Home > Independence Bank > Performance and Condition Ratios
Independence Bank, Performance and Condition Ratios
| 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 | 4.2943% | 3,019 |
| Cost of funding earning assets | 0.7514% | 1,600 |
| Net interest margin | 3.5429% | 3,695 |
| Noninterest income to average assets | 0.4142% | 4,415 |
| Noninterest expense to average assets | 3.1710% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4736% | 4,917 |
| Return on assets (ROA) | 0.5188% | 4,877 |
| Pretax return on assets | 0.7456% | 4,502 |
| Return on Equity (ROE) | 5.0452% | 4,702 |
| Retained earnings to average equity (ytd only) | 5.0452% | 3,048 |
| Net charge-offs to loans | -0.0218% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3177% | 1,785 |
| Assets per employee ($millions) | 6.3196% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,473 |
| Loan loss allowance to noncurrent loans | 275.8294% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 5,578 |
| Noncurrent loans to loans | 0.4657% | 5,026 |
| Net loans and leases to total assets | 60.6604% | 3,585 |
| Net loans and leases to deposits | 67.9274% | 4,067 |
| Net loans and leases to core deposits | 87.2971% | 2,250 |
| Total domestic deposits to total assets | 89.3018% | 1,406 |
| Equity capital to assets | 10.1932% | 3,655 |
| Core capital (leverage) ratio | 10.4575% | 3,050 |
| Tier 1 risk-based capital ratio | 16.3873% | 2,992 |
| Total risk-based capital ratio | 17.6128% | 2,978 |
| Memoranda: | ||
| Average total assets | $219,233,500 | 2,838 |
| Average earning assets | $212,740,250 | 2,710 |
| Average equity | $22,542,000 | 2,899 |
| Average total loans | $134,375,250 | 2,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,240 |
| Cost of funding earning assets | 0.7504% | 1,708 |
| Net interest margin | 3.4796% | 3,873 |
| Noninterest income to average assets | 0.5792% | 3,320 |
| Noninterest expense to average assets | 3.1869% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5260% | 4,687 |
| Return on assets (ROA) | 0.5929% | 4,511 |
| Pretax return on assets | 0.8583% | 4,075 |
| Return on Equity (ROE) | 5.7496% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.7496% | 2,585 |
| Net charge-offs to loans | 0.0314% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 39.6190% | 934 |
| Efficiency ratio | 80.7184% | 2,058 |
| Assets per employee ($millions) | 5.2410% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.7442% | 3,339 |
| Net loans and leases to deposits | 69.0445% | 3,854 |
| Net loans and leases to core deposits | 89.2883% | 1,974 |
| Total domestic deposits to total assets | 89.4267% | 1,362 |
| Equity capital to assets | 10.2003% | 3,660 |
| Core capital (leverage) ratio | 10.4789% | 2,901 |
| Tier 1 risk-based capital ratio | 13.7583% | 4,598 |
| Total risk-based capital ratio | 14.7750% | 4,709 |
| Memoranda: | ||
| Average total assets | $218,582,330 | 2,860 |
| Average earning assets | $211,631,000 | 2,725 |
| Average equity | $22,540,670 | 2,924 |
| Average total loans | $133,860,670 | 2,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,442 |
| Cost of funding earning assets | 0.7540% | 1,813 |
| Net interest margin | 3.4119% | 4,075 |
| Noninterest income to average assets | 0.7493% | 2,342 |
| Noninterest expense to average assets | 3.1936% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5793% | 4,316 |
| Return on assets (ROA) | 0.6630% | 4,043 |
| Pretax return on assets | 0.9696% | 3,484 |
| Return on Equity (ROE) | 6.3938% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.3938% | 2,461 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0455% | 2,463 |
| Assets per employee ($millions) | 5.0693% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,374 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.8202% | 3,649 |
| Net loans and leases to deposits | 65.9379% | 4,061 |
| Net loans and leases to core deposits | 85.4698% | 2,162 |
| Total domestic deposits to total assets | 89.2053% | 1,556 |
| Equity capital to assets | 10.4433% | 3,610 |
| Core capital (leverage) ratio | 10.5254% | 2,743 |
| Tier 1 risk-based capital ratio | 16.9106% | 2,796 |
| Total risk-based capital ratio | 18.1609% | 2,771 |
| Memoranda: | ||
| Average total assets | $217,813,000 | 2,899 |
| Average earning assets | $210,089,000 | 2,774 |
| Average equity | $22,584,500 | 2,972 |
| Average total loans | $131,983,500 | 2,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 3,077 |
| Cost of funding earning assets | 0.8605% | 2,214 |
| Net interest margin | 3.7207% | 3,556 |
| Noninterest income to average assets | 0.2316% | 5,788 |
| Noninterest expense to average assets | 3.1251% | 2,857 |
| Loan and lease loss provision to assets | 0.1239% | 4,066 |
| Net operating income to assets | 0.3650% | 5,238 |
| Return on assets (ROA) | 0.5260% | 4,844 |
| Pretax return on assets | 0.8209% | 4,221 |
| Return on Equity (ROE) | 5.0341% | 4,663 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,679 |
| Net charge-offs to loans | 0.1463% | 4,232 |
| Credit loss provision to net charge-offs | 129.3532% | 2,174 |
| Earnings coverage of net charge-offs (x) | 7.2388% | 2,651 |
| Efficiency ratio | 81.8443% | 1,885 |
| Assets per employee ($millions) | 5.3085% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,709 |
| Loan loss allowance to noncurrent loans | 57,466.6667% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 5,106 |
| Noncurrent loans to loans | 0.0022% | 6,591 |
| Net loans and leases to total assets | 60.7881% | 3,460 |
| Net loans and leases to deposits | 69.2854% | 3,794 |
| Net loans and leases to core deposits | 89.1651% | 1,943 |
| Total domestic deposits to total assets | 87.7357% | 2,386 |
| Equity capital to assets | 10.2941% | 3,765 |
| Core capital (leverage) ratio | 10.5249% | 2,731 |
| Tier 1 risk-based capital ratio | 17.4439% | 2,471 |
| Total risk-based capital ratio | 18.6954% | 2,444 |
| Memoranda: | ||
| Average total assets | $209,882,800 | 2,925 |
| Average earning assets | $202,329,800 | 2,822 |
| Average equity | $21,930,600 | 2,980 |
| Average total loans | $137,415,000 | 2,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 3,029 |
| Cost of funding earning assets | 0.8894% | 2,245 |
| Net interest margin | 3.7574% | 3,515 |
| Noninterest income to average assets | 0.2507% | 5,770 |
| Noninterest expense to average assets | 3.1489% | 2,722 |
| Loan and lease loss provision to assets | 0.0449% | 5,212 |
| Net operating income to assets | 0.4566% | 5,008 |
| Return on assets (ROA) | 0.6508% | 4,402 |
| Pretax return on assets | 0.9836% | 3,779 |
| Return on Equity (ROE) | 6.2044% | 4,228 |
| Retained earnings to average equity (ytd only) | 6.2044% | 2,562 |
| Net charge-offs to loans | 0.1090% | 4,300 |
| Credit loss provision to net charge-offs | 61.9469% | 4,105 |
| Earnings coverage of net charge-offs (x) | 10.1329% | 2,221 |
| Efficiency ratio | 81.0931% | 1,920 |
| Assets per employee ($millions) | 5.1360% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,950 |
| Loan loss allowance to noncurrent loans | 1,638.3838% | 296 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 4,247 |
| Noncurrent loans to loans | 0.0775% | 6,422 |
| Net loans and leases to total assets | 59.8914% | 3,805 |
| Net loans and leases to deposits | 67.2502% | 4,301 |
| Net loans and leases to core deposits | 85.0653% | 2,572 |
| Total domestic deposits to total assets | 89.0576% | 1,396 |
| Equity capital to assets | 10.6498% | 3,672 |
| Core capital (leverage) ratio | 10.7901% | 2,618 |
| Tier 1 risk-based capital ratio | 17.6160% | 2,489 |
| Total risk-based capital ratio | 18.8660% | 2,461 |
| Memoranda: | ||
| Average total assets | $207,941,500 | 2,983 |
| Average earning assets | $201,018,750 | 2,856 |
| Average equity | $21,812,000 | 3,019 |
| Average total loans | $138,261,750 | 2,770 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 3,297 |
| Cost of funding earning assets | 0.9179% | 2,271 |
| Net interest margin | 3.6967% | 3,837 |
| Noninterest income to average assets | 0.5158% | 3,814 |
| Noninterest expense to average assets | 3.3033% | 2,291 |
| Loan and lease loss provision to assets | 0.0580% | 4,930 |
| Net operating income to assets | 0.4790% | 4,912 |
| Return on assets (ROA) | 0.6626% | 4,310 |
| Pretax return on assets | 1.0036% | 3,699 |
| Return on Equity (ROE) | 6.3497% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.3497% | 2,472 |
| Net charge-offs to loans | 0.1312% | 3,877 |
| Credit loss provision to net charge-offs | 64.5161% | 3,701 |
| Earnings coverage of net charge-offs (x) | 8.7204% | 2,253 |
| Efficiency ratio | 80.8320% | 2,059 |
| Assets per employee ($millions) | 5.1786% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,604 |
| Loan loss allowance to noncurrent loans | 494.5455% | 724 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 3,804 |
| Noncurrent loans to loans | 0.2304% | 6,115 |
| Net loans and leases to total assets | 68.3478% | 2,223 |
| Net loans and leases to deposits | 76.8329% | 2,864 |
| Net loans and leases to core deposits | 98.6854% | 1,202 |
| Total domestic deposits to total assets | 88.9564% | 1,535 |
| Equity capital to assets | 10.6540% | 3,508 |
| Core capital (leverage) ratio | 10.7194% | 2,580 |
| Tier 1 risk-based capital ratio | 15.0033% | 3,769 |
| Total risk-based capital ratio | 16.1185% | 3,809 |
| Memoranda: | ||
| Average total assets | $207,063,330 | 3,007 |
| Average earning assets | $200,017,670 | 2,868 |
| Average equity | $21,607,330 | 3,032 |
| Average total loans | $141,769,330 | 2,747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 3,705 |
| Cost of funding earning assets | 0.9526% | 2,285 |
| Net interest margin | 3.6001% | 4,273 |
| Noninterest income to average assets | 0.5275% | 3,714 |
| Noninterest expense to average assets | 3.2383% | 2,478 |
| Loan and lease loss provision to assets | 0.0580% | 4,687 |
| Net operating income to assets | 0.4721% | 4,948 |
| Return on assets (ROA) | 0.6028% | 4,549 |
| Pretax return on assets | 0.9023% | 4,021 |
| Return on Equity (ROE) | 5.8382% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.8382% | 3,051 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8880% | 2,093 |
| Assets per employee ($millions) | 5.5177% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 5,334 |
| Loan loss allowance to noncurrent loans | 260.7692% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 3,387 |
| Noncurrent loans to loans | 0.4743% | 5,725 |
| Net loans and leases to total assets | 66.3008% | 2,418 |
| Net loans and leases to deposits | 74.4599% | 3,054 |
| Net loans and leases to core deposits | 96.1404% | 1,288 |
| Total domestic deposits to total assets | 89.0422% | 1,671 |
| Equity capital to assets | 10.6321% | 3,342 |
| Core capital (leverage) ratio | 10.4056% | 2,869 |
| Tier 1 risk-based capital ratio | 15.3837% | 3,508 |
| Total risk-based capital ratio | 16.5947% | 3,492 |
| Memoranda: | ||
| Average total assets | $207,024,000 | 3,028 |
| Average earning assets | $199,883,500 | 2,899 |
| Average equity | $21,376,500 | 3,063 |
| Average total loans | $141,049,500 | 2,770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 4,253 |
| Cost of funding earning assets | 0.9754% | 3,541 |
| Net interest margin | 3.7235% | 4,185 |
| Noninterest income to average assets | 0.7748% | 2,202 |
| Noninterest expense to average assets | 3.3372% | 2,397 |
| Loan and lease loss provision to assets | 0.2921% | 3,324 |
| Net operating income to assets | 0.3536% | 5,053 |
| Return on assets (ROA) | 0.4623% | 4,781 |
| Pretax return on assets | 0.8051% | 3,965 |
| Return on Equity (ROE) | 4.0953% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.0953% | 3,276 |
| Net charge-offs to loans | 0.0819% | 5,502 |
| Credit loss provision to net charge-offs | 540.8163% | 423 |
| Earnings coverage of net charge-offs (x) | 17.8367% | 1,248 |
| Efficiency ratio | 77.6012% | 2,645 |
| Assets per employee ($millions) | 5.5235% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,636 |
| Loan loss allowance to noncurrent loans | 263.4494% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 3,562 |
| Noncurrent loans to loans | 0.4357% | 5,837 |
| Net loans and leases to total assets | 68.3123% | 2,333 |
| Net loans and leases to deposits | 76.3121% | 3,129 |
| Net loans and leases to core deposits | 98.7377% | 1,283 |
| Total domestic deposits to total assets | 89.5170% | 1,259 |
| Equity capital to assets | 10.0275% | 4,135 |
| Core capital (leverage) ratio | 10.5496% | 2,664 |
| Tier 1 risk-based capital ratio | 14.5212% | 3,960 |
| Total risk-based capital ratio | 15.6725% | 4,002 |
| Memoranda: | ||
| Average total assets | $181,467,000 | 3,308 |
| Average earning assets | $171,828,200 | 3,204 |
| Average equity | $20,487,000 | 3,072 |
| Average total loans | $119,638,400 | 3,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 4,254 |
| Cost of funding earning assets | 0.9814% | 3,809 |
| Net interest margin | 3.7638% | 4,043 |
| Noninterest income to average assets | 0.9421% | 1,510 |
| Noninterest expense to average assets | 3.4556% | 2,060 |
| Loan and lease loss provision to assets | 0.1851% | 4,182 |
| Net operating income to assets | 0.5797% | 4,181 |
| Return on assets (ROA) | 0.5651% | 4,415 |
| Pretax return on assets | 0.8419% | 3,974 |
| Return on Equity (ROE) | 4.8425% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.8425% | 3,285 |
| Net charge-offs to loans | 0.0471% | 5,516 |
| Credit loss provision to net charge-offs | 605.0000% | 445 |
| Earnings coverage of net charge-offs (x) | 33.6512% | 865 |
| Efficiency ratio | 77.0503% | 2,669 |
| Assets per employee ($millions) | 5.2248% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,740 |
| Loan loss allowance to noncurrent loans | 2,759.6154% | 161 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 3,250 |
| Noncurrent loans to loans | 0.0412% | 6,839 |
| Net loans and leases to total assets | 66.3636% | 2,810 |
| Net loans and leases to deposits | 74.9539% | 3,514 |
| Net loans and leases to core deposits | 96.7846% | 1,527 |
| Total domestic deposits to total assets | 88.5392% | 1,730 |
| Equity capital to assets | 11.0886% | 3,057 |
| Core capital (leverage) ratio | 11.8988% | 1,766 |
| Tier 1 risk-based capital ratio | 15.1597% | 3,573 |
| Total risk-based capital ratio | 16.2039% | 3,660 |
| Memoranda: | ||
| Average total assets | $174,360,750 | 3,444 |
| Average earning assets | $164,122,000 | 3,355 |
| Average equity | $20,347,000 | 3,097 |
| Average total loans | $113,286,250 | 3,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 4,007 |
| Cost of funding earning assets | 1.0207% | 3,812 |
| Net interest margin | 3.7992% | 3,787 |
| Noninterest income to average assets | 1.0413% | 1,216 |
| Noninterest expense to average assets | 3.5728% | 1,803 |
| Loan and lease loss provision to assets | 0.1166% | 4,818 |
| Net operating income to assets | 0.6201% | 3,956 |
| Return on assets (ROA) | 0.5536% | 4,423 |
| Pretax return on assets | 0.8364% | 3,879 |
| Return on Equity (ROE) | 4.6588% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.6588% | 3,217 |
| Net charge-offs to loans | 0.0734% | 4,910 |
| Credit loss provision to net charge-offs | 247.5000% | 1,226 |
| Earnings coverage of net charge-offs (x) | 21.6500% | 1,147 |
| Efficiency ratio | 77.7892% | 2,741 |
| Assets per employee ($millions) | 5.0334% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,873 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 2.0043% | 3,226 |
| Noncurrent loans to loans | 0.0824% | 6,776 |
| Net loans and leases to total assets | 66.6246% | 2,903 |
| Net loans and leases to deposits | 75.9771% | 3,479 |
| Net loans and leases to core deposits | 97.8099% | 1,520 |
| Total domestic deposits to total assets | 87.6904% | 2,348 |
| Equity capital to assets | 11.9204% | 2,149 |
| Core capital (leverage) ratio | 11.8457% | 1,691 |
| Tier 1 risk-based capital ratio | 15.9570% | 2,994 |
| Total risk-based capital ratio | 16.9612% | 3,097 |
| Memoranda: | ||
| Average total assets | $169,783,000 | 3,540 |
| Average earning assets | $158,716,000 | 3,465 |
| Average equity | $20,177,000 | 3,101 |
| Average total loans | $108,961,330 | 3,481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 4,264 |
| Cost of funding earning assets | 1.0351% | 3,954 |
| Net interest margin | 3.7217% | 3,990 |
| Noninterest income to average assets | 1.4169% | 640 |
| Noninterest expense to average assets | 3.6403% | 1,679 |
| Loan and lease loss provision to assets | 0.1443% | 4,202 |
| Net operating income to assets | 0.7042% | 3,502 |
| Return on assets (ROA) | 0.5771% | 4,225 |
| Pretax return on assets | 0.9769% | 3,214 |
| Return on Equity (ROE) | 4.8641% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.8641% | 3,275 |
| Net charge-offs to loans | 0.2647% | 3,013 |
| Credit loss provision to net charge-offs | 87.1429% | 2,992 |
| Earnings coverage of net charge-offs (x) | 7.5286% | 1,937 |
| Efficiency ratio | 74.4918% | 3,428 |
| Assets per employee ($millions) | 5.5208% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2353% | 2,125 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.5036% | 4,554 |
| Net loans and leases to deposits | 66.5621% | 4,892 |
| Net loans and leases to core deposits | 87.6323% | 2,651 |
| Total domestic deposits to total assets | 87.8933% | 2,430 |
| Equity capital to assets | 11.7368% | 2,092 |
| Core capital (leverage) ratio | 12.1320% | 1,487 |
| Tier 1 risk-based capital ratio | 17.4569% | 2,312 |
| Total risk-based capital ratio | 18.5007% | 2,367 |
| Memoranda: | ||
| Average total assets | $169,107,000 | 3,572 |
| Average earning assets | $157,669,500 | 3,508 |
| Average equity | $20,065,500 | 3,100 |
| Average total loans | $105,787,000 | 3,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 5,036 |
| Cost of funding earning assets | 1.1999% | 4,564 |
| Net interest margin | 3.6993% | 4,342 |
| Noninterest income to average assets | 0.5260% | 3,985 |
| Noninterest expense to average assets | 3.4076% | 2,419 |
| Loan and lease loss provision to assets | 0.3495% | 4,031 |
| Net operating income to assets | 0.1979% | 5,267 |
| Return on assets (ROA) | 0.3513% | 4,899 |
| Pretax return on assets | 0.4046% | 4,929 |
| Return on Equity (ROE) | 3.5800% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.5800% | 3,350 |
| Net charge-offs to loans | 0.5001% | 3,617 |
| Credit loss provision to net charge-offs | 106.1453% | 4,214 |
| Earnings coverage of net charge-offs (x) | 1.7654% | 4,393 |
| Efficiency ratio | 85.4288% | 1,755 |
| Assets per employee ($millions) | 5.0627% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,885 |
| Loan loss allowance to noncurrent loans | 88.7689% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 3.6871% | 1,862 |
| Noncurrent loans to loans | 1.2602% | 4,609 |
| Net loans and leases to total assets | 65.2371% | 3,614 |
| Net loans and leases to deposits | 74.2693% | 4,150 |
| Net loans and leases to core deposits | 97.0759% | 1,885 |
| Total domestic deposits to total assets | 87.8386% | 2,350 |
| Equity capital to assets | 11.9974% | 1,914 |
| Core capital (leverage) ratio | 11.8325% | 1,652 |
| Tier 1 risk-based capital ratio | 16.0701% | 2,719 |
| Total risk-based capital ratio | 17.0546% | 2,806 |
| Memoranda: | ||
| Average total assets | $163,104,000 | 3,644 |
| Average earning assets | $152,678,400 | 3,593 |
| Average equity | $16,005,800 | 3,764 |
| Average total loans | $107,379,400 | 3,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 5,455 |
| Cost of funding earning assets | 1.2251% | 4,713 |
| Net interest margin | 3.6285% | 4,737 |
| Noninterest income to average assets | 0.3709% | 5,190 |
| Noninterest expense to average assets | 3.4000% | 2,291 |
| Loan and lease loss provision to assets | 0.2796% | 4,341 |
| Net operating income to assets | 0.0822% | 5,813 |
| Return on assets (ROA) | 0.2336% | 5,573 |
| Pretax return on assets | 0.2336% | 5,654 |
| Return on Equity (ROE) | 2.5250% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.5250% | 4,654 |
| Net charge-offs to loans | 0.3237% | 4,045 |
| Credit loss provision to net charge-offs | 131.2741% | 3,073 |
| Earnings coverage of net charge-offs (x) | 1.6989% | 4,429 |
| Efficiency ratio | 90.3804% | 1,253 |
| Assets per employee ($millions) | 5.0233% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,619 |
| Loan loss allowance to noncurrent loans | 53.3750% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.9799% | 2,437 |
| Noncurrent loans to loans | 2.1966% | 3,452 |
| Net loans and leases to total assets | 61.4172% | 4,647 |
| Net loans and leases to deposits | 67.5872% | 5,479 |
| Net loans and leases to core deposits | 87.7223% | 3,411 |
| Total domestic deposits to total assets | 90.8710% | 493 |
| Equity capital to assets | 8.7496% | 5,939 |
| Core capital (leverage) ratio | 8.7287% | 5,140 |
| Tier 1 risk-based capital ratio | 12.2192% | 5,249 |
| Total risk-based capital ratio | 13.2399% | 5,441 |
| Memoranda: | ||
| Average total assets | $162,112,750 | 3,713 |
| Average earning assets | $151,499,000 | 3,661 |
| Average equity | $14,996,250 | 3,984 |
| Average total loans | $106,668,250 | 3,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 5,444 |
| Cost of funding earning assets | 1.2083% | 5,077 |
| Net interest margin | 3.6801% | 4,451 |
| Noninterest income to average assets | 0.3567% | 5,293 |
| Noninterest expense to average assets | 3.4327% | 2,187 |
| Loan and lease loss provision to assets | 0.3174% | 3,841 |
| Net operating income to assets | 0.0711% | 5,943 |
| Return on assets (ROA) | 0.2260% | 5,609 |
| Pretax return on assets | 0.2260% | 5,714 |
| Return on Equity (ROE) | 2.3945% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.3945% | 4,635 |
| Net charge-offs to loans | 0.4896% | 3,072 |
| Credit loss provision to net charge-offs | 96.5251% | 4,224 |
| Earnings coverage of net charge-offs (x) | 1.1815% | 4,617 |
| Efficiency ratio | 89.8339% | 1,345 |
| Assets per employee ($millions) | 5.1331% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,255 |
| Loan loss allowance to noncurrent loans | 152.8883% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 2.4231% | 2,967 |
| Noncurrent loans to loans | 0.6757% | 5,899 |
| Net loans and leases to total assets | 65.3757% | 3,970 |
| Net loans and leases to deposits | 71.7388% | 5,034 |
| Net loans and leases to core deposits | 96.7826% | 2,354 |
| Total domestic deposits to total assets | 91.1302% | 438 |
| Equity capital to assets | 8.7174% | 5,859 |
| Core capital (leverage) ratio | 9.5192% | 3,791 |
| Tier 1 risk-based capital ratio | 14.2031% | 3,604 |
| Total risk-based capital ratio | 15.3157% | 3,649 |
| Memoranda: | ||
| Average total assets | $157,545,670 | 3,835 |
| Average earning assets | $148,311,000 | 3,735 |
| Average equity | $14,867,330 | 4,018 |
| Average total loans | $105,804,000 | 3,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 5,338 |
| Cost of funding earning assets | 1.2422% | 5,160 |
| Net interest margin | 3.6816% | 4,346 |
| Noninterest income to average assets | 0.1664% | 6,775 |
| Noninterest expense to average assets | 3.6174% | 1,694 |
| Loan and lease loss provision to assets | 0.2952% | 3,670 |
| Net operating income to assets | -0.2388% | 6,590 |
| Return on assets (ROA) | 0.0403% | 6,303 |
| Pretax return on assets | 0.0403% | 6,283 |
| Return on Equity (ROE) | 0.4083% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.4083% | 5,675 |
| Net charge-offs to loans | 0.8193% | 1,896 |
| Credit loss provision to net charge-offs | 53.1401% | 4,434 |
| Earnings coverage of net charge-offs (x) | 0.1014% | 4,941 |
| Efficiency ratio | 98.4660% | 903 |
| Assets per employee ($millions) | 4.6376% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 6,210 |
| Loan loss allowance to noncurrent loans | 33.7206% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 3.1805% | 2,253 |
| Noncurrent loans to loans | 3.1255% | 2,566 |
| Net loans and leases to total assets | 69.7778% | 2,991 |
| Net loans and leases to deposits | 77.7606% | 4,092 |
| Net loans and leases to core deposits | 103.4733% | 1,785 |
| Total domestic deposits to total assets | 89.7341% | 1,125 |
| Equity capital to assets | 10.0354% | 3,818 |
| Core capital (leverage) ratio | 10.2490% | 2,873 |
| Tier 1 risk-based capital ratio | 16.1264% | 2,600 |
| Total risk-based capital ratio | 17.3112% | 2,585 |
| Memoranda: | ||
| Average total assets | $149,056,000 | 4,029 |
| Average earning assets | $142,003,000 | 3,920 |
| Average equity | $14,694,000 | 4,082 |
| Average total loans | $101,062,000 | 3,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 6,159 |
| Cost of funding earning assets | 1.6609% | 4,727 |
| Net interest margin | 3.4200% | 5,294 |
| Noninterest income to average assets | 0.2972% | 5,977 |
| Noninterest expense to average assets | 3.5366% | 2,301 |
| Loan and lease loss provision to assets | 0.9489% | 2,373 |
| Net operating income to assets | -0.6073% | 6,279 |
| Return on assets (ROA) | -0.0470% | 5,605 |
| Pretax return on assets | -0.0307% | 5,497 |
| Return on Equity (ROE) | -0.4663% | 5,614 |
| Retained earnings to average equity (ytd only) | -0.4663% | 5,091 |
| Net charge-offs to loans | 1.5658% | 1,611 |
| Credit loss provision to net charge-offs | 94.2451% | 5,838 |
| Earnings coverage of net charge-offs (x) | 0.0129% | 6,179 |
| Efficiency ratio | 99.6351% | 1,122 |
| Assets per employee ($millions) | 4.5366% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 5,166 |
| Loan loss allowance to noncurrent loans | 176.7305% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 4,416 |
| Noncurrent loans to loans | 0.6966% | 5,845 |
| Net loans and leases to total assets | 64.3038% | 4,536 |
| Net loans and leases to deposits | 71.2838% | 5,430 |
| Net loans and leases to core deposits | 109.4564% | 2,956 |
| Total domestic deposits to total assets | 90.2083% | 879 |
| Equity capital to assets | 9.6822% | 4,161 |
| Core capital (leverage) ratio | 9.5009% | 3,720 |
| Tier 1 risk-based capital ratio | 15.9730% | 2,539 |
| Total risk-based capital ratio | 17.2241% | 2,463 |
| Memoranda: | ||
| Average total assets | $146,692,800 | 4,004 |
| Average earning assets | $139,504,200 | 3,917 |
| Average equity | $14,798,600 | 4,097 |
| Average total loans | $94,329,000 | 4,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 6,175 |
| Cost of funding earning assets | 1.7384% | 4,704 |
| Net interest margin | 3.3904% | 5,312 |
| Noninterest income to average assets | 0.3517% | 5,675 |
| Noninterest expense to average assets | 3.4726% | 2,345 |
| Loan and lease loss provision to assets | 0.9035% | 2,127 |
| Net operating income to assets | -0.7705% | 6,663 |
| Return on assets (ROA) | 0.2659% | 5,022 |
| Pretax return on assets | 0.2850% | 5,106 |
| Return on Equity (ROE) | 2.6084% | 4,946 |
| Retained earnings to average equity (ytd only) | 2.6084% | 3,861 |
| Net charge-offs to loans | 1.4738% | 1,395 |
| Credit loss provision to net charge-offs | 95.6480% | 5,318 |
| Earnings coverage of net charge-offs (x) | 0.1083% | 5,927 |
| Efficiency ratio | 97.1377% | 1,202 |
| Assets per employee ($millions) | 4.8924% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,485 |
| Loan loss allowance to noncurrent loans | 130.2521% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.9154% | 3,474 |
| Noncurrent loans to loans | 0.9996% | 5,305 |
| Net loans and leases to total assets | 61.9771% | 5,248 |
| Net loans and leases to deposits | 68.8875% | 6,041 |
| Net loans and leases to core deposits | 101.3499% | 4,230 |
| Total domestic deposits to total assets | 89.9686% | 778 |
| Equity capital to assets | 9.8659% | 4,246 |
| Core capital (leverage) ratio | 10.0573% | 3,227 |
| Tier 1 risk-based capital ratio | 17.2949% | 2,186 |
| Total risk-based capital ratio | 18.5468% | 2,130 |
| Memoranda: | ||
| Average total assets | $145,939,000 | 4,040 |
| Average earning assets | $138,742,500 | 3,954 |
| Average equity | $14,874,500 | 4,121 |
| Average total loans | $93,544,250 | 4,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 6,385 |
| Cost of funding earning assets | 1.8394% | 4,556 |
| Net interest margin | 3.2719% | 5,656 |
| Noninterest income to average assets | 0.4305% | 5,024 |
| Noninterest expense to average assets | 3.4659% | 2,438 |
| Loan and lease loss provision to assets | 1.2345% | 1,393 |
| Net operating income to assets | -1.0829% | 7,041 |
| Return on assets (ROA) | 0.1166% | 5,613 |
| Pretax return on assets | 0.1416% | 5,580 |
| Return on Equity (ROE) | 1.1317% | 5,598 |
| Retained earnings to average equity (ytd only) | 1.1317% | 4,703 |
| Net charge-offs to loans | 2.1166% | 871 |
| Credit loss provision to net charge-offs | 90.3455% | 4,913 |
| Earnings coverage of net charge-offs (x) | 0.0508% | 5,625 |
| Efficiency ratio | 98.0361% | 1,265 |
| Assets per employee ($millions) | 4.6049% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,676 |
| Loan loss allowance to noncurrent loans | 103.2090% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 2.4838% | 2,598 |
| Noncurrent loans to loans | 1.2006% | 4,814 |
| Net loans and leases to total assets | 64.3668% | 4,905 |
| Net loans and leases to deposits | 71.6453% | 5,788 |
| Net loans and leases to core deposits | 105.2498% | 3,930 |
| Total domestic deposits to total assets | 89.8410% | 893 |
| Equity capital to assets | 9.9731% | 3,976 |
| Core capital (leverage) ratio | 10.0063% | 3,295 |
| Tier 1 risk-based capital ratio | 13.3025% | 3,935 |
| Total risk-based capital ratio | 14.3785% | 3,970 |
| Memoranda: | ||
| Average total assets | $144,030,670 | 4,103 |
| Average earning assets | $136,677,670 | 4,017 |
| Average equity | $14,845,000 | 4,135 |
| Average total loans | $92,980,000 | 4,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 5,756 |
| Cost of funding earning assets | 1.9385% | 4,442 |
| Net interest margin | 3.3916% | 5,171 |
| Noninterest income to average assets | 0.2276% | 6,638 |
| Noninterest expense to average assets | 3.3182% | 2,604 |
| Loan and lease loss provision to assets | 1.3065% | 983 |
| Net operating income to assets | -1.1585% | 7,340 |
| Return on assets (ROA) | 0.7642% | 3,456 |
| Pretax return on assets | 0.7923% | 4,103 |
| Return on Equity (ROE) | 7.2925% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.2925% | 2,102 |
| Net charge-offs to loans | 2.6681% | 503 |
| Credit loss provision to net charge-offs | 76.2295% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.0754% | 4,920 |
| Efficiency ratio | 96.2510% | 1,304 |
| Assets per employee ($millions) | 4.7374% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 4,220 |
| Loan loss allowance to noncurrent loans | 2,150.9434% | 218 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 4,205 |
| Noncurrent loans to loans | 0.0594% | 7,365 |
| Net loans and leases to total assets | 60.0127% | 5,647 |
| Net loans and leases to deposits | 66.9737% | 6,276 |
| Net loans and leases to core deposits | 97.4427% | 4,804 |
| Total domestic deposits to total assets | 89.6064% | 967 |
| Equity capital to assets | 10.2343% | 3,726 |
| Core capital (leverage) ratio | 10.4732% | 2,963 |
| Tier 1 risk-based capital ratio | 12.0622% | 4,911 |
| Total risk-based capital ratio | 12.9867% | 5,104 |
| Memoranda: | ||
| Average total assets | $142,367,500 | 4,142 |
| Average earning assets | $135,156,000 | 4,050 |
| Average equity | $14,919,500 | 4,158 |
| Average total loans | $91,450,500 | 4,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 4,148 |
| Cost of funding earning assets | 2.4389% | 4,534 |
| Net interest margin | 3.8278% | 3,903 |
| Noninterest income to average assets | 0.4198% | 5,302 |
| Noninterest expense to average assets | 3.5871% | 2,184 |
| Loan and lease loss provision to assets | 0.2974% | 4,009 |
| Net operating income to assets | 0.1757% | 5,923 |
| Return on assets (ROA) | 0.1254% | 5,882 |
| Pretax return on assets | 0.1254% | 5,893 |
| Return on Equity (ROE) | 1.1508% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.1508% | 4,540 |
| Net charge-offs to loans | 0.0360% | 6,299 |
| Credit loss provision to net charge-offs | 1,277.4194% | 356 |
| Earnings coverage of net charge-offs (x) | 20.3226% | 1,580 |
| Efficiency ratio | 88.3484% | 1,647 |
| Assets per employee ($millions) | 4.4476% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,349 |
| Loan loss allowance to noncurrent loans | 131.6598% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 5,110 |
| Noncurrent loans to loans | 1.0424% | 4,498 |
| Net loans and leases to total assets | 66.9747% | 4,644 |
| Net loans and leases to deposits | 75.1408% | 5,715 |
| Net loans and leases to core deposits | 106.2000% | 4,174 |
| Total domestic deposits to total assets | 89.1323% | 990 |
| Equity capital to assets | 10.7408% | 3,261 |
| Core capital (leverage) ratio | 10.9466% | 2,629 |
| Tier 1 risk-based capital ratio | 12.5579% | 4,402 |
| Total risk-based capital ratio | 13.6650% | 4,393 |
| Memoranda: | ||
| Average total assets | $133,172,800 | 4,215 |
| Average earning assets | $126,653,600 | 4,116 |
| Average equity | $14,511,600 | 4,237 |
| Average total loans | $86,215,200 | 4,325 |