Home > First National Bank South Dakota > Performance and Condition Ratios
First National Bank South Dakota, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 5,871 |
| Cost of funding earning assets | 0.2381% | 5,603 |
| Net interest margin | 3.0123% | 5,486 |
| Noninterest income to average assets | 0.6609% | 2,480 |
| Noninterest expense to average assets | 2.3172% | 5,113 |
| Loan and lease loss provision to assets | -0.0933% | 6,366 |
| Net operating income to assets | 0.6524% | 4,082 |
| Return on assets (ROA) | 0.6524% | 4,183 |
| Pretax return on assets | 1.0181% | 3,405 |
| Return on Equity (ROE) | 5.9807% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.9807% | 2,335 |
| Net charge-offs to loans | -0.0494% | 5,866 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4729% | 3,436 |
| Assets per employee ($millions) | 6.2585% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 6,141 |
| Loan loss allowance to noncurrent loans | 174.0056% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,127 |
| Noncurrent loans to loans | 0.4129% | 4,750 |
| Net loans and leases to total assets | 68.0810% | 2,400 |
| Net loans and leases to deposits | 76.9329% | 2,940 |
| Net loans and leases to core deposits | 81.2821% | 3,064 |
| Total domestic deposits to total assets | 88.4940% | 1,643 |
| Equity capital to assets | 10.9664% | 2,910 |
| Core capital (leverage) ratio | 7.5956% | 6,277 |
| Tier 1 risk-based capital ratio | 13.5168% | 4,564 |
| Total risk-based capital ratio | 14.4837% | 4,698 |
| Memoranda: | ||
| Average total assets | $377,356,000 | 1,740 |
| Average earning assets | $323,340,670 | 1,859 |
| Average equity | $41,165,670 | 1,739 |
| Average total loans | $267,079,000 | 1,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 5,930 |
| Cost of funding earning assets | 0.2303% | 5,752 |
| Net interest margin | 3.0225% | 5,471 |
| Noninterest income to average assets | 0.6483% | 2,475 |
| Noninterest expense to average assets | 2.4619% | 4,753 |
| Loan and lease loss provision to assets | -0.0906% | 6,486 |
| Net operating income to assets | 0.5736% | 4,332 |
| Return on assets (ROA) | 0.5736% | 4,408 |
| Pretax return on assets | 0.9074% | 3,670 |
| Return on Equity (ROE) | 5.2725% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.2725% | 2,944 |
| Net charge-offs to loans | -0.0771% | 6,005 |
| Credit loss provision to net charge-offs | 163.4615% | 1,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0894% | 2,956 |
| Assets per employee ($millions) | 5.6378% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 6,184 |
| Loan loss allowance to noncurrent loans | 181.8013% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 5,191 |
| Noncurrent loans to loans | 0.4151% | 4,890 |
| Net loans and leases to total assets | 69.2096% | 2,029 |
| Net loans and leases to deposits | 78.3000% | 2,508 |
| Net loans and leases to core deposits | 82.3060% | 2,708 |
| Total domestic deposits to total assets | 88.3903% | 1,999 |
| Equity capital to assets | 11.0532% | 2,676 |
| Core capital (leverage) ratio | 7.3468% | 6,389 |
| Tier 1 risk-based capital ratio | 13.4164% | 4,755 |
| Total risk-based capital ratio | 14.4457% | 4,831 |
| Memoranda: | ||
| Average total assets | $375,151,000 | 1,754 |
| Average earning assets | $326,483,000 | 1,845 |
| Average equity | $40,815,500 | 1,749 |
| Average total loans | $269,723,000 | 1,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 6,235 |
| Cost of funding earning assets | 0.2596% | 5,911 |
| Net interest margin | 2.8465% | 5,903 |
| Noninterest income to average assets | 0.8094% | 2,035 |
| Noninterest expense to average assets | 2.5721% | 4,549 |
| Loan and lease loss provision to assets | -0.1131% | 6,504 |
| Net operating income to assets | 0.5786% | 4,367 |
| Return on assets (ROA) | 0.6330% | 4,213 |
| Pretax return on assets | 1.0222% | 3,257 |
| Return on Equity (ROE) | 5.4834% | 4,401 |
| Retained earnings to average equity (ytd only) | -20.3880% | 6,672 |
| Net charge-offs to loans | -0.0190% | 6,130 |
| Credit loss provision to net charge-offs | 928.2609% | 274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7328% | 2,819 |
| Assets per employee ($millions) | 5.3269% | 1,818 |
| Cash dividends to net income (ytd only)* | 471.8110% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 6,329 |
| Loan loss allowance to noncurrent loans | 169.2177% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 5,249 |
| Noncurrent loans to loans | 0.4201% | 4,943 |
| Net loans and leases to total assets | 73.4975% | 1,436 |
| Net loans and leases to deposits | 82.8630% | 2,083 |
| Net loans and leases to core deposits | 90.0149% | 2,024 |
| Total domestic deposits to total assets | 88.6975% | 1,804 |
| Equity capital to assets | 10.7092% | 2,926 |
| Core capital (leverage) ratio | 7.1536% | 6,490 |
| Tier 1 risk-based capital ratio | 12.9290% | 5,028 |
| Total risk-based capital ratio | 13.9587% | 5,115 |
| Memoranda: | ||
| Average total assets | $377,708,800 | 1,732 |
| Average earning assets | $343,268,200 | 1,740 |
| Average equity | $43,604,000 | 1,605 |
| Average total loans | $242,341,200 | 1,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 6,354 |
| Cost of funding earning assets | 0.2635% | 6,000 |
| Net interest margin | 2.8021% | 6,015 |
| Noninterest income to average assets | 0.8662% | 1,870 |
| Noninterest expense to average assets | 2.5791% | 4,466 |
| Loan and lease loss provision to assets | -0.1003% | 6,631 |
| Net operating income to assets | 0.5831% | 4,418 |
| Return on assets (ROA) | 0.6554% | 4,223 |
| Pretax return on assets | 1.0576% | 3,272 |
| Return on Equity (ROE) | 5.5760% | 4,433 |
| Retained earnings to average equity (ytd only) | -26.0626% | 6,785 |
| Net charge-offs to loans | 0.0120% | 4,901 |
| Credit loss provision to net charge-offs | -1,352.3810% | 6,236 |
| Earnings coverage of net charge-offs (x) | 113.8543% | 450 |
| Efficiency ratio | 75.3378% | 2,841 |
| Assets per employee ($millions) | 4.6532% | 2,639 |
| Cash dividends to net income (ytd only)* | 567.4040% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 6,374 |
| Loan loss allowance to noncurrent loans | 182.0264% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 5,389 |
| Noncurrent loans to loans | 0.4112% | 5,164 |
| Net loans and leases to total assets | 74.5258% | 1,210 |
| Net loans and leases to deposits | 84.9616% | 1,748 |
| Net loans and leases to core deposits | 92.9821% | 1,674 |
| Total domestic deposits to total assets | 87.7171% | 2,291 |
| Equity capital to assets | 11.0968% | 2,670 |
| Core capital (leverage) ratio | 7.3311% | 6,501 |
| Tier 1 risk-based capital ratio | 13.3828% | 4,849 |
| Total risk-based capital ratio | 14.4789% | 4,901 |
| Memoranda: | ||
| Average total assets | $377,583,750 | 1,744 |
| Average earning assets | $344,594,500 | 1,748 |
| Average equity | $44,379,250 | 1,590 |
| Average total loans | $232,935,500 | 1,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0099% | 6,439 |
| Cost of funding earning assets | 0.2656% | 6,073 |
| Net interest margin | 2.7443% | 6,108 |
| Noninterest income to average assets | 0.9430% | 1,683 |
| Noninterest expense to average assets | 2.5491% | 4,565 |
| Loan and lease loss provision to assets | -0.0814% | 6,690 |
| Net operating income to assets | 0.6010% | 4,274 |
| Return on assets (ROA) | 0.7088% | 3,933 |
| Pretax return on assets | 1.1504% | 2,883 |
| Return on Equity (ROE) | 5.9243% | 4,219 |
| Retained earnings to average equity (ytd only) | -31.5085% | 6,853 |
| Net charge-offs to loans | 0.0210% | 4,418 |
| Credit loss provision to net charge-offs | -673.9130% | 5,969 |
| Earnings coverage of net charge-offs (x) | 74.5652% | 606 |
| Efficiency ratio | 73.8965% | 3,154 |
| Assets per employee ($millions) | 4.5198% | 2,789 |
| Cash dividends to net income (ytd only)* | 631.8519% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 6,378 |
| Loan loss allowance to noncurrent loans | 177.5709% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 5,402 |
| Noncurrent loans to loans | 0.4435% | 5,152 |
| Net loans and leases to total assets | 74.5361% | 1,170 |
| Net loans and leases to deposits | 86.0566% | 1,574 |
| Net loans and leases to core deposits | 91.7470% | 1,733 |
| Total domestic deposits to total assets | 86.6130% | 3,053 |
| Equity capital to assets | 11.3937% | 2,382 |
| Core capital (leverage) ratio | 7.6185% | 6,407 |
| Tier 1 risk-based capital ratio | 14.0008% | 4,428 |
| Total risk-based capital ratio | 15.1529% | 4,459 |
| Memoranda: | ||
| Average total assets | $380,911,670 | 1,734 |
| Average earning assets | $347,921,670 | 1,736 |
| Average equity | $45,575,000 | 1,554 |
| Average total loans | $218,573,000 | 1,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9399% | 6,573 |
| Cost of funding earning assets | 0.2739% | 6,141 |
| Net interest margin | 2.6660% | 6,277 |
| Noninterest income to average assets | 1.2506% | 979 |
| Noninterest expense to average assets | 2.5810% | 4,466 |
| Loan and lease loss provision to assets | -0.2052% | 6,896 |
| Net operating income to assets | 0.8049% | 3,134 |
| Return on assets (ROA) | 0.9999% | 2,342 |
| Pretax return on assets | 1.6101% | 1,286 |
| Return on Equity (ROE) | 8.1696% | 2,890 |
| Retained earnings to average equity (ytd only) | -47.1211% | 6,958 |
| Net charge-offs to loans | 0.0785% | 3,056 |
| Credit loss provision to net charge-offs | -535.1351% | 5,497 |
| Earnings coverage of net charge-offs (x) | 28.7027% | 980 |
| Efficiency ratio | 70.1098% | 3,949 |
| Assets per employee ($millions) | 4.8278% | 2,442 |
| Cash dividends to net income (ytd only)* | 676.7876% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,646 |
| Loan loss allowance to noncurrent loans | 165.0696% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 5,483 |
| Noncurrent loans to loans | 0.6599% | 4,804 |
| Net loans and leases to total assets | 50.8506% | 4,872 |
| Net loans and leases to deposits | 58.0409% | 5,026 |
| Net loans and leases to core deposits | 61.5137% | 4,998 |
| Total domestic deposits to total assets | 87.6116% | 2,563 |
| Equity capital to assets | 11.6283% | 2,309 |
| Core capital (leverage) ratio | 7.8884% | 6,226 |
| Tier 1 risk-based capital ratio | 15.5570% | 3,498 |
| Total risk-based capital ratio | 16.7384% | 3,493 |
| Memoranda: | ||
| Average total assets | $386,054,000 | 1,734 |
| Average earning assets | $351,981,500 | 1,730 |
| Average equity | $47,248,500 | 1,524 |
| Average total loans | $188,637,500 | 2,129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 6,661 |
| Cost of funding earning assets | 0.3685% | 6,115 |
| Net interest margin | 2.8298% | 6,351 |
| Noninterest income to average assets | 0.7492% | 2,502 |
| Noninterest expense to average assets | 2.6799% | 4,474 |
| Loan and lease loss provision to assets | -0.3583% | 7,024 |
| Net operating income to assets | 0.6546% | 3,966 |
| Return on assets (ROA) | 0.6546% | 4,230 |
| Pretax return on assets | 1.0114% | 3,514 |
| Return on Equity (ROE) | 5.3470% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.3470% | 2,470 |
| Net charge-offs to loans | 0.0399% | 5,360 |
| Credit loss provision to net charge-offs | -1,956.1644% | 6,635 |
| Earnings coverage of net charge-offs (x) | 35.6575% | 883 |
| Efficiency ratio | 80.4050% | 2,099 |
| Assets per employee ($millions) | 4.3900% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,593 |
| Loan loss allowance to noncurrent loans | 177.0724% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 5,583 |
| Noncurrent loans to loans | 0.7390% | 4,702 |
| Net loans and leases to total assets | 45.7692% | 5,638 |
| Net loans and leases to deposits | 52.8783% | 5,746 |
| Net loans and leases to core deposits | 55.9890% | 5,716 |
| Total domestic deposits to total assets | 86.5558% | 3,073 |
| Equity capital to assets | 12.8348% | 1,528 |
| Core capital (leverage) ratio | 9.3839% | 4,277 |
| Tier 1 risk-based capital ratio | 18.1569% | 2,201 |
| Total risk-based capital ratio | 19.4234% | 2,164 |
| Memoranda: | ||
| Average total assets | $398,557,200 | 1,641 |
| Average earning assets | $363,907,800 | 1,642 |
| Average equity | $48,794,000 | 1,442 |
| Average total loans | $182,800,000 | 2,167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 6,736 |
| Cost of funding earning assets | 0.3895% | 6,177 |
| Net interest margin | 2.8983% | 6,363 |
| Noninterest income to average assets | 0.7230% | 2,605 |
| Noninterest expense to average assets | 2.7677% | 4,098 |
| Loan and lease loss provision to assets | -0.4960% | 7,143 |
| Net operating income to assets | 0.7111% | 3,867 |
| Return on assets (ROA) | 0.7111% | 4,102 |
| Pretax return on assets | 1.1042% | 3,342 |
| Return on Equity (ROE) | 5.8774% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.8774% | 2,778 |
| Net charge-offs to loans | 0.0131% | 5,518 |
| Credit loss provision to net charge-offs | -8,277.7778% | 6,699 |
| Earnings coverage of net charge-offs (x) | 101.4975% | 415 |
| Efficiency ratio | 81.9840% | 1,808 |
| Assets per employee ($millions) | 4.2240% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,499 |
| Loan loss allowance to noncurrent loans | 280.0948% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 6,043 |
| Noncurrent loans to loans | 0.4891% | 5,468 |
| Net loans and leases to total assets | 44.7720% | 5,896 |
| Net loans and leases to deposits | 51.9313% | 5,981 |
| Net loans and leases to core deposits | 55.4460% | 5,929 |
| Total domestic deposits to total assets | 86.2138% | 3,141 |
| Equity capital to assets | 13.0968% | 1,549 |
| Core capital (leverage) ratio | 9.3261% | 4,536 |
| Tier 1 risk-based capital ratio | 19.2877% | 1,925 |
| Total risk-based capital ratio | 20.5523% | 1,892 |
| Memoranda: | ||
| Average total assets | $400,519,000 | 1,650 |
| Average earning assets | $366,598,000 | 1,649 |
| Average equity | $48,455,750 | 1,466 |
| Average total loans | $183,201,000 | 2,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 6,776 |
| Cost of funding earning assets | 0.4132% | 6,198 |
| Net interest margin | 2.9395% | 6,359 |
| Noninterest income to average assets | 0.6732% | 2,814 |
| Noninterest expense to average assets | 2.6801% | 4,495 |
| Loan and lease loss provision to assets | -0.4351% | 7,197 |
| Net operating income to assets | 0.7169% | 3,775 |
| Return on assets (ROA) | 0.7169% | 4,045 |
| Pretax return on assets | 1.1181% | 3,238 |
| Return on Equity (ROE) | 6.0819% | 4,289 |
| Retained earnings to average equity (ytd only) | 6.0819% | 2,665 |
| Net charge-offs to loans | 0.0064% | 5,396 |
| Credit loss provision to net charge-offs | -14,766.6667% | 6,612 |
| Earnings coverage of net charge-offs (x) | 231.8333% | 185 |
| Efficiency ratio | 79.6905% | 2,236 |
| Assets per employee ($millions) | 4.3036% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 3,147 |
| Loan loss allowance to noncurrent loans | 308.1696% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 6,043 |
| Noncurrent loans to loans | 0.5580% | 5,398 |
| Net loans and leases to total assets | 43.9773% | 6,015 |
| Net loans and leases to deposits | 51.2217% | 6,085 |
| Net loans and leases to core deposits | 54.7234% | 6,045 |
| Total domestic deposits to total assets | 85.8569% | 3,424 |
| Equity capital to assets | 12.6335% | 1,732 |
| Core capital (leverage) ratio | 8.8630% | 5,106 |
| Tier 1 risk-based capital ratio | 18.8279% | 2,017 |
| Total risk-based capital ratio | 20.0962% | 1,992 |
| Memoranda: | ||
| Average total assets | $407,304,670 | 1,620 |
| Average earning assets | $372,719,330 | 1,623 |
| Average equity | $48,011,330 | 1,467 |
| Average total loans | $186,744,670 | 2,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 6,918 |
| Cost of funding earning assets | 0.4543% | 6,120 |
| Net interest margin | 2.8021% | 6,637 |
| Noninterest income to average assets | 0.6729% | 2,798 |
| Noninterest expense to average assets | 2.6686% | 4,551 |
| Loan and lease loss provision to assets | -0.2492% | 7,218 |
| Net operating income to assets | 0.5397% | 4,656 |
| Return on assets (ROA) | 0.5397% | 4,866 |
| Pretax return on assets | 0.8196% | 4,343 |
| Return on Equity (ROE) | 4.7360% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.7360% | 3,722 |
| Net charge-offs to loans | 0.1241% | 3,366 |
| Credit loss provision to net charge-offs | -433.3333% | 5,753 |
| Earnings coverage of net charge-offs (x) | 9.9167% | 1,800 |
| Efficiency ratio | 82.3912% | 1,887 |
| Assets per employee ($millions) | 4.7142% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 2,567 |
| Loan loss allowance to noncurrent loans | 154.8387% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 5,495 |
| Noncurrent loans to loans | 1.2510% | 4,244 |
| Net loans and leases to total assets | 43.3452% | 6,066 |
| Net loans and leases to deposits | 49.3214% | 6,192 |
| Net loans and leases to core deposits | 52.5710% | 6,160 |
| Total domestic deposits to total assets | 87.8831% | 2,409 |
| Equity capital to assets | 11.5130% | 2,431 |
| Core capital (leverage) ratio | 8.1733% | 6,068 |
| Tier 1 risk-based capital ratio | 17.9350% | 2,316 |
| Total risk-based capital ratio | 19.2045% | 2,283 |
| Memoranda: | ||
| Average total assets | $417,297,000 | 1,596 |
| Average earning assets | $382,140,000 | 1,587 |
| Average equity | $47,551,000 | 1,472 |
| Average total loans | $193,460,500 | 2,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 6,486 |
| Cost of funding earning assets | 0.6718% | 5,702 |
| Net interest margin | 3.3106% | 5,777 |
| Noninterest income to average assets | 0.0832% | 6,705 |
| Noninterest expense to average assets | 3.2584% | 2,661 |
| Loan and lease loss provision to assets | 0.5171% | 2,034 |
| Net operating income to assets | -0.4369% | 6,443 |
| Return on assets (ROA) | -0.3729% | 6,446 |
| Pretax return on assets | -0.6161% | 6,561 |
| Return on Equity (ROE) | -3.1747% | 6,426 |
| Retained earnings to average equity (ytd only) | -3.1747% | 6,294 |
| Net charge-offs to loans | 0.8106% | 2,124 |
| Credit loss provision to net charge-offs | 115.8186% | 2,809 |
| Earnings coverage of net charge-offs (x) | -0.4458% | 6,058 |
| Efficiency ratio | 106.5052% | 508 |
| Assets per employee ($millions) | 4.2398% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,562 |
| Loan loss allowance to noncurrent loans | 73.9213% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 4,143 |
| Noncurrent loans to loans | 2.5733% | 2,550 |
| Net loans and leases to total assets | 47.5717% | 5,868 |
| Net loans and leases to deposits | 53.9258% | 6,075 |
| Net loans and leases to core deposits | 57.8969% | 6,004 |
| Total domestic deposits to total assets | 88.2171% | 2,018 |
| Equity capital to assets | 11.2783% | 2,713 |
| Core capital (leverage) ratio | 8.1424% | 6,083 |
| Tier 1 risk-based capital ratio | 16.7583% | 2,714 |
| Total risk-based capital ratio | 18.0243% | 2,667 |
| Memoranda: | ||
| Average total assets | $404,978,400 | 1,603 |
| Average earning assets | $364,070,400 | 1,625 |
| Average equity | $47,563,800 | 1,426 |
| Average total loans | $223,058,000 | 1,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 6,209 |
| Cost of funding earning assets | 0.6973% | 5,785 |
| Net interest margin | 3.5000% | 5,188 |
| Noninterest income to average assets | 0.1043% | 6,730 |
| Noninterest expense to average assets | 3.3867% | 2,228 |
| Loan and lease loss provision to assets | 0.7436% | 1,285 |
| Net operating income to assets | -0.5187% | 6,646 |
| Return on assets (ROA) | -0.4326% | 6,650 |
| Pretax return on assets | -0.7579% | 6,763 |
| Return on Equity (ROE) | -3.6455% | 6,605 |
| Retained earnings to average equity (ytd only) | -3.6455% | 6,483 |
| Net charge-offs to loans | 0.7037% | 2,152 |
| Credit loss provision to net charge-offs | 186.0349% | 1,578 |
| Earnings coverage of net charge-offs (x) | -0.3724% | 5,788 |
| Efficiency ratio | 104.5972% | 535 |
| Assets per employee ($millions) | 3.9292% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2916% | 1,705 |
| Loan loss allowance to noncurrent loans | 72.4863% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4318% | 2,653 |
| Noncurrent loans to loans | 3.1614% | 2,196 |
| Net loans and leases to total assets | 49.1611% | 5,814 |
| Net loans and leases to deposits | 56.1473% | 6,021 |
| Net loans and leases to core deposits | 60.2370% | 5,973 |
| Total domestic deposits to total assets | 87.5575% | 2,319 |
| Equity capital to assets | 11.8916% | 2,338 |
| Core capital (leverage) ratio | 8.3075% | 5,966 |
| Tier 1 risk-based capital ratio | 16.6492% | 2,788 |
| Total risk-based capital ratio | 17.9200% | 2,742 |
| Memoranda: | ||
| Average total assets | $401,287,250 | 1,622 |
| Average earning assets | $359,267,000 | 1,650 |
| Average equity | $47,619,750 | 1,437 |
| Average total loans | $227,934,750 | 1,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 5,757 |
| Cost of funding earning assets | 0.7067% | 5,918 |
| Net interest margin | 3.6753% | 4,379 |
| Noninterest income to average assets | 0.1554% | 6,540 |
| Noninterest expense to average assets | 3.4320% | 2,175 |
| Loan and lease loss provision to assets | 1.4188% | 510 |
| Net operating income to assets | -0.8424% | 6,889 |
| Return on assets (ROA) | -0.7209% | 6,838 |
| Pretax return on assets | -1.2206% | 6,972 |
| Return on Equity (ROE) | -6.0790% | 6,783 |
| Retained earnings to average equity (ytd only) | -6.0790% | 6,660 |
| Net charge-offs to loans | 1.0427% | 1,510 |
| Credit loss provision to net charge-offs | 230.7942% | 1,302 |
| Earnings coverage of net charge-offs (x) | 0.0138% | 5,273 |
| Efficiency ratio | 99.7538% | 730 |
| Assets per employee ($millions) | 3.7958% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3868% | 1,613 |
| Loan loss allowance to noncurrent loans | 73.6023% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.7068% | 2,471 |
| Noncurrent loans to loans | 3.2428% | 2,201 |
| Net loans and leases to total assets | 53.3591% | 5,378 |
| Net loans and leases to deposits | 60.9226% | 5,624 |
| Net loans and leases to core deposits | 65.0131% | 5,609 |
| Total domestic deposits to total assets | 87.5851% | 2,420 |
| Equity capital to assets | 11.8727% | 2,195 |
| Core capital (leverage) ratio | 8.2686% | 5,919 |
| Tier 1 risk-based capital ratio | 15.3629% | 3,318 |
| Total risk-based capital ratio | 16.6346% | 3,254 |
| Memoranda: | ||
| Average total assets | $401,456,330 | 1,636 |
| Average earning assets | $358,832,670 | 1,667 |
| Average equity | $47,606,670 | 1,422 |
| Average total loans | $236,696,670 | 1,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 4,976 |
| Cost of funding earning assets | 0.7034% | 6,113 |
| Net interest margin | 3.8904% | 3,191 |
| Noninterest income to average assets | 0.7555% | 2,237 |
| Noninterest expense to average assets | 3.6822% | 1,569 |
| Loan and lease loss provision to assets | 2.0531% | 268 |
| Net operating income to assets | -0.8895% | 7,005 |
| Return on assets (ROA) | -0.8895% | 7,005 |
| Pretax return on assets | -1.5041% | 7,163 |
| Return on Equity (ROE) | -7.5057% | 6,937 |
| Retained earnings to average equity (ytd only) | -7.5057% | 6,711 |
| Net charge-offs to loans | 0.6826% | 1,848 |
| Credit loss provision to net charge-offs | 492.3810% | 731 |
| Earnings coverage of net charge-offs (x) | 1.3167% | 3,689 |
| Efficiency ratio | 87.0249% | 1,609 |
| Assets per employee ($millions) | 3.6254% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 1,792 |
| Loan loss allowance to noncurrent loans | 86.4981% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 2.2772% | 2,973 |
| Noncurrent loans to loans | 2.6387% | 2,857 |
| Net loans and leases to total assets | 55.6847% | 5,049 |
| Net loans and leases to deposits | 63.5096% | 5,325 |
| Net loans and leases to core deposits | 68.1106% | 5,274 |
| Total domestic deposits to total assets | 87.6792% | 2,565 |
| Equity capital to assets | 11.7441% | 2,083 |
| Core capital (leverage) ratio | 8.3563% | 5,704 |
| Tier 1 risk-based capital ratio | 14.0329% | 4,052 |
| Total risk-based capital ratio | 15.2998% | 4,022 |
| Memoranda: | ||
| Average total assets | $402,907,500 | 1,638 |
| Average earning assets | $359,965,500 | 1,669 |
| Average equity | $47,750,500 | 1,400 |
| Average total loans | $246,112,500 | 1,751 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 2,199 |
| Cost of funding earning assets | 0.8806% | 6,238 |
| Net interest margin | 4.6405% | 927 |
| Noninterest income to average assets | 0.6628% | 3,065 |
| Noninterest expense to average assets | 3.1537% | 3,260 |
| Loan and lease loss provision to assets | 1.4109% | 1,065 |
| Net operating income to assets | 0.1472% | 5,451 |
| Return on assets (ROA) | 0.1830% | 5,493 |
| Pretax return on assets | 0.2522% | 5,350 |
| Return on Equity (ROE) | 1.4195% | 5,577 |
| Retained earnings to average equity (ytd only) | 1.4195% | 4,820 |
| Net charge-offs to loans | 2.1848% | 895 |
| Credit loss provision to net charge-offs | 86.7193% | 5,252 |
| Earnings coverage of net charge-offs (x) | 0.9921% | 5,115 |
| Efficiency ratio | 66.1447% | 4,940 |
| Assets per employee ($millions) | 3.6342% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,681 |
| Loan loss allowance to noncurrent loans | 66.0892% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 3,339 |
| Noncurrent loans to loans | 2.0638% | 3,468 |
| Net loans and leases to total assets | 64.2840% | 3,809 |
| Net loans and leases to deposits | 73.4152% | 4,296 |
| Net loans and leases to core deposits | 78.9645% | 4,348 |
| Total domestic deposits to total assets | 87.5622% | 2,510 |
| Equity capital to assets | 11.9586% | 1,943 |
| Core capital (leverage) ratio | 8.8003% | 4,855 |
| Tier 1 risk-based capital ratio | 13.0149% | 4,588 |
| Total risk-based capital ratio | 14.2721% | 4,544 |
| Memoranda: | ||
| Average total assets | $404,479,600 | 1,634 |
| Average earning assets | $357,808,200 | 1,671 |
| Average equity | $52,129,200 | 1,282 |
| Average total loans | $301,219,400 | 1,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 1,801 |
| Cost of funding earning assets | 0.9339% | 6,258 |
| Net interest margin | 4.7396% | 765 |
| Noninterest income to average assets | 0.8127% | 2,164 |
| Noninterest expense to average assets | 3.1344% | 3,169 |
| Loan and lease loss provision to assets | 0.9204% | 1,637 |
| Net operating income to assets | 0.6204% | 3,792 |
| Return on assets (ROA) | 0.6634% | 3,749 |
| Pretax return on assets | 1.0044% | 3,168 |
| Return on Equity (ROE) | 5.0569% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.0569% | 2,949 |
| Net charge-offs to loans | 1.0673% | 1,903 |
| Credit loss provision to net charge-offs | 112.2990% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.2689% | 4,033 |
| Efficiency ratio | 62.7639% | 5,475 |
| Assets per employee ($millions) | 3.4877% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,272 |
| Loan loss allowance to noncurrent loans | 53.3229% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.8323% | 2,563 |
| Noncurrent loans to loans | 3.1234% | 2,554 |
| Net loans and leases to total assets | 73.3481% | 1,938 |
| Net loans and leases to deposits | 85.1397% | 2,496 |
| Net loans and leases to core deposits | 91.6728% | 2,852 |
| Total domestic deposits to total assets | 86.1503% | 3,004 |
| Equity capital to assets | 13.0227% | 1,563 |
| Core capital (leverage) ratio | 9.2257% | 4,327 |
| Tier 1 risk-based capital ratio | 12.7491% | 4,775 |
| Total risk-based capital ratio | 14.0095% | 4,746 |
| Memoranda: | ||
| Average total assets | $404,749,750 | 1,660 |
| Average earning assets | $357,066,250 | 1,697 |
| Average equity | $53,101,250 | 1,265 |
| Average total loans | $310,797,500 | 1,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 1,524 |
| Cost of funding earning assets | 0.9844% | 6,225 |
| Net interest margin | 4.7776% | 681 |
| Noninterest income to average assets | 0.8130% | 2,049 |
| Noninterest expense to average assets | 3.1050% | 3,291 |
| Loan and lease loss provision to assets | 0.0651% | 6,300 |
| Net operating income to assets | 1.1925% | 1,577 |
| Return on assets (ROA) | 1.2541% | 1,482 |
| Pretax return on assets | 1.9680% | 643 |
| Return on Equity (ROE) | 9.5368% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5368% | 957 |
| Net charge-offs to loans | 0.2984% | 3,828 |
| Credit loss provision to net charge-offs | 28.1513% | 5,762 |
| Earnings coverage of net charge-offs (x) | 8.3782% | 2,145 |
| Efficiency ratio | 61.5837% | 5,757 |
| Assets per employee ($millions) | 3.5287% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,615 |
| Loan loss allowance to noncurrent loans | 79.4214% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 3,781 |
| Noncurrent loans to loans | 1.7159% | 4,112 |
| Net loans and leases to total assets | 74.7498% | 1,752 |
| Net loans and leases to deposits | 88.4536% | 2,101 |
| Net loans and leases to core deposits | 95.5051% | 2,509 |
| Total domestic deposits to total assets | 84.5074% | 3,867 |
| Equity capital to assets | 14.2206% | 1,099 |
| Core capital (leverage) ratio | 10.7786% | 2,413 |
| Tier 1 risk-based capital ratio | 14.7616% | 3,283 |
| Total risk-based capital ratio | 16.0184% | 3,253 |
| Memoranda: | ||
| Average total assets | $411,784,330 | 1,651 |
| Average earning assets | $364,490,000 | 1,687 |
| Average equity | $54,148,000 | 1,227 |
| Average total loans | $319,009,000 | 1,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 1,695 |
| Cost of funding earning assets | 1.0731% | 6,023 |
| Net interest margin | 4.6492% | 870 |
| Noninterest income to average assets | 0.7774% | 2,135 |
| Noninterest expense to average assets | 3.0370% | 3,536 |
| Loan and lease loss provision to assets | 0.0201% | 6,443 |
| Net operating income to assets | 1.1516% | 1,675 |
| Return on assets (ROA) | 1.2727% | 1,427 |
| Pretax return on assets | 1.9985% | 607 |
| Return on Equity (ROE) | 10.0699% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.0699% | 1,125 |
| Net charge-offs to loans | 0.2443% | 3,481 |
| Credit loss provision to net charge-offs | 10.5000% | 5,041 |
| Earnings coverage of net charge-offs (x) | 9.5650% | 1,835 |
| Efficiency ratio | 62.4091% | 5,752 |
| Assets per employee ($millions) | 3.5548% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,704 |
| Loan loss allowance to noncurrent loans | 184.2876% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 5,042 |
| Noncurrent loans to loans | 0.7301% | 5,860 |
| Net loans and leases to total assets | 77.4628% | 1,257 |
| Net loans and leases to deposits | 90.6996% | 1,799 |
| Net loans and leases to core deposits | 97.9014% | 2,353 |
| Total domestic deposits to total assets | 85.4059% | 3,461 |
| Equity capital to assets | 13.6512% | 1,267 |
| Core capital (leverage) ratio | 10.0488% | 3,101 |
| Tier 1 risk-based capital ratio | 13.6329% | 3,907 |
| Total risk-based capital ratio | 14.8874% | 3,860 |
| Memoranda: | ||
| Average total assets | $418,307,500 | 1,664 |
| Average earning assets | $367,893,000 | 1,711 |
| Average equity | $52,870,500 | 1,268 |
| Average total loans | $327,426,500 | 1,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5032% | 132 |
| Cost of funding earning assets | 1.8644% | 3,655 |
| Net interest margin | 5.6389% | 162 |
| Noninterest income to average assets | 0.7730% | 2,547 |
| Noninterest expense to average assets | 3.0710% | 3,869 |
| Loan and lease loss provision to assets | 2.7036% | 697 |
| Net operating income to assets | -0.0645% | 5,609 |
| Return on assets (ROA) | -0.0645% | 5,631 |
| Pretax return on assets | -0.0785% | 5,570 |
| Return on Equity (ROE) | -0.5715% | 5,634 |
| Retained earnings to average equity (ytd only) | -4.4465% | 5,934 |
| Net charge-offs to loans | 2.0997% | 1,164 |
| Credit loss provision to net charge-offs | 161.6702% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.5698% | 4,567 |
| Efficiency ratio | 53.9134% | 7,239 |
| Assets per employee ($millions) | 3.7187% | 4,477 |
| Cash dividends to net income (ytd only)* | -677.9661% | 7,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1159% | 700 |
| Loan loss allowance to noncurrent loans | 107.1940% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 2.7158% | 2,574 |
| Noncurrent loans to loans | 2.9068% | 2,654 |
| Net loans and leases to total assets | 75.6121% | 1,897 |
| Net loans and leases to deposits | 88.6090% | 2,454 |
| Net loans and leases to core deposits | 112.3288% | 2,667 |
| Total domestic deposits to total assets | 85.3323% | 3,393 |
| Equity capital to assets | 11.6883% | 2,196 |
| Core capital (leverage) ratio | 8.2916% | 5,637 |
| Tier 1 risk-based capital ratio | 10.1425% | 6,751 |
| Total risk-based capital ratio | 11.4144% | 6,690 |
| Memoranda: | ||
| Average total assets | $457,577,800 | 1,511 |
| Average earning assets | $399,495,400 | 1,592 |
| Average equity | $51,614,200 | 1,296 |
| Average total loans | $364,432,200 | 1,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4406% | 159 |
| Cost of funding earning assets | 1.9443% | 3,642 |
| Net interest margin | 5.4963% | 185 |
| Noninterest income to average assets | 0.8204% | 2,332 |
| Noninterest expense to average assets | 3.0988% | 3,653 |
| Loan and lease loss provision to assets | 2.3387% | 725 |
| Net operating income to assets | 0.1451% | 5,334 |
| Return on assets (ROA) | 0.1451% | 5,402 |
| Pretax return on assets | 0.1718% | 5,359 |
| Return on Equity (ROE) | 1.2970% | 5,407 |
| Retained earnings to average equity (ytd only) | -3.8397% | 6,085 |
| Net charge-offs to loans | 1.7021% | 1,191 |
| Credit loss provision to net charge-offs | 171.7148% | 2,709 |
| Earnings coverage of net charge-offs (x) | 1.8433% | 4,422 |
| Efficiency ratio | 55.2443% | 7,094 |
| Assets per employee ($millions) | 3.6925% | 4,441 |
| Cash dividends to net income (ytd only)* | 396.0375% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6075% | 961 |
| Loan loss allowance to noncurrent loans | 77.5495% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7102% | 2,566 |
| Noncurrent loans to loans | 3.3623% | 2,247 |
| Net loans and leases to total assets | 76.6675% | 1,855 |
| Net loans and leases to deposits | 93.2375% | 2,011 |
| Net loans and leases to core deposits | 122.3075% | 2,044 |
| Total domestic deposits to total assets | 82.2282% | 4,575 |
| Equity capital to assets | 11.4768% | 2,604 |
| Core capital (leverage) ratio | 8.1918% | 6,028 |
| Tier 1 risk-based capital ratio | 9.9942% | 6,987 |
| Total risk-based capital ratio | 11.2603% | 6,922 |
| Memoranda: | ||
| Average total assets | $464,129,750 | 1,506 |
| Average earning assets | $404,382,250 | 1,580 |
| Average equity | $51,912,750 | 1,295 |
| Average total loans | $371,375,750 | 1,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3052% | 203 |
| Cost of funding earning assets | 2.0670% | 3,440 |
| Net interest margin | 5.2382% | 278 |
| Noninterest income to average assets | 0.8070% | 2,377 |
| Noninterest expense to average assets | 3.2032% | 3,333 |
| Loan and lease loss provision to assets | 1.9353% | 846 |
| Net operating income to assets | 0.1426% | 5,441 |
| Return on assets (ROA) | 0.1426% | 5,535 |
| Pretax return on assets | 0.1792% | 5,514 |
| Return on Equity (ROE) | 1.2854% | 5,541 |
| Retained earnings to average equity (ytd only) | -6.3886% | 6,500 |
| Net charge-offs to loans | 1.5617% | 1,210 |
| Credit loss provision to net charge-offs | 154.0834% | 2,980 |
| Earnings coverage of net charge-offs (x) | 1.6835% | 4,285 |
| Efficiency ratio | 60.2369% | 6,510 |
| Assets per employee ($millions) | 3.7025% | 4,323 |
| Cash dividends to net income (ytd only)* | 597.0149% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9965% | 1,576 |
| Loan loss allowance to noncurrent loans | 96.8323% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 3,642 |
| Noncurrent loans to loans | 2.0618% | 3,434 |
| Net loans and leases to total assets | 78.1370% | 1,712 |
| Net loans and leases to deposits | 96.0811% | 1,782 |
| Net loans and leases to core deposits | 128.7029% | 1,669 |
| Total domestic deposits to total assets | 81.3240% | 4,953 |
| Equity capital to assets | 11.0056% | 2,917 |
| Core capital (leverage) ratio | 7.8958% | 6,494 |
| Tier 1 risk-based capital ratio | 9.4332% | 7,449 |
| Total risk-based capital ratio | 10.6917% | 7,398 |
| Memoranda: | ||
| Average total assets | $469,907,000 | 1,511 |
| Average earning assets | $404,644,000 | 1,603 |
| Average equity | $52,124,330 | 1,304 |
| Average total loans | $377,927,670 | 1,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1116% | 285 |
| Cost of funding earning assets | 2.0942% | 3,685 |
| Net interest margin | 5.0174% | 384 |
| Noninterest income to average assets | 0.8161% | 2,252 |
| Noninterest expense to average assets | 3.0989% | 3,383 |
| Loan and lease loss provision to assets | 1.4785% | 850 |
| Net operating income to assets | 0.3802% | 4,947 |
| Return on assets (ROA) | 0.3802% | 5,130 |
| Pretax return on assets | 0.5644% | 4,866 |
| Return on Equity (ROE) | 3.4144% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.4144% | 3,988 |
| Net charge-offs to loans | 1.1486% | 1,198 |
| Credit loss provision to net charge-offs | 159.3807% | 2,655 |
| Earnings coverage of net charge-offs (x) | 2.2022% | 3,640 |
| Efficiency ratio | 60.2695% | 6,361 |
| Assets per employee ($millions) | 3.4683% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 2,261 |
| Loan loss allowance to noncurrent loans | 117.6589% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 4,359 |
| Noncurrent loans to loans | 1.4135% | 4,186 |
| Net loans and leases to total assets | 80.5130% | 1,292 |
| Net loans and leases to deposits | 96.5366% | 1,866 |
| Net loans and leases to core deposits | 126.2520% | 1,900 |
| Total domestic deposits to total assets | 83.4015% | 3,953 |
| Equity capital to assets | 11.2376% | 2,777 |
| Core capital (leverage) ratio | 8.3117% | 5,887 |
| Tier 1 risk-based capital ratio | 9.9117% | 7,023 |
| Total risk-based capital ratio | 11.1669% | 6,911 |
| Memoranda: | ||
| Average total assets | $473,451,500 | 1,514 |
| Average earning assets | $408,180,000 | 1,592 |
| Average equity | $52,718,500 | 1,293 |
| Average total loans | $382,392,000 | 1,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3171% | 577 |
| Cost of funding earning assets | 2.6459% | 3,455 |
| Net interest margin | 4.6712% | 1,025 |
| Noninterest income to average assets | 0.9005% | 1,953 |
| Noninterest expense to average assets | 3.0811% | 3,779 |
| Loan and lease loss provision to assets | 1.3546% | 1,038 |
| Net operating income to assets | 0.4152% | 5,095 |
| Return on assets (ROA) | 0.4152% | 4,907 |
| Pretax return on assets | 0.6000% | 4,691 |
| Return on Equity (ROE) | 3.6108% | 4,992 |
| Retained earnings to average equity (ytd only) | 2.1757% | 3,871 |
| Net charge-offs to loans | 1.0073% | 1,225 |
| Credit loss provision to net charge-offs | 164.1867% | 3,140 |
| Earnings coverage of net charge-offs (x) | 2.3691% | 4,892 |
| Efficiency ratio | 61.1849% | 6,127 |
| Assets per employee ($millions) | 3.4188% | 4,885 |
| Cash dividends to net income (ytd only)* | 39.7456% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,569 |
| Loan loss allowance to noncurrent loans | 101.2456% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 3,849 |
| Noncurrent loans to loans | 1.5056% | 3,534 |
| Net loans and leases to total assets | 78.4528% | 2,009 |
| Net loans and leases to deposits | 94.9743% | 2,619 |
| Net loans and leases to core deposits | 121.7606% | 2,531 |
| Total domestic deposits to total assets | 82.6043% | 3,947 |
| Equity capital to assets | 11.0330% | 3,015 |
| Core capital (leverage) ratio | 8.2851% | 5,984 |
| Tier 1 risk-based capital ratio | 9.4684% | 7,348 |
| Total risk-based capital ratio | 10.7211% | 7,257 |
| Memoranda: | ||
| Average total assets | $454,515,600 | 1,511 |
| Average earning assets | $402,359,200 | 1,549 |
| Average equity | $52,259,200 | 1,289 |
| Average total loans | $372,283,800 | 1,305 |