Home > Heartland Community Bank > Performance and Condition Ratios
Heartland Community Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,771 |
| Cost of funding earning assets | 0.7407% | 3,679 |
| Net interest margin | 3.9958% | 2,525 |
| Noninterest income to average assets | 1.0197% | 1,405 |
| Noninterest expense to average assets | 3.5673% | 1,646 |
| Loan and lease loss provision to assets | 0.0495% | 5,054 |
| Net operating income to assets | 1.0659% | 2,179 |
| Return on assets (ROA) | 1.0659% | 2,408 |
| Pretax return on assets | 1.1055% | 3,286 |
| Return on Equity (ROE) | 16.3918% | 712 |
| Retained earnings to average equity (ytd only) | 14.2096% | 331 |
| Net charge-offs to loans | -0.0336% | 6,562 |
| Credit loss provision to net charge-offs | -250.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5416% | 2,820 |
| Assets per employee ($millions) | 2.4932% | 6,773 |
| Cash dividends to net income (ytd only)* | 13.3127% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 6,735 |
| Loan loss allowance to noncurrent loans | 245.2991% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,322 |
| Noncurrent loans to loans | 0.3127% | 5,924 |
| Net loans and leases to total assets | 59.5755% | 3,903 |
| Net loans and leases to deposits | 67.9165% | 4,218 |
| Net loans and leases to core deposits | 68.9249% | 4,678 |
| Total domestic deposits to total assets | 87.7188% | 2,328 |
| Equity capital to assets | 6.7350% | 6,950 |
| Core capital (leverage) ratio | 6.7172% | 6,883 |
| Tier 1 risk-based capital ratio | 9.6218% | 6,904 |
| Total risk-based capital ratio | 10.2796% | 6,981 |
| Memoranda: | ||
| Average total assets | $60,605,670 | 6,013 |
| Average earning assets | $56,159,330 | 5,963 |
| Average equity | $3,941,000 | 6,700 |
| Average total loans | $35,713,330 | 5,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 2,873 |
| Cost of funding earning assets | 0.7675% | 3,717 |
| Net interest margin | 3.9748% | 2,611 |
| Noninterest income to average assets | 1.0980% | 1,179 |
| Noninterest expense to average assets | 3.3075% | 2,262 |
| Loan and lease loss provision to assets | 0.1004% | 4,087 |
| Net operating income to assets | 1.3257% | 1,383 |
| Return on assets (ROA) | 1.3257% | 1,548 |
| Pretax return on assets | 1.3659% | 2,307 |
| Return on Equity (ROE) | 20.7738% | 331 |
| Retained earnings to average equity (ytd only) | 20.0393% | 189 |
| Net charge-offs to loans | -0.0574% | 6,582 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2847% | 3,934 |
| Assets per employee ($millions) | 2.5247% | 6,828 |
| Cash dividends to net income (ytd only)* | 3.5354% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 6,732 |
| Loan loss allowance to noncurrent loans | 893.7500% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,768 |
| Noncurrent loans to loans | 0.0899% | 6,536 |
| Net loans and leases to total assets | 55.9168% | 4,402 |
| Net loans and leases to deposits | 63.5040% | 4,707 |
| Net loans and leases to core deposits | 64.4315% | 5,062 |
| Total domestic deposits to total assets | 88.0523% | 2,284 |
| Equity capital to assets | 6.5085% | 7,010 |
| Core capital (leverage) ratio | 6.8575% | 6,892 |
| Tier 1 risk-based capital ratio | 9.7192% | 6,932 |
| Total risk-based capital ratio | 10.3958% | 7,016 |
| Memoranda: | ||
| Average total assets | $59,743,000 | 6,074 |
| Average earning assets | $55,247,500 | 6,022 |
| Average equity | $3,812,500 | 6,773 |
| Average total loans | $34,859,500 | 5,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 2,471 |
| Cost of funding earning assets | 0.9592% | 3,653 |
| Net interest margin | 4.1365% | 2,280 |
| Noninterest income to average assets | 1.0166% | 1,319 |
| Noninterest expense to average assets | 3.7215% | 1,497 |
| Loan and lease loss provision to assets | 0.2185% | 4,004 |
| Net operating income to assets | 0.8758% | 2,715 |
| Return on assets (ROA) | 0.8758% | 2,851 |
| Pretax return on assets | 0.8920% | 3,632 |
| Return on Equity (ROE) | 13.7596% | 993 |
| Retained earnings to average equity (ytd only) | 2.2980% | 4,581 |
| Net charge-offs to loans | 0.1927% | 4,598 |
| Credit loss provision to net charge-offs | 189.0625% | 1,356 |
| Earnings coverage of net charge-offs (x) | 9.6094% | 1,956 |
| Efficiency ratio | 77.0179% | 2,744 |
| Assets per employee ($millions) | 2.3487% | 6,967 |
| Cash dividends to net income (ytd only)* | 83.2990% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 6,784 |
| Loan loss allowance to noncurrent loans | 578.2609% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 6,622 |
| Noncurrent loans to loans | 0.1347% | 6,472 |
| Net loans and leases to total assets | 60.0933% | 3,973 |
| Net loans and leases to deposits | 68.5445% | 4,358 |
| Net loans and leases to core deposits | 69.6724% | 4,825 |
| Total domestic deposits to total assets | 87.6705% | 2,357 |
| Equity capital to assets | 6.2392% | 7,068 |
| Core capital (leverage) ratio | 6.2354% | 7,020 |
| Tier 1 risk-based capital ratio | 9.0696% | 7,026 |
| Total risk-based capital ratio | 9.7555% | 7,084 |
| Memoranda: | ||
| Average total assets | $55,380,800 | 6,189 |
| Average earning assets | $51,082,200 | 6,156 |
| Average equity | $3,524,800 | 6,873 |
| Average total loans | $33,203,800 | 6,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 2,729 |
| Cost of funding earning assets | 0.9969% | 3,692 |
| Net interest margin | 4.0796% | 2,555 |
| Noninterest income to average assets | 0.8609% | 1,798 |
| Noninterest expense to average assets | 3.7073% | 1,483 |
| Loan and lease loss provision to assets | 0.2878% | 3,213 |
| Net operating income to assets | 0.6239% | 3,995 |
| Return on assets (ROA) | 0.6239% | 4,169 |
| Pretax return on assets | 0.6263% | 4,723 |
| Return on Equity (ROE) | 9.7537% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.2246% | 1,065 |
| Net charge-offs to loans | 0.1092% | 4,910 |
| Credit loss provision to net charge-offs | 440.7407% | 632 |
| Earnings coverage of net charge-offs (x) | 13.9997% | 1,564 |
| Efficiency ratio | 80.2198% | 2,228 |
| Assets per employee ($millions) | 2.3375% | 7,045 |
| Cash dividends to net income (ytd only)* | 5.4275% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 6,657 |
| Loan loss allowance to noncurrent loans | 179.1667% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 5,484 |
| Noncurrent loans to loans | 0.4916% | 5,866 |
| Net loans and leases to total assets | 60.3772% | 4,064 |
| Net loans and leases to deposits | 71.1098% | 4,123 |
| Net loans and leases to core deposits | 72.3245% | 4,673 |
| Total domestic deposits to total assets | 84.9070% | 3,811 |
| Equity capital to assets | 6.5598% | 7,129 |
| Core capital (leverage) ratio | 6.5395% | 7,066 |
| Tier 1 risk-based capital ratio | 10.0022% | 6,955 |
| Total risk-based capital ratio | 10.8203% | 7,042 |
| Memoranda: | ||
| Average total assets | $55,133,750 | 6,240 |
| Average earning assets | $50,820,250 | 6,209 |
| Average equity | $3,526,750 | 6,929 |
| Average total loans | $32,969,750 | 6,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 3,006 |
| Cost of funding earning assets | 1.0427% | 3,652 |
| Net interest margin | 3.9885% | 2,896 |
| Noninterest income to average assets | 0.8100% | 1,971 |
| Noninterest expense to average assets | 3.5613% | 1,834 |
| Loan and lease loss provision to assets | 0.4233% | 2,317 |
| Net operating income to assets | 0.4962% | 4,517 |
| Return on assets (ROA) | 0.4962% | 4,661 |
| Pretax return on assets | 0.4962% | 5,085 |
| Return on Equity (ROE) | 7.8258% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.4230% | 1,689 |
| Net charge-offs to loans | 0.0737% | 4,907 |
| Credit loss provision to net charge-offs | 966.6667% | 340 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,169 |
| Efficiency ratio | 79.4788% | 2,468 |
| Assets per employee ($millions) | 2.4341% | 6,989 |
| Cash dividends to net income (ytd only)* | 5.1471% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,521 |
| Loan loss allowance to noncurrent loans | 168.2796% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 6,294 |
| Noncurrent loans to loans | 0.5631% | 5,793 |
| Net loans and leases to total assets | 58.4453% | 4,555 |
| Net loans and leases to deposits | 68.8668% | 4,581 |
| Net loans and leases to core deposits | 70.0462% | 5,070 |
| Total domestic deposits to total assets | 84.8671% | 3,937 |
| Equity capital to assets | 6.3679% | 7,204 |
| Core capital (leverage) ratio | 6.2941% | 7,158 |
| Tier 1 risk-based capital ratio | 10.0732% | 6,954 |
| Total risk-based capital ratio | 10.9576% | 7,056 |
| Memoranda: | ||
| Average total assets | $54,812,000 | 6,305 |
| Average earning assets | $50,445,330 | 6,274 |
| Average equity | $3,475,670 | 6,987 |
| Average total loans | $32,569,000 | 6,158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 3,109 |
| Cost of funding earning assets | 1.1269% | 3,314 |
| Net interest margin | 3.8717% | 3,291 |
| Noninterest income to average assets | 0.7450% | 2,283 |
| Noninterest expense to average assets | 3.5112% | 1,975 |
| Loan and lease loss provision to assets | 0.8557% | 960 |
| Net operating income to assets | -0.0738% | 6,431 |
| Return on assets (ROA) | -0.0738% | 6,451 |
| Pretax return on assets | -0.0738% | 6,430 |
| Return on Equity (ROE) | -1.1658% | 6,506 |
| Retained earnings to average equity (ytd only) | -1.1658% | 6,020 |
| Net charge-offs to loans | 0.0990% | 3,958 |
| Credit loss provision to net charge-offs | 1,450.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,451 |
| Efficiency ratio | 81.7869% | 2,260 |
| Assets per employee ($millions) | 2.5518% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,490 |
| Loan loss allowance to noncurrent loans | 92.1512% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 5,746 |
| Noncurrent loans to loans | 1.0532% | 4,949 |
| Net loans and leases to total assets | 57.6177% | 4,702 |
| Net loans and leases to deposits | 66.6474% | 4,884 |
| Net loans and leases to core deposits | 67.7644% | 5,323 |
| Total domestic deposits to total assets | 86.4515% | 3,264 |
| Equity capital to assets | 6.1027% | 7,270 |
| Core capital (leverage) ratio | 6.1038% | 7,234 |
| Tier 1 risk-based capital ratio | 9.7421% | 7,079 |
| Total risk-based capital ratio | 10.6435% | 7,170 |
| Memoranda: | ||
| Average total assets | $54,226,000 | 6,366 |
| Average earning assets | $49,694,500 | 6,349 |
| Average equity | $3,431,000 | 7,032 |
| Average total loans | $32,337,000 | 6,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 2,380 |
| Cost of funding earning assets | 1.3220% | 3,738 |
| Net interest margin | 4.1523% | 2,358 |
| Noninterest income to average assets | 0.9354% | 1,723 |
| Noninterest expense to average assets | 3.6682% | 1,775 |
| Loan and lease loss provision to assets | 0.5715% | 2,844 |
| Net operating income to assets | 0.4469% | 4,327 |
| Return on assets (ROA) | 0.4469% | 4,492 |
| Pretax return on assets | 0.4845% | 4,674 |
| Return on Equity (ROE) | 6.4092% | 3,392 |
| Retained earnings to average equity (ytd only) | -0.1418% | 5,629 |
| Net charge-offs to loans | 1.1282% | 1,974 |
| Credit loss provision to net charge-offs | 81.6384% | 5,500 |
| Earnings coverage of net charge-offs (x) | 1.5085% | 4,623 |
| Efficiency ratio | 77.6476% | 2,770 |
| Assets per employee ($millions) | 2.4911% | 7,024 |
| Cash dividends to net income (ytd only)* | 102.2124% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 7,199 |
| Loan loss allowance to noncurrent loans | 88.5593% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,157 |
| Noncurrent loans to loans | 0.7372% | 5,574 |
| Net loans and leases to total assets | 60.7918% | 4,527 |
| Net loans and leases to deposits | 71.4443% | 4,619 |
| Net loans and leases to core deposits | 72.7518% | 5,131 |
| Total domestic deposits to total assets | 85.0897% | 3,802 |
| Equity capital to assets | 6.5682% | 7,243 |
| Core capital (leverage) ratio | 6.5308% | 7,188 |
| Tier 1 risk-based capital ratio | 10.3360% | 6,800 |
| Total risk-based capital ratio | 10.9617% | 7,081 |
| Memoranda: | ||
| Average total assets | $50,569,200 | 6,511 |
| Average earning assets | $46,143,400 | 6,506 |
| Average equity | $3,526,200 | 7,130 |
| Average total loans | $31,376,800 | 6,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5506% | 2,253 |
| Cost of funding earning assets | 1.3468% | 3,922 |
| Net interest margin | 4.2038% | 2,199 |
| Noninterest income to average assets | 0.9122% | 1,754 |
| Noninterest expense to average assets | 3.6994% | 1,567 |
| Loan and lease loss provision to assets | 0.0133% | 6,902 |
| Net operating income to assets | 1.0026% | 2,229 |
| Return on assets (ROA) | 1.0026% | 2,347 |
| Pretax return on assets | 1.0345% | 3,055 |
| Return on Equity (ROE) | 14.1641% | 994 |
| Retained earnings to average equity (ytd only) | 5.4853% | 2,660 |
| Net charge-offs to loans | 0.2434% | 4,481 |
| Credit loss provision to net charge-offs | 8.7719% | 6,340 |
| Earnings coverage of net charge-offs (x) | 6.9121% | 2,426 |
| Efficiency ratio | 77.9272% | 2,634 |
| Assets per employee ($millions) | 2.4490% | 7,133 |
| Cash dividends to net income (ytd only)* | 61.2733% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 7,212 |
| Loan loss allowance to noncurrent loans | 106.2201% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 6,406 |
| Noncurrent loans to loans | 0.6469% | 5,913 |
| Net loans and leases to total assets | 62.3901% | 4,450 |
| Net loans and leases to deposits | 74.5164% | 4,429 |
| Net loans and leases to core deposits | 75.9270% | 5,067 |
| Total domestic deposits to total assets | 83.7268% | 4,259 |
| Equity capital to assets | 6.9748% | 7,350 |
| Core capital (leverage) ratio | 6.9917% | 7,171 |
| Tier 1 risk-based capital ratio | 10.7402% | 6,603 |
| Total risk-based capital ratio | 11.4049% | 6,964 |
| Memoranda: | ||
| Average total assets | $50,133,250 | 6,602 |
| Average earning assets | $45,735,500 | 6,600 |
| Average equity | $3,548,750 | 7,213 |
| Average total loans | $31,218,250 | 6,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 2,321 |
| Cost of funding earning assets | 1.3816% | 3,999 |
| Net interest margin | 4.1713% | 2,257 |
| Noninterest income to average assets | 0.8813% | 1,756 |
| Noninterest expense to average assets | 3.8268% | 1,312 |
| Loan and lease loss provision to assets | 0.0040% | 6,840 |
| Net operating income to assets | 0.8249% | 2,849 |
| Return on assets (ROA) | 0.8249% | 2,999 |
| Pretax return on assets | 0.8531% | 3,692 |
| Return on Equity (ROE) | 11.5950% | 1,563 |
| Retained earnings to average equity (ytd only) | 10.8032% | 693 |
| Net charge-offs to loans | 0.2722% | 3,980 |
| Credit loss provision to net charge-offs | 2.3810% | 5,993 |
| Earnings coverage of net charge-offs (x) | 5.0714% | 2,757 |
| Efficiency ratio | 81.7010% | 2,210 |
| Assets per employee ($millions) | 2.2375% | 7,407 |
| Cash dividends to net income (ytd only)* | 6.8293% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 7,164 |
| Loan loss allowance to noncurrent loans | 106.8807% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 6,377 |
| Noncurrent loans to loans | 0.6961% | 5,854 |
| Net loans and leases to total assets | 60.4057% | 4,987 |
| Net loans and leases to deposits | 72.0501% | 4,987 |
| Net loans and leases to core deposits | 73.4113% | 5,510 |
| Total domestic deposits to total assets | 83.8386% | 4,182 |
| Equity capital to assets | 7.0576% | 7,324 |
| Core capital (leverage) ratio | 7.0502% | 7,157 |
| Tier 1 risk-based capital ratio | 10.7044% | 6,527 |
| Total risk-based capital ratio | 11.3911% | 6,915 |
| Memoranda: | ||
| Average total assets | $49,701,670 | 6,659 |
| Average earning assets | $45,310,000 | 6,656 |
| Average equity | $3,536,000 | 7,258 |
| Average total loans | $30,855,000 | 6,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 2,302 |
| Cost of funding earning assets | 1.4322% | 3,974 |
| Net interest margin | 4.1345% | 2,302 |
| Noninterest income to average assets | 0.8521% | 1,805 |
| Noninterest expense to average assets | 3.8098% | 1,316 |
| Loan and lease loss provision to assets | 0.0082% | 6,516 |
| Net operating income to assets | 0.7702% | 3,107 |
| Return on assets (ROA) | 0.7702% | 3,223 |
| Pretax return on assets | 0.7947% | 3,889 |
| Return on Equity (ROE) | 10.7798% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.7798% | 969 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5933% | 2,196 |
| Assets per employee ($millions) | 2.2016% | 7,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,833 |
| Loan loss allowance to noncurrent loans | 98.2143% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 6,125 |
| Noncurrent loans to loans | 0.9181% | 5,481 |
| Net loans and leases to total assets | 59.6836% | 5,175 |
| Net loans and leases to deposits | 70.7146% | 5,239 |
| Net loans and leases to core deposits | 72.0635% | 5,703 |
| Total domestic deposits to total assets | 84.4007% | 3,951 |
| Equity capital to assets | 6.9811% | 7,382 |
| Core capital (leverage) ratio | 7.1772% | 7,122 |
| Tier 1 risk-based capital ratio | 10.7542% | 6,387 |
| Total risk-based capital ratio | 11.5908% | 6,770 |
| Memoranda: | ||
| Average total assets | $48,821,500 | 6,772 |
| Average earning assets | $44,407,000 | 6,761 |
| Average equity | $3,488,000 | 7,348 |
| Average total loans | $30,623,000 | 6,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9540% | 2,041 |
| Cost of funding earning assets | 1.7979% | 4,004 |
| Net interest margin | 4.1561% | 2,221 |
| Noninterest income to average assets | 0.8247% | 2,286 |
| Noninterest expense to average assets | 3.8705% | 1,555 |
| Loan and lease loss provision to assets | 0.3105% | 4,963 |
| Net operating income to assets | 0.4093% | 4,092 |
| Return on assets (ROA) | 0.4093% | 4,201 |
| Pretax return on assets | 0.4278% | 4,406 |
| Return on Equity (ROE) | 5.8855% | 3,260 |
| Retained earnings to average equity (ytd only) | 1.5675% | 3,979 |
| Net charge-offs to loans | 0.6605% | 3,205 |
| Credit loss provision to net charge-offs | 71.5640% | 6,460 |
| Earnings coverage of net charge-offs (x) | 1.7014% | 4,461 |
| Efficiency ratio | 83.9804% | 2,352 |
| Assets per employee ($millions) | 2.1366% | 7,626 |
| Cash dividends to net income (ytd only)* | 73.3668% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,853 |
| Loan loss allowance to noncurrent loans | 127.4419% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 6,312 |
| Noncurrent loans to loans | 0.6992% | 5,839 |
| Net loans and leases to total assets | 64.8321% | 4,407 |
| Net loans and leases to deposits | 77.6928% | 4,440 |
| Net loans and leases to core deposits | 85.0331% | 5,615 |
| Total domestic deposits to total assets | 83.4468% | 4,306 |
| Equity capital to assets | 7.3203% | 7,182 |
| Core capital (leverage) ratio | 7.2157% | 7,054 |
| Tier 1 risk-based capital ratio | 10.7243% | 6,181 |
| Total risk-based capital ratio | 11.5783% | 6,532 |
| Memoranda: | ||
| Average total assets | $48,624,800 | 6,764 |
| Average earning assets | $44,272,800 | 6,751 |
| Average equity | $3,381,200 | 7,480 |
| Average total loans | $31,947,800 | 6,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9570% | 2,207 |
| Cost of funding earning assets | 1.8813% | 3,978 |
| Net interest margin | 4.0757% | 2,493 |
| Noninterest income to average assets | 0.7968% | 2,443 |
| Noninterest expense to average assets | 3.7691% | 1,658 |
| Loan and lease loss provision to assets | 0.4079% | 3,877 |
| Net operating income to assets | 0.3046% | 4,775 |
| Return on assets (ROA) | 0.3046% | 4,881 |
| Pretax return on assets | 0.3372% | 4,961 |
| Return on Equity (ROE) | 4.4361% | 4,192 |
| Retained earnings to average equity (ytd only) | -0.5148% | 5,351 |
| Net charge-offs to loans | 1.0337% | 1,909 |
| Credit loss provision to net charge-offs | 60.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | 1.0960% | 4,967 |
| Efficiency ratio | 83.4940% | 2,353 |
| Assets per employee ($millions) | 2.0734% | 7,737 |
| Cash dividends to net income (ytd only)* | 111.6052% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 7,263 |
| Loan loss allowance to noncurrent loans | 40.5546% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 4,653 |
| Noncurrent loans to loans | 1.8495% | 3,844 |
| Net loans and leases to total assets | 64.9269% | 4,669 |
| Net loans and leases to deposits | 79.3333% | 4,503 |
| Net loans and leases to core deposits | 88.2791% | 5,613 |
| Total domestic deposits to total assets | 81.8407% | 4,746 |
| Equity capital to assets | 7.0771% | 7,559 |
| Core capital (leverage) ratio | 6.8634% | 7,512 |
| Tier 1 risk-based capital ratio | 10.3601% | 6,614 |
| Total risk-based capital ratio | 11.0784% | 7,078 |
| Memoranda: | ||
| Average total assets | $49,029,500 | 6,803 |
| Average earning assets | $44,719,250 | 6,785 |
| Average equity | $3,366,250 | 7,551 |
| Average total loans | $32,247,500 | 6,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0093% | 2,146 |
| Cost of funding earning assets | 1.9395% | 4,065 |
| Net interest margin | 4.0698% | 2,436 |
| Noninterest income to average assets | 0.8004% | 2,406 |
| Noninterest expense to average assets | 3.7311% | 1,777 |
| Loan and lease loss provision to assets | 0.4568% | 3,243 |
| Net operating income to assets | 0.2870% | 4,959 |
| Return on assets (ROA) | 0.2870% | 5,058 |
| Pretax return on assets | 0.3193% | 5,164 |
| Return on Equity (ROE) | 4.2220% | 4,410 |
| Retained earnings to average equity (ytd only) | -1.1298% | 5,519 |
| Net charge-offs to loans | 0.2761% | 3,817 |
| Credit loss provision to net charge-offs | 251.1111% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,156 |
| Efficiency ratio | 82.7803% | 2,629 |
| Assets per employee ($millions) | 2.1366% | 7,745 |
| Cash dividends to net income (ytd only)* | 126.7606% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,373 |
| Loan loss allowance to noncurrent loans | 71.4032% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 4,432 |
| Noncurrent loans to loans | 1.7986% | 3,802 |
| Net loans and leases to total assets | 62.8803% | 5,202 |
| Net loans and leases to deposits | 77.8965% | 4,891 |
| Net loans and leases to core deposits | 85.6953% | 5,935 |
| Total domestic deposits to total assets | 80.7228% | 5,181 |
| Equity capital to assets | 6.8558% | 7,683 |
| Core capital (leverage) ratio | 6.7768% | 7,675 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,835 |
| Total risk-based capital ratio | 11.2911% | 6,798 |
| Memoranda: | ||
| Average total assets | $49,476,330 | 6,854 |
| Average earning assets | $45,063,330 | 6,836 |
| Average equity | $3,363,330 | 7,612 |
| Average total loans | $32,597,670 | 6,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,659 |
| Cost of funding earning assets | 1.9809% | 4,233 |
| Net interest margin | 4.1995% | 1,903 |
| Noninterest income to average assets | 0.7816% | 2,422 |
| Noninterest expense to average assets | 3.9159% | 1,286 |
| Loan and lease loss provision to assets | 0.9024% | 1,453 |
| Net operating income to assets | -0.2337% | 6,600 |
| Return on assets (ROA) | -0.2337% | 6,677 |
| Pretax return on assets | -0.1934% | 6,567 |
| Return on Equity (ROE) | -3.4519% | 6,834 |
| Retained earnings to average equity (ytd only) | -10.1175% | 7,126 |
| Net charge-offs to loans | 0.4572% | 2,308 |
| Credit loss provision to net charge-offs | 294.7368% | 1,650 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,576 |
| Efficiency ratio | 84.6690% | 2,228 |
| Assets per employee ($millions) | 2.1428% | 7,770 |
| Cash dividends to net income (ytd only)* | -193.1034% | 8,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,454 |
| Loan loss allowance to noncurrent loans | 105.9740% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 5,014 |
| Noncurrent loans to loans | 1.1778% | 4,623 |
| Net loans and leases to total assets | 65.4986% | 4,706 |
| Net loans and leases to deposits | 82.2362% | 4,248 |
| Net loans and leases to core deposits | 90.2485% | 5,530 |
| Total domestic deposits to total assets | 79.6470% | 5,488 |
| Equity capital to assets | 6.7160% | 7,802 |
| Core capital (leverage) ratio | 6.6078% | 7,833 |
| Tier 1 risk-based capital ratio | 9.6170% | 7,324 |
| Total risk-based capital ratio | 10.8053% | 7,323 |
| Memoranda: | ||
| Average total assets | $49,644,000 | 6,885 |
| Average earning assets | $45,434,500 | 6,862 |
| Average equity | $3,360,500 | 7,669 |
| Average total loans | $33,245,500 | 6,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6895% | 2,068 |
| Cost of funding earning assets | 2.4916% | 4,251 |
| Net interest margin | 4.1979% | 2,317 |
| Noninterest income to average assets | 0.9313% | 1,850 |
| Noninterest expense to average assets | 3.9140% | 1,538 |
| Loan and lease loss provision to assets | 0.0295% | 7,033 |
| Net operating income to assets | 0.7800% | 3,524 |
| Return on assets (ROA) | 0.7800% | 3,366 |
| Pretax return on assets | 0.8115% | 4,029 |
| Return on Equity (ROE) | 11.3741% | 1,798 |
| Retained earnings to average equity (ytd only) | -3.6672% | 6,259 |
| Net charge-offs to loans | 0.2393% | 3,857 |
| Credit loss provision to net charge-offs | 18.9873% | 6,587 |
| Earnings coverage of net charge-offs (x) | 5.4177% | 3,654 |
| Efficiency ratio | 82.3140% | 2,265 |
| Assets per employee ($millions) | 2.1740% | 7,746 |
| Cash dividends to net income (ytd only)* | 132.2418% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,155 |
| Loan loss allowance to noncurrent loans | 148.4444% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,559 |
| Noncurrent loans to loans | 0.6656% | 5,371 |
| Net loans and leases to total assets | 66.9320% | 4,651 |
| Net loans and leases to deposits | 85.0391% | 4,248 |
| Net loans and leases to core deposits | 96.3302% | 5,224 |
| Total domestic deposits to total assets | 78.7073% | 5,481 |
| Equity capital to assets | 6.8216% | 7,816 |
| Core capital (leverage) ratio | 6.7168% | 7,854 |
| Tier 1 risk-based capital ratio | 9.5702% | 7,230 |
| Total risk-based capital ratio | 10.5140% | 7,490 |
| Memoranda: | ||
| Average total assets | $50,894,600 | 6,740 |
| Average earning assets | $46,356,400 | 6,751 |
| Average equity | $3,490,400 | 7,688 |
| Average total loans | $33,016,600 | 6,545 |