Home > Mountain West Bank > Performance and Condition Ratios
Mountain West Bank, Performance and Condition Ratios
| 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 | 1.1882% | 6,553 |
| Cost of funding earning assets | 0.0765% | 6,465 |
| Net interest margin | 1.1117% | 6,545 |
| Noninterest income to average assets | 0.1288% | 6,123 |
| Noninterest expense to average assets | 0.6638% | 6,560 |
| Loan and lease loss provision to assets | 0.0026% | 4,355 |
| Net operating income to assets | 0.2719% | 5,673 |
| Return on assets (ROA) | 0.2708% | 5,743 |
| Pretax return on assets | 0.4272% | 5,525 |
| Return on Equity (ROE) | 2.0881% | 5,815 |
| Retained earnings to average equity (ytd only) | -2.9322% | 6,138 |
| Net charge-offs to loans | 0.0041% | 4,560 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 169.1625% | 367 |
| Efficiency ratio | 54.1238% | 5,810 |
| Assets per employee ($millions) | 4.5941% | 2,820 |
| Cash dividends to net income (ytd only)* | 240.4246% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 4,300 |
| Noncurrent loans to loans | 0.0534% | 5,805 |
| Net loans and leases to total assets | 57.2285% | 4,180 |
| Net loans and leases to deposits | 68.8480% | 4,038 |
| Net loans and leases to core deposits | 71.4111% | 4,215 |
| Total domestic deposits to total assets | 83.1229% | 4,086 |
| Equity capital to assets | 15.4062% | 652 |
| Core capital (leverage) ratio | 10.7606% | 2,743 |
| Tier 1 risk-based capital ratio | 15.9230% | 3,090 |
| Total risk-based capital ratio | 15.9230% | 3,716 |
| Memoranda: | ||
| Average total assets | $627,308,000 | 1,075 |
| Average earning assets | $545,345,500 | 1,112 |
| Average equity | $81,348,000 | 902 |
| Average total loans | $387,561,000 | 1,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 2,480 |
| Cost of funding earning assets | 0.4237% | 3,613 |
| Net interest margin | 3.9053% | 2,141 |
| Noninterest income to average assets | 0.7579% | 2,014 |
| Noninterest expense to average assets | 3.1676% | 2,286 |
| Loan and lease loss provision to assets | 0.0957% | 2,428 |
| Net operating income to assets | 0.6508% | 4,090 |
| Return on assets (ROA) | 0.6568% | 4,159 |
| Pretax return on assets | 0.9344% | 3,745 |
| Return on Equity (ROE) | 5.3949% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.0670% | 5,334 |
| Net charge-offs to loans | 0.1608% | 2,104 |
| Credit loss provision to net charge-offs | 94.0810% | 2,113 |
| Earnings coverage of net charge-offs (x) | 10.0436% | 2,283 |
| Efficiency ratio | 75.6146% | 2,704 |
| Assets per employee ($millions) | 3.9399% | 3,972 |
| Cash dividends to net income (ytd only)* | 80.2219% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0879% | 347 |
| Loan loss allowance to noncurrent loans | 89.5487% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.8223% | 926 |
| Noncurrent loans to loans | 3.4482% | 777 |
| Net loans and leases to total assets | 61.5149% | 3,477 |
| Net loans and leases to deposits | 73.0019% | 3,449 |
| Net loans and leases to core deposits | 75.7971% | 3,643 |
| Total domestic deposits to total assets | 84.2647% | 3,827 |
| Equity capital to assets | 12.4882% | 1,654 |
| Core capital (leverage) ratio | 12.4577% | 1,419 |
| Tier 1 risk-based capital ratio | 16.9574% | 2,636 |
| Total risk-based capital ratio | 18.2250% | 2,588 |
| Memoranda: | ||
| Average total assets | $631,207,000 | 1,070 |
| Average earning assets | $554,573,000 | 1,099 |
| Average equity | $76,850,000 | 950 |
| Average total loans | $399,313,000 | 1,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,364 |
| Cost of funding earning assets | 0.4321% | 3,625 |
| Net interest margin | 3.9077% | 2,061 |
| Noninterest income to average assets | 0.6789% | 2,294 |
| Noninterest expense to average assets | 3.1810% | 2,290 |
| Loan and lease loss provision to assets | 0.1725% | 1,401 |
| Net operating income to assets | 0.5333% | 4,537 |
| Return on assets (ROA) | 0.5377% | 4,587 |
| Pretax return on assets | 0.7698% | 4,228 |
| Return on Equity (ROE) | 4.4722% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.4722% | 3,436 |
| Net charge-offs to loans | -0.0298% | 5,552 |
| Credit loss provision to net charge-offs | -916.6667% | 5,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2630% | 2,600 |
| Assets per employee ($millions) | 3.6648% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 387 |
| Loan loss allowance to noncurrent loans | 78.4027% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 1,005 |
| Noncurrent loans to loans | 3.9703% | 682 |
| Net loans and leases to total assets | 61.1104% | 3,378 |
| Net loans and leases to deposits | 72.8393% | 3,229 |
| Net loans and leases to core deposits | 75.3358% | 3,485 |
| Total domestic deposits to total assets | 83.8976% | 4,307 |
| Equity capital to assets | 12.1930% | 1,749 |
| Core capital (leverage) ratio | 12.3498% | 1,450 |
| Tier 1 risk-based capital ratio | 16.8165% | 2,769 |
| Total risk-based capital ratio | 18.0844% | 2,723 |
| Memoranda: | ||
| Average total assets | $637,527,500 | 1,069 |
| Average earning assets | $560,945,500 | 1,097 |
| Average equity | $76,651,000 | 953 |
| Average total loans | $402,652,500 | 1,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 2,129 |
| Cost of funding earning assets | 0.4963% | 3,652 |
| Net interest margin | 4.0242% | 1,884 |
| Noninterest income to average assets | 0.8303% | 1,936 |
| Noninterest expense to average assets | 3.5634% | 1,524 |
| Loan and lease loss provision to assets | -0.3373% | 6,696 |
| Net operating income to assets | 0.7495% | 3,554 |
| Return on assets (ROA) | 0.7540% | 3,620 |
| Pretax return on assets | 1.1358% | 2,824 |
| Return on Equity (ROE) | 6.4159% | 3,867 |
| Retained earnings to average equity (ytd only) | 3.3459% | 3,848 |
| Net charge-offs to loans | -0.1084% | 6,489 |
| Credit loss provision to net charge-offs | 484.9099% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8208% | 1,901 |
| Assets per employee ($millions) | 3.4839% | 4,927 |
| Cash dividends to net income (ytd only)* | 47.8496% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9952% | 471 |
| Loan loss allowance to noncurrent loans | 78.6209% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.8844% | 1,115 |
| Noncurrent loans to loans | 3.8097% | 780 |
| Net loans and leases to total assets | 61.3479% | 3,476 |
| Net loans and leases to deposits | 72.7051% | 3,428 |
| Net loans and leases to core deposits | 75.0042% | 3,734 |
| Total domestic deposits to total assets | 84.3792% | 4,026 |
| Equity capital to assets | 11.8552% | 1,905 |
| Core capital (leverage) ratio | 12.0150% | 1,598 |
| Tier 1 risk-based capital ratio | 16.3500% | 2,933 |
| Total risk-based capital ratio | 17.6168% | 2,875 |
| Memoranda: | ||
| Average total assets | $638,343,600 | 1,047 |
| Average earning assets | $559,140,800 | 1,087 |
| Average equity | $75,016,400 | 955 |
| Average total loans | $409,418,400 | 1,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 2,226 |
| Cost of funding earning assets | 0.5110% | 3,663 |
| Net interest margin | 3.9897% | 1,981 |
| Noninterest income to average assets | 0.8759% | 1,840 |
| Noninterest expense to average assets | 3.6047% | 1,389 |
| Loan and lease loss provision to assets | -0.1719% | 6,698 |
| Net operating income to assets | 0.6309% | 4,211 |
| Return on assets (ROA) | 0.6369% | 4,302 |
| Pretax return on assets | 0.9438% | 3,713 |
| Return on Equity (ROE) | 5.4315% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.3249% | 5,451 |
| Net charge-offs to loans | -0.0198% | 6,041 |
| Credit loss provision to net charge-offs | 1,347.5410% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5315% | 1,755 |
| Assets per employee ($millions) | 3.2918% | 5,298 |
| Cash dividends to net income (ytd only)* | 75.6074% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2554% | 428 |
| Loan loss allowance to noncurrent loans | 74.9728% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 3.0468% | 1,213 |
| Noncurrent loans to loans | 4.3421% | 773 |
| Net loans and leases to total assets | 60.6081% | 3,593 |
| Net loans and leases to deposits | 71.6029% | 3,562 |
| Net loans and leases to core deposits | 73.6658% | 3,889 |
| Total domestic deposits to total assets | 84.6448% | 3,905 |
| Equity capital to assets | 11.6097% | 2,207 |
| Core capital (leverage) ratio | 11.9054% | 1,733 |
| Tier 1 risk-based capital ratio | 16.3588% | 3,010 |
| Total risk-based capital ratio | 17.6288% | 2,970 |
| Memoranda: | ||
| Average total assets | $637,669,000 | 1,057 |
| Average earning assets | $558,091,250 | 1,097 |
| Average equity | $74,771,250 | 966 |
| Average total loans | $410,420,750 | 1,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,131 |
| Cost of funding earning assets | 0.5323% | 3,579 |
| Net interest margin | 3.9849% | 1,916 |
| Noninterest income to average assets | 0.9197% | 1,747 |
| Noninterest expense to average assets | 3.6513% | 1,332 |
| Loan and lease loss provision to assets | 0.0060% | 4,719 |
| Net operating income to assets | 0.5122% | 4,757 |
| Return on assets (ROA) | 0.5215% | 4,878 |
| Pretax return on assets | 0.7563% | 4,484 |
| Return on Equity (ROE) | 4.4326% | 5,038 |
| Retained earnings to average equity (ytd only) | -1.7207% | 6,157 |
| Net charge-offs to loans | -0.1031% | 6,508 |
| Credit loss provision to net charge-offs | -8.9202% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9833% | 1,760 |
| Assets per employee ($millions) | 2.9942% | 5,858 |
| Cash dividends to net income (ytd only)* | 138.8186% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4514% | 386 |
| Loan loss allowance to noncurrent loans | 45.6576% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 5.4154% | 546 |
| Noncurrent loans to loans | 7.5593% | 289 |
| Net loans and leases to total assets | 62.6577% | 3,164 |
| Net loans and leases to deposits | 74.4820% | 3,078 |
| Net loans and leases to core deposits | 76.7224% | 3,464 |
| Total domestic deposits to total assets | 84.1246% | 4,265 |
| Equity capital to assets | 11.6790% | 2,148 |
| Core capital (leverage) ratio | 11.9078% | 1,665 |
| Tier 1 risk-based capital ratio | 16.3961% | 2,985 |
| Total risk-based capital ratio | 17.6694% | 2,935 |
| Memoranda: | ||
| Average total assets | $636,260,670 | 1,061 |
| Average earning assets | $555,698,670 | 1,104 |
| Average equity | $74,854,330 | 971 |
| Average total loans | $413,184,000 | 1,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,106 |
| Cost of funding earning assets | 0.5611% | 3,466 |
| Net interest margin | 3.9567% | 1,929 |
| Noninterest income to average assets | 0.8788% | 1,833 |
| Noninterest expense to average assets | 3.6325% | 1,362 |
| Loan and lease loss provision to assets | 0.0088% | 4,342 |
| Net operating income to assets | 0.4766% | 4,789 |
| Return on assets (ROA) | 0.4775% | 4,951 |
| Pretax return on assets | 0.6850% | 4,638 |
| Return on Equity (ROE) | 4.0443% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.0443% | 3,802 |
| Net charge-offs to loans | -0.2184% | 6,702 |
| Credit loss provision to net charge-offs | -6.1674% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9884% | 1,768 |
| Assets per employee ($millions) | 3.0116% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4768% | 425 |
| Loan loss allowance to noncurrent loans | 44.0448% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 6.3454% | 485 |
| Noncurrent loans to loans | 7.8937% | 340 |
| Net loans and leases to total assets | 61.8640% | 3,085 |
| Net loans and leases to deposits | 72.4398% | 3,128 |
| Net loans and leases to core deposits | 74.5278% | 3,514 |
| Total domestic deposits to total assets | 85.4006% | 3,843 |
| Equity capital to assets | 12.0180% | 2,026 |
| Core capital (leverage) ratio | 11.9322% | 1,608 |
| Tier 1 risk-based capital ratio | 16.4344% | 3,045 |
| Total risk-based capital ratio | 17.7072% | 2,981 |
| Memoranda: | ||
| Average total assets | $639,998,500 | 1,063 |
| Average earning assets | $557,439,000 | 1,107 |
| Average equity | $75,563,500 | 971 |
| Average total loans | $415,743,000 | 1,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 2,008 |
| Cost of funding earning assets | 0.7976% | 2,687 |
| Net interest margin | 4.0554% | 2,167 |
| Noninterest income to average assets | 1.0339% | 1,449 |
| Noninterest expense to average assets | 3.6434% | 1,512 |
| Loan and lease loss provision to assets | 0.0720% | 4,836 |
| Net operating income to assets | 0.5688% | 4,383 |
| Return on assets (ROA) | 0.5818% | 4,584 |
| Pretax return on assets | 0.8640% | 4,054 |
| Return on Equity (ROE) | 5.0761% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.0761% | 2,660 |
| Net charge-offs to loans | 0.3390% | 2,940 |
| Credit loss provision to net charge-offs | 32.1678% | 5,083 |
| Earnings coverage of net charge-offs (x) | 4.0972% | 3,482 |
| Efficiency ratio | 79.8998% | 2,163 |
| Assets per employee ($millions) | 3.1283% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2506% | 527 |
| Loan loss allowance to noncurrent loans | 39.7475% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 6.7488% | 467 |
| Noncurrent loans to loans | 8.1781% | 350 |
| Net loans and leases to total assets | 63.6683% | 2,954 |
| Net loans and leases to deposits | 74.3441% | 3,045 |
| Net loans and leases to core deposits | 77.0135% | 3,404 |
| Total domestic deposits to total assets | 85.6400% | 3,534 |
| Equity capital to assets | 11.6006% | 2,345 |
| Core capital (leverage) ratio | 11.7150% | 1,724 |
| Tier 1 risk-based capital ratio | 15.9068% | 3,214 |
| Total risk-based capital ratio | 17.1783% | 3,164 |
| Memoranda: | ||
| Average total assets | $639,235,000 | 1,033 |
| Average earning assets | $555,804,800 | 1,091 |
| Average equity | $73,265,600 | 966 |
| Average total loans | $421,846,000 | 991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 1,942 |
| Cost of funding earning assets | 0.8373% | 2,650 |
| Net interest margin | 4.0812% | 2,164 |
| Noninterest income to average assets | 1.0375% | 1,407 |
| Noninterest expense to average assets | 3.5262% | 1,699 |
| Loan and lease loss provision to assets | 0.0921% | 4,444 |
| Net operating income to assets | 0.6047% | 4,377 |
| Return on assets (ROA) | 0.6169% | 4,570 |
| Pretax return on assets | 0.9858% | 3,770 |
| Return on Equity (ROE) | 5.3990% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.3990% | 3,099 |
| Net charge-offs to loans | 0.3333% | 2,790 |
| Credit loss provision to net charge-offs | 41.8251% | 4,579 |
| Earnings coverage of net charge-offs (x) | 4.8099% | 3,196 |
| Efficiency ratio | 76.9066% | 2,534 |
| Assets per employee ($millions) | 3.1010% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5608% | 441 |
| Loan loss allowance to noncurrent loans | 36.3725% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 7.5989% | 428 |
| Noncurrent loans to loans | 9.7897% | 258 |
| Net loans and leases to total assets | 60.8382% | 3,603 |
| Net loans and leases to deposits | 70.8896% | 3,772 |
| Net loans and leases to core deposits | 73.8407% | 3,994 |
| Total domestic deposits to total assets | 85.8211% | 3,351 |
| Equity capital to assets | 11.7771% | 2,453 |
| Core capital (leverage) ratio | 11.7299% | 1,824 |
| Tier 1 risk-based capital ratio | 16.3517% | 3,086 |
| Total risk-based capital ratio | 17.6253% | 3,040 |
| Memoranda: | ||
| Average total assets | $637,155,000 | 1,043 |
| Average earning assets | $553,836,000 | 1,103 |
| Average equity | $72,802,000 | 975 |
| Average total loans | $420,772,750 | 997 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 2,086 |
| Cost of funding earning assets | 0.8701% | 2,660 |
| Net interest margin | 4.0357% | 2,359 |
| Noninterest income to average assets | 0.8818% | 1,857 |
| Noninterest expense to average assets | 3.4334% | 1,949 |
| Loan and lease loss provision to assets | 0.1328% | 3,869 |
| Net operating income to assets | 0.5200% | 4,721 |
| Return on assets (ROA) | 0.5226% | 4,983 |
| Pretax return on assets | 0.8333% | 4,342 |
| Return on Equity (ROE) | 4.6210% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.6210% | 3,535 |
| Net charge-offs to loans | 0.4154% | 2,375 |
| Credit loss provision to net charge-offs | 47.6940% | 4,088 |
| Earnings coverage of net charge-offs (x) | 3.4556% | 3,368 |
| Efficiency ratio | 78.1134% | 2,449 |
| Assets per employee ($millions) | 3.1065% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4119% | 533 |
| Loan loss allowance to noncurrent loans | 34.1728% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 8.1700% | 415 |
| Noncurrent loans to loans | 9.9842% | 269 |
| Net loans and leases to total assets | 64.1341% | 3,005 |
| Net loans and leases to deposits | 75.7351% | 3,021 |
| Net loans and leases to core deposits | 78.8400% | 3,389 |
| Total domestic deposits to total assets | 84.6821% | 4,010 |
| Equity capital to assets | 11.5335% | 2,556 |
| Core capital (leverage) ratio | 11.3791% | 1,987 |
| Tier 1 risk-based capital ratio | 15.1723% | 3,650 |
| Total risk-based capital ratio | 16.4446% | 3,599 |
| Memoranda: | ||
| Average total assets | $638,673,000 | 1,040 |
| Average earning assets | $556,040,330 | 1,093 |
| Average equity | $72,235,330 | 974 |
| Average total loans | $428,006,000 | 986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 2,275 |
| Cost of funding earning assets | 0.8918% | 2,755 |
| Net interest margin | 4.0004% | 2,506 |
| Noninterest income to average assets | 0.7237% | 2,540 |
| Noninterest expense to average assets | 3.1887% | 2,641 |
| Loan and lease loss provision to assets | 0.2602% | 2,375 |
| Net operating income to assets | 0.4729% | 4,940 |
| Return on assets (ROA) | 0.4729% | 5,138 |
| Pretax return on assets | 0.7505% | 4,604 |
| Return on Equity (ROE) | 4.2224% | 5,182 |
| Retained earnings to average equity (ytd only) | 4.2224% | 4,057 |
| Net charge-offs to loans | 0.7776% | 1,322 |
| Credit loss provision to net charge-offs | 49.7020% | 3,295 |
| Earnings coverage of net charge-offs (x) | 1.9309% | 3,365 |
| Efficiency ratio | 75.9323% | 2,800 |
| Assets per employee ($millions) | 3.2234% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4447% | 555 |
| Loan loss allowance to noncurrent loans | 29.6260% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 9.3389% | 352 |
| Noncurrent loans to loans | 11.6275% | 218 |
| Net loans and leases to total assets | 62.9229% | 3,064 |
| Net loans and leases to deposits | 74.0882% | 3,114 |
| Net loans and leases to core deposits | 77.1594% | 3,446 |
| Total domestic deposits to total assets | 84.9298% | 4,078 |
| Equity capital to assets | 11.2536% | 2,673 |
| Core capital (leverage) ratio | 11.0888% | 2,195 |
| Tier 1 risk-based capital ratio | 14.7651% | 3,917 |
| Total risk-based capital ratio | 16.0372% | 3,861 |
| Memoranda: | ||
| Average total assets | $641,144,500 | 1,033 |
| Average earning assets | $557,048,500 | 1,097 |
| Average equity | $71,807,500 | 970 |
| Average total loans | $431,612,000 | 968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 2,738 |
| Cost of funding earning assets | 1.1269% | 2,490 |
| Net interest margin | 3.9078% | 3,302 |
| Noninterest income to average assets | 0.5853% | 3,248 |
| Noninterest expense to average assets | 3.0941% | 3,217 |
| Loan and lease loss provision to assets | 0.4639% | 2,287 |
| Net operating income to assets | 0.2797% | 5,330 |
| Return on assets (ROA) | 0.2992% | 5,410 |
| Pretax return on assets | 0.4710% | 5,073 |
| Return on Equity (ROE) | 2.8828% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.8828% | 4,195 |
| Net charge-offs to loans | 0.8028% | 2,154 |
| Credit loss provision to net charge-offs | 82.1157% | 4,361 |
| Earnings coverage of net charge-offs (x) | 1.6009% | 4,570 |
| Efficiency ratio | 77.3815% | 2,684 |
| Assets per employee ($millions) | 3.2202% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3293% | 606 |
| Loan loss allowance to noncurrent loans | 32.2098% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 9.0218% | 403 |
| Noncurrent loans to loans | 10.3363% | 295 |
| Net loans and leases to total assets | 67.1594% | 2,546 |
| Net loans and leases to deposits | 79.0301% | 2,679 |
| Net loans and leases to core deposits | 82.0532% | 3,168 |
| Total domestic deposits to total assets | 84.9795% | 3,860 |
| Equity capital to assets | 11.1461% | 2,847 |
| Core capital (leverage) ratio | 10.5391% | 2,675 |
| Tier 1 risk-based capital ratio | 13.8485% | 4,443 |
| Total risk-based capital ratio | 15.1203% | 4,379 |
| Memoranda: | ||
| Average total assets | $676,032,600 | 960 |
| Average earning assets | $590,461,800 | 999 |
| Average equity | $70,176,000 | 954 |
| Average total loans | $475,715,000 | 878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 3,110 |
| Cost of funding earning assets | 1.1848% | 2,416 |
| Net interest margin | 3.8086% | 3,827 |
| Noninterest income to average assets | 0.5315% | 3,643 |
| Noninterest expense to average assets | 2.9725% | 3,667 |
| Loan and lease loss provision to assets | 0.4912% | 2,021 |
| Net operating income to assets | 0.2548% | 5,553 |
| Return on assets (ROA) | 0.2648% | 5,681 |
| Pretax return on assets | 0.4159% | 5,420 |
| Return on Equity (ROE) | 2.5955% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.5955% | 4,811 |
| Net charge-offs to loans | 0.8673% | 1,832 |
| Credit loss provision to net charge-offs | 80.2481% | 4,134 |
| Earnings coverage of net charge-offs (x) | 1.4564% | 4,544 |
| Efficiency ratio | 76.9285% | 2,689 |
| Assets per employee ($millions) | 3.4178% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2498% | 687 |
| Loan loss allowance to noncurrent loans | 27.5339% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 9.8552% | 370 |
| Noncurrent loans to loans | 11.8028% | 243 |
| Net loans and leases to total assets | 66.4865% | 2,784 |
| Net loans and leases to deposits | 77.7493% | 3,037 |
| Net loans and leases to core deposits | 81.6603% | 3,381 |
| Total domestic deposits to total assets | 85.5140% | 3,485 |
| Equity capital to assets | 10.6559% | 3,510 |
| Core capital (leverage) ratio | 10.2622% | 3,119 |
| Tier 1 risk-based capital ratio | 13.4141% | 4,798 |
| Total risk-based capital ratio | 14.6846% | 4,756 |
| Memoranda: | ||
| Average total assets | $684,834,500 | 957 |
| Average earning assets | $599,219,250 | 986 |
| Average equity | $69,863,250 | 969 |
| Average total loans | $483,344,750 | 877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 3,323 |
| Cost of funding earning assets | 1.2202% | 2,440 |
| Net interest margin | 3.7467% | 4,048 |
| Noninterest income to average assets | 0.5219% | 3,690 |
| Noninterest expense to average assets | 2.9079% | 3,992 |
| Loan and lease loss provision to assets | 0.5245% | 1,870 |
| Net operating income to assets | 0.2381% | 5,601 |
| Return on assets (ROA) | 0.2527% | 5,674 |
| Pretax return on assets | 0.3957% | 5,408 |
| Return on Equity (ROE) | 2.5130% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.5130% | 4,690 |
| Net charge-offs to loans | 0.6669% | 2,166 |
| Credit loss provision to net charge-offs | 110.4878% | 2,775 |
| Earnings coverage of net charge-offs (x) | 1.8902% | 3,919 |
| Efficiency ratio | 76.4187% | 2,949 |
| Assets per employee ($millions) | 3.3762% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2997% | 704 |
| Loan loss allowance to noncurrent loans | 27.2449% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 9.8001% | 410 |
| Noncurrent loans to loans | 12.1113% | 247 |
| Net loans and leases to total assets | 68.7267% | 2,473 |
| Net loans and leases to deposits | 80.7377% | 2,657 |
| Net loans and leases to core deposits | 85.0907% | 3,059 |
| Total domestic deposits to total assets | 85.1233% | 3,824 |
| Equity capital to assets | 10.5315% | 3,465 |
| Core capital (leverage) ratio | 10.0385% | 3,216 |
| Tier 1 risk-based capital ratio | 12.8817% | 5,019 |
| Total risk-based capital ratio | 14.1534% | 4,970 |
| Memoranda: | ||
| Average total assets | $690,953,330 | 959 |
| Average earning assets | $605,489,330 | 981 |
| Average equity | $69,478,000 | 976 |
| Average total loans | $491,792,330 | 879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 4,040 |
| Cost of funding earning assets | 1.2633% | 2,400 |
| Net interest margin | 3.5412% | 4,844 |
| Noninterest income to average assets | 0.4170% | 4,569 |
| Noninterest expense to average assets | 2.9343% | 3,923 |
| Loan and lease loss provision to assets | 0.3520% | 2,444 |
| Net operating income to assets | 0.1486% | 5,951 |
| Return on assets (ROA) | 0.1698% | 5,935 |
| Pretax return on assets | 0.2626% | 5,767 |
| Return on Equity (ROE) | 1.7271% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.7271% | 5,088 |
| Net charge-offs to loans | 0.0048% | 5,060 |
| Credit loss provision to net charge-offs | 10,300.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 170.3333% | 186 |
| Efficiency ratio | 83.4440% | 2,026 |
| Assets per employee ($millions) | 3.5665% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2825% | 722 |
| Loan loss allowance to noncurrent loans | 26.3824% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 10.2290% | 394 |
| Noncurrent loans to loans | 12.4422% | 258 |
| Net loans and leases to total assets | 68.2804% | 2,492 |
| Net loans and leases to deposits | 80.5047% | 2,611 |
| Net loans and leases to core deposits | 84.7150% | 3,066 |
| Total domestic deposits to total assets | 84.8154% | 4,123 |
| Equity capital to assets | 9.9466% | 3,845 |
| Core capital (leverage) ratio | 9.6341% | 3,619 |
| Tier 1 risk-based capital ratio | 12.2666% | 5,466 |
| Total risk-based capital ratio | 13.5389% | 5,443 |
| Memoranda: | ||
| Average total assets | $702,188,500 | 950 |
| Average earning assets | $614,599,000 | 985 |
| Average equity | $69,016,500 | 972 |
| Average total loans | $500,137,000 | 877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 3,015 |
| Cost of funding earning assets | 1.6618% | 1,768 |
| Net interest margin | 3.6616% | 4,526 |
| Noninterest income to average assets | 0.5936% | 3,519 |
| Noninterest expense to average assets | 3.0400% | 3,695 |
| Loan and lease loss provision to assets | 1.7840% | 775 |
| Net operating income to assets | -0.6114% | 6,457 |
| Return on assets (ROA) | -0.5753% | 6,464 |
| Pretax return on assets | -0.9475% | 6,604 |
| Return on Equity (ROE) | -6.2849% | 6,515 |
| Retained earnings to average equity (ytd only) | -6.2849% | 6,409 |
| Net charge-offs to loans | 2.5569% | 731 |
| Credit loss provision to net charge-offs | 93.8450% | 4,956 |
| Earnings coverage of net charge-offs (x) | 0.4104% | 5,696 |
| Efficiency ratio | 79.5772% | 2,469 |
| Assets per employee ($millions) | 3.5803% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0445% | 839 |
| Loan loss allowance to noncurrent loans | 24.3151% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 10.5164% | 371 |
| Noncurrent loans to loans | 12.5209% | 257 |
| Net loans and leases to total assets | 69.6540% | 2,616 |
| Net loans and leases to deposits | 83.4430% | 2,544 |
| Net loans and leases to core deposits | 88.4704% | 2,989 |
| Total domestic deposits to total assets | 83.4750% | 4,620 |
| Equity capital to assets | 9.7132% | 4,106 |
| Core capital (leverage) ratio | 9.0614% | 4,436 |
| Tier 1 risk-based capital ratio | 11.7198% | 5,709 |
| Total risk-based capital ratio | 12.9884% | 5,701 |
| Memoranda: | ||
| Average total assets | $761,473,800 | 886 |
| Average earning assets | $671,016,800 | 910 |
| Average equity | $69,706,800 | 960 |
| Average total loans | $566,153,000 | 793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 3,194 |
| Cost of funding earning assets | 1.7284% | 1,729 |
| Net interest margin | 3.6058% | 4,845 |
| Noninterest income to average assets | 0.6295% | 3,260 |
| Noninterest expense to average assets | 2.9089% | 4,053 |
| Loan and lease loss provision to assets | 1.2431% | 1,138 |
| Net operating income to assets | -0.2022% | 6,328 |
| Return on assets (ROA) | -0.1551% | 6,336 |
| Pretax return on assets | -0.2620% | 6,379 |
| Return on Equity (ROE) | -1.7181% | 6,366 |
| Retained earnings to average equity (ytd only) | -1.7181% | 6,143 |
| Net charge-offs to loans | 1.5679% | 1,271 |
| Credit loss provision to net charge-offs | 105.8168% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.7725% | 5,291 |
| Efficiency ratio | 76.2223% | 2,901 |
| Assets per employee ($millions) | 3.4451% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 797 |
| Loan loss allowance to noncurrent loans | 22.7825% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 10.8886% | 335 |
| Noncurrent loans to loans | 13.3264% | 217 |
| Net loans and leases to total assets | 72.0728% | 2,235 |
| Net loans and leases to deposits | 86.6231% | 2,214 |
| Net loans and leases to core deposits | 91.7990% | 2,837 |
| Total domestic deposits to total assets | 83.2027% | 4,499 |
| Equity capital to assets | 9.8103% | 4,403 |
| Core capital (leverage) ratio | 9.5422% | 3,842 |
| Tier 1 risk-based capital ratio | 11.9561% | 5,503 |
| Total risk-based capital ratio | 13.2252% | 5,452 |
| Memoranda: | ||
| Average total assets | $774,617,000 | 877 |
| Average earning assets | $684,613,250 | 897 |
| Average equity | $69,919,250 | 959 |
| Average total loans | $580,370,500 | 776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 3,141 |
| Cost of funding earning assets | 1.8432% | 1,463 |
| Net interest margin | 3.5201% | 5,161 |
| Noninterest income to average assets | 0.5854% | 3,445 |
| Noninterest expense to average assets | 2.8049% | 4,460 |
| Loan and lease loss provision to assets | 0.9791% | 1,480 |
| Net operating income to assets | -0.0795% | 6,195 |
| Return on assets (ROA) | 0.0173% | 6,160 |
| Pretax return on assets | 0.0194% | 6,122 |
| Return on Equity (ROE) | 0.1974% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.1974% | 5,670 |
| Net charge-offs to loans | 1.3490% | 1,411 |
| Credit loss provision to net charge-offs | 96.6298% | 4,221 |
| Earnings coverage of net charge-offs (x) | 0.8780% | 4,890 |
| Efficiency ratio | 75.9192% | 3,092 |
| Assets per employee ($millions) | 3.3124% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8459% | 959 |
| Loan loss allowance to noncurrent loans | 24.1846% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 9.9541% | 409 |
| Noncurrent loans to loans | 11.7675% | 305 |
| Net loans and leases to total assets | 73.5072% | 2,029 |
| Net loans and leases to deposits | 89.1813% | 1,977 |
| Net loans and leases to core deposits | 94.5471% | 2,640 |
| Total domestic deposits to total assets | 82.4244% | 4,813 |
| Equity capital to assets | 9.7971% | 4,270 |
| Core capital (leverage) ratio | 9.4566% | 3,886 |
| Tier 1 risk-based capital ratio | 11.7143% | 5,573 |
| Total risk-based capital ratio | 12.9812% | 5,518 |
| Memoranda: | ||
| Average total assets | $784,777,000 | 870 |
| Average earning assets | $693,155,330 | 892 |
| Average equity | $68,891,670 | 965 |
| Average total loans | $589,456,330 | 763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 3,836 |
| Cost of funding earning assets | 1.9408% | 1,284 |
| Net interest margin | 3.2982% | 5,979 |
| Noninterest income to average assets | 0.7579% | 2,250 |
| Noninterest expense to average assets | 2.7060% | 4,878 |
| Loan and lease loss provision to assets | 1.2897% | 939 |
| Net operating income to assets | -0.1928% | 6,538 |
| Return on assets (ROA) | -0.1781% | 6,590 |
| Pretax return on assets | -0.2962% | 6,635 |
| Return on Equity (ROE) | -2.1465% | 6,652 |
| Retained earnings to average equity (ytd only) | -2.1465% | 6,235 |
| Net charge-offs to loans | 1.1516% | 1,462 |
| Credit loss provision to net charge-offs | 149.6228% | 2,390 |
| Earnings coverage of net charge-offs (x) | 1.1259% | 4,095 |
| Efficiency ratio | 73.6019% | 3,641 |
| Assets per employee ($millions) | 3.3842% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 866 |
| Loan loss allowance to noncurrent loans | 26.0518% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 9.4392% | 446 |
| Noncurrent loans to loans | 11.2896% | 338 |
| Net loans and leases to total assets | 71.5829% | 2,554 |
| Net loans and leases to deposits | 85.3162% | 2,713 |
| Net loans and leases to core deposits | 93.5635% | 2,896 |
| Total domestic deposits to total assets | 83.9031% | 4,190 |
| Equity capital to assets | 8.3446% | 6,237 |
| Core capital (leverage) ratio | 8.3134% | 5,716 |
| Tier 1 risk-based capital ratio | 10.1042% | 6,959 |
| Total risk-based capital ratio | 11.3718% | 6,938 |
| Memoranda: | ||
| Average total assets | $799,548,500 | 868 |
| Average earning assets | $707,530,000 | 889 |
| Average equity | $66,342,000 | 1,004 |
| Average total loans | $598,478,000 | 772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 1,620 |
| Cost of funding earning assets | 2.5425% | 913 |
| Net interest margin | 3.5228% | 4,854 |
| Noninterest income to average assets | 0.6082% | 3,566 |
| Noninterest expense to average assets | 3.1127% | 3,682 |
| Loan and lease loss provision to assets | 2.4388% | 822 |
| Net operating income to assets | -1.0528% | 6,612 |
| Return on assets (ROA) | -1.0392% | 6,601 |
| Pretax return on assets | -1.7130% | 6,828 |
| Return on Equity (ROE) | -12.1853% | 6,779 |
| Retained earnings to average equity (ytd only) | -12.1853% | 6,696 |
| Net charge-offs to loans | 2.2739% | 1,029 |
| Credit loss provision to net charge-offs | 139.0863% | 3,520 |
| Earnings coverage of net charge-offs (x) | 0.4018% | 5,714 |
| Efficiency ratio | 81.5423% | 2,665 |
| Assets per employee ($millions) | 3.3773% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6860% | 1,026 |
| Loan loss allowance to noncurrent loans | 33.5461% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 7.2425% | 691 |
| Noncurrent loans to loans | 8.0070% | 626 |
| Net loans and leases to total assets | 73.9005% | 2,295 |
| Net loans and leases to deposits | 88.4091% | 2,485 |
| Net loans and leases to core deposits | 124.0374% | 1,633 |
| Total domestic deposits to total assets | 83.5893% | 4,237 |
| Equity capital to assets | 8.2507% | 6,274 |
| Core capital (leverage) ratio | 8.0630% | 6,061 |
| Tier 1 risk-based capital ratio | 9.8507% | 6,986 |
| Total risk-based capital ratio | 11.1159% | 6,952 |
| Memoranda: | ||
| Average total assets | $847,597,400 | 796 |
| Average earning assets | $772,106,200 | 804 |
| Average equity | $72,284,000 | 906 |
| Average total loans | $653,578,400 | 715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1295% | 1,556 |
| Cost of funding earning assets | 2.6658% | 871 |
| Net interest margin | 3.4637% | 5,013 |
| Noninterest income to average assets | 0.6064% | 3,647 |
| Noninterest expense to average assets | 2.9766% | 4,140 |
| Loan and lease loss provision to assets | 1.7806% | 1,040 |
| Net operating income to assets | -0.5927% | 6,521 |
| Return on assets (ROA) | -0.5772% | 6,500 |
| Pretax return on assets | -0.9486% | 6,643 |
| Return on Equity (ROE) | -6.7176% | 6,633 |
| Retained earnings to average equity (ytd only) | -6.7176% | 6,476 |
| Net charge-offs to loans | 1.1090% | 1,803 |
| Credit loss provision to net charge-offs | 207.4919% | 2,135 |
| Earnings coverage of net charge-offs (x) | 0.9414% | 5,116 |
| Efficiency ratio | 78.6532% | 3,057 |
| Assets per employee ($millions) | 3.5857% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5877% | 977 |
| Loan loss allowance to noncurrent loans | 37.9277% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 5.9153% | 921 |
| Noncurrent loans to loans | 6.8227% | 806 |
| Net loans and leases to total assets | 71.9945% | 3,040 |
| Net loans and leases to deposits | 86.2270% | 3,268 |
| Net loans and leases to core deposits | 122.7359% | 2,019 |
| Total domestic deposits to total assets | 83.4941% | 3,966 |
| Equity capital to assets | 8.3013% | 6,503 |
| Core capital (leverage) ratio | 8.2007% | 6,013 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,736 |
| Total risk-based capital ratio | 11.5144% | 6,662 |
| Memoranda: | ||
| Average total assets | $858,544,500 | 802 |
| Average earning assets | $787,728,250 | 791 |
| Average equity | $73,775,000 | 891 |
| Average total loans | $664,369,250 | 722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2971% | 1,212 |
| Cost of funding earning assets | 2.7377% | 942 |
| Net interest margin | 3.5594% | 4,538 |
| Noninterest income to average assets | 0.7207% | 2,859 |
| Noninterest expense to average assets | 3.0110% | 4,043 |
| Loan and lease loss provision to assets | 0.8267% | 2,028 |
| Net operating income to assets | 0.0953% | 5,580 |
| Return on assets (ROA) | 0.1167% | 5,612 |
| Pretax return on assets | 0.1777% | 5,520 |
| Return on Equity (ROE) | 1.3431% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.3431% | 4,592 |
| Net charge-offs to loans | 0.6848% | 2,334 |
| Credit loss provision to net charge-offs | 153.6892% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.8069% | 4,209 |
| Efficiency ratio | 75.5979% | 3,769 |
| Assets per employee ($millions) | 3.3809% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 2,054 |
| Loan loss allowance to noncurrent loans | 64.0277% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.9643% | 2,151 |
| Noncurrent loans to loans | 2.8067% | 2,567 |
| Net loans and leases to total assets | 74.6554% | 2,529 |
| Net loans and leases to deposits | 90.2217% | 2,801 |
| Net loans and leases to core deposits | 139.7195% | 1,024 |
| Total domestic deposits to total assets | 82.7467% | 4,360 |
| Equity capital to assets | 8.6113% | 5,882 |
| Core capital (leverage) ratio | 8.6720% | 5,140 |
| Tier 1 risk-based capital ratio | 10.4714% | 6,401 |
| Total risk-based capital ratio | 11.7267% | 6,344 |
| Memoranda: | ||
| Average total assets | $856,673,000 | 820 |
| Average earning assets | $785,124,000 | 814 |
| Average equity | $74,454,670 | 893 |
| Average total loans | $672,934,330 | 735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2480% | 1,453 |
| Cost of funding earning assets | 2.7446% | 1,127 |
| Net interest margin | 3.5034% | 4,719 |
| Noninterest income to average assets | 0.7214% | 2,752 |
| Noninterest expense to average assets | 2.8392% | 4,385 |
| Loan and lease loss provision to assets | 0.8889% | 1,472 |
| Net operating income to assets | 0.1218% | 5,912 |
| Return on assets (ROA) | 0.1250% | 6,068 |
| Pretax return on assets | 0.2057% | 5,924 |
| Return on Equity (ROE) | 1.4232% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.4232% | 5,062 |
| Net charge-offs to loans | 0.9445% | 1,402 |
| Credit loss provision to net charge-offs | 118.2148% | 3,315 |
| Earnings coverage of net charge-offs (x) | 1.4492% | 4,008 |
| Efficiency ratio | 72.2639% | 4,146 |
| Assets per employee ($millions) | 3.3959% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 2,518 |
| Loan loss allowance to noncurrent loans | 58.5869% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.0675% | 1,842 |
| Noncurrent loans to loans | 2.7311% | 2,399 |
| Net loans and leases to total assets | 77.0805% | 2,021 |
| Net loans and leases to deposits | 93.8943% | 2,285 |
| Net loans and leases to core deposits | 146.9115% | 815 |
| Total domestic deposits to total assets | 82.0929% | 4,508 |
| Equity capital to assets | 8.7000% | 5,763 |
| Core capital (leverage) ratio | 8.8411% | 4,921 |
| Tier 1 risk-based capital ratio | 10.2603% | 6,632 |
| Total risk-based capital ratio | 11.5134% | 6,554 |
| Memoranda: | ||
| Average total assets | $733,020,500 | 952 |
| Average earning assets | $671,128,000 | 950 |
| Average equity | $64,362,500 | 1,057 |
| Average total loans | $583,598,000 | 853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6638% | 302 |
| Cost of funding earning assets | 3.0366% | 1,725 |
| Net interest margin | 4.6273% | 1,103 |
| Noninterest income to average assets | 0.8934% | 1,982 |
| Noninterest expense to average assets | 3.3388% | 2,844 |
| Loan and lease loss provision to assets | 0.5905% | 2,460 |
| Net operating income to assets | 0.7363% | 3,736 |
| Return on assets (ROA) | 0.7361% | 3,571 |
| Pretax return on assets | 1.2011% | 2,633 |
| Return on Equity (ROE) | 8.3682% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.3682% | 741 |
| Net charge-offs to loans | 0.5620% | 2,130 |
| Credit loss provision to net charge-offs | 120.8091% | 4,446 |
| Earnings coverage of net charge-offs (x) | 3.6659% | 4,263 |
| Efficiency ratio | 65.0742% | 5,307 |
| Assets per employee ($millions) | 3.2399% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,513 |
| Loan loss allowance to noncurrent loans | 111.7880% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 2,671 |
| Noncurrent loans to loans | 1.3751% | 3,771 |
| Net loans and leases to total assets | 79.6788% | 1,730 |
| Net loans and leases to deposits | 97.4418% | 2,210 |
| Net loans and leases to core deposits | 149.7420% | 870 |
| Total domestic deposits to total assets | 81.7707% | 4,287 |
| Equity capital to assets | 8.8625% | 5,548 |
| Core capital (leverage) ratio | 8.9188% | 4,860 |
| Tier 1 risk-based capital ratio | 10.0603% | 6,676 |
| Total risk-based capital ratio | 11.3125% | 6,547 |
| Memoranda: | ||
| Average total assets | $702,915,400 | 953 |
| Average earning assets | $643,686,200 | 941 |
| Average equity | $61,829,400 | 1,086 |
| Average total loans | $611,406,000 | 783 |