Home > MarkleBank > Performance and Condition Ratios
MarkleBank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 2,794 |
| Cost of funding earning assets | 0.8931% | 2,217 |
| Net interest margin | 3.8110% | 3,290 |
| Noninterest income to average assets | 0.8371% | 2,086 |
| Noninterest expense to average assets | 2.7513% | 4,165 |
| Loan and lease loss provision to assets | 0.2115% | 2,949 |
| Net operating income to assets | 0.9386% | 2,803 |
| Return on assets (ROA) | 0.9868% | 2,803 |
| Pretax return on assets | 1.3374% | 2,465 |
| Return on Equity (ROE) | 7.5222% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.6934% | 3,597 |
| Net charge-offs to loans | 0.1690% | 3,763 |
| Credit loss provision to net charge-offs | 183.1683% | 1,516 |
| Earnings coverage of net charge-offs (x) | 12.8515% | 1,964 |
| Efficiency ratio | 61.9163% | 5,159 |
| Assets per employee ($millions) | 4.3700% | 3,133 |
| Cash dividends to net income (ytd only)* | 37.6060% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,824 |
| Loan loss allowance to noncurrent loans | 89.8091% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,057 |
| Noncurrent loans to loans | 1.4457% | 3,635 |
| Net loans and leases to total assets | 68.7021% | 2,173 |
| Net loans and leases to deposits | 88.8723% | 1,264 |
| Net loans and leases to core deposits | 98.3527% | 1,239 |
| Total domestic deposits to total assets | 77.3042% | 6,189 |
| Equity capital to assets | 13.2291% | 1,479 |
| Core capital (leverage) ratio | 9.0822% | 4,943 |
| Tier 1 risk-based capital ratio | 11.5194% | 6,215 |
| Total risk-based capital ratio | 12.7248% | 6,211 |
| Memoranda: | ||
| Average total assets | $349,937,250 | 1,868 |
| Average earning assets | $312,000,750 | 1,911 |
| Average equity | $45,907,500 | 1,527 |
| Average total loans | $238,978,000 | 1,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 2,845 |
| Cost of funding earning assets | 0.9410% | 2,112 |
| Net interest margin | 3.7780% | 3,466 |
| Noninterest income to average assets | 0.7745% | 2,317 |
| Noninterest expense to average assets | 2.7224% | 4,319 |
| Loan and lease loss provision to assets | 0.2008% | 3,070 |
| Net operating income to assets | 0.9140% | 2,839 |
| Return on assets (ROA) | 0.9140% | 3,103 |
| Pretax return on assets | 1.2215% | 2,829 |
| Return on Equity (ROE) | 6.9867% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.0306% | 3,926 |
| Net charge-offs to loans | 0.2689% | 2,967 |
| Credit loss provision to net charge-offs | 110.0629% | 2,481 |
| Earnings coverage of net charge-offs (x) | 7.7956% | 2,419 |
| Efficiency ratio | 62.5554% | 5,158 |
| Assets per employee ($millions) | 4.6971% | 2,571 |
| Cash dividends to net income (ytd only)* | 42.3101% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,168 |
| Loan loss allowance to noncurrent loans | 97.2894% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 4,380 |
| Noncurrent loans to loans | 1.2720% | 4,011 |
| Net loans and leases to total assets | 68.3974% | 2,215 |
| Net loans and leases to deposits | 87.0381% | 1,472 |
| Net loans and leases to core deposits | 97.3048% | 1,317 |
| Total domestic deposits to total assets | 78.5833% | 6,040 |
| Equity capital to assets | 13.2536% | 1,410 |
| Core capital (leverage) ratio | 8.7593% | 5,282 |
| Tier 1 risk-based capital ratio | 11.6386% | 6,151 |
| Total risk-based capital ratio | 12.8020% | 6,165 |
| Memoranda: | ||
| Average total assets | $348,593,330 | 1,879 |
| Average earning assets | $310,960,000 | 1,925 |
| Average equity | $45,601,000 | 1,529 |
| Average total loans | $236,509,670 | 1,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 2,956 |
| Cost of funding earning assets | 0.9863% | 2,060 |
| Net interest margin | 3.7384% | 3,644 |
| Noninterest income to average assets | 0.8250% | 2,046 |
| Noninterest expense to average assets | 2.7076% | 4,395 |
| Loan and lease loss provision to assets | 0.1891% | 3,067 |
| Net operating income to assets | 0.9361% | 2,764 |
| Return on assets (ROA) | 0.9361% | 2,970 |
| Pretax return on assets | 1.2638% | 2,677 |
| Return on Equity (ROE) | 7.2034% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.3555% | 3,980 |
| Net charge-offs to loans | 0.5171% | 1,799 |
| Credit loss provision to net charge-offs | 54.4554% | 3,211 |
| Earnings coverage of net charge-offs (x) | 4.1848% | 2,642 |
| Efficiency ratio | 61.9664% | 5,281 |
| Assets per employee ($millions) | 4.3615% | 3,276 |
| Cash dividends to net income (ytd only)* | 39.5349% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,466 |
| Loan loss allowance to noncurrent loans | 96.0999% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 4,689 |
| Noncurrent loans to loans | 1.2518% | 4,241 |
| Net loans and leases to total assets | 65.3000% | 2,596 |
| Net loans and leases to deposits | 80.5241% | 2,142 |
| Net loans and leases to core deposits | 90.2636% | 1,826 |
| Total domestic deposits to total assets | 81.0938% | 5,579 |
| Equity capital to assets | 12.8932% | 1,491 |
| Core capital (leverage) ratio | 8.6838% | 5,325 |
| Tier 1 risk-based capital ratio | 11.8091% | 6,078 |
| Total risk-based capital ratio | 12.9411% | 6,142 |
| Memoranda: | ||
| Average total assets | $349,096,000 | 1,891 |
| Average earning assets | $311,466,500 | 1,919 |
| Average equity | $45,367,500 | 1,528 |
| Average total loans | $234,404,500 | 1,762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 2,579 |
| Cost of funding earning assets | 1.1755% | 2,188 |
| Net interest margin | 3.8917% | 3,371 |
| Noninterest income to average assets | 0.8573% | 1,813 |
| Noninterest expense to average assets | 2.7245% | 4,647 |
| Loan and lease loss provision to assets | 0.3081% | 3,209 |
| Net operating income to assets | 0.9679% | 2,331 |
| Return on assets (ROA) | 0.9832% | 2,407 |
| Pretax return on assets | 1.3233% | 2,042 |
| Return on Equity (ROE) | 7.6331% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.8572% | 2,744 |
| Net charge-offs to loans | 0.2512% | 4,208 |
| Credit loss provision to net charge-offs | 179.0017% | 1,460 |
| Earnings coverage of net charge-offs (x) | 9.3580% | 1,996 |
| Efficiency ratio | 59.7581% | 5,798 |
| Assets per employee ($millions) | 4.7904% | 2,460 |
| Cash dividends to net income (ytd only)* | 36.3664% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,156 |
| Loan loss allowance to noncurrent loans | 91.9214% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 4,699 |
| Noncurrent loans to loans | 1.3625% | 4,098 |
| Net loans and leases to total assets | 67.3682% | 2,508 |
| Net loans and leases to deposits | 84.2724% | 1,888 |
| Net loans and leases to core deposits | 94.1514% | 1,680 |
| Total domestic deposits to total assets | 79.9410% | 5,757 |
| Equity capital to assets | 13.1007% | 1,441 |
| Core capital (leverage) ratio | 8.6449% | 5,323 |
| Tier 1 risk-based capital ratio | 11.5655% | 6,123 |
| Total risk-based capital ratio | 12.7517% | 6,145 |
| Memoranda: | ||
| Average total assets | $337,570,400 | 1,913 |
| Average earning assets | $301,664,400 | 1,947 |
| Average equity | $43,481,800 | 1,554 |
| Average total loans | $231,332,200 | 1,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 2,861 |
| Cost of funding earning assets | 1.2060% | 2,283 |
| Net interest margin | 3.8398% | 3,669 |
| Noninterest income to average assets | 0.7927% | 2,088 |
| Noninterest expense to average assets | 2.6782% | 4,810 |
| Loan and lease loss provision to assets | 0.2542% | 3,470 |
| Net operating income to assets | 0.9607% | 2,479 |
| Return on assets (ROA) | 0.9789% | 2,558 |
| Pretax return on assets | 1.3177% | 2,232 |
| Return on Equity (ROE) | 7.6333% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.9392% | 3,213 |
| Net charge-offs to loans | 0.3022% | 3,579 |
| Credit loss provision to net charge-offs | 122.6054% | 2,635 |
| Earnings coverage of net charge-offs (x) | 7.4636% | 2,359 |
| Efficiency ratio | 60.1974% | 5,687 |
| Assets per employee ($millions) | 4.8030% | 2,467 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,877 |
| Loan loss allowance to noncurrent loans | 66.1086% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 4,366 |
| Noncurrent loans to loans | 1.6699% | 3,799 |
| Net loans and leases to total assets | 68.4605% | 2,387 |
| Net loans and leases to deposits | 85.4175% | 1,772 |
| Net loans and leases to core deposits | 96.7469% | 1,530 |
| Total domestic deposits to total assets | 80.1481% | 5,694 |
| Equity capital to assets | 13.0512% | 1,594 |
| Core capital (leverage) ratio | 8.7204% | 5,374 |
| Tier 1 risk-based capital ratio | 11.2954% | 6,363 |
| Total risk-based capital ratio | 12.3413% | 6,469 |
| Memoranda: | ||
| Average total assets | $335,735,000 | 1,930 |
| Average earning assets | $300,150,750 | 1,957 |
| Average equity | $43,055,750 | 1,570 |
| Average total loans | $230,338,250 | 1,822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 3,072 |
| Cost of funding earning assets | 1.2275% | 2,398 |
| Net interest margin | 3.7899% | 3,836 |
| Noninterest income to average assets | 0.8168% | 1,939 |
| Noninterest expense to average assets | 2.7235% | 4,729 |
| Loan and lease loss provision to assets | 0.2695% | 3,235 |
| Net operating income to assets | 0.9135% | 2,577 |
| Return on assets (ROA) | 0.9414% | 2,570 |
| Pretax return on assets | 1.2594% | 2,269 |
| Return on Equity (ROE) | 7.3851% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.8153% | 3,108 |
| Net charge-offs to loans | 0.1051% | 4,634 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 20.7583% | 1,180 |
| Efficiency ratio | 61.4008% | 5,671 |
| Assets per employee ($millions) | 4.7104% | 2,530 |
| Cash dividends to net income (ytd only)* | 34.7964% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,415 |
| Loan loss allowance to noncurrent loans | 80.1935% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 4,562 |
| Noncurrent loans to loans | 1.5336% | 4,111 |
| Net loans and leases to total assets | 67.6694% | 2,679 |
| Net loans and leases to deposits | 83.6021% | 2,168 |
| Net loans and leases to core deposits | 94.2216% | 1,870 |
| Total domestic deposits to total assets | 80.9422% | 5,542 |
| Equity capital to assets | 12.9971% | 1,515 |
| Core capital (leverage) ratio | 8.3742% | 5,747 |
| Tier 1 risk-based capital ratio | 11.4849% | 6,177 |
| Total risk-based capital ratio | 12.6618% | 6,226 |
| Memoranda: | ||
| Average total assets | $333,976,330 | 1,954 |
| Average earning assets | $299,479,330 | 1,977 |
| Average equity | $42,572,330 | 1,570 |
| Average total loans | $228,429,670 | 1,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 2,847 |
| Cost of funding earning assets | 1.2366% | 2,588 |
| Net interest margin | 3.8150% | 3,540 |
| Noninterest income to average assets | 0.7407% | 2,310 |
| Noninterest expense to average assets | 2.6547% | 5,016 |
| Loan and lease loss provision to assets | 0.2517% | 3,137 |
| Net operating income to assets | 0.9304% | 2,443 |
| Return on assets (ROA) | 0.9552% | 2,400 |
| Pretax return on assets | 1.2992% | 2,047 |
| Return on Equity (ROE) | 7.5680% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.9662% | 3,219 |
| Net charge-offs to loans | 0.0649% | 4,279 |
| Credit loss provision to net charge-offs | 567.5676% | 657 |
| Earnings coverage of net charge-offs (x) | 34.2162% | 758 |
| Efficiency ratio | 60.3849% | 5,929 |
| Assets per employee ($millions) | 5.2437% | 1,835 |
| Cash dividends to net income (ytd only)* | 34.3789% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,698 |
| Loan loss allowance to noncurrent loans | 105.3444% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,230 |
| Noncurrent loans to loans | 1.1256% | 4,822 |
| Net loans and leases to total assets | 65.0608% | 3,227 |
| Net loans and leases to deposits | 79.5081% | 2,805 |
| Net loans and leases to core deposits | 89.2150% | 2,453 |
| Total domestic deposits to total assets | 81.8292% | 5,378 |
| Equity capital to assets | 12.4690% | 1,645 |
| Core capital (leverage) ratio | 8.3993% | 5,628 |
| Tier 1 risk-based capital ratio | 11.6176% | 6,010 |
| Total risk-based capital ratio | 12.7658% | 6,070 |
| Memoranda: | ||
| Average total assets | $333,747,000 | 1,966 |
| Average earning assets | $300,184,000 | 1,985 |
| Average equity | $42,125,000 | 1,577 |
| Average total loans | $228,080,500 | 1,874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 2,833 |
| Cost of funding earning assets | 1.4717% | 2,816 |
| Net interest margin | 3.8931% | 3,525 |
| Noninterest income to average assets | 0.8682% | 1,982 |
| Noninterest expense to average assets | 2.6919% | 5,027 |
| Loan and lease loss provision to assets | 0.3087% | 4,332 |
| Net operating income to assets | 0.9832% | 2,096 |
| Return on assets (ROA) | 0.9825% | 2,211 |
| Pretax return on assets | 1.3516% | 1,792 |
| Return on Equity (ROE) | 7.5533% | 2,869 |
| Retained earnings to average equity (ytd only) | 4.3329% | 2,805 |
| Net charge-offs to loans | 0.4755% | 3,715 |
| Credit loss provision to net charge-offs | 91.9811% | 5,046 |
| Earnings coverage of net charge-offs (x) | 4.9500% | 2,758 |
| Efficiency ratio | 58.5497% | 6,275 |
| Assets per employee ($millions) | 5.0255% | 2,122 |
| Cash dividends to net income (ytd only)* | 42.6362% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 6,057 |
| Loan loss allowance to noncurrent loans | 111.5195% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 5,439 |
| Noncurrent loans to loans | 0.9627% | 5,127 |
| Net loans and leases to total assets | 70.1839% | 2,501 |
| Net loans and leases to deposits | 86.9390% | 1,947 |
| Net loans and leases to core deposits | 97.0803% | 1,884 |
| Total domestic deposits to total assets | 80.7277% | 5,613 |
| Equity capital to assets | 12.7813% | 1,493 |
| Core capital (leverage) ratio | 8.2405% | 5,767 |
| Tier 1 risk-based capital ratio | 11.2941% | 6,096 |
| Total risk-based capital ratio | 12.3614% | 6,213 |
| Memoranda: | ||
| Average total assets | $315,836,400 | 2,059 |
| Average earning assets | $282,728,800 | 2,087 |
| Average equity | $41,081,400 | 1,611 |
| Average total loans | $222,933,400 | 1,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 3,007 |
| Cost of funding earning assets | 1.5189% | 2,851 |
| Net interest margin | 3.8549% | 3,734 |
| Noninterest income to average assets | 0.7945% | 2,264 |
| Noninterest expense to average assets | 2.6616% | 5,048 |
| Loan and lease loss provision to assets | 0.2683% | 4,437 |
| Net operating income to assets | 0.9590% | 2,376 |
| Return on assets (ROA) | 0.9580% | 2,508 |
| Pretax return on assets | 1.3106% | 2,138 |
| Return on Equity (ROE) | 7.3323% | 3,189 |
| Retained earnings to average equity (ytd only) | 3.9073% | 3,719 |
| Net charge-offs to loans | 0.3286% | 4,021 |
| Credit loss provision to net charge-offs | 115.8088% | 3,602 |
| Earnings coverage of net charge-offs (x) | 6.8217% | 2,446 |
| Efficiency ratio | 59.3455% | 6,057 |
| Assets per employee ($millions) | 5.4478% | 1,675 |
| Cash dividends to net income (ytd only)* | 46.7111% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,596 |
| Loan loss allowance to noncurrent loans | 89.6191% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 5,126 |
| Noncurrent loans to loans | 1.3157% | 4,665 |
| Net loans and leases to total assets | 67.0615% | 3,443 |
| Net loans and leases to deposits | 81.9866% | 3,109 |
| Net loans and leases to core deposits | 96.1751% | 2,239 |
| Total domestic deposits to total assets | 81.7956% | 5,076 |
| Equity capital to assets | 12.6356% | 1,787 |
| Core capital (leverage) ratio | 8.4593% | 5,581 |
| Tier 1 risk-based capital ratio | 11.3951% | 6,027 |
| Total risk-based capital ratio | 12.5753% | 6,076 |
| Memoranda: | ||
| Average total assets | $313,131,500 | 2,103 |
| Average earning assets | $280,020,500 | 2,143 |
| Average equity | $40,914,000 | 1,621 |
| Average total loans | $220,729,750 | 1,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4490% | 2,756 |
| Cost of funding earning assets | 1.5693% | 2,841 |
| Net interest margin | 3.8798% | 3,537 |
| Noninterest income to average assets | 0.6983% | 2,718 |
| Noninterest expense to average assets | 2.6681% | 5,045 |
| Loan and lease loss provision to assets | 0.2869% | 4,097 |
| Net operating income to assets | 0.8993% | 2,554 |
| Return on assets (ROA) | 0.8978% | 2,681 |
| Pretax return on assets | 1.2056% | 2,398 |
| Return on Equity (ROE) | 6.7907% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.9392% | 4,259 |
| Net charge-offs to loans | 0.4956% | 3,052 |
| Credit loss provision to net charge-offs | 81.0313% | 4,679 |
| Earnings coverage of net charge-offs (x) | 4.2210% | 3,016 |
| Efficiency ratio | 60.5576% | 5,941 |
| Assets per employee ($millions) | 4.8660% | 2,347 |
| Cash dividends to net income (ytd only)* | 56.7175% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,789 |
| Loan loss allowance to noncurrent loans | 88.1513% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 5,121 |
| Noncurrent loans to loans | 1.2830% | 4,817 |
| Net loans and leases to total assets | 69.3332% | 3,054 |
| Net loans and leases to deposits | 88.0031% | 2,164 |
| Net loans and leases to core deposits | 102.3638% | 1,793 |
| Total domestic deposits to total assets | 78.7849% | 6,088 |
| Equity capital to assets | 13.1916% | 1,478 |
| Core capital (leverage) ratio | 8.4379% | 5,518 |
| Tier 1 risk-based capital ratio | 11.4829% | 5,787 |
| Total risk-based capital ratio | 12.6176% | 5,870 |
| Memoranda: | ||
| Average total assets | $306,736,670 | 2,164 |
| Average earning assets | $273,882,670 | 2,206 |
| Average equity | $40,555,330 | 1,636 |
| Average total loans | $219,134,670 | 2,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 2,797 |
| Cost of funding earning assets | 1.6043% | 2,935 |
| Net interest margin | 3.8524% | 3,554 |
| Noninterest income to average assets | 0.6846% | 2,705 |
| Noninterest expense to average assets | 2.7123% | 4,846 |
| Loan and lease loss provision to assets | 0.2365% | 4,153 |
| Net operating income to assets | 0.8781% | 2,641 |
| Return on assets (ROA) | 0.8752% | 2,732 |
| Pretax return on assets | 1.1682% | 2,482 |
| Return on Equity (ROE) | 6.6117% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.9313% | 3,780 |
| Net charge-offs to loans | 0.8947% | 1,782 |
| Credit loss provision to net charge-offs | 36.6599% | 4,700 |
| Earnings coverage of net charge-offs (x) | 2.1833% | 3,445 |
| Efficiency ratio | 62.2130% | 5,795 |
| Assets per employee ($millions) | 5.3859% | 1,781 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 6,259 |
| Loan loss allowance to noncurrent loans | 75.3749% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 4,982 |
| Noncurrent loans to loans | 1.3863% | 4,653 |
| Net loans and leases to total assets | 71.0252% | 2,691 |
| Net loans and leases to deposits | 91.0625% | 1,748 |
| Net loans and leases to core deposits | 107.4022% | 1,466 |
| Total domestic deposits to total assets | 77.9961% | 6,317 |
| Equity capital to assets | 13.4399% | 1,350 |
| Core capital (leverage) ratio | 8.4971% | 5,381 |
| Tier 1 risk-based capital ratio | 11.4832% | 5,688 |
| Total risk-based capital ratio | 12.5339% | 5,836 |
| Memoranda: | ||
| Average total assets | $304,392,500 | 2,226 |
| Average earning assets | $271,518,000 | 2,273 |
| Average equity | $40,292,000 | 1,666 |
| Average total loans | $219,506,500 | 2,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 3,177 |
| Cost of funding earning assets | 1.9703% | 3,100 |
| Net interest margin | 3.7153% | 4,066 |
| Noninterest income to average assets | 0.7816% | 2,498 |
| Noninterest expense to average assets | 2.8134% | 4,917 |
| Loan and lease loss provision to assets | 0.2858% | 5,141 |
| Net operating income to assets | 0.7682% | 2,646 |
| Return on assets (ROA) | 0.8002% | 2,621 |
| Pretax return on assets | 1.0427% | 2,446 |
| Return on Equity (ROE) | 6.0765% | 3,179 |
| Retained earnings to average equity (ytd only) | 2.3324% | 3,487 |
| Net charge-offs to loans | 0.4488% | 3,987 |
| Credit loss provision to net charge-offs | 87.3727% | 6,084 |
| Earnings coverage of net charge-offs (x) | 3.9338% | 3,135 |
| Efficiency ratio | 64.9415% | 5,596 |
| Assets per employee ($millions) | 4.9544% | 2,274 |
| Cash dividends to net income (ytd only)* | 61.6153% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,608 |
| Loan loss allowance to noncurrent loans | 77.8753% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 4,793 |
| Noncurrent loans to loans | 1.4847% | 4,444 |
| Net loans and leases to total assets | 71.6071% | 2,857 |
| Net loans and leases to deposits | 92.3270% | 1,842 |
| Net loans and leases to core deposits | 130.5472% | 1,252 |
| Total domestic deposits to total assets | 77.5581% | 6,335 |
| Equity capital to assets | 13.0375% | 1,496 |
| Core capital (leverage) ratio | 8.3194% | 5,579 |
| Tier 1 risk-based capital ratio | 10.9905% | 5,918 |
| Total risk-based capital ratio | 12.1565% | 5,979 |
| Memoranda: | ||
| Average total assets | $300,168,800 | 2,216 |
| Average earning assets | $268,133,800 | 2,254 |
| Average equity | $39,529,400 | 1,702 |
| Average total loans | $218,783,400 | 2,113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 3,312 |
| Cost of funding earning assets | 2.0541% | 3,096 |
| Net interest margin | 3.6516% | 4,269 |
| Noninterest income to average assets | 0.7931% | 2,469 |
| Noninterest expense to average assets | 2.8291% | 4,765 |
| Loan and lease loss provision to assets | 0.3052% | 4,531 |
| Net operating income to assets | 0.7012% | 3,203 |
| Return on assets (ROA) | 0.7301% | 3,163 |
| Pretax return on assets | 0.9588% | 3,031 |
| Return on Equity (ROE) | 5.5295% | 3,720 |
| Retained earnings to average equity (ytd only) | 1.6108% | 4,412 |
| Net charge-offs to loans | 0.5245% | 3,115 |
| Credit loss provision to net charge-offs | 79.6966% | 5,773 |
| Earnings coverage of net charge-offs (x) | 3.2019% | 3,637 |
| Efficiency ratio | 66.0313% | 5,357 |
| Assets per employee ($millions) | 4.8093% | 2,385 |
| Cash dividends to net income (ytd only)* | 70.8690% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,422 |
| Loan loss allowance to noncurrent loans | 69.8118% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 4,519 |
| Noncurrent loans to loans | 1.6440% | 4,180 |
| Net loans and leases to total assets | 72.8768% | 2,827 |
| Net loans and leases to deposits | 95.1664% | 1,687 |
| Net loans and leases to core deposits | 138.3710% | 995 |
| Total domestic deposits to total assets | 76.5783% | 6,451 |
| Equity capital to assets | 13.4340% | 1,526 |
| Core capital (leverage) ratio | 8.4713% | 5,541 |
| Tier 1 risk-based capital ratio | 10.9254% | 6,020 |
| Total risk-based capital ratio | 12.0749% | 6,093 |
| Memoranda: | ||
| Average total assets | $298,417,250 | 2,234 |
| Average earning assets | $266,576,500 | 2,281 |
| Average equity | $39,399,750 | 1,728 |
| Average total loans | $217,846,250 | 2,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 3,642 |
| Cost of funding earning assets | 2.1372% | 3,102 |
| Net interest margin | 3.5465% | 4,590 |
| Noninterest income to average assets | 0.7799% | 2,521 |
| Noninterest expense to average assets | 2.8168% | 4,887 |
| Loan and lease loss provision to assets | 0.3672% | 3,726 |
| Net operating income to assets | 0.5951% | 3,697 |
| Return on assets (ROA) | 0.6312% | 3,656 |
| Pretax return on assets | 0.8121% | 3,632 |
| Return on Equity (ROE) | 4.8085% | 4,165 |
| Retained earnings to average equity (ytd only) | 0.5666% | 4,971 |
| Net charge-offs to loans | 0.6253% | 2,473 |
| Credit loss provision to net charge-offs | 80.7069% | 5,179 |
| Earnings coverage of net charge-offs (x) | 2.4904% | 3,820 |
| Efficiency ratio | 67.4809% | 5,260 |
| Assets per employee ($millions) | 4.7051% | 2,458 |
| Cash dividends to net income (ytd only)* | 88.2166% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,006 |
| Loan loss allowance to noncurrent loans | 80.8189% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 4,696 |
| Noncurrent loans to loans | 1.4749% | 4,281 |
| Net loans and leases to total assets | 71.7565% | 3,287 |
| Net loans and leases to deposits | 92.0488% | 2,466 |
| Net loans and leases to core deposits | 133.0772% | 1,365 |
| Total domestic deposits to total assets | 77.9549% | 6,086 |
| Equity capital to assets | 13.1786% | 1,622 |
| Core capital (leverage) ratio | 8.2922% | 5,812 |
| Tier 1 risk-based capital ratio | 10.8916% | 5,993 |
| Total risk-based capital ratio | 12.0808% | 5,983 |
| Memoranda: | ||
| Average total assets | $298,497,330 | 2,263 |
| Average earning assets | $266,799,330 | 2,298 |
| Average equity | $39,180,670 | 1,742 |
| Average total loans | $217,186,670 | 2,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 4,039 |
| Cost of funding earning assets | 2.2159% | 3,084 |
| Net interest margin | 3.4358% | 4,988 |
| Noninterest income to average assets | 0.8386% | 2,132 |
| Noninterest expense to average assets | 2.7429% | 4,816 |
| Loan and lease loss provision to assets | 0.1602% | 4,885 |
| Net operating income to assets | 0.7585% | 3,306 |
| Return on assets (ROA) | 0.7785% | 3,389 |
| Pretax return on assets | 1.0349% | 3,227 |
| Return on Equity (ROE) | 5.9431% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.0602% | 5,218 |
| Net charge-offs to loans | 0.9810% | 1,372 |
| Credit loss provision to net charge-offs | 22.4299% | 5,050 |
| Earnings coverage of net charge-offs (x) | 1.6355% | 3,915 |
| Efficiency ratio | 66.2684% | 5,278 |
| Assets per employee ($millions) | 4.6252% | 2,536 |
| Cash dividends to net income (ytd only)* | 82.1612% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,739 |
| Loan loss allowance to noncurrent loans | 54.2816% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 3,694 |
| Noncurrent loans to loans | 1.9562% | 3,328 |
| Net loans and leases to total assets | 71.8309% | 3,281 |
| Net loans and leases to deposits | 92.0826% | 2,588 |
| Net loans and leases to core deposits | 139.3825% | 1,132 |
| Total domestic deposits to total assets | 78.0070% | 6,015 |
| Equity capital to assets | 13.2812% | 1,627 |
| Core capital (leverage) ratio | 8.1840% | 6,137 |
| Tier 1 risk-based capital ratio | 10.8807% | 6,013 |
| Total risk-based capital ratio | 11.9428% | 6,105 |
| Memoranda: | ||
| Average total assets | $299,536,500 | 2,269 |
| Average earning assets | $267,885,000 | 2,310 |
| Average equity | $39,239,000 | 1,732 |
| Average total loans | $218,147,000 | 2,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 4,688 |
| Cost of funding earning assets | 2.8363% | 2,549 |
| Net interest margin | 3.3300% | 5,930 |
| Noninterest income to average assets | 0.7982% | 2,523 |
| Noninterest expense to average assets | 2.7814% | 4,903 |
| Loan and lease loss provision to assets | 0.2980% | 3,996 |
| Net operating income to assets | 0.5219% | 4,645 |
| Return on assets (ROA) | 0.5418% | 4,413 |
| Pretax return on assets | 0.6864% | 4,445 |
| Return on Equity (ROE) | 4.1824% | 4,747 |
| Retained earnings to average equity (ytd only) | 0.0646% | 5,198 |
| Net charge-offs to loans | 0.2295% | 3,948 |
| Credit loss provision to net charge-offs | 177.2908% | 2,855 |
| Earnings coverage of net charge-offs (x) | 5.7072% | 3,557 |
| Efficiency ratio | 70.3097% | 4,290 |
| Assets per employee ($millions) | 4.3922% | 2,808 |
| Cash dividends to net income (ytd only)* | 98.4549% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,394 |
| Loan loss allowance to noncurrent loans | 51.8953% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 2,749 |
| Noncurrent loans to loans | 2.3475% | 2,347 |
| Net loans and leases to total assets | 72.1594% | 3,547 |
| Net loans and leases to deposits | 94.8903% | 2,635 |
| Net loans and leases to core deposits | 139.3763% | 1,300 |
| Total domestic deposits to total assets | 76.0451% | 6,228 |
| Equity capital to assets | 12.9228% | 1,822 |
| Core capital (leverage) ratio | 8.0337% | 6,433 |
| Tier 1 risk-based capital ratio | 10.4555% | 6,252 |
| Total risk-based capital ratio | 11.6728% | 6,165 |
| Memoranda: | ||
| Average total assets | $298,660,400 | 2,209 |
| Average earning assets | $263,902,200 | 2,258 |
| Average equity | $38,686,000 | 1,746 |
| Average total loans | $218,694,600 | 2,140 |