Home > Meridian Bank Texas > Performance and Condition Ratios
Meridian Bank Texas, 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 | 4.5192% | 1,408 |
| Cost of funding earning assets | 0.3540% | 3,813 |
| Net interest margin | 4.1651% | 1,138 |
| Noninterest income to average assets | 0.2383% | 5,262 |
| Noninterest expense to average assets | 2.9976% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1185% | 1,802 |
| Return on assets (ROA) | 1.1185% | 1,910 |
| Pretax return on assets | 1.1185% | 3,000 |
| Return on Equity (ROE) | 8.7205% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.7205% | 1,300 |
| Net charge-offs to loans | -0.0505% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5599% | 3,075 |
| Assets per employee ($millions) | 7.4916% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 5,853 |
| Loan loss allowance to noncurrent loans | 46.5808% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 1,818 |
| Noncurrent loans to loans | 1.5600% | 1,794 |
| Net loans and leases to total assets | 72.6336% | 1,710 |
| Net loans and leases to deposits | 83.6113% | 2,128 |
| Net loans and leases to core deposits | 90.4084% | 2,092 |
| Total domestic deposits to total assets | 86.8705% | 2,442 |
| Equity capital to assets | 12.9057% | 1,446 |
| Core capital (leverage) ratio | 11.4043% | 2,077 |
| Tier 1 risk-based capital ratio | 13.8062% | 4,146 |
| Total risk-based capital ratio | 14.4749% | 4,404 |
| Memoranda: | ||
| Average total assets | $438,083,000 | 1,556 |
| Average earning assets | $407,861,500 | 1,533 |
| Average equity | $56,189,500 | 1,352 |
| Average total loans | $324,483,000 | 1,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,737 |
| Cost of funding earning assets | 0.3827% | 3,877 |
| Net interest margin | 4.1545% | 1,420 |
| Noninterest income to average assets | 0.3397% | 4,680 |
| Noninterest expense to average assets | 3.2550% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9674% | 2,543 |
| Return on assets (ROA) | 0.9674% | 2,629 |
| Pretax return on assets | 0.9674% | 3,621 |
| Return on Equity (ROE) | 7.2767% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.2767% | 1,284 |
| Net charge-offs to loans | 0.0292% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 44.9625% | 1,002 |
| Efficiency ratio | 76.9045% | 2,368 |
| Assets per employee ($millions) | 6.6794% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 5,973 |
| Loan loss allowance to noncurrent loans | 1,040.0901% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 4,032 |
| Noncurrent loans to loans | 0.0682% | 5,608 |
| Net loans and leases to total assets | 74.4569% | 1,504 |
| Net loans and leases to deposits | 85.8031% | 2,012 |
| Net loans and leases to core deposits | 92.9152% | 2,002 |
| Total domestic deposits to total assets | 86.7766% | 2,404 |
| Equity capital to assets | 12.7453% | 1,505 |
| Core capital (leverage) ratio | 11.0176% | 2,397 |
| Tier 1 risk-based capital ratio | 13.9471% | 4,125 |
| Total risk-based capital ratio | 14.6317% | 4,418 |
| Memoranda: | ||
| Average total assets | $371,824,400 | 1,747 |
| Average earning assets | $347,499,800 | 1,722 |
| Average equity | $49,431,800 | 1,460 |
| Average total loans | $273,818,400 | 1,556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,484 |
| Cost of funding earning assets | 0.3840% | 3,972 |
| Net interest margin | 3.9492% | 2,041 |
| Noninterest income to average assets | 0.3586% | 4,566 |
| Noninterest expense to average assets | 3.2015% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8563% | 3,144 |
| Return on assets (ROA) | 0.8563% | 3,236 |
| Pretax return on assets | 0.8563% | 4,158 |
| Return on Equity (ROE) | 6.3612% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.3612% | 2,183 |
| Net charge-offs to loans | 0.0445% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.2982% | 1,487 |
| Efficiency ratio | 78.7493% | 2,081 |
| Assets per employee ($millions) | 6.6627% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 6,052 |
| Loan loss allowance to noncurrent loans | 54.8226% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 2,686 |
| Noncurrent loans to loans | 1.3211% | 2,437 |
| Net loans and leases to total assets | 72.8598% | 1,703 |
| Net loans and leases to deposits | 83.4997% | 2,223 |
| Net loans and leases to core deposits | 91.2249% | 2,091 |
| Total domestic deposits to total assets | 87.2576% | 2,172 |
| Equity capital to assets | 12.3875% | 1,781 |
| Core capital (leverage) ratio | 10.5230% | 3,015 |
| Tier 1 risk-based capital ratio | 13.8933% | 4,292 |
| Total risk-based capital ratio | 14.5930% | 4,582 |
| Memoranda: | ||
| Average total assets | $356,240,250 | 1,845 |
| Average earning assets | $333,692,500 | 1,812 |
| Average equity | $47,956,000 | 1,507 |
| Average total loans | $260,880,000 | 1,629 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,368 |
| Cost of funding earning assets | 0.3679% | 4,232 |
| Net interest margin | 3.7270% | 2,851 |
| Noninterest income to average assets | 0.4307% | 4,020 |
| Noninterest expense to average assets | 3.0294% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9001% | 2,805 |
| Return on assets (ROA) | 0.9001% | 2,899 |
| Pretax return on assets | 0.9001% | 3,889 |
| Return on Equity (ROE) | 6.4613% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.4613% | 2,058 |
| Net charge-offs to loans | -0.0637% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0320% | 2,449 |
| Assets per employee ($millions) | 8.7387% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 6,082 |
| Loan loss allowance to noncurrent loans | 46.5459% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 2,451 |
| Noncurrent loans to loans | 1.6184% | 2,148 |
| Net loans and leases to total assets | 72.8998% | 1,592 |
| Net loans and leases to deposits | 83.0088% | 2,137 |
| Net loans and leases to core deposits | 90.7606% | 2,052 |
| Total domestic deposits to total assets | 87.8218% | 2,020 |
| Equity capital to assets | 11.8769% | 2,080 |
| Core capital (leverage) ratio | 14.3513% | 742 |
| Tier 1 risk-based capital ratio | 13.3357% | 4,700 |
| Total risk-based capital ratio | 14.0654% | 4,966 |
| Memoranda: | ||
| Average total assets | $330,629,330 | 1,975 |
| Average earning assets | $310,386,670 | 1,938 |
| Average equity | $46,059,000 | 1,555 |
| Average total loans | $241,894,000 | 1,747 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 1,779 |
| Cost of funding earning assets | 0.4266% | 3,677 |
| Net interest margin | 4.0859% | 1,502 |
| Noninterest income to average assets | 0.7499% | 1,957 |
| Noninterest expense to average assets | 3.1694% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4939% | 830 |
| Return on assets (ROA) | 1.4939% | 858 |
| Pretax return on assets | 1.4939% | 1,443 |
| Return on Equity (ROE) | 9.5724% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.5724% | 1,086 |
| Net charge-offs to loans | -0.1105% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9648% | 4,191 |
| Assets per employee ($millions) | 7.1505% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,519 |
| Loan loss allowance to noncurrent loans | 54.8474% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 2,204 |
| Noncurrent loans to loans | 2.2338% | 1,618 |
| Net loans and leases to total assets | 70.6548% | 1,779 |
| Net loans and leases to deposits | 90.0406% | 1,147 |
| Net loans and leases to core deposits | 97.4056% | 1,284 |
| Total domestic deposits to total assets | 78.4699% | 5,758 |
| Equity capital to assets | 18.7467% | 272 |
| Core capital (leverage) ratio | 20.0152% | 204 |
| Tier 1 risk-based capital ratio | 23.6245% | 1,055 |
| Total risk-based capital ratio | 24.7371% | 1,056 |
| Memoranda: | ||
| Average total assets | $273,108,000 | 2,356 |
| Average earning assets | $261,585,500 | 2,274 |
| Average equity | $42,622,500 | 1,674 |
| Average total loans | $199,161,000 | 2,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 999 |
| Cost of funding earning assets | 0.5524% | 3,091 |
| Net interest margin | 4.4059% | 900 |
| Noninterest income to average assets | 0.2641% | 5,456 |
| Noninterest expense to average assets | 3.2291% | 2,331 |
| Loan and lease loss provision to assets | -0.0266% | 6,316 |
| Net operating income to assets | 1.2618% | 1,356 |
| Return on assets (ROA) | 1.2618% | 1,413 |
| Pretax return on assets | 1.2618% | 2,309 |
| Return on Equity (ROE) | 10.0868% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,345 |
| Net charge-offs to loans | -0.0551% | 6,353 |
| Credit loss provision to net charge-offs | 65.4206% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3321% | 3,410 |
| Assets per employee ($millions) | 7.0354% | 749 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 4,651 |
| Loan loss allowance to noncurrent loans | 44.1835% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.0317% | 1,035 |
| Noncurrent loans to loans | 2.7192% | 1,334 |
| Net loans and leases to total assets | 73.4831% | 1,440 |
| Net loans and leases to deposits | 88.2059% | 1,437 |
| Net loans and leases to core deposits | 95.0914% | 1,523 |
| Total domestic deposits to total assets | 83.3085% | 4,425 |
| Equity capital to assets | 12.3308% | 1,605 |
| Core capital (leverage) ratio | 12.5390% | 1,337 |
| Tier 1 risk-based capital ratio | 14.7719% | 3,803 |
| Total risk-based capital ratio | 15.8390% | 3,844 |
| Memoranda: | ||
| Average total assets | $262,798,800 | 2,407 |
| Average earning assets | $250,525,200 | 2,319 |
| Average equity | $32,874,600 | 2,093 |
| Average total loans | $194,300,400 | 2,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 846 |
| Cost of funding earning assets | 0.5880% | 2,920 |
| Net interest margin | 4.4631% | 782 |
| Noninterest income to average assets | 0.2675% | 5,537 |
| Noninterest expense to average assets | 3.2020% | 2,361 |
| Loan and lease loss provision to assets | -0.0357% | 6,528 |
| Net operating income to assets | 1.3518% | 1,223 |
| Return on assets (ROA) | 1.3518% | 1,268 |
| Pretax return on assets | 1.3518% | 2,117 |
| Return on Equity (ROE) | 10.7673% | 1,896 |
| Retained earnings to average equity (ytd only) | 2.6502% | 4,737 |
| Net charge-offs to loans | -0.0511% | 6,316 |
| Credit loss provision to net charge-offs | 94.5946% | 2,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8695% | 3,622 |
| Assets per employee ($millions) | 6.9513% | 771 |
| Cash dividends to net income (ytd only)* | 75.3865% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 4,953 |
| Loan loss allowance to noncurrent loans | 40.3632% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.2311% | 1,101 |
| Noncurrent loans to loans | 2.9292% | 1,393 |
| Net loans and leases to total assets | 74.5472% | 1,207 |
| Net loans and leases to deposits | 94.5797% | 784 |
| Net loans and leases to core deposits | 101.2406% | 1,042 |
| Total domestic deposits to total assets | 78.8194% | 5,782 |
| Equity capital to assets | 12.3200% | 1,694 |
| Core capital (leverage) ratio | 12.4061% | 1,466 |
| Tier 1 risk-based capital ratio | 14.3603% | 4,176 |
| Total risk-based capital ratio | 15.4060% | 4,265 |
| Memoranda: | ||
| Average total assets | $261,662,000 | 2,438 |
| Average earning assets | $249,208,000 | 2,344 |
| Average equity | $32,851,750 | 2,110 |
| Average total loans | $193,164,750 | 2,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,588 |
| Cost of funding earning assets | 0.6321% | 2,664 |
| Net interest margin | 4.0603% | 1,663 |
| Noninterest income to average assets | 0.2607% | 5,594 |
| Noninterest expense to average assets | 3.1767% | 2,420 |
| Loan and lease loss provision to assets | -0.0767% | 6,681 |
| Net operating income to assets | 1.0367% | 2,172 |
| Return on assets (ROA) | 1.0367% | 2,288 |
| Pretax return on assets | 1.0367% | 3,345 |
| Return on Equity (ROE) | 8.2052% | 2,987 |
| Retained earnings to average equity (ytd only) | -3.9327% | 6,392 |
| Net charge-offs to loans | -0.0858% | 6,459 |
| Credit loss provision to net charge-offs | 121.9512% | 1,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7933% | 2,668 |
| Assets per employee ($millions) | 6.6158% | 859 |
| Cash dividends to net income (ytd only)* | 147.9290% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,900 |
| Loan loss allowance to noncurrent loans | 28.8362% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 4.1827% | 810 |
| Noncurrent loans to loans | 4.2182% | 883 |
| Net loans and leases to total assets | 73.4627% | 1,331 |
| Net loans and leases to deposits | 86.6524% | 1,490 |
| Net loans and leases to core deposits | 94.5461% | 1,472 |
| Total domestic deposits to total assets | 84.7786% | 4,007 |
| Equity capital to assets | 12.2662% | 1,729 |
| Core capital (leverage) ratio | 12.1906% | 1,513 |
| Tier 1 risk-based capital ratio | 14.4286% | 4,143 |
| Total risk-based capital ratio | 15.5118% | 4,201 |
| Memoranda: | ||
| Average total assets | $260,833,330 | 2,455 |
| Average earning assets | $248,996,330 | 2,354 |
| Average equity | $32,954,670 | 2,111 |
| Average total loans | $191,129,330 | 2,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 1,209 |
| Cost of funding earning assets | 0.6680% | 2,496 |
| Net interest margin | 4.1723% | 1,273 |
| Noninterest income to average assets | 0.2563% | 5,624 |
| Noninterest expense to average assets | 3.1955% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0433% | 2,063 |
| Return on assets (ROA) | 1.0433% | 2,169 |
| Pretax return on assets | 1.0433% | 3,173 |
| Return on Equity (ROE) | 8.1410% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.1410% | 1,697 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3868% | 3,026 |
| Assets per employee ($millions) | 6.7487% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,986 |
| Loan loss allowance to noncurrent loans | 59.7257% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7339% | 1,662 |
| Noncurrent loans to loans | 2.0806% | 2,532 |
| Net loans and leases to total assets | 72.8876% | 1,220 |
| Net loans and leases to deposits | 86.2106% | 1,332 |
| Net loans and leases to core deposits | 94.1099% | 1,340 |
| Total domestic deposits to total assets | 84.5460% | 4,250 |
| Equity capital to assets | 13.1975% | 1,341 |
| Core capital (leverage) ratio | 12.6443% | 1,279 |
| Tier 1 risk-based capital ratio | 15.3142% | 3,645 |
| Total risk-based capital ratio | 16.4273% | 3,673 |
| Memoranda: | ||
| Average total assets | $262,241,000 | 2,472 |
| Average earning assets | $250,317,500 | 2,375 |
| Average equity | $33,607,500 | 2,102 |
| Average total loans | $190,753,500 | 2,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 2,131 |
| Cost of funding earning assets | 0.8262% | 2,454 |
| Net interest margin | 3.9907% | 2,428 |
| Noninterest income to average assets | 0.1490% | 6,295 |
| Noninterest expense to average assets | 3.0854% | 2,972 |
| Loan and lease loss provision to assets | 0.2808% | 2,406 |
| Net operating income to assets | 0.5777% | 4,348 |
| Return on assets (ROA) | 0.7647% | 3,689 |
| Pretax return on assets | 0.7647% | 4,436 |
| Return on Equity (ROE) | 5.9618% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.1083% | 5,781 |
| Net charge-offs to loans | 0.6696% | 1,760 |
| Credit loss provision to net charge-offs | 60.1286% | 4,439 |
| Earnings coverage of net charge-offs (x) | 1.8384% | 4,513 |
| Efficiency ratio | 78.2315% | 2,410 |
| Assets per employee ($millions) | 6.8726% | 817 |
| Cash dividends to net income (ytd only)* | 98.1836% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,002 |
| Loan loss allowance to noncurrent loans | 78.4523% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.2650% | 2,169 |
| Noncurrent loans to loans | 1.5596% | 3,276 |
| Net loans and leases to total assets | 70.8433% | 1,675 |
| Net loans and leases to deposits | 83.0710% | 1,875 |
| Net loans and leases to core deposits | 91.5473% | 1,671 |
| Total domestic deposits to total assets | 85.2804% | 3,722 |
| Equity capital to assets | 12.4501% | 1,747 |
| Core capital (leverage) ratio | 12.3290% | 1,389 |
| Tier 1 risk-based capital ratio | 14.9348% | 3,754 |
| Total risk-based capital ratio | 16.0507% | 3,787 |
| Memoranda: | ||
| Average total assets | $266,384,200 | 2,384 |
| Average earning assets | $253,313,200 | 2,285 |
| Average equity | $34,167,600 | 2,025 |
| Average total loans | $185,787,600 | 2,134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 2,301 |
| Cost of funding earning assets | 0.8547% | 2,504 |
| Net interest margin | 3.9688% | 2,632 |
| Noninterest income to average assets | 0.2286% | 5,913 |
| Noninterest expense to average assets | 3.1426% | 2,746 |
| Loan and lease loss provision to assets | 0.2872% | 2,273 |
| Net operating income to assets | 0.5720% | 4,512 |
| Return on assets (ROA) | 0.7519% | 3,939 |
| Pretax return on assets | 0.7519% | 4,671 |
| Return on Equity (ROE) | 5.8194% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.8194% | 2,817 |
| Net charge-offs to loans | 0.8463% | 1,302 |
| Credit loss provision to net charge-offs | 49.0163% | 4,425 |
| Earnings coverage of net charge-offs (x) | 1.4662% | 4,551 |
| Efficiency ratio | 78.5294% | 2,310 |
| Assets per employee ($millions) | 6.7132% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,495 |
| Loan loss allowance to noncurrent loans | 63.7238% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.6053% | 2,024 |
| Noncurrent loans to loans | 1.8129% | 3,061 |
| Net loans and leases to total assets | 73.5972% | 1,306 |
| Net loans and leases to deposits | 87.3650% | 1,434 |
| Net loans and leases to core deposits | 95.9874% | 1,413 |
| Total domestic deposits to total assets | 84.2410% | 4,109 |
| Equity capital to assets | 13.4386% | 1,377 |
| Core capital (leverage) ratio | 12.8453% | 1,255 |
| Tier 1 risk-based capital ratio | 15.6115% | 3,469 |
| Total risk-based capital ratio | 16.6778% | 3,531 |
| Memoranda: | ||
| Average total assets | $265,972,500 | 2,410 |
| Average earning assets | $252,868,750 | 2,320 |
| Average equity | $34,367,000 | 2,029 |
| Average total loans | $184,176,000 | 2,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 2,412 |
| Cost of funding earning assets | 0.8812% | 2,547 |
| Net interest margin | 3.9436% | 2,736 |
| Noninterest income to average assets | 0.2207% | 5,991 |
| Noninterest expense to average assets | 3.0910% | 2,954 |
| Loan and lease loss provision to assets | 0.3621% | 1,826 |
| Net operating income to assets | 0.5139% | 4,749 |
| Return on assets (ROA) | 0.6456% | 4,389 |
| Pretax return on assets | 0.6456% | 4,982 |
| Return on Equity (ROE) | 5.0624% | 4,782 |
| Retained earnings to average equity (ytd only) | 5.0624% | 3,246 |
| Net charge-offs to loans | 1.1020% | 987 |
| Credit loss provision to net charge-offs | 48.6432% | 4,067 |
| Earnings coverage of net charge-offs (x) | 1.1769% | 4,421 |
| Efficiency ratio | 77.9182% | 2,467 |
| Assets per employee ($millions) | 6.9476% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,194 |
| Loan loss allowance to noncurrent loans | 63.1110% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.6477% | 2,087 |
| Noncurrent loans to loans | 1.9536% | 2,998 |
| Net loans and leases to total assets | 70.9102% | 1,747 |
| Net loans and leases to deposits | 85.3934% | 1,672 |
| Net loans and leases to core deposits | 97.1127% | 1,337 |
| Total domestic deposits to total assets | 83.0395% | 4,742 |
| Equity capital to assets | 13.1175% | 1,465 |
| Core capital (leverage) ratio | 12.5177% | 1,344 |
| Tier 1 risk-based capital ratio | 15.6293% | 3,374 |
| Total risk-based capital ratio | 16.7514% | 3,406 |
| Memoranda: | ||
| Average total assets | $267,359,000 | 2,393 |
| Average earning assets | $253,981,670 | 2,321 |
| Average equity | $34,094,670 | 2,030 |
| Average total loans | $180,588,330 | 2,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,773 |
| Cost of funding earning assets | 0.9034% | 2,658 |
| Net interest margin | 3.8636% | 3,081 |
| Noninterest income to average assets | 0.2141% | 6,089 |
| Noninterest expense to average assets | 3.1208% | 2,850 |
| Loan and lease loss provision to assets | 0.5903% | 975 |
| Net operating income to assets | 0.1784% | 6,046 |
| Return on assets (ROA) | 0.4401% | 5,276 |
| Pretax return on assets | 0.4401% | 5,615 |
| Return on Equity (ROE) | 3.5002% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.5002% | 4,477 |
| Net charge-offs to loans | 1.5649% | 639 |
| Credit loss provision to net charge-offs | 57.6197% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.7504% | 3,959 |
| Efficiency ratio | 80.2370% | 2,170 |
| Assets per employee ($millions) | 7.2176% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,422 |
| Loan loss allowance to noncurrent loans | 50.2952% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 1,851 |
| Noncurrent loans to loans | 2.8625% | 2,255 |
| Net loans and leases to total assets | 65.5243% | 2,555 |
| Net loans and leases to deposits | 79.1285% | 2,326 |
| Net loans and leases to core deposits | 89.4757% | 1,903 |
| Total domestic deposits to total assets | 82.8075% | 5,004 |
| Equity capital to assets | 12.6552% | 1,623 |
| Core capital (leverage) ratio | 12.0012% | 1,588 |
| Tier 1 risk-based capital ratio | 16.2385% | 3,053 |
| Total risk-based capital ratio | 17.4893% | 3,011 |
| Memoranda: | ||
| Average total assets | $269,035,000 | 2,393 |
| Average earning assets | $255,926,000 | 2,316 |
| Average equity | $33,826,500 | 2,048 |
| Average total loans | $176,110,000 | 2,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 3,263 |
| Cost of funding earning assets | 1.1295% | 2,476 |
| Net interest margin | 3.7916% | 3,868 |
| Noninterest income to average assets | 0.1814% | 6,194 |
| Noninterest expense to average assets | 2.9215% | 3,874 |
| Loan and lease loss provision to assets | 0.3056% | 3,224 |
| Net operating income to assets | 0.5814% | 4,092 |
| Return on assets (ROA) | 0.8151% | 3,142 |
| Pretax return on assets | 0.8151% | 3,927 |
| Return on Equity (ROE) | 6.4942% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.4942% | 1,738 |
| Net charge-offs to loans | 0.0697% | 5,611 |
| Credit loss provision to net charge-offs | 647.5410% | 347 |
| Earnings coverage of net charge-offs (x) | 18.7951% | 1,195 |
| Efficiency ratio | 76.7090% | 2,787 |
| Assets per employee ($millions) | 7.3248% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,464 |
| Loan loss allowance to noncurrent loans | 49.8861% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.1765% | 1,880 |
| Noncurrent loans to loans | 3.2683% | 1,981 |
| Net loans and leases to total assets | 63.4024% | 3,308 |
| Net loans and leases to deposits | 74.3517% | 3,441 |
| Net loans and leases to core deposits | 83.5836% | 2,945 |
| Total domestic deposits to total assets | 85.2737% | 3,706 |
| Equity capital to assets | 12.4925% | 1,802 |
| Core capital (leverage) ratio | 11.7991% | 1,710 |
| Tier 1 risk-based capital ratio | 16.1692% | 2,967 |
| Total risk-based capital ratio | 17.4216% | 2,934 |
| Memoranda: | ||
| Average total assets | $258,500,600 | 2,441 |
| Average earning assets | $247,282,800 | 2,333 |
| Average equity | $32,444,400 | 2,054 |
| Average total loans | $174,991,800 | 2,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 3,063 |
| Cost of funding earning assets | 1.1759% | 2,478 |
| Net interest margin | 3.8288% | 3,727 |
| Noninterest income to average assets | 0.1786% | 6,309 |
| Noninterest expense to average assets | 2.9039% | 3,915 |
| Loan and lease loss provision to assets | 0.2611% | 3,417 |
| Net operating income to assets | 0.6787% | 3,725 |
| Return on assets (ROA) | 0.9283% | 2,780 |
| Pretax return on assets | 0.9283% | 3,658 |
| Return on Equity (ROE) | 7.3871% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,779 |
| Net charge-offs to loans | -0.0046% | 6,709 |
| Credit loss provision to net charge-offs | -8,333.3333% | 6,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5501% | 2,908 |
| Assets per employee ($millions) | 7.3351% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 3,926 |
| Loan loss allowance to noncurrent loans | 43.0725% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.8703% | 1,594 |
| Noncurrent loans to loans | 3.5692% | 1,926 |
| Net loans and leases to total assets | 65.1487% | 3,076 |
| Net loans and leases to deposits | 76.6099% | 3,225 |
| Net loans and leases to core deposits | 86.8959% | 2,661 |
| Total domestic deposits to total assets | 85.0395% | 3,751 |
| Equity capital to assets | 12.7777% | 1,736 |
| Core capital (leverage) ratio | 12.2581% | 1,556 |
| Tier 1 risk-based capital ratio | 16.2588% | 2,988 |
| Total risk-based capital ratio | 17.5107% | 2,954 |
| Memoranda: | ||
| Average total assets | $255,371,250 | 2,480 |
| Average earning assets | $244,455,500 | 2,361 |
| Average equity | $32,091,250 | 2,067 |
| Average total loans | $175,069,750 | 2,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 3,253 |
| Cost of funding earning assets | 1.2156% | 2,472 |
| Net interest margin | 3.7647% | 3,966 |
| Noninterest income to average assets | 0.1806% | 6,368 |
| Noninterest expense to average assets | 2.9643% | 3,780 |
| Loan and lease loss provision to assets | 0.2693% | 3,239 |
| Net operating income to assets | 0.5632% | 4,248 |
| Return on assets (ROA) | 0.7811% | 3,280 |
| Pretax return on assets | 0.7811% | 4,095 |
| Return on Equity (ROE) | 6.2521% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.2521% | 2,267 |
| Net charge-offs to loans | -0.0046% | 6,578 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0722% | 2,698 |
| Assets per employee ($millions) | 6.9263% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,469 |
| Loan loss allowance to noncurrent loans | 28.9350% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 3.8268% | 1,692 |
| Noncurrent loans to loans | 4.9186% | 1,336 |
| Net loans and leases to total assets | 68.2176% | 2,576 |
| Net loans and leases to deposits | 80.1452% | 2,763 |
| Net loans and leases to core deposits | 91.3678% | 2,210 |
| Total domestic deposits to total assets | 85.1175% | 3,826 |
| Equity capital to assets | 12.6892% | 1,687 |
| Core capital (leverage) ratio | 12.0056% | 1,592 |
| Tier 1 risk-based capital ratio | 15.9436% | 3,004 |
| Total risk-based capital ratio | 17.1946% | 2,973 |
| Memoranda: | ||
| Average total assets | $252,474,330 | 2,518 |
| Average earning assets | $242,515,330 | 2,398 |
| Average equity | $31,541,330 | 2,087 |
| Average total loans | $175,186,670 | 2,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 4,034 |
| Cost of funding earning assets | 1.2308% | 2,622 |
| Net interest margin | 3.5745% | 4,691 |
| Noninterest income to average assets | 0.1772% | 6,457 |
| Noninterest expense to average assets | 2.9596% | 3,820 |
| Loan and lease loss provision to assets | 0.3432% | 2,509 |
| Net operating income to assets | 0.3097% | 5,361 |
| Return on assets (ROA) | 0.7072% | 3,557 |
| Pretax return on assets | 0.7072% | 4,280 |
| Return on Equity (ROE) | 5.7065% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.7065% | 2,796 |
| Net charge-offs to loans | -0.0092% | 6,348 |
| Credit loss provision to net charge-offs | -5,375.0000% | 6,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9266% | 2,241 |
| Assets per employee ($millions) | 7.4751% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 4,852 |
| Loan loss allowance to noncurrent loans | 25.6003% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 3.7679% | 1,795 |
| Noncurrent loans to loans | 5.3157% | 1,240 |
| Net loans and leases to total assets | 66.4646% | 2,888 |
| Net loans and leases to deposits | 77.3216% | 3,187 |
| Net loans and leases to core deposits | 86.7684% | 2,763 |
| Total domestic deposits to total assets | 85.9587% | 3,546 |
| Equity capital to assets | 11.9169% | 1,970 |
| Core capital (leverage) ratio | 12.2365% | 1,438 |
| Tier 1 risk-based capital ratio | 15.5343% | 3,145 |
| Total risk-based capital ratio | 16.7746% | 3,100 |
| Memoranda: | ||
| Average total assets | $250,574,500 | 2,566 |
| Average earning assets | $240,818,500 | 2,440 |
| Average equity | $31,052,500 | 2,110 |
| Average total loans | $174,106,000 | 2,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 2,642 |
| Cost of funding earning assets | 1.4941% | 2,683 |
| Net interest margin | 3.9125% | 3,428 |
| Noninterest income to average assets | 0.0382% | 7,164 |
| Noninterest expense to average assets | 2.8834% | 4,304 |
| Loan and lease loss provision to assets | 0.2810% | 4,562 |
| Net operating income to assets | 0.6309% | 3,526 |
| Return on assets (ROA) | 0.7144% | 3,303 |
| Pretax return on assets | 0.7144% | 3,926 |
| Return on Equity (ROE) | 5.6603% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.6603% | 2,011 |
| Net charge-offs to loans | 0.3448% | 4,288 |
| Credit loss provision to net charge-offs | 108.6039% | 4,068 |
| Earnings coverage of net charge-offs (x) | 3.5244% | 3,320 |
| Efficiency ratio | 75.9739% | 3,058 |
| Assets per employee ($millions) | 7.2582% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,171 |
| Loan loss allowance to noncurrent loans | 24.8009% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 4.0477% | 1,675 |
| Noncurrent loans to loans | 5.1128% | 1,301 |
| Net loans and leases to total assets | 70.8677% | 2,339 |
| Net loans and leases to deposits | 83.7253% | 2,496 |
| Net loans and leases to core deposits | 94.0686% | 2,247 |
| Total domestic deposits to total assets | 84.6431% | 4,033 |
| Equity capital to assets | 12.9120% | 1,436 |
| Core capital (leverage) ratio | 12.0943% | 1,483 |
| Tier 1 risk-based capital ratio | 15.6029% | 2,950 |
| Total risk-based capital ratio | 16.7530% | 2,958 |
| Memoranda: | ||
| Average total assets | $238,091,000 | 2,660 |
| Average earning assets | $228,628,000 | 2,540 |
| Average equity | $30,051,600 | 2,170 |
| Average total loans | $178,642,800 | 2,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 2,308 |
| Cost of funding earning assets | 1.5279% | 2,785 |
| Net interest margin | 4.0071% | 3,072 |
| Noninterest income to average assets | 0.0202% | 7,390 |
| Noninterest expense to average assets | 2.9276% | 3,989 |
| Loan and lease loss provision to assets | 0.2490% | 4,601 |
| Net operating income to assets | 0.6870% | 3,483 |
| Return on assets (ROA) | 0.7986% | 3,165 |
| Pretax return on assets | 0.7986% | 3,910 |
| Return on Equity (ROE) | 6.3642% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.3642% | 2,166 |
| Net charge-offs to loans | 0.2211% | 4,617 |
| Credit loss provision to net charge-offs | 148.4950% | 2,630 |
| Earnings coverage of net charge-offs (x) | 5.5819% | 2,713 |
| Efficiency ratio | 75.7730% | 2,994 |
| Assets per employee ($millions) | 7.5345% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 5,046 |
| Loan loss allowance to noncurrent loans | 25.7188% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 3.9531% | 1,775 |
| Noncurrent loans to loans | 4.9928% | 1,383 |
| Net loans and leases to total assets | 70.2472% | 2,677 |
| Net loans and leases to deposits | 82.2977% | 3,045 |
| Net loans and leases to core deposits | 94.1904% | 2,502 |
| Total domestic deposits to total assets | 85.3575% | 3,429 |
| Equity capital to assets | 12.2841% | 1,984 |
| Core capital (leverage) ratio | 12.0652% | 1,637 |
| Tier 1 risk-based capital ratio | 15.1890% | 3,163 |
| Total risk-based capital ratio | 16.3679% | 3,175 |
| Memoranda: | ||
| Average total assets | $237,733,500 | 2,695 |
| Average earning assets | $228,024,750 | 2,582 |
| Average equity | $29,832,750 | 2,210 |
| Average total loans | $180,322,750 | 2,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5459% | 2,349 |
| Cost of funding earning assets | 1.5746% | 2,803 |
| Net interest margin | 3.9713% | 3,153 |
| Noninterest income to average assets | -0.0333% | 7,573 |
| Noninterest expense to average assets | 2.9500% | 3,891 |
| Loan and lease loss provision to assets | 0.2127% | 4,758 |
| Net operating income to assets | 0.6134% | 3,822 |
| Return on assets (ROA) | 0.7834% | 3,194 |
| Pretax return on assets | 0.7834% | 3,936 |
| Return on Equity (ROE) | 6.1968% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.1968% | 2,230 |
| Net charge-offs to loans | 0.3296% | 3,675 |
| Credit loss provision to net charge-offs | 83.2776% | 4,621 |
| Earnings coverage of net charge-offs (x) | 3.2341% | 3,398 |
| Efficiency ratio | 78.1222% | 2,709 |
| Assets per employee ($millions) | 7.2277% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,682 |
| Loan loss allowance to noncurrent loans | 20.1435% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 4.9712% | 1,302 |
| Noncurrent loans to loans | 5.7182% | 1,138 |
| Net loans and leases to total assets | 74.7295% | 1,757 |
| Net loans and leases to deposits | 87.9308% | 2,182 |
| Net loans and leases to core deposits | 99.9114% | 2,025 |
| Total domestic deposits to total assets | 84.9867% | 3,637 |
| Equity capital to assets | 12.6462% | 1,715 |
| Core capital (leverage) ratio | 11.8724% | 1,719 |
| Tier 1 risk-based capital ratio | 14.4217% | 3,484 |
| Total risk-based capital ratio | 15.4663% | 3,561 |
| Memoranda: | ||
| Average total assets | $234,098,330 | 2,759 |
| Average earning assets | $224,563,330 | 2,630 |
| Average equity | $29,596,000 | 2,217 |
| Average total loans | $181,452,330 | 2,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 2,685 |
| Cost of funding earning assets | 1.5769% | 3,092 |
| Net interest margin | 3.9037% | 3,310 |
| Noninterest income to average assets | -0.1811% | 7,799 |
| Noninterest expense to average assets | 3.0066% | 3,657 |
| Loan and lease loss provision to assets | 0.1725% | 4,797 |
| Net operating income to assets | 0.3847% | 4,908 |
| Return on assets (ROA) | 0.7279% | 3,429 |
| Pretax return on assets | 0.7279% | 4,136 |
| Return on Equity (ROE) | 5.7586% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.7586% | 2,737 |
| Net charge-offs to loans | -0.0110% | 6,910 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3659% | 1,990 |
| Assets per employee ($millions) | 7.1617% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,500 |
| Loan loss allowance to noncurrent loans | 29.3491% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 4.0988% | 1,671 |
| Noncurrent loans to loans | 4.0888% | 1,898 |
| Net loans and leases to total assets | 77.7554% | 1,198 |
| Net loans and leases to deposits | 91.3354% | 1,706 |
| Net loans and leases to core deposits | 107.6753% | 1,445 |
| Total domestic deposits to total assets | 85.1318% | 3,594 |
| Equity capital to assets | 12.4882% | 1,765 |
| Core capital (leverage) ratio | 12.1984% | 1,547 |
| Tier 1 risk-based capital ratio | 13.7633% | 3,823 |
| Total risk-based capital ratio | 14.8517% | 3,887 |
| Memoranda: | ||
| Average total assets | $231,890,000 | 2,855 |
| Average earning assets | $222,457,500 | 2,707 |
| Average equity | $29,312,500 | 2,263 |
| Average total loans | $182,019,500 | 2,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 2,405 |
| Cost of funding earning assets | 2.2160% | 1,963 |
| Net interest margin | 3.6448% | 4,372 |
| Noninterest income to average assets | 0.1004% | 7,262 |
| Noninterest expense to average assets | 2.9495% | 4,341 |
| Loan and lease loss provision to assets | 0.3411% | 4,756 |
| Net operating income to assets | 0.3349% | 4,391 |
| Return on assets (ROA) | 0.4207% | 4,149 |
| Pretax return on assets | 0.4207% | 4,434 |
| Return on Equity (ROE) | 3.1326% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.1326% | 2,965 |
| Net charge-offs to loans | 0.0994% | 6,142 |
| Credit loss provision to net charge-offs | 441.7178% | 704 |
| Earnings coverage of net charge-offs (x) | 8.7546% | 1,902 |
| Efficiency ratio | 81.3537% | 2,690 |
| Assets per employee ($millions) | 7.3369% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,402 |
| Loan loss allowance to noncurrent loans | 54.9754% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.6943% | 2,599 |
| Noncurrent loans to loans | 2.1731% | 3,415 |
| Net loans and leases to total assets | 77.3448% | 1,512 |
| Net loans and leases to deposits | 91.3987% | 1,986 |
| Net loans and leases to core deposits | 155.3905% | 404 |
| Total domestic deposits to total assets | 84.6235% | 3,744 |
| Equity capital to assets | 12.7992% | 1,594 |
| Core capital (leverage) ratio | 12.3267% | 1,517 |
| Tier 1 risk-based capital ratio | 13.8492% | 3,602 |
| Total risk-based capital ratio | 14.9086% | 3,651 |
| Memoranda: | ||
| Average total assets | $211,083,400 | 3,057 |
| Average earning assets | $204,154,000 | 2,917 |
| Average equity | $28,347,400 | 2,344 |
| Average total loans | $163,939,400 | 2,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9023% | 2,440 |
| Cost of funding earning assets | 2.3261% | 1,889 |
| Net interest margin | 3.5762% | 4,565 |
| Noninterest income to average assets | 0.1101% | 7,355 |
| Noninterest expense to average assets | 2.9733% | 4,152 |
| Loan and lease loss provision to assets | 0.3672% | 4,116 |
| Net operating income to assets | 0.2358% | 5,036 |
| Return on assets (ROA) | 0.3523% | 4,686 |
| Pretax return on assets | 0.3523% | 4,922 |
| Return on Equity (ROE) | 2.5902% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.5902% | 3,869 |
| Net charge-offs to loans | 0.1396% | 5,306 |
| Credit loss provision to net charge-offs | 339.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 5.5715% | 2,784 |
| Efficiency ratio | 83.1412% | 2,412 |
| Assets per employee ($millions) | 7.7115% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,464 |
| Loan loss allowance to noncurrent loans | 99.2451% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9750% | 3,380 |
| Noncurrent loans to loans | 1.1508% | 5,018 |
| Net loans and leases to total assets | 73.7794% | 2,595 |
| Net loans and leases to deposits | 84.6543% | 3,542 |
| Net loans and leases to core deposits | 160.0782% | 380 |
| Total domestic deposits to total assets | 87.1538% | 2,102 |
| Equity capital to assets | 12.4316% | 1,990 |
| Core capital (leverage) ratio | 12.8221% | 1,437 |
| Tier 1 risk-based capital ratio | 14.1705% | 3,458 |
| Total risk-based capital ratio | 15.1872% | 3,533 |
| Memoranda: | ||
| Average total assets | $206,993,250 | 3,111 |
| Average earning assets | $200,617,000 | 2,977 |
| Average equity | $28,156,500 | 2,380 |
| Average total loans | $160,413,500 | 2,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0002% | 2,177 |
| Cost of funding earning assets | 2.4579% | 1,754 |
| Net interest margin | 3.5423% | 4,607 |
| Noninterest income to average assets | 0.1106% | 7,433 |
| Noninterest expense to average assets | 3.1065% | 3,676 |
| Loan and lease loss provision to assets | 0.3520% | 3,817 |
| Net operating income to assets | 0.0885% | 5,597 |
| Return on assets (ROA) | 0.2705% | 5,110 |
| Pretax return on assets | 0.2705% | 5,274 |
| Return on Equity (ROE) | 1.9245% | 5,332 |
| Retained earnings to average equity (ytd only) | 1.9245% | 4,271 |
| Net charge-offs to loans | 0.1676% | 4,547 |
| Credit loss provision to net charge-offs | 267.1756% | 1,747 |
| Earnings coverage of net charge-offs (x) | 3.3435% | 3,474 |
| Efficiency ratio | 87.5815% | 2,062 |
| Assets per employee ($millions) | 7.3594% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,547 |
| Loan loss allowance to noncurrent loans | 62.3780% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.1582% | 2,987 |
| Noncurrent loans to loans | 1.7755% | 3,841 |
| Net loans and leases to total assets | 74.8499% | 2,480 |
| Net loans and leases to deposits | 86.6147% | 3,436 |
| Net loans and leases to core deposits | 167.9091% | 349 |
| Total domestic deposits to total assets | 86.4171% | 2,558 |
| Equity capital to assets | 13.1888% | 1,615 |
| Core capital (leverage) ratio | 13.1323% | 1,390 |
| Tier 1 risk-based capital ratio | 14.9203% | 3,059 |
| Total risk-based capital ratio | 15.9007% | 3,113 |
| Memoranda: | ||
| Average total assets | $198,876,000 | 3,240 |
| Average earning assets | $192,927,670 | 3,109 |
| Average equity | $27,955,330 | 2,407 |
| Average total loans | $156,332,330 | 2,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1228% | 1,855 |
| Cost of funding earning assets | 2.5865% | 1,604 |
| Net interest margin | 3.5363% | 4,583 |
| Noninterest income to average assets | 0.0459% | 7,856 |
| Noninterest expense to average assets | 2.9937% | 3,795 |
| Loan and lease loss provision to assets | 0.3862% | 3,009 |
| Net operating income to assets | 0.0939% | 5,997 |
| Return on assets (ROA) | 0.0939% | 6,160 |
| Pretax return on assets | 0.0939% | 6,181 |
| Return on Equity (ROE) | 0.6461% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.6461% | 5,403 |
| Net charge-offs to loans | 0.3174% | 2,830 |
| Credit loss provision to net charge-offs | 151.6393% | 2,753 |
| Earnings coverage of net charge-offs (x) | 1.8852% | 3,776 |
| Efficiency ratio | 86.1779% | 2,046 |
| Assets per employee ($millions) | 6.8840% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,054 |
| Loan loss allowance to noncurrent loans | 191.2178% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 3,878 |
| Noncurrent loans to loans | 0.5321% | 6,088 |
| Net loans and leases to total assets | 76.9203% | 2,058 |
| Net loans and leases to deposits | 89.3372% | 3,042 |
| Net loans and leases to core deposits | 147.5292% | 794 |
| Total domestic deposits to total assets | 86.1010% | 2,661 |
| Equity capital to assets | 13.5803% | 1,502 |
| Core capital (leverage) ratio | 13.5827% | 1,305 |
| Tier 1 risk-based capital ratio | 15.1801% | 2,981 |
| Total risk-based capital ratio | 16.0995% | 3,063 |
| Memoranda: | ||
| Average total assets | $191,602,500 | 3,339 |
| Average earning assets | $185,733,000 | 3,216 |
| Average equity | $27,859,000 | 2,427 |
| Average total loans | $153,730,500 | 2,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5764% | 2,597 |
| Cost of funding earning assets | 2.6920% | 3,194 |
| Net interest margin | 3.8844% | 3,641 |
| Noninterest income to average assets | 0.0398% | 7,937 |
| Noninterest expense to average assets | 3.7892% | 1,775 |
| Loan and lease loss provision to assets | 1.0827% | 1,342 |
| Net operating income to assets | -1.0811% | 7,283 |
| Return on assets (ROA) | -1.0811% | 7,217 |
| Pretax return on assets | -1.0811% | 7,047 |
| Return on Equity (ROE) | -4.6301% | 6,822 |
| Retained earnings to average equity (ytd only) | -4.6301% | 6,444 |
| Net charge-offs to loans | 0.2650% | 3,636 |
| Credit loss provision to net charge-offs | 455.4007% | 962 |
| Earnings coverage of net charge-offs (x) | 0.0070% | 6,241 |
| Efficiency ratio | 99.9563% | 986 |
| Assets per employee ($millions) | 6.3102% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,493 |
| Loan loss allowance to noncurrent loans | 78.6573% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 3,420 |
| Noncurrent loans to loans | 1.3581% | 3,804 |
| Net loans and leases to total assets | 82.2946% | 1,174 |
| Net loans and leases to deposits | 98.1220% | 2,105 |
| Net loans and leases to core deposits | 137.2490% | 1,427 |
| Total domestic deposits to total assets | 83.8697% | 3,387 |
| Equity capital to assets | 15.6617% | 1,010 |
| Core capital (leverage) ratio | 17.3602% | 664 |
| Tier 1 risk-based capital ratio | 16.9579% | 2,326 |
| Total risk-based capital ratio | 17.9481% | 2,353 |
| Memoranda: | ||
| Average total assets | $120,711,600 | 4,500 |
| Average earning assets | $116,568,000 | 4,351 |
| Average equity | $28,185,000 | 2,397 |
| Average total loans | $108,295,200 | 3,731 |