Home > Heartland Bank > Performance and Condition Ratios
Heartland Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,508 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.0000% | 6,507 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.0000% | 6,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0000% | 6,089 |
| Return on assets (ROA) | 0.0000% | 6,110 |
| Pretax return on assets | 0.0000% | 6,096 |
| Return on Equity (ROE) | 0.0000% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,761 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| 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) | 2.6560% | 6,058 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 1,875 |
| Loan loss allowance to noncurrent loans | 56.1324% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.6361% | 854 |
| Noncurrent loans to loans | 2.9689% | 762 |
| Net loans and leases to total assets | 71.0864% | 2,059 |
| Net loans and leases to deposits | 84.3344% | 2,174 |
| Net loans and leases to core deposits | 85.7846% | 2,711 |
| Total domestic deposits to total assets | 84.2912% | 3,591 |
| Equity capital to assets | 9.4511% | 4,776 |
| Core capital (leverage) ratio | 8.7590% | 5,282 |
| Tier 1 risk-based capital ratio | 11.7741% | 5,505 |
| Total risk-based capital ratio | 13.0288% | 5,415 |
| Memoranda: | ||
| Average total assets | $859,428,800 | 784 |
| Average earning assets | $705,167,800 | 870 |
| Average equity | $87,116,000 | 851 |
| Average total loans | $593,805,400 | 742 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,502 |
| Cost of funding earning assets | 0.5176% | 2,581 |
| Net interest margin | 3.5486% | 3,632 |
| Noninterest income to average assets | 3.2869% | 172 |
| Noninterest expense to average assets | 6.0581% | 179 |
| Loan and lease loss provision to assets | -0.1342% | 6,332 |
| Net operating income to assets | 0.1816% | 5,882 |
| Return on assets (ROA) | 0.1967% | 5,906 |
| Pretax return on assets | 0.2911% | 5,792 |
| Return on Equity (ROE) | 1.9060% | 5,863 |
| Retained earnings to average equity (ytd only) | -2.6721% | 6,120 |
| Net charge-offs to loans | -0.3506% | 6,415 |
| Credit loss provision to net charge-offs | 56.0895% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9450% | 433 |
| Assets per employee ($millions) | 2.6035% | 6,156 |
| Cash dividends to net income (ytd only)* | 240.1924% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,704 |
| Loan loss allowance to noncurrent loans | 49.7908% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.9986% | 786 |
| Noncurrent loans to loans | 3.0133% | 883 |
| Net loans and leases to total assets | 66.7885% | 2,722 |
| Net loans and leases to deposits | 78.4858% | 2,895 |
| Net loans and leases to core deposits | 80.1624% | 3,295 |
| Total domestic deposits to total assets | 85.0963% | 3,304 |
| Equity capital to assets | 9.6511% | 4,606 |
| Core capital (leverage) ratio | 8.9263% | 5,160 |
| Tier 1 risk-based capital ratio | 12.3399% | 5,271 |
| Total risk-based capital ratio | 13.5920% | 5,203 |
| Memoranda: | ||
| Average total assets | $846,538,250 | 799 |
| Average earning assets | $691,408,000 | 896 |
| Average equity | $87,370,250 | 844 |
| Average total loans | $577,615,250 | 761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,122 |
| Cost of funding earning assets | 0.5478% | 2,366 |
| Net interest margin | 3.6080% | 3,333 |
| Noninterest income to average assets | 3.1823% | 181 |
| Noninterest expense to average assets | 6.0844% | 175 |
| Loan and lease loss provision to assets | -0.2057% | 6,481 |
| Net operating income to assets | 0.1997% | 5,840 |
| Return on assets (ROA) | 0.2462% | 5,797 |
| Pretax return on assets | 0.2711% | 5,838 |
| Return on Equity (ROE) | 2.3310% | 5,754 |
| Retained earnings to average equity (ytd only) | -2.2396% | 6,021 |
| Net charge-offs to loans | -0.4462% | 6,497 |
| Credit loss provision to net charge-offs | 67.4051% | 2,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7941% | 411 |
| Assets per employee ($millions) | 2.7281% | 6,100 |
| Cash dividends to net income (ytd only)* | 196.0784% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,025 |
| Loan loss allowance to noncurrent loans | 51.7093% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 3.0064% | 843 |
| Noncurrent loans to loans | 2.8429% | 1,054 |
| Net loans and leases to total assets | 68.6154% | 2,308 |
| Net loans and leases to deposits | 82.6548% | 2,174 |
| Net loans and leases to core deposits | 84.7740% | 2,642 |
| Total domestic deposits to total assets | 83.0143% | 4,305 |
| Equity capital to assets | 10.0983% | 3,970 |
| Core capital (leverage) ratio | 9.3776% | 4,492 |
| Tier 1 risk-based capital ratio | 12.1106% | 5,479 |
| Total risk-based capital ratio | 13.3617% | 5,399 |
| Memoranda: | ||
| Average total assets | $828,450,330 | 823 |
| Average earning assets | $669,228,670 | 922 |
| Average equity | $87,514,670 | 834 |
| Average total loans | $566,555,000 | 774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,023 |
| Cost of funding earning assets | 0.5746% | 2,203 |
| Net interest margin | 3.5883% | 3,301 |
| Noninterest income to average assets | 2.8184% | 203 |
| Noninterest expense to average assets | 6.3467% | 166 |
| Loan and lease loss provision to assets | -0.4656% | 6,659 |
| Net operating income to assets | 0.0912% | 6,050 |
| Return on assets (ROA) | 0.1823% | 5,891 |
| Pretax return on assets | -0.0312% | 6,236 |
| Return on Equity (ROE) | 1.6855% | 5,876 |
| Retained earnings to average equity (ytd only) | -7.4750% | 6,265 |
| Net charge-offs to loans | -0.8807% | 6,616 |
| Credit loss provision to net charge-offs | 78.0731% | 1,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2626% | 250 |
| Assets per employee ($millions) | 2.4803% | 6,378 |
| Cash dividends to net income (ytd only)* | 543.4783% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 2,611 |
| Loan loss allowance to noncurrent loans | 48.9059% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.3639% | 782 |
| Noncurrent loans to loans | 3.3133% | 916 |
| Net loans and leases to total assets | 66.1899% | 2,536 |
| Net loans and leases to deposits | 81.2311% | 2,133 |
| Net loans and leases to core deposits | 83.4741% | 2,576 |
| Total domestic deposits to total assets | 81.4834% | 5,098 |
| Equity capital to assets | 10.7864% | 2,949 |
| Core capital (leverage) ratio | 10.0759% | 3,461 |
| Tier 1 risk-based capital ratio | 13.2470% | 4,863 |
| Total risk-based capital ratio | 14.4995% | 4,796 |
| Memoranda: | ||
| Average total assets | $807,543,500 | 852 |
| Average earning assets | $649,447,000 | 958 |
| Average equity | $87,331,000 | 838 |
| Average total loans | $546,810,500 | 801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 3,089 |
| Cost of funding earning assets | 0.4772% | 3,847 |
| Net interest margin | 3.7882% | 2,696 |
| Noninterest income to average assets | 5.7950% | 114 |
| Noninterest expense to average assets | 6.5630% | 163 |
| Loan and lease loss provision to assets | 0.5352% | 506 |
| Net operating income to assets | 1.1222% | 1,859 |
| Return on assets (ROA) | 1.2792% | 1,357 |
| Pretax return on assets | 2.1377% | 349 |
| Return on Equity (ROE) | 12.3913% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.3913% | 282 |
| Net charge-offs to loans | 1.2948% | 395 |
| Credit loss provision to net charge-offs | 61.3114% | 3,519 |
| Earnings coverage of net charge-offs (x) | 2.7497% | 4,084 |
| Efficiency ratio | 73.2223% | 3,258 |
| Assets per employee ($millions) | 2.3658% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,024 |
| Loan loss allowance to noncurrent loans | 48.4850% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.3625% | 896 |
| Noncurrent loans to loans | 3.1694% | 1,076 |
| Net loans and leases to total assets | 67.0942% | 2,507 |
| Net loans and leases to deposits | 82.0813% | 2,175 |
| Net loans and leases to core deposits | 84.3055% | 2,640 |
| Total domestic deposits to total assets | 81.7412% | 4,954 |
| Equity capital to assets | 10.8421% | 2,771 |
| Core capital (leverage) ratio | 10.1610% | 3,345 |
| Tier 1 risk-based capital ratio | 13.5631% | 4,605 |
| Total risk-based capital ratio | 14.8150% | 4,549 |
| Memoranda: | ||
| Average total assets | $822,922,400 | 806 |
| Average earning assets | $688,223,400 | 879 |
| Average equity | $84,954,600 | 840 |
| Average total loans | $554,776,600 | 757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 3,162 |
| Cost of funding earning assets | 0.3694% | 5,103 |
| Net interest margin | 3.8888% | 2,315 |
| Noninterest income to average assets | 6.4076% | 104 |
| Noninterest expense to average assets | 6.5478% | 166 |
| Loan and lease loss provision to assets | 0.4080% | 730 |
| Net operating income to assets | 1.6436% | 693 |
| Return on assets (ROA) | 1.8745% | 468 |
| Pretax return on assets | 3.1265% | 123 |
| Return on Equity (ROE) | 18.3848% | 408 |
| Retained earnings to average equity (ytd only) | 18.3848% | 98 |
| Net charge-offs to loans | 1.1827% | 462 |
| Credit loss provision to net charge-offs | 51.3096% | 3,469 |
| Earnings coverage of net charge-offs (x) | 3.9535% | 3,575 |
| Efficiency ratio | 67.5618% | 4,179 |
| Assets per employee ($millions) | 2.4628% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,984 |
| Loan loss allowance to noncurrent loans | 45.5399% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 3.2277% | 1,103 |
| Noncurrent loans to loans | 3.0320% | 1,319 |
| Net loans and leases to total assets | 73.1446% | 1,423 |
| Net loans and leases to deposits | 91.3214% | 1,034 |
| Net loans and leases to core deposits | 93.8807% | 1,587 |
| Total domestic deposits to total assets | 80.0958% | 5,478 |
| Equity capital to assets | 10.2964% | 3,518 |
| Core capital (leverage) ratio | 9.8834% | 3,841 |
| Tier 1 risk-based capital ratio | 14.5852% | 4,025 |
| Total risk-based capital ratio | 15.8385% | 3,976 |
| Memoranda: | ||
| Average total assets | $825,785,000 | 806 |
| Average earning assets | $697,341,500 | 872 |
| Average equity | $84,198,000 | 851 |
| Average total loans | $555,233,750 | 755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,142 |
| Cost of funding earning assets | 0.3878% | 5,054 |
| Net interest margin | 3.8660% | 2,320 |
| Noninterest income to average assets | 5.8310% | 127 |
| Noninterest expense to average assets | 6.4282% | 175 |
| Loan and lease loss provision to assets | 0.3633% | 911 |
| Net operating income to assets | 1.3830% | 1,116 |
| Return on assets (ROA) | 1.7521% | 614 |
| Pretax return on assets | 2.9130% | 159 |
| Return on Equity (ROE) | 17.2439% | 535 |
| Retained earnings to average equity (ytd only) | 17.2439% | 150 |
| Net charge-offs to loans | 1.6183% | 310 |
| Credit loss provision to net charge-offs | 34.6570% | 3,507 |
| Earnings coverage of net charge-offs (x) | 2.5411% | 3,676 |
| Efficiency ratio | 70.7038% | 3,694 |
| Assets per employee ($millions) | 2.2226% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,359 |
| Loan loss allowance to noncurrent loans | 61.5179% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.9064% | 1,407 |
| Noncurrent loans to loans | 2.5208% | 1,835 |
| Net loans and leases to total assets | 67.9663% | 2,240 |
| Net loans and leases to deposits | 80.4629% | 2,263 |
| Net loans and leases to core deposits | 82.7915% | 2,719 |
| Total domestic deposits to total assets | 84.4691% | 4,136 |
| Equity capital to assets | 10.6941% | 3,066 |
| Core capital (leverage) ratio | 10.2273% | 3,189 |
| Tier 1 risk-based capital ratio | 14.8806% | 3,857 |
| Total risk-based capital ratio | 16.1346% | 3,819 |
| Memoranda: | ||
| Average total assets | $812,075,670 | 823 |
| Average earning assets | $684,943,000 | 888 |
| Average equity | $82,510,330 | 870 |
| Average total loans | $525,985,670 | 792 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,969 |
| Cost of funding earning assets | 0.4145% | 4,969 |
| Net interest margin | 3.8667% | 2,224 |
| Noninterest income to average assets | 5.1694% | 142 |
| Noninterest expense to average assets | 6.2734% | 189 |
| Loan and lease loss provision to assets | 0.0477% | 3,819 |
| Net operating income to assets | 1.2813% | 1,329 |
| Return on assets (ROA) | 2.0726% | 335 |
| Pretax return on assets | 3.3578% | 118 |
| Return on Equity (ROE) | 20.9299% | 238 |
| Retained earnings to average equity (ytd only) | 20.9299% | 113 |
| Net charge-offs to loans | -1.1858% | 6,939 |
| Credit loss provision to net charge-offs | -6.4178% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6047% | 3,157 |
| Assets per employee ($millions) | 2.3727% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5960% | 1,016 |
| Loan loss allowance to noncurrent loans | 68.4403% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 3.5925% | 1,168 |
| Noncurrent loans to loans | 3.7931% | 1,216 |
| Net loans and leases to total assets | 59.6507% | 3,495 |
| Net loans and leases to deposits | 70.1846% | 3,449 |
| Net loans and leases to core deposits | 72.5337% | 3,756 |
| Total domestic deposits to total assets | 84.9911% | 4,044 |
| Equity capital to assets | 10.2952% | 3,803 |
| Core capital (leverage) ratio | 9.5134% | 4,060 |
| Tier 1 risk-based capital ratio | 14.4849% | 4,190 |
| Total risk-based capital ratio | 15.7496% | 4,144 |
| Memoranda: | ||
| Average total assets | $821,374,500 | 815 |
| Average earning assets | $688,124,500 | 891 |
| Average equity | $81,338,000 | 902 |
| Average total loans | $515,082,000 | 821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 2,275 |
| Cost of funding earning assets | 0.6729% | 3,713 |
| Net interest margin | 4.1058% | 1,982 |
| Noninterest income to average assets | 5.8463% | 122 |
| Noninterest expense to average assets | 6.1551% | 211 |
| Loan and lease loss provision to assets | 0.8053% | 601 |
| Net operating income to assets | 1.4065% | 1,090 |
| Return on assets (ROA) | 1.3297% | 1,364 |
| Pretax return on assets | 2.2596% | 361 |
| Return on Equity (ROE) | 16.2428% | 625 |
| Retained earnings to average equity (ytd only) | 16.2428% | 119 |
| Net charge-offs to loans | 1.8992% | 403 |
| Credit loss provision to net charge-offs | 69.6715% | 4,179 |
| Earnings coverage of net charge-offs (x) | 2.7151% | 4,072 |
| Efficiency ratio | 66.2297% | 4,457 |
| Assets per employee ($millions) | 2.4449% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 1,730 |
| Loan loss allowance to noncurrent loans | 62.4952% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.5907% | 1,250 |
| Noncurrent loans to loans | 3.3838% | 1,493 |
| Net loans and leases to total assets | 62.7875% | 3,098 |
| Net loans and leases to deposits | 73.5549% | 3,163 |
| Net loans and leases to core deposits | 75.9883% | 3,536 |
| Total domestic deposits to total assets | 85.3614% | 3,685 |
| Equity capital to assets | 9.5195% | 4,848 |
| Core capital (leverage) ratio | 8.7776% | 5,212 |
| Tier 1 risk-based capital ratio | 13.1504% | 5,002 |
| Total risk-based capital ratio | 14.4103% | 4,937 |
| Memoranda: | ||
| Average total assets | $845,476,800 | 774 |
| Average earning assets | $709,872,200 | 848 |
| Average equity | $69,212,400 | 1,018 |
| Average total loans | $514,596,400 | 803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 2,356 |
| Cost of funding earning assets | 0.7429% | 3,407 |
| Net interest margin | 4.0671% | 2,218 |
| Noninterest income to average assets | 5.6504% | 131 |
| Noninterest expense to average assets | 5.8710% | 225 |
| Loan and lease loss provision to assets | 0.6696% | 772 |
| Net operating income to assets | 1.6024% | 838 |
| Return on assets (ROA) | 1.5335% | 1,073 |
| Pretax return on assets | 2.4550% | 320 |
| Return on Equity (ROE) | 19.5103% | 361 |
| Retained earnings to average equity (ytd only) | 19.5103% | 91 |
| Net charge-offs to loans | 1.3617% | 675 |
| Credit loss provision to net charge-offs | 81.8740% | 3,565 |
| Earnings coverage of net charge-offs (x) | 3.8994% | 3,466 |
| Efficiency ratio | 64.8005% | 4,656 |
| Assets per employee ($millions) | 2.6863% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 1,351 |
| Loan loss allowance to noncurrent loans | 59.8811% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.8990% | 1,250 |
| Noncurrent loans to loans | 4.0160% | 1,271 |
| Net loans and leases to total assets | 60.6849% | 3,636 |
| Net loans and leases to deposits | 69.6896% | 3,939 |
| Net loans and leases to core deposits | 72.2080% | 4,224 |
| Total domestic deposits to total assets | 87.0788% | 2,616 |
| Equity capital to assets | 8.8291% | 5,992 |
| Core capital (leverage) ratio | 8.1610% | 6,178 |
| Tier 1 risk-based capital ratio | 12.9299% | 5,308 |
| Total risk-based capital ratio | 14.1939% | 5,264 |
| Memoranda: | ||
| Average total assets | $849,028,500 | 779 |
| Average earning assets | $711,808,250 | 848 |
| Average equity | $66,732,250 | 1,057 |
| Average total loans | $509,943,000 | 818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 1,935 |
| Cost of funding earning assets | 0.8557% | 2,751 |
| Net interest margin | 4.0907% | 2,127 |
| Noninterest income to average assets | 5.0296% | 138 |
| Noninterest expense to average assets | 5.8364% | 234 |
| Loan and lease loss provision to assets | 0.6857% | 816 |
| Net operating income to assets | 1.2670% | 1,523 |
| Return on assets (ROA) | 1.2041% | 1,897 |
| Pretax return on assets | 1.8517% | 936 |
| Return on Equity (ROE) | 16.0203% | 767 |
| Retained earnings to average equity (ytd only) | 16.0203% | 223 |
| Net charge-offs to loans | 1.6303% | 569 |
| Credit loss provision to net charge-offs | 70.9158% | 3,537 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 3,667 |
| Efficiency ratio | 69.1782% | 3,899 |
| Assets per employee ($millions) | 2.5766% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 1,062 |
| Loan loss allowance to noncurrent loans | 55.3883% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.8242% | 1,004 |
| Noncurrent loans to loans | 4.8410% | 1,054 |
| Net loans and leases to total assets | 55.1000% | 4,610 |
| Net loans and leases to deposits | 62.0483% | 4,987 |
| Net loans and leases to core deposits | 64.7569% | 5,125 |
| Total domestic deposits to total assets | 88.8018% | 1,637 |
| Equity capital to assets | 8.4997% | 6,208 |
| Core capital (leverage) ratio | 7.8634% | 6,400 |
| Tier 1 risk-based capital ratio | 12.0831% | 5,870 |
| Total risk-based capital ratio | 13.3466% | 5,845 |
| Memoranda: | ||
| Average total assets | $835,647,330 | 794 |
| Average earning assets | $696,012,000 | 872 |
| Average equity | $62,807,670 | 1,134 |
| Average total loans | $495,627,670 | 836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 1,782 |
| Cost of funding earning assets | 0.8491% | 3,074 |
| Net interest margin | 4.1834% | 1,802 |
| Noninterest income to average assets | 2.1745% | 360 |
| Noninterest expense to average assets | 4.1308% | 801 |
| Loan and lease loss provision to assets | 0.6312% | 882 |
| Net operating income to assets | 0.6307% | 4,217 |
| Return on assets (ROA) | 0.5690% | 4,723 |
| Pretax return on assets | 0.8222% | 4,334 |
| Return on Equity (ROE) | 8.1267% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.1267% | 1,934 |
| Net charge-offs to loans | 1.0452% | 995 |
| Credit loss provision to net charge-offs | 99.4640% | 2,386 |
| Earnings coverage of net charge-offs (x) | 2.3874% | 3,221 |
| Efficiency ratio | 73.1646% | 3,231 |
| Assets per employee ($millions) | 2.8745% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9019% | 912 |
| Loan loss allowance to noncurrent loans | 53.1023% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 5.7668% | 833 |
| Noncurrent loans to loans | 5.4647% | 974 |
| Net loans and leases to total assets | 62.0517% | 3,244 |
| Net loans and leases to deposits | 69.5180% | 3,801 |
| Net loans and leases to core deposits | 73.3076% | 3,980 |
| Total domestic deposits to total assets | 89.2599% | 1,511 |
| Equity capital to assets | 7.6347% | 6,721 |
| Core capital (leverage) ratio | 6.7184% | 6,926 |
| Tier 1 risk-based capital ratio | 9.2158% | 7,006 |
| Total risk-based capital ratio | 10.4822% | 7,006 |
| Memoranda: | ||
| Average total assets | $823,174,500 | 807 |
| Average earning assets | $683,078,000 | 890 |
| Average equity | $57,637,500 | 1,231 |
| Average total loans | $499,815,500 | 829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 3,192 |
| Cost of funding earning assets | 1.0700% | 2,882 |
| Net interest margin | 3.8630% | 3,504 |
| Noninterest income to average assets | 0.4039% | 4,583 |
| Noninterest expense to average assets | 4.2847% | 733 |
| Loan and lease loss provision to assets | 1.5797% | 450 |
| Net operating income to assets | -1.3227% | 6,863 |
| Return on assets (ROA) | -1.3337% | 6,886 |
| Pretax return on assets | -2.1844% | 7,062 |
| Return on Equity (ROE) | -18.5713% | 6,966 |
| Retained earnings to average equity (ytd only) | -18.5713% | 6,951 |
| Net charge-offs to loans | 3.1754% | 281 |
| Credit loss provision to net charge-offs | 79.7239% | 4,466 |
| Earnings coverage of net charge-offs (x) | -0.3050% | 6,007 |
| Efficiency ratio | 115.8725% | 347 |
| Assets per employee ($millions) | 3.3040% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7968% | 983 |
| Loan loss allowance to noncurrent loans | 57.6308% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 4.4960% | 1,222 |
| Noncurrent loans to loans | 4.8530% | 1,190 |
| Net loans and leases to total assets | 56.3136% | 4,648 |
| Net loans and leases to deposits | 62.3883% | 5,188 |
| Net loans and leases to core deposits | 68.4773% | 4,975 |
| Total domestic deposits to total assets | 90.2631% | 844 |
| Equity capital to assets | 6.4492% | 7,048 |
| Core capital (leverage) ratio | 6.0920% | 7,047 |
| Tier 1 risk-based capital ratio | 9.3876% | 6,981 |
| Total risk-based capital ratio | 10.6566% | 6,969 |
| Memoranda: | ||
| Average total assets | $895,822,800 | 730 |
| Average earning assets | $759,789,200 | 778 |
| Average equity | $64,336,000 | 1,049 |
| Average total loans | $558,989,000 | 754 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 3,261 |
| Cost of funding earning assets | 1.1256% | 2,791 |
| Net interest margin | 3.8419% | 3,659 |
| Noninterest income to average assets | 1.0812% | 1,147 |
| Noninterest expense to average assets | 4.2660% | 743 |
| Loan and lease loss provision to assets | 1.7532% | 350 |
| Net operating income to assets | -0.9953% | 6,883 |
| Return on assets (ROA) | -1.0092% | 6,916 |
| Pretax return on assets | -1.6840% | 7,060 |
| Return on Equity (ROE) | -13.7113% | 6,987 |
| Retained earnings to average equity (ytd only) | -13.7113% | 6,961 |
| Net charge-offs to loans | 3.5056% | 222 |
| Credit loss provision to net charge-offs | 78.7687% | 4,182 |
| Earnings coverage of net charge-offs (x) | 0.0362% | 5,572 |
| Efficiency ratio | 97.6416% | 750 |
| Assets per employee ($millions) | 3.3341% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 1,059 |
| Loan loss allowance to noncurrent loans | 63.8440% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 1,248 |
| Noncurrent loans to loans | 4.3425% | 1,503 |
| Net loans and leases to total assets | 57.4948% | 4,588 |
| Net loans and leases to deposits | 63.8045% | 5,196 |
| Net loans and leases to core deposits | 70.4179% | 4,899 |
| Total domestic deposits to total assets | 90.1109% | 809 |
| Equity capital to assets | 7.0063% | 7,053 |
| Core capital (leverage) ratio | 6.4659% | 7,080 |
| Tier 1 risk-based capital ratio | 9.5950% | 7,037 |
| Total risk-based capital ratio | 10.8598% | 7,036 |
| Memoranda: | ||
| Average total assets | $900,065,500 | 735 |
| Average earning assets | $764,991,750 | 784 |
| Average equity | $66,250,250 | 1,022 |
| Average total loans | $571,448,000 | 750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 3,128 |
| Cost of funding earning assets | 1.1779% | 2,721 |
| Net interest margin | 3.8279% | 3,657 |
| Noninterest income to average assets | 0.8184% | 1,932 |
| Noninterest expense to average assets | 4.2727% | 771 |
| Loan and lease loss provision to assets | 1.0833% | 762 |
| Net operating income to assets | -0.7650% | 6,848 |
| Return on assets (ROA) | -0.7643% | 6,862 |
| Pretax return on assets | -1.2757% | 6,988 |
| Return on Equity (ROE) | -10.2214% | 6,946 |
| Retained earnings to average equity (ytd only) | -10.2214% | 6,888 |
| Net charge-offs to loans | 2.2571% | 567 |
| Credit loss provision to net charge-offs | 73.9223% | 3,951 |
| Earnings coverage of net charge-offs (x) | -0.1343% | 5,369 |
| Efficiency ratio | 104.1986% | 611 |
| Assets per employee ($millions) | 3.2524% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8931% | 991 |
| Loan loss allowance to noncurrent loans | 46.9114% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 6.1436% | 907 |
| Noncurrent loans to loans | 6.1672% | 945 |
| Net loans and leases to total assets | 60.9190% | 4,105 |
| Net loans and leases to deposits | 68.1873% | 4,677 |
| Net loans and leases to core deposits | 76.1078% | 4,303 |
| Total domestic deposits to total assets | 89.3407% | 1,338 |
| Equity capital to assets | 7.4163% | 6,984 |
| Core capital (leverage) ratio | 6.8792% | 7,038 |
| Tier 1 risk-based capital ratio | 9.7725% | 7,040 |
| Total risk-based capital ratio | 11.0391% | 7,034 |
| Memoranda: | ||
| Average total assets | $902,244,330 | 738 |
| Average earning assets | $767,789,330 | 787 |
| Average equity | $67,466,000 | 1,001 |
| Average total loans | $585,803,330 | 732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 3,278 |
| Cost of funding earning assets | 1.2306% | 2,625 |
| Net interest margin | 3.7330% | 3,932 |
| Noninterest income to average assets | 0.4904% | 3,963 |
| Noninterest expense to average assets | 3.9643% | 1,082 |
| Loan and lease loss provision to assets | 0.8933% | 900 |
| Net operating income to assets | -0.7135% | 6,921 |
| Return on assets (ROA) | -0.6993% | 6,920 |
| Pretax return on assets | -1.1673% | 7,047 |
| Return on Equity (ROE) | -9.3153% | 7,005 |
| Retained earnings to average equity (ytd only) | -9.3153% | 6,831 |
| Net charge-offs to loans | 2.1879% | 563 |
| Credit loss provision to net charge-offs | 61.8641% | 3,513 |
| Earnings coverage of net charge-offs (x) | -0.2047% | 4,698 |
| Efficiency ratio | 107.3372% | 551 |
| Assets per employee ($millions) | 3.1083% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8934% | 1,014 |
| Loan loss allowance to noncurrent loans | 49.0116% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.9083% | 992 |
| Noncurrent loans to loans | 5.9036% | 1,084 |
| Net loans and leases to total assets | 59.8967% | 4,286 |
| Net loans and leases to deposits | 66.5162% | 4,895 |
| Net loans and leases to core deposits | 73.8360% | 4,546 |
| Total domestic deposits to total assets | 90.0483% | 1,124 |
| Equity capital to assets | 7.2864% | 6,983 |
| Core capital (leverage) ratio | 6.7377% | 7,102 |
| Tier 1 risk-based capital ratio | 9.7953% | 7,065 |
| Total risk-based capital ratio | 11.0622% | 7,068 |
| Memoranda: | ||
| Average total assets | $909,418,000 | 736 |
| Average earning assets | $774,286,000 | 787 |
| Average equity | $68,274,500 | 985 |
| Average total loans | $600,198,500 | 721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8591% | 1,132 |
| Cost of funding earning assets | 1.3092% | 3,821 |
| Net interest margin | 4.5498% | 1,135 |
| Noninterest income to average assets | 1.4283% | 704 |
| Noninterest expense to average assets | 4.2173% | 888 |
| Loan and lease loss provision to assets | 2.1357% | 595 |
| Net operating income to assets | -0.6522% | 6,486 |
| Return on assets (ROA) | -0.4925% | 6,412 |
| Pretax return on assets | -0.8359% | 6,537 |
| Return on Equity (ROE) | -6.2516% | 6,514 |
| Retained earnings to average equity (ytd only) | -6.2516% | 6,406 |
| Net charge-offs to loans | 2.1642% | 907 |
| Credit loss provision to net charge-offs | 136.3376% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.6676% | 5,441 |
| Efficiency ratio | 79.4568% | 2,488 |
| Assets per employee ($millions) | 2.9747% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8445% | 1,007 |
| Loan loss allowance to noncurrent loans | 42.6709% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 6.8119% | 821 |
| Noncurrent loans to loans | 6.6662% | 876 |
| Net loans and leases to total assets | 68.5029% | 2,863 |
| Net loans and leases to deposits | 76.9149% | 3,698 |
| Net loans and leases to core deposits | 86.9238% | 3,196 |
| Total domestic deposits to total assets | 89.0633% | 1,616 |
| Equity capital to assets | 7.7385% | 6,721 |
| Core capital (leverage) ratio | 7.2057% | 6,905 |
| Tier 1 risk-based capital ratio | 9.3532% | 7,170 |
| Total risk-based capital ratio | 10.6202% | 7,170 |
| Memoranda: | ||
| Average total assets | $915,092,600 | 735 |
| Average earning assets | $771,284,000 | 791 |
| Average equity | $72,093,200 | 930 |
| Average total loans | $662,361,000 | 659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 1,196 |
| Cost of funding earning assets | 1.3310% | 4,032 |
| Net interest margin | 4.5420% | 1,166 |
| Noninterest income to average assets | 1.6060% | 544 |
| Noninterest expense to average assets | 4.1589% | 873 |
| Loan and lease loss provision to assets | 2.6042% | 386 |
| Net operating income to assets | -0.8287% | 6,805 |
| Return on assets (ROA) | -0.6987% | 6,779 |
| Pretax return on assets | -1.1278% | 6,912 |
| Return on Equity (ROE) | -8.8309% | 6,872 |
| Retained earnings to average equity (ytd only) | -8.8309% | 6,816 |
| Net charge-offs to loans | 2.2470% | 794 |
| Credit loss provision to net charge-offs | 159.1283% | 2,390 |
| Earnings coverage of net charge-offs (x) | 0.7750% | 5,287 |
| Efficiency ratio | 75.9424% | 2,962 |
| Assets per employee ($millions) | 2.9724% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9367% | 871 |
| Loan loss allowance to noncurrent loans | 41.1275% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 7.1725% | 744 |
| Noncurrent loans to loans | 7.1405% | 771 |
| Net loans and leases to total assets | 71.3638% | 2,391 |
| Net loans and leases to deposits | 80.4120% | 3,373 |
| Net loans and leases to core deposits | 85.2898% | 3,758 |
| Total domestic deposits to total assets | 88.7477% | 1,535 |
| Equity capital to assets | 7.7130% | 6,990 |
| Core capital (leverage) ratio | 7.1091% | 7,106 |
| Tier 1 risk-based capital ratio | 8.8187% | 7,392 |
| Total risk-based capital ratio | 10.1027% | 7,402 |
| Memoranda: | ||
| Average total assets | $921,504,500 | 729 |
| Average earning assets | $775,255,250 | 787 |
| Average equity | $72,909,000 | 911 |
| Average total loans | $671,167,500 | 653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 1,466 |
| Cost of funding earning assets | 1.3647% | 4,089 |
| Net interest margin | 4.4193% | 1,396 |
| Noninterest income to average assets | 1.2708% | 800 |
| Noninterest expense to average assets | 3.7995% | 1,361 |
| Loan and lease loss provision to assets | 1.0518% | 1,376 |
| Net operating income to assets | 0.1036% | 5,857 |
| Return on assets (ROA) | 0.2070% | 5,666 |
| Pretax return on assets | 0.3029% | 5,490 |
| Return on Equity (ROE) | 2.5954% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.5954% | 4,488 |
| Net charge-offs to loans | 1.3052% | 1,459 |
| Credit loss provision to net charge-offs | 110.9775% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.2679% | 4,554 |
| Efficiency ratio | 75.1612% | 3,232 |
| Assets per employee ($millions) | 3.2160% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 2,385 |
| Loan loss allowance to noncurrent loans | 42.5784% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 4.8659% | 1,336 |
| Noncurrent loans to loans | 4.4856% | 1,621 |
| Net loans and leases to total assets | 72.7238% | 2,226 |
| Net loans and leases to deposits | 82.5758% | 3,169 |
| Net loans and leases to core deposits | 87.6554% | 3,589 |
| Total domestic deposits to total assets | 88.0691% | 1,963 |
| Equity capital to assets | 7.9902% | 6,760 |
| Core capital (leverage) ratio | 7.5017% | 6,823 |
| Tier 1 risk-based capital ratio | 9.4758% | 7,268 |
| Total risk-based capital ratio | 10.7471% | 7,267 |
| Memoranda: | ||
| Average total assets | $930,439,000 | 713 |
| Average earning assets | $785,379,000 | 779 |
| Average equity | $74,209,330 | 885 |
| Average total loans | $675,619,670 | 646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 1,877 |
| Cost of funding earning assets | 1.4274% | 4,010 |
| Net interest margin | 4.2455% | 1,866 |
| Noninterest income to average assets | 1.0882% | 1,069 |
| Noninterest expense to average assets | 3.6420% | 1,633 |
| Loan and lease loss provision to assets | 1.0805% | 1,140 |
| Net operating income to assets | -0.0585% | 6,381 |
| Return on assets (ROA) | 0.1634% | 5,940 |
| Pretax return on assets | 0.2033% | 5,870 |
| Return on Equity (ROE) | 2.0508% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.0508% | 4,898 |
| Net charge-offs to loans | 1.6022% | 1,088 |
| Credit loss provision to net charge-offs | 93.8525% | 3,566 |
| Earnings coverage of net charge-offs (x) | 0.8756% | 4,261 |
| Efficiency ratio | 77.4098% | 2,995 |
| Assets per employee ($millions) | 3.2080% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,482 |
| Loan loss allowance to noncurrent loans | 41.9132% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 4.8215% | 1,366 |
| Noncurrent loans to loans | 4.5061% | 1,661 |
| Net loans and leases to total assets | 70.0851% | 2,916 |
| Net loans and leases to deposits | 80.4766% | 3,559 |
| Net loans and leases to core deposits | 85.7124% | 3,942 |
| Total domestic deposits to total assets | 87.0876% | 2,583 |
| Equity capital to assets | 8.0568% | 6,595 |
| Core capital (leverage) ratio | 7.4656% | 6,885 |
| Tier 1 risk-based capital ratio | 9.7148% | 7,201 |
| Total risk-based capital ratio | 11.0007% | 7,180 |
| Memoranda: | ||
| Average total assets | $932,553,500 | 729 |
| Average earning assets | $782,377,500 | 798 |
| Average equity | $74,311,000 | 889 |
| Average total loans | $670,084,500 | 677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8362% | 2,500 |
| Cost of funding earning assets | 1.7250% | 4,376 |
| Net interest margin | 4.1111% | 2,403 |
| Noninterest income to average assets | 1.0540% | 1,396 |
| Noninterest expense to average assets | 3.6433% | 2,048 |
| Loan and lease loss provision to assets | 1.6334% | 1,401 |
| Net operating income to assets | -0.6465% | 6,309 |
| Return on assets (ROA) | 0.0513% | 5,391 |
| Pretax return on assets | -0.0056% | 5,452 |
| Return on Equity (ROE) | 0.6730% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.6730% | 4,526 |
| Net charge-offs to loans | 1.9637% | 1,253 |
| Credit loss provision to net charge-offs | 113.5478% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.6465% | 5,449 |
| Efficiency ratio | 78.5273% | 3,115 |
| Assets per employee ($millions) | 3.2013% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,386 |
| Loan loss allowance to noncurrent loans | 36.7140% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 5.1410% | 1,174 |
| Noncurrent loans to loans | 5.0577% | 1,331 |
| Net loans and leases to total assets | 70.9257% | 3,029 |
| Net loans and leases to deposits | 80.9601% | 3,806 |
| Net loans and leases to core deposits | 94.8135% | 4,585 |
| Total domestic deposits to total assets | 87.6057% | 2,172 |
| Equity capital to assets | 7.8819% | 6,691 |
| Core capital (leverage) ratio | 7.3127% | 6,973 |
| Tier 1 risk-based capital ratio | 9.2727% | 7,346 |
| Total risk-based capital ratio | 10.5449% | 7,330 |
| Memoranda: | ||
| Average total assets | $963,629,000 | 696 |
| Average earning assets | $824,906,200 | 741 |
| Average equity | $73,400,600 | 887 |
| Average total loans | $705,918,400 | 659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 2,885 |
| Cost of funding earning assets | 1.7404% | 4,693 |
| Net interest margin | 4.0613% | 2,542 |
| Noninterest income to average assets | 0.9386% | 1,823 |
| Noninterest expense to average assets | 3.4778% | 2,335 |
| Loan and lease loss provision to assets | 1.3590% | 1,418 |
| Net operating income to assets | -0.3053% | 6,208 |
| Return on assets (ROA) | 0.2374% | 5,110 |
| Pretax return on assets | 0.3105% | 5,031 |
| Return on Equity (ROE) | 3.1436% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.1436% | 3,557 |
| Net charge-offs to loans | 1.7330% | 1,168 |
| Credit loss provision to net charge-offs | 106.6962% | 4,767 |
| Earnings coverage of net charge-offs (x) | 0.7555% | 5,288 |
| Efficiency ratio | 77.0920% | 3,302 |
| Assets per employee ($millions) | 3.4175% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 2,733 |
| Loan loss allowance to noncurrent loans | 41.3220% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 4.1299% | 1,526 |
| Noncurrent loans to loans | 4.0396% | 1,814 |
| Net loans and leases to total assets | 69.2585% | 3,661 |
| Net loans and leases to deposits | 78.3226% | 4,695 |
| Net loans and leases to core deposits | 90.8766% | 5,348 |
| Total domestic deposits to total assets | 88.4272% | 1,466 |
| Equity capital to assets | 7.8728% | 6,967 |
| Core capital (leverage) ratio | 7.2511% | 7,224 |
| Tier 1 risk-based capital ratio | 9.7469% | 7,190 |
| Total risk-based capital ratio | 11.0205% | 7,130 |
| Memoranda: | ||
| Average total assets | $969,238,250 | 703 |
| Average earning assets | $835,631,500 | 746 |
| Average equity | $73,204,750 | 902 |
| Average total loans | $712,353,750 | 668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 2,758 |
| Cost of funding earning assets | 1.7526% | 4,993 |
| Net interest margin | 4.1081% | 2,294 |
| Noninterest income to average assets | 0.7285% | 2,823 |
| Noninterest expense to average assets | 3.4322% | 2,532 |
| Loan and lease loss provision to assets | 1.1347% | 1,514 |
| Net operating income to assets | -0.2051% | 6,197 |
| Return on assets (ROA) | 0.2771% | 5,096 |
| Pretax return on assets | 0.4151% | 4,890 |
| Return on Equity (ROE) | 3.7217% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,226 |
| Net charge-offs to loans | 0.9237% | 1,863 |
| Credit loss provision to net charge-offs | 164.8592% | 2,781 |
| Earnings coverage of net charge-offs (x) | 1.2148% | 4,623 |
| Efficiency ratio | 79.0676% | 3,183 |
| Assets per employee ($millions) | 3.5244% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 1,939 |
| Loan loss allowance to noncurrent loans | 58.3853% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 3.4219% | 1,828 |
| Noncurrent loans to loans | 3.1548% | 2,264 |
| Net loans and leases to total assets | 69.7502% | 3,766 |
| Net loans and leases to deposits | 78.4461% | 4,795 |
| Net loans and leases to core deposits | 90.0167% | 5,534 |
| Total domestic deposits to total assets | 88.9149% | 1,305 |
| Equity capital to assets | 7.4561% | 7,307 |
| Core capital (leverage) ratio | 7.0541% | 7,499 |
| Tier 1 risk-based capital ratio | 9.4357% | 7,447 |
| Total risk-based capital ratio | 10.6986% | 7,391 |
| Memoranda: | ||
| Average total assets | $969,929,670 | 717 |
| Average earning assets | $835,764,000 | 758 |
| Average equity | $72,225,330 | 929 |
| Average total loans | $722,733,670 | 682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 3,418 |
| Cost of funding earning assets | 1.7412% | 5,407 |
| Net interest margin | 4.0339% | 2,514 |
| Noninterest income to average assets | 0.2750% | 6,229 |
| Noninterest expense to average assets | 3.2491% | 2,799 |
| Loan and lease loss provision to assets | 1.4282% | 889 |
| Net operating income to assets | -0.6486% | 7,005 |
| Return on assets (ROA) | 0.3178% | 5,399 |
| Pretax return on assets | 0.4664% | 5,190 |
| Return on Equity (ROE) | 4.2712% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.2712% | 3,532 |
| Net charge-offs to loans | 0.9124% | 1,447 |
| Credit loss provision to net charge-offs | 205.2002% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.7023% | 4,449 |
| Efficiency ratio | 85.3422% | 2,151 |
| Assets per employee ($millions) | 3.7535% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 2,133 |
| Loan loss allowance to noncurrent loans | 72.0830% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8623% | 1,989 |
| Noncurrent loans to loans | 2.3651% | 2,785 |
| Net loans and leases to total assets | 75.0622% | 2,491 |
| Net loans and leases to deposits | 89.6361% | 2,990 |
| Net loans and leases to core deposits | 105.9950% | 3,917 |
| Total domestic deposits to total assets | 83.7410% | 3,827 |
| Equity capital to assets | 7.3957% | 7,426 |
| Core capital (leverage) ratio | 7.1795% | 7,503 |
| Tier 1 risk-based capital ratio | 9.3079% | 7,581 |
| Total risk-based capital ratio | 10.5775% | 7,538 |
| Memoranda: | ||
| Average total assets | $961,484,000 | 725 |
| Average earning assets | $825,405,000 | 770 |
| Average equity | $71,549,000 | 940 |
| Average total loans | $733,487,500 | 675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 3,990 |
| Cost of funding earning assets | 2.3178% | 5,072 |
| Net interest margin | 3.9761% | 3,232 |
| Noninterest income to average assets | 1.1280% | 1,227 |
| Noninterest expense to average assets | 3.5705% | 2,220 |
| Loan and lease loss provision to assets | 1.2662% | 1,131 |
| Net operating income to assets | -0.1987% | 6,620 |
| Return on assets (ROA) | 0.2292% | 5,583 |
| Pretax return on assets | 0.3168% | 5,476 |
| Return on Equity (ROE) | 2.9389% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.4539% | 3,667 |
| Net charge-offs to loans | 0.6792% | 1,811 |
| Credit loss provision to net charge-offs | 237.4974% | 1,990 |
| Earnings coverage of net charge-offs (x) | 1.8543% | 5,144 |
| Efficiency ratio | 76.9050% | 3,095 |
| Assets per employee ($millions) | 3.7145% | 4,142 |
| Cash dividends to net income (ytd only)* | 16.5058% | 4,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,852 |
| Loan loss allowance to noncurrent loans | 67.1077% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.4953% | 1,947 |
| Noncurrent loans to loans | 2.1853% | 2,527 |
| Net loans and leases to total assets | 75.0925% | 2,860 |
| Net loans and leases to deposits | 99.5631% | 1,893 |
| Net loans and leases to core deposits | 112.7649% | 3,479 |
| Total domestic deposits to total assets | 75.4220% | 6,359 |
| Equity capital to assets | 7.4873% | 7,391 |
| Core capital (leverage) ratio | 7.1174% | 7,600 |
| Tier 1 risk-based capital ratio | 9.1943% | 7,622 |
| Total risk-based capital ratio | 10.4647% | 7,546 |
| Memoranda: | ||
| Average total assets | $903,862,000 | 733 |
| Average earning assets | $779,967,400 | 791 |
| Average equity | $70,501,400 | 942 |
| Average total loans | $709,478,000 | 672 |