Home > 1st Enterprise Bank > Performance and Condition Ratios
1st Enterprise Bank, Performance and Condition Ratios
| 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 | 3.5405% | 5,294 |
| Cost of funding earning assets | 0.1088% | 6,383 |
| Net interest margin | 3.4317% | 4,103 |
| Noninterest income to average assets | 0.4786% | 3,697 |
| Noninterest expense to average assets | 2.4442% | 4,682 |
| Loan and lease loss provision to assets | -0.1182% | 6,307 |
| Net operating income to assets | 0.8329% | 3,268 |
| Return on assets (ROA) | 0.8392% | 3,325 |
| Pretax return on assets | 1.3525% | 2,185 |
| Return on Equity (ROE) | 9.1305% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.9023% | 1,033 |
| Net charge-offs to loans | 0.3301% | 1,215 |
| Credit loss provision to net charge-offs | -52.3414% | 5,348 |
| Earnings coverage of net charge-offs (x) | 5.4214% | 3,263 |
| Efficiency ratio | 66.6248% | 4,111 |
| Assets per employee ($millions) | 10.1359% | 227 |
| Cash dividends to net income (ytd only)* | 2.5001% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,897 |
| Loan loss allowance to noncurrent loans | 90,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 6,216 |
| Noncurrent loans to loans | 0.0009% | 6,056 |
| Net loans and leases to total assets | 70.6129% | 2,093 |
| Net loans and leases to deposits | 81.8681% | 2,443 |
| Net loans and leases to core deposits | 82.1799% | 3,091 |
| Total domestic deposits to total assets | 86.2521% | 2,727 |
| Equity capital to assets | 9.3288% | 5,008 |
| Core capital (leverage) ratio | 9.4997% | 4,374 |
| Tier 1 risk-based capital ratio | 10.6516% | 6,153 |
| Total risk-based capital ratio | 11.3809% | 6,279 |
| Memoranda: | ||
| Average total assets | $781,656,250 | 869 |
| Average earning assets | $726,582,500 | 847 |
| Average equity | $71,845,000 | 1,021 |
| Average total loans | $534,728,500 | 826 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 5,404 |
| Cost of funding earning assets | 0.1079% | 6,456 |
| Net interest margin | 3.3941% | 4,203 |
| Noninterest income to average assets | 0.4798% | 3,632 |
| Noninterest expense to average assets | 2.6000% | 4,239 |
| Loan and lease loss provision to assets | -0.0361% | 6,273 |
| Net operating income to assets | 0.6340% | 4,186 |
| Return on assets (ROA) | 0.6436% | 4,233 |
| Pretax return on assets | 1.0724% | 3,205 |
| Return on Equity (ROE) | 7.0387% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.8074% | 1,865 |
| Net charge-offs to loans | -0.0088% | 5,298 |
| Credit loss provision to net charge-offs | 608.6957% | 491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7980% | 3,382 |
| Assets per employee ($millions) | 9.6338% | 263 |
| Cash dividends to net income (ytd only)* | 3.2866% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,602 |
| Loan loss allowance to noncurrent loans | 370.7995% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 5,458 |
| Noncurrent loans to loans | 0.3136% | 5,073 |
| Net loans and leases to total assets | 68.8594% | 2,266 |
| Net loans and leases to deposits | 78.4779% | 2,735 |
| Net loans and leases to core deposits | 78.8324% | 3,338 |
| Total domestic deposits to total assets | 87.7438% | 2,062 |
| Equity capital to assets | 9.1541% | 5,152 |
| Core capital (leverage) ratio | 9.5455% | 4,256 |
| Tier 1 risk-based capital ratio | 10.4973% | 6,251 |
| Total risk-based capital ratio | 11.5507% | 6,266 |
| Memoranda: | ||
| Average total assets | $775,295,330 | 874 |
| Average earning assets | $717,594,000 | 856 |
| Average equity | $70,893,670 | 1,026 |
| Average total loans | $522,996,330 | 838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 5,381 |
| Cost of funding earning assets | 0.1071% | 6,544 |
| Net interest margin | 3.4078% | 4,085 |
| Noninterest income to average assets | 0.4688% | 3,639 |
| Noninterest expense to average assets | 2.4397% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7702% | 3,307 |
| Return on assets (ROA) | 0.7839% | 3,314 |
| Pretax return on assets | 1.2157% | 2,412 |
| Return on Equity (ROE) | 8.5776% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.3439% | 1,473 |
| Net charge-offs to loans | -0.0016% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1349% | 4,341 |
| Assets per employee ($millions) | 9.4623% | 287 |
| Cash dividends to net income (ytd only)* | 2.7243% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,281 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,527 |
| Noncurrent loans to loans | 0.3407% | 5,094 |
| Net loans and leases to total assets | 65.3220% | 2,669 |
| Net loans and leases to deposits | 77.7874% | 2,587 |
| Net loans and leases to core deposits | 78.1611% | 3,186 |
| Total domestic deposits to total assets | 83.9750% | 4,285 |
| Equity capital to assets | 9.1617% | 4,919 |
| Core capital (leverage) ratio | 9.4564% | 4,339 |
| Tier 1 risk-based capital ratio | 11.1019% | 6,117 |
| Total risk-based capital ratio | 12.1712% | 6,140 |
| Memoranda: | ||
| Average total assets | $767,956,500 | 884 |
| Average earning assets | $713,301,500 | 868 |
| Average equity | $70,183,000 | 1,036 |
| Average total loans | $509,309,000 | 864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,920 |
| Cost of funding earning assets | 0.1101% | 6,649 |
| Net interest margin | 3.2351% | 4,874 |
| Noninterest income to average assets | 0.4918% | 3,808 |
| Noninterest expense to average assets | 2.3363% | 5,266 |
| Loan and lease loss provision to assets | 0.1828% | 2,014 |
| Net operating income to assets | 0.6927% | 3,825 |
| Return on assets (ROA) | 0.6919% | 3,929 |
| Pretax return on assets | 0.9991% | 3,348 |
| Return on Equity (ROE) | 7.4316% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.1880% | 1,364 |
| Net charge-offs to loans | 0.0701% | 4,228 |
| Credit loss provision to net charge-offs | 419.6825% | 547 |
| Earnings coverage of net charge-offs (x) | 27.1556% | 1,277 |
| Efficiency ratio | 66.3850% | 4,492 |
| Assets per employee ($millions) | 9.0476% | 323 |
| Cash dividends to net income (ytd only)* | 3.2780% | 4,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,189 |
| Loan loss allowance to noncurrent loans | 358.6681% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 5,562 |
| Noncurrent loans to loans | 0.3596% | 5,107 |
| Net loans and leases to total assets | 65.6237% | 2,747 |
| Net loans and leases to deposits | 77.5890% | 2,781 |
| Net loans and leases to core deposits | 77.9183% | 3,375 |
| Total domestic deposits to total assets | 84.5787% | 3,933 |
| Equity capital to assets | 9.1156% | 4,905 |
| Core capital (leverage) ratio | 9.3444% | 4,485 |
| Tier 1 risk-based capital ratio | 10.9743% | 6,184 |
| Total risk-based capital ratio | 12.0392% | 6,215 |
| Memoranda: | ||
| Average total assets | $723,074,200 | 919 |
| Average earning assets | $676,679,000 | 895 |
| Average equity | $67,320,400 | 1,066 |
| Average total loans | $449,578,600 | 953 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 6,022 |
| Cost of funding earning assets | 0.1111% | 6,741 |
| Net interest margin | 3.2112% | 4,962 |
| Noninterest income to average assets | 0.4780% | 3,948 |
| Noninterest expense to average assets | 2.3041% | 5,329 |
| Loan and lease loss provision to assets | 0.1143% | 2,863 |
| Net operating income to assets | 0.7136% | 3,793 |
| Return on assets (ROA) | 0.7126% | 3,928 |
| Pretax return on assets | 1.0585% | 3,269 |
| Return on Equity (ROE) | 7.6111% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.3657% | 1,700 |
| Net charge-offs to loans | 0.0970% | 3,585 |
| Credit loss provision to net charge-offs | 193.0599% | 1,248 |
| Earnings coverage of net charge-offs (x) | 19.8326% | 1,616 |
| Efficiency ratio | 66.2407% | 4,440 |
| Assets per employee ($millions) | 8.9187% | 320 |
| Cash dividends to net income (ytd only)* | 3.2242% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 62.6514% | 3,231 |
| Net loans and leases to deposits | 72.7877% | 3,427 |
| Net loans and leases to core deposits | 73.1061% | 3,961 |
| Total domestic deposits to total assets | 86.0741% | 3,210 |
| Equity capital to assets | 9.3451% | 4,747 |
| Core capital (leverage) ratio | 9.5556% | 4,325 |
| Tier 1 risk-based capital ratio | 11.4986% | 6,059 |
| Total risk-based capital ratio | 12.5232% | 6,124 |
| Memoranda: | ||
| Average total assets | $713,842,500 | 933 |
| Average earning assets | $666,983,500 | 907 |
| Average equity | $66,830,750 | 1,085 |
| Average total loans | $435,658,750 | 978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 6,065 |
| Cost of funding earning assets | 0.1132% | 6,796 |
| Net interest margin | 3.1994% | 4,949 |
| Noninterest income to average assets | 0.4593% | 4,097 |
| Noninterest expense to average assets | 2.2836% | 5,410 |
| Loan and lease loss provision to assets | 0.1715% | 2,193 |
| Net operating income to assets | 0.6848% | 3,878 |
| Return on assets (ROA) | 0.6856% | 4,044 |
| Pretax return on assets | 1.0068% | 3,480 |
| Return on Equity (ROE) | 7.3184% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.0711% | 1,862 |
| Net charge-offs to loans | 0.1534% | 2,872 |
| Credit loss provision to net charge-offs | 185.6269% | 1,282 |
| Earnings coverage of net charge-offs (x) | 12.7431% | 1,957 |
| Efficiency ratio | 65.9865% | 4,547 |
| Assets per employee ($millions) | 9.3001% | 269 |
| Cash dividends to net income (ytd only)* | 3.3787% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.3133% | 3,419 |
| Net loans and leases to deposits | 73.1177% | 3,278 |
| Net loans and leases to core deposits | 73.4527% | 3,879 |
| Total domestic deposits to total assets | 83.8556% | 4,379 |
| Equity capital to assets | 9.3879% | 4,737 |
| Core capital (leverage) ratio | 9.5621% | 4,140 |
| Tier 1 risk-based capital ratio | 11.7838% | 5,927 |
| Total risk-based capital ratio | 12.8557% | 6,006 |
| Memoranda: | ||
| Average total assets | $708,011,000 | 942 |
| Average earning assets | $664,185,330 | 909 |
| Average equity | $66,326,330 | 1,095 |
| Average total loans | $426,212,330 | 996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2609% | 6,223 |
| Cost of funding earning assets | 0.1162% | 6,872 |
| Net interest margin | 3.1447% | 5,116 |
| Noninterest income to average assets | 0.4262% | 4,278 |
| Noninterest expense to average assets | 2.2524% | 5,561 |
| Loan and lease loss provision to assets | 0.3080% | 1,109 |
| Net operating income to assets | 0.5779% | 4,323 |
| Return on assets (ROA) | 0.5779% | 4,475 |
| Pretax return on assets | 0.8194% | 4,091 |
| Return on Equity (ROE) | 6.1753% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.9263% | 2,720 |
| Net charge-offs to loans | 0.3349% | 1,635 |
| Credit loss provision to net charge-offs | 155.3009% | 1,329 |
| Earnings coverage of net charge-offs (x) | 5.6848% | 2,337 |
| Efficiency ratio | 66.6443% | 4,549 |
| Assets per employee ($millions) | 9.2340% | 291 |
| Cash dividends to net income (ytd only)* | 4.0315% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.7486% | 3,475 |
| Net loans and leases to deposits | 69.7170% | 3,538 |
| Net loans and leases to core deposits | 70.0174% | 4,081 |
| Total domestic deposits to total assets | 85.7016% | 3,678 |
| Equity capital to assets | 9.4559% | 4,916 |
| Core capital (leverage) ratio | 9.4155% | 4,216 |
| Tier 1 risk-based capital ratio | 11.9157% | 5,967 |
| Total risk-based capital ratio | 13.0076% | 6,035 |
| Memoranda: | ||
| Average total assets | $703,961,000 | 951 |
| Average earning assets | $661,169,500 | 921 |
| Average equity | $65,875,500 | 1,118 |
| Average total loans | $416,888,000 | 1,025 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3640% | 6,525 |
| Cost of funding earning assets | 0.1242% | 6,969 |
| Net interest margin | 3.2399% | 5,458 |
| Noninterest income to average assets | 0.5008% | 3,894 |
| Noninterest expense to average assets | 2.5638% | 4,890 |
| Loan and lease loss provision to assets | 0.2407% | 2,725 |
| Net operating income to assets | 0.4952% | 4,705 |
| Return on assets (ROA) | 0.5956% | 4,519 |
| Pretax return on assets | 0.8501% | 4,105 |
| Return on Equity (ROE) | 6.3075% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0303% | 2,064 |
| Net charge-offs to loans | 0.1722% | 4,000 |
| Credit loss provision to net charge-offs | 252.1739% | 960 |
| Earnings coverage of net charge-offs (x) | 9.9264% | 2,201 |
| Efficiency ratio | 73.0194% | 3,237 |
| Assets per employee ($millions) | 9.6731% | 270 |
| Cash dividends to net income (ytd only)* | 4.3944% | 4,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,414 |
| Loan loss allowance to noncurrent loans | 1,169.8514% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 6,445 |
| Noncurrent loans to loans | 0.1152% | 6,197 |
| Net loans and leases to total assets | 57.1074% | 4,107 |
| Net loans and leases to deposits | 65.8809% | 4,306 |
| Net loans and leases to core deposits | 66.1597% | 4,722 |
| Total domestic deposits to total assets | 86.6828% | 3,001 |
| Equity capital to assets | 9.2604% | 5,195 |
| Core capital (leverage) ratio | 9.3698% | 4,299 |
| Tier 1 risk-based capital ratio | 12.0851% | 5,730 |
| Total risk-based capital ratio | 13.1767% | 5,788 |
| Memoranda: | ||
| Average total assets | $626,613,000 | 1,054 |
| Average earning assets | $582,215,600 | 1,042 |
| Average equity | $59,167,600 | 1,200 |
| Average total loans | $347,179,600 | 1,212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3986% | 6,631 |
| Cost of funding earning assets | 0.1304% | 7,073 |
| Net interest margin | 3.2682% | 5,489 |
| Noninterest income to average assets | 0.5285% | 3,753 |
| Noninterest expense to average assets | 2.6137% | 4,694 |
| Loan and lease loss provision to assets | 0.2187% | 2,873 |
| Net operating income to assets | 0.5075% | 4,818 |
| Return on assets (ROA) | 0.5496% | 4,885 |
| Pretax return on assets | 0.7792% | 4,565 |
| Return on Equity (ROE) | 5.7880% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.5034% | 3,038 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5787% | 3,053 |
| Assets per employee ($millions) | 9.3215% | 293 |
| Cash dividends to net income (ytd only)* | 4.9182% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.7687% | 4,336 |
| Net loans and leases to deposits | 63.4782% | 4,778 |
| Net loans and leases to core deposits | 63.6209% | 5,195 |
| Total domestic deposits to total assets | 89.4304% | 1,172 |
| Equity capital to assets | 9.8273% | 4,740 |
| Core capital (leverage) ratio | 9.5936% | 4,125 |
| Tier 1 risk-based capital ratio | 12.1376% | 5,861 |
| Total risk-based capital ratio | 13.2724% | 5,911 |
| Memoranda: | ||
| Average total assets | $606,731,750 | 1,101 |
| Average earning assets | $561,357,000 | 1,088 |
| Average equity | $57,611,750 | 1,237 |
| Average total loans | $331,782,750 | 1,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 6,696 |
| Cost of funding earning assets | 0.1362% | 7,144 |
| Net interest margin | 3.2977% | 5,444 |
| Noninterest income to average assets | 0.5027% | 3,905 |
| Noninterest expense to average assets | 2.6568% | 4,584 |
| Loan and lease loss provision to assets | 0.0850% | 4,528 |
| Net operating income to assets | 0.5693% | 4,500 |
| Return on assets (ROA) | 0.6299% | 4,472 |
| Pretax return on assets | 0.8920% | 4,108 |
| Return on Equity (ROE) | 6.7216% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.4242% | 2,422 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8731% | 2,922 |
| Assets per employee ($millions) | 9.5242% | 273 |
| Cash dividends to net income (ytd only)* | 4.4253% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 4,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 54.2872% | 4,747 |
| Net loans and leases to deposits | 60.9992% | 5,131 |
| Net loans and leases to core deposits | 61.1021% | 5,483 |
| Total domestic deposits to total assets | 88.9965% | 1,506 |
| Equity capital to assets | 10.3436% | 3,894 |
| Core capital (leverage) ratio | 10.5682% | 2,735 |
| Tier 1 risk-based capital ratio | 13.2717% | 4,983 |
| Total risk-based capital ratio | 14.3588% | 5,085 |
| Memoranda: | ||
| Average total assets | $588,366,000 | 1,141 |
| Average earning assets | $543,409,670 | 1,124 |
| Average equity | $55,135,670 | 1,290 |
| Average total loans | $315,274,670 | 1,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4382% | 6,768 |
| Cost of funding earning assets | 0.1479% | 7,194 |
| Net interest margin | 3.2902% | 5,505 |
| Noninterest income to average assets | 0.4873% | 4,003 |
| Noninterest expense to average assets | 2.5654% | 4,941 |
| Loan and lease loss provision to assets | 0.0070% | 5,193 |
| Net operating income to assets | 0.6654% | 4,050 |
| Return on assets (ROA) | 0.7323% | 3,960 |
| Pretax return on assets | 1.0366% | 3,547 |
| Return on Equity (ROE) | 8.2784% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.9549% | 1,997 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9891% | 3,257 |
| Assets per employee ($millions) | 8.9071% | 333 |
| Cash dividends to net income (ytd only)* | 3.9085% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 4,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.1466% | 4,860 |
| Net loans and leases to deposits | 59.2178% | 5,255 |
| Net loans and leases to core deposits | 59.3236% | 5,591 |
| Total domestic deposits to total assets | 89.7477% | 1,220 |
| Equity capital to assets | 8.8322% | 5,711 |
| Core capital (leverage) ratio | 8.9074% | 4,985 |
| Tier 1 risk-based capital ratio | 11.2546% | 6,415 |
| Total risk-based capital ratio | 12.3581% | 6,477 |
| Memoranda: | ||
| Average total assets | $573,011,000 | 1,176 |
| Average earning assets | $527,257,500 | 1,163 |
| Average equity | $50,686,000 | 1,395 |
| Average total loans | $302,447,500 | 1,405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2579% | 7,103 |
| Cost of funding earning assets | 0.2265% | 7,206 |
| Net interest margin | 3.0313% | 6,481 |
| Noninterest income to average assets | 0.4141% | 4,500 |
| Noninterest expense to average assets | 2.4397% | 5,662 |
| Loan and lease loss provision to assets | 0.2127% | 4,063 |
| Net operating income to assets | 0.4252% | 4,756 |
| Return on assets (ROA) | 0.5906% | 4,225 |
| Pretax return on assets | 0.7907% | 4,013 |
| Return on Equity (ROE) | 6.9224% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.8595% | 2,101 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7065% | 2,931 |
| Assets per employee ($millions) | 9.0010% | 329 |
| Cash dividends to net income (ytd only)* | 15.3553% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 3,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.7859% | 5,489 |
| Net loans and leases to deposits | 57.9518% | 5,700 |
| Net loans and leases to core deposits | 58.0309% | 5,995 |
| Total domestic deposits to total assets | 87.6347% | 2,380 |
| Equity capital to assets | 8.8592% | 5,723 |
| Core capital (leverage) ratio | 8.4983% | 5,564 |
| Tier 1 risk-based capital ratio | 12.0099% | 5,829 |
| Total risk-based capital ratio | 13.2056% | 5,837 |
| Memoranda: | ||
| Average total assets | $533,674,200 | 1,249 |
| Average earning assets | $494,433,400 | 1,225 |
| Average equity | $45,533,200 | 1,495 |
| Average total loans | $246,861,600 | 1,693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2383% | 7,194 |
| Cost of funding earning assets | 0.2439% | 7,283 |
| Net interest margin | 2.9945% | 6,592 |
| Noninterest income to average assets | 0.3657% | 4,944 |
| Noninterest expense to average assets | 2.4657% | 5,571 |
| Loan and lease loss provision to assets | 0.1447% | 4,636 |
| Net operating income to assets | 0.3559% | 5,180 |
| Return on assets (ROA) | 0.5561% | 4,464 |
| Pretax return on assets | 0.8244% | 4,040 |
| Return on Equity (ROE) | 6.5858% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.2542% | 3,027 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6258% | 2,458 |
| Assets per employee ($millions) | 9.5447% | 284 |
| Cash dividends to net income (ytd only)* | 20.2190% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 44.5703% | 6,275 |
| Net loans and leases to deposits | 50.0641% | 6,497 |
| Net loans and leases to core deposits | 50.2477% | 6,659 |
| Total domestic deposits to total assets | 89.0264% | 1,421 |
| Equity capital to assets | 8.8090% | 5,973 |
| Core capital (leverage) ratio | 8.7081% | 5,400 |
| Tier 1 risk-based capital ratio | 13.0073% | 5,092 |
| Total risk-based capital ratio | 14.1945% | 5,109 |
| Memoranda: | ||
| Average total assets | $525,327,500 | 1,276 |
| Average earning assets | $485,997,000 | 1,261 |
| Average equity | $44,357,250 | 1,533 |
| Average total loans | $235,430,250 | 1,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2773% | 7,261 |
| Cost of funding earning assets | 0.2646% | 7,348 |
| Net interest margin | 3.0127% | 6,582 |
| Noninterest income to average assets | 0.3694% | 4,924 |
| Noninterest expense to average assets | 2.5320% | 5,428 |
| Loan and lease loss provision to assets | 0.2087% | 3,832 |
| Net operating income to assets | 0.2910% | 5,401 |
| Return on assets (ROA) | 0.5566% | 4,404 |
| Pretax return on assets | 0.8078% | 3,994 |
| Return on Equity (ROE) | 6.6984% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.4310% | 2,723 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0370% | 2,385 |
| Assets per employee ($millions) | 8.7708% | 352 |
| Cash dividends to net income (ytd only)* | 18.9208% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 44.4923% | 6,390 |
| Net loans and leases to deposits | 48.9617% | 6,670 |
| Net loans and leases to core deposits | 49.6821% | 6,771 |
| Total domestic deposits to total assets | 90.8716% | 556 |
| Equity capital to assets | 8.2501% | 6,469 |
| Core capital (leverage) ratio | 8.0931% | 6,173 |
| Tier 1 risk-based capital ratio | 11.8627% | 5,890 |
| Total risk-based capital ratio | 13.1034% | 5,873 |
| Memoranda: | ||
| Average total assets | $512,723,330 | 1,316 |
| Average earning assets | $475,518,330 | 1,295 |
| Average equity | $42,607,330 | 1,566 |
| Average total loans | $228,897,670 | 1,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 7,343 |
| Cost of funding earning assets | 0.2599% | 7,426 |
| Net interest margin | 2.9253% | 6,715 |
| Noninterest income to average assets | 0.3977% | 4,716 |
| Noninterest expense to average assets | 2.4903% | 5,582 |
| Loan and lease loss provision to assets | 0.2308% | 3,343 |
| Net operating income to assets | 0.2974% | 5,420 |
| Return on assets (ROA) | 0.4704% | 4,698 |
| Pretax return on assets | 0.6491% | 4,491 |
| Return on Equity (ROE) | 5.6394% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.3599% | 3,551 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5655% | 2,610 |
| Assets per employee ($millions) | 8.6380% | 374 |
| Cash dividends to net income (ytd only)* | 22.6891% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 3,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.7135% | 6,406 |
| Net loans and leases to deposits | 49.4310% | 6,659 |
| Net loans and leases to core deposits | 50.2230% | 6,763 |
| Total domestic deposits to total assets | 90.4564% | 867 |
| Equity capital to assets | 8.3049% | 6,155 |
| Core capital (leverage) ratio | 8.2377% | 5,923 |
| Tier 1 risk-based capital ratio | 11.7043% | 5,937 |
| Total risk-based capital ratio | 12.8933% | 5,975 |
| Memoranda: | ||
| Average total assets | $505,962,000 | 1,331 |
| Average earning assets | $472,567,500 | 1,308 |
| Average equity | $42,203,000 | 1,575 |
| Average total loans | $224,277,000 | 1,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 7,383 |
| Cost of funding earning assets | 0.2934% | 7,511 |
| Net interest margin | 3.2139% | 6,237 |
| Noninterest income to average assets | 0.2356% | 6,115 |
| Noninterest expense to average assets | 2.5620% | 5,571 |
| Loan and lease loss provision to assets | 0.2692% | 4,653 |
| Net operating income to assets | 0.3352% | 4,804 |
| Return on assets (ROA) | 0.3874% | 4,743 |
| Pretax return on assets | 0.5518% | 4,471 |
| Return on Equity (ROE) | 4.2428% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.9797% | 3,767 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4398% | 2,802 |
| Assets per employee ($millions) | 8.8120% | 363 |
| Cash dividends to net income (ytd only)* | 29.7701% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 42.4967% | 6,821 |
| Net loans and leases to deposits | 48.3637% | 6,933 |
| Net loans and leases to core deposits | 48.9743% | 7,021 |
| Total domestic deposits to total assets | 87.8690% | 2,330 |
| Equity capital to assets | 8.3779% | 6,036 |
| Core capital (leverage) ratio | 8.1097% | 5,995 |
| Tier 1 risk-based capital ratio | 12.2179% | 5,284 |
| Total risk-based capital ratio | 13.3777% | 5,338 |
| Memoranda: | ||
| Average total assets | $449,109,400 | 1,482 |
| Average earning assets | $429,388,400 | 1,408 |
| Average equity | $41,010,600 | 1,613 |
| Average total loans | $184,632,800 | 2,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 7,489 |
| Cost of funding earning assets | 0.2992% | 7,638 |
| Net interest margin | 3.3070% | 5,996 |
| Noninterest income to average assets | 0.2114% | 6,401 |
| Noninterest expense to average assets | 2.6038% | 5,314 |
| Loan and lease loss provision to assets | 0.2481% | 4,607 |
| Net operating income to assets | 0.3060% | 5,140 |
| Return on assets (ROA) | 0.3426% | 5,172 |
| Pretax return on assets | 0.5822% | 4,657 |
| Return on Equity (ROE) | 3.6652% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.4118% | 4,732 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1064% | 2,752 |
| Assets per employee ($millions) | 9.0931% | 338 |
| Cash dividends to net income (ytd only)* | 34.1961% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.7440% | 7,089 |
| Net loans and leases to deposits | 44.0508% | 7,239 |
| Net loans and leases to core deposits | 44.9729% | 7,290 |
| Total domestic deposits to total assets | 90.2231% | 765 |
| Equity capital to assets | 8.2981% | 6,510 |
| Core capital (leverage) ratio | 8.1174% | 6,171 |
| Tier 1 risk-based capital ratio | 12.9072% | 4,646 |
| Total risk-based capital ratio | 14.0181% | 4,736 |
| Memoranda: | ||
| Average total assets | $435,815,750 | 1,557 |
| Average earning assets | $417,163,250 | 1,477 |
| Average equity | $40,743,000 | 1,627 |
| Average total loans | $176,561,250 | 2,429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 7,552 |
| Cost of funding earning assets | 0.2938% | 7,715 |
| Net interest margin | 3.3591% | 5,802 |
| Noninterest income to average assets | 0.1955% | 6,499 |
| Noninterest expense to average assets | 2.6890% | 4,954 |
| Loan and lease loss provision to assets | 0.2147% | 4,744 |
| Net operating income to assets | 0.2868% | 5,231 |
| Return on assets (ROA) | 0.3435% | 5,167 |
| Pretax return on assets | 0.5908% | 4,591 |
| Return on Equity (ROE) | 3.5197% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.3023% | 4,693 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9533% | 2,580 |
| Assets per employee ($millions) | 8.5984% | 395 |
| Cash dividends to net income (ytd only)* | 34.5886% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.3284% | 7,252 |
| Net loans and leases to deposits | 42.3600% | 7,385 |
| Net loans and leases to core deposits | 43.2624% | 7,421 |
| Total domestic deposits to total assets | 90.4826% | 689 |
| Equity capital to assets | 8.9049% | 5,595 |
| Core capital (leverage) ratio | 9.0121% | 4,581 |
| Tier 1 risk-based capital ratio | 13.9864% | 3,739 |
| Total risk-based capital ratio | 15.0752% | 3,822 |
| Memoranda: | ||
| Average total assets | $417,412,000 | 1,631 |
| Average earning assets | $398,912,330 | 1,556 |
| Average equity | $40,742,000 | 1,622 |
| Average total loans | $169,341,330 | 2,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 7,524 |
| Cost of funding earning assets | 0.2879% | 7,823 |
| Net interest margin | 3.6082% | 4,691 |
| Noninterest income to average assets | 0.1949% | 6,567 |
| Noninterest expense to average assets | 2.7800% | 4,560 |
| Loan and lease loss provision to assets | 0.0579% | 6,077 |
| Net operating income to assets | 0.4729% | 4,523 |
| Return on assets (ROA) | 0.4742% | 4,646 |
| Pretax return on assets | 0.8072% | 3,836 |
| Return on Equity (ROE) | 4.6192% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.5015% | 4,049 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3099% | 3,166 |
| Assets per employee ($millions) | 7.9234% | 531 |
| Cash dividends to net income (ytd only)* | 24.1970% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.4453% | 7,225 |
| Net loans and leases to deposits | 45.9701% | 7,332 |
| Net loans and leases to core deposits | 46.6603% | 7,408 |
| Total domestic deposits to total assets | 87.9818% | 2,073 |
| Equity capital to assets | 10.1516% | 3,666 |
| Core capital (leverage) ratio | 10.0735% | 3,072 |
| Tier 1 risk-based capital ratio | 15.4940% | 2,872 |
| Total risk-based capital ratio | 16.5323% | 2,928 |
| Memoranda: | ||
| Average total assets | $393,960,000 | 1,751 |
| Average earning assets | $376,472,500 | 1,680 |
| Average equity | $40,439,500 | 1,656 |
| Average total loans | $163,677,500 | 2,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 7,604 |
| Cost of funding earning assets | 0.3232% | 7,892 |
| Net interest margin | 3.8794% | 3,353 |
| Noninterest income to average assets | 0.2343% | 6,439 |
| Noninterest expense to average assets | 3.2878% | 3,049 |
| Loan and lease loss provision to assets | 0.2301% | 5,531 |
| Net operating income to assets | 0.5945% | 3,352 |
| Return on assets (ROA) | 0.6437% | 3,220 |
| Pretax return on assets | 0.4484% | 4,357 |
| Return on Equity (ROE) | 6.0991% | 3,173 |
| Retained earnings to average equity (ytd only) | 5.5509% | 1,552 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9344% | 2,360 |
| Assets per employee ($millions) | 8.1665% | 480 |
| Cash dividends to net income (ytd only)* | 8.9871% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.5159% | 7,273 |
| Net loans and leases to deposits | 47.0210% | 7,397 |
| Net loans and leases to core deposits | 48.2775% | 7,624 |
| Total domestic deposits to total assets | 88.2924% | 1,826 |
| Equity capital to assets | 10.3841% | 3,307 |
| Core capital (leverage) ratio | 10.0216% | 3,067 |
| Tier 1 risk-based capital ratio | 15.9901% | 2,528 |
| Total risk-based capital ratio | 17.0257% | 2,547 |
| Memoranda: | ||
| Average total assets | $312,881,600 | 2,146 |
| Average earning assets | $297,033,400 | 2,095 |
| Average equity | $33,021,400 | 2,029 |
| Average total loans | $137,121,400 | 3,134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 7,733 |
| Cost of funding earning assets | 0.3195% | 7,995 |
| Net interest margin | 3.8579% | 3,396 |
| Noninterest income to average assets | 0.2123% | 6,711 |
| Noninterest expense to average assets | 3.4292% | 2,483 |
| Loan and lease loss provision to assets | 0.1757% | 5,603 |
| Net operating income to assets | 0.4477% | 4,205 |
| Return on assets (ROA) | 0.4938% | 4,108 |
| Pretax return on assets | 0.3022% | 5,057 |
| Return on Equity (ROE) | 4.6541% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.1388% | 2,968 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8148% | 1,791 |
| Assets per employee ($millions) | 7.7819% | 559 |
| Cash dividends to net income (ytd only)* | 11.0705% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 37.2342% | 7,580 |
| Net loans and leases to deposits | 41.3124% | 7,689 |
| Net loans and leases to core deposits | 42.0734% | 7,825 |
| Total domestic deposits to total assets | 90.1282% | 721 |
| Equity capital to assets | 9.0513% | 5,412 |
| Core capital (leverage) ratio | 9.4074% | 4,038 |
| Tier 1 risk-based capital ratio | 14.9579% | 3,060 |
| Total risk-based capital ratio | 15.9770% | 3,117 |
| Memoranda: | ||
| Average total assets | $295,145,500 | 2,263 |
| Average earning assets | $279,141,000 | 2,203 |
| Average equity | $31,312,500 | 2,161 |
| Average total loans | $131,000,500 | 3,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 7,773 |
| Cost of funding earning assets | 0.3335% | 8,087 |
| Net interest margin | 3.9782% | 2,797 |
| Noninterest income to average assets | 0.2327% | 6,616 |
| Noninterest expense to average assets | 3.7296% | 1,778 |
| Loan and lease loss provision to assets | 0.1178% | 5,954 |
| Net operating income to assets | 0.2842% | 4,969 |
| Return on assets (ROA) | 0.3593% | 4,765 |
| Pretax return on assets | 0.2106% | 5,441 |
| Return on Equity (ROE) | 3.1776% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.7804% | 3,782 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6402% | 1,525 |
| Assets per employee ($millions) | 7.0347% | 765 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 4,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.3684% | 7,367 |
| Net loans and leases to deposits | 48.7996% | 7,536 |
| Net loans and leases to core deposits | 49.2212% | 7,773 |
| Total domestic deposits to total assets | 88.8704% | 1,335 |
| Equity capital to assets | 10.5593% | 3,330 |
| Core capital (leverage) ratio | 10.9890% | 2,404 |
| Tier 1 risk-based capital ratio | 15.4172% | 2,854 |
| Total risk-based capital ratio | 16.3705% | 2,906 |
| Memoranda: | ||
| Average total assets | $271,610,670 | 2,432 |
| Average earning assets | $256,043,000 | 2,391 |
| Average equity | $30,715,000 | 2,217 |
| Average total loans | $128,631,330 | 3,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 7,802 |
| Cost of funding earning assets | 0.3432% | 8,150 |
| Net interest margin | 4.0503% | 2,454 |
| Noninterest income to average assets | 0.2201% | 6,714 |
| Noninterest expense to average assets | 3.8044% | 1,464 |
| Loan and lease loss provision to assets | 0.0507% | 6,335 |
| Net operating income to assets | 0.1757% | 5,730 |
| Return on assets (ROA) | 0.1757% | 5,904 |
| Pretax return on assets | 0.1583% | 6,032 |
| Return on Equity (ROE) | 1.4934% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.4934% | 5,013 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7929% | 1,391 |
| Assets per employee ($millions) | 5.9466% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 4,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.6518% | 7,052 |
| Net loans and leases to deposits | 55.0392% | 7,218 |
| Net loans and leases to core deposits | 55.7188% | 7,631 |
| Total domestic deposits to total assets | 86.5780% | 2,411 |
| Equity capital to assets | 12.2858% | 2,082 |
| Core capital (leverage) ratio | 12.0294% | 1,890 |
| Tier 1 risk-based capital ratio | 16.5709% | 2,490 |
| Total risk-based capital ratio | 17.5447% | 2,529 |
| Memoranda: | ||
| Average total assets | $252,652,500 | 2,617 |
| Average earning assets | $236,625,000 | 2,562 |
| Average equity | $29,730,500 | 2,300 |
| Average total loans | $124,981,000 | 3,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 7,978 |
| Cost of funding earning assets | 0.6967% | 8,150 |
| Net interest margin | 4.0036% | 3,091 |
| Noninterest income to average assets | 0.2690% | 6,531 |
| Noninterest expense to average assets | 3.9863% | 1,440 |
| Loan and lease loss provision to assets | 0.3070% | 3,918 |
| Net operating income to assets | -0.1880% | 6,610 |
| Return on assets (ROA) | -0.1801% | 6,445 |
| Pretax return on assets | -0.2984% | 6,462 |
| Return on Equity (ROE) | -1.4461% | 6,423 |
| Retained earnings to average equity (ytd only) | -1.4461% | 5,721 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0955% | 979 |
| Assets per employee ($millions) | 6.0913% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.1443% | 7,017 |
| Net loans and leases to deposits | 56.7726% | 7,277 |
| Net loans and leases to core deposits | 57.6227% | 7,683 |
| Total domestic deposits to total assets | 88.3248% | 1,327 |
| Equity capital to assets | 11.2106% | 2,876 |
| Core capital (leverage) ratio | 10.9862% | 2,601 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,158 |
| Total risk-based capital ratio | 15.7797% | 3,202 |
| Memoranda: | ||
| Average total assets | $210,446,200 | 3,003 |
| Average earning assets | $195,201,600 | 2,957 |
| Average equity | $26,207,800 | 2,538 |
| Average total loans | $92,880,000 | 4,137 |