Home > Merchants & Southern Bank > Performance and Condition Ratios
Merchants & Southern Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2201% | 5,617 |
| Cost of funding earning assets | 0.2197% | 5,319 |
| Net interest margin | 3.0004% | 5,214 |
| Noninterest income to average assets | 0.3911% | 4,078 |
| Noninterest expense to average assets | 2.2265% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9672% | 2,408 |
| Return on assets (ROA) | 0.9672% | 2,543 |
| Pretax return on assets | 0.9672% | 3,623 |
| Return on Equity (ROE) | 9.7691% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.5034% | 1,040 |
| Net charge-offs to loans | 1.1826% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.8023% | 2,864 |
| Efficiency ratio | 69.7144% | 3,539 |
| Assets per employee ($millions) | 4.1887% | 3,580 |
| Cash dividends to net income (ytd only)* | 2.7199% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 1,792 |
| Loan loss allowance to noncurrent loans | 180.5914% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 1,921 |
| Noncurrent loans to loans | 0.9296% | 2,921 |
| Net loans and leases to total assets | 44.7280% | 5,287 |
| Net loans and leases to deposits | 55.1732% | 5,107 |
| Net loans and leases to core deposits | 56.5520% | 5,218 |
| Total domestic deposits to total assets | 81.0682% | 4,807 |
| Equity capital to assets | 10.4866% | 3,550 |
| Core capital (leverage) ratio | 10.0000% | 3,599 |
| Tier 1 risk-based capital ratio | 15.1781% | 3,329 |
| Total risk-based capital ratio | 16.3286% | 3,307 |
| Memoranda: | ||
| Average total assets | $456,148,500 | 1,493 |
| Average earning assets | $426,073,500 | 1,484 |
| Average equity | $45,163,000 | 1,651 |
| Average total loans | $207,010,000 | 2,035 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 5,322 |
| Cost of funding earning assets | 0.2330% | 5,492 |
| Net interest margin | 3.2634% | 4,709 |
| Noninterest income to average assets | 0.4447% | 3,872 |
| Noninterest expense to average assets | 2.3106% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1635% | 1,701 |
| Return on assets (ROA) | 1.1642% | 1,775 |
| Pretax return on assets | 1.1642% | 2,806 |
| Return on Equity (ROE) | 12.0117% | 1,407 |
| Retained earnings to average equity (ytd only) | 10.7307% | 412 |
| Net charge-offs to loans | 0.1324% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.8874% | 1,972 |
| Efficiency ratio | 66.5087% | 4,148 |
| Assets per employee ($millions) | 4.1813% | 3,576 |
| Cash dividends to net income (ytd only)* | 10.6645% | 4,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 1,407 |
| Loan loss allowance to noncurrent loans | 88.6186% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 1,593 |
| Noncurrent loans to loans | 2.0945% | 1,303 |
| Net loans and leases to total assets | 44.4397% | 5,438 |
| Net loans and leases to deposits | 62.5283% | 4,677 |
| Net loans and leases to core deposits | 64.4365% | 4,795 |
| Total domestic deposits to total assets | 71.0714% | 6,139 |
| Equity capital to assets | 9.3558% | 4,904 |
| Core capital (leverage) ratio | 9.9469% | 3,647 |
| Tier 1 risk-based capital ratio | 16.1353% | 2,898 |
| Total risk-based capital ratio | 17.3883% | 2,838 |
| Memoranda: | ||
| Average total assets | $425,263,200 | 1,564 |
| Average earning assets | $394,768,600 | 1,551 |
| Average equity | $41,218,200 | 1,739 |
| Average total loans | $221,377,400 | 1,894 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 5,090 |
| Cost of funding earning assets | 0.2403% | 5,508 |
| Net interest margin | 3.3812% | 4,309 |
| Noninterest income to average assets | 0.4666% | 3,756 |
| Noninterest expense to average assets | 2.4092% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1877% | 1,720 |
| Return on assets (ROA) | 1.1886% | 1,791 |
| Pretax return on assets | 1.1886% | 2,825 |
| Return on Equity (ROE) | 12.1432% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.1432% | 405 |
| Net charge-offs to loans | 0.3518% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.2530% | 3,114 |
| Efficiency ratio | 66.9805% | 4,048 |
| Assets per employee ($millions) | 3.3436% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 2,022 |
| Loan loss allowance to noncurrent loans | 63.3247% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.3225% | 1,173 |
| Noncurrent loans to loans | 2.6588% | 1,079 |
| Net loans and leases to total assets | 53.9488% | 4,580 |
| Net loans and leases to deposits | 65.2385% | 4,411 |
| Net loans and leases to core deposits | 67.3547% | 4,575 |
| Total domestic deposits to total assets | 82.6948% | 4,236 |
| Equity capital to assets | 10.6881% | 3,320 |
| Core capital (leverage) ratio | 10.5707% | 2,956 |
| Tier 1 risk-based capital ratio | 16.5632% | 2,792 |
| Total risk-based capital ratio | 17.8156% | 2,738 |
| Memoranda: | ||
| Average total assets | $413,457,250 | 1,611 |
| Average earning assets | $382,770,250 | 1,600 |
| Average equity | $40,471,500 | 1,773 |
| Average total loans | $223,236,000 | 1,883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 5,125 |
| Cost of funding earning assets | 0.2505% | 5,479 |
| Net interest margin | 3.3588% | 4,356 |
| Noninterest income to average assets | 0.5121% | 3,391 |
| Noninterest expense to average assets | 2.4011% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2173% | 1,543 |
| Return on assets (ROA) | 1.2187% | 1,594 |
| Pretax return on assets | 1.2187% | 2,578 |
| Return on Equity (ROE) | 12.8235% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.8235% | 354 |
| Net charge-offs to loans | 0.6288% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.6040% | 3,262 |
| Efficiency ratio | 66.3586% | 4,303 |
| Assets per employee ($millions) | 3.5621% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 2,480 |
| Loan loss allowance to noncurrent loans | 48.4077% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.3834% | 1,217 |
| Noncurrent loans to loans | 3.2951% | 844 |
| Net loans and leases to total assets | 52.6534% | 4,679 |
| Net loans and leases to deposits | 66.8023% | 4,188 |
| Net loans and leases to core deposits | 69.1412% | 4,351 |
| Total domestic deposits to total assets | 78.8197% | 5,497 |
| Equity capital to assets | 10.0613% | 4,020 |
| Core capital (leverage) ratio | 10.1142% | 3,453 |
| Tier 1 risk-based capital ratio | 15.4843% | 3,360 |
| Total risk-based capital ratio | 16.7352% | 3,303 |
| Memoranda: | ||
| Average total assets | $418,645,670 | 1,596 |
| Average earning assets | $387,163,000 | 1,582 |
| Average equity | $39,786,330 | 1,785 |
| Average total loans | $224,870,000 | 1,864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 5,195 |
| Cost of funding earning assets | 0.2664% | 5,429 |
| Net interest margin | 3.3248% | 4,443 |
| Noninterest income to average assets | 0.4118% | 4,092 |
| Noninterest expense to average assets | 2.3871% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0944% | 1,835 |
| Return on assets (ROA) | 1.0944% | 1,901 |
| Pretax return on assets | 1.0944% | 2,930 |
| Return on Equity (ROE) | 11.8615% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.8615% | 627 |
| Net charge-offs to loans | 0.8414% | 411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.4168% | 2,879 |
| Efficiency ratio | 68.5652% | 4,083 |
| Assets per employee ($millions) | 3.4108% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 2,351 |
| Loan loss allowance to noncurrent loans | 48.8147% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 3.0675% | 920 |
| Noncurrent loans to loans | 3.4832% | 841 |
| Net loans and leases to total assets | 53.5193% | 4,488 |
| Net loans and leases to deposits | 66.9090% | 3,985 |
| Net loans and leases to core deposits | 69.2558% | 4,176 |
| Total domestic deposits to total assets | 79.9883% | 5,485 |
| Equity capital to assets | 9.6664% | 4,275 |
| Core capital (leverage) ratio | 9.4180% | 4,397 |
| Tier 1 risk-based capital ratio | 15.8201% | 3,261 |
| Total risk-based capital ratio | 17.0733% | 3,223 |
| Memoranda: | ||
| Average total assets | $419,586,000 | 1,599 |
| Average earning assets | $387,387,000 | 1,593 |
| Average equity | $38,713,500 | 1,818 |
| Average total loans | $225,806,000 | 1,855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 5,601 |
| Cost of funding earning assets | 0.2991% | 5,606 |
| Net interest margin | 3.2217% | 4,925 |
| Noninterest income to average assets | 0.2626% | 5,467 |
| Noninterest expense to average assets | 2.4159% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8046% | 3,271 |
| Return on assets (ROA) | 0.8426% | 3,154 |
| Pretax return on assets | 0.8426% | 3,987 |
| Return on Equity (ROE) | 9.1620% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.1359% | 742 |
| Net charge-offs to loans | 0.4274% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.5110% | 3,832 |
| Efficiency ratio | 75.0168% | 2,947 |
| Assets per employee ($millions) | 3.5823% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.2854% | 4,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 1,875 |
| Loan loss allowance to noncurrent loans | 51.6661% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 1,008 |
| Noncurrent loans to loans | 3.6075% | 849 |
| Net loans and leases to total assets | 52.2259% | 4,815 |
| Net loans and leases to deposits | 69.5740% | 3,836 |
| Net loans and leases to core deposits | 72.1734% | 4,047 |
| Total domestic deposits to total assets | 75.0652% | 6,190 |
| Equity capital to assets | 8.8079% | 5,247 |
| Core capital (leverage) ratio | 9.0293% | 4,953 |
| Tier 1 risk-based capital ratio | 14.9152% | 3,722 |
| Total risk-based capital ratio | 16.1701% | 3,666 |
| Memoranda: | ||
| Average total assets | $415,869,800 | 1,587 |
| Average earning assets | $381,821,800 | 1,587 |
| Average equity | $38,244,800 | 1,816 |
| Average total loans | $222,990,400 | 1,835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 5,642 |
| Cost of funding earning assets | 0.3062% | 5,680 |
| Net interest margin | 3.2121% | 4,957 |
| Noninterest income to average assets | 0.2942% | 5,345 |
| Noninterest expense to average assets | 2.4360% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8022% | 3,332 |
| Return on assets (ROA) | 0.8533% | 3,196 |
| Pretax return on assets | 0.8533% | 4,083 |
| Return on Equity (ROE) | 9.1772% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.1772% | 1,010 |
| Net charge-offs to loans | 0.5693% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.6226% | 3,961 |
| Efficiency ratio | 75.2272% | 2,863 |
| Assets per employee ($millions) | 3.3962% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 1,946 |
| Loan loss allowance to noncurrent loans | 50.8331% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.4881% | 975 |
| Noncurrent loans to loans | 3.7752% | 971 |
| Net loans and leases to total assets | 54.0129% | 4,612 |
| Net loans and leases to deposits | 66.7383% | 4,211 |
| Net loans and leases to core deposits | 69.1810% | 4,413 |
| Total domestic deposits to total assets | 80.9324% | 5,231 |
| Equity capital to assets | 9.3529% | 4,740 |
| Core capital (leverage) ratio | 9.5380% | 4,351 |
| Tier 1 risk-based capital ratio | 15.1231% | 3,670 |
| Total risk-based capital ratio | 16.3787% | 3,621 |
| Memoranda: | ||
| Average total assets | $412,368,000 | 1,610 |
| Average earning assets | $377,938,000 | 1,607 |
| Average equity | $38,340,250 | 1,824 |
| Average total loans | $221,545,250 | 1,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 5,718 |
| Cost of funding earning assets | 0.3175% | 5,691 |
| Net interest margin | 3.1747% | 5,030 |
| Noninterest income to average assets | 0.2313% | 5,793 |
| Noninterest expense to average assets | 2.4360% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7097% | 3,758 |
| Return on assets (ROA) | 0.7858% | 3,534 |
| Pretax return on assets | 0.7858% | 4,361 |
| Return on Equity (ROE) | 8.4682% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.4682% | 1,306 |
| Net charge-offs to loans | 0.2740% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.8614% | 3,016 |
| Efficiency ratio | 77.4391% | 2,554 |
| Assets per employee ($millions) | 3.4538% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2624% | 1,316 |
| Loan loss allowance to noncurrent loans | 47.5012% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 4.1524% | 818 |
| Noncurrent loans to loans | 4.7629% | 699 |
| Net loans and leases to total assets | 52.9873% | 4,740 |
| Net loans and leases to deposits | 66.7839% | 4,176 |
| Net loans and leases to core deposits | 69.4903% | 4,325 |
| Total domestic deposits to total assets | 79.3413% | 5,745 |
| Equity capital to assets | 9.3521% | 4,779 |
| Core capital (leverage) ratio | 9.0796% | 4,860 |
| Tier 1 risk-based capital ratio | 14.8224% | 3,894 |
| Total risk-based capital ratio | 16.0810% | 3,854 |
| Memoranda: | ||
| Average total assets | $415,110,000 | 1,601 |
| Average earning assets | $381,080,330 | 1,595 |
| Average equity | $38,520,670 | 1,819 |
| Average total loans | $221,207,000 | 1,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 5,794 |
| Cost of funding earning assets | 0.3321% | 5,697 |
| Net interest margin | 3.1337% | 5,144 |
| Noninterest income to average assets | 0.4072% | 4,406 |
| Noninterest expense to average assets | 2.4132% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8713% | 2,800 |
| Return on assets (ROA) | 1.0210% | 2,257 |
| Pretax return on assets | 1.0210% | 3,260 |
| Return on Equity (ROE) | 11.0431% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.0431% | 860 |
| Net charge-offs to loans | 0.4695% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.5115% | 2,751 |
| Efficiency ratio | 73.4717% | 3,354 |
| Assets per employee ($millions) | 3.4612% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2487% | 1,490 |
| Loan loss allowance to noncurrent loans | 45.9129% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 4.2743% | 889 |
| Noncurrent loans to loans | 4.8978% | 787 |
| Net loans and leases to total assets | 52.2851% | 4,668 |
| Net loans and leases to deposits | 66.7035% | 3,951 |
| Net loans and leases to core deposits | 69.4134% | 4,145 |
| Total domestic deposits to total assets | 78.3844% | 6,060 |
| Equity capital to assets | 9.5278% | 4,810 |
| Core capital (leverage) ratio | 8.7069% | 5,318 |
| Tier 1 risk-based capital ratio | 14.3823% | 4,252 |
| Total risk-based capital ratio | 15.6411% | 4,210 |
| Memoranda: | ||
| Average total assets | $422,347,000 | 1,591 |
| Average earning assets | $387,789,000 | 1,577 |
| Average equity | $39,047,000 | 1,816 |
| Average total loans | $223,210,500 | 1,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 5,738 |
| Cost of funding earning assets | 0.4657% | 5,451 |
| Net interest margin | 3.3727% | 4,985 |
| Noninterest income to average assets | 0.1641% | 6,216 |
| Noninterest expense to average assets | 2.6017% | 4,740 |
| Loan and lease loss provision to assets | 0.0402% | 5,362 |
| Net operating income to assets | 0.5770% | 4,353 |
| Return on assets (ROA) | 0.5979% | 4,511 |
| Pretax return on assets | 0.5979% | 5,002 |
| Return on Equity (ROE) | 6.7030% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.7030% | 1,715 |
| Net charge-offs to loans | 0.3308% | 2,987 |
| Credit loss provision to net charge-offs | 21.5484% | 5,268 |
| Earnings coverage of net charge-offs (x) | 3.3058% | 3,782 |
| Efficiency ratio | 80.8262% | 2,029 |
| Assets per employee ($millions) | 3.6068% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,355 |
| Loan loss allowance to noncurrent loans | 45.7832% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 4.5805% | 898 |
| Noncurrent loans to loans | 5.0394% | 786 |
| Net loans and leases to total assets | 51.0376% | 5,028 |
| Net loans and leases to deposits | 68.8466% | 3,854 |
| Net loans and leases to core deposits | 72.6718% | 3,955 |
| Total domestic deposits to total assets | 74.1324% | 6,516 |
| Equity capital to assets | 8.9763% | 5,548 |
| Core capital (leverage) ratio | 8.4233% | 5,727 |
| Tier 1 risk-based capital ratio | 13.5901% | 4,683 |
| Total risk-based capital ratio | 14.8500% | 4,623 |
| Memoranda: | ||
| Average total assets | $415,110,000 | 1,576 |
| Average earning assets | $375,993,800 | 1,590 |
| Average equity | $37,028,200 | 1,875 |
| Average total loans | $234,258,600 | 1,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 5,731 |
| Cost of funding earning assets | 0.4988% | 5,442 |
| Net interest margin | 3.4233% | 4,954 |
| Noninterest income to average assets | 0.2727% | 5,606 |
| Noninterest expense to average assets | 2.6456% | 4,585 |
| Loan and lease loss provision to assets | 0.0542% | 5,068 |
| Net operating income to assets | 0.6636% | 4,074 |
| Return on assets (ROA) | 0.6918% | 4,208 |
| Pretax return on assets | 0.6918% | 4,893 |
| Return on Equity (ROE) | 7.7688% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.7688% | 1,716 |
| Net charge-offs to loans | -0.0508% | 6,715 |
| Credit loss provision to net charge-offs | -185.5556% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6583% | 2,290 |
| Assets per employee ($millions) | 3.3266% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6585% | 1,021 |
| Loan loss allowance to noncurrent loans | 46.8928% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 5.7260% | 725 |
| Noncurrent loans to loans | 5.6692% | 749 |
| Net loans and leases to total assets | 55.3267% | 4,549 |
| Net loans and leases to deposits | 68.3552% | 4,122 |
| Net loans and leases to core deposits | 72.8439% | 4,147 |
| Total domestic deposits to total assets | 80.9400% | 5,379 |
| Equity capital to assets | 9.5768% | 5,099 |
| Core capital (leverage) ratio | 8.5318% | 5,707 |
| Tier 1 risk-based capital ratio | 13.8451% | 4,659 |
| Total risk-based capital ratio | 15.1095% | 4,601 |
| Memoranda: | ||
| Average total assets | $410,683,500 | 1,608 |
| Average earning assets | $370,782,750 | 1,628 |
| Average equity | $36,572,500 | 1,917 |
| Average total loans | $236,294,250 | 1,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 5,864 |
| Cost of funding earning assets | 0.5199% | 5,484 |
| Net interest margin | 3.4006% | 5,090 |
| Noninterest income to average assets | 0.3087% | 5,345 |
| Noninterest expense to average assets | 2.6458% | 4,624 |
| Loan and lease loss provision to assets | 0.0808% | 4,585 |
| Net operating income to assets | 0.6483% | 4,120 |
| Return on assets (ROA) | 0.6720% | 4,269 |
| Pretax return on assets | 0.6720% | 4,904 |
| Return on Equity (ROE) | 7.7351% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.7351% | 1,752 |
| Net charge-offs to loans | 0.2529% | 3,066 |
| Credit loss provision to net charge-offs | 55.2980% | 3,925 |
| Earnings coverage of net charge-offs (x) | 4.9901% | 2,938 |
| Efficiency ratio | 78.3974% | 2,408 |
| Assets per employee ($millions) | 3.5547% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 1,478 |
| Loan loss allowance to noncurrent loans | 35.8222% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 5.7675% | 756 |
| Noncurrent loans to loans | 6.5945% | 626 |
| Net loans and leases to total assets | 55.1329% | 4,607 |
| Net loans and leases to deposits | 71.9500% | 3,618 |
| Net loans and leases to core deposits | 76.6482% | 3,699 |
| Total domestic deposits to total assets | 76.6266% | 6,383 |
| Equity capital to assets | 8.6713% | 6,056 |
| Core capital (leverage) ratio | 8.1596% | 6,086 |
| Tier 1 risk-based capital ratio | 12.8849% | 5,267 |
| Total risk-based capital ratio | 14.1458% | 5,236 |
| Memoranda: | ||
| Average total assets | $413,407,000 | 1,603 |
| Average earning assets | $372,757,330 | 1,622 |
| Average equity | $35,914,000 | 1,934 |
| Average total loans | $238,799,330 | 1,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 5,802 |
| Cost of funding earning assets | 0.5516% | 5,489 |
| Net interest margin | 3.4364% | 4,975 |
| Noninterest income to average assets | 0.3372% | 5,160 |
| Noninterest expense to average assets | 2.6665% | 4,559 |
| Loan and lease loss provision to assets | 0.1642% | 3,335 |
| Net operating income to assets | 0.5939% | 4,370 |
| Return on assets (ROA) | 0.6420% | 4,367 |
| Pretax return on assets | 0.6420% | 4,967 |
| Return on Equity (ROE) | 7.3834% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.3834% | 2,239 |
| Net charge-offs to loans | 0.4879% | 1,870 |
| Credit loss provision to net charge-offs | 57.5862% | 3,159 |
| Earnings coverage of net charge-offs (x) | 2.6586% | 3,118 |
| Efficiency ratio | 77.8639% | 2,516 |
| Assets per employee ($millions) | 3.3679% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4182% | 1,472 |
| Loan loss allowance to noncurrent loans | 35.8233% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 5.9911% | 787 |
| Noncurrent loans to loans | 6.7504% | 691 |
| Net loans and leases to total assets | 54.6545% | 4,613 |
| Net loans and leases to deposits | 71.3956% | 3,528 |
| Net loans and leases to core deposits | 75.6102% | 3,672 |
| Total domestic deposits to total assets | 76.5516% | 6,479 |
| Equity capital to assets | 8.5009% | 6,081 |
| Core capital (leverage) ratio | 8.1815% | 6,053 |
| Tier 1 risk-based capital ratio | 12.7940% | 5,370 |
| Total risk-based capital ratio | 14.0555% | 5,333 |
| Memoranda: | ||
| Average total assets | $406,827,500 | 1,631 |
| Average earning assets | $365,499,500 | 1,657 |
| Average equity | $35,376,500 | 1,960 |
| Average total loans | $237,765,000 | 1,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 4,890 |
| Cost of funding earning assets | 0.7925% | 4,920 |
| Net interest margin | 3.7535% | 4,065 |
| Noninterest income to average assets | 0.2487% | 5,753 |
| Noninterest expense to average assets | 2.7932% | 4,374 |
| Loan and lease loss provision to assets | 0.3446% | 2,939 |
| Net operating income to assets | 0.4702% | 4,539 |
| Return on assets (ROA) | 0.4710% | 4,743 |
| Pretax return on assets | 0.4710% | 5,072 |
| Return on Equity (ROE) | 5.5619% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.5619% | 2,264 |
| Net charge-offs to loans | 1.4589% | 1,106 |
| Credit loss provision to net charge-offs | 36.0000% | 5,698 |
| Earnings coverage of net charge-offs (x) | 0.8513% | 5,161 |
| Efficiency ratio | 77.4161% | 2,674 |
| Assets per employee ($millions) | 3.1924% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4297% | 1,408 |
| Loan loss allowance to noncurrent loans | 39.2785% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 6.1332% | 792 |
| Noncurrent loans to loans | 6.1859% | 787 |
| Net loans and leases to total assets | 59.5707% | 4,065 |
| Net loans and leases to deposits | 74.1410% | 3,479 |
| Net loans and leases to core deposits | 77.7437% | 3,715 |
| Total domestic deposits to total assets | 80.3478% | 5,644 |
| Equity capital to assets | 8.9046% | 5,669 |
| Core capital (leverage) ratio | 8.1186% | 6,117 |
| Tier 1 risk-based capital ratio | 12.8279% | 5,217 |
| Total risk-based capital ratio | 14.0906% | 5,183 |
| Memoranda: | ||
| Average total assets | $389,160,600 | 1,663 |
| Average earning assets | $348,285,800 | 1,702 |
| Average equity | $32,956,600 | 2,023 |
| Average total loans | $255,321,600 | 1,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 4,747 |
| Cost of funding earning assets | 0.8436% | 4,817 |
| Net interest margin | 3.7865% | 3,942 |
| Noninterest income to average assets | 0.3073% | 5,399 |
| Noninterest expense to average assets | 2.7752% | 4,444 |
| Loan and lease loss provision to assets | 0.2253% | 3,757 |
| Net operating income to assets | 0.6929% | 3,658 |
| Return on assets (ROA) | 0.6929% | 3,827 |
| Pretax return on assets | 0.6929% | 4,508 |
| Return on Equity (ROE) | 8.2904% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.2904% | 1,398 |
| Net charge-offs to loans | 0.0967% | 5,015 |
| Credit loss provision to net charge-offs | 348.9362% | 810 |
| Earnings coverage of net charge-offs (x) | 14.2234% | 1,549 |
| Efficiency ratio | 75.1395% | 2,984 |
| Assets per employee ($millions) | 3.1427% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4692% | 579 |
| Loan loss allowance to noncurrent loans | 64.5440% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 6.0380% | 884 |
| Noncurrent loans to loans | 5.3749% | 1,117 |
| Net loans and leases to total assets | 61.9485% | 3,737 |
| Net loans and leases to deposits | 76.5723% | 3,235 |
| Net loans and leases to core deposits | 81.4702% | 3,413 |
| Total domestic deposits to total assets | 80.9020% | 5,467 |
| Equity capital to assets | 9.0345% | 5,711 |
| Core capital (leverage) ratio | 8.4816% | 5,736 |
| Tier 1 risk-based capital ratio | 12.4657% | 5,519 |
| Total risk-based capital ratio | 13.7407% | 5,491 |
| Memoranda: | ||
| Average total assets | $388,285,000 | 1,680 |
| Average earning assets | $347,228,000 | 1,717 |
| Average equity | $32,454,500 | 2,047 |
| Average total loans | $259,217,750 | 1,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 4,736 |
| Cost of funding earning assets | 0.8994% | 4,674 |
| Net interest margin | 3.7549% | 4,011 |
| Noninterest income to average assets | 0.4595% | 4,200 |
| Noninterest expense to average assets | 2.8524% | 4,226 |
| Loan and lease loss provision to assets | 0.3383% | 2,763 |
| Net operating income to assets | 0.6189% | 3,965 |
| Return on assets (ROA) | 0.6189% | 4,095 |
| Pretax return on assets | 0.6189% | 4,679 |
| Return on Equity (ROE) | 7.6101% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.6101% | 1,613 |
| Net charge-offs to loans | 0.1075% | 4,616 |
| Credit loss provision to net charge-offs | 465.2482% | 659 |
| Earnings coverage of net charge-offs (x) | 13.1631% | 1,572 |
| Efficiency ratio | 74.8748% | 3,205 |
| Assets per employee ($millions) | 3.1652% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4761% | 607 |
| Loan loss allowance to noncurrent loans | 64.7758% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 6.6116% | 801 |
| Noncurrent loans to loans | 5.3663% | 1,187 |
| Net loans and leases to total assets | 62.2245% | 3,842 |
| Net loans and leases to deposits | 76.6076% | 3,355 |
| Net loans and leases to core deposits | 81.8990% | 3,511 |
| Total domestic deposits to total assets | 81.2250% | 5,452 |
| Equity capital to assets | 8.5689% | 6,103 |
| Core capital (leverage) ratio | 8.2889% | 5,885 |
| Tier 1 risk-based capital ratio | 11.8303% | 5,912 |
| Total risk-based capital ratio | 13.1044% | 5,872 |
| Memoranda: | ||
| Average total assets | $387,814,670 | 1,691 |
| Average earning assets | $345,997,670 | 1,729 |
| Average equity | $31,537,000 | 2,089 |
| Average total loans | $262,261,330 | 1,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 4,801 |
| Cost of funding earning assets | 0.9489% | 4,579 |
| Net interest margin | 3.6872% | 4,172 |
| Noninterest income to average assets | 0.5260% | 3,683 |
| Noninterest expense to average assets | 2.7768% | 4,538 |
| Loan and lease loss provision to assets | 0.5890% | 1,463 |
| Net operating income to assets | 0.4692% | 4,624 |
| Return on assets (ROA) | 0.4692% | 4,705 |
| Pretax return on assets | 0.4692% | 5,124 |
| Return on Equity (ROE) | 5.9297% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.9297% | 2,681 |
| Net charge-offs to loans | 0.0776% | 4,168 |
| Credit loss provision to net charge-offs | 1,096.1538% | 349 |
| Earnings coverage of net charge-offs (x) | 19.6923% | 1,130 |
| Efficiency ratio | 72.4064% | 3,788 |
| Assets per employee ($millions) | 3.2354% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3356% | 694 |
| Loan loss allowance to noncurrent loans | 63.3566% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 6.6864% | 814 |
| Noncurrent loans to loans | 5.2648% | 1,259 |
| Net loans and leases to total assets | 65.6960% | 3,093 |
| Net loans and leases to deposits | 76.5287% | 3,331 |
| Net loans and leases to core deposits | 82.2232% | 3,430 |
| Total domestic deposits to total assets | 85.8450% | 3,614 |
| Equity capital to assets | 8.0572% | 6,444 |
| Core capital (leverage) ratio | 8.1545% | 6,042 |
| Tier 1 risk-based capital ratio | 11.1871% | 6,364 |
| Total risk-based capital ratio | 12.4600% | 6,313 |
| Memoranda: | ||
| Average total assets | $387,064,000 | 1,705 |
| Average earning assets | $347,364,000 | 1,734 |
| Average equity | $30,625,500 | 2,141 |
| Average total loans | $267,905,000 | 1,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 3,975 |
| Cost of funding earning assets | 1.2094% | 4,503 |
| Net interest margin | 3.9159% | 3,415 |
| Noninterest income to average assets | 0.5761% | 3,615 |
| Noninterest expense to average assets | 3.0555% | 3,647 |
| Loan and lease loss provision to assets | 1.9656% | 672 |
| Net operating income to assets | -0.8435% | 6,600 |
| Return on assets (ROA) | -0.3387% | 6,283 |
| Pretax return on assets | -0.3387% | 6,192 |
| Return on Equity (ROE) | -4.0656% | 6,364 |
| Retained earnings to average equity (ytd only) | -9.1484% | 6,605 |
| Net charge-offs to loans | 1.3568% | 1,648 |
| Credit loss provision to net charge-offs | 201.9835% | 1,540 |
| Earnings coverage of net charge-offs (x) | 1.1530% | 4,955 |
| Efficiency ratio | 73.1413% | 3,572 |
| Assets per employee ($millions) | 3.1636% | 5,749 |
| Cash dividends to net income (ytd only)* | -125.0185% | 7,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9944% | 871 |
| Loan loss allowance to noncurrent loans | 68.6831% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 4.9586% | 1,296 |
| Noncurrent loans to loans | 4.3597% | 1,652 |
| Net loans and leases to total assets | 68.3434% | 2,898 |
| Net loans and leases to deposits | 81.5631% | 2,895 |
| Net loans and leases to core deposits | 89.9287% | 2,774 |
| Total domestic deposits to total assets | 83.7921% | 4,457 |
| Equity capital to assets | 7.7688% | 6,694 |
| Core capital (leverage) ratio | 7.8413% | 6,389 |
| Tier 1 risk-based capital ratio | 10.4528% | 6,730 |
| Total risk-based capital ratio | 11.7215% | 6,695 |
| Memoranda: | ||
| Average total assets | $398,918,600 | 1,655 |
| Average earning assets | $366,887,600 | 1,638 |
| Average equity | $33,230,000 | 1,992 |
| Average total loans | $286,107,800 | 1,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 3,702 |
| Cost of funding earning assets | 1.2623% | 4,482 |
| Net interest margin | 3.9633% | 3,272 |
| Noninterest income to average assets | 0.5438% | 3,838 |
| Noninterest expense to average assets | 3.1970% | 2,941 |
| Loan and lease loss provision to assets | 0.9105% | 1,662 |
| Net operating income to assets | 0.0940% | 5,792 |
| Return on assets (ROA) | 0.7614% | 3,326 |
| Pretax return on assets | 0.7614% | 4,046 |
| Return on Equity (ROE) | 8.9933% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.6878% | 4,544 |
| Net charge-offs to loans | 0.4584% | 3,458 |
| Credit loss provision to net charge-offs | 275.7545% | 1,188 |
| Earnings coverage of net charge-offs (x) | 3.0423% | 3,614 |
| Efficiency ratio | 76.0911% | 2,936 |
| Assets per employee ($millions) | 3.1565% | 5,788 |
| Cash dividends to net income (ytd only)* | 70.1134% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,902 |
| Loan loss allowance to noncurrent loans | 82.5895% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 3.8436% | 1,840 |
| Noncurrent loans to loans | 2.5947% | 3,027 |
| Net loans and leases to total assets | 68.3016% | 3,141 |
| Net loans and leases to deposits | 83.3539% | 2,818 |
| Net loans and leases to core deposits | 93.5251% | 2,589 |
| Total domestic deposits to total assets | 81.9416% | 5,020 |
| Equity capital to assets | 8.1833% | 6,628 |
| Core capital (leverage) ratio | 8.2901% | 5,891 |
| Tier 1 risk-based capital ratio | 10.9889% | 6,395 |
| Total risk-based capital ratio | 12.2482% | 6,368 |
| Memoranda: | ||
| Average total assets | $401,368,250 | 1,672 |
| Average earning assets | $370,421,000 | 1,655 |
| Average equity | $33,980,000 | 1,971 |
| Average total loans | $289,098,000 | 1,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 3,737 |
| Cost of funding earning assets | 1.3001% | 4,540 |
| Net interest margin | 3.9453% | 3,257 |
| Noninterest income to average assets | 0.5374% | 3,816 |
| Noninterest expense to average assets | 3.1803% | 2,975 |
| Loan and lease loss provision to assets | 0.1101% | 5,806 |
| Net operating income to assets | 0.9110% | 2,515 |
| Return on assets (ROA) | 0.9110% | 2,622 |
| Pretax return on assets | 0.9110% | 3,451 |
| Return on Equity (ROE) | 10.6425% | 1,876 |
| Retained earnings to average equity (ytd only) | 4.6492% | 3,111 |
| Net charge-offs to loans | -0.1424% | 7,603 |
| Credit loss provision to net charge-offs | -106.2500% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6965% | 3,125 |
| Assets per employee ($millions) | 3.2064% | 5,676 |
| Cash dividends to net income (ytd only)* | 56.3149% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 3,340 |
| Loan loss allowance to noncurrent loans | 40.8630% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 4.4691% | 1,490 |
| Noncurrent loans to loans | 3.9806% | 1,907 |
| Net loans and leases to total assets | 70.5884% | 2,773 |
| Net loans and leases to deposits | 85.8772% | 2,520 |
| Net loans and leases to core deposits | 98.2299% | 2,205 |
| Total domestic deposits to total assets | 82.1968% | 4,911 |
| Equity capital to assets | 8.9482% | 5,524 |
| Core capital (leverage) ratio | 8.3895% | 5,598 |
| Tier 1 risk-based capital ratio | 11.0090% | 6,228 |
| Total risk-based capital ratio | 12.2628% | 6,212 |
| Memoranda: | ||
| Average total assets | $401,531,670 | 1,685 |
| Average earning assets | $372,895,330 | 1,655 |
| Average equity | $34,371,670 | 1,943 |
| Average total loans | $292,196,670 | 1,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3260% | 3,420 |
| Cost of funding earning assets | 1.3618% | 4,410 |
| Net interest margin | 3.9642% | 3,031 |
| Noninterest income to average assets | 0.5355% | 3,771 |
| Noninterest expense to average assets | 3.2078% | 2,827 |
| Loan and lease loss provision to assets | 0.1095% | 5,527 |
| Net operating income to assets | 0.8977% | 2,550 |
| Return on assets (ROA) | 0.8977% | 2,626 |
| Pretax return on assets | 0.8977% | 3,481 |
| Return on Equity (ROE) | 10.7300% | 1,862 |
| Retained earnings to average equity (ytd only) | 5.4720% | 2,885 |
| Net charge-offs to loans | -0.0014% | 6,756 |
| Credit loss provision to net charge-offs | -11,000.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1039% | 3,197 |
| Assets per employee ($millions) | 3.2569% | 5,638 |
| Cash dividends to net income (ytd only)* | 49.0022% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 3,957 |
| Loan loss allowance to noncurrent loans | 79.0179% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 3.0806% | 2,323 |
| Noncurrent loans to loans | 1.8858% | 3,946 |
| Net loans and leases to total assets | 71.9666% | 2,456 |
| Net loans and leases to deposits | 86.8306% | 2,442 |
| Net loans and leases to core deposits | 97.4378% | 2,399 |
| Total domestic deposits to total assets | 82.8816% | 4,688 |
| Equity capital to assets | 8.4999% | 6,002 |
| Core capital (leverage) ratio | 8.1751% | 5,950 |
| Tier 1 risk-based capital ratio | 10.7261% | 6,412 |
| Total risk-based capital ratio | 11.9783% | 6,400 |
| Memoranda: | ||
| Average total assets | $401,900,500 | 1,719 |
| Average earning assets | $373,041,000 | 1,693 |
| Average equity | $33,625,500 | 2,005 |
| Average total loans | $294,499,000 | 1,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 3,719 |
| Cost of funding earning assets | 1.5503% | 5,276 |
| Net interest margin | 4.0261% | 2,759 |
| Noninterest income to average assets | 0.5319% | 4,163 |
| Noninterest expense to average assets | 2.9789% | 4,237 |
| Loan and lease loss provision to assets | 0.6243% | 3,307 |
| Net operating income to assets | 0.7019% | 2,927 |
| Return on assets (ROA) | 0.8936% | 2,271 |
| Pretax return on assets | 0.8936% | 2,944 |
| Return on Equity (ROE) | 10.5781% | 1,526 |
| Retained earnings to average equity (ytd only) | 3.8135% | 2,530 |
| Net charge-offs to loans | 0.2674% | 4,946 |
| Credit loss provision to net charge-offs | 314.4501% | 1,040 |
| Earnings coverage of net charge-offs (x) | 6.6803% | 2,316 |
| Efficiency ratio | 69.1945% | 4,787 |
| Assets per employee ($millions) | 3.1500% | 5,858 |
| Cash dividends to net income (ytd only)* | 63.9489% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,056 |
| Loan loss allowance to noncurrent loans | 60.2154% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.2823% | 3,029 |
| Noncurrent loans to loans | 2.3818% | 3,186 |
| Net loans and leases to total assets | 72.4425% | 2,649 |
| Net loans and leases to deposits | 87.4143% | 2,657 |
| Net loans and leases to core deposits | 111.0222% | 2,795 |
| Total domestic deposits to total assets | 82.8726% | 4,573 |
| Equity capital to assets | 8.2342% | 6,298 |
| Core capital (leverage) ratio | 8.2004% | 5,809 |
| Tier 1 risk-based capital ratio | 10.5047% | 6,394 |
| Total risk-based capital ratio | 11.7563% | 6,367 |
| Memoranda: | ||
| Average total assets | $393,907,000 | 1,745 |
| Average earning assets | $369,162,600 | 1,710 |
| Average equity | $33,276,400 | 2,016 |
| Average total loans | $292,490,600 | 1,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 3,748 |
| Cost of funding earning assets | 1.5934% | 5,428 |
| Net interest margin | 4.0261% | 2,698 |
| Noninterest income to average assets | 0.5448% | 4,120 |
| Noninterest expense to average assets | 2.9820% | 4,118 |
| Loan and lease loss provision to assets | 0.4797% | 3,504 |
| Net operating income to assets | 0.8591% | 2,581 |
| Return on assets (ROA) | 1.1158% | 1,750 |
| Pretax return on assets | 1.1158% | 2,514 |
| Return on Equity (ROE) | 13.1226% | 1,092 |
| Retained earnings to average equity (ytd only) | 5.9546% | 1,975 |
| Net charge-offs to loans | 0.2332% | 4,597 |
| Credit loss provision to net charge-offs | 276.2745% | 1,526 |
| Earnings coverage of net charge-offs (x) | 7.7098% | 2,364 |
| Efficiency ratio | 69.0150% | 4,779 |
| Assets per employee ($millions) | 3.0114% | 6,134 |
| Cash dividends to net income (ytd only)* | 54.6233% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,153 |
| Loan loss allowance to noncurrent loans | 69.9859% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 3,707 |
| Noncurrent loans to loans | 1.7055% | 4,082 |
| Net loans and leases to total assets | 73.4144% | 2,683 |
| Net loans and leases to deposits | 88.3419% | 2,897 |
| Net loans and leases to core deposits | 114.0608% | 2,823 |
| Total domestic deposits to total assets | 83.1026% | 4,174 |
| Equity capital to assets | 8.6468% | 6,039 |
| Core capital (leverage) ratio | 8.3643% | 5,724 |
| Tier 1 risk-based capital ratio | 10.6276% | 6,317 |
| Total risk-based capital ratio | 11.7592% | 6,412 |
| Memoranda: | ||
| Average total assets | $391,584,500 | 1,769 |
| Average earning assets | $367,265,000 | 1,727 |
| Average equity | $33,295,500 | 2,040 |
| Average total loans | $291,529,250 | 1,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 3,948 |
| Cost of funding earning assets | 1.6205% | 5,667 |
| Net interest margin | 4.0029% | 2,692 |
| Noninterest income to average assets | 0.5567% | 3,984 |
| Noninterest expense to average assets | 3.1132% | 3,650 |
| Loan and lease loss provision to assets | 0.0618% | 6,597 |
| Net operating income to assets | 1.1322% | 1,657 |
| Return on assets (ROA) | 1.1322% | 1,737 |
| Pretax return on assets | 1.1322% | 2,527 |
| Return on Equity (ROE) | 13.3916% | 1,099 |
| Retained earnings to average equity (ytd only) | 6.1008% | 1,969 |
| Net charge-offs to loans | 0.0144% | 6,340 |
| Credit loss provision to net charge-offs | 576.1905% | 810 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 344 |
| Efficiency ratio | 72.2789% | 4,351 |
| Assets per employee ($millions) | 3.0978% | 5,878 |
| Cash dividends to net income (ytd only)* | 54.4429% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,749 |
| Loan loss allowance to noncurrent loans | 49.0369% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8458% | 3,407 |
| Noncurrent loans to loans | 1.8443% | 3,745 |
| Net loans and leases to total assets | 73.8663% | 2,742 |
| Net loans and leases to deposits | 89.1979% | 2,954 |
| Net loans and leases to core deposits | 114.8426% | 2,825 |
| Total domestic deposits to total assets | 82.8117% | 4,325 |
| Equity capital to assets | 8.4514% | 6,118 |
| Core capital (leverage) ratio | 8.1434% | 6,090 |
| Tier 1 risk-based capital ratio | 10.2956% | 6,599 |
| Total risk-based capital ratio | 11.1521% | 6,968 |
| Memoranda: | ||
| Average total assets | $391,617,330 | 1,792 |
| Average earning assets | $366,934,000 | 1,752 |
| Average equity | $33,110,330 | 2,051 |
| Average total loans | $291,746,000 | 1,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 4,301 |
| Cost of funding earning assets | 1.6453% | 5,834 |
| Net interest margin | 3.9628% | 2,804 |
| Noninterest income to average assets | 0.5735% | 3,736 |
| Noninterest expense to average assets | 3.0455% | 3,572 |
| Loan and lease loss provision to assets | 0.2117% | 4,330 |
| Net operating income to assets | 1.0247% | 2,210 |
| Return on assets (ROA) | 1.0247% | 2,353 |
| Pretax return on assets | 1.0247% | 3,264 |
| Return on Equity (ROE) | 12.1179% | 1,623 |
| Retained earnings to average equity (ytd only) | 4.5943% | 3,371 |
| Net charge-offs to loans | 0.0290% | 5,119 |
| Credit loss provision to net charge-offs | 980.9524% | 640 |
| Earnings coverage of net charge-offs (x) | 57.2857% | 668 |
| Efficiency ratio | 71.1234% | 4,343 |
| Assets per employee ($millions) | 3.0788% | 5,951 |
| Cash dividends to net income (ytd only)* | 62.0863% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 6,594 |
| Loan loss allowance to noncurrent loans | 50.4297% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8648% | 3,122 |
| Noncurrent loans to loans | 1.8491% | 3,493 |
| Net loans and leases to total assets | 74.3500% | 2,662 |
| Net loans and leases to deposits | 91.2967% | 2,729 |
| Net loans and leases to core deposits | 112.6344% | 3,153 |
| Total domestic deposits to total assets | 81.4377% | 4,773 |
| Equity capital to assets | 8.4440% | 6,158 |
| Core capital (leverage) ratio | 8.1310% | 6,227 |
| Tier 1 risk-based capital ratio | 10.0827% | 6,823 |
| Total risk-based capital ratio | 10.9656% | 7,147 |
| Memoranda: | ||
| Average total assets | $389,168,500 | 1,807 |
| Average earning assets | $364,183,500 | 1,771 |
| Average equity | $32,910,000 | 2,056 |
| Average total loans | $289,837,000 | 1,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2139% | 4,441 |
| Cost of funding earning assets | 2.1437% | 5,864 |
| Net interest margin | 4.0702% | 2,832 |
| Noninterest income to average assets | 0.5783% | 4,020 |
| Noninterest expense to average assets | 2.9868% | 4,125 |
| Loan and lease loss provision to assets | 0.2624% | 4,302 |
| Net operating income to assets | 1.1135% | 2,092 |
| Return on assets (ROA) | 1.1091% | 2,025 |
| Pretax return on assets | 1.1091% | 2,996 |
| Return on Equity (ROE) | 13.9314% | 1,122 |
| Retained earnings to average equity (ytd only) | 9.6082% | 507 |
| Net charge-offs to loans | 0.2542% | 3,730 |
| Credit loss provision to net charge-offs | 138.3621% | 3,841 |
| Earnings coverage of net charge-offs (x) | 7.2543% | 3,154 |
| Efficiency ratio | 68.4615% | 4,639 |
| Assets per employee ($millions) | 3.0740% | 5,854 |
| Cash dividends to net income (ytd only)* | 31.0319% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,640 |
| Loan loss allowance to noncurrent loans | 112.7026% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,099 |
| Noncurrent loans to loans | 0.8041% | 5,034 |
| Net loans and leases to total assets | 73.2178% | 3,308 |
| Net loans and leases to deposits | 94.2980% | 2,711 |
| Net loans and leases to core deposits | 111.8947% | 3,577 |
| Total domestic deposits to total assets | 77.6452% | 5,822 |
| Equity capital to assets | 8.4693% | 6,143 |
| Core capital (leverage) ratio | 8.3798% | 5,801 |
| Tier 1 risk-based capital ratio | 10.2547% | 6,464 |
| Total risk-based capital ratio | 11.1025% | 6,781 |
| Memoranda: | ||
| Average total assets | $366,948,800 | 1,832 |
| Average earning assets | $341,188,800 | 1,806 |
| Average equity | $29,214,600 | 2,314 |
| Average total loans | $273,748,000 | 1,749 |