Home > First Security Bank of Missoula > Performance and Condition Ratios
First Security Bank of Missoula, Performance and Condition Ratios
| 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 | 4.5511% | 3,710 |
| Cost of funding earning assets | 0.6435% | 4,790 |
| Net interest margin | 3.9076% | 2,889 |
| Noninterest income to average assets | 0.3213% | 5,304 |
| Noninterest expense to average assets | 1.8359% | 6,753 |
| Loan and lease loss provision to assets | 0.8285% | 580 |
| Net operating income to assets | 0.9916% | 2,513 |
| Return on assets (ROA) | 0.9916% | 2,707 |
| Pretax return on assets | 1.2330% | 2,793 |
| Return on Equity (ROE) | 7.9774% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.6308% | 4,400 |
| Net charge-offs to loans | 0.7864% | 1,308 |
| Credit loss provision to net charge-offs | 205.1740% | 1,315 |
| Earnings coverage of net charge-offs (x) | 5.1053% | 2,437 |
| Efficiency ratio | 46.6359% | 6,871 |
| Assets per employee ($millions) | 6.1062% | 1,214 |
| Cash dividends to net income (ytd only)* | 54.4860% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1820% | 320 |
| Loan loss allowance to noncurrent loans | 79.7436% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 3.9909% | 1,383 |
| Noncurrent loans to loans | 5.2443% | 1,042 |
| Net loans and leases to total assets | 48.4637% | 5,495 |
| Net loans and leases to deposits | 73.8254% | 3,136 |
| Net loans and leases to core deposits | 89.3528% | 1,915 |
| Total domestic deposits to total assets | 65.6464% | 7,115 |
| Equity capital to assets | 12.4610% | 1,747 |
| Core capital (leverage) ratio | 10.4734% | 2,779 |
| Tier 1 risk-based capital ratio | 16.2178% | 3,061 |
| Total risk-based capital ratio | 17.4942% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,110,491,500 | 597 |
| Average earning assets | $1,016,272,500 | 586 |
| Average equity | $138,039,500 | 519 |
| Average total loans | $570,220,500 | 731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 4,004 |
| Cost of funding earning assets | 0.7965% | 4,893 |
| Net interest margin | 3.9591% | 3,074 |
| Noninterest income to average assets | 0.4917% | 3,908 |
| Noninterest expense to average assets | 1.8017% | 6,950 |
| Loan and lease loss provision to assets | 0.9308% | 1,030 |
| Net operating income to assets | 1.1127% | 1,785 |
| Return on assets (ROA) | 1.1144% | 1,901 |
| Pretax return on assets | 1.3890% | 1,811 |
| Return on Equity (ROE) | 9.1784% | 2,371 |
| Retained earnings to average equity (ytd only) | 6.0195% | 2,007 |
| Net charge-offs to loans | 1.1398% | 1,491 |
| Credit loss provision to net charge-offs | 152.1872% | 1,845 |
| Earnings coverage of net charge-offs (x) | 3.7897% | 3,385 |
| Efficiency ratio | 43.1433% | 7,145 |
| Assets per employee ($millions) | 5.9651% | 1,255 |
| Cash dividends to net income (ytd only)* | 34.4162% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9038% | 405 |
| Loan loss allowance to noncurrent loans | 79.2469% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 4.1739% | 1,356 |
| Noncurrent loans to loans | 4.9262% | 1,156 |
| Net loans and leases to total assets | 50.0927% | 5,567 |
| Net loans and leases to deposits | 75.4495% | 3,269 |
| Net loans and leases to core deposits | 93.4976% | 1,752 |
| Total domestic deposits to total assets | 66.3925% | 7,121 |
| Equity capital to assets | 12.3996% | 1,857 |
| Core capital (leverage) ratio | 10.4875% | 2,744 |
| Tier 1 risk-based capital ratio | 15.9108% | 3,086 |
| Total risk-based capital ratio | 17.1847% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,069,018,800 | 613 |
| Average earning assets | $979,534,600 | 603 |
| Average equity | $129,793,800 | 535 |
| Average total loans | $573,628,200 | 737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 4,026 |
| Cost of funding earning assets | 0.8252% | 4,974 |
| Net interest margin | 3.9729% | 3,031 |
| Noninterest income to average assets | 0.4433% | 4,344 |
| Noninterest expense to average assets | 1.8404% | 6,938 |
| Loan and lease loss provision to assets | 0.9116% | 977 |
| Net operating income to assets | 1.0942% | 1,991 |
| Return on assets (ROA) | 1.0964% | 2,132 |
| Pretax return on assets | 1.3363% | 2,164 |
| Return on Equity (ROE) | 9.0807% | 2,561 |
| Retained earnings to average equity (ytd only) | 5.8525% | 2,642 |
| Net charge-offs to loans | 1.0230% | 1,567 |
| Credit loss provision to net charge-offs | 164.8477% | 1,848 |
| Earnings coverage of net charge-offs (x) | 4.0600% | 3,194 |
| Efficiency ratio | 44.4065% | 7,134 |
| Assets per employee ($millions) | 5.8687% | 1,294 |
| Cash dividends to net income (ytd only)* | 35.5504% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7484% | 477 |
| Loan loss allowance to noncurrent loans | 61.0267% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 4.5473% | 1,312 |
| Noncurrent loans to loans | 6.1422% | 894 |
| Net loans and leases to total assets | 51.5102% | 5,508 |
| Net loans and leases to deposits | 77.0232% | 3,164 |
| Net loans and leases to core deposits | 94.5905% | 1,736 |
| Total domestic deposits to total assets | 66.8762% | 7,174 |
| Equity capital to assets | 12.4301% | 1,956 |
| Core capital (leverage) ratio | 10.4190% | 2,971 |
| Tier 1 risk-based capital ratio | 15.5838% | 3,341 |
| Total risk-based capital ratio | 16.8567% | 3,293 |
| Memoranda: | ||
| Average total assets | $1,060,386,750 | 628 |
| Average earning assets | $972,132,000 | 615 |
| Average equity | $128,033,500 | 550 |
| Average total loans | $573,221,750 | 748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 4,183 |
| Cost of funding earning assets | 0.8460% | 5,090 |
| Net interest margin | 3.9322% | 3,158 |
| Noninterest income to average assets | 0.5577% | 3,418 |
| Noninterest expense to average assets | 1.8827% | 6,971 |
| Loan and lease loss provision to assets | 1.0667% | 784 |
| Net operating income to assets | 1.0349% | 2,088 |
| Return on assets (ROA) | 1.0349% | 2,184 |
| Pretax return on assets | 1.2107% | 2,439 |
| Return on Equity (ROE) | 8.6593% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.7184% | 3,849 |
| Net charge-offs to loans | 1.1531% | 1,353 |
| Credit loss provision to net charge-offs | 170.5238% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.6407% | 3,100 |
| Efficiency ratio | 44.5833% | 7,214 |
| Assets per employee ($millions) | 5.8432% | 1,272 |
| Cash dividends to net income (ytd only)* | 57.0587% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6946% | 515 |
| Loan loss allowance to noncurrent loans | 56.7825% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 4.8620% | 1,267 |
| Noncurrent loans to loans | 6.5066% | 857 |
| Net loans and leases to total assets | 51.5090% | 5,626 |
| Net loans and leases to deposits | 78.8398% | 2,989 |
| Net loans and leases to core deposits | 97.4698% | 1,538 |
| Total domestic deposits to total assets | 65.3337% | 7,276 |
| Equity capital to assets | 11.9836% | 2,103 |
| Core capital (leverage) ratio | 10.2116% | 3,018 |
| Tier 1 risk-based capital ratio | 15.1255% | 3,435 |
| Total risk-based capital ratio | 16.3975% | 3,387 |
| Memoranda: | ||
| Average total assets | $1,049,989,330 | 642 |
| Average earning assets | $961,903,670 | 631 |
| Average equity | $125,483,330 | 557 |
| Average total loans | $569,571,670 | 758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 4,510 |
| Cost of funding earning assets | 0.8623% | 5,195 |
| Net interest margin | 3.8413% | 3,410 |
| Noninterest income to average assets | 0.5402% | 3,576 |
| Noninterest expense to average assets | 1.8780% | 7,028 |
| Loan and lease loss provision to assets | 1.2760% | 544 |
| Net operating income to assets | 0.7586% | 3,229 |
| Return on assets (ROA) | 0.7586% | 3,290 |
| Pretax return on assets | 0.9032% | 3,481 |
| Return on Equity (ROE) | 6.3570% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.1169% | 4,299 |
| Net charge-offs to loans | 1.6091% | 836 |
| Credit loss provision to net charge-offs | 145.1187% | 1,953 |
| Earnings coverage of net charge-offs (x) | 2.4785% | 3,094 |
| Efficiency ratio | 45.3540% | 7,230 |
| Assets per employee ($millions) | 5.7771% | 1,355 |
| Cash dividends to net income (ytd only)* | 50.9684% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5929% | 566 |
| Loan loss allowance to noncurrent loans | 58.6134% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 4.5425% | 1,423 |
| Noncurrent loans to loans | 6.1299% | 1,019 |
| Net loans and leases to total assets | 50.6642% | 5,757 |
| Net loans and leases to deposits | 76.7841% | 3,285 |
| Net loans and leases to core deposits | 94.6088% | 1,817 |
| Total domestic deposits to total assets | 65.9826% | 7,329 |
| Equity capital to assets | 11.6748% | 2,139 |
| Core capital (leverage) ratio | 10.5311% | 2,582 |
| Tier 1 risk-based capital ratio | 15.1959% | 3,320 |
| Total risk-based capital ratio | 16.4663% | 3,265 |
| Memoranda: | ||
| Average total assets | $1,034,492,000 | 656 |
| Average earning assets | $947,180,500 | 646 |
| Average equity | $123,454,500 | 564 |
| Average total loans | $565,275,000 | 771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 2,839 |
| Cost of funding earning assets | 1.1167% | 5,042 |
| Net interest margin | 4.2472% | 2,010 |
| Noninterest income to average assets | 0.3347% | 5,392 |
| Noninterest expense to average assets | 2.0033% | 7,018 |
| Loan and lease loss provision to assets | 0.8636% | 1,882 |
| Net operating income to assets | 1.0499% | 1,875 |
| Return on assets (ROA) | 1.0993% | 1,788 |
| Pretax return on assets | 1.3976% | 1,672 |
| Return on Equity (ROE) | 8.3478% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.2468% | 3,594 |
| Net charge-offs to loans | 1.2697% | 1,773 |
| Credit loss provision to net charge-offs | 111.0045% | 3,961 |
| Earnings coverage of net charge-offs (x) | 2.8261% | 3,663 |
| Efficiency ratio | 46.5961% | 7,335 |
| Assets per employee ($millions) | 5.3797% | 1,690 |
| Cash dividends to net income (ytd only)* | 61.1057% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3300% | 667 |
| Loan loss allowance to noncurrent loans | 53.2221% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 4.7947% | 1,358 |
| Noncurrent loans to loans | 6.2568% | 977 |
| Net loans and leases to total assets | 54.9585% | 5,496 |
| Net loans and leases to deposits | 77.5321% | 3,586 |
| Net loans and leases to core deposits | 93.6255% | 2,307 |
| Total domestic deposits to total assets | 70.8848% | 7,180 |
| Equity capital to assets | 12.2075% | 1,784 |
| Core capital (leverage) ratio | 10.8247% | 2,294 |
| Tier 1 risk-based capital ratio | 15.3515% | 3,073 |
| Total risk-based capital ratio | 16.6207% | 3,017 |
| Memoranda: | ||
| Average total assets | $937,910,200 | 718 |
| Average earning assets | $854,029,800 | 709 |
| Average equity | $123,506,200 | 550 |
| Average total loans | $574,681,400 | 777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5171% | 2,367 |
| Cost of funding earning assets | 1.1611% | 5,081 |
| Net interest margin | 4.3561% | 1,660 |
| Noninterest income to average assets | 0.2156% | 6,367 |
| Noninterest expense to average assets | 2.0455% | 6,968 |
| Loan and lease loss provision to assets | 0.7384% | 2,071 |
| Net operating income to assets | 1.1105% | 1,853 |
| Return on assets (ROA) | 1.1348% | 1,894 |
| Pretax return on assets | 1.4192% | 1,830 |
| Return on Equity (ROE) | 8.4495% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,710 |
| Net charge-offs to loans | 1.0045% | 1,999 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 3.3892% | 3,475 |
| Efficiency ratio | 47.8904% | 7,277 |
| Assets per employee ($millions) | 5.1520% | 1,995 |
| Cash dividends to net income (ytd only)* | 53.5851% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2999% | 640 |
| Loan loss allowance to noncurrent loans | 52.8692% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 5.0977% | 1,255 |
| Noncurrent loans to loans | 6.2417% | 972 |
| Net loans and leases to total assets | 58.7542% | 5,147 |
| Net loans and leases to deposits | 79.3107% | 3,578 |
| Net loans and leases to core deposits | 95.2895% | 2,346 |
| Total domestic deposits to total assets | 74.0810% | 6,914 |
| Equity capital to assets | 13.3591% | 1,414 |
| Core capital (leverage) ratio | 11.2785% | 2,079 |
| Tier 1 risk-based capital ratio | 15.3606% | 3,067 |
| Total risk-based capital ratio | 16.6298% | 3,022 |
| Memoranda: | ||
| Average total assets | $920,888,750 | 730 |
| Average earning assets | $836,546,750 | 722 |
| Average equity | $123,681,000 | 543 |
| Average total loans | $575,370,500 | 789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 2,269 |
| Cost of funding earning assets | 1.1797% | 5,238 |
| Net interest margin | 4.3859% | 1,489 |
| Noninterest income to average assets | 0.6148% | 3,228 |
| Noninterest expense to average assets | 2.0701% | 6,981 |
| Loan and lease loss provision to assets | 0.9651% | 1,513 |
| Net operating income to assets | 1.2617% | 1,396 |
| Return on assets (ROA) | 1.2006% | 1,630 |
| Pretax return on assets | 1.4818% | 1,608 |
| Return on Equity (ROE) | 8.9230% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.4998% | 2,612 |
| Net charge-offs to loans | 0.8311% | 2,177 |
| Credit loss provision to net charge-offs | 184.1004% | 2,142 |
| Earnings coverage of net charge-offs (x) | 4.8117% | 2,832 |
| Efficiency ratio | 44.0395% | 7,523 |
| Assets per employee ($millions) | 5.1772% | 1,952 |
| Cash dividends to net income (ytd only)* | 38.3632% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5050% | 539 |
| Loan loss allowance to noncurrent loans | 68.1840% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 4.6004% | 1,423 |
| Noncurrent loans to loans | 5.1406% | 1,331 |
| Net loans and leases to total assets | 59.8291% | 5,091 |
| Net loans and leases to deposits | 77.7915% | 4,019 |
| Net loans and leases to core deposits | 92.7512% | 2,882 |
| Total domestic deposits to total assets | 76.9097% | 6,527 |
| Equity capital to assets | 13.3921% | 1,393 |
| Core capital (leverage) ratio | 11.5311% | 1,901 |
| Tier 1 risk-based capital ratio | 15.2785% | 3,020 |
| Total risk-based capital ratio | 16.5501% | 2,971 |
| Memoranda: | ||
| Average total assets | $911,861,670 | 734 |
| Average earning assets | $826,964,670 | 730 |
| Average equity | $122,694,670 | 545 |
| Average total loans | $575,167,670 | 795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 2,528 |
| Cost of funding earning assets | 1.1808% | 5,504 |
| Net interest margin | 4.3313% | 1,590 |
| Noninterest income to average assets | 0.5655% | 3,519 |
| Noninterest expense to average assets | 2.0411% | 7,081 |
| Loan and lease loss provision to assets | 1.0201% | 1,220 |
| Net operating income to assets | 1.0707% | 1,932 |
| Return on assets (ROA) | 1.0707% | 2,005 |
| Pretax return on assets | 1.4251% | 1,708 |
| Return on Equity (ROE) | 7.9380% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.9380% | 1,731 |
| Net charge-offs to loans | 1.1355% | 1,483 |
| Credit loss provision to net charge-offs | 141.1909% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.3843% | 2,923 |
| Efficiency ratio | 44.4192% | 7,606 |
| Assets per employee ($millions) | 4.9807% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2553% | 663 |
| Loan loss allowance to noncurrent loans | 62.3286% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 4.7418% | 1,393 |
| Noncurrent loans to loans | 5.2228% | 1,370 |
| Net loans and leases to total assets | 61.6682% | 4,823 |
| Net loans and leases to deposits | 92.0162% | 1,614 |
| Net loans and leases to core deposits | 98.8525% | 2,253 |
| Total domestic deposits to total assets | 67.0188% | 7,573 |
| Equity capital to assets | 13.5211% | 1,315 |
| Core capital (leverage) ratio | 11.6328% | 1,837 |
| Tier 1 risk-based capital ratio | 15.0483% | 3,100 |
| Total risk-based capital ratio | 16.3173% | 3,040 |
| Memoranda: | ||
| Average total assets | $901,846,500 | 764 |
| Average earning assets | $816,386,000 | 765 |
| Average equity | $121,642,000 | 552 |
| Average total loans | $573,854,000 | 814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 3,158 |
| Cost of funding earning assets | 1.3245% | 6,219 |
| Net interest margin | 4.3645% | 1,534 |
| Noninterest income to average assets | 0.6420% | 3,343 |
| Noninterest expense to average assets | 2.0820% | 7,219 |
| Loan and lease loss provision to assets | 1.1482% | 1,988 |
| Net operating income to assets | 1.0743% | 1,583 |
| Return on assets (ROA) | 1.1762% | 1,355 |
| Pretax return on assets | 1.5467% | 1,082 |
| Return on Equity (ROE) | 8.9438% | 2,045 |
| Retained earnings to average equity (ytd only) | 1.9251% | 3,749 |
| Net charge-offs to loans | 0.6499% | 3,239 |
| Credit loss provision to net charge-offs | 279.0387% | 1,224 |
| Earnings coverage of net charge-offs (x) | 6.2232% | 2,413 |
| Efficiency ratio | 43.7355% | 7,785 |
| Assets per employee ($millions) | 5.0125% | 2,200 |
| Cash dividends to net income (ytd only)* | 78.4753% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2189% | 649 |
| Loan loss allowance to noncurrent loans | 56.9084% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 5.0160% | 1,225 |
| Noncurrent loans to loans | 5.6563% | 1,129 |
| Net loans and leases to total assets | 61.4719% | 5,113 |
| Net loans and leases to deposits | 93.1415% | 1,718 |
| Net loans and leases to core deposits | 109.7306% | 2,924 |
| Total domestic deposits to total assets | 65.9984% | 7,640 |
| Equity capital to assets | 13.4544% | 1,341 |
| Core capital (leverage) ratio | 11.3247% | 2,021 |
| Tier 1 risk-based capital ratio | 14.9141% | 2,990 |
| Total risk-based capital ratio | 16.1824% | 2,928 |
| Memoranda: | ||
| Average total assets | $910,086,600 | 742 |
| Average earning assets | $834,259,400 | 734 |
| Average equity | $119,680,200 | 551 |
| Average total loans | $576,241,400 | 827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6732% | 3,460 |
| Cost of funding earning assets | 1.3492% | 6,400 |
| Net interest margin | 4.3240% | 1,665 |
| Noninterest income to average assets | 0.6613% | 3,283 |
| Noninterest expense to average assets | 2.0980% | 7,203 |
| Loan and lease loss provision to assets | 0.8784% | 2,188 |
| Net operating income to assets | 1.2262% | 1,402 |
| Return on assets (ROA) | 1.3198% | 1,246 |
| Pretax return on assets | 1.7946% | 809 |
| Return on Equity (ROE) | 10.0932% | 1,880 |
| Retained earnings to average equity (ytd only) | 3.0693% | 3,605 |
| Net charge-offs to loans | 0.4353% | 3,501 |
| Credit loss provision to net charge-offs | 318.9518% | 1,288 |
| Earnings coverage of net charge-offs (x) | 9.2467% | 2,131 |
| Efficiency ratio | 44.0486% | 7,838 |
| Assets per employee ($millions) | 5.0928% | 2,030 |
| Cash dividends to net income (ytd only)* | 69.5902% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7287% | 858 |
| Loan loss allowance to noncurrent loans | 60.2622% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 4.3060% | 1,438 |
| Noncurrent loans to loans | 4.5281% | 1,535 |
| Net loans and leases to total assets | 61.9796% | 5,247 |
| Net loans and leases to deposits | 96.4087% | 1,520 |
| Net loans and leases to core deposits | 113.2322% | 2,910 |
| Total domestic deposits to total assets | 64.2884% | 7,757 |
| Equity capital to assets | 13.6096% | 1,446 |
| Core capital (leverage) ratio | 11.6544% | 1,989 |
| Tier 1 risk-based capital ratio | 14.9968% | 3,043 |
| Total risk-based capital ratio | 16.2604% | 2,975 |
| Memoranda: | ||
| Average total assets | $914,550,500 | 752 |
| Average earning assets | $842,472,000 | 734 |
| Average equity | $119,589,250 | 561 |
| Average total loans | $578,623,500 | 841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 3,619 |
| Cost of funding earning assets | 1.3941% | 6,501 |
| Net interest margin | 4.2930% | 1,675 |
| Noninterest income to average assets | 0.6891% | 3,062 |
| Noninterest expense to average assets | 2.0513% | 7,374 |
| Loan and lease loss provision to assets | 0.5169% | 2,957 |
| Net operating income to assets | 1.4817% | 868 |
| Return on assets (ROA) | 1.4817% | 930 |
| Pretax return on assets | 2.0866% | 450 |
| Return on Equity (ROE) | 11.4846% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.3995% | 2,849 |
| Net charge-offs to loans | 0.2872% | 3,758 |
| Credit loss provision to net charge-offs | 285.1140% | 1,641 |
| Earnings coverage of net charge-offs (x) | 14.3601% | 1,660 |
| Efficiency ratio | 42.9513% | 7,959 |
| Assets per employee ($millions) | 4.6742% | 2,495 |
| Cash dividends to net income (ytd only)* | 61.6921% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 1,169 |
| Loan loss allowance to noncurrent loans | 59.7196% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 4.0944% | 1,427 |
| Noncurrent loans to loans | 3.7633% | 1,830 |
| Net loans and leases to total assets | 68.3676% | 4,091 |
| Net loans and leases to deposits | 99.9278% | 1,293 |
| Net loans and leases to core deposits | 117.5310% | 2,589 |
| Total domestic deposits to total assets | 68.4170% | 7,595 |
| Equity capital to assets | 14.4865% | 1,169 |
| Core capital (leverage) ratio | 10.6652% | 2,693 |
| Tier 1 risk-based capital ratio | 15.0491% | 2,999 |
| Total risk-based capital ratio | 16.3080% | 2,930 |
| Memoranda: | ||
| Average total assets | $918,926,670 | 762 |
| Average earning assets | $848,868,330 | 744 |
| Average equity | $118,559,000 | 573 |
| Average total loans | $580,041,000 | 857 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 5,248 |
| Cost of funding earning assets | 1.3510% | 6,872 |
| Net interest margin | 4.0844% | 2,337 |
| Noninterest income to average assets | 0.5910% | 3,618 |
| Noninterest expense to average assets | 1.8384% | 7,649 |
| Loan and lease loss provision to assets | 0.4364% | 2,745 |
| Net operating income to assets | 1.4597% | 1,018 |
| Return on assets (ROA) | 1.4597% | 1,094 |
| Pretax return on assets | 2.1197% | 518 |
| Return on Equity (ROE) | 11.9483% | 1,676 |
| Retained earnings to average equity (ytd only) | 4.8038% | 3,235 |
| Net charge-offs to loans | 0.0967% | 4,210 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 43.9286% | 793 |
| Efficiency ratio | 40.7075% | 8,030 |
| Assets per employee ($millions) | 5.3301% | 1,717 |
| Cash dividends to net income (ytd only)* | 59.7950% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1288% | 1,183 |
| Loan loss allowance to noncurrent loans | 92.3368% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 3,603 |
| Noncurrent loans to loans | 2.3055% | 2,853 |
| Net loans and leases to total assets | 58.9905% | 5,807 |
| Net loans and leases to deposits | 102.2918% | 1,146 |
| Net loans and leases to core deposits | 123.5418% | 2,109 |
| Total domestic deposits to total assets | 57.6688% | 8,012 |
| Equity capital to assets | 12.1940% | 2,142 |
| Core capital (leverage) ratio | 10.5513% | 2,870 |
| Tier 1 risk-based capital ratio | 14.4630% | 3,330 |
| Total risk-based capital ratio | 15.7201% | 3,248 |
| Memoranda: | ||
| Average total assets | $962,382,000 | 724 |
| Average earning assets | $896,193,500 | 703 |
| Average equity | $117,573,500 | 575 |
| Average total loans | $579,108,000 | 862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5372% | 2,772 |
| Cost of funding earning assets | 2.1017% | 6,044 |
| Net interest margin | 4.4355% | 1,575 |
| Noninterest income to average assets | 0.7137% | 3,031 |
| Noninterest expense to average assets | 2.0371% | 7,376 |
| Loan and lease loss provision to assets | 0.2042% | 4,845 |
| Net operating income to assets | 1.6969% | 682 |
| Return on assets (ROA) | 1.6949% | 655 |
| Pretax return on assets | 2.5445% | 179 |
| Return on Equity (ROE) | 12.9363% | 1,343 |
| Retained earnings to average equity (ytd only) | 7.3265% | 1,045 |
| Net charge-offs to loans | 0.0754% | 5,682 |
| Credit loss provision to net charge-offs | 411.7647% | 1,060 |
| Earnings coverage of net charge-offs (x) | 55.4941% | 711 |
| Efficiency ratio | 41.2951% | 8,096 |
| Assets per employee ($millions) | 5.3634% | 1,562 |
| Cash dividends to net income (ytd only)* | 43.3645% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 1,198 |
| Loan loss allowance to noncurrent loans | 98.4722% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2835% | 3,661 |
| Noncurrent loans to loans | 2.0428% | 2,709 |
| Net loans and leases to total assets | 58.8652% | 6,078 |
| Net loans and leases to deposits | 103.0780% | 1,456 |
| Net loans and leases to core deposits | 121.9405% | 2,512 |
| Total domestic deposits to total assets | 57.1075% | 8,036 |
| Equity capital to assets | 12.2402% | 2,143 |
| Core capital (leverage) ratio | 11.3121% | 2,359 |
| Tier 1 risk-based capital ratio | 14.2943% | 3,399 |
| Total risk-based capital ratio | 15.5499% | 3,316 |
| Memoranda: | ||
| Average total assets | $857,140,600 | 794 |
| Average earning assets | $787,493,200 | 782 |
| Average equity | $112,304,000 | 598 |
| Average total loans | $563,597,200 | 843 |