Home > Old Missouri Bank > Performance and Condition Ratios
Old Missouri 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 | 5.0803% | 674 |
| Cost of funding earning assets | 0.6262% | 1,630 |
| Net interest margin | 4.4541% | 814 |
| Noninterest income to average assets | 0.3002% | 5,049 |
| Noninterest expense to average assets | 2.7232% | 3,739 |
| Loan and lease loss provision to assets | 0.4583% | 337 |
| Net operating income to assets | 0.8759% | 3,043 |
| Return on assets (ROA) | 0.8930% | 3,049 |
| Pretax return on assets | 1.4162% | 1,945 |
| Return on Equity (ROE) | 10.2577% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.2577% | 646 |
| Net charge-offs to loans | 0.3572% | 1,130 |
| Credit loss provision to net charge-offs | 145.2785% | 1,626 |
| Earnings coverage of net charge-offs (x) | 5.8572% | 3,184 |
| Efficiency ratio | 59.5755% | 5,248 |
| Assets per employee ($millions) | 4.3325% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,669 |
| Loan loss allowance to noncurrent loans | 387.1269% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 3,645 |
| Noncurrent loans to loans | 0.3344% | 4,900 |
| Net loans and leases to total assets | 89.0612% | 76 |
| Net loans and leases to deposits | 106.7353% | 301 |
| Net loans and leases to core deposits | 124.5224% | 304 |
| Total domestic deposits to total assets | 83.4411% | 3,976 |
| Equity capital to assets | 8.8891% | 5,476 |
| Core capital (leverage) ratio | 8.7447% | 5,388 |
| Tier 1 risk-based capital ratio | 10.6571% | 6,147 |
| Total risk-based capital ratio | 11.9088% | 6,100 |
| Memoranda: | ||
| Average total assets | $174,543,250 | 3,300 |
| Average earning assets | $167,361,250 | 3,216 |
| Average equity | $15,194,750 | 3,818 |
| Average total loans | $154,166,250 | 2,513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 748 |
| Cost of funding earning assets | 0.6219% | 1,719 |
| Net interest margin | 4.3809% | 881 |
| Noninterest income to average assets | 0.2236% | 5,605 |
| Noninterest expense to average assets | 2.5093% | 4,551 |
| Loan and lease loss provision to assets | 0.4322% | 381 |
| Net operating income to assets | 0.9297% | 2,661 |
| Return on assets (ROA) | 0.9555% | 2,617 |
| Pretax return on assets | 1.5203% | 1,480 |
| Return on Equity (ROE) | 11.0560% | 1,725 |
| Retained earnings to average equity (ytd only) | 11.0560% | 531 |
| Net charge-offs to loans | 0.6652% | 578 |
| Credit loss provision to net charge-offs | 74.1107% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.2787% | 3,352 |
| Efficiency ratio | 56.7518% | 5,679 |
| Assets per employee ($millions) | 4.4382% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 4,966 |
| Loan loss allowance to noncurrent loans | 149.9147% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 2,962 |
| Noncurrent loans to loans | 0.7239% | 3,889 |
| Net loans and leases to total assets | 88.0061% | 99 |
| Net loans and leases to deposits | 103.9195% | 366 |
| Net loans and leases to core deposits | 121.1270% | 350 |
| Total domestic deposits to total assets | 84.6868% | 3,646 |
| Equity capital to assets | 8.4944% | 5,805 |
| Core capital (leverage) ratio | 8.7639% | 5,318 |
| Tier 1 risk-based capital ratio | 10.1609% | 6,344 |
| Total risk-based capital ratio | 11.3111% | 6,336 |
| Memoranda: | ||
| Average total assets | $173,513,330 | 3,331 |
| Average earning assets | $166,266,670 | 3,243 |
| Average equity | $14,996,330 | 3,857 |
| Average total loans | $152,129,330 | 2,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 740 |
| Cost of funding earning assets | 0.6221% | 1,789 |
| Net interest margin | 4.3621% | 873 |
| Noninterest income to average assets | 0.1961% | 5,792 |
| Noninterest expense to average assets | 2.5472% | 4,463 |
| Loan and lease loss provision to assets | 0.3544% | 499 |
| Net operating income to assets | 0.9239% | 2,532 |
| Return on assets (ROA) | 0.9239% | 2,605 |
| Pretax return on assets | 1.4697% | 1,515 |
| Return on Equity (ROE) | 10.5919% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.5919% | 821 |
| Net charge-offs to loans | 0.0027% | 3,626 |
| Credit loss provision to net charge-offs | 15,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 772.0000% | 35 |
| Efficiency ratio | 58.2703% | 5,624 |
| Assets per employee ($millions) | 4.3947% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 3,887 |
| Loan loss allowance to noncurrent loans | 133.5738% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 2,535 |
| Noncurrent loans to loans | 1.0057% | 3,410 |
| Net loans and leases to total assets | 87.2825% | 99 |
| Net loans and leases to deposits | 102.9573% | 332 |
| Net loans and leases to core deposits | 120.3312% | 320 |
| Total domestic deposits to total assets | 84.7754% | 3,962 |
| Equity capital to assets | 8.7558% | 5,386 |
| Core capital (leverage) ratio | 9.0100% | 4,995 |
| Tier 1 risk-based capital ratio | 10.6364% | 6,292 |
| Total risk-based capital ratio | 11.8889% | 6,259 |
| Memoranda: | ||
| Average total assets | $169,286,500 | 3,418 |
| Average earning assets | $162,031,000 | 3,323 |
| Average equity | $14,766,000 | 3,906 |
| Average total loans | $147,244,500 | 2,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 585 |
| Cost of funding earning assets | 0.7218% | 1,668 |
| Net interest margin | 4.5210% | 710 |
| Noninterest income to average assets | 0.2329% | 5,679 |
| Noninterest expense to average assets | 2.5432% | 4,633 |
| Loan and lease loss provision to assets | 0.3513% | 899 |
| Net operating income to assets | 1.0476% | 2,127 |
| Return on assets (ROA) | 1.0476% | 2,196 |
| Pretax return on assets | 1.6633% | 1,027 |
| Return on Equity (ROE) | 11.8488% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.8488% | 333 |
| Net charge-offs to loans | 0.1589% | 3,213 |
| Credit loss provision to net charge-offs | 254.1667% | 890 |
| Earnings coverage of net charge-offs (x) | 14.5741% | 1,931 |
| Efficiency ratio | 55.7989% | 5,971 |
| Assets per employee ($millions) | 4.3994% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,033 |
| Loan loss allowance to noncurrent loans | 930.0493% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 4,290 |
| Noncurrent loans to loans | 0.1421% | 5,774 |
| Net loans and leases to total assets | 84.3210% | 233 |
| Net loans and leases to deposits | 99.0257% | 536 |
| Net loans and leases to core deposits | 118.3851% | 363 |
| Total domestic deposits to total assets | 85.1506% | 3,664 |
| Equity capital to assets | 8.6883% | 5,385 |
| Core capital (leverage) ratio | 8.8865% | 5,159 |
| Tier 1 risk-based capital ratio | 10.8089% | 6,260 |
| Total risk-based capital ratio | 12.0603% | 6,209 |
| Memoranda: | ||
| Average total assets | $156,256,800 | 3,614 |
| Average earning assets | $149,481,200 | 3,511 |
| Average equity | $13,815,800 | 4,098 |
| Average total loans | $135,950,200 | 2,760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 574 |
| Cost of funding earning assets | 0.7417% | 1,655 |
| Net interest margin | 4.5154% | 718 |
| Noninterest income to average assets | 0.2536% | 5,620 |
| Noninterest expense to average assets | 2.5185% | 4,661 |
| Loan and lease loss provision to assets | 0.3517% | 910 |
| Net operating income to assets | 1.0725% | 2,110 |
| Return on assets (ROA) | 1.0725% | 2,191 |
| Pretax return on assets | 1.7030% | 1,090 |
| Return on Equity (ROE) | 12.0734% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.0734% | 412 |
| Net charge-offs to loans | 0.1867% | 2,728 |
| Credit loss provision to net charge-offs | 215.4255% | 1,125 |
| Earnings coverage of net charge-offs (x) | 12.5851% | 2,124 |
| Efficiency ratio | 55.0703% | 6,013 |
| Assets per employee ($millions) | 4.1857% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,674 |
| Loan loss allowance to noncurrent loans | 499.1549% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 4,058 |
| Noncurrent loans to loans | 0.2492% | 5,605 |
| Net loans and leases to total assets | 88.4595% | 75 |
| Net loans and leases to deposits | 103.6433% | 309 |
| Net loans and leases to core deposits | 121.9447% | 294 |
| Total domestic deposits to total assets | 85.3499% | 3,562 |
| Equity capital to assets | 8.8629% | 5,341 |
| Core capital (leverage) ratio | 9.1218% | 4,937 |
| Tier 1 risk-based capital ratio | 10.8292% | 6,352 |
| Total risk-based capital ratio | 12.0804% | 6,317 |
| Memoranda: | ||
| Average total assets | $153,526,250 | 3,681 |
| Average earning assets | $146,870,750 | 3,591 |
| Average equity | $13,638,500 | 4,188 |
| Average total loans | $134,224,000 | 2,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 588 |
| Cost of funding earning assets | 0.7657% | 1,614 |
| Net interest margin | 4.4756% | 742 |
| Noninterest income to average assets | 0.2822% | 5,430 |
| Noninterest expense to average assets | 2.5435% | 4,583 |
| Loan and lease loss provision to assets | 0.3362% | 1,019 |
| Net operating income to assets | 1.0588% | 2,083 |
| Return on assets (ROA) | 1.0588% | 2,196 |
| Pretax return on assets | 1.6798% | 1,157 |
| Return on Equity (ROE) | 11.9089% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.9089% | 511 |
| Net charge-offs to loans | 0.0898% | 3,473 |
| Credit loss provision to net charge-offs | 432.2034% | 624 |
| Earnings coverage of net charge-offs (x) | 25.9153% | 1,255 |
| Efficiency ratio | 55.7837% | 5,989 |
| Assets per employee ($millions) | 4.3482% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,554 |
| Loan loss allowance to noncurrent loans | 438.8471% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 4,060 |
| Noncurrent loans to loans | 0.2943% | 5,562 |
| Net loans and leases to total assets | 85.4870% | 165 |
| Net loans and leases to deposits | 99.5558% | 448 |
| Net loans and leases to core deposits | 114.9601% | 418 |
| Total domestic deposits to total assets | 85.8683% | 3,440 |
| Equity capital to assets | 8.8083% | 5,435 |
| Core capital (leverage) ratio | 8.9790% | 5,027 |
| Tier 1 risk-based capital ratio | 10.9723% | 6,345 |
| Total risk-based capital ratio | 12.2257% | 6,317 |
| Memoranda: | ||
| Average total assets | $151,682,670 | 3,737 |
| Average earning assets | $144,964,330 | 3,647 |
| Average equity | $13,485,670 | 4,240 |
| Average total loans | $131,474,330 | 2,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 595 |
| Cost of funding earning assets | 0.7887% | 1,591 |
| Net interest margin | 4.4179% | 783 |
| Noninterest income to average assets | 0.2814% | 5,447 |
| Noninterest expense to average assets | 2.5996% | 4,408 |
| Loan and lease loss provision to assets | 0.3430% | 967 |
| Net operating income to assets | 0.9862% | 2,286 |
| Return on assets (ROA) | 0.9862% | 2,410 |
| Pretax return on assets | 1.5571% | 1,405 |
| Return on Equity (ROE) | 11.0390% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.0390% | 863 |
| Net charge-offs to loans | 0.1823% | 2,307 |
| Credit loss provision to net charge-offs | 216.9492% | 1,025 |
| Earnings coverage of net charge-offs (x) | 12.0169% | 1,633 |
| Efficiency ratio | 57.7725% | 5,876 |
| Assets per employee ($millions) | 4.4238% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,082 |
| Loan loss allowance to noncurrent loans | 498.1595% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 3,954 |
| Noncurrent loans to loans | 0.2453% | 5,801 |
| Net loans and leases to total assets | 87.2840% | 86 |
| Net loans and leases to deposits | 102.2923% | 272 |
| Net loans and leases to core deposits | 113.8433% | 394 |
| Total domestic deposits to total assets | 85.3280% | 3,879 |
| Equity capital to assets | 8.9908% | 5,494 |
| Core capital (leverage) ratio | 9.0408% | 4,820 |
| Tier 1 risk-based capital ratio | 10.8430% | 6,470 |
| Total risk-based capital ratio | 12.0935% | 6,441 |
| Memoranda: | ||
| Average total assets | $149,256,500 | 3,825 |
| Average earning assets | $142,510,500 | 3,720 |
| Average equity | $13,334,500 | 4,323 |
| Average total loans | $129,427,500 | 2,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 586 |
| Cost of funding earning assets | 0.9773% | 1,483 |
| Net interest margin | 4.5533% | 856 |
| Noninterest income to average assets | 0.2755% | 5,489 |
| Noninterest expense to average assets | 2.5157% | 5,050 |
| Loan and lease loss provision to assets | 0.4327% | 1,473 |
| Net operating income to assets | 1.0487% | 2,130 |
| Return on assets (ROA) | 1.0487% | 2,323 |
| Pretax return on assets | 1.6654% | 1,226 |
| Return on Equity (ROE) | 11.8290% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.8290% | 344 |
| Net charge-offs to loans | 0.5856% | 1,975 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 4.1557% | 3,460 |
| Efficiency ratio | 54.5256% | 6,215 |
| Assets per employee ($millions) | 4.6283% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,958 |
| Loan loss allowance to noncurrent loans | 374.6988% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1053% | 3,800 |
| Noncurrent loans to loans | 0.3295% | 5,662 |
| Net loans and leases to total assets | 83.9903% | 214 |
| Net loans and leases to deposits | 97.5455% | 532 |
| Net loans and leases to core deposits | 108.7827% | 576 |
| Total domestic deposits to total assets | 86.1037% | 3,298 |
| Equity capital to assets | 8.8762% | 5,655 |
| Core capital (leverage) ratio | 9.1351% | 4,681 |
| Tier 1 risk-based capital ratio | 10.9652% | 6,361 |
| Total risk-based capital ratio | 12.2168% | 6,324 |
| Memoranda: | ||
| Average total assets | $138,648,600 | 3,972 |
| Average earning assets | $132,101,200 | 3,850 |
| Average equity | $12,291,800 | 4,506 |
| Average total loans | $119,544,600 | 3,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 576 |
| Cost of funding earning assets | 1.0224% | 1,437 |
| Net interest margin | 4.5565% | 890 |
| Noninterest income to average assets | 0.2348% | 5,871 |
| Noninterest expense to average assets | 2.4947% | 5,105 |
| Loan and lease loss provision to assets | 0.4109% | 1,561 |
| Net operating income to assets | 1.0517% | 2,278 |
| Return on assets (ROA) | 1.0517% | 2,494 |
| Pretax return on assets | 1.6719% | 1,354 |
| Return on Equity (ROE) | 11.8668% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.8668% | 551 |
| Net charge-offs to loans | 0.7190% | 1,534 |
| Credit loss provision to net charge-offs | 66.0377% | 4,004 |
| Earnings coverage of net charge-offs (x) | 3.3475% | 3,680 |
| Efficiency ratio | 54.4988% | 6,204 |
| Assets per employee ($millions) | 4.5087% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,440 |
| Loan loss allowance to noncurrent loans | 436.0606% | 871 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 4,078 |
| Noncurrent loans to loans | 0.2680% | 5,949 |
| Net loans and leases to total assets | 87.0724% | 114 |
| Net loans and leases to deposits | 102.2319% | 337 |
| Net loans and leases to core deposits | 112.2008% | 491 |
| Total domestic deposits to total assets | 85.1715% | 3,676 |
| Equity capital to assets | 9.1464% | 5,652 |
| Core capital (leverage) ratio | 8.9831% | 5,093 |
| Tier 1 risk-based capital ratio | 10.8652% | 6,536 |
| Total risk-based capital ratio | 12.0987% | 6,521 |
| Memoranda: | ||
| Average total assets | $136,284,750 | 4,057 |
| Average earning assets | $129,890,500 | 3,942 |
| Average equity | $12,078,250 | 4,595 |
| Average total loans | $117,943,750 | 3,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 644 |
| Cost of funding earning assets | 1.0571% | 1,425 |
| Net interest margin | 4.4921% | 1,007 |
| Noninterest income to average assets | 0.1880% | 6,222 |
| Noninterest expense to average assets | 2.4703% | 5,232 |
| Loan and lease loss provision to assets | 0.3552% | 1,860 |
| Net operating income to assets | 1.0331% | 2,327 |
| Return on assets (ROA) | 1.0331% | 2,547 |
| Pretax return on assets | 1.6459% | 1,411 |
| Return on Equity (ROE) | 11.7876% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.7876% | 621 |
| Net charge-offs to loans | 0.3941% | 2,446 |
| Credit loss provision to net charge-offs | 104.8035% | 2,595 |
| Earnings coverage of net charge-offs (x) | 5.9039% | 2,733 |
| Efficiency ratio | 55.2466% | 6,200 |
| Assets per employee ($millions) | 4.1226% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,499 |
| Loan loss allowance to noncurrent loans | 140.4722% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.7265% | 3,136 |
| Noncurrent loans to loans | 0.9916% | 4,518 |
| Net loans and leases to total assets | 84.1441% | 207 |
| Net loans and leases to deposits | 99.2218% | 455 |
| Net loans and leases to core deposits | 110.8205% | 549 |
| Total domestic deposits to total assets | 84.8041% | 3,948 |
| Equity capital to assets | 8.8522% | 5,855 |
| Core capital (leverage) ratio | 9.1436% | 4,698 |
| Tier 1 risk-based capital ratio | 10.7375% | 6,599 |
| Total risk-based capital ratio | 11.9903% | 6,588 |
| Memoranda: | ||
| Average total assets | $135,122,670 | 4,094 |
| Average earning assets | $128,847,000 | 3,981 |
| Average equity | $11,843,000 | 4,638 |
| Average total loans | $116,211,330 | 3,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 683 |
| Cost of funding earning assets | 1.1204% | 1,299 |
| Net interest margin | 4.4372% | 1,143 |
| Noninterest income to average assets | 0.1418% | 6,528 |
| Noninterest expense to average assets | 2.4615% | 5,282 |
| Loan and lease loss provision to assets | 0.3620% | 1,747 |
| Net operating income to assets | 0.9834% | 2,541 |
| Return on assets (ROA) | 0.9834% | 2,741 |
| Pretax return on assets | 1.5596% | 1,709 |
| Return on Equity (ROE) | 11.2798% | 1,913 |
| Retained earnings to average equity (ytd only) | 11.2798% | 971 |
| Net charge-offs to loans | 0.0664% | 3,826 |
| Credit loss provision to net charge-offs | 631.5789% | 545 |
| Earnings coverage of net charge-offs (x) | 33.5263% | 845 |
| Efficiency ratio | 56.1597% | 6,105 |
| Assets per employee ($millions) | 4.3195% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 4,108 |
| Loan loss allowance to noncurrent loans | 103.7825% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 3,632 |
| Noncurrent loans to loans | 1.4547% | 3,933 |
| Net loans and leases to total assets | 85.5486% | 134 |
| Net loans and leases to deposits | 101.6839% | 317 |
| Net loans and leases to core deposits | 112.3994% | 462 |
| Total domestic deposits to total assets | 84.1319% | 4,428 |
| Equity capital to assets | 8.7525% | 5,804 |
| Core capital (leverage) ratio | 8.7720% | 5,168 |
| Tier 1 risk-based capital ratio | 10.6358% | 6,700 |
| Total risk-based capital ratio | 11.8900% | 6,682 |
| Memoranda: | ||
| Average total assets | $132,599,500 | 4,173 |
| Average earning assets | $126,746,000 | 4,044 |
| Average equity | $11,560,500 | 4,710 |
| Average total loans | $114,512,000 | 3,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 752 |
| Cost of funding earning assets | 1.3801% | 1,121 |
| Net interest margin | 4.3390% | 1,579 |
| Noninterest income to average assets | 0.2633% | 5,649 |
| Noninterest expense to average assets | 2.6396% | 4,963 |
| Loan and lease loss provision to assets | 0.3650% | 2,808 |
| Net operating income to assets | 0.8596% | 2,770 |
| Return on assets (ROA) | 0.8996% | 2,740 |
| Pretax return on assets | 1.4606% | 1,594 |
| Return on Equity (ROE) | 10.4130% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.4130% | 489 |
| Net charge-offs to loans | 0.1712% | 4,786 |
| Credit loss provision to net charge-offs | 249.1803% | 970 |
| Earnings coverage of net charge-offs (x) | 12.0383% | 1,657 |
| Efficiency ratio | 59.9527% | 5,766 |
| Assets per employee ($millions) | 4.3765% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,155 |
| Loan loss allowance to noncurrent loans | 234.4193% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 5,088 |
| Noncurrent loans to loans | 0.6264% | 5,462 |
| Net loans and leases to total assets | 84.5881% | 185 |
| Net loans and leases to deposits | 100.9068% | 417 |
| Net loans and leases to core deposits | 112.6015% | 549 |
| Total domestic deposits to total assets | 83.8280% | 4,395 |
| Equity capital to assets | 8.6835% | 5,919 |
| Core capital (leverage) ratio | 8.7415% | 5,189 |
| Tier 1 risk-based capital ratio | 10.6505% | 6,626 |
| Total risk-based capital ratio | 11.9041% | 6,594 |
| Memoranda: | ||
| Average total assets | $124,945,400 | 4,274 |
| Average earning assets | $119,198,000 | 4,152 |
| Average equity | $10,794,200 | 4,830 |
| Average total loans | $106,893,400 | 3,447 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7280% | 808 |
| Cost of funding earning assets | 1.4385% | 1,077 |
| Net interest margin | 4.2895% | 1,757 |
| Noninterest income to average assets | 0.2237% | 6,013 |
| Noninterest expense to average assets | 2.6286% | 4,978 |
| Loan and lease loss provision to assets | 0.3524% | 2,755 |
| Net operating income to assets | 0.8204% | 3,060 |
| Return on assets (ROA) | 0.8744% | 2,991 |
| Pretax return on assets | 1.4202% | 1,881 |
| Return on Equity (ROE) | 10.1352% | 2,151 |
| Retained earnings to average equity (ytd only) | 10.1352% | 808 |
| Net charge-offs to loans | 0.2264% | 4,023 |
| Credit loss provision to net charge-offs | 182.1229% | 1,629 |
| Earnings coverage of net charge-offs (x) | 8.7263% | 2,133 |
| Efficiency ratio | 60.8913% | 5,579 |
| Assets per employee ($millions) | 4.4198% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,652 |
| Loan loss allowance to noncurrent loans | 219.3687% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 5,161 |
| Noncurrent loans to loans | 0.6276% | 5,631 |
| Net loans and leases to total assets | 85.4566% | 143 |
| Net loans and leases to deposits | 102.3185% | 376 |
| Net loans and leases to core deposits | 112.5110% | 591 |
| Total domestic deposits to total assets | 83.5202% | 4,470 |
| Equity capital to assets | 8.6733% | 6,113 |
| Core capital (leverage) ratio | 8.7382% | 5,352 |
| Tier 1 risk-based capital ratio | 10.4642% | 6,791 |
| Total risk-based capital ratio | 11.7245% | 6,773 |
| Memoranda: | ||
| Average total assets | $123,358,000 | 4,333 |
| Average earning assets | $117,711,750 | 4,208 |
| Average equity | $10,642,500 | 4,883 |
| Average total loans | $105,438,000 | 3,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 798 |
| Cost of funding earning assets | 1.4974% | 1,021 |
| Net interest margin | 4.2509% | 1,840 |
| Noninterest income to average assets | 0.1101% | 6,786 |
| Noninterest expense to average assets | 2.6266% | 5,085 |
| Loan and lease loss provision to assets | 0.3384% | 2,762 |
| Net operating income to assets | 0.7477% | 3,304 |
| Return on assets (ROA) | 0.8066% | 3,165 |
| Pretax return on assets | 1.2895% | 2,168 |
| Return on Equity (ROE) | 9.3664% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.3664% | 996 |
| Net charge-offs to loans | 0.3457% | 3,174 |
| Credit loss provision to net charge-offs | 115.0838% | 2,661 |
| Earnings coverage of net charge-offs (x) | 5.2235% | 2,662 |
| Efficiency ratio | 63.1018% | 5,386 |
| Assets per employee ($millions) | 4.0915% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,882 |
| Loan loss allowance to noncurrent loans | 2,388.1356% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 6,325 |
| Noncurrent loans to loans | 0.0560% | 6,844 |
| Net loans and leases to total assets | 84.6933% | 195 |
| Net loans and leases to deposits | 100.4221% | 476 |
| Net loans and leases to core deposits | 108.2368% | 803 |
| Total domestic deposits to total assets | 84.3373% | 4,198 |
| Equity capital to assets | 8.7654% | 5,860 |
| Core capital (leverage) ratio | 8.6224% | 5,358 |
| Tier 1 risk-based capital ratio | 10.5916% | 6,755 |
| Total risk-based capital ratio | 11.8437% | 6,747 |
| Memoranda: | ||
| Average total assets | $121,752,330 | 4,397 |
| Average earning assets | $116,070,670 | 4,276 |
| Average equity | $10,484,330 | 4,929 |
| Average total loans | $103,563,000 | 3,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8544% | 663 |
| Cost of funding earning assets | 1.5485% | 982 |
| Net interest margin | 4.3059% | 1,546 |
| Noninterest income to average assets | 0.0726% | 7,029 |
| Noninterest expense to average assets | 2.5961% | 5,241 |
| Loan and lease loss provision to assets | 0.2507% | 3,151 |
| Net operating income to assets | 0.8363% | 2,848 |
| Return on assets (ROA) | 0.8511% | 2,836 |
| Pretax return on assets | 1.3492% | 1,886 |
| Return on Equity (ROE) | 9.9739% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.9739% | 1,118 |
| Net charge-offs to loans | 0.0545% | 4,388 |
| Credit loss provision to net charge-offs | 542.8571% | 672 |
| Earnings coverage of net charge-offs (x) | 34.1429% | 760 |
| Efficiency ratio | 62.2134% | 5,648 |
| Assets per employee ($millions) | 4.1610% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,645 |
| Loan loss allowance to noncurrent loans | 6,876.1905% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 6,302 |
| Noncurrent loans to loans | 0.0204% | 7,011 |
| Net loans and leases to total assets | 83.9927% | 230 |
| Net loans and leases to deposits | 99.5687% | 496 |
| Net loans and leases to core deposits | 107.7649% | 851 |
| Total domestic deposits to total assets | 84.3565% | 4,341 |
| Equity capital to assets | 8.6840% | 5,678 |
| Core capital (leverage) ratio | 8.5795% | 5,295 |
| Tier 1 risk-based capital ratio | 10.8137% | 6,632 |
| Total risk-based capital ratio | 12.0667% | 6,610 |
| Memoranda: | ||
| Average total assets | $121,256,500 | 4,438 |
| Average earning assets | $115,469,500 | 4,310 |
| Average equity | $10,347,000 | 4,954 |
| Average total loans | $102,662,000 | 3,649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0556% | 764 |
| Cost of funding earning assets | 1.8281% | 1,064 |
| Net interest margin | 4.2275% | 2,070 |
| Noninterest income to average assets | 0.1623% | 6,556 |
| Noninterest expense to average assets | 2.5982% | 5,423 |
| Loan and lease loss provision to assets | 0.3823% | 3,821 |
| Net operating income to assets | 0.7737% | 2,911 |
| Return on assets (ROA) | 0.8411% | 2,764 |
| Pretax return on assets | 1.3050% | 1,915 |
| Return on Equity (ROE) | 10.1566% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.1566% | 495 |
| Net charge-offs to loans | 0.3349% | 4,335 |
| Credit loss provision to net charge-offs | 134.7305% | 2,895 |
| Earnings coverage of net charge-offs (x) | 5.5749% | 2,591 |
| Efficiency ratio | 62.1545% | 5,701 |
| Assets per employee ($millions) | 4.3515% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 4,759 |
| Loan loss allowance to noncurrent loans | 966.4336% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 5,903 |
| Noncurrent loans to loans | 0.1395% | 6,795 |
| Net loans and leases to total assets | 83.0117% | 385 |
| Net loans and leases to deposits | 98.1962% | 700 |
| Net loans and leases to core deposits | 107.8662% | 1,058 |
| Total domestic deposits to total assets | 84.5367% | 4,092 |
| Equity capital to assets | 8.3837% | 6,027 |
| Core capital (leverage) ratio | 8.3852% | 5,567 |
| Tier 1 risk-based capital ratio | 10.6092% | 6,630 |
| Total risk-based capital ratio | 11.8613% | 6,598 |
| Memoranda: | ||
| Average total assets | $117,698,400 | 4,530 |
| Average earning assets | $111,863,800 | 4,426 |
| Average equity | $9,747,400 | 5,197 |
| Average total loans | $99,744,400 | 3,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 755 |
| Cost of funding earning assets | 1.8917% | 1,059 |
| Net interest margin | 4.2126% | 2,180 |
| Noninterest income to average assets | 0.1360% | 6,873 |
| Noninterest expense to average assets | 2.6012% | 5,319 |
| Loan and lease loss provision to assets | 0.3829% | 3,592 |
| Net operating income to assets | 0.7483% | 3,219 |
| Return on assets (ROA) | 0.7669% | 3,303 |
| Pretax return on assets | 1.1840% | 2,551 |
| Return on Equity (ROE) | 9.2897% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.2897% | 969 |
| Net charge-offs to loans | 0.4146% | 3,635 |
| Credit loss provision to net charge-offs | 108.7662% | 3,914 |
| Earnings coverage of net charge-offs (x) | 4.3701% | 3,081 |
| Efficiency ratio | 62.8382% | 5,458 |
| Assets per employee ($millions) | 4.2689% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 5,129 |
| Loan loss allowance to noncurrent loans | 162.8463% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 4,880 |
| Noncurrent loans to loans | 0.7780% | 5,657 |
| Net loans and leases to total assets | 84.2985% | 316 |
| Net loans and leases to deposits | 101.3702% | 562 |
| Net loans and leases to core deposits | 110.2236% | 1,024 |
| Total domestic deposits to total assets | 83.1590% | 4,526 |
| Equity capital to assets | 8.4297% | 6,359 |
| Core capital (leverage) ratio | 8.3140% | 5,846 |
| Tier 1 risk-based capital ratio | 10.3466% | 6,866 |
| Total risk-based capital ratio | 11.5980% | 6,866 |
| Memoranda: | ||
| Average total assets | $116,662,250 | 4,624 |
| Average earning assets | $110,870,250 | 4,514 |
| Average equity | $9,630,500 | 5,311 |
| Average total loans | $99,049,000 | 3,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 840 |
| Cost of funding earning assets | 1.9277% | 1,118 |
| Net interest margin | 4.1264% | 2,445 |
| Noninterest income to average assets | 0.1590% | 6,756 |
| Noninterest expense to average assets | 2.6498% | 5,126 |
| Loan and lease loss provision to assets | 0.3284% | 3,772 |
| Net operating income to assets | 0.7142% | 3,337 |
| Return on assets (ROA) | 0.7277% | 3,439 |
| Pretax return on assets | 1.1235% | 2,700 |
| Return on Equity (ROE) | 8.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8800% | 1,141 |
| Net charge-offs to loans | 0.2346% | 4,201 |
| Credit loss provision to net charge-offs | 165.2174% | 2,381 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,345 |
| Efficiency ratio | 64.9301% | 5,159 |
| Assets per employee ($millions) | 4.0434% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,695 |
| Loan loss allowance to noncurrent loans | 119.3060% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 4,805 |
| Noncurrent loans to loans | 1.1287% | 5,072 |
| Net loans and leases to total assets | 83.7870% | 374 |
| Net loans and leases to deposits | 100.2224% | 703 |
| Net loans and leases to core deposits | 108.9950% | 1,233 |
| Total domestic deposits to total assets | 83.6011% | 4,289 |
| Equity capital to assets | 8.3039% | 6,423 |
| Core capital (leverage) ratio | 8.0453% | 6,206 |
| Tier 1 risk-based capital ratio | 10.3223% | 6,820 |
| Total risk-based capital ratio | 11.5741% | 6,797 |
| Memoranda: | ||
| Average total assets | $115,706,330 | 4,663 |
| Average earning assets | $109,976,000 | 4,558 |
| Average equity | $9,482,000 | 5,345 |
| Average total loans | $98,047,000 | 3,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9552% | 1,063 |
| Cost of funding earning assets | 1.9472% | 1,253 |
| Net interest margin | 4.0080% | 2,843 |
| Noninterest income to average assets | 0.0592% | 7,418 |
| Noninterest expense to average assets | 2.6660% | 5,080 |
| Loan and lease loss provision to assets | 0.2784% | 3,802 |
| Net operating income to assets | 0.6093% | 3,855 |
| Return on assets (ROA) | 0.6369% | 3,845 |
| Pretax return on assets | 0.9606% | 3,233 |
| Return on Equity (ROE) | 7.8251% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.8251% | 1,783 |
| Net charge-offs to loans | 0.2632% | 3,360 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,414 |
| Efficiency ratio | 69.0090% | 4,506 |
| Assets per employee ($millions) | 4.0076% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 4,956 |
| Loan loss allowance to noncurrent loans | 125.5882% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 4,973 |
| Noncurrent loans to loans | 1.0320% | 5,272 |
| Net loans and leases to total assets | 83.9418% | 378 |
| Net loans and leases to deposits | 102.3296% | 624 |
| Net loans and leases to core deposits | 114.5544% | 1,013 |
| Total domestic deposits to total assets | 82.0308% | 5,062 |
| Equity capital to assets | 8.1483% | 6,496 |
| Core capital (leverage) ratio | 8.1908% | 5,923 |
| Tier 1 risk-based capital ratio | 10.0614% | 6,988 |
| Total risk-based capital ratio | 11.3127% | 6,985 |
| Memoranda: | ||
| Average total assets | $114,930,500 | 4,741 |
| Average earning assets | $109,082,000 | 4,630 |
| Average equity | $9,354,500 | 5,438 |
| Average total loans | $97,276,500 | 4,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 1,603 |
| Cost of funding earning assets | 2.5269% | 958 |
| Net interest margin | 3.5417% | 4,771 |
| Noninterest income to average assets | 0.2559% | 6,276 |
| Noninterest expense to average assets | 2.4902% | 6,166 |
| Loan and lease loss provision to assets | 0.6671% | 3,145 |
| Net operating income to assets | 0.3214% | 4,445 |
| Return on assets (ROA) | 0.3939% | 4,246 |
| Pretax return on assets | 0.5748% | 3,971 |
| Return on Equity (ROE) | 4.8928% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.8928% | 1,873 |
| Net charge-offs to loans | 0.3384% | 4,537 |
| Credit loss provision to net charge-offs | 235.4839% | 1,540 |
| Earnings coverage of net charge-offs (x) | 4.0129% | 3,099 |
| Efficiency ratio | 68.6571% | 4,891 |
| Assets per employee ($millions) | 3.7880% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,630 |
| Loan loss allowance to noncurrent loans | 226.8817% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,773 |
| Noncurrent loans to loans | 0.5830% | 6,078 |
| Net loans and leases to total assets | 83.1116% | 533 |
| Net loans and leases to deposits | 101.1134% | 812 |
| Net loans and leases to core deposits | 158.8964% | 352 |
| Total domestic deposits to total assets | 82.1964% | 4,867 |
| Equity capital to assets | 8.1301% | 6,429 |
| Core capital (leverage) ratio | 8.0807% | 6,031 |
| Tier 1 risk-based capital ratio | 10.1609% | 6,722 |
| Total risk-based capital ratio | 11.4131% | 6,693 |
| Memoranda: | ||
| Average total assets | $109,427,600 | 4,835 |
| Average earning assets | $104,158,000 | 4,724 |
| Average equity | $8,808,800 | 5,663 |
| Average total loans | $91,612,800 | 4,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 1,763 |
| Cost of funding earning assets | 2.6263% | 966 |
| Net interest margin | 3.4424% | 5,099 |
| Noninterest income to average assets | 0.2128% | 6,706 |
| Noninterest expense to average assets | 2.4790% | 6,144 |
| Loan and lease loss provision to assets | 0.7382% | 2,531 |
| Net operating income to assets | 0.1964% | 5,170 |
| Return on assets (ROA) | 0.2645% | 5,032 |
| Pretax return on assets | 0.3715% | 4,872 |
| Return on Equity (ROE) | 3.2945% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.2945% | 3,467 |
| Net charge-offs to loans | 0.4504% | 3,433 |
| Credit loss provision to net charge-offs | 196.0784% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.6928% | 3,880 |
| Efficiency ratio | 70.9757% | 4,427 |
| Assets per employee ($millions) | 3.7470% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 4,891 |
| Loan loss allowance to noncurrent loans | 213.4831% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,595 |
| Noncurrent loans to loans | 0.5818% | 6,152 |
| Net loans and leases to total assets | 80.6380% | 1,056 |
| Net loans and leases to deposits | 97.2127% | 1,412 |
| Net loans and leases to core deposits | 153.6086% | 502 |
| Total domestic deposits to total assets | 82.9501% | 4,250 |
| Equity capital to assets | 8.0570% | 6,793 |
| Core capital (leverage) ratio | 7.9965% | 6,364 |
| Tier 1 risk-based capital ratio | 10.3040% | 6,676 |
| Total risk-based capital ratio | 11.5550% | 6,624 |
| Memoranda: | ||
| Average total assets | $108,374,500 | 4,899 |
| Average earning assets | $103,259,250 | 4,781 |
| Average equity | $8,701,250 | 5,750 |
| Average total loans | $90,587,500 | 4,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 1,879 |
| Cost of funding earning assets | 2.7220% | 983 |
| Net interest margin | 3.3534% | 5,350 |
| Noninterest income to average assets | 0.2242% | 6,686 |
| Noninterest expense to average assets | 2.4236% | 6,390 |
| Loan and lease loss provision to assets | 0.7288% | 2,249 |
| Net operating income to assets | 0.1898% | 5,303 |
| Return on assets (ROA) | 0.2336% | 5,234 |
| Pretax return on assets | 0.3289% | 5,135 |
| Return on Equity (ROE) | 2.9128% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.9128% | 3,707 |
| Net charge-offs to loans | 0.1619% | 4,587 |
| Credit loss provision to net charge-offs | 534.2466% | 868 |
| Earnings coverage of net charge-offs (x) | 7.3014% | 2,462 |
| Efficiency ratio | 70.8743% | 4,612 |
| Assets per employee ($millions) | 3.7986% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,603 |
| Loan loss allowance to noncurrent loans | 116.5331% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 4,966 |
| Noncurrent loans to loans | 1.0725% | 5,064 |
| Net loans and leases to total assets | 83.4167% | 723 |
| Net loans and leases to deposits | 102.2192% | 1,063 |
| Net loans and leases to core deposits | 159.9050% | 454 |
| Total domestic deposits to total assets | 81.6057% | 4,857 |
| Equity capital to assets | 7.9013% | 6,864 |
| Core capital (leverage) ratio | 8.1198% | 6,125 |
| Tier 1 risk-based capital ratio | 9.9125% | 7,024 |
| Total risk-based capital ratio | 11.1640% | 6,954 |
| Memoranda: | ||
| Average total assets | $107,029,000 | 4,964 |
| Average earning assets | $101,985,000 | 4,842 |
| Average equity | $8,582,670 | 5,821 |
| Average total loans | $90,188,000 | 4,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0703% | 2,074 |
| Cost of funding earning assets | 2.8142% | 950 |
| Net interest margin | 3.2560% | 5,671 |
| Noninterest income to average assets | 0.2389% | 6,542 |
| Noninterest expense to average assets | 2.3629% | 6,329 |
| Loan and lease loss provision to assets | 0.6068% | 2,076 |
| Net operating income to assets | 0.2427% | 5,514 |
| Return on assets (ROA) | 0.2427% | 5,680 |
| Pretax return on assets | 0.3717% | 5,475 |
| Return on Equity (ROE) | 3.0040% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.0040% | 4,205 |
| Net charge-offs to loans | 0.1307% | 3,915 |
| Credit loss provision to net charge-offs | 551.7241% | 1,014 |
| Earnings coverage of net charge-offs (x) | 8.8966% | 2,130 |
| Efficiency ratio | 70.7151% | 4,428 |
| Assets per employee ($millions) | 3.5606% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,581 |
| Loan loss allowance to noncurrent loans | 146.0389% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 5,122 |
| Noncurrent loans to loans | 0.7431% | 5,572 |
| Net loans and leases to total assets | 83.3631% | 793 |
| Net loans and leases to deposits | 101.5035% | 1,229 |
| Net loans and leases to core deposits | 156.7435% | 553 |
| Total domestic deposits to total assets | 82.1283% | 4,499 |
| Equity capital to assets | 7.9978% | 6,813 |
| Core capital (leverage) ratio | 8.1269% | 6,234 |
| Tier 1 risk-based capital ratio | 9.5688% | 7,371 |
| Total risk-based capital ratio | 10.6758% | 7,443 |
| Memoranda: | ||
| Average total assets | $105,464,000 | 5,018 |
| Average earning assets | $100,490,000 | 4,902 |
| Average equity | $8,522,000 | 5,871 |
| Average total loans | $88,755,000 | 4,340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7626% | 1,815 |
| Cost of funding earning assets | 3.4555% | 591 |
| Net interest margin | 3.3071% | 6,012 |
| Noninterest income to average assets | 0.2175% | 6,880 |
| Noninterest expense to average assets | 2.6438% | 5,472 |
| Loan and lease loss provision to assets | 0.2338% | 4,556 |
| Net operating income to assets | 0.3134% | 5,500 |
| Return on assets (ROA) | 0.3513% | 5,160 |
| Pretax return on assets | 0.5231% | 4,919 |
| Return on Equity (ROE) | 3.9917% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.9917% | 2,651 |
| Net charge-offs to loans | 0.0539% | 6,016 |
| Credit loss provision to net charge-offs | 524.3902% | 830 |
| Earnings coverage of net charge-offs (x) | 15.7073% | 1,913 |
| Efficiency ratio | 79.0569% | 2,745 |
| Assets per employee ($millions) | 3.5900% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,281 |
| Loan loss allowance to noncurrent loans | 215.8163% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,453 |
| Noncurrent loans to loans | 0.4481% | 6,013 |
| Net loans and leases to total assets | 83.2198% | 1,011 |
| Net loans and leases to deposits | 103.3594% | 1,417 |
| Net loans and leases to core deposits | 152.5450% | 764 |
| Total domestic deposits to total assets | 80.5150% | 4,836 |
| Equity capital to assets | 8.1653% | 6,608 |
| Core capital (leverage) ratio | 8.3612% | 5,834 |
| Tier 1 risk-based capital ratio | 9.8802% | 6,874 |
| Total risk-based capital ratio | 10.8777% | 7,064 |
| Memoranda: | ||
| Average total assets | $91,951,200 | 5,293 |
| Average earning assets | $86,934,200 | 5,188 |
| Average equity | $8,091,800 | 6,051 |
| Average total loans | $76,022,600 | 4,653 |