Home > American Security Bank > Performance and Condition Ratios
American Security Bank, Performance and Condition Ratios
| 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 | 3.4528% | 5,531 |
| Cost of funding earning assets | 0.1565% | 6,319 |
| Net interest margin | 3.2963% | 4,551 |
| Noninterest income to average assets | 0.3832% | 4,326 |
| Noninterest expense to average assets | 3.3718% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0484% | 6,134 |
| Return on assets (ROA) | 0.0066% | 6,220 |
| Pretax return on assets | 0.0066% | 6,210 |
| Return on Equity (ROE) | 0.0509% | 6,221 |
| Retained earnings to average equity (ytd only) | -2.8570% | 5,949 |
| Net charge-offs to loans | -0.1873% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5857% | 521 |
| Assets per employee ($millions) | 5.3896% | 1,815 |
| Cash dividends to net income (ytd only)* | 5,714.2857% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 3,036 |
| Loan loss allowance to noncurrent loans | 58.5351% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 1,861 |
| Noncurrent loans to loans | 2.6067% | 1,318 |
| Net loans and leases to total assets | 56.4597% | 4,086 |
| Net loans and leases to deposits | 64.8551% | 4,223 |
| Net loans and leases to core deposits | 69.6462% | 4,140 |
| Total domestic deposits to total assets | 87.0553% | 2,771 |
| Equity capital to assets | 12.7574% | 1,426 |
| Core capital (leverage) ratio | 10.5925% | 2,819 |
| Tier 1 risk-based capital ratio | 16.1764% | 3,067 |
| Total risk-based capital ratio | 17.4287% | 3,032 |
| Memoranda: | ||
| Average total assets | $421,733,000 | 1,588 |
| Average earning assets | $388,559,000 | 1,591 |
| Average equity | $55,022,500 | 1,314 |
| Average total loans | $249,907,500 | 1,694 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 4,418 |
| Cost of funding earning assets | 0.1799% | 6,391 |
| Net interest margin | 3.7322% | 2,934 |
| Noninterest income to average assets | 0.5432% | 3,450 |
| Noninterest expense to average assets | 3.3156% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6112% | 4,215 |
| Return on assets (ROA) | 0.7001% | 3,878 |
| Pretax return on assets | 0.7256% | 4,437 |
| Return on Equity (ROE) | 5.3260% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.2453% | 4,650 |
| Net charge-offs to loans | 0.4334% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.3915% | 4,209 |
| Efficiency ratio | 83.9698% | 1,629 |
| Assets per employee ($millions) | 5.0280% | 2,156 |
| Cash dividends to net income (ytd only)* | 57.8428% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 3,434 |
| Loan loss allowance to noncurrent loans | 49.0604% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.0075% | 1,785 |
| Noncurrent loans to loans | 2.9493% | 1,175 |
| Net loans and leases to total assets | 60.3815% | 3,642 |
| Net loans and leases to deposits | 69.8899% | 3,795 |
| Net loans and leases to core deposits | 74.5868% | 3,776 |
| Total domestic deposits to total assets | 86.3952% | 3,044 |
| Equity capital to assets | 13.3494% | 1,122 |
| Core capital (leverage) ratio | 10.7624% | 2,610 |
| Tier 1 risk-based capital ratio | 15.5065% | 3,371 |
| Total risk-based capital ratio | 16.7574% | 3,320 |
| Memoranda: | ||
| Average total assets | $419,772,200 | 1,575 |
| Average earning assets | $383,021,800 | 1,578 |
| Average equity | $55,181,800 | 1,294 |
| Average total loans | $256,356,400 | 1,620 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,418 |
| Cost of funding earning assets | 0.1889% | 6,455 |
| Net interest margin | 3.7334% | 2,908 |
| Noninterest income to average assets | 0.5420% | 3,509 |
| Noninterest expense to average assets | 3.2732% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6514% | 4,114 |
| Return on assets (ROA) | 0.7520% | 3,718 |
| Pretax return on assets | 0.7792% | 4,380 |
| Return on Equity (ROE) | 5.7420% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.6030% | 4,768 |
| Net charge-offs to loans | 0.4731% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.3395% | 4,058 |
| Efficiency ratio | 82.8942% | 1,720 |
| Assets per employee ($millions) | 5.3234% | 1,822 |
| Cash dividends to net income (ytd only)* | 54.6677% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 3,504 |
| Loan loss allowance to noncurrent loans | 42.4667% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5862% | 1,466 |
| Noncurrent loans to loans | 3.5078% | 1,082 |
| Net loans and leases to total assets | 59.8301% | 3,721 |
| Net loans and leases to deposits | 68.8989% | 3,949 |
| Net loans and leases to core deposits | 71.3839% | 4,165 |
| Total domestic deposits to total assets | 86.8376% | 2,786 |
| Equity capital to assets | 12.9135% | 1,367 |
| Core capital (leverage) ratio | 10.5816% | 2,916 |
| Tier 1 risk-based capital ratio | 15.0873% | 3,694 |
| Total risk-based capital ratio | 16.3386% | 3,647 |
| Memoranda: | ||
| Average total assets | $421,641,500 | 1,575 |
| Average earning assets | $384,736,250 | 1,577 |
| Average equity | $55,217,500 | 1,299 |
| Average total loans | $257,294,250 | 1,610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 4,520 |
| Cost of funding earning assets | 0.1980% | 6,483 |
| Net interest margin | 3.6919% | 2,986 |
| Noninterest income to average assets | 0.5978% | 3,207 |
| Noninterest expense to average assets | 3.2615% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6824% | 3,891 |
| Return on assets (ROA) | 0.8338% | 3,282 |
| Pretax return on assets | 0.8638% | 4,048 |
| Return on Equity (ROE) | 6.3373% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.0818% | 4,360 |
| Net charge-offs to loans | 0.4602% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.5161% | 3,686 |
| Efficiency ratio | 82.1703% | 1,865 |
| Assets per employee ($millions) | 5.4342% | 1,649 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 3,104 |
| Loan loss allowance to noncurrent loans | 37.5112% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 2.6599% | 1,568 |
| Noncurrent loans to loans | 4.2989% | 849 |
| Net loans and leases to total assets | 60.8759% | 3,506 |
| Net loans and leases to deposits | 70.2989% | 3,680 |
| Net loans and leases to core deposits | 74.3105% | 3,760 |
| Total domestic deposits to total assets | 86.5958% | 3,059 |
| Equity capital to assets | 13.1251% | 1,299 |
| Core capital (leverage) ratio | 10.8282% | 2,527 |
| Tier 1 risk-based capital ratio | 15.2245% | 3,638 |
| Total risk-based capital ratio | 16.4774% | 3,595 |
| Memoranda: | ||
| Average total assets | $420,231,670 | 1,584 |
| Average earning assets | $383,762,670 | 1,579 |
| Average equity | $55,291,670 | 1,302 |
| Average total loans | $256,841,670 | 1,614 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 4,185 |
| Cost of funding earning assets | 0.2084% | 6,535 |
| Net interest margin | 3.7762% | 2,536 |
| Noninterest income to average assets | 0.4911% | 3,830 |
| Noninterest expense to average assets | 3.2873% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6395% | 4,022 |
| Return on assets (ROA) | 0.7713% | 3,462 |
| Pretax return on assets | 0.7988% | 4,173 |
| Return on Equity (ROE) | 5.8546% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.8546% | 2,758 |
| Net charge-offs to loans | 0.2924% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.7326% | 2,692 |
| Efficiency ratio | 83.2171% | 1,866 |
| Assets per employee ($millions) | 4.8079% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 2,647 |
| Loan loss allowance to noncurrent loans | 37.5266% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.0213% | 1,482 |
| Noncurrent loans to loans | 4.7708% | 828 |
| Net loans and leases to total assets | 62.1946% | 3,025 |
| Net loans and leases to deposits | 72.4089% | 3,130 |
| Net loans and leases to core deposits | 77.2227% | 3,172 |
| Total domestic deposits to total assets | 85.8936% | 3,588 |
| Equity capital to assets | 13.8291% | 1,081 |
| Core capital (leverage) ratio | 10.7218% | 2,528 |
| Tier 1 risk-based capital ratio | 15.5285% | 3,511 |
| Total risk-based capital ratio | 16.7837% | 3,468 |
| Memoranda: | ||
| Average total assets | $421,130,000 | 1,596 |
| Average earning assets | $385,788,500 | 1,589 |
| Average equity | $55,477,500 | 1,314 |
| Average total loans | $255,812,000 | 1,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 5,428 |
| Cost of funding earning assets | 0.3030% | 6,437 |
| Net interest margin | 3.6514% | 3,868 |
| Noninterest income to average assets | 0.4993% | 3,906 |
| Noninterest expense to average assets | 3.2037% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6961% | 3,758 |
| Return on assets (ROA) | 0.8027% | 3,527 |
| Pretax return on assets | 0.7896% | 4,332 |
| Return on Equity (ROE) | 6.5878% | 3,867 |
| Retained earnings to average equity (ytd only) | 3.4357% | 3,807 |
| Net charge-offs to loans | 0.2548% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.2879% | 3,419 |
| Efficiency ratio | 82.4275% | 1,814 |
| Assets per employee ($millions) | 5.3463% | 1,846 |
| Cash dividends to net income (ytd only)* | 47.8469% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 2,411 |
| Loan loss allowance to noncurrent loans | 34.5538% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 3.1463% | 1,486 |
| Noncurrent loans to loans | 5.3908% | 693 |
| Net loans and leases to total assets | 57.2763% | 4,088 |
| Net loans and leases to deposits | 65.7278% | 4,326 |
| Net loans and leases to core deposits | 70.6767% | 4,207 |
| Total domestic deposits to total assets | 87.1417% | 2,749 |
| Equity capital to assets | 12.5695% | 1,654 |
| Core capital (leverage) ratio | 9.5854% | 3,987 |
| Tier 1 risk-based capital ratio | 14.8825% | 3,784 |
| Total risk-based capital ratio | 16.1380% | 3,732 |
| Memoranda: | ||
| Average total assets | $442,606,600 | 1,487 |
| Average earning assets | $410,604,200 | 1,468 |
| Average equity | $53,933,000 | 1,319 |
| Average total loans | $276,725,000 | 1,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 5,496 |
| Cost of funding earning assets | 0.3213% | 6,507 |
| Net interest margin | 3.6862% | 3,854 |
| Noninterest income to average assets | 0.3898% | 4,712 |
| Noninterest expense to average assets | 3.2270% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5899% | 4,438 |
| Return on assets (ROA) | 0.6296% | 4,497 |
| Pretax return on assets | 0.6296% | 5,079 |
| Return on Equity (ROE) | 5.2074% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.7218% | 4,917 |
| Net charge-offs to loans | 0.0421% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 22.0569% | 1,371 |
| Efficiency ratio | 84.5445% | 1,528 |
| Assets per employee ($millions) | 5.1950% | 1,933 |
| Cash dividends to net income (ytd only)* | 47.7328% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 2,225 |
| Loan loss allowance to noncurrent loans | 39.0057% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.0529% | 1,705 |
| Noncurrent loans to loans | 5.0742% | 885 |
| Net loans and leases to total assets | 58.9737% | 3,963 |
| Net loans and leases to deposits | 67.2467% | 4,302 |
| Net loans and leases to core deposits | 72.9684% | 4,125 |
| Total domestic deposits to total assets | 87.6975% | 2,227 |
| Equity capital to assets | 12.0867% | 2,186 |
| Core capital (leverage) ratio | 9.5237% | 4,233 |
| Tier 1 risk-based capital ratio | 14.5874% | 4,127 |
| Total risk-based capital ratio | 15.8455% | 4,091 |
| Memoranda: | ||
| Average total assets | $443,659,750 | 1,499 |
| Average earning assets | $412,482,750 | 1,478 |
| Average equity | $53,640,250 | 1,337 |
| Average total loans | $281,940,750 | 1,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 5,390 |
| Cost of funding earning assets | 0.3420% | 6,547 |
| Net interest margin | 3.7383% | 3,648 |
| Noninterest income to average assets | 0.3833% | 4,768 |
| Noninterest expense to average assets | 3.2797% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5793% | 4,455 |
| Return on assets (ROA) | 0.5811% | 4,718 |
| Pretax return on assets | 0.5811% | 5,206 |
| Return on Equity (ROE) | 4.8058% | 4,901 |
| Retained earnings to average equity (ytd only) | 2.1797% | 5,101 |
| Net charge-offs to loans | 0.1129% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.9317% | 2,389 |
| Efficiency ratio | 84.9888% | 1,537 |
| Assets per employee ($millions) | 5.2354% | 1,881 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,397 |
| Loan loss allowance to noncurrent loans | 39.8141% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.9622% | 1,858 |
| Noncurrent loans to loans | 4.8805% | 1,029 |
| Net loans and leases to total assets | 59.5148% | 3,909 |
| Net loans and leases to deposits | 67.7543% | 4,243 |
| Net loans and leases to core deposits | 73.1913% | 4,144 |
| Total domestic deposits to total assets | 87.8393% | 2,254 |
| Equity capital to assets | 11.9526% | 2,182 |
| Core capital (leverage) ratio | 9.4685% | 4,181 |
| Tier 1 risk-based capital ratio | 14.4562% | 4,129 |
| Total risk-based capital ratio | 15.7140% | 4,091 |
| Memoranda: | ||
| Average total assets | $440,891,000 | 1,508 |
| Average earning assets | $409,914,330 | 1,487 |
| Average equity | $53,311,000 | 1,337 |
| Average total loans | $285,280,000 | 1,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 5,011 |
| Cost of funding earning assets | 0.3644% | 6,579 |
| Net interest margin | 3.8614% | 3,089 |
| Noninterest income to average assets | 0.3374% | 5,157 |
| Noninterest expense to average assets | 3.4515% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4713% | 4,954 |
| Return on assets (ROA) | 0.4750% | 5,128 |
| Pretax return on assets | 0.4750% | 5,505 |
| Return on Equity (ROE) | 3.9051% | 5,338 |
| Retained earnings to average equity (ytd only) | 0.7011% | 5,780 |
| Net charge-offs to loans | 0.0673% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.4898% | 1,752 |
| Efficiency ratio | 87.9850% | 1,284 |
| Assets per employee ($millions) | 4.5761% | 2,855 |
| Cash dividends to net income (ytd only)* | 82.0463% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,686 |
| Loan loss allowance to noncurrent loans | 33.8072% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.7769% | 1,480 |
| Noncurrent loans to loans | 5.6087% | 941 |
| Net loans and leases to total assets | 62.5529% | 3,148 |
| Net loans and leases to deposits | 71.1038% | 3,571 |
| Net loans and leases to core deposits | 76.7358% | 3,518 |
| Total domestic deposits to total assets | 87.9740% | 2,337 |
| Equity capital to assets | 11.8498% | 2,147 |
| Core capital (leverage) ratio | 9.6410% | 3,857 |
| Tier 1 risk-based capital ratio | 13.9506% | 4,503 |
| Total risk-based capital ratio | 15.2084% | 4,467 |
| Memoranda: | ||
| Average total assets | $436,214,500 | 1,528 |
| Average earning assets | $405,036,000 | 1,501 |
| Average equity | $53,058,500 | 1,335 |
| Average total loans | $291,284,000 | 1,458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 2,546 |
| Cost of funding earning assets | 0.4015% | 6,884 |
| Net interest margin | 4.6750% | 791 |
| Noninterest income to average assets | 0.2863% | 5,488 |
| Noninterest expense to average assets | 3.6340% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9727% | 2,310 |
| Return on assets (ROA) | 1.0138% | 2,296 |
| Pretax return on assets | 1.0141% | 3,191 |
| Return on Equity (ROE) | 8.1413% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.3426% | 2,420 |
| Net charge-offs to loans | 0.1652% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.8147% | 2,252 |
| Efficiency ratio | 78.6717% | 2,503 |
| Assets per employee ($millions) | 4.3708% | 3,115 |
| Cash dividends to net income (ytd only)* | 34.3765% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,727 |
| Loan loss allowance to noncurrent loans | 61.7007% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 2,760 |
| Noncurrent loans to loans | 2.9893% | 2,174 |
| Net loans and leases to total assets | 68.6726% | 2,274 |
| Net loans and leases to deposits | 78.6672% | 2,734 |
| Net loans and leases to core deposits | 84.4578% | 2,823 |
| Total domestic deposits to total assets | 87.2950% | 2,583 |
| Equity capital to assets | 12.4951% | 1,801 |
| Core capital (leverage) ratio | 9.9717% | 3,375 |
| Tier 1 risk-based capital ratio | 13.4097% | 4,762 |
| Total risk-based capital ratio | 14.6668% | 4,724 |
| Memoranda: | ||
| Average total assets | $416,038,400 | 1,562 |
| Average earning assets | $384,516,600 | 1,539 |
| Average equity | $51,810,000 | 1,318 |
| Average total loans | $313,569,600 | 1,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 2,451 |
| Cost of funding earning assets | 0.4106% | 6,992 |
| Net interest margin | 4.7242% | 722 |
| Noninterest income to average assets | 0.2753% | 5,647 |
| Noninterest expense to average assets | 3.6690% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9670% | 2,448 |
| Return on assets (ROA) | 1.0217% | 2,406 |
| Pretax return on assets | 1.0221% | 3,320 |
| Return on Equity (ROE) | 8.2117% | 2,956 |
| Retained earnings to average equity (ytd only) | 6.8530% | 2,048 |
| Net charge-offs to loans | 0.2307% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.4618% | 2,774 |
| Efficiency ratio | 78.9276% | 2,415 |
| Assets per employee ($millions) | 4.4238% | 3,043 |
| Cash dividends to net income (ytd only)* | 16.5458% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,160 |
| Loan loss allowance to noncurrent loans | 44.2015% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.0799% | 2,079 |
| Noncurrent loans to loans | 3.9168% | 1,698 |
| Net loans and leases to total assets | 75.0383% | 1,136 |
| Net loans and leases to deposits | 86.2999% | 1,645 |
| Net loans and leases to core deposits | 91.8047% | 2,025 |
| Total domestic deposits to total assets | 86.9506% | 2,686 |
| Equity capital to assets | 12.8316% | 1,699 |
| Core capital (leverage) ratio | 10.0176% | 3,419 |
| Tier 1 risk-based capital ratio | 12.5844% | 5,419 |
| Total risk-based capital ratio | 13.8403% | 5,395 |
| Memoranda: | ||
| Average total assets | $414,056,250 | 1,578 |
| Average earning assets | $382,221,500 | 1,560 |
| Average equity | $51,518,750 | 1,323 |
| Average total loans | $317,807,000 | 1,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 2,690 |
| Cost of funding earning assets | 0.4163% | 7,092 |
| Net interest margin | 4.6827% | 759 |
| Noninterest income to average assets | 0.2776% | 5,663 |
| Noninterest expense to average assets | 3.6579% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9462% | 2,453 |
| Return on assets (ROA) | 0.9462% | 2,545 |
| Pretax return on assets | 0.9466% | 3,446 |
| Return on Equity (ROE) | 7.6838% | 3,108 |
| Retained earnings to average equity (ytd only) | 6.3138% | 2,238 |
| Net charge-offs to loans | 0.0351% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 35.0714% | 821 |
| Efficiency ratio | 79.2317% | 2,518 |
| Assets per employee ($millions) | 4.3721% | 3,041 |
| Cash dividends to net income (ytd only)* | 17.8299% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,755 |
| Loan loss allowance to noncurrent loans | 51.0717% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.9342% | 2,286 |
| Noncurrent loans to loans | 3.6709% | 1,917 |
| Net loans and leases to total assets | 75.5601% | 1,143 |
| Net loans and leases to deposits | 86.6972% | 1,693 |
| Net loans and leases to core deposits | 91.9626% | 2,138 |
| Total domestic deposits to total assets | 87.1540% | 2,654 |
| Equity capital to assets | 12.6441% | 1,712 |
| Core capital (leverage) ratio | 9.7752% | 3,557 |
| Tier 1 risk-based capital ratio | 12.1798% | 5,629 |
| Total risk-based capital ratio | 13.4372% | 5,608 |
| Memoranda: | ||
| Average total assets | $414,937,000 | 1,589 |
| Average earning assets | $383,413,000 | 1,568 |
| Average equity | $51,094,670 | 1,315 |
| Average total loans | $319,023,670 | 1,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 2,591 |
| Cost of funding earning assets | 0.4209% | 7,181 |
| Net interest margin | 4.6908% | 723 |
| Noninterest income to average assets | 0.3080% | 5,462 |
| Noninterest expense to average assets | 3.6650% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9738% | 2,269 |
| Return on assets (ROA) | 0.9738% | 2,335 |
| Pretax return on assets | 0.9738% | 3,236 |
| Return on Equity (ROE) | 8.0142% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.0142% | 1,727 |
| Net charge-offs to loans | 0.1898% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.6776% | 2,064 |
| Efficiency ratio | 78.8004% | 2,716 |
| Assets per employee ($millions) | 4.4711% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 2,880 |
| Loan loss allowance to noncurrent loans | 51.6549% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8747% | 2,400 |
| Noncurrent loans to loans | 3.5655% | 2,085 |
| Net loans and leases to total assets | 74.0186% | 1,340 |
| Net loans and leases to deposits | 84.4262% | 1,965 |
| Net loans and leases to core deposits | 89.6212% | 2,390 |
| Total domestic deposits to total assets | 87.6725% | 2,570 |
| Equity capital to assets | 12.1854% | 1,803 |
| Core capital (leverage) ratio | 9.6464% | 3,596 |
| Tier 1 risk-based capital ratio | 11.9773% | 5,712 |
| Total risk-based capital ratio | 13.2344% | 5,691 |
| Memoranda: | ||
| Average total assets | $416,918,000 | 1,597 |
| Average earning assets | $384,927,000 | 1,572 |
| Average equity | $50,660,000 | 1,316 |
| Average total loans | $320,302,500 | 1,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 4,434 |
| Cost of funding earning assets | 0.5175% | 7,274 |
| Net interest margin | 4.5071% | 1,214 |
| Noninterest income to average assets | 0.3973% | 4,930 |
| Noninterest expense to average assets | 3.4539% | 2,296 |
| Loan and lease loss provision to assets | 0.9072% | 1,802 |
| Net operating income to assets | 0.1564% | 5,418 |
| Return on assets (ROA) | 0.1564% | 5,577 |
| Pretax return on assets | 0.1566% | 5,580 |
| Return on Equity (ROE) | 1.3163% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.3163% | 4,886 |
| Net charge-offs to loans | 1.1218% | 1,983 |
| Credit loss provision to net charge-offs | 105.7253% | 4,236 |
| Earnings coverage of net charge-offs (x) | 1.2397% | 4,861 |
| Efficiency ratio | 75.9764% | 3,057 |
| Assets per employee ($millions) | 4.3532% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 2,689 |
| Loan loss allowance to noncurrent loans | 53.3256% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.9048% | 2,416 |
| Noncurrent loans to loans | 3.4698% | 2,181 |
| Net loans and leases to total assets | 76.8200% | 1,125 |
| Net loans and leases to deposits | 87.5443% | 1,854 |
| Net loans and leases to core deposits | 91.9070% | 2,513 |
| Total domestic deposits to total assets | 87.7499% | 2,397 |
| Equity capital to assets | 12.1162% | 1,848 |
| Core capital (leverage) ratio | 9.1502% | 4,260 |
| Tier 1 risk-based capital ratio | 11.3995% | 5,993 |
| Total risk-based capital ratio | 12.6568% | 5,983 |
| Memoranda: | ||
| Average total assets | $423,379,600 | 1,570 |
| Average earning assets | $387,057,200 | 1,559 |
| Average equity | $50,291,200 | 1,327 |
| Average total loans | $323,847,800 | 1,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 4,854 |
| Cost of funding earning assets | 0.5375% | 7,391 |
| Net interest margin | 4.4548% | 1,359 |
| Noninterest income to average assets | 0.4468% | 4,585 |
| Noninterest expense to average assets | 3.4482% | 2,161 |
| Loan and lease loss provision to assets | 0.5166% | 2,875 |
| Net operating income to assets | 0.5426% | 4,120 |
| Return on assets (ROA) | 0.5426% | 4,292 |
| Pretax return on assets | 0.5429% | 4,785 |
| Return on Equity (ROE) | 4.5903% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,275 |
| Net charge-offs to loans | 0.6195% | 2,887 |
| Credit loss provision to net charge-offs | 109.6346% | 3,873 |
| Earnings coverage of net charge-offs (x) | 2.2485% | 4,046 |
| Efficiency ratio | 75.9325% | 2,965 |
| Assets per employee ($millions) | 4.5294% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 2,668 |
| Loan loss allowance to noncurrent loans | 45.8527% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.7403% | 1,899 |
| Noncurrent loans to loans | 4.0062% | 1,874 |
| Net loans and leases to total assets | 74.3773% | 1,720 |
| Net loans and leases to deposits | 84.7489% | 2,564 |
| Net loans and leases to core deposits | 90.2891% | 3,057 |
| Total domestic deposits to total assets | 87.7620% | 2,119 |
| Equity capital to assets | 12.0490% | 2,128 |
| Core capital (leverage) ratio | 9.1843% | 4,398 |
| Tier 1 risk-based capital ratio | 11.5535% | 5,877 |
| Total risk-based capital ratio | 12.8101% | 5,861 |
| Memoranda: | ||
| Average total assets | $425,835,750 | 1,589 |
| Average earning assets | $388,188,500 | 1,576 |
| Average equity | $50,337,250 | 1,334 |
| Average total loans | $323,889,250 | 1,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 4,999 |
| Cost of funding earning assets | 0.5586% | 7,471 |
| Net interest margin | 4.4280% | 1,372 |
| Noninterest income to average assets | 0.4504% | 4,510 |
| Noninterest expense to average assets | 3.4439% | 2,156 |
| Loan and lease loss provision to assets | 0.6105% | 2,354 |
| Net operating income to assets | 0.4236% | 4,644 |
| Return on assets (ROA) | 0.4236% | 4,803 |
| Pretax return on assets | 0.4241% | 5,139 |
| Return on Equity (ROE) | 3.6068% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.6068% | 3,801 |
| Net charge-offs to loans | 0.9145% | 2,002 |
| Credit loss provision to net charge-offs | 87.6601% | 4,492 |
| Earnings coverage of net charge-offs (x) | 1.4855% | 4,370 |
| Efficiency ratio | 76.1535% | 3,048 |
| Assets per employee ($millions) | 4.5629% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 2,904 |
| Loan loss allowance to noncurrent loans | 42.8801% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.3652% | 1,527 |
| Noncurrent loans to loans | 4.0808% | 1,851 |
| Net loans and leases to total assets | 73.2811% | 2,086 |
| Net loans and leases to deposits | 83.2206% | 3,027 |
| Net loans and leases to core deposits | 90.6588% | 3,171 |
| Total domestic deposits to total assets | 88.0564% | 1,970 |
| Equity capital to assets | 11.7624% | 2,233 |
| Core capital (leverage) ratio | 8.8014% | 4,913 |
| Tier 1 risk-based capital ratio | 11.3983% | 5,864 |
| Total risk-based capital ratio | 12.6540% | 5,841 |
| Memoranda: | ||
| Average total assets | $425,860,000 | 1,602 |
| Average earning assets | $387,398,000 | 1,597 |
| Average equity | $50,016,330 | 1,336 |
| Average total loans | $324,320,000 | 1,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 5,120 |
| Cost of funding earning assets | 0.5750% | 7,572 |
| Net interest margin | 4.4036% | 1,381 |
| Noninterest income to average assets | 0.5675% | 3,505 |
| Noninterest expense to average assets | 3.5039% | 1,976 |
| Loan and lease loss provision to assets | 0.0707% | 5,930 |
| Net operating income to assets | 1.0068% | 2,153 |
| Return on assets (ROA) | 1.0068% | 2,219 |
| Pretax return on assets | 1.0068% | 3,068 |
| Return on Equity (ROE) | 8.5785% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.5785% | 1,514 |
| Net charge-offs to loans | 0.0735% | 4,681 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 19.0500% | 1,215 |
| Efficiency ratio | 75.6584% | 3,282 |
| Assets per employee ($millions) | 4.5885% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 2,743 |
| Loan loss allowance to noncurrent loans | 61.6727% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.4017% | 2,086 |
| Noncurrent loans to loans | 2.9136% | 2,765 |
| Net loans and leases to total assets | 73.4406% | 2,096 |
| Net loans and leases to deposits | 83.3348% | 3,052 |
| Net loans and leases to core deposits | 93.3889% | 2,918 |
| Total domestic deposits to total assets | 88.1271% | 1,989 |
| Equity capital to assets | 11.6816% | 2,241 |
| Core capital (leverage) ratio | 9.2703% | 4,106 |
| Tier 1 risk-based capital ratio | 11.4926% | 5,679 |
| Total risk-based capital ratio | 12.7491% | 5,656 |
| Memoranda: | ||
| Average total assets | $424,331,500 | 1,642 |
| Average earning assets | $386,777,500 | 1,641 |
| Average equity | $49,799,000 | 1,343 |
| Average total loans | $326,523,500 | 1,442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 4,060 |
| Cost of funding earning assets | 0.7478% | 7,623 |
| Net interest margin | 4.7683% | 741 |
| Noninterest income to average assets | -0.0449% | 7,764 |
| Noninterest expense to average assets | 3.5942% | 2,158 |
| Loan and lease loss provision to assets | 1.8666% | 1,200 |
| Net operating income to assets | -1.1176% | 6,656 |
| Return on assets (ROA) | -1.1109% | 6,656 |
| Pretax return on assets | -1.1109% | 6,481 |
| Return on Equity (ROE) | -8.9753% | 6,537 |
| Retained earnings to average equity (ytd only) | -8.9753% | 6,424 |
| Net charge-offs to loans | 2.2585% | 1,041 |
| Credit loss provision to net charge-offs | 99.4552% | 5,602 |
| Earnings coverage of net charge-offs (x) | 0.3991% | 5,717 |
| Efficiency ratio | 81.8834% | 2,617 |
| Assets per employee ($millions) | 4.3025% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,714 |
| Loan loss allowance to noncurrent loans | 110.8958% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 2.2063% | 3,117 |
| Noncurrent loans to loans | 1.5774% | 4,283 |
| Net loans and leases to total assets | 77.8031% | 1,425 |
| Net loans and leases to deposits | 88.5646% | 2,459 |
| Net loans and leases to core deposits | 105.7654% | 3,367 |
| Total domestic deposits to total assets | 87.8491% | 2,044 |
| Equity capital to assets | 11.7920% | 2,145 |
| Core capital (leverage) ratio | 9.3837% | 3,852 |
| Tier 1 risk-based capital ratio | 11.0289% | 5,893 |
| Total risk-based capital ratio | 12.2849% | 5,854 |
| Memoranda: | ||
| Average total assets | $420,542,800 | 1,644 |
| Average earning assets | $387,016,000 | 1,625 |
| Average equity | $52,054,200 | 1,283 |
| Average total loans | $349,483,800 | 1,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 3,952 |
| Cost of funding earning assets | 0.7896% | 7,710 |
| Net interest margin | 4.7943% | 688 |
| Noninterest income to average assets | -0.0285% | 7,877 |
| Noninterest expense to average assets | 3.5827% | 2,066 |
| Loan and lease loss provision to assets | 2.1752% | 800 |
| Net operating income to assets | -1.3654% | 7,043 |
| Return on assets (ROA) | -1.3654% | 7,043 |
| Pretax return on assets | -1.3654% | 6,894 |
| Return on Equity (ROE) | -10.9035% | 6,952 |
| Retained earnings to average equity (ytd only) | -10.9035% | 6,880 |
| Net charge-offs to loans | 2.5798% | 707 |
| Credit loss provision to net charge-offs | 100.2918% | 5,065 |
| Earnings coverage of net charge-offs (x) | 0.3734% | 5,649 |
| Efficiency ratio | 80.7074% | 2,744 |
| Assets per employee ($millions) | 3.9066% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 2,447 |
| Loan loss allowance to noncurrent loans | 72.9042% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.5210% | 2,748 |
| Noncurrent loans to loans | 2.3986% | 3,142 |
| Net loans and leases to total assets | 81.6026% | 881 |
| Net loans and leases to deposits | 94.0611% | 1,874 |
| Net loans and leases to core deposits | 110.5725% | 3,175 |
| Total domestic deposits to total assets | 86.7549% | 2,303 |
| Equity capital to assets | 12.3517% | 2,030 |
| Core capital (leverage) ratio | 9.4487% | 3,978 |
| Tier 1 risk-based capital ratio | 11.1150% | 5,841 |
| Total risk-based capital ratio | 12.3709% | 5,786 |
| Memoranda: | ||
| Average total assets | $421,342,750 | 1,657 |
| Average earning assets | $388,532,000 | 1,641 |
| Average equity | $52,764,500 | 1,274 |
| Average total loans | $354,233,000 | 1,379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 4,062 |
| Cost of funding earning assets | 0.8344% | 7,776 |
| Net interest margin | 4.7685% | 703 |
| Noninterest income to average assets | -0.1225% | 8,045 |
| Noninterest expense to average assets | 3.5074% | 2,317 |
| Loan and lease loss provision to assets | 1.3403% | 1,289 |
| Net operating income to assets | -0.5682% | 6,619 |
| Return on assets (ROA) | -0.5682% | 6,626 |
| Pretax return on assets | -0.5682% | 6,494 |
| Return on Equity (ROE) | -4.5179% | 6,552 |
| Retained earnings to average equity (ytd only) | -4.5179% | 6,223 |
| Net charge-offs to loans | 2.4516% | 717 |
| Credit loss provision to net charge-offs | 64.7830% | 5,514 |
| Earnings coverage of net charge-offs (x) | 0.3732% | 5,309 |
| Efficiency ratio | 81.0950% | 2,867 |
| Assets per employee ($millions) | 3.7424% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 4,757 |
| Loan loss allowance to noncurrent loans | 40.8777% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.8299% | 2,267 |
| Noncurrent loans to loans | 3.0043% | 2,403 |
| Net loans and leases to total assets | 84.8875% | 521 |
| Net loans and leases to deposits | 98.0970% | 1,504 |
| Net loans and leases to core deposits | 113.4969% | 2,971 |
| Total domestic deposits to total assets | 86.5343% | 2,494 |
| Equity capital to assets | 13.0617% | 1,672 |
| Core capital (leverage) ratio | 9.9418% | 3,357 |
| Tier 1 risk-based capital ratio | 11.4408% | 5,455 |
| Total risk-based capital ratio | 12.6732% | 5,381 |
| Memoranda: | ||
| Average total assets | $427,662,670 | 1,659 |
| Average earning assets | $394,797,670 | 1,646 |
| Average equity | $53,785,670 | 1,254 |
| Average total loans | $360,911,000 | 1,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 3,936 |
| Cost of funding earning assets | 0.9306% | 7,772 |
| Net interest margin | 4.7406% | 705 |
| Noninterest income to average assets | 0.3496% | 5,649 |
| Noninterest expense to average assets | 3.4547% | 2,216 |
| Loan and lease loss provision to assets | 0.7965% | 1,619 |
| Net operating income to assets | 0.4679% | 4,579 |
| Return on assets (ROA) | 0.4679% | 4,766 |
| Pretax return on assets | 0.4852% | 5,122 |
| Return on Equity (ROE) | 3.7876% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.7876% | 3,783 |
| Net charge-offs to loans | 1.1086% | 1,228 |
| Credit loss provision to net charge-offs | 85.8685% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.3817% | 4,043 |
| Efficiency ratio | 72.1699% | 4,164 |
| Assets per employee ($millions) | 3.8153% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 2,682 |
| Loan loss allowance to noncurrent loans | 122.0193% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 3,543 |
| Noncurrent loans to loans | 1.2796% | 4,418 |
| Net loans and leases to total assets | 84.5625% | 612 |
| Net loans and leases to deposits | 97.4964% | 1,737 |
| Net loans and leases to core deposits | 110.3728% | 3,384 |
| Total domestic deposits to total assets | 86.7340% | 2,345 |
| Equity capital to assets | 12.8762% | 1,796 |
| Core capital (leverage) ratio | 9.7153% | 3,733 |
| Tier 1 risk-based capital ratio | 11.3050% | 5,594 |
| Total risk-based capital ratio | 12.5586% | 5,501 |
| Memoranda: | ||
| Average total assets | $439,403,000 | 1,616 |
| Average earning assets | $406,612,500 | 1,601 |
| Average equity | $54,282,000 | 1,247 |
| Average total loans | $367,683,500 | 1,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2847% | 4,049 |
| Cost of funding earning assets | 1.5987% | 7,455 |
| Net interest margin | 4.6860% | 994 |
| Noninterest income to average assets | 0.4584% | 4,976 |
| Noninterest expense to average assets | 3.3271% | 2,873 |
| Loan and lease loss provision to assets | 1.2277% | 1,168 |
| Net operating income to assets | 0.2323% | 5,748 |
| Return on assets (ROA) | 0.2511% | 5,516 |
| Pretax return on assets | 0.2602% | 5,606 |
| Return on Equity (ROE) | 2.0330% | 5,612 |
| Retained earnings to average equity (ytd only) | -5.6720% | 6,617 |
| Net charge-offs to loans | 0.9413% | 1,310 |
| Credit loss provision to net charge-offs | 153.8783% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.8404% | 5,151 |
| Efficiency ratio | 68.1413% | 4,700 |
| Assets per employee ($millions) | 4.0293% | 3,452 |
| Cash dividends to net income (ytd only)* | 378.9894% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 2,366 |
| Loan loss allowance to noncurrent loans | 77.1084% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 2,928 |
| Noncurrent loans to loans | 2.0327% | 2,726 |
| Net loans and leases to total assets | 80.3286% | 1,584 |
| Net loans and leases to deposits | 93.9031% | 2,783 |
| Net loans and leases to core deposits | 107.9795% | 3,972 |
| Total domestic deposits to total assets | 85.5441% | 2,608 |
| Equity capital to assets | 11.8675% | 2,376 |
| Core capital (leverage) ratio | 9.4599% | 4,069 |
| Tier 1 risk-based capital ratio | 10.7441% | 5,960 |
| Total risk-based capital ratio | 11.9975% | 5,868 |
| Memoranda: | ||
| Average total assets | $449,217,200 | 1,528 |
| Average earning assets | $415,771,000 | 1,504 |
| Average equity | $55,483,200 | 1,215 |
| Average total loans | $380,742,800 | 1,273 |