Home > Eagle Bank and Trust Company of Missouri > Performance and Condition Ratios
Eagle Bank and Trust Company of Missouri, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,123 |
| Cost of funding earning assets | 0.4947% | 2,126 |
| Net interest margin | 3.5255% | 3,334 |
| Noninterest income to average assets | 0.5898% | 2,715 |
| Noninterest expense to average assets | 2.5758% | 3,758 |
| Loan and lease loss provision to assets | 0.1332% | 1,872 |
| Net operating income to assets | 0.7573% | 3,501 |
| Return on assets (ROA) | 0.8226% | 3,291 |
| Pretax return on assets | 1.2202% | 2,588 |
| Return on Equity (ROE) | 7.4392% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.5249% | 3,429 |
| Net charge-offs to loans | 0.0287% | 3,446 |
| Credit loss provision to net charge-offs | 641.1458% | 536 |
| Earnings coverage of net charge-offs (x) | 60.4479% | 884 |
| Efficiency ratio | 67.2230% | 3,398 |
| Assets per employee ($millions) | 5.2427% | 2,122 |
| Cash dividends to net income (ytd only)* | 52.6177% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,990 |
| Loan loss allowance to noncurrent loans | 157.2297% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 1,341 |
| Noncurrent loans to loans | 0.7774% | 2,580 |
| Net loans and leases to total assets | 73.9249% | 1,862 |
| Net loans and leases to deposits | 89.5730% | 1,731 |
| Net loans and leases to core deposits | 93.2938% | 2,180 |
| Total domestic deposits to total assets | 82.5303% | 3,928 |
| Equity capital to assets | 10.9205% | 2,694 |
| Core capital (leverage) ratio | 10.4867% | 2,891 |
| Tier 1 risk-based capital ratio | 12.6349% | 4,299 |
| Total risk-based capital ratio | 13.7389% | 4,270 |
| Memoranda: | ||
| Average total assets | $924,116,600 | 778 |
| Average earning assets | $849,788,400 | 769 |
| Average equity | $102,188,200 | 774 |
| Average total loans | $669,804,000 | 740 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 3,139 |
| Cost of funding earning assets | 0.4968% | 2,125 |
| Net interest margin | 3.5250% | 3,373 |
| Noninterest income to average assets | 0.5913% | 2,709 |
| Noninterest expense to average assets | 2.5542% | 3,813 |
| Loan and lease loss provision to assets | 0.1323% | 1,773 |
| Net operating income to assets | 0.7624% | 3,544 |
| Return on assets (ROA) | 0.8497% | 3,275 |
| Pretax return on assets | 1.2758% | 2,521 |
| Return on Equity (ROE) | 7.6602% | 3,213 |
| Retained earnings to average equity (ytd only) | 3.7486% | 3,636 |
| Net charge-offs to loans | 0.0332% | 2,974 |
| Credit loss provision to net charge-offs | 554.5455% | 651 |
| Earnings coverage of net charge-offs (x) | 53.5466% | 1,024 |
| Efficiency ratio | 66.6541% | 3,476 |
| Assets per employee ($millions) | 4.9600% | 2,406 |
| Cash dividends to net income (ytd only)* | 51.0638% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 3,219 |
| Loan loss allowance to noncurrent loans | 200.3158% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1877% | 1,676 |
| Noncurrent loans to loans | 0.6007% | 3,210 |
| Net loans and leases to total assets | 72.6149% | 2,090 |
| Net loans and leases to deposits | 88.6350% | 1,937 |
| Net loans and leases to core deposits | 92.7584% | 2,308 |
| Total domestic deposits to total assets | 81.9258% | 3,956 |
| Equity capital to assets | 11.1522% | 2,852 |
| Core capital (leverage) ratio | 10.4538% | 3,044 |
| Tier 1 risk-based capital ratio | 12.7635% | 4,299 |
| Total risk-based capital ratio | 13.8491% | 4,318 |
| Memoranda: | ||
| Average total assets | $921,847,750 | 782 |
| Average earning assets | $847,527,750 | 774 |
| Average equity | $102,258,000 | 779 |
| Average total loans | $662,655,750 | 750 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,125 |
| Cost of funding earning assets | 0.4960% | 2,133 |
| Net interest margin | 3.5378% | 3,339 |
| Noninterest income to average assets | 0.5608% | 2,847 |
| Noninterest expense to average assets | 2.6218% | 3,654 |
| Loan and lease loss provision to assets | 0.1329% | 1,724 |
| Net operating income to assets | 0.7024% | 3,774 |
| Return on assets (ROA) | 0.7862% | 3,523 |
| Pretax return on assets | 1.1844% | 2,844 |
| Return on Equity (ROE) | 7.1007% | 3,483 |
| Retained earnings to average equity (ytd only) | 3.1668% | 3,884 |
| Net charge-offs to loans | 0.0437% | 2,595 |
| Credit loss provision to net charge-offs | 426.5734% | 745 |
| Earnings coverage of net charge-offs (x) | 38.2168% | 1,189 |
| Efficiency ratio | 68.7768% | 3,198 |
| Assets per employee ($millions) | 4.8828% | 2,436 |
| Cash dividends to net income (ytd only)* | 55.4017% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,427 |
| Loan loss allowance to noncurrent loans | 269.7832% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,967 |
| Noncurrent loans to loans | 0.4406% | 3,789 |
| Net loans and leases to total assets | 71.3523% | 2,275 |
| Net loans and leases to deposits | 86.3838% | 2,207 |
| Net loans and leases to core deposits | 90.5325% | 2,486 |
| Total domestic deposits to total assets | 82.5991% | 3,796 |
| Equity capital to assets | 11.0514% | 3,004 |
| Core capital (leverage) ratio | 10.3730% | 3,107 |
| Tier 1 risk-based capital ratio | 12.8595% | 4,280 |
| Total risk-based capital ratio | 13.9297% | 4,308 |
| Memoranda: | ||
| Average total assets | $918,304,670 | 784 |
| Average earning assets | $843,921,000 | 780 |
| Average equity | $101,680,000 | 782 |
| Average total loans | $655,086,330 | 756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 2,668 |
| Cost of funding earning assets | 0.4927% | 2,162 |
| Net interest margin | 3.6518% | 2,881 |
| Noninterest income to average assets | 0.4742% | 3,315 |
| Noninterest expense to average assets | 2.6358% | 3,634 |
| Loan and lease loss provision to assets | 0.1375% | 1,524 |
| Net operating income to assets | 0.7001% | 3,713 |
| Return on assets (ROA) | 0.7001% | 3,829 |
| Pretax return on assets | 1.0565% | 3,249 |
| Return on Equity (ROE) | 6.3167% | 3,821 |
| Retained earnings to average equity (ytd only) | 2.3663% | 4,304 |
| Net charge-offs to loans | 0.0500% | 2,041 |
| Credit loss provision to net charge-offs | 387.6543% | 724 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,113 |
| Efficiency ratio | 68.8236% | 3,325 |
| Assets per employee ($millions) | 4.7447% | 2,681 |
| Cash dividends to net income (ytd only)* | 62.5391% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,570 |
| Loan loss allowance to noncurrent loans | 270.2797% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 2,053 |
| Noncurrent loans to loans | 0.4385% | 3,868 |
| Net loans and leases to total assets | 70.0137% | 2,340 |
| Net loans and leases to deposits | 83.8992% | 2,314 |
| Net loans and leases to core deposits | 87.9149% | 2,572 |
| Total domestic deposits to total assets | 83.4498% | 3,732 |
| Equity capital to assets | 11.0824% | 2,846 |
| Core capital (leverage) ratio | 10.4747% | 3,002 |
| Tier 1 risk-based capital ratio | 12.8275% | 4,377 |
| Total risk-based capital ratio | 13.8748% | 4,416 |
| Memoranda: | ||
| Average total assets | $913,589,500 | 793 |
| Average earning assets | $839,479,500 | 789 |
| Average equity | $101,256,000 | 787 |
| Average total loans | $647,667,500 | 765 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 3,062 |
| Cost of funding earning assets | 0.4977% | 2,175 |
| Net interest margin | 3.5651% | 3,262 |
| Noninterest income to average assets | 0.6336% | 2,543 |
| Noninterest expense to average assets | 2.5030% | 4,217 |
| Loan and lease loss provision to assets | 0.1401% | 1,692 |
| Net operating income to assets | 0.8531% | 3,095 |
| Return on assets (ROA) | 0.8531% | 3,169 |
| Pretax return on assets | 1.2688% | 2,402 |
| Return on Equity (ROE) | 7.7701% | 3,094 |
| Retained earnings to average equity (ytd only) | 3.7226% | 3,399 |
| Net charge-offs to loans | 0.2578% | 1,173 |
| Credit loss provision to net charge-offs | 77.0312% | 2,999 |
| Earnings coverage of net charge-offs (x) | 7.7465% | 3,044 |
| Efficiency ratio | 63.9222% | 4,282 |
| Assets per employee ($millions) | 4.7471% | 2,671 |
| Cash dividends to net income (ytd only)* | 52.0901% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,674 |
| Loan loss allowance to noncurrent loans | 224.8650% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 1,851 |
| Noncurrent loans to loans | 0.5184% | 3,618 |
| Net loans and leases to total assets | 70.1055% | 2,350 |
| Net loans and leases to deposits | 83.8053% | 2,388 |
| Net loans and leases to core deposits | 88.3016% | 2,573 |
| Total domestic deposits to total assets | 83.6528% | 3,611 |
| Equity capital to assets | 11.0842% | 2,738 |
| Core capital (leverage) ratio | 10.4573% | 2,973 |
| Tier 1 risk-based capital ratio | 12.9749% | 4,338 |
| Total risk-based capital ratio | 14.0090% | 4,375 |
| Memoranda: | ||
| Average total assets | $900,096,200 | 761 |
| Average earning assets | $827,654,400 | 752 |
| Average equity | $98,827,800 | 780 |
| Average total loans | $634,993,000 | 739 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,052 |
| Cost of funding earning assets | 0.4991% | 2,222 |
| Net interest margin | 3.5733% | 3,261 |
| Noninterest income to average assets | 0.6265% | 2,598 |
| Noninterest expense to average assets | 2.5093% | 4,167 |
| Loan and lease loss provision to assets | 0.1380% | 1,613 |
| Net operating income to assets | 0.8454% | 3,190 |
| Return on assets (ROA) | 0.8454% | 3,277 |
| Pretax return on assets | 1.2656% | 2,529 |
| Return on Equity (ROE) | 7.7186% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.0089% | 2,907 |
| Net charge-offs to loans | 0.2286% | 1,145 |
| Credit loss provision to net charge-offs | 85.7143% | 2,527 |
| Earnings coverage of net charge-offs (x) | 8.7171% | 2,776 |
| Efficiency ratio | 64.0611% | 4,236 |
| Assets per employee ($millions) | 4.6125% | 2,821 |
| Cash dividends to net income (ytd only)* | 35.1062% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,631 |
| Loan loss allowance to noncurrent loans | 220.1369% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 1,945 |
| Noncurrent loans to loans | 0.5469% | 3,704 |
| Net loans and leases to total assets | 70.4094% | 2,327 |
| Net loans and leases to deposits | 84.4705% | 2,345 |
| Net loans and leases to core deposits | 88.9672% | 2,563 |
| Total domestic deposits to total assets | 83.3538% | 3,678 |
| Equity capital to assets | 11.1604% | 2,835 |
| Core capital (leverage) ratio | 10.4440% | 3,113 |
| Tier 1 risk-based capital ratio | 13.0129% | 4,422 |
| Total risk-based capital ratio | 14.0806% | 4,447 |
| Memoranda: | ||
| Average total assets | $898,445,000 | 773 |
| Average earning assets | $826,296,750 | 764 |
| Average equity | $98,409,500 | 788 |
| Average total loans | $632,955,250 | 745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,097 |
| Cost of funding earning assets | 0.4984% | 2,267 |
| Net interest margin | 3.5473% | 3,302 |
| Noninterest income to average assets | 0.5926% | 2,782 |
| Noninterest expense to average assets | 2.5427% | 4,095 |
| Loan and lease loss provision to assets | 0.1349% | 1,626 |
| Net operating income to assets | 0.7919% | 3,427 |
| Return on assets (ROA) | 0.7919% | 3,523 |
| Pretax return on assets | 1.1785% | 2,869 |
| Return on Equity (ROE) | 7.2755% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.1836% | 4,024 |
| Net charge-offs to loans | 0.2881% | 907 |
| Credit loss provision to net charge-offs | 66.7401% | 2,508 |
| Earnings coverage of net charge-offs (x) | 6.4956% | 2,777 |
| Efficiency ratio | 65.8697% | 4,033 |
| Assets per employee ($millions) | 4.6237% | 2,790 |
| Cash dividends to net income (ytd only)* | 56.2430% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 3,864 |
| Loan loss allowance to noncurrent loans | 239.1346% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 2,035 |
| Noncurrent loans to loans | 0.4964% | 3,983 |
| Net loans and leases to total assets | 69.8926% | 2,328 |
| Net loans and leases to deposits | 83.5778% | 2,371 |
| Net loans and leases to core deposits | 88.2982% | 2,525 |
| Total domestic deposits to total assets | 83.6258% | 3,724 |
| Equity capital to assets | 10.9214% | 2,971 |
| Core capital (leverage) ratio | 10.1715% | 3,372 |
| Tier 1 risk-based capital ratio | 12.8005% | 4,622 |
| Total risk-based capital ratio | 13.8548% | 4,661 |
| Memoranda: | ||
| Average total assets | $898,112,330 | 779 |
| Average earning assets | $826,269,670 | 774 |
| Average equity | $97,752,330 | 796 |
| Average total loans | $630,270,330 | 747 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 3,167 |
| Cost of funding earning assets | 0.4962% | 2,322 |
| Net interest margin | 3.5228% | 3,333 |
| Noninterest income to average assets | 0.5315% | 3,081 |
| Noninterest expense to average assets | 2.5142% | 4,221 |
| Loan and lease loss provision to assets | 0.1352% | 1,530 |
| Net operating income to assets | 0.7403% | 3,594 |
| Return on assets (ROA) | 0.7403% | 3,721 |
| Pretax return on assets | 1.1201% | 2,995 |
| Return on Equity (ROE) | 6.8136% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.7065% | 4,324 |
| Net charge-offs to loans | 0.0613% | 2,134 |
| Credit loss provision to net charge-offs | 315.6250% | 783 |
| Earnings coverage of net charge-offs (x) | 29.3021% | 1,168 |
| Efficiency ratio | 66.6272% | 4,046 |
| Assets per employee ($millions) | 4.7386% | 2,702 |
| Cash dividends to net income (ytd only)* | 60.2773% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,508 |
| Loan loss allowance to noncurrent loans | 202.0000% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 2,011 |
| Noncurrent loans to loans | 0.6345% | 3,687 |
| Net loans and leases to total assets | 68.7562% | 2,322 |
| Net loans and leases to deposits | 82.0433% | 2,335 |
| Net loans and leases to core deposits | 85.8906% | 2,561 |
| Total domestic deposits to total assets | 83.8048% | 3,889 |
| Equity capital to assets | 10.8124% | 3,182 |
| Core capital (leverage) ratio | 10.2020% | 3,340 |
| Tier 1 risk-based capital ratio | 13.0429% | 4,580 |
| Total risk-based capital ratio | 14.2009% | 4,547 |
| Memoranda: | ||
| Average total assets | $896,360,500 | 786 |
| Average earning assets | $823,901,000 | 776 |
| Average equity | $97,394,000 | 795 |
| Average total loans | $626,538,500 | 745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 3,672 |
| Cost of funding earning assets | 0.5234% | 2,457 |
| Net interest margin | 3.4920% | 3,827 |
| Noninterest income to average assets | 0.6299% | 2,678 |
| Noninterest expense to average assets | 2.4440% | 4,720 |
| Loan and lease loss provision to assets | 0.1435% | 1,849 |
| Net operating income to assets | 0.8534% | 3,104 |
| Return on assets (ROA) | 0.8534% | 3,200 |
| Pretax return on assets | 1.2367% | 2,500 |
| Return on Equity (ROE) | 8.2111% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.4495% | 3,009 |
| Net charge-offs to loans | 0.1939% | 2,115 |
| Credit loss provision to net charge-offs | 108.0740% | 2,209 |
| Earnings coverage of net charge-offs (x) | 10.3928% | 2,614 |
| Efficiency ratio | 63.8384% | 4,611 |
| Assets per employee ($millions) | 4.6474% | 2,801 |
| Cash dividends to net income (ytd only)* | 45.8115% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,629 |
| Loan loss allowance to noncurrent loans | 174.5676% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 1,949 |
| Noncurrent loans to loans | 0.7243% | 3,517 |
| Net loans and leases to total assets | 69.2651% | 2,343 |
| Net loans and leases to deposits | 82.8118% | 2,363 |
| Net loans and leases to core deposits | 86.4873% | 2,646 |
| Total domestic deposits to total assets | 83.6416% | 3,867 |
| Equity capital to assets | 10.9196% | 2,985 |
| Core capital (leverage) ratio | 10.1737% | 3,340 |
| Tier 1 risk-based capital ratio | 13.1753% | 4,607 |
| Total risk-based capital ratio | 14.3236% | 4,596 |
| Memoranda: | ||
| Average total assets | $895,284,200 | 743 |
| Average earning assets | $818,992,000 | 746 |
| Average equity | $93,044,600 | 797 |
| Average total loans | $613,307,000 | 713 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,766 |
| Cost of funding earning assets | 0.5247% | 2,521 |
| Net interest margin | 3.4742% | 3,927 |
| Noninterest income to average assets | 0.6042% | 2,839 |
| Noninterest expense to average assets | 2.3675% | 4,921 |
| Loan and lease loss provision to assets | 0.1872% | 1,298 |
| Net operating income to assets | 0.8168% | 3,358 |
| Return on assets (ROA) | 0.8168% | 3,451 |
| Pretax return on assets | 1.2259% | 2,671 |
| Return on Equity (ROE) | 7.9586% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.6144% | 4,077 |
| Net charge-offs to loans | 0.2252% | 1,693 |
| Credit loss provision to net charge-offs | 122.0930% | 1,892 |
| Earnings coverage of net charge-offs (x) | 9.2141% | 2,696 |
| Efficiency ratio | 62.5511% | 4,805 |
| Assets per employee ($millions) | 4.6483% | 2,739 |
| Cash dividends to net income (ytd only)* | 54.5851% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 3,555 |
| Loan loss allowance to noncurrent loans | 197.0704% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 2,312 |
| Noncurrent loans to loans | 0.6693% | 3,935 |
| Net loans and leases to total assets | 67.1084% | 2,666 |
| Net loans and leases to deposits | 79.8687% | 2,709 |
| Net loans and leases to core deposits | 83.7542% | 2,907 |
| Total domestic deposits to total assets | 84.0234% | 3,749 |
| Equity capital to assets | 10.6068% | 3,425 |
| Core capital (leverage) ratio | 9.9415% | 3,753 |
| Tier 1 risk-based capital ratio | 13.3321% | 4,657 |
| Total risk-based capital ratio | 14.5357% | 4,618 |
| Memoranda: | ||
| Average total assets | $897,192,250 | 747 |
| Average earning assets | $820,274,250 | 748 |
| Average equity | $92,073,750 | 806 |
| Average total loans | $610,957,250 | 719 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,656 |
| Cost of funding earning assets | 0.5220% | 2,617 |
| Net interest margin | 3.4974% | 3,799 |
| Noninterest income to average assets | 0.5781% | 2,942 |
| Noninterest expense to average assets | 2.4084% | 4,857 |
| Loan and lease loss provision to assets | 0.2067% | 1,153 |
| Net operating income to assets | 0.7713% | 3,460 |
| Return on assets (ROA) | 0.7713% | 3,566 |
| Pretax return on assets | 1.1580% | 2,841 |
| Return on Equity (ROE) | 7.6000% | 3,319 |
| Retained earnings to average equity (ytd only) | 3.2145% | 4,156 |
| Net charge-offs to loans | 0.2048% | 1,797 |
| Credit loss provision to net charge-offs | 148.1659% | 1,469 |
| Earnings coverage of net charge-offs (x) | 9.7815% | 2,322 |
| Efficiency ratio | 63.7591% | 4,729 |
| Assets per employee ($millions) | 4.8082% | 2,464 |
| Cash dividends to net income (ytd only)* | 57.7034% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 3,598 |
| Loan loss allowance to noncurrent loans | 162.4246% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4451% | 2,255 |
| Noncurrent loans to loans | 0.8297% | 3,625 |
| Net loans and leases to total assets | 65.4230% | 2,847 |
| Net loans and leases to deposits | 77.5815% | 2,853 |
| Net loans and leases to core deposits | 81.3467% | 3,056 |
| Total domestic deposits to total assets | 84.3281% | 3,808 |
| Equity capital to assets | 10.3075% | 3,683 |
| Core capital (leverage) ratio | 9.9257% | 3,711 |
| Tier 1 risk-based capital ratio | 13.3265% | 4,705 |
| Total risk-based capital ratio | 14.5552% | 4,650 |
| Memoranda: | ||
| Average total assets | $898,765,330 | 746 |
| Average earning assets | $821,068,000 | 749 |
| Average equity | $91,210,670 | 805 |
| Average total loans | $612,300,000 | 709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 3,435 |
| Cost of funding earning assets | 0.5205% | 2,713 |
| Net interest margin | 3.5410% | 3,515 |
| Noninterest income to average assets | 0.5624% | 2,966 |
| Noninterest expense to average assets | 2.5017% | 4,620 |
| Loan and lease loss provision to assets | 0.2009% | 1,162 |
| Net operating income to assets | 0.7222% | 3,576 |
| Return on assets (ROA) | 0.7222% | 3,662 |
| Pretax return on assets | 1.0998% | 2,899 |
| Return on Equity (ROE) | 7.1729% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.7397% | 4,447 |
| Net charge-offs to loans | 0.0349% | 2,903 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 53.9630% | 714 |
| Efficiency ratio | 65.7237% | 4,573 |
| Assets per employee ($millions) | 4.7958% | 2,518 |
| Cash dividends to net income (ytd only)* | 61.8047% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,891 |
| Loan loss allowance to noncurrent loans | 149.1151% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 2,337 |
| Noncurrent loans to loans | 0.9002% | 3,633 |
| Net loans and leases to total assets | 66.6234% | 2,460 |
| Net loans and leases to deposits | 78.7216% | 2,457 |
| Net loans and leases to core deposits | 82.5183% | 2,689 |
| Total domestic deposits to total assets | 84.6318% | 4,031 |
| Equity capital to assets | 10.0937% | 3,732 |
| Core capital (leverage) ratio | 9.8409% | 3,806 |
| Tier 1 risk-based capital ratio | 12.9715% | 5,021 |
| Total risk-based capital ratio | 14.1934% | 4,974 |
| Memoranda: | ||
| Average total assets | $896,173,000 | 755 |
| Average earning assets | $819,995,000 | 754 |
| Average equity | $90,228,500 | 814 |
| Average total loans | $618,715,000 | 697 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 3,208 |
| Cost of funding earning assets | 0.6051% | 2,614 |
| Net interest margin | 3.6324% | 3,321 |
| Noninterest income to average assets | 0.7269% | 2,397 |
| Noninterest expense to average assets | 2.6381% | 4,325 |
| Loan and lease loss provision to assets | 0.2289% | 1,584 |
| Net operating income to assets | 0.7691% | 3,450 |
| Return on assets (ROA) | 0.7691% | 3,543 |
| Pretax return on assets | 1.1582% | 2,736 |
| Return on Equity (ROE) | 7.6835% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.7576% | 3,537 |
| Net charge-offs to loans | 0.1509% | 3,293 |
| Credit loss provision to net charge-offs | 222.5983% | 1,025 |
| Earnings coverage of net charge-offs (x) | 13.4880% | 2,019 |
| Efficiency ratio | 65.4710% | 4,660 |
| Assets per employee ($millions) | 4.4096% | 3,066 |
| Cash dividends to net income (ytd only)* | 51.0949% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,452 |
| Loan loss allowance to noncurrent loans | 132.3294% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 2,177 |
| Noncurrent loans to loans | 0.9350% | 3,652 |
| Net loans and leases to total assets | 69.6947% | 2,071 |
| Net loans and leases to deposits | 82.3517% | 2,147 |
| Net loans and leases to core deposits | 86.3931% | 2,402 |
| Total domestic deposits to total assets | 84.6306% | 3,913 |
| Equity capital to assets | 10.0424% | 3,709 |
| Core capital (leverage) ratio | 9.7180% | 3,965 |
| Tier 1 risk-based capital ratio | 12.3673% | 5,388 |
| Total risk-based capital ratio | 13.4841% | 5,400 |
| Memoranda: | ||
| Average total assets | $890,654,800 | 740 |
| Average earning assets | $808,750,800 | 740 |
| Average equity | $89,152,000 | 790 |
| Average total loans | $606,867,800 | 687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,215 |
| Cost of funding earning assets | 0.6248% | 2,608 |
| Net interest margin | 3.6231% | 3,344 |
| Noninterest income to average assets | 0.6988% | 2,615 |
| Noninterest expense to average assets | 2.6439% | 4,229 |
| Loan and lease loss provision to assets | 0.2367% | 1,521 |
| Net operating income to assets | 0.7249% | 3,730 |
| Return on assets (ROA) | 0.7249% | 3,852 |
| Pretax return on assets | 1.0999% | 3,108 |
| Return on Equity (ROE) | 7.2475% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.3558% | 4,292 |
| Net charge-offs to loans | 0.0838% | 3,753 |
| Credit loss provision to net charge-offs | 418.2540% | 640 |
| Earnings coverage of net charge-offs (x) | 23.6189% | 1,460 |
| Efficiency ratio | 66.3545% | 4,423 |
| Assets per employee ($millions) | 4.5413% | 2,814 |
| Cash dividends to net income (ytd only)* | 53.6968% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,575 |
| Loan loss allowance to noncurrent loans | 104.8579% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 2.7004% | 1,395 |
| Noncurrent loans to loans | 1.2050% | 3,411 |
| Net loans and leases to total assets | 68.9757% | 2,147 |
| Net loans and leases to deposits | 81.3030% | 2,228 |
| Net loans and leases to core deposits | 85.6664% | 2,446 |
| Total domestic deposits to total assets | 84.8378% | 3,824 |
| Equity capital to assets | 9.8191% | 4,152 |
| Core capital (leverage) ratio | 9.5801% | 4,283 |
| Tier 1 risk-based capital ratio | 12.1190% | 5,707 |
| Total risk-based capital ratio | 13.2396% | 5,725 |
| Memoranda: | ||
| Average total assets | $890,633,500 | 746 |
| Average earning assets | $806,685,500 | 750 |
| Average equity | $89,077,000 | 798 |
| Average total loans | $601,440,750 | 694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,497 |
| Cost of funding earning assets | 0.6442% | 2,553 |
| Net interest margin | 3.5173% | 3,709 |
| Noninterest income to average assets | 0.7824% | 2,267 |
| Noninterest expense to average assets | 2.6782% | 4,115 |
| Loan and lease loss provision to assets | 0.2317% | 1,613 |
| Net operating income to assets | 0.7039% | 3,785 |
| Return on assets (ROA) | 0.7039% | 3,958 |
| Pretax return on assets | 1.0599% | 3,260 |
| Return on Equity (ROE) | 6.9949% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.2018% | 4,276 |
| Net charge-offs to loans | 0.0915% | 3,446 |
| Credit loss provision to net charge-offs | 379.4118% | 687 |
| Earnings coverage of net charge-offs (x) | 21.1507% | 1,427 |
| Efficiency ratio | 67.3962% | 4,288 |
| Assets per employee ($millions) | 4.3206% | 3,138 |
| Cash dividends to net income (ytd only)* | 54.2265% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 4,967 |
| Loan loss allowance to noncurrent loans | 103.3598% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.9625% | 1,375 |
| Noncurrent loans to loans | 1.1655% | 3,609 |
| Net loans and leases to total assets | 67.9825% | 2,234 |
| Net loans and leases to deposits | 80.6347% | 2,227 |
| Net loans and leases to core deposits | 84.7988% | 2,450 |
| Total domestic deposits to total assets | 84.3093% | 4,198 |
| Equity capital to assets | 9.8552% | 4,117 |
| Core capital (leverage) ratio | 9.4187% | 4,360 |
| Tier 1 risk-based capital ratio | 11.9731% | 5,804 |
| Total risk-based capital ratio | 13.0283% | 5,883 |
| Memoranda: | ||
| Average total assets | $890,813,000 | 742 |
| Average earning assets | $807,260,000 | 749 |
| Average equity | $89,636,330 | 789 |
| Average total loans | $594,652,330 | 700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 3,694 |
| Cost of funding earning assets | 0.6637% | 2,534 |
| Net interest margin | 3.4441% | 3,941 |
| Noninterest income to average assets | 0.7176% | 2,495 |
| Noninterest expense to average assets | 2.6208% | 4,333 |
| Loan and lease loss provision to assets | 0.2227% | 1,657 |
| Net operating income to assets | 0.6650% | 3,874 |
| Return on assets (ROA) | 0.6650% | 4,032 |
| Pretax return on assets | 0.9979% | 3,359 |
| Return on Equity (ROE) | 6.5410% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.0005% | 4,484 |
| Net charge-offs to loans | 0.1095% | 2,779 |
| Credit loss provision to net charge-offs | 309.3750% | 778 |
| Earnings coverage of net charge-offs (x) | 16.9563% | 1,342 |
| Efficiency ratio | 68.1541% | 4,281 |
| Assets per employee ($millions) | 4.3806% | 3,186 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,232 |
| Loan loss allowance to noncurrent loans | 61.5934% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 3.1467% | 1,396 |
| Noncurrent loans to loans | 1.9284% | 2,703 |
| Net loans and leases to total assets | 65.0632% | 2,533 |
| Net loans and leases to deposits | 77.8837% | 2,354 |
| Net loans and leases to core deposits | 82.1438% | 2,551 |
| Total domestic deposits to total assets | 83.5388% | 4,654 |
| Equity capital to assets | 10.1299% | 3,974 |
| Core capital (leverage) ratio | 9.5732% | 3,969 |
| Tier 1 risk-based capital ratio | 12.6640% | 5,460 |
| Total risk-based capital ratio | 13.7261% | 5,540 |
| Memoranda: | ||
| Average total assets | $889,040,000 | 745 |
| Average earning assets | $806,369,000 | 758 |
| Average equity | $90,384,000 | 789 |
| Average total loans | $584,267,500 | 718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 4,649 |
| Cost of funding earning assets | 0.7964% | 2,695 |
| Net interest margin | 3.3886% | 4,925 |
| Noninterest income to average assets | 0.6694% | 2,884 |
| Noninterest expense to average assets | 2.6068% | 4,718 |
| Loan and lease loss provision to assets | 0.3341% | 2,020 |
| Net operating income to assets | 0.5618% | 4,421 |
| Return on assets (ROA) | 0.5675% | 4,651 |
| Pretax return on assets | 0.8364% | 4,160 |
| Return on Equity (ROE) | 5.4947% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.6095% | 5,064 |
| Net charge-offs to loans | 0.6890% | 1,713 |
| Credit loss provision to net charge-offs | 74.9293% | 4,013 |
| Earnings coverage of net charge-offs (x) | 2.6063% | 4,120 |
| Efficiency ratio | 69.1023% | 3,955 |
| Assets per employee ($millions) | 4.6065% | 2,770 |
| Cash dividends to net income (ytd only)* | 70.7071% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,356 |
| Loan loss allowance to noncurrent loans | 58.6669% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 3.1323% | 1,496 |
| Noncurrent loans to loans | 1.9551% | 2,741 |
| Net loans and leases to total assets | 64.8390% | 2,749 |
| Net loans and leases to deposits | 78.5661% | 2,455 |
| Net loans and leases to core deposits | 83.3055% | 2,632 |
| Total domestic deposits to total assets | 82.5279% | 4,921 |
| Equity capital to assets | 10.2034% | 3,886 |
| Core capital (leverage) ratio | 9.4485% | 4,184 |
| Tier 1 risk-based capital ratio | 12.6562% | 5,359 |
| Total risk-based capital ratio | 13.6755% | 5,481 |
| Memoranda: | ||
| Average total assets | $872,226,600 | 755 |
| Average earning assets | $797,798,200 | 748 |
| Average equity | $90,087,400 | 773 |
| Average total loans | $564,435,400 | 735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 4,858 |
| Cost of funding earning assets | 0.8101% | 2,862 |
| Net interest margin | 3.3781% | 5,102 |
| Noninterest income to average assets | 0.8624% | 1,974 |
| Noninterest expense to average assets | 2.4874% | 5,123 |
| Loan and lease loss provision to assets | 0.3608% | 1,797 |
| Net operating income to assets | 0.7227% | 3,811 |
| Return on assets (ROA) | 0.7283% | 4,028 |
| Pretax return on assets | 1.1204% | 3,272 |
| Return on Equity (ROE) | 7.0301% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.1804% | 4,631 |
| Net charge-offs to loans | 0.8770% | 1,250 |
| Credit loss provision to net charge-offs | 63.7917% | 4,058 |
| Earnings coverage of net charge-offs (x) | 2.6035% | 3,999 |
| Efficiency ratio | 62.7566% | 5,021 |
| Assets per employee ($millions) | 4.5697% | 2,794 |
| Cash dividends to net income (ytd only)* | 54.7599% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,660 |
| Loan loss allowance to noncurrent loans | 63.8920% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 3.3567% | 1,507 |
| Noncurrent loans to loans | 1.7443% | 3,166 |
| Net loans and leases to total assets | 63.9840% | 3,030 |
| Net loans and leases to deposits | 77.8457% | 2,683 |
| Net loans and leases to core deposits | 82.9513% | 2,831 |
| Total domestic deposits to total assets | 82.1933% | 4,952 |
| Equity capital to assets | 10.4623% | 3,891 |
| Core capital (leverage) ratio | 9.6345% | 4,070 |
| Tier 1 risk-based capital ratio | 12.7961% | 5,411 |
| Total risk-based capital ratio | 13.7634% | 5,591 |
| Memoranda: | ||
| Average total assets | $869,173,500 | 761 |
| Average earning assets | $796,967,250 | 752 |
| Average equity | $90,048,500 | 777 |
| Average total loans | $560,515,500 | 743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 4,946 |
| Cost of funding earning assets | 0.8219% | 3,013 |
| Net interest margin | 3.3801% | 5,163 |
| Noninterest income to average assets | 0.8159% | 2,113 |
| Noninterest expense to average assets | 2.4181% | 5,387 |
| Loan and lease loss provision to assets | 0.3302% | 1,990 |
| Net operating income to assets | 0.7668% | 3,526 |
| Return on assets (ROA) | 0.7754% | 3,755 |
| Pretax return on assets | 1.1920% | 2,957 |
| Return on Equity (ROE) | 7.5090% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.7154% | 4,128 |
| Net charge-offs to loans | 0.1488% | 3,721 |
| Credit loss provision to net charge-offs | 344.4712% | 856 |
| Earnings coverage of net charge-offs (x) | 15.7428% | 1,632 |
| Efficiency ratio | 61.5209% | 5,325 |
| Assets per employee ($millions) | 4.6250% | 2,673 |
| Cash dividends to net income (ytd only)* | 50.5201% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 3,905 |
| Loan loss allowance to noncurrent loans | 32.6264% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 3.7584% | 1,381 |
| Noncurrent loans to loans | 4.6687% | 1,110 |
| Net loans and leases to total assets | 63.6088% | 3,123 |
| Net loans and leases to deposits | 77.4838% | 2,755 |
| Net loans and leases to core deposits | 83.9313% | 2,697 |
| Total domestic deposits to total assets | 82.0931% | 5,092 |
| Equity capital to assets | 10.3049% | 3,931 |
| Core capital (leverage) ratio | 9.4362% | 4,237 |
| Tier 1 risk-based capital ratio | 13.1069% | 5,109 |
| Total risk-based capital ratio | 14.3584% | 5,086 |
| Memoranda: | ||
| Average total assets | $867,961,000 | 764 |
| Average earning assets | $798,922,000 | 755 |
| Average equity | $89,626,000 | 775 |
| Average total loans | $559,103,000 | 745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 5,095 |
| Cost of funding earning assets | 0.8414% | 3,136 |
| Net interest margin | 3.3607% | 5,260 |
| Noninterest income to average assets | 0.7819% | 2,252 |
| Noninterest expense to average assets | 2.4249% | 5,390 |
| Loan and lease loss provision to assets | 0.3112% | 2,022 |
| Net operating income to assets | 0.7387% | 3,687 |
| Return on assets (ROA) | 0.7387% | 3,923 |
| Pretax return on assets | 1.1426% | 3,151 |
| Return on Equity (ROE) | 7.1465% | 3,691 |
| Retained earnings to average equity (ytd only) | 3.5576% | 4,447 |
| Net charge-offs to loans | 0.0764% | 3,732 |
| Credit loss provision to net charge-offs | 633.0189% | 543 |
| Earnings coverage of net charge-offs (x) | 29.5755% | 929 |
| Efficiency ratio | 62.4940% | 5,190 |
| Assets per employee ($millions) | 4.8015% | 2,504 |
| Cash dividends to net income (ytd only)* | 50.2197% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,269 |
| Loan loss allowance to noncurrent loans | 32.8522% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 3.5139% | 1,631 |
| Noncurrent loans to loans | 4.4971% | 1,299 |
| Net loans and leases to total assets | 61.5162% | 3,351 |
| Net loans and leases to deposits | 74.8888% | 2,989 |
| Net loans and leases to core deposits | 83.0249% | 2,683 |
| Total domestic deposits to total assets | 82.1434% | 5,246 |
| Equity capital to assets | 10.0665% | 4,045 |
| Core capital (leverage) ratio | 9.5856% | 3,933 |
| Tier 1 risk-based capital ratio | 13.1799% | 5,080 |
| Total risk-based capital ratio | 14.4307% | 5,049 |
| Memoranda: | ||
| Average total assets | $862,567,000 | 769 |
| Average earning assets | $794,837,500 | 758 |
| Average equity | $89,162,000 | 779 |
| Average total loans | $554,850,500 | 755 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 4,450 |
| Cost of funding earning assets | 1.0377% | 3,107 |
| Net interest margin | 3.6134% | 4,677 |
| Noninterest income to average assets | 0.8419% | 1,876 |
| Noninterest expense to average assets | 2.4616% | 5,593 |
| Loan and lease loss provision to assets | 0.2350% | 3,852 |
| Net operating income to assets | 0.9853% | 2,257 |
| Return on assets (ROA) | 0.9853% | 2,399 |
| Pretax return on assets | 1.4770% | 1,542 |
| Return on Equity (ROE) | 9.3771% | 2,296 |
| Retained earnings to average equity (ytd only) | 5.2874% | 2,460 |
| Net charge-offs to loans | 0.2533% | 4,194 |
| Credit loss provision to net charge-offs | 136.8120% | 2,181 |
| Earnings coverage of net charge-offs (x) | 9.9671% | 1,904 |
| Efficiency ratio | 58.9810% | 5,902 |
| Assets per employee ($millions) | 4.5481% | 2,828 |
| Cash dividends to net income (ytd only)* | 43.6137% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,584 |
| Loan loss allowance to noncurrent loans | 45.5517% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.8472% | 2,125 |
| Noncurrent loans to loans | 3.0173% | 2,154 |
| Net loans and leases to total assets | 65.4167% | 2,896 |
| Net loans and leases to deposits | 80.3629% | 2,454 |
| Net loans and leases to core deposits | 85.9714% | 2,637 |
| Total domestic deposits to total assets | 81.4015% | 5,323 |
| Equity capital to assets | 10.6237% | 3,395 |
| Core capital (leverage) ratio | 9.8174% | 3,567 |
| Tier 1 risk-based capital ratio | 12.9918% | 5,074 |
| Total risk-based capital ratio | 14.2149% | 5,075 |
| Memoranda: | ||
| Average total assets | $814,509,200 | 802 |
| Average earning assets | $751,005,400 | 788 |
| Average equity | $85,581,200 | 786 |
| Average total loans | $552,378,200 | 761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 4,288 |
| Cost of funding earning assets | 1.0700% | 3,177 |
| Net interest margin | 3.6685% | 4,481 |
| Noninterest income to average assets | 0.7501% | 2,314 |
| Noninterest expense to average assets | 2.4836% | 5,521 |
| Loan and lease loss provision to assets | 0.2075% | 3,942 |
| Net operating income to assets | 0.9519% | 2,523 |
| Return on assets (ROA) | 0.9519% | 2,691 |
| Pretax return on assets | 1.4434% | 1,809 |
| Return on Equity (ROE) | 9.0853% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.9949% | 3,176 |
| Net charge-offs to loans | 0.1322% | 4,730 |
| Credit loss provision to net charge-offs | 230.1645% | 1,239 |
| Earnings coverage of net charge-offs (x) | 18.3107% | 1,308 |
| Efficiency ratio | 60.0702% | 5,709 |
| Assets per employee ($millions) | 4.6850% | 2,640 |
| Cash dividends to net income (ytd only)* | 45.0216% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 4,391 |
| Loan loss allowance to noncurrent loans | 68.4809% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 3,156 |
| Noncurrent loans to loans | 2.0973% | 3,249 |
| Net loans and leases to total assets | 64.7657% | 3,155 |
| Net loans and leases to deposits | 79.9063% | 2,667 |
| Net loans and leases to core deposits | 85.7359% | 2,814 |
| Total domestic deposits to total assets | 81.0521% | 5,416 |
| Equity capital to assets | 10.5991% | 3,573 |
| Core capital (leverage) ratio | 9.7583% | 3,761 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,992 |
| Total risk-based capital ratio | 14.3974% | 4,967 |
| Memoranda: | ||
| Average total assets | $808,923,000 | 817 |
| Average earning assets | $746,257,250 | 803 |
| Average equity | $84,750,250 | 797 |
| Average total loans | $551,705,000 | 771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 4,160 |
| Cost of funding earning assets | 1.0985% | 3,252 |
| Net interest margin | 3.6837% | 4,343 |
| Noninterest income to average assets | 0.6857% | 2,627 |
| Noninterest expense to average assets | 2.5088% | 5,501 |
| Loan and lease loss provision to assets | 0.2324% | 3,584 |
| Net operating income to assets | 0.8879% | 2,696 |
| Return on assets (ROA) | 0.8879% | 2,798 |
| Pretax return on assets | 1.3499% | 1,961 |
| Return on Equity (ROE) | 8.5087% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.4467% | 3,362 |
| Net charge-offs to loans | 0.0527% | 5,124 |
| Credit loss provision to net charge-offs | 638.3562% | 492 |
| Earnings coverage of net charge-offs (x) | 43.4658% | 702 |
| Efficiency ratio | 61.3237% | 5,681 |
| Assets per employee ($millions) | 4.6354% | 2,633 |
| Cash dividends to net income (ytd only)* | 47.7394% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 4,450 |
| Loan loss allowance to noncurrent loans | 75.4321% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.8525% | 3,436 |
| Noncurrent loans to loans | 1.8936% | 3,615 |
| Net loans and leases to total assets | 66.4476% | 2,939 |
| Net loans and leases to deposits | 81.7657% | 2,486 |
| Net loans and leases to core deposits | 88.4328% | 2,578 |
| Total domestic deposits to total assets | 81.2659% | 5,438 |
| Equity capital to assets | 10.4506% | 3,573 |
| Core capital (leverage) ratio | 9.7073% | 3,651 |
| Tier 1 risk-based capital ratio | 12.9136% | 4,987 |
| Total risk-based capital ratio | 14.1643% | 4,965 |
| Memoranda: | ||
| Average total assets | $802,146,670 | 839 |
| Average earning assets | $741,541,330 | 814 |
| Average equity | $83,702,670 | 805 |
| Average total loans | $553,974,330 | 776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 4,145 |
| Cost of funding earning assets | 1.1291% | 3,299 |
| Net interest margin | 3.6517% | 4,319 |
| Noninterest income to average assets | 0.6951% | 2,608 |
| Noninterest expense to average assets | 2.3869% | 5,921 |
| Loan and lease loss provision to assets | 0.3027% | 2,740 |
| Net operating income to assets | 0.9004% | 2,561 |
| Return on assets (ROA) | 0.9004% | 2,621 |
| Pretax return on assets | 1.3856% | 1,762 |
| Return on Equity (ROE) | 8.6354% | 2,639 |
| Retained earnings to average equity (ytd only) | 4.7652% | 3,327 |
| Net charge-offs to loans | 0.0483% | 4,458 |
| Credit loss provision to net charge-offs | 895.5224% | 432 |
| Earnings coverage of net charge-offs (x) | 49.9552% | 578 |
| Efficiency ratio | 58.5716% | 6,197 |
| Assets per employee ($millions) | 4.6631% | 2,634 |
| Cash dividends to net income (ytd only)* | 44.8179% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,663 |
| Loan loss allowance to noncurrent loans | 73.2261% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 3,427 |
| Noncurrent loans to loans | 1.9125% | 3,683 |
| Net loans and leases to total assets | 66.7373% | 2,829 |
| Net loans and leases to deposits | 82.1045% | 2,345 |
| Net loans and leases to core deposits | 90.6324% | 2,283 |
| Total domestic deposits to total assets | 81.2834% | 5,577 |
| Equity capital to assets | 10.3288% | 3,370 |
| Core capital (leverage) ratio | 9.7909% | 3,398 |
| Tier 1 risk-based capital ratio | 12.8119% | 4,968 |
| Total risk-based capital ratio | 14.0621% | 4,953 |
| Memoranda: | ||
| Average total assets | $792,990,500 | 846 |
| Average earning assets | $734,021,500 | 831 |
| Average equity | $82,682,500 | 804 |
| Average total loans | $554,424,000 | 787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 4,194 |
| Cost of funding earning assets | 1.3197% | 3,755 |
| Net interest margin | 3.7584% | 4,116 |
| Noninterest income to average assets | 0.9173% | 1,784 |
| Noninterest expense to average assets | 2.6013% | 5,407 |
| Loan and lease loss provision to assets | 0.4043% | 3,692 |
| Net operating income to assets | 0.9070% | 2,354 |
| Return on assets (ROA) | 0.9094% | 2,487 |
| Pretax return on assets | 1.3792% | 1,714 |
| Return on Equity (ROE) | 8.6511% | 2,445 |
| Retained earnings to average equity (ytd only) | 5.4378% | 2,155 |
| Net charge-offs to loans | 0.1754% | 5,271 |
| Credit loss provision to net charge-offs | 321.8201% | 805 |
| Earnings coverage of net charge-offs (x) | 14.1675% | 1,362 |
| Efficiency ratio | 59.3749% | 6,137 |
| Assets per employee ($millions) | 4.4276% | 2,977 |
| Cash dividends to net income (ytd only)* | 37.1429% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,185 |
| Loan loss allowance to noncurrent loans | 71.7354% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8868% | 3,503 |
| Noncurrent loans to loans | 1.7620% | 3,868 |
| Net loans and leases to total assets | 71.3116% | 2,233 |
| Net loans and leases to deposits | 87.8772% | 1,811 |
| Net loans and leases to core deposits | 96.1725% | 1,993 |
| Total domestic deposits to total assets | 81.1492% | 5,476 |
| Equity capital to assets | 10.5280% | 3,130 |
| Core capital (leverage) ratio | 9.8369% | 3,278 |
| Tier 1 risk-based capital ratio | 12.1541% | 5,333 |
| Total risk-based capital ratio | 13.2872% | 5,422 |
| Memoranda: | ||
| Average total assets | $769,723,400 | 881 |
| Average earning assets | $709,398,400 | 867 |
| Average equity | $80,915,000 | 814 |
| Average total loans | $551,335,000 | 816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 4,373 |
| Cost of funding earning assets | 1.3311% | 4,031 |
| Net interest margin | 3.7582% | 4,151 |
| Noninterest income to average assets | 0.8775% | 1,883 |
| Noninterest expense to average assets | 2.5525% | 5,503 |
| Loan and lease loss provision to assets | 0.4344% | 3,304 |
| Net operating income to assets | 0.8849% | 2,671 |
| Return on assets (ROA) | 0.8881% | 2,800 |
| Pretax return on assets | 1.3560% | 2,017 |
| Return on Equity (ROE) | 8.4512% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.4748% | 2,666 |
| Net charge-offs to loans | 0.1578% | 5,054 |
| Credit loss provision to net charge-offs | 385.2080% | 807 |
| Earnings coverage of net charge-offs (x) | 15.8336% | 1,417 |
| Efficiency ratio | 58.8400% | 6,137 |
| Assets per employee ($millions) | 4.3857% | 3,099 |
| Cash dividends to net income (ytd only)* | 35.2181% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 5,348 |
| Loan loss allowance to noncurrent loans | 70.2007% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 3,489 |
| Noncurrent loans to loans | 1.7505% | 4,015 |
| Net loans and leases to total assets | 71.0162% | 2,486 |
| Net loans and leases to deposits | 89.3394% | 1,811 |
| Net loans and leases to core deposits | 98.1035% | 2,028 |
| Total domestic deposits to total assets | 79.4903% | 5,871 |
| Equity capital to assets | 10.7335% | 3,248 |
| Core capital (leverage) ratio | 9.8838% | 3,379 |
| Tier 1 risk-based capital ratio | 12.1710% | 5,303 |
| Total risk-based capital ratio | 13.2752% | 5,406 |
| Memoranda: | ||
| Average total assets | $767,337,750 | 880 |
| Average earning assets | $706,570,250 | 873 |
| Average equity | $80,633,500 | 816 |
| Average total loans | $548,463,500 | 828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 4,520 |
| Cost of funding earning assets | 1.3408% | 4,247 |
| Net interest margin | 3.7463% | 4,150 |
| Noninterest income to average assets | 0.8435% | 1,907 |
| Noninterest expense to average assets | 2.5781% | 5,418 |
| Loan and lease loss provision to assets | 0.3925% | 3,364 |
| Net operating income to assets | 0.8833% | 2,610 |
| Return on assets (ROA) | 0.8882% | 2,716 |
| Pretax return on assets | 1.3272% | 2,010 |
| Return on Equity (ROE) | 8.5137% | 2,659 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,605 |
| Net charge-offs to loans | 0.2032% | 4,397 |
| Credit loss provision to net charge-offs | 270.8108% | 1,392 |
| Earnings coverage of net charge-offs (x) | 11.8144% | 1,726 |
| Efficiency ratio | 60.0889% | 6,031 |
| Assets per employee ($millions) | 4.3671% | 3,099 |
| Cash dividends to net income (ytd only)* | 35.2837% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 6,074 |
| Loan loss allowance to noncurrent loans | 79.4441% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 3,920 |
| Noncurrent loans to loans | 1.3484% | 4,691 |
| Net loans and leases to total assets | 70.6904% | 2,754 |
| Net loans and leases to deposits | 91.3476% | 1,644 |
| Net loans and leases to core deposits | 98.4230% | 2,183 |
| Total domestic deposits to total assets | 77.3861% | 6,415 |
| Equity capital to assets | 10.5768% | 3,311 |
| Core capital (leverage) ratio | 9.6672% | 3,582 |
| Tier 1 risk-based capital ratio | 12.0630% | 5,256 |
| Total risk-based capital ratio | 13.0274% | 5,478 |
| Memoranda: | ||
| Average total assets | $765,824,000 | 888 |
| Average earning assets | $704,636,000 | 874 |
| Average equity | $79,894,670 | 817 |
| Average total loans | $546,291,670 | 841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 4,617 |
| Cost of funding earning assets | 1.3877% | 4,258 |
| Net interest margin | 3.6949% | 4,268 |
| Noninterest income to average assets | 0.8601% | 1,771 |
| Noninterest expense to average assets | 2.5902% | 5,390 |
| Loan and lease loss provision to assets | 0.3542% | 3,251 |
| Net operating income to assets | 0.8769% | 2,648 |
| Return on assets (ROA) | 0.8769% | 2,725 |
| Pretax return on assets | 1.3151% | 2,014 |
| Return on Equity (ROE) | 8.4647% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,913 |
| Net charge-offs to loans | 0.0758% | 4,657 |
| Credit loss provision to net charge-offs | 655.3398% | 667 |
| Earnings coverage of net charge-offs (x) | 30.8835% | 851 |
| Efficiency ratio | 60.8106% | 6,031 |
| Assets per employee ($millions) | 4.2193% | 3,430 |
| Cash dividends to net income (ytd only)* | 35.9066% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 6,356 |
| Loan loss allowance to noncurrent loans | 71.7560% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.7161% | 3,900 |
| Noncurrent loans to loans | 1.4228% | 4,599 |
| Net loans and leases to total assets | 69.9559% | 2,948 |
| Net loans and leases to deposits | 92.9865% | 1,477 |
| Net loans and leases to core deposits | 102.9691% | 1,825 |
| Total domestic deposits to total assets | 75.2324% | 6,872 |
| Equity capital to assets | 10.3845% | 3,363 |
| Core capital (leverage) ratio | 9.7500% | 3,454 |
| Tier 1 risk-based capital ratio | 11.9543% | 5,245 |
| Total risk-based capital ratio | 12.8639% | 5,530 |
| Memoranda: | ||
| Average total assets | $762,243,500 | 911 |
| Average earning assets | $701,282,500 | 897 |
| Average equity | $78,963,500 | 835 |
| Average total loans | $543,266,000 | 863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 5,991 |
| Cost of funding earning assets | 2.0524% | 2,712 |
| Net interest margin | 3.0706% | 6,468 |
| Noninterest income to average assets | 0.9575% | 1,717 |
| Noninterest expense to average assets | 2.5435% | 5,974 |
| Loan and lease loss provision to assets | 0.1303% | 6,332 |
| Net operating income to assets | 0.7316% | 2,805 |
| Return on assets (ROA) | 0.7637% | 2,756 |
| Pretax return on assets | 1.1270% | 2,166 |
| Return on Equity (ROE) | 7.3291% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.1567% | 2,951 |
| Net charge-offs to loans | 0.0673% | 6,441 |
| Credit loss provision to net charge-offs | 269.3820% | 1,290 |
| Earnings coverage of net charge-offs (x) | 25.0169% | 889 |
| Efficiency ratio | 67.3641% | 5,119 |
| Assets per employee ($millions) | 4.4245% | 3,059 |
| Cash dividends to net income (ytd only)* | 56.9294% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,754 |
| Loan loss allowance to noncurrent loans | 66.0420% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 3,768 |
| Noncurrent loans to loans | 1.3836% | 4,607 |
| Net loans and leases to total assets | 71.2186% | 2,949 |
| Net loans and leases to deposits | 95.2504% | 1,426 |
| Net loans and leases to core deposits | 118.3094% | 2,093 |
| Total domestic deposits to total assets | 74.7698% | 6,901 |
| Equity capital to assets | 10.3338% | 3,363 |
| Core capital (leverage) ratio | 9.6026% | 3,592 |
| Tier 1 risk-based capital ratio | 11.6952% | 5,203 |
| Total risk-based capital ratio | 12.5054% | 5,612 |
| Memoranda: | ||
| Average total assets | $736,007,600 | 925 |
| Average earning assets | $670,199,000 | 928 |
| Average equity | $76,694,000 | 845 |
| Average total loans | $528,976,000 | 905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 6,212 |
| Cost of funding earning assets | 2.1189% | 2,807 |
| Net interest margin | 2.9971% | 6,620 |
| Noninterest income to average assets | 0.9660% | 1,718 |
| Noninterest expense to average assets | 2.5646% | 5,840 |
| Loan and lease loss provision to assets | 0.0972% | 6,394 |
| Net operating income to assets | 0.6992% | 3,213 |
| Return on assets (ROA) | 0.7324% | 3,154 |
| Pretax return on assets | 1.0756% | 2,652 |
| Return on Equity (ROE) | 7.0140% | 3,061 |
| Retained earnings to average equity (ytd only) | 2.8213% | 3,756 |
| Net charge-offs to loans | 0.0810% | 5,868 |
| Credit loss provision to net charge-offs | 167.0846% | 2,807 |
| Earnings coverage of net charge-offs (x) | 19.3136% | 1,301 |
| Efficiency ratio | 69.4248% | 4,708 |
| Assets per employee ($millions) | 4.4391% | 2,962 |
| Cash dividends to net income (ytd only)* | 59.7758% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 6,920 |
| Loan loss allowance to noncurrent loans | 69.4782% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6465% | 3,892 |
| Noncurrent loans to loans | 1.2398% | 4,876 |
| Net loans and leases to total assets | 70.2624% | 3,446 |
| Net loans and leases to deposits | 95.1734% | 1,685 |
| Net loans and leases to core deposits | 121.2543% | 2,138 |
| Total domestic deposits to total assets | 73.8257% | 6,983 |
| Equity capital to assets | 10.3770% | 3,645 |
| Core capital (leverage) ratio | 9.5405% | 3,855 |
| Tier 1 risk-based capital ratio | 11.7173% | 5,226 |
| Total risk-based capital ratio | 12.4753% | 5,670 |
| Memoranda: | ||
| Average total assets | $730,864,000 | 944 |
| Average earning assets | $663,904,750 | 942 |
| Average equity | $76,321,500 | 859 |
| Average total loans | $525,271,000 | 921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 6,379 |
| Cost of funding earning assets | 2.1832% | 2,868 |
| Net interest margin | 2.9295% | 6,737 |
| Noninterest income to average assets | 0.9815% | 1,657 |
| Noninterest expense to average assets | 2.6018% | 5,736 |
| Loan and lease loss provision to assets | 0.0903% | 6,269 |
| Net operating income to assets | 0.6515% | 3,461 |
| Return on assets (ROA) | 0.6919% | 3,405 |
| Pretax return on assets | 1.0030% | 3,000 |
| Return on Equity (ROE) | 6.6111% | 3,381 |
| Retained earnings to average equity (ytd only) | 2.3901% | 4,003 |
| Net charge-offs to loans | 0.0260% | 6,113 |
| Credit loss provision to net charge-offs | 480.8824% | 965 |
| Earnings coverage of net charge-offs (x) | 55.1176% | 642 |
| Efficiency ratio | 71.4394% | 4,520 |
| Assets per employee ($millions) | 4.1243% | 3,446 |
| Cash dividends to net income (ytd only)* | 63.8468% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 6,902 |
| Loan loss allowance to noncurrent loans | 120.9467% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 4,495 |
| Noncurrent loans to loans | 0.7200% | 5,797 |
| Net loans and leases to total assets | 70.9225% | 3,481 |
| Net loans and leases to deposits | 95.9084% | 1,813 |
| Net loans and leases to core deposits | 122.7550% | 2,134 |
| Total domestic deposits to total assets | 73.9482% | 6,954 |
| Equity capital to assets | 10.2044% | 3,712 |
| Core capital (leverage) ratio | 9.4240% | 3,998 |
| Tier 1 risk-based capital ratio | 11.4847% | 5,397 |
| Total risk-based capital ratio | 12.2429% | 5,817 |
| Memoranda: | ||
| Average total assets | $724,417,000 | 965 |
| Average earning assets | $656,568,000 | 971 |
| Average equity | $75,812,330 | 875 |
| Average total loans | $523,130,670 | 942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 6,691 |
| Cost of funding earning assets | 2.2270% | 3,027 |
| Net interest margin | 2.8577% | 6,858 |
| Noninterest income to average assets | 0.9454% | 1,666 |
| Noninterest expense to average assets | 2.4841% | 5,901 |
| Loan and lease loss provision to assets | 0.0822% | 5,911 |
| Net operating income to assets | 0.6715% | 3,700 |
| Return on assets (ROA) | 0.6715% | 3,882 |
| Pretax return on assets | 0.9706% | 3,464 |
| Return on Equity (ROE) | 6.3343% | 3,883 |
| Retained earnings to average equity (ytd only) | 2.1150% | 4,690 |
| Net charge-offs to loans | 0.0347% | 5,027 |
| Credit loss provision to net charge-offs | 326.6667% | 1,518 |
| Earnings coverage of net charge-offs (x) | 41.8444% | 817 |
| Efficiency ratio | 70.1233% | 4,552 |
| Assets per employee ($millions) | 4.1017% | 3,455 |
| Cash dividends to net income (ytd only)* | 66.6112% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,948 |
| Loan loss allowance to noncurrent loans | 203.1833% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 4,561 |
| Noncurrent loans to loans | 0.4204% | 6,368 |
| Net loans and leases to total assets | 69.4634% | 3,805 |
| Net loans and leases to deposits | 95.0472% | 2,101 |
| Net loans and leases to core deposits | 122.0481% | 2,250 |
| Total domestic deposits to total assets | 73.0831% | 7,034 |
| Equity capital to assets | 10.2133% | 3,754 |
| Core capital (leverage) ratio | 9.6576% | 3,808 |
| Tier 1 risk-based capital ratio | 11.4837% | 5,431 |
| Total risk-based capital ratio | 12.2221% | 5,831 |
| Memoranda: | ||
| Average total assets | $715,438,000 | 978 |
| Average earning assets | $648,765,500 | 990 |
| Average equity | $75,841,000 | 879 |
| Average total loans | $519,128,000 | 959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 6,270 |
| Cost of funding earning assets | 2.6948% | 3,179 |
| Net interest margin | 3.1532% | 6,512 |
| Noninterest income to average assets | 0.9605% | 1,723 |
| Noninterest expense to average assets | 2.6022% | 5,642 |
| Loan and lease loss provision to assets | 0.0668% | 6,558 |
| Net operating income to assets | 0.7891% | 3,485 |
| Return on assets (ROA) | 0.8035% | 3,257 |
| Pretax return on assets | 1.1430% | 2,862 |
| Return on Equity (ROE) | 7.0488% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.3093% | 2,435 |
| Net charge-offs to loans | 0.0719% | 5,736 |
| Credit loss provision to net charge-offs | 127.7612% | 4,177 |
| Earnings coverage of net charge-offs (x) | 22.7343% | 1,457 |
| Efficiency ratio | 67.9049% | 4,738 |
| Assets per employee ($millions) | 3.8448% | 3,865 |
| Cash dividends to net income (ytd only)* | 38.8651% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,912 |
| Loan loss allowance to noncurrent loans | 219.7282% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 3,885 |
| Noncurrent loans to loans | 0.3856% | 6,185 |
| Net loans and leases to total assets | 74.6487% | 2,955 |
| Net loans and leases to deposits | 109.8845% | 841 |
| Net loans and leases to core deposits | 131.6481% | 1,750 |
| Total domestic deposits to total assets | 67.9338% | 7,476 |
| Equity capital to assets | 11.0231% | 3,023 |
| Core capital (leverage) ratio | 10.3290% | 3,145 |
| Tier 1 risk-based capital ratio | 11.8510% | 4,942 |
| Total risk-based capital ratio | 12.6001% | 5,291 |
| Memoranda: | ||
| Average total assets | $640,409,000 | 1,045 |
| Average earning assets | $574,963,000 | 1,074 |
| Average equity | $73,005,400 | 911 |
| Average total loans | $465,689,200 | 1,039 |