Home > Mercantile Bank and Trust Company > Performance and Condition Ratios
Mercantile Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.2846% | 1,086 |
| Cost of funding earning assets | 0.7881% | 3,295 |
| Net interest margin | 4.4966% | 1,000 |
| Noninterest income to average assets | 0.2587% | 5,722 |
| Noninterest expense to average assets | 2.6496% | 4,608 |
| Loan and lease loss provision to assets | 0.1534% | 3,603 |
| Net operating income to assets | 1.0789% | 2,129 |
| Return on assets (ROA) | 1.0789% | 2,349 |
| Pretax return on assets | 1.7968% | 1,050 |
| Return on Equity (ROE) | 10.1308% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.3543% | 1,496 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6034% | 5,922 |
| Assets per employee ($millions) | 5.4991% | 1,621 |
| Cash dividends to net income (ytd only)* | 17.5355% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 94.0253% | 9 |
| Net loans and leases to deposits | 110.3450% | 141 |
| Net loans and leases to core deposits | 118.3606% | 340 |
| Total domestic deposits to total assets | 85.2103% | 3,764 |
| Equity capital to assets | 10.7370% | 3,411 |
| Core capital (leverage) ratio | 10.6968% | 2,600 |
| Tier 1 risk-based capital ratio | 12.4290% | 5,625 |
| Total risk-based capital ratio | 13.5020% | 5,732 |
| Memoranda: | ||
| Average total assets | $195,574,000 | 3,144 |
| Average earning assets | $188,811,000 | 3,011 |
| Average equity | $20,827,670 | 3,127 |
| Average total loans | $181,496,000 | 2,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 1,139 |
| Cost of funding earning assets | 0.8077% | 3,410 |
| Net interest margin | 4.4723% | 1,066 |
| Noninterest income to average assets | 0.2387% | 5,920 |
| Noninterest expense to average assets | 2.7719% | 4,152 |
| Loan and lease loss provision to assets | 0.1543% | 3,445 |
| Net operating income to assets | 0.9734% | 2,583 |
| Return on assets (ROA) | 0.9734% | 2,787 |
| Pretax return on assets | 1.6195% | 1,504 |
| Return on Equity (ROE) | 9.1785% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.8292% | 1,650 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9778% | 5,459 |
| Assets per employee ($millions) | 5.4679% | 1,719 |
| Cash dividends to net income (ytd only)* | 3.8055% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 92.5225% | 19 |
| Net loans and leases to deposits | 108.9852% | 149 |
| Net loans and leases to core deposits | 117.1781% | 356 |
| Total domestic deposits to total assets | 84.8946% | 4,087 |
| Equity capital to assets | 10.5876% | 3,387 |
| Core capital (leverage) ratio | 10.7304% | 2,518 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,744 |
| Total risk-based capital ratio | 13.3591% | 5,866 |
| Memoranda: | ||
| Average total assets | $194,376,500 | 3,177 |
| Average earning assets | $187,195,500 | 3,051 |
| Average equity | $20,613,500 | 3,153 |
| Average total loans | $178,256,000 | 2,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7001% | 782 |
| Cost of funding earning assets | 0.9226% | 3,938 |
| Net interest margin | 4.7776% | 656 |
| Noninterest income to average assets | 0.2766% | 5,553 |
| Noninterest expense to average assets | 2.8596% | 4,131 |
| Loan and lease loss provision to assets | 0.1679% | 4,541 |
| Net operating income to assets | 1.1012% | 1,830 |
| Return on assets (ROA) | 1.1141% | 1,902 |
| Pretax return on assets | 1.8670% | 713 |
| Return on Equity (ROE) | 10.5785% | 1,851 |
| Retained earnings to average equity (ytd only) | -3.2852% | 6,311 |
| Net charge-offs to loans | 0.1269% | 5,126 |
| Credit loss provision to net charge-offs | 143.5407% | 2,022 |
| Earnings coverage of net charge-offs (x) | 17.2201% | 1,284 |
| Efficiency ratio | 58.6654% | 5,953 |
| Assets per employee ($millions) | 5.4831% | 1,651 |
| Cash dividends to net income (ytd only)* | 131.0553% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 89.0740% | 58 |
| Net loans and leases to deposits | 105.6371% | 258 |
| Net loans and leases to core deposits | 113.5986% | 514 |
| Total domestic deposits to total assets | 84.3208% | 4,175 |
| Equity capital to assets | 10.6227% | 3,396 |
| Core capital (leverage) ratio | 10.6009% | 2,619 |
| Tier 1 risk-based capital ratio | 12.8697% | 5,181 |
| Total risk-based capital ratio | 13.9341% | 5,300 |
| Memoranda: | ||
| Average total assets | $178,626,800 | 3,356 |
| Average earning assets | $171,907,800 | 3,201 |
| Average equity | $18,811,800 | 3,308 |
| Average total loans | $164,665,400 | 2,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 725 |
| Cost of funding earning assets | 0.9398% | 4,114 |
| Net interest margin | 4.8406% | 576 |
| Noninterest income to average assets | 0.2844% | 5,574 |
| Noninterest expense to average assets | 2.8772% | 4,028 |
| Loan and lease loss provision to assets | 0.1597% | 4,465 |
| Net operating income to assets | 1.1423% | 1,832 |
| Return on assets (ROA) | 1.1598% | 1,891 |
| Pretax return on assets | 1.9326% | 723 |
| Return on Equity (ROE) | 11.0395% | 1,849 |
| Retained earnings to average equity (ytd only) | -7.6444% | 6,746 |
| Net charge-offs to loans | 0.1713% | 4,427 |
| Credit loss provision to net charge-offs | 100.4785% | 3,348 |
| Earnings coverage of net charge-offs (x) | 12.9904% | 1,654 |
| Efficiency ratio | 58.2179% | 5,973 |
| Assets per employee ($millions) | 5.3058% | 1,807 |
| Cash dividends to net income (ytd only)* | 169.2462% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 90.6092% | 35 |
| Net loans and leases to deposits | 107.7779% | 214 |
| Net loans and leases to core deposits | 119.5820% | 400 |
| Total domestic deposits to total assets | 84.0703% | 4,195 |
| Equity capital to assets | 10.7418% | 3,429 |
| Core capital (leverage) ratio | 10.8781% | 2,491 |
| Tier 1 risk-based capital ratio | 12.8218% | 5,230 |
| Total risk-based capital ratio | 13.8476% | 5,387 |
| Memoranda: | ||
| Average total assets | $175,306,000 | 3,426 |
| Average earning assets | $168,680,000 | 3,278 |
| Average equity | $18,418,250 | 3,374 |
| Average total loans | $162,674,750 | 2,474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8515% | 648 |
| Cost of funding earning assets | 0.9728% | 4,144 |
| Net interest margin | 4.8787% | 514 |
| Noninterest income to average assets | 0.2910% | 5,549 |
| Noninterest expense to average assets | 2.9365% | 3,875 |
| Loan and lease loss provision to assets | 0.1397% | 4,556 |
| Net operating income to assets | 1.1476% | 1,730 |
| Return on assets (ROA) | 1.1476% | 1,807 |
| Pretax return on assets | 1.9134% | 687 |
| Return on Equity (ROE) | 11.0116% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.9232% | 1,135 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8523% | 6,051 |
| Assets per employee ($millions) | 4.9676% | 2,173 |
| Cash dividends to net income (ytd only)* | 18.9655% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,194 |
| Loan loss allowance to noncurrent loans | 273.9617% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 6,255 |
| Noncurrent loans to loans | 0.3787% | 6,144 |
| Net loans and leases to total assets | 91.4820% | 28 |
| Net loans and leases to deposits | 108.3716% | 208 |
| Net loans and leases to core deposits | 120.6143% | 405 |
| Total domestic deposits to total assets | 84.4151% | 4,162 |
| Equity capital to assets | 10.2755% | 3,788 |
| Core capital (leverage) ratio | 10.3874% | 2,844 |
| Tier 1 risk-based capital ratio | 12.1247% | 5,689 |
| Total risk-based capital ratio | 13.2500% | 5,760 |
| Memoranda: | ||
| Average total assets | $171,840,000 | 3,501 |
| Average earning assets | $165,496,330 | 3,347 |
| Average equity | $17,908,330 | 3,432 |
| Average total loans | $160,279,330 | 2,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8904% | 608 |
| Cost of funding earning assets | 0.9719% | 4,408 |
| Net interest margin | 4.9185% | 440 |
| Noninterest income to average assets | 0.2875% | 5,622 |
| Noninterest expense to average assets | 2.9820% | 3,719 |
| Loan and lease loss provision to assets | 0.1426% | 4,228 |
| Net operating income to assets | 1.1405% | 1,699 |
| Return on assets (ROA) | 1.1405% | 1,745 |
| Pretax return on assets | 1.9009% | 680 |
| Return on Equity (ROE) | 10.8631% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.7357% | 1,480 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3381% | 6,077 |
| Assets per employee ($millions) | 4.7030% | 2,571 |
| Cash dividends to net income (ytd only)* | 19.5833% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,237 |
| Loan loss allowance to noncurrent loans | 264.3770% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,283 |
| Noncurrent loans to loans | 0.3954% | 6,205 |
| Net loans and leases to total assets | 92.5272% | 19 |
| Net loans and leases to deposits | 115.5169% | 121 |
| Net loans and leases to core deposits | 129.1391% | 277 |
| Total domestic deposits to total assets | 80.0984% | 5,923 |
| Equity capital to assets | 10.5417% | 3,137 |
| Core capital (leverage) ratio | 10.6787% | 2,450 |
| Tier 1 risk-based capital ratio | 12.4570% | 5,303 |
| Total risk-based capital ratio | 13.5982% | 5,391 |
| Memoranda: | ||
| Average total assets | $168,343,500 | 3,585 |
| Average earning assets | $162,163,000 | 3,419 |
| Average equity | $17,674,500 | 3,452 |
| Average total loans | $157,761,500 | 2,596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9181% | 1,002 |
| Cost of funding earning assets | 1.3041% | 3,860 |
| Net interest margin | 4.6140% | 983 |
| Noninterest income to average assets | 0.3178% | 5,517 |
| Noninterest expense to average assets | 2.9518% | 4,031 |
| Loan and lease loss provision to assets | 0.1439% | 5,745 |
| Net operating income to assets | 1.0020% | 2,039 |
| Return on assets (ROA) | 1.0223% | 2,070 |
| Pretax return on assets | 1.7172% | 908 |
| Return on Equity (ROE) | 10.0374% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.6355% | 1,105 |
| Net charge-offs to loans | 0.0930% | 5,919 |
| Credit loss provision to net charge-offs | 172.6619% | 1,954 |
| Earnings coverage of net charge-offs (x) | 21.9496% | 944 |
| Efficiency ratio | 61.7381% | 5,773 |
| Assets per employee ($millions) | 4.6494% | 2,623 |
| Cash dividends to net income (ytd only)* | 23.9296% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 92.9728% | 22 |
| Net loans and leases to deposits | 111.2591% | 211 |
| Net loans and leases to core deposits | 124.3444% | 421 |
| Total domestic deposits to total assets | 83.5642% | 4,575 |
| Equity capital to assets | 10.4559% | 3,204 |
| Core capital (leverage) ratio | 10.4230% | 2,642 |
| Tier 1 risk-based capital ratio | 12.3126% | 5,194 |
| Total risk-based capital ratio | 13.4234% | 5,293 |
| Memoranda: | ||
| Average total assets | $166,781,400 | 3,595 |
| Average earning assets | $161,336,400 | 3,424 |
| Average equity | $16,986,400 | 3,592 |
| Average total loans | $149,442,400 | 2,781 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 1,161 |
| Cost of funding earning assets | 1.3560% | 3,859 |
| Net interest margin | 4.5319% | 1,184 |
| Noninterest income to average assets | 0.3233% | 5,572 |
| Noninterest expense to average assets | 2.9461% | 3,932 |
| Loan and lease loss provision to assets | 0.1440% | 5,592 |
| Net operating income to assets | 0.9642% | 2,358 |
| Return on assets (ROA) | 0.9914% | 2,381 |
| Pretax return on assets | 1.6611% | 1,184 |
| Return on Equity (ROE) | 9.7994% | 2,206 |
| Retained earnings to average equity (ytd only) | 7.3239% | 1,689 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5658% | 5,510 |
| Assets per employee ($millions) | 4.8029% | 2,443 |
| Cash dividends to net income (ytd only)* | 25.2621% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 89.4474% | 70 |
| Net loans and leases to deposits | 108.2084% | 295 |
| Net loans and leases to core deposits | 119.8812% | 615 |
| Total domestic deposits to total assets | 82.6621% | 4,732 |
| Equity capital to assets | 10.3254% | 3,731 |
| Core capital (leverage) ratio | 10.4468% | 2,745 |
| Tier 1 risk-based capital ratio | 12.3826% | 5,091 |
| Total risk-based capital ratio | 13.5802% | 5,120 |
| Memoranda: | ||
| Average total assets | $166,632,000 | 3,642 |
| Average earning assets | $161,252,750 | 3,475 |
| Average equity | $16,857,750 | 3,664 |
| Average total loans | $147,500,000 | 2,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8552% | 1,293 |
| Cost of funding earning assets | 1.4049% | 3,848 |
| Net interest margin | 4.4503% | 1,318 |
| Noninterest income to average assets | 0.3178% | 5,613 |
| Noninterest expense to average assets | 2.9312% | 3,959 |
| Loan and lease loss provision to assets | 0.1445% | 5,452 |
| Net operating income to assets | 0.9174% | 2,484 |
| Return on assets (ROA) | 0.9582% | 2,423 |
| Pretax return on assets | 1.6034% | 1,294 |
| Return on Equity (ROE) | 9.5379% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.9737% | 1,843 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5107% | 5,432 |
| Assets per employee ($millions) | 4.7623% | 2,492 |
| Cash dividends to net income (ytd only)* | 26.8844% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 6,029 |
| Loan loss allowance to noncurrent loans | 334.1615% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,688 |
| Noncurrent loans to loans | 0.3238% | 6,579 |
| Net loans and leases to total assets | 88.5159% | 108 |
| Net loans and leases to deposits | 106.8070% | 359 |
| Net loans and leases to core deposits | 118.6022% | 747 |
| Total domestic deposits to total assets | 82.8746% | 4,622 |
| Equity capital to assets | 10.1775% | 3,803 |
| Core capital (leverage) ratio | 10.2139% | 2,924 |
| Tier 1 risk-based capital ratio | 12.2436% | 5,082 |
| Total risk-based capital ratio | 13.4085% | 5,145 |
| Memoranda: | ||
| Average total assets | $166,142,670 | 3,672 |
| Average earning assets | $160,438,000 | 3,507 |
| Average equity | $16,691,330 | 3,686 |
| Average total loans | $145,988,330 | 2,902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 1,499 |
| Cost of funding earning assets | 1.4284% | 4,002 |
| Net interest margin | 4.3600% | 1,506 |
| Noninterest income to average assets | 0.2966% | 5,774 |
| Noninterest expense to average assets | 2.9492% | 3,859 |
| Loan and lease loss provision to assets | 0.1447% | 5,107 |
| Net operating income to assets | 0.8442% | 2,776 |
| Return on assets (ROA) | 0.9260% | 2,512 |
| Pretax return on assets | 1.5409% | 1,418 |
| Return on Equity (ROE) | 9.2782% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.3787% | 2,426 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4361% | 5,231 |
| Assets per employee ($millions) | 4.7555% | 2,563 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 6,175 |
| Loan loss allowance to noncurrent loans | 319.0965% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,748 |
| Noncurrent loans to loans | 0.3328% | 6,628 |
| Net loans and leases to total assets | 86.9823% | 167 |
| Net loans and leases to deposits | 105.4358% | 454 |
| Net loans and leases to core deposits | 117.3358% | 894 |
| Total domestic deposits to total assets | 82.4979% | 4,855 |
| Equity capital to assets | 10.0010% | 3,876 |
| Core capital (leverage) ratio | 10.1180% | 3,026 |
| Tier 1 risk-based capital ratio | 12.0023% | 5,193 |
| Total risk-based capital ratio | 13.1228% | 5,272 |
| Memoranda: | ||
| Average total assets | $165,873,000 | 3,733 |
| Average earning assets | $160,182,500 | 3,563 |
| Average equity | $16,555,000 | 3,743 |
| Average total loans | $144,405,500 | 2,992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 2,085 |
| Cost of funding earning assets | 1.8965% | 3,481 |
| Net interest margin | 4.0445% | 2,671 |
| Noninterest income to average assets | 0.2941% | 6,012 |
| Noninterest expense to average assets | 2.8718% | 4,650 |
| Loan and lease loss provision to assets | 0.1150% | 6,497 |
| Net operating income to assets | 0.7616% | 2,671 |
| Return on assets (ROA) | 0.7616% | 2,766 |
| Pretax return on assets | 1.1869% | 1,991 |
| Return on Equity (ROE) | 7.9895% | 2,378 |
| Retained earnings to average equity (ytd only) | 5.1198% | 1,755 |
| Net charge-offs to loans | 0.0518% | 6,578 |
| Credit loss provision to net charge-offs | 268.1159% | 1,301 |
| Earnings coverage of net charge-offs (x) | 30.3478% | 753 |
| Efficiency ratio | 68.8068% | 4,859 |
| Assets per employee ($millions) | 4.7229% | 2,586 |
| Cash dividends to net income (ytd only)* | 35.9184% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 6,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 85.2900% | 322 |
| Net loans and leases to deposits | 104.1294% | 641 |
| Net loans and leases to core deposits | 134.6671% | 1,017 |
| Total domestic deposits to total assets | 81.9078% | 4,991 |
| Equity capital to assets | 9.9599% | 3,811 |
| Core capital (leverage) ratio | 9.6106% | 3,582 |
| Tier 1 risk-based capital ratio | 12.0854% | 4,868 |
| Total risk-based capital ratio | 13.1876% | 4,947 |
| Memoranda: | ||
| Average total assets | $160,841,800 | 3,753 |
| Average earning assets | $154,284,200 | 3,631 |
| Average equity | $15,332,600 | 4,008 |
| Average total loans | $133,184,000 | 3,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 2,484 |
| Cost of funding earning assets | 1.9818% | 3,461 |
| Net interest margin | 3.9105% | 3,199 |
| Noninterest income to average assets | 0.2947% | 6,122 |
| Noninterest expense to average assets | 2.8640% | 4,596 |
| Loan and lease loss provision to assets | 0.0751% | 6,607 |
| Net operating income to assets | 0.7062% | 3,186 |
| Return on assets (ROA) | 0.7062% | 3,247 |
| Pretax return on assets | 1.1010% | 2,564 |
| Return on Equity (ROE) | 7.4949% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.6688% | 2,672 |
| Net charge-offs to loans | 0.0010% | 6,982 |
| Credit loss provision to net charge-offs | 9,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,412.4962% | 12 |
| Efficiency ratio | 70.8884% | 4,444 |
| Assets per employee ($millions) | 4.9174% | 2,249 |
| Cash dividends to net income (ytd only)* | 37.7067% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.3556% | 1,116 |
| Net loans and leases to deposits | 99.2893% | 1,179 |
| Net loans and leases to core deposits | 128.4063% | 1,544 |
| Total domestic deposits to total assets | 80.9308% | 5,104 |
| Equity capital to assets | 9.4184% | 4,861 |
| Core capital (leverage) ratio | 9.7627% | 3,557 |
| Tier 1 risk-based capital ratio | 12.0621% | 4,916 |
| Total risk-based capital ratio | 13.1595% | 4,993 |
| Memoranda: | ||
| Average total assets | $159,726,500 | 3,797 |
| Average earning assets | $152,984,500 | 3,671 |
| Average equity | $15,049,750 | 4,086 |
| Average total loans | $130,859,750 | 3,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9822% | 2,258 |
| Cost of funding earning assets | 2.1158% | 3,198 |
| Net interest margin | 3.8664% | 3,266 |
| Noninterest income to average assets | 0.2982% | 6,128 |
| Noninterest expense to average assets | 2.9152% | 4,450 |
| Loan and lease loss provision to assets | 0.0771% | 6,418 |
| Net operating income to assets | 0.6671% | 3,402 |
| Return on assets (ROA) | 0.6671% | 3,508 |
| Pretax return on assets | 0.9936% | 3,037 |
| Return on Equity (ROE) | 7.0790% | 3,169 |
| Retained earnings to average equity (ytd only) | 5.1149% | 2,448 |
| Net charge-offs to loans | 0.0063% | 6,515 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 208.2500% | 202 |
| Efficiency ratio | 73.1377% | 4,169 |
| Assets per employee ($millions) | 4.8966% | 2,200 |
| Cash dividends to net income (ytd only)* | 27.7457% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 5,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.3520% | 1,080 |
| Net loans and leases to deposits | 99.3365% | 1,351 |
| Net loans and leases to core deposits | 129.4524% | 1,617 |
| Total domestic deposits to total assets | 81.8953% | 4,730 |
| Equity capital to assets | 9.9092% | 4,069 |
| Core capital (leverage) ratio | 10.1894% | 3,108 |
| Tier 1 risk-based capital ratio | 12.6570% | 4,388 |
| Total risk-based capital ratio | 13.7934% | 4,411 |
| Memoranda: | ||
| Average total assets | $155,598,670 | 3,914 |
| Average earning assets | $148,406,000 | 3,776 |
| Average equity | $14,663,000 | 4,170 |
| Average total loans | $127,890,670 | 3,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0607% | 2,104 |
| Cost of funding earning assets | 2.2247% | 3,038 |
| Net interest margin | 3.8360% | 3,311 |
| Noninterest income to average assets | 0.2909% | 6,109 |
| Noninterest expense to average assets | 3.0353% | 3,607 |
| Loan and lease loss provision to assets | 0.0786% | 5,966 |
| Net operating income to assets | 0.6291% | 3,890 |
| Return on assets (ROA) | 0.6291% | 4,071 |
| Pretax return on assets | 0.8152% | 4,022 |
| Return on Equity (ROE) | 6.8628% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.4044% | 2,901 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2515% | 3,292 |
| Assets per employee ($millions) | 4.6355% | 2,524 |
| Cash dividends to net income (ytd only)* | 21.2500% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,514 |
| Loan loss allowance to noncurrent loans | 2,011.4286% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 7,470 |
| Noncurrent loans to loans | 0.0544% | 7,383 |
| Net loans and leases to total assets | 83.1657% | 828 |
| Net loans and leases to deposits | 102.6539% | 1,121 |
| Net loans and leases to core deposits | 137.3595% | 1,229 |
| Total domestic deposits to total assets | 81.0156% | 4,960 |
| Equity capital to assets | 10.3672% | 3,595 |
| Core capital (leverage) ratio | 10.4978% | 2,928 |
| Tier 1 risk-based capital ratio | 12.9521% | 4,212 |
| Total risk-based capital ratio | 14.1073% | 4,206 |
| Memoranda: | ||
| Average total assets | $152,604,000 | 3,967 |
| Average earning assets | $144,735,500 | 3,863 |
| Average equity | $13,988,500 | 4,338 |
| Average total loans | $125,391,500 | 3,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5188% | 2,870 |
| Cost of funding earning assets | 2.9134% | 2,205 |
| Net interest margin | 3.6054% | 4,862 |
| Noninterest income to average assets | 0.3767% | 5,678 |
| Noninterest expense to average assets | 3.0310% | 3,969 |
| Loan and lease loss provision to assets | 0.0845% | 6,330 |
| Net operating income to assets | 0.4337% | 5,019 |
| Return on assets (ROA) | 0.4337% | 4,842 |
| Pretax return on assets | 0.6949% | 4,413 |
| Return on Equity (ROE) | 5.8970% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.2556% | 1,882 |
| Net charge-offs to loans | 0.0352% | 6,312 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 26.3571% | 1,292 |
| Efficiency ratio | 79.5455% | 2,662 |
| Assets per employee ($millions) | 4.7573% | 2,225 |
| Cash dividends to net income (ytd only)* | 10.8766% | 4,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,078 |
| Loan loss allowance to noncurrent loans | 1,862.1622% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,388 |
| Noncurrent loans to loans | 0.0606% | 7,262 |
| Net loans and leases to total assets | 79.3352% | 1,812 |
| Net loans and leases to deposits | 95.1359% | 2,591 |
| Net loans and leases to core deposits | 132.0996% | 1,715 |
| Total domestic deposits to total assets | 83.3915% | 3,618 |
| Equity capital to assets | 7.9601% | 6,897 |
| Core capital (leverage) ratio | 8.3493% | 5,853 |
| Tier 1 risk-based capital ratio | 10.3459% | 6,371 |
| Total risk-based capital ratio | 11.5257% | 6,316 |
| Memoranda: | ||
| Average total assets | $142,033,800 | 4,046 |
| Average earning assets | $135,270,600 | 3,946 |
| Average equity | $10,446,000 | 5,282 |
| Average total loans | $119,274,400 | 3,482 |