Home > First Southern Bank > Performance and Condition Ratios
First Southern Bank, 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 | 4.3095% | 2,553 |
| Cost of funding earning assets | 0.4174% | 3,687 |
| Net interest margin | 3.8921% | 2,203 |
| Noninterest income to average assets | 0.3754% | 4,440 |
| Noninterest expense to average assets | 2.6146% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9627% | 2,489 |
| Return on assets (ROA) | 0.9742% | 2,522 |
| Pretax return on assets | 1.3923% | 1,917 |
| Return on Equity (ROE) | 10.3918% | 1,981 |
| Retained earnings to average equity (ytd only) | -3.5574% | 6,141 |
| Net charge-offs to loans | 0.1047% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 19.9405% | 1,601 |
| Efficiency ratio | 64.4916% | 4,616 |
| Assets per employee ($millions) | 4.8681% | 2,381 |
| Cash dividends to net income (ytd only)* | 134.2327% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 1,252 |
| Loan loss allowance to noncurrent loans | 80.9177% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.8110% | 1,790 |
| Noncurrent loans to loans | 2.5478% | 1,216 |
| Net loans and leases to total assets | 65.0508% | 2,900 |
| Net loans and leases to deposits | 76.4304% | 2,995 |
| Net loans and leases to core deposits | 85.7874% | 2,539 |
| Total domestic deposits to total assets | 85.1112% | 3,451 |
| Equity capital to assets | 9.7480% | 4,430 |
| Core capital (leverage) ratio | 10.0213% | 3,581 |
| Tier 1 risk-based capital ratio | 15.0863% | 3,587 |
| Total risk-based capital ratio | 16.2629% | 3,583 |
| Memoranda: | ||
| Average total assets | $243,481,000 | 2,604 |
| Average earning assets | $226,151,000 | 2,579 |
| Average equity | $22,825,670 | 2,868 |
| Average total loans | $160,452,000 | 2,442 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,419 |
| Cost of funding earning assets | 0.4334% | 3,610 |
| Net interest margin | 3.8951% | 2,104 |
| Noninterest income to average assets | 0.3581% | 4,523 |
| Noninterest expense to average assets | 2.6905% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9001% | 2,651 |
| Return on assets (ROA) | 0.9231% | 2,609 |
| Pretax return on assets | 1.3174% | 2,039 |
| Return on Equity (ROE) | 10.0469% | 2,020 |
| Retained earnings to average equity (ytd only) | -18.4134% | 6,510 |
| Net charge-offs to loans | -0.0500% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6612% | 4,584 |
| Assets per employee ($millions) | 4.6675% | 2,710 |
| Cash dividends to net income (ytd only)* | 283.2740% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1575% | 1,225 |
| Loan loss allowance to noncurrent loans | 86.5961% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.8125% | 1,930 |
| Noncurrent loans to loans | 2.4914% | 1,388 |
| Net loans and leases to total assets | 64.2211% | 2,853 |
| Net loans and leases to deposits | 72.2475% | 3,305 |
| Net loans and leases to core deposits | 80.1204% | 2,950 |
| Total domestic deposits to total assets | 88.8904% | 1,732 |
| Equity capital to assets | 9.1550% | 4,933 |
| Core capital (leverage) ratio | 9.7668% | 3,909 |
| Tier 1 risk-based capital ratio | 14.9636% | 3,729 |
| Total risk-based capital ratio | 16.2251% | 3,680 |
| Memoranda: | ||
| Average total assets | $243,519,000 | 2,611 |
| Average earning assets | $226,133,000 | 2,592 |
| Average equity | $22,375,000 | 2,905 |
| Average total loans | $159,843,000 | 2,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 2,548 |
| Cost of funding earning assets | 0.5053% | 3,556 |
| Net interest margin | 3.9053% | 2,266 |
| Noninterest income to average assets | 0.4944% | 3,800 |
| Noninterest expense to average assets | 2.5365% | 4,655 |
| Loan and lease loss provision to assets | 0.2795% | 1,237 |
| Net operating income to assets | 0.9076% | 2,738 |
| Return on assets (ROA) | 0.9343% | 2,705 |
| Pretax return on assets | 1.3349% | 2,031 |
| Return on Equity (ROE) | 9.8320% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,334 |
| Net charge-offs to loans | 0.3176% | 2,098 |
| Credit loss provision to net charge-offs | 134.4488% | 1,750 |
| Earnings coverage of net charge-offs (x) | 7.5827% | 2,810 |
| Efficiency ratio | 59.5323% | 5,535 |
| Assets per employee ($millions) | 4.6986% | 2,588 |
| Cash dividends to net income (ytd only)* | 44.8533% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 1,284 |
| Loan loss allowance to noncurrent loans | 85.8974% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 2,041 |
| Noncurrent loans to loans | 2.4804% | 1,531 |
| Net loans and leases to total assets | 64.2419% | 3,001 |
| Net loans and leases to deposits | 71.2950% | 3,618 |
| Net loans and leases to core deposits | 78.8170% | 3,264 |
| Total domestic deposits to total assets | 90.1072% | 1,025 |
| Equity capital to assets | 9.2212% | 4,779 |
| Core capital (leverage) ratio | 10.0899% | 3,448 |
| Tier 1 risk-based capital ratio | 15.4275% | 3,418 |
| Total risk-based capital ratio | 16.6889% | 3,357 |
| Memoranda: | ||
| Average total assets | $244,356,600 | 2,583 |
| Average earning assets | $226,412,600 | 2,551 |
| Average equity | $23,220,200 | 2,797 |
| Average total loans | $159,970,800 | 2,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 2,590 |
| Cost of funding earning assets | 0.5155% | 3,618 |
| Net interest margin | 3.8872% | 2,323 |
| Noninterest income to average assets | 0.5249% | 3,632 |
| Noninterest expense to average assets | 2.4406% | 4,905 |
| Loan and lease loss provision to assets | 0.3727% | 838 |
| Net operating income to assets | 0.9182% | 2,741 |
| Return on assets (ROA) | 0.9537% | 2,676 |
| Pretax return on assets | 1.3624% | 2,066 |
| Return on Equity (ROE) | 9.9630% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.1080% | 1,028 |
| Net charge-offs to loans | 0.3303% | 1,891 |
| Credit loss provision to net charge-offs | 172.4747% | 1,383 |
| Earnings coverage of net charge-offs (x) | 7.7954% | 2,729 |
| Efficiency ratio | 57.0767% | 5,792 |
| Assets per employee ($millions) | 5.3677% | 1,770 |
| Cash dividends to net income (ytd only)* | 8.5814% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,292 |
| Loan loss allowance to noncurrent loans | 78.0925% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.3018% | 1,715 |
| Noncurrent loans to loans | 2.8497% | 1,449 |
| Net loans and leases to total assets | 64.1904% | 2,971 |
| Net loans and leases to deposits | 71.3569% | 3,588 |
| Net loans and leases to core deposits | 86.7238% | 2,319 |
| Total domestic deposits to total assets | 89.9568% | 1,023 |
| Equity capital to assets | 9.4466% | 4,619 |
| Core capital (leverage) ratio | 10.3531% | 3,163 |
| Tier 1 risk-based capital ratio | 15.7809% | 3,312 |
| Total risk-based capital ratio | 17.0432% | 3,259 |
| Memoranda: | ||
| Average total assets | $244,363,750 | 2,597 |
| Average earning assets | $226,309,000 | 2,562 |
| Average equity | $23,392,750 | 2,810 |
| Average total loans | $159,869,000 | 2,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 2,549 |
| Cost of funding earning assets | 0.5222% | 3,683 |
| Net interest margin | 3.8823% | 2,266 |
| Noninterest income to average assets | 0.5512% | 3,492 |
| Noninterest expense to average assets | 2.3506% | 5,207 |
| Loan and lease loss provision to assets | 0.4346% | 679 |
| Net operating income to assets | 0.9522% | 2,562 |
| Return on assets (ROA) | 1.0053% | 2,446 |
| Pretax return on assets | 1.4366% | 1,814 |
| Return on Equity (ROE) | 10.4561% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.1841% | 1,064 |
| Net charge-offs to loans | 0.4180% | 1,544 |
| Credit loss provision to net charge-offs | 159.1045% | 1,461 |
| Earnings coverage of net charge-offs (x) | 6.5731% | 2,697 |
| Efficiency ratio | 54.6903% | 6,084 |
| Assets per employee ($millions) | 5.5529% | 1,536 |
| Cash dividends to net income (ytd only)* | 12.1655% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 1,492 |
| Loan loss allowance to noncurrent loans | 107.7357% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 2,545 |
| Noncurrent loans to loans | 2.0104% | 2,389 |
| Net loans and leases to total assets | 63.5955% | 2,986 |
| Net loans and leases to deposits | 70.6711% | 3,630 |
| Net loans and leases to core deposits | 79.4280% | 3,099 |
| Total domestic deposits to total assets | 89.9880% | 1,027 |
| Equity capital to assets | 9.3313% | 4,811 |
| Core capital (leverage) ratio | 9.9833% | 3,552 |
| Tier 1 risk-based capital ratio | 15.3327% | 3,576 |
| Total risk-based capital ratio | 16.5900% | 3,529 |
| Memoranda: | ||
| Average total assets | $245,302,670 | 2,598 |
| Average earning assets | $227,131,330 | 2,563 |
| Average equity | $23,584,330 | 2,810 |
| Average total loans | $160,299,000 | 2,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 2,484 |
| Cost of funding earning assets | 0.5305% | 3,770 |
| Net interest margin | 3.8805% | 2,178 |
| Noninterest income to average assets | 0.5761% | 3,269 |
| Noninterest expense to average assets | 2.0993% | 5,917 |
| Loan and lease loss provision to assets | 0.4882% | 552 |
| Net operating income to assets | 1.1212% | 1,771 |
| Return on assets (ROA) | 1.2287% | 1,553 |
| Pretax return on assets | 1.7348% | 996 |
| Return on Equity (ROE) | 12.5954% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.9271% | 896 |
| Net charge-offs to loans | 0.5564% | 1,091 |
| Credit loss provision to net charge-offs | 133.9286% | 1,481 |
| Earnings coverage of net charge-offs (x) | 5.6830% | 2,338 |
| Efficiency ratio | 48.4198% | 6,594 |
| Assets per employee ($millions) | 5.5720% | 1,600 |
| Cash dividends to net income (ytd only)* | 13.2450% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 1,804 |
| Loan loss allowance to noncurrent loans | 99.1928% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.9460% | 2,412 |
| Noncurrent loans to loans | 2.1141% | 2,483 |
| Net loans and leases to total assets | 63.1815% | 2,858 |
| Net loans and leases to deposits | 70.4542% | 3,402 |
| Net loans and leases to core deposits | 79.0381% | 2,922 |
| Total domestic deposits to total assets | 89.6774% | 1,248 |
| Equity capital to assets | 9.8275% | 4,388 |
| Core capital (leverage) ratio | 9.7924% | 3,672 |
| Tier 1 risk-based capital ratio | 15.1590% | 3,729 |
| Total risk-based capital ratio | 16.4180% | 3,677 |
| Memoranda: | ||
| Average total assets | $245,790,500 | 2,624 |
| Average earning assets | $227,703,000 | 2,588 |
| Average equity | $23,977,000 | 2,805 |
| Average total loans | $161,038,000 | 2,434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 2,341 |
| Cost of funding earning assets | 0.6474% | 3,933 |
| Net interest margin | 4.1170% | 1,935 |
| Noninterest income to average assets | 0.4547% | 4,219 |
| Noninterest expense to average assets | 2.6787% | 4,476 |
| Loan and lease loss provision to assets | 0.5171% | 1,133 |
| Net operating income to assets | 0.7572% | 3,478 |
| Return on assets (ROA) | 0.9925% | 2,593 |
| Pretax return on assets | 1.4074% | 2,019 |
| Return on Equity (ROE) | 10.0944% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.4560% | 3,100 |
| Net charge-offs to loans | 0.6862% | 1,722 |
| Credit loss provision to net charge-offs | 108.2251% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.3342% | 3,772 |
| Efficiency ratio | 62.4540% | 5,175 |
| Assets per employee ($millions) | 5.3568% | 1,831 |
| Cash dividends to net income (ytd only)* | 55.8566% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 2,177 |
| Loan loss allowance to noncurrent loans | 101.3406% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 2,531 |
| Noncurrent loans to loans | 1.9120% | 2,791 |
| Net loans and leases to total assets | 65.2085% | 2,673 |
| Net loans and leases to deposits | 72.6882% | 3,301 |
| Net loans and leases to core deposits | 81.8978% | 2,783 |
| Total domestic deposits to total assets | 89.7099% | 1,123 |
| Equity capital to assets | 9.6830% | 4,616 |
| Core capital (leverage) ratio | 9.7678% | 3,698 |
| Tier 1 risk-based capital ratio | 13.9379% | 4,415 |
| Total risk-based capital ratio | 15.1960% | 4,386 |
| Memoranda: | ||
| Average total assets | $241,721,400 | 2,617 |
| Average earning assets | $224,120,400 | 2,575 |
| Average equity | $23,765,600 | 2,771 |
| Average total loans | $168,315,800 | 2,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 2,289 |
| Cost of funding earning assets | 0.6760% | 3,968 |
| Net interest margin | 4.1505% | 1,901 |
| Noninterest income to average assets | 0.5110% | 3,851 |
| Noninterest expense to average assets | 2.7498% | 4,173 |
| Loan and lease loss provision to assets | 0.5820% | 979 |
| Net operating income to assets | 0.6984% | 3,925 |
| Return on assets (ROA) | 0.9622% | 2,908 |
| Pretax return on assets | 1.4162% | 2,181 |
| Return on Equity (ROE) | 9.7490% | 2,472 |
| Retained earnings to average equity (ytd only) | 7.4971% | 1,853 |
| Net charge-offs to loans | 0.5084% | 2,086 |
| Credit loss provision to net charge-offs | 162.5387% | 1,711 |
| Earnings coverage of net charge-offs (x) | 4.4969% | 3,288 |
| Efficiency ratio | 62.7384% | 5,022 |
| Assets per employee ($millions) | 5.4915% | 1,645 |
| Cash dividends to net income (ytd only)* | 23.0989% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 1,931 |
| Loan loss allowance to noncurrent loans | 83.1423% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 2,189 |
| Noncurrent loans to loans | 2.5134% | 2,278 |
| Net loans and leases to total assets | 69.0911% | 2,093 |
| Net loans and leases to deposits | 77.5226% | 2,726 |
| Net loans and leases to core deposits | 87.5839% | 2,260 |
| Total domestic deposits to total assets | 89.1239% | 1,359 |
| Equity capital to assets | 10.3238% | 4,049 |
| Core capital (leverage) ratio | 10.0136% | 3,515 |
| Tier 1 risk-based capital ratio | 13.9849% | 4,535 |
| Total risk-based capital ratio | 15.2466% | 4,476 |
| Memoranda: | ||
| Average total assets | $240,549,000 | 2,645 |
| Average earning assets | $223,067,000 | 2,607 |
| Average equity | $23,742,000 | 2,798 |
| Average total loans | $169,430,750 | 2,350 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 2,434 |
| Cost of funding earning assets | 0.6998% | 4,017 |
| Net interest margin | 4.1193% | 2,012 |
| Noninterest income to average assets | 0.5694% | 3,452 |
| Noninterest expense to average assets | 2.7576% | 4,190 |
| Loan and lease loss provision to assets | 0.6198% | 938 |
| Net operating income to assets | 0.6912% | 3,913 |
| Return on assets (ROA) | 0.9958% | 2,707 |
| Pretax return on assets | 1.4586% | 1,984 |
| Return on Equity (ROE) | 10.2422% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.2422% | 906 |
| Net charge-offs to loans | 0.7349% | 1,504 |
| Credit loss provision to net charge-offs | 119.8083% | 2,297 |
| Earnings coverage of net charge-offs (x) | 3.1518% | 3,478 |
| Efficiency ratio | 62.3540% | 5,191 |
| Assets per employee ($millions) | 4.9830% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 2,542 |
| Loan loss allowance to noncurrent loans | 92.2063% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.6068% | 2,126 |
| Noncurrent loans to loans | 2.0658% | 2,869 |
| Net loans and leases to total assets | 69.2875% | 2,058 |
| Net loans and leases to deposits | 78.1577% | 2,645 |
| Net loans and leases to core deposits | 85.4384% | 2,500 |
| Total domestic deposits to total assets | 88.6509% | 1,739 |
| Equity capital to assets | 10.0772% | 4,225 |
| Core capital (leverage) ratio | 9.9767% | 3,453 |
| Tier 1 risk-based capital ratio | 13.3167% | 4,953 |
| Total risk-based capital ratio | 14.5016% | 4,972 |
| Memoranda: | ||
| Average total assets | $242,021,000 | 2,637 |
| Average earning assets | $224,358,000 | 2,593 |
| Average equity | $23,530,000 | 2,806 |
| Average total loans | $170,364,670 | 2,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 2,585 |
| Cost of funding earning assets | 0.7293% | 4,034 |
| Net interest margin | 4.0819% | 2,165 |
| Noninterest income to average assets | 0.5439% | 3,604 |
| Noninterest expense to average assets | 2.6832% | 4,487 |
| Loan and lease loss provision to assets | 0.6572% | 824 |
| Net operating income to assets | 0.7001% | 3,880 |
| Return on assets (ROA) | 1.1551% | 2,047 |
| Pretax return on assets | 1.6333% | 1,474 |
| Return on Equity (ROE) | 12.0980% | 1,658 |
| Retained earnings to average equity (ytd only) | 12.0980% | 812 |
| Net charge-offs to loans | 0.9025% | 1,138 |
| Credit loss provision to net charge-offs | 103.6269% | 2,231 |
| Earnings coverage of net charge-offs (x) | 2.6010% | 3,131 |
| Efficiency ratio | 61.4334% | 5,376 |
| Assets per employee ($millions) | 5.0782% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,930 |
| Loan loss allowance to noncurrent loans | 66.1414% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.8541% | 2,046 |
| Noncurrent loans to loans | 2.7500% | 2,368 |
| Net loans and leases to total assets | 68.7807% | 1,974 |
| Net loans and leases to deposits | 76.5877% | 2,713 |
| Net loans and leases to core deposits | 82.4745% | 2,762 |
| Total domestic deposits to total assets | 89.8065% | 1,185 |
| Equity capital to assets | 9.6434% | 4,596 |
| Core capital (leverage) ratio | 9.5996% | 3,924 |
| Tier 1 risk-based capital ratio | 12.6624% | 5,475 |
| Total risk-based capital ratio | 13.9185% | 5,434 |
| Memoranda: | ||
| Average total assets | $243,440,000 | 2,627 |
| Average earning assets | $225,970,500 | 2,585 |
| Average equity | $23,243,500 | 2,828 |
| Average total loans | $171,076,000 | 2,348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,986 |
| Cost of funding earning assets | 0.9254% | 3,917 |
| Net interest margin | 4.2943% | 1,716 |
| Noninterest income to average assets | 0.3399% | 5,098 |
| Noninterest expense to average assets | 2.4824% | 5,526 |
| Loan and lease loss provision to assets | 0.7037% | 1,450 |
| Net operating income to assets | 0.8105% | 2,993 |
| Return on assets (ROA) | 0.8138% | 3,150 |
| Pretax return on assets | 1.1490% | 2,655 |
| Return on Equity (ROE) | 8.9618% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.2678% | 994 |
| Net charge-offs to loans | 1.3377% | 1,231 |
| Credit loss provision to net charge-offs | 69.7626% | 4,857 |
| Earnings coverage of net charge-offs (x) | 1.8322% | 4,405 |
| Efficiency ratio | 56.8199% | 6,208 |
| Assets per employee ($millions) | 5.5256% | 1,614 |
| Cash dividends to net income (ytd only)* | 7.7439% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,853 |
| Loan loss allowance to noncurrent loans | 46.1229% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 3.2962% | 1,810 |
| Noncurrent loans to loans | 3.9127% | 1,602 |
| Net loans and leases to total assets | 69.2223% | 2,176 |
| Net loans and leases to deposits | 76.9904% | 3,002 |
| Net loans and leases to core deposits | 83.7766% | 2,918 |
| Total domestic deposits to total assets | 89.9102% | 1,038 |
| Equity capital to assets | 9.4523% | 4,962 |
| Core capital (leverage) ratio | 9.2150% | 4,443 |
| Tier 1 risk-based capital ratio | 12.1387% | 5,735 |
| Total risk-based capital ratio | 13.3228% | 5,767 |
| Memoranda: | ||
| Average total assets | $238,032,000 | 2,653 |
| Average earning assets | $221,201,800 | 2,594 |
| Average equity | $21,614,000 | 2,930 |
| Average total loans | $179,482,800 | 2,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 1,846 |
| Cost of funding earning assets | 0.9554% | 3,996 |
| Net interest margin | 4.3471% | 1,568 |
| Noninterest income to average assets | 0.3300% | 5,225 |
| Noninterest expense to average assets | 2.5178% | 5,407 |
| Loan and lease loss provision to assets | 0.7743% | 1,215 |
| Net operating income to assets | 0.7963% | 3,181 |
| Return on assets (ROA) | 0.7963% | 3,346 |
| Pretax return on assets | 1.0762% | 3,112 |
| Return on Equity (ROE) | 8.8627% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.9225% | 1,534 |
| Net charge-offs to loans | 1.5507% | 923 |
| Credit loss provision to net charge-offs | 65.1350% | 4,626 |
| Earnings coverage of net charge-offs (x) | 1.5566% | 4,469 |
| Efficiency ratio | 57.1355% | 6,124 |
| Assets per employee ($millions) | 5.5690% | 1,530 |
| Cash dividends to net income (ytd only)* | 10.6084% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 3,037 |
| Loan loss allowance to noncurrent loans | 56.9061% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.8772% | 2,251 |
| Noncurrent loans to loans | 3.1117% | 2,231 |
| Net loans and leases to total assets | 71.5821% | 1,801 |
| Net loans and leases to deposits | 79.4558% | 2,730 |
| Net loans and leases to core deposits | 88.1496% | 2,467 |
| Total domestic deposits to total assets | 90.0904% | 818 |
| Equity capital to assets | 9.3613% | 5,287 |
| Core capital (leverage) ratio | 9.3896% | 4,323 |
| Tier 1 risk-based capital ratio | 11.8969% | 5,963 |
| Total risk-based capital ratio | 13.1525% | 5,945 |
| Memoranda: | ||
| Average total assets | $236,758,250 | 2,678 |
| Average earning assets | $219,940,250 | 2,629 |
| Average equity | $21,272,250 | 2,974 |
| Average total loans | $181,505,750 | 2,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 1,667 |
| Cost of funding earning assets | 0.9830% | 4,064 |
| Net interest margin | 4.3836% | 1,424 |
| Noninterest income to average assets | 0.2569% | 5,811 |
| Noninterest expense to average assets | 2.4702% | 5,644 |
| Loan and lease loss provision to assets | 0.6784% | 1,418 |
| Net operating income to assets | 0.8573% | 2,828 |
| Return on assets (ROA) | 0.8573% | 2,921 |
| Pretax return on assets | 1.1812% | 2,555 |
| Return on Equity (ROE) | 9.6790% | 2,237 |
| Retained earnings to average equity (ytd only) | 8.7216% | 1,203 |
| Net charge-offs to loans | 2.1356% | 604 |
| Credit loss provision to net charge-offs | 40.7539% | 4,805 |
| Earnings coverage of net charge-offs (x) | 1.1172% | 4,439 |
| Efficiency ratio | 56.5413% | 6,356 |
| Assets per employee ($millions) | 5.3320% | 1,722 |
| Cash dividends to net income (ytd only)* | 9.8912% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,222 |
| Loan loss allowance to noncurrent loans | 49.1257% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.5131% | 2,651 |
| Noncurrent loans to loans | 3.0128% | 2,409 |
| Net loans and leases to total assets | 75.7287% | 1,117 |
| Net loans and leases to deposits | 84.7136% | 1,989 |
| Net loans and leases to core deposits | 92.3976% | 2,084 |
| Total domestic deposits to total assets | 89.3937% | 1,306 |
| Equity capital to assets | 9.2623% | 5,188 |
| Core capital (leverage) ratio | 9.1238% | 4,525 |
| Tier 1 risk-based capital ratio | 11.5810% | 6,105 |
| Total risk-based capital ratio | 12.7625% | 6,144 |
| Memoranda: | ||
| Average total assets | $235,856,000 | 2,695 |
| Average earning assets | $219,132,670 | 2,656 |
| Average equity | $20,890,670 | 3,018 |
| Average total loans | $183,839,670 | 2,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 1,551 |
| Cost of funding earning assets | 1.0088% | 4,142 |
| Net interest margin | 4.3922% | 1,301 |
| Noninterest income to average assets | 0.1861% | 6,392 |
| Noninterest expense to average assets | 2.5152% | 5,503 |
| Loan and lease loss provision to assets | 0.6343% | 1,359 |
| Net operating income to assets | 0.7899% | 3,084 |
| Return on assets (ROA) | 0.7899% | 3,152 |
| Pretax return on assets | 1.1164% | 2,695 |
| Return on Equity (ROE) | 9.1251% | 2,421 |
| Retained earnings to average equity (ytd only) | 8.1481% | 1,677 |
| Net charge-offs to loans | 0.1983% | 3,314 |
| Credit loss provision to net charge-offs | 407.6087% | 827 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,564 |
| Efficiency ratio | 58.4457% | 6,212 |
| Assets per employee ($millions) | 4.9234% | 2,268 |
| Cash dividends to net income (ytd only)* | 10.7066% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2143% | 1,925 |
| Loan loss allowance to noncurrent loans | 62.9794% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 2,347 |
| Noncurrent loans to loans | 3.5158% | 2,116 |
| Net loans and leases to total assets | 77.0274% | 872 |
| Net loans and leases to deposits | 85.6361% | 1,787 |
| Net loans and leases to core deposits | 91.2273% | 2,206 |
| Total domestic deposits to total assets | 89.9473% | 1,178 |
| Equity capital to assets | 8.8653% | 5,403 |
| Core capital (leverage) ratio | 8.9049% | 4,766 |
| Tier 1 risk-based capital ratio | 11.0662% | 6,462 |
| Total risk-based capital ratio | 12.3278% | 6,432 |
| Memoranda: | ||
| Average total assets | $236,481,000 | 2,716 |
| Average earning assets | $219,662,500 | 2,666 |
| Average equity | $20,471,000 | 3,055 |
| Average total loans | $185,593,000 | 2,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 1,762 |
| Cost of funding earning assets | 1.2725% | 4,070 |
| Net interest margin | 4.3714% | 1,584 |
| Noninterest income to average assets | 0.4326% | 4,662 |
| Noninterest expense to average assets | 2.3137% | 6,317 |
| Loan and lease loss provision to assets | 1.1246% | 1,421 |
| Net operating income to assets | 0.7947% | 2,827 |
| Return on assets (ROA) | 0.8446% | 2,748 |
| Pretax return on assets | 1.1482% | 2,403 |
| Return on Equity (ROE) | 10.1917% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.1917% | 479 |
| Net charge-offs to loans | 0.6273% | 3,143 |
| Credit loss provision to net charge-offs | 224.0788% | 1,335 |
| Earnings coverage of net charge-offs (x) | 4.3942% | 2,940 |
| Efficiency ratio | 50.7042% | 7,075 |
| Assets per employee ($millions) | 5.0348% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 2,128 |
| Loan loss allowance to noncurrent loans | 118.6745% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 4,139 |
| Noncurrent loans to loans | 1.7451% | 3,890 |
| Net loans and leases to total assets | 76.5717% | 1,167 |
| Net loans and leases to deposits | 83.9944% | 2,449 |
| Net loans and leases to core deposits | 88.8783% | 2,920 |
| Total domestic deposits to total assets | 91.1628% | 529 |
| Equity capital to assets | 8.4480% | 5,923 |
| Core capital (leverage) ratio | 8.2238% | 5,795 |
| Tier 1 risk-based capital ratio | 10.7257% | 6,551 |
| Total risk-based capital ratio | 11.9856% | 6,512 |
| Memoranda: | ||
| Average total assets | $232,528,800 | 2,714 |
| Average earning assets | $217,369,200 | 2,661 |
| Average equity | $19,270,600 | 3,246 |
| Average total loans | $186,025,600 | 2,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 1,897 |
| Cost of funding earning assets | 1.3094% | 4,156 |
| Net interest margin | 4.3355% | 1,730 |
| Noninterest income to average assets | 0.3905% | 5,037 |
| Noninterest expense to average assets | 2.3631% | 6,140 |
| Loan and lease loss provision to assets | 1.2037% | 1,188 |
| Net operating income to assets | 0.5825% | 3,947 |
| Return on assets (ROA) | 0.6422% | 3,861 |
| Pretax return on assets | 0.9722% | 3,283 |
| Return on Equity (ROE) | 7.7873% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.7873% | 1,492 |
| Net charge-offs to loans | 0.5755% | 3,020 |
| Credit loss provision to net charge-offs | 259.9502% | 1,274 |
| Earnings coverage of net charge-offs (x) | 4.5037% | 3,025 |
| Efficiency ratio | 52.6152% | 6,924 |
| Assets per employee ($millions) | 5.0834% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 2,307 |
| Loan loss allowance to noncurrent loans | 109.3862% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 4,419 |
| Noncurrent loans to loans | 1.7966% | 3,953 |
| Net loans and leases to total assets | 75.0512% | 1,576 |
| Net loans and leases to deposits | 81.9053% | 3,128 |
| Net loans and leases to core deposits | 87.8455% | 3,386 |
| Total domestic deposits to total assets | 91.6317% | 270 |
| Equity capital to assets | 8.0413% | 6,767 |
| Core capital (leverage) ratio | 8.1037% | 6,188 |
| Tier 1 risk-based capital ratio | 10.1932% | 6,962 |
| Total risk-based capital ratio | 11.4519% | 6,934 |
| Memoranda: | ||
| Average total assets | $231,501,750 | 2,766 |
| Average earning assets | $216,684,500 | 2,708 |
| Average equity | $19,090,500 | 3,306 |
| Average total loans | $186,274,750 | 2,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7403% | 1,594 |
| Cost of funding earning assets | 1.3644% | 4,092 |
| Net interest margin | 4.3759% | 1,519 |
| Noninterest income to average assets | 0.4188% | 4,768 |
| Noninterest expense to average assets | 2.5742% | 5,439 |
| Loan and lease loss provision to assets | 0.6730% | 2,148 |
| Net operating income to assets | 0.8190% | 2,881 |
| Return on assets (ROA) | 0.9088% | 2,632 |
| Pretax return on assets | 1.4067% | 1,821 |
| Return on Equity (ROE) | 10.9233% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.9233% | 673 |
| Net charge-offs to loans | 0.5793% | 2,799 |
| Credit loss provision to net charge-offs | 141.9295% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.0946% | 3,054 |
| Efficiency ratio | 56.4972% | 6,574 |
| Assets per employee ($millions) | 4.7780% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,436 |
| Loan loss allowance to noncurrent loans | 105.8539% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 4,453 |
| Noncurrent loans to loans | 1.3203% | 4,745 |
| Net loans and leases to total assets | 80.6568% | 706 |
| Net loans and leases to deposits | 90.3955% | 1,792 |
| Net loans and leases to core deposits | 102.3975% | 1,789 |
| Total domestic deposits to total assets | 89.2266% | 1,316 |
| Equity capital to assets | 8.4677% | 6,200 |
| Core capital (leverage) ratio | 8.5035% | 5,400 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,941 |
| Total risk-based capital ratio | 11.4054% | 6,907 |
| Memoranda: | ||
| Average total assets | $227,334,330 | 2,845 |
| Average earning assets | $212,847,670 | 2,777 |
| Average equity | $18,913,670 | 3,312 |
| Average total loans | $186,100,000 | 2,352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7335% | 1,660 |
| Cost of funding earning assets | 1.4479% | 3,892 |
| Net interest margin | 4.2855% | 1,729 |
| Noninterest income to average assets | 0.3870% | 5,022 |
| Noninterest expense to average assets | 2.6404% | 5,183 |
| Loan and lease loss provision to assets | 0.6627% | 1,913 |
| Net operating income to assets | 0.7149% | 3,368 |
| Return on assets (ROA) | 0.8642% | 2,785 |
| Pretax return on assets | 1.3502% | 1,903 |
| Return on Equity (ROE) | 10.4820% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.4820% | 1,050 |
| Net charge-offs to loans | 0.3906% | 2,876 |
| Credit loss provision to net charge-offs | 207.1823% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.5635% | 2,372 |
| Efficiency ratio | 59.2163% | 6,304 |
| Assets per employee ($millions) | 4.8743% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,435 |
| Loan loss allowance to noncurrent loans | 126.0321% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 4,735 |
| Noncurrent loans to loans | 1.1084% | 5,140 |
| Net loans and leases to total assets | 79.9531% | 848 |
| Net loans and leases to deposits | 88.1106% | 2,205 |
| Net loans and leases to core deposits | 100.7048% | 2,061 |
| Total domestic deposits to total assets | 90.7418% | 639 |
| Equity capital to assets | 8.2312% | 6,388 |
| Core capital (leverage) ratio | 8.2999% | 5,741 |
| Tier 1 risk-based capital ratio | 10.0223% | 7,018 |
| Total risk-based capital ratio | 11.2742% | 7,009 |
| Memoranda: | ||
| Average total assets | $226,330,500 | 2,914 |
| Average earning assets | $212,995,000 | 2,834 |
| Average equity | $18,660,500 | 3,372 |
| Average total loans | $185,349,000 | 2,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9699% | 1,993 |
| Cost of funding earning assets | 1.8591% | 3,683 |
| Net interest margin | 4.1108% | 2,406 |
| Noninterest income to average assets | 0.4911% | 4,483 |
| Noninterest expense to average assets | 2.4450% | 6,321 |
| Loan and lease loss provision to assets | 0.5497% | 3,620 |
| Net operating income to assets | 0.8557% | 2,328 |
| Return on assets (ROA) | 0.8938% | 2,270 |
| Pretax return on assets | 1.4208% | 1,381 |
| Return on Equity (ROE) | 11.0061% | 1,422 |
| Retained earnings to average equity (ytd only) | 10.8606% | 293 |
| Net charge-offs to loans | 0.4884% | 3,818 |
| Credit loss provision to net charge-offs | 134.6065% | 3,687 |
| Earnings coverage of net charge-offs (x) | 4.6794% | 2,854 |
| Efficiency ratio | 55.5664% | 7,064 |
| Assets per employee ($millions) | 4.7568% | 2,537 |
| Cash dividends to net income (ytd only)* | 1.3221% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,754 |
| Loan loss allowance to noncurrent loans | 118.9229% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,608 |
| Noncurrent loans to loans | 1.0944% | 5,135 |
| Net loans and leases to total assets | 81.6436% | 743 |
| Net loans and leases to deposits | 89.2973% | 2,340 |
| Net loans and leases to core deposits | 118.1425% | 2,112 |
| Total domestic deposits to total assets | 91.4290% | 398 |
| Equity capital to assets | 8.2588% | 6,264 |
| Core capital (leverage) ratio | 7.9702% | 6,237 |
| Tier 1 risk-based capital ratio | 9.9707% | 6,896 |
| Total risk-based capital ratio | 11.1490% | 6,933 |
| Memoranda: | ||
| Average total assets | $211,577,000 | 3,046 |
| Average earning assets | $198,915,000 | 2,984 |
| Average equity | $17,181,400 | 3,638 |
| Average total loans | $176,921,400 | 2,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9767% | 2,126 |
| Cost of funding earning assets | 1.9356% | 3,682 |
| Net interest margin | 4.0412% | 2,631 |
| Noninterest income to average assets | 0.5178% | 4,334 |
| Noninterest expense to average assets | 2.4419% | 6,272 |
| Loan and lease loss provision to assets | 0.5037% | 3,374 |
| Net operating income to assets | 0.8421% | 2,647 |
| Return on assets (ROA) | 0.8949% | 2,511 |
| Pretax return on assets | 1.4542% | 1,543 |
| Return on Equity (ROE) | 11.0708% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.8731% | 489 |
| Net charge-offs to loans | 0.0282% | 6,489 |
| Credit loss provision to net charge-offs | 2,129.7297% | 186 |
| Earnings coverage of net charge-offs (x) | 79.3006% | 424 |
| Efficiency ratio | 55.9816% | 7,001 |
| Assets per employee ($millions) | 4.7352% | 2,497 |
| Cash dividends to net income (ytd only)* | 1.7856% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,172 |
| Loan loss allowance to noncurrent loans | 100.2100% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 4,454 |
| Noncurrent loans to loans | 1.5524% | 4,312 |
| Net loans and leases to total assets | 81.4091% | 914 |
| Net loans and leases to deposits | 90.1990% | 2,541 |
| Net loans and leases to core deposits | 121.1777% | 2,142 |
| Total domestic deposits to total assets | 90.2550% | 683 |
| Equity capital to assets | 8.0668% | 6,781 |
| Core capital (leverage) ratio | 8.1328% | 6,133 |
| Tier 1 risk-based capital ratio | 9.7118% | 7,228 |
| Total risk-based capital ratio | 10.9658% | 7,182 |
| Memoranda: | ||
| Average total assets | $208,579,250 | 3,101 |
| Average earning assets | $196,111,000 | 3,040 |
| Average equity | $16,860,750 | 3,732 |
| Average total loans | $174,917,750 | 2,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0612% | 1,943 |
| Cost of funding earning assets | 2.0277% | 3,642 |
| Net interest margin | 4.0335% | 2,571 |
| Noninterest income to average assets | 0.6032% | 3,664 |
| Noninterest expense to average assets | 2.3911% | 6,494 |
| Loan and lease loss provision to assets | 0.5277% | 2,913 |
| Net operating income to assets | 0.9165% | 2,388 |
| Return on assets (ROA) | 0.9906% | 2,240 |
| Pretax return on assets | 1.5810% | 1,249 |
| Return on Equity (ROE) | 12.2449% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.9418% | 455 |
| Net charge-offs to loans | 0.0209% | 6,214 |
| Credit loss provision to net charge-offs | 2,988.8889% | 171 |
| Earnings coverage of net charge-offs (x) | 112.8889% | 340 |
| Efficiency ratio | 53.9597% | 7,338 |
| Assets per employee ($millions) | 4.8010% | 2,319 |
| Cash dividends to net income (ytd only)* | 2.4752% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 3,407 |
| Loan loss allowance to noncurrent loans | 167.3872% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 5,451 |
| Noncurrent loans to loans | 0.8732% | 5,474 |
| Net loans and leases to total assets | 84.0261% | 635 |
| Net loans and leases to deposits | 92.0009% | 2,470 |
| Net loans and leases to core deposits | 122.2290% | 2,190 |
| Total domestic deposits to total assets | 91.3319% | 359 |
| Equity capital to assets | 8.2795% | 6,371 |
| Core capital (leverage) ratio | 8.3347% | 5,733 |
| Tier 1 risk-based capital ratio | 9.8121% | 7,121 |
| Total risk-based capital ratio | 10.9900% | 7,135 |
| Memoranda: | ||
| Average total assets | $203,920,670 | 3,177 |
| Average earning assets | $191,150,670 | 3,126 |
| Average equity | $16,496,670 | 3,815 |
| Average total loans | $171,876,000 | 2,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 1,886 |
| Cost of funding earning assets | 2.1400% | 3,462 |
| Net interest margin | 3.9765% | 2,748 |
| Noninterest income to average assets | 0.6392% | 3,279 |
| Noninterest expense to average assets | 2.4089% | 6,161 |
| Loan and lease loss provision to assets | 0.7750% | 1,658 |
| Net operating income to assets | 0.7354% | 3,411 |
| Return on assets (ROA) | 0.8569% | 3,037 |
| Pretax return on assets | 1.3602% | 2,086 |
| Return on Equity (ROE) | 10.7250% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.1000% | 1,164 |
| Net charge-offs to loans | 0.0382% | 4,974 |
| Credit loss provision to net charge-offs | 2,425.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 60.8750% | 640 |
| Efficiency ratio | 54.7248% | 7,145 |
| Assets per employee ($millions) | 4.6797% | 2,463 |
| Cash dividends to net income (ytd only)* | 5.8275% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 3,174 |
| Loan loss allowance to noncurrent loans | 215.3380% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 5,666 |
| Noncurrent loans to loans | 0.6793% | 5,706 |
| Net loans and leases to total assets | 83.1907% | 825 |
| Net loans and leases to deposits | 94.2006% | 2,237 |
| Net loans and leases to core deposits | 124.4401% | 2,047 |
| Total domestic deposits to total assets | 88.3123% | 1,570 |
| Equity capital to assets | 8.2931% | 6,405 |
| Core capital (leverage) ratio | 8.1735% | 6,155 |
| Tier 1 risk-based capital ratio | 9.8421% | 7,093 |
| Total risk-based capital ratio | 11.0161% | 7,087 |
| Memoranda: | ||
| Average total assets | $200,258,500 | 3,242 |
| Average earning assets | $187,098,500 | 3,196 |
| Average equity | $16,000,000 | 3,943 |
| Average total loans | $167,747,000 | 2,731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6082% | 2,442 |
| Cost of funding earning assets | 2.7642% | 2,859 |
| Net interest margin | 3.8440% | 3,823 |
| Noninterest income to average assets | 0.5131% | 4,523 |
| Noninterest expense to average assets | 2.3946% | 6,411 |
| Loan and lease loss provision to assets | 0.2804% | 4,144 |
| Net operating income to assets | 0.9829% | 2,619 |
| Return on assets (ROA) | 0.5232% | 4,494 |
| Pretax return on assets | 0.7554% | 4,233 |
| Return on Equity (ROE) | 6.8261% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.3286% | 1,387 |
| Net charge-offs to loans | 0.0257% | 6,479 |
| Credit loss provision to net charge-offs | 1,315.7895% | 341 |
| Earnings coverage of net charge-offs (x) | 79.8684% | 519 |
| Efficiency ratio | 57.7413% | 6,742 |
| Assets per employee ($millions) | 4.7450% | 2,254 |
| Cash dividends to net income (ytd only)* | 7.2883% | 4,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 3,956 |
| Loan loss allowance to noncurrent loans | 300.5690% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,083 |
| Noncurrent loans to loans | 0.4245% | 6,071 |
| Net loans and leases to total assets | 82.0381% | 1,224 |
| Net loans and leases to deposits | 89.3409% | 3,564 |
| Net loans and leases to core deposits | 122.4410% | 2,461 |
| Total domestic deposits to total assets | 91.8259% | 156 |
| Equity capital to assets | 7.6833% | 7,223 |
| Core capital (leverage) ratio | 7.7151% | 6,901 |
| Tier 1 risk-based capital ratio | 9.2413% | 7,581 |
| Total risk-based capital ratio | 10.4112% | 7,621 |
| Memoranda: | ||
| Average total assets | $178,318,600 | 3,430 |
| Average earning assets | $166,232,200 | 3,383 |
| Average equity | $13,668,200 | 4,412 |
| Average total loans | $148,019,400 | 2,963 |