Home > Park Midway Bank > Performance and Condition Ratios
Park Midway Bank, Performance and Condition Ratios
| 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 | 4.1416% | 3,549 |
| Cost of funding earning assets | 0.3354% | 5,671 |
| Net interest margin | 3.8062% | 2,425 |
| Noninterest income to average assets | 0.6435% | 2,917 |
| Noninterest expense to average assets | 2.7004% | 4,059 |
| Loan and lease loss provision to assets | 0.0225% | 4,185 |
| Net operating income to assets | 1.4921% | 872 |
| Return on assets (ROA) | 1.4921% | 946 |
| Pretax return on assets | 1.4921% | 1,578 |
| Return on Equity (ROE) | 14.7834% | 807 |
| Retained earnings to average equity (ytd only) | -1.4060% | 6,005 |
| Net charge-offs to loans | 0.0484% | 3,352 |
| Credit loss provision to net charge-offs | 69.5652% | 2,302 |
| Earnings coverage of net charge-offs (x) | 46.8696% | 704 |
| Efficiency ratio | 64.0667% | 5,002 |
| Assets per employee ($millions) | 9.6964% | 253 |
| Cash dividends to net income (ytd only)* | 109.5104% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 3,264 |
| Loan loss allowance to noncurrent loans | 82.9506% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.9759% | 2,372 |
| Noncurrent loans to loans | 1.9680% | 2,654 |
| Net loans and leases to total assets | 59.6186% | 3,497 |
| Net loans and leases to deposits | 68.5432% | 3,705 |
| Net loans and leases to core deposits | 75.8523% | 3,345 |
| Total domestic deposits to total assets | 86.9797% | 2,972 |
| Equity capital to assets | 9.2341% | 5,219 |
| Core capital (leverage) ratio | 7.4844% | 6,481 |
| Tier 1 risk-based capital ratio | 16.8676% | 2,822 |
| Total risk-based capital ratio | 18.1280% | 2,784 |
| Memoranda: | ||
| Average total assets | $284,701,000 | 2,291 |
| Average earning assets | $267,146,000 | 2,236 |
| Average equity | $28,735,000 | 2,403 |
| Average total loans | $189,928,500 | 2,114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 536 |
| Cost of funding earning assets | 0.5416% | 4,890 |
| Net interest margin | 5.0370% | 366 |
| Noninterest income to average assets | 0.6697% | 2,883 |
| Noninterest expense to average assets | 3.1281% | 2,850 |
| Loan and lease loss provision to assets | 0.1570% | 3,655 |
| Net operating income to assets | 2.0492% | 327 |
| Return on assets (ROA) | 2.3749% | 201 |
| Pretax return on assets | 2.3768% | 302 |
| Return on Equity (ROE) | 21.4462% | 241 |
| Retained earnings to average equity (ytd only) | 5.1835% | 2,587 |
| Net charge-offs to loans | 0.2112% | 3,700 |
| Credit loss provision to net charge-offs | 93.2715% | 3,339 |
| Earnings coverage of net charge-offs (x) | 13.1206% | 1,865 |
| Efficiency ratio | 58.6199% | 5,748 |
| Assets per employee ($millions) | 7.8521% | 536 |
| Cash dividends to net income (ytd only)* | 75.8303% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 3,292 |
| Loan loss allowance to noncurrent loans | 116.6856% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 2,432 |
| Noncurrent loans to loans | 1.3749% | 3,537 |
| Net loans and leases to total assets | 72.8328% | 1,368 |
| Net loans and leases to deposits | 87.1128% | 1,374 |
| Net loans and leases to core deposits | 96.3905% | 1,269 |
| Total domestic deposits to total assets | 83.6075% | 4,495 |
| Equity capital to assets | 11.1216% | 2,809 |
| Core capital (leverage) ratio | 11.3341% | 1,989 |
| Tier 1 risk-based capital ratio | 16.4215% | 2,929 |
| Total risk-based capital ratio | 17.6812% | 2,892 |
| Memoranda: | ||
| Average total assets | $256,096,400 | 2,478 |
| Average earning assets | $237,263,600 | 2,439 |
| Average equity | $28,359,400 | 2,363 |
| Average total loans | $204,068,800 | 1,975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 747 |
| Cost of funding earning assets | 0.5939% | 4,711 |
| Net interest margin | 4.8653% | 507 |
| Noninterest income to average assets | 0.4872% | 4,006 |
| Noninterest expense to average assets | 3.1487% | 2,725 |
| Loan and lease loss provision to assets | 0.2000% | 3,080 |
| Net operating income to assets | 1.6448% | 771 |
| Return on assets (ROA) | 2.0688% | 391 |
| Pretax return on assets | 2.0714% | 605 |
| Return on Equity (ROE) | 18.7027% | 424 |
| Retained earnings to average equity (ytd only) | 10.1019% | 887 |
| Net charge-offs to loans | 0.1680% | 3,773 |
| Credit loss provision to net charge-offs | 146.7433% | 1,941 |
| Earnings coverage of net charge-offs (x) | 13.5556% | 1,902 |
| Efficiency ratio | 63.0226% | 4,974 |
| Assets per employee ($millions) | 7.4931% | 599 |
| Cash dividends to net income (ytd only)* | 45.9869% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 3,376 |
| Loan loss allowance to noncurrent loans | 93.8372% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5478% | 2,072 |
| Noncurrent loans to loans | 1.7458% | 3,164 |
| Net loans and leases to total assets | 78.3810% | 682 |
| Net loans and leases to deposits | 94.3442% | 762 |
| Net loans and leases to core deposits | 103.6034% | 888 |
| Total domestic deposits to total assets | 83.0798% | 4,612 |
| Equity capital to assets | 11.9249% | 2,329 |
| Core capital (leverage) ratio | 11.8663% | 1,736 |
| Tier 1 risk-based capital ratio | 16.2515% | 3,129 |
| Total risk-based capital ratio | 17.5078% | 3,094 |
| Memoranda: | ||
| Average total assets | $255,341,000 | 2,502 |
| Average earning assets | $236,637,750 | 2,464 |
| Average equity | $28,244,750 | 2,387 |
| Average total loans | $207,136,000 | 1,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 757 |
| Cost of funding earning assets | 0.6782% | 4,196 |
| Net interest margin | 4.7972% | 564 |
| Noninterest income to average assets | 0.3534% | 5,006 |
| Noninterest expense to average assets | 3.3469% | 2,164 |
| Loan and lease loss provision to assets | 0.2852% | 2,294 |
| Net operating income to assets | 1.1642% | 1,836 |
| Return on assets (ROA) | 1.5541% | 1,010 |
| Pretax return on assets | 1.5580% | 1,681 |
| Return on Equity (ROE) | 14.4086% | 1,028 |
| Retained earnings to average equity (ytd only) | 1.3151% | 5,534 |
| Net charge-offs to loans | 0.0209% | 5,114 |
| Credit loss provision to net charge-offs | 1,672.7273% | 193 |
| Earnings coverage of net charge-offs (x) | 85.2273% | 483 |
| Efficiency ratio | 69.7239% | 3,810 |
| Assets per employee ($millions) | 7.9298% | 482 |
| Cash dividends to net income (ytd only)* | 90.8728% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 3,521 |
| Loan loss allowance to noncurrent loans | 47.2812% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.5881% | 1,472 |
| Noncurrent loans to loans | 3.4336% | 1,684 |
| Net loans and leases to total assets | 82.4342% | 310 |
| Net loans and leases to deposits | 104.5555% | 268 |
| Net loans and leases to core deposits | 116.1478% | 392 |
| Total domestic deposits to total assets | 78.8426% | 5,985 |
| Equity capital to assets | 10.9361% | 3,184 |
| Core capital (leverage) ratio | 10.2817% | 3,067 |
| Tier 1 risk-based capital ratio | 14.1792% | 4,321 |
| Total risk-based capital ratio | 15.4356% | 4,279 |
| Memoranda: | ||
| Average total assets | $258,030,330 | 2,479 |
| Average earning assets | $239,179,330 | 2,438 |
| Average equity | $27,830,670 | 2,409 |
| Average total loans | $210,500,330 | 1,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4886% | 774 |
| Cost of funding earning assets | 0.7112% | 4,188 |
| Net interest margin | 4.7774% | 596 |
| Noninterest income to average assets | 0.3213% | 5,303 |
| Noninterest expense to average assets | 3.3163% | 2,242 |
| Loan and lease loss provision to assets | 0.4459% | 1,393 |
| Net operating income to assets | 0.9749% | 2,578 |
| Return on assets (ROA) | 1.2961% | 1,637 |
| Pretax return on assets | 1.3038% | 2,523 |
| Return on Equity (ROE) | 12.0988% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.4014% | 4,528 |
| Net charge-offs to loans | 0.0497% | 4,005 |
| Credit loss provision to net charge-offs | 1,115.3846% | 312 |
| Earnings coverage of net charge-offs (x) | 35.6538% | 821 |
| Efficiency ratio | 69.9416% | 3,822 |
| Assets per employee ($millions) | 7.4473% | 606 |
| Cash dividends to net income (ytd only)* | 71.8861% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,710 |
| Loan loss allowance to noncurrent loans | 39.1815% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 4.1162% | 1,333 |
| Noncurrent loans to loans | 4.0883% | 1,485 |
| Net loans and leases to total assets | 79.4202% | 461 |
| Net loans and leases to deposits | 98.3860% | 426 |
| Net loans and leases to core deposits | 110.0279% | 535 |
| Total domestic deposits to total assets | 80.7231% | 5,672 |
| Equity capital to assets | 10.7180% | 3,241 |
| Core capital (leverage) ratio | 6.2719% | 7,000 |
| Tier 1 risk-based capital ratio | 14.3108% | 4,233 |
| Total risk-based capital ratio | 15.5672% | 4,205 |
| Memoranda: | ||
| Average total assets | $260,168,000 | 2,479 |
| Average earning assets | $240,719,000 | 2,444 |
| Average equity | $27,870,500 | 2,399 |
| Average total loans | $209,434,000 | 1,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 1,329 |
| Cost of funding earning assets | 0.8255% | 4,665 |
| Net interest margin | 4.6135% | 896 |
| Noninterest income to average assets | 0.6027% | 3,151 |
| Noninterest expense to average assets | 3.2228% | 2,786 |
| Loan and lease loss provision to assets | 0.8103% | 1,207 |
| Net operating income to assets | 0.8411% | 2,869 |
| Return on assets (ROA) | 0.8433% | 3,014 |
| Pretax return on assets | 0.8452% | 3,798 |
| Return on Equity (ROE) | 8.1422% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.7437% | 4,975 |
| Net charge-offs to loans | 0.7734% | 2,219 |
| Credit loss provision to net charge-offs | 130.3364% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.6593% | 3,881 |
| Efficiency ratio | 66.0948% | 4,752 |
| Assets per employee ($millions) | 7.6377% | 544 |
| Cash dividends to net income (ytd only)* | 78.5843% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,074 |
| Loan loss allowance to noncurrent loans | 30.1495% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 4.8244% | 1,120 |
| Noncurrent loans to loans | 4.9413% | 1,148 |
| Net loans and leases to total assets | 79.0890% | 596 |
| Net loans and leases to deposits | 97.6688% | 577 |
| Net loans and leases to core deposits | 108.5638% | 674 |
| Total domestic deposits to total assets | 80.9767% | 5,456 |
| Equity capital to assets | 10.7069% | 3,295 |
| Core capital (leverage) ratio | 10.5409% | 2,673 |
| Tier 1 risk-based capital ratio | 14.3117% | 4,100 |
| Total risk-based capital ratio | 15.5665% | 4,060 |
| Memoranda: | ||
| Average total assets | $263,002,800 | 2,400 |
| Average earning assets | $243,612,800 | 2,363 |
| Average equity | $27,240,800 | 2,377 |
| Average total loans | $211,411,200 | 1,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 1,759 |
| Cost of funding earning assets | 0.8536% | 4,747 |
| Net interest margin | 4.4756% | 1,204 |
| Noninterest income to average assets | 0.5407% | 3,580 |
| Noninterest expense to average assets | 3.2232% | 2,754 |
| Loan and lease loss provision to assets | 0.5994% | 1,643 |
| Net operating income to assets | 0.8652% | 2,882 |
| Return on assets (ROA) | 0.8662% | 3,027 |
| Pretax return on assets | 0.8687% | 3,884 |
| Return on Equity (ROE) | 8.4328% | 2,862 |
| Retained earnings to average equity (ytd only) | -0.1427% | 5,999 |
| Net charge-offs to loans | 0.3218% | 3,496 |
| Credit loss provision to net charge-offs | 231.6406% | 1,228 |
| Earnings coverage of net charge-offs (x) | 5.6699% | 2,725 |
| Efficiency ratio | 68.7210% | 4,170 |
| Assets per employee ($millions) | 7.1679% | 678 |
| Cash dividends to net income (ytd only)* | 101.6917% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,880 |
| Loan loss allowance to noncurrent loans | 21.4809% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 6.7038% | 757 |
| Noncurrent loans to loans | 7.2235% | 671 |
| Net loans and leases to total assets | 80.7453% | 441 |
| Net loans and leases to deposits | 100.1615% | 468 |
| Net loans and leases to core deposits | 111.7320% | 619 |
| Total domestic deposits to total assets | 80.6151% | 5,560 |
| Equity capital to assets | 10.5729% | 3,612 |
| Core capital (leverage) ratio | 10.1764% | 3,217 |
| Tier 1 risk-based capital ratio | 14.1019% | 4,281 |
| Total risk-based capital ratio | 15.3578% | 4,249 |
| Memoranda: | ||
| Average total assets | $263,833,000 | 2,403 |
| Average earning assets | $244,611,750 | 2,357 |
| Average equity | $27,100,000 | 2,390 |
| Average total loans | $212,142,500 | 1,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 2,034 |
| Cost of funding earning assets | 0.8843% | 4,797 |
| Net interest margin | 4.3738% | 1,455 |
| Noninterest income to average assets | 0.5245% | 3,668 |
| Noninterest expense to average assets | 3.0576% | 3,397 |
| Loan and lease loss provision to assets | 0.5659% | 1,710 |
| Net operating income to assets | 0.9580% | 2,404 |
| Return on assets (ROA) | 0.9595% | 2,498 |
| Pretax return on assets | 0.9633% | 3,381 |
| Return on Equity (ROE) | 9.4308% | 2,334 |
| Retained earnings to average equity (ytd only) | -2.7220% | 6,340 |
| Net charge-offs to loans | 0.1102% | 4,594 |
| Credit loss provision to net charge-offs | 642.7350% | 490 |
| Earnings coverage of net charge-offs (x) | 17.3504% | 1,305 |
| Efficiency ratio | 66.6831% | 4,748 |
| Assets per employee ($millions) | 7.4922% | 572 |
| Cash dividends to net income (ytd only)* | 128.8627% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 4,129 |
| Loan loss allowance to noncurrent loans | 21.0591% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 6.2815% | 871 |
| Noncurrent loans to loans | 7.1265% | 713 |
| Net loans and leases to total assets | 76.8280% | 942 |
| Net loans and leases to deposits | 105.5502% | 277 |
| Net loans and leases to core deposits | 118.0100% | 471 |
| Total domestic deposits to total assets | 72.7881% | 6,945 |
| Equity capital to assets | 9.6934% | 4,544 |
| Core capital (leverage) ratio | 9.8270% | 3,483 |
| Tier 1 risk-based capital ratio | 13.5483% | 4,488 |
| Total risk-based capital ratio | 14.8036% | 4,471 |
| Memoranda: | ||
| Average total assets | $265,762,000 | 2,397 |
| Average earning assets | $246,741,670 | 2,359 |
| Average equity | $27,039,000 | 2,382 |
| Average total loans | $212,308,670 | 1,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2938% | 1,884 |
| Cost of funding earning assets | 0.9187% | 4,786 |
| Net interest margin | 4.3750% | 1,352 |
| Noninterest income to average assets | 0.5276% | 3,670 |
| Noninterest expense to average assets | 3.1472% | 3,081 |
| Loan and lease loss provision to assets | 0.3523% | 2,442 |
| Net operating income to assets | 1.0860% | 1,888 |
| Return on assets (ROA) | 1.0860% | 1,933 |
| Pretax return on assets | 1.0937% | 2,780 |
| Return on Equity (ROE) | 10.4118% | 1,952 |
| Retained earnings to average equity (ytd only) | 3.5837% | 4,036 |
| Net charge-offs to loans | -0.0380% | 6,799 |
| Credit loss provision to net charge-offs | -1,145.0000% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5198% | 4,555 |
| Assets per employee ($millions) | 7.1873% | 674 |
| Cash dividends to net income (ytd only)* | 65.5807% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,810 |
| Loan loss allowance to noncurrent loans | 18.1570% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 6.5687% | 842 |
| Noncurrent loans to loans | 7.5435% | 686 |
| Net loans and leases to total assets | 79.5674% | 559 |
| Net loans and leases to deposits | 98.7301% | 536 |
| Net loans and leases to core deposits | 115.9251% | 537 |
| Total domestic deposits to total assets | 80.5909% | 5,792 |
| Equity capital to assets | 10.5351% | 3,144 |
| Core capital (leverage) ratio | 6.6349% | 7,134 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,889 |
| Total risk-based capital ratio | 15.5290% | 3,841 |
| Memoranda: | ||
| Average total assets | $260,038,000 | 2,470 |
| Average earning assets | $241,643,000 | 2,431 |
| Average equity | $27,123,000 | 2,363 |
| Average total loans | $210,353,000 | 2,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 1,404 |
| Cost of funding earning assets | 1.1713% | 4,719 |
| Net interest margin | 4.5789% | 1,052 |
| Noninterest income to average assets | 0.5491% | 3,832 |
| Noninterest expense to average assets | 3.1559% | 3,250 |
| Loan and lease loss provision to assets | 0.6972% | 2,349 |
| Net operating income to assets | 0.9337% | 2,266 |
| Return on assets (ROA) | 0.9413% | 2,360 |
| Pretax return on assets | 0.9432% | 3,124 |
| Return on Equity (ROE) | 9.2627% | 2,192 |
| Retained earnings to average equity (ytd only) | 3.2320% | 3,608 |
| Net charge-offs to loans | 1.0113% | 2,175 |
| Credit loss provision to net charge-offs | 82.6655% | 5,462 |
| Earnings coverage of net charge-offs (x) | 1.9361% | 4,275 |
| Efficiency ratio | 65.9028% | 4,987 |
| Assets per employee ($millions) | 6.8772% | 787 |
| Cash dividends to net income (ytd only)* | 65.1069% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 5,365 |
| Loan loss allowance to noncurrent loans | 24.4795% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 4.5314% | 1,472 |
| Noncurrent loans to loans | 5.0299% | 1,333 |
| Net loans and leases to total assets | 80.1130% | 652 |
| Net loans and leases to deposits | 98.3691% | 689 |
| Net loans and leases to core deposits | 115.2590% | 665 |
| Total domestic deposits to total assets | 81.4412% | 5,375 |
| Equity capital to assets | 10.3267% | 3,355 |
| Core capital (leverage) ratio | 10.2835% | 2,782 |
| Tier 1 risk-based capital ratio | 13.5615% | 4,158 |
| Total risk-based capital ratio | 14.8122% | 4,127 |
| Memoranda: | ||
| Average total assets | $263,348,600 | 2,422 |
| Average earning assets | $243,838,400 | 2,398 |
| Average equity | $26,763,200 | 2,390 |
| Average total loans | $219,616,800 | 1,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 1,516 |
| Cost of funding earning assets | 1.2310% | 4,683 |
| Net interest margin | 4.5284% | 1,197 |
| Noninterest income to average assets | 0.8580% | 1,966 |
| Noninterest expense to average assets | 3.1517% | 3,104 |
| Loan and lease loss provision to assets | 0.6296% | 2,418 |
| Net operating income to assets | 1.2658% | 1,428 |
| Return on assets (ROA) | 1.2759% | 1,482 |
| Pretax return on assets | 1.2785% | 2,237 |
| Return on Equity (ROE) | 12.6055% | 1,361 |
| Retained earnings to average equity (ytd only) | 4.5480% | 3,309 |
| Net charge-offs to loans | 0.5339% | 3,169 |
| Credit loss provision to net charge-offs | 140.4735% | 2,826 |
| Earnings coverage of net charge-offs (x) | 4.2345% | 3,144 |
| Efficiency ratio | 62.4137% | 5,538 |
| Assets per employee ($millions) | 7.5051% | 625 |
| Cash dividends to net income (ytd only)* | 63.9210% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,679 |
| Loan loss allowance to noncurrent loans | 33.6106% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 4.9288% | 1,317 |
| Noncurrent loans to loans | 4.6573% | 1,525 |
| Net loans and leases to total assets | 80.2923% | 696 |
| Net loans and leases to deposits | 98.8744% | 734 |
| Net loans and leases to core deposits | 115.0714% | 788 |
| Total domestic deposits to total assets | 81.2063% | 5,300 |
| Equity capital to assets | 10.3990% | 3,642 |
| Core capital (leverage) ratio | 10.5069% | 2,677 |
| Tier 1 risk-based capital ratio | 13.2594% | 4,381 |
| Total risk-based capital ratio | 14.5142% | 4,345 |
| Memoranda: | ||
| Average total assets | $263,852,750 | 2,455 |
| Average earning assets | $244,232,500 | 2,426 |
| Average equity | $26,707,250 | 2,439 |
| Average total loans | $221,528,250 | 1,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 1,330 |
| Cost of funding earning assets | 1.2946% | 4,572 |
| Net interest margin | 4.5416% | 1,117 |
| Noninterest income to average assets | 0.5616% | 3,616 |
| Noninterest expense to average assets | 3.1743% | 2,992 |
| Loan and lease loss provision to assets | 0.3300% | 3,760 |
| Net operating income to assets | 1.2594% | 1,404 |
| Return on assets (ROA) | 1.2738% | 1,436 |
| Pretax return on assets | 1.2776% | 2,161 |
| Return on Equity (ROE) | 12.6998% | 1,315 |
| Retained earnings to average equity (ytd only) | 2.2185% | 4,742 |
| Net charge-offs to loans | 0.5832% | 2,785 |
| Credit loss provision to net charge-offs | 66.7688% | 5,055 |
| Earnings coverage of net charge-offs (x) | 3.2236% | 3,401 |
| Efficiency ratio | 66.5820% | 4,866 |
| Assets per employee ($millions) | 6.8018% | 837 |
| Cash dividends to net income (ytd only)* | 82.5312% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 5,060 |
| Loan loss allowance to noncurrent loans | 32.6977% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 4.2112% | 1,600 |
| Noncurrent loans to loans | 3.8982% | 1,960 |
| Net loans and leases to total assets | 85.4986% | 256 |
| Net loans and leases to deposits | 107.0066% | 350 |
| Net loans and leases to core deposits | 126.9028% | 489 |
| Total domestic deposits to total assets | 79.9003% | 5,755 |
| Equity capital to assets | 10.5716% | 3,323 |
| Core capital (leverage) ratio | 10.0358% | 3,127 |
| Tier 1 risk-based capital ratio | 12.9349% | 4,508 |
| Total risk-based capital ratio | 14.1864% | 4,459 |
| Memoranda: | ||
| Average total assets | $264,244,000 | 2,470 |
| Average earning assets | $244,717,670 | 2,447 |
| Average equity | $26,504,330 | 2,453 |
| Average total loans | $223,949,330 | 1,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 1,979 |
| Cost of funding earning assets | 1.2895% | 4,875 |
| Net interest margin | 4.3537% | 1,526 |
| Noninterest income to average assets | 0.5619% | 3,549 |
| Noninterest expense to average assets | 3.2691% | 2,637 |
| Loan and lease loss provision to assets | 0.4184% | 2,864 |
| Net operating income to assets | 0.9078% | 2,515 |
| Return on assets (ROA) | 0.9078% | 2,581 |
| Pretax return on assets | 0.9078% | 3,438 |
| Return on Equity (ROE) | 9.2840% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.0029% | 2,623 |
| Net charge-offs to loans | 0.5217% | 2,501 |
| Credit loss provision to net charge-offs | 95.6081% | 3,535 |
| Earnings coverage of net charge-offs (x) | 3.0304% | 3,040 |
| Efficiency ratio | 71.1390% | 4,093 |
| Assets per employee ($millions) | 6.8911% | 839 |
| Cash dividends to net income (ytd only)* | 35.3420% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,899 |
| Loan loss allowance to noncurrent loans | 32.1995% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 3.9780% | 1,729 |
| Noncurrent loans to loans | 4.0573% | 1,924 |
| Net loans and leases to total assets | 83.8211% | 391 |
| Net loans and leases to deposits | 102.2927% | 628 |
| Net loans and leases to core deposits | 122.4878% | 692 |
| Total domestic deposits to total assets | 81.9425% | 5,095 |
| Equity capital to assets | 9.9114% | 3,973 |
| Core capital (leverage) ratio | 9.7534% | 3,451 |
| Tier 1 risk-based capital ratio | 12.0059% | 5,189 |
| Total risk-based capital ratio | 13.2571% | 5,150 |
| Memoranda: | ||
| Average total assets | $270,533,500 | 2,467 |
| Average earning assets | $250,639,000 | 2,444 |
| Average equity | $26,454,000 | 2,467 |
| Average total loans | $226,950,000 | 2,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 1,938 |
| Cost of funding earning assets | 1.5220% | 5,428 |
| Net interest margin | 4.4596% | 1,271 |
| Noninterest income to average assets | 0.6998% | 2,984 |
| Noninterest expense to average assets | 3.3379% | 2,878 |
| Loan and lease loss provision to assets | 0.7217% | 2,953 |
| Net operating income to assets | 0.7021% | 2,926 |
| Return on assets (ROA) | 0.7119% | 2,949 |
| Pretax return on assets | 0.7138% | 3,525 |
| Return on Equity (ROE) | 7.5694% | 2,554 |
| Retained earnings to average equity (ytd only) | 1.2415% | 4,173 |
| Net charge-offs to loans | 0.8824% | 2,628 |
| Credit loss provision to net charge-offs | 99.6878% | 5,593 |
| Earnings coverage of net charge-offs (x) | 1.9693% | 4,242 |
| Efficiency ratio | 70.0720% | 4,612 |
| Assets per employee ($millions) | 6.9824% | 802 |
| Cash dividends to net income (ytd only)* | 83.5979% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,608 |
| Loan loss allowance to noncurrent loans | 34.6443% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 3.6024% | 1,854 |
| Noncurrent loans to loans | 3.8312% | 1,946 |
| Net loans and leases to total assets | 81.7627% | 726 |
| Net loans and leases to deposits | 99.4946% | 948 |
| Net loans and leases to core deposits | 133.8914% | 1,057 |
| Total domestic deposits to total assets | 82.1780% | 4,874 |
| Equity capital to assets | 9.6473% | 4,219 |
| Core capital (leverage) ratio | 9.5864% | 3,616 |
| Tier 1 risk-based capital ratio | 11.9181% | 5,018 |
| Total risk-based capital ratio | 13.1695% | 4,966 |
| Memoranda: | ||
| Average total assets | $265,492,800 | 2,467 |
| Average earning assets | $241,925,600 | 2,483 |
| Average equity | $24,968,800 | 2,613 |
| Average total loans | $217,814,000 | 2,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 1,922 |
| Cost of funding earning assets | 1.5827% | 5,480 |
| Net interest margin | 4.4459% | 1,326 |
| Noninterest income to average assets | 0.7819% | 2,534 |
| Noninterest expense to average assets | 3.3304% | 2,809 |
| Loan and lease loss provision to assets | 0.4392% | 3,709 |
| Net operating income to assets | 1.0493% | 1,904 |
| Return on assets (ROA) | 1.0624% | 1,912 |
| Pretax return on assets | 1.0650% | 2,689 |
| Return on Equity (ROE) | 11.3727% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.0884% | 4,161 |
| Net charge-offs to loans | 0.7696% | 2,434 |
| Credit loss provision to net charge-offs | 69.7432% | 5,987 |
| Earnings coverage of net charge-offs (x) | 2.3676% | 4,050 |
| Efficiency ratio | 69.0743% | 4,769 |
| Assets per employee ($millions) | 6.4706% | 994 |
| Cash dividends to net income (ytd only)* | 81.6363% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,414 |
| Loan loss allowance to noncurrent loans | 46.7569% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.0821% | 2,227 |
| Noncurrent loans to loans | 2.4588% | 3,061 |
| Net loans and leases to total assets | 83.0200% | 665 |
| Net loans and leases to deposits | 106.1731% | 644 |
| Net loans and leases to core deposits | 138.1762% | 1,004 |
| Total domestic deposits to total assets | 78.1931% | 6,023 |
| Equity capital to assets | 9.7275% | 4,457 |
| Core capital (leverage) ratio | 9.6914% | 3,657 |
| Tier 1 risk-based capital ratio | 11.6801% | 5,260 |
| Total risk-based capital ratio | 12.8581% | 5,270 |
| Memoranda: | ||
| Average total assets | $263,787,250 | 2,492 |
| Average earning assets | $239,674,500 | 2,521 |
| Average equity | $24,643,250 | 2,669 |
| Average total loans | $215,855,750 | 2,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 2,149 |
| Cost of funding earning assets | 1.6482% | 5,522 |
| Net interest margin | 4.3609% | 1,494 |
| Noninterest income to average assets | 0.5476% | 4,052 |
| Noninterest expense to average assets | 3.2153% | 3,294 |
| Loan and lease loss provision to assets | 0.3179% | 4,040 |
| Net operating income to assets | 0.9543% | 2,265 |
| Return on assets (ROA) | 0.9543% | 2,359 |
| Pretax return on assets | 0.9582% | 3,149 |
| Return on Equity (ROE) | 10.3636% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.4537% | 3,969 |
| Net charge-offs to loans | 0.9512% | 1,826 |
| Credit loss provision to net charge-offs | 41.2115% | 5,883 |
| Earnings coverage of net charge-offs (x) | 1.6544% | 4,302 |
| Efficiency ratio | 71.5894% | 4,486 |
| Assets per employee ($millions) | 7.0686% | 752 |
| Cash dividends to net income (ytd only)* | 76.3242% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,617 |
| Loan loss allowance to noncurrent loans | 56.7759% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.5312% | 2,544 |
| Noncurrent loans to loans | 1.9343% | 3,623 |
| Net loans and leases to total assets | 80.7677% | 1,176 |
| Net loans and leases to deposits | 104.7689% | 846 |
| Net loans and leases to core deposits | 138.6695% | 1,071 |
| Total domestic deposits to total assets | 77.0914% | 6,299 |
| Equity capital to assets | 9.6848% | 4,373 |
| Core capital (leverage) ratio | 10.0378% | 3,255 |
| Tier 1 risk-based capital ratio | 11.9899% | 4,928 |
| Total risk-based capital ratio | 13.1042% | 4,957 |
| Memoranda: | ||
| Average total assets | $261,127,330 | 2,530 |
| Average earning assets | $236,143,000 | 2,563 |
| Average equity | $24,045,670 | 2,752 |
| Average total loans | $211,726,000 | 2,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9184% | 2,712 |
| Cost of funding earning assets | 1.6743% | 5,723 |
| Net interest margin | 4.2441% | 1,764 |
| Noninterest income to average assets | 0.5937% | 3,595 |
| Noninterest expense to average assets | 3.1983% | 2,993 |
| Loan and lease loss provision to assets | 0.3077% | 3,496 |
| Net operating income to assets | 0.9324% | 2,575 |
| Return on assets (ROA) | 0.9324% | 2,704 |
| Pretax return on assets | 0.9324% | 3,594 |
| Return on Equity (ROE) | 10.4070% | 2,167 |
| Retained earnings to average equity (ytd only) | 2.6191% | 4,427 |
| Net charge-offs to loans | 0.1058% | 4,120 |
| Credit loss provision to net charge-offs | 360.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 14.5091% | 1,666 |
| Efficiency ratio | 72.0588% | 4,185 |
| Assets per employee ($millions) | 7.1037% | 740 |
| Cash dividends to net income (ytd only)* | 74.8333% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,965 |
| Loan loss allowance to noncurrent loans | 81.2403% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.2097% | 2,586 |
| Noncurrent loans to loans | 1.8513% | 3,487 |
| Net loans and leases to total assets | 80.5141% | 1,291 |
| Net loans and leases to deposits | 99.3831% | 1,490 |
| Net loans and leases to core deposits | 130.0964% | 1,654 |
| Total domestic deposits to total assets | 81.0138% | 4,963 |
| Equity capital to assets | 9.0598% | 5,280 |
| Core capital (leverage) ratio | 9.0032% | 4,709 |
| Tier 1 risk-based capital ratio | 10.9483% | 5,948 |
| Total risk-based capital ratio | 12.2018% | 5,855 |
| Memoranda: | ||
| Average total assets | $257,388,000 | 2,571 |
| Average earning assets | $233,169,500 | 2,606 |
| Average equity | $23,061,500 | 2,877 |
| Average total loans | $207,911,000 | 2,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6364% | 2,308 |
| Cost of funding earning assets | 2.1510% | 5,825 |
| Net interest margin | 4.4855% | 1,462 |
| Noninterest income to average assets | 0.5602% | 4,162 |
| Noninterest expense to average assets | 2.9890% | 4,117 |
| Loan and lease loss provision to assets | 0.7624% | 1,960 |
| Net operating income to assets | 0.8601% | 3,177 |
| Return on assets (ROA) | 0.8609% | 3,018 |
| Pretax return on assets | 0.8629% | 3,842 |
| Return on Equity (ROE) | 9.3678% | 2,490 |
| Retained earnings to average equity (ytd only) | 0.9003% | 4,692 |
| Net charge-offs to loans | 1.2523% | 957 |
| Credit loss provision to net charge-offs | 75.5600% | 5,981 |
| Earnings coverage of net charge-offs (x) | 1.6100% | 5,285 |
| Efficiency ratio | 64.7887% | 5,376 |
| Assets per employee ($millions) | 6.3181% | 980 |
| Cash dividends to net income (ytd only)* | 90.3891% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 2,914 |
| Loan loss allowance to noncurrent loans | 84.3926% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 2,443 |
| Noncurrent loans to loans | 1.7197% | 3,190 |
| Net loans and leases to total assets | 78.6649% | 1,967 |
| Net loans and leases to deposits | 95.9266% | 2,465 |
| Net loans and leases to core deposits | 121.7584% | 2,532 |
| Total domestic deposits to total assets | 82.0053% | 4,200 |
| Equity capital to assets | 8.8611% | 5,550 |
| Core capital (leverage) ratio | 9.0322% | 4,695 |
| Tier 1 risk-based capital ratio | 10.8392% | 5,867 |
| Total risk-based capital ratio | 12.0913% | 5,777 |
| Memoranda: | ||
| Average total assets | $247,775,600 | 2,579 |
| Average earning assets | $223,900,800 | 2,614 |
| Average equity | $22,769,400 | 2,877 |
| Average total loans | $199,628,600 | 2,303 |