Home > Pacesetter Bank > Performance and Condition Ratios
Pacesetter Bank, Performance and Condition Ratios
| 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 | 3.7206% | 5,081 |
| Cost of funding earning assets | 0.2384% | 6,252 |
| Net interest margin | 3.4822% | 3,852 |
| Noninterest income to average assets | 0.8522% | 1,994 |
| Noninterest expense to average assets | 3.1695% | 2,442 |
| Loan and lease loss provision to assets | 0.1824% | 2,082 |
| Net operating income to assets | 0.4567% | 4,983 |
| Return on assets (ROA) | 0.4567% | 5,155 |
| Pretax return on assets | 0.6975% | 4,688 |
| Return on Equity (ROE) | 4.4900% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.1087% | 4,928 |
| Net charge-offs to loans | 0.9268% | 670 |
| Credit loss provision to net charge-offs | 35.3107% | 3,496 |
| Earnings coverage of net charge-offs (x) | 1.7034% | 3,965 |
| Efficiency ratio | 78.2703% | 2,412 |
| Assets per employee ($millions) | 2.6897% | 6,308 |
| Cash dividends to net income (ytd only)* | 53.0351% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 4,919 |
| Loan loss allowance to noncurrent loans | 182.0116% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 5,102 |
| Noncurrent loans to loans | 0.6662% | 4,609 |
| Net loans and leases to total assets | 57.0064% | 4,133 |
| Net loans and leases to deposits | 63.9744% | 4,509 |
| Net loans and leases to core deposits | 64.6836% | 4,819 |
| Total domestic deposits to total assets | 89.1081% | 1,564 |
| Equity capital to assets | 10.3789% | 3,454 |
| Core capital (leverage) ratio | 10.1765% | 3,268 |
| Tier 1 risk-based capital ratio | 17.7751% | 2,403 |
| Total risk-based capital ratio | 19.0783% | 2,347 |
| Memoranda: | ||
| Average total assets | $137,056,670 | 3,998 |
| Average earning assets | $125,841,000 | 3,992 |
| Average equity | $13,942,000 | 4,160 |
| Average total loans | $76,394,000 | 4,089 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 5,291 |
| Cost of funding earning assets | 0.2429% | 6,332 |
| Net interest margin | 3.4158% | 4,060 |
| Noninterest income to average assets | 0.7980% | 2,130 |
| Noninterest expense to average assets | 3.1834% | 2,408 |
| Loan and lease loss provision to assets | 0.1735% | 2,131 |
| Net operating income to assets | 0.3990% | 5,134 |
| Return on assets (ROA) | 0.3990% | 5,277 |
| Pretax return on assets | 0.5725% | 5,041 |
| Return on Equity (ROE) | 3.9615% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.5789% | 5,193 |
| Net charge-offs to loans | 0.0264% | 3,663 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 51.6000% | 660 |
| Efficiency ratio | 81.0155% | 2,185 |
| Assets per employee ($millions) | 3.0197% | 5,952 |
| Cash dividends to net income (ytd only)* | 60.1449% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 3,259 |
| Loan loss allowance to noncurrent loans | 116.4449% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,286 |
| Noncurrent loans to loans | 1.4029% | 3,464 |
| Net loans and leases to total assets | 53.1006% | 4,540 |
| Net loans and leases to deposits | 59.4660% | 4,855 |
| Net loans and leases to core deposits | 60.3559% | 5,106 |
| Total domestic deposits to total assets | 89.2958% | 1,491 |
| Equity capital to assets | 10.0455% | 4,091 |
| Core capital (leverage) ratio | 10.0057% | 3,373 |
| Tier 1 risk-based capital ratio | 18.3797% | 2,233 |
| Total risk-based capital ratio | 19.7308% | 2,167 |
| Memoranda: | ||
| Average total assets | $138,342,500 | 4,013 |
| Average earning assets | $126,824,000 | 4,005 |
| Average equity | $13,934,000 | 4,210 |
| Average total loans | $75,788,000 | 4,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 4,355 |
| Cost of funding earning assets | 0.4005% | 5,920 |
| Net interest margin | 3.8610% | 2,980 |
| Noninterest income to average assets | 0.9757% | 1,611 |
| Noninterest expense to average assets | 3.5312% | 1,755 |
| Loan and lease loss provision to assets | 0.2456% | 2,690 |
| Net operating income to assets | 0.4641% | 4,824 |
| Return on assets (ROA) | 0.4641% | 5,074 |
| Pretax return on assets | 0.6712% | 4,754 |
| Return on Equity (ROE) | 4.1188% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.7144% | 5,006 |
| Net charge-offs to loans | 0.2562% | 3,405 |
| Credit loss provision to net charge-offs | 156.2500% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,939 |
| Efficiency ratio | 79.3890% | 2,225 |
| Assets per employee ($millions) | 2.9314% | 6,106 |
| Cash dividends to net income (ytd only)* | 58.3774% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,632 |
| Loan loss allowance to noncurrent loans | 125.1337% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 4,563 |
| Noncurrent loans to loans | 1.2208% | 3,809 |
| Net loans and leases to total assets | 54.7406% | 4,501 |
| Net loans and leases to deposits | 61.2503% | 4,876 |
| Net loans and leases to core deposits | 62.1733% | 5,135 |
| Total domestic deposits to total assets | 89.3720% | 1,317 |
| Equity capital to assets | 10.0989% | 4,037 |
| Core capital (leverage) ratio | 10.3453% | 2,951 |
| Tier 1 risk-based capital ratio | 17.8039% | 2,335 |
| Total risk-based capital ratio | 19.1450% | 2,260 |
| Memoranda: | ||
| Average total assets | $122,168,400 | 4,311 |
| Average earning assets | $109,866,600 | 4,340 |
| Average equity | $13,766,000 | 4,209 |
| Average total loans | $74,931,800 | 4,177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 4,042 |
| Cost of funding earning assets | 0.4415% | 5,862 |
| Net interest margin | 3.9597% | 2,668 |
| Noninterest income to average assets | 0.9932% | 1,521 |
| Noninterest expense to average assets | 3.6764% | 1,403 |
| Loan and lease loss provision to assets | 0.2706% | 2,409 |
| Net operating income to assets | 0.4183% | 5,171 |
| Return on assets (ROA) | 0.4183% | 5,403 |
| Pretax return on assets | 0.5953% | 5,183 |
| Return on Equity (ROE) | 3.6030% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.1946% | 5,698 |
| Net charge-offs to loans | 0.1664% | 3,788 |
| Credit loss provision to net charge-offs | 258.0645% | 1,065 |
| Earnings coverage of net charge-offs (x) | 8.2578% | 2,475 |
| Efficiency ratio | 80.9382% | 1,947 |
| Assets per employee ($millions) | 2.7397% | 6,443 |
| Cash dividends to net income (ytd only)* | 66.8473% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 3,446 |
| Loan loss allowance to noncurrent loans | 136.1486% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 4,708 |
| Noncurrent loans to loans | 1.1898% | 4,074 |
| Net loans and leases to total assets | 57.0214% | 4,292 |
| Net loans and leases to deposits | 64.3480% | 4,675 |
| Net loans and leases to core deposits | 65.3951% | 5,012 |
| Total domestic deposits to total assets | 88.6141% | 1,649 |
| Equity capital to assets | 10.7297% | 3,574 |
| Core capital (leverage) ratio | 11.1404% | 2,262 |
| Tier 1 risk-based capital ratio | 18.7650% | 2,084 |
| Total risk-based capital ratio | 20.1054% | 2,024 |
| Memoranda: | ||
| Average total assets | $118,266,250 | 4,437 |
| Average earning assets | $105,998,500 | 4,484 |
| Average equity | $13,729,000 | 4,257 |
| Average total loans | $74,517,250 | 4,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 3,639 |
| Cost of funding earning assets | 0.4736% | 5,806 |
| Net interest margin | 4.0576% | 2,253 |
| Noninterest income to average assets | 0.9933% | 1,488 |
| Noninterest expense to average assets | 3.7763% | 1,252 |
| Loan and lease loss provision to assets | 0.3137% | 2,101 |
| Net operating income to assets | 0.3782% | 5,310 |
| Return on assets (ROA) | 0.3782% | 5,538 |
| Pretax return on assets | 0.5315% | 5,365 |
| Return on Equity (ROE) | 3.1679% | 5,620 |
| Retained earnings to average equity (ytd only) | 0.7445% | 5,764 |
| Net charge-offs to loans | 0.2014% | 3,372 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 2,634 |
| Efficiency ratio | 81.7119% | 1,924 |
| Assets per employee ($millions) | 2.4739% | 6,787 |
| Cash dividends to net income (ytd only)* | 76.4977% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,672 |
| Loan loss allowance to noncurrent loans | 132.4631% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 4,638 |
| Noncurrent loans to loans | 1.1929% | 4,161 |
| Net loans and leases to total assets | 63.8711% | 3,067 |
| Net loans and leases to deposits | 73.2111% | 3,423 |
| Net loans and leases to core deposits | 75.1341% | 3,864 |
| Total domestic deposits to total assets | 87.2423% | 2,623 |
| Equity capital to assets | 12.0767% | 2,092 |
| Core capital (leverage) ratio | 11.9186% | 1,642 |
| Tier 1 risk-based capital ratio | 19.0936% | 1,940 |
| Total risk-based capital ratio | 20.4241% | 1,897 |
| Memoranda: | ||
| Average total assets | $114,767,000 | 4,540 |
| Average earning assets | $102,622,670 | 4,612 |
| Average equity | $13,700,000 | 4,256 |
| Average total loans | $74,479,000 | 4,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 3,780 |
| Cost of funding earning assets | 0.4965% | 5,839 |
| Net interest margin | 4.0378% | 2,341 |
| Noninterest income to average assets | 0.9232% | 1,656 |
| Noninterest expense to average assets | 3.7900% | 1,225 |
| Loan and lease loss provision to assets | 0.3124% | 2,007 |
| Net operating income to assets | 0.3124% | 5,620 |
| Return on assets (ROA) | 0.3124% | 5,780 |
| Pretax return on assets | 0.4338% | 5,635 |
| Return on Equity (ROE) | 2.6319% | 5,852 |
| Retained earnings to average equity (ytd only) | 0.2047% | 5,914 |
| Net charge-offs to loans | 0.2834% | 2,534 |
| Credit loss provision to net charge-offs | 169.8113% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.0566% | 2,675 |
| Efficiency ratio | 83.5501% | 1,731 |
| Assets per employee ($millions) | 2.4636% | 6,876 |
| Cash dividends to net income (ytd only)* | 92.2222% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 4,140 |
| Loan loss allowance to noncurrent loans | 131.9328% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 4,962 |
| Noncurrent loans to loans | 1.1392% | 4,433 |
| Net loans and leases to total assets | 62.1997% | 3,222 |
| Net loans and leases to deposits | 71.0147% | 3,585 |
| Net loans and leases to core deposits | 73.0421% | 4,016 |
| Total domestic deposits to total assets | 87.5870% | 2,598 |
| Equity capital to assets | 11.8110% | 2,178 |
| Core capital (leverage) ratio | 11.7556% | 1,731 |
| Tier 1 risk-based capital ratio | 19.6671% | 1,790 |
| Total risk-based capital ratio | 21.0000% | 1,742 |
| Memoranda: | ||
| Average total assets | $115,251,500 | 4,552 |
| Average earning assets | $103,125,000 | 4,627 |
| Average equity | $13,678,500 | 4,263 |
| Average total loans | $74,793,000 | 4,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 3,894 |
| Cost of funding earning assets | 0.6827% | 5,645 |
| Net interest margin | 4.0990% | 2,431 |
| Noninterest income to average assets | 1.0375% | 1,260 |
| Noninterest expense to average assets | 3.7385% | 1,460 |
| Loan and lease loss provision to assets | 0.3384% | 2,989 |
| Net operating income to assets | 0.4515% | 4,636 |
| Return on assets (ROA) | 0.4515% | 4,845 |
| Pretax return on assets | 0.6447% | 4,535 |
| Return on Equity (ROE) | 3.7348% | 4,983 |
| Retained earnings to average equity (ytd only) | 1.2965% | 5,251 |
| Net charge-offs to loans | 0.3415% | 3,693 |
| Credit loss provision to net charge-offs | 147.8599% | 1,923 |
| Earnings coverage of net charge-offs (x) | 4.2957% | 3,174 |
| Efficiency ratio | 79.1777% | 2,415 |
| Assets per employee ($millions) | 2.4938% | 6,837 |
| Cash dividends to net income (ytd only)* | 65.2860% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,519 |
| Loan loss allowance to noncurrent loans | 107.3812% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 4,685 |
| Noncurrent loans to loans | 1.2934% | 4,213 |
| Net loans and leases to total assets | 65.7327% | 2,833 |
| Net loans and leases to deposits | 75.0909% | 3,331 |
| Net loans and leases to core deposits | 77.2503% | 3,789 |
| Total domestic deposits to total assets | 87.5376% | 2,451 |
| Equity capital to assets | 11.9263% | 2,185 |
| Core capital (leverage) ratio | 11.8549% | 1,684 |
| Tier 1 risk-based capital ratio | 18.8026% | 1,957 |
| Total risk-based capital ratio | 20.1163% | 1,897 |
| Memoranda: | ||
| Average total assets | $112,292,400 | 4,587 |
| Average earning assets | $100,927,400 | 4,615 |
| Average equity | $13,575,200 | 4,223 |
| Average total loans | $75,251,600 | 4,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 4,020 |
| Cost of funding earning assets | 0.7108% | 5,695 |
| Net interest margin | 4.0888% | 2,519 |
| Noninterest income to average assets | 1.0374% | 1,255 |
| Noninterest expense to average assets | 3.7497% | 1,400 |
| Loan and lease loss provision to assets | 0.2268% | 3,746 |
| Net operating income to assets | 0.5133% | 4,487 |
| Return on assets (ROA) | 0.5133% | 4,675 |
| Pretax return on assets | 0.7485% | 4,316 |
| Return on Equity (ROE) | 4.2315% | 4,898 |
| Retained earnings to average equity (ytd only) | 1.7910% | 5,240 |
| Net charge-offs to loans | 0.3807% | 3,209 |
| Credit loss provision to net charge-offs | 88.7850% | 3,812 |
| Earnings coverage of net charge-offs (x) | 3.8177% | 3,285 |
| Efficiency ratio | 79.3583% | 2,354 |
| Assets per employee ($millions) | 2.4988% | 6,889 |
| Cash dividends to net income (ytd only)* | 57.6746% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,438 |
| Loan loss allowance to noncurrent loans | 94.7205% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,805 |
| Noncurrent loans to loans | 1.2727% | 4,405 |
| Net loans and leases to total assets | 66.6874% | 2,746 |
| Net loans and leases to deposits | 76.4750% | 3,256 |
| Net loans and leases to core deposits | 78.3127% | 3,858 |
| Total domestic deposits to total assets | 87.2016% | 2,531 |
| Equity capital to assets | 12.1776% | 2,120 |
| Core capital (leverage) ratio | 11.8656% | 1,782 |
| Tier 1 risk-based capital ratio | 18.3500% | 2,136 |
| Total risk-based capital ratio | 19.6424% | 2,087 |
| Memoranda: | ||
| Average total assets | $111,687,250 | 4,629 |
| Average earning assets | $100,726,750 | 4,654 |
| Average equity | $13,548,750 | 4,232 |
| Average total loans | $74,948,000 | 4,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 4,067 |
| Cost of funding earning assets | 0.7344% | 5,756 |
| Net interest margin | 4.0743% | 2,516 |
| Noninterest income to average assets | 1.0194% | 1,276 |
| Noninterest expense to average assets | 3.7672% | 1,403 |
| Loan and lease loss provision to assets | 0.2154% | 3,765 |
| Net operating income to assets | 0.4846% | 4,567 |
| Return on assets (ROA) | 0.4846% | 4,714 |
| Pretax return on assets | 0.7107% | 4,345 |
| Return on Equity (ROE) | 3.9998% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.5555% | 5,204 |
| Net charge-offs to loans | 0.2787% | 3,493 |
| Credit loss provision to net charge-offs | 115.3846% | 2,652 |
| Earnings coverage of net charge-offs (x) | 4.9615% | 2,728 |
| Efficiency ratio | 80.2677% | 2,351 |
| Assets per employee ($millions) | 2.2985% | 7,123 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 5,198 |
| Loan loss allowance to noncurrent loans | 145.1368% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,688 |
| Noncurrent loans to loans | 0.8749% | 5,207 |
| Net loans and leases to total assets | 65.9276% | 3,044 |
| Net loans and leases to deposits | 75.5151% | 3,558 |
| Net loans and leases to core deposits | 77.1808% | 4,165 |
| Total domestic deposits to total assets | 87.3039% | 2,568 |
| Equity capital to assets | 12.0622% | 2,051 |
| Core capital (leverage) ratio | 11.8732% | 1,683 |
| Tier 1 risk-based capital ratio | 18.2482% | 2,092 |
| Total risk-based capital ratio | 19.5462% | 2,031 |
| Memoranda: | ||
| Average total assets | $111,435,000 | 4,671 |
| Average earning assets | $100,484,000 | 4,697 |
| Average equity | $13,500,670 | 4,225 |
| Average total loans | $74,630,330 | 4,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 4,203 |
| Cost of funding earning assets | 0.7630% | 5,787 |
| Net interest margin | 4.0068% | 2,658 |
| Noninterest income to average assets | 0.9888% | 1,362 |
| Noninterest expense to average assets | 3.8037% | 1,334 |
| Loan and lease loss provision to assets | 0.2165% | 3,485 |
| Net operating income to assets | 0.4294% | 4,808 |
| Return on assets (ROA) | 0.4294% | 4,896 |
| Pretax return on assets | 0.5882% | 4,731 |
| Return on Equity (ROE) | 3.5368% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.0700% | 5,398 |
| Net charge-offs to loans | 0.1238% | 3,787 |
| Credit loss provision to net charge-offs | 260.8696% | 1,204 |
| Earnings coverage of net charge-offs (x) | 9.6957% | 1,698 |
| Efficiency ratio | 82.5372% | 2,147 |
| Assets per employee ($millions) | 2.3519% | 7,142 |
| Cash dividends to net income (ytd only)* | 69.7479% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 5,093 |
| Loan loss allowance to noncurrent loans | 142.4818% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 5,661 |
| Noncurrent loans to loans | 0.9183% | 5,200 |
| Net loans and leases to total assets | 65.2151% | 3,192 |
| Net loans and leases to deposits | 74.5811% | 3,671 |
| Net loans and leases to core deposits | 76.6417% | 4,214 |
| Total domestic deposits to total assets | 87.4419% | 2,692 |
| Equity capital to assets | 11.9345% | 1,956 |
| Core capital (leverage) ratio | 12.0010% | 1,568 |
| Tier 1 risk-based capital ratio | 18.2928% | 2,023 |
| Total risk-based capital ratio | 19.5882% | 1,963 |
| Memoranda: | ||
| Average total assets | $110,840,000 | 4,717 |
| Average earning assets | $100,129,000 | 4,739 |
| Average equity | $13,458,500 | 4,228 |
| Average total loans | $74,342,500 | 4,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 4,124 |
| Cost of funding earning assets | 0.9763% | 5,804 |
| Net interest margin | 4.1169% | 2,496 |
| Noninterest income to average assets | 1.0437% | 1,373 |
| Noninterest expense to average assets | 3.8057% | 1,477 |
| Loan and lease loss provision to assets | 0.2498% | 4,795 |
| Net operating income to assets | 0.4673% | 4,239 |
| Return on assets (ROA) | 0.4673% | 4,408 |
| Pretax return on assets | 0.6051% | 4,306 |
| Return on Equity (ROE) | 3.7691% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.2987% | 4,900 |
| Net charge-offs to loans | 0.1265% | 5,631 |
| Credit loss provision to net charge-offs | 290.3226% | 930 |
| Earnings coverage of net charge-offs (x) | 9.9355% | 1,774 |
| Efficiency ratio | 81.6557% | 2,208 |
| Assets per employee ($millions) | 2.2664% | 7,241 |
| Cash dividends to net income (ytd only)* | 65.5446% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 5,173 |
| Loan loss allowance to noncurrent loans | 135.8900% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 5,667 |
| Noncurrent loans to loans | 0.9327% | 5,185 |
| Net loans and leases to total assets | 67.2384% | 3,160 |
| Net loans and leases to deposits | 77.1986% | 3,638 |
| Net loans and leases to core deposits | 78.7384% | 4,373 |
| Total domestic deposits to total assets | 87.0980% | 2,770 |
| Equity capital to assets | 12.3579% | 1,714 |
| Core capital (leverage) ratio | 12.0318% | 1,524 |
| Tier 1 risk-based capital ratio | 18.4960% | 1,845 |
| Total risk-based capital ratio | 19.7955% | 1,794 |
| Memoranda: | ||
| Average total assets | $108,073,400 | 4,771 |
| Average earning assets | $94,951,200 | 4,864 |
| Average equity | $13,398,400 | 4,285 |
| Average total loans | $73,516,000 | 4,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 4,224 |
| Cost of funding earning assets | 1.0172% | 5,857 |
| Net interest margin | 4.1013% | 2,616 |
| Noninterest income to average assets | 1.0294% | 1,373 |
| Noninterest expense to average assets | 3.8110% | 1,360 |
| Loan and lease loss provision to assets | 0.2410% | 4,672 |
| Net operating income to assets | 0.4424% | 4,578 |
| Return on assets (ROA) | 0.4424% | 4,762 |
| Pretax return on assets | 0.5548% | 4,745 |
| Return on Equity (ROE) | 3.5655% | 4,979 |
| Retained earnings to average equity (ytd only) | 1.0955% | 5,375 |
| Net charge-offs to loans | 0.0854% | 5,678 |
| Credit loss provision to net charge-offs | 414.8936% | 724 |
| Earnings coverage of net charge-offs (x) | 13.7011% | 1,562 |
| Efficiency ratio | 82.7253% | 1,980 |
| Assets per employee ($millions) | 2.3379% | 7,267 |
| Cash dividends to net income (ytd only)* | 69.2743% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,260 |
| Loan loss allowance to noncurrent loans | 116.3683% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 5,688 |
| Noncurrent loans to loans | 1.0700% | 5,097 |
| Net loans and leases to total assets | 65.6817% | 3,757 |
| Net loans and leases to deposits | 75.3891% | 4,285 |
| Net loans and leases to core deposits | 78.1313% | 4,789 |
| Total domestic deposits to total assets | 87.1236% | 2,460 |
| Equity capital to assets | 12.2339% | 2,018 |
| Core capital (leverage) ratio | 12.1222% | 1,604 |
| Tier 1 risk-based capital ratio | 18.3512% | 1,920 |
| Total risk-based capital ratio | 19.6454% | 1,862 |
| Memoranda: | ||
| Average total assets | $107,894,500 | 4,839 |
| Average earning assets | $94,114,750 | 4,948 |
| Average equity | $13,387,000 | 4,352 |
| Average total loans | $73,373,250 | 4,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 4,182 |
| Cost of funding earning assets | 1.0392% | 5,969 |
| Net interest margin | 4.1137% | 2,492 |
| Noninterest income to average assets | 1.0053% | 1,370 |
| Noninterest expense to average assets | 3.8366% | 1,291 |
| Loan and lease loss provision to assets | 0.2238% | 4,664 |
| Net operating income to assets | 0.4327% | 4,611 |
| Return on assets (ROA) | 0.4327% | 4,768 |
| Pretax return on assets | 0.5110% | 4,874 |
| Return on Equity (ROE) | 3.4709% | 5,027 |
| Retained earnings to average equity (ytd only) | 0.9874% | 5,376 |
| Net charge-offs to loans | 0.0871% | 5,267 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 12.3125% | 1,686 |
| Efficiency ratio | 83.9249% | 1,930 |
| Assets per employee ($millions) | 2.4151% | 7,211 |
| Cash dividends to net income (ytd only)* | 71.5517% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,655 |
| Loan loss allowance to noncurrent loans | 103.2807% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 5,607 |
| Noncurrent loans to loans | 1.1212% | 5,082 |
| Net loans and leases to total assets | 66.7565% | 3,678 |
| Net loans and leases to deposits | 76.8573% | 4,180 |
| Net loans and leases to core deposits | 79.6931% | 4,725 |
| Total domestic deposits to total assets | 86.8577% | 2,615 |
| Equity capital to assets | 12.3243% | 1,914 |
| Core capital (leverage) ratio | 12.2103% | 1,535 |
| Tier 1 risk-based capital ratio | 18.9707% | 1,726 |
| Total risk-based capital ratio | 20.2345% | 1,689 |
| Memoranda: | ||
| Average total assets | $107,231,670 | 4,883 |
| Average earning assets | $92,957,670 | 5,017 |
| Average equity | $13,368,330 | 4,359 |
| Average total loans | $73,470,000 | 4,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 3,765 |
| Cost of funding earning assets | 1.0606% | 6,087 |
| Net interest margin | 4.1936% | 2,065 |
| Noninterest income to average assets | 0.9840% | 1,349 |
| Noninterest expense to average assets | 3.8795% | 1,208 |
| Loan and lease loss provision to assets | 0.2253% | 4,242 |
| Net operating income to assets | 0.4432% | 4,646 |
| Return on assets (ROA) | 0.4432% | 4,779 |
| Pretax return on assets | 0.4432% | 5,152 |
| Return on Equity (ROE) | 3.5341% | 5,095 |
| Retained earnings to average equity (ytd only) | 1.0483% | 5,394 |
| Net charge-offs to loans | 0.1578% | 3,980 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 6.1379% | 2,276 |
| Efficiency ratio | 85.3014% | 1,874 |
| Assets per employee ($millions) | 2.3794% | 7,362 |
| Cash dividends to net income (ytd only)* | 70.3390% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 6,059 |
| Loan loss allowance to noncurrent loans | 92.6402% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,554 |
| Noncurrent loans to loans | 1.1743% | 5,016 |
| Net loans and leases to total assets | 67.3391% | 3,541 |
| Net loans and leases to deposits | 77.5232% | 4,126 |
| Net loans and leases to core deposits | 80.4261% | 4,711 |
| Total domestic deposits to total assets | 86.8632% | 2,699 |
| Equity capital to assets | 12.4849% | 1,768 |
| Core capital (leverage) ratio | 12.6754% | 1,337 |
| Tier 1 risk-based capital ratio | 18.3467% | 1,859 |
| Total risk-based capital ratio | 19.5014% | 1,859 |
| Memoranda: | ||
| Average total assets | $106,507,500 | 4,967 |
| Average earning assets | $90,519,000 | 5,151 |
| Average equity | $13,355,500 | 4,391 |
| Average total loans | $73,504,500 | 4,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4271% | 4,551 |
| Cost of funding earning assets | 1.2091% | 6,631 |
| Net interest margin | 4.2180% | 2,008 |
| Noninterest income to average assets | 0.9992% | 1,577 |
| Noninterest expense to average assets | 3.7901% | 1,718 |
| Loan and lease loss provision to assets | 0.2245% | 5,566 |
| Net operating income to assets | 0.5098% | 3,686 |
| Return on assets (ROA) | 0.4566% | 4,025 |
| Pretax return on assets | 0.6315% | 3,807 |
| Return on Equity (ROE) | 3.6754% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.1825% | 4,216 |
| Net charge-offs to loans | 0.5071% | 3,752 |
| Credit loss provision to net charge-offs | 64.5161% | 6,572 |
| Earnings coverage of net charge-offs (x) | 2.6720% | 3,772 |
| Efficiency ratio | 80.2973% | 2,842 |
| Assets per employee ($millions) | 2.2541% | 7,525 |
| Cash dividends to net income (ytd only)* | 67.8279% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,228 |
| Loan loss allowance to noncurrent loans | 100.9272% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 5,511 |
| Noncurrent loans to loans | 1.0187% | 5,277 |
| Net loans and leases to total assets | 69.2379% | 3,426 |
| Net loans and leases to deposits | 79.5480% | 4,081 |
| Net loans and leases to core deposits | 89.2197% | 5,203 |
| Total domestic deposits to total assets | 87.0391% | 2,482 |
| Equity capital to assets | 12.5946% | 1,706 |
| Core capital (leverage) ratio | 12.7297% | 1,339 |
| Tier 1 risk-based capital ratio | 18.4324% | 1,768 |
| Total risk-based capital ratio | 19.5495% | 1,764 |
| Memoranda: | ||
| Average total assets | $106,882,400 | 4,905 |
| Average earning assets | $94,286,400 | 5,003 |
| Average equity | $13,277,400 | 4,438 |
| Average total loans | $73,354,600 | 4,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 4,664 |
| Cost of funding earning assets | 1.2500% | 6,727 |
| Net interest margin | 4.2043% | 2,043 |
| Noninterest income to average assets | 0.9783% | 1,676 |
| Noninterest expense to average assets | 3.7553% | 1,694 |
| Loan and lease loss provision to assets | 0.2240% | 5,180 |
| Net operating income to assets | 0.5096% | 3,943 |
| Return on assets (ROA) | 0.5016% | 4,068 |
| Pretax return on assets | 0.7095% | 3,823 |
| Return on Equity (ROE) | 4.0519% | 4,355 |
| Retained earnings to average equity (ytd only) | 1.5484% | 4,445 |
| Net charge-offs to loans | 0.1257% | 5,439 |
| Credit loss provision to net charge-offs | 260.8696% | 1,632 |
| Earnings coverage of net charge-offs (x) | 10.9997% | 1,890 |
| Efficiency ratio | 79.8994% | 2,861 |
| Assets per employee ($millions) | 2.1389% | 7,674 |
| Cash dividends to net income (ytd only)* | 61.7863% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 4,156 |
| Loan loss allowance to noncurrent loans | 124.3812% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 5,367 |
| Noncurrent loans to loans | 1.0938% | 5,125 |
| Net loans and leases to total assets | 70.9731% | 3,277 |
| Net loans and leases to deposits | 82.2434% | 3,973 |
| Net loans and leases to core deposits | 91.2456% | 5,305 |
| Total domestic deposits to total assets | 86.2965% | 2,543 |
| Equity capital to assets | 12.9954% | 1,701 |
| Core capital (leverage) ratio | 12.3800% | 1,627 |
| Tier 1 risk-based capital ratio | 18.4200% | 1,885 |
| Total risk-based capital ratio | 19.7190% | 1,818 |
| Memoranda: | ||
| Average total assets | $107,117,500 | 4,931 |
| Average earning assets | $94,821,250 | 5,012 |
| Average equity | $13,261,000 | 4,472 |
| Average total loans | $73,164,750 | 4,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 5,416 |
| Cost of funding earning assets | 1.2706% | 6,896 |
| Net interest margin | 4.0745% | 2,425 |
| Noninterest income to average assets | 0.9668% | 1,706 |
| Noninterest expense to average assets | 3.7366% | 1,766 |
| Loan and lease loss provision to assets | 0.2210% | 4,824 |
| Net operating income to assets | 0.4696% | 4,218 |
| Return on assets (ROA) | 0.4696% | 4,333 |
| Pretax return on assets | 0.6648% | 4,120 |
| Return on Equity (ROE) | 3.8537% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.3450% | 4,591 |
| Net charge-offs to loans | 0.1810% | 4,443 |
| Credit loss provision to net charge-offs | 181.8182% | 2,523 |
| Earnings coverage of net charge-offs (x) | 7.2879% | 2,464 |
| Efficiency ratio | 80.8367% | 2,913 |
| Assets per employee ($millions) | 2.3579% | 7,483 |
| Cash dividends to net income (ytd only)* | 65.0980% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 4,314 |
| Loan loss allowance to noncurrent loans | 123.5984% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 5,332 |
| Noncurrent loans to loans | 1.0452% | 5,125 |
| Net loans and leases to total assets | 68.2641% | 4,115 |
| Net loans and leases to deposits | 78.5974% | 4,766 |
| Net loans and leases to core deposits | 86.2257% | 5,883 |
| Total domestic deposits to total assets | 86.8529% | 2,330 |
| Equity capital to assets | 12.5091% | 1,917 |
| Core capital (leverage) ratio | 12.2027% | 1,745 |
| Tier 1 risk-based capital ratio | 18.3464% | 1,917 |
| Total risk-based capital ratio | 19.6382% | 1,858 |
| Memoranda: | ||
| Average total assets | $108,601,000 | 4,924 |
| Average earning assets | $97,434,670 | 4,967 |
| Average equity | $13,234,000 | 4,483 |
| Average total loans | $72,929,330 | 4,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 6,238 |
| Cost of funding earning assets | 1.3294% | 6,932 |
| Net interest margin | 3.8848% | 3,113 |
| Noninterest income to average assets | 0.9613% | 1,599 |
| Noninterest expense to average assets | 3.5868% | 1,893 |
| Loan and lease loss provision to assets | 0.2185% | 4,269 |
| Net operating income to assets | 0.4916% | 4,460 |
| Return on assets (ROA) | 0.4916% | 4,648 |
| Pretax return on assets | 0.7101% | 4,402 |
| Return on Equity (ROE) | 4.0864% | 4,892 |
| Retained earnings to average equity (ytd only) | 1.5740% | 4,973 |
| Net charge-offs to loans | 0.2696% | 3,050 |
| Credit loss provision to net charge-offs | 122.4490% | 3,225 |
| Earnings coverage of net charge-offs (x) | 5.2041% | 2,726 |
| Efficiency ratio | 79.4355% | 2,920 |
| Assets per employee ($millions) | 2.2038% | 7,710 |
| Cash dividends to net income (ytd only)* | 61.4815% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,513 |
| Loan loss allowance to noncurrent loans | 111.5906% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,209 |
| Noncurrent loans to loans | 1.1129% | 4,755 |
| Net loans and leases to total assets | 66.6423% | 4,427 |
| Net loans and leases to deposits | 76.7913% | 5,113 |
| Net loans and leases to core deposits | 84.2484% | 6,048 |
| Total domestic deposits to total assets | 86.7836% | 2,319 |
| Equity capital to assets | 12.2450% | 2,110 |
| Core capital (leverage) ratio | 12.1003% | 1,854 |
| Tier 1 risk-based capital ratio | 18.4608% | 1,945 |
| Total risk-based capital ratio | 19.7474% | 1,895 |
| Memoranda: | ||
| Average total assets | $109,848,000 | 4,911 |
| Average earning assets | $100,494,500 | 4,901 |
| Average equity | $13,214,500 | 4,532 |
| Average total loans | $72,703,500 | 4,881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 5,989 |
| Cost of funding earning assets | 2.0915% | 6,092 |
| Net interest margin | 3.8184% | 3,946 |
| Noninterest income to average assets | 1.0804% | 1,352 |
| Noninterest expense to average assets | 3.5396% | 2,289 |
| Loan and lease loss provision to assets | 0.1706% | 5,199 |
| Net operating income to assets | 0.5369% | 4,594 |
| Return on assets (ROA) | 0.5538% | 4,366 |
| Pretax return on assets | 0.8031% | 4,061 |
| Return on Equity (ROE) | 4.8520% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.3072% | 3,768 |
| Net charge-offs to loans | 0.1887% | 4,299 |
| Credit loss provision to net charge-offs | 138.2979% | 3,845 |
| Earnings coverage of net charge-offs (x) | 7.6950% | 3,044 |
| Efficiency ratio | 78.8540% | 2,782 |
| Assets per employee ($millions) | 2.1483% | 7,770 |
| Cash dividends to net income (ytd only)* | 52.4487% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 4,288 |
| Loan loss allowance to noncurrent loans | 99.0033% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 4,783 |
| Noncurrent loans to loans | 1.2449% | 4,027 |
| Net loans and leases to total assets | 64.1336% | 5,244 |
| Net loans and leases to deposits | 74.0198% | 5,842 |
| Net loans and leases to core deposits | 80.6827% | 6,563 |
| Total domestic deposits to total assets | 86.6439% | 2,116 |
| Equity capital to assets | 11.8218% | 2,407 |
| Core capital (leverage) ratio | 11.5108% | 2,244 |
| Tier 1 risk-based capital ratio | 18.6892% | 1,870 |
| Total risk-based capital ratio | 19.9744% | 1,817 |
| Memoranda: | ||
| Average total assets | $114,305,200 | 4,663 |
| Average earning assets | $102,032,800 | 4,748 |
| Average equity | $13,046,200 | 4,559 |
| Average total loans | $74,724,000 | 4,704 |