Home > American Bank of Texas > Performance and Condition Ratios
American Bank of Texas, Performance and Condition Ratios
| 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 | 4.1236% | 6,232 |
| Cost of funding earning assets | 0.4175% | 6,840 |
| Net interest margin | 3.7062% | 4,271 |
| Noninterest income to average assets | 0.7802% | 2,163 |
| Noninterest expense to average assets | 3.0358% | 3,463 |
| Loan and lease loss provision to assets | 0.4554% | 2,321 |
| Net operating income to assets | 0.2711% | 5,366 |
| Return on assets (ROA) | 0.2709% | 5,518 |
| Pretax return on assets | 0.3920% | 5,319 |
| Return on Equity (ROE) | 1.8231% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.1307% | 5,328 |
| Net charge-offs to loans | 0.9272% | 1,875 |
| Credit loss provision to net charge-offs | 106.5951% | 3,183 |
| Earnings coverage of net charge-offs (x) | 1.9840% | 4,295 |
| Efficiency ratio | 75.3333% | 3,003 |
| Assets per employee ($millions) | 3.5249% | 4,953 |
| Cash dividends to net income (ytd only)* | 37.9777% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 2,096 |
| Loan loss allowance to noncurrent loans | 83.0610% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 3.9804% | 1,443 |
| Noncurrent loans to loans | 2.4839% | 2,647 |
| Net loans and leases to total assets | 41.3921% | 6,430 |
| Net loans and leases to deposits | 49.5332% | 6,394 |
| Net loans and leases to core deposits | 51.7416% | 6,438 |
| Total domestic deposits to total assets | 83.5643% | 4,507 |
| Equity capital to assets | 14.6998% | 847 |
| Core capital (leverage) ratio | 11.0054% | 2,267 |
| Tier 1 risk-based capital ratio | 20.0377% | 1,633 |
| Total risk-based capital ratio | 21.2927% | 1,605 |
| Memoranda: | ||
| Average total assets | $763,007,200 | 863 |
| Average earning assets | $638,878,600 | 929 |
| Average equity | $113,379,200 | 610 |
| Average total loans | $351,590,400 | 1,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 6,267 |
| Cost of funding earning assets | 0.4309% | 6,938 |
| Net interest margin | 3.7427% | 4,145 |
| Noninterest income to average assets | 0.8552% | 1,818 |
| Noninterest expense to average assets | 3.0444% | 3,376 |
| Loan and lease loss provision to assets | 0.2939% | 3,174 |
| Net operating income to assets | 0.4398% | 4,818 |
| Return on assets (ROA) | 0.4397% | 5,012 |
| Pretax return on assets | 0.6467% | 4,656 |
| Return on Equity (ROE) | 2.9510% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.2857% | 4,981 |
| Net charge-offs to loans | 0.5347% | 2,630 |
| Credit loss provision to net charge-offs | 116.8061% | 2,798 |
| Earnings coverage of net charge-offs (x) | 3.7392% | 3,317 |
| Efficiency ratio | 73.6142% | 3,255 |
| Assets per employee ($millions) | 3.4762% | 5,059 |
| Cash dividends to net income (ytd only)* | 22.5458% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,345 |
| Loan loss allowance to noncurrent loans | 68.3723% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 4.4319% | 1,356 |
| Noncurrent loans to loans | 2.9234% | 2,381 |
| Net loans and leases to total assets | 43.7183% | 6,359 |
| Net loans and leases to deposits | 52.5100% | 6,330 |
| Net loans and leases to core deposits | 54.9990% | 6,389 |
| Total domestic deposits to total assets | 83.2570% | 4,583 |
| Equity capital to assets | 15.0721% | 840 |
| Core capital (leverage) ratio | 11.2773% | 2,172 |
| Tier 1 risk-based capital ratio | 18.9376% | 1,958 |
| Total risk-based capital ratio | 20.1915% | 1,928 |
| Memoranda: | ||
| Average total assets | $759,888,500 | 867 |
| Average earning assets | $635,501,000 | 940 |
| Average equity | $113,225,500 | 615 |
| Average total loans | $357,550,500 | 1,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 6,178 |
| Cost of funding earning assets | 0.4461% | 7,022 |
| Net interest margin | 3.7983% | 3,790 |
| Noninterest income to average assets | 1.0197% | 1,273 |
| Noninterest expense to average assets | 3.0331% | 3,513 |
| Loan and lease loss provision to assets | 0.3160% | 2,899 |
| Net operating income to assets | 0.5739% | 4,192 |
| Return on assets (ROA) | 0.5739% | 4,318 |
| Pretax return on assets | 0.8483% | 3,837 |
| Return on Equity (ROE) | 3.8662% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.2807% | 4,173 |
| Net charge-offs to loans | 0.5573% | 2,434 |
| Credit loss provision to net charge-offs | 118.4600% | 2,595 |
| Earnings coverage of net charge-offs (x) | 4.3643% | 2,877 |
| Efficiency ratio | 69.6198% | 4,181 |
| Assets per employee ($millions) | 3.6103% | 4,657 |
| Cash dividends to net income (ytd only)* | 15.1446% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 2,490 |
| Loan loss allowance to noncurrent loans | 43.4032% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 5.2363% | 1,159 |
| Noncurrent loans to loans | 4.5062% | 1,470 |
| Net loans and leases to total assets | 44.1055% | 6,429 |
| Net loans and leases to deposits | 52.9991% | 6,392 |
| Net loans and leases to core deposits | 55.4461% | 6,457 |
| Total domestic deposits to total assets | 83.2193% | 4,662 |
| Equity capital to assets | 14.8913% | 844 |
| Core capital (leverage) ratio | 11.3140% | 2,040 |
| Tier 1 risk-based capital ratio | 18.9875% | 1,854 |
| Total risk-based capital ratio | 20.2413% | 1,814 |
| Memoranda: | ||
| Average total assets | $759,424,330 | 882 |
| Average earning assets | $635,342,670 | 946 |
| Average equity | $112,720,330 | 618 |
| Average total loans | $363,531,670 | 1,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 6,016 |
| Cost of funding earning assets | 0.4735% | 7,056 |
| Net interest margin | 3.8288% | 3,472 |
| Noninterest income to average assets | 1.4970% | 578 |
| Noninterest expense to average assets | 3.1357% | 3,122 |
| Loan and lease loss provision to assets | 0.3173% | 2,644 |
| Net operating income to assets | 0.8413% | 2,817 |
| Return on assets (ROA) | 0.8413% | 2,877 |
| Pretax return on assets | 1.2511% | 2,194 |
| Return on Equity (ROE) | 5.6774% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.6774% | 2,811 |
| Net charge-offs to loans | 0.8501% | 1,553 |
| Credit loss provision to net charge-offs | 75.6620% | 3,244 |
| Earnings coverage of net charge-offs (x) | 3.7402% | 2,648 |
| Efficiency ratio | 64.2986% | 5,315 |
| Assets per employee ($millions) | 3.4989% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 3,235 |
| Loan loss allowance to noncurrent loans | 43.0459% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 4.9003% | 1,292 |
| Noncurrent loans to loans | 4.0268% | 1,801 |
| Net loans and leases to total assets | 47.4429% | 6,143 |
| Net loans and leases to deposits | 56.7164% | 6,060 |
| Net loans and leases to core deposits | 59.5852% | 6,130 |
| Total domestic deposits to total assets | 83.6493% | 4,642 |
| Equity capital to assets | 14.8719% | 792 |
| Core capital (leverage) ratio | 11.3150% | 1,947 |
| Tier 1 risk-based capital ratio | 18.1980% | 2,052 |
| Total risk-based capital ratio | 19.4500% | 2,019 |
| Memoranda: | ||
| Average total assets | $756,449,500 | 890 |
| Average earning assets | $633,624,500 | 955 |
| Average equity | $112,093,500 | 614 |
| Average total loans | $373,144,500 | 1,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 5,489 |
| Cost of funding earning assets | 0.5807% | 7,161 |
| Net interest margin | 4.1998% | 2,187 |
| Noninterest income to average assets | 0.6268% | 3,306 |
| Noninterest expense to average assets | 3.1062% | 3,432 |
| Loan and lease loss provision to assets | 0.6131% | 2,683 |
| Net operating income to assets | 0.3452% | 4,765 |
| Return on assets (ROA) | 0.3451% | 4,925 |
| Pretax return on assets | 0.4838% | 4,677 |
| Return on Equity (ROE) | 2.3320% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.6916% | 4,670 |
| Net charge-offs to loans | 1.0501% | 2,102 |
| Credit loss provision to net charge-offs | 105.5288% | 4,248 |
| Earnings coverage of net charge-offs (x) | 1.8883% | 4,310 |
| Efficiency ratio | 71.2306% | 3,948 |
| Assets per employee ($millions) | 3.3055% | 5,419 |
| Cash dividends to net income (ytd only)* | 27.4623% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 3,123 |
| Loan loss allowance to noncurrent loans | 46.4590% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.7339% | 1,388 |
| Noncurrent loans to loans | 3.7111% | 2,001 |
| Net loans and leases to total assets | 49.5162% | 6,210 |
| Net loans and leases to deposits | 59.5653% | 6,108 |
| Net loans and leases to core deposits | 62.8450% | 6,164 |
| Total domestic deposits to total assets | 83.1292% | 4,743 |
| Equity capital to assets | 14.7645% | 844 |
| Core capital (leverage) ratio | 11.0583% | 2,120 |
| Tier 1 risk-based capital ratio | 17.3895% | 2,210 |
| Total risk-based capital ratio | 18.6417% | 2,176 |
| Memoranda: | ||
| Average total assets | $750,309,000 | 900 |
| Average earning assets | $638,934,600 | 947 |
| Average equity | $111,022,200 | 605 |
| Average total loans | $415,093,800 | 1,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 5,594 |
| Cost of funding earning assets | 0.5998% | 7,293 |
| Net interest margin | 4.2159% | 2,166 |
| Noninterest income to average assets | 0.6394% | 3,193 |
| Noninterest expense to average assets | 2.9917% | 3,778 |
| Loan and lease loss provision to assets | 0.7116% | 2,146 |
| Net operating income to assets | 0.3876% | 4,806 |
| Return on assets (ROA) | 0.3875% | 4,989 |
| Pretax return on assets | 0.5406% | 4,795 |
| Return on Equity (ROE) | 2.6171% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.9622% | 4,977 |
| Net charge-offs to loans | 1.2347% | 1,654 |
| Credit loss provision to net charge-offs | 101.8849% | 4,228 |
| Earnings coverage of net charge-offs (x) | 1.7932% | 4,369 |
| Efficiency ratio | 67.8459% | 4,492 |
| Assets per employee ($millions) | 3.2966% | 5,471 |
| Cash dividends to net income (ytd only)* | 25.0230% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,641 |
| Loan loss allowance to noncurrent loans | 21.6257% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 5.1641% | 1,226 |
| Noncurrent loans to loans | 7.2785% | 750 |
| Net loans and leases to total assets | 53.0788% | 5,973 |
| Net loans and leases to deposits | 63.9652% | 5,919 |
| Net loans and leases to core deposits | 67.7320% | 5,967 |
| Total domestic deposits to total assets | 82.9808% | 4,595 |
| Equity capital to assets | 14.9244% | 904 |
| Core capital (leverage) ratio | 11.1253% | 2,176 |
| Tier 1 risk-based capital ratio | 17.0915% | 2,306 |
| Total risk-based capital ratio | 18.3430% | 2,269 |
| Memoranda: | ||
| Average total assets | $749,474,500 | 902 |
| Average earning assets | $640,829,500 | 950 |
| Average equity | $110,959,750 | 598 |
| Average total loans | $423,936,250 | 1,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 5,380 |
| Cost of funding earning assets | 0.6237% | 7,357 |
| Net interest margin | 4.2769% | 1,865 |
| Noninterest income to average assets | 0.6373% | 3,081 |
| Noninterest expense to average assets | 2.9676% | 3,828 |
| Loan and lease loss provision to assets | 0.9082% | 1,602 |
| Net operating income to assets | 0.3168% | 5,112 |
| Return on assets (ROA) | 0.3168% | 5,277 |
| Pretax return on assets | 0.4212% | 5,152 |
| Return on Equity (ROE) | 2.1455% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.5486% | 5,092 |
| Net charge-offs to loans | 0.8365% | 2,168 |
| Credit loss provision to net charge-offs | 188.9939% | 2,085 |
| Earnings coverage of net charge-offs (x) | 2.7665% | 3,603 |
| Efficiency ratio | 66.4450% | 4,896 |
| Assets per employee ($millions) | 3.1889% | 5,709 |
| Cash dividends to net income (ytd only)* | 27.8246% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 2,460 |
| Loan loss allowance to noncurrent loans | 28.5668% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 4.6339% | 1,412 |
| Noncurrent loans to loans | 6.5949% | 900 |
| Net loans and leases to total assets | 55.9019% | 5,717 |
| Net loans and leases to deposits | 66.9374% | 5,693 |
| Net loans and leases to core deposits | 71.6900% | 5,707 |
| Total domestic deposits to total assets | 83.5137% | 4,330 |
| Equity capital to assets | 15.1010% | 856 |
| Core capital (leverage) ratio | 11.0685% | 2,187 |
| Tier 1 risk-based capital ratio | 16.8438% | 2,344 |
| Total risk-based capital ratio | 18.0994% | 2,292 |
| Memoranda: | ||
| Average total assets | $748,761,330 | 907 |
| Average earning assets | $640,703,000 | 957 |
| Average equity | $110,555,000 | 596 |
| Average total loans | $430,139,000 | 1,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 5,460 |
| Cost of funding earning assets | 0.6613% | 7,413 |
| Net interest margin | 4.2386% | 1,897 |
| Noninterest income to average assets | 0.6963% | 2,623 |
| Noninterest expense to average assets | 2.8441% | 4,306 |
| Loan and lease loss provision to assets | 1.3248% | 907 |
| Net operating income to assets | 0.1600% | 5,823 |
| Return on assets (ROA) | 0.1600% | 5,947 |
| Pretax return on assets | 0.1616% | 5,992 |
| Return on Equity (ROE) | 1.0961% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.4972% | 5,635 |
| Net charge-offs to loans | 0.1782% | 3,853 |
| Credit loss provision to net charge-offs | 1,288.6598% | 379 |
| Earnings coverage of net charge-offs (x) | 14.4588% | 1,427 |
| Efficiency ratio | 63.1057% | 5,644 |
| Assets per employee ($millions) | 3.2855% | 5,569 |
| Cash dividends to net income (ytd only)* | 54.6358% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,222 |
| Loan loss allowance to noncurrent loans | 30.9751% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 4.0294% | 1,700 |
| Noncurrent loans to loans | 6.4131% | 979 |
| Net loans and leases to total assets | 56.2311% | 5,709 |
| Net loans and leases to deposits | 66.7544% | 5,740 |
| Net loans and leases to core deposits | 72.7597% | 5,634 |
| Total domestic deposits to total assets | 84.2359% | 4,028 |
| Equity capital to assets | 14.5919% | 979 |
| Core capital (leverage) ratio | 10.8676% | 2,321 |
| Tier 1 risk-based capital ratio | 16.1396% | 2,588 |
| Total risk-based capital ratio | 17.3963% | 2,548 |
| Memoranda: | ||
| Average total assets | $754,824,500 | 920 |
| Average earning assets | $647,197,000 | 970 |
| Average equity | $110,213,000 | 599 |
| Average total loans | $435,358,500 | 1,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 4,837 |
| Cost of funding earning assets | 1.0303% | 7,145 |
| Net interest margin | 4.3392% | 1,604 |
| Noninterest income to average assets | 0.6139% | 3,521 |
| Noninterest expense to average assets | 3.2157% | 3,326 |
| Loan and lease loss provision to assets | 0.3400% | 4,764 |
| Net operating income to assets | 0.5442% | 3,553 |
| Return on assets (ROA) | 0.5440% | 3,640 |
| Pretax return on assets | 0.7952% | 3,260 |
| Return on Equity (ROE) | 3.9769% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.2551% | 2,881 |
| Net charge-offs to loans | 0.3812% | 4,303 |
| Credit loss provision to net charge-offs | 145.6028% | 3,256 |
| Earnings coverage of net charge-offs (x) | 4.8626% | 2,779 |
| Efficiency ratio | 71.2736% | 4,393 |
| Assets per employee ($millions) | 3.2782% | 5,543 |
| Cash dividends to net income (ytd only)* | 18.1500% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,021 |
| Loan loss allowance to noncurrent loans | 47.1653% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.1296% | 3,234 |
| Noncurrent loans to loans | 3.0582% | 2,511 |
| Net loans and leases to total assets | 57.1471% | 5,794 |
| Net loans and leases to deposits | 67.7954% | 5,857 |
| Net loans and leases to core deposits | 81.8432% | 5,925 |
| Total domestic deposits to total assets | 84.2934% | 3,898 |
| Equity capital to assets | 14.6104% | 994 |
| Core capital (leverage) ratio | 10.4120% | 2,679 |
| Tier 1 risk-based capital ratio | 15.8194% | 2,597 |
| Total risk-based capital ratio | 17.0698% | 2,533 |
| Memoranda: | ||
| Average total assets | $735,327,000 | 926 |
| Average earning assets | $633,319,800 | 989 |
| Average equity | $100,581,400 | 652 |
| Average total loans | $450,364,800 | 1,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 4,986 |
| Cost of funding earning assets | 1.0903% | 7,197 |
| Net interest margin | 4.3015% | 1,729 |
| Noninterest income to average assets | 0.6230% | 3,540 |
| Noninterest expense to average assets | 3.2249% | 3,215 |
| Loan and lease loss provision to assets | 0.3923% | 3,962 |
| Net operating income to assets | 0.4918% | 4,017 |
| Return on assets (ROA) | 0.4918% | 4,116 |
| Pretax return on assets | 0.7140% | 3,804 |
| Return on Equity (ROE) | 3.6596% | 4,514 |
| Retained earnings to average equity (ytd only) | 3.0553% | 3,617 |
| Net charge-offs to loans | 0.2645% | 4,390 |
| Credit loss provision to net charge-offs | 238.8889% | 1,832 |
| Earnings coverage of net charge-offs (x) | 6.7367% | 2,550 |
| Efficiency ratio | 71.7981% | 4,283 |
| Assets per employee ($millions) | 3.2171% | 5,609 |
| Cash dividends to net income (ytd only)* | 16.5121% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,410 |
| Loan loss allowance to noncurrent loans | 34.6427% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 2.9007% | 2,391 |
| Noncurrent loans to loans | 4.3432% | 1,639 |
| Net loans and leases to total assets | 57.6653% | 5,935 |
| Net loans and leases to deposits | 67.4588% | 6,173 |
| Net loans and leases to core deposits | 81.7167% | 6,211 |
| Total domestic deposits to total assets | 85.4823% | 2,980 |
| Equity capital to assets | 13.0080% | 1,691 |
| Core capital (leverage) ratio | 9.1161% | 4,461 |
| Tier 1 risk-based capital ratio | 13.3720% | 3,950 |
| Total risk-based capital ratio | 14.6235% | 3,887 |
| Memoranda: | ||
| Average total assets | $730,664,500 | 946 |
| Average earning assets | $629,898,250 | 1,006 |
| Average equity | $98,187,000 | 674 |
| Average total loans | $453,660,500 | 1,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 4,996 |
| Cost of funding earning assets | 1.1306% | 7,298 |
| Net interest margin | 4.2978% | 1,662 |
| Noninterest income to average assets | 0.6357% | 3,441 |
| Noninterest expense to average assets | 3.3037% | 2,940 |
| Loan and lease loss provision to assets | 0.1254% | 5,859 |
| Net operating income to assets | 0.6157% | 3,615 |
| Return on assets (ROA) | 0.6157% | 3,727 |
| Pretax return on assets | 0.9023% | 3,326 |
| Return on Equity (ROE) | 4.5298% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.6177% | 3,286 |
| Net charge-offs to loans | 0.1680% | 4,544 |
| Credit loss provision to net charge-offs | 117.8010% | 3,941 |
| Earnings coverage of net charge-offs (x) | 9.6571% | 2,094 |
| Efficiency ratio | 73.5657% | 4,099 |
| Assets per employee ($millions) | 3.1128% | 5,831 |
| Cash dividends to net income (ytd only)* | 20.1357% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 4,871 |
| Loan loss allowance to noncurrent loans | 38.2867% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 2.1768% | 2,965 |
| Noncurrent loans to loans | 3.1580% | 2,260 |
| Net loans and leases to total assets | 61.1480% | 5,495 |
| Net loans and leases to deposits | 71.6185% | 5,794 |
| Net loans and leases to core deposits | 85.4752% | 5,968 |
| Total domestic deposits to total assets | 85.3801% | 3,073 |
| Equity capital to assets | 13.1407% | 1,642 |
| Core capital (leverage) ratio | 9.2718% | 4,208 |
| Tier 1 risk-based capital ratio | 13.0188% | 4,138 |
| Total risk-based capital ratio | 14.1355% | 4,139 |
| Memoranda: | ||
| Average total assets | $717,923,670 | 974 |
| Average earning assets | $617,345,000 | 1,042 |
| Average equity | $97,577,000 | 687 |
| Average total loans | $454,829,330 | 1,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 4,561 |
| Cost of funding earning assets | 1.1775% | 7,347 |
| Net interest margin | 4.3857% | 1,384 |
| Noninterest income to average assets | 0.6438% | 3,241 |
| Noninterest expense to average assets | 3.2524% | 2,786 |
| Loan and lease loss provision to assets | 0.0853% | 5,864 |
| Net operating income to assets | 0.7194% | 3,463 |
| Return on assets (ROA) | 0.7194% | 3,662 |
| Pretax return on assets | 1.0680% | 3,112 |
| Return on Equity (ROE) | 5.2015% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.1118% | 3,614 |
| Net charge-offs to loans | 0.1525% | 3,736 |
| Credit loss provision to net charge-offs | 87.2093% | 4,061 |
| Earnings coverage of net charge-offs (x) | 11.7907% | 1,849 |
| Efficiency ratio | 71.1114% | 4,346 |
| Assets per employee ($millions) | 3.0153% | 6,111 |
| Cash dividends to net income (ytd only)* | 20.9486% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 4,694 |
| Loan loss allowance to noncurrent loans | 60.3709% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 3,843 |
| Noncurrent loans to loans | 2.0133% | 3,245 |
| Net loans and leases to total assets | 62.3014% | 5,271 |
| Net loans and leases to deposits | 73.4033% | 5,555 |
| Net loans and leases to core deposits | 87.2902% | 5,808 |
| Total domestic deposits to total assets | 84.8754% | 3,265 |
| Equity capital to assets | 13.6266% | 1,485 |
| Core capital (leverage) ratio | 9.7307% | 3,708 |
| Tier 1 risk-based capital ratio | 13.1417% | 4,089 |
| Total risk-based capital ratio | 14.2678% | 4,092 |
| Memoranda: | ||
| Average total assets | $703,350,500 | 1,000 |
| Average earning assets | $603,330,000 | 1,066 |
| Average equity | $97,280,500 | 690 |
| Average total loans | $451,039,500 | 1,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3222% | 3,846 |
| Cost of funding earning assets | 1.6579% | 7,342 |
| Net interest margin | 4.6642% | 1,034 |
| Noninterest income to average assets | 0.6584% | 3,411 |
| Noninterest expense to average assets | 3.5680% | 2,224 |
| Loan and lease loss provision to assets | 0.0441% | 6,864 |
| Net operating income to assets | 0.6850% | 3,959 |
| Return on assets (ROA) | 0.7409% | 3,549 |
| Pretax return on assets | 1.0829% | 3,081 |
| Return on Equity (ROE) | 5.3236% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.4325% | 3,004 |
| Net charge-offs to loans | 0.0248% | 6,496 |
| Credit loss provision to net charge-offs | 291.2621% | 1,560 |
| Earnings coverage of net charge-offs (x) | 69.0194% | 591 |
| Efficiency ratio | 74.6695% | 3,466 |
| Assets per employee ($millions) | 2.8474% | 6,454 |
| Cash dividends to net income (ytd only)* | 35.5216% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,323 |
| Loan loss allowance to noncurrent loans | 261.1348% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,025 |
| Noncurrent loans to loans | 0.4705% | 5,935 |
| Net loans and leases to total assets | 64.4290% | 5,187 |
| Net loans and leases to deposits | 76.7202% | 5,508 |
| Net loans and leases to core deposits | 89.5906% | 5,837 |
| Total domestic deposits to total assets | 83.9792% | 3,331 |
| Equity capital to assets | 14.0439% | 1,409 |
| Core capital (leverage) ratio | 9.5481% | 3,950 |
| Tier 1 risk-based capital ratio | 12.9362% | 4,146 |
| Total risk-based capital ratio | 14.0704% | 4,136 |
| Memoranda: | ||
| Average total assets | $680,484,800 | 976 |
| Average earning assets | $576,921,400 | 1,071 |
| Average equity | $94,711,000 | 706 |
| Average total loans | $416,125,200 | 1,153 |