Home > Mid-Wisconsin Bank > Performance and Condition Ratios
Mid-Wisconsin Bank, Performance and Condition Ratios
| 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 | 4.2046% | 3,284 |
| Cost of funding earning assets | 0.7717% | 1,698 |
| Net interest margin | 3.4329% | 3,996 |
| Noninterest income to average assets | 0.9020% | 1,754 |
| Noninterest expense to average assets | 3.4487% | 1,724 |
| Loan and lease loss provision to assets | 0.5343% | 501 |
| Net operating income to assets | 0.0098% | 6,326 |
| Return on assets (ROA) | 0.0098% | 6,403 |
| Pretax return on assets | 0.1077% | 6,247 |
| Return on Equity (ROE) | 0.1047% | 6,404 |
| Retained earnings to average equity (ytd only) | 0.1047% | 5,744 |
| Net charge-offs to loans | 1.2696% | 445 |
| Credit loss provision to net charge-offs | 64.3087% | 2,368 |
| Earnings coverage of net charge-offs (x) | 0.7728% | 3,572 |
| Efficiency ratio | 84.3056% | 1,723 |
| Assets per employee ($millions) | 3.1100% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1724% | 560 |
| Loan loss allowance to noncurrent loans | 74.3287% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.8871% | 1,051 |
| Noncurrent loans to loans | 4.2681% | 1,011 |
| Net loans and leases to total assets | 63.0070% | 2,881 |
| Net loans and leases to deposits | 79.9845% | 2,072 |
| Net loans and leases to core deposits | 83.3002% | 2,423 |
| Total domestic deposits to total assets | 78.7739% | 5,999 |
| Equity capital to assets | 9.3694% | 5,033 |
| Core capital (leverage) ratio | 9.1837% | 4,592 |
| Tier 1 risk-based capital ratio | 13.9407% | 4,550 |
| Total risk-based capital ratio | 15.2143% | 4,493 |
| Memoranda: | ||
| Average total assets | $449,208,500 | 1,492 |
| Average earning assets | $417,258,000 | 1,477 |
| Average equity | $42,037,000 | 1,700 |
| Average total loans | $293,951,500 | 1,440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 3,487 |
| Cost of funding earning assets | 1.0269% | 1,219 |
| Net interest margin | 3.4528% | 4,694 |
| Noninterest income to average assets | 0.7375% | 2,553 |
| Noninterest expense to average assets | 3.1960% | 2,626 |
| Loan and lease loss provision to assets | 0.9473% | 451 |
| Net operating income to assets | -0.4882% | 6,559 |
| Return on assets (ROA) | -0.4837% | 6,596 |
| Pretax return on assets | -0.2053% | 6,429 |
| Return on Equity (ROE) | -5.2302% | 6,603 |
| Retained earnings to average equity (ytd only) | -5.2302% | 6,443 |
| Net charge-offs to loans | 1.4790% | 611 |
| Credit loss provision to net charge-offs | 94.9015% | 3,279 |
| Earnings coverage of net charge-offs (x) | 0.7389% | 5,109 |
| Efficiency ratio | 81.2503% | 1,979 |
| Assets per employee ($millions) | 3.4135% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2305% | 534 |
| Loan loss allowance to noncurrent loans | 80.7044% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 3.8273% | 1,146 |
| Noncurrent loans to loans | 4.0029% | 1,170 |
| Net loans and leases to total assets | 63.6761% | 2,953 |
| Net loans and leases to deposits | 80.4135% | 2,228 |
| Net loans and leases to core deposits | 84.4173% | 2,500 |
| Total domestic deposits to total assets | 79.1858% | 5,850 |
| Equity capital to assets | 9.3467% | 5,086 |
| Core capital (leverage) ratio | 8.8864% | 5,056 |
| Tier 1 risk-based capital ratio | 13.9205% | 4,428 |
| Total risk-based capital ratio | 15.1954% | 4,388 |
| Memoranda: | ||
| Average total assets | $467,652,600 | 1,412 |
| Average earning assets | $432,871,200 | 1,395 |
| Average equity | $43,248,800 | 1,611 |
| Average total loans | $315,621,400 | 1,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 3,546 |
| Cost of funding earning assets | 1.0752% | 1,167 |
| Net interest margin | 3.4475% | 4,852 |
| Noninterest income to average assets | 0.7219% | 2,613 |
| Noninterest expense to average assets | 3.0824% | 2,940 |
| Loan and lease loss provision to assets | 1.0397% | 380 |
| Net operating income to assets | -0.5314% | 6,712 |
| Return on assets (ROA) | -0.5314% | 6,743 |
| Pretax return on assets | -0.2060% | 6,544 |
| Return on Equity (ROE) | -5.7611% | 6,746 |
| Retained earnings to average equity (ytd only) | -5.7611% | 6,662 |
| Net charge-offs to loans | 1.2347% | 781 |
| Credit loss provision to net charge-offs | 124.0310% | 2,331 |
| Earnings coverage of net charge-offs (x) | 0.9946% | 4,824 |
| Efficiency ratio | 78.7100% | 2,284 |
| Assets per employee ($millions) | 3.4388% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4108% | 503 |
| Loan loss allowance to noncurrent loans | 80.0258% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 4.0827% | 1,183 |
| Noncurrent loans to loans | 4.2622% | 1,148 |
| Net loans and leases to total assets | 64.7062% | 2,895 |
| Net loans and leases to deposits | 81.2418% | 2,220 |
| Net loans and leases to core deposits | 86.0072% | 2,463 |
| Total domestic deposits to total assets | 79.6465% | 5,740 |
| Equity capital to assets | 9.2709% | 5,508 |
| Core capital (leverage) ratio | 8.8410% | 5,280 |
| Tier 1 risk-based capital ratio | 13.6048% | 4,811 |
| Total risk-based capital ratio | 14.8823% | 4,753 |
| Memoranda: | ||
| Average total assets | $471,921,750 | 1,415 |
| Average earning assets | $437,255,000 | 1,397 |
| Average equity | $43,532,500 | 1,619 |
| Average total loans | $320,405,000 | 1,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 3,445 |
| Cost of funding earning assets | 1.1407% | 1,068 |
| Net interest margin | 3.4389% | 4,930 |
| Noninterest income to average assets | 0.6888% | 2,723 |
| Noninterest expense to average assets | 3.1377% | 2,788 |
| Loan and lease loss provision to assets | 1.2320% | 331 |
| Net operating income to assets | -0.9848% | 6,903 |
| Return on assets (ROA) | -0.9848% | 6,923 |
| Pretax return on assets | -0.5016% | 6,745 |
| Return on Equity (ROE) | -10.6933% | 6,918 |
| Retained earnings to average equity (ytd only) | -10.6933% | 6,850 |
| Net charge-offs to loans | 1.1119% | 979 |
| Credit loss provision to net charge-offs | 162.5069% | 1,713 |
| Earnings coverage of net charge-offs (x) | 0.9634% | 4,552 |
| Efficiency ratio | 81.1175% | 2,010 |
| Assets per employee ($millions) | 3.3019% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4555% | 506 |
| Loan loss allowance to noncurrent loans | 93.6901% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 3.8026% | 1,358 |
| Noncurrent loans to loans | 3.6882% | 1,539 |
| Net loans and leases to total assets | 66.1405% | 2,643 |
| Net loans and leases to deposits | 82.5799% | 2,035 |
| Net loans and leases to core deposits | 87.8027% | 2,232 |
| Total domestic deposits to total assets | 80.0927% | 5,718 |
| Equity capital to assets | 9.1428% | 5,537 |
| Core capital (leverage) ratio | 8.6918% | 5,396 |
| Tier 1 risk-based capital ratio | 13.0825% | 5,127 |
| Total risk-based capital ratio | 14.3571% | 5,089 |
| Memoranda: | ||
| Average total assets | $475,630,670 | 1,409 |
| Average earning assets | $439,738,670 | 1,394 |
| Average equity | $43,803,330 | 1,597 |
| Average total loans | $324,309,330 | 1,307 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 3,573 |
| Cost of funding earning assets | 1.1781% | 1,073 |
| Net interest margin | 3.4079% | 5,089 |
| Noninterest income to average assets | 0.7008% | 2,662 |
| Noninterest expense to average assets | 3.1224% | 2,841 |
| Loan and lease loss provision to assets | 0.6220% | 905 |
| Net operating income to assets | 0.1062% | 6,226 |
| Return on assets (ROA) | 0.1062% | 6,353 |
| Pretax return on assets | 0.1062% | 6,375 |
| Return on Equity (ROE) | 1.1487% | 6,318 |
| Retained earnings to average equity (ytd only) | 1.1487% | 5,627 |
| Net charge-offs to loans | 0.6071% | 1,578 |
| Credit loss provision to net charge-offs | 150.6024% | 1,662 |
| Earnings coverage of net charge-offs (x) | 1.7631% | 3,459 |
| Efficiency ratio | 81.0898% | 2,064 |
| Assets per employee ($millions) | 3.4026% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0939% | 766 |
| Loan loss allowance to noncurrent loans | 102.5568% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 3.1636% | 1,828 |
| Noncurrent loans to loans | 3.0168% | 2,142 |
| Net loans and leases to total assets | 65.7300% | 2,514 |
| Net loans and leases to deposits | 83.1022% | 1,780 |
| Net loans and leases to core deposits | 88.4113% | 2,003 |
| Total domestic deposits to total assets | 79.0953% | 6,053 |
| Equity capital to assets | 9.2927% | 5,103 |
| Core capital (leverage) ratio | 8.8269% | 5,099 |
| Tier 1 risk-based capital ratio | 13.2280% | 5,051 |
| Total risk-based capital ratio | 14.5020% | 5,006 |
| Memoranda: | ||
| Average total assets | $482,314,500 | 1,399 |
| Average earning assets | $445,785,000 | 1,384 |
| Average equity | $44,573,000 | 1,556 |
| Average total loans | $328,121,000 | 1,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8141% | 3,744 |
| Cost of funding earning assets | 1.3793% | 1,126 |
| Net interest margin | 3.4348% | 5,382 |
| Noninterest income to average assets | 0.8049% | 2,035 |
| Noninterest expense to average assets | 3.3771% | 2,298 |
| Loan and lease loss provision to assets | 0.9638% | 997 |
| Net operating income to assets | -0.7237% | 6,616 |
| Return on assets (ROA) | -0.7349% | 6,656 |
| Pretax return on assets | -0.3573% | 6,387 |
| Return on Equity (ROE) | -7.7888% | 6,667 |
| Retained earnings to average equity (ytd only) | -7.7888% | 6,612 |
| Net charge-offs to loans | 1.2992% | 1,269 |
| Credit loss provision to net charge-offs | 107.8320% | 3,131 |
| Earnings coverage of net charge-offs (x) | 0.6910% | 5,294 |
| Efficiency ratio | 84.5388% | 1,705 |
| Assets per employee ($millions) | 3.2324% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9671% | 837 |
| Loan loss allowance to noncurrent loans | 85.9846% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 3.5107% | 1,685 |
| Noncurrent loans to loans | 3.4508% | 1,865 |
| Net loans and leases to total assets | 66.2059% | 2,746 |
| Net loans and leases to deposits | 83.5174% | 1,982 |
| Net loans and leases to core deposits | 89.4253% | 2,206 |
| Total domestic deposits to total assets | 79.2720% | 5,926 |
| Equity capital to assets | 9.1908% | 5,304 |
| Core capital (leverage) ratio | 8.6676% | 5,295 |
| Tier 1 risk-based capital ratio | 12.8957% | 5,161 |
| Total risk-based capital ratio | 14.1678% | 5,115 |
| Memoranda: | ||
| Average total assets | $492,855,600 | 1,354 |
| Average earning assets | $457,694,400 | 1,333 |
| Average equity | $46,502,400 | 1,467 |
| Average total loans | $339,044,400 | 1,251 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 4,104 |
| Cost of funding earning assets | 1.4145% | 1,168 |
| Net interest margin | 3.3654% | 5,670 |
| Noninterest income to average assets | 0.8487% | 1,844 |
| Noninterest expense to average assets | 3.2752% | 2,575 |
| Loan and lease loss provision to assets | 1.0373% | 813 |
| Net operating income to assets | -0.1534% | 6,333 |
| Return on assets (ROA) | -0.1627% | 6,424 |
| Pretax return on assets | -0.3430% | 6,525 |
| Return on Equity (ROE) | -1.7139% | 6,453 |
| Retained earnings to average equity (ytd only) | -1.7139% | 6,262 |
| Net charge-offs to loans | 1.5788% | 895 |
| Credit loss provision to net charge-offs | 95.3206% | 3,591 |
| Earnings coverage of net charge-offs (x) | 0.6514% | 5,136 |
| Efficiency ratio | 82.2073% | 1,945 |
| Assets per employee ($millions) | 3.2280% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7429% | 1,082 |
| Loan loss allowance to noncurrent loans | 63.5449% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 4.2635% | 1,431 |
| Noncurrent loans to loans | 4.3165% | 1,520 |
| Net loans and leases to total assets | 67.0771% | 2,658 |
| Net loans and leases to deposits | 84.5628% | 1,908 |
| Net loans and leases to core deposits | 91.0858% | 2,110 |
| Total domestic deposits to total assets | 79.3222% | 5,909 |
| Equity capital to assets | 9.6429% | 4,865 |
| Core capital (leverage) ratio | 8.6995% | 5,412 |
| Tier 1 risk-based capital ratio | 12.5434% | 5,458 |
| Total risk-based capital ratio | 13.8117% | 5,431 |
| Memoranda: | ||
| Average total assets | $494,853,000 | 1,352 |
| Average earning assets | $461,038,500 | 1,333 |
| Average equity | $46,987,250 | 1,451 |
| Average total loans | $341,099,000 | 1,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 3,982 |
| Cost of funding earning assets | 1.4435% | 1,216 |
| Net interest margin | 3.3806% | 5,608 |
| Noninterest income to average assets | 0.9705% | 1,403 |
| Noninterest expense to average assets | 3.2878% | 2,606 |
| Loan and lease loss provision to assets | 1.1889% | 660 |
| Net operating income to assets | -0.1682% | 6,440 |
| Return on assets (ROA) | -0.1822% | 6,488 |
| Pretax return on assets | -0.3756% | 6,579 |
| Return on Equity (ROE) | -1.9284% | 6,508 |
| Retained earnings to average equity (ytd only) | -1.9284% | 6,238 |
| Net charge-offs to loans | 1.8696% | 730 |
| Credit loss provision to net charge-offs | 92.2740% | 3,397 |
| Earnings coverage of net charge-offs (x) | 0.6481% | 4,814 |
| Efficiency ratio | 79.7458% | 2,428 |
| Assets per employee ($millions) | 3.1876% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6867% | 1,192 |
| Loan loss allowance to noncurrent loans | 62.2234% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 4.1815% | 1,519 |
| Noncurrent loans to loans | 4.3179% | 1,564 |
| Net loans and leases to total assets | 68.9534% | 2,423 |
| Net loans and leases to deposits | 87.2318% | 1,620 |
| Net loans and leases to core deposits | 94.0577% | 1,888 |
| Total domestic deposits to total assets | 79.0461% | 6,078 |
| Equity capital to assets | 9.7287% | 4,502 |
| Core capital (leverage) ratio | 8.8726% | 4,924 |
| Tier 1 risk-based capital ratio | 12.5228% | 5,322 |
| Total risk-based capital ratio | 13.7904% | 5,285 |
| Memoranda: | ||
| Average total assets | $496,253,330 | 1,355 |
| Average earning assets | $462,755,330 | 1,331 |
| Average equity | $46,878,670 | 1,445 |
| Average total loans | $341,999,670 | 1,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 3,964 |
| Cost of funding earning assets | 1.4676% | 1,306 |
| Net interest margin | 3.3519% | 5,603 |
| Noninterest income to average assets | 1.2085% | 872 |
| Noninterest expense to average assets | 3.2645% | 2,663 |
| Loan and lease loss provision to assets | 0.8365% | 992 |
| Net operating income to assets | 0.1978% | 5,789 |
| Return on assets (ROA) | 0.1617% | 5,962 |
| Pretax return on assets | 0.1920% | 5,957 |
| Return on Equity (ROE) | 1.7369% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.7369% | 5,077 |
| Net charge-offs to loans | 0.9539% | 1,401 |
| Credit loss provision to net charge-offs | 128.9926% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.6523% | 3,486 |
| Efficiency ratio | 75.2894% | 3,284 |
| Assets per employee ($millions) | 3.2169% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8884% | 1,022 |
| Loan loss allowance to noncurrent loans | 70.6015% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.5342% | 1,928 |
| Noncurrent loans to loans | 4.0911% | 1,758 |
| Net loans and leases to total assets | 65.4534% | 3,141 |
| Net loans and leases to deposits | 82.1113% | 2,342 |
| Net loans and leases to core deposits | 88.8776% | 2,494 |
| Total domestic deposits to total assets | 79.7130% | 6,017 |
| Equity capital to assets | 9.3917% | 4,592 |
| Core capital (leverage) ratio | 8.9952% | 4,621 |
| Tier 1 risk-based capital ratio | 12.8309% | 4,957 |
| Total risk-based capital ratio | 14.1000% | 4,917 |
| Memoranda: | ||
| Average total assets | $502,121,500 | 1,347 |
| Average earning assets | $468,513,000 | 1,318 |
| Average equity | $46,749,500 | 1,431 |
| Average total loans | $341,342,000 | 1,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 2,803 |
| Cost of funding earning assets | 1.7559% | 1,361 |
| Net interest margin | 3.6157% | 4,740 |
| Noninterest income to average assets | 0.8774% | 1,936 |
| Noninterest expense to average assets | 3.0678% | 3,600 |
| Loan and lease loss provision to assets | 0.9497% | 1,715 |
| Net operating income to assets | 0.1651% | 5,390 |
| Return on assets (ROA) | 0.2574% | 5,240 |
| Pretax return on assets | 0.3551% | 5,068 |
| Return on Equity (ROE) | 2.8022% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.8022% | 3,892 |
| Net charge-offs to loans | 0.9144% | 2,357 |
| Credit loss provision to net charge-offs | 146.7140% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1.8176% | 4,360 |
| Efficiency ratio | 72.2790% | 3,736 |
| Assets per employee ($millions) | 3.3934% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7324% | 1,136 |
| Loan loss allowance to noncurrent loans | 82.0071% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 3.1476% | 2,252 |
| Noncurrent loans to loans | 3.3319% | 2,281 |
| Net loans and leases to total assets | 66.6786% | 3,306 |
| Net loans and leases to deposits | 83.4312% | 2,545 |
| Net loans and leases to core deposits | 92.4016% | 2,450 |
| Total domestic deposits to total assets | 79.9205% | 5,859 |
| Equity capital to assets | 9.2302% | 4,790 |
| Core capital (leverage) ratio | 8.9466% | 4,626 |
| Tier 1 risk-based capital ratio | 12.6694% | 4,881 |
| Total risk-based capital ratio | 13.9370% | 4,850 |
| Memoranda: | ||
| Average total assets | $500,689,000 | 1,340 |
| Average earning assets | $466,246,600 | 1,319 |
| Average equity | $45,999,400 | 1,460 |
| Average total loans | $354,428,000 | 1,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 2,622 |
| Cost of funding earning assets | 1.8103% | 1,378 |
| Net interest margin | 3.6452% | 4,656 |
| Noninterest income to average assets | 0.8091% | 2,192 |
| Noninterest expense to average assets | 3.0120% | 3,699 |
| Loan and lease loss provision to assets | 0.8689% | 1,747 |
| Net operating income to assets | 0.2346% | 5,408 |
| Return on assets (ROA) | 0.2512% | 5,505 |
| Pretax return on assets | 0.3454% | 5,384 |
| Return on Equity (ROE) | 2.7375% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.7375% | 4,514 |
| Net charge-offs to loans | 0.9125% | 2,172 |
| Credit loss provision to net charge-offs | 133.4563% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.8303% | 4,339 |
| Efficiency ratio | 71.6517% | 3,767 |
| Assets per employee ($millions) | 3.1645% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5070% | 1,316 |
| Loan loss allowance to noncurrent loans | 66.1464% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 3.4205% | 2,075 |
| Noncurrent loans to loans | 3.7901% | 2,037 |
| Net loans and leases to total assets | 68.2354% | 3,153 |
| Net loans and leases to deposits | 86.0128% | 2,338 |
| Net loans and leases to core deposits | 96.5292% | 2,196 |
| Total domestic deposits to total assets | 79.3317% | 5,922 |
| Equity capital to assets | 9.5418% | 4,776 |
| Core capital (leverage) ratio | 8.8293% | 4,959 |
| Tier 1 risk-based capital ratio | 12.3717% | 5,100 |
| Total risk-based capital ratio | 13.6366% | 5,060 |
| Memoranda: | ||
| Average total assets | $499,455,250 | 1,355 |
| Average earning assets | $465,112,250 | 1,331 |
| Average equity | $45,831,750 | 1,470 |
| Average total loans | $356,381,500 | 1,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4862% | 2,587 |
| Cost of funding earning assets | 1.8331% | 1,519 |
| Net interest margin | 3.6530% | 4,567 |
| Noninterest income to average assets | 0.7883% | 2,180 |
| Noninterest expense to average assets | 2.9799% | 3,781 |
| Loan and lease loss provision to assets | 0.9434% | 1,554 |
| Net operating income to assets | 0.2099% | 5,525 |
| Return on assets (ROA) | 0.2584% | 5,480 |
| Pretax return on assets | 0.3569% | 5,352 |
| Return on Equity (ROE) | 2.8536% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.8536% | 4,328 |
| Net charge-offs to loans | 1.0934% | 1,725 |
| Credit loss provision to net charge-offs | 120.1531% | 3,382 |
| Earnings coverage of net charge-offs (x) | 1.5704% | 4,312 |
| Efficiency ratio | 70.7331% | 4,029 |
| Assets per employee ($millions) | 3.1310% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 1,487 |
| Loan loss allowance to noncurrent loans | 61.3937% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 3.2069% | 2,210 |
| Noncurrent loans to loans | 3.8473% | 1,995 |
| Net loans and leases to total assets | 69.3504% | 3,048 |
| Net loans and leases to deposits | 87.5471% | 2,251 |
| Net loans and leases to core deposits | 100.6619% | 1,951 |
| Total domestic deposits to total assets | 79.2150% | 5,975 |
| Equity capital to assets | 9.5420% | 4,645 |
| Core capital (leverage) ratio | 8.7689% | 4,975 |
| Tier 1 risk-based capital ratio | 12.1215% | 5,198 |
| Total risk-based capital ratio | 13.3848% | 5,164 |
| Memoranda: | ||
| Average total assets | $499,278,000 | 1,361 |
| Average earning assets | $468,048,670 | 1,328 |
| Average equity | $45,206,330 | 1,481 |
| Average total loans | $358,528,330 | 1,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 2,544 |
| Cost of funding earning assets | 1.8617% | 1,604 |
| Net interest margin | 3.6465% | 4,508 |
| Noninterest income to average assets | 0.7848% | 2,094 |
| Noninterest expense to average assets | 2.9448% | 3,884 |
| Loan and lease loss provision to assets | 1.1200% | 1,092 |
| Net operating income to assets | 0.1264% | 5,940 |
| Return on assets (ROA) | 0.1264% | 6,060 |
| Pretax return on assets | 0.1376% | 6,040 |
| Return on Equity (ROE) | 1.4345% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.4345% | 5,226 |
| Net charge-offs to loans | 0.5396% | 2,449 |
| Credit loss provision to net charge-offs | 287.4743% | 1,371 |
| Earnings coverage of net charge-offs (x) | 3.2279% | 2,976 |
| Efficiency ratio | 70.0742% | 4,288 |
| Assets per employee ($millions) | 3.1341% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4782% | 1,326 |
| Loan loss allowance to noncurrent loans | 69.9858% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 3.0023% | 2,386 |
| Noncurrent loans to loans | 3.5410% | 2,254 |
| Net loans and leases to total assets | 70.0453% | 2,925 |
| Net loans and leases to deposits | 87.4796% | 2,317 |
| Net loans and leases to core deposits | 102.7252% | 1,839 |
| Total domestic deposits to total assets | 80.0705% | 5,757 |
| Equity capital to assets | 8.8881% | 5,424 |
| Core capital (leverage) ratio | 8.3023% | 5,736 |
| Tier 1 risk-based capital ratio | 11.4471% | 5,721 |
| Total risk-based capital ratio | 12.7119% | 5,691 |
| Memoranda: | ||
| Average total assets | $500,001,500 | 1,389 |
| Average earning assets | $468,608,500 | 1,355 |
| Average equity | $44,058,000 | 1,523 |
| Average total loans | $360,992,500 | 1,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7784% | 2,746 |
| Cost of funding earning assets | 2.1337% | 2,315 |
| Net interest margin | 3.6447% | 4,373 |
| Noninterest income to average assets | 0.7734% | 2,545 |
| Noninterest expense to average assets | 3.2380% | 3,245 |
| Loan and lease loss provision to assets | 1.7150% | 1,330 |
| Net operating income to assets | -0.4235% | 6,103 |
| Return on assets (ROA) | -0.4044% | 6,076 |
| Pretax return on assets | -0.7270% | 6,213 |
| Return on Equity (ROE) | -4.7484% | 6,189 |
| Retained earnings to average equity (ytd only) | -4.7484% | 5,989 |
| Net charge-offs to loans | 1.3971% | 1,797 |
| Credit loss provision to net charge-offs | 167.0792% | 2,586 |
| Earnings coverage of net charge-offs (x) | 0.9334% | 5,176 |
| Efficiency ratio | 77.1670% | 3,333 |
| Assets per employee ($millions) | 3.1553% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 1,674 |
| Loan loss allowance to noncurrent loans | 57.0722% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 3.1815% | 2,168 |
| Noncurrent loans to loans | 3.8295% | 1,947 |
| Net loans and leases to total assets | 70.9827% | 3,011 |
| Net loans and leases to deposits | 88.1369% | 2,538 |
| Net loans and leases to core deposits | 115.1580% | 2,398 |
| Total domestic deposits to total assets | 80.5369% | 5,496 |
| Equity capital to assets | 8.7355% | 5,541 |
| Core capital (leverage) ratio | 8.2090% | 5,794 |
| Tier 1 risk-based capital ratio | 11.0636% | 5,859 |
| Total risk-based capital ratio | 12.3252% | 5,810 |
| Memoranda: | ||
| Average total assets | $495,989,800 | 1,390 |
| Average earning assets | $465,766,000 | 1,352 |
| Average equity | $42,246,000 | 1,580 |
| Average total loans | $364,400,400 | 1,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 2,810 |
| Cost of funding earning assets | 2.1857% | 2,475 |
| Net interest margin | 3.6326% | 4,362 |
| Noninterest income to average assets | 0.7551% | 2,683 |
| Noninterest expense to average assets | 3.3914% | 2,604 |
| Loan and lease loss provision to assets | 1.5232% | 1,254 |
| Net operating income to assets | -0.3829% | 6,296 |
| Return on assets (ROA) | -0.3054% | 6,223 |
| Pretax return on assets | -0.6225% | 6,416 |
| Return on Equity (ROE) | -3.6095% | 6,306 |
| Retained earnings to average equity (ytd only) | -3.6095% | 6,048 |
| Net charge-offs to loans | 0.6482% | 2,738 |
| Credit loss provision to net charge-offs | 318.8488% | 1,289 |
| Earnings coverage of net charge-offs (x) | 1.6321% | 4,571 |
| Efficiency ratio | 81.3082% | 2,680 |
| Assets per employee ($millions) | 3.1222% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 1,250 |
| Loan loss allowance to noncurrent loans | 58.5251% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 3.4485% | 1,940 |
| Noncurrent loans to loans | 3.9985% | 1,836 |
| Net loans and leases to total assets | 71.2304% | 3,215 |
| Net loans and leases to deposits | 91.1692% | 2,368 |
| Net loans and leases to core deposits | 120.0744% | 2,238 |
| Total domestic deposits to total assets | 78.1299% | 6,045 |
| Equity capital to assets | 8.8402% | 5,727 |
| Core capital (leverage) ratio | 8.5276% | 5,438 |
| Tier 1 risk-based capital ratio | 11.4980% | 5,429 |
| Total risk-based capital ratio | 12.7608% | 5,369 |
| Memoranda: | ||
| Average total assets | $494,565,500 | 1,411 |
| Average earning assets | $465,078,750 | 1,370 |
| Average equity | $41,851,250 | 1,614 |
| Average total loans | $364,483,500 | 1,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 2,762 |
| Cost of funding earning assets | 2.2404% | 2,620 |
| Net interest margin | 3.6195% | 4,285 |
| Noninterest income to average assets | 0.6420% | 3,399 |
| Noninterest expense to average assets | 3.2922% | 2,987 |
| Loan and lease loss provision to assets | 1.4142% | 1,224 |
| Net operating income to assets | -0.3406% | 6,377 |
| Return on assets (ROA) | -0.2234% | 6,243 |
| Pretax return on assets | -0.4784% | 6,404 |
| Return on Equity (ROE) | -2.6802% | 6,324 |
| Retained earnings to average equity (ytd only) | -2.6802% | 5,906 |
| Net charge-offs to loans | 0.2415% | 3,985 |
| Credit loss provision to net charge-offs | 791.8552% | 595 |
| Earnings coverage of net charge-offs (x) | 4.2149% | 3,172 |
| Efficiency ratio | 81.3905% | 2,821 |
| Assets per employee ($millions) | 3.0978% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 1,448 |
| Loan loss allowance to noncurrent loans | 65.8465% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.7429% | 2,341 |
| Noncurrent loans to loans | 3.1363% | 2,276 |
| Net loans and leases to total assets | 72.7157% | 3,029 |
| Net loans and leases to deposits | 95.4509% | 1,880 |
| Net loans and leases to core deposits | 123.7692% | 2,050 |
| Total domestic deposits to total assets | 76.1813% | 6,511 |
| Equity capital to assets | 8.7349% | 5,706 |
| Core capital (leverage) ratio | 8.4368% | 5,551 |
| Tier 1 risk-based capital ratio | 11.0865% | 5,791 |
| Total risk-based capital ratio | 12.3461% | 5,696 |
| Memoranda: | ||
| Average total assets | $494,983,330 | 1,428 |
| Average earning assets | $465,373,330 | 1,388 |
| Average equity | $41,265,000 | 1,647 |
| Average total loans | $366,042,000 | 1,363 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 3,082 |
| Cost of funding earning assets | 2.2668% | 2,852 |
| Net interest margin | 3.5754% | 4,430 |
| Noninterest income to average assets | 0.7084% | 2,838 |
| Noninterest expense to average assets | 3.0195% | 3,681 |
| Loan and lease loss provision to assets | 0.6065% | 2,081 |
| Net operating income to assets | 0.3113% | 5,258 |
| Return on assets (ROA) | 0.3113% | 5,430 |
| Pretax return on assets | 0.4561% | 5,222 |
| Return on Equity (ROE) | 3.8260% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.8260% | 3,762 |
| Net charge-offs to loans | 0.1534% | 3,728 |
| Credit loss provision to net charge-offs | 535.7143% | 1,028 |
| Earnings coverage of net charge-offs (x) | 9.3857% | 2,064 |
| Efficiency ratio | 73.9699% | 3,831 |
| Assets per employee ($millions) | 3.1250% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 3,445 |
| Loan loss allowance to noncurrent loans | 45.1890% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.8343% | 2,005 |
| Noncurrent loans to loans | 3.1214% | 2,074 |
| Net loans and leases to total assets | 72.4726% | 3,132 |
| Net loans and leases to deposits | 90.5729% | 2,841 |
| Net loans and leases to core deposits | 120.4273% | 2,383 |
| Total domestic deposits to total assets | 80.0157% | 5,360 |
| Equity capital to assets | 8.1815% | 6,560 |
| Core capital (leverage) ratio | 8.1243% | 6,248 |
| Tier 1 risk-based capital ratio | 10.6440% | 6,239 |
| Total risk-based capital ratio | 11.8956% | 6,159 |
| Memoranda: | ||
| Average total assets | $494,653,000 | 1,434 |
| Average earning assets | $466,741,000 | 1,397 |
| Average equity | $40,250,500 | 1,695 |
| Average total loans | $365,057,500 | 1,381 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6549% | 2,225 |
| Cost of funding earning assets | 2.8509% | 2,477 |
| Net interest margin | 3.8039% | 3,999 |
| Noninterest income to average assets | 0.8445% | 2,268 |
| Noninterest expense to average assets | 3.3231% | 2,889 |
| Loan and lease loss provision to assets | 0.6697% | 2,171 |
| Net operating income to assets | 0.3552% | 5,333 |
| Return on assets (ROA) | 0.3552% | 5,133 |
| Pretax return on assets | 0.4062% | 5,246 |
| Return on Equity (ROE) | 4.3739% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.3739% | 2,399 |
| Net charge-offs to loans | 0.7822% | 1,591 |
| Credit loss provision to net charge-offs | 112.9944% | 4,774 |
| Earnings coverage of net charge-offs (x) | 1.8153% | 5,167 |
| Efficiency ratio | 74.1377% | 3,548 |
| Assets per employee ($millions) | 2.8630% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,196 |
| Loan loss allowance to noncurrent loans | 50.5509% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3437% | 2,072 |
| Noncurrent loans to loans | 2.4626% | 2,219 |
| Net loans and leases to total assets | 73.1723% | 3,322 |
| Net loans and leases to deposits | 92.8084% | 2,993 |
| Net loans and leases to core deposits | 122.0073% | 2,505 |
| Total domestic deposits to total assets | 78.8423% | 5,436 |
| Equity capital to assets | 8.0923% | 6,709 |
| Core capital (leverage) ratio | 8.2089% | 6,151 |
| Tier 1 risk-based capital ratio | 10.6152% | 6,084 |
| Total risk-based capital ratio | 11.8436% | 6,012 |
| Memoranda: | ||
| Average total assets | $477,808,400 | 1,440 |
| Average earning assets | $446,485,000 | 1,397 |
| Average equity | $38,798,000 | 1,742 |
| Average total loans | $362,068,000 | 1,339 |