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 | 4.1270% | 3,262 |
| Cost of funding earning assets | 0.2558% | 5,344 |
| Net interest margin | 3.8712% | 2,346 |
| Noninterest income to average assets | 0.5529% | 3,188 |
| Noninterest expense to average assets | 2.2677% | 5,188 |
| Loan and lease loss provision to assets | 0.2320% | 948 |
| Net operating income to assets | 1.1419% | 1,887 |
| Return on assets (ROA) | 1.1419% | 1,956 |
| Pretax return on assets | 1.6836% | 1,103 |
| Return on Equity (ROE) | 11.0911% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.0911% | 500 |
| Net charge-offs to loans | -0.0413% | 5,842 |
| Credit loss provision to net charge-offs | -673.8281% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2094% | 5,798 |
| Assets per employee ($millions) | 9.2324% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,225 |
| Loan loss allowance to noncurrent loans | 190.5169% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 4,265 |
| Noncurrent loans to loans | 0.6296% | 4,038 |
| Net loans and leases to total assets | 83.8641% | 343 |
| Net loans and leases to deposits | 124.3194% | 69 |
| Net loans and leases to core deposits | 128.7346% | 247 |
| Total domestic deposits to total assets | 67.4586% | 6,366 |
| Equity capital to assets | 10.6138% | 3,414 |
| Core capital (leverage) ratio | 10.2319% | 3,367 |
| Tier 1 risk-based capital ratio | 11.4129% | 5,830 |
| Total risk-based capital ratio | 12.6155% | 5,788 |
| Memoranda: | ||
| Average total assets | $991,520,750 | 680 |
| Average earning assets | $929,818,500 | 660 |
| Average equity | $102,085,250 | 713 |
| Average total loans | $825,798,000 | 535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 3,469 |
| Cost of funding earning assets | 0.2602% | 5,384 |
| Net interest margin | 3.8093% | 2,537 |
| Noninterest income to average assets | 0.5398% | 3,209 |
| Noninterest expense to average assets | 2.2842% | 5,191 |
| Loan and lease loss provision to assets | 0.2812% | 720 |
| Net operating income to assets | 1.0568% | 2,094 |
| Return on assets (ROA) | 1.0568% | 2,171 |
| Pretax return on assets | 1.5449% | 1,410 |
| Return on Equity (ROE) | 10.3731% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.3731% | 638 |
| Net charge-offs to loans | -0.0500% | 5,874 |
| Credit loss provision to net charge-offs | -679.9020% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5731% | 5,786 |
| Assets per employee ($millions) | 9.0203% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,518 |
| Loan loss allowance to noncurrent loans | 146.5725% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 4,008 |
| Noncurrent loans to loans | 0.8050% | 3,693 |
| Net loans and leases to total assets | 80.9872% | 577 |
| Net loans and leases to deposits | 119.9157% | 87 |
| Net loans and leases to core deposits | 125.1567% | 282 |
| Total domestic deposits to total assets | 67.5368% | 6,439 |
| Equity capital to assets | 10.1659% | 3,878 |
| Core capital (leverage) ratio | 10.1767% | 3,372 |
| Tier 1 risk-based capital ratio | 11.1122% | 6,006 |
| Total risk-based capital ratio | 12.2782% | 5,979 |
| Memoranda: | ||
| Average total assets | $986,583,330 | 682 |
| Average earning assets | $924,733,670 | 664 |
| Average equity | $100,510,330 | 723 |
| Average total loans | $816,331,330 | 536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 3,289 |
| Cost of funding earning assets | 0.2764% | 5,321 |
| Net interest margin | 3.8227% | 2,377 |
| Noninterest income to average assets | 0.5100% | 3,331 |
| Noninterest expense to average assets | 2.3458% | 5,079 |
| Loan and lease loss provision to assets | 0.4329% | 375 |
| Net operating income to assets | 0.9157% | 2,572 |
| Return on assets (ROA) | 0.9157% | 2,644 |
| Pretax return on assets | 1.3176% | 2,037 |
| Return on Equity (ROE) | 8.9778% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.9778% | 1,257 |
| Net charge-offs to loans | -0.0967% | 6,102 |
| Credit loss provision to net charge-offs | -538.4615% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2665% | 5,725 |
| Assets per employee ($millions) | 8.3630% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,686 |
| Loan loss allowance to noncurrent loans | 209.9338% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,715 |
| Noncurrent loans to loans | 0.5665% | 4,461 |
| Net loans and leases to total assets | 82.1621% | 344 |
| Net loans and leases to deposits | 107.1912% | 206 |
| Net loans and leases to core deposits | 113.8253% | 468 |
| Total domestic deposits to total assets | 76.6500% | 6,005 |
| Equity capital to assets | 10.4304% | 3,318 |
| Core capital (leverage) ratio | 10.1640% | 3,330 |
| Tier 1 risk-based capital ratio | 11.2991% | 6,018 |
| Total risk-based capital ratio | 12.4808% | 6,003 |
| Memoranda: | ||
| Average total assets | $970,228,500 | 694 |
| Average earning assets | $910,245,000 | 674 |
| Average equity | $98,955,500 | 735 |
| Average total loans | $806,820,000 | 539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 3,390 |
| Cost of funding earning assets | 0.3354% | 5,281 |
| Net interest margin | 3.8515% | 2,465 |
| Noninterest income to average assets | 0.5468% | 3,424 |
| Noninterest expense to average assets | 2.3903% | 5,100 |
| Loan and lease loss provision to assets | -0.0039% | 6,253 |
| Net operating income to assets | 1.2076% | 1,534 |
| Return on assets (ROA) | 1.2215% | 1,550 |
| Pretax return on assets | 1.8302% | 700 |
| Return on Equity (ROE) | 12.6320% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.6320% | 264 |
| Net charge-offs to loans | 0.0180% | 5,085 |
| Credit loss provision to net charge-offs | -26.2411% | 5,733 |
| Earnings coverage of net charge-offs (x) | 121.1773% | 389 |
| Efficiency ratio | 56.9687% | 5,856 |
| Assets per employee ($millions) | 8.4371% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 5,486 |
| Loan loss allowance to noncurrent loans | 193.0624% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 4,915 |
| Noncurrent loans to loans | 0.5260% | 4,676 |
| Net loans and leases to total assets | 82.3200% | 384 |
| Net loans and leases to deposits | 104.5015% | 307 |
| Net loans and leases to core deposits | 111.5370% | 556 |
| Total domestic deposits to total assets | 78.7740% | 5,695 |
| Equity capital to assets | 9.9720% | 3,807 |
| Core capital (leverage) ratio | 10.0024% | 3,575 |
| Tier 1 risk-based capital ratio | 10.9777% | 6,182 |
| Total risk-based capital ratio | 12.0078% | 6,229 |
| Memoranda: | ||
| Average total assets | $946,343,000 | 700 |
| Average earning assets | $896,558,200 | 663 |
| Average equity | $91,513,800 | 767 |
| Average total loans | $781,441,600 | 537 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,442 |
| Cost of funding earning assets | 0.3481% | 5,313 |
| Net interest margin | 3.8364% | 2,513 |
| Noninterest income to average assets | 0.5620% | 3,379 |
| Noninterest expense to average assets | 2.3764% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2060% | 1,609 |
| Return on assets (ROA) | 1.2247% | 1,623 |
| Pretax return on assets | 1.8603% | 777 |
| Return on Equity (ROE) | 12.7681% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.7681% | 357 |
| Net charge-offs to loans | 0.0271% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 82.1139% | 577 |
| Efficiency ratio | 56.4680% | 5,853 |
| Assets per employee ($millions) | 7.9625% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,525 |
| Loan loss allowance to noncurrent loans | 163.0264% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 4,834 |
| Noncurrent loans to loans | 0.6446% | 4,582 |
| Net loans and leases to total assets | 82.3254% | 344 |
| Net loans and leases to deposits | 104.4243% | 279 |
| Net loans and leases to core deposits | 111.1025% | 538 |
| Total domestic deposits to total assets | 78.8374% | 5,776 |
| Equity capital to assets | 9.8976% | 4,052 |
| Core capital (leverage) ratio | 10.0118% | 3,664 |
| Tier 1 risk-based capital ratio | 10.8617% | 6,343 |
| Total risk-based capital ratio | 11.9117% | 6,375 |
| Memoranda: | ||
| Average total assets | $938,251,500 | 708 |
| Average earning assets | $891,797,000 | 671 |
| Average equity | $89,993,000 | 790 |
| Average total loans | $773,317,500 | 542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 3,531 |
| Cost of funding earning assets | 0.3591% | 5,325 |
| Net interest margin | 3.7930% | 2,581 |
| Noninterest income to average assets | 0.5543% | 3,473 |
| Noninterest expense to average assets | 2.3870% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1762% | 1,653 |
| Return on assets (ROA) | 1.1769% | 1,758 |
| Pretax return on assets | 1.7847% | 959 |
| Return on Equity (ROE) | 12.4040% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.4040% | 438 |
| Net charge-offs to loans | 0.0091% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 238.2857% | 216 |
| Efficiency ratio | 57.2330% | 5,833 |
| Assets per employee ($millions) | 7.4617% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,492 |
| Loan loss allowance to noncurrent loans | 147.3537% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 4,643 |
| Noncurrent loans to loans | 0.7384% | 4,450 |
| Net loans and leases to total assets | 84.6525% | 201 |
| Net loans and leases to deposits | 102.8075% | 305 |
| Net loans and leases to core deposits | 109.1338% | 597 |
| Total domestic deposits to total assets | 82.3407% | 4,931 |
| Equity capital to assets | 10.0417% | 3,866 |
| Core capital (leverage) ratio | 9.7165% | 3,910 |
| Tier 1 risk-based capital ratio | 11.0142% | 6,325 |
| Total risk-based capital ratio | 12.1320% | 6,356 |
| Memoranda: | ||
| Average total assets | $935,155,000 | 712 |
| Average earning assets | $891,592,670 | 668 |
| Average equity | $88,729,330 | 798 |
| Average total loans | $768,306,000 | 541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,584 |
| Cost of funding earning assets | 0.3808% | 5,277 |
| Net interest margin | 3.7524% | 2,650 |
| Noninterest income to average assets | 0.5168% | 3,662 |
| Noninterest expense to average assets | 2.3042% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1736% | 1,600 |
| Return on assets (ROA) | 1.1736% | 1,712 |
| Pretax return on assets | 1.7799% | 922 |
| Return on Equity (ROE) | 12.7207% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.7207% | 592 |
| Net charge-offs to loans | 0.0110% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 201.5714% | 203 |
| Efficiency ratio | 56.4192% | 6,022 |
| Assets per employee ($millions) | 7.9373% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,485 |
| Loan loss allowance to noncurrent loans | 160.2359% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 4,956 |
| Noncurrent loans to loans | 0.7053% | 4,718 |
| Net loans and leases to total assets | 80.0266% | 418 |
| Net loans and leases to deposits | 94.8662% | 616 |
| Net loans and leases to core deposits | 100.5832% | 916 |
| Total domestic deposits to total assets | 84.3573% | 4,330 |
| Equity capital to assets | 9.6653% | 4,615 |
| Core capital (leverage) ratio | 9.2274% | 4,519 |
| Tier 1 risk-based capital ratio | 11.0440% | 6,386 |
| Total risk-based capital ratio | 12.2022% | 6,397 |
| Memoranda: | ||
| Average total assets | $951,298,000 | 705 |
| Average earning assets | $904,389,500 | 665 |
| Average equity | $87,762,500 | 817 |
| Average total loans | $766,104,500 | 542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 3,573 |
| Cost of funding earning assets | 0.5258% | 5,021 |
| Net interest margin | 3.9333% | 2,678 |
| Noninterest income to average assets | 0.5775% | 3,399 |
| Noninterest expense to average assets | 2.2565% | 5,796 |
| Loan and lease loss provision to assets | 0.0475% | 5,234 |
| Net operating income to assets | 1.3221% | 1,253 |
| Return on assets (ROA) | 1.3546% | 1,308 |
| Pretax return on assets | 2.0668% | 524 |
| Return on Equity (ROE) | 15.0919% | 799 |
| Retained earnings to average equity (ytd only) | 10.8376% | 456 |
| Net charge-offs to loans | -0.0842% | 6,793 |
| Credit loss provision to net charge-offs | -72.0199% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2153% | 6,446 |
| Assets per employee ($millions) | 8.8457% | 342 |
| Cash dividends to net income (ytd only)* | 28.1894% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,664 |
| Loan loss allowance to noncurrent loans | 173.1897% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,227 |
| Noncurrent loans to loans | 0.6195% | 4,965 |
| Net loans and leases to total assets | 79.2894% | 536 |
| Net loans and leases to deposits | 94.3642% | 728 |
| Net loans and leases to core deposits | 100.6802% | 983 |
| Total domestic deposits to total assets | 84.0248% | 4,302 |
| Equity capital to assets | 8.8132% | 5,734 |
| Core capital (leverage) ratio | 9.0249% | 4,865 |
| Tier 1 risk-based capital ratio | 10.1378% | 6,666 |
| Total risk-based capital ratio | 11.2395% | 6,672 |
| Memoranda: | ||
| Average total assets | $916,606,400 | 718 |
| Average earning assets | $872,495,800 | 683 |
| Average equity | $82,269,400 | 855 |
| Average total loans | $717,725,600 | 575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 3,534 |
| Cost of funding earning assets | 0.5592% | 5,001 |
| Net interest margin | 3.9664% | 2,641 |
| Noninterest income to average assets | 0.5862% | 3,375 |
| Noninterest expense to average assets | 2.2702% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3740% | 1,280 |
| Return on assets (ROA) | 1.4174% | 1,303 |
| Pretax return on assets | 2.1675% | 507 |
| Return on Equity (ROE) | 15.7149% | 781 |
| Retained earnings to average equity (ytd only) | 9.9681% | 924 |
| Net charge-offs to loans | -0.1751% | 6,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9381% | 6,453 |
| Assets per employee ($millions) | 8.1934% | 444 |
| Cash dividends to net income (ytd only)* | 36.5688% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,583 |
| Loan loss allowance to noncurrent loans | 228.6185% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 5,671 |
| Noncurrent loans to loans | 0.4958% | 5,453 |
| Net loans and leases to total assets | 81.2997% | 400 |
| Net loans and leases to deposits | 97.2716% | 584 |
| Net loans and leases to core deposits | 104.6260% | 830 |
| Total domestic deposits to total assets | 83.5801% | 4,398 |
| Equity capital to assets | 9.5110% | 5,195 |
| Core capital (leverage) ratio | 8.9685% | 5,108 |
| Tier 1 risk-based capital ratio | 10.5340% | 6,655 |
| Total risk-based capital ratio | 11.7001% | 6,665 |
| Memoranda: | ||
| Average total assets | $900,291,000 | 735 |
| Average earning assets | $859,052,250 | 700 |
| Average equity | $81,203,250 | 865 |
| Average total loans | $700,417,000 | 590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,898 |
| Cost of funding earning assets | 0.5777% | 5,092 |
| Net interest margin | 3.8935% | 2,936 |
| Noninterest income to average assets | 0.5918% | 3,305 |
| Noninterest expense to average assets | 2.2630% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3380% | 1,339 |
| Return on assets (ROA) | 1.4029% | 1,326 |
| Pretax return on assets | 2.1440% | 530 |
| Return on Equity (ROE) | 15.8384% | 790 |
| Retained earnings to average equity (ytd only) | 7.0838% | 2,054 |
| Net charge-offs to loans | -0.0595% | 6,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5412% | 6,458 |
| Assets per employee ($millions) | 8.3183% | 412 |
| Cash dividends to net income (ytd only)* | 55.2748% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,891 |
| Loan loss allowance to noncurrent loans | 194.4047% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 5,697 |
| Noncurrent loans to loans | 0.5513% | 5,415 |
| Net loans and leases to total assets | 77.4560% | 787 |
| Net loans and leases to deposits | 92.3463% | 912 |
| Net loans and leases to core deposits | 101.6352% | 998 |
| Total domestic deposits to total assets | 83.8756% | 4,360 |
| Equity capital to assets | 8.9885% | 5,713 |
| Core capital (leverage) ratio | 8.5354% | 5,602 |
| Tier 1 risk-based capital ratio | 10.5424% | 6,678 |
| Total risk-based capital ratio | 11.6604% | 6,713 |
| Memoranda: | ||
| Average total assets | $902,693,670 | 736 |
| Average earning assets | $861,394,670 | 698 |
| Average equity | $79,957,330 | 866 |
| Average total loans | $689,090,000 | 599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 3,805 |
| Cost of funding earning assets | 0.6323% | 4,870 |
| Net interest margin | 3.8953% | 2,945 |
| Noninterest income to average assets | 0.5502% | 3,564 |
| Noninterest expense to average assets | 2.2507% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3136% | 1,421 |
| Return on assets (ROA) | 1.4438% | 1,266 |
| Pretax return on assets | 2.2094% | 527 |
| Return on Equity (ROE) | 16.4219% | 752 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,790 |
| Net charge-offs to loans | -0.1067% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8357% | 6,459 |
| Assets per employee ($millions) | 8.2836% | 427 |
| Cash dividends to net income (ytd only)* | 61.5195% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,752 |
| Loan loss allowance to noncurrent loans | 132.4428% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 5,299 |
| Noncurrent loans to loans | 0.8613% | 4,948 |
| Net loans and leases to total assets | 72.7985% | 1,256 |
| Net loans and leases to deposits | 86.4540% | 1,367 |
| Net loans and leases to core deposits | 93.5503% | 1,499 |
| Total domestic deposits to total assets | 84.2049% | 4,394 |
| Equity capital to assets | 8.8107% | 5,742 |
| Core capital (leverage) ratio | 8.2024% | 6,019 |
| Tier 1 risk-based capital ratio | 10.8764% | 6,588 |
| Total risk-based capital ratio | 12.0506% | 6,609 |
| Memoranda: | ||
| Average total assets | $900,694,000 | 737 |
| Average earning assets | $857,758,500 | 699 |
| Average equity | $79,187,000 | 873 |
| Average total loans | $678,686,500 | 612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 3,686 |
| Cost of funding earning assets | 0.8180% | 4,722 |
| Net interest margin | 4.0060% | 2,851 |
| Noninterest income to average assets | 0.6023% | 3,154 |
| Noninterest expense to average assets | 2.2096% | 6,247 |
| Loan and lease loss provision to assets | 0.2489% | 3,716 |
| Net operating income to assets | 1.2941% | 1,263 |
| Return on assets (ROA) | 1.3104% | 1,327 |
| Pretax return on assets | 1.9831% | 545 |
| Return on Equity (ROE) | 15.2002% | 712 |
| Retained earnings to average equity (ytd only) | 7.2134% | 1,403 |
| Net charge-offs to loans | 0.1434% | 4,999 |
| Credit loss provision to net charge-offs | 226.6458% | 1,071 |
| Earnings coverage of net charge-offs (x) | 20.0993% | 1,146 |
| Efficiency ratio | 50.0247% | 6,831 |
| Assets per employee ($millions) | 8.1679% | 444 |
| Cash dividends to net income (ytd only)* | 52.5440% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,930 |
| Loan loss allowance to noncurrent loans | 124.6884% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,262 |
| Noncurrent loans to loans | 0.8575% | 4,973 |
| Net loans and leases to total assets | 76.2488% | 921 |
| Net loans and leases to deposits | 96.8697% | 634 |
| Net loans and leases to core deposits | 104.7839% | 851 |
| Total domestic deposits to total assets | 78.7128% | 6,054 |
| Equity capital to assets | 8.7728% | 5,826 |
| Core capital (leverage) ratio | 8.4808% | 5,593 |
| Tier 1 risk-based capital ratio | 10.3930% | 6,734 |
| Total risk-based capital ratio | 11.5086% | 6,758 |
| Memoranda: | ||
| Average total assets | $871,396,600 | 750 |
| Average earning assets | $829,780,200 | 714 |
| Average equity | $75,123,800 | 895 |
| Average total loans | $667,282,800 | 617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 3,965 |
| Cost of funding earning assets | 0.8510% | 4,764 |
| Net interest margin | 3.9624% | 3,090 |
| Noninterest income to average assets | 0.5294% | 3,656 |
| Noninterest expense to average assets | 2.1903% | 6,298 |
| Loan and lease loss provision to assets | 0.2776% | 3,296 |
| Net operating income to assets | 1.2230% | 1,592 |
| Return on assets (ROA) | 1.2296% | 1,682 |
| Pretax return on assets | 1.8519% | 858 |
| Return on Equity (ROE) | 14.3286% | 973 |
| Retained earnings to average equity (ytd only) | 7.1409% | 1,891 |
| Net charge-offs to loans | 0.1830% | 4,337 |
| Credit loss provision to net charge-offs | 198.4564% | 1,477 |
| Earnings coverage of net charge-offs (x) | 15.1533% | 1,488 |
| Efficiency ratio | 50.8230% | 6,781 |
| Assets per employee ($millions) | 8.0179% | 463 |
| Cash dividends to net income (ytd only)* | 50.1630% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 6,089 |
| Loan loss allowance to noncurrent loans | 85.6521% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 4,776 |
| Noncurrent loans to loans | 1.2131% | 4,521 |
| Net loans and leases to total assets | 77.9368% | 715 |
| Net loans and leases to deposits | 105.3302% | 273 |
| Net loans and leases to core deposits | 114.7380% | 532 |
| Total domestic deposits to total assets | 73.9929% | 6,761 |
| Equity capital to assets | 9.0121% | 5,747 |
| Core capital (leverage) ratio | 8.5279% | 5,672 |
| Tier 1 risk-based capital ratio | 10.3623% | 6,834 |
| Total risk-based capital ratio | 11.4396% | 6,888 |
| Memoranda: | ||
| Average total assets | $864,627,250 | 761 |
| Average earning assets | $824,890,500 | 728 |
| Average equity | $74,199,500 | 917 |
| Average total loans | $660,983,500 | 630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 4,254 |
| Cost of funding earning assets | 0.8643% | 4,953 |
| Net interest margin | 3.8947% | 3,333 |
| Noninterest income to average assets | 0.5161% | 3,739 |
| Noninterest expense to average assets | 2.1852% | 6,420 |
| Loan and lease loss provision to assets | 0.2083% | 3,843 |
| Net operating income to assets | 1.2199% | 1,511 |
| Return on assets (ROA) | 1.2298% | 1,570 |
| Pretax return on assets | 1.8556% | 776 |
| Return on Equity (ROE) | 14.5749% | 877 |
| Retained earnings to average equity (ytd only) | 3.6040% | 3,945 |
| Net charge-offs to loans | -0.1024% | 7,172 |
| Credit loss provision to net charge-offs | -268.6567% | 6,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6097% | 6,819 |
| Assets per employee ($millions) | 8.0028% | 459 |
| Cash dividends to net income (ytd only)* | 75.2729% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,787 |
| Loan loss allowance to noncurrent loans | 171.1685% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 5,780 |
| Noncurrent loans to loans | 0.6673% | 5,574 |
| Net loans and leases to total assets | 75.0638% | 1,233 |
| Net loans and leases to deposits | 92.4829% | 1,002 |
| Net loans and leases to core deposits | 106.6687% | 890 |
| Total domestic deposits to total assets | 81.1650% | 5,473 |
| Equity capital to assets | 8.7115% | 5,929 |
| Core capital (leverage) ratio | 8.0505% | 6,236 |
| Tier 1 risk-based capital ratio | 10.4078% | 6,822 |
| Total risk-based capital ratio | 11.5822% | 6,851 |
| Memoranda: | ||
| Average total assets | $864,192,330 | 767 |
| Average earning assets | $824,966,000 | 733 |
| Average equity | $72,919,670 | 931 |
| Average total loans | $653,989,330 | 651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 4,444 |
| Cost of funding earning assets | 0.8707% | 5,130 |
| Net interest margin | 3.8470% | 3,388 |
| Noninterest income to average assets | 0.5050% | 3,843 |
| Noninterest expense to average assets | 2.1315% | 6,563 |
| Loan and lease loss provision to assets | 0.2073% | 3,565 |
| Net operating income to assets | 1.2118% | 1,498 |
| Return on assets (ROA) | 1.2118% | 1,551 |
| Pretax return on assets | 1.8347% | 767 |
| Return on Equity (ROE) | 14.5947% | 885 |
| Retained earnings to average equity (ytd only) | -2.0532% | 6,156 |
| Net charge-offs to loans | -0.1763% | 7,234 |
| Credit loss provision to net charge-offs | -155.7093% | 5,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0709% | 6,914 |
| Assets per employee ($millions) | 8.1426% | 446 |
| Cash dividends to net income (ytd only)* | 114.0684% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,970 |
| Loan loss allowance to noncurrent loans | 129.2615% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 5,630 |
| Noncurrent loans to loans | 0.8662% | 5,304 |
| Net loans and leases to total assets | 71.5901% | 1,797 |
| Net loans and leases to deposits | 88.0333% | 1,459 |
| Net loans and leases to core deposits | 101.4488% | 1,242 |
| Total domestic deposits to total assets | 81.3216% | 5,564 |
| Equity capital to assets | 8.4064% | 6,039 |
| Core capital (leverage) ratio | 7.9475% | 6,308 |
| Tier 1 risk-based capital ratio | 10.3910% | 6,870 |
| Total risk-based capital ratio | 11.5167% | 6,899 |
| Memoranda: | ||
| Average total assets | $868,138,000 | 770 |
| Average earning assets | $827,861,500 | 730 |
| Average equity | $72,081,000 | 940 |
| Average total loans | $655,884,500 | 655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 4,608 |
| Cost of funding earning assets | 1.1086% | 5,092 |
| Net interest margin | 3.8822% | 3,572 |
| Noninterest income to average assets | 0.5114% | 4,084 |
| Noninterest expense to average assets | 2.2481% | 6,486 |
| Loan and lease loss provision to assets | 0.2941% | 4,449 |
| Net operating income to assets | 1.0963% | 1,712 |
| Return on assets (ROA) | 1.1846% | 1,525 |
| Pretax return on assets | 1.7874% | 782 |
| Return on Equity (ROE) | 14.4787% | 798 |
| Retained earnings to average equity (ytd only) | 10.1237% | 500 |
| Net charge-offs to loans | 0.3800% | 4,141 |
| Credit loss provision to net charge-offs | 95.6354% | 4,864 |
| Earnings coverage of net charge-offs (x) | 6.3337% | 2,381 |
| Efficiency ratio | 53.5809% | 6,842 |
| Assets per employee ($millions) | 8.1602% | 457 |
| Cash dividends to net income (ytd only)* | 30.0782% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 6,742 |
| Loan loss allowance to noncurrent loans | 177.5738% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,187 |
| Noncurrent loans to loans | 0.5033% | 6,030 |
| Net loans and leases to total assets | 77.9040% | 960 |
| Net loans and leases to deposits | 98.7691% | 658 |
| Net loans and leases to core deposits | 114.8355% | 683 |
| Total domestic deposits to total assets | 78.8748% | 6,112 |
| Equity capital to assets | 8.2026% | 6,259 |
| Core capital (leverage) ratio | 8.0044% | 6,200 |
| Tier 1 risk-based capital ratio | 10.2276% | 6,861 |
| Total risk-based capital ratio | 11.2189% | 6,982 |
| Memoranda: | ||
| Average total assets | $841,946,000 | 803 |
| Average earning assets | $799,022,000 | 763 |
| Average equity | $68,887,600 | 974 |
| Average total loans | $681,287,000 | 646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 4,524 |
| Cost of funding earning assets | 1.1531% | 5,128 |
| Net interest margin | 3.9093% | 3,492 |
| Noninterest income to average assets | 0.4717% | 4,400 |
| Noninterest expense to average assets | 2.2559% | 6,449 |
| Loan and lease loss provision to assets | 0.2333% | 4,739 |
| Net operating income to assets | 1.1148% | 1,837 |
| Return on assets (ROA) | 1.2339% | 1,579 |
| Pretax return on assets | 1.8689% | 813 |
| Return on Equity (ROE) | 15.0914% | 841 |
| Retained earnings to average equity (ytd only) | 9.2124% | 988 |
| Net charge-offs to loans | 0.0647% | 5,870 |
| Credit loss provision to net charge-offs | 442.5532% | 680 |
| Earnings coverage of net charge-offs (x) | 36.4525% | 749 |
| Efficiency ratio | 54.0005% | 6,788 |
| Assets per employee ($millions) | 7.6405% | 584 |
| Cash dividends to net income (ytd only)* | 38.9560% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,112 |
| Loan loss allowance to noncurrent loans | 387.7413% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 6,695 |
| Noncurrent loans to loans | 0.2736% | 6,640 |
| Net loans and leases to total assets | 82.4814% | 444 |
| Net loans and leases to deposits | 105.3118% | 390 |
| Net loans and leases to core deposits | 123.9631% | 498 |
| Total domestic deposits to total assets | 78.3211% | 6,192 |
| Equity capital to assets | 8.4091% | 6,383 |
| Core capital (leverage) ratio | 7.9014% | 6,467 |
| Tier 1 risk-based capital ratio | 9.9700% | 7,086 |
| Total risk-based capital ratio | 11.1723% | 7,095 |
| Memoranda: | ||
| Average total assets | $832,107,750 | 812 |
| Average earning assets | $788,794,000 | 773 |
| Average equity | $68,037,250 | 985 |
| Average total loans | $678,419,000 | 644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 4,900 |
| Cost of funding earning assets | 1.1634% | 5,326 |
| Net interest margin | 3.8463% | 3,681 |
| Noninterest income to average assets | 0.5375% | 3,815 |
| Noninterest expense to average assets | 2.2510% | 6,502 |
| Loan and lease loss provision to assets | 0.2744% | 4,192 |
| Net operating income to assets | 1.0911% | 1,884 |
| Return on assets (ROA) | 1.2704% | 1,444 |
| Pretax return on assets | 1.9283% | 698 |
| Return on Equity (ROE) | 15.6884% | 740 |
| Retained earnings to average equity (ytd only) | 6.7542% | 1,944 |
| Net charge-offs to loans | 0.0134% | 6,154 |
| Credit loss provision to net charge-offs | 2,528.8889% | 169 |
| Earnings coverage of net charge-offs (x) | 177.9333% | 197 |
| Efficiency ratio | 53.8262% | 6,900 |
| Assets per employee ($millions) | 7.2442% | 685 |
| Cash dividends to net income (ytd only)* | 56.9476% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,070 |
| Loan loss allowance to noncurrent loans | 453.3701% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 6,623 |
| Noncurrent loans to loans | 0.2365% | 6,760 |
| Net loans and leases to total assets | 81.9436% | 537 |
| Net loans and leases to deposits | 105.7044% | 407 |
| Net loans and leases to core deposits | 123.1913% | 595 |
| Total domestic deposits to total assets | 77.5215% | 6,389 |
| Equity capital to assets | 8.1932% | 6,553 |
| Core capital (leverage) ratio | 7.8066% | 6,486 |
| Tier 1 risk-based capital ratio | 9.7858% | 7,143 |
| Total risk-based capital ratio | 11.0057% | 7,143 |
| Memoranda: | ||
| Average total assets | $829,325,330 | 817 |
| Average earning assets | $785,793,000 | 777 |
| Average equity | $67,158,000 | 991 |
| Average total loans | $671,008,000 | 653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 5,083 |
| Cost of funding earning assets | 1.1840% | 5,489 |
| Net interest margin | 3.8016% | 3,790 |
| Noninterest income to average assets | 0.4936% | 4,097 |
| Noninterest expense to average assets | 2.2165% | 6,645 |
| Loan and lease loss provision to assets | 0.2751% | 3,824 |
| Net operating income to assets | 1.0575% | 1,978 |
| Return on assets (ROA) | 1.2559% | 1,467 |
| Pretax return on assets | 1.8959% | 735 |
| Return on Equity (ROE) | 15.6015% | 785 |
| Retained earnings to average equity (ytd only) | 9.5963% | 1,236 |
| Net charge-offs to loans | -0.0405% | 7,288 |
| Credit loss provision to net charge-offs | -849.2537% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2347% | 6,945 |
| Assets per employee ($millions) | 7.1443% | 769 |
| Cash dividends to net income (ytd only)* | 38.4911% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 6,248 |
| Loan loss allowance to noncurrent loans | 267.3729% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 6,364 |
| Noncurrent loans to loans | 0.3913% | 6,498 |
| Net loans and leases to total assets | 79.9118% | 853 |
| Net loans and leases to deposits | 101.3246% | 676 |
| Net loans and leases to core deposits | 118.1998% | 858 |
| Total domestic deposits to total assets | 78.8672% | 6,106 |
| Equity capital to assets | 8.2035% | 6,425 |
| Core capital (leverage) ratio | 7.7959% | 6,511 |
| Tier 1 risk-based capital ratio | 9.9764% | 7,052 |
| Total risk-based capital ratio | 11.1607% | 7,078 |
| Memoranda: | ||
| Average total assets | $827,448,500 | 836 |
| Average earning assets | $782,082,000 | 799 |
| Average equity | $66,609,000 | 999 |
| Average total loans | $661,485,000 | 682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 4,772 |
| Cost of funding earning assets | 1.5904% | 5,074 |
| Net interest margin | 3.7924% | 3,744 |
| Noninterest income to average assets | 0.6521% | 3,273 |
| Noninterest expense to average assets | 2.2687% | 6,828 |
| Loan and lease loss provision to assets | 0.3690% | 4,574 |
| Net operating income to assets | 1.0621% | 1,619 |
| Return on assets (ROA) | 1.0859% | 1,597 |
| Pretax return on assets | 1.6187% | 922 |
| Return on Equity (ROE) | 13.7759% | 824 |
| Retained earnings to average equity (ytd only) | 0.0973% | 4,845 |
| Net charge-offs to loans | 0.4396% | 4,041 |
| Credit loss provision to net charge-offs | 105.9512% | 5,231 |
| Earnings coverage of net charge-offs (x) | 5.6051% | 2,546 |
| Efficiency ratio | 53.7510% | 7,253 |
| Assets per employee ($millions) | 7.3096% | 706 |
| Cash dividends to net income (ytd only)* | 99.2939% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,607 |
| Loan loss allowance to noncurrent loans | 408.6196% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 6,664 |
| Noncurrent loans to loans | 0.2340% | 6,844 |
| Net loans and leases to total assets | 78.3836% | 1,305 |
| Net loans and leases to deposits | 97.2296% | 1,189 |
| Net loans and leases to core deposits | 108.9972% | 2,998 |
| Total domestic deposits to total assets | 80.6170% | 5,465 |
| Equity capital to assets | 7.8985% | 6,674 |
| Core capital (leverage) ratio | 7.4363% | 6,848 |
| Tier 1 risk-based capital ratio | 9.7852% | 7,031 |
| Total risk-based capital ratio | 10.8757% | 7,119 |
| Memoranda: | ||
| Average total assets | $834,689,800 | 812 |
| Average earning assets | $785,463,200 | 779 |
| Average equity | $65,796,000 | 1,004 |
| Average total loans | $661,323,400 | 707 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 4,740 |
| Cost of funding earning assets | 1.6773% | 5,020 |
| Net interest margin | 3.7631% | 3,805 |
| Noninterest income to average assets | 0.6522% | 3,335 |
| Noninterest expense to average assets | 2.2426% | 6,861 |
| Loan and lease loss provision to assets | 0.2874% | 4,677 |
| Net operating income to assets | 1.1110% | 1,707 |
| Return on assets (ROA) | 1.1428% | 1,671 |
| Pretax return on assets | 1.7118% | 946 |
| Return on Equity (ROE) | 14.5043% | 838 |
| Retained earnings to average equity (ytd only) | 2.3448% | 4,018 |
| Net charge-offs to loans | 0.2591% | 4,428 |
| Credit loss provision to net charge-offs | 139.9689% | 3,521 |
| Earnings coverage of net charge-offs (x) | 9.5055% | 2,100 |
| Efficiency ratio | 53.4661% | 7,292 |
| Assets per employee ($millions) | 7.3097% | 694 |
| Cash dividends to net income (ytd only)* | 83.8340% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,206 |
| Loan loss allowance to noncurrent loans | 241.8486% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 6,308 |
| Noncurrent loans to loans | 0.4186% | 6,499 |
| Net loans and leases to total assets | 78.6723% | 1,450 |
| Net loans and leases to deposits | 100.0601% | 1,098 |
| Net loans and leases to core deposits | 113.8244% | 2,845 |
| Total domestic deposits to total assets | 78.6251% | 5,922 |
| Equity capital to assets | 8.1057% | 6,733 |
| Core capital (leverage) ratio | 7.5886% | 6,876 |
| Tier 1 risk-based capital ratio | 10.1057% | 6,876 |
| Total risk-based capital ratio | 11.2479% | 6,939 |
| Memoranda: | ||
| Average total assets | $835,037,500 | 818 |
| Average earning assets | $785,993,250 | 797 |
| Average equity | $65,790,500 | 1,020 |
| Average total loans | $661,785,500 | 724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 4,439 |
| Cost of funding earning assets | 1.7292% | 5,131 |
| Net interest margin | 3.8015% | 3,545 |
| Noninterest income to average assets | 0.6534% | 3,316 |
| Noninterest expense to average assets | 2.2447% | 6,933 |
| Loan and lease loss provision to assets | 0.2864% | 4,287 |
| Net operating income to assets | 1.1290% | 1,669 |
| Return on assets (ROA) | 1.1765% | 1,627 |
| Pretax return on assets | 1.7677% | 903 |
| Return on Equity (ROE) | 15.0757% | 821 |
| Retained earnings to average equity (ytd only) | 2.8439% | 3,742 |
| Net charge-offs to loans | 0.2692% | 3,843 |
| Credit loss provision to net charge-offs | 134.3785% | 3,470 |
| Earnings coverage of net charge-offs (x) | 9.3057% | 2,148 |
| Efficiency ratio | 53.0932% | 7,421 |
| Assets per employee ($millions) | 7.2572% | 684 |
| Cash dividends to net income (ytd only)* | 81.1359% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 6,381 |
| Loan loss allowance to noncurrent loans | 173.9330% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 5,988 |
| Noncurrent loans to loans | 0.5632% | 6,139 |
| Net loans and leases to total assets | 77.9871% | 1,744 |
| Net loans and leases to deposits | 99.1020% | 1,378 |
| Net loans and leases to core deposits | 114.1819% | 2,887 |
| Total domestic deposits to total assets | 78.6938% | 5,899 |
| Equity capital to assets | 7.8914% | 6,873 |
| Core capital (leverage) ratio | 7.6516% | 6,823 |
| Tier 1 risk-based capital ratio | 10.0847% | 6,840 |
| Total risk-based capital ratio | 11.1951% | 6,918 |
| Memoranda: | ||
| Average total assets | $838,053,000 | 840 |
| Average earning assets | $788,009,670 | 807 |
| Average equity | $65,403,330 | 1,036 |
| Average total loans | $663,556,670 | 744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 4,472 |
| Cost of funding earning assets | 1.7327% | 5,462 |
| Net interest margin | 3.8462% | 3,262 |
| Noninterest income to average assets | 0.6116% | 3,470 |
| Noninterest expense to average assets | 2.0438% | 7,242 |
| Loan and lease loss provision to assets | 0.2858% | 3,676 |
| Net operating income to assets | 1.2474% | 1,515 |
| Return on assets (ROA) | 1.3408% | 1,378 |
| Pretax return on assets | 2.0362% | 627 |
| Return on Equity (ROE) | 17.2766% | 662 |
| Retained earnings to average equity (ytd only) | 5.0019% | 3,130 |
| Net charge-offs to loans | 0.1050% | 4,124 |
| Credit loss provision to net charge-offs | 342.8571% | 1,464 |
| Earnings coverage of net charge-offs (x) | 26.1600% | 1,188 |
| Efficiency ratio | 48.3820% | 7,708 |
| Assets per employee ($millions) | 7.1782% | 717 |
| Cash dividends to net income (ytd only)* | 71.0480% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,068 |
| Loan loss allowance to noncurrent loans | 172.6890% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,094 |
| Noncurrent loans to loans | 0.5885% | 5,924 |
| Net loans and leases to total assets | 78.0458% | 1,813 |
| Net loans and leases to deposits | 105.3510% | 916 |
| Net loans and leases to core deposits | 121.2654% | 2,311 |
| Total domestic deposits to total assets | 74.0817% | 6,877 |
| Equity capital to assets | 8.0568% | 6,732 |
| Core capital (leverage) ratio | 7.2068% | 7,471 |
| Tier 1 risk-based capital ratio | 10.1362% | 6,767 |
| Total risk-based capital ratio | 11.2736% | 6,802 |
| Memoranda: | ||
| Average total assets | $839,791,000 | 841 |
| Average earning assets | $788,835,500 | 807 |
| Average equity | $65,175,000 | 1,047 |
| Average total loans | $666,684,500 | 743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1221% | 4,929 |
| Cost of funding earning assets | 2.3518% | 4,922 |
| Net interest margin | 3.7703% | 4,138 |
| Noninterest income to average assets | 0.5910% | 3,905 |
| Noninterest expense to average assets | 2.1894% | 6,992 |
| Loan and lease loss provision to assets | 0.3117% | 3,882 |
| Net operating income to assets | 1.1120% | 2,096 |
| Return on assets (ROA) | 1.1120% | 2,014 |
| Pretax return on assets | 1.6240% | 1,327 |
| Return on Equity (ROE) | 15.4305% | 860 |
| Retained earnings to average equity (ytd only) | 6.6622% | 1,274 |
| Net charge-offs to loans | 0.3032% | 3,370 |
| Credit loss provision to net charge-offs | 132.2961% | 4,027 |
| Earnings coverage of net charge-offs (x) | 8.2167% | 2,922 |
| Efficiency ratio | 53.0760% | 7,371 |
| Assets per employee ($millions) | 7.6899% | 520 |
| Cash dividends to net income (ytd only)* | 56.8246% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,727 |
| Loan loss allowance to noncurrent loans | 175.5511% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 5,972 |
| Noncurrent loans to loans | 0.5076% | 5,830 |
| Net loans and leases to total assets | 79.1879% | 1,839 |
| Net loans and leases to deposits | 118.7096% | 423 |
| Net loans and leases to core deposits | 134.4618% | 1,571 |
| Total domestic deposits to total assets | 66.7073% | 7,601 |
| Equity capital to assets | 7.4797% | 7,397 |
| Core capital (leverage) ratio | 7.3084% | 7,408 |
| Tier 1 risk-based capital ratio | 9.6053% | 7,204 |
| Total risk-based capital ratio | 10.6309% | 7,361 |
| Memoranda: | ||
| Average total assets | $791,263,600 | 856 |
| Average earning assets | $741,684,200 | 823 |
| Average equity | $57,023,600 | 1,175 |
| Average total loans | $614,850,800 | 777 |