Home > Miners Bank > Performance and Condition Ratios
Miners Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,622 |
| Cost of funding earning assets | 0.3754% | 3,971 |
| Net interest margin | 4.1998% | 1,300 |
| Noninterest income to average assets | 0.1688% | 5,845 |
| Noninterest expense to average assets | 3.7427% | 1,074 |
| Loan and lease loss provision to assets | 0.1450% | 1,823 |
| Net operating income to assets | 0.1507% | 5,876 |
| Return on assets (ROA) | 0.1818% | 5,850 |
| Pretax return on assets | 0.1616% | 5,927 |
| Return on Equity (ROE) | 1.6696% | 5,847 |
| Retained earnings to average equity (ytd only) | -4.6247% | 6,164 |
| Net charge-offs to loans | 0.0715% | 3,456 |
| Credit loss provision to net charge-offs | 245.1220% | 1,039 |
| Earnings coverage of net charge-offs (x) | 4.6585% | 3,593 |
| Efficiency ratio | 93.1431% | 640 |
| Assets per employee ($millions) | 3.6406% | 4,644 |
| Cash dividends to net income (ytd only)* | 376.9841% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 4,263 |
| Loan loss allowance to noncurrent loans | 356.0847% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 4,858 |
| Noncurrent loans to loans | 0.3239% | 4,677 |
| Net loans and leases to total assets | 83.3790% | 389 |
| Net loans and leases to deposits | 98.1702% | 747 |
| Net loans and leases to core deposits | 108.2205% | 879 |
| Total domestic deposits to total assets | 84.9331% | 3,312 |
| Equity capital to assets | 10.6821% | 3,261 |
| Core capital (leverage) ratio | 10.0973% | 3,439 |
| Tier 1 risk-based capital ratio | 12.9000% | 4,797 |
| Total risk-based capital ratio | 14.1398% | 4,715 |
| Memoranda: | ||
| Average total assets | $138,644,600 | 3,828 |
| Average earning assets | $127,077,800 | 3,822 |
| Average equity | $15,093,000 | 3,814 |
| Average total loans | $114,753,200 | 3,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 1,513 |
| Cost of funding earning assets | 0.3728% | 4,098 |
| Net interest margin | 4.2475% | 1,163 |
| Noninterest income to average assets | 0.5613% | 3,130 |
| Noninterest expense to average assets | 3.8302% | 930 |
| Loan and lease loss provision to assets | 0.1519% | 1,637 |
| Net operating income to assets | 0.3754% | 5,342 |
| Return on assets (ROA) | 0.4085% | 5,290 |
| Pretax return on assets | 0.5084% | 5,306 |
| Return on Equity (ROE) | 3.7349% | 5,269 |
| Retained earnings to average equity (ytd only) | -2.8561% | 6,134 |
| Net charge-offs to loans | 0.0478% | 3,539 |
| Credit loss provision to net charge-offs | 385.3659% | 733 |
| Earnings coverage of net charge-offs (x) | 15.7061% | 2,039 |
| Efficiency ratio | 86.0877% | 1,175 |
| Assets per employee ($millions) | 3.6836% | 4,521 |
| Cash dividends to net income (ytd only)* | 176.4722% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,480 |
| Loan loss allowance to noncurrent loans | 320.7637% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 3,595 |
| Noncurrent loans to loans | 0.3597% | 4,829 |
| Net loans and leases to total assets | 82.2565% | 488 |
| Net loans and leases to deposits | 95.2523% | 938 |
| Net loans and leases to core deposits | 104.6936% | 1,055 |
| Total domestic deposits to total assets | 86.3564% | 2,669 |
| Equity capital to assets | 10.8067% | 3,172 |
| Core capital (leverage) ratio | 10.3158% | 3,275 |
| Tier 1 risk-based capital ratio | 13.1963% | 4,730 |
| Total risk-based capital ratio | 14.4257% | 4,681 |
| Memoranda: | ||
| Average total assets | $138,720,000 | 3,854 |
| Average earning assets | $126,972,750 | 3,852 |
| Average equity | $15,171,750 | 3,823 |
| Average total loans | $114,267,750 | 3,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 1,555 |
| Cost of funding earning assets | 0.3625% | 4,288 |
| Net interest margin | 4.2296% | 1,182 |
| Noninterest income to average assets | 0.5900% | 2,866 |
| Noninterest expense to average assets | 3.9580% | 795 |
| Loan and lease loss provision to assets | 0.0983% | 2,388 |
| Net operating income to assets | 0.3355% | 5,449 |
| Return on assets (ROA) | 0.3355% | 5,519 |
| Pretax return on assets | 0.3977% | 5,570 |
| Return on Equity (ROE) | 3.0553% | 5,512 |
| Retained earnings to average equity (ytd only) | -6.8218% | 6,340 |
| Net charge-offs to loans | 0.0687% | 3,015 |
| Credit loss provision to net charge-offs | 174.3590% | 1,309 |
| Earnings coverage of net charge-offs (x) | 8.7949% | 2,444 |
| Efficiency ratio | 88.8636% | 1,005 |
| Assets per employee ($millions) | 3.2773% | 5,296 |
| Cash dividends to net income (ytd only)* | 323.2759% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 4,972 |
| Loan loss allowance to noncurrent loans | 227.9492% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 3,693 |
| Noncurrent loans to loans | 0.4754% | 4,572 |
| Net loans and leases to total assets | 81.3586% | 536 |
| Net loans and leases to deposits | 94.9971% | 880 |
| Net loans and leases to core deposits | 104.4189% | 990 |
| Total domestic deposits to total assets | 85.6432% | 3,219 |
| Equity capital to assets | 10.6207% | 3,284 |
| Core capital (leverage) ratio | 10.3662% | 3,120 |
| Tier 1 risk-based capital ratio | 13.1240% | 4,835 |
| Total risk-based capital ratio | 14.2820% | 4,821 |
| Memoranda: | ||
| Average total assets | $138,300,670 | 3,882 |
| Average earning assets | $126,348,000 | 3,883 |
| Average equity | $15,186,670 | 3,825 |
| Average total loans | $113,528,670 | 3,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 1,377 |
| Cost of funding earning assets | 0.3581% | 4,457 |
| Net interest margin | 4.2911% | 1,015 |
| Noninterest income to average assets | 0.6862% | 2,246 |
| Noninterest expense to average assets | 4.1054% | 679 |
| Loan and lease loss provision to assets | 0.0788% | 2,574 |
| Net operating income to assets | 0.3504% | 5,310 |
| Return on assets (ROA) | 0.3504% | 5,370 |
| Pretax return on assets | 0.4205% | 5,385 |
| Return on Equity (ROE) | 3.1380% | 5,418 |
| Retained earnings to average equity (ytd only) | -4.7070% | 6,102 |
| Net charge-offs to loans | 0.0677% | 2,475 |
| Credit loss provision to net charge-offs | 142.1053% | 1,306 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,974 |
| Efficiency ratio | 89.1566% | 1,113 |
| Assets per employee ($millions) | 3.2509% | 5,446 |
| Cash dividends to net income (ytd only)* | 250.0000% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,123 |
| Loan loss allowance to noncurrent loans | 518.9076% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 4,490 |
| Noncurrent loans to loans | 0.2118% | 5,458 |
| Net loans and leases to total assets | 81.4056% | 409 |
| Net loans and leases to deposits | 96.3672% | 632 |
| Net loans and leases to core deposits | 102.8139% | 936 |
| Total domestic deposits to total assets | 84.4744% | 4,093 |
| Equity capital to assets | 11.1612% | 2,564 |
| Core capital (leverage) ratio | 10.6312% | 2,778 |
| Tier 1 risk-based capital ratio | 13.9887% | 4,341 |
| Total risk-based capital ratio | 15.1742% | 4,320 |
| Memoranda: | ||
| Average total assets | $136,989,500 | 3,938 |
| Average earning assets | $125,096,500 | 3,943 |
| Average equity | $15,296,500 | 3,808 |
| Average total loans | $112,338,500 | 3,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 1,367 |
| Cost of funding earning assets | 0.4319% | 4,298 |
| Net interest margin | 4.3490% | 1,006 |
| Noninterest income to average assets | 0.4898% | 3,820 |
| Noninterest expense to average assets | 3.9108% | 975 |
| Loan and lease loss provision to assets | 0.1623% | 2,251 |
| Net operating income to assets | 0.3399% | 5,378 |
| Return on assets (ROA) | 0.4392% | 5,118 |
| Pretax return on assets | 0.5612% | 5,004 |
| Return on Equity (ROE) | 3.8955% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.8955% | 3,430 |
| Net charge-offs to loans | 0.1960% | 2,896 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.6743% | 3,786 |
| Efficiency ratio | 86.0446% | 1,412 |
| Assets per employee ($millions) | 3.3523% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,193 |
| Loan loss allowance to noncurrent loans | 105.8671% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 3,782 |
| Noncurrent loans to loans | 1.0321% | 3,451 |
| Net loans and leases to total assets | 80.8095% | 517 |
| Net loans and leases to deposits | 98.3050% | 574 |
| Net loans and leases to core deposits | 105.0160% | 855 |
| Total domestic deposits to total assets | 82.2028% | 4,804 |
| Equity capital to assets | 11.1712% | 2,456 |
| Core capital (leverage) ratio | 10.9428% | 2,441 |
| Tier 1 risk-based capital ratio | 14.2392% | 4,123 |
| Total risk-based capital ratio | 15.4235% | 4,116 |
| Memoranda: | ||
| Average total assets | $134,344,600 | 3,991 |
| Average earning assets | $124,096,800 | 3,969 |
| Average equity | $15,145,800 | 3,838 |
| Average total loans | $111,212,800 | 3,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 1,393 |
| Cost of funding earning assets | 0.4439% | 4,343 |
| Net interest margin | 4.3366% | 1,015 |
| Noninterest income to average assets | 0.4881% | 3,887 |
| Noninterest expense to average assets | 3.9569% | 900 |
| Loan and lease loss provision to assets | 0.1597% | 2,264 |
| Net operating income to assets | 0.2988% | 5,616 |
| Return on assets (ROA) | 0.4302% | 5,258 |
| Pretax return on assets | 0.5600% | 5,172 |
| Return on Equity (ROE) | 3.8072% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.8072% | 3,976 |
| Net charge-offs to loans | 0.2404% | 2,371 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,919 |
| Efficiency ratio | 87.0846% | 1,248 |
| Assets per employee ($millions) | 3.3210% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 5,487 |
| Loan loss allowance to noncurrent loans | 102.4159% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 3,889 |
| Noncurrent loans to loans | 1.0344% | 3,734 |
| Net loans and leases to total assets | 81.4145% | 412 |
| Net loans and leases to deposits | 94.6241% | 781 |
| Net loans and leases to core deposits | 97.6954% | 1,263 |
| Total domestic deposits to total assets | 86.0400% | 3,229 |
| Equity capital to assets | 11.2015% | 2,564 |
| Core capital (leverage) ratio | 10.8214% | 2,649 |
| Tier 1 risk-based capital ratio | 14.2599% | 4,246 |
| Total risk-based capital ratio | 15.4206% | 4,254 |
| Memoranda: | ||
| Average total assets | $133,570,000 | 4,046 |
| Average earning assets | $123,749,250 | 4,007 |
| Average equity | $15,093,750 | 3,899 |
| Average total loans | $110,942,500 | 3,247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 1,319 |
| Cost of funding earning assets | 0.4581% | 4,339 |
| Net interest margin | 4.3470% | 944 |
| Noninterest income to average assets | 0.4717% | 4,015 |
| Noninterest expense to average assets | 3.9033% | 978 |
| Loan and lease loss provision to assets | 0.1055% | 3,027 |
| Net operating income to assets | 0.3858% | 5,264 |
| Return on assets (ROA) | 0.3858% | 5,429 |
| Pretax return on assets | 0.4958% | 5,394 |
| Return on Equity (ROE) | 3.4040% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.4040% | 4,150 |
| Net charge-offs to loans | 0.2912% | 2,022 |
| Credit loss provision to net charge-offs | 43.4783% | 3,350 |
| Earnings coverage of net charge-offs (x) | 2.4783% | 3,698 |
| Efficiency ratio | 85.9150% | 1,418 |
| Assets per employee ($millions) | 3.2404% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,717 |
| Loan loss allowance to noncurrent loans | 178.8976% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 4,648 |
| Noncurrent loans to loans | 0.5740% | 4,826 |
| Net loans and leases to total assets | 82.4125% | 331 |
| Net loans and leases to deposits | 96.4925% | 636 |
| Net loans and leases to core deposits | 99.7186% | 1,101 |
| Total domestic deposits to total assets | 85.4083% | 3,689 |
| Equity capital to assets | 11.3363% | 2,431 |
| Core capital (leverage) ratio | 10.8724% | 2,478 |
| Tier 1 risk-based capital ratio | 14.4750% | 4,119 |
| Total risk-based capital ratio | 15.6172% | 4,137 |
| Memoranda: | ||
| Average total assets | $132,706,670 | 4,083 |
| Average earning assets | $123,119,000 | 4,055 |
| Average equity | $15,041,000 | 3,937 |
| Average total loans | $110,576,330 | 3,259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,318 |
| Cost of funding earning assets | 0.4771% | 4,303 |
| Net interest margin | 4.3102% | 951 |
| Noninterest income to average assets | 0.5248% | 3,606 |
| Noninterest expense to average assets | 3.9176% | 976 |
| Loan and lease loss provision to assets | 0.0694% | 3,472 |
| Net operating income to assets | 0.4162% | 5,062 |
| Return on assets (ROA) | 0.4162% | 5,213 |
| Pretax return on assets | 0.5429% | 5,139 |
| Return on Equity (ROE) | 3.6724% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.6724% | 4,028 |
| Net charge-offs to loans | 0.0036% | 4,096 |
| Credit loss provision to net charge-offs | 2,300.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 198 |
| Efficiency ratio | 85.7523% | 1,544 |
| Assets per employee ($millions) | 3.4193% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,529 |
| Loan loss allowance to noncurrent loans | 244.9020% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 5,344 |
| Noncurrent loans to loans | 0.4566% | 5,278 |
| Net loans and leases to total assets | 82.8318% | 247 |
| Net loans and leases to deposits | 97.0590% | 488 |
| Net loans and leases to core deposits | 100.0553% | 945 |
| Total domestic deposits to total assets | 85.3417% | 3,870 |
| Equity capital to assets | 11.3190% | 2,613 |
| Core capital (leverage) ratio | 10.8317% | 2,424 |
| Tier 1 risk-based capital ratio | 14.2743% | 4,307 |
| Total risk-based capital ratio | 15.5238% | 4,280 |
| Memoranda: | ||
| Average total assets | $132,632,000 | 4,126 |
| Average earning assets | $123,243,500 | 4,087 |
| Average equity | $15,031,000 | 3,991 |
| Average total loans | $110,551,500 | 3,275 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 1,784 |
| Cost of funding earning assets | 0.6581% | 3,851 |
| Net interest margin | 4.2582% | 1,501 |
| Noninterest income to average assets | 0.3961% | 4,645 |
| Noninterest expense to average assets | 3.9564% | 1,026 |
| Loan and lease loss provision to assets | 0.1909% | 3,253 |
| Net operating income to assets | 0.1466% | 5,898 |
| Return on assets (ROA) | 0.5953% | 4,522 |
| Pretax return on assets | 0.7914% | 4,327 |
| Return on Equity (ROE) | 5.4025% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.7178% | 2,903 |
| Net charge-offs to loans | 0.1683% | 4,033 |
| Credit loss provision to net charge-offs | 147.9532% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.9766% | 3,937 |
| Efficiency ratio | 90.1617% | 1,054 |
| Assets per employee ($millions) | 3.4714% | 5,070 |
| Cash dividends to net income (ytd only)* | 12.6743% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,466 |
| Loan loss allowance to noncurrent loans | 247.8788% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 5,454 |
| Noncurrent loans to loans | 0.4525% | 5,372 |
| Net loans and leases to total assets | 82.0010% | 325 |
| Net loans and leases to deposits | 96.7765% | 574 |
| Net loans and leases to core deposits | 100.2567% | 1,008 |
| Total domestic deposits to total assets | 84.7324% | 3,978 |
| Equity capital to assets | 11.3469% | 2,585 |
| Core capital (leverage) ratio | 10.7423% | 2,503 |
| Tier 1 risk-based capital ratio | 14.3492% | 4,125 |
| Total risk-based capital ratio | 15.5963% | 4,089 |
| Memoranda: | ||
| Average total assets | $132,543,200 | 4,095 |
| Average earning assets | $122,773,600 | 4,043 |
| Average equity | $14,604,400 | 4,040 |
| Average total loans | $101,630,600 | 3,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 1,943 |
| Cost of funding earning assets | 0.7040% | 3,729 |
| Net interest margin | 4.2144% | 1,694 |
| Noninterest income to average assets | 0.3708% | 4,863 |
| Noninterest expense to average assets | 3.9667% | 983 |
| Loan and lease loss provision to assets | 0.2261% | 2,801 |
| Net operating income to assets | 0.0624% | 6,191 |
| Return on assets (ROA) | 0.6440% | 4,431 |
| Pretax return on assets | 0.8781% | 4,200 |
| Return on Equity (ROE) | 5.8887% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.8887% | 2,770 |
| Net charge-offs to loans | 0.2274% | 3,357 |
| Credit loss provision to net charge-offs | 132.3529% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,365 |
| Efficiency ratio | 91.7254% | 901 |
| Assets per employee ($millions) | 3.4707% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,590 |
| Loan loss allowance to noncurrent loans | 750.0000% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 6,318 |
| Noncurrent loans to loans | 0.1508% | 6,231 |
| Net loans and leases to total assets | 77.5144% | 787 |
| Net loans and leases to deposits | 89.8412% | 1,165 |
| Net loans and leases to core deposits | 95.8743% | 1,421 |
| Total domestic deposits to total assets | 86.2793% | 3,102 |
| Equity capital to assets | 11.0337% | 3,229 |
| Core capital (leverage) ratio | 10.4805% | 2,935 |
| Tier 1 risk-based capital ratio | 14.4468% | 4,223 |
| Total risk-based capital ratio | 15.6798% | 4,200 |
| Memoranda: | ||
| Average total assets | $132,700,750 | 4,118 |
| Average earning assets | $122,908,000 | 4,079 |
| Average equity | $14,513,500 | 4,102 |
| Average total loans | $99,689,000 | 3,565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 2,183 |
| Cost of funding earning assets | 0.7359% | 3,713 |
| Net interest margin | 4.1467% | 1,921 |
| Noninterest income to average assets | 0.3277% | 5,206 |
| Noninterest expense to average assets | 3.7856% | 1,240 |
| Loan and lease loss provision to assets | 0.0531% | 5,001 |
| Net operating income to assets | 0.2688% | 5,708 |
| Return on assets (ROA) | 0.2837% | 5,867 |
| Pretax return on assets | 0.3459% | 5,837 |
| Return on Equity (ROE) | 2.6021% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,881 |
| Net charge-offs to loans | 0.3486% | 2,622 |
| Credit loss provision to net charge-offs | 20.5882% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1.4765% | 4,260 |
| Efficiency ratio | 89.5849% | 1,103 |
| Assets per employee ($millions) | 3.4398% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,143 |
| Loan loss allowance to noncurrent loans | 341.2162% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,141 |
| Noncurrent loans to loans | 0.2943% | 5,973 |
| Net loans and leases to total assets | 72.3710% | 1,500 |
| Net loans and leases to deposits | 83.2123% | 1,957 |
| Net loans and leases to core deposits | 88.4475% | 2,156 |
| Total domestic deposits to total assets | 86.9715% | 2,784 |
| Equity capital to assets | 10.5072% | 3,680 |
| Core capital (leverage) ratio | 10.1842% | 3,162 |
| Tier 1 risk-based capital ratio | 14.2587% | 4,262 |
| Total risk-based capital ratio | 15.3181% | 4,363 |
| Memoranda: | ||
| Average total assets | $131,815,000 | 4,165 |
| Average earning assets | $122,025,670 | 4,126 |
| Average equity | $14,373,000 | 4,118 |
| Average total loans | $97,544,670 | 3,636 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 1,849 |
| Cost of funding earning assets | 0.7515% | 3,854 |
| Net interest margin | 4.2605% | 1,589 |
| Noninterest income to average assets | 0.4623% | 4,209 |
| Noninterest expense to average assets | 3.7448% | 1,306 |
| Loan and lease loss provision to assets | 0.0621% | 4,646 |
| Net operating income to assets | 0.4530% | 5,021 |
| Return on assets (ROA) | 0.4530% | 5,209 |
| Pretax return on assets | 0.5957% | 5,135 |
| Return on Equity (ROE) | 4.0751% | 5,259 |
| Retained earnings to average equity (ytd only) | 4.0751% | 4,147 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6505% | 1,724 |
| Assets per employee ($millions) | 3.0736% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,440 |
| Loan loss allowance to noncurrent loans | 265.3759% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 5,783 |
| Noncurrent loans to loans | 0.4561% | 5,767 |
| Net loans and leases to total assets | 71.9487% | 1,414 |
| Net loans and leases to deposits | 83.1295% | 1,775 |
| Net loans and leases to core deposits | 88.6464% | 1,985 |
| Total domestic deposits to total assets | 86.5501% | 3,212 |
| Equity capital to assets | 10.8970% | 3,031 |
| Core capital (leverage) ratio | 10.4851% | 2,766 |
| Tier 1 risk-based capital ratio | 14.9038% | 3,821 |
| Total risk-based capital ratio | 16.1555% | 3,790 |
| Memoranda: | ||
| Average total assets | $128,927,000 | 4,258 |
| Average earning assets | $119,233,500 | 4,220 |
| Average equity | $14,331,000 | 4,129 |
| Average total loans | $96,024,000 | 3,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 1,843 |
| Cost of funding earning assets | 0.9466% | 3,740 |
| Net interest margin | 4.3102% | 1,667 |
| Noninterest income to average assets | 0.5620% | 3,416 |
| Noninterest expense to average assets | 3.7935% | 1,358 |
| Loan and lease loss provision to assets | 0.1687% | 4,531 |
| Net operating income to assets | 0.4343% | 4,718 |
| Return on assets (ROA) | 0.5003% | 4,634 |
| Pretax return on assets | 0.6707% | 4,434 |
| Return on Equity (ROE) | 5.0519% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.0519% | 2,601 |
| Net charge-offs to loans | 0.1276% | 5,118 |
| Credit loss provision to net charge-offs | 172.2689% | 1,546 |
| Earnings coverage of net charge-offs (x) | 7.6723% | 2,293 |
| Efficiency ratio | 82.0206% | 2,023 |
| Assets per employee ($millions) | 3.3076% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 5,414 |
| Loan loss allowance to noncurrent loans | 317.1745% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 5,993 |
| Noncurrent loans to loans | 0.3769% | 5,962 |
| Net loans and leases to total assets | 75.3025% | 1,050 |
| Net loans and leases to deposits | 87.7214% | 1,423 |
| Net loans and leases to core deposits | 93.9284% | 1,707 |
| Total domestic deposits to total assets | 85.8428% | 3,406 |
| Equity capital to assets | 11.3455% | 2,645 |
| Core capital (leverage) ratio | 10.8353% | 2,404 |
| Tier 1 risk-based capital ratio | 15.1864% | 3,524 |
| Total risk-based capital ratio | 16.4367% | 3,487 |
| Memoranda: | ||
| Average total assets | $121,523,200 | 4,357 |
| Average earning assets | $112,292,400 | 4,324 |
| Average equity | $12,035,000 | 4,544 |
| Average total loans | $93,277,000 | 3,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 1,831 |
| Cost of funding earning assets | 1.0082% | 3,624 |
| Net interest margin | 4.2975% | 1,724 |
| Noninterest income to average assets | 0.5456% | 3,542 |
| Noninterest expense to average assets | 3.7659% | 1,366 |
| Loan and lease loss provision to assets | 0.1084% | 5,081 |
| Net operating income to assets | 0.4659% | 4,695 |
| Return on assets (ROA) | 0.4659% | 4,887 |
| Pretax return on assets | 0.6430% | 4,675 |
| Return on Equity (ROE) | 4.8901% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.8901% | 3,247 |
| Net charge-offs to loans | 0.1684% | 4,447 |
| Credit loss provision to net charge-offs | 83.7607% | 4,013 |
| Earnings coverage of net charge-offs (x) | 5.8033% | 2,692 |
| Efficiency ratio | 81.8961% | 1,995 |
| Assets per employee ($millions) | 3.3171% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,843 |
| Loan loss allowance to noncurrent loans | 234.7630% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 5,877 |
| Noncurrent loans to loans | 0.4733% | 5,898 |
| Net loans and leases to total assets | 75.4186% | 1,072 |
| Net loans and leases to deposits | 88.2695% | 1,402 |
| Net loans and leases to core deposits | 94.4356% | 1,751 |
| Total domestic deposits to total assets | 85.4413% | 3,533 |
| Equity capital to assets | 11.5162% | 2,665 |
| Core capital (leverage) ratio | 10.7723% | 2,595 |
| Tier 1 risk-based capital ratio | 15.4903% | 3,393 |
| Total risk-based capital ratio | 16.7139% | 3,379 |
| Memoranda: | ||
| Average total assets | $120,481,750 | 4,410 |
| Average earning assets | $111,348,500 | 4,379 |
| Average equity | $11,478,750 | 4,700 |
| Average total loans | $92,648,250 | 3,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 1,761 |
| Cost of funding earning assets | 1.1066% | 3,194 |
| Net interest margin | 4.2295% | 1,922 |
| Noninterest income to average assets | 0.5479% | 3,487 |
| Noninterest expense to average assets | 3.8068% | 1,337 |
| Loan and lease loss provision to assets | 0.0635% | 5,508 |
| Net operating income to assets | 0.4293% | 4,814 |
| Return on assets (ROA) | 0.4293% | 4,962 |
| Pretax return on assets | 0.5913% | 4,765 |
| Return on Equity (ROE) | 4.8520% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.8520% | 3,086 |
| Net charge-offs to loans | 0.2079% | 3,904 |
| Credit loss provision to net charge-offs | 39.5833% | 4,826 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,970 |
| Efficiency ratio | 83.8263% | 1,840 |
| Assets per employee ($millions) | 3.1699% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 6,051 |
| Loan loss allowance to noncurrent loans | 103.3024% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,002 |
| Noncurrent loans to loans | 1.0419% | 4,912 |
| Net loans and leases to total assets | 76.3756% | 1,023 |
| Net loans and leases to deposits | 87.6340% | 1,547 |
| Net loans and leases to core deposits | 93.9043% | 1,904 |
| Total domestic deposits to total assets | 87.1530% | 2,655 |
| Equity capital to assets | 8.9336% | 5,672 |
| Core capital (leverage) ratio | 8.0510% | 6,235 |
| Tier 1 risk-based capital ratio | 11.8150% | 5,929 |
| Total risk-based capital ratio | 13.0179% | 5,956 |
| Memoranda: | ||
| Average total assets | $119,732,000 | 4,462 |
| Average earning assets | $110,793,000 | 4,418 |
| Average equity | $10,593,670 | 4,900 |
| Average total loans | $92,330,330 | 3,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 1,513 |
| Cost of funding earning assets | 1.1525% | 3,144 |
| Net interest margin | 4.2622% | 1,695 |
| Noninterest income to average assets | 0.5596% | 3,437 |
| Noninterest expense to average assets | 3.7664% | 1,406 |
| Loan and lease loss provision to assets | 0.1273% | 4,402 |
| Net operating income to assets | 0.4423% | 4,757 |
| Return on assets (ROA) | 0.4423% | 4,839 |
| Pretax return on assets | 0.6065% | 4,659 |
| Return on Equity (ROE) | 5.0238% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.0238% | 3,178 |
| Net charge-offs to loans | 0.4174% | 2,435 |
| Credit loss provision to net charge-offs | 39.5833% | 3,956 |
| Earnings coverage of net charge-offs (x) | 2.2813% | 3,176 |
| Efficiency ratio | 82.2040% | 2,193 |
| Assets per employee ($millions) | 3.1831% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 6,083 |
| Loan loss allowance to noncurrent loans | 154.9536% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 5,642 |
| Noncurrent loans to loans | 0.7032% | 5,610 |
| Net loans and leases to total assets | 75.1232% | 1,159 |
| Net loans and leases to deposits | 84.9564% | 1,884 |
| Net loans and leases to core deposits | 91.2025% | 2,212 |
| Total domestic deposits to total assets | 88.4255% | 2,125 |
| Equity capital to assets | 8.7445% | 5,588 |
| Core capital (leverage) ratio | 8.1419% | 6,067 |
| Tier 1 risk-based capital ratio | 11.6698% | 5,961 |
| Total risk-based capital ratio | 12.8755% | 5,988 |
| Memoranda: | ||
| Average total assets | $119,370,000 | 4,502 |
| Average earning assets | $110,366,000 | 4,455 |
| Average equity | $10,510,000 | 4,914 |
| Average total loans | $91,995,500 | 3,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 3,224 |
| Cost of funding earning assets | 1.1340% | 4,942 |
| Net interest margin | 4.1447% | 2,390 |
| Noninterest income to average assets | 0.5410% | 3,879 |
| Noninterest expense to average assets | 3.5916% | 1,946 |
| Loan and lease loss provision to assets | 0.2813% | 4,555 |
| Net operating income to assets | 0.3814% | 4,632 |
| Return on assets (ROA) | 0.4815% | 4,343 |
| Pretax return on assets | 0.6529% | 4,154 |
| Return on Equity (ROE) | 5.2687% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.5583% | 2,685 |
| Net charge-offs to loans | 0.1259% | 5,636 |
| Credit loss provision to net charge-offs | 283.6364% | 962 |
| Earnings coverage of net charge-offs (x) | 8.0545% | 2,020 |
| Efficiency ratio | 80.1602% | 2,393 |
| Assets per employee ($millions) | 3.0996% | 5,881 |
| Cash dividends to net income (ytd only)* | 13.4831% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,737 |
| Loan loss allowance to noncurrent loans | 96.9780% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 5,155 |
| Noncurrent loans to loans | 1.1854% | 4,736 |
| Net loans and leases to total assets | 77.3153% | 1,047 |
| Net loans and leases to deposits | 87.7845% | 1,829 |
| Net loans and leases to core deposits | 94.8179% | 2,155 |
| Total domestic deposits to total assets | 88.0739% | 2,206 |
| Equity capital to assets | 8.8662% | 5,331 |
| Core capital (leverage) ratio | 8.4863% | 5,390 |
| Tier 1 risk-based capital ratio | 11.6078% | 5,811 |
| Total risk-based capital ratio | 12.8593% | 5,821 |
| Memoranda: | ||
| Average total assets | $110,898,000 | 4,689 |
| Average earning assets | $102,999,000 | 4,643 |
| Average equity | $10,135,400 | 5,094 |
| Average total loans | $87,397,000 | 4,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 3,243 |
| Cost of funding earning assets | 1.1632% | 5,071 |
| Net interest margin | 4.1591% | 2,368 |
| Noninterest income to average assets | 0.5202% | 4,028 |
| Noninterest expense to average assets | 3.6295% | 1,720 |
| Loan and lease loss provision to assets | 0.3224% | 4,010 |
| Net operating income to assets | 0.3236% | 5,076 |
| Return on assets (ROA) | 0.4592% | 4,676 |
| Pretax return on assets | 0.6204% | 4,528 |
| Return on Equity (ROE) | 4.9840% | 4,300 |
| Retained earnings to average equity (ytd only) | 4.0296% | 3,639 |
| Net charge-offs to loans | 0.1655% | 4,992 |
| Credit loss provision to net charge-offs | 246.7290% | 1,356 |
| Earnings coverage of net charge-offs (x) | 5.8132% | 2,671 |
| Efficiency ratio | 81.0239% | 2,203 |
| Assets per employee ($millions) | 2.9456% | 6,275 |
| Cash dividends to net income (ytd only)* | 19.1494% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,748 |
| Loan loss allowance to noncurrent loans | 96.2963% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 5,152 |
| Noncurrent loans to loans | 1.1857% | 4,871 |
| Net loans and leases to total assets | 80.5522% | 658 |
| Net loans and leases to deposits | 89.4979% | 1,787 |
| Net loans and leases to core deposits | 92.0098% | 2,794 |
| Total domestic deposits to total assets | 90.0045% | 879 |
| Equity capital to assets | 9.5101% | 4,826 |
| Core capital (leverage) ratio | 8.6098% | 5,330 |
| Tier 1 risk-based capital ratio | 12.2981% | 5,185 |
| Total risk-based capital ratio | 13.5493% | 5,152 |
| Memoranda: | ||
| Average total assets | $109,176,500 | 4,793 |
| Average earning assets | $101,559,000 | 4,743 |
| Average equity | $10,058,500 | 5,176 |
| Average total loans | $86,215,250 | 4,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 3,432 |
| Cost of funding earning assets | 1.1952% | 5,155 |
| Net interest margin | 4.1134% | 2,496 |
| Noninterest income to average assets | 0.4669% | 4,383 |
| Noninterest expense to average assets | 3.5903% | 1,805 |
| Loan and lease loss provision to assets | 0.2087% | 4,788 |
| Net operating income to assets | 0.3506% | 4,971 |
| Return on assets (ROA) | 0.5401% | 4,290 |
| Pretax return on assets | 0.7799% | 3,952 |
| Return on Equity (ROE) | 5.9259% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.4796% | 3,215 |
| Net charge-offs to loans | 0.0070% | 6,262 |
| Credit loss provision to net charge-offs | 3,800.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 257 |
| Efficiency ratio | 81.7099% | 2,209 |
| Assets per employee ($millions) | 3.0554% | 6,027 |
| Cash dividends to net income (ytd only)* | 24.4068% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,784 |
| Loan loss allowance to noncurrent loans | 291.5663% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 6,651 |
| Noncurrent loans to loans | 0.3884% | 6,460 |
| Net loans and leases to total assets | 76.8310% | 1,326 |
| Net loans and leases to deposits | 85.2071% | 2,657 |
| Net loans and leases to core deposits | 87.0341% | 3,690 |
| Total domestic deposits to total assets | 90.1696% | 833 |
| Equity capital to assets | 9.3840% | 4,882 |
| Core capital (leverage) ratio | 8.4724% | 5,458 |
| Tier 1 risk-based capital ratio | 12.4710% | 4,885 |
| Total risk-based capital ratio | 13.7212% | 4,867 |
| Memoranda: | ||
| Average total assets | $109,239,000 | 4,822 |
| Average earning assets | $101,910,330 | 4,749 |
| Average equity | $9,956,330 | 5,214 |
| Average total loans | $85,351,330 | 4,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 3,344 |
| Cost of funding earning assets | 1.2254% | 5,254 |
| Net interest margin | 4.1147% | 2,378 |
| Noninterest income to average assets | 0.4924% | 4,102 |
| Noninterest expense to average assets | 3.5054% | 1,970 |
| Loan and lease loss provision to assets | 0.0735% | 5,904 |
| Net operating income to assets | 0.5475% | 4,148 |
| Return on assets (ROA) | 0.5475% | 4,281 |
| Pretax return on assets | 0.7753% | 3,969 |
| Return on Equity (ROE) | 6.0981% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.7885% | 3,274 |
| Net charge-offs to loans | 0.0047% | 5,551 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 146 |
| Efficiency ratio | 78.8186% | 2,758 |
| Assets per employee ($millions) | 3.0406% | 6,125 |
| Cash dividends to net income (ytd only)* | 21.4765% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,330 |
| Loan loss allowance to noncurrent loans | 193.8053% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 6,443 |
| Noncurrent loans to loans | 0.5308% | 6,228 |
| Net loans and leases to total assets | 76.9984% | 1,332 |
| Net loans and leases to deposits | 85.3664% | 2,710 |
| Net loans and leases to core deposits | 87.7839% | 3,644 |
| Total domestic deposits to total assets | 90.1975% | 889 |
| Equity capital to assets | 9.3914% | 4,686 |
| Core capital (leverage) ratio | 8.4422% | 5,477 |
| Tier 1 risk-based capital ratio | 12.6053% | 4,641 |
| Total risk-based capital ratio | 13.8146% | 4,649 |
| Memoranda: | ||
| Average total assets | $108,860,500 | 4,902 |
| Average earning assets | $102,170,000 | 4,811 |
| Average equity | $9,773,500 | 5,303 |
| Average total loans | $85,287,500 | 4,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 4,731 |
| Cost of funding earning assets | 1.4655% | 5,660 |
| Net interest margin | 3.9284% | 3,164 |
| Noninterest income to average assets | 0.5442% | 4,079 |
| Noninterest expense to average assets | 3.8613% | 1,565 |
| Loan and lease loss provision to assets | 0.7413% | 2,888 |
| Net operating income to assets | -0.1769% | 5,813 |
| Return on assets (ROA) | -0.1769% | 5,812 |
| Pretax return on assets | -0.3586% | 5,882 |
| Return on Equity (ROE) | -1.9610% | 5,854 |
| Retained earnings to average equity (ytd only) | -3.4611% | 5,782 |
| Net charge-offs to loans | 0.2720% | 4,919 |
| Credit loss provision to net charge-offs | 355.0926% | 908 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 4,351 |
| Efficiency ratio | 89.1596% | 1,777 |
| Assets per employee ($millions) | 2.9259% | 6,397 |
| Cash dividends to net income (ytd only)* | -76.5027% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,362 |
| Loan loss allowance to noncurrent loans | 137.5602% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 6,025 |
| Noncurrent loans to loans | 0.7294% | 5,794 |
| Net loans and leases to total assets | 78.1071% | 1,357 |
| Net loans and leases to deposits | 85.7178% | 2,964 |
| Net loans and leases to core deposits | 98.8763% | 4,130 |
| Total domestic deposits to total assets | 91.1213% | 490 |
| Equity capital to assets | 8.5600% | 5,790 |
| Core capital (leverage) ratio | 7.6388% | 6,633 |
| Tier 1 risk-based capital ratio | 11.3469% | 5,569 |
| Total risk-based capital ratio | 12.5409% | 5,577 |
| Memoranda: | ||
| Average total assets | $103,461,400 | 4,999 |
| Average earning assets | $97,444,200 | 4,909 |
| Average equity | $9,332,200 | 5,496 |
| Average total loans | $79,413,000 | 4,536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 5,107 |
| Cost of funding earning assets | 1.4946% | 5,845 |
| Net interest margin | 3.8721% | 3,340 |
| Noninterest income to average assets | 0.5450% | 4,119 |
| Noninterest expense to average assets | 4.0105% | 1,262 |
| Loan and lease loss provision to assets | 0.9283% | 2,075 |
| Net operating income to assets | -0.4368% | 6,364 |
| Return on assets (ROA) | -0.4368% | 6,363 |
| Pretax return on assets | -0.7458% | 6,517 |
| Return on Equity (ROE) | -4.7779% | 6,424 |
| Retained earnings to average equity (ytd only) | -6.7746% | 6,481 |
| Net charge-offs to loans | 0.2550% | 4,458 |
| Credit loss provision to net charge-offs | 477.8523% | 825 |
| Earnings coverage of net charge-offs (x) | 0.9396% | 5,119 |
| Efficiency ratio | 93.7500% | 1,418 |
| Assets per employee ($millions) | 2.8588% | 6,509 |
| Cash dividends to net income (ytd only)* | -41.7902% | 7,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,170 |
| Loan loss allowance to noncurrent loans | 222.2506% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,557 |
| Noncurrent loans to loans | 0.4584% | 6,402 |
| Net loans and leases to total assets | 79.8202% | 1,209 |
| Net loans and leases to deposits | 88.0413% | 2,949 |
| Net loans and leases to core deposits | 99.7484% | 4,402 |
| Total domestic deposits to total assets | 90.6622% | 531 |
| Equity capital to assets | 8.6902% | 5,969 |
| Core capital (leverage) ratio | 7.5121% | 6,953 |
| Tier 1 risk-based capital ratio | 11.3267% | 5,614 |
| Total risk-based capital ratio | 12.5613% | 5,573 |
| Memoranda: | ||
| Average total assets | $102,262,000 | 5,064 |
| Average earning assets | $96,345,250 | 4,972 |
| Average equity | $9,348,500 | 5,539 |
| Average total loans | $77,912,500 | 4,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 5,975 |
| Cost of funding earning assets | 1.4571% | 6,301 |
| Net interest margin | 3.7687% | 3,685 |
| Noninterest income to average assets | 0.5124% | 4,335 |
| Noninterest expense to average assets | 4.1922% | 1,082 |
| Loan and lease loss provision to assets | 1.2840% | 1,334 |
| Net operating income to assets | -0.8784% | 6,890 |
| Return on assets (ROA) | -0.8784% | 6,896 |
| Pretax return on assets | -1.4126% | 7,042 |
| Return on Equity (ROE) | -9.4461% | 6,988 |
| Retained earnings to average equity (ytd only) | -11.0418% | 6,972 |
| Net charge-offs to loans | 0.3499% | 3,438 |
| Credit loss provision to net charge-offs | 491.6667% | 944 |
| Earnings coverage of net charge-offs (x) | -0.4924% | 6,073 |
| Efficiency ratio | 101.1685% | 1,120 |
| Assets per employee ($millions) | 2.6131% | 7,029 |
| Cash dividends to net income (ytd only)* | -16.8919% | 7,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 6,180 |
| Loan loss allowance to noncurrent loans | 115.1049% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,640 |
| Noncurrent loans to loans | 0.8754% | 5,470 |
| Net loans and leases to total assets | 75.4672% | 2,323 |
| Net loans and leases to deposits | 82.7295% | 4,096 |
| Net loans and leases to core deposits | 94.7512% | 5,033 |
| Total domestic deposits to total assets | 91.2216% | 398 |
| Equity capital to assets | 8.4405% | 6,143 |
| Core capital (leverage) ratio | 7.7608% | 6,661 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,348 |
| Total risk-based capital ratio | 12.7285% | 5,324 |
| Memoranda: | ||
| Average total assets | $101,091,330 | 5,133 |
| Average earning assets | $95,257,330 | 5,029 |
| Average equity | $9,400,670 | 5,547 |
| Average total loans | $75,450,670 | 4,757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 6,065 |
| Cost of funding earning assets | 1.5194% | 6,347 |
| Net interest margin | 3.7421% | 3,697 |
| Noninterest income to average assets | 0.4935% | 4,380 |
| Noninterest expense to average assets | 3.6791% | 1,691 |
| Loan and lease loss provision to assets | 0.1224% | 5,398 |
| Net operating income to assets | 0.2039% | 5,647 |
| Return on assets (ROA) | 0.2039% | 5,815 |
| Pretax return on assets | 0.2080% | 5,918 |
| Return on Equity (ROE) | 2.0878% | 5,744 |
| Retained earnings to average equity (ytd only) | -0.7098% | 5,816 |
| Net charge-offs to loans | -0.0055% | 7,191 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5219% | 1,761 |
| Assets per employee ($millions) | 2.4905% | 7,296 |
| Cash dividends to net income (ytd only)* | 134.0000% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 7,884 |
| Loan loss allowance to noncurrent loans | 39.0046% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 4,916 |
| Noncurrent loans to loans | 1.1725% | 4,636 |
| Net loans and leases to total assets | 73.6288% | 2,860 |
| Net loans and leases to deposits | 81.7259% | 4,328 |
| Net loans and leases to core deposits | 92.7787% | 5,282 |
| Total domestic deposits to total assets | 90.0924% | 757 |
| Equity capital to assets | 9.6135% | 4,505 |
| Core capital (leverage) ratio | 8.6504% | 5,256 |
| Tier 1 risk-based capital ratio | 14.2945% | 3,435 |
| Total risk-based capital ratio | 14.8661% | 3,712 |
| Memoranda: | ||
| Average total assets | $98,068,000 | 5,234 |
| Average earning assets | $92,141,500 | 5,141 |
| Average equity | $9,579,500 | 5,514 |
| Average total loans | $72,337,500 | 4,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 7,159 |
| Cost of funding earning assets | 1.6158% | 7,417 |
| Net interest margin | 3.9517% | 3,354 |
| Noninterest income to average assets | 0.6141% | 3,748 |
| Noninterest expense to average assets | 3.9511% | 1,483 |
| Loan and lease loss provision to assets | 0.1747% | 5,154 |
| Net operating income to assets | 0.1664% | 5,946 |
| Return on assets (ROA) | 0.2022% | 5,659 |
| Pretax return on assets | 0.2160% | 5,695 |
| Return on Equity (ROE) | 2.0363% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.0235% | 4,612 |
| Net charge-offs to loans | 0.0982% | 5,342 |
| Credit loss provision to net charge-offs | 270.4918% | 1,702 |
| Earnings coverage of net charge-offs (x) | 5.4590% | 3,638 |
| Efficiency ratio | 89.0775% | 1,580 |
| Assets per employee ($millions) | 2.4129% | 7,379 |
| Cash dividends to net income (ytd only)* | 49.7382% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 7,946 |
| Loan loss allowance to noncurrent loans | 38.2500% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 4,776 |
| Noncurrent loans to loans | 1.1269% | 4,295 |
| Net loans and leases to total assets | 73.2345% | 3,300 |
| Net loans and leases to deposits | 81.5551% | 4,783 |
| Net loans and leases to core deposits | 92.6905% | 5,566 |
| Total domestic deposits to total assets | 89.7975% | 724 |
| Equity capital to assets | 9.9279% | 4,125 |
| Core capital (leverage) ratio | 8.7686% | 5,083 |
| Tier 1 risk-based capital ratio | 14.6837% | 3,210 |
| Total risk-based capital ratio | 15.2188% | 3,483 |
| Memoranda: | ||
| Average total assets | $94,454,000 | 5,213 |
| Average earning assets | $88,191,000 | 5,145 |
| Average equity | $9,379,600 | 5,610 |
| Average total loans | $62,122,200 | 5,177 |