Home > Great Plains National Bank > Performance and Condition Ratios
Great Plains National Bank, Performance and Condition Ratios
| 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 | 3.8282% | 4,369 |
| Cost of funding earning assets | 0.2300% | 5,754 |
| Net interest margin | 3.5982% | 3,252 |
| Noninterest income to average assets | 0.4861% | 3,518 |
| Noninterest expense to average assets | 1.4452% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3083% | 198 |
| Return on assets (ROA) | 2.3083% | 208 |
| Pretax return on assets | 2.3083% | 303 |
| Return on Equity (ROE) | 22.2376% | 188 |
| Retained earnings to average equity (ytd only) | 22.2376% | 81 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5032% | 6,612 |
| Assets per employee ($millions) | 7.4875% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 4,503 |
| Noncurrent loans to loans | 0.9566% | 3,499 |
| Net loans and leases to total assets | 57.4814% | 3,925 |
| Net loans and leases to deposits | 64.5738% | 4,261 |
| Net loans and leases to core deposits | 65.7812% | 4,506 |
| Total domestic deposits to total assets | 89.0167% | 1,648 |
| Equity capital to assets | 10.6881% | 3,056 |
| Core capital (leverage) ratio | 8.6550% | 5,450 |
| Tier 1 risk-based capital ratio | 12.6831% | 5,202 |
| Total risk-based capital ratio | 12.6831% | 5,900 |
| Memoranda: | ||
| Average total assets | $216,436,500 | 2,868 |
| Average earning assets | $196,543,000 | 2,890 |
| Average equity | $22,466,500 | 2,895 |
| Average total loans | $126,004,000 | 2,946 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,810 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.0000% | 6,807 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.0000% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0000% | 6,212 |
| Return on assets (ROA) | 0.0000% | 6,253 |
| Pretax return on assets | 0.0000% | 6,232 |
| Return on Equity (ROE) | 0.0000% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 7.4391% | 620 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,213 |
| Noncurrent loans to loans | 0.0896% | 5,946 |
| Net loans and leases to total assets | 58.9584% | 3,879 |
| Net loans and leases to deposits | 65.8582% | 4,311 |
| Net loans and leases to core deposits | 67.0900% | 4,606 |
| Total domestic deposits to total assets | 89.5233% | 1,319 |
| Equity capital to assets | 10.0702% | 3,667 |
| Core capital (leverage) ratio | 9.2395% | 4,657 |
| Tier 1 risk-based capital ratio | 11.3484% | 5,995 |
| Total risk-based capital ratio | 11.3484% | 6,454 |
| Memoranda: | ||
| Average total assets | $191,631,200 | 3,138 |
| Average earning assets | $174,662,600 | 3,154 |
| Average equity | $17,975,600 | 3,421 |
| Average total loans | $120,629,200 | 3,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,929 |
| Cost of funding earning assets | 0.3018% | 5,719 |
| Net interest margin | 4.0125% | 1,902 |
| Noninterest income to average assets | 0.2421% | 5,704 |
| Noninterest expense to average assets | 1.6479% | 6,522 |
| Loan and lease loss provision to assets | 0.0970% | 3,143 |
| Net operating income to assets | 2.2405% | 239 |
| Return on assets (ROA) | 2.2405% | 247 |
| Pretax return on assets | 2.1745% | 412 |
| Return on Equity (ROE) | 24.4072% | 132 |
| Retained earnings to average equity (ytd only) | 15.8932% | 164 |
| Net charge-offs to loans | -0.0034% | 5,734 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3306% | 6,725 |
| Assets per employee ($millions) | 6.2434% | 1,078 |
| Cash dividends to net income (ytd only)* | 34.8830% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 3,356 |
| Loan loss allowance to noncurrent loans | 8,654.5455% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 6,462 |
| Noncurrent loans to loans | 0.0176% | 6,301 |
| Net loans and leases to total assets | 67.9187% | 2,308 |
| Net loans and leases to deposits | 75.5028% | 3,024 |
| Net loans and leases to core deposits | 77.1808% | 3,470 |
| Total domestic deposits to total assets | 89.9552% | 1,025 |
| Equity capital to assets | 9.6687% | 4,335 |
| Core capital (leverage) ratio | 9.5428% | 4,343 |
| Tier 1 risk-based capital ratio | 12.2136% | 5,634 |
| Total risk-based capital ratio | 13.4645% | 5,565 |
| Memoranda: | ||
| Average total assets | $185,605,250 | 3,247 |
| Average earning assets | $170,098,500 | 3,238 |
| Average equity | $17,038,250 | 3,595 |
| Average total loans | $118,988,000 | 3,078 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 3,304 |
| Cost of funding earning assets | 0.3073% | 5,770 |
| Net interest margin | 3.9081% | 2,190 |
| Noninterest income to average assets | 0.2138% | 5,913 |
| Noninterest expense to average assets | 1.6545% | 6,545 |
| Loan and lease loss provision to assets | 0.0962% | 3,185 |
| Net operating income to assets | 2.1366% | 292 |
| Return on assets (ROA) | 2.1366% | 307 |
| Pretax return on assets | 2.0383% | 560 |
| Return on Equity (ROE) | 23.6816% | 148 |
| Retained earnings to average equity (ytd only) | 16.7631% | 166 |
| Net charge-offs to loans | -0.0068% | 5,694 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9337% | 6,734 |
| Assets per employee ($millions) | 6.0583% | 1,165 |
| Cash dividends to net income (ytd only)* | 29.2146% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 67.9230% | 2,251 |
| Net loans and leases to deposits | 75.2849% | 2,975 |
| Net loans and leases to core deposits | 76.9475% | 3,433 |
| Total domestic deposits to total assets | 90.2212% | 898 |
| Equity capital to assets | 9.4107% | 4,704 |
| Core capital (leverage) ratio | 8.9784% | 5,029 |
| Tier 1 risk-based capital ratio | 11.4598% | 6,132 |
| Total risk-based capital ratio | 12.7104% | 6,097 |
| Memoranda: | ||
| Average total assets | $187,120,670 | 3,241 |
| Average earning assets | $171,183,670 | 3,234 |
| Average equity | $16,882,330 | 3,640 |
| Average total loans | $117,025,000 | 3,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 3,768 |
| Cost of funding earning assets | 0.3230% | 5,777 |
| Net interest margin | 3.7656% | 2,588 |
| Noninterest income to average assets | 0.2150% | 5,939 |
| Noninterest expense to average assets | 1.6206% | 6,654 |
| Loan and lease loss provision to assets | 0.0948% | 3,082 |
| Net operating income to assets | 1.8124% | 469 |
| Return on assets (ROA) | 1.8124% | 519 |
| Pretax return on assets | 1.9388% | 676 |
| Return on Equity (ROE) | 20.5110% | 263 |
| Retained earnings to average equity (ytd only) | 12.2112% | 667 |
| Net charge-offs to loans | -0.0177% | 5,664 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5986% | 6,787 |
| Assets per employee ($millions) | 6.4174% | 1,018 |
| Cash dividends to net income (ytd only)* | 40.4651% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 3,157 |
| Loan loss allowance to noncurrent loans | 45,400.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,651 |
| Noncurrent loans to loans | 0.0037% | 6,510 |
| Net loans and leases to total assets | 55.7664% | 4,124 |
| Net loans and leases to deposits | 61.4705% | 4,619 |
| Net loans and leases to core deposits | 62.6507% | 4,890 |
| Total domestic deposits to total assets | 90.7205% | 663 |
| Equity capital to assets | 8.8053% | 5,704 |
| Core capital (leverage) ratio | 8.4986% | 5,594 |
| Tier 1 risk-based capital ratio | 12.2667% | 5,742 |
| Total risk-based capital ratio | 13.5185% | 5,699 |
| Memoranda: | ||
| Average total assets | $189,806,000 | 3,227 |
| Average earning assets | $173,357,000 | 3,230 |
| Average equity | $16,771,500 | 3,703 |
| Average total loans | $112,882,500 | 3,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 2,932 |
| Cost of funding earning assets | 0.4320% | 5,707 |
| Net interest margin | 4.1847% | 1,700 |
| Noninterest income to average assets | 0.3031% | 5,283 |
| Noninterest expense to average assets | 1.8401% | 6,564 |
| Loan and lease loss provision to assets | 0.1396% | 3,863 |
| Net operating income to assets | 1.9931% | 359 |
| Return on assets (ROA) | 1.9931% | 393 |
| Pretax return on assets | 2.1327% | 467 |
| Return on Equity (ROE) | 21.9478% | 223 |
| Retained earnings to average equity (ytd only) | 12.6075% | 280 |
| Net charge-offs to loans | 0.0140% | 5,716 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 244.1250% | 170 |
| Efficiency ratio | 44.0091% | 6,849 |
| Assets per employee ($millions) | 6.2364% | 1,141 |
| Cash dividends to net income (ytd only)* | 42.5569% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,686 |
| Loan loss allowance to noncurrent loans | 13,584.6154% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,677 |
| Noncurrent loans to loans | 0.0112% | 6,528 |
| Net loans and leases to total assets | 61.3717% | 3,361 |
| Net loans and leases to deposits | 67.7051% | 4,027 |
| Net loans and leases to core deposits | 69.0441% | 4,434 |
| Total domestic deposits to total assets | 90.6457% | 638 |
| Equity capital to assets | 8.8679% | 5,664 |
| Core capital (leverage) ratio | 8.4955% | 5,616 |
| Tier 1 risk-based capital ratio | 11.2844% | 6,222 |
| Total risk-based capital ratio | 12.5354% | 6,190 |
| Memoranda: | ||
| Average total assets | $171,893,000 | 3,426 |
| Average earning assets | $156,474,200 | 3,431 |
| Average equity | $15,609,800 | 3,840 |
| Average total loans | $114,035,000 | 3,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 3,073 |
| Cost of funding earning assets | 0.4514% | 5,787 |
| Net interest margin | 4.1849% | 1,776 |
| Noninterest income to average assets | 0.2602% | 5,707 |
| Noninterest expense to average assets | 1.7403% | 6,749 |
| Loan and lease loss provision to assets | 0.1309% | 3,915 |
| Net operating income to assets | 2.0694% | 346 |
| Return on assets (ROA) | 2.0694% | 390 |
| Pretax return on assets | 2.2130% | 471 |
| Return on Equity (ROE) | 22.6404% | 209 |
| Retained earnings to average equity (ytd only) | 13.3638% | 362 |
| Net charge-offs to loans | 0.0082% | 5,603 |
| Credit loss provision to net charge-offs | 2,357.1429% | 115 |
| Earnings coverage of net charge-offs (x) | 422.2830% | 109 |
| Efficiency ratio | 41.8528% | 6,970 |
| Assets per employee ($millions) | 5.7611% | 1,409 |
| Cash dividends to net income (ytd only)* | 40.9736% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,391 |
| Loan loss allowance to noncurrent loans | 15,454.5455% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,779 |
| Noncurrent loans to loans | 0.0090% | 6,649 |
| Net loans and leases to total assets | 69.4661% | 2,022 |
| Net loans and leases to deposits | 77.2927% | 2,759 |
| Net loans and leases to core deposits | 78.9408% | 3,335 |
| Total domestic deposits to total assets | 89.8741% | 913 |
| Equity capital to assets | 9.4715% | 5,241 |
| Core capital (leverage) ratio | 8.5261% | 5,716 |
| Tier 1 risk-based capital ratio | 10.9202% | 6,511 |
| Total risk-based capital ratio | 12.1702% | 6,493 |
| Memoranda: | ||
| Average total assets | $168,093,500 | 3,523 |
| Average earning assets | $153,595,500 | 3,524 |
| Average equity | $15,364,500 | 3,918 |
| Average total loans | $113,397,000 | 3,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,599 |
| Cost of funding earning assets | 0.4709% | 5,825 |
| Net interest margin | 4.0708% | 2,201 |
| Noninterest income to average assets | 0.2450% | 5,819 |
| Noninterest expense to average assets | 1.7044% | 6,838 |
| Loan and lease loss provision to assets | 0.1081% | 4,170 |
| Net operating income to assets | 2.0106% | 390 |
| Return on assets (ROA) | 2.0106% | 445 |
| Pretax return on assets | 2.1500% | 524 |
| Return on Equity (ROE) | 22.2764% | 243 |
| Retained earnings to average equity (ytd only) | 12.7351% | 469 |
| Net charge-offs to loans | 0.0054% | 5,423 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 626.6667% | 57 |
| Efficiency ratio | 42.2249% | 7,013 |
| Assets per employee ($millions) | 6.1628% | 1,129 |
| Cash dividends to net income (ytd only)* | 42.8315% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,656 |
| Loan loss allowance to noncurrent loans | 11,635.7143% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,826 |
| Noncurrent loans to loans | 0.0116% | 6,672 |
| Net loans and leases to total assets | 68.7910% | 2,141 |
| Net loans and leases to deposits | 76.1882% | 2,962 |
| Net loans and leases to core deposits | 77.6540% | 3,566 |
| Total domestic deposits to total assets | 90.2909% | 769 |
| Equity capital to assets | 9.0966% | 5,587 |
| Core capital (leverage) ratio | 8.6450% | 5,454 |
| Tier 1 risk-based capital ratio | 10.5800% | 6,671 |
| Total risk-based capital ratio | 11.8001% | 6,662 |
| Memoranda: | ||
| Average total assets | $166,513,330 | 3,560 |
| Average earning assets | $152,057,670 | 3,560 |
| Average equity | $15,029,330 | 3,981 |
| Average total loans | $110,609,000 | 3,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 4,032 |
| Cost of funding earning assets | 0.5059% | 5,776 |
| Net interest margin | 3.9635% | 2,655 |
| Noninterest income to average assets | 0.2275% | 5,993 |
| Noninterest expense to average assets | 1.7542% | 6,850 |
| Loan and lease loss provision to assets | 0.1101% | 3,977 |
| Net operating income to assets | 1.8399% | 552 |
| Return on assets (ROA) | 1.8399% | 626 |
| Pretax return on assets | 1.9671% | 783 |
| Return on Equity (ROE) | 20.4689% | 359 |
| Retained earnings to average equity (ytd only) | 6.6687% | 2,597 |
| Net charge-offs to loans | 0.0038% | 4,700 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 849.0000% | 23 |
| Efficiency ratio | 44.9553% | 6,953 |
| Assets per employee ($millions) | 6.1660% | 1,173 |
| Cash dividends to net income (ytd only)* | 67.4202% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,169 |
| Loan loss allowance to noncurrent loans | 7,925.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,774 |
| Noncurrent loans to loans | 0.0189% | 6,732 |
| Net loans and leases to total assets | 62.6512% | 3,132 |
| Net loans and leases to deposits | 69.2270% | 3,838 |
| Net loans and leases to core deposits | 70.3291% | 4,364 |
| Total domestic deposits to total assets | 90.5011% | 805 |
| Equity capital to assets | 8.8905% | 5,649 |
| Core capital (leverage) ratio | 8.2795% | 5,906 |
| Tier 1 risk-based capital ratio | 10.8428% | 6,600 |
| Total risk-based capital ratio | 12.0928% | 6,592 |
| Memoranda: | ||
| Average total assets | $163,490,500 | 3,631 |
| Average earning assets | $148,655,000 | 3,645 |
| Average equity | $14,695,500 | 4,054 |
| Average total loans | $105,746,500 | 3,463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 3,015 |
| Cost of funding earning assets | 0.7047% | 5,506 |
| Net interest margin | 4.2667% | 1,817 |
| Noninterest income to average assets | 0.2674% | 5,604 |
| Noninterest expense to average assets | 1.9987% | 6,675 |
| Loan and lease loss provision to assets | 0.1861% | 4,329 |
| Net operating income to assets | 1.8677% | 408 |
| Return on assets (ROA) | 1.9491% | 365 |
| Pretax return on assets | 2.0883% | 453 |
| Return on Equity (ROE) | 21.2328% | 212 |
| Retained earnings to average equity (ytd only) | 13.8224% | 179 |
| Net charge-offs to loans | 0.0089% | 6,302 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 352.5556% | 100 |
| Efficiency ratio | 46.5009% | 7,022 |
| Assets per employee ($millions) | 6.4200% | 996 |
| Cash dividends to net income (ytd only)* | 34.9010% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 4,192 |
| Loan loss allowance to noncurrent loans | 25,700.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 6,857 |
| Noncurrent loans to loans | 0.0057% | 6,851 |
| Net loans and leases to total assets | 64.8372% | 3,017 |
| Net loans and leases to deposits | 71.8196% | 3,822 |
| Net loans and leases to core deposits | 73.6547% | 4,290 |
| Total domestic deposits to total assets | 90.2778% | 835 |
| Equity capital to assets | 9.0904% | 5,427 |
| Core capital (leverage) ratio | 8.5199% | 5,527 |
| Tier 1 risk-based capital ratio | 10.9140% | 6,493 |
| Total risk-based capital ratio | 12.1646% | 6,479 |
| Memoranda: | ||
| Average total assets | $145,091,000 | 3,888 |
| Average earning assets | $133,240,400 | 3,864 |
| Average equity | $13,319,000 | 4,276 |
| Average total loans | $101,050,200 | 3,592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 2,763 |
| Cost of funding earning assets | 0.7372% | 5,546 |
| Net interest margin | 4.3302% | 1,612 |
| Noninterest income to average assets | 0.2096% | 6,116 |
| Noninterest expense to average assets | 1.9994% | 6,691 |
| Loan and lease loss provision to assets | 0.1699% | 4,347 |
| Net operating income to assets | 1.8999% | 421 |
| Return on assets (ROA) | 2.0126% | 361 |
| Pretax return on assets | 2.1523% | 471 |
| Return on Equity (ROE) | 21.8641% | 225 |
| Retained earnings to average equity (ytd only) | 15.1776% | 220 |
| Net charge-offs to loans | 0.0120% | 5,982 |
| Credit loss provision to net charge-offs | 2,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 259.2158% | 156 |
| Efficiency ratio | 46.3042% | 7,043 |
| Assets per employee ($millions) | 5.6954% | 1,427 |
| Cash dividends to net income (ytd only)* | 30.5815% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,881 |
| Loan loss allowance to noncurrent loans | 145,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 7,095 |
| Noncurrent loans to loans | 0.0009% | 6,970 |
| Net loans and leases to total assets | 72.8201% | 1,546 |
| Net loans and leases to deposits | 83.3729% | 2,114 |
| Net loans and leases to core deposits | 86.4544% | 2,713 |
| Total domestic deposits to total assets | 87.3427% | 2,446 |
| Equity capital to assets | 9.5725% | 4,975 |
| Core capital (leverage) ratio | 8.8818% | 5,136 |
| Tier 1 risk-based capital ratio | 10.6832% | 6,712 |
| Total risk-based capital ratio | 11.8986% | 6,708 |
| Memoranda: | ||
| Average total assets | $141,239,000 | 3,971 |
| Average earning assets | $130,214,750 | 3,952 |
| Average equity | $13,001,250 | 4,348 |
| Average total loans | $99,911,500 | 3,654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 3,436 |
| Cost of funding earning assets | 0.7596% | 5,627 |
| Net interest margin | 4.1814% | 2,113 |
| Noninterest income to average assets | 0.2058% | 6,193 |
| Noninterest expense to average assets | 1.9790% | 6,836 |
| Loan and lease loss provision to assets | 0.1295% | 4,671 |
| Net operating income to assets | 1.8437% | 454 |
| Return on assets (ROA) | 1.8437% | 483 |
| Pretax return on assets | 1.9718% | 622 |
| Return on Equity (ROE) | 20.3172% | 295 |
| Retained earnings to average equity (ytd only) | 14.6233% | 271 |
| Net charge-offs to loans | 0.0145% | 5,641 |
| Credit loss provision to net charge-offs | 1,285.7143% | 270 |
| Earnings coverage of net charge-offs (x) | 208.5714% | 172 |
| Efficiency ratio | 47.1958% | 7,105 |
| Assets per employee ($millions) | 5.0953% | 1,998 |
| Cash dividends to net income (ytd only)* | 28.0250% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,968 |
| Loan loss allowance to noncurrent loans | 45,466.6667% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,137 |
| Noncurrent loans to loans | 0.0029% | 7,014 |
| Net loans and leases to total assets | 71.4694% | 1,892 |
| Net loans and leases to deposits | 81.3428% | 2,550 |
| Net loans and leases to core deposits | 83.3782% | 3,314 |
| Total domestic deposits to total assets | 87.8620% | 2,234 |
| Equity capital to assets | 9.4001% | 4,971 |
| Core capital (leverage) ratio | 8.7991% | 5,051 |
| Tier 1 risk-based capital ratio | 10.7257% | 6,697 |
| Total risk-based capital ratio | 11.9262% | 6,707 |
| Memoranda: | ||
| Average total assets | $138,958,670 | 4,042 |
| Average earning assets | $128,759,330 | 4,016 |
| Average equity | $12,610,000 | 4,415 |
| Average total loans | $96,787,330 | 3,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8438% | 3,852 |
| Cost of funding earning assets | 0.8026% | 5,567 |
| Net interest margin | 4.0412% | 2,509 |
| Noninterest income to average assets | 0.2130% | 6,211 |
| Noninterest expense to average assets | 2.0247% | 6,791 |
| Loan and lease loss provision to assets | 0.1313% | 4,357 |
| Net operating income to assets | 1.6776% | 595 |
| Return on assets (ROA) | 1.6776% | 631 |
| Pretax return on assets | 1.8030% | 814 |
| Return on Equity (ROE) | 18.8378% | 407 |
| Retained earnings to average equity (ytd only) | 12.1545% | 717 |
| Net charge-offs to loans | 0.0385% | 4,572 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 420 |
| Efficiency ratio | 49.7421% | 7,007 |
| Assets per employee ($millions) | 5.0775% | 2,055 |
| Cash dividends to net income (ytd only)* | 35.4783% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,655 |
| Loan loss allowance to noncurrent loans | 43,900.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,210 |
| Noncurrent loans to loans | 0.0032% | 7,084 |
| Net loans and leases to total assets | 67.5481% | 2,648 |
| Net loans and leases to deposits | 75.1953% | 3,557 |
| Net loans and leases to core deposits | 77.1113% | 4,146 |
| Total domestic deposits to total assets | 89.8302% | 1,256 |
| Equity capital to assets | 9.1202% | 5,008 |
| Core capital (leverage) ratio | 8.6219% | 5,228 |
| Tier 1 risk-based capital ratio | 10.9965% | 6,515 |
| Total risk-based capital ratio | 12.2432% | 6,495 |
| Memoranda: | ||
| Average total assets | $137,104,000 | 4,117 |
| Average earning assets | $127,091,500 | 4,082 |
| Average equity | $12,209,500 | 4,502 |
| Average total loans | $93,517,000 | 3,893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 2,861 |
| Cost of funding earning assets | 1.1560% | 4,816 |
| Net interest margin | 4.2033% | 2,170 |
| Noninterest income to average assets | 0.2631% | 5,907 |
| Noninterest expense to average assets | 2.3553% | 6,208 |
| Loan and lease loss provision to assets | 0.2443% | 4,844 |
| Net operating income to assets | 1.4200% | 904 |
| Return on assets (ROA) | 1.4488% | 926 |
| Pretax return on assets | 1.5588% | 1,218 |
| Return on Equity (ROE) | 16.7748% | 501 |
| Retained earnings to average equity (ytd only) | 10.8909% | 394 |
| Net charge-offs to loans | -0.0012% | 7,231 |
| Credit loss provision to net charge-offs | -30,000.0000% | 7,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8998% | 6,610 |
| Assets per employee ($millions) | 5.0784% | 2,045 |
| Cash dividends to net income (ytd only)* | 35.0759% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,634 |
| Loan loss allowance to noncurrent loans | 9,853.8462% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,233 |
| Noncurrent loans to loans | 0.0140% | 7,120 |
| Net loans and leases to total assets | 66.9747% | 3,233 |
| Net loans and leases to deposits | 74.5120% | 4,113 |
| Net loans and leases to core deposits | 76.8156% | 4,605 |
| Total domestic deposits to total assets | 89.8845% | 1,171 |
| Equity capital to assets | 8.6905% | 5,598 |
| Core capital (leverage) ratio | 8.4827% | 5,396 |
| Tier 1 risk-based capital ratio | 10.8478% | 6,451 |
| Total risk-based capital ratio | 12.0857% | 6,431 |
| Memoranda: | ||
| Average total assets | $122,789,400 | 4,428 |
| Average earning assets | $112,888,600 | 4,400 |
| Average equity | $10,605,200 | 4,960 |
| Average total loans | $86,788,600 | 4,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 2,677 |
| Cost of funding earning assets | 1.2477% | 4,582 |
| Net interest margin | 4.1956% | 2,231 |
| Noninterest income to average assets | 0.2483% | 6,114 |
| Noninterest expense to average assets | 2.3018% | 6,324 |
| Loan and lease loss provision to assets | 0.2349% | 4,723 |
| Net operating income to assets | 1.4503% | 1,020 |
| Return on assets (ROA) | 1.4898% | 1,023 |
| Pretax return on assets | 1.6016% | 1,342 |
| Return on Equity (ROE) | 17.2801% | 555 |
| Retained earnings to average equity (ytd only) | 12.0000% | 459 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1988% | 6,529 |
| Assets per employee ($millions) | 4.6472% | 2,686 |
| Cash dividends to net income (ytd only)* | 30.5553% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 5,003 |
| Loan loss allowance to noncurrent loans | 561.7925% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,937 |
| Noncurrent loans to loans | 0.2302% | 6,720 |
| Net loans and leases to total assets | 72.4341% | 2,155 |
| Net loans and leases to deposits | 80.7962% | 3,308 |
| Net loans and leases to core deposits | 84.3161% | 3,893 |
| Total domestic deposits to total assets | 89.6504% | 1,050 |
| Equity capital to assets | 8.6966% | 6,020 |
| Core capital (leverage) ratio | 7.8450% | 6,522 |
| Tier 1 risk-based capital ratio | 9.7041% | 7,185 |
| Total risk-based capital ratio | 10.8920% | 7,203 |
| Memoranda: | ||
| Average total assets | $119,207,750 | 4,555 |
| Average earning assets | $109,317,500 | 4,546 |
| Average equity | $10,277,500 | 5,114 |
| Average total loans | $85,207,250 | 4,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 2,972 |
| Cost of funding earning assets | 1.3046% | 4,506 |
| Net interest margin | 4.0965% | 2,575 |
| Noninterest income to average assets | 0.2186% | 6,353 |
| Noninterest expense to average assets | 2.3241% | 6,289 |
| Loan and lease loss provision to assets | 0.2049% | 4,822 |
| Net operating income to assets | 1.3416% | 1,212 |
| Return on assets (ROA) | 1.4020% | 1,152 |
| Pretax return on assets | 1.5079% | 1,539 |
| Return on Equity (ROE) | 16.3123% | 664 |
| Retained earnings to average equity (ytd only) | 11.7226% | 533 |
| Net charge-offs to loans | -0.0024% | 7,075 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5125% | 6,304 |
| Assets per employee ($millions) | 4.5320% | 2,822 |
| Cash dividends to net income (ytd only)* | 28.1364% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,292 |
| Loan loss allowance to noncurrent loans | 190.8146% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 6,268 |
| Noncurrent loans to loans | 0.6445% | 5,966 |
| Net loans and leases to total assets | 72.2614% | 2,334 |
| Net loans and leases to deposits | 80.7617% | 3,471 |
| Net loans and leases to core deposits | 84.5779% | 4,059 |
| Total domestic deposits to total assets | 89.4748% | 1,195 |
| Equity capital to assets | 8.5466% | 6,105 |
| Core capital (leverage) ratio | 8.0827% | 6,150 |
| Tier 1 risk-based capital ratio | 10.0006% | 7,027 |
| Total risk-based capital ratio | 11.1301% | 7,072 |
| Memoranda: | ||
| Average total assets | $117,119,000 | 4,634 |
| Average earning assets | $107,310,330 | 4,617 |
| Average equity | $10,066,000 | 5,174 |
| Average total loans | $82,917,330 | 4,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 3,012 |
| Cost of funding earning assets | 1.3303% | 4,625 |
| Net interest margin | 4.0754% | 2,545 |
| Noninterest income to average assets | 0.2096% | 6,462 |
| Noninterest expense to average assets | 2.3372% | 6,290 |
| Loan and lease loss provision to assets | 0.2096% | 4,408 |
| Net operating income to assets | 1.2786% | 1,340 |
| Return on assets (ROA) | 1.2786% | 1,411 |
| Pretax return on assets | 1.3765% | 1,841 |
| Return on Equity (ROE) | 14.8328% | 906 |
| Retained earnings to average equity (ytd only) | 9.5643% | 1,254 |
| Net charge-offs to loans | -0.0050% | 6,815 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5726% | 6,250 |
| Assets per employee ($millions) | 4.4562% | 3,031 |
| Cash dividends to net income (ytd only)* | 35.5191% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,127 |
| Loan loss allowance to noncurrent loans | 1,466.1972% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 7,341 |
| Noncurrent loans to loans | 0.0862% | 7,176 |
| Net loans and leases to total assets | 67.5535% | 3,499 |
| Net loans and leases to deposits | 77.1075% | 4,200 |
| Net loans and leases to core deposits | 81.0117% | 4,622 |
| Total domestic deposits to total assets | 87.6095% | 2,296 |
| Equity capital to assets | 8.3279% | 6,263 |
| Core capital (leverage) ratio | 8.1741% | 5,953 |
| Tier 1 risk-based capital ratio | 10.1693% | 6,909 |
| Total risk-based capital ratio | 11.2962% | 6,993 |
| Memoranda: | ||
| Average total assets | $114,496,500 | 4,755 |
| Average earning assets | $104,334,500 | 4,749 |
| Average equity | $9,870,000 | 5,276 |
| Average total loans | $79,614,500 | 4,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8716% | 2,363 |
| Cost of funding earning assets | 1.5994% | 5,031 |
| Net interest margin | 4.2722% | 1,811 |
| Noninterest income to average assets | 0.2909% | 6,029 |
| Noninterest expense to average assets | 2.5036% | 6,115 |
| Loan and lease loss provision to assets | 0.1605% | 6,078 |
| Net operating income to assets | 1.4702% | 718 |
| Return on assets (ROA) | 1.5481% | 649 |
| Pretax return on assets | 1.6687% | 838 |
| Return on Equity (ROE) | 17.2822% | 429 |
| Retained earnings to average equity (ytd only) | 10.3628% | 340 |
| Net charge-offs to loans | -0.0593% | 7,856 |
| Credit loss provision to net charge-offs | -383.7209% | 7,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9192% | 6,630 |
| Assets per employee ($millions) | 4.7250% | 2,578 |
| Cash dividends to net income (ytd only)* | 40.0377% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,911 |
| Loan loss allowance to noncurrent loans | 715.3285% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 7,165 |
| Noncurrent loans to loans | 0.1781% | 6,977 |
| Net loans and leases to total assets | 69.8680% | 3,285 |
| Net loans and leases to deposits | 80.0070% | 3,987 |
| Net loans and leases to core deposits | 96.5158% | 4,399 |
| Total domestic deposits to total assets | 87.3274% | 2,308 |
| Equity capital to assets | 8.9441% | 5,228 |
| Core capital (leverage) ratio | 8.6943% | 4,931 |
| Tier 1 risk-based capital ratio | 10.9899% | 5,921 |
| Total risk-based capital ratio | 12.1659% | 5,971 |
| Memoranda: | ||
| Average total assets | $102,773,000 | 5,019 |
| Average earning assets | $95,220,400 | 4,968 |
| Average equity | $9,206,000 | 5,545 |
| Average total loans | $72,527,200 | 4,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 2,445 |
| Cost of funding earning assets | 1.6626% | 5,098 |
| Net interest margin | 4.2383% | 1,913 |
| Noninterest income to average assets | 0.2606% | 6,368 |
| Noninterest expense to average assets | 2.4258% | 6,333 |
| Loan and lease loss provision to assets | 0.1382% | 5,970 |
| Net operating income to assets | 1.5334% | 754 |
| Return on assets (ROA) | 1.6387% | 666 |
| Pretax return on assets | 1.7624% | 866 |
| Return on Equity (ROE) | 18.2865% | 431 |
| Retained earnings to average equity (ytd only) | 11.5595% | 400 |
| Net charge-offs to loans | -0.0821% | 7,905 |
| Credit loss provision to net charge-offs | -238.6364% | 7,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 6,777 |
| Assets per employee ($millions) | 4.6510% | 2,634 |
| Cash dividends to net income (ytd only)* | 36.7870% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,174 |
| Loan loss allowance to noncurrent loans | 398.7013% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,956 |
| Noncurrent loans to loans | 0.2981% | 6,764 |
| Net loans and leases to total assets | 74.8361% | 2,284 |
| Net loans and leases to deposits | 88.9381% | 2,791 |
| Net loans and leases to core deposits | 109.0054% | 3,344 |
| Total domestic deposits to total assets | 84.1440% | 3,659 |
| Equity capital to assets | 9.3813% | 4,911 |
| Core capital (leverage) ratio | 8.7501% | 5,048 |
| Tier 1 risk-based capital ratio | 10.8730% | 6,086 |
| Total risk-based capital ratio | 11.9868% | 6,184 |
| Memoranda: | ||
| Average total assets | $101,297,500 | 5,091 |
| Average earning assets | $94,468,750 | 5,024 |
| Average equity | $9,077,500 | 5,640 |
| Average total loans | $71,431,750 | 4,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8478% | 2,818 |
| Cost of funding earning assets | 1.7093% | 5,221 |
| Net interest margin | 4.1385% | 2,201 |
| Noninterest income to average assets | 0.2298% | 6,641 |
| Noninterest expense to average assets | 2.5060% | 6,103 |
| Loan and lease loss provision to assets | 0.1189% | 5,942 |
| Net operating income to assets | 1.3625% | 1,096 |
| Return on assets (ROA) | 1.4620% | 976 |
| Pretax return on assets | 1.5730% | 1,272 |
| Return on Equity (ROE) | 16.5774% | 634 |
| Retained earnings to average equity (ytd only) | 9.9734% | 741 |
| Net charge-offs to loans | -0.1268% | 7,984 |
| Credit loss provision to net charge-offs | -136.3636% | 6,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2591% | 6,357 |
| Assets per employee ($millions) | 4.6452% | 2,532 |
| Cash dividends to net income (ytd only)* | 39.8374% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,105 |
| Loan loss allowance to noncurrent loans | 117.2691% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,589 |
| Noncurrent loans to loans | 1.0025% | 5,200 |
| Net loans and leases to total assets | 72.0593% | 3,207 |
| Net loans and leases to deposits | 86.0242% | 3,546 |
| Net loans and leases to core deposits | 104.9406% | 3,964 |
| Total domestic deposits to total assets | 83.7663% | 3,889 |
| Equity capital to assets | 8.7881% | 5,616 |
| Core capital (leverage) ratio | 8.5101% | 5,430 |
| Tier 1 risk-based capital ratio | 10.9046% | 5,977 |
| Total risk-based capital ratio | 12.0092% | 6,065 |
| Memoranda: | ||
| Average total assets | $100,956,330 | 5,136 |
| Average earning assets | $94,189,000 | 5,062 |
| Average equity | $8,903,670 | 5,717 |
| Average total loans | $69,411,000 | 4,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 3,498 |
| Cost of funding earning assets | 1.7806% | 5,205 |
| Net interest margin | 3.9755% | 2,755 |
| Noninterest income to average assets | 0.2352% | 6,579 |
| Noninterest expense to average assets | 2.0890% | 7,141 |
| Loan and lease loss provision to assets | 0.1196% | 5,432 |
| Net operating income to assets | 1.6150% | 764 |
| Return on assets (ROA) | 1.7262% | 674 |
| Pretax return on assets | 1.8577% | 880 |
| Return on Equity (ROE) | 19.5375% | 457 |
| Retained earnings to average equity (ytd only) | 16.0180% | 337 |
| Net charge-offs to loans | -0.2991% | 8,067 |
| Credit loss provision to net charge-offs | -60.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9293% | 7,323 |
| Assets per employee ($millions) | 4.5846% | 2,586 |
| Cash dividends to net income (ytd only)* | 18.0139% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,187 |
| Loan loss allowance to noncurrent loans | 261.3497% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,540 |
| Noncurrent loans to loans | 0.4902% | 6,203 |
| Net loans and leases to total assets | 65.0955% | 4,793 |
| Net loans and leases to deposits | 74.1381% | 5,462 |
| Net loans and leases to core deposits | 88.3162% | 5,705 |
| Total domestic deposits to total assets | 87.8030% | 1,838 |
| Equity capital to assets | 8.9648% | 5,396 |
| Core capital (leverage) ratio | 8.4487% | 5,630 |
| Tier 1 risk-based capital ratio | 11.6837% | 5,222 |
| Total risk-based capital ratio | 12.8467% | 5,210 |
| Memoranda: | ||
| Average total assets | $100,337,000 | 5,171 |
| Average earning assets | $93,674,000 | 5,096 |
| Average equity | $8,865,000 | 5,750 |
| Average total loans | $66,858,000 | 5,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6590% | 2,210 |
| Cost of funding earning assets | 2.5616% | 3,897 |
| Net interest margin | 4.0974% | 2,722 |
| Noninterest income to average assets | 0.3611% | 5,833 |
| Noninterest expense to average assets | 2.4291% | 6,298 |
| Loan and lease loss provision to assets | 0.1528% | 5,407 |
| Net operating income to assets | 1.4615% | 1,102 |
| Return on assets (ROA) | 1.5168% | 954 |
| Pretax return on assets | 1.6130% | 1,347 |
| Return on Equity (ROE) | 17.0016% | 636 |
| Retained earnings to average equity (ytd only) | 11.0130% | 323 |
| Net charge-offs to loans | 0.1228% | 5,013 |
| Credit loss provision to net charge-offs | 175.3247% | 2,901 |
| Earnings coverage of net charge-offs (x) | 19.5844% | 1,620 |
| Efficiency ratio | 58.7302% | 6,570 |
| Assets per employee ($millions) | 4.5370% | 2,556 |
| Cash dividends to net income (ytd only)* | 35.2239% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 4,930 |
| Loan loss allowance to noncurrent loans | 1,135.2941% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 7,296 |
| Noncurrent loans to loans | 0.1012% | 7,110 |
| Net loans and leases to total assets | 66.5605% | 4,743 |
| Net loans and leases to deposits | 75.9112% | 5,599 |
| Net loans and leases to core deposits | 89.7359% | 5,825 |
| Total domestic deposits to total assets | 87.6820% | 1,617 |
| Equity capital to assets | 8.7043% | 5,804 |
| Core capital (leverage) ratio | 8.4826% | 5,605 |
| Tier 1 risk-based capital ratio | 11.2350% | 5,504 |
| Total risk-based capital ratio | 12.2922% | 5,577 |
| Memoranda: | ||
| Average total assets | $88,343,800 | 5,408 |
| Average earning assets | $81,393,800 | 5,388 |
| Average equity | $7,881,600 | 6,130 |
| Average total loans | $62,696,200 | 5,150 |