Home > Minnwest Bank Sioux Falls > Performance and Condition Ratios
Minnwest Bank Sioux Falls, Performance and Condition Ratios
| 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 | 4.5608% | 1,609 |
| Cost of funding earning assets | 0.7495% | 973 |
| Net interest margin | 3.8113% | 2,423 |
| Noninterest income to average assets | 0.3864% | 4,299 |
| Noninterest expense to average assets | 2.4506% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9623% | 2,343 |
| Return on assets (ROA) | 0.9623% | 2,414 |
| Pretax return on assets | 1.5741% | 1,223 |
| Return on Equity (ROE) | 10.4248% | 1,901 |
| Retained earnings to average equity (ytd only) | 0.7363% | 5,294 |
| Net charge-offs to loans | 0.0478% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 874 |
| Efficiency ratio | 60.8889% | 5,278 |
| Assets per employee ($millions) | 4.9098% | 2,362 |
| Cash dividends to net income (ytd only)* | 92.9368% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 2,966 |
| Loan loss allowance to noncurrent loans | 252.0721% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 4,218 |
| Noncurrent loans to loans | 0.6112% | 4,329 |
| Net loans and leases to total assets | 79.1711% | 640 |
| Net loans and leases to deposits | 90.9141% | 1,045 |
| Net loans and leases to core deposits | 92.6390% | 1,671 |
| Total domestic deposits to total assets | 87.0835% | 2,754 |
| Equity capital to assets | 9.1477% | 4,940 |
| Core capital (leverage) ratio | 9.3120% | 4,559 |
| Tier 1 risk-based capital ratio | 11.8264% | 5,744 |
| Total risk-based capital ratio | 13.0813% | 5,677 |
| Memoranda: | ||
| Average total assets | $111,811,000 | 4,449 |
| Average earning assets | $106,735,500 | 4,347 |
| Average equity | $10,321,500 | 4,761 |
| Average total loans | $92,050,000 | 3,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,071 |
| Cost of funding earning assets | 0.7861% | 1,286 |
| Net interest margin | 3.7501% | 2,845 |
| Noninterest income to average assets | 0.3234% | 5,021 |
| Noninterest expense to average assets | 2.4471% | 4,943 |
| Loan and lease loss provision to assets | -0.1534% | 6,551 |
| Net operating income to assets | 0.9808% | 2,422 |
| Return on assets (ROA) | 0.9808% | 2,487 |
| Pretax return on assets | 1.5980% | 1,173 |
| Return on Equity (ROE) | 11.1307% | 1,724 |
| Retained earnings to average equity (ytd only) | 3.7102% | 3,578 |
| Net charge-offs to loans | -0.3472% | 6,691 |
| Credit loss provision to net charge-offs | 59.0604% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8808% | 5,075 |
| Assets per employee ($millions) | 5.0317% | 2,147 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,820.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,718 |
| Noncurrent loans to loans | 0.0536% | 6,071 |
| Net loans and leases to total assets | 83.0077% | 326 |
| Net loans and leases to deposits | 95.5931% | 757 |
| Net loans and leases to core deposits | 97.1260% | 1,375 |
| Total domestic deposits to total assets | 86.8343% | 2,811 |
| Equity capital to assets | 9.3164% | 4,674 |
| Core capital (leverage) ratio | 9.2600% | 4,617 |
| Tier 1 risk-based capital ratio | 11.5347% | 5,888 |
| Total risk-based capital ratio | 12.7889% | 5,828 |
| Memoranda: | ||
| Average total assets | $114,707,200 | 4,396 |
| Average earning assets | $109,143,800 | 4,285 |
| Average equity | $10,107,200 | 4,821 |
| Average total loans | $85,821,000 | 3,783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,475 |
| Cost of funding earning assets | 0.7924% | 1,372 |
| Net interest margin | 3.6435% | 3,262 |
| Noninterest income to average assets | 0.3249% | 5,083 |
| Noninterest expense to average assets | 2.3645% | 5,132 |
| Loan and lease loss provision to assets | 0.0277% | 4,455 |
| Net operating income to assets | 0.8608% | 3,044 |
| Return on assets (ROA) | 0.8608% | 3,157 |
| Pretax return on assets | 1.3977% | 1,931 |
| Return on Equity (ROE) | 9.9046% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.2750% | 4,347 |
| Net charge-offs to loans | -0.4288% | 6,764 |
| Credit loss provision to net charge-offs | -8.8889% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3898% | 5,082 |
| Assets per employee ($millions) | 5.3289% | 1,817 |
| Cash dividends to net income (ytd only)* | 66.9341% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 2,171 |
| Loan loss allowance to noncurrent loans | 3,164.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,339 |
| Noncurrent loans to loans | 0.0582% | 6,170 |
| Net loans and leases to total assets | 75.3536% | 1,093 |
| Net loans and leases to deposits | 86.5033% | 1,560 |
| Net loans and leases to core deposits | 87.8643% | 2,209 |
| Total domestic deposits to total assets | 87.1107% | 2,631 |
| Equity capital to assets | 9.1076% | 5,046 |
| Core capital (leverage) ratio | 8.8411% | 5,344 |
| Tier 1 risk-based capital ratio | 12.2961% | 5,572 |
| Total risk-based capital ratio | 13.5545% | 5,513 |
| Memoranda: | ||
| Average total assets | $115,709,750 | 4,417 |
| Average earning assets | $110,036,500 | 4,301 |
| Average equity | $10,055,750 | 4,886 |
| Average total loans | $83,952,000 | 3,861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,592 |
| Cost of funding earning assets | 0.7926% | 1,453 |
| Net interest margin | 3.6001% | 3,356 |
| Noninterest income to average assets | 0.3283% | 5,069 |
| Noninterest expense to average assets | 2.3714% | 5,137 |
| Loan and lease loss provision to assets | 0.0410% | 4,133 |
| Net operating income to assets | 0.8275% | 3,158 |
| Return on assets (ROA) | 0.8275% | 3,314 |
| Pretax return on assets | 1.3404% | 2,157 |
| Return on Equity (ROE) | 9.6700% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.6752% | 3,278 |
| Net charge-offs to loans | -0.4394% | 6,815 |
| Credit loss provision to net charge-offs | -13.1148% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1891% | 4,985 |
| Assets per employee ($millions) | 5.4838% | 1,606 |
| Cash dividends to net income (ytd only)* | 51.6529% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,501 |
| Loan loss allowance to noncurrent loans | 49,833.3333% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,573 |
| Noncurrent loans to loans | 0.0036% | 6,442 |
| Net loans and leases to total assets | 71.6314% | 1,631 |
| Net loans and leases to deposits | 81.8930% | 2,072 |
| Net loans and leases to core deposits | 83.6011% | 2,612 |
| Total domestic deposits to total assets | 87.4695% | 2,554 |
| Equity capital to assets | 8.8313% | 5,413 |
| Core capital (leverage) ratio | 8.7754% | 5,322 |
| Tier 1 risk-based capital ratio | 12.4985% | 5,502 |
| Total risk-based capital ratio | 13.7557% | 5,435 |
| Memoranda: | ||
| Average total assets | $116,977,330 | 4,416 |
| Average earning assets | $111,275,670 | 4,307 |
| Average equity | $10,010,330 | 4,932 |
| Average total loans | $83,300,000 | 3,890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 2,589 |
| Cost of funding earning assets | 0.8048% | 1,501 |
| Net interest margin | 3.5770% | 3,353 |
| Noninterest income to average assets | 0.3529% | 4,854 |
| Noninterest expense to average assets | 2.3175% | 5,376 |
| Loan and lease loss provision to assets | 0.0814% | 3,291 |
| Net operating income to assets | 0.8313% | 2,999 |
| Return on assets (ROA) | 0.8313% | 3,141 |
| Pretax return on assets | 1.3471% | 2,049 |
| Return on Equity (ROE) | 9.8686% | 2,112 |
| Retained earnings to average equity (ytd only) | -0.2014% | 5,816 |
| Net charge-offs to loans | -0.2025% | 6,678 |
| Credit loss provision to net charge-offs | -57.1429% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8659% | 5,322 |
| Assets per employee ($millions) | 5.6520% | 1,538 |
| Cash dividends to net income (ytd only)* | 102.0408% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.3522% | 2,129 |
| Net loans and leases to deposits | 77.6813% | 2,385 |
| Net loans and leases to core deposits | 79.9594% | 2,809 |
| Total domestic deposits to total assets | 86.7033% | 3,128 |
| Equity capital to assets | 8.3688% | 6,133 |
| Core capital (leverage) ratio | 8.3689% | 5,745 |
| Tier 1 risk-based capital ratio | 12.6975% | 5,430 |
| Total risk-based capital ratio | 13.9530% | 5,380 |
| Memoranda: | ||
| Average total assets | $117,886,500 | 4,441 |
| Average earning assets | $111,826,500 | 4,337 |
| Average equity | $9,930,500 | 5,000 |
| Average total loans | $82,957,500 | 3,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,987 |
| Cost of funding earning assets | 0.9452% | 1,667 |
| Net interest margin | 3.9148% | 2,764 |
| Noninterest income to average assets | 0.3464% | 4,989 |
| Noninterest expense to average assets | 2.2495% | 5,814 |
| Loan and lease loss provision to assets | 0.0770% | 4,749 |
| Net operating income to assets | 1.0751% | 2,037 |
| Return on assets (ROA) | 1.0751% | 2,221 |
| Pretax return on assets | 1.7466% | 1,025 |
| Return on Equity (ROE) | 12.8549% | 1,269 |
| Retained earnings to average equity (ytd only) | 3.1396% | 4,027 |
| Net charge-offs to loans | 0.2066% | 3,728 |
| Credit loss provision to net charge-offs | 50.5618% | 4,687 |
| Earnings coverage of net charge-offs (x) | 11.9775% | 1,979 |
| Efficiency ratio | 55.2289% | 6,146 |
| Assets per employee ($millions) | 5.5753% | 1,615 |
| Cash dividends to net income (ytd only)* | 75.5768% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,653 |
| Loan loss allowance to noncurrent loans | 344.3850% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 4,597 |
| Noncurrent loans to loans | 0.4420% | 5,394 |
| Net loans and leases to total assets | 71.1740% | 1,623 |
| Net loans and leases to deposits | 82.2342% | 1,971 |
| Net loans and leases to core deposits | 84.6844% | 2,468 |
| Total domestic deposits to total assets | 86.5505% | 3,076 |
| Equity capital to assets | 8.4795% | 6,068 |
| Core capital (leverage) ratio | 8.5505% | 5,540 |
| Tier 1 risk-based capital ratio | 12.1600% | 5,681 |
| Total risk-based capital ratio | 13.4145% | 5,636 |
| Memoranda: | ||
| Average total assets | $116,914,400 | 4,423 |
| Average earning assets | $111,295,600 | 4,310 |
| Average equity | $9,778,400 | 5,032 |
| Average total loans | $86,138,200 | 3,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 2,054 |
| Cost of funding earning assets | 0.9765% | 1,701 |
| Net interest margin | 3.9118% | 2,873 |
| Noninterest income to average assets | 0.3548% | 4,983 |
| Noninterest expense to average assets | 2.2132% | 5,925 |
| Loan and lease loss provision to assets | 0.0685% | 4,821 |
| Net operating income to assets | 1.1123% | 2,046 |
| Return on assets (ROA) | 1.1123% | 2,242 |
| Pretax return on assets | 1.8071% | 1,030 |
| Return on Equity (ROE) | 13.3453% | 1,258 |
| Retained earnings to average equity (ytd only) | 3.7641% | 4,244 |
| Net charge-offs to loans | 0.2666% | 3,121 |
| Credit loss provision to net charge-offs | 34.6821% | 4,719 |
| Earnings coverage of net charge-offs (x) | 9.5029% | 2,315 |
| Efficiency ratio | 54.1295% | 6,241 |
| Assets per employee ($millions) | 5.4488% | 1,689 |
| Cash dividends to net income (ytd only)* | 71.7947% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,197 |
| Loan loss allowance to noncurrent loans | 314.1791% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 4,728 |
| Noncurrent loans to loans | 0.4580% | 5,532 |
| Net loans and leases to total assets | 75.6021% | 1,028 |
| Net loans and leases to deposits | 87.6437% | 1,397 |
| Net loans and leases to core deposits | 89.9222% | 1,989 |
| Total domestic deposits to total assets | 86.2607% | 3,114 |
| Equity capital to assets | 8.6590% | 6,137 |
| Core capital (leverage) ratio | 8.6883% | 5,492 |
| Tier 1 risk-based capital ratio | 11.7924% | 6,062 |
| Total risk-based capital ratio | 13.0451% | 6,038 |
| Memoranda: | ||
| Average total assets | $116,872,500 | 4,462 |
| Average earning assets | $111,557,500 | 4,346 |
| Average equity | $9,741,000 | 5,093 |
| Average total loans | $86,517,750 | 3,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 2,077 |
| Cost of funding earning assets | 1.0264% | 1,602 |
| Net interest margin | 3.8816% | 2,989 |
| Noninterest income to average assets | 0.3382% | 5,120 |
| Noninterest expense to average assets | 2.2330% | 5,918 |
| Loan and lease loss provision to assets | 0.0255% | 5,347 |
| Net operating income to assets | 1.0978% | 2,056 |
| Return on assets (ROA) | 1.0978% | 2,281 |
| Pretax return on assets | 1.7878% | 1,070 |
| Return on Equity (ROE) | 13.3398% | 1,271 |
| Retained earnings to average equity (ytd only) | 3.0149% | 4,636 |
| Net charge-offs to loans | 0.3252% | 2,732 |
| Credit loss provision to net charge-offs | 10.7143% | 4,731 |
| Earnings coverage of net charge-offs (x) | 7.6214% | 2,447 |
| Efficiency ratio | 55.1869% | 6,208 |
| Assets per employee ($millions) | 5.3834% | 1,726 |
| Cash dividends to net income (ytd only)* | 77.3994% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 4,200 |
| Loan loss allowance to noncurrent loans | 305.1220% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 4,783 |
| Noncurrent loans to loans | 0.4789% | 5,571 |
| Net loans and leases to total assets | 74.6203% | 1,155 |
| Net loans and leases to deposits | 86.5327% | 1,528 |
| Net loans and leases to core deposits | 87.7944% | 2,233 |
| Total domestic deposits to total assets | 86.2336% | 3,231 |
| Equity capital to assets | 8.6536% | 6,072 |
| Core capital (leverage) ratio | 8.3671% | 5,834 |
| Tier 1 risk-based capital ratio | 11.8636% | 6,019 |
| Total risk-based capital ratio | 13.1175% | 5,987 |
| Memoranda: | ||
| Average total assets | $117,688,670 | 4,468 |
| Average earning assets | $112,427,670 | 4,352 |
| Average equity | $9,685,330 | 5,115 |
| Average total loans | $86,100,330 | 3,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 2,948 |
| Cost of funding earning assets | 1.0928% | 1,437 |
| Net interest margin | 3.6333% | 4,116 |
| Noninterest income to average assets | 0.3700% | 4,908 |
| Noninterest expense to average assets | 2.0532% | 6,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1099% | 2,038 |
| Return on assets (ROA) | 1.1099% | 2,220 |
| Pretax return on assets | 1.7966% | 1,074 |
| Return on Equity (ROE) | 13.8224% | 1,221 |
| Retained earnings to average equity (ytd only) | -0.7057% | 6,112 |
| Net charge-offs to loans | -0.0093% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 6,409 |
| Assets per employee ($millions) | 5.6689% | 1,546 |
| Cash dividends to net income (ytd only)* | 105.1051% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,789 |
| Loan loss allowance to noncurrent loans | 87.8827% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 3,922 |
| Noncurrent loans to loans | 1.8022% | 3,409 |
| Net loans and leases to total assets | 71.9285% | 1,420 |
| Net loans and leases to deposits | 82.7508% | 1,824 |
| Net loans and leases to core deposits | 84.9821% | 2,409 |
| Total domestic deposits to total assets | 86.9219% | 3,000 |
| Equity capital to assets | 8.0859% | 6,455 |
| Core capital (leverage) ratio | 7.9308% | 6,311 |
| Tier 1 risk-based capital ratio | 11.6056% | 6,218 |
| Total risk-based capital ratio | 12.8603% | 6,193 |
| Memoranda: | ||
| Average total assets | $120,007,500 | 4,451 |
| Average earning assets | $114,938,000 | 4,311 |
| Average equity | $9,636,500 | 5,139 |
| Average total loans | $86,345,500 | 3,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 4,137 |
| Cost of funding earning assets | 1.4868% | 751 |
| Net interest margin | 3.2400% | 5,982 |
| Noninterest income to average assets | 0.3148% | 5,290 |
| Noninterest expense to average assets | 2.1957% | 6,277 |
| Loan and lease loss provision to assets | 0.2637% | 3,582 |
| Net operating income to assets | 0.5834% | 4,085 |
| Return on assets (ROA) | 0.5834% | 4,264 |
| Pretax return on assets | 0.9445% | 3,448 |
| Return on Equity (ROE) | 7.7500% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.1332% | 1,940 |
| Net charge-offs to loans | 0.4259% | 3,300 |
| Credit loss provision to net charge-offs | 90.5292% | 3,983 |
| Earnings coverage of net charge-offs (x) | 4.1476% | 3,245 |
| Efficiency ratio | 64.5054% | 5,041 |
| Assets per employee ($millions) | 6.3668% | 1,021 |
| Cash dividends to net income (ytd only)* | 20.8623% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 3,566 |
| Loan loss allowance to noncurrent loans | 87.5875% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2987% | 4,046 |
| Noncurrent loans to loans | 1.8335% | 3,428 |
| Net loans and leases to total assets | 69.6947% | 2,092 |
| Net loans and leases to deposits | 80.0275% | 2,511 |
| Net loans and leases to core deposits | 82.3475% | 3,129 |
| Total domestic deposits to total assets | 87.0884% | 2,713 |
| Equity capital to assets | 7.9748% | 6,589 |
| Core capital (leverage) ratio | 7.8261% | 6,420 |
| Tier 1 risk-based capital ratio | 11.7960% | 5,960 |
| Total risk-based capital ratio | 13.0493% | 5,939 |
| Memoranda: | ||
| Average total assets | $123,240,000 | 4,309 |
| Average earning assets | $117,500,600 | 4,196 |
| Average equity | $9,277,400 | 5,211 |
| Average total loans | $84,291,800 | 4,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 4,462 |
| Cost of funding earning assets | 1.5588% | 698 |
| Net interest margin | 3.1424% | 6,308 |
| Noninterest income to average assets | 0.3188% | 5,316 |
| Noninterest expense to average assets | 2.1904% | 6,296 |
| Loan and lease loss provision to assets | 0.3500% | 2,775 |
| Net operating income to assets | 0.4889% | 4,586 |
| Return on assets (ROA) | 0.4889% | 4,777 |
| Pretax return on assets | 0.7721% | 4,233 |
| Return on Equity (ROE) | 6.5903% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.4128% | 3,586 |
| Net charge-offs to loans | 0.3208% | 3,500 |
| Credit loss provision to net charge-offs | 160.8911% | 1,912 |
| Earnings coverage of net charge-offs (x) | 5.1584% | 2,861 |
| Efficiency ratio | 66.1248% | 4,695 |
| Assets per employee ($millions) | 6.5068% | 944 |
| Cash dividends to net income (ytd only)* | 33.0404% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,822 |
| Loan loss allowance to noncurrent loans | 94.1068% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 4,169 |
| Noncurrent loans to loans | 1.9483% | 3,430 |
| Net loans and leases to total assets | 66.3898% | 2,803 |
| Net loans and leases to deposits | 75.8196% | 3,352 |
| Net loans and leases to core deposits | 78.3619% | 3,847 |
| Total domestic deposits to total assets | 87.5628% | 2,317 |
| Equity capital to assets | 7.6074% | 6,891 |
| Core capital (leverage) ratio | 7.3736% | 6,826 |
| Tier 1 risk-based capital ratio | 11.7724% | 6,055 |
| Total risk-based capital ratio | 13.0310% | 6,043 |
| Memoranda: | ||
| Average total assets | $123,807,750 | 4,320 |
| Average earning assets | $117,954,000 | 4,204 |
| Average equity | $9,185,000 | 5,261 |
| Average total loans | $83,943,500 | 4,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 4,658 |
| Cost of funding earning assets | 1.5999% | 695 |
| Net interest margin | 3.0705% | 6,463 |
| Noninterest income to average assets | 0.3423% | 5,144 |
| Noninterest expense to average assets | 2.1927% | 6,402 |
| Loan and lease loss provision to assets | 0.4117% | 2,376 |
| Net operating income to assets | 0.4133% | 4,881 |
| Return on assets (ROA) | 0.4133% | 5,038 |
| Pretax return on assets | 0.6539% | 4,561 |
| Return on Equity (ROE) | 5.6192% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.3267% | 4,806 |
| Net charge-offs to loans | 0.3617% | 3,108 |
| Credit loss provision to net charge-offs | 167.7632% | 1,803 |
| Earnings coverage of net charge-offs (x) | 4.3421% | 2,885 |
| Efficiency ratio | 67.2944% | 4,648 |
| Assets per employee ($millions) | 6.7450% | 829 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 2,812 |
| Loan loss allowance to noncurrent loans | 71.1331% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 3,693 |
| Noncurrent loans to loans | 2.6093% | 2,763 |
| Net loans and leases to total assets | 62.4267% | 3,809 |
| Net loans and leases to deposits | 70.8029% | 4,323 |
| Net loans and leases to core deposits | 73.0734% | 4,699 |
| Total domestic deposits to total assets | 88.1698% | 2,031 |
| Equity capital to assets | 7.1827% | 7,062 |
| Core capital (leverage) ratio | 7.1921% | 6,923 |
| Tier 1 risk-based capital ratio | 11.5725% | 6,114 |
| Total risk-based capital ratio | 12.8302% | 6,100 |
| Memoranda: | ||
| Average total assets | $123,867,330 | 4,350 |
| Average earning assets | $117,635,670 | 4,241 |
| Average equity | $9,111,670 | 5,294 |
| Average total loans | $84,054,670 | 4,091 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 3,958 |
| Cost of funding earning assets | 1.6159% | 774 |
| Net interest margin | 3.2043% | 6,057 |
| Noninterest income to average assets | 0.3483% | 5,120 |
| Noninterest expense to average assets | 2.1853% | 6,455 |
| Loan and lease loss provision to assets | 0.4929% | 1,774 |
| Net operating income to assets | 0.4732% | 4,605 |
| Return on assets (ROA) | 0.4732% | 4,688 |
| Pretax return on assets | 0.7460% | 4,116 |
| Return on Equity (ROE) | 6.3541% | 3,698 |
| Retained earnings to average equity (ytd only) | -0.2648% | 5,842 |
| Net charge-offs to loans | 0.2485% | 3,094 |
| Credit loss provision to net charge-offs | 283.0189% | 1,123 |
| Earnings coverage of net charge-offs (x) | 7.1132% | 1,997 |
| Efficiency ratio | 63.8196% | 5,390 |
| Assets per employee ($millions) | 6.0306% | 1,175 |
| Cash dividends to net income (ytd only)* | 104.1667% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 3,113 |
| Loan loss allowance to noncurrent loans | 45.3779% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.6224% | 2,619 |
| Noncurrent loans to loans | 3.8904% | 1,889 |
| Net loans and leases to total assets | 66.2150% | 2,951 |
| Net loans and leases to deposits | 75.8802% | 3,438 |
| Net loans and leases to core deposits | 78.4933% | 3,954 |
| Total domestic deposits to total assets | 87.2625% | 2,791 |
| Equity capital to assets | 7.1532% | 7,037 |
| Core capital (leverage) ratio | 7.4195% | 6,776 |
| Tier 1 risk-based capital ratio | 11.0026% | 6,508 |
| Total risk-based capital ratio | 12.2595% | 6,485 |
| Memoranda: | ||
| Average total assets | $121,723,500 | 4,427 |
| Average earning assets | $116,841,500 | 4,279 |
| Average equity | $9,065,000 | 5,300 |
| Average total loans | $85,324,000 | 4,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6434% | 1,764 |
| Cost of funding earning assets | 1.7261% | 1,479 |
| Net interest margin | 3.9173% | 3,408 |
| Noninterest income to average assets | 0.4090% | 4,832 |
| Noninterest expense to average assets | 2.3321% | 6,266 |
| Loan and lease loss provision to assets | 1.3380% | 1,140 |
| Net operating income to assets | 0.2964% | 4,950 |
| Return on assets (ROA) | 0.2964% | 5,115 |
| Pretax return on assets | 0.4691% | 4,727 |
| Return on Equity (ROE) | 3.8761% | 4,583 |
| Retained earnings to average equity (ytd only) | 2.7687% | 3,917 |
| Net charge-offs to loans | 1.5511% | 1,415 |
| Credit loss provision to net charge-offs | 111.5819% | 3,928 |
| Earnings coverage of net charge-offs (x) | 1.5071% | 4,625 |
| Efficiency ratio | 56.3421% | 6,554 |
| Assets per employee ($millions) | 5.3093% | 1,742 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,387 |
| Loan loss allowance to noncurrent loans | 60.2822% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 3,343 |
| Noncurrent loans to loans | 2.7426% | 2,773 |
| Net loans and leases to total assets | 71.8077% | 2,142 |
| Net loans and leases to deposits | 83.2581% | 2,574 |
| Net loans and leases to core deposits | 86.4040% | 3,264 |
| Total domestic deposits to total assets | 86.2472% | 3,232 |
| Equity capital to assets | 7.7659% | 6,698 |
| Core capital (leverage) ratio | 7.5684% | 6,643 |
| Tier 1 risk-based capital ratio | 11.0756% | 6,273 |
| Total risk-based capital ratio | 12.3314% | 6,238 |
| Memoranda: | ||
| Average total assets | $118,089,400 | 4,524 |
| Average earning assets | $112,450,200 | 4,413 |
| Average equity | $9,029,600 | 5,415 |
| Average total loans | $91,290,800 | 4,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8316% | 1,307 |
| Cost of funding earning assets | 1.7323% | 1,710 |
| Net interest margin | 4.0993% | 2,623 |
| Noninterest income to average assets | 0.3243% | 5,562 |
| Noninterest expense to average assets | 2.3736% | 6,102 |
| Loan and lease loss provision to assets | 1.1823% | 1,215 |
| Net operating income to assets | 0.4211% | 4,655 |
| Return on assets (ROA) | 0.4211% | 4,837 |
| Pretax return on assets | 0.6666% | 4,363 |
| Return on Equity (ROE) | 5.5287% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.0504% | 3,624 |
| Net charge-offs to loans | 1.6510% | 1,201 |
| Credit loss provision to net charge-offs | 91.3838% | 4,709 |
| Earnings coverage of net charge-offs (x) | 1.4291% | 4,661 |
| Efficiency ratio | 56.2133% | 6,528 |
| Assets per employee ($millions) | 5.3167% | 1,807 |
| Cash dividends to net income (ytd only)* | 26.7382% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,115 |
| Loan loss allowance to noncurrent loans | 53.6483% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4400% | 2,931 |
| Noncurrent loans to loans | 2.3660% | 3,274 |
| Net loans and leases to total assets | 76.2762% | 1,353 |
| Net loans and leases to deposits | 88.5047% | 1,941 |
| Net loans and leases to core deposits | 93.2599% | 2,624 |
| Total domestic deposits to total assets | 86.1833% | 2,984 |
| Equity capital to assets | 7.7774% | 6,947 |
| Core capital (leverage) ratio | 7.5742% | 6,788 |
| Tier 1 risk-based capital ratio | 10.4019% | 6,833 |
| Total risk-based capital ratio | 11.6528% | 6,832 |
| Memoranda: | ||
| Average total assets | $118,410,500 | 4,571 |
| Average earning assets | $112,602,250 | 4,471 |
| Average equity | $9,019,250 | 5,494 |
| Average total loans | $92,792,250 | 4,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8508% | 1,303 |
| Cost of funding earning assets | 1.7199% | 2,014 |
| Net interest margin | 4.1309% | 2,424 |
| Noninterest income to average assets | 0.3432% | 5,400 |
| Noninterest expense to average assets | 2.2794% | 6,405 |
| Loan and lease loss provision to assets | 1.1355% | 1,267 |
| Net operating income to assets | 0.5434% | 4,127 |
| Return on assets (ROA) | 0.5434% | 4,275 |
| Pretax return on assets | 0.8596% | 3,660 |
| Return on Equity (ROE) | 7.1831% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.9592% | 2,927 |
| Net charge-offs to loans | 1.2137% | 1,572 |
| Credit loss provision to net charge-offs | 118.8380% | 3,420 |
| Earnings coverage of net charge-offs (x) | 2.0880% | 3,985 |
| Efficiency ratio | 53.3255% | 6,954 |
| Assets per employee ($millions) | 5.3379% | 1,771 |
| Cash dividends to net income (ytd only)* | 30.9598% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 4,039 |
| Loan loss allowance to noncurrent loans | 71.2105% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2276% | 3,227 |
| Noncurrent loans to loans | 2.0713% | 3,631 |
| Net loans and leases to total assets | 76.9581% | 1,297 |
| Net loans and leases to deposits | 88.2887% | 2,124 |
| Net loans and leases to core deposits | 93.5559% | 2,789 |
| Total domestic deposits to total assets | 87.1664% | 2,448 |
| Equity capital to assets | 7.7226% | 6,983 |
| Core capital (leverage) ratio | 7.6227% | 6,704 |
| Tier 1 risk-based capital ratio | 10.1858% | 6,924 |
| Total risk-based capital ratio | 11.4391% | 6,889 |
| Memoranda: | ||
| Average total assets | $118,891,670 | 4,597 |
| Average earning assets | $113,146,330 | 4,473 |
| Average equity | $8,993,330 | 5,505 |
| Average total loans | $93,601,330 | 4,067 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 1,520 |
| Cost of funding earning assets | 1.7330% | 2,217 |
| Net interest margin | 4.0483% | 2,655 |
| Noninterest income to average assets | 0.4013% | 4,907 |
| Noninterest expense to average assets | 2.2872% | 6,412 |
| Loan and lease loss provision to assets | 0.9029% | 1,407 |
| Net operating income to assets | 0.6788% | 3,529 |
| Return on assets (ROA) | 0.6788% | 3,646 |
| Pretax return on assets | 1.0701% | 2,840 |
| Return on Equity (ROE) | 9.0671% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.0671% | 1,383 |
| Net charge-offs to loans | 1.3836% | 1,247 |
| Credit loss provision to net charge-offs | 82.5688% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.8043% | 3,655 |
| Efficiency ratio | 53.6892% | 7,002 |
| Assets per employee ($millions) | 5.2415% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,184 |
| Loan loss allowance to noncurrent loans | 211.5658% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 4,581 |
| Noncurrent loans to loans | 0.5930% | 6,126 |
| Net loans and leases to total assets | 81.1615% | 692 |
| Net loans and leases to deposits | 93.8076% | 1,372 |
| Net loans and leases to core deposits | 99.4929% | 2,184 |
| Total domestic deposits to total assets | 86.5192% | 2,887 |
| Equity capital to assets | 7.8526% | 6,807 |
| Core capital (leverage) ratio | 7.5963% | 6,742 |
| Tier 1 risk-based capital ratio | 9.8973% | 7,096 |
| Total risk-based capital ratio | 11.1476% | 7,086 |
| Memoranda: | ||
| Average total assets | $119,620,500 | 4,639 |
| Average earning assets | $114,023,500 | 4,514 |
| Average equity | $8,955,500 | 5,555 |
| Average total loans | $94,538,000 | 4,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2161% | 1,199 |
| Cost of funding earning assets | 2.2448% | 1,856 |
| Net interest margin | 3.9713% | 2,980 |
| Noninterest income to average assets | 0.3372% | 5,678 |
| Noninterest expense to average assets | 2.2771% | 6,806 |
| Loan and lease loss provision to assets | 0.6710% | 3,132 |
| Net operating income to assets | 0.7511% | 2,717 |
| Return on assets (ROA) | 0.7511% | 2,804 |
| Pretax return on assets | 1.1871% | 1,990 |
| Return on Equity (ROE) | 10.2337% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.4323% | 2,141 |
| Net charge-offs to loans | 0.6193% | 3,356 |
| Credit loss provision to net charge-offs | 134.9315% | 3,677 |
| Earnings coverage of net charge-offs (x) | 3.7363% | 3,223 |
| Efficiency ratio | 55.0659% | 7,122 |
| Assets per employee ($millions) | 5.6331% | 1,530 |
| Cash dividends to net income (ytd only)* | 56.6893% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,639 |
| Loan loss allowance to noncurrent loans | 119.0067% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 5,414 |
| Noncurrent loans to loans | 1.1103% | 5,106 |
| Net loans and leases to total assets | 75.0849% | 2,005 |
| Net loans and leases to deposits | 87.6113% | 2,627 |
| Net loans and leases to core deposits | 104.0559% | 3,571 |
| Total domestic deposits to total assets | 85.7023% | 3,163 |
| Equity capital to assets | 7.1460% | 7,296 |
| Core capital (leverage) ratio | 6.7164% | 7,403 |
| Tier 1 risk-based capital ratio | 9.7512% | 7,060 |
| Total risk-based capital ratio | 11.0025% | 7,044 |
| Memoranda: | ||
| Average total assets | $117,429,000 | 4,647 |
| Average earning assets | $112,305,800 | 4,502 |
| Average equity | $8,618,600 | 5,726 |
| Average total loans | $94,292,600 | 4,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2905% | 1,155 |
| Cost of funding earning assets | 2.2296% | 2,279 |
| Net interest margin | 4.0609% | 2,544 |
| Noninterest income to average assets | 0.3673% | 5,568 |
| Noninterest expense to average assets | 2.3798% | 6,475 |
| Loan and lease loss provision to assets | 0.3834% | 4,028 |
| Net operating income to assets | 0.9429% | 2,257 |
| Return on assets (ROA) | 0.9429% | 2,323 |
| Pretax return on assets | 1.4898% | 1,441 |
| Return on Equity (ROE) | 12.7578% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.9691% | 2,508 |
| Net charge-offs to loans | 0.1301% | 5,394 |
| Credit loss provision to net charge-offs | 361.9565% | 1,128 |
| Earnings coverage of net charge-offs (x) | 17.6853% | 1,391 |
| Efficiency ratio | 55.9556% | 7,003 |
| Assets per employee ($millions) | 6.0408% | 1,194 |
| Cash dividends to net income (ytd only)* | 61.0502% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 4,378 |
| Loan loss allowance to noncurrent loans | 244.3810% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,470 |
| Noncurrent loans to loans | 0.5404% | 6,228 |
| Net loans and leases to total assets | 72.1378% | 3,003 |
| Net loans and leases to deposits | 84.4267% | 3,584 |
| Net loans and leases to core deposits | 101.3050% | 4,234 |
| Total domestic deposits to total assets | 85.4444% | 2,997 |
| Equity capital to assets | 6.6390% | 7,726 |
| Core capital (leverage) ratio | 6.8534% | 7,517 |
| Tier 1 risk-based capital ratio | 9.3188% | 7,484 |
| Total risk-based capital ratio | 10.5703% | 7,471 |
| Memoranda: | ||
| Average total assets | $115,804,000 | 4,702 |
| Average earning assets | $110,809,750 | 4,563 |
| Average equity | $8,559,250 | 5,798 |
| Average total loans | $94,291,250 | 4,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5490% | 731 |
| Cost of funding earning assets | 2.2477% | 2,589 |
| Net interest margin | 4.3013% | 1,650 |
| Noninterest income to average assets | 0.4341% | 4,994 |
| Noninterest expense to average assets | 2.4776% | 6,190 |
| Loan and lease loss provision to assets | 0.2507% | 4,566 |
| Net operating income to assets | 1.1480% | 1,617 |
| Return on assets (ROA) | 1.1480% | 1,704 |
| Pretax return on assets | 1.8110% | 831 |
| Return on Equity (ROE) | 14.9209% | 845 |
| Retained earnings to average equity (ytd only) | 3.1164% | 3,579 |
| Net charge-offs to loans | 0.1500% | 4,690 |
| Credit loss provision to net charge-offs | 197.1429% | 2,316 |
| Earnings coverage of net charge-offs (x) | 16.2143% | 1,541 |
| Efficiency ratio | 54.5818% | 7,273 |
| Assets per employee ($millions) | 5.4440% | 1,629 |
| Cash dividends to net income (ytd only)* | 79.1139% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,228 |
| Loan loss allowance to noncurrent loans | 359.2233% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,831 |
| Noncurrent loans to loans | 0.3219% | 6,704 |
| Net loans and leases to total assets | 79.2197% | 1,480 |
| Net loans and leases to deposits | 96.3943% | 1,734 |
| Net loans and leases to core deposits | 119.7045% | 2,398 |
| Total domestic deposits to total assets | 82.1829% | 4,614 |
| Equity capital to assets | 7.2107% | 7,474 |
| Core capital (leverage) ratio | 7.5591% | 6,950 |
| Tier 1 risk-based capital ratio | 9.0659% | 7,667 |
| Total risk-based capital ratio | 10.2443% | 7,719 |
| Memoranda: | ||
| Average total assets | $110,106,330 | 4,885 |
| Average earning assets | $105,084,330 | 4,756 |
| Average equity | $8,471,330 | 5,854 |
| Average total loans | $93,337,670 | 4,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6915% | 587 |
| Cost of funding earning assets | 2.3645% | 2,445 |
| Net interest margin | 4.3270% | 1,528 |
| Noninterest income to average assets | 0.5889% | 3,636 |
| Noninterest expense to average assets | 2.5115% | 5,796 |
| Loan and lease loss provision to assets | 0.2508% | 3,965 |
| Net operating income to assets | 1.2386% | 1,536 |
| Return on assets (ROA) | 1.2386% | 1,643 |
| Pretax return on assets | 1.9568% | 713 |
| Return on Equity (ROE) | 15.5442% | 886 |
| Retained earnings to average equity (ytd only) | -8.2966% | 6,942 |
| Net charge-offs to loans | 0.0043% | 5,651 |
| Credit loss provision to net charge-offs | 6,600.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 36 |
| Efficiency ratio | 53.2206% | 7,293 |
| Assets per employee ($millions) | 4.8617% | 2,232 |
| Cash dividends to net income (ytd only)* | 153.3742% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 4,879 |
| Loan loss allowance to noncurrent loans | 380.4124% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 6,691 |
| Noncurrent loans to loans | 0.3124% | 6,659 |
| Net loans and leases to total assets | 86.0523% | 441 |
| Net loans and leases to deposits | 111.2886% | 553 |
| Net loans and leases to core deposits | 141.7118% | 1,027 |
| Total domestic deposits to total assets | 77.3236% | 6,202 |
| Equity capital to assets | 7.7685% | 7,105 |
| Core capital (leverage) ratio | 7.6978% | 6,891 |
| Tier 1 risk-based capital ratio | 9.2416% | 7,635 |
| Total risk-based capital ratio | 10.4841% | 7,632 |
| Memoranda: | ||
| Average total assets | $105,276,000 | 5,031 |
| Average earning assets | $100,485,000 | 4,903 |
| Average equity | $8,389,000 | 5,923 |
| Average total loans | $92,012,000 | 4,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3226% | 571 |
| Cost of funding earning assets | 3.0210% | 1,799 |
| Net interest margin | 4.3015% | 1,964 |
| Noninterest income to average assets | 0.4058% | 5,422 |
| Noninterest expense to average assets | 2.6283% | 5,542 |
| Loan and lease loss provision to assets | 0.6328% | 2,293 |
| Net operating income to assets | 0.7882% | 3,489 |
| Return on assets (ROA) | 0.7882% | 3,327 |
| Pretax return on assets | 1.2452% | 2,495 |
| Return on Equity (ROE) | 9.4897% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.4897% | 520 |
| Net charge-offs to loans | 0.0656% | 5,837 |
| Credit loss provision to net charge-offs | 1,105.3571% | 399 |
| Earnings coverage of net charge-offs (x) | 32.8036% | 1,098 |
| Efficiency ratio | 58.3258% | 6,638 |
| Assets per employee ($millions) | 5.1798% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,950 |
| Loan loss allowance to noncurrent loans | 1,371.0526% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 7,280 |
| Noncurrent loans to loans | 0.0836% | 7,170 |
| Net loans and leases to total assets | 86.7185% | 507 |
| Net loans and leases to deposits | 110.8621% | 775 |
| Net loans and leases to core deposits | 144.2430% | 1,083 |
| Total domestic deposits to total assets | 78.2219% | 5,640 |
| Equity capital to assets | 8.1751% | 6,587 |
| Core capital (leverage) ratio | 7.9737% | 6,535 |
| Tier 1 risk-based capital ratio | 9.6317% | 7,171 |
| Total risk-based capital ratio | 10.8254% | 7,128 |
| Memoranda: | ||
| Average total assets | $97,819,400 | 5,120 |
| Average earning assets | $93,245,800 | 4,993 |
| Average equity | $8,124,600 | 6,033 |
| Average total loans | $85,339,200 | 4,350 |