Home > Minnwest Bank Luverne > Performance and Condition Ratios
Minnwest Bank Luverne, 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 | 3.8892% | 4,123 |
| Cost of funding earning assets | 0.2853% | 5,215 |
| Net interest margin | 3.6039% | 3,228 |
| Noninterest income to average assets | 0.2766% | 5,160 |
| Noninterest expense to average assets | 1.8667% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1014% | 1,812 |
| Return on assets (ROA) | 1.1014% | 1,870 |
| Pretax return on assets | 1.8429% | 745 |
| Return on Equity (ROE) | 11.3737% | 1,577 |
| Retained earnings to average equity (ytd only) | 2.7573% | 4,432 |
| Net charge-offs to loans | 0.1408% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.8043% | 1,492 |
| Efficiency ratio | 49.5501% | 6,282 |
| Assets per employee ($millions) | 6.0974% | 1,244 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,952 |
| Loan loss allowance to noncurrent loans | 4,887.5000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 4,621 |
| Noncurrent loans to loans | 0.0316% | 6,056 |
| Net loans and leases to total assets | 75.6793% | 1,042 |
| Net loans and leases to deposits | 86.2979% | 1,563 |
| Net loans and leases to core deposits | 87.2834% | 2,168 |
| Total domestic deposits to total assets | 87.6954% | 2,409 |
| Equity capital to assets | 9.9047% | 3,955 |
| Core capital (leverage) ratio | 9.4817% | 4,312 |
| Tier 1 risk-based capital ratio | 12.2182% | 5,497 |
| Total risk-based capital ratio | 13.4712% | 5,427 |
| Memoranda: | ||
| Average total assets | $167,781,500 | 3,437 |
| Average earning assets | $159,826,000 | 3,348 |
| Average equity | $16,248,000 | 3,660 |
| Average total loans | $130,679,500 | 2,866 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 4,572 |
| Cost of funding earning assets | 0.3404% | 5,238 |
| Net interest margin | 3.5303% | 3,761 |
| Noninterest income to average assets | 0.2580% | 5,501 |
| Noninterest expense to average assets | 1.9910% | 6,045 |
| Loan and lease loss provision to assets | -0.2984% | 6,676 |
| Net operating income to assets | 1.1369% | 1,806 |
| Return on assets (ROA) | 1.1369% | 1,868 |
| Pretax return on assets | 1.8970% | 605 |
| Return on Equity (ROE) | 11.9192% | 1,443 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,582 |
| Net charge-offs to loans | -0.8550% | 6,754 |
| Credit loss provision to net charge-offs | 48.0116% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6264% | 6,081 |
| Assets per employee ($millions) | 6.3309% | 1,072 |
| Cash dividends to net income (ytd only)* | 68.9290% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,266 |
| Loan loss allowance to noncurrent loans | 1,361.2245% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 4,525 |
| Noncurrent loans to loans | 0.1090% | 5,880 |
| Net loans and leases to total assets | 77.6984% | 860 |
| Net loans and leases to deposits | 89.2879% | 1,316 |
| Net loans and leases to core deposits | 90.2771% | 1,990 |
| Total domestic deposits to total assets | 87.0201% | 2,717 |
| Equity capital to assets | 9.4715% | 4,470 |
| Core capital (leverage) ratio | 9.4406% | 4,350 |
| Tier 1 risk-based capital ratio | 11.2941% | 6,027 |
| Total risk-based capital ratio | 12.5465% | 5,963 |
| Memoranda: | ||
| Average total assets | $165,892,400 | 3,475 |
| Average earning assets | $156,560,800 | 3,392 |
| Average equity | $15,823,200 | 3,733 |
| Average total loans | $120,591,200 | 3,025 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,688 |
| Cost of funding earning assets | 0.3551% | 5,251 |
| Net interest margin | 3.4873% | 3,936 |
| Noninterest income to average assets | 0.2689% | 5,532 |
| Noninterest expense to average assets | 1.9251% | 6,146 |
| Loan and lease loss provision to assets | 0.0243% | 4,522 |
| Net operating income to assets | 0.9646% | 2,523 |
| Return on assets (ROA) | 0.9646% | 2,621 |
| Pretax return on assets | 1.6043% | 1,328 |
| Return on Equity (ROE) | 10.0941% | 2,142 |
| Retained earnings to average equity (ytd only) | 2.0426% | 5,105 |
| Net charge-offs to loans | -1.1096% | 6,836 |
| Credit loss provision to net charge-offs | -3.0801% | 5,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3045% | 6,159 |
| Assets per employee ($millions) | 6.2657% | 1,061 |
| Cash dividends to net income (ytd only)* | 79.7652% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,609 |
| Loan loss allowance to noncurrent loans | 487.9447% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 4,048 |
| Noncurrent loans to loans | 0.4203% | 5,146 |
| Net loans and leases to total assets | 72.3812% | 1,546 |
| Net loans and leases to deposits | 82.4268% | 2,085 |
| Net loans and leases to core deposits | 83.3845% | 2,720 |
| Total domestic deposits to total assets | 87.8127% | 2,237 |
| Equity capital to assets | 9.7252% | 4,278 |
| Core capital (leverage) ratio | 9.3592% | 4,595 |
| Tier 1 risk-based capital ratio | 12.1512% | 5,681 |
| Total risk-based capital ratio | 13.4105% | 5,614 |
| Memoranda: | ||
| Average total assets | $164,632,000 | 3,524 |
| Average earning assets | $155,075,000 | 3,452 |
| Average equity | $15,731,500 | 3,787 |
| Average total loans | $117,035,500 | 3,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,850 |
| Cost of funding earning assets | 0.3652% | 5,262 |
| Net interest margin | 3.4281% | 4,083 |
| Noninterest income to average assets | 0.2651% | 5,557 |
| Noninterest expense to average assets | 1.9382% | 6,154 |
| Loan and lease loss provision to assets | 0.0363% | 4,220 |
| Net operating income to assets | 0.9128% | 2,729 |
| Return on assets (ROA) | 0.9128% | 2,868 |
| Pretax return on assets | 1.5181% | 1,565 |
| Return on Equity (ROE) | 9.6086% | 2,367 |
| Retained earnings to average equity (ytd only) | 1.9625% | 5,024 |
| Net charge-offs to loans | -1.0456% | 6,870 |
| Credit loss provision to net charge-offs | -4.9505% | 5,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6274% | 6,092 |
| Assets per employee ($millions) | 6.5288% | 888 |
| Cash dividends to net income (ytd only)* | 79.5756% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,395 |
| Loan loss allowance to noncurrent loans | 390.5204% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 3,173 |
| Noncurrent loans to loans | 0.4643% | 5,098 |
| Net loans and leases to total assets | 69.7078% | 1,934 |
| Net loans and leases to deposits | 79.2523% | 2,428 |
| Net loans and leases to core deposits | 80.1681% | 3,005 |
| Total domestic deposits to total assets | 87.9567% | 2,277 |
| Equity capital to assets | 9.6367% | 4,404 |
| Core capital (leverage) ratio | 9.2089% | 4,686 |
| Tier 1 risk-based capital ratio | 12.5135% | 5,488 |
| Total risk-based capital ratio | 13.7691% | 5,425 |
| Memoranda: | ||
| Average total assets | $165,207,000 | 3,538 |
| Average earning assets | $155,536,000 | 3,470 |
| Average equity | $15,694,330 | 3,823 |
| Average total loans | $115,919,670 | 3,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,788 |
| Cost of funding earning assets | 0.3779% | 5,303 |
| Net interest margin | 3.4350% | 3,981 |
| Noninterest income to average assets | 0.2720% | 5,506 |
| Noninterest expense to average assets | 1.7762% | 6,465 |
| Loan and lease loss provision to assets | 0.0722% | 3,425 |
| Net operating income to assets | 0.9844% | 2,295 |
| Return on assets (ROA) | 0.9844% | 2,418 |
| Pretax return on assets | 1.6390% | 1,220 |
| Return on Equity (ROE) | 10.4357% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.0569% | 3,796 |
| Net charge-offs to loans | -0.9798% | 6,927 |
| Credit loss provision to net charge-offs | -10.5634% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0345% | 6,499 |
| Assets per employee ($millions) | 6.2891% | 1,079 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 3,558 |
| Loan loss allowance to noncurrent loans | 327.6243% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 3,363 |
| Noncurrent loans to loans | 0.4772% | 5,229 |
| Net loans and leases to total assets | 68.4991% | 1,924 |
| Net loans and leases to deposits | 78.0248% | 2,335 |
| Net loans and leases to core deposits | 78.9265% | 2,944 |
| Total domestic deposits to total assets | 87.7914% | 2,464 |
| Equity capital to assets | 9.6437% | 4,651 |
| Core capital (leverage) ratio | 9.2760% | 4,441 |
| Tier 1 risk-based capital ratio | 12.8359% | 5,351 |
| Total risk-based capital ratio | 14.0889% | 5,296 |
| Memoranda: | ||
| Average total assets | $166,200,500 | 3,560 |
| Average earning assets | $155,576,500 | 3,507 |
| Average equity | $15,677,000 | 3,878 |
| Average total loans | $115,940,500 | 3,159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 5,402 |
| Cost of funding earning assets | 0.6382% | 4,022 |
| Net interest margin | 3.3298% | 5,143 |
| Noninterest income to average assets | 0.2070% | 5,934 |
| Noninterest expense to average assets | 1.9252% | 6,463 |
| Loan and lease loss provision to assets | 0.0720% | 4,835 |
| Net operating income to assets | 0.8009% | 3,283 |
| Return on assets (ROA) | 0.8009% | 3,534 |
| Pretax return on assets | 1.3307% | 2,287 |
| Return on Equity (ROE) | 8.7724% | 2,751 |
| Retained earnings to average equity (ytd only) | 4.5012% | 3,065 |
| Net charge-offs to loans | 0.0044% | 5,914 |
| Credit loss provision to net charge-offs | 2,400.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 467.6000% | 87 |
| Efficiency ratio | 56.9497% | 5,959 |
| Assets per employee ($millions) | 6.4956% | 1,005 |
| Cash dividends to net income (ytd only)* | 48.6891% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 4,928 |
| Loan loss allowance to noncurrent loans | 242.9519% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 3,481 |
| Noncurrent loans to loans | 0.5106% | 5,256 |
| Net loans and leases to total assets | 69.0588% | 2,019 |
| Net loans and leases to deposits | 78.1949% | 2,497 |
| Net loans and leases to core deposits | 79.0642% | 3,142 |
| Total domestic deposits to total assets | 88.3163% | 2,018 |
| Equity capital to assets | 9.2282% | 5,239 |
| Core capital (leverage) ratio | 9.0572% | 4,810 |
| Tier 1 risk-based capital ratio | 12.0795% | 5,737 |
| Total risk-based capital ratio | 13.2650% | 5,732 |
| Memoranda: | ||
| Average total assets | $166,681,400 | 3,508 |
| Average earning assets | $156,227,200 | 3,439 |
| Average equity | $15,218,200 | 3,911 |
| Average total loans | $112,859,600 | 3,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 5,577 |
| Cost of funding earning assets | 0.6963% | 3,802 |
| Net interest margin | 3.2799% | 5,456 |
| Noninterest income to average assets | 0.2271% | 5,929 |
| Noninterest expense to average assets | 1.9655% | 6,414 |
| Loan and lease loss provision to assets | 0.0722% | 4,762 |
| Net operating income to assets | 0.7681% | 3,610 |
| Return on assets (ROA) | 0.7681% | 3,866 |
| Pretax return on assets | 1.2745% | 2,694 |
| Return on Equity (ROE) | 8.4353% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.0282% | 4,054 |
| Net charge-offs to loans | 0.0873% | 4,514 |
| Credit loss provision to net charge-offs | 123.2877% | 2,349 |
| Earnings coverage of net charge-offs (x) | 22.9865% | 1,333 |
| Efficiency ratio | 58.4444% | 5,727 |
| Assets per employee ($millions) | 5.8445% | 1,342 |
| Cash dividends to net income (ytd only)* | 52.2465% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 5,089 |
| Loan loss allowance to noncurrent loans | 205.8735% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 3,494 |
| Noncurrent loans to loans | 0.6028% | 5,232 |
| Net loans and leases to total assets | 66.4732% | 2,568 |
| Net loans and leases to deposits | 75.5018% | 3,057 |
| Net loans and leases to core deposits | 76.3765% | 3,680 |
| Total domestic deposits to total assets | 88.0418% | 2,023 |
| Equity capital to assets | 9.4045% | 5,329 |
| Core capital (leverage) ratio | 9.1161% | 4,885 |
| Tier 1 risk-based capital ratio | 12.8268% | 5,390 |
| Total risk-based capital ratio | 14.0206% | 5,383 |
| Memoranda: | ||
| Average total assets | $166,130,500 | 3,550 |
| Average earning assets | $156,259,750 | 3,482 |
| Average equity | $15,126,500 | 3,970 |
| Average total loans | $111,550,750 | 3,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 5,736 |
| Cost of funding earning assets | 0.7623% | 3,499 |
| Net interest margin | 3.2065% | 5,718 |
| Noninterest income to average assets | 0.2036% | 6,103 |
| Noninterest expense to average assets | 1.9969% | 6,441 |
| Loan and lease loss provision to assets | 0.0719% | 4,731 |
| Net operating income to assets | 0.6876% | 3,935 |
| Return on assets (ROA) | 0.6876% | 4,197 |
| Pretax return on assets | 1.1428% | 3,142 |
| Return on Equity (ROE) | 7.6337% | 3,431 |
| Retained earnings to average equity (ytd only) | 2.9790% | 4,656 |
| Net charge-offs to loans | 0.0839% | 4,308 |
| Credit loss provision to net charge-offs | 127.6596% | 2,156 |
| Earnings coverage of net charge-offs (x) | 21.5745% | 1,336 |
| Efficiency ratio | 61.2458% | 5,376 |
| Assets per employee ($millions) | 5.8261% | 1,351 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,099 |
| Loan loss allowance to noncurrent loans | 142.7225% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9469% | 2,849 |
| Noncurrent loans to loans | 0.8802% | 4,732 |
| Net loans and leases to total assets | 65.6705% | 2,739 |
| Net loans and leases to deposits | 75.0387% | 3,122 |
| Net loans and leases to core deposits | 75.7813% | 3,786 |
| Total domestic deposits to total assets | 87.5156% | 2,458 |
| Equity capital to assets | 9.2864% | 5,342 |
| Core capital (leverage) ratio | 8.7242% | 5,341 |
| Tier 1 risk-based capital ratio | 12.7296% | 5,394 |
| Total risk-based capital ratio | 13.9310% | 5,409 |
| Memoranda: | ||
| Average total assets | $166,959,000 | 3,551 |
| Average earning assets | $156,621,330 | 3,487 |
| Average equity | $15,038,670 | 3,980 |
| Average total loans | $112,018,670 | 3,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 5,763 |
| Cost of funding earning assets | 0.8080% | 3,409 |
| Net interest margin | 3.1889% | 5,812 |
| Noninterest income to average assets | 0.0924% | 6,783 |
| Noninterest expense to average assets | 1.8641% | 6,712 |
| Loan and lease loss provision to assets | 0.0711% | 4,513 |
| Net operating income to assets | 0.6893% | 3,935 |
| Return on assets (ROA) | 0.6893% | 4,153 |
| Pretax return on assets | 1.1488% | 3,116 |
| Return on Equity (ROE) | 7.7685% | 3,376 |
| Retained earnings to average equity (ytd only) | 2.4293% | 5,047 |
| Net charge-offs to loans | -0.0176% | 6,132 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 5,689 |
| Assets per employee ($millions) | 6.0042% | 1,281 |
| Cash dividends to net income (ytd only)* | 68.7285% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,272 |
| Loan loss allowance to noncurrent loans | 83.2332% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.3906% | 2,485 |
| Noncurrent loans to loans | 1.4969% | 3,876 |
| Net loans and leases to total assets | 65.2974% | 2,598 |
| Net loans and leases to deposits | 74.3745% | 3,068 |
| Net loans and leases to core deposits | 75.0800% | 3,734 |
| Total domestic deposits to total assets | 87.7954% | 2,462 |
| Equity capital to assets | 8.9497% | 5,568 |
| Core capital (leverage) ratio | 8.6602% | 5,359 |
| Tier 1 risk-based capital ratio | 12.4320% | 5,658 |
| Total risk-based capital ratio | 13.6364% | 5,652 |
| Memoranda: | ||
| Average total assets | $168,873,000 | 3,536 |
| Average earning assets | $158,425,500 | 3,465 |
| Average equity | $14,983,500 | 3,994 |
| Average total loans | $113,782,000 | 3,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 5,615 |
| Cost of funding earning assets | 1.1580% | 2,293 |
| Net interest margin | 3.1871% | 6,132 |
| Noninterest income to average assets | 0.0223% | 6,930 |
| Noninterest expense to average assets | 2.0937% | 6,505 |
| Loan and lease loss provision to assets | 0.1735% | 4,462 |
| Net operating income to assets | 0.4486% | 4,652 |
| Return on assets (ROA) | 0.4486% | 4,855 |
| Pretax return on assets | 0.7408% | 4,188 |
| Return on Equity (ROE) | 5.2420% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.2420% | 2,487 |
| Net charge-offs to loans | 0.5018% | 2,984 |
| Credit loss provision to net charge-offs | 49.4137% | 5,433 |
| Earnings coverage of net charge-offs (x) | 2.6047% | 3,911 |
| Efficiency ratio | 68.6278% | 4,225 |
| Assets per employee ($millions) | 5.8493% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,576 |
| Loan loss allowance to noncurrent loans | 85.1735% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 2.3675% | 2,560 |
| Noncurrent loans to loans | 1.3616% | 4,101 |
| Net loans and leases to total assets | 67.8263% | 2,435 |
| Net loans and leases to deposits | 77.0658% | 2,986 |
| Net loans and leases to core deposits | 77.7884% | 3,704 |
| Total domestic deposits to total assets | 88.0109% | 2,146 |
| Equity capital to assets | 8.7963% | 5,799 |
| Core capital (leverage) ratio | 8.4220% | 5,682 |
| Tier 1 risk-based capital ratio | 11.7836% | 5,969 |
| Total risk-based capital ratio | 12.9043% | 6,043 |
| Memoranda: | ||
| Average total assets | $170,077,800 | 3,488 |
| Average earning assets | $159,329,800 | 3,419 |
| Average equity | $14,555,600 | 3,997 |
| Average total loans | $118,965,800 | 3,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 5,496 |
| Cost of funding earning assets | 1.2249% | 2,162 |
| Net interest margin | 3.2057% | 6,147 |
| Noninterest income to average assets | 0.0078% | 7,082 |
| Noninterest expense to average assets | 2.1497% | 6,397 |
| Loan and lease loss provision to assets | 0.1919% | 4,105 |
| Net operating income to assets | 0.4121% | 4,944 |
| Return on assets (ROA) | 0.4121% | 5,132 |
| Pretax return on assets | 0.6698% | 4,575 |
| Return on Equity (ROE) | 4.8486% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.8486% | 3,279 |
| Net charge-offs to loans | 0.4069% | 3,096 |
| Credit loss provision to net charge-offs | 67.1233% | 4,572 |
| Earnings coverage of net charge-offs (x) | 3.0137% | 3,628 |
| Efficiency ratio | 70.4214% | 3,875 |
| Assets per employee ($millions) | 5.7317% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,578 |
| Loan loss allowance to noncurrent loans | 80.7591% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 3.4232% | 1,844 |
| Noncurrent loans to loans | 1.7295% | 3,727 |
| Net loans and leases to total assets | 65.0652% | 3,092 |
| Net loans and leases to deposits | 74.1678% | 3,634 |
| Net loans and leases to core deposits | 75.3003% | 4,279 |
| Total domestic deposits to total assets | 87.7270% | 2,215 |
| Equity capital to assets | 8.8655% | 5,899 |
| Core capital (leverage) ratio | 8.3721% | 5,894 |
| Tier 1 risk-based capital ratio | 12.2077% | 5,738 |
| Total risk-based capital ratio | 13.4588% | 5,721 |
| Memoranda: | ||
| Average total assets | $170,190,000 | 3,513 |
| Average earning assets | $159,460,250 | 3,436 |
| Average equity | $14,464,250 | 4,043 |
| Average total loans | $119,606,500 | 3,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 5,541 |
| Cost of funding earning assets | 1.2607% | 2,181 |
| Net interest margin | 3.1834% | 6,214 |
| Noninterest income to average assets | -0.1178% | 7,299 |
| Noninterest expense to average assets | 2.2307% | 6,303 |
| Loan and lease loss provision to assets | 0.2449% | 3,456 |
| Net operating income to assets | 0.2507% | 5,560 |
| Return on assets (ROA) | 0.2507% | 5,684 |
| Pretax return on assets | 0.4011% | 5,388 |
| Return on Equity (ROE) | 2.9916% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.9916% | 4,373 |
| Net charge-offs to loans | 0.1578% | 4,233 |
| Credit loss provision to net charge-offs | 216.4948% | 1,377 |
| Earnings coverage of net charge-offs (x) | 5.7113% | 2,544 |
| Efficiency ratio | 76.5302% | 2,932 |
| Assets per employee ($millions) | 5.8144% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,208 |
| Loan loss allowance to noncurrent loans | 42.9963% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.9824% | 1,613 |
| Noncurrent loans to loans | 3.4491% | 2,052 |
| Net loans and leases to total assets | 69.5372% | 2,311 |
| Net loans and leases to deposits | 81.4076% | 2,538 |
| Net loans and leases to core deposits | 82.6663% | 3,409 |
| Total domestic deposits to total assets | 85.4186% | 3,661 |
| Equity capital to assets | 8.5696% | 6,102 |
| Core capital (leverage) ratio | 8.1388% | 6,113 |
| Tier 1 risk-based capital ratio | 11.2287% | 6,367 |
| Total risk-based capital ratio | 12.4810% | 6,359 |
| Memoranda: | ||
| Average total assets | $171,514,000 | 3,504 |
| Average earning assets | $161,337,330 | 3,422 |
| Average equity | $14,373,670 | 4,049 |
| Average total loans | $122,914,670 | 3,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 5,438 |
| Cost of funding earning assets | 1.3054% | 2,146 |
| Net interest margin | 3.1663% | 6,178 |
| Noninterest income to average assets | 0.2567% | 5,842 |
| Noninterest expense to average assets | 2.0675% | 6,698 |
| Loan and lease loss provision to assets | 0.2428% | 3,241 |
| Net operating income to assets | 0.5666% | 4,203 |
| Return on assets (ROA) | 0.5666% | 4,277 |
| Pretax return on assets | 0.9251% | 3,410 |
| Return on Equity (ROE) | 6.8362% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.8362% | 2,220 |
| Net charge-offs to loans | 0.3236% | 2,767 |
| Credit loss provision to net charge-offs | 103.9604% | 2,556 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 63.0450% | 5,520 |
| Assets per employee ($millions) | 5.9502% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,716 |
| Loan loss allowance to noncurrent loans | 27.6461% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 5.2852% | 1,169 |
| Noncurrent loans to loans | 5.0260% | 1,338 |
| Net loans and leases to total assets | 68.1077% | 2,526 |
| Net loans and leases to deposits | 79.7027% | 2,764 |
| Net loans and leases to core deposits | 83.4421% | 3,237 |
| Total domestic deposits to total assets | 85.4523% | 3,810 |
| Equity capital to assets | 8.3689% | 6,088 |
| Core capital (leverage) ratio | 7.9337% | 6,322 |
| Tier 1 risk-based capital ratio | 11.2132% | 6,338 |
| Total risk-based capital ratio | 12.4646% | 6,307 |
| Memoranda: | ||
| Average total assets | $172,961,500 | 3,505 |
| Average earning assets | $162,712,000 | 3,410 |
| Average equity | $14,335,500 | 4,039 |
| Average total loans | $124,863,000 | 3,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,303 |
| Cost of funding earning assets | 1.5524% | 2,344 |
| Net interest margin | 3.5017% | 5,244 |
| Noninterest income to average assets | -0.1102% | 7,396 |
| Noninterest expense to average assets | 2.1177% | 6,804 |
| Loan and lease loss provision to assets | 0.2040% | 5,204 |
| Net operating income to assets | 0.5019% | 4,087 |
| Return on assets (ROA) | 0.5019% | 4,251 |
| Pretax return on assets | 0.8184% | 3,577 |
| Return on Equity (ROE) | 6.2346% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.2346% | 1,699 |
| Net charge-offs to loans | 0.3003% | 4,513 |
| Credit loss provision to net charge-offs | 92.1053% | 5,039 |
| Earnings coverage of net charge-offs (x) | 4.6158% | 2,867 |
| Efficiency ratio | 66.5120% | 4,864 |
| Assets per employee ($millions) | 5.9782% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,181 |
| Loan loss allowance to noncurrent loans | 73.3245% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 3.0669% | 2,303 |
| Noncurrent loans to loans | 1.7258% | 3,913 |
| Net loans and leases to total assets | 74.3475% | 1,587 |
| Net loans and leases to deposits | 86.7558% | 1,971 |
| Net loans and leases to core deposits | 90.7934% | 2,649 |
| Total domestic deposits to total assets | 85.6974% | 3,497 |
| Equity capital to assets | 8.2080% | 6,252 |
| Core capital (leverage) ratio | 7.8359% | 6,395 |
| Tier 1 risk-based capital ratio | 10.1088% | 6,933 |
| Total risk-based capital ratio | 11.3569% | 6,917 |
| Memoranda: | ||
| Average total assets | $171,551,600 | 3,505 |
| Average earning assets | $159,238,600 | 3,465 |
| Average equity | $13,810,000 | 4,179 |
| Average total loans | $126,545,400 | 3,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 3,992 |
| Cost of funding earning assets | 1.5947% | 2,420 |
| Net interest margin | 3.5743% | 4,992 |
| Noninterest income to average assets | -0.2525% | 7,618 |
| Noninterest expense to average assets | 2.1710% | 6,682 |
| Loan and lease loss provision to assets | 0.2727% | 4,403 |
| Net operating income to assets | 0.3764% | 4,860 |
| Return on assets (ROA) | 0.3764% | 5,046 |
| Pretax return on assets | 0.6102% | 4,565 |
| Return on Equity (ROE) | 4.6989% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.6989% | 3,195 |
| Net charge-offs to loans | 0.3983% | 3,693 |
| Credit loss provision to net charge-offs | 93.3333% | 4,646 |
| Earnings coverage of net charge-offs (x) | 3.0213% | 3,622 |
| Efficiency ratio | 70.1454% | 4,036 |
| Assets per employee ($millions) | 5.6321% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,634 |
| Loan loss allowance to noncurrent loans | 71.9184% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 3.2368% | 2,206 |
| Noncurrent loans to loans | 1.9012% | 3,800 |
| Net loans and leases to total assets | 70.7419% | 2,549 |
| Net loans and leases to deposits | 82.7554% | 2,952 |
| Net loans and leases to core deposits | 89.3192% | 3,200 |
| Total domestic deposits to total assets | 85.4831% | 3,356 |
| Equity capital to assets | 8.2178% | 6,597 |
| Core capital (leverage) ratio | 7.7964% | 6,573 |
| Tier 1 risk-based capital ratio | 10.4660% | 6,798 |
| Total risk-based capital ratio | 11.7173% | 6,789 |
| Memoranda: | ||
| Average total assets | $171,097,750 | 3,557 |
| Average earning assets | $158,272,000 | 3,527 |
| Average equity | $13,705,000 | 4,274 |
| Average total loans | $125,545,250 | 3,256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 3,995 |
| Cost of funding earning assets | 1.6183% | 2,555 |
| Net interest margin | 3.5746% | 4,927 |
| Noninterest income to average assets | -0.1304% | 7,644 |
| Noninterest expense to average assets | 2.2409% | 6,542 |
| Loan and lease loss provision to assets | 0.3492% | 3,625 |
| Net operating income to assets | 0.3574% | 4,938 |
| Return on assets (ROA) | 0.3574% | 5,098 |
| Pretax return on assets | 0.5785% | 4,634 |
| Return on Equity (ROE) | 4.4998% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.4998% | 3,202 |
| Net charge-offs to loans | 0.3228% | 3,711 |
| Credit loss provision to net charge-offs | 146.3415% | 2,701 |
| Earnings coverage of net charge-offs (x) | 3.8878% | 3,136 |
| Efficiency ratio | 69.8016% | 4,222 |
| Assets per employee ($millions) | 5.5638% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,266 |
| Loan loss allowance to noncurrent loans | 66.2565% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 3.6755% | 1,902 |
| Noncurrent loans to loans | 2.1659% | 3,511 |
| Net loans and leases to total assets | 73.1234% | 2,134 |
| Net loans and leases to deposits | 85.5517% | 2,587 |
| Net loans and leases to core deposits | 92.0794% | 2,972 |
| Total domestic deposits to total assets | 85.4728% | 3,383 |
| Equity capital to assets | 8.2401% | 6,494 |
| Core capital (leverage) ratio | 7.6936% | 6,618 |
| Tier 1 risk-based capital ratio | 10.3594% | 6,791 |
| Total risk-based capital ratio | 11.6120% | 6,776 |
| Memoranda: | ||
| Average total assets | $171,809,670 | 3,575 |
| Average earning assets | $158,564,670 | 3,541 |
| Average equity | $13,645,000 | 4,283 |
| Average total loans | $126,999,000 | 3,260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 4,262 |
| Cost of funding earning assets | 1.6184% | 2,848 |
| Net interest margin | 3.5389% | 4,998 |
| Noninterest income to average assets | 0.3168% | 5,612 |
| Noninterest expense to average assets | 2.2381% | 6,587 |
| Loan and lease loss provision to assets | 0.3443% | 3,315 |
| Net operating income to assets | 0.6037% | 3,879 |
| Return on assets (ROA) | 0.6037% | 4,026 |
| Pretax return on assets | 0.9870% | 3,136 |
| Return on Equity (ROE) | 7.7407% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.7407% | 1,820 |
| Net charge-offs to loans | 0.0436% | 4,986 |
| Credit loss provision to net charge-offs | 1,071.4286% | 438 |
| Earnings coverage of net charge-offs (x) | 41.4286% | 669 |
| Efficiency ratio | 61.9293% | 5,843 |
| Assets per employee ($millions) | 5.4835% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 4,350 |
| Loan loss allowance to noncurrent loans | 87.4880% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 4.3062% | 1,579 |
| Noncurrent loans to loans | 1.6152% | 4,325 |
| Net loans and leases to total assets | 74.6141% | 1,831 |
| Net loans and leases to deposits | 87.0767% | 2,397 |
| Net loans and leases to core deposits | 94.8533% | 2,722 |
| Total domestic deposits to total assets | 85.6878% | 3,325 |
| Equity capital to assets | 8.0688% | 6,578 |
| Core capital (leverage) ratio | 7.5691% | 6,773 |
| Tier 1 risk-based capital ratio | 9.6064% | 7,245 |
| Total risk-based capital ratio | 10.8576% | 7,241 |
| Memoranda: | ||
| Average total assets | $174,257,000 | 3,589 |
| Average earning assets | $160,162,000 | 3,565 |
| Average equity | $13,590,500 | 4,331 |
| Average total loans | $128,583,000 | 3,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5312% | 3,984 |
| Cost of funding earning assets | 1.8029% | 3,980 |
| Net interest margin | 3.7283% | 4,011 |
| Noninterest income to average assets | 0.0646% | 7,426 |
| Noninterest expense to average assets | 1.9585% | 7,430 |
| Loan and lease loss provision to assets | 2.5069% | 791 |
| Net operating income to assets | -0.5220% | 6,211 |
| Return on assets (ROA) | -0.5220% | 6,197 |
| Pretax return on assets | -0.8802% | 6,331 |
| Return on Equity (ROE) | -6.4243% | 6,341 |
| Retained earnings to average equity (ytd only) | -6.4243% | 6,186 |
| Net charge-offs to loans | 3.6579% | 511 |
| Credit loss provision to net charge-offs | 83.1503% | 6,217 |
| Earnings coverage of net charge-offs (x) | 0.5396% | 5,573 |
| Efficiency ratio | 53.7498% | 7,254 |
| Assets per employee ($millions) | 5.5789% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,703 |
| Loan loss allowance to noncurrent loans | 81.6109% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 4.0823% | 1,617 |
| Noncurrent loans to loans | 1.6037% | 4,254 |
| Net loans and leases to total assets | 71.0434% | 2,990 |
| Net loans and leases to deposits | 82.0551% | 3,605 |
| Net loans and leases to core deposits | 91.7755% | 4,917 |
| Total domestic deposits to total assets | 86.5801% | 2,715 |
| Equity capital to assets | 7.5423% | 6,995 |
| Core capital (leverage) ratio | 7.0351% | 7,207 |
| Tier 1 risk-based capital ratio | 9.3525% | 7,303 |
| Total risk-based capital ratio | 10.6029% | 7,285 |
| Memoranda: | ||
| Average total assets | $178,147,800 | 3,470 |
| Average earning assets | $168,227,600 | 3,382 |
| Average equity | $14,476,200 | 4,153 |
| Average total loans | $146,834,600 | 2,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 4,029 |
| Cost of funding earning assets | 1.8257% | 4,253 |
| Net interest margin | 3.7450% | 3,888 |
| Noninterest income to average assets | 0.2449% | 6,481 |
| Noninterest expense to average assets | 1.9844% | 7,412 |
| Loan and lease loss provision to assets | 1.1292% | 1,729 |
| Net operating income to assets | 0.4276% | 4,287 |
| Return on assets (ROA) | 0.4276% | 4,389 |
| Pretax return on assets | 0.6934% | 3,886 |
| Return on Equity (ROE) | 5.1688% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.1688% | 2,390 |
| Net charge-offs to loans | 1.4476% | 1,431 |
| Credit loss provision to net charge-offs | 91.7275% | 5,438 |
| Earnings coverage of net charge-offs (x) | 1.4805% | 4,677 |
| Efficiency ratio | 51.2785% | 7,463 |
| Assets per employee ($millions) | 5.5541% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 2,980 |
| Loan loss allowance to noncurrent loans | 42.2586% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 3.9436% | 1,637 |
| Noncurrent loans to loans | 3.7885% | 1,963 |
| Net loans and leases to total assets | 84.7584% | 456 |
| Net loans and leases to deposits | 101.8815% | 933 |
| Net loans and leases to core deposits | 114.4687% | 2,785 |
| Total domestic deposits to total assets | 83.1931% | 4,121 |
| Equity capital to assets | 8.4521% | 6,308 |
| Core capital (leverage) ratio | 7.9135% | 6,485 |
| Tier 1 risk-based capital ratio | 9.0465% | 7,605 |
| Total risk-based capital ratio | 10.3007% | 7,609 |
| Memoranda: | ||
| Average total assets | $178,053,250 | 3,493 |
| Average earning assets | $169,357,500 | 3,379 |
| Average equity | $14,729,000 | 4,146 |
| Average total loans | $151,415,000 | 2,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 4,109 |
| Cost of funding earning assets | 1.8525% | 4,499 |
| Net interest margin | 3.7403% | 3,792 |
| Noninterest income to average assets | 0.2705% | 6,333 |
| Noninterest expense to average assets | 1.9982% | 7,470 |
| Loan and lease loss provision to assets | 1.1226% | 1,528 |
| Net operating income to assets | 0.4344% | 4,361 |
| Return on assets (ROA) | 0.4344% | 4,476 |
| Pretax return on assets | 0.7061% | 3,974 |
| Return on Equity (ROE) | 5.2900% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.2900% | 2,351 |
| Net charge-offs to loans | 2.1411% | 860 |
| Credit loss provision to net charge-offs | 61.9195% | 5,563 |
| Earnings coverage of net charge-offs (x) | 1.0087% | 4,776 |
| Efficiency ratio | 51.3347% | 7,567 |
| Assets per employee ($millions) | 5.5463% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,240 |
| Loan loss allowance to noncurrent loans | 73.4724% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.1935% | 2,944 |
| Noncurrent loans to loans | 1.7770% | 3,835 |
| Net loans and leases to total assets | 83.9915% | 641 |
| Net loans and leases to deposits | 98.4025% | 1,466 |
| Net loans and leases to core deposits | 109.9451% | 3,376 |
| Total domestic deposits to total assets | 85.3551% | 3,087 |
| Equity capital to assets | 8.3479% | 6,267 |
| Core capital (leverage) ratio | 7.7656% | 6,654 |
| Tier 1 risk-based capital ratio | 8.9667% | 7,714 |
| Total risk-based capital ratio | 10.2171% | 7,735 |
| Memoranda: | ||
| Average total assets | $178,160,670 | 3,511 |
| Average earning assets | $169,396,330 | 3,401 |
| Average equity | $14,631,330 | 4,176 |
| Average total loans | $150,855,670 | 2,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 5,348 |
| Cost of funding earning assets | 1.9538% | 4,360 |
| Net interest margin | 3.4603% | 4,896 |
| Noninterest income to average assets | 0.2599% | 6,371 |
| Noninterest expense to average assets | 1.8823% | 7,579 |
| Loan and lease loss provision to assets | 0.5109% | 2,431 |
| Net operating income to assets | 0.7104% | 3,502 |
| Return on assets (ROA) | 0.7104% | 3,698 |
| Pretax return on assets | 1.1608% | 2,763 |
| Return on Equity (ROE) | 8.7214% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.7214% | 1,562 |
| Net charge-offs to loans | 0.1061% | 4,119 |
| Credit loss provision to net charge-offs | 570.0000% | 989 |
| Earnings coverage of net charge-offs (x) | 18.6500% | 1,454 |
| Efficiency ratio | 51.8285% | 7,437 |
| Assets per employee ($millions) | 5.1915% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 1,761 |
| Loan loss allowance to noncurrent loans | 64.4150% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.9539% | 1,915 |
| Noncurrent loans to loans | 2.8554% | 2,290 |
| Net loans and leases to total assets | 83.9029% | 702 |
| Net loans and leases to deposits | 97.3010% | 1,768 |
| Net loans and leases to core deposits | 108.0385% | 3,674 |
| Total domestic deposits to total assets | 86.2302% | 2,598 |
| Equity capital to assets | 8.3480% | 6,316 |
| Core capital (leverage) ratio | 7.7184% | 6,862 |
| Tier 1 risk-based capital ratio | 9.1536% | 7,703 |
| Total risk-based capital ratio | 10.4110% | 7,699 |
| Memoranda: | ||
| Average total assets | $178,500,500 | 3,533 |
| Average earning assets | $169,927,500 | 3,426 |
| Average equity | $14,539,000 | 4,220 |
| Average total loans | $150,763,000 | 2,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2020% | 4,506 |
| Cost of funding earning assets | 2.3688% | 4,858 |
| Net interest margin | 3.8332% | 3,876 |
| Noninterest income to average assets | 0.2587% | 6,599 |
| Noninterest expense to average assets | 2.0012% | 7,440 |
| Loan and lease loss provision to assets | 1.4790% | 914 |
| Net operating income to assets | 0.2593% | 5,680 |
| Return on assets (ROA) | 0.2593% | 5,496 |
| Pretax return on assets | 0.4110% | 5,228 |
| Return on Equity (ROE) | 2.9386% | 5,257 |
| Retained earnings to average equity (ytd only) | -7.3363% | 6,813 |
| Net charge-offs to loans | 0.4055% | 2,785 |
| Credit loss provision to net charge-offs | 436.1854% | 1,000 |
| Earnings coverage of net charge-offs (x) | 5.5740% | 3,602 |
| Efficiency ratio | 49.6427% | 7,684 |
| Assets per employee ($millions) | 5.4694% | 1,478 |
| Cash dividends to net income (ytd only)* | 349.6503% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,857 |
| Loan loss allowance to noncurrent loans | 89.7018% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.7536% | 1,716 |
| Noncurrent loans to loans | 1.9143% | 2,875 |
| Net loans and leases to total assets | 82.0357% | 1,226 |
| Net loans and leases to deposits | 94.1417% | 2,736 |
| Net loans and leases to core deposits | 103.2812% | 4,470 |
| Total domestic deposits to total assets | 87.1406% | 1,871 |
| Equity capital to assets | 7.9467% | 6,911 |
| Core capital (leverage) ratio | 7.6614% | 6,984 |
| Tier 1 risk-based capital ratio | 8.8026% | 7,908 |
| Total risk-based capital ratio | 10.0579% | 7,954 |
| Memoranda: | ||
| Average total assets | $165,449,000 | 3,625 |
| Average earning assets | $156,788,600 | 3,535 |
| Average equity | $14,598,600 | 4,221 |
| Average total loans | $138,351,200 | 3,123 |