Home > Coppermark Bank > Performance and Condition Ratios
Coppermark Bank, Performance and Condition Ratios
| 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 | 3.9658% | 4,244 |
| Cost of funding earning assets | 0.5097% | 3,976 |
| Net interest margin | 3.4561% | 3,872 |
| Noninterest income to average assets | 0.7200% | 2,485 |
| Noninterest expense to average assets | 5.2147% | 318 |
| Loan and lease loss provision to assets | 0.0624% | 3,591 |
| Net operating income to assets | -0.8170% | 6,767 |
| Return on assets (ROA) | -0.8170% | 6,779 |
| Pretax return on assets | -1.3706% | 6,868 |
| Return on Equity (ROE) | -8.4859% | 6,775 |
| Retained earnings to average equity (ytd only) | -14.8454% | 6,740 |
| Net charge-offs to loans | 0.0823% | 3,020 |
| Credit loss provision to net charge-offs | 114.2857% | 1,652 |
| Earnings coverage of net charge-offs (x) | -23.9543% | 4,126 |
| Efficiency ratio | 133.4878% | 133 |
| Assets per employee ($millions) | 5.3973% | 1,752 |
| Cash dividends to net income (ytd only)* | -74.9427% | 6,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,574 |
| Loan loss allowance to noncurrent loans | 2,165.1252% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 4,049 |
| Noncurrent loans to loans | 0.0612% | 6,293 |
| Net loans and leases to total assets | 67.0788% | 2,178 |
| Net loans and leases to deposits | 74.8181% | 2,798 |
| Net loans and leases to core deposits | 83.8936% | 2,335 |
| Total domestic deposits to total assets | 89.6559% | 1,259 |
| Equity capital to assets | 9.7143% | 4,543 |
| Core capital (leverage) ratio | 9.5184% | 4,048 |
| Tier 1 risk-based capital ratio | 12.1123% | 5,848 |
| Total risk-based capital ratio | 13.2362% | 5,885 |
| Memoranda: | ||
| Average total assets | $1,281,753,000 | 516 |
| Average earning assets | $1,181,802,000 | 507 |
| Average equity | $123,405,000 | 592 |
| Average total loans | $850,452,000 | 491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 3,991 |
| Cost of funding earning assets | 0.6018% | 4,335 |
| Net interest margin | 3.7570% | 3,408 |
| Noninterest income to average assets | 0.9529% | 1,690 |
| Noninterest expense to average assets | 2.4660% | 5,206 |
| Loan and lease loss provision to assets | 0.0651% | 4,948 |
| Net operating income to assets | 1.2367% | 1,486 |
| Return on assets (ROA) | 1.2367% | 1,652 |
| Pretax return on assets | 1.8967% | 761 |
| Return on Equity (ROE) | 12.7989% | 1,282 |
| Retained earnings to average equity (ytd only) | 1.0042% | 5,375 |
| Net charge-offs to loans | 0.2825% | 3,248 |
| Credit loss provision to net charge-offs | 33.7730% | 5,043 |
| Earnings coverage of net charge-offs (x) | 10.1827% | 2,166 |
| Efficiency ratio | 55.6937% | 6,089 |
| Assets per employee ($millions) | 5.7499% | 1,477 |
| Cash dividends to net income (ytd only)* | 92.1544% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,560 |
| Loan loss allowance to noncurrent loans | 1,066.7935% | 440 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 3,812 |
| Noncurrent loans to loans | 0.1232% | 6,171 |
| Net loans and leases to total assets | 63.9564% | 2,904 |
| Net loans and leases to deposits | 72.1220% | 3,392 |
| Net loans and leases to core deposits | 80.4345% | 2,952 |
| Total domestic deposits to total assets | 88.6780% | 1,784 |
| Equity capital to assets | 9.5460% | 4,819 |
| Core capital (leverage) ratio | 9.5446% | 4,046 |
| Tier 1 risk-based capital ratio | 12.3091% | 5,596 |
| Total risk-based capital ratio | 13.4073% | 5,640 |
| Memoranda: | ||
| Average total assets | $1,298,647,000 | 514 |
| Average earning assets | $1,201,149,000 | 499 |
| Average equity | $125,479,200 | 573 |
| Average total loans | $885,810,000 | 462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 3,949 |
| Cost of funding earning assets | 0.6120% | 4,522 |
| Net interest margin | 3.8122% | 3,283 |
| Noninterest income to average assets | 0.9665% | 1,610 |
| Noninterest expense to average assets | 2.5191% | 5,016 |
| Loan and lease loss provision to assets | 0.0922% | 4,443 |
| Net operating income to assets | 1.1678% | 1,838 |
| Return on assets (ROA) | 1.1678% | 2,034 |
| Pretax return on assets | 1.8827% | 905 |
| Return on Equity (ROE) | 12.0494% | 1,620 |
| Retained earnings to average equity (ytd only) | -3.5239% | 6,519 |
| Net charge-offs to loans | 0.3354% | 2,778 |
| Credit loss provision to net charge-offs | 39.7955% | 4,624 |
| Earnings coverage of net charge-offs (x) | 8.5233% | 2,435 |
| Efficiency ratio | 56.0546% | 6,053 |
| Assets per employee ($millions) | 5.6610% | 1,491 |
| Cash dividends to net income (ytd only)* | 129.2457% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,736 |
| Loan loss allowance to noncurrent loans | 455.6787% | 836 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 3,751 |
| Noncurrent loans to loans | 0.2891% | 5,911 |
| Net loans and leases to total assets | 65.1222% | 2,812 |
| Net loans and leases to deposits | 73.1025% | 3,434 |
| Net loans and leases to core deposits | 82.9416% | 2,834 |
| Total domestic deposits to total assets | 89.0834% | 1,381 |
| Equity capital to assets | 9.1437% | 5,657 |
| Core capital (leverage) ratio | 9.2997% | 4,588 |
| Tier 1 risk-based capital ratio | 11.6605% | 6,140 |
| Total risk-based capital ratio | 12.7693% | 6,188 |
| Memoranda: | ||
| Average total assets | $1,294,125,750 | 518 |
| Average earning assets | $1,197,498,500 | 504 |
| Average equity | $125,425,250 | 573 |
| Average total loans | $893,926,000 | 459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 3,818 |
| Cost of funding earning assets | 0.6260% | 4,668 |
| Net interest margin | 3.8618% | 3,079 |
| Noninterest income to average assets | 0.9694% | 1,548 |
| Noninterest expense to average assets | 2.5291% | 5,045 |
| Loan and lease loss provision to assets | 0.1480% | 3,664 |
| Net operating income to assets | 1.1687% | 1,821 |
| Return on assets (ROA) | 1.1687% | 2,022 |
| Pretax return on assets | 1.8748% | 896 |
| Return on Equity (ROE) | 11.8289% | 1,721 |
| Retained earnings to average equity (ytd only) | 7.6510% | 1,786 |
| Net charge-offs to loans | 0.4535% | 2,245 |
| Credit loss provision to net charge-offs | 46.5230% | 4,117 |
| Earnings coverage of net charge-offs (x) | 6.3595% | 2,651 |
| Efficiency ratio | 55.5609% | 6,167 |
| Assets per employee ($millions) | 5.6106% | 1,516 |
| Cash dividends to net income (ytd only)* | 35.3192% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,712 |
| Loan loss allowance to noncurrent loans | 428.0989% | 847 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 3,911 |
| Noncurrent loans to loans | 0.3124% | 5,925 |
| Net loans and leases to total assets | 67.0472% | 2,452 |
| Net loans and leases to deposits | 75.9767% | 3,000 |
| Net loans and leases to core deposits | 86.4508% | 2,368 |
| Total domestic deposits to total assets | 88.2471% | 1,988 |
| Equity capital to assets | 9.9758% | 4,369 |
| Core capital (leverage) ratio | 10.0953% | 3,284 |
| Tier 1 risk-based capital ratio | 12.6207% | 5,477 |
| Total risk-based capital ratio | 13.7705% | 5,534 |
| Memoranda: | ||
| Average total assets | $1,283,946,000 | 523 |
| Average earning assets | $1,191,107,670 | 510 |
| Average equity | $126,859,000 | 566 |
| Average total loans | $900,512,670 | 459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 4,105 |
| Cost of funding earning assets | 0.6413% | 4,812 |
| Net interest margin | 3.8109% | 3,342 |
| Noninterest income to average assets | 0.9813% | 1,474 |
| Noninterest expense to average assets | 2.5364% | 5,034 |
| Loan and lease loss provision to assets | 0.0939% | 4,173 |
| Net operating income to assets | 1.1628% | 1,849 |
| Return on assets (ROA) | 1.1628% | 2,029 |
| Pretax return on assets | 1.8831% | 914 |
| Return on Equity (ROE) | 11.8272% | 1,724 |
| Retained earnings to average equity (ytd only) | 7.0517% | 2,408 |
| Net charge-offs to loans | 0.5439% | 1,727 |
| Credit loss provision to net charge-offs | 24.2326% | 3,716 |
| Earnings coverage of net charge-offs (x) | 5.1018% | 2,439 |
| Efficiency ratio | 56.1967% | 6,102 |
| Assets per employee ($millions) | 5.6473% | 1,569 |
| Cash dividends to net income (ytd only)* | 40.3769% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,936 |
| Loan loss allowance to noncurrent loans | 434.0124% | 780 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 3,940 |
| Noncurrent loans to loans | 0.3037% | 6,070 |
| Net loans and leases to total assets | 69.0767% | 1,938 |
| Net loans and leases to deposits | 78.2921% | 2,454 |
| Net loans and leases to core deposits | 89.1027% | 1,940 |
| Total domestic deposits to total assets | 88.2295% | 2,172 |
| Equity capital to assets | 9.7936% | 4,383 |
| Core capital (leverage) ratio | 9.9631% | 3,404 |
| Tier 1 risk-based capital ratio | 12.1307% | 5,879 |
| Total risk-based capital ratio | 13.2736% | 5,935 |
| Memoranda: | ||
| Average total assets | $1,277,897,000 | 523 |
| Average earning assets | $1,184,391,000 | 508 |
| Average equity | $125,643,000 | 571 |
| Average total loans | $910,400,000 | 456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 3,920 |
| Cost of funding earning assets | 0.7448% | 5,243 |
| Net interest margin | 4.0311% | 2,727 |
| Noninterest income to average assets | 1.0417% | 1,249 |
| Noninterest expense to average assets | 2.6876% | 4,791 |
| Loan and lease loss provision to assets | 0.1221% | 5,077 |
| Net operating income to assets | 1.2281% | 1,435 |
| Return on assets (ROA) | 1.2281% | 1,540 |
| Pretax return on assets | 1.9530% | 587 |
| Return on Equity (ROE) | 12.8379% | 1,199 |
| Retained earnings to average equity (ytd only) | 8.2428% | 1,002 |
| Net charge-offs to loans | 0.2099% | 4,479 |
| Credit loss provision to net charge-offs | 79.3659% | 4,485 |
| Earnings coverage of net charge-offs (x) | 13.4828% | 1,537 |
| Efficiency ratio | 56.4302% | 6,260 |
| Assets per employee ($millions) | 5.6872% | 1,450 |
| Cash dividends to net income (ytd only)* | 35.7934% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,428 |
| Loan loss allowance to noncurrent loans | 160.7018% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 3,681 |
| Noncurrent loans to loans | 0.8747% | 4,938 |
| Net loans and leases to total assets | 71.4957% | 1,732 |
| Net loans and leases to deposits | 81.0515% | 2,348 |
| Net loans and leases to core deposits | 84.3253% | 2,849 |
| Total domestic deposits to total assets | 88.2102% | 2,020 |
| Equity capital to assets | 9.8714% | 4,341 |
| Core capital (leverage) ratio | 9.7393% | 3,690 |
| Tier 1 risk-based capital ratio | 11.7854% | 5,966 |
| Total risk-based capital ratio | 13.0044% | 5,976 |
| Memoranda: | ||
| Average total assets | $1,250,108,800 | 523 |
| Average earning assets | $1,153,926,200 | 514 |
| Average equity | $119,583,800 | 581 |
| Average total loans | $916,701,800 | 459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 4,046 |
| Cost of funding earning assets | 0.7685% | 5,342 |
| Net interest margin | 4.0244% | 2,806 |
| Noninterest income to average assets | 1.0809% | 1,148 |
| Noninterest expense to average assets | 2.7422% | 4,573 |
| Loan and lease loss provision to assets | 0.1467% | 4,615 |
| Net operating income to assets | 1.1824% | 1,700 |
| Return on assets (ROA) | 1.1824% | 1,822 |
| Pretax return on assets | 1.9089% | 765 |
| Return on Equity (ROE) | 12.4617% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.9318% | 1,529 |
| Net charge-offs to loans | 0.2344% | 3,959 |
| Credit loss provision to net charge-offs | 85.1117% | 3,958 |
| Earnings coverage of net charge-offs (x) | 11.9262% | 1,763 |
| Efficiency ratio | 57.1559% | 6,121 |
| Assets per employee ($millions) | 5.5460% | 1,552 |
| Cash dividends to net income (ytd only)* | 36.3505% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 4,309 |
| Loan loss allowance to noncurrent loans | 160.3397% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 3,648 |
| Noncurrent loans to loans | 0.9085% | 5,048 |
| Net loans and leases to total assets | 68.7825% | 2,316 |
| Net loans and leases to deposits | 77.6151% | 3,066 |
| Net loans and leases to core deposits | 80.6717% | 3,538 |
| Total domestic deposits to total assets | 88.6200% | 1,679 |
| Equity capital to assets | 9.5150% | 5,060 |
| Core capital (leverage) ratio | 9.7475% | 3,778 |
| Tier 1 risk-based capital ratio | 11.6507% | 6,138 |
| Total risk-based capital ratio | 12.8988% | 6,137 |
| Memoranda: | ||
| Average total assets | $1,246,998,000 | 535 |
| Average earning assets | $1,151,716,500 | 520 |
| Average equity | $118,322,000 | 590 |
| Average total loans | $916,992,250 | 460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 3,933 |
| Cost of funding earning assets | 0.8004% | 5,365 |
| Net interest margin | 4.0341% | 2,684 |
| Noninterest income to average assets | 1.0943% | 1,080 |
| Noninterest expense to average assets | 2.7141% | 4,761 |
| Loan and lease loss provision to assets | 0.1897% | 4,023 |
| Net operating income to assets | 1.1915% | 1,597 |
| Return on assets (ROA) | 1.1915% | 1,686 |
| Pretax return on assets | 1.9163% | 682 |
| Return on Equity (ROE) | 12.5690% | 1,319 |
| Retained earnings to average equity (ytd only) | 8.1807% | 1,392 |
| Net charge-offs to loans | 0.2224% | 3,792 |
| Credit loss provision to net charge-offs | 114.0078% | 2,687 |
| Earnings coverage of net charge-offs (x) | 12.6566% | 1,610 |
| Efficiency ratio | 56.3081% | 6,389 |
| Assets per employee ($millions) | 5.3879% | 1,669 |
| Cash dividends to net income (ytd only)* | 34.9137% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 4,280 |
| Loan loss allowance to noncurrent loans | 80.7637% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 2,930 |
| Noncurrent loans to loans | 1.8139% | 3,732 |
| Net loans and leases to total assets | 72.1577% | 1,758 |
| Net loans and leases to deposits | 81.4752% | 2,524 |
| Net loans and leases to core deposits | 84.8435% | 3,092 |
| Total domestic deposits to total assets | 88.5640% | 1,807 |
| Equity capital to assets | 9.5723% | 4,704 |
| Core capital (leverage) ratio | 9.6282% | 3,769 |
| Tier 1 risk-based capital ratio | 11.4002% | 6,247 |
| Total risk-based capital ratio | 12.6506% | 6,234 |
| Memoranda: | ||
| Average total assets | $1,235,624,000 | 543 |
| Average earning assets | $1,141,179,000 | 526 |
| Average equity | $117,129,670 | 599 |
| Average total loans | $924,585,330 | 464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 4,098 |
| Cost of funding earning assets | 0.8358% | 5,360 |
| Net interest margin | 3.9551% | 2,895 |
| Noninterest income to average assets | 1.1097% | 1,064 |
| Noninterest expense to average assets | 2.6818% | 4,907 |
| Loan and lease loss provision to assets | 0.1781% | 3,839 |
| Net operating income to assets | 1.1738% | 1,589 |
| Return on assets (ROA) | 1.1738% | 1,641 |
| Pretax return on assets | 1.9065% | 670 |
| Return on Equity (ROE) | 12.4452% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.3026% | 1,616 |
| Net charge-offs to loans | 0.2837% | 2,931 |
| Credit loss provision to net charge-offs | 83.0046% | 3,099 |
| Earnings coverage of net charge-offs (x) | 9.7147% | 1,696 |
| Efficiency ratio | 56.2645% | 6,475 |
| Assets per employee ($millions) | 5.2222% | 1,864 |
| Cash dividends to net income (ytd only)* | 33.2871% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 4,566 |
| Loan loss allowance to noncurrent loans | 93.1652% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0737% | 3,228 |
| Noncurrent loans to loans | 1.5245% | 4,184 |
| Net loans and leases to total assets | 74.0784% | 1,330 |
| Net loans and leases to deposits | 83.7365% | 2,076 |
| Net loans and leases to core deposits | 87.6779% | 2,645 |
| Total domestic deposits to total assets | 88.4661% | 2,100 |
| Equity capital to assets | 9.4992% | 4,437 |
| Core capital (leverage) ratio | 9.5021% | 3,803 |
| Tier 1 risk-based capital ratio | 11.1748% | 6,373 |
| Total risk-based capital ratio | 12.4249% | 6,347 |
| Memoranda: | ||
| Average total assets | $1,228,439,000 | 547 |
| Average earning assets | $1,135,743,000 | 531 |
| Average equity | $115,868,000 | 597 |
| Average total loans | $929,189,500 | 468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 3,886 |
| Cost of funding earning assets | 1.0690% | 5,322 |
| Net interest margin | 4.0752% | 2,681 |
| Noninterest income to average assets | 1.1771% | 1,071 |
| Noninterest expense to average assets | 2.8521% | 4,398 |
| Loan and lease loss provision to assets | 0.2315% | 4,965 |
| Net operating income to assets | 1.1635% | 1,502 |
| Return on assets (ROA) | 1.1635% | 1,584 |
| Pretax return on assets | 1.8607% | 666 |
| Return on Equity (ROE) | 12.6466% | 1,178 |
| Retained earnings to average equity (ytd only) | 8.1569% | 934 |
| Net charge-offs to loans | 0.1286% | 5,618 |
| Credit loss provision to net charge-offs | 226.4151% | 1,308 |
| Earnings coverage of net charge-offs (x) | 20.4602% | 1,001 |
| Efficiency ratio | 57.6848% | 6,377 |
| Assets per employee ($millions) | 5.1664% | 1,914 |
| Cash dividends to net income (ytd only)* | 35.5011% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,411 |
| Loan loss allowance to noncurrent loans | 138.9255% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 3,760 |
| Noncurrent loans to loans | 1.0243% | 5,020 |
| Net loans and leases to total assets | 75.0537% | 1,465 |
| Net loans and leases to deposits | 84.9049% | 2,297 |
| Net loans and leases to core deposits | 92.4603% | 2,441 |
| Total domestic deposits to total assets | 88.3975% | 2,017 |
| Equity capital to assets | 9.3646% | 4,593 |
| Core capital (leverage) ratio | 9.3930% | 3,855 |
| Tier 1 risk-based capital ratio | 10.9091% | 6,403 |
| Total risk-based capital ratio | 12.1594% | 6,374 |
| Memoranda: | ||
| Average total assets | $1,192,108,800 | 562 |
| Average earning assets | $1,102,007,200 | 545 |
| Average equity | $109,673,600 | 612 |
| Average total loans | $948,140,400 | 474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 4,198 |
| Cost of funding earning assets | 1.1204% | 5,317 |
| Net interest margin | 4.0045% | 3,084 |
| Noninterest income to average assets | 1.1529% | 1,055 |
| Noninterest expense to average assets | 2.8761% | 4,177 |
| Loan and lease loss provision to assets | 0.2658% | 4,451 |
| Net operating income to assets | 1.0739% | 1,990 |
| Return on assets (ROA) | 1.0739% | 2,101 |
| Pretax return on assets | 1.7164% | 1,082 |
| Return on Equity (ROE) | 11.7275% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.0498% | 1,818 |
| Net charge-offs to loans | 0.1209% | 5,342 |
| Credit loss provision to net charge-offs | 273.4647% | 1,198 |
| Earnings coverage of net charge-offs (x) | 20.3963% | 1,168 |
| Efficiency ratio | 59.2008% | 6,083 |
| Assets per employee ($millions) | 5.0011% | 2,179 |
| Cash dividends to net income (ytd only)* | 39.8867% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,548 |
| Loan loss allowance to noncurrent loans | 113.8846% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 3,785 |
| Noncurrent loans to loans | 1.2166% | 4,813 |
| Net loans and leases to total assets | 76.8064% | 1,259 |
| Net loans and leases to deposits | 86.5792% | 2,224 |
| Net loans and leases to core deposits | 95.0712% | 2,377 |
| Total domestic deposits to total assets | 88.7123% | 1,555 |
| Equity capital to assets | 9.0980% | 5,450 |
| Core capital (leverage) ratio | 9.2073% | 4,354 |
| Tier 1 risk-based capital ratio | 10.5463% | 6,746 |
| Total risk-based capital ratio | 11.7963% | 6,726 |
| Memoranda: | ||
| Average total assets | $1,184,024,000 | 561 |
| Average earning assets | $1,095,577,750 | 549 |
| Average equity | $108,425,750 | 607 |
| Average total loans | $952,110,500 | 469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 4,337 |
| Cost of funding earning assets | 1.1793% | 5,241 |
| Net interest margin | 3.9428% | 3,270 |
| Noninterest income to average assets | 1.2185% | 871 |
| Noninterest expense to average assets | 2.9367% | 3,933 |
| Loan and lease loss provision to assets | 0.3179% | 3,838 |
| Net operating income to assets | 1.0150% | 2,140 |
| Return on assets (ROA) | 1.0150% | 2,211 |
| Pretax return on assets | 1.6157% | 1,261 |
| Return on Equity (ROE) | 11.0586% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.2099% | 2,221 |
| Net charge-offs to loans | 0.1440% | 4,791 |
| Credit loss provision to net charge-offs | 271.5328% | 1,386 |
| Earnings coverage of net charge-offs (x) | 16.5168% | 1,398 |
| Efficiency ratio | 60.2990% | 5,997 |
| Assets per employee ($millions) | 4.7267% | 2,542 |
| Cash dividends to net income (ytd only)* | 43.8458% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,681 |
| Loan loss allowance to noncurrent loans | 69.1392% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 3,506 |
| Noncurrent loans to loans | 1.9523% | 3,788 |
| Net loans and leases to total assets | 78.8394% | 986 |
| Net loans and leases to deposits | 89.0475% | 1,994 |
| Net loans and leases to core deposits | 98.1278% | 2,212 |
| Total domestic deposits to total assets | 88.5363% | 1,706 |
| Equity capital to assets | 9.1197% | 5,263 |
| Core capital (leverage) ratio | 9.1894% | 4,312 |
| Tier 1 risk-based capital ratio | 10.3059% | 6,833 |
| Total risk-based capital ratio | 11.5261% | 6,837 |
| Memoranda: | ||
| Average total assets | $1,170,279,330 | 569 |
| Average earning assets | $1,083,889,670 | 553 |
| Average equity | $107,409,670 | 608 |
| Average total loans | $951,381,000 | 470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 4,126 |
| Cost of funding earning assets | 1.2465% | 5,131 |
| Net interest margin | 3.9343% | 3,177 |
| Noninterest income to average assets | 1.1528% | 934 |
| Noninterest expense to average assets | 2.8883% | 4,112 |
| Loan and lease loss provision to assets | 0.2851% | 3,746 |
| Net operating income to assets | 1.0177% | 2,121 |
| Return on assets (ROA) | 1.0177% | 2,182 |
| Pretax return on assets | 1.6214% | 1,217 |
| Return on Equity (ROE) | 11.0522% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.3424% | 2,450 |
| Net charge-offs to loans | 0.0687% | 4,724 |
| Credit loss provision to net charge-offs | 506.1350% | 824 |
| Earnings coverage of net charge-offs (x) | 33.8466% | 797 |
| Efficiency ratio | 60.2378% | 6,121 |
| Assets per employee ($millions) | 4.7364% | 2,587 |
| Cash dividends to net income (ytd only)* | 42.6146% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,937 |
| Loan loss allowance to noncurrent loans | 115.4212% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 4,421 |
| Noncurrent loans to loans | 1.1267% | 5,111 |
| Net loans and leases to total assets | 80.0363% | 843 |
| Net loans and leases to deposits | 91.0633% | 1,747 |
| Net loans and leases to core deposits | 97.3550% | 2,416 |
| Total domestic deposits to total assets | 87.8909% | 2,123 |
| Equity capital to assets | 9.1444% | 5,073 |
| Core capital (leverage) ratio | 9.0818% | 4,412 |
| Tier 1 risk-based capital ratio | 10.2272% | 6,867 |
| Total risk-based capital ratio | 11.4078% | 6,916 |
| Memoranda: | ||
| Average total assets | $1,157,491,000 | 588 |
| Average earning assets | $1,071,500,000 | 576 |
| Average equity | $106,585,000 | 615 |
| Average total loans | $949,218,500 | 491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 4,959 |
| Cost of funding earning assets | 1.5368% | 5,353 |
| Net interest margin | 3.8093% | 3,664 |
| Noninterest income to average assets | 1.2684% | 940 |
| Noninterest expense to average assets | 2.9886% | 4,190 |
| Loan and lease loss provision to assets | 0.2659% | 5,283 |
| Net operating income to assets | 1.0169% | 1,784 |
| Return on assets (ROA) | 1.0169% | 1,830 |
| Pretax return on assets | 1.5721% | 1,027 |
| Return on Equity (ROE) | 11.1989% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.3150% | 1,222 |
| Net charge-offs to loans | 0.3934% | 4,245 |
| Credit loss provision to net charge-offs | 78.4293% | 6,326 |
| Earnings coverage of net charge-offs (x) | 5.4204% | 2,605 |
| Efficiency ratio | 61.9193% | 6,169 |
| Assets per employee ($millions) | 4.6356% | 2,708 |
| Cash dividends to net income (ytd only)* | 43.6103% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,122 |
| Loan loss allowance to noncurrent loans | 105.4122% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 4,232 |
| Noncurrent loans to loans | 1.1759% | 4,976 |
| Net loans and leases to total assets | 81.9215% | 691 |
| Net loans and leases to deposits | 93.4074% | 1,676 |
| Net loans and leases to core deposits | 115.8719% | 2,332 |
| Total domestic deposits to total assets | 87.7035% | 2,120 |
| Equity capital to assets | 9.2741% | 4,732 |
| Core capital (leverage) ratio | 8.9614% | 4,489 |
| Tier 1 risk-based capital ratio | 10.0789% | 6,801 |
| Total risk-based capital ratio | 11.1978% | 6,894 |
| Memoranda: | ||
| Average total assets | $1,126,528,800 | 590 |
| Average earning assets | $1,052,286,400 | 575 |
| Average equity | $102,295,800 | 637 |
| Average total loans | $970,933,600 | 487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 5,160 |
| Cost of funding earning assets | 1.5798% | 5,490 |
| Net interest margin | 3.7730% | 3,762 |
| Noninterest income to average assets | 1.3115% | 897 |
| Noninterest expense to average assets | 3.1303% | 3,537 |
| Loan and lease loss provision to assets | 0.2249% | 5,172 |
| Net operating income to assets | 0.9499% | 2,234 |
| Return on assets (ROA) | 0.9499% | 2,295 |
| Pretax return on assets | 1.4878% | 1,446 |
| Return on Equity (ROE) | 10.5173% | 1,759 |
| Retained earnings to average equity (ytd only) | 5.1988% | 2,371 |
| Net charge-offs to loans | 0.2157% | 4,683 |
| Credit loss provision to net charge-offs | 119.7976% | 4,240 |
| Earnings coverage of net charge-offs (x) | 9.1246% | 2,147 |
| Efficiency ratio | 64.6361% | 5,629 |
| Assets per employee ($millions) | 5.0011% | 2,141 |
| Cash dividends to net income (ytd only)* | 50.5687% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,300 |
| Loan loss allowance to noncurrent loans | 85.1788% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 3,818 |
| Noncurrent loans to loans | 1.5647% | 4,290 |
| Net loans and leases to total assets | 82.0664% | 801 |
| Net loans and leases to deposits | 93.2060% | 2,023 |
| Net loans and leases to core deposits | 116.6253% | 2,560 |
| Total domestic deposits to total assets | 88.0484% | 1,633 |
| Equity capital to assets | 8.8924% | 5,646 |
| Core capital (leverage) ratio | 8.8381% | 4,910 |
| Tier 1 risk-based capital ratio | 9.6474% | 7,279 |
| Total risk-based capital ratio | 10.8508% | 7,266 |
| Memoranda: | ||
| Average total assets | $1,123,070,250 | 603 |
| Average earning assets | $1,051,162,750 | 584 |
| Average equity | $101,430,250 | 652 |
| Average total loans | $977,185,000 | 500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 5,384 |
| Cost of funding earning assets | 1.6092% | 5,708 |
| Net interest margin | 3.7441% | 3,775 |
| Noninterest income to average assets | 1.2682% | 947 |
| Noninterest expense to average assets | 3.0999% | 3,703 |
| Loan and lease loss provision to assets | 0.1576% | 5,493 |
| Net operating income to assets | 0.9663% | 2,219 |
| Return on assets (ROA) | 0.9663% | 2,325 |
| Pretax return on assets | 1.5209% | 1,389 |
| Return on Equity (ROE) | 10.6417% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.5365% | 1,779 |
| Net charge-offs to loans | 0.2000% | 4,286 |
| Credit loss provision to net charge-offs | 89.1947% | 4,950 |
| Earnings coverage of net charge-offs (x) | 9.5015% | 2,122 |
| Efficiency ratio | 64.8741% | 5,745 |
| Assets per employee ($millions) | 4.6490% | 2,528 |
| Cash dividends to net income (ytd only)* | 38.5762% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,520 |
| Loan loss allowance to noncurrent loans | 371.8769% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 5,511 |
| Noncurrent loans to loans | 0.3394% | 6,666 |
| Net loans and leases to total assets | 86.1633% | 365 |
| Net loans and leases to deposits | 98.0895% | 1,505 |
| Net loans and leases to core deposits | 121.7826% | 2,225 |
| Total domestic deposits to total assets | 87.8415% | 1,840 |
| Equity capital to assets | 9.0765% | 5,207 |
| Core capital (leverage) ratio | 8.9773% | 4,670 |
| Tier 1 risk-based capital ratio | 9.5179% | 7,372 |
| Total risk-based capital ratio | 10.6739% | 7,421 |
| Memoranda: | ||
| Average total assets | $1,110,676,000 | 624 |
| Average earning assets | $1,041,275,000 | 599 |
| Average equity | $100,849,000 | 667 |
| Average total loans | $981,233,330 | 516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 5,708 |
| Cost of funding earning assets | 1.6067% | 6,007 |
| Net interest margin | 3.7331% | 3,747 |
| Noninterest income to average assets | 1.2194% | 969 |
| Noninterest expense to average assets | 3.0884% | 3,417 |
| Loan and lease loss provision to assets | 0.1453% | 5,086 |
| Net operating income to assets | 0.9408% | 2,545 |
| Return on assets (ROA) | 0.9408% | 2,676 |
| Pretax return on assets | 1.4773% | 1,733 |
| Return on Equity (ROE) | 10.3595% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.5597% | 2,837 |
| Net charge-offs to loans | 0.2562% | 3,129 |
| Credit loss provision to net charge-offs | 63.7959% | 4,460 |
| Earnings coverage of net charge-offs (x) | 7.1244% | 2,390 |
| Efficiency ratio | 65.5563% | 5,414 |
| Assets per employee ($millions) | 4.6668% | 2,487 |
| Cash dividends to net income (ytd only)* | 46.3320% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 4,301 |
| Loan loss allowance to noncurrent loans | 390.3073% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,559 |
| Noncurrent loans to loans | 0.3244% | 6,628 |
| Net loans and leases to total assets | 84.3705% | 636 |
| Net loans and leases to deposits | 95.8873% | 1,969 |
| Net loans and leases to core deposits | 116.0866% | 2,796 |
| Total domestic deposits to total assets | 87.9892% | 1,751 |
| Equity capital to assets | 8.8411% | 5,562 |
| Core capital (leverage) ratio | 9.2658% | 4,293 |
| Tier 1 risk-based capital ratio | 9.2171% | 7,660 |
| Total risk-based capital ratio | 10.3467% | 7,749 |
| Memoranda: | ||
| Average total assets | $1,101,162,000 | 626 |
| Average earning assets | $1,029,921,500 | 608 |
| Average equity | $100,004,500 | 672 |
| Average total loans | $978,933,500 | 521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4689% | 3,124 |
| Cost of funding earning assets | 2.1582% | 5,786 |
| Net interest margin | 4.3108% | 1,942 |
| Noninterest income to average assets | 1.5760% | 564 |
| Noninterest expense to average assets | 3.2389% | 3,192 |
| Loan and lease loss provision to assets | 0.3044% | 3,940 |
| Net operating income to assets | 1.2774% | 1,550 |
| Return on assets (ROA) | 1.2774% | 1,501 |
| Pretax return on assets | 2.0439% | 539 |
| Return on Equity (ROE) | 14.0160% | 1,100 |
| Retained earnings to average equity (ytd only) | 9.0985% | 588 |
| Net charge-offs to loans | 0.1153% | 5,109 |
| Credit loss provision to net charge-offs | 291.9626% | 1,556 |
| Earnings coverage of net charge-offs (x) | 22.5252% | 1,470 |
| Efficiency ratio | 57.9694% | 6,702 |
| Assets per employee ($millions) | 4.3951% | 2,800 |
| Cash dividends to net income (ytd only)* | 35.0850% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 3,963 |
| Loan loss allowance to noncurrent loans | 85.9756% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 3,243 |
| Noncurrent loans to loans | 1.4821% | 3,583 |
| Net loans and leases to total assets | 91.4111% | 108 |
| Net loans and leases to deposits | 105.1170% | 1,210 |
| Net loans and leases to core deposits | 122.4364% | 2,462 |
| Total domestic deposits to total assets | 86.9612% | 1,951 |
| Equity capital to assets | 9.3394% | 4,885 |
| Core capital (leverage) ratio | 9.4487% | 4,091 |
| Tier 1 risk-based capital ratio | 9.0439% | 7,751 |
| Total risk-based capital ratio | 10.1885% | 7,837 |
| Memoranda: | ||
| Average total assets | $1,026,347,800 | 645 |
| Average earning assets | $955,023,800 | 626 |
| Average equity | $93,543,400 | 717 |
| Average total loans | $927,858,600 | 531 |