Home > Integrity Bank > Performance and Condition Ratios
Integrity Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3283% | 6,378 |
| Cost of funding earning assets | 0.1711% | 5,760 |
| Net interest margin | 1.1572% | 6,378 |
| Noninterest income to average assets | 0.1368% | 5,924 |
| Noninterest expense to average assets | 0.9903% | 6,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1189% | 5,843 |
| Return on assets (ROA) | 0.1189% | 5,903 |
| Pretax return on assets | 0.1609% | 5,882 |
| Return on Equity (ROE) | 0.7509% | 5,953 |
| Retained earnings to average equity (ytd only) | 0.7509% | 5,151 |
| Net charge-offs to loans | -0.0010% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4915% | 1,561 |
| Assets per employee ($millions) | 8.5702% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0003% | 6,363 |
| Loan loss allowance to noncurrent loans | 0.0351% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 3,369 |
| Noncurrent loans to loans | 0.7151% | 3,478 |
| Net loans and leases to total assets | 80.7341% | 606 |
| Net loans and leases to deposits | 106.4240% | 302 |
| Net loans and leases to core deposits | 116.5819% | 506 |
| Total domestic deposits to total assets | 75.8608% | 5,748 |
| Equity capital to assets | 22.1993% | 148 |
| Core capital (leverage) ratio | 11.7392% | 1,822 |
| Tier 1 risk-based capital ratio | 11.5638% | 5,516 |
| Total risk-based capital ratio | 12.0149% | 5,836 |
| Memoranda: | ||
| Average total assets | $914,878,500 | 764 |
| Average earning assets | $801,920,000 | 791 |
| Average equity | $144,899,500 | 528 |
| Average total loans | $787,241,500 | 590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,447 |
| Cost of funding earning assets | 0.6456% | 1,437 |
| Net interest margin | 3.6978% | 3,017 |
| Noninterest income to average assets | 0.5358% | 3,266 |
| Noninterest expense to average assets | 1.7779% | 6,096 |
| Loan and lease loss provision to assets | 0.1458% | 1,811 |
| Net operating income to assets | 1.3929% | 1,095 |
| Return on assets (ROA) | 1.3929% | 1,129 |
| Pretax return on assets | 2.0744% | 438 |
| Return on Equity (ROE) | 16.2586% | 588 |
| Retained earnings to average equity (ytd only) | 2.3660% | 4,545 |
| Net charge-offs to loans | 0.0553% | 3,724 |
| Credit loss provision to net charge-offs | 293.0693% | 881 |
| Earnings coverage of net charge-offs (x) | 44.6262% | 1,008 |
| Efficiency ratio | 44.4698% | 6,309 |
| Assets per employee ($millions) | 7.1541% | 778 |
| Cash dividends to net income (ytd only)* | 85.4478% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 3,714 |
| Loan loss allowance to noncurrent loans | 147.5246% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 2,625 |
| Noncurrent loans to loans | 0.8481% | 3,191 |
| Net loans and leases to total assets | 91.0991% | 44 |
| Net loans and leases to deposits | 104.1212% | 431 |
| Net loans and leases to core deposits | 114.4520% | 581 |
| Total domestic deposits to total assets | 87.4933% | 2,035 |
| Equity capital to assets | 8.4115% | 5,819 |
| Core capital (leverage) ratio | 8.5502% | 5,499 |
| Tier 1 risk-based capital ratio | 9.3047% | 6,380 |
| Total risk-based capital ratio | 11.0793% | 6,264 |
| Memoranda: | ||
| Average total assets | $812,061,600 | 834 |
| Average earning assets | $760,344,000 | 805 |
| Average equity | $69,569,200 | 1,058 |
| Average total loans | $730,222,600 | 595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,463 |
| Cost of funding earning assets | 0.6585% | 1,400 |
| Net interest margin | 3.6797% | 3,105 |
| Noninterest income to average assets | 0.5074% | 3,494 |
| Noninterest expense to average assets | 1.7748% | 6,124 |
| Loan and lease loss provision to assets | 0.1574% | 1,583 |
| Net operating income to assets | 1.3624% | 1,219 |
| Return on assets (ROA) | 1.3624% | 1,258 |
| Pretax return on assets | 2.0158% | 546 |
| Return on Equity (ROE) | 15.8279% | 692 |
| Retained earnings to average equity (ytd only) | 14.2077% | 240 |
| Net charge-offs to loans | 0.0841% | 2,999 |
| Credit loss provision to net charge-offs | 209.4923% | 1,227 |
| Earnings coverage of net charge-offs (x) | 28.9296% | 1,406 |
| Efficiency ratio | 44.9555% | 6,330 |
| Assets per employee ($millions) | 7.0527% | 789 |
| Cash dividends to net income (ytd only)* | 10.2362% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,046 |
| Loan loss allowance to noncurrent loans | 226.3699% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 3,287 |
| Noncurrent loans to loans | 0.5456% | 4,284 |
| Net loans and leases to total assets | 87.9159% | 116 |
| Net loans and leases to deposits | 99.0119% | 668 |
| Net loans and leases to core deposits | 105.3933% | 992 |
| Total domestic deposits to total assets | 88.7932% | 1,358 |
| Equity capital to assets | 8.8831% | 5,481 |
| Core capital (leverage) ratio | 9.1978% | 4,795 |
| Tier 1 risk-based capital ratio | 10.1047% | 6,321 |
| Total risk-based capital ratio | 11.8837% | 6,110 |
| Memoranda: | ||
| Average total assets | $804,031,500 | 849 |
| Average earning assets | $751,774,000 | 818 |
| Average equity | $69,209,500 | 1,066 |
| Average total loans | $718,081,750 | 606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,474 |
| Cost of funding earning assets | 0.6759% | 1,330 |
| Net interest margin | 3.6542% | 3,125 |
| Noninterest income to average assets | 0.4526% | 3,857 |
| Noninterest expense to average assets | 1.7903% | 6,160 |
| Loan and lease loss provision to assets | 0.2063% | 1,157 |
| Net operating income to assets | 1.2694% | 1,393 |
| Return on assets (ROA) | 1.2694% | 1,447 |
| Pretax return on assets | 1.8682% | 732 |
| Return on Equity (ROE) | 14.9218% | 804 |
| Retained earnings to average equity (ytd only) | 13.1015% | 331 |
| Net charge-offs to loans | 0.1031% | 2,649 |
| Credit loss provision to net charge-offs | 223.7569% | 1,066 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,507 |
| Efficiency ratio | 46.3227% | 6,351 |
| Assets per employee ($millions) | 6.7081% | 918 |
| Cash dividends to net income (ytd only)* | 12.1990% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 4,001 |
| Loan loss allowance to noncurrent loans | 249.2585% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 3,713 |
| Noncurrent loans to loans | 0.5113% | 4,469 |
| Net loans and leases to total assets | 89.8198% | 58 |
| Net loans and leases to deposits | 99.1628% | 596 |
| Net loans and leases to core deposits | 106.2076% | 883 |
| Total domestic deposits to total assets | 90.5781% | 553 |
| Equity capital to assets | 8.6224% | 5,689 |
| Core capital (leverage) ratio | 8.8435% | 5,233 |
| Tier 1 risk-based capital ratio | 9.5971% | 6,478 |
| Total risk-based capital ratio | 11.3963% | 6,310 |
| Memoranda: | ||
| Average total assets | $785,230,670 | 863 |
| Average earning assets | $733,234,330 | 840 |
| Average equity | $66,801,670 | 1,096 |
| Average total loans | $702,136,330 | 614 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 2,931 |
| Cost of funding earning assets | 0.6890% | 1,309 |
| Net interest margin | 3.4958% | 3,715 |
| Noninterest income to average assets | 0.3912% | 4,265 |
| Noninterest expense to average assets | 1.7404% | 6,293 |
| Loan and lease loss provision to assets | 0.2098% | 1,095 |
| Net operating income to assets | 1.1414% | 1,660 |
| Return on assets (ROA) | 1.1414% | 1,726 |
| Pretax return on assets | 1.7166% | 944 |
| Return on Equity (ROE) | 13.5134% | 1,035 |
| Retained earnings to average equity (ytd only) | 12.1025% | 592 |
| Net charge-offs to loans | 0.0988% | 2,179 |
| Credit loss provision to net charge-offs | 239.6450% | 927 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,271 |
| Efficiency ratio | 47.4636% | 6,379 |
| Assets per employee ($millions) | 6.5724% | 978 |
| Cash dividends to net income (ytd only)* | 10.4403% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,959 |
| Loan loss allowance to noncurrent loans | 228.7988% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 3,451 |
| Noncurrent loans to loans | 0.5812% | 4,419 |
| Net loans and leases to total assets | 87.2794% | 100 |
| Net loans and leases to deposits | 96.2026% | 645 |
| Net loans and leases to core deposits | 100.0689% | 1,102 |
| Total domestic deposits to total assets | 90.7246% | 679 |
| Equity capital to assets | 8.4854% | 5,670 |
| Core capital (leverage) ratio | 8.7940% | 5,272 |
| Tier 1 risk-based capital ratio | 9.7233% | 6,521 |
| Total risk-based capital ratio | 11.7071% | 6,309 |
| Memoranda: | ||
| Average total assets | $772,008,000 | 881 |
| Average earning assets | $723,377,000 | 855 |
| Average equity | $65,209,500 | 1,119 |
| Average total loans | $683,975,500 | 630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,742 |
| Cost of funding earning assets | 0.7719% | 1,362 |
| Net interest margin | 3.5861% | 3,520 |
| Noninterest income to average assets | 0.6238% | 2,955 |
| Noninterest expense to average assets | 1.9552% | 6,101 |
| Loan and lease loss provision to assets | 0.2860% | 1,208 |
| Net operating income to assets | 1.1756% | 1,660 |
| Return on assets (ROA) | 1.1756% | 1,717 |
| Pretax return on assets | 1.7456% | 859 |
| Return on Equity (ROE) | 14.0833% | 932 |
| Retained earnings to average equity (ytd only) | 12.5088% | 271 |
| Net charge-offs to loans | 0.1017% | 3,814 |
| Credit loss provision to net charge-offs | 325.5250% | 709 |
| Earnings coverage of net charge-offs (x) | 23.1244% | 1,423 |
| Efficiency ratio | 49.0424% | 6,438 |
| Assets per employee ($millions) | 6.5681% | 957 |
| Cash dividends to net income (ytd only)* | 11.1795% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,007 |
| Loan loss allowance to noncurrent loans | 676.0181% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 4,702 |
| Noncurrent loans to loans | 0.1961% | 5,599 |
| Net loans and leases to total assets | 87.5654% | 102 |
| Net loans and leases to deposits | 96.5480% | 698 |
| Net loans and leases to core deposits | 106.5488% | 768 |
| Total domestic deposits to total assets | 90.6962% | 706 |
| Equity capital to assets | 8.4071% | 5,685 |
| Core capital (leverage) ratio | 8.7951% | 5,290 |
| Tier 1 risk-based capital ratio | 9.6328% | 6,589 |
| Total risk-based capital ratio | 11.6360% | 6,361 |
| Memoranda: | ||
| Average total assets | $704,591,600 | 938 |
| Average earning assets | $660,745,000 | 910 |
| Average equity | $58,814,400 | 1,222 |
| Average total loans | $608,655,000 | 686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,678 |
| Cost of funding earning assets | 0.7973% | 1,342 |
| Net interest margin | 3.5771% | 3,547 |
| Noninterest income to average assets | 0.6840% | 2,712 |
| Noninterest expense to average assets | 2.0154% | 5,983 |
| Loan and lease loss provision to assets | 0.2754% | 1,264 |
| Net operating income to assets | 1.1700% | 1,739 |
| Return on assets (ROA) | 1.1700% | 1,811 |
| Pretax return on assets | 1.7450% | 1,005 |
| Return on Equity (ROE) | 14.0438% | 989 |
| Retained earnings to average equity (ytd only) | 12.4347% | 377 |
| Net charge-offs to loans | 0.1149% | 3,397 |
| Credit loss provision to net charge-offs | 279.6078% | 915 |
| Earnings coverage of net charge-offs (x) | 20.5099% | 1,587 |
| Efficiency ratio | 49.9378% | 6,401 |
| Assets per employee ($millions) | 6.1742% | 1,120 |
| Cash dividends to net income (ytd only)* | 11.4578% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,299 |
| Loan loss allowance to noncurrent loans | 856.9697% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 4,669 |
| Noncurrent loans to loans | 0.1537% | 5,856 |
| Net loans and leases to total assets | 87.2702% | 105 |
| Net loans and leases to deposits | 97.8079% | 581 |
| Net loans and leases to core deposits | 104.8146% | 831 |
| Total domestic deposits to total assets | 89.2262% | 1,442 |
| Equity capital to assets | 8.5121% | 5,726 |
| Core capital (leverage) ratio | 8.6964% | 5,544 |
| Tier 1 risk-based capital ratio | 9.7277% | 6,652 |
| Total risk-based capital ratio | 11.7635% | 6,420 |
| Memoranda: | ||
| Average total assets | $690,263,250 | 969 |
| Average earning assets | $646,800,750 | 943 |
| Average equity | $57,504,500 | 1,259 |
| Average total loans | $591,786,500 | 705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,789 |
| Cost of funding earning assets | 0.8125% | 1,354 |
| Net interest margin | 3.5284% | 3,662 |
| Noninterest income to average assets | 0.7336% | 2,481 |
| Noninterest expense to average assets | 2.0295% | 5,987 |
| Loan and lease loss provision to assets | 0.2996% | 1,205 |
| Net operating income to assets | 1.1746% | 1,657 |
| Return on assets (ROA) | 1.1746% | 1,767 |
| Pretax return on assets | 1.7184% | 1,078 |
| Return on Equity (ROE) | 14.2105% | 962 |
| Retained earnings to average equity (ytd only) | 12.5606% | 424 |
| Net charge-offs to loans | 0.1602% | 2,823 |
| Credit loss provision to net charge-offs | 220.6522% | 1,103 |
| Earnings coverage of net charge-offs (x) | 14.8609% | 1,790 |
| Efficiency ratio | 50.1422% | 6,420 |
| Assets per employee ($millions) | 6.1386% | 1,105 |
| Cash dividends to net income (ytd only)* | 11.6110% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,297 |
| Loan loss allowance to noncurrent loans | 311.8234% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 3,893 |
| Noncurrent loans to loans | 0.4312% | 5,183 |
| Net loans and leases to total assets | 84.4308% | 212 |
| Net loans and leases to deposits | 93.1851% | 866 |
| Net loans and leases to core deposits | 100.5137% | 1,040 |
| Total domestic deposits to total assets | 90.6055% | 703 |
| Equity capital to assets | 8.3862% | 5,880 |
| Core capital (leverage) ratio | 8.7960% | 5,294 |
| Tier 1 risk-based capital ratio | 9.9087% | 6,652 |
| Total risk-based capital ratio | 11.9978% | 6,399 |
| Memoranda: | ||
| Average total assets | $677,497,330 | 985 |
| Average earning assets | $636,331,000 | 963 |
| Average equity | $56,000,670 | 1,289 |
| Average total loans | $574,281,670 | 726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,719 |
| Cost of funding earning assets | 0.8184% | 1,427 |
| Net interest margin | 3.5249% | 3,595 |
| Noninterest income to average assets | 0.6833% | 2,686 |
| Noninterest expense to average assets | 2.1312% | 5,843 |
| Loan and lease loss provision to assets | 0.3829% | 827 |
| Net operating income to assets | 0.9902% | 2,268 |
| Return on assets (ROA) | 0.9902% | 2,390 |
| Pretax return on assets | 1.4938% | 1,572 |
| Return on Equity (ROE) | 12.0735% | 1,400 |
| Retained earnings to average equity (ytd only) | 10.3824% | 1,013 |
| Net charge-offs to loans | 0.0937% | 2,911 |
| Credit loss provision to net charge-offs | 484.7328% | 544 |
| Earnings coverage of net charge-offs (x) | 23.7557% | 1,093 |
| Efficiency ratio | 53.1748% | 6,283 |
| Assets per employee ($millions) | 5.7416% | 1,445 |
| Cash dividends to net income (ytd only)* | 14.0073% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 4,214 |
| Loan loss allowance to noncurrent loans | 194.4123% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0673% | 3,798 |
| Noncurrent loans to loans | 0.7214% | 4,689 |
| Net loans and leases to total assets | 86.6925% | 105 |
| Net loans and leases to deposits | 97.1013% | 485 |
| Net loans and leases to core deposits | 105.9199% | 645 |
| Total domestic deposits to total assets | 89.2804% | 1,501 |
| Equity capital to assets | 8.5093% | 6,012 |
| Core capital (leverage) ratio | 8.7626% | 5,246 |
| Tier 1 risk-based capital ratio | 9.8506% | 6,714 |
| Total risk-based capital ratio | 11.9890% | 6,474 |
| Memoranda: | ||
| Average total assets | $663,274,000 | 1,016 |
| Average earning assets | $625,598,000 | 991 |
| Average equity | $54,400,000 | 1,341 |
| Average total loans | $559,344,000 | 747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 2,875 |
| Cost of funding earning assets | 1.0042% | 1,336 |
| Net interest margin | 3.6268% | 3,981 |
| Noninterest income to average assets | 0.5108% | 3,826 |
| Noninterest expense to average assets | 2.3342% | 5,601 |
| Loan and lease loss provision to assets | 0.1183% | 4,146 |
| Net operating income to assets | 0.9783% | 2,433 |
| Return on assets (ROA) | 0.9783% | 2,658 |
| Pretax return on assets | 1.4523% | 1,843 |
| Return on Equity (ROE) | 13.9363% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.9671% | 327 |
| Net charge-offs to loans | 0.0837% | 4,842 |
| Credit loss provision to net charge-offs | 169.2825% | 1,561 |
| Earnings coverage of net charge-offs (x) | 22.4686% | 1,260 |
| Efficiency ratio | 59.7776% | 5,578 |
| Assets per employee ($millions) | 6.3397% | 1,074 |
| Cash dividends to net income (ytd only)* | 14.1301% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,199 |
| Loan loss allowance to noncurrent loans | 171.2605% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 3,523 |
| Noncurrent loans to loans | 0.8135% | 4,559 |
| Net loans and leases to total assets | 79.7031% | 500 |
| Net loans and leases to deposits | 88.9620% | 1,170 |
| Net loans and leases to core deposits | 98.0473% | 1,142 |
| Total domestic deposits to total assets | 89.5923% | 1,196 |
| Equity capital to assets | 7.9021% | 6,457 |
| Core capital (leverage) ratio | 8.0818% | 6,111 |
| Tier 1 risk-based capital ratio | 9.9182% | 6,720 |
| Total risk-based capital ratio | 12.1061% | 6,375 |
| Memoranda: | ||
| Average total assets | $638,022,600 | 1,037 |
| Average earning assets | $597,083,600 | 1,008 |
| Average equity | $44,789,600 | 1,555 |
| Average total loans | $532,757,000 | 774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 2,597 |
| Cost of funding earning assets | 1.0240% | 1,426 |
| Net interest margin | 3.7220% | 3,695 |
| Noninterest income to average assets | 0.1447% | 6,420 |
| Noninterest expense to average assets | 2.0491% | 6,273 |
| Loan and lease loss provision to assets | 0.1228% | 4,017 |
| Net operating income to assets | 0.9825% | 2,599 |
| Return on assets (ROA) | 0.9825% | 2,823 |
| Pretax return on assets | 1.4485% | 2,085 |
| Return on Equity (ROE) | 14.4814% | 1,005 |
| Retained earnings to average equity (ytd only) | 12.4617% | 453 |
| Net charge-offs to loans | 0.0727% | 4,682 |
| Credit loss provision to net charge-offs | 200.6920% | 1,373 |
| Earnings coverage of net charge-offs (x) | 25.6715% | 1,237 |
| Efficiency ratio | 56.5988% | 5,980 |
| Assets per employee ($millions) | 6.2919% | 1,071 |
| Cash dividends to net income (ytd only)* | 13.9470% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,357 |
| Loan loss allowance to noncurrent loans | 266.6902% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 3,659 |
| Noncurrent loans to loans | 0.5262% | 5,388 |
| Net loans and leases to total assets | 80.2902% | 482 |
| Net loans and leases to deposits | 89.4111% | 1,212 |
| Net loans and leases to core deposits | 98.7295% | 1,211 |
| Total domestic deposits to total assets | 89.7989% | 949 |
| Equity capital to assets | 7.7314% | 6,699 |
| Core capital (leverage) ratio | 7.8337% | 6,447 |
| Tier 1 risk-based capital ratio | 9.6172% | 6,883 |
| Total risk-based capital ratio | 11.8127% | 6,628 |
| Memoranda: | ||
| Average total assets | $629,526,000 | 1,058 |
| Average earning assets | $587,879,500 | 1,030 |
| Average equity | $42,711,250 | 1,646 |
| Average total loans | $530,151,250 | 783 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 2,422 |
| Cost of funding earning assets | 1.0435% | 1,504 |
| Net interest margin | 3.7780% | 3,465 |
| Noninterest income to average assets | 0.1909% | 6,192 |
| Noninterest expense to average assets | 2.0806% | 6,261 |
| Loan and lease loss provision to assets | 0.1874% | 3,227 |
| Net operating income to assets | 0.9901% | 2,512 |
| Return on assets (ROA) | 0.9901% | 2,741 |
| Pretax return on assets | 1.4526% | 2,002 |
| Return on Equity (ROE) | 15.3547% | 875 |
| Retained earnings to average equity (ytd only) | 13.2757% | 409 |
| Net charge-offs to loans | 0.1024% | 4,138 |
| Credit loss provision to net charge-offs | 214.8148% | 1,316 |
| Earnings coverage of net charge-offs (x) | 18.8037% | 1,465 |
| Efficiency ratio | 55.9212% | 6,123 |
| Assets per employee ($millions) | 6.1266% | 1,152 |
| Cash dividends to net income (ytd only)* | 13.5400% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 4,378 |
| Loan loss allowance to noncurrent loans | 176.1461% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4692% | 3,498 |
| Noncurrent loans to loans | 0.8068% | 4,895 |
| Net loans and leases to total assets | 80.8488% | 420 |
| Net loans and leases to deposits | 90.1624% | 1,129 |
| Net loans and leases to core deposits | 100.4373% | 1,068 |
| Total domestic deposits to total assets | 89.6702% | 1,115 |
| Equity capital to assets | 7.6485% | 6,735 |
| Core capital (leverage) ratio | 7.8229% | 6,432 |
| Tier 1 risk-based capital ratio | 9.5384% | 6,921 |
| Total risk-based capital ratio | 11.7521% | 6,678 |
| Memoranda: | ||
| Average total assets | $619,153,000 | 1,074 |
| Average earning assets | $578,447,000 | 1,046 |
| Average equity | $39,922,670 | 1,749 |
| Average total loans | $527,540,670 | 786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 2,294 |
| Cost of funding earning assets | 1.0722% | 1,537 |
| Net interest margin | 3.8154% | 3,316 |
| Noninterest income to average assets | 0.5126% | 3,831 |
| Noninterest expense to average assets | 2.4330% | 5,361 |
| Loan and lease loss provision to assets | 0.1854% | 3,119 |
| Net operating income to assets | 0.9841% | 2,539 |
| Return on assets (ROA) | 0.9841% | 2,739 |
| Pretax return on assets | 1.4549% | 2,008 |
| Return on Equity (ROE) | 16.9594% | 680 |
| Retained earnings to average equity (ytd only) | 14.7110% | 481 |
| Net charge-offs to loans | 0.1090% | 3,477 |
| Credit loss provision to net charge-offs | 195.8042% | 1,362 |
| Earnings coverage of net charge-offs (x) | 17.3217% | 1,307 |
| Efficiency ratio | 59.7301% | 5,659 |
| Assets per employee ($millions) | 6.3097% | 1,089 |
| Cash dividends to net income (ytd only)* | 13.2571% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,636 |
| Loan loss allowance to noncurrent loans | 228.2716% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 3,650 |
| Noncurrent loans to loans | 0.6113% | 5,438 |
| Net loans and leases to total assets | 83.6608% | 192 |
| Net loans and leases to deposits | 93.4091% | 704 |
| Net loans and leases to core deposits | 104.5117% | 741 |
| Total domestic deposits to total assets | 89.5639% | 1,328 |
| Equity capital to assets | 6.3576% | 7,035 |
| Core capital (leverage) ratio | 6.6346% | 6,944 |
| Tier 1 risk-based capital ratio | 7.6993% | 7,102 |
| Total risk-based capital ratio | 11.5721% | 6,789 |
| Memoranda: | ||
| Average total assets | $604,019,000 | 1,101 |
| Average earning assets | $563,717,500 | 1,083 |
| Average equity | $35,048,500 | 1,974 |
| Average total loans | $525,002,000 | 792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 2,541 |
| Cost of funding earning assets | 1.2583% | 1,690 |
| Net interest margin | 3.8192% | 3,728 |
| Noninterest income to average assets | 0.4201% | 4,447 |
| Noninterest expense to average assets | 2.1700% | 6,329 |
| Loan and lease loss provision to assets | 0.4955% | 2,126 |
| Net operating income to assets | 0.8916% | 2,639 |
| Return on assets (ROA) | 0.8916% | 2,773 |
| Pretax return on assets | 1.3057% | 2,108 |
| Return on Equity (ROE) | 17.7990% | 399 |
| Retained earnings to average equity (ytd only) | 13.9269% | 175 |
| Net charge-offs to loans | 0.3123% | 3,838 |
| Credit loss provision to net charge-offs | 179.9486% | 1,445 |
| Earnings coverage of net charge-offs (x) | 6.5411% | 2,497 |
| Efficiency ratio | 54.6435% | 6,454 |
| Assets per employee ($millions) | 5.5560% | 1,575 |
| Cash dividends to net income (ytd only)* | 21.7547% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,480 |
| Loan loss allowance to noncurrent loans | 280.4869% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 3,523 |
| Noncurrent loans to loans | 0.4977% | 5,712 |
| Net loans and leases to total assets | 87.8938% | 78 |
| Net loans and leases to deposits | 98.5810% | 524 |
| Net loans and leases to core deposits | 111.1996% | 583 |
| Total domestic deposits to total assets | 89.1591% | 1,446 |
| Equity capital to assets | 5.2083% | 7,157 |
| Core capital (leverage) ratio | 8.1416% | 6,086 |
| Tier 1 risk-based capital ratio | 9.2546% | 6,995 |
| Total risk-based capital ratio | 11.4943% | 6,768 |
| Memoranda: | ||
| Average total assets | $565,081,200 | 1,170 |
| Average earning assets | $525,402,600 | 1,132 |
| Average equity | $28,305,000 | 2,312 |
| Average total loans | $498,314,800 | 840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 2,503 |
| Cost of funding earning assets | 1.3106% | 1,643 |
| Net interest margin | 3.8126% | 3,808 |
| Noninterest income to average assets | 0.4884% | 3,966 |
| Noninterest expense to average assets | 2.2593% | 6,150 |
| Loan and lease loss provision to assets | 0.4020% | 2,440 |
| Net operating income to assets | 0.9170% | 2,681 |
| Return on assets (ROA) | 0.9170% | 2,815 |
| Pretax return on assets | 1.3699% | 2,039 |
| Return on Equity (ROE) | 18.4986% | 418 |
| Retained earnings to average equity (ytd only) | 14.3142% | 279 |
| Net charge-offs to loans | 0.3498% | 3,348 |
| Credit loss provision to net charge-offs | 130.7038% | 2,437 |
| Earnings coverage of net charge-offs (x) | 5.7610% | 2,699 |
| Efficiency ratio | 56.0453% | 6,282 |
| Assets per employee ($millions) | 5.0702% | 2,104 |
| Cash dividends to net income (ytd only)* | 22.6200% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,134 |
| Loan loss allowance to noncurrent loans | 196.6871% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.7363% | 3,494 |
| Noncurrent loans to loans | 0.6473% | 5,592 |
| Net loans and leases to total assets | 86.7896% | 110 |
| Net loans and leases to deposits | 97.4073% | 614 |
| Net loans and leases to core deposits | 116.9528% | 470 |
| Total domestic deposits to total assets | 89.0996% | 1,369 |
| Equity capital to assets | 5.1325% | 7,253 |
| Core capital (leverage) ratio | 7.9780% | 6,419 |
| Tier 1 risk-based capital ratio | 9.3605% | 7,073 |
| Total risk-based capital ratio | 11.6314% | 6,814 |
| Memoranda: | ||
| Average total assets | $560,506,250 | 1,191 |
| Average earning assets | $520,858,750 | 1,155 |
| Average equity | $27,785,250 | 2,346 |
| Average total loans | $492,889,750 | 861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 2,704 |
| Cost of funding earning assets | 1.3580% | 1,609 |
| Net interest margin | 3.7375% | 4,088 |
| Noninterest income to average assets | 0.4274% | 4,450 |
| Noninterest expense to average assets | 2.2525% | 6,237 |
| Loan and lease loss provision to assets | 0.3235% | 2,848 |
| Net operating income to assets | 0.9030% | 2,622 |
| Return on assets (ROA) | 0.9030% | 2,731 |
| Pretax return on assets | 1.3250% | 2,058 |
| Return on Equity (ROE) | 18.4401% | 427 |
| Retained earnings to average equity (ytd only) | 13.4410% | 358 |
| Net charge-offs to loans | 0.2837% | 3,459 |
| Credit loss provision to net charge-offs | 129.6830% | 2,352 |
| Earnings coverage of net charge-offs (x) | 6.6081% | 2,366 |
| Efficiency ratio | 57.7405% | 6,199 |
| Assets per employee ($millions) | 5.9201% | 1,229 |
| Cash dividends to net income (ytd only)* | 27.1099% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,315 |
| Loan loss allowance to noncurrent loans | 108.6827% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 2.2256% | 2,947 |
| Noncurrent loans to loans | 1.1496% | 4,740 |
| Net loans and leases to total assets | 84.7459% | 190 |
| Net loans and leases to deposits | 94.8006% | 818 |
| Net loans and leases to core deposits | 115.2480% | 536 |
| Total domestic deposits to total assets | 89.3938% | 1,305 |
| Equity capital to assets | 4.8599% | 7,330 |
| Core capital (leverage) ratio | 7.7927% | 6,519 |
| Tier 1 risk-based capital ratio | 9.1129% | 7,162 |
| Total risk-based capital ratio | 11.3826% | 6,930 |
| Memoranda: | ||
| Average total assets | $556,364,000 | 1,209 |
| Average earning assets | $517,089,000 | 1,177 |
| Average equity | $27,245,000 | 2,365 |
| Average total loans | $489,300,330 | 883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 2,359 |
| Cost of funding earning assets | 1.3728% | 1,755 |
| Net interest margin | 3.7964% | 3,638 |
| Noninterest income to average assets | 0.4482% | 4,306 |
| Noninterest expense to average assets | 2.3282% | 6,115 |
| Loan and lease loss provision to assets | 0.3306% | 2,575 |
| Net operating income to assets | 0.8801% | 2,664 |
| Return on assets (ROA) | 0.8801% | 2,725 |
| Pretax return on assets | 1.3062% | 2,020 |
| Return on Equity (ROE) | 17.9010% | 491 |
| Retained earnings to average equity (ytd only) | 15.1217% | 384 |
| Net charge-offs to loans | 0.2540% | 3,066 |
| Credit loss provision to net charge-offs | 146.1039% | 1,941 |
| Earnings coverage of net charge-offs (x) | 7.2338% | 1,977 |
| Efficiency ratio | 58.7178% | 6,171 |
| Assets per employee ($millions) | 5.0698% | 2,066 |
| Cash dividends to net income (ytd only)* | 15.5259% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 5,429 |
| Loan loss allowance to noncurrent loans | 112.1085% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 2.6480% | 2,597 |
| Noncurrent loans to loans | 1.1090% | 4,847 |
| Net loans and leases to total assets | 89.3185% | 57 |
| Net loans and leases to deposits | 100.3760% | 449 |
| Net loans and leases to core deposits | 114.9735% | 565 |
| Total domestic deposits to total assets | 88.9839% | 1,783 |
| Equity capital to assets | 4.9812% | 7,379 |
| Core capital (leverage) ratio | 8.0606% | 6,176 |
| Tier 1 risk-based capital ratio | 8.9167% | 7,228 |
| Total risk-based capital ratio | 11.1848% | 7,027 |
| Memoranda: | ||
| Average total assets | $544,460,500 | 1,237 |
| Average earning assets | $504,368,000 | 1,218 |
| Average equity | $26,769,500 | 2,396 |
| Average total loans | $485,004,500 | 901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 3,332 |
| Cost of funding earning assets | 1.5706% | 2,240 |
| Net interest margin | 3.6851% | 4,418 |
| Noninterest income to average assets | 0.2377% | 6,097 |
| Noninterest expense to average assets | 2.2372% | 6,518 |
| Loan and lease loss provision to assets | 0.6746% | 2,444 |
| Net operating income to assets | 0.5191% | 4,005 |
| Return on assets (ROA) | 0.5191% | 4,161 |
| Pretax return on assets | 0.7414% | 3,829 |
| Return on Equity (ROE) | 10.6576% | 1,706 |
| Retained earnings to average equity (ytd only) | 7.6206% | 1,112 |
| Net charge-offs to loans | 0.5597% | 3,380 |
| Credit loss provision to net charge-offs | 136.1351% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.8574% | 3,646 |
| Efficiency ratio | 61.2393% | 5,854 |
| Assets per employee ($millions) | 5.4139% | 1,665 |
| Cash dividends to net income (ytd only)* | 28.4964% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 5,174 |
| Loan loss allowance to noncurrent loans | 116.4118% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 2,916 |
| Noncurrent loans to loans | 1.0882% | 4,916 |
| Net loans and leases to total assets | 86.5902% | 156 |
| Net loans and leases to deposits | 97.2008% | 770 |
| Net loans and leases to core deposits | 114.4843% | 697 |
| Total domestic deposits to total assets | 89.0838% | 1,604 |
| Equity capital to assets | 4.8514% | 7,443 |
| Core capital (leverage) ratio | 7.7655% | 6,479 |
| Tier 1 risk-based capital ratio | 9.1048% | 7,224 |
| Total risk-based capital ratio | 11.4199% | 6,867 |
| Memoranda: | ||
| Average total assets | $513,771,000 | 1,304 |
| Average earning assets | $476,193,800 | 1,286 |
| Average equity | $25,024,400 | 2,554 |
| Average total loans | $454,926,800 | 988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 3,565 |
| Cost of funding earning assets | 1.5784% | 2,519 |
| Net interest margin | 3.6748% | 4,524 |
| Noninterest income to average assets | 0.1105% | 6,992 |
| Noninterest expense to average assets | 2.2235% | 6,542 |
| Loan and lease loss provision to assets | 0.7586% | 2,020 |
| Net operating income to assets | 0.3883% | 4,799 |
| Return on assets (ROA) | 0.3883% | 4,984 |
| Pretax return on assets | 0.5335% | 4,817 |
| Return on Equity (ROE) | 7.9628% | 2,917 |
| Retained earnings to average equity (ytd only) | 4.6126% | 3,251 |
| Net charge-offs to loans | 0.7313% | 2,590 |
| Credit loss provision to net charge-offs | 116.8558% | 3,558 |
| Earnings coverage of net charge-offs (x) | 1.9903% | 4,226 |
| Efficiency ratio | 63.2473% | 5,392 |
| Assets per employee ($millions) | 4.8381% | 2,400 |
| Cash dividends to net income (ytd only)* | 42.0732% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,620 |
| Loan loss allowance to noncurrent loans | 99.8550% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 2,712 |
| Noncurrent loans to loans | 1.1740% | 4,901 |
| Net loans and leases to total assets | 86.5142% | 166 |
| Net loans and leases to deposits | 96.9484% | 891 |
| Net loans and leases to core deposits | 114.9238% | 798 |
| Total domestic deposits to total assets | 89.2373% | 1,262 |
| Equity capital to assets | 4.6746% | 7,603 |
| Core capital (leverage) ratio | 7.7159% | 6,658 |
| Tier 1 risk-based capital ratio | 8.9641% | 7,372 |
| Total risk-based capital ratio | 11.2295% | 7,066 |
| Memoranda: | ||
| Average total assets | $506,867,250 | 1,328 |
| Average earning assets | $469,675,500 | 1,319 |
| Average equity | $24,714,250 | 2,620 |
| Average total loans | $449,958,000 | 1,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 3,703 |
| Cost of funding earning assets | 1.5819% | 2,759 |
| Net interest margin | 3.6702% | 4,504 |
| Noninterest income to average assets | 0.4750% | 4,319 |
| Noninterest expense to average assets | 2.2036% | 6,640 |
| Loan and lease loss provision to assets | 0.8824% | 1,650 |
| Net operating income to assets | 0.5479% | 4,106 |
| Return on assets (ROA) | 0.5479% | 4,245 |
| Pretax return on assets | 0.7906% | 3,913 |
| Return on Equity (ROE) | 11.0721% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.0051% | 1,437 |
| Net charge-offs to loans | 1.0969% | 1,724 |
| Credit loss provision to net charge-offs | 90.1687% | 4,419 |
| Earnings coverage of net charge-offs (x) | 1.7096% | 4,224 |
| Efficiency ratio | 56.8432% | 6,528 |
| Assets per employee ($millions) | 6.0014% | 1,229 |
| Cash dividends to net income (ytd only)* | 27.7002% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 6,102 |
| Loan loss allowance to noncurrent loans | 91.7785% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 2.6447% | 2,732 |
| Noncurrent loans to loans | 1.1611% | 5,018 |
| Net loans and leases to total assets | 84.4037% | 325 |
| Net loans and leases to deposits | 94.8338% | 1,169 |
| Net loans and leases to core deposits | 114.3147% | 906 |
| Total domestic deposits to total assets | 89.0017% | 1,439 |
| Equity capital to assets | 4.7182% | 7,654 |
| Core capital (leverage) ratio | 8.1557% | 6,029 |
| Tier 1 risk-based capital ratio | 9.1708% | 7,380 |
| Total risk-based capital ratio | 11.3387% | 6,954 |
| Memoranda: | ||
| Average total assets | $496,813,000 | 1,368 |
| Average earning assets | $460,465,330 | 1,348 |
| Average equity | $24,584,330 | 2,637 |
| Average total loans | $443,238,000 | 1,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 3,132 |
| Cost of funding earning assets | 1.5843% | 3,050 |
| Net interest margin | 3.7978% | 3,805 |
| Noninterest income to average assets | 0.4450% | 4,518 |
| Noninterest expense to average assets | 2.2654% | 6,496 |
| Loan and lease loss provision to assets | 1.0039% | 1,241 |
| Net operating income to assets | 0.4835% | 4,481 |
| Return on assets (ROA) | 0.4835% | 4,611 |
| Pretax return on assets | 0.7052% | 4,213 |
| Return on Equity (ROE) | 9.5238% | 2,283 |
| Retained earnings to average equity (ytd only) | 6.4261% | 2,394 |
| Net charge-offs to loans | 1.6906% | 1,023 |
| Credit loss provision to net charge-offs | 64.9702% | 4,205 |
| Earnings coverage of net charge-offs (x) | 1.1061% | 4,103 |
| Efficiency ratio | 56.9985% | 6,631 |
| Assets per employee ($millions) | 5.6357% | 1,553 |
| Cash dividends to net income (ytd only)* | 32.5260% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,389 |
| Loan loss allowance to noncurrent loans | 100.4971% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 3,112 |
| Noncurrent loans to loans | 1.0080% | 5,308 |
| Net loans and leases to total assets | 89.6759% | 76 |
| Net loans and leases to deposits | 105.4351% | 455 |
| Net loans and leases to core deposits | 132.4962% | 430 |
| Total domestic deposits to total assets | 85.0532% | 3,650 |
| Equity capital to assets | 5.0537% | 7,717 |
| Core capital (leverage) ratio | 8.5939% | 5,216 |
| Tier 1 risk-based capital ratio | 9.5369% | 7,288 |
| Total risk-based capital ratio | 11.7360% | 6,638 |
| Memoranda: | ||
| Average total assets | $478,155,500 | 1,464 |
| Average earning assets | $444,361,000 | 1,431 |
| Average equity | $24,276,000 | 2,693 |
| Average total loans | $437,017,000 | 1,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 4,945 |
| Cost of funding earning assets | 1.9260% | 3,328 |
| Net interest margin | 3.4225% | 5,279 |
| Noninterest income to average assets | 0.5088% | 4,349 |
| Noninterest expense to average assets | 2.2326% | 6,912 |
| Loan and lease loss provision to assets | 0.4352% | 4,216 |
| Net operating income to assets | 0.7333% | 2,800 |
| Return on assets (ROA) | 0.7333% | 2,879 |
| Pretax return on assets | 1.0539% | 2,397 |
| Return on Equity (ROE) | 13.4100% | 884 |
| Retained earnings to average equity (ytd only) | 0.1781% | 4,804 |
| Net charge-offs to loans | 0.2191% | 5,250 |
| Credit loss provision to net charge-offs | 218.6576% | 1,729 |
| Earnings coverage of net charge-offs (x) | 7.4812% | 2,132 |
| Efficiency ratio | 59.9878% | 6,496 |
| Assets per employee ($millions) | 5.6824% | 1,484 |
| Cash dividends to net income (ytd only)* | 98.6720% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,529 |
| Loan loss allowance to noncurrent loans | 113.1719% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 2.4606% | 2,830 |
| Noncurrent loans to loans | 1.0351% | 5,247 |
| Net loans and leases to total assets | 91.1411% | 56 |
| Net loans and leases to deposits | 117.8927% | 203 |
| Net loans and leases to core deposits | 143.5292% | 691 |
| Total domestic deposits to total assets | 77.3085% | 6,385 |
| Equity capital to assets | 5.1009% | 7,783 |
| Core capital (leverage) ratio | 8.5721% | 5,149 |
| Tier 1 risk-based capital ratio | 9.6079% | 7,154 |
| Total risk-based capital ratio | 11.9996% | 6,129 |
| Memoranda: | ||
| Average total assets | $441,585,600 | 1,576 |
| Average earning assets | $414,547,000 | 1,524 |
| Average equity | $24,146,200 | 2,704 |
| Average total loans | $401,235,000 | 1,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 5,500 |
| Cost of funding earning assets | 2.0493% | 3,122 |
| Net interest margin | 3.2381% | 5,883 |
| Noninterest income to average assets | 0.4758% | 4,705 |
| Noninterest expense to average assets | 2.2423% | 6,865 |
| Loan and lease loss provision to assets | 0.2734% | 4,781 |
| Net operating income to assets | 0.6985% | 3,219 |
| Return on assets (ROA) | 0.6985% | 3,272 |
| Pretax return on assets | 1.0063% | 2,885 |
| Return on Equity (ROE) | 12.5451% | 1,225 |
| Retained earnings to average equity (ytd only) | -3.6190% | 6,050 |
| Net charge-offs to loans | 0.0879% | 5,808 |
| Credit loss provision to net charge-offs | 343.6293% | 1,192 |
| Earnings coverage of net charge-offs (x) | 16.0852% | 1,492 |
| Efficiency ratio | 63.6665% | 5,817 |
| Assets per employee ($millions) | 5.5190% | 1,599 |
| Cash dividends to net income (ytd only)* | 128.8481% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,753 |
| Loan loss allowance to noncurrent loans | 54.2391% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1448% | 3,167 |
| Noncurrent loans to loans | 2.0201% | 3,612 |
| Net loans and leases to total assets | 89.0616% | 155 |
| Net loans and leases to deposits | 115.3821% | 282 |
| Net loans and leases to core deposits | 143.2291% | 787 |
| Total domestic deposits to total assets | 77.1884% | 6,294 |
| Equity capital to assets | 4.9158% | 7,957 |
| Core capital (leverage) ratio | 7.0360% | 7,408 |
| Tier 1 risk-based capital ratio | 7.8730% | 7,812 |
| Total risk-based capital ratio | 10.2682% | 7,626 |
| Memoranda: | ||
| Average total assets | $434,072,250 | 1,607 |
| Average earning assets | $408,331,500 | 1,567 |
| Average equity | $24,168,250 | 2,723 |
| Average total loans | $392,805,750 | 1,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 5,397 |
| Cost of funding earning assets | 2.1754% | 2,910 |
| Net interest margin | 3.1744% | 6,004 |
| Noninterest income to average assets | 0.5245% | 4,230 |
| Noninterest expense to average assets | 2.3712% | 6,553 |
| Loan and lease loss provision to assets | 0.2830% | 4,311 |
| Net operating income to assets | 0.6030% | 3,660 |
| Return on assets (ROA) | 0.6030% | 3,772 |
| Pretax return on assets | 0.8503% | 3,511 |
| Return on Equity (ROE) | 10.3735% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.3345% | 849 |
| Net charge-offs to loans | 0.0619% | 5,629 |
| Credit loss provision to net charge-offs | 504.2373% | 911 |
| Earnings coverage of net charge-offs (x) | 20.1949% | 1,322 |
| Efficiency ratio | 67.6618% | 5,222 |
| Assets per employee ($millions) | 4.9491% | 2,145 |
| Cash dividends to net income (ytd only)* | 10.0158% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,340 |
| Loan loss allowance to noncurrent loans | 229.3165% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 4,375 |
| Noncurrent loans to loans | 0.4963% | 6,283 |
| Net loans and leases to total assets | 89.3120% | 163 |
| Net loans and leases to deposits | 109.1376% | 596 |
| Net loans and leases to core deposits | 139.7347% | 1,021 |
| Total domestic deposits to total assets | 81.8343% | 4,759 |
| Equity capital to assets | 5.6953% | 7,973 |
| Core capital (leverage) ratio | 7.7893% | 6,628 |
| Tier 1 risk-based capital ratio | 8.8333% | 7,776 |
| Total risk-based capital ratio | 11.3395% | 6,761 |
| Memoranda: | ||
| Average total assets | $420,552,330 | 1,685 |
| Average earning assets | $394,780,000 | 1,647 |
| Average equity | $24,447,000 | 2,699 |
| Average total loans | $381,275,000 | 1,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 5,927 |
| Cost of funding earning assets | 2.3345% | 2,557 |
| Net interest margin | 2.9572% | 6,594 |
| Noninterest income to average assets | 0.4861% | 4,450 |
| Noninterest expense to average assets | 2.3196% | 6,471 |
| Loan and lease loss provision to assets | 0.2143% | 4,302 |
| Net operating income to assets | 0.5309% | 4,295 |
| Return on assets (ROA) | 0.5309% | 4,481 |
| Pretax return on assets | 0.7375% | 4,295 |
| Return on Equity (ROE) | 9.0353% | 2,702 |
| Retained earnings to average equity (ytd only) | 7.9577% | 1,829 |
| Net charge-offs to loans | 0.1266% | 3,953 |
| Credit loss provision to net charge-offs | 186.4407% | 2,348 |
| Earnings coverage of net charge-offs (x) | 8.2797% | 2,217 |
| Efficiency ratio | 70.9053% | 4,391 |
| Assets per employee ($millions) | 4.8504% | 2,248 |
| Cash dividends to net income (ytd only)* | 11.9266% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,715 |
| Loan loss allowance to noncurrent loans | 554.6061% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 6,816 |
| Noncurrent loans to loans | 0.1921% | 6,983 |
| Net loans and leases to total assets | 89.3565% | 173 |
| Net loans and leases to deposits | 102.2923% | 1,145 |
| Net loans and leases to core deposits | 131.6928% | 1,557 |
| Total domestic deposits to total assets | 87.3541% | 2,035 |
| Equity capital to assets | 5.6495% | 8,047 |
| Core capital (leverage) ratio | 8.0889% | 6,315 |
| Tier 1 risk-based capital ratio | 8.9399% | 7,824 |
| Total risk-based capital ratio | 10.0693% | 7,924 |
| Memoranda: | ||
| Average total assets | $410,594,500 | 1,722 |
| Average earning assets | $386,720,000 | 1,689 |
| Average equity | $24,127,500 | 2,752 |
| Average total loans | $372,952,500 | 1,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 3,367 |
| Cost of funding earning assets | 2.9343% | 2,123 |
| Net interest margin | 3.4749% | 5,382 |
| Noninterest income to average assets | 0.6982% | 3,134 |
| Noninterest expense to average assets | 2.5423% | 5,851 |
| Loan and lease loss provision to assets | 0.2636% | 4,287 |
| Net operating income to assets | 0.7763% | 3,540 |
| Return on assets (ROA) | 0.7763% | 3,383 |
| Pretax return on assets | 1.1220% | 2,949 |
| Return on Equity (ROE) | 12.0587% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.1668% | 306 |
| Net charge-offs to loans | 0.0267% | 6,457 |
| Credit loss provision to net charge-offs | 1,092.8571% | 407 |
| Earnings coverage of net charge-offs (x) | 57.4524% | 692 |
| Efficiency ratio | 64.7248% | 5,389 |
| Assets per employee ($millions) | 4.6929% | 2,340 |
| Cash dividends to net income (ytd only)* | 7.3964% | 4,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,001 |
| Loan loss allowance to noncurrent loans | 473.3645% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 6,446 |
| Noncurrent loans to loans | 0.2404% | 6,665 |
| Net loans and leases to total assets | 90.3611% | 170 |
| Net loans and leases to deposits | 104.7855% | 1,264 |
| Net loans and leases to core deposits | 138.4297% | 1,349 |
| Total domestic deposits to total assets | 86.2344% | 2,296 |
| Equity capital to assets | 6.1275% | 8,037 |
| Core capital (leverage) ratio | 8.6841% | 5,223 |
| Tier 1 risk-based capital ratio | 9.5575% | 7,245 |
| Total risk-based capital ratio | 10.7537% | 7,225 |
| Memoranda: | ||
| Average total assets | $348,307,400 | 1,909 |
| Average earning assets | $323,724,600 | 1,882 |
| Average equity | $22,423,600 | 2,920 |
| Average total loans | $314,371,800 | 1,542 |