Home > American State Bank > Performance and Condition Ratios
American State Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 6,087 |
| Cost of funding earning assets | 0.3377% | 6,564 |
| Net interest margin | 3.4849% | 4,740 |
| Noninterest income to average assets | 1.3089% | 829 |
| Noninterest expense to average assets | 3.9181% | 1,050 |
| Loan and lease loss provision to assets | 0.1462% | 3,692 |
| Net operating income to assets | 0.3210% | 5,539 |
| Return on assets (ROA) | 2.2559% | 294 |
| Pretax return on assets | 3.4184% | 112 |
| Return on Equity (ROE) | 24.6248% | 158 |
| Retained earnings to average equity (ytd only) | 21.1380% | 85 |
| Net charge-offs to loans | 0.1278% | 3,905 |
| Credit loss provision to net charge-offs | 290.3553% | 1,006 |
| Earnings coverage of net charge-offs (x) | 12.5698% | 1,867 |
| Efficiency ratio | 86.0598% | 1,430 |
| Assets per employee ($millions) | 5.7551% | 1,407 |
| Cash dividends to net income (ytd only)* | 14.1599% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 2,030 |
| Loan loss allowance to noncurrent loans | 115.4786% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 4,913 |
| Noncurrent loans to loans | 1.8027% | 3,211 |
| Net loans and leases to total assets | 38.7770% | 6,420 |
| Net loans and leases to deposits | 49.0035% | 6,241 |
| Net loans and leases to core deposits | 52.9927% | 6,161 |
| Total domestic deposits to total assets | 79.1312% | 5,938 |
| Equity capital to assets | 9.3868% | 5,208 |
| Core capital (leverage) ratio | 8.7097% | 5,362 |
| Tier 1 risk-based capital ratio | 17.7104% | 2,394 |
| Total risk-based capital ratio | 18.9659% | 2,358 |
| Memoranda: | ||
| Average total assets | $3,130,494,000 | 243 |
| Average earning assets | $2,912,303,670 | 231 |
| Average equity | $286,792,000 | 283 |
| Average total loans | $1,233,274,000 | 359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 6,185 |
| Cost of funding earning assets | 0.3560% | 6,614 |
| Net interest margin | 3.4739% | 4,816 |
| Noninterest income to average assets | 1.2978% | 847 |
| Noninterest expense to average assets | 2.1703% | 6,115 |
| Loan and lease loss provision to assets | 0.0303% | 4,989 |
| Net operating income to assets | 1.6501% | 795 |
| Return on assets (ROA) | 1.6566% | 874 |
| Pretax return on assets | 2.3378% | 429 |
| Return on Equity (ROE) | 18.3112% | 516 |
| Retained earnings to average equity (ytd only) | 18.3112% | 238 |
| Net charge-offs to loans | 0.0770% | 3,726 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 77.9322% | 429 |
| Efficiency ratio | 47.8847% | 6,814 |
| Assets per employee ($millions) | 5.3901% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 2,440 |
| Loan loss allowance to noncurrent loans | 204.0986% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 5,905 |
| Noncurrent loans to loans | 0.9668% | 4,743 |
| Net loans and leases to total assets | 38.5325% | 6,459 |
| Net loans and leases to deposits | 48.5214% | 6,261 |
| Net loans and leases to core deposits | 53.1363% | 6,117 |
| Total domestic deposits to total assets | 79.4133% | 5,994 |
| Equity capital to assets | 9.1268% | 5,325 |
| Core capital (leverage) ratio | 8.2184% | 6,004 |
| Tier 1 risk-based capital ratio | 15.2597% | 3,578 |
| Total risk-based capital ratio | 16.5124% | 3,542 |
| Memoranda: | ||
| Average total assets | $3,118,833,500 | 242 |
| Average earning assets | $2,901,056,500 | 230 |
| Average equity | $282,166,500 | 285 |
| Average total loans | $1,225,433,000 | 359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 6,150 |
| Cost of funding earning assets | 0.5344% | 6,404 |
| Net interest margin | 3.6323% | 4,603 |
| Noninterest income to average assets | 1.3852% | 666 |
| Noninterest expense to average assets | 2.5275% | 5,365 |
| Loan and lease loss provision to assets | 0.2184% | 4,005 |
| Net operating income to assets | 1.4372% | 952 |
| Return on assets (ROA) | 1.4804% | 940 |
| Pretax return on assets | 2.0693% | 467 |
| Return on Equity (ROE) | 15.7737% | 637 |
| Retained earnings to average equity (ytd only) | 8.2815% | 991 |
| Net charge-offs to loans | 0.0141% | 6,238 |
| Credit loss provision to net charge-offs | 3,811.6564% | 63 |
| Earnings coverage of net charge-offs (x) | 388.7055% | 87 |
| Efficiency ratio | 53.1176% | 6,601 |
| Assets per employee ($millions) | 5.2724% | 1,859 |
| Cash dividends to net income (ytd only)* | 47.4980% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 2,194 |
| Loan loss allowance to noncurrent loans | 248.9079% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 6,148 |
| Noncurrent loans to loans | 0.8140% | 5,065 |
| Net loans and leases to total assets | 38.4785% | 6,634 |
| Net loans and leases to deposits | 48.1709% | 6,487 |
| Net loans and leases to core deposits | 53.4548% | 6,341 |
| Total domestic deposits to total assets | 79.8791% | 5,774 |
| Equity capital to assets | 8.9656% | 5,584 |
| Core capital (leverage) ratio | 8.0340% | 6,223 |
| Tier 1 risk-based capital ratio | 14.8325% | 3,738 |
| Total risk-based capital ratio | 16.0857% | 3,710 |
| Memoranda: | ||
| Average total assets | $2,844,258,000 | 251 |
| Average earning assets | $2,638,828,600 | 240 |
| Average equity | $266,943,600 | 292 |
| Average total loans | $1,158,926,200 | 366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 6,124 |
| Cost of funding earning assets | 0.5750% | 6,404 |
| Net interest margin | 3.6605% | 4,527 |
| Noninterest income to average assets | 1.3984% | 666 |
| Noninterest expense to average assets | 2.5355% | 5,335 |
| Loan and lease loss provision to assets | -0.0032% | 7,288 |
| Net operating income to assets | 1.6050% | 765 |
| Return on assets (ROA) | 1.6589% | 757 |
| Pretax return on assets | 2.3386% | 342 |
| Return on Equity (ROE) | 17.4596% | 515 |
| Retained earnings to average equity (ytd only) | 17.4596% | 126 |
| Net charge-offs to loans | -0.0862% | 7,142 |
| Credit loss provision to net charge-offs | 8.9069% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8409% | 6,608 |
| Assets per employee ($millions) | 5.0572% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,805 |
| Loan loss allowance to noncurrent loans | 247.7332% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 6,350 |
| Noncurrent loans to loans | 0.6334% | 5,621 |
| Net loans and leases to total assets | 40.8312% | 6,576 |
| Net loans and leases to deposits | 51.7586% | 6,386 |
| Net loans and leases to core deposits | 57.3807% | 6,185 |
| Total domestic deposits to total assets | 78.8878% | 6,013 |
| Equity capital to assets | 9.8010% | 4,617 |
| Core capital (leverage) ratio | 9.0515% | 4,849 |
| Tier 1 risk-based capital ratio | 16.1675% | 3,028 |
| Total risk-based capital ratio | 17.3868% | 3,012 |
| Memoranda: | ||
| Average total assets | $2,785,556,750 | 255 |
| Average earning assets | $2,584,721,750 | 245 |
| Average equity | $264,665,750 | 295 |
| Average total loans | $1,146,338,250 | 374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 6,099 |
| Cost of funding earning assets | 0.6116% | 6,401 |
| Net interest margin | 3.6609% | 4,467 |
| Noninterest income to average assets | 1.3624% | 685 |
| Noninterest expense to average assets | 2.5158% | 5,468 |
| Loan and lease loss provision to assets | -0.1180% | 7,429 |
| Net operating income to assets | 1.6672% | 642 |
| Return on assets (ROA) | 1.7496% | 588 |
| Pretax return on assets | 2.4763% | 257 |
| Return on Equity (ROE) | 18.6248% | 411 |
| Retained earnings to average equity (ytd only) | 18.6248% | 123 |
| Net charge-offs to loans | -0.2877% | 7,343 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8367% | 6,730 |
| Assets per employee ($millions) | 4.7191% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,705 |
| Loan loss allowance to noncurrent loans | 243.4037% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 6,354 |
| Noncurrent loans to loans | 0.6556% | 5,606 |
| Net loans and leases to total assets | 41.1402% | 6,656 |
| Net loans and leases to deposits | 51.8102% | 6,487 |
| Net loans and leases to core deposits | 57.9368% | 6,278 |
| Total domestic deposits to total assets | 79.4056% | 5,975 |
| Equity capital to assets | 9.7548% | 4,455 |
| Core capital (leverage) ratio | 8.8804% | 4,915 |
| Tier 1 risk-based capital ratio | 16.2499% | 2,860 |
| Total risk-based capital ratio | 17.4846% | 2,836 |
| Memoranda: | ||
| Average total assets | $2,734,658,670 | 264 |
| Average earning assets | $2,536,463,670 | 254 |
| Average equity | $256,894,670 | 300 |
| Average total loans | $1,122,168,000 | 390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 6,121 |
| Cost of funding earning assets | 0.6300% | 6,474 |
| Net interest margin | 3.6316% | 4,416 |
| Noninterest income to average assets | 1.2639% | 795 |
| Noninterest expense to average assets | 2.4308% | 5,792 |
| Loan and lease loss provision to assets | -0.3123% | 7,524 |
| Net operating income to assets | 1.7756% | 515 |
| Return on assets (ROA) | 1.7544% | 560 |
| Pretax return on assets | 2.4815% | 252 |
| Return on Equity (ROE) | 19.0480% | 396 |
| Retained earnings to average equity (ytd only) | 19.0480% | 196 |
| Net charge-offs to loans | -0.7684% | 7,463 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4639% | 6,826 |
| Assets per employee ($millions) | 4.7196% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 3,501 |
| Loan loss allowance to noncurrent loans | 273.8201% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,494 |
| Noncurrent loans to loans | 0.6048% | 5,823 |
| Net loans and leases to total assets | 39.8194% | 6,790 |
| Net loans and leases to deposits | 49.7054% | 6,643 |
| Net loans and leases to core deposits | 55.8237% | 6,425 |
| Total domestic deposits to total assets | 80.1109% | 5,917 |
| Equity capital to assets | 9.3273% | 4,680 |
| Core capital (leverage) ratio | 8.5291% | 5,391 |
| Tier 1 risk-based capital ratio | 16.2391% | 2,788 |
| Total risk-based capital ratio | 17.4897% | 2,757 |
| Memoranda: | ||
| Average total assets | $2,719,281,000 | 267 |
| Average earning assets | $2,520,446,000 | 257 |
| Average equity | $250,462,000 | 301 |
| Average total loans | $1,105,178,500 | 396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 5,931 |
| Cost of funding earning assets | 0.8076% | 6,537 |
| Net interest margin | 3.8500% | 3,731 |
| Noninterest income to average assets | 1.4620% | 679 |
| Noninterest expense to average assets | 2.7302% | 4,851 |
| Loan and lease loss provision to assets | 0.2558% | 4,743 |
| Net operating income to assets | 1.4331% | 883 |
| Return on assets (ROA) | 1.4612% | 897 |
| Pretax return on assets | 2.0746% | 411 |
| Return on Equity (ROE) | 15.1181% | 699 |
| Retained earnings to average equity (ytd only) | 6.8845% | 1,373 |
| Net charge-offs to loans | 0.3229% | 4,397 |
| Credit loss provision to net charge-offs | 184.7945% | 1,779 |
| Earnings coverage of net charge-offs (x) | 16.5444% | 1,204 |
| Efficiency ratio | 54.3425% | 6,772 |
| Assets per employee ($millions) | 4.6488% | 2,624 |
| Cash dividends to net income (ytd only)* | 54.4618% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 3,279 |
| Loan loss allowance to noncurrent loans | 189.7172% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 6,286 |
| Noncurrent loans to loans | 0.8871% | 5,283 |
| Net loans and leases to total assets | 40.1117% | 6,955 |
| Net loans and leases to deposits | 49.9660% | 6,857 |
| Net loans and leases to core deposits | 57.0337% | 6,632 |
| Total domestic deposits to total assets | 80.2779% | 5,762 |
| Equity capital to assets | 9.0911% | 5,005 |
| Core capital (leverage) ratio | 8.5736% | 5,234 |
| Tier 1 risk-based capital ratio | 15.9333% | 2,781 |
| Total risk-based capital ratio | 17.1844% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,513,144,800 | 287 |
| Average earning assets | $2,322,837,200 | 276 |
| Average equity | $242,908,000 | 303 |
| Average total loans | $1,077,328,000 | 416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 5,799 |
| Cost of funding earning assets | 0.8483% | 6,586 |
| Net interest margin | 3.9186% | 3,453 |
| Noninterest income to average assets | 1.4753% | 626 |
| Noninterest expense to average assets | 2.7173% | 4,806 |
| Loan and lease loss provision to assets | 0.2497% | 4,593 |
| Net operating income to assets | 1.4781% | 958 |
| Return on assets (ROA) | 1.5035% | 999 |
| Pretax return on assets | 2.1656% | 436 |
| Return on Equity (ROE) | 15.3083% | 810 |
| Retained earnings to average equity (ytd only) | 12.5599% | 393 |
| Net charge-offs to loans | 0.3263% | 4,031 |
| Credit loss provision to net charge-offs | 176.1905% | 2,089 |
| Earnings coverage of net charge-offs (x) | 16.7836% | 1,362 |
| Efficiency ratio | 53.2848% | 6,858 |
| Assets per employee ($millions) | 4.3735% | 3,116 |
| Cash dividends to net income (ytd only)* | 17.9533% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,588 |
| Loan loss allowance to noncurrent loans | 180.5240% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 6,332 |
| Noncurrent loans to loans | 0.8785% | 5,468 |
| Net loans and leases to total assets | 43.4121% | 6,880 |
| Net loans and leases to deposits | 54.9886% | 6,688 |
| Net loans and leases to core deposits | 63.1753% | 6,356 |
| Total domestic deposits to total assets | 78.9475% | 6,034 |
| Equity capital to assets | 10.2888% | 3,785 |
| Core capital (leverage) ratio | 9.1252% | 4,490 |
| Tier 1 risk-based capital ratio | 16.3646% | 2,610 |
| Total risk-based capital ratio | 17.6148% | 2,560 |
| Memoranda: | ||
| Average total assets | $2,469,672,250 | 287 |
| Average earning assets | $2,281,793,500 | 276 |
| Average equity | $242,564,500 | 302 |
| Average total loans | $1,072,593,750 | 423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 5,895 |
| Cost of funding earning assets | 0.8695% | 6,696 |
| Net interest margin | 3.9006% | 3,444 |
| Noninterest income to average assets | 1.4385% | 613 |
| Noninterest expense to average assets | 2.6247% | 5,228 |
| Loan and lease loss provision to assets | 0.1528% | 5,372 |
| Net operating income to assets | 1.5474% | 820 |
| Return on assets (ROA) | 1.5474% | 875 |
| Pretax return on assets | 2.2647% | 359 |
| Return on Equity (ROE) | 16.0136% | 697 |
| Retained earnings to average equity (ytd only) | 16.0136% | 193 |
| Net charge-offs to loans | 0.1184% | 4,996 |
| Credit loss provision to net charge-offs | 298.7281% | 1,241 |
| Earnings coverage of net charge-offs (x) | 47.2560% | 628 |
| Efficiency ratio | 52.0139% | 7,066 |
| Assets per employee ($millions) | 4.3023% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,674 |
| Loan loss allowance to noncurrent loans | 162.3377% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 6,296 |
| Noncurrent loans to loans | 0.9542% | 5,397 |
| Net loans and leases to total assets | 42.8084% | 6,994 |
| Net loans and leases to deposits | 54.0052% | 6,862 |
| Net loans and leases to core deposits | 62.6221% | 6,503 |
| Total domestic deposits to total assets | 79.2672% | 5,951 |
| Equity capital to assets | 10.0270% | 3,988 |
| Core capital (leverage) ratio | 8.9882% | 4,619 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,638 |
| Total risk-based capital ratio | 17.2883% | 2,614 |
| Memoranda: | ||
| Average total assets | $2,459,020,670 | 288 |
| Average earning assets | $2,271,917,000 | 279 |
| Average equity | $237,623,330 | 304 |
| Average total loans | $1,062,289,000 | 423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 6,107 |
| Cost of funding earning assets | 0.8682% | 6,878 |
| Net interest margin | 3.8736% | 3,436 |
| Noninterest income to average assets | 1.3406% | 669 |
| Noninterest expense to average assets | 2.5055% | 5,706 |
| Loan and lease loss provision to assets | 0.1834% | 4,678 |
| Net operating income to assets | 1.5986% | 754 |
| Return on assets (ROA) | 1.5986% | 807 |
| Pretax return on assets | 2.2374% | 396 |
| Return on Equity (ROE) | 16.8655% | 620 |
| Retained earnings to average equity (ytd only) | 16.8655% | 294 |
| Net charge-offs to loans | 0.1410% | 4,091 |
| Credit loss provision to net charge-offs | 302.1563% | 1,303 |
| Earnings coverage of net charge-offs (x) | 39.8868% | 692 |
| Efficiency ratio | 50.8202% | 7,256 |
| Assets per employee ($millions) | 4.3770% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,657 |
| Loan loss allowance to noncurrent loans | 122.4936% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 5,953 |
| Noncurrent loans to loans | 1.2665% | 4,867 |
| Net loans and leases to total assets | 41.4788% | 7,157 |
| Net loans and leases to deposits | 52.0142% | 7,039 |
| Net loans and leases to core deposits | 59.9177% | 6,757 |
| Total domestic deposits to total assets | 79.7451% | 5,875 |
| Equity capital to assets | 9.5321% | 4,480 |
| Core capital (leverage) ratio | 8.7978% | 4,857 |
| Tier 1 risk-based capital ratio | 15.6142% | 2,822 |
| Total risk-based capital ratio | 16.8116% | 2,787 |
| Memoranda: | ||
| Average total assets | $2,445,169,500 | 299 |
| Average earning assets | $2,263,418,500 | 291 |
| Average equity | $231,763,000 | 309 |
| Average total loans | $1,052,795,000 | 448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 6,514 |
| Cost of funding earning assets | 1.0494% | 7,102 |
| Net interest margin | 3.9247% | 3,174 |
| Noninterest income to average assets | 1.5209% | 619 |
| Noninterest expense to average assets | 2.8101% | 4,937 |
| Loan and lease loss provision to assets | 0.5669% | 3,544 |
| Net operating income to assets | 1.2545% | 1,125 |
| Return on assets (ROA) | 1.2890% | 1,103 |
| Pretax return on assets | 1.8163% | 613 |
| Return on Equity (ROE) | 13.1327% | 932 |
| Retained earnings to average equity (ytd only) | 1.7957% | 3,835 |
| Net charge-offs to loans | 1.1208% | 2,188 |
| Credit loss provision to net charge-offs | 113.0526% | 4,849 |
| Earnings coverage of net charge-offs (x) | 4.6558% | 2,864 |
| Efficiency ratio | 54.5780% | 7,166 |
| Assets per employee ($millions) | 4.2932% | 3,276 |
| Cash dividends to net income (ytd only)* | 86.3266% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,910 |
| Loan loss allowance to noncurrent loans | 103.0174% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 5,691 |
| Noncurrent loans to loans | 1.4219% | 4,549 |
| Net loans and leases to total assets | 43.3666% | 7,152 |
| Net loans and leases to deposits | 53.9709% | 7,052 |
| Net loans and leases to core deposits | 66.8088% | 6,939 |
| Total domestic deposits to total assets | 80.3519% | 5,565 |
| Equity capital to assets | 9.4229% | 4,520 |
| Core capital (leverage) ratio | 8.5774% | 5,142 |
| Tier 1 risk-based capital ratio | 14.9384% | 2,973 |
| Total risk-based capital ratio | 16.0840% | 2,983 |
| Memoranda: | ||
| Average total assets | $2,291,663,600 | 319 |
| Average earning assets | $2,116,019,200 | 312 |
| Average equity | $224,926,400 | 318 |
| Average total loans | $1,025,294,800 | 470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 6,647 |
| Cost of funding earning assets | 1.0772% | 7,225 |
| Net interest margin | 3.9076% | 3,214 |
| Noninterest income to average assets | 1.5329% | 631 |
| Noninterest expense to average assets | 2.8334% | 4,750 |
| Loan and lease loss provision to assets | 0.5647% | 3,128 |
| Net operating income to assets | 1.2381% | 1,380 |
| Return on assets (ROA) | 1.2846% | 1,328 |
| Pretax return on assets | 1.8096% | 788 |
| Return on Equity (ROE) | 12.9505% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.5275% | 2,188 |
| Net charge-offs to loans | 0.6143% | 2,833 |
| Credit loss provision to net charge-offs | 204.5668% | 2,174 |
| Earnings coverage of net charge-offs (x) | 8.3645% | 2,256 |
| Efficiency ratio | 55.0585% | 7,110 |
| Assets per employee ($millions) | 4.2652% | 3,261 |
| Cash dividends to net income (ytd only)* | 57.3184% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 2,339 |
| Loan loss allowance to noncurrent loans | 112.9302% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 5,519 |
| Noncurrent loans to loans | 1.5774% | 4,274 |
| Net loans and leases to total assets | 44.5041% | 7,209 |
| Net loans and leases to deposits | 56.3361% | 7,069 |
| Net loans and leases to core deposits | 68.5542% | 7,044 |
| Total domestic deposits to total assets | 78.9974% | 5,805 |
| Equity capital to assets | 9.9450% | 4,160 |
| Core capital (leverage) ratio | 9.1710% | 4,377 |
| Tier 1 risk-based capital ratio | 15.6455% | 2,754 |
| Total risk-based capital ratio | 16.8977% | 2,696 |
| Memoranda: | ||
| Average total assets | $2,263,526,500 | 332 |
| Average earning assets | $2,090,691,750 | 329 |
| Average equity | $224,521,250 | 328 |
| Average total loans | $1,017,087,250 | 489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 6,675 |
| Cost of funding earning assets | 1.1121% | 7,348 |
| Net interest margin | 3.9173% | 3,026 |
| Noninterest income to average assets | 1.5516% | 622 |
| Noninterest expense to average assets | 2.8233% | 4,860 |
| Loan and lease loss provision to assets | 0.5655% | 2,757 |
| Net operating income to assets | 1.2569% | 1,338 |
| Return on assets (ROA) | 1.3166% | 1,263 |
| Pretax return on assets | 1.8572% | 759 |
| Return on Equity (ROE) | 13.2850% | 1,127 |
| Retained earnings to average equity (ytd only) | 2.0105% | 4,224 |
| Net charge-offs to loans | 0.6638% | 2,374 |
| Credit loss provision to net charge-offs | 190.1713% | 2,405 |
| Earnings coverage of net charge-offs (x) | 7.8641% | 2,372 |
| Efficiency ratio | 54.6511% | 7,261 |
| Assets per employee ($millions) | 4.0999% | 3,495 |
| Cash dividends to net income (ytd only)* | 84.8666% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 2,486 |
| Loan loss allowance to noncurrent loans | 100.0118% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 5,249 |
| Noncurrent loans to loans | 1.6605% | 4,003 |
| Net loans and leases to total assets | 44.3993% | 7,302 |
| Net loans and leases to deposits | 55.9076% | 7,172 |
| Net loans and leases to core deposits | 67.8618% | 7,128 |
| Total domestic deposits to total assets | 79.4156% | 5,678 |
| Equity capital to assets | 9.8418% | 4,162 |
| Core capital (leverage) ratio | 9.0098% | 4,614 |
| Tier 1 risk-based capital ratio | 15.2621% | 2,903 |
| Total risk-based capital ratio | 16.5127% | 2,832 |
| Memoranda: | ||
| Average total assets | $2,237,504,330 | 342 |
| Average earning assets | $2,062,207,330 | 335 |
| Average equity | $221,738,000 | 338 |
| Average total loans | $1,002,448,330 | 507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 6,891 |
| Cost of funding earning assets | 1.1348% | 7,453 |
| Net interest margin | 3.8811% | 3,133 |
| Noninterest income to average assets | 1.4147% | 701 |
| Noninterest expense to average assets | 2.7978% | 4,567 |
| Loan and lease loss provision to assets | 0.2628% | 3,857 |
| Net operating income to assets | 1.3821% | 1,177 |
| Return on assets (ROA) | 1.3821% | 1,269 |
| Pretax return on assets | 1.9278% | 756 |
| Return on Equity (ROE) | 13.8980% | 1,185 |
| Retained earnings to average equity (ytd only) | -8.7224% | 6,988 |
| Net charge-offs to loans | 0.5081% | 2,193 |
| Credit loss provision to net charge-offs | 115.8730% | 3,367 |
| Earnings coverage of net charge-offs (x) | 9.6603% | 2,032 |
| Efficiency ratio | 56.0430% | 6,967 |
| Assets per employee ($millions) | 4.0228% | 3,617 |
| Cash dividends to net income (ytd only)* | 162.7604% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 3,316 |
| Loan loss allowance to noncurrent loans | 85.6815% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 5,047 |
| Noncurrent loans to loans | 1.6758% | 3,743 |
| Net loans and leases to total assets | 43.4230% | 7,385 |
| Net loans and leases to deposits | 54.3750% | 7,263 |
| Net loans and leases to core deposits | 64.3796% | 7,301 |
| Total domestic deposits to total assets | 79.8584% | 5,416 |
| Equity capital to assets | 9.7570% | 4,297 |
| Core capital (leverage) ratio | 8.7654% | 5,037 |
| Tier 1 risk-based capital ratio | 14.9385% | 3,099 |
| Total risk-based capital ratio | 16.0364% | 3,093 |
| Memoranda: | ||
| Average total assets | $2,222,639,500 | 341 |
| Average earning assets | $2,046,551,000 | 339 |
| Average equity | $221,039,000 | 337 |
| Average total loans | $991,854,000 | 514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 7,325 |
| Cost of funding earning assets | 1.8728% | 6,816 |
| Net interest margin | 3.6167% | 4,808 |
| Noninterest income to average assets | 1.6024% | 539 |
| Noninterest expense to average assets | 2.7955% | 4,836 |
| Loan and lease loss provision to assets | 0.3637% | 3,508 |
| Net operating income to assets | 1.2785% | 1,543 |
| Return on assets (ROA) | 1.2906% | 1,465 |
| Pretax return on assets | 1.7615% | 1,019 |
| Return on Equity (ROE) | 12.1418% | 1,558 |
| Retained earnings to average equity (ytd only) | -0.2777% | 5,368 |
| Net charge-offs to loans | 0.5541% | 2,164 |
| Credit loss provision to net charge-offs | 147.9386% | 3,568 |
| Earnings coverage of net charge-offs (x) | 8.5762% | 2,858 |
| Efficiency ratio | 56.9555% | 6,880 |
| Assets per employee ($millions) | 3.9937% | 3,528 |
| Cash dividends to net income (ytd only)* | 102.2868% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 3,153 |
| Loan loss allowance to noncurrent loans | 93.2712% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 5,011 |
| Noncurrent loans to loans | 1.5089% | 3,529 |
| Net loans and leases to total assets | 44.5697% | 7,431 |
| Net loans and leases to deposits | 55.5340% | 7,354 |
| Net loans and leases to core deposits | 64.7822% | 7,413 |
| Total domestic deposits to total assets | 80.2567% | 4,924 |
| Equity capital to assets | 10.1366% | 3,878 |
| Core capital (leverage) ratio | 9.1997% | 4,440 |
| Tier 1 risk-based capital ratio | 15.2480% | 2,936 |
| Total risk-based capital ratio | 16.3260% | 2,932 |
| Memoranda: | ||
| Average total assets | $2,121,030,200 | 341 |
| Average earning assets | $1,936,315,400 | 338 |
| Average equity | $225,451,800 | 337 |
| Average total loans | $941,183,200 | 520 |