Home > Liberty Bank of Arkansas > Performance and Condition Ratios
Liberty Bank of Arkansas, Performance and Condition Ratios
| 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 | 4.1126% | 3,707 |
| Cost of funding earning assets | 0.5193% | 3,575 |
| Net interest margin | 3.5933% | 3,472 |
| Noninterest income to average assets | 0.9060% | 1,738 |
| Noninterest expense to average assets | 2.3495% | 5,183 |
| Loan and lease loss provision to assets | 0.4218% | 696 |
| Net operating income to assets | 0.8739% | 2,977 |
| Return on assets (ROA) | 0.8739% | 3,086 |
| Pretax return on assets | 1.3527% | 2,111 |
| Return on Equity (ROE) | 6.7611% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.8607% | 3,937 |
| Net charge-offs to loans | 1.0103% | 561 |
| Credit loss provision to net charge-offs | 63.6492% | 3,212 |
| Earnings coverage of net charge-offs (x) | 2.6779% | 3,943 |
| Efficiency ratio | 56.2265% | 5,873 |
| Assets per employee ($millions) | 4.6999% | 2,577 |
| Cash dividends to net income (ytd only)* | 42.8977% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,267 |
| Loan loss allowance to noncurrent loans | 119.6679% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.0508% | 1,967 |
| Noncurrent loans to loans | 1.2885% | 3,255 |
| Net loans and leases to total assets | 63.7074% | 3,041 |
| Net loans and leases to deposits | 84.8958% | 1,756 |
| Net loans and leases to core deposits | 97.0472% | 1,311 |
| Total domestic deposits to total assets | 75.0419% | 6,275 |
| Equity capital to assets | 12.9125% | 1,368 |
| Core capital (leverage) ratio | 10.3277% | 3,203 |
| Tier 1 risk-based capital ratio | 14.4616% | 4,096 |
| Total risk-based capital ratio | 15.7141% | 4,054 |
| Memoranda: | ||
| Average total assets | $2,845,199,500 | 266 |
| Average earning assets | $2,548,012,250 | 269 |
| Average equity | $367,761,250 | 235 |
| Average total loans | $1,866,037,500 | 267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 3,683 |
| Cost of funding earning assets | 0.5394% | 3,506 |
| Net interest margin | 3.5741% | 3,472 |
| Noninterest income to average assets | 0.9341% | 1,707 |
| Noninterest expense to average assets | 2.3636% | 5,167 |
| Loan and lease loss provision to assets | 0.4221% | 716 |
| Net operating income to assets | 0.8726% | 2,941 |
| Return on assets (ROA) | 0.8726% | 3,092 |
| Pretax return on assets | 1.3529% | 2,108 |
| Return on Equity (ROE) | 6.7489% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.5724% | 3,362 |
| Net charge-offs to loans | 0.3733% | 1,711 |
| Credit loss provision to net charge-offs | 171.6738% | 1,372 |
| Earnings coverage of net charge-offs (x) | 7.2186% | 2,580 |
| Efficiency ratio | 56.3606% | 5,921 |
| Assets per employee ($millions) | 4.4160% | 2,949 |
| Cash dividends to net income (ytd only)* | 32.2503% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 2,112 |
| Loan loss allowance to noncurrent loans | 135.5290% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.8645% | 2,321 |
| Noncurrent loans to loans | 1.4026% | 3,187 |
| Net loans and leases to total assets | 65.3211% | 2,710 |
| Net loans and leases to deposits | 84.7610% | 1,710 |
| Net loans and leases to core deposits | 97.2401% | 1,264 |
| Total domestic deposits to total assets | 77.0650% | 6,119 |
| Equity capital to assets | 12.9146% | 1,379 |
| Core capital (leverage) ratio | 10.1788% | 3,263 |
| Tier 1 risk-based capital ratio | 14.1594% | 4,319 |
| Total risk-based capital ratio | 15.4163% | 4,269 |
| Memoranda: | ||
| Average total assets | $2,842,649,670 | 266 |
| Average earning assets | $2,548,700,670 | 268 |
| Average equity | $367,556,670 | 236 |
| Average total loans | $1,872,737,000 | 268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,904 |
| Cost of funding earning assets | 0.5553% | 3,516 |
| Net interest margin | 3.4998% | 3,698 |
| Noninterest income to average assets | 0.9708% | 1,554 |
| Noninterest expense to average assets | 2.3428% | 5,291 |
| Loan and lease loss provision to assets | 0.4229% | 715 |
| Net operating income to assets | 0.8652% | 2,836 |
| Return on assets (ROA) | 0.8652% | 2,976 |
| Pretax return on assets | 1.3396% | 2,076 |
| Return on Equity (ROE) | 6.6876% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.5085% | 3,528 |
| Net charge-offs to loans | 0.3457% | 1,608 |
| Credit loss provision to net charge-offs | 186.6833% | 1,157 |
| Earnings coverage of net charge-offs (x) | 7.7803% | 2,023 |
| Efficiency ratio | 56.2854% | 6,034 |
| Assets per employee ($millions) | 4.5091% | 2,956 |
| Cash dividends to net income (ytd only)* | 32.5839% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,397 |
| Loan loss allowance to noncurrent loans | 129.3800% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.9903% | 2,361 |
| Noncurrent loans to loans | 1.4422% | 3,402 |
| Net loans and leases to total assets | 64.5852% | 2,601 |
| Net loans and leases to deposits | 84.4767% | 1,536 |
| Net loans and leases to core deposits | 95.7491% | 1,214 |
| Total domestic deposits to total assets | 76.4532% | 6,310 |
| Equity capital to assets | 12.9547% | 1,452 |
| Core capital (leverage) ratio | 10.1494% | 3,219 |
| Tier 1 risk-based capital ratio | 14.1318% | 4,405 |
| Total risk-based capital ratio | 15.3884% | 4,359 |
| Memoranda: | ||
| Average total assets | $2,837,611,500 | 267 |
| Average earning assets | $2,541,384,500 | 267 |
| Average equity | $367,126,500 | 241 |
| Average total loans | $1,859,335,500 | 270 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 3,484 |
| Cost of funding earning assets | 0.7428% | 3,134 |
| Net interest margin | 3.7379% | 3,484 |
| Noninterest income to average assets | 0.8106% | 2,213 |
| Noninterest expense to average assets | 2.3444% | 5,577 |
| Loan and lease loss provision to assets | 0.5354% | 1,080 |
| Net operating income to assets | 0.8299% | 3,141 |
| Return on assets (ROA) | 0.8335% | 3,378 |
| Pretax return on assets | 1.2830% | 2,477 |
| Return on Equity (ROE) | 6.4390% | 3,943 |
| Retained earnings to average equity (ytd only) | 0.7869% | 5,469 |
| Net charge-offs to loans | 0.8611% | 1,330 |
| Credit loss provision to net charge-offs | 95.6877% | 3,246 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 3,805 |
| Efficiency ratio | 55.6004% | 6,106 |
| Assets per employee ($millions) | 4.5353% | 2,898 |
| Cash dividends to net income (ytd only)* | 87.7794% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,516 |
| Loan loss allowance to noncurrent loans | 245.5821% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 3,079 |
| Noncurrent loans to loans | 0.7424% | 4,694 |
| Net loans and leases to total assets | 64.0443% | 2,890 |
| Net loans and leases to deposits | 82.9248% | 1,887 |
| Net loans and leases to core deposits | 94.7479% | 1,402 |
| Total domestic deposits to total assets | 77.2318% | 6,198 |
| Equity capital to assets | 12.9209% | 1,485 |
| Core capital (leverage) ratio | 9.9538% | 3,461 |
| Tier 1 risk-based capital ratio | 13.6820% | 4,613 |
| Total risk-based capital ratio | 14.9374% | 4,560 |
| Memoranda: | ||
| Average total assets | $2,801,783,600 | 263 |
| Average earning assets | $2,508,464,600 | 260 |
| Average equity | $362,698,400 | 242 |
| Average total loans | $1,820,557,800 | 263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,543 |
| Cost of funding earning assets | 0.7702% | 3,186 |
| Net interest margin | 3.7532% | 3,531 |
| Noninterest income to average assets | 0.8522% | 2,024 |
| Noninterest expense to average assets | 2.3210% | 5,632 |
| Loan and lease loss provision to assets | 0.5365% | 1,101 |
| Net operating income to assets | 0.8807% | 3,078 |
| Return on assets (ROA) | 0.8834% | 3,300 |
| Pretax return on assets | 1.3633% | 2,362 |
| Return on Equity (ROE) | 6.8207% | 3,903 |
| Retained earnings to average equity (ytd only) | 0.9294% | 5,800 |
| Net charge-offs to loans | 0.6849% | 1,612 |
| Credit loss provision to net charge-offs | 120.6693% | 2,401 |
| Earnings coverage of net charge-offs (x) | 4.2639% | 3,358 |
| Efficiency ratio | 54.2603% | 6,226 |
| Assets per employee ($millions) | 4.6695% | 2,639 |
| Cash dividends to net income (ytd only)* | 86.3744% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,265 |
| Loan loss allowance to noncurrent loans | 182.0678% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9847% | 2,667 |
| Noncurrent loans to loans | 1.0813% | 4,275 |
| Net loans and leases to total assets | 64.4555% | 2,941 |
| Net loans and leases to deposits | 85.3553% | 1,680 |
| Net loans and leases to core deposits | 97.6542% | 1,289 |
| Total domestic deposits to total assets | 75.5144% | 6,452 |
| Equity capital to assets | 13.0563% | 1,571 |
| Core capital (leverage) ratio | 10.1770% | 3,310 |
| Tier 1 risk-based capital ratio | 14.1840% | 4,389 |
| Total risk-based capital ratio | 15.4418% | 4,354 |
| Memoranda: | ||
| Average total assets | $2,795,854,250 | 265 |
| Average earning assets | $2,506,301,500 | 260 |
| Average equity | $362,103,000 | 244 |
| Average total loans | $1,814,903,250 | 260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 3,650 |
| Cost of funding earning assets | 0.7950% | 3,227 |
| Net interest margin | 3.7338% | 3,668 |
| Noninterest income to average assets | 0.7879% | 2,242 |
| Noninterest expense to average assets | 2.3341% | 5,651 |
| Loan and lease loss provision to assets | 0.5366% | 1,154 |
| Net operating income to assets | 0.8270% | 3,262 |
| Return on assets (ROA) | 0.8287% | 3,517 |
| Pretax return on assets | 1.2721% | 2,646 |
| Return on Equity (ROE) | 6.4158% | 4,087 |
| Retained earnings to average equity (ytd only) | -0.2310% | 6,079 |
| Net charge-offs to loans | 0.7038% | 1,573 |
| Credit loss provision to net charge-offs | 117.9616% | 2,336 |
| Earnings coverage of net charge-offs (x) | 3.9704% | 3,214 |
| Efficiency ratio | 55.5817% | 6,165 |
| Assets per employee ($millions) | 4.6033% | 2,720 |
| Cash dividends to net income (ytd only)* | 103.6001% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 2,497 |
| Loan loss allowance to noncurrent loans | 150.1314% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 2.0510% | 2,723 |
| Noncurrent loans to loans | 1.2765% | 4,002 |
| Net loans and leases to total assets | 64.9908% | 2,845 |
| Net loans and leases to deposits | 84.6152% | 1,775 |
| Net loans and leases to core deposits | 97.2305% | 1,326 |
| Total domestic deposits to total assets | 76.8075% | 6,360 |
| Equity capital to assets | 12.9919% | 1,526 |
| Core capital (leverage) ratio | 9.9894% | 3,432 |
| Tier 1 risk-based capital ratio | 13.9966% | 4,450 |
| Total risk-based capital ratio | 15.2539% | 4,406 |
| Memoranda: | ||
| Average total assets | $2,795,471,670 | 263 |
| Average earning assets | $2,509,744,670 | 260 |
| Average equity | $361,076,000 | 241 |
| Average total loans | $1,806,861,330 | 262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 3,703 |
| Cost of funding earning assets | 0.8111% | 3,381 |
| Net interest margin | 3.7417% | 3,630 |
| Noninterest income to average assets | 0.6458% | 2,951 |
| Noninterest expense to average assets | 2.3212% | 5,714 |
| Loan and lease loss provision to assets | 0.5360% | 1,111 |
| Net operating income to assets | 0.7543% | 3,602 |
| Return on assets (ROA) | 0.7559% | 3,833 |
| Pretax return on assets | 1.1488% | 3,115 |
| Return on Equity (ROE) | 5.8690% | 4,357 |
| Retained earnings to average equity (ytd only) | -5.2297% | 6,596 |
| Net charge-offs to loans | 1.3106% | 776 |
| Credit loss provision to net charge-offs | 64.0807% | 3,034 |
| Earnings coverage of net charge-offs (x) | 2.0113% | 3,339 |
| Efficiency ratio | 57.1566% | 6,024 |
| Assets per employee ($millions) | 4.6967% | 2,669 |
| Cash dividends to net income (ytd only)* | 189.1074% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,998 |
| Loan loss allowance to noncurrent loans | 130.9806% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 2.1401% | 2,740 |
| Noncurrent loans to loans | 1.3730% | 4,054 |
| Net loans and leases to total assets | 62.9821% | 3,047 |
| Net loans and leases to deposits | 81.5631% | 1,992 |
| Net loans and leases to core deposits | 93.2174% | 1,529 |
| Total domestic deposits to total assets | 77.2189% | 6,363 |
| Equity capital to assets | 12.8176% | 1,532 |
| Core capital (leverage) ratio | 9.7856% | 3,665 |
| Tier 1 risk-based capital ratio | 13.5949% | 4,756 |
| Total risk-based capital ratio | 14.8498% | 4,741 |
| Memoranda: | ||
| Average total assets | $2,798,416,500 | 259 |
| Average earning assets | $2,511,259,500 | 256 |
| Average equity | $360,404,000 | 236 |
| Average total loans | $1,786,095,500 | 263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 4,171 |
| Cost of funding earning assets | 0.9847% | 3,479 |
| Net interest margin | 3.7347% | 4,134 |
| Noninterest income to average assets | 0.7990% | 2,070 |
| Noninterest expense to average assets | 2.3864% | 5,807 |
| Loan and lease loss provision to assets | 0.6772% | 1,514 |
| Net operating income to assets | 0.7043% | 3,466 |
| Return on assets (ROA) | 0.7088% | 3,628 |
| Pretax return on assets | 1.0738% | 2,940 |
| Return on Equity (ROE) | 5.2650% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.3748% | 4,534 |
| Net charge-offs to loans | 0.5874% | 2,688 |
| Credit loss provision to net charge-offs | 179.9100% | 1,446 |
| Earnings coverage of net charge-offs (x) | 4.6341% | 3,038 |
| Efficiency ratio | 56.9336% | 6,195 |
| Assets per employee ($millions) | 4.6627% | 2,664 |
| Cash dividends to net income (ytd only)* | 54.8938% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 2,498 |
| Loan loss allowance to noncurrent loans | 77.7677% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.4638% | 2,472 |
| Noncurrent loans to loans | 2.4724% | 2,662 |
| Net loans and leases to total assets | 62.2956% | 3,537 |
| Net loans and leases to deposits | 80.9214% | 2,373 |
| Net loans and leases to core deposits | 92.2767% | 1,862 |
| Total domestic deposits to total assets | 76.9828% | 6,345 |
| Equity capital to assets | 12.9397% | 1,523 |
| Core capital (leverage) ratio | 9.9933% | 3,345 |
| Tier 1 risk-based capital ratio | 14.4208% | 4,030 |
| Total risk-based capital ratio | 15.6780% | 3,999 |
| Memoranda: | ||
| Average total assets | $2,658,141,800 | 270 |
| Average earning assets | $2,371,274,600 | 268 |
| Average equity | $357,837,600 | 236 |
| Average total loans | $1,703,232,800 | 265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 4,273 |
| Cost of funding earning assets | 1.0141% | 3,581 |
| Net interest margin | 3.7269% | 4,217 |
| Noninterest income to average assets | 0.8623% | 1,789 |
| Noninterest expense to average assets | 2.4184% | 5,713 |
| Loan and lease loss provision to assets | 0.6868% | 1,408 |
| Net operating income to assets | 0.7105% | 3,558 |
| Return on assets (ROA) | 0.7155% | 3,705 |
| Pretax return on assets | 1.0836% | 3,078 |
| Return on Equity (ROE) | 5.2604% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.1404% | 5,062 |
| Net charge-offs to loans | 0.6275% | 2,368 |
| Credit loss provision to net charge-offs | 170.4115% | 1,772 |
| Earnings coverage of net charge-offs (x) | 4.3743% | 3,089 |
| Efficiency ratio | 57.0000% | 6,143 |
| Assets per employee ($millions) | 4.6547% | 2,685 |
| Cash dividends to net income (ytd only)* | 59.3104% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,922 |
| Loan loss allowance to noncurrent loans | 71.1317% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.7154% | 2,389 |
| Noncurrent loans to loans | 2.5393% | 2,733 |
| Net loans and leases to total assets | 63.2860% | 3,457 |
| Net loans and leases to deposits | 82.6834% | 2,227 |
| Net loans and leases to core deposits | 97.2816% | 1,490 |
| Total domestic deposits to total assets | 76.5401% | 6,448 |
| Equity capital to assets | 13.1913% | 1,521 |
| Core capital (leverage) ratio | 10.3493% | 3,038 |
| Tier 1 risk-based capital ratio | 14.2701% | 4,147 |
| Total risk-based capital ratio | 15.5257% | 4,103 |
| Memoranda: | ||
| Average total assets | $2,620,935,500 | 270 |
| Average earning assets | $2,334,053,500 | 269 |
| Average equity | $356,493,750 | 237 |
| Average total loans | $1,683,317,000 | 267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 4,211 |
| Cost of funding earning assets | 1.0452% | 3,638 |
| Net interest margin | 3.7246% | 4,153 |
| Noninterest income to average assets | 0.8128% | 1,963 |
| Noninterest expense to average assets | 2.4391% | 5,731 |
| Loan and lease loss provision to assets | 0.6971% | 1,361 |
| Net operating income to assets | 0.6583% | 3,754 |
| Return on assets (ROA) | 0.6622% | 3,854 |
| Pretax return on assets | 0.9944% | 3,260 |
| Return on Equity (ROE) | 4.8172% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.5635% | 4,662 |
| Net charge-offs to loans | 0.7484% | 2,003 |
| Credit loss provision to net charge-offs | 145.2081% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.5113% | 3,147 |
| Efficiency ratio | 58.2743% | 6,127 |
| Assets per employee ($millions) | 4.3763% | 3,033 |
| Cash dividends to net income (ytd only)* | 46.7836% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,365 |
| Loan loss allowance to noncurrent loans | 87.6375% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.4881% | 2,681 |
| Noncurrent loans to loans | 1.9275% | 3,569 |
| Net loans and leases to total assets | 64.6826% | 3,322 |
| Net loans and leases to deposits | 84.3911% | 2,048 |
| Net loans and leases to core deposits | 96.4713% | 1,629 |
| Total domestic deposits to total assets | 76.6462% | 6,501 |
| Equity capital to assets | 13.6961% | 1,209 |
| Core capital (leverage) ratio | 10.5767% | 2,635 |
| Tier 1 risk-based capital ratio | 14.1825% | 4,029 |
| Total risk-based capital ratio | 15.4363% | 3,996 |
| Memoranda: | ||
| Average total assets | $2,582,264,330 | 276 |
| Average earning assets | $2,296,115,670 | 274 |
| Average equity | $354,978,670 | 239 |
| Average total loans | $1,656,433,670 | 277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 4,248 |
| Cost of funding earning assets | 1.0635% | 3,762 |
| Net interest margin | 3.6981% | 4,122 |
| Noninterest income to average assets | 0.8361% | 1,900 |
| Noninterest expense to average assets | 2.4970% | 5,565 |
| Loan and lease loss provision to assets | 0.7018% | 1,203 |
| Net operating income to assets | 0.6193% | 3,929 |
| Return on assets (ROA) | 0.6194% | 3,996 |
| Pretax return on assets | 0.9209% | 3,425 |
| Return on Equity (ROE) | 4.4976% | 4,656 |
| Retained earnings to average equity (ytd only) | 2.2330% | 4,805 |
| Net charge-offs to loans | 1.0149% | 1,347 |
| Credit loss provision to net charge-offs | 109.2233% | 2,444 |
| Earnings coverage of net charge-offs (x) | 2.5252% | 3,071 |
| Efficiency ratio | 59.7501% | 6,019 |
| Assets per employee ($millions) | 4.3917% | 3,057 |
| Cash dividends to net income (ytd only)* | 50.3525% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,648 |
| Loan loss allowance to noncurrent loans | 142.2308% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 2.1427% | 3,139 |
| Noncurrent loans to loans | 1.1405% | 4,799 |
| Net loans and leases to total assets | 62.5162% | 3,757 |
| Net loans and leases to deposits | 82.0392% | 2,358 |
| Net loans and leases to core deposits | 94.4218% | 1,843 |
| Total domestic deposits to total assets | 76.2028% | 6,640 |
| Equity capital to assets | 13.6606% | 1,122 |
| Core capital (leverage) ratio | 10.5421% | 2,569 |
| Tier 1 risk-based capital ratio | 14.3545% | 3,833 |
| Total risk-based capital ratio | 15.6072% | 3,796 |
| Memoranda: | ||
| Average total assets | $2,564,882,000 | 278 |
| Average earning assets | $2,277,298,000 | 278 |
| Average equity | $353,252,000 | 235 |
| Average total loans | $1,623,726,500 | 286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 3,669 |
| Cost of funding earning assets | 1.3071% | 3,839 |
| Net interest margin | 3.8808% | 3,585 |
| Noninterest income to average assets | 0.7648% | 2,459 |
| Noninterest expense to average assets | 2.4440% | 5,961 |
| Loan and lease loss provision to assets | 0.8666% | 1,878 |
| Net operating income to assets | 0.6042% | 3,647 |
| Return on assets (ROA) | 0.6133% | 3,781 |
| Pretax return on assets | 0.9053% | 3,264 |
| Return on Equity (ROE) | 4.4370% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.8719% | 4,552 |
| Net charge-offs to loans | 1.5683% | 1,391 |
| Credit loss provision to net charge-offs | 84.8569% | 5,349 |
| Earnings coverage of net charge-offs (x) | 1.7220% | 4,431 |
| Efficiency ratio | 57.2900% | 6,420 |
| Assets per employee ($millions) | 4.3029% | 3,201 |
| Cash dividends to net income (ytd only)* | 57.8109% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 3,429 |
| Loan loss allowance to noncurrent loans | 140.6916% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9813% | 3,372 |
| Noncurrent loans to loans | 1.1650% | 4,774 |
| Net loans and leases to total assets | 62.0275% | 4,279 |
| Net loans and leases to deposits | 82.1254% | 2,775 |
| Net loans and leases to core deposits | 94.5701% | 2,187 |
| Total domestic deposits to total assets | 75.5277% | 6,695 |
| Equity capital to assets | 13.8866% | 1,070 |
| Core capital (leverage) ratio | 10.5023% | 2,556 |
| Tier 1 risk-based capital ratio | 14.8386% | 3,347 |
| Total risk-based capital ratio | 16.0917% | 3,304 |
| Memoranda: | ||
| Average total assets | $2,538,553,000 | 283 |
| Average earning assets | $2,248,852,800 | 284 |
| Average equity | $350,868,200 | 230 |
| Average total loans | $1,653,130,200 | 289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 3,760 |
| Cost of funding earning assets | 1.3535% | 3,873 |
| Net interest margin | 3.8620% | 3,696 |
| Noninterest income to average assets | 0.8298% | 2,085 |
| Noninterest expense to average assets | 2.4179% | 5,977 |
| Loan and lease loss provision to assets | 0.8407% | 1,808 |
| Net operating income to assets | 0.6662% | 3,566 |
| Return on assets (ROA) | 0.6750% | 3,686 |
| Pretax return on assets | 1.0047% | 3,167 |
| Return on Equity (ROE) | 4.8898% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.3206% | 4,776 |
| Net charge-offs to loans | 1.5899% | 1,240 |
| Credit loss provision to net charge-offs | 80.5639% | 5,112 |
| Earnings coverage of net charge-offs (x) | 1.7557% | 4,397 |
| Efficiency ratio | 56.0376% | 6,553 |
| Assets per employee ($millions) | 4.2886% | 3,284 |
| Cash dividends to net income (ytd only)* | 52.5415% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,541 |
| Loan loss allowance to noncurrent loans | 81.6523% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 2.2972% | 3,085 |
| Noncurrent loans to loans | 1.9538% | 3,742 |
| Net loans and leases to total assets | 64.4558% | 4,030 |
| Net loans and leases to deposits | 86.2302% | 2,288 |
| Net loans and leases to core deposits | 99.8421% | 1,864 |
| Total domestic deposits to total assets | 74.7485% | 6,822 |
| Equity capital to assets | 14.0754% | 1,145 |
| Core capital (leverage) ratio | 10.5742% | 2,616 |
| Tier 1 risk-based capital ratio | 14.4630% | 3,525 |
| Total risk-based capital ratio | 15.7154% | 3,499 |
| Memoranda: | ||
| Average total assets | $2,537,433,500 | 279 |
| Average earning assets | $2,247,223,500 | 284 |
| Average equity | $350,300,000 | 226 |
| Average total loans | $1,665,497,250 | 286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 3,946 |
| Cost of funding earning assets | 1.3952% | 3,902 |
| Net interest margin | 3.8069% | 3,869 |
| Noninterest income to average assets | 0.7544% | 2,363 |
| Noninterest expense to average assets | 2.4060% | 6,056 |
| Loan and lease loss provision to assets | 0.7079% | 2,059 |
| Net operating income to assets | 0.6792% | 3,486 |
| Return on assets (ROA) | 0.6883% | 3,605 |
| Pretax return on assets | 1.0245% | 3,025 |
| Return on Equity (ROE) | 5.0179% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.4373% | 4,605 |
| Net charge-offs to loans | 1.8385% | 1,011 |
| Credit loss provision to net charge-offs | 58.6243% | 5,236 |
| Earnings coverage of net charge-offs (x) | 1.4235% | 4,420 |
| Efficiency ratio | 57.4550% | 6,458 |
| Assets per employee ($millions) | 4.2449% | 3,311 |
| Cash dividends to net income (ytd only)* | 51.4286% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,210 |
| Loan loss allowance to noncurrent loans | 66.7282% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.3583% | 3,067 |
| Noncurrent loans to loans | 2.1636% | 3,515 |
| Net loans and leases to total assets | 64.2681% | 4,206 |
| Net loans and leases to deposits | 87.2084% | 2,304 |
| Net loans and leases to core deposits | 100.3364% | 1,979 |
| Total domestic deposits to total assets | 73.6949% | 7,012 |
| Equity capital to assets | 13.9147% | 1,198 |
| Core capital (leverage) ratio | 10.5938% | 2,547 |
| Tier 1 risk-based capital ratio | 14.3522% | 3,517 |
| Total risk-based capital ratio | 15.6032% | 3,481 |
| Memoranda: | ||
| Average total assets | $2,542,676,670 | 279 |
| Average earning assets | $2,251,153,330 | 283 |
| Average equity | $348,753,670 | 226 |
| Average total loans | $1,670,085,000 | 284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 4,276 |
| Cost of funding earning assets | 1.4492% | 3,885 |
| Net interest margin | 3.7052% | 4,214 |
| Noninterest income to average assets | 0.7912% | 2,067 |
| Noninterest expense to average assets | 2.3842% | 6,148 |
| Loan and lease loss provision to assets | 0.7067% | 1,802 |
| Net operating income to assets | 0.6597% | 3,616 |
| Return on assets (ROA) | 0.6647% | 3,704 |
| Pretax return on assets | 0.9833% | 3,152 |
| Return on Equity (ROE) | 4.8810% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.2859% | 4,765 |
| Net charge-offs to loans | 2.6864% | 603 |
| Credit loss provision to net charge-offs | 39.9113% | 4,647 |
| Earnings coverage of net charge-offs (x) | 0.9503% | 4,198 |
| Efficiency ratio | 57.7425% | 6,521 |
| Assets per employee ($millions) | 4.2668% | 3,348 |
| Cash dividends to net income (ytd only)* | 53.1664% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,353 |
| Loan loss allowance to noncurrent loans | 69.1502% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.3610% | 3,074 |
| Noncurrent loans to loans | 2.0425% | 3,724 |
| Net loans and leases to total assets | 64.2181% | 4,288 |
| Net loans and leases to deposits | 86.4560% | 2,508 |
| Net loans and leases to core deposits | 98.7186% | 2,271 |
| Total domestic deposits to total assets | 74.2784% | 7,008 |
| Equity capital to assets | 13.6908% | 1,247 |
| Core capital (leverage) ratio | 10.4033% | 2,712 |
| Tier 1 risk-based capital ratio | 14.1543% | 3,565 |
| Total risk-based capital ratio | 15.4050% | 3,531 |
| Memoranda: | ||
| Average total assets | $2,546,901,500 | 287 |
| Average earning assets | $2,251,756,000 | 292 |
| Average equity | $346,816,000 | 232 |
| Average total loans | $1,678,849,000 | 293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 4,907 |
| Cost of funding earning assets | 2.1025% | 2,449 |
| Net interest margin | 3.2554% | 5,908 |
| Noninterest income to average assets | 1.0041% | 1,556 |
| Noninterest expense to average assets | 2.4692% | 6,240 |
| Loan and lease loss provision to assets | 0.9871% | 2,297 |
| Net operating income to assets | 0.3045% | 4,521 |
| Return on assets (ROA) | 0.5083% | 3,791 |
| Pretax return on assets | 0.7468% | 3,420 |
| Return on Equity (ROE) | 3.9199% | 4,128 |
| Retained earnings to average equity (ytd only) | 1.2332% | 4,179 |
| Net charge-offs to loans | 1.3017% | 1,909 |
| Credit loss provision to net charge-offs | 111.2371% | 4,941 |
| Earnings coverage of net charge-offs (x) | 1.6162% | 4,530 |
| Efficiency ratio | 62.3447% | 6,091 |
| Assets per employee ($millions) | 4.2655% | 3,321 |
| Cash dividends to net income (ytd only)* | 68.5401% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 2,616 |
| Loan loss allowance to noncurrent loans | 102.0160% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 3,338 |
| Noncurrent loans to loans | 1.7435% | 4,023 |
| Net loans and leases to total assets | 65.5104% | 4,276 |
| Net loans and leases to deposits | 88.8787% | 2,407 |
| Net loans and leases to core deposits | 128.4932% | 1,365 |
| Total domestic deposits to total assets | 73.7077% | 7,056 |
| Equity capital to assets | 13.5436% | 1,301 |
| Core capital (leverage) ratio | 10.2341% | 2,843 |
| Tier 1 risk-based capital ratio | 13.8728% | 3,584 |
| Total risk-based capital ratio | 15.1279% | 3,529 |
| Memoranda: | ||
| Average total assets | $2,583,427,000 | 285 |
| Average earning assets | $2,300,872,200 | 292 |
| Average equity | $334,984,800 | 234 |
| Average total loans | $1,761,130,600 | 293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 5,163 |
| Cost of funding earning assets | 2.2352% | 2,254 |
| Net interest margin | 3.1170% | 6,265 |
| Noninterest income to average assets | 0.9257% | 1,881 |
| Noninterest expense to average assets | 2.4563% | 6,224 |
| Loan and lease loss provision to assets | 0.6171% | 2,924 |
| Net operating income to assets | 0.4250% | 4,303 |
| Return on assets (ROA) | 0.5687% | 3,799 |
| Pretax return on assets | 0.8476% | 3,388 |
| Return on Equity (ROE) | 4.4341% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.7274% | 4,346 |
| Net charge-offs to loans | 1.0231% | 1,929 |
| Credit loss provision to net charge-offs | 88.0153% | 5,538 |
| Earnings coverage of net charge-offs (x) | 1.7832% | 4,459 |
| Efficiency ratio | 65.3116% | 5,498 |
| Assets per employee ($millions) | 4.3179% | 3,177 |
| Cash dividends to net income (ytd only)* | 61.0418% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,389 |
| Loan loss allowance to noncurrent loans | 67.1696% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 3,195 |
| Noncurrent loans to loans | 2.2463% | 3,325 |
| Net loans and leases to total assets | 66.5057% | 4,305 |
| Net loans and leases to deposits | 90.3887% | 2,505 |
| Net loans and leases to core deposits | 129.5062% | 1,462 |
| Total domestic deposits to total assets | 73.5775% | 7,017 |
| Equity capital to assets | 13.6603% | 1,429 |
| Core capital (leverage) ratio | 10.2322% | 3,039 |
| Tier 1 risk-based capital ratio | 13.6977% | 3,712 |
| Total risk-based capital ratio | 14.9493% | 3,662 |
| Memoranda: | ||
| Average total assets | $2,592,652,750 | 294 |
| Average earning assets | $2,313,028,250 | 304 |
| Average equity | $332,508,500 | 239 |
| Average total loans | $1,776,801,000 | 303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 5,264 |
| Cost of funding earning assets | 2.3565% | 2,139 |
| Net interest margin | 3.0210% | 6,485 |
| Noninterest income to average assets | 0.9862% | 1,643 |
| Noninterest expense to average assets | 2.4459% | 6,314 |
| Loan and lease loss provision to assets | 0.4604% | 3,222 |
| Net operating income to assets | 0.5238% | 4,007 |
| Return on assets (ROA) | 0.5549% | 3,977 |
| Pretax return on assets | 0.8246% | 3,587 |
| Return on Equity (ROE) | 4.4207% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.6696% | 4,410 |
| Net charge-offs to loans | 0.7664% | 2,144 |
| Credit loss provision to net charge-offs | 87.2473% | 5,003 |
| Earnings coverage of net charge-offs (x) | 2.3472% | 3,890 |
| Efficiency ratio | 65.4275% | 5,637 |
| Assets per employee ($millions) | 4.2404% | 3,217 |
| Cash dividends to net income (ytd only)* | 62.2321% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,112 |
| Loan loss allowance to noncurrent loans | 68.9045% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 2,932 |
| Noncurrent loans to loans | 2.1977% | 3,258 |
| Net loans and leases to total assets | 67.6071% | 4,234 |
| Net loans and leases to deposits | 93.2516% | 2,222 |
| Net loans and leases to core deposits | 130.9662% | 1,488 |
| Total domestic deposits to total assets | 72.4997% | 7,187 |
| Equity capital to assets | 13.3623% | 1,539 |
| Core capital (leverage) ratio | 9.9550% | 3,341 |
| Tier 1 risk-based capital ratio | 13.3385% | 3,906 |
| Total risk-based capital ratio | 14.5907% | 3,842 |
| Memoranda: | ||
| Average total assets | $2,606,235,000 | 301 |
| Average earning assets | $2,327,958,330 | 308 |
| Average equity | $327,145,670 | 246 |
| Average total loans | $1,794,680,000 | 309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 5,379 |
| Cost of funding earning assets | 2.4452% | 2,123 |
| Net interest margin | 2.9632% | 6,578 |
| Noninterest income to average assets | 0.9918% | 1,505 |
| Noninterest expense to average assets | 2.3318% | 6,431 |
| Loan and lease loss provision to assets | 0.4576% | 2,637 |
| Net operating income to assets | 0.5668% | 4,153 |
| Return on assets (ROA) | 0.6217% | 4,112 |
| Pretax return on assets | 0.9324% | 3,595 |
| Return on Equity (ROE) | 5.1150% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.2914% | 4,599 |
| Net charge-offs to loans | 0.5708% | 2,040 |
| Credit loss provision to net charge-offs | 116.2340% | 3,357 |
| Earnings coverage of net charge-offs (x) | 3.3227% | 3,213 |
| Efficiency ratio | 63.1061% | 5,854 |
| Assets per employee ($millions) | 4.4039% | 2,877 |
| Cash dividends to net income (ytd only)* | 55.2012% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 2,645 |
| Loan loss allowance to noncurrent loans | 81.9592% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.0091% | 2,885 |
| Noncurrent loans to loans | 1.9163% | 3,384 |
| Net loans and leases to total assets | 66.8687% | 4,371 |
| Net loans and leases to deposits | 91.6302% | 2,663 |
| Net loans and leases to core deposits | 128.9410% | 1,720 |
| Total domestic deposits to total assets | 72.9767% | 7,057 |
| Equity capital to assets | 13.1007% | 1,702 |
| Core capital (leverage) ratio | 9.8095% | 3,627 |
| Tier 1 risk-based capital ratio | 13.0901% | 4,130 |
| Total risk-based capital ratio | 14.3429% | 4,035 |
| Memoranda: | ||
| Average total assets | $2,622,394,500 | 296 |
| Average earning assets | $2,343,548,000 | 306 |
| Average equity | $318,751,000 | 253 |
| Average total loans | $1,808,566,500 | 310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3194% | 3,858 |
| Cost of funding earning assets | 3.1925% | 1,213 |
| Net interest margin | 3.1269% | 6,569 |
| Noninterest income to average assets | 1.0306% | 1,481 |
| Noninterest expense to average assets | 2.4244% | 6,315 |
| Loan and lease loss provision to assets | 0.7574% | 1,973 |
| Net operating income to assets | 0.4194% | 5,076 |
| Return on assets (ROA) | 0.4584% | 4,737 |
| Pretax return on assets | 0.6939% | 4,419 |
| Return on Equity (ROE) | 3.9563% | 4,842 |
| Retained earnings to average equity (ytd only) | 1.8920% | 4,050 |
| Net charge-offs to loans | 0.5885% | 2,063 |
| Credit loss provision to net charge-offs | 180.1973% | 2,796 |
| Earnings coverage of net charge-offs (x) | 3.3120% | 4,427 |
| Efficiency ratio | 62.5578% | 5,847 |
| Assets per employee ($millions) | 4.4408% | 2,710 |
| Cash dividends to net income (ytd only)* | 52.1785% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 2,630 |
| Loan loss allowance to noncurrent loans | 183.9513% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 3,974 |
| Noncurrent loans to loans | 0.8205% | 4,998 |
| Net loans and leases to total assets | 68.9455% | 4,264 |
| Net loans and leases to deposits | 92.1732% | 3,100 |
| Net loans and leases to core deposits | 132.2263% | 1,707 |
| Total domestic deposits to total assets | 74.8000% | 6,496 |
| Equity capital to assets | 11.2043% | 2,884 |
| Core capital (leverage) ratio | 7.8163% | 6,779 |
| Tier 1 risk-based capital ratio | 10.1583% | 6,569 |
| Total risk-based capital ratio | 11.4104% | 6,423 |
| Memoranda: | ||
| Average total assets | $2,508,437,600 | 302 |
| Average earning assets | $2,234,975,000 | 301 |
| Average equity | $290,649,800 | 273 |
| Average total loans | $1,791,658,800 | 307 |