Home > Bank of Kansas > Performance and Condition Ratios
Bank of Kansas, Performance and Condition Ratios
| 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 | 3.6451% | 5,314 |
| Cost of funding earning assets | 0.3000% | 5,738 |
| Net interest margin | 3.3450% | 4,480 |
| Noninterest income to average assets | 0.6963% | 2,631 |
| Noninterest expense to average assets | 2.6857% | 4,074 |
| Loan and lease loss provision to assets | -0.0564% | 6,559 |
| Net operating income to assets | 0.7271% | 3,716 |
| Return on assets (ROA) | 0.7271% | 3,843 |
| Pretax return on assets | 1.1702% | 2,811 |
| Return on Equity (ROE) | 6.4897% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.4897% | 2,141 |
| Net charge-offs to loans | 0.6861% | 877 |
| Credit loss provision to net charge-offs | -15.4589% | 5,628 |
| Earnings coverage of net charge-offs (x) | 3.0544% | 3,821 |
| Efficiency ratio | 67.6713% | 4,156 |
| Assets per employee ($millions) | 5.2517% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 1,838 |
| Loan loss allowance to noncurrent loans | 74.2312% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9467% | 2,087 |
| Noncurrent loans to loans | 2.6347% | 1,608 |
| Net loans and leases to total assets | 51.0174% | 5,002 |
| Net loans and leases to deposits | 59.6726% | 5,018 |
| Net loans and leases to core deposits | 61.9727% | 5,117 |
| Total domestic deposits to total assets | 85.4955% | 3,495 |
| Equity capital to assets | 11.6626% | 2,158 |
| Core capital (leverage) ratio | 11.2534% | 2,246 |
| Tier 1 risk-based capital ratio | 20.5173% | 1,598 |
| Total risk-based capital ratio | 21.7735% | 1,570 |
| Memoranda: | ||
| Average total assets | $302,729,250 | 2,141 |
| Average earning assets | $280,847,750 | 2,115 |
| Average equity | $33,919,750 | 2,044 |
| Average total loans | $160,897,250 | 2,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 5,125 |
| Cost of funding earning assets | 0.3088% | 5,757 |
| Net interest margin | 3.3977% | 4,192 |
| Noninterest income to average assets | 0.6773% | 2,754 |
| Noninterest expense to average assets | 2.6151% | 4,329 |
| Loan and lease loss provision to assets | -0.1885% | 6,777 |
| Net operating income to assets | 0.8684% | 2,957 |
| Return on assets (ROA) | 0.8684% | 3,108 |
| Pretax return on assets | 1.3972% | 1,940 |
| Return on Equity (ROE) | 7.8536% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.8536% | 1,546 |
| Net charge-offs to loans | 0.7375% | 880 |
| Credit loss provision to net charge-offs | -47.7612% | 5,535 |
| Earnings coverage of net charge-offs (x) | 3.0630% | 3,507 |
| Efficiency ratio | 65.4287% | 4,644 |
| Assets per employee ($millions) | 5.1214% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 1,967 |
| Loan loss allowance to noncurrent loans | 71.6327% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.0824% | 2,074 |
| Noncurrent loans to loans | 2.7206% | 1,676 |
| Net loans and leases to total assets | 52.7057% | 4,779 |
| Net loans and leases to deposits | 61.5607% | 4,792 |
| Net loans and leases to core deposits | 63.9793% | 4,896 |
| Total domestic deposits to total assets | 85.6159% | 3,571 |
| Equity capital to assets | 11.6347% | 2,184 |
| Core capital (leverage) ratio | 11.0834% | 2,280 |
| Tier 1 risk-based capital ratio | 20.1563% | 1,689 |
| Total risk-based capital ratio | 21.4153% | 1,661 |
| Memoranda: | ||
| Average total assets | $305,607,670 | 2,120 |
| Average earning assets | $283,014,000 | 2,109 |
| Average equity | $33,793,330 | 2,064 |
| Average total loans | $163,519,000 | 2,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 5,059 |
| Cost of funding earning assets | 0.3218% | 5,790 |
| Net interest margin | 3.4071% | 4,093 |
| Noninterest income to average assets | 0.6836% | 2,684 |
| Noninterest expense to average assets | 2.4529% | 4,939 |
| Loan and lease loss provision to assets | 0.5594% | 471 |
| Net operating income to assets | 0.5070% | 4,622 |
| Return on assets (ROA) | 0.5070% | 4,769 |
| Pretax return on assets | 0.8155% | 4,113 |
| Return on Equity (ROE) | 4.6992% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.6992% | 3,416 |
| Net charge-offs to loans | 1.2780% | 442 |
| Credit loss provision to net charge-offs | 81.9887% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.0150% | 3,158 |
| Efficiency ratio | 61.1706% | 5,427 |
| Assets per employee ($millions) | 5.2483% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 1,381 |
| Loan loss allowance to noncurrent loans | 92.0449% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1457% | 2,189 |
| Noncurrent loans to loans | 2.5191% | 2,049 |
| Net loans and leases to total assets | 52.4195% | 4,637 |
| Net loans and leases to deposits | 60.4745% | 4,741 |
| Net loans and leases to core deposits | 62.5937% | 4,893 |
| Total domestic deposits to total assets | 86.6804% | 3,141 |
| Equity capital to assets | 10.9418% | 3,028 |
| Core capital (leverage) ratio | 10.3128% | 3,011 |
| Tier 1 risk-based capital ratio | 18.7783% | 2,103 |
| Total risk-based capital ratio | 20.0420% | 2,074 |
| Memoranda: | ||
| Average total assets | $312,452,000 | 2,100 |
| Average earning assets | $288,343,000 | 2,097 |
| Average equity | $33,708,000 | 2,093 |
| Average total loans | $166,820,500 | 2,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 4,795 |
| Cost of funding earning assets | 0.4140% | 5,825 |
| Net interest margin | 3.7285% | 3,528 |
| Noninterest income to average assets | 0.6475% | 3,004 |
| Noninterest expense to average assets | 2.8585% | 3,818 |
| Loan and lease loss provision to assets | -0.0612% | 6,882 |
| Net operating income to assets | 0.7400% | 3,557 |
| Return on assets (ROA) | 0.7400% | 3,800 |
| Pretax return on assets | 1.1949% | 2,827 |
| Return on Equity (ROE) | 5.9568% | 4,192 |
| Retained earnings to average equity (ytd only) | -6.4895% | 6,502 |
| Net charge-offs to loans | 0.4348% | 2,497 |
| Credit loss provision to net charge-offs | -25.5484% | 6,243 |
| Earnings coverage of net charge-offs (x) | 4.7303% | 3,276 |
| Efficiency ratio | 68.9156% | 3,986 |
| Assets per employee ($millions) | 5.0848% | 2,119 |
| Cash dividends to net income (ytd only)* | 208.9427% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3580% | 1,291 |
| Loan loss allowance to noncurrent loans | 83.1019% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.8834% | 1,651 |
| Noncurrent loans to loans | 2.8375% | 1,852 |
| Net loans and leases to total assets | 51.8699% | 4,946 |
| Net loans and leases to deposits | 59.9873% | 5,025 |
| Net loans and leases to core deposits | 62.4455% | 5,110 |
| Total domestic deposits to total assets | 86.4681% | 3,115 |
| Equity capital to assets | 10.6374% | 3,354 |
| Core capital (leverage) ratio | 10.0168% | 3,377 |
| Tier 1 risk-based capital ratio | 17.1050% | 2,599 |
| Total risk-based capital ratio | 18.3670% | 2,564 |
| Memoranda: | ||
| Average total assets | $323,384,000 | 1,991 |
| Average earning assets | $290,086,600 | 2,042 |
| Average equity | $40,172,400 | 1,731 |
| Average total loans | $178,230,800 | 2,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 4,905 |
| Cost of funding earning assets | 0.4326% | 5,921 |
| Net interest margin | 3.7420% | 3,596 |
| Noninterest income to average assets | 0.5892% | 3,348 |
| Noninterest expense to average assets | 2.7357% | 4,236 |
| Loan and lease loss provision to assets | -0.2671% | 7,109 |
| Net operating income to assets | 0.9034% | 2,971 |
| Return on assets (ROA) | 0.9034% | 3,198 |
| Pretax return on assets | 1.4623% | 2,030 |
| Return on Equity (ROE) | 7.0280% | 3,796 |
| Retained earnings to average equity (ytd only) | -8.9085% | 6,784 |
| Net charge-offs to loans | 0.5019% | 2,112 |
| Credit loss provision to net charge-offs | -95.7416% | 6,238 |
| Earnings coverage of net charge-offs (x) | 4.2834% | 3,351 |
| Efficiency ratio | 66.8856% | 4,271 |
| Assets per employee ($millions) | 5.1661% | 1,973 |
| Cash dividends to net income (ytd only)* | 226.7571% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 1,939 |
| Loan loss allowance to noncurrent loans | 52.3942% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.8936% | 1,254 |
| Noncurrent loans to loans | 3.9820% | 1,289 |
| Net loans and leases to total assets | 53.4492% | 4,833 |
| Net loans and leases to deposits | 63.0102% | 4,839 |
| Net loans and leases to core deposits | 66.1650% | 4,937 |
| Total domestic deposits to total assets | 84.8262% | 3,827 |
| Equity capital to assets | 12.3874% | 1,970 |
| Core capital (leverage) ratio | 9.6824% | 3,991 |
| Tier 1 risk-based capital ratio | 17.6505% | 2,478 |
| Total risk-based capital ratio | 18.9117% | 2,445 |
| Memoranda: | ||
| Average total assets | $325,416,000 | 1,998 |
| Average earning assets | $290,606,500 | 2,057 |
| Average equity | $41,831,750 | 1,680 |
| Average total loans | $180,920,500 | 2,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 4,751 |
| Cost of funding earning assets | 0.4499% | 5,977 |
| Net interest margin | 3.8030% | 3,345 |
| Noninterest income to average assets | 0.5778% | 3,390 |
| Noninterest expense to average assets | 2.6560% | 4,588 |
| Loan and lease loss provision to assets | -0.4713% | 7,200 |
| Net operating income to assets | 1.1033% | 2,032 |
| Return on assets (ROA) | 1.1033% | 2,252 |
| Pretax return on assets | 1.7808% | 1,080 |
| Return on Equity (ROE) | 8.4839% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.4839% | 1,454 |
| Net charge-offs to loans | 0.6830% | 1,623 |
| Credit loss provision to net charge-offs | -123.4076% | 6,077 |
| Earnings coverage of net charge-offs (x) | 3.4283% | 3,376 |
| Efficiency ratio | 64.3252% | 4,829 |
| Assets per employee ($millions) | 5.4190% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 2,088 |
| Loan loss allowance to noncurrent loans | 44.6630% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 4.1224% | 1,218 |
| Noncurrent loans to loans | 4.6111% | 1,134 |
| Net loans and leases to total assets | 50.6268% | 5,276 |
| Net loans and leases to deposits | 60.0699% | 5,229 |
| Net loans and leases to core deposits | 63.2449% | 5,281 |
| Total domestic deposits to total assets | 84.2798% | 4,203 |
| Equity capital to assets | 13.1909% | 1,435 |
| Core capital (leverage) ratio | 11.0531% | 2,248 |
| Tier 1 risk-based capital ratio | 21.2944% | 1,424 |
| Total risk-based capital ratio | 22.5559% | 1,399 |
| Memoranda: | ||
| Average total assets | $328,843,000 | 1,975 |
| Average earning assets | $292,929,000 | 2,029 |
| Average equity | $42,763,330 | 1,632 |
| Average total loans | $183,885,330 | 2,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 3,963 |
| Cost of funding earning assets | 0.4792% | 5,950 |
| Net interest margin | 4.0106% | 2,459 |
| Noninterest income to average assets | 0.5891% | 3,302 |
| Noninterest expense to average assets | 2.6196% | 4,745 |
| Loan and lease loss provision to assets | -0.7037% | 7,275 |
| Net operating income to assets | 1.3806% | 1,256 |
| Return on assets (ROA) | 1.3806% | 1,404 |
| Pretax return on assets | 2.2452% | 499 |
| Return on Equity (ROE) | 10.6936% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.6936% | 1,112 |
| Net charge-offs to loans | 0.4475% | 1,970 |
| Credit loss provision to net charge-offs | -270.8920% | 5,658 |
| Earnings coverage of net charge-offs (x) | 5.9343% | 2,278 |
| Efficiency ratio | 60.4338% | 5,554 |
| Assets per employee ($millions) | 5.0156% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 1,657 |
| Loan loss allowance to noncurrent loans | 37.4275% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 5.5464% | 882 |
| Noncurrent loans to loans | 6.1740% | 805 |
| Net loans and leases to total assets | 53.5812% | 4,791 |
| Net loans and leases to deposits | 63.9417% | 4,646 |
| Net loans and leases to core deposits | 67.6804% | 4,719 |
| Total domestic deposits to total assets | 83.7969% | 4,595 |
| Equity capital to assets | 13.1495% | 1,377 |
| Core capital (leverage) ratio | 10.8203% | 2,423 |
| Tier 1 risk-based capital ratio | 20.0960% | 1,686 |
| Total risk-based capital ratio | 21.3608% | 1,656 |
| Memoranda: | ||
| Average total assets | $327,983,500 | 1,983 |
| Average earning assets | $292,126,000 | 2,047 |
| Average equity | $42,343,000 | 1,640 |
| Average total loans | $190,392,000 | 2,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 3,327 |
| Cost of funding earning assets | 0.7148% | 5,437 |
| Net interest margin | 4.1898% | 2,097 |
| Noninterest income to average assets | 0.5786% | 3,305 |
| Noninterest expense to average assets | 2.7481% | 4,560 |
| Loan and lease loss provision to assets | 0.9905% | 958 |
| Net operating income to assets | 0.3296% | 5,151 |
| Return on assets (ROA) | 0.3296% | 5,300 |
| Pretax return on assets | 0.5331% | 4,892 |
| Return on Equity (ROE) | 2.6759% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.6759% | 4,327 |
| Net charge-offs to loans | 1.6760% | 919 |
| Credit loss provision to net charge-offs | 92.0445% | 3,920 |
| Earnings coverage of net charge-offs (x) | 1.4159% | 4,711 |
| Efficiency ratio | 61.8247% | 5,485 |
| Assets per employee ($millions) | 5.2374% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4370% | 1,401 |
| Loan loss allowance to noncurrent loans | 43.4001% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 5.4926% | 934 |
| Noncurrent loans to loans | 5.6152% | 935 |
| Net loans and leases to total assets | 59.7200% | 4,040 |
| Net loans and leases to deposits | 70.0474% | 4,090 |
| Net loans and leases to core deposits | 75.0280% | 4,098 |
| Total domestic deposits to total assets | 85.2565% | 3,720 |
| Equity capital to assets | 12.6735% | 1,679 |
| Core capital (leverage) ratio | 10.3221% | 2,942 |
| Tier 1 risk-based capital ratio | 17.5545% | 2,363 |
| Total risk-based capital ratio | 18.8219% | 2,323 |
| Memoranda: | ||
| Average total assets | $334,090,200 | 1,936 |
| Average earning assets | $294,473,600 | 1,988 |
| Average equity | $41,145,800 | 1,629 |
| Average total loans | $214,497,600 | 1,916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 3,297 |
| Cost of funding earning assets | 0.7633% | 5,375 |
| Net interest margin | 4.1946% | 2,124 |
| Noninterest income to average assets | 0.5538% | 3,489 |
| Noninterest expense to average assets | 2.7579% | 4,505 |
| Loan and lease loss provision to assets | 0.9533% | 923 |
| Net operating income to assets | 0.3103% | 5,362 |
| Return on assets (ROA) | 0.3103% | 5,532 |
| Pretax return on assets | 0.5331% | 5,030 |
| Return on Equity (ROE) | 2.5379% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.5379% | 4,846 |
| Net charge-offs to loans | 1.8888% | 693 |
| Credit loss provision to net charge-offs | 77.7165% | 4,222 |
| Earnings coverage of net charge-offs (x) | 1.2118% | 4,716 |
| Efficiency ratio | 62.4297% | 5,346 |
| Assets per employee ($millions) | 5.2357% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 1,848 |
| Loan loss allowance to noncurrent loans | 34.5378% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 6.1652% | 856 |
| Noncurrent loans to loans | 6.3858% | 837 |
| Net loans and leases to total assets | 60.7745% | 3,986 |
| Net loans and leases to deposits | 71.1587% | 4,112 |
| Net loans and leases to core deposits | 76.7867% | 4,085 |
| Total domestic deposits to total assets | 85.4070% | 3,550 |
| Equity capital to assets | 12.5891% | 1,859 |
| Core capital (leverage) ratio | 10.1955% | 3,198 |
| Tier 1 risk-based capital ratio | 16.7986% | 2,721 |
| Total risk-based capital ratio | 18.0622% | 2,690 |
| Memoranda: | ||
| Average total assets | $335,124,000 | 1,936 |
| Average earning assets | $294,850,750 | 1,991 |
| Average equity | $40,978,000 | 1,639 |
| Average total loans | $217,629,250 | 1,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 2,640 |
| Cost of funding earning assets | 0.8151% | 5,272 |
| Net interest margin | 4.2928% | 1,690 |
| Noninterest income to average assets | 0.5266% | 3,655 |
| Noninterest expense to average assets | 2.7434% | 4,650 |
| Loan and lease loss provision to assets | 1.0615% | 790 |
| Net operating income to assets | 0.3057% | 5,352 |
| Return on assets (ROA) | 0.3057% | 5,486 |
| Pretax return on assets | 0.4957% | 5,090 |
| Return on Equity (ROE) | 2.5248% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.5248% | 4,684 |
| Net charge-offs to loans | 2.4549% | 491 |
| Credit loss provision to net charge-offs | 65.6629% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.9633% | 4,574 |
| Efficiency ratio | 61.2921% | 5,688 |
| Assets per employee ($millions) | 5.1031% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 2,396 |
| Loan loss allowance to noncurrent loans | 27.2131% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 6.4129% | 837 |
| Noncurrent loans to loans | 7.3180% | 680 |
| Net loans and leases to total assets | 63.3984% | 3,599 |
| Net loans and leases to deposits | 74.2182% | 3,769 |
| Net loans and leases to core deposits | 82.4395% | 3,440 |
| Total domestic deposits to total assets | 85.4216% | 3,657 |
| Equity capital to assets | 12.3900% | 1,852 |
| Core capital (leverage) ratio | 9.9625% | 3,309 |
| Tier 1 risk-based capital ratio | 16.1685% | 2,894 |
| Total risk-based capital ratio | 17.4297% | 2,862 |
| Memoranda: | ||
| Average total assets | $336,882,330 | 1,936 |
| Average earning assets | $296,167,330 | 1,999 |
| Average equity | $40,795,670 | 1,642 |
| Average total loans | $221,844,000 | 1,898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 2,632 |
| Cost of funding earning assets | 0.8519% | 5,258 |
| Net interest margin | 4.2514% | 1,739 |
| Noninterest income to average assets | 0.5774% | 3,323 |
| Noninterest expense to average assets | 2.6571% | 5,009 |
| Loan and lease loss provision to assets | 0.6940% | 1,216 |
| Net operating income to assets | 0.5915% | 4,076 |
| Return on assets (ROA) | 0.5915% | 4,146 |
| Pretax return on assets | 0.9544% | 3,304 |
| Return on Equity (ROE) | 4.9404% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.9404% | 3,232 |
| Net charge-offs to loans | 1.0342% | 1,322 |
| Credit loss provision to net charge-offs | 101.0292% | 2,611 |
| Earnings coverage of net charge-offs (x) | 2.3997% | 3,123 |
| Efficiency ratio | 59.2228% | 6,097 |
| Assets per employee ($millions) | 5.3416% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 1,683 |
| Loan loss allowance to noncurrent loans | 36.9447% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 5.3098% | 1,159 |
| Noncurrent loans to loans | 6.3599% | 960 |
| Net loans and leases to total assets | 63.3862% | 3,565 |
| Net loans and leases to deposits | 73.8716% | 3,779 |
| Net loans and leases to core deposits | 83.8841% | 3,178 |
| Total domestic deposits to total assets | 85.8059% | 3,633 |
| Equity capital to assets | 11.9517% | 1,946 |
| Core capital (leverage) ratio | 9.8672% | 3,317 |
| Tier 1 risk-based capital ratio | 16.0820% | 2,867 |
| Total risk-based capital ratio | 17.3490% | 2,832 |
| Memoranda: | ||
| Average total assets | $339,471,500 | 1,936 |
| Average earning assets | $297,692,500 | 2,009 |
| Average equity | $40,644,500 | 1,642 |
| Average total loans | $225,482,000 | 1,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 3,574 |
| Cost of funding earning assets | 1.0246% | 5,562 |
| Net interest margin | 4.1820% | 2,255 |
| Noninterest income to average assets | 0.7767% | 2,395 |
| Noninterest expense to average assets | 2.6228% | 5,324 |
| Loan and lease loss provision to assets | 1.3038% | 1,178 |
| Net operating income to assets | 0.3256% | 4,850 |
| Return on assets (ROA) | 0.3282% | 4,992 |
| Pretax return on assets | 0.5349% | 4,515 |
| Return on Equity (ROE) | 3.0379% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.0379% | 3,723 |
| Net charge-offs to loans | 1.0243% | 2,150 |
| Credit loss provision to net charge-offs | 187.1113% | 1,745 |
| Earnings coverage of net charge-offs (x) | 2.6330% | 3,785 |
| Efficiency ratio | 56.5242% | 6,523 |
| Assets per employee ($millions) | 5.1859% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 1,737 |
| Loan loss allowance to noncurrent loans | 36.5782% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 5.5366% | 1,116 |
| Noncurrent loans to loans | 6.2159% | 991 |
| Net loans and leases to total assets | 66.4080% | 3,379 |
| Net loans and leases to deposits | 77.4479% | 3,597 |
| Net loans and leases to core deposits | 88.1869% | 3,028 |
| Total domestic deposits to total assets | 85.7454% | 3,476 |
| Equity capital to assets | 11.9944% | 1,915 |
| Core capital (leverage) ratio | 9.5955% | 3,563 |
| Tier 1 risk-based capital ratio | 15.3100% | 3,096 |
| Total risk-based capital ratio | 16.5760% | 3,041 |
| Memoranda: | ||
| Average total assets | $350,732,200 | 1,866 |
| Average earning assets | $308,701,200 | 1,929 |
| Average equity | $37,887,800 | 1,733 |
| Average total loans | $238,611,800 | 1,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1809% | 3,934 |
| Cost of funding earning assets | 1.0381% | 5,754 |
| Net interest margin | 4.1428% | 2,437 |
| Noninterest income to average assets | 0.8091% | 2,193 |
| Noninterest expense to average assets | 2.6124% | 5,276 |
| Loan and lease loss provision to assets | 1.4600% | 922 |
| Net operating income to assets | 0.2380% | 5,399 |
| Return on assets (ROA) | 0.2413% | 5,544 |
| Pretax return on assets | 0.3931% | 5,237 |
| Return on Equity (ROE) | 2.2942% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.2942% | 4,789 |
| Net charge-offs to loans | 1.3178% | 1,545 |
| Credit loss provision to net charge-offs | 162.8044% | 2,311 |
| Earnings coverage of net charge-offs (x) | 2.0605% | 4,182 |
| Efficiency ratio | 56.2759% | 6,516 |
| Assets per employee ($millions) | 5.0260% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 2,362 |
| Loan loss allowance to noncurrent loans | 32.8263% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 5.4496% | 1,135 |
| Noncurrent loans to loans | 5.9284% | 1,064 |
| Net loans and leases to total assets | 67.4472% | 3,340 |
| Net loans and leases to deposits | 78.8630% | 3,658 |
| Net loans and leases to core deposits | 90.7550% | 2,990 |
| Total domestic deposits to total assets | 85.5245% | 3,331 |
| Equity capital to assets | 11.7532% | 2,319 |
| Core capital (leverage) ratio | 9.1858% | 4,394 |
| Tier 1 risk-based capital ratio | 14.8228% | 3,332 |
| Total risk-based capital ratio | 16.0849% | 3,311 |
| Memoranda: | ||
| Average total assets | $354,144,500 | 1,871 |
| Average earning assets | $312,114,250 | 1,933 |
| Average equity | $37,252,000 | 1,791 |
| Average total loans | $241,000,250 | 1,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 4,052 |
| Cost of funding earning assets | 1.0041% | 6,115 |
| Net interest margin | 4.1748% | 2,245 |
| Noninterest income to average assets | 0.8742% | 1,785 |
| Noninterest expense to average assets | 2.5824% | 5,398 |
| Loan and lease loss provision to assets | 1.5173% | 869 |
| Net operating income to assets | 0.2858% | 5,237 |
| Return on assets (ROA) | 0.2908% | 5,370 |
| Pretax return on assets | 0.4751% | 4,987 |
| Return on Equity (ROE) | 2.8721% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.8721% | 4,313 |
| Net charge-offs to loans | 1.2825% | 1,486 |
| Credit loss provision to net charge-offs | 174.4544% | 2,243 |
| Earnings coverage of net charge-offs (x) | 2.2818% | 3,866 |
| Efficiency ratio | 54.3332% | 6,840 |
| Assets per employee ($millions) | 4.9354% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 2,257 |
| Loan loss allowance to noncurrent loans | 24.3663% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 6.3368% | 906 |
| Noncurrent loans to loans | 8.0821% | 641 |
| Net loans and leases to total assets | 60.2188% | 5,015 |
| Net loans and leases to deposits | 70.0979% | 5,265 |
| Net loans and leases to core deposits | 82.7750% | 4,313 |
| Total domestic deposits to total assets | 85.9067% | 3,143 |
| Equity capital to assets | 11.4373% | 2,491 |
| Core capital (leverage) ratio | 9.0759% | 4,485 |
| Tier 1 risk-based capital ratio | 16.8380% | 2,345 |
| Total risk-based capital ratio | 18.1013% | 2,291 |
| Memoranda: | ||
| Average total assets | $358,269,000 | 1,869 |
| Average earning assets | $316,902,330 | 1,917 |
| Average equity | $36,279,670 | 1,839 |
| Average total loans | $242,970,330 | 1,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 3,733 |
| Cost of funding earning assets | 1.0335% | 6,210 |
| Net interest margin | 4.2269% | 1,942 |
| Noninterest income to average assets | 1.2943% | 720 |
| Noninterest expense to average assets | 2.5555% | 5,533 |
| Loan and lease loss provision to assets | 2.2132% | 486 |
| Net operating income to assets | 0.1762% | 5,768 |
| Return on assets (ROA) | 0.1811% | 5,878 |
| Pretax return on assets | 0.2960% | 5,615 |
| Return on Equity (ROE) | 1.9081% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.9081% | 4,980 |
| Net charge-offs to loans | 1.6758% | 1,035 |
| Credit loss provision to net charge-offs | 186.2454% | 1,969 |
| Earnings coverage of net charge-offs (x) | 2.1050% | 3,490 |
| Efficiency ratio | 48.5477% | 7,403 |
| Assets per employee ($millions) | 4.9797% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,847 |
| Loan loss allowance to noncurrent loans | 21.4968% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 6.6363% | 844 |
| Noncurrent loans to loans | 8.2070% | 648 |
| Net loans and leases to total assets | 62.2291% | 4,715 |
| Net loans and leases to deposits | 71.3039% | 5,151 |
| Net loans and leases to core deposits | 84.7951% | 4,092 |
| Total domestic deposits to total assets | 87.2731% | 2,482 |
| Equity capital to assets | 9.6282% | 4,335 |
| Core capital (leverage) ratio | 7.3111% | 7,018 |
| Tier 1 risk-based capital ratio | 13.3846% | 4,057 |
| Total risk-based capital ratio | 14.6458% | 4,014 |
| Memoranda: | ||
| Average total assets | $362,196,500 | 1,890 |
| Average earning assets | $322,414,000 | 1,932 |
| Average equity | $34,380,500 | 1,968 |
| Average total loans | $256,828,500 | 1,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 5,913 |
| Cost of funding earning assets | 1.5136% | 5,461 |
| Net interest margin | 3.6284% | 4,441 |
| Noninterest income to average assets | 1.9174% | 400 |
| Noninterest expense to average assets | 2.6236% | 5,704 |
| Loan and lease loss provision to assets | 0.7967% | 2,740 |
| Net operating income to assets | 1.1716% | 1,324 |
| Return on assets (ROA) | 1.2089% | 1,273 |
| Pretax return on assets | 1.9112% | 497 |
| Return on Equity (ROE) | 12.1154% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.1154% | 199 |
| Net charge-offs to loans | 0.2773% | 4,895 |
| Credit loss provision to net charge-offs | 421.4936% | 747 |
| Earnings coverage of net charge-offs (x) | 14.0182% | 1,391 |
| Efficiency ratio | 47.8780% | 7,635 |
| Assets per employee ($millions) | 5.4605% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,016 |
| Loan loss allowance to noncurrent loans | 18.2980% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 6.0822% | 922 |
| Noncurrent loans to loans | 5.8726% | 1,065 |
| Net loans and leases to total assets | 77.4778% | 1,485 |
| Net loans and leases to deposits | 88.9968% | 2,389 |
| Net loans and leases to core deposits | 136.3015% | 942 |
| Total domestic deposits to total assets | 87.0568% | 2,467 |
| Equity capital to assets | 9.3590% | 4,619 |
| Core capital (leverage) ratio | 7.1329% | 7,127 |
| Tier 1 risk-based capital ratio | 10.1445% | 6,746 |
| Total risk-based capital ratio | 11.3946% | 6,714 |
| Memoranda: | ||
| Average total assets | $290,440,400 | 2,277 |
| Average earning assets | $268,627,800 | 2,250 |
| Average equity | $28,979,600 | 2,304 |
| Average total loans | $197,960,400 | 2,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 7,449 |
| Cost of funding earning assets | 1.5500% | 5,635 |
| Net interest margin | 3.0148% | 6,564 |
| Noninterest income to average assets | 2.3599% | 289 |
| Noninterest expense to average assets | 2.4129% | 6,378 |
| Loan and lease loss provision to assets | 0.9421% | 2,042 |
| Net operating income to assets | 1.1241% | 1,656 |
| Return on assets (ROA) | 1.1763% | 1,580 |
| Pretax return on assets | 1.8812% | 685 |
| Return on Equity (ROE) | 11.5476% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.5476% | 402 |
| Net charge-offs to loans | 0.3314% | 3,977 |
| Credit loss provision to net charge-offs | 439.1304% | 901 |
| Earnings coverage of net charge-offs (x) | 12.7804% | 1,730 |
| Efficiency ratio | 44.9429% | 7,804 |
| Assets per employee ($millions) | 4.9068% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,596 |
| Loan loss allowance to noncurrent loans | 11.5480% | 7,419 |
| Noncurrent assets plus other real estate owned to assets | 7.4594% | 602 |
| Noncurrent loans to loans | 9.7036% | 418 |
| Net loans and leases to total assets | 67.9480% | 3,976 |
| Net loans and leases to deposits | 77.7497% | 4,771 |
| Net loans and leases to core deposits | 114.8101% | 2,750 |
| Total domestic deposits to total assets | 87.3933% | 1,950 |
| Equity capital to assets | 9.1735% | 5,211 |
| Core capital (leverage) ratio | 6.9818% | 7,446 |
| Tier 1 risk-based capital ratio | 10.2267% | 6,754 |
| Total risk-based capital ratio | 11.4498% | 6,720 |
| Memoranda: | ||
| Average total assets | $271,587,500 | 2,411 |
| Average earning assets | $251,775,000 | 2,409 |
| Average equity | $27,664,500 | 2,416 |
| Average total loans | $175,817,250 | 2,597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 7,957 |
| Cost of funding earning assets | 1.4762% | 6,237 |
| Net interest margin | 2.3735% | 7,599 |
| Noninterest income to average assets | 3.5266% | 180 |
| Noninterest expense to average assets | 2.0333% | 7,403 |
| Loan and lease loss provision to assets | 1.2502% | 1,367 |
| Net operating income to assets | 1.4743% | 889 |
| Return on assets (ROA) | 1.5571% | 805 |
| Pretax return on assets | 2.5560% | 190 |
| Return on Equity (ROE) | 14.5600% | 892 |
| Retained earnings to average equity (ytd only) | 14.5600% | 228 |
| Net charge-offs to loans | 0.6572% | 2,392 |
| Credit loss provision to net charge-offs | 303.2193% | 1,531 |
| Earnings coverage of net charge-offs (x) | 8.9175% | 2,198 |
| Efficiency ratio | 34.0840% | 8,084 |
| Assets per employee ($millions) | 4.8608% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 6,741 |
| Loan loss allowance to noncurrent loans | 17.1627% | 7,274 |
| Noncurrent assets plus other real estate owned to assets | 4.7576% | 1,162 |
| Noncurrent loans to loans | 5.2792% | 1,128 |
| Net loans and leases to total assets | 70.6632% | 3,538 |
| Net loans and leases to deposits | 84.3132% | 3,822 |
| Net loans and leases to core deposits | 123.2903% | 2,088 |
| Total domestic deposits to total assets | 83.8103% | 3,864 |
| Equity capital to assets | 9.0818% | 5,196 |
| Core capital (leverage) ratio | 11.5002% | 2,086 |
| Tier 1 risk-based capital ratio | 9.7657% | 7,172 |
| Total risk-based capital ratio | 10.7599% | 7,337 |
| Memoranda: | ||
| Average total assets | $241,083,000 | 2,740 |
| Average earning assets | $221,782,330 | 2,724 |
| Average equity | $25,783,000 | 2,574 |
| Average total loans | $151,251,000 | 2,958 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 7,792 |
| Cost of funding earning assets | 1.8838% | 4,720 |
| Net interest margin | 2.5247% | 7,472 |
| Noninterest income to average assets | 1.0805% | 1,282 |
| Noninterest expense to average assets | 2.4866% | 5,889 |
| Loan and lease loss provision to assets | 1.0893% | 1,203 |
| Net operating income to assets | -0.1367% | 6,465 |
| Return on assets (ROA) | 0.0858% | 6,187 |
| Pretax return on assets | 0.1496% | 6,052 |
| Return on Equity (ROE) | 0.6983% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.6983% | 5,379 |
| Net charge-offs to loans | 0.2190% | 3,326 |
| Credit loss provision to net charge-offs | 916.6667% | 673 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,335 |
| Efficiency ratio | 70.3583% | 4,504 |
| Assets per employee ($millions) | 6.9747% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 1,993 |
| Loan loss allowance to noncurrent loans | 97.9899% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 4,567 |
| Noncurrent loans to loans | 1.7817% | 3,590 |
| Net loans and leases to total assets | 52.4472% | 6,635 |
| Net loans and leases to deposits | 61.8686% | 6,747 |
| Net loans and leases to core deposits | 99.0890% | 4,631 |
| Total domestic deposits to total assets | 84.7720% | 3,316 |
| Equity capital to assets | 11.8455% | 2,351 |
| Core capital (leverage) ratio | 8.5551% | 5,421 |
| Tier 1 risk-based capital ratio | 12.5072% | 4,548 |
| Total risk-based capital ratio | 13.7607% | 4,463 |
| Memoranda: | ||
| Average total assets | $181,775,500 | 3,480 |
| Average earning assets | $165,409,000 | 3,484 |
| Average equity | $22,341,000 | 2,939 |
| Average total loans | $98,627,500 | 4,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0919% | 5,092 |
| Cost of funding earning assets | 2.4534% | 4,455 |
| Net interest margin | 3.6385% | 4,726 |
| Noninterest income to average assets | 0.5625% | 4,134 |
| Noninterest expense to average assets | 3.0000% | 4,083 |
| Loan and lease loss provision to assets | 0.4082% | 3,239 |
| Net operating income to assets | 0.2091% | 5,819 |
| Return on assets (ROA) | 0.2115% | 5,632 |
| Pretax return on assets | 0.3064% | 5,498 |
| Return on Equity (ROE) | 1.2013% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.2013% | 4,510 |
| Net charge-offs to loans | 0.1335% | 4,887 |
| Credit loss provision to net charge-offs | 595.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 10.3667% | 2,522 |
| Efficiency ratio | 74.6457% | 3,472 |
| Assets per employee ($millions) | 6.3490% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 3,215 |
| Loan loss allowance to noncurrent loans | 1,023.3333% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,313 |
| Noncurrent loans to loans | 0.1365% | 7,002 |
| Net loans and leases to total assets | 45.4959% | 7,371 |
| Net loans and leases to deposits | 55.0987% | 7,378 |
| Net loans and leases to core deposits | 89.8474% | 5,811 |
| Total domestic deposits to total assets | 82.5715% | 3,965 |
| Equity capital to assets | 16.3963% | 863 |
| Core capital (leverage) ratio | 9.2354% | 4,385 |
| Tier 1 risk-based capital ratio | 15.9258% | 2,694 |
| Total risk-based capital ratio | 17.1763% | 2,638 |
| Memoranda: | ||
| Average total assets | $87,466,000 | 5,434 |
| Average earning assets | $75,691,000 | 5,602 |
| Average equity | $15,400,200 | 4,057 |
| Average total loans | $44,943,200 | 5,928 |