Home > Gateway Bank & Trust > Performance and Condition Ratios
Gateway Bank & Trust, Performance and Condition Ratios
| 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 | 2.5641% | 7,110 |
| Cost of funding earning assets | 0.1674% | 7,080 |
| Net interest margin | 2.3967% | 6,960 |
| Noninterest income to average assets | 0.1968% | 6,154 |
| Noninterest expense to average assets | 1.0570% | 7,178 |
| Loan and lease loss provision to assets | 0.6373% | 907 |
| Net operating income to assets | 0.3500% | 5,428 |
| Return on assets (ROA) | 0.4286% | 5,345 |
| Pretax return on assets | 0.7010% | 4,830 |
| Return on Equity (ROE) | 4.7689% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.7689% | 3,434 |
| Net charge-offs to loans | -0.0499% | 6,663 |
| Credit loss provision to net charge-offs | -2,162.1622% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5124% | 6,857 |
| Assets per employee ($millions) | 4.6116% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 6,938 |
| Loan loss allowance to noncurrent loans | 23.6909% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 3.0872% | 1,775 |
| Noncurrent loans to loans | 2.5182% | 2,398 |
| Net loans and leases to total assets | 56.0027% | 4,470 |
| Net loans and leases to deposits | 64.2284% | 4,734 |
| Net loans and leases to core deposits | 66.3847% | 4,954 |
| Total domestic deposits to total assets | 87.1931% | 2,654 |
| Equity capital to assets | 9.6170% | 4,892 |
| Core capital (leverage) ratio | 8.8173% | 5,192 |
| Tier 1 risk-based capital ratio | 14.4034% | 4,177 |
| Total risk-based capital ratio | 14.9600% | 4,631 |
| Memoranda: | ||
| Average total assets | $251,078,670 | 2,539 |
| Average earning assets | $217,463,670 | 2,676 |
| Average equity | $22,562,670 | 2,912 |
| Average total loans | $148,327,670 | 2,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 2,811 |
| Cost of funding earning assets | 0.8164% | 3,337 |
| Net interest margin | 3.9427% | 2,758 |
| Noninterest income to average assets | 0.3665% | 4,938 |
| Noninterest expense to average assets | 2.9924% | 3,276 |
| Loan and lease loss provision to assets | 3.2685% | 59 |
| Net operating income to assets | -2.5767% | 7,199 |
| Return on assets (ROA) | -2.5767% | 7,202 |
| Pretax return on assets | -2.5767% | 7,184 |
| Return on Equity (ROE) | -29.7035% | 7,163 |
| Retained earnings to average equity (ytd only) | -29.7035% | 7,129 |
| Net charge-offs to loans | 4.4637% | 123 |
| Credit loss provision to net charge-offs | 121.1765% | 1,968 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 4,235 |
| Efficiency ratio | 81.2231% | 2,051 |
| Assets per employee ($millions) | 3.9234% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0899% | 347 |
| Loan loss allowance to noncurrent loans | 102.3428% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 4.3334% | 1,245 |
| Noncurrent loans to loans | 3.9963% | 1,534 |
| Net loans and leases to total assets | 56.7076% | 4,254 |
| Net loans and leases to deposits | 63.5883% | 4,692 |
| Net loans and leases to core deposits | 65.0391% | 5,016 |
| Total domestic deposits to total assets | 89.1794% | 1,579 |
| Equity capital to assets | 8.4135% | 6,163 |
| Core capital (leverage) ratio | 8.0513% | 6,210 |
| Tier 1 risk-based capital ratio | 12.7865% | 5,374 |
| Total risk-based capital ratio | 14.0762% | 5,320 |
| Memoranda: | ||
| Average total assets | $252,103,500 | 2,544 |
| Average earning assets | $212,140,500 | 2,744 |
| Average equity | $21,869,500 | 2,991 |
| Average total loans | $152,341,500 | 2,594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 2,717 |
| Cost of funding earning assets | 1.0466% | 3,048 |
| Net interest margin | 3.9925% | 2,922 |
| Noninterest income to average assets | 0.3508% | 4,995 |
| Noninterest expense to average assets | 2.7460% | 4,571 |
| Loan and lease loss provision to assets | 2.6911% | 153 |
| Net operating income to assets | -1.3292% | 6,865 |
| Return on assets (ROA) | -0.9199% | 6,736 |
| Pretax return on assets | -1.0384% | 6,747 |
| Return on Equity (ROE) | -9.9152% | 6,739 |
| Retained earnings to average equity (ytd only) | -9.9152% | 6,703 |
| Net charge-offs to loans | 3.2999% | 251 |
| Credit loss provision to net charge-offs | 123.6169% | 2,546 |
| Earnings coverage of net charge-offs (x) | 0.5479% | 5,418 |
| Efficiency ratio | 69.7181% | 4,019 |
| Assets per employee ($millions) | 3.8940% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6564% | 482 |
| Loan loss allowance to noncurrent loans | 74.1818% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 5.0009% | 1,071 |
| Noncurrent loans to loans | 4.9289% | 1,153 |
| Net loans and leases to total assets | 59.4634% | 4,095 |
| Net loans and leases to deposits | 66.7884% | 4,627 |
| Net loans and leases to core deposits | 68.4848% | 4,974 |
| Total domestic deposits to total assets | 89.0325% | 1,518 |
| Equity capital to assets | 8.9340% | 5,630 |
| Core capital (leverage) ratio | 8.4311% | 5,665 |
| Tier 1 risk-based capital ratio | 13.1083% | 4,985 |
| Total risk-based capital ratio | 14.3923% | 4,937 |
| Memoranda: | ||
| Average total assets | $265,694,200 | 2,372 |
| Average earning assets | $238,771,400 | 2,418 |
| Average equity | $24,649,000 | 2,611 |
| Average total loans | $175,275,800 | 2,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 3,273 |
| Cost of funding earning assets | 1.0763% | 3,135 |
| Net interest margin | 3.8878% | 3,444 |
| Noninterest income to average assets | 0.4359% | 4,393 |
| Noninterest expense to average assets | 2.6107% | 5,035 |
| Loan and lease loss provision to assets | 2.6037% | 162 |
| Net operating income to assets | -0.6636% | 6,737 |
| Return on assets (ROA) | -0.4414% | 6,652 |
| Pretax return on assets | -0.8143% | 6,789 |
| Return on Equity (ROE) | -4.7168% | 6,666 |
| Retained earnings to average equity (ytd only) | -4.7168% | 6,578 |
| Net charge-offs to loans | 3.2585% | 265 |
| Credit loss provision to net charge-offs | 119.3182% | 2,733 |
| Earnings coverage of net charge-offs (x) | 0.6609% | 5,130 |
| Efficiency ratio | 64.4151% | 4,995 |
| Assets per employee ($millions) | 4.2332% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0716% | 819 |
| Loan loss allowance to noncurrent loans | 54.2154% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 4.9237% | 1,177 |
| Noncurrent loans to loans | 5.6655% | 1,023 |
| Net loans and leases to total assets | 61.4828% | 3,856 |
| Net loans and leases to deposits | 69.7408% | 4,339 |
| Net loans and leases to core deposits | 71.4415% | 4,779 |
| Total domestic deposits to total assets | 88.1590% | 1,947 |
| Equity capital to assets | 9.2358% | 5,464 |
| Core capital (leverage) ratio | 8.6756% | 5,449 |
| Tier 1 risk-based capital ratio | 13.5543% | 4,699 |
| Total risk-based capital ratio | 14.8385% | 4,636 |
| Memoranda: | ||
| Average total assets | $268,839,750 | 2,363 |
| Average earning assets | $250,107,750 | 2,318 |
| Average equity | $25,158,000 | 2,556 |
| Average total loans | $180,039,500 | 2,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 3,032 |
| Cost of funding earning assets | 1.1118% | 3,157 |
| Net interest margin | 3.9148% | 3,240 |
| Noninterest income to average assets | 0.4682% | 4,130 |
| Noninterest expense to average assets | 2.5761% | 5,277 |
| Loan and lease loss provision to assets | 1.8178% | 363 |
| Net operating income to assets | -0.2678% | 6,531 |
| Return on assets (ROA) | 0.2256% | 5,767 |
| Pretax return on assets | 0.2382% | 5,841 |
| Return on Equity (ROE) | 2.4000% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.4000% | 4,761 |
| Net charge-offs to loans | 3.5804% | 246 |
| Credit loss provision to net charge-offs | 74.5134% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.6299% | 4,826 |
| Efficiency ratio | 62.6376% | 5,474 |
| Assets per employee ($millions) | 4.1537% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,421 |
| Loan loss allowance to noncurrent loans | 30.1634% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 5.3590% | 1,113 |
| Noncurrent loans to loans | 6.5683% | 837 |
| Net loans and leases to total assets | 64.2815% | 3,402 |
| Net loans and leases to deposits | 73.0558% | 3,947 |
| Net loans and leases to core deposits | 74.9668% | 4,443 |
| Total domestic deposits to total assets | 87.9896% | 2,143 |
| Equity capital to assets | 9.4132% | 4,951 |
| Core capital (leverage) ratio | 9.0295% | 4,673 |
| Tier 1 risk-based capital ratio | 13.6461% | 4,419 |
| Total risk-based capital ratio | 14.9188% | 4,381 |
| Memoranda: | ||
| Average total assets | $269,556,000 | 2,372 |
| Average earning assets | $250,946,000 | 2,320 |
| Average equity | $25,333,670 | 2,524 |
| Average total loans | $183,664,330 | 2,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 2,481 |
| Cost of funding earning assets | 1.1395% | 3,232 |
| Net interest margin | 3.9980% | 2,685 |
| Noninterest income to average assets | 0.3089% | 5,455 |
| Noninterest expense to average assets | 2.7089% | 4,800 |
| Loan and lease loss provision to assets | 0.8911% | 907 |
| Net operating income to assets | 0.3413% | 5,217 |
| Return on assets (ROA) | 0.3683% | 5,170 |
| Pretax return on assets | 0.4634% | 5,142 |
| Return on Equity (ROE) | 3.9220% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.9220% | 3,817 |
| Net charge-offs to loans | 1.2516% | 1,108 |
| Credit loss provision to net charge-offs | 102.5641% | 2,587 |
| Earnings coverage of net charge-offs (x) | 1.5197% | 3,570 |
| Efficiency ratio | 67.2318% | 4,806 |
| Assets per employee ($millions) | 4.1165% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 1,654 |
| Loan loss allowance to noncurrent loans | 55.3989% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 3.9295% | 1,699 |
| Noncurrent loans to loans | 4.2684% | 1,670 |
| Net loans and leases to total assets | 66.2761% | 2,937 |
| Net loans and leases to deposits | 75.1963% | 3,556 |
| Net loans and leases to core deposits | 77.3422% | 4,108 |
| Total domestic deposits to total assets | 88.1375% | 2,298 |
| Equity capital to assets | 9.3835% | 4,602 |
| Core capital (leverage) ratio | 9.1410% | 4,388 |
| Tier 1 risk-based capital ratio | 13.0523% | 4,788 |
| Total risk-based capital ratio | 14.3261% | 4,751 |
| Memoranda: | ||
| Average total assets | $269,338,000 | 2,397 |
| Average earning assets | $250,626,500 | 2,340 |
| Average equity | $25,293,000 | 2,514 |
| Average total loans | $186,965,000 | 2,223 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 2,163 |
| Cost of funding earning assets | 1.5729% | 2,228 |
| Net interest margin | 3.9567% | 3,231 |
| Noninterest income to average assets | 0.3487% | 5,306 |
| Noninterest expense to average assets | 2.7052% | 4,967 |
| Loan and lease loss provision to assets | 0.8162% | 2,007 |
| Net operating income to assets | 0.3853% | 4,615 |
| Return on assets (ROA) | 0.3710% | 4,822 |
| Pretax return on assets | 0.4711% | 4,720 |
| Return on Equity (ROE) | 4.0204% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.0204% | 3,050 |
| Net charge-offs to loans | 1.4628% | 1,511 |
| Credit loss provision to net charge-offs | 77.4375% | 5,650 |
| Earnings coverage of net charge-offs (x) | 1.2386% | 4,862 |
| Efficiency ratio | 67.4498% | 4,678 |
| Assets per employee ($millions) | 4.0453% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2934% | 1,704 |
| Loan loss allowance to noncurrent loans | 62.0503% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.6863% | 1,864 |
| Noncurrent loans to loans | 3.6960% | 2,010 |
| Net loans and leases to total assets | 69.3509% | 2,701 |
| Net loans and leases to deposits | 78.7190% | 3,384 |
| Net loans and leases to core deposits | 81.4558% | 3,982 |
| Total domestic deposits to total assets | 88.0994% | 2,191 |
| Equity capital to assets | 9.3982% | 4,551 |
| Core capital (leverage) ratio | 9.2289% | 4,123 |
| Tier 1 risk-based capital ratio | 12.9414% | 4,642 |
| Total risk-based capital ratio | 14.2045% | 4,606 |
| Memoranda: | ||
| Average total assets | $269,553,400 | 2,362 |
| Average earning assets | $249,474,000 | 2,346 |
| Average equity | $24,873,000 | 2,570 |
| Average total loans | $194,216,200 | 2,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 2,134 |
| Cost of funding earning assets | 1.6138% | 2,315 |
| Net interest margin | 3.9680% | 3,246 |
| Noninterest income to average assets | 0.4170% | 4,817 |
| Noninterest expense to average assets | 2.7106% | 4,834 |
| Loan and lease loss provision to assets | 0.8685% | 1,749 |
| Net operating income to assets | 0.3926% | 4,780 |
| Return on assets (ROA) | 0.3953% | 4,950 |
| Pretax return on assets | 0.5092% | 4,890 |
| Return on Equity (ROE) | 4.3032% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.3032% | 3,470 |
| Net charge-offs to loans | 1.1634% | 1,756 |
| Credit loss provision to net charge-offs | 103.2258% | 4,159 |
| Earnings coverage of net charge-offs (x) | 1.6334% | 4,486 |
| Efficiency ratio | 66.3566% | 4,781 |
| Assets per employee ($millions) | 4.0801% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6373% | 1,157 |
| Loan loss allowance to noncurrent loans | 83.0506% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 3.4101% | 2,083 |
| Noncurrent loans to loans | 3.1755% | 2,506 |
| Net loans and leases to total assets | 69.1223% | 2,955 |
| Net loans and leases to deposits | 78.6677% | 3,695 |
| Net loans and leases to core deposits | 81.6348% | 4,293 |
| Total domestic deposits to total assets | 87.8662% | 2,040 |
| Equity capital to assets | 9.4434% | 4,930 |
| Core capital (leverage) ratio | 9.1269% | 4,485 |
| Tier 1 risk-based capital ratio | 12.7108% | 4,803 |
| Total risk-based capital ratio | 13.9787% | 4,771 |
| Memoranda: | ||
| Average total assets | $270,195,000 | 2,390 |
| Average earning assets | $249,756,750 | 2,375 |
| Average equity | $24,818,250 | 2,611 |
| Average total loans | $195,394,250 | 2,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 2,114 |
| Cost of funding earning assets | 1.6443% | 2,418 |
| Net interest margin | 3.9626% | 3,194 |
| Noninterest income to average assets | 0.4421% | 4,587 |
| Noninterest expense to average assets | 2.7483% | 4,706 |
| Loan and lease loss provision to assets | 0.8577% | 1,696 |
| Net operating income to assets | 0.3900% | 4,795 |
| Return on assets (ROA) | 0.3941% | 4,941 |
| Pretax return on assets | 0.5013% | 4,898 |
| Return on Equity (ROE) | 4.3308% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.3308% | 3,318 |
| Net charge-offs to loans | 1.3079% | 1,453 |
| Credit loss provision to net charge-offs | 90.1321% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.4227% | 4,421 |
| Efficiency ratio | 66.9971% | 4,763 |
| Assets per employee ($millions) | 4.1748% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 1,297 |
| Loan loss allowance to noncurrent loans | 185.0019% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 3,219 |
| Noncurrent loans to loans | 1.3524% | 4,684 |
| Net loans and leases to total assets | 69.7891% | 2,953 |
| Net loans and leases to deposits | 81.1724% | 3,403 |
| Net loans and leases to core deposits | 85.8699% | 3,852 |
| Total domestic deposits to total assets | 85.9763% | 3,108 |
| Equity capital to assets | 9.2128% | 5,125 |
| Core capital (leverage) ratio | 9.0515% | 4,523 |
| Tier 1 risk-based capital ratio | 12.3504% | 4,991 |
| Total risk-based capital ratio | 13.6156% | 4,961 |
| Memoranda: | ||
| Average total assets | $270,497,330 | 2,416 |
| Average earning assets | $249,833,330 | 2,396 |
| Average equity | $24,614,330 | 2,635 |
| Average total loans | $196,799,000 | 2,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 2,342 |
| Cost of funding earning assets | 1.6767% | 2,499 |
| Net interest margin | 3.8790% | 3,413 |
| Noninterest income to average assets | 0.4962% | 4,073 |
| Noninterest expense to average assets | 2.6808% | 4,996 |
| Loan and lease loss provision to assets | 0.8294% | 1,526 |
| Net operating income to assets | 0.4295% | 4,713 |
| Return on assets (ROA) | 0.4295% | 4,847 |
| Pretax return on assets | 0.5599% | 4,752 |
| Return on Equity (ROE) | 4.7499% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.7499% | 3,294 |
| Net charge-offs to loans | 0.9108% | 1,761 |
| Credit loss provision to net charge-offs | 124.1685% | 2,826 |
| Earnings coverage of net charge-offs (x) | 2.0798% | 3,502 |
| Efficiency ratio | 65.8661% | 5,147 |
| Assets per employee ($millions) | 4.2864% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 1,191 |
| Loan loss allowance to noncurrent loans | 76.0030% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 4.1600% | 1,636 |
| Noncurrent loans to loans | 3.4054% | 2,346 |
| Net loans and leases to total assets | 69.9158% | 2,962 |
| Net loans and leases to deposits | 81.0421% | 3,455 |
| Net loans and leases to core deposits | 86.9439% | 3,761 |
| Total domestic deposits to total assets | 86.2709% | 3,000 |
| Equity capital to assets | 8.9724% | 5,320 |
| Core capital (leverage) ratio | 9.0693% | 4,440 |
| Tier 1 risk-based capital ratio | 11.8854% | 5,310 |
| Total risk-based capital ratio | 13.1510% | 5,249 |
| Memoranda: | ||
| Average total assets | $270,065,000 | 2,470 |
| Average earning assets | $248,827,500 | 2,460 |
| Average equity | $24,421,500 | 2,677 |
| Average total loans | $198,078,000 | 2,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1031% | 1,508 |
| Cost of funding earning assets | 2.3208% | 1,577 |
| Net interest margin | 3.7823% | 3,784 |
| Noninterest income to average assets | 0.5707% | 3,851 |
| Noninterest expense to average assets | 2.8412% | 4,783 |
| Loan and lease loss provision to assets | 1.8425% | 1,220 |
| Net operating income to assets | -0.3137% | 5,992 |
| Return on assets (ROA) | -0.2735% | 5,931 |
| Pretax return on assets | -0.5832% | 6,083 |
| Return on Equity (ROE) | -2.9412% | 5,976 |
| Retained earnings to average equity (ytd only) | -2.9412% | 5,690 |
| Net charge-offs to loans | 1.0406% | 2,329 |
| Credit loss provision to net charge-offs | 227.5048% | 1,634 |
| Earnings coverage of net charge-offs (x) | 1.4774% | 4,649 |
| Efficiency ratio | 70.3671% | 4,543 |
| Assets per employee ($millions) | 3.9672% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5028% | 1,223 |
| Loan loss allowance to noncurrent loans | 75.3437% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 4.3525% | 1,497 |
| Noncurrent loans to loans | 3.3218% | 2,299 |
| Net loans and leases to total assets | 73.0899% | 2,483 |
| Net loans and leases to deposits | 84.9003% | 3,104 |
| Net loans and leases to core deposits | 104.4181% | 3,522 |
| Total domestic deposits to total assets | 86.0892% | 2,973 |
| Equity capital to assets | 9.1155% | 4,965 |
| Core capital (leverage) ratio | 9.1664% | 4,169 |
| Tier 1 risk-based capital ratio | 11.5397% | 5,359 |
| Total risk-based capital ratio | 12.8039% | 5,303 |
| Memoranda: | ||
| Average total assets | $256,336,800 | 2,552 |
| Average earning assets | $234,961,000 | 2,554 |
| Average equity | $23,834,000 | 2,749 |
| Average total loans | $199,497,800 | 2,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2571% | 1,218 |
| Cost of funding earning assets | 2.4283% | 1,528 |
| Net interest margin | 3.8288% | 3,531 |
| Noninterest income to average assets | 0.6935% | 3,063 |
| Noninterest expense to average assets | 2.8606% | 4,614 |
| Loan and lease loss provision to assets | 0.8940% | 2,154 |
| Net operating income to assets | 0.3483% | 4,605 |
| Return on assets (ROA) | 0.4142% | 4,441 |
| Pretax return on assets | 0.5297% | 4,423 |
| Return on Equity (ROE) | 4.4321% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.4321% | 2,796 |
| Net charge-offs to loans | 0.7316% | 2,532 |
| Credit loss provision to net charge-offs | 155.5251% | 3,070 |
| Earnings coverage of net charge-offs (x) | 2.3297% | 4,077 |
| Efficiency ratio | 68.1125% | 4,951 |
| Assets per employee ($millions) | 3.8136% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 3,598 |
| Loan loss allowance to noncurrent loans | 77.8247% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 3.0629% | 2,246 |
| Noncurrent loans to loans | 1.8882% | 3,787 |
| Net loans and leases to total assets | 77.3629% | 1,707 |
| Net loans and leases to deposits | 90.7517% | 2,440 |
| Net loans and leases to core deposits | 116.6002% | 2,564 |
| Total domestic deposits to total assets | 85.2468% | 3,099 |
| Equity capital to assets | 10.1115% | 3,948 |
| Core capital (leverage) ratio | 9.9177% | 3,380 |
| Tier 1 risk-based capital ratio | 12.3125% | 4,693 |
| Total risk-based capital ratio | 13.5646% | 4,636 |
| Memoranda: | ||
| Average total assets | $253,971,000 | 2,583 |
| Average earning assets | $232,582,250 | 2,591 |
| Average equity | $23,735,250 | 2,785 |
| Average total loans | $199,557,250 | 2,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2580% | 1,313 |
| Cost of funding earning assets | 2.5467% | 1,460 |
| Net interest margin | 3.7113% | 3,903 |
| Noninterest income to average assets | 0.7662% | 2,612 |
| Noninterest expense to average assets | 2.8502% | 4,736 |
| Loan and lease loss provision to assets | 0.8309% | 2,021 |
| Net operating income to assets | 0.3630% | 4,645 |
| Return on assets (ROA) | 0.4387% | 4,449 |
| Pretax return on assets | 0.5642% | 4,428 |
| Return on Equity (ROE) | 4.8274% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.8274% | 2,613 |
| Net charge-offs to loans | 0.7339% | 2,215 |
| Credit loss provision to net charge-offs | 144.0492% | 3,215 |
| Earnings coverage of net charge-offs (x) | 2.2503% | 3,945 |
| Efficiency ratio | 68.7084% | 5,030 |
| Assets per employee ($millions) | 3.8443% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,184 |
| Loan loss allowance to noncurrent loans | 65.5020% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 3.0975% | 2,028 |
| Noncurrent loans to loans | 2.0100% | 3,503 |
| Net loans and leases to total assets | 78.6420% | 1,605 |
| Net loans and leases to deposits | 91.9850% | 2,471 |
| Net loans and leases to core deposits | 127.5079% | 1,740 |
| Total domestic deposits to total assets | 85.4944% | 3,015 |
| Equity capital to assets | 9.9302% | 4,048 |
| Core capital (leverage) ratio | 9.7673% | 3,556 |
| Tier 1 risk-based capital ratio | 11.9799% | 4,938 |
| Total risk-based capital ratio | 13.2139% | 4,868 |
| Memoranda: | ||
| Average total assets | $253,458,000 | 2,598 |
| Average earning assets | $230,967,670 | 2,622 |
| Average equity | $23,035,000 | 2,856 |
| Average total loans | $199,203,670 | 2,363 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 1,630 |
| Cost of funding earning assets | 2.5626% | 1,687 |
| Net interest margin | 3.6281% | 4,195 |
| Noninterest income to average assets | 0.7105% | 2,820 |
| Noninterest expense to average assets | 2.7238% | 4,901 |
| Loan and lease loss provision to assets | 0.8100% | 1,593 |
| Net operating income to assets | 0.3829% | 4,932 |
| Return on assets (ROA) | 0.4121% | 4,990 |
| Pretax return on assets | 0.5321% | 4,969 |
| Return on Equity (ROE) | 4.7552% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,261 |
| Net charge-offs to loans | 0.8760% | 1,492 |
| Credit loss provision to net charge-offs | 118.4758% | 3,304 |
| Earnings coverage of net charge-offs (x) | 1.9076% | 3,763 |
| Efficiency ratio | 67.6205% | 5,039 |
| Assets per employee ($millions) | 3.4876% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,601 |
| Loan loss allowance to noncurrent loans | 72.3468% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 2,098 |
| Noncurrent loans to loans | 1.6972% | 3,710 |
| Net loans and leases to total assets | 77.5230% | 1,929 |
| Net loans and leases to deposits | 90.0806% | 2,918 |
| Net loans and leases to core deposits | 137.6065% | 1,219 |
| Total domestic deposits to total assets | 86.0597% | 2,677 |
| Equity capital to assets | 8.8262% | 5,578 |
| Core capital (leverage) ratio | 8.6038% | 5,333 |
| Tier 1 risk-based capital ratio | 10.5195% | 6,377 |
| Total risk-based capital ratio | 11.6907% | 6,365 |
| Memoranda: | ||
| Average total assets | $253,326,000 | 2,608 |
| Average earning assets | $231,639,500 | 2,625 |
| Average equity | $21,955,000 | 2,980 |
| Average total loans | $197,708,500 | 2,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9669% | 1,215 |
| Cost of funding earning assets | 3.0980% | 1,512 |
| Net interest margin | 3.8689% | 3,712 |
| Noninterest income to average assets | 0.7164% | 3,014 |
| Noninterest expense to average assets | 2.7736% | 4,938 |
| Loan and lease loss provision to assets | 1.1679% | 1,242 |
| Net operating income to assets | 0.4425% | 4,984 |
| Return on assets (ROA) | 0.0905% | 5,976 |
| Pretax return on assets | 0.0027% | 6,149 |
| Return on Equity (ROE) | 1.0540% | 5,901 |
| Retained earnings to average equity (ytd only) | -0.7711% | 5,533 |
| Net charge-offs to loans | 1.4741% | 785 |
| Credit loss provision to net charge-offs | 101.3950% | 5,242 |
| Earnings coverage of net charge-offs (x) | 1.3219% | 5,465 |
| Efficiency ratio | 64.5594% | 5,433 |
| Assets per employee ($millions) | 3.4533% | 4,791 |
| Cash dividends to net income (ytd only)* | 173.1602% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,703 |
| Loan loss allowance to noncurrent loans | 85.6881% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 2,154 |
| Noncurrent loans to loans | 1.3775% | 3,764 |
| Net loans and leases to total assets | 76.6950% | 2,451 |
| Net loans and leases to deposits | 89.8003% | 3,485 |
| Net loans and leases to core deposits | 137.9198% | 1,377 |
| Total domestic deposits to total assets | 85.4061% | 2,664 |
| Equity capital to assets | 8.5100% | 6,067 |
| Core capital (leverage) ratio | 8.3306% | 5,891 |
| Tier 1 risk-based capital ratio | 9.9106% | 6,834 |
| Total risk-based capital ratio | 10.9911% | 6,937 |
| Memoranda: | ||
| Average total assets | $255,153,600 | 2,507 |
| Average earning assets | $236,089,000 | 2,491 |
| Average equity | $21,916,400 | 2,985 |
| Average total loans | $199,372,400 | 2,307 |