Home > Heritage Bank > Performance and Condition Ratios
Heritage 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 | 3.1893% | 5,847 |
| Cost of funding earning assets | 0.2477% | 5,353 |
| Net interest margin | 2.9416% | 5,566 |
| Noninterest income to average assets | 0.3761% | 4,377 |
| Noninterest expense to average assets | 1.7590% | 6,104 |
| Loan and lease loss provision to assets | 0.2420% | 970 |
| Net operating income to assets | 0.6072% | 4,337 |
| Return on assets (ROA) | 0.6070% | 4,431 |
| Pretax return on assets | 0.9447% | 3,714 |
| Return on Equity (ROE) | 4.9902% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.9902% | 2,605 |
| 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 | 58.5944% | 5,392 |
| Assets per employee ($millions) | 3.6836% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3051% | 6,382 |
| Loan loss allowance to noncurrent loans | 19.9943% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 2,419 |
| Noncurrent loans to loans | 1.5258% | 1,923 |
| Net loans and leases to total assets | 75.7312% | 1,309 |
| Net loans and leases to deposits | 93.7419% | 1,102 |
| Net loans and leases to core deposits | 97.4221% | 1,598 |
| Total domestic deposits to total assets | 80.7869% | 4,801 |
| Equity capital to assets | 11.4324% | 2,489 |
| Core capital (leverage) ratio | 9.7567% | 3,891 |
| Tier 1 risk-based capital ratio | 13.3484% | 4,513 |
| Total risk-based capital ratio | 13.6697% | 5,001 |
| Memoranda: | ||
| Average total assets | $289,312,400 | 2,220 |
| Average earning assets | $252,751,800 | 2,326 |
| Average equity | $35,189,200 | 1,986 |
| Average total loans | $221,891,600 | 1,888 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4965% | 6,410 |
| Cost of funding earning assets | 0.1776% | 6,009 |
| Net interest margin | 2.3189% | 6,331 |
| Noninterest income to average assets | 0.2791% | 5,205 |
| Noninterest expense to average assets | 1.2195% | 6,479 |
| Loan and lease loss provision to assets | 0.1864% | 1,309 |
| Net operating income to assets | 0.5652% | 4,610 |
| Return on assets (ROA) | 0.5652% | 4,682 |
| Pretax return on assets | 0.8868% | 4,045 |
| Return on Equity (ROE) | 4.5746% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.5746% | 3,387 |
| Net charge-offs to loans | -0.0006% | 5,147 |
| Credit loss provision to net charge-offs | -40,000.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1545% | 5,979 |
| Assets per employee ($millions) | 3.5422% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1695% | 6,503 |
| Loan loss allowance to noncurrent loans | 11.3630% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 2,581 |
| Noncurrent loans to loans | 1.4920% | 2,176 |
| Net loans and leases to total assets | 76.6207% | 1,147 |
| Net loans and leases to deposits | 99.9547% | 618 |
| Net loans and leases to core deposits | 105.5426% | 982 |
| Total domestic deposits to total assets | 76.6554% | 5,735 |
| Equity capital to assets | 11.0241% | 2,933 |
| Core capital (leverage) ratio | 9.6911% | 4,093 |
| Tier 1 risk-based capital ratio | 12.6015% | 5,113 |
| Total risk-based capital ratio | 12.7792% | 5,705 |
| Memoranda: | ||
| Average total assets | $286,126,750 | 2,248 |
| Average earning assets | $248,444,500 | 2,375 |
| Average equity | $35,353,500 | 1,987 |
| Average total loans | $220,002,000 | 1,913 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4510% | 6,637 |
| Cost of funding earning assets | 0.0381% | 6,594 |
| Net interest margin | 0.4128% | 6,637 |
| Noninterest income to average assets | 0.0509% | 6,442 |
| Noninterest expense to average assets | 0.1722% | 6,648 |
| Loan and lease loss provision to assets | 0.0717% | 2,837 |
| Net operating income to assets | 0.1578% | 5,939 |
| Return on assets (ROA) | 0.1578% | 5,974 |
| Pretax return on assets | 0.1643% | 5,998 |
| Return on Equity (ROE) | 1.2286% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.2286% | 5,260 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9490% | 6,503 |
| Assets per employee ($millions) | 3.2485% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0440% | 6,594 |
| Loan loss allowance to noncurrent loans | 11.0742% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 5,021 |
| Noncurrent loans to loans | 0.3976% | 4,796 |
| Net loans and leases to total assets | 79.4197% | 754 |
| Net loans and leases to deposits | 101.7237% | 466 |
| Net loans and leases to core deposits | 108.0805% | 765 |
| Total domestic deposits to total assets | 78.0740% | 5,621 |
| Equity capital to assets | 10.6557% | 3,247 |
| Core capital (leverage) ratio | 8.6711% | 5,449 |
| Tier 1 risk-based capital ratio | 11.3836% | 5,862 |
| Total risk-based capital ratio | 11.4311% | 6,304 |
| Memoranda: | ||
| Average total assets | $278,779,000 | 2,304 |
| Average earning assets | $241,267,670 | 2,432 |
| Average equity | $35,813,670 | 1,956 |
| Average total loans | $214,495,000 | 1,949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,263 |
| Cost of funding earning assets | 0.4335% | 3,609 |
| Net interest margin | 3.9385% | 1,957 |
| Noninterest income to average assets | 0.4563% | 3,737 |
| Noninterest expense to average assets | 3.1769% | 2,304 |
| Loan and lease loss provision to assets | 0.4360% | 369 |
| Net operating income to assets | 0.1492% | 5,930 |
| Return on assets (ROA) | 0.1482% | 5,963 |
| Pretax return on assets | 0.2224% | 5,884 |
| Return on Equity (ROE) | 1.0600% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.2806% | 5,465 |
| Net charge-offs to loans | -0.0327% | 5,609 |
| Credit loss provision to net charge-offs | -1,764.7059% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3258% | 2,009 |
| Assets per employee ($millions) | 3.1027% | 5,685 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 1,870 |
| Loan loss allowance to noncurrent loans | 568.1690% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 5,328 |
| Noncurrent loans to loans | 0.3274% | 5,126 |
| Net loans and leases to total assets | 76.2240% | 977 |
| Net loans and leases to deposits | 91.9874% | 957 |
| Net loans and leases to core deposits | 97.2552% | 1,294 |
| Total domestic deposits to total assets | 82.8634% | 4,654 |
| Equity capital to assets | 13.7932% | 991 |
| Core capital (leverage) ratio | 10.3030% | 3,170 |
| Tier 1 risk-based capital ratio | 13.4019% | 4,767 |
| Total risk-based capital ratio | 14.6616% | 4,687 |
| Memoranda: | ||
| Average total assets | $275,235,500 | 2,336 |
| Average earning assets | $236,231,500 | 2,487 |
| Average equity | $38,490,000 | 1,831 |
| Average total loans | $208,175,500 | 1,986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 1,534 |
| Cost of funding earning assets | 0.4742% | 3,873 |
| Net interest margin | 4.2396% | 1,253 |
| Noninterest income to average assets | 0.5900% | 3,149 |
| Noninterest expense to average assets | 2.9123% | 3,338 |
| Loan and lease loss provision to assets | 0.1423% | 2,530 |
| Net operating income to assets | 0.7186% | 3,702 |
| Return on assets (ROA) | 0.7196% | 3,787 |
| Pretax return on assets | 1.1404% | 2,805 |
| Return on Equity (ROE) | 4.8316% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.8316% | 2,711 |
| Net charge-offs to loans | 0.3903% | 1,724 |
| Credit loss provision to net charge-offs | 48.4522% | 3,853 |
| Earnings coverage of net charge-offs (x) | 4.3634% | 3,591 |
| Efficiency ratio | 67.9796% | 4,203 |
| Assets per employee ($millions) | 3.2679% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 1,877 |
| Loan loss allowance to noncurrent loans | 226.9231% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 4,333 |
| Noncurrent loans to loans | 0.8212% | 3,924 |
| Net loans and leases to total assets | 72.1718% | 1,655 |
| Net loans and leases to deposits | 87.3219% | 1,540 |
| Net loans and leases to core deposits | 92.8977% | 1,683 |
| Total domestic deposits to total assets | 82.6503% | 4,665 |
| Equity capital to assets | 14.1812% | 857 |
| Core capital (leverage) ratio | 10.5673% | 2,830 |
| Tier 1 risk-based capital ratio | 14.1534% | 4,188 |
| Total risk-based capital ratio | 15.4120% | 4,128 |
| Memoranda: | ||
| Average total assets | $253,066,800 | 2,502 |
| Average earning assets | $215,092,600 | 2,670 |
| Average equity | $37,689,200 | 1,845 |
| Average total loans | $190,381,400 | 2,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,420 |
| Cost of funding earning assets | 0.4893% | 3,874 |
| Net interest margin | 4.2799% | 1,142 |
| Noninterest income to average assets | 0.6019% | 3,135 |
| Noninterest expense to average assets | 2.8568% | 3,455 |
| Loan and lease loss provision to assets | 0.1449% | 2,472 |
| Net operating income to assets | 0.7754% | 3,483 |
| Return on assets (ROA) | 0.7758% | 3,610 |
| Pretax return on assets | 1.2280% | 2,586 |
| Return on Equity (ROE) | 5.1418% | 4,653 |
| Retained earnings to average equity (ytd only) | 5.1418% | 2,976 |
| Net charge-offs to loans | 0.5316% | 1,208 |
| Credit loss provision to net charge-offs | 36.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | 3.4106% | 3,711 |
| Efficiency ratio | 66.0662% | 4,463 |
| Assets per employee ($millions) | 3.2620% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 2,181 |
| Loan loss allowance to noncurrent loans | 224.0099% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 4,332 |
| Noncurrent loans to loans | 0.8204% | 4,195 |
| Net loans and leases to total assets | 76.9795% | 877 |
| Net loans and leases to deposits | 101.3981% | 412 |
| Net loans and leases to core deposits | 109.3996% | 601 |
| Total domestic deposits to total assets | 75.9181% | 6,180 |
| Equity capital to assets | 15.1746% | 685 |
| Core capital (leverage) ratio | 11.2248% | 2,278 |
| Tier 1 risk-based capital ratio | 14.4191% | 4,131 |
| Total risk-based capital ratio | 15.6783% | 4,081 |
| Memoranda: | ||
| Average total assets | $248,525,500 | 2,560 |
| Average earning assets | $210,623,250 | 2,732 |
| Average equity | $37,495,500 | 1,864 |
| Average total loans | $188,109,250 | 2,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 1,431 |
| Cost of funding earning assets | 0.5059% | 3,843 |
| Net interest margin | 4.2507% | 1,140 |
| Noninterest income to average assets | 0.5548% | 3,470 |
| Noninterest expense to average assets | 2.8202% | 3,608 |
| Loan and lease loss provision to assets | 0.1454% | 2,523 |
| Net operating income to assets | 0.7498% | 3,569 |
| Return on assets (ROA) | 0.7503% | 3,718 |
| Pretax return on assets | 1.1864% | 2,736 |
| Return on Equity (ROE) | 4.9827% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.9827% | 3,066 |
| Net charge-offs to loans | 0.7799% | 804 |
| Credit loss provision to net charge-offs | 24.9307% | 3,664 |
| Earnings coverage of net charge-offs (x) | 2.2825% | 3,765 |
| Efficiency ratio | 66.4202% | 4,471 |
| Assets per employee ($millions) | 3.3505% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 2,169 |
| Loan loss allowance to noncurrent loans | 214.5959% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 3,977 |
| Noncurrent loans to loans | 0.8765% | 4,167 |
| Net loans and leases to total assets | 76.9432% | 873 |
| Net loans and leases to deposits | 97.0861% | 599 |
| Net loans and leases to core deposits | 105.0382% | 794 |
| Total domestic deposits to total assets | 79.2526% | 5,765 |
| Equity capital to assets | 15.5985% | 606 |
| Core capital (leverage) ratio | 11.3569% | 2,049 |
| Tier 1 risk-based capital ratio | 14.6717% | 3,982 |
| Total risk-based capital ratio | 15.9311% | 3,941 |
| Memoranda: | ||
| Average total assets | $247,642,000 | 2,575 |
| Average earning assets | $209,517,330 | 2,751 |
| Average equity | $37,289,000 | 1,875 |
| Average total loans | $185,154,330 | 2,153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,594 |
| Cost of funding earning assets | 0.5161% | 3,915 |
| Net interest margin | 4.1628% | 1,296 |
| Noninterest income to average assets | 0.5741% | 3,277 |
| Noninterest expense to average assets | 2.8081% | 3,668 |
| Loan and lease loss provision to assets | 0.1435% | 2,448 |
| Net operating income to assets | 0.7181% | 3,603 |
| Return on assets (ROA) | 0.7192% | 3,730 |
| Pretax return on assets | 1.1354% | 2,837 |
| Return on Equity (ROE) | 4.8600% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.8600% | 3,324 |
| Net charge-offs to loans | 0.6836% | 898 |
| Credit loss provision to net charge-offs | 28.7540% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.5591% | 3,003 |
| Efficiency ratio | 67.2131% | 4,461 |
| Assets per employee ($millions) | 3.4529% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 1,742 |
| Loan loss allowance to noncurrent loans | 1,185.6269% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 5,294 |
| Noncurrent loans to loans | 0.1792% | 5,955 |
| Net loans and leases to total assets | 72.8439% | 1,227 |
| Net loans and leases to deposits | 89.9327% | 972 |
| Net loans and leases to core deposits | 96.8922% | 1,149 |
| Total domestic deposits to total assets | 80.9983% | 5,498 |
| Equity capital to assets | 15.2253% | 706 |
| Core capital (leverage) ratio | 10.9283% | 2,326 |
| Tier 1 risk-based capital ratio | 14.4316% | 4,221 |
| Total risk-based capital ratio | 15.6946% | 4,182 |
| Memoranda: | ||
| Average total assets | $250,845,500 | 2,572 |
| Average earning assets | $211,589,000 | 2,751 |
| Average equity | $37,119,000 | 1,909 |
| Average total loans | $183,145,500 | 2,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 801 |
| Cost of funding earning assets | 0.6949% | 3,532 |
| Net interest margin | 4.6775% | 679 |
| Noninterest income to average assets | 0.5502% | 3,579 |
| Noninterest expense to average assets | 2.8202% | 3,945 |
| Loan and lease loss provision to assets | 0.3325% | 2,038 |
| Net operating income to assets | 0.8569% | 3,011 |
| Return on assets (ROA) | 0.8593% | 3,247 |
| Pretax return on assets | 1.3581% | 2,183 |
| Return on Equity (ROE) | 5.2218% | 4,578 |
| Retained earnings to average equity (ytd only) | -9.5290% | 6,620 |
| Net charge-offs to loans | 0.1506% | 4,186 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 15.2190% | 1,667 |
| Efficiency ratio | 61.1705% | 5,365 |
| Assets per employee ($millions) | 3.5630% | 4,869 |
| Cash dividends to net income (ytd only)* | 282.4859% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2303% | 1,502 |
| Loan loss allowance to noncurrent loans | 369.3694% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 5,155 |
| Noncurrent loans to loans | 0.6038% | 5,009 |
| Net loans and leases to total assets | 70.0617% | 1,831 |
| Net loans and leases to deposits | 85.3619% | 1,599 |
| Net loans and leases to core deposits | 90.9418% | 1,726 |
| Total domestic deposits to total assets | 82.0761% | 5,070 |
| Equity capital to assets | 14.3887% | 912 |
| Core capital (leverage) ratio | 10.4204% | 2,857 |
| Tier 1 risk-based capital ratio | 14.1111% | 4,302 |
| Total risk-based capital ratio | 15.3744% | 4,250 |
| Memoranda: | ||
| Average total assets | $247,184,800 | 2,557 |
| Average earning assets | $209,109,000 | 2,747 |
| Average equity | $40,676,000 | 1,714 |
| Average total loans | $181,986,000 | 2,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 817 |
| Cost of funding earning assets | 0.7401% | 3,431 |
| Net interest margin | 4.6712% | 714 |
| Noninterest income to average assets | 0.5222% | 3,789 |
| Noninterest expense to average assets | 2.8224% | 3,903 |
| Loan and lease loss provision to assets | 0.3360% | 1,947 |
| Net operating income to assets | 0.8360% | 3,283 |
| Return on assets (ROA) | 0.8391% | 3,513 |
| Pretax return on assets | 1.3249% | 2,512 |
| Return on Equity (ROE) | 4.9370% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.9370% | 3,408 |
| Net charge-offs to loans | 0.1293% | 4,087 |
| Credit loss provision to net charge-offs | 350.5682% | 767 |
| Earnings coverage of net charge-offs (x) | 17.2785% | 1,632 |
| Efficiency ratio | 61.6002% | 5,215 |
| Assets per employee ($millions) | 3.2775% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0947% | 1,916 |
| Loan loss allowance to noncurrent loans | 346.3140% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,153 |
| Noncurrent loans to loans | 0.6049% | 5,228 |
| Net loans and leases to total assets | 76.9479% | 851 |
| Net loans and leases to deposits | 98.3495% | 524 |
| Net loans and leases to core deposits | 107.1651% | 685 |
| Total domestic deposits to total assets | 78.2393% | 6,024 |
| Equity capital to assets | 17.4843% | 400 |
| Core capital (leverage) ratio | 13.0534% | 1,174 |
| Tier 1 risk-based capital ratio | 16.7482% | 2,873 |
| Total risk-based capital ratio | 18.0102% | 2,821 |
| Memoranda: | ||
| Average total assets | $244,847,500 | 2,601 |
| Average earning assets | $207,364,750 | 2,796 |
| Average equity | $41,617,000 | 1,688 |
| Average total loans | $181,524,500 | 2,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 1,064 |
| Cost of funding earning assets | 0.7861% | 3,313 |
| Net interest margin | 4.5117% | 973 |
| Noninterest income to average assets | 0.4959% | 3,946 |
| Noninterest expense to average assets | 2.8190% | 3,941 |
| Loan and lease loss provision to assets | 0.3347% | 1,970 |
| Net operating income to assets | 0.7382% | 3,661 |
| Return on assets (ROA) | 0.7418% | 3,917 |
| Pretax return on assets | 1.1660% | 3,056 |
| Return on Equity (ROE) | 4.4059% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.4059% | 3,678 |
| Net charge-offs to loans | 0.1636% | 3,626 |
| Credit loss provision to net charge-offs | 281.5068% | 1,045 |
| Earnings coverage of net charge-offs (x) | 12.5753% | 1,866 |
| Efficiency ratio | 63.8732% | 4,917 |
| Assets per employee ($millions) | 3.3492% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 2,079 |
| Loan loss allowance to noncurrent loans | 109.4637% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.6896% | 3,187 |
| Noncurrent loans to loans | 1.8832% | 3,096 |
| Net loans and leases to total assets | 74.1707% | 1,216 |
| Net loans and leases to deposits | 93.8366% | 784 |
| Net loans and leases to core deposits | 102.2676% | 964 |
| Total domestic deposits to total assets | 79.0424% | 5,955 |
| Equity capital to assets | 17.0904% | 433 |
| Core capital (leverage) ratio | 12.5376% | 1,338 |
| Tier 1 risk-based capital ratio | 16.5659% | 2,880 |
| Total risk-based capital ratio | 17.8267% | 2,833 |
| Memoranda: | ||
| Average total assets | $245,617,330 | 2,595 |
| Average earning assets | $207,858,000 | 2,792 |
| Average equity | $41,354,000 | 1,692 |
| Average total loans | $178,492,330 | 2,253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 1,136 |
| Cost of funding earning assets | 0.7935% | 3,528 |
| Net interest margin | 4.4880% | 1,033 |
| Noninterest income to average assets | 0.4680% | 4,155 |
| Noninterest expense to average assets | 2.7768% | 4,135 |
| Loan and lease loss provision to assets | 0.3347% | 1,871 |
| Net operating income to assets | 0.7503% | 3,620 |
| Return on assets (ROA) | 0.7555% | 3,835 |
| Pretax return on assets | 1.1878% | 2,956 |
| Return on Equity (ROE) | 4.5213% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.5213% | 3,869 |
| Net charge-offs to loans | 0.1279% | 3,342 |
| Credit loss provision to net charge-offs | 367.8571% | 845 |
| Earnings coverage of net charge-offs (x) | 16.6429% | 1,347 |
| Efficiency ratio | 63.2336% | 5,062 |
| Assets per employee ($millions) | 3.4309% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 2,002 |
| Loan loss allowance to noncurrent loans | 310.3101% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 5,117 |
| Noncurrent loans to loans | 0.6912% | 5,284 |
| Net loans and leases to total assets | 67.4342% | 2,211 |
| Net loans and leases to deposits | 84.7601% | 1,572 |
| Net loans and leases to core deposits | 93.6318% | 1,497 |
| Total domestic deposits to total assets | 79.5589% | 5,958 |
| Equity capital to assets | 16.5091% | 499 |
| Core capital (leverage) ratio | 12.4569% | 1,358 |
| Tier 1 risk-based capital ratio | 16.9289% | 2,707 |
| Total risk-based capital ratio | 18.1900% | 2,660 |
| Memoranda: | ||
| Average total assets | $246,179,000 | 2,593 |
| Average earning assets | $209,715,500 | 2,780 |
| Average equity | $41,138,500 | 1,692 |
| Average total loans | $175,158,500 | 2,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 788 |
| Cost of funding earning assets | 0.8945% | 4,169 |
| Net interest margin | 4.8003% | 622 |
| Noninterest income to average assets | 0.5354% | 3,618 |
| Noninterest expense to average assets | 2.7530% | 4,541 |
| Loan and lease loss provision to assets | 0.6523% | 1,560 |
| Net operating income to assets | 0.8199% | 2,956 |
| Return on assets (ROA) | 0.8217% | 3,107 |
| Pretax return on assets | 1.2887% | 2,175 |
| Return on Equity (ROE) | 4.9582% | 4,408 |
| Retained earnings to average equity (ytd only) | 1.2981% | 5,250 |
| Net charge-offs to loans | 0.1400% | 5,025 |
| Credit loss provision to net charge-offs | 637.5494% | 354 |
| Earnings coverage of net charge-offs (x) | 18.9447% | 1,188 |
| Efficiency ratio | 57.3399% | 6,142 |
| Assets per employee ($millions) | 3.4071% | 5,231 |
| Cash dividends to net income (ytd only)* | 73.8189% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 2,284 |
| Loan loss allowance to noncurrent loans | 313.5040% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 5,481 |
| Noncurrent loans to loans | 0.6375% | 5,439 |
| Net loans and leases to total assets | 72.0002% | 1,644 |
| Net loans and leases to deposits | 89.8627% | 1,173 |
| Net loans and leases to core deposits | 99.5832% | 1,210 |
| Total domestic deposits to total assets | 80.1225% | 5,711 |
| Equity capital to assets | 16.9197% | 454 |
| Core capital (leverage) ratio | 12.2951% | 1,444 |
| Tier 1 risk-based capital ratio | 16.4472% | 2,850 |
| Total risk-based capital ratio | 17.7077% | 2,806 |
| Memoranda: | ||
| Average total assets | $247,294,000 | 2,550 |
| Average earning assets | $214,092,400 | 2,683 |
| Average equity | $40,982,600 | 1,639 |
| Average total loans | $180,774,200 | 2,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5877% | 1,060 |
| Cost of funding earning assets | 0.9236% | 4,245 |
| Net interest margin | 4.6641% | 824 |
| Noninterest income to average assets | 0.5260% | 3,686 |
| Noninterest expense to average assets | 2.7262% | 4,630 |
| Loan and lease loss provision to assets | 0.6295% | 1,552 |
| Net operating income to assets | 0.7843% | 3,236 |
| Return on assets (ROA) | 0.7867% | 3,392 |
| Pretax return on assets | 1.2307% | 2,519 |
| Return on Equity (ROE) | 4.7711% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7711% | 3,329 |
| Net charge-offs to loans | 0.1432% | 4,631 |
| Credit loss provision to net charge-offs | 602.0513% | 447 |
| Earnings coverage of net charge-offs (x) | 17.7541% | 1,335 |
| Efficiency ratio | 58.1208% | 5,988 |
| Assets per employee ($millions) | 3.5372% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,478 |
| Loan loss allowance to noncurrent loans | 242.2460% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 5,745 |
| Noncurrent loans to loans | 0.6778% | 5,529 |
| Net loans and leases to total assets | 75.6369% | 1,031 |
| Net loans and leases to deposits | 104.2929% | 308 |
| Net loans and leases to core deposits | 116.2429% | 486 |
| Total domestic deposits to total assets | 72.5235% | 6,893 |
| Equity capital to assets | 16.6842% | 518 |
| Core capital (leverage) ratio | 12.7072% | 1,344 |
| Tier 1 risk-based capital ratio | 15.8231% | 3,205 |
| Total risk-based capital ratio | 17.0515% | 3,178 |
| Memoranda: | ||
| Average total assets | $248,642,000 | 2,548 |
| Average earning assets | $216,255,500 | 2,668 |
| Average equity | $40,996,000 | 1,638 |
| Average total loans | $181,537,250 | 2,248 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 1,335 |
| Cost of funding earning assets | 0.9630% | 4,232 |
| Net interest margin | 4.5216% | 1,083 |
| Noninterest income to average assets | 0.5440% | 3,520 |
| Noninterest expense to average assets | 2.7110% | 4,776 |
| Loan and lease loss provision to assets | 0.6440% | 1,488 |
| Net operating income to assets | 0.7324% | 3,376 |
| Return on assets (ROA) | 0.7344% | 3,488 |
| Pretax return on assets | 1.1444% | 2,685 |
| Return on Equity (ROE) | 4.4724% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.4724% | 3,348 |
| Net charge-offs to loans | 0.1024% | 4,663 |
| Credit loss provision to net charge-offs | 876.9231% | 370 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 1,066 |
| Efficiency ratio | 58.8943% | 6,046 |
| Assets per employee ($millions) | 3.4817% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,720 |
| Loan loss allowance to noncurrent loans | 143.8492% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 5,140 |
| Noncurrent loans to loans | 1.1072% | 4,818 |
| Net loans and leases to total assets | 75.6861% | 1,123 |
| Net loans and leases to deposits | 99.1550% | 531 |
| Net loans and leases to core deposits | 111.0382% | 688 |
| Total domestic deposits to total assets | 76.3310% | 6,554 |
| Equity capital to assets | 17.4304% | 437 |
| Core capital (leverage) ratio | 12.6651% | 1,299 |
| Tier 1 risk-based capital ratio | 16.2925% | 2,835 |
| Total risk-based capital ratio | 17.5519% | 2,803 |
| Memoranda: | ||
| Average total assets | $247,808,670 | 2,573 |
| Average earning assets | $216,604,330 | 2,680 |
| Average equity | $40,694,330 | 1,645 |
| Average total loans | $177,674,000 | 2,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 2,098 |
| Cost of funding earning assets | 0.9930% | 4,249 |
| Net interest margin | 4.2435% | 1,774 |
| Noninterest income to average assets | 0.4910% | 3,960 |
| Noninterest expense to average assets | 2.6084% | 5,190 |
| Loan and lease loss provision to assets | 0.6110% | 1,403 |
| Net operating income to assets | 0.6426% | 3,789 |
| Return on assets (ROA) | 0.6426% | 3,864 |
| Pretax return on assets | 0.9963% | 3,141 |
| Return on Equity (ROE) | 4.0289% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0289% | 3,749 |
| Net charge-offs to loans | 0.1299% | 3,735 |
| Credit loss provision to net charge-offs | 678.9474% | 558 |
| Earnings coverage of net charge-offs (x) | 17.8596% | 1,208 |
| Efficiency ratio | 60.4120% | 5,921 |
| Assets per employee ($millions) | 3.5609% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,482 |
| Loan loss allowance to noncurrent loans | 125.9740% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 4,924 |
| Noncurrent loans to loans | 1.1430% | 4,792 |
| Net loans and leases to total assets | 71.2915% | 1,858 |
| Net loans and leases to deposits | 89.2222% | 1,328 |
| Net loans and leases to core deposits | 98.6801% | 1,460 |
| Total domestic deposits to total assets | 79.9033% | 5,968 |
| Equity capital to assets | 16.7813% | 467 |
| Core capital (leverage) ratio | 11.9968% | 1,572 |
| Tier 1 risk-based capital ratio | 15.7388% | 3,029 |
| Total risk-based capital ratio | 16.9915% | 2,989 |
| Memoranda: | ||
| Average total assets | $253,336,500 | 2,538 |
| Average earning assets | $222,365,000 | 2,631 |
| Average equity | $40,408,000 | 1,649 |
| Average total loans | $175,466,500 | 2,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 1,573 |
| Cost of funding earning assets | 1.4299% | 3,074 |
| Net interest margin | 4.2685% | 1,926 |
| Noninterest income to average assets | 0.4884% | 4,260 |
| Noninterest expense to average assets | 2.5318% | 5,676 |
| Loan and lease loss provision to assets | 0.9340% | 1,744 |
| Net operating income to assets | 0.5141% | 4,030 |
| Return on assets (ROA) | 0.5151% | 4,182 |
| Pretax return on assets | 0.7865% | 3,680 |
| Return on Equity (ROE) | 3.4291% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.4291% | 3,465 |
| Net charge-offs to loans | 0.1509% | 5,446 |
| Credit loss provision to net charge-offs | 921.0526% | 237 |
| Earnings coverage of net charge-offs (x) | 16.9511% | 1,181 |
| Efficiency ratio | 58.1614% | 6,320 |
| Assets per employee ($millions) | 3.9482% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,286 |
| Loan loss allowance to noncurrent loans | 143.1744% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 5,633 |
| Noncurrent loans to loans | 0.8710% | 5,323 |
| Net loans and leases to total assets | 65.6227% | 3,542 |
| Net loans and leases to deposits | 80.1739% | 3,145 |
| Net loans and leases to core deposits | 88.2364% | 3,020 |
| Total domestic deposits to total assets | 81.8504% | 5,231 |
| Equity capital to assets | 15.1896% | 745 |
| Core capital (leverage) ratio | 10.0782% | 2,991 |
| Tier 1 risk-based capital ratio | 15.0155% | 3,247 |
| Total risk-based capital ratio | 16.1958% | 3,234 |
| Memoranda: | ||
| Average total assets | $262,304,000 | 2,431 |
| Average earning assets | $231,207,600 | 2,514 |
| Average equity | $39,398,400 | 1,680 |
| Average total loans | $176,253,600 | 2,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6436% | 1,903 |
| Cost of funding earning assets | 1.4612% | 3,213 |
| Net interest margin | 4.1823% | 2,282 |
| Noninterest income to average assets | 0.4946% | 4,229 |
| Noninterest expense to average assets | 2.5444% | 5,545 |
| Loan and lease loss provision to assets | 0.9072% | 1,670 |
| Net operating income to assets | 0.4783% | 4,407 |
| Return on assets (ROA) | 0.4783% | 4,605 |
| Pretax return on assets | 0.7259% | 4,159 |
| Return on Equity (ROE) | 3.1936% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.1936% | 4,188 |
| Net charge-offs to loans | 0.1814% | 4,869 |
| Credit loss provision to net charge-offs | 742.0833% | 402 |
| Earnings coverage of net charge-offs (x) | 13.3584% | 1,585 |
| Efficiency ratio | 59.4806% | 6,033 |
| Assets per employee ($millions) | 3.8565% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,914 |
| Loan loss allowance to noncurrent loans | 233.6350% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 6,399 |
| Noncurrent loans to loans | 0.3598% | 6,474 |
| Net loans and leases to total assets | 71.7976% | 2,297 |
| Net loans and leases to deposits | 88.7073% | 1,907 |
| Net loans and leases to core deposits | 97.4095% | 2,105 |
| Total domestic deposits to total assets | 80.9377% | 5,399 |
| Equity capital to assets | 15.6918% | 733 |
| Core capital (leverage) ratio | 12.0682% | 1,634 |
| Tier 1 risk-based capital ratio | 14.5532% | 3,483 |
| Total risk-based capital ratio | 15.3749% | 3,722 |
| Memoranda: | ||
| Average total assets | $261,747,750 | 2,472 |
| Average earning assets | $230,487,250 | 2,561 |
| Average equity | $39,202,750 | 1,698 |
| Average total loans | $176,371,250 | 2,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 2,499 |
| Cost of funding earning assets | 1.4907% | 3,303 |
| Net interest margin | 4.0124% | 2,954 |
| Noninterest income to average assets | 0.4823% | 4,264 |
| Noninterest expense to average assets | 2.5099% | 5,687 |
| Loan and lease loss provision to assets | 0.8987% | 1,625 |
| Net operating income to assets | 0.4104% | 4,707 |
| Return on assets (ROA) | 0.4104% | 4,867 |
| Pretax return on assets | 0.6155% | 4,523 |
| Return on Equity (ROE) | 2.7826% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.7826% | 4,364 |
| Net charge-offs to loans | 0.0587% | 5,570 |
| Credit loss provision to net charge-offs | 2,327.4510% | 179 |
| Earnings coverage of net charge-offs (x) | 39.2157% | 740 |
| Efficiency ratio | 60.9031% | 5,877 |
| Assets per employee ($millions) | 3.8363% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 7,342 |
| Loan loss allowance to noncurrent loans | 121.5728% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 6,327 |
| Noncurrent loans to loans | 0.5326% | 6,187 |
| Net loans and leases to total assets | 69.3231% | 3,057 |
| Net loans and leases to deposits | 85.4338% | 2,611 |
| Net loans and leases to core deposits | 95.0257% | 2,586 |
| Total domestic deposits to total assets | 81.1425% | 5,354 |
| Equity capital to assets | 15.5446% | 758 |
| Core capital (leverage) ratio | 11.3948% | 1,973 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,388 |
| Total risk-based capital ratio | 15.2176% | 3,713 |
| Memoranda: | ||
| Average total assets | $264,154,330 | 2,473 |
| Average earning assets | $233,175,670 | 2,558 |
| Average equity | $38,957,000 | 1,705 |
| Average total loans | $173,730,330 | 2,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 3,014 |
| Cost of funding earning assets | 1.5075% | 3,504 |
| Net interest margin | 3.8980% | 3,337 |
| Noninterest income to average assets | 0.4465% | 4,509 |
| Noninterest expense to average assets | 2.4641% | 5,859 |
| Loan and lease loss provision to assets | 0.8812% | 1,445 |
| Net operating income to assets | 0.3664% | 4,995 |
| Return on assets (ROA) | 0.3664% | 5,118 |
| Pretax return on assets | 0.5459% | 4,796 |
| Return on Equity (ROE) | 2.5492% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,604 |
| Net charge-offs to loans | 0.0929% | 4,488 |
| Credit loss provision to net charge-offs | 1,485.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 24.0500% | 1,035 |
| Efficiency ratio | 61.8376% | 5,861 |
| Assets per employee ($millions) | 3.9147% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3293% | 7,739 |
| Loan loss allowance to noncurrent loans | 85.9327% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 6,468 |
| Noncurrent loans to loans | 0.3832% | 6,515 |
| Net loans and leases to total assets | 64.8512% | 4,128 |
| Net loans and leases to deposits | 79.2481% | 3,791 |
| Net loans and leases to core deposits | 89.7391% | 3,399 |
| Total domestic deposits to total assets | 81.8331% | 5,138 |
| Equity capital to assets | 14.8625% | 916 |
| Core capital (leverage) ratio | 10.9643% | 2,253 |
| Tier 1 risk-based capital ratio | 14.5760% | 3,336 |
| Total risk-based capital ratio | 14.8832% | 3,863 |
| Memoranda: | ||
| Average total assets | $269,634,500 | 2,474 |
| Average earning assets | $238,276,000 | 2,550 |
| Average equity | $38,756,500 | 1,729 |
| Average total loans | $172,262,500 | 2,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1262% | 8,009 |
| Cost of funding earning assets | 0.0378% | 7,986 |
| Net interest margin | 0.0883% | 8,000 |
| Noninterest income to average assets | 0.0133% | 7,646 |
| Noninterest expense to average assets | 0.0613% | 8,009 |
| Loan and lease loss provision to assets | 0.0041% | 7,411 |
| Net operating income to assets | 0.0186% | 5,432 |
| Return on assets (ROA) | 0.0186% | 5,479 |
| Pretax return on assets | 0.0290% | 5,370 |
| Return on Equity (ROE) | 0.1670% | 5,481 |
| Retained earnings to average equity (ytd only) | 0.1670% | 4,810 |
| Net charge-offs to loans | -0.0045% | 7,714 |
| Credit loss provision to net charge-offs | -125.0000% | 7,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9123% | 5,599 |
| Assets per employee ($millions) | 4.1341% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0046% | 7,930 |
| Loan loss allowance to noncurrent loans | 1.9370% | 7,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 6,686 |
| Noncurrent loans to loans | 0.2375% | 6,839 |
| Net loans and leases to total assets | 62.7690% | 4,854 |
| Net loans and leases to deposits | 75.5972% | 4,809 |
| Net loans and leases to core deposits | 90.5568% | 5,064 |
| Total domestic deposits to total assets | 83.0308% | 4,508 |
| Equity capital to assets | 13.9109% | 1,196 |
| Core capital (leverage) ratio | 10.9523% | 2,251 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,412 |
| Total risk-based capital ratio | 14.1439% | 4,166 |
| Memoranda: | ||
| Average total assets | $241,290,000 | 2,707 |
| Average earning assets | $221,937,400 | 2,681 |
| Average equity | $26,947,800 | 2,455 |
| Average total loans | $178,470,200 | 2,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9936% | 2,064 |
| Cost of funding earning assets | 1.8878% | 3,941 |
| Net interest margin | 4.1059% | 2,372 |
| Noninterest income to average assets | 0.6099% | 3,621 |
| Noninterest expense to average assets | 2.6016% | 5,708 |
| Loan and lease loss provision to assets | 0.2066% | 5,334 |
| Net operating income to assets | 1.0679% | 1,838 |
| Return on assets (ROA) | 1.0747% | 1,867 |
| Pretax return on assets | 1.6347% | 1,101 |
| Return on Equity (ROE) | 10.3828% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.6931% | 2,105 |
| Net charge-offs to loans | 0.1425% | 5,273 |
| Credit loss provision to net charge-offs | 187.5000% | 2,426 |
| Earnings coverage of net charge-offs (x) | 16.6200% | 1,461 |
| Efficiency ratio | 58.6926% | 6,614 |
| Assets per employee ($millions) | 3.5126% | 4,898 |
| Cash dividends to net income (ytd only)* | 45.1681% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,215 |
| Loan loss allowance to noncurrent loans | 586.8481% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 6,620 |
| Noncurrent loans to loans | 0.2297% | 6,926 |
| Net loans and leases to total assets | 80.4724% | 1,094 |
| Net loans and leases to deposits | 100.4865% | 1,065 |
| Net loans and leases to core deposits | 122.4063% | 2,037 |
| Total domestic deposits to total assets | 80.0828% | 5,400 |
| Equity capital to assets | 10.6529% | 3,341 |
| Core capital (leverage) ratio | 10.3262% | 2,950 |
| Tier 1 risk-based capital ratio | 12.6600% | 4,430 |
| Total risk-based capital ratio | 13.9112% | 4,373 |
| Memoranda: | ||
| Average total assets | $232,366,500 | 2,815 |
| Average earning assets | $216,335,000 | 2,769 |
| Average equity | $24,052,000 | 2,747 |
| Average total loans | $179,620,750 | 2,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9503% | 2,389 |
| Cost of funding earning assets | 1.9406% | 4,059 |
| Net interest margin | 4.0097% | 2,660 |
| Noninterest income to average assets | 0.5878% | 3,784 |
| Noninterest expense to average assets | 2.5664% | 5,876 |
| Loan and lease loss provision to assets | 0.2075% | 4,972 |
| Net operating income to assets | 0.9969% | 2,119 |
| Return on assets (ROA) | 1.0070% | 2,175 |
| Pretax return on assets | 1.5499% | 1,328 |
| Return on Equity (ROE) | 9.8261% | 2,081 |
| Retained earnings to average equity (ytd only) | 2.6906% | 3,833 |
| Net charge-offs to loans | 0.2063% | 4,228 |
| Credit loss provision to net charge-offs | 132.5967% | 3,524 |
| Earnings coverage of net charge-offs (x) | 11.1326% | 1,934 |
| Efficiency ratio | 59.5706% | 6,610 |
| Assets per employee ($millions) | 3.4176% | 5,026 |
| Cash dividends to net income (ytd only)* | 72.6180% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,940 |
| Loan loss allowance to noncurrent loans | 772.2741% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 6,543 |
| Noncurrent loans to loans | 0.1760% | 7,077 |
| Net loans and leases to total assets | 78.5791% | 1,622 |
| Net loans and leases to deposits | 96.6768% | 1,702 |
| Net loans and leases to core deposits | 117.1338% | 2,616 |
| Total domestic deposits to total assets | 81.2802% | 4,968 |
| Equity capital to assets | 10.4932% | 3,408 |
| Core capital (leverage) ratio | 10.2088% | 3,087 |
| Tier 1 risk-based capital ratio | 12.8501% | 4,241 |
| Total risk-based capital ratio | 14.0790% | 4,183 |
| Memoranda: | ||
| Average total assets | $231,374,000 | 2,845 |
| Average earning assets | $214,678,330 | 2,815 |
| Average equity | $23,712,330 | 2,789 |
| Average total loans | $175,502,670 | 2,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 3,091 |
| Cost of funding earning assets | 1.9621% | 4,324 |
| Net interest margin | 3.8777% | 3,145 |
| Noninterest income to average assets | 0.5607% | 3,830 |
| Noninterest expense to average assets | 2.5110% | 5,797 |
| Loan and lease loss provision to assets | 0.2064% | 4,381 |
| Net operating income to assets | 0.9344% | 2,572 |
| Return on assets (ROA) | 0.9545% | 2,627 |
| Pretax return on assets | 1.4636% | 1,772 |
| Return on Equity (ROE) | 9.4248% | 2,566 |
| Retained earnings to average equity (ytd only) | -4.9416% | 6,542 |
| Net charge-offs to loans | 0.2790% | 2,999 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 7.9417% | 2,270 |
| Efficiency ratio | 60.5056% | 6,321 |
| Assets per employee ($millions) | 3.4131% | 5,038 |
| Cash dividends to net income (ytd only)* | 152.4324% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 3,596 |
| Loan loss allowance to noncurrent loans | 411.5646% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 5,741 |
| Noncurrent loans to loans | 0.3360% | 6,587 |
| Net loans and leases to total assets | 77.7917% | 1,870 |
| Net loans and leases to deposits | 92.4387% | 2,524 |
| Net loans and leases to core deposits | 110.3944% | 3,382 |
| Total domestic deposits to total assets | 84.1549% | 3,632 |
| Equity capital to assets | 10.6110% | 3,361 |
| Core capital (leverage) ratio | 10.1360% | 3,253 |
| Tier 1 risk-based capital ratio | 12.9864% | 4,185 |
| Total risk-based capital ratio | 14.2382% | 4,112 |
| Memoranda: | ||
| Average total assets | $232,572,500 | 2,848 |
| Average earning assets | $215,280,000 | 2,820 |
| Average equity | $23,555,000 | 2,816 |
| Average total loans | $172,050,500 | 2,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3982% | 3,430 |
| Cost of funding earning assets | 2.9006% | 2,266 |
| Net interest margin | 3.4975% | 5,302 |
| Noninterest income to average assets | 0.6667% | 3,363 |
| Noninterest expense to average assets | 2.4020% | 6,383 |
| Loan and lease loss provision to assets | 0.2478% | 4,436 |
| Net operating income to assets | 0.8868% | 3,054 |
| Return on assets (ROA) | 0.9145% | 2,789 |
| Pretax return on assets | 1.3094% | 2,280 |
| Return on Equity (ROE) | 9.8573% | 2,313 |
| Retained earnings to average equity (ytd only) | 6.7318% | 1,251 |
| Net charge-offs to loans | 0.3018% | 3,385 |
| Credit loss provision to net charge-offs | 113.6364% | 4,749 |
| Earnings coverage of net charge-offs (x) | 6.9583% | 3,224 |
| Efficiency ratio | 61.2815% | 6,111 |
| Assets per employee ($millions) | 3.6862% | 4,204 |
| Cash dividends to net income (ytd only)* | 31.7073% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,024 |
| Loan loss allowance to noncurrent loans | 126.3048% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 4,352 |
| Noncurrent loans to loans | 1.1331% | 4,279 |
| Net loans and leases to total assets | 68.5093% | 4,363 |
| Net loans and leases to deposits | 82.7358% | 4,618 |
| Net loans and leases to core deposits | 96.4661% | 5,215 |
| Total domestic deposits to total assets | 82.8050% | 3,854 |
| Equity capital to assets | 9.6876% | 4,439 |
| Core capital (leverage) ratio | 9.0490% | 4,675 |
| Tier 1 risk-based capital ratio | 13.1477% | 4,032 |
| Total risk-based capital ratio | 14.3991% | 3,938 |
| Memoranda: | ||
| Average total assets | $242,090,000 | 2,633 |
| Average earning assets | $225,157,800 | 2,597 |
| Average equity | $22,460,400 | 2,918 |
| Average total loans | $174,945,200 | 2,560 |