Home > Liberty Bank > Performance and Condition Ratios
Liberty Bank, Performance and Condition Ratios
| 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 | 1.7008% | 6,353 |
| Cost of funding earning assets | 0.0962% | 6,220 |
| Net interest margin | 1.6046% | 6,332 |
| Noninterest income to average assets | 0.3587% | 4,335 |
| Noninterest expense to average assets | 0.8726% | 6,381 |
| Loan and lease loss provision to assets | 0.1030% | 1,978 |
| Net operating income to assets | 0.5308% | 4,542 |
| Return on assets (ROA) | 0.5308% | 4,656 |
| Pretax return on assets | 0.7826% | 4,304 |
| Return on Equity (ROE) | 3.4520% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.4520% | 3,920 |
| Net charge-offs to loans | 0.0111% | 2,969 |
| Credit loss provision to net charge-offs | 1,300.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 111.7727% | 450 |
| Efficiency ratio | 47.1528% | 6,060 |
| Assets per employee ($millions) | 4.2594% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0334% | 6,357 |
| Loan loss allowance to noncurrent loans | 1.5500% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 1,652 |
| Noncurrent loans to loans | 2.1559% | 1,186 |
| Net loans and leases to total assets | 69.1847% | 2,254 |
| Net loans and leases to deposits | 90.1768% | 1,370 |
| Net loans and leases to core deposits | 90.9592% | 2,040 |
| Total domestic deposits to total assets | 76.7212% | 5,661 |
| Equity capital to assets | 18.4380% | 298 |
| Core capital (leverage) ratio | 10.4310% | 3,063 |
| Tier 1 risk-based capital ratio | 15.9043% | 2,968 |
| Total risk-based capital ratio | 15.9426% | 3,533 |
| Memoranda: | ||
| Average total assets | $1,110,700,000 | 636 |
| Average earning assets | $968,715,000 | 657 |
| Average equity | $170,800,500 | 476 |
| Average total loans | $795,227,000 | 581 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 988 |
| Cost of funding earning assets | 0.3196% | 4,585 |
| Net interest margin | 4.5432% | 689 |
| Noninterest income to average assets | 1.2498% | 780 |
| Noninterest expense to average assets | 2.8220% | 3,409 |
| Loan and lease loss provision to assets | 0.0641% | 3,228 |
| Net operating income to assets | 1.7350% | 537 |
| Return on assets (ROA) | 1.7340% | 550 |
| Pretax return on assets | 2.5166% | 180 |
| Return on Equity (ROE) | 14.9378% | 788 |
| Retained earnings to average equity (ytd only) | 10.9431% | 385 |
| Net charge-offs to loans | 0.2438% | 1,748 |
| Credit loss provision to net charge-offs | 34.8624% | 3,773 |
| Earnings coverage of net charge-offs (x) | 14.0489% | 2,201 |
| Efficiency ratio | 51.8704% | 5,992 |
| Assets per employee ($millions) | 3.9126% | 4,133 |
| Cash dividends to net income (ytd only)* | 26.7423% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 3,429 |
| Loan loss allowance to noncurrent loans | 244.6248% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 4,073 |
| Noncurrent loans to loans | 0.5311% | 4,070 |
| Net loans and leases to total assets | 73.1594% | 1,728 |
| Net loans and leases to deposits | 88.1087% | 1,724 |
| Net loans and leases to core deposits | 88.8071% | 2,406 |
| Total domestic deposits to total assets | 83.0332% | 4,070 |
| Equity capital to assets | 12.1428% | 1,912 |
| Core capital (leverage) ratio | 11.9965% | 1,616 |
| Tier 1 risk-based capital ratio | 18.2113% | 2,077 |
| Total risk-based capital ratio | 19.4686% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,067,486,600 | 630 |
| Average earning assets | $976,128,400 | 625 |
| Average equity | $123,913,800 | 593 |
| Average total loans | $804,758,200 | 549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 950 |
| Cost of funding earning assets | 0.3293% | 4,574 |
| Net interest margin | 4.5595% | 673 |
| Noninterest income to average assets | 1.2546% | 769 |
| Noninterest expense to average assets | 2.8552% | 3,272 |
| Loan and lease loss provision to assets | 0.0817% | 2,718 |
| Net operating income to assets | 1.6988% | 614 |
| Return on assets (ROA) | 1.6975% | 646 |
| Pretax return on assets | 2.4837% | 217 |
| Return on Equity (ROE) | 14.7961% | 863 |
| Retained earnings to average equity (ytd only) | 10.5923% | 572 |
| Net charge-offs to loans | 0.2684% | 1,461 |
| Credit loss provision to net charge-offs | 40.1973% | 3,285 |
| Earnings coverage of net charge-offs (x) | 12.6363% | 2,298 |
| Efficiency ratio | 52.3043% | 5,970 |
| Assets per employee ($millions) | 3.7933% | 4,305 |
| Cash dividends to net income (ytd only)* | 28.4112% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,509 |
| Loan loss allowance to noncurrent loans | 221.9527% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 4,078 |
| Noncurrent loans to loans | 0.5983% | 4,136 |
| Net loans and leases to total assets | 74.6338% | 1,422 |
| Net loans and leases to deposits | 89.8265% | 1,442 |
| Net loans and leases to core deposits | 90.6318% | 2,163 |
| Total domestic deposits to total assets | 83.0866% | 4,110 |
| Equity capital to assets | 11.9381% | 2,113 |
| Core capital (leverage) ratio | 11.6951% | 1,913 |
| Tier 1 risk-based capital ratio | 17.5847% | 2,361 |
| Total risk-based capital ratio | 18.8437% | 2,318 |
| Memoranda: | ||
| Average total assets | $1,064,389,000 | 628 |
| Average earning assets | $972,977,000 | 620 |
| Average equity | $122,110,500 | 595 |
| Average total loans | $805,840,000 | 544 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 905 |
| Cost of funding earning assets | 0.3342% | 4,593 |
| Net interest margin | 4.5705% | 614 |
| Noninterest income to average assets | 1.2242% | 782 |
| Noninterest expense to average assets | 2.9062% | 3,141 |
| Loan and lease loss provision to assets | 0.0380% | 3,537 |
| Net operating income to assets | 1.6861% | 588 |
| Return on assets (ROA) | 1.6835% | 631 |
| Pretax return on assets | 2.4514% | 228 |
| Return on Equity (ROE) | 14.8758% | 809 |
| Retained earnings to average equity (ytd only) | 9.9753% | 720 |
| Net charge-offs to loans | 0.1753% | 1,988 |
| Credit loss provision to net charge-offs | 28.6119% | 3,077 |
| Earnings coverage of net charge-offs (x) | 18.7847% | 1,660 |
| Efficiency ratio | 53.4731% | 5,955 |
| Assets per employee ($millions) | 3.6240% | 4,612 |
| Cash dividends to net income (ytd only)* | 32.9425% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,395 |
| Loan loss allowance to noncurrent loans | 164.9638% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 3,545 |
| Noncurrent loans to loans | 0.8440% | 3,598 |
| Net loans and leases to total assets | 74.7771% | 1,337 |
| Net loans and leases to deposits | 89.7668% | 1,394 |
| Net loans and leases to core deposits | 90.6470% | 2,062 |
| Total domestic deposits to total assets | 83.3014% | 4,190 |
| Equity capital to assets | 11.6812% | 2,255 |
| Core capital (leverage) ratio | 11.4867% | 2,011 |
| Tier 1 risk-based capital ratio | 17.1681% | 2,552 |
| Total risk-based capital ratio | 18.4263% | 2,510 |
| Memoranda: | ||
| Average total assets | $1,063,877,000 | 629 |
| Average earning assets | $971,845,670 | 619 |
| Average equity | $120,397,000 | 598 |
| Average total loans | $805,704,330 | 543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 925 |
| Cost of funding earning assets | 0.3372% | 4,671 |
| Net interest margin | 4.5256% | 624 |
| Noninterest income to average assets | 1.2093% | 757 |
| Noninterest expense to average assets | 2.9943% | 2,873 |
| Loan and lease loss provision to assets | 0.0007% | 3,815 |
| Net operating income to assets | 1.6669% | 599 |
| Return on assets (ROA) | 1.6616% | 633 |
| Pretax return on assets | 2.3489% | 285 |
| Return on Equity (ROE) | 14.9205% | 785 |
| Retained earnings to average equity (ytd only) | 12.3950% | 558 |
| Net charge-offs to loans | 0.1878% | 1,602 |
| Credit loss provision to net charge-offs | 0.5277% | 2,684 |
| Earnings coverage of net charge-offs (x) | 16.5858% | 1,502 |
| Efficiency ratio | 55.6023% | 5,871 |
| Assets per employee ($millions) | 3.5740% | 4,782 |
| Cash dividends to net income (ytd only)* | 16.9262% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 3,640 |
| Loan loss allowance to noncurrent loans | 169.5424% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 3,756 |
| Noncurrent loans to loans | 0.8220% | 3,829 |
| Net loans and leases to total assets | 75.3233% | 1,086 |
| Net loans and leases to deposits | 90.2841% | 1,114 |
| Net loans and leases to core deposits | 91.2011% | 1,804 |
| Total domestic deposits to total assets | 83.4292% | 4,472 |
| Equity capital to assets | 11.3874% | 2,345 |
| Core capital (leverage) ratio | 11.1909% | 2,231 |
| Tier 1 risk-based capital ratio | 16.7191% | 2,804 |
| Total risk-based capital ratio | 17.9753% | 2,762 |
| Memoranda: | ||
| Average total assets | $1,066,710,000 | 631 |
| Average earning assets | $976,303,000 | 622 |
| Average equity | $118,789,500 | 608 |
| Average total loans | $807,320,500 | 538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 807 |
| Cost of funding earning assets | 0.4318% | 4,300 |
| Net interest margin | 4.6338% | 569 |
| Noninterest income to average assets | 1.2074% | 966 |
| Noninterest expense to average assets | 3.0110% | 3,022 |
| Loan and lease loss provision to assets | 0.2057% | 1,800 |
| Net operating income to assets | 1.4711% | 877 |
| Return on assets (ROA) | 1.4710% | 925 |
| Pretax return on assets | 2.2440% | 291 |
| Return on Equity (ROE) | 14.0598% | 940 |
| Retained earnings to average equity (ytd only) | 10.3872% | 506 |
| Net charge-offs to loans | 0.2943% | 2,216 |
| Credit loss provision to net charge-offs | 90.2549% | 2,748 |
| Earnings coverage of net charge-offs (x) | 10.7484% | 2,323 |
| Efficiency ratio | 54.7926% | 6,073 |
| Assets per employee ($millions) | 3.5731% | 4,752 |
| Cash dividends to net income (ytd only)* | 26.1213% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,408 |
| Loan loss allowance to noncurrent loans | 192.8489% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 4,101 |
| Noncurrent loans to loans | 0.7533% | 4,083 |
| Net loans and leases to total assets | 73.8961% | 1,365 |
| Net loans and leases to deposits | 87.7020% | 1,500 |
| Net loans and leases to core deposits | 88.5749% | 2,183 |
| Total domestic deposits to total assets | 84.2582% | 4,072 |
| Equity capital to assets | 10.8872% | 2,718 |
| Core capital (leverage) ratio | 10.6924% | 2,683 |
| Tier 1 risk-based capital ratio | 16.2672% | 2,981 |
| Total risk-based capital ratio | 17.5247% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,067,001,400 | 618 |
| Average earning assets | $979,418,800 | 612 |
| Average equity | $111,637,200 | 629 |
| Average total loans | $826,430,400 | 500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 757 |
| Cost of funding earning assets | 0.4509% | 4,263 |
| Net interest margin | 4.6621% | 549 |
| Noninterest income to average assets | 1.3059% | 873 |
| Noninterest expense to average assets | 3.0984% | 2,654 |
| Loan and lease loss provision to assets | 0.1934% | 1,884 |
| Net operating income to assets | 1.5104% | 877 |
| Return on assets (ROA) | 1.5104% | 924 |
| Pretax return on assets | 2.2959% | 321 |
| Return on Equity (ROE) | 14.5844% | 873 |
| Retained earnings to average equity (ytd only) | 10.8396% | 611 |
| Net charge-offs to loans | 0.3387% | 1,855 |
| Credit loss provision to net charge-offs | 73.1315% | 2,999 |
| Earnings coverage of net charge-offs (x) | 9.4129% | 2,485 |
| Efficiency ratio | 55.1113% | 6,012 |
| Assets per employee ($millions) | 3.4131% | 5,035 |
| Cash dividends to net income (ytd only)* | 25.6771% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,829 |
| Loan loss allowance to noncurrent loans | 166.4124% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 3,830 |
| Noncurrent loans to loans | 0.8504% | 4,127 |
| Net loans and leases to total assets | 74.2190% | 1,259 |
| Net loans and leases to deposits | 88.0326% | 1,360 |
| Net loans and leases to core deposits | 88.8901% | 2,085 |
| Total domestic deposits to total assets | 84.3086% | 4,061 |
| Equity capital to assets | 10.7357% | 3,027 |
| Core capital (leverage) ratio | 10.4944% | 3,006 |
| Tier 1 risk-based capital ratio | 15.9356% | 3,229 |
| Total risk-based capital ratio | 17.1934% | 3,177 |
| Memoranda: | ||
| Average total assets | $1,065,768,500 | 621 |
| Average earning assets | $978,855,750 | 616 |
| Average equity | $110,370,750 | 646 |
| Average total loans | $832,089,500 | 499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 722 |
| Cost of funding earning assets | 0.4728% | 4,175 |
| Net interest margin | 4.6599% | 546 |
| Noninterest income to average assets | 1.2765% | 944 |
| Noninterest expense to average assets | 3.1572% | 2,489 |
| Loan and lease loss provision to assets | 0.2002% | 1,897 |
| Net operating income to assets | 1.4513% | 982 |
| Return on assets (ROA) | 1.4511% | 1,058 |
| Pretax return on assets | 2.2049% | 410 |
| Return on Equity (ROE) | 14.1857% | 969 |
| Retained earnings to average equity (ytd only) | 10.3344% | 774 |
| Net charge-offs to loans | 0.2292% | 2,353 |
| Credit loss provision to net charge-offs | 110.5699% | 2,003 |
| Earnings coverage of net charge-offs (x) | 13.2860% | 1,910 |
| Efficiency ratio | 56.4182% | 5,908 |
| Assets per employee ($millions) | 3.3544% | 5,161 |
| Cash dividends to net income (ytd only)* | 27.1493% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,817 |
| Loan loss allowance to noncurrent loans | 174.6512% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 4,068 |
| Noncurrent loans to loans | 0.8293% | 4,258 |
| Net loans and leases to total assets | 77.1343% | 849 |
| Net loans and leases to deposits | 91.2293% | 1,031 |
| Net loans and leases to core deposits | 92.5246% | 1,654 |
| Total domestic deposits to total assets | 84.5499% | 4,107 |
| Equity capital to assets | 10.4522% | 3,369 |
| Core capital (leverage) ratio | 10.2332% | 3,180 |
| Tier 1 risk-based capital ratio | 15.1968% | 3,647 |
| Total risk-based capital ratio | 16.4549% | 3,613 |
| Memoranda: | ||
| Average total assets | $1,066,061,330 | 621 |
| Average earning assets | $980,538,330 | 615 |
| Average equity | $109,053,330 | 656 |
| Average total loans | $842,220,330 | 493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1985% | 605 |
| Cost of funding earning assets | 0.5019% | 4,065 |
| Net interest margin | 4.6966% | 474 |
| Noninterest income to average assets | 1.3365% | 861 |
| Noninterest expense to average assets | 3.1874% | 2,389 |
| Loan and lease loss provision to assets | 0.2432% | 1,483 |
| Net operating income to assets | 1.4569% | 943 |
| Return on assets (ROA) | 1.4569% | 1,020 |
| Pretax return on assets | 2.2228% | 396 |
| Return on Equity (ROE) | 14.3977% | 881 |
| Retained earnings to average equity (ytd only) | 14.3977% | 408 |
| Net charge-offs to loans | 0.3432% | 1,617 |
| Credit loss provision to net charge-offs | 89.2857% | 2,038 |
| Earnings coverage of net charge-offs (x) | 9.0536% | 1,888 |
| Efficiency ratio | 56.0490% | 6,059 |
| Assets per employee ($millions) | 3.3998% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 4,146 |
| Loan loss allowance to noncurrent loans | 190.6572% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 4,257 |
| Noncurrent loans to loans | 0.7436% | 4,642 |
| Net loans and leases to total assets | 76.6057% | 765 |
| Net loans and leases to deposits | 90.5177% | 915 |
| Net loans and leases to core deposits | 92.7014% | 1,439 |
| Total domestic deposits to total assets | 84.6306% | 4,213 |
| Equity capital to assets | 10.2514% | 3,854 |
| Core capital (leverage) ratio | 10.0508% | 3,316 |
| Tier 1 risk-based capital ratio | 14.8302% | 3,951 |
| Total risk-based capital ratio | 16.0860% | 3,912 |
| Memoranda: | ||
| Average total assets | $1,069,097,000 | 623 |
| Average earning assets | $982,669,500 | 617 |
| Average equity | $108,184,000 | 672 |
| Average total loans | $848,514,500 | 492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 785 |
| Cost of funding earning assets | 0.6620% | 3,817 |
| Net interest margin | 4.7198% | 630 |
| Noninterest income to average assets | 1.1469% | 1,188 |
| Noninterest expense to average assets | 2.7024% | 4,388 |
| Loan and lease loss provision to assets | 0.7300% | 695 |
| Net operating income to assets | 1.3677% | 1,159 |
| Return on assets (ROA) | 1.3907% | 1,227 |
| Pretax return on assets | 2.1041% | 488 |
| Return on Equity (ROE) | 12.9730% | 1,228 |
| Retained earnings to average equity (ytd only) | -11.4446% | 6,682 |
| Net charge-offs to loans | 0.8939% | 1,277 |
| Credit loss provision to net charge-offs | 99.4876% | 3,117 |
| Earnings coverage of net charge-offs (x) | 3.8149% | 3,592 |
| Efficiency ratio | 48.8698% | 6,658 |
| Assets per employee ($millions) | 3.3039% | 5,413 |
| Cash dividends to net income (ytd only)* | 188.2182% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,256 |
| Loan loss allowance to noncurrent loans | 170.8345% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 4,379 |
| Noncurrent loans to loans | 0.8089% | 4,569 |
| Net loans and leases to total assets | 79.9239% | 481 |
| Net loans and leases to deposits | 92.3262% | 889 |
| Net loans and leases to core deposits | 95.0060% | 1,386 |
| Total domestic deposits to total assets | 86.5668% | 3,063 |
| Equity capital to assets | 9.9857% | 4,187 |
| Core capital (leverage) ratio | 9.8615% | 3,590 |
| Tier 1 risk-based capital ratio | 13.8726% | 4,473 |
| Total risk-based capital ratio | 15.1285% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,063,798,800 | 620 |
| Average earning assets | $981,529,000 | 605 |
| Average equity | $114,036,800 | 632 |
| Average total loans | $873,300,000 | 467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 764 |
| Cost of funding earning assets | 0.6942% | 3,823 |
| Net interest margin | 4.7442% | 611 |
| Noninterest income to average assets | 1.1009% | 1,240 |
| Noninterest expense to average assets | 2.6901% | 4,405 |
| Loan and lease loss provision to assets | 0.6913% | 735 |
| Net operating income to assets | 1.3745% | 1,279 |
| Return on assets (ROA) | 1.4046% | 1,334 |
| Pretax return on assets | 2.1481% | 528 |
| Return on Equity (ROE) | 12.8826% | 1,367 |
| Retained earnings to average equity (ytd only) | 9.4341% | 1,084 |
| Net charge-offs to loans | 0.9037% | 1,206 |
| Credit loss provision to net charge-offs | 92.8932% | 3,211 |
| Earnings coverage of net charge-offs (x) | 3.7529% | 3,528 |
| Efficiency ratio | 48.8182% | 6,676 |
| Assets per employee ($millions) | 3.5398% | 4,878 |
| Cash dividends to net income (ytd only)* | 26.7690% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,604 |
| Loan loss allowance to noncurrent loans | 196.9935% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 4,471 |
| Noncurrent loans to loans | 0.6832% | 5,073 |
| Net loans and leases to total assets | 82.0674% | 339 |
| Net loans and leases to deposits | 97.5226% | 568 |
| Net loans and leases to core deposits | 101.5151% | 1,020 |
| Total domestic deposits to total assets | 84.1522% | 4,149 |
| Equity capital to assets | 11.6770% | 2,560 |
| Core capital (leverage) ratio | 11.2941% | 2,143 |
| Tier 1 risk-based capital ratio | 15.7898% | 3,381 |
| Total risk-based capital ratio | 17.0581% | 3,340 |
| Memoranda: | ||
| Average total assets | $1,063,785,500 | 622 |
| Average earning assets | $982,628,500 | 602 |
| Average equity | $115,987,750 | 617 |
| Average total loans | $876,078,500 | 469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 823 |
| Cost of funding earning assets | 0.7262% | 3,798 |
| Net interest margin | 4.7021% | 670 |
| Noninterest income to average assets | 1.1060% | 1,171 |
| Noninterest expense to average assets | 2.6202% | 4,709 |
| Loan and lease loss provision to assets | 0.7751% | 662 |
| Net operating income to assets | 1.3407% | 1,328 |
| Return on assets (ROA) | 1.3855% | 1,364 |
| Pretax return on assets | 2.1246% | 554 |
| Return on Equity (ROE) | 13.0015% | 1,365 |
| Retained earnings to average equity (ytd only) | 9.6844% | 1,062 |
| Net charge-offs to loans | 0.9682% | 1,146 |
| Credit loss provision to net charge-offs | 97.5187% | 2,842 |
| Earnings coverage of net charge-offs (x) | 3.5618% | 3,335 |
| Efficiency ratio | 47.8294% | 6,788 |
| Assets per employee ($millions) | 3.5500% | 4,871 |
| Cash dividends to net income (ytd only)* | 25.5136% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,602 |
| Loan loss allowance to noncurrent loans | 162.4349% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,206 |
| Noncurrent loans to loans | 0.8385% | 4,839 |
| Net loans and leases to total assets | 81.9360% | 341 |
| Net loans and leases to deposits | 99.0271% | 467 |
| Net loans and leases to core deposits | 100.7515% | 1,051 |
| Total domestic deposits to total assets | 82.7410% | 4,855 |
| Equity capital to assets | 11.2279% | 2,864 |
| Core capital (leverage) ratio | 10.8112% | 2,468 |
| Tier 1 risk-based capital ratio | 15.3499% | 3,540 |
| Total risk-based capital ratio | 16.6042% | 3,497 |
| Memoranda: | ||
| Average total assets | $1,075,017,330 | 614 |
| Average earning assets | $993,393,330 | 597 |
| Average equity | $114,555,670 | 618 |
| Average total loans | $882,471,330 | 466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 868 |
| Cost of funding earning assets | 0.7651% | 3,750 |
| Net interest margin | 4.6668% | 730 |
| Noninterest income to average assets | 1.0638% | 1,273 |
| Noninterest expense to average assets | 2.5666% | 4,938 |
| Loan and lease loss provision to assets | 1.3136% | 281 |
| Net operating income to assets | 0.9780% | 2,567 |
| Return on assets (ROA) | 1.0664% | 2,416 |
| Pretax return on assets | 1.6306% | 1,479 |
| Return on Equity (ROE) | 10.2723% | 2,310 |
| Retained earnings to average equity (ytd only) | 6.7338% | 2,560 |
| Net charge-offs to loans | 1.6855% | 572 |
| Credit loss provision to net charge-offs | 95.4873% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.0414% | 3,330 |
| Efficiency ratio | 47.5123% | 6,837 |
| Assets per employee ($millions) | 3.7268% | 4,591 |
| Cash dividends to net income (ytd only)* | 34.4471% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 4,898 |
| Loan loss allowance to noncurrent loans | 100.8127% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 3,472 |
| Noncurrent loans to loans | 1.3164% | 4,141 |
| Net loans and leases to total assets | 80.7965% | 346 |
| Net loans and leases to deposits | 96.5757% | 505 |
| Net loans and leases to core deposits | 98.7369% | 1,069 |
| Total domestic deposits to total assets | 83.6613% | 4,649 |
| Equity capital to assets | 10.4989% | 3,491 |
| Core capital (leverage) ratio | 10.2675% | 3,038 |
| Tier 1 risk-based capital ratio | 14.5173% | 4,093 |
| Total risk-based capital ratio | 15.7711% | 4,042 |
| Memoranda: | ||
| Average total assets | $1,088,906,000 | 610 |
| Average earning assets | $1,005,904,500 | 591 |
| Average equity | $113,042,000 | 629 |
| Average total loans | $888,749,500 | 461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 1,157 |
| Cost of funding earning assets | 0.8830% | 4,232 |
| Net interest margin | 4.6249% | 872 |
| Noninterest income to average assets | 0.9301% | 1,571 |
| Noninterest expense to average assets | 2.4575% | 5,615 |
| Loan and lease loss provision to assets | 0.6797% | 1,506 |
| Net operating income to assets | 1.3537% | 1,135 |
| Return on assets (ROA) | 1.3537% | 1,221 |
| Pretax return on assets | 2.0468% | 485 |
| Return on Equity (ROE) | 13.3171% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.1691% | 759 |
| Net charge-offs to loans | 0.7311% | 2,326 |
| Credit loss provision to net charge-offs | 111.5593% | 2,979 |
| Earnings coverage of net charge-offs (x) | 4.4749% | 3,099 |
| Efficiency ratio | 47.2044% | 6,986 |
| Assets per employee ($millions) | 3.9613% | 3,945 |
| Cash dividends to net income (ytd only)* | 31.1474% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,689 |
| Loan loss allowance to noncurrent loans | 173.2213% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 3,965 |
| Noncurrent loans to loans | 0.7759% | 5,134 |
| Net loans and leases to total assets | 80.2627% | 467 |
| Net loans and leases to deposits | 95.4261% | 713 |
| Net loans and leases to core deposits | 97.6047% | 1,365 |
| Total domestic deposits to total assets | 84.1098% | 4,276 |
| Equity capital to assets | 10.2646% | 3,828 |
| Core capital (leverage) ratio | 9.8526% | 3,513 |
| Tier 1 risk-based capital ratio | 14.1703% | 4,200 |
| Total risk-based capital ratio | 15.4241% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,057,802,000 | 625 |
| Average earning assets | $972,929,200 | 608 |
| Average equity | $107,523,800 | 643 |
| Average total loans | $881,499,600 | 474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 1,125 |
| Cost of funding earning assets | 0.9094% | 4,335 |
| Net interest margin | 4.6464% | 854 |
| Noninterest income to average assets | 0.9067% | 1,624 |
| Noninterest expense to average assets | 2.5206% | 5,400 |
| Loan and lease loss provision to assets | 0.6089% | 1,617 |
| Net operating income to assets | 1.3565% | 1,249 |
| Return on assets (ROA) | 1.3565% | 1,333 |
| Pretax return on assets | 2.0480% | 572 |
| Return on Equity (ROE) | 13.3795% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.2298% | 1,063 |
| Net charge-offs to loans | 0.5796% | 2,512 |
| Credit loss provision to net charge-offs | 125.2943% | 2,561 |
| Earnings coverage of net charge-offs (x) | 5.4674% | 2,773 |
| Efficiency ratio | 48.5000% | 6,925 |
| Assets per employee ($millions) | 4.0603% | 3,712 |
| Cash dividends to net income (ytd only)* | 31.0157% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,644 |
| Loan loss allowance to noncurrent loans | 128.0741% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 3,897 |
| Noncurrent loans to loans | 1.0761% | 4,760 |
| Net loans and leases to total assets | 79.1871% | 589 |
| Net loans and leases to deposits | 95.4908% | 727 |
| Net loans and leases to core deposits | 97.5572% | 1,462 |
| Total domestic deposits to total assets | 82.9264% | 4,715 |
| Equity capital to assets | 9.9729% | 4,381 |
| Core capital (leverage) ratio | 9.7941% | 3,713 |
| Tier 1 risk-based capital ratio | 13.7950% | 4,502 |
| Total risk-based capital ratio | 15.0492% | 4,465 |
| Memoranda: | ||
| Average total assets | $1,048,926,000 | 634 |
| Average earning assets | $964,140,000 | 622 |
| Average equity | $106,349,000 | 653 |
| Average total loans | $879,506,750 | 479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6184% | 1,042 |
| Cost of funding earning assets | 0.9464% | 4,347 |
| Net interest margin | 4.6720% | 776 |
| Noninterest income to average assets | 1.1012% | 1,071 |
| Noninterest expense to average assets | 2.5808% | 5,260 |
| Loan and lease loss provision to assets | 0.4458% | 2,202 |
| Net operating income to assets | 1.5720% | 771 |
| Return on assets (ROA) | 1.5720% | 816 |
| Pretax return on assets | 2.3681% | 302 |
| Return on Equity (ROE) | 15.4153% | 733 |
| Retained earnings to average equity (ytd only) | 11.5662% | 582 |
| Net charge-offs to loans | 0.3917% | 2,992 |
| Credit loss provision to net charge-offs | 133.7209% | 2,285 |
| Earnings coverage of net charge-offs (x) | 8.4401% | 2,056 |
| Efficiency ratio | 47.6950% | 7,074 |
| Assets per employee ($millions) | 3.9606% | 3,841 |
| Cash dividends to net income (ytd only)* | 24.9692% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,903 |
| Loan loss allowance to noncurrent loans | 107.8098% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,826 |
| Noncurrent loans to loans | 1.2375% | 4,592 |
| Net loans and leases to total assets | 81.2304% | 429 |
| Net loans and leases to deposits | 98.3907% | 578 |
| Net loans and leases to core deposits | 101.0042% | 1,257 |
| Total domestic deposits to total assets | 82.5590% | 4,963 |
| Equity capital to assets | 10.1001% | 4,017 |
| Core capital (leverage) ratio | 9.9303% | 3,348 |
| Tier 1 risk-based capital ratio | 13.6312% | 4,431 |
| Total risk-based capital ratio | 14.8848% | 4,410 |
| Memoranda: | ||
| Average total assets | $1,031,787,000 | 654 |
| Average earning assets | $948,199,000 | 641 |
| Average equity | $105,220,000 | 662 |
| Average total loans | $878,173,670 | 488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 1,343 |
| Cost of funding earning assets | 0.9527% | 4,543 |
| Net interest margin | 4.5299% | 1,004 |
| Noninterest income to average assets | 1.2063% | 877 |
| Noninterest expense to average assets | 2.4676% | 5,682 |
| Loan and lease loss provision to assets | 0.4866% | 1,807 |
| Net operating income to assets | 1.5952% | 700 |
| Return on assets (ROA) | 1.5952% | 744 |
| Pretax return on assets | 2.4130% | 282 |
| Return on Equity (ROE) | 15.5634% | 731 |
| Retained earnings to average equity (ytd only) | 11.3175% | 835 |
| Net charge-offs to loans | 0.3427% | 2,690 |
| Credit loss provision to net charge-offs | 164.0000% | 1,765 |
| Earnings coverage of net charge-offs (x) | 9.7720% | 1,693 |
| Efficiency ratio | 45.9384% | 7,205 |
| Assets per employee ($millions) | 3.7062% | 4,528 |
| Cash dividends to net income (ytd only)* | 27.2817% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 5,138 |
| Loan loss allowance to noncurrent loans | 274.6476% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 4,403 |
| Noncurrent loans to loans | 0.4728% | 6,074 |
| Net loans and leases to total assets | 84.7155% | 191 |
| Net loans and leases to deposits | 103.1574% | 338 |
| Net loans and leases to core deposits | 105.1999% | 983 |
| Total domestic deposits to total assets | 82.1225% | 5,261 |
| Equity capital to assets | 10.0199% | 3,751 |
| Core capital (leverage) ratio | 10.5362% | 2,574 |
| Tier 1 risk-based capital ratio | 12.8750% | 4,928 |
| Total risk-based capital ratio | 14.1279% | 4,902 |
| Memoranda: | ||
| Average total assets | $1,011,025,000 | 665 |
| Average earning assets | $928,684,000 | 653 |
| Average equity | $103,627,500 | 667 |
| Average total loans | $875,438,500 | 501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7866% | 1,307 |
| Cost of funding earning assets | 1.3786% | 3,402 |
| Net interest margin | 4.4080% | 1,446 |
| Noninterest income to average assets | 1.3303% | 828 |
| Noninterest expense to average assets | 2.6802% | 5,081 |
| Loan and lease loss provision to assets | 0.6274% | 2,619 |
| Net operating income to assets | 1.3539% | 1,037 |
| Return on assets (ROA) | 1.3537% | 1,114 |
| Pretax return on assets | 2.0736% | 413 |
| Return on Equity (ROE) | 13.3606% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.3763% | 626 |
| Net charge-offs to loans | 0.6079% | 3,213 |
| Credit loss provision to net charge-offs | 117.7964% | 3,617 |
| Earnings coverage of net charge-offs (x) | 5.0717% | 2,719 |
| Efficiency ratio | 49.7699% | 7,141 |
| Assets per employee ($millions) | 3.5648% | 4,790 |
| Cash dividends to net income (ytd only)* | 29.8209% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,910 |
| Loan loss allowance to noncurrent loans | 285.7252% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 5,491 |
| Noncurrent loans to loans | 0.4612% | 6,124 |
| Net loans and leases to total assets | 86.2557% | 174 |
| Net loans and leases to deposits | 105.4153% | 346 |
| Net loans and leases to core deposits | 107.4168% | 1,098 |
| Total domestic deposits to total assets | 81.8247% | 5,240 |
| Equity capital to assets | 10.4975% | 3,159 |
| Core capital (leverage) ratio | 10.3500% | 2,719 |
| Tier 1 risk-based capital ratio | 13.5085% | 4,193 |
| Total risk-based capital ratio | 14.7619% | 4,164 |
| Memoranda: | ||
| Average total assets | $961,113,400 | 695 |
| Average earning assets | $883,303,600 | 684 |
| Average equity | $97,383,400 | 691 |
| Average total loans | $842,129,000 | 530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 1,495 |
| Cost of funding earning assets | 1.4596% | 3,221 |
| Net interest margin | 4.3067% | 1,828 |
| Noninterest income to average assets | 1.3428% | 750 |
| Noninterest expense to average assets | 2.7105% | 4,835 |
| Loan and lease loss provision to assets | 0.5678% | 2,664 |
| Net operating income to assets | 1.3203% | 1,299 |
| Return on assets (ROA) | 1.3201% | 1,372 |
| Pretax return on assets | 2.0222% | 593 |
| Return on Equity (ROE) | 13.1488% | 1,217 |
| Retained earnings to average equity (ytd only) | 9.2122% | 989 |
| Net charge-offs to loans | 0.5978% | 2,950 |
| Credit loss provision to net charge-offs | 108.3378% | 3,931 |
| Earnings coverage of net charge-offs (x) | 4.9424% | 2,888 |
| Efficiency ratio | 51.1000% | 7,065 |
| Assets per employee ($millions) | 3.5810% | 4,778 |
| Cash dividends to net income (ytd only)* | 29.9389% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,220 |
| Loan loss allowance to noncurrent loans | 280.8894% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 5,510 |
| Noncurrent loans to loans | 0.4454% | 6,301 |
| Net loans and leases to total assets | 86.9532% | 144 |
| Net loans and leases to deposits | 103.9987% | 430 |
| Net loans and leases to core deposits | 106.4756% | 1,286 |
| Total domestic deposits to total assets | 83.6099% | 4,316 |
| Equity capital to assets | 10.3476% | 3,703 |
| Core capital (leverage) ratio | 10.0000% | 3,254 |
| Tier 1 risk-based capital ratio | 13.1580% | 4,449 |
| Total risk-based capital ratio | 14.4104% | 4,433 |
| Memoranda: | ||
| Average total assets | $958,090,750 | 699 |
| Average earning assets | $880,493,500 | 686 |
| Average equity | $96,188,750 | 697 |
| Average total loans | $839,998,000 | 527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 1,611 |
| Cost of funding earning assets | 1.5063% | 3,223 |
| Net interest margin | 4.2295% | 2,054 |
| Noninterest income to average assets | 1.3357% | 709 |
| Noninterest expense to average assets | 2.7021% | 4,897 |
| Loan and lease loss provision to assets | 0.5395% | 2,624 |
| Net operating income to assets | 1.3027% | 1,298 |
| Return on assets (ROA) | 1.3024% | 1,363 |
| Pretax return on assets | 1.9790% | 627 |
| Return on Equity (ROE) | 13.1081% | 1,209 |
| Retained earnings to average equity (ytd only) | 8.6461% | 1,216 |
| Net charge-offs to loans | 0.5007% | 3,036 |
| Credit loss provision to net charge-offs | 123.0916% | 3,282 |
| Earnings coverage of net charge-offs (x) | 5.7467% | 2,605 |
| Efficiency ratio | 51.7223% | 7,101 |
| Assets per employee ($millions) | 3.6345% | 4,622 |
| Cash dividends to net income (ytd only)* | 34.0398% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,968 |
| Loan loss allowance to noncurrent loans | 311.7987% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 5,930 |
| Noncurrent loans to loans | 0.4148% | 6,413 |
| Net loans and leases to total assets | 84.7945% | 298 |
| Net loans and leases to deposits | 103.4788% | 515 |
| Net loans and leases to core deposits | 105.7570% | 1,473 |
| Total domestic deposits to total assets | 81.9438% | 5,010 |
| Equity capital to assets | 10.0106% | 4,016 |
| Core capital (leverage) ratio | 9.8326% | 3,362 |
| Tier 1 risk-based capital ratio | 13.0093% | 4,432 |
| Total risk-based capital ratio | 14.2622% | 4,386 |
| Memoranda: | ||
| Average total assets | $956,354,000 | 696 |
| Average earning assets | $878,552,670 | 684 |
| Average equity | $95,025,330 | 698 |
| Average total loans | $837,253,000 | 527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 1,627 |
| Cost of funding earning assets | 1.5497% | 3,270 |
| Net interest margin | 4.1969% | 2,053 |
| Noninterest income to average assets | 1.1730% | 892 |
| Noninterest expense to average assets | 2.7249% | 4,787 |
| Loan and lease loss provision to assets | 0.4214% | 2,849 |
| Net operating income to assets | 1.2431% | 1,419 |
| Return on assets (ROA) | 1.2426% | 1,495 |
| Pretax return on assets | 1.8771% | 765 |
| Return on Equity (ROE) | 12.5534% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.9560% | 1,726 |
| Net charge-offs to loans | 0.3799% | 2,914 |
| Credit loss provision to net charge-offs | 125.4705% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.8469% | 2,161 |
| Efficiency ratio | 54.2100% | 6,949 |
| Assets per employee ($millions) | 3.5938% | 4,838 |
| Cash dividends to net income (ytd only)* | 36.6226% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,211 |
| Loan loss allowance to noncurrent loans | 243.7558% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,911 |
| Noncurrent loans to loans | 0.5131% | 6,266 |
| Net loans and leases to total assets | 87.3868% | 151 |
| Net loans and leases to deposits | 107.2828% | 369 |
| Net loans and leases to core deposits | 109.7463% | 1,292 |
| Total domestic deposits to total assets | 81.4547% | 5,289 |
| Equity capital to assets | 10.0028% | 3,874 |
| Core capital (leverage) ratio | 9.7727% | 3,430 |
| Tier 1 risk-based capital ratio | 12.4952% | 4,758 |
| Total risk-based capital ratio | 13.7471% | 4,704 |
| Memoranda: | ||
| Average total assets | $949,328,500 | 716 |
| Average earning assets | $871,109,500 | 705 |
| Average equity | $93,966,500 | 709 |
| Average total loans | $839,063,500 | 546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6781% | 3,218 |
| Cost of funding earning assets | 2.0607% | 2,679 |
| Net interest margin | 3.6175% | 4,486 |
| Noninterest income to average assets | 1.0925% | 1,288 |
| Noninterest expense to average assets | 2.5274% | 6,038 |
| Loan and lease loss provision to assets | 0.5733% | 3,508 |
| Net operating income to assets | 0.8775% | 2,252 |
| Return on assets (ROA) | 0.8775% | 2,318 |
| Pretax return on assets | 1.3180% | 1,646 |
| Return on Equity (ROE) | 9.4156% | 1,883 |
| Retained earnings to average equity (ytd only) | 4.6086% | 2,033 |
| Net charge-offs to loans | 0.6112% | 3,383 |
| Credit loss provision to net charge-offs | 106.8118% | 5,190 |
| Earnings coverage of net charge-offs (x) | 3.5238% | 3,309 |
| Efficiency ratio | 57.1981% | 6,875 |
| Assets per employee ($millions) | 3.6534% | 4,638 |
| Cash dividends to net income (ytd only)* | 51.0539% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 5,187 |
| Loan loss allowance to noncurrent loans | 549.8131% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 6,180 |
| Noncurrent loans to loans | 0.2234% | 6,872 |
| Net loans and leases to total assets | 87.1923% | 215 |
| Net loans and leases to deposits | 109.7279% | 394 |
| Net loans and leases to core deposits | 130.4293% | 1,254 |
| Total domestic deposits to total assets | 79.4623% | 5,858 |
| Equity capital to assets | 9.7937% | 4,012 |
| Core capital (leverage) ratio | 9.5835% | 3,620 |
| Tier 1 risk-based capital ratio | 12.1831% | 4,784 |
| Total risk-based capital ratio | 13.4348% | 4,746 |
| Memoranda: | ||
| Average total assets | $924,506,800 | 732 |
| Average earning assets | $850,068,800 | 713 |
| Average equity | $86,165,600 | 742 |
| Average total loans | $811,832,400 | 569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 3,557 |
| Cost of funding earning assets | 2.1655% | 2,572 |
| Net interest margin | 3.4881% | 4,905 |
| Noninterest income to average assets | 1.0734% | 1,375 |
| Noninterest expense to average assets | 2.5308% | 5,968 |
| Loan and lease loss provision to assets | 0.5809% | 3,068 |
| Net operating income to assets | 0.7814% | 2,894 |
| Return on assets (ROA) | 0.7814% | 2,951 |
| Pretax return on assets | 1.1707% | 2,351 |
| Return on Equity (ROE) | 8.4956% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.6328% | 3,253 |
| Net charge-offs to loans | 0.6216% | 2,814 |
| Credit loss provision to net charge-offs | 106.5530% | 4,773 |
| Earnings coverage of net charge-offs (x) | 3.2131% | 3,633 |
| Efficiency ratio | 59.0980% | 6,554 |
| Assets per employee ($millions) | 3.7196% | 4,377 |
| Cash dividends to net income (ytd only)* | 57.2384% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 4,783 |
| Loan loss allowance to noncurrent loans | 1,715.2941% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 6,259 |
| Noncurrent loans to loans | 0.0732% | 7,312 |
| Net loans and leases to total assets | 85.5724% | 382 |
| Net loans and leases to deposits | 108.6888% | 513 |
| Net loans and leases to core deposits | 133.1989% | 1,255 |
| Total domestic deposits to total assets | 78.7316% | 5,885 |
| Equity capital to assets | 9.7471% | 4,427 |
| Core capital (leverage) ratio | 9.3722% | 4,086 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,734 |
| Total risk-based capital ratio | 13.5186% | 4,673 |
| Memoranda: | ||
| Average total assets | $918,159,750 | 748 |
| Average earning assets | $844,679,000 | 732 |
| Average equity | $84,449,500 | 765 |
| Average total loans | $805,157,250 | 586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6057% | 4,050 |
| Cost of funding earning assets | 2.2429% | 2,611 |
| Net interest margin | 3.3629% | 5,302 |
| Noninterest income to average assets | 1.0599% | 1,412 |
| Noninterest expense to average assets | 2.5583% | 5,908 |
| Loan and lease loss provision to assets | 0.6997% | 2,330 |
| Net operating income to assets | 0.5993% | 3,676 |
| Return on assets (ROA) | 0.5993% | 3,785 |
| Pretax return on assets | 0.8921% | 3,368 |
| Return on Equity (ROE) | 6.6517% | 3,361 |
| Retained earnings to average equity (ytd only) | 1.9040% | 4,286 |
| Net charge-offs to loans | 0.7808% | 2,112 |
| Credit loss provision to net charge-offs | 101.7869% | 4,494 |
| Earnings coverage of net charge-offs (x) | 2.3156% | 3,910 |
| Efficiency ratio | 61.6438% | 6,291 |
| Assets per employee ($millions) | 3.6745% | 4,388 |
| Cash dividends to net income (ytd only)* | 71.3763% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 4,672 |
| Loan loss allowance to noncurrent loans | 660.2505% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,905 |
| Noncurrent loans to loans | 0.1878% | 7,048 |
| Net loans and leases to total assets | 85.1584% | 484 |
| Net loans and leases to deposits | 110.5356% | 533 |
| Net loans and leases to core deposits | 140.8023% | 979 |
| Total domestic deposits to total assets | 77.0416% | 6,317 |
| Equity capital to assets | 9.5884% | 4,499 |
| Core capital (leverage) ratio | 9.3344% | 4,124 |
| Tier 1 risk-based capital ratio | 12.0315% | 4,892 |
| Total risk-based capital ratio | 13.2831% | 4,814 |
| Memoranda: | ||
| Average total assets | $911,765,000 | 774 |
| Average earning assets | $837,855,670 | 757 |
| Average equity | $82,144,670 | 798 |
| Average total loans | $802,771,670 | 607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 4,325 |
| Cost of funding earning assets | 2.2857% | 2,762 |
| Net interest margin | 3.3190% | 5,435 |
| Noninterest income to average assets | 1.0477% | 1,359 |
| Noninterest expense to average assets | 2.5170% | 5,779 |
| Loan and lease loss provision to assets | 0.6900% | 1,828 |
| Net operating income to assets | 0.5983% | 4,019 |
| Return on assets (ROA) | 0.5983% | 4,215 |
| Pretax return on assets | 0.8857% | 3,766 |
| Return on Equity (ROE) | 6.8714% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.8903% | 4,802 |
| Net charge-offs to loans | 0.7538% | 1,690 |
| Credit loss provision to net charge-offs | 102.8515% | 3,648 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 3,556 |
| Efficiency ratio | 61.5000% | 6,155 |
| Assets per employee ($millions) | 3.7493% | 4,235 |
| Cash dividends to net income (ytd only)* | 72.4907% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,439 |
| Loan loss allowance to noncurrent loans | 288.1878% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 5,032 |
| Noncurrent loans to loans | 0.4337% | 6,338 |
| Net loans and leases to total assets | 85.6878% | 487 |
| Net loans and leases to deposits | 111.6113% | 537 |
| Net loans and leases to core deposits | 145.3447% | 891 |
| Total domestic deposits to total assets | 76.7734% | 6,344 |
| Equity capital to assets | 9.6961% | 4,389 |
| Core capital (leverage) ratio | 9.7103% | 3,742 |
| Tier 1 risk-based capital ratio | 11.9338% | 5,016 |
| Total risk-based capital ratio | 13.1853% | 4,922 |
| Memoranda: | ||
| Average total assets | $899,155,000 | 784 |
| Average earning assets | $824,950,000 | 771 |
| Average equity | $78,296,000 | 841 |
| Average total loans | $800,189,000 | 618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6991% | 2,028 |
| Cost of funding earning assets | 3.0805% | 1,571 |
| Net interest margin | 3.6186% | 4,800 |
| Noninterest income to average assets | 1.1261% | 1,233 |
| Noninterest expense to average assets | 2.7981% | 4,825 |
| Loan and lease loss provision to assets | 0.9036% | 1,655 |
| Net operating income to assets | 0.5244% | 4,633 |
| Return on assets (ROA) | 0.5246% | 4,489 |
| Pretax return on assets | 0.7184% | 4,339 |
| Return on Equity (ROE) | 6.5557% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.1101% | 2,575 |
| Net charge-offs to loans | 0.6648% | 1,863 |
| Credit loss provision to net charge-offs | 150.2603% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.6968% | 4,732 |
| Efficiency ratio | 63.3065% | 5,709 |
| Assets per employee ($millions) | 3.2932% | 5,227 |
| Cash dividends to net income (ytd only)* | 37.3049% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,194 |
| Loan loss allowance to noncurrent loans | 390.5882% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 5,008 |
| Noncurrent loans to loans | 0.3187% | 6,419 |
| Net loans and leases to total assets | 90.1950% | 187 |
| Net loans and leases to deposits | 117.2864% | 468 |
| Net loans and leases to core deposits | 153.7406% | 723 |
| Total domestic deposits to total assets | 76.9015% | 6,021 |
| Equity capital to assets | 7.6670% | 7,242 |
| Core capital (leverage) ratio | 7.4412% | 7,272 |
| Tier 1 risk-based capital ratio | 8.8074% | 7,904 |
| Total risk-based capital ratio | 10.0589% | 7,953 |
| Memoranda: | ||
| Average total assets | $830,413,800 | 817 |
| Average earning assets | $755,894,000 | 815 |
| Average equity | $66,446,000 | 1,004 |
| Average total loans | $751,214,200 | 639 |