Home > Alliance National Bank > Performance and Condition Ratios
Alliance National Bank, Performance and Condition Ratios
| 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 | 4.7227% | 1,240 |
| Cost of funding earning assets | 0.5278% | 2,558 |
| Net interest margin | 4.1949% | 1,258 |
| Noninterest income to average assets | 0.4736% | 3,681 |
| Noninterest expense to average assets | 3.5112% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5930% | 4,388 |
| Return on assets (ROA) | 0.5559% | 4,674 |
| Pretax return on assets | 0.6242% | 4,880 |
| Return on Equity (ROE) | 5.9720% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.8909% | 4,940 |
| Net charge-offs to loans | 0.0022% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 135 |
| Efficiency ratio | 84.0558% | 1,507 |
| Assets per employee ($millions) | 5.0327% | 2,171 |
| Cash dividends to net income (ytd only)* | 68.3371% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 1,495 |
| Loan loss allowance to noncurrent loans | 296.9106% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 3,677 |
| Noncurrent loans to loans | 0.6516% | 4,074 |
| Net loans and leases to total assets | 57.4720% | 4,056 |
| Net loans and leases to deposits | 70.0775% | 3,817 |
| Net loans and leases to core deposits | 78.7766% | 3,345 |
| Total domestic deposits to total assets | 82.0121% | 4,642 |
| Equity capital to assets | 9.4612% | 4,783 |
| Core capital (leverage) ratio | 9.8414% | 3,828 |
| Tier 1 risk-based capital ratio | 14.3826% | 4,003 |
| Total risk-based capital ratio | 15.6374% | 3,938 |
| Memoranda: | ||
| Average total assets | $157,953,330 | 3,565 |
| Average earning assets | $139,454,330 | 3,661 |
| Average equity | $14,702,000 | 3,911 |
| Average total loans | $92,465,670 | 3,627 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 1,161 |
| Cost of funding earning assets | 0.5386% | 2,518 |
| Net interest margin | 4.2044% | 1,208 |
| Noninterest income to average assets | 0.5064% | 3,360 |
| Noninterest expense to average assets | 2.9922% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9499% | 2,407 |
| Return on assets (ROA) | 0.8849% | 2,785 |
| Pretax return on assets | 1.1432% | 2,725 |
| Return on Equity (ROE) | 9.5881% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.5881% | 1,081 |
| Net charge-offs to loans | 0.0044% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 480.0000% | 85 |
| Efficiency ratio | 70.9091% | 3,665 |
| Assets per employee ($millions) | 4.8988% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 1,533 |
| Loan loss allowance to noncurrent loans | 790.4762% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 4,449 |
| Noncurrent loans to loans | 0.2518% | 5,350 |
| Net loans and leases to total assets | 57.3672% | 3,945 |
| Net loans and leases to deposits | 69.4424% | 3,669 |
| Net loans and leases to core deposits | 78.4997% | 3,150 |
| Total domestic deposits to total assets | 82.6112% | 4,747 |
| Equity capital to assets | 9.4991% | 4,503 |
| Core capital (leverage) ratio | 10.2210% | 3,262 |
| Tier 1 risk-based capital ratio | 14.8254% | 3,796 |
| Total risk-based capital ratio | 16.0813% | 3,751 |
| Memoranda: | ||
| Average total assets | $156,406,500 | 3,617 |
| Average earning assets | $138,142,500 | 3,696 |
| Average equity | $14,434,500 | 3,965 |
| Average total loans | $91,507,000 | 3,672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,961 |
| Cost of funding earning assets | 0.6260% | 2,426 |
| Net interest margin | 3.6741% | 3,158 |
| Noninterest income to average assets | 0.1406% | 6,240 |
| Noninterest expense to average assets | 2.8867% | 3,411 |
| Loan and lease loss provision to assets | 0.0967% | 3,188 |
| Net operating income to assets | 0.3368% | 5,387 |
| Return on assets (ROA) | 0.5575% | 4,596 |
| Pretax return on assets | 0.6423% | 4,730 |
| Return on Equity (ROE) | 5.9080% | 4,141 |
| Retained earnings to average equity (ytd only) | 0.5855% | 5,576 |
| Net charge-offs to loans | 0.1830% | 3,009 |
| Credit loss provision to net charge-offs | 97.4684% | 2,547 |
| Earnings coverage of net charge-offs (x) | 4.8924% | 3,429 |
| Efficiency ratio | 85.6079% | 1,450 |
| Assets per employee ($millions) | 4.8766% | 2,340 |
| Cash dividends to net income (ytd only)* | 90.0901% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 1,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 4,441 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.3088% | 4,147 |
| Net loans and leases to deposits | 68.9761% | 3,910 |
| Net loans and leases to core deposits | 80.3665% | 3,083 |
| Total domestic deposits to total assets | 83.0850% | 4,518 |
| Equity capital to assets | 8.9573% | 5,090 |
| Core capital (leverage) ratio | 9.9133% | 3,683 |
| Tier 1 risk-based capital ratio | 14.5016% | 3,955 |
| Total risk-based capital ratio | 15.7575% | 3,885 |
| Memoranda: | ||
| Average total assets | $159,281,400 | 3,573 |
| Average earning assets | $140,089,400 | 3,663 |
| Average equity | $15,030,400 | 3,867 |
| Average total loans | $86,323,200 | 3,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,559 |
| Cost of funding earning assets | 0.6376% | 2,474 |
| Net interest margin | 3.5144% | 3,815 |
| Noninterest income to average assets | 0.1582% | 6,239 |
| Noninterest expense to average assets | 2.8400% | 3,525 |
| Loan and lease loss provision to assets | 0.0533% | 3,967 |
| Net operating income to assets | 0.2962% | 5,630 |
| Return on assets (ROA) | 0.5872% | 4,535 |
| Pretax return on assets | 0.6921% | 4,713 |
| Return on Equity (ROE) | 6.1463% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.1463% | 2,319 |
| Net charge-offs to loans | 0.1927% | 2,686 |
| Credit loss provision to net charge-offs | 52.0325% | 3,457 |
| Earnings coverage of net charge-offs (x) | 3.9349% | 3,581 |
| Efficiency ratio | 87.5706% | 1,205 |
| Assets per employee ($millions) | 5.2058% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 1,829 |
| Loan loss allowance to noncurrent loans | 989.9441% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 4,297 |
| Noncurrent loans to loans | 0.1979% | 5,743 |
| Net loans and leases to total assets | 54.9616% | 4,465 |
| Net loans and leases to deposits | 67.1810% | 4,156 |
| Net loans and leases to core deposits | 78.0433% | 3,359 |
| Total domestic deposits to total assets | 81.8113% | 4,992 |
| Equity capital to assets | 8.9974% | 5,193 |
| Core capital (leverage) ratio | 10.2594% | 3,305 |
| Tier 1 risk-based capital ratio | 14.7556% | 3,912 |
| Total risk-based capital ratio | 16.0104% | 3,869 |
| Memoranda: | ||
| Average total assets | $160,089,000 | 3,592 |
| Average earning assets | $140,523,500 | 3,696 |
| Average equity | $15,293,500 | 3,863 |
| Average total loans | $85,089,500 | 3,836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,653 |
| Cost of funding earning assets | 0.6646% | 2,362 |
| Net interest margin | 3.4574% | 3,967 |
| Noninterest income to average assets | 0.0251% | 6,740 |
| Noninterest expense to average assets | 2.9576% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0869% | 6,157 |
| Return on assets (ROA) | 0.5261% | 4,853 |
| Pretax return on assets | 0.6025% | 5,002 |
| Return on Equity (ROE) | 5.4015% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.4015% | 2,810 |
| Net charge-offs to loans | 0.2953% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6341% | 4,310 |
| Efficiency ratio | 96.8020% | 623 |
| Assets per employee ($millions) | 5.0922% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 1,803 |
| Loan loss allowance to noncurrent loans | 779.9087% | 578 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 3,325 |
| Noncurrent loans to loans | 0.2593% | 5,662 |
| Net loans and leases to total assets | 52.4228% | 4,800 |
| Net loans and leases to deposits | 63.9691% | 4,510 |
| Net loans and leases to core deposits | 72.8767% | 3,950 |
| Total domestic deposits to total assets | 81.9501% | 5,075 |
| Equity capital to assets | 9.3097% | 4,842 |
| Core capital (leverage) ratio | 10.0018% | 3,517 |
| Tier 1 risk-based capital ratio | 15.2012% | 3,645 |
| Total risk-based capital ratio | 16.4561% | 3,612 |
| Memoranda: | ||
| Average total assets | $159,658,670 | 3,616 |
| Average earning assets | $139,933,670 | 3,725 |
| Average equity | $15,551,330 | 3,843 |
| Average total loans | $83,296,330 | 3,891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,312 |
| Cost of funding earning assets | 0.6835% | 2,359 |
| Net interest margin | 3.5143% | 3,639 |
| Noninterest income to average assets | 0.0399% | 6,762 |
| Noninterest expense to average assets | 3.2412% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1117% | 6,453 |
| Return on assets (ROA) | 0.5182% | 4,717 |
| Pretax return on assets | 0.6054% | 4,928 |
| Return on Equity (ROE) | 5.2068% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.2068% | 3,109 |
| Net charge-offs to loans | 0.1161% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.1250% | 4,023 |
| Efficiency ratio | 104.0800% | 439 |
| Assets per employee ($millions) | 5.1806% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 1,605 |
| Loan loss allowance to noncurrent loans | 734.5528% | 616 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 2,559 |
| Noncurrent loans to loans | 0.2980% | 5,654 |
| Net loans and leases to total assets | 50.2780% | 4,951 |
| Net loans and leases to deposits | 61.1087% | 4,669 |
| Net loans and leases to core deposits | 71.1776% | 3,935 |
| Total domestic deposits to total assets | 82.2764% | 5,097 |
| Equity capital to assets | 9.8550% | 4,342 |
| Core capital (leverage) ratio | 9.9475% | 3,460 |
| Tier 1 risk-based capital ratio | 16.0466% | 3,236 |
| Total risk-based capital ratio | 17.3038% | 3,193 |
| Memoranda: | ||
| Average total assets | $160,559,500 | 3,635 |
| Average earning assets | $140,453,000 | 3,761 |
| Average equity | $15,979,000 | 3,821 |
| Average total loans | $82,714,000 | 3,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 3,271 |
| Cost of funding earning assets | 0.7819% | 2,813 |
| Net interest margin | 3.7501% | 3,436 |
| Noninterest income to average assets | 0.0437% | 6,715 |
| Noninterest expense to average assets | 2.9030% | 3,625 |
| Loan and lease loss provision to assets | 0.4213% | 1,512 |
| Net operating income to assets | 0.0230% | 6,133 |
| Return on assets (ROA) | 0.5886% | 4,555 |
| Pretax return on assets | 0.7434% | 4,500 |
| Return on Equity (ROE) | 6.0763% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.0763% | 2,030 |
| Net charge-offs to loans | 1.2595% | 783 |
| Credit loss provision to net charge-offs | 64.6552% | 4,323 |
| Earnings coverage of net charge-offs (x) | 0.6887% | 5,142 |
| Efficiency ratio | 86.6108% | 1,364 |
| Assets per employee ($millions) | 5.1781% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,539 |
| Loan loss allowance to noncurrent loans | 369.8990% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 2,108 |
| Noncurrent loans to loans | 0.5973% | 5,027 |
| Net loans and leases to total assets | 50.4884% | 5,103 |
| Net loans and leases to deposits | 62.9732% | 4,663 |
| Net loans and leases to core deposits | 76.2064% | 3,504 |
| Total domestic deposits to total assets | 80.1744% | 5,613 |
| Equity capital to assets | 10.0492% | 4,105 |
| Core capital (leverage) ratio | 9.9637% | 3,446 |
| Tier 1 risk-based capital ratio | 15.9481% | 3,191 |
| Total risk-based capital ratio | 17.2151% | 3,140 |
| Memoranda: | ||
| Average total assets | $160,212,000 | 3,625 |
| Average earning assets | $141,331,400 | 3,699 |
| Average equity | $15,519,400 | 3,855 |
| Average total loans | $82,889,200 | 3,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 3,486 |
| Cost of funding earning assets | 0.7915% | 3,016 |
| Net interest margin | 3.7453% | 3,579 |
| Noninterest income to average assets | 0.1574% | 6,363 |
| Noninterest expense to average assets | 3.1897% | 2,601 |
| Loan and lease loss provision to assets | 0.2789% | 2,337 |
| Net operating income to assets | -0.0003% | 6,282 |
| Return on assets (ROA) | 0.6969% | 4,180 |
| Pretax return on assets | 0.9533% | 3,902 |
| Return on Equity (ROE) | 7.2624% | 3,657 |
| Retained earnings to average equity (ytd only) | 7.2624% | 1,970 |
| Net charge-offs to loans | 1.3479% | 685 |
| Credit loss provision to net charge-offs | 39.9761% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.3974% | 5,132 |
| Efficiency ratio | 92.0029% | 886 |
| Assets per employee ($millions) | 5.1662% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,964 |
| Loan loss allowance to noncurrent loans | 63.4867% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.5832% | 2,043 |
| Noncurrent loans to loans | 3.2692% | 1,682 |
| Net loans and leases to total assets | 49.9934% | 5,314 |
| Net loans and leases to deposits | 61.9305% | 4,975 |
| Net loans and leases to core deposits | 74.6673% | 3,895 |
| Total domestic deposits to total assets | 80.7251% | 5,443 |
| Equity capital to assets | 9.9999% | 4,493 |
| Core capital (leverage) ratio | 9.8464% | 3,759 |
| Tier 1 risk-based capital ratio | 16.2091% | 3,162 |
| Total risk-based capital ratio | 17.4748% | 3,114 |
| Memoranda: | ||
| Average total assets | $160,135,000 | 3,656 |
| Average earning assets | $141,507,000 | 3,746 |
| Average equity | $15,366,500 | 3,916 |
| Average total loans | $82,892,750 | 3,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 3,399 |
| Cost of funding earning assets | 0.7995% | 3,191 |
| Net interest margin | 3.7925% | 3,398 |
| Noninterest income to average assets | 0.1137% | 6,617 |
| Noninterest expense to average assets | 3.1712% | 2,680 |
| Loan and lease loss provision to assets | 0.4059% | 1,616 |
| Net operating income to assets | -0.0791% | 6,411 |
| Return on assets (ROA) | 0.6969% | 4,151 |
| Pretax return on assets | 0.9680% | 3,827 |
| Return on Equity (ROE) | 7.3662% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.3662% | 1,928 |
| Net charge-offs to loans | 1.5420% | 629 |
| Credit loss provision to net charge-offs | 50.6231% | 4,026 |
| Earnings coverage of net charge-offs (x) | 0.3692% | 4,897 |
| Efficiency ratio | 91.4625% | 965 |
| Assets per employee ($millions) | 5.2445% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 1,549 |
| Loan loss allowance to noncurrent loans | 45.2862% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 3.0557% | 1,797 |
| Noncurrent loans to loans | 5.1295% | 939 |
| Net loans and leases to total assets | 48.7003% | 5,536 |
| Net loans and leases to deposits | 59.4775% | 5,294 |
| Net loans and leases to core deposits | 72.0525% | 4,288 |
| Total domestic deposits to total assets | 81.8803% | 5,180 |
| Equity capital to assets | 9.5399% | 5,004 |
| Core capital (leverage) ratio | 9.4660% | 4,186 |
| Tier 1 risk-based capital ratio | 14.9941% | 3,770 |
| Total risk-based capital ratio | 16.2513% | 3,720 |
| Memoranda: | ||
| Average total assets | $160,129,670 | 3,659 |
| Average earning assets | $141,596,670 | 3,761 |
| Average equity | $15,150,330 | 3,959 |
| Average total loans | $83,269,670 | 4,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 3,292 |
| Cost of funding earning assets | 0.7965% | 3,502 |
| Net interest margin | 3.8483% | 3,143 |
| Noninterest income to average assets | 0.1057% | 6,713 |
| Noninterest expense to average assets | 3.2447% | 2,456 |
| Loan and lease loss provision to assets | 0.8181% | 593 |
| Net operating income to assets | -0.3815% | 6,758 |
| Return on assets (ROA) | 0.9037% | 3,123 |
| Pretax return on assets | 1.3543% | 2,352 |
| Return on Equity (ROE) | 9.5922% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.5922% | 1,384 |
| Net charge-offs to loans | 0.8676% | 1,181 |
| Credit loss provision to net charge-offs | 177.5956% | 1,444 |
| Earnings coverage of net charge-offs (x) | 0.5519% | 4,060 |
| Efficiency ratio | 92.7338% | 898 |
| Assets per employee ($millions) | 5.2722% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7927% | 1,017 |
| Loan loss allowance to noncurrent loans | 167.4053% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 3,874 |
| Noncurrent loans to loans | 1.6682% | 3,598 |
| Net loans and leases to total assets | 49.8776% | 5,320 |
| Net loans and leases to deposits | 59.9061% | 5,162 |
| Net loans and leases to core deposits | 72.5297% | 4,074 |
| Total domestic deposits to total assets | 83.2597% | 4,827 |
| Equity capital to assets | 9.1766% | 5,267 |
| Core capital (leverage) ratio | 10.0037% | 3,364 |
| Tier 1 risk-based capital ratio | 15.0520% | 3,726 |
| Total risk-based capital ratio | 16.3153% | 3,675 |
| Memoranda: | ||
| Average total assets | $158,904,500 | 3,704 |
| Average earning assets | $140,112,000 | 3,813 |
| Average equity | $14,970,500 | 3,998 |
| Average total loans | $84,374,500 | 3,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 2,273 |
| Cost of funding earning assets | 0.9883% | 3,460 |
| Net interest margin | 4.1558% | 2,211 |
| Noninterest income to average assets | 0.1435% | 6,432 |
| Noninterest expense to average assets | 2.7391% | 4,592 |
| Loan and lease loss provision to assets | 0.4870% | 2,169 |
| Net operating income to assets | 0.3729% | 4,979 |
| Return on assets (ROA) | 0.5299% | 4,504 |
| Pretax return on assets | 0.8182% | 3,917 |
| Return on Equity (ROE) | 5.5763% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.1594% | 4,680 |
| Net charge-offs to loans | 0.4206% | 3,325 |
| Credit loss provision to net charge-offs | 218.0233% | 1,120 |
| Earnings coverage of net charge-offs (x) | 4.7616% | 2,983 |
| Efficiency ratio | 72.0287% | 3,574 |
| Assets per employee ($millions) | 5.1457% | 2,004 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5917% | 1,207 |
| Loan loss allowance to noncurrent loans | 177.9935% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 4,020 |
| Noncurrent loans to loans | 1.4560% | 3,981 |
| Net loans and leases to total assets | 53.5645% | 5,100 |
| Net loans and leases to deposits | 68.7154% | 4,327 |
| Net loans and leases to core deposits | 85.2884% | 2,718 |
| Total domestic deposits to total assets | 77.9512% | 6,203 |
| Equity capital to assets | 9.6799% | 4,630 |
| Core capital (leverage) ratio | 10.2885% | 2,985 |
| Tier 1 risk-based capital ratio | 14.3825% | 4,057 |
| Total risk-based capital ratio | 15.6522% | 4,014 |
| Memoranda: | ||
| Average total assets | $153,990,200 | 3,735 |
| Average earning assets | $135,592,200 | 3,827 |
| Average equity | $14,633,400 | 3,981 |
| Average total loans | $81,794,200 | 4,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 2,381 |
| Cost of funding earning assets | 1.0493% | 3,322 |
| Net interest margin | 4.1030% | 2,462 |
| Noninterest income to average assets | -0.0321% | 7,142 |
| Noninterest expense to average assets | 2.9309% | 3,799 |
| Loan and lease loss provision to assets | 0.1300% | 4,807 |
| Net operating income to assets | 0.3394% | 5,253 |
| Return on assets (ROA) | 0.5224% | 4,626 |
| Pretax return on assets | 0.8066% | 4,104 |
| Return on Equity (ROE) | 5.5234% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.5234% | 2,849 |
| Net charge-offs to loans | 0.2074% | 4,143 |
| Credit loss provision to net charge-offs | 119.0476% | 2,737 |
| Earnings coverage of net charge-offs (x) | 5.9998% | 2,647 |
| Efficiency ratio | 81.7347% | 2,011 |
| Assets per employee ($millions) | 5.3570% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 1,794 |
| Loan loss allowance to noncurrent loans | 128.2992% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 4,121 |
| Noncurrent loans to loans | 1.7483% | 3,704 |
| Net loans and leases to total assets | 51.0022% | 5,578 |
| Net loans and leases to deposits | 71.4902% | 4,065 |
| Net loans and leases to core deposits | 89.8019% | 2,277 |
| Total domestic deposits to total assets | 71.3416% | 6,973 |
| Equity capital to assets | 9.9779% | 4,374 |
| Core capital (leverage) ratio | 10.5643% | 2,797 |
| Tier 1 risk-based capital ratio | 15.0711% | 3,623 |
| Total risk-based capital ratio | 16.3343% | 3,585 |
| Memoranda: | ||
| Average total assets | $153,895,000 | 3,758 |
| Average earning assets | $135,702,750 | 3,845 |
| Average equity | $14,556,000 | 4,019 |
| Average total loans | $81,020,750 | 4,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1466% | 2,480 |
| Cost of funding earning assets | 1.1125% | 3,152 |
| Net interest margin | 4.0341% | 2,682 |
| Noninterest income to average assets | -0.0834% | 7,278 |
| Noninterest expense to average assets | 2.9203% | 3,941 |
| Loan and lease loss provision to assets | 0.0521% | 5,662 |
| Net operating income to assets | 0.3459% | 5,188 |
| Return on assets (ROA) | 0.4993% | 4,644 |
| Pretax return on assets | 0.7731% | 4,128 |
| Return on Equity (ROE) | 5.3788% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.3788% | 2,755 |
| Net charge-offs to loans | 0.1086% | 4,604 |
| Credit loss provision to net charge-offs | 90.9091% | 3,432 |
| Earnings coverage of net charge-offs (x) | 10.2727% | 1,831 |
| Efficiency ratio | 83.2095% | 1,924 |
| Assets per employee ($millions) | 5.2988% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,837 |
| Loan loss allowance to noncurrent loans | 139.1913% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 4,191 |
| Noncurrent loans to loans | 1.6104% | 3,977 |
| Net loans and leases to total assets | 50.8017% | 5,717 |
| Net loans and leases to deposits | 66.7730% | 4,886 |
| Net loans and leases to core deposits | 93.9591% | 1,897 |
| Total domestic deposits to total assets | 76.0812% | 6,588 |
| Equity capital to assets | 9.7334% | 4,494 |
| Core capital (leverage) ratio | 9.8609% | 3,435 |
| Tier 1 risk-based capital ratio | 15.3520% | 3,323 |
| Total risk-based capital ratio | 16.6193% | 3,268 |
| Memoranda: | ||
| Average total assets | $153,408,670 | 3,793 |
| Average earning assets | $136,634,330 | 3,846 |
| Average equity | $14,241,000 | 4,076 |
| Average total loans | $81,010,330 | 4,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 2,644 |
| Cost of funding earning assets | 1.1515% | 3,150 |
| Net interest margin | 3.9498% | 2,913 |
| Noninterest income to average assets | -0.0078% | 7,319 |
| Noninterest expense to average assets | 2.8314% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4376% | 4,772 |
| Return on assets (ROA) | 0.4749% | 4,678 |
| Pretax return on assets | 0.7359% | 4,163 |
| Return on Equity (ROE) | 5.2438% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.2438% | 3,037 |
| Net charge-offs to loans | 0.2157% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.9091% | 2,188 |
| Efficiency ratio | 80.6691% | 2,412 |
| Assets per employee ($millions) | 5.2649% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 2,051 |
| Loan loss allowance to noncurrent loans | 149.9572% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 4,027 |
| Noncurrent loans to loans | 1.4418% | 4,306 |
| Net loans and leases to total assets | 51.8669% | 5,599 |
| Net loans and leases to deposits | 68.8195% | 4,551 |
| Net loans and leases to core deposits | 92.9047% | 2,018 |
| Total domestic deposits to total assets | 75.3666% | 6,751 |
| Equity capital to assets | 9.2787% | 4,766 |
| Core capital (leverage) ratio | 9.6605% | 3,584 |
| Tier 1 risk-based capital ratio | 15.5835% | 3,113 |
| Total risk-based capital ratio | 16.8414% | 3,070 |
| Memoranda: | ||
| Average total assets | $153,280,000 | 3,826 |
| Average earning assets | $136,513,500 | 3,886 |
| Average equity | $13,883,000 | 4,130 |
| Average total loans | $81,588,000 | 4,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 2,505 |
| Cost of funding earning assets | 1.5935% | 2,105 |
| Net interest margin | 3.8467% | 3,748 |
| Noninterest income to average assets | 0.1600% | 6,573 |
| Noninterest expense to average assets | 2.5521% | 5,607 |
| Loan and lease loss provision to assets | 0.5808% | 2,811 |
| Net operating income to assets | 0.2660% | 5,050 |
| Return on assets (ROA) | 0.5827% | 3,907 |
| Pretax return on assets | 0.9118% | 3,235 |
| Return on Equity (ROE) | 6.1351% | 3,556 |
| Retained earnings to average equity (ytd only) | -0.7121% | 5,749 |
| Net charge-offs to loans | 0.8477% | 2,518 |
| Credit loss provision to net charge-offs | 125.2454% | 3,258 |
| Earnings coverage of net charge-offs (x) | 2.1515% | 4,103 |
| Efficiency ratio | 71.8945% | 3,811 |
| Assets per employee ($millions) | 5.4956% | 1,578 |
| Cash dividends to net income (ytd only)* | 111.6071% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1816% | 1,905 |
| Loan loss allowance to noncurrent loans | 178.8634% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0939% | 3,232 |
| Noncurrent loans to loans | 1.2197% | 4,690 |
| Net loans and leases to total assets | 52.2755% | 5,873 |
| Net loans and leases to deposits | 68.5985% | 5,020 |
| Net loans and leases to core deposits | 90.4755% | 2,697 |
| Total domestic deposits to total assets | 76.2050% | 6,612 |
| Equity capital to assets | 8.8376% | 5,379 |
| Core capital (leverage) ratio | 9.2574% | 4,088 |
| Tier 1 risk-based capital ratio | 14.6934% | 3,427 |
| Total risk-based capital ratio | 15.9488% | 3,390 |
| Memoranda: | ||
| Average total assets | $153,755,600 | 3,810 |
| Average earning assets | $135,491,800 | 3,904 |
| Average equity | $14,604,400 | 4,011 |
| Average total loans | $84,109,400 | 4,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 2,736 |
| Cost of funding earning assets | 1.6562% | 2,067 |
| Net interest margin | 3.7750% | 4,074 |
| Noninterest income to average assets | 0.1761% | 6,621 |
| Noninterest expense to average assets | 2.5994% | 5,326 |
| Loan and lease loss provision to assets | 0.6141% | 2,484 |
| Net operating income to assets | 0.1700% | 5,589 |
| Return on assets (ROA) | 0.5646% | 4,195 |
| Pretax return on assets | 0.8986% | 3,560 |
| Return on Equity (ROE) | 5.8427% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.8427% | 2,448 |
| Net charge-offs to loans | 0.9758% | 2,049 |
| Credit loss provision to net charge-offs | 114.3780% | 3,657 |
| Earnings coverage of net charge-offs (x) | 1.6688% | 4,455 |
| Efficiency ratio | 74.3672% | 3,253 |
| Assets per employee ($millions) | 5.6144% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 2,178 |
| Loan loss allowance to noncurrent loans | 1,670.5882% | 234 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 4,139 |
| Noncurrent loans to loans | 0.1207% | 6,944 |
| Net loans and leases to total assets | 52.6711% | 6,017 |
| Net loans and leases to deposits | 69.0846% | 5,262 |
| Net loans and leases to core deposits | 95.8012% | 2,290 |
| Total domestic deposits to total assets | 76.2414% | 6,609 |
| Equity capital to assets | 9.7880% | 4,428 |
| Core capital (leverage) ratio | 10.0486% | 3,205 |
| Tier 1 risk-based capital ratio | 14.8462% | 3,328 |
| Total risk-based capital ratio | 16.1102% | 3,299 |
| Memoranda: | ||
| Average total assets | $153,725,250 | 3,862 |
| Average earning assets | $135,168,250 | 3,967 |
| Average equity | $14,855,750 | 4,020 |
| Average total loans | $84,578,250 | 4,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 2,480 |
| Cost of funding earning assets | 1.7049% | 2,101 |
| Net interest margin | 3.8026% | 3,880 |
| Noninterest income to average assets | 0.2412% | 6,178 |
| Noninterest expense to average assets | 2.6546% | 5,106 |
| Loan and lease loss provision to assets | 0.6371% | 2,251 |
| Net operating income to assets | 0.1768% | 5,646 |
| Return on assets (ROA) | 0.5440% | 4,269 |
| Pretax return on assets | 0.8390% | 3,742 |
| Return on Equity (ROE) | 5.6545% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.6545% | 2,522 |
| Net charge-offs to loans | 0.8723% | 2,089 |
| Credit loss provision to net charge-offs | 131.7073% | 3,057 |
| Earnings coverage of net charge-offs (x) | 1.8835% | 4,110 |
| Efficiency ratio | 74.4485% | 3,387 |
| Assets per employee ($millions) | 5.8476% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 1,905 |
| Loan loss allowance to noncurrent loans | 160.2778% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 3,394 |
| Noncurrent loans to loans | 1.3301% | 4,728 |
| Net loans and leases to total assets | 52.2659% | 6,181 |
| Net loans and leases to deposits | 66.7014% | 5,721 |
| Net loans and leases to core deposits | 84.4096% | 4,086 |
| Total domestic deposits to total assets | 78.3580% | 6,186 |
| Equity capital to assets | 9.8752% | 4,171 |
| Core capital (leverage) ratio | 9.6021% | 3,675 |
| Tier 1 risk-based capital ratio | 15.4096% | 2,947 |
| Total risk-based capital ratio | 16.6758% | 2,897 |
| Memoranda: | ||
| Average total assets | $152,566,330 | 3,912 |
| Average earning assets | $133,382,330 | 4,035 |
| Average equity | $14,678,670 | 4,055 |
| Average total loans | $84,603,000 | 4,305 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 2,039 |
| Cost of funding earning assets | 1.6739% | 2,519 |
| Net interest margin | 3.9541% | 3,081 |
| Noninterest income to average assets | 0.2199% | 6,389 |
| Noninterest expense to average assets | 2.6539% | 5,131 |
| Loan and lease loss provision to assets | 0.4188% | 2,861 |
| Net operating income to assets | 0.3884% | 4,886 |
| Return on assets (ROA) | 0.5287% | 4,380 |
| Pretax return on assets | 0.7878% | 3,920 |
| Return on Equity (ROE) | 5.5682% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.5682% | 2,832 |
| Net charge-offs to loans | 1.3116% | 1,304 |
| Credit loss provision to net charge-offs | 56.5371% | 4,375 |
| Earnings coverage of net charge-offs (x) | 1.3463% | 3,939 |
| Efficiency ratio | 72.6882% | 3,811 |
| Assets per employee ($millions) | 6.7036% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,918 |
| Loan loss allowance to noncurrent loans | 67.6497% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4335% | 2,984 |
| Noncurrent loans to loans | 2.5738% | 3,096 |
| Net loans and leases to total assets | 54.5715% | 5,945 |
| Net loans and leases to deposits | 68.4354% | 5,539 |
| Net loans and leases to core deposits | 112.2226% | 1,147 |
| Total domestic deposits to total assets | 79.7416% | 5,877 |
| Equity capital to assets | 9.5108% | 4,516 |
| Core capital (leverage) ratio | 9.6017% | 3,641 |
| Tier 1 risk-based capital ratio | 14.5819% | 3,332 |
| Total risk-based capital ratio | 15.8425% | 3,286 |
| Memoranda: | ||
| Average total assets | $152,830,500 | 3,965 |
| Average earning assets | $132,620,500 | 4,106 |
| Average equity | $14,511,000 | 4,120 |
| Average total loans | $86,307,000 | 4,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6340% | 3,419 |
| Cost of funding earning assets | 2.0844% | 2,544 |
| Net interest margin | 3.5495% | 4,748 |
| Noninterest income to average assets | 0.2976% | 5,972 |
| Noninterest expense to average assets | 2.5809% | 5,859 |
| Loan and lease loss provision to assets | 0.5182% | 3,781 |
| Net operating income to assets | 0.2580% | 4,690 |
| Return on assets (ROA) | 0.5884% | 3,450 |
| Pretax return on assets | 0.8839% | 2,977 |
| Return on Equity (ROE) | 6.2694% | 3,094 |
| Retained earnings to average equity (ytd only) | -0.9869% | 5,253 |
| Net charge-offs to loans | 0.7636% | 2,914 |
| Credit loss provision to net charge-offs | 111.5836% | 4,922 |
| Earnings coverage of net charge-offs (x) | 1.9575% | 4,256 |
| Efficiency ratio | 73.9512% | 3,906 |
| Assets per employee ($millions) | 6.3116% | 1,073 |
| Cash dividends to net income (ytd only)* | 115.7407% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,390 |
| Loan loss allowance to noncurrent loans | 126.0938% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 2,948 |
| Noncurrent loans to loans | 1.4716% | 4,458 |
| Net loans and leases to total assets | 56.3574% | 5,901 |
| Net loans and leases to deposits | 70.7189% | 5,507 |
| Net loans and leases to core deposits | 137.0267% | 911 |
| Total domestic deposits to total assets | 79.6921% | 5,778 |
| Equity capital to assets | 9.4786% | 4,439 |
| Core capital (leverage) ratio | 9.3664% | 3,877 |
| Tier 1 risk-based capital ratio | 14.1657% | 3,396 |
| Total risk-based capital ratio | 15.4135% | 3,357 |
| Memoranda: | ||
| Average total assets | $146,849,000 | 4,000 |
| Average earning assets | $132,073,400 | 4,044 |
| Average equity | $13,781,200 | 4,318 |
| Average total loans | $89,311,000 | 4,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 4,599 |
| Cost of funding earning assets | 2.1427% | 2,699 |
| Net interest margin | 3.3231% | 5,550 |
| Noninterest income to average assets | 0.4082% | 5,227 |
| Noninterest expense to average assets | 2.4453% | 6,265 |
| Loan and lease loss provision to assets | 0.6150% | 2,933 |
| Net operating income to assets | 0.2378% | 5,027 |
| Return on assets (ROA) | 0.5647% | 3,817 |
| Pretax return on assets | 0.8474% | 3,390 |
| Return on Equity (ROE) | 6.0325% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.0325% | 1,931 |
| Net charge-offs to loans | 1.0115% | 1,951 |
| Credit loss provision to net charge-offs | 98.5337% | 5,195 |
| Earnings coverage of net charge-offs (x) | 1.5616% | 4,618 |
| Efficiency ratio | 71.5012% | 4,328 |
| Assets per employee ($millions) | 7.0790% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 2,628 |
| Loan loss allowance to noncurrent loans | 37.7569% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 3.6908% | 1,764 |
| Noncurrent loans to loans | 4.5048% | 1,552 |
| Net loans and leases to total assets | 56.5916% | 6,082 |
| Net loans and leases to deposits | 71.4359% | 5,744 |
| Net loans and leases to core deposits | 141.4648% | 854 |
| Total domestic deposits to total assets | 79.2201% | 5,728 |
| Equity capital to assets | 9.9032% | 4,210 |
| Core capital (leverage) ratio | 9.7519% | 3,568 |
| Tier 1 risk-based capital ratio | 15.0182% | 3,030 |
| Total risk-based capital ratio | 16.2810% | 2,966 |
| Memoranda: | ||
| Average total assets | $145,691,750 | 4,046 |
| Average earning assets | $132,042,500 | 4,067 |
| Average equity | $13,637,000 | 4,380 |
| Average total loans | $89,893,000 | 4,252 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 4,072 |
| Cost of funding earning assets | 2.2156% | 2,721 |
| Net interest margin | 3.3857% | 5,232 |
| Noninterest income to average assets | 0.4314% | 5,014 |
| Noninterest expense to average assets | 2.4757% | 6,199 |
| Loan and lease loss provision to assets | 0.8318% | 2,016 |
| Net operating income to assets | 0.1149% | 5,519 |
| Return on assets (ROA) | 0.5564% | 3,967 |
| Pretax return on assets | 0.8360% | 3,553 |
| Return on Equity (ROE) | 6.0728% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.0728% | 1,985 |
| Net charge-offs to loans | 1.2537% | 1,472 |
| Credit loss provision to net charge-offs | 104.9645% | 4,381 |
| Earnings coverage of net charge-offs (x) | 1.2730% | 4,575 |
| Efficiency ratio | 71.0484% | 4,584 |
| Assets per employee ($millions) | 7.0418% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,161 |
| Loan loss allowance to noncurrent loans | 54.5169% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 2,080 |
| Noncurrent loans to loans | 3.2227% | 2,211 |
| Net loans and leases to total assets | 59.1025% | 5,823 |
| Net loans and leases to deposits | 71.8606% | 5,753 |
| Net loans and leases to core deposits | 134.0640% | 1,315 |
| Total domestic deposits to total assets | 82.2461% | 4,593 |
| Equity capital to assets | 9.9610% | 3,998 |
| Core capital (leverage) ratio | 11.0151% | 2,385 |
| Tier 1 risk-based capital ratio | 14.7780% | 3,114 |
| Total risk-based capital ratio | 16.0402% | 3,037 |
| Memoranda: | ||
| Average total assets | $142,343,330 | 4,130 |
| Average earning assets | $128,361,670 | 4,177 |
| Average equity | $13,041,670 | 4,529 |
| Average total loans | $89,971,000 | 4,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8435% | 3,073 |
| Cost of funding earning assets | 2.4319% | 2,171 |
| Net interest margin | 3.4116% | 5,091 |
| Noninterest income to average assets | 0.4299% | 4,961 |
| Noninterest expense to average assets | 2.5792% | 5,535 |
| Loan and lease loss provision to assets | 1.3527% | 945 |
| Net operating income to assets | -0.2898% | 6,666 |
| Return on assets (ROA) | 0.5474% | 4,409 |
| Pretax return on assets | 0.8110% | 4,038 |
| Return on Equity (ROE) | 6.2636% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.2636% | 2,520 |
| Net charge-offs to loans | 2.5289% | 552 |
| Credit loss provision to net charge-offs | 82.5175% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.5577% | 4,549 |
| Efficiency ratio | 73.8310% | 3,856 |
| Assets per employee ($millions) | 6.6697% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 2,619 |
| Loan loss allowance to noncurrent loans | 77.6936% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 2,990 |
| Noncurrent loans to loans | 2.0299% | 3,223 |
| Net loans and leases to total assets | 63.9391% | 4,998 |
| Net loans and leases to deposits | 77.8936% | 4,942 |
| Net loans and leases to core deposits | 149.9606% | 706 |
| Total domestic deposits to total assets | 82.0852% | 4,511 |
| Equity capital to assets | 8.6797% | 5,799 |
| Core capital (leverage) ratio | 8.7052% | 5,140 |
| Tier 1 risk-based capital ratio | 12.3178% | 4,690 |
| Total risk-based capital ratio | 13.5744% | 4,603 |
| Memoranda: | ||
| Average total assets | $139,576,500 | 4,199 |
| Average earning assets | $125,336,500 | 4,260 |
| Average equity | $12,197,500 | 4,787 |
| Average total loans | $90,475,500 | 4,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4393% | 3,227 |
| Cost of funding earning assets | 3.1328% | 1,405 |
| Net interest margin | 3.3065% | 6,016 |
| Noninterest income to average assets | 0.4794% | 4,805 |
| Noninterest expense to average assets | 2.4752% | 6,107 |
| Loan and lease loss provision to assets | 0.5195% | 2,738 |
| Net operating income to assets | 0.3597% | 5,317 |
| Return on assets (ROA) | 0.4110% | 4,923 |
| Pretax return on assets | 0.5807% | 4,755 |
| Return on Equity (ROE) | 4.7820% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.7820% | 2,159 |
| Net charge-offs to loans | 0.1582% | 4,616 |
| Credit loss provision to net charge-offs | 495.1389% | 883 |
| Earnings coverage of net charge-offs (x) | 9.7986% | 2,635 |
| Efficiency ratio | 70.6531% | 4,208 |
| Assets per employee ($millions) | 5.3496% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 1,889 |
| Loan loss allowance to noncurrent loans | 172.2783% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 3,683 |
| Noncurrent loans to loans | 0.9904% | 4,615 |
| Net loans and leases to total assets | 63.5747% | 5,357 |
| Net loans and leases to deposits | 77.5830% | 5,391 |
| Net loans and leases to core deposits | 175.0178% | 338 |
| Total domestic deposits to total assets | 81.9441% | 4,228 |
| Equity capital to assets | 8.7986% | 5,654 |
| Core capital (leverage) ratio | 8.8172% | 5,014 |
| Tier 1 risk-based capital ratio | 12.0128% | 4,811 |
| Total risk-based capital ratio | 13.2666% | 4,693 |
| Memoranda: | ||
| Average total assets | $137,242,000 | 4,135 |
| Average earning assets | $125,510,600 | 4,140 |
| Average equity | $11,794,200 | 4,891 |
| Average total loans | $91,047,200 | 4,193 |