Home > Minnwest Bank Central > Performance and Condition Ratios
Minnwest Bank Central, Performance and Condition Ratios
| 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 | 4.0502% | 3,476 |
| Cost of funding earning assets | 0.4095% | 3,860 |
| Net interest margin | 3.6408% | 3,096 |
| Noninterest income to average assets | 0.4382% | 3,882 |
| Noninterest expense to average assets | 2.1939% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0334% | 2,070 |
| Return on assets (ROA) | 1.0334% | 2,144 |
| Pretax return on assets | 1.6840% | 1,007 |
| Return on Equity (ROE) | 9.9108% | 2,077 |
| Retained earnings to average equity (ytd only) | 0.1816% | 5,490 |
| Net charge-offs to loans | 0.0570% | 2,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.5714% | 943 |
| Efficiency ratio | 56.5748% | 5,791 |
| Assets per employee ($millions) | 5.5639% | 1,651 |
| Cash dividends to net income (ytd only)* | 98.1675% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,344 |
| Loan loss allowance to noncurrent loans | 660.3070% | 745 |
| Noncurrent assets plus other real estate owned to assets | 2.3389% | 1,399 |
| Noncurrent loans to loans | 0.1903% | 5,521 |
| Net loans and leases to total assets | 81.7629% | 374 |
| Net loans and leases to deposits | 98.1817% | 531 |
| Net loans and leases to core deposits | 103.2121% | 910 |
| Total domestic deposits to total assets | 83.2772% | 4,507 |
| Equity capital to assets | 10.6614% | 3,080 |
| Core capital (leverage) ratio | 10.1785% | 3,317 |
| Tier 1 risk-based capital ratio | 11.9433% | 5,677 |
| Total risk-based capital ratio | 13.1241% | 5,649 |
| Memoranda: | ||
| Average total assets | $295,731,000 | 2,198 |
| Average earning assets | $279,391,500 | 2,150 |
| Average equity | $30,835,000 | 2,220 |
| Average total loans | $245,766,500 | 1,717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,122 |
| Cost of funding earning assets | 0.4881% | 3,736 |
| Net interest margin | 3.7699% | 2,762 |
| Noninterest income to average assets | 0.4461% | 4,111 |
| Noninterest expense to average assets | 2.2362% | 5,538 |
| Loan and lease loss provision to assets | 0.0153% | 4,822 |
| Net operating income to assets | 1.0743% | 2,016 |
| Return on assets (ROA) | 1.0743% | 2,106 |
| Pretax return on assets | 1.7341% | 888 |
| Return on Equity (ROE) | 10.2635% | 2,002 |
| Retained earnings to average equity (ytd only) | -0.2690% | 5,933 |
| Net charge-offs to loans | -0.0123% | 6,055 |
| Credit loss provision to net charge-offs | -155.1724% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1069% | 5,937 |
| Assets per employee ($millions) | 5.7007% | 1,474 |
| Cash dividends to net income (ytd only)* | 102.6208% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,615 |
| Loan loss allowance to noncurrent loans | 1,213.5458% | 435 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 1,642 |
| Noncurrent loans to loans | 0.0996% | 5,911 |
| Net loans and leases to total assets | 82.3849% | 376 |
| Net loans and leases to deposits | 105.6932% | 267 |
| Net loans and leases to core deposits | 109.5262% | 627 |
| Total domestic deposits to total assets | 77.9472% | 5,837 |
| Equity capital to assets | 10.2019% | 3,503 |
| Core capital (leverage) ratio | 10.8290% | 2,547 |
| Tier 1 risk-based capital ratio | 11.3180% | 6,015 |
| Total risk-based capital ratio | 12.4505% | 6,022 |
| Memoranda: | ||
| Average total assets | $294,791,600 | 2,178 |
| Average earning assets | $276,774,600 | 2,135 |
| Average equity | $30,856,800 | 2,206 |
| Average total loans | $235,188,200 | 1,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 3,054 |
| Cost of funding earning assets | 0.5172% | 3,598 |
| Net interest margin | 3.7697% | 2,753 |
| Noninterest income to average assets | 0.4701% | 4,001 |
| Noninterest expense to average assets | 2.2870% | 5,386 |
| Loan and lease loss provision to assets | 0.0205% | 4,586 |
| Net operating income to assets | 1.0559% | 2,167 |
| Return on assets (ROA) | 1.0559% | 2,251 |
| Pretax return on assets | 1.6990% | 1,101 |
| Return on Equity (ROE) | 10.0219% | 2,174 |
| Retained earnings to average equity (ytd only) | -0.7775% | 6,099 |
| Net charge-offs to loans | -0.0687% | 6,400 |
| Credit loss provision to net charge-offs | -37.8151% | 5,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0828% | 5,790 |
| Assets per employee ($millions) | 5.0128% | 2,149 |
| Cash dividends to net income (ytd only)* | 107.7585% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 3,824 |
| Loan loss allowance to noncurrent loans | 436.1613% | 997 |
| Noncurrent assets plus other real estate owned to assets | 2.5603% | 1,489 |
| Noncurrent loans to loans | 0.3250% | 5,412 |
| Net loans and leases to total assets | 77.6987% | 783 |
| Net loans and leases to deposits | 93.7954% | 839 |
| Net loans and leases to core deposits | 98.3403% | 1,217 |
| Total domestic deposits to total assets | 82.8384% | 4,639 |
| Equity capital to assets | 10.9514% | 2,807 |
| Core capital (leverage) ratio | 10.7536% | 2,720 |
| Tier 1 risk-based capital ratio | 12.9325% | 5,168 |
| Total risk-based capital ratio | 14.1834% | 5,111 |
| Memoranda: | ||
| Average total assets | $292,954,750 | 2,202 |
| Average earning assets | $274,815,500 | 2,154 |
| Average equity | $30,865,000 | 2,224 |
| Average total loans | $230,994,500 | 1,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,934 |
| Cost of funding earning assets | 0.5347% | 3,552 |
| Net interest margin | 3.7717% | 2,666 |
| Noninterest income to average assets | 0.4996% | 3,838 |
| Noninterest expense to average assets | 2.2334% | 5,545 |
| Loan and lease loss provision to assets | 0.0303% | 4,326 |
| Net operating income to assets | 1.1036% | 1,914 |
| Return on assets (ROA) | 1.1036% | 2,030 |
| Pretax return on assets | 1.7742% | 975 |
| Return on Equity (ROE) | 10.6064% | 1,963 |
| Retained earnings to average equity (ytd only) | -0.7183% | 5,999 |
| Net charge-offs to loans | -0.1016% | 6,504 |
| Credit loss provision to net charge-offs | -37.8151% | 5,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3110% | 6,038 |
| Assets per employee ($millions) | 5.2466% | 1,846 |
| Cash dividends to net income (ytd only)* | 106.7724% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,844 |
| Loan loss allowance to noncurrent loans | 383.3741% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 3.2733% | 1,205 |
| Noncurrent loans to loans | 0.3760% | 5,337 |
| Net loans and leases to total assets | 77.1057% | 856 |
| Net loans and leases to deposits | 93.2549% | 862 |
| Net loans and leases to core deposits | 98.9537% | 1,145 |
| Total domestic deposits to total assets | 82.6827% | 4,817 |
| Equity capital to assets | 11.0814% | 2,676 |
| Core capital (leverage) ratio | 10.6562% | 2,711 |
| Tier 1 risk-based capital ratio | 13.0616% | 5,095 |
| Total risk-based capital ratio | 14.3127% | 5,040 |
| Memoranda: | ||
| Average total assets | $297,035,000 | 2,180 |
| Average earning assets | $278,651,000 | 2,138 |
| Average equity | $30,906,000 | 2,230 |
| Average total loans | $234,243,670 | 1,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,865 |
| Cost of funding earning assets | 0.5458% | 3,611 |
| Net interest margin | 3.7622% | 2,604 |
| Noninterest income to average assets | 0.4319% | 4,238 |
| Noninterest expense to average assets | 2.0110% | 6,086 |
| Loan and lease loss provision to assets | 0.0587% | 3,654 |
| Net operating income to assets | 1.1823% | 1,578 |
| Return on assets (ROA) | 1.1823% | 1,688 |
| Pretax return on assets | 1.8974% | 742 |
| Return on Equity (ROE) | 11.7085% | 1,497 |
| Retained earnings to average equity (ytd only) | -1.2148% | 5,977 |
| Net charge-offs to loans | -0.1632% | 6,630 |
| Credit loss provision to net charge-offs | -45.4545% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6908% | 6,458 |
| Assets per employee ($millions) | 5.5054% | 1,665 |
| Cash dividends to net income (ytd only)* | 110.3753% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 4,374 |
| Loan loss allowance to noncurrent loans | 393.4343% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 3.0367% | 1,471 |
| Noncurrent loans to loans | 0.3485% | 5,524 |
| Net loans and leases to total assets | 75.4020% | 912 |
| Net loans and leases to deposits | 91.4787% | 848 |
| Net loans and leases to core deposits | 96.7029% | 1,162 |
| Total domestic deposits to total assets | 82.4258% | 5,053 |
| Equity capital to assets | 10.3982% | 3,672 |
| Core capital (leverage) ratio | 10.1178% | 3,254 |
| Tier 1 risk-based capital ratio | 12.7694% | 5,386 |
| Total risk-based capital ratio | 14.0199% | 5,333 |
| Memoranda: | ||
| Average total assets | $306,518,000 | 2,141 |
| Average earning assets | $288,024,500 | 2,099 |
| Average equity | $30,952,000 | 2,243 |
| Average total loans | $242,594,000 | 1,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 2,283 |
| Cost of funding earning assets | 0.8191% | 2,517 |
| Net interest margin | 3.9587% | 2,571 |
| Noninterest income to average assets | 0.3080% | 5,248 |
| Noninterest expense to average assets | 2.1116% | 6,100 |
| Loan and lease loss provision to assets | 0.0787% | 4,723 |
| Net operating income to assets | 1.1326% | 1,831 |
| Return on assets (ROA) | 1.1326% | 2,001 |
| Pretax return on assets | 1.8096% | 903 |
| Return on Equity (ROE) | 11.4141% | 1,679 |
| Retained earnings to average equity (ytd only) | 5.2162% | 2,560 |
| Net charge-offs to loans | 0.0101% | 5,794 |
| Credit loss provision to net charge-offs | 960.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 230.2800% | 184 |
| Efficiency ratio | 52.7921% | 6,394 |
| Assets per employee ($millions) | 5.7408% | 1,485 |
| Cash dividends to net income (ytd only)* | 54.3006% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,336 |
| Loan loss allowance to noncurrent loans | 367.3671% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 2.8637% | 1,667 |
| Noncurrent loans to loans | 0.3137% | 5,701 |
| Net loans and leases to total assets | 80.7413% | 400 |
| Net loans and leases to deposits | 99.6782% | 426 |
| Net loans and leases to core deposits | 107.3230% | 638 |
| Total domestic deposits to total assets | 81.0020% | 5,406 |
| Equity capital to assets | 9.8153% | 4,427 |
| Core capital (leverage) ratio | 10.3057% | 3,005 |
| Tier 1 risk-based capital ratio | 11.3716% | 6,175 |
| Total risk-based capital ratio | 12.4788% | 6,222 |
| Memoranda: | ||
| Average total assets | $304,882,400 | 2,107 |
| Average earning assets | $284,339,000 | 2,080 |
| Average equity | $30,252,000 | 2,233 |
| Average total loans | $248,421,800 | 1,658 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 2,165 |
| Cost of funding earning assets | 0.8941% | 2,212 |
| Net interest margin | 3.9637% | 2,654 |
| Noninterest income to average assets | 0.3265% | 5,180 |
| Noninterest expense to average assets | 2.0747% | 6,214 |
| Loan and lease loss provision to assets | 0.1059% | 4,244 |
| Net operating income to assets | 1.1486% | 1,911 |
| Return on assets (ROA) | 1.1486% | 2,111 |
| Pretax return on assets | 1.8351% | 975 |
| Return on Equity (ROE) | 11.5427% | 1,781 |
| Retained earnings to average equity (ytd only) | 5.8889% | 2,769 |
| Net charge-offs to loans | 0.0260% | 5,304 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 91.6436% | 460 |
| Efficiency ratio | 51.6647% | 6,479 |
| Assets per employee ($millions) | 5.5564% | 1,578 |
| Cash dividends to net income (ytd only)* | 48.9820% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,155 |
| Loan loss allowance to noncurrent loans | 355.3012% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 3.1098% | 1,669 |
| Noncurrent loans to loans | 0.3457% | 5,786 |
| Net loans and leases to total assets | 79.0377% | 603 |
| Net loans and leases to deposits | 99.7367% | 452 |
| Net loans and leases to core deposits | 108.3223% | 637 |
| Total domestic deposits to total assets | 79.2463% | 5,814 |
| Equity capital to assets | 10.2517% | 4,135 |
| Core capital (leverage) ratio | 10.2498% | 3,222 |
| Tier 1 risk-based capital ratio | 11.9962% | 5,935 |
| Total risk-based capital ratio | 13.1647% | 5,974 |
| Memoranda: | ||
| Average total assets | $302,167,250 | 2,142 |
| Average earning assets | $281,244,750 | 2,114 |
| Average equity | $30,067,250 | 2,264 |
| Average total loans | $246,050,500 | 1,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 2,257 |
| Cost of funding earning assets | 0.9641% | 1,969 |
| Net interest margin | 3.8997% | 2,907 |
| Noninterest income to average assets | 0.2780% | 5,588 |
| Noninterest expense to average assets | 2.0920% | 6,245 |
| Loan and lease loss provision to assets | 0.1585% | 3,533 |
| Net operating income to assets | 1.0433% | 2,277 |
| Return on assets (ROA) | 1.0433% | 2,507 |
| Pretax return on assets | 1.6601% | 1,370 |
| Return on Equity (ROE) | 10.5911% | 2,137 |
| Retained earnings to average equity (ytd only) | 5.3961% | 3,048 |
| Net charge-offs to loans | 0.0379% | 4,844 |
| Credit loss provision to net charge-offs | 510.6383% | 591 |
| Earnings coverage of net charge-offs (x) | 58.5957% | 647 |
| Efficiency ratio | 53.4954% | 6,367 |
| Assets per employee ($millions) | 5.5814% | 1,553 |
| Cash dividends to net income (ytd only)* | 49.0506% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 5,290 |
| Loan loss allowance to noncurrent loans | 170.4217% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 3.6462% | 1,443 |
| Noncurrent loans to loans | 0.7131% | 5,078 |
| Net loans and leases to total assets | 81.0661% | 395 |
| Net loans and leases to deposits | 99.2772% | 451 |
| Net loans and leases to core deposits | 108.3096% | 650 |
| Total domestic deposits to total assets | 81.6563% | 5,244 |
| Equity capital to assets | 10.2186% | 4,033 |
| Core capital (leverage) ratio | 10.0184% | 3,403 |
| Tier 1 risk-based capital ratio | 11.6953% | 6,112 |
| Total risk-based capital ratio | 12.8550% | 6,145 |
| Memoranda: | ||
| Average total assets | $302,873,670 | 2,138 |
| Average earning assets | $282,122,670 | 2,111 |
| Average equity | $29,836,330 | 2,265 |
| Average total loans | $248,034,000 | 1,673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,865 |
| Cost of funding earning assets | 1.0484% | 1,686 |
| Net interest margin | 3.6961% | 3,852 |
| Noninterest income to average assets | 0.1305% | 6,594 |
| Noninterest expense to average assets | 1.9582% | 6,537 |
| Loan and lease loss provision to assets | 0.1567% | 3,422 |
| Net operating income to assets | 0.9243% | 2,817 |
| Return on assets (ROA) | 0.9243% | 3,024 |
| Pretax return on assets | 1.4582% | 1,998 |
| Return on Equity (ROE) | 9.5545% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.5181% | 2,676 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8045% | 6,255 |
| Assets per employee ($millions) | 5.2323% | 1,956 |
| Cash dividends to net income (ytd only)* | 31.7797% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,573 |
| Loan loss allowance to noncurrent loans | 158.4251% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 3.6893% | 1,535 |
| Noncurrent loans to loans | 0.7469% | 5,170 |
| Net loans and leases to total assets | 81.9999% | 281 |
| Net loans and leases to deposits | 99.6012% | 387 |
| Net loans and leases to core deposits | 110.6910% | 512 |
| Total domestic deposits to total assets | 82.3282% | 5,184 |
| Equity capital to assets | 10.1993% | 3,850 |
| Core capital (leverage) ratio | 9.6546% | 3,840 |
| Tier 1 risk-based capital ratio | 11.5661% | 6,246 |
| Total risk-based capital ratio | 12.6968% | 6,295 |
| Memoranda: | ||
| Average total assets | $306,404,000 | 2,120 |
| Average earning assets | $285,384,500 | 2,095 |
| Average equity | $29,640,500 | 2,286 |
| Average total loans | $250,674,000 | 1,658 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 3,086 |
| Cost of funding earning assets | 1.4513% | 857 |
| Net interest margin | 3.5038% | 5,132 |
| Noninterest income to average assets | -0.0722% | 7,080 |
| Noninterest expense to average assets | 2.0514% | 6,581 |
| Loan and lease loss provision to assets | 0.0375% | 6,099 |
| Net operating income to assets | 0.7011% | 3,483 |
| Return on assets (ROA) | 0.7011% | 3,671 |
| Pretax return on assets | 1.0799% | 2,911 |
| Return on Equity (ROE) | 7.6494% | 3,078 |
| Retained earnings to average equity (ytd only) | 0.1466% | 5,769 |
| Net charge-offs to loans | 0.1398% | 5,027 |
| Credit loss provision to net charge-offs | 34.6821% | 5,713 |
| Earnings coverage of net charge-offs (x) | 10.3324% | 1,855 |
| Efficiency ratio | 64.7366% | 4,999 |
| Assets per employee ($millions) | 6.1500% | 1,130 |
| Cash dividends to net income (ytd only)* | 98.0829% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,935 |
| Loan loss allowance to noncurrent loans | 163.2327% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 3.5366% | 1,673 |
| Noncurrent loans to loans | 0.6541% | 5,393 |
| Net loans and leases to total assets | 79.8774% | 509 |
| Net loans and leases to deposits | 100.4629% | 436 |
| Net loans and leases to core deposits | 114.6510% | 477 |
| Total domestic deposits to total assets | 79.5093% | 5,865 |
| Equity capital to assets | 9.1920% | 5,301 |
| Core capital (leverage) ratio | 9.2868% | 4,351 |
| Tier 1 risk-based capital ratio | 10.6815% | 6,614 |
| Total risk-based capital ratio | 11.6989% | 6,689 |
| Memoranda: | ||
| Average total assets | $319,932,000 | 2,009 |
| Average earning assets | $295,937,000 | 1,979 |
| Average equity | $29,322,400 | 2,247 |
| Average total loans | $247,416,600 | 1,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 3,193 |
| Cost of funding earning assets | 1.5244% | 784 |
| Net interest margin | 3.4547% | 5,373 |
| Noninterest income to average assets | 0.0804% | 6,838 |
| Noninterest expense to average assets | 2.0189% | 6,655 |
| Loan and lease loss provision to assets | 0.0500% | 5,824 |
| Net operating income to assets | 0.7780% | 3,263 |
| Return on assets (ROA) | 0.7780% | 3,429 |
| Pretax return on assets | 1.2026% | 2,622 |
| Return on Equity (ROE) | 8.4946% | 2,819 |
| Retained earnings to average equity (ytd only) | 0.7598% | 5,708 |
| Net charge-offs to loans | 0.1956% | 4,237 |
| Credit loss provision to net charge-offs | 33.4262% | 5,364 |
| Earnings coverage of net charge-offs (x) | 8.3733% | 2,188 |
| Efficiency ratio | 61.7119% | 5,458 |
| Assets per employee ($millions) | 5.5274% | 1,574 |
| Cash dividends to net income (ytd only)* | 91.0552% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,673 |
| Loan loss allowance to noncurrent loans | 153.3818% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 4.2780% | 1,423 |
| Noncurrent loans to loans | 0.7510% | 5,376 |
| Net loans and leases to total assets | 76.0697% | 966 |
| Net loans and leases to deposits | 92.3091% | 987 |
| Net loans and leases to core deposits | 106.5274% | 838 |
| Total domestic deposits to total assets | 82.4076% | 4,923 |
| Equity capital to assets | 9.5539% | 5,005 |
| Core capital (leverage) ratio | 9.2088% | 4,614 |
| Tier 1 risk-based capital ratio | 11.4219% | 6,287 |
| Total risk-based capital ratio | 12.5001% | 6,377 |
| Memoranda: | ||
| Average total assets | $319,965,250 | 2,014 |
| Average earning assets | $295,549,500 | 1,984 |
| Average equity | $29,304,000 | 2,244 |
| Average total loans | $244,719,750 | 1,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 3,320 |
| Cost of funding earning assets | 1.5712% | 784 |
| Net interest margin | 3.3972% | 5,566 |
| Noninterest income to average assets | 0.0451% | 7,067 |
| Noninterest expense to average assets | 1.9466% | 6,883 |
| Loan and lease loss provision to assets | 0.0742% | 5,384 |
| Net operating income to assets | 0.7606% | 3,243 |
| Return on assets (ROA) | 0.7606% | 3,374 |
| Pretax return on assets | 1.1662% | 2,615 |
| Return on Equity (ROE) | 8.4205% | 2,758 |
| Retained earnings to average equity (ytd only) | -0.4792% | 5,956 |
| Net charge-offs to loans | 0.0154% | 5,630 |
| Credit loss provision to net charge-offs | 631.5789% | 495 |
| Earnings coverage of net charge-offs (x) | 105.5789% | 343 |
| Efficiency ratio | 61.0788% | 5,717 |
| Assets per employee ($millions) | 5.7498% | 1,345 |
| Cash dividends to net income (ytd only)* | 105.6911% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 5,066 |
| Loan loss allowance to noncurrent loans | 110.9353% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 4.5772% | 1,366 |
| Noncurrent loans to loans | 1.1711% | 4,697 |
| Net loans and leases to total assets | 74.0871% | 1,404 |
| Net loans and leases to deposits | 89.6709% | 1,311 |
| Net loans and leases to core deposits | 105.4025% | 966 |
| Total domestic deposits to total assets | 82.6211% | 4,939 |
| Equity capital to assets | 9.2812% | 5,166 |
| Core capital (leverage) ratio | 8.9968% | 4,727 |
| Tier 1 risk-based capital ratio | 11.4214% | 6,235 |
| Total risk-based capital ratio | 12.6431% | 6,242 |
| Memoranda: | ||
| Average total assets | $323,441,330 | 2,004 |
| Average earning assets | $299,131,670 | 1,979 |
| Average equity | $29,214,330 | 2,225 |
| Average total loans | $246,890,330 | 1,728 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 3,424 |
| Cost of funding earning assets | 1.6509% | 675 |
| Net interest margin | 3.2780% | 5,852 |
| Noninterest income to average assets | 0.2776% | 5,682 |
| Noninterest expense to average assets | 1.9777% | 6,864 |
| Loan and lease loss provision to assets | 0.1468% | 4,177 |
| Net operating income to assets | 0.7705% | 3,167 |
| Return on assets (ROA) | 0.7705% | 3,240 |
| Pretax return on assets | 1.1839% | 2,435 |
| Return on Equity (ROE) | 8.6461% | 2,634 |
| Retained earnings to average equity (ytd only) | -5.0779% | 6,519 |
| Net charge-offs to loans | 0.0461% | 4,479 |
| Credit loss provision to net charge-offs | 413.7931% | 821 |
| Earnings coverage of net charge-offs (x) | 37.5172% | 716 |
| Efficiency ratio | 59.7782% | 6,015 |
| Assets per employee ($millions) | 6.0326% | 1,172 |
| Cash dividends to net income (ytd only)* | 158.7302% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 5,327 |
| Loan loss allowance to noncurrent loans | 139.0321% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 4.6356% | 1,386 |
| Noncurrent loans to loans | 0.9083% | 5,227 |
| Net loans and leases to total assets | 73.7766% | 1,381 |
| Net loans and leases to deposits | 89.7557% | 1,263 |
| Net loans and leases to core deposits | 109.6273% | 746 |
| Total domestic deposits to total assets | 82.1972% | 5,227 |
| Equity capital to assets | 8.8865% | 5,370 |
| Core capital (leverage) ratio | 8.5778% | 5,297 |
| Tier 1 risk-based capital ratio | 10.9867% | 6,519 |
| Total risk-based capital ratio | 12.1704% | 6,539 |
| Memoranda: | ||
| Average total assets | $327,042,000 | 1,999 |
| Average earning assets | $302,382,000 | 1,973 |
| Average equity | $29,146,000 | 2,223 |
| Average total loans | $251,647,000 | 1,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 1,966 |
| Cost of funding earning assets | 1.8431% | 1,017 |
| Net interest margin | 3.7396% | 4,181 |
| Noninterest income to average assets | 0.2116% | 6,291 |
| Noninterest expense to average assets | 2.1319% | 6,770 |
| Loan and lease loss provision to assets | 0.3443% | 4,077 |
| Net operating income to assets | 0.7749% | 2,900 |
| Return on assets (ROA) | 0.7749% | 3,029 |
| Pretax return on assets | 1.1840% | 2,277 |
| Return on Equity (ROE) | 8.7745% | 2,389 |
| Retained earnings to average equity (ytd only) | 6.3048% | 1,659 |
| Net charge-offs to loans | 0.5002% | 3,616 |
| Credit loss provision to net charge-offs | 83.9666% | 5,386 |
| Earnings coverage of net charge-offs (x) | 3.7272% | 3,221 |
| Efficiency ratio | 57.8786% | 6,352 |
| Assets per employee ($millions) | 6.3139% | 1,033 |
| Cash dividends to net income (ytd only)* | 28.1464% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,745 |
| Loan loss allowance to noncurrent loans | 455.4198% | 699 |
| Noncurrent assets plus other real estate owned to assets | 4.1408% | 1,622 |
| Noncurrent loans to loans | 0.2520% | 6,560 |
| Net loans and leases to total assets | 78.2466% | 904 |
| Net loans and leases to deposits | 95.2773% | 925 |
| Net loans and leases to core deposits | 119.2543% | 554 |
| Total domestic deposits to total assets | 82.1251% | 5,150 |
| Equity capital to assets | 8.9373% | 5,226 |
| Core capital (leverage) ratio | 8.8070% | 4,843 |
| Tier 1 risk-based capital ratio | 10.4166% | 6,749 |
| Total risk-based capital ratio | 11.4917% | 6,829 |
| Memoranda: | ||
| Average total assets | $320,941,800 | 2,029 |
| Average earning assets | $295,965,400 | 2,010 |
| Average equity | $28,343,600 | 2,297 |
| Average total loans | $263,104,400 | 1,684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 1,775 |
| Cost of funding earning assets | 1.8671% | 1,148 |
| Net interest margin | 3.8141% | 3,911 |
| Noninterest income to average assets | 0.2908% | 5,796 |
| Noninterest expense to average assets | 2.1686% | 6,689 |
| Loan and lease loss provision to assets | 0.4116% | 3,437 |
| Net operating income to assets | 0.8010% | 2,991 |
| Return on assets (ROA) | 0.8010% | 3,150 |
| Pretax return on assets | 1.2263% | 2,405 |
| Return on Equity (ROE) | 9.0979% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.7758% | 2,493 |
| Net charge-offs to loans | 0.5800% | 2,999 |
| Credit loss provision to net charge-offs | 85.8014% | 4,927 |
| Earnings coverage of net charge-offs (x) | 3.4146% | 3,464 |
| Efficiency ratio | 56.4874% | 6,492 |
| Assets per employee ($millions) | 5.9648% | 1,265 |
| Cash dividends to net income (ytd only)* | 36.5153% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,691 |
| Loan loss allowance to noncurrent loans | 1,403.2407% | 269 |
| Noncurrent assets plus other real estate owned to assets | 4.1624% | 1,652 |
| Noncurrent loans to loans | 0.0823% | 7,031 |
| Net loans and leases to total assets | 80.5704% | 656 |
| Net loans and leases to deposits | 98.6262% | 752 |
| Net loans and leases to core deposits | 127.7822% | 418 |
| Total domestic deposits to total assets | 81.6927% | 5,125 |
| Equity capital to assets | 8.9668% | 5,627 |
| Core capital (leverage) ratio | 8.8296% | 4,957 |
| Tier 1 risk-based capital ratio | 10.0892% | 7,018 |
| Total risk-based capital ratio | 11.1685% | 7,098 |
| Memoranda: | ||
| Average total assets | $319,097,000 | 2,070 |
| Average earning assets | $294,133,000 | 2,050 |
| Average equity | $28,093,750 | 2,334 |
| Average total loans | $263,909,750 | 1,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 1,936 |
| Cost of funding earning assets | 1.8732% | 1,327 |
| Net interest margin | 3.7778% | 4,005 |
| Noninterest income to average assets | 0.2987% | 5,759 |
| Noninterest expense to average assets | 2.2239% | 6,590 |
| Loan and lease loss provision to assets | 0.5439% | 2,602 |
| Net operating income to assets | 0.6790% | 3,488 |
| Return on assets (ROA) | 0.6790% | 3,634 |
| Pretax return on assets | 1.0204% | 3,042 |
| Return on Equity (ROE) | 7.7611% | 2,985 |
| Retained earnings to average equity (ytd only) | 2.7308% | 4,392 |
| Net charge-offs to loans | 0.8216% | 2,196 |
| Credit loss provision to net charge-offs | 79.6501% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.2910% | 3,858 |
| Efficiency ratio | 57.9917% | 6,379 |
| Assets per employee ($millions) | 5.9288% | 1,278 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,904 |
| Loan loss allowance to noncurrent loans | 851.8625% | 401 |
| Noncurrent assets plus other real estate owned to assets | 4.2632% | 1,569 |
| Noncurrent loans to loans | 0.1301% | 7,004 |
| Net loans and leases to total assets | 82.8512% | 449 |
| Net loans and leases to deposits | 103.3593% | 520 |
| Net loans and leases to core deposits | 131.8270% | 391 |
| Total domestic deposits to total assets | 80.1584% | 5,684 |
| Equity capital to assets | 8.7545% | 5,806 |
| Core capital (leverage) ratio | 8.7786% | 4,957 |
| Tier 1 risk-based capital ratio | 9.8139% | 7,124 |
| Total risk-based capital ratio | 10.8750% | 7,212 |
| Memoranda: | ||
| Average total assets | $318,095,670 | 2,088 |
| Average earning assets | $293,824,330 | 2,068 |
| Average equity | $27,831,000 | 2,342 |
| Average total loans | $264,363,330 | 1,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 2,497 |
| Cost of funding earning assets | 1.8767% | 1,547 |
| Net interest margin | 3.6429% | 4,527 |
| Noninterest income to average assets | 0.3923% | 4,976 |
| Noninterest expense to average assets | 2.2317% | 6,605 |
| Loan and lease loss provision to assets | 0.7506% | 1,694 |
| Net operating income to assets | 0.5374% | 4,197 |
| Return on assets (ROA) | 0.5374% | 4,335 |
| Pretax return on assets | 0.7822% | 3,944 |
| Return on Equity (ROE) | 6.1444% | 3,805 |
| Retained earnings to average equity (ytd only) | 1.0962% | 5,378 |
| Net charge-offs to loans | 1.6218% | 1,071 |
| Credit loss provision to net charge-offs | 55.9211% | 4,384 |
| Earnings coverage of net charge-offs (x) | 1.1419% | 4,085 |
| Efficiency ratio | 58.5456% | 6,404 |
| Assets per employee ($millions) | 5.7439% | 1,457 |
| Cash dividends to net income (ytd only)* | 82.1596% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 6,191 |
| Loan loss allowance to noncurrent loans | 70.1958% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 4.6471% | 1,433 |
| Noncurrent loans to loans | 1.5084% | 4,487 |
| Net loans and leases to total assets | 82.0966% | 582 |
| Net loans and leases to deposits | 99.6556% | 780 |
| Net loans and leases to core deposits | 124.9656% | 615 |
| Total domestic deposits to total assets | 82.3804% | 4,896 |
| Equity capital to assets | 8.9528% | 5,347 |
| Core capital (leverage) ratio | 8.7336% | 4,969 |
| Tier 1 risk-based capital ratio | 10.1361% | 6,940 |
| Total risk-based capital ratio | 11.1527% | 7,081 |
| Memoranda: | ||
| Average total assets | $317,065,500 | 2,146 |
| Average earning assets | $293,500,000 | 2,125 |
| Average equity | $27,732,500 | 2,390 |
| Average total loans | $262,432,000 | 1,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 2,807 |
| Cost of funding earning assets | 2.1392% | 2,281 |
| Net interest margin | 3.6244% | 4,453 |
| Noninterest income to average assets | -0.1893% | 7,852 |
| Noninterest expense to average assets | 2.1965% | 7,002 |
| Loan and lease loss provision to assets | 0.6262% | 3,303 |
| Net operating income to assets | 0.2617% | 4,675 |
| Return on assets (ROA) | 0.2617% | 4,762 |
| Pretax return on assets | 0.3341% | 4,675 |
| Return on Equity (ROE) | 2.9944% | 4,503 |
| Retained earnings to average equity (ytd only) | -0.6396% | 5,148 |
| Net charge-offs to loans | 0.6859% | 3,131 |
| Credit loss provision to net charge-offs | 110.1061% | 4,999 |
| Earnings coverage of net charge-offs (x) | 1.6884% | 4,473 |
| Efficiency ratio | 68.7154% | 4,881 |
| Assets per employee ($millions) | 6.4792% | 998 |
| Cash dividends to net income (ytd only)* | 121.3592% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 5,407 |
| Loan loss allowance to noncurrent loans | 66.1147% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 4.9534% | 1,253 |
| Noncurrent loans to loans | 1.8060% | 3,921 |
| Net loans and leases to total assets | 81.5857% | 750 |
| Net loans and leases to deposits | 99.3463% | 961 |
| Net loans and leases to core deposits | 113.7358% | 2,527 |
| Total domestic deposits to total assets | 82.1225% | 4,897 |
| Equity capital to assets | 8.5492% | 5,811 |
| Core capital (leverage) ratio | 8.5708% | 5,151 |
| Tier 1 risk-based capital ratio | 9.5328% | 7,203 |
| Total risk-based capital ratio | 10.6575% | 7,258 |
| Memoranda: | ||
| Average total assets | $314,903,400 | 2,133 |
| Average earning assets | $290,722,800 | 2,123 |
| Average equity | $27,518,200 | 2,414 |
| Average total loans | $261,123,800 | 1,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7806% | 2,978 |
| Cost of funding earning assets | 2.1860% | 2,472 |
| Net interest margin | 3.5946% | 4,498 |
| Noninterest income to average assets | -0.2533% | 8,000 |
| Noninterest expense to average assets | 2.1652% | 7,062 |
| Loan and lease loss provision to assets | 0.7540% | 2,482 |
| Net operating income to assets | 0.1493% | 5,324 |
| Return on assets (ROA) | 0.1493% | 5,384 |
| Pretax return on assets | 0.1459% | 5,429 |
| Return on Equity (ROE) | 1.6986% | 5,263 |
| Retained earnings to average equity (ytd only) | -3.1545% | 5,965 |
| Net charge-offs to loans | 0.9340% | 2,101 |
| Credit loss provision to net charge-offs | 97.2497% | 5,251 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,905 |
| Efficiency ratio | 69.7370% | 4,642 |
| Assets per employee ($millions) | 6.0959% | 1,169 |
| Cash dividends to net income (ytd only)* | 285.7112% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,696 |
| Loan loss allowance to noncurrent loans | 49.9158% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 4.1548% | 1,513 |
| Noncurrent loans to loans | 2.2127% | 3,362 |
| Net loans and leases to total assets | 85.3363% | 404 |
| Net loans and leases to deposits | 107.2127% | 593 |
| Net loans and leases to core deposits | 121.5560% | 2,110 |
| Total domestic deposits to total assets | 79.5954% | 5,594 |
| Equity capital to assets | 8.7819% | 5,828 |
| Core capital (leverage) ratio | 8.7193% | 5,100 |
| Tier 1 risk-based capital ratio | 9.3842% | 7,442 |
| Total risk-based capital ratio | 10.4304% | 7,547 |
| Memoranda: | ||
| Average total assets | $312,639,250 | 2,159 |
| Average earning assets | $288,613,750 | 2,148 |
| Average equity | $27,473,750 | 2,438 |
| Average total loans | $259,530,000 | 1,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 3,320 |
| Cost of funding earning assets | 2.2403% | 2,621 |
| Net interest margin | 3.5049% | 4,774 |
| Noninterest income to average assets | 0.1916% | 6,922 |
| Noninterest expense to average assets | 2.1984% | 7,056 |
| Loan and lease loss provision to assets | 0.6002% | 2,647 |
| Net operating income to assets | 0.4297% | 4,381 |
| Return on assets (ROA) | 0.4297% | 4,495 |
| Pretax return on assets | 0.6155% | 4,283 |
| Return on Equity (ROE) | 4.8890% | 4,128 |
| Retained earnings to average equity (ytd only) | -2.3755% | 5,834 |
| Net charge-offs to loans | 0.6749% | 2,351 |
| Credit loss provision to net charge-offs | 108.5450% | 4,258 |
| Earnings coverage of net charge-offs (x) | 2.1986% | 3,969 |
| Efficiency ratio | 63.5871% | 5,988 |
| Assets per employee ($millions) | 6.1056% | 1,155 |
| Cash dividends to net income (ytd only)* | 148.5884% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 5,013 |
| Loan loss allowance to noncurrent loans | 67.1671% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 4.1864% | 1,379 |
| Noncurrent loans to loans | 1.7729% | 3,845 |
| Net loans and leases to total assets | 82.2623% | 909 |
| Net loans and leases to deposits | 101.5747% | 1,108 |
| Net loans and leases to core deposits | 113.3651% | 2,982 |
| Total domestic deposits to total assets | 80.9870% | 5,088 |
| Equity capital to assets | 8.8446% | 5,532 |
| Core capital (leverage) ratio | 8.8527% | 4,857 |
| Tier 1 risk-based capital ratio | 9.7566% | 7,178 |
| Total risk-based capital ratio | 10.8772% | 7,247 |
| Memoranda: | ||
| Average total assets | $313,222,330 | 2,180 |
| Average earning assets | $287,993,330 | 2,181 |
| Average equity | $27,531,000 | 2,435 |
| Average total loans | $256,618,330 | 1,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6972% | 3,820 |
| Cost of funding earning assets | 2.3420% | 2,535 |
| Net interest margin | 3.3552% | 5,307 |
| Noninterest income to average assets | 0.3412% | 5,726 |
| Noninterest expense to average assets | 2.0564% | 7,221 |
| Loan and lease loss provision to assets | 0.2598% | 3,885 |
| Net operating income to assets | 0.7258% | 3,440 |
| Return on assets (ROA) | 0.7258% | 3,635 |
| Pretax return on assets | 1.1116% | 2,943 |
| Return on Equity (ROE) | 8.2831% | 3,024 |
| Retained earnings to average equity (ytd only) | -6.2486% | 6,718 |
| Net charge-offs to loans | 0.0595% | 4,635 |
| Credit loss provision to net charge-offs | 536.8421% | 1,025 |
| Earnings coverage of net charge-offs (x) | 28.3421% | 1,106 |
| Efficiency ratio | 59.1753% | 6,527 |
| Assets per employee ($millions) | 5.9969% | 1,200 |
| Cash dividends to net income (ytd only)* | 175.4386% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,232 |
| Loan loss allowance to noncurrent loans | 55.9486% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 4.5307% | 1,056 |
| Noncurrent loans to loans | 2.2805% | 2,882 |
| Net loans and leases to total assets | 82.0369% | 1,013 |
| Net loans and leases to deposits | 99.9326% | 1,416 |
| Net loans and leases to core deposits | 112.8700% | 3,122 |
| Total domestic deposits to total assets | 82.0923% | 4,509 |
| Equity capital to assets | 9.1244% | 5,191 |
| Core capital (leverage) ratio | 8.6108% | 5,318 |
| Tier 1 risk-based capital ratio | 10.2595% | 6,634 |
| Total risk-based capital ratio | 11.4786% | 6,596 |
| Memoranda: | ||
| Average total assets | $314,140,000 | 2,191 |
| Average earning assets | $288,985,500 | 2,186 |
| Average equity | $27,526,000 | 2,453 |
| Average total loans | $255,307,000 | 1,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3996% | 3,420 |
| Cost of funding earning assets | 2.8904% | 2,301 |
| Net interest margin | 3.5092% | 5,269 |
| Noninterest income to average assets | 0.3611% | 5,830 |
| Noninterest expense to average assets | 2.0318% | 7,385 |
| Loan and lease loss provision to assets | 0.9282% | 1,602 |
| Net operating income to assets | 0.4378% | 4,998 |
| Return on assets (ROA) | 0.4378% | 4,821 |
| Pretax return on assets | 0.6517% | 4,541 |
| Return on Equity (ROE) | 4.9547% | 4,411 |
| Retained earnings to average equity (ytd only) | -4.1198% | 6,348 |
| Net charge-offs to loans | 0.6589% | 1,882 |
| Credit loss provision to net charge-offs | 170.2353% | 3,008 |
| Earnings coverage of net charge-offs (x) | 2.8976% | 4,633 |
| Efficiency ratio | 55.4924% | 7,088 |
| Assets per employee ($millions) | 6.1969% | 1,037 |
| Cash dividends to net income (ytd only)* | 183.1502% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 4,903 |
| Loan loss allowance to noncurrent loans | 40.0345% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 4.4897% | 840 |
| Noncurrent loans to loans | 2.8785% | 1,874 |
| Net loans and leases to total assets | 78.6878% | 1,957 |
| Net loans and leases to deposits | 95.4439% | 2,539 |
| Net loans and leases to core deposits | 104.2896% | 4,364 |
| Total domestic deposits to total assets | 82.4441% | 4,028 |
| Equity capital to assets | 8.4318% | 6,202 |
| Core capital (leverage) ratio | 8.4983% | 5,581 |
| Tier 1 risk-based capital ratio | 9.8174% | 6,941 |
| Total risk-based capital ratio | 10.9064% | 7,033 |
| Memoranda: | ||
| Average total assets | $311,789,000 | 2,144 |
| Average earning assets | $288,815,400 | 2,109 |
| Average equity | $27,549,600 | 2,433 |
| Average total loans | $258,013,000 | 1,852 |