Home > Chickasha Bank & Trust Company > Performance and Condition Ratios
Chickasha Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.7100% | 217 |
| Cost of funding earning assets | 0.1519% | 6,257 |
| Net interest margin | 5.5581% | 123 |
| Noninterest income to average assets | 0.9433% | 1,346 |
| Noninterest expense to average assets | 3.8632% | 895 |
| Loan and lease loss provision to assets | 0.7102% | 185 |
| Net operating income to assets | 1.2130% | 1,551 |
| Return on assets (ROA) | 1.2130% | 1,608 |
| Pretax return on assets | 1.2130% | 2,604 |
| Return on Equity (ROE) | 9.5845% | 2,334 |
| Retained earnings to average equity (ytd only) | 4.2849% | 3,447 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9467% | 4,698 |
| Assets per employee ($millions) | 3.2585% | 5,327 |
| Cash dividends to net income (ytd only)* | 55.2932% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 6,233 |
| Loan loss allowance to noncurrent loans | 53.5407% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 3,314 |
| Noncurrent loans to loans | 1.2329% | 2,764 |
| Net loans and leases to total assets | 61.2511% | 3,530 |
| Net loans and leases to deposits | 73.3451% | 3,411 |
| Net loans and leases to core deposits | 80.9617% | 3,103 |
| Total domestic deposits to total assets | 83.5108% | 4,103 |
| Equity capital to assets | 13.1601% | 1,286 |
| Core capital (leverage) ratio | 10.5392% | 2,897 |
| Tier 1 risk-based capital ratio | 16.1444% | 3,013 |
| Total risk-based capital ratio | 16.7790% | 3,292 |
| Memoranda: | ||
| Average total assets | $202,473,330 | 3,004 |
| Average earning assets | $176,427,670 | 3,124 |
| Average equity | $25,624,670 | 2,606 |
| Average total loans | $127,648,670 | 2,911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9558% | 153 |
| Cost of funding earning assets | 0.1791% | 6,173 |
| Net interest margin | 5.7767% | 100 |
| Noninterest income to average assets | 0.8281% | 1,643 |
| Noninterest expense to average assets | 3.8996% | 862 |
| Loan and lease loss provision to assets | 0.8907% | 129 |
| Net operating income to assets | 1.0885% | 1,858 |
| Return on assets (ROA) | 1.0885% | 1,923 |
| Pretax return on assets | 1.0885% | 2,963 |
| Return on Equity (ROE) | 8.7704% | 2,563 |
| Retained earnings to average equity (ytd only) | 1.2619% | 5,112 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6031% | 4,924 |
| Assets per employee ($millions) | 3.2392% | 5,464 |
| Cash dividends to net income (ytd only)* | 85.6115% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4212% | 6,550 |
| Loan loss allowance to noncurrent loans | 18.6070% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 2,077 |
| Noncurrent loans to loans | 2.2639% | 1,593 |
| Net loans and leases to total assets | 63.1326% | 3,048 |
| Net loans and leases to deposits | 74.8476% | 2,960 |
| Net loans and leases to core deposits | 83.4949% | 2,574 |
| Total domestic deposits to total assets | 84.3482% | 4,145 |
| Equity capital to assets | 12.4677% | 1,596 |
| Core capital (leverage) ratio | 10.1628% | 3,332 |
| Tier 1 risk-based capital ratio | 14.9276% | 3,750 |
| Total risk-based capital ratio | 15.3349% | 4,216 |
| Memoranda: | ||
| Average total assets | $204,326,500 | 3,009 |
| Average earning assets | $178,648,000 | 3,116 |
| Average equity | $25,358,000 | 2,617 |
| Average total loans | $130,195,000 | 2,875 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5848% | 6,744 |
| Cost of funding earning assets | 0.0577% | 6,744 |
| Net interest margin | 1.5271% | 6,722 |
| Noninterest income to average assets | 0.2720% | 5,407 |
| Noninterest expense to average assets | 1.1617% | 6,723 |
| Loan and lease loss provision to assets | 0.0467% | 4,189 |
| Net operating income to assets | 0.4246% | 5,058 |
| Return on assets (ROA) | 0.4428% | 5,109 |
| Pretax return on assets | 0.4428% | 5,382 |
| Return on Equity (ROE) | 4.0749% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.0749% | 3,282 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5315% | 4,092 |
| Assets per employee ($millions) | 3.0997% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0687% | 6,736 |
| Loan loss allowance to noncurrent loans | 3.0907% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7362% | 2,131 |
| Noncurrent loans to loans | 2.2227% | 1,749 |
| Net loans and leases to total assets | 63.9937% | 3,047 |
| Net loans and leases to deposits | 75.8603% | 2,983 |
| Net loans and leases to core deposits | 88.0992% | 2,237 |
| Total domestic deposits to total assets | 84.3573% | 4,032 |
| Equity capital to assets | 12.3535% | 1,592 |
| Core capital (leverage) ratio | 10.2400% | 3,232 |
| Tier 1 risk-based capital ratio | 14.8183% | 3,771 |
| Total risk-based capital ratio | 14.8856% | 4,508 |
| Memoranda: | ||
| Average total assets | $192,644,600 | 3,115 |
| Average earning assets | $171,697,800 | 3,196 |
| Average equity | $20,933,200 | 3,052 |
| Average total loans | $130,384,800 | 2,861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1570% | 6,883 |
| Cost of funding earning assets | 0.0149% | 6,856 |
| Net interest margin | 0.1421% | 6,881 |
| Noninterest income to average assets | 0.0204% | 6,695 |
| Noninterest expense to average assets | 0.1132% | 6,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0344% | 6,248 |
| Return on assets (ROA) | 0.0344% | 6,300 |
| Pretax return on assets | 0.0344% | 6,279 |
| Return on Equity (ROE) | 0.3291% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.3291% | 5,835 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 2,619 |
| Assets per employee ($millions) | 2.7877% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4328% | 1,593 |
| Noncurrent loans to loans | 3.2389% | 1,212 |
| Net loans and leases to total assets | 67.3449% | 2,405 |
| Net loans and leases to deposits | 80.2363% | 2,377 |
| Net loans and leases to core deposits | 88.7939% | 2,102 |
| Total domestic deposits to total assets | 83.9333% | 4,213 |
| Equity capital to assets | 12.1851% | 1,798 |
| Core capital (leverage) ratio | 10.3397% | 3,183 |
| Tier 1 risk-based capital ratio | 14.0367% | 4,396 |
| Total risk-based capital ratio | 14.0367% | 5,204 |
| Memoranda: | ||
| Average total assets | $189,660,500 | 3,188 |
| Average earning assets | $169,822,750 | 3,246 |
| Average equity | $19,848,250 | 3,205 |
| Average total loans | $130,228,750 | 2,876 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 349 |
| Cost of funding earning assets | 0.2781% | 5,998 |
| Net interest margin | 5.2711% | 195 |
| Noninterest income to average assets | 1.0539% | 1,371 |
| Noninterest expense to average assets | 4.2296% | 675 |
| Loan and lease loss provision to assets | 0.1656% | 2,255 |
| Net operating income to assets | 1.4292% | 1,020 |
| Return on assets (ROA) | 1.4292% | 1,108 |
| Pretax return on assets | 1.4292% | 1,838 |
| Return on Equity (ROE) | 14.5151% | 905 |
| Retained earnings to average equity (ytd only) | 7.4377% | 1,696 |
| Net charge-offs to loans | 0.0778% | 3,604 |
| Credit loss provision to net charge-offs | 308.0000% | 834 |
| Earnings coverage of net charge-offs (x) | 29.6600% | 1,156 |
| Efficiency ratio | 72.6182% | 3,368 |
| Assets per employee ($millions) | 2.5821% | 6,412 |
| Cash dividends to net income (ytd only)* | 48.7585% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 3,893 |
| Loan loss allowance to noncurrent loans | 84.5083% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 2,672 |
| Noncurrent loans to loans | 1.6922% | 2,775 |
| Net loans and leases to total assets | 71.0136% | 1,717 |
| Net loans and leases to deposits | 82.3112% | 2,021 |
| Net loans and leases to core deposits | 92.3948% | 1,667 |
| Total domestic deposits to total assets | 86.2744% | 3,218 |
| Equity capital to assets | 9.7663% | 4,219 |
| Core capital (leverage) ratio | 9.8655% | 3,693 |
| Tier 1 risk-based capital ratio | 13.7658% | 4,592 |
| Total risk-based capital ratio | 15.0189% | 4,564 |
| Memoranda: | ||
| Average total assets | $185,976,330 | 3,257 |
| Average earning assets | $168,313,330 | 3,279 |
| Average equity | $18,312,000 | 3,420 |
| Average total loans | $128,581,670 | 2,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 359 |
| Cost of funding earning assets | 0.2829% | 6,086 |
| Net interest margin | 5.2376% | 186 |
| Noninterest income to average assets | 0.8532% | 1,920 |
| Noninterest expense to average assets | 4.1642% | 743 |
| Loan and lease loss provision to assets | 0.1667% | 2,195 |
| Net operating income to assets | 1.2538% | 1,395 |
| Return on assets (ROA) | 1.2538% | 1,494 |
| Pretax return on assets | 1.2538% | 2,398 |
| Return on Equity (ROE) | 12.6810% | 1,247 |
| Retained earnings to average equity (ytd only) | 8.7168% | 1,482 |
| Net charge-offs to loans | -0.2593% | 6,740 |
| Credit loss provision to net charge-offs | -95.0617% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5638% | 3,164 |
| Assets per employee ($millions) | 2.3686% | 6,681 |
| Cash dividends to net income (ytd only)* | 31.2608% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 3,486 |
| Loan loss allowance to noncurrent loans | 58.5337% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 2.6378% | 1,723 |
| Noncurrent loans to loans | 2.6989% | 1,897 |
| Net loans and leases to total assets | 68.1799% | 1,974 |
| Net loans and leases to deposits | 76.5207% | 2,552 |
| Net loans and leases to core deposits | 86.0339% | 2,102 |
| Total domestic deposits to total assets | 89.1000% | 1,628 |
| Equity capital to assets | 10.1116% | 4,001 |
| Core capital (leverage) ratio | 9.6910% | 3,805 |
| Tier 1 risk-based capital ratio | 14.7306% | 4,009 |
| Total risk-based capital ratio | 15.9854% | 3,978 |
| Memoranda: | ||
| Average total assets | $184,717,000 | 3,298 |
| Average earning assets | $166,870,500 | 3,326 |
| Average equity | $18,263,500 | 3,487 |
| Average total loans | $124,973,000 | 2,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 360 |
| Cost of funding earning assets | 0.3425% | 6,260 |
| Net interest margin | 5.4640% | 179 |
| Noninterest income to average assets | 1.4331% | 764 |
| Noninterest expense to average assets | 4.4403% | 608 |
| Loan and lease loss provision to assets | 0.0557% | 5,097 |
| Net operating income to assets | 1.8361% | 484 |
| Return on assets (ROA) | 1.8461% | 531 |
| Pretax return on assets | 1.8461% | 840 |
| Return on Equity (ROE) | 18.8595% | 368 |
| Retained earnings to average equity (ytd only) | 7.0666% | 1,537 |
| Net charge-offs to loans | 0.1920% | 3,837 |
| Credit loss provision to net charge-offs | 41.8410% | 4,898 |
| Earnings coverage of net charge-offs (x) | 14.2008% | 1,754 |
| Efficiency ratio | 70.1232% | 3,790 |
| Assets per employee ($millions) | 2.3981% | 6,710 |
| Cash dividends to net income (ytd only)* | 62.5302% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,802 |
| Loan loss allowance to noncurrent loans | 44.3319% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 1,621 |
| Noncurrent loans to loans | 3.3544% | 1,514 |
| Net loans and leases to total assets | 65.0963% | 2,695 |
| Net loans and leases to deposits | 72.6157% | 3,312 |
| Net loans and leases to core deposits | 86.7448% | 2,224 |
| Total domestic deposits to total assets | 89.6450% | 1,160 |
| Equity capital to assets | 9.6686% | 4,637 |
| Core capital (leverage) ratio | 9.6253% | 3,923 |
| Tier 1 risk-based capital ratio | 14.5743% | 3,976 |
| Total risk-based capital ratio | 15.8283% | 3,932 |
| Memoranda: | ||
| Average total assets | $179,403,800 | 3,324 |
| Average earning assets | $160,853,400 | 3,366 |
| Average equity | $17,561,400 | 3,526 |
| Average total loans | $124,477,600 | 2,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8684% | 355 |
| Cost of funding earning assets | 0.3613% | 6,324 |
| Net interest margin | 5.5072% | 172 |
| Noninterest income to average assets | 1.4881% | 676 |
| Noninterest expense to average assets | 4.4756% | 550 |
| Loan and lease loss provision to assets | 0.0751% | 4,718 |
| Net operating income to assets | 1.8614% | 505 |
| Return on assets (ROA) | 1.8750% | 562 |
| Pretax return on assets | 1.8750% | 915 |
| Return on Equity (ROE) | 19.0925% | 389 |
| Retained earnings to average equity (ytd only) | 7.8863% | 1,666 |
| Net charge-offs to loans | -0.0107% | 6,374 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7985% | 3,730 |
| Assets per employee ($millions) | 2.2937% | 6,865 |
| Cash dividends to net income (ytd only)* | 58.6937% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,316 |
| Loan loss allowance to noncurrent loans | 44.6704% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.4453% | 1,459 |
| Noncurrent loans to loans | 3.7028% | 1,437 |
| Net loans and leases to total assets | 70.2578% | 1,862 |
| Net loans and leases to deposits | 79.3295% | 2,497 |
| Net loans and leases to core deposits | 86.4996% | 2,399 |
| Total domestic deposits to total assets | 88.5646% | 1,683 |
| Equity capital to assets | 10.1660% | 4,250 |
| Core capital (leverage) ratio | 9.7453% | 3,879 |
| Tier 1 risk-based capital ratio | 14.3181% | 4,317 |
| Total risk-based capital ratio | 15.5746% | 4,281 |
| Memoranda: | ||
| Average total assets | $177,492,500 | 3,387 |
| Average earning assets | $158,698,000 | 3,433 |
| Average equity | $17,430,500 | 3,582 |
| Average total loans | $124,697,000 | 3,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8643% | 367 |
| Cost of funding earning assets | 0.3694% | 6,420 |
| Net interest margin | 5.4949% | 183 |
| Noninterest income to average assets | 1.2082% | 982 |
| Noninterest expense to average assets | 4.3761% | 605 |
| Loan and lease loss provision to assets | 0.1125% | 4,122 |
| Net operating income to assets | 1.6233% | 804 |
| Return on assets (ROA) | 1.6233% | 894 |
| Pretax return on assets | 1.6233% | 1,481 |
| Return on Equity (ROE) | 16.7249% | 676 |
| Retained earnings to average equity (ytd only) | 8.2408% | 1,556 |
| Net charge-offs to loans | 0.0081% | 5,361 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 308.6000% | 132 |
| Efficiency ratio | 71.5995% | 3,497 |
| Assets per employee ($millions) | 2.2725% | 6,932 |
| Cash dividends to net income (ytd only)* | 50.7277% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 3,456 |
| Loan loss allowance to noncurrent loans | 46.3224% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 3.4940% | 1,526 |
| Noncurrent loans to loans | 3.5433% | 1,618 |
| Net loans and leases to total assets | 70.9588% | 1,741 |
| Net loans and leases to deposits | 79.8842% | 2,400 |
| Net loans and leases to core deposits | 87.1257% | 2,301 |
| Total domestic deposits to total assets | 88.8271% | 1,620 |
| Equity capital to assets | 10.0425% | 4,271 |
| Core capital (leverage) ratio | 9.5410% | 4,090 |
| Tier 1 risk-based capital ratio | 13.8443% | 4,561 |
| Total risk-based capital ratio | 15.0997% | 4,534 |
| Memoranda: | ||
| Average total assets | $177,784,000 | 3,394 |
| Average earning assets | $158,656,000 | 3,453 |
| Average equity | $17,255,670 | 3,605 |
| Average total loans | $124,204,330 | 3,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8055% | 420 |
| Cost of funding earning assets | 0.3755% | 6,526 |
| Net interest margin | 5.4300% | 206 |
| Noninterest income to average assets | 1.2122% | 974 |
| Noninterest expense to average assets | 4.2951% | 669 |
| Loan and lease loss provision to assets | 0.2232% | 2,716 |
| Net operating income to assets | 1.5359% | 964 |
| Return on assets (ROA) | 1.5359% | 1,084 |
| Pretax return on assets | 1.5359% | 1,778 |
| Return on Equity (ROE) | 16.0964% | 792 |
| Retained earnings to average equity (ytd only) | 11.3002% | 965 |
| Net charge-offs to loans | -0.0455% | 6,499 |
| Credit loss provision to net charge-offs | -714.2857% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9440% | 3,633 |
| Assets per employee ($millions) | 2.3801% | 6,938 |
| Cash dividends to net income (ytd only)* | 29.7965% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,386 |
| Loan loss allowance to noncurrent loans | 46.2304% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 3.8122% | 1,463 |
| Noncurrent loans to loans | 3.6538% | 1,696 |
| Net loans and leases to total assets | 68.1751% | 2,078 |
| Net loans and leases to deposits | 76.5820% | 2,714 |
| Net loans and leases to core deposits | 84.4685% | 2,488 |
| Total domestic deposits to total assets | 89.0223% | 1,686 |
| Equity capital to assets | 9.7043% | 4,513 |
| Core capital (leverage) ratio | 9.3082% | 4,352 |
| Tier 1 risk-based capital ratio | 13.8666% | 4,557 |
| Total risk-based capital ratio | 15.1230% | 4,531 |
| Memoranda: | ||
| Average total assets | $179,183,000 | 3,394 |
| Average earning assets | $159,778,500 | 3,440 |
| Average equity | $17,097,000 | 3,632 |
| Average total loans | $123,186,500 | 3,079 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8473% | 576 |
| Cost of funding earning assets | 0.5879% | 6,149 |
| Net interest margin | 5.2594% | 259 |
| Noninterest income to average assets | 1.1455% | 998 |
| Noninterest expense to average assets | 4.3112% | 710 |
| Loan and lease loss provision to assets | 0.5451% | 1,918 |
| Net operating income to assets | 1.1002% | 1,834 |
| Return on assets (ROA) | 1.1058% | 1,924 |
| Pretax return on assets | 1.1058% | 2,813 |
| Return on Equity (ROE) | 11.9292% | 1,422 |
| Retained earnings to average equity (ytd only) | 2.1311% | 4,698 |
| Net charge-offs to loans | 0.4625% | 3,137 |
| Credit loss provision to net charge-offs | 163.9731% | 1,668 |
| Earnings coverage of net charge-offs (x) | 4.9495% | 2,932 |
| Efficiency ratio | 72.3788% | 3,504 |
| Assets per employee ($millions) | 2.3059% | 7,010 |
| Cash dividends to net income (ytd only)* | 82.1356% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,538 |
| Loan loss allowance to noncurrent loans | 57.6217% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.2626% | 1,827 |
| Noncurrent loans to loans | 2.7989% | 2,343 |
| Net loans and leases to total assets | 67.0568% | 2,574 |
| Net loans and leases to deposits | 75.2214% | 3,309 |
| Net loans and leases to core deposits | 90.1957% | 2,102 |
| Total domestic deposits to total assets | 89.1459% | 1,451 |
| Equity capital to assets | 9.3802% | 5,044 |
| Core capital (leverage) ratio | 9.3481% | 4,252 |
| Tier 1 risk-based capital ratio | 14.0480% | 4,294 |
| Total risk-based capital ratio | 15.3040% | 4,240 |
| Memoranda: | ||
| Average total assets | $178,697,000 | 3,354 |
| Average earning assets | $163,459,200 | 3,340 |
| Average equity | $16,564,400 | 3,638 |
| Average total loans | $128,429,000 | 3,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9128% | 546 |
| Cost of funding earning assets | 0.6448% | 6,058 |
| Net interest margin | 5.2680% | 257 |
| Noninterest income to average assets | 1.1225% | 1,047 |
| Noninterest expense to average assets | 4.1985% | 798 |
| Loan and lease loss provision to assets | 0.3512% | 2,765 |
| Net operating income to assets | 1.3960% | 1,160 |
| Return on assets (ROA) | 1.4035% | 1,225 |
| Pretax return on assets | 1.4035% | 1,933 |
| Return on Equity (ROE) | 15.1867% | 811 |
| Retained earnings to average equity (ytd only) | 7.8117% | 1,586 |
| Net charge-offs to loans | -0.1683% | 7,242 |
| Credit loss provision to net charge-offs | -286.5854% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6134% | 3,831 |
| Assets per employee ($millions) | 2.1466% | 7,175 |
| Cash dividends to net income (ytd only)* | 48.5623% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,899 |
| Loan loss allowance to noncurrent loans | 47.0278% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.9108% | 1,579 |
| Noncurrent loans to loans | 3.8556% | 1,736 |
| Net loans and leases to total assets | 71.2413% | 1,859 |
| Net loans and leases to deposits | 80.8712% | 2,547 |
| Net loans and leases to core deposits | 89.6277% | 2,301 |
| Total domestic deposits to total assets | 88.0923% | 1,992 |
| Equity capital to assets | 10.2777% | 3,989 |
| Core capital (leverage) ratio | 9.6990% | 3,850 |
| Tier 1 risk-based capital ratio | 14.4622% | 4,003 |
| Total risk-based capital ratio | 15.7205% | 3,968 |
| Memoranda: | ||
| Average total assets | $178,406,750 | 3,373 |
| Average earning assets | $163,346,500 | 3,363 |
| Average equity | $16,487,750 | 3,662 |
| Average total loans | $129,890,250 | 3,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8106% | 707 |
| Cost of funding earning assets | 0.6977% | 5,977 |
| Net interest margin | 5.1130% | 326 |
| Noninterest income to average assets | 1.0830% | 1,106 |
| Noninterest expense to average assets | 4.0684% | 948 |
| Loan and lease loss provision to assets | 0.8271% | 1,102 |
| Net operating income to assets | 0.8834% | 2,721 |
| Return on assets (ROA) | 0.8944% | 2,769 |
| Pretax return on assets | 0.8944% | 3,636 |
| Return on Equity (ROE) | 10.0284% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.0296% | 4,353 |
| Net charge-offs to loans | 0.1725% | 4,136 |
| Credit loss provision to net charge-offs | 657.8947% | 477 |
| Earnings coverage of net charge-offs (x) | 13.6053% | 1,535 |
| Efficiency ratio | 70.4008% | 4,033 |
| Assets per employee ($millions) | 2.1532% | 7,212 |
| Cash dividends to net income (ytd only)* | 69.7904% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 3,170 |
| Loan loss allowance to noncurrent loans | 36.3607% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.9187% | 1,647 |
| Noncurrent loans to loans | 4.7992% | 1,372 |
| Net loans and leases to total assets | 73.0251% | 1,590 |
| Net loans and leases to deposits | 82.2128% | 2,421 |
| Net loans and leases to core deposits | 91.5821% | 2,189 |
| Total domestic deposits to total assets | 88.8246% | 1,652 |
| Equity capital to assets | 9.5644% | 4,717 |
| Core capital (leverage) ratio | 9.0445% | 4,652 |
| Tier 1 risk-based capital ratio | 13.4947% | 4,530 |
| Total risk-based capital ratio | 14.7526% | 4,504 |
| Memoranda: | ||
| Average total assets | $181,349,000 | 3,349 |
| Average earning assets | $166,557,000 | 3,327 |
| Average equity | $16,174,000 | 3,703 |
| Average total loans | $132,173,000 | 2,999 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6401% | 991 |
| Cost of funding earning assets | 0.7509% | 5,852 |
| Net interest margin | 4.8892% | 477 |
| Noninterest income to average assets | 1.0264% | 1,250 |
| Noninterest expense to average assets | 4.1744% | 840 |
| Loan and lease loss provision to assets | 1.2910% | 532 |
| Net operating income to assets | 0.0581% | 6,215 |
| Return on assets (ROA) | 0.0775% | 6,206 |
| Pretax return on assets | 0.0775% | 6,219 |
| Return on Equity (ROE) | 0.8987% | 6,162 |
| Retained earnings to average equity (ytd only) | -1.9971% | 6,144 |
| Net charge-offs to loans | 0.1967% | 3,323 |
| Credit loss provision to net charge-offs | 909.0909% | 414 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,714 |
| Efficiency ratio | 75.5746% | 3,230 |
| Assets per employee ($millions) | 2.3727% | 7,122 |
| Cash dividends to net income (ytd only)* | 322.2222% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,713 |
| Loan loss allowance to noncurrent loans | 32.0210% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.1397% | 1,599 |
| Noncurrent loans to loans | 5.0058% | 1,347 |
| Net loans and leases to total assets | 72.5440% | 1,603 |
| Net loans and leases to deposits | 81.2566% | 2,484 |
| Net loans and leases to core deposits | 92.4847% | 2,069 |
| Total domestic deposits to total assets | 89.2777% | 1,596 |
| Equity capital to assets | 8.9017% | 5,340 |
| Core capital (leverage) ratio | 8.5287% | 5,392 |
| Tier 1 risk-based capital ratio | 12.7775% | 4,992 |
| Total risk-based capital ratio | 14.0335% | 4,963 |
| Memoranda: | ||
| Average total assets | $185,897,000 | 3,298 |
| Average earning assets | $170,989,500 | 3,289 |
| Average equity | $16,023,500 | 3,724 |
| Average total loans | $134,248,500 | 3,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4145% | 371 |
| Cost of funding earning assets | 1.0662% | 5,336 |
| Net interest margin | 5.3484% | 220 |
| Noninterest income to average assets | 1.2443% | 967 |
| Noninterest expense to average assets | 4.2929% | 815 |
| Loan and lease loss provision to assets | 0.7466% | 2,201 |
| Net operating income to assets | 1.0986% | 1,704 |
| Return on assets (ROA) | 1.0986% | 1,790 |
| Pretax return on assets | 1.0986% | 2,585 |
| Return on Equity (ROE) | 12.1826% | 1,283 |
| Retained earnings to average equity (ytd only) | -1.6521% | 5,912 |
| Net charge-offs to loans | 0.7493% | 2,766 |
| Credit loss provision to net charge-offs | 132.0000% | 2,983 |
| Earnings coverage of net charge-offs (x) | 3.2624% | 3,446 |
| Efficiency ratio | 69.9389% | 4,194 |
| Assets per employee ($millions) | 2.4237% | 7,104 |
| Cash dividends to net income (ytd only)* | 113.5610% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,609 |
| Loan loss allowance to noncurrent loans | 36.7525% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 2,835 |
| Noncurrent loans to loans | 3.2076% | 2,368 |
| Net loans and leases to total assets | 69.9607% | 2,541 |
| Net loans and leases to deposits | 77.9871% | 3,512 |
| Net loans and leases to core deposits | 92.1348% | 2,487 |
| Total domestic deposits to total assets | 89.7080% | 1,262 |
| Equity capital to assets | 8.3538% | 6,069 |
| Core capital (leverage) ratio | 8.6582% | 5,093 |
| Tier 1 risk-based capital ratio | 12.5509% | 4,976 |
| Total risk-based capital ratio | 13.8088% | 4,957 |
| Memoranda: | ||
| Average total assets | $181,228,600 | 3,357 |
| Average earning assets | $165,826,400 | 3,352 |
| Average equity | $16,343,000 | 3,699 |
| Average total loans | $136,798,000 | 3,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5660% | 304 |
| Cost of funding earning assets | 1.1254% | 5,282 |
| Net interest margin | 5.4406% | 194 |
| Noninterest income to average assets | 1.2291% | 919 |
| Noninterest expense to average assets | 4.3819% | 675 |
| Loan and lease loss provision to assets | 0.7858% | 1,943 |
| Net operating income to assets | 1.0253% | 2,152 |
| Return on assets (ROA) | 1.0253% | 2,260 |
| Pretax return on assets | 1.0253% | 3,088 |
| Return on Equity (ROE) | 11.1500% | 1,735 |
| Retained earnings to average equity (ytd only) | -0.6735% | 5,962 |
| Net charge-offs to loans | 0.0165% | 6,448 |
| Credit loss provision to net charge-offs | 6,194.1176% | 43 |
| Earnings coverage of net charge-offs (x) | 142.7402% | 222 |
| Efficiency ratio | 70.7555% | 3,928 |
| Assets per employee ($millions) | 2.2198% | 7,369 |
| Cash dividends to net income (ytd only)* | 106.0411% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 3,207 |
| Loan loss allowance to noncurrent loans | 86.1412% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 3,997 |
| Noncurrent loans to loans | 1.9542% | 3,741 |
| Net loans and leases to total assets | 75.8421% | 1,441 |
| Net loans and leases to deposits | 85.7596% | 2,396 |
| Net loans and leases to core deposits | 97.9555% | 2,048 |
| Total domestic deposits to total assets | 88.4358% | 1,707 |
| Equity capital to assets | 9.2645% | 5,199 |
| Core capital (leverage) ratio | 8.8975% | 4,852 |
| Tier 1 risk-based capital ratio | 12.6557% | 4,849 |
| Total risk-based capital ratio | 13.9099% | 4,831 |
| Memoranda: | ||
| Average total assets | $178,668,500 | 3,440 |
| Average earning assets | $163,018,500 | 3,440 |
| Average equity | $16,430,000 | 3,735 |
| Average total loans | $137,109,750 | 3,033 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5122% | 334 |
| Cost of funding earning assets | 1.1536% | 5,381 |
| Net interest margin | 5.3586% | 221 |
| Noninterest income to average assets | 1.2255% | 862 |
| Noninterest expense to average assets | 4.3434% | 687 |
| Loan and lease loss provision to assets | 0.7842% | 1,833 |
| Net operating income to assets | 0.9808% | 2,261 |
| Return on assets (ROA) | 0.9808% | 2,348 |
| Pretax return on assets | 0.9808% | 3,201 |
| Return on Equity (ROE) | 10.6925% | 1,862 |
| Retained earnings to average equity (ytd only) | -2.2043% | 6,180 |
| Net charge-offs to loans | -0.0248% | 7,317 |
| Credit loss provision to net charge-offs | -4,129.4118% | 7,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1046% | 3,969 |
| Assets per employee ($millions) | 2.2996% | 7,351 |
| Cash dividends to net income (ytd only)* | 120.6150% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 4,088 |
| Loan loss allowance to noncurrent loans | 68.9799% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.7745% | 3,795 |
| Noncurrent loans to loans | 2.1255% | 3,559 |
| Net loans and leases to total assets | 75.4545% | 1,604 |
| Net loans and leases to deposits | 86.0890% | 2,490 |
| Net loans and leases to core deposits | 97.9552% | 2,236 |
| Total domestic deposits to total assets | 87.6470% | 2,183 |
| Equity capital to assets | 9.2016% | 5,143 |
| Core capital (leverage) ratio | 8.9024% | 4,748 |
| Tier 1 risk-based capital ratio | 12.7212% | 4,669 |
| Total risk-based capital ratio | 13.9824% | 4,625 |
| Memoranda: | ||
| Average total assets | $179,030,670 | 3,453 |
| Average earning assets | $163,140,670 | 3,461 |
| Average equity | $16,422,670 | 3,733 |
| Average total loans | $137,150,330 | 3,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4885% | 361 |
| Cost of funding earning assets | 1.1697% | 5,557 |
| Net interest margin | 5.3188% | 236 |
| Noninterest income to average assets | 1.1266% | 983 |
| Noninterest expense to average assets | 4.2730% | 740 |
| Loan and lease loss provision to assets | 0.7799% | 1,618 |
| Net operating income to assets | 0.9133% | 2,496 |
| Return on assets (ROA) | 0.9133% | 2,563 |
| Pretax return on assets | 0.9133% | 3,418 |
| Return on Equity (ROE) | 9.9712% | 2,116 |
| Retained earnings to average equity (ytd only) | 2.7900% | 4,460 |
| Net charge-offs to loans | 0.0783% | 4,637 |
| Credit loss provision to net charge-offs | 1,300.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 28.2222% | 913 |
| Efficiency ratio | 71.6201% | 3,995 |
| Assets per employee ($millions) | 2.3427% | 7,399 |
| Cash dividends to net income (ytd only)* | 72.0195% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,676 |
| Loan loss allowance to noncurrent loans | 83.5782% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 4,158 |
| Noncurrent loans to loans | 1.3962% | 4,638 |
| Net loans and leases to total assets | 74.7923% | 1,789 |
| Net loans and leases to deposits | 86.4930% | 2,504 |
| Net loans and leases to core deposits | 96.7223% | 2,499 |
| Total domestic deposits to total assets | 86.4720% | 2,910 |
| Equity capital to assets | 9.1840% | 5,008 |
| Core capital (leverage) ratio | 9.1096% | 4,358 |
| Tier 1 risk-based capital ratio | 11.4294% | 5,734 |
| Total risk-based capital ratio | 12.5638% | 5,807 |
| Memoranda: | ||
| Average total assets | $180,012,500 | 3,498 |
| Average earning assets | $163,796,500 | 3,498 |
| Average equity | $16,487,500 | 3,754 |
| Average total loans | $137,929,000 | 3,110 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8687% | 338 |
| Cost of funding earning assets | 1.4826% | 5,583 |
| Net interest margin | 5.3861% | 213 |
| Noninterest income to average assets | 1.7057% | 497 |
| Noninterest expense to average assets | 4.1044% | 1,226 |
| Loan and lease loss provision to assets | 1.0749% | 2,132 |
| Net operating income to assets | 1.4135% | 826 |
| Return on assets (ROA) | 1.4326% | 854 |
| Pretax return on assets | 1.4326% | 1,355 |
| Return on Equity (ROE) | 15.6707% | 585 |
| Retained earnings to average equity (ytd only) | 3.0243% | 3,051 |
| Net charge-offs to loans | 1.6956% | 1,485 |
| Credit loss provision to net charge-offs | 79.3750% | 6,296 |
| Earnings coverage of net charge-offs (x) | 1.8375% | 4,347 |
| Efficiency ratio | 62.2561% | 6,115 |
| Assets per employee ($millions) | 2.3329% | 7,439 |
| Cash dividends to net income (ytd only)* | 80.7011% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,768 |
| Loan loss allowance to noncurrent loans | 36.2675% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 2,664 |
| Noncurrent loans to loans | 2.5110% | 3,033 |
| Net loans and leases to total assets | 76.8660% | 1,614 |
| Net loans and leases to deposits | 89.1626% | 2,364 |
| Net loans and leases to core deposits | 118.1910% | 2,106 |
| Total domestic deposits to total assets | 86.2088% | 2,905 |
| Equity capital to assets | 9.1340% | 4,936 |
| Core capital (leverage) ratio | 9.3156% | 3,953 |
| Tier 1 risk-based capital ratio | 11.3416% | 5,576 |
| Total risk-based capital ratio | 12.2448% | 5,887 |
| Memoranda: | ||
| Average total assets | $177,224,600 | 3,481 |
| Average earning assets | $160,802,400 | 3,502 |
| Average equity | $16,202,200 | 3,836 |
| Average total loans | $141,545,400 | 3,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9491% | 326 |
| Cost of funding earning assets | 1.5552% | 5,608 |
| Net interest margin | 5.3940% | 216 |
| Noninterest income to average assets | 1.8178% | 446 |
| Noninterest expense to average assets | 4.1277% | 1,105 |
| Loan and lease loss provision to assets | 0.9066% | 2,119 |
| Net operating income to assets | 1.6743% | 587 |
| Return on assets (ROA) | 1.6766% | 625 |
| Pretax return on assets | 1.6766% | 1,018 |
| Return on Equity (ROE) | 18.3351% | 425 |
| Retained earnings to average equity (ytd only) | 4.1772% | 2,943 |
| Net charge-offs to loans | 1.4384% | 1,436 |
| Credit loss provision to net charge-offs | 78.3431% | 5,805 |
| Earnings coverage of net charge-offs (x) | 2.2303% | 4,147 |
| Efficiency ratio | 61.5281% | 6,189 |
| Assets per employee ($millions) | 2.2259% | 7,589 |
| Cash dividends to net income (ytd only)* | 77.2175% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,124 |
| Loan loss allowance to noncurrent loans | 39.7667% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 3.0017% | 2,312 |
| Noncurrent loans to loans | 2.5809% | 2,926 |
| Net loans and leases to total assets | 81.6302% | 877 |
| Net loans and leases to deposits | 94.7029% | 1,766 |
| Net loans and leases to core deposits | 123.8247% | 1,915 |
| Total domestic deposits to total assets | 86.1961% | 2,590 |
| Equity capital to assets | 9.7205% | 4,471 |
| Core capital (leverage) ratio | 9.3986% | 4,048 |
| Tier 1 risk-based capital ratio | 11.1666% | 5,797 |
| Total risk-based capital ratio | 12.1690% | 5,988 |
| Memoranda: | ||
| Average total assets | $176,621,750 | 3,514 |
| Average earning assets | $160,150,500 | 3,545 |
| Average equity | $16,150,750 | 3,878 |
| Average total loans | $142,094,750 | 3,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9081% | 378 |
| Cost of funding earning assets | 1.6049% | 5,726 |
| Net interest margin | 5.3033% | 243 |
| Noninterest income to average assets | 2.1250% | 333 |
| Noninterest expense to average assets | 4.2120% | 1,056 |
| Loan and lease loss provision to assets | 0.8944% | 1,890 |
| Net operating income to assets | 1.8302% | 432 |
| Return on assets (ROA) | 1.8336% | 465 |
| Pretax return on assets | 1.8336% | 798 |
| Return on Equity (ROE) | 20.4572% | 307 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,131 |
| Net charge-offs to loans | 0.5722% | 2,613 |
| Credit loss provision to net charge-offs | 195.8435% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.9658% | 2,717 |
| Efficiency ratio | 60.7212% | 6,444 |
| Assets per employee ($millions) | 2.2514% | 7,621 |
| Cash dividends to net income (ytd only)* | 89.3423% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 3,146 |
| Loan loss allowance to noncurrent loans | 48.9777% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.9947% | 2,125 |
| Noncurrent loans to loans | 3.0780% | 2,331 |
| Net loans and leases to total assets | 82.3236% | 895 |
| Net loans and leases to deposits | 94.2383% | 2,054 |
| Net loans and leases to core deposits | 122.8836% | 2,123 |
| Total domestic deposits to total assets | 87.3568% | 2,068 |
| Equity capital to assets | 9.3423% | 4,811 |
| Core capital (leverage) ratio | 8.7764% | 4,971 |
| Tier 1 risk-based capital ratio | 10.8117% | 6,071 |
| Total risk-based capital ratio | 12.0327% | 6,036 |
| Memoranda: | ||
| Average total assets | $179,106,000 | 3,497 |
| Average earning assets | $162,504,000 | 3,517 |
| Average equity | $16,053,000 | 3,913 |
| Average total loans | $142,951,330 | 3,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8664% | 431 |
| Cost of funding earning assets | 1.6339% | 5,891 |
| Net interest margin | 5.2325% | 268 |
| Noninterest income to average assets | 1.1097% | 1,203 |
| Noninterest expense to average assets | 3.9627% | 1,229 |
| Loan and lease loss provision to assets | 0.6554% | 1,929 |
| Net operating income to assets | 1.2277% | 1,574 |
| Return on assets (ROA) | 1.2277% | 1,679 |
| Pretax return on assets | 1.2277% | 2,522 |
| Return on Equity (ROE) | 13.9740% | 1,174 |
| Retained earnings to average equity (ytd only) | 9.6973% | 1,277 |
| Net charge-offs to loans | 0.0112% | 5,466 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 215.5000% | 195 |
| Efficiency ratio | 67.7877% | 5,006 |
| Assets per employee ($millions) | 2.3450% | 7,535 |
| Cash dividends to net income (ytd only)* | 30.6050% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,294 |
| Loan loss allowance to noncurrent loans | 133.2471% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 4,460 |
| Noncurrent loans to loans | 1.0801% | 4,820 |
| Net loans and leases to total assets | 78.1324% | 1,789 |
| Net loans and leases to deposits | 89.4825% | 3,014 |
| Net loans and leases to core deposits | 119.2825% | 2,478 |
| Total domestic deposits to total assets | 87.3159% | 2,059 |
| Equity capital to assets | 9.0306% | 5,319 |
| Core capital (leverage) ratio | 8.7267% | 5,107 |
| Tier 1 risk-based capital ratio | 11.3302% | 5,570 |
| Total risk-based capital ratio | 12.5845% | 5,476 |
| Memoranda: | ||
| Average total assets | $183,107,000 | 3,460 |
| Average earning assets | $165,734,500 | 3,479 |
| Average equity | $16,087,000 | 3,929 |
| Average total loans | $142,919,500 | 3,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7027% | 275 |
| Cost of funding earning assets | 2.3328% | 4,996 |
| Net interest margin | 5.3699% | 250 |
| Noninterest income to average assets | 1.3107% | 849 |
| Noninterest expense to average assets | 4.1209% | 1,247 |
| Loan and lease loss provision to assets | 0.4014% | 3,279 |
| Net operating income to assets | 1.5768% | 870 |
| Return on assets (ROA) | 1.5768% | 838 |
| Pretax return on assets | 1.5768% | 1,452 |
| Return on Equity (ROE) | 19.0560% | 450 |
| Retained earnings to average equity (ytd only) | 3.8698% | 2,719 |
| Net charge-offs to loans | 0.5486% | 2,181 |
| Credit loss provision to net charge-offs | 87.4693% | 5,736 |
| Earnings coverage of net charge-offs (x) | 4.3108% | 4,032 |
| Efficiency ratio | 67.5663% | 4,806 |
| Assets per employee ($millions) | 2.3801% | 7,432 |
| Cash dividends to net income (ytd only)* | 79.6925% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 4,264 |
| Loan loss allowance to noncurrent loans | 157.9230% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 4,802 |
| Noncurrent loans to loans | 0.7828% | 5,080 |
| Net loans and leases to total assets | 75.9149% | 2,649 |
| Net loans and leases to deposits | 87.1832% | 3,914 |
| Net loans and leases to core deposits | 112.7930% | 3,471 |
| Total domestic deposits to total assets | 87.0751% | 1,902 |
| Equity capital to assets | 8.5473% | 6,015 |
| Core capital (leverage) ratio | 8.5647% | 5,457 |
| Tier 1 risk-based capital ratio | 10.6573% | 6,041 |
| Total risk-based capital ratio | 11.8747% | 5,971 |
| Memoranda: | ||
| Average total assets | $177,389,400 | 3,442 |
| Average earning assets | $158,177,600 | 3,504 |
| Average equity | $14,677,800 | 4,201 |
| Average total loans | $148,387,200 | 2,958 |