Home > Decatur State Bank > Performance and Condition Ratios
Decatur State 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 | 6.3513% | 103 |
| Cost of funding earning assets | 0.5548% | 2,243 |
| Net interest margin | 5.7965% | 96 |
| Noninterest income to average assets | -1.5952% | 6,586 |
| Noninterest expense to average assets | 2.8010% | 3,452 |
| Loan and lease loss provision to assets | 0.1378% | 1,811 |
| Net operating income to assets | 0.1920% | 5,862 |
| Return on assets (ROA) | 0.1837% | 5,920 |
| Pretax return on assets | 0.6159% | 4,978 |
| Return on Equity (ROE) | 1.6666% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.6666% | 5,214 |
| Net charge-offs to loans | 0.8972% | 363 |
| Credit loss provision to net charge-offs | 20.5663% | 3,574 |
| Earnings coverage of net charge-offs (x) | 1.1446% | 4,219 |
| Efficiency ratio | 77.8120% | 2,212 |
| Assets per employee ($millions) | 4.6005% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,661 |
| Loan loss allowance to noncurrent loans | 31.7243% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 6.6290% | 194 |
| Noncurrent loans to loans | 3.5272% | 673 |
| Net loans and leases to total assets | 74.8434% | 1,390 |
| Net loans and leases to deposits | 85.7745% | 1,931 |
| Net loans and leases to core deposits | 89.8130% | 2,241 |
| Total domestic deposits to total assets | 87.2559% | 2,174 |
| Equity capital to assets | 12.5764% | 1,650 |
| Core capital (leverage) ratio | 11.3735% | 2,157 |
| Tier 1 risk-based capital ratio | 15.7358% | 3,191 |
| Total risk-based capital ratio | 16.8035% | 3,225 |
| Memoranda: | ||
| Average total assets | $133,567,500 | 3,947 |
| Average earning assets | $118,965,250 | 4,016 |
| Average equity | $14,720,250 | 3,906 |
| Average total loans | $99,709,750 | 3,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7307% | 80 |
| Cost of funding earning assets | 0.5412% | 2,425 |
| Net interest margin | 6.1894% | 76 |
| Noninterest income to average assets | -2.5083% | 6,656 |
| Noninterest expense to average assets | 2.8013% | 3,503 |
| Loan and lease loss provision to assets | 0.2042% | 1,173 |
| Net operating income to assets | -0.6378% | 6,470 |
| Return on assets (ROA) | -0.6570% | 6,478 |
| Pretax return on assets | -0.0163% | 6,206 |
| Return on Equity (ROE) | -6.2417% | 6,463 |
| Retained earnings to average equity (ytd only) | -6.2417% | 6,306 |
| Net charge-offs to loans | 1.2882% | 234 |
| Credit loss provision to net charge-offs | 21.3292% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.2164% | 4,091 |
| Efficiency ratio | 92.2774% | 747 |
| Assets per employee ($millions) | 5.5275% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 5,226 |
| Loan loss allowance to noncurrent loans | 33.7266% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 6.5156% | 210 |
| Noncurrent loans to loans | 3.0455% | 939 |
| Net loans and leases to total assets | 74.7586% | 1,342 |
| Net loans and leases to deposits | 84.0768% | 2,032 |
| Net loans and leases to core deposits | 89.9463% | 2,134 |
| Total domestic deposits to total assets | 88.9170% | 1,405 |
| Equity capital to assets | 10.8325% | 3,050 |
| Core capital (leverage) ratio | 10.7554% | 2,667 |
| Tier 1 risk-based capital ratio | 13.4617% | 4,609 |
| Total risk-based capital ratio | 14.4337% | 4,730 |
| Memoranda: | ||
| Average total assets | $135,152,330 | 3,937 |
| Average earning assets | $120,463,330 | 3,995 |
| Average equity | $14,227,000 | 4,002 |
| Average total loans | $100,446,670 | 3,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7274% | 45 |
| Cost of funding earning assets | 0.5291% | 2,616 |
| Net interest margin | 7.1983% | 42 |
| Noninterest income to average assets | 0.6021% | 2,722 |
| Noninterest expense to average assets | 3.0748% | 2,604 |
| Loan and lease loss provision to assets | 0.1589% | 1,529 |
| Net operating income to assets | 3.5394% | 72 |
| Return on assets (ROA) | 3.5394% | 75 |
| Pretax return on assets | 3.7717% | 93 |
| Return on Equity (ROE) | 34.1681% | 49 |
| Retained earnings to average equity (ytd only) | 34.1681% | 29 |
| Net charge-offs to loans | -0.2656% | 6,452 |
| Credit loss provision to net charge-offs | -81.2500% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5428% | 6,510 |
| Assets per employee ($millions) | 4.6119% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,570 |
| Loan loss allowance to noncurrent loans | 27.8936% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 8.7917% | 139 |
| Noncurrent loans to loans | 5.8516% | 318 |
| Net loans and leases to total assets | 75.7923% | 1,025 |
| Net loans and leases to deposits | 84.5827% | 1,767 |
| Net loans and leases to core deposits | 90.6783% | 1,855 |
| Total domestic deposits to total assets | 89.6073% | 1,305 |
| Equity capital to assets | 10.2214% | 3,572 |
| Core capital (leverage) ratio | 10.7909% | 2,611 |
| Tier 1 risk-based capital ratio | 12.3327% | 5,417 |
| Total risk-based capital ratio | 13.5866% | 5,348 |
| Memoranda: | ||
| Average total assets | $130,870,500 | 4,051 |
| Average earning assets | $116,416,500 | 4,131 |
| Average equity | $13,556,500 | 4,142 |
| Average total loans | $96,392,500 | 3,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 185 |
| Cost of funding earning assets | 0.6529% | 2,182 |
| Net interest margin | 5.3049% | 184 |
| Noninterest income to average assets | 0.3374% | 4,904 |
| Noninterest expense to average assets | 3.9196% | 960 |
| Loan and lease loss provision to assets | 1.6249% | 78 |
| Net operating income to assets | 0.0060% | 6,203 |
| Return on assets (ROA) | 0.0092% | 6,239 |
| Pretax return on assets | -0.5850% | 6,506 |
| Return on Equity (ROE) | 0.1295% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.1295% | 5,796 |
| Net charge-offs to loans | 0.4498% | 1,470 |
| Credit loss provision to net charge-offs | 561.1594% | 419 |
| Earnings coverage of net charge-offs (x) | 3.5739% | 3,822 |
| Efficiency ratio | 78.5363% | 2,382 |
| Assets per employee ($millions) | 3.6289% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 1,816 |
| Loan loss allowance to noncurrent loans | 25.4945% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 8.9226% | 154 |
| Noncurrent loans to loans | 7.3914% | 218 |
| Net loans and leases to total assets | 68.5316% | 2,254 |
| Net loans and leases to deposits | 76.7270% | 2,893 |
| Net loans and leases to core deposits | 81.0616% | 3,000 |
| Total domestic deposits to total assets | 89.3187% | 1,424 |
| Equity capital to assets | 10.5127% | 3,140 |
| Core capital (leverage) ratio | 10.4827% | 2,939 |
| Tier 1 risk-based capital ratio | 13.9282% | 4,343 |
| Total risk-based capital ratio | 15.1848% | 4,276 |
| Memoranda: | ||
| Average total assets | $119,145,200 | 4,293 |
| Average earning assets | $103,695,800 | 4,417 |
| Average equity | $8,495,200 | 5,213 |
| Average total loans | $76,700,400 | 4,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 280 |
| Cost of funding earning assets | 0.6822% | 2,084 |
| Net interest margin | 5.0130% | 309 |
| Noninterest income to average assets | 0.2529% | 5,624 |
| Noninterest expense to average assets | 4.1212% | 748 |
| Loan and lease loss provision to assets | 2.1125% | 37 |
| Net operating income to assets | -0.7978% | 6,671 |
| Return on assets (ROA) | -0.7870% | 6,676 |
| Pretax return on assets | -1.6248% | 6,766 |
| Return on Equity (ROE) | -12.5987% | 6,714 |
| Retained earnings to average equity (ytd only) | -12.5987% | 6,677 |
| Net charge-offs to loans | 0.4969% | 1,294 |
| Credit loss provision to net charge-offs | 675.4513% | 428 |
| Earnings coverage of net charge-offs (x) | 1.5054% | 4,338 |
| Efficiency ratio | 89.1320% | 1,074 |
| Assets per employee ($millions) | 3.2496% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,225 |
| Loan loss allowance to noncurrent loans | 23.6174% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 8.7752% | 188 |
| Noncurrent loans to loans | 7.7238% | 241 |
| Net loans and leases to total assets | 70.9120% | 1,801 |
| Net loans and leases to deposits | 78.9749% | 2,536 |
| Net loans and leases to core deposits | 82.8602% | 2,782 |
| Total domestic deposits to total assets | 89.7906% | 1,113 |
| Equity capital to assets | 9.9325% | 4,002 |
| Core capital (leverage) ratio | 10.3442% | 3,178 |
| Tier 1 risk-based capital ratio | 12.7551% | 5,294 |
| Total risk-based capital ratio | 14.0112% | 5,223 |
| Memoranda: | ||
| Average total assets | $118,085,500 | 4,357 |
| Average earning assets | $102,212,500 | 4,496 |
| Average equity | $7,376,250 | 5,543 |
| Average total loans | $74,330,250 | 4,136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7497% | 256 |
| Cost of funding earning assets | 0.7247% | 1,888 |
| Net interest margin | 5.0250% | 302 |
| Noninterest income to average assets | -0.0396% | 6,834 |
| Noninterest expense to average assets | 4.2757% | 641 |
| Loan and lease loss provision to assets | 2.1963% | 44 |
| Net operating income to assets | -0.8145% | 6,718 |
| Return on assets (ROA) | -0.7980% | 6,723 |
| Pretax return on assets | -2.1688% | 6,860 |
| Return on Equity (ROE) | -16.1485% | 6,802 |
| Retained earnings to average equity (ytd only) | -16.1485% | 6,767 |
| Net charge-offs to loans | 0.7784% | 812 |
| Credit loss provision to net charge-offs | 472.9630% | 583 |
| Earnings coverage of net charge-offs (x) | 0.0037% | 4,554 |
| Efficiency ratio | 99.2762% | 515 |
| Assets per employee ($millions) | 2.8526% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,302 |
| Loan loss allowance to noncurrent loans | 12.5467% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 11.7526% | 110 |
| Noncurrent loans to loans | 12.4592% | 86 |
| Net loans and leases to total assets | 58.8655% | 3,846 |
| Net loans and leases to deposits | 64.3026% | 4,463 |
| Net loans and leases to core deposits | 67.6002% | 4,543 |
| Total domestic deposits to total assets | 91.5444% | 362 |
| Equity capital to assets | 8.0969% | 6,135 |
| Core capital (leverage) ratio | 7.8539% | 6,276 |
| Tier 1 risk-based capital ratio | 11.7887% | 5,923 |
| Total risk-based capital ratio | 13.0397% | 5,869 |
| Memoranda: | ||
| Average total assets | $116,286,000 | 4,437 |
| Average earning assets | $99,900,000 | 4,586 |
| Average equity | $5,746,670 | 5,986 |
| Average total loans | $69,376,330 | 4,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 203 |
| Cost of funding earning assets | 0.7277% | 2,006 |
| Net interest margin | 5.1564% | 209 |
| Noninterest income to average assets | 0.0808% | 6,640 |
| Noninterest expense to average assets | 4.5251% | 523 |
| Loan and lease loss provision to assets | 3.9561% | 16 |
| Net operating income to assets | -2.8954% | 6,960 |
| Return on assets (ROA) | -2.8585% | 6,960 |
| Pretax return on assets | -3.9124% | 6,981 |
| Return on Equity (ROE) | -82.5073% | 6,997 |
| Retained earnings to average equity (ytd only) | -82.5073% | 6,995 |
| Net charge-offs to loans | 1.4689% | 373 |
| Credit loss provision to net charge-offs | 451.9231% | 582 |
| Earnings coverage of net charge-offs (x) | -0.0077% | 3,829 |
| Efficiency ratio | 99.5529% | 565 |
| Assets per employee ($millions) | 2.8888% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,317 |
| Loan loss allowance to noncurrent loans | 11.4669% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 12.6013% | 120 |
| Noncurrent loans to loans | 12.0654% | 133 |
| Net loans and leases to total assets | 58.5399% | 3,691 |
| Net loans and leases to deposits | 64.8012% | 4,210 |
| Net loans and leases to core deposits | 69.2457% | 4,162 |
| Total domestic deposits to total assets | 90.3377% | 859 |
| Equity capital to assets | 3.2020% | 6,970 |
| Core capital (leverage) ratio | 2.9393% | 6,971 |
| Tier 1 risk-based capital ratio | 4.4138% | 6,968 |
| Total risk-based capital ratio | 5.6175% | 6,971 |
| Memoranda: | ||
| Average total assets | $118,803,000 | 4,421 |
| Average earning assets | $102,241,500 | 4,563 |
| Average equity | $4,116,000 | 6,487 |
| Average total loans | $70,800,000 | 4,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5463% | 7,055 |
| Cost of funding earning assets | 0.0790% | 7,017 |
| Net interest margin | 0.4674% | 7,052 |
| Noninterest income to average assets | 0.0947% | 6,529 |
| Noninterest expense to average assets | 0.3810% | 7,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2407% | 5,662 |
| Return on assets (ROA) | 0.2407% | 5,861 |
| Pretax return on assets | 0.1330% | 6,097 |
| Return on Equity (ROE) | 9.1614% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.1614% | 778 |
| Net charge-offs to loans | -0.0335% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5584% | 3,140 |
| Assets per employee ($millions) | 2.8385% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0466% | 6,999 |
| Loan loss allowance to noncurrent loans | 0.3748% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 12.2937% | 130 |
| Noncurrent loans to loans | 12.4248% | 138 |
| Net loans and leases to total assets | 59.7875% | 3,640 |
| Net loans and leases to deposits | 66.2680% | 4,243 |
| Net loans and leases to core deposits | 74.9995% | 3,660 |
| Total domestic deposits to total assets | 90.2207% | 838 |
| Equity capital to assets | 3.7131% | 7,014 |
| Core capital (leverage) ratio | 3.5874% | 7,011 |
| Tier 1 risk-based capital ratio | 5.1989% | 7,015 |
| Total risk-based capital ratio | 5.2398% | 7,039 |
| Memoranda: | ||
| Average total assets | $138,338,000 | 3,979 |
| Average earning assets | $124,099,200 | 4,014 |
| Average equity | $3,634,800 | 6,654 |
| Average total loans | $98,506,600 | 3,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 2,874 |
| Cost of funding earning assets | 0.7882% | 3,042 |
| Net interest margin | 3.8945% | 2,929 |
| Noninterest income to average assets | 0.5702% | 3,468 |
| Noninterest expense to average assets | 4.3985% | 602 |
| Loan and lease loss provision to assets | 3.3349% | 28 |
| Net operating income to assets | -3.6523% | 7,130 |
| Return on assets (ROA) | -3.5287% | 7,128 |
| Pretax return on assets | -3.5287% | 7,128 |
| Return on Equity (ROE) | -147.3453% | 7,171 |
| Retained earnings to average equity (ytd only) | -147.3453% | 7,171 |
| Net charge-offs to loans | 6.6562% | 19 |
| Credit loss provision to net charge-offs | 68.0290% | 3,957 |
| Earnings coverage of net charge-offs (x) | -0.0647% | 5,360 |
| Efficiency ratio | 107.7770% | 344 |
| Assets per employee ($millions) | 2.7675% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0520% | 65 |
| Loan loss allowance to noncurrent loans | 27.7693% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 19.8303% | 38 |
| Noncurrent loans to loans | 21.7938% | 30 |
| Net loans and leases to total assets | 64.4083% | 2,951 |
| Net loans and leases to deposits | 70.1868% | 3,871 |
| Net loans and leases to core deposits | 79.6339% | 3,252 |
| Total domestic deposits to total assets | 91.7670% | 238 |
| Equity capital to assets | 2.5278% | 7,150 |
| Core capital (leverage) ratio | 2.5524% | 7,145 |
| Tier 1 risk-based capital ratio | 3.4892% | 7,147 |
| Total risk-based capital ratio | 4.7872% | 7,147 |
| Memoranda: | ||
| Average total assets | $142,409,000 | 3,950 |
| Average earning assets | $128,382,250 | 3,973 |
| Average equity | $3,410,500 | 6,793 |
| Average total loans | $104,881,500 | 3,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 2,983 |
| Cost of funding earning assets | 0.8005% | 3,188 |
| Net interest margin | 3.8842% | 2,982 |
| Noninterest income to average assets | 0.5860% | 3,348 |
| Noninterest expense to average assets | 4.4871% | 558 |
| Loan and lease loss provision to assets | 3.9744% | 26 |
| Net operating income to assets | -4.3542% | 7,201 |
| Return on assets (ROA) | -4.1752% | 7,197 |
| Pretax return on assets | -4.1752% | 7,194 |
| Return on Equity (ROE) | -177.1679% | 7,231 |
| Retained earnings to average equity (ytd only) | -177.1679% | 7,231 |
| Net charge-offs to loans | 5.5549% | 46 |
| Credit loss provision to net charge-offs | 95.2536% | 2,895 |
| Earnings coverage of net charge-offs (x) | -0.0910% | 5,124 |
| Efficiency ratio | 109.2470% | 338 |
| Assets per employee ($millions) | 2.6328% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9888% | 50 |
| Loan loss allowance to noncurrent loans | 31.7987% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 19.6698% | 44 |
| Noncurrent loans to loans | 21.9784% | 31 |
| Net loans and leases to total assets | 67.4981% | 2,372 |
| Net loans and leases to deposits | 73.0601% | 3,446 |
| Net loans and leases to core deposits | 88.2234% | 2,182 |
| Total domestic deposits to total assets | 92.3871% | 172 |
| Equity capital to assets | 2.2000% | 7,215 |
| Core capital (leverage) ratio | 2.1555% | 7,212 |
| Tier 1 risk-based capital ratio | 2.9643% | 7,215 |
| Total risk-based capital ratio | 4.2831% | 7,215 |
| Memoranda: | ||
| Average total assets | $147,443,670 | 3,880 |
| Average earning assets | $133,668,670 | 3,892 |
| Average equity | $3,474,670 | 6,816 |
| Average total loans | $110,749,670 | 3,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 2,378 |
| Cost of funding earning assets | 0.8197% | 3,319 |
| Net interest margin | 4.0445% | 2,317 |
| Noninterest income to average assets | 0.4519% | 4,280 |
| Noninterest expense to average assets | 4.3706% | 616 |
| Loan and lease loss provision to assets | 6.1131% | 11 |
| Net operating income to assets | -6.3287% | 7,283 |
| Return on assets (ROA) | -5.9859% | 7,282 |
| Pretax return on assets | -5.9859% | 7,282 |
| Return on Equity (ROE) | -246.8541% | 7,292 |
| Retained earnings to average equity (ytd only) | -246.8541% | 7,290 |
| Net charge-offs to loans | 5.0560% | 90 |
| Credit loss provision to net charge-offs | 158.6253% | 1,600 |
| Earnings coverage of net charge-offs (x) | -0.0559% | 4,393 |
| Efficiency ratio | 105.1875% | 427 |
| Assets per employee ($millions) | 2.6110% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9972% | 52 |
| Loan loss allowance to noncurrent loans | 38.1235% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 16.5417% | 81 |
| Noncurrent loans to loans | 18.3540% | 67 |
| Net loans and leases to total assets | 72.4331% | 1,326 |
| Net loans and leases to deposits | 77.7090% | 2,571 |
| Net loans and leases to core deposits | 93.3266% | 1,519 |
| Total domestic deposits to total assets | 93.2106% | 129 |
| Equity capital to assets | 1.7708% | 7,290 |
| Core capital (leverage) ratio | 1.6817% | 7,291 |
| Tier 1 risk-based capital ratio | 2.4989% | 7,293 |
| Total risk-based capital ratio | 3.8342% | 7,290 |
| Memoranda: | ||
| Average total assets | $154,029,500 | 3,804 |
| Average earning assets | $141,032,500 | 3,793 |
| Average equity | $3,735,000 | 6,789 |
| Average total loans | $117,404,000 | 3,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1282% | 2,338 |
| Cost of funding earning assets | 1.2865% | 1,543 |
| Net interest margin | 3.8417% | 3,618 |
| Noninterest income to average assets | -0.3522% | 7,225 |
| Noninterest expense to average assets | 3.3089% | 2,495 |
| Loan and lease loss provision to assets | 7.7237% | 5 |
| Net operating income to assets | -7.8166% | 7,344 |
| Return on assets (ROA) | -7.8166% | 7,346 |
| Pretax return on assets | -7.8166% | 7,347 |
| Return on Equity (ROE) | -114.9477% | 7,322 |
| Retained earnings to average equity (ytd only) | -114.9477% | 7,322 |
| Net charge-offs to loans | 10.0019% | 7 |
| Credit loss provision to net charge-offs | 95.9659% | 3,759 |
| Earnings coverage of net charge-offs (x) | -0.0115% | 5,836 |
| Efficiency ratio | 102.8869% | 595 |
| Assets per employee ($millions) | 2.8354% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6570% | 114 |
| Loan loss allowance to noncurrent loans | 32.1605% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 15.2227% | 108 |
| Noncurrent loans to loans | 17.5898% | 78 |
| Net loans and leases to total assets | 70.5416% | 1,919 |
| Net loans and leases to deposits | 76.1701% | 3,154 |
| Net loans and leases to core deposits | 98.2594% | 1,309 |
| Total domestic deposits to total assets | 92.6106% | 166 |
| Equity capital to assets | 2.9960% | 7,277 |
| Core capital (leverage) ratio | 2.9702% | 7,270 |
| Tier 1 risk-based capital ratio | 3.9642% | 7,280 |
| Total risk-based capital ratio | 5.2685% | 7,280 |
| Memoranda: | ||
| Average total assets | $182,023,400 | 3,304 |
| Average earning assets | $169,066,600 | 3,264 |
| Average equity | $12,377,800 | 4,460 |
| Average total loans | $146,471,600 | 2,688 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 1,383 |
| Cost of funding earning assets | 1.3738% | 1,348 |
| Net interest margin | 4.0798% | 2,551 |
| Noninterest income to average assets | -0.0586% | 7,170 |
| Noninterest expense to average assets | 3.2936% | 2,518 |
| Loan and lease loss provision to assets | 9.1256% | 4 |
| Net operating income to assets | -8.6779% | 7,420 |
| Return on assets (ROA) | -8.6779% | 7,422 |
| Pretax return on assets | -8.6779% | 7,423 |
| Return on Equity (ROE) | -113.5980% | 7,390 |
| Retained earnings to average equity (ytd only) | -113.5980% | 7,390 |
| Net charge-offs to loans | 11.4716% | 9 |
| Credit loss provision to net charge-offs | 97.3375% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.0478% | 5,562 |
| Efficiency ratio | 88.0329% | 1,340 |
| Assets per employee ($millions) | 2.9418% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4273% | 138 |
| Loan loss allowance to noncurrent loans | 39.3290% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 12.3158% | 216 |
| Noncurrent loans to loans | 13.7998% | 169 |
| Net loans and leases to total assets | 72.2647% | 1,654 |
| Net loans and leases to deposits | 78.6998% | 2,859 |
| Net loans and leases to core deposits | 99.8623% | 1,255 |
| Total domestic deposits to total assets | 91.8233% | 235 |
| Equity capital to assets | 4.0457% | 7,321 |
| Core capital (leverage) ratio | 4.0839% | 7,296 |
| Tier 1 risk-based capital ratio | 5.3500% | 7,316 |
| Total risk-based capital ratio | 6.5835% | 7,317 |
| Memoranda: | ||
| Average total assets | $186,416,250 | 3,255 |
| Average earning assets | $173,631,250 | 3,187 |
| Average equity | $14,240,500 | 4,082 |
| Average total loans | $152,348,750 | 2,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 855 |
| Cost of funding earning assets | 1.4832% | 1,061 |
| Net interest margin | 4.2291% | 1,926 |
| Noninterest income to average assets | 0.0231% | 7,139 |
| Noninterest expense to average assets | 3.1893% | 2,942 |
| Loan and lease loss provision to assets | 5.7357% | 33 |
| Net operating income to assets | -4.9575% | 7,438 |
| Return on assets (ROA) | -4.9575% | 7,439 |
| Pretax return on assets | -4.9575% | 7,435 |
| Return on Equity (ROE) | -56.7921% | 7,360 |
| Retained earnings to average equity (ytd only) | -56.7921% | 7,357 |
| Net charge-offs to loans | 5.7122% | 96 |
| Credit loss provision to net charge-offs | 120.4891% | 2,533 |
| Earnings coverage of net charge-offs (x) | 0.1635% | 5,179 |
| Efficiency ratio | 80.3859% | 2,325 |
| Assets per employee ($millions) | 2.9235% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6283% | 133 |
| Loan loss allowance to noncurrent loans | 41.7504% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 12.9208% | 216 |
| Noncurrent loans to loans | 13.4809% | 183 |
| Net loans and leases to total assets | 79.7030% | 559 |
| Net loans and leases to deposits | 90.7324% | 1,192 |
| Net loans and leases to core deposits | 101.5293% | 1,209 |
| Total domestic deposits to total assets | 87.8440% | 2,249 |
| Equity capital to assets | 8.0900% | 6,605 |
| Core capital (leverage) ratio | 7.6774% | 6,609 |
| Tier 1 risk-based capital ratio | 10.0481% | 6,956 |
| Total risk-based capital ratio | 11.3624% | 6,935 |
| Memoranda: | ||
| Average total assets | $190,699,670 | 3,216 |
| Average earning assets | $177,862,330 | 3,164 |
| Average equity | $16,646,670 | 3,630 |
| Average total loans | $158,923,330 | 2,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9480% | 533 |
| Cost of funding earning assets | 1.5240% | 1,075 |
| Net interest margin | 4.4240% | 1,229 |
| Noninterest income to average assets | -0.3149% | 7,459 |
| Noninterest expense to average assets | 3.1592% | 3,030 |
| Loan and lease loss provision to assets | 6.3428% | 39 |
| Net operating income to assets | -5.6825% | 7,500 |
| Return on assets (ROA) | -5.6825% | 7,502 |
| Pretax return on assets | -5.6825% | 7,498 |
| Return on Equity (ROE) | -63.0079% | 7,448 |
| Retained earnings to average equity (ytd only) | -63.0079% | 7,439 |
| Net charge-offs to loans | 1.4815% | 914 |
| Credit loss provision to net charge-offs | 516.8874% | 698 |
| Earnings coverage of net charge-offs (x) | 0.5381% | 4,217 |
| Efficiency ratio | 82.7128% | 2,118 |
| Assets per employee ($millions) | 2.9685% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2335% | 89 |
| Loan loss allowance to noncurrent loans | 60.5596% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 9.4018% | 451 |
| Noncurrent loans to loans | 10.2932% | 382 |
| Net loans and leases to total assets | 79.6910% | 541 |
| Net loans and leases to deposits | 91.0732% | 1,113 |
| Net loans and leases to core deposits | 107.5138% | 866 |
| Total domestic deposits to total assets | 87.5022% | 2,657 |
| Equity capital to assets | 8.6102% | 5,762 |
| Core capital (leverage) ratio | 8.2451% | 5,912 |
| Tier 1 risk-based capital ratio | 10.7971% | 6,640 |
| Total risk-based capital ratio | 12.1199% | 6,574 |
| Memoranda: | ||
| Average total assets | $196,883,500 | 3,156 |
| Average earning assets | $183,994,500 | 3,090 |
| Average equity | $17,756,500 | 3,441 |
| Average total loans | $163,078,500 | 2,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6594% | 245 |
| Cost of funding earning assets | 1.7420% | 1,416 |
| Net interest margin | 4.9175% | 521 |
| Noninterest income to average assets | 0.5894% | 3,541 |
| Noninterest expense to average assets | 3.1277% | 3,356 |
| Loan and lease loss provision to assets | 3.4039% | 240 |
| Net operating income to assets | -1.4369% | 6,893 |
| Return on assets (ROA) | -1.4369% | 6,908 |
| Pretax return on assets | -1.4369% | 6,831 |
| Return on Equity (ROE) | -13.2110% | 6,850 |
| Retained earnings to average equity (ytd only) | -15.6698% | 6,905 |
| Net charge-offs to loans | 1.5664% | 1,396 |
| Credit loss provision to net charge-offs | 269.6456% | 1,026 |
| Earnings coverage of net charge-offs (x) | 1.5582% | 4,572 |
| Efficiency ratio | 61.3916% | 5,834 |
| Assets per employee ($millions) | 3.3407% | 5,331 |
| Cash dividends to net income (ytd only)* | -18.6125% | 7,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5825% | 259 |
| Loan loss allowance to noncurrent loans | 70.8838% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 6.4672% | 877 |
| Noncurrent loans to loans | 6.4648% | 930 |
| Net loans and leases to total assets | 77.1138% | 1,071 |
| Net loans and leases to deposits | 90.1577% | 1,504 |
| Net loans and leases to core deposits | 107.5415% | 1,087 |
| Total domestic deposits to total assets | 85.5321% | 3,584 |
| Equity capital to assets | 9.3998% | 4,549 |
| Core capital (leverage) ratio | 9.1424% | 4,281 |
| Tier 1 risk-based capital ratio | 12.0686% | 5,409 |
| Total risk-based capital ratio | 13.3677% | 5,349 |
| Memoranda: | ||
| Average total assets | $205,644,200 | 3,036 |
| Average earning assets | $188,409,000 | 3,026 |
| Average equity | $22,367,800 | 2,836 |
| Average total loans | $165,730,400 | 2,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8511% | 187 |
| Cost of funding earning assets | 1.7773% | 1,523 |
| Net interest margin | 5.0738% | 376 |
| Noninterest income to average assets | 0.7174% | 2,724 |
| Noninterest expense to average assets | 2.9627% | 3,876 |
| Loan and lease loss provision to assets | 1.6282% | 791 |
| Net operating income to assets | 0.7543% | 3,201 |
| Return on assets (ROA) | 0.7543% | 3,358 |
| Pretax return on assets | 0.7543% | 4,068 |
| Return on Equity (ROE) | 6.7094% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,960 |
| Net charge-offs to loans | 1.4571% | 1,392 |
| Credit loss provision to net charge-offs | 138.7541% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.0303% | 4,200 |
| Efficiency ratio | 55.4278% | 6,630 |
| Assets per employee ($millions) | 3.3600% | 5,300 |
| Cash dividends to net income (ytd only)* | 47.1701% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 1,562 |
| Loan loss allowance to noncurrent loans | 60.1313% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 4.5496% | 1,487 |
| Noncurrent loans to loans | 3.8957% | 1,944 |
| Net loans and leases to total assets | 78.2276% | 998 |
| Net loans and leases to deposits | 97.1304% | 873 |
| Net loans and leases to core deposits | 119.3784% | 635 |
| Total domestic deposits to total assets | 80.5387% | 5,531 |
| Equity capital to assets | 11.3563% | 2,654 |
| Core capital (leverage) ratio | 11.1967% | 2,133 |
| Tier 1 risk-based capital ratio | 14.3467% | 3,598 |
| Total risk-based capital ratio | 15.6165% | 3,552 |
| Memoranda: | ||
| Average total assets | $206,109,750 | 3,063 |
| Average earning assets | $187,995,250 | 3,072 |
| Average equity | $23,171,000 | 2,781 |
| Average total loans | $165,990,250 | 2,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7172% | 238 |
| Cost of funding earning assets | 1.8019% | 1,634 |
| Net interest margin | 4.9153% | 518 |
| Noninterest income to average assets | 0.6954% | 2,733 |
| Noninterest expense to average assets | 3.0393% | 3,556 |
| Loan and lease loss provision to assets | 1.0954% | 1,310 |
| Net operating income to assets | 1.0654% | 1,963 |
| Return on assets (ROA) | 1.0654% | 2,037 |
| Pretax return on assets | 1.0654% | 2,886 |
| Return on Equity (ROE) | 9.5090% | 2,270 |
| Retained earnings to average equity (ytd only) | 6.6995% | 1,976 |
| Net charge-offs to loans | 2.0841% | 868 |
| Credit loss provision to net charge-offs | 65.1498% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.2851% | 4,540 |
| Efficiency ratio | 58.4466% | 6,315 |
| Assets per employee ($millions) | 3.3900% | 5,216 |
| Cash dividends to net income (ytd only)* | 29.5455% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,801 |
| Loan loss allowance to noncurrent loans | 40.7188% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 4.5635% | 1,442 |
| Noncurrent loans to loans | 3.7424% | 2,080 |
| Net loans and leases to total assets | 80.6379% | 707 |
| Net loans and leases to deposits | 103.5644% | 507 |
| Net loans and leases to core deposits | 141.6218% | 272 |
| Total domestic deposits to total assets | 77.8625% | 6,301 |
| Equity capital to assets | 11.5218% | 2,427 |
| Core capital (leverage) ratio | 11.3742% | 1,993 |
| Tier 1 risk-based capital ratio | 14.2104% | 3,600 |
| Total risk-based capital ratio | 15.4698% | 3,559 |
| Memoranda: | ||
| Average total assets | $206,492,670 | 3,087 |
| Average earning assets | $189,244,670 | 3,071 |
| Average equity | $23,136,000 | 2,777 |
| Average total loans | $166,593,000 | 2,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8281% | 215 |
| Cost of funding earning assets | 1.8319% | 1,740 |
| Net interest margin | 4.9962% | 417 |
| Noninterest income to average assets | 0.8806% | 1,699 |
| Noninterest expense to average assets | 3.0494% | 3,482 |
| Loan and lease loss provision to assets | 1.1536% | 1,062 |
| Net operating income to assets | 1.2555% | 1,395 |
| Return on assets (ROA) | 1.2555% | 1,468 |
| Pretax return on assets | 1.2555% | 2,189 |
| Return on Equity (ROE) | 11.3632% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.3632% | 854 |
| Net charge-offs to loans | 0.6626% | 2,167 |
| Credit loss provision to net charge-offs | 217.3913% | 1,725 |
| Earnings coverage of net charge-offs (x) | 4.5399% | 2,610 |
| Efficiency ratio | 55.8647% | 6,785 |
| Assets per employee ($millions) | 3.4060% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 2,012 |
| Loan loss allowance to noncurrent loans | 105.9921% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 3.4635% | 2,039 |
| Noncurrent loans to loans | 1.9537% | 3,852 |
| Net loans and leases to total assets | 78.9161% | 991 |
| Net loans and leases to deposits | 105.1605% | 469 |
| Net loans and leases to core deposits | 145.2156% | 277 |
| Total domestic deposits to total assets | 75.0434% | 6,896 |
| Equity capital to assets | 11.2209% | 2,564 |
| Core capital (leverage) ratio | 11.1695% | 2,117 |
| Tier 1 risk-based capital ratio | 13.8604% | 3,760 |
| Total risk-based capital ratio | 15.1261% | 3,707 |
| Memoranda: | ||
| Average total assets | $208,040,500 | 3,119 |
| Average earning assets | $190,624,000 | 3,112 |
| Average equity | $22,986,500 | 2,822 |
| Average total loans | $166,613,000 | 2,665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2388% | 196 |
| Cost of funding earning assets | 2.3147% | 1,599 |
| Net interest margin | 4.9241% | 530 |
| Noninterest income to average assets | 0.9150% | 1,887 |
| Noninterest expense to average assets | 3.0297% | 4,027 |
| Loan and lease loss provision to assets | 1.4367% | 1,603 |
| Net operating income to assets | 0.9844% | 1,893 |
| Return on assets (ROA) | 0.9844% | 1,947 |
| Pretax return on assets | 0.9854% | 2,641 |
| Return on Equity (ROE) | 8.4678% | 2,210 |
| Retained earnings to average equity (ytd only) | 0.0442% | 4,882 |
| Net charge-offs to loans | 0.9125% | 2,565 |
| Credit loss provision to net charge-offs | 193.1583% | 2,056 |
| Earnings coverage of net charge-offs (x) | 3.2564% | 3,432 |
| Efficiency ratio | 55.5723% | 7,063 |
| Assets per employee ($millions) | 3.4150% | 5,224 |
| Cash dividends to net income (ytd only)* | 99.4778% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,268 |
| Loan loss allowance to noncurrent loans | 94.0173% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 3.3113% | 2,070 |
| Noncurrent loans to loans | 2.0163% | 3,628 |
| Net loans and leases to total assets | 78.0814% | 1,364 |
| Net loans and leases to deposits | 107.0133% | 503 |
| Net loans and leases to core deposits | 180.8736% | 159 |
| Total domestic deposits to total assets | 72.9642% | 7,157 |
| Equity capital to assets | 10.8777% | 2,794 |
| Core capital (leverage) ratio | 11.0568% | 2,196 |
| Tier 1 risk-based capital ratio | 13.5808% | 3,771 |
| Total risk-based capital ratio | 14.8442% | 3,704 |
| Memoranda: | ||
| Average total assets | $194,541,000 | 3,242 |
| Average earning assets | $179,242,400 | 3,222 |
| Average equity | $22,615,200 | 2,874 |
| Average total loans | $158,580,600 | 2,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2662% | 204 |
| Cost of funding earning assets | 2.4284% | 1,526 |
| Net interest margin | 4.8379% | 639 |
| Noninterest income to average assets | 0.8819% | 2,049 |
| Noninterest expense to average assets | 2.9673% | 4,175 |
| Loan and lease loss provision to assets | 1.8803% | 975 |
| Net operating income to assets | 0.4975% | 3,997 |
| Return on assets (ROA) | 0.4975% | 4,092 |
| Pretax return on assets | 0.4989% | 4,524 |
| Return on Equity (ROE) | 4.2056% | 4,300 |
| Retained earnings to average equity (ytd only) | -4.5537% | 6,196 |
| Net charge-offs to loans | 0.7637% | 2,448 |
| Credit loss provision to net charge-offs | 300.1114% | 1,366 |
| Earnings coverage of net charge-offs (x) | 3.7973% | 3,385 |
| Efficiency ratio | 55.5005% | 7,068 |
| Assets per employee ($millions) | 3.4484% | 5,055 |
| Cash dividends to net income (ytd only)* | 208.2755% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,435 |
| Loan loss allowance to noncurrent loans | 91.6560% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 3.6558% | 1,791 |
| Noncurrent loans to loans | 2.3935% | 3,150 |
| Net loans and leases to total assets | 80.0675% | 1,154 |
| Net loans and leases to deposits | 113.2161% | 357 |
| Net loans and leases to core deposits | 211.8798% | 83 |
| Total domestic deposits to total assets | 70.7210% | 7,355 |
| Equity capital to assets | 10.9385% | 3,073 |
| Core capital (leverage) ratio | 10.9845% | 2,415 |
| Tier 1 risk-based capital ratio | 13.3744% | 3,948 |
| Total risk-based capital ratio | 14.6417% | 3,867 |
| Memoranda: | ||
| Average total assets | $191,097,250 | 3,301 |
| Average earning assets | $176,354,500 | 3,285 |
| Average equity | $22,604,000 | 2,902 |
| Average total loans | $156,776,000 | 2,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1808% | 243 |
| Cost of funding earning assets | 2.5642% | 1,391 |
| Net interest margin | 4.6165% | 925 |
| Noninterest income to average assets | 0.8271% | 2,286 |
| Noninterest expense to average assets | 2.7694% | 5,093 |
| Loan and lease loss provision to assets | 0.8239% | 2,036 |
| Net operating income to assets | 1.4979% | 841 |
| Return on assets (ROA) | 1.4979% | 901 |
| Pretax return on assets | 1.5001% | 1,439 |
| Return on Equity (ROE) | 12.3348% | 1,328 |
| Retained earnings to average equity (ytd only) | 4.5435% | 2,766 |
| Net charge-offs to loans | 0.9323% | 1,851 |
| Credit loss provision to net charge-offs | 107.6389% | 4,287 |
| Earnings coverage of net charge-offs (x) | 3.0361% | 3,598 |
| Efficiency ratio | 54.3728% | 7,290 |
| Assets per employee ($millions) | 3.4722% | 4,887 |
| Cash dividends to net income (ytd only)* | 63.1654% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,154 |
| Loan loss allowance to noncurrent loans | 50.3128% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.7110% | 1,656 |
| Noncurrent loans to loans | 2.3226% | 3,114 |
| Net loans and leases to total assets | 81.9294% | 966 |
| Net loans and leases to deposits | 122.6122% | 193 |
| Net loans and leases to core deposits | 203.2145% | 112 |
| Total domestic deposits to total assets | 66.8199% | 7,691 |
| Equity capital to assets | 12.1321% | 2,129 |
| Core capital (leverage) ratio | 12.0958% | 1,792 |
| Tier 1 risk-based capital ratio | 14.6455% | 3,169 |
| Total risk-based capital ratio | 15.8149% | 3,147 |
| Memoranda: | ||
| Average total assets | $188,126,330 | 3,360 |
| Average earning assets | $173,853,670 | 3,348 |
| Average equity | $22,846,000 | 2,872 |
| Average total loans | $154,456,330 | 2,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9949% | 345 |
| Cost of funding earning assets | 2.7337% | 1,160 |
| Net interest margin | 4.2612% | 1,697 |
| Noninterest income to average assets | 0.9170% | 1,786 |
| Noninterest expense to average assets | 2.8559% | 4,318 |
| Loan and lease loss provision to assets | 0.8034% | 1,607 |
| Net operating income to assets | 1.2083% | 1,635 |
| Return on assets (ROA) | 1.2083% | 1,746 |
| Pretax return on assets | 1.2083% | 2,600 |
| Return on Equity (ROE) | 9.9451% | 2,339 |
| Retained earnings to average equity (ytd only) | 1.2167% | 5,154 |
| Net charge-offs to loans | 1.0700% | 1,272 |
| Credit loss provision to net charge-offs | 91.9118% | 3,965 |
| Earnings coverage of net charge-offs (x) | 2.3015% | 3,584 |
| Efficiency ratio | 58.6708% | 6,597 |
| Assets per employee ($millions) | 3.2687% | 5,406 |
| Cash dividends to net income (ytd only)* | 87.7660% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 5,188 |
| Loan loss allowance to noncurrent loans | 27.4626% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 4.1526% | 1,221 |
| Noncurrent loans to loans | 4.1493% | 1,438 |
| Net loans and leases to total assets | 82.0465% | 1,010 |
| Net loans and leases to deposits | 121.4149% | 260 |
| Net loans and leases to core deposits | 204.8689% | 131 |
| Total domestic deposits to total assets | 67.5753% | 7,625 |
| Equity capital to assets | 12.1939% | 2,143 |
| Core capital (leverage) ratio | 12.0260% | 1,891 |
| Tier 1 risk-based capital ratio | 14.7610% | 3,174 |
| Total risk-based capital ratio | 15.9058% | 3,157 |
| Memoranda: | ||
| Average total assets | $186,703,000 | 3,404 |
| Average earning assets | $173,098,500 | 3,371 |
| Average equity | $22,684,500 | 2,899 |
| Average total loans | $152,528,000 | 2,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7888% | 250 |
| Cost of funding earning assets | 3.3734% | 753 |
| Net interest margin | 4.4154% | 1,642 |
| Noninterest income to average assets | 1.0682% | 1,374 |
| Noninterest expense to average assets | 2.7074% | 5,236 |
| Loan and lease loss provision to assets | 0.7466% | 1,993 |
| Net operating income to assets | 1.7019% | 676 |
| Return on assets (ROA) | 1.7019% | 643 |
| Pretax return on assets | 1.7019% | 1,140 |
| Return on Equity (ROE) | 14.6430% | 986 |
| Retained earnings to average equity (ytd only) | 3.8103% | 2,762 |
| Net charge-offs to loans | 0.9966% | 1,244 |
| Credit loss provision to net charge-offs | 97.4079% | 5,463 |
| Earnings coverage of net charge-offs (x) | 3.1944% | 4,490 |
| Efficiency ratio | 52.5099% | 7,431 |
| Assets per employee ($millions) | 3.2257% | 5,410 |
| Cash dividends to net income (ytd only)* | 73.9785% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,586 |
| Loan loss allowance to noncurrent loans | 35.6930% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 3.2188% | 1,418 |
| Noncurrent loans to loans | 3.3431% | 1,545 |
| Net loans and leases to total assets | 79.4448% | 1,790 |
| Net loans and leases to deposits | 118.3986% | 432 |
| Net loans and leases to core deposits | 168.4601% | 431 |
| Total domestic deposits to total assets | 67.0994% | 7,563 |
| Equity capital to assets | 12.1064% | 2,229 |
| Core capital (leverage) ratio | 11.8389% | 2,062 |
| Tier 1 risk-based capital ratio | 15.0187% | 3,038 |
| Total risk-based capital ratio | 16.2089% | 2,980 |
| Memoranda: | ||
| Average total assets | $191,256,200 | 3,255 |
| Average earning assets | $177,063,000 | 3,226 |
| Average equity | $22,229,000 | 2,947 |
| Average total loans | $147,105,000 | 2,977 |