Home > Hyde Park Bank and Trust Company > Performance and Condition Ratios
Hyde Park Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.7047% | 6,211 |
| Cost of funding earning assets | 1.1818% | 750 |
| Net interest margin | 2.5229% | 6,812 |
| Noninterest income to average assets | 0.3015% | 5,369 |
| Noninterest expense to average assets | 2.3254% | 5,613 |
| Loan and lease loss provision to assets | 0.2026% | 3,057 |
| Net operating income to assets | 0.0520% | 6,206 |
| Return on assets (ROA) | 0.4321% | 5,347 |
| Pretax return on assets | 0.6300% | 5,078 |
| Return on Equity (ROE) | 5.0899% | 4,783 |
| Retained earnings to average equity (ytd only) | 1.6542% | 5,504 |
| Net charge-offs to loans | 0.1715% | 3,728 |
| Credit loss provision to net charge-offs | 350.8772% | 766 |
| Earnings coverage of net charge-offs (x) | 4.8773% | 3,172 |
| Efficiency ratio | 89.1997% | 1,098 |
| Assets per employee ($millions) | 5.5243% | 1,614 |
| Cash dividends to net income (ytd only)* | 67.5001% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 2,971 |
| Loan loss allowance to noncurrent loans | 97.9487% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 3,380 |
| Noncurrent loans to loans | 1.7855% | 3,097 |
| Net loans and leases to total assets | 32.8290% | 6,712 |
| Net loans and leases to deposits | 52.7562% | 5,911 |
| Net loans and leases to core deposits | 56.1164% | 5,878 |
| Total domestic deposits to total assets | 62.2279% | 7,041 |
| Equity capital to assets | 9.0522% | 5,771 |
| Core capital (leverage) ratio | 9.4863% | 4,291 |
| Tier 1 risk-based capital ratio | 13.7353% | 4,737 |
| Total risk-based capital ratio | 14.5783% | 4,971 |
| Memoranda: | ||
| Average total assets | $394,940,000 | 1,679 |
| Average earning assets | $360,900,750 | 1,674 |
| Average equity | $33,529,250 | 2,071 |
| Average total loans | $132,908,500 | 2,854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 6,194 |
| Cost of funding earning assets | 1.2001% | 825 |
| Net interest margin | 2.5793% | 6,839 |
| Noninterest income to average assets | 0.3153% | 5,300 |
| Noninterest expense to average assets | 2.3049% | 5,721 |
| Loan and lease loss provision to assets | 0.3410% | 1,933 |
| Net operating income to assets | 0.0049% | 6,315 |
| Return on assets (ROA) | 0.5482% | 4,868 |
| Pretax return on assets | 0.8236% | 4,390 |
| Return on Equity (ROE) | 6.6016% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.6772% | 4,844 |
| Net charge-offs to loans | 0.1228% | 3,946 |
| Credit loss provision to net charge-offs | 823.1707% | 392 |
| Earnings coverage of net charge-offs (x) | 8.5366% | 2,278 |
| Efficiency ratio | 86.6971% | 1,368 |
| Assets per employee ($millions) | 5.7319% | 1,420 |
| Cash dividends to net income (ytd only)* | 59.4470% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,699 |
| Loan loss allowance to noncurrent loans | 52.9539% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.0981% | 2,669 |
| Noncurrent loans to loans | 3.4954% | 1,642 |
| Net loans and leases to total assets | 33.4129% | 6,753 |
| Net loans and leases to deposits | 54.6676% | 5,804 |
| Net loans and leases to core deposits | 58.2976% | 5,752 |
| Total domestic deposits to total assets | 61.1201% | 7,120 |
| Equity capital to assets | 8.5973% | 6,124 |
| Core capital (leverage) ratio | 9.3974% | 4,300 |
| Tier 1 risk-based capital ratio | 13.8960% | 4,529 |
| Total risk-based capital ratio | 14.8093% | 4,741 |
| Memoranda: | ||
| Average total assets | $395,845,670 | 1,671 |
| Average earning assets | $359,637,330 | 1,681 |
| Average equity | $32,870,670 | 2,094 |
| Average total loans | $133,526,330 | 2,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 6,236 |
| Cost of funding earning assets | 1.2245% | 874 |
| Net interest margin | 2.5776% | 6,889 |
| Noninterest income to average assets | 0.2888% | 5,564 |
| Noninterest expense to average assets | 2.3867% | 5,516 |
| Loan and lease loss provision to assets | 0.6769% | 785 |
| Net operating income to assets | -0.3000% | 6,710 |
| Return on assets (ROA) | 0.4753% | 5,126 |
| Pretax return on assets | 0.6959% | 4,805 |
| Return on Equity (ROE) | 5.8247% | 4,391 |
| Retained earnings to average equity (ytd only) | 1.8678% | 5,309 |
| Net charge-offs to loans | 0.3733% | 2,185 |
| Credit loss provision to net charge-offs | 540.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 1.8560% | 3,410 |
| Efficiency ratio | 91.1179% | 1,008 |
| Assets per employee ($millions) | 5.7427% | 1,483 |
| Cash dividends to net income (ytd only)* | 67.9325% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,972 |
| Loan loss allowance to noncurrent loans | 105.5094% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 3,521 |
| Noncurrent loans to loans | 1.7121% | 3,545 |
| Net loans and leases to total assets | 32.6285% | 6,794 |
| Net loans and leases to deposits | 55.8340% | 5,625 |
| Net loans and leases to core deposits | 59.0723% | 5,618 |
| Total domestic deposits to total assets | 58.4384% | 7,208 |
| Equity capital to assets | 8.0472% | 6,493 |
| Core capital (leverage) ratio | 9.2144% | 4,490 |
| Tier 1 risk-based capital ratio | 14.4650% | 4,137 |
| Total risk-based capital ratio | 15.4063% | 4,322 |
| Memoranda: | ||
| Average total assets | $398,882,500 | 1,665 |
| Average earning assets | $360,643,500 | 1,682 |
| Average equity | $32,551,000 | 2,113 |
| Average total loans | $133,944,500 | 2,873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 6,266 |
| Cost of funding earning assets | 1.3641% | 1,187 |
| Net interest margin | 2.7455% | 6,888 |
| Noninterest income to average assets | 0.2343% | 5,862 |
| Noninterest expense to average assets | 2.3612% | 5,878 |
| Loan and lease loss provision to assets | 0.6347% | 1,608 |
| Net operating income to assets | -0.2165% | 6,275 |
| Return on assets (ROA) | 0.3557% | 5,212 |
| Pretax return on assets | 0.4232% | 5,219 |
| Return on Equity (ROE) | 4.3062% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.0543% | 5,359 |
| Net charge-offs to loans | 1.7459% | 858 |
| Credit loss provision to net charge-offs | 101.0509% | 3,444 |
| Earnings coverage of net charge-offs (x) | 0.5998% | 5,374 |
| Efficiency ratio | 86.2401% | 1,530 |
| Assets per employee ($millions) | 5.4216% | 1,720 |
| Cash dividends to net income (ytd only)* | 75.5175% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,529 |
| Loan loss allowance to noncurrent loans | 51.7942% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7295% | 3,356 |
| Noncurrent loans to loans | 2.6766% | 2,430 |
| Net loans and leases to total assets | 33.4662% | 6,889 |
| Net loans and leases to deposits | 56.3142% | 5,865 |
| Net loans and leases to core deposits | 59.2707% | 5,910 |
| Total domestic deposits to total assets | 59.4276% | 7,234 |
| Equity capital to assets | 8.2756% | 6,370 |
| Core capital (leverage) ratio | 9.2316% | 4,422 |
| Tier 1 risk-based capital ratio | 14.1419% | 4,225 |
| Total risk-based capital ratio | 14.8550% | 4,587 |
| Memoranda: | ||
| Average total assets | $393,906,200 | 1,643 |
| Average earning assets | $359,205,800 | 1,647 |
| Average equity | $32,534,600 | 2,047 |
| Average total loans | $141,701,600 | 2,759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 6,335 |
| Cost of funding earning assets | 1.3812% | 1,314 |
| Net interest margin | 2.7568% | 6,937 |
| Noninterest income to average assets | 0.2552% | 5,798 |
| Noninterest expense to average assets | 2.7267% | 4,627 |
| Loan and lease loss provision to assets | 0.4405% | 2,270 |
| Net operating income to assets | -0.3296% | 6,528 |
| Return on assets (ROA) | 0.3474% | 5,400 |
| Pretax return on assets | 0.3992% | 5,478 |
| Return on Equity (ROE) | 4.2076% | 4,915 |
| Retained earnings to average equity (ytd only) | 0.9236% | 5,634 |
| Net charge-offs to loans | 1.1499% | 1,371 |
| Credit loss provision to net charge-offs | 105.0081% | 3,169 |
| Earnings coverage of net charge-offs (x) | 0.1470% | 5,497 |
| Efficiency ratio | 97.7880% | 746 |
| Assets per employee ($millions) | 5.2644% | 1,853 |
| Cash dividends to net income (ytd only)* | 78.0489% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,820 |
| Loan loss allowance to noncurrent loans | 29.6702% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 2.4486% | 2,632 |
| Noncurrent loans to loans | 4.5122% | 1,431 |
| Net loans and leases to total assets | 35.4262% | 6,891 |
| Net loans and leases to deposits | 59.7494% | 5,660 |
| Net loans and leases to core deposits | 63.7768% | 5,641 |
| Total domestic deposits to total assets | 59.2913% | 7,310 |
| Equity capital to assets | 8.6394% | 6,157 |
| Core capital (leverage) ratio | 9.1792% | 4,662 |
| Tier 1 risk-based capital ratio | 14.5849% | 3,917 |
| Total risk-based capital ratio | 15.3370% | 4,264 |
| Memoranda: | ||
| Average total assets | $393,438,750 | 1,661 |
| Average earning assets | $361,515,000 | 1,640 |
| Average equity | $32,480,000 | 2,044 |
| Average total loans | $143,548,750 | 2,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 6,389 |
| Cost of funding earning assets | 1.4002% | 1,418 |
| Net interest margin | 2.7486% | 6,976 |
| Noninterest income to average assets | 0.2967% | 5,513 |
| Noninterest expense to average assets | 2.5081% | 5,504 |
| Loan and lease loss provision to assets | 0.1018% | 5,036 |
| Net operating income to assets | 0.1899% | 5,772 |
| Return on assets (ROA) | 0.3720% | 5,217 |
| Pretax return on assets | 0.4367% | 5,279 |
| Return on Equity (ROE) | 4.5779% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.2650% | 5,348 |
| Net charge-offs to loans | 0.0333% | 5,385 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 26.5417% | 1,011 |
| Efficiency ratio | 88.5535% | 1,358 |
| Assets per employee ($millions) | 5.4463% | 1,617 |
| Cash dividends to net income (ytd only)* | 72.3666% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 4,648 |
| Loan loss allowance to noncurrent loans | 23.2790% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 3.0951% | 2,170 |
| Noncurrent loans to loans | 5.9469% | 1,011 |
| Net loans and leases to total assets | 35.5618% | 6,982 |
| Net loans and leases to deposits | 61.5336% | 5,558 |
| Net loans and leases to core deposits | 65.3964% | 5,573 |
| Total domestic deposits to total assets | 57.7925% | 7,392 |
| Equity capital to assets | 8.4629% | 6,227 |
| Core capital (leverage) ratio | 9.0649% | 4,618 |
| Tier 1 risk-based capital ratio | 15.8712% | 3,049 |
| Total risk-based capital ratio | 16.7393% | 3,193 |
| Memoranda: | ||
| Average total assets | $392,974,330 | 1,670 |
| Average earning assets | $362,511,670 | 1,651 |
| Average equity | $31,936,330 | 2,070 |
| Average total loans | $144,141,000 | 2,769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 6,169 |
| Cost of funding earning assets | 1.4199% | 1,511 |
| Net interest margin | 2.8209% | 6,876 |
| Noninterest income to average assets | 0.2815% | 5,659 |
| Noninterest expense to average assets | 2.5766% | 5,308 |
| Loan and lease loss provision to assets | 0.1031% | 4,722 |
| Net operating income to assets | 0.2237% | 5,707 |
| Return on assets (ROA) | 0.2753% | 5,580 |
| Pretax return on assets | 0.2691% | 5,752 |
| Return on Equity (ROE) | 3.4619% | 5,164 |
| Retained earnings to average equity (ytd only) | 0.4538% | 5,637 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9324% | 1,423 |
| Assets per employee ($millions) | 5.4979% | 1,578 |
| Cash dividends to net income (ytd only)* | 86.8914% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,910 |
| Loan loss allowance to noncurrent loans | 23.8571% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0981% | 3,197 |
| Noncurrent loans to loans | 5.6500% | 1,155 |
| Net loans and leases to total assets | 34.8272% | 7,057 |
| Net loans and leases to deposits | 62.8682% | 5,403 |
| Net loans and leases to core deposits | 67.6165% | 5,340 |
| Total domestic deposits to total assets | 55.3971% | 7,465 |
| Equity capital to assets | 7.9111% | 6,584 |
| Core capital (leverage) ratio | 9.0017% | 4,610 |
| Tier 1 risk-based capital ratio | 15.5980% | 3,104 |
| Total risk-based capital ratio | 16.4226% | 3,290 |
| Memoranda: | ||
| Average total assets | $387,947,500 | 1,700 |
| Average earning assets | $359,742,500 | 1,672 |
| Average equity | $30,850,500 | 2,122 |
| Average total loans | $143,543,500 | 2,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 6,621 |
| Cost of funding earning assets | 1.4973% | 2,658 |
| Net interest margin | 2.8999% | 6,894 |
| Noninterest income to average assets | 0.0445% | 7,133 |
| Noninterest expense to average assets | 2.3285% | 6,276 |
| Loan and lease loss provision to assets | 0.5471% | 2,951 |
| Net operating income to assets | -0.1318% | 6,025 |
| Return on assets (ROA) | 0.5092% | 4,212 |
| Pretax return on assets | 0.6225% | 4,250 |
| Return on Equity (ROE) | 6.3197% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.7931% | 3,206 |
| Net charge-offs to loans | 1.7825% | 1,189 |
| Credit loss provision to net charge-offs | 84.3137% | 5,376 |
| Earnings coverage of net charge-offs (x) | 0.5976% | 5,506 |
| Efficiency ratio | 85.7223% | 1,721 |
| Assets per employee ($millions) | 4.9207% | 2,259 |
| Cash dividends to net income (ytd only)* | 39.9800% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,108 |
| Loan loss allowance to noncurrent loans | 23.6781% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 2.2477% | 3,032 |
| Noncurrent loans to loans | 5.4051% | 1,218 |
| Net loans and leases to total assets | 38.3748% | 7,059 |
| Net loans and leases to deposits | 61.4236% | 5,902 |
| Net loans and leases to core deposits | 66.2807% | 5,847 |
| Total domestic deposits to total assets | 62.4757% | 7,475 |
| Equity capital to assets | 7.9976% | 6,500 |
| Core capital (leverage) ratio | 8.9603% | 4,606 |
| Tier 1 risk-based capital ratio | 17.0152% | 2,340 |
| Total risk-based capital ratio | 17.8691% | 2,462 |
| Memoranda: | ||
| Average total assets | $392,952,800 | 1,676 |
| Average earning assets | $362,044,000 | 1,657 |
| Average equity | $31,663,000 | 2,072 |
| Average total loans | $143,059,200 | 2,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 6,689 |
| Cost of funding earning assets | 1.4954% | 3,006 |
| Net interest margin | 2.9651% | 6,904 |
| Noninterest income to average assets | -0.1417% | 7,561 |
| Noninterest expense to average assets | 2.3111% | 6,289 |
| Loan and lease loss provision to assets | 0.4846% | 3,050 |
| Net operating income to assets | -0.1544% | 6,252 |
| Return on assets (ROA) | 0.8269% | 3,034 |
| Pretax return on assets | 1.1384% | 2,702 |
| Return on Equity (ROE) | 10.2440% | 2,027 |
| Retained earnings to average equity (ytd only) | 8.1075% | 1,389 |
| Net charge-offs to loans | 1.1994% | 1,699 |
| Credit loss provision to net charge-offs | 112.7527% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.6485% | 5,396 |
| Efficiency ratio | 89.2373% | 1,345 |
| Assets per employee ($millions) | 5.8557% | 1,339 |
| Cash dividends to net income (ytd only)* | 20.8569% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,211 |
| Loan loss allowance to noncurrent loans | 22.8311% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 2,568 |
| Noncurrent loans to loans | 7.3686% | 736 |
| Net loans and leases to total assets | 33.7361% | 7,352 |
| Net loans and leases to deposits | 58.8065% | 6,399 |
| Net loans and leases to core deposits | 65.8597% | 6,135 |
| Total domestic deposits to total assets | 57.3679% | 7,625 |
| Equity capital to assets | 8.1115% | 6,702 |
| Core capital (leverage) ratio | 8.9348% | 4,789 |
| Tier 1 risk-based capital ratio | 16.9057% | 2,372 |
| Total risk-based capital ratio | 17.9923% | 2,408 |
| Memoranda: | ||
| Average total assets | $398,928,750 | 1,679 |
| Average earning assets | $367,513,000 | 1,666 |
| Average equity | $32,200,000 | 2,057 |
| Average total loans | $142,959,500 | 2,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 6,559 |
| Cost of funding earning assets | 1.5361% | 3,031 |
| Net interest margin | 3.0250% | 6,779 |
| Noninterest income to average assets | 0.0208% | 7,459 |
| Noninterest expense to average assets | 2.3558% | 6,197 |
| Loan and lease loss provision to assets | 0.1271% | 5,613 |
| Net operating income to assets | 0.2715% | 5,292 |
| Return on assets (ROA) | 0.4449% | 4,720 |
| Pretax return on assets | 0.5100% | 4,877 |
| Return on Equity (ROE) | 5.5219% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.8937% | 3,611 |
| Net charge-offs to loans | 0.1636% | 4,635 |
| Credit loss provision to net charge-offs | 213.6752% | 1,825 |
| Earnings coverage of net charge-offs (x) | 7.3590% | 2,310 |
| Efficiency ratio | 84.3284% | 1,884 |
| Assets per employee ($millions) | 5.9436% | 1,268 |
| Cash dividends to net income (ytd only)* | 29.4857% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,211 |
| Loan loss allowance to noncurrent loans | 30.0139% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3946% | 3,006 |
| Noncurrent loans to loans | 5.5408% | 1,188 |
| Net loans and leases to total assets | 33.6697% | 7,432 |
| Net loans and leases to deposits | 58.7261% | 6,518 |
| Net loans and leases to core deposits | 66.6933% | 6,191 |
| Total domestic deposits to total assets | 57.3336% | 7,697 |
| Equity capital to assets | 7.9088% | 6,843 |
| Core capital (leverage) ratio | 8.7362% | 5,026 |
| Tier 1 risk-based capital ratio | 16.1279% | 2,616 |
| Total risk-based capital ratio | 17.1892% | 2,665 |
| Memoranda: | ||
| Average total assets | $393,319,330 | 1,713 |
| Average earning assets | $360,530,000 | 1,702 |
| Average equity | $31,692,000 | 2,085 |
| Average total loans | $143,059,330 | 2,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 6,304 |
| Cost of funding earning assets | 1.5934% | 3,003 |
| Net interest margin | 3.0900% | 6,618 |
| Noninterest income to average assets | 0.3498% | 5,341 |
| Noninterest expense to average assets | 2.5165% | 5,671 |
| Loan and lease loss provision to assets | 0.2618% | 3,945 |
| Net operating income to assets | 0.3440% | 5,107 |
| Return on assets (ROA) | 0.4241% | 4,875 |
| Pretax return on assets | 0.4692% | 5,058 |
| Return on Equity (ROE) | 5.2114% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.5515% | 4,020 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6751% | 2,618 |
| Assets per employee ($millions) | 5.7929% | 1,409 |
| Cash dividends to net income (ytd only)* | 31.8519% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 2,982 |
| Loan loss allowance to noncurrent loans | 49.6505% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.4387% | 2,977 |
| Noncurrent loans to loans | 3.4690% | 2,299 |
| Net loans and leases to total assets | 34.9808% | 7,469 |
| Net loans and leases to deposits | 59.3876% | 6,521 |
| Net loans and leases to core deposits | 65.6319% | 6,316 |
| Total domestic deposits to total assets | 58.9026% | 7,770 |
| Equity capital to assets | 7.9015% | 6,753 |
| Core capital (leverage) ratio | 9.0256% | 4,518 |
| Tier 1 risk-based capital ratio | 15.5492% | 2,850 |
| Total risk-based capital ratio | 16.6332% | 2,879 |
| Memoranda: | ||
| Average total assets | $381,952,500 | 1,806 |
| Average earning assets | $347,183,500 | 1,802 |
| Average equity | $31,085,500 | 2,138 |
| Average total loans | $143,362,500 | 3,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 5,638 |
| Cost of funding earning assets | 2.0327% | 2,806 |
| Net interest margin | 3.1699% | 6,184 |
| Noninterest income to average assets | 0.3402% | 5,652 |
| Noninterest expense to average assets | 2.7425% | 5,187 |
| Loan and lease loss provision to assets | 0.4618% | 4,061 |
| Net operating income to assets | 0.0309% | 5,394 |
| Return on assets (ROA) | 0.2812% | 4,695 |
| Pretax return on assets | 0.2379% | 4,922 |
| Return on Equity (ROE) | 4.0505% | 4,072 |
| Retained earnings to average equity (ytd only) | 0.7188% | 4,507 |
| Net charge-offs to loans | 0.7389% | 2,973 |
| Credit loss provision to net charge-offs | 153.8108% | 2,977 |
| Earnings coverage of net charge-offs (x) | 1.4968% | 4,629 |
| Efficiency ratio | 85.9216% | 2,123 |
| Assets per employee ($millions) | 5.0479% | 2,161 |
| Cash dividends to net income (ytd only)* | 82.2549% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,398 |
| Loan loss allowance to noncurrent loans | 44.4710% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 2.8022% | 2,497 |
| Noncurrent loans to loans | 3.5311% | 2,149 |
| Net loans and leases to total assets | 39.1055% | 7,397 |
| Net loans and leases to deposits | 58.6198% | 6,735 |
| Net loans and leases to core deposits | 74.2715% | 6,520 |
| Total domestic deposits to total assets | 66.7104% | 7,615 |
| Equity capital to assets | 8.4068% | 6,049 |
| Core capital (leverage) ratio | 9.4369% | 3,792 |
| Tier 1 risk-based capital ratio | 16.5915% | 2,277 |
| Total risk-based capital ratio | 17.6400% | 2,310 |
| Memoranda: | ||
| Average total assets | $362,737,400 | 1,874 |
| Average earning assets | $326,319,000 | 1,908 |
| Average equity | $25,181,800 | 2,593 |
| Average total loans | $147,380,200 | 2,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 5,393 |
| Cost of funding earning assets | 2.1117% | 2,841 |
| Net interest margin | 3.1941% | 6,045 |
| Noninterest income to average assets | 0.3518% | 5,674 |
| Noninterest expense to average assets | 2.7357% | 5,170 |
| Loan and lease loss provision to assets | 0.4673% | 3,566 |
| Net operating income to assets | 0.0564% | 5,588 |
| Return on assets (ROA) | 0.2829% | 4,955 |
| Pretax return on assets | 0.2433% | 5,205 |
| Return on Equity (ROE) | 4.2987% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.0635% | 4,724 |
| Net charge-offs to loans | 0.7778% | 2,416 |
| Credit loss provision to net charge-offs | 147.0588% | 3,293 |
| Earnings coverage of net charge-offs (x) | 1.5236% | 4,642 |
| Efficiency ratio | 84.9647% | 2,188 |
| Assets per employee ($millions) | 5.6001% | 1,513 |
| Cash dividends to net income (ytd only)* | 75.2592% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 3,791 |
| Loan loss allowance to noncurrent loans | 41.1025% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 2,655 |
| Noncurrent loans to loans | 3.4756% | 2,152 |
| Net loans and leases to total assets | 39.0116% | 7,502 |
| Net loans and leases to deposits | 58.7626% | 6,914 |
| Net loans and leases to core deposits | 75.5827% | 6,640 |
| Total domestic deposits to total assets | 66.3884% | 7,661 |
| Equity capital to assets | 7.1568% | 7,521 |
| Core capital (leverage) ratio | 8.1661% | 6,074 |
| Tier 1 risk-based capital ratio | 14.0324% | 3,531 |
| Total risk-based capital ratio | 14.9826% | 3,644 |
| Memoranda: | ||
| Average total assets | $363,821,750 | 1,880 |
| Average earning assets | $326,677,500 | 1,917 |
| Average equity | $23,944,750 | 2,768 |
| Average total loans | $148,627,750 | 2,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 4,999 |
| Cost of funding earning assets | 2.1948% | 2,820 |
| Net interest margin | 3.2329% | 5,791 |
| Noninterest income to average assets | 0.3359% | 5,822 |
| Noninterest expense to average assets | 2.7480% | 5,186 |
| Loan and lease loss provision to assets | 0.1787% | 5,259 |
| Net operating income to assets | 0.2656% | 5,028 |
| Return on assets (ROA) | 0.4355% | 4,470 |
| Pretax return on assets | 0.4981% | 4,623 |
| Return on Equity (ROE) | 6.8151% | 3,281 |
| Retained earnings to average equity (ytd only) | 2.3749% | 4,012 |
| Net charge-offs to loans | 1.1029% | 1,642 |
| Credit loss provision to net charge-offs | 39.2512% | 5,914 |
| Earnings coverage of net charge-offs (x) | 1.0580% | 4,728 |
| Efficiency ratio | 85.0868% | 2,345 |
| Assets per employee ($millions) | 5.0976% | 1,972 |
| Cash dividends to net income (ytd only)* | 65.1515% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 7,153 |
| Loan loss allowance to noncurrent loans | 62.7945% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 3,243 |
| Noncurrent loans to loans | 1.2741% | 4,651 |
| Net loans and leases to total assets | 37.1668% | 7,669 |
| Net loans and leases to deposits | 62.9441% | 6,659 |
| Net loans and leases to core deposits | 75.9353% | 6,679 |
| Total domestic deposits to total assets | 59.0473% | 7,961 |
| Equity capital to assets | 6.3250% | 7,859 |
| Core capital (leverage) ratio | 7.9278% | 6,446 |
| Tier 1 risk-based capital ratio | 13.2910% | 3,942 |
| Total risk-based capital ratio | 13.7908% | 4,413 |
| Memoranda: | ||
| Average total assets | $363,760,670 | 1,901 |
| Average earning assets | $325,588,670 | 1,944 |
| Average equity | $23,242,670 | 2,841 |
| Average total loans | $150,149,670 | 2,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5448% | 4,667 |
| Cost of funding earning assets | 2.2671% | 2,850 |
| Net interest margin | 3.2777% | 5,584 |
| Noninterest income to average assets | 0.3160% | 5,915 |
| Noninterest expense to average assets | 3.0952% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1432% | 5,846 |
| Return on assets (ROA) | 0.4593% | 4,793 |
| Pretax return on assets | 0.5304% | 4,974 |
| Return on Equity (ROE) | 7.1488% | 3,534 |
| Retained earnings to average equity (ytd only) | 2.6171% | 4,429 |
| Net charge-offs to loans | -0.0391% | 7,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8807% | 1,384 |
| Assets per employee ($millions) | 4.8957% | 2,186 |
| Cash dividends to net income (ytd only)* | 63.3907% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,777 |
| Loan loss allowance to noncurrent loans | 24.1544% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 2.1886% | 2,613 |
| Noncurrent loans to loans | 4.3716% | 1,332 |
| Net loans and leases to total assets | 41.9064% | 7,472 |
| Net loans and leases to deposits | 70.3181% | 5,949 |
| Net loans and leases to core deposits | 83.7921% | 6,075 |
| Total domestic deposits to total assets | 59.5955% | 7,976 |
| Equity capital to assets | 5.9749% | 8,002 |
| Core capital (leverage) ratio | 8.1363% | 6,214 |
| Tier 1 risk-based capital ratio | 14.4138% | 3,352 |
| Total risk-based capital ratio | 15.2111% | 3,537 |
| Memoranda: | ||
| Average total assets | $354,480,000 | 1,962 |
| Average earning assets | $318,639,500 | 2,001 |
| Average equity | $22,773,000 | 2,894 |
| Average total loans | $153,603,000 | 2,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 7,105 |
| Cost of funding earning assets | 2.6538% | 3,399 |
| Net interest margin | 2.9345% | 7,067 |
| Noninterest income to average assets | 0.6049% | 3,809 |
| Noninterest expense to average assets | 2.5346% | 5,874 |
| Loan and lease loss provision to assets | 0.6550% | 2,221 |
| Net operating income to assets | 0.0681% | 6,187 |
| Return on assets (ROA) | 0.5682% | 4,308 |
| Pretax return on assets | 0.6972% | 4,407 |
| Return on Equity (ROE) | 7.1017% | 3,474 |
| Retained earnings to average equity (ytd only) | 0.8586% | 4,709 |
| Net charge-offs to loans | 1.4376% | 812 |
| Credit loss provision to net charge-offs | 100.7613% | 5,264 |
| Earnings coverage of net charge-offs (x) | 1.1420% | 5,554 |
| Efficiency ratio | 77.3474% | 3,028 |
| Assets per employee ($millions) | 3.9634% | 3,592 |
| Cash dividends to net income (ytd only)* | 87.9098% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,264 |
| Loan loss allowance to noncurrent loans | 23.9785% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 1,919 |
| Noncurrent loans to loans | 4.5963% | 1,032 |
| Net loans and leases to total assets | 43.9229% | 7,473 |
| Net loans and leases to deposits | 67.9964% | 6,463 |
| Net loans and leases to core deposits | 79.1348% | 6,681 |
| Total domestic deposits to total assets | 64.5959% | 7,750 |
| Equity capital to assets | 6.9207% | 7,769 |
| Core capital (leverage) ratio | 8.8684% | 4,939 |
| Tier 1 risk-based capital ratio | 15.7269% | 2,768 |
| Total risk-based capital ratio | 16.5933% | 2,839 |
| Memoranda: | ||
| Average total assets | $343,520,600 | 1,935 |
| Average earning assets | $312,795,400 | 1,949 |
| Average equity | $27,486,400 | 2,442 |
| Average total loans | $155,326,000 | 2,843 |