Home > Bankers Trust Company > Performance and Condition Ratios
Bankers Trust Company, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 2,799 |
| Cost of funding earning assets | 0.6128% | 1,299 |
| Net interest margin | 3.5195% | 3,454 |
| Noninterest income to average assets | 0.6065% | 2,687 |
| Noninterest expense to average assets | 2.2503% | 4,920 |
| Loan and lease loss provision to assets | 0.0728% | 2,814 |
| Net operating income to assets | 1.0567% | 2,097 |
| Return on assets (ROA) | 1.0567% | 2,180 |
| Pretax return on assets | 1.6386% | 1,140 |
| Return on Equity (ROE) | 10.5575% | 1,779 |
| Retained earnings to average equity (ytd only) | 8.8952% | 676 |
| Net charge-offs to loans | 0.0051% | 4,269 |
| Credit loss provision to net charge-offs | 1,590.9091% | 221 |
| Earnings coverage of net charge-offs (x) | 374.0455% | 178 |
| Efficiency ratio | 56.8009% | 5,273 |
| Assets per employee ($millions) | 11.4686% | 173 |
| Cash dividends to net income (ytd only)* | 15.7449% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 944 |
| Loan loss allowance to noncurrent loans | 2,812.2112% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,097 |
| Noncurrent loans to loans | 0.0678% | 5,243 |
| Net loans and leases to total assets | 88.8480% | 98 |
| Net loans and leases to deposits | 147.1627% | 12 |
| Net loans and leases to core deposits | 166.4933% | 66 |
| Total domestic deposits to total assets | 60.3740% | 6,087 |
| Equity capital to assets | 10.1722% | 3,779 |
| Core capital (leverage) ratio | 9.9994% | 3,510 |
| Tier 1 risk-based capital ratio | 10.6065% | 5,726 |
| Total risk-based capital ratio | 11.8636% | 5,643 |
| Memoranda: | ||
| Average total assets | $480,823,400 | 1,403 |
| Average earning assets | $458,382,800 | 1,354 |
| Average equity | $48,127,000 | 1,546 |
| Average total loans | $429,319,800 | 1,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 2,909 |
| Cost of funding earning assets | 0.6257% | 1,241 |
| Net interest margin | 3.4811% | 3,621 |
| Noninterest income to average assets | 0.6126% | 2,676 |
| Noninterest expense to average assets | 2.2561% | 4,890 |
| Loan and lease loss provision to assets | 0.0726% | 2,722 |
| Net operating income to assets | 1.0304% | 2,328 |
| Return on assets (ROA) | 1.0304% | 2,417 |
| Pretax return on assets | 1.5989% | 1,385 |
| Return on Equity (ROE) | 10.3376% | 1,957 |
| Retained earnings to average equity (ytd only) | 9.2176% | 824 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4433% | 5,188 |
| Assets per employee ($millions) | 10.4315% | 233 |
| Cash dividends to net income (ytd only)* | 10.8342% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 976 |
| Loan loss allowance to noncurrent loans | 5,092.1687% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 5,344 |
| Noncurrent loans to loans | 0.0385% | 5,464 |
| Net loans and leases to total assets | 88.1075% | 132 |
| Net loans and leases to deposits | 143.8797% | 18 |
| Net loans and leases to core deposits | 162.9142% | 72 |
| Total domestic deposits to total assets | 61.2369% | 6,165 |
| Equity capital to assets | 10.2795% | 3,843 |
| Core capital (leverage) ratio | 10.0292% | 3,581 |
| Tier 1 risk-based capital ratio | 10.8979% | 5,707 |
| Total risk-based capital ratio | 12.1557% | 5,621 |
| Memoranda: | ||
| Average total assets | $477,742,250 | 1,418 |
| Average earning assets | $454,934,250 | 1,370 |
| Average equity | $47,617,750 | 1,566 |
| Average total loans | $424,981,500 | 1,080 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,054 |
| Cost of funding earning assets | 0.6478% | 1,119 |
| Net interest margin | 3.4073% | 3,889 |
| Noninterest income to average assets | 0.5958% | 2,769 |
| Noninterest expense to average assets | 2.2321% | 5,023 |
| Loan and lease loss provision to assets | 0.0713% | 2,688 |
| Net operating income to assets | 0.9907% | 2,434 |
| Return on assets (ROA) | 0.9907% | 2,546 |
| Pretax return on assets | 1.5361% | 1,536 |
| Return on Equity (ROE) | 10.0450% | 2,048 |
| Retained earnings to average equity (ytd only) | 9.1948% | 861 |
| Net charge-offs to loans | 0.0005% | 3,884 |
| Credit loss provision to net charge-offs | 17,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 3,834.0000% | 9 |
| Efficiency ratio | 58.1350% | 5,206 |
| Assets per employee ($millions) | 10.8313% | 208 |
| Cash dividends to net income (ytd only)* | 8.4638% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 1,155 |
| Loan loss allowance to noncurrent loans | 4,890.0585% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 5,097 |
| Noncurrent loans to loans | 0.0389% | 5,594 |
| Net loans and leases to total assets | 88.4594% | 115 |
| Net loans and leases to deposits | 135.3246% | 30 |
| Net loans and leases to core deposits | 173.5144% | 61 |
| Total domestic deposits to total assets | 65.3683% | 6,182 |
| Equity capital to assets | 9.8560% | 4,208 |
| Core capital (leverage) ratio | 9.8887% | 3,755 |
| Tier 1 risk-based capital ratio | 10.5008% | 5,920 |
| Total risk-based capital ratio | 11.7581% | 5,862 |
| Memoranda: | ||
| Average total assets | $477,040,330 | 1,429 |
| Average earning assets | $454,138,000 | 1,379 |
| Average equity | $47,048,330 | 1,588 |
| Average total loans | $422,897,000 | 1,085 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,201 |
| Cost of funding earning assets | 0.6667% | 1,014 |
| Net interest margin | 3.3426% | 4,052 |
| Noninterest income to average assets | 0.5137% | 3,200 |
| Noninterest expense to average assets | 2.2100% | 5,117 |
| Loan and lease loss provision to assets | 0.0678% | 2,586 |
| Net operating income to assets | 0.9121% | 2,690 |
| Return on assets (ROA) | 0.9121% | 2,813 |
| Pretax return on assets | 1.4148% | 1,838 |
| Return on Equity (ROE) | 9.2454% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.2454% | 1,117 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8485% | 5,110 |
| Assets per employee ($millions) | 10.5888% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 1,208 |
| Loan loss allowance to noncurrent loans | 4,782.0809% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,183 |
| Noncurrent loans to loans | 0.0405% | 5,620 |
| Net loans and leases to total assets | 85.9448% | 195 |
| Net loans and leases to deposits | 138.1046% | 22 |
| Net loans and leases to core deposits | 171.7587% | 67 |
| Total domestic deposits to total assets | 62.2316% | 6,301 |
| Equity capital to assets | 9.6778% | 4,536 |
| Core capital (leverage) ratio | 10.0315% | 3,556 |
| Tier 1 risk-based capital ratio | 10.7050% | 5,934 |
| Total risk-based capital ratio | 11.9628% | 5,858 |
| Memoranda: | ||
| Average total assets | $471,856,000 | 1,446 |
| Average earning assets | $448,757,000 | 1,398 |
| Average equity | $46,553,000 | 1,612 |
| Average total loans | $414,585,000 | 1,107 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,155 |
| Cost of funding earning assets | 0.8531% | 497 |
| Net interest margin | 3.2900% | 4,616 |
| Noninterest income to average assets | 0.5479% | 3,185 |
| Noninterest expense to average assets | 2.1786% | 5,390 |
| Loan and lease loss provision to assets | 0.1121% | 2,299 |
| Net operating income to assets | 0.9048% | 2,849 |
| Return on assets (ROA) | 0.9048% | 2,933 |
| Pretax return on assets | 1.3706% | 2,000 |
| Return on Equity (ROE) | 9.1393% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.7807% | 1,099 |
| Net charge-offs to loans | -0.1940% | 6,258 |
| Credit loss provision to net charge-offs | -66.7557% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5028% | 5,283 |
| Assets per employee ($millions) | 10.1473% | 239 |
| Cash dividends to net income (ytd only)* | 14.8662% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 1,048 |
| Loan loss allowance to noncurrent loans | 4,577.0950% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,156 |
| Noncurrent loans to loans | 0.0445% | 5,699 |
| Net loans and leases to total assets | 86.3024% | 190 |
| Net loans and leases to deposits | 134.4694% | 31 |
| Net loans and leases to core deposits | 170.5989% | 67 |
| Total domestic deposits to total assets | 64.1800% | 6,354 |
| Equity capital to assets | 10.0666% | 4,024 |
| Core capital (leverage) ratio | 10.1345% | 3,385 |
| Tier 1 risk-based capital ratio | 11.4147% | 5,708 |
| Total risk-based capital ratio | 12.6649% | 5,631 |
| Memoranda: | ||
| Average total assets | $446,067,200 | 1,484 |
| Average earning assets | $422,130,400 | 1,451 |
| Average equity | $44,160,800 | 1,632 |
| Average total loans | $386,013,400 | 1,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,287 |
| Cost of funding earning assets | 0.8892% | 438 |
| Net interest margin | 3.2326% | 4,847 |
| Noninterest income to average assets | 0.5791% | 3,000 |
| Noninterest expense to average assets | 2.1920% | 5,370 |
| Loan and lease loss provision to assets | 0.1182% | 2,094 |
| Net operating income to assets | 0.8801% | 3,019 |
| Return on assets (ROA) | 0.8801% | 3,116 |
| Pretax return on assets | 1.3254% | 2,286 |
| Return on Equity (ROE) | 8.9285% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,355 |
| Net charge-offs to loans | -0.2629% | 6,361 |
| Credit loss provision to net charge-offs | -52.1912% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2928% | 5,138 |
| Assets per employee ($millions) | 9.5427% | 274 |
| Cash dividends to net income (ytd only)* | 10.2494% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 1,072 |
| Loan loss allowance to noncurrent loans | 4,445.0549% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 5,216 |
| Noncurrent loans to loans | 0.0475% | 5,823 |
| Net loans and leases to total assets | 85.4011% | 230 |
| Net loans and leases to deposits | 129.3986% | 44 |
| Net loans and leases to core deposits | 168.5196% | 65 |
| Total domestic deposits to total assets | 65.9985% | 6,403 |
| Equity capital to assets | 10.2748% | 3,819 |
| Core capital (leverage) ratio | 10.1161% | 3,511 |
| Tier 1 risk-based capital ratio | 11.9878% | 5,493 |
| Total risk-based capital ratio | 13.2370% | 5,412 |
| Memoranda: | ||
| Average total assets | $443,427,250 | 1,510 |
| Average earning assets | $419,254,500 | 1,464 |
| Average equity | $43,709,250 | 1,654 |
| Average total loans | $381,948,500 | 1,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 3,415 |
| Cost of funding earning assets | 0.9137% | 399 |
| Net interest margin | 3.1692% | 5,045 |
| Noninterest income to average assets | 0.5538% | 3,091 |
| Noninterest expense to average assets | 2.1640% | 5,496 |
| Loan and lease loss provision to assets | 0.1259% | 1,962 |
| Net operating income to assets | 0.8343% | 3,156 |
| Return on assets (ROA) | 0.8343% | 3,246 |
| Pretax return on assets | 1.2560% | 2,430 |
| Return on Equity (ROE) | 8.5837% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.8900% | 1,367 |
| Net charge-offs to loans | -0.4140% | 6,489 |
| Credit loss provision to net charge-offs | -35.4430% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0294% | 5,141 |
| Assets per employee ($millions) | 9.9179% | 239 |
| Cash dividends to net income (ytd only)* | 8.0819% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 1,251 |
| Loan loss allowance to noncurrent loans | 1,158.0925% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 4,966 |
| Noncurrent loans to loans | 0.1780% | 5,477 |
| Net loans and leases to total assets | 83.4461% | 340 |
| Net loans and leases to deposits | 122.1436% | 70 |
| Net loans and leases to core deposits | 156.4602% | 82 |
| Total domestic deposits to total assets | 68.3180% | 6,409 |
| Equity capital to assets | 9.6996% | 4,491 |
| Core capital (leverage) ratio | 9.9973% | 3,612 |
| Tier 1 risk-based capital ratio | 11.2784% | 5,918 |
| Total risk-based capital ratio | 12.5256% | 5,860 |
| Memoranda: | ||
| Average total assets | $444,914,330 | 1,500 |
| Average earning assets | $420,048,670 | 1,465 |
| Average equity | $43,244,670 | 1,656 |
| Average total loans | $381,607,330 | 1,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,217 |
| Cost of funding earning assets | 0.9305% | 385 |
| Net interest margin | 3.1859% | 4,967 |
| Noninterest income to average assets | 0.5473% | 3,067 |
| Noninterest expense to average assets | 2.2310% | 5,380 |
| Loan and lease loss provision to assets | 0.1530% | 1,583 |
| Net operating income to assets | 0.7822% | 3,241 |
| Return on assets (ROA) | 0.7822% | 3,323 |
| Pretax return on assets | 1.1783% | 2,578 |
| Return on Equity (ROE) | 8.0391% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.0391% | 1,580 |
| Net charge-offs to loans | -0.7808% | 6,607 |
| Credit loss provision to net charge-offs | -22.7642% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6278% | 5,044 |
| Assets per employee ($millions) | 9.5581% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,102.5281% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 4,650 |
| Noncurrent loans to loans | 0.1866% | 5,537 |
| Net loans and leases to total assets | 84.9759% | 189 |
| Net loans and leases to deposits | 123.8582% | 53 |
| Net loans and leases to core deposits | 164.6325% | 61 |
| Total domestic deposits to total assets | 68.6074% | 6,499 |
| Equity capital to assets | 9.8393% | 4,048 |
| Core capital (leverage) ratio | 10.1147% | 3,411 |
| Tier 1 risk-based capital ratio | 11.3783% | 5,972 |
| Total risk-based capital ratio | 12.6269% | 5,928 |
| Memoranda: | ||
| Average total assets | $439,259,000 | 1,533 |
| Average earning assets | $415,700,500 | 1,489 |
| Average equity | $42,741,000 | 1,664 |
| Average total loans | $378,053,000 | 1,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,949 |
| Cost of funding earning assets | 0.9905% | 469 |
| Net interest margin | 3.3125% | 4,615 |
| Noninterest income to average assets | 0.7486% | 2,297 |
| Noninterest expense to average assets | 2.2025% | 5,620 |
| Loan and lease loss provision to assets | 0.3692% | 847 |
| Net operating income to assets | 0.8595% | 2,980 |
| Return on assets (ROA) | 0.8595% | 3,066 |
| Pretax return on assets | 1.2929% | 2,185 |
| Return on Equity (ROE) | 9.0989% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.9997% | 1,058 |
| Net charge-offs to loans | 0.3672% | 1,847 |
| Credit loss provision to net charge-offs | 116.2791% | 2,073 |
| Earnings coverage of net charge-offs (x) | 5.2347% | 3,351 |
| Efficiency ratio | 56.9919% | 5,851 |
| Assets per employee ($millions) | 9.9737% | 234 |
| Cash dividends to net income (ytd only)* | 12.0805% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 1,916 |
| Loan loss allowance to noncurrent loans | 672.8682% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 4,900 |
| Noncurrent loans to loans | 0.2755% | 5,349 |
| Net loans and leases to total assets | 83.7872% | 268 |
| Net loans and leases to deposits | 117.9860% | 80 |
| Net loans and leases to core deposits | 150.7416% | 93 |
| Total domestic deposits to total assets | 71.0145% | 6,480 |
| Equity capital to assets | 9.6210% | 4,259 |
| Core capital (leverage) ratio | 9.3825% | 4,431 |
| Tier 1 risk-based capital ratio | 11.5281% | 5,892 |
| Total risk-based capital ratio | 12.7781% | 5,831 |
| Memoranda: | ||
| Average total assets | $433,366,800 | 1,528 |
| Average earning assets | $407,671,200 | 1,490 |
| Average equity | $40,939,000 | 1,710 |
| Average total loans | $374,753,400 | 1,132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 3,153 |
| Cost of funding earning assets | 0.9989% | 499 |
| Net interest margin | 3.2629% | 4,778 |
| Noninterest income to average assets | 0.8114% | 2,091 |
| Noninterest expense to average assets | 2.3018% | 5,337 |
| Loan and lease loss provision to assets | 0.2697% | 1,305 |
| Net operating income to assets | 0.8639% | 3,027 |
| Return on assets (ROA) | 0.8639% | 3,136 |
| Pretax return on assets | 1.3015% | 2,321 |
| Return on Equity (ROE) | 9.1877% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,237 |
| Net charge-offs to loans | -0.0025% | 5,704 |
| Credit loss provision to net charge-offs | -12,485.7143% | 6,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4310% | 5,507 |
| Assets per employee ($millions) | 10.4022% | 208 |
| Cash dividends to net income (ytd only)* | 8.0385% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 1,821 |
| Loan loss allowance to noncurrent loans | 1,840.4358% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 5,368 |
| Noncurrent loans to loans | 0.1066% | 6,013 |
| Net loans and leases to total assets | 84.9437% | 191 |
| Net loans and leases to deposits | 121.0669% | 64 |
| Net loans and leases to core deposits | 150.5160% | 89 |
| Total domestic deposits to total assets | 70.1626% | 6,589 |
| Equity capital to assets | 9.3086% | 4,791 |
| Core capital (leverage) ratio | 9.5832% | 4,280 |
| Tier 1 risk-based capital ratio | 10.6939% | 6,395 |
| Total risk-based capital ratio | 11.9425% | 6,364 |
| Memoranda: | ||
| Average total assets | $431,997,500 | 1,543 |
| Average earning assets | $405,354,750 | 1,503 |
| Average equity | $40,618,500 | 1,733 |
| Average total loans | $374,782,000 | 1,138 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 2,901 |
| Cost of funding earning assets | 1.0155% | 507 |
| Net interest margin | 3.2966% | 4,599 |
| Noninterest income to average assets | 0.8513% | 1,996 |
| Noninterest expense to average assets | 2.3631% | 5,169 |
| Loan and lease loss provision to assets | 0.2567% | 1,444 |
| Net operating income to assets | 0.8775% | 2,927 |
| Return on assets (ROA) | 0.8775% | 3,067 |
| Pretax return on assets | 1.3235% | 2,219 |
| Return on Equity (ROE) | 9.3001% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.7390% | 1,208 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9263% | 5,495 |
| Assets per employee ($millions) | 9.6080% | 246 |
| Cash dividends to net income (ytd only)* | 6.0331% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 1,997 |
| Loan loss allowance to noncurrent loans | 1,694.1725% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 5,527 |
| Noncurrent loans to loans | 0.1143% | 6,049 |
| Net loans and leases to total assets | 85.1274% | 181 |
| Net loans and leases to deposits | 123.1129% | 62 |
| Net loans and leases to core deposits | 152.2327% | 90 |
| Total domestic deposits to total assets | 69.1458% | 6,682 |
| Equity capital to assets | 9.4389% | 4,663 |
| Core capital (leverage) ratio | 9.4651% | 4,300 |
| Tier 1 risk-based capital ratio | 10.9135% | 6,370 |
| Total risk-based capital ratio | 12.1621% | 6,344 |
| Memoranda: | ||
| Average total assets | $426,898,330 | 1,561 |
| Average earning assets | $400,410,670 | 1,521 |
| Average equity | $40,279,000 | 1,746 |
| Average total loans | $370,526,000 | 1,145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,687 |
| Cost of funding earning assets | 1.0330% | 516 |
| Net interest margin | 3.3184% | 4,449 |
| Noninterest income to average assets | 0.8327% | 1,992 |
| Noninterest expense to average assets | 2.4519% | 4,946 |
| Loan and lease loss provision to assets | 0.2103% | 1,761 |
| Net operating income to assets | 0.8449% | 2,927 |
| Return on assets (ROA) | 0.8449% | 3,069 |
| Pretax return on assets | 1.2787% | 2,301 |
| Return on Equity (ROE) | 8.9570% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.9570% | 1,395 |
| Net charge-offs to loans | 0.0206% | 3,749 |
| Credit loss provision to net charge-offs | 1,173.6842% | 275 |
| Earnings coverage of net charge-offs (x) | 83.1053% | 450 |
| Efficiency ratio | 62.2158% | 5,277 |
| Assets per employee ($millions) | 9.7220% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 2,430 |
| Loan loss allowance to noncurrent loans | 1,349.7076% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 5,467 |
| Noncurrent loans to loans | 0.1376% | 6,055 |
| Net loans and leases to total assets | 85.5150% | 138 |
| Net loans and leases to deposits | 125.7160% | 45 |
| Net loans and leases to core deposits | 160.5863% | 72 |
| Total domestic deposits to total assets | 68.0224% | 6,806 |
| Equity capital to assets | 9.4500% | 4,924 |
| Core capital (leverage) ratio | 9.4053% | 4,230 |
| Tier 1 risk-based capital ratio | 10.6914% | 6,526 |
| Total risk-based capital ratio | 11.9414% | 6,488 |
| Memoranda: | ||
| Average total assets | $424,168,000 | 1,587 |
| Average earning assets | $397,303,000 | 1,542 |
| Average equity | $40,013,500 | 1,774 |
| Average total loans | $368,127,000 | 1,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 2,787 |
| Cost of funding earning assets | 1.2261% | 512 |
| Net interest margin | 3.4257% | 4,795 |
| Noninterest income to average assets | 0.8772% | 1,939 |
| Noninterest expense to average assets | 2.5072% | 5,068 |
| Loan and lease loss provision to assets | 0.3182% | 2,149 |
| Net operating income to assets | 0.8250% | 3,158 |
| Return on assets (ROA) | 0.8250% | 3,421 |
| Pretax return on assets | 1.2526% | 2,595 |
| Return on Equity (ROE) | 8.8224% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.0373% | 1,110 |
| Net charge-offs to loans | 0.4597% | 2,395 |
| Credit loss provision to net charge-offs | 80.8961% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.9938% | 3,520 |
| Efficiency ratio | 61.4812% | 5,315 |
| Assets per employee ($millions) | 9.5584% | 279 |
| Cash dividends to net income (ytd only)* | 8.8994% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 2,443 |
| Loan loss allowance to noncurrent loans | 3,125.5814% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 5,329 |
| Noncurrent loans to loans | 0.0591% | 6,342 |
| Net loans and leases to total assets | 84.8386% | 180 |
| Net loans and leases to deposits | 125.6604% | 53 |
| Net loans and leases to core deposits | 160.6458% | 76 |
| Total domestic deposits to total assets | 67.5142% | 6,871 |
| Equity capital to assets | 9.4166% | 4,977 |
| Core capital (leverage) ratio | 9.3692% | 4,303 |
| Tier 1 risk-based capital ratio | 10.7753% | 6,438 |
| Total risk-based capital ratio | 12.0237% | 6,410 |
| Memoranda: | ||
| Average total assets | $408,588,000 | 1,603 |
| Average earning assets | $381,766,200 | 1,570 |
| Average equity | $38,209,400 | 1,820 |
| Average total loans | $349,582,000 | 1,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 2,960 |
| Cost of funding earning assets | 1.2667% | 512 |
| Net interest margin | 3.3947% | 5,053 |
| Noninterest income to average assets | 0.8567% | 1,993 |
| Noninterest expense to average assets | 2.4605% | 5,216 |
| Loan and lease loss provision to assets | 0.3205% | 2,060 |
| Net operating income to assets | 0.8238% | 3,322 |
| Return on assets (ROA) | 0.8238% | 3,564 |
| Pretax return on assets | 1.2498% | 2,792 |
| Return on Equity (ROE) | 8.8250% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.2968% | 1,496 |
| Net charge-offs to loans | -0.0042% | 6,259 |
| Credit loss provision to net charge-offs | -8,863.6364% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0422% | 5,307 |
| Assets per employee ($millions) | 9.3235% | 292 |
| Cash dividends to net income (ytd only)* | 5.9858% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 1,596 |
| Loan loss allowance to noncurrent loans | 3,142.3529% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 5,635 |
| Noncurrent loans to loans | 0.0720% | 6,439 |
| Net loans and leases to total assets | 84.3912% | 205 |
| Net loans and leases to deposits | 122.2624% | 70 |
| Net loans and leases to core deposits | 157.1671% | 88 |
| Total domestic deposits to total assets | 69.0247% | 6,883 |
| Equity capital to assets | 9.5218% | 5,178 |
| Core capital (leverage) ratio | 9.3675% | 4,477 |
| Tier 1 risk-based capital ratio | 11.0343% | 6,463 |
| Total risk-based capital ratio | 12.2839% | 6,440 |
| Memoranda: | ||
| Average total assets | $405,593,000 | 1,624 |
| Average earning assets | $379,253,000 | 1,595 |
| Average equity | $37,861,000 | 1,854 |
| Average total loans | $346,096,500 | 1,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 2,858 |
| Cost of funding earning assets | 1.3005% | 530 |
| Net interest margin | 3.4152% | 5,019 |
| Noninterest income to average assets | 0.8346% | 2,025 |
| Noninterest expense to average assets | 2.4755% | 5,221 |
| Loan and lease loss provision to assets | 0.3217% | 2,049 |
| Net operating income to assets | 0.8138% | 3,339 |
| Return on assets (ROA) | 0.8138% | 3,594 |
| Pretax return on assets | 1.2325% | 2,794 |
| Return on Equity (ROE) | 8.7772% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.3768% | 1,488 |
| Net charge-offs to loans | -0.0332% | 6,557 |
| Credit loss provision to net charge-offs | -1,140.3509% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4298% | 5,344 |
| Assets per employee ($millions) | 9.2849% | 292 |
| Cash dividends to net income (ytd only)* | 4.5620% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,699 |
| Loan loss allowance to noncurrent loans | 1,972.9592% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 5,580 |
| Noncurrent loans to loans | 0.1132% | 6,376 |
| Net loans and leases to total assets | 82.8347% | 277 |
| Net loans and leases to deposits | 117.7854% | 83 |
| Net loans and leases to core deposits | 151.1465% | 104 |
| Total domestic deposits to total assets | 70.3268% | 6,891 |
| Equity capital to assets | 9.3446% | 5,262 |
| Core capital (leverage) ratio | 9.2667% | 4,500 |
| Tier 1 risk-based capital ratio | 11.0716% | 6,464 |
| Total risk-based capital ratio | 12.3212% | 6,434 |
| Memoranda: | ||
| Average total assets | $404,045,330 | 1,635 |
| Average earning assets | $378,012,330 | 1,598 |
| Average equity | $37,460,670 | 1,864 |
| Average total loans | $343,390,000 | 1,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 2,423 |
| Cost of funding earning assets | 1.3475% | 523 |
| Net interest margin | 3.5072% | 4,659 |
| Noninterest income to average assets | 0.7158% | 2,572 |
| Noninterest expense to average assets | 2.4410% | 5,339 |
| Loan and lease loss provision to assets | 0.3235% | 1,940 |
| Net operating income to assets | 0.8163% | 3,313 |
| Return on assets (ROA) | 0.8163% | 3,543 |
| Pretax return on assets | 1.2315% | 2,802 |
| Return on Equity (ROE) | 8.8403% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.8403% | 1,645 |
| Net charge-offs to loans | 0.0058% | 4,669 |
| Credit loss provision to net charge-offs | 6,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 312.4000% | 104 |
| Efficiency ratio | 61.0862% | 5,439 |
| Assets per employee ($millions) | 8.8127% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 2,019 |
| Loan loss allowance to noncurrent loans | 1,096.5672% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 5,437 |
| Noncurrent loans to loans | 0.1944% | 6,295 |
| Net loans and leases to total assets | 83.1932% | 208 |
| Net loans and leases to deposits | 119.1085% | 77 |
| Net loans and leases to core deposits | 154.4487% | 101 |
| Total domestic deposits to total assets | 69.8465% | 6,987 |
| Equity capital to assets | 9.2458% | 5,166 |
| Core capital (leverage) ratio | 9.0553% | 4,755 |
| Tier 1 risk-based capital ratio | 10.8422% | 6,601 |
| Total risk-based capital ratio | 12.0918% | 6,593 |
| Memoranda: | ||
| Average total assets | $401,801,000 | 1,650 |
| Average earning assets | $375,795,500 | 1,614 |
| Average equity | $37,103,000 | 1,878 |
| Average total loans | $342,014,000 | 1,233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 2,869 |
| Cost of funding earning assets | 1.6460% | 400 |
| Net interest margin | 3.3560% | 5,625 |
| Noninterest income to average assets | 0.7964% | 2,081 |
| Noninterest expense to average assets | 2.3537% | 5,898 |
| Loan and lease loss provision to assets | 0.4399% | 2,393 |
| Net operating income to assets | 0.7622% | 3,206 |
| Return on assets (ROA) | 0.7622% | 3,371 |
| Pretax return on assets | 1.1589% | 2,615 |
| Return on Equity (ROE) | 8.6339% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.6339% | 896 |
| Net charge-offs to loans | 0.1442% | 4,992 |
| Credit loss provision to net charge-offs | 360.8247% | 644 |
| Earnings coverage of net charge-offs (x) | 13.1134% | 1,569 |
| Efficiency ratio | 59.5497% | 5,824 |
| Assets per employee ($millions) | 8.8493% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 2,082 |
| Loan loss allowance to noncurrent loans | 1,115.3968% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 5,516 |
| Noncurrent loans to loans | 0.1856% | 6,374 |
| Net loans and leases to total assets | 83.4724% | 237 |
| Net loans and leases to deposits | 116.3306% | 103 |
| Net loans and leases to core deposits | 143.2568% | 158 |
| Total domestic deposits to total assets | 71.7545% | 6,885 |
| Equity capital to assets | 9.2223% | 5,255 |
| Core capital (leverage) ratio | 9.0845% | 4,644 |
| Tier 1 risk-based capital ratio | 10.7590% | 6,577 |
| Total risk-based capital ratio | 12.0084% | 6,558 |
| Memoranda: | ||
| Average total assets | $397,803,400 | 1,631 |
| Average earning assets | $374,108,400 | 1,589 |
| Average equity | $35,117,400 | 1,917 |
| Average total loans | $336,330,800 | 1,262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 3,224 |
| Cost of funding earning assets | 1.6909% | 408 |
| Net interest margin | 3.2830% | 5,911 |
| Noninterest income to average assets | 0.7801% | 2,137 |
| Noninterest expense to average assets | 2.2884% | 6,067 |
| Loan and lease loss provision to assets | 0.3973% | 2,471 |
| Net operating income to assets | 0.7848% | 3,234 |
| Return on assets (ROA) | 0.7848% | 3,402 |
| Pretax return on assets | 1.1901% | 2,667 |
| Return on Equity (ROE) | 8.9910% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.9910% | 1,151 |
| Net charge-offs to loans | 0.1299% | 4,749 |
| Credit loss provision to net charge-offs | 362.3853% | 782 |
| Earnings coverage of net charge-offs (x) | 14.4801% | 1,532 |
| Efficiency ratio | 59.0433% | 5,861 |
| Assets per employee ($millions) | 8.8057% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,426 |
| Loan loss allowance to noncurrent loans | 659.3625% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 5,007 |
| Noncurrent loans to loans | 0.2983% | 6,253 |
| Net loans and leases to total assets | 83.2568% | 271 |
| Net loans and leases to deposits | 116.7022% | 109 |
| Net loans and leases to core deposits | 142.4181% | 169 |
| Total domestic deposits to total assets | 71.3413% | 6,974 |
| Equity capital to assets | 9.1047% | 5,634 |
| Core capital (leverage) ratio | 8.8390% | 5,197 |
| Tier 1 risk-based capital ratio | 10.5786% | 6,745 |
| Total risk-based capital ratio | 11.8286% | 6,730 |
| Memoranda: | ||
| Average total assets | $397,699,500 | 1,642 |
| Average earning assets | $375,013,750 | 1,595 |
| Average equity | $34,715,500 | 1,938 |
| Average total loans | $335,556,000 | 1,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 2,994 |
| Cost of funding earning assets | 1.7019% | 461 |
| Net interest margin | 3.3332% | 5,762 |
| Noninterest income to average assets | 0.7213% | 2,432 |
| Noninterest expense to average assets | 2.2417% | 6,269 |
| Loan and lease loss provision to assets | 0.4295% | 2,278 |
| Net operating income to assets | 0.7931% | 3,108 |
| Return on assets (ROA) | 0.7931% | 3,232 |
| Pretax return on assets | 1.2070% | 2,452 |
| Return on Equity (ROE) | 9.2174% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.2174% | 1,046 |
| Net charge-offs to loans | 0.1748% | 4,121 |
| Credit loss provision to net charge-offs | 291.8089% | 1,047 |
| Earnings coverage of net charge-offs (x) | 11.1195% | 1,742 |
| Efficiency ratio | 57.8034% | 6,187 |
| Assets per employee ($millions) | 8.7614% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,703 |
| Loan loss allowance to noncurrent loans | 587.1866% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 5,137 |
| Noncurrent loans to loans | 0.3218% | 6,268 |
| Net loans and leases to total assets | 83.2769% | 287 |
| Net loans and leases to deposits | 117.1750% | 107 |
| Net loans and leases to core deposits | 143.3926% | 168 |
| Total domestic deposits to total assets | 71.0705% | 7,060 |
| Equity capital to assets | 8.9443% | 5,659 |
| Core capital (leverage) ratio | 8.6050% | 5,394 |
| Tier 1 risk-based capital ratio | 10.5096% | 6,786 |
| Total risk-based capital ratio | 11.7595% | 6,780 |
| Memoranda: | ||
| Average total assets | $398,180,670 | 1,649 |
| Average earning assets | $377,117,000 | 1,595 |
| Average equity | $34,261,330 | 1,947 |
| Average total loans | $335,231,330 | 1,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 2,819 |
| Cost of funding earning assets | 1.6940% | 566 |
| Net interest margin | 3.3649% | 5,561 |
| Noninterest income to average assets | 0.8457% | 1,864 |
| Noninterest expense to average assets | 2.3312% | 6,106 |
| Loan and lease loss provision to assets | 0.4748% | 1,850 |
| Net operating income to assets | 0.8067% | 2,994 |
| Return on assets (ROA) | 0.8067% | 3,059 |
| Pretax return on assets | 1.2346% | 2,252 |
| Return on Equity (ROE) | 9.5616% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.5616% | 1,225 |
| Net charge-offs to loans | 0.0978% | 3,967 |
| Credit loss provision to net charge-offs | 579.2683% | 645 |
| Earnings coverage of net charge-offs (x) | 20.8537% | 1,097 |
| Efficiency ratio | 57.6942% | 6,301 |
| Assets per employee ($millions) | 9.6500% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 3,025 |
| Loan loss allowance to noncurrent loans | 2,462.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 5,570 |
| Noncurrent loans to loans | 0.0729% | 6,857 |
| Net loans and leases to total assets | 83.0583% | 272 |
| Net loans and leases to deposits | 120.4822% | 90 |
| Net loans and leases to core deposits | 141.5696% | 186 |
| Total domestic deposits to total assets | 68.9382% | 7,231 |
| Equity capital to assets | 8.4305% | 6,013 |
| Core capital (leverage) ratio | 8.6201% | 5,235 |
| Tier 1 risk-based capital ratio | 10.0271% | 6,992 |
| Total risk-based capital ratio | 11.2771% | 6,988 |
| Memoranda: | ||
| Average total assets | $400,140,000 | 1,654 |
| Average earning assets | $379,925,500 | 1,595 |
| Average equity | $33,760,000 | 1,955 |
| Average total loans | $335,520,500 | 1,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 3,129 |
| Cost of funding earning assets | 1.9264% | 771 |
| Net interest margin | 3.3739% | 5,724 |
| Noninterest income to average assets | 0.8275% | 2,152 |
| Noninterest expense to average assets | 2.2637% | 6,447 |
| Loan and lease loss provision to assets | 0.7964% | 2,047 |
| Net operating income to assets | 0.6393% | 3,490 |
| Return on assets (ROA) | 0.6403% | 3,639 |
| Pretax return on assets | 0.9637% | 3,052 |
| Return on Equity (ROE) | 7.4639% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.4639% | 1,155 |
| Net charge-offs to loans | 0.5820% | 3,299 |
| Credit loss provision to net charge-offs | 164.1138% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.6236% | 3,271 |
| Efficiency ratio | 56.2801% | 6,564 |
| Assets per employee ($millions) | 9.6336% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 3,006 |
| Loan loss allowance to noncurrent loans | 1,524.3386% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,448 |
| Noncurrent loans to loans | 0.1152% | 6,856 |
| Net loans and leases to total assets | 81.6468% | 480 |
| Net loans and leases to deposits | 117.4119% | 134 |
| Net loans and leases to core deposits | 135.6184% | 266 |
| Total domestic deposits to total assets | 69.5388% | 7,260 |
| Equity capital to assets | 8.4438% | 5,932 |
| Core capital (leverage) ratio | 8.2943% | 5,695 |
| Tier 1 risk-based capital ratio | 10.2281% | 6,860 |
| Total risk-based capital ratio | 11.4776% | 6,836 |
| Memoranda: | ||
| Average total assets | $376,676,800 | 1,751 |
| Average earning assets | $356,680,200 | 1,681 |
| Average equity | $32,315,400 | 2,035 |
| Average total loans | $314,092,400 | 1,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 3,219 |
| Cost of funding earning assets | 1.9500% | 882 |
| Net interest margin | 3.3782% | 5,753 |
| Noninterest income to average assets | 0.7270% | 2,662 |
| Noninterest expense to average assets | 2.2703% | 6,405 |
| Loan and lease loss provision to assets | 0.7546% | 2,030 |
| Net operating income to assets | 0.6016% | 3,876 |
| Return on assets (ROA) | 0.6030% | 4,025 |
| Pretax return on assets | 0.9012% | 3,551 |
| Return on Equity (ROE) | 7.0000% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.0000% | 1,847 |
| Net charge-offs to loans | 0.5603% | 3,074 |
| Credit loss provision to net charge-offs | 161.3793% | 2,340 |
| Earnings coverage of net charge-offs (x) | 3.5364% | 3,406 |
| Efficiency ratio | 57.8577% | 6,292 |
| Assets per employee ($millions) | 9.5215% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 3,169 |
| Loan loss allowance to noncurrent loans | 185.7044% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 4,993 |
| Noncurrent loans to loans | 0.9123% | 5,419 |
| Net loans and leases to total assets | 80.1299% | 728 |
| Net loans and leases to deposits | 116.4797% | 151 |
| Net loans and leases to core deposits | 139.5350% | 261 |
| Total domestic deposits to total assets | 68.7930% | 7,338 |
| Equity capital to assets | 8.4566% | 6,329 |
| Core capital (leverage) ratio | 8.5398% | 5,434 |
| Tier 1 risk-based capital ratio | 10.3284% | 6,878 |
| Total risk-based capital ratio | 11.5783% | 6,877 |
| Memoranda: | ||
| Average total assets | $372,101,500 | 1,787 |
| Average earning assets | $352,131,500 | 1,727 |
| Average equity | $32,056,500 | 2,067 |
| Average total loans | $310,553,250 | 1,466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 3,018 |
| Cost of funding earning assets | 1.9794% | 957 |
| Net interest margin | 3.4098% | 5,604 |
| Noninterest income to average assets | 0.5535% | 3,685 |
| Noninterest expense to average assets | 2.2770% | 6,419 |
| Loan and lease loss provision to assets | 0.8218% | 1,761 |
| Net operating income to assets | 0.4715% | 4,456 |
| Return on assets (ROA) | 0.4738% | 4,602 |
| Pretax return on assets | 0.6923% | 4,267 |
| Return on Equity (ROE) | 5.4635% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,633 |
| Net charge-offs to loans | 0.6591% | 2,568 |
| Credit loss provision to net charge-offs | 148.1773% | 2,664 |
| Earnings coverage of net charge-offs (x) | 2.7241% | 3,634 |
| Efficiency ratio | 60.1125% | 6,028 |
| Assets per employee ($millions) | 8.7442% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,389 |
| Loan loss allowance to noncurrent loans | 160.3726% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,573 |
| Noncurrent loans to loans | 1.0061% | 5,300 |
| Net loans and leases to total assets | 84.3260% | 331 |
| Net loans and leases to deposits | 119.7237% | 121 |
| Net loans and leases to core deposits | 144.8754% | 238 |
| Total domestic deposits to total assets | 70.4338% | 7,301 |
| Equity capital to assets | 8.7663% | 5,793 |
| Core capital (leverage) ratio | 8.6332% | 5,186 |
| Tier 1 risk-based capital ratio | 10.1019% | 6,971 |
| Total risk-based capital ratio | 11.3504% | 6,944 |
| Memoranda: | ||
| Average total assets | $366,008,670 | 1,828 |
| Average earning assets | $347,171,330 | 1,760 |
| Average equity | $31,737,670 | 2,081 |
| Average total loans | $308,003,670 | 1,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 2,801 |
| Cost of funding earning assets | 1.9922% | 1,115 |
| Net interest margin | 3.4635% | 5,320 |
| Noninterest income to average assets | 0.3689% | 5,191 |
| Noninterest expense to average assets | 2.2552% | 6,525 |
| Loan and lease loss provision to assets | 0.6864% | 1,856 |
| Net operating income to assets | 0.4904% | 4,439 |
| Return on assets (ROA) | 0.4904% | 4,575 |
| Pretax return on assets | 0.7181% | 4,174 |
| Return on Equity (ROE) | 5.6873% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.6873% | 2,770 |
| Net charge-offs to loans | 0.0945% | 4,471 |
| Credit loss provision to net charge-offs | 870.8333% | 531 |
| Earnings coverage of net charge-offs (x) | 17.8194% | 1,260 |
| Efficiency ratio | 61.6213% | 5,896 |
| Assets per employee ($millions) | 8.5625% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 3,103 |
| Loan loss allowance to noncurrent loans | 145.3390% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 4,026 |
| Noncurrent loans to loans | 1.1629% | 5,038 |
| Net loans and leases to total assets | 83.2148% | 454 |
| Net loans and leases to deposits | 117.2684% | 172 |
| Net loans and leases to core deposits | 138.0708% | 352 |
| Total domestic deposits to total assets | 70.9610% | 7,345 |
| Equity capital to assets | 8.8169% | 5,517 |
| Core capital (leverage) ratio | 8.5949% | 5,212 |
| Tier 1 risk-based capital ratio | 10.2531% | 6,840 |
| Total risk-based capital ratio | 11.5043% | 6,840 |
| Memoranda: | ||
| Average total assets | $365,384,500 | 1,876 |
| Average earning assets | $347,158,500 | 1,803 |
| Average equity | $31,509,000 | 2,109 |
| Average total loans | $304,619,500 | 1,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 4,544 |
| Cost of funding earning assets | 2.4234% | 1,233 |
| Net interest margin | 3.0047% | 6,636 |
| Noninterest income to average assets | 0.8570% | 2,152 |
| Noninterest expense to average assets | 2.1246% | 7,135 |
| Loan and lease loss provision to assets | 0.9915% | 2,289 |
| Net operating income to assets | 0.4097% | 4,090 |
| Return on assets (ROA) | 0.4221% | 4,145 |
| Pretax return on assets | 0.6193% | 3,847 |
| Return on Equity (ROE) | 5.3484% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.3484% | 1,649 |
| Net charge-offs to loans | 0.7062% | 3,070 |
| Credit loss provision to net charge-offs | 174.2313% | 2,419 |
| Earnings coverage of net charge-offs (x) | 2.7984% | 3,692 |
| Efficiency ratio | 57.1578% | 6,876 |
| Assets per employee ($millions) | 9.2786% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,690 |
| Loan loss allowance to noncurrent loans | 150.9372% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3838% | 4,343 |
| Noncurrent loans to loans | 0.9976% | 5,320 |
| Net loans and leases to total assets | 80.8965% | 851 |
| Net loans and leases to deposits | 114.3253% | 258 |
| Net loans and leases to core deposits | 135.9818% | 951 |
| Total domestic deposits to total assets | 70.7600% | 7,357 |
| Equity capital to assets | 8.4361% | 6,001 |
| Core capital (leverage) ratio | 8.2462% | 5,733 |
| Tier 1 risk-based capital ratio | 10.0143% | 6,859 |
| Total risk-based capital ratio | 11.2687% | 6,825 |
| Memoranda: | ||
| Average total assets | $360,075,200 | 1,886 |
| Average earning assets | $342,734,600 | 1,824 |
| Average equity | $28,419,600 | 2,341 |
| Average total loans | $290,124,000 | 1,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 4,663 |
| Cost of funding earning assets | 2.5137% | 1,257 |
| Net interest margin | 2.9407% | 6,748 |
| Noninterest income to average assets | 0.9094% | 1,942 |
| Noninterest expense to average assets | 2.2650% | 6,801 |
| Loan and lease loss provision to assets | 0.9937% | 1,928 |
| Net operating income to assets | 0.3137% | 4,747 |
| Return on assets (ROA) | 0.3310% | 4,780 |
| Pretax return on assets | 0.4735% | 4,599 |
| Return on Equity (ROE) | 4.2699% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.2699% | 2,887 |
| Net charge-offs to loans | 0.4841% | 3,296 |
| Credit loss provision to net charge-offs | 256.0577% | 1,673 |
| Earnings coverage of net charge-offs (x) | 3.7173% | 3,408 |
| Efficiency ratio | 61.0910% | 6,258 |
| Assets per employee ($millions) | 9.5860% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,176 |
| Loan loss allowance to noncurrent loans | 89.5933% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 3,955 |
| Noncurrent loans to loans | 1.7345% | 4,032 |
| Net loans and leases to total assets | 79.5053% | 1,287 |
| Net loans and leases to deposits | 108.1480% | 553 |
| Net loans and leases to core deposits | 133.9738% | 1,208 |
| Total domestic deposits to total assets | 73.5153% | 7,028 |
| Equity capital to assets | 7.7509% | 7,095 |
| Core capital (leverage) ratio | 7.3780% | 7,100 |
| Tier 1 risk-based capital ratio | 9.3132% | 7,489 |
| Total risk-based capital ratio | 10.5671% | 7,474 |
| Memoranda: | ||
| Average total assets | $357,308,500 | 1,916 |
| Average earning assets | $339,996,250 | 1,852 |
| Average equity | $27,697,000 | 2,413 |
| Average total loans | $286,447,250 | 1,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4977% | 4,650 |
| Cost of funding earning assets | 2.5794% | 1,345 |
| Net interest margin | 2.9183% | 6,760 |
| Noninterest income to average assets | 0.9858% | 1,644 |
| Noninterest expense to average assets | 2.3474% | 6,631 |
| Loan and lease loss provision to assets | 0.9949% | 1,692 |
| Net operating income to assets | 0.2910% | 4,933 |
| Return on assets (ROA) | 0.3172% | 4,932 |
| Pretax return on assets | 0.4520% | 4,780 |
| Return on Equity (ROE) | 4.0924% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.0924% | 3,018 |
| Net charge-offs to loans | 0.0711% | 5,513 |
| Credit loss provision to net charge-offs | 1,750.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 24.7900% | 1,144 |
| Efficiency ratio | 62.4849% | 6,170 |
| Assets per employee ($millions) | 9.9833% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,737 |
| Loan loss allowance to noncurrent loans | 76.2605% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8966% | 3,345 |
| Noncurrent loans to loans | 2.0997% | 3,380 |
| Net loans and leases to total assets | 76.4404% | 2,071 |
| Net loans and leases to deposits | 106.2776% | 750 |
| Net loans and leases to core deposits | 133.8236% | 1,322 |
| Total domestic deposits to total assets | 71.9253% | 7,249 |
| Equity capital to assets | 7.4698% | 7,294 |
| Core capital (leverage) ratio | 7.8056% | 6,607 |
| Tier 1 risk-based capital ratio | 9.3601% | 7,503 |
| Total risk-based capital ratio | 10.6093% | 7,483 |
| Memoranda: | ||
| Average total assets | $351,793,670 | 1,965 |
| Average earning assets | $334,031,330 | 1,896 |
| Average equity | $27,270,330 | 2,451 |
| Average total loans | $281,288,000 | 1,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5574% | 4,601 |
| Cost of funding earning assets | 2.7306% | 1,175 |
| Net interest margin | 2.8267% | 6,936 |
| Noninterest income to average assets | 0.9716% | 1,565 |
| Noninterest expense to average assets | 2.3076% | 6,515 |
| Loan and lease loss provision to assets | 0.5775% | 2,179 |
| Net operating income to assets | 0.5195% | 4,341 |
| Return on assets (ROA) | 0.5195% | 4,526 |
| Pretax return on assets | 0.7668% | 4,199 |
| Return on Equity (ROE) | 6.5678% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.5678% | 2,390 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1886% | 5,834 |
| Assets per employee ($millions) | 9.1474% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,193 |
| Loan loss allowance to noncurrent loans | 70.8989% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7607% | 3,284 |
| Noncurrent loans to loans | 1.8063% | 3,555 |
| Net loans and leases to total assets | 81.0159% | 1,199 |
| Net loans and leases to deposits | 119.7835% | 295 |
| Net loans and leases to core deposits | 157.6252% | 533 |
| Total domestic deposits to total assets | 67.6353% | 7,617 |
| Equity capital to assets | 8.0490% | 6,743 |
| Core capital (leverage) ratio | 7.7426% | 6,831 |
| Tier 1 risk-based capital ratio | 9.4248% | 7,493 |
| Total risk-based capital ratio | 10.6774% | 7,441 |
| Memoranda: | ||
| Average total assets | $338,007,500 | 2,061 |
| Average earning assets | $320,512,000 | 1,979 |
| Average equity | $26,736,500 | 2,508 |
| Average total loans | $274,578,000 | 1,799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9720% | 5,687 |
| Cost of funding earning assets | 3.2142% | 1,148 |
| Net interest margin | 2.7577% | 7,399 |
| Noninterest income to average assets | 0.5988% | 3,849 |
| Noninterest expense to average assets | 2.0372% | 7,375 |
| Loan and lease loss provision to assets | 0.6101% | 2,383 |
| Net operating income to assets | 0.3865% | 5,208 |
| Return on assets (ROA) | 0.3865% | 5,018 |
| Pretax return on assets | 0.5617% | 4,809 |
| Return on Equity (ROE) | 5.0998% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.0998% | 1,965 |
| Net charge-offs to loans | 0.4580% | 2,538 |
| Credit loss provision to net charge-offs | 168.8425% | 3,047 |
| Earnings coverage of net charge-offs (x) | 3.2428% | 4,467 |
| Efficiency ratio | 63.4849% | 5,670 |
| Assets per employee ($millions) | 8.6555% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,049 |
| Loan loss allowance to noncurrent loans | 108.2540% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,047 |
| Noncurrent loans to loans | 1.0446% | 4,490 |
| Net loans and leases to total assets | 79.4903% | 1,777 |
| Net loans and leases to deposits | 119.1497% | 402 |
| Net loans and leases to core deposits | 173.0927% | 358 |
| Total domestic deposits to total assets | 66.7147% | 7,600 |
| Equity capital to assets | 7.7707% | 7,131 |
| Core capital (leverage) ratio | 7.8267% | 6,764 |
| Tier 1 risk-based capital ratio | 9.3849% | 7,425 |
| Total risk-based capital ratio | 10.5314% | 7,466 |
| Memoranda: | ||
| Average total assets | $317,984,800 | 2,108 |
| Average earning assets | $300,972,600 | 2,029 |
| Average equity | $24,099,000 | 2,720 |
| Average total loans | $250,875,400 | 1,901 |