Home > Delta Trust & Bank > Performance and Condition Ratios
Delta Trust & Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 1,758 |
| Cost of funding earning assets | 0.4957% | 2,805 |
| Net interest margin | 4.0375% | 1,759 |
| Noninterest income to average assets | 1.7222% | 440 |
| Noninterest expense to average assets | 4.5127% | 456 |
| Loan and lease loss provision to assets | 0.1157% | 2,120 |
| Net operating income to assets | 0.5284% | 4,763 |
| Return on assets (ROA) | 0.4996% | 4,942 |
| Pretax return on assets | 0.7178% | 4,644 |
| Return on Equity (ROE) | 4.5174% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.5174% | 3,436 |
| Net charge-offs to loans | 0.0569% | 3,403 |
| Credit loss provision to net charge-offs | 274.4526% | 978 |
| Earnings coverage of net charge-offs (x) | 20.7448% | 1,710 |
| Efficiency ratio | 83.6085% | 1,433 |
| Assets per employee ($millions) | 3.8845% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 1,212 |
| Noncurrent loans to loans | 2.5839% | 1,114 |
| Net loans and leases to total assets | 71.4134% | 1,946 |
| Net loans and leases to deposits | 90.1475% | 1,412 |
| Net loans and leases to core deposits | 102.0609% | 1,210 |
| Total domestic deposits to total assets | 79.2184% | 5,278 |
| Equity capital to assets | 15.1195% | 714 |
| Core capital (leverage) ratio | 7.7465% | 6,197 |
| Tier 1 risk-based capital ratio | 9.9118% | 6,364 |
| Total risk-based capital ratio | 9.9118% | 6,498 |
| Memoranda: | ||
| Average total assets | $433,164,750 | 1,547 |
| Average earning assets | $393,240,000 | 1,562 |
| Average equity | $47,903,000 | 1,509 |
| Average total loans | $320,830,750 | 1,368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 2,090 |
| Cost of funding earning assets | 0.4892% | 2,934 |
| Net interest margin | 3.9345% | 2,030 |
| Noninterest income to average assets | 1.7973% | 412 |
| Noninterest expense to average assets | 3.7385% | 1,070 |
| Loan and lease loss provision to assets | 0.1688% | 1,452 |
| Net operating income to assets | 1.0211% | 2,241 |
| Return on assets (ROA) | 1.0214% | 2,310 |
| Pretax return on assets | 1.5647% | 1,350 |
| Return on Equity (ROE) | 10.5331% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.5331% | 610 |
| Net charge-offs to loans | 0.0839% | 2,848 |
| Credit loss provision to net charge-offs | 268.3824% | 939 |
| Earnings coverage of net charge-offs (x) | 27.5588% | 1,336 |
| Efficiency ratio | 68.1738% | 3,972 |
| Assets per employee ($millions) | 3.3241% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 1,714 |
| Loan loss allowance to noncurrent loans | 75.0782% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 1,011 |
| Noncurrent loans to loans | 2.4590% | 1,273 |
| Net loans and leases to total assets | 75.5353% | 1,227 |
| Net loans and leases to deposits | 87.3490% | 1,670 |
| Net loans and leases to core deposits | 102.8625% | 1,089 |
| Total domestic deposits to total assets | 86.4753% | 2,775 |
| Equity capital to assets | 10.2519% | 3,757 |
| Core capital (leverage) ratio | 9.7482% | 3,966 |
| Tier 1 risk-based capital ratio | 13.1370% | 4,828 |
| Total risk-based capital ratio | 14.3945% | 4,755 |
| Memoranda: | ||
| Average total assets | $432,530,330 | 1,549 |
| Average earning assets | $403,913,330 | 1,516 |
| Average equity | $41,944,000 | 1,708 |
| Average total loans | $324,208,670 | 1,341 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,463 |
| Cost of funding earning assets | 0.4872% | 3,037 |
| Net interest margin | 3.8296% | 2,345 |
| Noninterest income to average assets | 1.7573% | 412 |
| Noninterest expense to average assets | 3.6289% | 1,253 |
| Loan and lease loss provision to assets | 0.2285% | 970 |
| Net operating income to assets | 0.9717% | 2,317 |
| Return on assets (ROA) | 0.9723% | 2,378 |
| Pretax return on assets | 1.4850% | 1,472 |
| Return on Equity (ROE) | 10.3111% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.3111% | 891 |
| Net charge-offs to loans | -0.0111% | 5,090 |
| Credit loss provision to net charge-offs | -2,777.7778% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7844% | 4,214 |
| Assets per employee ($millions) | 3.4422% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 1,939 |
| Loan loss allowance to noncurrent loans | 98.7064% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 1,585 |
| Noncurrent loans to loans | 1.8604% | 2,050 |
| Net loans and leases to total assets | 72.5668% | 1,483 |
| Net loans and leases to deposits | 82.9152% | 1,958 |
| Net loans and leases to core deposits | 96.7951% | 1,322 |
| Total domestic deposits to total assets | 87.5193% | 2,499 |
| Equity capital to assets | 9.4445% | 4,572 |
| Core capital (leverage) ratio | 9.4180% | 4,396 |
| Tier 1 risk-based capital ratio | 12.6681% | 5,211 |
| Total risk-based capital ratio | 13.9257% | 5,138 |
| Memoranda: | ||
| Average total assets | $437,712,000 | 1,540 |
| Average earning assets | $409,650,500 | 1,506 |
| Average equity | $41,276,000 | 1,732 |
| Average total loans | $323,871,500 | 1,348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 1,718 |
| Cost of funding earning assets | 0.5612% | 3,008 |
| Net interest margin | 4.0877% | 1,681 |
| Noninterest income to average assets | 1.5101% | 620 |
| Noninterest expense to average assets | 3.5900% | 1,465 |
| Loan and lease loss provision to assets | 0.2210% | 1,651 |
| Net operating income to assets | 0.9987% | 2,326 |
| Return on assets (ROA) | 1.0007% | 2,387 |
| Pretax return on assets | 1.5017% | 1,445 |
| Return on Equity (ROE) | 10.8793% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.0109% | 1,054 |
| Net charge-offs to loans | 0.1442% | 3,360 |
| Credit loss provision to net charge-offs | 213.0045% | 1,080 |
| Earnings coverage of net charge-offs (x) | 16.5717% | 1,793 |
| Efficiency ratio | 67.5329% | 4,283 |
| Assets per employee ($millions) | 3.3183% | 5,248 |
| Cash dividends to net income (ytd only)* | 26.3660% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,054 |
| Loan loss allowance to noncurrent loans | 96.2623% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 2,072 |
| Noncurrent loans to loans | 1.8758% | 2,141 |
| Net loans and leases to total assets | 72.7242% | 1,554 |
| Net loans and leases to deposits | 83.2708% | 2,025 |
| Net loans and leases to core deposits | 97.2244% | 1,369 |
| Total domestic deposits to total assets | 87.3345% | 2,559 |
| Equity capital to assets | 9.4149% | 4,532 |
| Core capital (leverage) ratio | 9.5076% | 4,250 |
| Tier 1 risk-based capital ratio | 12.4274% | 5,335 |
| Total risk-based capital ratio | 13.6840% | 5,273 |
| Memoranda: | ||
| Average total assets | $429,779,000 | 1,541 |
| Average earning assets | $399,489,000 | 1,510 |
| Average equity | $39,533,800 | 1,769 |
| Average total loans | $309,375,800 | 1,372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,591 |
| Cost of funding earning assets | 0.5779% | 3,015 |
| Net interest margin | 4.1246% | 1,553 |
| Noninterest income to average assets | 1.3681% | 775 |
| Noninterest expense to average assets | 3.5446% | 1,512 |
| Loan and lease loss provision to assets | 0.2447% | 1,467 |
| Net operating income to assets | 0.9259% | 2,709 |
| Return on assets (ROA) | 0.9281% | 2,808 |
| Pretax return on assets | 1.4073% | 1,908 |
| Return on Equity (ROE) | 10.1499% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.1499% | 757 |
| Net charge-offs to loans | 0.1951% | 2,674 |
| Credit loss provision to net charge-offs | 175.5011% | 1,370 |
| Earnings coverage of net charge-offs (x) | 11.8241% | 2,198 |
| Efficiency ratio | 68.2193% | 4,055 |
| Assets per employee ($millions) | 3.7063% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 2,296 |
| Loan loss allowance to noncurrent loans | 93.3067% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 2,028 |
| Noncurrent loans to loans | 1.9325% | 2,325 |
| Net loans and leases to total assets | 72.2315% | 1,565 |
| Net loans and leases to deposits | 82.7779% | 2,034 |
| Net loans and leases to core deposits | 95.2769% | 1,447 |
| Total domestic deposits to total assets | 87.2594% | 2,528 |
| Equity capital to assets | 9.5601% | 4,475 |
| Core capital (leverage) ratio | 9.5420% | 4,345 |
| Tier 1 risk-based capital ratio | 12.6528% | 5,358 |
| Total risk-based capital ratio | 13.9084% | 5,297 |
| Memoranda: | ||
| Average total assets | $429,379,250 | 1,551 |
| Average earning assets | $398,182,750 | 1,531 |
| Average equity | $39,263,750 | 1,793 |
| Average total loans | $306,848,500 | 1,381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,507 |
| Cost of funding earning assets | 0.5908% | 3,028 |
| Net interest margin | 4.1326% | 1,456 |
| Noninterest income to average assets | 1.2991% | 919 |
| Noninterest expense to average assets | 3.4670% | 1,683 |
| Loan and lease loss provision to assets | 0.3002% | 1,203 |
| Net operating income to assets | 0.8972% | 2,814 |
| Return on assets (ROA) | 0.8993% | 2,945 |
| Pretax return on assets | 1.3626% | 2,074 |
| Return on Equity (ROE) | 9.9827% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.9827% | 844 |
| Net charge-offs to loans | 0.2808% | 2,076 |
| Credit loss provision to net charge-offs | 151.0490% | 1,527 |
| Earnings coverage of net charge-offs (x) | 8.3497% | 2,410 |
| Efficiency ratio | 67.6277% | 4,244 |
| Assets per employee ($millions) | 3.5703% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,636 |
| Loan loss allowance to noncurrent loans | 91.1418% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 2,200 |
| Noncurrent loans to loans | 1.9057% | 2,499 |
| Net loans and leases to total assets | 73.6425% | 1,308 |
| Net loans and leases to deposits | 84.1841% | 1,777 |
| Net loans and leases to core deposits | 95.1574% | 1,428 |
| Total domestic deposits to total assets | 87.4779% | 2,552 |
| Equity capital to assets | 9.3865% | 4,740 |
| Core capital (leverage) ratio | 9.2642% | 4,605 |
| Tier 1 risk-based capital ratio | 12.1855% | 5,686 |
| Total risk-based capital ratio | 13.4411% | 5,631 |
| Memoranda: | ||
| Average total assets | $431,667,330 | 1,545 |
| Average earning assets | $399,800,000 | 1,525 |
| Average equity | $38,887,330 | 1,802 |
| Average total loans | $305,533,670 | 1,381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,221 |
| Cost of funding earning assets | 0.6055% | 3,062 |
| Net interest margin | 3.8792% | 2,184 |
| Noninterest income to average assets | 1.4778% | 710 |
| Noninterest expense to average assets | 3.2945% | 2,097 |
| Loan and lease loss provision to assets | 0.2500% | 1,440 |
| Net operating income to assets | 0.9807% | 2,315 |
| Return on assets (ROA) | 0.9843% | 2,420 |
| Pretax return on assets | 1.5053% | 1,541 |
| Return on Equity (ROE) | 11.1519% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.1519% | 841 |
| Net charge-offs to loans | 0.0120% | 3,900 |
| Credit loss provision to net charge-offs | 3,033.3333% | 91 |
| Earnings coverage of net charge-offs (x) | 212.3333% | 190 |
| Efficiency ratio | 65.3113% | 4,778 |
| Assets per employee ($millions) | 3.8419% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,633 |
| Loan loss allowance to noncurrent loans | 68.5300% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.5678% | 1,786 |
| Noncurrent loans to loans | 2.6226% | 1,961 |
| Net loans and leases to total assets | 68.3758% | 1,943 |
| Net loans and leases to deposits | 77.5261% | 2,415 |
| Net loans and leases to core deposits | 91.2366% | 1,587 |
| Total domestic deposits to total assets | 88.1971% | 2,197 |
| Equity capital to assets | 8.8472% | 5,670 |
| Core capital (leverage) ratio | 8.8945% | 5,065 |
| Tier 1 risk-based capital ratio | 11.9660% | 5,939 |
| Total risk-based capital ratio | 13.2220% | 5,899 |
| Memoranda: | ||
| Average total assets | $436,853,500 | 1,539 |
| Average earning assets | $401,629,500 | 1,523 |
| Average equity | $38,558,500 | 1,845 |
| Average total loans | $300,432,500 | 1,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 818 |
| Cost of funding earning assets | 0.7634% | 2,980 |
| Net interest margin | 4.5928% | 795 |
| Noninterest income to average assets | 1.3790% | 824 |
| Noninterest expense to average assets | 3.6256% | 1,550 |
| Loan and lease loss provision to assets | 0.3315% | 2,051 |
| Net operating income to assets | 1.0833% | 1,996 |
| Return on assets (ROA) | 1.0852% | 2,178 |
| Pretax return on assets | 1.6946% | 1,148 |
| Return on Equity (ROE) | 11.9672% | 1,521 |
| Retained earnings to average equity (ytd only) | 9.0918% | 795 |
| Net charge-offs to loans | 0.3639% | 2,811 |
| Credit loss provision to net charge-offs | 125.4699% | 2,255 |
| Earnings coverage of net charge-offs (x) | 7.6570% | 2,556 |
| Efficiency ratio | 64.1843% | 4,845 |
| Assets per employee ($millions) | 3.6600% | 4,653 |
| Cash dividends to net income (ytd only)* | 24.0275% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 2,597 |
| Loan loss allowance to noncurrent loans | 78.4533% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3777% | 2,062 |
| Noncurrent loans to loans | 2.2886% | 2,366 |
| Net loans and leases to total assets | 66.6779% | 2,425 |
| Net loans and leases to deposits | 75.5704% | 2,871 |
| Net loans and leases to core deposits | 90.7504% | 1,746 |
| Total domestic deposits to total assets | 88.2327% | 2,076 |
| Equity capital to assets | 8.8051% | 5,743 |
| Core capital (leverage) ratio | 8.7982% | 5,184 |
| Tier 1 risk-based capital ratio | 12.0819% | 5,733 |
| Total risk-based capital ratio | 13.3375% | 5,691 |
| Memoranda: | ||
| Average total assets | $402,692,000 | 1,631 |
| Average earning assets | $374,368,400 | 1,599 |
| Average equity | $36,516,600 | 1,900 |
| Average total loans | $292,357,800 | 1,435 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 790 |
| Cost of funding earning assets | 0.7983% | 2,958 |
| Net interest margin | 4.6277% | 777 |
| Noninterest income to average assets | 1.4476% | 717 |
| Noninterest expense to average assets | 3.7406% | 1,302 |
| Loan and lease loss provision to assets | 0.3291% | 1,995 |
| Net operating income to assets | 1.0674% | 2,231 |
| Return on assets (ROA) | 1.0689% | 2,429 |
| Pretax return on assets | 1.6749% | 1,343 |
| Return on Equity (ROE) | 11.6954% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.6954% | 582 |
| Net charge-offs to loans | 0.1191% | 4,181 |
| Credit loss provision to net charge-offs | 373.9464% | 723 |
| Earnings coverage of net charge-offs (x) | 22.7434% | 1,345 |
| Efficiency ratio | 65.1418% | 4,603 |
| Assets per employee ($millions) | 3.4479% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,476 |
| Loan loss allowance to noncurrent loans | 65.1415% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 3.1367% | 1,653 |
| Noncurrent loans to loans | 2.9158% | 1,913 |
| Net loans and leases to total assets | 71.8638% | 1,575 |
| Net loans and leases to deposits | 82.0259% | 2,115 |
| Net loans and leases to core deposits | 100.7548% | 1,067 |
| Total domestic deposits to total assets | 87.6110% | 2,288 |
| Equity capital to assets | 9.2415% | 5,550 |
| Core capital (leverage) ratio | 9.1105% | 4,899 |
| Tier 1 risk-based capital ratio | 12.0411% | 5,916 |
| Total risk-based capital ratio | 13.2985% | 5,898 |
| Memoranda: | ||
| Average total assets | $395,394,000 | 1,677 |
| Average earning assets | $366,942,000 | 1,646 |
| Average equity | $36,138,750 | 1,936 |
| Average total loans | $292,138,250 | 1,452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 832 |
| Cost of funding earning assets | 0.8231% | 3,004 |
| Net interest margin | 4.5987% | 832 |
| Noninterest income to average assets | 1.4717% | 672 |
| Noninterest expense to average assets | 3.8348% | 1,161 |
| Loan and lease loss provision to assets | 0.4656% | 1,371 |
| Net operating income to assets | 0.9365% | 2,735 |
| Return on assets (ROA) | 0.9385% | 2,980 |
| Pretax return on assets | 1.4646% | 1,972 |
| Return on Equity (ROE) | 10.3079% | 2,233 |
| Retained earnings to average equity (ytd only) | 10.3079% | 887 |
| Net charge-offs to loans | 0.1638% | 3,625 |
| Credit loss provision to net charge-offs | 383.5443% | 778 |
| Earnings coverage of net charge-offs (x) | 15.8734% | 1,621 |
| Efficiency ratio | 66.5541% | 4,412 |
| Assets per employee ($millions) | 3.3138% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 2,516 |
| Loan loss allowance to noncurrent loans | 67.1486% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.2915% | 1,648 |
| Noncurrent loans to loans | 2.8469% | 2,104 |
| Net loans and leases to total assets | 73.7241% | 1,290 |
| Net loans and leases to deposits | 84.2543% | 1,824 |
| Net loans and leases to core deposits | 99.7119% | 1,119 |
| Total domestic deposits to total assets | 87.5018% | 2,470 |
| Equity capital to assets | 9.2685% | 5,363 |
| Core capital (leverage) ratio | 8.9069% | 5,034 |
| Tier 1 risk-based capital ratio | 11.7963% | 6,058 |
| Total risk-based capital ratio | 13.0540% | 6,030 |
| Memoranda: | ||
| Average total assets | $390,425,330 | 1,695 |
| Average earning assets | $364,233,330 | 1,662 |
| Average equity | $35,545,670 | 1,947 |
| Average total loans | $289,329,000 | 1,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 1,002 |
| Cost of funding earning assets | 0.8448% | 3,106 |
| Net interest margin | 4.5081% | 999 |
| Noninterest income to average assets | 1.5281% | 623 |
| Noninterest expense to average assets | 3.9324% | 1,016 |
| Loan and lease loss provision to assets | 0.3182% | 1,968 |
| Net operating income to assets | 0.9539% | 2,666 |
| Return on assets (ROA) | 0.9566% | 2,863 |
| Pretax return on assets | 1.4961% | 1,877 |
| Return on Equity (ROE) | 10.6040% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.6040% | 1,140 |
| Net charge-offs to loans | 0.3345% | 2,317 |
| Credit loss provision to net charge-offs | 129.2887% | 1,877 |
| Earnings coverage of net charge-offs (x) | 7.3556% | 2,088 |
| Efficiency ratio | 68.4777% | 4,076 |
| Assets per employee ($millions) | 3.2395% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 3,094 |
| Loan loss allowance to noncurrent loans | 60.4152% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.2954% | 1,750 |
| Noncurrent loans to loans | 2.9293% | 2,206 |
| Net loans and leases to total assets | 71.1209% | 1,551 |
| Net loans and leases to deposits | 81.0697% | 2,047 |
| Net loans and leases to core deposits | 98.6488% | 1,078 |
| Total domestic deposits to total assets | 87.7281% | 2,508 |
| Equity capital to assets | 8.9813% | 5,526 |
| Core capital (leverage) ratio | 8.9189% | 4,970 |
| Tier 1 risk-based capital ratio | 11.7905% | 6,093 |
| Total risk-based capital ratio | 13.0464% | 6,070 |
| Memoranda: | ||
| Average total assets | $388,465,000 | 1,710 |
| Average earning assets | $363,171,000 | 1,672 |
| Average equity | $35,043,500 | 1,975 |
| Average total loans | $285,796,500 | 1,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 1,583 |
| Cost of funding earning assets | 1.1021% | 2,661 |
| Net interest margin | 4.2404% | 1,923 |
| Noninterest income to average assets | 1.3820% | 669 |
| Noninterest expense to average assets | 3.5721% | 1,797 |
| Loan and lease loss provision to assets | 0.2868% | 3,365 |
| Net operating income to assets | 0.9711% | 2,318 |
| Return on assets (ROA) | 0.9788% | 2,423 |
| Pretax return on assets | 1.5268% | 1,402 |
| Return on Equity (ROE) | 11.2536% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.7407% | 871 |
| Net charge-offs to loans | 0.1528% | 4,916 |
| Credit loss provision to net charge-offs | 273.7374% | 873 |
| Earnings coverage of net charge-offs (x) | 17.1944% | 1,286 |
| Efficiency ratio | 66.4730% | 4,671 |
| Assets per employee ($millions) | 3.2348% | 5,646 |
| Cash dividends to net income (ytd only)* | 22.3304% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 3,033 |
| Loan loss allowance to noncurrent loans | 96.5957% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 2.4925% | 2,439 |
| Noncurrent loans to loans | 1.8112% | 3,452 |
| Net loans and leases to total assets | 73.4723% | 1,362 |
| Net loans and leases to deposits | 81.8159% | 2,224 |
| Net loans and leases to core deposits | 103.3563% | 940 |
| Total domestic deposits to total assets | 89.8019% | 1,096 |
| Equity capital to assets | 9.0621% | 5,477 |
| Core capital (leverage) ratio | 8.8682% | 4,996 |
| Tier 1 risk-based capital ratio | 11.8646% | 5,924 |
| Total risk-based capital ratio | 13.1207% | 5,902 |
| Memoranda: | ||
| Average total assets | $377,925,600 | 1,720 |
| Average earning assets | $355,766,600 | 1,662 |
| Average equity | $32,869,400 | 2,029 |
| Average total loans | $259,233,800 | 1,626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 1,775 |
| Cost of funding earning assets | 1.1590% | 2,576 |
| Net interest margin | 4.1647% | 2,227 |
| Noninterest income to average assets | 1.4713% | 605 |
| Noninterest expense to average assets | 3.6164% | 1,673 |
| Loan and lease loss provision to assets | 0.2822% | 3,265 |
| Net operating income to assets | 0.9535% | 2,516 |
| Return on assets (ROA) | 0.9666% | 2,618 |
| Pretax return on assets | 1.5166% | 1,604 |
| Return on Equity (ROE) | 11.2331% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.2331% | 593 |
| Net charge-offs to loans | 0.0127% | 5,972 |
| Credit loss provision to net charge-offs | 3,325.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 209.4947% | 186 |
| Efficiency ratio | 67.0360% | 4,512 |
| Assets per employee ($millions) | 3.2436% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8722% | 2,711 |
| Loan loss allowance to noncurrent loans | 127.7345% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 2.1799% | 2,923 |
| Noncurrent loans to loans | 1.4657% | 4,098 |
| Net loans and leases to total assets | 68.9830% | 2,280 |
| Net loans and leases to deposits | 76.1738% | 3,302 |
| Net loans and leases to core deposits | 94.4185% | 1,753 |
| Total domestic deposits to total assets | 90.5600% | 604 |
| Equity capital to assets | 8.9436% | 5,815 |
| Core capital (leverage) ratio | 8.8055% | 5,258 |
| Tier 1 risk-based capital ratio | 12.1554% | 5,774 |
| Total risk-based capital ratio | 13.4128% | 5,762 |
| Memoranda: | ||
| Average total assets | $376,979,500 | 1,729 |
| Average earning assets | $355,138,500 | 1,672 |
| Average equity | $32,439,000 | 2,049 |
| Average total loans | $252,681,000 | 1,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 2,028 |
| Cost of funding earning assets | 1.2086% | 2,520 |
| Net interest margin | 4.0512% | 2,606 |
| Noninterest income to average assets | 1.4290% | 621 |
| Noninterest expense to average assets | 3.6494% | 1,626 |
| Loan and lease loss provision to assets | 0.1658% | 4,277 |
| Net operating income to assets | 0.9114% | 2,592 |
| Return on assets (ROA) | 0.9193% | 2,656 |
| Pretax return on assets | 1.4391% | 1,696 |
| Return on Equity (ROE) | 10.8301% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.8301% | 694 |
| Net charge-offs to loans | 0.0170% | 5,602 |
| Credit loss provision to net charge-offs | 1,476.1905% | 241 |
| Earnings coverage of net charge-offs (x) | 141.8095% | 252 |
| Efficiency ratio | 69.6184% | 4,182 |
| Assets per employee ($millions) | 3.1495% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,909 |
| Loan loss allowance to noncurrent loans | 115.1629% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.4565% | 2,710 |
| Noncurrent loans to loans | 1.5833% | 4,021 |
| Net loans and leases to total assets | 67.1422% | 2,797 |
| Net loans and leases to deposits | 74.2111% | 3,772 |
| Net loans and leases to core deposits | 88.0191% | 2,646 |
| Total domestic deposits to total assets | 90.4747% | 724 |
| Equity capital to assets | 9.0198% | 5,554 |
| Core capital (leverage) ratio | 8.6596% | 5,281 |
| Tier 1 risk-based capital ratio | 12.4427% | 5,402 |
| Total risk-based capital ratio | 13.6990% | 5,375 |
| Memoranda: | ||
| Average total assets | $373,977,670 | 1,750 |
| Average earning assets | $351,990,670 | 1,699 |
| Average equity | $31,745,000 | 2,080 |
| Average total loans | $246,460,000 | 1,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 2,826 |
| Cost of funding earning assets | 1.2729% | 2,346 |
| Net interest margin | 3.7824% | 3,694 |
| Noninterest income to average assets | 1.4547% | 604 |
| Noninterest expense to average assets | 3.5655% | 1,839 |
| Loan and lease loss provision to assets | 0.1518% | 4,125 |
| Net operating income to assets | 0.8357% | 2,852 |
| Return on assets (ROA) | 0.8378% | 2,902 |
| Pretax return on assets | 1.2996% | 2,045 |
| Return on Equity (ROE) | 10.1810% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.1810% | 1,085 |
| Net charge-offs to loans | -0.0066% | 6,281 |
| Credit loss provision to net charge-offs | -3,575.0000% | 6,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1139% | 4,031 |
| Assets per employee ($millions) | 3.2295% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,867 |
| Loan loss allowance to noncurrent loans | 109.1422% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 2.5462% | 2,682 |
| Noncurrent loans to loans | 1.6903% | 3,953 |
| Net loans and leases to total assets | 62.1713% | 3,817 |
| Net loans and leases to deposits | 68.1765% | 4,654 |
| Net loans and leases to core deposits | 84.5112% | 3,100 |
| Total domestic deposits to total assets | 91.1916% | 534 |
| Equity capital to assets | 8.2675% | 6,201 |
| Core capital (leverage) ratio | 8.3124% | 5,787 |
| Tier 1 risk-based capital ratio | 12.2692% | 5,462 |
| Total risk-based capital ratio | 13.5252% | 5,456 |
| Memoranda: | ||
| Average total assets | $376,721,000 | 1,745 |
| Average earning assets | $354,479,500 | 1,697 |
| Average equity | $30,999,000 | 2,113 |
| Average total loans | $243,686,000 | 1,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 1,600 |
| Cost of funding earning assets | 1.3574% | 3,522 |
| Net interest margin | 4.3344% | 1,699 |
| Noninterest income to average assets | 1.6013% | 565 |
| Noninterest expense to average assets | 3.8128% | 1,462 |
| Loan and lease loss provision to assets | 0.4404% | 3,477 |
| Net operating income to assets | 0.8556% | 2,564 |
| Return on assets (ROA) | 0.8769% | 2,616 |
| Pretax return on assets | 1.3897% | 1,689 |
| Return on Equity (ROE) | 9.7827% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.5817% | 1,124 |
| Net charge-offs to loans | 0.1211% | 5,679 |
| Credit loss provision to net charge-offs | 534.9091% | 423 |
| Earnings coverage of net charge-offs (x) | 21.8255% | 950 |
| Efficiency ratio | 67.9688% | 4,572 |
| Assets per employee ($millions) | 3.2379% | 5,570 |
| Cash dividends to net income (ytd only)* | 22.4991% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 3,027 |
| Loan loss allowance to noncurrent loans | 214.4422% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 3,129 |
| Noncurrent loans to loans | 0.8163% | 5,419 |
| Net loans and leases to total assets | 64.9074% | 3,684 |
| Net loans and leases to deposits | 70.9986% | 4,682 |
| Net loans and leases to core deposits | 91.3848% | 2,566 |
| Total domestic deposits to total assets | 91.4207% | 422 |
| Equity capital to assets | 8.1888% | 6,273 |
| Core capital (leverage) ratio | 8.3330% | 5,638 |
| Tier 1 risk-based capital ratio | 11.8581% | 5,609 |
| Total risk-based capital ratio | 13.1130% | 5,592 |
| Memoranda: | ||
| Average total assets | $334,036,000 | 1,947 |
| Average earning assets | $308,898,400 | 1,926 |
| Average equity | $29,940,600 | 2,179 |
| Average total loans | $227,023,000 | 1,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 1,656 |
| Cost of funding earning assets | 1.3722% | 3,761 |
| Net interest margin | 4.3449% | 1,695 |
| Noninterest income to average assets | 1.6487% | 517 |
| Noninterest expense to average assets | 3.9672% | 1,086 |
| Loan and lease loss provision to assets | 0.4364% | 3,292 |
| Net operating income to assets | 0.7781% | 3,096 |
| Return on assets (ROA) | 0.8071% | 3,117 |
| Pretax return on assets | 1.2887% | 2,204 |
| Return on Equity (ROE) | 8.7864% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.7864% | 1,123 |
| Net charge-offs to loans | 0.0690% | 5,824 |
| Credit loss provision to net charge-offs | 923.4783% | 316 |
| Earnings coverage of net charge-offs (x) | 35.5477% | 763 |
| Efficiency ratio | 70.2518% | 4,011 |
| Assets per employee ($millions) | 3.0053% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,035 |
| Loan loss allowance to noncurrent loans | 156.5805% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5395% | 2,824 |
| Noncurrent loans to loans | 1.1084% | 5,030 |
| Net loans and leases to total assets | 65.8891% | 3,715 |
| Net loans and leases to deposits | 72.6807% | 4,741 |
| Net loans and leases to core deposits | 92.0258% | 2,791 |
| Total domestic deposits to total assets | 90.6556% | 569 |
| Equity capital to assets | 8.9669% | 5,626 |
| Core capital (leverage) ratio | 8.7984% | 5,012 |
| Tier 1 risk-based capital ratio | 12.2355% | 5,235 |
| Total risk-based capital ratio | 13.4904% | 5,195 |
| Memoranda: | ||
| Average total assets | $324,454,750 | 2,031 |
| Average earning assets | $298,580,750 | 2,016 |
| Average equity | $29,802,750 | 2,212 |
| Average total loans | $222,279,750 | 1,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6173% | 2,072 |
| Cost of funding earning assets | 1.3607% | 4,116 |
| Net interest margin | 4.2566% | 1,933 |
| Noninterest income to average assets | 1.6530% | 468 |
| Noninterest expense to average assets | 3.9880% | 1,063 |
| Loan and lease loss provision to assets | 0.4608% | 3,014 |
| Net operating income to assets | 0.6900% | 3,445 |
| Return on assets (ROA) | 0.7042% | 3,541 |
| Pretax return on assets | 1.1239% | 2,696 |
| Return on Equity (ROE) | 7.5997% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.5997% | 1,598 |
| Net charge-offs to loans | 0.2811% | 3,934 |
| Credit loss provision to net charge-offs | 237.4593% | 1,622 |
| Earnings coverage of net charge-offs (x) | 8.0521% | 2,197 |
| Efficiency ratio | 71.8483% | 3,840 |
| Assets per employee ($millions) | 3.0108% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,873 |
| Loan loss allowance to noncurrent loans | 115.9934% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 2.8020% | 2,579 |
| Noncurrent loans to loans | 1.3011% | 4,777 |
| Net loans and leases to total assets | 67.7529% | 3,439 |
| Net loans and leases to deposits | 74.6654% | 4,574 |
| Net loans and leases to core deposits | 94.2430% | 2,675 |
| Total domestic deposits to total assets | 90.7421% | 584 |
| Equity capital to assets | 8.8793% | 5,631 |
| Core capital (leverage) ratio | 8.9844% | 4,626 |
| Tier 1 risk-based capital ratio | 11.8869% | 5,413 |
| Total risk-based capital ratio | 13.1392% | 5,385 |
| Memoranda: | ||
| Average total assets | $316,401,000 | 2,104 |
| Average earning assets | $289,711,670 | 2,091 |
| Average equity | $29,317,000 | 2,236 |
| Average total loans | $218,454,000 | 2,040 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4261% | 2,917 |
| Cost of funding earning assets | 1.3655% | 4,390 |
| Net interest margin | 4.0605% | 2,611 |
| Noninterest income to average assets | 1.7170% | 434 |
| Noninterest expense to average assets | 3.9804% | 1,059 |
| Loan and lease loss provision to assets | 0.2706% | 3,863 |
| Net operating income to assets | 0.7214% | 3,346 |
| Return on assets (ROA) | 0.7265% | 3,437 |
| Pretax return on assets | 1.1652% | 2,492 |
| Return on Equity (ROE) | 7.6617% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.6617% | 1,856 |
| Net charge-offs to loans | 0.0779% | 4,640 |
| Credit loss provision to net charge-offs | 502.4390% | 828 |
| Earnings coverage of net charge-offs (x) | 26.5122% | 954 |
| Efficiency ratio | 73.5973% | 3,642 |
| Assets per employee ($millions) | 2.8331% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,825 |
| Loan loss allowance to noncurrent loans | 121.6568% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 3.2658% | 2,196 |
| Noncurrent loans to loans | 1.2468% | 4,892 |
| Net loans and leases to total assets | 67.6180% | 3,481 |
| Net loans and leases to deposits | 74.9212% | 4,600 |
| Net loans and leases to core deposits | 98.9783% | 2,238 |
| Total domestic deposits to total assets | 90.2522% | 857 |
| Equity capital to assets | 9.3484% | 4,762 |
| Core capital (leverage) ratio | 9.5762% | 3,674 |
| Tier 1 risk-based capital ratio | 12.4201% | 4,821 |
| Total risk-based capital ratio | 13.6723% | 4,764 |
| Memoranda: | ||
| Average total assets | $304,493,000 | 2,224 |
| Average earning assets | $276,812,500 | 2,228 |
| Average equity | $28,871,000 | 2,298 |
| Average total loans | $210,661,500 | 2,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1501% | 1,374 |
| Cost of funding earning assets | 1.7231% | 4,394 |
| Net interest margin | 4.4270% | 1,356 |
| Noninterest income to average assets | 1.5911% | 567 |
| Noninterest expense to average assets | 4.3609% | 918 |
| Loan and lease loss provision to assets | 0.8986% | 2,505 |
| Net operating income to assets | 0.2128% | 4,861 |
| Return on assets (ROA) | 0.2115% | 4,927 |
| Pretax return on assets | 0.3250% | 4,700 |
| Return on Equity (ROE) | 2.3177% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.3177% | 3,497 |
| Net charge-offs to loans | 0.6490% | 3,244 |
| Credit loss provision to net charge-offs | 188.8084% | 2,129 |
| Earnings coverage of net charge-offs (x) | 2.5749% | 3,829 |
| Efficiency ratio | 78.0628% | 3,183 |
| Assets per employee ($millions) | 2.7525% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,646 |
| Loan loss allowance to noncurrent loans | 220.7239% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 3.3686% | 2,022 |
| Noncurrent loans to loans | 0.6859% | 5,867 |
| Net loans and leases to total assets | 68.6889% | 3,552 |
| Net loans and leases to deposits | 76.2840% | 4,688 |
| Net loans and leases to core deposits | 115.2885% | 2,387 |
| Total domestic deposits to total assets | 90.0436% | 938 |
| Equity capital to assets | 9.6240% | 4,241 |
| Core capital (leverage) ratio | 9.8556% | 3,264 |
| Tier 1 risk-based capital ratio | 12.6763% | 4,382 |
| Total risk-based capital ratio | 13.9283% | 4,314 |
| Memoranda: | ||
| Average total assets | $260,957,000 | 2,506 |
| Average earning assets | $235,507,800 | 2,549 |
| Average equity | $23,817,000 | 2,753 |
| Average total loans | $191,376,200 | 2,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1712% | 1,440 |
| Cost of funding earning assets | 1.8142% | 4,317 |
| Net interest margin | 4.3570% | 1,573 |
| Noninterest income to average assets | 1.6397% | 546 |
| Noninterest expense to average assets | 4.3757% | 836 |
| Loan and lease loss provision to assets | 0.8552% | 2,239 |
| Net operating income to assets | 0.1998% | 5,159 |
| Return on assets (ROA) | 0.2143% | 5,190 |
| Pretax return on assets | 0.3643% | 4,896 |
| Return on Equity (ROE) | 2.3862% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.3862% | 3,988 |
| Net charge-offs to loans | 0.5465% | 3,051 |
| Credit loss provision to net charge-offs | 210.3896% | 2,091 |
| Earnings coverage of net charge-offs (x) | 2.9442% | 3,757 |
| Efficiency ratio | 78.5241% | 3,075 |
| Assets per employee ($millions) | 2.4636% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,926 |
| Loan loss allowance to noncurrent loans | 162.4218% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 3.5885% | 1,838 |
| Noncurrent loans to loans | 0.8636% | 5,564 |
| Net loans and leases to total assets | 73.4381% | 2,678 |
| Net loans and leases to deposits | 81.7875% | 4,064 |
| Net loans and leases to core deposits | 119.8495% | 2,258 |
| Total domestic deposits to total assets | 89.7914% | 849 |
| Equity capital to assets | 9.8038% | 4,347 |
| Core capital (leverage) ratio | 9.9066% | 3,389 |
| Tier 1 risk-based capital ratio | 12.3090% | 4,699 |
| Total risk-based capital ratio | 13.5601% | 4,640 |
| Memoranda: | ||
| Average total assets | $252,567,500 | 2,598 |
| Average earning assets | $227,979,250 | 2,627 |
| Average equity | $22,685,250 | 2,887 |
| Average total loans | $187,868,000 | 2,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2095% | 1,421 |
| Cost of funding earning assets | 1.9008% | 4,264 |
| Net interest margin | 4.3087% | 1,637 |
| Noninterest income to average assets | 1.6457% | 545 |
| Noninterest expense to average assets | 4.3020% | 943 |
| Loan and lease loss provision to assets | 0.9283% | 1,818 |
| Net operating income to assets | 0.1978% | 5,269 |
| Return on assets (ROA) | 0.2125% | 5,299 |
| Pretax return on assets | 0.3192% | 5,165 |
| Return on Equity (ROE) | 2.4495% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.4495% | 3,972 |
| Net charge-offs to loans | 0.7273% | 2,232 |
| Credit loss provision to net charge-offs | 171.6867% | 2,675 |
| Earnings coverage of net charge-offs (x) | 2.2666% | 3,936 |
| Efficiency ratio | 77.8285% | 3,375 |
| Assets per employee ($millions) | 2.1558% | 7,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 3,982 |
| Loan loss allowance to noncurrent loans | 74.6318% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 4.0986% | 1,425 |
| Noncurrent loans to loans | 1.8075% | 3,794 |
| Net loans and leases to total assets | 73.2446% | 2,899 |
| Net loans and leases to deposits | 80.6142% | 4,455 |
| Net loans and leases to core deposits | 110.9011% | 3,270 |
| Total domestic deposits to total assets | 90.8582% | 506 |
| Equity capital to assets | 8.7005% | 5,750 |
| Core capital (leverage) ratio | 8.8264% | 4,900 |
| Tier 1 risk-based capital ratio | 10.7867% | 6,100 |
| Total risk-based capital ratio | 12.0244% | 6,042 |
| Memoranda: | ||
| Average total assets | $245,604,670 | 2,688 |
| Average earning assets | $221,275,000 | 2,731 |
| Average equity | $21,310,670 | 3,060 |
| Average total loans | $182,598,000 | 2,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4295% | 996 |
| Cost of funding earning assets | 1.9625% | 4,321 |
| Net interest margin | 4.4669% | 1,198 |
| Noninterest income to average assets | 1.5823% | 549 |
| Noninterest expense to average assets | 4.1628% | 987 |
| Loan and lease loss provision to assets | 0.3191% | 3,422 |
| Net operating income to assets | 0.7072% | 3,519 |
| Return on assets (ROA) | 0.7020% | 3,739 |
| Pretax return on assets | 1.1258% | 2,887 |
| Return on Equity (ROE) | 8.1016% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.1016% | 1,773 |
| Net charge-offs to loans | 0.2837% | 2,978 |
| Credit loss provision to net charge-offs | 151.1628% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.8837% | 2,426 |
| Efficiency ratio | 74.1259% | 3,806 |
| Assets per employee ($millions) | 2.3437% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,186 |
| Loan loss allowance to noncurrent loans | 55.3390% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.9067% | 1,335 |
| Noncurrent loans to loans | 2.0594% | 3,182 |
| Net loans and leases to total assets | 73.0735% | 2,993 |
| Net loans and leases to deposits | 80.3705% | 4,553 |
| Net loans and leases to core deposits | 112.8002% | 3,134 |
| Total domestic deposits to total assets | 90.9207% | 439 |
| Equity capital to assets | 8.6924% | 5,779 |
| Core capital (leverage) ratio | 8.6027% | 5,336 |
| Tier 1 risk-based capital ratio | 10.7826% | 6,112 |
| Total risk-based capital ratio | 11.8510% | 6,210 |
| Memoranda: | ||
| Average total assets | $244,449,000 | 2,717 |
| Average earning assets | $220,734,000 | 2,754 |
| Average equity | $21,181,000 | 3,093 |
| Average total loans | $181,863,000 | 2,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6792% | 2,111 |
| Cost of funding earning assets | 2.5477% | 3,966 |
| Net interest margin | 4.1316% | 2,577 |
| Noninterest income to average assets | 1.7508% | 444 |
| Noninterest expense to average assets | 4.2362% | 1,112 |
| Loan and lease loss provision to assets | 0.5904% | 2,463 |
| Net operating income to assets | 0.4056% | 5,130 |
| Return on assets (ROA) | 0.3670% | 5,085 |
| Pretax return on assets | 0.5900% | 4,722 |
| Return on Equity (ROE) | 4.0839% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.1737% | 3,172 |
| Net charge-offs to loans | 0.7148% | 1,730 |
| Credit loss provision to net charge-offs | 107.5710% | 4,987 |
| Earnings coverage of net charge-offs (x) | 2.2603% | 4,949 |
| Efficiency ratio | 77.3492% | 3,026 |
| Assets per employee ($millions) | 2.2693% | 7,607 |
| Cash dividends to net income (ytd only)* | 22.2877% | 4,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,248 |
| Loan loss allowance to noncurrent loans | 41.7951% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 4.3314% | 898 |
| Noncurrent loans to loans | 2.6410% | 2,054 |
| Net loans and leases to total assets | 74.0583% | 3,088 |
| Net loans and leases to deposits | 81.4565% | 4,802 |
| Net loans and leases to core deposits | 114.6701% | 3,266 |
| Total domestic deposits to total assets | 90.9176% | 354 |
| Equity capital to assets | 8.6368% | 5,885 |
| Core capital (leverage) ratio | 8.5435% | 5,490 |
| Tier 1 risk-based capital ratio | 10.5855% | 6,122 |
| Total risk-based capital ratio | 11.6230% | 6,218 |
| Memoranda: | ||
| Average total assets | $231,033,000 | 2,753 |
| Average earning assets | $208,346,800 | 2,798 |
| Average equity | $20,764,400 | 3,124 |
| Average total loans | $177,390,800 | 2,531 |