Home > Herget Bank > Performance and Condition Ratios
Herget 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 | 2.9551% | 6,094 |
| Cost of funding earning assets | 0.3125% | 4,657 |
| Net interest margin | 2.6426% | 6,019 |
| Noninterest income to average assets | 0.8126% | 1,819 |
| Noninterest expense to average assets | 2.7296% | 3,755 |
| Loan and lease loss provision to assets | 0.2082% | 1,207 |
| Net operating income to assets | 0.4103% | 5,190 |
| Return on assets (ROA) | 0.3407% | 5,472 |
| Pretax return on assets | 0.3458% | 5,611 |
| Return on Equity (ROE) | 3.2353% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.4101% | 4,517 |
| Net charge-offs to loans | 0.6045% | 658 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.4986% | 4,136 |
| Efficiency ratio | 81.3863% | 1,726 |
| Assets per employee ($millions) | 4.2171% | 3,511 |
| Cash dividends to net income (ytd only)* | 25.5048% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 1,871 |
| Loan loss allowance to noncurrent loans | 43.4853% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 1,526 |
| Noncurrent loans to loans | 3.8367% | 502 |
| Net loans and leases to total assets | 39.7890% | 5,757 |
| Net loans and leases to deposits | 44.8186% | 5,850 |
| Net loans and leases to core deposits | 49.5763% | 5,734 |
| Total domestic deposits to total assets | 88.7780% | 1,370 |
| Equity capital to assets | 10.6723% | 3,273 |
| Core capital (leverage) ratio | 10.0876% | 3,453 |
| Tier 1 risk-based capital ratio | 22.7498% | 1,114 |
| Total risk-based capital ratio | 24.0036% | 1,096 |
| Memoranda: | ||
| Average total assets | $276,158,400 | 2,312 |
| Average earning assets | $265,575,400 | 2,233 |
| Average equity | $29,085,600 | 2,337 |
| Average total loans | $114,144,400 | 3,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9660% | 6,163 |
| Cost of funding earning assets | 0.3184% | 4,690 |
| Net interest margin | 2.6476% | 6,077 |
| Noninterest income to average assets | 0.8446% | 1,726 |
| Noninterest expense to average assets | 2.7013% | 3,817 |
| Loan and lease loss provision to assets | 0.2056% | 1,143 |
| Net operating income to assets | 0.4756% | 4,971 |
| Return on assets (ROA) | 0.3836% | 5,386 |
| Pretax return on assets | 0.3904% | 5,600 |
| Return on Equity (ROE) | 3.6546% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.5485% | 4,772 |
| Net charge-offs to loans | 0.8382% | 394 |
| Credit loss provision to net charge-offs | 59.0278% | 2,949 |
| Earnings coverage of net charge-offs (x) | 1.9806% | 4,024 |
| Efficiency ratio | 79.6576% | 1,966 |
| Assets per employee ($millions) | 4.0384% | 3,797 |
| Cash dividends to net income (ytd only)* | 30.2645% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 2,818 |
| Loan loss allowance to noncurrent loans | 28.6195% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.3404% | 1,158 |
| Noncurrent loans to loans | 5.1741% | 334 |
| Net loans and leases to total assets | 41.1867% | 5,736 |
| Net loans and leases to deposits | 46.4294% | 5,846 |
| Net loans and leases to core deposits | 52.1496% | 5,676 |
| Total domestic deposits to total assets | 88.7083% | 1,397 |
| Equity capital to assets | 10.8009% | 3,181 |
| Core capital (leverage) ratio | 10.0117% | 3,665 |
| Tier 1 risk-based capital ratio | 22.6184% | 1,173 |
| Total risk-based capital ratio | 23.8699% | 1,153 |
| Memoranda: | ||
| Average total assets | $275,616,000 | 2,328 |
| Average earning assets | $265,087,000 | 2,249 |
| Average equity | $28,931,000 | 2,358 |
| Average total loans | $114,524,750 | 3,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9845% | 6,196 |
| Cost of funding earning assets | 0.3215% | 4,741 |
| Net interest margin | 2.6631% | 6,094 |
| Noninterest income to average assets | 0.8835% | 1,546 |
| Noninterest expense to average assets | 2.7063% | 3,838 |
| Loan and lease loss provision to assets | 0.1993% | 1,211 |
| Net operating income to assets | 0.5271% | 4,705 |
| Return on assets (ROA) | 0.5363% | 4,762 |
| Pretax return on assets | 0.5450% | 5,148 |
| Return on Equity (ROE) | 5.1590% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.4858% | 3,986 |
| Net charge-offs to loans | 0.5750% | 706 |
| Credit loss provision to net charge-offs | 83.5866% | 2,286 |
| Earnings coverage of net charge-offs (x) | 3.0821% | 3,393 |
| Efficiency ratio | 78.6436% | 2,211 |
| Assets per employee ($millions) | 3.6948% | 4,462 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,196 |
| Loan loss allowance to noncurrent loans | 33.1058% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.2951% | 1,305 |
| Noncurrent loans to loans | 5.0670% | 389 |
| Net loans and leases to total assets | 41.5896% | 5,703 |
| Net loans and leases to deposits | 46.9347% | 5,830 |
| Net loans and leases to core deposits | 52.7174% | 5,629 |
| Total domestic deposits to total assets | 88.6117% | 1,576 |
| Equity capital to assets | 10.8620% | 3,017 |
| Core capital (leverage) ratio | 9.9501% | 3,679 |
| Tier 1 risk-based capital ratio | 21.8577% | 1,281 |
| Total risk-based capital ratio | 23.1111% | 1,256 |
| Memoranda: | ||
| Average total assets | $275,952,000 | 2,326 |
| Average earning assets | $265,034,330 | 2,244 |
| Average equity | $28,688,000 | 2,366 |
| Average total loans | $114,432,330 | 3,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9923% | 6,248 |
| Cost of funding earning assets | 0.3300% | 4,735 |
| Net interest margin | 2.6623% | 6,154 |
| Noninterest income to average assets | 0.9451% | 1,272 |
| Noninterest expense to average assets | 2.8468% | 3,395 |
| Loan and lease loss provision to assets | 0.1804% | 1,333 |
| Net operating income to assets | 0.4704% | 4,835 |
| Return on assets (ROA) | 0.4704% | 4,913 |
| Pretax return on assets | 0.4790% | 5,231 |
| Return on Equity (ROE) | 4.6269% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.9237% | 4,339 |
| Net charge-offs to loans | 0.4182% | 871 |
| Credit loss provision to net charge-offs | 105.0420% | 1,591 |
| Earnings coverage of net charge-offs (x) | 3.8403% | 2,616 |
| Efficiency ratio | 81.1934% | 2,032 |
| Assets per employee ($millions) | 3.6422% | 4,641 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 2,141 |
| Loan loss allowance to noncurrent loans | 54.4662% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3749% | 2,570 |
| Noncurrent loans to loans | 3.2430% | 947 |
| Net loans and leases to total assets | 39.6603% | 5,829 |
| Net loans and leases to deposits | 44.4377% | 5,956 |
| Net loans and leases to core deposits | 50.2151% | 5,744 |
| Total domestic deposits to total assets | 89.2491% | 1,507 |
| Equity capital to assets | 10.2406% | 3,551 |
| Core capital (leverage) ratio | 10.0207% | 3,549 |
| Tier 1 risk-based capital ratio | 21.7830% | 1,325 |
| Total risk-based capital ratio | 23.0368% | 1,300 |
| Memoranda: | ||
| Average total assets | $277,222,000 | 2,319 |
| Average earning assets | $266,686,500 | 2,241 |
| Average equity | $28,183,000 | 2,391 |
| Average total loans | $113,823,000 | 3,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9155% | 6,415 |
| Cost of funding earning assets | 0.3986% | 4,672 |
| Net interest margin | 2.5169% | 6,360 |
| Noninterest income to average assets | 1.2527% | 887 |
| Noninterest expense to average assets | 2.9440% | 3,217 |
| Loan and lease loss provision to assets | 0.1354% | 2,616 |
| Net operating income to assets | 0.5941% | 4,290 |
| Return on assets (ROA) | 0.5831% | 4,456 |
| Pretax return on assets | 0.5921% | 4,894 |
| Return on Equity (ROE) | 5.5121% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.0185% | 3,332 |
| Net charge-offs to loans | 0.1961% | 2,895 |
| Credit loss provision to net charge-offs | 160.0000% | 1,430 |
| Earnings coverage of net charge-offs (x) | 8.7289% | 2,623 |
| Efficiency ratio | 79.9387% | 2,156 |
| Assets per employee ($millions) | 3.6052% | 4,667 |
| Cash dividends to net income (ytd only)* | 27.0968% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 2,259 |
| Loan loss allowance to noncurrent loans | 59.3099% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 2,836 |
| Noncurrent loans to loans | 2.9383% | 1,187 |
| Net loans and leases to total assets | 41.0319% | 5,891 |
| Net loans and leases to deposits | 45.9318% | 6,017 |
| Net loans and leases to core deposits | 51.9004% | 5,802 |
| Total domestic deposits to total assets | 89.3322% | 1,416 |
| Equity capital to assets | 10.0901% | 3,647 |
| Core capital (leverage) ratio | 9.9115% | 3,684 |
| Tier 1 risk-based capital ratio | 21.7869% | 1,295 |
| Total risk-based capital ratio | 23.0408% | 1,271 |
| Memoranda: | ||
| Average total assets | $265,829,200 | 2,387 |
| Average earning assets | $256,666,200 | 2,275 |
| Average equity | $28,119,800 | 2,371 |
| Average total loans | $114,763,800 | 3,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8722% | 6,513 |
| Cost of funding earning assets | 0.4079% | 4,760 |
| Net interest margin | 2.4644% | 6,459 |
| Noninterest income to average assets | 1.2818% | 896 |
| Noninterest expense to average assets | 2.9462% | 3,147 |
| Loan and lease loss provision to assets | 0.1516% | 2,373 |
| Net operating income to assets | 0.5549% | 4,559 |
| Return on assets (ROA) | 0.5439% | 4,750 |
| Pretax return on assets | 0.5519% | 5,201 |
| Return on Equity (ROE) | 5.0804% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.9473% | 3,879 |
| Net charge-offs to loans | 0.3065% | 2,005 |
| Credit loss provision to net charge-offs | 113.6364% | 2,070 |
| Earnings coverage of net charge-offs (x) | 5.3561% | 3,212 |
| Efficiency ratio | 80.4777% | 2,033 |
| Assets per employee ($millions) | 3.6311% | 4,598 |
| Cash dividends to net income (ytd only)* | 22.3047% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 2,875 |
| Loan loss allowance to noncurrent loans | 54.6582% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.3598% | 2,923 |
| Noncurrent loans to loans | 2.9884% | 1,350 |
| Net loans and leases to total assets | 41.9056% | 5,909 |
| Net loans and leases to deposits | 46.9412% | 6,042 |
| Net loans and leases to core deposits | 51.1428% | 5,939 |
| Total domestic deposits to total assets | 89.2725% | 1,423 |
| Equity capital to assets | 10.2501% | 3,576 |
| Core capital (leverage) ratio | 9.8742% | 3,857 |
| Tier 1 risk-based capital ratio | 21.3749% | 1,428 |
| Total risk-based capital ratio | 22.6282% | 1,394 |
| Memoranda: | ||
| Average total assets | $263,788,500 | 2,422 |
| Average earning assets | $254,661,750 | 2,296 |
| Average equity | $28,238,250 | 2,388 |
| Average total loans | $114,850,250 | 3,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8510% | 6,578 |
| Cost of funding earning assets | 0.4180% | 4,772 |
| Net interest margin | 2.4330% | 6,523 |
| Noninterest income to average assets | 1.2555% | 986 |
| Noninterest expense to average assets | 2.9623% | 3,116 |
| Loan and lease loss provision to assets | 0.1571% | 2,353 |
| Net operating income to assets | 0.4850% | 4,864 |
| Return on assets (ROA) | 0.4683% | 5,110 |
| Pretax return on assets | 0.4744% | 5,451 |
| Return on Equity (ROE) | 4.3110% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.4643% | 4,113 |
| Net charge-offs to loans | 0.4945% | 1,320 |
| Credit loss provision to net charge-offs | 72.4382% | 2,775 |
| Earnings coverage of net charge-offs (x) | 2.9894% | 3,535 |
| Efficiency ratio | 82.0420% | 1,884 |
| Assets per employee ($millions) | 3.5047% | 4,841 |
| Cash dividends to net income (ytd only)* | 19.6399% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 3,271 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5275% | 2,815 |
| Noncurrent loans to loans | 3.1398% | 1,401 |
| Net loans and leases to total assets | 42.4814% | 5,867 |
| Net loans and leases to deposits | 47.6708% | 6,003 |
| Net loans and leases to core deposits | 52.3276% | 5,866 |
| Total domestic deposits to total assets | 89.1142% | 1,559 |
| Equity capital to assets | 10.4259% | 3,392 |
| Core capital (leverage) ratio | 10.1535% | 3,291 |
| Tier 1 risk-based capital ratio | 21.5330% | 1,380 |
| Total risk-based capital ratio | 22.7853% | 1,349 |
| Memoranda: | ||
| Average total assets | $260,941,670 | 2,451 |
| Average earning assets | $252,609,000 | 2,327 |
| Average equity | $28,346,330 | 2,402 |
| Average total loans | $114,461,670 | 3,177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9112% | 6,599 |
| Cost of funding earning assets | 0.4345% | 4,763 |
| Net interest margin | 2.4766% | 6,534 |
| Noninterest income to average assets | 1.1385% | 1,154 |
| Noninterest expense to average assets | 2.9156% | 3,287 |
| Loan and lease loss provision to assets | 0.2385% | 1,526 |
| Net operating income to assets | 0.3721% | 5,252 |
| Return on assets (ROA) | 0.3631% | 5,429 |
| Pretax return on assets | 0.3693% | 5,649 |
| Return on Equity (ROE) | 3.2758% | 5,449 |
| Retained earnings to average equity (ytd only) | 1.6102% | 5,181 |
| Net charge-offs to loans | 0.1531% | 2,482 |
| Credit loss provision to net charge-offs | 352.2727% | 702 |
| Earnings coverage of net charge-offs (x) | 9.1136% | 1,880 |
| Efficiency ratio | 82.5348% | 1,958 |
| Assets per employee ($millions) | 3.6236% | 4,729 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,839 |
| Loan loss allowance to noncurrent loans | 59.1824% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 2,992 |
| Noncurrent loans to loans | 2.9405% | 1,708 |
| Net loans and leases to total assets | 42.6117% | 5,796 |
| Net loans and leases to deposits | 48.1308% | 5,917 |
| Net loans and leases to core deposits | 52.2383% | 5,803 |
| Total domestic deposits to total assets | 88.5332% | 1,981 |
| Equity capital to assets | 11.0502% | 2,904 |
| Core capital (leverage) ratio | 9.8281% | 3,629 |
| Tier 1 risk-based capital ratio | 20.8886% | 1,561 |
| Total risk-based capital ratio | 22.1422% | 1,534 |
| Memoranda: | ||
| Average total assets | $259,984,500 | 2,491 |
| Average earning assets | $251,307,500 | 2,359 |
| Average equity | $28,817,000 | 2,395 |
| Average total loans | $114,969,500 | 3,181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 6,596 |
| Cost of funding earning assets | 0.5391% | 4,915 |
| Net interest margin | 2.7498% | 6,450 |
| Noninterest income to average assets | 1.5014% | 700 |
| Noninterest expense to average assets | 2.9380% | 3,510 |
| Loan and lease loss provision to assets | 0.8964% | 500 |
| Net operating income to assets | 0.3018% | 5,465 |
| Return on assets (ROA) | 0.2846% | 5,731 |
| Pretax return on assets | 0.2899% | 5,836 |
| Return on Equity (ROE) | 2.6727% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.2427% | 4,661 |
| Net charge-offs to loans | 1.8328% | 435 |
| Credit loss provision to net charge-offs | 107.6500% | 2,747 |
| Earnings coverage of net charge-offs (x) | 1.4457% | 4,724 |
| Efficiency ratio | 70.9339% | 3,634 |
| Assets per employee ($millions) | 3.7010% | 4,561 |
| Cash dividends to net income (ytd only)* | 16.0858% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,361 |
| Loan loss allowance to noncurrent loans | 50.7785% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 2,885 |
| Noncurrent loans to loans | 3.1345% | 1,648 |
| Net loans and leases to total assets | 44.3654% | 5,786 |
| Net loans and leases to deposits | 50.2378% | 5,937 |
| Net loans and leases to core deposits | 54.7082% | 5,822 |
| Total domestic deposits to total assets | 88.3108% | 2,023 |
| Equity capital to assets | 11.1183% | 2,814 |
| Core capital (leverage) ratio | 9.9351% | 3,491 |
| Tier 1 risk-based capital ratio | 20.0744% | 1,652 |
| Total risk-based capital ratio | 21.3266% | 1,628 |
| Memoranda: | ||
| Average total assets | $262,155,400 | 2,414 |
| Average earning assets | $251,723,800 | 2,304 |
| Average equity | $27,912,200 | 2,399 |
| Average total loans | $119,107,000 | 3,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 6,675 |
| Cost of funding earning assets | 0.5564% | 5,031 |
| Net interest margin | 2.7981% | 6,502 |
| Noninterest income to average assets | 1.4503% | 714 |
| Noninterest expense to average assets | 2.9356% | 3,459 |
| Loan and lease loss provision to assets | 1.0776% | 364 |
| Net operating income to assets | 0.1137% | 6,103 |
| Return on assets (ROA) | 0.1065% | 6,259 |
| Pretax return on assets | 0.1121% | 6,254 |
| Return on Equity (ROE) | 1.0112% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.4334% | 5,965 |
| Net charge-offs to loans | 1.8203% | 429 |
| Credit loss provision to net charge-offs | 130.0490% | 2,219 |
| Earnings coverage of net charge-offs (x) | 1.4449% | 4,568 |
| Efficiency ratio | 71.0307% | 3,497 |
| Assets per employee ($millions) | 3.6098% | 4,736 |
| Cash dividends to net income (ytd only)* | 57.1449% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 2,675 |
| Loan loss allowance to noncurrent loans | 49.6024% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 2,719 |
| Noncurrent loans to loans | 3.7076% | 1,435 |
| Net loans and leases to total assets | 44.8308% | 5,887 |
| Net loans and leases to deposits | 50.6331% | 6,063 |
| Net loans and leases to core deposits | 55.0996% | 5,955 |
| Total domestic deposits to total assets | 88.5405% | 1,700 |
| Equity capital to assets | 11.0325% | 3,231 |
| Core capital (leverage) ratio | 9.7199% | 3,921 |
| Tier 1 risk-based capital ratio | 19.1138% | 1,975 |
| Total risk-based capital ratio | 20.3682% | 1,944 |
| Memoranda: | ||
| Average total assets | $262,927,000 | 2,429 |
| Average earning assets | $252,070,750 | 2,333 |
| Average equity | $27,689,250 | 2,442 |
| Average total loans | $119,684,750 | 3,118 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3986% | 6,726 |
| Cost of funding earning assets | 0.5762% | 5,106 |
| Net interest margin | 2.8224% | 6,540 |
| Noninterest income to average assets | 1.3253% | 809 |
| Noninterest expense to average assets | 2.9591% | 3,413 |
| Loan and lease loss provision to assets | 1.4852% | 244 |
| Net operating income to assets | -0.4160% | 6,695 |
| Return on assets (ROA) | -0.4243% | 6,743 |
| Pretax return on assets | -0.4213% | 6,709 |
| Return on Equity (ROE) | -4.0934% | 6,728 |
| Retained earnings to average equity (ytd only) | -4.9706% | 6,614 |
| Net charge-offs to loans | 2.2064% | 353 |
| Credit loss provision to net charge-offs | 148.0363% | 1,870 |
| Earnings coverage of net charge-offs (x) | 1.0687% | 4,487 |
| Efficiency ratio | 73.4023% | 3,172 |
| Assets per employee ($millions) | 3.4353% | 5,127 |
| Cash dividends to net income (ytd only)* | -21.4286% | 7,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 2,327 |
| Loan loss allowance to noncurrent loans | 44.0826% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 2,591 |
| Noncurrent loans to loans | 4.4577% | 1,193 |
| Net loans and leases to total assets | 45.6865% | 5,848 |
| Net loans and leases to deposits | 51.4656% | 6,062 |
| Net loans and leases to core deposits | 56.2458% | 5,921 |
| Total domestic deposits to total assets | 88.7709% | 1,660 |
| Equity capital to assets | 10.7570% | 3,385 |
| Core capital (leverage) ratio | 9.5434% | 4,087 |
| Tier 1 risk-based capital ratio | 18.3634% | 2,174 |
| Total risk-based capital ratio | 19.6191% | 2,136 |
| Memoranda: | ||
| Average total assets | $263,934,000 | 2,425 |
| Average earning assets | $253,042,670 | 2,328 |
| Average equity | $27,361,000 | 2,457 |
| Average total loans | $120,012,670 | 3,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3557% | 6,851 |
| Cost of funding earning assets | 0.5929% | 5,186 |
| Net interest margin | 2.7628% | 6,689 |
| Noninterest income to average assets | 1.1979% | 998 |
| Noninterest expense to average assets | 2.9971% | 3,260 |
| Loan and lease loss provision to assets | 1.9271% | 152 |
| Net operating income to assets | -1.0834% | 7,010 |
| Return on assets (ROA) | -1.0997% | 7,028 |
| Pretax return on assets | -1.0938% | 6,996 |
| Return on Equity (ROE) | -10.8007% | 7,004 |
| Retained earnings to average equity (ytd only) | -12.5546% | 6,911 |
| Net charge-offs to loans | 2.7222% | 286 |
| Credit loss provision to net charge-offs | 157.5426% | 1,609 |
| Earnings coverage of net charge-offs (x) | 0.6946% | 3,990 |
| Efficiency ratio | 77.9110% | 2,511 |
| Assets per employee ($millions) | 3.6520% | 4,758 |
| Cash dividends to net income (ytd only)* | -16.2382% | 7,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 3,038 |
| Loan loss allowance to noncurrent loans | 29.6926% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 2.7996% | 2,092 |
| Noncurrent loans to loans | 6.0146% | 837 |
| Net loans and leases to total assets | 44.0359% | 6,006 |
| Net loans and leases to deposits | 49.1899% | 6,205 |
| Net loans and leases to core deposits | 53.8340% | 6,071 |
| Total domestic deposits to total assets | 89.5223% | 1,361 |
| Equity capital to assets | 10.0355% | 4,082 |
| Core capital (leverage) ratio | 9.2807% | 4,394 |
| Tier 1 risk-based capital ratio | 17.9221% | 2,324 |
| Total risk-based capital ratio | 19.1761% | 2,290 |
| Memoranda: | ||
| Average total assets | $268,793,500 | 2,395 |
| Average earning assets | $257,711,500 | 2,301 |
| Average equity | $27,368,500 | 2,447 |
| Average total loans | $120,784,000 | 3,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 6,642 |
| Cost of funding earning assets | 0.7917% | 4,923 |
| Net interest margin | 3.0865% | 6,372 |
| Noninterest income to average assets | 1.2210% | 884 |
| Noninterest expense to average assets | 2.8897% | 3,999 |
| Loan and lease loss provision to assets | 0.4427% | 2,384 |
| Net operating income to assets | 0.8392% | 2,881 |
| Return on assets (ROA) | 0.8324% | 3,064 |
| Pretax return on assets | 0.8438% | 3,807 |
| Return on Equity (ROE) | 8.2791% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.5696% | 2,257 |
| Net charge-offs to loans | 1.0382% | 1,673 |
| Credit loss provision to net charge-offs | 88.8383% | 4,063 |
| Earnings coverage of net charge-offs (x) | 2.5953% | 3,919 |
| Efficiency ratio | 69.0819% | 4,135 |
| Assets per employee ($millions) | 3.6127% | 4,740 |
| Cash dividends to net income (ytd only)* | 32.7273% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,430 |
| Loan loss allowance to noncurrent loans | 25.3863% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5402% | 2,391 |
| Noncurrent loans to loans | 5.5359% | 949 |
| Net loans and leases to total assets | 44.4028% | 6,173 |
| Net loans and leases to deposits | 49.7961% | 6,375 |
| Net loans and leases to core deposits | 56.8769% | 6,088 |
| Total domestic deposits to total assets | 89.1691% | 1,440 |
| Equity capital to assets | 10.3300% | 3,742 |
| Core capital (leverage) ratio | 9.4857% | 4,049 |
| Tier 1 risk-based capital ratio | 18.4835% | 2,051 |
| Total risk-based capital ratio | 19.7072% | 2,025 |
| Memoranda: | ||
| Average total assets | $264,287,400 | 2,388 |
| Average earning assets | $253,623,200 | 2,279 |
| Average equity | $26,573,000 | 2,429 |
| Average total loans | $126,856,800 | 3,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 6,676 |
| Cost of funding earning assets | 0.8235% | 4,987 |
| Net interest margin | 3.1143% | 6,363 |
| Noninterest income to average assets | 1.1794% | 948 |
| Noninterest expense to average assets | 2.9517% | 3,738 |
| Loan and lease loss provision to assets | 0.3643% | 2,676 |
| Net operating income to assets | 0.8418% | 2,978 |
| Return on assets (ROA) | 0.8348% | 3,163 |
| Pretax return on assets | 0.8470% | 3,960 |
| Return on Equity (ROE) | 8.3609% | 2,892 |
| Retained earnings to average equity (ytd only) | 6.2327% | 2,412 |
| Net charge-offs to loans | 0.8085% | 1,944 |
| Credit loss provision to net charge-offs | 92.4262% | 3,688 |
| Earnings coverage of net charge-offs (x) | 3.0911% | 3,587 |
| Efficiency ratio | 70.7838% | 3,791 |
| Assets per employee ($millions) | 3.5328% | 4,919 |
| Cash dividends to net income (ytd only)* | 25.4547% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,416 |
| Loan loss allowance to noncurrent loans | 38.2302% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,366 |
| Noncurrent loans to loans | 3.7422% | 1,816 |
| Net loans and leases to total assets | 46.2850% | 6,119 |
| Net loans and leases to deposits | 51.9476% | 6,370 |
| Net loans and leases to core deposits | 58.7896% | 6,067 |
| Total domestic deposits to total assets | 89.0992% | 1,370 |
| Equity capital to assets | 10.4347% | 3,787 |
| Core capital (leverage) ratio | 9.5528% | 4,073 |
| Tier 1 risk-based capital ratio | 17.8521% | 2,309 |
| Total risk-based capital ratio | 19.1020% | 2,274 |
| Memoranda: | ||
| Average total assets | $263,525,000 | 2,407 |
| Average earning assets | $253,066,250 | 2,293 |
| Average equity | $26,312,250 | 2,452 |
| Average total loans | $128,471,750 | 3,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 6,775 |
| Cost of funding earning assets | 0.8444% | 5,106 |
| Net interest margin | 3.0789% | 6,450 |
| Noninterest income to average assets | 1.1793% | 922 |
| Noninterest expense to average assets | 2.9934% | 3,667 |
| Loan and lease loss provision to assets | 0.3764% | 2,537 |
| Net operating income to assets | 0.7585% | 3,252 |
| Return on assets (ROA) | 0.7793% | 3,286 |
| Pretax return on assets | 0.7915% | 4,060 |
| Return on Equity (ROE) | 7.9252% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.9973% | 1,878 |
| Net charge-offs to loans | 0.7934% | 1,918 |
| Credit loss provision to net charge-offs | 96.1165% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.9282% | 3,385 |
| Efficiency ratio | 72.3049% | 3,670 |
| Assets per employee ($millions) | 3.4254% | 5,135 |
| Cash dividends to net income (ytd only)* | 11.7073% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,449 |
| Loan loss allowance to noncurrent loans | 61.9891% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 4,478 |
| Noncurrent loans to loans | 2.3047% | 3,094 |
| Net loans and leases to total assets | 48.8782% | 5,964 |
| Net loans and leases to deposits | 55.6658% | 6,165 |
| Net loans and leases to core deposits | 62.7331% | 5,831 |
| Total domestic deposits to total assets | 87.8064% | 2,274 |
| Equity capital to assets | 10.5443% | 3,454 |
| Core capital (leverage) ratio | 9.6143% | 3,789 |
| Tier 1 risk-based capital ratio | 17.3435% | 2,397 |
| Total risk-based capital ratio | 18.5938% | 2,372 |
| Memoranda: | ||
| Average total assets | $263,045,670 | 2,430 |
| Average earning assets | $252,949,330 | 2,307 |
| Average equity | $25,867,000 | 2,479 |
| Average total loans | $129,823,000 | 3,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 6,906 |
| Cost of funding earning assets | 0.8643% | 5,176 |
| Net interest margin | 2.9719% | 6,628 |
| Noninterest income to average assets | 1.1935% | 902 |
| Noninterest expense to average assets | 2.9777% | 3,738 |
| Loan and lease loss provision to assets | 0.3382% | 2,534 |
| Net operating income to assets | 0.7299% | 3,379 |
| Return on assets (ROA) | 0.7756% | 3,211 |
| Pretax return on assets | 0.7876% | 3,948 |
| Return on Equity (ROE) | 8.1723% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.2718% | 2,479 |
| Net charge-offs to loans | 0.8913% | 1,483 |
| Credit loss provision to net charge-offs | 77.0548% | 3,213 |
| Earnings coverage of net charge-offs (x) | 2.4589% | 3,098 |
| Efficiency ratio | 73.3976% | 3,621 |
| Assets per employee ($millions) | 3.7184% | 4,497 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 4,721 |
| Loan loss allowance to noncurrent loans | 56.8860% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 4,516 |
| Noncurrent loans to loans | 2.4411% | 3,049 |
| Net loans and leases to total assets | 47.0007% | 6,192 |
| Net loans and leases to deposits | 52.8579% | 6,407 |
| Net loans and leases to core deposits | 59.1806% | 6,170 |
| Total domestic deposits to total assets | 88.9190% | 1,819 |
| Equity capital to assets | 9.5522% | 4,367 |
| Core capital (leverage) ratio | 9.2561% | 4,199 |
| Tier 1 risk-based capital ratio | 17.0815% | 2,445 |
| Total risk-based capital ratio | 18.3183% | 2,422 |
| Memoranda: | ||
| Average total assets | $266,115,500 | 2,421 |
| Average earning assets | $256,398,000 | 2,299 |
| Average equity | $25,256,000 | 2,517 |
| Average total loans | $131,039,000 | 3,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 6,804 |
| Cost of funding earning assets | 1.0512% | 5,428 |
| Net interest margin | 3.2392% | 6,168 |
| Noninterest income to average assets | 1.2683% | 919 |
| Noninterest expense to average assets | 3.0689% | 3,591 |
| Loan and lease loss provision to assets | 0.7529% | 2,178 |
| Net operating income to assets | 0.5213% | 3,997 |
| Return on assets (ROA) | 0.4612% | 4,433 |
| Pretax return on assets | 0.4681% | 4,731 |
| Return on Equity (ROE) | 4.9411% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.9411% | 2,448 |
| Net charge-offs to loans | 1.5541% | 1,409 |
| Credit loss provision to net charge-offs | 89.3521% | 5,153 |
| Earnings coverage of net charge-offs (x) | 1.5211% | 4,609 |
| Efficiency ratio | 70.5397% | 4,065 |
| Assets per employee ($millions) | 3.6233% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,666 |
| Loan loss allowance to noncurrent loans | 44.3560% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 3,826 |
| Noncurrent loans to loans | 3.0832% | 2,472 |
| Net loans and leases to total assets | 50.1442% | 6,154 |
| Net loans and leases to deposits | 56.3511% | 6,410 |
| Net loans and leases to core deposits | 63.4432% | 6,106 |
| Total domestic deposits to total assets | 88.9854% | 1,672 |
| Equity capital to assets | 9.4282% | 4,502 |
| Core capital (leverage) ratio | 8.8500% | 4,778 |
| Tier 1 risk-based capital ratio | 16.2823% | 2,621 |
| Total risk-based capital ratio | 17.5260% | 2,584 |
| Memoranda: | ||
| Average total assets | $261,915,800 | 2,434 |
| Average earning assets | $249,231,600 | 2,347 |
| Average equity | $24,448,000 | 2,614 |
| Average total loans | $142,007,200 | 2,904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 6,866 |
| Cost of funding earning assets | 1.0921% | 5,469 |
| Net interest margin | 3.2746% | 6,097 |
| Noninterest income to average assets | 1.2161% | 942 |
| Noninterest expense to average assets | 3.1333% | 3,178 |
| Loan and lease loss provision to assets | 0.8405% | 1,810 |
| Net operating income to assets | 0.3339% | 5,031 |
| Return on assets (ROA) | 0.2552% | 5,492 |
| Pretax return on assets | 0.2643% | 5,580 |
| Return on Equity (ROE) | 2.7405% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7405% | 4,512 |
| Net charge-offs to loans | 0.5995% | 2,942 |
| Credit loss provision to net charge-offs | 254.5595% | 1,311 |
| Earnings coverage of net charge-offs (x) | 3.5919% | 3,382 |
| Efficiency ratio | 72.5425% | 3,602 |
| Assets per employee ($millions) | 3.5443% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2240% | 1,753 |
| Loan loss allowance to noncurrent loans | 57.1269% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 3,108 |
| Noncurrent loans to loans | 3.8931% | 1,950 |
| Net loans and leases to total assets | 51.5274% | 6,155 |
| Net loans and leases to deposits | 57.6140% | 6,494 |
| Net loans and leases to core deposits | 63.1254% | 6,364 |
| Total domestic deposits to total assets | 89.4356% | 1,155 |
| Equity capital to assets | 9.5899% | 4,712 |
| Core capital (leverage) ratio | 8.7722% | 5,060 |
| Tier 1 risk-based capital ratio | 15.4802% | 3,008 |
| Total risk-based capital ratio | 16.7400% | 2,975 |
| Memoranda: | ||
| Average total assets | $261,269,000 | 2,474 |
| Average earning assets | $247,597,250 | 2,399 |
| Average equity | $24,325,500 | 2,671 |
| Average total loans | $143,891,000 | 2,911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 6,902 |
| Cost of funding earning assets | 1.1453% | 5,434 |
| Net interest margin | 3.2519% | 6,165 |
| Noninterest income to average assets | 1.1727% | 934 |
| Noninterest expense to average assets | 3.1571% | 3,064 |
| Loan and lease loss provision to assets | 0.9635% | 1,519 |
| Net operating income to assets | 0.0809% | 5,919 |
| Return on assets (ROA) | 0.0107% | 6,172 |
| Pretax return on assets | 0.0176% | 6,127 |
| Return on Equity (ROE) | 0.1164% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.1164% | 5,698 |
| Net charge-offs to loans | 0.5007% | 3,035 |
| Credit loss provision to net charge-offs | 344.3836% | 1,060 |
| Earnings coverage of net charge-offs (x) | 3.8986% | 3,132 |
| Efficiency ratio | 74.3233% | 3,407 |
| Assets per employee ($millions) | 3.3754% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 1,984 |
| Loan loss allowance to noncurrent loans | 53.3549% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 2.3432% | 3,086 |
| Noncurrent loans to loans | 3.9147% | 1,946 |
| Net loans and leases to total assets | 54.9216% | 5,854 |
| Net loans and leases to deposits | 61.8590% | 6,247 |
| Net loans and leases to core deposits | 68.7953% | 5,986 |
| Total domestic deposits to total assets | 88.7852% | 1,553 |
| Equity capital to assets | 9.6288% | 4,501 |
| Core capital (leverage) ratio | 8.7167% | 5,049 |
| Tier 1 risk-based capital ratio | 14.8361% | 3,245 |
| Total risk-based capital ratio | 16.0944% | 3,215 |
| Memoranda: | ||
| Average total assets | $260,933,330 | 2,498 |
| Average earning assets | $246,746,670 | 2,425 |
| Average equity | $24,050,000 | 2,691 |
| Average total loans | $145,782,000 | 2,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 7,023 |
| Cost of funding earning assets | 1.2159% | 5,307 |
| Net interest margin | 3.1661% | 6,399 |
| Noninterest income to average assets | 1.0180% | 1,240 |
| Noninterest expense to average assets | 3.1448% | 3,081 |
| Loan and lease loss provision to assets | 1.6117% | 717 |
| Net operating income to assets | -0.7537% | 6,990 |
| Return on assets (ROA) | -0.8866% | 7,081 |
| Pretax return on assets | -0.8821% | 6,995 |
| Return on Equity (ROE) | -9.8296% | 7,134 |
| Retained earnings to average equity (ytd only) | -9.8296% | 6,957 |
| Net charge-offs to loans | 0.3494% | 3,011 |
| Credit loss provision to net charge-offs | 827.1318% | 555 |
| Earnings coverage of net charge-offs (x) | 4.4264% | 2,628 |
| Efficiency ratio | 78.4772% | 2,820 |
| Assets per employee ($millions) | 3.5865% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 2,021 |
| Loan loss allowance to noncurrent loans | 72.8592% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.1575% | 3,323 |
| Noncurrent loans to loans | 2.8398% | 2,831 |
| Net loans and leases to total assets | 53.7151% | 6,061 |
| Net loans and leases to deposits | 59.9997% | 6,471 |
| Net loans and leases to core deposits | 67.3285% | 6,175 |
| Total domestic deposits to total assets | 89.5256% | 1,228 |
| Equity capital to assets | 8.9570% | 5,343 |
| Core capital (leverage) ratio | 8.4644% | 5,436 |
| Tier 1 risk-based capital ratio | 14.0376% | 3,630 |
| Total risk-based capital ratio | 15.2956% | 3,590 |
| Memoranda: | ||
| Average total assets | $264,821,500 | 2,517 |
| Average earning assets | $250,025,500 | 2,447 |
| Average equity | $23,887,000 | 2,727 |
| Average total loans | $147,671,000 | 2,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 6,843 |
| Cost of funding earning assets | 1.5863% | 5,094 |
| Net interest margin | 3.2616% | 5,886 |
| Noninterest income to average assets | 1.1595% | 1,145 |
| Noninterest expense to average assets | 3.0154% | 4,094 |
| Loan and lease loss provision to assets | 1.1851% | 1,942 |
| Net operating income to assets | 0.0431% | 5,355 |
| Return on assets (ROA) | -0.1012% | 5,685 |
| Pretax return on assets | -0.0970% | 5,596 |
| Return on Equity (ROE) | -1.1117% | 5,708 |
| Retained earnings to average equity (ytd only) | -3.4191% | 5,773 |
| Net charge-offs to loans | 1.6547% | 1,528 |
| Credit loss provision to net charge-offs | 117.7989% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.2250% | 4,897 |
| Efficiency ratio | 70.9869% | 4,444 |
| Assets per employee ($millions) | 3.6198% | 4,731 |
| Cash dividends to net income (ytd only)* | -207.5472% | 7,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,312 |
| Loan loss allowance to noncurrent loans | 107.5726% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 4,172 |
| Noncurrent loans to loans | 1.2873% | 4,774 |
| Net loans and leases to total assets | 55.8940% | 5,964 |
| Net loans and leases to deposits | 62.5921% | 6,398 |
| Net loans and leases to core deposits | 77.9814% | 6,258 |
| Total domestic deposits to total assets | 89.2989% | 1,332 |
| Equity capital to assets | 9.0833% | 5,008 |
| Core capital (leverage) ratio | 8.2967% | 5,625 |
| Tier 1 risk-based capital ratio | 13.8115% | 3,625 |
| Total risk-based capital ratio | 15.0615% | 3,562 |
| Memoranda: | ||
| Average total assets | $261,923,000 | 2,497 |
| Average earning assets | $248,004,800 | 2,423 |
| Average equity | $23,837,000 | 2,748 |
| Average total loans | $159,243,600 | 2,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 6,891 |
| Cost of funding earning assets | 1.6274% | 5,272 |
| Net interest margin | 3.2705% | 5,751 |
| Noninterest income to average assets | 1.0953% | 1,326 |
| Noninterest expense to average assets | 3.0529% | 3,828 |
| Loan and lease loss provision to assets | 1.4372% | 1,335 |
| Net operating income to assets | -0.2979% | 6,194 |
| Return on assets (ROA) | -0.3398% | 6,265 |
| Pretax return on assets | -0.3342% | 6,132 |
| Return on Equity (ROE) | -3.7317% | 6,313 |
| Retained earnings to average equity (ytd only) | -6.8134% | 6,487 |
| Net charge-offs to loans | 2.0254% | 967 |
| Credit loss provision to net charge-offs | 114.7454% | 4,424 |
| Earnings coverage of net charge-offs (x) | 0.9141% | 5,143 |
| Efficiency ratio | 72.7273% | 4,096 |
| Assets per employee ($millions) | 3.6238% | 4,624 |
| Cash dividends to net income (ytd only)* | -82.5829% | 7,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,796 |
| Loan loss allowance to noncurrent loans | 91.5309% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 4,137 |
| Noncurrent loans to loans | 1.3697% | 4,631 |
| Net loans and leases to total assets | 57.0030% | 6,030 |
| Net loans and leases to deposits | 63.6135% | 6,531 |
| Net loans and leases to core deposits | 77.2982% | 6,540 |
| Total domestic deposits to total assets | 89.6083% | 922 |
| Equity capital to assets | 8.8339% | 5,732 |
| Core capital (leverage) ratio | 8.3115% | 5,814 |
| Tier 1 risk-based capital ratio | 12.8372% | 4,300 |
| Total risk-based capital ratio | 13.9606% | 4,335 |
| Memoranda: | ||
| Average total assets | $261,343,000 | 2,517 |
| Average earning assets | $247,909,250 | 2,441 |
| Average equity | $23,795,750 | 2,779 |
| Average total loans | $161,612,000 | 2,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 6,764 |
| Cost of funding earning assets | 1.6936% | 5,303 |
| Net interest margin | 3.3086% | 5,523 |
| Noninterest income to average assets | 1.1673% | 1,152 |
| Noninterest expense to average assets | 3.1226% | 3,611 |
| Loan and lease loss provision to assets | 1.3705% | 1,261 |
| Net operating income to assets | -0.1978% | 6,185 |
| Return on assets (ROA) | -0.1978% | 6,212 |
| Pretax return on assets | -0.1892% | 6,111 |
| Return on Equity (ROE) | -2.1497% | 6,245 |
| Retained earnings to average equity (ytd only) | -6.7862% | 6,535 |
| Net charge-offs to loans | 1.9695% | 940 |
| Credit loss provision to net charge-offs | 109.9564% | 4,216 |
| Earnings coverage of net charge-offs (x) | 0.9477% | 4,821 |
| Efficiency ratio | 72.5536% | 4,292 |
| Assets per employee ($millions) | 3.4107% | 5,040 |
| Cash dividends to net income (ytd only)* | -215.6863% | 8,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 5,736 |
| Loan loss allowance to noncurrent loans | 61.9951% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9531% | 3,265 |
| Noncurrent loans to loans | 1.7407% | 3,898 |
| Net loans and leases to total assets | 63.2475% | 5,136 |
| Net loans and leases to deposits | 70.6228% | 5,919 |
| Net loans and leases to core deposits | 83.9615% | 6,091 |
| Total domestic deposits to total assets | 89.5567% | 1,021 |
| Equity capital to assets | 9.0973% | 5,162 |
| Core capital (leverage) ratio | 8.6388% | 5,201 |
| Tier 1 risk-based capital ratio | 13.0546% | 4,102 |
| Total risk-based capital ratio | 14.0610% | 4,195 |
| Memoranda: | ||
| Average total assets | $257,862,670 | 2,558 |
| Average earning assets | $244,451,330 | 2,486 |
| Average equity | $23,724,670 | 2,788 |
| Average total loans | $163,185,330 | 2,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 6,910 |
| Cost of funding earning assets | 1.7777% | 5,222 |
| Net interest margin | 3.2298% | 5,760 |
| Noninterest income to average assets | 1.1850% | 1,038 |
| Noninterest expense to average assets | 3.0715% | 3,485 |
| Loan and lease loss provision to assets | 0.4002% | 2,920 |
| Net operating income to assets | 0.7679% | 3,264 |
| Return on assets (ROA) | 0.7679% | 3,439 |
| Pretax return on assets | 0.7787% | 4,155 |
| Return on Equity (ROE) | 8.3001% | 3,014 |
| Retained earnings to average equity (ytd only) | -0.8851% | 5,861 |
| Net charge-offs to loans | 0.2110% | 3,370 |
| Credit loss provision to net charge-offs | 301.1628% | 1,602 |
| Earnings coverage of net charge-offs (x) | 8.8721% | 2,133 |
| Efficiency ratio | 72.2646% | 4,145 |
| Assets per employee ($millions) | 3.4215% | 5,017 |
| Cash dividends to net income (ytd only)* | 110.6640% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 5,549 |
| Loan loss allowance to noncurrent loans | 49.9719% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 1.6595% | 3,428 |
| Noncurrent loans to loans | 2.1796% | 3,007 |
| Net loans and leases to total assets | 61.2851% | 5,449 |
| Net loans and leases to deposits | 68.0327% | 6,184 |
| Net loans and leases to core deposits | 82.3049% | 6,213 |
| Total domestic deposits to total assets | 90.0819% | 763 |
| Equity capital to assets | 9.0687% | 5,271 |
| Core capital (leverage) ratio | 9.1147% | 4,530 |
| Tier 1 risk-based capital ratio | 13.2923% | 4,000 |
| Total risk-based capital ratio | 14.2917% | 4,078 |
| Memoranda: | ||
| Average total assets | $258,894,000 | 2,563 |
| Average earning assets | $245,711,500 | 2,489 |
| Average equity | $23,951,500 | 2,774 |
| Average total loans | $163,002,000 | 2,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 6,354 |
| Cost of funding earning assets | 2.3563% | 4,905 |
| Net interest margin | 3.4699% | 5,403 |
| Noninterest income to average assets | 0.9962% | 1,593 |
| Noninterest expense to average assets | 3.3027% | 2,952 |
| Loan and lease loss provision to assets | 0.1863% | 5,029 |
| Net operating income to assets | 0.5616% | 4,473 |
| Return on assets (ROA) | 0.5636% | 4,321 |
| Pretax return on assets | 0.5686% | 4,785 |
| Return on Equity (ROE) | 6.0565% | 3,921 |
| Retained earnings to average equity (ytd only) | 0.1665% | 5,133 |
| Net charge-offs to loans | 0.4538% | 2,563 |
| Credit loss provision to net charge-offs | 68.0339% | 6,108 |
| Earnings coverage of net charge-offs (x) | 2.7496% | 4,708 |
| Efficiency ratio | 81.4344% | 2,386 |
| Assets per employee ($millions) | 3.3030% | 5,201 |
| Cash dividends to net income (ytd only)* | 97.2509% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,171 |
| Loan loss allowance to noncurrent loans | 47.9964% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 2,899 |
| Noncurrent loans to loans | 2.0545% | 2,690 |
| Net loans and leases to total assets | 63.3666% | 5,389 |
| Net loans and leases to deposits | 70.7821% | 6,196 |
| Net loans and leases to core deposits | 82.3031% | 6,433 |
| Total domestic deposits to total assets | 89.5235% | 836 |
| Equity capital to assets | 9.4408% | 4,765 |
| Core capital (leverage) ratio | 9.1312% | 4,552 |
| Tier 1 risk-based capital ratio | 13.7079% | 3,691 |
| Total risk-based capital ratio | 14.6362% | 3,785 |
| Memoranda: | ||
| Average total assets | $258,184,600 | 2,479 |
| Average earning assets | $227,640,400 | 2,570 |
| Average equity | $24,023,800 | 2,729 |
| Average total loans | $155,793,400 | 2,837 |