Home > Ameriana Bank > Performance and Condition Ratios
Ameriana Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,584 |
| Cost of funding earning assets | 0.5799% | 1,546 |
| Net interest margin | 3.6161% | 3,096 |
| Noninterest income to average assets | 1.2853% | 725 |
| Noninterest expense to average assets | 3.5919% | 1,132 |
| Loan and lease loss provision to assets | 0.0494% | 3,226 |
| Net operating income to assets | 0.5545% | 4,575 |
| Return on assets (ROA) | 0.5545% | 4,669 |
| Pretax return on assets | 0.7514% | 4,487 |
| Return on Equity (ROE) | 5.5870% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.6016% | 4,561 |
| Net charge-offs to loans | 0.1839% | 1,386 |
| Credit loss provision to net charge-offs | 38.8027% | 3,173 |
| Earnings coverage of net charge-offs (x) | 6.2927% | 3,069 |
| Efficiency ratio | 81.4993% | 1,464 |
| Assets per employee ($millions) | 3.3763% | 5,018 |
| Cash dividends to net income (ytd only)* | 53.4354% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,255 |
| Loan loss allowance to noncurrent loans | 111.4971% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3161% | 789 |
| Noncurrent loans to loans | 0.9819% | 2,530 |
| Net loans and leases to total assets | 70.8376% | 2,261 |
| Net loans and leases to deposits | 85.1386% | 2,262 |
| Net loans and leases to core deposits | 87.3010% | 2,725 |
| Total domestic deposits to total assets | 83.2027% | 3,733 |
| Equity capital to assets | 10.2428% | 3,881 |
| Core capital (leverage) ratio | 9.5029% | 4,298 |
| Tier 1 risk-based capital ratio | 13.4520% | 4,169 |
| Total risk-based capital ratio | 14.5465% | 4,183 |
| Memoranda: | ||
| Average total assets | $472,500,500 | 1,433 |
| Average earning assets | $406,025,000 | 1,523 |
| Average equity | $46,893,000 | 1,583 |
| Average total loans | $326,980,000 | 1,372 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,793 |
| Cost of funding earning assets | 0.5793% | 1,570 |
| Net interest margin | 3.5487% | 3,296 |
| Noninterest income to average assets | 1.2913% | 734 |
| Noninterest expense to average assets | 3.5232% | 1,262 |
| Loan and lease loss provision to assets | 0.0441% | 3,226 |
| Net operating income to assets | 0.5716% | 4,463 |
| Return on assets (ROA) | 0.5716% | 4,566 |
| Pretax return on assets | 0.7751% | 4,405 |
| Return on Equity (ROE) | 5.8205% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.8247% | 4,242 |
| Net charge-offs to loans | 0.0639% | 2,467 |
| Credit loss provision to net charge-offs | 100.9615% | 2,024 |
| Earnings coverage of net charge-offs (x) | 18.7404% | 1,791 |
| Efficiency ratio | 80.8634% | 1,642 |
| Assets per employee ($millions) | 3.2747% | 5,205 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,930 |
| Loan loss allowance to noncurrent loans | 85.9533% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3476% | 848 |
| Noncurrent loans to loans | 1.3695% | 1,977 |
| Net loans and leases to total assets | 68.5546% | 2,561 |
| Net loans and leases to deposits | 83.2443% | 2,408 |
| Net loans and leases to core deposits | 85.3091% | 2,849 |
| Total domestic deposits to total assets | 82.3536% | 4,169 |
| Equity capital to assets | 9.8084% | 4,265 |
| Core capital (leverage) ratio | 9.4136% | 4,400 |
| Tier 1 risk-based capital ratio | 13.4415% | 4,252 |
| Total risk-based capital ratio | 14.6223% | 4,229 |
| Memoranda: | ||
| Average total assets | $475,817,000 | 1,432 |
| Average earning assets | $409,107,330 | 1,521 |
| Average equity | $46,731,330 | 1,595 |
| Average total loans | $325,544,330 | 1,375 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 2,889 |
| Cost of funding earning assets | 0.5903% | 1,504 |
| Net interest margin | 3.4965% | 3,451 |
| Noninterest income to average assets | 1.3137% | 662 |
| Noninterest expense to average assets | 3.4617% | 1,388 |
| Loan and lease loss provision to assets | 0.0885% | 2,217 |
| Net operating income to assets | 0.5638% | 4,435 |
| Return on assets (ROA) | 0.5638% | 4,534 |
| Pretax return on assets | 0.7685% | 4,357 |
| Return on Equity (ROE) | 5.7363% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.7353% | 4,315 |
| Net charge-offs to loans | 0.0298% | 2,587 |
| Credit loss provision to net charge-offs | 437.5000% | 610 |
| Earnings coverage of net charge-offs (x) | 42.3750% | 943 |
| Efficiency ratio | 79.8829% | 1,912 |
| Assets per employee ($millions) | 3.3353% | 5,185 |
| Cash dividends to net income (ytd only)* | 52.3169% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 3,801 |
| Loan loss allowance to noncurrent loans | 87.1582% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3272% | 952 |
| Noncurrent loans to loans | 1.4081% | 2,039 |
| Net loans and leases to total assets | 66.7602% | 2,641 |
| Net loans and leases to deposits | 81.3095% | 2,406 |
| Net loans and leases to core deposits | 83.1650% | 2,852 |
| Total domestic deposits to total assets | 82.1063% | 4,480 |
| Equity capital to assets | 9.7556% | 4,424 |
| Core capital (leverage) ratio | 9.4088% | 4,415 |
| Tier 1 risk-based capital ratio | 13.6667% | 4,242 |
| Total risk-based capital ratio | 14.9047% | 4,152 |
| Memoranda: | ||
| Average total assets | $474,674,500 | 1,440 |
| Average earning assets | $407,952,500 | 1,532 |
| Average equity | $46,650,000 | 1,607 |
| Average total loans | $322,484,000 | 1,391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,796 |
| Cost of funding earning assets | 0.7013% | 1,101 |
| Net interest margin | 3.8177% | 2,560 |
| Noninterest income to average assets | 1.2042% | 828 |
| Noninterest expense to average assets | 3.5238% | 1,432 |
| Loan and lease loss provision to assets | 0.0690% | 3,104 |
| Net operating income to assets | 0.6416% | 4,185 |
| Return on assets (ROA) | 0.6416% | 4,285 |
| Pretax return on assets | 0.8968% | 3,919 |
| Return on Equity (ROE) | 6.6139% | 3,833 |
| Retained earnings to average equity (ytd only) | 3.9622% | 3,397 |
| Net charge-offs to loans | 0.1289% | 2,731 |
| Credit loss provision to net charge-offs | 78.3455% | 2,898 |
| Earnings coverage of net charge-offs (x) | 10.9611% | 2,563 |
| Efficiency ratio | 78.2065% | 2,182 |
| Assets per employee ($millions) | 3.2802% | 5,292 |
| Cash dividends to net income (ytd only)* | 40.0936% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 3,894 |
| Loan loss allowance to noncurrent loans | 88.8864% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.3515% | 999 |
| Noncurrent loans to loans | 1.3707% | 2,141 |
| Net loans and leases to total assets | 67.4624% | 2,651 |
| Net loans and leases to deposits | 82.7402% | 2,370 |
| Net loans and leases to core deposits | 84.8005% | 2,803 |
| Total domestic deposits to total assets | 81.5351% | 4,580 |
| Equity capital to assets | 9.9017% | 4,231 |
| Core capital (leverage) ratio | 9.4861% | 4,261 |
| Tier 1 risk-based capital ratio | 14.3817% | 3,847 |
| Total risk-based capital ratio | 15.6376% | 3,781 |
| Memoranda: | ||
| Average total assets | $466,461,000 | 1,430 |
| Average earning assets | $401,423,000 | 1,521 |
| Average equity | $45,253,000 | 1,590 |
| Average total loans | $318,921,600 | 1,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,406 |
| Cost of funding earning assets | 0.7104% | 1,106 |
| Net interest margin | 3.6443% | 3,246 |
| Noninterest income to average assets | 1.1930% | 846 |
| Noninterest expense to average assets | 3.3249% | 1,850 |
| Loan and lease loss provision to assets | 0.0922% | 2,513 |
| Net operating income to assets | 0.6540% | 4,196 |
| Return on assets (ROA) | 0.6540% | 4,293 |
| Pretax return on assets | 0.9137% | 3,933 |
| Return on Equity (ROE) | 6.7770% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.2560% | 3,625 |
| Net charge-offs to loans | 0.1256% | 2,539 |
| Credit loss provision to net charge-offs | 107.3333% | 2,073 |
| Earnings coverage of net charge-offs (x) | 11.7133% | 2,386 |
| Efficiency ratio | 76.4838% | 2,417 |
| Assets per employee ($millions) | 3.2020% | 5,428 |
| Cash dividends to net income (ytd only)* | 37.1993% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,049 |
| Loan loss allowance to noncurrent loans | 74.7625% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2883% | 1,191 |
| Noncurrent loans to loans | 1.6515% | 1,974 |
| Net loans and leases to total assets | 68.2153% | 2,495 |
| Net loans and leases to deposits | 84.6349% | 2,071 |
| Net loans and leases to core deposits | 86.8719% | 2,559 |
| Total domestic deposits to total assets | 80.5995% | 4,942 |
| Equity capital to assets | 9.7243% | 4,529 |
| Core capital (leverage) ratio | 9.4088% | 4,501 |
| Tier 1 risk-based capital ratio | 14.2487% | 4,051 |
| Total risk-based capital ratio | 15.5033% | 3,974 |
| Memoranda: | ||
| Average total assets | $465,809,000 | 1,448 |
| Average earning assets | $401,054,750 | 1,533 |
| Average equity | $44,954,750 | 1,608 |
| Average total loans | $318,565,000 | 1,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,057 |
| Cost of funding earning assets | 0.7128% | 1,125 |
| Net interest margin | 3.7208% | 2,876 |
| Noninterest income to average assets | 1.1836% | 835 |
| Noninterest expense to average assets | 3.2483% | 2,055 |
| Loan and lease loss provision to assets | 0.1293% | 1,911 |
| Net operating income to assets | 0.7165% | 3,751 |
| Return on assets (ROA) | 0.7165% | 3,847 |
| Pretax return on assets | 1.0087% | 3,446 |
| Return on Equity (ROE) | 7.4437% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.3104% | 3,425 |
| Net charge-offs to loans | 0.1821% | 1,937 |
| Credit loss provision to net charge-offs | 104.1667% | 1,916 |
| Earnings coverage of net charge-offs (x) | 9.1701% | 2,393 |
| Efficiency ratio | 73.7623% | 3,014 |
| Assets per employee ($millions) | 3.3397% | 5,172 |
| Cash dividends to net income (ytd only)* | 42.0926% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,061 |
| Loan loss allowance to noncurrent loans | 87.5766% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.1741% | 1,410 |
| Noncurrent loans to loans | 1.4426% | 2,391 |
| Net loans and leases to total assets | 66.4500% | 2,683 |
| Net loans and leases to deposits | 82.3103% | 2,214 |
| Net loans and leases to core deposits | 84.5380% | 2,680 |
| Total domestic deposits to total assets | 80.7311% | 5,056 |
| Equity capital to assets | 9.6538% | 4,554 |
| Core capital (leverage) ratio | 9.4354% | 4,419 |
| Tier 1 risk-based capital ratio | 14.4632% | 3,950 |
| Total risk-based capital ratio | 15.7188% | 3,890 |
| Memoranda: | ||
| Average total assets | $464,179,330 | 1,450 |
| Average earning assets | $399,542,670 | 1,533 |
| Average equity | $44,682,330 | 1,601 |
| Average total loans | $316,386,000 | 1,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 1,782 |
| Cost of funding earning assets | 0.7191% | 1,128 |
| Net interest margin | 3.7924% | 2,502 |
| Noninterest income to average assets | 1.1840% | 793 |
| Noninterest expense to average assets | 3.2212% | 2,154 |
| Loan and lease loss provision to assets | 0.1302% | 1,867 |
| Net operating income to assets | 0.7760% | 3,272 |
| Return on assets (ROA) | 0.7760% | 3,354 |
| Pretax return on assets | 1.0963% | 2,921 |
| Return on Equity (ROE) | 8.0734% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.9127% | 3,164 |
| Net charge-offs to loans | 0.0531% | 2,639 |
| Credit loss provision to net charge-offs | 357.1429% | 702 |
| Earnings coverage of net charge-offs (x) | 33.6429% | 979 |
| Efficiency ratio | 72.1311% | 3,461 |
| Assets per employee ($millions) | 3.3327% | 5,286 |
| Cash dividends to net income (ytd only)* | 39.1499% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,141 |
| Loan loss allowance to noncurrent loans | 78.4089% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.2485% | 1,468 |
| Noncurrent loans to loans | 1.6536% | 2,348 |
| Net loans and leases to total assets | 66.8939% | 2,412 |
| Net loans and leases to deposits | 82.9483% | 1,952 |
| Net loans and leases to core deposits | 86.7452% | 2,233 |
| Total domestic deposits to total assets | 80.6453% | 5,334 |
| Equity capital to assets | 9.5759% | 4,393 |
| Core capital (leverage) ratio | 9.3796% | 4,460 |
| Tier 1 risk-based capital ratio | 14.1266% | 4,236 |
| Total risk-based capital ratio | 15.3787% | 4,192 |
| Memoranda: | ||
| Average total assets | $460,817,500 | 1,465 |
| Average earning assets | $396,584,000 | 1,555 |
| Average equity | $44,293,500 | 1,605 |
| Average total loans | $316,119,500 | 1,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,289 |
| Cost of funding earning assets | 0.7435% | 1,541 |
| Net interest margin | 3.7366% | 2,911 |
| Noninterest income to average assets | 1.2676% | 860 |
| Noninterest expense to average assets | 3.4624% | 1,745 |
| Loan and lease loss provision to assets | 0.1699% | 2,159 |
| Net operating income to assets | 0.5962% | 4,278 |
| Return on assets (ROA) | 0.6237% | 4,266 |
| Pretax return on assets | 0.8581% | 3,924 |
| Return on Equity (ROE) | 6.3505% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.4868% | 3,746 |
| Net charge-offs to loans | 0.3132% | 2,118 |
| Credit loss provision to net charge-offs | 75.3493% | 3,160 |
| Earnings coverage of net charge-offs (x) | 4.3932% | 3,577 |
| Efficiency ratio | 77.4493% | 2,549 |
| Assets per employee ($millions) | 3.2274% | 5,432 |
| Cash dividends to net income (ytd only)* | 45.0938% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,328 |
| Loan loss allowance to noncurrent loans | 78.7843% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.2498% | 1,580 |
| Noncurrent loans to loans | 1.6033% | 2,502 |
| Net loans and leases to total assets | 68.5705% | 2,243 |
| Net loans and leases to deposits | 85.3441% | 1,767 |
| Net loans and leases to core deposits | 89.3799% | 2,096 |
| Total domestic deposits to total assets | 80.3460% | 5,364 |
| Equity capital to assets | 9.6489% | 4,220 |
| Core capital (leverage) ratio | 9.4743% | 4,307 |
| Tier 1 risk-based capital ratio | 13.9098% | 4,356 |
| Total risk-based capital ratio | 15.1607% | 4,293 |
| Memoranda: | ||
| Average total assets | $444,462,600 | 1,493 |
| Average earning assets | $378,870,200 | 1,599 |
| Average equity | $43,649,800 | 1,601 |
| Average total loans | $319,963,400 | 1,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,167 |
| Cost of funding earning assets | 0.7506% | 1,606 |
| Net interest margin | 3.7660% | 2,781 |
| Noninterest income to average assets | 1.3245% | 844 |
| Noninterest expense to average assets | 3.4695% | 1,676 |
| Loan and lease loss provision to assets | 0.2037% | 1,782 |
| Net operating income to assets | 0.6165% | 4,275 |
| Return on assets (ROA) | 0.6527% | 4,237 |
| Pretax return on assets | 0.9053% | 3,861 |
| Return on Equity (ROE) | 6.6168% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.5577% | 4,169 |
| Net charge-offs to loans | 0.4050% | 1,581 |
| Credit loss provision to net charge-offs | 69.2308% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.5979% | 3,659 |
| Efficiency ratio | 76.3146% | 2,683 |
| Assets per employee ($millions) | 3.0326% | 5,792 |
| Cash dividends to net income (ytd only)* | 46.2321% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,784 |
| Loan loss allowance to noncurrent loans | 53.0934% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.0708% | 1,201 |
| Noncurrent loans to loans | 2.2974% | 1,911 |
| Net loans and leases to total assets | 73.0473% | 1,443 |
| Net loans and leases to deposits | 90.5384% | 1,102 |
| Net loans and leases to core deposits | 92.5522% | 1,714 |
| Total domestic deposits to total assets | 80.6810% | 5,310 |
| Equity capital to assets | 10.0384% | 3,851 |
| Core capital (leverage) ratio | 9.5703% | 4,295 |
| Tier 1 risk-based capital ratio | 13.4526% | 4,792 |
| Total risk-based capital ratio | 14.7066% | 4,735 |
| Memoranda: | ||
| Average total assets | $441,814,000 | 1,511 |
| Average earning assets | $375,843,500 | 1,618 |
| Average equity | $43,585,250 | 1,613 |
| Average total loans | $320,947,500 | 1,329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 2,081 |
| Cost of funding earning assets | 0.7505% | 1,706 |
| Net interest margin | 3.7804% | 2,636 |
| Noninterest income to average assets | 1.3032% | 916 |
| Noninterest expense to average assets | 3.4461% | 1,726 |
| Loan and lease loss provision to assets | 0.2097% | 1,808 |
| Net operating income to assets | 0.6294% | 4,162 |
| Return on assets (ROA) | 0.6597% | 4,172 |
| Pretax return on assets | 0.9055% | 3,886 |
| Return on Equity (ROE) | 6.7262% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,536 |
| Net charge-offs to loans | 0.4677% | 1,410 |
| Credit loss provision to net charge-offs | 62.0828% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.1789% | 3,464 |
| Efficiency ratio | 75.9453% | 2,799 |
| Assets per employee ($millions) | 2.9855% | 5,872 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,766 |
| Loan loss allowance to noncurrent loans | 60.1155% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.8763% | 1,428 |
| Noncurrent loans to loans | 2.0676% | 2,316 |
| Net loans and leases to total assets | 71.1183% | 1,704 |
| Net loans and leases to deposits | 87.8834% | 1,350 |
| Net loans and leases to core deposits | 89.3746% | 1,966 |
| Total domestic deposits to total assets | 80.9235% | 5,357 |
| Equity capital to assets | 9.8665% | 4,101 |
| Core capital (leverage) ratio | 9.3614% | 4,451 |
| Tier 1 risk-based capital ratio | 13.3045% | 4,913 |
| Total risk-based capital ratio | 14.5592% | 4,852 |
| Memoranda: | ||
| Average total assets | $443,520,330 | 1,496 |
| Average earning assets | $377,366,000 | 1,609 |
| Average equity | $43,501,330 | 1,619 |
| Average total loans | $320,285,670 | 1,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 2,030 |
| Cost of funding earning assets | 0.7576% | 1,787 |
| Net interest margin | 3.7805% | 2,522 |
| Noninterest income to average assets | 1.2792% | 929 |
| Noninterest expense to average assets | 3.3901% | 1,856 |
| Loan and lease loss provision to assets | 0.2295% | 1,594 |
| Net operating income to assets | 0.6353% | 4,050 |
| Return on assets (ROA) | 0.6949% | 3,855 |
| Pretax return on assets | 0.9587% | 3,534 |
| Return on Equity (ROE) | 7.1063% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.8845% | 3,906 |
| Net charge-offs to loans | 0.7071% | 864 |
| Credit loss provision to net charge-offs | 44.8944% | 2,693 |
| Earnings coverage of net charge-offs (x) | 2.1620% | 3,114 |
| Efficiency ratio | 75.1101% | 3,080 |
| Assets per employee ($millions) | 3.0978% | 5,830 |
| Cash dividends to net income (ytd only)* | 45.3368% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,135 |
| Loan loss allowance to noncurrent loans | 55.0400% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.9709% | 1,512 |
| Noncurrent loans to loans | 2.1986% | 2,391 |
| Net loans and leases to total assets | 71.8467% | 1,377 |
| Net loans and leases to deposits | 88.5130% | 1,094 |
| Net loans and leases to core deposits | 89.9228% | 1,705 |
| Total domestic deposits to total assets | 81.1708% | 5,455 |
| Equity capital to assets | 9.7651% | 4,473 |
| Core capital (leverage) ratio | 9.3133% | 4,378 |
| Tier 1 risk-based capital ratio | 13.0413% | 5,188 |
| Total risk-based capital ratio | 14.3042% | 5,138 |
| Memoranda: | ||
| Average total assets | $444,357,000 | 1,510 |
| Average earning assets | $378,041,000 | 1,619 |
| Average equity | $43,454,500 | 1,639 |
| Average total loans | $321,334,000 | 1,319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 2,099 |
| Cost of funding earning assets | 0.9744% | 1,497 |
| Net interest margin | 3.8522% | 3,014 |
| Noninterest income to average assets | 1.1565% | 1,167 |
| Noninterest expense to average assets | 3.4435% | 1,960 |
| Loan and lease loss provision to assets | 0.2600% | 2,567 |
| Net operating income to assets | 0.5320% | 4,555 |
| Return on assets (ROA) | 0.5469% | 4,746 |
| Pretax return on assets | 0.7397% | 4,519 |
| Return on Equity (ROE) | 5.6799% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.5579% | 3,710 |
| Net charge-offs to loans | 0.3302% | 2,992 |
| Credit loss provision to net charge-offs | 110.3083% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.1561% | 3,459 |
| Efficiency ratio | 77.5474% | 2,516 |
| Assets per employee ($millions) | 2.8930% | 6,165 |
| Cash dividends to net income (ytd only)* | 37.3599% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,487 |
| Loan loss allowance to noncurrent loans | 55.7470% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.1471% | 1,484 |
| Noncurrent loans to loans | 2.3894% | 2,242 |
| Net loans and leases to total assets | 70.9410% | 1,661 |
| Net loans and leases to deposits | 87.4382% | 1,335 |
| Net loans and leases to core deposits | 89.1018% | 1,950 |
| Total domestic deposits to total assets | 81.1327% | 5,364 |
| Equity capital to assets | 9.7934% | 4,459 |
| Core capital (leverage) ratio | 9.3119% | 4,398 |
| Tier 1 risk-based capital ratio | 13.1848% | 4,975 |
| Total risk-based capital ratio | 14.4516% | 4,908 |
| Memoranda: | ||
| Average total assets | $440,459,000 | 1,498 |
| Average earning assets | $373,470,800 | 1,600 |
| Average equity | $42,412,600 | 1,639 |
| Average total loans | $314,316,600 | 1,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 2,275 |
| Cost of funding earning assets | 1.0175% | 1,461 |
| Net interest margin | 3.8150% | 3,269 |
| Noninterest income to average assets | 1.1726% | 1,103 |
| Noninterest expense to average assets | 3.4709% | 1,826 |
| Loan and lease loss provision to assets | 0.2697% | 2,413 |
| Net operating income to assets | 0.4962% | 4,855 |
| Return on assets (ROA) | 0.5164% | 5,039 |
| Pretax return on assets | 0.6931% | 4,888 |
| Return on Equity (ROE) | 5.3865% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.3318% | 4,524 |
| Net charge-offs to loans | 0.3345% | 2,784 |
| Credit loss provision to net charge-offs | 113.2316% | 2,578 |
| Earnings coverage of net charge-offs (x) | 3.9288% | 3,454 |
| Efficiency ratio | 78.4457% | 2,329 |
| Assets per employee ($millions) | 2.9084% | 6,206 |
| Cash dividends to net income (ytd only)* | 38.1458% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 4,567 |
| Loan loss allowance to noncurrent loans | 49.5033% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.6905% | 1,341 |
| Noncurrent loans to loans | 2.7307% | 2,073 |
| Net loans and leases to total assets | 69.4686% | 2,020 |
| Net loans and leases to deposits | 85.5842% | 1,654 |
| Net loans and leases to core deposits | 87.1283% | 2,328 |
| Total domestic deposits to total assets | 81.1699% | 5,308 |
| Equity capital to assets | 9.6823% | 4,942 |
| Core capital (leverage) ratio | 9.1440% | 4,842 |
| Tier 1 risk-based capital ratio | 13.0326% | 5,213 |
| Total risk-based capital ratio | 14.3028% | 5,162 |
| Memoranda: | ||
| Average total assets | $439,917,750 | 1,514 |
| Average earning assets | $372,934,750 | 1,620 |
| Average equity | $42,178,750 | 1,668 |
| Average total loans | $313,335,500 | 1,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 2,084 |
| Cost of funding earning assets | 1.0506% | 1,466 |
| Net interest margin | 3.8556% | 3,112 |
| Noninterest income to average assets | 1.1610% | 1,053 |
| Noninterest expense to average assets | 3.4959% | 1,798 |
| Loan and lease loss provision to assets | 0.2898% | 2,264 |
| Net operating income to assets | 0.4830% | 4,899 |
| Return on assets (ROA) | 0.5134% | 5,018 |
| Pretax return on assets | 0.6837% | 4,873 |
| Return on Equity (ROE) | 5.3729% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.2238% | 4,465 |
| Net charge-offs to loans | 0.4238% | 2,343 |
| Credit loss provision to net charge-offs | 95.6325% | 2,886 |
| Earnings coverage of net charge-offs (x) | 3.0783% | 3,516 |
| Efficiency ratio | 78.6274% | 2,382 |
| Assets per employee ($millions) | 2.9034% | 6,224 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,750 |
| Loan loss allowance to noncurrent loans | 47.7704% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 3.8149% | 1,355 |
| Noncurrent loans to loans | 2.7812% | 2,157 |
| Net loans and leases to total assets | 68.1515% | 2,266 |
| Net loans and leases to deposits | 83.7832% | 1,878 |
| Net loans and leases to core deposits | 85.4389% | 2,499 |
| Total domestic deposits to total assets | 81.3427% | 5,351 |
| Equity capital to assets | 9.4948% | 5,070 |
| Core capital (leverage) ratio | 8.9589% | 4,969 |
| Tier 1 risk-based capital ratio | 13.0079% | 5,185 |
| Total risk-based capital ratio | 14.2757% | 5,143 |
| Memoranda: | ||
| Average total assets | $438,228,670 | 1,519 |
| Average earning assets | $371,409,670 | 1,631 |
| Average equity | $41,876,670 | 1,668 |
| Average total loans | $313,327,000 | 1,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 2,023 |
| Cost of funding earning assets | 1.0771% | 1,510 |
| Net interest margin | 3.8868% | 2,979 |
| Noninterest income to average assets | 1.0982% | 1,178 |
| Noninterest expense to average assets | 3.6175% | 1,527 |
| Loan and lease loss provision to assets | 0.2351% | 2,588 |
| Net operating income to assets | 0.4070% | 5,223 |
| Return on assets (ROA) | 0.4694% | 5,156 |
| Pretax return on assets | 0.6187% | 5,053 |
| Return on Equity (ROE) | 4.8956% | 4,833 |
| Retained earnings to average equity (ytd only) | 1.5293% | 5,476 |
| Net charge-offs to loans | 0.4500% | 1,966 |
| Credit loss provision to net charge-offs | 71.8310% | 2,872 |
| Earnings coverage of net charge-offs (x) | 2.3577% | 3,230 |
| Efficiency ratio | 82.1008% | 1,921 |
| Assets per employee ($millions) | 2.8414% | 6,447 |
| Cash dividends to net income (ytd only)* | 68.7623% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,096 |
| Loan loss allowance to noncurrent loans | 44.5525% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 3.7680% | 1,488 |
| Noncurrent loans to loans | 2.8797% | 2,242 |
| Net loans and leases to total assets | 70.4417% | 1,680 |
| Net loans and leases to deposits | 86.6792% | 1,329 |
| Net loans and leases to core deposits | 88.3269% | 2,016 |
| Total domestic deposits to total assets | 81.2672% | 5,529 |
| Equity capital to assets | 9.4588% | 4,871 |
| Core capital (leverage) ratio | 8.9822% | 4,867 |
| Tier 1 risk-based capital ratio | 12.4285% | 5,659 |
| Total risk-based capital ratio | 13.6922% | 5,617 |
| Memoranda: | ||
| Average total assets | $433,784,500 | 1,537 |
| Average earning assets | $367,294,000 | 1,646 |
| Average equity | $41,588,500 | 1,671 |
| Average total loans | $315,580,500 | 1,347 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 2,232 |
| Cost of funding earning assets | 1.2702% | 1,622 |
| Net interest margin | 3.8859% | 3,399 |
| Noninterest income to average assets | 1.0929% | 1,112 |
| Noninterest expense to average assets | 3.7894% | 1,367 |
| Loan and lease loss provision to assets | 0.3210% | 3,113 |
| Net operating income to assets | 0.2225% | 5,518 |
| Return on assets (ROA) | 0.4014% | 5,031 |
| Pretax return on assets | 0.4767% | 5,060 |
| Return on Equity (ROE) | 4.2320% | 4,747 |
| Retained earnings to average equity (ytd only) | 1.6053% | 5,066 |
| Net charge-offs to loans | 0.4685% | 3,115 |
| Credit loss provision to net charge-offs | 94.5392% | 3,813 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 4,484 |
| Efficiency ratio | 86.3569% | 1,512 |
| Assets per employee ($millions) | 2.8288% | 6,410 |
| Cash dividends to net income (ytd only)* | 62.0670% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,881 |
| Loan loss allowance to noncurrent loans | 45.5216% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.8913% | 1,482 |
| Noncurrent loans to loans | 2.8644% | 2,280 |
| Net loans and leases to total assets | 73.2197% | 1,405 |
| Net loans and leases to deposits | 91.7153% | 992 |
| Net loans and leases to core deposits | 93.5777% | 1,743 |
| Total domestic deposits to total assets | 79.8337% | 5,784 |
| Equity capital to assets | 9.7199% | 4,565 |
| Core capital (leverage) ratio | 9.2338% | 4,418 |
| Tier 1 risk-based capital ratio | 12.3153% | 5,606 |
| Total risk-based capital ratio | 13.5794% | 5,568 |
| Memoranda: | ||
| Average total assets | $431,498,000 | 1,511 |
| Average earning assets | $364,342,600 | 1,623 |
| Average equity | $40,926,400 | 1,641 |
| Average total loans | $312,698,400 | 1,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 2,202 |
| Cost of funding earning assets | 1.3085% | 1,654 |
| Net interest margin | 3.8934% | 3,409 |
| Noninterest income to average assets | 1.0005% | 1,340 |
| Noninterest expense to average assets | 3.8342% | 1,258 |
| Loan and lease loss provision to assets | 0.2681% | 3,359 |
| Net operating income to assets | 0.1636% | 5,789 |
| Return on assets (ROA) | 0.3529% | 5,375 |
| Pretax return on assets | 0.4044% | 5,453 |
| Return on Equity (ROE) | 3.7437% | 5,112 |
| Retained earnings to average equity (ytd only) | 1.2098% | 5,529 |
| Net charge-offs to loans | 0.3649% | 3,264 |
| Credit loss provision to net charge-offs | 101.9930% | 3,278 |
| Earnings coverage of net charge-offs (x) | 1.7304% | 4,357 |
| Efficiency ratio | 89.1276% | 1,230 |
| Assets per employee ($millions) | 2.7632% | 6,555 |
| Cash dividends to net income (ytd only)* | 67.6857% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 4,603 |
| Loan loss allowance to noncurrent loans | 45.7486% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 4.1799% | 1,462 |
| Noncurrent loans to loans | 3.0396% | 2,280 |
| Net loans and leases to total assets | 70.0201% | 2,080 |
| Net loans and leases to deposits | 86.7110% | 1,585 |
| Net loans and leases to core deposits | 90.7638% | 2,154 |
| Total domestic deposits to total assets | 80.7511% | 5,515 |
| Equity capital to assets | 9.6551% | 4,846 |
| Core capital (leverage) ratio | 8.8421% | 5,193 |
| Tier 1 risk-based capital ratio | 12.3725% | 5,604 |
| Total risk-based capital ratio | 13.6393% | 5,577 |
| Memoranda: | ||
| Average total assets | $432,584,000 | 1,519 |
| Average earning assets | $365,400,000 | 1,625 |
| Average equity | $40,778,250 | 1,650 |
| Average total loans | $311,649,750 | 1,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2314% | 2,136 |
| Cost of funding earning assets | 1.3350% | 1,728 |
| Net interest margin | 3.8964% | 3,324 |
| Noninterest income to average assets | 0.9875% | 1,356 |
| Noninterest expense to average assets | 3.8409% | 1,291 |
| Loan and lease loss provision to assets | 0.2834% | 3,112 |
| Net operating income to assets | 0.1364% | 5,918 |
| Return on assets (ROA) | 0.3392% | 5,352 |
| Pretax return on assets | 0.3834% | 5,445 |
| Return on Equity (ROE) | 3.6268% | 5,101 |
| Retained earnings to average equity (ytd only) | 0.9165% | 5,501 |
| Net charge-offs to loans | 0.4507% | 2,773 |
| Credit loss provision to net charge-offs | 86.8644% | 3,557 |
| Earnings coverage of net charge-offs (x) | 1.3376% | 4,286 |
| Efficiency ratio | 89.5497% | 1,272 |
| Assets per employee ($millions) | 2.8026% | 6,464 |
| Cash dividends to net income (ytd only)* | 74.7283% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,959 |
| Loan loss allowance to noncurrent loans | 49.5608% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 3.9178% | 1,648 |
| Noncurrent loans to loans | 2.6682% | 2,731 |
| Net loans and leases to total assets | 70.3000% | 2,157 |
| Net loans and leases to deposits | 86.2925% | 1,750 |
| Net loans and leases to core deposits | 91.0877% | 2,242 |
| Total domestic deposits to total assets | 81.4671% | 5,361 |
| Equity capital to assets | 9.3113% | 5,120 |
| Core capital (leverage) ratio | 8.6029% | 5,402 |
| Tier 1 risk-based capital ratio | 12.0655% | 5,732 |
| Total risk-based capital ratio | 13.3247% | 5,694 |
| Memoranda: | ||
| Average total assets | $434,015,330 | 1,526 |
| Average earning assets | $366,443,670 | 1,637 |
| Average equity | $40,587,000 | 1,651 |
| Average total loans | $314,160,330 | 1,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 2,120 |
| Cost of funding earning assets | 1.3590% | 1,831 |
| Net interest margin | 3.8695% | 3,302 |
| Noninterest income to average assets | 1.2395% | 825 |
| Noninterest expense to average assets | 3.8861% | 1,195 |
| Loan and lease loss provision to assets | 0.3330% | 2,566 |
| Net operating income to assets | 0.2517% | 5,608 |
| Return on assets (ROA) | 0.2942% | 5,509 |
| Pretax return on assets | 0.3284% | 5,569 |
| Return on Equity (ROE) | 3.1388% | 5,304 |
| Retained earnings to average equity (ytd only) | -0.5626% | 5,899 |
| Net charge-offs to loans | 0.1965% | 3,324 |
| Credit loss provision to net charge-offs | 232.2581% | 1,321 |
| Earnings coverage of net charge-offs (x) | 4.2839% | 2,521 |
| Efficiency ratio | 86.1048% | 1,705 |
| Assets per employee ($millions) | 2.7573% | 6,609 |
| Cash dividends to net income (ytd only)* | 117.9245% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,633 |
| Loan loss allowance to noncurrent loans | 40.3379% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 4.5567% | 1,414 |
| Noncurrent loans to loans | 3.4874% | 2,137 |
| Net loans and leases to total assets | 70.6113% | 2,008 |
| Net loans and leases to deposits | 86.7011% | 1,620 |
| Net loans and leases to core deposits | 92.8588% | 2,027 |
| Total domestic deposits to total assets | 81.4423% | 5,516 |
| Equity capital to assets | 9.2199% | 4,844 |
| Core capital (leverage) ratio | 8.7356% | 5,025 |
| Tier 1 risk-based capital ratio | 11.8208% | 5,841 |
| Total risk-based capital ratio | 13.0777% | 5,836 |
| Memoranda: | ||
| Average total assets | $432,417,000 | 1,538 |
| Average earning assets | $364,388,500 | 1,654 |
| Average equity | $40,525,500 | 1,643 |
| Average total loans | $315,501,000 | 1,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 2,203 |
| Cost of funding earning assets | 1.6937% | 1,633 |
| Net interest margin | 3.8260% | 3,836 |
| Noninterest income to average assets | 1.2363% | 987 |
| Noninterest expense to average assets | 3.7337% | 1,621 |
| Loan and lease loss provision to assets | 0.4489% | 3,435 |
| Net operating income to assets | 0.2406% | 5,134 |
| Return on assets (ROA) | 0.3040% | 5,094 |
| Pretax return on assets | 0.3386% | 5,113 |
| Return on Equity (ROE) | 3.2131% | 4,861 |
| Retained earnings to average equity (ytd only) | -0.0393% | 5,599 |
| Net charge-offs to loans | 0.5443% | 3,428 |
| Credit loss provision to net charge-offs | 111.9930% | 3,909 |
| Earnings coverage of net charge-offs (x) | 1.7891% | 4,376 |
| Efficiency ratio | 83.6542% | 1,960 |
| Assets per employee ($millions) | 2.6819% | 6,717 |
| Cash dividends to net income (ytd only)* | 101.2223% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,858 |
| Loan loss allowance to noncurrent loans | 37.4500% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 4.7638% | 1,371 |
| Noncurrent loans to loans | 3.5477% | 2,125 |
| Net loans and leases to total assets | 73.3556% | 1,797 |
| Net loans and leases to deposits | 91.9004% | 1,275 |
| Net loans and leases to core deposits | 97.0868% | 1,881 |
| Total domestic deposits to total assets | 79.8208% | 5,883 |
| Equity capital to assets | 9.5281% | 4,372 |
| Core capital (leverage) ratio | 8.9255% | 4,652 |
| Tier 1 risk-based capital ratio | 11.8553% | 5,611 |
| Total risk-based capital ratio | 13.1122% | 5,593 |
| Memoranda: | ||
| Average total assets | $430,646,000 | 1,551 |
| Average earning assets | $361,810,200 | 1,658 |
| Average equity | $40,739,200 | 1,628 |
| Average total loans | $317,108,600 | 1,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 2,241 |
| Cost of funding earning assets | 1.7660% | 1,566 |
| Net interest margin | 3.7873% | 4,022 |
| Noninterest income to average assets | 1.2786% | 842 |
| Noninterest expense to average assets | 3.7324% | 1,507 |
| Loan and lease loss provision to assets | 0.4256% | 3,359 |
| Net operating income to assets | 0.2655% | 5,297 |
| Return on assets (ROA) | 0.3215% | 5,245 |
| Pretax return on assets | 0.3635% | 5,336 |
| Return on Equity (ROE) | 3.4047% | 5,046 |
| Retained earnings to average equity (ytd only) | 0.3794% | 5,640 |
| Net charge-offs to loans | 0.5251% | 3,199 |
| Credit loss provision to net charge-offs | 110.3283% | 3,835 |
| Earnings coverage of net charge-offs (x) | 1.8807% | 4,299 |
| Efficiency ratio | 83.4904% | 1,892 |
| Assets per employee ($millions) | 2.6680% | 6,824 |
| Cash dividends to net income (ytd only)* | 88.8564% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,806 |
| Loan loss allowance to noncurrent loans | 54.4377% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 4.1256% | 1,669 |
| Noncurrent loans to loans | 2.4397% | 3,188 |
| Net loans and leases to total assets | 72.8596% | 2,046 |
| Net loans and leases to deposits | 92.9998% | 1,329 |
| Net loans and leases to core deposits | 95.3340% | 2,341 |
| Total domestic deposits to total assets | 78.3438% | 6,183 |
| Equity capital to assets | 9.7543% | 4,468 |
| Core capital (leverage) ratio | 9.0199% | 4,665 |
| Tier 1 risk-based capital ratio | 12.0052% | 5,460 |
| Total risk-based capital ratio | 13.2656% | 5,421 |
| Memoranda: | ||
| Average total assets | $431,701,500 | 1,568 |
| Average earning assets | $362,390,750 | 1,686 |
| Average equity | $40,766,500 | 1,626 |
| Average total loans | $317,131,250 | 1,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5559% | 2,310 |
| Cost of funding earning assets | 1.8124% | 1,596 |
| Net interest margin | 3.7435% | 4,167 |
| Noninterest income to average assets | 1.2958% | 759 |
| Noninterest expense to average assets | 3.6751% | 1,609 |
| Loan and lease loss provision to assets | 0.4679% | 2,978 |
| Net operating income to assets | 0.2742% | 5,282 |
| Return on assets (ROA) | 0.3172% | 5,276 |
| Pretax return on assets | 0.3581% | 5,348 |
| Return on Equity (ROE) | 3.3949% | 5,061 |
| Retained earnings to average equity (ytd only) | 0.3198% | 5,631 |
| Net charge-offs to loans | 0.6205% | 2,673 |
| Credit loss provision to net charge-offs | 102.8283% | 3,967 |
| Earnings coverage of net charge-offs (x) | 1.7091% | 4,225 |
| Efficiency ratio | 82.2959% | 2,121 |
| Assets per employee ($millions) | 2.6428% | 6,875 |
| Cash dividends to net income (ytd only)* | 90.5797% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 4,828 |
| Loan loss allowance to noncurrent loans | 68.6819% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 3.6657% | 1,908 |
| Noncurrent loans to loans | 1.9142% | 3,848 |
| Net loans and leases to total assets | 70.7099% | 2,743 |
| Net loans and leases to deposits | 90.6125% | 1,754 |
| Net loans and leases to core deposits | 92.9504% | 2,854 |
| Total domestic deposits to total assets | 78.0355% | 6,262 |
| Equity capital to assets | 9.5823% | 4,580 |
| Core capital (leverage) ratio | 8.7011% | 5,070 |
| Tier 1 risk-based capital ratio | 12.1184% | 5,205 |
| Total risk-based capital ratio | 13.3787% | 5,169 |
| Memoranda: | ||
| Average total assets | $435,089,330 | 1,566 |
| Average earning assets | $366,925,670 | 1,678 |
| Average equity | $40,649,330 | 1,627 |
| Average total loans | $319,086,670 | 1,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 2,719 |
| Cost of funding earning assets | 1.8237% | 1,778 |
| Net interest margin | 3.6485% | 4,498 |
| Noninterest income to average assets | 1.1465% | 951 |
| Noninterest expense to average assets | 3.7677% | 1,375 |
| Loan and lease loss provision to assets | 0.3283% | 3,432 |
| Net operating income to assets | 0.1363% | 5,901 |
| Return on assets (ROA) | 0.2453% | 5,636 |
| Pretax return on assets | 0.2508% | 5,745 |
| Return on Equity (ROE) | 2.6593% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.0890% | 5,788 |
| Net charge-offs to loans | 0.4944% | 2,579 |
| Credit loss provision to net charge-offs | 89.5522% | 3,670 |
| Earnings coverage of net charge-offs (x) | 1.2761% | 3,985 |
| Efficiency ratio | 88.6951% | 1,527 |
| Assets per employee ($millions) | 2.6865% | 6,888 |
| Cash dividends to net income (ytd only)* | 96.6543% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 5,386 |
| Loan loss allowance to noncurrent loans | 42.2225% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.6494% | 1,916 |
| Noncurrent loans to loans | 2.8933% | 2,787 |
| Net loans and leases to total assets | 73.1771% | 2,158 |
| Net loans and leases to deposits | 94.7020% | 1,267 |
| Net loans and leases to core deposits | 97.0319% | 2,456 |
| Total domestic deposits to total assets | 77.2709% | 6,502 |
| Equity capital to assets | 9.2531% | 4,911 |
| Core capital (leverage) ratio | 8.5373% | 5,308 |
| Tier 1 risk-based capital ratio | 11.5794% | 5,598 |
| Total risk-based capital ratio | 12.8294% | 5,568 |
| Memoranda: | ||
| Average total assets | $438,568,500 | 1,598 |
| Average earning assets | $371,330,000 | 1,702 |
| Average equity | $40,461,500 | 1,650 |
| Average total loans | $325,248,000 | 1,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 4,130 |
| Cost of funding earning assets | 2.2608% | 1,801 |
| Net interest margin | 3.2414% | 5,955 |
| Noninterest income to average assets | 0.8386% | 2,235 |
| Noninterest expense to average assets | 3.5329% | 2,309 |
| Loan and lease loss provision to assets | 0.4666% | 4,038 |
| Net operating income to assets | -0.2553% | 5,906 |
| Return on assets (ROA) | 0.1042% | 5,248 |
| Pretax return on assets | 0.0137% | 5,406 |
| Return on Equity (ROE) | 1.1802% | 5,179 |
| Retained earnings to average equity (ytd only) | -2.1640% | 5,552 |
| Net charge-offs to loans | 0.3497% | 4,480 |
| Credit loss provision to net charge-offs | 187.1245% | 2,162 |
| Earnings coverage of net charge-offs (x) | 0.4841% | 5,623 |
| Efficiency ratio | 96.5614% | 1,291 |
| Assets per employee ($millions) | 2.7452% | 6,766 |
| Cash dividends to net income (ytd only)* | 283.3676% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,186 |
| Loan loss allowance to noncurrent loans | 44.2395% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 3.3172% | 2,064 |
| Noncurrent loans to loans | 2.7763% | 2,782 |
| Net loans and leases to total assets | 73.3284% | 2,419 |
| Net loans and leases to deposits | 94.7423% | 1,496 |
| Net loans and leases to core deposits | 112.0515% | 2,692 |
| Total domestic deposits to total assets | 77.3978% | 6,367 |
| Equity capital to assets | 9.1986% | 4,846 |
| Core capital (leverage) ratio | 8.2743% | 5,664 |
| Tier 1 risk-based capital ratio | 11.2522% | 5,660 |
| Total risk-based capital ratio | 12.5058% | 5,611 |
| Memoranda: | ||
| Average total assets | $467,233,400 | 1,483 |
| Average earning assets | $405,776,800 | 1,559 |
| Average equity | $41,265,600 | 1,621 |
| Average total loans | $333,169,000 | 1,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 4,434 |
| Cost of funding earning assets | 2.3510% | 1,804 |
| Net interest margin | 3.1463% | 6,195 |
| Noninterest income to average assets | 0.7633% | 2,630 |
| Noninterest expense to average assets | 3.4533% | 2,408 |
| Loan and lease loss provision to assets | 0.3579% | 4,174 |
| Net operating income to assets | -0.0981% | 5,888 |
| Return on assets (ROA) | 0.0630% | 5,609 |
| Pretax return on assets | -0.0534% | 5,784 |
| Return on Equity (ROE) | 0.7200% | 5,574 |
| Retained earnings to average equity (ytd only) | -3.1371% | 5,962 |
| Net charge-offs to loans | 0.1568% | 5,141 |
| Credit loss provision to net charge-offs | 323.0964% | 1,269 |
| Earnings coverage of net charge-offs (x) | 0.4772% | 5,552 |
| Efficiency ratio | 98.4043% | 1,147 |
| Assets per employee ($millions) | 2.7039% | 6,842 |
| Cash dividends to net income (ytd only)* | 535.7129% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,385 |
| Loan loss allowance to noncurrent loans | 46.7158% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.0190% | 2,300 |
| Noncurrent loans to loans | 2.4724% | 3,049 |
| Net loans and leases to total assets | 72.8920% | 2,821 |
| Net loans and leases to deposits | 95.0376% | 1,705 |
| Net loans and leases to core deposits | 113.9906% | 2,830 |
| Total domestic deposits to total assets | 76.6981% | 6,427 |
| Equity capital to assets | 9.0640% | 5,395 |
| Core capital (leverage) ratio | 7.8244% | 6,585 |
| Tier 1 risk-based capital ratio | 11.1856% | 5,774 |
| Total risk-based capital ratio | 12.3923% | 5,765 |
| Memoranda: | ||
| Average total assets | $474,233,750 | 1,478 |
| Average earning assets | $413,428,000 | 1,543 |
| Average equity | $41,481,250 | 1,633 |
| Average total loans | $334,939,500 | 1,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 4,998 |
| Cost of funding earning assets | 2.4110% | 1,924 |
| Net interest margin | 3.0169% | 6,497 |
| Noninterest income to average assets | 0.7141% | 2,905 |
| Noninterest expense to average assets | 3.2564% | 3,132 |
| Loan and lease loss provision to assets | 0.3963% | 3,540 |
| Net operating income to assets | -0.0949% | 5,996 |
| Return on assets (ROA) | -0.0678% | 6,015 |
| Pretax return on assets | -0.2620% | 6,190 |
| Return on Equity (ROE) | -0.7840% | 6,045 |
| Retained earnings to average equity (ytd only) | -5.1125% | 6,318 |
| Net charge-offs to loans | 0.1791% | 4,455 |
| Credit loss provision to net charge-offs | 317.6667% | 1,467 |
| Earnings coverage of net charge-offs (x) | 0.7367% | 4,986 |
| Efficiency ratio | 97.2550% | 1,303 |
| Assets per employee ($millions) | 2.9703% | 6,208 |
| Cash dividends to net income (ytd only)* | -552.1472% | 8,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,770 |
| Loan loss allowance to noncurrent loans | 82.6827% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 2.0660% | 3,107 |
| Noncurrent loans to loans | 1.2967% | 4,613 |
| Net loans and leases to total assets | 69.0019% | 3,946 |
| Net loans and leases to deposits | 89.1769% | 2,957 |
| Net loans and leases to core deposits | 108.7278% | 3,526 |
| Total domestic deposits to total assets | 77.3764% | 6,231 |
| Equity capital to assets | 8.4170% | 6,171 |
| Core capital (leverage) ratio | 7.7442% | 6,681 |
| Tier 1 risk-based capital ratio | 10.9368% | 5,943 |
| Total risk-based capital ratio | 12.0420% | 6,029 |
| Memoranda: | ||
| Average total assets | $480,895,000 | 1,473 |
| Average earning assets | $419,902,330 | 1,544 |
| Average equity | $41,584,000 | 1,636 |
| Average total loans | $334,925,670 | 1,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 4,446 |
| Cost of funding earning assets | 2.5478% | 1,746 |
| Net interest margin | 3.0383% | 6,380 |
| Noninterest income to average assets | 0.5710% | 3,748 |
| Noninterest expense to average assets | 3.0793% | 3,455 |
| Loan and lease loss provision to assets | 0.2830% | 3,694 |
| Net operating income to assets | 0.0200% | 6,206 |
| Return on assets (ROA) | 0.0779% | 6,216 |
| Pretax return on assets | -0.0511% | 6,433 |
| Return on Equity (ROE) | 0.8884% | 6,158 |
| Retained earnings to average equity (ytd only) | -3.4101% | 6,350 |
| Net charge-offs to loans | 0.1239% | 3,977 |
| Credit loss provision to net charge-offs | 328.1553% | 1,514 |
| Earnings coverage of net charge-offs (x) | 1.6408% | 3,910 |
| Efficiency ratio | 95.6070% | 1,334 |
| Assets per employee ($millions) | 3.0880% | 5,922 |
| Cash dividends to net income (ytd only)* | 483.8710% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,490 |
| Loan loss allowance to noncurrent loans | 97.9648% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.9519% | 2,978 |
| Noncurrent loans to loans | 0.9697% | 5,056 |
| Net loans and leases to total assets | 68.0558% | 4,126 |
| Net loans and leases to deposits | 92.9022% | 2,453 |
| Net loans and leases to core deposits | 112.5801% | 3,158 |
| Total domestic deposits to total assets | 73.2554% | 7,017 |
| Equity capital to assets | 8.4635% | 6,131 |
| Core capital (leverage) ratio | 8.0200% | 6,413 |
| Tier 1 risk-based capital ratio | 11.0546% | 5,856 |
| Total risk-based capital ratio | 12.0286% | 6,019 |
| Memoranda: | ||
| Average total assets | $477,776,000 | 1,494 |
| Average earning assets | $416,679,000 | 1,560 |
| Average equity | $41,875,000 | 1,630 |
| Average total loans | $332,501,500 | 1,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0285% | 5,416 |
| Cost of funding earning assets | 2.8624% | 2,431 |
| Net interest margin | 3.1661% | 6,474 |
| Noninterest income to average assets | 0.8433% | 2,274 |
| Noninterest expense to average assets | 3.0545% | 3,881 |
| Loan and lease loss provision to assets | 0.2781% | 4,168 |
| Net operating income to assets | 0.3366% | 5,414 |
| Return on assets (ROA) | 0.3595% | 5,117 |
| Pretax return on assets | 0.2865% | 5,536 |
| Return on Equity (ROE) | 3.8897% | 4,861 |
| Retained earnings to average equity (ytd only) | 0.0385% | 5,213 |
| Net charge-offs to loans | 0.3022% | 3,381 |
| Credit loss provision to net charge-offs | 133.4045% | 3,983 |
| Earnings coverage of net charge-offs (x) | 2.5987% | 4,789 |
| Efficiency ratio | 84.9375% | 1,955 |
| Assets per employee ($millions) | 2.8486% | 6,451 |
| Cash dividends to net income (ytd only)* | 99.0099% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,577 |
| Loan loss allowance to noncurrent loans | 48.6733% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1722% | 2,252 |
| Noncurrent loans to loans | 1.8871% | 2,927 |
| Net loans and leases to total assets | 69.8933% | 4,044 |
| Net loans and leases to deposits | 98.6726% | 2,027 |
| Net loans and leases to core deposits | 122.9257% | 2,406 |
| Total domestic deposits to total assets | 70.8335% | 7,185 |
| Equity capital to assets | 9.0869% | 5,246 |
| Core capital (leverage) ratio | 8.3419% | 5,869 |
| Tier 1 risk-based capital ratio | 11.8244% | 4,963 |
| Total risk-based capital ratio | 12.7813% | 5,105 |
| Memoranda: | ||
| Average total assets | $449,539,000 | 1,526 |
| Average earning assets | $390,862,200 | 1,588 |
| Average equity | $41,545,600 | 1,610 |
| Average total loans | $310,099,200 | 1,564 |