Home > iAB Merger Bank > Performance and Condition Ratios
iAB Merger 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 | 3.9465% | 3,940 |
| Cost of funding earning assets | 0.3680% | 4,058 |
| Net interest margin | 3.5785% | 3,477 |
| Noninterest income to average assets | 0.1045% | 6,138 |
| Noninterest expense to average assets | 2.8516% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4238% | 5,137 |
| Return on assets (ROA) | 0.4238% | 5,212 |
| Pretax return on assets | 0.3687% | 5,563 |
| Return on Equity (ROE) | 2.3059% | 5,688 |
| Retained earnings to average equity (ytd only) | -0.1937% | 5,802 |
| Net charge-offs to loans | 0.2252% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.5667% | 3,858 |
| Efficiency ratio | 88.5521% | 943 |
| Assets per employee ($millions) | 8.0920% | 522 |
| Cash dividends to net income (ytd only)* | 108.4011% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,939 |
| Loan loss allowance to noncurrent loans | 126.5873% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 3,755 |
| Noncurrent loans to loans | 1.3003% | 2,275 |
| Net loans and leases to total assets | 42.8268% | 5,556 |
| Net loans and leases to deposits | 54.2849% | 5,311 |
| Net loans and leases to core deposits | 56.1453% | 5,374 |
| Total domestic deposits to total assets | 78.8927% | 5,266 |
| Equity capital to assets | 17.7381% | 336 |
| Core capital (leverage) ratio | 18.8693% | 252 |
| Tier 1 risk-based capital ratio | 36.9297% | 286 |
| Total risk-based capital ratio | 38.1823% | 279 |
| Memoranda: | ||
| Average total assets | $87,074,200 | 4,907 |
| Average earning assets | $75,814,600 | 4,995 |
| Average equity | $16,002,200 | 3,666 |
| Average total loans | $39,963,000 | 5,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,722 |
| Cost of funding earning assets | 0.3757% | 4,065 |
| Net interest margin | 3.6328% | 3,297 |
| Noninterest income to average assets | 0.1078% | 6,220 |
| Noninterest expense to average assets | 2.1588% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8500% | 3,179 |
| Return on assets (ROA) | 0.8500% | 3,271 |
| Pretax return on assets | 1.0902% | 3,229 |
| Return on Equity (ROE) | 4.5840% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.5840% | 3,374 |
| Net charge-offs to loans | 0.2815% | 1,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3295% | 2,820 |
| Efficiency ratio | 66.4455% | 4,149 |
| Assets per employee ($millions) | 7.1463% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 2,372 |
| Loan loss allowance to noncurrent loans | 153.8278% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 3,764 |
| Noncurrent loans to loans | 1.0275% | 3,018 |
| Net loans and leases to total assets | 46.6871% | 5,320 |
| Net loans and leases to deposits | 60.0381% | 4,936 |
| Net loans and leases to core deposits | 62.9711% | 4,970 |
| Total domestic deposits to total assets | 77.7625% | 5,573 |
| Equity capital to assets | 19.0307% | 269 |
| Core capital (leverage) ratio | 19.6054% | 225 |
| Tier 1 risk-based capital ratio | 36.3406% | 313 |
| Total risk-based capital ratio | 37.5929% | 306 |
| Memoranda: | ||
| Average total assets | $86,589,750 | 4,967 |
| Average earning assets | $74,872,000 | 5,071 |
| Average equity | $16,055,500 | 3,682 |
| Average total loans | $40,264,000 | 5,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,878 |
| Cost of funding earning assets | 0.3718% | 4,188 |
| Net interest margin | 3.5919% | 3,390 |
| Noninterest income to average assets | 0.1105% | 6,242 |
| Noninterest expense to average assets | 2.1182% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8703% | 2,954 |
| Return on assets (ROA) | 0.8703% | 3,046 |
| Pretax return on assets | 1.0844% | 3,162 |
| Return on Equity (ROE) | 4.7347% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.7347% | 3,124 |
| Net charge-offs to loans | 0.0548% | 3,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 42.8182% | 1,010 |
| Efficiency ratio | 66.1395% | 4,350 |
| Assets per employee ($millions) | 7.3025% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,892 |
| Loan loss allowance to noncurrent loans | 107.3353% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 3,083 |
| Noncurrent loans to loans | 1.6591% | 2,089 |
| Net loans and leases to total assets | 45.1284% | 5,450 |
| Net loans and leases to deposits | 57.5081% | 5,083 |
| Net loans and leases to core deposits | 60.2817% | 5,115 |
| Total domestic deposits to total assets | 78.4731% | 5,557 |
| Equity capital to assets | 18.4252% | 300 |
| Core capital (leverage) ratio | 19.5118% | 221 |
| Tier 1 risk-based capital ratio | 36.0576% | 318 |
| Total risk-based capital ratio | 37.1976% | 317 |
| Memoranda: | ||
| Average total assets | $86,867,670 | 5,004 |
| Average earning assets | $74,780,000 | 5,116 |
| Average equity | $15,967,330 | 3,698 |
| Average total loans | $40,125,330 | 5,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,625 |
| Cost of funding earning assets | 0.3732% | 4,274 |
| Net interest margin | 3.6411% | 3,094 |
| Noninterest income to average assets | 0.1017% | 6,327 |
| Noninterest expense to average assets | 1.9610% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0175% | 2,141 |
| Return on assets (ROA) | 1.0175% | 2,206 |
| Pretax return on assets | 1.2996% | 2,093 |
| Return on Equity (ROE) | 5.5423% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.5423% | 2,768 |
| Net charge-offs to loans | 0.0200% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 352 |
| Efficiency ratio | 60.1418% | 5,389 |
| Assets per employee ($millions) | 7.1900% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 1,906 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 3,349 |
| Noncurrent loans to loans | 1.8480% | 2,071 |
| Net loans and leases to total assets | 44.6917% | 5,452 |
| Net loans and leases to deposits | 57.0532% | 5,029 |
| Net loans and leases to core deposits | 59.8498% | 5,054 |
| Total domestic deposits to total assets | 78.3333% | 5,779 |
| Equity capital to assets | 18.5304% | 288 |
| Core capital (leverage) ratio | 19.4716% | 230 |
| Tier 1 risk-based capital ratio | 35.8365% | 323 |
| Total risk-based capital ratio | 37.0917% | 315 |
| Memoranda: | ||
| Average total assets | $86,486,500 | 5,056 |
| Average earning assets | $75,033,000 | 5,146 |
| Average equity | $15,878,000 | 3,724 |
| Average total loans | $40,056,500 | 5,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 4,078 |
| Cost of funding earning assets | 0.3999% | 4,657 |
| Net interest margin | 3.6026% | 3,457 |
| Noninterest income to average assets | 0.1095% | 6,353 |
| Noninterest expense to average assets | 2.4009% | 5,070 |
| Loan and lease loss provision to assets | 0.0577% | 3,991 |
| Net operating income to assets | 0.7438% | 3,587 |
| Return on assets (ROA) | 0.7438% | 3,675 |
| Pretax return on assets | 0.8822% | 3,839 |
| Return on Equity (ROE) | 4.1382% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.5719% | 5,103 |
| Net charge-offs to loans | 0.1421% | 3,381 |
| Credit loss provision to net charge-offs | 87.7193% | 2,828 |
| Earnings coverage of net charge-offs (x) | 14.2982% | 1,955 |
| Efficiency ratio | 71.8674% | 3,503 |
| Assets per employee ($millions) | 7.2244% | 678 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,119 |
| Loan loss allowance to noncurrent loans | 109.4737% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 3,698 |
| Noncurrent loans to loans | 1.6288% | 2,455 |
| Net loans and leases to total assets | 46.2540% | 5,466 |
| Net loans and leases to deposits | 58.7376% | 5,057 |
| Net loans and leases to core deposits | 61.5818% | 5,097 |
| Total domestic deposits to total assets | 78.7468% | 5,698 |
| Equity capital to assets | 18.1883% | 305 |
| Core capital (leverage) ratio | 19.2145% | 228 |
| Tier 1 risk-based capital ratio | 34.9447% | 335 |
| Total risk-based capital ratio | 36.1997% | 325 |
| Memoranda: | ||
| Average total assets | $86,719,000 | 5,060 |
| Average earning assets | $77,776,600 | 5,097 |
| Average equity | $15,586,400 | 3,768 |
| Average total loans | $40,105,000 | 5,339 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 4,296 |
| Cost of funding earning assets | 0.4039% | 4,792 |
| Net interest margin | 3.5520% | 3,647 |
| Noninterest income to average assets | 0.1091% | 6,457 |
| Noninterest expense to average assets | 2.1569% | 5,709 |
| Loan and lease loss provision to assets | 0.0769% | 3,524 |
| Net operating income to assets | 0.8625% | 3,038 |
| Return on assets (ROA) | 0.8625% | 3,147 |
| Pretax return on assets | 1.0792% | 3,195 |
| Return on Equity (ROE) | 4.8129% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.8129% | 3,221 |
| Net charge-offs to loans | 0.0768% | 3,844 |
| Credit loss provision to net charge-offs | 217.3913% | 1,116 |
| Earnings coverage of net charge-offs (x) | 32.6912% | 1,159 |
| Efficiency ratio | 65.1044% | 4,629 |
| Assets per employee ($millions) | 7.7674% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 1,957 |
| Loan loss allowance to noncurrent loans | 131.1532% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 4,070 |
| Noncurrent loans to loans | 1.4603% | 2,977 |
| Net loans and leases to total assets | 45.6748% | 5,580 |
| Net loans and leases to deposits | 58.5644% | 5,129 |
| Net loans and leases to core deposits | 61.4673% | 5,169 |
| Total domestic deposits to total assets | 77.9907% | 5,906 |
| Equity capital to assets | 18.5098% | 293 |
| Core capital (leverage) ratio | 19.4148% | 220 |
| Tier 1 risk-based capital ratio | 36.7610% | 291 |
| Total risk-based capital ratio | 38.0172% | 288 |
| Memoranda: | ||
| Average total assets | $86,725,500 | 5,105 |
| Average earning assets | $78,225,750 | 5,128 |
| Average equity | $15,541,000 | 3,822 |
| Average total loans | $39,924,500 | 5,401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,657 |
| Cost of funding earning assets | 0.4055% | 4,887 |
| Net interest margin | 3.4427% | 4,031 |
| Noninterest income to average assets | 0.1079% | 6,503 |
| Noninterest expense to average assets | 2.1984% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8973% | 2,813 |
| Return on assets (ROA) | 0.8973% | 2,957 |
| Pretax return on assets | 1.0464% | 3,308 |
| Return on Equity (ROE) | 5.0616% | 4,693 |
| Retained earnings to average equity (ytd only) | 5.0616% | 3,014 |
| Net charge-offs to loans | 0.0100% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 229 |
| Efficiency ratio | 67.7511% | 4,228 |
| Assets per employee ($millions) | 7.3318% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,345 |
| Loan loss allowance to noncurrent loans | 68.3769% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 3,317 |
| Noncurrent loans to loans | 2.6706% | 1,709 |
| Net loans and leases to total assets | 44.7910% | 5,663 |
| Net loans and leases to deposits | 56.8617% | 5,258 |
| Net loans and leases to core deposits | 59.6197% | 5,293 |
| Total domestic deposits to total assets | 78.7718% | 5,837 |
| Equity capital to assets | 17.7820% | 339 |
| Core capital (leverage) ratio | 19.2455% | 224 |
| Tier 1 risk-based capital ratio | 34.4430% | 353 |
| Total risk-based capital ratio | 35.6961% | 348 |
| Memoranda: | ||
| Average total assets | $87,153,670 | 5,127 |
| Average earning assets | $79,414,000 | 5,135 |
| Average equity | $15,449,670 | 3,866 |
| Average total loans | $39,970,330 | 5,426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 4,034 |
| Cost of funding earning assets | 0.4101% | 5,010 |
| Net interest margin | 3.6108% | 3,215 |
| Noninterest income to average assets | 0.1015% | 6,571 |
| Noninterest expense to average assets | 2.3104% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9039% | 2,638 |
| Return on assets (ROA) | 0.9039% | 2,782 |
| Pretax return on assets | 1.1206% | 2,879 |
| Return on Equity (ROE) | 5.1068% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.1068% | 3,171 |
| Net charge-offs to loans | -0.1003% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3387% | 4,436 |
| Assets per employee ($millions) | 7.8968% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,386 |
| Loan loss allowance to noncurrent loans | 91.6359% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9935% | 3,937 |
| Noncurrent loans to loans | 2.0424% | 2,576 |
| Net loans and leases to total assets | 44.9675% | 5,553 |
| Net loans and leases to deposits | 57.1167% | 5,128 |
| Net loans and leases to core deposits | 59.2381% | 5,223 |
| Total domestic deposits to total assets | 78.7291% | 6,007 |
| Equity capital to assets | 17.7862% | 352 |
| Core capital (leverage) ratio | 19.0526% | 236 |
| Tier 1 risk-based capital ratio | 37.2300% | 286 |
| Total risk-based capital ratio | 38.4852% | 280 |
| Memoranda: | ||
| Average total assets | $86,739,500 | 5,179 |
| Average earning assets | $79,981,500 | 5,154 |
| Average equity | $15,352,000 | 3,933 |
| Average total loans | $39,885,000 | 5,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 4,626 |
| Cost of funding earning assets | 0.4807% | 5,345 |
| Net interest margin | 3.7104% | 3,604 |
| Noninterest income to average assets | 0.1232% | 6,418 |
| Noninterest expense to average assets | 2.3900% | 5,433 |
| Loan and lease loss provision to assets | 0.0592% | 5,034 |
| Net operating income to assets | 0.8875% | 2,880 |
| Return on assets (ROA) | 0.8875% | 3,118 |
| Pretax return on assets | 1.2134% | 2,758 |
| Return on Equity (ROE) | 4.9204% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.2927% | 4,621 |
| Net charge-offs to loans | 0.3049% | 3,119 |
| Credit loss provision to net charge-offs | 40.3226% | 4,930 |
| Earnings coverage of net charge-offs (x) | 8.6613% | 2,372 |
| Efficiency ratio | 65.2540% | 4,658 |
| Assets per employee ($millions) | 7.8740% | 533 |
| Cash dividends to net income (ytd only)* | 53.4045% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 2,468 |
| Loan loss allowance to noncurrent loans | 117.2249% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 4,503 |
| Noncurrent loans to loans | 1.5689% | 3,269 |
| Net loans and leases to total assets | 45.2918% | 5,694 |
| Net loans and leases to deposits | 57.3188% | 5,312 |
| Net loans and leases to core deposits | 60.1220% | 5,351 |
| Total domestic deposits to total assets | 79.0172% | 5,885 |
| Equity capital to assets | 17.6115% | 355 |
| Core capital (leverage) ratio | 18.9027% | 238 |
| Tier 1 risk-based capital ratio | 37.4249% | 283 |
| Total risk-based capital ratio | 38.6812% | 279 |
| Memoranda: | ||
| Average total assets | $84,393,800 | 5,237 |
| Average earning assets | $80,503,800 | 5,111 |
| Average equity | $15,222,400 | 3,909 |
| Average total loans | $40,663,400 | 5,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 4,806 |
| Cost of funding earning assets | 0.4918% | 5,494 |
| Net interest margin | 3.7120% | 3,740 |
| Noninterest income to average assets | 0.1240% | 6,514 |
| Noninterest expense to average assets | 2.0849% | 6,198 |
| Loan and lease loss provision to assets | 0.0795% | 4,638 |
| Net operating income to assets | 1.0719% | 2,201 |
| Return on assets (ROA) | 1.0719% | 2,409 |
| Pretax return on assets | 1.5124% | 1,835 |
| Return on Equity (ROE) | 5.9065% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.9065% | 2,759 |
| Net charge-offs to loans | 0.3624% | 2,652 |
| Credit loss provision to net charge-offs | 45.0450% | 4,512 |
| Earnings coverage of net charge-offs (x) | 9.0178% | 2,374 |
| Efficiency ratio | 56.7042% | 5,965 |
| Assets per employee ($millions) | 7.7070% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,720 |
| Loan loss allowance to noncurrent loans | 143.0210% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 5,130 |
| Noncurrent loans to loans | 1.2745% | 3,916 |
| Net loans and leases to total assets | 47.5211% | 5,605 |
| Net loans and leases to deposits | 60.7950% | 5,112 |
| Net loans and leases to core deposits | 63.8635% | 5,162 |
| Total domestic deposits to total assets | 78.1662% | 6,041 |
| Equity capital to assets | 18.3764% | 334 |
| Core capital (leverage) ratio | 19.6164% | 224 |
| Tier 1 risk-based capital ratio | 38.8575% | 267 |
| Total risk-based capital ratio | 40.1129% | 264 |
| Memoranda: | ||
| Average total assets | $83,838,750 | 5,302 |
| Average earning assets | $80,243,250 | 5,170 |
| Average equity | $15,214,500 | 3,953 |
| Average total loans | $40,838,250 | 5,533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 4,865 |
| Cost of funding earning assets | 0.5013% | 5,608 |
| Net interest margin | 3.7220% | 3,717 |
| Noninterest income to average assets | 0.1293% | 6,541 |
| Noninterest expense to average assets | 2.2245% | 5,940 |
| Loan and lease loss provision to assets | 0.1197% | 4,032 |
| Net operating income to assets | 0.9410% | 2,708 |
| Return on assets (ROA) | 0.9410% | 2,970 |
| Pretax return on assets | 1.3409% | 2,420 |
| Return on Equity (ROE) | 5.2077% | 4,703 |
| Retained earnings to average equity (ytd only) | 5.2077% | 3,151 |
| Net charge-offs to loans | 0.5543% | 1,930 |
| Credit loss provision to net charge-offs | 44.2478% | 4,163 |
| Earnings coverage of net charge-offs (x) | 5.3982% | 2,849 |
| Efficiency ratio | 60.3639% | 5,520 |
| Assets per employee ($millions) | 7.7069% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,776 |
| Loan loss allowance to noncurrent loans | 154.6584% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 5,336 |
| Noncurrent loans to loans | 1.1783% | 4,184 |
| Net loans and leases to total assets | 47.4722% | 5,666 |
| Net loans and leases to deposits | 60.4861% | 5,198 |
| Net loans and leases to core deposits | 63.5832% | 5,247 |
| Total domestic deposits to total assets | 78.4845% | 6,062 |
| Equity capital to assets | 18.0452% | 339 |
| Core capital (leverage) ratio | 19.4028% | 227 |
| Tier 1 risk-based capital ratio | 39.7137% | 235 |
| Total risk-based capital ratio | 40.9701% | 230 |
| Memoranda: | ||
| Average total assets | $83,526,000 | 5,334 |
| Average earning assets | $79,795,000 | 5,213 |
| Average equity | $15,093,000 | 3,970 |
| Average total loans | $40,772,670 | 5,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 5,214 |
| Cost of funding earning assets | 0.5248% | 5,642 |
| Net interest margin | 3.6436% | 4,073 |
| Noninterest income to average assets | 0.1303% | 6,596 |
| Noninterest expense to average assets | 2.2678% | 5,861 |
| Loan and lease loss provision to assets | 0.2413% | 2,535 |
| Net operating income to assets | 0.8251% | 3,275 |
| Return on assets (ROA) | 0.8251% | 3,503 |
| Pretax return on assets | 1.1049% | 3,306 |
| Return on Equity (ROE) | 4.5629% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.5629% | 3,844 |
| Net charge-offs to loans | 0.2853% | 2,529 |
| Credit loss provision to net charge-offs | 172.4138% | 1,480 |
| Earnings coverage of net charge-offs (x) | 9.6207% | 1,825 |
| Efficiency ratio | 62.7503% | 5,142 |
| Assets per employee ($millions) | 7.6848% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 2,289 |
| Loan loss allowance to noncurrent loans | 141.3969% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,160 |
| Noncurrent loans to loans | 1.4308% | 3,965 |
| Net loans and leases to total assets | 47.5507% | 5,617 |
| Net loans and leases to deposits | 60.3516% | 5,108 |
| Net loans and leases to core deposits | 63.4306% | 5,179 |
| Total domestic deposits to total assets | 78.7893% | 6,123 |
| Equity capital to assets | 17.8345% | 348 |
| Core capital (leverage) ratio | 19.4589% | 222 |
| Tier 1 risk-based capital ratio | 40.2925% | 225 |
| Total risk-based capital ratio | 41.5523% | 222 |
| Memoranda: | ||
| Average total assets | $82,901,000 | 5,388 |
| Average earning assets | $79,261,500 | 5,261 |
| Average equity | $14,990,500 | 3,991 |
| Average total loans | $40,663,000 | 5,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 5,291 |
| Cost of funding earning assets | 0.6448% | 5,855 |
| Net interest margin | 3.7908% | 3,874 |
| Noninterest income to average assets | 0.1379% | 6,464 |
| Noninterest expense to average assets | 2.6689% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7861% | 3,106 |
| Return on assets (ROA) | 0.7861% | 3,264 |
| Pretax return on assets | 1.0979% | 2,846 |
| Return on Equity (ROE) | 4.1503% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.5277% | 5,124 |
| Net charge-offs to loans | 0.0425% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 538 |
| Efficiency ratio | 70.8539% | 3,806 |
| Assets per employee ($millions) | 7.3881% | 599 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 2,253 |
| Loan loss allowance to noncurrent loans | 104.5220% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 4,704 |
| Noncurrent loans to loans | 1.9206% | 3,313 |
| Net loans and leases to total assets | 48.5929% | 5,766 |
| Net loans and leases to deposits | 62.2425% | 5,209 |
| Net loans and leases to core deposits | 65.5757% | 5,311 |
| Total domestic deposits to total assets | 78.0704% | 6,177 |
| Equity capital to assets | 18.3403% | 325 |
| Core capital (leverage) ratio | 19.7624% | 212 |
| Tier 1 risk-based capital ratio | 40.5756% | 222 |
| Total risk-based capital ratio | 41.8349% | 217 |
| Memoranda: | ||
| Average total assets | $80,519,200 | 5,445 |
| Average earning assets | $77,082,000 | 5,313 |
| Average equity | $15,251,800 | 3,856 |
| Average total loans | $40,045,200 | 5,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 5,607 |
| Cost of funding earning assets | 0.6604% | 5,982 |
| Net interest margin | 3.7368% | 4,180 |
| Noninterest income to average assets | 0.1361% | 6,574 |
| Noninterest expense to average assets | 2.3286% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9577% | 2,494 |
| Return on assets (ROA) | 0.9577% | 2,665 |
| Pretax return on assets | 1.3859% | 1,982 |
| Return on Equity (ROE) | 5.0155% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.0155% | 3,160 |
| Net charge-offs to loans | 0.0500% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 55.6655% | 589 |
| Efficiency ratio | 62.6899% | 5,295 |
| Assets per employee ($millions) | 7.2278% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 2,495 |
| Loan loss allowance to noncurrent loans | 173.6617% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,620 |
| Noncurrent loans to loans | 1.1187% | 4,678 |
| Net loans and leases to total assets | 51.4842% | 5,516 |
| Net loans and leases to deposits | 66.2968% | 4,858 |
| Net loans and leases to core deposits | 69.9399% | 4,953 |
| Total domestic deposits to total assets | 77.6570% | 6,263 |
| Equity capital to assets | 19.6639% | 264 |
| Core capital (leverage) ratio | 20.2745% | 207 |
| Tier 1 risk-based capital ratio | 41.1290% | 227 |
| Total risk-based capital ratio | 42.3885% | 223 |
| Memoranda: | ||
| Average total assets | $80,331,750 | 5,494 |
| Average earning assets | $76,927,250 | 5,359 |
| Average equity | $15,338,500 | 3,854 |
| Average total loans | $39,981,500 | 5,746 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 5,791 |
| Cost of funding earning assets | 0.6683% | 6,131 |
| Net interest margin | 3.7018% | 4,252 |
| Noninterest income to average assets | 0.1365% | 6,645 |
| Noninterest expense to average assets | 2.3497% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9329% | 2,505 |
| Return on assets (ROA) | 0.9329% | 2,609 |
| Pretax return on assets | 1.3324% | 2,029 |
| Return on Equity (ROE) | 4.9344% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.9344% | 3,044 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8140% | 5,276 |
| Assets per employee ($millions) | 7.3333% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 2,328 |
| Loan loss allowance to noncurrent loans | 194.3529% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 5,573 |
| Noncurrent loans to loans | 1.0365% | 4,923 |
| Net loans and leases to total assets | 49.8091% | 5,844 |
| Net loans and leases to deposits | 63.5965% | 5,330 |
| Net loans and leases to core deposits | 66.4434% | 5,453 |
| Total domestic deposits to total assets | 78.3205% | 6,227 |
| Equity capital to assets | 19.1307% | 312 |
| Core capital (leverage) ratio | 20.1223% | 215 |
| Tier 1 risk-based capital ratio | 41.7740% | 218 |
| Total risk-based capital ratio | 43.0355% | 217 |
| Memoranda: | ||
| Average total assets | $80,607,000 | 5,532 |
| Average earning assets | $77,206,670 | 5,391 |
| Average equity | $15,240,000 | 3,866 |
| Average total loans | $39,394,000 | 5,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 6,208 |
| Cost of funding earning assets | 0.6833% | 6,232 |
| Net interest margin | 3.5462% | 4,826 |
| Noninterest income to average assets | 0.1241% | 6,797 |
| Noninterest expense to average assets | 2.2984% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8737% | 2,689 |
| Return on assets (ROA) | 0.8737% | 2,745 |
| Pretax return on assets | 1.2261% | 2,290 |
| Return on Equity (ROE) | 4.6487% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.6487% | 3,401 |
| Net charge-offs to loans | -0.0104% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2113% | 5,165 |
| Assets per employee ($millions) | 7.3620% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 2,077 |
| Loan loss allowance to noncurrent loans | 362.7193% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 6,163 |
| Noncurrent loans to loans | 0.5930% | 5,840 |
| Net loans and leases to total assets | 46.4597% | 6,244 |
| Net loans and leases to deposits | 59.0838% | 5,816 |
| Net loans and leases to core deposits | 61.9580% | 5,931 |
| Total domestic deposits to total assets | 78.6335% | 6,266 |
| Equity capital to assets | 18.8091% | 317 |
| Core capital (leverage) ratio | 19.6808% | 245 |
| Tier 1 risk-based capital ratio | 44.4644% | 180 |
| Total risk-based capital ratio | 45.7288% | 179 |
| Memoranda: | ||
| Average total assets | $80,577,500 | 5,578 |
| Average earning assets | $77,266,500 | 5,435 |
| Average equity | $15,144,000 | 3,875 |
| Average total loans | $38,588,500 | 5,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 6,609 |
| Cost of funding earning assets | 0.7379% | 6,769 |
| Net interest margin | 3.6677% | 4,498 |
| Noninterest income to average assets | 0.1476% | 6,655 |
| Noninterest expense to average assets | 2.6795% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7332% | 3,081 |
| Return on assets (ROA) | 0.7332% | 3,206 |
| Pretax return on assets | 0.9719% | 3,023 |
| Return on Equity (ROE) | 2.6171% | 5,122 |
| Retained earnings to average equity (ytd only) | -43.0498% | 7,371 |
| Net charge-offs to loans | 0.0395% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 443 |
| Efficiency ratio | 73.3827% | 3,509 |
| Assets per employee ($millions) | 7.2885% | 650 |
| Cash dividends to net income (ytd only)* | 1,744.9664% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,997 |
| Loan loss allowance to noncurrent loans | 764.8148% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 6,572 |
| Noncurrent loans to loans | 0.2789% | 6,500 |
| Net loans and leases to total assets | 47.2728% | 6,453 |
| Net loans and leases to deposits | 60.0225% | 6,055 |
| Net loans and leases to core deposits | 62.2577% | 6,219 |
| Total domestic deposits to total assets | 78.7584% | 6,147 |
| Equity capital to assets | 18.7794% | 324 |
| Core capital (leverage) ratio | 18.8315% | 287 |
| Tier 1 risk-based capital ratio | 42.6729% | 199 |
| Total risk-based capital ratio | 43.9354% | 191 |
| Memoranda: | ||
| Average total assets | $81,283,200 | 5,559 |
| Average earning assets | $77,651,200 | 5,426 |
| Average equity | $22,773,600 | 2,794 |
| Average total loans | $37,966,200 | 6,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 6,815 |
| Cost of funding earning assets | 0.7474% | 6,926 |
| Net interest margin | 3.6545% | 4,612 |
| Noninterest income to average assets | 0.1422% | 6,841 |
| Noninterest expense to average assets | 2.4243% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8550% | 2,796 |
| Return on assets (ROA) | 0.8550% | 2,926 |
| Pretax return on assets | 1.2032% | 2,472 |
| Return on Equity (ROE) | 2.8228% | 5,295 |
| Retained earnings to average equity (ytd only) | 0.6639% | 5,538 |
| Net charge-offs to loans | 0.0741% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 35.0468% | 770 |
| Efficiency ratio | 66.8319% | 4,691 |
| Assets per employee ($millions) | 7.4331% | 638 |
| Cash dividends to net income (ytd only)* | 76.4814% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 1,828 |
| Loan loss allowance to noncurrent loans | 371.0407% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 6,435 |
| Noncurrent loans to loans | 0.5904% | 6,035 |
| Net loans and leases to total assets | 44.7813% | 6,788 |
| Net loans and leases to deposits | 66.9024% | 5,559 |
| Net loans and leases to core deposits | 69.4518% | 5,807 |
| Total domestic deposits to total assets | 66.9353% | 7,433 |
| Equity capital to assets | 30.4107% | 83 |
| Core capital (leverage) ratio | 31.4833% | 76 |
| Tier 1 risk-based capital ratio | 72.4129% | 77 |
| Total risk-based capital ratio | 73.6768% | 75 |
| Memoranda: | ||
| Average total assets | $81,560,750 | 5,617 |
| Average earning assets | $77,783,250 | 5,490 |
| Average equity | $24,703,000 | 2,625 |
| Average total loans | $37,776,250 | 6,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 6,836 |
| Cost of funding earning assets | 0.7518% | 7,061 |
| Net interest margin | 3.6794% | 4,455 |
| Noninterest income to average assets | 0.1325% | 6,926 |
| Noninterest expense to average assets | 2.4149% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8835% | 2,608 |
| Return on assets (ROA) | 0.8835% | 2,734 |
| Pretax return on assets | 1.2246% | 2,335 |
| Return on Equity (ROE) | 2.9210% | 5,263 |
| Retained earnings to average equity (ytd only) | -0.3246% | 5,798 |
| Net charge-offs to loans | -0.0792% | 7,525 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3520% | 4,921 |
| Assets per employee ($millions) | 6.7400% | 870 |
| Cash dividends to net income (ytd only)* | 111.1111% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 1,632 |
| Loan loss allowance to noncurrent loans | 180.9725% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 6,026 |
| Noncurrent loans to loans | 1.2562% | 4,867 |
| Net loans and leases to total assets | 45.4946% | 6,808 |
| Net loans and leases to deposits | 68.0274% | 5,562 |
| Net loans and leases to core deposits | 71.0375% | 5,771 |
| Total domestic deposits to total assets | 66.8769% | 7,489 |
| Equity capital to assets | 30.5415% | 80 |
| Core capital (leverage) ratio | 31.6726% | 73 |
| Tier 1 risk-based capital ratio | 71.1335% | 83 |
| Total risk-based capital ratio | 72.3969% | 82 |
| Memoranda: | ||
| Average total assets | $81,493,000 | 5,648 |
| Average earning assets | $77,676,670 | 5,521 |
| Average equity | $24,649,000 | 2,627 |
| Average total loans | $37,890,000 | 6,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 6,968 |
| Cost of funding earning assets | 0.7604% | 7,205 |
| Net interest margin | 3.6579% | 4,449 |
| Noninterest income to average assets | 0.1125% | 7,128 |
| Noninterest expense to average assets | 2.5281% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7873% | 3,024 |
| Return on assets (ROA) | 0.7873% | 3,142 |
| Pretax return on assets | 1.0660% | 2,858 |
| Return on Equity (ROE) | 2.6155% | 5,516 |
| Retained earnings to average equity (ytd only) | -3.8826% | 6,484 |
| Net charge-offs to loans | -0.1684% | 7,641 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3401% | 4,237 |
| Assets per employee ($millions) | 6.7611% | 883 |
| Cash dividends to net income (ytd only)* | 248.4472% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2611% | 1,640 |
| Loan loss allowance to noncurrent loans | 143.5511% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,694 |
| Noncurrent loans to loans | 1.5751% | 4,379 |
| Net loans and leases to total assets | 45.6596% | 6,855 |
| Net loans and leases to deposits | 68.0987% | 5,578 |
| Net loans and leases to core deposits | 71.1733% | 5,811 |
| Total domestic deposits to total assets | 67.0492% | 7,572 |
| Equity capital to assets | 30.2010% | 81 |
| Core capital (leverage) ratio | 30.7573% | 84 |
| Tier 1 risk-based capital ratio | 69.8374% | 84 |
| Total risk-based capital ratio | 71.1014% | 82 |
| Memoranda: | ||
| Average total assets | $81,799,500 | 5,713 |
| Average earning assets | $77,858,500 | 5,576 |
| Average equity | $24,622,500 | 2,652 |
| Average total loans | $38,009,000 | 6,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 6,796 |
| Cost of funding earning assets | 0.9885% | 7,230 |
| Net interest margin | 3.8766% | 3,366 |
| Noninterest income to average assets | 0.1726% | 6,841 |
| Noninterest expense to average assets | 2.5766% | 5,880 |
| Loan and lease loss provision to assets | 0.4931% | 3,907 |
| Net operating income to assets | 0.5930% | 3,359 |
| Return on assets (ROA) | 0.5930% | 3,438 |
| Pretax return on assets | 0.8112% | 3,203 |
| Return on Equity (ROE) | 1.9367% | 4,934 |
| Retained earnings to average equity (ytd only) | 0.3261% | 4,726 |
| Net charge-offs to loans | 0.6742% | 3,162 |
| Credit loss provision to net charge-offs | 150.9434% | 3,060 |
| Earnings coverage of net charge-offs (x) | 3.9925% | 3,111 |
| Efficiency ratio | 66.3914% | 5,310 |
| Assets per employee ($millions) | 6.8722% | 840 |
| Cash dividends to net income (ytd only)* | 83.1601% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 1,643 |
| Loan loss allowance to noncurrent loans | 254.8485% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 6,150 |
| Noncurrent loans to loans | 0.8658% | 5,565 |
| Net loans and leases to total assets | 45.2004% | 7,040 |
| Net loans and leases to deposits | 67.0558% | 5,940 |
| Net loans and leases to core deposits | 76.5448% | 6,369 |
| Total domestic deposits to total assets | 67.4072% | 7,586 |
| Equity capital to assets | 30.0027% | 103 |
| Core capital (leverage) ratio | 30.6460% | 95 |
| Tier 1 risk-based capital ratio | 68.9909% | 90 |
| Total risk-based capital ratio | 70.2604% | 90 |
| Memoranda: | ||
| Average total assets | $81,113,400 | 5,695 |
| Average earning assets | $77,593,200 | 5,537 |
| Average equity | $24,835,800 | 2,621 |
| Average total loans | $39,305,600 | 6,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 6,872 |
| Cost of funding earning assets | 1.0425% | 7,297 |
| Net interest margin | 3.8631% | 3,375 |
| Noninterest income to average assets | 0.1750% | 6,963 |
| Noninterest expense to average assets | 2.2680% | 6,789 |
| Loan and lease loss provision to assets | 0.4952% | 3,421 |
| Net operating income to assets | 0.7989% | 2,819 |
| Return on assets (ROA) | 0.7989% | 2,884 |
| Pretax return on assets | 1.1125% | 2,525 |
| Return on Equity (ROE) | 2.5959% | 4,951 |
| Retained earnings to average equity (ytd only) | 0.4505% | 5,016 |
| Net charge-offs to loans | 1.3164% | 1,556 |
| Credit loss provision to net charge-offs | 76.7263% | 5,843 |
| Earnings coverage of net charge-offs (x) | 2.4910% | 3,985 |
| Efficiency ratio | 58.5179% | 6,647 |
| Assets per employee ($millions) | 6.7964% | 862 |
| Cash dividends to net income (ytd only)* | 82.6443% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,046 |
| Loan loss allowance to noncurrent loans | 92.7602% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 5,197 |
| Noncurrent loans to loans | 1.7101% | 4,076 |
| Net loans and leases to total assets | 46.7832% | 7,053 |
| Net loans and leases to deposits | 69.5054% | 5,978 |
| Net loans and leases to core deposits | 79.1745% | 6,407 |
| Total domestic deposits to total assets | 67.3088% | 7,618 |
| Equity capital to assets | 30.6215% | 111 |
| Core capital (leverage) ratio | 31.3392% | 115 |
| Tier 1 risk-based capital ratio | 68.8444% | 95 |
| Total risk-based capital ratio | 70.1002% | 95 |
| Memoranda: | ||
| Average total assets | $80,775,250 | 5,735 |
| Average earning assets | $77,379,500 | 5,581 |
| Average equity | $24,859,250 | 2,647 |
| Average total loans | $39,603,000 | 6,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 6,660 |
| Cost of funding earning assets | 1.1364% | 7,285 |
| Net interest margin | 3.8996% | 3,117 |
| Noninterest income to average assets | 0.1739% | 7,049 |
| Noninterest expense to average assets | 2.3449% | 6,634 |
| Loan and lease loss provision to assets | 0.6210% | 2,569 |
| Net operating income to assets | 0.6906% | 3,299 |
| Return on assets (ROA) | 0.6906% | 3,412 |
| Pretax return on assets | 0.9414% | 3,204 |
| Return on Equity (ROE) | 2.2400% | 5,202 |
| Retained earnings to average equity (ytd only) | -0.9830% | 5,480 |
| Net charge-offs to loans | 1.6951% | 1,115 |
| Credit loss provision to net charge-offs | 73.9645% | 5,342 |
| Earnings coverage of net charge-offs (x) | 1.8609% | 4,177 |
| Efficiency ratio | 60.0127% | 6,549 |
| Assets per employee ($millions) | 6.7326% | 874 |
| Cash dividends to net income (ytd only)* | 143.8849% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 2,830 |
| Loan loss allowance to noncurrent loans | 139.5034% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,572 |
| Noncurrent loans to loans | 1.1318% | 4,955 |
| Net loans and leases to total assets | 47.6811% | 7,059 |
| Net loans and leases to deposits | 70.8959% | 5,884 |
| Net loans and leases to core deposits | 80.4738% | 6,366 |
| Total domestic deposits to total assets | 67.2550% | 7,664 |
| Equity capital to assets | 30.6569% | 129 |
| Core capital (leverage) ratio | 31.0917% | 129 |
| Tier 1 risk-based capital ratio | 68.5695% | 108 |
| Total risk-based capital ratio | 69.8251% | 108 |
| Memoranda: | ||
| Average total assets | $80,514,670 | 5,780 |
| Average earning assets | $77,084,670 | 5,628 |
| Average equity | $24,821,000 | 2,658 |
| Average total loans | $39,880,670 | 6,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 6,586 |
| Cost of funding earning assets | 1.3336% | 6,921 |
| Net interest margin | 3.7880% | 3,500 |
| Noninterest income to average assets | 0.1692% | 7,096 |
| Noninterest expense to average assets | 2.2295% | 6,763 |
| Loan and lease loss provision to assets | 0.4977% | 2,479 |
| Net operating income to assets | 0.8211% | 3,040 |
| Return on assets (ROA) | 0.8211% | 3,193 |
| Pretax return on assets | 1.0749% | 3,083 |
| Return on Equity (ROE) | 2.6562% | 5,506 |
| Retained earnings to average equity (ytd only) | -3.7831% | 6,396 |
| Net charge-offs to loans | 3.1701% | 401 |
| Credit loss provision to net charge-offs | 31.3480% | 4,935 |
| Earnings coverage of net charge-offs (x) | 0.9906% | 4,274 |
| Efficiency ratio | 58.6387% | 6,603 |
| Assets per employee ($millions) | 6.7721% | 851 |
| Cash dividends to net income (ytd only)* | 242.4242% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 4,562 |
| Loan loss allowance to noncurrent loans | 90.1852% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 5,505 |
| Noncurrent loans to loans | 1.3684% | 4,266 |
| Net loans and leases to total assets | 47.9604% | 7,028 |
| Net loans and leases to deposits | 70.8533% | 5,886 |
| Net loans and leases to core deposits | 80.1262% | 6,374 |
| Total domestic deposits to total assets | 67.6897% | 7,613 |
| Equity capital to assets | 30.3390% | 141 |
| Core capital (leverage) ratio | 31.1797% | 144 |
| Tier 1 risk-based capital ratio | 67.5849% | 117 |
| Total risk-based capital ratio | 68.8334% | 117 |
| Memoranda: | ||
| Average total assets | $80,376,500 | 5,809 |
| Average earning assets | $77,085,500 | 5,651 |
| Average equity | $24,847,500 | 2,669 |
| Average total loans | $40,251,000 | 6,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 7,429 |
| Cost of funding earning assets | 1.7288% | 7,191 |
| Net interest margin | 3.6968% | 4,485 |
| Noninterest income to average assets | 0.1662% | 7,235 |
| Noninterest expense to average assets | 2.5613% | 5,788 |
| Loan and lease loss provision to assets | 0.1259% | 5,757 |
| Net operating income to assets | 0.6976% | 3,900 |
| Return on assets (ROA) | 0.6976% | 3,737 |
| Pretax return on assets | 1.0011% | 3,383 |
| Return on Equity (ROE) | 2.2218% | 5,535 |
| Retained earnings to average equity (ytd only) | -0.1845% | 5,335 |
| Net charge-offs to loans | 0.1017% | 5,296 |
| Credit loss provision to net charge-offs | 238.0952% | 1,984 |
| Earnings coverage of net charge-offs (x) | 21.3095% | 1,532 |
| Efficiency ratio | 69.4435% | 4,456 |
| Assets per employee ($millions) | 6.6240% | 840 |
| Cash dividends to net income (ytd only)* | 108.3032% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 1,845 |
| Loan loss allowance to noncurrent loans | 77.1585% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 3,968 |
| Noncurrent loans to loans | 2.2295% | 2,467 |
| Net loans and leases to total assets | 50.7423% | 6,964 |
| Net loans and leases to deposits | 76.2227% | 5,564 |
| Net loans and leases to core deposits | 87.0618% | 6,058 |
| Total domestic deposits to total assets | 66.5711% | 7,615 |
| Equity capital to assets | 31.5016% | 157 |
| Core capital (leverage) ratio | 31.4214% | 169 |
| Tier 1 risk-based capital ratio | 66.7621% | 129 |
| Total risk-based capital ratio | 68.0208% | 129 |
| Memoranda: | ||
| Average total assets | $79,414,200 | 5,724 |
| Average earning assets | $75,660,400 | 5,603 |
| Average equity | $24,934,600 | 2,641 |
| Average total loans | $41,317,400 | 6,105 |