Home > The Peoples National Bank > Performance and Condition Ratios
The Peoples National Bank, 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 | 4.8816% | 2,315 |
| Cost of funding earning assets | 0.7908% | 3,541 |
| Net interest margin | 4.0908% | 2,134 |
| Noninterest income to average assets | 0.8387% | 1,989 |
| Noninterest expense to average assets | 3.7946% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6210% | 4,252 |
| Return on assets (ROA) | 0.8642% | 3,314 |
| Pretax return on assets | 0.9228% | 3,958 |
| Return on Equity (ROE) | 7.5780% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.5780% | 2,139 |
| Net charge-offs to loans | 0.7478% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5740% | 3,545 |
| Efficiency ratio | 85.1058% | 1,572 |
| Assets per employee ($millions) | 4.4026% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4969% | 1,362 |
| Loan loss allowance to noncurrent loans | 48.9086% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 5.4728% | 901 |
| Noncurrent loans to loans | 5.1052% | 1,089 |
| Net loans and leases to total assets | 55.8798% | 4,407 |
| Net loans and leases to deposits | 66.1479% | 4,358 |
| Net loans and leases to core deposits | 70.9906% | 4,289 |
| Total domestic deposits to total assets | 84.4771% | 4,284 |
| Equity capital to assets | 11.9538% | 2,079 |
| Core capital (leverage) ratio | 9.9116% | 3,481 |
| Tier 1 risk-based capital ratio | 15.8689% | 3,236 |
| Total risk-based capital ratio | 17.1316% | 3,202 |
| Memoranda: | ||
| Average total assets | $313,816,500 | 2,070 |
| Average earning assets | $277,695,000 | 2,142 |
| Average equity | $35,788,000 | 1,943 |
| Average total loans | $177,058,000 | 2,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 1,916 |
| Cost of funding earning assets | 1.0826% | 2,787 |
| Net interest margin | 4.1560% | 2,210 |
| Noninterest income to average assets | 0.9304% | 1,568 |
| Noninterest expense to average assets | 3.3748% | 2,306 |
| Loan and lease loss provision to assets | 0.7029% | 1,456 |
| Net operating income to assets | 0.4552% | 4,611 |
| Return on assets (ROA) | 0.5374% | 4,474 |
| Pretax return on assets | 0.6177% | 4,638 |
| Return on Equity (ROE) | 5.2422% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.2422% | 2,486 |
| Net charge-offs to loans | 1.6030% | 988 |
| Credit loss provision to net charge-offs | 69.0621% | 4,889 |
| Earnings coverage of net charge-offs (x) | 1.2046% | 4,880 |
| Efficiency ratio | 73.3513% | 3,332 |
| Assets per employee ($millions) | 4.5614% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5986% | 1,194 |
| Loan loss allowance to noncurrent loans | 77.3991% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 5.1369% | 1,026 |
| Noncurrent loans to loans | 3.3574% | 1,930 |
| Net loans and leases to total assets | 54.1417% | 5,018 |
| Net loans and leases to deposits | 62.8884% | 5,132 |
| Net loans and leases to core deposits | 70.9478% | 4,655 |
| Total domestic deposits to total assets | 86.0917% | 3,266 |
| Equity capital to assets | 10.8885% | 3,092 |
| Core capital (leverage) ratio | 9.4827% | 4,052 |
| Tier 1 risk-based capital ratio | 14.6831% | 3,844 |
| Total risk-based capital ratio | 15.9461% | 3,813 |
| Memoranda: | ||
| Average total assets | $322,657,400 | 1,996 |
| Average earning assets | $284,961,400 | 2,061 |
| Average equity | $33,077,800 | 2,016 |
| Average total loans | $204,861,400 | 1,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 1,872 |
| Cost of funding earning assets | 1.1393% | 2,703 |
| Net interest margin | 4.1572% | 2,253 |
| Noninterest income to average assets | 0.9538% | 1,476 |
| Noninterest expense to average assets | 3.4669% | 2,029 |
| Loan and lease loss provision to assets | 0.8967% | 998 |
| Net operating income to assets | 0.2454% | 5,584 |
| Return on assets (ROA) | 0.3640% | 5,337 |
| Pretax return on assets | 0.3867% | 5,508 |
| Return on Equity (ROE) | 3.6067% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.6067% | 4,181 |
| Net charge-offs to loans | 1.4238% | 1,040 |
| Credit loss provision to net charge-offs | 96.1846% | 3,568 |
| Earnings coverage of net charge-offs (x) | 1.2413% | 4,684 |
| Efficiency ratio | 74.9732% | 3,009 |
| Assets per employee ($millions) | 4.3849% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8448% | 987 |
| Loan loss allowance to noncurrent loans | 65.0731% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 6.0535% | 879 |
| Noncurrent loans to loans | 4.3717% | 1,492 |
| Net loans and leases to total assets | 59.8332% | 4,161 |
| Net loans and leases to deposits | 69.8064% | 4,330 |
| Net loans and leases to core deposits | 80.0148% | 3,636 |
| Total domestic deposits to total assets | 85.7131% | 3,371 |
| Equity capital to assets | 10.7648% | 3,403 |
| Core capital (leverage) ratio | 9.2260% | 4,579 |
| Tier 1 risk-based capital ratio | 13.6940% | 4,581 |
| Total risk-based capital ratio | 14.9606% | 4,535 |
| Memoranda: | ||
| Average total assets | $322,357,750 | 2,003 |
| Average earning assets | $284,606,000 | 2,068 |
| Average equity | $32,531,500 | 2,042 |
| Average total loans | $211,072,000 | 1,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 1,933 |
| Cost of funding earning assets | 1.1866% | 2,664 |
| Net interest margin | 4.0987% | 2,413 |
| Noninterest income to average assets | 1.0195% | 1,275 |
| Noninterest expense to average assets | 3.3883% | 2,296 |
| Loan and lease loss provision to assets | 0.9378% | 941 |
| Net operating income to assets | 0.2922% | 5,399 |
| Return on assets (ROA) | 0.2922% | 5,539 |
| Pretax return on assets | 0.3132% | 5,639 |
| Return on Equity (ROE) | 2.9602% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9602% | 4,395 |
| Net charge-offs to loans | 0.9596% | 1,631 |
| Credit loss provision to net charge-offs | 146.3768% | 2,090 |
| Earnings coverage of net charge-offs (x) | 1.9527% | 3,888 |
| Efficiency ratio | 73.0354% | 3,538 |
| Assets per employee ($millions) | 4.2498% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9850% | 911 |
| Loan loss allowance to noncurrent loans | 51.1601% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 6.4182% | 836 |
| Noncurrent loans to loans | 5.8346% | 1,045 |
| Net loans and leases to total assets | 62.1268% | 3,867 |
| Net loans and leases to deposits | 72.4897% | 4,041 |
| Net loans and leases to core deposits | 83.9445% | 3,220 |
| Total domestic deposits to total assets | 85.7043% | 3,492 |
| Equity capital to assets | 10.1391% | 3,966 |
| Core capital (leverage) ratio | 9.0082% | 4,709 |
| Tier 1 risk-based capital ratio | 13.0502% | 4,875 |
| Total risk-based capital ratio | 14.3187% | 4,843 |
| Memoranda: | ||
| Average total assets | $323,111,000 | 2,006 |
| Average earning assets | $285,361,000 | 2,073 |
| Average equity | $31,889,330 | 2,073 |
| Average total loans | $215,718,330 | 1,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2753% | 1,953 |
| Cost of funding earning assets | 1.2331% | 2,611 |
| Net interest margin | 4.0421% | 2,501 |
| Noninterest income to average assets | 1.0991% | 1,084 |
| Noninterest expense to average assets | 3.5151% | 1,963 |
| Loan and lease loss provision to assets | 1.0521% | 709 |
| Net operating income to assets | 0.1399% | 5,971 |
| Return on assets (ROA) | 0.1399% | 6,029 |
| Pretax return on assets | 0.0941% | 6,180 |
| Return on Equity (ROE) | 1.4367% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.4367% | 5,242 |
| Net charge-offs to loans | 1.1573% | 1,199 |
| Credit loss provision to net charge-offs | 133.4380% | 2,076 |
| Earnings coverage of net charge-offs (x) | 1.4537% | 3,620 |
| Efficiency ratio | 75.4116% | 3,260 |
| Assets per employee ($millions) | 4.3412% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7242% | 1,187 |
| Loan loss allowance to noncurrent loans | 45.5928% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 6.6768% | 816 |
| Noncurrent loans to loans | 5.9751% | 1,059 |
| Net loans and leases to total assets | 64.7820% | 3,289 |
| Net loans and leases to deposits | 74.9090% | 3,613 |
| Net loans and leases to core deposits | 86.8329% | 2,754 |
| Total domestic deposits to total assets | 86.4809% | 3,248 |
| Equity capital to assets | 9.6759% | 4,206 |
| Core capital (leverage) ratio | 8.8696% | 4,820 |
| Tier 1 risk-based capital ratio | 12.4935% | 5,276 |
| Total risk-based capital ratio | 13.7599% | 5,236 |
| Memoranda: | ||
| Average total assets | $323,173,500 | 2,020 |
| Average earning assets | $284,801,000 | 2,082 |
| Average equity | $31,460,000 | 2,082 |
| Average total loans | $220,160,000 | 1,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 2,332 |
| Cost of funding earning assets | 1.4074% | 3,213 |
| Net interest margin | 4.0824% | 2,648 |
| Noninterest income to average assets | 0.8566% | 2,026 |
| Noninterest expense to average assets | 3.3931% | 2,452 |
| Loan and lease loss provision to assets | 1.5836% | 911 |
| Net operating income to assets | -0.2600% | 6,178 |
| Return on assets (ROA) | -0.1286% | 6,078 |
| Pretax return on assets | -0.3207% | 6,179 |
| Return on Equity (ROE) | -1.3341% | 6,099 |
| Retained earnings to average equity (ytd only) | -1.7224% | 5,922 |
| Net charge-offs to loans | 1.9068% | 1,079 |
| Credit loss provision to net charge-offs | 116.6852% | 3,674 |
| Earnings coverage of net charge-offs (x) | 0.7793% | 5,345 |
| Efficiency ratio | 76.2363% | 3,019 |
| Assets per employee ($millions) | 4.2767% | 3,254 |
| Cash dividends to net income (ytd only)* | -29.1080% | 7,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5478% | 1,353 |
| Loan loss allowance to noncurrent loans | 45.8085% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 6.6796% | 845 |
| Noncurrent loans to loans | 5.5618% | 1,176 |
| Net loans and leases to total assets | 67.9004% | 3,006 |
| Net loans and leases to deposits | 78.0529% | 3,502 |
| Net loans and leases to core deposits | 90.8823% | 2,636 |
| Total domestic deposits to total assets | 86.9929% | 2,826 |
| Equity capital to assets | 9.7944% | 4,007 |
| Core capital (leverage) ratio | 8.9066% | 4,684 |
| Tier 1 risk-based capital ratio | 12.0299% | 5,442 |
| Total risk-based capital ratio | 13.2941% | 5,418 |
| Memoranda: | ||
| Average total assets | $331,200,400 | 1,960 |
| Average earning assets | $291,592,400 | 2,034 |
| Average equity | $31,932,200 | 2,054 |
| Average total loans | $235,738,000 | 1,854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 2,447 |
| Cost of funding earning assets | 1.4421% | 3,316 |
| Net interest margin | 4.0521% | 2,849 |
| Noninterest income to average assets | 0.8324% | 2,067 |
| Noninterest expense to average assets | 3.1158% | 3,258 |
| Loan and lease loss provision to assets | 2.0151% | 588 |
| Net operating income to assets | -0.3963% | 6,515 |
| Return on assets (ROA) | -0.2225% | 6,403 |
| Pretax return on assets | -0.4625% | 6,520 |
| Return on Equity (ROE) | -2.3163% | 6,434 |
| Retained earnings to average equity (ytd only) | -2.8320% | 6,327 |
| Net charge-offs to loans | 2.1686% | 847 |
| Credit loss provision to net charge-offs | 129.8919% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 5,230 |
| Efficiency ratio | 70.8666% | 3,908 |
| Assets per employee ($millions) | 4.1978% | 3,448 |
| Cash dividends to net income (ytd only)* | -22.2622% | 7,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6491% | 1,144 |
| Loan loss allowance to noncurrent loans | 45.3061% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 7.1370% | 747 |
| Noncurrent loans to loans | 5.8472% | 1,097 |
| Net loans and leases to total assets | 69.4079% | 2,878 |
| Net loans and leases to deposits | 81.0125% | 3,264 |
| Net loans and leases to core deposits | 93.6223% | 2,576 |
| Total domestic deposits to total assets | 85.6755% | 3,253 |
| Equity capital to assets | 9.9344% | 4,242 |
| Core capital (leverage) ratio | 8.7106% | 5,163 |
| Tier 1 risk-based capital ratio | 11.8644% | 5,577 |
| Total risk-based capital ratio | 13.1310% | 5,543 |
| Memoranda: | ||
| Average total assets | $333,811,750 | 1,977 |
| Average earning assets | $293,636,000 | 2,052 |
| Average equity | $32,061,250 | 2,065 |
| Average total loans | $238,800,500 | 1,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 2,484 |
| Cost of funding earning assets | 1.4828% | 3,351 |
| Net interest margin | 4.0243% | 2,905 |
| Noninterest income to average assets | 0.8081% | 2,077 |
| Noninterest expense to average assets | 3.0918% | 3,356 |
| Loan and lease loss provision to assets | 2.4575% | 470 |
| Net operating income to assets | -0.7021% | 6,810 |
| Return on assets (ROA) | -0.5010% | 6,696 |
| Pretax return on assets | -0.8822% | 6,834 |
| Return on Equity (ROE) | -5.2739% | 6,718 |
| Retained earnings to average equity (ytd only) | -6.0478% | 6,660 |
| Net charge-offs to loans | 2.4157% | 724 |
| Credit loss provision to net charge-offs | 142.0493% | 2,802 |
| Earnings coverage of net charge-offs (x) | 0.7289% | 5,018 |
| Efficiency ratio | 71.0297% | 3,981 |
| Assets per employee ($millions) | 4.0653% | 3,641 |
| Cash dividends to net income (ytd only)* | -14.6746% | 7,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 1,161 |
| Loan loss allowance to noncurrent loans | 43.4058% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 7.0695% | 747 |
| Noncurrent loans to loans | 6.0654% | 1,047 |
| Net loans and leases to total assets | 71.0630% | 2,635 |
| Net loans and leases to deposits | 82.3705% | 3,206 |
| Net loans and leases to core deposits | 119.2226% | 720 |
| Total domestic deposits to total assets | 86.2724% | 2,938 |
| Equity capital to assets | 9.8911% | 4,150 |
| Core capital (leverage) ratio | 8.5481% | 5,329 |
| Tier 1 risk-based capital ratio | 11.7209% | 5,568 |
| Total risk-based capital ratio | 12.9874% | 5,514 |
| Memoranda: | ||
| Average total assets | $337,339,000 | 1,973 |
| Average earning assets | $297,147,000 | 2,045 |
| Average equity | $32,044,670 | 2,056 |
| Average total loans | $241,583,330 | 1,861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 2,745 |
| Cost of funding earning assets | 1.5009% | 3,548 |
| Net interest margin | 3.9665% | 3,018 |
| Noninterest income to average assets | 0.8025% | 2,007 |
| Noninterest expense to average assets | 3.0617% | 3,426 |
| Loan and lease loss provision to assets | 3.7576% | 242 |
| Net operating income to assets | -1.5783% | 7,357 |
| Return on assets (ROA) | -1.5783% | 7,361 |
| Pretax return on assets | -2.5128% | 7,515 |
| Return on Equity (ROE) | -16.9401% | 7,371 |
| Retained earnings to average equity (ytd only) | -18.4812% | 7,327 |
| Net charge-offs to loans | 3.3902% | 427 |
| Credit loss provision to net charge-offs | 156.1598% | 2,292 |
| Earnings coverage of net charge-offs (x) | 0.5173% | 4,572 |
| Efficiency ratio | 71.0944% | 4,103 |
| Assets per employee ($millions) | 4.4241% | 3,085 |
| Cash dividends to net income (ytd only)* | -9.0976% | 7,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5211% | 1,265 |
| Loan loss allowance to noncurrent loans | 46.2955% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 6.3260% | 918 |
| Noncurrent loans to loans | 5.4457% | 1,295 |
| Net loans and leases to total assets | 69.3607% | 3,076 |
| Net loans and leases to deposits | 80.5145% | 3,550 |
| Net loans and leases to core deposits | 94.1171% | 2,828 |
| Total domestic deposits to total assets | 86.1468% | 3,072 |
| Equity capital to assets | 9.2304% | 4,949 |
| Core capital (leverage) ratio | 8.2344% | 5,856 |
| Tier 1 risk-based capital ratio | 11.0594% | 6,105 |
| Total risk-based capital ratio | 12.3242% | 6,059 |
| Memoranda: | ||
| Average total assets | $345,430,500 | 1,983 |
| Average earning assets | $305,159,000 | 2,047 |
| Average equity | $32,184,000 | 2,080 |
| Average total loans | $245,178,000 | 1,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 2,935 |
| Cost of funding earning assets | 1.9305% | 3,298 |
| Net interest margin | 3.8040% | 3,689 |
| Noninterest income to average assets | 0.8956% | 1,958 |
| Noninterest expense to average assets | 3.1050% | 3,718 |
| Loan and lease loss provision to assets | 0.8731% | 2,562 |
| Net operating income to assets | 0.2944% | 4,554 |
| Return on assets (ROA) | 0.2528% | 4,796 |
| Pretax return on assets | 0.2686% | 4,847 |
| Return on Equity (ROE) | 2.6813% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.8354% | 3,811 |
| Net charge-offs to loans | 1.9418% | 1,278 |
| Credit loss provision to net charge-offs | 60.2742% | 6,636 |
| Earnings coverage of net charge-offs (x) | 0.8188% | 5,291 |
| Efficiency ratio | 72.3601% | 4,207 |
| Assets per employee ($millions) | 4.3235% | 3,236 |
| Cash dividends to net income (ytd only)* | 31.5490% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,043 |
| Loan loss allowance to noncurrent loans | 45.7397% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 5.0428% | 1,212 |
| Noncurrent loans to loans | 4.3591% | 1,644 |
| Net loans and leases to total assets | 69.3936% | 3,388 |
| Net loans and leases to deposits | 79.9205% | 4,012 |
| Net loans and leases to core deposits | 107.4711% | 3,164 |
| Total domestic deposits to total assets | 86.8282% | 2,593 |
| Equity capital to assets | 9.4014% | 4,551 |
| Core capital (leverage) ratio | 8.7338% | 4,863 |
| Tier 1 risk-based capital ratio | 11.6070% | 5,290 |
| Total risk-based capital ratio | 12.8652% | 5,240 |
| Memoranda: | ||
| Average total assets | $347,376,400 | 1,965 |
| Average earning assets | $310,067,400 | 2,003 |
| Average equity | $32,745,200 | 2,042 |
| Average total loans | $259,137,600 | 1,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 3,182 |
| Cost of funding earning assets | 2.0337% | 3,195 |
| Net interest margin | 3.6973% | 4,084 |
| Noninterest income to average assets | 0.9084% | 1,950 |
| Noninterest expense to average assets | 3.0780% | 3,733 |
| Loan and lease loss provision to assets | 0.8204% | 2,321 |
| Net operating income to assets | 0.3031% | 4,779 |
| Return on assets (ROA) | 0.2450% | 5,089 |
| Pretax return on assets | 0.2569% | 5,174 |
| Return on Equity (ROE) | 2.5972% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.9734% | 4,223 |
| Net charge-offs to loans | 2.0616% | 946 |
| Credit loss provision to net charge-offs | 52.6667% | 6,276 |
| Earnings coverage of net charge-offs (x) | 0.7309% | 5,309 |
| Efficiency ratio | 73.0001% | 4,054 |
| Assets per employee ($millions) | 4.1506% | 3,458 |
| Cash dividends to net income (ytd only)* | 24.0183% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 1,866 |
| Loan loss allowance to noncurrent loans | 33.9411% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 6.3334% | 813 |
| Noncurrent loans to loans | 5.8060% | 1,043 |
| Net loans and leases to total assets | 74.3662% | 2,427 |
| Net loans and leases to deposits | 89.2909% | 2,721 |
| Net loans and leases to core deposits | 117.6200% | 2,454 |
| Total domestic deposits to total assets | 83.2852% | 4,070 |
| Equity capital to assets | 9.8578% | 4,266 |
| Core capital (leverage) ratio | 9.4377% | 3,995 |
| Tier 1 risk-based capital ratio | 11.9201% | 5,048 |
| Total risk-based capital ratio | 13.1780% | 4,975 |
| Memoranda: | ||
| Average total assets | $346,669,500 | 1,977 |
| Average earning assets | $310,162,750 | 2,025 |
| Average equity | $32,700,500 | 2,066 |
| Average total loans | $261,931,250 | 1,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8389% | 2,851 |
| Cost of funding earning assets | 2.1431% | 3,073 |
| Net interest margin | 3.6958% | 3,962 |
| Noninterest income to average assets | 0.8579% | 2,151 |
| Noninterest expense to average assets | 2.9729% | 4,193 |
| Loan and lease loss provision to assets | 0.7043% | 2,317 |
| Net operating income to assets | 0.4063% | 4,490 |
| Return on assets (ROA) | 0.3296% | 4,879 |
| Pretax return on assets | 0.3930% | 4,956 |
| Return on Equity (ROE) | 3.5450% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.3668% | 3,449 |
| Net charge-offs to loans | 2.0112% | 920 |
| Credit loss provision to net charge-offs | 46.4057% | 5,813 |
| Earnings coverage of net charge-offs (x) | 0.7832% | 4,949 |
| Efficiency ratio | 71.4384% | 4,521 |
| Assets per employee ($millions) | 4.0891% | 3,517 |
| Cash dividends to net income (ytd only)* | 5.0260% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 1,364 |
| Loan loss allowance to noncurrent loans | 46.1764% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.2891% | 1,345 |
| Noncurrent loans to loans | 4.5818% | 1,397 |
| Net loans and leases to total assets | 75.2324% | 2,384 |
| Net loans and leases to deposits | 92.8573% | 2,305 |
| Net loans and leases to core deposits | 122.9425% | 2,114 |
| Total domestic deposits to total assets | 81.0194% | 5,075 |
| Equity capital to assets | 9.6441% | 4,434 |
| Core capital (leverage) ratio | 9.3519% | 4,095 |
| Tier 1 risk-based capital ratio | 11.8261% | 5,078 |
| Total risk-based capital ratio | 13.0862% | 4,983 |
| Memoranda: | ||
| Average total assets | $350,159,330 | 1,973 |
| Average earning assets | $313,005,670 | 2,037 |
| Average equity | $32,553,330 | 2,086 |
| Average total loans | $264,226,670 | 1,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 2,304 |
| Cost of funding earning assets | 2.2206% | 3,056 |
| Net interest margin | 3.7932% | 3,470 |
| Noninterest income to average assets | 0.8235% | 2,211 |
| Noninterest expense to average assets | 2.9319% | 4,048 |
| Loan and lease loss provision to assets | 0.6750% | 1,874 |
| Net operating income to assets | 0.4568% | 4,628 |
| Return on assets (ROA) | 0.4568% | 4,803 |
| Pretax return on assets | 0.5952% | 4,770 |
| Return on Equity (ROE) | 5.0025% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.0025% | 3,129 |
| Net charge-offs to loans | 3.3019% | 378 |
| Credit loss provision to net charge-offs | 27.3349% | 4,985 |
| Earnings coverage of net charge-offs (x) | 0.5144% | 4,576 |
| Efficiency ratio | 69.7724% | 4,629 |
| Assets per employee ($millions) | 4.3592% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 1,347 |
| Loan loss allowance to noncurrent loans | 57.6728% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.6356% | 1,460 |
| Noncurrent loans to loans | 3.5280% | 1,799 |
| Net loans and leases to total assets | 72.9242% | 3,027 |
| Net loans and leases to deposits | 90.8783% | 2,797 |
| Net loans and leases to core deposits | 121.4574% | 2,296 |
| Total domestic deposits to total assets | 80.2438% | 5,264 |
| Equity capital to assets | 9.2695% | 4,983 |
| Core capital (leverage) ratio | 9.1236% | 4,516 |
| Tier 1 risk-based capital ratio | 11.5142% | 5,396 |
| Total risk-based capital ratio | 12.7726% | 5,282 |
| Memoranda: | ||
| Average total assets | $355,539,500 | 1,952 |
| Average earning assets | $316,675,000 | 2,013 |
| Average equity | $32,464,000 | 2,088 |
| Average total loans | $265,911,500 | 1,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2814% | 4,061 |
| Cost of funding earning assets | 2.8996% | 2,269 |
| Net interest margin | 3.3818% | 5,732 |
| Noninterest income to average assets | 0.7581% | 2,734 |
| Noninterest expense to average assets | 3.0321% | 3,962 |
| Loan and lease loss provision to assets | 3.1883% | 277 |
| Net operating income to assets | -1.4922% | 7,460 |
| Return on assets (ROA) | -1.7585% | 7,497 |
| Pretax return on assets | -2.7875% | 7,657 |
| Return on Equity (ROE) | -21.3827% | 7,788 |
| Retained earnings to average equity (ytd only) | -23.8156% | 7,781 |
| Net charge-offs to loans | 2.5221% | 375 |
| Credit loss provision to net charge-offs | 161.8007% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.4145% | 5,985 |
| Efficiency ratio | 78.7792% | 2,794 |
| Assets per employee ($millions) | 4.1148% | 3,282 |
| Cash dividends to net income (ytd only)* | -11.3779% | 7,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5812% | 628 |
| Loan loss allowance to noncurrent loans | 59.1296% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 4.2474% | 933 |
| Noncurrent loans to loans | 4.3653% | 1,094 |
| Net loans and leases to total assets | 73.1989% | 3,316 |
| Net loans and leases to deposits | 93.2391% | 2,914 |
| Net loans and leases to core deposits | 118.5534% | 2,829 |
| Total domestic deposits to total assets | 78.5066% | 5,546 |
| Equity capital to assets | 8.9942% | 5,372 |
| Core capital (leverage) ratio | 9.0645% | 4,647 |
| Tier 1 risk-based capital ratio | 11.1484% | 5,600 |
| Total risk-based capital ratio | 12.4397% | 5,435 |
| Memoranda: | ||
| Average total assets | $352,856,800 | 1,893 |
| Average earning assets | $322,490,600 | 1,886 |
| Average equity | $29,018,800 | 2,331 |
| Average total loans | $275,678,600 | 1,738 |