Home > Guaranty Bank > Performance and Condition Ratios
Guaranty Bank, Performance and Condition Ratios
| 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 | 4.0406% | 5,185 |
| Cost of funding earning assets | 0.6320% | 4,082 |
| Net interest margin | 3.4086% | 4,852 |
| Noninterest income to average assets | 0.3982% | 4,623 |
| Noninterest expense to average assets | 2.9793% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5194% | 4,604 |
| Return on assets (ROA) | 0.5194% | 4,871 |
| Pretax return on assets | 0.6667% | 4,771 |
| Return on Equity (ROE) | 4.8191% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.8191% | 2,833 |
| Net charge-offs to loans | 0.0286% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 50.0526% | 680 |
| Efficiency ratio | 81.7151% | 1,911 |
| Assets per employee ($millions) | 2.9387% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 2,807 |
| Loan loss allowance to noncurrent loans | 513.7441% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 6,178 |
| Noncurrent loans to loans | 0.3373% | 5,640 |
| Net loans and leases to total assets | 42.6858% | 5,930 |
| Net loans and leases to deposits | 48.2014% | 6,097 |
| Net loans and leases to core deposits | 49.1559% | 6,200 |
| Total domestic deposits to total assets | 88.5572% | 1,867 |
| Equity capital to assets | 10.8400% | 3,133 |
| Core capital (leverage) ratio | 9.6537% | 3,885 |
| Tier 1 risk-based capital ratio | 24.3671% | 927 |
| Total risk-based capital ratio | 25.6233% | 901 |
| Memoranda: | ||
| Average total assets | $142,652,600 | 3,904 |
| Average earning assets | $135,921,000 | 3,795 |
| Average equity | $15,376,400 | 3,882 |
| Average total loans | $66,487,600 | 4,480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 5,197 |
| Cost of funding earning assets | 0.6489% | 4,207 |
| Net interest margin | 3.4480% | 4,850 |
| Noninterest income to average assets | 0.3701% | 4,871 |
| Noninterest expense to average assets | 2.6091% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7795% | 3,550 |
| Return on assets (ROA) | 0.7795% | 3,796 |
| Pretax return on assets | 1.0512% | 3,529 |
| Return on Equity (ROE) | 7.2418% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.2418% | 1,986 |
| Net charge-offs to loans | 0.0079% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 280.6679% | 165 |
| Efficiency ratio | 71.2823% | 3,452 |
| Assets per employee ($millions) | 2.7571% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,471 |
| Loan loss allowance to noncurrent loans | 126.0321% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 5,134 |
| Noncurrent loans to loans | 1.2793% | 3,904 |
| Net loans and leases to total assets | 46.7765% | 5,681 |
| Net loans and leases to deposits | 53.0213% | 5,887 |
| Net loans and leases to core deposits | 55.1481% | 5,951 |
| Total domestic deposits to total assets | 88.2222% | 1,896 |
| Equity capital to assets | 11.0455% | 3,214 |
| Core capital (leverage) ratio | 9.7661% | 3,846 |
| Tier 1 risk-based capital ratio | 22.1396% | 1,305 |
| Total risk-based capital ratio | 23.3895% | 1,285 |
| Memoranda: | ||
| Average total assets | $142,317,250 | 3,952 |
| Average earning assets | $135,806,750 | 3,836 |
| Average equity | $15,318,250 | 3,931 |
| Average total loans | $67,472,250 | 4,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 5,281 |
| Cost of funding earning assets | 0.6685% | 4,287 |
| Net interest margin | 3.4430% | 4,912 |
| Noninterest income to average assets | 0.3564% | 4,977 |
| Noninterest expense to average assets | 2.5908% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7847% | 3,450 |
| Return on assets (ROA) | 0.7847% | 3,711 |
| Pretax return on assets | 1.0524% | 3,504 |
| Return on Equity (ROE) | 7.3552% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.3552% | 1,931 |
| Net charge-offs to loans | 0.0149% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 149.4000% | 298 |
| Efficiency ratio | 71.1137% | 3,582 |
| Assets per employee ($millions) | 2.7461% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,621 |
| Loan loss allowance to noncurrent loans | 132.9298% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 5,328 |
| Noncurrent loans to loans | 1.2005% | 4,148 |
| Net loans and leases to total assets | 46.5189% | 5,777 |
| Net loans and leases to deposits | 52.5313% | 5,988 |
| Net loans and leases to core deposits | 54.7088% | 6,047 |
| Total domestic deposits to total assets | 88.5547% | 1,783 |
| Equity capital to assets | 10.7499% | 3,397 |
| Core capital (leverage) ratio | 9.5003% | 4,142 |
| Tier 1 risk-based capital ratio | 21.6120% | 1,368 |
| Total risk-based capital ratio | 22.8626% | 1,342 |
| Memoranda: | ||
| Average total assets | $141,966,000 | 3,971 |
| Average earning assets | $135,522,000 | 3,858 |
| Average equity | $15,145,670 | 3,960 |
| Average total loans | $67,242,000 | 4,510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 5,157 |
| Cost of funding earning assets | 0.7047% | 4,239 |
| Net interest margin | 3.4816% | 4,784 |
| Noninterest income to average assets | 0.3253% | 5,266 |
| Noninterest expense to average assets | 2.6338% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7648% | 3,542 |
| Return on assets (ROA) | 0.7648% | 3,782 |
| Pretax return on assets | 1.0044% | 3,659 |
| Return on Equity (ROE) | 7.1968% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.1968% | 2,324 |
| Net charge-offs to loans | 0.0542% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 39.1111% | 761 |
| Efficiency ratio | 72.3922% | 3,365 |
| Assets per employee ($millions) | 2.7215% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,628 |
| Loan loss allowance to noncurrent loans | 167.6876% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 5,706 |
| Noncurrent loans to loans | 0.9686% | 4,742 |
| Net loans and leases to total assets | 45.9820% | 5,780 |
| Net loans and leases to deposits | 51.6490% | 6,008 |
| Net loans and leases to core deposits | 53.9066% | 6,065 |
| Total domestic deposits to total assets | 89.0279% | 1,680 |
| Equity capital to assets | 10.3620% | 3,655 |
| Core capital (leverage) ratio | 9.6746% | 3,805 |
| Tier 1 risk-based capital ratio | 21.6689% | 1,340 |
| Total risk-based capital ratio | 22.9191% | 1,318 |
| Memoranda: | ||
| Average total assets | $140,176,500 | 4,029 |
| Average earning assets | $133,387,000 | 3,921 |
| Average equity | $14,895,500 | 4,010 |
| Average total loans | $66,461,000 | 4,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 5,102 |
| Cost of funding earning assets | 0.8412% | 4,534 |
| Net interest margin | 3.6515% | 4,513 |
| Noninterest income to average assets | 0.4253% | 4,404 |
| Noninterest expense to average assets | 2.9501% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7272% | 3,344 |
| Return on assets (ROA) | 0.7272% | 3,523 |
| Pretax return on assets | 0.9509% | 3,421 |
| Return on Equity (ROE) | 6.8438% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.3870% | 2,386 |
| Net charge-offs to loans | 0.1792% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.2562% | 1,863 |
| Efficiency ratio | 75.6236% | 2,953 |
| Assets per employee ($millions) | 2.5682% | 6,761 |
| Cash dividends to net income (ytd only)* | 21.2856% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 3,261 |
| Loan loss allowance to noncurrent loans | 169.6923% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 5,276 |
| Noncurrent loans to loans | 0.9923% | 4,721 |
| Net loans and leases to total assets | 47.3133% | 5,896 |
| Net loans and leases to deposits | 53.5796% | 6,109 |
| Net loans and leases to core deposits | 56.1054% | 6,148 |
| Total domestic deposits to total assets | 88.3047% | 1,966 |
| Equity capital to assets | 10.9063% | 3,071 |
| Core capital (leverage) ratio | 9.8060% | 3,597 |
| Tier 1 risk-based capital ratio | 21.4735% | 1,326 |
| Total risk-based capital ratio | 22.7069% | 1,302 |
| Memoranda: | ||
| Average total assets | $130,502,200 | 4,159 |
| Average earning assets | $124,224,400 | 4,055 |
| Average equity | $13,866,600 | 4,140 |
| Average total loans | $67,535,000 | 4,578 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 5,336 |
| Cost of funding earning assets | 0.8583% | 4,714 |
| Net interest margin | 3.6143% | 4,711 |
| Noninterest income to average assets | 0.4162% | 4,536 |
| Noninterest expense to average assets | 2.8649% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7642% | 3,320 |
| Return on assets (ROA) | 0.7642% | 3,485 |
| Pretax return on assets | 0.9956% | 3,424 |
| Return on Equity (ROE) | 7.2430% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.2430% | 1,842 |
| Net charge-offs to loans | 0.2351% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.0331% | 2,250 |
| Efficiency ratio | 74.2108% | 3,136 |
| Assets per employee ($millions) | 2.4739% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,621 |
| Loan loss allowance to noncurrent loans | 118.0749% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 5,394 |
| Noncurrent loans to loans | 1.3627% | 4,261 |
| Net loans and leases to total assets | 50.5345% | 5,632 |
| Net loans and leases to deposits | 57.4390% | 5,897 |
| Net loans and leases to core deposits | 59.9432% | 5,999 |
| Total domestic deposits to total assets | 87.9795% | 2,044 |
| Equity capital to assets | 11.1874% | 2,970 |
| Core capital (leverage) ratio | 10.0323% | 3,390 |
| Tier 1 risk-based capital ratio | 20.5012% | 1,564 |
| Total risk-based capital ratio | 21.7502% | 1,537 |
| Memoranda: | ||
| Average total assets | $129,099,250 | 4,215 |
| Average earning assets | $123,026,750 | 4,099 |
| Average equity | $13,622,000 | 4,211 |
| Average total loans | $68,043,000 | 4,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 5,961 |
| Cost of funding earning assets | 0.8800% | 4,828 |
| Net interest margin | 3.4379% | 5,418 |
| Noninterest income to average assets | 0.4091% | 4,611 |
| Noninterest expense to average assets | 2.9529% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5893% | 4,112 |
| Return on assets (ROA) | 0.5893% | 4,245 |
| Pretax return on assets | 0.7382% | 4,253 |
| Return on Equity (ROE) | 5.7052% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.7052% | 2,587 |
| Net charge-offs to loans | 0.3537% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.9250% | 3,016 |
| Efficiency ratio | 80.0000% | 2,388 |
| Assets per employee ($millions) | 2.3776% | 7,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 3,640 |
| Loan loss allowance to noncurrent loans | 98.9247% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 5,136 |
| Noncurrent loans to loans | 1.6321% | 3,960 |
| Net loans and leases to total assets | 52.3989% | 5,515 |
| Net loans and leases to deposits | 58.9640% | 5,824 |
| Net loans and leases to core deposits | 60.9132% | 6,012 |
| Total domestic deposits to total assets | 88.8660% | 1,623 |
| Equity capital to assets | 10.6714% | 3,315 |
| Core capital (leverage) ratio | 9.8773% | 3,415 |
| Tier 1 risk-based capital ratio | 20.1195% | 1,589 |
| Total risk-based capital ratio | 21.3658% | 1,565 |
| Memoranda: | ||
| Average total assets | $127,603,000 | 4,276 |
| Average earning assets | $121,818,670 | 4,150 |
| Average equity | $13,181,000 | 4,298 |
| Average total loans | $67,853,330 | 4,646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 6,668 |
| Cost of funding earning assets | 0.9022% | 4,905 |
| Net interest margin | 3.1149% | 6,308 |
| Noninterest income to average assets | 0.4025% | 4,682 |
| Noninterest expense to average assets | 2.9652% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3679% | 5,088 |
| Return on assets (ROA) | 0.3679% | 5,171 |
| Pretax return on assets | 0.4119% | 5,303 |
| Return on Equity (ROE) | 3.6220% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.6220% | 4,011 |
| Net charge-offs to loans | 0.7102% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0917% | 3,846 |
| Efficiency ratio | 87.8026% | 1,539 |
| Assets per employee ($millions) | 2.4630% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 3,425 |
| Loan loss allowance to noncurrent loans | 165.7658% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,912 |
| Noncurrent loans to loans | 1.0107% | 5,035 |
| Net loans and leases to total assets | 50.5864% | 5,770 |
| Net loans and leases to deposits | 56.4857% | 6,088 |
| Net loans and leases to core deposits | 58.3939% | 6,218 |
| Total domestic deposits to total assets | 89.5560% | 1,450 |
| Equity capital to assets | 10.1512% | 3,591 |
| Core capital (leverage) ratio | 9.7990% | 3,387 |
| Tier 1 risk-based capital ratio | 20.8321% | 1,426 |
| Total risk-based capital ratio | 22.0814% | 1,403 |
| Memoranda: | ||
| Average total assets | $127,209,500 | 4,319 |
| Average earning assets | $121,481,500 | 4,185 |
| Average equity | $12,921,000 | 4,356 |
| Average total loans | $67,590,500 | 4,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 3,613 |
| Cost of funding earning assets | 1.0541% | 5,404 |
| Net interest margin | 4.1454% | 2,386 |
| Noninterest income to average assets | 0.1716% | 6,512 |
| Noninterest expense to average assets | 3.1537% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7251% | 3,124 |
| Return on assets (ROA) | 0.7251% | 3,252 |
| Pretax return on assets | 0.9173% | 3,214 |
| Return on Equity (ROE) | 6.9420% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.2361% | 2,288 |
| Net charge-offs to loans | 0.0014% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1,112.0000% | 11 |
| Efficiency ratio | 77.4671% | 2,793 |
| Assets per employee ($millions) | 2.3839% | 7,146 |
| Cash dividends to net income (ytd only)* | 24.5734% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,970 |
| Loan loss allowance to noncurrent loans | 114.9296% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 5,302 |
| Noncurrent loans to loans | 1.5370% | 4,187 |
| Net loans and leases to total assets | 53.8723% | 5,645 |
| Net loans and leases to deposits | 60.2500% | 6,030 |
| Net loans and leases to core deposits | 62.4518% | 6,201 |
| Total domestic deposits to total assets | 89.4147% | 1,430 |
| Equity capital to assets | 10.1634% | 3,542 |
| Core capital (leverage) ratio | 9.9216% | 3,178 |
| Tier 1 risk-based capital ratio | 19.4483% | 1,606 |
| Total risk-based capital ratio | 20.6983% | 1,578 |
| Memoranda: | ||
| Average total assets | $121,222,600 | 4,460 |
| Average earning assets | $114,029,200 | 4,375 |
| Average equity | $12,662,000 | 4,443 |
| Average total loans | $70,076,400 | 4,681 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 3,517 |
| Cost of funding earning assets | 1.0622% | 5,638 |
| Net interest margin | 4.2015% | 2,209 |
| Noninterest income to average assets | 0.0489% | 7,276 |
| Noninterest expense to average assets | 3.0881% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7248% | 3,299 |
| Return on assets (ROA) | 0.7248% | 3,453 |
| Pretax return on assets | 0.8960% | 3,572 |
| Return on Equity (ROE) | 6.8899% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.8899% | 1,910 |
| Net charge-offs to loans | -0.0038% | 7,192 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5112% | 2,692 |
| Assets per employee ($millions) | 2.3027% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 3,136 |
| Loan loss allowance to noncurrent loans | 88.6561% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 4,811 |
| Noncurrent loans to loans | 1.9223% | 3,775 |
| Net loans and leases to total assets | 57.9881% | 5,270 |
| Net loans and leases to deposits | 65.4911% | 5,720 |
| Net loans and leases to core deposits | 68.0000% | 5,940 |
| Total domestic deposits to total assets | 88.5435% | 1,653 |
| Equity capital to assets | 10.8666% | 3,092 |
| Core capital (leverage) ratio | 10.1915% | 3,052 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,518 |
| Total risk-based capital ratio | 17.8520% | 2,466 |
| Memoranda: | ||
| Average total assets | $119,942,000 | 4,542 |
| Average earning assets | $112,337,750 | 4,477 |
| Average equity | $12,617,250 | 4,522 |
| Average total loans | $70,273,250 | 4,745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 3,666 |
| Cost of funding earning assets | 1.0567% | 5,890 |
| Net interest margin | 4.2015% | 2,153 |
| Noninterest income to average assets | -0.1593% | 7,666 |
| Noninterest expense to average assets | 3.1214% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5501% | 4,094 |
| Return on assets (ROA) | 0.5501% | 4,231 |
| Pretax return on assets | 0.6407% | 4,429 |
| Return on Equity (ROE) | 5.2893% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.2893% | 2,730 |
| Net charge-offs to loans | -0.0086% | 7,175 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9692% | 2,047 |
| Assets per employee ($millions) | 2.2689% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 3,070 |
| Loan loss allowance to noncurrent loans | 89.1147% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 4,799 |
| Noncurrent loans to loans | 1.9094% | 3,855 |
| Net loans and leases to total assets | 57.9014% | 5,433 |
| Net loans and leases to deposits | 64.8547% | 5,928 |
| Net loans and leases to core deposits | 67.3068% | 6,120 |
| Total domestic deposits to total assets | 89.2787% | 1,294 |
| Equity capital to assets | 10.3386% | 3,599 |
| Core capital (leverage) ratio | 9.8587% | 3,331 |
| Tier 1 risk-based capital ratio | 19.1039% | 1,698 |
| Total risk-based capital ratio | 20.3546% | 1,660 |
| Memoranda: | ||
| Average total assets | $119,241,330 | 4,586 |
| Average earning assets | $111,294,670 | 4,527 |
| Average equity | $12,402,330 | 4,572 |
| Average total loans | $69,698,330 | 4,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 3,686 |
| Cost of funding earning assets | 1.0490% | 6,138 |
| Net interest margin | 4.2217% | 1,958 |
| Noninterest income to average assets | 0.4422% | 4,543 |
| Noninterest expense to average assets | 3.2721% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8605% | 2,702 |
| Return on assets (ROA) | 0.8605% | 2,794 |
| Pretax return on assets | 1.1122% | 2,692 |
| Return on Equity (ROE) | 8.2478% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,604 |
| Net charge-offs to loans | -0.0467% | 7,328 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6315% | 3,462 |
| Assets per employee ($millions) | 1.9438% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 2,674 |
| Loan loss allowance to noncurrent loans | 66.6126% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.7026% | 2,694 |
| Noncurrent loans to loans | 2.7298% | 2,922 |
| Net loans and leases to total assets | 55.2404% | 5,855 |
| Net loans and leases to deposits | 61.8507% | 6,289 |
| Net loans and leases to core deposits | 64.8853% | 6,388 |
| Total domestic deposits to total assets | 89.3125% | 1,358 |
| Equity capital to assets | 10.3157% | 3,452 |
| Core capital (leverage) ratio | 10.2893% | 2,823 |
| Tier 1 risk-based capital ratio | 20.1103% | 1,504 |
| Total risk-based capital ratio | 21.3305% | 1,479 |
| Memoranda: | ||
| Average total assets | $117,601,000 | 4,680 |
| Average earning assets | $109,814,500 | 4,619 |
| Average equity | $12,270,000 | 4,642 |
| Average total loans | $68,462,500 | 4,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 3,862 |
| Cost of funding earning assets | 1.1973% | 6,667 |
| Net interest margin | 4.3541% | 1,558 |
| Noninterest income to average assets | 0.4610% | 4,711 |
| Noninterest expense to average assets | 3.3812% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8856% | 2,225 |
| Return on assets (ROA) | 0.8856% | 2,294 |
| Pretax return on assets | 1.1613% | 2,057 |
| Return on Equity (ROE) | 8.4822% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.8944% | 1,002 |
| Net charge-offs to loans | 0.0782% | 6,325 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 24.2593% | 913 |
| Efficiency ratio | 74.4340% | 3,802 |
| Assets per employee ($millions) | 1.9115% | 7,776 |
| Cash dividends to net income (ytd only)* | 18.7187% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 2,632 |
| Loan loss allowance to noncurrent loans | 92.8030% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 2.5051% | 2,791 |
| Noncurrent loans to loans | 1.9097% | 3,789 |
| Net loans and leases to total assets | 59.1994% | 5,464 |
| Net loans and leases to deposits | 66.5523% | 5,995 |
| Net loans and leases to core deposits | 80.3879% | 6,053 |
| Total domestic deposits to total assets | 88.9517% | 1,501 |
| Equity capital to assets | 10.5574% | 3,121 |
| Core capital (leverage) ratio | 10.3599% | 2,723 |
| Tier 1 risk-based capital ratio | 16.3321% | 2,385 |
| Total risk-based capital ratio | 17.5831% | 2,332 |
| Memoranda: | ||
| Average total assets | $112,799,800 | 4,762 |
| Average earning assets | $105,738,400 | 4,688 |
| Average equity | $11,777,600 | 4,799 |
| Average total loans | $69,040,400 | 4,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 4,385 |
| Cost of funding earning assets | 1.2257% | 6,820 |
| Net interest margin | 4.2811% | 1,780 |
| Noninterest income to average assets | 0.4404% | 4,961 |
| Noninterest expense to average assets | 3.1846% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9721% | 2,154 |
| Return on assets (ROA) | 0.9721% | 2,211 |
| Pretax return on assets | 1.2772% | 2,017 |
| Return on Equity (ROE) | 9.3371% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.3371% | 757 |
| Net charge-offs to loans | 0.0599% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 34.7116% | 834 |
| Efficiency ratio | 71.3754% | 4,354 |
| Assets per employee ($millions) | 1.9006% | 7,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 2,296 |
| Loan loss allowance to noncurrent loans | 82.4851% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4054% | 2,862 |
| Noncurrent loans to loans | 2.1751% | 3,411 |
| Net loans and leases to total assets | 59.9046% | 5,596 |
| Net loans and leases to deposits | 67.5444% | 6,168 |
| Net loans and leases to core deposits | 81.6131% | 6,220 |
| Total domestic deposits to total assets | 88.6892% | 1,345 |
| Equity capital to assets | 10.7486% | 3,247 |
| Core capital (leverage) ratio | 10.3378% | 2,937 |
| Tier 1 risk-based capital ratio | 19.8525% | 1,592 |
| Total risk-based capital ratio | 20.6716% | 1,622 |
| Memoranda: | ||
| Average total assets | $112,328,000 | 4,797 |
| Average earning assets | $105,514,500 | 4,723 |
| Average equity | $11,695,000 | 4,869 |
| Average total loans | $69,020,750 | 4,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 5,076 |
| Cost of funding earning assets | 1.2504% | 6,956 |
| Net interest margin | 4.1624% | 2,115 |
| Noninterest income to average assets | 0.4510% | 4,839 |
| Noninterest expense to average assets | 3.1818% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9091% | 2,424 |
| Return on assets (ROA) | 0.9091% | 2,523 |
| Pretax return on assets | 1.1829% | 2,356 |
| Return on Equity (ROE) | 8.8289% | 2,421 |
| Retained earnings to average equity (ytd only) | 8.8289% | 980 |
| Net charge-offs to loans | 0.0668% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 28.7391% | 1,028 |
| Efficiency ratio | 72.8987% | 4,231 |
| Assets per employee ($millions) | 1.9863% | 7,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,045 |
| Loan loss allowance to noncurrent loans | 80.6162% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 2.4530% | 2,630 |
| Noncurrent loans to loans | 2.2311% | 3,213 |
| Net loans and leases to total assets | 59.5243% | 5,759 |
| Net loans and leases to deposits | 66.7579% | 6,325 |
| Net loans and leases to core deposits | 81.1202% | 6,313 |
| Total domestic deposits to total assets | 89.1645% | 1,188 |
| Equity capital to assets | 10.2904% | 3,625 |
| Core capital (leverage) ratio | 10.3076% | 2,985 |
| Tier 1 risk-based capital ratio | 19.0367% | 1,773 |
| Total risk-based capital ratio | 19.8351% | 1,817 |
| Memoranda: | ||
| Average total assets | $111,759,670 | 4,831 |
| Average earning assets | $105,084,670 | 4,755 |
| Average equity | $11,507,670 | 4,950 |
| Average total loans | $68,841,330 | 5,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 5,768 |
| Cost of funding earning assets | 1.2771% | 7,092 |
| Net interest margin | 4.0506% | 2,453 |
| Noninterest income to average assets | 0.4326% | 4,937 |
| Noninterest expense to average assets | 3.0790% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9015% | 2,700 |
| Return on assets (ROA) | 0.9015% | 2,851 |
| Pretax return on assets | 1.1814% | 2,681 |
| Return on Equity (ROE) | 8.7524% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.7524% | 1,551 |
| Net charge-offs to loans | 0.0761% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,221 |
| Efficiency ratio | 72.2696% | 4,143 |
| Assets per employee ($millions) | 2.0115% | 7,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 1,774 |
| Loan loss allowance to noncurrent loans | 84.4000% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,783 |
| Noncurrent loans to loans | 2.1720% | 3,020 |
| Net loans and leases to total assets | 60.1848% | 5,626 |
| Net loans and leases to deposits | 67.3482% | 6,238 |
| Net loans and leases to core deposits | 81.3238% | 6,283 |
| Total domestic deposits to total assets | 89.3637% | 1,073 |
| Equity capital to assets | 10.1595% | 3,814 |
| Core capital (leverage) ratio | 10.2666% | 3,141 |
| Tier 1 risk-based capital ratio | 18.2654% | 1,988 |
| Total risk-based capital ratio | 19.0409% | 2,052 |
| Memoranda: | ||
| Average total assets | $110,037,000 | 4,907 |
| Average earning assets | $103,984,000 | 4,805 |
| Average equity | $11,334,000 | 5,021 |
| Average total loans | $68,346,500 | 5,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2077% | 4,477 |
| Cost of funding earning assets | 1.8083% | 6,983 |
| Net interest margin | 4.3994% | 1,683 |
| Noninterest income to average assets | 0.4721% | 4,861 |
| Noninterest expense to average assets | 3.3162% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9557% | 2,763 |
| Return on assets (ROA) | 0.9557% | 2,632 |
| Pretax return on assets | 1.2516% | 2,473 |
| Return on Equity (ROE) | 9.1348% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.1578% | 1,102 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5996% | 3,826 |
| Assets per employee ($millions) | 1.8523% | 8,011 |
| Cash dividends to net income (ytd only)* | 21.6433% | 4,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 1,441 |
| Loan loss allowance to noncurrent loans | 578.7330% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,748 |
| Noncurrent loans to loans | 0.3268% | 6,393 |
| Net loans and leases to total assets | 61.7643% | 5,656 |
| Net loans and leases to deposits | 69.4559% | 6,329 |
| Net loans and leases to core deposits | 82.8131% | 6,394 |
| Total domestic deposits to total assets | 88.9259% | 1,075 |
| Equity capital to assets | 10.4476% | 3,560 |
| Core capital (leverage) ratio | 10.2400% | 3,223 |
| Tier 1 risk-based capital ratio | 19.0134% | 1,810 |
| Total risk-based capital ratio | 20.2711% | 1,766 |
| Memoranda: | ||
| Average total assets | $104,427,400 | 4,917 |
| Average earning assets | $97,217,800 | 4,882 |
| Average equity | $10,925,200 | 5,145 |
| Average total loans | $67,675,200 | 4,958 |