Home > Gateway Bank > Performance and Condition Ratios
Gateway Bank, Performance and Condition Ratios
| 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 | 1.4983% | 7,026 |
| Cost of funding earning assets | 0.1079% | 6,986 |
| Net interest margin | 1.3904% | 7,006 |
| Noninterest income to average assets | 0.0086% | 6,800 |
| Noninterest expense to average assets | 1.2730% | 6,967 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0330% | 6,114 |
| Return on assets (ROA) | 0.0330% | 6,257 |
| Pretax return on assets | 0.0432% | 6,227 |
| Return on Equity (ROE) | 0.2437% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.2437% | 5,730 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8471% | 808 |
| Assets per employee ($millions) | 7.5054% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 5,280 |
| Noncurrent loans to loans | 0.6347% | 4,933 |
| Net loans and leases to total assets | 75.0750% | 1,034 |
| Net loans and leases to deposits | 92.5426% | 870 |
| Net loans and leases to core deposits | 145.3352% | 117 |
| Total domestic deposits to total assets | 81.1248% | 5,368 |
| Equity capital to assets | 15.8036% | 589 |
| Core capital (leverage) ratio | 12.2726% | 1,414 |
| Tier 1 risk-based capital ratio | 16.1102% | 3,101 |
| Total risk-based capital ratio | 16.1102% | 3,751 |
| Memoranda: | ||
| Average total assets | $127,182,800 | 4,206 |
| Average earning assets | $119,604,200 | 4,116 |
| Average equity | $17,233,000 | 3,582 |
| Average total loans | $99,788,200 | 3,528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7307% | 7,160 |
| Cost of funding earning assets | 0.0498% | 7,149 |
| Net interest margin | 0.6809% | 7,156 |
| Noninterest income to average assets | -0.0021% | 6,953 |
| Noninterest expense to average assets | 0.5330% | 7,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0829% | 6,152 |
| Return on assets (ROA) | 0.0829% | 6,293 |
| Pretax return on assets | 0.1102% | 6,257 |
| Return on Equity (ROE) | 0.6384% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.6384% | 5,904 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2610% | 2,058 |
| Assets per employee ($millions) | 8.1328% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 5,566 |
| Noncurrent loans to loans | 0.6126% | 5,211 |
| Net loans and leases to total assets | 71.7897% | 1,591 |
| Net loans and leases to deposits | 92.2239% | 953 |
| Net loans and leases to core deposits | 148.5297% | 116 |
| Total domestic deposits to total assets | 77.8429% | 6,106 |
| Equity capital to assets | 14.6075% | 937 |
| Core capital (leverage) ratio | 12.4148% | 1,443 |
| Tier 1 risk-based capital ratio | 15.2369% | 3,684 |
| Total risk-based capital ratio | 15.2369% | 4,483 |
| Memoranda: | ||
| Average total assets | $127,080,750 | 4,251 |
| Average earning assets | $120,425,000 | 4,142 |
| Average equity | $16,500,250 | 3,737 |
| Average total loans | $100,788,000 | 3,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 5,561 |
| Cost of funding earning assets | 0.6260% | 4,667 |
| Net interest margin | 3.4024% | 5,078 |
| Noninterest income to average assets | 0.0227% | 6,938 |
| Noninterest expense to average assets | 3.2864% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0032% | 6,320 |
| Return on assets (ROA) | 0.0000% | 6,454 |
| Pretax return on assets | 0.0000% | 6,445 |
| Return on Equity (ROE) | 0.0000% | 6,455 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0988% | 555 |
| Assets per employee ($millions) | 6.6157% | 899 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.1341% | 605 |
| Net loans and leases to deposits | 97.7333% | 544 |
| Net loans and leases to core deposits | 163.7043% | 81 |
| Total domestic deposits to total assets | 80.9695% | 5,478 |
| Equity capital to assets | 12.1299% | 2,046 |
| Core capital (leverage) ratio | 12.2169% | 1,491 |
| Tier 1 risk-based capital ratio | 14.5428% | 4,071 |
| Total risk-based capital ratio | 15.7945% | 4,034 |
| Memoranda: | ||
| Average total assets | $123,355,000 | 4,344 |
| Average earning assets | $118,209,000 | 4,214 |
| Average equity | $15,268,330 | 3,929 |
| Average total loans | $101,299,000 | 3,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 5,455 |
| Cost of funding earning assets | 0.6618% | 4,620 |
| Net interest margin | 3.4387% | 4,964 |
| Noninterest income to average assets | 0.0426% | 6,963 |
| Noninterest expense to average assets | 2.7696% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5729% | 4,479 |
| Return on assets (ROA) | 0.5762% | 4,687 |
| Pretax return on assets | 0.5762% | 5,199 |
| Return on Equity (ROE) | 4.6076% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.6076% | 3,807 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8599% | 1,819 |
| Assets per employee ($millions) | 6.5319% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 80.6095% | 357 |
| Net loans and leases to deposits | 99.4987% | 389 |
| Net loans and leases to core deposits | 162.2189% | 83 |
| Total domestic deposits to total assets | 81.0156% | 5,603 |
| Equity capital to assets | 12.3949% | 1,793 |
| Core capital (leverage) ratio | 12.6866% | 1,254 |
| Tier 1 risk-based capital ratio | 14.2905% | 4,247 |
| Total risk-based capital ratio | 15.4534% | 4,291 |
| Memoranda: | ||
| Average total assets | $122,183,500 | 4,405 |
| Average earning assets | $117,252,500 | 4,263 |
| Average equity | $15,279,000 | 3,940 |
| Average total loans | $101,488,500 | 3,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 5,750 |
| Cost of funding earning assets | 0.8175% | 4,727 |
| Net interest margin | 3.4880% | 5,192 |
| Noninterest income to average assets | 0.0523% | 6,823 |
| Noninterest expense to average assets | 2.8556% | 4,145 |
| Loan and lease loss provision to assets | 0.0523% | 5,934 |
| Net operating income to assets | 0.5085% | 4,378 |
| Return on assets (ROA) | 0.5160% | 4,565 |
| Pretax return on assets | 0.5160% | 4,942 |
| Return on Equity (ROE) | 4.2239% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.2239% | 3,181 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5846% | 1,815 |
| Assets per employee ($millions) | 6.0130% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 83.1823% | 265 |
| Net loans and leases to deposits | 103.2545% | 330 |
| Net loans and leases to core deposits | 168.0046% | 97 |
| Total domestic deposits to total assets | 80.5605% | 5,576 |
| Equity capital to assets | 12.6185% | 1,731 |
| Core capital (leverage) ratio | 12.7295% | 1,251 |
| Tier 1 risk-based capital ratio | 14.1467% | 4,223 |
| Total risk-based capital ratio | 15.3979% | 4,172 |
| Memoranda: | ||
| Average total assets | $120,359,400 | 4,391 |
| Average earning assets | $116,083,000 | 4,236 |
| Average equity | $14,702,200 | 3,968 |
| Average total loans | $98,909,800 | 3,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 5,936 |
| Cost of funding earning assets | 0.8447% | 4,808 |
| Net interest margin | 3.4601% | 5,358 |
| Noninterest income to average assets | 0.0532% | 6,946 |
| Noninterest expense to average assets | 2.8741% | 4,040 |
| Loan and lease loss provision to assets | 0.0698% | 5,581 |
| Net operating income to assets | 0.4574% | 4,736 |
| Return on assets (ROA) | 0.4607% | 4,913 |
| Pretax return on assets | 0.4607% | 5,286 |
| Return on Equity (ROE) | 3.8031% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.8031% | 4,026 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5002% | 1,689 |
| Assets per employee ($millions) | 5.8189% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 84.1103% | 215 |
| Net loans and leases to deposits | 98.6167% | 542 |
| Net loans and leases to core deposits | 158.3643% | 115 |
| Total domestic deposits to total assets | 85.2900% | 3,622 |
| Equity capital to assets | 12.8384% | 1,695 |
| Core capital (leverage) ratio | 12.2557% | 1,558 |
| Tier 1 risk-based capital ratio | 14.2742% | 4,143 |
| Total risk-based capital ratio | 15.5255% | 4,104 |
| Memoranda: | ||
| Average total assets | $120,384,250 | 4,416 |
| Average earning assets | $116,487,750 | 4,238 |
| Average equity | $14,584,000 | 4,008 |
| Average total loans | $98,266,000 | 3,691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 6,128 |
| Cost of funding earning assets | 0.8563% | 5,012 |
| Net interest margin | 3.4064% | 5,533 |
| Noninterest income to average assets | 0.0608% | 7,003 |
| Noninterest expense to average assets | 2.9100% | 3,986 |
| Loan and lease loss provision to assets | 0.0789% | 5,326 |
| Net operating income to assets | 0.3730% | 5,070 |
| Return on assets (ROA) | 0.3779% | 5,184 |
| Pretax return on assets | 0.3779% | 5,461 |
| Return on Equity (ROE) | 3.1801% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.1801% | 4,247 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5591% | 1,545 |
| Assets per employee ($millions) | 6.0658% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 4,225 |
| Loan loss allowance to noncurrent loans | 5,314.8148% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 7,051 |
| Noncurrent loans to loans | 0.0278% | 6,919 |
| Net loans and leases to total assets | 78.7703% | 673 |
| Net loans and leases to deposits | 90.9464% | 1,166 |
| Net loans and leases to core deposits | 148.4350% | 152 |
| Total domestic deposits to total assets | 86.6118% | 2,980 |
| Equity capital to assets | 12.0924% | 2,034 |
| Core capital (leverage) ratio | 12.1321% | 1,537 |
| Tier 1 risk-based capital ratio | 14.3682% | 3,888 |
| Total risk-based capital ratio | 15.6206% | 3,855 |
| Memoranda: | ||
| Average total assets | $121,720,000 | 4,399 |
| Average earning assets | $117,954,670 | 4,234 |
| Average equity | $14,465,000 | 4,020 |
| Average total loans | $97,909,670 | 3,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 5,955 |
| Cost of funding earning assets | 0.8930% | 4,973 |
| Net interest margin | 3.4266% | 5,318 |
| Noninterest income to average assets | 0.0591% | 7,102 |
| Noninterest expense to average assets | 2.8904% | 4,100 |
| Loan and lease loss provision to assets | 0.1083% | 4,658 |
| Net operating income to assets | 0.3839% | 5,017 |
| Return on assets (ROA) | 0.3937% | 5,071 |
| Pretax return on assets | 0.3937% | 5,362 |
| Return on Equity (ROE) | 3.3420% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.3420% | 4,175 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4510% | 1,781 |
| Assets per employee ($millions) | 6.0688% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 4,376 |
| Loan loss allowance to noncurrent loans | 5,259.2593% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 7,120 |
| Noncurrent loans to loans | 0.0278% | 6,991 |
| Net loans and leases to total assets | 78.7783% | 644 |
| Net loans and leases to deposits | 91.3554% | 1,077 |
| Net loans and leases to core deposits | 147.1884% | 163 |
| Total domestic deposits to total assets | 86.2329% | 3,378 |
| Equity capital to assets | 11.8854% | 1,987 |
| Core capital (leverage) ratio | 11.8379% | 1,656 |
| Tier 1 risk-based capital ratio | 14.1293% | 3,983 |
| Total risk-based capital ratio | 15.3809% | 3,954 |
| Memoranda: | ||
| Average total assets | $121,922,000 | 4,421 |
| Average earning assets | $118,252,000 | 4,253 |
| Average equity | $14,362,500 | 4,034 |
| Average total loans | $98,366,500 | 3,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 6,129 |
| Cost of funding earning assets | 1.2921% | 3,931 |
| Net interest margin | 3.3026% | 5,967 |
| Noninterest income to average assets | 0.0642% | 7,047 |
| Noninterest expense to average assets | 2.7196% | 4,904 |
| Loan and lease loss provision to assets | 0.1803% | 5,414 |
| Net operating income to assets | 0.3565% | 4,718 |
| Return on assets (ROA) | 0.3638% | 4,852 |
| Pretax return on assets | 0.3638% | 5,047 |
| Return on Equity (ROE) | 3.1977% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.1977% | 3,627 |
| Net charge-offs to loans | 0.0141% | 6,687 |
| Credit loss provision to net charge-offs | 1,585.7143% | 147 |
| Earnings coverage of net charge-offs (x) | 47.2143% | 489 |
| Efficiency ratio | 83.5162% | 1,980 |
| Assets per employee ($millions) | 6.1234% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 80.2724% | 632 |
| Net loans and leases to deposits | 94.1116% | 1,056 |
| Net loans and leases to core deposits | 151.4248% | 174 |
| Total domestic deposits to total assets | 85.2949% | 3,717 |
| Equity capital to assets | 11.6757% | 2,145 |
| Core capital (leverage) ratio | 11.3821% | 1,902 |
| Tier 1 risk-based capital ratio | 13.7177% | 4,048 |
| Total risk-based capital ratio | 14.9684% | 4,025 |
| Memoranda: | ||
| Average total assets | $123,141,000 | 4,421 |
| Average earning assets | $119,027,800 | 4,253 |
| Average equity | $14,010,200 | 4,142 |
| Average total loans | $99,611,600 | 3,806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 6,257 |
| Cost of funding earning assets | 1.3289% | 4,042 |
| Net interest margin | 3.3009% | 6,013 |
| Noninterest income to average assets | 0.0627% | 7,213 |
| Noninterest expense to average assets | 2.7367% | 4,735 |
| Loan and lease loss provision to assets | 0.1849% | 5,193 |
| Net operating income to assets | 0.3265% | 5,060 |
| Return on assets (ROA) | 0.3298% | 5,220 |
| Pretax return on assets | 0.3298% | 5,427 |
| Return on Equity (ROE) | 2.9176% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.9176% | 4,382 |
| Net charge-offs to loans | 0.0187% | 6,410 |
| Credit loss provision to net charge-offs | 1,221.4286% | 245 |
| Earnings coverage of net charge-offs (x) | 33.7788% | 794 |
| Efficiency ratio | 84.2543% | 1,806 |
| Assets per employee ($millions) | 6.2340% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.1107% | 609 |
| Net loans and leases to deposits | 94.7104% | 1,124 |
| Net loans and leases to core deposits | 150.9058% | 189 |
| Total domestic deposits to total assets | 85.6407% | 3,273 |
| Equity capital to assets | 11.3900% | 2,612 |
| Core capital (leverage) ratio | 10.9715% | 2,281 |
| Tier 1 risk-based capital ratio | 13.2321% | 4,398 |
| Total risk-based capital ratio | 14.4822% | 4,374 |
| Memoranda: | ||
| Average total assets | $123,309,250 | 4,471 |
| Average earning assets | $118,994,000 | 4,309 |
| Average equity | $13,938,000 | 4,218 |
| Average total loans | $99,590,750 | 3,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 6,417 |
| Cost of funding earning assets | 1.3303% | 4,332 |
| Net interest margin | 3.2844% | 6,067 |
| Noninterest income to average assets | 0.0619% | 7,274 |
| Noninterest expense to average assets | 2.7724% | 4,608 |
| Loan and lease loss provision to assets | 0.1856% | 5,017 |
| Net operating income to assets | 0.2670% | 5,305 |
| Return on assets (ROA) | 0.2670% | 5,457 |
| Pretax return on assets | 0.2670% | 5,608 |
| Return on Equity (ROE) | 2.3682% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.3682% | 4,652 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9667% | 1,709 |
| Assets per employee ($millions) | 6.7830% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 76.4613% | 1,401 |
| Net loans and leases to deposits | 88.7597% | 2,042 |
| Net loans and leases to core deposits | 142.7055% | 258 |
| Total domestic deposits to total assets | 86.1442% | 3,007 |
| Equity capital to assets | 10.8949% | 2,972 |
| Core capital (leverage) ratio | 11.0931% | 2,173 |
| Tier 1 risk-based capital ratio | 13.2649% | 4,234 |
| Total risk-based capital ratio | 14.4944% | 4,212 |
| Memoranda: | ||
| Average total assets | $122,852,670 | 4,505 |
| Average earning assets | $118,315,330 | 4,359 |
| Average equity | $13,850,330 | 4,232 |
| Average total loans | $98,633,000 | 3,940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 6,319 |
| Cost of funding earning assets | 1.2821% | 4,916 |
| Net interest margin | 3.3959% | 5,598 |
| Noninterest income to average assets | 0.0601% | 7,416 |
| Noninterest expense to average assets | 2.8605% | 4,224 |
| Loan and lease loss provision to assets | 0.1903% | 4,597 |
| Net operating income to assets | 0.2804% | 5,369 |
| Return on assets (ROA) | 0.2804% | 5,504 |
| Pretax return on assets | 0.2804% | 5,662 |
| Return on Equity (ROE) | 2.4427% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.4427% | 4,672 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8717% | 1,809 |
| Assets per employee ($millions) | 7.1821% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.4301% | 922 |
| Net loans and leases to deposits | 92.0892% | 1,599 |
| Net loans and leases to core deposits | 152.7885% | 228 |
| Total domestic deposits to total assets | 86.2534% | 3,004 |
| Equity capital to assets | 11.3345% | 2,475 |
| Core capital (leverage) ratio | 11.9190% | 1,682 |
| Tier 1 risk-based capital ratio | 13.5763% | 3,944 |
| Total risk-based capital ratio | 14.7903% | 3,922 |
| Memoranda: | ||
| Average total assets | $119,840,500 | 4,632 |
| Average earning assets | $115,433,500 | 4,485 |
| Average equity | $13,755,000 | 4,299 |
| Average total loans | $98,032,500 | 4,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 7,007 |
| Cost of funding earning assets | 1.4990% | 5,519 |
| Net interest margin | 3.2707% | 5,855 |
| Noninterest income to average assets | 0.0809% | 7,351 |
| Noninterest expense to average assets | 3.0738% | 3,857 |
| Loan and lease loss provision to assets | 0.1429% | 6,213 |
| Net operating income to assets | 0.0243% | 5,415 |
| Return on assets (ROA) | 0.0198% | 5,473 |
| Pretax return on assets | 0.0198% | 5,388 |
| Return on Equity (ROE) | 0.1631% | 5,484 |
| Retained earnings to average equity (ytd only) | 0.1631% | 4,812 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8405% | 1,361 |
| Assets per employee ($millions) | 6.1887% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 5,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.2120% | 655 |
| Net loans and leases to deposits | 97.6129% | 1,147 |
| Net loans and leases to core deposits | 204.6381% | 92 |
| Total domestic deposits to total assets | 84.2225% | 3,934 |
| Equity capital to assets | 11.6265% | 2,228 |
| Core capital (leverage) ratio | 11.7585% | 1,777 |
| Tier 1 risk-based capital ratio | 13.6429% | 3,725 |
| Total risk-based capital ratio | 14.8182% | 3,724 |
| Memoranda: | ||
| Average total assets | $111,229,800 | 4,789 |
| Average earning assets | $107,469,400 | 4,645 |
| Average equity | $13,492,000 | 4,388 |
| Average total loans | $90,243,200 | 4,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 7,157 |
| Cost of funding earning assets | 1.5454% | 5,656 |
| Net interest margin | 3.2316% | 5,911 |
| Noninterest income to average assets | 0.0851% | 7,471 |
| Noninterest expense to average assets | 3.2226% | 3,227 |
| Loan and lease loss provision to assets | 0.1386% | 5,969 |
| Net operating income to assets | -0.1508% | 5,987 |
| Return on assets (ROA) | -0.1569% | 6,008 |
| Pretax return on assets | -0.1569% | 5,916 |
| Return on Equity (ROE) | -1.2791% | 5,983 |
| Retained earnings to average equity (ytd only) | -1.2791% | 5,552 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3788% | 1,045 |
| Assets per employee ($millions) | 6.0755% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.4951% | 1,484 |
| Net loans and leases to deposits | 93.6247% | 1,946 |
| Net loans and leases to core deposits | 181.5177% | 177 |
| Total domestic deposits to total assets | 83.8401% | 3,800 |
| Equity capital to assets | 11.7097% | 2,427 |
| Core capital (leverage) ratio | 12.1359% | 1,742 |
| Tier 1 risk-based capital ratio | 14.2987% | 3,386 |
| Total risk-based capital ratio | 15.5019% | 3,354 |
| Memoranda: | ||
| Average total assets | $109,641,000 | 4,860 |
| Average earning assets | $106,032,500 | 4,708 |
| Average equity | $13,447,250 | 4,428 |
| Average total loans | $88,342,000 | 4,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 7,202 |
| Cost of funding earning assets | 1.6294% | 5,617 |
| Net interest margin | 3.1839% | 5,970 |
| Noninterest income to average assets | 0.0854% | 7,548 |
| Noninterest expense to average assets | 3.4129% | 2,584 |
| Loan and lease loss provision to assets | 0.1560% | 5,510 |
| Net operating income to assets | -0.4066% | 6,454 |
| Return on assets (ROA) | -0.4159% | 6,474 |
| Pretax return on assets | -0.4159% | 6,341 |
| Return on Equity (ROE) | -3.3373% | 6,401 |
| Retained earnings to average equity (ytd only) | -3.3373% | 6,020 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9272% | 914 |
| Assets per employee ($millions) | 5.2631% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 80.3266% | 1,252 |
| Net loans and leases to deposits | 96.2104% | 1,762 |
| Net loans and leases to core deposits | 186.0925% | 176 |
| Total domestic deposits to total assets | 83.4906% | 4,019 |
| Equity capital to assets | 12.0814% | 2,159 |
| Core capital (leverage) ratio | 12.5213% | 1,619 |
| Tier 1 risk-based capital ratio | 14.2797% | 3,363 |
| Total risk-based capital ratio | 15.4628% | 3,331 |
| Memoranda: | ||
| Average total assets | $107,710,000 | 4,949 |
| Average earning assets | $104,086,670 | 4,788 |
| Average equity | $13,424,000 | 4,439 |
| Average total loans | $87,208,000 | 4,352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 7,192 |
| Cost of funding earning assets | 1.7387% | 5,430 |
| Net interest margin | 3.1545% | 5,997 |
| Noninterest income to average assets | 0.0903% | 7,603 |
| Noninterest expense to average assets | 3.4392% | 2,259 |
| Loan and lease loss provision to assets | 0.1580% | 4,906 |
| Net operating income to assets | -0.4553% | 6,832 |
| Return on assets (ROA) | -0.4741% | 6,912 |
| Pretax return on assets | -0.4741% | 6,804 |
| Return on Equity (ROE) | -3.7446% | 6,864 |
| Retained earnings to average equity (ytd only) | -3.7446% | 6,390 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4611% | 822 |
| Assets per employee ($millions) | 4.6387% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.0123% | 1,200 |
| Net loans and leases to deposits | 97.3279% | 1,764 |
| Net loans and leases to core deposits | 175.0344% | 287 |
| Total domestic deposits to total assets | 83.2365% | 4,025 |
| Equity capital to assets | 12.5673% | 1,940 |
| Core capital (leverage) ratio | 12.5625% | 1,664 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,202 |
| Total risk-based capital ratio | 15.8692% | 3,178 |
| Memoranda: | ||
| Average total assets | $106,302,500 | 4,997 |
| Average earning assets | $102,837,000 | 4,836 |
| Average equity | $13,459,500 | 4,462 |
| Average total loans | $85,869,500 | 4,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 6,724 |
| Cost of funding earning assets | 2.3280% | 5,019 |
| Net interest margin | 3.3888% | 5,702 |
| Noninterest income to average assets | 0.0825% | 7,728 |
| Noninterest expense to average assets | 3.5149% | 2,356 |
| Loan and lease loss provision to assets | 0.1303% | 5,700 |
| Net operating income to assets | -0.2986% | 6,733 |
| Return on assets (ROA) | -0.3051% | 6,604 |
| Pretax return on assets | -0.3051% | 6,468 |
| Return on Equity (ROE) | -2.0779% | 6,516 |
| Retained earnings to average equity (ytd only) | -2.0779% | 5,896 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0292% | 835 |
| Assets per employee ($millions) | 4.6050% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 4,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.5772% | 1,987 |
| Net loans and leases to deposits | 95.7346% | 2,483 |
| Net loans and leases to core deposits | 170.0552% | 397 |
| Total domestic deposits to total assets | 82.0781% | 4,168 |
| Equity capital to assets | 12.7565% | 1,888 |
| Core capital (leverage) ratio | 13.3486% | 1,432 |
| Tier 1 risk-based capital ratio | 15.3360% | 2,908 |
| Total risk-based capital ratio | 16.4982% | 2,867 |
| Memoranda: | ||
| Average total assets | $92,093,000 | 5,289 |
| Average earning assets | $88,704,400 | 5,125 |
| Average equity | $13,523,000 | 4,447 |
| Average total loans | $73,576,200 | 4,755 |