Home > Alliance Bank > Performance and Condition Ratios
Alliance Bank, Performance and Condition Ratios
| 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 | 3.7770% | 5,886 |
| Cost of funding earning assets | 0.6364% | 4,036 |
| Net interest margin | 3.1405% | 5,722 |
| Noninterest income to average assets | 1.3286% | 876 |
| Noninterest expense to average assets | 3.2833% | 2,385 |
| Loan and lease loss provision to assets | -0.0212% | 6,836 |
| Net operating income to assets | 0.6901% | 3,783 |
| Return on assets (ROA) | 0.6901% | 4,045 |
| Pretax return on assets | 0.8997% | 3,924 |
| Return on Equity (ROE) | 5.9918% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.2315% | 3,947 |
| Net charge-offs to loans | 0.2117% | 3,694 |
| Credit loss provision to net charge-offs | -15.8061% | 6,228 |
| Earnings coverage of net charge-offs (x) | 6.5516% | 2,791 |
| Efficiency ratio | 77.4194% | 2,528 |
| Assets per employee ($millions) | 4.2415% | 3,476 |
| Cash dividends to net income (ytd only)* | 46.0688% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,219 |
| Loan loss allowance to noncurrent loans | 178.4138% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 5,500 |
| Noncurrent loans to loans | 0.5162% | 5,239 |
| Net loans and leases to total assets | 65.6836% | 2,579 |
| Net loans and leases to deposits | 83.9923% | 1,755 |
| Net loans and leases to core deposits | 89.0898% | 1,952 |
| Total domestic deposits to total assets | 78.2020% | 6,049 |
| Equity capital to assets | 11.7533% | 2,221 |
| Core capital (leverage) ratio | 8.9060% | 5,036 |
| Tier 1 risk-based capital ratio | 13.7941% | 4,538 |
| Total risk-based capital ratio | 14.7552% | 4,701 |
| Memoranda: | ||
| Average total assets | $1,415,459,000 | 477 |
| Average earning assets | $1,276,942,200 | 474 |
| Average equity | $163,022,600 | 459 |
| Average total loans | $896,372,800 | 459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 5,991 |
| Cost of funding earning assets | 0.6605% | 4,097 |
| Net interest margin | 3.1547% | 5,814 |
| Noninterest income to average assets | 1.2824% | 902 |
| Noninterest expense to average assets | 3.1614% | 2,675 |
| Loan and lease loss provision to assets | -0.0282% | 6,972 |
| Net operating income to assets | 0.7883% | 3,511 |
| Return on assets (ROA) | 0.7883% | 3,752 |
| Pretax return on assets | 0.9975% | 3,726 |
| Return on Equity (ROE) | 6.8796% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.1879% | 4,626 |
| Net charge-offs to loans | 0.2983% | 2,948 |
| Credit loss provision to net charge-offs | -15.1057% | 6,112 |
| Earnings coverage of net charge-offs (x) | 5.1919% | 3,080 |
| Efficiency ratio | 75.0211% | 2,823 |
| Assets per employee ($millions) | 4.2403% | 3,387 |
| Cash dividends to net income (ytd only)* | 53.6609% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,280 |
| Loan loss allowance to noncurrent loans | 206.7008% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 5,805 |
| Noncurrent loans to loans | 0.4525% | 5,545 |
| Net loans and leases to total assets | 62.3179% | 3,331 |
| Net loans and leases to deposits | 79.3657% | 2,488 |
| Net loans and leases to core deposits | 84.7879% | 2,605 |
| Total domestic deposits to total assets | 78.5198% | 5,960 |
| Equity capital to assets | 11.4462% | 2,808 |
| Core capital (leverage) ratio | 8.8607% | 5,252 |
| Tier 1 risk-based capital ratio | 13.9594% | 4,560 |
| Total risk-based capital ratio | 14.9364% | 4,713 |
| Memoranda: | ||
| Average total assets | $1,418,338,000 | 473 |
| Average earning assets | $1,280,552,750 | 474 |
| Average equity | $162,525,750 | 456 |
| Average total loans | $887,783,000 | 462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 5,966 |
| Cost of funding earning assets | 0.7057% | 3,966 |
| Net interest margin | 3.1707% | 5,820 |
| Noninterest income to average assets | 1.2822% | 865 |
| Noninterest expense to average assets | 3.1071% | 2,905 |
| Loan and lease loss provision to assets | -0.0425% | 7,068 |
| Net operating income to assets | 0.8400% | 3,199 |
| Return on assets (ROA) | 0.8400% | 3,464 |
| Pretax return on assets | 1.0787% | 3,380 |
| Return on Equity (ROE) | 7.3274% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.6167% | 4,189 |
| Net charge-offs to loans | 0.3578% | 2,585 |
| Credit loss provision to net charge-offs | -19.0235% | 5,942 |
| Earnings coverage of net charge-offs (x) | 4.6341% | 3,031 |
| Efficiency ratio | 73.4755% | 3,164 |
| Assets per employee ($millions) | 4.1821% | 3,493 |
| Cash dividends to net income (ytd only)* | 50.6415% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,204 |
| Loan loss allowance to noncurrent loans | 133.5135% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 5,583 |
| Noncurrent loans to loans | 0.7402% | 5,030 |
| Net loans and leases to total assets | 62.8359% | 3,267 |
| Net loans and leases to deposits | 80.1075% | 2,366 |
| Net loans and leases to core deposits | 85.7695% | 2,460 |
| Total domestic deposits to total assets | 78.4394% | 6,073 |
| Equity capital to assets | 11.5214% | 2,570 |
| Core capital (leverage) ratio | 8.8050% | 5,205 |
| Tier 1 risk-based capital ratio | 13.8633% | 4,545 |
| Total risk-based capital ratio | 14.8886% | 4,682 |
| Memoranda: | ||
| Average total assets | $1,410,554,670 | 475 |
| Average earning assets | $1,272,852,670 | 477 |
| Average equity | $161,695,000 | 455 |
| Average total loans | $881,406,670 | 467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 5,966 |
| Cost of funding earning assets | 0.7710% | 3,692 |
| Net interest margin | 3.1510% | 5,907 |
| Noninterest income to average assets | 1.2791% | 866 |
| Noninterest expense to average assets | 3.0980% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8020% | 3,366 |
| Return on assets (ROA) | 0.8020% | 3,602 |
| Pretax return on assets | 1.0266% | 3,586 |
| Return on Equity (ROE) | 7.0143% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.2846% | 4,599 |
| Net charge-offs to loans | 0.6471% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.5592% | 3,144 |
| Efficiency ratio | 73.5801% | 3,160 |
| Assets per employee ($millions) | 4.2612% | 3,473 |
| Cash dividends to net income (ytd only)* | 53.1726% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,984 |
| Loan loss allowance to noncurrent loans | 104.9574% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 5,252 |
| Noncurrent loans to loans | 1.0242% | 4,634 |
| Net loans and leases to total assets | 61.0576% | 3,437 |
| Net loans and leases to deposits | 77.8437% | 2,542 |
| Net loans and leases to core deposits | 82.5627% | 2,753 |
| Total domestic deposits to total assets | 78.4362% | 6,204 |
| Equity capital to assets | 11.4479% | 2,485 |
| Core capital (leverage) ratio | 8.6841% | 5,323 |
| Tier 1 risk-based capital ratio | 14.0980% | 4,400 |
| Total risk-based capital ratio | 15.2095% | 4,466 |
| Memoranda: | ||
| Average total assets | $1,406,966,000 | 475 |
| Average earning assets | $1,270,584,500 | 480 |
| Average equity | $160,871,000 | 457 |
| Average total loans | $872,242,000 | 470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 5,830 |
| Cost of funding earning assets | 0.9071% | 4,070 |
| Net interest margin | 3.3701% | 5,578 |
| Noninterest income to average assets | 1.2650% | 810 |
| Noninterest expense to average assets | 2.9624% | 3,733 |
| Loan and lease loss provision to assets | 0.1324% | 4,958 |
| Net operating income to assets | 0.9238% | 2,512 |
| Return on assets (ROA) | 0.9936% | 2,364 |
| Pretax return on assets | 1.3065% | 2,100 |
| Return on Equity (ROE) | 9.2181% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.3593% | 2,401 |
| Net charge-offs to loans | 0.2067% | 4,507 |
| Credit loss provision to net charge-offs | 104.7149% | 3,271 |
| Earnings coverage of net charge-offs (x) | 10.6535% | 1,812 |
| Efficiency ratio | 67.2243% | 4,534 |
| Assets per employee ($millions) | 4.2789% | 3,306 |
| Cash dividends to net income (ytd only)* | 41.8614% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,253 |
| Loan loss allowance to noncurrent loans | 95.4106% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 4,944 |
| Noncurrent loans to loans | 1.2915% | 4,216 |
| Net loans and leases to total assets | 61.5020% | 3,691 |
| Net loans and leases to deposits | 79.2981% | 2,642 |
| Net loans and leases to core deposits | 87.3641% | 2,453 |
| Total domestic deposits to total assets | 77.5579% | 6,266 |
| Equity capital to assets | 11.4198% | 2,577 |
| Core capital (leverage) ratio | 8.4960% | 5,567 |
| Tier 1 risk-based capital ratio | 13.7978% | 4,481 |
| Total risk-based capital ratio | 15.0538% | 4,436 |
| Memoranda: | ||
| Average total assets | $1,442,595,600 | 465 |
| Average earning assets | $1,303,185,600 | 458 |
| Average equity | $155,487,200 | 452 |
| Average total loans | $882,585,000 | 473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 5,788 |
| Cost of funding earning assets | 0.9199% | 4,273 |
| Net interest margin | 3.4269% | 5,477 |
| Noninterest income to average assets | 1.2301% | 864 |
| Noninterest expense to average assets | 2.9669% | 3,681 |
| Loan and lease loss provision to assets | 0.1019% | 5,169 |
| Net operating income to assets | 0.9477% | 2,540 |
| Return on assets (ROA) | 1.0389% | 2,336 |
| Pretax return on assets | 1.3807% | 2,000 |
| Return on Equity (ROE) | 9.7796% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.8909% | 2,622 |
| Net charge-offs to loans | 0.0752% | 5,213 |
| Credit loss provision to net charge-offs | 222.4449% | 1,283 |
| Earnings coverage of net charge-offs (x) | 29.7093% | 943 |
| Efficiency ratio | 67.0223% | 4,519 |
| Assets per employee ($millions) | 3.8968% | 4,078 |
| Cash dividends to net income (ytd only)* | 39.7632% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 5,050 |
| Loan loss allowance to noncurrent loans | 92.6345% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 4,934 |
| Noncurrent loans to loans | 1.3938% | 4,207 |
| Net loans and leases to total assets | 60.5390% | 4,036 |
| Net loans and leases to deposits | 77.5718% | 3,075 |
| Net loans and leases to core deposits | 85.8149% | 2,798 |
| Total domestic deposits to total assets | 78.0424% | 6,184 |
| Equity capital to assets | 11.2154% | 2,952 |
| Core capital (leverage) ratio | 8.2498% | 6,057 |
| Tier 1 risk-based capital ratio | 13.5778% | 4,678 |
| Total risk-based capital ratio | 14.8355% | 4,639 |
| Memoranda: | ||
| Average total assets | $1,452,374,250 | 461 |
| Average earning assets | $1,312,866,750 | 461 |
| Average equity | $154,290,250 | 461 |
| Average total loans | $884,746,750 | 477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 5,841 |
| Cost of funding earning assets | 0.9315% | 4,446 |
| Net interest margin | 3.4212% | 5,473 |
| Noninterest income to average assets | 1.2054% | 880 |
| Noninterest expense to average assets | 2.9774% | 3,727 |
| Loan and lease loss provision to assets | 0.0493% | 5,695 |
| Net operating income to assets | 0.9482% | 2,444 |
| Return on assets (ROA) | 0.9482% | 2,536 |
| Pretax return on assets | 1.2716% | 2,235 |
| Return on Equity (ROE) | 9.0905% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.1535% | 2,908 |
| Net charge-offs to loans | 0.0811% | 4,831 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 26.8056% | 1,005 |
| Efficiency ratio | 67.7367% | 4,566 |
| Assets per employee ($millions) | 4.4808% | 2,875 |
| Cash dividends to net income (ytd only)* | 43.3088% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,508 |
| Loan loss allowance to noncurrent loans | 128.0935% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 5,663 |
| Noncurrent loans to loans | 0.9433% | 5,091 |
| Net loans and leases to total assets | 59.4274% | 4,393 |
| Net loans and leases to deposits | 78.3124% | 3,074 |
| Net loans and leases to core deposits | 87.2953% | 2,726 |
| Total domestic deposits to total assets | 75.8850% | 6,613 |
| Equity capital to assets | 10.6387% | 3,345 |
| Core capital (leverage) ratio | 7.9389% | 6,369 |
| Tier 1 risk-based capital ratio | 13.1242% | 4,819 |
| Total risk-based capital ratio | 14.3684% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,461,094,330 | 466 |
| Average earning assets | $1,320,900,670 | 467 |
| Average equity | $152,401,670 | 467 |
| Average total loans | $888,092,670 | 482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 5,900 |
| Cost of funding earning assets | 0.9491% | 4,576 |
| Net interest margin | 3.3852% | 5,482 |
| Noninterest income to average assets | 1.2142% | 863 |
| Noninterest expense to average assets | 3.0291% | 3,523 |
| Loan and lease loss provision to assets | 0.0549% | 5,318 |
| Net operating income to assets | 0.8899% | 2,614 |
| Return on assets (ROA) | 0.8899% | 2,677 |
| Pretax return on assets | 1.1875% | 2,426 |
| Return on Equity (ROE) | 8.6183% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.6296% | 3,412 |
| Net charge-offs to loans | 0.0921% | 4,019 |
| Credit loss provision to net charge-offs | 97.5610% | 2,798 |
| Earnings coverage of net charge-offs (x) | 22.0732% | 1,063 |
| Efficiency ratio | 69.3643% | 4,405 |
| Assets per employee ($millions) | 4.5201% | 2,854 |
| Cash dividends to net income (ytd only)* | 46.2820% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 5,558 |
| Loan loss allowance to noncurrent loans | 132.4650% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 5,782 |
| Noncurrent loans to loans | 0.9174% | 5,203 |
| Net loans and leases to total assets | 59.2711% | 4,408 |
| Net loans and leases to deposits | 74.3476% | 3,709 |
| Net loans and leases to core deposits | 82.5267% | 3,376 |
| Total domestic deposits to total assets | 79.7217% | 6,014 |
| Equity capital to assets | 10.3263% | 3,380 |
| Core capital (leverage) ratio | 7.7913% | 6,471 |
| Tier 1 risk-based capital ratio | 12.9043% | 4,892 |
| Total risk-based capital ratio | 14.1518% | 4,886 |
| Memoranda: | ||
| Average total assets | $1,456,794,000 | 470 |
| Average earning assets | $1,315,714,000 | 474 |
| Average equity | $150,424,000 | 469 |
| Average total loans | $890,097,000 | 489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 5,937 |
| Cost of funding earning assets | 1.1891% | 4,627 |
| Net interest margin | 3.4663% | 5,379 |
| Noninterest income to average assets | 1.2433% | 971 |
| Noninterest expense to average assets | 2.9896% | 3,888 |
| Loan and lease loss provision to assets | 0.2842% | 4,527 |
| Net operating income to assets | 0.8357% | 2,646 |
| Return on assets (ROA) | 0.8523% | 2,718 |
| Pretax return on assets | 1.1165% | 2,519 |
| Return on Equity (ROE) | 8.3195% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.2631% | 2,268 |
| Net charge-offs to loans | 0.3101% | 4,466 |
| Credit loss provision to net charge-offs | 145.0639% | 2,551 |
| Earnings coverage of net charge-offs (x) | 7.0373% | 2,213 |
| Efficiency ratio | 66.8100% | 4,798 |
| Assets per employee ($millions) | 4.2745% | 3,256 |
| Cash dividends to net income (ytd only)* | 36.7377% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,589 |
| Loan loss allowance to noncurrent loans | 125.7859% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 5,745 |
| Noncurrent loans to loans | 0.9421% | 5,161 |
| Net loans and leases to total assets | 61.4737% | 4,400 |
| Net loans and leases to deposits | 78.2325% | 3,477 |
| Net loans and leases to core deposits | 86.8335% | 3,212 |
| Total domestic deposits to total assets | 78.5782% | 6,197 |
| Equity capital to assets | 10.3251% | 3,357 |
| Core capital (leverage) ratio | 7.7234% | 6,523 |
| Tier 1 risk-based capital ratio | 12.5569% | 4,969 |
| Total risk-based capital ratio | 13.7935% | 4,977 |
| Memoranda: | ||
| Average total assets | $1,437,120,400 | 469 |
| Average earning assets | $1,295,725,400 | 471 |
| Average equity | $147,232,600 | 465 |
| Average total loans | $908,169,600 | 493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 5,907 |
| Cost of funding earning assets | 1.2345% | 4,660 |
| Net interest margin | 3.4975% | 5,300 |
| Noninterest income to average assets | 1.2246% | 924 |
| Noninterest expense to average assets | 2.9802% | 3,822 |
| Loan and lease loss provision to assets | 0.3054% | 4,132 |
| Net operating income to assets | 0.8427% | 2,832 |
| Return on assets (ROA) | 0.8652% | 2,894 |
| Pretax return on assets | 1.1235% | 2,757 |
| Return on Equity (ROE) | 8.4615% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.7338% | 2,522 |
| Net charge-offs to loans | 0.3272% | 4,028 |
| Credit loss provision to net charge-offs | 147.1115% | 2,666 |
| Earnings coverage of net charge-offs (x) | 6.7425% | 2,464 |
| Efficiency ratio | 66.3865% | 4,775 |
| Assets per employee ($millions) | 4.2583% | 3,334 |
| Cash dividends to net income (ytd only)* | 32.2373% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,669 |
| Loan loss allowance to noncurrent loans | 134.3172% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 5,976 |
| Noncurrent loans to loans | 0.8627% | 5,500 |
| Net loans and leases to total assets | 62.0285% | 4,526 |
| Net loans and leases to deposits | 79.1451% | 3,609 |
| Net loans and leases to core deposits | 87.5402% | 3,440 |
| Total domestic deposits to total assets | 78.3732% | 6,175 |
| Equity capital to assets | 10.5490% | 3,467 |
| Core capital (leverage) ratio | 7.6697% | 6,709 |
| Tier 1 risk-based capital ratio | 12.4720% | 5,012 |
| Total risk-based capital ratio | 13.6953% | 5,004 |
| Memoranda: | ||
| Average total assets | $1,434,134,250 | 467 |
| Average earning assets | $1,293,835,750 | 465 |
| Average equity | $146,636,500 | 464 |
| Average total loans | $909,842,750 | 492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 5,896 |
| Cost of funding earning assets | 1.2705% | 4,713 |
| Net interest margin | 3.4994% | 5,245 |
| Noninterest income to average assets | 1.2105% | 881 |
| Noninterest expense to average assets | 2.9621% | 3,845 |
| Loan and lease loss provision to assets | 0.3058% | 3,942 |
| Net operating income to assets | 0.8383% | 2,788 |
| Return on assets (ROA) | 0.8383% | 2,944 |
| Pretax return on assets | 1.1001% | 2,785 |
| Return on Equity (ROE) | 8.2868% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.2165% | 2,220 |
| Net charge-offs to loans | 0.2875% | 3,898 |
| Credit loss provision to net charge-offs | 167.0481% | 2,350 |
| Earnings coverage of net charge-offs (x) | 7.6804% | 2,260 |
| Efficiency ratio | 66.1520% | 4,955 |
| Assets per employee ($millions) | 4.2879% | 3,238 |
| Cash dividends to net income (ytd only)* | 24.9833% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,830 |
| Loan loss allowance to noncurrent loans | 106.3546% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 5,732 |
| Noncurrent loans to loans | 1.0567% | 5,202 |
| Net loans and leases to total assets | 62.4849% | 4,586 |
| Net loans and leases to deposits | 80.8288% | 3,461 |
| Net loans and leases to core deposits | 91.3951% | 3,076 |
| Total domestic deposits to total assets | 77.3053% | 6,431 |
| Equity capital to assets | 10.3473% | 3,588 |
| Core capital (leverage) ratio | 7.4816% | 6,837 |
| Tier 1 risk-based capital ratio | 12.1249% | 5,191 |
| Total risk-based capital ratio | 13.3169% | 5,220 |
| Memoranda: | ||
| Average total assets | $1,432,412,670 | 466 |
| Average earning assets | $1,292,454,000 | 464 |
| Average equity | $144,904,670 | 467 |
| Average total loans | $912,043,000 | 492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 5,839 |
| Cost of funding earning assets | 1.3029% | 4,795 |
| Net interest margin | 3.5119% | 5,109 |
| Noninterest income to average assets | 1.1840% | 871 |
| Noninterest expense to average assets | 2.9655% | 3,802 |
| Loan and lease loss provision to assets | 0.3076% | 3,582 |
| Net operating income to assets | 0.8306% | 2,833 |
| Return on assets (ROA) | 0.8306% | 2,929 |
| Pretax return on assets | 1.0767% | 2,816 |
| Return on Equity (ROE) | 8.3076% | 2,736 |
| Retained earnings to average equity (ytd only) | 4.0934% | 3,697 |
| Net charge-offs to loans | 0.3481% | 3,019 |
| Credit loss provision to net charge-offs | 138.2576% | 2,558 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,261 |
| Efficiency ratio | 66.4966% | 5,011 |
| Assets per employee ($millions) | 4.3715% | 3,174 |
| Cash dividends to net income (ytd only)* | 50.7271% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 6,133 |
| Loan loss allowance to noncurrent loans | 101.3349% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,794 |
| Noncurrent loans to loans | 1.0595% | 5,223 |
| Net loans and leases to total assets | 62.2532% | 4,708 |
| Net loans and leases to deposits | 78.9918% | 3,840 |
| Net loans and leases to core deposits | 88.7317% | 3,531 |
| Total domestic deposits to total assets | 78.8097% | 6,118 |
| Equity capital to assets | 9.9864% | 3,895 |
| Core capital (leverage) ratio | 7.3778% | 6,959 |
| Tier 1 risk-based capital ratio | 11.8541% | 5,339 |
| Total risk-based capital ratio | 12.9891% | 5,402 |
| Memoranda: | ||
| Average total assets | $1,423,966,500 | 482 |
| Average earning assets | $1,283,625,500 | 480 |
| Average equity | $142,375,000 | 479 |
| Average total loans | $910,119,500 | 515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 6,396 |
| Cost of funding earning assets | 1.5500% | 5,279 |
| Net interest margin | 3.4628% | 5,115 |
| Noninterest income to average assets | 1.2162% | 1,031 |
| Noninterest expense to average assets | 2.9399% | 4,385 |
| Loan and lease loss provision to assets | 0.4320% | 4,237 |
| Net operating income to assets | 0.7626% | 2,665 |
| Return on assets (ROA) | 0.8824% | 2,303 |
| Pretax return on assets | 1.1257% | 2,169 |
| Return on Equity (ROE) | 8.4194% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.3651% | 2,189 |
| Net charge-offs to loans | 0.6325% | 3,311 |
| Credit loss provision to net charge-offs | 104.3270% | 5,300 |
| Earnings coverage of net charge-offs (x) | 3.3911% | 3,366 |
| Efficiency ratio | 65.5239% | 5,485 |
| Assets per employee ($millions) | 4.1831% | 3,472 |
| Cash dividends to net income (ytd only)* | 48.1541% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,223 |
| Loan loss allowance to noncurrent loans | 109.6947% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,880 |
| Noncurrent loans to loans | 0.9377% | 5,438 |
| Net loans and leases to total assets | 64.2521% | 4,545 |
| Net loans and leases to deposits | 84.0195% | 3,269 |
| Net loans and leases to core deposits | 93.4023% | 4,739 |
| Total domestic deposits to total assets | 76.4728% | 6,593 |
| Equity capital to assets | 10.0108% | 3,753 |
| Core capital (leverage) ratio | 7.1443% | 7,118 |
| Tier 1 risk-based capital ratio | 11.4714% | 5,417 |
| Total risk-based capital ratio | 12.5535% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,412,051,400 | 482 |
| Average earning assets | $1,275,467,400 | 480 |
| Average equity | $147,991,200 | 455 |
| Average total loans | $924,439,200 | 516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 6,617 |
| Cost of funding earning assets | 1.6012% | 5,398 |
| Net interest margin | 3.3939% | 5,297 |
| Noninterest income to average assets | 1.2082% | 1,056 |
| Noninterest expense to average assets | 2.8944% | 4,475 |
| Loan and lease loss provision to assets | 0.4412% | 3,703 |
| Net operating income to assets | 0.7463% | 3,039 |
| Return on assets (ROA) | 0.8220% | 2,782 |
| Pretax return on assets | 1.0384% | 2,779 |
| Return on Equity (ROE) | 7.7562% | 2,745 |
| Retained earnings to average equity (ytd only) | 2.8579% | 3,733 |
| Net charge-offs to loans | 0.5510% | 3,031 |
| Credit loss provision to net charge-offs | 122.0627% | 4,154 |
| Earnings coverage of net charge-offs (x) | 3.8282% | 3,369 |
| Efficiency ratio | 65.3150% | 5,497 |
| Assets per employee ($millions) | 4.4184% | 2,997 |
| Cash dividends to net income (ytd only)* | 63.1531% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 5,858 |
| Loan loss allowance to noncurrent loans | 97.9924% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,712 |
| Noncurrent loans to loans | 1.0990% | 5,118 |
| Net loans and leases to total assets | 63.4193% | 4,987 |
| Net loans and leases to deposits | 84.4416% | 3,581 |
| Net loans and leases to core deposits | 93.8847% | 5,024 |
| Total domestic deposits to total assets | 75.1043% | 6,754 |
| Equity capital to assets | 9.7259% | 4,461 |
| Core capital (leverage) ratio | 6.9465% | 7,464 |
| Tier 1 risk-based capital ratio | 10.8385% | 6,117 |
| Total risk-based capital ratio | 11.9652% | 6,205 |
| Memoranda: | ||
| Average total assets | $1,412,635,500 | 496 |
| Average earning assets | $1,277,834,000 | 491 |
| Average equity | $149,708,000 | 462 |
| Average total loans | $926,752,750 | 531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 6,712 |
| Cost of funding earning assets | 1.6790% | 5,373 |
| Net interest margin | 3.3373% | 5,412 |
| Noninterest income to average assets | 1.1995% | 1,085 |
| Noninterest expense to average assets | 2.8812% | 4,574 |
| Loan and lease loss provision to assets | 0.5070% | 3,002 |
| Net operating income to assets | 0.6721% | 3,375 |
| Return on assets (ROA) | 0.7895% | 2,987 |
| Pretax return on assets | 0.9728% | 3,104 |
| Return on Equity (ROE) | 7.2438% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.0023% | 4,227 |
| Net charge-offs to loans | 0.6160% | 2,494 |
| Credit loss provision to net charge-offs | 124.4741% | 3,740 |
| Earnings coverage of net charge-offs (x) | 3.2773% | 3,503 |
| Efficiency ratio | 65.9440% | 5,553 |
| Assets per employee ($millions) | 4.2707% | 3,166 |
| Cash dividends to net income (ytd only)* | 72.3589% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,911 |
| Loan loss allowance to noncurrent loans | 129.5362% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 6,075 |
| Noncurrent loans to loans | 0.8104% | 5,605 |
| Net loans and leases to total assets | 64.7648% | 4,821 |
| Net loans and leases to deposits | 85.1116% | 3,709 |
| Net loans and leases to core deposits | 97.6797% | 4,730 |
| Total domestic deposits to total assets | 76.0940% | 6,523 |
| Equity capital to assets | 9.5254% | 4,581 |
| Core capital (leverage) ratio | 6.8697% | 7,620 |
| Tier 1 risk-based capital ratio | 10.5149% | 6,367 |
| Total risk-based capital ratio | 11.6146% | 6,452 |
| Memoranda: | ||
| Average total assets | $1,400,438,000 | 511 |
| Average earning assets | $1,265,890,670 | 509 |
| Average equity | $152,627,330 | 462 |
| Average total loans | $925,971,670 | 541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 6,707 |
| Cost of funding earning assets | 1.7876% | 5,174 |
| Net interest margin | 3.2927% | 5,518 |
| Noninterest income to average assets | 1.1596% | 1,090 |
| Noninterest expense to average assets | 2.7924% | 4,586 |
| Loan and lease loss provision to assets | 0.5061% | 2,448 |
| Net operating income to assets | 0.7023% | 3,549 |
| Return on assets (ROA) | 0.9488% | 2,649 |
| Pretax return on assets | 1.1313% | 2,867 |
| Return on Equity (ROE) | 8.1719% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.1719% | 1,746 |
| Net charge-offs to loans | 0.5238% | 2,145 |
| Credit loss provision to net charge-offs | 145.3488% | 2,841 |
| Earnings coverage of net charge-offs (x) | 3.8596% | 3,040 |
| Efficiency ratio | 65.0423% | 5,499 |
| Assets per employee ($millions) | 4.3022% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,825 |
| Loan loss allowance to noncurrent loans | 163.9973% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 6,195 |
| Noncurrent loans to loans | 0.6385% | 5,815 |
| Net loans and leases to total assets | 65.2098% | 4,765 |
| Net loans and leases to deposits | 88.7114% | 3,153 |
| Net loans and leases to core deposits | 99.7380% | 4,558 |
| Total domestic deposits to total assets | 73.5078% | 6,965 |
| Equity capital to assets | 11.5495% | 2,558 |
| Core capital (leverage) ratio | 9.0076% | 4,701 |
| Tier 1 risk-based capital ratio | 13.4730% | 3,884 |
| Total risk-based capital ratio | 14.5665% | 3,903 |
| Memoranda: | ||
| Average total assets | $1,383,184,000 | 515 |
| Average earning assets | $1,250,392,500 | 520 |
| Average equity | $160,599,000 | 441 |
| Average total loans | $919,358,000 | 549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 6,746 |
| Cost of funding earning assets | 2.4261% | 4,600 |
| Net interest margin | 3.2839% | 6,093 |
| Noninterest income to average assets | 1.3918% | 742 |
| Noninterest expense to average assets | 2.8486% | 4,610 |
| Loan and lease loss provision to assets | 0.4138% | 3,214 |
| Net operating income to assets | 0.8569% | 3,194 |
| Return on assets (ROA) | 0.8652% | 3,000 |
| Pretax return on assets | 1.0773% | 3,112 |
| Return on Equity (ROE) | 8.3028% | 2,945 |
| Retained earnings to average equity (ytd only) | 1.4469% | 4,353 |
| Net charge-offs to loans | 0.5263% | 2,261 |
| Credit loss provision to net charge-offs | 115.4185% | 4,674 |
| Earnings coverage of net charge-offs (x) | 4.1307% | 4,093 |
| Efficiency ratio | 63.2419% | 5,725 |
| Assets per employee ($millions) | 4.0705% | 3,370 |
| Cash dividends to net income (ytd only)* | 82.5728% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,995 |
| Loan loss allowance to noncurrent loans | 204.5779% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 6,252 |
| Noncurrent loans to loans | 0.4912% | 5,878 |
| Net loans and leases to total assets | 66.3797% | 4,773 |
| Net loans and leases to deposits | 95.6919% | 2,490 |
| Net loans and leases to core deposits | 107.2925% | 4,046 |
| Total domestic deposits to total assets | 69.3682% | 7,344 |
| Equity capital to assets | 11.6743% | 2,518 |
| Core capital (leverage) ratio | 8.9653% | 4,792 |
| Tier 1 risk-based capital ratio | 13.1600% | 4,023 |
| Total risk-based capital ratio | 14.2012% | 4,065 |
| Memoranda: | ||
| Average total assets | $1,329,779,400 | 514 |
| Average earning assets | $1,189,545,800 | 521 |
| Average equity | $138,567,600 | 508 |
| Average total loans | $905,776,200 | 537 |