Home > Douglas County Bank > Performance and Condition Ratios
Douglas County Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 5,819 |
| Cost of funding earning assets | 0.1666% | 6,001 |
| Net interest margin | 3.0482% | 5,321 |
| Noninterest income to average assets | 0.8977% | 1,510 |
| Noninterest expense to average assets | 3.1360% | 2,401 |
| Loan and lease loss provision to assets | 0.0651% | 3,200 |
| Net operating income to assets | 0.5801% | 4,457 |
| Return on assets (ROA) | 1.0985% | 2,037 |
| Pretax return on assets | 1.1342% | 2,951 |
| Return on Equity (ROE) | 9.4904% | 2,347 |
| Retained earnings to average equity (ytd only) | 2.4483% | 4,487 |
| Net charge-offs to loans | 0.1100% | 2,944 |
| Credit loss provision to net charge-offs | 115.2047% | 2,075 |
| Earnings coverage of net charge-offs (x) | 11.7602% | 2,455 |
| Efficiency ratio | 82.5054% | 1,601 |
| Assets per employee ($millions) | 4.4597% | 3,098 |
| Cash dividends to net income (ytd only)* | 74.2023% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 3,518 |
| Loan loss allowance to noncurrent loans | 1,004.0000% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 5,732 |
| Noncurrent loans to loans | 0.1279% | 5,384 |
| Net loans and leases to total assets | 57.6939% | 4,089 |
| Net loans and leases to deposits | 74.3128% | 3,397 |
| Net loans and leases to core deposits | 76.6460% | 3,645 |
| Total domestic deposits to total assets | 77.6366% | 5,501 |
| Equity capital to assets | 10.6049% | 3,354 |
| Core capital (leverage) ratio | 11.7111% | 1,817 |
| Tier 1 risk-based capital ratio | 15.5155% | 3,223 |
| Total risk-based capital ratio | 16.6301% | 3,230 |
| Memoranda: | ||
| Average total assets | $302,425,800 | 2,150 |
| Average earning assets | $288,034,600 | 2,075 |
| Average equity | $35,003,800 | 1,996 |
| Average total loans | $155,429,400 | 2,489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 5,796 |
| Cost of funding earning assets | 0.1699% | 6,062 |
| Net interest margin | 3.1070% | 5,238 |
| Noninterest income to average assets | 0.9112% | 1,493 |
| Noninterest expense to average assets | 3.2394% | 2,056 |
| Loan and lease loss provision to assets | 0.0453% | 3,488 |
| Net operating income to assets | 0.5579% | 4,642 |
| Return on assets (ROA) | 0.5579% | 4,717 |
| Pretax return on assets | 0.5828% | 5,078 |
| Return on Equity (ROE) | 4.7084% | 4,854 |
| Retained earnings to average equity (ytd only) | 2.5912% | 4,741 |
| Net charge-offs to loans | 0.1320% | 2,475 |
| Credit loss provision to net charge-offs | 69.4444% | 2,773 |
| Earnings coverage of net charge-offs (x) | 9.6317% | 2,642 |
| Efficiency ratio | 83.7588% | 1,419 |
| Assets per employee ($millions) | 3.9526% | 3,977 |
| Cash dividends to net income (ytd only)* | 44.9675% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 2,075 |
| Loan loss allowance to noncurrent loans | 782.0513% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,745 |
| Noncurrent loans to loans | 0.2133% | 5,264 |
| Net loans and leases to total assets | 48.5130% | 5,150 |
| Net loans and leases to deposits | 55.1875% | 5,296 |
| Net loans and leases to core deposits | 56.9121% | 5,398 |
| Total domestic deposits to total assets | 87.9059% | 1,812 |
| Equity capital to assets | 11.9126% | 2,135 |
| Core capital (leverage) ratio | 11.8110% | 1,825 |
| Tier 1 risk-based capital ratio | 19.6542% | 1,744 |
| Total risk-based capital ratio | 20.9060% | 1,713 |
| Memoranda: | ||
| Average total assets | $294,412,500 | 2,199 |
| Average earning assets | $280,131,250 | 2,139 |
| Average equity | $34,887,000 | 2,009 |
| Average total loans | $145,415,750 | 2,645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 5,856 |
| Cost of funding earning assets | 0.1718% | 6,125 |
| Net interest margin | 3.0886% | 5,291 |
| Noninterest income to average assets | 0.8960% | 1,505 |
| Noninterest expense to average assets | 3.2505% | 2,050 |
| Loan and lease loss provision to assets | 0.0429% | 3,457 |
| Net operating income to assets | 0.5175% | 4,735 |
| Return on assets (ROA) | 0.5175% | 4,832 |
| Pretax return on assets | 0.5406% | 5,157 |
| Return on Equity (ROE) | 4.3748% | 4,986 |
| Retained earnings to average equity (ytd only) | 2.4867% | 4,624 |
| Net charge-offs to loans | 0.0276% | 3,641 |
| Credit loss provision to net charge-offs | 315.0000% | 822 |
| Earnings coverage of net charge-offs (x) | 42.8500% | 1,009 |
| Efficiency ratio | 84.7807% | 1,414 |
| Assets per employee ($millions) | 3.9384% | 3,977 |
| Cash dividends to net income (ytd only)* | 43.1579% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,056 |
| Loan loss allowance to noncurrent loans | 567.8652% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 5,701 |
| Noncurrent loans to loans | 0.3038% | 5,102 |
| Net loans and leases to total assets | 48.7274% | 5,114 |
| Net loans and leases to deposits | 55.4077% | 5,245 |
| Net loans and leases to core deposits | 57.3544% | 5,314 |
| Total domestic deposits to total assets | 87.9434% | 1,931 |
| Equity capital to assets | 11.8724% | 2,084 |
| Core capital (leverage) ratio | 11.7957% | 1,790 |
| Tier 1 risk-based capital ratio | 19.9632% | 1,694 |
| Total risk-based capital ratio | 21.2160% | 1,665 |
| Memoranda: | ||
| Average total assets | $293,736,000 | 2,200 |
| Average earning assets | $279,414,670 | 2,144 |
| Average equity | $34,744,670 | 2,007 |
| Average total loans | $145,136,670 | 2,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 5,999 |
| Cost of funding earning assets | 0.1696% | 6,232 |
| Net interest margin | 3.0327% | 5,438 |
| Noninterest income to average assets | 0.9081% | 1,364 |
| Noninterest expense to average assets | 3.2856% | 1,979 |
| Loan and lease loss provision to assets | 0.0615% | 2,886 |
| Net operating income to assets | 0.4233% | 5,029 |
| Return on assets (ROA) | 0.4233% | 5,093 |
| Pretax return on assets | 0.4425% | 5,331 |
| Return on Equity (ROE) | 3.5856% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.5730% | 4,982 |
| Net charge-offs to loans | 0.0526% | 2,648 |
| Credit loss provision to net charge-offs | 236.8421% | 933 |
| Earnings coverage of net charge-offs (x) | 19.4211% | 1,376 |
| Efficiency ratio | 86.7027% | 1,374 |
| Assets per employee ($millions) | 3.9846% | 3,976 |
| Cash dividends to net income (ytd only)* | 56.1290% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,217 |
| Loan loss allowance to noncurrent loans | 562.7803% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 5,784 |
| Noncurrent loans to loans | 0.3095% | 5,178 |
| Net loans and leases to total assets | 48.0245% | 5,126 |
| Net loans and leases to deposits | 54.5442% | 5,230 |
| Net loans and leases to core deposits | 56.3126% | 5,335 |
| Total domestic deposits to total assets | 88.0470% | 2,212 |
| Equity capital to assets | 11.7559% | 2,048 |
| Core capital (leverage) ratio | 11.8305% | 1,745 |
| Tier 1 risk-based capital ratio | 20.8791% | 1,493 |
| Total risk-based capital ratio | 22.1325% | 1,470 |
| Memoranda: | ||
| Average total assets | $292,913,000 | 2,215 |
| Average earning assets | $278,297,000 | 2,161 |
| Average equity | $34,582,500 | 2,006 |
| Average total loans | $144,475,500 | 2,672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 5,930 |
| Cost of funding earning assets | 0.2011% | 6,288 |
| Net interest margin | 3.1397% | 5,196 |
| Noninterest income to average assets | 0.8699% | 1,787 |
| Noninterest expense to average assets | 3.2788% | 2,196 |
| Loan and lease loss provision to assets | 0.0172% | 4,787 |
| Net operating income to assets | 0.5278% | 4,604 |
| Return on assets (ROA) | 0.5288% | 4,726 |
| Pretax return on assets | 0.5522% | 5,041 |
| Return on Equity (ROE) | 4.4245% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.3320% | 4,587 |
| Net charge-offs to loans | 0.0458% | 4,578 |
| Credit loss provision to net charge-offs | 80.6452% | 3,029 |
| Earnings coverage of net charge-offs (x) | 26.5806% | 1,291 |
| Efficiency ratio | 85.2250% | 1,499 |
| Assets per employee ($millions) | 3.7303% | 4,411 |
| Cash dividends to net income (ytd only)* | 47.2929% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,354 |
| Loan loss allowance to noncurrent loans | 585.8491% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,885 |
| Noncurrent loans to loans | 0.2927% | 5,305 |
| Net loans and leases to total assets | 48.9239% | 5,204 |
| Net loans and leases to deposits | 55.6135% | 5,336 |
| Net loans and leases to core deposits | 57.2851% | 5,442 |
| Total domestic deposits to total assets | 87.9713% | 2,194 |
| Equity capital to assets | 11.8576% | 1,901 |
| Core capital (leverage) ratio | 11.9983% | 1,609 |
| Tier 1 risk-based capital ratio | 20.5571% | 1,524 |
| Total risk-based capital ratio | 21.8099% | 1,501 |
| Memoranda: | ||
| Average total assets | $289,923,400 | 2,211 |
| Average earning assets | $274,934,400 | 2,144 |
| Average equity | $34,648,000 | 1,988 |
| Average total loans | $135,437,400 | 2,768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3750% | 5,935 |
| Cost of funding earning assets | 0.2097% | 6,359 |
| Net interest margin | 3.1653% | 5,098 |
| Noninterest income to average assets | 0.8723% | 1,851 |
| Noninterest expense to average assets | 3.2837% | 2,110 |
| Loan and lease loss provision to assets | 0.0207% | 4,583 |
| Net operating income to assets | 0.5450% | 4,603 |
| Return on assets (ROA) | 0.5464% | 4,740 |
| Pretax return on assets | 0.5708% | 5,131 |
| Return on Equity (ROE) | 4.5629% | 4,952 |
| Retained earnings to average equity (ytd only) | 2.4025% | 4,894 |
| Net charge-offs to loans | 0.0551% | 4,121 |
| Credit loss provision to net charge-offs | 81.8182% | 2,796 |
| Earnings coverage of net charge-offs (x) | 23.3096% | 1,468 |
| Efficiency ratio | 84.7671% | 1,504 |
| Assets per employee ($millions) | 3.7326% | 4,388 |
| Cash dividends to net income (ytd only)* | 47.3459% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 2,160 |
| Loan loss allowance to noncurrent loans | 1,603.8710% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 6,289 |
| Noncurrent loans to loans | 0.1150% | 5,984 |
| Net loans and leases to total assets | 46.6189% | 5,481 |
| Net loans and leases to deposits | 53.1785% | 5,616 |
| Net loans and leases to core deposits | 54.8729% | 5,707 |
| Total domestic deposits to total assets | 87.6649% | 2,314 |
| Equity capital to assets | 12.1384% | 1,838 |
| Core capital (leverage) ratio | 11.9437% | 1,706 |
| Tier 1 risk-based capital ratio | 20.4246% | 1,617 |
| Total risk-based capital ratio | 21.6778% | 1,591 |
| Memoranda: | ||
| Average total assets | $289,663,750 | 2,219 |
| Average earning assets | $274,680,000 | 2,155 |
| Average equity | $34,684,750 | 2,006 |
| Average total loans | $133,088,250 | 2,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 5,961 |
| Cost of funding earning assets | 0.2133% | 6,414 |
| Net interest margin | 3.1611% | 5,083 |
| Noninterest income to average assets | 0.8503% | 1,999 |
| Noninterest expense to average assets | 3.2325% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5897% | 4,344 |
| Return on assets (ROA) | 0.5897% | 4,525 |
| Pretax return on assets | 0.6158% | 4,968 |
| Return on Equity (ROE) | 4.9470% | 4,756 |
| Retained earnings to average equity (ytd only) | 2.9567% | 4,434 |
| Net charge-offs to loans | 0.0377% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 35.9200% | 1,004 |
| Efficiency ratio | 83.9986% | 1,636 |
| Assets per employee ($millions) | 3.7017% | 4,398 |
| Cash dividends to net income (ytd only)* | 40.2326% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 2,170 |
| Loan loss allowance to noncurrent loans | 3,801.5385% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,471 |
| Noncurrent loans to loans | 0.0495% | 6,241 |
| Net loans and leases to total assets | 44.6616% | 5,675 |
| Net loans and leases to deposits | 50.7819% | 5,786 |
| Net loans and leases to core deposits | 53.8186% | 5,768 |
| Total domestic deposits to total assets | 87.9479% | 2,281 |
| Equity capital to assets | 11.8824% | 1,987 |
| Core capital (leverage) ratio | 11.6791% | 1,815 |
| Tier 1 risk-based capital ratio | 20.6672% | 1,577 |
| Total risk-based capital ratio | 21.9205% | 1,543 |
| Memoranda: | ||
| Average total assets | $291,658,670 | 2,213 |
| Average earning assets | $276,610,330 | 2,148 |
| Average equity | $34,768,330 | 2,003 |
| Average total loans | $132,539,670 | 2,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 6,006 |
| Cost of funding earning assets | 0.2159% | 6,500 |
| Net interest margin | 3.1527% | 5,083 |
| Noninterest income to average assets | 0.8542% | 1,915 |
| Noninterest expense to average assets | 3.2341% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5827% | 4,298 |
| Return on assets (ROA) | 0.5827% | 4,447 |
| Pretax return on assets | 0.6086% | 4,915 |
| Return on Equity (ROE) | 4.8802% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.3716% | 4,230 |
| Net charge-offs to loans | 0.0751% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.8400% | 1,292 |
| Efficiency ratio | 84.1619% | 1,746 |
| Assets per employee ($millions) | 3.6963% | 4,563 |
| Cash dividends to net income (ytd only)* | 30.9133% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 2,487 |
| Loan loss allowance to noncurrent loans | 2,130.1724% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 6,484 |
| Noncurrent loans to loans | 0.0863% | 6,223 |
| Net loans and leases to total assets | 45.1842% | 5,526 |
| Net loans and leases to deposits | 51.4550% | 5,670 |
| Net loans and leases to core deposits | 54.7591% | 5,622 |
| Total domestic deposits to total assets | 87.8130% | 2,450 |
| Equity capital to assets | 12.0066% | 2,040 |
| Core capital (leverage) ratio | 11.6739% | 1,768 |
| Tier 1 risk-based capital ratio | 20.8695% | 1,567 |
| Total risk-based capital ratio | 22.1228% | 1,540 |
| Memoranda: | ||
| Average total assets | $293,123,500 | 2,234 |
| Average earning assets | $277,861,000 | 2,167 |
| Average equity | $34,998,500 | 2,016 |
| Average total loans | $133,098,500 | 2,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 6,250 |
| Cost of funding earning assets | 0.2663% | 6,603 |
| Net interest margin | 3.3149% | 5,202 |
| Noninterest income to average assets | 0.8235% | 2,164 |
| Noninterest expense to average assets | 3.3851% | 2,091 |
| Loan and lease loss provision to assets | 0.0310% | 5,508 |
| Net operating income to assets | 0.5187% | 4,610 |
| Return on assets (ROA) | 0.5184% | 4,877 |
| Pretax return on assets | 0.5414% | 5,158 |
| Return on Equity (ROE) | 4.3249% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.0950% | 4,756 |
| Net charge-offs to loans | 0.0678% | 5,001 |
| Credit loss provision to net charge-offs | 102.2727% | 2,944 |
| Earnings coverage of net charge-offs (x) | 18.9205% | 1,414 |
| Efficiency ratio | 85.5293% | 1,474 |
| Assets per employee ($millions) | 3.6780% | 4,607 |
| Cash dividends to net income (ytd only)* | 51.5594% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 2,311 |
| Loan loss allowance to noncurrent loans | 3,617.3913% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 6,601 |
| Noncurrent loans to loans | 0.0524% | 6,367 |
| Net loans and leases to total assets | 43.9400% | 5,825 |
| Net loans and leases to deposits | 49.9820% | 5,956 |
| Net loans and leases to core deposits | 53.1594% | 5,932 |
| Total domestic deposits to total assets | 87.9116% | 2,289 |
| Equity capital to assets | 11.8736% | 2,132 |
| Core capital (leverage) ratio | 11.4739% | 1,897 |
| Tier 1 risk-based capital ratio | 20.9500% | 1,472 |
| Total risk-based capital ratio | 22.2042% | 1,446 |
| Memoranda: | ||
| Average total assets | $290,718,200 | 2,198 |
| Average earning assets | $274,876,600 | 2,133 |
| Average equity | $34,844,800 | 1,991 |
| Average total loans | $129,862,200 | 2,889 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 6,343 |
| Cost of funding earning assets | 0.2754% | 6,714 |
| Net interest margin | 3.3576% | 5,190 |
| Noninterest income to average assets | 0.8414% | 2,069 |
| Noninterest expense to average assets | 3.3765% | 2,066 |
| Loan and lease loss provision to assets | 0.0414% | 5,258 |
| Net operating income to assets | 0.5723% | 4,511 |
| Return on assets (ROA) | 0.5723% | 4,786 |
| Pretax return on assets | 0.5976% | 5,174 |
| Return on Equity (ROE) | 4.7632% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.5769% | 5,019 |
| Net charge-offs to loans | 0.0835% | 4,556 |
| Credit loss provision to net charge-offs | 111.1111% | 2,635 |
| Earnings coverage of net charge-offs (x) | 17.1477% | 1,639 |
| Efficiency ratio | 84.0875% | 1,579 |
| Assets per employee ($millions) | 3.5308% | 4,903 |
| Cash dividends to net income (ytd only)* | 45.8999% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,498.8024% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,557 |
| Noncurrent loans to loans | 0.1314% | 6,275 |
| Net loans and leases to total assets | 43.5755% | 6,001 |
| Net loans and leases to deposits | 49.8119% | 6,124 |
| Net loans and leases to core deposits | 54.3534% | 6,025 |
| Total domestic deposits to total assets | 87.4800% | 2,363 |
| Equity capital to assets | 12.2899% | 2,048 |
| Core capital (leverage) ratio | 11.5702% | 1,935 |
| Tier 1 risk-based capital ratio | 21.2488% | 1,467 |
| Total risk-based capital ratio | 22.5032% | 1,437 |
| Memoranda: | ||
| Average total assets | $289,837,750 | 2,232 |
| Average earning assets | $273,994,500 | 2,169 |
| Average equity | $34,821,750 | 2,007 |
| Average total loans | $129,381,500 | 2,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 6,462 |
| Cost of funding earning assets | 0.2784% | 6,802 |
| Net interest margin | 3.3394% | 5,307 |
| Noninterest income to average assets | 0.8436% | 1,991 |
| Noninterest expense to average assets | 3.3416% | 2,178 |
| Loan and lease loss provision to assets | 0.0618% | 4,874 |
| Net operating income to assets | 0.5709% | 4,496 |
| Return on assets (ROA) | 0.5709% | 4,769 |
| Pretax return on assets | 0.5963% | 5,150 |
| Return on Equity (ROE) | 4.7878% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.7079% | 4,822 |
| Net charge-offs to loans | 0.1107% | 4,072 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 13.3056% | 1,804 |
| Efficiency ratio | 83.5452% | 1,679 |
| Assets per employee ($millions) | 3.6719% | 4,587 |
| Cash dividends to net income (ytd only)* | 43.4416% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 6,801 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.1392% | 6,098 |
| Net loans and leases to deposits | 49.3102% | 6,218 |
| Net loans and leases to core deposits | 53.6021% | 6,124 |
| Total domestic deposits to total assets | 87.4854% | 2,479 |
| Equity capital to assets | 12.1773% | 2,018 |
| Core capital (leverage) ratio | 11.4528% | 1,934 |
| Tier 1 risk-based capital ratio | 20.9169% | 1,498 |
| Total risk-based capital ratio | 22.1713% | 1,468 |
| Memoranda: | ||
| Average total assets | $291,120,000 | 2,219 |
| Average earning assets | $275,137,330 | 2,153 |
| Average equity | $34,713,000 | 1,993 |
| Average total loans | $130,133,670 | 2,924 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 6,553 |
| Cost of funding earning assets | 0.2799% | 6,906 |
| Net interest margin | 3.3411% | 5,334 |
| Noninterest income to average assets | 0.8151% | 2,090 |
| Noninterest expense to average assets | 3.2807% | 2,348 |
| Loan and lease loss provision to assets | 0.0613% | 4,648 |
| Net operating income to assets | 0.6024% | 4,331 |
| Return on assets (ROA) | 0.6024% | 4,551 |
| Pretax return on assets | 0.6297% | 5,014 |
| Return on Equity (ROE) | 5.1053% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.3149% | 4,578 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6012% | 1,862 |
| Assets per employee ($millions) | 3.5700% | 4,956 |
| Cash dividends to net income (ytd only)* | 35.0679% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,395.0549% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,633 |
| Noncurrent loans to loans | 0.1403% | 6,406 |
| Net loans and leases to total assets | 43.4390% | 6,059 |
| Net loans and leases to deposits | 49.4127% | 6,186 |
| Net loans and leases to core deposits | 53.5454% | 6,094 |
| Total domestic deposits to total assets | 87.9106% | 2,382 |
| Equity capital to assets | 11.8544% | 2,144 |
| Core capital (leverage) ratio | 11.3831% | 1,976 |
| Tier 1 risk-based capital ratio | 20.6252% | 1,557 |
| Total risk-based capital ratio | 21.8798% | 1,534 |
| Memoranda: | ||
| Average total assets | $293,475,000 | 2,213 |
| Average earning assets | $277,276,500 | 2,147 |
| Average equity | $34,631,000 | 1,994 |
| Average total loans | $132,167,000 | 2,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 6,406 |
| Cost of funding earning assets | 0.4207% | 6,829 |
| Net interest margin | 3.6078% | 4,699 |
| Noninterest income to average assets | 0.7799% | 2,166 |
| Noninterest expense to average assets | 3.4867% | 2,015 |
| Loan and lease loss provision to assets | 0.1039% | 5,285 |
| Net operating income to assets | 0.5694% | 4,151 |
| Return on assets (ROA) | 0.6255% | 4,053 |
| Pretax return on assets | 0.6532% | 4,502 |
| Return on Equity (ROE) | 5.3344% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.8960% | 4,183 |
| Net charge-offs to loans | 0.1895% | 4,628 |
| Credit loss provision to net charge-offs | 114.9425% | 2,839 |
| Earnings coverage of net charge-offs (x) | 7.7318% | 2,278 |
| Efficiency ratio | 83.3085% | 1,847 |
| Assets per employee ($millions) | 3.5879% | 4,800 |
| Cash dividends to net income (ytd only)* | 45.7111% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 2,700 |
| Loan loss allowance to noncurrent loans | 1,144.0367% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 6,679 |
| Noncurrent loans to loans | 0.1619% | 6,431 |
| Net loans and leases to total assets | 44.9127% | 6,120 |
| Net loans and leases to deposits | 51.0592% | 6,286 |
| Net loans and leases to core deposits | 55.4201% | 6,199 |
| Total domestic deposits to total assets | 87.9622% | 2,191 |
| Equity capital to assets | 11.7465% | 2,310 |
| Core capital (leverage) ratio | 11.2586% | 2,077 |
| Tier 1 risk-based capital ratio | 19.6299% | 1,721 |
| Total risk-based capital ratio | 20.8833% | 1,687 |
| Memoranda: | ||
| Average total assets | $288,866,600 | 2,201 |
| Average earning assets | $272,659,200 | 2,149 |
| Average equity | $33,874,600 | 1,973 |
| Average total loans | $137,719,400 | 2,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 6,393 |
| Cost of funding earning assets | 0.4466% | 6,890 |
| Net interest margin | 3.6628% | 4,514 |
| Noninterest income to average assets | 0.7925% | 2,091 |
| Noninterest expense to average assets | 3.4815% | 1,986 |
| Loan and lease loss provision to assets | 0.1043% | 5,141 |
| Net operating income to assets | 0.6354% | 3,941 |
| Return on assets (ROA) | 0.6937% | 3,824 |
| Pretax return on assets | 0.7243% | 4,395 |
| Return on Equity (ROE) | 5.9181% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.7147% | 4,102 |
| Net charge-offs to loans | 0.2291% | 4,002 |
| Credit loss provision to net charge-offs | 94.5378% | 3,618 |
| Earnings coverage of net charge-offs (x) | 6.9579% | 2,446 |
| Efficiency ratio | 81.9293% | 1,988 |
| Assets per employee ($millions) | 3.5944% | 4,774 |
| Cash dividends to net income (ytd only)* | 37.2327% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,817 |
| Loan loss allowance to noncurrent loans | 660.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,644 |
| Noncurrent loans to loans | 0.2779% | 6,308 |
| Net loans and leases to total assets | 44.8849% | 6,253 |
| Net loans and leases to deposits | 51.1953% | 6,431 |
| Net loans and leases to core deposits | 55.6324% | 6,340 |
| Total domestic deposits to total assets | 87.6739% | 2,251 |
| Equity capital to assets | 11.9383% | 2,299 |
| Core capital (leverage) ratio | 11.3894% | 2,111 |
| Tier 1 risk-based capital ratio | 19.2658% | 1,865 |
| Total risk-based capital ratio | 20.5183% | 1,831 |
| Memoranda: | ||
| Average total assets | $287,531,750 | 2,222 |
| Average earning assets | $271,371,000 | 2,163 |
| Average equity | $33,703,500 | 1,982 |
| Average total loans | $138,491,750 | 2,842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 6,362 |
| Cost of funding earning assets | 0.4583% | 6,983 |
| Net interest margin | 3.7038% | 4,246 |
| Noninterest income to average assets | 0.7991% | 2,021 |
| Noninterest expense to average assets | 3.4876% | 2,012 |
| Loan and lease loss provision to assets | 0.1048% | 4,999 |
| Net operating income to assets | 0.6706% | 3,684 |
| Return on assets (ROA) | 0.6706% | 3,805 |
| Pretax return on assets | 0.7006% | 4,386 |
| Return on Equity (ROE) | 5.7568% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.8918% | 3,718 |
| Net charge-offs to loans | 0.2937% | 3,407 |
| Credit loss provision to net charge-offs | 72.8155% | 3,990 |
| Earnings coverage of net charge-offs (x) | 5.5971% | 2,578 |
| Efficiency ratio | 81.2398% | 2,210 |
| Assets per employee ($millions) | 3.5294% | 4,861 |
| Cash dividends to net income (ytd only)* | 32.3958% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 3,111 |
| Loan loss allowance to noncurrent loans | 2,998.7500% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 6,919 |
| Noncurrent loans to loans | 0.0588% | 6,837 |
| Net loans and leases to total assets | 46.7620% | 6,182 |
| Net loans and leases to deposits | 53.3824% | 6,354 |
| Net loans and leases to core deposits | 58.0455% | 6,265 |
| Total domestic deposits to total assets | 87.5980% | 2,408 |
| Equity capital to assets | 11.9889% | 2,096 |
| Core capital (leverage) ratio | 11.2312% | 2,088 |
| Tier 1 risk-based capital ratio | 18.5505% | 1,990 |
| Total risk-based capital ratio | 19.8019% | 1,949 |
| Memoranda: | ||
| Average total assets | $286,326,670 | 2,238 |
| Average earning assets | $270,102,670 | 2,180 |
| Average equity | $33,352,000 | 1,989 |
| Average total loans | $140,281,330 | 2,840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 6,462 |
| Cost of funding earning assets | 0.4705% | 7,062 |
| Net interest margin | 3.6504% | 4,326 |
| Noninterest income to average assets | 0.8096% | 1,994 |
| Noninterest expense to average assets | 3.4661% | 2,098 |
| Loan and lease loss provision to assets | 0.1047% | 4,706 |
| Net operating income to assets | 0.6533% | 3,734 |
| Return on assets (ROA) | 0.6533% | 3,810 |
| Pretax return on assets | 0.6826% | 4,371 |
| Return on Equity (ROE) | 5.6915% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.7551% | 3,337 |
| Net charge-offs to loans | 0.0084% | 4,992 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 166 |
| Efficiency ratio | 81.4900% | 2,305 |
| Assets per employee ($millions) | 3.6091% | 4,738 |
| Cash dividends to net income (ytd only)* | 16.4530% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,979 |
| Loan loss allowance to noncurrent loans | 726.1494% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,751 |
| Noncurrent loans to loans | 0.2493% | 6,486 |
| Net loans and leases to total assets | 47.4701% | 6,138 |
| Net loans and leases to deposits | 53.8384% | 6,301 |
| Net loans and leases to core deposits | 58.5255% | 6,210 |
| Total domestic deposits to total assets | 88.1714% | 2,277 |
| Equity capital to assets | 11.4815% | 2,295 |
| Core capital (leverage) ratio | 11.2518% | 2,001 |
| Tier 1 risk-based capital ratio | 18.4417% | 1,977 |
| Total risk-based capital ratio | 19.6941% | 1,928 |
| Memoranda: | ||
| Average total assets | $286,549,000 | 2,255 |
| Average earning assets | $270,323,000 | 2,195 |
| Average equity | $32,891,000 | 1,995 |
| Average total loans | $142,380,500 | 2,836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 6,300 |
| Cost of funding earning assets | 0.6548% | 6,995 |
| Net interest margin | 3.8807% | 3,586 |
| Noninterest income to average assets | 0.8281% | 2,148 |
| Noninterest expense to average assets | 3.5089% | 2,147 |
| Loan and lease loss provision to assets | 0.2992% | 4,410 |
| Net operating income to assets | 0.6500% | 3,440 |
| Return on assets (ROA) | 0.6500% | 3,585 |
| Pretax return on assets | 0.6787% | 4,052 |
| Return on Equity (ROE) | 5.4956% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.4834% | 4,140 |
| Net charge-offs to loans | 0.3259% | 4,386 |
| Credit loss provision to net charge-offs | 173.6287% | 1,936 |
| Earnings coverage of net charge-offs (x) | 5.6751% | 2,558 |
| Efficiency ratio | 78.2045% | 2,673 |
| Assets per employee ($millions) | 3.5547% | 4,814 |
| Cash dividends to net income (ytd only)* | 54.8098% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 3,246 |
| Loan loss allowance to noncurrent loans | 1,209.3596% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,947 |
| Noncurrent loans to loans | 0.1398% | 6,792 |
| Net loans and leases to total assets | 50.1880% | 6,151 |
| Net loans and leases to deposits | 56.9460% | 6,356 |
| Net loans and leases to core deposits | 61.5577% | 6,270 |
| Total domestic deposits to total assets | 88.1325% | 2,170 |
| Equity capital to assets | 11.4751% | 2,283 |
| Core capital (leverage) ratio | 11.1882% | 2,023 |
| Tier 1 risk-based capital ratio | 18.1322% | 1,957 |
| Total risk-based capital ratio | 19.3839% | 1,924 |
| Memoranda: | ||
| Average total assets | $275,074,000 | 2,321 |
| Average earning assets | $259,332,000 | 2,265 |
| Average equity | $32,535,400 | 2,017 |
| Average total loans | $145,451,400 | 2,848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 6,357 |
| Cost of funding earning assets | 0.6901% | 7,094 |
| Net interest margin | 3.9006% | 3,518 |
| Noninterest income to average assets | 0.8256% | 2,100 |
| Noninterest expense to average assets | 3.4820% | 2,071 |
| Loan and lease loss provision to assets | 0.1872% | 5,169 |
| Net operating income to assets | 0.7988% | 3,000 |
| Return on assets (ROA) | 0.7988% | 3,163 |
| Pretax return on assets | 0.8340% | 3,788 |
| Return on Equity (ROE) | 6.7011% | 3,479 |
| Retained earnings to average equity (ytd only) | 3.8386% | 3,757 |
| Net charge-offs to loans | 0.3390% | 3,947 |
| Credit loss provision to net charge-offs | 103.5135% | 4,140 |
| Earnings coverage of net charge-offs (x) | 5.6459% | 2,704 |
| Efficiency ratio | 77.3231% | 2,719 |
| Assets per employee ($millions) | 3.4478% | 5,100 |
| Cash dividends to net income (ytd only)* | 42.7171% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 4,098 |
| Loan loss allowance to noncurrent loans | 200.6629% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 6,454 |
| Noncurrent loans to loans | 0.7331% | 5,738 |
| Net loans and leases to total assets | 51.4557% | 6,163 |
| Net loans and leases to deposits | 58.8419% | 6,396 |
| Net loans and leases to core deposits | 63.8247% | 6,314 |
| Total domestic deposits to total assets | 87.4472% | 2,289 |
| Equity capital to assets | 12.1090% | 2,087 |
| Core capital (leverage) ratio | 11.6125% | 1,861 |
| Tier 1 risk-based capital ratio | 18.1659% | 1,981 |
| Total risk-based capital ratio | 19.3806% | 1,947 |
| Memoranda: | ||
| Average total assets | $272,749,250 | 2,372 |
| Average earning assets | $257,148,500 | 2,310 |
| Average equity | $32,511,250 | 2,039 |
| Average total loans | $145,520,250 | 2,884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 6,503 |
| Cost of funding earning assets | 0.7021% | 7,189 |
| Net interest margin | 3.8829% | 3,519 |
| Noninterest income to average assets | 0.8406% | 1,921 |
| Noninterest expense to average assets | 3.4307% | 2,193 |
| Loan and lease loss provision to assets | 0.2466% | 4,465 |
| Net operating income to assets | 0.7883% | 3,022 |
| Return on assets (ROA) | 0.7883% | 3,170 |
| Pretax return on assets | 0.8229% | 3,805 |
| Return on Equity (ROE) | 6.6490% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.3271% | 3,323 |
| Net charge-offs to loans | 0.0548% | 5,615 |
| Credit loss provision to net charge-offs | 837.5000% | 446 |
| Earnings coverage of net charge-offs (x) | 36.3250% | 794 |
| Efficiency ratio | 76.2349% | 3,034 |
| Assets per employee ($millions) | 3.4193% | 5,126 |
| Cash dividends to net income (ytd only)* | 34.9206% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,296 |
| Loan loss allowance to noncurrent loans | 260.1300% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 6,568 |
| Noncurrent loans to loans | 0.6298% | 5,986 |
| Net loans and leases to total assets | 53.3653% | 6,069 |
| Net loans and leases to deposits | 61.0094% | 6,308 |
| Net loans and leases to core deposits | 66.0177% | 6,245 |
| Total domestic deposits to total assets | 87.4706% | 2,273 |
| Equity capital to assets | 12.1666% | 2,002 |
| Core capital (leverage) ratio | 11.7228% | 1,790 |
| Tier 1 risk-based capital ratio | 18.0308% | 1,953 |
| Total risk-based capital ratio | 19.2823% | 1,919 |
| Memoranda: | ||
| Average total assets | $271,725,670 | 2,402 |
| Average earning assets | $256,097,000 | 2,344 |
| Average equity | $32,215,330 | 2,049 |
| Average total loans | $146,012,330 | 2,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 6,569 |
| Cost of funding earning assets | 0.7243% | 7,283 |
| Net interest margin | 3.8737% | 3,435 |
| Noninterest income to average assets | 0.8528% | 1,804 |
| Noninterest expense to average assets | 3.4331% | 2,148 |
| Loan and lease loss provision to assets | 0.4345% | 2,787 |
| Net operating income to assets | 0.6091% | 3,856 |
| Return on assets (ROA) | 0.6091% | 4,001 |
| Pretax return on assets | 0.6355% | 4,470 |
| Return on Equity (ROE) | 5.2053% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.1608% | 4,250 |
| Net charge-offs to loans | 0.0988% | 4,432 |
| Credit loss provision to net charge-offs | 822.2222% | 557 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,164 |
| Efficiency ratio | 76.2386% | 3,175 |
| Assets per employee ($millions) | 3.4093% | 5,265 |
| Cash dividends to net income (ytd only)* | 39.2771% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,311 |
| Loan loss allowance to noncurrent loans | 302.5575% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,752 |
| Noncurrent loans to loans | 0.5398% | 6,208 |
| Net loans and leases to total assets | 52.9133% | 6,158 |
| Net loans and leases to deposits | 60.3934% | 6,429 |
| Net loans and leases to core deposits | 65.1600% | 6,357 |
| Total domestic deposits to total assets | 87.6143% | 2,292 |
| Equity capital to assets | 11.9509% | 2,064 |
| Core capital (leverage) ratio | 11.5121% | 1,903 |
| Tier 1 risk-based capital ratio | 17.4702% | 2,084 |
| Total risk-based capital ratio | 18.7211% | 2,055 |
| Memoranda: | ||
| Average total assets | $272,526,000 | 2,451 |
| Average earning assets | $256,809,500 | 2,384 |
| Average equity | $31,890,500 | 2,094 |
| Average total loans | $145,741,500 | 2,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 6,227 |
| Cost of funding earning assets | 0.9044% | 7,398 |
| Net interest margin | 4.1560% | 2,222 |
| Noninterest income to average assets | 0.8893% | 1,984 |
| Noninterest expense to average assets | 3.7500% | 1,796 |
| Loan and lease loss provision to assets | 0.1540% | 6,133 |
| Net operating income to assets | 0.8652% | 2,295 |
| Return on assets (ROA) | 0.8671% | 2,357 |
| Pretax return on assets | 0.9054% | 2,907 |
| Return on Equity (ROE) | 6.8762% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.1200% | 2,977 |
| Net charge-offs to loans | 0.1991% | 5,400 |
| Credit loss provision to net charge-offs | 133.5664% | 3,734 |
| Earnings coverage of net charge-offs (x) | 9.1713% | 1,835 |
| Efficiency ratio | 78.0042% | 3,191 |
| Assets per employee ($millions) | 3.4901% | 5,022 |
| Cash dividends to net income (ytd only)* | 54.6258% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 4,046 |
| Loan loss allowance to noncurrent loans | 376.0714% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 6,955 |
| Noncurrent loans to loans | 0.3820% | 6,513 |
| Net loans and leases to total assets | 52.4077% | 6,377 |
| Net loans and leases to deposits | 59.5000% | 6,670 |
| Net loans and leases to core deposits | 70.2267% | 6,759 |
| Total domestic deposits to total assets | 88.0802% | 1,935 |
| Equity capital to assets | 11.4585% | 2,344 |
| Core capital (leverage) ratio | 11.5125% | 1,911 |
| Tier 1 risk-based capital ratio | 17.2328% | 2,091 |
| Total risk-based capital ratio | 18.4128% | 2,069 |
| Memoranda: | ||
| Average total assets | $248,056,600 | 2,630 |
| Average earning assets | $233,855,800 | 2,565 |
| Average equity | $31,281,600 | 2,144 |
| Average total loans | $143,626,000 | 3,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 5,683 |
| Cost of funding earning assets | 0.9332% | 7,510 |
| Net interest margin | 4.3175% | 1,686 |
| Noninterest income to average assets | 0.9178% | 1,911 |
| Noninterest expense to average assets | 3.8422% | 1,521 |
| Loan and lease loss provision to assets | 0.0945% | 6,422 |
| Net operating income to assets | 1.0064% | 2,031 |
| Return on assets (ROA) | 1.0091% | 2,086 |
| Pretax return on assets | 1.0539% | 2,725 |
| Return on Equity (ROE) | 7.7980% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,869 |
| Net charge-offs to loans | 0.2538% | 4,464 |
| Credit loss provision to net charge-offs | 62.8676% | 6,125 |
| Earnings coverage of net charge-offs (x) | 7.6176% | 2,379 |
| Efficiency ratio | 77.0314% | 3,316 |
| Assets per employee ($millions) | 3.1438% | 5,795 |
| Cash dividends to net income (ytd only)* | 44.8220% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,326 |
| Loan loss allowance to noncurrent loans | 994.2708% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 7,360 |
| Noncurrent loans to loans | 0.1336% | 7,146 |
| Net loans and leases to total assets | 57.0756% | 6,023 |
| Net loans and leases to deposits | 66.0188% | 6,306 |
| Net loans and leases to core deposits | 74.7355% | 6,683 |
| Total domestic deposits to total assets | 86.4535% | 2,453 |
| Equity capital to assets | 12.8986% | 1,733 |
| Core capital (leverage) ratio | 12.5079% | 1,580 |
| Tier 1 risk-based capital ratio | 18.0822% | 1,960 |
| Total risk-based capital ratio | 19.2034% | 1,950 |
| Memoranda: | ||
| Average total assets | $241,141,500 | 2,722 |
| Average earning assets | $227,319,500 | 2,637 |
| Average equity | $31,203,750 | 2,172 |
| Average total loans | $142,881,750 | 3,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3262% | 5,525 |
| Cost of funding earning assets | 0.9877% | 7,568 |
| Net interest margin | 4.3385% | 1,553 |
| Noninterest income to average assets | 0.9232% | 1,877 |
| Noninterest expense to average assets | 3.9935% | 1,324 |
| Loan and lease loss provision to assets | 0.0503% | 6,727 |
| Net operating income to assets | 0.9267% | 2,358 |
| Return on assets (ROA) | 0.9307% | 2,432 |
| Pretax return on assets | 0.9718% | 3,107 |
| Return on Equity (ROE) | 7.1847% | 3,119 |
| Retained earnings to average equity (ytd only) | 3.7443% | 3,211 |
| Net charge-offs to loans | 0.0435% | 5,857 |
| Credit loss provision to net charge-offs | 193.5484% | 2,361 |
| Earnings coverage of net charge-offs (x) | 39.1935% | 826 |
| Efficiency ratio | 79.6891% | 3,099 |
| Assets per employee ($millions) | 3.1158% | 5,822 |
| Cash dividends to net income (ytd only)* | 47.8848% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 3,509 |
| Loan loss allowance to noncurrent loans | 295.9361% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 6,767 |
| Noncurrent loans to loans | 0.4875% | 6,304 |
| Net loans and leases to total assets | 57.3173% | 6,056 |
| Net loans and leases to deposits | 66.1048% | 6,382 |
| Net loans and leases to core deposits | 74.6417% | 6,752 |
| Total domestic deposits to total assets | 86.7067% | 2,402 |
| Equity capital to assets | 12.7234% | 1,824 |
| Core capital (leverage) ratio | 12.1933% | 1,752 |
| Tier 1 risk-based capital ratio | 17.9020% | 2,049 |
| Total risk-based capital ratio | 19.1044% | 2,001 |
| Memoranda: | ||
| Average total assets | $238,735,330 | 2,764 |
| Average earning assets | $224,963,670 | 2,687 |
| Average equity | $30,926,670 | 2,190 |
| Average total loans | $142,621,670 | 3,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 5,554 |
| Cost of funding earning assets | 1.0255% | 7,635 |
| Net interest margin | 4.3482% | 1,470 |
| Noninterest income to average assets | 0.9772% | 1,554 |
| Noninterest expense to average assets | 4.0679% | 1,099 |
| Loan and lease loss provision to assets | 0.0507% | 6,331 |
| Net operating income to assets | 0.9113% | 2,654 |
| Return on assets (ROA) | 0.9113% | 2,801 |
| Pretax return on assets | 0.9519% | 3,527 |
| Return on Equity (ROE) | 6.9708% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.5695% | 3,908 |
| Net charge-offs to loans | 0.0782% | 4,391 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 21.1786% | 1,345 |
| Efficiency ratio | 80.2267% | 2,780 |
| Assets per employee ($millions) | 2.9835% | 6,198 |
| Cash dividends to net income (ytd only)* | 48.7941% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,490 |
| Loan loss allowance to noncurrent loans | 935.8140% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 7,329 |
| Noncurrent loans to loans | 0.1498% | 7,091 |
| Net loans and leases to total assets | 57.8297% | 5,967 |
| Net loans and leases to deposits | 66.8006% | 6,301 |
| Net loans and leases to core deposits | 77.4996% | 6,571 |
| Total domestic deposits to total assets | 86.5707% | 2,415 |
| Equity capital to assets | 12.7565% | 1,855 |
| Core capital (leverage) ratio | 12.4908% | 1,691 |
| Tier 1 risk-based capital ratio | 17.9563% | 2,066 |
| Total risk-based capital ratio | 19.1583% | 2,024 |
| Memoranda: | ||
| Average total assets | $236,586,500 | 2,806 |
| Average earning assets | $222,711,500 | 2,733 |
| Average equity | $30,929,000 | 2,197 |
| Average total loans | $143,263,000 | 3,118 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 6,547 |
| Cost of funding earning assets | 1.3283% | 7,817 |
| Net interest margin | 4.4346% | 1,578 |
| Noninterest income to average assets | 1.0442% | 1,448 |
| Noninterest expense to average assets | 4.1115% | 1,257 |
| Loan and lease loss provision to assets | 0.0069% | 7,279 |
| Net operating income to assets | 0.9649% | 2,721 |
| Return on assets (ROA) | 0.9720% | 2,560 |
| Pretax return on assets | 1.0150% | 3,329 |
| Return on Equity (ROE) | 7.0557% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.6789% | 2,862 |
| Net charge-offs to loans | 0.0266% | 6,459 |
| Credit loss provision to net charge-offs | 44.1176% | 6,413 |
| Earnings coverage of net charge-offs (x) | 64.5294% | 629 |
| Efficiency ratio | 80.2075% | 2,568 |
| Assets per employee ($millions) | 2.8565% | 6,421 |
| Cash dividends to net income (ytd only)* | 47.8592% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 3,166 |
| Loan loss allowance to noncurrent loans | 834.0249% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 7,157 |
| Noncurrent loans to loans | 0.1685% | 6,888 |
| Net loans and leases to total assets | 61.7109% | 5,665 |
| Net loans and leases to deposits | 72.2021% | 6,040 |
| Net loans and leases to core deposits | 81.6961% | 6,482 |
| Total domestic deposits to total assets | 85.4697% | 2,642 |
| Equity capital to assets | 13.4118% | 1,627 |
| Core capital (leverage) ratio | 13.1577% | 1,494 |
| Tier 1 risk-based capital ratio | 17.8548% | 2,078 |
| Total risk-based capital ratio | 19.0600% | 2,026 |
| Memoranda: | ||
| Average total assets | $216,248,000 | 2,920 |
| Average earning assets | $199,049,400 | 2,902 |
| Average equity | $29,791,400 | 2,272 |
| Average total loans | $127,619,400 | 3,308 |