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 | 4.2337% | 2,872 |
| Cost of funding earning assets | 0.2436% | 5,468 |
| Net interest margin | 3.9901% | 1,914 |
| Noninterest income to average assets | 0.8749% | 1,604 |
| Noninterest expense to average assets | 2.7196% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3398% | 1,267 |
| Return on assets (ROA) | 1.3564% | 1,283 |
| Pretax return on assets | 1.9337% | 662 |
| Return on Equity (ROE) | 13.8211% | 1,023 |
| Retained earnings to average equity (ytd only) | 8.2675% | 1,235 |
| Net charge-offs to loans | -0.0541% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7427% | 5,344 |
| Assets per employee ($millions) | 8.8959% | 355 |
| Cash dividends to net income (ytd only)* | 40.1822% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 1,663 |
| Loan loss allowance to noncurrent loans | 216.5514% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,586 |
| Noncurrent loans to loans | 0.8377% | 3,480 |
| Net loans and leases to total assets | 74.3609% | 1,463 |
| Net loans and leases to deposits | 110.3593% | 211 |
| Net loans and leases to core deposits | 112.4015% | 643 |
| Total domestic deposits to total assets | 67.3807% | 6,369 |
| Equity capital to assets | 10.3051% | 3,779 |
| Core capital (leverage) ratio | 9.6182% | 4,210 |
| Tier 1 risk-based capital ratio | 12.0245% | 5,467 |
| Total risk-based capital ratio | 13.2813% | 5,377 |
| Memoranda: | ||
| Average total assets | $366,950,500 | 1,783 |
| Average earning assets | $345,313,500 | 1,744 |
| Average equity | $36,011,750 | 1,957 |
| Average total loans | $276,272,250 | 1,551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,981 |
| Cost of funding earning assets | 0.2672% | 5,317 |
| Net interest margin | 3.9238% | 2,073 |
| Noninterest income to average assets | 0.7582% | 2,011 |
| Noninterest expense to average assets | 2.7561% | 3,675 |
| Loan and lease loss provision to assets | 0.0364% | 3,564 |
| Net operating income to assets | 1.1918% | 1,618 |
| Return on assets (ROA) | 1.1918% | 1,685 |
| Pretax return on assets | 1.6563% | 1,122 |
| Return on Equity (ROE) | 12.3482% | 1,341 |
| Retained earnings to average equity (ytd only) | 6.7123% | 1,918 |
| Net charge-offs to loans | -0.1021% | 6,151 |
| Credit loss provision to net charge-offs | -47.5177% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9513% | 5,014 |
| Assets per employee ($millions) | 8.7529% | 356 |
| Cash dividends to net income (ytd only)* | 45.6413% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 1,820 |
| Loan loss allowance to noncurrent loans | 155.3224% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 3,111 |
| Noncurrent loans to loans | 1.1658% | 2,895 |
| Net loans and leases to total assets | 73.5763% | 1,495 |
| Net loans and leases to deposits | 109.4052% | 218 |
| Net loans and leases to core deposits | 111.5514% | 626 |
| Total domestic deposits to total assets | 67.2512% | 6,449 |
| Equity capital to assets | 9.7052% | 4,482 |
| Core capital (leverage) ratio | 9.0619% | 4,924 |
| Tier 1 risk-based capital ratio | 11.5072% | 5,794 |
| Total risk-based capital ratio | 12.7640% | 5,751 |
| Memoranda: | ||
| Average total assets | $367,690,000 | 1,783 |
| Average earning assets | $345,834,000 | 1,734 |
| Average equity | $35,487,000 | 1,972 |
| Average total loans | $276,286,670 | 1,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,688 |
| Cost of funding earning assets | 0.3075% | 4,992 |
| Net interest margin | 3.6905% | 2,900 |
| Noninterest income to average assets | 0.6969% | 2,186 |
| Noninterest expense to average assets | 2.7346% | 3,818 |
| Loan and lease loss provision to assets | 0.2202% | 1,031 |
| Net operating income to assets | 0.9302% | 2,506 |
| Return on assets (ROA) | 0.9302% | 2,578 |
| Pretax return on assets | 1.2165% | 2,411 |
| Return on Equity (ROE) | 9.6664% | 2,172 |
| Retained earnings to average equity (ytd only) | 3.9466% | 3,744 |
| Net charge-offs to loans | -0.0015% | 4,677 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5582% | 4,601 |
| Assets per employee ($millions) | 8.6814% | 372 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 1,950 |
| Loan loss allowance to noncurrent loans | 101.3312% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 2,580 |
| Noncurrent loans to loans | 1.8083% | 2,120 |
| Net loans and leases to total assets | 73.1933% | 1,397 |
| Net loans and leases to deposits | 97.9063% | 548 |
| Net loans and leases to core deposits | 109.7132% | 591 |
| Total domestic deposits to total assets | 74.7585% | 6,179 |
| Equity capital to assets | 9.4650% | 4,542 |
| Core capital (leverage) ratio | 9.5686% | 4,179 |
| Tier 1 risk-based capital ratio | 11.4184% | 5,952 |
| Total risk-based capital ratio | 12.6755% | 5,906 |
| Memoranda: | ||
| Average total assets | $363,348,000 | 1,807 |
| Average earning assets | $342,067,000 | 1,762 |
| Average equity | $34,966,500 | 1,983 |
| Average total loans | $273,415,500 | 1,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 3,192 |
| Cost of funding earning assets | 0.3029% | 5,567 |
| Net interest margin | 3.9367% | 2,151 |
| Noninterest income to average assets | 0.9472% | 1,529 |
| Noninterest expense to average assets | 2.9353% | 3,255 |
| Loan and lease loss provision to assets | 0.1881% | 1,963 |
| Net operating income to assets | 1.1082% | 1,909 |
| Return on assets (ROA) | 1.1280% | 1,904 |
| Pretax return on assets | 1.5987% | 1,170 |
| Return on Equity (ROE) | 11.6774% | 1,531 |
| Retained earnings to average equity (ytd only) | 3.0111% | 4,093 |
| Net charge-offs to loans | 0.2324% | 2,596 |
| Credit loss provision to net charge-offs | 107.1082% | 2,248 |
| Earnings coverage of net charge-offs (x) | 10.0145% | 2,434 |
| Efficiency ratio | 62.5280% | 5,120 |
| Assets per employee ($millions) | 8.0317% | 465 |
| Cash dividends to net income (ytd only)* | 74.2138% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 1,992 |
| Loan loss allowance to noncurrent loans | 94.7766% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 2,507 |
| Noncurrent loans to loans | 1.9251% | 2,086 |
| Net loans and leases to total assets | 74.5910% | 1,267 |
| Net loans and leases to deposits | 96.8217% | 681 |
| Net loans and leases to core deposits | 108.8182% | 660 |
| Total domestic deposits to total assets | 77.0395% | 5,964 |
| Equity capital to assets | 9.7908% | 4,052 |
| Core capital (leverage) ratio | 9.4400% | 4,352 |
| Tier 1 risk-based capital ratio | 11.7110% | 5,801 |
| Total risk-based capital ratio | 12.9679% | 5,727 |
| Memoranda: | ||
| Average total assets | $352,403,000 | 1,837 |
| Average earning assets | $335,436,200 | 1,770 |
| Average equity | $34,040,200 | 2,025 |
| Average total loans | $266,328,800 | 1,570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,226 |
| Cost of funding earning assets | 0.3083% | 5,662 |
| Net interest margin | 3.9337% | 2,163 |
| Noninterest income to average assets | 1.0279% | 1,378 |
| Noninterest expense to average assets | 2.9592% | 3,111 |
| Loan and lease loss provision to assets | 0.1689% | 2,151 |
| Net operating income to assets | 1.1504% | 1,811 |
| Return on assets (ROA) | 1.1763% | 1,784 |
| Pretax return on assets | 1.6909% | 1,116 |
| Return on Equity (ROE) | 12.2199% | 1,413 |
| Retained earnings to average equity (ytd only) | 3.3706% | 4,285 |
| Net charge-offs to loans | 0.2759% | 2,171 |
| Credit loss provision to net charge-offs | 81.0909% | 2,824 |
| Earnings coverage of net charge-offs (x) | 8.7527% | 2,580 |
| Efficiency ratio | 61.8844% | 5,154 |
| Assets per employee ($millions) | 7.9229% | 477 |
| Cash dividends to net income (ytd only)* | 72.4173% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,439 |
| Loan loss allowance to noncurrent loans | 85.3575% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.6139% | 2,531 |
| Noncurrent loans to loans | 2.0567% | 2,187 |
| Net loans and leases to total assets | 74.5714% | 1,197 |
| Net loans and leases to deposits | 95.9324% | 690 |
| Net loans and leases to core deposits | 107.5700% | 685 |
| Total domestic deposits to total assets | 77.7333% | 5,943 |
| Equity capital to assets | 9.5200% | 4,529 |
| Core capital (leverage) ratio | 9.4663% | 4,453 |
| Tier 1 risk-based capital ratio | 11.5600% | 6,026 |
| Total risk-based capital ratio | 12.8164% | 5,993 |
| Memoranda: | ||
| Average total assets | $352,155,250 | 1,853 |
| Average earning assets | $336,064,750 | 1,780 |
| Average equity | $33,900,250 | 2,047 |
| Average total loans | $265,786,250 | 1,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,264 |
| Cost of funding earning assets | 0.3078% | 5,768 |
| Net interest margin | 3.9166% | 2,161 |
| Noninterest income to average assets | 1.0020% | 1,534 |
| Noninterest expense to average assets | 3.0157% | 2,952 |
| Loan and lease loss provision to assets | 0.1272% | 2,727 |
| Net operating income to assets | 1.1225% | 1,851 |
| Return on assets (ROA) | 1.1240% | 1,959 |
| Pretax return on assets | 1.6134% | 1,328 |
| Return on Equity (ROE) | 11.6330% | 1,592 |
| Retained earnings to average equity (ytd only) | 2.7799% | 4,543 |
| Net charge-offs to loans | 0.2506% | 2,224 |
| Credit loss provision to net charge-offs | 67.3716% | 2,883 |
| Earnings coverage of net charge-offs (x) | 9.2085% | 2,312 |
| Efficiency ratio | 63.4357% | 4,941 |
| Assets per employee ($millions) | 7.1209% | 685 |
| Cash dividends to net income (ytd only)* | 76.1035% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 2,588 |
| Loan loss allowance to noncurrent loans | 111.1449% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 3,119 |
| Noncurrent loans to loans | 1.5764% | 2,945 |
| Net loans and leases to total assets | 76.2888% | 952 |
| Net loans and leases to deposits | 97.9746% | 543 |
| Net loans and leases to core deposits | 110.8086% | 531 |
| Total domestic deposits to total assets | 77.8660% | 6,003 |
| Equity capital to assets | 9.6479% | 4,393 |
| Core capital (leverage) ratio | 9.3664% | 4,443 |
| Tier 1 risk-based capital ratio | 11.7140% | 5,983 |
| Total risk-based capital ratio | 12.9707% | 5,935 |
| Memoranda: | ||
| Average total assets | $350,696,330 | 1,862 |
| Average earning assets | $335,953,670 | 1,783 |
| Average equity | $33,886,330 | 2,053 |
| Average total loans | $264,174,330 | 1,580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,224 |
| Cost of funding earning assets | 0.3128% | 5,867 |
| Net interest margin | 3.9053% | 2,103 |
| Noninterest income to average assets | 0.9932% | 1,479 |
| Noninterest expense to average assets | 3.1116% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1275% | 1,752 |
| Return on assets (ROA) | 1.1275% | 1,871 |
| Pretax return on assets | 1.6178% | 1,259 |
| Return on Equity (ROE) | 11.6597% | 1,516 |
| Retained earnings to average equity (ytd only) | 2.8355% | 4,580 |
| Net charge-offs to loans | 0.0445% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 49.0345% | 682 |
| Efficiency ratio | 65.7926% | 4,700 |
| Assets per employee ($millions) | 7.1898% | 711 |
| Cash dividends to net income (ytd only)* | 75.6811% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,506 |
| Loan loss allowance to noncurrent loans | 98.1293% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 2,811 |
| Noncurrent loans to loans | 1.8684% | 2,774 |
| Net loans and leases to total assets | 76.4657% | 784 |
| Net loans and leases to deposits | 91.3934% | 860 |
| Net loans and leases to core deposits | 102.8446% | 781 |
| Total domestic deposits to total assets | 83.6665% | 4,605 |
| Equity capital to assets | 10.0775% | 4,046 |
| Core capital (leverage) ratio | 9.5126% | 4,063 |
| Tier 1 risk-based capital ratio | 12.0060% | 5,908 |
| Total risk-based capital ratio | 13.2638% | 5,864 |
| Memoranda: | ||
| Average total assets | $351,582,500 | 1,883 |
| Average earning assets | $336,367,000 | 1,799 |
| Average equity | $33,997,500 | 2,076 |
| Average total loans | $260,793,000 | 1,605 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 3,556 |
| Cost of funding earning assets | 0.3861% | 6,010 |
| Net interest margin | 4.0769% | 2,094 |
| Noninterest income to average assets | 0.9859% | 1,569 |
| Noninterest expense to average assets | 3.0946% | 2,940 |
| Loan and lease loss provision to assets | 0.5659% | 1,001 |
| Net operating income to assets | 0.8678% | 2,969 |
| Return on assets (ROA) | 0.9298% | 2,897 |
| Pretax return on assets | 1.3022% | 2,386 |
| Return on Equity (ROE) | 9.1006% | 2,591 |
| Retained earnings to average equity (ytd only) | -5.1369% | 6,433 |
| Net charge-offs to loans | 0.7983% | 1,466 |
| Credit loss provision to net charge-offs | 99.2347% | 3,123 |
| Earnings coverage of net charge-offs (x) | 3.1230% | 3,873 |
| Efficiency ratio | 63.4742% | 4,982 |
| Assets per employee ($millions) | 7.9401% | 517 |
| Cash dividends to net income (ytd only)* | 156.4456% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 2,355 |
| Loan loss allowance to noncurrent loans | 104.7907% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.5360% | 3,084 |
| Noncurrent loans to loans | 1.7936% | 2,929 |
| Net loans and leases to total assets | 69.4085% | 1,957 |
| Net loans and leases to deposits | 86.9869% | 1,386 |
| Net loans and leases to core deposits | 97.4671% | 1,185 |
| Total domestic deposits to total assets | 79.7919% | 5,720 |
| Equity capital to assets | 9.2927% | 5,164 |
| Core capital (leverage) ratio | 8.9935% | 4,906 |
| Tier 1 risk-based capital ratio | 12.0408% | 5,761 |
| Total risk-based capital ratio | 13.2991% | 5,713 |
| Memoranda: | ||
| Average total assets | $343,730,000 | 1,885 |
| Average earning assets | $327,922,200 | 1,807 |
| Average equity | $35,118,400 | 1,967 |
| Average total loans | $245,527,600 | 1,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 3,564 |
| Cost of funding earning assets | 0.4020% | 6,109 |
| Net interest margin | 4.1159% | 2,035 |
| Noninterest income to average assets | 1.0135% | 1,467 |
| Noninterest expense to average assets | 3.1146% | 2,845 |
| Loan and lease loss provision to assets | 0.3728% | 1,733 |
| Net operating income to assets | 1.0041% | 2,481 |
| Return on assets (ROA) | 1.0856% | 2,343 |
| Pretax return on assets | 1.5699% | 1,673 |
| Return on Equity (ROE) | 10.3726% | 2,186 |
| Retained earnings to average equity (ytd only) | -6.5700% | 6,698 |
| Net charge-offs to loans | 0.7461% | 1,486 |
| Credit loss provision to net charge-offs | 69.7640% | 3,910 |
| Earnings coverage of net charge-offs (x) | 3.4145% | 3,653 |
| Efficiency ratio | 63.0605% | 4,969 |
| Assets per employee ($millions) | 7.0905% | 712 |
| Cash dividends to net income (ytd only)* | 163.3394% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 2,776 |
| Loan loss allowance to noncurrent loans | 107.4422% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 3,119 |
| Noncurrent loans to loans | 1.6805% | 3,273 |
| Net loans and leases to total assets | 69.8271% | 1,942 |
| Net loans and leases to deposits | 87.1359% | 1,462 |
| Net loans and leases to core deposits | 100.0627% | 1,114 |
| Total domestic deposits to total assets | 80.1358% | 5,616 |
| Equity capital to assets | 9.9492% | 4,568 |
| Core capital (leverage) ratio | 9.5809% | 4,148 |
| Tier 1 risk-based capital ratio | 12.5012% | 5,642 |
| Total risk-based capital ratio | 13.7583% | 5,594 |
| Memoranda: | ||
| Average total assets | $338,351,250 | 1,929 |
| Average earning assets | $322,710,500 | 1,858 |
| Average equity | $35,412,750 | 1,969 |
| Average total loans | $242,317,750 | 1,714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 3,516 |
| Cost of funding earning assets | 0.4208% | 6,161 |
| Net interest margin | 4.1419% | 1,935 |
| Noninterest income to average assets | 0.9805% | 1,514 |
| Noninterest expense to average assets | 3.1385% | 2,782 |
| Loan and lease loss provision to assets | 0.4151% | 1,581 |
| Net operating income to assets | 0.9545% | 2,641 |
| Return on assets (ROA) | 1.0784% | 2,351 |
| Pretax return on assets | 1.5573% | 1,686 |
| Return on Equity (ROE) | 10.1304% | 2,305 |
| Retained earnings to average equity (ytd only) | -6.6789% | 6,702 |
| Net charge-offs to loans | 1.0426% | 1,051 |
| Credit loss provision to net charge-offs | 55.4582% | 3,914 |
| Earnings coverage of net charge-offs (x) | 2.3952% | 3,800 |
| Efficiency ratio | 63.6430% | 4,957 |
| Assets per employee ($millions) | 6.8452% | 787 |
| Cash dividends to net income (ytd only)* | 165.9292% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,904 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 3,171 |
| Noncurrent loans to loans | 1.6576% | 3,413 |
| Net loans and leases to total assets | 70.7302% | 1,782 |
| Net loans and leases to deposits | 89.7084% | 1,170 |
| Net loans and leases to core deposits | 99.3455% | 1,144 |
| Total domestic deposits to total assets | 78.8445% | 5,984 |
| Equity capital to assets | 10.4488% | 3,754 |
| Core capital (leverage) ratio | 9.8381% | 3,662 |
| Tier 1 risk-based capital ratio | 13.0625% | 5,141 |
| Total risk-based capital ratio | 14.3193% | 5,118 |
| Memoranda: | ||
| Average total assets | $335,323,670 | 1,941 |
| Average earning assets | $319,856,670 | 1,871 |
| Average equity | $35,694,670 | 1,940 |
| Average total loans | $240,735,670 | 1,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 3,546 |
| Cost of funding earning assets | 0.4078% | 6,374 |
| Net interest margin | 4.1840% | 1,798 |
| Noninterest income to average assets | 0.8745% | 1,852 |
| Noninterest expense to average assets | 3.1449% | 2,778 |
| Loan and lease loss provision to assets | 0.2983% | 2,095 |
| Net operating income to assets | 0.9676% | 2,602 |
| Return on assets (ROA) | 1.2109% | 1,885 |
| Pretax return on assets | 1.7800% | 1,122 |
| Return on Equity (ROE) | 11.2720% | 1,917 |
| Retained earnings to average equity (ytd only) | -5.3861% | 6,607 |
| Net charge-offs to loans | 0.4411% | 1,989 |
| Credit loss provision to net charge-offs | 94.3396% | 2,471 |
| Earnings coverage of net charge-offs (x) | 5.4415% | 2,368 |
| Efficiency ratio | 64.6395% | 4,812 |
| Assets per employee ($millions) | 6.3406% | 1,064 |
| Cash dividends to net income (ytd only)* | 147.7833% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0284% | 2,273 |
| Loan loss allowance to noncurrent loans | 104.5425% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 2,827 |
| Noncurrent loans to loans | 1.9402% | 3,235 |
| Net loans and leases to total assets | 71.1374% | 1,543 |
| Net loans and leases to deposits | 86.3175% | 1,381 |
| Net loans and leases to core deposits | 95.1891% | 1,359 |
| Total domestic deposits to total assets | 82.4136% | 5,158 |
| Equity capital to assets | 10.7952% | 3,155 |
| Core capital (leverage) ratio | 10.2128% | 3,089 |
| Tier 1 risk-based capital ratio | 13.5329% | 4,805 |
| Total risk-based capital ratio | 14.7929% | 4,778 |
| Memoranda: | ||
| Average total assets | $335,277,000 | 1,949 |
| Average earning assets | $319,792,000 | 1,880 |
| Average equity | $36,018,500 | 1,927 |
| Average total loans | $240,327,000 | 1,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 3,971 |
| Cost of funding earning assets | 0.4601% | 6,699 |
| Net interest margin | 4.3024% | 1,691 |
| Noninterest income to average assets | 0.7546% | 2,314 |
| Noninterest expense to average assets | 2.9323% | 3,833 |
| Loan and lease loss provision to assets | 0.4472% | 2,367 |
| Net operating income to assets | 1.0206% | 2,131 |
| Return on assets (ROA) | 1.0623% | 2,093 |
| Pretax return on assets | 1.5312% | 1,392 |
| Return on Equity (ROE) | 10.0330% | 2,050 |
| Retained earnings to average equity (ytd only) | 1.8472% | 4,902 |
| Net charge-offs to loans | 1.1092% | 1,551 |
| Credit loss provision to net charge-offs | 56.9956% | 5,244 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 3,990 |
| Efficiency ratio | 60.4563% | 5,675 |
| Assets per employee ($millions) | 6.4310% | 992 |
| Cash dividends to net income (ytd only)* | 81.5883% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 2,216 |
| Loan loss allowance to noncurrent loans | 103.7045% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 3,203 |
| Noncurrent loans to loans | 1.9469% | 3,279 |
| Net loans and leases to total assets | 69.3514% | 2,153 |
| Net loans and leases to deposits | 83.5938% | 1,971 |
| Net loans and leases to core deposits | 90.0993% | 2,119 |
| Total domestic deposits to total assets | 82.9623% | 4,764 |
| Equity capital to assets | 10.6923% | 3,311 |
| Core capital (leverage) ratio | 9.7848% | 3,630 |
| Tier 1 risk-based capital ratio | 13.7036% | 4,552 |
| Total risk-based capital ratio | 14.9637% | 4,506 |
| Memoranda: | ||
| Average total assets | $346,143,400 | 1,872 |
| Average earning assets | $329,514,800 | 1,795 |
| Average equity | $36,649,200 | 1,838 |
| Average total loans | $244,857,400 | 1,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 4,133 |
| Cost of funding earning assets | 0.4696% | 6,818 |
| Net interest margin | 4.3027% | 1,703 |
| Noninterest income to average assets | 0.7129% | 2,524 |
| Noninterest expense to average assets | 2.8648% | 4,083 |
| Loan and lease loss provision to assets | 0.5955% | 1,657 |
| Net operating income to assets | 0.9480% | 2,538 |
| Return on assets (ROA) | 0.9654% | 2,622 |
| Pretax return on assets | 1.3699% | 2,041 |
| Return on Equity (ROE) | 9.1404% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.6910% | 4,118 |
| Net charge-offs to loans | 0.7785% | 2,000 |
| Credit loss provision to net charge-offs | 108.1533% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.5240% | 3,409 |
| Efficiency ratio | 59.6183% | 5,782 |
| Assets per employee ($millions) | 6.6858% | 863 |
| Cash dividends to net income (ytd only)* | 59.6185% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 1,382 |
| Loan loss allowance to noncurrent loans | 118.8151% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 3,173 |
| Noncurrent loans to loans | 2.1123% | 3,229 |
| Net loans and leases to total assets | 68.7924% | 2,315 |
| Net loans and leases to deposits | 85.2820% | 1,786 |
| Net loans and leases to core deposits | 91.8424% | 2,016 |
| Total domestic deposits to total assets | 80.6647% | 5,544 |
| Equity capital to assets | 10.6849% | 3,481 |
| Core capital (leverage) ratio | 10.0118% | 3,426 |
| Tier 1 risk-based capital ratio | 13.7501% | 4,536 |
| Total risk-based capital ratio | 15.0161% | 4,487 |
| Memoranda: | ||
| Average total assets | $347,468,250 | 1,869 |
| Average earning assets | $330,479,000 | 1,803 |
| Average equity | $36,700,500 | 1,835 |
| Average total loans | $245,759,000 | 1,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 4,170 |
| Cost of funding earning assets | 0.4772% | 6,925 |
| Net interest margin | 4.3034% | 1,639 |
| Noninterest income to average assets | 0.7922% | 2,061 |
| Noninterest expense to average assets | 2.9102% | 3,985 |
| Loan and lease loss provision to assets | 0.8204% | 1,118 |
| Net operating income to assets | 0.8285% | 2,949 |
| Return on assets (ROA) | 0.8555% | 2,927 |
| Pretax return on assets | 1.1900% | 2,521 |
| Return on Equity (ROE) | 8.1310% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.1310% | 1,413 |
| Net charge-offs to loans | 0.7060% | 2,099 |
| Credit loss provision to net charge-offs | 164.1705% | 1,842 |
| Earnings coverage of net charge-offs (x) | 3.9482% | 3,009 |
| Efficiency ratio | 59.5968% | 5,930 |
| Assets per employee ($millions) | 6.5930% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6669% | 1,216 |
| Loan loss allowance to noncurrent loans | 133.7931% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 3,164 |
| Noncurrent loans to loans | 1.9933% | 3,488 |
| Net loans and leases to total assets | 68.8925% | 2,435 |
| Net loans and leases to deposits | 86.7290% | 1,687 |
| Net loans and leases to core deposits | 91.6920% | 2,172 |
| Total domestic deposits to total assets | 79.4342% | 5,969 |
| Equity capital to assets | 10.7043% | 3,283 |
| Core capital (leverage) ratio | 10.0603% | 3,187 |
| Tier 1 risk-based capital ratio | 13.6237% | 4,436 |
| Total risk-based capital ratio | 14.8912% | 4,403 |
| Memoranda: | ||
| Average total assets | $347,404,670 | 1,879 |
| Average earning assets | $330,252,670 | 1,809 |
| Average equity | $36,551,670 | 1,830 |
| Average total loans | $245,905,330 | 1,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 3,926 |
| Cost of funding earning assets | 0.5030% | 6,956 |
| Net interest margin | 4.3230% | 1,495 |
| Noninterest income to average assets | 0.9088% | 1,635 |
| Noninterest expense to average assets | 2.9019% | 4,051 |
| Loan and lease loss provision to assets | 0.4192% | 2,094 |
| Net operating income to assets | 1.1501% | 1,667 |
| Return on assets (ROA) | 1.1501% | 1,713 |
| Pretax return on assets | 1.6963% | 989 |
| Return on Equity (ROE) | 11.0282% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.0282% | 900 |
| Net charge-offs to loans | 0.2219% | 3,200 |
| Credit loss provision to net charge-offs | 266.9118% | 1,178 |
| Earnings coverage of net charge-offs (x) | 13.4706% | 1,433 |
| Efficiency ratio | 57.8366% | 6,288 |
| Assets per employee ($millions) | 6.6423% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 1,359 |
| Loan loss allowance to noncurrent loans | 142.1925% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 3,380 |
| Noncurrent loans to loans | 1.8052% | 3,822 |
| Net loans and leases to total assets | 68.8502% | 2,366 |
| Net loans and leases to deposits | 93.2446% | 897 |
| Net loans and leases to core deposits | 95.1564% | 1,753 |
| Total domestic deposits to total assets | 73.8383% | 6,920 |
| Equity capital to assets | 10.5778% | 3,100 |
| Core capital (leverage) ratio | 9.9667% | 3,183 |
| Tier 1 risk-based capital ratio | 13.4942% | 4,420 |
| Total risk-based capital ratio | 14.7602% | 4,383 |
| Memoranda: | ||
| Average total assets | $346,392,000 | 1,900 |
| Average earning assets | $329,218,000 | 1,821 |
| Average equity | $36,125,500 | 1,828 |
| Average total loans | $245,194,500 | 1,755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 4,700 |
| Cost of funding earning assets | 0.7188% | 6,831 |
| Net interest margin | 4.2495% | 1,998 |
| Noninterest income to average assets | 0.7109% | 2,779 |
| Noninterest expense to average assets | 2.9259% | 4,123 |
| Loan and lease loss provision to assets | 1.4244% | 1,055 |
| Net operating income to assets | 0.3363% | 4,800 |
| Return on assets (ROA) | 0.5547% | 4,025 |
| Pretax return on assets | 0.6836% | 4,033 |
| Return on Equity (ROE) | 5.6051% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,056 |
| Net charge-offs to loans | 1.5955% | 1,365 |
| Credit loss provision to net charge-offs | 124.9013% | 3,291 |
| Earnings coverage of net charge-offs (x) | 1.6120% | 4,528 |
| Efficiency ratio | 61.4130% | 5,827 |
| Assets per employee ($millions) | 6.2033% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 1,477 |
| Loan loss allowance to noncurrent loans | 164.2371% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 3,779 |
| Noncurrent loans to loans | 1.4928% | 4,237 |
| Net loans and leases to total assets | 69.1674% | 2,729 |
| Net loans and leases to deposits | 90.2523% | 1,488 |
| Net loans and leases to core deposits | 92.1841% | 2,481 |
| Total domestic deposits to total assets | 76.6378% | 6,543 |
| Equity capital to assets | 10.2812% | 3,401 |
| Core capital (leverage) ratio | 9.6534% | 3,477 |
| Tier 1 risk-based capital ratio | 13.1455% | 4,488 |
| Total risk-based capital ratio | 14.4105% | 4,437 |
| Memoranda: | ||
| Average total assets | $355,309,800 | 1,838 |
| Average earning assets | $338,911,400 | 1,762 |
| Average equity | $35,164,200 | 1,887 |
| Average total loans | $253,969,800 | 1,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 4,848 |
| Cost of funding earning assets | 0.7726% | 6,837 |
| Net interest margin | 4.2215% | 2,139 |
| Noninterest income to average assets | 0.6613% | 3,065 |
| Noninterest expense to average assets | 2.9092% | 4,051 |
| Loan and lease loss provision to assets | 1.4449% | 930 |
| Net operating income to assets | 0.2728% | 5,267 |
| Return on assets (ROA) | 0.5624% | 4,208 |
| Pretax return on assets | 0.6960% | 4,242 |
| Return on Equity (ROE) | 5.7365% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.7365% | 2,518 |
| Net charge-offs to loans | 1.9039% | 1,003 |
| Credit loss provision to net charge-offs | 105.9661% | 4,030 |
| Earnings coverage of net charge-offs (x) | 1.3079% | 4,769 |
| Efficiency ratio | 61.9960% | 5,623 |
| Assets per employee ($millions) | 6.0993% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 2,045 |
| Loan loss allowance to noncurrent loans | 117.7738% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.8657% | 3,651 |
| Noncurrent loans to loans | 1.7673% | 3,997 |
| Net loans and leases to total assets | 69.7876% | 2,779 |
| Net loans and leases to deposits | 93.8251% | 1,219 |
| Net loans and leases to core deposits | 95.6996% | 2,297 |
| Total domestic deposits to total assets | 74.3805% | 6,878 |
| Equity capital to assets | 10.0774% | 4,058 |
| Core capital (leverage) ratio | 9.3552% | 4,126 |
| Tier 1 risk-based capital ratio | 12.5604% | 4,928 |
| Total risk-based capital ratio | 13.8210% | 4,896 |
| Memoranda: | ||
| Average total assets | $357,291,750 | 1,851 |
| Average earning assets | $341,197,500 | 1,779 |
| Average equity | $35,026,500 | 1,911 |
| Average total loans | $255,883,750 | 1,751 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 4,870 |
| Cost of funding earning assets | 0.7798% | 6,973 |
| Net interest margin | 4.2365% | 2,034 |
| Noninterest income to average assets | 0.5763% | 3,502 |
| Noninterest expense to average assets | 2.8951% | 4,097 |
| Loan and lease loss provision to assets | 1.2397% | 1,128 |
| Net operating income to assets | 0.3648% | 4,911 |
| Return on assets (ROA) | 0.7599% | 3,305 |
| Pretax return on assets | 1.0283% | 3,017 |
| Return on Equity (ROE) | 7.8234% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,504 |
| Net charge-offs to loans | 0.7755% | 2,305 |
| Credit loss provision to net charge-offs | 222.8686% | 1,746 |
| Earnings coverage of net charge-offs (x) | 3.1174% | 3,443 |
| Efficiency ratio | 62.5407% | 5,606 |
| Assets per employee ($millions) | 6.0061% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4330% | 1,394 |
| Loan loss allowance to noncurrent loans | 115.1298% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7590% | 3,819 |
| Noncurrent loans to loans | 2.1133% | 3,577 |
| Net loans and leases to total assets | 69.6055% | 2,991 |
| Net loans and leases to deposits | 94.7849% | 1,173 |
| Net loans and leases to core deposits | 100.8637% | 1,932 |
| Total domestic deposits to total assets | 73.4353% | 7,047 |
| Equity capital to assets | 9.8489% | 4,206 |
| Core capital (leverage) ratio | 9.4067% | 3,951 |
| Tier 1 risk-based capital ratio | 12.4734% | 4,882 |
| Total risk-based capital ratio | 13.7387% | 4,849 |
| Memoranda: | ||
| Average total assets | $358,468,330 | 1,865 |
| Average earning assets | $342,921,330 | 1,783 |
| Average equity | $34,818,670 | 1,920 |
| Average total loans | $257,135,000 | 1,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 4,700 |
| Cost of funding earning assets | 0.8158% | 7,038 |
| Net interest margin | 4.2498% | 1,853 |
| Noninterest income to average assets | 0.7082% | 2,542 |
| Noninterest expense to average assets | 2.8485% | 4,284 |
| Loan and lease loss provision to assets | 1.0908% | 1,125 |
| Net operating income to assets | 0.5806% | 3,984 |
| Return on assets (ROA) | 1.0136% | 2,199 |
| Pretax return on assets | 1.4556% | 1,627 |
| Return on Equity (ROE) | 10.5098% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.5098% | 1,038 |
| Net charge-offs to loans | 0.0778% | 4,641 |
| Credit loss provision to net charge-offs | 1,950.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 34.4600% | 789 |
| Efficiency ratio | 59.6393% | 6,238 |
| Assets per employee ($millions) | 5.8695% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 1,512 |
| Loan loss allowance to noncurrent loans | 93.1051% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 3,431 |
| Noncurrent loans to loans | 2.5152% | 3,160 |
| Net loans and leases to total assets | 70.5172% | 2,794 |
| Net loans and leases to deposits | 94.7588% | 1,261 |
| Net loans and leases to core deposits | 101.5876% | 1,968 |
| Total domestic deposits to total assets | 74.4176% | 6,990 |
| Equity capital to assets | 9.9159% | 3,966 |
| Core capital (leverage) ratio | 9.1525% | 4,294 |
| Tier 1 risk-based capital ratio | 12.2341% | 4,963 |
| Total risk-based capital ratio | 13.4976% | 4,920 |
| Memoranda: | ||
| Average total assets | $357,520,000 | 1,919 |
| Average earning assets | $342,228,000 | 1,828 |
| Average equity | $34,482,000 | 1,961 |
| Average total loans | $257,158,000 | 1,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3043% | 5,156 |
| Cost of funding earning assets | 1.2010% | 6,655 |
| Net interest margin | 4.1033% | 2,431 |
| Noninterest income to average assets | 0.9212% | 1,863 |
| Noninterest expense to average assets | 2.8474% | 4,758 |
| Loan and lease loss provision to assets | 1.2842% | 1,800 |
| Net operating income to assets | 0.5570% | 3,496 |
| Return on assets (ROA) | 0.5739% | 3,502 |
| Pretax return on assets | 0.7262% | 3,487 |
| Return on Equity (ROE) | 6.3789% | 3,042 |
| Retained earnings to average equity (ytd only) | 5.4606% | 1,599 |
| Net charge-offs to loans | 1.3528% | 1,846 |
| Credit loss provision to net charge-offs | 131.7976% | 3,826 |
| Earnings coverage of net charge-offs (x) | 2.0413% | 4,197 |
| Efficiency ratio | 58.8748% | 6,638 |
| Assets per employee ($millions) | 6.0478% | 1,217 |
| Cash dividends to net income (ytd only)* | 14.3954% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 2,178 |
| Loan loss allowance to noncurrent loans | 85.1820% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 3,670 |
| Noncurrent loans to loans | 2.2710% | 3,318 |
| Net loans and leases to total assets | 70.2705% | 3,193 |
| Net loans and leases to deposits | 90.9866% | 2,052 |
| Net loans and leases to core deposits | 101.5609% | 3,840 |
| Total domestic deposits to total assets | 77.2317% | 6,404 |
| Equity capital to assets | 9.3816% | 4,585 |
| Core capital (leverage) ratio | 8.4298% | 5,386 |
| Tier 1 risk-based capital ratio | 11.6080% | 5,288 |
| Total risk-based capital ratio | 12.8667% | 5,238 |
| Memoranda: | ||
| Average total assets | $363,103,600 | 1,871 |
| Average earning assets | $346,457,000 | 1,803 |
| Average equity | $32,670,200 | 2,045 |
| Average total loans | $261,530,200 | 1,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 5,270 |
| Cost of funding earning assets | 1.2828% | 6,613 |
| Net interest margin | 4.0480% | 2,604 |
| Noninterest income to average assets | 0.9535% | 1,767 |
| Noninterest expense to average assets | 2.8299% | 4,761 |
| Loan and lease loss provision to assets | 1.2971% | 1,483 |
| Net operating income to assets | 0.5409% | 3,825 |
| Return on assets (ROA) | 0.5636% | 3,823 |
| Pretax return on assets | 0.7130% | 3,808 |
| Return on Equity (ROE) | 6.3310% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.0937% | 2,437 |
| Net charge-offs to loans | 1.2783% | 1,609 |
| Credit loss provision to net charge-offs | 140.7009% | 3,491 |
| Earnings coverage of net charge-offs (x) | 2.1493% | 4,216 |
| Efficiency ratio | 58.8172% | 6,589 |
| Assets per employee ($millions) | 5.9432% | 1,252 |
| Cash dividends to net income (ytd only)* | 19.5439% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 1,964 |
| Loan loss allowance to noncurrent loans | 125.9136% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 4,445 |
| Noncurrent loans to loans | 1.5303% | 4,354 |
| Net loans and leases to total assets | 70.3247% | 3,432 |
| Net loans and leases to deposits | 89.1365% | 2,756 |
| Net loans and leases to core deposits | 106.3251% | 3,666 |
| Total domestic deposits to total assets | 78.8955% | 5,839 |
| Equity capital to assets | 9.4236% | 4,856 |
| Core capital (leverage) ratio | 8.5971% | 5,307 |
| Tier 1 risk-based capital ratio | 11.4970% | 5,430 |
| Total risk-based capital ratio | 12.7551% | 5,376 |
| Memoranda: | ||
| Average total assets | $363,162,500 | 1,887 |
| Average earning assets | $346,106,750 | 1,819 |
| Average equity | $32,327,000 | 2,086 |
| Average total loans | $261,908,000 | 1,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 5,654 |
| Cost of funding earning assets | 1.3719% | 6,575 |
| Net interest margin | 3.9291% | 2,980 |
| Noninterest income to average assets | 1.0286% | 1,503 |
| Noninterest expense to average assets | 2.8827% | 4,568 |
| Loan and lease loss provision to assets | 1.3324% | 1,297 |
| Net operating income to assets | 0.4588% | 4,259 |
| Return on assets (ROA) | 0.4938% | 4,236 |
| Pretax return on assets | 0.6000% | 4,321 |
| Return on Equity (ROE) | 5.6549% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.7741% | 3,198 |
| Net charge-offs to loans | 1.6259% | 1,164 |
| Credit loss provision to net charge-offs | 113.4203% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.6086% | 4,336 |
| Efficiency ratio | 60.4038% | 6,479 |
| Assets per employee ($millions) | 5.9545% | 1,228 |
| Cash dividends to net income (ytd only)* | 33.2594% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 2,660 |
| Loan loss allowance to noncurrent loans | 94.5635% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,949 |
| Noncurrent loans to loans | 1.7133% | 3,939 |
| Net loans and leases to total assets | 70.0818% | 3,688 |
| Net loans and leases to deposits | 88.3942% | 3,107 |
| Net loans and leases to core deposits | 108.5190% | 3,551 |
| Total domestic deposits to total assets | 79.2833% | 5,725 |
| Equity capital to assets | 8.8975% | 5,457 |
| Core capital (leverage) ratio | 8.2424% | 5,900 |
| Tier 1 risk-based capital ratio | 11.0622% | 5,818 |
| Total risk-based capital ratio | 12.3167% | 5,731 |
| Memoranda: | ||
| Average total assets | $365,352,330 | 1,898 |
| Average earning assets | $348,117,670 | 1,828 |
| Average equity | $31,901,330 | 2,120 |
| Average total loans | $263,977,330 | 1,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 5,809 |
| Cost of funding earning assets | 1.5165% | 6,357 |
| Net interest margin | 3.8039% | 3,429 |
| Noninterest income to average assets | 1.0524% | 1,338 |
| Noninterest expense to average assets | 2.7270% | 4,892 |
| Loan and lease loss provision to assets | 1.5556% | 808 |
| Net operating income to assets | 0.3432% | 5,099 |
| Return on assets (ROA) | 0.4181% | 4,961 |
| Pretax return on assets | 0.4749% | 5,154 |
| Return on Equity (ROE) | 4.8339% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.0475% | 5,225 |
| Net charge-offs to loans | 0.6377% | 1,902 |
| Credit loss provision to net charge-offs | 335.2941% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.1929% | 2,949 |
| Efficiency ratio | 58.3645% | 6,638 |
| Assets per employee ($millions) | 6.1059% | 1,139 |
| Cash dividends to net income (ytd only)* | 78.3290% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 1,780 |
| Loan loss allowance to noncurrent loans | 103.0469% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 3,517 |
| Noncurrent loans to loans | 1.7768% | 3,600 |
| Net loans and leases to total assets | 70.5946% | 3,552 |
| Net loans and leases to deposits | 101.0565% | 1,272 |
| Net loans and leases to core deposits | 126.0127% | 1,917 |
| Total domestic deposits to total assets | 69.8565% | 7,439 |
| Equity capital to assets | 8.6033% | 5,913 |
| Core capital (leverage) ratio | 8.0549% | 6,372 |
| Tier 1 risk-based capital ratio | 10.6336% | 6,257 |
| Total risk-based capital ratio | 11.8908% | 6,167 |
| Memoranda: | ||
| Average total assets | $366,416,500 | 1,899 |
| Average earning assets | $348,698,500 | 1,837 |
| Average equity | $31,693,000 | 2,134 |
| Average total loans | $266,593,000 | 1,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1201% | 4,937 |
| Cost of funding earning assets | 2.2295% | 5,461 |
| Net interest margin | 3.8907% | 3,607 |
| Noninterest income to average assets | 0.7299% | 2,908 |
| Noninterest expense to average assets | 2.5546% | 5,813 |
| Loan and lease loss provision to assets | 0.4956% | 2,832 |
| Net operating income to assets | 0.9645% | 2,723 |
| Return on assets (ROA) | 0.9645% | 2,599 |
| Pretax return on assets | 1.3673% | 2,066 |
| Return on Equity (ROE) | 11.6102% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.6567% | 945 |
| Net charge-offs to loans | 0.2790% | 3,538 |
| Credit loss provision to net charge-offs | 243.7416% | 1,910 |
| Earnings coverage of net charge-offs (x) | 9.1615% | 2,745 |
| Efficiency ratio | 57.8279% | 6,727 |
| Assets per employee ($millions) | 5.8124% | 1,257 |
| Cash dividends to net income (ytd only)* | 34.0522% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,823 |
| Loan loss allowance to noncurrent loans | 89.5413% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6128% | 3,021 |
| Noncurrent loans to loans | 1.6432% | 3,308 |
| Net loans and leases to total assets | 72.5475% | 3,478 |
| Net loans and leases to deposits | 96.6403% | 2,348 |
| Net loans and leases to core deposits | 119.7695% | 2,712 |
| Total domestic deposits to total assets | 75.0696% | 6,435 |
| Equity capital to assets | 8.6971% | 5,815 |
| Core capital (leverage) ratio | 8.0186% | 6,457 |
| Tier 1 risk-based capital ratio | 10.6208% | 6,076 |
| Total risk-based capital ratio | 11.8735% | 5,972 |
| Memoranda: | ||
| Average total assets | $365,386,400 | 1,836 |
| Average earning assets | $346,317,200 | 1,785 |
| Average equity | $30,352,600 | 2,231 |
| Average total loans | $266,299,800 | 1,793 |