Home > MontroseBank > Performance and Condition Ratios
MontroseBank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 4,862 |
| Cost of funding earning assets | 0.1385% | 6,162 |
| Net interest margin | 3.5373% | 3,654 |
| Noninterest income to average assets | 0.6015% | 2,851 |
| Noninterest expense to average assets | 2.4937% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4591% | 964 |
| Return on assets (ROA) | 1.4805% | 952 |
| Pretax return on assets | 1.4805% | 1,615 |
| Return on Equity (ROE) | 14.2132% | 900 |
| Retained earnings to average equity (ytd only) | 3.6693% | 3,613 |
| Net charge-offs to loans | 0.3325% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.1459% | 2,412 |
| Efficiency ratio | 63.0867% | 4,741 |
| Assets per employee ($millions) | 4.1111% | 3,701 |
| Cash dividends to net income (ytd only)* | 74.1842% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 1,454 |
| Loan loss allowance to noncurrent loans | 183.7438% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 2,747 |
| Noncurrent loans to loans | 1.0008% | 2,829 |
| Net loans and leases to total assets | 33.4025% | 6,067 |
| Net loans and leases to deposits | 37.3415% | 6,120 |
| Net loans and leases to core deposits | 37.5951% | 6,163 |
| Total domestic deposits to total assets | 89.4516% | 993 |
| Equity capital to assets | 10.4855% | 3,504 |
| Core capital (leverage) ratio | 9.6967% | 3,973 |
| Tier 1 risk-based capital ratio | 22.8527% | 1,105 |
| Total risk-based capital ratio | 23.8519% | 1,122 |
| Memoranda: | ||
| Average total assets | $233,908,800 | 2,664 |
| Average earning assets | $221,608,800 | 2,609 |
| Average equity | $24,364,600 | 2,726 |
| Average total loans | $84,499,600 | 3,757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,787 |
| Cost of funding earning assets | 0.1393% | 6,246 |
| Net interest margin | 3.5871% | 3,484 |
| Noninterest income to average assets | 0.5659% | 3,094 |
| Noninterest expense to average assets | 2.6004% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3575% | 1,233 |
| Return on assets (ROA) | 1.3787% | 1,217 |
| Pretax return on assets | 1.3787% | 2,086 |
| Return on Equity (ROE) | 13.2585% | 1,150 |
| Retained earnings to average equity (ytd only) | 2.9029% | 4,534 |
| Net charge-offs to loans | 0.4062% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.1153% | 2,711 |
| Efficiency ratio | 65.7019% | 4,257 |
| Assets per employee ($millions) | 3.8569% | 4,174 |
| Cash dividends to net income (ytd only)* | 78.1055% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 1,649 |
| Loan loss allowance to noncurrent loans | 348.6175% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 3,453 |
| Noncurrent loans to loans | 0.5222% | 4,368 |
| Net loans and leases to total assets | 34.6817% | 6,086 |
| Net loans and leases to deposits | 38.8392% | 6,158 |
| Net loans and leases to core deposits | 39.1041% | 6,201 |
| Total domestic deposits to total assets | 89.2956% | 1,075 |
| Equity capital to assets | 10.4587% | 3,614 |
| Core capital (leverage) ratio | 9.6134% | 4,215 |
| Tier 1 risk-based capital ratio | 22.5196% | 1,182 |
| Total risk-based capital ratio | 23.7724% | 1,167 |
| Memoranda: | ||
| Average total assets | $232,775,250 | 2,690 |
| Average earning assets | $220,118,000 | 2,637 |
| Average equity | $24,205,250 | 2,745 |
| Average total loans | $85,340,000 | 3,773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,584 |
| Cost of funding earning assets | 0.1390% | 6,318 |
| Net interest margin | 3.6442% | 3,171 |
| Noninterest income to average assets | 0.5932% | 2,848 |
| Noninterest expense to average assets | 2.6524% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3771% | 1,121 |
| Return on assets (ROA) | 1.3814% | 1,151 |
| Pretax return on assets | 1.3814% | 1,964 |
| Return on Equity (ROE) | 13.3103% | 1,097 |
| Retained earnings to average equity (ytd only) | 2.1768% | 4,801 |
| Net charge-offs to loans | 0.6226% | 630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.9590% | 2,842 |
| Efficiency ratio | 65.8250% | 4,389 |
| Assets per employee ($millions) | 4.3198% | 3,230 |
| Cash dividends to net income (ytd only)* | 83.6454% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 1,916 |
| Loan loss allowance to noncurrent loans | 211.9718% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,168 |
| Noncurrent loans to loans | 0.8360% | 3,613 |
| Net loans and leases to total assets | 35.7624% | 6,061 |
| Net loans and leases to deposits | 40.0356% | 6,153 |
| Net loans and leases to core deposits | 40.3739% | 6,208 |
| Total domestic deposits to total assets | 89.3265% | 1,197 |
| Equity capital to assets | 10.4836% | 3,457 |
| Core capital (leverage) ratio | 9.6977% | 4,049 |
| Tier 1 risk-based capital ratio | 21.7637% | 1,297 |
| Total risk-based capital ratio | 23.0161% | 1,272 |
| Memoranda: | ||
| Average total assets | $231,944,330 | 2,705 |
| Average earning assets | $218,702,330 | 2,652 |
| Average equity | $24,071,670 | 2,748 |
| Average total loans | $86,084,000 | 3,763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,647 |
| Cost of funding earning assets | 0.1391% | 6,406 |
| Net interest margin | 3.6168% | 3,189 |
| Noninterest income to average assets | 0.6520% | 2,449 |
| Noninterest expense to average assets | 2.6634% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4061% | 977 |
| Return on assets (ROA) | 1.4061% | 1,020 |
| Pretax return on assets | 1.4061% | 1,721 |
| Return on Equity (ROE) | 13.6181% | 1,013 |
| Retained earnings to average equity (ytd only) | 2.9648% | 4,328 |
| Net charge-offs to loans | 0.7754% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.8393% | 2,464 |
| Efficiency ratio | 65.4484% | 4,617 |
| Assets per employee ($millions) | 4.4305% | 3,087 |
| Cash dividends to net income (ytd only)* | 78.2288% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 1,784 |
| Loan loss allowance to noncurrent loans | 186.8452% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 3,163 |
| Noncurrent loans to loans | 1.0117% | 3,396 |
| Net loans and leases to total assets | 35.4749% | 6,097 |
| Net loans and leases to deposits | 39.5895% | 6,184 |
| Net loans and leases to core deposits | 39.7994% | 6,243 |
| Total domestic deposits to total assets | 89.6068% | 1,306 |
| Equity capital to assets | 10.2484% | 3,542 |
| Core capital (leverage) ratio | 9.7565% | 3,920 |
| Tier 1 risk-based capital ratio | 21.9289% | 1,300 |
| Total risk-based capital ratio | 23.1828% | 1,274 |
| Memoranda: | ||
| Average total assets | $231,281,500 | 2,732 |
| Average earning assets | $218,534,500 | 2,667 |
| Average equity | $23,880,000 | 2,768 |
| Average total loans | $86,662,000 | 3,782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 4,372 |
| Cost of funding earning assets | 0.1570% | 6,510 |
| Net interest margin | 3.7660% | 2,782 |
| Noninterest income to average assets | 0.6866% | 2,617 |
| Noninterest expense to average assets | 2.7367% | 3,966 |
| Loan and lease loss provision to assets | 0.0341% | 4,436 |
| Net operating income to assets | 1.4502% | 913 |
| Return on assets (ROA) | 1.4502% | 956 |
| Pretax return on assets | 1.4502% | 1,615 |
| Return on Equity (ROE) | 13.7448% | 1,005 |
| Retained earnings to average equity (ytd only) | 3.5305% | 3,711 |
| Net charge-offs to loans | 0.3526% | 1,915 |
| Credit loss provision to net charge-offs | 23.4043% | 4,382 |
| Earnings coverage of net charge-offs (x) | 10.1976% | 2,406 |
| Efficiency ratio | 64.8360% | 4,760 |
| Assets per employee ($millions) | 4.3797% | 3,120 |
| Cash dividends to net income (ytd only)* | 74.3136% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 1,537 |
| Loan loss allowance to noncurrent loans | 211.5752% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,147 |
| Noncurrent loans to loans | 0.9478% | 3,620 |
| Net loans and leases to total assets | 38.0446% | 6,089 |
| Net loans and leases to deposits | 42.5178% | 6,199 |
| Net loans and leases to core deposits | 42.7516% | 6,280 |
| Total domestic deposits to total assets | 89.4791% | 1,345 |
| Equity capital to assets | 10.4041% | 3,281 |
| Core capital (leverage) ratio | 9.7095% | 3,971 |
| Tier 1 risk-based capital ratio | 21.5972% | 1,318 |
| Total risk-based capital ratio | 22.8528% | 1,296 |
| Memoranda: | ||
| Average total assets | $226,042,000 | 2,755 |
| Average earning assets | $212,135,000 | 2,694 |
| Average equity | $23,849,000 | 2,742 |
| Average total loans | $93,313,000 | 3,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 4,448 |
| Cost of funding earning assets | 0.1605% | 6,594 |
| Net interest margin | 3.7548% | 2,826 |
| Noninterest income to average assets | 0.7186% | 2,514 |
| Noninterest expense to average assets | 2.7267% | 3,913 |
| Loan and lease loss provision to assets | 0.0455% | 4,103 |
| Net operating income to assets | 1.4579% | 969 |
| Return on assets (ROA) | 1.4579% | 1,019 |
| Pretax return on assets | 1.4579% | 1,733 |
| Return on Equity (ROE) | 13.7698% | 1,047 |
| Retained earnings to average equity (ytd only) | 3.1089% | 4,460 |
| Net charge-offs to loans | 0.4682% | 1,371 |
| Credit loss provision to net charge-offs | 23.1928% | 4,014 |
| Earnings coverage of net charge-offs (x) | 7.6626% | 2,762 |
| Efficiency ratio | 64.4593% | 4,728 |
| Assets per employee ($millions) | 4.3240% | 3,177 |
| Cash dividends to net income (ytd only)* | 77.4219% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 1,832 |
| Loan loss allowance to noncurrent loans | 81.7552% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 2,255 |
| Noncurrent loans to loans | 2.3949% | 1,829 |
| Net loans and leases to total assets | 39.4183% | 6,076 |
| Net loans and leases to deposits | 44.1782% | 6,193 |
| Net loans and leases to core deposits | 44.4244% | 6,286 |
| Total domestic deposits to total assets | 89.2257% | 1,444 |
| Equity capital to assets | 10.5017% | 3,273 |
| Core capital (leverage) ratio | 9.7555% | 4,021 |
| Tier 1 risk-based capital ratio | 21.1562% | 1,470 |
| Total risk-based capital ratio | 22.4121% | 1,433 |
| Memoranda: | ||
| Average total assets | $225,616,000 | 2,780 |
| Average earning assets | $210,993,500 | 2,726 |
| Average equity | $23,887,500 | 2,771 |
| Average total loans | $94,536,750 | 3,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 4,494 |
| Cost of funding earning assets | 0.1647% | 6,647 |
| Net interest margin | 3.7311% | 2,839 |
| Noninterest income to average assets | 0.7827% | 2,266 |
| Noninterest expense to average assets | 2.6759% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5965% | 750 |
| Return on assets (ROA) | 1.5965% | 823 |
| Pretax return on assets | 1.5965% | 1,382 |
| Return on Equity (ROE) | 15.0382% | 805 |
| Retained earnings to average equity (ytd only) | 4.2621% | 3,585 |
| Net charge-offs to loans | 0.2398% | 2,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.6783% | 1,719 |
| Efficiency ratio | 62.6321% | 5,075 |
| Assets per employee ($millions) | 4.1107% | 3,558 |
| Cash dividends to net income (ytd only)* | 71.6583% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,798 |
| Loan loss allowance to noncurrent loans | 65.9303% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3430% | 1,832 |
| Noncurrent loans to loans | 3.0705% | 1,446 |
| Net loans and leases to total assets | 41.6437% | 5,927 |
| Net loans and leases to deposits | 46.7029% | 6,062 |
| Net loans and leases to core deposits | 46.9749% | 6,184 |
| Total domestic deposits to total assets | 89.1673% | 1,528 |
| Equity capital to assets | 10.6286% | 3,142 |
| Core capital (leverage) ratio | 9.6560% | 4,003 |
| Tier 1 risk-based capital ratio | 20.7686% | 1,553 |
| Total risk-based capital ratio | 22.0298% | 1,518 |
| Memoranda: | ||
| Average total assets | $225,871,330 | 2,784 |
| Average earning assets | $211,253,330 | 2,729 |
| Average equity | $23,979,000 | 2,774 |
| Average total loans | $95,915,000 | 3,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 4,347 |
| Cost of funding earning assets | 0.1691% | 6,734 |
| Net interest margin | 3.7660% | 2,585 |
| Noninterest income to average assets | 0.8849% | 1,812 |
| Noninterest expense to average assets | 2.6793% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7242% | 552 |
| Return on assets (ROA) | 1.7242% | 609 |
| Pretax return on assets | 1.7242% | 1,020 |
| Return on Equity (ROE) | 16.2502% | 581 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,895 |
| Net charge-offs to loans | 0.3971% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.2292% | 1,766 |
| Efficiency ratio | 60.8453% | 5,469 |
| Assets per employee ($millions) | 4.3231% | 3,293 |
| Cash dividends to net income (ytd only)* | 65.4786% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 1,945 |
| Loan loss allowance to noncurrent loans | 71.0497% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 2,435 |
| Noncurrent loans to loans | 2.8690% | 1,767 |
| Net loans and leases to total assets | 40.4599% | 5,960 |
| Net loans and leases to deposits | 45.3377% | 6,098 |
| Net loans and leases to core deposits | 45.4752% | 6,244 |
| Total domestic deposits to total assets | 89.2411% | 1,531 |
| Equity capital to assets | 10.6035% | 3,427 |
| Core capital (leverage) ratio | 9.6614% | 3,834 |
| Tier 1 risk-based capital ratio | 20.6542% | 1,624 |
| Total risk-based capital ratio | 21.9117% | 1,589 |
| Memoranda: | ||
| Average total assets | $227,819,000 | 2,803 |
| Average earning assets | $212,853,500 | 2,736 |
| Average equity | $24,172,000 | 2,788 |
| Average total loans | $96,698,000 | 3,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 3,687 |
| Cost of funding earning assets | 0.2121% | 6,801 |
| Net interest margin | 4.2221% | 1,597 |
| Noninterest income to average assets | 0.6377% | 3,065 |
| Noninterest expense to average assets | 2.7949% | 4,037 |
| Loan and lease loss provision to assets | 0.4702% | 1,323 |
| Net operating income to assets | 1.3489% | 1,198 |
| Return on assets (ROA) | 1.3708% | 1,272 |
| Pretax return on assets | 1.3708% | 2,139 |
| Return on Equity (ROE) | 12.9153% | 1,251 |
| Retained earnings to average equity (ytd only) | 3.6370% | 3,651 |
| Net charge-offs to loans | 1.0804% | 983 |
| Credit loss provision to net charge-offs | 89.5904% | 3,489 |
| Earnings coverage of net charge-offs (x) | 3.4659% | 3,715 |
| Efficiency ratio | 60.5746% | 5,454 |
| Assets per employee ($millions) | 4.3561% | 3,245 |
| Cash dividends to net income (ytd only)* | 71.8393% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0503% | 1,891 |
| Loan loss allowance to noncurrent loans | 62.1166% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 2,111 |
| Noncurrent loans to loans | 3.3008% | 1,555 |
| Net loans and leases to total assets | 42.7075% | 5,925 |
| Net loans and leases to deposits | 47.8364% | 6,119 |
| Net loans and leases to core deposits | 48.0578% | 6,268 |
| Total domestic deposits to total assets | 89.2784% | 1,389 |
| Equity capital to assets | 10.6170% | 3,380 |
| Core capital (leverage) ratio | 9.5323% | 4,062 |
| Tier 1 risk-based capital ratio | 19.6785% | 1,760 |
| Total risk-based capital ratio | 20.9291% | 1,731 |
| Memoranda: | ||
| Average total assets | $223,298,000 | 2,807 |
| Average earning assets | $210,296,800 | 2,731 |
| Average equity | $23,700,600 | 2,778 |
| Average total loans | $108,479,400 | 3,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 3,535 |
| Cost of funding earning assets | 0.2175% | 6,909 |
| Net interest margin | 4.3078% | 1,442 |
| Noninterest income to average assets | 0.6094% | 3,215 |
| Noninterest expense to average assets | 2.7763% | 4,067 |
| Loan and lease loss provision to assets | 0.4518% | 1,385 |
| Net operating income to assets | 1.4520% | 1,124 |
| Return on assets (ROA) | 1.4742% | 1,190 |
| Pretax return on assets | 1.4742% | 1,986 |
| Return on Equity (ROE) | 13.8900% | 1,135 |
| Retained earnings to average equity (ytd only) | 3.9242% | 4,123 |
| Net charge-offs to loans | 0.7129% | 1,548 |
| Credit loss provision to net charge-offs | 127.1501% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.3575% | 3,042 |
| Efficiency ratio | 59.3214% | 5,609 |
| Assets per employee ($millions) | 4.2251% | 3,415 |
| Cash dividends to net income (ytd only)* | 71.7478% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,721 |
| Loan loss allowance to noncurrent loans | 59.2859% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 2.2927% | 2,320 |
| Noncurrent loans to loans | 3.6966% | 1,443 |
| Net loans and leases to total assets | 45.9985% | 5,764 |
| Net loans and leases to deposits | 51.7254% | 5,993 |
| Net loans and leases to core deposits | 52.1265% | 6,173 |
| Total domestic deposits to total assets | 88.9283% | 1,474 |
| Equity capital to assets | 10.8203% | 3,477 |
| Core capital (leverage) ratio | 9.5711% | 4,158 |
| Tier 1 risk-based capital ratio | 19.0767% | 1,987 |
| Total risk-based capital ratio | 20.3368% | 1,956 |
| Memoranda: | ||
| Average total assets | $222,493,750 | 2,832 |
| Average earning assets | $210,251,000 | 2,762 |
| Average equity | $23,613,500 | 2,811 |
| Average total loans | $110,908,250 | 3,309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 3,317 |
| Cost of funding earning assets | 0.2243% | 6,982 |
| Net interest margin | 4.3852% | 1,244 |
| Noninterest income to average assets | 0.6288% | 3,084 |
| Noninterest expense to average assets | 2.7404% | 4,249 |
| Loan and lease loss provision to assets | 0.5495% | 1,121 |
| Net operating income to assets | 1.4783% | 1,031 |
| Return on assets (ROA) | 1.4945% | 1,119 |
| Pretax return on assets | 1.4945% | 1,863 |
| Return on Equity (ROE) | 14.1746% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.3835% | 4,352 |
| Net charge-offs to loans | 0.9772% | 1,138 |
| Credit loss provision to net charge-offs | 110.7078% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.0853% | 3,181 |
| Efficiency ratio | 57.4721% | 5,935 |
| Assets per employee ($millions) | 4.0670% | 3,731 |
| Cash dividends to net income (ytd only)* | 76.1302% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0252% | 2,164 |
| Loan loss allowance to noncurrent loans | 56.8557% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.7407% | 2,010 |
| Noncurrent loans to loans | 3.5620% | 1,609 |
| Net loans and leases to total assets | 48.5948% | 5,551 |
| Net loans and leases to deposits | 54.5823% | 5,814 |
| Net loans and leases to core deposits | 54.9154% | 6,027 |
| Total domestic deposits to total assets | 89.0304% | 1,481 |
| Equity capital to assets | 10.7811% | 3,361 |
| Core capital (leverage) ratio | 9.4170% | 4,273 |
| Tier 1 risk-based capital ratio | 18.2371% | 2,216 |
| Total risk-based capital ratio | 19.4959% | 2,185 |
| Memoranda: | ||
| Average total assets | $222,014,670 | 2,846 |
| Average earning assets | $209,569,330 | 2,766 |
| Average equity | $23,408,000 | 2,815 |
| Average total loans | $112,773,330 | 3,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 3,276 |
| Cost of funding earning assets | 0.2332% | 7,047 |
| Net interest margin | 4.4146% | 1,192 |
| Noninterest income to average assets | 0.6774% | 2,769 |
| Noninterest expense to average assets | 2.7471% | 4,253 |
| Loan and lease loss provision to assets | 0.3064% | 2,055 |
| Net operating income to assets | 1.7956% | 602 |
| Return on assets (ROA) | 1.7956% | 674 |
| Pretax return on assets | 1.7956% | 1,076 |
| Return on Equity (ROE) | 17.2213% | 635 |
| Retained earnings to average equity (ytd only) | 5.9295% | 2,999 |
| Net charge-offs to loans | 0.5615% | 1,680 |
| Credit loss provision to net charge-offs | 106.2112% | 2,181 |
| Earnings coverage of net charge-offs (x) | 7.2857% | 2,093 |
| Efficiency ratio | 56.6519% | 6,058 |
| Assets per employee ($millions) | 4.0915% | 3,821 |
| Cash dividends to net income (ytd only)* | 65.5689% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 2,603 |
| Loan loss allowance to noncurrent loans | 76.7889% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 2,766 |
| Noncurrent loans to loans | 2.5065% | 2,603 |
| Net loans and leases to total assets | 48.8413% | 5,449 |
| Net loans and leases to deposits | 54.6175% | 5,745 |
| Net loans and leases to core deposits | 55.0100% | 5,984 |
| Total domestic deposits to total assets | 89.4243% | 1,412 |
| Equity capital to assets | 10.4375% | 3,570 |
| Core capital (leverage) ratio | 9.4344% | 4,145 |
| Tier 1 risk-based capital ratio | 17.6663% | 2,419 |
| Total risk-based capital ratio | 18.9229% | 2,387 |
| Memoranda: | ||
| Average total assets | $223,214,000 | 2,851 |
| Average earning assets | $210,936,500 | 2,760 |
| Average equity | $23,273,500 | 2,825 |
| Average total loans | $114,696,000 | 3,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 2,011 |
| Cost of funding earning assets | 0.3736% | 6,956 |
| Net interest margin | 4.8384% | 580 |
| Noninterest income to average assets | 0.6972% | 2,620 |
| Noninterest expense to average assets | 2.9447% | 3,796 |
| Loan and lease loss provision to assets | 0.4510% | 2,343 |
| Net operating income to assets | 1.8795% | 396 |
| Return on assets (ROA) | 1.9037% | 404 |
| Pretax return on assets | 1.9037% | 656 |
| Return on Equity (ROE) | 18.7239% | 332 |
| Retained earnings to average equity (ytd only) | 5.6465% | 2,213 |
| Net charge-offs to loans | 0.5877% | 2,687 |
| Credit loss provision to net charge-offs | 130.1480% | 2,353 |
| Earnings coverage of net charge-offs (x) | 6.7254% | 2,463 |
| Efficiency ratio | 55.8218% | 6,332 |
| Assets per employee ($millions) | 4.0253% | 3,798 |
| Cash dividends to net income (ytd only)* | 69.8432% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 2,773 |
| Loan loss allowance to noncurrent loans | 92.6629% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 3,047 |
| Noncurrent loans to loans | 1.9749% | 3,240 |
| Net loans and leases to total assets | 52.0242% | 5,306 |
| Net loans and leases to deposits | 58.1469% | 5,682 |
| Net loans and leases to core deposits | 58.6568% | 5,958 |
| Total domestic deposits to total assets | 89.4703% | 1,282 |
| Equity capital to assets | 10.4154% | 3,634 |
| Core capital (leverage) ratio | 9.2213% | 4,435 |
| Tier 1 risk-based capital ratio | 16.7945% | 2,693 |
| Total risk-based capital ratio | 18.0522% | 2,656 |
| Memoranda: | ||
| Average total assets | $214,419,400 | 2,900 |
| Average earning assets | $202,875,800 | 2,814 |
| Average equity | $21,801,000 | 2,915 |
| Average total loans | $126,417,000 | 3,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 1,866 |
| Cost of funding earning assets | 0.4145% | 6,982 |
| Net interest margin | 4.8829% | 531 |
| Noninterest income to average assets | 0.6934% | 2,646 |
| Noninterest expense to average assets | 3.0744% | 3,264 |
| Loan and lease loss provision to assets | 0.4539% | 2,193 |
| Net operating income to assets | 1.7880% | 531 |
| Return on assets (ROA) | 1.8206% | 541 |
| Pretax return on assets | 1.8206% | 917 |
| Return on Equity (ROE) | 18.0202% | 452 |
| Retained earnings to average equity (ytd only) | 4.3623% | 3,625 |
| Net charge-offs to loans | 0.4486% | 2,928 |
| Credit loss provision to net charge-offs | 167.2055% | 1,813 |
| Earnings coverage of net charge-offs (x) | 8.2586% | 2,208 |
| Efficiency ratio | 57.8302% | 6,040 |
| Assets per employee ($millions) | 3.9910% | 3,871 |
| Cash dividends to net income (ytd only)* | 75.7920% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,863 |
| Loan loss allowance to noncurrent loans | 73.4816% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.2537% | 2,835 |
| Noncurrent loans to loans | 2.4783% | 2,798 |
| Net loans and leases to total assets | 54.3769% | 5,117 |
| Net loans and leases to deposits | 60.7859% | 5,542 |
| Net loans and leases to core deposits | 61.3133% | 5,877 |
| Total domestic deposits to total assets | 89.4564% | 1,165 |
| Equity capital to assets | 10.2785% | 3,987 |
| Core capital (leverage) ratio | 9.2783% | 4,486 |
| Tier 1 risk-based capital ratio | 15.7530% | 3,249 |
| Total risk-based capital ratio | 17.0093% | 3,204 |
| Memoranda: | ||
| Average total assets | $212,676,000 | 2,925 |
| Average earning assets | $201,349,000 | 2,838 |
| Average equity | $21,486,500 | 2,952 |
| Average total loans | $128,690,000 | 3,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 1,568 |
| Cost of funding earning assets | 0.4675% | 6,960 |
| Net interest margin | 4.9306% | 457 |
| Noninterest income to average assets | 0.7177% | 2,445 |
| Noninterest expense to average assets | 3.0456% | 3,453 |
| Loan and lease loss provision to assets | 0.6027% | 1,600 |
| Net operating income to assets | 1.7415% | 553 |
| Return on assets (ROA) | 1.7690% | 574 |
| Pretax return on assets | 1.7690% | 932 |
| Return on Equity (ROE) | 17.6164% | 497 |
| Retained earnings to average equity (ytd only) | 3.8338% | 3,767 |
| Net charge-offs to loans | 0.3235% | 3,265 |
| Credit loss provision to net charge-offs | 299.0566% | 1,025 |
| Earnings coverage of net charge-offs (x) | 11.6321% | 1,699 |
| Efficiency ratio | 56.5079% | 6,362 |
| Assets per employee ($millions) | 3.7796% | 4,254 |
| Cash dividends to net income (ytd only)* | 78.2375% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,672 |
| Loan loss allowance to noncurrent loans | 73.3500% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 3,089 |
| Noncurrent loans to loans | 2.5888% | 2,787 |
| Net loans and leases to total assets | 57.2377% | 4,779 |
| Net loans and leases to deposits | 63.9511% | 5,277 |
| Net loans and leases to core deposits | 64.5164% | 5,669 |
| Total domestic deposits to total assets | 89.5023% | 1,242 |
| Equity capital to assets | 10.2846% | 3,770 |
| Core capital (leverage) ratio | 9.2755% | 4,281 |
| Tier 1 risk-based capital ratio | 15.5119% | 3,234 |
| Total risk-based capital ratio | 16.7687% | 3,174 |
| Memoranda: | ||
| Average total assets | $210,399,000 | 2,972 |
| Average earning assets | $199,367,000 | 2,879 |
| Average equity | $21,128,000 | 2,979 |
| Average total loans | $131,061,670 | 3,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 1,515 |
| Cost of funding earning assets | 0.4927% | 6,993 |
| Net interest margin | 4.9210% | 439 |
| Noninterest income to average assets | 0.7360% | 2,347 |
| Noninterest expense to average assets | 2.9537% | 3,844 |
| Loan and lease loss provision to assets | 0.9782% | 793 |
| Net operating income to assets | 1.4702% | 933 |
| Return on assets (ROA) | 1.4702% | 973 |
| Pretax return on assets | 1.4702% | 1,531 |
| Return on Equity (ROE) | 14.8212% | 852 |
| Retained earnings to average equity (ytd only) | 0.6536% | 5,564 |
| Net charge-offs to loans | 0.4805% | 2,269 |
| Credit loss provision to net charge-offs | 316.6667% | 1,023 |
| Earnings coverage of net charge-offs (x) | 7.9259% | 1,881 |
| Efficiency ratio | 54.6770% | 6,632 |
| Assets per employee ($millions) | 3.7029% | 4,534 |
| Cash dividends to net income (ytd only)* | 95.5901% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 3,257 |
| Loan loss allowance to noncurrent loans | 68.4527% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0316% | 3,279 |
| Noncurrent loans to loans | 2.5200% | 2,965 |
| Net loans and leases to total assets | 61.3790% | 3,997 |
| Net loans and leases to deposits | 68.2631% | 4,637 |
| Net loans and leases to core deposits | 68.8644% | 5,185 |
| Total domestic deposits to total assets | 89.9154% | 1,201 |
| Equity capital to assets | 9.9226% | 3,870 |
| Core capital (leverage) ratio | 9.2429% | 4,222 |
| Tier 1 risk-based capital ratio | 14.4052% | 3,801 |
| Total risk-based capital ratio | 15.6513% | 3,765 |
| Memoranda: | ||
| Average total assets | $209,770,500 | 2,990 |
| Average earning assets | $198,902,000 | 2,901 |
| Average equity | $20,808,000 | 3,008 |
| Average total loans | $134,846,500 | 2,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 1,135 |
| Cost of funding earning assets | 0.6733% | 6,948 |
| Net interest margin | 5.1839% | 293 |
| Noninterest income to average assets | 0.7817% | 2,367 |
| Noninterest expense to average assets | 3.0470% | 3,667 |
| Loan and lease loss provision to assets | 0.4792% | 3,262 |
| Net operating income to assets | 2.1395% | 217 |
| Return on assets (ROA) | 2.1356% | 229 |
| Pretax return on assets | 2.1356% | 367 |
| Return on Equity (ROE) | 21.2249% | 190 |
| Retained earnings to average equity (ytd only) | 4.1107% | 2,975 |
| Net charge-offs to loans | 0.3391% | 4,317 |
| Credit loss provision to net charge-offs | 203.9583% | 1,526 |
| Earnings coverage of net charge-offs (x) | 11.1458% | 1,633 |
| Efficiency ratio | 53.7797% | 6,827 |
| Assets per employee ($millions) | 3.6575% | 4,563 |
| Cash dividends to net income (ytd only)* | 80.6326% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 4,541 |
| Loan loss allowance to noncurrent loans | 119.3669% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 4,521 |
| Noncurrent loans to loans | 1.1685% | 4,765 |
| Net loans and leases to total assets | 65.2096% | 3,621 |
| Net loans and leases to deposits | 72.5008% | 4,432 |
| Net loans and leases to core deposits | 73.1460% | 5,081 |
| Total domestic deposits to total assets | 89.9433% | 1,132 |
| Equity capital to assets | 9.9162% | 3,860 |
| Core capital (leverage) ratio | 9.3086% | 3,994 |
| Tier 1 risk-based capital ratio | 14.0498% | 3,837 |
| Total risk-based capital ratio | 15.3047% | 3,804 |
| Memoranda: | ||
| Average total assets | $204,296,800 | 3,050 |
| Average earning assets | $192,480,400 | 2,968 |
| Average equity | $20,556,000 | 3,069 |
| Average total loans | $141,568,000 | 2,915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 1,160 |
| Cost of funding earning assets | 0.7128% | 7,034 |
| Net interest margin | 5.1754% | 313 |
| Noninterest income to average assets | 0.7570% | 2,470 |
| Noninterest expense to average assets | 3.0366% | 3,620 |
| Loan and lease loss provision to assets | 0.1528% | 5,510 |
| Net operating income to assets | 2.4350% | 157 |
| Return on assets (ROA) | 2.4298% | 162 |
| Pretax return on assets | 2.4298% | 260 |
| Return on Equity (ROE) | 24.0590% | 137 |
| Retained earnings to average equity (ytd only) | 6.2811% | 2,213 |
| Net charge-offs to loans | 0.0243% | 6,334 |
| Credit loss provision to net charge-offs | 896.1538% | 338 |
| Earnings coverage of net charge-offs (x) | 151.7124% | 211 |
| Efficiency ratio | 53.9888% | 6,790 |
| Assets per employee ($millions) | 3.4791% | 5,025 |
| Cash dividends to net income (ytd only)* | 73.8931% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 5,654 |
| Loan loss allowance to noncurrent loans | 76.0019% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 4,448 |
| Noncurrent loans to loans | 1.5304% | 4,343 |
| Net loans and leases to total assets | 67.5205% | 3,327 |
| Net loans and leases to deposits | 75.6122% | 4,244 |
| Net loans and leases to core deposits | 76.5147% | 4,990 |
| Total domestic deposits to total assets | 89.2984% | 1,231 |
| Equity capital to assets | 10.4001% | 3,640 |
| Core capital (leverage) ratio | 9.4608% | 3,960 |
| Tier 1 risk-based capital ratio | 13.7055% | 4,050 |
| Total risk-based capital ratio | 14.8665% | 4,057 |
| Memoranda: | ||
| Average total assets | $203,251,750 | 3,099 |
| Average earning assets | $191,157,000 | 3,020 |
| Average equity | $20,526,750 | 3,118 |
| Average total loans | $142,492,500 | 2,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 1,170 |
| Cost of funding earning assets | 0.7614% | 7,031 |
| Net interest margin | 5.1434% | 315 |
| Noninterest income to average assets | 0.7533% | 2,376 |
| Noninterest expense to average assets | 3.0151% | 3,656 |
| Loan and lease loss provision to assets | 0.1076% | 5,836 |
| Net operating income to assets | 2.4593% | 144 |
| Return on assets (ROA) | 2.4573% | 149 |
| Pretax return on assets | 2.4573% | 248 |
| Return on Equity (ROE) | 24.5791% | 134 |
| Retained earnings to average equity (ytd only) | 6.5867% | 2,027 |
| Net charge-offs to loans | 0.0168% | 6,106 |
| Credit loss provision to net charge-offs | 908.3333% | 412 |
| Earnings coverage of net charge-offs (x) | 216.6667% | 158 |
| Efficiency ratio | 54.0149% | 6,881 |
| Assets per employee ($millions) | 3.2436% | 5,567 |
| Cash dividends to net income (ytd only)* | 73.2021% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,965 |
| Loan loss allowance to noncurrent loans | 98.0658% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 4,920 |
| Noncurrent loans to loans | 1.1167% | 5,090 |
| Net loans and leases to total assets | 68.3078% | 3,286 |
| Net loans and leases to deposits | 76.3365% | 4,271 |
| Net loans and leases to core deposits | 77.1545% | 5,068 |
| Total domestic deposits to total assets | 89.4825% | 1,189 |
| Equity capital to assets | 10.2932% | 3,659 |
| Core capital (leverage) ratio | 9.3868% | 3,980 |
| Tier 1 risk-based capital ratio | 13.4965% | 4,068 |
| Total risk-based capital ratio | 14.5795% | 4,141 |
| Memoranda: | ||
| Average total assets | $202,579,670 | 3,127 |
| Average earning assets | $190,185,330 | 3,059 |
| Average equity | $20,253,000 | 3,143 |
| Average total loans | $143,247,000 | 2,953 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 1,291 |
| Cost of funding earning assets | 0.8136% | 7,045 |
| Net interest margin | 5.0480% | 377 |
| Noninterest income to average assets | 0.7594% | 2,240 |
| Noninterest expense to average assets | 2.9373% | 3,924 |
| Loan and lease loss provision to assets | 0.0866% | 5,775 |
| Net operating income to assets | 2.4592% | 158 |
| Return on assets (ROA) | 2.4592% | 173 |
| Pretax return on assets | 2.4592% | 266 |
| Return on Equity (ROE) | 24.9632% | 163 |
| Retained earnings to average equity (ytd only) | 6.6702% | 2,293 |
| Net charge-offs to loans | 0.0110% | 5,432 |
| Credit loss provision to net charge-offs | 1,100.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 323.5000% | 96 |
| Efficiency ratio | 53.5701% | 7,015 |
| Assets per employee ($millions) | 3.3103% | 5,521 |
| Cash dividends to net income (ytd only)* | 73.2800% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,398 |
| Loan loss allowance to noncurrent loans | 78.1217% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 4,874 |
| Noncurrent loans to loans | 1.2956% | 4,813 |
| Net loans and leases to total assets | 69.7614% | 2,995 |
| Net loans and leases to deposits | 77.5939% | 4,112 |
| Net loans and leases to core deposits | 78.5496% | 4,954 |
| Total domestic deposits to total assets | 89.9059% | 1,038 |
| Equity capital to assets | 9.9255% | 3,951 |
| Core capital (leverage) ratio | 9.2864% | 4,077 |
| Tier 1 risk-based capital ratio | 12.2264% | 4,971 |
| Total risk-based capital ratio | 13.1876% | 5,223 |
| Memoranda: | ||
| Average total assets | $203,318,000 | 3,178 |
| Average earning assets | $190,254,500 | 3,115 |
| Average equity | $20,029,500 | 3,203 |
| Average total loans | $145,425,500 | 2,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4603% | 726 |
| Cost of funding earning assets | 1.1276% | 6,892 |
| Net interest margin | 5.3327% | 231 |
| Noninterest income to average assets | 0.9441% | 1,773 |
| Noninterest expense to average assets | 3.2745% | 3,105 |
| Loan and lease loss provision to assets | 0.2211% | 5,594 |
| Net operating income to assets | 2.4226% | 99 |
| Return on assets (ROA) | 2.4226% | 111 |
| Pretax return on assets | 2.4226% | 179 |
| Return on Equity (ROE) | 24.6283% | 96 |
| Retained earnings to average equity (ytd only) | 6.1558% | 1,295 |
| Net charge-offs to loans | 0.1898% | 5,466 |
| Credit loss provision to net charge-offs | 150.5263% | 3,077 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,155 |
| Efficiency ratio | 55.3292% | 7,092 |
| Assets per employee ($millions) | 3.3566% | 5,353 |
| Cash dividends to net income (ytd only)* | 75.0053% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,518 |
| Loan loss allowance to noncurrent loans | 248.0836% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 6,204 |
| Noncurrent loans to loans | 0.3926% | 6,494 |
| Net loans and leases to total assets | 71.8905% | 2,773 |
| Net loans and leases to deposits | 79.8022% | 4,035 |
| Net loans and leases to core deposits | 87.1701% | 5,418 |
| Total domestic deposits to total assets | 90.0858% | 921 |
| Equity capital to assets | 9.7757% | 4,036 |
| Core capital (leverage) ratio | 9.0637% | 4,316 |
| Tier 1 risk-based capital ratio | 12.7043% | 4,359 |
| Total risk-based capital ratio | 13.6935% | 4,517 |
| Memoranda: | ||
| Average total assets | $194,045,000 | 3,244 |
| Average earning assets | $180,996,400 | 3,208 |
| Average equity | $19,087,800 | 3,333 |
| Average total loans | $150,165,600 | 2,910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4661% | 808 |
| Cost of funding earning assets | 1.1920% | 6,913 |
| Net interest margin | 5.2741% | 269 |
| Noninterest income to average assets | 1.0003% | 1,606 |
| Noninterest expense to average assets | 3.2991% | 2,927 |
| Loan and lease loss provision to assets | 0.1741% | 5,625 |
| Net operating income to assets | 2.4501% | 110 |
| Return on assets (ROA) | 2.4501% | 123 |
| Pretax return on assets | 2.4501% | 211 |
| Return on Equity (ROE) | 24.8668% | 111 |
| Retained earnings to average equity (ytd only) | 7.9979% | 1,137 |
| Net charge-offs to loans | 0.1226% | 5,472 |
| Credit loss provision to net charge-offs | 180.5755% | 2,533 |
| Earnings coverage of net charge-offs (x) | 27.2156% | 1,001 |
| Efficiency ratio | 55.6974% | 7,043 |
| Assets per employee ($millions) | 3.3817% | 5,199 |
| Cash dividends to net income (ytd only)* | 67.8369% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,629 |
| Loan loss allowance to noncurrent loans | 397.7143% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 6,476 |
| Noncurrent loans to loans | 0.2345% | 6,913 |
| Net loans and leases to total assets | 72.8798% | 2,824 |
| Net loans and leases to deposits | 81.0648% | 4,185 |
| Net loans and leases to core deposits | 88.7952% | 5,551 |
| Total domestic deposits to total assets | 89.9031% | 806 |
| Equity capital to assets | 9.7613% | 4,408 |
| Core capital (leverage) ratio | 9.2605% | 4,250 |
| Tier 1 risk-based capital ratio | 12.5793% | 4,488 |
| Total risk-based capital ratio | 13.5389% | 4,658 |
| Memoranda: | ||
| Average total assets | $192,206,750 | 3,288 |
| Average earning assets | $179,412,000 | 3,243 |
| Average equity | $18,937,750 | 3,381 |
| Average total loans | $151,154,500 | 2,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5683% | 702 |
| Cost of funding earning assets | 1.2466% | 6,972 |
| Net interest margin | 5.3217% | 237 |
| Noninterest income to average assets | 1.0708% | 1,384 |
| Noninterest expense to average assets | 3.3588% | 2,760 |
| Loan and lease loss provision to assets | 0.2089% | 4,953 |
| Net operating income to assets | 2.4639% | 115 |
| Return on assets (ROA) | 2.4639% | 127 |
| Pretax return on assets | 2.4639% | 229 |
| Return on Equity (ROE) | 24.9245% | 137 |
| Retained earnings to average equity (ytd only) | 8.0007% | 1,205 |
| Net charge-offs to loans | 0.1647% | 4,566 |
| Credit loss provision to net charge-offs | 157.6000% | 2,928 |
| Earnings coverage of net charge-offs (x) | 20.1680% | 1,323 |
| Efficiency ratio | 55.6864% | 7,149 |
| Assets per employee ($millions) | 3.0967% | 5,880 |
| Cash dividends to net income (ytd only)* | 67.9002% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 6,789 |
| Loan loss allowance to noncurrent loans | 185.4595% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 5,749 |
| Noncurrent loans to loans | 0.4833% | 6,319 |
| Net loans and leases to total assets | 77.8649% | 1,778 |
| Net loans and leases to deposits | 86.7164% | 3,415 |
| Net loans and leases to core deposits | 95.3000% | 4,976 |
| Total domestic deposits to total assets | 89.7926% | 916 |
| Equity capital to assets | 9.9011% | 4,082 |
| Core capital (leverage) ratio | 9.4974% | 3,888 |
| Tier 1 risk-based capital ratio | 12.4106% | 4,591 |
| Total risk-based capital ratio | 13.3502% | 4,753 |
| Memoranda: | ||
| Average total assets | $188,641,000 | 3,351 |
| Average earning assets | $175,845,330 | 3,319 |
| Average equity | $18,648,330 | 3,443 |
| Average total loans | $151,783,330 | 2,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5453% | 791 |
| Cost of funding earning assets | 1.2714% | 7,112 |
| Net interest margin | 5.2739% | 243 |
| Noninterest income to average assets | 1.1361% | 1,145 |
| Noninterest expense to average assets | 3.2220% | 2,888 |
| Loan and lease loss provision to assets | 0.1262% | 5,340 |
| Net operating income to assets | 2.7043% | 89 |
| Return on assets (ROA) | 2.7043% | 114 |
| Pretax return on assets | 2.7043% | 176 |
| Return on Equity (ROE) | 27.3778% | 136 |
| Retained earnings to average equity (ytd only) | 9.8985% | 1,222 |
| Net charge-offs to loans | 0.0709% | 4,482 |
| Credit loss provision to net charge-offs | 218.5185% | 2,068 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 737 |
| Efficiency ratio | 53.2344% | 7,290 |
| Assets per employee ($millions) | 2.9720% | 6,229 |
| Cash dividends to net income (ytd only)* | 63.8449% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,851 |
| Loan loss allowance to noncurrent loans | 164.4110% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 6,225 |
| Noncurrent loans to loans | 0.5320% | 6,090 |
| Net loans and leases to total assets | 79.4085% | 1,494 |
| Net loans and leases to deposits | 88.4252% | 3,213 |
| Net loans and leases to core deposits | 96.4596% | 4,915 |
| Total domestic deposits to total assets | 89.8031% | 888 |
| Equity capital to assets | 9.9966% | 4,009 |
| Core capital (leverage) ratio | 9.4636% | 4,029 |
| Tier 1 risk-based capital ratio | 11.9228% | 5,025 |
| Total risk-based capital ratio | 12.8131% | 5,246 |
| Memoranda: | ||
| Average total assets | $186,962,500 | 3,400 |
| Average earning assets | $174,293,000 | 3,362 |
| Average equity | $18,467,500 | 3,487 |
| Average total loans | $152,249,500 | 2,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0187% | 1,090 |
| Cost of funding earning assets | 1.6707% | 7,326 |
| Net interest margin | 5.3481% | 263 |
| Noninterest income to average assets | 0.7870% | 2,590 |
| Noninterest expense to average assets | 3.1124% | 3,646 |
| Loan and lease loss provision to assets | 0.1545% | 5,385 |
| Net operating income to assets | 2.4293% | 149 |
| Return on assets (ROA) | 2.4474% | 141 |
| Pretax return on assets | 2.4474% | 220 |
| Return on Equity (ROE) | 26.5832% | 105 |
| Retained earnings to average equity (ytd only) | 8.9884% | 614 |
| Net charge-offs to loans | 0.1723% | 4,477 |
| Credit loss provision to net charge-offs | 115.0794% | 4,694 |
| Earnings coverage of net charge-offs (x) | 19.2421% | 1,646 |
| Efficiency ratio | 54.6399% | 7,194 |
| Assets per employee ($millions) | 3.0605% | 5,893 |
| Cash dividends to net income (ytd only)* | 66.1877% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 6,986 |
| Loan loss allowance to noncurrent loans | 173.2070% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 6,042 |
| Noncurrent loans to loans | 0.4783% | 5,915 |
| Net loans and leases to total assets | 82.0753% | 1,216 |
| Net loans and leases to deposits | 93.9029% | 2,784 |
| Net loans and leases to core deposits | 101.9671% | 4,618 |
| Total domestic deposits to total assets | 87.4044% | 1,751 |
| Equity capital to assets | 9.7583% | 4,352 |
| Core capital (leverage) ratio | 9.1382% | 4,541 |
| Tier 1 risk-based capital ratio | 11.2040% | 5,535 |
| Total risk-based capital ratio | 12.0420% | 5,823 |
| Memoranda: | ||
| Average total assets | $187,667,400 | 3,299 |
| Average earning assets | $172,268,200 | 3,296 |
| Average equity | $17,277,800 | 3,690 |
| Average total loans | $146,214,400 | 2,990 |