Home > Founders Bank & Trust > Performance and Condition Ratios
Founders Bank & Trust, Performance and Condition Ratios
| 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 | 4.1087% | 3,293 |
| Cost of funding earning assets | 0.4978% | 2,699 |
| Net interest margin | 3.6110% | 3,374 |
| Noninterest income to average assets | 1.2588% | 762 |
| Noninterest expense to average assets | 3.3023% | 1,927 |
| Loan and lease loss provision to assets | 0.0387% | 3,797 |
| Net operating income to assets | 1.0037% | 2,362 |
| Return on assets (ROA) | 1.0061% | 2,437 |
| Pretax return on assets | 1.2938% | 2,260 |
| Return on Equity (ROE) | 11.1234% | 1,684 |
| Retained earnings to average equity (ytd only) | -3.6618% | 6,125 |
| Net charge-offs to loans | 0.0259% | 4,304 |
| Credit loss provision to net charge-offs | 197.8022% | 1,248 |
| Earnings coverage of net charge-offs (x) | 67.9341% | 722 |
| Efficiency ratio | 71.2959% | 3,328 |
| Assets per employee ($millions) | 4.6930% | 2,736 |
| Cash dividends to net income (ytd only)* | 132.9201% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 4,331 |
| Loan loss allowance to noncurrent loans | 223.7683% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 3,782 |
| Noncurrent loans to loans | 0.5097% | 4,137 |
| Net loans and leases to total assets | 77.8922% | 1,013 |
| Net loans and leases to deposits | 95.2581% | 961 |
| Net loans and leases to core deposits | 112.4452% | 672 |
| Total domestic deposits to total assets | 81.7696% | 4,497 |
| Equity capital to assets | 9.2985% | 4,955 |
| Core capital (leverage) ratio | 8.8468% | 5,191 |
| Tier 1 risk-based capital ratio | 12.0320% | 5,343 |
| Total risk-based capital ratio | 13.2276% | 5,277 |
| Memoranda: | ||
| Average total assets | $464,980,200 | 1,438 |
| Average earning assets | $434,342,400 | 1,415 |
| Average equity | $42,055,600 | 1,708 |
| Average total loans | $351,696,600 | 1,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,399 |
| Cost of funding earning assets | 0.5180% | 2,575 |
| Net interest margin | 3.5773% | 3,521 |
| Noninterest income to average assets | 1.2222% | 817 |
| Noninterest expense to average assets | 3.0927% | 2,491 |
| Loan and lease loss provision to assets | 0.0372% | 3,660 |
| Net operating income to assets | 1.0967% | 2,051 |
| Return on assets (ROA) | 1.0998% | 2,095 |
| Pretax return on assets | 1.4298% | 1,888 |
| Return on Equity (ROE) | 12.2447% | 1,418 |
| Retained earnings to average equity (ytd only) | -5.1991% | 6,265 |
| Net charge-offs to loans | 0.0004% | 4,694 |
| Credit loss provision to net charge-offs | 13,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 5,128.6917% | 5 |
| Efficiency ratio | 67.8865% | 3,878 |
| Assets per employee ($millions) | 4.7739% | 2,556 |
| Cash dividends to net income (ytd only)* | 142.4597% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 4,469 |
| Loan loss allowance to noncurrent loans | 212.5828% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 4,054 |
| Noncurrent loans to loans | 0.5440% | 4,291 |
| Net loans and leases to total assets | 74.7089% | 1,409 |
| Net loans and leases to deposits | 91.0340% | 1,324 |
| Net loans and leases to core deposits | 107.1001% | 897 |
| Total domestic deposits to total assets | 82.0670% | 4,457 |
| Equity capital to assets | 8.8064% | 5,544 |
| Core capital (leverage) ratio | 8.7460% | 5,384 |
| Tier 1 risk-based capital ratio | 11.7713% | 5,629 |
| Total risk-based capital ratio | 12.9718% | 5,581 |
| Memoranda: | ||
| Average total assets | $466,246,750 | 1,447 |
| Average earning assets | $434,467,500 | 1,424 |
| Average equity | $41,878,250 | 1,720 |
| Average total loans | $349,028,250 | 1,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,335 |
| Cost of funding earning assets | 0.5237% | 2,600 |
| Net interest margin | 3.5778% | 3,451 |
| Noninterest income to average assets | 1.2384% | 764 |
| Noninterest expense to average assets | 3.1336% | 2,385 |
| Loan and lease loss provision to assets | 0.0476% | 3,358 |
| Net operating income to assets | 1.0740% | 2,026 |
| Return on assets (ROA) | 1.0737% | 2,107 |
| Pretax return on assets | 1.3858% | 1,948 |
| Return on Equity (ROE) | 11.8736% | 1,461 |
| Retained earnings to average equity (ytd only) | -14.3267% | 6,484 |
| Net charge-offs to loans | 0.0174% | 3,875 |
| Credit loss provision to net charge-offs | 366.6667% | 741 |
| Earnings coverage of net charge-offs (x) | 110.5333% | 519 |
| Efficiency ratio | 68.6074% | 3,896 |
| Assets per employee ($millions) | 4.5200% | 2,893 |
| Cash dividends to net income (ytd only)* | 220.6605% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,605 |
| Loan loss allowance to noncurrent loans | 202.8529% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 4,104 |
| Noncurrent loans to loans | 0.5730% | 4,301 |
| Net loans and leases to total assets | 75.3290% | 1,259 |
| Net loans and leases to deposits | 92.5335% | 1,092 |
| Net loans and leases to core deposits | 110.3725% | 683 |
| Total domestic deposits to total assets | 81.4072% | 4,840 |
| Equity capital to assets | 8.7284% | 5,592 |
| Core capital (leverage) ratio | 8.5182% | 5,620 |
| Tier 1 risk-based capital ratio | 11.5886% | 5,753 |
| Total risk-based capital ratio | 12.7988% | 5,726 |
| Memoranda: | ||
| Average total assets | $462,532,670 | 1,453 |
| Average earning assets | $430,377,330 | 1,437 |
| Average equity | $41,824,000 | 1,718 |
| Average total loans | $345,096,000 | 1,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,327 |
| Cost of funding earning assets | 0.5283% | 2,625 |
| Net interest margin | 3.5598% | 3,437 |
| Noninterest income to average assets | 1.2347% | 723 |
| Noninterest expense to average assets | 3.1747% | 2,311 |
| Loan and lease loss provision to assets | 0.0564% | 2,984 |
| Net operating income to assets | 1.0288% | 2,085 |
| Return on assets (ROA) | 1.0282% | 2,164 |
| Pretax return on assets | 1.3119% | 2,056 |
| Return on Equity (ROE) | 11.1745% | 1,630 |
| Retained earnings to average equity (ytd only) | -14.4561% | 6,456 |
| Net charge-offs to loans | -0.0212% | 5,381 |
| Credit loss provision to net charge-offs | -361.1111% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8682% | 3,861 |
| Assets per employee ($millions) | 4.7077% | 2,654 |
| Cash dividends to net income (ytd only)* | 229.3671% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 4,675 |
| Loan loss allowance to noncurrent loans | 189.3988% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 3,601 |
| Noncurrent loans to loans | 0.6289% | 4,292 |
| Net loans and leases to total assets | 73.4571% | 1,357 |
| Net loans and leases to deposits | 90.4364% | 1,098 |
| Net loans and leases to core deposits | 107.9841% | 676 |
| Total domestic deposits to total assets | 81.2252% | 5,173 |
| Equity capital to assets | 8.9675% | 5,150 |
| Core capital (leverage) ratio | 8.9049% | 5,134 |
| Tier 1 risk-based capital ratio | 12.0403% | 5,617 |
| Total risk-based capital ratio | 13.2563% | 5,572 |
| Memoranda: | ||
| Average total assets | $461,018,000 | 1,464 |
| Average earning assets | $428,557,500 | 1,450 |
| Average equity | $42,418,000 | 1,685 |
| Average total loans | $340,230,500 | 1,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,189 |
| Cost of funding earning assets | 0.5966% | 2,692 |
| Net interest margin | 3.6440% | 3,268 |
| Noninterest income to average assets | 1.4191% | 698 |
| Noninterest expense to average assets | 3.0728% | 2,829 |
| Loan and lease loss provision to assets | 0.0558% | 4,031 |
| Net operating income to assets | 1.2909% | 1,272 |
| Return on assets (ROA) | 1.2909% | 1,325 |
| Pretax return on assets | 1.6717% | 1,013 |
| Return on Equity (ROE) | 13.6777% | 1,024 |
| Retained earnings to average equity (ytd only) | 1.5226% | 5,136 |
| Net charge-offs to loans | 0.1427% | 3,374 |
| Credit loss provision to net charge-offs | 53.5714% | 3,736 |
| Earnings coverage of net charge-offs (x) | 16.5924% | 1,791 |
| Efficiency ratio | 64.0133% | 4,893 |
| Assets per employee ($millions) | 4.6528% | 2,651 |
| Cash dividends to net income (ytd only)* | 88.8682% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 4,607 |
| Loan loss allowance to noncurrent loans | 170.1304% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 3,422 |
| Noncurrent loans to loans | 0.7117% | 4,183 |
| Net loans and leases to total assets | 72.3581% | 1,628 |
| Net loans and leases to deposits | 89.6375% | 1,267 |
| Net loans and leases to core deposits | 104.7832% | 868 |
| Total domestic deposits to total assets | 80.7231% | 5,262 |
| Equity capital to assets | 9.4396% | 4,505 |
| Core capital (leverage) ratio | 9.2865% | 4,581 |
| Tier 1 risk-based capital ratio | 12.8138% | 5,108 |
| Total risk-based capital ratio | 14.0378% | 5,067 |
| Memoranda: | ||
| Average total assets | $457,206,000 | 1,453 |
| Average earning assets | $424,232,000 | 1,437 |
| Average equity | $43,150,400 | 1,623 |
| Average total loans | $333,514,800 | 1,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 3,118 |
| Cost of funding earning assets | 0.6066% | 2,757 |
| Net interest margin | 3.6624% | 3,186 |
| Noninterest income to average assets | 1.5501% | 612 |
| Noninterest expense to average assets | 3.0553% | 2,804 |
| Loan and lease loss provision to assets | 0.0452% | 4,110 |
| Net operating income to assets | 1.4236% | 1,047 |
| Return on assets (ROA) | 1.4236% | 1,103 |
| Pretax return on assets | 1.8453% | 817 |
| Return on Equity (ROE) | 15.0846% | 786 |
| Retained earnings to average equity (ytd only) | -0.4385% | 6,032 |
| Net charge-offs to loans | 0.1500% | 3,044 |
| Credit loss provision to net charge-offs | 41.3333% | 3,686 |
| Earnings coverage of net charge-offs (x) | 17.2986% | 1,740 |
| Efficiency ratio | 61.7760% | 5,164 |
| Assets per employee ($millions) | 4.8440% | 2,374 |
| Cash dividends to net income (ytd only)* | 102.9069% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 4,803 |
| Loan loss allowance to noncurrent loans | 193.7261% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8201% | 4,061 |
| Noncurrent loans to loans | 0.6275% | 4,629 |
| Net loans and leases to total assets | 72.1947% | 1,573 |
| Net loans and leases to deposits | 87.7603% | 1,396 |
| Net loans and leases to core deposits | 102.0308% | 992 |
| Total domestic deposits to total assets | 82.2635% | 4,845 |
| Equity capital to assets | 9.2977% | 4,808 |
| Core capital (leverage) ratio | 9.0631% | 5,021 |
| Tier 1 risk-based capital ratio | 12.6688% | 5,348 |
| Total risk-based capital ratio | 13.9035% | 5,305 |
| Memoranda: | ||
| Average total assets | $457,513,750 | 1,455 |
| Average earning assets | $424,195,000 | 1,445 |
| Average equity | $43,177,500 | 1,631 |
| Average total loans | $333,398,750 | 1,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,049 |
| Cost of funding earning assets | 0.6121% | 2,824 |
| Net interest margin | 3.6646% | 3,104 |
| Noninterest income to average assets | 1.5900% | 625 |
| Noninterest expense to average assets | 3.0635% | 2,783 |
| Loan and lease loss provision to assets | 0.0589% | 3,827 |
| Net operating income to assets | 1.4250% | 1,029 |
| Return on assets (ROA) | 1.4250% | 1,117 |
| Pretax return on assets | 1.8671% | 793 |
| Return on Equity (ROE) | 15.0260% | 809 |
| Retained earnings to average equity (ytd only) | -7.1149% | 6,575 |
| Net charge-offs to loans | 0.2074% | 2,519 |
| Credit loss provision to net charge-offs | 39.0173% | 3,436 |
| Earnings coverage of net charge-offs (x) | 12.7543% | 1,954 |
| Efficiency ratio | 61.3978% | 5,263 |
| Assets per employee ($millions) | 5.0278% | 2,079 |
| Cash dividends to net income (ytd only)* | 147.3507% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,010 |
| Loan loss allowance to noncurrent loans | 146.9373% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 3,763 |
| Noncurrent loans to loans | 0.8150% | 4,280 |
| Net loans and leases to total assets | 71.5331% | 1,644 |
| Net loans and leases to deposits | 86.5491% | 1,505 |
| Net loans and leases to core deposits | 101.0318% | 1,001 |
| Total domestic deposits to total assets | 82.6503% | 4,832 |
| Equity capital to assets | 8.8363% | 5,403 |
| Core capital (leverage) ratio | 8.7642% | 5,339 |
| Tier 1 risk-based capital ratio | 12.1592% | 5,707 |
| Total risk-based capital ratio | 13.3897% | 5,656 |
| Memoranda: | ||
| Average total assets | $458,239,000 | 1,451 |
| Average earning assets | $425,097,000 | 1,440 |
| Average equity | $43,458,000 | 1,624 |
| Average total loans | $333,606,670 | 1,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,832 |
| Cost of funding earning assets | 0.6335% | 2,808 |
| Net interest margin | 3.6809% | 2,945 |
| Noninterest income to average assets | 1.5186% | 674 |
| Noninterest expense to average assets | 3.0134% | 2,944 |
| Loan and lease loss provision to assets | 0.0397% | 3,932 |
| Net operating income to assets | 1.4313% | 982 |
| Return on assets (ROA) | 1.4313% | 1,060 |
| Pretax return on assets | 1.8732% | 771 |
| Return on Equity (ROE) | 14.5794% | 847 |
| Retained earnings to average equity (ytd only) | 13.0523% | 555 |
| Net charge-offs to loans | 0.0447% | 3,400 |
| Credit loss provision to net charge-offs | 121.6216% | 1,581 |
| Earnings coverage of net charge-offs (x) | 58.6216% | 605 |
| Efficiency ratio | 61.1708% | 5,426 |
| Assets per employee ($millions) | 4.9975% | 2,213 |
| Cash dividends to net income (ytd only)* | 10.4744% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,689 |
| Loan loss allowance to noncurrent loans | 158.4941% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 3,964 |
| Noncurrent loans to loans | 0.8204% | 4,480 |
| Net loans and leases to total assets | 71.3187% | 1,472 |
| Net loans and leases to deposits | 85.5750% | 1,408 |
| Net loans and leases to core deposits | 101.9556% | 827 |
| Total domestic deposits to total assets | 83.3406% | 4,739 |
| Equity capital to assets | 9.9609% | 4,197 |
| Core capital (leverage) ratio | 9.6653% | 3,830 |
| Tier 1 risk-based capital ratio | 13.2216% | 5,058 |
| Total risk-based capital ratio | 14.4723% | 5,012 |
| Memoranda: | ||
| Average total assets | $453,567,500 | 1,482 |
| Average earning assets | $419,898,500 | 1,472 |
| Average equity | $44,528,500 | 1,609 |
| Average total loans | $331,145,000 | 1,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 2,700 |
| Cost of funding earning assets | 0.8377% | 2,374 |
| Net interest margin | 3.8340% | 3,089 |
| Noninterest income to average assets | 1.6025% | 619 |
| Noninterest expense to average assets | 2.9987% | 3,278 |
| Loan and lease loss provision to assets | 0.1769% | 3,413 |
| Net operating income to assets | 1.4792% | 958 |
| Return on assets (ROA) | 1.4792% | 1,065 |
| Pretax return on assets | 1.9963% | 605 |
| Return on Equity (ROE) | 15.4882% | 734 |
| Retained earnings to average equity (ytd only) | 8.7269% | 903 |
| Net charge-offs to loans | 0.2263% | 3,580 |
| Credit loss provision to net charge-offs | 107.5653% | 2,750 |
| Earnings coverage of net charge-offs (x) | 13.2160% | 1,851 |
| Efficiency ratio | 57.9813% | 5,831 |
| Assets per employee ($millions) | 5.1996% | 1,985 |
| Cash dividends to net income (ytd only)* | 43.6544% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,747 |
| Loan loss allowance to noncurrent loans | 191.3414% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 4,131 |
| Noncurrent loans to loans | 0.6680% | 4,861 |
| Net loans and leases to total assets | 72.8208% | 1,371 |
| Net loans and leases to deposits | 88.1824% | 1,248 |
| Net loans and leases to core deposits | 101.6474% | 910 |
| Total domestic deposits to total assets | 82.5798% | 4,900 |
| Equity capital to assets | 9.6732% | 4,630 |
| Core capital (leverage) ratio | 9.2302% | 4,524 |
| Tier 1 risk-based capital ratio | 12.5827% | 5,411 |
| Total risk-based capital ratio | 13.8334% | 5,363 |
| Memoranda: | ||
| Average total assets | $442,123,600 | 1,489 |
| Average earning assets | $411,607,600 | 1,464 |
| Average equity | $42,225,800 | 1,648 |
| Average total loans | $321,191,200 | 1,311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 2,907 |
| Cost of funding earning assets | 0.8790% | 2,322 |
| Net interest margin | 3.7977% | 3,343 |
| Noninterest income to average assets | 1.7174% | 531 |
| Noninterest expense to average assets | 2.9574% | 3,379 |
| Loan and lease loss provision to assets | 0.1902% | 3,210 |
| Net operating income to assets | 1.5476% | 948 |
| Return on assets (ROA) | 1.5476% | 1,054 |
| Pretax return on assets | 2.1136% | 555 |
| Return on Equity (ROE) | 16.2573% | 704 |
| Retained earnings to average equity (ytd only) | 14.6864% | 256 |
| Net charge-offs to loans | 0.2922% | 2,981 |
| Credit loss provision to net charge-offs | 89.9570% | 3,297 |
| Earnings coverage of net charge-offs (x) | 10.8967% | 2,135 |
| Efficiency ratio | 56.2122% | 6,030 |
| Assets per employee ($millions) | 5.3163% | 1,814 |
| Cash dividends to net income (ytd only)* | 9.6629% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 4,981 |
| Loan loss allowance to noncurrent loans | 157.3546% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 3,945 |
| Noncurrent loans to loans | 0.8032% | 4,802 |
| Net loans and leases to total assets | 72.4228% | 1,481 |
| Net loans and leases to deposits | 89.4901% | 1,208 |
| Net loans and leases to core deposits | 102.4762% | 959 |
| Total domestic deposits to total assets | 80.9283% | 5,384 |
| Equity capital to assets | 10.0042% | 4,487 |
| Core capital (leverage) ratio | 9.6520% | 4,045 |
| Tier 1 risk-based capital ratio | 13.0064% | 5,246 |
| Total risk-based capital ratio | 14.2565% | 5,205 |
| Memoranda: | ||
| Average total assets | $439,563,250 | 1,515 |
| Average earning assets | $410,168,500 | 1,487 |
| Average equity | $41,842,750 | 1,679 |
| Average total loans | $318,068,750 | 1,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 2,849 |
| Cost of funding earning assets | 0.9147% | 2,298 |
| Net interest margin | 3.8028% | 3,347 |
| Noninterest income to average assets | 1.5868% | 589 |
| Noninterest expense to average assets | 3.0369% | 3,134 |
| Loan and lease loss provision to assets | 0.1496% | 3,651 |
| Net operating income to assets | 1.4395% | 1,107 |
| Return on assets (ROA) | 1.4395% | 1,244 |
| Pretax return on assets | 1.9491% | 762 |
| Return on Equity (ROE) | 15.3894% | 869 |
| Retained earnings to average equity (ytd only) | 13.8588% | 359 |
| Net charge-offs to loans | 0.2223% | 3,241 |
| Credit loss provision to net charge-offs | 93.4286% | 2,942 |
| Earnings coverage of net charge-offs (x) | 13.1086% | 1,820 |
| Efficiency ratio | 59.1342% | 5,718 |
| Assets per employee ($millions) | 5.1498% | 1,970 |
| Cash dividends to net income (ytd only)* | 9.9460% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,805 |
| Loan loss allowance to noncurrent loans | 218.4142% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 4,372 |
| Noncurrent loans to loans | 0.6039% | 5,306 |
| Net loans and leases to total assets | 71.5596% | 1,635 |
| Net loans and leases to deposits | 85.0043% | 1,721 |
| Net loans and leases to core deposits | 98.3541% | 1,238 |
| Total domestic deposits to total assets | 84.1835% | 4,240 |
| Equity capital to assets | 9.7523% | 4,692 |
| Core capital (leverage) ratio | 9.3075% | 4,441 |
| Tier 1 risk-based capital ratio | 12.7912% | 5,347 |
| Total risk-based capital ratio | 14.0420% | 5,318 |
| Memoranda: | ||
| Average total assets | $437,227,000 | 1,524 |
| Average earning assets | $408,015,000 | 1,493 |
| Average equity | $40,898,330 | 1,709 |
| Average total loans | $314,905,000 | 1,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 2,899 |
| Cost of funding earning assets | 0.9591% | 2,238 |
| Net interest margin | 3.7793% | 3,485 |
| Noninterest income to average assets | 1.5534% | 601 |
| Noninterest expense to average assets | 3.0373% | 3,128 |
| Loan and lease loss provision to assets | 0.2307% | 2,640 |
| Net operating income to assets | 1.3493% | 1,324 |
| Return on assets (ROA) | 1.3493% | 1,481 |
| Pretax return on assets | 1.8134% | 1,046 |
| Return on Equity (ROE) | 14.7389% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.4090% | 628 |
| Net charge-offs to loans | 0.3698% | 2,201 |
| Credit loss provision to net charge-offs | 86.8966% | 2,607 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,047 |
| Efficiency ratio | 59.7730% | 5,652 |
| Assets per employee ($millions) | 4.9241% | 2,350 |
| Cash dividends to net income (ytd only)* | 9.0231% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,876 |
| Loan loss allowance to noncurrent loans | 190.0683% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 4,429 |
| Noncurrent loans to loans | 0.7006% | 5,260 |
| Net loans and leases to total assets | 69.7549% | 1,798 |
| Net loans and leases to deposits | 82.0685% | 1,929 |
| Net loans and leases to core deposits | 96.2453% | 1,284 |
| Total domestic deposits to total assets | 84.9959% | 4,038 |
| Equity capital to assets | 9.1556% | 5,286 |
| Core capital (leverage) ratio | 9.0264% | 4,798 |
| Tier 1 risk-based capital ratio | 12.4989% | 5,601 |
| Total risk-based capital ratio | 13.7501% | 5,567 |
| Memoranda: | ||
| Average total assets | $436,974,000 | 1,525 |
| Average earning assets | $407,901,500 | 1,488 |
| Average equity | $40,003,000 | 1,737 |
| Average total loans | $313,644,000 | 1,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 2,559 |
| Cost of funding earning assets | 1.2518% | 1,727 |
| Net interest margin | 3.8216% | 3,715 |
| Noninterest income to average assets | 1.0931% | 1,111 |
| Noninterest expense to average assets | 2.9091% | 3,924 |
| Loan and lease loss provision to assets | 0.2366% | 3,840 |
| Net operating income to assets | 1.0643% | 1,940 |
| Return on assets (ROA) | 1.0643% | 2,087 |
| Pretax return on assets | 1.5027% | 1,461 |
| Return on Equity (ROE) | 11.9283% | 1,424 |
| Retained earnings to average equity (ytd only) | 5.0890% | 2,568 |
| Net charge-offs to loans | 0.3818% | 3,501 |
| Credit loss provision to net charge-offs | 81.9672% | 4,366 |
| Earnings coverage of net charge-offs (x) | 6.0254% | 2,617 |
| Efficiency ratio | 62.5827% | 5,370 |
| Assets per employee ($millions) | 4.7864% | 2,467 |
| Cash dividends to net income (ytd only)* | 57.3366% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,704 |
| Loan loss allowance to noncurrent loans | 172.8243% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 4,165 |
| Noncurrent loans to loans | 0.7758% | 5,135 |
| Net loans and leases to total assets | 71.9102% | 1,661 |
| Net loans and leases to deposits | 85.0459% | 1,801 |
| Net loans and leases to core deposits | 100.7834% | 1,110 |
| Total domestic deposits to total assets | 84.5546% | 4,063 |
| Equity capital to assets | 9.1535% | 5,351 |
| Core capital (leverage) ratio | 8.7004% | 5,249 |
| Tier 1 risk-based capital ratio | 12.0028% | 5,837 |
| Total risk-based capital ratio | 13.2541% | 5,807 |
| Memoranda: | ||
| Average total assets | $422,642,200 | 1,542 |
| Average earning assets | $393,182,600 | 1,518 |
| Average equity | $37,708,800 | 1,782 |
| Average total loans | $319,560,600 | 1,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 2,560 |
| Cost of funding earning assets | 1.2967% | 1,725 |
| Net interest margin | 3.8130% | 3,805 |
| Noninterest income to average assets | 1.0207% | 1,292 |
| Noninterest expense to average assets | 2.8840% | 3,999 |
| Loan and lease loss provision to assets | 0.2694% | 3,350 |
| Net operating income to assets | 1.0131% | 2,274 |
| Return on assets (ROA) | 1.0131% | 2,428 |
| Pretax return on assets | 1.4151% | 1,899 |
| Return on Equity (ROE) | 11.4309% | 1,712 |
| Retained earnings to average equity (ytd only) | 2.6825% | 4,750 |
| Net charge-offs to loans | 0.3884% | 3,171 |
| Credit loss provision to net charge-offs | 90.9091% | 3,741 |
| Earnings coverage of net charge-offs (x) | 5.6834% | 2,722 |
| Efficiency ratio | 63.1279% | 5,216 |
| Assets per employee ($millions) | 4.9819% | 2,207 |
| Cash dividends to net income (ytd only)* | 76.5331% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 4,773 |
| Loan loss allowance to noncurrent loans | 227.7254% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 4,398 |
| Noncurrent loans to loans | 0.5932% | 5,687 |
| Net loans and leases to total assets | 73.2089% | 1,469 |
| Net loans and leases to deposits | 87.6204% | 1,474 |
| Net loans and leases to core deposits | 106.4193% | 845 |
| Total domestic deposits to total assets | 83.5524% | 4,459 |
| Equity capital to assets | 8.8251% | 5,952 |
| Core capital (leverage) ratio | 8.6019% | 5,548 |
| Tier 1 risk-based capital ratio | 11.4440% | 6,275 |
| Total risk-based capital ratio | 12.6956% | 6,269 |
| Memoranda: | ||
| Average total assets | $420,608,750 | 1,556 |
| Average earning assets | $391,350,250 | 1,526 |
| Average equity | $37,278,250 | 1,811 |
| Average total loans | $320,955,250 | 1,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 2,413 |
| Cost of funding earning assets | 1.3436% | 1,684 |
| Net interest margin | 3.8176% | 3,701 |
| Noninterest income to average assets | 0.8998% | 1,646 |
| Noninterest expense to average assets | 2.9053% | 4,003 |
| Loan and lease loss provision to assets | 0.3002% | 3,002 |
| Net operating income to assets | 0.8998% | 2,645 |
| Return on assets (ROA) | 0.8998% | 2,753 |
| Pretax return on assets | 1.2456% | 2,322 |
| Return on Equity (ROE) | 10.1368% | 2,072 |
| Retained earnings to average equity (ytd only) | 7.7501% | 1,553 |
| Net charge-offs to loans | 0.3617% | 3,107 |
| Credit loss provision to net charge-offs | 107.7586% | 2,854 |
| Earnings coverage of net charge-offs (x) | 5.5483% | 2,587 |
| Efficiency ratio | 65.2709% | 5,012 |
| Assets per employee ($millions) | 4.7114% | 2,527 |
| Cash dividends to net income (ytd only)* | 23.5451% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,558 |
| Loan loss allowance to noncurrent loans | 122.0011% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 4,415 |
| Noncurrent loans to loans | 1.1494% | 4,741 |
| Net loans and leases to total assets | 74.2065% | 1,371 |
| Net loans and leases to deposits | 88.5433% | 1,424 |
| Net loans and leases to core deposits | 109.0053% | 757 |
| Total domestic deposits to total assets | 83.8082% | 4,431 |
| Equity capital to assets | 8.9840% | 5,600 |
| Core capital (leverage) ratio | 8.8337% | 4,996 |
| Tier 1 risk-based capital ratio | 11.7767% | 5,950 |
| Total risk-based capital ratio | 13.0288% | 5,944 |
| Memoranda: | ||
| Average total assets | $416,337,000 | 1,582 |
| Average earning assets | $387,308,330 | 1,552 |
| Average equity | $36,954,330 | 1,811 |
| Average total loans | $320,723,670 | 1,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 2,427 |
| Cost of funding earning assets | 1.4030% | 1,596 |
| Net interest margin | 3.7487% | 3,843 |
| Noninterest income to average assets | 0.9387% | 1,509 |
| Noninterest expense to average assets | 3.0653% | 3,403 |
| Loan and lease loss provision to assets | 0.3636% | 2,380 |
| Net operating income to assets | 0.7321% | 3,364 |
| Return on assets (ROA) | 0.7321% | 3,431 |
| Pretax return on assets | 0.9920% | 3,159 |
| Return on Equity (ROE) | 8.3004% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.3004% | 1,617 |
| Net charge-offs to loans | 0.3707% | 2,583 |
| Credit loss provision to net charge-offs | 125.8389% | 2,187 |
| Earnings coverage of net charge-offs (x) | 4.6913% | 2,414 |
| Efficiency ratio | 69.3354% | 4,412 |
| Assets per employee ($millions) | 4.7390% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,558 |
| Loan loss allowance to noncurrent loans | 126.7435% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 4,083 |
| Noncurrent loans to loans | 1.1222% | 4,827 |
| Net loans and leases to total assets | 74.9047% | 1,201 |
| Net loans and leases to deposits | 89.9237% | 1,240 |
| Net loans and leases to core deposits | 112.2434% | 651 |
| Total domestic deposits to total assets | 83.2980% | 4,794 |
| Equity capital to assets | 8.8067% | 5,481 |
| Core capital (leverage) ratio | 8.8309% | 4,881 |
| Tier 1 risk-based capital ratio | 11.4537% | 6,142 |
| Total risk-based capital ratio | 12.7058% | 6,123 |
| Memoranda: | ||
| Average total assets | $412,490,500 | 1,605 |
| Average earning assets | $383,175,500 | 1,579 |
| Average equity | $36,384,000 | 1,820 |
| Average total loans | $321,519,000 | 1,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 2,506 |
| Cost of funding earning assets | 1.7274% | 1,473 |
| Net interest margin | 3.7120% | 4,299 |
| Noninterest income to average assets | 1.4481% | 686 |
| Noninterest expense to average assets | 3.1041% | 3,438 |
| Loan and lease loss provision to assets | 0.6450% | 2,557 |
| Net operating income to assets | 0.8262% | 2,686 |
| Return on assets (ROA) | 0.8373% | 2,787 |
| Pretax return on assets | 1.1621% | 2,356 |
| Return on Equity (ROE) | 9.6968% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.2602% | 899 |
| Net charge-offs to loans | 0.6944% | 2,926 |
| Credit loss provision to net charge-offs | 117.5938% | 3,631 |
| Earnings coverage of net charge-offs (x) | 3.2664% | 3,443 |
| Efficiency ratio | 63.4033% | 5,442 |
| Assets per employee ($millions) | 4.5837% | 2,736 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,701 |
| Loan loss allowance to noncurrent loans | 117.8191% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 3,981 |
| Noncurrent loans to loans | 1.1528% | 4,801 |
| Net loans and leases to total assets | 78.8639% | 824 |
| Net loans and leases to deposits | 96.8780% | 791 |
| Net loans and leases to core deposits | 122.7679% | 456 |
| Total domestic deposits to total assets | 81.4054% | 5,385 |
| Equity capital to assets | 8.8347% | 5,385 |
| Core capital (leverage) ratio | 8.5939% | 5,205 |
| Tier 1 risk-based capital ratio | 10.9842% | 6,335 |
| Total risk-based capital ratio | 12.2357% | 6,311 |
| Memoranda: | ||
| Average total assets | $403,075,000 | 1,638 |
| Average earning assets | $374,383,600 | 1,610 |
| Average equity | $34,805,400 | 1,900 |
| Average total loans | $318,414,400 | 1,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 2,824 |
| Cost of funding earning assets | 1.7809% | 1,500 |
| Net interest margin | 3.6311% | 4,722 |
| Noninterest income to average assets | 1.3540% | 736 |
| Noninterest expense to average assets | 2.9210% | 4,008 |
| Loan and lease loss provision to assets | 0.6138% | 2,486 |
| Net operating income to assets | 0.8625% | 2,773 |
| Return on assets (ROA) | 0.8706% | 2,864 |
| Pretax return on assets | 1.2021% | 2,479 |
| Return on Equity (ROE) | 10.1418% | 2,072 |
| Retained earnings to average equity (ytd only) | 8.9823% | 1,057 |
| Net charge-offs to loans | 0.4626% | 3,438 |
| Credit loss provision to net charge-offs | 168.4882% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.9536% | 2,885 |
| Efficiency ratio | 61.8128% | 5,650 |
| Assets per employee ($millions) | 4.7074% | 2,583 |
| Cash dividends to net income (ytd only)* | 11.4329% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,250 |
| Loan loss allowance to noncurrent loans | 123.0868% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 4,395 |
| Noncurrent loans to loans | 1.1708% | 4,909 |
| Net loans and leases to total assets | 78.2399% | 995 |
| Net loans and leases to deposits | 98.8334% | 738 |
| Net loans and leases to core deposits | 125.2627% | 469 |
| Total domestic deposits to total assets | 79.1634% | 5,978 |
| Equity capital to assets | 8.6692% | 6,077 |
| Core capital (leverage) ratio | 8.4920% | 5,521 |
| Tier 1 risk-based capital ratio | 10.7061% | 6,628 |
| Total risk-based capital ratio | 11.9589% | 6,608 |
| Memoranda: | ||
| Average total assets | $401,857,000 | 1,669 |
| Average earning assets | $373,139,500 | 1,641 |
| Average equity | $34,496,500 | 1,945 |
| Average total loans | $316,479,750 | 1,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 2,784 |
| Cost of funding earning assets | 1.8437% | 1,458 |
| Net interest margin | 3.5992% | 4,812 |
| Noninterest income to average assets | 1.2657% | 805 |
| Noninterest expense to average assets | 2.8373% | 4,324 |
| Loan and lease loss provision to assets | 0.5048% | 2,781 |
| Net operating income to assets | 0.9138% | 2,501 |
| Return on assets (ROA) | 0.9203% | 2,569 |
| Pretax return on assets | 1.2717% | 2,182 |
| Return on Equity (ROE) | 10.7588% | 1,836 |
| Retained earnings to average equity (ytd only) | 8.9883% | 1,111 |
| Net charge-offs to loans | 0.4320% | 3,263 |
| Credit loss provision to net charge-offs | 148.8095% | 2,654 |
| Earnings coverage of net charge-offs (x) | 5.2098% | 2,723 |
| Efficiency ratio | 61.6161% | 5,754 |
| Assets per employee ($millions) | 4.7180% | 2,553 |
| Cash dividends to net income (ytd only)* | 16.4564% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,523 |
| Loan loss allowance to noncurrent loans | 137.8668% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 4,532 |
| Noncurrent loans to loans | 1.0013% | 5,310 |
| Net loans and leases to total assets | 76.0411% | 1,490 |
| Net loans and leases to deposits | 97.7305% | 900 |
| Net loans and leases to core deposits | 123.4591% | 583 |
| Total domestic deposits to total assets | 77.8069% | 6,307 |
| Equity capital to assets | 8.5371% | 6,120 |
| Core capital (leverage) ratio | 8.4126% | 5,556 |
| Tier 1 risk-based capital ratio | 10.7341% | 6,494 |
| Total risk-based capital ratio | 11.9856% | 6,485 |
| Memoranda: | ||
| Average total assets | $396,157,670 | 1,700 |
| Average earning assets | $367,524,000 | 1,674 |
| Average equity | $33,888,670 | 1,967 |
| Average total loans | $311,112,000 | 1,477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 2,639 |
| Cost of funding earning assets | 1.9425% | 1,275 |
| Net interest margin | 3.5464% | 4,961 |
| Noninterest income to average assets | 1.2668% | 766 |
| Noninterest expense to average assets | 2.8617% | 4,218 |
| Loan and lease loss provision to assets | 0.5913% | 2,144 |
| Net operating income to assets | 0.7978% | 2,971 |
| Return on assets (ROA) | 0.8113% | 3,011 |
| Pretax return on assets | 1.1177% | 2,677 |
| Return on Equity (ROE) | 9.4741% | 2,303 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,681 |
| Net charge-offs to loans | 0.5201% | 2,509 |
| Credit loss provision to net charge-offs | 143.3915% | 2,480 |
| Earnings coverage of net charge-offs (x) | 4.0998% | 2,707 |
| Efficiency ratio | 62.8642% | 5,685 |
| Assets per employee ($millions) | 4.5280% | 2,905 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 4,532 |
| Loan loss allowance to noncurrent loans | 134.1929% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 4,411 |
| Noncurrent loans to loans | 1.0260% | 5,279 |
| Net loans and leases to total assets | 77.5347% | 1,236 |
| Net loans and leases to deposits | 101.9824% | 645 |
| Net loans and leases to core deposits | 129.0687% | 512 |
| Total domestic deposits to total assets | 76.0275% | 6,753 |
| Equity capital to assets | 8.6427% | 5,810 |
| Core capital (leverage) ratio | 8.6041% | 5,192 |
| Tier 1 risk-based capital ratio | 10.6700% | 6,474 |
| Total risk-based capital ratio | 11.9213% | 6,456 |
| Memoranda: | ||
| Average total assets | $389,003,500 | 1,773 |
| Average earning assets | $360,363,000 | 1,738 |
| Average equity | $33,312,000 | 2,013 |
| Average total loans | $308,422,000 | 1,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 3,633 |
| Cost of funding earning assets | 2.4505% | 1,154 |
| Net interest margin | 3.1448% | 6,244 |
| Noninterest income to average assets | 1.1455% | 1,175 |
| Noninterest expense to average assets | 2.8569% | 4,714 |
| Loan and lease loss provision to assets | 0.7046% | 3,004 |
| Net operating income to assets | 0.4199% | 4,049 |
| Return on assets (ROA) | 0.4199% | 4,152 |
| Pretax return on assets | 0.5178% | 4,135 |
| Return on Equity (ROE) | 4.9618% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.9618% | 1,837 |
| Net charge-offs to loans | 0.6898% | 3,119 |
| Credit loss provision to net charge-offs | 126.0603% | 4,137 |
| Earnings coverage of net charge-offs (x) | 2.1871% | 4,086 |
| Efficiency ratio | 70.0329% | 4,620 |
| Assets per employee ($millions) | 4.7390% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,764 |
| Loan loss allowance to noncurrent loans | 99.1656% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 4,574 |
| Noncurrent loans to loans | 1.3115% | 4,732 |
| Net loans and leases to total assets | 78.9147% | 1,202 |
| Net loans and leases to deposits | 106.6012% | 517 |
| Net loans and leases to core deposits | 132.6195% | 1,135 |
| Total domestic deposits to total assets | 74.0279% | 7,008 |
| Equity capital to assets | 8.4840% | 5,908 |
| Core capital (leverage) ratio | 8.4262% | 5,396 |
| Tier 1 risk-based capital ratio | 10.3959% | 6,501 |
| Total risk-based capital ratio | 11.6463% | 6,471 |
| Memoranda: | ||
| Average total assets | $379,647,000 | 1,799 |
| Average earning assets | $354,171,000 | 1,767 |
| Average equity | $32,125,400 | 2,079 |
| Average total loans | $307,618,600 | 1,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 3,839 |
| Cost of funding earning assets | 2.5275% | 1,215 |
| Net interest margin | 3.0770% | 6,374 |
| Noninterest income to average assets | 1.1658% | 1,159 |
| Noninterest expense to average assets | 2.8933% | 4,481 |
| Loan and lease loss provision to assets | 0.6677% | 2,736 |
| Net operating income to assets | 0.3911% | 4,434 |
| Return on assets (ROA) | 0.3911% | 4,534 |
| Pretax return on assets | 0.4752% | 4,594 |
| Return on Equity (ROE) | 4.6247% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.6247% | 2,694 |
| Net charge-offs to loans | 0.7248% | 2,543 |
| Credit loss provision to net charge-offs | 113.3094% | 4,486 |
| Earnings coverage of net charge-offs (x) | 1.9395% | 4,361 |
| Efficiency ratio | 71.6849% | 4,301 |
| Assets per employee ($millions) | 4.6489% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 4,988 |
| Loan loss allowance to noncurrent loans | 62.8068% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.5788% | 3,988 |
| Noncurrent loans to loans | 1.9474% | 3,710 |
| Net loans and leases to total assets | 79.5651% | 1,270 |
| Net loans and leases to deposits | 110.9637% | 427 |
| Net loans and leases to core deposits | 135.1802% | 1,141 |
| Total domestic deposits to total assets | 71.7037% | 7,249 |
| Equity capital to assets | 8.7056% | 5,943 |
| Core capital (leverage) ratio | 8.4916% | 5,513 |
| Tier 1 risk-based capital ratio | 10.5366% | 6,433 |
| Total risk-based capital ratio | 11.7561% | 6,414 |
| Memoranda: | ||
| Average total assets | $377,408,250 | 1,822 |
| Average earning assets | $352,063,500 | 1,790 |
| Average equity | $31,914,500 | 2,116 |
| Average total loans | $306,847,000 | 1,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6350% | 3,888 |
| Cost of funding earning assets | 2.5912% | 1,308 |
| Net interest margin | 3.0437% | 6,419 |
| Noninterest income to average assets | 1.2359% | 1,010 |
| Noninterest expense to average assets | 3.0056% | 4,065 |
| Loan and lease loss provision to assets | 0.6037% | 2,638 |
| Net operating income to assets | 0.3818% | 4,579 |
| Return on assets (ROA) | 0.3818% | 4,679 |
| Pretax return on assets | 0.4655% | 4,733 |
| Return on Equity (ROE) | 4.5596% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.5596% | 2,757 |
| Net charge-offs to loans | 0.4578% | 2,997 |
| Credit loss provision to net charge-offs | 161.7021% | 2,839 |
| Earnings coverage of net charge-offs (x) | 2.8638% | 3,668 |
| Efficiency ratio | 73.7622% | 4,067 |
| Assets per employee ($millions) | 4.5055% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,276 |
| Loan loss allowance to noncurrent loans | 68.7281% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 3,946 |
| Noncurrent loans to loans | 1.8903% | 3,681 |
| Net loans and leases to total assets | 78.7515% | 1,583 |
| Net loans and leases to deposits | 115.7426% | 337 |
| Net loans and leases to core deposits | 139.5528% | 1,035 |
| Total domestic deposits to total assets | 68.0402% | 7,623 |
| Equity capital to assets | 8.3975% | 6,195 |
| Core capital (leverage) ratio | 8.4391% | 5,547 |
| Tier 1 risk-based capital ratio | 10.4596% | 6,415 |
| Total risk-based capital ratio | 11.7103% | 6,362 |
| Memoranda: | ||
| Average total assets | $377,690,330 | 1,840 |
| Average earning assets | $352,264,330 | 1,808 |
| Average equity | $31,625,330 | 2,138 |
| Average total loans | $308,022,000 | 1,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 3,726 |
| Cost of funding earning assets | 2.6706% | 1,344 |
| Net interest margin | 3.0433% | 6,358 |
| Noninterest income to average assets | 1.0305% | 1,402 |
| Noninterest expense to average assets | 2.8221% | 4,465 |
| Loan and lease loss provision to assets | 0.4877% | 2,528 |
| Net operating income to assets | 0.4378% | 4,708 |
| Return on assets (ROA) | 0.4378% | 4,883 |
| Pretax return on assets | 0.5598% | 4,883 |
| Return on Equity (ROE) | 5.2365% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.2365% | 2,999 |
| Net charge-offs to loans | 0.0244% | 5,205 |
| Credit loss provision to net charge-offs | 2,421.0526% | 274 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 700 |
| Efficiency ratio | 72.9315% | 4,018 |
| Assets per employee ($millions) | 4.6165% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,217 |
| Loan loss allowance to noncurrent loans | 77.3425% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3702% | 3,913 |
| Noncurrent loans to loans | 1.6529% | 3,795 |
| Net loans and leases to total assets | 80.1487% | 1,358 |
| Net loans and leases to deposits | 118.8839% | 316 |
| Net loans and leases to core deposits | 143.7065% | 944 |
| Total domestic deposits to total assets | 67.4176% | 7,640 |
| Equity capital to assets | 8.4078% | 6,218 |
| Core capital (leverage) ratio | 8.3144% | 5,880 |
| Tier 1 risk-based capital ratio | 10.3958% | 6,497 |
| Total risk-based capital ratio | 11.6464% | 6,407 |
| Memoranda: | ||
| Average total assets | $377,305,500 | 1,852 |
| Average earning assets | $351,982,000 | 1,822 |
| Average equity | $31,547,500 | 2,148 |
| Average total loans | $311,050,000 | 1,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2414% | 4,291 |
| Cost of funding earning assets | 3.1514% | 1,346 |
| Net interest margin | 3.0900% | 6,677 |
| Noninterest income to average assets | 0.9590% | 1,731 |
| Noninterest expense to average assets | 2.7105% | 5,225 |
| Loan and lease loss provision to assets | 0.5550% | 2,595 |
| Net operating income to assets | 0.4375% | 5,000 |
| Return on assets (ROA) | 0.4375% | 4,825 |
| Pretax return on assets | 0.5584% | 4,822 |
| Return on Equity (ROE) | 5.1183% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.4817% | 3,652 |
| Net charge-offs to loans | 0.4590% | 2,535 |
| Credit loss provision to net charge-offs | 145.2802% | 3,634 |
| Earnings coverage of net charge-offs (x) | 2.9145% | 4,624 |
| Efficiency ratio | 70.8834% | 4,160 |
| Assets per employee ($millions) | 4.6427% | 2,412 |
| Cash dividends to net income (ytd only)* | 51.5132% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,216 |
| Loan loss allowance to noncurrent loans | 81.5334% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4163% | 3,363 |
| Noncurrent loans to loans | 1.3591% | 3,801 |
| Net loans and leases to total assets | 82.7739% | 1,086 |
| Net loans and leases to deposits | 132.3485% | 180 |
| Net loans and leases to core deposits | 158.0921% | 617 |
| Total domestic deposits to total assets | 62.5424% | 7,860 |
| Equity capital to assets | 8.3144% | 6,402 |
| Core capital (leverage) ratio | 8.4526% | 5,650 |
| Tier 1 risk-based capital ratio | 10.3022% | 6,417 |
| Total risk-based capital ratio | 11.4662% | 6,365 |
| Memoranda: | ||
| Average total assets | $354,956,200 | 1,884 |
| Average earning assets | $329,093,200 | 1,856 |
| Average equity | $30,342,200 | 2,233 |
| Average total loans | $295,394,000 | 1,635 |