Home > Galena State Bank & Trust Co. > Performance and Condition Ratios
Galena State Bank & Trust Co., Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,842 |
| Cost of funding earning assets | 0.5544% | 2,178 |
| Net interest margin | 3.4140% | 4,140 |
| Noninterest income to average assets | 0.9201% | 1,440 |
| Noninterest expense to average assets | 2.6196% | 4,145 |
| Loan and lease loss provision to assets | -0.2057% | 6,298 |
| Net operating income to assets | 1.2084% | 1,560 |
| Return on assets (ROA) | 1.2423% | 1,517 |
| Pretax return on assets | 1.7695% | 850 |
| Return on Equity (ROE) | 14.2347% | 894 |
| Retained earnings to average equity (ytd only) | 2.4282% | 4,502 |
| Net charge-offs to loans | -0.1173% | 6,156 |
| Credit loss provision to net charge-offs | 279.9065% | 907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2195% | 4,717 |
| Assets per employee ($millions) | 6.6278% | 995 |
| Cash dividends to net income (ytd only)* | 82.9417% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,678 |
| Loan loss allowance to noncurrent loans | 115.5472% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 3,748 |
| Noncurrent loans to loans | 0.7209% | 3,522 |
| Net loans and leases to total assets | 62.4978% | 3,440 |
| Net loans and leases to deposits | 78.0197% | 2,969 |
| Net loans and leases to core deposits | 80.6630% | 3,221 |
| Total domestic deposits to total assets | 80.1051% | 4,991 |
| Equity capital to assets | 8.8851% | 5,390 |
| Core capital (leverage) ratio | 8.9668% | 5,042 |
| Tier 1 risk-based capital ratio | 12.6471% | 4,946 |
| Total risk-based capital ratio | 13.3896% | 5,176 |
| Memoranda: | ||
| Average total assets | $291,148,600 | 2,204 |
| Average earning assets | $274,162,400 | 2,169 |
| Average equity | $25,409,800 | 2,625 |
| Average total loans | $182,419,400 | 2,203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,950 |
| Cost of funding earning assets | 0.5819% | 2,003 |
| Net interest margin | 3.3717% | 4,345 |
| Noninterest income to average assets | 0.8375% | 1,751 |
| Noninterest expense to average assets | 2.5655% | 4,302 |
| Loan and lease loss provision to assets | -0.2446% | 6,423 |
| Net operating income to assets | 1.1898% | 1,709 |
| Return on assets (ROA) | 1.1898% | 1,782 |
| Pretax return on assets | 1.6864% | 1,092 |
| Return on Equity (ROE) | 13.6945% | 1,051 |
| Retained earnings to average equity (ytd only) | 1.8298% | 5,136 |
| Net charge-offs to loans | -0.0871% | 6,099 |
| Credit loss provision to net charge-offs | 448.7395% | 635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8848% | 4,565 |
| Assets per employee ($millions) | 6.6691% | 930 |
| Cash dividends to net income (ytd only)* | 86.6386% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 5,790 |
| Loan loss allowance to noncurrent loans | 109.0051% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 3,816 |
| Noncurrent loans to loans | 0.7622% | 3,690 |
| Net loans and leases to total assets | 61.0538% | 3,619 |
| Net loans and leases to deposits | 70.8960% | 3,812 |
| Net loans and leases to core deposits | 73.1797% | 4,032 |
| Total domestic deposits to total assets | 86.1175% | 2,794 |
| Equity capital to assets | 8.7847% | 5,562 |
| Core capital (leverage) ratio | 8.7453% | 5,386 |
| Tier 1 risk-based capital ratio | 12.9909% | 4,870 |
| Total risk-based capital ratio | 13.7471% | 5,108 |
| Memoranda: | ||
| Average total assets | $291,030,000 | 2,221 |
| Average earning assets | $273,603,000 | 2,185 |
| Average equity | $25,284,500 | 2,643 |
| Average total loans | $182,077,000 | 2,219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,677 |
| Cost of funding earning assets | 0.5932% | 1,955 |
| Net interest margin | 3.4209% | 4,098 |
| Noninterest income to average assets | 0.8890% | 1,529 |
| Noninterest expense to average assets | 2.5518% | 4,410 |
| Loan and lease loss provision to assets | -0.3322% | 6,542 |
| Net operating income to assets | 1.3078% | 1,287 |
| Return on assets (ROA) | 1.2914% | 1,389 |
| Pretax return on assets | 1.8530% | 753 |
| Return on Equity (ROE) | 14.9204% | 805 |
| Retained earnings to average equity (ytd only) | 2.9777% | 4,309 |
| Net charge-offs to loans | -0.1304% | 6,225 |
| Credit loss provision to net charge-offs | 405.0420% | 690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1467% | 4,990 |
| Assets per employee ($millions) | 6.1937% | 1,175 |
| Cash dividends to net income (ytd only)* | 80.0427% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 5,854 |
| Loan loss allowance to noncurrent loans | 138.2903% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 4,207 |
| Noncurrent loans to loans | 0.6204% | 4,164 |
| Net loans and leases to total assets | 60.3650% | 3,658 |
| Net loans and leases to deposits | 69.8225% | 3,844 |
| Net loans and leases to core deposits | 71.5312% | 4,095 |
| Total domestic deposits to total assets | 86.4550% | 2,786 |
| Equity capital to assets | 8.6677% | 5,643 |
| Core capital (leverage) ratio | 9.0852% | 4,893 |
| Tier 1 risk-based capital ratio | 12.6781% | 5,099 |
| Total risk-based capital ratio | 13.4400% | 5,343 |
| Memoranda: | ||
| Average total assets | $290,226,330 | 2,226 |
| Average earning assets | $272,089,330 | 2,194 |
| Average equity | $25,120,000 | 2,649 |
| Average total loans | $182,550,000 | 2,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,647 |
| Cost of funding earning assets | 0.6114% | 1,888 |
| Net interest margin | 3.3971% | 4,127 |
| Noninterest income to average assets | 0.7604% | 1,912 |
| Noninterest expense to average assets | 2.6440% | 4,134 |
| Loan and lease loss provision to assets | -0.3656% | 6,637 |
| Net operating income to assets | 1.1879% | 1,517 |
| Return on assets (ROA) | 1.1176% | 1,803 |
| Pretax return on assets | 1.5627% | 1,254 |
| Return on Equity (ROE) | 12.9217% | 1,178 |
| Retained earnings to average equity (ytd only) | 0.8227% | 5,262 |
| Net charge-offs to loans | -0.1353% | 6,253 |
| Credit loss provision to net charge-offs | 422.5806% | 627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9855% | 4,366 |
| Assets per employee ($millions) | 5.7740% | 1,479 |
| Cash dividends to net income (ytd only)* | 93.6330% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 5,742 |
| Loan loss allowance to noncurrent loans | 97.6109% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 4,046 |
| Noncurrent loans to loans | 0.9619% | 3,492 |
| Net loans and leases to total assets | 63.9896% | 2,895 |
| Net loans and leases to deposits | 73.9907% | 3,062 |
| Net loans and leases to core deposits | 75.8066% | 3,424 |
| Total domestic deposits to total assets | 86.4833% | 3,119 |
| Equity capital to assets | 8.9148% | 5,211 |
| Core capital (leverage) ratio | 9.0401% | 4,951 |
| Tier 1 risk-based capital ratio | 12.7710% | 5,145 |
| Total risk-based capital ratio | 13.6308% | 5,323 |
| Memoranda: | ||
| Average total assets | $286,690,500 | 2,257 |
| Average earning assets | $268,226,500 | 2,233 |
| Average equity | $24,795,500 | 2,664 |
| Average total loans | $183,316,500 | 2,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 4,125 |
| Cost of funding earning assets | 0.7290% | 1,629 |
| Net interest margin | 3.2597% | 4,808 |
| Noninterest income to average assets | 1.0195% | 1,350 |
| Noninterest expense to average assets | 2.8399% | 3,571 |
| Loan and lease loss provision to assets | 0.0791% | 3,525 |
| Net operating income to assets | 0.8278% | 3,143 |
| Return on assets (ROA) | 1.0147% | 2,327 |
| Pretax return on assets | 1.3985% | 1,785 |
| Return on Equity (ROE) | 11.4747% | 1,604 |
| Retained earnings to average equity (ytd only) | -2.0159% | 6,177 |
| Net charge-offs to loans | 0.1975% | 2,886 |
| Credit loss provision to net charge-offs | 66.8588% | 3,387 |
| Earnings coverage of net charge-offs (x) | 10.3285% | 2,388 |
| Efficiency ratio | 69.7717% | 3,872 |
| Assets per employee ($millions) | 5.6952% | 1,479 |
| Cash dividends to net income (ytd only)* | 117.5680% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,371 |
| Loan loss allowance to noncurrent loans | 103.0108% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 4,132 |
| Noncurrent loans to loans | 1.0116% | 3,493 |
| Net loans and leases to total assets | 62.6458% | 3,263 |
| Net loans and leases to deposits | 74.4193% | 3,202 |
| Net loans and leases to core deposits | 76.2295% | 3,582 |
| Total domestic deposits to total assets | 84.1794% | 4,100 |
| Equity capital to assets | 8.3899% | 5,704 |
| Core capital (leverage) ratio | 8.6458% | 5,487 |
| Tier 1 risk-based capital ratio | 12.4829% | 5,302 |
| Total risk-based capital ratio | 13.4236% | 5,447 |
| Memoranda: | ||
| Average total assets | $293,387,800 | 2,190 |
| Average earning assets | $273,800,600 | 2,151 |
| Average equity | $25,944,000 | 2,553 |
| Average total loans | $175,656,600 | 2,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 4,112 |
| Cost of funding earning assets | 0.7540% | 1,574 |
| Net interest margin | 3.2510% | 4,820 |
| Noninterest income to average assets | 0.9678% | 1,551 |
| Noninterest expense to average assets | 2.5952% | 4,403 |
| Loan and lease loss provision to assets | 0.0870% | 3,317 |
| Net operating income to assets | 0.9336% | 2,671 |
| Return on assets (ROA) | 1.1673% | 1,824 |
| Pretax return on assets | 1.6424% | 1,237 |
| Return on Equity (ROE) | 13.0355% | 1,224 |
| Retained earnings to average equity (ytd only) | -0.8859% | 6,119 |
| Net charge-offs to loans | 0.2696% | 2,203 |
| Credit loss provision to net charge-offs | 54.7009% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.8005% | 2,573 |
| Efficiency ratio | 64.8060% | 4,675 |
| Assets per employee ($millions) | 6.0486% | 1,209 |
| Cash dividends to net income (ytd only)* | 106.7962% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,513 |
| Loan loss allowance to noncurrent loans | 96.6942% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,007 |
| Noncurrent loans to loans | 1.0898% | 3,613 |
| Net loans and leases to total assets | 59.3084% | 3,806 |
| Net loans and leases to deposits | 69.5632% | 3,846 |
| Net loans and leases to core deposits | 70.2816% | 4,295 |
| Total domestic deposits to total assets | 85.2583% | 3,606 |
| Equity capital to assets | 8.4499% | 5,789 |
| Core capital (leverage) ratio | 8.6980% | 5,540 |
| Tier 1 risk-based capital ratio | 12.8328% | 5,237 |
| Total risk-based capital ratio | 13.7652% | 5,394 |
| Memoranda: | ||
| Average total assets | $294,120,500 | 2,195 |
| Average earning assets | $273,923,250 | 2,158 |
| Average equity | $26,337,750 | 2,547 |
| Average total loans | $173,602,000 | 2,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,845 |
| Cost of funding earning assets | 0.7716% | 1,575 |
| Net interest margin | 3.2983% | 4,586 |
| Noninterest income to average assets | 0.9769% | 1,589 |
| Noninterest expense to average assets | 2.5027% | 4,715 |
| Loan and lease loss provision to assets | -0.2250% | 6,796 |
| Net operating income to assets | 1.2073% | 1,578 |
| Return on assets (ROA) | 1.5346% | 910 |
| Pretax return on assets | 2.2579% | 377 |
| Return on Equity (ROE) | 16.8180% | 574 |
| Retained earnings to average equity (ytd only) | 1.8753% | 5,075 |
| Net charge-offs to loans | -0.0673% | 6,373 |
| Credit loss provision to net charge-offs | 568.9655% | 505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5773% | 5,233 |
| Assets per employee ($millions) | 5.9263% | 1,256 |
| Cash dividends to net income (ytd only)* | 88.8494% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,675 |
| Loan loss allowance to noncurrent loans | 96.8079% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.7628% | 2,470 |
| Noncurrent loans to loans | 1.0721% | 3,786 |
| Net loans and leases to total assets | 57.7576% | 4,027 |
| Net loans and leases to deposits | 68.3671% | 3,958 |
| Net loans and leases to core deposits | 69.3891% | 4,342 |
| Total domestic deposits to total assets | 84.4815% | 4,132 |
| Equity capital to assets | 8.8750% | 5,360 |
| Core capital (leverage) ratio | 9.0352% | 4,930 |
| Tier 1 risk-based capital ratio | 13.5499% | 4,742 |
| Total risk-based capital ratio | 14.4606% | 4,924 |
| Memoranda: | ||
| Average total assets | $293,366,330 | 2,204 |
| Average earning assets | $273,720,000 | 2,163 |
| Average equity | $26,769,000 | 2,510 |
| Average total loans | $172,252,000 | 2,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 3,717 |
| Cost of funding earning assets | 0.7932% | 1,567 |
| Net interest margin | 3.3092% | 4,482 |
| Noninterest income to average assets | 1.2576% | 969 |
| Noninterest expense to average assets | 2.5897% | 4,434 |
| Loan and lease loss provision to assets | -0.1926% | 6,893 |
| Net operating income to assets | 1.3166% | 1,239 |
| Return on assets (ROA) | 1.7229% | 612 |
| Pretax return on assets | 2.5626% | 249 |
| Return on Equity (ROE) | 18.6302% | 390 |
| Retained earnings to average equity (ytd only) | 3.9608% | 3,859 |
| Net charge-offs to loans | 0.0760% | 3,085 |
| Credit loss provision to net charge-offs | -430.3030% | 5,440 |
| Earnings coverage of net charge-offs (x) | 39.3939% | 799 |
| Efficiency ratio | 59.3331% | 5,679 |
| Assets per employee ($millions) | 6.0099% | 1,245 |
| Cash dividends to net income (ytd only)* | 78.7402% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,649 |
| Loan loss allowance to noncurrent loans | 50.1757% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 2,491 |
| Noncurrent loans to loans | 2.1703% | 2,425 |
| Net loans and leases to total assets | 57.2459% | 3,879 |
| Net loans and leases to deposits | 71.7362% | 3,217 |
| Net loans and leases to core deposits | 72.7733% | 3,730 |
| Total domestic deposits to total assets | 79.8006% | 5,795 |
| Equity capital to assets | 9.2528% | 5,191 |
| Core capital (leverage) ratio | 9.3303% | 4,350 |
| Tier 1 risk-based capital ratio | 13.5997% | 4,798 |
| Total risk-based capital ratio | 14.5646% | 4,956 |
| Memoranda: | ||
| Average total assets | $294,855,500 | 2,225 |
| Average earning assets | $275,840,500 | 2,179 |
| Average equity | $27,267,500 | 2,503 |
| Average total loans | $173,638,000 | 2,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 4,568 |
| Cost of funding earning assets | 0.9184% | 1,828 |
| Net interest margin | 3.2890% | 5,283 |
| Noninterest income to average assets | 1.1180% | 1,244 |
| Noninterest expense to average assets | 2.4994% | 5,093 |
| Loan and lease loss provision to assets | 0.1905% | 3,258 |
| Net operating income to assets | 1.0596% | 2,086 |
| Return on assets (ROA) | 1.1663% | 1,869 |
| Pretax return on assets | 1.6553% | 1,248 |
| Return on Equity (ROE) | 13.0777% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.5030% | 2,382 |
| Net charge-offs to loans | 0.2142% | 3,676 |
| Credit loss provision to net charge-offs | 153.2609% | 1,769 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,807 |
| Efficiency ratio | 59.4651% | 5,623 |
| Assets per employee ($millions) | 6.0250% | 1,261 |
| Cash dividends to net income (ytd only)* | 57.9206% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,351 |
| Loan loss allowance to noncurrent loans | 31.2221% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 2.6796% | 1,801 |
| Noncurrent loans to loans | 3.6785% | 1,320 |
| Net loans and leases to total assets | 59.2117% | 3,749 |
| Net loans and leases to deposits | 71.1896% | 3,540 |
| Net loans and leases to core deposits | 72.0820% | 4,039 |
| Total domestic deposits to total assets | 83.1746% | 4,646 |
| Equity capital to assets | 9.2427% | 5,217 |
| Core capital (leverage) ratio | 8.8405% | 5,114 |
| Tier 1 risk-based capital ratio | 13.1650% | 4,987 |
| Total risk-based capital ratio | 14.1996% | 5,085 |
| Memoranda: | ||
| Average total assets | $296,071,800 | 2,165 |
| Average earning assets | $276,800,400 | 2,121 |
| Average equity | $26,403,800 | 2,534 |
| Average total loans | $171,829,000 | 2,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 4,549 |
| Cost of funding earning assets | 0.9389% | 1,926 |
| Net interest margin | 3.3372% | 5,260 |
| Noninterest income to average assets | 0.8739% | 1,928 |
| Noninterest expense to average assets | 2.4561% | 5,224 |
| Loan and lease loss provision to assets | 0.1391% | 3,805 |
| Net operating income to assets | 0.9853% | 2,583 |
| Return on assets (ROA) | 1.1358% | 2,158 |
| Pretax return on assets | 1.6097% | 1,549 |
| Return on Equity (ROE) | 12.8528% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.2145% | 3,215 |
| Net charge-offs to loans | 0.1657% | 3,796 |
| Credit loss provision to net charge-offs | 145.7547% | 1,955 |
| Earnings coverage of net charge-offs (x) | 16.1085% | 1,712 |
| Efficiency ratio | 61.3547% | 5,252 |
| Assets per employee ($millions) | 6.0249% | 1,233 |
| Cash dividends to net income (ytd only)* | 59.4295% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,676 |
| Loan loss allowance to noncurrent loans | 35.2683% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1807% | 2,458 |
| Noncurrent loans to loans | 3.1463% | 1,758 |
| Net loans and leases to total assets | 58.3205% | 4,081 |
| Net loans and leases to deposits | 69.6123% | 3,947 |
| Net loans and leases to core deposits | 70.8670% | 4,393 |
| Total domestic deposits to total assets | 83.7790% | 4,325 |
| Equity capital to assets | 9.1955% | 5,599 |
| Core capital (leverage) ratio | 8.5984% | 5,623 |
| Tier 1 risk-based capital ratio | 13.0228% | 5,221 |
| Total risk-based capital ratio | 14.0106% | 5,397 |
| Memoranda: | ||
| Average total assets | $296,283,000 | 2,181 |
| Average earning assets | $276,908,500 | 2,141 |
| Average equity | $26,183,000 | 2,571 |
| Average total loans | $170,576,250 | 2,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 4,641 |
| Cost of funding earning assets | 0.9542% | 2,036 |
| Net interest margin | 3.3269% | 5,361 |
| Noninterest income to average assets | 0.8354% | 2,023 |
| Noninterest expense to average assets | 2.4029% | 5,455 |
| Loan and lease loss provision to assets | -0.0526% | 7,077 |
| Net operating income to assets | 1.1272% | 1,958 |
| Return on assets (ROA) | 1.0693% | 2,391 |
| Pretax return on assets | 1.5062% | 1,829 |
| Return on Equity (ROE) | 12.2653% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.5318% | 3,589 |
| Net charge-offs to loans | -0.0602% | 6,718 |
| Credit loss provision to net charge-offs | 152.9412% | 1,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8629% | 5,442 |
| Assets per employee ($millions) | 6.3166% | 1,062 |
| Cash dividends to net income (ytd only)* | 63.0517% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,911 |
| Loan loss allowance to noncurrent loans | 27.1553% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 2.5882% | 2,143 |
| Noncurrent loans to loans | 3.9175% | 1,419 |
| Net loans and leases to total assets | 54.3266% | 4,739 |
| Net loans and leases to deposits | 65.2246% | 4,612 |
| Net loans and leases to core deposits | 66.3516% | 4,958 |
| Total domestic deposits to total assets | 83.2916% | 4,629 |
| Equity capital to assets | 8.4497% | 6,261 |
| Core capital (leverage) ratio | 8.6372% | 5,467 |
| Tier 1 risk-based capital ratio | 12.6204% | 5,478 |
| Total risk-based capital ratio | 13.5347% | 5,711 |
| Memoranda: | ||
| Average total assets | $296,636,670 | 2,176 |
| Average earning assets | $276,657,670 | 2,138 |
| Average equity | $25,861,670 | 2,590 |
| Average total loans | $169,399,330 | 2,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 3,545 |
| Cost of funding earning assets | 0.9963% | 2,004 |
| Net interest margin | 3.5955% | 4,288 |
| Noninterest income to average assets | 0.8105% | 2,117 |
| Noninterest expense to average assets | 2.4604% | 5,287 |
| Loan and lease loss provision to assets | 0.0331% | 4,961 |
| Net operating income to assets | 1.3123% | 1,428 |
| Return on assets (ROA) | 0.6023% | 4,552 |
| Pretax return on assets | 0.7609% | 4,569 |
| Return on Equity (ROE) | 6.7973% | 3,895 |
| Retained earnings to average equity (ytd only) | -0.9799% | 6,151 |
| Net charge-offs to loans | 0.0142% | 4,497 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 204.6667% | 177 |
| Efficiency ratio | 59.0773% | 5,760 |
| Assets per employee ($millions) | 5.9131% | 1,337 |
| Cash dividends to net income (ytd only)* | 114.4165% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,877 |
| Loan loss allowance to noncurrent loans | 26.9164% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 2,035 |
| Noncurrent loans to loans | 4.1159% | 1,472 |
| Net loans and leases to total assets | 57.1198% | 4,198 |
| Net loans and leases to deposits | 67.3360% | 4,174 |
| Net loans and leases to core deposits | 68.4800% | 4,632 |
| Total domestic deposits to total assets | 84.8281% | 4,112 |
| Equity capital to assets | 8.8686% | 5,674 |
| Core capital (leverage) ratio | 8.6504% | 5,379 |
| Tier 1 risk-based capital ratio | 12.6983% | 5,448 |
| Total risk-based capital ratio | 13.6652% | 5,636 |
| Memoranda: | ||
| Average total assets | $290,197,500 | 2,243 |
| Average earning assets | $269,785,000 | 2,204 |
| Average equity | $25,716,000 | 2,602 |
| Average total loans | $169,120,500 | 2,373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 4,247 |
| Cost of funding earning assets | 1.2119% | 1,952 |
| Net interest margin | 3.4887% | 5,190 |
| Noninterest income to average assets | 0.7538% | 2,318 |
| Noninterest expense to average assets | 2.6846% | 4,803 |
| Loan and lease loss provision to assets | -0.0460% | 7,243 |
| Net operating income to assets | 0.9409% | 2,448 |
| Return on assets (ROA) | 1.3139% | 1,312 |
| Pretax return on assets | 1.9047% | 655 |
| Return on Equity (ROE) | 15.0452% | 735 |
| Retained earnings to average equity (ytd only) | 4.4753% | 2,985 |
| Net charge-offs to loans | -0.0967% | 7,133 |
| Credit loss provision to net charge-offs | 85.1613% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8871% | 4,597 |
| Assets per employee ($millions) | 6.1841% | 1,113 |
| Cash dividends to net income (ytd only)* | 70.2545% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,910 |
| Loan loss allowance to noncurrent loans | 24.9084% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 3.2437% | 1,840 |
| Noncurrent loans to loans | 4.3110% | 1,411 |
| Net loans and leases to total assets | 58.1628% | 4,348 |
| Net loans and leases to deposits | 69.3872% | 4,219 |
| Net loans and leases to core deposits | 70.5914% | 4,707 |
| Total domestic deposits to total assets | 83.8234% | 4,399 |
| Equity capital to assets | 8.8545% | 5,728 |
| Core capital (leverage) ratio | 8.4126% | 5,699 |
| Tier 1 risk-based capital ratio | 12.4042% | 5,532 |
| Total risk-based capital ratio | 13.3369% | 5,755 |
| Memoranda: | ||
| Average total assets | $287,086,400 | 2,218 |
| Average earning assets | $267,347,400 | 2,188 |
| Average equity | $25,071,200 | 2,573 |
| Average total loans | $160,238,400 | 2,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 4,391 |
| Cost of funding earning assets | 1.2475% | 2,010 |
| Net interest margin | 3.4662% | 5,327 |
| Noninterest income to average assets | 0.2702% | 5,683 |
| Noninterest expense to average assets | 2.3867% | 5,800 |
| Loan and lease loss provision to assets | -0.1924% | 7,385 |
| Net operating income to assets | 0.9024% | 2,730 |
| Return on assets (ROA) | 1.2271% | 1,688 |
| Pretax return on assets | 1.7773% | 994 |
| Return on Equity (ROE) | 14.1012% | 1,023 |
| Retained earnings to average equity (ytd only) | 5.2679% | 3,020 |
| Net charge-offs to loans | -0.4713% | 7,342 |
| Credit loss provision to net charge-offs | 74.1472% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9707% | 4,324 |
| Assets per employee ($millions) | 6.1312% | 1,133 |
| Cash dividends to net income (ytd only)* | 62.6426% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,380 |
| Loan loss allowance to noncurrent loans | 21.2286% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 3.4428% | 1,831 |
| Noncurrent loans to loans | 5.7609% | 996 |
| Net loans and leases to total assets | 53.6811% | 5,213 |
| Net loans and leases to deposits | 61.9527% | 5,408 |
| Net loans and leases to core deposits | 62.9231% | 5,722 |
| Total domestic deposits to total assets | 86.6486% | 2,855 |
| Equity capital to assets | 8.8325% | 5,945 |
| Core capital (leverage) ratio | 8.3598% | 5,911 |
| Tier 1 risk-based capital ratio | 13.4034% | 4,803 |
| Total risk-based capital ratio | 14.4859% | 4,893 |
| Memoranda: | ||
| Average total assets | $286,194,250 | 2,228 |
| Average earning assets | $266,758,000 | 2,198 |
| Average equity | $24,905,000 | 2,582 |
| Average total loans | $157,576,000 | 2,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 4,074 |
| Cost of funding earning assets | 1.2931% | 1,986 |
| Net interest margin | 3.5148% | 5,090 |
| Noninterest income to average assets | 0.3358% | 5,203 |
| Noninterest expense to average assets | 2.4064% | 5,821 |
| Loan and lease loss provision to assets | 0.0155% | 6,087 |
| Net operating income to assets | 0.8111% | 3,023 |
| Return on assets (ROA) | 1.1944% | 1,672 |
| Pretax return on assets | 1.7489% | 962 |
| Return on Equity (ROE) | 13.7968% | 1,017 |
| Retained earnings to average equity (ytd only) | 4.8325% | 3,099 |
| Net charge-offs to loans | -0.3100% | 7,350 |
| Credit loss provision to net charge-offs | -9.0535% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5167% | 4,769 |
| Assets per employee ($millions) | 6.0473% | 1,162 |
| Cash dividends to net income (ytd only)* | 64.9734% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,876 |
| Loan loss allowance to noncurrent loans | 21.4862% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 3.6306% | 1,811 |
| Noncurrent loans to loans | 6.2308% | 927 |
| Net loans and leases to total assets | 51.6310% | 5,614 |
| Net loans and leases to deposits | 59.4344% | 5,784 |
| Net loans and leases to core deposits | 60.9316% | 6,011 |
| Total domestic deposits to total assets | 86.8705% | 2,807 |
| Equity capital to assets | 8.4760% | 6,217 |
| Core capital (leverage) ratio | 8.6798% | 5,256 |
| Tier 1 risk-based capital ratio | 13.3874% | 4,619 |
| Total risk-based capital ratio | 14.5562% | 4,660 |
| Memoranda: | ||
| Average total assets | $283,492,670 | 2,257 |
| Average earning assets | $263,854,670 | 2,225 |
| Average equity | $24,542,000 | 2,599 |
| Average total loans | $156,788,330 | 2,587 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 3,888 |
| Cost of funding earning assets | 1.3472% | 1,901 |
| Net interest margin | 3.4889% | 5,060 |
| Noninterest income to average assets | 0.7464% | 2,273 |
| Noninterest expense to average assets | 2.5725% | 5,320 |
| Loan and lease loss provision to assets | 0.6583% | 1,301 |
| Net operating income to assets | 0.5427% | 4,303 |
| Return on assets (ROA) | 0.8359% | 2,911 |
| Pretax return on assets | 1.1679% | 2,489 |
| Return on Equity (ROE) | 9.5485% | 2,266 |
| Retained earnings to average equity (ytd only) | 0.4783% | 5,632 |
| Net charge-offs to loans | -0.0279% | 6,686 |
| Credit loss provision to net charge-offs | -4,145.4545% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2676% | 5,319 |
| Assets per employee ($millions) | 5.6287% | 1,468 |
| Cash dividends to net income (ytd only)* | 94.9914% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 4,390 |
| Loan loss allowance to noncurrent loans | 21.2243% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 4.2435% | 1,544 |
| Noncurrent loans to loans | 6.8812% | 822 |
| Net loans and leases to total assets | 55.7263% | 5,043 |
| Net loans and leases to deposits | 64.1880% | 5,229 |
| Net loans and leases to core deposits | 65.9313% | 5,516 |
| Total domestic deposits to total assets | 86.8172% | 3,043 |
| Equity capital to assets | 8.7380% | 5,597 |
| Core capital (leverage) ratio | 8.5494% | 5,353 |
| Tier 1 risk-based capital ratio | 13.4777% | 4,434 |
| Total risk-based capital ratio | 14.7286% | 4,414 |
| Memoranda: | ||
| Average total assets | $277,080,000 | 2,330 |
| Average earning assets | $257,729,000 | 2,289 |
| Average equity | $24,255,000 | 2,620 |
| Average total loans | $157,648,500 | 2,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 4,435 |
| Cost of funding earning assets | 1.5878% | 2,142 |
| Net interest margin | 3.4367% | 5,486 |
| Noninterest income to average assets | 1.2015% | 1,038 |
| Noninterest expense to average assets | 2.1810% | 6,664 |
| Loan and lease loss provision to assets | 0.3640% | 3,932 |
| Net operating income to assets | 1.2915% | 1,200 |
| Return on assets (ROA) | 1.3603% | 1,103 |
| Pretax return on assets | 1.9488% | 545 |
| Return on Equity (ROE) | 16.3871% | 544 |
| Retained earnings to average equity (ytd only) | 8.1725% | 927 |
| Net charge-offs to loans | 0.7564% | 2,752 |
| Credit loss provision to net charge-offs | 85.4680% | 5,318 |
| Earnings coverage of net charge-offs (x) | 5.1995% | 2,686 |
| Efficiency ratio | 49.4431% | 7,173 |
| Assets per employee ($millions) | 5.5671% | 1,522 |
| Cash dividends to net income (ytd only)* | 50.1285% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,792 |
| Loan loss allowance to noncurrent loans | 17.7490% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 3.9037% | 1,746 |
| Noncurrent loans to loans | 6.4078% | 948 |
| Net loans and leases to total assets | 56.5864% | 5,246 |
| Net loans and leases to deposits | 66.5591% | 5,330 |
| Net loans and leases to core deposits | 68.3658% | 5,625 |
| Total domestic deposits to total assets | 85.0169% | 3,841 |
| Equity capital to assets | 8.7694% | 5,482 |
| Core capital (leverage) ratio | 8.2710% | 5,723 |
| Tier 1 risk-based capital ratio | 13.4223% | 4,276 |
| Total risk-based capital ratio | 14.4699% | 4,388 |
| Memoranda: | ||
| Average total assets | $285,971,200 | 2,238 |
| Average earning assets | $265,774,400 | 2,211 |
| Average equity | $23,738,200 | 2,678 |
| Average total loans | $161,017,400 | 2,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 4,619 |
| Cost of funding earning assets | 1.6291% | 2,223 |
| Net interest margin | 3.4131% | 5,625 |
| Noninterest income to average assets | 0.9504% | 1,620 |
| Noninterest expense to average assets | 2.1490% | 6,741 |
| Loan and lease loss provision to assets | 0.1329% | 5,699 |
| Net operating income to assets | 1.2500% | 1,466 |
| Return on assets (ROA) | 1.3385% | 1,334 |
| Pretax return on assets | 1.9707% | 661 |
| Return on Equity (ROE) | 16.3479% | 668 |
| Retained earnings to average equity (ytd only) | 9.5598% | 898 |
| Net charge-offs to loans | 0.4402% | 3,537 |
| Credit loss provision to net charge-offs | 53.8462% | 5,827 |
| Earnings coverage of net charge-offs (x) | 7.9944% | 2,226 |
| Efficiency ratio | 51.9492% | 6,980 |
| Assets per employee ($millions) | 5.9093% | 1,295 |
| Cash dividends to net income (ytd only)* | 41.5225% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 5,970 |
| Loan loss allowance to noncurrent loans | 20.9697% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 3.1020% | 2,332 |
| Noncurrent loans to loans | 5.2103% | 1,306 |
| Net loans and leases to total assets | 54.4924% | 5,778 |
| Net loans and leases to deposits | 62.9263% | 6,029 |
| Net loans and leases to core deposits | 64.5996% | 6,247 |
| Total domestic deposits to total assets | 86.5972% | 2,758 |
| Equity capital to assets | 8.6052% | 6,147 |
| Core capital (leverage) ratio | 8.1001% | 6,200 |
| Tier 1 risk-based capital ratio | 13.6754% | 4,067 |
| Total risk-based capital ratio | 14.7125% | 4,181 |
| Memoranda: | ||
| Average total assets | $287,875,750 | 2,259 |
| Average earning assets | $267,547,500 | 2,236 |
| Average equity | $23,570,250 | 2,742 |
| Average total loans | $161,441,250 | 2,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 4,313 |
| Cost of funding earning assets | 1.7050% | 2,099 |
| Net interest margin | 3.4220% | 5,553 |
| Noninterest income to average assets | 0.9613% | 1,478 |
| Noninterest expense to average assets | 2.1600% | 6,744 |
| Loan and lease loss provision to assets | 0.0334% | 6,619 |
| Net operating income to assets | 1.3196% | 1,260 |
| Return on assets (ROA) | 1.4006% | 1,155 |
| Pretax return on assets | 2.0570% | 541 |
| Return on Equity (ROE) | 17.4038% | 527 |
| Retained earnings to average equity (ytd only) | 10.4838% | 752 |
| Net charge-offs to loans | 0.6096% | 2,703 |
| Credit loss provision to net charge-offs | 9.7166% | 5,940 |
| Earnings coverage of net charge-offs (x) | 5.7328% | 2,606 |
| Efficiency ratio | 52.1651% | 7,048 |
| Assets per employee ($millions) | 5.8966% | 1,301 |
| Cash dividends to net income (ytd only)* | 39.7614% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 6,540 |
| Loan loss allowance to noncurrent loans | 20.4020% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 3.0780% | 2,310 |
| Noncurrent loans to loans | 4.7356% | 1,497 |
| Net loans and leases to total assets | 55.8805% | 5,721 |
| Net loans and leases to deposits | 64.8305% | 5,930 |
| Net loans and leases to core deposits | 66.9941% | 6,156 |
| Total domestic deposits to total assets | 86.1948% | 2,979 |
| Equity capital to assets | 8.5303% | 6,128 |
| Core capital (leverage) ratio | 7.9139% | 6,369 |
| Tier 1 risk-based capital ratio | 13.6315% | 3,984 |
| Total risk-based capital ratio | 14.5731% | 4,146 |
| Memoranda: | ||
| Average total assets | $287,315,000 | 2,282 |
| Average earning assets | $266,161,000 | 2,261 |
| Average equity | $23,121,330 | 2,780 |
| Average total loans | $162,078,330 | 2,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 4,420 |
| Cost of funding earning assets | 1.7588% | 2,083 |
| Net interest margin | 3.3650% | 5,729 |
| Noninterest income to average assets | 0.9756% | 1,377 |
| Noninterest expense to average assets | 2.1682% | 6,760 |
| Loan and lease loss provision to assets | -0.2114% | 7,881 |
| Net operating income to assets | 1.4136% | 1,045 |
| Return on assets (ROA) | 1.4455% | 1,067 |
| Pretax return on assets | 2.1765% | 442 |
| Return on Equity (ROE) | 18.5051% | 477 |
| Retained earnings to average equity (ytd only) | 11.4286% | 845 |
| Net charge-offs to loans | 0.9065% | 1,764 |
| Credit loss provision to net charge-offs | -41.3514% | 5,998 |
| Earnings coverage of net charge-offs (x) | 3.7486% | 2,803 |
| Efficiency ratio | 52.8755% | 7,065 |
| Assets per employee ($millions) | 5.9895% | 1,264 |
| Cash dividends to net income (ytd only)* | 38.2409% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,793 |
| Loan loss allowance to noncurrent loans | 24.4578% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 2.5183% | 2,887 |
| Noncurrent loans to loans | 3.7430% | 2,126 |
| Net loans and leases to total assets | 55.1923% | 5,861 |
| Net loans and leases to deposits | 63.3127% | 6,135 |
| Net loans and leases to core deposits | 65.0614% | 6,368 |
| Total domestic deposits to total assets | 87.1740% | 2,538 |
| Equity capital to assets | 7.9424% | 6,715 |
| Core capital (leverage) ratio | 7.6316% | 6,698 |
| Tier 1 risk-based capital ratio | 13.0857% | 4,270 |
| Total risk-based capital ratio | 13.9773% | 4,504 |
| Memoranda: | ||
| Average total assets | $289,453,500 | 2,315 |
| Average earning assets | $267,461,000 | 2,299 |
| Average equity | $22,610,000 | 2,866 |
| Average total loans | $163,264,500 | 2,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 3,108 |
| Cost of funding earning assets | 2.2798% | 1,729 |
| Net interest margin | 3.4192% | 5,298 |
| Noninterest income to average assets | 1.9259% | 398 |
| Noninterest expense to average assets | 2.3630% | 6,566 |
| Loan and lease loss provision to assets | 1.1768% | 1,957 |
| Net operating income to assets | 1.0800% | 1,570 |
| Return on assets (ROA) | 1.2049% | 1,282 |
| Pretax return on assets | 1.7477% | 701 |
| Return on Equity (ROE) | 15.9416% | 564 |
| Retained earnings to average equity (ytd only) | 15.9416% | 78 |
| Net charge-offs to loans | 1.9709% | 1,249 |
| Credit loss provision to net charge-offs | 100.8826% | 5,469 |
| Earnings coverage of net charge-offs (x) | 2.3520% | 3,967 |
| Efficiency ratio | 46.1890% | 7,704 |
| Assets per employee ($millions) | 6.0711% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,397 |
| Loan loss allowance to noncurrent loans | 34.7910% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 2.4711% | 2,817 |
| Noncurrent loans to loans | 3.4359% | 2,217 |
| Net loans and leases to total assets | 56.4146% | 5,896 |
| Net loans and leases to deposits | 64.9611% | 6,163 |
| Net loans and leases to core deposits | 73.1569% | 6,585 |
| Total domestic deposits to total assets | 86.8437% | 2,586 |
| Equity capital to assets | 7.6819% | 6,874 |
| Core capital (leverage) ratio | 7.3989% | 6,887 |
| Tier 1 risk-based capital ratio | 12.1795% | 4,789 |
| Total risk-based capital ratio | 13.3333% | 4,834 |
| Memoranda: | ||
| Average total assets | $252,560,000 | 2,582 |
| Average earning assets | $234,936,600 | 2,556 |
| Average equity | $19,088,400 | 3,332 |
| Average total loans | $149,472,400 | 2,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 2,933 |
| Cost of funding earning assets | 2.3962% | 1,648 |
| Net interest margin | 3.3946% | 5,291 |
| Noninterest income to average assets | 1.5999% | 579 |
| Noninterest expense to average assets | 2.4695% | 6,176 |
| Loan and lease loss provision to assets | 0.6358% | 2,849 |
| Net operating income to assets | 1.1361% | 1,617 |
| Return on assets (ROA) | 1.3067% | 1,277 |
| Pretax return on assets | 1.9189% | 635 |
| Return on Equity (ROE) | 17.3743% | 509 |
| Retained earnings to average equity (ytd only) | 17.3743% | 97 |
| Net charge-offs to loans | 1.1236% | 1,788 |
| Credit loss provision to net charge-offs | 94.6078% | 5,352 |
| Earnings coverage of net charge-offs (x) | 3.4281% | 3,536 |
| Efficiency ratio | 51.7368% | 7,432 |
| Assets per employee ($millions) | 5.8878% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,777 |
| Loan loss allowance to noncurrent loans | 30.8556% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 2.6572% | 2,618 |
| Noncurrent loans to loans | 3.5393% | 2,114 |
| Net loans and leases to total assets | 59.5530% | 5,655 |
| Net loans and leases to deposits | 70.3302% | 5,870 |
| Net loans and leases to core deposits | 80.2904% | 6,328 |
| Total domestic deposits to total assets | 84.6763% | 3,391 |
| Equity capital to assets | 7.6589% | 7,186 |
| Core capital (leverage) ratio | 7.3202% | 7,174 |
| Tier 1 risk-based capital ratio | 12.2707% | 4,731 |
| Total risk-based capital ratio | 13.4111% | 4,782 |
| Memoranda: | ||
| Average total assets | $242,847,000 | 2,704 |
| Average earning assets | $227,018,500 | 2,643 |
| Average equity | $18,264,000 | 3,488 |
| Average total loans | $145,243,500 | 3,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 3,391 |
| Cost of funding earning assets | 2.4442% | 1,799 |
| Net interest margin | 3.2861% | 5,604 |
| Noninterest income to average assets | 1.3329% | 865 |
| Noninterest expense to average assets | 2.2791% | 6,823 |
| Loan and lease loss provision to assets | 0.6019% | 2,644 |
| Net operating income to assets | 1.0519% | 1,939 |
| Return on assets (ROA) | 1.2459% | 1,441 |
| Pretax return on assets | 1.8161% | 822 |
| Return on Equity (ROE) | 16.6954% | 615 |
| Retained earnings to average equity (ytd only) | 16.6954% | 143 |
| Net charge-offs to loans | 1.3804% | 1,354 |
| Credit loss provision to net charge-offs | 73.1057% | 5,361 |
| Earnings coverage of net charge-offs (x) | 2.5955% | 3,773 |
| Efficiency ratio | 51.6116% | 7,546 |
| Assets per employee ($millions) | 5.9399% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,197 |
| Loan loss allowance to noncurrent loans | 70.5567% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 3,982 |
| Noncurrent loans to loans | 1.8603% | 3,717 |
| Net loans and leases to total assets | 55.5313% | 6,271 |
| Net loans and leases to deposits | 65.6218% | 6,426 |
| Net loans and leases to core deposits | 76.4246% | 6,646 |
| Total domestic deposits to total assets | 84.6233% | 3,433 |
| Equity capital to assets | 7.6830% | 7,097 |
| Core capital (leverage) ratio | 7.5314% | 6,980 |
| Tier 1 risk-based capital ratio | 11.1492% | 5,732 |
| Total risk-based capital ratio | 12.2756% | 5,778 |
| Memoranda: | ||
| Average total assets | $227,629,000 | 2,887 |
| Average earning assets | $213,563,330 | 2,824 |
| Average equity | $16,986,670 | 3,715 |
| Average total loans | $135,755,330 | 3,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 4,111 |
| Cost of funding earning assets | 2.4814% | 1,987 |
| Net interest margin | 3.1580% | 5,992 |
| Noninterest income to average assets | 1.4485% | 669 |
| Noninterest expense to average assets | 2.2959% | 6,557 |
| Loan and lease loss provision to assets | 0.1064% | 5,605 |
| Net operating income to assets | 1.3574% | 1,243 |
| Return on assets (ROA) | 1.6045% | 854 |
| Pretax return on assets | 2.3722% | 320 |
| Return on Equity (ROE) | 21.8322% | 315 |
| Retained earnings to average equity (ytd only) | 21.8322% | 133 |
| Net charge-offs to loans | 0.6962% | 1,793 |
| Credit loss provision to net charge-offs | 24.8963% | 5,013 |
| Earnings coverage of net charge-offs (x) | 4.9502% | 2,788 |
| Efficiency ratio | 52.0498% | 7,412 |
| Assets per employee ($millions) | 5.5726% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 3,873 |
| Loan loss allowance to noncurrent loans | 69.8276% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 3,526 |
| Noncurrent loans to loans | 1.9148% | 3,388 |
| Net loans and leases to total assets | 57.5540% | 6,013 |
| Net loans and leases to deposits | 67.8876% | 6,197 |
| Net loans and leases to core deposits | 80.3393% | 6,357 |
| Total domestic deposits to total assets | 84.7783% | 3,312 |
| Equity capital to assets | 7.4918% | 7,358 |
| Core capital (leverage) ratio | 7.4911% | 7,168 |
| Tier 1 risk-based capital ratio | 11.1719% | 5,730 |
| Total risk-based capital ratio | 12.3834% | 5,699 |
| Memoranda: | ||
| Average total assets | $225,616,000 | 2,925 |
| Average earning assets | $211,655,000 | 2,861 |
| Average equity | $16,581,000 | 3,818 |
| Average total loans | $138,457,000 | 3,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0976% | 5,058 |
| Cost of funding earning assets | 2.8085% | 2,670 |
| Net interest margin | 3.2891% | 6,079 |
| Noninterest income to average assets | 1.0108% | 1,544 |
| Noninterest expense to average assets | 2.0949% | 7,250 |
| Loan and lease loss provision to assets | 0.3493% | 3,604 |
| Net operating income to assets | 1.1070% | 2,120 |
| Return on assets (ROA) | 1.1008% | 2,059 |
| Pretax return on assets | 1.6266% | 1,322 |
| Return on Equity (ROE) | 14.5426% | 1,001 |
| Retained earnings to average equity (ytd only) | -9.3663% | 7,010 |
| Net charge-offs to loans | 0.4538% | 2,564 |
| Credit loss provision to net charge-offs | 120.8138% | 4,445 |
| Earnings coverage of net charge-offs (x) | 6.8654% | 3,250 |
| Efficiency ratio | 51.3475% | 7,557 |
| Assets per employee ($millions) | 5.7117% | 1,315 |
| Cash dividends to net income (ytd only)* | 164.4061% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,380 |
| Loan loss allowance to noncurrent loans | 42.4249% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 2.2666% | 2,150 |
| Noncurrent loans to loans | 3.2214% | 1,627 |
| Net loans and leases to total assets | 63.5996% | 5,354 |
| Net loans and leases to deposits | 76.5617% | 5,521 |
| Net loans and leases to core deposits | 89.0828% | 5,883 |
| Total domestic deposits to total assets | 83.0698% | 3,737 |
| Equity capital to assets | 7.2029% | 7,624 |
| Core capital (leverage) ratio | 6.9838% | 7,707 |
| Tier 1 risk-based capital ratio | 10.0261% | 6,705 |
| Total risk-based capital ratio | 11.2765% | 6,587 |
| Memoranda: | ||
| Average total assets | $221,017,400 | 2,865 |
| Average earning assets | $206,228,000 | 2,817 |
| Average equity | $16,730,200 | 3,784 |
| Average total loans | $140,822,400 | 3,082 |