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 | 3.7754% | 4,638 |
| Cost of funding earning assets | 0.2171% | 5,693 |
| Net interest margin | 3.5583% | 3,597 |
| Noninterest income to average assets | 1.0739% | 1,056 |
| Noninterest expense to average assets | 2.9439% | 2,979 |
| Loan and lease loss provision to assets | 0.0343% | 3,715 |
| Net operating income to assets | 1.0234% | 2,352 |
| Return on assets (ROA) | 1.0828% | 2,167 |
| Pretax return on assets | 1.5372% | 1,522 |
| Return on Equity (ROE) | 13.2317% | 1,162 |
| Retained earnings to average equity (ytd only) | 8.2054% | 1,262 |
| Net charge-offs to loans | 0.0383% | 3,733 |
| Credit loss provision to net charge-offs | 132.5397% | 1,751 |
| Earnings coverage of net charge-offs (x) | 57.3795% | 893 |
| Efficiency ratio | 66.4423% | 4,150 |
| Assets per employee ($millions) | 7.1676% | 748 |
| Cash dividends to net income (ytd only)* | 37.9867% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,268 |
| Loan loss allowance to noncurrent loans | 209.9030% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 4,182 |
| Noncurrent loans to loans | 0.7674% | 3,669 |
| Net loans and leases to total assets | 69.9699% | 2,198 |
| Net loans and leases to deposits | 87.2008% | 1,765 |
| Net loans and leases to core deposits | 88.0554% | 2,419 |
| Total domestic deposits to total assets | 80.2400% | 5,034 |
| Equity capital to assets | 8.8985% | 5,461 |
| Core capital (leverage) ratio | 8.6291% | 5,525 |
| Tier 1 risk-based capital ratio | 11.1733% | 5,923 |
| Total risk-based capital ratio | 12.4272% | 5,869 |
| Memoranda: | ||
| Average total assets | $648,331,000 | 1,045 |
| Average earning assets | $611,625,000 | 1,011 |
| Average equity | $53,053,000 | 1,385 |
| Average total loans | $438,307,750 | 1,010 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,993 |
| Cost of funding earning assets | 0.2315% | 5,650 |
| Net interest margin | 3.4226% | 4,093 |
| Noninterest income to average assets | 0.9400% | 1,368 |
| Noninterest expense to average assets | 2.8974% | 3,170 |
| Loan and lease loss provision to assets | 0.0356% | 3,573 |
| Net operating income to assets | 0.8869% | 2,879 |
| Return on assets (ROA) | 0.9671% | 2,557 |
| Pretax return on assets | 1.3476% | 2,091 |
| Return on Equity (ROE) | 12.1552% | 1,376 |
| Retained earnings to average equity (ytd only) | 4.4984% | 3,311 |
| Net charge-offs to loans | 0.0527% | 3,211 |
| Credit loss provision to net charge-offs | 101.7391% | 1,952 |
| Earnings coverage of net charge-offs (x) | 36.3043% | 1,130 |
| Efficiency ratio | 69.4966% | 3,738 |
| Assets per employee ($millions) | 7.3383% | 685 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,559 |
| Loan loss allowance to noncurrent loans | 155.5848% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 3,755 |
| Noncurrent loans to loans | 1.0126% | 3,209 |
| Net loans and leases to total assets | 70.3283% | 2,028 |
| Net loans and leases to deposits | 88.2181% | 1,570 |
| Net loans and leases to core deposits | 90.9284% | 2,035 |
| Total domestic deposits to total assets | 79.7209% | 5,301 |
| Equity capital to assets | 8.4780% | 5,817 |
| Core capital (leverage) ratio | 8.2076% | 5,924 |
| Tier 1 risk-based capital ratio | 10.7740% | 6,144 |
| Total risk-based capital ratio | 12.0279% | 6,087 |
| Memoranda: | ||
| Average total assets | $656,582,000 | 1,030 |
| Average earning assets | $619,474,000 | 999 |
| Average equity | $52,241,000 | 1,392 |
| Average total loans | $436,590,330 | 1,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4971% | 5,432 |
| Cost of funding earning assets | 0.2360% | 5,701 |
| Net interest margin | 3.2611% | 4,701 |
| Noninterest income to average assets | 0.8534% | 1,545 |
| Noninterest expense to average assets | 2.8464% | 3,396 |
| Loan and lease loss provision to assets | 0.0699% | 2,733 |
| Net operating income to assets | 0.7355% | 3,512 |
| Return on assets (ROA) | 0.8934% | 2,750 |
| Pretax return on assets | 1.2371% | 2,324 |
| Return on Equity (ROE) | 11.5870% | 1,522 |
| Retained earnings to average equity (ytd only) | 3.8365% | 3,827 |
| Net charge-offs to loans | 0.0354% | 2,896 |
| Credit loss provision to net charge-offs | 307.8947% | 783 |
| Earnings coverage of net charge-offs (x) | 47.8947% | 779 |
| Efficiency ratio | 72.3530% | 3,423 |
| Assets per employee ($millions) | 7.7088% | 564 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 2,406 |
| Loan loss allowance to noncurrent loans | 136.0038% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 3,736 |
| Noncurrent loans to loans | 1.2385% | 2,975 |
| Net loans and leases to total assets | 61.0897% | 3,383 |
| Net loans and leases to deposits | 79.1320% | 2,416 |
| Net loans and leases to core deposits | 81.3456% | 2,813 |
| Total domestic deposits to total assets | 77.1998% | 5,939 |
| Equity capital to assets | 7.6026% | 6,277 |
| Core capital (leverage) ratio | 8.0506% | 6,085 |
| Tier 1 risk-based capital ratio | 11.0904% | 6,118 |
| Total risk-based capital ratio | 12.3453% | 6,068 |
| Memoranda: | ||
| Average total assets | $669,327,000 | 1,017 |
| Average earning assets | $632,299,000 | 985 |
| Average equity | $51,609,500 | 1,402 |
| Average total loans | $429,415,500 | 1,030 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6153% | 5,369 |
| Cost of funding earning assets | 0.2863% | 5,698 |
| Net interest margin | 3.3289% | 4,559 |
| Noninterest income to average assets | 1.1214% | 1,119 |
| Noninterest expense to average assets | 3.1446% | 2,611 |
| Loan and lease loss provision to assets | 0.1540% | 2,350 |
| Net operating income to assets | 0.7406% | 3,606 |
| Return on assets (ROA) | 0.7269% | 3,760 |
| Pretax return on assets | 0.9686% | 3,486 |
| Return on Equity (ROE) | 9.2426% | 2,437 |
| Retained earnings to average equity (ytd only) | -0.2047% | 5,918 |
| Net charge-offs to loans | 0.2141% | 2,746 |
| Credit loss provision to net charge-offs | 108.0347% | 2,223 |
| Earnings coverage of net charge-offs (x) | 8.0022% | 2,749 |
| Efficiency ratio | 73.3781% | 3,237 |
| Assets per employee ($millions) | 6.7276% | 885 |
| Cash dividends to net income (ytd only)* | 102.2147% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 2,603 |
| Loan loss allowance to noncurrent loans | 132.2040% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 3,729 |
| Noncurrent loans to loans | 1.2420% | 3,062 |
| Net loans and leases to total assets | 65.1916% | 2,826 |
| Net loans and leases to deposits | 79.5167% | 2,518 |
| Net loans and leases to core deposits | 81.8556% | 2,911 |
| Total domestic deposits to total assets | 81.9849% | 4,881 |
| Equity capital to assets | 7.8243% | 6,129 |
| Core capital (leverage) ratio | 7.8030% | 6,241 |
| Tier 1 risk-based capital ratio | 10.8794% | 6,231 |
| Total risk-based capital ratio | 12.1339% | 6,172 |
| Memoranda: | ||
| Average total assets | $646,003,600 | 1,032 |
| Average earning assets | $614,009,000 | 992 |
| Average equity | $50,808,200 | 1,397 |
| Average total loans | $430,196,000 | 995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 5,413 |
| Cost of funding earning assets | 0.2957% | 5,769 |
| Net interest margin | 3.3141% | 4,587 |
| Noninterest income to average assets | 1.1432% | 1,120 |
| Noninterest expense to average assets | 3.1516% | 2,499 |
| Loan and lease loss provision to assets | 0.2048% | 1,771 |
| Net operating income to assets | 0.7055% | 3,828 |
| Return on assets (ROA) | 0.7209% | 3,884 |
| Pretax return on assets | 0.9634% | 3,634 |
| Return on Equity (ROE) | 9.1540% | 2,568 |
| Retained earnings to average equity (ytd only) | -0.3048% | 6,003 |
| Net charge-offs to loans | 0.2365% | 2,386 |
| Credit loss provision to net charge-offs | 129.9213% | 1,819 |
| Earnings coverage of net charge-offs (x) | 7.2796% | 2,816 |
| Efficiency ratio | 73.3035% | 3,174 |
| Assets per employee ($millions) | 6.1518% | 1,134 |
| Cash dividends to net income (ytd only)* | 103.3294% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,709 |
| Loan loss allowance to noncurrent loans | 127.5171% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 3,691 |
| Noncurrent loans to loans | 1.3140% | 3,217 |
| Net loans and leases to total assets | 65.9270% | 2,654 |
| Net loans and leases to deposits | 80.2341% | 2,378 |
| Net loans and leases to core deposits | 82.6134% | 2,818 |
| Total domestic deposits to total assets | 82.1683% | 4,869 |
| Equity capital to assets | 7.7647% | 6,275 |
| Core capital (leverage) ratio | 7.8772% | 6,290 |
| Tier 1 risk-based capital ratio | 11.1660% | 6,210 |
| Total risk-based capital ratio | 12.4214% | 6,176 |
| Memoranda: | ||
| Average total assets | $644,361,250 | 1,045 |
| Average earning assets | $613,643,000 | 1,001 |
| Average equity | $50,745,500 | 1,406 |
| Average total loans | $429,613,750 | 996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 5,485 |
| Cost of funding earning assets | 0.3048% | 5,796 |
| Net interest margin | 3.2799% | 4,656 |
| Noninterest income to average assets | 1.1615% | 1,129 |
| Noninterest expense to average assets | 3.1340% | 2,568 |
| Loan and lease loss provision to assets | 0.2050% | 1,845 |
| Net operating income to assets | 0.7102% | 3,756 |
| Return on assets (ROA) | 0.7114% | 3,922 |
| Pretax return on assets | 0.9524% | 3,710 |
| Return on Equity (ROE) | 8.9906% | 2,609 |
| Retained earnings to average equity (ytd only) | -0.4319% | 5,943 |
| Net charge-offs to loans | 0.3123% | 1,931 |
| Credit loss provision to net charge-offs | 98.6547% | 2,273 |
| Earnings coverage of net charge-offs (x) | 5.5620% | 2,869 |
| Efficiency ratio | 73.0558% | 3,297 |
| Assets per employee ($millions) | 6.0607% | 1,163 |
| Cash dividends to net income (ytd only)* | 104.8035% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,033 |
| Loan loss allowance to noncurrent loans | 112.4640% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 3,562 |
| Noncurrent loans to loans | 1.4521% | 3,125 |
| Net loans and leases to total assets | 67.7341% | 2,299 |
| Net loans and leases to deposits | 81.8335% | 2,079 |
| Net loans and leases to core deposits | 84.8778% | 2,444 |
| Total domestic deposits to total assets | 82.7706% | 4,792 |
| Equity capital to assets | 8.0490% | 6,168 |
| Core capital (leverage) ratio | 7.9460% | 6,222 |
| Tier 1 risk-based capital ratio | 11.2992% | 6,205 |
| Total risk-based capital ratio | 12.5542% | 6,166 |
| Memoranda: | ||
| Average total assets | $643,837,000 | 1,044 |
| Average earning assets | $614,099,000 | 1,003 |
| Average equity | $50,942,330 | 1,404 |
| Average total loans | $428,451,000 | 990 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 5,521 |
| Cost of funding earning assets | 0.3114% | 5,879 |
| Net interest margin | 3.2620% | 4,673 |
| Noninterest income to average assets | 1.1927% | 1,059 |
| Noninterest expense to average assets | 3.1137% | 2,631 |
| Loan and lease loss provision to assets | 0.2019% | 1,838 |
| Net operating income to assets | 0.7313% | 3,534 |
| Return on assets (ROA) | 0.7313% | 3,671 |
| Pretax return on assets | 0.9859% | 3,422 |
| Return on Equity (ROE) | 9.3195% | 2,341 |
| Retained earnings to average equity (ytd only) | -0.0390% | 5,779 |
| Net charge-offs to loans | 0.0271% | 3,650 |
| Credit loss provision to net charge-offs | 1,137.9310% | 280 |
| Earnings coverage of net charge-offs (x) | 66.9310% | 539 |
| Efficiency ratio | 72.3858% | 3,541 |
| Assets per employee ($millions) | 6.5804% | 952 |
| Cash dividends to net income (ytd only)* | 100.4184% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,746 |
| Loan loss allowance to noncurrent loans | 110.3583% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 3,704 |
| Noncurrent loans to loans | 1.6021% | 3,140 |
| Net loans and leases to total assets | 62.5131% | 2,965 |
| Net loans and leases to deposits | 75.3790% | 2,721 |
| Net loans and leases to core deposits | 78.0152% | 3,061 |
| Total domestic deposits to total assets | 82.9317% | 4,876 |
| Equity capital to assets | 7.8548% | 6,450 |
| Core capital (leverage) ratio | 7.9295% | 6,200 |
| Tier 1 risk-based capital ratio | 11.7620% | 6,055 |
| Total risk-based capital ratio | 13.0188% | 6,025 |
| Memoranda: | ||
| Average total assets | $653,628,500 | 1,037 |
| Average earning assets | $622,933,000 | 1,001 |
| Average equity | $51,290,500 | 1,413 |
| Average total loans | $427,750,000 | 998 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 4,909 |
| Cost of funding earning assets | 0.4098% | 5,848 |
| Net interest margin | 3.7007% | 3,641 |
| Noninterest income to average assets | 1.1871% | 1,114 |
| Noninterest expense to average assets | 3.1353% | 2,828 |
| Loan and lease loss provision to assets | 0.0896% | 4,577 |
| Net operating income to assets | 1.0315% | 2,204 |
| Return on assets (ROA) | 1.0926% | 2,145 |
| Pretax return on assets | 1.5749% | 1,452 |
| Return on Equity (ROE) | 12.4342% | 1,377 |
| Retained earnings to average equity (ytd only) | -9.4442% | 6,619 |
| Net charge-offs to loans | 0.1125% | 4,548 |
| Credit loss provision to net charge-offs | 118.9362% | 2,415 |
| Earnings coverage of net charge-offs (x) | 20.9319% | 1,327 |
| Efficiency ratio | 66.5477% | 4,403 |
| Assets per employee ($millions) | 6.5580% | 977 |
| Cash dividends to net income (ytd only)* | 175.9531% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,352 |
| Loan loss allowance to noncurrent loans | 98.9721% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1918% | 3,672 |
| Noncurrent loans to loans | 1.6107% | 3,207 |
| Net loans and leases to total assets | 66.1628% | 2,504 |
| Net loans and leases to deposits | 79.6174% | 2,341 |
| Net loans and leases to core deposits | 82.5052% | 2,717 |
| Total domestic deposits to total assets | 83.1009% | 4,676 |
| Equity capital to assets | 7.8393% | 6,485 |
| Core capital (leverage) ratio | 8.0383% | 6,157 |
| Tier 1 risk-based capital ratio | 11.2991% | 6,214 |
| Total risk-based capital ratio | 12.5542% | 6,180 |
| Memoranda: | ||
| Average total assets | $624,222,600 | 1,058 |
| Average earning assets | $594,457,600 | 1,016 |
| Average equity | $54,848,600 | 1,303 |
| Average total loans | $417,751,200 | 1,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 4,845 |
| Cost of funding earning assets | 0.4256% | 5,956 |
| Net interest margin | 3.7669% | 3,481 |
| Noninterest income to average assets | 1.1831% | 1,081 |
| Noninterest expense to average assets | 3.1816% | 2,626 |
| Loan and lease loss provision to assets | 0.0405% | 5,270 |
| Net operating income to assets | 1.0702% | 2,211 |
| Return on assets (ROA) | 1.1526% | 2,089 |
| Pretax return on assets | 1.6748% | 1,344 |
| Return on Equity (ROE) | 12.7518% | 1,396 |
| Retained earnings to average equity (ytd only) | -8.7884% | 6,777 |
| Net charge-offs to loans | 0.0757% | 4,650 |
| Credit loss provision to net charge-offs | 79.9145% | 3,620 |
| Earnings coverage of net charge-offs (x) | 31.5259% | 1,060 |
| Efficiency ratio | 66.5957% | 4,334 |
| Assets per employee ($millions) | 6.3822% | 1,011 |
| Cash dividends to net income (ytd only)* | 168.9190% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 3,364 |
| Loan loss allowance to noncurrent loans | 92.9236% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 3,849 |
| Noncurrent loans to loans | 1.7675% | 3,131 |
| Net loans and leases to total assets | 66.6890% | 2,523 |
| Net loans and leases to deposits | 81.5039% | 2,184 |
| Net loans and leases to core deposits | 84.7440% | 2,614 |
| Total domestic deposits to total assets | 81.8230% | 5,086 |
| Equity capital to assets | 8.7101% | 6,094 |
| Core capital (leverage) ratio | 8.4389% | 5,838 |
| Tier 1 risk-based capital ratio | 12.0979% | 5,889 |
| Total risk-based capital ratio | 13.3536% | 5,862 |
| Memoranda: | ||
| Average total assets | $616,328,750 | 1,082 |
| Average earning assets | $588,083,500 | 1,029 |
| Average equity | $55,708,250 | 1,285 |
| Average total loans | $411,958,250 | 1,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 4,768 |
| Cost of funding earning assets | 0.4375% | 6,053 |
| Net interest margin | 3.8103% | 3,313 |
| Noninterest income to average assets | 1.1495% | 1,078 |
| Noninterest expense to average assets | 3.1488% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1126% | 2,002 |
| Return on assets (ROA) | 1.2346% | 1,786 |
| Pretax return on assets | 1.8111% | 1,021 |
| Return on Equity (ROE) | 13.4947% | 1,238 |
| Retained earnings to average equity (ytd only) | -7.8183% | 6,757 |
| Net charge-offs to loans | 0.0161% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 152.1515% | 295 |
| Efficiency ratio | 65.8668% | 4,556 |
| Assets per employee ($millions) | 6.3883% | 1,015 |
| Cash dividends to net income (ytd only)* | 157.9363% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 3,378 |
| Loan loss allowance to noncurrent loans | 103.6465% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1932% | 4,025 |
| Noncurrent loans to loans | 1.6058% | 3,499 |
| Net loans and leases to total assets | 65.8546% | 2,702 |
| Net loans and leases to deposits | 80.0823% | 2,368 |
| Net loans and leases to core deposits | 83.3581% | 2,775 |
| Total domestic deposits to total assets | 82.2337% | 5,041 |
| Equity capital to assets | 8.9070% | 5,798 |
| Core capital (leverage) ratio | 8.9390% | 4,997 |
| Tier 1 risk-based capital ratio | 12.4913% | 5,569 |
| Total risk-based capital ratio | 13.7469% | 5,549 |
| Memoranda: | ||
| Average total assets | $615,413,670 | 1,082 |
| Average earning assets | $586,469,000 | 1,027 |
| Average equity | $56,303,670 | 1,262 |
| Average total loans | $409,361,670 | 1,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 4,794 |
| Cost of funding earning assets | 0.4494% | 6,147 |
| Net interest margin | 3.8367% | 3,207 |
| Noninterest income to average assets | 1.0775% | 1,242 |
| Noninterest expense to average assets | 3.1287% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0831% | 2,159 |
| Return on assets (ROA) | 1.3279% | 1,540 |
| Pretax return on assets | 1.9619% | 793 |
| Return on Equity (ROE) | 14.3232% | 1,120 |
| Retained earnings to average equity (ytd only) | -6.7817% | 6,710 |
| Net charge-offs to loans | 0.0039% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 38 |
| Efficiency ratio | 66.1381% | 4,535 |
| Assets per employee ($millions) | 6.4057% | 1,034 |
| Cash dividends to net income (ytd only)* | 147.3477% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 3,306 |
| Loan loss allowance to noncurrent loans | 111.9955% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 3,978 |
| Noncurrent loans to loans | 1.5271% | 3,827 |
| Net loans and leases to total assets | 66.2110% | 2,429 |
| Net loans and leases to deposits | 78.2143% | 2,467 |
| Net loans and leases to core deposits | 81.3185% | 2,915 |
| Total domestic deposits to total assets | 84.6533% | 4,185 |
| Equity capital to assets | 9.3183% | 5,068 |
| Core capital (leverage) ratio | 9.2569% | 4,434 |
| Tier 1 risk-based capital ratio | 13.1191% | 5,118 |
| Total risk-based capital ratio | 14.3755% | 5,087 |
| Memoranda: | ||
| Average total assets | $613,289,500 | 1,086 |
| Average earning assets | $583,935,000 | 1,033 |
| Average equity | $56,859,000 | 1,248 |
| Average total loans | $406,551,000 | 1,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 4,686 |
| Cost of funding earning assets | 0.5863% | 6,156 |
| Net interest margin | 4.0128% | 2,823 |
| Noninterest income to average assets | 0.9252% | 1,586 |
| Noninterest expense to average assets | 2.9597% | 3,743 |
| Loan and lease loss provision to assets | -0.0050% | 7,211 |
| Net operating income to assets | 1.2373% | 1,412 |
| Return on assets (ROA) | 1.2612% | 1,445 |
| Pretax return on assets | 1.8223% | 772 |
| Return on Equity (ROE) | 13.2377% | 1,113 |
| Retained earnings to average equity (ytd only) | -0.6583% | 5,957 |
| Net charge-offs to loans | 0.2115% | 4,464 |
| Credit loss provision to net charge-offs | -3.4404% | 6,599 |
| Earnings coverage of net charge-offs (x) | 12.3544% | 1,630 |
| Efficiency ratio | 62.4084% | 5,393 |
| Assets per employee ($millions) | 6.7144% | 853 |
| Cash dividends to net income (ytd only)* | 104.9731% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 3,185 |
| Loan loss allowance to noncurrent loans | 96.0958% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 4,106 |
| Noncurrent loans to loans | 1.7726% | 3,502 |
| Net loans and leases to total assets | 64.1442% | 3,161 |
| Net loans and leases to deposits | 77.6953% | 2,889 |
| Net loans and leases to core deposits | 80.5110% | 3,385 |
| Total domestic deposits to total assets | 82.5587% | 4,945 |
| Equity capital to assets | 9.2257% | 5,246 |
| Core capital (leverage) ratio | 9.0837% | 4,647 |
| Tier 1 risk-based capital ratio | 13.4588% | 4,728 |
| Total risk-based capital ratio | 14.7153% | 4,690 |
| Memoranda: | ||
| Average total assets | $604,284,400 | 1,084 |
| Average earning assets | $574,834,800 | 1,029 |
| Average equity | $57,570,600 | 1,181 |
| Average total loans | $412,379,400 | 1,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 4,489 |
| Cost of funding earning assets | 0.6190% | 6,193 |
| Net interest margin | 4.0751% | 2,575 |
| Noninterest income to average assets | 0.9761% | 1,406 |
| Noninterest expense to average assets | 2.9585% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3039% | 1,365 |
| Return on assets (ROA) | 1.3138% | 1,428 |
| Pretax return on assets | 1.9090% | 764 |
| Return on Equity (ROE) | 13.6779% | 1,115 |
| Retained earnings to average equity (ytd only) | -0.2200% | 6,012 |
| Net charge-offs to loans | 0.0461% | 5,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 59.5461% | 558 |
| Efficiency ratio | 60.9619% | 5,566 |
| Assets per employee ($millions) | 6.6445% | 879 |
| Cash dividends to net income (ytd only)* | 101.6088% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 2,710 |
| Loan loss allowance to noncurrent loans | 152.3046% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 4,708 |
| Noncurrent loans to loans | 1.2294% | 4,484 |
| Net loans and leases to total assets | 66.0054% | 2,897 |
| Net loans and leases to deposits | 81.7019% | 2,416 |
| Net loans and leases to core deposits | 84.8151% | 2,940 |
| Total domestic deposits to total assets | 80.7881% | 5,504 |
| Equity capital to assets | 9.5687% | 4,982 |
| Core capital (leverage) ratio | 9.3864% | 4,328 |
| Tier 1 risk-based capital ratio | 13.3460% | 4,841 |
| Total risk-based capital ratio | 14.6044% | 4,807 |
| Memoranda: | ||
| Average total assets | $599,244,750 | 1,103 |
| Average earning assets | $570,117,000 | 1,045 |
| Average equity | $57,561,000 | 1,180 |
| Average total loans | $413,603,000 | 1,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 4,349 |
| Cost of funding earning assets | 0.6531% | 6,211 |
| Net interest margin | 4.0869% | 2,456 |
| Noninterest income to average assets | 1.0010% | 1,315 |
| Noninterest expense to average assets | 2.9747% | 3,735 |
| Loan and lease loss provision to assets | 0.1804% | 4,112 |
| Net operating income to assets | 1.2047% | 1,556 |
| Return on assets (ROA) | 1.2200% | 1,589 |
| Pretax return on assets | 1.7553% | 952 |
| Return on Equity (ROE) | 12.6846% | 1,280 |
| Retained earnings to average equity (ytd only) | -1.2891% | 6,115 |
| Net charge-offs to loans | -0.0989% | 7,165 |
| Credit loss provision to net charge-offs | -261.9512% | 6,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8495% | 5,752 |
| Assets per employee ($millions) | 6.3461% | 999 |
| Cash dividends to net income (ytd only)* | 110.1625% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0812% | 2,161 |
| Loan loss allowance to noncurrent loans | 160.6174% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 4,932 |
| Noncurrent loans to loans | 1.2958% | 4,489 |
| Net loans and leases to total assets | 69.1809% | 2,378 |
| Net loans and leases to deposits | 86.0611% | 1,786 |
| Net loans and leases to core deposits | 89.5468% | 2,435 |
| Total domestic deposits to total assets | 80.3857% | 5,718 |
| Equity capital to assets | 9.8711% | 4,310 |
| Core capital (leverage) ratio | 9.4675% | 4,000 |
| Tier 1 risk-based capital ratio | 13.1730% | 4,786 |
| Total risk-based capital ratio | 14.4338% | 4,760 |
| Memoranda: | ||
| Average total assets | $595,227,330 | 1,117 |
| Average earning assets | $566,199,000 | 1,065 |
| Average equity | $57,250,330 | 1,172 |
| Average total loans | $414,408,000 | 1,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 4,428 |
| Cost of funding earning assets | 0.6787% | 6,255 |
| Net interest margin | 4.0417% | 2,507 |
| Noninterest income to average assets | 1.0184% | 1,273 |
| Noninterest expense to average assets | 2.9741% | 3,750 |
| Loan and lease loss provision to assets | 0.3581% | 2,409 |
| Net operating income to assets | 1.0837% | 1,895 |
| Return on assets (ROA) | 1.0837% | 1,944 |
| Pretax return on assets | 1.5310% | 1,358 |
| Return on Equity (ROE) | 11.4126% | 1,619 |
| Retained earnings to average equity (ytd only) | -2.6078% | 6,238 |
| Net charge-offs to loans | -0.2668% | 7,319 |
| Credit loss provision to net charge-offs | -194.2238% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1552% | 5,812 |
| Assets per employee ($millions) | 6.3396% | 1,012 |
| Cash dividends to net income (ytd only)* | 122.8501% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1097% | 2,166 |
| Loan loss allowance to noncurrent loans | 143.6680% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 4,707 |
| Noncurrent loans to loans | 1.4684% | 4,266 |
| Net loans and leases to total assets | 68.1232% | 2,522 |
| Net loans and leases to deposits | 85.0265% | 1,872 |
| Net loans and leases to core deposits | 88.3989% | 2,547 |
| Total domestic deposits to total assets | 80.1200% | 5,913 |
| Equity capital to assets | 9.6388% | 4,268 |
| Core capital (leverage) ratio | 9.4895% | 3,825 |
| Tier 1 risk-based capital ratio | 12.8533% | 4,942 |
| Total risk-based capital ratio | 14.1138% | 4,907 |
| Memoranda: | ||
| Average total assets | $600,918,500 | 1,115 |
| Average earning assets | $571,643,500 | 1,064 |
| Average equity | $57,059,500 | 1,168 |
| Average total loans | $415,365,000 | 1,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 4,935 |
| Cost of funding earning assets | 0.9150% | 6,104 |
| Net interest margin | 4.0007% | 3,018 |
| Noninterest income to average assets | 0.9688% | 1,612 |
| Noninterest expense to average assets | 3.0960% | 3,471 |
| Loan and lease loss provision to assets | 0.3676% | 3,915 |
| Net operating income to assets | 0.9327% | 2,268 |
| Return on assets (ROA) | 1.0403% | 2,009 |
| Pretax return on assets | 1.4535% | 1,501 |
| Return on Equity (ROE) | 10.6999% | 1,688 |
| Retained earnings to average equity (ytd only) | -0.2943% | 5,667 |
| Net charge-offs to loans | 0.6306% | 3,132 |
| Credit loss provision to net charge-offs | 78.9474% | 5,590 |
| Earnings coverage of net charge-offs (x) | 3.5903% | 3,295 |
| Efficiency ratio | 64.8603% | 5,191 |
| Assets per employee ($millions) | 6.1844% | 1,092 |
| Cash dividends to net income (ytd only)* | 102.7506% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 2,652 |
| Loan loss allowance to noncurrent loans | 117.3926% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 4,501 |
| Noncurrent loans to loans | 1.5891% | 4,115 |
| Net loans and leases to total assets | 67.3884% | 3,127 |
| Net loans and leases to deposits | 86.8405% | 1,962 |
| Net loans and leases to core deposits | 90.2814% | 2,728 |
| Total domestic deposits to total assets | 77.6001% | 6,380 |
| Equity capital to assets | 9.3572% | 4,606 |
| Core capital (leverage) ratio | 9.4198% | 3,817 |
| Tier 1 risk-based capital ratio | 12.6313% | 4,915 |
| Total risk-based capital ratio | 13.8889% | 4,888 |
| Memoranda: | ||
| Average total assets | $608,067,200 | 1,098 |
| Average earning assets | $577,372,800 | 1,042 |
| Average equity | $59,122,000 | 1,125 |
| Average total loans | $448,929,000 | 1,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 4,879 |
| Cost of funding earning assets | 0.9748% | 6,063 |
| Net interest margin | 4.0130% | 3,041 |
| Noninterest income to average assets | 0.9113% | 1,756 |
| Noninterest expense to average assets | 3.0691% | 3,486 |
| Loan and lease loss provision to assets | 0.4657% | 3,142 |
| Net operating income to assets | 0.8548% | 2,797 |
| Return on assets (ROA) | 0.9985% | 2,357 |
| Pretax return on assets | 1.3840% | 1,931 |
| Return on Equity (ROE) | 10.1732% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.8164% | 1,934 |
| Net charge-offs to loans | 0.6192% | 2,888 |
| Credit loss provision to net charge-offs | 100.0944% | 4,304 |
| Earnings coverage of net charge-offs (x) | 3.5467% | 3,403 |
| Efficiency ratio | 64.9290% | 5,066 |
| Assets per employee ($millions) | 5.7153% | 1,451 |
| Cash dividends to net income (ytd only)* | 32.9961% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 2,458 |
| Loan loss allowance to noncurrent loans | 129.6222% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 4,739 |
| Noncurrent loans to loans | 1.4727% | 4,419 |
| Net loans and leases to total assets | 72.2771% | 2,195 |
| Net loans and leases to deposits | 92.3658% | 1,400 |
| Net loans and leases to core deposits | 96.1951% | 2,235 |
| Total domestic deposits to total assets | 78.2509% | 6,208 |
| Equity capital to assets | 10.1601% | 3,934 |
| Core capital (leverage) ratio | 9.8949% | 3,362 |
| Tier 1 risk-based capital ratio | 13.1544% | 4,453 |
| Total risk-based capital ratio | 14.4135% | 4,429 |
| Memoranda: | ||
| Average total assets | $607,020,500 | 1,107 |
| Average earning assets | $575,985,250 | 1,056 |
| Average equity | $59,580,000 | 1,117 |
| Average total loans | $456,053,500 | 994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 4,793 |
| Cost of funding earning assets | 1.0004% | 6,139 |
| Net interest margin | 4.0309% | 2,877 |
| Noninterest income to average assets | 0.8426% | 1,910 |
| Noninterest expense to average assets | 3.0581% | 3,480 |
| Loan and lease loss provision to assets | 0.7776% | 1,853 |
| Net operating income to assets | 0.6191% | 3,788 |
| Return on assets (ROA) | 0.8429% | 2,919 |
| Pretax return on assets | 1.1271% | 2,684 |
| Return on Equity (ROE) | 8.6880% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.6880% | 1,203 |
| Net charge-offs to loans | 0.5353% | 2,924 |
| Credit loss provision to net charge-offs | 192.1330% | 2,049 |
| Earnings coverage of net charge-offs (x) | 3.9692% | 3,108 |
| Efficiency ratio | 65.4000% | 5,079 |
| Assets per employee ($millions) | 5.4592% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 1,937 |
| Loan loss allowance to noncurrent loans | 196.6523% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 5,091 |
| Noncurrent loans to loans | 1.0760% | 5,163 |
| Net loans and leases to total assets | 73.7628% | 1,963 |
| Net loans and leases to deposits | 92.6211% | 1,440 |
| Net loans and leases to core deposits | 98.7236% | 2,150 |
| Total domestic deposits to total assets | 79.6393% | 5,843 |
| Equity capital to assets | 10.0806% | 3,909 |
| Core capital (leverage) ratio | 9.8015% | 3,400 |
| Tier 1 risk-based capital ratio | 12.8183% | 4,589 |
| Total risk-based capital ratio | 14.0800% | 4,541 |
| Memoranda: | ||
| Average total assets | $609,326,000 | 1,107 |
| Average earning assets | $577,740,330 | 1,059 |
| Average equity | $59,116,330 | 1,118 |
| Average total loans | $460,678,330 | 992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 4,788 |
| Cost of funding earning assets | 1.0177% | 6,292 |
| Net interest margin | 4.0315% | 2,737 |
| Noninterest income to average assets | 0.8838% | 1,690 |
| Noninterest expense to average assets | 3.0287% | 3,568 |
| Loan and lease loss provision to assets | 0.8512% | 1,492 |
| Net operating income to assets | 0.6149% | 3,836 |
| Return on assets (ROA) | 0.8512% | 2,842 |
| Pretax return on assets | 1.1445% | 2,573 |
| Return on Equity (ROE) | 8.9441% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.9441% | 1,412 |
| Net charge-offs to loans | 0.7221% | 2,058 |
| Credit loss provision to net charge-offs | 155.6615% | 2,297 |
| Earnings coverage of net charge-offs (x) | 3.0656% | 3,029 |
| Efficiency ratio | 64.2194% | 5,452 |
| Assets per employee ($millions) | 5.4544% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,332 |
| Loan loss allowance to noncurrent loans | 125.3307% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 4,489 |
| Noncurrent loans to loans | 1.5496% | 4,420 |
| Net loans and leases to total assets | 73.6082% | 2,055 |
| Net loans and leases to deposits | 92.3485% | 1,563 |
| Net loans and leases to core deposits | 98.4538% | 2,300 |
| Total domestic deposits to total assets | 79.7070% | 5,883 |
| Equity capital to assets | 9.6687% | 4,274 |
| Core capital (leverage) ratio | 9.6566% | 3,571 |
| Tier 1 risk-based capital ratio | 12.0812% | 5,105 |
| Total risk-based capital ratio | 13.3402% | 5,066 |
| Memoranda: | ||
| Average total assets | $613,734,000 | 1,118 |
| Average earning assets | $581,719,000 | 1,075 |
| Average equity | $58,407,000 | 1,141 |
| Average total loans | $464,753,500 | 1,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 4,202 |
| Cost of funding earning assets | 1.3957% | 5,947 |
| Net interest margin | 4.0931% | 2,488 |
| Noninterest income to average assets | 1.1699% | 1,121 |
| Noninterest expense to average assets | 3.1621% | 3,502 |
| Loan and lease loss provision to assets | 1.0935% | 2,087 |
| Net operating income to assets | 0.6507% | 3,133 |
| Return on assets (ROA) | 0.6870% | 3,053 |
| Pretax return on assets | 0.8491% | 3,090 |
| Return on Equity (ROE) | 7.9917% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.9917% | 703 |
| Net charge-offs to loans | 1.0703% | 2,275 |
| Credit loss provision to net charge-offs | 127.4154% | 4,065 |
| Earnings coverage of net charge-offs (x) | 2.2114% | 4,063 |
| Efficiency ratio | 62.3461% | 6,089 |
| Assets per employee ($millions) | 5.5052% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,570 |
| Loan loss allowance to noncurrent loans | 104.7022% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 4,323 |
| Noncurrent loans to loans | 1.7115% | 4,070 |
| Net loans and leases to total assets | 75.0103% | 2,031 |
| Net loans and leases to deposits | 94.2736% | 1,560 |
| Net loans and leases to core deposits | 105.4923% | 3,394 |
| Total domestic deposits to total assets | 79.5665% | 5,827 |
| Equity capital to assets | 9.3661% | 4,613 |
| Core capital (leverage) ratio | 9.3071% | 3,963 |
| Tier 1 risk-based capital ratio | 11.4661% | 5,432 |
| Total risk-based capital ratio | 12.7232% | 5,386 |
| Memoranda: | ||
| Average total assets | $616,296,800 | 1,122 |
| Average earning assets | $585,723,600 | 1,075 |
| Average equity | $52,980,000 | 1,248 |
| Average total loans | $494,140,400 | 975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 4,224 |
| Cost of funding earning assets | 1.4558% | 6,019 |
| Net interest margin | 4.0825% | 2,470 |
| Noninterest income to average assets | 1.1974% | 1,079 |
| Noninterest expense to average assets | 3.1511% | 3,455 |
| Loan and lease loss provision to assets | 0.9925% | 1,933 |
| Net operating income to assets | 0.7317% | 3,088 |
| Return on assets (ROA) | 0.7783% | 2,960 |
| Pretax return on assets | 1.0029% | 2,898 |
| Return on Equity (ROE) | 9.2606% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.2606% | 781 |
| Net charge-offs to loans | 0.9590% | 2,059 |
| Credit loss provision to net charge-offs | 127.5584% | 3,936 |
| Earnings coverage of net charge-offs (x) | 2.4878% | 3,988 |
| Efficiency ratio | 61.8035% | 6,152 |
| Assets per employee ($millions) | 5.1480% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,862 |
| Loan loss allowance to noncurrent loans | 113.8354% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 4,631 |
| Noncurrent loans to loans | 1.4363% | 4,516 |
| Net loans and leases to total assets | 79.7149% | 1,231 |
| Net loans and leases to deposits | 99.5158% | 1,153 |
| Net loans and leases to core deposits | 113.5539% | 2,878 |
| Total domestic deposits to total assets | 80.1027% | 5,397 |
| Equity capital to assets | 8.9774% | 5,516 |
| Core capital (leverage) ratio | 8.7449% | 5,054 |
| Tier 1 risk-based capital ratio | 10.4385% | 6,538 |
| Total risk-based capital ratio | 11.6937% | 6,479 |
| Memoranda: | ||
| Average total assets | $616,226,750 | 1,140 |
| Average earning assets | $587,079,000 | 1,092 |
| Average equity | $51,787,750 | 1,303 |
| Average total loans | $499,941,750 | 976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 4,647 |
| Cost of funding earning assets | 1.5072% | 6,113 |
| Net interest margin | 3.9909% | 2,734 |
| Noninterest income to average assets | 1.2383% | 1,006 |
| Noninterest expense to average assets | 3.1759% | 3,411 |
| Loan and lease loss provision to assets | 1.0711% | 1,595 |
| Net operating income to assets | 0.6308% | 3,547 |
| Return on assets (ROA) | 0.7019% | 3,353 |
| Pretax return on assets | 0.8768% | 3,416 |
| Return on Equity (ROE) | 8.5407% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.5407% | 1,059 |
| Net charge-offs to loans | 1.1078% | 1,635 |
| Credit loss provision to net charge-offs | 119.1329% | 3,900 |
| Earnings coverage of net charge-offs (x) | 2.0677% | 4,044 |
| Efficiency ratio | 62.9303% | 6,094 |
| Assets per employee ($millions) | 5.1780% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 3,258 |
| Loan loss allowance to noncurrent loans | 104.7188% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 4,553 |
| Noncurrent loans to loans | 1.4214% | 4,368 |
| Net loans and leases to total assets | 80.1275% | 1,296 |
| Net loans and leases to deposits | 105.3763% | 802 |
| Net loans and leases to core deposits | 122.5490% | 2,150 |
| Total domestic deposits to total assets | 76.0393% | 6,541 |
| Equity capital to assets | 8.3765% | 6,234 |
| Core capital (leverage) ratio | 8.3501% | 5,712 |
| Tier 1 risk-based capital ratio | 9.8228% | 7,109 |
| Total risk-based capital ratio | 11.0762% | 7,048 |
| Memoranda: | ||
| Average total assets | $620,864,670 | 1,149 |
| Average earning assets | $590,638,670 | 1,102 |
| Average equity | $51,026,330 | 1,341 |
| Average total loans | $503,884,330 | 988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4800% | 5,014 |
| Cost of funding earning assets | 1.5403% | 6,277 |
| Net interest margin | 3.9397% | 2,885 |
| Noninterest income to average assets | 1.2600% | 899 |
| Noninterest expense to average assets | 3.0892% | 3,415 |
| Loan and lease loss provision to assets | 1.2001% | 1,080 |
| Net operating income to assets | 0.5736% | 4,127 |
| Return on assets (ROA) | 0.7141% | 3,681 |
| Pretax return on assets | 0.8991% | 3,716 |
| Return on Equity (ROE) | 8.7735% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.7735% | 1,545 |
| Net charge-offs to loans | 1.1671% | 1,180 |
| Credit loss provision to net charge-offs | 126.8392% | 3,144 |
| Earnings coverage of net charge-offs (x) | 2.0307% | 3,704 |
| Efficiency ratio | 61.5127% | 6,151 |
| Assets per employee ($millions) | 5.3269% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,149 |
| Loan loss allowance to noncurrent loans | 98.2304% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 4,165 |
| Noncurrent loans to loans | 1.4952% | 4,049 |
| Net loans and leases to total assets | 80.1522% | 1,354 |
| Net loans and leases to deposits | 106.7393% | 813 |
| Net loans and leases to core deposits | 123.3217% | 2,133 |
| Total domestic deposits to total assets | 75.0915% | 6,692 |
| Equity capital to assets | 8.2981% | 6,397 |
| Core capital (leverage) ratio | 8.1119% | 6,268 |
| Tier 1 risk-based capital ratio | 9.5898% | 7,352 |
| Total risk-based capital ratio | 10.8427% | 7,281 |
| Memoranda: | ||
| Average total assets | $620,617,000 | 1,143 |
| Average earning assets | $590,799,000 | 1,099 |
| Average equity | $50,515,500 | 1,360 |
| Average total loans | $503,125,000 | 994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 3,771 |
| Cost of funding earning assets | 2.2490% | 5,372 |
| Net interest margin | 4.0835% | 2,782 |
| Noninterest income to average assets | 1.0009% | 1,577 |
| Noninterest expense to average assets | 2.8284% | 4,701 |
| Loan and lease loss provision to assets | 0.6443% | 2,258 |
| Net operating income to assets | 1.0275% | 2,440 |
| Return on assets (ROA) | 1.0275% | 2,329 |
| Pretax return on assets | 1.3820% | 2,020 |
| Return on Equity (ROE) | 12.6997% | 1,408 |
| Retained earnings to average equity (ytd only) | 1.6144% | 4,244 |
| Net charge-offs to loans | 0.2835% | 3,511 |
| Credit loss provision to net charge-offs | 284.0403% | 1,601 |
| Earnings coverage of net charge-offs (x) | 8.9331% | 2,790 |
| Efficiency ratio | 58.1069% | 6,679 |
| Assets per employee ($millions) | 5.2823% | 1,655 |
| Cash dividends to net income (ytd only)* | 87.2877% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 3,270 |
| Loan loss allowance to noncurrent loans | 215.1786% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 5,581 |
| Noncurrent loans to loans | 0.6450% | 5,434 |
| Net loans and leases to total assets | 79.6712% | 1,734 |
| Net loans and leases to deposits | 108.1166% | 965 |
| Net loans and leases to core deposits | 122.6162% | 2,436 |
| Total domestic deposits to total assets | 73.6901% | 6,702 |
| Equity capital to assets | 7.9824% | 6,871 |
| Core capital (leverage) ratio | 8.0428% | 6,420 |
| Tier 1 risk-based capital ratio | 9.3164% | 7,503 |
| Total risk-based capital ratio | 10.5684% | 7,427 |
| Memoranda: | ||
| Average total assets | $613,240,800 | 1,102 |
| Average earning assets | $578,749,000 | 1,066 |
| Average equity | $49,615,200 | 1,371 |
| Average total loans | $490,720,200 | 972 |