Home > Northwestern Bank > Performance and Condition Ratios
Northwestern 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 | 3.3879% | 5,617 |
| Cost of funding earning assets | 0.1579% | 6,135 |
| Net interest margin | 3.2300% | 4,856 |
| Noninterest income to average assets | 2.2015% | 296 |
| Noninterest expense to average assets | 4.2162% | 601 |
| Loan and lease loss provision to assets | 0.1142% | 2,147 |
| Net operating income to assets | 0.5194% | 4,809 |
| Return on assets (ROA) | 0.5194% | 4,866 |
| Pretax return on assets | 0.7870% | 4,407 |
| Return on Equity (ROE) | 5.6922% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.6922% | 2,615 |
| Net charge-offs to loans | -0.1001% | 6,134 |
| Credit loss provision to net charge-offs | -190.2887% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3901% | 1,566 |
| Assets per employee ($millions) | 2.7718% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3248% | 262 |
| Loan loss allowance to noncurrent loans | 53.0184% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 4.2012% | 446 |
| Noncurrent loans to loans | 6.2711% | 213 |
| Net loans and leases to total assets | 57.6476% | 4,120 |
| Net loans and leases to deposits | 63.7399% | 4,571 |
| Net loans and leases to core deposits | 65.0086% | 4,800 |
| Total domestic deposits to total assets | 90.4420% | 551 |
| Equity capital to assets | 9.1869% | 5,158 |
| Core capital (leverage) ratio | 9.0078% | 5,060 |
| Tier 1 risk-based capital ratio | 13.9322% | 4,265 |
| Total risk-based capital ratio | 15.2050% | 4,190 |
| Memoranda: | ||
| Average total assets | $846,595,750 | 798 |
| Average earning assets | $764,225,250 | 803 |
| Average equity | $77,250,500 | 952 |
| Average total loans | $507,443,250 | 882 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 5,605 |
| Cost of funding earning assets | 0.1629% | 6,172 |
| Net interest margin | 3.2470% | 4,791 |
| Noninterest income to average assets | 2.1425% | 316 |
| Noninterest expense to average assets | 4.3428% | 527 |
| Loan and lease loss provision to assets | 0.1248% | 1,978 |
| Net operating income to assets | 0.3889% | 5,267 |
| Return on assets (ROA) | 0.3889% | 5,336 |
| Pretax return on assets | 0.5892% | 4,984 |
| Return on Equity (ROE) | 4.2714% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,458 |
| Net charge-offs to loans | 0.1884% | 1,904 |
| Credit loss provision to net charge-offs | 110.2941% | 1,821 |
| Earnings coverage of net charge-offs (x) | 6.3109% | 2,790 |
| Efficiency ratio | 85.8801% | 1,282 |
| Assets per employee ($millions) | 2.5267% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1165% | 333 |
| Loan loss allowance to noncurrent loans | 49.4266% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 4.5322% | 432 |
| Noncurrent loans to loans | 6.3054% | 235 |
| Net loans and leases to total assets | 58.7125% | 3,895 |
| Net loans and leases to deposits | 64.8622% | 4,392 |
| Net loans and leases to core deposits | 66.0113% | 4,643 |
| Total domestic deposits to total assets | 90.5189% | 582 |
| Equity capital to assets | 9.1369% | 5,169 |
| Core capital (leverage) ratio | 9.0988% | 4,874 |
| Tier 1 risk-based capital ratio | 13.4951% | 4,584 |
| Total risk-based capital ratio | 14.7651% | 4,510 |
| Memoranda: | ||
| Average total assets | $841,446,330 | 802 |
| Average earning assets | $755,230,000 | 814 |
| Average equity | $76,602,330 | 956 |
| Average total loans | $505,244,670 | 883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 5,481 |
| Cost of funding earning assets | 0.1681% | 6,241 |
| Net interest margin | 3.3125% | 4,481 |
| Noninterest income to average assets | 2.0982% | 310 |
| Noninterest expense to average assets | 4.5745% | 426 |
| Loan and lease loss provision to assets | 0.1552% | 1,560 |
| Net operating income to assets | 0.2201% | 5,743 |
| Return on assets (ROA) | 0.2201% | 5,794 |
| Pretax return on assets | 0.3333% | 5,640 |
| Return on Equity (ROE) | 2.4225% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.4225% | 4,621 |
| Net charge-offs to loans | -0.1079% | 6,146 |
| Credit loss provision to net charge-offs | -240.7407% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3518% | 1,003 |
| Assets per employee ($millions) | 2.3994% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3235% | 311 |
| Loan loss allowance to noncurrent loans | 48.8969% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 5.2797% | 372 |
| Noncurrent loans to loans | 6.7970% | 235 |
| Net loans and leases to total assets | 57.1252% | 3,978 |
| Net loans and leases to deposits | 63.1210% | 4,418 |
| Net loans and leases to core deposits | 64.4397% | 4,656 |
| Total domestic deposits to total assets | 90.5012% | 800 |
| Equity capital to assets | 9.1169% | 4,981 |
| Core capital (leverage) ratio | 9.0380% | 4,955 |
| Tier 1 risk-based capital ratio | 13.6379% | 4,588 |
| Total risk-based capital ratio | 14.9097% | 4,523 |
| Memoranda: | ||
| Average total assets | $837,687,000 | 814 |
| Average earning assets | $749,774,000 | 831 |
| Average equity | $76,119,000 | 959 |
| Average total loans | $500,625,500 | 883 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,776 |
| Cost of funding earning assets | 0.2305% | 6,094 |
| Net interest margin | 3.5811% | 3,546 |
| Noninterest income to average assets | 2.7116% | 255 |
| Noninterest expense to average assets | 5.0027% | 347 |
| Loan and lease loss provision to assets | 0.8638% | 233 |
| Net operating income to assets | 0.0253% | 6,171 |
| Return on assets (ROA) | 0.0259% | 6,212 |
| Pretax return on assets | 0.0392% | 6,168 |
| Return on Equity (ROE) | 0.2929% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.2929% | 5,714 |
| Net charge-offs to loans | 1.0842% | 521 |
| Credit loss provision to net charge-offs | 122.3335% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.2776% | 4,638 |
| Efficiency ratio | 84.7222% | 1,546 |
| Assets per employee ($millions) | 2.2958% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1563% | 391 |
| Loan loss allowance to noncurrent loans | 44.7458% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 5.6752% | 357 |
| Noncurrent loans to loans | 7.0539% | 236 |
| Net loans and leases to total assets | 58.5286% | 3,948 |
| Net loans and leases to deposits | 64.6689% | 4,444 |
| Net loans and leases to core deposits | 65.9736% | 4,696 |
| Total domestic deposits to total assets | 90.5050% | 813 |
| Equity capital to assets | 9.0567% | 4,964 |
| Core capital (leverage) ratio | 8.7893% | 5,301 |
| Tier 1 risk-based capital ratio | 13.2980% | 4,790 |
| Total risk-based capital ratio | 14.5682% | 4,715 |
| Memoranda: | ||
| Average total assets | $848,441,800 | 781 |
| Average earning assets | $756,558,200 | 792 |
| Average equity | $75,121,000 | 954 |
| Average total loans | $552,578,000 | 761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 4,607 |
| Cost of funding earning assets | 0.2414% | 6,146 |
| Net interest margin | 3.6297% | 3,323 |
| Noninterest income to average assets | 2.7778% | 259 |
| Noninterest expense to average assets | 4.9205% | 359 |
| Loan and lease loss provision to assets | 1.2220% | 115 |
| Net operating income to assets | -0.0890% | 6,374 |
| Return on assets (ROA) | -0.0882% | 6,411 |
| Pretax return on assets | -0.1336% | 6,427 |
| Return on Equity (ROE) | -1.0018% | 6,425 |
| Retained earnings to average equity (ytd only) | -1.0018% | 6,136 |
| Net charge-offs to loans | 1.3120% | 405 |
| Credit loss provision to net charge-offs | 140.5152% | 1,675 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,422 |
| Efficiency ratio | 81.9047% | 1,834 |
| Assets per employee ($millions) | 2.2819% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2494% | 433 |
| Loan loss allowance to noncurrent loans | 45.2345% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 5.6832% | 443 |
| Noncurrent loans to loans | 7.1835% | 286 |
| Net loans and leases to total assets | 58.0154% | 4,007 |
| Net loans and leases to deposits | 63.7963% | 4,541 |
| Net loans and leases to core deposits | 65.1042% | 4,795 |
| Total domestic deposits to total assets | 90.9385% | 563 |
| Equity capital to assets | 8.6557% | 5,559 |
| Core capital (leverage) ratio | 8.5268% | 5,744 |
| Tier 1 risk-based capital ratio | 12.5931% | 5,395 |
| Total risk-based capital ratio | 13.8636% | 5,326 |
| Memoranda: | ||
| Average total assets | $851,058,000 | 780 |
| Average earning assets | $757,287,500 | 801 |
| Average equity | $74,928,000 | 964 |
| Average total loans | $564,112,250 | 739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 4,163 |
| Cost of funding earning assets | 0.2520% | 6,164 |
| Net interest margin | 3.7337% | 2,825 |
| Noninterest income to average assets | 2.6163% | 300 |
| Noninterest expense to average assets | 5.1624% | 319 |
| Loan and lease loss provision to assets | 1.4899% | 87 |
| Net operating income to assets | -0.4716% | 6,625 |
| Return on assets (ROA) | -0.4706% | 6,639 |
| Pretax return on assets | -0.7130% | 6,690 |
| Return on Equity (ROE) | -5.3148% | 6,646 |
| Retained earnings to average equity (ytd only) | -5.3148% | 6,475 |
| Net charge-offs to loans | 1.4598% | 370 |
| Credit loss provision to net charge-offs | 149.1124% | 1,547 |
| Earnings coverage of net charge-offs (x) | 0.7761% | 4,269 |
| Efficiency ratio | 86.9404% | 1,321 |
| Assets per employee ($millions) | 2.0940% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0177% | 572 |
| Loan loss allowance to noncurrent loans | 46.1207% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 6.1083% | 439 |
| Noncurrent loans to loans | 6.5431% | 398 |
| Net loans and leases to total assets | 63.6813% | 2,970 |
| Net loans and leases to deposits | 70.2232% | 3,691 |
| Net loans and leases to core deposits | 71.8370% | 4,064 |
| Total domestic deposits to total assets | 90.6842% | 665 |
| Equity capital to assets | 8.7236% | 5,517 |
| Core capital (leverage) ratio | 8.5147% | 5,658 |
| Tier 1 risk-based capital ratio | 11.8577% | 5,875 |
| Total risk-based capital ratio | 13.1265% | 5,821 |
| Memoranda: | ||
| Average total assets | $845,700,000 | 786 |
| Average earning assets | $752,328,670 | 806 |
| Average equity | $74,885,330 | 970 |
| Average total loans | $578,827,670 | 719 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 4,338 |
| Cost of funding earning assets | 0.2636% | 6,201 |
| Net interest margin | 3.6746% | 2,970 |
| Noninterest income to average assets | 2.6397% | 294 |
| Noninterest expense to average assets | 5.3480% | 293 |
| Loan and lease loss provision to assets | 0.7087% | 333 |
| Net operating income to assets | -0.0863% | 6,427 |
| Return on assets (ROA) | -0.0860% | 6,482 |
| Pretax return on assets | -0.1304% | 6,509 |
| Return on Equity (ROE) | -0.9640% | 6,499 |
| Retained earnings to average equity (ytd only) | -0.9640% | 5,944 |
| Net charge-offs to loans | 0.4290% | 1,385 |
| Credit loss provision to net charge-offs | 236.5931% | 965 |
| Earnings coverage of net charge-offs (x) | 1.9290% | 3,195 |
| Efficiency ratio | 90.2488% | 1,129 |
| Assets per employee ($millions) | 2.0071% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7196% | 896 |
| Loan loss allowance to noncurrent loans | 40.9465% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 6.2103% | 506 |
| Noncurrent loans to loans | 6.6418% | 472 |
| Net loans and leases to total assets | 65.9853% | 2,372 |
| Net loans and leases to deposits | 72.8652% | 3,075 |
| Net loans and leases to core deposits | 74.5588% | 3,509 |
| Total domestic deposits to total assets | 90.5580% | 738 |
| Equity capital to assets | 8.9695% | 5,521 |
| Core capital (leverage) ratio | 8.7699% | 5,233 |
| Tier 1 risk-based capital ratio | 11.9473% | 5,947 |
| Total risk-based capital ratio | 13.2131% | 5,904 |
| Memoranda: | ||
| Average total assets | $846,604,500 | 789 |
| Average earning assets | $757,097,500 | 809 |
| Average equity | $75,519,000 | 972 |
| Average total loans | $591,180,000 | 707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 4,198 |
| Cost of funding earning assets | 0.3649% | 6,131 |
| Net interest margin | 3.9332% | 2,679 |
| Noninterest income to average assets | 3.1525% | 237 |
| Noninterest expense to average assets | 5.3594% | 294 |
| Loan and lease loss provision to assets | 1.7595% | 148 |
| Net operating income to assets | -0.2922% | 6,431 |
| Return on assets (ROA) | -0.2918% | 6,489 |
| Pretax return on assets | -0.4414% | 6,545 |
| Return on Equity (ROE) | -3.1987% | 6,507 |
| Retained earnings to average equity (ytd only) | -3.1987% | 6,277 |
| Net charge-offs to loans | 2.0772% | 349 |
| Credit loss provision to net charge-offs | 115.4103% | 2,511 |
| Earnings coverage of net charge-offs (x) | 0.8642% | 5,043 |
| Efficiency ratio | 80.0533% | 2,137 |
| Assets per employee ($millions) | 2.0536% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 1,239 |
| Loan loss allowance to noncurrent loans | 36.1119% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 5.6891% | 643 |
| Noncurrent loans to loans | 6.6281% | 495 |
| Net loans and leases to total assets | 70.0840% | 1,828 |
| Net loans and leases to deposits | 77.3187% | 2,609 |
| Net loans and leases to core deposits | 79.1486% | 3,127 |
| Total domestic deposits to total assets | 90.6429% | 642 |
| Equity capital to assets | 8.8716% | 5,659 |
| Core capital (leverage) ratio | 8.5865% | 5,479 |
| Tier 1 risk-based capital ratio | 11.4905% | 6,111 |
| Total risk-based capital ratio | 12.7534% | 6,073 |
| Memoranda: | ||
| Average total assets | $864,912,400 | 758 |
| Average earning assets | $775,018,400 | 772 |
| Average equity | $78,907,800 | 889 |
| Average total loans | $634,807,600 | 652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 4,400 |
| Cost of funding earning assets | 0.3917% | 6,162 |
| Net interest margin | 3.9224% | 2,831 |
| Noninterest income to average assets | 3.0589% | 241 |
| Noninterest expense to average assets | 5.2338% | 314 |
| Loan and lease loss provision to assets | 0.4388% | 1,438 |
| Net operating income to assets | 0.5953% | 4,415 |
| Return on assets (ROA) | 0.5953% | 4,678 |
| Pretax return on assets | 0.9020% | 4,090 |
| Return on Equity (ROE) | 6.4815% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,387 |
| Net charge-offs to loans | 0.5133% | 2,070 |
| Credit loss provision to net charge-offs | 115.8556% | 2,511 |
| Earnings coverage of net charge-offs (x) | 3.5401% | 3,602 |
| Efficiency ratio | 79.3160% | 2,195 |
| Assets per employee ($millions) | 2.1118% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 2,039 |
| Loan loss allowance to noncurrent loans | 25.0602% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 7.2051% | 492 |
| Noncurrent loans to loans | 8.1750% | 372 |
| Net loans and leases to total assets | 71.6434% | 1,614 |
| Net loans and leases to deposits | 79.6119% | 2,456 |
| Net loans and leases to core deposits | 81.3642% | 3,040 |
| Total domestic deposits to total assets | 89.9908% | 851 |
| Equity capital to assets | 9.4485% | 5,262 |
| Core capital (leverage) ratio | 9.1997% | 4,762 |
| Tier 1 risk-based capital ratio | 12.1018% | 5,887 |
| Total risk-based capital ratio | 13.3607% | 5,857 |
| Memoranda: | ||
| Average total assets | $868,076,750 | 762 |
| Average earning assets | $778,068,500 | 771 |
| Average equity | $79,732,500 | 878 |
| Average total loans | $640,524,250 | 649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 4,351 |
| Cost of funding earning assets | 0.4210% | 6,159 |
| Net interest margin | 3.9375% | 2,757 |
| Noninterest income to average assets | 2.9743% | 246 |
| Noninterest expense to average assets | 4.9450% | 394 |
| Loan and lease loss provision to assets | 0.5990% | 998 |
| Net operating income to assets | 0.6322% | 4,213 |
| Return on assets (ROA) | 0.6322% | 4,460 |
| Pretax return on assets | 0.9579% | 3,858 |
| Return on Equity (ROE) | 6.9492% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.9492% | 2,128 |
| Net charge-offs to loans | 0.5666% | 1,896 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.7132% | 3,295 |
| Efficiency ratio | 75.6148% | 2,807 |
| Assets per employee ($millions) | 2.0990% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 1,960 |
| Loan loss allowance to noncurrent loans | 26.6180% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 7.2990% | 510 |
| Noncurrent loans to loans | 7.9521% | 442 |
| Net loans and leases to total assets | 71.2831% | 1,684 |
| Net loans and leases to deposits | 78.9458% | 2,529 |
| Net loans and leases to core deposits | 80.5052% | 3,146 |
| Total domestic deposits to total assets | 90.2938% | 767 |
| Equity capital to assets | 9.3079% | 5,305 |
| Core capital (leverage) ratio | 9.2107% | 4,594 |
| Tier 1 risk-based capital ratio | 11.7934% | 6,062 |
| Total risk-based capital ratio | 13.0527% | 6,032 |
| Memoranda: | ||
| Average total assets | $868,112,330 | 762 |
| Average earning assets | $777,756,330 | 773 |
| Average equity | $78,973,330 | 880 |
| Average total loans | $642,416,000 | 649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 4,246 |
| Cost of funding earning assets | 0.4499% | 6,143 |
| Net interest margin | 3.9692% | 2,634 |
| Noninterest income to average assets | 3.0698% | 234 |
| Noninterest expense to average assets | 4.8921% | 400 |
| Loan and lease loss provision to assets | 0.7145% | 722 |
| Net operating income to assets | 0.6823% | 3,969 |
| Return on assets (ROA) | 0.6823% | 4,184 |
| Pretax return on assets | 1.0340% | 3,557 |
| Return on Equity (ROE) | 7.5879% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.5879% | 2,132 |
| Net charge-offs to loans | 0.3881% | 2,140 |
| Credit loss provision to net charge-offs | 246.8153% | 1,158 |
| Earnings coverage of net charge-offs (x) | 6.0398% | 2,260 |
| Efficiency ratio | 73.2385% | 3,214 |
| Assets per employee ($millions) | 2.1778% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 2,032 |
| Loan loss allowance to noncurrent loans | 27.6226% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 6.9900% | 619 |
| Noncurrent loans to loans | 7.6987% | 525 |
| Net loans and leases to total assets | 71.5197% | 1,478 |
| Net loans and leases to deposits | 79.0458% | 2,337 |
| Net loans and leases to core deposits | 80.9841% | 2,949 |
| Total domestic deposits to total assets | 90.4787% | 815 |
| Equity capital to assets | 9.1407% | 5,305 |
| Core capital (leverage) ratio | 9.2026% | 4,511 |
| Tier 1 risk-based capital ratio | 11.5958% | 6,221 |
| Total risk-based capital ratio | 12.8553% | 6,197 |
| Memoranda: | ||
| Average total assets | $867,683,500 | 765 |
| Average earning assets | $780,608,000 | 773 |
| Average equity | $78,018,500 | 890 |
| Average total loans | $647,212,000 | 642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 4,055 |
| Cost of funding earning assets | 0.5640% | 6,271 |
| Net interest margin | 4.1809% | 2,123 |
| Noninterest income to average assets | 2.2304% | 322 |
| Noninterest expense to average assets | 4.5510% | 561 |
| Loan and lease loss provision to assets | 0.8455% | 1,148 |
| Net operating income to assets | 0.3455% | 5,086 |
| Return on assets (ROA) | 0.3555% | 5,214 |
| Pretax return on assets | 0.5926% | 4,719 |
| Return on Equity (ROE) | 4.1993% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.5807% | 3,682 |
| Net charge-offs to loans | 1.1296% | 1,513 |
| Credit loss provision to net charge-offs | 96.1910% | 3,745 |
| Earnings coverage of net charge-offs (x) | 1.6183% | 4,560 |
| Efficiency ratio | 75.7176% | 2,930 |
| Assets per employee ($millions) | 2.1991% | 7,078 |
| Cash dividends to net income (ytd only)* | 14.7311% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 2,514 |
| Loan loss allowance to noncurrent loans | 25.6720% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 7.2385% | 625 |
| Noncurrent loans to loans | 7.4701% | 569 |
| Net loans and leases to total assets | 74.6603% | 1,146 |
| Net loans and leases to deposits | 82.3013% | 2,161 |
| Net loans and leases to core deposits | 84.4175% | 2,832 |
| Total domestic deposits to total assets | 90.7158% | 619 |
| Equity capital to assets | 8.8413% | 5,743 |
| Core capital (leverage) ratio | 8.5523% | 5,477 |
| Tier 1 risk-based capital ratio | 10.7953% | 6,561 |
| Total risk-based capital ratio | 12.0525% | 6,540 |
| Memoranda: | ||
| Average total assets | $884,104,000 | 742 |
| Average earning assets | $791,526,600 | 747 |
| Average equity | $74,845,400 | 901 |
| Average total loans | $687,937,400 | 600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 4,196 |
| Cost of funding earning assets | 0.5853% | 6,350 |
| Net interest margin | 4.1731% | 2,199 |
| Noninterest income to average assets | 2.0010% | 376 |
| Noninterest expense to average assets | 4.3849% | 644 |
| Loan and lease loss provision to assets | 0.7648% | 1,236 |
| Net operating income to assets | 0.3869% | 5,054 |
| Return on assets (ROA) | 0.4006% | 5,184 |
| Pretax return on assets | 0.6069% | 4,787 |
| Return on Equity (ROE) | 4.7831% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.9540% | 3,905 |
| Net charge-offs to loans | 1.1745% | 1,340 |
| Credit loss provision to net charge-offs | 83.2517% | 4,031 |
| Earnings coverage of net charge-offs (x) | 1.4706% | 4,531 |
| Efficiency ratio | 75.9595% | 2,845 |
| Assets per employee ($millions) | 2.2757% | 7,092 |
| Cash dividends to net income (ytd only)* | 17.3344% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 3,040 |
| Loan loss allowance to noncurrent loans | 26.8042% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 6.5463% | 787 |
| Noncurrent loans to loans | 6.6014% | 793 |
| Net loans and leases to total assets | 74.3403% | 1,271 |
| Net loans and leases to deposits | 81.6672% | 2,421 |
| Net loans and leases to core deposits | 84.1063% | 3,052 |
| Total domestic deposits to total assets | 91.0283% | 422 |
| Equity capital to assets | 8.5575% | 6,241 |
| Core capital (leverage) ratio | 8.4049% | 5,843 |
| Tier 1 risk-based capital ratio | 10.4783% | 6,786 |
| Total risk-based capital ratio | 11.7337% | 6,769 |
| Memoranda: | ||
| Average total assets | $889,069,250 | 742 |
| Average earning assets | $795,719,750 | 748 |
| Average equity | $74,454,250 | 913 |
| Average total loans | $695,456,250 | 599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 4,238 |
| Cost of funding earning assets | 0.6048% | 6,433 |
| Net interest margin | 4.1580% | 2,194 |
| Noninterest income to average assets | 1.5691% | 522 |
| Noninterest expense to average assets | 4.3366% | 713 |
| Loan and lease loss provision to assets | 1.0005% | 872 |
| Net operating income to assets | -0.0289% | 6,268 |
| Return on assets (ROA) | -0.0081% | 6,309 |
| Pretax return on assets | -0.0121% | 6,278 |
| Return on Equity (ROE) | -0.0974% | 6,312 |
| Retained earnings to average equity (ytd only) | -1.3495% | 6,126 |
| Net charge-offs to loans | 1.2559% | 1,239 |
| Credit loss provision to net charge-offs | 100.7471% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.9640% | 4,573 |
| Efficiency ratio | 81.3904% | 2,188 |
| Assets per employee ($millions) | 2.1989% | 7,180 |
| Cash dividends to net income (ytd only)* | -1,286.1111% | 7,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,717 |
| Loan loss allowance to noncurrent loans | 27.5266% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 6.9488% | 737 |
| Noncurrent loans to loans | 6.8418% | 771 |
| Net loans and leases to total assets | 77.4393% | 853 |
| Net loans and leases to deposits | 84.9378% | 1,954 |
| Net loans and leases to core deposits | 87.9310% | 2,653 |
| Total domestic deposits to total assets | 91.1718% | 438 |
| Equity capital to assets | 8.4116% | 6,293 |
| Core capital (leverage) ratio | 8.0893% | 6,183 |
| Tier 1 risk-based capital ratio | 9.8570% | 7,020 |
| Total risk-based capital ratio | 11.1138% | 7,017 |
| Memoranda: | ||
| Average total assets | $889,582,670 | 749 |
| Average earning assets | $796,924,330 | 760 |
| Average equity | $73,955,670 | 917 |
| Average total loans | $703,382,670 | 603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 3,919 |
| Cost of funding earning assets | 0.6213% | 6,517 |
| Net interest margin | 4.2070% | 1,872 |
| Noninterest income to average assets | 1.9488% | 366 |
| Noninterest expense to average assets | 4.4062% | 646 |
| Loan and lease loss provision to assets | 0.5784% | 1,496 |
| Net operating income to assets | 0.4858% | 4,547 |
| Return on assets (ROA) | 0.5264% | 4,456 |
| Pretax return on assets | 0.7978% | 3,905 |
| Return on Equity (ROE) | 6.3678% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.3678% | 2,438 |
| Net charge-offs to loans | 0.5774% | 2,044 |
| Credit loss provision to net charge-offs | 126.5823% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.8773% | 2,934 |
| Efficiency ratio | 76.5360% | 3,065 |
| Assets per employee ($millions) | 2.3071% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 2,708 |
| Loan loss allowance to noncurrent loans | 24.5750% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 7.7190% | 634 |
| Noncurrent loans to loans | 7.7100% | 668 |
| Net loans and leases to total assets | 76.6536% | 937 |
| Net loans and leases to deposits | 84.0761% | 2,016 |
| Net loans and leases to core deposits | 86.9727% | 2,738 |
| Total domestic deposits to total assets | 91.1716% | 545 |
| Equity capital to assets | 8.4130% | 6,033 |
| Core capital (leverage) ratio | 8.1990% | 5,970 |
| Tier 1 risk-based capital ratio | 9.9143% | 7,033 |
| Total risk-based capital ratio | 11.1712% | 7,032 |
| Memoranda: | ||
| Average total assets | $899,001,500 | 746 |
| Average earning assets | $806,080,000 | 758 |
| Average equity | $74,311,500 | 901 |
| Average total loans | $711,453,000 | 602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 5,458 |
| Cost of funding earning assets | 1.0590% | 5,374 |
| Net interest margin | 3.7290% | 4,232 |
| Noninterest income to average assets | 2.2627% | 323 |
| Noninterest expense to average assets | 4.2032% | 900 |
| Loan and lease loss provision to assets | 1.0067% | 1,617 |
| Net operating income to assets | 0.2805% | 5,001 |
| Return on assets (ROA) | 0.2805% | 5,166 |
| Pretax return on assets | 0.4251% | 4,865 |
| Return on Equity (ROE) | 3.6072% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.4847% | 4,138 |
| Net charge-offs to loans | 1.0567% | 2,091 |
| Credit loss provision to net charge-offs | 122.0938% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.7365% | 4,417 |
| Efficiency ratio | 74.0188% | 3,393 |
| Assets per employee ($millions) | 2.2800% | 7,232 |
| Cash dividends to net income (ytd only)* | 31.1187% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,940 |
| Loan loss allowance to noncurrent loans | 24.5456% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 7.2589% | 737 |
| Noncurrent loans to loans | 7.2344% | 761 |
| Net loans and leases to total assets | 78.7008% | 847 |
| Net loans and leases to deposits | 86.2440% | 2,051 |
| Net loans and leases to core deposits | 91.2654% | 2,579 |
| Total domestic deposits to total assets | 91.2536% | 482 |
| Equity capital to assets | 8.1218% | 6,357 |
| Core capital (leverage) ratio | 7.4368% | 6,755 |
| Tier 1 risk-based capital ratio | 9.5401% | 7,128 |
| Total risk-based capital ratio | 10.7959% | 7,135 |
| Memoranda: | ||
| Average total assets | $933,709,200 | 724 |
| Average earning assets | $844,410,600 | 722 |
| Average equity | $72,604,200 | 921 |
| Average total loans | $728,619,200 | 599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 5,993 |
| Cost of funding earning assets | 1.1247% | 5,287 |
| Net interest margin | 3.5819% | 4,963 |
| Noninterest income to average assets | 2.1522% | 340 |
| Noninterest expense to average assets | 4.1245% | 907 |
| Loan and lease loss provision to assets | 0.7870% | 1,939 |
| Net operating income to assets | 0.3202% | 5,087 |
| Return on assets (ROA) | 0.3202% | 5,252 |
| Pretax return on assets | 0.4851% | 4,978 |
| Return on Equity (ROE) | 4.1623% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.6600% | 4,559 |
| Net charge-offs to loans | 0.6367% | 2,840 |
| Credit loss provision to net charge-offs | 159.4369% | 2,381 |
| Earnings coverage of net charge-offs (x) | 2.5771% | 3,863 |
| Efficiency ratio | 75.8001% | 2,989 |
| Assets per employee ($millions) | 2.5410% | 7,025 |
| Cash dividends to net income (ytd only)* | 36.0939% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 2,761 |
| Loan loss allowance to noncurrent loans | 24.9446% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 6.7566% | 825 |
| Noncurrent loans to loans | 7.2477% | 753 |
| Net loans and leases to total assets | 73.9135% | 1,826 |
| Net loans and leases to deposits | 82.1659% | 3,071 |
| Net loans and leases to core deposits | 87.4386% | 3,455 |
| Total domestic deposits to total assets | 89.9564% | 901 |
| Equity capital to assets | 7.5163% | 7,121 |
| Core capital (leverage) ratio | 7.2813% | 7,021 |
| Tier 1 risk-based capital ratio | 9.4076% | 7,275 |
| Total risk-based capital ratio | 10.6639% | 7,279 |
| Memoranda: | ||
| Average total assets | $940,273,500 | 708 |
| Average earning assets | $851,666,000 | 709 |
| Average equity | $72,330,000 | 924 |
| Average total loans | $729,003,250 | 597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 6,250 |
| Cost of funding earning assets | 1.1811% | 5,231 |
| Net interest margin | 3.4875% | 5,294 |
| Noninterest income to average assets | 1.7513% | 431 |
| Noninterest expense to average assets | 4.0631% | 970 |
| Loan and lease loss provision to assets | 0.4847% | 2,879 |
| Net operating income to assets | 0.2376% | 5,422 |
| Return on assets (ROA) | 0.2376% | 5,564 |
| Pretax return on assets | 0.3602% | 5,341 |
| Return on Equity (ROE) | 3.0642% | 5,183 |
| Retained earnings to average equity (ytd only) | 0.8001% | 5,449 |
| Net charge-offs to loans | 0.4711% | 3,121 |
| Credit loss provision to net charge-offs | 131.3485% | 3,067 |
| Earnings coverage of net charge-offs (x) | 2.2896% | 3,859 |
| Efficiency ratio | 82.0532% | 2,161 |
| Assets per employee ($millions) | 2.4403% | 7,179 |
| Cash dividends to net income (ytd only)* | 73.8894% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,454 |
| Loan loss allowance to noncurrent loans | 23.1063% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 6.7541% | 802 |
| Noncurrent loans to loans | 6.9143% | 831 |
| Net loans and leases to total assets | 76.2191% | 1,445 |
| Net loans and leases to deposits | 85.3713% | 2,619 |
| Net loans and leases to core deposits | 91.5987% | 3,043 |
| Total domestic deposits to total assets | 89.2796% | 1,293 |
| Equity capital to assets | 7.6006% | 7,051 |
| Core capital (leverage) ratio | 7.4535% | 6,869 |
| Tier 1 risk-based capital ratio | 9.2710% | 7,347 |
| Total risk-based capital ratio | 10.5249% | 7,348 |
| Memoranda: | ||
| Average total assets | $928,447,330 | 717 |
| Average earning assets | $840,383,000 | 716 |
| Average equity | $71,993,330 | 918 |
| Average total loans | $727,174,000 | 600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 6,741 |
| Cost of funding earning assets | 1.2188% | 5,291 |
| Net interest margin | 3.3063% | 5,949 |
| Noninterest income to average assets | 1.6631% | 461 |
| Noninterest expense to average assets | 3.9245% | 1,137 |
| Loan and lease loss provision to assets | 0.5446% | 2,322 |
| Net operating income to assets | 0.1224% | 5,955 |
| Return on assets (ROA) | 0.1224% | 6,073 |
| Pretax return on assets | 0.1856% | 5,920 |
| Return on Equity (ROE) | 1.5630% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.5896% | 5,591 |
| Net charge-offs to loans | 0.7440% | 2,020 |
| Credit loss provision to net charge-offs | 92.9368% | 3,588 |
| Earnings coverage of net charge-offs (x) | 1.2461% | 4,010 |
| Efficiency ratio | 83.4223% | 2,083 |
| Assets per employee ($millions) | 2.4436% | 7,288 |
| Cash dividends to net income (ytd only)* | 62.2776% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,676 |
| Loan loss allowance to noncurrent loans | 22.3525% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 6.9355% | 782 |
| Noncurrent loans to loans | 6.9156% | 870 |
| Net loans and leases to total assets | 76.6405% | 1,408 |
| Net loans and leases to deposits | 86.1211% | 2,563 |
| Net loans and leases to core deposits | 92.9389% | 2,987 |
| Total domestic deposits to total assets | 88.9916% | 1,518 |
| Equity capital to assets | 7.7913% | 6,853 |
| Core capital (leverage) ratio | 7.5953% | 6,745 |
| Tier 1 risk-based capital ratio | 9.4050% | 7,350 |
| Total risk-based capital ratio | 10.6581% | 7,346 |
| Memoranda: | ||
| Average total assets | $918,033,000 | 743 |
| Average earning assets | $830,661,500 | 744 |
| Average equity | $71,914,500 | 924 |
| Average total loans | $723,122,500 | 625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 6,779 |
| Cost of funding earning assets | 1.5224% | 5,424 |
| Net interest margin | 3.3483% | 5,559 |
| Noninterest income to average assets | 2.4313% | 283 |
| Noninterest expense to average assets | 4.0773% | 1,263 |
| Loan and lease loss provision to assets | 1.0905% | 2,094 |
| Net operating income to assets | 0.2133% | 4,858 |
| Return on assets (ROA) | 0.2133% | 4,919 |
| Pretax return on assets | 0.3233% | 4,702 |
| Return on Equity (ROE) | 2.5609% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.4583% | 4,046 |
| Net charge-offs to loans | 0.9018% | 2,585 |
| Credit loss provision to net charge-offs | 143.1801% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.8562% | 4,329 |
| Efficiency ratio | 73.4567% | 4,004 |
| Assets per employee ($millions) | 2.3947% | 7,358 |
| Cash dividends to net income (ytd only)* | 43.0571% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,521 |
| Loan loss allowance to noncurrent loans | 22.2876% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 6.6703% | 799 |
| Noncurrent loans to loans | 6.9165% | 820 |
| Net loans and leases to total assets | 78.4764% | 1,289 |
| Net loans and leases to deposits | 88.4117% | 2,484 |
| Net loans and leases to core deposits | 105.2804% | 3,422 |
| Total domestic deposits to total assets | 88.7624% | 1,591 |
| Equity capital to assets | 7.8763% | 6,696 |
| Core capital (leverage) ratio | 7.6239% | 6,651 |
| Tier 1 risk-based capital ratio | 9.2478% | 7,358 |
| Total risk-based capital ratio | 10.5010% | 7,354 |
| Memoranda: | ||
| Average total assets | $871,144,600 | 778 |
| Average earning assets | $796,071,000 | 766 |
| Average equity | $72,551,400 | 898 |
| Average total loans | $735,734,200 | 626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 6,660 |
| Cost of funding earning assets | 1.5650% | 5,570 |
| Net interest margin | 3.4154% | 5,196 |
| Noninterest income to average assets | 2.5746% | 259 |
| Noninterest expense to average assets | 4.1193% | 1,114 |
| Loan and lease loss provision to assets | 0.6861% | 2,680 |
| Net operating income to assets | 0.5943% | 3,621 |
| Return on assets (ROA) | 0.5943% | 3,684 |
| Pretax return on assets | 0.9005% | 3,225 |
| Return on Equity (ROE) | 7.0346% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.8888% | 2,006 |
| Net charge-offs to loans | 0.5596% | 3,004 |
| Credit loss provision to net charge-offs | 143.0417% | 3,421 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 3,584 |
| Efficiency ratio | 71.4169% | 4,342 |
| Assets per employee ($millions) | 2.4526% | 7,300 |
| Cash dividends to net income (ytd only)* | 16.2887% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,373 |
| Loan loss allowance to noncurrent loans | 74.6126% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 2,861 |
| Noncurrent loans to loans | 1.7720% | 3,958 |
| Net loans and leases to total assets | 79.3810% | 1,307 |
| Net loans and leases to deposits | 89.6320% | 2,643 |
| Net loans and leases to core deposits | 105.2331% | 3,793 |
| Total domestic deposits to total assets | 88.5632% | 1,403 |
| Equity capital to assets | 8.1306% | 6,712 |
| Core capital (leverage) ratio | 7.9834% | 6,388 |
| Tier 1 risk-based capital ratio | 9.5608% | 7,329 |
| Total risk-based capital ratio | 10.8116% | 7,289 |
| Memoranda: | ||
| Average total assets | $860,837,250 | 799 |
| Average earning assets | $789,223,750 | 788 |
| Average equity | $72,724,000 | 907 |
| Average total loans | $737,865,750 | 642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 6,578 |
| Cost of funding earning assets | 1.6256% | 5,636 |
| Net interest margin | 3.4356% | 5,044 |
| Noninterest income to average assets | 2.9164% | 223 |
| Noninterest expense to average assets | 4.2228% | 1,044 |
| Loan and lease loss provision to assets | 0.6702% | 2,427 |
| Net operating income to assets | 0.7714% | 2,965 |
| Return on assets (ROA) | 0.7714% | 3,069 |
| Pretax return on assets | 1.1688% | 2,402 |
| Return on Equity (ROE) | 9.0091% | 2,355 |
| Retained earnings to average equity (ytd only) | 7.7644% | 1,287 |
| Net charge-offs to loans | 0.5436% | 2,696 |
| Credit loss provision to net charge-offs | 140.7260% | 3,313 |
| Earnings coverage of net charge-offs (x) | 3.8613% | 3,289 |
| Efficiency ratio | 68.9158% | 4,991 |
| Assets per employee ($millions) | 2.3426% | 7,498 |
| Cash dividends to net income (ytd only)* | 13.8164% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 4,670 |
| Loan loss allowance to noncurrent loans | 63.8740% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.4124% | 2,686 |
| Noncurrent loans to loans | 1.9415% | 3,614 |
| Net loans and leases to total assets | 83.0757% | 778 |
| Net loans and leases to deposits | 94.2238% | 2,056 |
| Net loans and leases to core deposits | 109.4343% | 3,440 |
| Total domestic deposits to total assets | 88.1684% | 1,686 |
| Equity capital to assets | 8.3760% | 6,235 |
| Core capital (leverage) ratio | 8.1915% | 5,998 |
| Tier 1 risk-based capital ratio | 9.4080% | 7,469 |
| Total risk-based capital ratio | 10.6408% | 7,450 |
| Memoranda: | ||
| Average total assets | $844,472,000 | 834 |
| Average earning assets | $773,139,330 | 830 |
| Average equity | $72,304,330 | 928 |
| Average total loans | $739,823,670 | 658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 6,380 |
| Cost of funding earning assets | 1.6732% | 5,728 |
| Net interest margin | 3.5058% | 4,707 |
| Noninterest income to average assets | 3.0382% | 209 |
| Noninterest expense to average assets | 4.2331% | 904 |
| Loan and lease loss provision to assets | 0.5076% | 2,444 |
| Net operating income to assets | 0.9948% | 2,329 |
| Return on assets (ROA) | 0.9948% | 2,465 |
| Pretax return on assets | 1.5072% | 1,647 |
| Return on Equity (ROE) | 11.4865% | 1,817 |
| Retained earnings to average equity (ytd only) | 9.9517% | 1,209 |
| Net charge-offs to loans | 0.4150% | 2,444 |
| Credit loss provision to net charge-offs | 136.7188% | 2,967 |
| Earnings coverage of net charge-offs (x) | 5.4271% | 2,679 |
| Efficiency ratio | 67.0174% | 5,140 |
| Assets per employee ($millions) | 2.3589% | 7,516 |
| Cash dividends to net income (ytd only)* | 13.3625% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 4,992 |
| Loan loss allowance to noncurrent loans | 63.5366% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.2824% | 2,514 |
| Noncurrent loans to loans | 1.8401% | 3,505 |
| Net loans and leases to total assets | 86.3562% | 399 |
| Net loans and leases to deposits | 98.4953% | 1,600 |
| Net loans and leases to core deposits | 111.6916% | 3,242 |
| Total domestic deposits to total assets | 87.6754% | 1,897 |
| Equity capital to assets | 8.5917% | 5,924 |
| Core capital (leverage) ratio | 8.3667% | 5,776 |
| Tier 1 risk-based capital ratio | 9.3520% | 7,547 |
| Total risk-based capital ratio | 10.5231% | 7,587 |
| Memoranda: | ||
| Average total assets | $827,476,000 | 850 |
| Average earning assets | $757,594,500 | 842 |
| Average equity | $71,666,500 | 938 |
| Average total loans | $740,258,500 | 665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8012% | 6,426 |
| Cost of funding earning assets | 2.3173% | 5,075 |
| Net interest margin | 3.4839% | 5,349 |
| Noninterest income to average assets | 1.7235% | 459 |
| Noninterest expense to average assets | 3.8636% | 1,634 |
| Loan and lease loss provision to assets | 0.4462% | 3,060 |
| Net operating income to assets | 0.3841% | 5,213 |
| Return on assets (ROA) | 0.3841% | 5,027 |
| Pretax return on assets | 0.5820% | 4,752 |
| Return on Equity (ROE) | 4.2996% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.0014% | 5,237 |
| Net charge-offs to loans | 0.5792% | 2,082 |
| Credit loss provision to net charge-offs | 91.2519% | 5,650 |
| Earnings coverage of net charge-offs (x) | 2.1026% | 5,019 |
| Efficiency ratio | 78.0043% | 2,916 |
| Assets per employee ($millions) | 2.3024% | 7,559 |
| Cash dividends to net income (ytd only)* | 99.9673% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,107 |
| Loan loss allowance to noncurrent loans | 63.2341% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.1772% | 2,249 |
| Noncurrent loans to loans | 1.7771% | 3,100 |
| Net loans and leases to total assets | 90.5997% | 157 |
| Net loans and leases to deposits | 107.3771% | 1,013 |
| Net loans and leases to core deposits | 122.4697% | 2,457 |
| Total domestic deposits to total assets | 84.3753% | 3,141 |
| Equity capital to assets | 8.7329% | 5,757 |
| Core capital (leverage) ratio | 8.4861% | 5,604 |
| Tier 1 risk-based capital ratio | 9.2419% | 7,579 |
| Total risk-based capital ratio | 10.3911% | 7,643 |
| Memoranda: | ||
| Average total assets | $797,135,600 | 848 |
| Average earning assets | $724,896,600 | 841 |
| Average equity | $71,215,800 | 933 |
| Average total loans | $672,975,400 | 706 |