Home > 3rd Fed Bank > Performance and Condition Ratios
3rd Fed Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 3,958 |
| Cost of funding earning assets | 0.4765% | 2,987 |
| Net interest margin | 3.4751% | 3,920 |
| Noninterest income to average assets | 0.3419% | 4,706 |
| Noninterest expense to average assets | 2.7319% | 3,703 |
| Loan and lease loss provision to assets | 0.0571% | 3,227 |
| Net operating income to assets | 0.5886% | 4,489 |
| Return on assets (ROA) | 0.5906% | 4,573 |
| Pretax return on assets | 0.7902% | 4,393 |
| Return on Equity (ROE) | 5.2972% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,376 |
| Net charge-offs to loans | 0.6236% | 580 |
| Credit loss provision to net charge-offs | 12.4782% | 3,676 |
| Earnings coverage of net charge-offs (x) | 1.8466% | 4,064 |
| Efficiency ratio | 76.0608% | 2,483 |
| Assets per employee ($millions) | 4.2257% | 3,427 |
| Cash dividends to net income (ytd only)* | 13.4953% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 6,142 |
| Loan loss allowance to noncurrent loans | 79.9056% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 2,369 |
| Noncurrent loans to loans | 0.8351% | 3,486 |
| Net loans and leases to total assets | 74.1768% | 1,499 |
| Net loans and leases to deposits | 90.5676% | 1,370 |
| Net loans and leases to core deposits | 91.1354% | 2,102 |
| Total domestic deposits to total assets | 81.9021% | 4,510 |
| Equity capital to assets | 11.6974% | 2,312 |
| Core capital (leverage) ratio | 11.1209% | 2,377 |
| Tier 1 risk-based capital ratio | 17.2224% | 2,512 |
| Total risk-based capital ratio | 17.9994% | 2,657 |
| Memoranda: | ||
| Average total assets | $836,404,250 | 810 |
| Average earning assets | $778,511,000 | 789 |
| Average equity | $93,254,250 | 792 |
| Average total loans | $613,380,000 | 714 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,136 |
| Cost of funding earning assets | 0.4948% | 2,884 |
| Net interest margin | 3.4049% | 4,151 |
| Noninterest income to average assets | 0.3484% | 4,641 |
| Noninterest expense to average assets | 2.4130% | 4,844 |
| Loan and lease loss provision to assets | 0.0237% | 3,805 |
| Net operating income to assets | 0.7832% | 3,407 |
| Return on assets (ROA) | 0.7861% | 3,498 |
| Pretax return on assets | 1.0833% | 3,167 |
| Return on Equity (ROE) | 7.1645% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.0839% | 2,267 |
| Net charge-offs to loans | 0.8220% | 461 |
| Credit loss provision to net charge-offs | 3.9573% | 3,370 |
| Earnings coverage of net charge-offs (x) | 1.8405% | 3,702 |
| Efficiency ratio | 68.2922% | 3,949 |
| Assets per employee ($millions) | 4.1078% | 3,627 |
| Cash dividends to net income (ytd only)* | 15.0830% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 6,211 |
| Loan loss allowance to noncurrent loans | 99.6158% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 2,733 |
| Noncurrent loans to loans | 0.6778% | 4,019 |
| Net loans and leases to total assets | 72.4657% | 1,655 |
| Net loans and leases to deposits | 87.9182% | 1,606 |
| Net loans and leases to core deposits | 88.4793% | 2,264 |
| Total domestic deposits to total assets | 82.4240% | 4,496 |
| Equity capital to assets | 11.2717% | 2,639 |
| Core capital (leverage) ratio | 10.7068% | 2,717 |
| Tier 1 risk-based capital ratio | 16.6736% | 2,754 |
| Total risk-based capital ratio | 17.4459% | 2,935 |
| Memoranda: | ||
| Average total assets | $843,354,330 | 800 |
| Average earning assets | $784,569,670 | 785 |
| Average equity | $92,539,330 | 791 |
| Average total loans | $614,834,670 | 701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 4,095 |
| Cost of funding earning assets | 0.4908% | 3,004 |
| Net interest margin | 3.4061% | 4,088 |
| Noninterest income to average assets | 0.3337% | 4,705 |
| Noninterest expense to average assets | 2.4711% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7527% | 3,403 |
| Return on assets (ROA) | 0.7531% | 3,485 |
| Pretax return on assets | 1.0303% | 3,207 |
| Return on Equity (ROE) | 6.9579% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.7685% | 3,255 |
| Net charge-offs to loans | 1.6343% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8647% | 3,248 |
| Efficiency ratio | 70.2450% | 3,793 |
| Assets per employee ($millions) | 4.1595% | 3,611 |
| Cash dividends to net income (ytd only)* | 31.4663% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 6,317 |
| Loan loss allowance to noncurrent loans | 126.2667% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 3,057 |
| Noncurrent loans to loans | 0.5282% | 4,589 |
| Net loans and leases to total assets | 71.2961% | 1,681 |
| Net loans and leases to deposits | 86.4352% | 1,541 |
| Net loans and leases to core deposits | 87.0443% | 2,189 |
| Total domestic deposits to total assets | 82.4850% | 4,793 |
| Equity capital to assets | 10.8839% | 2,846 |
| Core capital (leverage) ratio | 10.3938% | 3,052 |
| Tier 1 risk-based capital ratio | 16.1819% | 3,062 |
| Total risk-based capital ratio | 16.9311% | 3,310 |
| Memoranda: | ||
| Average total assets | $843,986,500 | 807 |
| Average earning assets | $784,817,000 | 791 |
| Average equity | $91,350,000 | 802 |
| Average total loans | $615,065,000 | 702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 3,476 |
| Cost of funding earning assets | 0.5550% | 3,070 |
| Net interest margin | 3.6101% | 3,424 |
| Noninterest income to average assets | 0.7172% | 2,451 |
| Noninterest expense to average assets | 2.6268% | 4,367 |
| Loan and lease loss provision to assets | 0.1096% | 2,973 |
| Net operating income to assets | 1.0371% | 2,174 |
| Return on assets (ROA) | 1.0375% | 2,239 |
| Pretax return on assets | 1.3294% | 2,043 |
| Return on Equity (ROE) | 9.5210% | 2,322 |
| Retained earnings to average equity (ytd only) | 0.1691% | 5,773 |
| Net charge-offs to loans | 0.2084% | 2,789 |
| Credit loss provision to net charge-offs | 70.7420% | 3,290 |
| Earnings coverage of net charge-offs (x) | 9.2833% | 2,526 |
| Efficiency ratio | 64.4544% | 4,828 |
| Assets per employee ($millions) | 4.1351% | 3,558 |
| Cash dividends to net income (ytd only)* | 98.2244% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,311 |
| Loan loss allowance to noncurrent loans | 78.9126% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 2,229 |
| Noncurrent loans to loans | 1.3415% | 2,896 |
| Net loans and leases to total assets | 73.2062% | 1,489 |
| Net loans and leases to deposits | 88.6275% | 1,394 |
| Net loans and leases to core deposits | 89.2934% | 2,110 |
| Total domestic deposits to total assets | 82.5999% | 4,682 |
| Equity capital to assets | 10.7627% | 2,863 |
| Core capital (leverage) ratio | 10.3499% | 3,092 |
| Tier 1 risk-based capital ratio | 16.2275% | 2,996 |
| Total risk-based capital ratio | 17.4602% | 2,956 |
| Memoranda: | ||
| Average total assets | $765,380,600 | 874 |
| Average earning assets | $709,848,400 | 853 |
| Average equity | $83,405,400 | 853 |
| Average total loans | $568,969,400 | 739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 3,467 |
| Cost of funding earning assets | 0.5682% | 3,098 |
| Net interest margin | 3.6100% | 3,402 |
| Noninterest income to average assets | 0.8653% | 1,874 |
| Noninterest expense to average assets | 2.7076% | 3,994 |
| Loan and lease loss provision to assets | 0.1498% | 2,395 |
| Net operating income to assets | 1.1057% | 1,983 |
| Return on assets (ROA) | 1.1057% | 2,058 |
| Pretax return on assets | 1.3528% | 2,109 |
| Return on Equity (ROE) | 10.1120% | 2,136 |
| Retained earnings to average equity (ytd only) | -1.8056% | 6,244 |
| Net charge-offs to loans | 0.2566% | 2,274 |
| Credit loss provision to net charge-offs | 78.4112% | 2,884 |
| Earnings coverage of net charge-offs (x) | 7.8664% | 2,715 |
| Efficiency ratio | 64.2045% | 4,767 |
| Assets per employee ($millions) | 4.0635% | 3,714 |
| Cash dividends to net income (ytd only)* | 117.8560% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,473 |
| Loan loss allowance to noncurrent loans | 97.2388% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.5132% | 2,666 |
| Noncurrent loans to loans | 1.0927% | 3,606 |
| Net loans and leases to total assets | 74.4282% | 1,225 |
| Net loans and leases to deposits | 90.2990% | 1,131 |
| Net loans and leases to core deposits | 91.0134% | 1,867 |
| Total domestic deposits to total assets | 82.4241% | 4,787 |
| Equity capital to assets | 10.5655% | 3,202 |
| Core capital (leverage) ratio | 10.2087% | 3,390 |
| Tier 1 risk-based capital ratio | 16.2461% | 3,063 |
| Total risk-based capital ratio | 17.4965% | 3,026 |
| Memoranda: | ||
| Average total assets | $746,867,250 | 900 |
| Average earning assets | $692,032,500 | 879 |
| Average equity | $81,670,250 | 877 |
| Average total loans | $555,938,500 | 752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 3,586 |
| Cost of funding earning assets | 0.5815% | 3,112 |
| Net interest margin | 3.5580% | 3,526 |
| Noninterest income to average assets | 0.8122% | 2,135 |
| Noninterest expense to average assets | 2.4428% | 4,920 |
| Loan and lease loss provision to assets | 0.2341% | 1,590 |
| Net operating income to assets | 1.1136% | 1,882 |
| Return on assets (ROA) | 1.1136% | 2,000 |
| Pretax return on assets | 1.4249% | 1,853 |
| Return on Equity (ROE) | 10.0512% | 2,181 |
| Retained earnings to average equity (ytd only) | 8.0364% | 1,471 |
| Net charge-offs to loans | 0.3181% | 1,914 |
| Credit loss provision to net charge-offs | 99.2899% | 2,261 |
| Earnings coverage of net charge-offs (x) | 7.0367% | 2,609 |
| Efficiency ratio | 59.5538% | 5,536 |
| Assets per employee ($millions) | 4.3234% | 3,133 |
| Cash dividends to net income (ytd only)* | 20.0451% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,505 |
| Loan loss allowance to noncurrent loans | 117.1409% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 2,586 |
| Noncurrent loans to loans | 1.1109% | 3,709 |
| Net loans and leases to total assets | 73.0892% | 1,389 |
| Net loans and leases to deposits | 90.5186% | 1,095 |
| Net loans and leases to core deposits | 91.3444% | 1,777 |
| Total domestic deposits to total assets | 80.7450% | 5,410 |
| Equity capital to assets | 11.0998% | 2,661 |
| Core capital (leverage) ratio | 10.7402% | 2,627 |
| Tier 1 risk-based capital ratio | 17.5145% | 2,509 |
| Total risk-based capital ratio | 18.7685% | 2,478 |
| Memoranda: | ||
| Average total assets | $716,797,330 | 931 |
| Average earning assets | $662,734,670 | 915 |
| Average equity | $79,413,330 | 915 |
| Average total loans | $531,347,330 | 784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,399 |
| Cost of funding earning assets | 0.5953% | 3,151 |
| Net interest margin | 3.5809% | 3,340 |
| Noninterest income to average assets | 0.6662% | 2,781 |
| Noninterest expense to average assets | 2.3988% | 5,126 |
| Loan and lease loss provision to assets | 0.2451% | 1,467 |
| Net operating income to assets | 0.9610% | 2,397 |
| Return on assets (ROA) | 0.9610% | 2,527 |
| Pretax return on assets | 1.3306% | 2,122 |
| Return on Equity (ROE) | 8.6821% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.6642% | 2,336 |
| Net charge-offs to loans | 0.5263% | 1,144 |
| Credit loss provision to net charge-offs | 62.8040% | 2,396 |
| Earnings coverage of net charge-offs (x) | 4.0372% | 2,627 |
| Efficiency ratio | 60.3540% | 5,538 |
| Assets per employee ($millions) | 4.3550% | 3,236 |
| Cash dividends to net income (ytd only)* | 23.2423% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,887 |
| Loan loss allowance to noncurrent loans | 87.9240% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 2,286 |
| Noncurrent loans to loans | 1.4344% | 3,416 |
| Net loans and leases to total assets | 72.5833% | 1,270 |
| Net loans and leases to deposits | 90.1978% | 950 |
| Net loans and leases to core deposits | 90.9067% | 1,619 |
| Total domestic deposits to total assets | 80.4712% | 5,641 |
| Equity capital to assets | 11.0742% | 2,875 |
| Core capital (leverage) ratio | 10.5023% | 2,771 |
| Tier 1 risk-based capital ratio | 16.6515% | 2,926 |
| Total risk-based capital ratio | 17.9043% | 2,891 |
| Memoranda: | ||
| Average total assets | $716,355,000 | 943 |
| Average earning assets | $661,851,500 | 919 |
| Average equity | $79,289,500 | 929 |
| Average total loans | $531,289,000 | 788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 2,894 |
| Cost of funding earning assets | 0.7757% | 2,865 |
| Net interest margin | 3.8506% | 3,024 |
| Noninterest income to average assets | 0.4775% | 4,050 |
| Noninterest expense to average assets | 2.5253% | 5,007 |
| Loan and lease loss provision to assets | 0.3446% | 1,945 |
| Net operating income to assets | 0.8484% | 3,054 |
| Return on assets (ROA) | 0.8576% | 3,254 |
| Pretax return on assets | 1.1491% | 2,990 |
| Return on Equity (ROE) | 7.7990% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.7095% | 2,246 |
| Net charge-offs to loans | 0.3941% | 2,679 |
| Credit loss provision to net charge-offs | 117.3594% | 2,454 |
| Earnings coverage of net charge-offs (x) | 5.0450% | 3,165 |
| Efficiency ratio | 63.0255% | 5,075 |
| Assets per employee ($millions) | 4.2762% | 3,407 |
| Cash dividends to net income (ytd only)* | 26.7917% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,654 |
| Loan loss allowance to noncurrent loans | 83.5284% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 2,250 |
| Noncurrent loans to loans | 1.5509% | 3,294 |
| Net loans and leases to total assets | 73.8556% | 1,216 |
| Net loans and leases to deposits | 92.9211% | 834 |
| Net loans and leases to core deposits | 93.6228% | 1,498 |
| Total domestic deposits to total assets | 79.4821% | 5,788 |
| Equity capital to assets | 11.0627% | 2,880 |
| Core capital (leverage) ratio | 10.4571% | 2,821 |
| Tier 1 risk-based capital ratio | 16.6386% | 2,819 |
| Total risk-based capital ratio | 17.8924% | 2,793 |
| Memoranda: | ||
| Average total assets | $696,391,600 | 944 |
| Average earning assets | $638,286,800 | 943 |
| Average equity | $76,573,600 | 924 |
| Average total loans | $518,939,000 | 798 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 2,937 |
| Cost of funding earning assets | 0.8221% | 2,756 |
| Net interest margin | 3.8452% | 3,138 |
| Noninterest income to average assets | 0.4551% | 4,246 |
| Noninterest expense to average assets | 2.5500% | 4,919 |
| Loan and lease loss provision to assets | 0.3372% | 1,938 |
| Net operating income to assets | 0.8199% | 3,345 |
| Return on assets (ROA) | 0.8199% | 3,593 |
| Pretax return on assets | 1.0873% | 3,398 |
| Return on Equity (ROE) | 7.4680% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.3619% | 3,118 |
| Net charge-offs to loans | 0.3999% | 2,496 |
| Credit loss provision to net charge-offs | 113.2686% | 2,577 |
| Earnings coverage of net charge-offs (x) | 4.7851% | 3,207 |
| Efficiency ratio | 64.1586% | 4,784 |
| Assets per employee ($millions) | 4.1965% | 3,479 |
| Cash dividends to net income (ytd only)* | 28.2021% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,048 |
| Loan loss allowance to noncurrent loans | 65.1154% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.5712% | 2,053 |
| Noncurrent loans to loans | 1.9202% | 2,937 |
| Net loans and leases to total assets | 76.3173% | 919 |
| Net loans and leases to deposits | 98.8981% | 501 |
| Net loans and leases to core deposits | 99.3654% | 1,167 |
| Total domestic deposits to total assets | 77.1676% | 6,207 |
| Equity capital to assets | 11.1480% | 3,096 |
| Core capital (leverage) ratio | 10.4718% | 2,953 |
| Tier 1 risk-based capital ratio | 16.3675% | 3,084 |
| Total risk-based capital ratio | 17.6211% | 3,041 |
| Memoranda: | ||
| Average total assets | $691,956,750 | 959 |
| Average earning assets | $633,329,750 | 958 |
| Average equity | $75,966,500 | 929 |
| Average total loans | $515,086,750 | 813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 3,022 |
| Cost of funding earning assets | 0.8762% | 2,597 |
| Net interest margin | 3.7991% | 3,370 |
| Noninterest income to average assets | 0.4287% | 4,440 |
| Noninterest expense to average assets | 2.6212% | 4,706 |
| Loan and lease loss provision to assets | 0.2903% | 2,259 |
| Net operating income to assets | 0.7533% | 3,586 |
| Return on assets (ROA) | 0.7533% | 3,866 |
| Pretax return on assets | 0.9887% | 3,748 |
| Return on Equity (ROE) | 6.8973% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.7710% | 3,431 |
| Net charge-offs to loans | 0.5547% | 1,926 |
| Credit loss provision to net charge-offs | 71.2251% | 3,533 |
| Earnings coverage of net charge-offs (x) | 3.1382% | 3,488 |
| Efficiency ratio | 67.2075% | 4,290 |
| Assets per employee ($millions) | 4.0292% | 3,814 |
| Cash dividends to net income (ytd only)* | 30.8285% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 5,417 |
| Loan loss allowance to noncurrent loans | 49.0450% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.7854% | 1,978 |
| Noncurrent loans to loans | 2.4168% | 2,487 |
| Net loans and leases to total assets | 74.5706% | 1,161 |
| Net loans and leases to deposits | 92.5110% | 885 |
| Net loans and leases to core deposits | 92.9354% | 1,689 |
| Total domestic deposits to total assets | 80.6072% | 5,588 |
| Equity capital to assets | 11.0907% | 3,025 |
| Core capital (leverage) ratio | 10.4536% | 2,855 |
| Tier 1 risk-based capital ratio | 16.1280% | 3,108 |
| Total risk-based capital ratio | 17.3664% | 3,080 |
| Memoranda: | ||
| Average total assets | $689,006,330 | 959 |
| Average earning assets | $629,562,670 | 961 |
| Average equity | $75,246,670 | 931 |
| Average total loans | $506,245,670 | 822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 3,222 |
| Cost of funding earning assets | 0.9401% | 2,377 |
| Net interest margin | 3.7179% | 3,750 |
| Noninterest income to average assets | 0.5974% | 3,247 |
| Noninterest expense to average assets | 2.7378% | 4,290 |
| Loan and lease loss provision to assets | 0.2903% | 2,145 |
| Net operating income to assets | 0.7384% | 3,693 |
| Return on assets (ROA) | 0.7384% | 3,926 |
| Pretax return on assets | 0.9602% | 3,832 |
| Return on Equity (ROE) | 6.8146% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.6717% | 3,763 |
| Net charge-offs to loans | 0.0689% | 3,798 |
| Credit loss provision to net charge-offs | 581.3953% | 586 |
| Earnings coverage of net charge-offs (x) | 25.0465% | 1,039 |
| Efficiency ratio | 68.6463% | 4,044 |
| Assets per employee ($millions) | 3.9524% | 4,110 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,613 |
| Loan loss allowance to noncurrent loans | 50.2628% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 1,657 |
| Noncurrent loans to loans | 2.7870% | 2,327 |
| Net loans and leases to total assets | 70.6377% | 1,642 |
| Net loans and leases to deposits | 86.5919% | 1,342 |
| Net loans and leases to core deposits | 87.1854% | 2,150 |
| Total domestic deposits to total assets | 81.5754% | 5,437 |
| Equity capital to assets | 10.7977% | 3,152 |
| Core capital (leverage) ratio | 10.2058% | 3,097 |
| Tier 1 risk-based capital ratio | 16.1600% | 3,093 |
| Total risk-based capital ratio | 17.4144% | 3,055 |
| Memoranda: | ||
| Average total assets | $689,015,000 | 959 |
| Average earning assets | $628,427,500 | 958 |
| Average equity | $74,663,000 | 928 |
| Average total loans | $499,395,500 | 831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 2,867 |
| Cost of funding earning assets | 1.1805% | 2,160 |
| Net interest margin | 3.8221% | 3,708 |
| Noninterest income to average assets | 0.3684% | 4,875 |
| Noninterest expense to average assets | 2.5990% | 5,100 |
| Loan and lease loss provision to assets | 0.5407% | 1,942 |
| Net operating income to assets | 0.5579% | 4,195 |
| Return on assets (ROA) | 0.6438% | 3,960 |
| Pretax return on assets | 0.8286% | 3,873 |
| Return on Equity (ROE) | 6.0977% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.5867% | 2,912 |
| Net charge-offs to loans | 0.7675% | 2,238 |
| Credit loss provision to net charge-offs | 96.0330% | 3,754 |
| Earnings coverage of net charge-offs (x) | 2.2362% | 4,108 |
| Efficiency ratio | 67.3647% | 4,499 |
| Assets per employee ($millions) | 4.0619% | 3,728 |
| Cash dividends to net income (ytd only)* | 24.7804% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,581 |
| Loan loss allowance to noncurrent loans | 56.6169% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.2195% | 1,856 |
| Noncurrent loans to loans | 2.0460% | 3,145 |
| Net loans and leases to total assets | 72.4848% | 1,560 |
| Net loans and leases to deposits | 89.0636% | 1,261 |
| Net loans and leases to core deposits | 89.6876% | 2,168 |
| Total domestic deposits to total assets | 81.3854% | 5,330 |
| Equity capital to assets | 10.8754% | 3,114 |
| Core capital (leverage) ratio | 10.2141% | 3,077 |
| Tier 1 risk-based capital ratio | 17.3114% | 2,460 |
| Total risk-based capital ratio | 18.5640% | 2,433 |
| Memoranda: | ||
| Average total assets | $689,460,800 | 945 |
| Average earning assets | $629,503,000 | 940 |
| Average equity | $72,797,800 | 929 |
| Average total loans | $505,778,600 | 824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,936 |
| Cost of funding earning assets | 1.2414% | 2,053 |
| Net interest margin | 3.7891% | 3,930 |
| Noninterest income to average assets | 0.3487% | 5,065 |
| Noninterest expense to average assets | 2.6152% | 5,022 |
| Loan and lease loss provision to assets | 0.5551% | 1,771 |
| Net operating income to assets | 0.5086% | 4,514 |
| Return on assets (ROA) | 0.5411% | 4,542 |
| Pretax return on assets | 0.6797% | 4,553 |
| Return on Equity (ROE) | 5.1625% | 4,469 |
| Retained earnings to average equity (ytd only) | 3.8742% | 3,967 |
| Net charge-offs to loans | 0.8313% | 1,913 |
| Credit loss provision to net charge-offs | 91.0183% | 3,739 |
| Earnings coverage of net charge-offs (x) | 1.9583% | 4,187 |
| Efficiency ratio | 68.6481% | 4,186 |
| Assets per employee ($millions) | 4.0430% | 3,750 |
| Cash dividends to net income (ytd only)* | 24.9554% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,860 |
| Loan loss allowance to noncurrent loans | 42.9829% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 3.1767% | 2,014 |
| Noncurrent loans to loans | 2.5775% | 2,688 |
| Net loans and leases to total assets | 72.7296% | 1,562 |
| Net loans and leases to deposits | 91.2241% | 1,082 |
| Net loans and leases to core deposits | 91.8593% | 2,012 |
| Total domestic deposits to total assets | 79.7263% | 5,823 |
| Equity capital to assets | 10.7328% | 3,437 |
| Core capital (leverage) ratio | 9.8748% | 3,610 |
| Tier 1 risk-based capital ratio | 16.5115% | 2,860 |
| Total risk-based capital ratio | 17.7630% | 2,823 |
| Memoranda: | ||
| Average total assets | $691,225,750 | 950 |
| Average earning assets | $631,339,250 | 947 |
| Average equity | $72,443,750 | 940 |
| Average total loans | $507,114,750 | 837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 2,984 |
| Cost of funding earning assets | 1.2614% | 2,176 |
| Net interest margin | 3.7759% | 3,908 |
| Noninterest income to average assets | 0.3699% | 4,910 |
| Noninterest expense to average assets | 2.6186% | 5,123 |
| Loan and lease loss provision to assets | 0.6813% | 1,405 |
| Net operating income to assets | 0.4244% | 4,838 |
| Return on assets (ROA) | 0.4743% | 4,761 |
| Pretax return on assets | 0.5772% | 4,819 |
| Return on Equity (ROE) | 4.5626% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.7260% | 3,841 |
| Net charge-offs to loans | 1.0920% | 1,446 |
| Credit loss provision to net charge-offs | 85.1141% | 3,614 |
| Earnings coverage of net charge-offs (x) | 1.4962% | 4,166 |
| Efficiency ratio | 68.6166% | 4,406 |
| Assets per employee ($millions) | 3.8665% | 4,060 |
| Cash dividends to net income (ytd only)* | 18.3374% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,968 |
| Loan loss allowance to noncurrent loans | 37.5797% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 3.4658% | 1,900 |
| Noncurrent loans to loans | 2.9202% | 2,501 |
| Net loans and leases to total assets | 72.1406% | 1,764 |
| Net loans and leases to deposits | 89.8587% | 1,290 |
| Net loans and leases to core deposits | 90.3919% | 2,319 |
| Total domestic deposits to total assets | 80.2823% | 5,745 |
| Equity capital to assets | 10.5200% | 3,479 |
| Core capital (leverage) ratio | 9.7829% | 3,544 |
| Tier 1 risk-based capital ratio | 16.3576% | 2,803 |
| Total risk-based capital ratio | 17.6089% | 2,769 |
| Memoranda: | ||
| Average total assets | $689,835,000 | 960 |
| Average earning assets | $629,624,670 | 953 |
| Average equity | $71,713,000 | 948 |
| Average total loans | $505,677,670 | 853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 3,113 |
| Cost of funding earning assets | 1.2870% | 2,259 |
| Net interest margin | 3.7109% | 4,040 |
| Noninterest income to average assets | 0.4135% | 4,597 |
| Noninterest expense to average assets | 2.7216% | 4,746 |
| Loan and lease loss provision to assets | 0.5227% | 1,665 |
| Net operating income to assets | 0.4635% | 4,648 |
| Return on assets (ROA) | 0.4635% | 4,729 |
| Pretax return on assets | 0.5587% | 4,834 |
| Return on Equity (ROE) | 4.4854% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.4854% | 3,484 |
| Net charge-offs to loans | 0.8512% | 1,551 |
| Credit loss provision to net charge-offs | 83.5655% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.7289% | 3,445 |
| Efficiency ratio | 71.5638% | 3,950 |
| Assets per employee ($millions) | 3.8699% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,918 |
| Loan loss allowance to noncurrent loans | 31.9908% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 3.7781% | 1,787 |
| Noncurrent loans to loans | 3.5427% | 2,102 |
| Net loans and leases to total assets | 72.8355% | 1,543 |
| Net loans and leases to deposits | 90.5968% | 1,175 |
| Net loans and leases to core deposits | 91.0633% | 2,234 |
| Total domestic deposits to total assets | 80.3953% | 5,842 |
| Equity capital to assets | 10.4714% | 3,209 |
| Core capital (leverage) ratio | 9.7902% | 3,399 |
| Tier 1 risk-based capital ratio | 16.1981% | 2,813 |
| Total risk-based capital ratio | 17.4498% | 2,775 |
| Memoranda: | ||
| Average total assets | $688,700,500 | 967 |
| Average earning assets | $629,063,500 | 962 |
| Average equity | $71,165,000 | 946 |
| Average total loans | $506,102,500 | 869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 3,818 |
| Cost of funding earning assets | 1.5625% | 2,289 |
| Net interest margin | 3.5943% | 4,846 |
| Noninterest income to average assets | 0.4761% | 4,342 |
| Noninterest expense to average assets | 2.4986% | 5,806 |
| Loan and lease loss provision to assets | 0.5977% | 2,749 |
| Net operating income to assets | 0.5254% | 3,982 |
| Return on assets (ROA) | 0.5254% | 4,136 |
| Pretax return on assets | 0.7006% | 3,976 |
| Return on Equity (ROE) | 5.3540% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.0562% | 3,711 |
| Net charge-offs to loans | 0.5756% | 3,322 |
| Credit loss provision to net charge-offs | 140.3840% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.0493% | 3,551 |
| Efficiency ratio | 65.8068% | 5,007 |
| Assets per employee ($millions) | 3.9343% | 3,932 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,681 |
| Loan loss allowance to noncurrent loans | 35.1266% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 3.5046% | 1,977 |
| Noncurrent loans to loans | 3.3068% | 2,293 |
| Net loans and leases to total assets | 72.4532% | 1,995 |
| Net loans and leases to deposits | 90.5917% | 1,452 |
| Net loans and leases to core deposits | 91.1459% | 2,600 |
| Total domestic deposits to total assets | 79.9777% | 5,839 |
| Equity capital to assets | 10.1966% | 3,509 |
| Core capital (leverage) ratio | 9.5563% | 3,634 |
| Tier 1 risk-based capital ratio | 16.2160% | 2,652 |
| Total risk-based capital ratio | 17.4685% | 2,607 |
| Memoranda: | ||
| Average total assets | $709,564,400 | 941 |
| Average earning assets | $655,561,800 | 932 |
| Average equity | $69,630,000 | 964 |
| Average total loans | $524,842,000 | 855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 3,916 |
| Cost of funding earning assets | 1.6119% | 2,325 |
| Net interest margin | 3.5727% | 5,001 |
| Noninterest income to average assets | 0.4135% | 4,848 |
| Noninterest expense to average assets | 2.4634% | 5,841 |
| Loan and lease loss provision to assets | 0.5120% | 2,897 |
| Net operating income to assets | 0.5558% | 4,073 |
| Return on assets (ROA) | 0.5558% | 4,239 |
| Pretax return on assets | 0.7471% | 4,093 |
| Return on Equity (ROE) | 5.7185% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.6441% | 4,567 |
| Net charge-offs to loans | 0.4833% | 3,343 |
| Credit loss provision to net charge-offs | 142.9093% | 2,750 |
| Earnings coverage of net charge-offs (x) | 3.5146% | 3,414 |
| Efficiency ratio | 66.1766% | 4,823 |
| Assets per employee ($millions) | 4.1349% | 3,588 |
| Cash dividends to net income (ytd only)* | 53.7635% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,189 |
| Loan loss allowance to noncurrent loans | 28.0447% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 3.0956% | 2,338 |
| Noncurrent loans to loans | 3.7279% | 2,085 |
| Net loans and leases to total assets | 74.0431% | 1,796 |
| Net loans and leases to deposits | 93.5916% | 1,248 |
| Net loans and leases to core deposits | 94.2190% | 2,495 |
| Total domestic deposits to total assets | 79.1130% | 5,995 |
| Equity capital to assets | 10.1063% | 4,009 |
| Core capital (leverage) ratio | 9.3248% | 4,173 |
| Tier 1 risk-based capital ratio | 15.5774% | 2,954 |
| Total risk-based capital ratio | 16.8282% | 2,917 |
| Memoranda: | ||
| Average total assets | $713,848,250 | 937 |
| Average earning assets | $661,146,250 | 928 |
| Average equity | $69,386,500 | 963 |
| Average total loans | $529,156,750 | 855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 3,947 |
| Cost of funding earning assets | 1.6525% | 2,371 |
| Net interest margin | 3.5495% | 5,050 |
| Noninterest income to average assets | 0.3680% | 5,195 |
| Noninterest expense to average assets | 2.5308% | 5,605 |
| Loan and lease loss provision to assets | 0.4351% | 3,138 |
| Net operating income to assets | 0.5241% | 4,225 |
| Return on assets (ROA) | 0.5241% | 4,380 |
| Pretax return on assets | 0.6927% | 4,265 |
| Return on Equity (ROE) | 5.4623% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,875 |
| Net charge-offs to loans | 0.3670% | 3,523 |
| Credit loss provision to net charge-offs | 160.4317% | 2,453 |
| Earnings coverage of net charge-offs (x) | 4.1583% | 3,038 |
| Efficiency ratio | 69.1733% | 4,338 |
| Assets per employee ($millions) | 4.0743% | 3,620 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,389 |
| Loan loss allowance to noncurrent loans | 36.2734% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.2131% | 3,246 |
| Noncurrent loans to loans | 2.7616% | 2,894 |
| Net loans and leases to total assets | 72.1373% | 2,363 |
| Net loans and leases to deposits | 92.2942% | 1,481 |
| Net loans and leases to core deposits | 92.8154% | 2,869 |
| Total domestic deposits to total assets | 78.1602% | 6,233 |
| Equity capital to assets | 9.6425% | 4,481 |
| Core capital (leverage) ratio | 8.9701% | 4,654 |
| Tier 1 risk-based capital ratio | 15.2961% | 3,012 |
| Total risk-based capital ratio | 16.5461% | 2,972 |
| Memoranda: | ||
| Average total assets | $717,486,000 | 937 |
| Average earning assets | $665,164,000 | 933 |
| Average equity | $68,835,000 | 967 |
| Average total loans | $530,217,670 | 864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 3,746 |
| Cost of funding earning assets | 1.7190% | 2,294 |
| Net interest margin | 3.5381% | 5,001 |
| Noninterest income to average assets | 0.4365% | 4,589 |
| Noninterest expense to average assets | 2.5968% | 5,370 |
| Loan and lease loss provision to assets | 0.5371% | 2,355 |
| Net operating income to assets | 0.4555% | 4,594 |
| Return on assets (ROA) | 0.4555% | 4,718 |
| Pretax return on assets | 0.5835% | 4,678 |
| Return on Equity (ROE) | 4.7602% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.0876% | 5,789 |
| Net charge-offs to loans | 0.6609% | 2,171 |
| Credit loss provision to net charge-offs | 109.2045% | 3,151 |
| Earnings coverage of net charge-offs (x) | 2.2784% | 3,399 |
| Efficiency ratio | 69.8542% | 4,333 |
| Assets per employee ($millions) | 4.0494% | 3,758 |
| Cash dividends to net income (ytd only)* | 98.1595% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 6,843 |
| Loan loss allowance to noncurrent loans | 36.7733% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 3,543 |
| Noncurrent loans to loans | 2.4419% | 3,235 |
| Net loans and leases to total assets | 73.2470% | 2,144 |
| Net loans and leases to deposits | 94.1303% | 1,332 |
| Net loans and leases to core deposits | 94.4934% | 2,768 |
| Total domestic deposits to total assets | 77.8144% | 6,365 |
| Equity capital to assets | 9.5711% | 4,422 |
| Core capital (leverage) ratio | 8.9232% | 4,691 |
| Tier 1 risk-based capital ratio | 15.1048% | 3,064 |
| Total risk-based capital ratio | 16.2371% | 3,081 |
| Memoranda: | ||
| Average total assets | $715,653,500 | 963 |
| Average earning assets | $663,633,500 | 952 |
| Average equity | $68,484,000 | 975 |
| Average total loans | $532,585,000 | 882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 4,398 |
| Cost of funding earning assets | 2.0839% | 2,548 |
| Net interest margin | 3.3744% | 5,472 |
| Noninterest income to average assets | 0.4867% | 4,513 |
| Noninterest expense to average assets | 2.4513% | 6,300 |
| Loan and lease loss provision to assets | 0.4057% | 4,381 |
| Net operating income to assets | 0.5810% | 3,401 |
| Return on assets (ROA) | 0.6742% | 3,089 |
| Pretax return on assets | 0.9077% | 2,900 |
| Return on Equity (ROE) | 7.3266% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.5647% | 2,684 |
| Net charge-offs to loans | 0.2907% | 4,819 |
| Credit loss provision to net charge-offs | 185.6781% | 2,193 |
| Earnings coverage of net charge-offs (x) | 5.4341% | 2,602 |
| Efficiency ratio | 67.3669% | 5,118 |
| Assets per employee ($millions) | 4.0371% | 3,741 |
| Cash dividends to net income (ytd only)* | 51.3452% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,908 |
| Loan loss allowance to noncurrent loans | 60.3900% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 4,561 |
| Noncurrent loans to loans | 1.4461% | 4,501 |
| Net loans and leases to total assets | 74.2753% | 2,207 |
| Net loans and leases to deposits | 95.2816% | 1,418 |
| Net loans and leases to core deposits | 106.1099% | 3,318 |
| Total domestic deposits to total assets | 77.9535% | 6,229 |
| Equity capital to assets | 9.5678% | 4,326 |
| Core capital (leverage) ratio | 8.9413% | 4,521 |
| Tier 1 risk-based capital ratio | 15.1658% | 2,860 |
| Total risk-based capital ratio | 16.2839% | 2,873 |
| Memoranda: | ||
| Average total assets | $722,146,800 | 943 |
| Average earning assets | $674,545,000 | 917 |
| Average equity | $66,456,600 | 993 |
| Average total loans | $542,903,000 | 884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 4,518 |
| Cost of funding earning assets | 2.1438% | 2,687 |
| Net interest margin | 3.3365% | 5,501 |
| Noninterest income to average assets | 0.4976% | 4,503 |
| Noninterest expense to average assets | 2.4519% | 6,242 |
| Loan and lease loss provision to assets | 0.3508% | 4,218 |
| Net operating income to assets | 0.6040% | 3,592 |
| Return on assets (ROA) | 0.6659% | 3,392 |
| Pretax return on assets | 0.8997% | 3,227 |
| Return on Equity (ROE) | 7.3072% | 2,947 |
| Retained earnings to average equity (ytd only) | 2.2552% | 4,067 |
| Net charge-offs to loans | 0.2293% | 4,624 |
| Credit loss provision to net charge-offs | 203.3084% | 2,190 |
| Earnings coverage of net charge-offs (x) | 6.7631% | 2,545 |
| Efficiency ratio | 67.7539% | 5,031 |
| Assets per employee ($millions) | 4.1416% | 3,481 |
| Cash dividends to net income (ytd only)* | 69.1372% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 7,122 |
| Loan loss allowance to noncurrent loans | 139.8046% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 6,027 |
| Noncurrent loans to loans | 0.5719% | 6,175 |
| Net loans and leases to total assets | 74.7611% | 2,301 |
| Net loans and leases to deposits | 99.3356% | 1,175 |
| Net loans and leases to core deposits | 110.1296% | 3,220 |
| Total domestic deposits to total assets | 75.2611% | 6,727 |
| Equity capital to assets | 9.4942% | 4,751 |
| Core capital (leverage) ratio | 8.7971% | 4,983 |
| Tier 1 risk-based capital ratio | 14.9706% | 3,051 |
| Total risk-based capital ratio | 16.0049% | 3,107 |
| Memoranda: | ||
| Average total assets | $724,042,000 | 952 |
| Average earning assets | $677,343,750 | 927 |
| Average equity | $65,978,750 | 1,015 |
| Average total loans | $544,773,250 | 894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 4,754 |
| Cost of funding earning assets | 2.1973% | 2,806 |
| Net interest margin | 3.2769% | 5,635 |
| Noninterest income to average assets | 0.5286% | 4,200 |
| Noninterest expense to average assets | 2.4714% | 6,219 |
| Loan and lease loss provision to assets | 0.3448% | 3,862 |
| Net operating income to assets | 0.5729% | 3,801 |
| Return on assets (ROA) | 0.6652% | 3,519 |
| Pretax return on assets | 0.9042% | 3,320 |
| Return on Equity (ROE) | 7.4005% | 3,029 |
| Retained earnings to average equity (ytd only) | -0.2415% | 5,285 |
| Net charge-offs to loans | 0.1640% | 4,567 |
| Credit loss provision to net charge-offs | 279.5100% | 1,672 |
| Earnings coverage of net charge-offs (x) | 9.1136% | 2,174 |
| Efficiency ratio | 68.7323% | 5,025 |
| Assets per employee ($millions) | 4.1909% | 3,314 |
| Cash dividends to net income (ytd only)* | 103.2631% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 7,289 |
| Loan loss allowance to noncurrent loans | 187.8126% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 6,294 |
| Noncurrent loans to loans | 0.4022% | 6,500 |
| Net loans and leases to total assets | 74.8491% | 2,482 |
| Net loans and leases to deposits | 101.5675% | 1,109 |
| Net loans and leases to core deposits | 112.7600% | 3,048 |
| Total domestic deposits to total assets | 73.6940% | 6,998 |
| Equity capital to assets | 8.9967% | 5,324 |
| Core capital (leverage) ratio | 8.4511% | 5,522 |
| Tier 1 risk-based capital ratio | 14.4907% | 3,248 |
| Total risk-based capital ratio | 15.4733% | 3,325 |
| Memoranda: | ||
| Average total assets | $727,940,000 | 960 |
| Average earning assets | $681,305,670 | 938 |
| Average equity | $65,427,670 | 1,034 |
| Average total loans | $547,414,000 | 913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4784% | 5,025 |
| Cost of funding earning assets | 2.2351% | 2,983 |
| Net interest margin | 3.2432% | 5,716 |
| Noninterest income to average assets | 0.3438% | 5,702 |
| Noninterest expense to average assets | 2.3762% | 6,273 |
| Loan and lease loss provision to assets | 0.3647% | 3,134 |
| Net operating income to assets | 0.4738% | 4,548 |
| Return on assets (ROA) | 0.6109% | 4,165 |
| Pretax return on assets | 0.8264% | 3,986 |
| Return on Equity (ROE) | 6.8003% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.8003% | 2,288 |
| Net charge-offs to loans | 0.2950% | 2,931 |
| Credit loss provision to net charge-offs | 164.6040% | 2,595 |
| Earnings coverage of net charge-offs (x) | 4.5396% | 2,864 |
| Efficiency ratio | 70.2611% | 4,516 |
| Assets per employee ($millions) | 4.0931% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 7,556 |
| Loan loss allowance to noncurrent loans | 159.7594% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 5,664 |
| Noncurrent loans to loans | 0.4109% | 6,394 |
| Net loans and leases to total assets | 74.8827% | 2,533 |
| Net loans and leases to deposits | 106.8253% | 807 |
| Net loans and leases to core deposits | 118.4747% | 2,552 |
| Total domestic deposits to total assets | 70.0983% | 7,416 |
| Equity capital to assets | 9.1662% | 5,126 |
| Core capital (leverage) ratio | 8.6198% | 5,303 |
| Tier 1 risk-based capital ratio | 14.7343% | 3,189 |
| Total risk-based capital ratio | 15.5853% | 3,328 |
| Memoranda: | ||
| Average total assets | $729,394,500 | 956 |
| Average earning assets | $683,269,000 | 934 |
| Average equity | $65,527,000 | 1,035 |
| Average total loans | $547,716,500 | 919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 6,384 |
| Cost of funding earning assets | 2.7109% | 3,108 |
| Net interest margin | 3.1017% | 6,648 |
| Noninterest income to average assets | 0.4649% | 4,920 |
| Noninterest expense to average assets | 2.2673% | 6,792 |
| Loan and lease loss provision to assets | 0.2085% | 4,811 |
| Net operating income to assets | 0.6517% | 4,097 |
| Return on assets (ROA) | 0.6792% | 3,823 |
| Pretax return on assets | 0.9279% | 3,632 |
| Return on Equity (ROE) | 7.7147% | 3,192 |
| Retained earnings to average equity (ytd only) | -1.2834% | 5,678 |
| Net charge-offs to loans | 0.1234% | 5,004 |
| Credit loss provision to net charge-offs | 223.5469% | 2,130 |
| Earnings coverage of net charge-offs (x) | 11.7809% | 2,332 |
| Efficiency ratio | 67.3590% | 4,843 |
| Assets per employee ($millions) | 4.0570% | 3,394 |
| Cash dividends to net income (ytd only)* | 116.6360% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 7,671 |
| Loan loss allowance to noncurrent loans | 80.2752% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 5,494 |
| Noncurrent loans to loans | 0.7540% | 5,146 |
| Net loans and leases to total assets | 74.3574% | 3,019 |
| Net loans and leases to deposits | 110.5434% | 799 |
| Net loans and leases to core deposits | 122.0883% | 2,498 |
| Total domestic deposits to total assets | 67.2653% | 7,542 |
| Equity capital to assets | 8.8037% | 5,646 |
| Core capital (leverage) ratio | 8.3369% | 5,877 |
| Tier 1 risk-based capital ratio | 14.3940% | 3,343 |
| Total risk-based capital ratio | 15.1794% | 3,502 |
| Memoranda: | ||
| Average total assets | $719,483,200 | 927 |
| Average earning assets | $672,949,800 | 904 |
| Average equity | $63,346,400 | 1,057 |
| Average total loans | $543,556,000 | 878 |