Home > Great Lakes Bank > Performance and Condition Ratios
Great Lakes Bank, Performance and Condition Ratios
| 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 | 3.4874% | 5,424 |
| Cost of funding earning assets | 0.1794% | 5,998 |
| Net interest margin | 3.3080% | 4,575 |
| Noninterest income to average assets | 0.5638% | 3,109 |
| Noninterest expense to average assets | 3.0067% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3330% | 5,485 |
| Return on assets (ROA) | 0.7040% | 4,023 |
| Pretax return on assets | 1.1044% | 3,168 |
| Return on Equity (ROE) | 6.8826% | 3,769 |
| Retained earnings to average equity (ytd only) | 0.4993% | 5,668 |
| Net charge-offs to loans | 0.3752% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.3235% | 3,684 |
| Efficiency ratio | 85.1426% | 1,275 |
| Assets per employee ($millions) | 5.0343% | 2,201 |
| Cash dividends to net income (ytd only)* | 92.7460% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1370% | 313 |
| Loan loss allowance to noncurrent loans | 81.3517% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2473% | 1,222 |
| Noncurrent loans to loans | 3.8561% | 574 |
| Net loans and leases to total assets | 41.7025% | 5,701 |
| Net loans and leases to deposits | 49.7010% | 5,669 |
| Net loans and leases to core deposits | 50.0919% | 5,785 |
| Total domestic deposits to total assets | 83.9067% | 3,797 |
| Equity capital to assets | 10.6350% | 3,389 |
| Core capital (leverage) ratio | 10.8313% | 2,664 |
| Tier 1 risk-based capital ratio | 19.0475% | 1,895 |
| Total risk-based capital ratio | 20.3106% | 1,857 |
| Memoranda: | ||
| Average total assets | $571,772,250 | 1,164 |
| Average earning assets | $512,926,500 | 1,199 |
| Average equity | $58,483,750 | 1,256 |
| Average total loans | $240,578,000 | 1,760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 5,610 |
| Cost of funding earning assets | 0.1740% | 6,113 |
| Net interest margin | 3.2342% | 4,830 |
| Noninterest income to average assets | 0.5506% | 3,117 |
| Noninterest expense to average assets | 2.9696% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3693% | 5,333 |
| Return on assets (ROA) | 0.5284% | 4,791 |
| Pretax return on assets | 0.8131% | 4,223 |
| Return on Equity (ROE) | 5.2331% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.3822% | 5,190 |
| Net charge-offs to loans | 0.2735% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.9757% | 3,008 |
| Efficiency ratio | 83.9368% | 1,524 |
| Assets per employee ($millions) | 4.8902% | 2,353 |
| Cash dividends to net income (ytd only)* | 73.5874% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1567% | 320 |
| Loan loss allowance to noncurrent loans | 79.3946% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.2832% | 1,316 |
| Noncurrent loans to loans | 3.9760% | 599 |
| Net loans and leases to total assets | 41.9735% | 5,680 |
| Net loans and leases to deposits | 50.3802% | 5,611 |
| Net loans and leases to core deposits | 50.7746% | 5,749 |
| Total domestic deposits to total assets | 83.3134% | 4,186 |
| Equity capital to assets | 10.4643% | 3,482 |
| Core capital (leverage) ratio | 10.6505% | 2,771 |
| Tier 1 risk-based capital ratio | 17.4070% | 2,459 |
| Total risk-based capital ratio | 18.6689% | 2,415 |
| Memoranda: | ||
| Average total assets | $576,095,000 | 1,149 |
| Average earning assets | $532,129,330 | 1,145 |
| Average equity | $58,168,670 | 1,256 |
| Average total loans | $240,576,670 | 1,755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 5,662 |
| Cost of funding earning assets | 0.1732% | 6,207 |
| Net interest margin | 3.2202% | 4,858 |
| Noninterest income to average assets | 0.5559% | 3,010 |
| Noninterest expense to average assets | 2.7928% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4944% | 4,717 |
| Return on assets (ROA) | 0.5288% | 4,628 |
| Pretax return on assets | 0.7859% | 4,163 |
| Return on Equity (ROE) | 5.3346% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3346% | 2,898 |
| Net charge-offs to loans | 0.2816% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.3675% | 2,228 |
| Efficiency ratio | 79.1765% | 2,312 |
| Assets per employee ($millions) | 4.9628% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4396% | 281 |
| Loan loss allowance to noncurrent loans | 84.8747% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 1,445 |
| Noncurrent loans to loans | 4.0526% | 662 |
| Net loans and leases to total assets | 39.2947% | 5,858 |
| Net loans and leases to deposits | 45.9900% | 5,853 |
| Net loans and leases to core deposits | 46.3418% | 5,969 |
| Total domestic deposits to total assets | 85.4419% | 3,653 |
| Equity capital to assets | 10.1767% | 3,627 |
| Core capital (leverage) ratio | 10.8017% | 2,597 |
| Tier 1 risk-based capital ratio | 18.1421% | 2,232 |
| Total risk-based capital ratio | 19.4057% | 2,200 |
| Memoranda: | ||
| Average total assets | $575,620,000 | 1,157 |
| Average earning assets | $531,151,000 | 1,155 |
| Average equity | $57,061,000 | 1,275 |
| Average total loans | $235,814,500 | 1,785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,793 |
| Cost of funding earning assets | 0.2854% | 5,708 |
| Net interest margin | 3.1376% | 5,202 |
| Noninterest income to average assets | 0.7329% | 2,367 |
| Noninterest expense to average assets | 2.8343% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5745% | 4,383 |
| Return on assets (ROA) | 0.6060% | 4,356 |
| Pretax return on assets | 0.8380% | 4,004 |
| Return on Equity (ROE) | 6.1207% | 4,016 |
| Retained earnings to average equity (ytd only) | 1.8925% | 4,886 |
| Net charge-offs to loans | 0.2079% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.3755% | 2,514 |
| Efficiency ratio | 78.1090% | 2,454 |
| Assets per employee ($millions) | 4.7963% | 2,452 |
| Cash dividends to net income (ytd only)* | 69.0799% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4648% | 300 |
| Loan loss allowance to noncurrent loans | 80.2890% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.4580% | 1,408 |
| Noncurrent loans to loans | 4.3154% | 635 |
| Net loans and leases to total assets | 39.8108% | 5,982 |
| Net loans and leases to deposits | 47.5198% | 5,926 |
| Net loans and leases to core deposits | 47.8905% | 6,039 |
| Total domestic deposits to total assets | 83.7772% | 4,255 |
| Equity capital to assets | 9.6492% | 4,219 |
| Core capital (leverage) ratio | 10.4375% | 2,978 |
| Tier 1 risk-based capital ratio | 17.5777% | 2,383 |
| Total risk-based capital ratio | 18.8412% | 2,356 |
| Memoranda: | ||
| Average total assets | $597,228,000 | 1,116 |
| Average earning assets | $551,181,200 | 1,099 |
| Average equity | $59,127,200 | 1,213 |
| Average total loans | $243,346,400 | 1,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 5,856 |
| Cost of funding earning assets | 0.3084% | 5,661 |
| Net interest margin | 3.1062% | 5,301 |
| Noninterest income to average assets | 0.6100% | 3,080 |
| Noninterest expense to average assets | 2.7210% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5349% | 4,641 |
| Return on assets (ROA) | 0.5759% | 4,580 |
| Pretax return on assets | 0.8142% | 4,243 |
| Return on Equity (ROE) | 5.7819% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.6713% | 3,342 |
| Net charge-offs to loans | 0.2826% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.5877% | 2,943 |
| Efficiency ratio | 78.2479% | 2,385 |
| Assets per employee ($millions) | 4.9870% | 2,181 |
| Cash dividends to net income (ytd only)* | 19.2086% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4554% | 350 |
| Loan loss allowance to noncurrent loans | 70.8700% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.5891% | 1,464 |
| Noncurrent loans to loans | 4.8756% | 633 |
| Net loans and leases to total assets | 39.3190% | 6,085 |
| Net loans and leases to deposits | 47.8893% | 5,966 |
| Net loans and leases to core deposits | 48.2916% | 6,107 |
| Total domestic deposits to total assets | 82.1038% | 4,886 |
| Equity capital to assets | 9.9796% | 3,926 |
| Core capital (leverage) ratio | 10.5471% | 2,956 |
| Tier 1 risk-based capital ratio | 17.8686% | 2,366 |
| Total risk-based capital ratio | 19.1320% | 2,330 |
| Memoranda: | ||
| Average total assets | $602,645,000 | 1,113 |
| Average earning assets | $556,339,250 | 1,103 |
| Average equity | $60,024,750 | 1,209 |
| Average total loans | $244,843,250 | 1,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 5,910 |
| Cost of funding earning assets | 0.3073% | 5,769 |
| Net interest margin | 3.0929% | 5,288 |
| Noninterest income to average assets | 0.5133% | 3,753 |
| Noninterest expense to average assets | 2.6678% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4793% | 4,885 |
| Return on assets (ROA) | 0.5070% | 4,938 |
| Pretax return on assets | 0.7553% | 4,488 |
| Return on Equity (ROE) | 5.0937% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.4442% | 4,128 |
| Net charge-offs to loans | 0.3689% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.7675% | 3,041 |
| Efficiency ratio | 78.8891% | 2,320 |
| Assets per employee ($millions) | 5.1403% | 1,948 |
| Cash dividends to net income (ytd only)* | 32.3834% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4525% | 384 |
| Loan loss allowance to noncurrent loans | 119.8262% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8590% | 2,329 |
| Noncurrent loans to loans | 2.8812% | 1,565 |
| Net loans and leases to total assets | 38.8042% | 6,126 |
| Net loans and leases to deposits | 47.4416% | 6,019 |
| Net loans and leases to core deposits | 47.8332% | 6,139 |
| Total domestic deposits to total assets | 81.7936% | 5,117 |
| Equity capital to assets | 9.7743% | 4,209 |
| Core capital (leverage) ratio | 10.1543% | 3,288 |
| Tier 1 risk-based capital ratio | 17.2648% | 2,606 |
| Total risk-based capital ratio | 18.5280% | 2,571 |
| Memoranda: | ||
| Average total assets | $609,032,670 | 1,101 |
| Average earning assets | $564,842,000 | 1,082 |
| Average equity | $60,623,330 | 1,201 |
| Average total loans | $247,247,670 | 1,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4241% | 5,887 |
| Cost of funding earning assets | 0.3060% | 5,924 |
| Net interest margin | 3.1181% | 5,202 |
| Noninterest income to average assets | 0.6396% | 2,934 |
| Noninterest expense to average assets | 2.7065% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5419% | 4,493 |
| Return on assets (ROA) | 0.5694% | 4,515 |
| Pretax return on assets | 0.8697% | 3,873 |
| Return on Equity (ROE) | 5.6705% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.4339% | 4,808 |
| Net charge-offs to loans | 0.3601% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.6327% | 2,343 |
| Efficiency ratio | 76.5864% | 2,829 |
| Assets per employee ($millions) | 5.2451% | 1,929 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4492% | 439 |
| Loan loss allowance to noncurrent loans | 132.2551% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 2,519 |
| Noncurrent loans to loans | 2.6080% | 1,975 |
| Net loans and leases to total assets | 39.1249% | 6,074 |
| Net loans and leases to deposits | 47.6695% | 5,944 |
| Net loans and leases to core deposits | 48.0301% | 6,094 |
| Total domestic deposits to total assets | 82.0754% | 5,167 |
| Equity capital to assets | 10.1321% | 3,971 |
| Core capital (leverage) ratio | 10.0272% | 3,342 |
| Tier 1 risk-based capital ratio | 16.7737% | 2,873 |
| Total risk-based capital ratio | 18.0371% | 2,833 |
| Memoranda: | ||
| Average total assets | $615,409,500 | 1,101 |
| Average earning assets | $571,240,000 | 1,080 |
| Average equity | $61,794,000 | 1,191 |
| Average total loans | $251,044,000 | 1,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 6,052 |
| Cost of funding earning assets | 0.3965% | 5,943 |
| Net interest margin | 3.3037% | 5,234 |
| Noninterest income to average assets | 0.4985% | 3,916 |
| Noninterest expense to average assets | 3.0882% | 2,964 |
| Loan and lease loss provision to assets | 0.0965% | 4,445 |
| Net operating income to assets | 0.2991% | 5,471 |
| Return on assets (ROA) | 0.3473% | 5,525 |
| Pretax return on assets | 0.4231% | 5,515 |
| Return on Equity (ROE) | 3.5197% | 5,342 |
| Retained earnings to average equity (ytd only) | 0.5866% | 5,559 |
| Net charge-offs to loans | 0.1429% | 4,266 |
| Credit loss provision to net charge-offs | 159.1512% | 1,689 |
| Earnings coverage of net charge-offs (x) | 7.5995% | 2,564 |
| Efficiency ratio | 87.0192% | 1,331 |
| Assets per employee ($millions) | 5.1866% | 2,006 |
| Cash dividends to net income (ytd only)* | 83.3333% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4164% | 463 |
| Loan loss allowance to noncurrent loans | 147.3666% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 2.2386% | 2,193 |
| Noncurrent loans to loans | 2.3183% | 2,328 |
| Net loans and leases to total assets | 39.6547% | 6,192 |
| Net loans and leases to deposits | 49.2171% | 6,013 |
| Net loans and leases to core deposits | 49.5610% | 6,172 |
| Total domestic deposits to total assets | 80.5709% | 5,523 |
| Equity capital to assets | 9.9522% | 4,233 |
| Core capital (leverage) ratio | 9.7492% | 3,725 |
| Tier 1 risk-based capital ratio | 16.1193% | 3,091 |
| Total risk-based capital ratio | 17.3827% | 3,039 |
| Memoranda: | ||
| Average total assets | $621,908,600 | 1,064 |
| Average earning assets | $574,226,600 | 1,052 |
| Average equity | $61,368,400 | 1,161 |
| Average total loans | $263,907,400 | 1,570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 6,100 |
| Cost of funding earning assets | 0.4111% | 6,057 |
| Net interest margin | 3.3532% | 5,203 |
| Noninterest income to average assets | 0.3594% | 4,947 |
| Noninterest expense to average assets | 2.9801% | 3,308 |
| Loan and lease loss provision to assets | 0.1287% | 3,944 |
| Net operating income to assets | 0.2515% | 5,778 |
| Return on assets (ROA) | 0.2955% | 5,830 |
| Pretax return on assets | 0.4078% | 5,699 |
| Return on Equity (ROE) | 3.0009% | 5,681 |
| Retained earnings to average equity (ytd only) | 0.8232% | 5,836 |
| Net charge-offs to loans | 0.1123% | 4,264 |
| Credit loss provision to net charge-offs | 267.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 9.8973% | 2,257 |
| Efficiency ratio | 86.2426% | 1,357 |
| Assets per employee ($millions) | 4.9621% | 2,240 |
| Cash dividends to net income (ytd only)* | 72.5688% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4533% | 483 |
| Loan loss allowance to noncurrent loans | 203.5281% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 2.1560% | 2,484 |
| Noncurrent loans to loans | 1.6967% | 3,243 |
| Net loans and leases to total assets | 40.6950% | 6,226 |
| Net loans and leases to deposits | 51.1961% | 6,028 |
| Net loans and leases to core deposits | 51.6999% | 6,200 |
| Total domestic deposits to total assets | 79.4885% | 5,770 |
| Equity capital to assets | 10.1854% | 4,225 |
| Core capital (leverage) ratio | 9.7943% | 3,825 |
| Tier 1 risk-based capital ratio | 15.9133% | 3,314 |
| Total risk-based capital ratio | 17.1770% | 3,276 |
| Memoranda: | ||
| Average total assets | $621,789,250 | 1,072 |
| Average earning assets | $574,115,750 | 1,055 |
| Average equity | $61,225,250 | 1,176 |
| Average total loans | $266,000,500 | 1,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 6,137 |
| Cost of funding earning assets | 0.4212% | 6,157 |
| Net interest margin | 3.3812% | 5,156 |
| Noninterest income to average assets | 0.2868% | 5,516 |
| Noninterest expense to average assets | 2.9709% | 3,371 |
| Loan and lease loss provision to assets | 0.1918% | 3,173 |
| Net operating income to assets | 0.1894% | 5,946 |
| Return on assets (ROA) | 0.2586% | 5,929 |
| Pretax return on assets | 0.3382% | 5,868 |
| Return on Equity (ROE) | 2.6563% | 5,823 |
| Retained earnings to average equity (ytd only) | 0.0296% | 6,024 |
| Net charge-offs to loans | 0.2811% | 2,916 |
| Credit loss provision to net charge-offs | 158.7302% | 1,753 |
| Earnings coverage of net charge-offs (x) | 3.6323% | 3,319 |
| Efficiency ratio | 87.1273% | 1,327 |
| Assets per employee ($millions) | 4.8713% | 2,330 |
| Cash dividends to net income (ytd only)* | 98.8875% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3449% | 568 |
| Loan loss allowance to noncurrent loans | 145.1929% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1786% | 2,563 |
| Noncurrent loans to loans | 2.3038% | 2,596 |
| Net loans and leases to total assets | 40.4534% | 6,313 |
| Net loans and leases to deposits | 50.8658% | 6,119 |
| Net loans and leases to core deposits | 51.3543% | 6,277 |
| Total domestic deposits to total assets | 79.5296% | 5,854 |
| Equity capital to assets | 9.7973% | 4,632 |
| Core capital (leverage) ratio | 9.6165% | 3,969 |
| Tier 1 risk-based capital ratio | 15.4462% | 3,478 |
| Total risk-based capital ratio | 16.7087% | 3,435 |
| Memoranda: | ||
| Average total assets | $625,607,330 | 1,060 |
| Average earning assets | $577,847,330 | 1,048 |
| Average equity | $60,912,000 | 1,172 |
| Average total loans | $268,914,000 | 1,549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 6,211 |
| Cost of funding earning assets | 0.4290% | 6,266 |
| Net interest margin | 3.3873% | 5,170 |
| Noninterest income to average assets | 0.4781% | 4,081 |
| Noninterest expense to average assets | 2.9771% | 3,343 |
| Loan and lease loss provision to assets | 0.3830% | 1,641 |
| Net operating income to assets | 0.2020% | 5,981 |
| Return on assets (ROA) | 0.2630% | 5,935 |
| Pretax return on assets | 0.3230% | 5,923 |
| Return on Equity (ROE) | 2.7095% | 5,830 |
| Retained earnings to average equity (ytd only) | -1.2364% | 6,184 |
| Net charge-offs to loans | 0.6332% | 1,532 |
| Credit loss provision to net charge-offs | 138.8889% | 1,770 |
| Earnings coverage of net charge-offs (x) | 2.2870% | 3,253 |
| Efficiency ratio | 82.5195% | 1,871 |
| Assets per employee ($millions) | 4.8159% | 2,488 |
| Cash dividends to net income (ytd only)* | 145.6311% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2496% | 649 |
| Loan loss allowance to noncurrent loans | 104.3918% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 2.5938% | 2,281 |
| Noncurrent loans to loans | 3.1129% | 2,057 |
| Net loans and leases to total assets | 41.2592% | 6,249 |
| Net loans and leases to deposits | 51.5349% | 6,025 |
| Net loans and leases to core deposits | 52.0242% | 6,202 |
| Total domestic deposits to total assets | 80.0606% | 5,838 |
| Equity capital to assets | 9.7056% | 4,510 |
| Core capital (leverage) ratio | 9.5612% | 3,970 |
| Tier 1 risk-based capital ratio | 15.0052% | 3,759 |
| Total risk-based capital ratio | 16.2669% | 3,704 |
| Memoranda: | ||
| Average total assets | $626,651,000 | 1,059 |
| Average earning assets | $578,984,500 | 1,046 |
| Average equity | $60,824,000 | 1,168 |
| Average total loans | $272,889,000 | 1,542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 6,316 |
| Cost of funding earning assets | 0.5596% | 6,290 |
| Net interest margin | 3.5118% | 5,097 |
| Noninterest income to average assets | 0.4043% | 4,579 |
| Noninterest expense to average assets | 3.0396% | 3,439 |
| Loan and lease loss provision to assets | 0.8001% | 1,232 |
| Net operating income to assets | -0.1812% | 6,236 |
| Return on assets (ROA) | 0.1594% | 5,846 |
| Pretax return on assets | 0.1541% | 5,881 |
| Return on Equity (ROE) | 1.7030% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.3621% | 5,667 |
| Net charge-offs to loans | 1.7254% | 878 |
| Credit loss provision to net charge-offs | 96.0995% | 3,751 |
| Earnings coverage of net charge-offs (x) | 0.7370% | 5,255 |
| Efficiency ratio | 83.2045% | 1,859 |
| Assets per employee ($millions) | 4.7161% | 2,571 |
| Cash dividends to net income (ytd only)* | 78.7402% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0514% | 778 |
| Loan loss allowance to noncurrent loans | 69.4733% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.5996% | 2,336 |
| Noncurrent loans to loans | 4.3921% | 1,369 |
| Net loans and leases to total assets | 43.0915% | 6,292 |
| Net loans and leases to deposits | 53.8669% | 6,082 |
| Net loans and leases to core deposits | 54.3765% | 6,274 |
| Total domestic deposits to total assets | 79.9962% | 5,746 |
| Equity capital to assets | 9.7068% | 4,583 |
| Core capital (leverage) ratio | 9.2735% | 4,367 |
| Tier 1 risk-based capital ratio | 14.7915% | 3,766 |
| Total risk-based capital ratio | 16.0521% | 3,739 |
| Memoranda: | ||
| Average total assets | $637,428,600 | 1,018 |
| Average earning assets | $589,695,600 | 1,000 |
| Average equity | $59,659,000 | 1,132 |
| Average total loans | $307,574,400 | 1,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 6,406 |
| Cost of funding earning assets | 0.5904% | 6,327 |
| Net interest margin | 3.5136% | 5,130 |
| Noninterest income to average assets | 0.4469% | 4,316 |
| Noninterest expense to average assets | 3.0415% | 3,393 |
| Loan and lease loss provision to assets | 0.6250% | 1,568 |
| Net operating income to assets | 0.0257% | 6,122 |
| Return on assets (ROA) | 0.2515% | 5,709 |
| Pretax return on assets | 0.2956% | 5,713 |
| Return on Equity (ROE) | 2.7114% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.3636% | 5,458 |
| Net charge-offs to loans | 2.0764% | 598 |
| Credit loss provision to net charge-offs | 61.1995% | 4,774 |
| Earnings coverage of net charge-offs (x) | 0.6414% | 5,143 |
| Efficiency ratio | 82.2803% | 1,935 |
| Assets per employee ($millions) | 4.7769% | 2,510 |
| Cash dividends to net income (ytd only)* | 49.7101% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 1,638 |
| Loan loss allowance to noncurrent loans | 46.8243% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8176% | 2,304 |
| Noncurrent loans to loans | 4.9798% | 1,250 |
| Net loans and leases to total assets | 44.2456% | 6,315 |
| Net loans and leases to deposits | 55.4064% | 6,083 |
| Net loans and leases to core deposits | 55.9156% | 6,326 |
| Total domestic deposits to total assets | 79.8565% | 5,776 |
| Equity capital to assets | 9.6212% | 4,903 |
| Core capital (leverage) ratio | 9.4077% | 4,293 |
| Tier 1 risk-based capital ratio | 14.4957% | 3,983 |
| Total risk-based capital ratio | 15.7505% | 3,952 |
| Memoranda: | ||
| Average total assets | $639,975,750 | 1,019 |
| Average earning assets | $591,898,000 | 1,004 |
| Average equity | $59,352,500 | 1,140 |
| Average total loans | $314,769,500 | 1,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 6,350 |
| Cost of funding earning assets | 0.6174% | 6,372 |
| Net interest margin | 3.5500% | 4,921 |
| Noninterest income to average assets | 0.4242% | 4,473 |
| Noninterest expense to average assets | 3.0366% | 3,499 |
| Loan and lease loss provision to assets | 0.7519% | 1,238 |
| Net operating income to assets | -0.0746% | 6,322 |
| Return on assets (ROA) | 0.2453% | 5,701 |
| Pretax return on assets | 0.2676% | 5,756 |
| Return on Equity (ROE) | 2.6790% | 5,533 |
| Retained earnings to average equity (ytd only) | 1.9947% | 4,980 |
| Net charge-offs to loans | 2.3592% | 531 |
| Credit loss provision to net charge-offs | 63.1247% | 4,270 |
| Earnings coverage of net charge-offs (x) | 0.5639% | 4,882 |
| Efficiency ratio | 81.8858% | 2,117 |
| Assets per employee ($millions) | 4.2178% | 3,319 |
| Cash dividends to net income (ytd only)* | 25.5428% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4488% | 1,525 |
| Loan loss allowance to noncurrent loans | 44.7026% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.0057% | 2,234 |
| Noncurrent loans to loans | 5.4780% | 1,156 |
| Net loans and leases to total assets | 45.7353% | 6,296 |
| Net loans and leases to deposits | 57.2353% | 6,027 |
| Net loans and leases to core deposits | 57.7959% | 6,285 |
| Total domestic deposits to total assets | 79.9076% | 5,848 |
| Equity capital to assets | 9.3860% | 5,006 |
| Core capital (leverage) ratio | 9.3230% | 4,218 |
| Tier 1 risk-based capital ratio | 14.3454% | 3,905 |
| Total risk-based capital ratio | 15.6015% | 3,873 |
| Memoranda: | ||
| Average total assets | $638,341,670 | 1,032 |
| Average earning assets | $590,534,330 | 1,016 |
| Average equity | $58,455,000 | 1,148 |
| Average total loans | $322,312,000 | 1,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 6,009 |
| Cost of funding earning assets | 0.6331% | 6,464 |
| Net interest margin | 3.6714% | 4,242 |
| Noninterest income to average assets | 0.5145% | 3,770 |
| Noninterest expense to average assets | 3.0507% | 3,455 |
| Loan and lease loss provision to assets | 1.0015% | 766 |
| Net operating income to assets | -0.1302% | 6,490 |
| Return on assets (ROA) | 0.2360% | 5,730 |
| Pretax return on assets | 0.2535% | 5,800 |
| Return on Equity (ROE) | 2.6093% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.6093% | 4,600 |
| Net charge-offs to loans | 2.7411% | 397 |
| Credit loss provision to net charge-offs | 69.8690% | 3,355 |
| Earnings coverage of net charge-offs (x) | 0.6009% | 4,176 |
| Efficiency ratio | 77.9840% | 2,847 |
| Assets per employee ($millions) | 4.0810% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4673% | 1,507 |
| Loan loss allowance to noncurrent loans | 53.9284% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.7894% | 2,469 |
| Noncurrent loans to loans | 4.5752% | 1,518 |
| Net loans and leases to total assets | 49.8231% | 5,870 |
| Net loans and leases to deposits | 62.1753% | 5,474 |
| Net loans and leases to core deposits | 62.8368% | 5,845 |
| Total domestic deposits to total assets | 80.1332% | 5,906 |
| Equity capital to assets | 9.0801% | 5,079 |
| Core capital (leverage) ratio | 9.4204% | 3,927 |
| Tier 1 risk-based capital ratio | 13.4992% | 4,418 |
| Total risk-based capital ratio | 14.7559% | 4,386 |
| Memoranda: | ||
| Average total assets | $639,071,500 | 1,041 |
| Average earning assets | $591,389,000 | 1,015 |
| Average equity | $57,793,500 | 1,144 |
| Average total loans | $334,172,000 | 1,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 5,989 |
| Cost of funding earning assets | 0.9916% | 5,732 |
| Net interest margin | 3.6475% | 4,587 |
| Noninterest income to average assets | 0.7213% | 2,701 |
| Noninterest expense to average assets | 2.8753% | 4,328 |
| Loan and lease loss provision to assets | 1.2707% | 1,223 |
| Net operating income to assets | 0.0168% | 5,788 |
| Return on assets (ROA) | 0.2162% | 5,382 |
| Pretax return on assets | 0.1532% | 5,590 |
| Return on Equity (ROE) | 2.4137% | 5,215 |
| Retained earnings to average equity (ytd only) | 0.7246% | 5,198 |
| Net charge-offs to loans | 1.7871% | 1,183 |
| Credit loss provision to net charge-offs | 124.5736% | 3,305 |
| Earnings coverage of net charge-offs (x) | 1.2005% | 4,908 |
| Efficiency ratio | 70.1325% | 4,151 |
| Assets per employee ($millions) | 4.0602% | 3,662 |
| Cash dividends to net income (ytd only)* | 69.9790% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5396% | 1,367 |
| Loan loss allowance to noncurrent loans | 56.1397% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6746% | 2,607 |
| Noncurrent loans to loans | 4.5236% | 1,561 |
| Net loans and leases to total assets | 52.1295% | 5,891 |
| Net loans and leases to deposits | 66.1278% | 5,383 |
| Net loans and leases to core deposits | 66.8354% | 5,794 |
| Total domestic deposits to total assets | 78.8314% | 6,123 |
| Equity capital to assets | 9.0068% | 5,135 |
| Core capital (leverage) ratio | 9.1114% | 4,337 |
| Tier 1 risk-based capital ratio | 13.1006% | 4,522 |
| Total risk-based capital ratio | 14.3594% | 4,479 |
| Memoranda: | ||
| Average total assets | $661,073,400 | 1,005 |
| Average earning assets | $612,330,600 | 989 |
| Average equity | $59,204,600 | 1,123 |
| Average total loans | $377,319,600 | 1,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 6,030 |
| Cost of funding earning assets | 1.0655% | 5,617 |
| Net interest margin | 3.6320% | 4,720 |
| Noninterest income to average assets | 0.7171% | 2,725 |
| Noninterest expense to average assets | 2.8237% | 4,383 |
| Loan and lease loss provision to assets | 1.2413% | 1,140 |
| Net operating income to assets | 0.0320% | 5,925 |
| Return on assets (ROA) | 0.3205% | 5,250 |
| Pretax return on assets | 0.3043% | 5,498 |
| Return on Equity (ROE) | 3.5839% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.4646% | 4,697 |
| Net charge-offs to loans | 1.5863% | 1,247 |
| Credit loss provision to net charge-offs | 135.0468% | 2,981 |
| Earnings coverage of net charge-offs (x) | 1.3677% | 4,711 |
| Efficiency ratio | 69.1949% | 4,223 |
| Assets per employee ($millions) | 4.2093% | 3,435 |
| Cash dividends to net income (ytd only)* | 31.2305% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3856% | 1,492 |
| Loan loss allowance to noncurrent loans | 52.8511% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.6498% | 2,734 |
| Noncurrent loans to loans | 4.5138% | 1,600 |
| Net loans and leases to total assets | 54.0019% | 5,850 |
| Net loans and leases to deposits | 69.1980% | 5,247 |
| Net loans and leases to core deposits | 70.2159% | 5,723 |
| Total domestic deposits to total assets | 78.0396% | 6,248 |
| Equity capital to assets | 9.3001% | 5,140 |
| Core capital (leverage) ratio | 9.2252% | 4,328 |
| Tier 1 risk-based capital ratio | 12.7467% | 4,778 |
| Total risk-based capital ratio | 14.0038% | 4,750 |
| Memoranda: | ||
| Average total assets | $665,963,750 | 1,004 |
| Average earning assets | $616,761,250 | 989 |
| Average equity | $59,560,750 | 1,118 |
| Average total loans | $385,866,750 | 1,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 5,910 |
| Cost of funding earning assets | 1.1553% | 5,374 |
| Net interest margin | 3.6098% | 4,772 |
| Noninterest income to average assets | 0.7730% | 2,267 |
| Noninterest expense to average assets | 2.7994% | 4,482 |
| Loan and lease loss provision to assets | 0.9566% | 1,531 |
| Net operating income to assets | 0.3787% | 4,856 |
| Return on assets (ROA) | 0.3976% | 4,927 |
| Pretax return on assets | 0.3748% | 5,293 |
| Return on Equity (ROE) | 4.5040% | 4,536 |
| Retained earnings to average equity (ytd only) | 3.6574% | 3,770 |
| Net charge-offs to loans | 0.9949% | 1,863 |
| Credit loss provision to net charge-offs | 163.5156% | 2,414 |
| Earnings coverage of net charge-offs (x) | 2.2437% | 3,884 |
| Efficiency ratio | 68.0794% | 4,567 |
| Assets per employee ($millions) | 4.2560% | 3,289 |
| Cash dividends to net income (ytd only)* | 18.7970% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,719 |
| Loan loss allowance to noncurrent loans | 46.0753% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.8664% | 2,517 |
| Noncurrent loans to loans | 4.8208% | 1,466 |
| Net loans and leases to total assets | 54.6807% | 5,885 |
| Net loans and leases to deposits | 70.5583% | 5,197 |
| Net loans and leases to core deposits | 71.6568% | 5,710 |
| Total domestic deposits to total assets | 77.4972% | 6,393 |
| Equity capital to assets | 9.1778% | 5,174 |
| Core capital (leverage) ratio | 8.9729% | 4,648 |
| Tier 1 risk-based capital ratio | 12.2604% | 5,068 |
| Total risk-based capital ratio | 13.5062% | 5,048 |
| Memoranda: | ||
| Average total assets | $669,069,670 | 1,011 |
| Average earning assets | $618,870,330 | 992 |
| Average equity | $59,058,000 | 1,120 |
| Average total loans | $393,400,000 | 1,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 5,923 |
| Cost of funding earning assets | 1.2082% | 5,356 |
| Net interest margin | 3.5819% | 4,803 |
| Noninterest income to average assets | 0.5544% | 3,615 |
| Noninterest expense to average assets | 2.7059% | 4,879 |
| Loan and lease loss provision to assets | 0.5377% | 2,352 |
| Net operating income to assets | 0.5375% | 4,196 |
| Return on assets (ROA) | 0.3011% | 5,427 |
| Pretax return on assets | 0.3483% | 5,463 |
| Return on Equity (ROE) | 3.4804% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.4804% | 4,060 |
| Net charge-offs to loans | 0.6814% | 2,129 |
| Credit loss provision to net charge-offs | 131.0044% | 2,695 |
| Earnings coverage of net charge-offs (x) | 2.8282% | 3,134 |
| Efficiency ratio | 69.9784% | 4,303 |
| Assets per employee ($millions) | 4.3040% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,575 |
| Loan loss allowance to noncurrent loans | 55.8372% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.0016% | 3,504 |
| Noncurrent loans to loans | 3.3148% | 2,411 |
| Net loans and leases to total assets | 57.4182% | 5,537 |
| Net loans and leases to deposits | 74.1324% | 4,716 |
| Net loans and leases to core deposits | 75.7580% | 5,294 |
| Total domestic deposits to total assets | 77.4536% | 6,458 |
| Equity capital to assets | 8.7417% | 5,666 |
| Core capital (leverage) ratio | 8.9629% | 4,630 |
| Tier 1 risk-based capital ratio | 11.7981% | 5,398 |
| Total risk-based capital ratio | 13.0504% | 5,339 |
| Memoranda: | ||
| Average total assets | $669,510,500 | 1,032 |
| Average earning assets | $619,117,000 | 1,013 |
| Average equity | $57,924,500 | 1,150 |
| Average total loans | $403,265,000 | 1,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 6,283 |
| Cost of funding earning assets | 1.5419% | 5,328 |
| Net interest margin | 3.5053% | 4,933 |
| Noninterest income to average assets | 0.7572% | 2,633 |
| Noninterest expense to average assets | 2.8667% | 4,667 |
| Loan and lease loss provision to assets | 1.0964% | 2,079 |
| Net operating income to assets | 0.1508% | 5,048 |
| Return on assets (ROA) | 0.0730% | 5,326 |
| Pretax return on assets | -0.0632% | 5,542 |
| Return on Equity (ROE) | 0.8691% | 5,275 |
| Retained earnings to average equity (ytd only) | -0.8691% | 5,219 |
| Net charge-offs to loans | 1.3204% | 1,890 |
| Credit loss provision to net charge-offs | 132.7385% | 3,771 |
| Earnings coverage of net charge-offs (x) | 1.3981% | 4,736 |
| Efficiency ratio | 71.2850% | 4,389 |
| Assets per employee ($millions) | 4.1725% | 3,487 |
| Cash dividends to net income (ytd only)* | 200.0000% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,880 |
| Loan loss allowance to noncurrent loans | 51.7489% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.1177% | 3,248 |
| Noncurrent loans to loans | 3.2960% | 2,318 |
| Net loans and leases to total assets | 60.9175% | 5,205 |
| Net loans and leases to deposits | 77.6254% | 4,449 |
| Net loans and leases to core deposits | 84.8721% | 5,633 |
| Total domestic deposits to total assets | 78.4763% | 6,127 |
| Equity capital to assets | 8.5613% | 5,788 |
| Core capital (leverage) ratio | 8.7711% | 4,808 |
| Tier 1 risk-based capital ratio | 11.1412% | 5,789 |
| Total risk-based capital ratio | 12.3922% | 5,742 |
| Memoranda: | ||
| Average total assets | $685,248,800 | 1,002 |
| Average earning assets | $638,123,200 | 976 |
| Average equity | $57,533,200 | 1,150 |
| Average total loans | $428,663,800 | 1,117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 6,415 |
| Cost of funding earning assets | 1.6072% | 5,367 |
| Net interest margin | 3.4538% | 5,056 |
| Noninterest income to average assets | 0.7575% | 2,663 |
| Noninterest expense to average assets | 2.8123% | 4,840 |
| Loan and lease loss provision to assets | 1.2205% | 1,588 |
| Net operating income to assets | 0.0748% | 5,542 |
| Return on assets (ROA) | -0.0189% | 5,803 |
| Pretax return on assets | -0.1972% | 5,977 |
| Return on Equity (ROE) | -0.2267% | 5,816 |
| Retained earnings to average equity (ytd only) | -2.5404% | 5,825 |
| Net charge-offs to loans | 1.7280% | 1,174 |
| Credit loss provision to net charge-offs | 112.6517% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.0798% | 4,976 |
| Efficiency ratio | 70.6234% | 4,478 |
| Assets per employee ($millions) | 4.1361% | 3,494 |
| Cash dividends to net income (ytd only)* | -1,020.4347% | 8,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,857 |
| Loan loss allowance to noncurrent loans | 61.5233% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 3,953 |
| Noncurrent loans to loans | 2.3026% | 3,264 |
| Net loans and leases to total assets | 60.6626% | 5,475 |
| Net loans and leases to deposits | 79.5451% | 4,466 |
| Net loans and leases to core deposits | 87.3705% | 5,708 |
| Total domestic deposits to total assets | 76.2619% | 6,542 |
| Equity capital to assets | 8.7635% | 5,860 |
| Core capital (leverage) ratio | 8.4905% | 5,517 |
| Tier 1 risk-based capital ratio | 10.9094% | 6,041 |
| Total risk-based capital ratio | 12.0084% | 6,164 |
| Memoranda: | ||
| Average total assets | $689,661,500 | 1,006 |
| Average earning assets | $643,912,750 | 980 |
| Average equity | $57,627,750 | 1,163 |
| Average total loans | $432,394,500 | 1,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 6,654 |
| Cost of funding earning assets | 1.6501% | 5,510 |
| Net interest margin | 3.3876% | 5,223 |
| Noninterest income to average assets | 0.7424% | 2,743 |
| Noninterest expense to average assets | 2.7916% | 4,991 |
| Loan and lease loss provision to assets | 1.0709% | 1,597 |
| Net operating income to assets | 0.1078% | 5,543 |
| Return on assets (ROA) | 0.0098% | 5,886 |
| Pretax return on assets | -0.1061% | 5,999 |
| Return on Equity (ROE) | 0.1193% | 5,880 |
| Retained earnings to average equity (ytd only) | -3.3882% | 6,031 |
| Net charge-offs to loans | 0.4591% | 2,992 |
| Credit loss provision to net charge-offs | 369.8207% | 1,259 |
| Earnings coverage of net charge-offs (x) | 3.8606% | 3,290 |
| Efficiency ratio | 71.4054% | 4,526 |
| Assets per employee ($millions) | 4.1416% | 3,414 |
| Cash dividends to net income (ytd only)* | 2,941.1765% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 1,911 |
| Loan loss allowance to noncurrent loans | 88.2556% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 4,010 |
| Noncurrent loans to loans | 2.0961% | 3,388 |
| Net loans and leases to total assets | 60.6995% | 5,569 |
| Net loans and leases to deposits | 80.6515% | 4,449 |
| Net loans and leases to core deposits | 88.1569% | 5,707 |
| Total domestic deposits to total assets | 75.2614% | 6,702 |
| Equity capital to assets | 8.1899% | 6,510 |
| Core capital (leverage) ratio | 8.3757% | 5,665 |
| Tier 1 risk-based capital ratio | 10.6118% | 6,272 |
| Total risk-based capital ratio | 11.8640% | 6,206 |
| Memoranda: | ||
| Average total assets | $693,440,670 | 1,013 |
| Average earning assets | $648,306,670 | 986 |
| Average equity | $57,022,000 | 1,179 |
| Average total loans | $437,392,000 | 1,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 6,871 |
| Cost of funding earning assets | 1.7006% | 5,595 |
| Net interest margin | 3.3243% | 5,424 |
| Noninterest income to average assets | 0.6942% | 2,925 |
| Noninterest expense to average assets | 2.6379% | 5,285 |
| Loan and lease loss provision to assets | 0.4148% | 2,844 |
| Net operating income to assets | 0.4993% | 4,421 |
| Return on assets (ROA) | 0.5358% | 4,463 |
| Pretax return on assets | 0.8094% | 4,046 |
| Return on Equity (ROE) | 6.5023% | 3,816 |
| Retained earnings to average equity (ytd only) | -0.4894% | 5,761 |
| Net charge-offs to loans | 0.0615% | 4,597 |
| Credit loss provision to net charge-offs | 1,058.8235% | 588 |
| Earnings coverage of net charge-offs (x) | 29.8382% | 1,060 |
| Efficiency ratio | 69.2948% | 4,719 |
| Assets per employee ($millions) | 4.2200% | 3,226 |
| Cash dividends to net income (ytd only)* | 107.5269% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,842 |
| Loan loss allowance to noncurrent loans | 117.8981% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 5,374 |
| Noncurrent loans to loans | 1.1382% | 4,717 |
| Net loans and leases to total assets | 61.8302% | 5,370 |
| Net loans and leases to deposits | 84.0431% | 3,979 |
| Net loans and leases to core deposits | 91.8517% | 5,357 |
| Total domestic deposits to total assets | 73.5696% | 6,955 |
| Equity capital to assets | 8.0931% | 6,679 |
| Core capital (leverage) ratio | 8.5960% | 5,350 |
| Tier 1 risk-based capital ratio | 10.6887% | 6,199 |
| Total risk-based capital ratio | 11.7447% | 6,316 |
| Memoranda: | ||
| Average total assets | $694,338,500 | 1,016 |
| Average earning assets | $650,131,000 | 989 |
| Average equity | $57,210,500 | 1,186 |
| Average total loans | $442,219,000 | 1,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 7,023 |
| Cost of funding earning assets | 2.1226% | 5,960 |
| Net interest margin | 3.4909% | 5,328 |
| Noninterest income to average assets | 0.8840% | 2,038 |
| Noninterest expense to average assets | 2.7652% | 4,987 |
| Loan and lease loss provision to assets | 0.1930% | 4,955 |
| Net operating income to assets | 0.7942% | 3,459 |
| Return on assets (ROA) | 0.7915% | 3,313 |
| Pretax return on assets | 1.1722% | 2,756 |
| Return on Equity (ROE) | 9.8615% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.8615% | 471 |
| Net charge-offs to loans | 0.2213% | 4,014 |
| Credit loss provision to net charge-offs | 129.3372% | 4,123 |
| Earnings coverage of net charge-offs (x) | 9.1764% | 2,741 |
| Efficiency ratio | 66.8812% | 4,927 |
| Assets per employee ($millions) | 3.9565% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 4,834 |
| Loan loss allowance to noncurrent loans | 303.7945% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,588 |
| Noncurrent loans to loans | 0.3823% | 6,198 |
| Net loans and leases to total assets | 63.9614% | 5,279 |
| Net loans and leases to deposits | 88.3802% | 3,745 |
| Net loans and leases to core deposits | 96.4639% | 5,216 |
| Total domestic deposits to total assets | 72.3708% | 6,933 |
| Equity capital to assets | 8.3868% | 6,280 |
| Core capital (leverage) ratio | 8.5737% | 5,440 |
| Tier 1 risk-based capital ratio | 11.6464% | 5,104 |
| Total risk-based capital ratio | 12.6678% | 5,221 |
| Memoranda: | ||
| Average total assets | $687,577,200 | 971 |
| Average earning assets | $640,241,800 | 945 |
| Average equity | $55,184,400 | 1,221 |
| Average total loans | $463,569,800 | 1,047 |