Home > Northland Financial > Performance and Condition Ratios
Northland Financial, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5967% | 6,249 |
| Cost of funding earning assets | 0.0464% | 6,199 |
| Net interest margin | 0.5504% | 6,248 |
| Noninterest income to average assets | 0.0480% | 6,105 |
| Noninterest expense to average assets | 0.4508% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1096% | 5,836 |
| Return on assets (ROA) | 0.1247% | 5,854 |
| Pretax return on assets | 0.1247% | 5,870 |
| Return on Equity (ROE) | 1.3205% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.3205% | 5,189 |
| Net charge-offs to loans | 0.0086% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.0038% | 2,145 |
| Efficiency ratio | 80.4401% | 1,594 |
| Assets per employee ($millions) | 5.0476% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0088% | 6,209 |
| Loan loss allowance to noncurrent loans | 3.7838% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 5,000 |
| Noncurrent loans to loans | 0.2338% | 4,732 |
| Net loans and leases to total assets | 80.3845% | 764 |
| Net loans and leases to deposits | 92.9086% | 1,317 |
| Net loans and leases to core deposits | 102.9089% | 1,307 |
| Total domestic deposits to total assets | 86.5200% | 2,270 |
| Equity capital to assets | 12.1592% | 1,992 |
| Core capital (leverage) ratio | 9.8264% | 3,870 |
| Tier 1 risk-based capital ratio | 11.7120% | 5,260 |
| Total risk-based capital ratio | 11.7209% | 5,830 |
| Memoranda: | ||
| Average total assets | $194,603,500 | 3,023 |
| Average earning assets | $181,211,750 | 3,007 |
| Average equity | $18,376,750 | 3,355 |
| Average total loans | $155,370,750 | 2,539 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 320 |
| Cost of funding earning assets | 0.4709% | 2,508 |
| Net interest margin | 4.9046% | 297 |
| Noninterest income to average assets | 0.5561% | 3,001 |
| Noninterest expense to average assets | 3.2509% | 1,843 |
| Loan and lease loss provision to assets | 0.0310% | 3,507 |
| Net operating income to assets | 1.8736% | 449 |
| Return on assets (ROA) | 1.8736% | 467 |
| Pretax return on assets | 1.8736% | 779 |
| Return on Equity (ROE) | 21.9806% | 196 |
| Retained earnings to average equity (ytd only) | 21.9806% | 64 |
| Net charge-offs to loans | -0.0272% | 5,286 |
| Credit loss provision to net charge-offs | -142.8571% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0578% | 4,509 |
| Assets per employee ($millions) | 4.4308% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 3,071 |
| Loan loss allowance to noncurrent loans | 407.4510% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,795 |
| Noncurrent loans to loans | 0.3268% | 4,523 |
| Net loans and leases to total assets | 80.8238% | 696 |
| Net loans and leases to deposits | 91.4652% | 1,431 |
| Net loans and leases to core deposits | 100.1496% | 1,480 |
| Total domestic deposits to total assets | 88.3657% | 1,458 |
| Equity capital to assets | 9.1186% | 5,124 |
| Core capital (leverage) ratio | 9.0179% | 4,947 |
| Tier 1 risk-based capital ratio | 10.9651% | 5,727 |
| Total risk-based capital ratio | 12.2158% | 5,643 |
| Memoranda: | ||
| Average total assets | $193,853,000 | 3,050 |
| Average earning assets | $181,788,000 | 3,029 |
| Average equity | $16,523,670 | 3,638 |
| Average total loans | $154,409,330 | 2,562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 347 |
| Cost of funding earning assets | 0.4984% | 2,295 |
| Net interest margin | 4.8130% | 344 |
| Noninterest income to average assets | 0.6015% | 2,641 |
| Noninterest expense to average assets | 3.3184% | 1,675 |
| Loan and lease loss provision to assets | 0.0614% | 2,700 |
| Net operating income to assets | 1.7062% | 581 |
| Return on assets (ROA) | 1.7062% | 609 |
| Pretax return on assets | 1.7062% | 1,038 |
| Return on Equity (ROE) | 20.7218% | 240 |
| Retained earnings to average equity (ytd only) | 20.7218% | 90 |
| Net charge-offs to loans | -0.0833% | 5,770 |
| Credit loss provision to net charge-offs | -93.7500% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2454% | 4,281 |
| Assets per employee ($millions) | 4.2817% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,903 |
| Loan loss allowance to noncurrent loans | 607.2674% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 5,239 |
| Noncurrent loans to loans | 0.2310% | 4,948 |
| Net loans and leases to total assets | 74.5354% | 1,421 |
| Net loans and leases to deposits | 82.1742% | 2,324 |
| Net loans and leases to core deposits | 87.7301% | 2,356 |
| Total domestic deposits to total assets | 90.7042% | 467 |
| Equity capital to assets | 8.3834% | 5,818 |
| Core capital (leverage) ratio | 8.3598% | 5,675 |
| Tier 1 risk-based capital ratio | 10.7623% | 5,911 |
| Total risk-based capital ratio | 12.0138% | 5,837 |
| Memoranda: | ||
| Average total assets | $195,518,000 | 3,053 |
| Average earning assets | $182,172,000 | 3,043 |
| Average equity | $16,099,000 | 3,733 |
| Average total loans | $153,581,000 | 2,571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 459 |
| Cost of funding earning assets | 0.7046% | 1,080 |
| Net interest margin | 4.5704% | 654 |
| Noninterest income to average assets | 0.4568% | 3,792 |
| Noninterest expense to average assets | 3.1287% | 2,426 |
| Loan and lease loss provision to assets | 0.0614% | 3,288 |
| Net operating income to assets | 1.5833% | 731 |
| Return on assets (ROA) | 1.5833% | 768 |
| Pretax return on assets | 1.5843% | 1,284 |
| Return on Equity (ROE) | 19.2394% | 298 |
| Retained earnings to average equity (ytd only) | 4.3058% | 3,126 |
| Net charge-offs to loans | 0.0387% | 4,054 |
| Credit loss provision to net charge-offs | 203.3898% | 1,212 |
| Earnings coverage of net charge-offs (x) | 54.4746% | 858 |
| Efficiency ratio | 65.5298% | 4,323 |
| Assets per employee ($millions) | 4.3128% | 3,344 |
| Cash dividends to net income (ytd only)* | 77.6197% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 3,539 |
| Loan loss allowance to noncurrent loans | 460.6818% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 5,102 |
| Noncurrent loans to loans | 0.2780% | 4,858 |
| Net loans and leases to total assets | 80.5051% | 668 |
| Net loans and leases to deposits | 91.0389% | 1,398 |
| Net loans and leases to core deposits | 97.1648% | 1,623 |
| Total domestic deposits to total assets | 88.4293% | 1,550 |
| Equity capital to assets | 8.0824% | 6,021 |
| Core capital (leverage) ratio | 7.9026% | 6,051 |
| Tier 1 risk-based capital ratio | 9.4758% | 6,353 |
| Total risk-based capital ratio | 10.7251% | 6,336 |
| Memoranda: | ||
| Average total assets | $195,289,400 | 3,050 |
| Average earning assets | $184,491,600 | 2,981 |
| Average equity | $16,071,200 | 3,655 |
| Average total loans | $152,522,800 | 2,539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 504 |
| Cost of funding earning assets | 0.7430% | 927 |
| Net interest margin | 4.4727% | 789 |
| Noninterest income to average assets | 0.4438% | 3,931 |
| Noninterest expense to average assets | 2.9980% | 2,806 |
| Loan and lease loss provision to assets | 0.0614% | 3,132 |
| Net operating income to assets | 1.6149% | 724 |
| Return on assets (ROA) | 1.6149% | 754 |
| Pretax return on assets | 1.6149% | 1,281 |
| Return on Equity (ROE) | 19.5367% | 309 |
| Retained earnings to average equity (ytd only) | 19.5367% | 73 |
| Net charge-offs to loans | -0.0035% | 5,245 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1388% | 4,516 |
| Assets per employee ($millions) | 4.2748% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 3,771 |
| Loan loss allowance to noncurrent loans | 412.8257% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 5,211 |
| Noncurrent loans to loans | 0.3091% | 4,983 |
| Net loans and leases to total assets | 81.0399% | 602 |
| Net loans and leases to deposits | 93.1460% | 1,112 |
| Net loans and leases to core deposits | 98.7201% | 1,470 |
| Total domestic deposits to total assets | 87.0031% | 2,320 |
| Equity capital to assets | 8.8685% | 5,494 |
| Core capital (leverage) ratio | 8.7443% | 5,389 |
| Tier 1 risk-based capital ratio | 10.3660% | 6,247 |
| Total risk-based capital ratio | 11.6158% | 6,208 |
| Memoranda: | ||
| Average total assets | $195,592,750 | 3,064 |
| Average earning assets | $185,001,250 | 3,002 |
| Average equity | $16,167,500 | 3,666 |
| Average total loans | $151,086,500 | 2,561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 615 |
| Cost of funding earning assets | 0.7950% | 728 |
| Net interest margin | 4.3082% | 1,006 |
| Noninterest income to average assets | 0.3831% | 4,380 |
| Noninterest expense to average assets | 2.9266% | 3,079 |
| Loan and lease loss provision to assets | 0.0615% | 3,037 |
| Net operating income to assets | 1.4638% | 941 |
| Return on assets (ROA) | 1.4638% | 981 |
| Pretax return on assets | 1.4638% | 1,659 |
| Return on Equity (ROE) | 18.1533% | 445 |
| Retained earnings to average equity (ytd only) | 18.1533% | 120 |
| Net charge-offs to loans | -0.0352% | 5,742 |
| Credit loss provision to net charge-offs | -230.7692% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7386% | 4,399 |
| Assets per employee ($millions) | 4.2608% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 3,738 |
| Loan loss allowance to noncurrent loans | 247.8261% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 4,668 |
| Noncurrent loans to loans | 0.5339% | 4,409 |
| Net loans and leases to total assets | 76.4185% | 1,115 |
| Net loans and leases to deposits | 84.1897% | 2,019 |
| Net loans and leases to core deposits | 88.9278% | 2,216 |
| Total domestic deposits to total assets | 90.7695% | 482 |
| Equity capital to assets | 8.2463% | 5,995 |
| Core capital (leverage) ratio | 8.1498% | 5,983 |
| Tier 1 risk-based capital ratio | 10.1308% | 6,355 |
| Total risk-based capital ratio | 11.3815% | 6,317 |
| Memoranda: | ||
| Average total assets | $195,244,000 | 3,087 |
| Average earning assets | $184,392,330 | 3,021 |
| Average equity | $15,743,670 | 3,734 |
| Average total loans | $147,643,330 | 2,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 679 |
| Cost of funding earning assets | 0.8174% | 679 |
| Net interest margin | 4.2122% | 1,184 |
| Noninterest income to average assets | 0.3341% | 4,701 |
| Noninterest expense to average assets | 2.9117% | 3,168 |
| Loan and lease loss provision to assets | 0.0623% | 2,872 |
| Net operating income to assets | 1.3386% | 1,126 |
| Return on assets (ROA) | 1.3386% | 1,169 |
| Pretax return on assets | 1.3386% | 1,965 |
| Return on Equity (ROE) | 16.7985% | 555 |
| Retained earnings to average equity (ytd only) | 16.7985% | 230 |
| Net charge-offs to loans | -0.0278% | 5,517 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5168% | 4,267 |
| Assets per employee ($millions) | 4.2499% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,541 |
| Loan loss allowance to noncurrent loans | 223.3853% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 4,661 |
| Noncurrent loans to loans | 0.6323% | 4,281 |
| Net loans and leases to total assets | 71.6224% | 1,627 |
| Net loans and leases to deposits | 78.7150% | 2,458 |
| Net loans and leases to core deposits | 83.3526% | 2,591 |
| Total domestic deposits to total assets | 90.9896% | 571 |
| Equity capital to assets | 8.0135% | 6,050 |
| Core capital (leverage) ratio | 7.8865% | 6,184 |
| Tier 1 risk-based capital ratio | 10.4705% | 6,343 |
| Total risk-based capital ratio | 11.7218% | 6,304 |
| Memoranda: | ||
| Average total assets | $192,736,500 | 3,129 |
| Average earning assets | $182,042,500 | 3,073 |
| Average equity | $15,358,500 | 3,800 |
| Average total loans | $143,921,500 | 2,680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 624 |
| Cost of funding earning assets | 0.8778% | 832 |
| Net interest margin | 4.3329% | 1,027 |
| Noninterest income to average assets | 0.3861% | 4,545 |
| Noninterest expense to average assets | 3.0480% | 2,905 |
| Loan and lease loss provision to assets | 0.1646% | 2,217 |
| Net operating income to assets | 1.2358% | 1,433 |
| Return on assets (ROA) | 1.2358% | 1,496 |
| Pretax return on assets | 1.2479% | 2,375 |
| Return on Equity (ROE) | 15.0998% | 743 |
| Retained earnings to average equity (ytd only) | 2.2105% | 4,675 |
| Net charge-offs to loans | 0.1140% | 3,678 |
| Credit loss provision to net charge-offs | 190.2439% | 1,201 |
| Earnings coverage of net charge-offs (x) | 16.3293% | 1,809 |
| Efficiency ratio | 68.3339% | 4,137 |
| Assets per employee ($millions) | 4.1299% | 3,578 |
| Cash dividends to net income (ytd only)* | 85.3606% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,900 |
| Loan loss allowance to noncurrent loans | 201.6410% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 4,670 |
| Noncurrent loans to loans | 0.6686% | 4,303 |
| Net loans and leases to total assets | 75.7207% | 1,116 |
| Net loans and leases to deposits | 83.1250% | 2,041 |
| Net loans and leases to core deposits | 88.2766% | 2,213 |
| Total domestic deposits to total assets | 91.0926% | 539 |
| Equity capital to assets | 7.9225% | 6,074 |
| Core capital (leverage) ratio | 7.7844% | 6,252 |
| Tier 1 risk-based capital ratio | 9.8018% | 6,559 |
| Total risk-based capital ratio | 11.0528% | 6,523 |
| Memoranda: | ||
| Average total assets | $189,598,400 | 3,165 |
| Average earning assets | $178,288,000 | 3,094 |
| Average equity | $15,516,800 | 3,782 |
| Average total loans | $143,815,200 | 2,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 719 |
| Cost of funding earning assets | 0.8850% | 882 |
| Net interest margin | 4.2593% | 1,188 |
| Noninterest income to average assets | 0.3215% | 5,115 |
| Noninterest expense to average assets | 2.9747% | 3,067 |
| Loan and lease loss provision to assets | 0.1646% | 2,201 |
| Net operating income to assets | 1.1750% | 1,723 |
| Return on assets (ROA) | 1.1750% | 1,792 |
| Pretax return on assets | 1.1912% | 2,742 |
| Return on Equity (ROE) | 14.2428% | 941 |
| Retained earnings to average equity (ytd only) | 14.2428% | 238 |
| Net charge-offs to loans | 0.0251% | 4,621 |
| Credit loss provision to net charge-offs | 866.6667% | 347 |
| Earnings coverage of net charge-offs (x) | 71.3686% | 656 |
| Efficiency ratio | 68.6921% | 3,961 |
| Assets per employee ($millions) | 4.0839% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,024 |
| Loan loss allowance to noncurrent loans | 155.8891% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 3,973 |
| Noncurrent loans to loans | 0.8796% | 4,059 |
| Net loans and leases to total assets | 77.5330% | 801 |
| Net loans and leases to deposits | 86.0390% | 1,610 |
| Net loans and leases to core deposits | 92.9840% | 1,673 |
| Total domestic deposits to total assets | 90.1138% | 929 |
| Equity capital to assets | 8.7422% | 5,476 |
| Core capital (leverage) ratio | 8.5445% | 5,731 |
| Tier 1 risk-based capital ratio | 10.5830% | 6,426 |
| Total risk-based capital ratio | 11.8343% | 6,398 |
| Memoranda: | ||
| Average total assets | $189,503,750 | 3,190 |
| Average earning assets | $178,367,500 | 3,118 |
| Average equity | $15,633,250 | 3,806 |
| Average total loans | $143,314,500 | 2,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 823 |
| Cost of funding earning assets | 0.8997% | 901 |
| Net interest margin | 4.1661% | 1,360 |
| Noninterest income to average assets | 0.3241% | 5,111 |
| Noninterest expense to average assets | 2.9813% | 3,058 |
| Loan and lease loss provision to assets | 0.1642% | 2,277 |
| Net operating income to assets | 1.0723% | 2,028 |
| Return on assets (ROA) | 1.0723% | 2,142 |
| Pretax return on assets | 1.0965% | 3,107 |
| Return on Equity (ROE) | 13.2596% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.2596% | 352 |
| Net charge-offs to loans | 0.0550% | 3,913 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 30.7179% | 1,127 |
| Efficiency ratio | 70.2803% | 3,775 |
| Assets per employee ($millions) | 4.0554% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,250 |
| Loan loss allowance to noncurrent loans | 173.2319% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 4,305 |
| Noncurrent loans to loans | 0.7814% | 4,350 |
| Net loans and leases to total assets | 75.5883% | 1,032 |
| Net loans and leases to deposits | 83.5387% | 1,864 |
| Net loans and leases to core deposits | 89.9000% | 1,916 |
| Total domestic deposits to total assets | 90.4830% | 765 |
| Equity capital to assets | 8.4299% | 5,840 |
| Core capital (leverage) ratio | 8.2834% | 5,901 |
| Tier 1 risk-based capital ratio | 10.5020% | 6,503 |
| Total risk-based capital ratio | 11.7526% | 6,477 |
| Memoranda: | ||
| Average total assets | $190,052,330 | 3,193 |
| Average earning assets | $178,726,330 | 3,135 |
| Average equity | $15,370,000 | 3,877 |
| Average total loans | $141,860,330 | 2,691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 787 |
| Cost of funding earning assets | 0.9100% | 943 |
| Net interest margin | 4.1627% | 1,297 |
| Noninterest income to average assets | 0.2899% | 5,383 |
| Noninterest expense to average assets | 2.8550% | 3,522 |
| Loan and lease loss provision to assets | 0.1627% | 2,235 |
| Net operating income to assets | 1.0970% | 1,862 |
| Return on assets (ROA) | 1.0970% | 1,972 |
| Pretax return on assets | 1.1741% | 2,670 |
| Return on Equity (ROE) | 13.8494% | 987 |
| Retained earnings to average equity (ytd only) | 13.8494% | 464 |
| Net charge-offs to loans | 0.0849% | 2,993 |
| Credit loss provision to net charge-offs | 260.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 21.3667% | 1,158 |
| Efficiency ratio | 68.1095% | 4,288 |
| Assets per employee ($millions) | 4.1546% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,378 |
| Loan loss allowance to noncurrent loans | 181.8713% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 4,624 |
| Noncurrent loans to loans | 0.7534% | 4,622 |
| Net loans and leases to total assets | 70.2836% | 1,615 |
| Net loans and leases to deposits | 77.3562% | 2,441 |
| Net loans and leases to core deposits | 83.4274% | 2,402 |
| Total domestic deposits to total assets | 90.8571% | 589 |
| Equity capital to assets | 8.0854% | 6,337 |
| Core capital (leverage) ratio | 7.8605% | 6,248 |
| Tier 1 risk-based capital ratio | 10.6652% | 6,534 |
| Total risk-based capital ratio | 11.9164% | 6,496 |
| Memoranda: | ||
| Average total assets | $191,803,500 | 3,200 |
| Average earning assets | $179,785,000 | 3,151 |
| Average equity | $15,192,000 | 3,956 |
| Average total loans | $141,318,000 | 2,705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8064% | 362 |
| Cost of funding earning assets | 1.1681% | 669 |
| Net interest margin | 4.6383% | 730 |
| Noninterest income to average assets | 0.2790% | 5,469 |
| Noninterest expense to average assets | 3.0441% | 3,113 |
| Loan and lease loss provision to assets | 0.2059% | 3,082 |
| Net operating income to assets | 1.1752% | 1,678 |
| Return on assets (ROA) | 1.1778% | 1,838 |
| Pretax return on assets | 1.2575% | 2,583 |
| Return on Equity (ROE) | 14.2710% | 947 |
| Retained earnings to average equity (ytd only) | 4.3468% | 3,168 |
| Net charge-offs to loans | 0.1818% | 3,920 |
| Credit loss provision to net charge-offs | 149.6032% | 1,826 |
| Earnings coverage of net charge-offs (x) | 10.6151% | 2,125 |
| Efficiency ratio | 67.5758% | 4,220 |
| Assets per employee ($millions) | 4.3749% | 3,203 |
| Cash dividends to net income (ytd only)* | 69.5410% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,921 |
| Loan loss allowance to noncurrent loans | 167.7122% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 4,667 |
| Noncurrent loans to loans | 0.7402% | 4,699 |
| Net loans and leases to total assets | 75.1352% | 1,028 |
| Net loans and leases to deposits | 82.3477% | 1,956 |
| Net loans and leases to core deposits | 88.2565% | 2,058 |
| Total domestic deposits to total assets | 91.2414% | 416 |
| Equity capital to assets | 7.7570% | 6,522 |
| Core capital (leverage) ratio | 7.8559% | 6,308 |
| Tier 1 risk-based capital ratio | 9.7157% | 6,767 |
| Total risk-based capital ratio | 10.9475% | 6,749 |
| Memoranda: | ||
| Average total assets | $183,140,000 | 3,271 |
| Average earning assets | $166,850,000 | 3,273 |
| Average equity | $15,114,600 | 3,941 |
| Average total loans | $138,634,400 | 2,731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 298 |
| Cost of funding earning assets | 1.2284% | 607 |
| Net interest margin | 4.7230% | 640 |
| Noninterest income to average assets | 0.2935% | 5,423 |
| Noninterest expense to average assets | 2.9830% | 3,292 |
| Loan and lease loss provision to assets | 0.2087% | 2,985 |
| Net operating income to assets | 1.2900% | 1,469 |
| Return on assets (ROA) | 1.2935% | 1,605 |
| Pretax return on assets | 1.3783% | 2,311 |
| Return on Equity (ROE) | 15.4259% | 831 |
| Retained earnings to average equity (ytd only) | 15.4259% | 213 |
| Net charge-offs to loans | 0.0244% | 5,326 |
| Credit loss provision to net charge-offs | 1,132.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 85.8866% | 482 |
| Efficiency ratio | 65.3262% | 4,570 |
| Assets per employee ($millions) | 4.1503% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,618 |
| Loan loss allowance to noncurrent loans | 103.7214% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 4,217 |
| Noncurrent loans to loans | 1.2946% | 3,875 |
| Net loans and leases to total assets | 78.4992% | 672 |
| Net loans and leases to deposits | 87.2536% | 1,448 |
| Net loans and leases to core deposits | 92.6195% | 1,716 |
| Total domestic deposits to total assets | 89.9667% | 862 |
| Equity capital to assets | 8.8505% | 5,980 |
| Core capital (leverage) ratio | 8.4677% | 5,797 |
| Tier 1 risk-based capital ratio | 10.3168% | 6,725 |
| Total risk-based capital ratio | 11.5672% | 6,697 |
| Memoranda: | ||
| Average total assets | $180,800,750 | 3,337 |
| Average earning assets | $163,563,000 | 3,356 |
| Average equity | $15,160,250 | 3,960 |
| Average total loans | $136,680,250 | 2,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 300 |
| Cost of funding earning assets | 1.2813% | 571 |
| Net interest margin | 4.7020% | 671 |
| Noninterest income to average assets | 0.2952% | 5,443 |
| Noninterest expense to average assets | 3.0178% | 3,191 |
| Loan and lease loss provision to assets | 0.2098% | 2,982 |
| Net operating income to assets | 1.1824% | 1,776 |
| Return on assets (ROA) | 1.1876% | 1,954 |
| Pretax return on assets | 1.2642% | 2,672 |
| Return on Equity (ROE) | 14.4338% | 1,025 |
| Retained earnings to average equity (ytd only) | 14.4338% | 312 |
| Net charge-offs to loans | 0.0224% | 5,086 |
| Credit loss provision to net charge-offs | 1,260.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 88.2000% | 471 |
| Efficiency ratio | 67.2687% | 4,278 |
| Assets per employee ($millions) | 4.0762% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,735 |
| Loan loss allowance to noncurrent loans | 122.9098% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 4,658 |
| Noncurrent loans to loans | 1.0836% | 4,357 |
| Net loans and leases to total assets | 77.1214% | 827 |
| Net loans and leases to deposits | 85.4485% | 1,662 |
| Net loans and leases to core deposits | 90.4282% | 1,942 |
| Total domestic deposits to total assets | 90.2549% | 790 |
| Equity capital to assets | 8.5815% | 6,133 |
| Core capital (leverage) ratio | 8.0483% | 6,222 |
| Tier 1 risk-based capital ratio | 10.1441% | 6,786 |
| Total risk-based capital ratio | 11.3948% | 6,772 |
| Memoranda: | ||
| Average total assets | $180,197,000 | 3,353 |
| Average earning assets | $160,614,000 | 3,412 |
| Average equity | $14,826,330 | 4,024 |
| Average total loans | $133,807,000 | 2,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0050% | 301 |
| Cost of funding earning assets | 1.3651% | 478 |
| Net interest margin | 4.6399% | 761 |
| Noninterest income to average assets | 0.2901% | 5,548 |
| Noninterest expense to average assets | 2.8834% | 3,690 |
| Loan and lease loss provision to assets | 0.2082% | 2,867 |
| Net operating income to assets | 1.1449% | 1,899 |
| Return on assets (ROA) | 1.1449% | 2,082 |
| Pretax return on assets | 1.2180% | 2,844 |
| Return on Equity (ROE) | 14.2189% | 1,140 |
| Retained earnings to average equity (ytd only) | 14.2189% | 541 |
| Net charge-offs to loans | -0.0214% | 6,205 |
| Credit loss provision to net charge-offs | -1,342.8571% | 5,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9065% | 4,374 |
| Assets per employee ($millions) | 4.1905% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,604 |
| Loan loss allowance to noncurrent loans | 136.7378% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 5,097 |
| Noncurrent loans to loans | 1.0252% | 4,632 |
| Net loans and leases to total assets | 68.4344% | 2,034 |
| Net loans and leases to deposits | 75.2657% | 2,932 |
| Net loans and leases to core deposits | 79.1951% | 3,155 |
| Total domestic deposits to total assets | 90.9237% | 591 |
| Equity capital to assets | 8.0426% | 6,495 |
| Core capital (leverage) ratio | 7.8888% | 6,341 |
| Tier 1 risk-based capital ratio | 10.6569% | 6,690 |
| Total risk-based capital ratio | 11.9080% | 6,671 |
| Memoranda: | ||
| Average total assets | $180,620,000 | 3,368 |
| Average earning assets | $156,469,000 | 3,503 |
| Average equity | $14,544,000 | 4,084 |
| Average total loans | $130,618,000 | 2,930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 331 |
| Cost of funding earning assets | 1.5212% | 660 |
| Net interest margin | 4.6436% | 844 |
| Noninterest income to average assets | 0.3049% | 5,357 |
| Noninterest expense to average assets | 3.1766% | 2,946 |
| Loan and lease loss provision to assets | 0.2923% | 3,321 |
| Net operating income to assets | 1.0851% | 1,879 |
| Return on assets (ROA) | 1.0851% | 2,008 |
| Pretax return on assets | 1.1283% | 2,728 |
| Return on Equity (ROE) | 13.0297% | 1,160 |
| Retained earnings to average equity (ytd only) | 6.5437% | 1,722 |
| Net charge-offs to loans | 0.5341% | 2,869 |
| Credit loss provision to net charge-offs | 71.7231% | 4,785 |
| Earnings coverage of net charge-offs (x) | 3.4860% | 3,503 |
| Efficiency ratio | 69.0992% | 4,131 |
| Assets per employee ($millions) | 4.0195% | 3,809 |
| Cash dividends to net income (ytd only)* | 49.7788% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 5,059 |
| Loan loss allowance to noncurrent loans | 168.4577% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 5,509 |
| Noncurrent loans to loans | 0.7542% | 5,188 |
| Net loans and leases to total assets | 74.3920% | 1,200 |
| Net loans and leases to deposits | 81.8444% | 2,219 |
| Net loans and leases to core deposits | 86.3093% | 2,594 |
| Total domestic deposits to total assets | 90.8944% | 544 |
| Equity capital to assets | 8.0624% | 6,529 |
| Core capital (leverage) ratio | 8.0579% | 6,196 |
| Tier 1 risk-based capital ratio | 10.0754% | 6,838 |
| Total risk-based capital ratio | 11.3220% | 6,824 |
| Memoranda: | ||
| Average total assets | $166,625,200 | 3,545 |
| Average earning assets | $154,019,800 | 3,509 |
| Average equity | $13,876,000 | 4,133 |
| Average total loans | $127,125,200 | 3,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 320 |
| Cost of funding earning assets | 1.5748% | 653 |
| Net interest margin | 4.6338% | 885 |
| Noninterest income to average assets | 0.3446% | 5,105 |
| Noninterest expense to average assets | 3.1881% | 2,857 |
| Loan and lease loss provision to assets | 0.2633% | 3,402 |
| Net operating income to assets | 1.1645% | 1,764 |
| Return on assets (ROA) | 1.1645% | 1,879 |
| Pretax return on assets | 1.2092% | 2,599 |
| Return on Equity (ROE) | 13.8649% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.8649% | 302 |
| Net charge-offs to loans | 0.5680% | 2,538 |
| Credit loss provision to net charge-offs | 60.5607% | 4,793 |
| Earnings coverage of net charge-offs (x) | 3.3869% | 3,459 |
| Efficiency ratio | 68.4045% | 4,235 |
| Assets per employee ($millions) | 3.7952% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 5,085 |
| Loan loss allowance to noncurrent loans | 141.3851% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 5,335 |
| Noncurrent loans to loans | 0.9077% | 5,050 |
| Net loans and leases to total assets | 77.1099% | 825 |
| Net loans and leases to deposits | 85.7541% | 1,716 |
| Net loans and leases to core deposits | 92.7107% | 1,914 |
| Total domestic deposits to total assets | 89.9197% | 908 |
| Equity capital to assets | 8.8557% | 5,911 |
| Core capital (leverage) ratio | 8.5824% | 5,583 |
| Tier 1 risk-based capital ratio | 10.6831% | 6,713 |
| Total risk-based capital ratio | 11.9335% | 6,692 |
| Memoranda: | ||
| Average total assets | $164,066,750 | 3,604 |
| Average earning assets | $152,816,000 | 3,553 |
| Average equity | $13,780,250 | 4,170 |
| Average total loans | $125,591,000 | 3,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0689% | 414 |
| Cost of funding earning assets | 1.5844% | 747 |
| Net interest margin | 4.4845% | 1,174 |
| Noninterest income to average assets | 0.3851% | 4,795 |
| Noninterest expense to average assets | 3.2472% | 2,732 |
| Loan and lease loss provision to assets | 0.2649% | 3,281 |
| Net operating income to assets | 1.0056% | 2,206 |
| Return on assets (ROA) | 1.0056% | 2,303 |
| Pretax return on assets | 1.0485% | 3,047 |
| Return on Equity (ROE) | 12.1985% | 1,438 |
| Retained earnings to average equity (ytd only) | 12.1985% | 499 |
| Net charge-offs to loans | 0.5614% | 2,425 |
| Credit loss provision to net charge-offs | 62.0690% | 4,298 |
| Earnings coverage of net charge-offs (x) | 3.0776% | 3,311 |
| Efficiency ratio | 71.2019% | 3,902 |
| Assets per employee ($millions) | 3.7600% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 4,638 |
| Loan loss allowance to noncurrent loans | 100.2287% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 4,624 |
| Noncurrent loans to loans | 1.3837% | 4,334 |
| Net loans and leases to total assets | 75.3433% | 1,181 |
| Net loans and leases to deposits | 83.4832% | 2,183 |
| Net loans and leases to core deposits | 90.2488% | 2,343 |
| Total domestic deposits to total assets | 90.2496% | 838 |
| Equity capital to assets | 8.5004% | 6,183 |
| Core capital (leverage) ratio | 8.2633% | 5,926 |
| Tier 1 risk-based capital ratio | 10.5706% | 6,764 |
| Total risk-based capital ratio | 11.8217% | 6,758 |
| Memoranda: | ||
| Average total assets | $163,092,670 | 3,629 |
| Average earning assets | $151,855,000 | 3,598 |
| Average equity | $13,444,330 | 4,242 |
| Average total loans | $123,975,000 | 3,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0800% | 414 |
| Cost of funding earning assets | 1.6096% | 786 |
| Net interest margin | 4.4703% | 1,130 |
| Noninterest income to average assets | 0.3928% | 4,765 |
| Noninterest expense to average assets | 3.1250% | 3,159 |
| Loan and lease loss provision to assets | 0.2668% | 3,009 |
| Net operating income to assets | 1.1141% | 1,790 |
| Return on assets (ROA) | 1.1141% | 1,841 |
| Pretax return on assets | 1.1586% | 2,518 |
| Return on Equity (ROE) | 13.7343% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.7343% | 500 |
| Net charge-offs to loans | -0.0163% | 6,505 |
| Credit loss provision to net charge-offs | -2,160.0000% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6754% | 4,523 |
| Assets per employee ($millions) | 3.6991% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 3,537 |
| Loan loss allowance to noncurrent loans | 125.3450% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,706 |
| Noncurrent loans to loans | 1.3142% | 4,505 |
| Net loans and leases to total assets | 73.2921% | 1,459 |
| Net loans and leases to deposits | 80.9175% | 2,541 |
| Net loans and leases to core deposits | 88.0169% | 2,599 |
| Total domestic deposits to total assets | 90.5764% | 809 |
| Equity capital to assets | 8.2274% | 6,252 |
| Core capital (leverage) ratio | 8.1724% | 6,012 |
| Tier 1 risk-based capital ratio | 10.7073% | 6,685 |
| Total risk-based capital ratio | 11.9622% | 6,670 |
| Memoranda: | ||
| Average total assets | $161,919,000 | 3,671 |
| Average earning assets | $150,593,000 | 3,628 |
| Average equity | $13,135,000 | 4,306 |
| Average total loans | $122,762,000 | 3,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3102% | 452 |
| Cost of funding earning assets | 1.8293% | 1,061 |
| Net interest margin | 4.4808% | 1,275 |
| Noninterest income to average assets | 0.3832% | 5,035 |
| Noninterest expense to average assets | 3.1860% | 3,145 |
| Loan and lease loss provision to assets | 0.4512% | 3,420 |
| Net operating income to assets | 0.8873% | 2,439 |
| Return on assets (ROA) | 0.8873% | 2,573 |
| Pretax return on assets | 0.9232% | 3,184 |
| Return on Equity (ROE) | 10.8445% | 1,630 |
| Retained earnings to average equity (ytd only) | 3.1534% | 3,659 |
| Net charge-offs to loans | 0.4742% | 3,719 |
| Credit loss provision to net charge-offs | 123.8342% | 3,339 |
| Earnings coverage of net charge-offs (x) | 3.7720% | 3,195 |
| Efficiency ratio | 69.8634% | 4,203 |
| Assets per employee ($millions) | 3.5795% | 4,754 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 3,914 |
| Loan loss allowance to noncurrent loans | 163.2035% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,568 |
| Noncurrent loans to loans | 0.9297% | 5,188 |
| Net loans and leases to total assets | 75.9575% | 1,280 |
| Net loans and leases to deposits | 83.6072% | 2,513 |
| Net loans and leases to core deposits | 90.8261% | 2,643 |
| Total domestic deposits to total assets | 90.8503% | 671 |
| Equity capital to assets | 7.9956% | 6,503 |
| Core capital (leverage) ratio | 7.8854% | 6,339 |
| Tier 1 risk-based capital ratio | 10.0577% | 6,953 |
| Total risk-based capital ratio | 11.3103% | 6,939 |
| Memoranda: | ||
| Average total assets | $158,912,000 | 3,720 |
| Average earning assets | $148,142,000 | 3,658 |
| Average equity | $13,002,000 | 4,361 |
| Average total loans | $122,104,600 | 3,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2604% | 548 |
| Cost of funding earning assets | 1.8690% | 1,142 |
| Net interest margin | 4.3914% | 1,552 |
| Noninterest income to average assets | 0.3721% | 5,175 |
| Noninterest expense to average assets | 3.1419% | 3,139 |
| Loan and lease loss provision to assets | 0.4597% | 3,177 |
| Net operating income to assets | 0.8326% | 2,871 |
| Return on assets (ROA) | 0.8326% | 3,005 |
| Pretax return on assets | 0.8671% | 3,676 |
| Return on Equity (ROE) | 10.1178% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.1178% | 764 |
| Net charge-offs to loans | 0.2490% | 4,443 |
| Credit loss provision to net charge-offs | 240.5286% | 1,405 |
| Earnings coverage of net charge-offs (x) | 6.9427% | 2,418 |
| Efficiency ratio | 70.3090% | 4,007 |
| Assets per employee ($millions) | 3.5626% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 3,194 |
| Loan loss allowance to noncurrent loans | 135.4754% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 5,191 |
| Noncurrent loans to loans | 1.2446% | 4,769 |
| Net loans and leases to total assets | 75.1414% | 1,563 |
| Net loans and leases to deposits | 83.3302% | 2,829 |
| Net loans and leases to core deposits | 92.5108% | 2,725 |
| Total domestic deposits to total assets | 90.1731% | 789 |
| Equity capital to assets | 8.5775% | 6,186 |
| Core capital (leverage) ratio | 8.3707% | 5,753 |
| Tier 1 risk-based capital ratio | 10.7445% | 6,595 |
| Total risk-based capital ratio | 11.9998% | 6,574 |
| Memoranda: | ||
| Average total assets | $158,370,750 | 3,791 |
| Average earning assets | $147,740,750 | 3,723 |
| Average equity | $13,032,750 | 4,429 |
| Average total loans | $121,572,000 | 3,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 610 |
| Cost of funding earning assets | 1.8945% | 1,261 |
| Net interest margin | 4.3150% | 1,718 |
| Noninterest income to average assets | 0.3842% | 5,045 |
| Noninterest expense to average assets | 3.1587% | 3,056 |
| Loan and lease loss provision to assets | 0.4755% | 2,935 |
| Net operating income to assets | 0.7456% | 3,214 |
| Return on assets (ROA) | 0.7456% | 3,364 |
| Pretax return on assets | 0.7760% | 3,964 |
| Return on Equity (ROE) | 9.1923% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.1923% | 1,052 |
| Net charge-offs to loans | 0.4074% | 3,353 |
| Credit loss provision to net charge-offs | 151.8219% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.9960% | 3,097 |
| Efficiency ratio | 71.6216% | 3,871 |
| Assets per employee ($millions) | 3.5290% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 3,761 |
| Loan loss allowance to noncurrent loans | 105.0420% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 4,884 |
| Noncurrent loans to loans | 1.4578% | 4,522 |
| Net loans and leases to total assets | 75.9203% | 1,504 |
| Net loans and leases to deposits | 83.9678% | 2,875 |
| Net loans and leases to core deposits | 93.2567% | 2,816 |
| Total domestic deposits to total assets | 90.4160% | 715 |
| Equity capital to assets | 8.3139% | 6,412 |
| Core capital (leverage) ratio | 8.0992% | 6,119 |
| Tier 1 risk-based capital ratio | 10.2657% | 6,862 |
| Total risk-based capital ratio | 11.5188% | 6,841 |
| Memoranda: | ||
| Average total assets | $157,722,670 | 3,832 |
| Average earning assets | $147,160,000 | 3,760 |
| Average equity | $12,793,330 | 4,484 |
| Average total loans | $121,253,000 | 3,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1370% | 727 |
| Cost of funding earning assets | 1.9182% | 1,379 |
| Net interest margin | 4.2189% | 1,965 |
| Noninterest income to average assets | 0.4199% | 4,734 |
| Noninterest expense to average assets | 3.0411% | 3,518 |
| Loan and lease loss provision to assets | 0.6642% | 1,910 |
| Net operating income to assets | 0.6184% | 3,813 |
| Return on assets (ROA) | 0.6184% | 3,950 |
| Pretax return on assets | 0.6438% | 4,438 |
| Return on Equity (ROE) | 7.7213% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.7213% | 1,829 |
| Net charge-offs to loans | 0.9448% | 1,708 |
| Credit loss provision to net charge-offs | 91.5789% | 3,632 |
| Earnings coverage of net charge-offs (x) | 1.8035% | 3,656 |
| Efficiency ratio | 69.9239% | 4,316 |
| Assets per employee ($millions) | 3.5270% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,072 |
| Loan loss allowance to noncurrent loans | 119.2388% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 5,336 |
| Noncurrent loans to loans | 1.2324% | 4,914 |
| Net loans and leases to total assets | 72.7907% | 2,265 |
| Net loans and leases to deposits | 80.6491% | 3,524 |
| Net loans and leases to core deposits | 91.1493% | 3,214 |
| Total domestic deposits to total assets | 90.2561% | 853 |
| Equity capital to assets | 7.9961% | 6,654 |
| Core capital (leverage) ratio | 8.0443% | 6,172 |
| Tier 1 risk-based capital ratio | 10.3941% | 6,722 |
| Total risk-based capital ratio | 11.6463% | 6,718 |
| Memoranda: | ||
| Average total assets | $157,181,000 | 3,890 |
| Average earning assets | $146,390,000 | 3,827 |
| Average equity | $12,588,500 | 4,564 |
| Average total loans | $120,659,000 | 3,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7601% | 409 |
| Cost of funding earning assets | 2.3235% | 1,572 |
| Net interest margin | 4.4366% | 1,329 |
| Noninterest income to average assets | 0.3894% | 5,299 |
| Noninterest expense to average assets | 3.2266% | 3,288 |
| Loan and lease loss provision to assets | 0.7364% | 2,906 |
| Net operating income to assets | 0.5461% | 3,546 |
| Return on assets (ROA) | 0.5467% | 3,629 |
| Pretax return on assets | 0.5672% | 3,998 |
| Return on Equity (ROE) | 6.6765% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.2454% | 2,888 |
| Net charge-offs to loans | 0.6848% | 3,134 |
| Credit loss provision to net charge-offs | 132.9356% | 3,758 |
| Earnings coverage of net charge-offs (x) | 2.3520% | 3,966 |
| Efficiency ratio | 71.2347% | 4,405 |
| Assets per employee ($millions) | 3.4588% | 5,108 |
| Cash dividends to net income (ytd only)* | 51.3906% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,193 |
| Loan loss allowance to noncurrent loans | 110.4997% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 5,084 |
| Noncurrent loans to loans | 1.2743% | 4,799 |
| Net loans and leases to total assets | 78.5869% | 1,264 |
| Net loans and leases to deposits | 87.6738% | 2,615 |
| Net loans and leases to core deposits | 116.1756% | 2,295 |
| Total domestic deposits to total assets | 89.6356% | 1,137 |
| Equity capital to assets | 8.0219% | 6,560 |
| Core capital (leverage) ratio | 8.0167% | 6,157 |
| Tier 1 risk-based capital ratio | 9.6153% | 7,148 |
| Total risk-based capital ratio | 10.8666% | 7,125 |
| Memoranda: | ||
| Average total assets | $151,275,400 | 3,935 |
| Average earning assets | $141,167,200 | 3,873 |
| Average equity | $12,386,800 | 4,658 |
| Average total loans | $122,376,000 | 3,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7647% | 452 |
| Cost of funding earning assets | 2.4057% | 1,617 |
| Net interest margin | 4.3591% | 1,565 |
| Noninterest income to average assets | 0.3729% | 5,530 |
| Noninterest expense to average assets | 3.3416% | 2,757 |
| Loan and lease loss provision to assets | 0.5886% | 3,028 |
| Net operating income to assets | 0.4954% | 4,005 |
| Return on assets (ROA) | 0.4963% | 4,097 |
| Pretax return on assets | 0.5167% | 4,468 |
| Return on Equity (ROE) | 6.0290% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.0290% | 1,934 |
| Net charge-offs to loans | 0.5466% | 3,050 |
| Credit loss provision to net charge-offs | 132.6000% | 3,772 |
| Earnings coverage of net charge-offs (x) | 2.4880% | 3,986 |
| Efficiency ratio | 75.1597% | 3,665 |
| Assets per employee ($millions) | 3.3388% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,259 |
| Loan loss allowance to noncurrent loans | 127.0607% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,381 |
| Noncurrent loans to loans | 1.0552% | 5,207 |
| Net loans and leases to total assets | 80.0256% | 1,163 |
| Net loans and leases to deposits | 90.0415% | 2,577 |
| Net loans and leases to core deposits | 123.9892% | 1,898 |
| Total domestic deposits to total assets | 88.8763% | 1,253 |
| Equity capital to assets | 8.4428% | 6,323 |
| Core capital (leverage) ratio | 8.3666% | 5,720 |
| Tier 1 risk-based capital ratio | 10.0794% | 6,900 |
| Total risk-based capital ratio | 11.3302% | 6,848 |
| Memoranda: | ||
| Average total assets | $150,182,250 | 3,979 |
| Average earning assets | $140,332,750 | 3,922 |
| Average equity | $12,362,000 | 4,693 |
| Average total loans | $121,953,500 | 3,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7595% | 487 |
| Cost of funding earning assets | 2.5014% | 1,607 |
| Net interest margin | 4.2580% | 1,790 |
| Noninterest income to average assets | 0.3636% | 5,605 |
| Noninterest expense to average assets | 3.3244% | 2,869 |
| Loan and lease loss provision to assets | 0.4822% | 3,116 |
| Net operating income to assets | 0.5115% | 4,042 |
| Return on assets (ROA) | 0.5128% | 4,157 |
| Pretax return on assets | 0.5328% | 4,518 |
| Return on Equity (ROE) | 6.2835% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.2835% | 1,891 |
| Net charge-offs to loans | 0.6591% | 2,386 |
| Credit loss provision to net charge-offs | 90.0498% | 4,922 |
| Earnings coverage of net charge-offs (x) | 1.8930% | 4,161 |
| Efficiency ratio | 76.6349% | 3,575 |
| Assets per employee ($millions) | 3.2370% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,009 |
| Loan loss allowance to noncurrent loans | 95.9759% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 4,928 |
| Noncurrent loans to loans | 1.2414% | 4,729 |
| Net loans and leases to total assets | 81.4720% | 1,056 |
| Net loans and leases to deposits | 92.6484% | 2,334 |
| Net loans and leases to core deposits | 124.4868% | 1,979 |
| Total domestic deposits to total assets | 87.9368% | 1,805 |
| Equity capital to assets | 8.5463% | 5,981 |
| Core capital (leverage) ratio | 8.3524% | 5,707 |
| Tier 1 risk-based capital ratio | 9.9708% | 6,958 |
| Total risk-based capital ratio | 11.1263% | 6,997 |
| Memoranda: | ||
| Average total assets | $150,160,670 | 3,988 |
| Average earning assets | $140,159,000 | 3,945 |
| Average equity | $12,254,330 | 4,748 |
| Average total loans | $121,981,330 | 3,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7330% | 551 |
| Cost of funding earning assets | 2.7045% | 1,260 |
| Net interest margin | 4.0286% | 2,538 |
| Noninterest income to average assets | 0.3464% | 5,677 |
| Noninterest expense to average assets | 3.1127% | 3,328 |
| Loan and lease loss provision to assets | 0.4488% | 2,675 |
| Net operating income to assets | 0.5170% | 4,352 |
| Return on assets (ROA) | 0.5170% | 4,539 |
| Pretax return on assets | 0.5380% | 4,953 |
| Return on Equity (ROE) | 6.4819% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.4819% | 2,422 |
| Net charge-offs to loans | 0.7745% | 1,659 |
| Credit loss provision to net charge-offs | 71.8487% | 4,320 |
| Earnings coverage of net charge-offs (x) | 1.5798% | 3,936 |
| Efficiency ratio | 75.9283% | 3,505 |
| Assets per employee ($millions) | 3.3588% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 4,970 |
| Loan loss allowance to noncurrent loans | 86.8275% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,371 |
| Noncurrent loans to loans | 1.3503% | 4,288 |
| Net loans and leases to total assets | 78.3005% | 1,747 |
| Net loans and leases to deposits | 88.0009% | 3,290 |
| Net loans and leases to core deposits | 122.6468% | 2,193 |
| Total domestic deposits to total assets | 88.9769% | 1,236 |
| Equity capital to assets | 8.1094% | 6,665 |
| Core capital (leverage) ratio | 7.9068% | 6,605 |
| Tier 1 risk-based capital ratio | 9.7963% | 7,147 |
| Total risk-based capital ratio | 10.9274% | 7,191 |
| Memoranda: | ||
| Average total assets | $152,408,000 | 3,971 |
| Average earning assets | $141,986,500 | 3,915 |
| Average equity | $12,157,000 | 4,797 |
| Average total loans | $122,918,000 | 3,502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2097% | 724 |
| Cost of funding earning assets | 3.2225% | 1,121 |
| Net interest margin | 3.9872% | 3,177 |
| Noninterest income to average assets | 0.2160% | 6,889 |
| Noninterest expense to average assets | 3.0407% | 3,938 |
| Loan and lease loss provision to assets | 0.7828% | 1,907 |
| Net operating income to assets | 0.0999% | 6,112 |
| Return on assets (ROA) | 0.0999% | 5,957 |
| Pretax return on assets | 0.1030% | 5,935 |
| Return on Equity (ROE) | 1.3168% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.3168% | 4,426 |
| Net charge-offs to loans | 1.1180% | 1,081 |
| Credit loss provision to net charge-offs | 90.3458% | 5,677 |
| Earnings coverage of net charge-offs (x) | 1.0223% | 5,617 |
| Efficiency ratio | 77.4404% | 3,004 |
| Assets per employee ($millions) | 3.4149% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 4,803 |
| Loan loss allowance to noncurrent loans | 85.5233% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 3,854 |
| Noncurrent loans to loans | 1.3642% | 3,793 |
| Net loans and leases to total assets | 81.0913% | 1,415 |
| Net loans and leases to deposits | 90.6857% | 3,336 |
| Net loans and leases to core deposits | 132.9688% | 1,650 |
| Total domestic deposits to total assets | 89.4202% | 873 |
| Equity capital to assets | 7.8460% | 7,050 |
| Core capital (leverage) ratio | 7.6576% | 6,989 |
| Tier 1 risk-based capital ratio | 9.1496% | 7,667 |
| Total risk-based capital ratio | 10.2746% | 7,748 |
| Memoranda: | ||
| Average total assets | $160,193,400 | 3,715 |
| Average earning assets | $149,076,600 | 3,676 |
| Average equity | $12,150,400 | 4,794 |
| Average total loans | $124,145,000 | 3,373 |