Home > Bremer Bank > Performance and Condition Ratios
Bremer Bank, Performance and Condition Ratios
| 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 | 4.2055% | 2,969 |
| Cost of funding earning assets | 0.1717% | 6,052 |
| Net interest margin | 4.0338% | 1,775 |
| Noninterest income to average assets | 0.9090% | 1,497 |
| Noninterest expense to average assets | 2.6862% | 3,871 |
| Loan and lease loss provision to assets | 0.3302% | 554 |
| Net operating income to assets | 1.0885% | 2,079 |
| Return on assets (ROA) | 1.1180% | 2,028 |
| Pretax return on assets | 1.6823% | 1,109 |
| Return on Equity (ROE) | 11.9900% | 1,484 |
| Retained earnings to average equity (ytd only) | 11.9900% | 419 |
| Net charge-offs to loans | 0.1860% | 1,974 |
| Credit loss provision to net charge-offs | 225.6318% | 1,154 |
| Earnings coverage of net charge-offs (x) | 13.4453% | 2,227 |
| Efficiency ratio | 57.7181% | 5,482 |
| Assets per employee ($millions) | 9.0745% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,497 |
| Loan loss allowance to noncurrent loans | 97.5714% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 2,520 |
| Noncurrent loans to loans | 1.3630% | 2,372 |
| Net loans and leases to total assets | 79.7728% | 743 |
| Net loans and leases to deposits | 132.7591% | 34 |
| Net loans and leases to core deposits | 134.0397% | 190 |
| Total domestic deposits to total assets | 60.0884% | 6,489 |
| Equity capital to assets | 9.7273% | 4,520 |
| Core capital (leverage) ratio | 9.6105% | 4,223 |
| Tier 1 risk-based capital ratio | 10.9860% | 5,997 |
| Total risk-based capital ratio | 12.2366% | 5,943 |
| Memoranda: | ||
| Average total assets | $757,036,500 | 906 |
| Average earning assets | $702,835,000 | 875 |
| Average equity | $70,590,250 | 1,039 |
| Average total loans | $595,827,000 | 740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 3,106 |
| Cost of funding earning assets | 0.1751% | 6,108 |
| Net interest margin | 3.9843% | 1,860 |
| Noninterest income to average assets | 0.8299% | 1,739 |
| Noninterest expense to average assets | 2.6752% | 3,957 |
| Loan and lease loss provision to assets | 0.3310% | 564 |
| Net operating income to assets | 1.0145% | 2,272 |
| Return on assets (ROA) | 1.0430% | 2,208 |
| Pretax return on assets | 1.5544% | 1,384 |
| Return on Equity (ROE) | 11.3508% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.3508% | 491 |
| Net charge-offs to loans | 0.2000% | 1,829 |
| Credit loss provision to net charge-offs | 212.2241% | 1,115 |
| Earnings coverage of net charge-offs (x) | 11.8149% | 2,115 |
| Efficiency ratio | 59.2135% | 5,401 |
| Assets per employee ($millions) | 8.9204% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,065 |
| Loan loss allowance to noncurrent loans | 82.0866% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 2,510 |
| Noncurrent loans to loans | 1.5379% | 2,257 |
| Net loans and leases to total assets | 78.7375% | 823 |
| Net loans and leases to deposits | 133.6077% | 32 |
| Net loans and leases to core deposits | 138.0212% | 148 |
| Total domestic deposits to total assets | 58.9319% | 6,567 |
| Equity capital to assets | 9.2555% | 5,027 |
| Core capital (leverage) ratio | 9.4119% | 4,453 |
| Tier 1 risk-based capital ratio | 10.6421% | 6,205 |
| Total risk-based capital ratio | 11.8834% | 6,153 |
| Memoranda: | ||
| Average total assets | $755,296,330 | 904 |
| Average earning assets | $699,140,670 | 880 |
| Average equity | $69,404,670 | 1,051 |
| Average total loans | $589,012,670 | 739 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,419 |
| Cost of funding earning assets | 0.1762% | 6,192 |
| Net interest margin | 3.8893% | 2,122 |
| Noninterest income to average assets | 0.7867% | 1,813 |
| Noninterest expense to average assets | 2.7134% | 3,891 |
| Loan and lease loss provision to assets | 0.3356% | 534 |
| Net operating income to assets | 0.9004% | 2,648 |
| Return on assets (ROA) | 0.9596% | 2,431 |
| Pretax return on assets | 1.4155% | 1,696 |
| Return on Equity (ROE) | 10.4822% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.4822% | 844 |
| Net charge-offs to loans | 0.3714% | 973 |
| Credit loss provision to net charge-offs | 117.2608% | 1,483 |
| Earnings coverage of net charge-offs (x) | 5.8143% | 2,327 |
| Efficiency ratio | 61.9848% | 5,122 |
| Assets per employee ($millions) | 8.6847% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,403 |
| Loan loss allowance to noncurrent loans | 79.9558% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 2,752 |
| Noncurrent loans to loans | 1.5584% | 2,483 |
| Net loans and leases to total assets | 75.1240% | 1,111 |
| Net loans and leases to deposits | 120.1673% | 73 |
| Net loans and leases to core deposits | 123.8946% | 259 |
| Total domestic deposits to total assets | 62.5162% | 6,614 |
| Equity capital to assets | 9.0662% | 5,035 |
| Core capital (leverage) ratio | 9.5929% | 4,143 |
| Tier 1 risk-based capital ratio | 10.8594% | 6,213 |
| Total risk-based capital ratio | 12.0762% | 6,181 |
| Memoranda: | ||
| Average total assets | $744,906,000 | 918 |
| Average earning assets | $687,728,500 | 898 |
| Average equity | $68,192,000 | 1,072 |
| Average total loans | $574,080,500 | 765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,702 |
| Cost of funding earning assets | 0.2197% | 6,180 |
| Net interest margin | 4.1476% | 1,514 |
| Noninterest income to average assets | 1.0088% | 1,376 |
| Noninterest expense to average assets | 3.0319% | 2,962 |
| Loan and lease loss provision to assets | 0.1608% | 2,269 |
| Net operating income to assets | 1.1197% | 1,873 |
| Return on assets (ROA) | 1.1327% | 1,887 |
| Pretax return on assets | 1.7135% | 922 |
| Return on Equity (ROE) | 12.8727% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.8727% | 250 |
| Net charge-offs to loans | 0.1119% | 3,708 |
| Credit loss provision to net charge-offs | 183.0821% | 1,254 |
| Earnings coverage of net charge-offs (x) | 21.1122% | 1,508 |
| Efficiency ratio | 62.0464% | 5,207 |
| Assets per employee ($millions) | 7.7187% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,335 |
| Loan loss allowance to noncurrent loans | 127.6687% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 3,864 |
| Noncurrent loans to loans | 0.9884% | 3,543 |
| Net loans and leases to total assets | 77.1305% | 933 |
| Net loans and leases to deposits | 118.7145% | 76 |
| Net loans and leases to core deposits | 122.4131% | 296 |
| Total domestic deposits to total assets | 64.9714% | 6,654 |
| Equity capital to assets | 9.2474% | 4,750 |
| Core capital (leverage) ratio | 9.6539% | 4,053 |
| Tier 1 risk-based capital ratio | 10.8784% | 6,232 |
| Total risk-based capital ratio | 12.1148% | 6,183 |
| Memoranda: | ||
| Average total assets | $679,614,800 | 982 |
| Average earning assets | $635,379,600 | 955 |
| Average equity | $59,801,000 | 1,203 |
| Average total loans | $533,306,200 | 797 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,741 |
| Cost of funding earning assets | 0.2249% | 6,264 |
| Net interest margin | 4.1334% | 1,528 |
| Noninterest income to average assets | 1.0658% | 1,288 |
| Noninterest expense to average assets | 3.0460% | 2,833 |
| Loan and lease loss provision to assets | 0.1207% | 2,786 |
| Net operating income to assets | 1.1691% | 1,744 |
| Return on assets (ROA) | 1.1967% | 1,719 |
| Pretax return on assets | 1.8250% | 851 |
| Return on Equity (ROE) | 13.7912% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.7912% | 266 |
| Net charge-offs to loans | 0.0686% | 3,940 |
| Credit loss provision to net charge-offs | 224.0741% | 1,091 |
| Earnings coverage of net charge-offs (x) | 35.3334% | 1,095 |
| Efficiency ratio | 61.5385% | 5,200 |
| Assets per employee ($millions) | 7.0638% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 4,625 |
| Loan loss allowance to noncurrent loans | 115.7450% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 3,885 |
| Noncurrent loans to loans | 1.0827% | 3,630 |
| Net loans and leases to total assets | 78.7721% | 672 |
| Net loans and leases to deposits | 123.5077% | 57 |
| Net loans and leases to core deposits | 127.4319% | 218 |
| Total domestic deposits to total assets | 63.7791% | 6,757 |
| Equity capital to assets | 8.6761% | 5,547 |
| Core capital (leverage) ratio | 9.1033% | 4,966 |
| Tier 1 risk-based capital ratio | 10.1113% | 6,568 |
| Total risk-based capital ratio | 11.3378% | 6,545 |
| Memoranda: | ||
| Average total assets | $668,129,500 | 1,001 |
| Average earning assets | $627,819,750 | 973 |
| Average equity | $57,977,500 | 1,250 |
| Average total loans | $524,938,500 | 813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,734 |
| Cost of funding earning assets | 0.2257% | 6,338 |
| Net interest margin | 4.1305% | 1,460 |
| Noninterest income to average assets | 1.0944% | 1,273 |
| Noninterest expense to average assets | 3.0845% | 2,711 |
| Loan and lease loss provision to assets | 0.0918% | 3,254 |
| Net operating income to assets | 1.1858% | 1,631 |
| Return on assets (ROA) | 1.1868% | 1,735 |
| Pretax return on assets | 1.8092% | 907 |
| Return on Equity (ROE) | 13.6759% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.6759% | 325 |
| Net charge-offs to loans | 0.0572% | 3,885 |
| Credit loss provision to net charge-offs | 205.4422% | 1,167 |
| Earnings coverage of net charge-offs (x) | 42.4966% | 890 |
| Efficiency ratio | 61.8876% | 5,188 |
| Assets per employee ($millions) | 6.8465% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,744 |
| Loan loss allowance to noncurrent loans | 118.4284% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 3,909 |
| Noncurrent loans to loans | 1.0535% | 3,826 |
| Net loans and leases to total assets | 79.5440% | 577 |
| Net loans and leases to deposits | 120.7358% | 67 |
| Net loans and leases to core deposits | 124.9764% | 238 |
| Total domestic deposits to total assets | 65.8827% | 6,761 |
| Equity capital to assets | 8.6407% | 5,625 |
| Core capital (leverage) ratio | 8.9371% | 5,094 |
| Tier 1 risk-based capital ratio | 10.1935% | 6,592 |
| Total risk-based capital ratio | 11.4428% | 6,565 |
| Memoranda: | ||
| Average total assets | $657,732,670 | 1,021 |
| Average earning assets | $619,388,670 | 993 |
| Average equity | $57,078,670 | 1,265 |
| Average total loans | $513,964,670 | 824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,724 |
| Cost of funding earning assets | 0.2190% | 6,481 |
| Net interest margin | 4.1230% | 1,395 |
| Noninterest income to average assets | 1.0826% | 1,263 |
| Noninterest expense to average assets | 3.1280% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1901% | 1,553 |
| Return on assets (ROA) | 1.1901% | 1,665 |
| Pretax return on assets | 1.8144% | 858 |
| Return on Equity (ROE) | 13.6826% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.6826% | 479 |
| Net charge-offs to loans | -0.0225% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2888% | 5,120 |
| Assets per employee ($millions) | 6.8748% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,703 |
| Loan loss allowance to noncurrent loans | 112.0328% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 3,889 |
| Noncurrent loans to loans | 1.1593% | 3,840 |
| Net loans and leases to total assets | 78.6119% | 548 |
| Net loans and leases to deposits | 107.7858% | 164 |
| Net loans and leases to core deposits | 113.3694% | 407 |
| Total domestic deposits to total assets | 72.9334% | 6,603 |
| Equity capital to assets | 8.8581% | 5,656 |
| Core capital (leverage) ratio | 9.2279% | 4,517 |
| Tier 1 risk-based capital ratio | 10.3565% | 6,617 |
| Total risk-based capital ratio | 11.6070% | 6,603 |
| Memoranda: | ||
| Average total assets | $647,696,500 | 1,050 |
| Average earning assets | $606,351,500 | 1,028 |
| Average equity | $56,334,500 | 1,297 |
| Average total loans | $497,964,500 | 854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 2,747 |
| Cost of funding earning assets | 0.2896% | 6,508 |
| Net interest margin | 4.3726% | 1,224 |
| Noninterest income to average assets | 1.1334% | 1,216 |
| Noninterest expense to average assets | 3.1375% | 2,818 |
| Loan and lease loss provision to assets | 0.1492% | 3,743 |
| Net operating income to assets | 1.2800% | 1,367 |
| Return on assets (ROA) | 1.3133% | 1,406 |
| Pretax return on assets | 2.0047% | 591 |
| Return on Equity (ROE) | 15.2179% | 773 |
| Retained earnings to average equity (ytd only) | 11.4058% | 392 |
| Net charge-offs to loans | 0.1864% | 3,888 |
| Credit loss provision to net charge-offs | 105.7110% | 2,816 |
| Earnings coverage of net charge-offs (x) | 14.9033% | 1,694 |
| Efficiency ratio | 59.8650% | 5,563 |
| Assets per employee ($millions) | 6.8333% | 839 |
| Cash dividends to net income (ytd only)* | 25.0501% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,249 |
| Loan loss allowance to noncurrent loans | 107.5978% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 4,007 |
| Noncurrent loans to loans | 1.2855% | 3,689 |
| Net loans and leases to total assets | 73.1056% | 1,319 |
| Net loans and leases to deposits | 92.8503% | 842 |
| Net loans and leases to core deposits | 97.2870% | 1,198 |
| Total domestic deposits to total assets | 78.7348% | 5,947 |
| Equity capital to assets | 8.5380% | 6,015 |
| Core capital (leverage) ratio | 8.8018% | 5,178 |
| Tier 1 risk-based capital ratio | 10.5059% | 6,553 |
| Total risk-based capital ratio | 11.7571% | 6,521 |
| Memoranda: | ||
| Average total assets | $607,913,800 | 1,090 |
| Average earning assets | $571,058,400 | 1,057 |
| Average equity | $52,464,600 | 1,358 |
| Average total loans | $460,290,800 | 898 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 2,629 |
| Cost of funding earning assets | 0.3079% | 6,575 |
| Net interest margin | 4.4303% | 1,140 |
| Noninterest income to average assets | 1.2010% | 1,050 |
| Noninterest expense to average assets | 3.1434% | 2,742 |
| Loan and lease loss provision to assets | 0.2037% | 3,041 |
| Net operating income to assets | 1.3327% | 1,371 |
| Return on assets (ROA) | 1.3772% | 1,407 |
| Pretax return on assets | 2.1086% | 562 |
| Return on Equity (ROE) | 15.9121% | 753 |
| Retained earnings to average equity (ytd only) | 10.7567% | 733 |
| Net charge-offs to loans | 0.1778% | 3,685 |
| Credit loss provision to net charge-offs | 150.4119% | 1,873 |
| Earnings coverage of net charge-offs (x) | 16.5684% | 1,684 |
| Efficiency ratio | 58.3492% | 5,739 |
| Assets per employee ($millions) | 6.5347% | 937 |
| Cash dividends to net income (ytd only)* | 32.3992% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 4,157 |
| Loan loss allowance to noncurrent loans | 159.3959% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 4,841 |
| Noncurrent loans to loans | 0.9097% | 4,611 |
| Net loans and leases to total assets | 78.1496% | 715 |
| Net loans and leases to deposits | 89.5409% | 1,202 |
| Net loans and leases to core deposits | 93.8208% | 1,599 |
| Total domestic deposits to total assets | 87.2780% | 2,507 |
| Equity capital to assets | 9.0568% | 5,769 |
| Core capital (leverage) ratio | 9.1110% | 4,896 |
| Tier 1 risk-based capital ratio | 10.4090% | 6,698 |
| Total risk-based capital ratio | 11.6611% | 6,674 |
| Memoranda: | ||
| Average total assets | $597,602,250 | 1,121 |
| Average earning assets | $564,677,750 | 1,079 |
| Average equity | $51,724,500 | 1,379 |
| Average total loans | $455,056,500 | 913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 2,952 |
| Cost of funding earning assets | 0.3167% | 6,661 |
| Net interest margin | 4.3740% | 1,270 |
| Noninterest income to average assets | 1.2357% | 933 |
| Noninterest expense to average assets | 3.1318% | 2,811 |
| Loan and lease loss provision to assets | 0.1593% | 3,527 |
| Net operating income to assets | 1.3545% | 1,301 |
| Return on assets (ROA) | 1.4212% | 1,278 |
| Pretax return on assets | 2.1838% | 497 |
| Return on Equity (ROE) | 16.6797% | 682 |
| Retained earnings to average equity (ytd only) | 8.8082% | 1,341 |
| Net charge-offs to loans | 0.2488% | 3,087 |
| Credit loss provision to net charge-offs | 85.2783% | 3,178 |
| Earnings coverage of net charge-offs (x) | 11.9946% | 1,920 |
| Efficiency ratio | 58.2959% | 5,832 |
| Assets per employee ($millions) | 6.4971% | 958 |
| Cash dividends to net income (ytd only)* | 47.1921% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,420 |
| Loan loss allowance to noncurrent loans | 146.9926% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 4,894 |
| Noncurrent loans to loans | 0.9591% | 4,591 |
| Net loans and leases to total assets | 76.3353% | 926 |
| Net loans and leases to deposits | 86.0317% | 1,591 |
| Net loans and leases to core deposits | 90.1401% | 1,968 |
| Total domestic deposits to total assets | 88.7293% | 1,686 |
| Equity capital to assets | 8.7494% | 5,970 |
| Core capital (leverage) ratio | 8.6366% | 5,469 |
| Tier 1 risk-based capital ratio | 10.3555% | 6,739 |
| Total risk-based capital ratio | 11.6073% | 6,724 |
| Memoranda: | ||
| Average total assets | $596,404,330 | 1,118 |
| Average earning assets | $564,009,330 | 1,078 |
| Average equity | $50,816,330 | 1,398 |
| Average total loans | $447,827,000 | 929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 3,092 |
| Cost of funding earning assets | 0.3319% | 6,719 |
| Net interest margin | 4.3575% | 1,321 |
| Noninterest income to average assets | 1.1643% | 1,051 |
| Noninterest expense to average assets | 3.0940% | 2,934 |
| Loan and lease loss provision to assets | 0.1591% | 3,390 |
| Net operating income to assets | 1.3123% | 1,429 |
| Return on assets (ROA) | 1.4463% | 1,262 |
| Pretax return on assets | 2.2251% | 516 |
| Return on Equity (ROE) | 17.2060% | 640 |
| Retained earnings to average equity (ytd only) | 1.2301% | 5,599 |
| Net charge-offs to loans | 0.0736% | 3,762 |
| Credit loss provision to net charge-offs | 292.5926% | 1,009 |
| Earnings coverage of net charge-offs (x) | 40.0494% | 748 |
| Efficiency ratio | 58.6857% | 5,818 |
| Assets per employee ($millions) | 6.9891% | 760 |
| Cash dividends to net income (ytd only)* | 92.8505% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 4,101 |
| Loan loss allowance to noncurrent loans | 136.4884% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 4,820 |
| Noncurrent loans to loans | 1.1070% | 4,486 |
| Net loans and leases to total assets | 73.3466% | 1,166 |
| Net loans and leases to deposits | 84.4307% | 1,605 |
| Net loans and leases to core deposits | 89.0277% | 1,947 |
| Total domestic deposits to total assets | 86.8719% | 3,031 |
| Equity capital to assets | 8.3203% | 6,255 |
| Core capital (leverage) ratio | 8.6808% | 5,333 |
| Tier 1 risk-based capital ratio | 10.2733% | 6,803 |
| Total risk-based capital ratio | 11.5262% | 6,806 |
| Memoranda: | ||
| Average total assets | $595,739,000 | 1,123 |
| Average earning assets | $561,602,000 | 1,092 |
| Average equity | $50,075,500 | 1,409 |
| Average total loans | $440,336,500 | 943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 2,924 |
| Cost of funding earning assets | 0.4737% | 6,640 |
| Net interest margin | 4.5161% | 1,096 |
| Noninterest income to average assets | 0.8614% | 1,797 |
| Noninterest expense to average assets | 2.8951% | 3,978 |
| Loan and lease loss provision to assets | 0.1367% | 4,914 |
| Net operating income to assets | 1.3831% | 1,054 |
| Return on assets (ROA) | 1.4196% | 1,063 |
| Pretax return on assets | 2.1614% | 394 |
| Return on Equity (ROE) | 15.6061% | 664 |
| Retained earnings to average equity (ytd only) | -0.3226% | 5,904 |
| Net charge-offs to loans | 0.1938% | 4,592 |
| Credit loss provision to net charge-offs | 94.8492% | 3,804 |
| Earnings coverage of net charge-offs (x) | 15.5578% | 1,385 |
| Efficiency ratio | 56.3467% | 6,271 |
| Assets per employee ($millions) | 6.8653% | 785 |
| Cash dividends to net income (ytd only)* | 102.0669% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,909 |
| Loan loss allowance to noncurrent loans | 87.7773% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 4,036 |
| Noncurrent loans to loans | 1.7381% | 3,559 |
| Net loans and leases to total assets | 72.2278% | 1,607 |
| Net loans and leases to deposits | 87.5664% | 1,443 |
| Net loans and leases to core deposits | 92.7280% | 1,819 |
| Total domestic deposits to total assets | 82.4835% | 4,971 |
| Equity capital to assets | 8.4925% | 6,154 |
| Core capital (leverage) ratio | 8.4234% | 5,680 |
| Tier 1 risk-based capital ratio | 10.5778% | 6,651 |
| Total risk-based capital ratio | 11.8308% | 6,627 |
| Memoranda: | ||
| Average total assets | $552,137,600 | 1,195 |
| Average earning assets | $522,863,000 | 1,139 |
| Average equity | $50,224,000 | 1,357 |
| Average total loans | $410,768,000 | 1,023 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 2,862 |
| Cost of funding earning assets | 0.5064% | 6,672 |
| Net interest margin | 4.5392% | 1,068 |
| Noninterest income to average assets | 0.8333% | 1,913 |
| Noninterest expense to average assets | 2.8230% | 4,260 |
| Loan and lease loss provision to assets | 0.1012% | 5,180 |
| Net operating income to assets | 1.4558% | 1,036 |
| Return on assets (ROA) | 1.4663% | 1,093 |
| Pretax return on assets | 2.2375% | 402 |
| Return on Equity (ROE) | 15.8341% | 704 |
| Retained earnings to average equity (ytd only) | -0.0876% | 5,980 |
| Net charge-offs to loans | 0.0559% | 5,415 |
| Credit loss provision to net charge-offs | 242.3529% | 1,183 |
| Earnings coverage of net charge-offs (x) | 55.6002% | 591 |
| Efficiency ratio | 54.8615% | 6,402 |
| Assets per employee ($millions) | 6.7839% | 826 |
| Cash dividends to net income (ytd only)* | 100.5531% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 3,482 |
| Loan loss allowance to noncurrent loans | 138.3534% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 4,850 |
| Noncurrent loans to loans | 1.1860% | 4,559 |
| Net loans and leases to total assets | 74.2424% | 1,297 |
| Net loans and leases to deposits | 90.1220% | 1,200 |
| Net loans and leases to core deposits | 95.7314% | 1,633 |
| Total domestic deposits to total assets | 82.3799% | 4,936 |
| Equity capital to assets | 9.1273% | 5,611 |
| Core capital (leverage) ratio | 9.2295% | 4,573 |
| Tier 1 risk-based capital ratio | 11.0177% | 6,532 |
| Total risk-based capital ratio | 12.2721% | 6,513 |
| Memoranda: | ||
| Average total assets | $542,568,250 | 1,219 |
| Average earning assets | $515,471,250 | 1,174 |
| Average equity | $50,244,750 | 1,358 |
| Average total loans | $405,197,250 | 1,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 2,853 |
| Cost of funding earning assets | 0.5331% | 6,730 |
| Net interest margin | 4.5328% | 1,049 |
| Noninterest income to average assets | 0.8446% | 1,821 |
| Noninterest expense to average assets | 2.8346% | 4,294 |
| Loan and lease loss provision to assets | 0.1532% | 4,396 |
| Net operating income to assets | 1.4209% | 1,044 |
| Return on assets (ROA) | 1.4368% | 1,064 |
| Pretax return on assets | 2.1896% | 418 |
| Return on Equity (ROE) | 15.4388% | 731 |
| Retained earnings to average equity (ytd only) | -0.5393% | 5,972 |
| Net charge-offs to loans | 0.1049% | 4,636 |
| Credit loss provision to net charge-offs | 196.1905% | 1,542 |
| Earnings coverage of net charge-offs (x) | 29.7000% | 924 |
| Efficiency ratio | 55.0065% | 6,506 |
| Assets per employee ($millions) | 6.7554% | 823 |
| Cash dividends to net income (ytd only)* | 103.4929% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,417 |
| Loan loss allowance to noncurrent loans | 140.2169% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 4,937 |
| Noncurrent loans to loans | 1.1918% | 4,661 |
| Net loans and leases to total assets | 75.5381% | 1,147 |
| Net loans and leases to deposits | 92.3327% | 1,015 |
| Net loans and leases to core deposits | 98.3167% | 1,484 |
| Total domestic deposits to total assets | 81.8108% | 5,230 |
| Equity capital to assets | 9.4257% | 4,929 |
| Core capital (leverage) ratio | 9.2230% | 4,363 |
| Tier 1 risk-based capital ratio | 11.2885% | 6,325 |
| Total risk-based capital ratio | 12.5433% | 6,316 |
| Memoranda: | ||
| Average total assets | $537,998,000 | 1,239 |
| Average earning assets | $511,378,330 | 1,193 |
| Average equity | $50,068,670 | 1,344 |
| Average total loans | $400,301,330 | 1,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 3,341 |
| Cost of funding earning assets | 0.5546% | 6,787 |
| Net interest margin | 4.3931% | 1,296 |
| Noninterest income to average assets | 0.7857% | 2,091 |
| Noninterest expense to average assets | 2.7814% | 4,521 |
| Loan and lease loss provision to assets | 0.3058% | 2,724 |
| Net operating income to assets | 1.2448% | 1,400 |
| Return on assets (ROA) | 1.2448% | 1,452 |
| Pretax return on assets | 1.8809% | 704 |
| Return on Equity (ROE) | 13.4611% | 1,097 |
| Retained earnings to average equity (ytd only) | -2.5545% | 6,226 |
| Net charge-offs to loans | 0.0506% | 4,431 |
| Credit loss provision to net charge-offs | 826.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 59.0600% | 503 |
| Efficiency ratio | 55.9845% | 6,511 |
| Assets per employee ($millions) | 7.7624% | 521 |
| Cash dividends to net income (ytd only)* | 118.9768% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 3,221 |
| Loan loss allowance to noncurrent loans | 149.2973% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 5,026 |
| Noncurrent loans to loans | 1.1636% | 4,757 |
| Net loans and leases to total assets | 72.9849% | 1,516 |
| Net loans and leases to deposits | 86.9953% | 1,596 |
| Net loans and leases to core deposits | 92.4655% | 2,073 |
| Total domestic deposits to total assets | 83.8952% | 4,528 |
| Equity capital to assets | 9.1529% | 4,953 |
| Core capital (leverage) ratio | 9.2745% | 4,160 |
| Tier 1 risk-based capital ratio | 11.3710% | 6,200 |
| Total risk-based capital ratio | 12.6266% | 6,183 |
| Memoranda: | ||
| Average total assets | $540,157,500 | 1,247 |
| Average earning assets | $514,265,000 | 1,198 |
| Average equity | $49,951,500 | 1,335 |
| Average total loans | $395,461,000 | 1,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 3,044 |
| Cost of funding earning assets | 0.8388% | 6,404 |
| Net interest margin | 4.4770% | 1,279 |
| Noninterest income to average assets | 0.9172% | 1,785 |
| Noninterest expense to average assets | 2.9227% | 4,134 |
| Loan and lease loss provision to assets | 0.4937% | 3,187 |
| Net operating income to assets | 1.1732% | 1,480 |
| Return on assets (ROA) | 1.2599% | 1,338 |
| Pretax return on assets | 1.8942% | 620 |
| Return on Equity (ROE) | 13.0901% | 1,069 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,293 |
| Net charge-offs to loans | 0.4660% | 3,753 |
| Credit loss provision to net charge-offs | 141.4888% | 2,652 |
| Earnings coverage of net charge-offs (x) | 6.4724% | 2,352 |
| Efficiency ratio | 56.4087% | 6,544 |
| Assets per employee ($millions) | 6.7968% | 822 |
| Cash dividends to net income (ytd only)* | 72.0133% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,151 |
| Loan loss allowance to noncurrent loans | 269.6957% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 5,938 |
| Noncurrent loans to loans | 0.6364% | 5,776 |
| Net loans and leases to total assets | 70.8983% | 2,334 |
| Net loans and leases to deposits | 91.8265% | 1,280 |
| Net loans and leases to core deposits | 98.1982% | 1,781 |
| Total domestic deposits to total assets | 77.2090% | 6,448 |
| Equity capital to assets | 9.3434% | 4,631 |
| Core capital (leverage) ratio | 9.1798% | 4,208 |
| Tier 1 risk-based capital ratio | 11.8557% | 5,610 |
| Total risk-based capital ratio | 13.1108% | 5,595 |
| Memoranda: | ||
| Average total assets | $523,554,200 | 1,276 |
| Average earning assets | $498,663,600 | 1,234 |
| Average equity | $50,389,400 | 1,323 |
| Average total loans | $392,046,400 | 1,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 2,944 |
| Cost of funding earning assets | 0.9037% | 6,382 |
| Net interest margin | 4.4816% | 1,300 |
| Noninterest income to average assets | 0.9040% | 1,785 |
| Noninterest expense to average assets | 2.8004% | 4,488 |
| Loan and lease loss provision to assets | 0.6402% | 2,388 |
| Net operating income to assets | 1.1499% | 1,733 |
| Return on assets (ROA) | 1.2661% | 1,506 |
| Pretax return on assets | 1.9025% | 767 |
| Return on Equity (ROE) | 13.0569% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.1100% | 1,794 |
| Net charge-offs to loans | 0.5483% | 3,107 |
| Credit loss provision to net charge-offs | 154.4836% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.7168% | 2,696 |
| Efficiency ratio | 54.1696% | 6,774 |
| Assets per employee ($millions) | 7.0683% | 746 |
| Cash dividends to net income (ytd only)* | 45.5466% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 2,928 |
| Loan loss allowance to noncurrent loans | 219.5201% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 5,656 |
| Noncurrent loans to loans | 0.8027% | 5,609 |
| Net loans and leases to total assets | 72.1643% | 2,218 |
| Net loans and leases to deposits | 93.5845% | 1,249 |
| Net loans and leases to core deposits | 100.7740% | 1,770 |
| Total domestic deposits to total assets | 77.1115% | 6,455 |
| Equity capital to assets | 9.8302% | 4,371 |
| Core capital (leverage) ratio | 9.7472% | 3,557 |
| Tier 1 risk-based capital ratio | 12.4186% | 5,063 |
| Total risk-based capital ratio | 13.6749% | 5,020 |
| Memoranda: | ||
| Average total assets | $520,205,750 | 1,295 |
| Average earning assets | $495,143,250 | 1,253 |
| Average equity | $50,444,500 | 1,329 |
| Average total loans | $393,224,250 | 1,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 2,857 |
| Cost of funding earning assets | 0.9165% | 6,513 |
| Net interest margin | 4.5110% | 1,181 |
| Noninterest income to average assets | 0.8427% | 1,909 |
| Noninterest expense to average assets | 2.7666% | 4,633 |
| Loan and lease loss provision to assets | 0.6413% | 2,241 |
| Net operating income to assets | 1.1498% | 1,698 |
| Return on assets (ROA) | 1.3219% | 1,326 |
| Pretax return on assets | 1.9932% | 609 |
| Return on Equity (ROE) | 13.6950% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.7046% | 914 |
| Net charge-offs to loans | 0.3755% | 3,485 |
| Credit loss provision to net charge-offs | 223.7903% | 1,737 |
| Earnings coverage of net charge-offs (x) | 8.2836% | 2,161 |
| Efficiency ratio | 53.8214% | 6,901 |
| Assets per employee ($millions) | 6.3647% | 1,021 |
| Cash dividends to net income (ytd only)* | 29.1375% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,017 |
| Loan loss allowance to noncurrent loans | 348.3887% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 6,248 |
| Noncurrent loans to loans | 0.4926% | 6,262 |
| Net loans and leases to total assets | 76.6054% | 1,368 |
| Net loans and leases to deposits | 98.1888% | 858 |
| Net loans and leases to core deposits | 106.4558% | 1,403 |
| Total domestic deposits to total assets | 78.0185% | 6,265 |
| Equity capital to assets | 10.0730% | 3,921 |
| Core capital (leverage) ratio | 9.9451% | 3,229 |
| Tier 1 risk-based capital ratio | 12.1135% | 5,208 |
| Total risk-based capital ratio | 13.3693% | 5,178 |
| Memoranda: | ||
| Average total assets | $519,257,000 | 1,304 |
| Average earning assets | $494,696,670 | 1,264 |
| Average equity | $50,120,330 | 1,334 |
| Average total loans | $396,223,330 | 1,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 2,831 |
| Cost of funding earning assets | 0.9343% | 6,637 |
| Net interest margin | 4.5119% | 1,114 |
| Noninterest income to average assets | 0.8240% | 1,918 |
| Noninterest expense to average assets | 2.7023% | 4,894 |
| Loan and lease loss provision to assets | 0.6355% | 1,995 |
| Net operating income to assets | 1.1790% | 1,596 |
| Return on assets (ROA) | 1.3336% | 1,289 |
| Pretax return on assets | 2.0126% | 589 |
| Return on Equity (ROE) | 14.1150% | 1,037 |
| Retained earnings to average equity (ytd only) | 14.1150% | 498 |
| Net charge-offs to loans | 0.2395% | 3,500 |
| Credit loss provision to net charge-offs | 351.4768% | 1,153 |
| Earnings coverage of net charge-offs (x) | 13.3502% | 1,503 |
| Efficiency ratio | 52.8184% | 7,071 |
| Assets per employee ($millions) | 6.5708% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 3,260 |
| Loan loss allowance to noncurrent loans | 257.1768% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 6,084 |
| Noncurrent loans to loans | 0.6408% | 6,040 |
| Net loans and leases to total assets | 74.5679% | 1,842 |
| Net loans and leases to deposits | 93.3352% | 1,430 |
| Net loans and leases to core deposits | 101.0394% | 2,026 |
| Total domestic deposits to total assets | 79.8926% | 5,820 |
| Equity capital to assets | 9.7229% | 4,195 |
| Core capital (leverage) ratio | 9.6261% | 3,610 |
| Tier 1 risk-based capital ratio | 11.9342% | 5,270 |
| Total risk-based capital ratio | 13.1891% | 5,220 |
| Memoranda: | ||
| Average total assets | $524,299,000 | 1,328 |
| Average earning assets | $498,766,000 | 1,286 |
| Average equity | $49,536,000 | 1,352 |
| Average total loans | $395,902,500 | 1,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 3,205 |
| Cost of funding earning assets | 1.3172% | 6,250 |
| Net interest margin | 4.3635% | 1,535 |
| Noninterest income to average assets | 1.0264% | 1,481 |
| Noninterest expense to average assets | 2.7687% | 5,093 |
| Loan and lease loss provision to assets | 0.6333% | 3,274 |
| Net operating income to assets | 1.1837% | 1,294 |
| Return on assets (ROA) | 1.2009% | 1,290 |
| Pretax return on assets | 1.7994% | 636 |
| Return on Equity (ROE) | 13.8482% | 810 |
| Retained earnings to average equity (ytd only) | 10.1067% | 363 |
| Net charge-offs to loans | 0.3848% | 4,282 |
| Credit loss provision to net charge-offs | 214.2027% | 1,790 |
| Earnings coverage of net charge-offs (x) | 8.1420% | 1,992 |
| Efficiency ratio | 53.4939% | 7,281 |
| Assets per employee ($millions) | 6.7885% | 869 |
| Cash dividends to net income (ytd only)* | 27.0184% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 3,841 |
| Loan loss allowance to noncurrent loans | 219.7761% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 5,965 |
| Noncurrent loans to loans | 0.6730% | 5,890 |
| Net loans and leases to total assets | 74.0979% | 2,254 |
| Net loans and leases to deposits | 94.0459% | 1,589 |
| Net loans and leases to core deposits | 104.0363% | 3,575 |
| Total domestic deposits to total assets | 78.7891% | 6,035 |
| Equity capital to assets | 9.1786% | 4,875 |
| Core capital (leverage) ratio | 9.0751% | 4,295 |
| Tier 1 risk-based capital ratio | 11.2062% | 5,714 |
| Total risk-based capital ratio | 12.4588% | 5,662 |
| Memoranda: | ||
| Average total assets | $523,956,800 | 1,313 |
| Average earning assets | $498,244,400 | 1,263 |
| Average equity | $45,435,400 | 1,479 |
| Average total loans | $402,560,600 | 1,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6701% | 3,475 |
| Cost of funding earning assets | 1.3897% | 6,272 |
| Net interest margin | 4.2804% | 1,781 |
| Noninterest income to average assets | 1.0698% | 1,386 |
| Noninterest expense to average assets | 2.7550% | 5,083 |
| Loan and lease loss provision to assets | 0.5483% | 3,197 |
| Net operating income to assets | 1.2205% | 1,417 |
| Return on assets (ROA) | 1.2431% | 1,428 |
| Pretax return on assets | 1.8745% | 693 |
| Return on Equity (ROE) | 14.5503% | 829 |
| Retained earnings to average equity (ytd only) | 9.4732% | 737 |
| Net charge-offs to loans | 0.2131% | 4,699 |
| Credit loss provision to net charge-offs | 333.1783% | 1,237 |
| Earnings coverage of net charge-offs (x) | 14.5147% | 1,598 |
| Efficiency ratio | 53.5615% | 7,285 |
| Assets per employee ($millions) | 6.5825% | 950 |
| Cash dividends to net income (ytd only)* | 34.8933% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,127 |
| Loan loss allowance to noncurrent loans | 165.6554% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,701 |
| Noncurrent loans to loans | 0.8250% | 5,647 |
| Net loans and leases to total assets | 77.0777% | 1,775 |
| Net loans and leases to deposits | 102.9671% | 850 |
| Net loans and leases to core deposits | 118.2213% | 2,395 |
| Total domestic deposits to total assets | 74.8566% | 6,799 |
| Equity capital to assets | 8.9452% | 5,567 |
| Core capital (leverage) ratio | 8.8203% | 4,942 |
| Tier 1 risk-based capital ratio | 10.6047% | 6,337 |
| Total risk-based capital ratio | 11.8561% | 6,311 |
| Memoranda: | ||
| Average total assets | $522,569,500 | 1,333 |
| Average earning assets | $497,357,500 | 1,281 |
| Average equity | $44,644,000 | 1,525 |
| Average total loans | $403,640,000 | 1,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 3,810 |
| Cost of funding earning assets | 1.4261% | 6,394 |
| Net interest margin | 4.2246% | 1,898 |
| Noninterest income to average assets | 1.1688% | 1,147 |
| Noninterest expense to average assets | 2.8091% | 4,925 |
| Loan and lease loss provision to assets | 0.4651% | 3,198 |
| Net operating income to assets | 1.2538% | 1,347 |
| Return on assets (ROA) | 1.2877% | 1,347 |
| Pretax return on assets | 1.9527% | 628 |
| Return on Equity (ROE) | 15.3159% | 781 |
| Retained earnings to average equity (ytd only) | 7.5576% | 1,373 |
| Net charge-offs to loans | 0.1561% | 4,634 |
| Credit loss provision to net charge-offs | 387.2204% | 1,200 |
| Earnings coverage of net charge-offs (x) | 19.7029% | 1,353 |
| Efficiency ratio | 54.2779% | 7,302 |
| Assets per employee ($millions) | 6.5931% | 929 |
| Cash dividends to net income (ytd only)* | 50.6555% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,783 |
| Loan loss allowance to noncurrent loans | 218.3558% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 6,290 |
| Noncurrent loans to loans | 0.5611% | 6,144 |
| Net loans and leases to total assets | 75.7851% | 2,230 |
| Net loans and leases to deposits | 102.6588% | 1,023 |
| Net loans and leases to core deposits | 121.9632% | 2,210 |
| Total domestic deposits to total assets | 73.8223% | 6,976 |
| Equity capital to assets | 8.4242% | 6,160 |
| Core capital (leverage) ratio | 8.6495% | 5,179 |
| Tier 1 risk-based capital ratio | 10.2143% | 6,695 |
| Total risk-based capital ratio | 11.4284% | 6,670 |
| Memoranda: | ||
| Average total assets | $521,227,330 | 1,360 |
| Average earning assets | $494,347,000 | 1,313 |
| Average equity | $43,823,670 | 1,553 |
| Average total loans | $401,016,000 | 1,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 4,013 |
| Cost of funding earning assets | 1.4340% | 6,623 |
| Net interest margin | 4.2231% | 1,828 |
| Noninterest income to average assets | 1.0792% | 1,286 |
| Noninterest expense to average assets | 2.7039% | 4,988 |
| Loan and lease loss provision to assets | 0.3403% | 3,285 |
| Net operating income to assets | 1.3316% | 1,310 |
| Return on assets (ROA) | 1.3993% | 1,229 |
| Pretax return on assets | 2.1367% | 506 |
| Return on Equity (ROE) | 16.6601% | 730 |
| Retained earnings to average equity (ytd only) | 0.9343% | 5,272 |
| Net charge-offs to loans | 0.0424% | 4,886 |
| Credit loss provision to net charge-offs | 1,042.8571% | 594 |
| Earnings coverage of net charge-offs (x) | 72.7143% | 558 |
| Efficiency ratio | 53.2599% | 7,288 |
| Assets per employee ($millions) | 6.6152% | 906 |
| Cash dividends to net income (ytd only)* | 94.3920% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 5,304 |
| Loan loss allowance to noncurrent loans | 158.9374% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,680 |
| Noncurrent loans to loans | 0.7066% | 5,646 |
| Net loans and leases to total assets | 77.0714% | 2,024 |
| Net loans and leases to deposits | 105.9746% | 864 |
| Net loans and leases to core deposits | 121.0394% | 2,333 |
| Total domestic deposits to total assets | 72.7263% | 7,098 |
| Equity capital to assets | 8.4282% | 6,186 |
| Core capital (leverage) ratio | 8.4620% | 5,613 |
| Tier 1 risk-based capital ratio | 10.0091% | 6,909 |
| Total risk-based capital ratio | 11.1259% | 6,955 |
| Memoranda: | ||
| Average total assets | $514,820,000 | 1,378 |
| Average earning assets | $487,324,500 | 1,335 |
| Average equity | $43,241,000 | 1,580 |
| Average total loans | $396,652,000 | 1,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3593% | 3,645 |
| Cost of funding earning assets | 2.2216% | 5,501 |
| Net interest margin | 4.1377% | 2,548 |
| Noninterest income to average assets | 0.9284% | 1,862 |
| Noninterest expense to average assets | 2.5422% | 5,852 |
| Loan and lease loss provision to assets | 0.2462% | 4,452 |
| Net operating income to assets | 1.3583% | 1,330 |
| Return on assets (ROA) | 1.3583% | 1,288 |
| Pretax return on assets | 2.0112% | 590 |
| Return on Equity (ROE) | 16.4544% | 704 |
| Retained earnings to average equity (ytd only) | 4.6388% | 2,236 |
| Net charge-offs to loans | 0.1728% | 4,471 |
| Credit loss provision to net charge-offs | 190.6344% | 2,583 |
| Earnings coverage of net charge-offs (x) | 17.4804% | 1,768 |
| Efficiency ratio | 52.9670% | 7,390 |
| Assets per employee ($millions) | 6.6709% | 821 |
| Cash dividends to net income (ytd only)* | 71.8081% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,593 |
| Loan loss allowance to noncurrent loans | 277.1352% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,321 |
| Noncurrent loans to loans | 0.3802% | 6,213 |
| Net loans and leases to total assets | 75.3403% | 2,798 |
| Net loans and leases to deposits | 103.1429% | 1,451 |
| Net loans and leases to core deposits | 117.4402% | 2,954 |
| Total domestic deposits to total assets | 73.0446% | 6,820 |
| Equity capital to assets | 8.3702% | 6,309 |
| Core capital (leverage) ratio | 8.5824% | 5,420 |
| Tier 1 risk-based capital ratio | 10.2730% | 6,447 |
| Total risk-based capital ratio | 11.3284% | 6,527 |
| Memoranda: | ||
| Average total assets | $512,627,600 | 1,316 |
| Average earning assets | $479,609,800 | 1,288 |
| Average equity | $42,317,000 | 1,581 |
| Average total loans | $383,140,600 | 1,263 |