Home > Lafayette Savings Bank, FSB > Performance and Condition Ratios
Lafayette Savings Bank, FSB, Performance and Condition Ratios
| 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 | 3.7761% | 4,636 |
| Cost of funding earning assets | 0.5642% | 2,157 |
| Net interest margin | 3.2118% | 4,926 |
| Noninterest income to average assets | 0.9519% | 1,361 |
| Noninterest expense to average assets | 2.9562% | 2,947 |
| Loan and lease loss provision to assets | 0.0365% | 3,674 |
| Net operating income to assets | 0.5758% | 4,561 |
| Return on assets (ROA) | 0.5758% | 4,642 |
| Pretax return on assets | 0.9315% | 3,852 |
| Return on Equity (ROE) | 5.1409% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.4204% | 5,332 |
| Net charge-offs to loans | 0.1518% | 2,275 |
| Credit loss provision to net charge-offs | 33.5570% | 3,393 |
| Earnings coverage of net charge-offs (x) | 8.9027% | 2,737 |
| Efficiency ratio | 75.3324% | 2,612 |
| Assets per employee ($millions) | 3.9811% | 3,933 |
| Cash dividends to net income (ytd only)* | 72.3701% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 782 |
| Loan loss allowance to noncurrent loans | 142.5922% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 2,486 |
| Noncurrent loans to loans | 1.6478% | 1,978 |
| Net loans and leases to total assets | 71.3349% | 1,962 |
| Net loans and leases to deposits | 83.7300% | 2,191 |
| Net loans and leases to core deposits | 91.8297% | 2,050 |
| Total domestic deposits to total assets | 85.1963% | 3,263 |
| Equity capital to assets | 11.4607% | 2,520 |
| Core capital (leverage) ratio | 11.4337% | 2,119 |
| Tier 1 risk-based capital ratio | 16.3768% | 2,861 |
| Total risk-based capital ratio | 17.6416% | 2,814 |
| Memoranda: | ||
| Average total assets | $365,419,000 | 1,795 |
| Average earning assets | $338,156,500 | 1,782 |
| Average equity | $40,925,500 | 1,753 |
| Average total loans | $261,780,750 | 1,623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,620 |
| Cost of funding earning assets | 0.5741% | 2,126 |
| Net interest margin | 3.1968% | 4,958 |
| Noninterest income to average assets | 0.9277% | 1,403 |
| Noninterest expense to average assets | 2.7983% | 3,516 |
| Loan and lease loss provision to assets | 0.0544% | 3,215 |
| Net operating income to assets | 0.6612% | 4,040 |
| Return on assets (ROA) | 0.6612% | 4,138 |
| Pretax return on assets | 1.0332% | 3,348 |
| Return on Equity (ROE) | 5.9492% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.9922% | 3,643 |
| Net charge-offs to loans | 0.2750% | 1,443 |
| Credit loss provision to net charge-offs | 27.7778% | 3,084 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 2,909 |
| Efficiency ratio | 72.0123% | 3,339 |
| Assets per employee ($millions) | 4.0990% | 3,647 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 865 |
| Loan loss allowance to noncurrent loans | 538.2847% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 5,030 |
| Noncurrent loans to loans | 0.4343% | 4,684 |
| Net loans and leases to total assets | 68.9434% | 2,248 |
| Net loans and leases to deposits | 80.4809% | 2,453 |
| Net loans and leases to core deposits | 88.6004% | 2,246 |
| Total domestic deposits to total assets | 85.6643% | 3,208 |
| Equity capital to assets | 11.2244% | 2,676 |
| Core capital (leverage) ratio | 11.1999% | 2,242 |
| Tier 1 risk-based capital ratio | 16.5577% | 2,798 |
| Total risk-based capital ratio | 17.8224% | 2,761 |
| Memoranda: | ||
| Average total assets | $367,791,000 | 1,782 |
| Average earning assets | $340,343,000 | 1,766 |
| Average equity | $40,879,330 | 1,749 |
| Average total loans | $261,792,670 | 1,625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,486 |
| Cost of funding earning assets | 0.5813% | 2,148 |
| Net interest margin | 3.2197% | 4,863 |
| Noninterest income to average assets | 0.8507% | 1,558 |
| Noninterest expense to average assets | 2.8364% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6405% | 3,994 |
| Return on assets (ROA) | 0.6405% | 4,085 |
| Pretax return on assets | 0.9945% | 3,343 |
| Return on Equity (ROE) | 5.7910% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.7910% | 2,652 |
| Net charge-offs to loans | -0.0701% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0404% | 3,135 |
| Assets per employee ($millions) | 4.1634% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4351% | 871 |
| Loan loss allowance to noncurrent loans | 292.3640% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 4,217 |
| Noncurrent loans to loans | 0.8329% | 3,801 |
| Net loans and leases to total assets | 69.9237% | 1,898 |
| Net loans and leases to deposits | 81.5906% | 2,088 |
| Net loans and leases to core deposits | 89.9590% | 1,906 |
| Total domestic deposits to total assets | 85.7007% | 3,515 |
| Equity capital to assets | 11.1862% | 2,538 |
| Core capital (leverage) ratio | 11.2022% | 2,220 |
| Tier 1 risk-based capital ratio | 16.2182% | 3,051 |
| Total risk-based capital ratio | 17.4841% | 3,002 |
| Memoranda: | ||
| Average total assets | $367,231,500 | 1,789 |
| Average earning assets | $339,906,500 | 1,770 |
| Average equity | $40,615,000 | 1,755 |
| Average total loans | $262,475,500 | 1,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,817 |
| Cost of funding earning assets | 0.7026% | 1,795 |
| Net interest margin | 3.3775% | 4,374 |
| Noninterest income to average assets | 1.0569% | 1,260 |
| Noninterest expense to average assets | 2.8471% | 3,542 |
| Loan and lease loss provision to assets | 0.1790% | 2,064 |
| Net operating income to assets | 0.7350% | 3,631 |
| Return on assets (ROA) | 0.7350% | 3,712 |
| Pretax return on assets | 1.1591% | 2,735 |
| Return on Equity (ROE) | 6.7677% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.7534% | 2,134 |
| Net charge-offs to loans | 0.0739% | 4,178 |
| Credit loss provision to net charge-offs | 321.7822% | 721 |
| Earnings coverage of net charge-offs (x) | 24.0545% | 1,382 |
| Efficiency ratio | 68.0287% | 4,194 |
| Assets per employee ($millions) | 4.0009% | 3,863 |
| Cash dividends to net income (ytd only)* | 14.9869% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4195% | 907 |
| Loan loss allowance to noncurrent loans | 294.8444% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 4,469 |
| Noncurrent loans to loans | 0.8206% | 3,926 |
| Net loans and leases to total assets | 69.5557% | 2,088 |
| Net loans and leases to deposits | 80.9925% | 2,322 |
| Net loans and leases to core deposits | 90.4071% | 1,978 |
| Total domestic deposits to total assets | 85.8792% | 3,324 |
| Equity capital to assets | 10.9340% | 2,672 |
| Core capital (leverage) ratio | 10.9787% | 2,410 |
| Tier 1 risk-based capital ratio | 16.1291% | 3,043 |
| Total risk-based capital ratio | 17.3949% | 2,988 |
| Memoranda: | ||
| Average total assets | $363,135,400 | 1,785 |
| Average earning assets | $336,345,800 | 1,765 |
| Average equity | $39,437,600 | 1,773 |
| Average total loans | $273,483,000 | 1,539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 3,525 |
| Cost of funding earning assets | 0.7234% | 1,787 |
| Net interest margin | 3.4371% | 4,135 |
| Noninterest income to average assets | 1.1557% | 1,101 |
| Noninterest expense to average assets | 2.8659% | 3,422 |
| Loan and lease loss provision to assets | 0.2395% | 1,505 |
| Net operating income to assets | 0.7829% | 3,439 |
| Return on assets (ROA) | 0.7829% | 3,566 |
| Pretax return on assets | 1.2346% | 2,563 |
| Return on Equity (ROE) | 7.2212% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.8619% | 2,507 |
| Net charge-offs to loans | 0.0695% | 3,936 |
| Credit loss provision to net charge-offs | 451.3889% | 588 |
| Earnings coverage of net charge-offs (x) | 27.7840% | 1,297 |
| Efficiency ratio | 66.0357% | 4,470 |
| Assets per employee ($millions) | 3.9474% | 3,943 |
| Cash dividends to net income (ytd only)* | 18.8235% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4526% | 986 |
| Loan loss allowance to noncurrent loans | 231.9334% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 4,054 |
| Noncurrent loans to loans | 1.0575% | 3,686 |
| Net loans and leases to total assets | 71.7158% | 1,648 |
| Net loans and leases to deposits | 83.8502% | 1,897 |
| Net loans and leases to core deposits | 93.0765% | 1,661 |
| Total domestic deposits to total assets | 85.5284% | 3,481 |
| Equity capital to assets | 11.1825% | 2,581 |
| Core capital (leverage) ratio | 11.2192% | 2,285 |
| Tier 1 risk-based capital ratio | 16.0884% | 3,141 |
| Total risk-based capital ratio | 17.3549% | 3,098 |
| Memoranda: | ||
| Average total assets | $361,898,750 | 1,807 |
| Average earning assets | $335,274,750 | 1,785 |
| Average equity | $39,235,500 | 1,797 |
| Average total loans | $276,261,250 | 1,528 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,391 |
| Cost of funding earning assets | 0.7367% | 1,795 |
| Net interest margin | 3.4580% | 3,965 |
| Noninterest income to average assets | 1.2315% | 1,025 |
| Noninterest expense to average assets | 2.8838% | 3,383 |
| Loan and lease loss provision to assets | 0.3433% | 979 |
| Net operating income to assets | 0.7696% | 3,468 |
| Return on assets (ROA) | 0.7696% | 3,628 |
| Pretax return on assets | 1.2117% | 2,618 |
| Return on Equity (ROE) | 7.1715% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.1715% | 1,809 |
| Net charge-offs to loans | 0.1273% | 3,104 |
| Credit loss provision to net charge-offs | 349.1620% | 749 |
| Earnings coverage of net charge-offs (x) | 15.8156% | 1,709 |
| Efficiency ratio | 64.9672% | 4,713 |
| Assets per employee ($millions) | 3.9766% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 1,247 |
| Loan loss allowance to noncurrent loans | 169.0013% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 3,600 |
| Noncurrent loans to loans | 1.3662% | 3,272 |
| Net loans and leases to total assets | 73.3924% | 1,342 |
| Net loans and leases to deposits | 85.2522% | 1,650 |
| Net loans and leases to core deposits | 95.0609% | 1,437 |
| Total domestic deposits to total assets | 86.0886% | 3,312 |
| Equity capital to assets | 10.7680% | 2,977 |
| Core capital (leverage) ratio | 10.8032% | 2,560 |
| Tier 1 risk-based capital ratio | 15.1249% | 3,696 |
| Total risk-based capital ratio | 16.3896% | 3,646 |
| Memoranda: | ||
| Average total assets | $364,108,670 | 1,799 |
| Average earning assets | $337,706,670 | 1,774 |
| Average equity | $39,071,330 | 1,794 |
| Average total loans | $281,285,000 | 1,510 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,881 |
| Cost of funding earning assets | 0.7684% | 1,719 |
| Net interest margin | 3.5332% | 3,552 |
| Noninterest income to average assets | 1.2223% | 1,019 |
| Noninterest expense to average assets | 2.8378% | 3,579 |
| Loan and lease loss provision to assets | 0.4405% | 654 |
| Net operating income to assets | 0.7653% | 3,357 |
| Return on assets (ROA) | 0.7653% | 3,500 |
| Pretax return on assets | 1.2201% | 2,509 |
| Return on Equity (ROE) | 7.1448% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.1448% | 2,092 |
| Net charge-offs to loans | 0.3332% | 1,640 |
| Credit loss provision to net charge-offs | 168.7764% | 1,243 |
| Earnings coverage of net charge-offs (x) | 6.3629% | 2,230 |
| Efficiency ratio | 63.0845% | 5,143 |
| Assets per employee ($millions) | 3.9325% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1539% | 1,681 |
| Loan loss allowance to noncurrent loans | 128.0794% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 3,250 |
| Noncurrent loans to loans | 1.6817% | 3,022 |
| Net loans and leases to total assets | 76.1165% | 827 |
| Net loans and leases to deposits | 88.5573% | 1,089 |
| Net loans and leases to core deposits | 98.8616% | 1,016 |
| Total domestic deposits to total assets | 85.9517% | 3,550 |
| Equity capital to assets | 10.8523% | 3,139 |
| Core capital (leverage) ratio | 10.7445% | 2,500 |
| Tier 1 risk-based capital ratio | 14.9406% | 3,883 |
| Total risk-based capital ratio | 16.2039% | 3,834 |
| Memoranda: | ||
| Average total assets | $363,237,500 | 1,816 |
| Average earning assets | $336,803,500 | 1,796 |
| Average equity | $38,909,500 | 1,822 |
| Average total loans | $284,501,000 | 1,486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 2,924 |
| Cost of funding earning assets | 0.9529% | 1,624 |
| Net interest margin | 3.6655% | 3,801 |
| Noninterest income to average assets | 1.2951% | 915 |
| Noninterest expense to average assets | 2.9220% | 3,558 |
| Loan and lease loss provision to assets | 0.5758% | 967 |
| Net operating income to assets | 0.7623% | 3,454 |
| Return on assets (ROA) | 0.7623% | 3,700 |
| Pretax return on assets | 1.2051% | 2,790 |
| Return on Equity (ROE) | 7.4841% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.0669% | 1,535 |
| Net charge-offs to loans | 0.5133% | 2,189 |
| Credit loss provision to net charge-offs | 137.1653% | 2,017 |
| Earnings coverage of net charge-offs (x) | 4.2423% | 3,429 |
| Efficiency ratio | 62.1305% | 5,217 |
| Assets per employee ($millions) | 3.9213% | 4,102 |
| Cash dividends to net income (ytd only)* | 5.5755% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,887 |
| Loan loss allowance to noncurrent loans | 102.7517% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 2,931 |
| Noncurrent loans to loans | 1.9968% | 2,700 |
| Net loans and leases to total assets | 77.2333% | 768 |
| Net loans and leases to deposits | 90.9177% | 989 |
| Net loans and leases to core deposits | 100.9050% | 967 |
| Total domestic deposits to total assets | 84.9485% | 3,888 |
| Equity capital to assets | 10.5725% | 3,438 |
| Core capital (leverage) ratio | 10.4689% | 2,802 |
| Tier 1 risk-based capital ratio | 14.7390% | 3,873 |
| Total risk-based capital ratio | 16.0017% | 3,816 |
| Memoranda: | ||
| Average total assets | $364,685,000 | 1,786 |
| Average earning assets | $339,052,600 | 1,755 |
| Average equity | $37,145,200 | 1,868 |
| Average total loans | $298,259,000 | 1,405 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 2,781 |
| Cost of funding earning assets | 0.9947% | 1,595 |
| Net interest margin | 3.7119% | 3,741 |
| Noninterest income to average assets | 1.1871% | 1,075 |
| Noninterest expense to average assets | 2.8513% | 3,789 |
| Loan and lease loss provision to assets | 0.5850% | 966 |
| Net operating income to assets | 0.7626% | 3,638 |
| Return on assets (ROA) | 0.7626% | 3,887 |
| Pretax return on assets | 1.2054% | 2,977 |
| Return on Equity (ROE) | 7.5593% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.5593% | 1,818 |
| Net charge-offs to loans | 0.6424% | 1,712 |
| Credit loss provision to net charge-offs | 110.3448% | 2,658 |
| Earnings coverage of net charge-offs (x) | 3.3772% | 3,672 |
| Efficiency ratio | 61.4288% | 5,240 |
| Assets per employee ($millions) | 3.8182% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,641 |
| Loan loss allowance to noncurrent loans | 58.0843% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.9815% | 1,754 |
| Noncurrent loans to loans | 3.1878% | 1,731 |
| Net loans and leases to total assets | 81.8355% | 352 |
| Net loans and leases to deposits | 96.6603% | 620 |
| Net loans and leases to core deposits | 107.4255% | 677 |
| Total domestic deposits to total assets | 84.6630% | 3,909 |
| Equity capital to assets | 10.7134% | 3,596 |
| Core capital (leverage) ratio | 10.5920% | 2,807 |
| Tier 1 risk-based capital ratio | 13.9689% | 4,550 |
| Total risk-based capital ratio | 15.2286% | 4,488 |
| Memoranda: | ||
| Average total assets | $364,686,000 | 1,807 |
| Average earning assets | $339,406,500 | 1,775 |
| Average equity | $36,792,500 | 1,905 |
| Average total loans | $300,935,000 | 1,407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 2,782 |
| Cost of funding earning assets | 1.0300% | 1,582 |
| Net interest margin | 3.7035% | 3,798 |
| Noninterest income to average assets | 0.9536% | 1,601 |
| Noninterest expense to average assets | 2.8003% | 4,020 |
| Loan and lease loss provision to assets | 0.5980% | 1,002 |
| Net operating income to assets | 0.6404% | 4,162 |
| Return on assets (ROA) | 0.6404% | 4,415 |
| Pretax return on assets | 1.0036% | 3,698 |
| Return on Equity (ROE) | 6.4768% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.4768% | 2,394 |
| Net charge-offs to loans | 0.7694% | 1,431 |
| Credit loss provision to net charge-offs | 94.5017% | 2,918 |
| Earnings coverage of net charge-offs (x) | 2.5309% | 3,746 |
| Efficiency ratio | 63.6162% | 4,964 |
| Assets per employee ($millions) | 4.0390% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,934 |
| Loan loss allowance to noncurrent loans | 52.4440% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.9471% | 1,870 |
| Noncurrent loans to loans | 3.3894% | 1,711 |
| Net loans and leases to total assets | 79.1988% | 595 |
| Net loans and leases to deposits | 93.4912% | 816 |
| Net loans and leases to core deposits | 103.4747% | 891 |
| Total domestic deposits to total assets | 84.7126% | 3,996 |
| Equity capital to assets | 10.0707% | 4,230 |
| Core capital (leverage) ratio | 9.9771% | 3,452 |
| Tier 1 risk-based capital ratio | 13.6869% | 4,681 |
| Total risk-based capital ratio | 14.9456% | 4,647 |
| Memoranda: | ||
| Average total assets | $367,885,330 | 1,793 |
| Average earning assets | $342,540,670 | 1,757 |
| Average equity | $36,376,000 | 1,915 |
| Average total loans | $302,556,670 | 1,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 2,340 |
| Cost of funding earning assets | 1.0618% | 1,610 |
| Net interest margin | 3.8131% | 3,332 |
| Noninterest income to average assets | 0.9651% | 1,520 |
| Noninterest expense to average assets | 2.7855% | 4,100 |
| Loan and lease loss provision to assets | 0.6521% | 836 |
| Net operating income to assets | 0.6858% | 3,955 |
| Return on assets (ROA) | 0.6858% | 4,169 |
| Pretax return on assets | 1.0792% | 3,400 |
| Return on Equity (ROE) | 7.0001% | 3,785 |
| Retained earnings to average equity (ytd only) | 7.0001% | 2,439 |
| Net charge-offs to loans | 0.8179% | 1,255 |
| Credit loss provision to net charge-offs | 96.0000% | 2,440 |
| Earnings coverage of net charge-offs (x) | 2.5488% | 3,149 |
| Efficiency ratio | 61.6699% | 5,339 |
| Assets per employee ($millions) | 4.0857% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 3,110 |
| Loan loss allowance to noncurrent loans | 43.4658% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.4438% | 1,672 |
| Noncurrent loans to loans | 4.0575% | 1,498 |
| Net loans and leases to total assets | 79.4764% | 459 |
| Net loans and leases to deposits | 93.4448% | 701 |
| Net loans and leases to core deposits | 104.0080% | 764 |
| Total domestic deposits to total assets | 85.0517% | 4,012 |
| Equity capital to assets | 9.7832% | 4,407 |
| Core capital (leverage) ratio | 9.7017% | 3,767 |
| Tier 1 risk-based capital ratio | 13.5478% | 4,793 |
| Total risk-based capital ratio | 14.7924% | 4,780 |
| Memoranda: | ||
| Average total assets | $368,052,500 | 1,800 |
| Average earning assets | $342,821,500 | 1,765 |
| Average equity | $36,056,500 | 1,925 |
| Average total loans | $305,653,000 | 1,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 2,076 |
| Cost of funding earning assets | 1.2376% | 1,802 |
| Net interest margin | 3.9582% | 3,077 |
| Noninterest income to average assets | 0.7101% | 2,546 |
| Noninterest expense to average assets | 2.6752% | 4,836 |
| Loan and lease loss provision to assets | 1.4699% | 510 |
| Net operating income to assets | 0.1748% | 5,659 |
| Return on assets (ROA) | 0.1856% | 5,766 |
| Pretax return on assets | 0.2533% | 5,664 |
| Return on Equity (ROE) | 1.8939% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.4603% | 5,167 |
| Net charge-offs to loans | 1.4017% | 1,164 |
| Credit loss provision to net charge-offs | 120.1479% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.3965% | 4,719 |
| Efficiency ratio | 61.0270% | 5,601 |
| Assets per employee ($millions) | 3.9598% | 3,953 |
| Cash dividends to net income (ytd only)* | 22.8951% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,137 |
| Loan loss allowance to noncurrent loans | 44.2076% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 3.7894% | 1,526 |
| Noncurrent loans to loans | 3.8837% | 1,616 |
| Net loans and leases to total assets | 83.7696% | 218 |
| Net loans and leases to deposits | 98.5615% | 525 |
| Net loans and leases to core deposits | 108.9109% | 657 |
| Total domestic deposits to total assets | 84.9922% | 3,853 |
| Equity capital to assets | 9.8102% | 4,428 |
| Core capital (leverage) ratio | 9.7560% | 3,664 |
| Tier 1 risk-based capital ratio | 13.2165% | 4,902 |
| Total risk-based capital ratio | 14.4665% | 4,881 |
| Memoranda: | ||
| Average total assets | $364,713,800 | 1,776 |
| Average earning assets | $338,490,800 | 1,753 |
| Average equity | $35,746,400 | 1,894 |
| Average total loans | $318,318,200 | 1,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 2,185 |
| Cost of funding earning assets | 1.2593% | 1,938 |
| Net interest margin | 3.9480% | 3,163 |
| Noninterest income to average assets | 0.7452% | 2,342 |
| Noninterest expense to average assets | 2.7067% | 4,699 |
| Loan and lease loss provision to assets | 0.9999% | 859 |
| Net operating income to assets | 0.4566% | 4,738 |
| Return on assets (ROA) | 0.4583% | 4,923 |
| Pretax return on assets | 0.7054% | 4,455 |
| Return on Equity (ROE) | 4.6770% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.0989% | 3,813 |
| Net charge-offs to loans | 1.1290% | 1,402 |
| Credit loss provision to net charge-offs | 100.8850% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 4,366 |
| Efficiency ratio | 61.3842% | 5,501 |
| Assets per employee ($millions) | 4.0412% | 3,756 |
| Cash dividends to net income (ytd only)* | 12.3603% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 4,497 |
| Loan loss allowance to noncurrent loans | 31.8809% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 4.2496% | 1,438 |
| Noncurrent loans to loans | 4.4334% | 1,457 |
| Net loans and leases to total assets | 85.4549% | 145 |
| Net loans and leases to deposits | 100.8708% | 432 |
| Net loans and leases to core deposits | 111.9928% | 606 |
| Total domestic deposits to total assets | 84.7172% | 3,903 |
| Equity capital to assets | 10.0011% | 4,338 |
| Core capital (leverage) ratio | 9.9332% | 3,523 |
| Tier 1 risk-based capital ratio | 13.2515% | 4,913 |
| Total risk-based capital ratio | 14.5014% | 4,884 |
| Memoranda: | ||
| Average total assets | $364,816,500 | 1,785 |
| Average earning assets | $338,591,000 | 1,763 |
| Average equity | $35,748,250 | 1,894 |
| Average total loans | $320,271,250 | 1,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2042% | 2,238 |
| Cost of funding earning assets | 1.2713% | 2,111 |
| Net interest margin | 3.9329% | 3,156 |
| Noninterest income to average assets | 0.6550% | 2,797 |
| Noninterest expense to average assets | 2.6556% | 4,985 |
| Loan and lease loss provision to assets | 1.0137% | 852 |
| Net operating income to assets | 0.4183% | 4,862 |
| Return on assets (ROA) | 0.4190% | 5,013 |
| Pretax return on assets | 0.6413% | 4,610 |
| Return on Equity (ROE) | 4.3051% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.3051% | 3,453 |
| Net charge-offs to loans | 0.7504% | 1,994 |
| Credit loss provision to net charge-offs | 153.2285% | 1,993 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,574 |
| Efficiency ratio | 61.6216% | 5,641 |
| Assets per employee ($millions) | 4.0000% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,703 |
| Loan loss allowance to noncurrent loans | 26.4320% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 5.3705% | 1,110 |
| Noncurrent loans to loans | 6.0405% | 982 |
| Net loans and leases to total assets | 86.9004% | 112 |
| Net loans and leases to deposits | 102.6277% | 362 |
| Net loans and leases to core deposits | 114.2308% | 569 |
| Total domestic deposits to total assets | 84.6754% | 4,036 |
| Equity capital to assets | 9.9999% | 4,149 |
| Core capital (leverage) ratio | 9.9403% | 3,336 |
| Tier 1 risk-based capital ratio | 13.3600% | 4,641 |
| Total risk-based capital ratio | 14.6099% | 4,620 |
| Memoranda: | ||
| Average total assets | $365,185,670 | 1,791 |
| Average earning assets | $339,344,000 | 1,762 |
| Average equity | $35,539,330 | 1,885 |
| Average total loans | $321,940,670 | 1,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 2,087 |
| Cost of funding earning assets | 1.3015% | 2,160 |
| Net interest margin | 3.9395% | 2,956 |
| Noninterest income to average assets | 0.7396% | 2,318 |
| Noninterest expense to average assets | 2.7310% | 4,717 |
| Loan and lease loss provision to assets | 1.2790% | 540 |
| Net operating income to assets | 0.2654% | 5,560 |
| Return on assets (ROA) | 0.2654% | 5,622 |
| Pretax return on assets | 0.3872% | 5,380 |
| Return on Equity (ROE) | 2.7642% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.7642% | 4,507 |
| Net charge-offs to loans | 1.1002% | 1,254 |
| Credit loss provision to net charge-offs | 131.9865% | 2,101 |
| Earnings coverage of net charge-offs (x) | 1.7194% | 3,451 |
| Efficiency ratio | 62.1073% | 5,663 |
| Assets per employee ($millions) | 4.0400% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 4,340 |
| Loan loss allowance to noncurrent loans | 27.8710% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 4.9373% | 1,276 |
| Noncurrent loans to loans | 5.2806% | 1,254 |
| Net loans and leases to total assets | 86.8675% | 105 |
| Net loans and leases to deposits | 103.0882% | 343 |
| Net loans and leases to core deposits | 114.0342% | 602 |
| Total domestic deposits to total assets | 84.2653% | 4,383 |
| Equity capital to assets | 9.7474% | 4,111 |
| Core capital (leverage) ratio | 9.6960% | 3,530 |
| Tier 1 risk-based capital ratio | 12.8806% | 4,921 |
| Total risk-based capital ratio | 14.1306% | 4,901 |
| Memoranda: | ||
| Average total assets | $367,776,500 | 1,792 |
| Average earning assets | $341,461,000 | 1,766 |
| Average equity | $35,309,000 | 1,882 |
| Average total loans | $323,950,500 | 1,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 2,520 |
| Cost of funding earning assets | 1.7597% | 1,342 |
| Net interest margin | 3.6757% | 4,463 |
| Noninterest income to average assets | 0.7804% | 2,376 |
| Noninterest expense to average assets | 2.5432% | 5,638 |
| Loan and lease loss provision to assets | 0.7346% | 2,234 |
| Net operating income to assets | 0.5990% | 3,673 |
| Return on assets (ROA) | 0.5990% | 3,836 |
| Pretax return on assets | 0.9034% | 3,277 |
| Return on Equity (ROE) | 6.5244% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,086 |
| Net charge-offs to loans | 0.6209% | 3,176 |
| Credit loss provision to net charge-offs | 134.5197% | 2,900 |
| Earnings coverage of net charge-offs (x) | 2.9995% | 3,571 |
| Efficiency ratio | 60.8253% | 5,923 |
| Assets per employee ($millions) | 4.1328% | 3,508 |
| Cash dividends to net income (ytd only)* | 39.0667% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,723 |
| Loan loss allowance to noncurrent loans | 25.8754% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 4.8950% | 1,318 |
| Noncurrent loans to loans | 5.2351% | 1,272 |
| Net loans and leases to total assets | 86.8117% | 141 |
| Net loans and leases to deposits | 103.3456% | 427 |
| Net loans and leases to core deposits | 114.9857% | 678 |
| Total domestic deposits to total assets | 84.0013% | 4,364 |
| Equity capital to assets | 9.4572% | 4,459 |
| Core capital (leverage) ratio | 9.4116% | 3,828 |
| Tier 1 risk-based capital ratio | 12.6470% | 4,898 |
| Total risk-based capital ratio | 13.8450% | 4,928 |
| Memoranda: | ||
| Average total assets | $375,594,800 | 1,754 |
| Average earning assets | $347,497,600 | 1,720 |
| Average equity | $34,486,000 | 1,919 |
| Average total loans | $330,344,400 | 1,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 2,582 |
| Cost of funding earning assets | 1.8331% | 1,289 |
| Net interest margin | 3.6322% | 4,719 |
| Noninterest income to average assets | 0.6718% | 3,005 |
| Noninterest expense to average assets | 2.5306% | 5,601 |
| Loan and lease loss provision to assets | 0.6406% | 2,387 |
| Net operating income to assets | 0.5719% | 3,997 |
| Return on assets (ROA) | 0.5719% | 4,164 |
| Pretax return on assets | 0.8573% | 3,709 |
| Return on Equity (ROE) | 6.2753% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.8598% | 4,419 |
| Net charge-offs to loans | 0.7232% | 2,617 |
| Credit loss provision to net charge-offs | 100.7238% | 4,284 |
| Earnings coverage of net charge-offs (x) | 2.3552% | 3,997 |
| Efficiency ratio | 62.8165% | 5,464 |
| Assets per employee ($millions) | 4.2712% | 3,311 |
| Cash dividends to net income (ytd only)* | 54.4272% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,899 |
| Loan loss allowance to noncurrent loans | 25.4097% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 4.1038% | 1,682 |
| Noncurrent loans to loans | 4.3700% | 1,665 |
| Net loans and leases to total assets | 86.5771% | 161 |
| Net loans and leases to deposits | 103.2504% | 467 |
| Net loans and leases to core deposits | 117.8592% | 688 |
| Total domestic deposits to total assets | 83.8516% | 4,211 |
| Equity capital to assets | 9.0124% | 5,563 |
| Core capital (leverage) ratio | 8.9451% | 4,771 |
| Tier 1 risk-based capital ratio | 11.8835% | 5,567 |
| Total risk-based capital ratio | 13.1335% | 5,541 |
| Memoranda: | ||
| Average total assets | $376,506,000 | 1,773 |
| Average earning assets | $347,956,000 | 1,745 |
| Average equity | $34,313,500 | 1,956 |
| Average total loans | $331,098,000 | 1,361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 2,802 |
| Cost of funding earning assets | 1.9091% | 1,208 |
| Net interest margin | 3.5309% | 5,124 |
| Noninterest income to average assets | 0.5890% | 3,423 |
| Noninterest expense to average assets | 2.5115% | 5,679 |
| Loan and lease loss provision to assets | 0.4809% | 2,900 |
| Net operating income to assets | 0.5724% | 3,982 |
| Return on assets (ROA) | 0.5724% | 4,126 |
| Pretax return on assets | 0.8564% | 3,672 |
| Return on Equity (ROE) | 6.2567% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.0698% | 3,492 |
| Net charge-offs to loans | 0.6371% | 2,638 |
| Credit loss provision to net charge-offs | 85.7007% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.3832% | 3,801 |
| Efficiency ratio | 65.2536% | 5,113 |
| Assets per employee ($millions) | 4.1612% | 3,465 |
| Cash dividends to net income (ytd only)* | 34.9533% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,132 |
| Loan loss allowance to noncurrent loans | 25.6344% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 4.0035% | 1,728 |
| Noncurrent loans to loans | 4.1386% | 1,806 |
| Net loans and leases to total assets | 88.0699% | 127 |
| Net loans and leases to deposits | 110.6560% | 256 |
| Net loans and leases to core deposits | 131.4126% | 400 |
| Total domestic deposits to total assets | 79.5889% | 5,863 |
| Equity capital to assets | 9.1227% | 5,259 |
| Core capital (leverage) ratio | 9.0675% | 4,496 |
| Tier 1 risk-based capital ratio | 11.8120% | 5,480 |
| Total risk-based capital ratio | 13.0435% | 5,464 |
| Memoranda: | ||
| Average total assets | $373,873,330 | 1,797 |
| Average earning assets | $345,183,000 | 1,772 |
| Average equity | $34,203,330 | 1,956 |
| Average total loans | $329,283,000 | 1,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 2,799 |
| Cost of funding earning assets | 2.0135% | 1,038 |
| Net interest margin | 3.4428% | 5,409 |
| Noninterest income to average assets | 0.6730% | 2,790 |
| Noninterest expense to average assets | 2.4594% | 5,873 |
| Loan and lease loss provision to assets | 0.4673% | 2,631 |
| Net operating income to assets | 0.6095% | 3,852 |
| Return on assets (ROA) | 0.6095% | 4,000 |
| Pretax return on assets | 0.9185% | 3,400 |
| Return on Equity (ROE) | 6.6525% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.5368% | 3,433 |
| Net charge-offs to loans | 0.0615% | 4,802 |
| Credit loss provision to net charge-offs | 868.0000% | 533 |
| Earnings coverage of net charge-offs (x) | 25.7400% | 976 |
| Efficiency ratio | 63.9597% | 5,503 |
| Assets per employee ($millions) | 4.0410% | 3,774 |
| Cash dividends to net income (ytd only)* | 31.8021% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,122 |
| Loan loss allowance to noncurrent loans | 25.0243% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 4.9100% | 1,322 |
| Noncurrent loans to loans | 5.0556% | 1,427 |
| Net loans and leases to total assets | 86.5097% | 189 |
| Net loans and leases to deposits | 110.1949% | 286 |
| Net loans and leases to core deposits | 131.9805% | 438 |
| Total domestic deposits to total assets | 78.5061% | 6,206 |
| Equity capital to assets | 9.2059% | 4,982 |
| Core capital (leverage) ratio | 9.1521% | 4,295 |
| Tier 1 risk-based capital ratio | 11.7357% | 5,459 |
| Total risk-based capital ratio | 12.9856% | 5,406 |
| Memoranda: | ||
| Average total assets | $371,474,500 | 1,847 |
| Average earning assets | $342,283,000 | 1,827 |
| Average equity | $34,032,500 | 1,983 |
| Average total loans | $325,389,000 | 1,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 3,336 |
| Cost of funding earning assets | 2.6848% | 619 |
| Net interest margin | 2.9681% | 6,718 |
| Noninterest income to average assets | 0.7693% | 2,559 |
| Noninterest expense to average assets | 2.6071% | 5,774 |
| Loan and lease loss provision to assets | 0.8552% | 2,599 |
| Net operating income to assets | 0.0632% | 5,309 |
| Return on assets (ROA) | 0.1600% | 5,094 |
| Pretax return on assets | 0.1717% | 5,070 |
| Return on Equity (ROE) | 1.7571% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.4790% | 5,099 |
| Net charge-offs to loans | 0.6474% | 3,251 |
| Credit loss provision to net charge-offs | 151.7323% | 3,038 |
| Earnings coverage of net charge-offs (x) | 1.6374% | 4,515 |
| Efficiency ratio | 73.8557% | 3,925 |
| Assets per employee ($millions) | 3.9912% | 3,830 |
| Cash dividends to net income (ytd only)* | 127.2575% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,643 |
| Loan loss allowance to noncurrent loans | 34.7596% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 1,988 |
| Noncurrent loans to loans | 3.3076% | 2,310 |
| Net loans and leases to total assets | 86.5628% | 244 |
| Net loans and leases to deposits | 115.2492% | 246 |
| Net loans and leases to core deposits | 148.2198% | 553 |
| Total domestic deposits to total assets | 75.1092% | 6,844 |
| Equity capital to assets | 9.1169% | 4,962 |
| Core capital (leverage) ratio | 9.0625% | 4,321 |
| Tier 1 risk-based capital ratio | 11.6208% | 5,276 |
| Total risk-based capital ratio | 12.8707% | 5,233 |
| Memoranda: | ||
| Average total assets | $373,824,800 | 1,828 |
| Average earning assets | $347,699,400 | 1,796 |
| Average equity | $34,032,600 | 1,972 |
| Average total loans | $325,466,400 | 1,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 3,361 |
| Cost of funding earning assets | 2.8168% | 575 |
| Net interest margin | 2.8787% | 6,906 |
| Noninterest income to average assets | 0.8018% | 2,424 |
| Noninterest expense to average assets | 2.6265% | 5,613 |
| Loan and lease loss provision to assets | 0.6491% | 2,810 |
| Net operating income to assets | 0.1597% | 5,285 |
| Return on assets (ROA) | 0.2663% | 5,019 |
| Pretax return on assets | 0.3468% | 4,939 |
| Return on Equity (ROE) | 2.9263% | 4,823 |
| Retained earnings to average equity (ytd only) | 0.5399% | 4,983 |
| Net charge-offs to loans | 0.6462% | 2,750 |
| Credit loss provision to net charge-offs | 115.5260% | 4,396 |
| Earnings coverage of net charge-offs (x) | 1.5260% | 4,640 |
| Efficiency ratio | 75.3909% | 3,614 |
| Assets per employee ($millions) | 4.1462% | 3,470 |
| Cash dividends to net income (ytd only)* | 81.5504% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,774 |
| Loan loss allowance to noncurrent loans | 30.9843% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.8649% | 2,431 |
| Noncurrent loans to loans | 2.8907% | 2,636 |
| Net loans and leases to total assets | 87.7339% | 219 |
| Net loans and leases to deposits | 118.2533% | 235 |
| Net loans and leases to core deposits | 151.4102% | 552 |
| Total domestic deposits to total assets | 74.1915% | 6,913 |
| Equity capital to assets | 9.3648% | 4,934 |
| Core capital (leverage) ratio | 9.3032% | 4,185 |
| Tier 1 risk-based capital ratio | 11.8571% | 5,100 |
| Total risk-based capital ratio | 12.8689% | 5,260 |
| Memoranda: | ||
| Average total assets | $374,486,500 | 1,838 |
| Average earning assets | $348,898,000 | 1,800 |
| Average equity | $34,080,750 | 1,996 |
| Average total loans | $325,573,250 | 1,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 3,655 |
| Cost of funding earning assets | 2.8929% | 621 |
| Net interest margin | 2.7881% | 7,034 |
| Noninterest income to average assets | 0.8314% | 2,262 |
| Noninterest expense to average assets | 2.6270% | 5,630 |
| Loan and lease loss provision to assets | 0.5073% | 2,999 |
| Net operating income to assets | 0.2181% | 5,190 |
| Return on assets (ROA) | 0.3664% | 4,730 |
| Pretax return on assets | 0.5105% | 4,585 |
| Return on Equity (ROE) | 4.0645% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.8736% | 4,299 |
| Net charge-offs to loans | 0.3462% | 3,454 |
| Credit loss provision to net charge-offs | 169.5575% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.7133% | 3,722 |
| Efficiency ratio | 76.3936% | 3,621 |
| Assets per employee ($millions) | 4.2337% | 3,228 |
| Cash dividends to net income (ytd only)* | 53.9017% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 6,617 |
| Loan loss allowance to noncurrent loans | 33.9515% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 2.7659% | 2,330 |
| Noncurrent loans to loans | 2.7597% | 2,613 |
| Net loans and leases to total assets | 85.2738% | 465 |
| Net loans and leases to deposits | 113.5018% | 420 |
| Net loans and leases to core deposits | 140.2676% | 999 |
| Total domestic deposits to total assets | 75.1300% | 6,739 |
| Equity capital to assets | 9.0839% | 5,193 |
| Core capital (leverage) ratio | 9.0517% | 4,551 |
| Tier 1 risk-based capital ratio | 11.6138% | 5,272 |
| Total risk-based capital ratio | 12.6492% | 5,406 |
| Memoranda: | ||
| Average total assets | $377,692,670 | 1,839 |
| Average earning assets | $353,215,000 | 1,801 |
| Average equity | $34,051,330 | 1,989 |
| Average total loans | $326,429,000 | 1,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 4,177 |
| Cost of funding earning assets | 2.9251% | 727 |
| Net interest margin | 2.7046% | 7,195 |
| Noninterest income to average assets | 0.7003% | 2,892 |
| Noninterest expense to average assets | 2.5546% | 5,632 |
| Loan and lease loss provision to assets | 0.6019% | 2,095 |
| Net operating income to assets | 0.0519% | 6,123 |
| Return on assets (ROA) | 0.3523% | 5,242 |
| Pretax return on assets | 0.4845% | 5,126 |
| Return on Equity (ROE) | 3.9219% | 4,968 |
| Retained earnings to average equity (ytd only) | 1.8020% | 4,844 |
| Net charge-offs to loans | 0.4568% | 2,309 |
| Credit loss provision to net charge-offs | 152.1390% | 2,741 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 3,875 |
| Efficiency ratio | 79.1025% | 2,981 |
| Assets per employee ($millions) | 4.5194% | 2,687 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,862 |
| Loan loss allowance to noncurrent loans | 31.3819% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.8218% | 2,014 |
| Noncurrent loans to loans | 2.7818% | 2,359 |
| Net loans and leases to total assets | 83.9759% | 692 |
| Net loans and leases to deposits | 116.5154% | 374 |
| Net loans and leases to core deposits | 142.4978% | 985 |
| Total domestic deposits to total assets | 72.0728% | 7,198 |
| Equity capital to assets | 8.8629% | 5,535 |
| Core capital (leverage) ratio | 8.8343% | 4,932 |
| Tier 1 risk-based capital ratio | 11.6296% | 5,271 |
| Total risk-based capital ratio | 12.6037% | 5,451 |
| Memoranda: | ||
| Average total assets | $378,139,500 | 1,848 |
| Average earning assets | $353,623,000 | 1,812 |
| Average equity | $33,963,000 | 2,007 |
| Average total loans | $327,468,500 | 1,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4162% | 3,329 |
| Cost of funding earning assets | 3.3984% | 713 |
| Net interest margin | 3.0178% | 6,861 |
| Noninterest income to average assets | 0.6440% | 3,517 |
| Noninterest expense to average assets | 2.4008% | 6,389 |
| Loan and lease loss provision to assets | 0.3083% | 3,905 |
| Net operating income to assets | 0.5013% | 4,729 |
| Return on assets (ROA) | 0.5234% | 4,492 |
| Pretax return on assets | 0.7713% | 4,176 |
| Return on Equity (ROE) | 5.5368% | 4,143 |
| Retained earnings to average equity (ytd only) | 0.7842% | 4,750 |
| Net charge-offs to loans | 0.4240% | 2,697 |
| Credit loss provision to net charge-offs | 82.7949% | 5,845 |
| Earnings coverage of net charge-offs (x) | 2.8122% | 4,675 |
| Efficiency ratio | 69.6308% | 4,425 |
| Assets per employee ($millions) | 4.2287% | 3,062 |
| Cash dividends to net income (ytd only)* | 85.8365% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 7,100 |
| Loan loss allowance to noncurrent loans | 37.0848% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2968% | 2,117 |
| Noncurrent loans to loans | 2.1654% | 2,548 |
| Net loans and leases to total assets | 87.8343% | 386 |
| Net loans and leases to deposits | 126.6816% | 263 |
| Net loans and leases to core deposits | 152.9905% | 749 |
| Total domestic deposits to total assets | 69.3347% | 7,347 |
| Equity capital to assets | 9.1041% | 5,220 |
| Core capital (leverage) ratio | 9.0777% | 4,636 |
| Tier 1 risk-based capital ratio | 11.8661% | 4,926 |
| Total risk-based capital ratio | 12.7961% | 5,087 |
| Memoranda: | ||
| Average total assets | $357,460,000 | 1,870 |
| Average earning assets | $332,130,600 | 1,843 |
| Average equity | $33,792,000 | 2,005 |
| Average total loans | $313,939,800 | 1,545 |