Home > Centrix Bank & Trust > Performance and Condition Ratios
Centrix Bank & Trust, 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 | 4.1974% | 2,999 |
| Cost of funding earning assets | 0.6351% | 1,560 |
| Net interest margin | 3.5623% | 3,585 |
| Noninterest income to average assets | 0.1423% | 6,066 |
| Noninterest expense to average assets | 1.9239% | 5,911 |
| Loan and lease loss provision to assets | 0.1367% | 1,827 |
| Net operating income to assets | 0.8780% | 3,033 |
| Return on assets (ROA) | 0.8787% | 3,122 |
| Pretax return on assets | 1.4660% | 1,750 |
| Return on Equity (ROE) | 9.3408% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.0680% | 971 |
| Net charge-offs to loans | 0.0889% | 2,938 |
| Credit loss provision to net charge-offs | 203.1250% | 1,250 |
| Earnings coverage of net charge-offs (x) | 23.7981% | 1,569 |
| Efficiency ratio | 54.5715% | 5,772 |
| Assets per employee ($millions) | 8.7801% | 371 |
| Cash dividends to net income (ytd only)* | 2.9200% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 4,731 |
| Loan loss allowance to noncurrent loans | 129.0338% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 3,899 |
| Noncurrent loans to loans | 0.8551% | 3,428 |
| Net loans and leases to total assets | 74.7345% | 1,406 |
| Net loans and leases to deposits | 99.1042% | 663 |
| Net loans and leases to core deposits | 135.1521% | 181 |
| Total domestic deposits to total assets | 75.4100% | 5,882 |
| Equity capital to assets | 9.6123% | 4,656 |
| Core capital (leverage) ratio | 9.6292% | 4,192 |
| Tier 1 risk-based capital ratio | 11.4543% | 5,811 |
| Total risk-based capital ratio | 13.1942% | 5,440 |
| Memoranda: | ||
| Average total assets | $950,948,250 | 706 |
| Average earning assets | $903,132,000 | 676 |
| Average equity | $89,454,750 | 820 |
| Average total loans | $719,896,000 | 602 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 2,997 |
| Cost of funding earning assets | 0.6296% | 1,648 |
| Net interest margin | 3.5581% | 3,539 |
| Noninterest income to average assets | 0.1397% | 6,125 |
| Noninterest expense to average assets | 1.8949% | 6,003 |
| Loan and lease loss provision to assets | 0.2207% | 1,052 |
| Net operating income to assets | 0.8485% | 3,080 |
| Return on assets (ROA) | 0.8486% | 3,183 |
| Pretax return on assets | 1.3949% | 1,904 |
| Return on Equity (ROE) | 9.0889% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.8104% | 1,044 |
| Net charge-offs to loans | 0.0801% | 2,888 |
| Credit loss provision to net charge-offs | 363.7631% | 745 |
| Earnings coverage of net charge-offs (x) | 26.6237% | 1,363 |
| Efficiency ratio | 53.9810% | 5,912 |
| Assets per employee ($millions) | 8.3001% | 441 |
| Cash dividends to net income (ytd only)* | 3.0643% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 4,833 |
| Loan loss allowance to noncurrent loans | 132.6156% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 4,058 |
| Noncurrent loans to loans | 0.8419% | 3,605 |
| Net loans and leases to total assets | 75.1905% | 1,279 |
| Net loans and leases to deposits | 91.8050% | 1,172 |
| Net loans and leases to core deposits | 137.7955% | 150 |
| Total domestic deposits to total assets | 81.9024% | 4,676 |
| Equity capital to assets | 9.3253% | 4,955 |
| Core capital (leverage) ratio | 9.4292% | 4,430 |
| Tier 1 risk-based capital ratio | 11.0357% | 6,037 |
| Total risk-based capital ratio | 12.7849% | 5,731 |
| Memoranda: | ||
| Average total assets | $945,995,000 | 709 |
| Average earning assets | $896,147,670 | 680 |
| Average equity | $88,327,670 | 828 |
| Average total loans | $716,579,670 | 604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 3,074 |
| Cost of funding earning assets | 0.6179% | 1,833 |
| Net interest margin | 3.5318% | 3,559 |
| Noninterest income to average assets | 0.1420% | 6,125 |
| Noninterest expense to average assets | 1.9038% | 6,058 |
| Loan and lease loss provision to assets | 0.1567% | 1,550 |
| Net operating income to assets | 0.8889% | 2,708 |
| Return on assets (ROA) | 0.8889% | 2,773 |
| Pretax return on assets | 1.4372% | 1,614 |
| Return on Equity (ROE) | 9.5134% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.2324% | 1,183 |
| Net charge-offs to loans | 0.1674% | 1,715 |
| Credit loss provision to net charge-offs | 123.8095% | 1,428 |
| Earnings coverage of net charge-offs (x) | 12.5952% | 1,710 |
| Efficiency ratio | 54.4302% | 5,978 |
| Assets per employee ($millions) | 7.3712% | 674 |
| Cash dividends to net income (ytd only)* | 2.9540% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 5,257 |
| Loan loss allowance to noncurrent loans | 99.6864% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 3,728 |
| Noncurrent loans to loans | 1.0706% | 3,281 |
| Net loans and leases to total assets | 74.3622% | 1,218 |
| Net loans and leases to deposits | 91.0250% | 1,037 |
| Net loans and leases to core deposits | 142.4379% | 119 |
| Total domestic deposits to total assets | 81.6942% | 5,030 |
| Equity capital to assets | 9.2712% | 4,787 |
| Core capital (leverage) ratio | 9.5369% | 4,229 |
| Tier 1 risk-based capital ratio | 11.2580% | 6,037 |
| Total risk-based capital ratio | 12.9935% | 5,728 |
| Memoranda: | ||
| Average total assets | $929,287,500 | 730 |
| Average earning assets | $882,945,500 | 694 |
| Average equity | $86,825,000 | 844 |
| Average total loans | $702,500,500 | 617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,546 |
| Cost of funding earning assets | 0.5631% | 2,992 |
| Net interest margin | 3.5851% | 3,523 |
| Noninterest income to average assets | 0.1562% | 6,154 |
| Noninterest expense to average assets | 2.0311% | 5,970 |
| Loan and lease loss provision to assets | 0.2108% | 1,747 |
| Net operating income to assets | 0.8730% | 2,913 |
| Return on assets (ROA) | 0.8730% | 3,000 |
| Pretax return on assets | 1.3187% | 2,077 |
| Return on Equity (ROE) | 9.2667% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.9678% | 774 |
| Net charge-offs to loans | 0.1534% | 3,271 |
| Credit loss provision to net charge-offs | 185.8291% | 1,228 |
| Earnings coverage of net charge-offs (x) | 13.4844% | 2,020 |
| Efficiency ratio | 57.0436% | 5,848 |
| Assets per employee ($millions) | 7.0363% | 747 |
| Cash dividends to net income (ytd only)* | 3.2254% | 4,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,178 |
| Loan loss allowance to noncurrent loans | 110.5941% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 3,986 |
| Noncurrent loans to loans | 0.9900% | 3,538 |
| Net loans and leases to total assets | 75.2147% | 1,196 |
| Net loans and leases to deposits | 93.0577% | 953 |
| Net loans and leases to core deposits | 134.6431% | 158 |
| Total domestic deposits to total assets | 80.8259% | 5,227 |
| Equity capital to assets | 9.4186% | 4,529 |
| Core capital (leverage) ratio | 9.5696% | 4,155 |
| Tier 1 risk-based capital ratio | 11.4020% | 5,963 |
| Total risk-based capital ratio | 13.1972% | 5,590 |
| Memoranda: | ||
| Average total assets | $877,224,600 | 752 |
| Average earning assets | $833,000,000 | 717 |
| Average equity | $82,640,200 | 863 |
| Average total loans | $648,450,600 | 649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,653 |
| Cost of funding earning assets | 0.5567% | 3,197 |
| Net interest margin | 3.5707% | 3,575 |
| Noninterest income to average assets | 0.1542% | 6,263 |
| Noninterest expense to average assets | 2.0655% | 5,897 |
| Loan and lease loss provision to assets | 0.2266% | 1,598 |
| Net operating income to assets | 0.8509% | 3,092 |
| Return on assets (ROA) | 0.8509% | 3,205 |
| Pretax return on assets | 1.2497% | 2,513 |
| Return on Equity (ROE) | 9.0322% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.7327% | 1,146 |
| Net charge-offs to loans | 0.0506% | 4,187 |
| Credit loss provision to net charge-offs | 610.7438% | 462 |
| Earnings coverage of net charge-offs (x) | 39.7891% | 1,004 |
| Efficiency ratio | 58.3178% | 5,648 |
| Assets per employee ($millions) | 7.0476% | 731 |
| Cash dividends to net income (ytd only)* | 3.3154% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 4,895 |
| Loan loss allowance to noncurrent loans | 98.6948% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 3,900 |
| Noncurrent loans to loans | 1.2087% | 3,400 |
| Net loans and leases to total assets | 72.3373% | 1,553 |
| Net loans and leases to deposits | 89.7527% | 1,195 |
| Net loans and leases to core deposits | 130.1641% | 190 |
| Total domestic deposits to total assets | 80.5962% | 5,337 |
| Equity capital to assets | 9.0794% | 5,086 |
| Core capital (leverage) ratio | 9.4096% | 4,521 |
| Tier 1 risk-based capital ratio | 11.4810% | 6,068 |
| Total risk-based capital ratio | 13.3903% | 5,626 |
| Memoranda: | ||
| Average total assets | $869,609,750 | 763 |
| Average earning assets | $825,032,500 | 729 |
| Average equity | $81,927,500 | 872 |
| Average total loans | $637,995,750 | 663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 3,671 |
| Cost of funding earning assets | 0.5591% | 3,325 |
| Net interest margin | 3.5565% | 3,532 |
| Noninterest income to average assets | 0.1537% | 6,281 |
| Noninterest expense to average assets | 1.9385% | 6,152 |
| Loan and lease loss provision to assets | 0.1474% | 2,489 |
| Net operating income to assets | 0.8998% | 2,799 |
| Return on assets (ROA) | 0.8998% | 2,940 |
| Pretax return on assets | 1.4458% | 1,778 |
| Return on Equity (ROE) | 9.4295% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.1285% | 1,075 |
| Net charge-offs to loans | 0.0789% | 3,587 |
| Credit loss provision to net charge-offs | 254.4355% | 983 |
| Earnings coverage of net charge-offs (x) | 27.5081% | 1,215 |
| Efficiency ratio | 54.8899% | 6,068 |
| Assets per employee ($millions) | 7.1034% | 691 |
| Cash dividends to net income (ytd only)* | 3.1923% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,456 |
| Loan loss allowance to noncurrent loans | 107.4439% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 4,333 |
| Noncurrent loans to loans | 1.0211% | 3,895 |
| Net loans and leases to total assets | 71.3803% | 1,664 |
| Net loans and leases to deposits | 88.2193% | 1,316 |
| Net loans and leases to core deposits | 131.1093% | 178 |
| Total domestic deposits to total assets | 80.9124% | 5,365 |
| Equity capital to assets | 9.2817% | 4,884 |
| Core capital (leverage) ratio | 9.5706% | 4,122 |
| Tier 1 risk-based capital ratio | 11.6584% | 6,027 |
| Total risk-based capital ratio | 13.5253% | 5,585 |
| Memoranda: | ||
| Average total assets | $856,434,000 | 774 |
| Average earning assets | $813,435,670 | 742 |
| Average equity | $81,722,000 | 881 |
| Average total loans | $628,799,330 | 667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 3,387 |
| Cost of funding earning assets | 0.5682% | 3,394 |
| Net interest margin | 3.6114% | 3,212 |
| Noninterest income to average assets | 0.1572% | 6,322 |
| Noninterest expense to average assets | 2.0240% | 6,054 |
| Loan and lease loss provision to assets | 0.2165% | 1,713 |
| Net operating income to assets | 0.8419% | 2,940 |
| Return on assets (ROA) | 0.8419% | 3,082 |
| Pretax return on assets | 1.3455% | 2,056 |
| Return on Equity (ROE) | 8.6963% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.3952% | 1,607 |
| Net charge-offs to loans | -0.0006% | 5,145 |
| Credit loss provision to net charge-offs | -45,300.0000% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4424% | 6,018 |
| Assets per employee ($millions) | 6.6998% | 897 |
| Cash dividends to net income (ytd only)* | 3.4620% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,446 |
| Loan loss allowance to noncurrent loans | 144.6061% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 4,888 |
| Noncurrent loans to loans | 0.7880% | 4,546 |
| Net loans and leases to total assets | 72.9813% | 1,205 |
| Net loans and leases to deposits | 90.1434% | 956 |
| Net loans and leases to core deposits | 131.2287% | 170 |
| Total domestic deposits to total assets | 80.9613% | 5,510 |
| Equity capital to assets | 9.5956% | 4,712 |
| Core capital (leverage) ratio | 9.6205% | 3,884 |
| Tier 1 risk-based capital ratio | 11.6764% | 6,098 |
| Total risk-based capital ratio | 13.6095% | 5,626 |
| Memoranda: | ||
| Average total assets | $837,135,500 | 801 |
| Average earning assets | $794,814,000 | 771 |
| Average equity | $81,046,000 | 906 |
| Average total loans | $620,217,500 | 676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 3,951 |
| Cost of funding earning assets | 0.7069% | 3,442 |
| Net interest margin | 3.6615% | 3,822 |
| Noninterest income to average assets | 0.1367% | 6,357 |
| Noninterest expense to average assets | 2.0528% | 6,231 |
| Loan and lease loss provision to assets | 0.4042% | 1,604 |
| Net operating income to assets | 0.7535% | 3,496 |
| Return on assets (ROA) | 0.8629% | 3,229 |
| Pretax return on assets | 1.3571% | 2,185 |
| Return on Equity (ROE) | 8.8781% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.5612% | 946 |
| Net charge-offs to loans | 0.4646% | 2,379 |
| Credit loss provision to net charge-offs | 121.1379% | 2,360 |
| Earnings coverage of net charge-offs (x) | 4.7664% | 3,261 |
| Efficiency ratio | 56.3462% | 6,025 |
| Assets per employee ($millions) | 6.5349% | 987 |
| Cash dividends to net income (ytd only)* | 3.5693% | 4,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,572 |
| Loan loss allowance to noncurrent loans | 129.7214% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 4,858 |
| Noncurrent loans to loans | 0.8440% | 4,500 |
| Net loans and leases to total assets | 73.5483% | 1,255 |
| Net loans and leases to deposits | 95.5680% | 650 |
| Net loans and leases to core deposits | 130.6857% | 183 |
| Total domestic deposits to total assets | 76.9591% | 6,233 |
| Equity capital to assets | 9.7700% | 4,498 |
| Core capital (leverage) ratio | 9.5707% | 4,008 |
| Tier 1 risk-based capital ratio | 11.8443% | 5,879 |
| Total risk-based capital ratio | 13.7818% | 5,405 |
| Memoranda: | ||
| Average total assets | $795,418,200 | 833 |
| Average earning assets | $761,742,200 | 786 |
| Average equity | $77,313,600 | 912 |
| Average total loans | $571,244,000 | 725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 4,078 |
| Cost of funding earning assets | 0.6981% | 3,783 |
| Net interest margin | 3.6958% | 3,813 |
| Noninterest income to average assets | 0.1189% | 6,546 |
| Noninterest expense to average assets | 2.1161% | 6,133 |
| Loan and lease loss provision to assets | 0.1786% | 3,353 |
| Net operating income to assets | 0.8494% | 3,218 |
| Return on assets (ROA) | 0.9966% | 2,749 |
| Pretax return on assets | 1.6042% | 1,564 |
| Return on Equity (ROE) | 10.2667% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.9461% | 930 |
| Net charge-offs to loans | 0.1112% | 4,278 |
| Credit loss provision to net charge-offs | 225.6410% | 1,225 |
| Earnings coverage of net charge-offs (x) | 19.6198% | 1,485 |
| Efficiency ratio | 57.6769% | 5,834 |
| Assets per employee ($millions) | 6.5606% | 923 |
| Cash dividends to net income (ytd only)* | 3.1224% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,502 |
| Loan loss allowance to noncurrent loans | 107.4896% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 4,400 |
| Noncurrent loans to loans | 1.0724% | 4,297 |
| Net loans and leases to total assets | 70.3801% | 1,835 |
| Net loans and leases to deposits | 87.2559% | 1,446 |
| Net loans and leases to core deposits | 121.6659% | 284 |
| Total domestic deposits to total assets | 80.6595% | 5,467 |
| Equity capital to assets | 9.7333% | 4,882 |
| Core capital (leverage) ratio | 9.6570% | 4,038 |
| Tier 1 risk-based capital ratio | 12.1253% | 5,867 |
| Total risk-based capital ratio | 14.1423% | 5,298 |
| Memoranda: | ||
| Average total assets | $788,423,250 | 845 |
| Average earning assets | $757,316,000 | 792 |
| Average equity | $76,530,500 | 921 |
| Average total loans | $560,980,250 | 741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 4,126 |
| Cost of funding earning assets | 0.7145% | 3,902 |
| Net interest margin | 3.6990% | 3,825 |
| Noninterest income to average assets | 0.1098% | 6,630 |
| Noninterest expense to average assets | 2.1446% | 6,141 |
| Loan and lease loss provision to assets | 0.1887% | 3,211 |
| Net operating income to assets | 0.8283% | 3,255 |
| Return on assets (ROA) | 1.0521% | 2,469 |
| Pretax return on assets | 1.6892% | 1,289 |
| Return on Equity (ROE) | 10.8492% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.5231% | 845 |
| Net charge-offs to loans | 0.0770% | 4,381 |
| Credit loss provision to net charge-offs | 344.6009% | 855 |
| Earnings coverage of net charge-offs (x) | 27.9061% | 1,119 |
| Efficiency ratio | 58.3899% | 5,816 |
| Assets per employee ($millions) | 6.4016% | 1,009 |
| Cash dividends to net income (ytd only)* | 3.0059% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,455 |
| Loan loss allowance to noncurrent loans | 133.6006% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 5,215 |
| Noncurrent loans to loans | 0.8803% | 4,731 |
| Net loans and leases to total assets | 69.9753% | 1,924 |
| Net loans and leases to deposits | 85.9637% | 1,606 |
| Net loans and leases to core deposits | 120.3120% | 308 |
| Total domestic deposits to total assets | 81.4010% | 5,332 |
| Equity capital to assets | 9.6509% | 4,833 |
| Core capital (leverage) ratio | 9.8219% | 3,682 |
| Tier 1 risk-based capital ratio | 12.3653% | 5,671 |
| Total risk-based capital ratio | 14.4607% | 5,005 |
| Memoranda: | ||
| Average total assets | $777,874,000 | 859 |
| Average earning assets | $749,283,330 | 801 |
| Average equity | $75,434,000 | 930 |
| Average total loans | $553,341,000 | 758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 3,998 |
| Cost of funding earning assets | 0.7428% | 3,918 |
| Net interest margin | 3.7388% | 3,640 |
| Noninterest income to average assets | 0.0996% | 6,750 |
| Noninterest expense to average assets | 2.1813% | 6,091 |
| Loan and lease loss provision to assets | 0.1664% | 3,310 |
| Net operating income to assets | 0.8462% | 3,183 |
| Return on assets (ROA) | 0.8462% | 3,422 |
| Pretax return on assets | 1.3627% | 2,319 |
| Return on Equity (ROE) | 8.7043% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.3769% | 1,828 |
| Net charge-offs to loans | 0.0893% | 3,623 |
| Credit loss provision to net charge-offs | 261.4754% | 1,108 |
| Earnings coverage of net charge-offs (x) | 24.0246% | 1,070 |
| Efficiency ratio | 58.7880% | 5,806 |
| Assets per employee ($millions) | 6.3079% | 1,092 |
| Cash dividends to net income (ytd only)* | 3.7608% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,689 |
| Loan loss allowance to noncurrent loans | 130.1314% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,319 |
| Noncurrent loans to loans | 0.8887% | 4,888 |
| Net loans and leases to total assets | 69.8409% | 1,777 |
| Net loans and leases to deposits | 85.2348% | 1,507 |
| Net loans and leases to core deposits | 112.6847% | 451 |
| Total domestic deposits to total assets | 81.9394% | 5,318 |
| Equity capital to assets | 9.7051% | 4,511 |
| Core capital (leverage) ratio | 9.6301% | 3,873 |
| Tier 1 risk-based capital ratio | 12.3908% | 5,691 |
| Total risk-based capital ratio | 14.5066% | 5,003 |
| Memoranda: | ||
| Average total assets | $766,714,000 | 871 |
| Average earning assets | $740,444,500 | 814 |
| Average equity | $74,538,000 | 929 |
| Average total loans | $546,710,500 | 764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 3,864 |
| Cost of funding earning assets | 0.9562% | 3,681 |
| Net interest margin | 3.8333% | 3,656 |
| Noninterest income to average assets | 0.0887% | 6,685 |
| Noninterest expense to average assets | 2.1677% | 6,333 |
| Loan and lease loss provision to assets | 0.2068% | 4,115 |
| Net operating income to assets | 0.8485% | 2,830 |
| Return on assets (ROA) | 0.8485% | 2,980 |
| Pretax return on assets | 1.3749% | 1,862 |
| Return on Equity (ROE) | 10.2240% | 1,981 |
| Retained earnings to average equity (ytd only) | 9.4782% | 677 |
| Net charge-offs to loans | 0.2297% | 4,344 |
| Credit loss provision to net charge-offs | 128.6701% | 2,395 |
| Earnings coverage of net charge-offs (x) | 9.8420% | 1,924 |
| Efficiency ratio | 57.8154% | 6,073 |
| Assets per employee ($millions) | 6.2095% | 1,098 |
| Cash dividends to net income (ytd only)* | 7.2947% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,710 |
| Loan loss allowance to noncurrent loans | 228.9601% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 6,092 |
| Noncurrent loans to loans | 0.4921% | 5,726 |
| Net loans and leases to total assets | 71.1580% | 1,795 |
| Net loans and leases to deposits | 88.8363% | 1,287 |
| Net loans and leases to core deposits | 119.7211% | 362 |
| Total domestic deposits to total assets | 80.1002% | 5,716 |
| Equity capital to assets | 9.7388% | 4,530 |
| Core capital (leverage) ratio | 9.4332% | 4,138 |
| Tier 1 risk-based capital ratio | 12.1476% | 5,730 |
| Total risk-based capital ratio | 14.2424% | 5,052 |
| Memoranda: | ||
| Average total assets | $720,578,000 | 910 |
| Average earning assets | $688,134,800 | 875 |
| Average equity | $59,800,400 | 1,128 |
| Average total loans | $504,030,000 | 827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 3,844 |
| Cost of funding earning assets | 0.9957% | 3,708 |
| Net interest margin | 3.8422% | 3,656 |
| Noninterest income to average assets | 0.0830% | 6,828 |
| Noninterest expense to average assets | 2.2013% | 6,275 |
| Loan and lease loss provision to assets | 0.1842% | 4,194 |
| Net operating income to assets | 0.8298% | 3,023 |
| Return on assets (ROA) | 0.8298% | 3,185 |
| Pretax return on assets | 1.3572% | 2,095 |
| Return on Equity (ROE) | 10.4829% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.8033% | 903 |
| Net charge-offs to loans | 0.2379% | 3,934 |
| Credit loss provision to net charge-offs | 111.5778% | 2,940 |
| Earnings coverage of net charge-offs (x) | 9.3348% | 2,060 |
| Efficiency ratio | 58.8141% | 5,893 |
| Assets per employee ($millions) | 6.3240% | 1,025 |
| Cash dividends to net income (ytd only)* | 6.4830% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,712 |
| Loan loss allowance to noncurrent loans | 183.5765% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 6,017 |
| Noncurrent loans to loans | 0.6231% | 5,642 |
| Net loans and leases to total assets | 67.3350% | 2,605 |
| Net loans and leases to deposits | 84.7122% | 1,887 |
| Net loans and leases to core deposits | 110.1103% | 668 |
| Total domestic deposits to total assets | 79.4868% | 5,872 |
| Equity capital to assets | 9.5361% | 5,025 |
| Core capital (leverage) ratio | 9.3648% | 4,358 |
| Tier 1 risk-based capital ratio | 12.4772% | 5,506 |
| Total risk-based capital ratio | 14.6372% | 4,786 |
| Memoranda: | ||
| Average total assets | $711,333,500 | 926 |
| Average earning assets | $677,554,500 | 884 |
| Average equity | $56,306,250 | 1,204 |
| Average total loans | $493,736,250 | 856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 3,719 |
| Cost of funding earning assets | 1.0246% | 3,785 |
| Net interest margin | 3.8534% | 3,518 |
| Noninterest income to average assets | 0.1001% | 6,822 |
| Noninterest expense to average assets | 2.2675% | 6,207 |
| Loan and lease loss provision to assets | 0.1748% | 4,173 |
| Net operating income to assets | 0.8250% | 2,962 |
| Return on assets (ROA) | 0.8250% | 3,074 |
| Pretax return on assets | 1.3490% | 1,965 |
| Return on Equity (ROE) | 11.2614% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.4607% | 751 |
| Net charge-offs to loans | 0.1037% | 4,648 |
| Credit loss provision to net charge-offs | 241.2698% | 1,254 |
| Earnings coverage of net charge-offs (x) | 21.0278% | 1,167 |
| Efficiency ratio | 59.8073% | 5,902 |
| Assets per employee ($millions) | 5.8626% | 1,258 |
| Cash dividends to net income (ytd only)* | 7.1105% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,245 |
| Loan loss allowance to noncurrent loans | 157.0410% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 5,457 |
| Noncurrent loans to loans | 0.8039% | 5,310 |
| Net loans and leases to total assets | 67.9948% | 2,616 |
| Net loans and leases to deposits | 82.9414% | 2,288 |
| Net loans and leases to core deposits | 109.7120% | 732 |
| Total domestic deposits to total assets | 81.9794% | 5,176 |
| Equity capital to assets | 7.5055% | 6,942 |
| Core capital (leverage) ratio | 7.2773% | 6,879 |
| Tier 1 risk-based capital ratio | 9.6540% | 7,075 |
| Total risk-based capital ratio | 11.9709% | 6,686 |
| Memoranda: | ||
| Average total assets | $695,485,670 | 953 |
| Average earning assets | $666,219,330 | 908 |
| Average equity | $50,952,670 | 1,321 |
| Average total loans | $486,014,000 | 887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 4,097 |
| Cost of funding earning assets | 1.0438% | 3,898 |
| Net interest margin | 3.7472% | 3,854 |
| Noninterest income to average assets | 0.0947% | 6,944 |
| Noninterest expense to average assets | 2.3313% | 6,104 |
| Loan and lease loss provision to assets | 0.1638% | 3,993 |
| Net operating income to assets | 0.7343% | 3,353 |
| Return on assets (ROA) | 0.7343% | 3,418 |
| Pretax return on assets | 1.2014% | 2,361 |
| Return on Equity (ROE) | 10.1510% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.3318% | 1,283 |
| Net charge-offs to loans | 0.2129% | 3,243 |
| Credit loss provision to net charge-offs | 109.3023% | 2,443 |
| Earnings coverage of net charge-offs (x) | 9.1085% | 1,763 |
| Efficiency ratio | 63.0677% | 5,511 |
| Assets per employee ($millions) | 5.9256% | 1,246 |
| Cash dividends to net income (ytd only)* | 8.0696% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,643 |
| Loan loss allowance to noncurrent loans | 134.4780% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 5,306 |
| Noncurrent loans to loans | 0.8910% | 5,265 |
| Net loans and leases to total assets | 69.3959% | 2,243 |
| Net loans and leases to deposits | 87.1228% | 1,578 |
| Net loans and leases to core deposits | 113.6752% | 610 |
| Total domestic deposits to total assets | 79.6530% | 6,026 |
| Equity capital to assets | 7.2914% | 6,975 |
| Core capital (leverage) ratio | 7.1546% | 6,939 |
| Tier 1 risk-based capital ratio | 9.5388% | 7,138 |
| Total risk-based capital ratio | 11.8364% | 6,744 |
| Memoranda: | ||
| Average total assets | $688,540,500 | 968 |
| Average earning assets | $661,829,500 | 917 |
| Average equity | $49,808,000 | 1,339 |
| Average total loans | $484,768,000 | 903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 4,190 |
| Cost of funding earning assets | 1.2509% | 4,212 |
| Net interest margin | 3.8278% | 3,832 |
| Noninterest income to average assets | 0.1071% | 6,856 |
| Noninterest expense to average assets | 2.2356% | 6,529 |
| Loan and lease loss provision to assets | 0.2586% | 4,722 |
| Net operating income to assets | 0.7878% | 2,855 |
| Return on assets (ROA) | 0.9259% | 2,417 |
| Pretax return on assets | 1.5059% | 1,360 |
| Return on Equity (ROE) | 12.4828% | 1,225 |
| Retained earnings to average equity (ytd only) | 11.6191% | 311 |
| Net charge-offs to loans | 0.2243% | 4,944 |
| Credit loss provision to net charge-offs | 161.8627% | 2,149 |
| Earnings coverage of net charge-offs (x) | 9.6941% | 1,796 |
| Efficiency ratio | 59.0745% | 6,187 |
| Assets per employee ($millions) | 5.9460% | 1,246 |
| Cash dividends to net income (ytd only)* | 6.9193% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,494 |
| Loan loss allowance to noncurrent loans | 108.0915% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 5,322 |
| Noncurrent loans to loans | 1.1140% | 4,877 |
| Net loans and leases to total assets | 69.7253% | 2,590 |
| Net loans and leases to deposits | 85.9014% | 2,120 |
| Net loans and leases to core deposits | 111.1240% | 862 |
| Total domestic deposits to total assets | 81.1689% | 5,469 |
| Equity capital to assets | 7.1755% | 7,048 |
| Core capital (leverage) ratio | 6.9696% | 7,040 |
| Tier 1 risk-based capital ratio | 9.5753% | 7,117 |
| Total risk-based capital ratio | 11.9348% | 6,552 |
| Memoranda: | ||
| Average total assets | $638,438,800 | 1,048 |
| Average earning assets | $613,327,200 | 987 |
| Average equity | $47,353,200 | 1,412 |
| Average total loans | $454,815,800 | 991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 4,162 |
| Cost of funding earning assets | 1.2810% | 4,362 |
| Net interest margin | 3.8512% | 3,744 |
| Noninterest income to average assets | 0.1080% | 7,009 |
| Noninterest expense to average assets | 2.2537% | 6,454 |
| Loan and lease loss provision to assets | 0.1926% | 5,115 |
| Net operating income to assets | 0.8400% | 2,845 |
| Return on assets (ROA) | 1.0273% | 2,252 |
| Pretax return on assets | 1.6554% | 1,206 |
| Return on Equity (ROE) | 13.7293% | 1,088 |
| Retained earnings to average equity (ytd only) | 12.8599% | 361 |
| Net charge-offs to loans | 0.1759% | 4,904 |
| Credit loss provision to net charge-offs | 153.2995% | 2,518 |
| Earnings coverage of net charge-offs (x) | 12.3773% | 1,691 |
| Efficiency ratio | 59.1683% | 6,087 |
| Assets per employee ($millions) | 5.9474% | 1,281 |
| Cash dividends to net income (ytd only)* | 6.3328% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,686 |
| Loan loss allowance to noncurrent loans | 82.3962% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 5,046 |
| Noncurrent loans to loans | 1.4029% | 4,513 |
| Net loans and leases to total assets | 71.1765% | 2,444 |
| Net loans and leases to deposits | 88.5185% | 1,939 |
| Net loans and leases to core deposits | 116.8541% | 723 |
| Total domestic deposits to total assets | 80.4086% | 5,577 |
| Equity capital to assets | 7.5021% | 7,129 |
| Core capital (leverage) ratio | 7.3345% | 6,985 |
| Tier 1 risk-based capital ratio | 9.5797% | 7,233 |
| Total risk-based capital ratio | 11.9253% | 6,642 |
| Memoranda: | ||
| Average total assets | $627,102,250 | 1,075 |
| Average earning assets | $602,634,500 | 1,012 |
| Average equity | $46,925,250 | 1,437 |
| Average total loans | $447,874,250 | 1,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 4,063 |
| Cost of funding earning assets | 1.3201% | 4,411 |
| Net interest margin | 3.8559% | 3,650 |
| Noninterest income to average assets | 0.1088% | 7,058 |
| Noninterest expense to average assets | 2.2715% | 6,431 |
| Loan and lease loss provision to assets | 0.1600% | 5,288 |
| Net operating income to assets | 0.8517% | 2,723 |
| Return on assets (ROA) | 1.1378% | 1,796 |
| Pretax return on assets | 1.8290% | 841 |
| Return on Equity (ROE) | 15.2198% | 815 |
| Retained earnings to average equity (ytd only) | 14.3340% | 292 |
| Net charge-offs to loans | 0.0406% | 5,805 |
| Credit loss provision to net charge-offs | 553.9326% | 666 |
| Earnings coverage of net charge-offs (x) | 53.3708% | 559 |
| Efficiency ratio | 59.5641% | 6,130 |
| Assets per employee ($millions) | 5.7799% | 1,389 |
| Cash dividends to net income (ytd only)* | 5.8203% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,307 |
| Loan loss allowance to noncurrent loans | 76.9888% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 4,889 |
| Noncurrent loans to loans | 1.5942% | 4,317 |
| Net loans and leases to total assets | 69.4203% | 3,036 |
| Net loans and leases to deposits | 82.5963% | 3,164 |
| Net loans and leases to core deposits | 107.9517% | 1,298 |
| Total domestic deposits to total assets | 84.0477% | 4,086 |
| Equity capital to assets | 7.3957% | 7,170 |
| Core capital (leverage) ratio | 7.3767% | 6,937 |
| Tier 1 risk-based capital ratio | 9.5194% | 7,252 |
| Total risk-based capital ratio | 11.9322% | 6,535 |
| Memoranda: | ||
| Average total assets | $616,081,000 | 1,090 |
| Average earning assets | $591,923,000 | 1,033 |
| Average equity | $46,058,330 | 1,462 |
| Average total loans | $438,706,330 | 1,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 3,803 |
| Cost of funding earning assets | 1.3980% | 4,191 |
| Net interest margin | 3.8477% | 3,585 |
| Noninterest income to average assets | 0.0973% | 7,219 |
| Noninterest expense to average assets | 2.2930% | 6,398 |
| Loan and lease loss provision to assets | 0.2178% | 4,324 |
| Net operating income to assets | 0.7646% | 3,137 |
| Return on assets (ROA) | 1.3517% | 1,251 |
| Pretax return on assets | 2.2037% | 417 |
| Return on Equity (ROE) | 17.9758% | 518 |
| Retained earnings to average equity (ytd only) | 17.0722% | 281 |
| Net charge-offs to loans | 0.0641% | 4,767 |
| Credit loss provision to net charge-offs | 473.9130% | 891 |
| Earnings coverage of net charge-offs (x) | 32.7246% | 820 |
| Efficiency ratio | 60.3860% | 6,100 |
| Assets per employee ($millions) | 5.6448% | 1,545 |
| Cash dividends to net income (ytd only)* | 5.0271% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,185 |
| Loan loss allowance to noncurrent loans | 140.9539% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 5,933 |
| Noncurrent loans to loans | 0.8900% | 5,541 |
| Net loans and leases to total assets | 70.2143% | 2,882 |
| Net loans and leases to deposits | 83.8518% | 2,962 |
| Net loans and leases to core deposits | 108.4823% | 1,381 |
| Total domestic deposits to total assets | 83.7362% | 4,275 |
| Equity capital to assets | 7.5251% | 7,054 |
| Core capital (leverage) ratio | 7.2999% | 7,031 |
| Tier 1 risk-based capital ratio | 9.5830% | 7,260 |
| Total risk-based capital ratio | 12.0571% | 6,319 |
| Memoranda: | ||
| Average total assets | $600,447,500 | 1,151 |
| Average earning assets | $577,382,500 | 1,088 |
| Average equity | $45,149,500 | 1,491 |
| Average total loans | $430,572,000 | 1,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4609% | 4,383 |
| Cost of funding earning assets | 1.7469% | 4,263 |
| Net interest margin | 3.7140% | 4,075 |
| Noninterest income to average assets | 0.1088% | 7,222 |
| Noninterest expense to average assets | 2.2832% | 6,793 |
| Loan and lease loss provision to assets | 0.4048% | 4,388 |
| Net operating income to assets | 0.6216% | 3,248 |
| Return on assets (ROA) | 0.6216% | 3,314 |
| Pretax return on assets | 0.9903% | 2,622 |
| Return on Equity (ROE) | 8.3473% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.5704% | 812 |
| Net charge-offs to loans | 0.1859% | 5,497 |
| Credit loss provision to net charge-offs | 300.5420% | 1,102 |
| Earnings coverage of net charge-offs (x) | 10.3577% | 1,696 |
| Efficiency ratio | 62.0720% | 6,145 |
| Assets per employee ($millions) | 5.6310% | 1,532 |
| Cash dividends to net income (ytd only)* | 9.3071% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,286 |
| Loan loss allowance to noncurrent loans | 127.7435% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 5,735 |
| Noncurrent loans to loans | 0.9482% | 5,413 |
| Net loans and leases to total assets | 71.4533% | 2,896 |
| Net loans and leases to deposits | 85.9229% | 2,925 |
| Net loans and leases to core deposits | 117.3916% | 2,190 |
| Total domestic deposits to total assets | 83.1598% | 4,445 |
| Equity capital to assets | 7.5134% | 7,025 |
| Core capital (leverage) ratio | 7.2079% | 7,062 |
| Tier 1 risk-based capital ratio | 9.3776% | 7,287 |
| Total risk-based capital ratio | 11.8582% | 6,270 |
| Memoranda: | ||
| Average total assets | $547,921,400 | 1,265 |
| Average earning assets | $526,601,000 | 1,206 |
| Average equity | $40,803,600 | 1,642 |
| Average total loans | $396,966,400 | 1,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 4,808 |
| Cost of funding earning assets | 1.8005% | 4,377 |
| Net interest margin | 3.6272% | 4,388 |
| Noninterest income to average assets | 0.1080% | 7,362 |
| Noninterest expense to average assets | 2.3407% | 6,592 |
| Loan and lease loss provision to assets | 0.4451% | 3,677 |
| Net operating income to assets | 0.5072% | 3,952 |
| Return on assets (ROA) | 0.5072% | 4,039 |
| Pretax return on assets | 0.8073% | 3,512 |
| Return on Equity (ROE) | 6.8271% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.1086% | 1,897 |
| Net charge-offs to loans | 0.2343% | 4,589 |
| Credit loss provision to net charge-offs | 262.1345% | 1,624 |
| Earnings coverage of net charge-offs (x) | 7.3757% | 2,416 |
| Efficiency ratio | 65.1444% | 5,524 |
| Assets per employee ($millions) | 5.6037% | 1,509 |
| Cash dividends to net income (ytd only)* | 10.5238% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,342 |
| Loan loss allowance to noncurrent loans | 182.4355% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 6,229 |
| Noncurrent loans to loans | 0.6373% | 6,021 |
| Net loans and leases to total assets | 70.1505% | 3,474 |
| Net loans and leases to deposits | 84.3937% | 3,590 |
| Net loans and leases to core deposits | 107.5858% | 3,521 |
| Total domestic deposits to total assets | 83.1229% | 4,166 |
| Equity capital to assets | 7.4420% | 7,343 |
| Core capital (leverage) ratio | 7.2767% | 7,207 |
| Tier 1 risk-based capital ratio | 9.4304% | 7,419 |
| Total risk-based capital ratio | 11.9188% | 6,256 |
| Memoranda: | ||
| Average total assets | $537,088,500 | 1,294 |
| Average earning assets | $516,057,750 | 1,237 |
| Average equity | $39,898,750 | 1,702 |
| Average total loans | $389,295,500 | 1,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 4,493 |
| Cost of funding earning assets | 1.8295% | 4,608 |
| Net interest margin | 3.6937% | 3,972 |
| Noninterest income to average assets | 0.1069% | 7,443 |
| Noninterest expense to average assets | 2.4033% | 6,448 |
| Loan and lease loss provision to assets | 0.4411% | 3,345 |
| Net operating income to assets | 0.4998% | 4,091 |
| Return on assets (ROA) | 0.4998% | 4,214 |
| Pretax return on assets | 0.8033% | 3,658 |
| Return on Equity (ROE) | 6.7318% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.1536% | 1,946 |
| Net charge-offs to loans | 0.2833% | 3,775 |
| Credit loss provision to net charge-offs | 213.1481% | 2,158 |
| Earnings coverage of net charge-offs (x) | 6.0130% | 2,704 |
| Efficiency ratio | 65.8857% | 5,565 |
| Assets per employee ($millions) | 5.4144% | 1,654 |
| Cash dividends to net income (ytd only)* | 8.5890% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,855 |
| Loan loss allowance to noncurrent loans | 22,689.4737% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 7,485 |
| Noncurrent loans to loans | 0.0047% | 7,562 |
| Net loans and leases to total assets | 72.3425% | 3,129 |
| Net loans and leases to deposits | 88.9262% | 3,005 |
| Net loans and leases to core deposits | 112.2652% | 3,104 |
| Total domestic deposits to total assets | 81.3512% | 4,946 |
| Equity capital to assets | 7.5822% | 7,193 |
| Core capital (leverage) ratio | 7.4553% | 7,074 |
| Tier 1 risk-based capital ratio | 9.5142% | 7,375 |
| Total risk-based capital ratio | 11.9483% | 6,127 |
| Memoranda: | ||
| Average total assets | $521,857,000 | 1,354 |
| Average earning assets | $500,252,670 | 1,287 |
| Average equity | $38,741,330 | 1,760 |
| Average total loans | $381,182,670 | 1,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 4,579 |
| Cost of funding earning assets | 1.8337% | 4,950 |
| Net interest margin | 3.7269% | 3,773 |
| Noninterest income to average assets | 0.0976% | 7,556 |
| Noninterest expense to average assets | 2.4066% | 6,172 |
| Loan and lease loss provision to assets | 0.1913% | 4,522 |
| Net operating income to assets | 0.6636% | 3,739 |
| Return on assets (ROA) | 0.6636% | 3,916 |
| Pretax return on assets | 1.0795% | 3,064 |
| Return on Equity (ROE) | 9.0453% | 2,697 |
| Retained earnings to average equity (ytd only) | 9.0453% | 1,469 |
| Net charge-offs to loans | 0.1294% | 3,927 |
| Credit loss provision to net charge-offs | 202.5210% | 2,192 |
| Earnings coverage of net charge-offs (x) | 13.4538% | 1,736 |
| Efficiency ratio | 65.4436% | 5,428 |
| Assets per employee ($millions) | 5.4188% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,036 |
| Loan loss allowance to noncurrent loans | 872.6027% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 6,988 |
| Noncurrent loans to loans | 0.1169% | 7,190 |
| Net loans and leases to total assets | 69.1367% | 3,883 |
| Net loans and leases to deposits | 84.9103% | 3,836 |
| Net loans and leases to core deposits | 106.4490% | 3,857 |
| Total domestic deposits to total assets | 81.4232% | 4,782 |
| Equity capital to assets | 7.7235% | 7,157 |
| Core capital (leverage) ratio | 7.9806% | 6,487 |
| Tier 1 risk-based capital ratio | 9.8844% | 7,056 |
| Total risk-based capital ratio | 12.3232% | 5,738 |
| Memoranda: | ||
| Average total assets | $503,942,500 | 1,407 |
| Average earning assets | $484,052,500 | 1,338 |
| Average equity | $36,969,500 | 1,852 |
| Average total loans | $367,896,500 | 1,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4838% | 3,040 |
| Cost of funding earning assets | 2.4945% | 4,237 |
| Net interest margin | 3.9893% | 3,168 |
| Noninterest income to average assets | 0.1159% | 7,542 |
| Noninterest expense to average assets | 2.4620% | 6,161 |
| Loan and lease loss provision to assets | 0.1909% | 4,974 |
| Net operating income to assets | 0.7708% | 3,568 |
| Return on assets (ROA) | 0.7708% | 3,409 |
| Pretax return on assets | 1.2511% | 2,478 |
| Return on Equity (ROE) | 11.2538% | 1,827 |
| Retained earnings to average equity (ytd only) | 11.2538% | 295 |
| Net charge-offs to loans | 0.1157% | 5,105 |
| Credit loss provision to net charge-offs | 212.4031% | 2,277 |
| Earnings coverage of net charge-offs (x) | 16.0439% | 1,880 |
| Efficiency ratio | 63.0637% | 5,763 |
| Assets per employee ($millions) | 5.0151% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 5,822 |
| Loan loss allowance to noncurrent loans | 376.0163% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 6,739 |
| Noncurrent loans to loans | 0.2725% | 6,557 |
| Net loans and leases to total assets | 75.8086% | 2,677 |
| Net loans and leases to deposits | 91.7184% | 3,188 |
| Net loans and leases to core deposits | 113.2119% | 3,424 |
| Total domestic deposits to total assets | 82.6536% | 3,921 |
| Equity capital to assets | 6.8951% | 7,780 |
| Core capital (leverage) ratio | 6.7590% | 7,832 |
| Tier 1 risk-based capital ratio | 8.2159% | 8,046 |
| Total risk-based capital ratio | 10.7550% | 7,223 |
| Memoranda: | ||
| Average total assets | $430,587,600 | 1,590 |
| Average earning assets | $408,865,200 | 1,531 |
| Average equity | $29,492,200 | 2,293 |
| Average total loans | $334,357,200 | 1,454 |