Home > American Gateway Bank > Performance and Condition Ratios
American Gateway Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 5,325 |
| Cost of funding earning assets | 0.5428% | 1,907 |
| Net interest margin | 2.8087% | 5,621 |
| Noninterest income to average assets | 0.5817% | 2,757 |
| Noninterest expense to average assets | 3.3671% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0760% | 6,078 |
| Return on assets (ROA) | 0.7288% | 3,787 |
| Pretax return on assets | 1.1299% | 2,948 |
| Return on Equity (ROE) | 6.0225% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.5400% | 2,753 |
| Net charge-offs to loans | 0.1513% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 3,204 |
| Efficiency ratio | 103.9386% | 271 |
| Assets per employee ($millions) | 5.1193% | 2,201 |
| Cash dividends to net income (ytd only)* | 8.0119% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 3,337 |
| Loan loss allowance to noncurrent loans | 37.0199% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 1,484 |
| Noncurrent loans to loans | 3.5417% | 538 |
| Net loans and leases to total assets | 40.3839% | 5,575 |
| Net loans and leases to deposits | 53.2701% | 5,249 |
| Net loans and leases to core deposits | 59.5333% | 5,028 |
| Total domestic deposits to total assets | 75.8097% | 5,755 |
| Equity capital to assets | 12.0150% | 2,015 |
| Core capital (leverage) ratio | 11.8268% | 1,757 |
| Tier 1 risk-based capital ratio | 22.8332% | 1,130 |
| Total risk-based capital ratio | 23.8935% | 1,136 |
| Memoranda: | ||
| Average total assets | $369,932,000 | 1,804 |
| Average earning assets | $350,060,500 | 1,757 |
| Average equity | $44,765,500 | 1,672 |
| Average total loans | $155,999,500 | 2,540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,607 |
| Cost of funding earning assets | 0.6856% | 1,176 |
| Net interest margin | 3.0779% | 5,258 |
| Noninterest income to average assets | 0.7009% | 2,300 |
| Noninterest expense to average assets | 3.0860% | 2,574 |
| Loan and lease loss provision to assets | 0.0673% | 3,145 |
| Net operating income to assets | 0.3984% | 5,230 |
| Return on assets (ROA) | 0.5956% | 4,478 |
| Pretax return on assets | 0.6659% | 4,738 |
| Return on Equity (ROE) | 5.1209% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.6162% | 2,894 |
| Net charge-offs to loans | 0.1728% | 2,299 |
| Credit loss provision to net charge-offs | 85.3242% | 2,752 |
| Earnings coverage of net charge-offs (x) | 6.4846% | 3,189 |
| Efficiency ratio | 85.7784% | 1,196 |
| Assets per employee ($millions) | 4.1609% | 3,611 |
| Cash dividends to net income (ytd only)* | 9.8553% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 3,441 |
| Loan loss allowance to noncurrent loans | 41.0338% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 1,493 |
| Noncurrent loans to loans | 3.1620% | 698 |
| Net loans and leases to total assets | 42.8812% | 5,548 |
| Net loans and leases to deposits | 56.3994% | 5,157 |
| Net loans and leases to core deposits | 63.2256% | 4,896 |
| Total domestic deposits to total assets | 76.0313% | 5,722 |
| Equity capital to assets | 12.1888% | 1,872 |
| Core capital (leverage) ratio | 12.1500% | 1,533 |
| Tier 1 risk-based capital ratio | 22.9471% | 1,094 |
| Total risk-based capital ratio | 24.0599% | 1,088 |
| Memoranda: | ||
| Average total assets | $371,359,200 | 1,750 |
| Average earning assets | $349,493,200 | 1,706 |
| Average equity | $43,195,800 | 1,664 |
| Average total loans | $169,592,000 | 2,323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,554 |
| Cost of funding earning assets | 0.7061% | 1,125 |
| Net interest margin | 3.0912% | 5,284 |
| Noninterest income to average assets | 0.6973% | 2,341 |
| Noninterest expense to average assets | 3.0973% | 2,479 |
| Loan and lease loss provision to assets | 0.0894% | 2,567 |
| Net operating income to assets | 0.4175% | 5,184 |
| Return on assets (ROA) | 0.5256% | 4,846 |
| Pretax return on assets | 0.5256% | 5,248 |
| Return on Equity (ROE) | 4.5722% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.0649% | 3,755 |
| Net charge-offs to loans | 0.2485% | 1,552 |
| Credit loss provision to net charge-offs | 77.8816% | 2,636 |
| Earnings coverage of net charge-offs (x) | 4.4143% | 3,467 |
| Efficiency ratio | 85.9341% | 1,188 |
| Assets per employee ($millions) | 3.9374% | 4,018 |
| Cash dividends to net income (ytd only)* | 11.0961% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,181 |
| Loan loss allowance to noncurrent loans | 40.4129% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.9012% | 1,543 |
| Noncurrent loans to loans | 2.9886% | 897 |
| Net loans and leases to total assets | 45.9739% | 5,378 |
| Net loans and leases to deposits | 64.2431% | 4,509 |
| Net loans and leases to core deposits | 72.8109% | 4,073 |
| Total domestic deposits to total assets | 71.5625% | 6,199 |
| Equity capital to assets | 12.1676% | 1,929 |
| Core capital (leverage) ratio | 11.6088% | 1,973 |
| Tier 1 risk-based capital ratio | 21.5889% | 1,323 |
| Total risk-based capital ratio | 22.6387% | 1,346 |
| Memoranda: | ||
| Average total assets | $372,660,000 | 1,764 |
| Average earning assets | $350,453,250 | 1,717 |
| Average equity | $42,837,250 | 1,686 |
| Average total loans | $172,221,000 | 2,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,548 |
| Cost of funding earning assets | 0.7056% | 1,166 |
| Net interest margin | 3.0888% | 5,288 |
| Noninterest income to average assets | 0.7317% | 2,137 |
| Noninterest expense to average assets | 3.1664% | 2,289 |
| Loan and lease loss provision to assets | 0.1063% | 2,246 |
| Net operating income to assets | 0.3637% | 5,358 |
| Return on assets (ROA) | 0.5200% | 4,821 |
| Pretax return on assets | 0.5200% | 5,222 |
| Return on Equity (ROE) | 4.6106% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,565 |
| Net charge-offs to loans | 0.2076% | 1,776 |
| Credit loss provision to net charge-offs | 111.1111% | 1,803 |
| Earnings coverage of net charge-offs (x) | 4.9111% | 3,023 |
| Efficiency ratio | 87.0741% | 1,177 |
| Assets per employee ($millions) | 4.0380% | 3,759 |
| Cash dividends to net income (ytd only)* | 11.1452% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,309 |
| Loan loss allowance to noncurrent loans | 37.2374% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 1,494 |
| Noncurrent loans to loans | 3.2892% | 845 |
| Net loans and leases to total assets | 46.6807% | 5,297 |
| Net loans and leases to deposits | 64.8768% | 4,390 |
| Net loans and leases to core deposits | 73.3355% | 3,911 |
| Total domestic deposits to total assets | 71.9528% | 6,253 |
| Equity capital to assets | 11.8311% | 2,124 |
| Core capital (leverage) ratio | 11.2936% | 2,161 |
| Tier 1 risk-based capital ratio | 20.6638% | 1,521 |
| Total risk-based capital ratio | 21.7246% | 1,542 |
| Memoranda: | ||
| Average total assets | $376,133,330 | 1,745 |
| Average earning assets | $353,731,330 | 1,706 |
| Average equity | $42,424,330 | 1,686 |
| Average total loans | $173,437,330 | 2,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,470 |
| Cost of funding earning assets | 0.7006% | 1,245 |
| Net interest margin | 3.1042% | 5,235 |
| Noninterest income to average assets | 0.6623% | 2,389 |
| Noninterest expense to average assets | 3.0783% | 2,595 |
| Loan and lease loss provision to assets | 0.1314% | 1,849 |
| Net operating income to assets | 0.3711% | 5,228 |
| Return on assets (ROA) | 0.4594% | 4,968 |
| Pretax return on assets | 0.4615% | 5,283 |
| Return on Equity (ROE) | 4.1719% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.6564% | 3,941 |
| Net charge-offs to loans | 0.2215% | 1,436 |
| Credit loss provision to net charge-offs | 130.2083% | 1,386 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,446 |
| Efficiency ratio | 85.9155% | 1,465 |
| Assets per employee ($millions) | 3.8901% | 4,154 |
| Cash dividends to net income (ytd only)* | 12.3570% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,450 |
| Loan loss allowance to noncurrent loans | 35.0107% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 1,654 |
| Noncurrent loans to loans | 3.5293% | 820 |
| Net loans and leases to total assets | 45.2465% | 5,405 |
| Net loans and leases to deposits | 61.9660% | 4,550 |
| Net loans and leases to core deposits | 69.6778% | 4,129 |
| Total domestic deposits to total assets | 73.0182% | 6,305 |
| Equity capital to assets | 11.2442% | 2,486 |
| Core capital (leverage) ratio | 10.9401% | 2,447 |
| Tier 1 risk-based capital ratio | 20.3397% | 1,634 |
| Total risk-based capital ratio | 21.4006% | 1,653 |
| Memoranda: | ||
| Average total assets | $380,472,000 | 1,737 |
| Average earning assets | $357,971,000 | 1,699 |
| Average equity | $41,899,500 | 1,705 |
| Average total loans | $173,327,000 | 2,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,743 |
| Cost of funding earning assets | 0.8479% | 955 |
| Net interest margin | 3.2505% | 4,836 |
| Noninterest income to average assets | 0.7300% | 2,377 |
| Noninterest expense to average assets | 3.2104% | 2,385 |
| Loan and lease loss provision to assets | 0.1033% | 3,070 |
| Net operating income to assets | 0.4380% | 4,995 |
| Return on assets (ROA) | 0.4891% | 4,923 |
| Pretax return on assets | 0.5108% | 5,175 |
| Return on Equity (ROE) | 4.5056% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.9870% | 3,359 |
| Net charge-offs to loans | 0.8511% | 724 |
| Credit loss provision to net charge-offs | 24.3457% | 4,364 |
| Earnings coverage of net charge-offs (x) | 1.3220% | 4,622 |
| Efficiency ratio | 85.1274% | 1,505 |
| Assets per employee ($millions) | 3.8748% | 4,109 |
| Cash dividends to net income (ytd only)* | 11.5100% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 4,597 |
| Loan loss allowance to noncurrent loans | 32.3855% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1262% | 1,677 |
| Noncurrent loans to loans | 3.7437% | 797 |
| Net loans and leases to total assets | 44.7540% | 5,606 |
| Net loans and leases to deposits | 62.3868% | 4,685 |
| Net loans and leases to core deposits | 68.5870% | 4,439 |
| Total domestic deposits to total assets | 71.7362% | 6,439 |
| Equity capital to assets | 10.7846% | 2,838 |
| Core capital (leverage) ratio | 11.1602% | 2,231 |
| Tier 1 risk-based capital ratio | 20.3037% | 1,586 |
| Total risk-based capital ratio | 21.3583% | 1,599 |
| Memoranda: | ||
| Average total assets | $387,241,000 | 1,700 |
| Average earning assets | $362,312,400 | 1,663 |
| Average equity | $42,036,200 | 1,669 |
| Average total loans | $193,053,400 | 2,067 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 3,507 |
| Cost of funding earning assets | 0.8861% | 875 |
| Net interest margin | 3.2794% | 4,720 |
| Noninterest income to average assets | 0.7519% | 2,362 |
| Noninterest expense to average assets | 3.2681% | 2,155 |
| Loan and lease loss provision to assets | 0.0515% | 3,992 |
| Net operating income to assets | 0.4800% | 4,889 |
| Return on assets (ROA) | 0.4847% | 5,024 |
| Pretax return on assets | 0.5022% | 5,352 |
| Return on Equity (ROE) | 4.4577% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.9428% | 3,883 |
| Net charge-offs to loans | 0.8793% | 661 |
| Credit loss provision to net charge-offs | 11.4943% | 4,202 |
| Earnings coverage of net charge-offs (x) | 1.2245% | 4,432 |
| Efficiency ratio | 85.6192% | 1,397 |
| Assets per employee ($millions) | 3.9441% | 3,954 |
| Cash dividends to net income (ytd only)* | 11.5522% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,999 |
| Loan loss allowance to noncurrent loans | 24.0364% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 2.9638% | 1,251 |
| Noncurrent loans to loans | 4.8799% | 630 |
| Net loans and leases to total assets | 49.3583% | 5,205 |
| Net loans and leases to deposits | 70.5469% | 3,709 |
| Net loans and leases to core deposits | 77.3620% | 3,447 |
| Total domestic deposits to total assets | 69.9652% | 6,600 |
| Equity capital to assets | 11.0743% | 2,695 |
| Core capital (leverage) ratio | 10.7992% | 2,669 |
| Tier 1 risk-based capital ratio | 19.0648% | 1,973 |
| Total risk-based capital ratio | 20.1074% | 1,993 |
| Memoranda: | ||
| Average total assets | $388,150,250 | 1,705 |
| Average earning assets | $362,776,500 | 1,668 |
| Average equity | $42,202,750 | 1,672 |
| Average total loans | $197,870,500 | 2,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 3,289 |
| Cost of funding earning assets | 0.9138% | 836 |
| Net interest margin | 3.3043% | 4,565 |
| Noninterest income to average assets | 0.7136% | 2,577 |
| Noninterest expense to average assets | 3.2508% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5104% | 4,766 |
| Return on assets (ROA) | 0.5170% | 4,895 |
| Pretax return on assets | 0.5532% | 5,189 |
| Return on Equity (ROE) | 4.7833% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.2697% | 3,578 |
| Net charge-offs to loans | 0.4875% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1833% | 3,799 |
| Efficiency ratio | 85.6185% | 1,452 |
| Assets per employee ($millions) | 3.5950% | 4,640 |
| Cash dividends to net income (ytd only)* | 10.7389% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,722 |
| Loan loss allowance to noncurrent loans | 41.5734% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 3.1171% | 1,285 |
| Noncurrent loans to loans | 3.5349% | 1,186 |
| Net loans and leases to total assets | 50.7824% | 5,023 |
| Net loans and leases to deposits | 72.3046% | 3,410 |
| Net loans and leases to core deposits | 79.1041% | 3,153 |
| Total domestic deposits to total assets | 70.2340% | 6,652 |
| Equity capital to assets | 10.9985% | 2,747 |
| Core capital (leverage) ratio | 10.4140% | 2,971 |
| Tier 1 risk-based capital ratio | 18.1045% | 2,285 |
| Total risk-based capital ratio | 19.3552% | 2,243 |
| Memoranda: | ||
| Average total assets | $392,637,330 | 1,690 |
| Average earning assets | $366,370,670 | 1,651 |
| Average equity | $42,439,000 | 1,661 |
| Average total loans | $201,449,000 | 1,999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,123 |
| Cost of funding earning assets | 0.9298% | 847 |
| Net interest margin | 3.3181% | 4,452 |
| Noninterest income to average assets | 0.6766% | 2,714 |
| Noninterest expense to average assets | 3.0923% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6228% | 4,107 |
| Return on assets (ROA) | 0.5437% | 4,635 |
| Pretax return on assets | 0.5967% | 4,958 |
| Return on Equity (ROE) | 5.0722% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.0722% | 3,193 |
| Net charge-offs to loans | 0.1445% | 2,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.2432% | 1,866 |
| Efficiency ratio | 81.8952% | 2,047 |
| Assets per employee ($millions) | 3.9612% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,329 |
| Loan loss allowance to noncurrent loans | 54.2294% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.5884% | 1,770 |
| Noncurrent loans to loans | 2.9816% | 1,684 |
| Net loans and leases to total assets | 50.3226% | 4,939 |
| Net loans and leases to deposits | 73.9596% | 2,924 |
| Net loans and leases to core deposits | 80.7902% | 2,715 |
| Total domestic deposits to total assets | 68.0407% | 6,805 |
| Equity capital to assets | 10.8564% | 3,133 |
| Core capital (leverage) ratio | 10.0139% | 3,366 |
| Tier 1 risk-based capital ratio | 17.0553% | 2,720 |
| Total risk-based capital ratio | 18.3255% | 2,688 |
| Memoranda: | ||
| Average total assets | $400,220,500 | 1,671 |
| Average earning assets | $373,829,500 | 1,638 |
| Average equity | $42,900,500 | 1,668 |
| Average total loans | $204,899,500 | 1,986 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 3,767 |
| Cost of funding earning assets | 1.1653% | 676 |
| Net interest margin | 3.2461% | 5,439 |
| Noninterest income to average assets | 0.5963% | 3,299 |
| Noninterest expense to average assets | 3.2034% | 2,601 |
| Loan and lease loss provision to assets | -0.0600% | 6,880 |
| Net operating income to assets | 0.4632% | 4,826 |
| Return on assets (ROA) | 0.4599% | 5,091 |
| Pretax return on assets | 0.4685% | 5,375 |
| Return on Equity (ROE) | 4.6385% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.6385% | 2,956 |
| Net charge-offs to loans | 0.3355% | 2,960 |
| Credit loss provision to net charge-offs | -34.3407% | 6,259 |
| Earnings coverage of net charge-offs (x) | 2.3558% | 4,235 |
| Efficiency ratio | 88.6084% | 1,185 |
| Assets per employee ($millions) | 3.9255% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,229 |
| Loan loss allowance to noncurrent loans | 56.9437% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4725% | 1,979 |
| Noncurrent loans to loans | 2.8395% | 1,850 |
| Net loans and leases to total assets | 50.4141% | 5,112 |
| Net loans and leases to deposits | 73.5497% | 3,164 |
| Net loans and leases to core deposits | 80.8418% | 2,899 |
| Total domestic deposits to total assets | 68.5444% | 6,839 |
| Equity capital to assets | 10.5848% | 3,420 |
| Core capital (leverage) ratio | 10.1535% | 3,191 |
| Tier 1 risk-based capital ratio | 16.5522% | 2,862 |
| Total risk-based capital ratio | 17.8270% | 2,821 |
| Memoranda: | ||
| Average total assets | $416,428,000 | 1,572 |
| Average earning assets | $387,293,800 | 1,552 |
| Average equity | $41,285,200 | 1,691 |
| Average total loans | $216,997,200 | 1,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 3,861 |
| Cost of funding earning assets | 1.2111% | 660 |
| Net interest margin | 3.2324% | 5,606 |
| Noninterest income to average assets | 0.5312% | 3,736 |
| Noninterest expense to average assets | 3.2073% | 2,544 |
| Loan and lease loss provision to assets | -0.0795% | 7,019 |
| Net operating income to assets | 0.4142% | 5,188 |
| Return on assets (ROA) | 0.3830% | 5,529 |
| Pretax return on assets | 0.3764% | 5,772 |
| Return on Equity (ROE) | 3.9275% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.9275% | 4,122 |
| Net charge-offs to loans | 0.3500% | 2,702 |
| Credit loss provision to net charge-offs | -43.4028% | 6,168 |
| Earnings coverage of net charge-offs (x) | 1.7917% | 4,373 |
| Efficiency ratio | 90.7211% | 987 |
| Assets per employee ($millions) | 3.6126% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 3,201 |
| Loan loss allowance to noncurrent loans | 49.3031% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.9417% | 1,780 |
| Noncurrent loans to loans | 3.4152% | 1,597 |
| Net loans and leases to total assets | 50.9929% | 5,187 |
| Net loans and leases to deposits | 76.8620% | 2,846 |
| Net loans and leases to core deposits | 84.9141% | 2,586 |
| Total domestic deposits to total assets | 66.3435% | 6,970 |
| Equity capital to assets | 10.5076% | 3,836 |
| Core capital (leverage) ratio | 9.7110% | 3,943 |
| Tier 1 risk-based capital ratio | 15.9867% | 3,269 |
| Total risk-based capital ratio | 17.2622% | 3,223 |
| Memoranda: | ||
| Average total assets | $419,453,750 | 1,583 |
| Average earning assets | $389,829,000 | 1,555 |
| Average equity | $40,907,250 | 1,720 |
| Average total loans | $219,449,750 | 1,856 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 3,805 |
| Cost of funding earning assets | 1.2333% | 704 |
| Net interest margin | 3.2582% | 5,567 |
| Noninterest income to average assets | 0.3515% | 5,029 |
| Noninterest expense to average assets | 3.1179% | 2,866 |
| Loan and lease loss provision to assets | -0.1175% | 7,117 |
| Net operating income to assets | 0.3877% | 5,256 |
| Return on assets (ROA) | 0.3835% | 5,512 |
| Pretax return on assets | 0.3736% | 5,772 |
| Return on Equity (ROE) | 4.0298% | 5,252 |
| Retained earnings to average equity (ytd only) | 4.0298% | 3,929 |
| Net charge-offs to loans | 0.2875% | 2,883 |
| Credit loss provision to net charge-offs | -77.8816% | 6,042 |
| Earnings coverage of net charge-offs (x) | 1.7259% | 4,119 |
| Efficiency ratio | 92.2938% | 915 |
| Assets per employee ($millions) | 3.6847% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 2,951 |
| Loan loss allowance to noncurrent loans | 58.5841% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.7837% | 1,981 |
| Noncurrent loans to loans | 3.0237% | 1,951 |
| Net loans and leases to total assets | 51.8729% | 5,118 |
| Net loans and leases to deposits | 77.5929% | 2,733 |
| Net loans and leases to core deposits | 86.9607% | 2,317 |
| Total domestic deposits to total assets | 66.8526% | 7,027 |
| Equity capital to assets | 10.2861% | 3,955 |
| Core capital (leverage) ratio | 9.2102% | 4,596 |
| Tier 1 risk-based capital ratio | 15.4325% | 3,489 |
| Total risk-based capital ratio | 16.7094% | 3,434 |
| Memoranda: | ||
| Average total assets | $425,606,670 | 1,565 |
| Average earning assets | $395,373,330 | 1,540 |
| Average equity | $40,498,000 | 1,724 |
| Average total loans | $223,272,670 | 1,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 4,071 |
| Cost of funding earning assets | 1.2303% | 848 |
| Net interest margin | 3.2296% | 5,701 |
| Noninterest income to average assets | 0.1325% | 6,583 |
| Noninterest expense to average assets | 2.9763% | 3,349 |
| Loan and lease loss provision to assets | -0.2742% | 7,227 |
| Net operating income to assets | 0.4351% | 5,107 |
| Return on assets (ROA) | 0.4241% | 5,336 |
| Pretax return on assets | 0.4214% | 5,662 |
| Return on Equity (ROE) | 4.6295% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.6295% | 3,792 |
| Net charge-offs to loans | 0.2499% | 2,671 |
| Credit loss provision to net charge-offs | -209.7902% | 5,609 |
| Earnings coverage of net charge-offs (x) | 1.2098% | 3,732 |
| Efficiency ratio | 94.9548% | 774 |
| Assets per employee ($millions) | 3.8753% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 3,170 |
| Loan loss allowance to noncurrent loans | 46.5883% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.8708% | 2,030 |
| Noncurrent loans to loans | 3.7515% | 1,657 |
| Net loans and leases to total assets | 51.2330% | 5,115 |
| Net loans and leases to deposits | 74.7223% | 3,010 |
| Net loans and leases to core deposits | 87.5929% | 2,104 |
| Total domestic deposits to total assets | 68.5645% | 7,037 |
| Equity capital to assets | 9.4202% | 4,922 |
| Core capital (leverage) ratio | 8.7617% | 5,180 |
| Tier 1 risk-based capital ratio | 14.5257% | 4,086 |
| Total risk-based capital ratio | 15.8010% | 4,023 |
| Memoranda: | ||
| Average total assets | $437,595,000 | 1,524 |
| Average earning assets | $406,743,000 | 1,492 |
| Average equity | $40,091,000 | 1,733 |
| Average total loans | $228,862,000 | 1,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 4,118 |
| Cost of funding earning assets | 1.3588% | 1,203 |
| Net interest margin | 3.3722% | 5,571 |
| Noninterest income to average assets | 0.5753% | 3,329 |
| Noninterest expense to average assets | 2.9439% | 3,799 |
| Loan and lease loss provision to assets | 0.7626% | 1,312 |
| Net operating income to assets | 0.1266% | 5,801 |
| Return on assets (ROA) | -0.0271% | 6,185 |
| Pretax return on assets | -0.2554% | 6,326 |
| Return on Equity (ROE) | -0.3143% | 6,193 |
| Retained earnings to average equity (ytd only) | -0.6861% | 5,958 |
| Net charge-offs to loans | 1.5607% | 1,015 |
| Credit loss provision to net charge-offs | 84.6906% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.8299% | 5,177 |
| Efficiency ratio | 79.7567% | 2,335 |
| Assets per employee ($millions) | 4.3164% | 3,221 |
| Cash dividends to net income (ytd only)* | -118.3333% | 7,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,750 |
| Loan loss allowance to noncurrent loans | 50.2555% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.0089% | 2,003 |
| Noncurrent loans to loans | 3.6578% | 1,729 |
| Net loans and leases to total assets | 51.4836% | 5,391 |
| Net loans and leases to deposits | 73.5700% | 3,568 |
| Net loans and leases to core deposits | 86.4477% | 2,579 |
| Total domestic deposits to total assets | 69.9791% | 6,991 |
| Equity capital to assets | 8.9162% | 5,660 |
| Core capital (leverage) ratio | 8.6021% | 5,395 |
| Tier 1 risk-based capital ratio | 13.6932% | 4,561 |
| Total risk-based capital ratio | 14.9686% | 4,503 |
| Memoranda: | ||
| Average total assets | $443,248,400 | 1,474 |
| Average earning assets | $409,559,200 | 1,459 |
| Average equity | $38,185,000 | 1,766 |
| Average total loans | $255,710,800 | 1,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 3,992 |
| Cost of funding earning assets | 1.3931% | 1,262 |
| Net interest margin | 3.4144% | 5,527 |
| Noninterest income to average assets | 0.5679% | 3,385 |
| Noninterest expense to average assets | 2.9558% | 3,722 |
| Loan and lease loss provision to assets | 0.8993% | 994 |
| Net operating income to assets | 0.0341% | 6,102 |
| Return on assets (ROA) | -0.1569% | 6,414 |
| Pretax return on assets | -0.4348% | 6,585 |
| Return on Equity (ROE) | -1.8378% | 6,465 |
| Retained earnings to average equity (ytd only) | -2.3397% | 6,339 |
| Net charge-offs to loans | 1.9495% | 662 |
| Credit loss provision to net charge-offs | 78.1537% | 4,204 |
| Earnings coverage of net charge-offs (x) | 0.6630% | 5,127 |
| Efficiency ratio | 79.4855% | 2,337 |
| Assets per employee ($millions) | 4.1309% | 3,583 |
| Cash dividends to net income (ytd only)* | -27.3077% | 7,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 3,298 |
| Loan loss allowance to noncurrent loans | 44.8890% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 3.7088% | 1,685 |
| Noncurrent loans to loans | 3.7725% | 1,798 |
| Net loans and leases to total assets | 54.9532% | 5,004 |
| Net loans and leases to deposits | 80.3234% | 2,611 |
| Net loans and leases to core deposits | 97.9494% | 1,427 |
| Total domestic deposits to total assets | 68.4150% | 7,121 |
| Equity capital to assets | 9.1387% | 5,596 |
| Core capital (leverage) ratio | 8.4863% | 5,732 |
| Tier 1 risk-based capital ratio | 13.0976% | 5,024 |
| Total risk-based capital ratio | 14.3731% | 4,984 |
| Memoranda: | ||
| Average total assets | $441,834,500 | 1,488 |
| Average earning assets | $407,709,250 | 1,480 |
| Average equity | $37,725,000 | 1,790 |
| Average total loans | $260,778,500 | 1,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 3,871 |
| Cost of funding earning assets | 1.4189% | 1,334 |
| Net interest margin | 3.4298% | 5,443 |
| Noninterest income to average assets | 0.5448% | 3,511 |
| Noninterest expense to average assets | 3.0648% | 3,377 |
| Loan and lease loss provision to assets | 0.5759% | 1,684 |
| Net operating income to assets | 0.0702% | 6,081 |
| Return on assets (ROA) | -0.3748% | 6,627 |
| Pretax return on assets | -0.3761% | 6,580 |
| Return on Equity (ROE) | -4.4921% | 6,681 |
| Retained earnings to average equity (ytd only) | -5.2579% | 6,586 |
| Net charge-offs to loans | 1.0252% | 1,538 |
| Credit loss provision to net charge-offs | 93.5673% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.0475% | 4,505 |
| Efficiency ratio | 82.6198% | 2,007 |
| Assets per employee ($millions) | 4.0247% | 3,704 |
| Cash dividends to net income (ytd only)* | -17.0468% | 7,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 2,668 |
| Loan loss allowance to noncurrent loans | 55.6882% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.3101% | 2,013 |
| Noncurrent loans to loans | 3.4116% | 2,080 |
| Net loans and leases to total assets | 57.6255% | 4,702 |
| Net loans and leases to deposits | 83.5195% | 2,178 |
| Net loans and leases to core deposits | 102.6898% | 1,137 |
| Total domestic deposits to total assets | 68.9964% | 7,155 |
| Equity capital to assets | 8.5872% | 6,074 |
| Core capital (leverage) ratio | 8.2715% | 5,912 |
| Tier 1 risk-based capital ratio | 12.7802% | 5,109 |
| Total risk-based capital ratio | 14.0349% | 5,074 |
| Memoranda: | ||
| Average total assets | $444,530,330 | 1,495 |
| Average earning assets | $410,167,330 | 1,479 |
| Average equity | $37,087,000 | 1,804 |
| Average total loans | $266,883,330 | 1,616 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 3,828 |
| Cost of funding earning assets | 1.4141% | 1,542 |
| Net interest margin | 3.4340% | 5,290 |
| Noninterest income to average assets | 0.5669% | 3,389 |
| Noninterest expense to average assets | 2.8826% | 4,136 |
| Loan and lease loss provision to assets | 0.4895% | 1,796 |
| Net operating income to assets | 0.3658% | 5,096 |
| Return on assets (ROA) | 0.3533% | 5,237 |
| Pretax return on assets | 0.3506% | 5,505 |
| Return on Equity (ROE) | 4.2957% | 4,751 |
| Retained earnings to average equity (ytd only) | 2.7592% | 4,510 |
| Net charge-offs to loans | 0.6426% | 1,919 |
| Credit loss provision to net charge-offs | 125.5708% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.1872% | 3,219 |
| Efficiency ratio | 77.1742% | 2,958 |
| Assets per employee ($millions) | 4.1861% | 3,480 |
| Cash dividends to net income (ytd only)* | 35.7683% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 2,698 |
| Loan loss allowance to noncurrent loans | 51.6251% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 3.3017% | 2,076 |
| Noncurrent loans to loans | 3.6768% | 2,005 |
| Net loans and leases to total assets | 57.7427% | 4,680 |
| Net loans and leases to deposits | 84.9193% | 1,895 |
| Net loans and leases to core deposits | 105.0566% | 996 |
| Total domestic deposits to total assets | 67.9972% | 7,265 |
| Equity capital to assets | 8.3036% | 6,156 |
| Core capital (leverage) ratio | 8.3630% | 5,695 |
| Tier 1 risk-based capital ratio | 12.6374% | 5,127 |
| Total risk-based capital ratio | 13.8930% | 5,099 |
| Memoranda: | ||
| Average total assets | $449,461,000 | 1,493 |
| Average earning assets | $414,678,500 | 1,475 |
| Average equity | $36,967,500 | 1,799 |
| Average total loans | $272,659,500 | 1,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 3,379 |
| Cost of funding earning assets | 1.5081% | 2,589 |
| Net interest margin | 3.7383% | 4,189 |
| Noninterest income to average assets | 0.6021% | 3,464 |
| Noninterest expense to average assets | 2.9488% | 4,039 |
| Loan and lease loss provision to assets | 0.9969% | 1,630 |
| Net operating income to assets | 0.1457% | 5,454 |
| Return on assets (ROA) | 0.2927% | 5,123 |
| Pretax return on assets | 0.2685% | 5,316 |
| Return on Equity (ROE) | 3.6263% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.0476% | 4,441 |
| Net charge-offs to loans | 1.2362% | 1,816 |
| Credit loss provision to net charge-offs | 123.0978% | 3,382 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 4,728 |
| Efficiency ratio | 72.5015% | 3,701 |
| Assets per employee ($millions) | 4.0993% | 3,579 |
| Cash dividends to net income (ytd only)* | 43.5338% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 2,961 |
| Loan loss allowance to noncurrent loans | 47.1189% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 3.3369% | 2,113 |
| Noncurrent loans to loans | 3.7541% | 1,973 |
| Net loans and leases to total assets | 61.3833% | 4,424 |
| Net loans and leases to deposits | 90.8810% | 1,412 |
| Net loans and leases to core deposits | 111.8977% | 818 |
| Total domestic deposits to total assets | 67.5425% | 7,339 |
| Equity capital to assets | 8.1452% | 6,326 |
| Core capital (leverage) ratio | 8.4948% | 5,379 |
| Tier 1 risk-based capital ratio | 11.9425% | 5,526 |
| Total risk-based capital ratio | 13.1966% | 5,500 |
| Memoranda: | ||
| Average total assets | $454,389,000 | 1,463 |
| Average earning assets | $421,179,000 | 1,437 |
| Average equity | $36,676,400 | 1,806 |
| Average total loans | $297,698,000 | 1,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 3,309 |
| Cost of funding earning assets | 1.5216% | 2,833 |
| Net interest margin | 3.7872% | 4,024 |
| Noninterest income to average assets | 0.5979% | 3,452 |
| Noninterest expense to average assets | 3.0291% | 3,648 |
| Loan and lease loss provision to assets | 1.0607% | 1,387 |
| Net operating income to assets | 0.0225% | 5,952 |
| Return on assets (ROA) | 0.1923% | 5,687 |
| Pretax return on assets | 0.1923% | 5,745 |
| Return on Equity (ROE) | 2.3874% | 5,466 |
| Retained earnings to average equity (ytd only) | 0.9180% | 5,435 |
| Net charge-offs to loans | 1.3354% | 1,520 |
| Credit loss provision to net charge-offs | 119.8811% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.2242% | 4,839 |
| Efficiency ratio | 73.6588% | 3,388 |
| Assets per employee ($millions) | 3.8900% | 4,053 |
| Cash dividends to net income (ytd only)* | 61.5506% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,428 |
| Loan loss allowance to noncurrent loans | 45.4202% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 3.2535% | 2,195 |
| Noncurrent loans to loans | 3.5762% | 2,193 |
| Net loans and leases to total assets | 64.0660% | 4,114 |
| Net loans and leases to deposits | 97.4040% | 852 |
| Net loans and leases to core deposits | 122.9637% | 525 |
| Total domestic deposits to total assets | 65.7735% | 7,479 |
| Equity capital to assets | 8.4847% | 6,290 |
| Core capital (leverage) ratio | 8.2786% | 5,912 |
| Tier 1 risk-based capital ratio | 11.3440% | 6,060 |
| Total risk-based capital ratio | 12.5965% | 6,051 |
| Memoranda: | ||
| Average total assets | $456,279,500 | 1,474 |
| Average earning assets | $423,414,750 | 1,452 |
| Average equity | $36,746,750 | 1,821 |
| Average total loans | $302,318,500 | 1,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 3,193 |
| Cost of funding earning assets | 1.5257% | 3,100 |
| Net interest margin | 3.8287% | 3,772 |
| Noninterest income to average assets | 0.6123% | 3,239 |
| Noninterest expense to average assets | 3.0581% | 3,482 |
| Loan and lease loss provision to assets | 0.7817% | 1,843 |
| Net operating income to assets | 0.2839% | 5,248 |
| Return on assets (ROA) | 0.4942% | 4,514 |
| Pretax return on assets | 0.5741% | 4,652 |
| Return on Equity (ROE) | 6.2435% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.7622% | 3,032 |
| Net charge-offs to loans | 0.8963% | 2,041 |
| Credit loss provision to net charge-offs | 130.9091% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.8611% | 4,126 |
| Efficiency ratio | 73.3465% | 3,590 |
| Assets per employee ($millions) | 3.7985% | 4,224 |
| Cash dividends to net income (ytd only)* | 23.7258% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,897 |
| Loan loss allowance to noncurrent loans | 38.7534% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.3612% | 2,091 |
| Noncurrent loans to loans | 3.8853% | 1,970 |
| Net loans and leases to total assets | 66.4425% | 3,744 |
| Net loans and leases to deposits | 99.4899% | 766 |
| Net loans and leases to core deposits | 125.7251% | 523 |
| Total domestic deposits to total assets | 66.7831% | 7,495 |
| Equity capital to assets | 8.2712% | 6,461 |
| Core capital (leverage) ratio | 8.3236% | 5,714 |
| Tier 1 risk-based capital ratio | 11.2414% | 6,009 |
| Total risk-based capital ratio | 12.4608% | 6,013 |
| Memoranda: | ||
| Average total assets | $460,554,330 | 1,483 |
| Average earning assets | $427,878,330 | 1,452 |
| Average equity | $36,453,670 | 1,828 |
| Average total loans | $306,826,330 | 1,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 3,428 |
| Cost of funding earning assets | 1.5388% | 3,335 |
| Net interest margin | 3.7850% | 3,854 |
| Noninterest income to average assets | 0.5915% | 3,333 |
| Noninterest expense to average assets | 2.9900% | 3,719 |
| Loan and lease loss provision to assets | 0.6829% | 1,867 |
| Net operating income to assets | 0.3972% | 4,854 |
| Return on assets (ROA) | 0.5471% | 4,284 |
| Pretax return on assets | 0.6043% | 4,587 |
| Return on Equity (ROE) | 7.0632% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.5756% | 2,826 |
| Net charge-offs to loans | 0.9241% | 1,737 |
| Credit loss provision to net charge-offs | 111.5760% | 3,102 |
| Earnings coverage of net charge-offs (x) | 1.8340% | 3,636 |
| Efficiency ratio | 72.7065% | 3,806 |
| Assets per employee ($millions) | 4.0207% | 3,820 |
| Cash dividends to net income (ytd only)* | 21.0608% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,619 |
| Loan loss allowance to noncurrent loans | 41.6450% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.7785% | 2,617 |
| Noncurrent loans to loans | 3.2690% | 2,440 |
| Net loans and leases to total assets | 65.3756% | 4,026 |
| Net loans and leases to deposits | 97.0451% | 997 |
| Net loans and leases to core deposits | 121.3603% | 731 |
| Total domestic deposits to total assets | 67.3662% | 7,559 |
| Equity capital to assets | 7.9407% | 6,717 |
| Core capital (leverage) ratio | 7.9222% | 6,354 |
| Tier 1 risk-based capital ratio | 11.0685% | 6,096 |
| Total risk-based capital ratio | 12.3168% | 6,067 |
| Memoranda: | ||
| Average total assets | $468,622,000 | 1,495 |
| Average earning assets | $435,936,500 | 1,463 |
| Average equity | $36,301,000 | 1,849 |
| Average total loans | $310,341,000 | 1,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,549 |
| Cost of funding earning assets | 1.6947% | 4,538 |
| Net interest margin | 4.1305% | 2,314 |
| Noninterest income to average assets | 0.7004% | 2,978 |
| Noninterest expense to average assets | 2.9573% | 4,314 |
| Loan and lease loss provision to assets | 0.5428% | 3,657 |
| Net operating income to assets | 0.8705% | 2,278 |
| Return on assets (ROA) | 0.8204% | 2,540 |
| Pretax return on assets | 0.9681% | 2,695 |
| Return on Equity (ROE) | 10.9584% | 1,437 |
| Retained earnings to average equity (ytd only) | 8.9318% | 507 |
| Net charge-offs to loans | 0.3221% | 4,624 |
| Credit loss provision to net charge-offs | 241.0180% | 1,484 |
| Earnings coverage of net charge-offs (x) | 6.9701% | 2,252 |
| Efficiency ratio | 65.3245% | 5,530 |
| Assets per employee ($millions) | 4.3170% | 3,249 |
| Cash dividends to net income (ytd only)* | 18.4932% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,756 |
| Loan loss allowance to noncurrent loans | 52.3560% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.1880% | 3,147 |
| Noncurrent loans to loans | 2.4855% | 3,056 |
| Net loans and leases to total assets | 65.3108% | 4,322 |
| Net loans and leases to deposits | 96.4452% | 1,277 |
| Net loans and leases to core deposits | 130.3901% | 1,258 |
| Total domestic deposits to total assets | 67.7180% | 7,568 |
| Equity capital to assets | 7.5571% | 6,979 |
| Core capital (leverage) ratio | 7.9835% | 6,222 |
| Tier 1 risk-based capital ratio | 10.7567% | 6,150 |
| Total risk-based capital ratio | 11.9622% | 6,172 |
| Memoranda: | ||
| Average total assets | $444,892,200 | 1,562 |
| Average earning assets | $412,179,200 | 1,537 |
| Average equity | $33,307,800 | 2,014 |
| Average total loans | $311,096,800 | 1,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9288% | 2,322 |
| Cost of funding earning assets | 1.7252% | 4,772 |
| Net interest margin | 4.2035% | 2,050 |
| Noninterest income to average assets | 0.7453% | 2,733 |
| Noninterest expense to average assets | 3.1376% | 3,510 |
| Loan and lease loss provision to assets | 0.2515% | 4,938 |
| Net operating income to assets | 1.0082% | 2,025 |
| Return on assets (ROA) | 1.0337% | 2,018 |
| Pretax return on assets | 1.2757% | 2,024 |
| Return on Equity (ROE) | 13.8419% | 963 |
| Retained earnings to average equity (ytd only) | 12.1887% | 325 |
| Net charge-offs to loans | -0.0571% | 7,870 |
| Credit loss provision to net charge-offs | -620.3008% | 7,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7171% | 5,039 |
| Assets per employee ($millions) | 4.2870% | 3,224 |
| Cash dividends to net income (ytd only)* | 11.9435% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,524 |
| Loan loss allowance to noncurrent loans | 62.8829% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 3,479 |
| Noncurrent loans to loans | 1.8003% | 3,912 |
| Net loans and leases to total assets | 70.5028% | 3,391 |
| Net loans and leases to deposits | 105.4899% | 680 |
| Net loans and leases to core deposits | 143.2220% | 789 |
| Total domestic deposits to total assets | 66.8337% | 7,644 |
| Equity capital to assets | 7.9478% | 6,897 |
| Core capital (leverage) ratio | 8.2244% | 5,974 |
| Tier 1 risk-based capital ratio | 10.6882% | 6,259 |
| Total risk-based capital ratio | 11.7525% | 6,419 |
| Memoranda: | ||
| Average total assets | $437,399,000 | 1,593 |
| Average earning assets | $404,570,250 | 1,579 |
| Average equity | $32,663,250 | 2,068 |
| Average total loans | $310,314,250 | 1,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0129% | 2,136 |
| Cost of funding earning assets | 1.7746% | 4,884 |
| Net interest margin | 4.2382% | 1,852 |
| Noninterest income to average assets | 0.7212% | 2,858 |
| Noninterest expense to average assets | 3.2340% | 3,219 |
| Loan and lease loss provision to assets | 0.2078% | 4,968 |
| Net operating income to assets | 0.9585% | 2,250 |
| Return on assets (ROA) | 0.9798% | 2,273 |
| Pretax return on assets | 1.2171% | 2,250 |
| Return on Equity (ROE) | 13.4195% | 1,094 |
| Retained earnings to average equity (ytd only) | 11.7120% | 483 |
| Net charge-offs to loans | -0.1095% | 7,966 |
| Credit loss provision to net charge-offs | -267.8571% | 7,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8096% | 4,818 |
| Assets per employee ($millions) | 4.0340% | 3,615 |
| Cash dividends to net income (ytd only)* | 12.7238% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,019 |
| Loan loss allowance to noncurrent loans | 104.8377% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 4,279 |
| Noncurrent loans to loans | 0.9827% | 5,243 |
| Net loans and leases to total assets | 70.0347% | 3,702 |
| Net loans and leases to deposits | 103.5168% | 944 |
| Net loans and leases to core deposits | 134.8420% | 1,270 |
| Total domestic deposits to total assets | 67.6554% | 7,642 |
| Equity capital to assets | 7.3033% | 7,411 |
| Core capital (leverage) ratio | 7.8800% | 6,519 |
| Tier 1 risk-based capital ratio | 10.1872% | 6,729 |
| Total risk-based capital ratio | 11.1361% | 6,982 |
| Memoranda: | ||
| Average total assets | $433,152,670 | 1,632 |
| Average earning assets | $399,743,000 | 1,625 |
| Average equity | $31,625,670 | 2,137 |
| Average total loans | $306,754,330 | 1,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9074% | 2,761 |
| Cost of funding earning assets | 1.8321% | 4,963 |
| Net interest margin | 4.0753% | 2,379 |
| Noninterest income to average assets | 0.6946% | 2,921 |
| Noninterest expense to average assets | 3.0078% | 3,737 |
| Loan and lease loss provision to assets | 0.2124% | 4,322 |
| Net operating income to assets | 1.0206% | 2,229 |
| Return on assets (ROA) | 1.0268% | 2,347 |
| Pretax return on assets | 1.2335% | 2,502 |
| Return on Equity (ROE) | 14.0659% | 1,158 |
| Retained earnings to average equity (ytd only) | 12.3206% | 739 |
| Net charge-offs to loans | 0.0107% | 5,479 |
| Credit loss provision to net charge-offs | 2,812.5000% | 242 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 225 |
| Efficiency ratio | 67.6502% | 5,031 |
| Assets per employee ($millions) | 3.7506% | 4,232 |
| Cash dividends to net income (ytd only)* | 12.4081% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 6,496 |
| Loan loss allowance to noncurrent loans | 99.8275% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5627% | 3,588 |
| Noncurrent loans to loans | 0.9505% | 5,097 |
| Net loans and leases to total assets | 69.4103% | 3,818 |
| Net loans and leases to deposits | 102.7247% | 1,116 |
| Net loans and leases to core deposits | 133.6000% | 1,437 |
| Total domestic deposits to total assets | 67.5692% | 7,626 |
| Equity capital to assets | 7.2855% | 7,505 |
| Core capital (leverage) ratio | 8.1866% | 6,133 |
| Tier 1 risk-based capital ratio | 10.0139% | 6,901 |
| Total risk-based capital ratio | 10.8546% | 7,273 |
| Memoranda: | ||
| Average total assets | $423,824,500 | 1,682 |
| Average earning assets | $390,153,000 | 1,678 |
| Average equity | $30,940,000 | 2,195 |
| Average total loans | $300,273,000 | 1,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6015% | 2,490 |
| Cost of funding earning assets | 2.3600% | 4,895 |
| Net interest margin | 4.2415% | 2,155 |
| Noninterest income to average assets | 0.6257% | 3,670 |
| Noninterest expense to average assets | 3.0468% | 3,910 |
| Loan and lease loss provision to assets | 0.3551% | 3,558 |
| Net operating income to assets | 0.9362% | 2,850 |
| Return on assets (ROA) | 0.9656% | 2,596 |
| Pretax return on assets | 1.1739% | 2,746 |
| Return on Equity (ROE) | 12.4670% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.2936% | 412 |
| Net charge-offs to loans | 0.3527% | 3,065 |
| Credit loss provision to net charge-offs | 143.4038% | 3,686 |
| Earnings coverage of net charge-offs (x) | 6.0292% | 3,461 |
| Efficiency ratio | 67.1116% | 4,891 |
| Assets per employee ($millions) | 3.7851% | 3,992 |
| Cash dividends to net income (ytd only)* | 17.4329% | 4,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 6,655 |
| Loan loss allowance to noncurrent loans | 71.7158% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8726% | 2,628 |
| Noncurrent loans to loans | 1.2615% | 3,987 |
| Net loans and leases to total assets | 71.0154% | 3,781 |
| Net loans and leases to deposits | 104.3809% | 1,304 |
| Net loans and leases to core deposits | 132.6419% | 1,679 |
| Total domestic deposits to total assets | 68.0349% | 7,465 |
| Equity capital to assets | 7.3157% | 7,541 |
| Core capital (leverage) ratio | 8.2856% | 5,982 |
| Tier 1 risk-based capital ratio | 10.5194% | 6,193 |
| Total risk-based capital ratio | 11.3591% | 6,483 |
| Memoranda: | ||
| Average total assets | $400,983,000 | 1,697 |
| Average earning assets | $370,035,600 | 1,683 |
| Average equity | $31,058,000 | 2,166 |
| Average total loans | $281,557,200 | 1,713 |