Home > Eagle Bank and Trust Company > Performance and Condition Ratios
Eagle Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.7128% | 4,190 |
| Cost of funding earning assets | 1.1369% | 2,431 |
| Net interest margin | 3.5759% | 4,821 |
| Noninterest income to average assets | 0.3359% | 5,130 |
| Noninterest expense to average assets | 2.4738% | 5,559 |
| Loan and lease loss provision to assets | 0.1037% | 5,288 |
| Net operating income to assets | 0.8806% | 2,687 |
| Return on assets (ROA) | 0.8806% | 2,823 |
| Pretax return on assets | 1.0931% | 2,862 |
| Return on Equity (ROE) | 9.3813% | 2,293 |
| Retained earnings to average equity (ytd only) | 7.8255% | 1,143 |
| Net charge-offs to loans | 0.1405% | 5,023 |
| Credit loss provision to net charge-offs | 173.1707% | 1,527 |
| Earnings coverage of net charge-offs (x) | 19.9878% | 1,149 |
| Efficiency ratio | 67.3961% | 4,489 |
| Assets per employee ($millions) | 3.8250% | 4,260 |
| Cash dividends to net income (ytd only)* | 16.5837% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,576 |
| Loan loss allowance to noncurrent loans | 284.3260% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 3,899 |
| Noncurrent loans to loans | 0.5635% | 5,591 |
| Net loans and leases to total assets | 40.4529% | 6,514 |
| Net loans and leases to deposits | 49.6130% | 6,388 |
| Net loans and leases to core deposits | 57.3718% | 6,050 |
| Total domestic deposits to total assets | 81.5368% | 5,282 |
| Equity capital to assets | 9.8198% | 4,418 |
| Core capital (leverage) ratio | 9.2053% | 4,456 |
| Tier 1 risk-based capital ratio | 16.6569% | 2,752 |
| Total risk-based capital ratio | 17.8639% | 2,738 |
| Memoranda: | ||
| Average total assets | $136,955,800 | 4,032 |
| Average earning assets | $127,716,200 | 3,981 |
| Average equity | $12,855,400 | 4,364 |
| Average total loans | $58,360,800 | 4,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 3,916 |
| Cost of funding earning assets | 1.1620% | 2,550 |
| Net interest margin | 3.6625% | 4,516 |
| Noninterest income to average assets | 0.3120% | 5,368 |
| Noninterest expense to average assets | 2.4790% | 5,535 |
| Loan and lease loss provision to assets | 0.1238% | 4,885 |
| Net operating income to assets | 0.8969% | 2,748 |
| Return on assets (ROA) | 0.8969% | 2,900 |
| Pretax return on assets | 1.1289% | 2,902 |
| Return on Equity (ROE) | 9.6671% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.6671% | 936 |
| Net charge-offs to loans | 0.0522% | 5,456 |
| Credit loss provision to net charge-offs | 552.1739% | 499 |
| Earnings coverage of net charge-offs (x) | 55.8621% | 587 |
| Efficiency ratio | 66.4316% | 4,633 |
| Assets per employee ($millions) | 3.8782% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 3,553 |
| Loan loss allowance to noncurrent loans | 50.8556% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 3,915 |
| Noncurrent loans to loans | 3.1946% | 2,174 |
| Net loans and leases to total assets | 42.4244% | 6,474 |
| Net loans and leases to deposits | 52.2550% | 6,342 |
| Net loans and leases to core deposits | 62.7989% | 5,737 |
| Total domestic deposits to total assets | 81.1873% | 5,375 |
| Equity capital to assets | 10.0230% | 4,309 |
| Core capital (leverage) ratio | 9.0371% | 4,871 |
| Tier 1 risk-based capital ratio | 16.2439% | 2,996 |
| Total risk-based capital ratio | 17.4866% | 2,962 |
| Memoranda: | ||
| Average total assets | $136,769,500 | 4,063 |
| Average earning assets | $127,707,250 | 4,002 |
| Average equity | $12,688,750 | 4,408 |
| Average total loans | $58,798,250 | 4,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 3,969 |
| Cost of funding earning assets | 1.1895% | 2,650 |
| Net interest margin | 3.6375% | 4,573 |
| Noninterest income to average assets | 0.3588% | 5,015 |
| Noninterest expense to average assets | 2.5103% | 5,491 |
| Loan and lease loss provision to assets | 0.1415% | 4,537 |
| Net operating income to assets | 0.8650% | 2,799 |
| Return on assets (ROA) | 0.8650% | 2,886 |
| Pretax return on assets | 1.0925% | 2,882 |
| Return on Equity (ROE) | 9.5774% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.5774% | 944 |
| Net charge-offs to loans | 0.0883% | 4,774 |
| Credit loss provision to net charge-offs | 373.0769% | 821 |
| Earnings coverage of net charge-offs (x) | 32.5385% | 870 |
| Efficiency ratio | 67.0432% | 4,695 |
| Assets per employee ($millions) | 4.0139% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,965 |
| Loan loss allowance to noncurrent loans | 24.6841% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 3.3003% | 2,019 |
| Noncurrent loans to loans | 6.2156% | 933 |
| Net loans and leases to total assets | 43.1700% | 6,506 |
| Net loans and leases to deposits | 52.7931% | 6,412 |
| Net loans and leases to core deposits | 63.5984% | 5,769 |
| Total domestic deposits to total assets | 81.7721% | 5,246 |
| Equity capital to assets | 9.5375% | 4,755 |
| Core capital (leverage) ratio | 8.7419% | 5,153 |
| Tier 1 risk-based capital ratio | 15.4698% | 3,264 |
| Total risk-based capital ratio | 16.6430% | 3,246 |
| Memoranda: | ||
| Average total assets | $137,113,330 | 4,079 |
| Average earning assets | $127,615,330 | 4,035 |
| Average equity | $12,383,330 | 4,455 |
| Average total loans | $58,885,330 | 5,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 4,080 |
| Cost of funding earning assets | 1.1949% | 2,848 |
| Net interest margin | 3.6004% | 4,564 |
| Noninterest income to average assets | 0.3755% | 4,910 |
| Noninterest expense to average assets | 2.5001% | 5,551 |
| Loan and lease loss provision to assets | 0.1543% | 4,095 |
| Net operating income to assets | 0.8528% | 2,767 |
| Return on assets (ROA) | 0.8528% | 2,829 |
| Pretax return on assets | 1.0623% | 2,892 |
| Return on Equity (ROE) | 9.7124% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.7124% | 1,176 |
| Net charge-offs to loans | -0.0685% | 6,985 |
| Credit loss provision to net charge-offs | -530.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2670% | 4,797 |
| Assets per employee ($millions) | 4.1037% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,961 |
| Loan loss allowance to noncurrent loans | 29.6610% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 2.7794% | 2,480 |
| Noncurrent loans to loans | 5.2258% | 1,270 |
| Net loans and leases to total assets | 41.4256% | 6,680 |
| Net loans and leases to deposits | 50.0238% | 6,620 |
| Net loans and leases to core deposits | 62.2653% | 5,901 |
| Total domestic deposits to total assets | 82.8117% | 4,990 |
| Equity capital to assets | 8.7927% | 5,509 |
| Core capital (leverage) ratio | 8.6727% | 5,135 |
| Tier 1 risk-based capital ratio | 15.3278% | 3,248 |
| Total risk-based capital ratio | 16.5095% | 3,241 |
| Memoranda: | ||
| Average total assets | $137,434,000 | 4,112 |
| Average earning assets | $127,540,500 | 4,073 |
| Average equity | $12,067,000 | 4,533 |
| Average total loans | $58,411,500 | 5,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 3,731 |
| Cost of funding earning assets | 1.4988% | 2,644 |
| Net interest margin | 3.6748% | 4,469 |
| Noninterest income to average assets | 0.3944% | 4,948 |
| Noninterest expense to average assets | 2.6744% | 5,106 |
| Loan and lease loss provision to assets | 1.2247% | 1,276 |
| Net operating income to assets | -0.0276% | 5,889 |
| Return on assets (ROA) | -0.0266% | 5,992 |
| Pretax return on assets | -0.0740% | 5,979 |
| Return on Equity (ROE) | -0.2996% | 6,000 |
| Retained earnings to average equity (ytd only) | -1.9641% | 5,965 |
| Net charge-offs to loans | 2.7588% | 645 |
| Credit loss provision to net charge-offs | 97.2957% | 4,770 |
| Earnings coverage of net charge-offs (x) | 0.9130% | 5,199 |
| Efficiency ratio | 69.9439% | 4,193 |
| Assets per employee ($millions) | 4.1013% | 3,576 |
| Cash dividends to net income (ytd only)* | -555.5556% | 7,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,239 |
| Loan loss allowance to noncurrent loans | 88.9706% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 4,420 |
| Noncurrent loans to loans | 1.6382% | 4,045 |
| Net loans and leases to total assets | 42.3125% | 6,831 |
| Net loans and leases to deposits | 52.3613% | 6,719 |
| Net loans and leases to core deposits | 63.3940% | 6,110 |
| Total domestic deposits to total assets | 80.8088% | 5,587 |
| Equity capital to assets | 8.7674% | 5,487 |
| Core capital (leverage) ratio | 8.5617% | 5,257 |
| Tier 1 risk-based capital ratio | 15.1701% | 3,161 |
| Total risk-based capital ratio | 16.2864% | 3,183 |
| Memoranda: | ||
| Average total assets | $135,135,600 | 4,152 |
| Average earning assets | $126,101,400 | 4,101 |
| Average equity | $12,015,800 | 4,598 |
| Average total loans | $61,658,000 | 4,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1937% | 3,863 |
| Cost of funding earning assets | 1.5654% | 2,579 |
| Net interest margin | 3.6283% | 4,738 |
| Noninterest income to average assets | 0.3918% | 5,026 |
| Noninterest expense to average assets | 2.6570% | 5,080 |
| Loan and lease loss provision to assets | 0.1115% | 5,911 |
| Net operating income to assets | 0.8058% | 2,977 |
| Return on assets (ROA) | 0.8074% | 3,113 |
| Pretax return on assets | 1.0226% | 3,103 |
| Return on Equity (ROE) | 9.0485% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.0485% | 1,043 |
| Net charge-offs to loans | 0.2345% | 4,537 |
| Credit loss provision to net charge-offs | 102.7273% | 4,186 |
| Earnings coverage of net charge-offs (x) | 10.4275% | 1,884 |
| Efficiency ratio | 70.1224% | 4,040 |
| Assets per employee ($millions) | 3.9857% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 4,166 |
| Loan loss allowance to noncurrent loans | 52.7680% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 3,833 |
| Noncurrent loans to loans | 2.7635% | 2,874 |
| Net loans and leases to total assets | 44.6798% | 6,797 |
| Net loans and leases to deposits | 54.8125% | 6,707 |
| Net loans and leases to core deposits | 66.5930% | 6,076 |
| Total domestic deposits to total assets | 81.5140% | 5,198 |
| Equity capital to assets | 9.5238% | 4,803 |
| Core capital (leverage) ratio | 8.6498% | 5,271 |
| Tier 1 risk-based capital ratio | 14.9056% | 3,298 |
| Total risk-based capital ratio | 16.0492% | 3,323 |
| Memoranda: | ||
| Average total assets | $135,083,750 | 4,208 |
| Average earning assets | $126,482,750 | 4,145 |
| Average equity | $12,053,250 | 4,665 |
| Average total loans | $62,544,000 | 5,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 3,537 |
| Cost of funding earning assets | 1.6177% | 2,561 |
| Net interest margin | 3.6674% | 4,512 |
| Noninterest income to average assets | 0.3957% | 4,943 |
| Noninterest expense to average assets | 2.6589% | 5,085 |
| Loan and lease loss provision to assets | 0.1289% | 5,591 |
| Net operating income to assets | 0.8344% | 2,806 |
| Return on assets (ROA) | 0.8344% | 2,960 |
| Pretax return on assets | 1.0419% | 2,968 |
| Return on Equity (ROE) | 9.5675% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.5675% | 949 |
| Net charge-offs to loans | 0.2607% | 4,044 |
| Credit loss provision to net charge-offs | 106.0976% | 3,841 |
| Earnings coverage of net charge-offs (x) | 9.6341% | 1,993 |
| Efficiency ratio | 69.4272% | 4,294 |
| Assets per employee ($millions) | 3.7504% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 4,182 |
| Loan loss allowance to noncurrent loans | 49.3407% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.8413% | 3,707 |
| Noncurrent loans to loans | 2.9364% | 2,723 |
| Net loans and leases to total assets | 45.2423% | 6,831 |
| Net loans and leases to deposits | 55.3704% | 6,771 |
| Net loans and leases to core deposits | 69.3447% | 5,937 |
| Total domestic deposits to total assets | 81.7084% | 5,111 |
| Equity capital to assets | 9.2791% | 5,032 |
| Core capital (leverage) ratio | 8.3603% | 5,648 |
| Tier 1 risk-based capital ratio | 14.4448% | 3,474 |
| Total risk-based capital ratio | 15.5802% | 3,494 |
| Memoranda: | ||
| Average total assets | $134,940,670 | 4,242 |
| Average earning assets | $126,355,670 | 4,173 |
| Average equity | $11,769,000 | 4,739 |
| Average total loans | $62,911,000 | 5,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 3,331 |
| Cost of funding earning assets | 1.6362% | 2,732 |
| Net interest margin | 3.7067% | 4,205 |
| Noninterest income to average assets | 0.4121% | 4,793 |
| Noninterest expense to average assets | 2.6389% | 5,190 |
| Loan and lease loss provision to assets | 0.1838% | 4,670 |
| Net operating income to assets | 0.8569% | 2,723 |
| Return on assets (ROA) | 0.8569% | 2,811 |
| Pretax return on assets | 1.0556% | 2,889 |
| Return on Equity (ROE) | 10.1497% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.1497% | 1,106 |
| Net charge-offs to loans | 0.5175% | 2,515 |
| Credit loss provision to net charge-offs | 75.6098% | 3,987 |
| Earnings coverage of net charge-offs (x) | 5.0976% | 2,472 |
| Efficiency ratio | 68.0428% | 4,714 |
| Assets per employee ($millions) | 3.9767% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,397 |
| Loan loss allowance to noncurrent loans | 47.5231% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8091% | 3,773 |
| Noncurrent loans to loans | 2.9571% | 2,717 |
| Net loans and leases to total assets | 44.0051% | 6,990 |
| Net loans and leases to deposits | 53.1334% | 6,972 |
| Net loans and leases to core deposits | 68.0076% | 6,101 |
| Total domestic deposits to total assets | 82.8201% | 4,708 |
| Equity capital to assets | 8.4197% | 6,128 |
| Core capital (leverage) ratio | 8.3872% | 5,587 |
| Tier 1 risk-based capital ratio | 13.7769% | 3,812 |
| Total risk-based capital ratio | 14.8554% | 3,885 |
| Memoranda: | ||
| Average total assets | $134,904,500 | 4,304 |
| Average earning assets | $126,149,000 | 4,241 |
| Average equity | $11,389,500 | 4,873 |
| Average total loans | $63,376,000 | 5,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 2,521 |
| Cost of funding earning assets | 2.1018% | 2,452 |
| Net interest margin | 3.7295% | 4,002 |
| Noninterest income to average assets | 0.4136% | 5,092 |
| Noninterest expense to average assets | 2.8571% | 4,713 |
| Loan and lease loss provision to assets | 0.0974% | 6,642 |
| Net operating income to assets | 0.7764% | 2,616 |
| Return on assets (ROA) | 0.8024% | 2,614 |
| Pretax return on assets | 0.9748% | 2,673 |
| Return on Equity (ROE) | 9.5247% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.6895% | 778 |
| Net charge-offs to loans | 0.1903% | 5,460 |
| Credit loss provision to net charge-offs | 100.8000% | 5,476 |
| Earnings coverage of net charge-offs (x) | 10.7680% | 1,648 |
| Efficiency ratio | 73.3042% | 4,034 |
| Assets per employee ($millions) | 3.6284% | 4,701 |
| Cash dividends to net income (ytd only)* | 19.2678% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,325 |
| Loan loss allowance to noncurrent loans | 44.7619% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.9499% | 3,456 |
| Noncurrent loans to loans | 3.0868% | 2,482 |
| Net loans and leases to total assets | 48.7946% | 6,751 |
| Net loans and leases to deposits | 59.3947% | 6,678 |
| Net loans and leases to core deposits | 78.4108% | 6,233 |
| Total domestic deposits to total assets | 82.1532% | 4,884 |
| Equity capital to assets | 8.4671% | 5,937 |
| Core capital (leverage) ratio | 8.2790% | 5,654 |
| Tier 1 risk-based capital ratio | 13.2138% | 4,004 |
| Total risk-based capital ratio | 14.3001% | 4,058 |
| Memoranda: | ||
| Average total assets | $129,362,800 | 4,349 |
| Average earning assets | $120,847,800 | 4,294 |
| Average equity | $10,898,000 | 5,050 |
| Average total loans | $65,702,000 | 5,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8028% | 2,878 |
| Cost of funding earning assets | 2.1962% | 2,431 |
| Net interest margin | 3.6066% | 4,459 |
| Noninterest income to average assets | 0.4009% | 5,277 |
| Noninterest expense to average assets | 2.8361% | 4,735 |
| Loan and lease loss provision to assets | 0.0775% | 6,592 |
| Net operating income to assets | 0.7146% | 3,156 |
| Return on assets (ROA) | 0.7181% | 3,211 |
| Pretax return on assets | 0.8627% | 3,348 |
| Return on Equity (ROE) | 8.5346% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.5346% | 964 |
| Net charge-offs to loans | 0.1637% | 5,079 |
| Credit loss provision to net charge-offs | 92.5926% | 5,411 |
| Earnings coverage of net charge-offs (x) | 11.1849% | 1,877 |
| Efficiency ratio | 75.1849% | 3,661 |
| Assets per employee ($millions) | 3.5226% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,223 |
| Loan loss allowance to noncurrent loans | 34.9645% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3677% | 2,907 |
| Noncurrent loans to loans | 3.8532% | 1,925 |
| Net loans and leases to total assets | 49.7767% | 6,796 |
| Net loans and leases to deposits | 60.7986% | 6,768 |
| Net loans and leases to core deposits | 82.0480% | 6,184 |
| Total domestic deposits to total assets | 81.8715% | 4,727 |
| Equity capital to assets | 8.7282% | 5,913 |
| Core capital (leverage) ratio | 8.3132% | 5,812 |
| Tier 1 risk-based capital ratio | 13.2139% | 4,042 |
| Total risk-based capital ratio | 14.3061% | 4,088 |
| Memoranda: | ||
| Average total assets | $129,047,750 | 4,391 |
| Average earning assets | $120,628,000 | 4,331 |
| Average equity | $10,857,500 | 5,098 |
| Average total loans | $65,970,000 | 5,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 2,891 |
| Cost of funding earning assets | 2.2856% | 2,413 |
| Net interest margin | 3.5465% | 4,591 |
| Noninterest income to average assets | 0.4121% | 5,183 |
| Noninterest expense to average assets | 2.8550% | 4,711 |
| Loan and lease loss provision to assets | 0.0622% | 6,591 |
| Net operating income to assets | 0.6867% | 3,313 |
| Return on assets (ROA) | 0.6920% | 3,404 |
| Pretax return on assets | 0.8164% | 3,617 |
| Return on Equity (ROE) | 8.3297% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.3297% | 1,113 |
| Net charge-offs to loans | 0.0969% | 5,199 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 17.5313% | 1,474 |
| Efficiency ratio | 76.5957% | 3,583 |
| Assets per employee ($millions) | 3.5204% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 3,726 |
| Loan loss allowance to noncurrent loans | 151.5152% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 5,133 |
| Noncurrent loans to loans | 0.9237% | 5,370 |
| Net loans and leases to total assets | 50.0312% | 6,870 |
| Net loans and leases to deposits | 61.1054% | 6,810 |
| Net loans and leases to core deposits | 84.4884% | 6,055 |
| Total domestic deposits to total assets | 81.8769% | 4,741 |
| Equity capital to assets | 8.4003% | 6,190 |
| Core capital (leverage) ratio | 8.1742% | 6,019 |
| Tier 1 risk-based capital ratio | 13.1623% | 4,028 |
| Total risk-based capital ratio | 14.2940% | 4,036 |
| Memoranda: | ||
| Average total assets | $128,618,330 | 4,422 |
| Average earning assets | $120,232,000 | 4,359 |
| Average equity | $10,684,670 | 5,168 |
| Average total loans | $66,039,000 | 5,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8143% | 3,228 |
| Cost of funding earning assets | 2.3595% | 2,466 |
| Net interest margin | 3.4548% | 4,920 |
| Noninterest income to average assets | 0.4322% | 4,941 |
| Noninterest expense to average assets | 2.8187% | 4,484 |
| Loan and lease loss provision to assets | 0.0278% | 6,581 |
| Net operating income to assets | 0.6872% | 3,619 |
| Return on assets (ROA) | 0.6977% | 3,758 |
| Pretax return on assets | 0.8212% | 4,002 |
| Return on Equity (ROE) | 8.4454% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.4454% | 1,647 |
| Net charge-offs to loans | 0.0598% | 4,626 |
| Credit loss provision to net charge-offs | 90.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.1000% | 1,148 |
| Efficiency ratio | 77.1115% | 3,314 |
| Assets per employee ($millions) | 3.5345% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 3,713 |
| Loan loss allowance to noncurrent loans | 119.2771% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 4,676 |
| Noncurrent loans to loans | 1.1436% | 4,706 |
| Net loans and leases to total assets | 49.2659% | 6,923 |
| Net loans and leases to deposits | 59.9821% | 6,894 |
| Net loans and leases to core deposits | 82.1733% | 6,226 |
| Total domestic deposits to total assets | 82.1343% | 4,497 |
| Equity capital to assets | 8.0886% | 6,687 |
| Core capital (leverage) ratio | 7.9004% | 6,617 |
| Tier 1 risk-based capital ratio | 12.6803% | 4,411 |
| Total risk-based capital ratio | 13.7827% | 4,445 |
| Memoranda: | ||
| Average total assets | $129,561,000 | 4,415 |
| Average earning assets | $120,874,000 | 4,363 |
| Average equity | $10,704,000 | 5,186 |
| Average total loans | $66,905,500 | 5,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5544% | 2,698 |
| Cost of funding earning assets | 2.8223% | 2,617 |
| Net interest margin | 3.7321% | 4,314 |
| Noninterest income to average assets | 0.4380% | 5,134 |
| Noninterest expense to average assets | 2.7831% | 4,896 |
| Loan and lease loss provision to assets | 0.1449% | 5,503 |
| Net operating income to assets | 0.8069% | 3,412 |
| Return on assets (ROA) | 0.8082% | 3,244 |
| Pretax return on assets | 0.9949% | 3,399 |
| Return on Equity (ROE) | 10.1675% | 2,196 |
| Retained earnings to average equity (ytd only) | 8.1855% | 785 |
| Net charge-offs to loans | 0.0776% | 5,653 |
| Credit loss provision to net charge-offs | 360.7843% | 1,229 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,218 |
| Efficiency ratio | 70.9723% | 4,138 |
| Assets per employee ($millions) | 3.2909% | 5,234 |
| Cash dividends to net income (ytd only)* | 19.4932% | 4,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,766 |
| Loan loss allowance to noncurrent loans | 124.5810% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 4,172 |
| Noncurrent loans to loans | 1.0454% | 4,485 |
| Net loans and leases to total assets | 52.6701% | 6,781 |
| Net loans and leases to deposits | 64.6748% | 6,737 |
| Net loans and leases to core deposits | 86.0719% | 6,131 |
| Total domestic deposits to total assets | 81.4385% | 4,443 |
| Equity capital to assets | 8.4381% | 6,193 |
| Core capital (leverage) ratio | 7.7536% | 6,859 |
| Tier 1 risk-based capital ratio | 12.1672% | 4,695 |
| Total risk-based capital ratio | 13.2501% | 4,710 |
| Memoranda: | ||
| Average total assets | $126,947,000 | 4,353 |
| Average earning assets | $118,485,600 | 4,300 |
| Average equity | $10,091,000 | 5,383 |
| Average total loans | $65,754,800 | 5,032 |