Home > Lewiston State Bank > Performance and Condition Ratios
Lewiston State Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,242 |
| Cost of funding earning assets | 0.1230% | 6,029 |
| Net interest margin | 4.4937% | 647 |
| Noninterest income to average assets | 0.9189% | 1,393 |
| Noninterest expense to average assets | 3.3637% | 1,538 |
| Loan and lease loss provision to assets | 0.2030% | 962 |
| Net operating income to assets | 0.9913% | 2,430 |
| Return on assets (ROA) | 0.9913% | 2,542 |
| Pretax return on assets | 1.4819% | 1,698 |
| Return on Equity (ROE) | 9.3658% | 2,356 |
| Retained earnings to average equity (ytd only) | 8.0872% | 1,230 |
| Net charge-offs to loans | -0.0387% | 5,436 |
| Credit loss provision to net charge-offs | -789.4737% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9697% | 4,013 |
| Assets per employee ($millions) | 3.8467% | 4,175 |
| Cash dividends to net income (ytd only)* | 13.6519% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 5,975 |
| Loan loss allowance to noncurrent loans | 42.0145% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 2,194 |
| Noncurrent loans to loans | 1.4303% | 1,871 |
| Net loans and leases to total assets | 66.2970% | 2,896 |
| Net loans and leases to deposits | 74.8018% | 3,401 |
| Net loans and leases to core deposits | 76.9988% | 3,668 |
| Total domestic deposits to total assets | 88.6302% | 1,342 |
| Equity capital to assets | 10.4649% | 3,479 |
| Core capital (leverage) ratio | 10.4934% | 2,963 |
| Tier 1 risk-based capital ratio | 14.0553% | 3,894 |
| Total risk-based capital ratio | 14.6069% | 4,235 |
| Memoranda: | ||
| Average total assets | $295,565,670 | 2,203 |
| Average earning assets | $271,624,670 | 2,221 |
| Average equity | $31,284,000 | 2,264 |
| Average total loans | $196,596,670 | 2,115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 1,178 |
| Cost of funding earning assets | 0.1333% | 6,039 |
| Net interest margin | 4.4879% | 614 |
| Noninterest income to average assets | 0.8922% | 1,409 |
| Noninterest expense to average assets | 3.3644% | 1,568 |
| Loan and lease loss provision to assets | 0.1373% | 1,501 |
| Net operating income to assets | 1.0117% | 2,209 |
| Return on assets (ROA) | 1.0117% | 2,345 |
| Pretax return on assets | 1.5031% | 1,560 |
| Return on Equity (ROE) | 9.5020% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.5020% | 1,041 |
| Net charge-offs to loans | 0.0083% | 3,050 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 298.7500% | 191 |
| Efficiency ratio | 66.5661% | 4,058 |
| Assets per employee ($millions) | 3.7368% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 6,168 |
| Loan loss allowance to noncurrent loans | 35.6856% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 1,924 |
| Noncurrent loans to loans | 1.3988% | 2,054 |
| Net loans and leases to total assets | 65.9002% | 2,794 |
| Net loans and leases to deposits | 74.5880% | 3,219 |
| Net loans and leases to core deposits | 76.9452% | 3,498 |
| Total domestic deposits to total assets | 88.3522% | 1,632 |
| Equity capital to assets | 10.6739% | 3,343 |
| Core capital (leverage) ratio | 10.6418% | 2,803 |
| Tier 1 risk-based capital ratio | 14.3800% | 3,786 |
| Total risk-based capital ratio | 14.8415% | 4,192 |
| Memoranda: | ||
| Average total assets | $291,402,000 | 2,242 |
| Average earning assets | $267,029,000 | 2,269 |
| Average equity | $31,025,000 | 2,292 |
| Average total loans | $193,550,000 | 2,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,347 |
| Cost of funding earning assets | 0.1859% | 5,871 |
| Net interest margin | 4.4976% | 754 |
| Noninterest income to average assets | 0.7747% | 1,970 |
| Noninterest expense to average assets | 3.7839% | 1,007 |
| Loan and lease loss provision to assets | 0.2152% | 1,160 |
| Net operating income to assets | 0.6335% | 4,218 |
| Return on assets (ROA) | 0.6370% | 4,306 |
| Pretax return on assets | 0.9189% | 3,833 |
| Return on Equity (ROE) | 5.9008% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.5718% | 2,922 |
| Net charge-offs to loans | -0.1522% | 6,217 |
| Credit loss provision to net charge-offs | -214.2857% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3104% | 2,465 |
| Assets per employee ($millions) | 3.6871% | 4,549 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4593% | 6,290 |
| Loan loss allowance to noncurrent loans | 30.3553% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4941% | 1,832 |
| Noncurrent loans to loans | 1.5132% | 1,939 |
| Net loans and leases to total assets | 66.3088% | 2,832 |
| Net loans and leases to deposits | 74.8882% | 3,327 |
| Net loans and leases to core deposits | 77.5536% | 3,557 |
| Total domestic deposits to total assets | 88.5437% | 1,500 |
| Equity capital to assets | 10.6190% | 3,337 |
| Core capital (leverage) ratio | 10.2289% | 3,274 |
| Tier 1 risk-based capital ratio | 13.9419% | 4,131 |
| Total risk-based capital ratio | 14.3643% | 4,568 |
| Memoranda: | ||
| Average total assets | $278,812,400 | 2,288 |
| Average earning assets | $256,535,200 | 2,298 |
| Average equity | $30,097,400 | 2,265 |
| Average total loans | $184,009,000 | 2,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 1,100 |
| Cost of funding earning assets | 0.1938% | 5,882 |
| Net interest margin | 4.6098% | 607 |
| Noninterest income to average assets | 0.7355% | 2,151 |
| Noninterest expense to average assets | 3.7697% | 1,012 |
| Loan and lease loss provision to assets | 0.2169% | 1,059 |
| Net operating income to assets | 0.7014% | 3,934 |
| Return on assets (ROA) | 0.7061% | 4,013 |
| Pretax return on assets | 1.0088% | 3,559 |
| Return on Equity (ROE) | 6.5138% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.0692% | 2,367 |
| Net charge-offs to loans | -0.0571% | 5,961 |
| Credit loss provision to net charge-offs | -576.9231% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8599% | 2,684 |
| Assets per employee ($millions) | 3.6444% | 4,582 |
| Cash dividends to net income (ytd only)* | 6.8260% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2885% | 6,470 |
| Loan loss allowance to noncurrent loans | 11.5410% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 2.3038% | 1,183 |
| Noncurrent loans to loans | 2.5001% | 1,172 |
| Net loans and leases to total assets | 64.1883% | 3,149 |
| Net loans and leases to deposits | 72.6886% | 3,600 |
| Net loans and leases to core deposits | 75.1243% | 3,843 |
| Total domestic deposits to total assets | 88.3060% | 1,602 |
| Equity capital to assets | 10.8037% | 3,178 |
| Core capital (leverage) ratio | 10.5495% | 2,981 |
| Tier 1 risk-based capital ratio | 14.4111% | 3,935 |
| Total risk-based capital ratio | 14.6759% | 4,531 |
| Memoranda: | ||
| Average total assets | $276,616,250 | 2,319 |
| Average earning assets | $255,218,000 | 2,317 |
| Average equity | $29,986,750 | 2,288 |
| Average total loans | $182,115,750 | 2,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 939 |
| Cost of funding earning assets | 0.1952% | 5,949 |
| Net interest margin | 4.6853% | 503 |
| Noninterest income to average assets | 0.7225% | 2,173 |
| Noninterest expense to average assets | 3.9224% | 834 |
| Loan and lease loss provision to assets | 0.2189% | 1,064 |
| Net operating income to assets | 0.6199% | 4,251 |
| Return on assets (ROA) | 0.6269% | 4,308 |
| Pretax return on assets | 0.9180% | 3,815 |
| Return on Equity (ROE) | 5.7757% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.1033% | 2,895 |
| Net charge-offs to loans | -0.0748% | 6,049 |
| Credit loss provision to net charge-offs | -441.1765% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9764% | 2,457 |
| Assets per employee ($millions) | 3.6318% | 4,594 |
| Cash dividends to net income (ytd only)* | 11.6414% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2016% | 6,567 |
| Loan loss allowance to noncurrent loans | 10.6021% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 1,629 |
| Noncurrent loans to loans | 1.9017% | 1,799 |
| Net loans and leases to total assets | 65.9938% | 2,748 |
| Net loans and leases to deposits | 74.8626% | 3,214 |
| Net loans and leases to core deposits | 77.5405% | 3,492 |
| Total domestic deposits to total assets | 88.1531% | 1,821 |
| Equity capital to assets | 10.9194% | 2,959 |
| Core capital (leverage) ratio | 10.5239% | 2,916 |
| Tier 1 risk-based capital ratio | 13.7985% | 4,389 |
| Total risk-based capital ratio | 13.9809% | 5,017 |
| Memoranda: | ||
| Average total assets | $274,066,670 | 2,342 |
| Average earning assets | $253,092,000 | 2,328 |
| Average equity | $29,745,330 | 2,286 |
| Average total loans | $181,823,330 | 2,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 815 |
| Cost of funding earning assets | 0.2065% | 5,947 |
| Net interest margin | 4.7282% | 438 |
| Noninterest income to average assets | 0.9784% | 1,179 |
| Noninterest expense to average assets | 3.2590% | 2,048 |
| Loan and lease loss provision to assets | 0.2197% | 1,033 |
| Net operating income to assets | 1.2714% | 1,294 |
| Return on assets (ROA) | 1.2714% | 1,344 |
| Pretax return on assets | 1.8602% | 710 |
| Return on Equity (ROE) | 11.7502% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.7502% | 640 |
| Net charge-offs to loans | -0.0727% | 5,972 |
| Credit loss provision to net charge-offs | -454.5455% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0425% | 5,261 |
| Assets per employee ($millions) | 3.7011% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1014% | 6,654 |
| Loan loss allowance to noncurrent loans | 4.7262% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 1,428 |
| Noncurrent loans to loans | 2.1446% | 1,705 |
| Net loans and leases to total assets | 64.9764% | 2,733 |
| Net loans and leases to deposits | 73.6459% | 3,108 |
| Net loans and leases to core deposits | 76.2532% | 3,386 |
| Total domestic deposits to total assets | 88.2281% | 2,093 |
| Equity capital to assets | 10.8382% | 2,896 |
| Core capital (leverage) ratio | 10.8054% | 2,592 |
| Tier 1 risk-based capital ratio | 14.2076% | 4,193 |
| Total risk-based capital ratio | 14.3040% | 4,906 |
| Memoranda: | ||
| Average total assets | $273,093,000 | 2,357 |
| Average earning assets | $251,848,500 | 2,342 |
| Average equity | $29,548,500 | 2,292 |
| Average total loans | $181,475,000 | 2,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0076% | 6,775 |
| Cost of funding earning assets | 0.0995% | 6,674 |
| Net interest margin | 0.9081% | 6,766 |
| Noninterest income to average assets | 0.1654% | 6,102 |
| Noninterest expense to average assets | 0.6704% | 6,778 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2480% | 5,695 |
| Return on assets (ROA) | 0.2480% | 5,765 |
| Pretax return on assets | 0.3266% | 5,657 |
| Return on Equity (ROE) | 2.2261% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.1777% | 5,298 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2394% | 4,337 |
| Assets per employee ($millions) | 3.7306% | 4,410 |
| Cash dividends to net income (ytd only)* | 47.0958% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.2740% | 1,559 |
| Noncurrent loans to loans | 1.8042% | 2,229 |
| Net loans and leases to total assets | 67.9083% | 2,371 |
| Net loans and leases to deposits | 76.8087% | 2,883 |
| Net loans and leases to core deposits | 79.6085% | 3,177 |
| Total domestic deposits to total assets | 88.4122% | 1,944 |
| Equity capital to assets | 10.8011% | 2,814 |
| Core capital (leverage) ratio | 10.6283% | 2,755 |
| Tier 1 risk-based capital ratio | 13.8168% | 4,425 |
| Total risk-based capital ratio | 13.8233% | 5,194 |
| Memoranda: | ||
| Average total assets | $256,879,200 | 2,463 |
| Average earning assets | $235,206,400 | 2,469 |
| Average equity | $28,615,400 | 2,331 |
| Average total loans | $177,080,800 | 2,225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 1,243 |
| Cost of funding earning assets | 0.5729% | 3,064 |
| Net interest margin | 4.2763% | 1,147 |
| Noninterest income to average assets | 0.6216% | 3,030 |
| Noninterest expense to average assets | 3.5550% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7071% | 3,817 |
| Return on assets (ROA) | 0.7256% | 3,850 |
| Pretax return on assets | 1.0039% | 3,489 |
| Return on Equity (ROE) | 6.4616% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.8766% | 3,171 |
| Net charge-offs to loans | -0.1199% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4225% | 2,354 |
| Assets per employee ($millions) | 3.5183% | 4,810 |
| Cash dividends to net income (ytd only)* | 24.5297% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,033 |
| Loan loss allowance to noncurrent loans | 98.3412% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 3.1388% | 1,156 |
| Noncurrent loans to loans | 2.4543% | 1,778 |
| Net loans and leases to total assets | 68.1293% | 2,271 |
| Net loans and leases to deposits | 77.2253% | 2,790 |
| Net loans and leases to core deposits | 80.3703% | 3,085 |
| Total domestic deposits to total assets | 88.2215% | 1,981 |
| Equity capital to assets | 10.9650% | 2,788 |
| Core capital (leverage) ratio | 11.2210% | 2,283 |
| Tier 1 risk-based capital ratio | 14.3000% | 4,213 |
| Total risk-based capital ratio | 15.5615% | 4,154 |
| Memoranda: | ||
| Average total assets | $253,948,500 | 2,510 |
| Average earning assets | $232,281,250 | 2,508 |
| Average equity | $28,516,250 | 2,369 |
| Average total loans | $175,750,250 | 2,252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 1,298 |
| Cost of funding earning assets | 0.5813% | 3,116 |
| Net interest margin | 4.2325% | 1,192 |
| Noninterest income to average assets | 0.5099% | 3,768 |
| Noninterest expense to average assets | 3.5510% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6090% | 4,238 |
| Return on assets (ROA) | 0.6378% | 4,265 |
| Pretax return on assets | 0.8610% | 4,064 |
| Return on Equity (ROE) | 5.6340% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,542 |
| Net charge-offs to loans | -0.1888% | 6,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2023% | 2,002 |
| Assets per employee ($millions) | 3.4734% | 4,909 |
| Cash dividends to net income (ytd only)* | 23.5367% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4756% | 1,009 |
| Loan loss allowance to noncurrent loans | 98.0357% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 3.4146% | 1,136 |
| Noncurrent loans to loans | 2.5252% | 1,831 |
| Net loans and leases to total assets | 68.2384% | 2,190 |
| Net loans and leases to deposits | 77.8824% | 2,586 |
| Net loans and leases to core deposits | 81.1396% | 2,900 |
| Total domestic deposits to total assets | 87.6173% | 2,484 |
| Equity capital to assets | 11.1569% | 2,604 |
| Core capital (leverage) ratio | 11.2097% | 2,165 |
| Tier 1 risk-based capital ratio | 14.3584% | 4,188 |
| Total risk-based capital ratio | 15.6204% | 4,135 |
| Memoranda: | ||
| Average total assets | $251,813,000 | 2,536 |
| Average earning assets | $229,842,670 | 2,543 |
| Average equity | $28,505,670 | 2,389 |
| Average total loans | $173,745,330 | 2,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7626% | 1,375 |
| Cost of funding earning assets | 0.5883% | 3,226 |
| Net interest margin | 4.1743% | 1,266 |
| Noninterest income to average assets | 0.4001% | 4,455 |
| Noninterest expense to average assets | 3.5148% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5169% | 4,576 |
| Return on assets (ROA) | 0.5754% | 4,484 |
| Pretax return on assets | 0.7635% | 4,315 |
| Return on Equity (ROE) | 5.0465% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.0465% | 3,204 |
| Net charge-offs to loans | -0.2094% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6812% | 1,809 |
| Assets per employee ($millions) | 3.5020% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,109 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 3.9430% | 1,021 |
| Noncurrent loans to loans | 2.7290% | 1,867 |
| Net loans and leases to total assets | 66.5780% | 2,271 |
| Net loans and leases to deposits | 75.8485% | 2,661 |
| Net loans and leases to core deposits | 78.9643% | 2,937 |
| Total domestic deposits to total assets | 87.7775% | 2,472 |
| Equity capital to assets | 11.3968% | 2,522 |
| Core capital (leverage) ratio | 11.3021% | 2,014 |
| Tier 1 risk-based capital ratio | 14.4246% | 4,227 |
| Total risk-based capital ratio | 15.6868% | 4,187 |
| Memoranda: | ||
| Average total assets | $250,942,000 | 2,571 |
| Average earning assets | $228,445,500 | 2,580 |
| Average equity | $28,614,000 | 2,411 |
| Average total loans | $171,911,000 | 2,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 1,286 |
| Cost of funding earning assets | 0.6840% | 3,622 |
| Net interest margin | 4.4264% | 1,102 |
| Noninterest income to average assets | 0.6378% | 3,064 |
| Noninterest expense to average assets | 3.2496% | 2,472 |
| Loan and lease loss provision to assets | 0.3447% | 1,944 |
| Net operating income to assets | 0.7902% | 3,325 |
| Return on assets (ROA) | 0.8357% | 3,367 |
| Pretax return on assets | 1.1800% | 2,867 |
| Return on Equity (ROE) | 7.3472% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.2368% | 2,546 |
| Net charge-offs to loans | 0.3691% | 2,780 |
| Credit loss provision to net charge-offs | 132.1928% | 2,119 |
| Earnings coverage of net charge-offs (x) | 5.6019% | 2,997 |
| Efficiency ratio | 68.9910% | 3,975 |
| Assets per employee ($millions) | 3.5677% | 4,853 |
| Cash dividends to net income (ytd only)* | 28.7239% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4634% | 1,165 |
| Loan loss allowance to noncurrent loans | 84.4924% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 4.2636% | 988 |
| Noncurrent loans to loans | 2.9155% | 1,796 |
| Net loans and leases to total assets | 67.0312% | 2,357 |
| Net loans and leases to deposits | 76.3124% | 2,748 |
| Net loans and leases to core deposits | 79.5799% | 3,065 |
| Total domestic deposits to total assets | 87.8378% | 2,324 |
| Equity capital to assets | 11.4086% | 2,530 |
| Core capital (leverage) ratio | 10.9642% | 2,289 |
| Tier 1 risk-based capital ratio | 14.0706% | 4,328 |
| Total risk-based capital ratio | 15.3316% | 4,278 |
| Memoranda: | ||
| Average total assets | $246,615,400 | 2,561 |
| Average earning assets | $226,889,800 | 2,540 |
| Average equity | $28,051,600 | 2,391 |
| Average total loans | $174,202,200 | 2,268 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 1,236 |
| Cost of funding earning assets | 0.7005% | 3,770 |
| Net interest margin | 4.4815% | 1,028 |
| Noninterest income to average assets | 0.6367% | 3,066 |
| Noninterest expense to average assets | 3.1267% | 2,805 |
| Loan and lease loss provision to assets | 0.3525% | 1,847 |
| Net operating income to assets | 0.9118% | 2,921 |
| Return on assets (ROA) | 0.9209% | 3,099 |
| Pretax return on assets | 1.3065% | 2,582 |
| Return on Equity (ROE) | 8.1024% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.0670% | 2,086 |
| Net charge-offs to loans | -0.0869% | 6,825 |
| Credit loss provision to net charge-offs | -570.1754% | 6,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5114% | 4,536 |
| Assets per employee ($millions) | 3.7303% | 4,473 |
| Cash dividends to net income (ytd only)* | 12.7799% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7824% | 898 |
| Loan loss allowance to noncurrent loans | 129.5615% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 3.8106% | 1,291 |
| Noncurrent loans to loans | 2.1475% | 2,677 |
| Net loans and leases to total assets | 66.9078% | 2,482 |
| Net loans and leases to deposits | 76.2445% | 2,942 |
| Net loans and leases to core deposits | 79.6373% | 3,250 |
| Total domestic deposits to total assets | 87.7543% | 2,196 |
| Equity capital to assets | 11.5175% | 2,724 |
| Core capital (leverage) ratio | 11.1643% | 2,242 |
| Tier 1 risk-based capital ratio | 14.1204% | 4,438 |
| Total risk-based capital ratio | 15.3854% | 4,389 |
| Memoranda: | ||
| Average total assets | $245,833,750 | 2,594 |
| Average earning assets | $226,882,750 | 2,564 |
| Average equity | $27,941,500 | 2,416 |
| Average total loans | $174,844,500 | 2,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 1,328 |
| Cost of funding earning assets | 0.7598% | 3,520 |
| Net interest margin | 4.4135% | 1,165 |
| Noninterest income to average assets | 0.6234% | 3,109 |
| Noninterest expense to average assets | 3.0090% | 3,230 |
| Loan and lease loss provision to assets | 0.5318% | 1,176 |
| Net operating income to assets | 0.8393% | 3,201 |
| Return on assets (ROA) | 0.8533% | 3,393 |
| Pretax return on assets | 1.1985% | 2,930 |
| Return on Equity (ROE) | 7.5416% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.9725% | 2,731 |
| Net charge-offs to loans | -0.0785% | 6,800 |
| Credit loss provision to net charge-offs | -942.0290% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7546% | 4,936 |
| Assets per employee ($millions) | 4.1382% | 3,591 |
| Cash dividends to net income (ytd only)* | 20.8054% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6934% | 1,041 |
| Loan loss allowance to noncurrent loans | 59.4880% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.9491% | 1,307 |
| Noncurrent loans to loans | 4.5277% | 1,166 |
| Net loans and leases to total assets | 70.1367% | 1,895 |
| Net loans and leases to deposits | 79.9894% | 2,384 |
| Net loans and leases to core deposits | 83.7399% | 2,725 |
| Total domestic deposits to total assets | 87.6825% | 2,346 |
| Equity capital to assets | 11.5094% | 2,586 |
| Core capital (leverage) ratio | 11.1085% | 2,198 |
| Tier 1 risk-based capital ratio | 13.8329% | 4,575 |
| Total risk-based capital ratio | 15.0974% | 4,536 |
| Memoranda: | ||
| Average total assets | $244,467,670 | 2,603 |
| Average earning assets | $226,897,000 | 2,563 |
| Average equity | $27,660,000 | 2,430 |
| Average total loans | $175,789,330 | 2,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 1,195 |
| Cost of funding earning assets | 0.7869% | 3,571 |
| Net interest margin | 4.4713% | 1,067 |
| Noninterest income to average assets | 0.6704% | 2,814 |
| Noninterest expense to average assets | 2.9727% | 3,371 |
| Loan and lease loss provision to assets | 0.7358% | 692 |
| Net operating income to assets | 0.8012% | 3,372 |
| Return on assets (ROA) | 0.8012% | 3,606 |
| Pretax return on assets | 1.1152% | 3,265 |
| Return on Equity (ROE) | 7.1430% | 3,693 |
| Retained earnings to average equity (ytd only) | 7.1430% | 2,355 |
| Net charge-offs to loans | -0.0410% | 6,459 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6271% | 5,348 |
| Assets per employee ($millions) | 4.3701% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5798% | 1,251 |
| Loan loss allowance to noncurrent loans | 81.7106% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.9789% | 1,943 |
| Noncurrent loans to loans | 3.1573% | 2,033 |
| Net loans and leases to total assets | 69.2836% | 1,891 |
| Net loans and leases to deposits | 78.7838% | 2,371 |
| Net loans and leases to core deposits | 83.0780% | 2,672 |
| Total domestic deposits to total assets | 87.9415% | 2,362 |
| Equity capital to assets | 11.3001% | 2,627 |
| Core capital (leverage) ratio | 10.9870% | 2,267 |
| Tier 1 risk-based capital ratio | 13.7939% | 4,618 |
| Total risk-based capital ratio | 15.0573% | 4,584 |
| Memoranda: | ||
| Average total assets | $244,623,500 | 2,617 |
| Average earning assets | $227,228,500 | 2,570 |
| Average equity | $27,439,500 | 2,438 |
| Average total loans | $175,692,500 | 2,297 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 904 |
| Cost of funding earning assets | 0.9234% | 3,931 |
| Net interest margin | 4.7055% | 749 |
| Noninterest income to average assets | 0.4464% | 4,250 |
| Noninterest expense to average assets | 2.8836% | 4,028 |
| Loan and lease loss provision to assets | 0.8468% | 1,147 |
| Net operating income to assets | 0.7817% | 3,130 |
| Return on assets (ROA) | 0.8040% | 3,186 |
| Pretax return on assets | 1.1264% | 2,738 |
| Return on Equity (ROE) | 7.3017% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.7713% | 2,141 |
| Net charge-offs to loans | 1.4391% | 1,131 |
| Credit loss provision to net charge-offs | 80.3820% | 4,433 |
| Earnings coverage of net charge-offs (x) | 1.8432% | 4,391 |
| Efficiency ratio | 59.7602% | 5,797 |
| Assets per employee ($millions) | 4.2159% | 3,438 |
| Cash dividends to net income (ytd only)* | 20.9593% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 1,682 |
| Loan loss allowance to noncurrent loans | 107.2839% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5413% | 2,389 |
| Noncurrent loans to loans | 2.1134% | 3,051 |
| Net loans and leases to total assets | 70.8810% | 1,849 |
| Net loans and leases to deposits | 81.9469% | 2,211 |
| Net loans and leases to core deposits | 86.7138% | 2,540 |
| Total domestic deposits to total assets | 86.4962% | 3,030 |
| Equity capital to assets | 11.1339% | 2,854 |
| Core capital (leverage) ratio | 10.7571% | 2,465 |
| Tier 1 risk-based capital ratio | 13.3761% | 4,789 |
| Total risk-based capital ratio | 14.6360% | 4,755 |
| Memoranda: | ||
| Average total assets | $238,556,000 | 2,649 |
| Average earning assets | $221,994,600 | 2,589 |
| Average equity | $26,267,800 | 2,461 |
| Average total loans | $174,619,000 | 2,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 907 |
| Cost of funding earning assets | 0.9597% | 3,959 |
| Net interest margin | 4.7051% | 757 |
| Noninterest income to average assets | 0.4477% | 4,314 |
| Noninterest expense to average assets | 2.8475% | 4,150 |
| Loan and lease loss provision to assets | 0.6749% | 1,431 |
| Net operating income to assets | 0.9250% | 2,649 |
| Return on assets (ROA) | 0.9550% | 2,673 |
| Pretax return on assets | 1.3487% | 2,120 |
| Return on Equity (ROE) | 8.6979% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.7913% | 1,595 |
| Net charge-offs to loans | 1.2042% | 1,302 |
| Credit loss provision to net charge-offs | 76.3845% | 4,267 |
| Earnings coverage of net charge-offs (x) | 2.2425% | 4,006 |
| Efficiency ratio | 58.9681% | 5,870 |
| Assets per employee ($millions) | 4.0703% | 3,700 |
| Cash dividends to net income (ytd only)* | 10.4239% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 1,547 |
| Loan loss allowance to noncurrent loans | 81.5872% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9445% | 2,187 |
| Noncurrent loans to loans | 2.9295% | 2,379 |
| Net loans and leases to total assets | 70.4553% | 1,991 |
| Net loans and leases to deposits | 80.5982% | 2,577 |
| Net loans and leases to core deposits | 85.7374% | 2,813 |
| Total domestic deposits to total assets | 87.4155% | 2,399 |
| Equity capital to assets | 11.3219% | 2,842 |
| Core capital (leverage) ratio | 10.8941% | 2,481 |
| Tier 1 risk-based capital ratio | 13.6780% | 4,592 |
| Total risk-based capital ratio | 14.9394% | 4,550 |
| Memoranda: | ||
| Average total assets | $237,064,000 | 2,675 |
| Average earning assets | $220,748,750 | 2,618 |
| Average equity | $26,028,500 | 2,479 |
| Average total loans | $173,938,250 | 2,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 1,040 |
| Cost of funding earning assets | 0.9901% | 4,013 |
| Net interest margin | 4.6287% | 856 |
| Noninterest income to average assets | 0.4143% | 4,558 |
| Noninterest expense to average assets | 2.8868% | 4,076 |
| Loan and lease loss provision to assets | 0.7626% | 1,218 |
| Net operating income to assets | 0.7724% | 3,190 |
| Return on assets (ROA) | 0.8194% | 3,103 |
| Pretax return on assets | 1.1439% | 2,686 |
| Return on Equity (ROE) | 7.5424% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.1618% | 2,324 |
| Net charge-offs to loans | 0.3629% | 3,102 |
| Credit loss provision to net charge-offs | 284.8101% | 1,073 |
| Earnings coverage of net charge-offs (x) | 6.8766% | 2,318 |
| Efficiency ratio | 61.0573% | 5,723 |
| Assets per employee ($millions) | 4.2592% | 3,236 |
| Cash dividends to net income (ytd only)* | 18.3040% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9218% | 960 |
| Loan loss allowance to noncurrent loans | 65.9764% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 4.0383% | 1,581 |
| Noncurrent loans to loans | 4.4285% | 1,509 |
| Net loans and leases to total assets | 71.0161% | 2,003 |
| Net loans and leases to deposits | 80.5543% | 2,697 |
| Net loans and leases to core deposits | 87.0015% | 2,759 |
| Total domestic deposits to total assets | 88.1592% | 2,037 |
| Equity capital to assets | 10.9830% | 2,978 |
| Core capital (leverage) ratio | 10.7602% | 2,462 |
| Tier 1 risk-based capital ratio | 13.3589% | 4,643 |
| Total risk-based capital ratio | 14.6268% | 4,611 |
| Memoranda: | ||
| Average total assets | $236,037,000 | 2,692 |
| Average earning assets | $219,976,000 | 2,647 |
| Average equity | $25,641,670 | 2,496 |
| Average total loans | $174,138,330 | 2,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 1,079 |
| Cost of funding earning assets | 1.0252% | 4,028 |
| Net interest margin | 4.5625% | 933 |
| Noninterest income to average assets | 0.2470% | 5,920 |
| Noninterest expense to average assets | 2.8757% | 4,168 |
| Loan and lease loss provision to assets | 0.6814% | 1,245 |
| Net operating income to assets | 0.6982% | 3,521 |
| Return on assets (ROA) | 0.7206% | 3,494 |
| Pretax return on assets | 0.9813% | 3,201 |
| Return on Equity (ROE) | 6.6707% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.6707% | 2,292 |
| Net charge-offs to loans | -0.0368% | 6,781 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7944% | 5,394 |
| Assets per employee ($millions) | 4.0762% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8671% | 1,043 |
| Loan loss allowance to noncurrent loans | 69.0960% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 3.8237% | 1,755 |
| Noncurrent loans to loans | 4.1494% | 1,732 |
| Net loans and leases to total assets | 70.6466% | 1,995 |
| Net loans and leases to deposits | 79.9772% | 2,727 |
| Net loans and leases to core deposits | 86.4700% | 2,809 |
| Total domestic deposits to total assets | 88.3334% | 2,177 |
| Equity capital to assets | 10.8439% | 2,834 |
| Core capital (leverage) ratio | 10.7465% | 2,402 |
| Tier 1 risk-based capital ratio | 13.4825% | 4,428 |
| Total risk-based capital ratio | 14.7496% | 4,394 |
| Memoranda: | ||
| Average total assets | $234,798,000 | 2,728 |
| Average earning assets | $219,265,000 | 2,673 |
| Average equity | $25,364,500 | 2,509 |
| Average total loans | $173,966,500 | 2,374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0777% | 729 |
| Cost of funding earning assets | 1.3248% | 3,720 |
| Net interest margin | 4.7530% | 728 |
| Noninterest income to average assets | 0.8610% | 2,009 |
| Noninterest expense to average assets | 3.0894% | 3,506 |
| Loan and lease loss provision to assets | 1.2149% | 1,284 |
| Net operating income to assets | 0.6816% | 3,297 |
| Return on assets (ROA) | 0.6836% | 3,419 |
| Pretax return on assets | 0.9225% | 3,186 |
| Return on Equity (ROE) | 6.3161% | 3,442 |
| Retained earnings to average equity (ytd only) | 4.8573% | 2,506 |
| Net charge-offs to loans | 1.2140% | 1,845 |
| Credit loss provision to net charge-offs | 131.3174% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.3075% | 3,994 |
| Efficiency ratio | 59.1366% | 6,171 |
| Assets per employee ($millions) | 4.0908% | 3,596 |
| Cash dividends to net income (ytd only)* | 23.0964% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5650% | 1,326 |
| Loan loss allowance to noncurrent loans | 64.1831% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 3.9138% | 1,742 |
| Noncurrent loans to loans | 3.9965% | 1,818 |
| Net loans and leases to total assets | 73.5351% | 1,761 |
| Net loans and leases to deposits | 83.5202% | 2,527 |
| Net loans and leases to core deposits | 89.8175% | 2,796 |
| Total domestic deposits to total assets | 88.0447% | 2,221 |
| Equity capital to assets | 10.7609% | 2,894 |
| Core capital (leverage) ratio | 10.5245% | 2,533 |
| Tier 1 risk-based capital ratio | 12.7941% | 4,777 |
| Total risk-based capital ratio | 14.0575% | 4,734 |
| Memoranda: | ||
| Average total assets | $230,559,000 | 2,748 |
| Average earning assets | $211,657,800 | 2,732 |
| Average equity | $24,952,000 | 2,562 |
| Average total loans | $175,703,600 | 2,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1552% | 673 |
| Cost of funding earning assets | 1.3758% | 3,734 |
| Net interest margin | 4.7793% | 703 |
| Noninterest income to average assets | 0.7928% | 2,272 |
| Noninterest expense to average assets | 3.0383% | 3,617 |
| Loan and lease loss provision to assets | 0.9523% | 1,573 |
| Net operating income to assets | 0.8458% | 2,822 |
| Return on assets (ROA) | 0.8479% | 2,950 |
| Pretax return on assets | 1.1767% | 2,577 |
| Return on Equity (ROE) | 7.8231% | 2,978 |
| Retained earnings to average equity (ytd only) | 6.8760% | 1,915 |
| Net charge-offs to loans | 0.9284% | 2,140 |
| Credit loss provision to net charge-offs | 134.2600% | 3,003 |
| Earnings coverage of net charge-offs (x) | 2.9975% | 3,629 |
| Efficiency ratio | 58.8321% | 6,138 |
| Assets per employee ($millions) | 3.9284% | 3,980 |
| Cash dividends to net income (ytd only)* | 12.1065% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 1,360 |
| Loan loss allowance to noncurrent loans | 68.2946% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 3.9862% | 1,755 |
| Noncurrent loans to loans | 3.6295% | 2,152 |
| Net loans and leases to total assets | 72.3971% | 2,168 |
| Net loans and leases to deposits | 82.1906% | 3,066 |
| Net loans and leases to core deposits | 88.8144% | 3,262 |
| Total domestic deposits to total assets | 88.0845% | 1,913 |
| Equity capital to assets | 11.1419% | 2,824 |
| Core capital (leverage) ratio | 10.7682% | 2,449 |
| Tier 1 risk-based capital ratio | 13.0859% | 4,512 |
| Total risk-based capital ratio | 14.3484% | 4,472 |
| Memoranda: | ||
| Average total assets | $229,904,500 | 2,786 |
| Average earning assets | $210,289,500 | 2,788 |
| Average equity | $24,917,000 | 2,600 |
| Average total loans | $175,634,250 | 2,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 576 |
| Cost of funding earning assets | 1.4245% | 3,718 |
| Net interest margin | 4.8172% | 641 |
| Noninterest income to average assets | 0.8636% | 1,821 |
| Noninterest expense to average assets | 3.0268% | 3,609 |
| Loan and lease loss provision to assets | 0.9508% | 1,544 |
| Net operating income to assets | 0.9037% | 2,543 |
| Return on assets (ROA) | 0.9081% | 2,638 |
| Pretax return on assets | 1.2753% | 2,169 |
| Return on Equity (ROE) | 8.4584% | 2,685 |
| Retained earnings to average equity (ytd only) | 7.0202% | 1,821 |
| Net charge-offs to loans | 0.5667% | 2,840 |
| Credit loss provision to net charge-offs | 217.5649% | 1,793 |
| Earnings coverage of net charge-offs (x) | 5.0798% | 2,753 |
| Efficiency ratio | 57.6891% | 6,419 |
| Assets per employee ($millions) | 3.8968% | 3,985 |
| Cash dividends to net income (ytd only)* | 17.0029% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5337% | 1,262 |
| Loan loss allowance to noncurrent loans | 138.8106% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 2.6319% | 2,746 |
| Noncurrent loans to loans | 1.8253% | 3,969 |
| Net loans and leases to total assets | 74.2048% | 1,865 |
| Net loans and leases to deposits | 84.5186% | 2,786 |
| Net loans and leases to core deposits | 91.4311% | 3,071 |
| Total domestic deposits to total assets | 87.7970% | 2,108 |
| Equity capital to assets | 10.9103% | 2,959 |
| Core capital (leverage) ratio | 10.6023% | 2,541 |
| Tier 1 risk-based capital ratio | 12.7089% | 4,684 |
| Total risk-based capital ratio | 13.9718% | 4,643 |
| Memoranda: | ||
| Average total assets | $229,281,670 | 2,823 |
| Average earning assets | $208,629,000 | 2,827 |
| Average equity | $24,614,670 | 2,634 |
| Average total loans | $176,825,000 | 2,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2572% | 570 |
| Cost of funding earning assets | 1.4789% | 3,697 |
| Net interest margin | 4.7783% | 679 |
| Noninterest income to average assets | 0.5590% | 3,577 |
| Noninterest expense to average assets | 3.0939% | 3,288 |
| Loan and lease loss provision to assets | 0.8490% | 1,497 |
| Net operating income to assets | 0.7137% | 3,372 |
| Return on assets (ROA) | 0.7215% | 3,461 |
| Pretax return on assets | 0.9783% | 3,173 |
| Return on Equity (ROE) | 6.7760% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.7760% | 2,232 |
| Net charge-offs to loans | 0.1260% | 4,213 |
| Credit loss provision to net charge-offs | 867.8571% | 534 |
| Earnings coverage of net charge-offs (x) | 18.5714% | 1,231 |
| Efficiency ratio | 63.0025% | 5,663 |
| Assets per employee ($millions) | 3.9561% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4424% | 1,369 |
| Loan loss allowance to noncurrent loans | 85.8980% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 3.2695% | 2,191 |
| Noncurrent loans to loans | 2.8434% | 2,828 |
| Net loans and leases to total assets | 74.4356% | 1,881 |
| Net loans and leases to deposits | 85.8095% | 2,625 |
| Net loans and leases to core deposits | 92.8260% | 3,000 |
| Total domestic deposits to total assets | 86.7452% | 2,767 |
| Equity capital to assets | 10.7280% | 3,027 |
| Core capital (leverage) ratio | 10.4801% | 2,637 |
| Tier 1 risk-based capital ratio | 12.5042% | 4,746 |
| Total risk-based capital ratio | 13.7666% | 4,686 |
| Memoranda: | ||
| Average total assets | $228,967,000 | 2,884 |
| Average earning assets | $208,526,500 | 2,891 |
| Average equity | $24,380,000 | 2,683 |
| Average total loans | $177,717,500 | 2,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4540% | 732 |
| Cost of funding earning assets | 1.9844% | 3,033 |
| Net interest margin | 4.4696% | 1,240 |
| Noninterest income to average assets | 0.4130% | 5,100 |
| Noninterest expense to average assets | 2.9196% | 4,463 |
| Loan and lease loss provision to assets | 1.0516% | 2,183 |
| Net operating income to assets | 0.4426% | 3,961 |
| Return on assets (ROA) | 0.4915% | 3,865 |
| Pretax return on assets | 0.6494% | 3,741 |
| Return on Equity (ROE) | 4.7953% | 3,757 |
| Retained earnings to average equity (ytd only) | 3.8859% | 2,493 |
| Net charge-offs to loans | 0.6341% | 3,302 |
| Credit loss provision to net charge-offs | 206.5254% | 1,858 |
| Earnings coverage of net charge-offs (x) | 3.2144% | 3,445 |
| Efficiency ratio | 64.0780% | 5,764 |
| Assets per employee ($millions) | 3.9393% | 3,935 |
| Cash dividends to net income (ytd only)* | 18.9640% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 1,768 |
| Loan loss allowance to noncurrent loans | 63.0388% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.7264% | 1,789 |
| Noncurrent loans to loans | 3.3826% | 2,260 |
| Net loans and leases to total assets | 77.2573% | 1,530 |
| Net loans and leases to deposits | 89.1297% | 2,369 |
| Net loans and leases to core deposits | 119.7019% | 1,971 |
| Total domestic deposits to total assets | 86.6797% | 2,663 |
| Equity capital to assets | 10.5673% | 3,111 |
| Core capital (leverage) ratio | 10.2988% | 2,785 |
| Tier 1 risk-based capital ratio | 11.8502% | 5,073 |
| Total risk-based capital ratio | 13.1090% | 5,032 |
| Memoranda: | ||
| Average total assets | $231,746,600 | 2,802 |
| Average earning assets | $214,829,200 | 2,766 |
| Average equity | $23,752,400 | 2,760 |
| Average total loans | $186,079,400 | 2,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5365% | 695 |
| Cost of funding earning assets | 2.0850% | 2,958 |
| Net interest margin | 4.4515% | 1,311 |
| Noninterest income to average assets | 0.5756% | 3,883 |
| Noninterest expense to average assets | 2.8797% | 4,540 |
| Loan and lease loss provision to assets | 1.1277% | 1,734 |
| Net operating income to assets | 0.5195% | 3,901 |
| Return on assets (ROA) | 0.5670% | 3,808 |
| Pretax return on assets | 0.7682% | 3,631 |
| Return on Equity (ROE) | 5.5745% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.2026% | 2,368 |
| Net charge-offs to loans | 0.2311% | 4,612 |
| Credit loss provision to net charge-offs | 605.2308% | 630 |
| Earnings coverage of net charge-offs (x) | 9.8308% | 2,051 |
| Efficiency ratio | 61.1219% | 6,250 |
| Assets per employee ($millions) | 3.8285% | 4,129 |
| Cash dividends to net income (ytd only)* | 6.6736% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 1,277 |
| Loan loss allowance to noncurrent loans | 59.7177% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 4.1402% | 1,520 |
| Noncurrent loans to loans | 3.8752% | 1,909 |
| Net loans and leases to total assets | 79.0675% | 1,378 |
| Net loans and leases to deposits | 89.8413% | 2,613 |
| Net loans and leases to core deposits | 120.7222% | 2,183 |
| Total domestic deposits to total assets | 88.0080% | 1,648 |
| Equity capital to assets | 10.7503% | 3,245 |
| Core capital (leverage) ratio | 10.3633% | 2,911 |
| Tier 1 risk-based capital ratio | 11.8172% | 5,145 |
| Total risk-based capital ratio | 13.0780% | 5,070 |
| Memoranda: | ||
| Average total assets | $232,563,750 | 2,810 |
| Average earning assets | $216,073,500 | 2,771 |
| Average equity | $23,654,500 | 2,794 |
| Average total loans | $187,508,750 | 2,456 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5453% | 738 |
| Cost of funding earning assets | 2.1830% | 2,869 |
| Net interest margin | 4.3623% | 1,487 |
| Noninterest income to average assets | 0.5469% | 4,057 |
| Noninterest expense to average assets | 2.8545% | 4,714 |
| Loan and lease loss provision to assets | 0.8442% | 1,987 |
| Net operating income to assets | 0.6458% | 3,482 |
| Return on assets (ROA) | 0.7130% | 3,303 |
| Pretax return on assets | 1.0043% | 2,997 |
| Return on Equity (ROE) | 7.1401% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.5771% | 1,755 |
| Net charge-offs to loans | 0.2719% | 3,834 |
| Credit loss provision to net charge-offs | 385.6031% | 1,202 |
| Earnings coverage of net charge-offs (x) | 8.0117% | 2,334 |
| Efficiency ratio | 61.9409% | 6,255 |
| Assets per employee ($millions) | 3.8913% | 3,894 |
| Cash dividends to net income (ytd only)* | 7.8853% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 2,116 |
| Loan loss allowance to noncurrent loans | 129.5906% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 2.1822% | 2,958 |
| Noncurrent loans to loans | 1.3699% | 4,472 |
| Net loans and leases to total assets | 81.4882% | 1,050 |
| Net loans and leases to deposits | 93.8514% | 2,111 |
| Net loans and leases to core deposits | 127.7252% | 1,728 |
| Total domestic deposits to total assets | 86.8269% | 2,345 |
| Equity capital to assets | 10.5324% | 3,361 |
| Core capital (leverage) ratio | 10.0805% | 3,208 |
| Tier 1 risk-based capital ratio | 11.5051% | 5,376 |
| Total risk-based capital ratio | 12.7598% | 5,294 |
| Memoranda: | ||
| Average total assets | $234,790,670 | 2,805 |
| Average earning assets | $218,598,000 | 2,755 |
| Average equity | $23,445,000 | 2,818 |
| Average total loans | $189,068,000 | 2,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3964% | 1,071 |
| Cost of funding earning assets | 2.2176% | 3,074 |
| Net interest margin | 4.1788% | 1,983 |
| Noninterest income to average assets | 0.5231% | 4,115 |
| Noninterest expense to average assets | 2.7058% | 4,978 |
| Loan and lease loss provision to assets | 0.7855% | 1,635 |
| Net operating income to assets | 0.6468% | 3,809 |
| Return on assets (ROA) | 0.6468% | 3,992 |
| Pretax return on assets | 0.9276% | 3,612 |
| Return on Equity (ROE) | 6.6489% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.6489% | 2,352 |
| Net charge-offs to loans | 0.1158% | 4,042 |
| Credit loss provision to net charge-offs | 854.5455% | 716 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,456 |
| Efficiency ratio | 61.2330% | 6,211 |
| Assets per employee ($millions) | 4.1438% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 2,658 |
| Loan loss allowance to noncurrent loans | 148.9341% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 3,171 |
| Noncurrent loans to loans | 1.0528% | 4,881 |
| Net loans and leases to total assets | 77.1336% | 2,013 |
| Net loans and leases to deposits | 90.9196% | 2,787 |
| Net loans and leases to core deposits | 121.9935% | 2,257 |
| Total domestic deposits to total assets | 84.8371% | 3,280 |
| Equity capital to assets | 9.6681% | 4,430 |
| Core capital (leverage) ratio | 9.8734% | 3,554 |
| Tier 1 risk-based capital ratio | 10.9583% | 5,937 |
| Total risk-based capital ratio | 12.2106% | 5,850 |
| Memoranda: | ||
| Average total assets | $239,339,000 | 2,775 |
| Average earning assets | $223,126,000 | 2,730 |
| Average equity | $23,282,000 | 2,847 |
| Average total loans | $189,983,000 | 2,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5833% | 349 |
| Cost of funding earning assets | 2.8409% | 2,520 |
| Net interest margin | 4.7424% | 883 |
| Noninterest income to average assets | 0.5472% | 4,252 |
| Noninterest expense to average assets | 2.7357% | 5,106 |
| Loan and lease loss provision to assets | 0.5005% | 2,810 |
| Net operating income to assets | 1.1589% | 1,915 |
| Return on assets (ROA) | 1.1604% | 1,837 |
| Pretax return on assets | 1.7477% | 1,056 |
| Return on Equity (ROE) | 11.9226% | 1,620 |
| Retained earnings to average equity (ytd only) | 9.2920% | 556 |
| Net charge-offs to loans | 0.2060% | 4,149 |
| Credit loss provision to net charge-offs | 296.5699% | 1,526 |
| Earnings coverage of net charge-offs (x) | 13.3087% | 2,142 |
| Efficiency ratio | 54.9160% | 7,161 |
| Assets per employee ($millions) | 4.0378% | 3,436 |
| Cash dividends to net income (ytd only)* | 22.0645% | 4,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 3,339 |
| Loan loss allowance to noncurrent loans | 116.2029% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 2,697 |
| Noncurrent loans to loans | 1.1827% | 4,151 |
| Net loans and leases to total assets | 79.3333% | 1,813 |
| Net loans and leases to deposits | 93.3225% | 2,896 |
| Net loans and leases to core deposits | 125.5986% | 2,195 |
| Total domestic deposits to total assets | 85.0098% | 2,840 |
| Equity capital to assets | 9.7898% | 4,305 |
| Core capital (leverage) ratio | 9.9245% | 3,518 |
| Tier 1 risk-based capital ratio | 10.9325% | 5,787 |
| Total risk-based capital ratio | 12.1824% | 5,702 |
| Memoranda: | ||
| Average total assets | $224,585,600 | 2,830 |
| Average earning assets | $210,000,800 | 2,771 |
| Average equity | $21,857,600 | 2,993 |
| Average total loans | $184,017,000 | 2,460 |