Home > Minnwest Bank South > Performance and Condition Ratios
Minnwest Bank South, 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 | 3.8195% | 4,402 |
| Cost of funding earning assets | 0.3176% | 4,893 |
| Net interest margin | 3.5019% | 3,681 |
| Noninterest income to average assets | 0.3134% | 4,859 |
| Noninterest expense to average assets | 2.3056% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8148% | 3,084 |
| Return on assets (ROA) | 0.8148% | 3,155 |
| Pretax return on assets | 1.2952% | 2,111 |
| Return on Equity (ROE) | 7.7098% | 3,087 |
| Retained earnings to average equity (ytd only) | 2.3183% | 4,675 |
| Net charge-offs to loans | 0.3217% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.3281% | 2,387 |
| Efficiency ratio | 64.0295% | 4,851 |
| Assets per employee ($millions) | 4.9822% | 2,272 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 2,917 |
| Loan loss allowance to noncurrent loans | 78,766.6667% | 13 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 2,104 |
| Noncurrent loans to loans | 0.0020% | 6,195 |
| Net loans and leases to total assets | 73.4257% | 1,366 |
| Net loans and leases to deposits | 87.1596% | 1,452 |
| Net loans and leases to core deposits | 88.4764% | 2,043 |
| Total domestic deposits to total assets | 84.2428% | 4,191 |
| Equity capital to assets | 10.9189% | 2,797 |
| Core capital (leverage) ratio | 10.5516% | 2,868 |
| Tier 1 risk-based capital ratio | 13.6915% | 4,545 |
| Total risk-based capital ratio | 14.9448% | 4,500 |
| Memoranda: | ||
| Average total assets | $210,616,500 | 2,924 |
| Average earning assets | $197,724,000 | 2,875 |
| Average equity | $22,257,500 | 2,921 |
| Average total loans | $159,159,500 | 2,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 4,622 |
| Cost of funding earning assets | 0.3776% | 4,864 |
| Net interest margin | 3.4770% | 3,997 |
| Noninterest income to average assets | 0.3715% | 4,658 |
| Noninterest expense to average assets | 2.4419% | 4,952 |
| Loan and lease loss provision to assets | -0.2391% | 6,632 |
| Net operating income to assets | 0.8813% | 2,869 |
| Return on assets (ROA) | 0.8813% | 2,958 |
| Pretax return on assets | 1.4050% | 1,761 |
| Return on Equity (ROE) | 8.7578% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.9893% | 1,979 |
| Net charge-offs to loans | -0.4934% | 6,723 |
| Credit loss provision to net charge-offs | 68.3931% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6834% | 4,258 |
| Assets per employee ($millions) | 5.8639% | 1,362 |
| Cash dividends to net income (ytd only)* | 31.6122% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,187 |
| Loan loss allowance to noncurrent loans | 49,820.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 1.5841% | 2,349 |
| Noncurrent loans to loans | 0.0030% | 6,304 |
| Net loans and leases to total assets | 75.3484% | 1,176 |
| Net loans and leases to deposits | 89.0530% | 1,337 |
| Net loans and leases to core deposits | 90.4698% | 1,966 |
| Total domestic deposits to total assets | 84.6108% | 3,921 |
| Equity capital to assets | 10.2372% | 3,459 |
| Core capital (leverage) ratio | 10.5126% | 2,904 |
| Tier 1 risk-based capital ratio | 12.5001% | 5,291 |
| Total risk-based capital ratio | 13.7525% | 5,244 |
| Memoranda: | ||
| Average total assets | $215,367,400 | 2,855 |
| Average earning assets | $200,457,400 | 2,821 |
| Average equity | $21,672,000 | 2,961 |
| Average total loans | $152,614,600 | 2,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,748 |
| Cost of funding earning assets | 0.3948% | 4,862 |
| Net interest margin | 3.4305% | 4,163 |
| Noninterest income to average assets | 0.3982% | 4,551 |
| Noninterest expense to average assets | 2.3643% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7747% | 3,488 |
| Return on assets (ROA) | 0.7747% | 3,615 |
| Pretax return on assets | 1.2243% | 2,603 |
| Return on Equity (ROE) | 7.7321% | 3,273 |
| Retained earnings to average equity (ytd only) | 5.8749% | 2,489 |
| Net charge-offs to loans | -0.5797% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8832% | 4,508 |
| Assets per employee ($millions) | 5.4287% | 1,697 |
| Cash dividends to net income (ytd only)* | 24.0192% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 2,058 |
| Loan loss allowance to noncurrent loans | 58,040.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 2,398 |
| Noncurrent loans to loans | 0.0032% | 6,384 |
| Net loans and leases to total assets | 75.3827% | 1,084 |
| Net loans and leases to deposits | 89.8990% | 1,179 |
| Net loans and leases to core deposits | 91.4547% | 1,824 |
| Total domestic deposits to total assets | 83.8527% | 4,254 |
| Equity capital to assets | 10.9049% | 2,855 |
| Core capital (leverage) ratio | 10.4757% | 3,030 |
| Tier 1 risk-based capital ratio | 13.1652% | 5,005 |
| Total risk-based capital ratio | 14.4219% | 4,949 |
| Memoranda: | ||
| Average total assets | $214,968,250 | 2,885 |
| Average earning assets | $199,928,000 | 2,853 |
| Average equity | $21,537,250 | 3,014 |
| Average total loans | $149,275,750 | 2,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 5,016 |
| Cost of funding earning assets | 0.4131% | 4,827 |
| Net interest margin | 3.3292% | 4,452 |
| Noninterest income to average assets | 0.3869% | 4,620 |
| Noninterest expense to average assets | 2.2889% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7529% | 3,552 |
| Return on assets (ROA) | 0.7529% | 3,704 |
| Pretax return on assets | 1.1872% | 2,732 |
| Return on Equity (ROE) | 7.7236% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,587 |
| Net charge-offs to loans | -0.4485% | 6,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8460% | 4,580 |
| Assets per employee ($millions) | 5.5085% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 2,628 |
| Loan loss allowance to noncurrent loans | 9,570.3704% | 82 |
| Noncurrent assets plus other real estate owned to assets | 2.9841% | 1,366 |
| Noncurrent loans to loans | 0.0182% | 6,364 |
| Net loans and leases to total assets | 71.6391% | 1,630 |
| Net loans and leases to deposits | 85.1879% | 1,658 |
| Net loans and leases to core deposits | 86.8917% | 2,242 |
| Total domestic deposits to total assets | 84.0955% | 4,276 |
| Equity capital to assets | 10.6856% | 3,076 |
| Core capital (leverage) ratio | 10.1489% | 3,295 |
| Tier 1 risk-based capital ratio | 13.3851% | 4,851 |
| Total risk-based capital ratio | 14.6403% | 4,798 |
| Memoranda: | ||
| Average total assets | $219,670,000 | 2,843 |
| Average earning assets | $203,833,670 | 2,826 |
| Average equity | $21,415,000 | 3,044 |
| Average total loans | $147,595,000 | 2,610 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 5,363 |
| Cost of funding earning assets | 0.4465% | 4,633 |
| Net interest margin | 3.1839% | 4,980 |
| Noninterest income to average assets | 0.3128% | 5,188 |
| Noninterest expense to average assets | 1.9051% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8629% | 2,848 |
| Return on assets (ROA) | 0.8629% | 2,984 |
| Pretax return on assets | 1.3656% | 1,991 |
| Return on Equity (ROE) | 9.2498% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.2498% | 1,309 |
| Net charge-offs to loans | -0.4677% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2483% | 5,818 |
| Assets per employee ($millions) | 6.1800% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 2,986 |
| Loan loss allowance to noncurrent loans | 1,684.0278% | 304 |
| Noncurrent assets plus other real estate owned to assets | 2.7648% | 1,640 |
| Noncurrent loans to loans | 0.1013% | 6,178 |
| Net loans and leases to total assets | 62.8271% | 2,916 |
| Net loans and leases to deposits | 74.6656% | 2,824 |
| Net loans and leases to core deposits | 77.3047% | 3,157 |
| Total domestic deposits to total assets | 84.1446% | 4,413 |
| Equity capital to assets | 9.6589% | 4,630 |
| Core capital (leverage) ratio | 9.3471% | 4,330 |
| Tier 1 risk-based capital ratio | 13.7083% | 4,715 |
| Total risk-based capital ratio | 14.9629% | 4,675 |
| Memoranda: | ||
| Average total assets | $227,597,000 | 2,805 |
| Average earning assets | $211,440,500 | 2,755 |
| Average equity | $21,233,000 | 3,106 |
| Average total loans | $147,094,500 | 2,629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 6,130 |
| Cost of funding earning assets | 0.7140% | 3,372 |
| Net interest margin | 2.9387% | 6,156 |
| Noninterest income to average assets | 0.1356% | 6,363 |
| Noninterest expense to average assets | 2.2983% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3693% | 5,222 |
| Return on assets (ROA) | 0.3693% | 5,454 |
| Pretax return on assets | 0.5457% | 5,147 |
| Return on Equity (ROE) | 4.0366% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.0366% | 3,374 |
| Net charge-offs to loans | -0.1922% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8122% | 2,035 |
| Assets per employee ($millions) | 6.4643% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 3,817 |
| Loan loss allowance to noncurrent loans | 856.6540% | 523 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 1,790 |
| Noncurrent loans to loans | 0.1730% | 6,045 |
| Net loans and leases to total assets | 64.3422% | 2,836 |
| Net loans and leases to deposits | 75.6118% | 2,867 |
| Net loans and leases to core deposits | 78.1334% | 3,241 |
| Total domestic deposits to total assets | 85.0955% | 3,819 |
| Equity capital to assets | 9.0140% | 5,505 |
| Core capital (leverage) ratio | 8.9972% | 4,903 |
| Tier 1 risk-based capital ratio | 12.4472% | 5,510 |
| Total risk-based capital ratio | 13.6987% | 5,463 |
| Memoranda: | ||
| Average total assets | $223,380,600 | 2,805 |
| Average earning assets | $205,873,000 | 2,791 |
| Average equity | $20,437,800 | 3,147 |
| Average total loans | $134,261,400 | 2,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 6,305 |
| Cost of funding earning assets | 0.7809% | 3,102 |
| Net interest margin | 2.8748% | 6,401 |
| Noninterest income to average assets | 0.1176% | 6,551 |
| Noninterest expense to average assets | 2.2933% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3251% | 5,524 |
| Return on assets (ROA) | 0.3251% | 5,728 |
| Pretax return on assets | 0.4735% | 5,533 |
| Return on Equity (ROE) | 3.5396% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.5396% | 4,385 |
| Net charge-offs to loans | -0.2875% | 7,043 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8864% | 1,715 |
| Assets per employee ($millions) | 5.5877% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,189 |
| Loan loss allowance to noncurrent loans | 98.4848% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 3.9222% | 1,238 |
| Noncurrent loans to loans | 1.7150% | 3,213 |
| Net loans and leases to total assets | 62.3654% | 3,323 |
| Net loans and leases to deposits | 74.4009% | 3,226 |
| Net loans and leases to core deposits | 77.3406% | 3,565 |
| Total domestic deposits to total assets | 83.8234% | 4,312 |
| Equity capital to assets | 9.7800% | 4,812 |
| Core capital (leverage) ratio | 9.0601% | 4,975 |
| Tier 1 risk-based capital ratio | 13.0364% | 5,212 |
| Total risk-based capital ratio | 14.2901% | 5,167 |
| Memoranda: | ||
| Average total assets | $221,047,000 | 2,850 |
| Average earning assets | $203,696,250 | 2,834 |
| Average equity | $20,303,000 | 3,201 |
| Average total loans | $129,830,000 | 2,919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 6,478 |
| Cost of funding earning assets | 0.8497% | 2,795 |
| Net interest margin | 2.7530% | 6,644 |
| Noninterest income to average assets | 0.0536% | 6,844 |
| Noninterest expense to average assets | 2.2862% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2188% | 5,861 |
| Return on assets (ROA) | 0.2188% | 6,048 |
| Pretax return on assets | 0.2992% | 5,967 |
| Return on Equity (ROE) | 2.4319% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.4319% | 4,972 |
| Net charge-offs to loans | -0.4212% | 7,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4283% | 1,197 |
| Assets per employee ($millions) | 5.5986% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 3,073 |
| Loan loss allowance to noncurrent loans | 84.7997% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 4.8960% | 984 |
| Noncurrent loans to loans | 2.0518% | 2,885 |
| Net loans and leases to total assets | 60.1240% | 3,795 |
| Net loans and leases to deposits | 71.6887% | 3,656 |
| Net loans and leases to core deposits | 74.5121% | 3,953 |
| Total domestic deposits to total assets | 83.8682% | 4,364 |
| Equity capital to assets | 9.6105% | 4,902 |
| Core capital (leverage) ratio | 8.6125% | 5,496 |
| Tier 1 risk-based capital ratio | 13.1058% | 5,112 |
| Total risk-based capital ratio | 14.3601% | 5,083 |
| Memoranda: | ||
| Average total assets | $223,952,330 | 2,829 |
| Average earning assets | $205,957,670 | 2,809 |
| Average equity | $20,148,670 | 3,201 |
| Average total loans | $128,208,000 | 2,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 6,707 |
| Cost of funding earning assets | 0.9140% | 2,578 |
| Net interest margin | 2.5805% | 6,887 |
| Noninterest income to average assets | -0.1638% | 7,187 |
| Noninterest expense to average assets | 2.0980% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1011% | 6,236 |
| Return on assets (ROA) | 0.1011% | 6,364 |
| Pretax return on assets | 0.1046% | 6,377 |
| Return on Equity (ROE) | 1.1600% | 6,314 |
| Retained earnings to average equity (ytd only) | 1.1600% | 5,621 |
| Net charge-offs to loans | -0.0252% | 6,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2532% | 756 |
| Assets per employee ($millions) | 5.9631% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,931 |
| Loan loss allowance to noncurrent loans | 55.5617% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 4.9564% | 1,057 |
| Noncurrent loans to loans | 2.7950% | 2,318 |
| Net loans and leases to total assets | 56.0369% | 4,379 |
| Net loans and leases to deposits | 65.9225% | 4,393 |
| Net loans and leases to core deposits | 68.7818% | 4,591 |
| Total domestic deposits to total assets | 85.0042% | 4,034 |
| Equity capital to assets | 8.8465% | 5,701 |
| Core capital (leverage) ratio | 8.1366% | 6,108 |
| Tier 1 risk-based capital ratio | 13.0602% | 5,164 |
| Total risk-based capital ratio | 14.3126% | 5,130 |
| Memoranda: | ||
| Average total assets | $229,555,000 | 2,769 |
| Average earning assets | $210,501,500 | 2,767 |
| Average equity | $20,000,000 | 3,227 |
| Average total loans | $127,223,500 | 2,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 6,731 |
| Cost of funding earning assets | 1.2444% | 1,766 |
| Net interest margin | 2.5570% | 7,024 |
| Noninterest income to average assets | -0.1574% | 7,140 |
| Noninterest expense to average assets | 2.3567% | 5,893 |
| Loan and lease loss provision to assets | 0.1326% | 4,952 |
| Net operating income to assets | -0.1464% | 6,200 |
| Return on assets (ROA) | -0.1464% | 6,277 |
| Pretax return on assets | -0.3135% | 6,361 |
| Return on Equity (ROE) | -1.8106% | 6,321 |
| Retained earnings to average equity (ytd only) | -1.8106% | 6,135 |
| Net charge-offs to loans | 0.6608% | 2,504 |
| Credit loss provision to net charge-offs | 36.6748% | 5,684 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 6,083 |
| Efficiency ratio | 108.3113% | 467 |
| Assets per employee ($millions) | 6.1188% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,627 |
| Loan loss allowance to noncurrent loans | 54.4041% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 5.0027% | 1,070 |
| Noncurrent loans to loans | 2.9227% | 2,228 |
| Net loans and leases to total assets | 53.1028% | 5,156 |
| Net loans and leases to deposits | 62.2133% | 5,213 |
| Net loans and leases to core deposits | 64.8261% | 5,384 |
| Total domestic deposits to total assets | 85.3561% | 3,667 |
| Equity capital to assets | 8.5819% | 6,039 |
| Core capital (leverage) ratio | 8.0981% | 6,144 |
| Tier 1 risk-based capital ratio | 13.0584% | 5,018 |
| Total risk-based capital ratio | 14.3103% | 4,991 |
| Memoranda: | ||
| Average total assets | $226,166,800 | 2,771 |
| Average earning assets | $206,372,200 | 2,775 |
| Average equity | $18,280,800 | 3,389 |
| Average total loans | $123,789,000 | 3,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 6,759 |
| Cost of funding earning assets | 1.3068% | 1,662 |
| Net interest margin | 2.5689% | 7,097 |
| Noninterest income to average assets | -0.2084% | 7,271 |
| Noninterest expense to average assets | 2.3468% | 5,910 |
| Loan and lease loss provision to assets | 0.1781% | 4,251 |
| Net operating income to assets | -0.1882% | 6,373 |
| Return on assets (ROA) | -0.1882% | 6,453 |
| Pretax return on assets | -0.3829% | 6,553 |
| Return on Equity (ROE) | -2.3662% | 6,511 |
| Retained earnings to average equity (ytd only) | -2.3662% | 6,340 |
| Net charge-offs to loans | 0.7219% | 2,108 |
| Credit loss provision to net charge-offs | 44.9102% | 5,145 |
| Earnings coverage of net charge-offs (x) | -0.5165% | 5,834 |
| Efficiency ratio | 109.5621% | 435 |
| Assets per employee ($millions) | 5.5474% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 2,736 |
| Loan loss allowance to noncurrent loans | 54.2351% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 5.6321% | 976 |
| Noncurrent loans to loans | 3.4366% | 1,998 |
| Net loans and leases to total assets | 52.2027% | 5,421 |
| Net loans and leases to deposits | 62.1331% | 5,388 |
| Net loans and leases to core deposits | 65.2761% | 5,496 |
| Total domestic deposits to total assets | 84.0175% | 4,223 |
| Equity capital to assets | 9.1482% | 5,587 |
| Core capital (leverage) ratio | 8.3298% | 5,936 |
| Tier 1 risk-based capital ratio | 14.2171% | 4,185 |
| Total risk-based capital ratio | 15.4726% | 4,148 |
| Memoranda: | ||
| Average total assets | $224,580,250 | 2,794 |
| Average earning assets | $205,479,500 | 2,792 |
| Average equity | $17,862,500 | 3,445 |
| Average total loans | $123,369,750 | 3,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 6,819 |
| Cost of funding earning assets | 1.3511% | 1,645 |
| Net interest margin | 2.5382% | 7,163 |
| Noninterest income to average assets | -0.4038% | 7,411 |
| Noninterest expense to average assets | 2.2681% | 6,203 |
| Loan and lease loss provision to assets | 0.2639% | 3,288 |
| Net operating income to assets | -0.3308% | 6,569 |
| Return on assets (ROA) | -0.3308% | 6,597 |
| Pretax return on assets | -0.6203% | 6,717 |
| Return on Equity (ROE) | -4.3672% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.3672% | 6,509 |
| Net charge-offs to loans | 1.0592% | 1,483 |
| Credit loss provision to net charge-offs | 44.9102% | 4,710 |
| Earnings coverage of net charge-offs (x) | -0.6063% | 5,555 |
| Efficiency ratio | 118.6378% | 355 |
| Assets per employee ($millions) | 5.7360% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,951 |
| Loan loss allowance to noncurrent loans | 53.2258% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 6.4335% | 832 |
| Noncurrent loans to loans | 3.4039% | 2,087 |
| Net loans and leases to total assets | 53.3319% | 5,383 |
| Net loans and leases to deposits | 62.9434% | 5,398 |
| Net loans and leases to core deposits | 66.3423% | 5,472 |
| Total domestic deposits to total assets | 84.7299% | 4,002 |
| Equity capital to assets | 8.3783% | 6,327 |
| Core capital (leverage) ratio | 7.3878% | 6,818 |
| Tier 1 risk-based capital ratio | 12.3101% | 5,515 |
| Total risk-based capital ratio | 13.5645% | 5,484 |
| Memoranda: | ||
| Average total assets | $227,324,000 | 2,779 |
| Average earning assets | $207,387,670 | 2,786 |
| Average equity | $17,219,330 | 3,539 |
| Average total loans | $126,131,330 | 3,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 6,921 |
| Cost of funding earning assets | 1.3787% | 1,722 |
| Net interest margin | 2.4453% | 7,232 |
| Noninterest income to average assets | -0.5914% | 7,508 |
| Noninterest expense to average assets | 2.1396% | 6,551 |
| Loan and lease loss provision to assets | 0.2586% | 3,071 |
| Net operating income to assets | -0.4155% | 6,747 |
| Return on assets (ROA) | -0.4155% | 6,757 |
| Pretax return on assets | -0.7603% | 6,894 |
| Return on Equity (ROE) | -5.7731% | 6,850 |
| Retained earnings to average equity (ytd only) | -5.7731% | 6,576 |
| Net charge-offs to loans | 0.9077% | 1,466 |
| Credit loss provision to net charge-offs | 50.8475% | 3,730 |
| Earnings coverage of net charge-offs (x) | -0.9864% | 4,892 |
| Efficiency ratio | 130.6316% | 258 |
| Assets per employee ($millions) | 6.1173% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,743 |
| Loan loss allowance to noncurrent loans | 52.2622% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 6.6507% | 824 |
| Noncurrent loans to loans | 3.6069% | 2,058 |
| Net loans and leases to total assets | 53.0210% | 5,445 |
| Net loans and leases to deposits | 61.4822% | 5,571 |
| Net loans and leases to core deposits | 66.2907% | 5,478 |
| Total domestic deposits to total assets | 86.2379% | 3,373 |
| Equity capital to assets | 7.1867% | 7,021 |
| Core capital (leverage) ratio | 6.4965% | 7,170 |
| Tier 1 risk-based capital ratio | 10.5620% | 6,777 |
| Total risk-based capital ratio | 11.8171% | 6,761 |
| Memoranda: | ||
| Average total assets | $232,001,500 | 2,756 |
| Average earning assets | $211,504,000 | 2,759 |
| Average equity | $16,698,000 | 3,609 |
| Average total loans | $130,001,000 | 3,064 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 5,640 |
| Cost of funding earning assets | 1.6961% | 1,621 |
| Net interest margin | 3.0472% | 6,644 |
| Noninterest income to average assets | -0.1172% | 7,407 |
| Noninterest expense to average assets | 2.3289% | 6,275 |
| Loan and lease loss provision to assets | 1.2980% | 1,185 |
| Net operating income to assets | -0.5636% | 6,428 |
| Return on assets (ROA) | -0.5636% | 6,455 |
| Pretax return on assets | -1.0118% | 6,652 |
| Return on Equity (ROE) | -7.3657% | 6,577 |
| Retained earnings to average equity (ytd only) | -7.3657% | 6,485 |
| Net charge-offs to loans | 1.6953% | 1,279 |
| Credit loss provision to net charge-offs | 118.3731% | 3,595 |
| Earnings coverage of net charge-offs (x) | 0.2610% | 5,849 |
| Efficiency ratio | 89.0548% | 1,394 |
| Assets per employee ($millions) | 5.7887% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,640 |
| Loan loss allowance to noncurrent loans | 79.1496% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 6.2791% | 916 |
| Noncurrent loans to loans | 2.3627% | 3,159 |
| Net loans and leases to total assets | 56.9520% | 5,195 |
| Net loans and leases to deposits | 66.0344% | 5,391 |
| Net loans and leases to core deposits | 71.3150% | 5,293 |
| Total domestic deposits to total assets | 86.2459% | 3,235 |
| Equity capital to assets | 7.2081% | 7,034 |
| Core capital (leverage) ratio | 6.8609% | 7,083 |
| Tier 1 risk-based capital ratio | 10.2556% | 6,844 |
| Total risk-based capital ratio | 11.5108% | 6,820 |
| Memoranda: | ||
| Average total assets | $225,341,400 | 2,808 |
| Average earning assets | $202,054,800 | 2,849 |
| Average equity | $17,242,000 | 3,544 |
| Average total loans | $145,758,200 | 2,844 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 5,199 |
| Cost of funding earning assets | 1.7504% | 1,624 |
| Net interest margin | 3.1649% | 6,442 |
| Noninterest income to average assets | -0.0965% | 7,535 |
| Noninterest expense to average assets | 2.3057% | 6,309 |
| Loan and lease loss provision to assets | 0.9384% | 1,605 |
| Net operating income to assets | -0.2633% | 6,392 |
| Return on assets (ROA) | -0.2633% | 6,443 |
| Pretax return on assets | -0.5106% | 6,563 |
| Return on Equity (ROE) | -3.3908% | 6,526 |
| Retained earnings to average equity (ytd only) | -3.3908% | 6,394 |
| Net charge-offs to loans | 1.4733% | 1,370 |
| Credit loss provision to net charge-offs | 95.9196% | 4,517 |
| Earnings coverage of net charge-offs (x) | 0.4373% | 5,588 |
| Efficiency ratio | 84.3505% | 1,795 |
| Assets per employee ($millions) | 5.5616% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,163 |
| Loan loss allowance to noncurrent loans | 176.5957% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 5.9434% | 1,008 |
| Noncurrent loans to loans | 0.8261% | 5,565 |
| Net loans and leases to total assets | 60.4844% | 4,820 |
| Net loans and leases to deposits | 71.0088% | 4,994 |
| Net loans and leases to core deposits | 77.1931% | 4,899 |
| Total domestic deposits to total assets | 85.1787% | 3,527 |
| Equity capital to assets | 7.8103% | 6,925 |
| Core capital (leverage) ratio | 7.3196% | 6,991 |
| Tier 1 risk-based capital ratio | 10.5113% | 6,768 |
| Total risk-based capital ratio | 11.7618% | 6,759 |
| Memoranda: | ||
| Average total assets | $223,790,250 | 2,862 |
| Average earning assets | $200,105,000 | 2,919 |
| Average equity | $17,380,000 | 3,579 |
| Average total loans | $148,602,000 | 2,833 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 4,949 |
| Cost of funding earning assets | 1.7727% | 1,753 |
| Net interest margin | 3.2249% | 6,241 |
| Noninterest income to average assets | -0.1133% | 7,636 |
| Noninterest expense to average assets | 2.3779% | 6,124 |
| Loan and lease loss provision to assets | 1.3156% | 1,038 |
| Net operating income to assets | -0.5173% | 6,667 |
| Return on assets (ROA) | -0.5173% | 6,704 |
| Pretax return on assets | -0.9347% | 6,858 |
| Return on Equity (ROE) | -6.6737% | 6,813 |
| Retained earnings to average equity (ytd only) | -6.6737% | 6,710 |
| Net charge-offs to loans | 2.0391% | 893 |
| Credit loss provision to net charge-offs | 94.7943% | 4,268 |
| Earnings coverage of net charge-offs (x) | 0.2744% | 5,453 |
| Efficiency ratio | 86.1946% | 1,689 |
| Assets per employee ($millions) | 5.5231% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,495 |
| Loan loss allowance to noncurrent loans | 102.0640% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 6.4982% | 861 |
| Noncurrent loans to loans | 1.3575% | 4,676 |
| Net loans and leases to total assets | 63.7276% | 4,313 |
| Net loans and leases to deposits | 74.7458% | 4,557 |
| Net loans and leases to core deposits | 80.7156% | 4,591 |
| Total domestic deposits to total assets | 85.2591% | 3,485 |
| Equity capital to assets | 7.6909% | 6,997 |
| Core capital (leverage) ratio | 7.3076% | 6,991 |
| Tier 1 risk-based capital ratio | 10.1012% | 6,973 |
| Total risk-based capital ratio | 11.3410% | 6,951 |
| Memoranda: | ||
| Average total assets | $224,232,330 | 2,879 |
| Average earning assets | $199,698,000 | 2,956 |
| Average equity | $17,381,670 | 3,571 |
| Average total loans | $152,620,000 | 2,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 4,694 |
| Cost of funding earning assets | 1.7806% | 1,966 |
| Net interest margin | 3.2858% | 6,022 |
| Noninterest income to average assets | 0.2851% | 5,859 |
| Noninterest expense to average assets | 2.2755% | 6,464 |
| Loan and lease loss provision to assets | 0.9297% | 1,360 |
| Net operating income to assets | 0.0372% | 6,195 |
| Return on assets (ROA) | 0.0372% | 6,312 |
| Pretax return on assets | -0.0053% | 6,364 |
| Return on Equity (ROE) | 0.4779% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.4779% | 5,642 |
| Net charge-offs to loans | 2.2089% | 773 |
| Credit loss provision to net charge-offs | 60.3448% | 4,289 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,487 |
| Efficiency ratio | 71.1123% | 4,100 |
| Assets per employee ($millions) | 5.5430% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,939 |
| Loan loss allowance to noncurrent loans | 63.3876% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 7.0535% | 761 |
| Noncurrent loans to loans | 1.7582% | 4,110 |
| Net loans and leases to total assets | 68.5919% | 3,255 |
| Net loans and leases to deposits | 80.7534% | 3,504 |
| Net loans and leases to core deposits | 85.9794% | 3,899 |
| Total domestic deposits to total assets | 84.9400% | 3,704 |
| Equity capital to assets | 7.9343% | 6,724 |
| Core capital (leverage) ratio | 7.5009% | 6,850 |
| Tier 1 risk-based capital ratio | 9.8372% | 7,125 |
| Total risk-based capital ratio | 10.8458% | 7,251 |
| Memoranda: | ||
| Average total assets | $225,887,000 | 2,923 |
| Average earning assets | $200,377,500 | 2,993 |
| Average equity | $17,577,000 | 3,555 |
| Average total loans | $157,546,500 | 2,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 4,151 |
| Cost of funding earning assets | 2.0494% | 2,728 |
| Net interest margin | 3.4485% | 5,177 |
| Noninterest income to average assets | -0.0083% | 7,724 |
| Noninterest expense to average assets | 2.3278% | 6,664 |
| Loan and lease loss provision to assets | 2.0543% | 1,038 |
| Net operating income to assets | -0.6826% | 6,347 |
| Return on assets (ROA) | -0.6826% | 6,344 |
| Pretax return on assets | -1.2089% | 6,545 |
| Return on Equity (ROE) | -8.1286% | 6,478 |
| Retained earnings to average equity (ytd only) | -13.3393% | 6,777 |
| Net charge-offs to loans | 3.0440% | 689 |
| Credit loss provision to net charge-offs | 83.5261% | 6,208 |
| Earnings coverage of net charge-offs (x) | 0.3437% | 5,773 |
| Efficiency ratio | 72.7248% | 4,148 |
| Assets per employee ($millions) | 5.8988% | 1,322 |
| Cash dividends to net income (ytd only)* | -64.1026% | 7,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 4,893 |
| Loan loss allowance to noncurrent loans | 39.8105% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 7.4313% | 654 |
| Noncurrent loans to loans | 3.2065% | 2,381 |
| Net loans and leases to total assets | 69.2177% | 3,430 |
| Net loans and leases to deposits | 80.8692% | 3,828 |
| Net loans and leases to core deposits | 91.1478% | 4,996 |
| Total domestic deposits to total assets | 85.5921% | 3,233 |
| Equity capital to assets | 7.6339% | 6,912 |
| Core capital (leverage) ratio | 7.2932% | 6,992 |
| Tier 1 risk-based capital ratio | 9.4899% | 7,238 |
| Total risk-based capital ratio | 10.6602% | 7,255 |
| Memoranda: | ||
| Average total assets | $228,546,800 | 2,839 |
| Average earning assets | $210,844,600 | 2,829 |
| Average equity | $19,191,400 | 3,312 |
| Average total loans | $184,655,600 | 2,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 4,096 |
| Cost of funding earning assets | 2.0986% | 2,899 |
| Net interest margin | 3.4613% | 5,022 |
| Noninterest income to average assets | 0.0637% | 7,593 |
| Noninterest expense to average assets | 2.1124% | 7,170 |
| Loan and lease loss provision to assets | 0.7655% | 2,457 |
| Net operating income to assets | 0.2881% | 4,832 |
| Return on assets (ROA) | 0.2881% | 4,940 |
| Pretax return on assets | 0.4155% | 4,756 |
| Return on Equity (ROE) | 3.3539% | 4,642 |
| Retained earnings to average equity (ytd only) | -3.4491% | 6,020 |
| Net charge-offs to loans | 1.3634% | 1,508 |
| Credit loss provision to net charge-offs | 67.2485% | 6,036 |
| Earnings coverage of net charge-offs (x) | 1.0375% | 5,016 |
| Efficiency ratio | 63.3428% | 5,869 |
| Assets per employee ($millions) | 5.7457% | 1,387 |
| Cash dividends to net income (ytd only)* | 202.8388% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,764 |
| Loan loss allowance to noncurrent loans | 24.3718% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 6.5936% | 756 |
| Noncurrent loans to loans | 5.1667% | 1,248 |
| Net loans and leases to total assets | 80.0765% | 1,153 |
| Net loans and leases to deposits | 94.8181% | 1,746 |
| Net loans and leases to core deposits | 107.0990% | 3,580 |
| Total domestic deposits to total assets | 84.4528% | 3,504 |
| Equity capital to assets | 8.5485% | 6,186 |
| Core capital (leverage) ratio | 8.1339% | 6,129 |
| Tier 1 risk-based capital ratio | 9.5138% | 7,362 |
| Total risk-based capital ratio | 10.7047% | 7,369 |
| Memoranda: | ||
| Average total assets | $228,170,000 | 2,863 |
| Average earning assets | $212,903,500 | 2,816 |
| Average equity | $19,598,750 | 3,302 |
| Average total loans | $190,495,250 | 2,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 3,820 |
| Cost of funding earning assets | 2.1155% | 3,199 |
| Net interest margin | 3.5337% | 4,642 |
| Noninterest income to average assets | 0.0896% | 7,528 |
| Noninterest expense to average assets | 2.1114% | 7,252 |
| Loan and lease loss provision to assets | 1.0324% | 1,642 |
| Net operating income to assets | 0.1836% | 5,321 |
| Return on assets (ROA) | 0.1836% | 5,405 |
| Pretax return on assets | 0.2408% | 5,350 |
| Return on Equity (ROE) | 2.1345% | 5,243 |
| Retained earnings to average equity (ytd only) | -8.0786% | 6,675 |
| Net charge-offs to loans | 1.9712% | 939 |
| Credit loss provision to net charge-offs | 62.1364% | 5,559 |
| Earnings coverage of net charge-offs (x) | 0.7663% | 4,965 |
| Efficiency ratio | 61.2150% | 6,364 |
| Assets per employee ($millions) | 5.5041% | 1,575 |
| Cash dividends to net income (ytd only)* | 478.4689% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 4,946 |
| Loan loss allowance to noncurrent loans | 25.6500% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 6.7639% | 653 |
| Noncurrent loans to loans | 4.6766% | 1,355 |
| Net loans and leases to total assets | 82.8145% | 809 |
| Net loans and leases to deposits | 98.5301% | 1,452 |
| Net loans and leases to core deposits | 111.3239% | 3,223 |
| Total domestic deposits to total assets | 84.0499% | 3,739 |
| Equity capital to assets | 8.5493% | 5,976 |
| Core capital (leverage) ratio | 8.2342% | 5,912 |
| Tier 1 risk-based capital ratio | 9.2966% | 7,541 |
| Total risk-based capital ratio | 10.4390% | 7,600 |
| Memoranda: | ||
| Average total assets | $227,617,000 | 2,888 |
| Average earning assets | $212,242,330 | 2,838 |
| Average equity | $19,582,670 | 3,310 |
| Average total loans | $191,865,000 | 2,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 4,147 |
| Cost of funding earning assets | 2.1507% | 3,409 |
| Net interest margin | 3.4827% | 4,796 |
| Noninterest income to average assets | 0.2432% | 6,513 |
| Noninterest expense to average assets | 1.9983% | 7,355 |
| Loan and lease loss provision to assets | 0.2362% | 4,091 |
| Net operating income to assets | 0.7927% | 3,159 |
| Return on assets (ROA) | 0.7927% | 3,323 |
| Pretax return on assets | 1.2616% | 2,402 |
| Return on Equity (ROE) | 9.1851% | 2,641 |
| Retained earnings to average equity (ytd only) | -11.0911% | 7,213 |
| Net charge-offs to loans | 0.1946% | 3,471 |
| Credit loss provision to net charge-offs | 143.6170% | 2,860 |
| Earnings coverage of net charge-offs (x) | 9.1064% | 2,106 |
| Efficiency ratio | 55.4555% | 7,040 |
| Assets per employee ($millions) | 5.5910% | 1,481 |
| Cash dividends to net income (ytd only)* | 220.7506% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 2,668 |
| Loan loss allowance to noncurrent loans | 37.7778% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 5.7861% | 710 |
| Noncurrent loans to loans | 4.1458% | 1,439 |
| Net loans and leases to total assets | 85.0401% | 547 |
| Net loans and leases to deposits | 99.5764% | 1,467 |
| Net loans and leases to core deposits | 111.4293% | 3,269 |
| Total domestic deposits to total assets | 85.4019% | 3,015 |
| Equity capital to assets | 8.7114% | 5,750 |
| Core capital (leverage) ratio | 8.1251% | 6,243 |
| Tier 1 risk-based capital ratio | 9.3955% | 7,512 |
| Total risk-based capital ratio | 10.6486% | 7,465 |
| Memoranda: | ||
| Average total assets | $228,592,000 | 2,887 |
| Average earning assets | $213,512,000 | 2,843 |
| Average equity | $19,727,500 | 3,298 |
| Average total loans | $193,220,500 | 2,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3807% | 3,520 |
| Cost of funding earning assets | 2.5967% | 3,705 |
| Net interest margin | 3.7840% | 4,086 |
| Noninterest income to average assets | 0.2713% | 6,512 |
| Noninterest expense to average assets | 2.1639% | 7,081 |
| Loan and lease loss provision to assets | 1.2617% | 1,133 |
| Net operating income to assets | 0.2644% | 5,664 |
| Return on assets (ROA) | 0.2644% | 5,487 |
| Pretax return on assets | 0.3950% | 5,269 |
| Return on Equity (ROE) | 2.8161% | 5,302 |
| Retained earnings to average equity (ytd only) | -5.9994% | 6,664 |
| Net charge-offs to loans | 0.4126% | 2,750 |
| Credit loss provision to net charge-offs | 361.5283% | 1,226 |
| Earnings coverage of net charge-offs (x) | 4.7470% | 3,875 |
| Efficiency ratio | 55.0006% | 7,149 |
| Assets per employee ($millions) | 5.4313% | 1,510 |
| Cash dividends to net income (ytd only)* | 313.0435% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,472 |
| Loan loss allowance to noncurrent loans | 40.6233% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 4.9840% | 701 |
| Noncurrent loans to loans | 3.8027% | 1,308 |
| Net loans and leases to total assets | 81.4606% | 1,327 |
| Net loans and leases to deposits | 95.6438% | 2,500 |
| Net loans and leases to core deposits | 106.0829% | 4,192 |
| Total domestic deposits to total assets | 85.1708% | 2,768 |
| Equity capital to assets | 8.5521% | 6,011 |
| Core capital (leverage) ratio | 8.2816% | 5,991 |
| Tier 1 risk-based capital ratio | 9.6088% | 7,198 |
| Total risk-based capital ratio | 10.8618% | 7,082 |
| Memoranda: | ||
| Average total assets | $217,480,800 | 2,907 |
| Average earning assets | $203,991,200 | 2,856 |
| Average equity | $20,418,600 | 3,164 |
| Average total loans | $183,963,800 | 2,462 |