Home > Seaway Bank and Trust Company > Performance and Condition Ratios
Seaway Bank and Trust Company, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,309 |
| Cost of funding earning assets | 0.5775% | 1,502 |
| Net interest margin | 3.0928% | 4,748 |
| Noninterest income to average assets | 1.9261% | 357 |
| Noninterest expense to average assets | 11.2582% | 63 |
| Loan and lease loss provision to assets | 0.4124% | 371 |
| Net operating income to assets | -7.2155% | 5,910 |
| Return on assets (ROA) | -7.2163% | 5,910 |
| Pretax return on assets | -7.2163% | 5,910 |
| Return on Equity (ROE) | -156.0080% | 5,912 |
| Retained earnings to average equity (ytd only) | -156.0080% | 5,912 |
| Net charge-offs to loans | 1.1500% | 155 |
| Credit loss provision to net charge-offs | 57.6078% | 3,285 |
| Earnings coverage of net charge-offs (x) | -9.5020% | 4,237 |
| Efficiency ratio | 249.2123% | 8 |
| Assets per employee ($millions) | 1.4816% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 321 |
| Loan loss allowance to noncurrent loans | 28.2334% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 6.7050% | 74 |
| Noncurrent loans to loans | 8.7763% | 40 |
| Net loans and leases to total assets | 66.2371% | 3,040 |
| Net loans and leases to deposits | 76.9030% | 3,213 |
| Net loans and leases to core deposits | 80.5768% | 3,343 |
| Total domestic deposits to total assets | 86.1307% | 2,518 |
| Equity capital to assets | -1.9445% | 5,912 |
| Core capital (leverage) ratio | -1.7888% | 5,912 |
| Tier 1 risk-based capital ratio | -3.1129% | 5,912 |
| Total risk-based capital ratio | -1.8453% | 5,912 |
| Memoranda: | ||
| Average total assets | $356,166,200 | 1,873 |
| Average earning assets | $291,256,600 | 2,091 |
| Average equity | $16,474,800 | 3,625 |
| Average total loans | $221,738,400 | 1,966 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 4,358 |
| Cost of funding earning assets | 0.5537% | 1,656 |
| Net interest margin | 3.1110% | 4,747 |
| Noninterest income to average assets | 1.8448% | 394 |
| Noninterest expense to average assets | 8.6002% | 90 |
| Loan and lease loss provision to assets | 0.2668% | 678 |
| Net operating income to assets | -4.4884% | 5,975 |
| Return on assets (ROA) | -4.4877% | 5,975 |
| Pretax return on assets | -4.4877% | 5,973 |
| Return on Equity (ROE) | -75.4869% | 5,976 |
| Retained earnings to average equity (ytd only) | -75.4869% | 5,974 |
| Net charge-offs to loans | 1.3344% | 110 |
| Credit loss provision to net charge-offs | 32.7160% | 3,205 |
| Earnings coverage of net charge-offs (x) | -5.1759% | 3,899 |
| Efficiency ratio | 195.6718% | 14 |
| Assets per employee ($millions) | 1.9956% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 578 |
| Loan loss allowance to noncurrent loans | 22.3238% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 6.4159% | 88 |
| Noncurrent loans to loans | 9.5127% | 41 |
| Net loans and leases to total assets | 58.2765% | 4,074 |
| Net loans and leases to deposits | 68.5382% | 4,103 |
| Net loans and leases to core deposits | 72.6163% | 4,115 |
| Total domestic deposits to total assets | 85.0278% | 2,792 |
| Equity capital to assets | 2.0667% | 5,978 |
| Core capital (leverage) ratio | 1.9298% | 5,979 |
| Tier 1 risk-based capital ratio | 3.2728% | 5,977 |
| Total risk-based capital ratio | 4.5331% | 5,977 |
| Memoranda: | ||
| Average total assets | $370,755,500 | 1,807 |
| Average earning assets | $301,978,750 | 2,036 |
| Average equity | $22,041,250 | 3,003 |
| Average total loans | $226,605,000 | 1,934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 4,342 |
| Cost of funding earning assets | 0.5448% | 1,739 |
| Net interest margin | 3.1397% | 4,716 |
| Noninterest income to average assets | 1.7864% | 404 |
| Noninterest expense to average assets | 9.4057% | 80 |
| Loan and lease loss provision to assets | 0.8103% | 131 |
| Net operating income to assets | -3.6569% | 6,043 |
| Return on assets (ROA) | -3.6562% | 6,042 |
| Pretax return on assets | -5.8950% | 6,053 |
| Return on Equity (ROE) | -50.8253% | 6,047 |
| Retained earnings to average equity (ytd only) | -50.8253% | 6,038 |
| Net charge-offs to loans | 1.0727% | 163 |
| Credit loss provision to net charge-offs | 122.5728% | 1,836 |
| Earnings coverage of net charge-offs (x) | -7.6934% | 3,643 |
| Efficiency ratio | 216.9865% | 16 |
| Assets per employee ($millions) | 1.6835% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 241 |
| Loan loss allowance to noncurrent loans | 16.8723% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 11.1732% | 35 |
| Noncurrent loans to loans | 16.8714% | 9 |
| Net loans and leases to total assets | 57.4142% | 4,179 |
| Net loans and leases to deposits | 71.8497% | 3,800 |
| Net loans and leases to core deposits | 76.1085% | 3,813 |
| Total domestic deposits to total assets | 79.9087% | 4,570 |
| Equity capital to assets | 7.1115% | 5,958 |
| Core capital (leverage) ratio | 3.2061% | 6,047 |
| Tier 1 risk-based capital ratio | 5.4968% | 6,041 |
| Total risk-based capital ratio | 6.8096% | 6,042 |
| Memoranda: | ||
| Average total assets | $373,941,670 | 1,795 |
| Average earning assets | $301,750,330 | 2,048 |
| Average equity | $26,900,000 | 2,601 |
| Average total loans | $230,453,330 | 1,908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,501 |
| Cost of funding earning assets | 0.5285% | 1,878 |
| Net interest margin | 3.1141% | 4,821 |
| Noninterest income to average assets | 1.4406% | 543 |
| Noninterest expense to average assets | 11.4567% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -4.5657% | 6,108 |
| Return on assets (ROA) | -4.5650% | 6,108 |
| Pretax return on assets | -7.4773% | 6,117 |
| Return on Equity (ROE) | -63.0917% | 6,107 |
| Retained earnings to average equity (ytd only) | -63.0917% | 6,090 |
| Net charge-offs to loans | 2.0175% | 76 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -5.8914% | 3,045 |
| Efficiency ratio | 287.1719% | 10 |
| Assets per employee ($millions) | 1.6217% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1002% | 683 |
| Loan loss allowance to noncurrent loans | 10.7860% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 13.3108% | 31 |
| Noncurrent loans to loans | 19.4714% | 6 |
| Net loans and leases to total assets | 61.4145% | 3,604 |
| Net loans and leases to deposits | 76.6124% | 3,156 |
| Net loans and leases to core deposits | 81.5767% | 3,170 |
| Total domestic deposits to total assets | 80.1626% | 4,711 |
| Equity capital to assets | 6.6491% | 6,031 |
| Core capital (leverage) ratio | 3.7267% | 6,101 |
| Tier 1 risk-based capital ratio | 5.5305% | 6,099 |
| Total risk-based capital ratio | 6.8226% | 6,101 |
| Memoranda: | ||
| Average total assets | $371,522,000 | 1,806 |
| Average earning assets | $302,751,000 | 2,041 |
| Average equity | $26,881,500 | 2,603 |
| Average total loans | $233,757,000 | 1,888 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,352 |
| Cost of funding earning assets | 0.5708% | 1,590 |
| Net interest margin | 4.0224% | 1,643 |
| Noninterest income to average assets | 2.4084% | 276 |
| Noninterest expense to average assets | 9.5752% | 77 |
| Loan and lease loss provision to assets | 0.8584% | 103 |
| Net operating income to assets | -2.8077% | 6,159 |
| Return on assets (ROA) | -2.8354% | 6,160 |
| Pretax return on assets | -4.7631% | 6,174 |
| Return on Equity (ROE) | -29.1477% | 6,150 |
| Retained earnings to average equity (ytd only) | -29.1477% | 6,142 |
| Net charge-offs to loans | 4.9736% | 4 |
| Credit loss provision to net charge-offs | 27.2362% | 3,682 |
| Earnings coverage of net charge-offs (x) | -1.2253% | 4,338 |
| Efficiency ratio | 167.0508% | 26 |
| Assets per employee ($millions) | 1.6420% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7812% | 287 |
| Loan loss allowance to noncurrent loans | 12.9942% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 14.7665% | 26 |
| Noncurrent loans to loans | 21.4032% | 6 |
| Net loans and leases to total assets | 61.4545% | 3,635 |
| Net loans and leases to deposits | 78.4021% | 3,006 |
| Net loans and leases to core deposits | 83.5283% | 3,003 |
| Total domestic deposits to total assets | 78.3837% | 5,084 |
| Equity capital to assets | 7.9411% | 5,875 |
| Core capital (leverage) ratio | 5.4546% | 6,138 |
| Tier 1 risk-based capital ratio | 9.5067% | 6,041 |
| Total risk-based capital ratio | 12.0349% | 5,546 |
| Memoranda: | ||
| Average total assets | $394,823,000 | 1,668 |
| Average earning assets | $324,430,400 | 1,868 |
| Average equity | $38,407,800 | 1,869 |
| Average total loans | $250,183,000 | 1,726 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 785 |
| Cost of funding earning assets | 0.5122% | 2,102 |
| Net interest margin | 4.3754% | 834 |
| Noninterest income to average assets | 2.5917% | 255 |
| Noninterest expense to average assets | 8.1872% | 106 |
| Loan and lease loss provision to assets | 0.2463% | 699 |
| Net operating income to assets | -1.3357% | 6,209 |
| Return on assets (ROA) | -1.3723% | 6,211 |
| Pretax return on assets | -2.2873% | 6,234 |
| Return on Equity (ROE) | -13.5345% | 6,205 |
| Retained earnings to average equity (ytd only) | -13.5345% | 6,167 |
| Net charge-offs to loans | 5.1640% | 6 |
| Credit loss provision to net charge-offs | 7.5221% | 3,471 |
| Earnings coverage of net charge-offs (x) | -0.6059% | 4,036 |
| Efficiency ratio | 131.4975% | 69 |
| Assets per employee ($millions) | 1.6572% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6290% | 365 |
| Loan loss allowance to noncurrent loans | 12.2032% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 15.4371% | 20 |
| Noncurrent loans to loans | 21.5438% | 4 |
| Net loans and leases to total assets | 61.7623% | 3,645 |
| Net loans and leases to deposits | 79.6383% | 2,923 |
| Net loans and leases to core deposits | 86.8110% | 2,771 |
| Total domestic deposits to total assets | 77.5535% | 5,254 |
| Equity capital to assets | 9.6844% | 4,536 |
| Core capital (leverage) ratio | 8.5961% | 5,466 |
| Tier 1 risk-based capital ratio | 15.7140% | 2,942 |
| Total risk-based capital ratio | 16.9862% | 2,863 |
| Memoranda: | ||
| Average total assets | $401,167,750 | 1,656 |
| Average earning assets | $331,145,000 | 1,844 |
| Average equity | $40,675,250 | 1,788 |
| Average total loans | $254,345,000 | 1,708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 307 |
| Cost of funding earning assets | 0.4955% | 2,286 |
| Net interest margin | 4.9139% | 293 |
| Noninterest income to average assets | 2.9987% | 216 |
| Noninterest expense to average assets | 6.5798% | 163 |
| Loan and lease loss provision to assets | 1.3570% | 45 |
| Net operating income to assets | -0.5248% | 6,193 |
| Return on assets (ROA) | -0.5791% | 6,212 |
| Pretax return on assets | -0.9651% | 6,255 |
| Return on Equity (ROE) | -5.6310% | 6,201 |
| Retained earnings to average equity (ytd only) | -5.6310% | 6,045 |
| Net charge-offs to loans | 1.5675% | 109 |
| Credit loss provision to net charge-offs | 136.5709% | 1,634 |
| Earnings coverage of net charge-offs (x) | 0.4797% | 3,651 |
| Efficiency ratio | 92.8267% | 589 |
| Assets per employee ($millions) | 1.6472% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5746% | 25 |
| Loan loss allowance to noncurrent loans | 31.2245% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 14.8384% | 29 |
| Noncurrent loans to loans | 21.0559% | 9 |
| Net loans and leases to total assets | 58.7876% | 4,006 |
| Net loans and leases to deposits | 76.0220% | 3,267 |
| Net loans and leases to core deposits | 83.3240% | 3,045 |
| Total domestic deposits to total assets | 77.3297% | 5,405 |
| Equity capital to assets | 10.2066% | 3,799 |
| Core capital (leverage) ratio | 8.6370% | 5,387 |
| Tier 1 risk-based capital ratio | 16.8730% | 2,453 |
| Total risk-based capital ratio | 18.2064% | 2,375 |
| Memoranda: | ||
| Average total assets | $406,181,330 | 1,642 |
| Average earning assets | $335,413,670 | 1,839 |
| Average equity | $41,769,000 | 1,765 |
| Average total loans | $257,486,670 | 1,697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 112 |
| Cost of funding earning assets | 0.4716% | 2,549 |
| Net interest margin | 5.6726% | 96 |
| Noninterest income to average assets | 3.8814% | 162 |
| Noninterest expense to average assets | 9.4397% | 88 |
| Loan and lease loss provision to assets | -0.6770% | 6,369 |
| Net operating income to assets | -0.0872% | 6,090 |
| Return on assets (ROA) | -0.1940% | 6,166 |
| Pretax return on assets | -0.3239% | 6,194 |
| Return on Equity (ROE) | -1.8796% | 6,168 |
| Retained earnings to average equity (ytd only) | -1.8796% | 5,680 |
| Net charge-offs to loans | 2.8876% | 47 |
| Credit loss provision to net charge-offs | -36.8532% | 4,372 |
| Earnings coverage of net charge-offs (x) | -0.4541% | 3,146 |
| Efficiency ratio | 109.3542% | 201 |
| Assets per employee ($millions) | 1.7229% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9916% | 67 |
| Loan loss allowance to noncurrent loans | 24.0684% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 14.5986% | 30 |
| Noncurrent loans to loans | 20.7392% | 12 |
| Net loans and leases to total assets | 60.9103% | 3,536 |
| Net loans and leases to deposits | 78.6473% | 2,725 |
| Net loans and leases to core deposits | 86.6336% | 2,478 |
| Total domestic deposits to total assets | 77.4474% | 5,543 |
| Equity capital to assets | 10.5177% | 3,513 |
| Core capital (leverage) ratio | 9.3635% | 4,482 |
| Tier 1 risk-based capital ratio | 18.5654% | 1,985 |
| Total risk-based capital ratio | 19.8623% | 1,924 |
| Memoranda: | ||
| Average total assets | $412,428,500 | 1,632 |
| Average earning assets | $343,476,000 | 1,785 |
| Average equity | $42,562,500 | 1,745 |
| Average total loans | $262,367,000 | 1,670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 390 |
| Cost of funding earning assets | 0.5301% | 2,388 |
| Net interest margin | 4.8564% | 392 |
| Noninterest income to average assets | 2.1182% | 314 |
| Noninterest expense to average assets | 6.8575% | 144 |
| Loan and lease loss provision to assets | -0.4633% | 6,441 |
| Net operating income to assets | -0.1254% | 6,173 |
| Return on assets (ROA) | -0.4071% | 6,274 |
| Pretax return on assets | -0.6782% | 6,319 |
| Return on Equity (ROE) | -5.2820% | 6,291 |
| Retained earnings to average equity (ytd only) | -5.2820% | 6,186 |
| Net charge-offs to loans | 0.7453% | 481 |
| Credit loss provision to net charge-offs | -114.2788% | 5,548 |
| Earnings coverage of net charge-offs (x) | -1.7299% | 4,830 |
| Efficiency ratio | 111.0095% | 206 |
| Assets per employee ($millions) | 1.7646% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8641% | 44 |
| Loan loss allowance to noncurrent loans | 27.6461% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 15.0419% | 34 |
| Noncurrent loans to loans | 21.2111% | 10 |
| Net loans and leases to total assets | 59.4352% | 3,854 |
| Net loans and leases to deposits | 75.5343% | 3,251 |
| Net loans and leases to core deposits | 91.1108% | 2,178 |
| Total domestic deposits to total assets | 78.6865% | 5,313 |
| Equity capital to assets | 10.1293% | 3,948 |
| Core capital (leverage) ratio | 8.0227% | 5,988 |
| Tier 1 risk-based capital ratio | 15.5733% | 3,194 |
| Total risk-based capital ratio | 16.8910% | 3,091 |
| Memoranda: | ||
| Average total assets | $511,383,600 | 1,313 |
| Average earning assets | $425,212,600 | 1,442 |
| Average equity | $39,416,800 | 1,794 |
| Average total loans | $278,142,000 | 1,529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 175 |
| Cost of funding earning assets | 0.5381% | 2,389 |
| Net interest margin | 5.3247% | 174 |
| Noninterest income to average assets | 1.7749% | 415 |
| Noninterest expense to average assets | 6.3176% | 163 |
| Loan and lease loss provision to assets | 1.2169% | 73 |
| Net operating income to assets | -1.0491% | 6,468 |
| Return on assets (ROA) | -1.3502% | 6,491 |
| Pretax return on assets | -1.7128% | 6,505 |
| Return on Equity (ROE) | -18.6695% | 6,501 |
| Retained earnings to average equity (ytd only) | -18.6695% | 6,480 |
| Net charge-offs to loans | 2.0877% | 96 |
| Credit loss provision to net charge-offs | 110.6673% | 2,032 |
| Earnings coverage of net charge-offs (x) | -0.1044% | 4,462 |
| Efficiency ratio | 101.4887% | 337 |
| Assets per employee ($millions) | 2.2088% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5365% | 26 |
| Loan loss allowance to noncurrent loans | 39.0127% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 11.5317% | 71 |
| Noncurrent loans to loans | 19.3180% | 12 |
| Net loans and leases to total assets | 48.5694% | 5,143 |
| Net loans and leases to deposits | 57.6221% | 5,126 |
| Net loans and leases to core deposits | 81.4188% | 3,159 |
| Total domestic deposits to total assets | 84.2895% | 3,644 |
| Equity capital to assets | 7.3667% | 6,328 |
| Core capital (leverage) ratio | 6.6327% | 6,426 |
| Tier 1 risk-based capital ratio | 14.0960% | 4,149 |
| Total risk-based capital ratio | 15.4367% | 4,019 |
| Memoranda: | ||
| Average total assets | $534,237,500 | 1,260 |
| Average earning assets | $444,260,250 | 1,391 |
| Average equity | $38,636,000 | 1,836 |
| Average total loans | $281,388,000 | 1,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 360 |
| Cost of funding earning assets | 0.5611% | 2,248 |
| Net interest margin | 4.8588% | 373 |
| Noninterest income to average assets | 1.8947% | 374 |
| Noninterest expense to average assets | 5.8215% | 194 |
| Loan and lease loss provision to assets | 1.2251% | 76 |
| Net operating income to assets | -1.0735% | 6,534 |
| Return on assets (ROA) | -1.2951% | 6,558 |
| Pretax return on assets | -1.3607% | 6,546 |
| Return on Equity (ROE) | -18.0151% | 6,570 |
| Retained earnings to average equity (ytd only) | -18.0151% | 6,527 |
| Net charge-offs to loans | 0.7475% | 512 |
| Credit loss provision to net charge-offs | 310.9023% | 834 |
| Earnings coverage of net charge-offs (x) | 0.2481% | 4,084 |
| Efficiency ratio | 97.9728% | 468 |
| Assets per employee ($millions) | 1.8763% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9798% | 22 |
| Loan loss allowance to noncurrent loans | 45.7143% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 10.5948% | 91 |
| Noncurrent loans to loans | 17.4557% | 21 |
| Net loans and leases to total assets | 49.3332% | 5,033 |
| Net loans and leases to deposits | 55.2949% | 5,254 |
| Net loans and leases to core deposits | 79.5648% | 3,258 |
| Total domestic deposits to total assets | 89.2184% | 1,237 |
| Equity capital to assets | 7.4542% | 6,360 |
| Core capital (leverage) ratio | 6.8419% | 6,452 |
| Tier 1 risk-based capital ratio | 15.1400% | 3,560 |
| Total risk-based capital ratio | 16.4879% | 3,450 |
| Memoranda: | ||
| Average total assets | $540,032,670 | 1,248 |
| Average earning assets | $447,314,670 | 1,375 |
| Average equity | $38,823,000 | 1,821 |
| Average total loans | $284,686,330 | 1,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 447 |
| Cost of funding earning assets | 0.5746% | 2,204 |
| Net interest margin | 4.6780% | 487 |
| Noninterest income to average assets | 2.0350% | 331 |
| Noninterest expense to average assets | 5.3983% | 255 |
| Loan and lease loss provision to assets | 1.2549% | 87 |
| Net operating income to assets | -0.4522% | 6,455 |
| Return on assets (ROA) | -0.4522% | 6,459 |
| Pretax return on assets | -0.7532% | 6,522 |
| Return on Equity (ROE) | -6.4020% | 6,500 |
| Retained earnings to average equity (ytd only) | -6.4020% | 6,199 |
| Net charge-offs to loans | 0.8675% | 403 |
| Credit loss provision to net charge-offs | 276.6026% | 841 |
| Earnings coverage of net charge-offs (x) | 1.1058% | 3,179 |
| Efficiency ratio | 91.1275% | 942 |
| Assets per employee ($millions) | 2.0141% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3065% | 25 |
| Loan loss allowance to noncurrent loans | 41.3038% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 10.5159% | 105 |
| Noncurrent loans to loans | 17.6896% | 26 |
| Net loans and leases to total assets | 49.2074% | 4,979 |
| Net loans and leases to deposits | 54.3555% | 5,252 |
| Net loans and leases to core deposits | 81.2249% | 2,824 |
| Total domestic deposits to total assets | 90.5289% | 784 |
| Equity capital to assets | 7.2565% | 6,389 |
| Core capital (leverage) ratio | 7.3345% | 6,393 |
| Tier 1 risk-based capital ratio | 15.3067% | 3,549 |
| Total risk-based capital ratio | 16.6413% | 3,455 |
| Memoranda: | ||
| Average total assets | $550,176,500 | 1,226 |
| Average earning assets | $454,555,000 | 1,360 |
| Average equity | $38,863,000 | 1,810 |
| Average total loans | $287,708,500 | 1,491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 557 |
| Cost of funding earning assets | 0.6569% | 2,153 |
| Net interest margin | 4.6197% | 587 |
| Noninterest income to average assets | 1.7411% | 492 |
| Noninterest expense to average assets | 4.8909% | 379 |
| Loan and lease loss provision to assets | 0.3238% | 1,010 |
| Net operating income to assets | 0.1685% | 5,894 |
| Return on assets (ROA) | 0.1745% | 5,951 |
| Pretax return on assets | 0.3297% | 5,647 |
| Return on Equity (ROE) | 2.2545% | 5,752 |
| Retained earnings to average equity (ytd only) | -2.4218% | 6,215 |
| Net charge-offs to loans | -0.5220% | 6,727 |
| Credit loss provision to net charge-offs | -120.3209% | 5,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9724% | 1,220 |
| Assets per employee ($millions) | 2.0923% | 6,609 |
| Cash dividends to net income (ytd only)* | 207.4227% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9721% | 24 |
| Loan loss allowance to noncurrent loans | 38.3454% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 10.6260% | 114 |
| Noncurrent loans to loans | 18.1825% | 26 |
| Net loans and leases to total assets | 47.9276% | 5,299 |
| Net loans and leases to deposits | 52.7176% | 5,569 |
| Net loans and leases to core deposits | 76.0571% | 3,602 |
| Total domestic deposits to total assets | 90.9138% | 608 |
| Equity capital to assets | 6.8753% | 6,489 |
| Core capital (leverage) ratio | 7.1828% | 6,478 |
| Tier 1 risk-based capital ratio | 15.3876% | 3,438 |
| Total risk-based capital ratio | 16.7170% | 3,344 |
| Memoranda: | ||
| Average total assets | $555,926,000 | 1,190 |
| Average earning assets | $456,564,000 | 1,328 |
| Average equity | $43,025,000 | 1,631 |
| Average total loans | $286,568,600 | 1,481 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 449 |
| Cost of funding earning assets | 0.6758% | 2,132 |
| Net interest margin | 4.7209% | 498 |
| Noninterest income to average assets | 1.7299% | 514 |
| Noninterest expense to average assets | 4.7608% | 416 |
| Loan and lease loss provision to assets | 0.2161% | 1,683 |
| Net operating income to assets | 0.3771% | 5,345 |
| Return on assets (ROA) | 0.3850% | 5,438 |
| Pretax return on assets | 0.6417% | 4,880 |
| Return on Equity (ROE) | 4.8398% | 4,807 |
| Retained earnings to average equity (ytd only) | -1.2273% | 6,165 |
| Net charge-offs to loans | -1.7245% | 6,843 |
| Credit loss provision to net charge-offs | -24.3119% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5351% | 1,530 |
| Assets per employee ($millions) | 2.0429% | 6,691 |
| Cash dividends to net income (ytd only)* | 125.3581% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3706% | 23 |
| Loan loss allowance to noncurrent loans | 35.8506% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 11.8237% | 95 |
| Noncurrent loans to loans | 20.5593% | 17 |
| Net loans and leases to total assets | 48.5320% | 5,295 |
| Net loans and leases to deposits | 54.0593% | 5,534 |
| Net loans and leases to core deposits | 77.7972% | 3,386 |
| Total domestic deposits to total assets | 89.7754% | 1,122 |
| Equity capital to assets | 7.3004% | 6,460 |
| Core capital (leverage) ratio | 7.3433% | 6,495 |
| Tier 1 risk-based capital ratio | 16.2819% | 3,050 |
| Total risk-based capital ratio | 17.6199% | 2,972 |
| Memoranda: | ||
| Average total assets | $555,772,750 | 1,205 |
| Average earning assets | $456,340,250 | 1,337 |
| Average equity | $44,215,250 | 1,597 |
| Average total loans | $286,529,000 | 1,484 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 298 |
| Cost of funding earning assets | 0.6944% | 2,113 |
| Net interest margin | 4.9418% | 340 |
| Noninterest income to average assets | 1.6541% | 589 |
| Noninterest expense to average assets | 4.7325% | 435 |
| Loan and lease loss provision to assets | -0.5431% | 6,878 |
| Net operating income to assets | 0.9114% | 2,738 |
| Return on assets (ROA) | 0.9114% | 2,872 |
| Pretax return on assets | 1.5188% | 1,562 |
| Return on Equity (ROE) | 11.1528% | 1,764 |
| Retained earnings to average equity (ytd only) | 2.3149% | 4,815 |
| Net charge-offs to loans | -3.6009% | 6,898 |
| Credit loss provision to net charge-offs | 29.4129% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5305% | 1,818 |
| Assets per employee ($millions) | 1.9188% | 6,775 |
| Cash dividends to net income (ytd only)* | 79.2438% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1564% | 25 |
| Loan loss allowance to noncurrent loans | 31.7703% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 12.9440% | 87 |
| Noncurrent loans to loans | 22.5253% | 13 |
| Net loans and leases to total assets | 47.3899% | 5,385 |
| Net loans and leases to deposits | 53.4224% | 5,565 |
| Net loans and leases to core deposits | 78.9985% | 3,169 |
| Total domestic deposits to total assets | 88.7079% | 1,773 |
| Equity capital to assets | 7.7283% | 6,352 |
| Core capital (leverage) ratio | 7.8895% | 6,257 |
| Tier 1 risk-based capital ratio | 18.1302% | 2,278 |
| Total risk-based capital ratio | 19.4708% | 2,199 |
| Memoranda: | ||
| Average total assets | $557,167,330 | 1,200 |
| Average earning assets | $457,084,330 | 1,332 |
| Average equity | $45,531,000 | 1,556 |
| Average total loans | $285,706,000 | 1,483 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 658 |
| Cost of funding earning assets | 0.7219% | 2,049 |
| Net interest margin | 4.4425% | 746 |
| Noninterest income to average assets | 1.6236% | 591 |
| Noninterest expense to average assets | 4.6900% | 457 |
| Loan and lease loss provision to assets | -2.3296% | 7,012 |
| Net operating income to assets | 1.7456% | 526 |
| Return on assets (ROA) | 1.7456% | 583 |
| Pretax return on assets | 2.9100% | 168 |
| Return on Equity (ROE) | 20.7973% | 242 |
| Retained earnings to average equity (ytd only) | 3.5987% | 4,085 |
| Net charge-offs to loans | -7.4725% | 6,974 |
| Credit loss provision to net charge-offs | 60.6576% | 2,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5788% | 1,266 |
| Assets per employee ($millions) | 1.9118% | 6,861 |
| Cash dividends to net income (ytd only)* | 82.6963% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5572% | 53 |
| Loan loss allowance to noncurrent loans | 30.2092% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 12.7201% | 118 |
| Noncurrent loans to loans | 21.7060% | 18 |
| Net loans and leases to total assets | 47.6669% | 5,261 |
| Net loans and leases to deposits | 54.1771% | 5,419 |
| Net loans and leases to core deposits | 80.6296% | 2,732 |
| Total domestic deposits to total assets | 87.9835% | 2,321 |
| Equity capital to assets | 8.3488% | 6,151 |
| Core capital (leverage) ratio | 7.6571% | 6,381 |
| Tier 1 risk-based capital ratio | 17.2168% | 2,673 |
| Total risk-based capital ratio | 18.5464% | 2,611 |
| Memoranda: | ||
| Average total assets | $557,526,000 | 1,212 |
| Average earning assets | $457,674,500 | 1,339 |
| Average equity | $46,794,500 | 1,535 |
| Average total loans | $286,545,500 | 1,481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 2,051 |
| Cost of funding earning assets | 0.8455% | 2,321 |
| Net interest margin | 3.9970% | 2,397 |
| Noninterest income to average assets | 2.5381% | 313 |
| Noninterest expense to average assets | 4.3221% | 666 |
| Loan and lease loss provision to assets | 1.2475% | 284 |
| Net operating income to assets | 0.7798% | 3,373 |
| Return on assets (ROA) | 0.7798% | 3,620 |
| Pretax return on assets | 0.2778% | 5,863 |
| Return on Equity (ROE) | 9.9821% | 2,174 |
| Retained earnings to average equity (ytd only) | -0.3715% | 5,918 |
| Net charge-offs to loans | 0.6614% | 1,781 |
| Credit loss provision to net charge-offs | 373.5602% | 657 |
| Earnings coverage of net charge-offs (x) | 4.5675% | 3,325 |
| Efficiency ratio | 73.5566% | 3,142 |
| Assets per employee ($millions) | 1.8809% | 6,929 |
| Cash dividends to net income (ytd only)* | 103.7220% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8299% | 74 |
| Loan loss allowance to noncurrent loans | 28.6915% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 11.7278% | 151 |
| Noncurrent loans to loans | 20.3192% | 26 |
| Net loans and leases to total assets | 48.7671% | 5,334 |
| Net loans and leases to deposits | 55.0252% | 5,547 |
| Net loans and leases to core deposits | 82.0870% | 2,758 |
| Total domestic deposits to total assets | 88.6270% | 1,819 |
| Equity capital to assets | 8.4384% | 6,094 |
| Core capital (leverage) ratio | 6.7275% | 6,752 |
| Tier 1 risk-based capital ratio | 16.4811% | 2,904 |
| Total risk-based capital ratio | 17.7994% | 2,841 |
| Memoranda: | ||
| Average total assets | $571,961,800 | 1,159 |
| Average earning assets | $473,560,200 | 1,289 |
| Average equity | $44,680,000 | 1,560 |
| Average total loans | $288,778,200 | 1,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 2,349 |
| Cost of funding earning assets | 0.8646% | 2,433 |
| Net interest margin | 3.9471% | 2,717 |
| Noninterest income to average assets | 1.7517% | 511 |
| Noninterest expense to average assets | 3.3495% | 2,132 |
| Loan and lease loss provision to assets | 0.6820% | 757 |
| Net operating income to assets | 0.9544% | 2,727 |
| Return on assets (ROA) | 0.9544% | 2,949 |
| Pretax return on assets | 1.0004% | 3,712 |
| Return on Equity (ROE) | 12.4566% | 1,482 |
| Retained earnings to average equity (ytd only) | -0.5945% | 6,201 |
| Net charge-offs to loans | 0.7791% | 1,419 |
| Credit loss provision to net charge-offs | 174.4530% | 1,597 |
| Earnings coverage of net charge-offs (x) | 4.3034% | 3,344 |
| Efficiency ratio | 66.5656% | 4,339 |
| Assets per employee ($millions) | 1.9696% | 7,007 |
| Cash dividends to net income (ytd only)* | 104.7723% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9600% | 751 |
| Loan loss allowance to noncurrent loans | 14.5561% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 11.1847% | 187 |
| Noncurrent loans to loans | 20.3354% | 36 |
| Net loans and leases to total assets | 49.3035% | 5,401 |
| Net loans and leases to deposits | 56.2424% | 5,614 |
| Net loans and leases to core deposits | 82.7686% | 2,866 |
| Total domestic deposits to total assets | 87.6626% | 2,253 |
| Equity capital to assets | 7.6890% | 6,716 |
| Core capital (leverage) ratio | 7.5398% | 6,596 |
| Tier 1 risk-based capital ratio | 17.4027% | 2,578 |
| Total risk-based capital ratio | 18.6805% | 2,535 |
| Memoranda: | ||
| Average total assets | $576,706,500 | 1,163 |
| Average earning assets | $479,261,000 | 1,288 |
| Average equity | $44,184,250 | 1,593 |
| Average total loans | $289,380,500 | 1,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 2,313 |
| Cost of funding earning assets | 0.9206% | 2,256 |
| Net interest margin | 3.9272% | 2,805 |
| Noninterest income to average assets | 1.7315% | 507 |
| Noninterest expense to average assets | 3.3055% | 2,287 |
| Loan and lease loss provision to assets | 0.7614% | 680 |
| Net operating income to assets | 0.9074% | 2,877 |
| Return on assets (ROA) | 0.9074% | 3,147 |
| Pretax return on assets | 0.9289% | 3,964 |
| Return on Equity (ROE) | 11.8584% | 1,713 |
| Retained earnings to average equity (ytd only) | -7.7020% | 6,752 |
| Net charge-offs to loans | 0.9869% | 1,125 |
| Credit loss provision to net charge-offs | 154.3860% | 1,796 |
| Earnings coverage of net charge-offs (x) | 3.4274% | 3,377 |
| Efficiency ratio | 66.1656% | 4,504 |
| Assets per employee ($millions) | 1.8721% | 7,087 |
| Cash dividends to net income (ytd only)* | 164.9504% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8456% | 902 |
| Loan loss allowance to noncurrent loans | 14.1118% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 10.9406% | 214 |
| Noncurrent loans to loans | 20.1650% | 44 |
| Net loans and leases to total assets | 49.1323% | 5,466 |
| Net loans and leases to deposits | 55.0129% | 5,768 |
| Net loans and leases to core deposits | 79.6878% | 3,258 |
| Total domestic deposits to total assets | 89.3105% | 1,323 |
| Equity capital to assets | 7.6733% | 6,725 |
| Core capital (leverage) ratio | 7.2956% | 6,718 |
| Tier 1 risk-based capital ratio | 17.5384% | 2,462 |
| Total risk-based capital ratio | 18.8150% | 2,417 |
| Memoranda: | ||
| Average total assets | $577,886,000 | 1,165 |
| Average earning assets | $480,339,330 | 1,290 |
| Average equity | $44,222,000 | 1,578 |
| Average total loans | $288,770,000 | 1,469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 2,892 |
| Cost of funding earning assets | 0.9401% | 2,378 |
| Net interest margin | 3.7995% | 3,396 |
| Noninterest income to average assets | 1.6653% | 532 |
| Noninterest expense to average assets | 4.1058% | 824 |
| Loan and lease loss provision to assets | 0.5136% | 1,174 |
| Net operating income to assets | 0.2376% | 5,861 |
| Return on assets (ROA) | 0.2376% | 6,010 |
| Pretax return on assets | 0.2424% | 6,101 |
| Return on Equity (ROE) | 3.1092% | 5,679 |
| Retained earnings to average equity (ytd only) | 3.1092% | 4,699 |
| Net charge-offs to loans | 1.4790% | 679 |
| Credit loss provision to net charge-offs | 69.8975% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.0289% | 3,809 |
| Efficiency ratio | 84.4507% | 1,643 |
| Assets per employee ($millions) | 2.0760% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4505% | 1,426 |
| Loan loss allowance to noncurrent loans | 11.4767% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 11.1848% | 237 |
| Noncurrent loans to loans | 21.3520% | 36 |
| Net loans and leases to total assets | 49.0754% | 5,423 |
| Net loans and leases to deposits | 55.0209% | 5,705 |
| Net loans and leases to core deposits | 78.9076% | 3,196 |
| Total domestic deposits to total assets | 89.1941% | 1,565 |
| Equity capital to assets | 7.7726% | 6,644 |
| Core capital (leverage) ratio | 7.3569% | 6,709 |
| Tier 1 risk-based capital ratio | 18.6415% | 2,097 |
| Total risk-based capital ratio | 19.9131% | 2,058 |
| Memoranda: | ||
| Average total assets | $584,148,500 | 1,150 |
| Average earning assets | $491,435,000 | 1,253 |
| Average equity | $44,642,000 | 1,553 |
| Average total loans | $290,199,500 | 1,464 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 5,624 |
| Cost of funding earning assets | 1.0417% | 3,083 |
| Net interest margin | 3.3006% | 5,802 |
| Noninterest income to average assets | 3.6398% | 173 |
| Noninterest expense to average assets | 4.9875% | 385 |
| Loan and lease loss provision to assets | 0.7884% | 1,258 |
| Net operating income to assets | 0.7031% | 3,475 |
| Return on assets (ROA) | 0.7062% | 3,642 |
| Pretax return on assets | 0.7083% | 4,297 |
| Return on Equity (ROE) | 9.3855% | 2,290 |
| Retained earnings to average equity (ytd only) | 7.0975% | 1,454 |
| Net charge-offs to loans | 0.6099% | 2,618 |
| Credit loss provision to net charge-offs | 259.7750% | 929 |
| Earnings coverage of net charge-offs (x) | 4.9213% | 2,942 |
| Efficiency ratio | 76.9539% | 2,748 |
| Assets per employee ($millions) | 2.0389% | 7,147 |
| Cash dividends to net income (ytd only)* | 24.3785% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 1,302 |
| Loan loss allowance to noncurrent loans | 12.7047% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 10.2294% | 318 |
| Noncurrent loans to loans | 19.7613% | 53 |
| Net loans and leases to total assets | 47.8457% | 5,839 |
| Net loans and leases to deposits | 54.3267% | 6,038 |
| Net loans and leases to core deposits | 76.4339% | 3,917 |
| Total domestic deposits to total assets | 88.0703% | 2,108 |
| Equity capital to assets | 7.5177% | 6,804 |
| Core capital (leverage) ratio | 6.8524% | 6,912 |
| Tier 1 risk-based capital ratio | 17.2957% | 2,467 |
| Total risk-based capital ratio | 18.5666% | 2,432 |
| Memoranda: | ||
| Average total assets | $615,136,600 | 1,058 |
| Average earning assets | $529,532,400 | 1,127 |
| Average equity | $46,284,200 | 1,474 |
| Average total loans | $306,105,800 | 1,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 4,140 |
| Cost of funding earning assets | 1.0409% | 3,383 |
| Net interest margin | 3.7294% | 4,206 |
| Noninterest income to average assets | 4.0074% | 156 |
| Noninterest expense to average assets | 4.0388% | 963 |
| Loan and lease loss provision to assets | 0.6564% | 1,485 |
| Net operating income to assets | 2.5329% | 150 |
| Return on assets (ROA) | 2.5329% | 154 |
| Pretax return on assets | 2.5350% | 232 |
| Return on Equity (ROE) | 33.6560% | 38 |
| Retained earnings to average equity (ytd only) | 30.6278% | 22 |
| Net charge-offs to loans | 0.3879% | 3,177 |
| Credit loss provision to net charge-offs | 338.8889% | 832 |
| Earnings coverage of net charge-offs (x) | 16.4778% | 1,399 |
| Efficiency ratio | 55.8605% | 6,299 |
| Assets per employee ($millions) | 2.1206% | 7,192 |
| Cash dividends to net income (ytd only)* | 8.9974% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 2,097 |
| Loan loss allowance to noncurrent loans | 12.6595% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 8.6650% | 470 |
| Noncurrent loans to loans | 16.4857% | 106 |
| Net loans and leases to total assets | 48.9581% | 5,841 |
| Net loans and leases to deposits | 55.2298% | 6,104 |
| Net loans and leases to core deposits | 76.7114% | 4,096 |
| Total domestic deposits to total assets | 88.6445% | 1,664 |
| Equity capital to assets | 8.3773% | 6,417 |
| Core capital (leverage) ratio | 8.0801% | 6,307 |
| Tier 1 risk-based capital ratio | 19.0889% | 1,903 |
| Total risk-based capital ratio | 20.3569% | 1,873 |
| Memoranda: | ||
| Average total assets | $619,569,250 | 1,061 |
| Average earning assets | $535,413,250 | 1,127 |
| Average equity | $46,627,500 | 1,465 |
| Average total loans | $309,333,750 | 1,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 4,794 |
| Cost of funding earning assets | 1.0231% | 3,795 |
| Net interest margin | 3.6163% | 4,659 |
| Noninterest income to average assets | 5.1515% | 133 |
| Noninterest expense to average assets | 4.0306% | 1,004 |
| Loan and lease loss provision to assets | 0.7449% | 1,253 |
| Net operating income to assets | 3.5138% | 77 |
| Return on assets (ROA) | 3.5138% | 78 |
| Pretax return on assets | 3.5160% | 111 |
| Return on Equity (ROE) | 48.5440% | 20 |
| Retained earnings to average equity (ytd only) | 45.3272% | 14 |
| Net charge-offs to loans | 0.0649% | 4,989 |
| Credit loss provision to net charge-offs | 2,300.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 131.5700% | 270 |
| Efficiency ratio | 48.6115% | 7,029 |
| Assets per employee ($millions) | 2.2140% | 7,177 |
| Cash dividends to net income (ytd only)* | 6.6267% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 2,300 |
| Loan loss allowance to noncurrent loans | 13.1699% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 8.3343% | 532 |
| Noncurrent loans to loans | 15.3737% | 129 |
| Net loans and leases to total assets | 49.0767% | 5,938 |
| Net loans and leases to deposits | 54.9961% | 6,224 |
| Net loans and leases to core deposits | 74.1046% | 4,572 |
| Total domestic deposits to total assets | 89.2367% | 1,393 |
| Equity capital to assets | 7.7950% | 6,810 |
| Core capital (leverage) ratio | 7.3102% | 6,859 |
| Tier 1 risk-based capital ratio | 20.4087% | 1,533 |
| Total risk-based capital ratio | 21.6800% | 1,499 |
| Memoranda: | ||
| Average total assets | $617,571,330 | 1,072 |
| Average earning assets | $536,234,330 | 1,134 |
| Average equity | $44,701,670 | 1,508 |
| Average total loans | $308,181,000 | 1,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 6,280 |
| Cost of funding earning assets | 0.9265% | 4,738 |
| Net interest margin | 3.2729% | 5,869 |
| Noninterest income to average assets | 8.8324% | 77 |
| Noninterest expense to average assets | 4.0378% | 989 |
| Loan and lease loss provision to assets | 0.3987% | 2,202 |
| Net operating income to assets | 7.2504% | 34 |
| Return on assets (ROA) | 7.2504% | 36 |
| Pretax return on assets | 7.2524% | 45 |
| Return on Equity (ROE) | 104.4973% | 8 |
| Retained earnings to average equity (ytd only) | 100.6668% | 7 |
| Net charge-offs to loans | 0.0213% | 4,778 |
| Credit loss provision to net charge-offs | 3,750.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 719.6875% | 23 |
| Efficiency ratio | 34.5441% | 7,461 |
| Assets per employee ($millions) | 2.6452% | 6,775 |
| Cash dividends to net income (ytd only)* | 3.6657% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,333 |
| Loan loss allowance to noncurrent loans | 12.5751% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 6.4886% | 860 |
| Noncurrent loans to loans | 11.7109% | 292 |
| Net loans and leases to total assets | 48.2698% | 6,048 |
| Net loans and leases to deposits | 54.4515% | 6,258 |
| Net loans and leases to core deposits | 71.4317% | 4,863 |
| Total domestic deposits to total assets | 88.6472% | 1,989 |
| Equity capital to assets | 6.9092% | 7,112 |
| Core capital (leverage) ratio | 7.2470% | 6,895 |
| Tier 1 risk-based capital ratio | 20.6893% | 1,452 |
| Total risk-based capital ratio | 21.9488% | 1,423 |
| Memoranda: | ||
| Average total assets | $602,009,500 | 1,113 |
| Average earning assets | $525,404,000 | 1,167 |
| Average equity | $41,769,500 | 1,593 |
| Average total loans | $299,803,000 | 1,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 6,337 |
| Cost of funding earning assets | 1.1760% | 4,693 |
| Net interest margin | 3.3445% | 5,815 |
| Noninterest income to average assets | 3.3145% | 208 |
| Noninterest expense to average assets | 4.2987% | 811 |
| Loan and lease loss provision to assets | 0.8527% | 1,923 |
| Net operating income to assets | 1.2391% | 1,322 |
| Return on assets (ROA) | 1.3433% | 1,145 |
| Pretax return on assets | 1.3454% | 1,816 |
| Return on Equity (ROE) | 15.9457% | 591 |
| Retained earnings to average equity (ytd only) | 12.5902% | 235 |
| Net charge-offs to loans | 1.7028% | 1,270 |
| Credit loss provision to net charge-offs | 104.3752% | 4,304 |
| Earnings coverage of net charge-offs (x) | 2.5631% | 3,830 |
| Efficiency ratio | 67.2453% | 4,715 |
| Assets per employee ($millions) | 2.0088% | 7,418 |
| Cash dividends to net income (ytd only)* | 21.0435% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 3,339 |
| Loan loss allowance to noncurrent loans | 16.2425% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 6.5316% | 869 |
| Noncurrent loans to loans | 10.2618% | 403 |
| Net loans and leases to total assets | 50.0303% | 6,169 |
| Net loans and leases to deposits | 55.6026% | 6,474 |
| Net loans and leases to core deposits | 78.2075% | 4,438 |
| Total domestic deposits to total assets | 89.9784% | 1,118 |
| Equity capital to assets | 6.9771% | 7,121 |
| Core capital (leverage) ratio | 7.7226% | 6,525 |
| Tier 1 risk-based capital ratio | 18.4430% | 1,860 |
| Total risk-based capital ratio | 19.7023% | 1,823 |
| Memoranda: | ||
| Average total assets | $428,057,000 | 1,560 |
| Average earning assets | $393,961,600 | 1,536 |
| Average equity | $36,059,800 | 1,835 |
| Average total loans | $205,371,200 | 2,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 6,507 |
| Cost of funding earning assets | 1.1970% | 4,883 |
| Net interest margin | 3.3398% | 5,886 |
| Noninterest income to average assets | 2.1904% | 333 |
| Noninterest expense to average assets | 4.1686% | 863 |
| Loan and lease loss provision to assets | 0.6239% | 2,436 |
| Net operating income to assets | 0.5064% | 4,286 |
| Return on assets (ROA) | 0.6433% | 3,852 |
| Pretax return on assets | 0.6456% | 4,438 |
| Return on Equity (ROE) | 7.2413% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.7686% | 4,493 |
| Net charge-offs to loans | 0.9456% | 2,101 |
| Credit loss provision to net charge-offs | 140.2214% | 2,834 |
| Earnings coverage of net charge-offs (x) | 2.5454% | 3,889 |
| Efficiency ratio | 78.6347% | 2,538 |
| Assets per employee ($millions) | 1.7756% | 7,602 |
| Cash dividends to net income (ytd only)* | 61.7662% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5969% | 1,213 |
| Loan loss allowance to noncurrent loans | 30.3783% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 4.4090% | 1,542 |
| Noncurrent loans to loans | 8.5484% | 578 |
| Net loans and leases to total assets | 43.4331% | 6,879 |
| Net loans and leases to deposits | 49.6829% | 7,015 |
| Net loans and leases to core deposits | 75.4402% | 5,124 |
| Total domestic deposits to total assets | 87.4207% | 2,308 |
| Equity capital to assets | 9.2076% | 5,300 |
| Core capital (leverage) ratio | 8.7136% | 5,160 |
| Tier 1 risk-based capital ratio | 17.7142% | 2,107 |
| Total risk-based capital ratio | 18.7744% | 2,138 |
| Memoranda: | ||
| Average total assets | $406,007,000 | 1,655 |
| Average earning assets | $378,171,750 | 1,613 |
| Average equity | $36,069,750 | 1,852 |
| Average total loans | $191,048,250 | 2,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 6,336 |
| Cost of funding earning assets | 1.2177% | 5,033 |
| Net interest margin | 3.4241% | 5,541 |
| Noninterest income to average assets | 1.9498% | 364 |
| Noninterest expense to average assets | 4.1561% | 858 |
| Loan and lease loss provision to assets | 0.6559% | 2,194 |
| Net operating income to assets | 0.3283% | 5,073 |
| Return on assets (ROA) | 0.4326% | 4,769 |
| Pretax return on assets | 0.4351% | 5,107 |
| Return on Equity (ROE) | 4.9309% | 4,321 |
| Retained earnings to average equity (ytd only) | -1.8956% | 6,129 |
| Net charge-offs to loans | 0.3793% | 3,465 |
| Credit loss provision to net charge-offs | 361.0354% | 1,015 |
| Earnings coverage of net charge-offs (x) | 5.4251% | 2,669 |
| Efficiency ratio | 80.8318% | 2,328 |
| Assets per employee ($millions) | 1.7886% | 7,658 |
| Cash dividends to net income (ytd only)* | 138.4439% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6721% | 1,119 |
| Loan loss allowance to noncurrent loans | 31.8093% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.4287% | 1,504 |
| Noncurrent loans to loans | 8.4003% | 600 |
| Net loans and leases to total assets | 45.4960% | 6,807 |
| Net loans and leases to deposits | 51.8154% | 6,989 |
| Net loans and leases to core deposits | 78.7370% | 4,843 |
| Total domestic deposits to total assets | 87.8039% | 2,104 |
| Equity capital to assets | 8.9239% | 5,567 |
| Core capital (leverage) ratio | 8.2687% | 5,829 |
| Tier 1 risk-based capital ratio | 16.5824% | 2,442 |
| Total risk-based capital ratio | 17.8473% | 2,391 |
| Memoranda: | ||
| Average total assets | $404,032,670 | 1,680 |
| Average earning assets | $376,626,000 | 1,637 |
| Average equity | $35,450,000 | 1,882 |
| Average total loans | $193,503,000 | 2,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 6,302 |
| Cost of funding earning assets | 1.2437% | 5,151 |
| Net interest margin | 3.4406% | 5,425 |
| Noninterest income to average assets | 1.8436% | 380 |
| Noninterest expense to average assets | 4.2211% | 785 |
| Loan and lease loss provision to assets | 0.1505% | 5,037 |
| Net operating income to assets | 0.6794% | 3,524 |
| Return on assets (ROA) | 0.6794% | 3,643 |
| Pretax return on assets | 0.6814% | 4,304 |
| Return on Equity (ROE) | 7.8130% | 2,974 |
| Retained earnings to average equity (ytd only) | 0.8309% | 5,482 |
| Net charge-offs to loans | 0.2008% | 3,706 |
| Credit loss provision to net charge-offs | 154.6392% | 2,314 |
| Earnings coverage of net charge-offs (x) | 8.5464% | 1,949 |
| Efficiency ratio | 83.5353% | 2,071 |
| Assets per employee ($millions) | 1.8286% | 7,747 |
| Cash dividends to net income (ytd only)* | 89.3648% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 1,698 |
| Loan loss allowance to noncurrent loans | 26.1092% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 4.4107% | 1,539 |
| Noncurrent loans to loans | 8.5136% | 607 |
| Net loans and leases to total assets | 45.7375% | 6,847 |
| Net loans and leases to deposits | 51.9733% | 7,044 |
| Net loans and leases to core deposits | 80.7780% | 4,665 |
| Total domestic deposits to total assets | 88.0021% | 2,057 |
| Equity capital to assets | 8.7334% | 5,683 |
| Core capital (leverage) ratio | 8.6242% | 5,166 |
| Tier 1 risk-based capital ratio | 16.6468% | 2,389 |
| Total risk-based capital ratio | 17.8829% | 2,355 |
| Memoranda: | ||
| Average total assets | $398,572,500 | 1,733 |
| Average earning assets | $371,800,000 | 1,699 |
| Average equity | $34,660,000 | 1,945 |
| Average total loans | $193,269,500 | 2,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 6,401 |
| Cost of funding earning assets | 1.5348% | 5,359 |
| Net interest margin | 3.4765% | 5,059 |
| Noninterest income to average assets | 2.4577% | 279 |
| Noninterest expense to average assets | 4.6221% | 701 |
| Loan and lease loss provision to assets | 0.7166% | 2,962 |
| Net operating income to assets | 0.3464% | 4,339 |
| Return on assets (ROA) | 0.5093% | 3,783 |
| Pretax return on assets | 0.5120% | 4,151 |
| Return on Equity (ROE) | 5.5162% | 3,414 |
| Retained earnings to average equity (ytd only) | 0.2731% | 4,757 |
| Net charge-offs to loans | 0.3296% | 4,584 |
| Credit loss provision to net charge-offs | 424.5283% | 739 |
| Earnings coverage of net charge-offs (x) | 6.3035% | 2,391 |
| Efficiency ratio | 80.8673% | 2,767 |
| Assets per employee ($millions) | 1.7219% | 7,849 |
| Cash dividends to net income (ytd only)* | 95.0495% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,692 |
| Loan loss allowance to noncurrent loans | 23.9350% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 4.6441% | 1,375 |
| Noncurrent loans to loans | 9.0951% | 491 |
| Net loans and leases to total assets | 49.2224% | 6,708 |
| Net loans and leases to deposits | 56.0288% | 6,917 |
| Net loans and leases to core deposits | 101.6561% | 3,833 |
| Total domestic deposits to total assets | 87.8519% | 2,043 |
| Equity capital to assets | 8.6561% | 5,651 |
| Core capital (leverage) ratio | 9.0337% | 4,368 |
| Tier 1 risk-based capital ratio | 16.8405% | 2,191 |
| Total risk-based capital ratio | 18.0997% | 2,161 |
| Memoranda: | ||
| Average total assets | $376,774,400 | 1,815 |
| Average earning assets | $349,890,600 | 1,783 |
| Average equity | $34,788,200 | 1,934 |
| Average total loans | $192,982,600 | 2,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 6,363 |
| Cost of funding earning assets | 1.5870% | 5,460 |
| Net interest margin | 3.4872% | 4,912 |
| Noninterest income to average assets | 2.5876% | 258 |
| Noninterest expense to average assets | 4.6356% | 644 |
| Loan and lease loss provision to assets | 0.9078% | 2,112 |
| Net operating income to assets | 0.2773% | 4,874 |
| Return on assets (ROA) | 0.4863% | 4,143 |
| Pretax return on assets | 0.4877% | 4,553 |
| Return on Equity (ROE) | 5.1832% | 3,886 |
| Retained earnings to average equity (ytd only) | 1.1042% | 4,705 |
| Net charge-offs to loans | 0.4373% | 3,491 |
| Credit loss provision to net charge-offs | 403.4810% | 982 |
| Earnings coverage of net charge-offs (x) | 5.2737% | 2,880 |
| Efficiency ratio | 79.0706% | 2,983 |
| Assets per employee ($millions) | 1.6185% | 7,960 |
| Cash dividends to net income (ytd only)* | 78.6970% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 1,512 |
| Loan loss allowance to noncurrent loans | 27.6093% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 3.9530% | 1,632 |
| Noncurrent loans to loans | 7.7697% | 649 |
| Net loans and leases to total assets | 48.9214% | 6,874 |
| Net loans and leases to deposits | 56.3925% | 7,063 |
| Net loans and leases to core deposits | 102.0367% | 4,151 |
| Total domestic deposits to total assets | 86.7516% | 2,304 |
| Equity capital to assets | 9.3478% | 4,961 |
| Core capital (leverage) ratio | 9.3830% | 4,071 |
| Tier 1 risk-based capital ratio | 17.2706% | 2,194 |
| Total risk-based capital ratio | 18.5340% | 2,138 |
| Memoranda: | ||
| Average total assets | $374,539,250 | 1,837 |
| Average earning assets | $347,390,500 | 1,810 |
| Average equity | $35,138,250 | 1,934 |
| Average total loans | $192,707,500 | 2,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 6,260 |
| Cost of funding earning assets | 1.6333% | 5,589 |
| Net interest margin | 3.5146% | 4,737 |
| Noninterest income to average assets | 2.4230% | 277 |
| Noninterest expense to average assets | 4.6135% | 688 |
| Loan and lease loss provision to assets | 0.8588% | 1,955 |
| Net operating income to assets | 0.2067% | 5,241 |
| Return on assets (ROA) | 0.4455% | 4,416 |
| Pretax return on assets | 0.4455% | 4,809 |
| Return on Equity (ROE) | 4.7429% | 4,189 |
| Retained earnings to average equity (ytd only) | 0.9486% | 4,802 |
| Net charge-offs to loans | 0.3430% | 3,462 |
| Credit loss provision to net charge-offs | 481.9277% | 961 |
| Earnings coverage of net charge-offs (x) | 5.9789% | 2,713 |
| Efficiency ratio | 80.3875% | 2,979 |
| Assets per employee ($millions) | 1.6382% | 8,038 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 2,065 |
| Loan loss allowance to noncurrent loans | 32.4991% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 2.8935% | 2,211 |
| Noncurrent loans to loans | 5.5173% | 1,051 |
| Net loans and leases to total assets | 49.6133% | 6,911 |
| Net loans and leases to deposits | 56.1886% | 7,155 |
| Net loans and leases to core deposits | 104.5896% | 4,004 |
| Total domestic deposits to total assets | 88.2977% | 1,628 |
| Equity capital to assets | 8.8621% | 5,507 |
| Core capital (leverage) ratio | 9.3937% | 4,032 |
| Tier 1 risk-based capital ratio | 17.0525% | 2,283 |
| Total risk-based capital ratio | 18.3269% | 2,225 |
| Memoranda: | ||
| Average total assets | $372,603,330 | 1,868 |
| Average earning assets | $345,188,000 | 1,837 |
| Average equity | $34,999,670 | 1,943 |
| Average total loans | $193,560,000 | 2,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 5,656 |
| Cost of funding earning assets | 1.6373% | 5,873 |
| Net interest margin | 3.7130% | 3,834 |
| Noninterest income to average assets | 2.1867% | 311 |
| Noninterest expense to average assets | 4.6396% | 633 |
| Loan and lease loss provision to assets | 0.3246% | 3,376 |
| Net operating income to assets | 0.6503% | 3,801 |
| Return on assets (ROA) | 0.6503% | 3,984 |
| Pretax return on assets | 0.6503% | 4,590 |
| Return on Equity (ROE) | 6.7281% | 3,701 |
| Retained earnings to average equity (ytd only) | 0.5373% | 5,444 |
| Net charge-offs to loans | 0.6881% | 1,805 |
| Credit loss provision to net charge-offs | 89.5522% | 4,018 |
| Earnings coverage of net charge-offs (x) | 2.6896% | 3,415 |
| Efficiency ratio | 80.9019% | 2,688 |
| Assets per employee ($millions) | 1.5859% | 8,092 |
| Cash dividends to net income (ytd only)* | 92.0133% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,446 |
| Loan loss allowance to noncurrent loans | 20.0151% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 2.9296% | 1,942 |
| Noncurrent loans to loans | 5.5129% | 929 |
| Net loans and leases to total assets | 50.6979% | 6,794 |
| Net loans and leases to deposits | 57.8945% | 7,047 |
| Net loans and leases to core deposits | 102.2116% | 4,321 |
| Total domestic deposits to total assets | 87.5694% | 1,940 |
| Equity capital to assets | 9.3703% | 4,845 |
| Core capital (leverage) ratio | 9.5036% | 3,982 |
| Tier 1 risk-based capital ratio | 17.4007% | 2,215 |
| Total risk-based capital ratio | 18.4507% | 2,213 |
| Memoranda: | ||
| Average total assets | $369,689,500 | 1,887 |
| Average earning assets | $341,287,500 | 1,867 |
| Average equity | $35,731,000 | 1,914 |
| Average total loans | $194,750,000 | 2,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 6,498 |
| Cost of funding earning assets | 2.0500% | 6,237 |
| Net interest margin | 3.7315% | 4,316 |
| Noninterest income to average assets | 2.7428% | 229 |
| Noninterest expense to average assets | 4.9903% | 625 |
| Loan and lease loss provision to assets | 0.2853% | 4,099 |
| Net operating income to assets | 0.9010% | 2,995 |
| Return on assets (ROA) | 0.9422% | 2,689 |
| Pretax return on assets | 0.9522% | 3,549 |
| Return on Equity (ROE) | 9.3032% | 2,526 |
| Retained earnings to average equity (ytd only) | 0.9031% | 4,689 |
| Net charge-offs to loans | 0.3464% | 3,102 |
| Credit loss provision to net charge-offs | 147.6261% | 3,576 |
| Earnings coverage of net charge-offs (x) | 6.1884% | 3,419 |
| Efficiency ratio | 79.6950% | 2,639 |
| Assets per employee ($millions) | 1.5339% | 8,153 |
| Cash dividends to net income (ytd only)* | 90.2921% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,310 |
| Loan loss allowance to noncurrent loans | 19.9336% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 3.0892% | 1,485 |
| Noncurrent loans to loans | 5.5080% | 735 |
| Net loans and leases to total assets | 53.5487% | 6,699 |
| Net loans and leases to deposits | 61.7396% | 6,965 |
| Net loans and leases to core deposits | 106.6641% | 4,119 |
| Total domestic deposits to total assets | 86.7332% | 2,077 |
| Equity capital to assets | 9.9699% | 4,072 |
| Core capital (leverage) ratio | 10.1083% | 3,351 |
| Tier 1 risk-based capital ratio | 17.2128% | 2,249 |
| Total risk-based capital ratio | 18.2813% | 2,257 |
| Memoranda: | ||
| Average total assets | $348,774,000 | 1,907 |
| Average earning assets | $321,854,600 | 1,891 |
| Average equity | $35,321,000 | 1,912 |
| Average total loans | $194,588,000 | 2,351 |