Home > Merchants and Farmers Bank > Performance and Condition Ratios
Merchants and Farmers Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 3,657 |
| Cost of funding earning assets | 0.5177% | 3,729 |
| Net interest margin | 3.6031% | 3,344 |
| Noninterest income to average assets | 0.8506% | 1,998 |
| Noninterest expense to average assets | 3.0952% | 2,669 |
| Loan and lease loss provision to assets | 0.3429% | 981 |
| Net operating income to assets | 0.4991% | 4,805 |
| Return on assets (ROA) | 0.4360% | 5,240 |
| Pretax return on assets | 0.5758% | 5,111 |
| Return on Equity (ROE) | 5.1275% | 4,656 |
| Retained earnings to average equity (ytd only) | -52.4682% | 6,903 |
| Net charge-offs to loans | 0.1456% | 2,940 |
| Credit loss provision to net charge-offs | 368.9320% | 701 |
| Earnings coverage of net charge-offs (x) | 10.7781% | 2,126 |
| Efficiency ratio | 74.8812% | 2,965 |
| Assets per employee ($millions) | 3.6793% | 4,444 |
| Cash dividends to net income (ytd only)* | 1,123.2634% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 1,837 |
| Loan loss allowance to noncurrent loans | 312.2951% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 1.7553% | 2,482 |
| Noncurrent loans to loans | 0.6417% | 4,658 |
| Net loans and leases to total assets | 62.5317% | 3,193 |
| Net loans and leases to deposits | 69.4997% | 3,789 |
| Net loans and leases to core deposits | 72.6182% | 3,971 |
| Total domestic deposits to total assets | 89.9741% | 1,036 |
| Equity capital to assets | 6.8919% | 6,621 |
| Core capital (leverage) ratio | 6.8094% | 6,656 |
| Tier 1 risk-based capital ratio | 9.7169% | 6,689 |
| Total risk-based capital ratio | 10.9739% | 6,670 |
| Memoranda: | ||
| Average total assets | $1,551,686,330 | 443 |
| Average earning assets | $1,398,028,670 | 438 |
| Average equity | $131,954,330 | 552 |
| Average total loans | $990,448,000 | 430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,847 |
| Cost of funding earning assets | 0.5268% | 3,821 |
| Net interest margin | 3.5426% | 3,507 |
| Noninterest income to average assets | 1.3449% | 848 |
| Noninterest expense to average assets | 3.1712% | 2,451 |
| Loan and lease loss provision to assets | 0.3266% | 1,031 |
| Net operating income to assets | 0.7261% | 3,560 |
| Return on assets (ROA) | 0.7289% | 3,681 |
| Pretax return on assets | 1.0491% | 3,152 |
| Return on Equity (ROE) | 7.8506% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.8506% | 1,803 |
| Net charge-offs to loans | 0.2010% | 2,213 |
| Credit loss provision to net charge-offs | 254.4732% | 913 |
| Earnings coverage of net charge-offs (x) | 10.6879% | 1,718 |
| Efficiency ratio | 69.2109% | 4,111 |
| Assets per employee ($millions) | 3.4969% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,559 |
| Loan loss allowance to noncurrent loans | 242.1339% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1410% | 2,194 |
| Noncurrent loans to loans | 0.7506% | 4,627 |
| Net loans and leases to total assets | 64.0005% | 2,707 |
| Net loans and leases to deposits | 72.8696% | 3,072 |
| Net loans and leases to core deposits | 76.5167% | 3,256 |
| Total domestic deposits to total assets | 87.8288% | 2,433 |
| Equity capital to assets | 9.5296% | 4,808 |
| Core capital (leverage) ratio | 9.0899% | 4,738 |
| Tier 1 risk-based capital ratio | 12.1450% | 5,824 |
| Total risk-based capital ratio | 13.3989% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,567,758,000 | 442 |
| Average earning assets | $1,415,242,000 | 442 |
| Average equity | $145,568,500 | 515 |
| Average total loans | $1,000,858,500 | 427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 3,497 |
| Cost of funding earning assets | 0.7277% | 3,272 |
| Net interest margin | 3.7490% | 3,445 |
| Noninterest income to average assets | 1.1534% | 1,175 |
| Noninterest expense to average assets | 3.3000% | 2,332 |
| Loan and lease loss provision to assets | 0.5425% | 1,059 |
| Net operating income to assets | 0.4843% | 4,748 |
| Return on assets (ROA) | 0.5089% | 4,912 |
| Pretax return on assets | 0.6997% | 4,666 |
| Return on Equity (ROE) | 5.6683% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.4767% | 4,487 |
| Net charge-offs to loans | 0.5930% | 1,953 |
| Credit loss provision to net charge-offs | 142.4511% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.1737% | 3,847 |
| Efficiency ratio | 72.5904% | 3,307 |
| Assets per employee ($millions) | 3.4943% | 5,019 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 2,739 |
| Loan loss allowance to noncurrent loans | 225.2672% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1669% | 2,267 |
| Noncurrent loans to loans | 0.7792% | 4,624 |
| Net loans and leases to total assets | 61.4406% | 3,347 |
| Net loans and leases to deposits | 69.6803% | 3,754 |
| Net loans and leases to core deposits | 73.3269% | 3,874 |
| Total domestic deposits to total assets | 88.1750% | 2,115 |
| Equity capital to assets | 9.0485% | 5,469 |
| Core capital (leverage) ratio | 8.8259% | 5,139 |
| Tier 1 risk-based capital ratio | 11.8923% | 5,849 |
| Total risk-based capital ratio | 13.1454% | 5,806 |
| Memoranda: | ||
| Average total assets | $1,570,585,000 | 431 |
| Average earning assets | $1,405,619,400 | 433 |
| Average equity | $140,994,000 | 518 |
| Average total loans | $1,008,568,200 | 420 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 3,438 |
| Cost of funding earning assets | 0.7630% | 3,248 |
| Net interest margin | 3.7838% | 3,409 |
| Noninterest income to average assets | 1.1552% | 1,144 |
| Noninterest expense to average assets | 3.3390% | 2,163 |
| Loan and lease loss provision to assets | 0.5572% | 1,033 |
| Net operating income to assets | 0.4695% | 4,958 |
| Return on assets (ROA) | 0.5029% | 5,097 |
| Pretax return on assets | 0.6895% | 4,897 |
| Return on Equity (ROE) | 5.6129% | 4,526 |
| Retained earnings to average equity (ytd only) | 1.3333% | 5,639 |
| Net charge-offs to loans | 0.6375% | 1,726 |
| Credit loss provision to net charge-offs | 135.2078% | 2,133 |
| Earnings coverage of net charge-offs (x) | 2.9144% | 3,866 |
| Efficiency ratio | 72.9446% | 3,154 |
| Assets per employee ($millions) | 3.3156% | 5,406 |
| Cash dividends to net income (ytd only)* | 76.2453% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 3,341 |
| Loan loss allowance to noncurrent loans | 251.3354% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 2.2869% | 2,328 |
| Noncurrent loans to loans | 0.6556% | 5,136 |
| Net loans and leases to total assets | 64.3472% | 2,963 |
| Net loans and leases to deposits | 73.6378% | 3,354 |
| Net loans and leases to core deposits | 77.7408% | 3,494 |
| Total domestic deposits to total assets | 87.3834% | 2,439 |
| Equity capital to assets | 9.2131% | 5,580 |
| Core capital (leverage) ratio | 8.6740% | 5,513 |
| Tier 1 risk-based capital ratio | 11.3044% | 6,357 |
| Total risk-based capital ratio | 12.5565% | 6,316 |
| Memoranda: | ||
| Average total assets | $1,564,880,750 | 432 |
| Average earning assets | $1,399,930,250 | 434 |
| Average equity | $140,197,750 | 516 |
| Average total loans | $1,011,588,500 | 418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 3,460 |
| Cost of funding earning assets | 0.7953% | 3,224 |
| Net interest margin | 3.7793% | 3,458 |
| Noninterest income to average assets | 1.1071% | 1,168 |
| Noninterest expense to average assets | 3.3113% | 2,279 |
| Loan and lease loss provision to assets | 0.5803% | 1,044 |
| Net operating income to assets | 0.4351% | 5,095 |
| Return on assets (ROA) | 0.4897% | 5,116 |
| Pretax return on assets | 0.6668% | 4,922 |
| Return on Equity (ROE) | 5.5176% | 4,574 |
| Retained earnings to average equity (ytd only) | 3.7253% | 4,118 |
| Net charge-offs to loans | 0.8308% | 1,334 |
| Credit loss provision to net charge-offs | 108.4939% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.1915% | 3,889 |
| Efficiency ratio | 73.2493% | 3,204 |
| Assets per employee ($millions) | 3.3200% | 5,400 |
| Cash dividends to net income (ytd only)* | 32.4844% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,904 |
| Loan loss allowance to noncurrent loans | 191.8546% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 2,183 |
| Noncurrent loans to loans | 0.7941% | 4,926 |
| Net loans and leases to total assets | 63.6884% | 3,109 |
| Net loans and leases to deposits | 72.6482% | 3,508 |
| Net loans and leases to core deposits | 76.5634% | 3,708 |
| Total domestic deposits to total assets | 87.6669% | 2,356 |
| Equity capital to assets | 9.1281% | 5,551 |
| Core capital (leverage) ratio | 8.4445% | 5,721 |
| Tier 1 risk-based capital ratio | 11.2318% | 6,379 |
| Total risk-based capital ratio | 12.4824% | 6,357 |
| Memoranda: | ||
| Average total assets | $1,571,479,670 | 431 |
| Average earning assets | $1,403,977,330 | 436 |
| Average equity | $139,480,330 | 514 |
| Average total loans | $1,011,826,330 | 418 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 3,522 |
| Cost of funding earning assets | 0.8336% | 3,197 |
| Net interest margin | 3.7622% | 3,552 |
| Noninterest income to average assets | 0.9282% | 1,636 |
| Noninterest expense to average assets | 3.2340% | 2,494 |
| Loan and lease loss provision to assets | 0.5771% | 1,001 |
| Net operating income to assets | 0.3525% | 5,466 |
| Return on assets (ROA) | 0.4632% | 5,181 |
| Pretax return on assets | 0.6239% | 5,032 |
| Return on Equity (ROE) | 5.2927% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.8466% | 4,280 |
| Net charge-offs to loans | 0.4527% | 1,960 |
| Credit loss provision to net charge-offs | 198.4334% | 1,353 |
| Earnings coverage of net charge-offs (x) | 3.6153% | 2,791 |
| Efficiency ratio | 74.8391% | 2,967 |
| Assets per employee ($millions) | 3.4768% | 5,173 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,739 |
| Loan loss allowance to noncurrent loans | 108.3025% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 3.1389% | 1,848 |
| Noncurrent loans to loans | 1.4731% | 3,911 |
| Net loans and leases to total assets | 62.0315% | 3,249 |
| Net loans and leases to deposits | 70.3190% | 3,685 |
| Net loans and leases to core deposits | 73.8747% | 3,916 |
| Total domestic deposits to total assets | 88.2144% | 2,179 |
| Equity capital to assets | 8.6998% | 5,872 |
| Core capital (leverage) ratio | 8.0828% | 6,178 |
| Tier 1 risk-based capital ratio | 11.0636% | 6,509 |
| Total risk-based capital ratio | 12.3152% | 6,491 |
| Memoranda: | ||
| Average total assets | $1,580,330,500 | 428 |
| Average earning assets | $1,410,244,000 | 433 |
| Average equity | $138,305,000 | 517 |
| Average total loans | $1,015,296,000 | 415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 3,644 |
| Cost of funding earning assets | 1.0823% | 2,792 |
| Net interest margin | 3.7539% | 4,060 |
| Noninterest income to average assets | 0.8696% | 1,772 |
| Noninterest expense to average assets | 3.3032% | 2,514 |
| Loan and lease loss provision to assets | 0.6105% | 1,694 |
| Net operating income to assets | 0.2350% | 5,481 |
| Return on assets (ROA) | 0.3384% | 5,268 |
| Pretax return on assets | 0.4393% | 5,173 |
| Return on Equity (ROE) | 3.9482% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.0063% | 4,791 |
| Net charge-offs to loans | 1.0346% | 1,682 |
| Credit loss provision to net charge-offs | 90.0584% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.3505% | 4,756 |
| Efficiency ratio | 77.6638% | 2,639 |
| Assets per employee ($millions) | 3.3942% | 5,263 |
| Cash dividends to net income (ytd only)* | 49.1834% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,184 |
| Loan loss allowance to noncurrent loans | 84.1048% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 3.5498% | 1,666 |
| Noncurrent loans to loans | 1.7389% | 3,553 |
| Net loans and leases to total assets | 64.5262% | 3,075 |
| Net loans and leases to deposits | 73.4066% | 3,595 |
| Net loans and leases to core deposits | 77.4571% | 3,753 |
| Total domestic deposits to total assets | 87.9024% | 2,221 |
| Equity capital to assets | 8.8047% | 5,789 |
| Core capital (leverage) ratio | 8.1693% | 6,043 |
| Tier 1 risk-based capital ratio | 10.8329% | 6,541 |
| Total risk-based capital ratio | 12.0833% | 6,522 |
| Memoranda: | ||
| Average total assets | $1,592,159,600 | 417 |
| Average earning assets | $1,420,478,000 | 420 |
| Average equity | $136,468,800 | 509 |
| Average total loans | $1,043,200,400 | 406 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 3,600 |
| Cost of funding earning assets | 1.1237% | 2,809 |
| Net interest margin | 3.7678% | 4,023 |
| Noninterest income to average assets | 0.8367% | 1,894 |
| Noninterest expense to average assets | 3.2571% | 2,642 |
| Loan and lease loss provision to assets | 0.6200% | 1,587 |
| Net operating income to assets | 0.2469% | 5,579 |
| Return on assets (ROA) | 0.3476% | 5,395 |
| Pretax return on assets | 0.4540% | 5,307 |
| Return on Equity (ROE) | 4.0826% | 4,959 |
| Retained earnings to average equity (ytd only) | 1.9781% | 5,148 |
| Net charge-offs to loans | 0.9354% | 1,720 |
| Credit loss provision to net charge-offs | 101.1557% | 3,316 |
| Earnings coverage of net charge-offs (x) | 1.5390% | 4,485 |
| Efficiency ratio | 76.9077% | 2,691 |
| Assets per employee ($millions) | 3.1034% | 5,890 |
| Cash dividends to net income (ytd only)* | 51.5465% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,804 |
| Loan loss allowance to noncurrent loans | 59.9501% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.8129% | 1,626 |
| Noncurrent loans to loans | 2.6177% | 2,652 |
| Net loans and leases to total assets | 63.9726% | 3,310 |
| Net loans and leases to deposits | 72.9629% | 3,815 |
| Net loans and leases to core deposits | 77.2616% | 4,009 |
| Total domestic deposits to total assets | 87.6783% | 2,250 |
| Equity capital to assets | 8.7748% | 6,003 |
| Core capital (leverage) ratio | 8.0001% | 6,397 |
| Tier 1 risk-based capital ratio | 10.8052% | 6,658 |
| Total risk-based capital ratio | 12.0568% | 6,639 |
| Memoranda: | ||
| Average total assets | $1,599,869,500 | 417 |
| Average earning assets | $1,428,283,250 | 417 |
| Average equity | $136,218,500 | 517 |
| Average total loans | $1,048,397,250 | 408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 3,631 |
| Cost of funding earning assets | 1.1631% | 2,826 |
| Net interest margin | 3.7348% | 4,101 |
| Noninterest income to average assets | 0.7424% | 2,304 |
| Noninterest expense to average assets | 3.2183% | 2,835 |
| Loan and lease loss provision to assets | 0.6050% | 1,594 |
| Net operating income to assets | 0.1997% | 5,739 |
| Return on assets (ROA) | 0.3268% | 5,399 |
| Pretax return on assets | 0.4201% | 5,334 |
| Return on Equity (ROE) | 3.8768% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.1784% | 4,901 |
| Net charge-offs to loans | 0.3941% | 2,979 |
| Credit loss provision to net charge-offs | 233.6538% | 1,287 |
| Earnings coverage of net charge-offs (x) | 3.3298% | 3,209 |
| Efficiency ratio | 78.2208% | 2,676 |
| Assets per employee ($millions) | 3.1727% | 5,693 |
| Cash dividends to net income (ytd only)* | 43.8095% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 3,008 |
| Loan loss allowance to noncurrent loans | 55.9939% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 4.0200% | 1,589 |
| Noncurrent loans to loans | 3.2085% | 2,235 |
| Net loans and leases to total assets | 63.5259% | 3,576 |
| Net loans and leases to deposits | 72.0451% | 4,105 |
| Net loans and leases to core deposits | 76.3148% | 4,270 |
| Total domestic deposits to total assets | 88.1751% | 2,028 |
| Equity capital to assets | 8.4834% | 6,206 |
| Core capital (leverage) ratio | 7.8316% | 6,480 |
| Tier 1 risk-based capital ratio | 10.5068% | 6,788 |
| Total risk-based capital ratio | 11.7610% | 6,779 |
| Memoranda: | ||
| Average total assets | $1,606,616,000 | 419 |
| Average earning assets | $1,435,945,330 | 423 |
| Average equity | $135,421,670 | 517 |
| Average total loans | $1,055,649,000 | 413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 3,514 |
| Cost of funding earning assets | 1.2182% | 2,696 |
| Net interest margin | 3.6964% | 4,131 |
| Noninterest income to average assets | 0.6651% | 2,755 |
| Noninterest expense to average assets | 3.1800% | 2,963 |
| Loan and lease loss provision to assets | 0.6446% | 1,338 |
| Net operating income to assets | 0.1151% | 6,054 |
| Return on assets (ROA) | 0.3256% | 5,366 |
| Pretax return on assets | 0.4053% | 5,325 |
| Return on Equity (ROE) | 3.8752% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.8752% | 3,844 |
| Net charge-offs to loans | 0.5894% | 2,020 |
| Credit loss provision to net charge-offs | 165.1729% | 1,757 |
| Earnings coverage of net charge-offs (x) | 2.0160% | 3,295 |
| Efficiency ratio | 79.4911% | 2,621 |
| Assets per employee ($millions) | 3.2770% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 3,663 |
| Loan loss allowance to noncurrent loans | 45.1530% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 4.2539% | 1,541 |
| Noncurrent loans to loans | 3.5816% | 2,077 |
| Net loans and leases to total assets | 64.7002% | 3,306 |
| Net loans and leases to deposits | 73.9447% | 3,765 |
| Net loans and leases to core deposits | 78.3900% | 3,969 |
| Total domestic deposits to total assets | 87.4982% | 2,659 |
| Equity capital to assets | 8.4275% | 6,020 |
| Core capital (leverage) ratio | 7.5266% | 6,710 |
| Tier 1 risk-based capital ratio | 10.2106% | 6,926 |
| Total risk-based capital ratio | 11.4630% | 6,924 |
| Memoranda: | ||
| Average total assets | $1,600,878,000 | 427 |
| Average earning assets | $1,429,923,000 | 426 |
| Average equity | $134,497,500 | 516 |
| Average total loans | $1,060,117,500 | 413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 4,321 |
| Cost of funding earning assets | 1.5364% | 2,433 |
| Net interest margin | 3.5126% | 5,198 |
| Noninterest income to average assets | 1.0834% | 1,275 |
| Noninterest expense to average assets | 3.3163% | 2,682 |
| Loan and lease loss provision to assets | 0.5768% | 2,822 |
| Net operating income to assets | 0.2471% | 5,117 |
| Return on assets (ROA) | 0.3388% | 4,952 |
| Pretax return on assets | 0.4281% | 4,858 |
| Return on Equity (ROE) | 4.0470% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.4028% | 4,193 |
| Net charge-offs to loans | 1.6298% | 1,327 |
| Credit loss provision to net charge-offs | 53.5766% | 6,205 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 5,305 |
| Efficiency ratio | 78.2251% | 2,668 |
| Assets per employee ($millions) | 3.2050% | 5,659 |
| Cash dividends to net income (ytd only)* | 40.6279% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,991 |
| Loan loss allowance to noncurrent loans | 47.0231% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 4.1280% | 1,634 |
| Noncurrent loans to loans | 3.1957% | 2,380 |
| Net loans and leases to total assets | 65.6771% | 3,529 |
| Net loans and leases to deposits | 76.2066% | 3,809 |
| Net loans and leases to core deposits | 81.1498% | 4,035 |
| Total domestic deposits to total assets | 86.1830% | 3,257 |
| Equity capital to assets | 8.3754% | 6,038 |
| Core capital (leverage) ratio | 7.6631% | 6,571 |
| Tier 1 risk-based capital ratio | 9.9677% | 6,995 |
| Total risk-based capital ratio | 11.2188% | 6,984 |
| Memoranda: | ||
| Average total assets | $1,598,340,000 | 430 |
| Average earning assets | $1,420,557,000 | 434 |
| Average equity | $133,802,400 | 511 |
| Average total loans | $1,055,925,200 | 426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 4,424 |
| Cost of funding earning assets | 1.6075% | 2,347 |
| Net interest margin | 3.4735% | 5,402 |
| Noninterest income to average assets | 1.1472% | 1,064 |
| Noninterest expense to average assets | 3.2750% | 2,659 |
| Loan and lease loss provision to assets | 0.5790% | 2,613 |
| Net operating income to assets | 0.2864% | 5,221 |
| Return on assets (ROA) | 0.3688% | 5,071 |
| Pretax return on assets | 0.4892% | 4,963 |
| Return on Equity (ROE) | 4.4056% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.0102% | 4,330 |
| Net charge-offs to loans | 1.3768% | 1,477 |
| Credit loss provision to net charge-offs | 63.8044% | 5,596 |
| Earnings coverage of net charge-offs (x) | 1.0563% | 5,000 |
| Efficiency ratio | 76.7278% | 2,811 |
| Assets per employee ($millions) | 3.1070% | 5,905 |
| Cash dividends to net income (ytd only)* | 31.6742% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,450 |
| Loan loss allowance to noncurrent loans | 52.9178% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 5.0043% | 1,286 |
| Noncurrent loans to loans | 3.6102% | 2,164 |
| Net loans and leases to total assets | 66.7563% | 3,515 |
| Net loans and leases to deposits | 77.8180% | 3,860 |
| Net loans and leases to core deposits | 83.1630% | 4,070 |
| Total domestic deposits to total assets | 85.7852% | 3,195 |
| Equity capital to assets | 8.8305% | 5,805 |
| Core capital (leverage) ratio | 7.9704% | 6,390 |
| Tier 1 risk-based capital ratio | 10.3235% | 6,884 |
| Total risk-based capital ratio | 11.5790% | 6,876 |
| Memoranda: | ||
| Average total assets | $1,598,104,250 | 423 |
| Average earning assets | $1,419,972,750 | 430 |
| Average equity | $133,766,250 | 501 |
| Average total loans | $1,053,309,500 | 425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 4,760 |
| Cost of funding earning assets | 1.6777% | 2,245 |
| Net interest margin | 3.3588% | 5,805 |
| Noninterest income to average assets | 1.1100% | 1,068 |
| Noninterest expense to average assets | 3.2377% | 2,772 |
| Loan and lease loss provision to assets | 0.5767% | 2,464 |
| Net operating income to assets | 0.2226% | 5,485 |
| Return on assets (ROA) | 0.3507% | 5,135 |
| Pretax return on assets | 0.4539% | 5,053 |
| Return on Equity (ROE) | 4.2648% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.3619% | 3,968 |
| Net charge-offs to loans | 1.9681% | 932 |
| Credit loss provision to net charge-offs | 44.9243% | 5,523 |
| Earnings coverage of net charge-offs (x) | 0.6732% | 5,071 |
| Efficiency ratio | 78.2893% | 2,679 |
| Assets per employee ($millions) | 3.1448% | 5,801 |
| Cash dividends to net income (ytd only)* | 21.1715% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,876 |
| Loan loss allowance to noncurrent loans | 49.5828% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 4.4000% | 1,514 |
| Noncurrent loans to loans | 3.5402% | 2,233 |
| Net loans and leases to total assets | 65.4038% | 3,962 |
| Net loans and leases to deposits | 76.0452% | 4,329 |
| Net loans and leases to core deposits | 81.7507% | 4,453 |
| Total domestic deposits to total assets | 86.0065% | 3,084 |
| Equity capital to assets | 8.6392% | 5,959 |
| Core capital (leverage) ratio | 7.6311% | 6,695 |
| Tier 1 risk-based capital ratio | 10.2291% | 6,895 |
| Total risk-based capital ratio | 11.4828% | 6,864 |
| Memoranda: | ||
| Average total assets | $1,616,083,330 | 418 |
| Average earning assets | $1,439,564,330 | 424 |
| Average equity | $132,902,670 | 501 |
| Average total loans | $1,054,110,670 | 426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 5,334 |
| Cost of funding earning assets | 1.7110% | 2,332 |
| Net interest margin | 3.2137% | 6,256 |
| Noninterest income to average assets | 1.1290% | 978 |
| Noninterest expense to average assets | 3.2101% | 2,820 |
| Loan and lease loss provision to assets | 0.5557% | 2,280 |
| Net operating income to assets | 0.1627% | 5,815 |
| Return on assets (ROA) | 0.2993% | 5,437 |
| Pretax return on assets | 0.4248% | 5,214 |
| Return on Equity (ROE) | 3.7296% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.7296% | 3,917 |
| Net charge-offs to loans | 1.9546% | 882 |
| Credit loss provision to net charge-offs | 44.0239% | 4,574 |
| Earnings coverage of net charge-offs (x) | 0.6221% | 4,469 |
| Efficiency ratio | 79.6913% | 2,616 |
| Assets per employee ($millions) | 3.2485% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 2,162 |
| Loan loss allowance to noncurrent loans | 47.7283% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.7255% | 1,402 |
| Noncurrent loans to loans | 4.2088% | 1,832 |
| Net loans and leases to total assets | 63.5413% | 4,420 |
| Net loans and leases to deposits | 74.7664% | 4,634 |
| Net loans and leases to core deposits | 80.6206% | 4,684 |
| Total domestic deposits to total assets | 84.9865% | 3,682 |
| Equity capital to assets | 8.1572% | 6,485 |
| Core capital (leverage) ratio | 7.2440% | 7,075 |
| Tier 1 risk-based capital ratio | 9.8781% | 7,108 |
| Total risk-based capital ratio | 11.1346% | 7,097 |
| Memoranda: | ||
| Average total assets | $1,641,068,500 | 427 |
| Average earning assets | $1,463,720,000 | 436 |
| Average equity | $131,704,500 | 516 |
| Average total loans | $1,059,866,500 | 443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 4,595 |
| Cost of funding earning assets | 2.0072% | 2,928 |
| Net interest margin | 3.4121% | 5,322 |
| Noninterest income to average assets | 0.8867% | 1,998 |
| Noninterest expense to average assets | 5.3444% | 426 |
| Loan and lease loss provision to assets | 3.0285% | 570 |
| Net operating income to assets | -3.4064% | 7,486 |
| Return on assets (ROA) | -3.4234% | 7,492 |
| Pretax return on assets | -4.4773% | 7,638 |
| Return on Equity (ROE) | -36.4297% | 7,514 |
| Retained earnings to average equity (ytd only) | -38.8988% | 7,538 |
| Net charge-offs to loans | 4.4880% | 328 |
| Credit loss provision to net charge-offs | 98.2101% | 5,673 |
| Earnings coverage of net charge-offs (x) | -0.4625% | 6,665 |
| Efficiency ratio | 86.6137% | 2,045 |
| Assets per employee ($millions) | 3.2444% | 5,618 |
| Cash dividends to net income (ytd only)* | -6.7775% | 7,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 1,567 |
| Loan loss allowance to noncurrent loans | 51.0632% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.3083% | 1,517 |
| Noncurrent loans to loans | 4.4009% | 1,628 |
| Net loans and leases to total assets | 62.8846% | 4,834 |
| Net loans and leases to deposits | 74.9889% | 4,875 |
| Net loans and leases to core deposits | 95.1654% | 4,554 |
| Total domestic deposits to total assets | 83.8586% | 4,100 |
| Equity capital to assets | 7.8971% | 6,676 |
| Core capital (leverage) ratio | 6.9826% | 7,254 |
| Tier 1 risk-based capital ratio | 9.6210% | 7,141 |
| Total risk-based capital ratio | 10.8803% | 7,116 |
| Memoranda: | ||
| Average total assets | $1,637,806,000 | 422 |
| Average earning assets | $1,455,048,600 | 430 |
| Average equity | $153,907,200 | 441 |
| Average total loans | $1,125,337,800 | 436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 4,592 |
| Cost of funding earning assets | 2.0653% | 3,050 |
| Net interest margin | 3.4016% | 5,257 |
| Noninterest income to average assets | 1.1086% | 1,283 |
| Noninterest expense to average assets | 4.6192% | 651 |
| Loan and lease loss provision to assets | 2.7647% | 565 |
| Net operating income to assets | -2.3791% | 7,438 |
| Return on assets (ROA) | -2.3767% | 7,429 |
| Pretax return on assets | -3.2545% | 7,558 |
| Return on Equity (ROE) | -24.3043% | 7,492 |
| Retained earnings to average equity (ytd only) | -27.4791% | 7,542 |
| Net charge-offs to loans | 3.0495% | 535 |
| Credit loss provision to net charge-offs | 129.8392% | 3,860 |
| Earnings coverage of net charge-offs (x) | -0.2314% | 6,312 |
| Efficiency ratio | 82.1015% | 2,569 |
| Assets per employee ($millions) | 3.2023% | 5,642 |
| Cash dividends to net income (ytd only)* | -13.0625% | 7,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9566% | 686 |
| Loan loss allowance to noncurrent loans | 43.3793% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 6.2212% | 845 |
| Noncurrent loans to loans | 6.8157% | 813 |
| Net loans and leases to total assets | 64.0750% | 4,855 |
| Net loans and leases to deposits | 78.7606% | 4,607 |
| Net loans and leases to core deposits | 103.4020% | 4,010 |
| Total domestic deposits to total assets | 81.3541% | 4,940 |
| Equity capital to assets | 9.5234% | 4,716 |
| Core capital (leverage) ratio | 8.4639% | 5,556 |
| Tier 1 risk-based capital ratio | 10.9916% | 5,960 |
| Total risk-based capital ratio | 12.2584% | 5,910 |
| Memoranda: | ||
| Average total assets | $1,631,976,250 | 436 |
| Average earning assets | $1,447,823,250 | 446 |
| Average equity | $159,589,000 | 444 |
| Average total loans | $1,139,520,750 | 446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 4,669 |
| Cost of funding earning assets | 2.1324% | 3,119 |
| Net interest margin | 3.3614% | 5,313 |
| Noninterest income to average assets | 1.0454% | 1,444 |
| Noninterest expense to average assets | 5.2538% | 437 |
| Loan and lease loss provision to assets | 3.5897% | 389 |
| Net operating income to assets | -3.6074% | 7,778 |
| Return on assets (ROA) | -3.6218% | 7,780 |
| Pretax return on assets | -4.8347% | 7,842 |
| Return on Equity (ROE) | -36.7062% | 7,810 |
| Retained earnings to average equity (ytd only) | -39.8387% | 7,832 |
| Net charge-offs to loans | 3.9331% | 361 |
| Credit loss provision to net charge-offs | 128.3031% | 3,625 |
| Earnings coverage of net charge-offs (x) | -0.4379% | 6,041 |
| Efficiency ratio | 84.4867% | 2,420 |
| Assets per employee ($millions) | 3.0681% | 5,955 |
| Cash dividends to net income (ytd only)* | -8.5339% | 7,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 671 |
| Loan loss allowance to noncurrent loans | 39.1401% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 6.3913% | 726 |
| Noncurrent loans to loans | 7.1926% | 668 |
| Net loans and leases to total assets | 66.6228% | 4,434 |
| Net loans and leases to deposits | 81.9393% | 4,235 |
| Net loans and leases to core deposits | 105.2826% | 3,925 |
| Total domestic deposits to total assets | 81.3075% | 4,961 |
| Equity capital to assets | 9.4822% | 4,633 |
| Core capital (leverage) ratio | 8.3988% | 5,624 |
| Tier 1 risk-based capital ratio | 10.5739% | 6,317 |
| Total risk-based capital ratio | 11.8391% | 6,243 |
| Memoranda: | ||
| Average total assets | $1,617,695,670 | 450 |
| Average earning assets | $1,435,639,000 | 464 |
| Average equity | $159,618,670 | 448 |
| Average total loans | $1,150,749,670 | 456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 4,071 |
| Cost of funding earning assets | 2.2040% | 3,147 |
| Net interest margin | 3.4428% | 4,967 |
| Noninterest income to average assets | 1.1480% | 1,119 |
| Noninterest expense to average assets | 6.9507% | 207 |
| Loan and lease loss provision to assets | 4.9139% | 169 |
| Net operating income to assets | -6.0807% | 8,094 |
| Return on assets (ROA) | -6.0767% | 8,083 |
| Pretax return on assets | -7.6517% | 8,101 |
| Return on Equity (ROE) | -60.4020% | 8,089 |
| Retained earnings to average equity (ytd only) | -64.0948% | 8,082 |
| Net charge-offs to loans | 1.1120% | 1,227 |
| Credit loss provision to net charge-offs | 610.0861% | 932 |
| Earnings coverage of net charge-offs (x) | -3.4041% | 5,523 |
| Efficiency ratio | 77.6980% | 3,221 |
| Assets per employee ($millions) | 3.0604% | 5,994 |
| Cash dividends to net income (ytd only)* | -6.1137% | 8,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5926% | 302 |
| Loan loss allowance to noncurrent loans | 77.5915% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 3.9382% | 1,316 |
| Noncurrent loans to loans | 4.6302% | 1,218 |
| Net loans and leases to total assets | 68.0267% | 4,132 |
| Net loans and leases to deposits | 84.1740% | 3,955 |
| Net loans and leases to core deposits | 106.5444% | 3,847 |
| Total domestic deposits to total assets | 80.8168% | 5,032 |
| Equity capital to assets | 9.7790% | 4,261 |
| Core capital (leverage) ratio | 8.5802% | 5,377 |
| Tier 1 risk-based capital ratio | 10.6371% | 6,248 |
| Total risk-based capital ratio | 11.9109% | 6,136 |
| Memoranda: | ||
| Average total assets | $1,615,023,000 | 452 |
| Average earning assets | $1,435,935,500 | 466 |
| Average equity | $162,478,000 | 434 |
| Average total loans | $1,169,805,500 | 451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5115% | 2,903 |
| Cost of funding earning assets | 2.7284% | 3,026 |
| Net interest margin | 3.7831% | 4,090 |
| Noninterest income to average assets | 1.1943% | 1,059 |
| Noninterest expense to average assets | 3.2409% | 3,181 |
| Loan and lease loss provision to assets | 1.2124% | 1,185 |
| Net operating income to assets | 0.1177% | 6,062 |
| Return on assets (ROA) | 0.1181% | 5,902 |
| Pretax return on assets | 0.0807% | 5,986 |
| Return on Equity (ROE) | 1.1458% | 5,876 |
| Retained earnings to average equity (ytd only) | -1.5369% | 5,748 |
| Net charge-offs to loans | 0.7484% | 1,655 |
| Credit loss provision to net charge-offs | 218.4656% | 2,199 |
| Earnings coverage of net charge-offs (x) | 2.3295% | 4,924 |
| Efficiency ratio | 70.8286% | 4,171 |
| Assets per employee ($millions) | 2.9332% | 6,209 |
| Cash dividends to net income (ytd only)* | 234.1311% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 1,064 |
| Loan loss allowance to noncurrent loans | 94.9257% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.3491% | 2,069 |
| Noncurrent loans to loans | 2.2165% | 2,485 |
| Net loans and leases to total assets | 72.7916% | 3,413 |
| Net loans and leases to deposits | 91.8828% | 3,161 |
| Net loans and leases to core deposits | 120.1388% | 2,673 |
| Total domestic deposits to total assets | 79.2223% | 5,291 |
| Equity capital to assets | 10.3497% | 3,664 |
| Core capital (leverage) ratio | 8.2689% | 6,011 |
| Tier 1 risk-based capital ratio | 10.0592% | 6,678 |
| Total risk-based capital ratio | 11.3175% | 6,543 |
| Memoranda: | ||
| Average total assets | $1,627,715,200 | 431 |
| Average earning assets | $1,436,792,200 | 444 |
| Average equity | $167,742,600 | 423 |
| Average total loans | $1,206,980,600 | 429 |