Home > Siuslaw Bank > Performance and Condition Ratios
Siuslaw Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,002 |
| Cost of funding earning assets | 0.1143% | 6,278 |
| Net interest margin | 3.8185% | 2,555 |
| Noninterest income to average assets | 1.4540% | 575 |
| Noninterest expense to average assets | 3.7189% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1188% | 1,909 |
| Return on assets (ROA) | 1.1188% | 1,963 |
| Pretax return on assets | 1.2599% | 2,394 |
| Return on Equity (ROE) | 8.7597% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.0175% | 1,918 |
| Net charge-offs to loans | 0.0276% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 67.7647% | 725 |
| Efficiency ratio | 74.6952% | 2,718 |
| Assets per employee ($millions) | 3.2944% | 5,268 |
| Cash dividends to net income (ytd only)* | 31.3050% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 2,024 |
| Loan loss allowance to noncurrent loans | 41.4181% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 3.4596% | 538 |
| Noncurrent loans to loans | 3.9169% | 487 |
| Net loans and leases to total assets | 67.8385% | 2,582 |
| Net loans and leases to deposits | 79.6173% | 2,772 |
| Net loans and leases to core deposits | 80.2538% | 3,268 |
| Total domestic deposits to total assets | 85.2057% | 3,207 |
| Equity capital to assets | 13.3152% | 1,223 |
| Core capital (leverage) ratio | 12.7215% | 1,243 |
| Tier 1 risk-based capital ratio | 18.0058% | 2,135 |
| Total risk-based capital ratio | 19.2598% | 2,100 |
| Memoranda: | ||
| Average total assets | $365,754,000 | 1,779 |
| Average earning assets | $337,620,200 | 1,775 |
| Average equity | $46,713,800 | 1,545 |
| Average total loans | $246,062,200 | 1,711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 4,153 |
| Cost of funding earning assets | 0.1183% | 6,343 |
| Net interest margin | 3.7885% | 2,662 |
| Noninterest income to average assets | 1.5403% | 529 |
| Noninterest expense to average assets | 3.6624% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2137% | 1,634 |
| Return on assets (ROA) | 1.2137% | 1,697 |
| Pretax return on assets | 1.3733% | 2,104 |
| Return on Equity (ROE) | 9.6035% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.7227% | 1,970 |
| Net charge-offs to loans | 0.0283% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 72.6170% | 755 |
| Efficiency ratio | 72.7286% | 3,057 |
| Assets per employee ($millions) | 3.7322% | 4,432 |
| Cash dividends to net income (ytd only)* | 29.9969% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 2,230 |
| Loan loss allowance to noncurrent loans | 41.0034% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 3.2799% | 676 |
| Noncurrent loans to loans | 3.9532% | 545 |
| Net loans and leases to total assets | 61.8560% | 3,509 |
| Net loans and leases to deposits | 71.3069% | 3,765 |
| Net loans and leases to core deposits | 71.8825% | 4,161 |
| Total domestic deposits to total assets | 86.7462% | 2,451 |
| Equity capital to assets | 11.9544% | 2,099 |
| Core capital (leverage) ratio | 12.6380% | 1,336 |
| Tier 1 risk-based capital ratio | 17.5085% | 2,394 |
| Total risk-based capital ratio | 18.7623% | 2,354 |
| Memoranda: | ||
| Average total assets | $366,596,500 | 1,787 |
| Average earning assets | $338,239,250 | 1,781 |
| Average equity | $46,329,250 | 1,559 |
| Average total loans | $245,105,250 | 1,729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,651 |
| Cost of funding earning assets | 0.1284% | 6,366 |
| Net interest margin | 3.8923% | 2,201 |
| Noninterest income to average assets | 1.4878% | 552 |
| Noninterest expense to average assets | 3.7646% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0959% | 1,962 |
| Return on assets (ROA) | 1.0959% | 2,021 |
| Pretax return on assets | 1.3029% | 2,245 |
| Return on Equity (ROE) | 8.4999% | 2,835 |
| Retained earnings to average equity (ytd only) | 6.0140% | 2,318 |
| Net charge-offs to loans | 0.1349% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.1280% | 1,931 |
| Efficiency ratio | 74.2898% | 2,924 |
| Assets per employee ($millions) | 3.1866% | 5,447 |
| Cash dividends to net income (ytd only)* | 29.2458% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 2,427 |
| Loan loss allowance to noncurrent loans | 42.9657% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.5578% | 641 |
| Noncurrent loans to loans | 3.7452% | 665 |
| Net loans and leases to total assets | 67.2091% | 2,549 |
| Net loans and leases to deposits | 78.5466% | 2,726 |
| Net loans and leases to core deposits | 79.2600% | 3,292 |
| Total domestic deposits to total assets | 85.5659% | 3,259 |
| Equity capital to assets | 12.9680% | 1,387 |
| Core capital (leverage) ratio | 12.7430% | 1,268 |
| Tier 1 risk-based capital ratio | 17.2548% | 2,515 |
| Total risk-based capital ratio | 18.5082% | 2,473 |
| Memoranda: | ||
| Average total assets | $355,681,330 | 1,843 |
| Average earning assets | $327,105,330 | 1,841 |
| Average equity | $45,859,330 | 1,564 |
| Average total loans | $243,111,330 | 1,736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 3,653 |
| Cost of funding earning assets | 0.1379% | 6,412 |
| Net interest margin | 3.8694% | 2,196 |
| Noninterest income to average assets | 1.4734% | 537 |
| Noninterest expense to average assets | 3.7581% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0309% | 2,079 |
| Return on assets (ROA) | 1.0309% | 2,156 |
| Pretax return on assets | 1.2719% | 2,207 |
| Return on Equity (ROE) | 8.0192% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.6865% | 2,698 |
| Net charge-offs to loans | 0.1523% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.2174% | 1,732 |
| Efficiency ratio | 74.7132% | 3,016 |
| Assets per employee ($millions) | 3.0549% | 5,769 |
| Cash dividends to net income (ytd only)* | 29.0889% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 2,454 |
| Loan loss allowance to noncurrent loans | 40.4822% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.9070% | 624 |
| Noncurrent loans to loans | 4.1144% | 634 |
| Net loans and leases to total assets | 67.1422% | 2,368 |
| Net loans and leases to deposits | 78.4200% | 2,492 |
| Net loans and leases to core deposits | 79.0655% | 3,082 |
| Total domestic deposits to total assets | 85.6187% | 3,551 |
| Equity capital to assets | 12.9365% | 1,333 |
| Core capital (leverage) ratio | 12.7849% | 1,251 |
| Tier 1 risk-based capital ratio | 17.2455% | 2,574 |
| Total risk-based capital ratio | 18.4995% | 2,534 |
| Memoranda: | ||
| Average total assets | $353,479,500 | 1,860 |
| Average earning assets | $324,911,000 | 1,854 |
| Average equity | $45,441,000 | 1,570 |
| Average total loans | $241,683,000 | 1,746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 4,184 |
| Cost of funding earning assets | 0.1597% | 6,496 |
| Net interest margin | 3.8130% | 2,604 |
| Noninterest income to average assets | 1.8559% | 440 |
| Noninterest expense to average assets | 4.0823% | 796 |
| Loan and lease loss provision to assets | 0.1597% | 2,286 |
| Net operating income to assets | 0.9529% | 2,561 |
| Return on assets (ROA) | 0.9529% | 2,627 |
| Pretax return on assets | 1.1228% | 2,873 |
| Return on Equity (ROE) | 7.4475% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.1783% | 2,486 |
| Net charge-offs to loans | 0.2379% | 2,550 |
| Credit loss provision to net charge-offs | 100.3650% | 2,408 |
| Earnings coverage of net charge-offs (x) | 8.0602% | 2,739 |
| Efficiency ratio | 76.0946% | 2,754 |
| Assets per employee ($millions) | 2.9140% | 5,965 |
| Cash dividends to net income (ytd only)* | 30.4692% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 2,376 |
| Loan loss allowance to noncurrent loans | 42.0071% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.8869% | 693 |
| Noncurrent loans to loans | 4.0657% | 709 |
| Net loans and leases to total assets | 67.2968% | 2,475 |
| Net loans and leases to deposits | 78.3971% | 2,678 |
| Net loans and leases to core deposits | 78.7467% | 3,271 |
| Total domestic deposits to total assets | 85.8410% | 3,341 |
| Equity capital to assets | 12.7738% | 1,379 |
| Core capital (leverage) ratio | 12.5263% | 1,346 |
| Tier 1 risk-based capital ratio | 16.9099% | 2,651 |
| Total risk-based capital ratio | 18.1643% | 2,611 |
| Memoranda: | ||
| Average total assets | $344,416,400 | 1,874 |
| Average earning assets | $316,940,800 | 1,877 |
| Average equity | $44,068,400 | 1,590 |
| Average total loans | $230,318,200 | 1,784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 4,156 |
| Cost of funding earning assets | 0.1671% | 6,565 |
| Net interest margin | 3.8259% | 2,554 |
| Noninterest income to average assets | 1.8081% | 479 |
| Noninterest expense to average assets | 3.9928% | 866 |
| Loan and lease loss provision to assets | 0.1967% | 1,855 |
| Net operating income to assets | 0.9635% | 2,528 |
| Return on assets (ROA) | 0.9635% | 2,629 |
| Pretax return on assets | 1.1410% | 2,943 |
| Return on Equity (ROE) | 7.5266% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.1110% | 2,997 |
| Net charge-offs to loans | 0.3234% | 1,922 |
| Credit loss provision to net charge-offs | 91.4855% | 2,601 |
| Earnings coverage of net charge-offs (x) | 6.2228% | 3,012 |
| Efficiency ratio | 74.9050% | 2,926 |
| Assets per employee ($millions) | 2.7848% | 6,181 |
| Cash dividends to net income (ytd only)* | 32.0938% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,329 |
| Loan loss allowance to noncurrent loans | 36.7491% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 3.5026% | 971 |
| Noncurrent loans to loans | 4.8779% | 632 |
| Net loans and leases to total assets | 62.6161% | 3,237 |
| Net loans and leases to deposits | 72.7291% | 3,431 |
| Net loans and leases to core deposits | 73.3322% | 3,931 |
| Total domestic deposits to total assets | 86.0950% | 3,201 |
| Equity capital to assets | 12.4756% | 1,589 |
| Core capital (leverage) ratio | 12.2781% | 1,533 |
| Tier 1 risk-based capital ratio | 17.8578% | 2,376 |
| Total risk-based capital ratio | 19.1131% | 2,336 |
| Memoranda: | ||
| Average total assets | $342,371,500 | 1,895 |
| Average earning assets | $315,212,500 | 1,894 |
| Average equity | $43,825,500 | 1,607 |
| Average total loans | $227,545,500 | 1,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,853 |
| Cost of funding earning assets | 0.1733% | 6,608 |
| Net interest margin | 3.8937% | 2,231 |
| Noninterest income to average assets | 1.8444% | 501 |
| Noninterest expense to average assets | 4.0387% | 830 |
| Loan and lease loss provision to assets | 0.2221% | 1,708 |
| Net operating income to assets | 0.9767% | 2,436 |
| Return on assets (ROA) | 0.9767% | 2,583 |
| Pretax return on assets | 1.1632% | 2,828 |
| Return on Equity (ROE) | 7.5623% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.1088% | 2,981 |
| Net charge-offs to loans | 0.4094% | 1,579 |
| Credit loss provision to net charge-offs | 80.4721% | 2,614 |
| Earnings coverage of net charge-offs (x) | 5.0193% | 2,982 |
| Efficiency ratio | 74.4595% | 3,037 |
| Assets per employee ($millions) | 2.7528% | 6,216 |
| Cash dividends to net income (ytd only)* | 32.4439% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,582 |
| Loan loss allowance to noncurrent loans | 36.0207% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 3.5473% | 1,068 |
| Noncurrent loans to loans | 4.8677% | 683 |
| Net loans and leases to total assets | 64.0859% | 2,900 |
| Net loans and leases to deposits | 74.3579% | 3,095 |
| Net loans and leases to core deposits | 75.0085% | 3,671 |
| Total domestic deposits to total assets | 86.1858% | 3,272 |
| Equity capital to assets | 12.4667% | 1,600 |
| Core capital (leverage) ratio | 12.4672% | 1,371 |
| Tier 1 risk-based capital ratio | 17.3199% | 2,583 |
| Total risk-based capital ratio | 18.4257% | 2,623 |
| Memoranda: | ||
| Average total assets | $337,679,330 | 1,921 |
| Average earning assets | $310,451,330 | 1,929 |
| Average equity | $43,611,000 | 1,616 |
| Average total loans | $227,638,000 | 1,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 3,698 |
| Cost of funding earning assets | 0.1691% | 6,735 |
| Net interest margin | 3.9378% | 1,988 |
| Noninterest income to average assets | 1.8659% | 476 |
| Noninterest expense to average assets | 4.1170% | 779 |
| Loan and lease loss provision to assets | 0.2724% | 1,295 |
| Net operating income to assets | 0.9360% | 2,488 |
| Return on assets (ROA) | 0.9360% | 2,633 |
| Pretax return on assets | 1.0861% | 3,014 |
| Return on Equity (ROE) | 7.1157% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.6487% | 3,446 |
| Net charge-offs to loans | 0.8281% | 722 |
| Credit loss provision to net charge-offs | 47.9744% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.3923% | 3,045 |
| Efficiency ratio | 75.1880% | 3,064 |
| Assets per employee ($millions) | 2.6593% | 6,446 |
| Cash dividends to net income (ytd only)* | 34.6701% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 3,008 |
| Loan loss allowance to noncurrent loans | 34.2370% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 3.7119% | 1,119 |
| Noncurrent loans to loans | 4.9651% | 771 |
| Net loans and leases to total assets | 65.8636% | 2,389 |
| Net loans and leases to deposits | 76.8673% | 2,505 |
| Net loans and leases to core deposits | 77.5246% | 3,130 |
| Total domestic deposits to total assets | 85.6848% | 3,687 |
| Equity capital to assets | 12.8266% | 1,514 |
| Core capital (leverage) ratio | 12.9847% | 1,117 |
| Tier 1 risk-based capital ratio | 17.0050% | 2,746 |
| Total risk-based capital ratio | 18.1061% | 2,794 |
| Memoranda: | ||
| Average total assets | $330,341,500 | 1,989 |
| Average earning assets | $302,808,500 | 1,990 |
| Average equity | $43,453,000 | 1,640 |
| Average total loans | $226,537,000 | 1,823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 4,054 |
| Cost of funding earning assets | 0.2199% | 6,780 |
| Net interest margin | 4.1212% | 1,919 |
| Noninterest income to average assets | 2.0966% | 404 |
| Noninterest expense to average assets | 4.2442% | 726 |
| Loan and lease loss provision to assets | 0.2863% | 2,374 |
| Net operating income to assets | 1.0465% | 2,135 |
| Return on assets (ROA) | 1.1123% | 2,072 |
| Pretax return on assets | 1.4186% | 1,970 |
| Return on Equity (ROE) | 8.5005% | 2,864 |
| Retained earnings to average equity (ytd only) | 3.8044% | 3,531 |
| Net charge-offs to loans | 0.2245% | 3,595 |
| Credit loss provision to net charge-offs | 190.9651% | 1,371 |
| Earnings coverage of net charge-offs (x) | 10.8090% | 2,101 |
| Efficiency ratio | 72.3675% | 3,349 |
| Assets per employee ($millions) | 2.5220% | 6,597 |
| Cash dividends to net income (ytd only)* | 55.2449% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,494 |
| Loan loss allowance to noncurrent loans | 48.4766% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 3.2911% | 1,399 |
| Noncurrent loans to loans | 3.7782% | 1,284 |
| Net loans and leases to total assets | 68.9628% | 2,041 |
| Net loans and leases to deposits | 81.2188% | 2,122 |
| Net loans and leases to core deposits | 81.9635% | 2,777 |
| Total domestic deposits to total assets | 84.9099% | 3,901 |
| Equity capital to assets | 13.5018% | 1,229 |
| Core capital (leverage) ratio | 12.9629% | 1,125 |
| Tier 1 risk-based capital ratio | 16.8385% | 2,732 |
| Total risk-based capital ratio | 17.9362% | 2,774 |
| Memoranda: | ||
| Average total assets | $324,817,000 | 1,980 |
| Average earning assets | $297,002,600 | 1,992 |
| Average equity | $42,503,400 | 1,636 |
| Average total loans | $216,890,000 | 1,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 4,335 |
| Cost of funding earning assets | 0.2375% | 6,857 |
| Net interest margin | 4.0920% | 2,115 |
| Noninterest income to average assets | 1.9978% | 423 |
| Noninterest expense to average assets | 4.0975% | 828 |
| Loan and lease loss provision to assets | 0.3804% | 1,699 |
| Net operating income to assets | 0.9785% | 2,614 |
| Return on assets (ROA) | 1.0648% | 2,450 |
| Pretax return on assets | 1.3744% | 2,326 |
| Return on Equity (ROE) | 8.2012% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.1419% | 3,263 |
| Net charge-offs to loans | 0.2432% | 3,262 |
| Credit loss provision to net charge-offs | 237.2449% | 1,168 |
| Earnings coverage of net charge-offs (x) | 10.2450% | 2,208 |
| Efficiency ratio | 71.3817% | 3,435 |
| Assets per employee ($millions) | 2.6467% | 6,553 |
| Cash dividends to net income (ytd only)* | 37.3030% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 2,301 |
| Loan loss allowance to noncurrent loans | 43.7163% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.4119% | 1,479 |
| Noncurrent loans to loans | 4.4766% | 1,056 |
| Net loans and leases to total assets | 63.8418% | 3,052 |
| Net loans and leases to deposits | 74.7392% | 3,178 |
| Net loans and leases to core deposits | 75.3883% | 3,804 |
| Total domestic deposits to total assets | 85.4195% | 3,556 |
| Equity capital to assets | 13.0828% | 1,557 |
| Core capital (leverage) ratio | 12.7269% | 1,306 |
| Tier 1 risk-based capital ratio | 17.4049% | 2,576 |
| Total risk-based capital ratio | 18.5010% | 2,586 |
| Memoranda: | ||
| Average total assets | $325,948,750 | 1,995 |
| Average earning assets | $298,101,500 | 2,002 |
| Average equity | $42,318,000 | 1,659 |
| Average total loans | $214,862,000 | 1,902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 4,323 |
| Cost of funding earning assets | 0.2493% | 6,916 |
| Net interest margin | 4.1162% | 2,024 |
| Noninterest income to average assets | 1.8093% | 471 |
| Noninterest expense to average assets | 4.0417% | 897 |
| Loan and lease loss provision to assets | 0.5427% | 1,140 |
| Net operating income to assets | 0.7892% | 3,439 |
| Return on assets (ROA) | 0.9244% | 3,047 |
| Pretax return on assets | 1.1513% | 3,116 |
| Return on Equity (ROE) | 7.1387% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.7813% | 4,097 |
| Net charge-offs to loans | 0.3689% | 2,539 |
| Credit loss provision to net charge-offs | 222.2222% | 1,278 |
| Earnings coverage of net charge-offs (x) | 6.2449% | 2,672 |
| Efficiency ratio | 72.6044% | 3,321 |
| Assets per employee ($millions) | 2.6066% | 6,647 |
| Cash dividends to net income (ytd only)* | 47.0314% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,453 |
| Loan loss allowance to noncurrent loans | 38.3277% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.5221% | 1,096 |
| Noncurrent loans to loans | 5.0265% | 975 |
| Net loans and leases to total assets | 64.5101% | 2,935 |
| Net loans and leases to deposits | 75.3417% | 3,075 |
| Net loans and leases to core deposits | 76.1703% | 3,753 |
| Total domestic deposits to total assets | 85.6233% | 3,552 |
| Equity capital to assets | 12.8796% | 1,577 |
| Core capital (leverage) ratio | 12.5418% | 1,335 |
| Tier 1 risk-based capital ratio | 16.6259% | 2,848 |
| Total risk-based capital ratio | 17.7148% | 2,903 |
| Memoranda: | ||
| Average total assets | $324,319,000 | 1,999 |
| Average earning assets | $296,048,330 | 2,009 |
| Average equity | $41,996,330 | 1,665 |
| Average total loans | $214,673,000 | 1,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 4,031 |
| Cost of funding earning assets | 0.2648% | 6,962 |
| Net interest margin | 4.2047% | 1,746 |
| Noninterest income to average assets | 1.7340% | 505 |
| Noninterest expense to average assets | 3.9608% | 980 |
| Loan and lease loss provision to assets | 0.3724% | 1,695 |
| Net operating income to assets | 0.9836% | 2,540 |
| Return on assets (ROA) | 0.9855% | 2,729 |
| Pretax return on assets | 1.2462% | 2,742 |
| Return on Equity (ROE) | 7.5901% | 3,454 |
| Retained earnings to average equity (ytd only) | 4.7223% | 3,733 |
| Net charge-offs to loans | -0.0019% | 5,721 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0216% | 3,617 |
| Assets per employee ($millions) | 2.6972% | 6,641 |
| Cash dividends to net income (ytd only)* | 37.7834% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,828 |
| Loan loss allowance to noncurrent loans | 33.0125% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 4.9687% | 1,051 |
| Noncurrent loans to loans | 5.6195% | 938 |
| Net loans and leases to total assets | 64.4999% | 2,763 |
| Net loans and leases to deposits | 75.2855% | 2,927 |
| Net loans and leases to core deposits | 76.2255% | 3,591 |
| Total domestic deposits to total assets | 85.6737% | 3,701 |
| Equity capital to assets | 12.9061% | 1,483 |
| Core capital (leverage) ratio | 12.6723% | 1,261 |
| Tier 1 risk-based capital ratio | 16.5659% | 2,878 |
| Total risk-based capital ratio | 17.6582% | 2,916 |
| Memoranda: | ||
| Average total assets | $322,261,500 | 2,017 |
| Average earning assets | $294,529,000 | 2,020 |
| Average equity | $41,844,000 | 1,655 |
| Average total loans | $213,992,000 | 1,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 4,460 |
| Cost of funding earning assets | 0.4004% | 6,888 |
| Net interest margin | 4.2478% | 1,891 |
| Noninterest income to average assets | 1.5256% | 565 |
| Noninterest expense to average assets | 4.1831% | 828 |
| Loan and lease loss provision to assets | 0.4018% | 2,586 |
| Net operating income to assets | 0.8052% | 3,012 |
| Return on assets (ROA) | 0.8052% | 3,177 |
| Pretax return on assets | 0.8452% | 3,799 |
| Return on Equity (ROE) | 6.2465% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.0316% | 4,071 |
| Net charge-offs to loans | 0.5756% | 2,722 |
| Credit loss provision to net charge-offs | 105.2849% | 3,255 |
| Earnings coverage of net charge-offs (x) | 3.2675% | 3,576 |
| Efficiency ratio | 77.0356% | 2,741 |
| Assets per employee ($millions) | 2.6079% | 6,709 |
| Cash dividends to net income (ytd only)* | 51.4677% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 3,113 |
| Loan loss allowance to noncurrent loans | 33.1053% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 4.0819% | 1,402 |
| Noncurrent loans to loans | 5.2037% | 1,056 |
| Net loans and leases to total assets | 65.9490% | 2,798 |
| Net loans and leases to deposits | 77.1453% | 2,977 |
| Net loans and leases to core deposits | 78.0890% | 3,676 |
| Total domestic deposits to total assets | 85.4868% | 3,603 |
| Equity capital to assets | 13.0649% | 1,456 |
| Core capital (leverage) ratio | 12.3521% | 1,412 |
| Tier 1 risk-based capital ratio | 16.4680% | 2,835 |
| Total risk-based capital ratio | 17.7200% | 2,802 |
| Memoranda: | ||
| Average total assets | $317,327,000 | 2,023 |
| Average earning assets | $291,682,400 | 2,008 |
| Average equity | $40,902,800 | 1,645 |
| Average total loans | $210,401,000 | 1,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 4,550 |
| Cost of funding earning assets | 0.4302% | 6,941 |
| Net interest margin | 4.2495% | 1,911 |
| Noninterest income to average assets | 1.5237% | 566 |
| Noninterest expense to average assets | 3.8979% | 1,159 |
| Loan and lease loss provision to assets | 0.4940% | 2,013 |
| Net operating income to assets | 0.8863% | 2,792 |
| Return on assets (ROA) | 0.8863% | 2,951 |
| Pretax return on assets | 1.0402% | 3,248 |
| Return on Equity (ROE) | 6.8994% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.5937% | 4,185 |
| Net charge-offs to loans | 0.7620% | 2,042 |
| Credit loss provision to net charge-offs | 98.0801% | 3,483 |
| Earnings coverage of net charge-offs (x) | 3.0459% | 3,613 |
| Efficiency ratio | 71.7570% | 3,603 |
| Assets per employee ($millions) | 2.7260% | 6,614 |
| Cash dividends to net income (ytd only)* | 47.9125% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,301 |
| Loan loss allowance to noncurrent loans | 33.6236% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 3.9049% | 1,581 |
| Noncurrent loans to loans | 5.0345% | 1,232 |
| Net loans and leases to total assets | 62.1972% | 3,675 |
| Net loans and leases to deposits | 72.0466% | 3,983 |
| Net loans and leases to core deposits | 73.0134% | 4,581 |
| Total domestic deposits to total assets | 86.3292% | 3,024 |
| Equity capital to assets | 12.3368% | 2,008 |
| Core capital (leverage) ratio | 12.1263% | 1,635 |
| Tier 1 risk-based capital ratio | 16.5250% | 2,850 |
| Total risk-based capital ratio | 17.6297% | 2,887 |
| Memoranda: | ||
| Average total assets | $317,119,250 | 2,029 |
| Average earning assets | $291,668,500 | 2,019 |
| Average equity | $40,736,750 | 1,653 |
| Average total loans | $209,626,250 | 1,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 3,926 |
| Cost of funding earning assets | 0.4582% | 6,984 |
| Net interest margin | 4.3787% | 1,439 |
| Noninterest income to average assets | 1.5084% | 563 |
| Noninterest expense to average assets | 3.8899% | 1,214 |
| Loan and lease loss provision to assets | 0.5144% | 1,904 |
| Net operating income to assets | 0.9381% | 2,487 |
| Return on assets (ROA) | 0.9381% | 2,582 |
| Pretax return on assets | 1.1348% | 2,713 |
| Return on Equity (ROE) | 7.2001% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.2028% | 4,231 |
| Net charge-offs to loans | 0.8784% | 1,765 |
| Credit loss provision to net charge-offs | 87.2410% | 3,544 |
| Earnings coverage of net charge-offs (x) | 2.7972% | 3,448 |
| Efficiency ratio | 70.2263% | 4,066 |
| Assets per employee ($millions) | 2.5711% | 6,836 |
| Cash dividends to net income (ytd only)* | 55.5175% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,361 |
| Loan loss allowance to noncurrent loans | 35.0612% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 3.7852% | 1,715 |
| Noncurrent loans to loans | 4.8214% | 1,367 |
| Net loans and leases to total assets | 62.2820% | 3,830 |
| Net loans and leases to deposits | 72.2162% | 4,079 |
| Net loans and leases to core deposits | 73.5995% | 4,629 |
| Total domestic deposits to total assets | 86.2438% | 3,186 |
| Equity capital to assets | 12.4847% | 1,788 |
| Core capital (leverage) ratio | 12.3243% | 1,443 |
| Tier 1 risk-based capital ratio | 16.7185% | 2,642 |
| Total risk-based capital ratio | 17.9711% | 2,597 |
| Memoranda: | ||
| Average total assets | $311,059,670 | 2,072 |
| Average earning assets | $286,342,670 | 2,065 |
| Average equity | $40,527,330 | 1,653 |
| Average total loans | $208,789,330 | 2,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 2,628 |
| Cost of funding earning assets | 0.4713% | 7,061 |
| Net interest margin | 4.6330% | 811 |
| Noninterest income to average assets | 1.7051% | 470 |
| Noninterest expense to average assets | 4.0432% | 983 |
| Loan and lease loss provision to assets | 0.4616% | 1,910 |
| Net operating income to assets | 1.1447% | 1,683 |
| Return on assets (ROA) | 1.1447% | 1,734 |
| Pretax return on assets | 1.4651% | 1,555 |
| Return on Equity (ROE) | 8.5925% | 2,656 |
| Retained earnings to average equity (ytd only) | 4.6328% | 3,409 |
| Net charge-offs to loans | 0.5530% | 2,112 |
| Credit loss provision to net charge-offs | 120.6897% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.0379% | 2,344 |
| Efficiency ratio | 67.7270% | 4,705 |
| Assets per employee ($millions) | 2.5168% | 6,969 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 3,112 |
| Loan loss allowance to noncurrent loans | 48.2152% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 3.3106% | 2,063 |
| Noncurrent loans to loans | 3.6618% | 2,025 |
| Net loans and leases to total assets | 66.5778% | 2,865 |
| Net loans and leases to deposits | 77.8698% | 3,078 |
| Net loans and leases to core deposits | 79.3900% | 3,835 |
| Total domestic deposits to total assets | 85.4988% | 3,783 |
| Equity capital to assets | 13.2229% | 1,293 |
| Core capital (leverage) ratio | 12.9779% | 1,126 |
| Tier 1 risk-based capital ratio | 16.6363% | 2,605 |
| Total risk-based capital ratio | 17.8889% | 2,582 |
| Memoranda: | ||
| Average total assets | $303,321,500 | 2,137 |
| Average earning assets | $279,212,500 | 2,119 |
| Average equity | $40,407,500 | 1,650 |
| Average total loans | $209,749,000 | 2,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 1,508 |
| Cost of funding earning assets | 0.6166% | 7,091 |
| Net interest margin | 5.1009% | 354 |
| Noninterest income to average assets | 1.9816% | 402 |
| Noninterest expense to average assets | 4.4392% | 690 |
| Loan and lease loss provision to assets | 0.3444% | 4,075 |
| Net operating income to assets | 1.4229% | 898 |
| Return on assets (ROA) | 1.4229% | 968 |
| Pretax return on assets | 1.8507% | 685 |
| Return on Equity (ROE) | 10.6513% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.6806% | 1,463 |
| Net charge-offs to loans | 0.2669% | 4,697 |
| Credit loss provision to net charge-offs | 173.9130% | 1,933 |
| Earnings coverage of net charge-offs (x) | 11.0835% | 1,636 |
| Efficiency ratio | 66.9124% | 4,774 |
| Assets per employee ($millions) | 2.4760% | 7,043 |
| Cash dividends to net income (ytd only)* | 37.2791% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 3,183 |
| Loan loss allowance to noncurrent loans | 39.1464% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.5568% | 1,939 |
| Noncurrent loans to loans | 4.3671% | 1,645 |
| Net loans and leases to total assets | 69.3550% | 2,697 |
| Net loans and leases to deposits | 81.2674% | 2,940 |
| Net loans and leases to core deposits | 83.6185% | 3,649 |
| Total domestic deposits to total assets | 85.3417% | 3,697 |
| Equity capital to assets | 13.4229% | 1,209 |
| Core capital (leverage) ratio | 13.3390% | 1,014 |
| Tier 1 risk-based capital ratio | 16.5262% | 2,511 |
| Total risk-based capital ratio | 17.7797% | 2,482 |
| Memoranda: | ||
| Average total assets | $290,320,400 | 2,211 |
| Average earning assets | $264,818,400 | 2,217 |
| Average equity | $38,784,000 | 1,705 |
| Average total loans | $215,474,000 | 2,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 1,409 |
| Cost of funding earning assets | 0.6389% | 7,205 |
| Net interest margin | 5.1574% | 322 |
| Noninterest income to average assets | 1.9342% | 396 |
| Noninterest expense to average assets | 4.2744% | 762 |
| Loan and lease loss provision to assets | 0.3935% | 3,535 |
| Net operating income to assets | 1.2662% | 1,425 |
| Return on assets (ROA) | 1.2662% | 1,505 |
| Pretax return on assets | 1.9564% | 688 |
| Return on Equity (ROE) | 9.4898% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.5690% | 2,608 |
| Net charge-offs to loans | 0.1946% | 4,782 |
| Credit loss provision to net charge-offs | 268.9873% | 1,222 |
| Earnings coverage of net charge-offs (x) | 16.0634% | 1,399 |
| Efficiency ratio | 64.5258% | 5,146 |
| Assets per employee ($millions) | 2.3564% | 7,249 |
| Cash dividends to net income (ytd only)* | 41.3162% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,810 |
| Loan loss allowance to noncurrent loans | 35.0499% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 3.9263% | 1,791 |
| Noncurrent loans to loans | 5.1197% | 1,341 |
| Net loans and leases to total assets | 69.1728% | 2,941 |
| Net loans and leases to deposits | 81.2916% | 3,219 |
| Net loans and leases to core deposits | 84.9114% | 3,816 |
| Total domestic deposits to total assets | 85.0923% | 3,575 |
| Equity capital to assets | 13.3341% | 1,432 |
| Core capital (leverage) ratio | 12.9116% | 1,262 |
| Tier 1 risk-based capital ratio | 16.6844% | 2,467 |
| Total risk-based capital ratio | 17.9388% | 2,427 |
| Memoranda: | ||
| Average total assets | $288,000,750 | 2,258 |
| Average earning assets | $261,907,250 | 2,276 |
| Average equity | $38,426,250 | 1,736 |
| Average total loans | $216,492,250 | 2,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9067% | 1,167 |
| Cost of funding earning assets | 0.6609% | 7,276 |
| Net interest margin | 5.2458% | 268 |
| Noninterest income to average assets | 1.7956% | 416 |
| Noninterest expense to average assets | 4.2286% | 784 |
| Loan and lease loss provision to assets | 0.4898% | 2,848 |
| Net operating income to assets | 1.1833% | 1,601 |
| Return on assets (ROA) | 1.1833% | 1,672 |
| Pretax return on assets | 1.8207% | 851 |
| Return on Equity (ROE) | 8.8666% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,782 |
| Net charge-offs to loans | 0.0774% | 5,368 |
| Credit loss provision to net charge-offs | 823.5294% | 451 |
| Earnings coverage of net charge-offs (x) | 38.8471% | 747 |
| Efficiency ratio | 64.6656% | 5,215 |
| Assets per employee ($millions) | 2.3551% | 7,292 |
| Cash dividends to net income (ytd only)* | 41.3956% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 2,784 |
| Loan loss allowance to noncurrent loans | 29.8751% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 4.5605% | 1,445 |
| Noncurrent loans to loans | 5.9607% | 1,078 |
| Net loans and leases to total assets | 72.4289% | 2,292 |
| Net loans and leases to deposits | 84.9300% | 2,717 |
| Net loans and leases to core deposits | 88.5754% | 3,471 |
| Total domestic deposits to total assets | 85.2807% | 3,477 |
| Equity capital to assets | 13.3575% | 1,411 |
| Core capital (leverage) ratio | 12.9946% | 1,212 |
| Tier 1 risk-based capital ratio | 15.9640% | 2,690 |
| Total risk-based capital ratio | 17.2186% | 2,649 |
| Memoranda: | ||
| Average total assets | $285,817,000 | 2,295 |
| Average earning assets | $258,453,000 | 2,320 |
| Average equity | $38,143,000 | 1,743 |
| Average total loans | $219,498,670 | 2,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 1,058 |
| Cost of funding earning assets | 0.7050% | 7,325 |
| Net interest margin | 5.2531% | 261 |
| Noninterest income to average assets | 1.6810% | 450 |
| Noninterest expense to average assets | 4.1904% | 822 |
| Loan and lease loss provision to assets | 0.6341% | 2,000 |
| Net operating income to assets | 1.0229% | 2,102 |
| Return on assets (ROA) | 1.0229% | 2,160 |
| Pretax return on assets | 1.5598% | 1,367 |
| Return on Equity (ROE) | 7.6688% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.4999% | 3,460 |
| Net charge-offs to loans | 0.1349% | 4,139 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 20.7600% | 1,147 |
| Efficiency ratio | 65.6367% | 5,196 |
| Assets per employee ($millions) | 2.2672% | 7,487 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 3,414 |
| Loan loss allowance to noncurrent loans | 23.1956% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 5.6550% | 1,082 |
| Noncurrent loans to loans | 6.9248% | 868 |
| Net loans and leases to total assets | 77.0373% | 1,320 |
| Net loans and leases to deposits | 90.5441% | 1,826 |
| Net loans and leases to core deposits | 94.5390% | 2,762 |
| Total domestic deposits to total assets | 85.0826% | 3,630 |
| Equity capital to assets | 13.4526% | 1,346 |
| Core capital (leverage) ratio | 13.0489% | 1,199 |
| Tier 1 risk-based capital ratio | 15.3923% | 2,922 |
| Total risk-based capital ratio | 16.5167% | 2,938 |
| Memoranda: | ||
| Average total assets | $283,885,500 | 2,355 |
| Average earning assets | $254,174,000 | 2,404 |
| Average equity | $37,867,500 | 1,779 |
| Average total loans | $222,440,000 | 2,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 657 |
| Cost of funding earning assets | 0.9426% | 7,322 |
| Net interest margin | 5.5690% | 178 |
| Noninterest income to average assets | 1.9769% | 383 |
| Noninterest expense to average assets | 4.4671% | 821 |
| Loan and lease loss provision to assets | 0.5704% | 3,524 |
| Net operating income to assets | 1.2553% | 1,122 |
| Return on assets (ROA) | 1.2553% | 1,178 |
| Pretax return on assets | 1.8977% | 516 |
| Return on Equity (ROE) | 9.5785% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.9059% | 1,386 |
| Net charge-offs to loans | 0.3168% | 4,658 |
| Credit loss provision to net charge-offs | 225.0352% | 1,662 |
| Earnings coverage of net charge-offs (x) | 9.7370% | 1,762 |
| Efficiency ratio | 64.4117% | 5,695 |
| Assets per employee ($millions) | 2.2750% | 7,499 |
| Cash dividends to net income (ytd only)* | 38.3414% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 4,073 |
| Loan loss allowance to noncurrent loans | 29.3998% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 4.0098% | 1,645 |
| Noncurrent loans to loans | 4.8642% | 1,405 |
| Net loans and leases to total assets | 77.2946% | 1,524 |
| Net loans and leases to deposits | 92.7863% | 1,769 |
| Net loans and leases to core deposits | 102.1066% | 3,796 |
| Total domestic deposits to total assets | 83.3039% | 4,382 |
| Equity capital to assets | 13.2258% | 1,427 |
| Core capital (leverage) ratio | 12.7754% | 1,318 |
| Tier 1 risk-based capital ratio | 15.0824% | 2,896 |
| Total risk-based capital ratio | 16.3225% | 2,854 |
| Memoranda: | ||
| Average total assets | $280,496,400 | 2,344 |
| Average earning assets | $249,738,400 | 2,405 |
| Average equity | $36,759,600 | 1,831 |
| Average total loans | $224,433,800 | 2,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5207% | 718 |
| Cost of funding earning assets | 0.9871% | 7,419 |
| Net interest margin | 5.5335% | 174 |
| Noninterest income to average assets | 1.9824% | 379 |
| Noninterest expense to average assets | 4.2829% | 931 |
| Loan and lease loss provision to assets | 0.5485% | 3,194 |
| Net operating income to assets | 1.3613% | 1,100 |
| Return on assets (ROA) | 1.3613% | 1,158 |
| Pretax return on assets | 2.1083% | 432 |
| Return on Equity (ROE) | 10.4120% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.9462% | 1,524 |
| Net charge-offs to loans | 0.2023% | 4,783 |
| Credit loss provision to net charge-offs | 337.2434% | 1,220 |
| Earnings coverage of net charge-offs (x) | 16.3341% | 1,477 |
| Efficiency ratio | 61.7156% | 6,162 |
| Assets per employee ($millions) | 2.2616% | 7,539 |
| Cash dividends to net income (ytd only)* | 33.2867% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 3,967 |
| Loan loss allowance to noncurrent loans | 31.0931% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 3.9841% | 1,612 |
| Noncurrent loans to loans | 4.4914% | 1,559 |
| Net loans and leases to total assets | 77.6504% | 1,644 |
| Net loans and leases to deposits | 93.0902% | 2,044 |
| Net loans and leases to core deposits | 101.8844% | 4,167 |
| Total domestic deposits to total assets | 83.4141% | 4,012 |
| Equity capital to assets | 13.2442% | 1,602 |
| Core capital (leverage) ratio | 12.7581% | 1,467 |
| Tier 1 risk-based capital ratio | 15.1410% | 2,983 |
| Total risk-based capital ratio | 16.3806% | 2,921 |
| Memoranda: | ||
| Average total assets | $279,526,250 | 2,362 |
| Average earning assets | $250,418,000 | 2,422 |
| Average equity | $36,546,750 | 1,859 |
| Average total loans | $224,793,000 | 2,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5527% | 726 |
| Cost of funding earning assets | 1.0380% | 7,483 |
| Net interest margin | 5.5147% | 179 |
| Noninterest income to average assets | 2.0685% | 349 |
| Noninterest expense to average assets | 4.2346% | 1,030 |
| Loan and lease loss provision to assets | 0.5027% | 3,021 |
| Net operating income to assets | 1.4687% | 902 |
| Return on assets (ROA) | 1.4687% | 961 |
| Pretax return on assets | 2.2918% | 303 |
| Return on Equity (ROE) | 11.2832% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.6968% | 1,320 |
| Net charge-offs to loans | 0.2253% | 4,087 |
| Credit loss provision to net charge-offs | 275.5906% | 1,698 |
| Earnings coverage of net charge-offs (x) | 15.3189% | 1,604 |
| Efficiency ratio | 60.2432% | 6,507 |
| Assets per employee ($millions) | 2.2080% | 7,661 |
| Cash dividends to net income (ytd only)* | 31.7848% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,782 |
| Loan loss allowance to noncurrent loans | 35.7785% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 3.1878% | 1,969 |
| Noncurrent loans to loans | 3.4246% | 2,058 |
| Net loans and leases to total assets | 78.9426% | 1,538 |
| Net loans and leases to deposits | 94.6049% | 2,004 |
| Net loans and leases to core deposits | 104.3047% | 4,033 |
| Total domestic deposits to total assets | 83.4445% | 4,040 |
| Equity capital to assets | 13.1309% | 1,647 |
| Core capital (leverage) ratio | 12.6798% | 1,548 |
| Tier 1 risk-based capital ratio | 14.8839% | 3,072 |
| Total risk-based capital ratio | 16.0102% | 3,054 |
| Memoranda: | ||
| Average total assets | $278,469,000 | 2,391 |
| Average earning assets | $250,492,670 | 2,438 |
| Average equity | $36,248,670 | 1,882 |
| Average total loans | $225,515,670 | 2,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4640% | 928 |
| Cost of funding earning assets | 1.0893% | 7,535 |
| Net interest margin | 5.3746% | 209 |
| Noninterest income to average assets | 2.0166% | 362 |
| Noninterest expense to average assets | 4.0678% | 1,100 |
| Loan and lease loss provision to assets | 0.3604% | 3,156 |
| Net operating income to assets | 1.5741% | 819 |
| Return on assets (ROA) | 1.5741% | 899 |
| Pretax return on assets | 2.4390% | 284 |
| Return on Equity (ROE) | 12.1460% | 1,614 |
| Retained earnings to average equity (ytd only) | 12.1460% | 762 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2359% | 6,520 |
| Assets per employee ($millions) | 2.1243% | 7,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 5,365 |
| Loan loss allowance to noncurrent loans | 36.3922% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 2.8400% | 1,999 |
| Noncurrent loans to loans | 3.0603% | 2,125 |
| Net loans and leases to total assets | 80.1365% | 1,361 |
| Net loans and leases to deposits | 96.6482% | 1,846 |
| Net loans and leases to core deposits | 106.5493% | 3,845 |
| Total domestic deposits to total assets | 82.9156% | 4,183 |
| Equity capital to assets | 12.9358% | 1,778 |
| Core capital (leverage) ratio | 12.8008% | 1,560 |
| Tier 1 risk-based capital ratio | 14.4894% | 3,316 |
| Total risk-based capital ratio | 15.5161% | 3,374 |
| Memoranda: | ||
| Average total assets | $277,496,000 | 2,409 |
| Average earning assets | $250,435,000 | 2,440 |
| Average equity | $35,962,500 | 1,904 |
| Average total loans | $226,217,000 | 2,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8860% | 1,441 |
| Cost of funding earning assets | 1.4835% | 7,634 |
| Net interest margin | 5.4024% | 238 |
| Noninterest income to average assets | 1.8107% | 415 |
| Noninterest expense to average assets | 4.1435% | 1,213 |
| Loan and lease loss provision to assets | 0.0912% | 6,233 |
| Net operating income to assets | 1.5844% | 855 |
| Return on assets (ROA) | 1.5841% | 820 |
| Pretax return on assets | 2.4477% | 219 |
| Return on Equity (ROE) | 12.4257% | 1,468 |
| Retained earnings to average equity (ytd only) | 3.5886% | 2,911 |
| Net charge-offs to loans | 0.0861% | 5,520 |
| Credit loss provision to net charge-offs | 133.6898% | 3,973 |
| Earnings coverage of net charge-offs (x) | 37.2193% | 996 |
| Efficiency ratio | 62.0025% | 5,950 |
| Assets per employee ($millions) | 2.1121% | 7,816 |
| Cash dividends to net income (ytd only)* | 71.1193% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,781 |
| Loan loss allowance to noncurrent loans | 38.0417% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 2.5105% | 1,928 |
| Noncurrent loans to loans | 2.7055% | 2,003 |
| Net loans and leases to total assets | 81.1763% | 1,397 |
| Net loans and leases to deposits | 99.7879% | 1,849 |
| Net loans and leases to core deposits | 110.2058% | 3,759 |
| Total domestic deposits to total assets | 81.3488% | 4,483 |
| Equity capital to assets | 12.9843% | 1,796 |
| Core capital (leverage) ratio | 12.5525% | 1,727 |
| Tier 1 risk-based capital ratio | 14.0498% | 3,527 |
| Total risk-based capital ratio | 14.9759% | 3,602 |
| Memoranda: | ||
| Average total assets | $274,093,600 | 2,350 |
| Average earning assets | $247,184,200 | 2,392 |
| Average equity | $34,943,800 | 1,935 |
| Average total loans | $217,280,600 | 2,154 |