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 | 4.1102% | 3,333 |
| Cost of funding earning assets | 0.2207% | 5,660 |
| Net interest margin | 3.8895% | 2,287 |
| Noninterest income to average assets | 0.9159% | 1,465 |
| Noninterest expense to average assets | 2.5745% | 4,273 |
| Loan and lease loss provision to assets | 0.0864% | 2,622 |
| Net operating income to assets | 1.2834% | 1,419 |
| Return on assets (ROA) | 1.2834% | 1,472 |
| Pretax return on assets | 1.9081% | 708 |
| Return on Equity (ROE) | 14.2355% | 943 |
| Retained earnings to average equity (ytd only) | 9.9740% | 717 |
| Net charge-offs to loans | 0.0624% | 3,314 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | 41.2026% | 1,105 |
| Efficiency ratio | 56.3464% | 5,627 |
| Assets per employee ($millions) | 7.8339% | 557 |
| Cash dividends to net income (ytd only)* | 29.9356% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 2,761 |
| Loan loss allowance to noncurrent loans | 213.4857% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 3,585 |
| Noncurrent loans to loans | 0.6986% | 3,861 |
| Net loans and leases to total assets | 81.4762% | 562 |
| Net loans and leases to deposits | 101.5700% | 519 |
| Net loans and leases to core deposits | 104.2179% | 1,094 |
| Total domestic deposits to total assets | 80.2168% | 5,045 |
| Equity capital to assets | 9.7294% | 4,515 |
| Core capital (leverage) ratio | 9.7085% | 4,065 |
| Tier 1 risk-based capital ratio | 11.0152% | 5,987 |
| Total risk-based capital ratio | 12.2684% | 5,935 |
| Memoranda: | ||
| Average total assets | $694,084,250 | 974 |
| Average earning assets | $651,898,250 | 955 |
| Average equity | $62,574,500 | 1,175 |
| Average total loans | $538,813,500 | 819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,704 |
| Cost of funding earning assets | 0.2460% | 5,523 |
| Net interest margin | 3.7615% | 2,708 |
| Noninterest income to average assets | 0.8666% | 1,602 |
| Noninterest expense to average assets | 2.5531% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2396% | 1,477 |
| Return on assets (ROA) | 1.2396% | 1,540 |
| Pretax return on assets | 1.8397% | 779 |
| Return on Equity (ROE) | 14.1078% | 935 |
| Retained earnings to average equity (ytd only) | 7.6125% | 1,474 |
| Net charge-offs to loans | -0.0496% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1200% | 5,543 |
| Assets per employee ($millions) | 7.8354% | 539 |
| Cash dividends to net income (ytd only)* | 46.0405% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 3,045 |
| Loan loss allowance to noncurrent loans | 218.2949% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 3,838 |
| Noncurrent loans to loans | 0.6720% | 4,033 |
| Net loans and leases to total assets | 80.3197% | 649 |
| Net loans and leases to deposits | 101.3827% | 489 |
| Net loans and leases to core deposits | 106.1495% | 890 |
| Total domestic deposits to total assets | 79.2243% | 5,407 |
| Equity capital to assets | 9.1597% | 5,144 |
| Core capital (leverage) ratio | 9.3726% | 4,500 |
| Tier 1 risk-based capital ratio | 10.5275% | 6,242 |
| Total risk-based capital ratio | 11.7804% | 6,183 |
| Memoranda: | ||
| Average total assets | $700,873,000 | 964 |
| Average earning assets | $657,033,000 | 944 |
| Average equity | $61,583,000 | 1,187 |
| Average total loans | $532,674,330 | 822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,197 |
| Cost of funding earning assets | 0.2663% | 5,430 |
| Net interest margin | 3.6086% | 3,218 |
| Noninterest income to average assets | 0.7852% | 1,821 |
| Noninterest expense to average assets | 2.4587% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1600% | 1,595 |
| Return on assets (ROA) | 1.1600% | 1,669 |
| Pretax return on assets | 1.7171% | 941 |
| Return on Equity (ROE) | 13.4813% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.9018% | 2,088 |
| Net charge-offs to loans | 0.0525% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 44.6029% | 821 |
| Efficiency ratio | 58.8802% | 5,557 |
| Assets per employee ($millions) | 8.1753% | 445 |
| Cash dividends to net income (ytd only)* | 48.8043% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 2,978 |
| Loan loss allowance to noncurrent loans | 198.4460% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 3,857 |
| Noncurrent loans to loans | 0.7754% | 3,922 |
| Net loans and leases to total assets | 74.0779% | 1,252 |
| Net loans and leases to deposits | 84.7356% | 1,749 |
| Net loans and leases to core deposits | 94.4123% | 1,522 |
| Total domestic deposits to total assets | 87.4225% | 2,548 |
| Equity capital to assets | 8.8540% | 5,271 |
| Core capital (leverage) ratio | 8.8062% | 5,258 |
| Tier 1 risk-based capital ratio | 10.9998% | 6,155 |
| Total risk-based capital ratio | 12.2535% | 6,106 |
| Memoranda: | ||
| Average total assets | $706,551,000 | 960 |
| Average earning assets | $663,865,000 | 936 |
| Average equity | $60,795,500 | 1,196 |
| Average total loans | $517,980,000 | 849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 3,033 |
| Cost of funding earning assets | 0.3017% | 5,582 |
| Net interest margin | 3.9793% | 2,007 |
| Noninterest income to average assets | 1.1309% | 1,097 |
| Noninterest expense to average assets | 2.7703% | 3,834 |
| Loan and lease loss provision to assets | 0.1297% | 2,695 |
| Net operating income to assets | 1.2991% | 1,255 |
| Return on assets (ROA) | 1.3158% | 1,251 |
| Pretax return on assets | 2.0095% | 466 |
| Return on Equity (ROE) | 15.0246% | 759 |
| Retained earnings to average equity (ytd only) | 5.7703% | 2,119 |
| Net charge-offs to loans | 0.0781% | 4,125 |
| Credit loss provision to net charge-offs | 212.8079% | 1,082 |
| Earnings coverage of net charge-offs (x) | 34.6847% | 1,064 |
| Efficiency ratio | 56.7240% | 5,879 |
| Assets per employee ($millions) | 7.8066% | 521 |
| Cash dividends to net income (ytd only)* | 61.5946% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,835 |
| Loan loss allowance to noncurrent loans | 182.3556% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 3,921 |
| Noncurrent loans to loans | 0.8670% | 3,812 |
| Net loans and leases to total assets | 70.3193% | 1,963 |
| Net loans and leases to deposits | 78.2907% | 2,688 |
| Net loans and leases to core deposits | 86.6501% | 2,384 |
| Total domestic deposits to total assets | 89.8182% | 1,168 |
| Equity capital to assets | 8.3632% | 5,723 |
| Core capital (leverage) ratio | 9.3925% | 4,423 |
| Tier 1 risk-based capital ratio | 10.8629% | 6,238 |
| Total risk-based capital ratio | 12.1168% | 6,182 |
| Memoranda: | ||
| Average total assets | $666,288,400 | 1,001 |
| Average earning assets | $628,369,800 | 965 |
| Average equity | $58,351,000 | 1,239 |
| Average total loans | $519,907,000 | 819 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 2,709 |
| Cost of funding earning assets | 0.3154% | 5,596 |
| Net interest margin | 4.0496% | 1,788 |
| Noninterest income to average assets | 1.2402% | 956 |
| Noninterest expense to average assets | 2.8127% | 3,614 |
| Loan and lease loss provision to assets | 0.1598% | 2,260 |
| Net operating income to assets | 1.3587% | 1,208 |
| Return on assets (ROA) | 1.3816% | 1,191 |
| Pretax return on assets | 2.1259% | 453 |
| Return on Equity (ROE) | 15.5837% | 699 |
| Retained earnings to average equity (ytd only) | 7.2969% | 1,738 |
| Net charge-offs to loans | 0.0659% | 3,975 |
| Credit loss provision to net charge-offs | 303.4884% | 838 |
| Earnings coverage of net charge-offs (x) | 42.7405% | 963 |
| Efficiency ratio | 55.5524% | 5,967 |
| Assets per employee ($millions) | 6.6078% | 891 |
| Cash dividends to net income (ytd only)* | 53.1758% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 3,266 |
| Loan loss allowance to noncurrent loans | 180.0572% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 3,897 |
| Noncurrent loans to loans | 0.8567% | 4,107 |
| Net loans and leases to total assets | 81.4571% | 408 |
| Net loans and leases to deposits | 95.4528% | 732 |
| Net loans and leases to core deposits | 107.6478% | 682 |
| Total domestic deposits to total assets | 85.3376% | 3,569 |
| Equity capital to assets | 9.1259% | 5,020 |
| Core capital (leverage) ratio | 9.6478% | 4,175 |
| Tier 1 risk-based capital ratio | 10.4694% | 6,464 |
| Total risk-based capital ratio | 11.7227% | 6,432 |
| Memoranda: | ||
| Average total assets | $653,309,500 | 1,025 |
| Average earning assets | $616,739,250 | 993 |
| Average equity | $57,922,500 | 1,253 |
| Average total loans | $521,596,500 | 822 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,816 |
| Cost of funding earning assets | 0.3275% | 5,590 |
| Net interest margin | 4.0067% | 1,836 |
| Noninterest income to average assets | 1.3583% | 847 |
| Noninterest expense to average assets | 2.7951% | 3,692 |
| Loan and lease loss provision to assets | 0.1189% | 2,836 |
| Net operating income to assets | 1.4417% | 999 |
| Return on assets (ROA) | 1.4417% | 1,078 |
| Pretax return on assets | 2.2363% | 390 |
| Return on Equity (ROE) | 16.4171% | 616 |
| Retained earnings to average equity (ytd only) | 10.1815% | 807 |
| Net charge-offs to loans | 0.0617% | 3,822 |
| Credit loss provision to net charge-offs | 244.3750% | 1,032 |
| Earnings coverage of net charge-offs (x) | 48.3875% | 821 |
| Efficiency ratio | 54.2705% | 6,124 |
| Assets per employee ($millions) | 6.3621% | 980 |
| Cash dividends to net income (ytd only)* | 37.9827% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,595 |
| Loan loss allowance to noncurrent loans | 132.0717% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 3,427 |
| Noncurrent loans to loans | 1.1353% | 3,665 |
| Net loans and leases to total assets | 83.9496% | 240 |
| Net loans and leases to deposits | 98.2678% | 524 |
| Net loans and leases to core deposits | 110.5539% | 543 |
| Total domestic deposits to total assets | 85.4294% | 3,677 |
| Equity capital to assets | 9.4679% | 4,622 |
| Core capital (leverage) ratio | 9.6255% | 4,038 |
| Tier 1 risk-based capital ratio | 10.9351% | 6,365 |
| Total risk-based capital ratio | 12.1888% | 6,333 |
| Memoranda: | ||
| Average total assets | $657,426,670 | 1,022 |
| Average earning assets | $622,213,000 | 988 |
| Average equity | $57,732,330 | 1,257 |
| Average total loans | $518,700,000 | 815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 2,834 |
| Cost of funding earning assets | 0.3213% | 5,799 |
| Net interest margin | 3.9928% | 1,819 |
| Noninterest income to average assets | 1.2710% | 946 |
| Noninterest expense to average assets | 2.7268% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4841% | 889 |
| Return on assets (ROA) | 1.4841% | 969 |
| Pretax return on assets | 2.3147% | 347 |
| Return on Equity (ROE) | 17.5239% | 472 |
| Retained earnings to average equity (ytd only) | 17.5239% | 212 |
| Net charge-offs to loans | -0.0388% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0867% | 6,223 |
| Assets per employee ($millions) | 7.2433% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,816 |
| Loan loss allowance to noncurrent loans | 126.9402% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 3,204 |
| Noncurrent loans to loans | 1.1840% | 3,791 |
| Net loans and leases to total assets | 74.9514% | 968 |
| Net loans and leases to deposits | 84.8146% | 1,495 |
| Net loans and leases to core deposits | 96.0956% | 1,194 |
| Total domestic deposits to total assets | 88.3709% | 2,087 |
| Equity capital to assets | 8.6950% | 5,816 |
| Core capital (leverage) ratio | 8.9938% | 4,899 |
| Tier 1 risk-based capital ratio | 11.2351% | 6,294 |
| Total risk-based capital ratio | 12.4889% | 6,270 |
| Memoranda: | ||
| Average total assets | $677,580,500 | 994 |
| Average earning assets | $639,845,500 | 961 |
| Average equity | $57,384,500 | 1,271 |
| Average total loans | $515,072,500 | 822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,617 |
| Cost of funding earning assets | 0.3374% | 6,280 |
| Net interest margin | 4.3577% | 1,258 |
| Noninterest income to average assets | 1.1770% | 1,140 |
| Noninterest expense to average assets | 2.9036% | 3,621 |
| Loan and lease loss provision to assets | 0.1455% | 3,785 |
| Net operating income to assets | 1.4631% | 985 |
| Return on assets (ROA) | 1.5010% | 1,004 |
| Pretax return on assets | 2.3158% | 326 |
| Return on Equity (ROE) | 16.1385% | 642 |
| Retained earnings to average equity (ytd only) | -2.1690% | 6,184 |
| Net charge-offs to loans | 0.1189% | 4,502 |
| Credit loss provision to net charge-offs | 153.3333% | 1,768 |
| Earnings coverage of net charge-offs (x) | 25.3316% | 1,140 |
| Efficiency ratio | 54.7166% | 6,204 |
| Assets per employee ($millions) | 7.4080% | 654 |
| Cash dividends to net income (ytd only)* | 113.4399% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,833 |
| Loan loss allowance to noncurrent loans | 107.3181% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,128 |
| Noncurrent loans to loans | 1.3782% | 3,532 |
| Net loans and leases to total assets | 74.8155% | 1,077 |
| Net loans and leases to deposits | 84.1219% | 1,740 |
| Net loans and leases to core deposits | 95.2726% | 1,364 |
| Total domestic deposits to total assets | 88.9370% | 1,605 |
| Equity capital to assets | 8.2457% | 6,246 |
| Core capital (leverage) ratio | 9.0402% | 4,830 |
| Tier 1 risk-based capital ratio | 10.6265% | 6,506 |
| Total risk-based capital ratio | 11.8800% | 6,465 |
| Memoranda: | ||
| Average total assets | $616,675,600 | 1,076 |
| Average earning assets | $584,413,600 | 1,037 |
| Average equity | $57,353,400 | 1,240 |
| Average total loans | $491,848,800 | 838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 2,261 |
| Cost of funding earning assets | 0.3331% | 6,450 |
| Net interest margin | 4.5023% | 983 |
| Noninterest income to average assets | 1.1971% | 1,058 |
| Noninterest expense to average assets | 2.9577% | 3,377 |
| Loan and lease loss provision to assets | 0.0944% | 4,405 |
| Net operating income to assets | 1.5625% | 931 |
| Return on assets (ROA) | 1.6069% | 925 |
| Pretax return on assets | 2.4902% | 297 |
| Return on Equity (ROE) | 16.7395% | 636 |
| Retained earnings to average equity (ytd only) | -4.0779% | 6,559 |
| Net charge-offs to loans | 0.1865% | 3,626 |
| Credit loss provision to net charge-offs | 62.5920% | 4,082 |
| Earnings coverage of net charge-offs (x) | 16.6893% | 1,674 |
| Efficiency ratio | 54.0321% | 6,243 |
| Assets per employee ($millions) | 6.7244% | 851 |
| Cash dividends to net income (ytd only)* | 124.3610% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,335 |
| Loan loss allowance to noncurrent loans | 103.1127% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 3,111 |
| Noncurrent loans to loans | 1.3673% | 3,737 |
| Net loans and leases to total assets | 80.1316% | 498 |
| Net loans and leases to deposits | 91.2491% | 1,031 |
| Net loans and leases to core deposits | 105.0093% | 807 |
| Total domestic deposits to total assets | 87.8164% | 2,163 |
| Equity capital to assets | 9.1771% | 5,617 |
| Core capital (leverage) ratio | 9.3457% | 4,509 |
| Tier 1 risk-based capital ratio | 10.8773% | 6,527 |
| Total risk-based capital ratio | 12.1302% | 6,510 |
| Memoranda: | ||
| Average total assets | $600,461,000 | 1,113 |
| Average earning assets | $570,384,750 | 1,064 |
| Average equity | $57,642,500 | 1,236 |
| Average total loans | $485,424,000 | 855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 2,245 |
| Cost of funding earning assets | 0.3250% | 6,623 |
| Net interest margin | 4.5419% | 923 |
| Noninterest income to average assets | 1.2096% | 978 |
| Noninterest expense to average assets | 2.9798% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6369% | 775 |
| Return on assets (ROA) | 1.7032% | 747 |
| Pretax return on assets | 2.6507% | 238 |
| Return on Equity (ROE) | 17.4756% | 577 |
| Retained earnings to average equity (ytd only) | -3.2383% | 6,492 |
| Net charge-offs to loans | 0.0229% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 137.6364% | 324 |
| Efficiency ratio | 53.9145% | 6,323 |
| Assets per employee ($millions) | 6.5167% | 946 |
| Cash dividends to net income (ytd only)* | 118.5302% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 4,026 |
| Loan loss allowance to noncurrent loans | 124.6920% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 3,485 |
| Noncurrent loans to loans | 1.1998% | 4,151 |
| Net loans and leases to total assets | 80.9104% | 416 |
| Net loans and leases to deposits | 96.1732% | 622 |
| Net loans and leases to core deposits | 102.9966% | 916 |
| Total domestic deposits to total assets | 84.1299% | 4,263 |
| Equity capital to assets | 9.6958% | 4,762 |
| Core capital (leverage) ratio | 9.8690% | 3,624 |
| Tier 1 risk-based capital ratio | 11.3595% | 6,306 |
| Total risk-based capital ratio | 12.6135% | 6,279 |
| Memoranda: | ||
| Average total assets | $594,401,000 | 1,128 |
| Average earning assets | $565,006,330 | 1,075 |
| Average equity | $57,932,330 | 1,222 |
| Average total loans | $479,626,670 | 861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 2,714 |
| Cost of funding earning assets | 0.3332% | 6,709 |
| Net interest margin | 4.4471% | 1,116 |
| Noninterest income to average assets | 1.0788% | 1,237 |
| Noninterest expense to average assets | 2.9185% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5358% | 965 |
| Return on assets (ROA) | 1.6683% | 852 |
| Pretax return on assets | 2.5932% | 292 |
| Return on Equity (ROE) | 17.0732% | 656 |
| Retained earnings to average equity (ytd only) | -3.5632% | 6,450 |
| Net charge-offs to loans | 0.3060% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.7527% | 1,813 |
| Efficiency ratio | 55.0177% | 6,227 |
| Assets per employee ($millions) | 6.4615% | 1,001 |
| Cash dividends to net income (ytd only)* | 120.8703% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,282 |
| Loan loss allowance to noncurrent loans | 104.4135% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 3,352 |
| Noncurrent loans to loans | 1.4114% | 3,990 |
| Net loans and leases to total assets | 80.2330% | 385 |
| Net loans and leases to deposits | 95.5244% | 572 |
| Net loans and leases to core deposits | 99.7644% | 1,005 |
| Total domestic deposits to total assets | 83.9922% | 4,495 |
| Equity capital to assets | 9.9261% | 4,224 |
| Core capital (leverage) ratio | 10.0081% | 3,360 |
| Tier 1 risk-based capital ratio | 11.7431% | 6,131 |
| Total risk-based capital ratio | 12.9966% | 6,110 |
| Memoranda: | ||
| Average total assets | $595,092,000 | 1,125 |
| Average earning assets | $565,487,500 | 1,078 |
| Average equity | $58,149,500 | 1,224 |
| Average total loans | $475,889,500 | 865 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 3,338 |
| Cost of funding earning assets | 0.4400% | 6,770 |
| Net interest margin | 4.4636% | 1,219 |
| Noninterest income to average assets | 0.9119% | 1,634 |
| Noninterest expense to average assets | 2.8679% | 4,091 |
| Loan and lease loss provision to assets | 0.5036% | 2,090 |
| Net operating income to assets | 1.1972% | 1,519 |
| Return on assets (ROA) | 1.2249% | 1,548 |
| Pretax return on assets | 1.8357% | 749 |
| Return on Equity (ROE) | 11.6952% | 1,501 |
| Retained earnings to average equity (ytd only) | -7.8893% | 6,616 |
| Net charge-offs to loans | 0.5822% | 2,702 |
| Credit loss provision to net charge-offs | 109.5167% | 3,062 |
| Earnings coverage of net charge-offs (x) | 4.9974% | 2,923 |
| Efficiency ratio | 55.5177% | 6,366 |
| Assets per employee ($millions) | 6.4068% | 1,004 |
| Cash dividends to net income (ytd only)* | 167.4574% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,851 |
| Loan loss allowance to noncurrent loans | 92.4811% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 3,273 |
| Noncurrent loans to loans | 1.6603% | 3,674 |
| Net loans and leases to total assets | 77.3638% | 788 |
| Net loans and leases to deposits | 89.8640% | 1,172 |
| Net loans and leases to core deposits | 94.3027% | 1,661 |
| Total domestic deposits to total assets | 86.0898% | 3,268 |
| Equity capital to assets | 9.6238% | 4,712 |
| Core capital (leverage) ratio | 9.8784% | 3,483 |
| Tier 1 risk-based capital ratio | 11.7860% | 5,965 |
| Total risk-based capital ratio | 13.0404% | 5,947 |
| Memoranda: | ||
| Average total assets | $585,024,200 | 1,129 |
| Average earning assets | $557,535,400 | 1,065 |
| Average equity | $61,272,800 | 1,101 |
| Average total loans | $462,034,800 | 903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 3,359 |
| Cost of funding earning assets | 0.4637% | 6,842 |
| Net interest margin | 4.4810% | 1,191 |
| Noninterest income to average assets | 0.9069% | 1,622 |
| Noninterest expense to average assets | 2.8666% | 4,075 |
| Loan and lease loss provision to assets | 0.5007% | 1,979 |
| Net operating income to assets | 1.2131% | 1,618 |
| Return on assets (ROA) | 1.2131% | 1,726 |
| Pretax return on assets | 1.8156% | 927 |
| Return on Equity (ROE) | 11.3406% | 1,746 |
| Retained earnings to average equity (ytd only) | -8.0303% | 6,765 |
| Net charge-offs to loans | 0.4786% | 2,821 |
| Credit loss provision to net charge-offs | 132.2993% | 2,412 |
| Earnings coverage of net charge-offs (x) | 6.1198% | 2,614 |
| Efficiency ratio | 55.3083% | 6,360 |
| Assets per employee ($millions) | 6.1409% | 1,123 |
| Cash dividends to net income (ytd only)* | 170.8103% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 3,509 |
| Loan loss allowance to noncurrent loans | 77.6951% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.0479% | 3,081 |
| Noncurrent loans to loans | 2.1036% | 3,240 |
| Net loans and leases to total assets | 77.7734% | 730 |
| Net loans and leases to deposits | 93.6470% | 866 |
| Net loans and leases to core deposits | 98.6401% | 1,374 |
| Total domestic deposits to total assets | 83.0495% | 4,658 |
| Equity capital to assets | 10.2314% | 4,047 |
| Core capital (leverage) ratio | 10.1523% | 3,241 |
| Tier 1 risk-based capital ratio | 12.4181% | 5,560 |
| Total risk-based capital ratio | 13.6741% | 5,546 |
| Memoranda: | ||
| Average total assets | $579,118,250 | 1,145 |
| Average earning assets | $552,624,500 | 1,086 |
| Average equity | $61,947,250 | 1,095 |
| Average total loans | $457,989,500 | 926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 3,542 |
| Cost of funding earning assets | 0.4874% | 6,882 |
| Net interest margin | 4.4303% | 1,294 |
| Noninterest income to average assets | 0.7953% | 2,039 |
| Noninterest expense to average assets | 2.8913% | 4,057 |
| Loan and lease loss provision to assets | 0.5038% | 1,942 |
| Net operating income to assets | 1.1028% | 1,865 |
| Return on assets (ROA) | 1.1028% | 1,951 |
| Pretax return on assets | 1.6319% | 1,198 |
| Return on Equity (ROE) | 10.1583% | 2,064 |
| Retained earnings to average equity (ytd only) | -9.0446% | 6,829 |
| Net charge-offs to loans | 0.4564% | 2,753 |
| Credit loss provision to net charge-offs | 139.5573% | 2,180 |
| Earnings coverage of net charge-offs (x) | 5.9163% | 2,510 |
| Efficiency ratio | 57.5161% | 6,228 |
| Assets per employee ($millions) | 5.8480% | 1,270 |
| Cash dividends to net income (ytd only)* | 189.0359% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,600 |
| Loan loss allowance to noncurrent loans | 83.7373% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.8466% | 3,441 |
| Noncurrent loans to loans | 1.9409% | 3,552 |
| Net loans and leases to total assets | 79.1787% | 624 |
| Net loans and leases to deposits | 95.8822% | 734 |
| Net loans and leases to core deposits | 101.0596% | 1,253 |
| Total domestic deposits to total assets | 82.5791% | 4,954 |
| Equity capital to assets | 10.6575% | 3,324 |
| Core capital (leverage) ratio | 10.7230% | 2,498 |
| Tier 1 risk-based capital ratio | 12.4631% | 5,382 |
| Total risk-based capital ratio | 13.7184% | 5,355 |
| Memoranda: | ||
| Average total assets | $575,648,670 | 1,161 |
| Average earning assets | $549,850,000 | 1,103 |
| Average equity | $62,490,670 | 1,080 |
| Average total loans | $455,281,670 | 953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 3,598 |
| Cost of funding earning assets | 0.5126% | 6,930 |
| Net interest margin | 4.3872% | 1,320 |
| Noninterest income to average assets | 1.5094% | 570 |
| Noninterest expense to average assets | 2.8871% | 4,119 |
| Loan and lease loss provision to assets | 0.5027% | 1,732 |
| Net operating income to assets | 1.5004% | 875 |
| Return on assets (ROA) | 1.5004% | 919 |
| Pretax return on assets | 2.3095% | 340 |
| Return on Equity (ROE) | 13.6970% | 1,042 |
| Retained earnings to average equity (ytd only) | -5.2914% | 6,541 |
| Net charge-offs to loans | 0.1963% | 3,325 |
| Credit loss provision to net charge-offs | 326.5766% | 996 |
| Earnings coverage of net charge-offs (x) | 18.2703% | 1,189 |
| Efficiency ratio | 50.6569% | 6,941 |
| Assets per employee ($millions) | 5.8186% | 1,325 |
| Cash dividends to net income (ytd only)* | 138.6322% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,318 |
| Loan loss allowance to noncurrent loans | 89.3875% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9725% | 3,350 |
| Noncurrent loans to loans | 1.9089% | 3,690 |
| Net loans and leases to total assets | 75.1339% | 1,156 |
| Net loans and leases to deposits | 88.1671% | 1,447 |
| Net loans and leases to core deposits | 92.9880% | 2,012 |
| Total domestic deposits to total assets | 85.2177% | 3,940 |
| Equity capital to assets | 10.7815% | 2,894 |
| Core capital (leverage) ratio | 10.7768% | 2,377 |
| Tier 1 risk-based capital ratio | 13.1828% | 4,678 |
| Total risk-based capital ratio | 14.4388% | 4,649 |
| Memoranda: | ||
| Average total assets | $576,920,000 | 1,164 |
| Average earning assets | $550,961,000 | 1,107 |
| Average equity | $63,196,500 | 1,062 |
| Average total loans | $452,285,000 | 968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 3,687 |
| Cost of funding earning assets | 0.7636% | 6,694 |
| Net interest margin | 4.4189% | 1,418 |
| Noninterest income to average assets | 0.9798% | 1,572 |
| Noninterest expense to average assets | 2.7963% | 4,623 |
| Loan and lease loss provision to assets | 0.6738% | 2,450 |
| Net operating income to assets | 1.1468% | 1,553 |
| Return on assets (ROA) | 1.1954% | 1,506 |
| Pretax return on assets | 1.8032% | 758 |
| Return on Equity (ROE) | 11.0160% | 1,581 |
| Retained earnings to average equity (ytd only) | -2.7828% | 6,080 |
| Net charge-offs to loans | 1.0521% | 2,097 |
| Credit loss provision to net charge-offs | 79.7244% | 5,568 |
| Earnings coverage of net charge-offs (x) | 2.8435% | 3,651 |
| Efficiency ratio | 53.7790% | 6,828 |
| Assets per employee ($millions) | 5.6632% | 1,450 |
| Cash dividends to net income (ytd only)* | 125.2610% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 3,818 |
| Loan loss allowance to noncurrent loans | 74.1834% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2530% | 3,024 |
| Noncurrent loans to loans | 2.0774% | 3,453 |
| Net loans and leases to total assets | 79.1497% | 779 |
| Net loans and leases to deposits | 94.3257% | 1,032 |
| Net loans and leases to core deposits | 99.0301% | 1,700 |
| Total domestic deposits to total assets | 83.9111% | 4,395 |
| Equity capital to assets | 11.1297% | 2,567 |
| Core capital (leverage) ratio | 11.0028% | 2,163 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,467 |
| Total risk-based capital ratio | 14.4279% | 4,420 |
| Memoranda: | ||
| Average total assets | $601,035,200 | 1,111 |
| Average earning assets | $573,963,400 | 1,048 |
| Average equity | $65,223,200 | 1,028 |
| Average total loans | $482,826,800 | 930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 3,949 |
| Cost of funding earning assets | 0.8184% | 6,695 |
| Net interest margin | 4.3593% | 1,645 |
| Noninterest income to average assets | 0.8583% | 1,963 |
| Noninterest expense to average assets | 2.6969% | 4,894 |
| Loan and lease loss provision to assets | 0.6137% | 2,487 |
| Net operating income to assets | 1.1316% | 1,793 |
| Return on assets (ROA) | 1.1957% | 1,687 |
| Pretax return on assets | 1.8072% | 912 |
| Return on Equity (ROE) | 11.0848% | 1,762 |
| Retained earnings to average equity (ytd only) | -2.1235% | 6,223 |
| Net charge-offs to loans | 0.9529% | 2,088 |
| Credit loss provision to net charge-offs | 80.1833% | 5,124 |
| Earnings coverage of net charge-offs (x) | 3.0361% | 3,616 |
| Efficiency ratio | 53.7152% | 6,814 |
| Assets per employee ($millions) | 5.6819% | 1,479 |
| Cash dividends to net income (ytd only)* | 119.1568% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,516 |
| Loan loss allowance to noncurrent loans | 76.3575% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 2.3007% | 3,079 |
| Noncurrent loans to loans | 2.0983% | 3,572 |
| Net loans and leases to total assets | 79.4602% | 832 |
| Net loans and leases to deposits | 95.4842% | 1,048 |
| Net loans and leases to core deposits | 101.1611% | 1,730 |
| Total domestic deposits to total assets | 83.2182% | 4,493 |
| Equity capital to assets | 11.3249% | 2,683 |
| Core capital (leverage) ratio | 10.8843% | 2,348 |
| Tier 1 risk-based capital ratio | 13.1961% | 4,427 |
| Total risk-based capital ratio | 14.4513% | 4,402 |
| Memoranda: | ||
| Average total assets | $608,298,250 | 1,103 |
| Average earning assets | $580,813,000 | 1,043 |
| Average equity | $65,614,000 | 1,020 |
| Average total loans | $488,581,250 | 927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 4,144 |
| Cost of funding earning assets | 0.8265% | 6,830 |
| Net interest margin | 4.3328% | 1,657 |
| Noninterest income to average assets | 0.9013% | 1,685 |
| Noninterest expense to average assets | 2.6468% | 5,144 |
| Loan and lease loss provision to assets | 0.5809% | 2,450 |
| Net operating income to assets | 1.1811% | 1,610 |
| Return on assets (ROA) | 1.2740% | 1,435 |
| Pretax return on assets | 1.9459% | 675 |
| Return on Equity (ROE) | 11.9960% | 1,460 |
| Retained earnings to average equity (ytd only) | -0.1580% | 5,766 |
| Net charge-offs to loans | 0.4821% | 3,096 |
| Credit loss provision to net charge-offs | 150.2504% | 2,613 |
| Earnings coverage of net charge-offs (x) | 6.1661% | 2,512 |
| Efficiency ratio | 52.6140% | 7,015 |
| Assets per employee ($millions) | 5.9107% | 1,290 |
| Cash dividends to net income (ytd only)* | 101.3171% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,767 |
| Loan loss allowance to noncurrent loans | 121.7258% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.8902% | 3,633 |
| Noncurrent loans to loans | 1.4668% | 4,509 |
| Net loans and leases to total assets | 79.5430% | 866 |
| Net loans and leases to deposits | 99.8343% | 741 |
| Net loans and leases to core deposits | 108.5552% | 1,259 |
| Total domestic deposits to total assets | 79.6750% | 5,829 |
| Equity capital to assets | 10.9389% | 2,930 |
| Core capital (leverage) ratio | 10.7600% | 2,426 |
| Tier 1 risk-based capital ratio | 12.7365% | 4,659 |
| Total risk-based capital ratio | 13.9938% | 4,618 |
| Memoranda: | ||
| Average total assets | $619,774,330 | 1,087 |
| Average earning assets | $590,661,000 | 1,036 |
| Average equity | $65,822,000 | 1,011 |
| Average total loans | $496,967,330 | 917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 4,422 |
| Cost of funding earning assets | 0.8555% | 6,920 |
| Net interest margin | 4.2681% | 1,794 |
| Noninterest income to average assets | 0.8991% | 1,625 |
| Noninterest expense to average assets | 2.5501% | 5,550 |
| Loan and lease loss provision to assets | 0.6367% | 1,992 |
| Net operating income to assets | 1.1671% | 1,623 |
| Return on assets (ROA) | 1.2225% | 1,557 |
| Pretax return on assets | 1.8669% | 781 |
| Return on Equity (ROE) | 11.6792% | 1,591 |
| Retained earnings to average equity (ytd only) | -0.4866% | 5,946 |
| Net charge-offs to loans | 0.3343% | 3,074 |
| Credit loss provision to net charge-offs | 238.6635% | 1,609 |
| Earnings coverage of net charge-offs (x) | 9.0644% | 1,902 |
| Efficiency ratio | 51.3264% | 7,205 |
| Assets per employee ($millions) | 6.1039% | 1,190 |
| Cash dividends to net income (ytd only)* | 104.1667% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,851 |
| Loan loss allowance to noncurrent loans | 118.0695% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 3,559 |
| Noncurrent loans to loans | 1.4935% | 4,505 |
| Net loans and leases to total assets | 78.5931% | 1,041 |
| Net loans and leases to deposits | 95.6093% | 1,157 |
| Net loans and leases to core deposits | 103.5715% | 1,780 |
| Total domestic deposits to total assets | 82.2024% | 4,977 |
| Equity capital to assets | 10.6749% | 3,064 |
| Core capital (leverage) ratio | 10.4553% | 2,663 |
| Tier 1 risk-based capital ratio | 12.5654% | 4,679 |
| Total risk-based capital ratio | 13.8224% | 4,640 |
| Memoranda: | ||
| Average total assets | $628,215,000 | 1,099 |
| Average earning assets | $598,956,000 | 1,048 |
| Average equity | $65,758,000 | 1,013 |
| Average total loans | $501,312,500 | 935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 5,594 |
| Cost of funding earning assets | 1.2974% | 6,316 |
| Net interest margin | 3.9152% | 3,208 |
| Noninterest income to average assets | 1.0824% | 1,318 |
| Noninterest expense to average assets | 2.6351% | 5,650 |
| Loan and lease loss provision to assets | 0.5942% | 3,418 |
| Net operating income to assets | 1.0336% | 1,727 |
| Return on assets (ROA) | 1.0610% | 1,669 |
| Pretax return on assets | 1.5982% | 972 |
| Return on Equity (ROE) | 10.8074% | 1,476 |
| Retained earnings to average equity (ytd only) | -1.3957% | 5,366 |
| Net charge-offs to loans | 0.7527% | 2,942 |
| Credit loss provision to net charge-offs | 99.2496% | 5,620 |
| Earnings coverage of net charge-offs (x) | 3.5925% | 3,282 |
| Efficiency ratio | 55.0580% | 7,123 |
| Assets per employee ($millions) | 6.2130% | 1,125 |
| Cash dividends to net income (ytd only)* | 112.9146% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,305 |
| Loan loss allowance to noncurrent loans | 103.8782% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.9213% | 3,503 |
| Noncurrent loans to loans | 1.5337% | 4,351 |
| Net loans and leases to total assets | 78.3344% | 1,312 |
| Net loans and leases to deposits | 98.3417% | 1,065 |
| Net loans and leases to core deposits | 106.3023% | 3,300 |
| Total domestic deposits to total assets | 79.6553% | 5,791 |
| Equity capital to assets | 10.2676% | 3,441 |
| Core capital (leverage) ratio | 10.1486% | 2,950 |
| Tier 1 risk-based capital ratio | 12.1748% | 4,795 |
| Total risk-based capital ratio | 13.4297% | 4,752 |
| Memoranda: | ||
| Average total assets | $667,751,600 | 1,038 |
| Average earning assets | $631,664,000 | 991 |
| Average equity | $65,557,000 | 1,009 |
| Average total loans | $531,134,800 | 898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 5,914 |
| Cost of funding earning assets | 1.3895% | 6,274 |
| Net interest margin | 3.8018% | 3,650 |
| Noninterest income to average assets | 1.0207% | 1,531 |
| Noninterest expense to average assets | 2.5227% | 6,006 |
| Loan and lease loss provision to assets | 0.6521% | 2,798 |
| Net operating income to assets | 0.9595% | 2,198 |
| Return on assets (ROA) | 0.9962% | 2,134 |
| Pretax return on assets | 1.4906% | 1,439 |
| Return on Equity (ROE) | 10.2582% | 1,829 |
| Retained earnings to average equity (ytd only) | -1.9515% | 5,719 |
| Net charge-offs to loans | 0.7857% | 2,399 |
| Credit loss provision to net charge-offs | 104.3643% | 4,869 |
| Earnings coverage of net charge-offs (x) | 3.3416% | 3,568 |
| Efficiency ratio | 54.7146% | 7,157 |
| Assets per employee ($millions) | 6.1585% | 1,137 |
| Cash dividends to net income (ytd only)* | 119.0239% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,044 |
| Loan loss allowance to noncurrent loans | 109.8819% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.7921% | 3,665 |
| Noncurrent loans to loans | 1.4438% | 4,507 |
| Net loans and leases to total assets | 78.7194% | 1,442 |
| Net loans and leases to deposits | 101.9253% | 928 |
| Net loans and leases to core deposits | 111.8170% | 3,043 |
| Total domestic deposits to total assets | 77.2325% | 6,280 |
| Equity capital to assets | 10.0628% | 4,010 |
| Core capital (leverage) ratio | 9.7340% | 3,596 |
| Tier 1 risk-based capital ratio | 11.6866% | 5,254 |
| Total risk-based capital ratio | 12.9408% | 5,202 |
| Memoranda: | ||
| Average total assets | $674,705,250 | 1,030 |
| Average earning assets | $637,122,500 | 993 |
| Average equity | $65,519,750 | 1,024 |
| Average total loans | $536,566,750 | 905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 6,342 |
| Cost of funding earning assets | 1.5254% | 6,040 |
| Net interest margin | 3.5983% | 4,368 |
| Noninterest income to average assets | 1.0915% | 1,340 |
| Noninterest expense to average assets | 2.5665% | 5,875 |
| Loan and lease loss provision to assets | 0.6745% | 2,409 |
| Net operating income to assets | 0.8386% | 2,704 |
| Return on assets (ROA) | 0.8938% | 2,589 |
| Pretax return on assets | 1.3205% | 1,962 |
| Return on Equity (ROE) | 9.3121% | 2,250 |
| Retained earnings to average equity (ytd only) | -2.9085% | 5,956 |
| Net charge-offs to loans | 1.0891% | 1,671 |
| Credit loss provision to net charge-offs | 78.0190% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.2137% | 3,958 |
| Efficiency ratio | 57.2850% | 6,960 |
| Assets per employee ($millions) | 6.6893% | 892 |
| Cash dividends to net income (ytd only)* | 131.2336% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 3,893 |
| Loan loss allowance to noncurrent loans | 87.0848% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 3,358 |
| Noncurrent loans to loans | 1.5719% | 4,143 |
| Net loans and leases to total assets | 76.1929% | 2,136 |
| Net loans and leases to deposits | 115.1407% | 355 |
| Net loans and leases to core deposits | 127.9236% | 1,714 |
| Total domestic deposits to total assets | 66.1737% | 7,729 |
| Equity capital to assets | 9.1736% | 5,058 |
| Core capital (leverage) ratio | 9.6749% | 3,663 |
| Tier 1 risk-based capital ratio | 11.0072% | 5,867 |
| Total risk-based capital ratio | 12.2585% | 5,795 |
| Memoranda: | ||
| Average total assets | $682,006,330 | 1,033 |
| Average earning assets | $642,304,670 | 998 |
| Average equity | $65,463,000 | 1,033 |
| Average total loans | $541,367,000 | 920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 6,510 |
| Cost of funding earning assets | 1.7003% | 5,597 |
| Net interest margin | 3.4432% | 4,965 |
| Noninterest income to average assets | 0.9861% | 1,525 |
| Noninterest expense to average assets | 2.4258% | 6,110 |
| Loan and lease loss provision to assets | 0.4488% | 2,676 |
| Net operating income to assets | 0.9258% | 2,593 |
| Return on assets (ROA) | 1.0352% | 2,313 |
| Pretax return on assets | 1.5576% | 1,516 |
| Return on Equity (ROE) | 10.5374% | 2,112 |
| Retained earnings to average equity (ytd only) | -1.6446% | 6,027 |
| Net charge-offs to loans | 0.3426% | 2,715 |
| Credit loss provision to net charge-offs | 162.6898% | 2,613 |
| Earnings coverage of net charge-offs (x) | 6.6725% | 2,458 |
| Efficiency ratio | 56.8583% | 6,851 |
| Assets per employee ($millions) | 6.4535% | 985 |
| Cash dividends to net income (ytd only)* | 115.6069% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,706 |
| Loan loss allowance to noncurrent loans | 129.0742% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 3,444 |
| Noncurrent loans to loans | 1.2037% | 4,564 |
| Net loans and leases to total assets | 79.6355% | 1,451 |
| Net loans and leases to deposits | 108.3956% | 705 |
| Net loans and leases to core deposits | 118.5943% | 2,543 |
| Total domestic deposits to total assets | 73.4674% | 6,973 |
| Equity capital to assets | 9.8032% | 4,236 |
| Core capital (leverage) ratio | 9.7205% | 3,724 |
| Tier 1 risk-based capital ratio | 11.2883% | 5,611 |
| Total risk-based capital ratio | 12.5420% | 5,520 |
| Memoranda: | ||
| Average total assets | $668,474,500 | 1,060 |
| Average earning assets | $636,846,500 | 1,005 |
| Average equity | $65,671,000 | 1,033 |
| Average total loans | $538,171,000 | 929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9290% | 5,904 |
| Cost of funding earning assets | 2.4231% | 4,619 |
| Net interest margin | 3.5058% | 5,278 |
| Noninterest income to average assets | 0.8665% | 2,129 |
| Noninterest expense to average assets | 2.4220% | 6,324 |
| Loan and lease loss provision to assets | 0.2965% | 4,011 |
| Net operating income to assets | 1.0082% | 2,521 |
| Return on assets (ROA) | 1.0082% | 2,405 |
| Pretax return on assets | 1.4661% | 1,775 |
| Return on Equity (ROE) | 10.5815% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.4670% | 995 |
| Net charge-offs to loans | 0.3419% | 3,123 |
| Credit loss provision to net charge-offs | 111.3092% | 4,844 |
| Earnings coverage of net charge-offs (x) | 6.6178% | 3,318 |
| Efficiency ratio | 57.8789% | 6,721 |
| Assets per employee ($millions) | 6.3408% | 968 |
| Cash dividends to net income (ytd only)* | 29.4334% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 2,558 |
| Loan loss allowance to noncurrent loans | 138.1146% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 2,980 |
| Noncurrent loans to loans | 1.1057% | 4,344 |
| Net loans and leases to total assets | 78.8958% | 1,915 |
| Net loans and leases to deposits | 110.1922% | 818 |
| Net loans and leases to core deposits | 119.6811% | 2,721 |
| Total domestic deposits to total assets | 71.5983% | 7,075 |
| Equity capital to assets | 9.8450% | 4,231 |
| Core capital (leverage) ratio | 9.9042% | 3,544 |
| Tier 1 risk-based capital ratio | 11.3467% | 5,391 |
| Total risk-based capital ratio | 12.5997% | 5,292 |
| Memoranda: | ||
| Average total assets | $673,946,000 | 989 |
| Average earning assets | $637,848,800 | 954 |
| Average equity | $64,216,000 | 1,041 |
| Average total loans | $524,993,200 | 903 |