| Noninterest income to average assets | 0.6128% | 3,454 |
| Noninterest expense to average assets | 2.0189% | 7,313 |
| Loan and lease loss provision to assets | 0.6484% | 1,952 |
| Net operating income to assets | 1.6401% | 739 |
| Return on assets (ROA) | 1.6401% | 809 |
| Pretax return on assets | 2.5300% | 243 |
| Return on Equity (ROE) | 8.7305% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.7305% | 1,558 |
| Net charge-offs to loans | 0.0137% | 5,404 |
| Credit loss provision to net charge-offs | 6,375.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 312.5000% | 130 |
| Efficiency ratio | 34.3444% | 8,121 |
| Assets per employee ($millions) | 4.1036% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 1,676 |
| Loan loss allowance to noncurrent loans | 3,722.0339% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,887 |
| Noncurrent loans to loans | 0.0504% | 7,393 |
| Net loans and leases to total assets | 71.7714% | 3,295 |
| Net loans and leases to deposits | 108.8233% | 678 |
| Net loans and leases to core deposits | 128.4218% | 1,751 |
| Total domestic deposits to total assets | 65.9523% | 7,735 |
| Equity capital to assets | 18.6047% | 532 |
| Core capital (leverage) ratio | 11.1929% | 2,345 |
| Tier 1 risk-based capital ratio | 11.8663% | 5,069 |
| Total risk-based capital ratio | 13.1210% | 4,968 |
| Memoranda: | ||
| Average total assets | $157,311,000 | 3,877 |
| Average earning assets | $134,480,000 | 4,062 |
| Average equity | $29,551,500 | 2,312 |
| Average total loans | $116,590,500 | 3,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9693% | 1,207 |
| Cost of funding earning assets | 1.6784% | 7,311 |
| Net interest margin | 5.2908% | 287 |
| Noninterest income to average assets | 0.4272% | 5,235 |
| Noninterest expense to average assets | 2.2517% | 6,828 |
| Loan and lease loss provision to assets | 0.2548% | 4,371 |
| Net operating income to assets | 1.4939% | 1,029 |
| Return on assets (ROA) | 1.4939% | 991 |
| Pretax return on assets | 2.3294% | 285 |
| Return on Equity (ROE) | 8.1435% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.1435% | 800 |
| Net charge-offs to loans | 0.0155% | 6,668 |
| Credit loss provision to net charge-offs | 2,294.1176% | 201 |
| Earnings coverage of net charge-offs (x) | 232.7059% | 205 |
| Efficiency ratio | 41.0914% | 8,103 |
| Assets per employee ($millions) | 4.1779% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 1,982 |
| Loan loss allowance to noncurrent loans | 4,052.0833% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 6,722 |
| Noncurrent loans to loans | 0.0413% | 7,336 |
| Net loans and leases to total assets | 73.8618% | 3,140 |
| Net loans and leases to deposits | 100.5699% | 1,776 |
| Net loans and leases to core deposits | 117.8030% | 2,912 |
| Total domestic deposits to total assets | 73.4432% | 6,748 |
| Equity capital to assets | 18.9725% | 546 |
| Core capital (leverage) ratio | 10.1659% | 3,306 |
| Tier 1 risk-based capital ratio | 11.7000% | 5,058 |
| Total risk-based capital ratio | 12.9535% | 4,954 |
| Memoranda: | ||
| Average total assets | $153,085,800 | 3,842 |
| Average earning assets | $127,560,200 | 4,096 |
| Average equity | $28,083,800 | 2,404 |
| Average total loans | $109,612,400 | 3,686 |