Home > Benefit Bank > Performance and Condition Ratios
Benefit Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,696 |
| Cost of funding earning assets | 0.5225% | 2,086 |
| Net interest margin | 3.6113% | 2,960 |
| Noninterest income to average assets | 1.1595% | 846 |
| Noninterest expense to average assets | 3.3985% | 1,489 |
| Loan and lease loss provision to assets | -0.1991% | 6,263 |
| Net operating income to assets | 1.3504% | 1,133 |
| Return on assets (ROA) | 1.3504% | 1,202 |
| Pretax return on assets | 1.3504% | 2,071 |
| Return on Equity (ROE) | 12.5298% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.5298% | 500 |
| Net charge-offs to loans | -0.2210% | 6,077 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6955% | 2,705 |
| Assets per employee ($millions) | 3.2997% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 1,234 |
| Loan loss allowance to noncurrent loans | 40.3385% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 4.3091% | 323 |
| Noncurrent loans to loans | 4.7711% | 298 |
| Net loans and leases to total assets | 88.5787% | 87 |
| Net loans and leases to deposits | 109.2032% | 232 |
| Net loans and leases to core deposits | 117.0293% | 485 |
| Total domestic deposits to total assets | 81.1136% | 4,798 |
| Equity capital to assets | 11.1876% | 2,768 |
| Core capital (leverage) ratio | 11.1481% | 2,269 |
| Tier 1 risk-based capital ratio | 15.0037% | 3,435 |
| Total risk-based capital ratio | 16.2670% | 3,356 |
| Memoranda: | ||
| Average total assets | $194,911,000 | 3,060 |
| Average earning assets | $182,979,000 | 3,031 |
| Average equity | $21,006,000 | 3,134 |
| Average total loans | $175,564,500 | 2,312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,237 |
| Cost of funding earning assets | 0.6080% | 1,701 |
| Net interest margin | 3.7887% | 2,666 |
| Noninterest income to average assets | 1.0081% | 1,195 |
| Noninterest expense to average assets | 3.8360% | 938 |
| Loan and lease loss provision to assets | -0.0842% | 6,116 |
| Net operating income to assets | 0.7603% | 3,569 |
| Return on assets (ROA) | 0.7603% | 3,669 |
| Pretax return on assets | 0.7603% | 4,402 |
| Return on Equity (ROE) | 7.2087% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.0120% | 4,098 |
| Net charge-offs to loans | -0.0245% | 5,746 |
| Credit loss provision to net charge-offs | 397.5000% | 657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0153% | 1,281 |
| Assets per employee ($millions) | 3.3075% | 5,245 |
| Cash dividends to net income (ytd only)* | 58.2173% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 1,235 |
| Loan loss allowance to noncurrent loans | 55.1679% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 3.1767% | 608 |
| Noncurrent loans to loans | 3.4991% | 582 |
| Net loans and leases to total assets | 88.0979% | 113 |
| Net loans and leases to deposits | 111.7419% | 201 |
| Net loans and leases to core deposits | 119.9651% | 411 |
| Total domestic deposits to total assets | 78.8405% | 5,281 |
| Equity capital to assets | 10.3678% | 3,647 |
| Core capital (leverage) ratio | 10.5066% | 2,938 |
| Tier 1 risk-based capital ratio | 14.2339% | 3,936 |
| Total risk-based capital ratio | 15.4979% | 3,860 |
| Memoranda: | ||
| Average total assets | $188,867,400 | 3,112 |
| Average earning assets | $174,678,400 | 3,102 |
| Average equity | $19,920,400 | 3,168 |
| Average total loans | $162,967,800 | 2,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 2,202 |
| Cost of funding earning assets | 0.6258% | 1,634 |
| Net interest margin | 3.7782% | 2,697 |
| Noninterest income to average assets | 1.0571% | 1,099 |
| Noninterest expense to average assets | 3.7230% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8151% | 3,363 |
| Return on assets (ROA) | 0.8151% | 3,457 |
| Pretax return on assets | 0.8151% | 4,315 |
| Return on Equity (ROE) | 7.6937% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.3664% | 4,221 |
| Net charge-offs to loans | 0.0992% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.6220% | 2,645 |
| Efficiency ratio | 82.0392% | 1,621 |
| Assets per employee ($millions) | 3.0735% | 5,640 |
| Cash dividends to net income (ytd only)* | 56.2448% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 1,229 |
| Loan loss allowance to noncurrent loans | 60.0106% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.0701% | 759 |
| Noncurrent loans to loans | 3.3564% | 737 |
| Net loans and leases to total assets | 87.8054% | 124 |
| Net loans and leases to deposits | 110.5246% | 203 |
| Net loans and leases to core deposits | 114.8096% | 557 |
| Total domestic deposits to total assets | 79.4442% | 5,233 |
| Equity capital to assets | 10.7065% | 3,291 |
| Core capital (leverage) ratio | 10.7957% | 2,701 |
| Tier 1 risk-based capital ratio | 14.6518% | 3,786 |
| Total risk-based capital ratio | 15.9170% | 3,720 |
| Memoranda: | ||
| Average total assets | $187,298,750 | 3,162 |
| Average earning assets | $172,564,500 | 3,155 |
| Average equity | $19,842,500 | 3,184 |
| Average total loans | $159,884,750 | 2,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,384 |
| Cost of funding earning assets | 0.6336% | 1,629 |
| Net interest margin | 3.7158% | 2,899 |
| Noninterest income to average assets | 1.0991% | 983 |
| Noninterest expense to average assets | 3.7001% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8129% | 3,265 |
| Return on assets (ROA) | 0.8129% | 3,370 |
| Pretax return on assets | 0.8129% | 4,224 |
| Return on Equity (ROE) | 7.7002% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.7421% | 4,457 |
| Net charge-offs to loans | 0.0903% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.7183% | 2,222 |
| Efficiency ratio | 81.9882% | 1,751 |
| Assets per employee ($millions) | 3.0693% | 5,651 |
| Cash dividends to net income (ytd only)* | 64.3890% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 1,156 |
| Loan loss allowance to noncurrent loans | 75.0656% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4665% | 1,155 |
| Noncurrent loans to loans | 2.8137% | 1,070 |
| Net loans and leases to total assets | 84.9531% | 237 |
| Net loans and leases to deposits | 106.9903% | 270 |
| Net loans and leases to core deposits | 111.5337% | 628 |
| Total domestic deposits to total assets | 79.4027% | 5,363 |
| Equity capital to assets | 10.6207% | 3,283 |
| Core capital (leverage) ratio | 10.7188% | 2,702 |
| Tier 1 risk-based capital ratio | 15.1224% | 3,571 |
| Total risk-based capital ratio | 16.3893% | 3,509 |
| Memoranda: | ||
| Average total assets | $187,236,670 | 3,181 |
| Average earning assets | $172,022,000 | 3,170 |
| Average equity | $19,765,670 | 3,198 |
| Average total loans | $157,177,670 | 2,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,138 |
| Cost of funding earning assets | 0.6461% | 1,610 |
| Net interest margin | 3.7529% | 2,665 |
| Noninterest income to average assets | 1.2262% | 731 |
| Noninterest expense to average assets | 3.6958% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9677% | 2,328 |
| Return on assets (ROA) | 0.9677% | 2,399 |
| Pretax return on assets | 0.9677% | 3,453 |
| Return on Equity (ROE) | 9.1952% | 2,376 |
| Retained earnings to average equity (ytd only) | 3.7146% | 3,904 |
| Net charge-offs to loans | -0.0854% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2487% | 2,304 |
| Assets per employee ($millions) | 3.1244% | 5,644 |
| Cash dividends to net income (ytd only)* | 59.6026% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3416% | 977 |
| Loan loss allowance to noncurrent loans | 84.3310% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2809% | 1,438 |
| Noncurrent loans to loans | 2.7767% | 1,208 |
| Net loans and leases to total assets | 78.6644% | 692 |
| Net loans and leases to deposits | 95.8942% | 662 |
| Net loans and leases to core deposits | 100.4352% | 1,072 |
| Total domestic deposits to total assets | 82.0325% | 4,940 |
| Equity capital to assets | 10.5608% | 3,192 |
| Core capital (leverage) ratio | 10.5608% | 2,856 |
| Tier 1 risk-based capital ratio | 16.2206% | 3,049 |
| Total risk-based capital ratio | 17.4913% | 2,998 |
| Memoranda: | ||
| Average total assets | $187,241,000 | 3,204 |
| Average earning assets | $171,496,000 | 3,204 |
| Average equity | $19,706,000 | 3,202 |
| Average total loans | $154,522,500 | 2,529 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 2,618 |
| Cost of funding earning assets | 0.7380% | 1,575 |
| Net interest margin | 3.6523% | 3,237 |
| Noninterest income to average assets | 0.8097% | 2,032 |
| Noninterest expense to average assets | 3.5852% | 1,471 |
| Loan and lease loss provision to assets | 0.0313% | 4,488 |
| Net operating income to assets | 0.5606% | 4,454 |
| Return on assets (ROA) | 0.5606% | 4,570 |
| Pretax return on assets | 0.5606% | 5,005 |
| Return on Equity (ROE) | 5.5661% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.5331% | 3,709 |
| Net charge-offs to loans | 0.0139% | 5,175 |
| Credit loss provision to net charge-offs | 285.7143% | 788 |
| Earnings coverage of net charge-offs (x) | 54.0952% | 752 |
| Efficiency ratio | 85.8301% | 1,429 |
| Assets per employee ($millions) | 3.1698% | 5,551 |
| Cash dividends to net income (ytd only)* | 36.5242% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 1,156 |
| Loan loss allowance to noncurrent loans | 88.2813% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.2950% | 1,538 |
| Noncurrent loans to loans | 2.5108% | 1,504 |
| Net loans and leases to total assets | 82.6330% | 355 |
| Net loans and leases to deposits | 100.8017% | 444 |
| Net loans and leases to core deposits | 105.8060% | 802 |
| Total domestic deposits to total assets | 81.9759% | 4,885 |
| Equity capital to assets | 10.4879% | 3,175 |
| Core capital (leverage) ratio | 10.4879% | 2,933 |
| Tier 1 risk-based capital ratio | 15.1536% | 3,577 |
| Total risk-based capital ratio | 16.4214% | 3,511 |
| Memoranda: | ||
| Average total assets | $191,926,600 | 3,130 |
| Average earning assets | $176,956,200 | 3,115 |
| Average equity | $19,331,400 | 3,241 |
| Average total loans | $151,076,000 | 2,545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,847 |
| Cost of funding earning assets | 0.7530% | 1,582 |
| Net interest margin | 3.5833% | 3,524 |
| Noninterest income to average assets | 0.8642% | 1,880 |
| Noninterest expense to average assets | 3.5577% | 1,480 |
| Loan and lease loss provision to assets | 0.0414% | 4,178 |
| Net operating income to assets | 0.5729% | 4,457 |
| Return on assets (ROA) | 0.5729% | 4,601 |
| Pretax return on assets | 0.5729% | 5,121 |
| Return on Equity (ROE) | 5.7456% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.8803% | 3,166 |
| Net charge-offs to loans | -0.0527% | 6,334 |
| Credit loss provision to net charge-offs | -101.6949% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2747% | 1,434 |
| Assets per employee ($millions) | 3.1732% | 5,556 |
| Cash dividends to net income (ytd only)* | 15.0600% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3409% | 1,119 |
| Loan loss allowance to noncurrent loans | 79.0600% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.6031% | 1,459 |
| Noncurrent loans to loans | 2.9609% | 1,372 |
| Net loans and leases to total assets | 78.5122% | 700 |
| Net loans and leases to deposits | 95.7481% | 711 |
| Net loans and leases to core deposits | 100.4313% | 1,083 |
| Total domestic deposits to total assets | 81.9987% | 4,933 |
| Equity capital to assets | 10.3135% | 3,492 |
| Core capital (leverage) ratio | 10.3135% | 3,221 |
| Tier 1 risk-based capital ratio | 15.6258% | 3,384 |
| Total risk-based capital ratio | 16.8958% | 3,335 |
| Memoranda: | ||
| Average total assets | $193,154,250 | 3,135 |
| Average earning assets | $178,303,250 | 3,120 |
| Average equity | $19,260,750 | 3,280 |
| Average total loans | $149,335,000 | 2,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,067 |
| Cost of funding earning assets | 0.7672% | 1,606 |
| Net interest margin | 3.5050% | 3,760 |
| Noninterest income to average assets | 0.9213% | 1,740 |
| Noninterest expense to average assets | 3.5368% | 1,524 |
| Loan and lease loss provision to assets | 0.0618% | 3,774 |
| Net operating income to assets | 0.5524% | 4,540 |
| Return on assets (ROA) | 0.5524% | 4,710 |
| Pretax return on assets | 0.5524% | 5,191 |
| Return on Equity (ROE) | 5.6021% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.2956% | 3,554 |
| Net charge-offs to loans | 0.0743% | 3,651 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 10.8364% | 2,118 |
| Efficiency ratio | 85.2036% | 1,498 |
| Assets per employee ($millions) | 3.1893% | 5,504 |
| Cash dividends to net income (ytd only)* | 23.3209% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3685% | 1,139 |
| Loan loss allowance to noncurrent loans | 77.9901% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.5230% | 1,675 |
| Noncurrent loans to loans | 3.0369% | 1,461 |
| Net loans and leases to total assets | 74.7263% | 1,141 |
| Net loans and leases to deposits | 91.6440% | 996 |
| Net loans and leases to core deposits | 96.2864% | 1,328 |
| Total domestic deposits to total assets | 81.5397% | 5,204 |
| Equity capital to assets | 10.1078% | 3,778 |
| Core capital (leverage) ratio | 10.1078% | 3,359 |
| Tier 1 risk-based capital ratio | 16.4536% | 2,955 |
| Total risk-based capital ratio | 17.7245% | 2,905 |
| Memoranda: | ||
| Average total assets | $194,075,000 | 3,139 |
| Average earning assets | $178,832,330 | 3,132 |
| Average equity | $19,135,670 | 3,312 |
| Average total loans | $148,092,000 | 2,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,900 |
| Cost of funding earning assets | 0.7764% | 1,664 |
| Net interest margin | 3.5218% | 3,612 |
| Noninterest income to average assets | 0.9763% | 1,532 |
| Noninterest expense to average assets | 3.4815% | 1,656 |
| Loan and lease loss provision to assets | 0.0614% | 3,612 |
| Net operating income to assets | 0.6734% | 3,825 |
| Return on assets (ROA) | 0.6734% | 3,983 |
| Pretax return on assets | 0.6734% | 4,690 |
| Return on Equity (ROE) | 6.9145% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.2874% | 3,653 |
| Net charge-offs to loans | 0.1504% | 2,498 |
| Credit loss provision to net charge-offs | 53.5714% | 2,550 |
| Earnings coverage of net charge-offs (x) | 6.4107% | 2,222 |
| Efficiency ratio | 82.5728% | 1,952 |
| Assets per employee ($millions) | 3.2307% | 5,567 |
| Cash dividends to net income (ytd only)* | 37.9939% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4026% | 1,248 |
| Loan loss allowance to noncurrent loans | 72.6543% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.7352% | 1,659 |
| Noncurrent loans to loans | 3.3069% | 1,466 |
| Net loans and leases to total assets | 72.0470% | 1,340 |
| Net loans and leases to deposits | 87.9407% | 1,155 |
| Net loans and leases to core deposits | 92.5364% | 1,452 |
| Total domestic deposits to total assets | 81.9268% | 5,218 |
| Equity capital to assets | 9.8715% | 4,318 |
| Core capital (leverage) ratio | 9.8715% | 3,568 |
| Tier 1 risk-based capital ratio | 16.4825% | 3,013 |
| Total risk-based capital ratio | 17.7539% | 2,957 |
| Memoranda: | ||
| Average total assets | $195,434,000 | 3,152 |
| Average earning assets | $179,793,000 | 3,150 |
| Average equity | $19,032,500 | 3,374 |
| Average total loans | $148,906,500 | 2,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 3,352 |
| Cost of funding earning assets | 0.9402% | 1,707 |
| Net interest margin | 3.5705% | 4,224 |
| Noninterest income to average assets | 0.9948% | 1,550 |
| Noninterest expense to average assets | 3.5261% | 1,765 |
| Loan and lease loss provision to assets | 0.3625% | 1,830 |
| Net operating income to assets | 0.4266% | 4,982 |
| Return on assets (ROA) | 0.4266% | 5,234 |
| Pretax return on assets | 0.4266% | 5,493 |
| Return on Equity (ROE) | 4.7222% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.7222% | 2,901 |
| Net charge-offs to loans | 1.1118% | 944 |
| Credit loss provision to net charge-offs | 41.4334% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.9020% | 5,022 |
| Efficiency ratio | 81.7140% | 1,913 |
| Assets per employee ($millions) | 3.3970% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 1,483 |
| Loan loss allowance to noncurrent loans | 34.0075% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 5.7413% | 631 |
| Noncurrent loans to loans | 6.5835% | 500 |
| Net loans and leases to total assets | 76.7683% | 825 |
| Net loans and leases to deposits | 92.8760% | 840 |
| Net loans and leases to core deposits | 98.9157% | 1,084 |
| Total domestic deposits to total assets | 82.6568% | 4,868 |
| Equity capital to assets | 9.6078% | 4,735 |
| Core capital (leverage) ratio | 9.6078% | 3,949 |
| Tier 1 risk-based capital ratio | 15.4394% | 3,464 |
| Total risk-based capital ratio | 16.7085% | 3,415 |
| Memoranda: | ||
| Average total assets | $204,162,800 | 2,999 |
| Average earning assets | $189,859,200 | 2,959 |
| Average equity | $18,444,800 | 3,415 |
| Average total loans | $160,637,400 | 2,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 3,406 |
| Cost of funding earning assets | 0.9711% | 1,734 |
| Net interest margin | 3.5836% | 4,300 |
| Noninterest income to average assets | 1.0520% | 1,371 |
| Noninterest expense to average assets | 3.5465% | 1,660 |
| Loan and lease loss provision to assets | 0.4597% | 1,352 |
| Net operating income to assets | 0.3787% | 5,331 |
| Return on assets (ROA) | 0.3787% | 5,542 |
| Pretax return on assets | 0.3787% | 5,767 |
| Return on Equity (ROE) | 4.2567% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.2567% | 3,898 |
| Net charge-offs to loans | 1.4047% | 640 |
| Credit loss provision to net charge-offs | 41.5691% | 4,583 |
| Earnings coverage of net charge-offs (x) | 0.7582% | 4,948 |
| Efficiency ratio | 80.8800% | 1,957 |
| Assets per employee ($millions) | 3.4836% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2667% | 1,587 |
| Loan loss allowance to noncurrent loans | 33.0572% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 5.9372% | 677 |
| Noncurrent loans to loans | 6.8569% | 538 |
| Net loans and leases to total assets | 76.2614% | 933 |
| Net loans and leases to deposits | 91.9707% | 977 |
| Net loans and leases to core deposits | 96.6862% | 1,352 |
| Total domestic deposits to total assets | 82.9193% | 4,671 |
| Equity capital to assets | 9.3900% | 5,352 |
| Core capital (leverage) ratio | 9.3900% | 4,449 |
| Tier 1 risk-based capital ratio | 14.9678% | 3,870 |
| Total risk-based capital ratio | 16.2370% | 3,807 |
| Memoranda: | ||
| Average total assets | $205,946,500 | 3,009 |
| Average earning assets | $191,535,000 | 2,969 |
| Average equity | $18,323,500 | 3,464 |
| Average total loans | $162,117,000 | 2,425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 3,553 |
| Cost of funding earning assets | 0.9917% | 1,818 |
| Net interest margin | 3.5609% | 4,412 |
| Noninterest income to average assets | 1.0614% | 1,274 |
| Noninterest expense to average assets | 3.5603% | 1,659 |
| Loan and lease loss provision to assets | 0.5758% | 1,053 |
| Net operating income to assets | 0.2265% | 5,839 |
| Return on assets (ROA) | 0.2265% | 6,027 |
| Pretax return on assets | 0.2265% | 6,107 |
| Return on Equity (ROE) | 2.5911% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.5911% | 4,897 |
| Net charge-offs to loans | 1.7883% | 496 |
| Credit loss provision to net charge-offs | 40.7886% | 4,243 |
| Earnings coverage of net charge-offs (x) | 0.5683% | 4,786 |
| Efficiency ratio | 81.6102% | 1,946 |
| Assets per employee ($millions) | 3.5314% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2690% | 1,643 |
| Loan loss allowance to noncurrent loans | 31.7817% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 7.0070% | 560 |
| Noncurrent loans to loans | 7.1393% | 539 |
| Net loans and leases to total assets | 76.5242% | 905 |
| Net loans and leases to deposits | 93.8911% | 781 |
| Net loans and leases to core deposits | 98.7849% | 1,194 |
| Total domestic deposits to total assets | 81.5031% | 5,296 |
| Equity capital to assets | 8.9325% | 5,772 |
| Core capital (leverage) ratio | 8.9325% | 5,005 |
| Tier 1 risk-based capital ratio | 13.9045% | 4,519 |
| Total risk-based capital ratio | 15.1729% | 4,479 |
| Memoranda: | ||
| Average total assets | $208,407,670 | 2,989 |
| Average earning assets | $193,211,000 | 2,956 |
| Average equity | $18,216,330 | 3,468 |
| Average total loans | $164,509,670 | 2,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 3,418 |
| Cost of funding earning assets | 1.0193% | 1,872 |
| Net interest margin | 3.5996% | 4,275 |
| Noninterest income to average assets | 1.0695% | 1,263 |
| Noninterest expense to average assets | 3.2388% | 2,474 |
| Loan and lease loss provision to assets | 0.7136% | 724 |
| Net operating income to assets | 0.4434% | 5,065 |
| Return on assets (ROA) | 0.4434% | 5,255 |
| Pretax return on assets | 0.4434% | 5,607 |
| Return on Equity (ROE) | 5.1275% | 4,726 |
| Retained earnings to average equity (ytd only) | 5.1275% | 3,483 |
| Net charge-offs to loans | 0.5115% | 1,811 |
| Credit loss provision to net charge-offs | 176.0563% | 1,456 |
| Earnings coverage of net charge-offs (x) | 2.8545% | 3,039 |
| Efficiency ratio | 73.6797% | 3,144 |
| Assets per employee ($millions) | 3.6747% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8734% | 935 |
| Loan loss allowance to noncurrent loans | 38.4970% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 7.0095% | 614 |
| Noncurrent loans to loans | 7.4640% | 567 |
| Net loans and leases to total assets | 75.3947% | 871 |
| Net loans and leases to deposits | 92.1230% | 787 |
| Net loans and leases to core deposits | 96.5299% | 1,253 |
| Total domestic deposits to total assets | 81.8413% | 5,351 |
| Equity capital to assets | 8.7335% | 5,835 |
| Core capital (leverage) ratio | 8.7335% | 5,241 |
| Tier 1 risk-based capital ratio | 13.7268% | 4,663 |
| Total risk-based capital ratio | 15.0047% | 4,627 |
| Memoranda: | ||
| Average total assets | $210,199,500 | 2,987 |
| Average earning assets | $194,241,500 | 2,972 |
| Average equity | $18,176,500 | 3,468 |
| Average total loans | $166,575,000 | 2,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 1,884 |
| Cost of funding earning assets | 1.2791% | 1,581 |
| Net interest margin | 3.9681% | 3,025 |
| Noninterest income to average assets | 0.8402% | 1,882 |
| Noninterest expense to average assets | 3.3891% | 2,270 |
| Loan and lease loss provision to assets | 1.7146% | 395 |
| Net operating income to assets | -0.5974% | 6,550 |
| Return on assets (ROA) | -0.5974% | 6,594 |
| Pretax return on assets | -0.5974% | 6,550 |
| Return on Equity (ROE) | -6.9725% | 6,633 |
| Retained earnings to average equity (ytd only) | -6.9725% | 6,571 |
| Net charge-offs to loans | 0.7665% | 2,243 |
| Credit loss provision to net charge-offs | 271.4286% | 881 |
| Earnings coverage of net charge-offs (x) | 1.7686% | 4,454 |
| Efficiency ratio | 75.2078% | 3,030 |
| Assets per employee ($millions) | 3.6369% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6443% | 1,138 |
| Loan loss allowance to noncurrent loans | 34.7484% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 7.4903% | 586 |
| Noncurrent loans to loans | 7.6098% | 544 |
| Net loans and leases to total assets | 78.7176% | 635 |
| Net loans and leases to deposits | 95.6354% | 694 |
| Net loans and leases to core deposits | 100.1774% | 1,160 |
| Total domestic deposits to total assets | 82.3101% | 5,026 |
| Equity capital to assets | 8.5617% | 6,061 |
| Core capital (leverage) ratio | 8.5617% | 5,460 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,493 |
| Total risk-based capital ratio | 13.7223% | 5,456 |
| Memoranda: | ||
| Average total assets | $221,624,600 | 2,822 |
| Average earning assets | $204,755,600 | 2,793 |
| Average equity | $18,989,000 | 3,282 |
| Average total loans | $182,650,600 | 2,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 1,946 |
| Cost of funding earning assets | 1.3200% | 1,594 |
| Net interest margin | 3.9587% | 3,112 |
| Noninterest income to average assets | 0.8655% | 1,772 |
| Noninterest expense to average assets | 3.3604% | 2,311 |
| Loan and lease loss provision to assets | 1.5010% | 460 |
| Net operating income to assets | -0.3305% | 6,529 |
| Return on assets (ROA) | -0.3305% | 6,582 |
| Pretax return on assets | -0.3305% | 6,519 |
| Return on Equity (ROE) | -3.8567% | 6,620 |
| Retained earnings to average equity (ytd only) | -3.8567% | 6,501 |
| Net charge-offs to loans | 0.6657% | 2,250 |
| Credit loss provision to net charge-offs | 272.3840% | 1,052 |
| Earnings coverage of net charge-offs (x) | 2.1241% | 4,076 |
| Efficiency ratio | 74.1669% | 3,142 |
| Assets per employee ($millions) | 4.0031% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4399% | 1,480 |
| Loan loss allowance to noncurrent loans | 70.8785% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 4.2386% | 1,440 |
| Noncurrent loans to loans | 3.4424% | 1,994 |
| Net loans and leases to total assets | 77.2216% | 808 |
| Net loans and leases to deposits | 93.0290% | 917 |
| Net loans and leases to core deposits | 98.0377% | 1,423 |
| Total domestic deposits to total assets | 83.0081% | 4,681 |
| Equity capital to assets | 8.5516% | 6,247 |
| Core capital (leverage) ratio | 8.5516% | 5,634 |
| Tier 1 risk-based capital ratio | 12.5114% | 5,475 |
| Total risk-based capital ratio | 13.7806% | 5,452 |
| Memoranda: | ||
| Average total assets | $224,295,750 | 2,800 |
| Average earning assets | $207,673,250 | 2,760 |
| Average equity | $19,221,250 | 3,255 |
| Average total loans | $185,674,000 | 2,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 1,598 |
| Cost of funding earning assets | 1.3670% | 1,566 |
| Net interest margin | 4.0215% | 2,734 |
| Noninterest income to average assets | 0.9022% | 1,638 |
| Noninterest expense to average assets | 3.3633% | 2,361 |
| Loan and lease loss provision to assets | 1.9054% | 341 |
| Net operating income to assets | -0.6381% | 6,783 |
| Return on assets (ROA) | -0.6381% | 6,789 |
| Pretax return on assets | -0.6381% | 6,728 |
| Return on Equity (ROE) | -7.4410% | 6,840 |
| Retained earnings to average equity (ytd only) | -7.4410% | 6,739 |
| Net charge-offs to loans | 0.7399% | 2,025 |
| Credit loss provision to net charge-offs | 306.7047% | 991 |
| Earnings coverage of net charge-offs (x) | 2.0399% | 3,839 |
| Efficiency ratio | 72.6316% | 3,612 |
| Assets per employee ($millions) | 4.0269% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5321% | 1,396 |
| Loan loss allowance to noncurrent loans | 65.3638% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 4.4487% | 1,420 |
| Noncurrent loans to loans | 3.8739% | 1,794 |
| Net loans and leases to total assets | 78.5020% | 705 |
| Net loans and leases to deposits | 95.0781% | 798 |
| Net loans and leases to core deposits | 100.6173% | 1,293 |
| Total domestic deposits to total assets | 82.5658% | 4,958 |
| Equity capital to assets | 8.2761% | 6,450 |
| Core capital (leverage) ratio | 8.2761% | 5,909 |
| Tier 1 risk-based capital ratio | 11.9489% | 5,822 |
| Total risk-based capital ratio | 13.2198% | 5,785 |
| Memoranda: | ||
| Average total assets | $225,671,330 | 2,800 |
| Average earning assets | $209,224,000 | 2,768 |
| Average equity | $19,352,330 | 3,221 |
| Average total loans | $189,475,330 | 2,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 884 |
| Cost of funding earning assets | 1.3998% | 1,607 |
| Net interest margin | 4.2983% | 1,568 |
| Noninterest income to average assets | 0.9338% | 1,530 |
| Noninterest expense to average assets | 3.1610% | 3,022 |
| Loan and lease loss provision to assets | 0.6644% | 1,287 |
| Net operating income to assets | 1.1127% | 1,797 |
| Return on assets (ROA) | 1.1127% | 1,850 |
| Pretax return on assets | 1.1127% | 2,713 |
| Return on Equity (ROE) | 12.7532% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.7532% | 625 |
| Net charge-offs to loans | 0.2813% | 2,940 |
| Credit loss provision to net charge-offs | 275.7353% | 1,148 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 1,958 |
| Efficiency ratio | 64.0115% | 5,363 |
| Assets per employee ($millions) | 3.8788% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 2,543 |
| Loan loss allowance to noncurrent loans | 67.7906% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 3.5845% | 1,900 |
| Noncurrent loans to loans | 2.8754% | 2,617 |
| Net loans and leases to total assets | 81.3651% | 406 |
| Net loans and leases to deposits | 99.1824% | 517 |
| Net loans and leases to core deposits | 104.5965% | 1,021 |
| Total domestic deposits to total assets | 82.0358% | 5,301 |
| Equity capital to assets | 8.8950% | 5,353 |
| Core capital (leverage) ratio | 8.8950% | 4,782 |
| Tier 1 risk-based capital ratio | 12.3410% | 5,407 |
| Total risk-based capital ratio | 13.6021% | 5,384 |
| Memoranda: | ||
| Average total assets | $225,754,500 | 2,810 |
| Average earning assets | $210,317,500 | 2,781 |
| Average equity | $19,697,000 | 3,161 |
| Average total loans | $193,400,500 | 2,167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0769% | 731 |
| Cost of funding earning assets | 1.7119% | 1,546 |
| Net interest margin | 4.3650% | 1,601 |
| Noninterest income to average assets | 0.6912% | 2,891 |
| Noninterest expense to average assets | 3.4232% | 2,371 |
| Loan and lease loss provision to assets | 2.6418% | 404 |
| Net operating income to assets | -1.3198% | 6,839 |
| Return on assets (ROA) | -1.2831% | 6,849 |
| Pretax return on assets | -1.2831% | 6,773 |
| Return on Equity (ROE) | -15.4141% | 6,930 |
| Retained earnings to average equity (ytd only) | -18.3750% | 6,981 |
| Net charge-offs to loans | 2.1708% | 904 |
| Credit loss provision to net charge-offs | 131.3098% | 3,013 |
| Earnings coverage of net charge-offs (x) | 0.6571% | 5,453 |
| Efficiency ratio | 72.1402% | 3,770 |
| Assets per employee ($millions) | 3.7757% | 4,314 |
| Cash dividends to net income (ytd only)* | -19.2085% | 7,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 2,731 |
| Loan loss allowance to noncurrent loans | 70.2486% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 3.5967% | 1,914 |
| Noncurrent loans to loans | 2.6135% | 2,912 |
| Net loans and leases to total assets | 86.7140% | 147 |
| Net loans and leases to deposits | 105.2863% | 349 |
| Net loans and leases to core deposits | 112.0209% | 813 |
| Total domestic deposits to total assets | 82.3602% | 5,075 |
| Equity capital to assets | 8.5561% | 5,788 |
| Core capital (leverage) ratio | 8.5561% | 5,264 |
| Tier 1 risk-based capital ratio | 11.0485% | 6,292 |
| Total risk-based capital ratio | 12.3088% | 6,257 |
| Memoranda: | ||
| Average total assets | $228,439,600 | 2,774 |
| Average earning assets | $212,164,200 | 2,726 |
| Average equity | $19,015,000 | 3,279 |
| Average total loans | $211,722,000 | 2,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 628 |
| Cost of funding earning assets | 1.7397% | 1,676 |
| Net interest margin | 4.4496% | 1,373 |
| Noninterest income to average assets | 0.6966% | 2,837 |
| Noninterest expense to average assets | 3.3636% | 2,388 |
| Loan and lease loss provision to assets | 3.0637% | 280 |
| Net operating income to assets | -1.6011% | 7,132 |
| Return on assets (ROA) | -1.5522% | 7,131 |
| Pretax return on assets | -1.5522% | 7,057 |
| Return on Equity (ROE) | -18.7774% | 7,198 |
| Retained earnings to average equity (ytd only) | -22.7442% | 7,260 |
| Net charge-offs to loans | 2.2215% | 807 |
| Credit loss provision to net charge-offs | 147.0917% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.7022% | 5,350 |
| Efficiency ratio | 69.6959% | 4,135 |
| Assets per employee ($millions) | 3.3158% | 5,412 |
| Cash dividends to net income (ytd only)* | -21.1258% | 7,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 2,539 |
| Loan loss allowance to noncurrent loans | 73.2523% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 3.8121% | 1,864 |
| Noncurrent loans to loans | 2.5696% | 3,057 |
| Net loans and leases to total assets | 91.9540% | 28 |
| Net loans and leases to deposits | 111.6813% | 224 |
| Net loans and leases to core deposits | 119.9385% | 613 |
| Total domestic deposits to total assets | 82.3361% | 4,861 |
| Equity capital to assets | 7.4676% | 7,145 |
| Core capital (leverage) ratio | 7.4676% | 6,866 |
| Tier 1 risk-based capital ratio | 9.0348% | 7,358 |
| Total risk-based capital ratio | 10.2955% | 7,371 |
| Memoranda: | ||
| Average total assets | $228,914,750 | 2,804 |
| Average earning assets | $212,449,500 | 2,761 |
| Average equity | $18,923,000 | 3,335 |
| Average total loans | $214,623,750 | 2,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1948% | 632 |
| Cost of funding earning assets | 1.7307% | 1,964 |
| Net interest margin | 4.4641% | 1,279 |
| Noninterest income to average assets | 0.7302% | 2,515 |
| Noninterest expense to average assets | 3.3024% | 2,554 |
| Loan and lease loss provision to assets | 0.5494% | 2,579 |
| Net operating income to assets | 1.0270% | 2,095 |
| Return on assets (ROA) | 1.0408% | 2,121 |
| Pretax return on assets | 1.0408% | 2,972 |
| Return on Equity (ROE) | 12.2128% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.4972% | 2,073 |
| Net charge-offs to loans | 0.2187% | 4,291 |
| Credit loss provision to net charge-offs | 267.9325% | 1,407 |
| Earnings coverage of net charge-offs (x) | 7.6878% | 2,257 |
| Efficiency ratio | 67.6893% | 4,632 |
| Assets per employee ($millions) | 3.4689% | 4,999 |
| Cash dividends to net income (ytd only)* | 46.7997% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,430 |
| Loan loss allowance to noncurrent loans | 74.1899% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.5850% | 2,811 |
| Noncurrent loans to loans | 1.6247% | 4,274 |
| Net loans and leases to total assets | 92.8555% | 21 |
| Net loans and leases to deposits | 118.2760% | 151 |
| Net loans and leases to core deposits | 128.0506% | 465 |
| Total domestic deposits to total assets | 78.5074% | 6,146 |
| Equity capital to assets | 8.8024% | 5,750 |
| Core capital (leverage) ratio | 8.8024% | 4,911 |
| Tier 1 risk-based capital ratio | 10.4882% | 6,698 |
| Total risk-based capital ratio | 11.7396% | 6,678 |
| Memoranda: | ||
| Average total assets | $231,166,670 | 2,792 |
| Average earning assets | $214,826,330 | 2,750 |
| Average equity | $19,700,670 | 3,214 |
| Average total loans | $216,764,000 | 2,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 737 |
| Cost of funding earning assets | 1.7251% | 2,269 |
| Net interest margin | 4.4043% | 1,377 |
| Noninterest income to average assets | 0.8259% | 1,904 |
| Noninterest expense to average assets | 3.4076% | 2,213 |
| Loan and lease loss provision to assets | 0.5205% | 2,419 |
| Net operating income to assets | 0.9907% | 2,222 |
| Return on assets (ROA) | 0.9907% | 2,286 |
| Pretax return on assets | 0.9907% | 3,126 |
| Return on Equity (ROE) | 11.8207% | 1,542 |
| Retained earnings to average equity (ytd only) | 0.1656% | 5,758 |
| Net charge-offs to loans | 0.3446% | 3,030 |
| Credit loss provision to net charge-offs | 161.2903% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.6828% | 2,572 |
| Efficiency ratio | 69.2769% | 4,454 |
| Assets per employee ($millions) | 3.4412% | 5,171 |
| Cash dividends to net income (ytd only)* | 98.5989% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 6,037 |
| Loan loss allowance to noncurrent loans | 106.7242% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.2003% | 3,276 |
| Noncurrent loans to loans | 1.0244% | 5,285 |
| Net loans and leases to total assets | 92.1687% | 35 |
| Net loans and leases to deposits | 118.0549% | 164 |
| Net loans and leases to core deposits | 127.1211% | 560 |
| Total domestic deposits to total assets | 78.0728% | 6,299 |
| Equity capital to assets | 8.5990% | 5,872 |
| Core capital (leverage) ratio | 8.5990% | 5,200 |
| Tier 1 risk-based capital ratio | 9.9338% | 7,079 |
| Total risk-based capital ratio | 11.1107% | 7,115 |
| Memoranda: | ||
| Average total assets | $230,542,500 | 2,872 |
| Average earning assets | $214,246,500 | 2,814 |
| Average equity | $19,322,000 | 3,287 |
| Average total loans | $215,924,500 | 2,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3423% | 950 |
| Cost of funding earning assets | 2.2745% | 1,754 |
| Net interest margin | 4.0678% | 2,579 |
| Noninterest income to average assets | 0.8245% | 2,287 |
| Noninterest expense to average assets | 3.3728% | 2,769 |
| Loan and lease loss provision to assets | 1.0110% | 2,260 |
| Net operating income to assets | 0.2432% | 4,746 |
| Return on assets (ROA) | 0.3371% | 4,474 |
| Pretax return on assets | 0.3371% | 4,670 |
| Return on Equity (ROE) | 4.2892% | 3,970 |
| Retained earnings to average equity (ytd only) | -5.7967% | 6,118 |
| Net charge-offs to loans | 0.8147% | 2,791 |
| Credit loss provision to net charge-offs | 131.6832% | 3,834 |
| Earnings coverage of net charge-offs (x) | 1.6337% | 4,517 |
| Efficiency ratio | 72.8933% | 4,117 |
| Assets per employee ($millions) | 3.4406% | 5,154 |
| Cash dividends to net income (ytd only)* | 235.1459% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 6,219 |
| Loan loss allowance to noncurrent loans | 50.1121% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2128% | 3,113 |
| Noncurrent loans to loans | 2.0554% | 3,583 |
| Net loans and leases to total assets | 93.1616% | 20 |
| Net loans and leases to deposits | 130.3578% | 88 |
| Net loans and leases to core deposits | 208.5171% | 85 |
| Total domestic deposits to total assets | 71.4661% | 7,290 |
| Equity capital to assets | 8.1632% | 6,388 |
| Core capital (leverage) ratio | 8.1632% | 5,877 |
| Tier 1 risk-based capital ratio | 9.5241% | 7,206 |
| Total risk-based capital ratio | 10.6553% | 7,259 |
| Memoranda: | ||
| Average total assets | $223,641,800 | 2,895 |
| Average earning assets | $209,056,400 | 2,846 |
| Average equity | $17,579,000 | 3,573 |
| Average total loans | $210,741,600 | 2,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3568% | 1,014 |
| Cost of funding earning assets | 2.3878% | 1,673 |
| Net interest margin | 3.9690% | 2,945 |
| Noninterest income to average assets | 0.8910% | 2,020 |
| Noninterest expense to average assets | 3.3849% | 2,623 |
| Loan and lease loss provision to assets | 0.3815% | 4,037 |
| Net operating income to assets | 0.8375% | 2,669 |
| Return on assets (ROA) | 0.9222% | 2,411 |
| Pretax return on assets | 0.9222% | 3,157 |
| Return on Equity (ROE) | 11.8512% | 1,393 |
| Retained earnings to average equity (ytd only) | 2.6173% | 3,858 |
| Net charge-offs to loans | 0.1836% | 4,920 |
| Credit loss provision to net charge-offs | 220.4861% | 1,990 |
| Earnings coverage of net charge-offs (x) | 7.0452% | 2,486 |
| Efficiency ratio | 73.5221% | 3,950 |
| Assets per employee ($millions) | 3.4034% | 5,156 |
| Cash dividends to net income (ytd only)* | 77.9153% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 6,572 |
| Loan loss allowance to noncurrent loans | 67.0836% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 3,826 |
| Noncurrent loans to loans | 1.4090% | 4,557 |
| Net loans and leases to total assets | 93.6665% | 25 |
| Net loans and leases to deposits | 133.0130% | 93 |
| Net loans and leases to core deposits | 211.0483% | 84 |
| Total domestic deposits to total assets | 70.4190% | 7,387 |
| Equity capital to assets | 7.9719% | 6,872 |
| Core capital (leverage) ratio | 7.9719% | 6,407 |
| Tier 1 risk-based capital ratio | 9.3858% | 7,440 |
| Total risk-based capital ratio | 10.4381% | 7,544 |
| Memoranda: | ||
| Average total assets | $221,921,750 | 2,934 |
| Average earning assets | $207,603,500 | 2,887 |
| Average equity | $17,269,250 | 3,650 |
| Average total loans | $209,178,750 | 2,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3358% | 1,124 |
| Cost of funding earning assets | 2.4820% | 1,673 |
| Net interest margin | 3.8538% | 3,327 |
| Noninterest income to average assets | 0.9387% | 1,804 |
| Noninterest expense to average assets | 3.3881% | 2,666 |
| Loan and lease loss provision to assets | 0.3866% | 3,597 |
| Net operating income to assets | 0.7668% | 2,984 |
| Return on assets (ROA) | 0.8714% | 2,677 |
| Pretax return on assets | 0.8714% | 3,438 |
| Return on Equity (ROE) | 11.2930% | 1,614 |
| Retained earnings to average equity (ytd only) | 2.9470% | 3,684 |
| Net charge-offs to loans | 0.1893% | 4,369 |
| Credit loss provision to net charge-offs | 216.8367% | 2,120 |
| Earnings coverage of net charge-offs (x) | 6.4694% | 2,610 |
| Efficiency ratio | 74.6044% | 3,938 |
| Assets per employee ($millions) | 3.3390% | 5,216 |
| Cash dividends to net income (ytd only)* | 73.9040% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 6,957 |
| Loan loss allowance to noncurrent loans | 200.5543% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,953 |
| Noncurrent loans to loans | 0.4266% | 6,452 |
| Net loans and leases to total assets | 93.7151% | 28 |
| Net loans and leases to deposits | 130.8489% | 117 |
| Net loans and leases to core deposits | 192.7267% | 150 |
| Total domestic deposits to total assets | 71.6208% | 7,291 |
| Equity capital to assets | 7.7730% | 7,008 |
| Core capital (leverage) ratio | 7.7730% | 6,643 |
| Tier 1 risk-based capital ratio | 9.1678% | 7,608 |
| Total risk-based capital ratio | 10.1215% | 7,796 |
| Memoranda: | ||
| Average total assets | $219,887,330 | 2,978 |
| Average earning assets | $205,562,330 | 2,927 |
| Average equity | $16,966,330 | 3,718 |
| Average total loans | $207,031,330 | 2,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3311% | 1,215 |
| Cost of funding earning assets | 2.5895% | 1,595 |
| Net interest margin | 3.7416% | 3,698 |
| Noninterest income to average assets | 1.0607% | 1,320 |
| Noninterest expense to average assets | 3.2994% | 2,657 |
| Loan and lease loss provision to assets | 0.4496% | 2,669 |
| Net operating income to assets | 0.8038% | 3,112 |
| Return on assets (ROA) | 0.8625% | 3,022 |
| Pretax return on assets | 0.8625% | 3,851 |
| Return on Equity (ROE) | 11.2205% | 1,908 |
| Retained earnings to average equity (ytd only) | 5.5386% | 2,849 |
| Net charge-offs to loans | 0.0703% | 4,489 |
| Credit loss provision to net charge-offs | 680.5556% | 859 |
| Earnings coverage of net charge-offs (x) | 18.9722% | 1,437 |
| Efficiency ratio | 72.4708% | 4,115 |
| Assets per employee ($millions) | 3.2887% | 5,347 |
| Cash dividends to net income (ytd only)* | 50.6383% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,828 |
| Loan loss allowance to noncurrent loans | 221.9660% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 6,422 |
| Noncurrent loans to loans | 0.3963% | 6,428 |
| Net loans and leases to total assets | 93.5364% | 35 |
| Net loans and leases to deposits | 127.6518% | 168 |
| Net loans and leases to core deposits | 182.3562% | 220 |
| Total domestic deposits to total assets | 73.2746% | 7,013 |
| Equity capital to assets | 7.7022% | 7,175 |
| Core capital (leverage) ratio | 7.7022% | 6,885 |
| Tier 1 risk-based capital ratio | 9.2350% | 7,642 |
| Total risk-based capital ratio | 10.2302% | 7,835 |
| Memoranda: | ||
| Average total assets | $217,976,000 | 3,013 |
| Average earning assets | $203,440,500 | 2,975 |
| Average equity | $16,755,000 | 3,782 |
| Average total loans | $204,817,500 | 2,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9964% | 1,137 |
| Cost of funding earning assets | 3.1271% | 1,429 |
| Net interest margin | 3.8693% | 3,709 |
| Noninterest income to average assets | 1.2817% | 893 |
| Noninterest expense to average assets | 3.6794% | 1,991 |
| Loan and lease loss provision to assets | 0.4357% | 3,113 |
| Net operating income to assets | 0.7724% | 3,564 |
| Return on assets (ROA) | 0.9970% | 2,451 |
| Pretax return on assets | 0.9970% | 3,393 |
| Return on Equity (ROE) | 12.6339% | 1,418 |
| Retained earnings to average equity (ytd only) | -1.5981% | 5,766 |
| Net charge-offs to loans | 0.2149% | 4,061 |
| Credit loss provision to net charge-offs | 215.8177% | 2,236 |
| Earnings coverage of net charge-offs (x) | 5.9839% | 3,473 |
| Efficiency ratio | 75.2824% | 3,361 |
| Assets per employee ($millions) | 3.2181% | 5,433 |
| Cash dividends to net income (ytd only)* | 112.6493% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 7,023 |
| Loan loss allowance to noncurrent loans | 115.9552% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 5,222 |
| Noncurrent loans to loans | 0.7085% | 5,265 |
| Net loans and leases to total assets | 92.7828% | 58 |
| Net loans and leases to deposits | 121.2976% | 359 |
| Net loans and leases to core deposits | 169.0454% | 422 |
| Total domestic deposits to total assets | 76.4919% | 6,125 |
| Equity capital to assets | 7.6708% | 7,240 |
| Core capital (leverage) ratio | 7.6708% | 6,974 |
| Tier 1 risk-based capital ratio | 9.1379% | 7,677 |
| Total risk-based capital ratio | 10.0534% | 7,960 |
| Memoranda: | ||
| Average total assets | $184,759,200 | 3,348 |
| Average earning assets | $172,173,800 | 3,300 |
| Average equity | $14,579,800 | 4,226 |
| Average total loans | $173,564,800 | 2,574 |