Home > Ohio Heritage Bank > Performance and Condition Ratios
Ohio Heritage Bank, Performance and Condition Ratios
| 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 | 3.9245% | 4,041 |
| Cost of funding earning assets | 0.9923% | 264 |
| Net interest margin | 2.9322% | 5,674 |
| Noninterest income to average assets | 0.4164% | 4,121 |
| Noninterest expense to average assets | 2.2732% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5715% | 4,493 |
| Return on assets (ROA) | 0.5715% | 4,601 |
| Pretax return on assets | 0.8097% | 4,232 |
| Return on Equity (ROE) | 5.6616% | 4,349 |
| Retained earnings to average equity (ytd only) | 4.0779% | 3,578 |
| Net charge-offs to loans | -0.0253% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7361% | 3,024 |
| Assets per employee ($millions) | 3.8059% | 4,241 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 2,395 |
| Loan loss allowance to noncurrent loans | 204.8084% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 4,068 |
| Noncurrent loans to loans | 0.7902% | 3,719 |
| Net loans and leases to total assets | 72.2166% | 1,702 |
| Net loans and leases to deposits | 99.7109% | 571 |
| Net loans and leases to core deposits | 102.2622% | 1,115 |
| Total domestic deposits to total assets | 72.4260% | 6,220 |
| Equity capital to assets | 10.3984% | 3,564 |
| Core capital (leverage) ratio | 10.4134% | 3,070 |
| Tier 1 risk-based capital ratio | 18.6433% | 2,021 |
| Total risk-based capital ratio | 18.8388% | 2,356 |
| Memoranda: | ||
| Average total assets | $250,216,330 | 2,539 |
| Average earning assets | $227,546,330 | 2,570 |
| Average equity | $25,258,000 | 2,630 |
| Average total loans | $181,770,000 | 2,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,933 |
| Cost of funding earning assets | 1.0009% | 274 |
| Net interest margin | 2.9380% | 5,675 |
| Noninterest income to average assets | 0.4165% | 4,058 |
| Noninterest expense to average assets | 2.2668% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5818% | 4,285 |
| Return on assets (ROA) | 0.5818% | 4,355 |
| Pretax return on assets | 0.8234% | 4,009 |
| Return on Equity (ROE) | 5.8501% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.6533% | 4,484 |
| Net charge-offs to loans | -0.0044% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3539% | 3,249 |
| Assets per employee ($millions) | 3.6010% | 4,717 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,701 |
| Loan loss allowance to noncurrent loans | 223.9447% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 4,431 |
| Noncurrent loans to loans | 0.7148% | 4,083 |
| Net loans and leases to total assets | 71.1598% | 1,704 |
| Net loans and leases to deposits | 98.1994% | 527 |
| Net loans and leases to core deposits | 102.9702% | 927 |
| Total domestic deposits to total assets | 72.4646% | 6,339 |
| Equity capital to assets | 9.9854% | 3,862 |
| Core capital (leverage) ratio | 10.2246% | 3,255 |
| Tier 1 risk-based capital ratio | 18.1652% | 2,225 |
| Total risk-based capital ratio | 19.4251% | 2,192 |
| Memoranda: | ||
| Average total assets | $251,632,000 | 2,541 |
| Average earning assets | $229,001,000 | 2,566 |
| Average equity | $25,025,000 | 2,643 |
| Average total loans | $181,859,000 | 2,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 4,012 |
| Cost of funding earning assets | 1.0804% | 315 |
| Net interest margin | 2.9416% | 5,703 |
| Noninterest income to average assets | 0.4574% | 4,039 |
| Noninterest expense to average assets | 2.3646% | 5,185 |
| Loan and lease loss provision to assets | 0.0079% | 4,966 |
| Net operating income to assets | 0.5315% | 4,592 |
| Return on assets (ROA) | 0.5610% | 4,568 |
| Pretax return on assets | 0.7970% | 4,155 |
| Return on Equity (ROE) | 5.7773% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.5602% | 2,918 |
| Net charge-offs to loans | 0.0447% | 4,594 |
| Credit loss provision to net charge-offs | 25.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,374 |
| Efficiency ratio | 75.6110% | 2,843 |
| Assets per employee ($millions) | 3.5885% | 4,713 |
| Cash dividends to net income (ytd only)* | 21.0674% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,732 |
| Loan loss allowance to noncurrent loans | 246.4920% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 4,555 |
| Noncurrent loans to loans | 0.6520% | 4,334 |
| Net loans and leases to total assets | 71.0652% | 1,827 |
| Net loans and leases to deposits | 98.9496% | 541 |
| Net loans and leases to core deposits | 102.7348% | 989 |
| Total domestic deposits to total assets | 71.8196% | 6,432 |
| Equity capital to assets | 9.9046% | 3,896 |
| Core capital (leverage) ratio | 10.1833% | 3,317 |
| Tier 1 risk-based capital ratio | 18.1320% | 2,207 |
| Total risk-based capital ratio | 19.3843% | 2,166 |
| Memoranda: | ||
| Average total assets | $253,826,600 | 2,495 |
| Average earning assets | $230,387,000 | 2,510 |
| Average equity | $24,648,200 | 2,662 |
| Average total loans | $179,128,400 | 2,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 4,081 |
| Cost of funding earning assets | 1.0951% | 322 |
| Net interest margin | 2.9179% | 5,770 |
| Noninterest income to average assets | 0.4679% | 4,015 |
| Noninterest expense to average assets | 2.3922% | 5,049 |
| Loan and lease loss provision to assets | 0.0105% | 4,781 |
| Net operating income to assets | 0.5009% | 4,784 |
| Return on assets (ROA) | 0.5402% | 4,765 |
| Pretax return on assets | 0.7681% | 4,431 |
| Return on Equity (ROE) | 5.5901% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.5057% | 3,469 |
| Net charge-offs to loans | 0.0642% | 3,996 |
| Credit loss provision to net charge-offs | 23.2558% | 4,013 |
| Earnings coverage of net charge-offs (x) | 16.0354% | 1,830 |
| Efficiency ratio | 76.8040% | 2,594 |
| Assets per employee ($millions) | 3.5215% | 4,804 |
| Cash dividends to net income (ytd only)* | 19.3987% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 2,901 |
| Loan loss allowance to noncurrent loans | 274.5283% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 4,915 |
| Noncurrent loans to loans | 0.5918% | 4,719 |
| Net loans and leases to total assets | 70.4800% | 1,872 |
| Net loans and leases to deposits | 98.9639% | 518 |
| Net loans and leases to core deposits | 101.9096% | 996 |
| Total domestic deposits to total assets | 71.2179% | 6,538 |
| Equity capital to assets | 9.8049% | 4,175 |
| Core capital (leverage) ratio | 9.9954% | 3,686 |
| Tier 1 risk-based capital ratio | 18.1789% | 2,257 |
| Total risk-based capital ratio | 18.8429% | 2,448 |
| Memoranda: | ||
| Average total assets | $254,484,250 | 2,504 |
| Average earning assets | $230,842,250 | 2,525 |
| Average equity | $24,590,250 | 2,699 |
| Average total loans | $178,553,250 | 2,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,971 |
| Cost of funding earning assets | 1.1051% | 328 |
| Net interest margin | 2.9329% | 5,719 |
| Noninterest income to average assets | 0.4883% | 3,906 |
| Noninterest expense to average assets | 2.4604% | 4,869 |
| Loan and lease loss provision to assets | 0.0156% | 4,581 |
| Net operating income to assets | 0.4720% | 4,919 |
| Return on assets (ROA) | 0.5305% | 4,829 |
| Pretax return on assets | 0.7563% | 4,483 |
| Return on Equity (ROE) | 5.5169% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.5169% | 2,729 |
| Net charge-offs to loans | 0.0135% | 4,579 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 73.4167% | 613 |
| Efficiency ratio | 78.1390% | 2,433 |
| Assets per employee ($millions) | 3.3810% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 2,900 |
| Loan loss allowance to noncurrent loans | 301.4141% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 4,971 |
| Noncurrent loans to loans | 0.5538% | 4,875 |
| Net loans and leases to total assets | 69.3243% | 2,013 |
| Net loans and leases to deposits | 97.7991% | 552 |
| Net loans and leases to core deposits | 100.9812% | 1,010 |
| Total domestic deposits to total assets | 70.8844% | 6,624 |
| Equity capital to assets | 9.7730% | 4,210 |
| Core capital (leverage) ratio | 9.8994% | 3,654 |
| Tier 1 risk-based capital ratio | 18.0157% | 2,313 |
| Total risk-based capital ratio | 19.2771% | 2,274 |
| Memoranda: | ||
| Average total assets | $255,970,000 | 2,497 |
| Average earning assets | $232,191,000 | 2,516 |
| Average equity | $24,615,330 | 2,706 |
| Average total loans | $178,361,330 | 2,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 3,839 |
| Cost of funding earning assets | 1.1236% | 330 |
| Net interest margin | 2.9471% | 5,713 |
| Noninterest income to average assets | 0.4308% | 4,245 |
| Noninterest expense to average assets | 2.6240% | 4,323 |
| Loan and lease loss provision to assets | 0.0311% | 4,063 |
| Net operating income to assets | 0.3210% | 5,491 |
| Return on assets (ROA) | 0.4386% | 5,131 |
| Pretax return on assets | 0.6113% | 4,907 |
| Return on Equity (ROE) | 4.5981% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.5981% | 3,478 |
| Net charge-offs to loans | 0.0539% | 3,284 |
| Credit loss provision to net charge-offs | 83.3333% | 2,115 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 1,568 |
| Efficiency ratio | 84.5614% | 1,696 |
| Assets per employee ($millions) | 3.6578% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 3,141 |
| Loan loss allowance to noncurrent loans | 551.3915% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 5,551 |
| Noncurrent loans to loans | 0.3025% | 5,645 |
| Net loans and leases to total assets | 68.4321% | 1,934 |
| Net loans and leases to deposits | 96.0436% | 541 |
| Net loans and leases to core deposits | 98.8363% | 1,020 |
| Total domestic deposits to total assets | 71.2511% | 6,693 |
| Equity capital to assets | 9.6127% | 4,691 |
| Core capital (leverage) ratio | 9.6736% | 3,825 |
| Tier 1 risk-based capital ratio | 17.6529% | 2,502 |
| Total risk-based capital ratio | 18.9152% | 2,459 |
| Memoranda: | ||
| Average total assets | $257,167,500 | 2,522 |
| Average earning assets | $233,175,500 | 2,537 |
| Average equity | $24,532,000 | 2,755 |
| Average total loans | $178,155,500 | 2,234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 4,077 |
| Cost of funding earning assets | 1.3017% | 370 |
| Net interest margin | 3.0312% | 5,973 |
| Noninterest income to average assets | 0.4580% | 4,194 |
| Noninterest expense to average assets | 2.2777% | 5,749 |
| Loan and lease loss provision to assets | 0.1593% | 3,624 |
| Net operating income to assets | 0.5531% | 4,462 |
| Return on assets (ROA) | 0.5637% | 4,667 |
| Pretax return on assets | 0.7923% | 4,324 |
| Return on Equity (ROE) | 6.3230% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.9026% | 2,141 |
| Net charge-offs to loans | 0.1423% | 4,270 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,219 |
| Efficiency ratio | 70.8605% | 3,645 |
| Assets per employee ($millions) | 3.5873% | 4,807 |
| Cash dividends to net income (ytd only)* | 6.6489% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 3,035 |
| Loan loss allowance to noncurrent loans | 326.3158% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 5,171 |
| Noncurrent loans to loans | 0.5120% | 5,250 |
| Net loans and leases to total assets | 67.8098% | 2,212 |
| Net loans and leases to deposits | 95.6371% | 645 |
| Net loans and leases to core deposits | 98.4447% | 1,114 |
| Total domestic deposits to total assets | 70.9033% | 6,749 |
| Equity capital to assets | 9.4666% | 4,916 |
| Core capital (leverage) ratio | 9.2692% | 4,473 |
| Tier 1 risk-based capital ratio | 17.1163% | 2,595 |
| Total risk-based capital ratio | 18.3748% | 2,562 |
| Memoranda: | ||
| Average total assets | $266,808,200 | 2,375 |
| Average earning assets | $242,611,200 | 2,389 |
| Average equity | $23,786,000 | 2,768 |
| Average total loans | $179,180,200 | 2,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 4,271 |
| Cost of funding earning assets | 1.3345% | 383 |
| Net interest margin | 3.0116% | 6,148 |
| Noninterest income to average assets | 0.4675% | 4,159 |
| Noninterest expense to average assets | 2.2582% | 5,799 |
| Loan and lease loss provision to assets | 0.1760% | 3,376 |
| Net operating income to assets | 0.5501% | 4,625 |
| Return on assets (ROA) | 0.5642% | 4,821 |
| Pretax return on assets | 0.7942% | 4,505 |
| Return on Equity (ROE) | 6.4239% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.4239% | 2,417 |
| Net charge-offs to loans | 0.1768% | 3,692 |
| Credit loss provision to net charge-offs | 149.1597% | 1,894 |
| Earnings coverage of net charge-offs (x) | 8.0545% | 2,511 |
| Efficiency ratio | 70.3801% | 3,614 |
| Assets per employee ($millions) | 3.7371% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 3,396 |
| Loan loss allowance to noncurrent loans | 487.9800% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 5,756 |
| Noncurrent loans to loans | 0.3349% | 5,803 |
| Net loans and leases to total assets | 66.3128% | 2,592 |
| Net loans and leases to deposits | 94.2992% | 766 |
| Net loans and leases to core deposits | 97.3116% | 1,310 |
| Total domestic deposits to total assets | 70.3217% | 6,825 |
| Equity capital to assets | 9.1424% | 5,658 |
| Core capital (leverage) ratio | 9.0125% | 5,046 |
| Tier 1 risk-based capital ratio | 16.6946% | 2,901 |
| Total risk-based capital ratio | 17.9542% | 2,856 |
| Memoranda: | ||
| Average total assets | $268,938,500 | 2,377 |
| Average earning assets | $244,783,750 | 2,404 |
| Average equity | $23,619,750 | 2,810 |
| Average total loans | $179,445,250 | 2,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 4,304 |
| Cost of funding earning assets | 1.3679% | 395 |
| Net interest margin | 3.0027% | 6,241 |
| Noninterest income to average assets | 0.4746% | 4,098 |
| Noninterest expense to average assets | 2.2670% | 5,825 |
| Loan and lease loss provision to assets | 0.1962% | 3,119 |
| Net operating income to assets | 0.5298% | 4,675 |
| Return on assets (ROA) | 0.5508% | 4,861 |
| Pretax return on assets | 0.7744% | 4,562 |
| Return on Equity (ROE) | 6.3571% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,466 |
| Net charge-offs to loans | 0.2238% | 3,234 |
| Credit loss provision to net charge-offs | 131.8408% | 2,080 |
| Earnings coverage of net charge-offs (x) | 6.3234% | 2,658 |
| Efficiency ratio | 70.6670% | 3,662 |
| Assets per employee ($millions) | 3.6920% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,596 |
| Loan loss allowance to noncurrent loans | 381.6489% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 5,659 |
| Noncurrent loans to loans | 0.4200% | 5,694 |
| Net loans and leases to total assets | 65.3746% | 2,794 |
| Net loans and leases to deposits | 93.9456% | 777 |
| Net loans and leases to core deposits | 96.9265% | 1,358 |
| Total domestic deposits to total assets | 69.5877% | 6,924 |
| Equity capital to assets | 8.8403% | 5,866 |
| Core capital (leverage) ratio | 8.7811% | 5,250 |
| Tier 1 risk-based capital ratio | 16.3589% | 2,977 |
| Total risk-based capital ratio | 17.6179% | 2,947 |
| Memoranda: | ||
| Average total assets | $270,139,670 | 2,373 |
| Average earning assets | $245,915,670 | 2,387 |
| Average equity | $23,407,000 | 2,817 |
| Average total loans | $179,635,670 | 2,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 4,005 |
| Cost of funding earning assets | 1.4160% | 405 |
| Net interest margin | 3.0629% | 6,149 |
| Noninterest income to average assets | 0.4511% | 4,285 |
| Noninterest expense to average assets | 2.3561% | 5,609 |
| Loan and lease loss provision to assets | 0.2958% | 2,111 |
| Net operating income to assets | 0.4232% | 5,153 |
| Return on assets (ROA) | 0.4467% | 5,243 |
| Pretax return on assets | 0.6182% | 5,054 |
| Return on Equity (ROE) | 5.2075% | 4,689 |
| Retained earnings to average equity (ytd only) | 5.2075% | 3,432 |
| Net charge-offs to loans | 0.3779% | 2,171 |
| Credit loss provision to net charge-offs | 117.6471% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.5059% | 2,816 |
| Efficiency ratio | 72.7730% | 3,297 |
| Assets per employee ($millions) | 3.8130% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 3,719 |
| Loan loss allowance to noncurrent loans | 516.5756% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 5,810 |
| Noncurrent loans to loans | 0.3098% | 6,062 |
| Net loans and leases to total assets | 64.4219% | 2,783 |
| Net loans and leases to deposits | 93.3021% | 708 |
| Net loans and leases to core deposits | 96.3052% | 1,274 |
| Total domestic deposits to total assets | 69.0466% | 7,021 |
| Equity capital to assets | 8.6107% | 5,983 |
| Core capital (leverage) ratio | 8.6365% | 5,399 |
| Tier 1 risk-based capital ratio | 16.0337% | 3,160 |
| Total risk-based capital ratio | 17.2567% | 3,142 |
| Memoranda: | ||
| Average total assets | $270,451,500 | 2,379 |
| Average earning assets | $246,041,500 | 2,401 |
| Average equity | $23,197,500 | 2,832 |
| Average total loans | $179,921,000 | 2,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 4,235 |
| Cost of funding earning assets | 1.7064% | 315 |
| Net interest margin | 2.9966% | 6,537 |
| Noninterest income to average assets | 0.4777% | 4,008 |
| Noninterest expense to average assets | 2.4210% | 5,716 |
| Loan and lease loss provision to assets | 0.2180% | 4,013 |
| Net operating income to assets | 0.4214% | 4,767 |
| Return on assets (ROA) | 0.4225% | 4,955 |
| Pretax return on assets | 0.5593% | 4,808 |
| Return on Equity (ROE) | 5.2255% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.2255% | 2,494 |
| Net charge-offs to loans | 0.2313% | 4,334 |
| Credit loss provision to net charge-offs | 137.5286% | 2,160 |
| Earnings coverage of net charge-offs (x) | 4.8947% | 2,951 |
| Efficiency ratio | 75.7318% | 2,924 |
| Assets per employee ($millions) | 3.7525% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,843 |
| Loan loss allowance to noncurrent loans | 449.6795% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 5,643 |
| Noncurrent loans to loans | 0.3417% | 6,047 |
| Net loans and leases to total assets | 66.5464% | 2,677 |
| Net loans and leases to deposits | 97.4742% | 588 |
| Net loans and leases to core deposits | 100.9608% | 1,095 |
| Total domestic deposits to total assets | 68.2708% | 7,062 |
| Equity capital to assets | 8.5438% | 6,081 |
| Core capital (leverage) ratio | 8.5188% | 5,529 |
| Tier 1 risk-based capital ratio | 15.1592% | 3,544 |
| Total risk-based capital ratio | 16.4164% | 3,503 |
| Memoranda: | ||
| Average total assets | $275,710,800 | 2,298 |
| Average earning assets | $250,183,000 | 2,301 |
| Average equity | $22,294,400 | 2,863 |
| Average total loans | $188,910,200 | 2,144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 4,562 |
| Cost of funding earning assets | 1.7614% | 302 |
| Net interest margin | 2.9155% | 6,730 |
| Noninterest income to average assets | 0.4821% | 4,021 |
| Noninterest expense to average assets | 2.4352% | 5,674 |
| Loan and lease loss provision to assets | 0.2026% | 3,993 |
| Net operating income to assets | 0.3796% | 5,083 |
| Return on assets (ROA) | 0.3830% | 5,257 |
| Pretax return on assets | 0.4937% | 5,184 |
| Return on Equity (ROE) | 4.8030% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.8030% | 3,310 |
| Net charge-offs to loans | 0.2485% | 3,877 |
| Credit loss provision to net charge-offs | 118.5915% | 2,752 |
| Earnings coverage of net charge-offs (x) | 4.0507% | 3,197 |
| Efficiency ratio | 77.8735% | 2,563 |
| Assets per employee ($millions) | 3.8886% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 4,331 |
| Loan loss allowance to noncurrent loans | 102.3819% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 4,171 |
| Noncurrent loans to loans | 1.4168% | 4,165 |
| Net loans and leases to total assets | 68.5687% | 2,363 |
| Net loans and leases to deposits | 101.6386% | 406 |
| Net loans and leases to core deposits | 106.4269% | 843 |
| Total domestic deposits to total assets | 67.4633% | 7,162 |
| Equity capital to assets | 8.4622% | 6,337 |
| Core capital (leverage) ratio | 8.3725% | 5,892 |
| Tier 1 risk-based capital ratio | 14.7845% | 3,787 |
| Total risk-based capital ratio | 16.0411% | 3,758 |
| Memoranda: | ||
| Average total assets | $277,092,750 | 2,302 |
| Average earning assets | $251,389,500 | 2,305 |
| Average equity | $22,097,000 | 2,879 |
| Average total loans | $190,487,000 | 2,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 4,757 |
| Cost of funding earning assets | 1.8092% | 299 |
| Net interest margin | 2.8410% | 6,874 |
| Noninterest income to average assets | 0.5185% | 3,718 |
| Noninterest expense to average assets | 2.4534% | 5,690 |
| Loan and lease loss provision to assets | 0.2393% | 3,522 |
| Net operating income to assets | 0.3276% | 5,264 |
| Return on assets (ROA) | 0.3328% | 5,377 |
| Pretax return on assets | 0.4085% | 5,370 |
| Return on Equity (ROE) | 4.2568% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.2568% | 3,486 |
| Net charge-offs to loans | 0.3442% | 3,185 |
| Credit loss provision to net charge-offs | 101.5152% | 3,057 |
| Earnings coverage of net charge-offs (x) | 2.7212% | 3,481 |
| Efficiency ratio | 79.2753% | 2,509 |
| Assets per employee ($millions) | 3.9257% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,573 |
| Loan loss allowance to noncurrent loans | 88.9150% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 4,000 |
| Noncurrent loans to loans | 1.5733% | 4,043 |
| Net loans and leases to total assets | 67.8962% | 2,636 |
| Net loans and leases to deposits | 100.4701% | 471 |
| Net loans and leases to core deposits | 108.0341% | 817 |
| Total domestic deposits to total assets | 67.5785% | 7,215 |
| Equity capital to assets | 8.1129% | 6,594 |
| Core capital (leverage) ratio | 8.0735% | 6,204 |
| Tier 1 risk-based capital ratio | 14.3090% | 3,927 |
| Total risk-based capital ratio | 15.5227% | 3,940 |
| Memoranda: | ||
| Average total assets | $280,019,670 | 2,292 |
| Average earning assets | $253,921,670 | 2,295 |
| Average equity | $21,894,330 | 2,889 |
| Average total loans | $191,754,000 | 2,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 4,839 |
| Cost of funding earning assets | 1.8411% | 324 |
| Net interest margin | 2.7858% | 6,928 |
| Noninterest income to average assets | 0.5505% | 3,507 |
| Noninterest expense to average assets | 2.5517% | 5,382 |
| Loan and lease loss provision to assets | 0.4034% | 2,176 |
| Net operating income to assets | 0.1429% | 5,963 |
| Return on assets (ROA) | 0.1429% | 6,019 |
| Pretax return on assets | 0.1203% | 6,128 |
| Return on Equity (ROE) | 1.8622% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.8622% | 4,999 |
| Net charge-offs to loans | 0.5968% | 2,001 |
| Credit loss provision to net charge-offs | 98.9583% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.2847% | 3,705 |
| Efficiency ratio | 82.9728% | 2,083 |
| Assets per employee ($millions) | 4.0756% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,771 |
| Loan loss allowance to noncurrent loans | 93.5484% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 3,992 |
| Noncurrent loans to loans | 1.4741% | 4,258 |
| Net loans and leases to total assets | 68.1018% | 2,529 |
| Net loans and leases to deposits | 101.3979% | 408 |
| Net loans and leases to core deposits | 109.5473% | 750 |
| Total domestic deposits to total assets | 67.1629% | 7,295 |
| Equity capital to assets | 7.8570% | 6,629 |
| Core capital (leverage) ratio | 7.8493% | 6,420 |
| Tier 1 risk-based capital ratio | 13.6091% | 4,352 |
| Total risk-based capital ratio | 14.8640% | 4,318 |
| Memoranda: | ||
| Average total assets | $282,631,500 | 2,283 |
| Average earning assets | $256,152,000 | 2,302 |
| Average equity | $21,694,500 | 2,903 |
| Average total loans | $193,019,500 | 2,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 5,306 |
| Cost of funding earning assets | 2.2247% | 279 |
| Net interest margin | 2.6066% | 7,200 |
| Noninterest income to average assets | 0.3966% | 4,931 |
| Noninterest expense to average assets | 2.2012% | 6,610 |
| Loan and lease loss provision to assets | 0.6043% | 2,717 |
| Net operating income to assets | -0.0230% | 5,884 |
| Return on assets (ROA) | 0.0526% | 5,838 |
| Pretax return on assets | 0.0310% | 5,832 |
| Return on Equity (ROE) | 0.7108% | 5,779 |
| Retained earnings to average equity (ytd only) | 0.7108% | 5,207 |
| Net charge-offs to loans | 0.7588% | 2,741 |
| Credit loss provision to net charge-offs | 116.2198% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.0764% | 5,037 |
| Efficiency ratio | 79.7273% | 2,453 |
| Assets per employee ($millions) | 4.0581% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,710 |
| Loan loss allowance to noncurrent loans | 76.0069% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 3,684 |
| Noncurrent loans to loans | 1.7857% | 3,837 |
| Net loans and leases to total assets | 66.6454% | 3,320 |
| Net loans and leases to deposits | 98.5830% | 668 |
| Net loans and leases to core deposits | 109.2724% | 966 |
| Total domestic deposits to total assets | 67.6033% | 7,335 |
| Equity capital to assets | 7.5017% | 6,876 |
| Core capital (leverage) ratio | 7.5616% | 6,651 |
| Tier 1 risk-based capital ratio | 13.4338% | 4,267 |
| Total risk-based capital ratio | 14.6887% | 4,231 |
| Memoranda: | ||
| Average total assets | $286,930,600 | 2,232 |
| Average earning assets | $260,261,000 | 2,255 |
| Average equity | $21,244,600 | 2,976 |
| Average total loans | $196,617,600 | 2,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 5,405 |
| Cost of funding earning assets | 2.2954% | 281 |
| Net interest margin | 2.5719% | 7,335 |
| Noninterest income to average assets | 0.3875% | 5,058 |
| Noninterest expense to average assets | 2.2272% | 6,536 |
| Loan and lease loss provision to assets | 0.5628% | 2,693 |
| Net operating income to assets | -0.0498% | 6,100 |
| Return on assets (ROA) | 0.0502% | 6,015 |
| Pretax return on assets | 0.0298% | 6,044 |
| Return on Equity (ROE) | 0.6808% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.6808% | 5,529 |
| Net charge-offs to loans | 0.6433% | 2,822 |
| Credit loss provision to net charge-offs | 127.2345% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.1136% | 4,942 |
| Efficiency ratio | 81.8881% | 2,070 |
| Assets per employee ($millions) | 4.3236% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,726 |
| Loan loss allowance to noncurrent loans | 67.2314% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 3,507 |
| Noncurrent loans to loans | 2.0023% | 3,673 |
| Net loans and leases to total assets | 67.2674% | 3,391 |
| Net loans and leases to deposits | 100.3817% | 630 |
| Net loans and leases to core deposits | 114.8053% | 804 |
| Total domestic deposits to total assets | 67.0116% | 7,430 |
| Equity capital to assets | 7.4203% | 7,172 |
| Core capital (leverage) ratio | 7.4405% | 6,887 |
| Tier 1 risk-based capital ratio | 13.0162% | 4,567 |
| Total risk-based capital ratio | 14.2694% | 4,539 |
| Memoranda: | ||
| Average total assets | $286,632,750 | 2,267 |
| Average earning assets | $259,933,500 | 2,290 |
| Average equity | $21,152,250 | 3,029 |
| Average total loans | $197,106,500 | 2,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 5,516 |
| Cost of funding earning assets | 2.3430% | 293 |
| Net interest margin | 2.5298% | 7,398 |
| Noninterest income to average assets | 0.4117% | 4,812 |
| Noninterest expense to average assets | 2.1812% | 6,692 |
| Loan and lease loss provision to assets | 0.5630% | 2,522 |
| Net operating income to assets | -0.0147% | 6,098 |
| Return on assets (ROA) | 0.0441% | 6,106 |
| Pretax return on assets | 0.0203% | 6,120 |
| Return on Equity (ROE) | 0.5989% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.5989% | 5,520 |
| Net charge-offs to loans | 0.6133% | 2,694 |
| Credit loss provision to net charge-offs | 133.1126% | 3,022 |
| Earnings coverage of net charge-offs (x) | 1.2401% | 4,577 |
| Efficiency ratio | 80.6159% | 2,354 |
| Assets per employee ($millions) | 4.1747% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 4,806 |
| Loan loss allowance to noncurrent loans | 57.0050% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.1961% | 3,262 |
| Noncurrent loans to loans | 2.3162% | 3,351 |
| Net loans and leases to total assets | 67.4578% | 3,507 |
| Net loans and leases to deposits | 102.2791% | 581 |
| Net loans and leases to core deposits | 117.9547% | 770 |
| Total domestic deposits to total assets | 65.9546% | 7,529 |
| Equity capital to assets | 7.4451% | 7,145 |
| Core capital (leverage) ratio | 7.3704% | 6,941 |
| Tier 1 risk-based capital ratio | 12.6447% | 4,738 |
| Total risk-based capital ratio | 13.8986% | 4,703 |
| Memoranda: | ||
| Average total assets | $285,617,670 | 2,296 |
| Average earning assets | $258,989,670 | 2,314 |
| Average equity | $21,038,000 | 3,038 |
| Average total loans | $196,969,330 | 2,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 5,613 |
| Cost of funding earning assets | 2.3715% | 334 |
| Net interest margin | 2.4970% | 7,478 |
| Noninterest income to average assets | 0.4177% | 4,751 |
| Noninterest expense to average assets | 2.1786% | 6,743 |
| Loan and lease loss provision to assets | 0.5823% | 2,172 |
| Net operating income to assets | -0.0534% | 6,372 |
| Return on assets (ROA) | 0.0450% | 6,285 |
| Pretax return on assets | 0.0225% | 6,312 |
| Return on Equity (ROE) | 0.6144% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.6144% | 5,577 |
| Net charge-offs to loans | 0.4406% | 2,726 |
| Credit loss provision to net charge-offs | 190.7834% | 1,932 |
| Earnings coverage of net charge-offs (x) | 1.6590% | 3,740 |
| Efficiency ratio | 81.1420% | 2,396 |
| Assets per employee ($millions) | 4.2915% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,798 |
| Loan loss allowance to noncurrent loans | 48.8158% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.2651% | 3,192 |
| Noncurrent loans to loans | 2.7152% | 2,946 |
| Net loans and leases to total assets | 66.2511% | 3,795 |
| Net loans and leases to deposits | 101.7611% | 655 |
| Net loans and leases to core deposits | 119.6112% | 802 |
| Total domestic deposits to total assets | 65.1045% | 7,647 |
| Equity capital to assets | 7.3270% | 7,199 |
| Core capital (leverage) ratio | 7.4306% | 6,910 |
| Tier 1 risk-based capital ratio | 12.5576% | 4,687 |
| Total risk-based capital ratio | 13.8112% | 4,653 |
| Memoranda: | ||
| Average total assets | $284,399,500 | 2,352 |
| Average earning assets | $258,228,500 | 2,365 |
| Average equity | $20,834,000 | 3,085 |
| Average total loans | $196,996,500 | 2,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 4,275 |
| Cost of funding earning assets | 2.6643% | 643 |
| Net interest margin | 2.8135% | 7,038 |
| Noninterest income to average assets | 0.4327% | 4,932 |
| Noninterest expense to average assets | 2.4094% | 6,439 |
| Loan and lease loss provision to assets | 0.6707% | 3,135 |
| Net operating income to assets | -0.0269% | 5,543 |
| Return on assets (ROA) | 0.0165% | 5,485 |
| Pretax return on assets | -0.0284% | 5,493 |
| Return on Equity (ROE) | 0.2134% | 5,466 |
| Retained earnings to average equity (ytd only) | 0.2134% | 4,786 |
| Net charge-offs to loans | 0.6725% | 3,167 |
| Credit loss provision to net charge-offs | 133.0798% | 3,755 |
| Earnings coverage of net charge-offs (x) | 1.1399% | 4,979 |
| Efficiency ratio | 80.7475% | 2,781 |
| Assets per employee ($millions) | 4.0141% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 5,283 |
| Loan loss allowance to noncurrent loans | 49.8442% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0796% | 3,302 |
| Noncurrent loans to loans | 2.4311% | 3,120 |
| Net loans and leases to total assets | 70.6415% | 3,092 |
| Net loans and leases to deposits | 112.4153% | 308 |
| Net loans and leases to core deposits | 141.1312% | 767 |
| Total domestic deposits to total assets | 62.8397% | 7,741 |
| Equity capital to assets | 7.3241% | 7,177 |
| Core capital (leverage) ratio | 7.5569% | 6,731 |
| Tier 1 risk-based capital ratio | 12.0453% | 4,907 |
| Total risk-based capital ratio | 13.2972% | 4,867 |
| Memoranda: | ||
| Average total assets | $260,937,000 | 2,507 |
| Average earning assets | $236,611,400 | 2,536 |
| Average equity | $20,148,000 | 3,171 |
| Average total loans | $195,529,800 | 2,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 4,044 |
| Cost of funding earning assets | 2.7237% | 736 |
| Net interest margin | 2.8450% | 6,973 |
| Noninterest income to average assets | 0.4297% | 5,052 |
| Noninterest expense to average assets | 2.4551% | 6,229 |
| Loan and lease loss provision to assets | 0.7758% | 2,434 |
| Net operating income to assets | -0.1098% | 5,904 |
| Return on assets (ROA) | -0.0514% | 5,854 |
| Pretax return on assets | -0.1308% | 5,885 |
| Return on Equity (ROE) | -0.6563% | 5,879 |
| Retained earnings to average equity (ytd only) | -0.6563% | 5,394 |
| Net charge-offs to loans | 0.8715% | 2,228 |
| Credit loss provision to net charge-offs | 117.3469% | 4,337 |
| Earnings coverage of net charge-offs (x) | 0.8375% | 5,218 |
| Efficiency ratio | 81.5971% | 2,637 |
| Assets per employee ($millions) | 3.9576% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,680 |
| Loan loss allowance to noncurrent loans | 42.6287% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.2715% | 3,016 |
| Noncurrent loans to loans | 2.5964% | 2,909 |
| Net loans and leases to total assets | 73.6610% | 2,630 |
| Net loans and leases to deposits | 119.0151% | 222 |
| Net loans and leases to core deposits | 148.5794% | 611 |
| Total domestic deposits to total assets | 61.8922% | 7,823 |
| Equity capital to assets | 7.6351% | 7,202 |
| Core capital (leverage) ratio | 7.6938% | 6,741 |
| Tier 1 risk-based capital ratio | 12.1581% | 4,831 |
| Total risk-based capital ratio | 13.4088% | 4,784 |
| Memoranda: | ||
| Average total assets | $256,927,250 | 2,553 |
| Average earning assets | $232,914,750 | 2,586 |
| Average equity | $20,113,500 | 3,213 |
| Average total loans | $194,897,250 | 2,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 3,956 |
| Cost of funding earning assets | 2.7668% | 860 |
| Net interest margin | 2.8553% | 6,898 |
| Noninterest income to average assets | 0.3997% | 5,286 |
| Noninterest expense to average assets | 2.4950% | 6,141 |
| Loan and lease loss provision to assets | 0.7947% | 2,103 |
| Net operating income to assets | -0.1650% | 6,127 |
| Return on assets (ROA) | -0.1644% | 6,150 |
| Pretax return on assets | -0.3021% | 6,240 |
| Return on Equity (ROE) | -2.0827% | 6,235 |
| Retained earnings to average equity (ytd only) | -2.0827% | 5,766 |
| Net charge-offs to loans | 0.7793% | 2,118 |
| Credit loss provision to net charge-offs | 133.5979% | 3,489 |
| Earnings coverage of net charge-offs (x) | 0.8267% | 4,917 |
| Efficiency ratio | 83.5353% | 2,535 |
| Assets per employee ($millions) | 3.6208% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,334 |
| Loan loss allowance to noncurrent loans | 71.0990% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5875% | 3,831 |
| Noncurrent loans to loans | 1.6028% | 4,095 |
| Net loans and leases to total assets | 74.8788% | 2,471 |
| Net loans and leases to deposits | 123.7199% | 183 |
| Net loans and leases to core deposits | 152.7887% | 586 |
| Total domestic deposits to total assets | 60.5229% | 7,922 |
| Equity capital to assets | 7.8373% | 6,932 |
| Core capital (leverage) ratio | 7.9214% | 6,452 |
| Tier 1 risk-based capital ratio | 12.4334% | 4,574 |
| Total risk-based capital ratio | 13.6892% | 4,493 |
| Memoranda: | ||
| Average total assets | $254,183,670 | 2,587 |
| Average earning assets | $230,305,330 | 2,628 |
| Average equity | $20,069,670 | 3,231 |
| Average total loans | $194,028,330 | 2,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 4,138 |
| Cost of funding earning assets | 2.8176% | 938 |
| Net interest margin | 2.8176% | 6,958 |
| Noninterest income to average assets | 0.3007% | 6,035 |
| Noninterest expense to average assets | 2.5133% | 5,791 |
| Loan and lease loss provision to assets | 1.3136% | 981 |
| Net operating income to assets | -0.6062% | 6,972 |
| Return on assets (ROA) | -0.6062% | 7,013 |
| Pretax return on assets | -0.9702% | 7,140 |
| Return on Equity (ROE) | -7.6483% | 7,211 |
| Retained earnings to average equity (ytd only) | -7.6483% | 6,875 |
| Net charge-offs to loans | 0.9541% | 1,397 |
| Credit loss provision to net charge-offs | 179.6537% | 2,418 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 4,614 |
| Efficiency ratio | 87.9778% | 1,901 |
| Assets per employee ($millions) | 3.9228% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 4,730 |
| Loan loss allowance to noncurrent loans | 64.6977% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 3,624 |
| Noncurrent loans to loans | 1.8719% | 3,456 |
| Net loans and leases to total assets | 74.6339% | 2,591 |
| Net loans and leases to deposits | 123.4772% | 221 |
| Net loans and leases to core deposits | 150.6849% | 683 |
| Total domestic deposits to total assets | 60.4435% | 7,957 |
| Equity capital to assets | 7.8759% | 6,977 |
| Core capital (leverage) ratio | 7.8526% | 6,687 |
| Tier 1 risk-based capital ratio | 12.4036% | 4,612 |
| Total risk-based capital ratio | 13.6562% | 4,533 |
| Memoranda: | ||
| Average total assets | $252,736,500 | 2,616 |
| Average earning assets | $229,270,000 | 2,656 |
| Average equity | $20,030,500 | 3,257 |
| Average total loans | $193,684,500 | 2,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2723% | 4,110 |
| Cost of funding earning assets | 3.2623% | 1,017 |
| Net interest margin | 3.0100% | 6,884 |
| Noninterest income to average assets | 0.4966% | 4,637 |
| Noninterest expense to average assets | 2.3903% | 6,428 |
| Loan and lease loss provision to assets | 0.2671% | 4,263 |
| Net operating income to assets | 0.4188% | 5,079 |
| Return on assets (ROA) | 0.4206% | 4,890 |
| Pretax return on assets | 0.5751% | 4,768 |
| Return on Equity (ROE) | 5.0716% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.0528% | 3,960 |
| Net charge-offs to loans | 0.1254% | 4,986 |
| Credit loss provision to net charge-offs | 270.0422% | 1,707 |
| Earnings coverage of net charge-offs (x) | 8.4895% | 2,873 |
| Efficiency ratio | 74.0052% | 3,574 |
| Assets per employee ($millions) | 3.7387% | 4,085 |
| Cash dividends to net income (ytd only)* | 59.5238% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 5,951 |
| Loan loss allowance to noncurrent loans | 49.2481% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9278% | 2,548 |
| Noncurrent loans to loans | 2.0490% | 2,699 |
| Net loans and leases to total assets | 76.9561% | 2,391 |
| Net loans and leases to deposits | 128.8065% | 229 |
| Net loans and leases to core deposits | 155.3691% | 678 |
| Total domestic deposits to total assets | 59.7455% | 7,977 |
| Equity capital to assets | 7.9759% | 6,881 |
| Core capital (leverage) ratio | 8.0863% | 6,344 |
| Tier 1 risk-based capital ratio | 12.2383% | 4,642 |
| Total risk-based capital ratio | 13.4525% | 4,557 |
| Memoranda: | ||
| Average total assets | $239,631,200 | 2,659 |
| Average earning assets | $217,606,800 | 2,682 |
| Average equity | $19,875,200 | 3,251 |
| Average total loans | $189,053,000 | 2,403 |