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 | 3.8603% | 4,326 |
| Cost of funding earning assets | 0.2990% | 4,895 |
| Net interest margin | 3.5613% | 3,589 |
| Noninterest income to average assets | 0.7185% | 2,239 |
| Noninterest expense to average assets | 2.8755% | 3,214 |
| Loan and lease loss provision to assets | 0.2433% | 900 |
| Net operating income to assets | 0.7869% | 3,481 |
| Return on assets (ROA) | 0.8418% | 3,314 |
| Pretax return on assets | 0.9871% | 3,644 |
| Return on Equity (ROE) | 9.0156% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.0156% | 996 |
| Net charge-offs to loans | 0.0596% | 3,355 |
| Credit loss provision to net charge-offs | 586.9565% | 504 |
| Earnings coverage of net charge-offs (x) | 28.1216% | 1,428 |
| Efficiency ratio | 71.1520% | 3,317 |
| Assets per employee ($millions) | 7.0770% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,107 |
| Loan loss allowance to noncurrent loans | 168.0893% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 3,848 |
| Noncurrent loans to loans | 0.8408% | 3,470 |
| Net loans and leases to total assets | 72.7913% | 1,717 |
| Net loans and leases to deposits | 98.4140% | 708 |
| Net loans and leases to core deposits | 104.6062% | 1,063 |
| Total domestic deposits to total assets | 73.9644% | 6,019 |
| Equity capital to assets | 9.8137% | 4,404 |
| Core capital (leverage) ratio | 8.5853% | 5,563 |
| Tier 1 risk-based capital ratio | 11.1980% | 5,913 |
| Total risk-based capital ratio | 12.4503% | 5,859 |
| Memoranda: | ||
| Average total assets | $739,691,500 | 921 |
| Average earning assets | $690,186,750 | 897 |
| Average equity | $69,064,000 | 1,068 |
| Average total loans | $514,933,750 | 867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,567 |
| Cost of funding earning assets | 0.3175% | 4,790 |
| Net interest margin | 3.4703% | 3,892 |
| Noninterest income to average assets | 0.6816% | 2,369 |
| Noninterest expense to average assets | 2.8735% | 3,254 |
| Loan and lease loss provision to assets | 0.2969% | 667 |
| Net operating income to assets | 0.6760% | 3,963 |
| Return on assets (ROA) | 0.7337% | 3,749 |
| Pretax return on assets | 0.8087% | 4,233 |
| Return on Equity (ROE) | 7.9931% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.9931% | 1,333 |
| Net charge-offs to loans | 0.0186% | 3,848 |
| Credit loss provision to net charge-offs | 2,340.4255% | 158 |
| Earnings coverage of net charge-offs (x) | 82.1489% | 645 |
| Efficiency ratio | 73.3834% | 3,092 |
| Assets per employee ($millions) | 7.2390% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 3,143 |
| Loan loss allowance to noncurrent loans | 107.4979% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 3,008 |
| Noncurrent loans to loans | 1.3413% | 2,568 |
| Net loans and leases to total assets | 71.1754% | 1,891 |
| Net loans and leases to deposits | 98.0346% | 662 |
| Net loans and leases to core deposits | 104.6710% | 973 |
| Total domestic deposits to total assets | 72.6024% | 6,208 |
| Equity capital to assets | 9.5998% | 4,625 |
| Core capital (leverage) ratio | 8.3967% | 5,744 |
| Tier 1 risk-based capital ratio | 11.1526% | 5,987 |
| Total risk-based capital ratio | 12.4054% | 5,920 |
| Memoranda: | ||
| Average total assets | $740,918,000 | 920 |
| Average earning assets | $690,490,330 | 891 |
| Average equity | $68,008,670 | 1,076 |
| Average total loans | $505,434,000 | 881 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,718 |
| Cost of funding earning assets | 0.3436% | 4,603 |
| Net interest margin | 3.3935% | 4,145 |
| Noninterest income to average assets | 0.6339% | 2,549 |
| Noninterest expense to average assets | 2.8624% | 3,335 |
| Loan and lease loss provision to assets | 0.2950% | 661 |
| Net operating income to assets | 0.5847% | 4,267 |
| Return on assets (ROA) | 0.6994% | 3,769 |
| Pretax return on assets | 0.7648% | 4,249 |
| Return on Equity (ROE) | 7.7945% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.7945% | 1,687 |
| Net charge-offs to loans | 0.0275% | 3,025 |
| Credit loss provision to net charge-offs | 1,617.6471% | 205 |
| Earnings coverage of net charge-offs (x) | 51.2059% | 741 |
| Efficiency ratio | 75.4027% | 2,889 |
| Assets per employee ($millions) | 7.8720% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 3,463 |
| Loan loss allowance to noncurrent loans | 110.5452% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 3,478 |
| Noncurrent loans to loans | 1.2934% | 2,868 |
| Net loans and leases to total assets | 62.5938% | 3,143 |
| Net loans and leases to deposits | 85.3191% | 1,694 |
| Net loans and leases to core deposits | 97.8732% | 1,249 |
| Total domestic deposits to total assets | 73.3644% | 6,286 |
| Equity capital to assets | 8.7309% | 5,420 |
| Core capital (leverage) ratio | 8.0303% | 6,095 |
| Tier 1 risk-based capital ratio | 11.5725% | 5,877 |
| Total risk-based capital ratio | 12.8252% | 5,824 |
| Memoranda: | ||
| Average total assets | $745,805,500 | 916 |
| Average earning assets | $694,970,000 | 889 |
| Average equity | $66,919,000 | 1,094 |
| Average total loans | $494,147,500 | 899 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,715 |
| Cost of funding earning assets | 0.4584% | 4,039 |
| Net interest margin | 3.3671% | 4,414 |
| Noninterest income to average assets | 0.7532% | 2,278 |
| Noninterest expense to average assets | 3.0499% | 2,899 |
| Loan and lease loss provision to assets | 0.1972% | 1,880 |
| Net operating income to assets | 0.5970% | 4,274 |
| Return on assets (ROA) | 0.6523% | 4,127 |
| Pretax return on assets | 0.7182% | 4,471 |
| Return on Equity (ROE) | 7.8168% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.1033% | 1,911 |
| Net charge-offs to loans | 0.1918% | 2,932 |
| Credit loss provision to net charge-offs | 156.7045% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.7920% | 2,985 |
| Efficiency ratio | 78.1134% | 2,453 |
| Assets per employee ($millions) | 6.4170% | 1,027 |
| Cash dividends to net income (ytd only)* | 21.9202% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 3,981 |
| Loan loss allowance to noncurrent loans | 104.4919% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 3,544 |
| Noncurrent loans to loans | 1.2724% | 3,006 |
| Net loans and leases to total assets | 68.3503% | 2,291 |
| Net loans and leases to deposits | 86.2877% | 1,648 |
| Net loans and leases to core deposits | 98.8189% | 1,251 |
| Total domestic deposits to total assets | 79.2121% | 5,618 |
| Equity capital to assets | 9.2373% | 4,765 |
| Core capital (leverage) ratio | 8.2618% | 5,916 |
| Tier 1 risk-based capital ratio | 11.3000% | 6,024 |
| Total risk-based capital ratio | 12.5513% | 5,958 |
| Memoranda: | ||
| Average total assets | $699,425,000 | 946 |
| Average earning assets | $654,605,400 | 924 |
| Average equity | $58,361,800 | 1,238 |
| Average total loans | $458,747,600 | 931 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,883 |
| Cost of funding earning assets | 0.4624% | 4,144 |
| Net interest margin | 3.3300% | 4,534 |
| Noninterest income to average assets | 0.7766% | 2,256 |
| Noninterest expense to average assets | 3.0025% | 2,986 |
| Loan and lease loss provision to assets | 0.1337% | 2,607 |
| Net operating income to assets | 0.6483% | 4,131 |
| Return on assets (ROA) | 0.7429% | 3,761 |
| Pretax return on assets | 0.8796% | 3,971 |
| Return on Equity (ROE) | 9.1532% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.7935% | 1,978 |
| Net charge-offs to loans | 0.1537% | 3,010 |
| Credit loss provision to net charge-offs | 134.4894% | 1,752 |
| Earnings coverage of net charge-offs (x) | 9.0617% | 2,531 |
| Efficiency ratio | 76.9246% | 2,572 |
| Assets per employee ($millions) | 6.1611% | 1,129 |
| Cash dividends to net income (ytd only)* | 25.7798% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,350 |
| Loan loss allowance to noncurrent loans | 86.6185% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 3,552 |
| Noncurrent loans to loans | 1.5095% | 2,905 |
| Net loans and leases to total assets | 65.3412% | 2,747 |
| Net loans and leases to deposits | 81.8867% | 2,154 |
| Net loans and leases to core deposits | 93.4748% | 1,623 |
| Total domestic deposits to total assets | 79.7947% | 5,562 |
| Equity capital to assets | 7.9357% | 6,189 |
| Core capital (leverage) ratio | 6.9444% | 6,595 |
| Tier 1 risk-based capital ratio | 9.8238% | 6,633 |
| Total risk-based capital ratio | 11.0742% | 6,614 |
| Memoranda: | ||
| Average total assets | $696,210,000 | 954 |
| Average earning assets | $653,670,500 | 927 |
| Average equity | $56,503,250 | 1,273 |
| Average total loans | $450,082,250 | 953 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,996 |
| Cost of funding earning assets | 0.4944% | 3,951 |
| Net interest margin | 3.2520% | 4,767 |
| Noninterest income to average assets | 0.7875% | 2,251 |
| Noninterest expense to average assets | 3.0250% | 2,921 |
| Loan and lease loss provision to assets | 0.1015% | 3,101 |
| Net operating income to assets | 0.6541% | 4,042 |
| Return on assets (ROA) | 0.6541% | 4,207 |
| Pretax return on assets | 0.7491% | 4,506 |
| Return on Equity (ROE) | 7.9972% | 3,102 |
| Retained earnings to average equity (ytd only) | 4.4429% | 3,444 |
| Net charge-offs to loans | 0.1401% | 2,982 |
| Credit loss provision to net charge-offs | 112.9450% | 1,957 |
| Earnings coverage of net charge-offs (x) | 9.4693% | 2,280 |
| Efficiency ratio | 78.0528% | 2,443 |
| Assets per employee ($millions) | 5.9446% | 1,239 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,383 |
| Loan loss allowance to noncurrent loans | 100.4115% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 3,925 |
| Noncurrent loans to loans | 1.3185% | 3,352 |
| Net loans and leases to total assets | 65.9416% | 2,608 |
| Net loans and leases to deposits | 85.8839% | 1,590 |
| Net loans and leases to core deposits | 94.7226% | 1,459 |
| Total domestic deposits to total assets | 76.7799% | 6,157 |
| Equity capital to assets | 8.1324% | 6,108 |
| Core capital (leverage) ratio | 7.1648% | 6,574 |
| Tier 1 risk-based capital ratio | 10.8315% | 6,403 |
| Total risk-based capital ratio | 12.0837% | 6,373 |
| Memoranda: | ||
| Average total assets | $687,998,330 | 969 |
| Average earning assets | $653,312,330 | 924 |
| Average equity | $56,269,670 | 1,283 |
| Average total loans | $441,026,670 | 969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 5,156 |
| Cost of funding earning assets | 0.5130% | 3,943 |
| Net interest margin | 3.1887% | 4,963 |
| Noninterest income to average assets | 0.8102% | 2,087 |
| Noninterest expense to average assets | 2.9866% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7084% | 3,651 |
| Return on assets (ROA) | 0.7084% | 3,787 |
| Pretax return on assets | 0.8411% | 3,995 |
| Return on Equity (ROE) | 8.6366% | 2,653 |
| Retained earnings to average equity (ytd only) | 1.5400% | 5,217 |
| Net charge-offs to loans | 0.0807% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 16.6092% | 1,359 |
| Efficiency ratio | 78.0262% | 2,605 |
| Assets per employee ($millions) | 6.2741% | 1,089 |
| Cash dividends to net income (ytd only)* | 82.1693% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,357 |
| Loan loss allowance to noncurrent loans | 95.2639% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 3,981 |
| Noncurrent loans to loans | 1.4427% | 3,401 |
| Net loans and leases to total assets | 62.1169% | 3,039 |
| Net loans and leases to deposits | 82.1509% | 1,807 |
| Net loans and leases to core deposits | 90.3077% | 1,674 |
| Total domestic deposits to total assets | 75.6131% | 6,401 |
| Equity capital to assets | 8.1723% | 6,275 |
| Core capital (leverage) ratio | 6.8778% | 6,677 |
| Tier 1 risk-based capital ratio | 11.3385% | 6,263 |
| Total risk-based capital ratio | 12.5915% | 6,238 |
| Memoranda: | ||
| Average total assets | $687,210,500 | 979 |
| Average earning assets | $650,301,500 | 935 |
| Average equity | $56,365,000 | 1,295 |
| Average total loans | $431,131,500 | 994 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 4,994 |
| Cost of funding earning assets | 0.5738% | 4,598 |
| Net interest margin | 3.5131% | 4,443 |
| Noninterest income to average assets | 0.8523% | 2,028 |
| Noninterest expense to average assets | 2.8723% | 3,753 |
| Loan and lease loss provision to assets | 0.1531% | 3,697 |
| Net operating income to assets | 0.8838% | 2,896 |
| Return on assets (ROA) | 0.9978% | 2,569 |
| Pretax return on assets | 1.3068% | 2,370 |
| Return on Equity (ROE) | 11.6849% | 1,601 |
| Retained earnings to average equity (ytd only) | 1.1674% | 5,287 |
| Net charge-offs to loans | 0.2316% | 3,549 |
| Credit loss provision to net charge-offs | 106.6736% | 2,781 |
| Earnings coverage of net charge-offs (x) | 9.1251% | 2,306 |
| Efficiency ratio | 68.6782% | 4,025 |
| Assets per employee ($millions) | 6.8428% | 835 |
| Cash dividends to net income (ytd only)* | 90.0090% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 4,085 |
| Loan loss allowance to noncurrent loans | 109.8405% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 4,256 |
| Noncurrent loans to loans | 1.2905% | 3,678 |
| Net loans and leases to total assets | 61.6026% | 3,317 |
| Net loans and leases to deposits | 78.2378% | 2,488 |
| Net loans and leases to core deposits | 85.8155% | 2,333 |
| Total domestic deposits to total assets | 78.7376% | 5,946 |
| Equity capital to assets | 8.2319% | 6,255 |
| Core capital (leverage) ratio | 7.1084% | 6,667 |
| Tier 1 risk-based capital ratio | 11.5169% | 6,090 |
| Total risk-based capital ratio | 12.7708% | 6,053 |
| Memoranda: | ||
| Average total assets | $668,041,000 | 987 |
| Average earning assets | $633,200,400 | 948 |
| Average equity | $57,047,800 | 1,246 |
| Average total loans | $414,046,800 | 1,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 5,087 |
| Cost of funding earning assets | 0.5752% | 4,871 |
| Net interest margin | 3.5530% | 4,429 |
| Noninterest income to average assets | 0.8183% | 2,162 |
| Noninterest expense to average assets | 2.8902% | 3,642 |
| Loan and lease loss provision to assets | 0.1616% | 3,490 |
| Net operating income to assets | 0.8672% | 3,146 |
| Return on assets (ROA) | 1.0215% | 2,630 |
| Pretax return on assets | 1.3484% | 2,415 |
| Return on Equity (ROE) | 11.8518% | 1,682 |
| Retained earnings to average equity (ytd only) | 1.3676% | 5,627 |
| Net charge-offs to loans | 0.1782% | 3,681 |
| Credit loss provision to net charge-offs | 146.6302% | 1,944 |
| Earnings coverage of net charge-offs (x) | 11.8561% | 2,048 |
| Efficiency ratio | 68.8594% | 3,901 |
| Assets per employee ($millions) | 6.6927% | 867 |
| Cash dividends to net income (ytd only)* | 88.4607% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 4,034 |
| Loan loss allowance to noncurrent loans | 123.7483% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 4,603 |
| Noncurrent loans to loans | 1.1953% | 4,063 |
| Net loans and leases to total assets | 60.4197% | 3,691 |
| Net loans and leases to deposits | 79.3356% | 2,495 |
| Net loans and leases to core deposits | 87.1743% | 2,320 |
| Total domestic deposits to total assets | 76.1571% | 6,361 |
| Equity capital to assets | 8.3316% | 6,400 |
| Core capital (leverage) ratio | 7.0837% | 6,781 |
| Tier 1 risk-based capital ratio | 11.7235% | 6,100 |
| Total risk-based capital ratio | 12.9783% | 6,080 |
| Memoranda: | ||
| Average total assets | $663,982,500 | 992 |
| Average earning assets | $631,456,250 | 960 |
| Average equity | $57,227,500 | 1,250 |
| Average total loans | $410,660,500 | 1,027 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 4,969 |
| Cost of funding earning assets | 0.5811% | 5,065 |
| Net interest margin | 3.6147% | 4,199 |
| Noninterest income to average assets | 0.8311% | 2,050 |
| Noninterest expense to average assets | 2.9326% | 3,501 |
| Loan and lease loss provision to assets | 0.1083% | 4,168 |
| Net operating income to assets | 0.9067% | 2,883 |
| Return on assets (ROA) | 1.1350% | 2,147 |
| Pretax return on assets | 1.5319% | 1,771 |
| Return on Equity (ROE) | 13.0164% | 1,360 |
| Retained earnings to average equity (ytd only) | 2.5193% | 4,927 |
| Net charge-offs to loans | 0.2459% | 3,100 |
| Credit loss provision to net charge-offs | 71.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 8.7300% | 2,251 |
| Efficiency ratio | 68.7701% | 3,978 |
| Assets per employee ($millions) | 6.0799% | 1,186 |
| Cash dividends to net income (ytd only)* | 80.6452% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 4,436 |
| Loan loss allowance to noncurrent loans | 121.4360% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 4,543 |
| Noncurrent loans to loans | 1.1589% | 4,221 |
| Net loans and leases to total assets | 64.2194% | 2,985 |
| Net loans and leases to deposits | 84.8900% | 1,733 |
| Net loans and leases to core deposits | 87.7724% | 2,235 |
| Total domestic deposits to total assets | 75.6500% | 6,507 |
| Equity capital to assets | 8.9914% | 5,709 |
| Core capital (leverage) ratio | 7.4571% | 6,641 |
| Tier 1 risk-based capital ratio | 11.8109% | 6,049 |
| Total risk-based capital ratio | 13.0646% | 6,023 |
| Memoranda: | ||
| Average total assets | $655,526,670 | 1,010 |
| Average earning assets | $622,622,670 | 968 |
| Average equity | $57,158,670 | 1,249 |
| Average total loans | $406,628,670 | 1,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 5,297 |
| Cost of funding earning assets | 0.5914% | 5,201 |
| Net interest margin | 3.5534% | 4,473 |
| Noninterest income to average assets | 0.7836% | 2,244 |
| Noninterest expense to average assets | 2.8966% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8987% | 2,924 |
| Return on assets (ROA) | 1.3372% | 1,519 |
| Pretax return on assets | 1.8690% | 936 |
| Return on Equity (ROE) | 15.5686% | 873 |
| Retained earnings to average equity (ytd only) | 5.0493% | 3,528 |
| Net charge-offs to loans | -0.0109% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6856% | 3,869 |
| Assets per employee ($millions) | 6.4151% | 1,028 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,251 |
| Loan loss allowance to noncurrent loans | 103.9260% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,489 |
| Noncurrent loans to loans | 1.4247% | 3,972 |
| Net loans and leases to total assets | 60.5135% | 3,552 |
| Net loans and leases to deposits | 82.9998% | 1,795 |
| Net loans and leases to core deposits | 85.7709% | 2,318 |
| Total domestic deposits to total assets | 72.9080% | 6,836 |
| Equity capital to assets | 8.6279% | 5,955 |
| Core capital (leverage) ratio | 7.1476% | 6,783 |
| Tier 1 risk-based capital ratio | 12.1736% | 5,849 |
| Total risk-based capital ratio | 13.4282% | 5,818 |
| Memoranda: | ||
| Average total assets | $664,096,500 | 991 |
| Average earning assets | $630,380,000 | 955 |
| Average equity | $57,038,000 | 1,243 |
| Average total loans | $402,033,000 | 1,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 5,597 |
| Cost of funding earning assets | 0.8172% | 4,729 |
| Net interest margin | 3.5346% | 5,002 |
| Noninterest income to average assets | 0.6915% | 2,654 |
| Noninterest expense to average assets | 2.7245% | 4,646 |
| Loan and lease loss provision to assets | 0.2703% | 3,512 |
| Net operating income to assets | 0.8228% | 2,941 |
| Return on assets (ROA) | 0.8342% | 3,058 |
| Pretax return on assets | 1.0652% | 2,980 |
| Return on Equity (ROE) | 9.6180% | 2,202 |
| Retained earnings to average equity (ytd only) | -0.8820% | 5,983 |
| Net charge-offs to loans | 0.2777% | 4,036 |
| Credit loss provision to net charge-offs | 167.8605% | 1,606 |
| Earnings coverage of net charge-offs (x) | 8.2026% | 2,191 |
| Efficiency ratio | 67.3482% | 4,505 |
| Assets per employee ($millions) | 6.2966% | 1,053 |
| Cash dividends to net income (ytd only)* | 109.1703% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,993 |
| Loan loss allowance to noncurrent loans | 90.0586% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 4,282 |
| Noncurrent loans to loans | 1.6722% | 3,655 |
| Net loans and leases to total assets | 58.7641% | 4,233 |
| Net loans and leases to deposits | 80.3330% | 2,463 |
| Net loans and leases to core deposits | 82.8995% | 3,041 |
| Total domestic deposits to total assets | 73.1507% | 6,794 |
| Equity capital to assets | 8.5501% | 6,072 |
| Core capital (leverage) ratio | 7.1224% | 6,823 |
| Tier 1 risk-based capital ratio | 12.2391% | 5,653 |
| Total risk-based capital ratio | 13.4942% | 5,625 |
| Memoranda: | ||
| Average total assets | $658,866,600 | 982 |
| Average earning assets | $625,198,000 | 946 |
| Average equity | $57,142,800 | 1,189 |
| Average total loans | $382,016,000 | 1,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 5,689 |
| Cost of funding earning assets | 0.8559% | 4,729 |
| Net interest margin | 3.5184% | 5,111 |
| Noninterest income to average assets | 0.6604% | 2,821 |
| Noninterest expense to average assets | 2.7067% | 4,698 |
| Loan and lease loss provision to assets | 0.2696% | 3,348 |
| Net operating income to assets | 0.8007% | 3,162 |
| Return on assets (ROA) | 0.8159% | 3,246 |
| Pretax return on assets | 1.0460% | 3,230 |
| Return on Equity (ROE) | 9.3743% | 2,438 |
| Retained earnings to average equity (ytd only) | -1.1219% | 6,173 |
| Net charge-offs to loans | 0.2109% | 4,113 |
| Credit loss provision to net charge-offs | 222.0736% | 1,286 |
| Earnings coverage of net charge-offs (x) | 10.6756% | 1,891 |
| Efficiency ratio | 67.6202% | 4,397 |
| Assets per employee ($millions) | 6.1820% | 1,099 |
| Cash dividends to net income (ytd only)* | 111.9682% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,894 |
| Loan loss allowance to noncurrent loans | 105.4785% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 4,665 |
| Noncurrent loans to loans | 1.4678% | 4,096 |
| Net loans and leases to total assets | 56.6868% | 4,732 |
| Net loans and leases to deposits | 77.2333% | 3,132 |
| Net loans and leases to core deposits | 79.7601% | 3,674 |
| Total domestic deposits to total assets | 73.3968% | 6,822 |
| Equity capital to assets | 8.5534% | 6,245 |
| Core capital (leverage) ratio | 7.0106% | 6,959 |
| Tier 1 risk-based capital ratio | 12.3926% | 5,587 |
| Total risk-based capital ratio | 13.6481% | 5,570 |
| Memoranda: | ||
| Average total assets | $656,723,000 | 994 |
| Average earning assets | $623,875,250 | 956 |
| Average equity | $57,161,750 | 1,187 |
| Average total loans | $377,966,750 | 1,137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 5,545 |
| Cost of funding earning assets | 0.8827% | 4,811 |
| Net interest margin | 3.5604% | 4,882 |
| Noninterest income to average assets | 0.6943% | 2,582 |
| Noninterest expense to average assets | 2.7363% | 4,672 |
| Loan and lease loss provision to assets | 0.2719% | 3,219 |
| Net operating income to assets | 0.8175% | 2,995 |
| Return on assets (ROA) | 0.8402% | 3,002 |
| Pretax return on assets | 1.0934% | 2,878 |
| Return on Equity (ROE) | 9.5959% | 2,270 |
| Retained earnings to average equity (ytd only) | -0.9298% | 6,037 |
| Net charge-offs to loans | 0.2792% | 3,488 |
| Credit loss provision to net charge-offs | 169.2161% | 1,783 |
| Earnings coverage of net charge-offs (x) | 8.3136% | 2,080 |
| Efficiency ratio | 67.1973% | 4,664 |
| Assets per employee ($millions) | 6.0259% | 1,174 |
| Cash dividends to net income (ytd only)* | 109.6892% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 4,159 |
| Loan loss allowance to noncurrent loans | 101.9158% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 4,493 |
| Noncurrent loans to loans | 1.4660% | 4,223 |
| Net loans and leases to total assets | 57.6607% | 4,696 |
| Net loans and leases to deposits | 77.4588% | 3,224 |
| Net loans and leases to core deposits | 80.1469% | 3,764 |
| Total domestic deposits to total assets | 74.4406% | 6,790 |
| Equity capital to assets | 8.8758% | 5,736 |
| Core capital (leverage) ratio | 7.3146% | 6,857 |
| Tier 1 risk-based capital ratio | 12.6104% | 5,250 |
| Total risk-based capital ratio | 13.8649% | 5,217 |
| Memoranda: | ||
| Average total assets | $651,017,000 | 1,011 |
| Average earning assets | $617,622,000 | 970 |
| Average equity | $57,003,670 | 1,177 |
| Average total loans | $374,627,000 | 1,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 5,610 |
| Cost of funding earning assets | 0.9061% | 4,875 |
| Net interest margin | 3.5173% | 4,929 |
| Noninterest income to average assets | 0.7130% | 2,496 |
| Noninterest expense to average assets | 2.7352% | 4,699 |
| Loan and lease loss provision to assets | 0.2709% | 2,982 |
| Net operating income to assets | 0.8020% | 3,022 |
| Return on assets (ROA) | 0.8114% | 3,035 |
| Pretax return on assets | 1.0567% | 2,915 |
| Return on Equity (ROE) | 9.3300% | 2,337 |
| Retained earnings to average equity (ytd only) | -1.2164% | 6,029 |
| Net charge-offs to loans | 0.0718% | 4,217 |
| Credit loss provision to net charge-offs | 661.1940% | 572 |
| Earnings coverage of net charge-offs (x) | 32.1045% | 797 |
| Efficiency ratio | 67.5272% | 4,749 |
| Assets per employee ($millions) | 6.0855% | 1,146 |
| Cash dividends to net income (ytd only)* | 113.0369% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 4,165 |
| Loan loss allowance to noncurrent loans | 100.8024% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,520 |
| Noncurrent loans to loans | 1.4972% | 4,225 |
| Net loans and leases to total assets | 56.6539% | 4,881 |
| Net loans and leases to deposits | 78.3208% | 3,005 |
| Net loans and leases to core deposits | 81.0816% | 3,596 |
| Total domestic deposits to total assets | 72.3357% | 7,055 |
| Equity capital to assets | 8.7086% | 5,647 |
| Core capital (leverage) ratio | 7.1585% | 6,936 |
| Tier 1 risk-based capital ratio | 12.1597% | 5,543 |
| Total risk-based capital ratio | 13.4134% | 5,533 |
| Memoranda: | ||
| Average total assets | $654,141,500 | 1,015 |
| Average earning assets | $620,705,500 | 975 |
| Average equity | $56,891,500 | 1,171 |
| Average total loans | $373,232,000 | 1,186 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 5,869 |
| Cost of funding earning assets | 1.1119% | 5,072 |
| Net interest margin | 3.5664% | 4,975 |
| Noninterest income to average assets | 0.7994% | 2,292 |
| Noninterest expense to average assets | 2.6950% | 5,014 |
| Loan and lease loss provision to assets | 0.5799% | 2,813 |
| Net operating income to assets | 0.6799% | 3,299 |
| Return on assets (ROA) | 0.9401% | 2,365 |
| Pretax return on assets | 1.2559% | 2,062 |
| Return on Equity (ROE) | 10.6895% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.1620% | 2,936 |
| Net charge-offs to loans | 1.0530% | 2,096 |
| Credit loss provision to net charge-offs | 93.8088% | 4,958 |
| Earnings coverage of net charge-offs (x) | 2.4086% | 3,925 |
| Efficiency ratio | 64.4140% | 5,279 |
| Assets per employee ($millions) | 5.8153% | 1,344 |
| Cash dividends to net income (ytd only)* | 61.0650% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,428 |
| Loan loss allowance to noncurrent loans | 87.8914% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 4,685 |
| Noncurrent loans to loans | 1.6144% | 4,083 |
| Net loans and leases to total assets | 55.7927% | 5,375 |
| Net loans and leases to deposits | 75.6258% | 3,900 |
| Net loans and leases to core deposits | 78.2902% | 4,423 |
| Total domestic deposits to total assets | 73.7748% | 6,920 |
| Equity capital to assets | 8.6857% | 5,608 |
| Core capital (leverage) ratio | 7.4161% | 6,772 |
| Tier 1 risk-based capital ratio | 12.5146% | 5,011 |
| Total risk-based capital ratio | 13.7675% | 4,995 |
| Memoranda: | ||
| Average total assets | $653,254,400 | 1,022 |
| Average earning assets | $619,925,000 | 974 |
| Average equity | $57,449,000 | 1,155 |
| Average total loans | $383,467,400 | 1,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 5,920 |
| Cost of funding earning assets | 1.1574% | 5,102 |
| Net interest margin | 3.5703% | 5,016 |
| Noninterest income to average assets | 0.7898% | 2,288 |
| Noninterest expense to average assets | 2.6673% | 5,014 |
| Loan and lease loss provision to assets | 0.5774% | 2,623 |
| Net operating income to assets | 0.6842% | 3,498 |
| Return on assets (ROA) | 1.0269% | 2,254 |
| Pretax return on assets | 1.3967% | 1,885 |
| Return on Equity (ROE) | 11.6411% | 1,607 |
| Retained earnings to average equity (ytd only) | 8.7447% | 1,139 |
| Net charge-offs to loans | 1.0739% | 1,886 |
| Credit loss provision to net charge-offs | 90.7776% | 4,735 |
| Earnings coverage of net charge-offs (x) | 2.3753% | 3,988 |
| Efficiency ratio | 63.8374% | 5,273 |
| Assets per employee ($millions) | 5.5782% | 1,554 |
| Cash dividends to net income (ytd only)* | 24.8806% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 4,553 |
| Loan loss allowance to noncurrent loans | 69.2247% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.3007% | 4,544 |
| Noncurrent loans to loans | 1.9991% | 3,679 |
| Net loans and leases to total assets | 57.2262% | 5,372 |
| Net loans and leases to deposits | 78.6564% | 3,698 |
| Net loans and leases to core deposits | 81.5813% | 4,303 |
| Total domestic deposits to total assets | 72.7547% | 7,057 |
| Equity capital to assets | 9.0495% | 5,509 |
| Core capital (leverage) ratio | 7.4138% | 6,918 |
| Tier 1 risk-based capital ratio | 12.5859% | 4,910 |
| Total risk-based capital ratio | 13.8383% | 4,882 |
| Memoranda: | ||
| Average total assets | $652,284,500 | 1,034 |
| Average earning assets | $619,052,000 | 985 |
| Average equity | $57,542,000 | 1,155 |
| Average total loans | $386,356,750 | 1,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 5,934 |
| Cost of funding earning assets | 1.1870% | 5,198 |
| Net interest margin | 3.5721% | 4,939 |
| Noninterest income to average assets | 0.7854% | 2,207 |
| Noninterest expense to average assets | 2.6598% | 5,082 |
| Loan and lease loss provision to assets | 0.4753% | 2,936 |
| Net operating income to assets | 0.7394% | 3,240 |
| Return on assets (ROA) | 1.2328% | 1,538 |
| Pretax return on assets | 1.7339% | 990 |
| Return on Equity (ROE) | 14.0964% | 1,025 |
| Retained earnings to average equity (ytd only) | 14.0964% | 304 |
| Net charge-offs to loans | 0.6603% | 2,563 |
| Credit loss provision to net charge-offs | 120.7165% | 3,357 |
| Earnings coverage of net charge-offs (x) | 3.8458% | 3,156 |
| Efficiency ratio | 63.7205% | 5,384 |
| Assets per employee ($millions) | 5.3686% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,979 |
| Loan loss allowance to noncurrent loans | 77.9048% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 4,738 |
| Noncurrent loans to loans | 1.9145% | 3,847 |
| Net loans and leases to total assets | 58.9014% | 5,266 |
| Net loans and leases to deposits | 79.2795% | 3,740 |
| Net loans and leases to core deposits | 82.6186% | 4,327 |
| Total domestic deposits to total assets | 74.2959% | 6,943 |
| Equity capital to assets | 9.1035% | 5,289 |
| Core capital (leverage) ratio | 7.5241% | 6,807 |
| Tier 1 risk-based capital ratio | 12.2056% | 5,124 |
| Total risk-based capital ratio | 13.4591% | 5,088 |
| Memoranda: | ||
| Average total assets | $652,164,330 | 1,039 |
| Average earning assets | $618,683,330 | 993 |
| Average equity | $57,035,670 | 1,158 |
| Average total loans | $388,900,670 | 1,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 5,710 |
| Cost of funding earning assets | 1.2175% | 5,298 |
| Net interest margin | 3.6260% | 4,595 |
| Noninterest income to average assets | 0.7762% | 2,143 |
| Noninterest expense to average assets | 2.6126% | 5,300 |
| Loan and lease loss provision to assets | 0.3214% | 3,490 |
| Net operating income to assets | 0.8873% | 2,603 |
| Return on assets (ROA) | 1.4575% | 1,044 |
| Pretax return on assets | 2.1015% | 508 |
| Return on Equity (ROE) | 17.0115% | 606 |
| Retained earnings to average equity (ytd only) | 17.0115% | 285 |
| Net charge-offs to loans | 0.2364% | 3,520 |
| Credit loss provision to net charge-offs | 228.2609% | 1,667 |
| Earnings coverage of net charge-offs (x) | 11.3391% | 1,654 |
| Efficiency ratio | 62.0710% | 5,818 |
| Assets per employee ($millions) | 5.4442% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,895 |
| Loan loss allowance to noncurrent loans | 101.9254% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 5,269 |
| Noncurrent loans to loans | 1.4747% | 4,528 |
| Net loans and leases to total assets | 57.9247% | 5,452 |
| Net loans and leases to deposits | 79.3545% | 3,773 |
| Net loans and leases to core deposits | 82.7839% | 4,385 |
| Total domestic deposits to total assets | 72.9948% | 7,163 |
| Equity capital to assets | 8.6817% | 5,757 |
| Core capital (leverage) ratio | 7.0942% | 7,180 |
| Tier 1 risk-based capital ratio | 11.6385% | 5,542 |
| Total risk-based capital ratio | 12.8918% | 5,499 |
| Memoranda: | ||
| Average total assets | $653,448,500 | 1,058 |
| Average earning assets | $618,651,500 | 1,015 |
| Average equity | $55,985,500 | 1,186 |
| Average total loans | $389,144,000 | 1,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 5,318 |
| Cost of funding earning assets | 1.5518% | 5,269 |
| Net interest margin | 3.7198% | 4,046 |
| Noninterest income to average assets | 0.9253% | 1,844 |
| Noninterest expense to average assets | 2.8087% | 4,943 |
| Loan and lease loss provision to assets | 0.3711% | 4,561 |
| Net operating income to assets | 0.9162% | 2,124 |
| Return on assets (ROA) | 1.1220% | 1,494 |
| Pretax return on assets | 1.5595% | 1,055 |
| Return on Equity (ROE) | 13.5729% | 859 |
| Retained earnings to average equity (ytd only) | 8.7815% | 531 |
| Net charge-offs to loans | 0.3494% | 4,482 |
| Credit loss provision to net charge-offs | 168.6105% | 2,545 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,137 |
| Efficiency ratio | 63.0688% | 5,953 |
| Assets per employee ($millions) | 5.3126% | 1,827 |
| Cash dividends to net income (ytd only)* | 35.3008% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,153 |
| Loan loss allowance to noncurrent loans | 103.3464% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 5,352 |
| Noncurrent loans to loans | 1.3684% | 4,637 |
| Net loans and leases to total assets | 59.4554% | 5,425 |
| Net loans and leases to deposits | 76.7940% | 4,608 |
| Net loans and leases to core deposits | 86.0790% | 5,514 |
| Total domestic deposits to total assets | 77.4220% | 6,364 |
| Equity capital to assets | 8.4518% | 5,968 |
| Core capital (leverage) ratio | 7.0071% | 7,232 |
| Tier 1 risk-based capital ratio | 11.0731% | 5,852 |
| Total risk-based capital ratio | 12.3254% | 5,809 |
| Memoranda: | ||
| Average total assets | $631,176,200 | 1,100 |
| Average earning assets | $598,663,400 | 1,044 |
| Average equity | $52,177,600 | 1,278 |
| Average total loans | $397,497,000 | 1,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2899% | 5,483 |
| Cost of funding earning assets | 1.6044% | 5,381 |
| Net interest margin | 3.6855% | 4,136 |
| Noninterest income to average assets | 0.9455% | 1,795 |
| Noninterest expense to average assets | 2.8111% | 4,845 |
| Loan and lease loss provision to assets | 0.4147% | 3,834 |
| Net operating income to assets | 0.8742% | 2,523 |
| Return on assets (ROA) | 1.1505% | 1,653 |
| Pretax return on assets | 1.6069% | 1,160 |
| Return on Equity (ROE) | 13.9988% | 930 |
| Retained earnings to average equity (ytd only) | 7.5298% | 1,303 |
| Net charge-offs to loans | 0.2843% | 4,255 |
| Credit loss provision to net charge-offs | 229.1422% | 1,904 |
| Earnings coverage of net charge-offs (x) | 9.0493% | 2,157 |
| Efficiency ratio | 63.1866% | 5,893 |
| Assets per employee ($millions) | 5.2779% | 1,809 |
| Cash dividends to net income (ytd only)* | 46.2107% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 3,803 |
| Loan loss allowance to noncurrent loans | 106.1156% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 5,322 |
| Noncurrent loans to loans | 1.3441% | 4,689 |
| Net loans and leases to total assets | 59.4367% | 5,674 |
| Net loans and leases to deposits | 79.5963% | 4,457 |
| Net loans and leases to core deposits | 90.6009% | 5,384 |
| Total domestic deposits to total assets | 74.6726% | 6,832 |
| Equity capital to assets | 8.0873% | 6,759 |
| Core capital (leverage) ratio | 6.6092% | 7,626 |
| Tier 1 risk-based capital ratio | 10.3162% | 6,660 |
| Total risk-based capital ratio | 11.5685% | 6,604 |
| Memoranda: | ||
| Average total assets | $626,934,500 | 1,121 |
| Average earning assets | $595,943,500 | 1,068 |
| Average equity | $51,527,000 | 1,313 |
| Average total loans | $399,150,250 | 1,222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 5,235 |
| Cost of funding earning assets | 1.6508% | 5,507 |
| Net interest margin | 3.7321% | 3,824 |
| Noninterest income to average assets | 0.9854% | 1,645 |
| Noninterest expense to average assets | 2.8994% | 4,501 |
| Loan and lease loss provision to assets | 0.3127% | 4,070 |
| Net operating income to assets | 0.9196% | 2,379 |
| Return on assets (ROA) | 1.3299% | 1,237 |
| Pretax return on assets | 1.8997% | 694 |
| Return on Equity (ROE) | 16.0887% | 682 |
| Retained earnings to average equity (ytd only) | 6.2689% | 1,897 |
| Net charge-offs to loans | 0.2823% | 3,778 |
| Credit loss provision to net charge-offs | 170.7447% | 2,693 |
| Earnings coverage of net charge-offs (x) | 8.8812% | 2,204 |
| Efficiency ratio | 64.0649% | 5,903 |
| Assets per employee ($millions) | 4.9593% | 2,129 |
| Cash dividends to net income (ytd only)* | 61.0352% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 4,833 |
| Loan loss allowance to noncurrent loans | 83.9042% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 5,084 |
| Noncurrent loans to loans | 1.4486% | 4,324 |
| Net loans and leases to total assets | 64.6837% | 4,840 |
| Net loans and leases to deposits | 86.1017% | 3,536 |
| Net loans and leases to core deposits | 98.9427% | 4,605 |
| Total domestic deposits to total assets | 75.1247% | 6,741 |
| Equity capital to assets | 8.1996% | 6,491 |
| Core capital (leverage) ratio | 6.7405% | 7,684 |
| Tier 1 risk-based capital ratio | 10.1139% | 6,811 |
| Total risk-based capital ratio | 11.3642% | 6,736 |
| Memoranda: | ||
| Average total assets | $615,999,000 | 1,157 |
| Average earning assets | $584,339,000 | 1,113 |
| Average equity | $50,917,670 | 1,344 |
| Average total loans | $399,599,670 | 1,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 4,883 |
| Cost of funding earning assets | 1.6836% | 5,667 |
| Net interest margin | 3.8220% | 3,365 |
| Noninterest income to average assets | 0.8562% | 2,051 |
| Noninterest expense to average assets | 2.7549% | 4,759 |
| Loan and lease loss provision to assets | 0.2819% | 3,704 |
| Net operating income to assets | 0.9717% | 2,434 |
| Return on assets (ROA) | 1.7745% | 614 |
| Pretax return on assets | 2.6215% | 205 |
| Return on Equity (ROE) | 21.3799% | 336 |
| Retained earnings to average equity (ytd only) | 9.5591% | 1,319 |
| Net charge-offs to loans | 0.1834% | 3,532 |
| Credit loss provision to net charge-offs | 238.1215% | 1,950 |
| Earnings coverage of net charge-offs (x) | 14.5525% | 1,661 |
| Efficiency ratio | 61.5250% | 6,144 |
| Assets per employee ($millions) | 5.1903% | 1,856 |
| Cash dividends to net income (ytd only)* | 55.2893% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 4,786 |
| Loan loss allowance to noncurrent loans | 77.3361% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,695 |
| Noncurrent loans to loans | 1.5551% | 3,949 |
| Net loans and leases to total assets | 63.6380% | 5,049 |
| Net loans and leases to deposits | 85.7572% | 3,673 |
| Net loans and leases to core deposits | 97.7436% | 4,768 |
| Total domestic deposits to total assets | 74.2072% | 6,849 |
| Equity capital to assets | 8.2347% | 6,489 |
| Core capital (leverage) ratio | 6.9274% | 7,678 |
| Tier 1 risk-based capital ratio | 10.1628% | 6,750 |
| Total risk-based capital ratio | 11.4128% | 6,657 |
| Memoranda: | ||
| Average total assets | $611,563,500 | 1,166 |
| Average earning assets | $579,489,500 | 1,127 |
| Average equity | $50,758,000 | 1,351 |
| Average total loans | $394,818,500 | 1,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2106% | 4,462 |
| Cost of funding earning assets | 2.2876% | 5,215 |
| Net interest margin | 3.9230% | 3,471 |
| Noninterest income to average assets | 0.8867% | 2,019 |
| Noninterest expense to average assets | 2.6764% | 5,354 |
| Loan and lease loss provision to assets | 0.2986% | 3,990 |
| Net operating income to assets | 1.1741% | 1,861 |
| Return on assets (ROA) | 1.1741% | 1,789 |
| Pretax return on assets | 1.5960% | 1,393 |
| Return on Equity (ROE) | 13.9991% | 1,106 |
| Retained earnings to average equity (ytd only) | -2.0228% | 5,876 |
| Net charge-offs to loans | 0.2547% | 3,725 |
| Credit loss provision to net charge-offs | 184.0580% | 2,700 |
| Earnings coverage of net charge-offs (x) | 11.6770% | 2,346 |
| Efficiency ratio | 58.5507% | 6,597 |
| Assets per employee ($millions) | 4.9204% | 2,031 |
| Cash dividends to net income (ytd only)* | 114.4492% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,723 |
| Loan loss allowance to noncurrent loans | 139.3662% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 5,539 |
| Noncurrent loans to loans | 0.8449% | 4,937 |
| Net loans and leases to total assets | 63.9486% | 5,281 |
| Net loans and leases to deposits | 83.9207% | 4,431 |
| Net loans and leases to core deposits | 94.4363% | 5,409 |
| Total domestic deposits to total assets | 76.2012% | 6,193 |
| Equity capital to assets | 8.3671% | 6,312 |
| Core capital (leverage) ratio | 6.7225% | 7,852 |
| Tier 1 risk-based capital ratio | 10.1040% | 6,624 |
| Total risk-based capital ratio | 11.3290% | 6,526 |
| Memoranda: | ||
| Average total assets | $595,363,000 | 1,134 |
| Average earning assets | $559,144,400 | 1,104 |
| Average equity | $49,931,800 | 1,356 |
| Average total loans | $379,248,600 | 1,281 |