Home > Bremer Bank > Performance and Condition Ratios
Bremer Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0322% | 6,103 |
| Cost of funding earning assets | 0.1493% | 6,188 |
| Net interest margin | 2.8829% | 5,738 |
| Noninterest income to average assets | 0.7230% | 2,212 |
| Noninterest expense to average assets | 2.3233% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8237% | 3,321 |
| Return on assets (ROA) | 0.9103% | 2,962 |
| Pretax return on assets | 1.2977% | 2,382 |
| Return on Equity (ROE) | 12.6922% | 1,303 |
| Retained earnings to average equity (ytd only) | 2.8406% | 4,576 |
| Net charge-offs to loans | 0.0203% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 142.4759% | 432 |
| Efficiency ratio | 66.4310% | 4,151 |
| Assets per employee ($millions) | 9.6367% | 270 |
| Cash dividends to net income (ytd only)* | 77.6197% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,854 |
| Loan loss allowance to noncurrent loans | 331.6017% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 5,343 |
| Noncurrent loans to loans | 0.5247% | 4,361 |
| Net loans and leases to total assets | 40.8051% | 5,766 |
| Net loans and leases to deposits | 51.0275% | 5,584 |
| Net loans and leases to core deposits | 52.9839% | 5,629 |
| Total domestic deposits to total assets | 79.9668% | 5,108 |
| Equity capital to assets | 7.7818% | 6,219 |
| Core capital (leverage) ratio | 7.5764% | 6,246 |
| Tier 1 risk-based capital ratio | 15.6198% | 3,250 |
| Total risk-based capital ratio | 16.8714% | 3,189 |
| Memoranda: | ||
| Average total assets | $113,226,000 | 4,351 |
| Average earning assets | $108,962,000 | 4,246 |
| Average equity | $8,120,250 | 5,214 |
| Average total loans | $45,866,750 | 5,003 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 6,187 |
| Cost of funding earning assets | 0.1526% | 6,254 |
| Net interest margin | 2.8400% | 5,837 |
| Noninterest income to average assets | 0.7334% | 2,126 |
| Noninterest expense to average assets | 2.2986% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8153% | 3,253 |
| Return on assets (ROA) | 0.9340% | 2,735 |
| Pretax return on assets | 1.3404% | 2,114 |
| Return on Equity (ROE) | 13.3708% | 1,078 |
| Retained earnings to average equity (ytd only) | 3.4665% | 3,995 |
| Net charge-offs to loans | 0.0258% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 112.8333% | 511 |
| Efficiency ratio | 66.2512% | 4,323 |
| Assets per employee ($millions) | 9.4601% | 281 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 2,172 |
| Loan loss allowance to noncurrent loans | 316.9421% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 5,401 |
| Noncurrent loans to loans | 0.5313% | 4,418 |
| Net loans and leases to total assets | 43.0305% | 5,604 |
| Net loans and leases to deposits | 53.2818% | 5,400 |
| Net loans and leases to core deposits | 55.5159% | 5,441 |
| Total domestic deposits to total assets | 80.7603% | 5,050 |
| Equity capital to assets | 7.9280% | 6,188 |
| Core capital (leverage) ratio | 7.3806% | 6,345 |
| Tier 1 risk-based capital ratio | 15.1206% | 3,572 |
| Total risk-based capital ratio | 16.3745% | 3,516 |
| Memoranda: | ||
| Average total assets | $115,633,330 | 4,337 |
| Average earning assets | $111,406,670 | 4,204 |
| Average equity | $8,077,330 | 5,256 |
| Average total loans | $46,482,000 | 5,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 6,414 |
| Cost of funding earning assets | 0.1537% | 6,337 |
| Net interest margin | 2.6202% | 6,208 |
| Noninterest income to average assets | 0.6655% | 2,370 |
| Noninterest expense to average assets | 2.0952% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7501% | 3,418 |
| Return on assets (ROA) | 0.9751% | 2,366 |
| Pretax return on assets | 1.4232% | 1,668 |
| Return on Equity (ROE) | 14.8167% | 811 |
| Retained earnings to average equity (ytd only) | 4.8054% | 3,226 |
| Net charge-offs to loans | -0.0085% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6347% | 4,591 |
| Assets per employee ($millions) | 10.5406% | 208 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 2,460 |
| Loan loss allowance to noncurrent loans | 176.3098% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 5,115 |
| Noncurrent loans to loans | 0.9435% | 3,532 |
| Net loans and leases to total assets | 36.1737% | 6,063 |
| Net loans and leases to deposits | 50.9828% | 5,525 |
| Net loans and leases to core deposits | 52.9872% | 5,565 |
| Total domestic deposits to total assets | 70.9527% | 6,404 |
| Equity capital to assets | 6.3991% | 6,535 |
| Core capital (leverage) ratio | 7.0621% | 6,455 |
| Tier 1 risk-based capital ratio | 15.7171% | 3,319 |
| Total risk-based capital ratio | 16.9711% | 3,281 |
| Memoranda: | ||
| Average total assets | $121,419,500 | 4,247 |
| Average earning assets | $117,092,000 | 4,111 |
| Average equity | $7,991,000 | 5,293 |
| Average total loans | $46,950,500 | 5,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1209% | 6,219 |
| Cost of funding earning assets | 0.2124% | 6,218 |
| Net interest margin | 2.9085% | 5,773 |
| Noninterest income to average assets | 0.6935% | 2,575 |
| Noninterest expense to average assets | 2.2963% | 5,396 |
| Loan and lease loss provision to assets | 0.0044% | 5,030 |
| Net operating income to assets | 0.8378% | 3,100 |
| Return on assets (ROA) | 0.9136% | 2,802 |
| Pretax return on assets | 1.2997% | 2,156 |
| Return on Equity (ROE) | 13.1061% | 1,148 |
| Retained earnings to average equity (ytd only) | 0.5764% | 5,583 |
| Net charge-offs to loans | 0.0625% | 4,339 |
| Credit loss provision to net charge-offs | 16.1290% | 4,508 |
| Earnings coverage of net charge-offs (x) | 44.1613% | 874 |
| Efficiency ratio | 65.7579% | 4,603 |
| Assets per employee ($millions) | 9.6960% | 254 |
| Cash dividends to net income (ytd only)* | 95.6023% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 2,643 |
| Loan loss allowance to noncurrent loans | 392.3858% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 5,805 |
| Noncurrent loans to loans | 0.4159% | 4,964 |
| Net loans and leases to total assets | 40.0500% | 5,957 |
| Net loans and leases to deposits | 48.7040% | 5,849 |
| Net loans and leases to core deposits | 50.9051% | 5,879 |
| Total domestic deposits to total assets | 82.2315% | 4,800 |
| Equity capital to assets | 6.7794% | 6,516 |
| Core capital (leverage) ratio | 6.8481% | 6,550 |
| Tier 1 risk-based capital ratio | 14.9500% | 3,698 |
| Total risk-based capital ratio | 16.2040% | 3,641 |
| Memoranda: | ||
| Average total assets | $114,488,600 | 4,399 |
| Average earning assets | $110,160,600 | 4,256 |
| Average equity | $7,981,000 | 5,341 |
| Average total loans | $49,613,000 | 4,976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 6,229 |
| Cost of funding earning assets | 0.2248% | 6,266 |
| Net interest margin | 2.9517% | 5,696 |
| Noninterest income to average assets | 0.7191% | 2,512 |
| Noninterest expense to average assets | 2.2872% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8846% | 2,913 |
| Return on assets (ROA) | 0.9869% | 2,532 |
| Pretax return on assets | 1.4184% | 1,874 |
| Return on Equity (ROE) | 14.0589% | 985 |
| Retained earnings to average equity (ytd only) | 1.5658% | 5,346 |
| Net charge-offs to loans | 0.0239% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 120.8858% | 432 |
| Efficiency ratio | 64.2576% | 4,761 |
| Assets per employee ($millions) | 8.5992% | 367 |
| Cash dividends to net income (ytd only)* | 88.8626% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 2,892 |
| Loan loss allowance to noncurrent loans | 370.8920% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 5,872 |
| Noncurrent loans to loans | 0.4386% | 5,102 |
| Net loans and leases to total assets | 42.7403% | 5,844 |
| Net loans and leases to deposits | 53.3808% | 5,597 |
| Net loans and leases to core deposits | 55.8466% | 5,637 |
| Total domestic deposits to total assets | 80.0669% | 5,493 |
| Equity capital to assets | 7.0740% | 6,528 |
| Core capital (leverage) ratio | 7.1920% | 6,549 |
| Tier 1 risk-based capital ratio | 14.7251% | 3,931 |
| Total risk-based capital ratio | 15.9840% | 3,888 |
| Memoranda: | ||
| Average total assets | $114,022,750 | 4,449 |
| Average earning assets | $109,718,750 | 4,315 |
| Average equity | $8,004,250 | 5,388 |
| Average total loans | $50,173,250 | 4,993 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1648% | 6,274 |
| Cost of funding earning assets | 0.2397% | 6,244 |
| Net interest margin | 2.9251% | 5,736 |
| Noninterest income to average assets | 0.6709% | 2,787 |
| Noninterest expense to average assets | 2.2620% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8888% | 2,852 |
| Return on assets (ROA) | 0.8888% | 3,003 |
| Pretax return on assets | 1.2582% | 2,458 |
| Return on Equity (ROE) | 12.6924% | 1,319 |
| Retained earnings to average equity (ytd only) | 0.2489% | 5,782 |
| Net charge-offs to loans | 0.0039% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 55 |
| Efficiency ratio | 64.2574% | 4,837 |
| Assets per employee ($millions) | 7.6902% | 515 |
| Cash dividends to net income (ytd only)* | 98.0392% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,122 |
| Loan loss allowance to noncurrent loans | 508.2803% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,057 |
| Noncurrent loans to loans | 0.3167% | 5,503 |
| Net loans and leases to total assets | 45.3099% | 5,607 |
| Net loans and leases to deposits | 56.6048% | 5,282 |
| Net loans and leases to core deposits | 59.2460% | 5,324 |
| Total domestic deposits to total assets | 80.0461% | 5,593 |
| Equity capital to assets | 7.3554% | 6,488 |
| Core capital (leverage) ratio | 7.0778% | 6,591 |
| Tier 1 risk-based capital ratio | 15.8711% | 3,278 |
| Total risk-based capital ratio | 17.1264% | 3,219 |
| Memoranda: | ||
| Average total assets | $114,767,330 | 4,469 |
| Average earning assets | $111,792,000 | 4,297 |
| Average equity | $8,036,330 | 5,417 |
| Average total loans | $50,708,000 | 4,998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 6,381 |
| Cost of funding earning assets | 0.2495% | 6,291 |
| Net interest margin | 2.8689% | 5,870 |
| Noninterest income to average assets | 0.6525% | 2,867 |
| Noninterest expense to average assets | 2.2110% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8756% | 2,775 |
| Return on assets (ROA) | 0.8756% | 2,926 |
| Pretax return on assets | 1.2407% | 2,431 |
| Return on Equity (ROE) | 12.7980% | 1,214 |
| Retained earnings to average equity (ytd only) | 0.4447% | 5,645 |
| Net charge-offs to loans | 0.0156% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 223 |
| Efficiency ratio | 64.0548% | 5,004 |
| Assets per employee ($millions) | 9.5883% | 259 |
| Cash dividends to net income (ytd only)* | 96.5251% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,484 |
| Loan loss allowance to noncurrent loans | 491.9753% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 6,151 |
| Noncurrent loans to loans | 0.3212% | 5,592 |
| Net loans and leases to total assets | 43.1366% | 5,745 |
| Net loans and leases to deposits | 53.7893% | 5,453 |
| Net loans and leases to core deposits | 56.9506% | 5,437 |
| Total domestic deposits to total assets | 80.1956% | 5,713 |
| Equity capital to assets | 7.0250% | 6,706 |
| Core capital (leverage) ratio | 6.6573% | 6,724 |
| Tier 1 risk-based capital ratio | 15.2228% | 3,695 |
| Total risk-based capital ratio | 16.4768% | 3,645 |
| Memoranda: | ||
| Average total assets | $118,319,500 | 4,433 |
| Average earning assets | $115,443,500 | 4,257 |
| Average equity | $8,095,000 | 5,461 |
| Average total loans | $51,272,000 | 5,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 6,417 |
| Cost of funding earning assets | 0.4394% | 5,655 |
| Net interest margin | 3.0103% | 6,030 |
| Noninterest income to average assets | 0.7611% | 2,441 |
| Noninterest expense to average assets | 2.2867% | 5,725 |
| Loan and lease loss provision to assets | 0.0156% | 5,707 |
| Net operating income to assets | 0.9589% | 2,507 |
| Return on assets (ROA) | 0.9589% | 2,753 |
| Pretax return on assets | 1.3883% | 2,082 |
| Return on Equity (ROE) | 13.5830% | 1,082 |
| Retained earnings to average equity (ytd only) | 1.3461% | 5,202 |
| Net charge-offs to loans | 0.0219% | 5,594 |
| Credit loss provision to net charge-offs | 163.6364% | 1,645 |
| Earnings coverage of net charge-offs (x) | 147.7273% | 288 |
| Efficiency ratio | 61.9616% | 5,244 |
| Assets per employee ($millions) | 10.1316% | 226 |
| Cash dividends to net income (ytd only)* | 90.0901% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,600 |
| Loan loss allowance to noncurrent loans | 490.1840% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 6,186 |
| Noncurrent loans to loans | 0.3128% | 5,705 |
| Net loans and leases to total assets | 42.2071% | 5,985 |
| Net loans and leases to deposits | 51.5838% | 5,833 |
| Net loans and leases to core deposits | 54.2304% | 5,855 |
| Total domestic deposits to total assets | 81.8225% | 5,154 |
| Equity capital to assets | 6.6681% | 6,823 |
| Core capital (leverage) ratio | 6.8763% | 6,734 |
| Tier 1 risk-based capital ratio | 14.6635% | 3,920 |
| Total risk-based capital ratio | 15.9172% | 3,882 |
| Memoranda: | ||
| Average total assets | $115,755,400 | 4,445 |
| Average earning assets | $112,647,600 | 4,279 |
| Average equity | $8,172,000 | 5,453 |
| Average total loans | $50,244,400 | 5,096 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 6,475 |
| Cost of funding earning assets | 0.4810% | 5,563 |
| Net interest margin | 3.0489% | 6,067 |
| Noninterest income to average assets | 0.7652% | 2,407 |
| Noninterest expense to average assets | 2.3283% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9659% | 2,679 |
| Return on assets (ROA) | 0.9659% | 2,894 |
| Pretax return on assets | 1.4021% | 2,227 |
| Return on Equity (ROE) | 13.4824% | 1,225 |
| Retained earnings to average equity (ytd only) | 1.2701% | 5,664 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4140% | 5,083 |
| Assets per employee ($millions) | 9.4753% | 279 |
| Cash dividends to net income (ytd only)* | 90.5804% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 3,495 |
| Loan loss allowance to noncurrent loans | 339.9142% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,124 |
| Noncurrent loans to loans | 0.4724% | 5,506 |
| Net loans and leases to total assets | 42.6779% | 6,067 |
| Net loans and leases to deposits | 53.5749% | 5,838 |
| Net loans and leases to core deposits | 56.7961% | 5,826 |
| Total domestic deposits to total assets | 79.6602% | 5,737 |
| Equity capital to assets | 7.2769% | 6,827 |
| Core capital (leverage) ratio | 6.8336% | 6,829 |
| Tier 1 risk-based capital ratio | 15.4211% | 3,586 |
| Total risk-based capital ratio | 16.6764% | 3,533 |
| Memoranda: | ||
| Average total assets | $114,299,500 | 4,527 |
| Average earning assets | $111,163,500 | 4,359 |
| Average equity | $8,188,250 | 5,499 |
| Average total loans | $49,777,000 | 5,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 6,539 |
| Cost of funding earning assets | 0.5227% | 5,470 |
| Net interest margin | 3.0308% | 6,173 |
| Noninterest income to average assets | 0.6970% | 2,692 |
| Noninterest expense to average assets | 2.3197% | 5,678 |
| Loan and lease loss provision to assets | 0.0140% | 5,486 |
| Net operating income to assets | 0.9170% | 2,821 |
| Return on assets (ROA) | 0.9170% | 3,087 |
| Pretax return on assets | 1.3205% | 2,481 |
| Return on Equity (ROE) | 12.8682% | 1,396 |
| Retained earnings to average equity (ytd only) | 0.6128% | 5,818 |
| Net charge-offs to loans | 0.0040% | 5,452 |
| Credit loss provision to net charge-offs | 800.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 764.0000% | 45 |
| Efficiency ratio | 63.4799% | 4,989 |
| Assets per employee ($millions) | 8.6950% | 360 |
| Cash dividends to net income (ytd only)* | 95.2381% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 6,762 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.9147% | 6,023 |
| Net loans and leases to deposits | 54.6408% | 5,807 |
| Net loans and leases to core deposits | 58.1893% | 5,759 |
| Total domestic deposits to total assets | 80.3698% | 5,644 |
| Equity capital to assets | 7.2234% | 6,863 |
| Core capital (leverage) ratio | 6.9209% | 6,839 |
| Tier 1 risk-based capital ratio | 14.6852% | 3,976 |
| Total risk-based capital ratio | 15.9394% | 3,937 |
| Memoranda: | ||
| Average total assets | $114,498,330 | 4,548 |
| Average earning assets | $111,719,330 | 4,370 |
| Average equity | $8,159,670 | 5,522 |
| Average total loans | $49,930,000 | 5,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 6,646 |
| Cost of funding earning assets | 0.6075% | 5,070 |
| Net interest margin | 2.9344% | 6,426 |
| Noninterest income to average assets | 0.6318% | 3,046 |
| Noninterest expense to average assets | 2.2772% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8574% | 3,120 |
| Return on assets (ROA) | 0.8574% | 3,354 |
| Pretax return on assets | 1.2219% | 2,827 |
| Return on Equity (ROE) | 12.1123% | 1,650 |
| Retained earnings to average equity (ytd only) | -0.1471% | 6,015 |
| Net charge-offs to loans | -0.0081% | 5,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0794% | 4,724 |
| Assets per employee ($millions) | 8.7664% | 354 |
| Cash dividends to net income (ytd only)* | 101.2146% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,688 |
| Loan loss allowance to noncurrent loans | 2,143.2432% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,824 |
| Noncurrent loans to loans | 0.0751% | 6,564 |
| Net loans and leases to total assets | 42.5603% | 6,138 |
| Net loans and leases to deposits | 52.7660% | 5,918 |
| Net loans and leases to core deposits | 56.3137% | 5,879 |
| Total domestic deposits to total assets | 80.6586% | 5,688 |
| Equity capital to assets | 7.1181% | 6,908 |
| Core capital (leverage) ratio | 6.8223% | 6,900 |
| Tier 1 risk-based capital ratio | 14.6723% | 3,973 |
| Total risk-based capital ratio | 15.9260% | 3,931 |
| Memoranda: | ||
| Average total assets | $115,230,000 | 4,554 |
| Average earning assets | $112,595,000 | 4,364 |
| Average equity | $8,157,000 | 5,545 |
| Average total loans | $49,676,000 | 5,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 6,706 |
| Cost of funding earning assets | 0.7643% | 5,103 |
| Net interest margin | 3.0528% | 6,443 |
| Noninterest income to average assets | 0.6766% | 2,744 |
| Noninterest expense to average assets | 2.2198% | 6,228 |
| Loan and lease loss provision to assets | 0.0604% | 5,852 |
| Net operating income to assets | 0.9362% | 2,462 |
| Return on assets (ROA) | 0.9427% | 2,564 |
| Pretax return on assets | 1.3777% | 1,850 |
| Return on Equity (ROE) | 13.3663% | 1,073 |
| Retained earnings to average equity (ytd only) | 0.9556% | 5,414 |
| Net charge-offs to loans | 0.0596% | 5,708 |
| Credit loss provision to net charge-offs | 230.0000% | 1,057 |
| Earnings coverage of net charge-offs (x) | 54.4000% | 520 |
| Efficiency ratio | 60.8445% | 5,628 |
| Assets per employee ($millions) | 8.9613% | 334 |
| Cash dividends to net income (ytd only)* | 92.8505% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 3,654 |
| Loan loss allowance to noncurrent loans | 2,140.5405% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,860 |
| Noncurrent loans to loans | 0.0739% | 6,631 |
| Net loans and leases to total assets | 42.2878% | 6,358 |
| Net loans and leases to deposits | 51.6952% | 6,241 |
| Net loans and leases to core deposits | 54.8744% | 6,236 |
| Total domestic deposits to total assets | 81.8021% | 5,188 |
| Equity capital to assets | 7.0405% | 6,954 |
| Core capital (leverage) ratio | 6.9181% | 6,888 |
| Tier 1 risk-based capital ratio | 14.5081% | 3,970 |
| Total risk-based capital ratio | 15.7620% | 3,939 |
| Memoranda: | ||
| Average total assets | $114,244,400 | 4,545 |
| Average earning assets | $111,211,000 | 4,365 |
| Average equity | $8,057,600 | 5,556 |
| Average total loans | $50,299,200 | 5,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 6,677 |
| Cost of funding earning assets | 0.8102% | 5,085 |
| Net interest margin | 3.1274% | 6,346 |
| Noninterest income to average assets | 0.6509% | 2,873 |
| Noninterest expense to average assets | 2.2096% | 6,257 |
| Loan and lease loss provision to assets | 0.0657% | 5,635 |
| Net operating income to assets | 0.9623% | 2,472 |
| Return on assets (ROA) | 0.9711% | 2,602 |
| Pretax return on assets | 1.4309% | 1,847 |
| Return on Equity (ROE) | 13.7626% | 1,091 |
| Retained earnings to average equity (ytd only) | 2.9587% | 4,580 |
| Net charge-offs to loans | 0.0238% | 5,815 |
| Credit loss provision to net charge-offs | 622.2222% | 433 |
| Earnings coverage of net charge-offs (x) | 140.5517% | 268 |
| Efficiency ratio | 59.8285% | 5,752 |
| Assets per employee ($millions) | 8.1013% | 451 |
| Cash dividends to net income (ytd only)* | 78.5030% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,496 |
| Loan loss allowance to noncurrent loans | 1,379.3103% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 6,879 |
| Noncurrent loans to loans | 0.1187% | 6,638 |
| Net loans and leases to total assets | 42.3901% | 6,476 |
| Net loans and leases to deposits | 52.1335% | 6,351 |
| Net loans and leases to core deposits | 55.4546% | 6,352 |
| Total domestic deposits to total assets | 81.3107% | 5,331 |
| Equity capital to assets | 7.3560% | 6,967 |
| Core capital (leverage) ratio | 7.0675% | 6,940 |
| Tier 1 risk-based capital ratio | 14.9067% | 3,716 |
| Total risk-based capital ratio | 16.1599% | 3,685 |
| Memoranda: | ||
| Average total assets | $113,681,250 | 4,586 |
| Average earning assets | $110,589,500 | 4,406 |
| Average equity | $8,021,500 | 5,595 |
| Average total loans | $50,360,000 | 5,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 6,662 |
| Cost of funding earning assets | 0.8375% | 5,141 |
| Net interest margin | 3.1603% | 6,264 |
| Noninterest income to average assets | 0.6592% | 2,762 |
| Noninterest expense to average assets | 2.2220% | 6,325 |
| Loan and lease loss provision to assets | 0.0668% | 5,470 |
| Net operating income to assets | 0.9715% | 2,352 |
| Return on assets (ROA) | 0.9845% | 2,389 |
| Pretax return on assets | 1.4609% | 1,637 |
| Return on Equity (ROE) | 14.1515% | 946 |
| Retained earnings to average equity (ytd only) | -2.2744% | 6,289 |
| Net charge-offs to loans | 0.0236% | 5,501 |
| Credit loss provision to net charge-offs | 633.3333% | 494 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 250 |
| Efficiency ratio | 59.5664% | 5,936 |
| Assets per employee ($millions) | 7.7968% | 496 |
| Cash dividends to net income (ytd only)* | 116.0714% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,819 |
| Loan loss allowance to noncurrent loans | 1,330.5085% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,917 |
| Noncurrent loans to loans | 0.1181% | 6,684 |
| Net loans and leases to total assets | 45.0579% | 6,348 |
| Net loans and leases to deposits | 55.5671% | 6,172 |
| Net loans and leases to core deposits | 59.3317% | 6,155 |
| Total domestic deposits to total assets | 81.0874% | 5,495 |
| Equity capital to assets | 7.2676% | 7,036 |
| Core capital (leverage) ratio | 6.9388% | 7,021 |
| Tier 1 risk-based capital ratio | 13.7531% | 4,338 |
| Total risk-based capital ratio | 15.0055% | 4,311 |
| Memoranda: | ||
| Average total assets | $113,769,000 | 4,614 |
| Average earning assets | $110,560,670 | 4,428 |
| Average equity | $7,914,330 | 5,641 |
| Average total loans | $50,854,000 | 5,319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 6,723 |
| Cost of funding earning assets | 0.8302% | 5,393 |
| Net interest margin | 3.1541% | 6,210 |
| Noninterest income to average assets | 0.7202% | 2,451 |
| Noninterest expense to average assets | 2.1882% | 6,447 |
| Loan and lease loss provision to assets | 0.0655% | 5,177 |
| Net operating income to assets | 1.0200% | 2,107 |
| Return on assets (ROA) | 1.0200% | 2,159 |
| Pretax return on assets | 1.5300% | 1,359 |
| Return on Equity (ROE) | 14.9779% | 824 |
| Retained earnings to average equity (ytd only) | -10.3226% | 6,881 |
| Net charge-offs to loans | 0.0702% | 4,229 |
| Credit loss provision to net charge-offs | 211.1111% | 1,420 |
| Earnings coverage of net charge-offs (x) | 51.4444% | 564 |
| Efficiency ratio | 57.8324% | 6,289 |
| Assets per employee ($millions) | 8.6911% | 362 |
| Cash dividends to net income (ytd only)* | 168.9189% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 4,188 |
| Loan loss allowance to noncurrent loans | 266.7832% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 6,548 |
| Noncurrent loans to loans | 0.5637% | 5,898 |
| Net loans and leases to total assets | 44.2302% | 6,452 |
| Net loans and leases to deposits | 53.7413% | 6,312 |
| Net loans and leases to core deposits | 56.8043% | 6,351 |
| Total domestic deposits to total assets | 82.3019% | 5,191 |
| Equity capital to assets | 6.8727% | 7,125 |
| Core capital (leverage) ratio | 6.5555% | 7,158 |
| Tier 1 risk-based capital ratio | 13.1322% | 4,723 |
| Total risk-based capital ratio | 14.3845% | 4,702 |
| Memoranda: | ||
| Average total assets | $116,076,000 | 4,586 |
| Average earning assets | $112,742,000 | 4,389 |
| Average equity | $7,905,000 | 5,640 |
| Average total loans | $51,297,000 | 5,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 6,818 |
| Cost of funding earning assets | 1.0210% | 5,583 |
| Net interest margin | 3.2596% | 6,105 |
| Noninterest income to average assets | 0.6520% | 3,137 |
| Noninterest expense to average assets | 2.3255% | 6,282 |
| Loan and lease loss provision to assets | 0.0572% | 6,565 |
| Net operating income to assets | 0.9346% | 2,260 |
| Return on assets (ROA) | 1.0706% | 1,891 |
| Pretax return on assets | 1.6368% | 1,059 |
| Return on Equity (ROE) | 14.9936% | 718 |
| Retained earnings to average equity (ytd only) | 4.0334% | 3,036 |
| Net charge-offs to loans | 0.1793% | 5,247 |
| Credit loss provision to net charge-offs | 77.1084% | 5,661 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,030 |
| Efficiency ratio | 61.0329% | 5,890 |
| Assets per employee ($millions) | 8.5120% | 395 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 4,272 |
| Loan loss allowance to noncurrent loans | 827.4725% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 6,627 |
| Noncurrent loans to loans | 0.1755% | 6,715 |
| Net loans and leases to total assets | 42.8848% | 6,803 |
| Net loans and leases to deposits | 53.9800% | 6,611 |
| Net loans and leases to core deposits | 57.3106% | 6,615 |
| Total domestic deposits to total assets | 79.4458% | 5,985 |
| Equity capital to assets | 6.7510% | 7,191 |
| Core capital (leverage) ratio | 6.7798% | 7,117 |
| Tier 1 risk-based capital ratio | 13.1970% | 4,457 |
| Total risk-based capital ratio | 14.4479% | 4,407 |
| Memoranda: | ||
| Average total assets | $111,803,200 | 4,664 |
| Average earning assets | $108,326,000 | 4,506 |
| Average equity | $7,983,400 | 5,717 |
| Average total loans | $46,298,000 | 5,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 6,778 |
| Cost of funding earning assets | 1.0641% | 5,626 |
| Net interest margin | 3.3601% | 5,802 |
| Noninterest income to average assets | 0.6063% | 3,400 |
| Noninterest expense to average assets | 2.4044% | 6,024 |
| Loan and lease loss provision to assets | 0.0909% | 6,128 |
| Net operating income to assets | 0.8911% | 2,645 |
| Return on assets (ROA) | 1.0755% | 2,093 |
| Pretax return on assets | 1.6454% | 1,224 |
| Return on Equity (ROE) | 14.8424% | 890 |
| Retained earnings to average equity (ytd only) | 8.5674% | 1,216 |
| Net charge-offs to loans | 0.2227% | 4,606 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 15.9729% | 1,412 |
| Efficiency ratio | 62.3389% | 5,557 |
| Assets per employee ($millions) | 6.6646% | 898 |
| Cash dividends to net income (ytd only)* | 42.2774% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 3,337 |
| Loan loss allowance to noncurrent loans | 1,120.2899% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,743 |
| Noncurrent loans to loans | 0.1472% | 6,882 |
| Net loans and leases to total assets | 40.6817% | 7,041 |
| Net loans and leases to deposits | 50.8545% | 6,955 |
| Net loans and leases to core deposits | 54.5087% | 6,932 |
| Total domestic deposits to total assets | 79.9963% | 5,712 |
| Equity capital to assets | 7.2966% | 7,229 |
| Core capital (leverage) ratio | 7.0766% | 7,125 |
| Tier 1 risk-based capital ratio | 14.5128% | 3,502 |
| Total risk-based capital ratio | 15.7658% | 3,473 |
| Memoranda: | ||
| Average total assets | $109,962,000 | 4,768 |
| Average earning assets | $106,381,750 | 4,608 |
| Average equity | $7,968,000 | 5,799 |
| Average total loans | $44,908,000 | 5,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 6,793 |
| Cost of funding earning assets | 1.0854% | 5,756 |
| Net interest margin | 3.3683% | 5,763 |
| Noninterest income to average assets | 0.6100% | 3,260 |
| Noninterest expense to average assets | 2.4603% | 5,874 |
| Loan and lease loss provision to assets | 0.0919% | 6,001 |
| Net operating income to assets | 0.8542% | 2,713 |
| Return on assets (ROA) | 1.1337% | 1,807 |
| Pretax return on assets | 1.7437% | 972 |
| Return on Equity (ROE) | 15.6831% | 741 |
| Retained earnings to average equity (ytd only) | 9.3285% | 1,000 |
| Net charge-offs to loans | 0.1762% | 4,555 |
| Credit loss provision to net charge-offs | 128.2051% | 3,137 |
| Earnings coverage of net charge-offs (x) | 19.6154% | 1,250 |
| Efficiency ratio | 63.6407% | 5,402 |
| Assets per employee ($millions) | 5.8732% | 1,317 |
| Cash dividends to net income (ytd only)* | 40.5186% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,204.6154% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 6,686 |
| Noncurrent loans to loans | 0.1427% | 6,972 |
| Net loans and leases to total assets | 42.3319% | 7,020 |
| Net loans and leases to deposits | 52.3446% | 6,958 |
| Net loans and leases to core deposits | 56.1724% | 6,931 |
| Total domestic deposits to total assets | 80.8716% | 5,443 |
| Equity capital to assets | 7.6951% | 6,996 |
| Core capital (leverage) ratio | 7.2734% | 7,015 |
| Tier 1 risk-based capital ratio | 14.6206% | 3,370 |
| Total risk-based capital ratio | 15.8745% | 3,342 |
| Memoranda: | ||
| Average total assets | $108,849,670 | 4,836 |
| Average earning assets | $105,216,000 | 4,661 |
| Average equity | $7,868,330 | 5,851 |
| Average total loans | $44,255,670 | 5,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 6,769 |
| Cost of funding earning assets | 1.0934% | 5,942 |
| Net interest margin | 3.4186% | 5,506 |
| Noninterest income to average assets | 0.4963% | 4,072 |
| Noninterest expense to average assets | 2.3692% | 6,191 |
| Loan and lease loss provision to assets | 0.0906% | 5,728 |
| Net operating income to assets | 0.8961% | 2,556 |
| Return on assets (ROA) | 0.8839% | 2,686 |
| Pretax return on assets | 1.3259% | 1,979 |
| Return on Equity (ROE) | 12.6180% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,548 |
| Net charge-offs to loans | 0.0275% | 5,183 |
| Credit loss provision to net charge-offs | 833.3333% | 549 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 250 |
| Efficiency ratio | 62.2857% | 5,777 |
| Assets per employee ($millions) | 6.3209% | 1,076 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,600 |
| Loan loss allowance to noncurrent loans | 873.6264% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,676 |
| Noncurrent loans to loans | 0.2109% | 6,915 |
| Net loans and leases to total assets | 39.4156% | 7,283 |
| Net loans and leases to deposits | 48.6598% | 7,201 |
| Net loans and leases to core deposits | 52.2637% | 7,187 |
| Total domestic deposits to total assets | 81.0023% | 5,459 |
| Equity capital to assets | 7.3966% | 7,141 |
| Core capital (leverage) ratio | 6.9169% | 7,297 |
| Tier 1 risk-based capital ratio | 14.1225% | 3,584 |
| Total risk-based capital ratio | 15.3774% | 3,541 |
| Memoranda: | ||
| Average total assets | $110,416,000 | 4,862 |
| Average earning assets | $106,826,000 | 4,677 |
| Average equity | $7,735,000 | 5,934 |
| Average total loans | $43,616,000 | 5,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 7,409 |
| Cost of funding earning assets | 1.4585% | 5,687 |
| Net interest margin | 3.0060% | 6,630 |
| Noninterest income to average assets | 0.7651% | 2,586 |
| Noninterest expense to average assets | 2.5053% | 6,106 |
| Loan and lease loss provision to assets | 0.1457% | 6,194 |
| Net operating income to assets | 0.6995% | 2,937 |
| Return on assets (ROA) | 0.7392% | 2,858 |
| Pretax return on assets | 1.0873% | 2,287 |
| Return on Equity (ROE) | 11.3586% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.8340% | 1,414 |
| Net charge-offs to loans | 0.0202% | 6,942 |
| Credit loss provision to net charge-offs | 1,688.8889% | 190 |
| Earnings coverage of net charge-offs (x) | 136.1111% | 211 |
| Efficiency ratio | 68.0823% | 4,988 |
| Assets per employee ($millions) | 7.5585% | 619 |
| Cash dividends to net income (ytd only)* | 48.6381% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,705 |
| Loan loss allowance to noncurrent loans | 5,514.2857% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 6,899 |
| Noncurrent loans to loans | 0.0318% | 7,350 |
| Net loans and leases to total assets | 38.2009% | 7,441 |
| Net loans and leases to deposits | 47.5553% | 7,371 |
| Net loans and leases to core deposits | 58.1895% | 7,336 |
| Total domestic deposits to total assets | 80.3293% | 5,575 |
| Equity capital to assets | 6.6345% | 7,522 |
| Core capital (leverage) ratio | 6.7333% | 7,396 |
| Tier 1 risk-based capital ratio | 13.1897% | 4,019 |
| Total risk-based capital ratio | 14.4426% | 3,965 |
| Memoranda: | ||
| Average total assets | $104,297,600 | 4,976 |
| Average earning assets | $101,129,600 | 4,805 |
| Average equity | $6,787,800 | 6,336 |
| Average total loans | $44,620,200 | 5,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 7,540 |
| Cost of funding earning assets | 1.5374% | 5,681 |
| Net interest margin | 2.9348% | 6,764 |
| Noninterest income to average assets | 0.7815% | 2,536 |
| Noninterest expense to average assets | 2.5522% | 5,890 |
| Loan and lease loss provision to assets | 0.1712% | 5,652 |
| Net operating income to assets | 0.6245% | 3,519 |
| Return on assets (ROA) | 0.6795% | 3,340 |
| Pretax return on assets | 0.9866% | 2,948 |
| Return on Equity (ROE) | 10.4981% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.9744% | 1,145 |
| Net charge-offs to loans | 0.0060% | 6,879 |
| Credit loss provision to net charge-offs | 6,550.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 411.9738% | 88 |
| Efficiency ratio | 70.3024% | 4,533 |
| Assets per employee ($millions) | 6.3928% | 1,037 |
| Cash dividends to net income (ytd only)* | 24.0380% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 2,399 |
| Loan loss allowance to noncurrent loans | 1,355.3571% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 6,816 |
| Noncurrent loans to loans | 0.1302% | 7,153 |
| Net loans and leases to total assets | 38.8840% | 7,512 |
| Net loans and leases to deposits | 47.8438% | 7,501 |
| Net loans and leases to core deposits | 63.5698% | 7,263 |
| Total domestic deposits to total assets | 81.2729% | 4,969 |
| Equity capital to assets | 7.1211% | 7,538 |
| Core capital (leverage) ratio | 6.7524% | 7,559 |
| Tier 1 risk-based capital ratio | 14.0467% | 3,522 |
| Total risk-based capital ratio | 15.2997% | 3,470 |
| Memoranda: | ||
| Average total assets | $102,027,750 | 5,068 |
| Average earning assets | $99,037,250 | 4,890 |
| Average equity | $6,604,250 | 6,450 |
| Average total loans | $44,754,500 | 5,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 7,610 |
| Cost of funding earning assets | 1.5841% | 5,797 |
| Net interest margin | 2.9349% | 6,722 |
| Noninterest income to average assets | 0.8075% | 2,374 |
| Noninterest expense to average assets | 2.6149% | 5,687 |
| Loan and lease loss provision to assets | 0.1743% | 5,308 |
| Net operating income to assets | 0.5969% | 3,692 |
| Return on assets (ROA) | 0.6813% | 3,455 |
| Pretax return on assets | 0.9879% | 3,057 |
| Return on Equity (ROE) | 10.9219% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.9065% | 1,619 |
| Net charge-offs to loans | 0.0088% | 6,447 |
| Credit loss provision to net charge-offs | 4,350.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 154 |
| Efficiency ratio | 71.5461% | 4,496 |
| Assets per employee ($millions) | 6.2552% | 1,072 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,842 |
| Loan loss allowance to noncurrent loans | 1,034.7826% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,711 |
| Noncurrent loans to loans | 0.1522% | 7,142 |
| Net loans and leases to total assets | 41.9502% | 7,448 |
| Net loans and leases to deposits | 51.9846% | 7,383 |
| Net loans and leases to core deposits | 69.1280% | 7,069 |
| Total domestic deposits to total assets | 80.6974% | 5,195 |
| Equity capital to assets | 6.0101% | 7,928 |
| Core capital (leverage) ratio | 5.9613% | 7,931 |
| Tier 1 risk-based capital ratio | 11.5918% | 5,294 |
| Total risk-based capital ratio | 12.8436% | 5,225 |
| Memoranda: | ||
| Average total assets | $99,811,330 | 5,168 |
| Average earning assets | $96,835,000 | 4,977 |
| Average equity | $6,226,000 | 6,628 |
| Average total loans | $45,333,670 | 5,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 7,652 |
| Cost of funding earning assets | 1.5997% | 6,030 |
| Net interest margin | 2.9648% | 6,575 |
| Noninterest income to average assets | 0.8120% | 2,273 |
| Noninterest expense to average assets | 2.5645% | 5,589 |
| Loan and lease loss provision to assets | 0.1823% | 4,623 |
| Net operating income to assets | 0.6402% | 3,840 |
| Return on assets (ROA) | 0.8120% | 3,235 |
| Pretax return on assets | 1.1973% | 2,636 |
| Return on Equity (ROE) | 12.7615% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.6228% | 3,349 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4725% | 4,682 |
| Assets per employee ($millions) | 6.2638% | 1,061 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 2,718 |
| Loan loss allowance to noncurrent loans | 215.0160% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 6,519 |
| Noncurrent loans to loans | 0.7215% | 5,615 |
| Net loans and leases to total assets | 42.6138% | 7,427 |
| Net loans and leases to deposits | 54.7307% | 7,238 |
| Net loans and leases to core deposits | 72.4515% | 6,890 |
| Total domestic deposits to total assets | 77.8609% | 6,060 |
| Equity capital to assets | 6.2193% | 7,950 |
| Core capital (leverage) ratio | 6.3219% | 7,937 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,341 |
| Total risk-based capital ratio | 12.8288% | 5,233 |
| Memoranda: | ||
| Average total assets | $96,548,000 | 5,288 |
| Average earning assets | $93,768,000 | 5,095 |
| Average equity | $6,143,500 | 6,712 |
| Average total loans | $45,339,000 | 5,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 7,022 |
| Cost of funding earning assets | 2.1316% | 5,924 |
| Net interest margin | 3.4824% | 5,354 |
| Noninterest income to average assets | 0.8554% | 2,197 |
| Noninterest expense to average assets | 2.8409% | 4,642 |
| Loan and lease loss provision to assets | 0.3010% | 3,967 |
| Net operating income to assets | 0.7435% | 3,700 |
| Return on assets (ROA) | 0.7435% | 3,543 |
| Pretax return on assets | 1.0564% | 3,194 |
| Return on Equity (ROE) | 10.4901% | 2,088 |
| Retained earnings to average equity (ytd only) | 2.0980% | 3,930 |
| Net charge-offs to loans | 0.1584% | 4,609 |
| Credit loss provision to net charge-offs | 383.3333% | 1,151 |
| Earnings coverage of net charge-offs (x) | 17.2879% | 1,786 |
| Efficiency ratio | 67.6679% | 4,781 |
| Assets per employee ($millions) | 5.4632% | 1,484 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,579 |
| Loan loss allowance to noncurrent loans | 203.2258% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 6,269 |
| Noncurrent loans to loans | 0.6554% | 5,400 |
| Net loans and leases to total assets | 50.2471% | 7,011 |
| Net loans and leases to deposits | 66.0837% | 6,640 |
| Net loans and leases to core deposits | 83.4606% | 6,347 |
| Total domestic deposits to total assets | 76.0355% | 6,231 |
| Equity capital to assets | 6.5184% | 7,932 |
| Core capital (leverage) ratio | 6.7180% | 7,853 |
| Tier 1 risk-based capital ratio | 11.2145% | 5,525 |
| Total risk-based capital ratio | 12.4353% | 5,438 |
| Memoranda: | ||
| Average total assets | $84,057,600 | 5,561 |
| Average earning assets | $80,690,800 | 5,410 |
| Average equity | $5,958,000 | 6,823 |
| Average total loans | $41,654,600 | 6,091 |