Home > Peoples Bank of the Ozarks > Performance and Condition Ratios
Peoples Bank of the Ozarks, 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 | 1.0907% | 6,556 |
| Cost of funding earning assets | 0.0680% | 6,483 |
| Net interest margin | 1.0227% | 6,551 |
| Noninterest income to average assets | 0.1336% | 6,107 |
| Noninterest expense to average assets | 0.6543% | 6,563 |
| Loan and lease loss provision to assets | 0.1732% | 1,421 |
| Net operating income to assets | 0.1579% | 5,933 |
| Return on assets (ROA) | 0.1579% | 5,966 |
| Pretax return on assets | 0.2509% | 5,861 |
| Return on Equity (ROE) | 1.4554% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.4554% | 5,318 |
| Net charge-offs to loans | -0.0243% | 5,668 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6700% | 5,094 |
| Assets per employee ($millions) | 2.8434% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2118% | 6,490 |
| Loan loss allowance to noncurrent loans | 23.4043% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 2,968 |
| Noncurrent loans to loans | 0.9050% | 3,296 |
| Net loans and leases to total assets | 68.5919% | 2,452 |
| Net loans and leases to deposits | 83.3568% | 2,247 |
| Net loans and leases to core deposits | 88.7053% | 2,349 |
| Total domestic deposits to total assets | 82.2871% | 4,382 |
| Equity capital to assets | 11.2621% | 2,693 |
| Core capital (leverage) ratio | 10.0572% | 3,589 |
| Tier 1 risk-based capital ratio | 15.0763% | 3,545 |
| Total risk-based capital ratio | 15.2921% | 4,124 |
| Memoranda: | ||
| Average total assets | $269,396,750 | 2,378 |
| Average earning assets | $248,882,500 | 2,368 |
| Average equity | $29,222,750 | 2,334 |
| Average total loans | $192,279,500 | 2,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,924 |
| Cost of funding earning assets | 0.6228% | 1,708 |
| Net interest margin | 3.5845% | 3,427 |
| Noninterest income to average assets | 0.5556% | 3,079 |
| Noninterest expense to average assets | 2.9006% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6127% | 4,299 |
| Return on assets (ROA) | 0.5357% | 4,763 |
| Pretax return on assets | 0.8515% | 4,076 |
| Return on Equity (ROE) | 5.0006% | 4,673 |
| Retained earnings to average equity (ytd only) | -2.2868% | 6,027 |
| Net charge-offs to loans | 0.3300% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.0774% | 3,180 |
| Efficiency ratio | 74.9047% | 2,821 |
| Assets per employee ($millions) | 2.6552% | 6,163 |
| Cash dividends to net income (ytd only)* | 145.7300% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 2,141 |
| Loan loss allowance to noncurrent loans | 129.5879% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 2,137 |
| Noncurrent loans to loans | 1.3094% | 2,622 |
| Net loans and leases to total assets | 72.7240% | 1,618 |
| Net loans and leases to deposits | 87.4343% | 1,665 |
| Net loans and leases to core deposits | 93.0682% | 1,855 |
| Total domestic deposits to total assets | 83.1756% | 4,233 |
| Equity capital to assets | 10.9567% | 2,919 |
| Core capital (leverage) ratio | 10.6651% | 2,758 |
| Tier 1 risk-based capital ratio | 15.2681% | 3,484 |
| Total risk-based capital ratio | 16.5228% | 3,430 |
| Memoranda: | ||
| Average total assets | $271,050,670 | 2,366 |
| Average earning assets | $250,799,000 | 2,351 |
| Average equity | $29,036,670 | 2,337 |
| Average total loans | $195,784,000 | 2,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,171 |
| Cost of funding earning assets | 0.6291% | 1,744 |
| Net interest margin | 3.4997% | 3,692 |
| Noninterest income to average assets | 0.6092% | 2,683 |
| Noninterest expense to average assets | 2.9553% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5614% | 4,408 |
| Return on assets (ROA) | 0.4090% | 5,149 |
| Pretax return on assets | 0.6501% | 4,662 |
| Return on Equity (ROE) | 3.8609% | 5,105 |
| Retained earnings to average equity (ytd only) | -4.6330% | 6,099 |
| Net charge-offs to loans | 0.0634% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.6129% | 1,366 |
| Efficiency ratio | 76.8909% | 2,662 |
| Assets per employee ($millions) | 2.6690% | 6,230 |
| Cash dividends to net income (ytd only)* | 220.0000% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 1,960 |
| Loan loss allowance to noncurrent loans | 208.7558% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 2,537 |
| Noncurrent loans to loans | 0.8757% | 3,702 |
| Net loans and leases to total assets | 70.7916% | 1,755 |
| Net loans and leases to deposits | 86.4761% | 1,536 |
| Net loans and leases to core deposits | 92.1362% | 1,716 |
| Total domestic deposits to total assets | 81.8626% | 4,981 |
| Equity capital to assets | 10.5297% | 3,219 |
| Core capital (leverage) ratio | 10.6692% | 2,740 |
| Tier 1 risk-based capital ratio | 14.7755% | 3,832 |
| Total risk-based capital ratio | 16.0326% | 3,778 |
| Memoranda: | ||
| Average total assets | $273,816,500 | 2,350 |
| Average earning assets | $253,053,000 | 2,333 |
| Average equity | $29,009,000 | 2,324 |
| Average total loans | $195,461,500 | 2,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,583 |
| Cost of funding earning assets | 0.7683% | 1,392 |
| Net interest margin | 3.6332% | 3,319 |
| Noninterest income to average assets | 0.4744% | 3,929 |
| Noninterest expense to average assets | 2.9596% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5313% | 4,594 |
| Return on assets (ROA) | 0.5313% | 4,717 |
| Pretax return on assets | 0.8569% | 3,930 |
| Return on Equity (ROE) | 4.9940% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.2364% | 4,658 |
| Net charge-offs to loans | 0.2014% | 2,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.7916% | 3,217 |
| Efficiency ratio | 77.5469% | 2,533 |
| Assets per employee ($millions) | 2.6478% | 6,276 |
| Cash dividends to net income (ytd only)* | 55.2177% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 1,786 |
| Loan loss allowance to noncurrent loans | 187.1992% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 2,262 |
| Noncurrent loans to loans | 1.0136% | 3,487 |
| Net loans and leases to total assets | 69.3121% | 2,122 |
| Net loans and leases to deposits | 82.9357% | 2,073 |
| Net loans and leases to core deposits | 90.5018% | 1,963 |
| Total domestic deposits to total assets | 83.5733% | 4,331 |
| Equity capital to assets | 10.6594% | 2,970 |
| Core capital (leverage) ratio | 10.7380% | 2,638 |
| Tier 1 risk-based capital ratio | 15.5416% | 3,347 |
| Total risk-based capital ratio | 16.8001% | 3,296 |
| Memoranda: | ||
| Average total assets | $272,371,800 | 2,331 |
| Average earning assets | $250,553,000 | 2,317 |
| Average equity | $28,974,600 | 2,312 |
| Average total loans | $200,125,800 | 1,997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 2,385 |
| Cost of funding earning assets | 0.7805% | 1,426 |
| Net interest margin | 3.6797% | 3,105 |
| Noninterest income to average assets | 0.4696% | 4,002 |
| Noninterest expense to average assets | 2.9473% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5695% | 4,476 |
| Return on assets (ROA) | 0.5695% | 4,620 |
| Pretax return on assets | 0.9044% | 3,864 |
| Return on Equity (ROE) | 5.3561% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.5929% | 4,776 |
| Net charge-offs to loans | 0.2911% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.1882% | 3,512 |
| Efficiency ratio | 76.5192% | 2,648 |
| Assets per employee ($millions) | 2.7230% | 6,250 |
| Cash dividends to net income (ytd only)* | 51.5906% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 2,220 |
| Loan loss allowance to noncurrent loans | 126.7788% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 2,063 |
| Noncurrent loans to loans | 1.4401% | 3,003 |
| Net loans and leases to total assets | 70.7189% | 1,834 |
| Net loans and leases to deposits | 84.5687% | 1,805 |
| Net loans and leases to core deposits | 92.4251% | 1,729 |
| Total domestic deposits to total assets | 83.6230% | 4,339 |
| Equity capital to assets | 10.5487% | 3,217 |
| Core capital (leverage) ratio | 10.7161% | 2,768 |
| Tier 1 risk-based capital ratio | 15.0178% | 3,746 |
| Total risk-based capital ratio | 16.2754% | 3,686 |
| Memoranda: | ||
| Average total assets | $272,283,250 | 2,341 |
| Average earning assets | $250,268,500 | 2,337 |
| Average equity | $28,950,500 | 2,338 |
| Average total loans | $201,985,250 | 1,992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,983 |
| Cost of funding earning assets | 0.8011% | 1,404 |
| Net interest margin | 3.7615% | 2,714 |
| Noninterest income to average assets | 0.4628% | 4,073 |
| Noninterest expense to average assets | 2.9450% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6117% | 4,232 |
| Return on assets (ROA) | 0.6117% | 4,402 |
| Pretax return on assets | 0.9714% | 3,631 |
| Return on Equity (ROE) | 5.7379% | 4,321 |
| Retained earnings to average equity (ytd only) | 2.9727% | 4,428 |
| Net charge-offs to loans | 0.3837% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3795% | 3,406 |
| Efficiency ratio | 75.1976% | 2,917 |
| Assets per employee ($millions) | 2.6965% | 6,298 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 2,160 |
| Loan loss allowance to noncurrent loans | 153.7720% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 2,502 |
| Noncurrent loans to loans | 1.2252% | 3,508 |
| Net loans and leases to total assets | 70.1579% | 1,858 |
| Net loans and leases to deposits | 84.1535% | 1,789 |
| Net loans and leases to core deposits | 91.7478% | 1,732 |
| Total domestic deposits to total assets | 83.3690% | 4,561 |
| Equity capital to assets | 10.6078% | 3,166 |
| Core capital (leverage) ratio | 10.7465% | 2,623 |
| Tier 1 risk-based capital ratio | 15.3723% | 3,550 |
| Total risk-based capital ratio | 16.6307% | 3,505 |
| Memoranda: | ||
| Average total assets | $271,371,000 | 2,358 |
| Average earning assets | $249,152,670 | 2,352 |
| Average equity | $28,930,330 | 2,348 |
| Average total loans | $203,277,670 | 1,988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,701 |
| Cost of funding earning assets | 0.8359% | 1,336 |
| Net interest margin | 3.8066% | 2,424 |
| Noninterest income to average assets | 0.5685% | 3,318 |
| Noninterest expense to average assets | 3.0183% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6497% | 3,965 |
| Return on assets (ROA) | 0.6497% | 4,120 |
| Pretax return on assets | 1.0337% | 3,210 |
| Return on Equity (ROE) | 6.0793% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.3160% | 4,264 |
| Net charge-offs to loans | 0.7825% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7241% | 3,260 |
| Efficiency ratio | 74.4898% | 3,178 |
| Assets per employee ($millions) | 2.6711% | 6,426 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 2,676 |
| Loan loss allowance to noncurrent loans | 185.2434% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 2,373 |
| Noncurrent loans to loans | 0.9630% | 4,213 |
| Net loans and leases to total assets | 74.5508% | 1,006 |
| Net loans and leases to deposits | 89.3547% | 1,017 |
| Net loans and leases to core deposits | 94.5981% | 1,302 |
| Total domestic deposits to total assets | 83.4325% | 4,697 |
| Equity capital to assets | 10.7817% | 3,217 |
| Core capital (leverage) ratio | 10.8178% | 2,439 |
| Tier 1 risk-based capital ratio | 14.7004% | 4,038 |
| Total risk-based capital ratio | 15.9578% | 3,999 |
| Memoranda: | ||
| Average total assets | $270,883,000 | 2,382 |
| Average earning assets | $247,882,500 | 2,395 |
| Average equity | $28,950,500 | 2,383 |
| Average total loans | $207,545,500 | 1,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 1,380 |
| Cost of funding earning assets | 1.1283% | 816 |
| Net interest margin | 3.9416% | 2,640 |
| Noninterest income to average assets | 0.2596% | 5,608 |
| Noninterest expense to average assets | 2.8222% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6402% | 4,036 |
| Return on assets (ROA) | 0.6402% | 4,296 |
| Pretax return on assets | 1.0173% | 3,486 |
| Return on Equity (ROE) | 6.2911% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.8771% | 4,217 |
| Net charge-offs to loans | 0.9987% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.2985% | 4,814 |
| Efficiency ratio | 73.5051% | 3,153 |
| Assets per employee ($millions) | 2.7473% | 6,373 |
| Cash dividends to net income (ytd only)* | 54.2666% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,198 |
| Loan loss allowance to noncurrent loans | 194.0249% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 2.0792% | 2,361 |
| Noncurrent loans to loans | 0.9947% | 4,205 |
| Net loans and leases to total assets | 75.8332% | 939 |
| Net loans and leases to deposits | 90.6815% | 1,009 |
| Net loans and leases to core deposits | 98.0789% | 1,141 |
| Total domestic deposits to total assets | 83.6259% | 4,487 |
| Equity capital to assets | 10.5940% | 3,404 |
| Core capital (leverage) ratio | 10.5838% | 2,674 |
| Tier 1 risk-based capital ratio | 14.2250% | 4,220 |
| Total risk-based capital ratio | 15.4796% | 4,176 |
| Memoranda: | ||
| Average total assets | $280,067,600 | 2,269 |
| Average earning assets | $254,361,600 | 2,278 |
| Average equity | $28,500,600 | 2,349 |
| Average total loans | $219,693,400 | 1,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,392 |
| Cost of funding earning assets | 1.1831% | 746 |
| Net interest margin | 3.9336% | 2,786 |
| Noninterest income to average assets | 0.1749% | 6,259 |
| Noninterest expense to average assets | 2.7598% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6168% | 4,317 |
| Return on assets (ROA) | 0.6168% | 4,571 |
| Pretax return on assets | 0.9855% | 3,775 |
| Return on Equity (ROE) | 6.1218% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.9694% | 4,775 |
| Net charge-offs to loans | 1.3085% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9569% | 4,842 |
| Efficiency ratio | 73.6875% | 3,038 |
| Assets per employee ($millions) | 2.6510% | 6,548 |
| Cash dividends to net income (ytd only)* | 51.4943% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 2,549 |
| Loan loss allowance to noncurrent loans | 208.3887% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 2.2190% | 2,413 |
| Noncurrent loans to loans | 0.9015% | 4,630 |
| Net loans and leases to total assets | 77.9256% | 741 |
| Net loans and leases to deposits | 93.2828% | 845 |
| Net loans and leases to core deposits | 101.0971% | 1,045 |
| Total domestic deposits to total assets | 83.5370% | 4,420 |
| Equity capital to assets | 10.4833% | 3,864 |
| Core capital (leverage) ratio | 10.3628% | 3,087 |
| Tier 1 risk-based capital ratio | 13.5558% | 4,846 |
| Total risk-based capital ratio | 14.8140% | 4,803 |
| Memoranda: | ||
| Average total assets | $282,088,250 | 2,279 |
| Average earning assets | $256,045,500 | 2,292 |
| Average equity | $28,422,250 | 2,372 |
| Average total loans | $222,038,250 | 1,839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 1,424 |
| Cost of funding earning assets | 1.2499% | 646 |
| Net interest margin | 3.8801% | 2,999 |
| Noninterest income to average assets | -0.0077% | 7,014 |
| Noninterest expense to average assets | 2.7226% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5051% | 4,799 |
| Return on assets (ROA) | 0.5051% | 5,057 |
| Pretax return on assets | 0.7955% | 4,489 |
| Return on Equity (ROE) | 5.0785% | 4,773 |
| Retained earnings to average equity (ytd only) | 5.0785% | 3,239 |
| Net charge-offs to loans | 1.5168% | 653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6682% | 4,725 |
| Efficiency ratio | 77.3878% | 2,542 |
| Assets per employee ($millions) | 2.7969% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0776% | 2,041 |
| Loan loss allowance to noncurrent loans | 142.1085% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 2.3523% | 2,374 |
| Noncurrent loans to loans | 1.4620% | 3,711 |
| Net loans and leases to total assets | 76.0141% | 966 |
| Net loans and leases to deposits | 91.8593% | 967 |
| Net loans and leases to core deposits | 101.0261% | 1,038 |
| Total domestic deposits to total assets | 82.7506% | 4,850 |
| Equity capital to assets | 10.1401% | 4,137 |
| Core capital (leverage) ratio | 10.1094% | 3,259 |
| Tier 1 risk-based capital ratio | 13.4854% | 4,835 |
| Total risk-based capital ratio | 14.7466% | 4,780 |
| Memoranda: | ||
| Average total assets | $285,099,670 | 2,268 |
| Average earning assets | $259,066,670 | 2,266 |
| Average equity | $28,354,670 | 2,365 |
| Average total loans | $223,766,670 | 1,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 1,434 |
| Cost of funding earning assets | 1.3049% | 620 |
| Net interest margin | 3.8439% | 3,165 |
| Noninterest income to average assets | 0.4846% | 4,027 |
| Noninterest expense to average assets | 2.6857% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8156% | 3,317 |
| Return on assets (ROA) | 0.8156% | 3,549 |
| Pretax return on assets | 1.2835% | 2,595 |
| Return on Equity (ROE) | 8.2809% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.2809% | 1,870 |
| Net charge-offs to loans | 2.1238% | 427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7658% | 3,950 |
| Efficiency ratio | 67.6636% | 4,242 |
| Assets per employee ($millions) | 2.7427% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2536% | 1,770 |
| Loan loss allowance to noncurrent loans | 91.4239% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 3.5885% | 1,589 |
| Noncurrent loans to loans | 2.4650% | 2,645 |
| Net loans and leases to total assets | 76.1049% | 787 |
| Net loans and leases to deposits | 91.4129% | 846 |
| Net loans and leases to core deposits | 102.5290% | 839 |
| Total domestic deposits to total assets | 83.2540% | 4,832 |
| Equity capital to assets | 9.8879% | 4,271 |
| Core capital (leverage) ratio | 9.9579% | 3,415 |
| Tier 1 risk-based capital ratio | 13.0053% | 5,215 |
| Total risk-based capital ratio | 14.2685% | 5,176 |
| Memoranda: | ||
| Average total assets | $286,404,000 | 2,273 |
| Average earning assets | $259,632,500 | 2,282 |
| Average equity | $28,209,500 | 2,375 |
| Average total loans | $226,005,500 | 1,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 1,510 |
| Cost of funding earning assets | 1.5262% | 646 |
| Net interest margin | 3.8393% | 3,629 |
| Noninterest income to average assets | 0.6158% | 3,082 |
| Noninterest expense to average assets | 2.7556% | 4,528 |
| Loan and lease loss provision to assets | 1.5681% | 461 |
| Net operating income to assets | -0.1302% | 6,186 |
| Return on assets (ROA) | -0.1302% | 6,260 |
| Pretax return on assets | -0.2221% | 6,298 |
| Return on Equity (ROE) | -1.3749% | 6,285 |
| Retained earnings to average equity (ytd only) | -1.3749% | 6,070 |
| Net charge-offs to loans | 1.5298% | 1,044 |
| Credit loss provision to net charge-offs | 127.6712% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.0959% | 4,966 |
| Efficiency ratio | 67.1835% | 4,538 |
| Assets per employee ($millions) | 2.7653% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7450% | 1,038 |
| Loan loss allowance to noncurrent loans | 123.8218% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 3.5716% | 1,649 |
| Noncurrent loans to loans | 2.2169% | 2,935 |
| Net loans and leases to total assets | 77.7797% | 734 |
| Net loans and leases to deposits | 93.4413% | 853 |
| Net loans and leases to core deposits | 107.6383% | 724 |
| Total domestic deposits to total assets | 83.2391% | 4,653 |
| Equity capital to assets | 9.8108% | 4,426 |
| Core capital (leverage) ratio | 9.5507% | 3,944 |
| Tier 1 risk-based capital ratio | 12.6270% | 5,348 |
| Total risk-based capital ratio | 13.8967% | 5,320 |
| Memoranda: | ||
| Average total assets | $297,176,400 | 2,156 |
| Average earning assets | $269,817,200 | 2,167 |
| Average equity | $28,147,000 | 2,325 |
| Average total loans | $238,591,800 | 1,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 1,584 |
| Cost of funding earning assets | 1.5320% | 767 |
| Net interest margin | 3.8446% | 3,645 |
| Noninterest income to average assets | 0.7127% | 2,525 |
| Noninterest expense to average assets | 2.7748% | 4,446 |
| Loan and lease loss provision to assets | 1.7473% | 351 |
| Net operating income to assets | -0.1932% | 6,381 |
| Return on assets (ROA) | -0.1932% | 6,462 |
| Pretax return on assets | -0.3170% | 6,507 |
| Return on Equity (ROE) | -2.0569% | 6,483 |
| Retained earnings to average equity (ytd only) | -2.0569% | 6,303 |
| Net charge-offs to loans | 1.6870% | 820 |
| Credit loss provision to net charge-offs | 128.8896% | 2,469 |
| Earnings coverage of net charge-offs (x) | 1.0550% | 4,840 |
| Efficiency ratio | 65.9873% | 4,721 |
| Assets per employee ($millions) | 2.5857% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6340% | 1,223 |
| Loan loss allowance to noncurrent loans | 78.8796% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 4.3103% | 1,403 |
| Noncurrent loans to loans | 3.3393% | 2,067 |
| Net loans and leases to total assets | 77.4888% | 770 |
| Net loans and leases to deposits | 92.5770% | 961 |
| Net loans and leases to core deposits | 130.5749% | 242 |
| Total domestic deposits to total assets | 83.7020% | 4,374 |
| Equity capital to assets | 9.5598% | 4,993 |
| Core capital (leverage) ratio | 9.3717% | 4,346 |
| Tier 1 risk-based capital ratio | 12.2525% | 5,701 |
| Total risk-based capital ratio | 13.5217% | 5,670 |
| Memoranda: | ||
| Average total assets | $300,263,250 | 2,142 |
| Average earning assets | $272,759,250 | 2,153 |
| Average equity | $28,197,750 | 2,316 |
| Average total loans | $241,291,750 | 1,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 1,478 |
| Cost of funding earning assets | 1.5337% | 883 |
| Net interest margin | 3.8952% | 3,331 |
| Noninterest income to average assets | 0.8391% | 1,843 |
| Noninterest expense to average assets | 2.7885% | 4,477 |
| Loan and lease loss provision to assets | 1.6174% | 427 |
| Net operating income to assets | -0.0066% | 6,239 |
| Return on assets (ROA) | -0.0066% | 6,308 |
| Pretax return on assets | -0.0257% | 6,288 |
| Return on Equity (ROE) | -0.0707% | 6,310 |
| Retained earnings to average equity (ytd only) | -0.0707% | 5,852 |
| Net charge-offs to loans | 1.4512% | 1,034 |
| Credit loss provision to net charge-offs | 138.2619% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.3606% | 4,262 |
| Efficiency ratio | 63.6624% | 5,310 |
| Assets per employee ($millions) | 2.6343% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5026% | 1,446 |
| Loan loss allowance to noncurrent loans | 188.2671% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 2.4560% | 2,712 |
| Noncurrent loans to loans | 1.3293% | 4,431 |
| Net loans and leases to total assets | 77.4895% | 848 |
| Net loans and leases to deposits | 92.4837% | 1,001 |
| Net loans and leases to core deposits | 129.6278% | 279 |
| Total domestic deposits to total assets | 83.7872% | 4,436 |
| Equity capital to assets | 9.5425% | 4,744 |
| Core capital (leverage) ratio | 9.3465% | 4,180 |
| Tier 1 risk-based capital ratio | 12.2713% | 5,547 |
| Total risk-based capital ratio | 13.5380% | 5,514 |
| Memoranda: | ||
| Average total assets | $302,956,670 | 2,129 |
| Average earning assets | $275,414,330 | 2,140 |
| Average equity | $28,286,330 | 2,292 |
| Average total loans | $244,211,000 | 1,747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 1,599 |
| Cost of funding earning assets | 1.5466% | 990 |
| Net interest margin | 3.8419% | 3,407 |
| Noninterest income to average assets | 1.2723% | 786 |
| Noninterest expense to average assets | 2.8757% | 4,167 |
| Loan and lease loss provision to assets | 2.3561% | 223 |
| Net operating income to assets | -0.2788% | 6,637 |
| Return on assets (ROA) | -0.2788% | 6,653 |
| Pretax return on assets | -0.4738% | 6,742 |
| Return on Equity (ROE) | -3.0184% | 6,674 |
| Retained earnings to average equity (ytd only) | -3.0184% | 6,301 |
| Net charge-offs to loans | 2.3982% | 493 |
| Credit loss provision to net charge-offs | 121.0491% | 2,258 |
| Earnings coverage of net charge-offs (x) | 0.9670% | 3,928 |
| Efficiency ratio | 60.4402% | 5,910 |
| Assets per employee ($millions) | 2.7001% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3006% | 1,762 |
| Loan loss allowance to noncurrent loans | 114.3445% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 3.2495% | 2,112 |
| Noncurrent loans to loans | 2.0120% | 3,562 |
| Net loans and leases to total assets | 78.0197% | 721 |
| Net loans and leases to deposits | 92.6375% | 967 |
| Net loans and leases to core deposits | 128.7602% | 283 |
| Total domestic deposits to total assets | 84.2204% | 4,402 |
| Equity capital to assets | 9.2968% | 4,733 |
| Core capital (leverage) ratio | 9.1395% | 4,390 |
| Tier 1 risk-based capital ratio | 11.9889% | 5,703 |
| Total risk-based capital ratio | 13.2530% | 5,675 |
| Memoranda: | ||
| Average total assets | $305,595,500 | 2,117 |
| Average earning assets | $277,260,500 | 2,135 |
| Average equity | $28,226,500 | 2,289 |
| Average total loans | $248,021,000 | 1,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 1,795 |
| Cost of funding earning assets | 1.9353% | 752 |
| Net interest margin | 3.6955% | 4,366 |
| Noninterest income to average assets | 0.4924% | 4,233 |
| Noninterest expense to average assets | 2.7125% | 4,936 |
| Loan and lease loss provision to assets | 1.1115% | 1,433 |
| Net operating income to assets | 0.0221% | 5,769 |
| Return on assets (ROA) | 0.0221% | 5,906 |
| Pretax return on assets | 0.0257% | 5,846 |
| Return on Equity (ROE) | 0.2614% | 5,891 |
| Retained earnings to average equity (ytd only) | 0.2614% | 5,450 |
| Net charge-offs to loans | 1.8607% | 1,115 |
| Credit loss provision to net charge-offs | 73.3826% | 5,777 |
| Earnings coverage of net charge-offs (x) | 0.7508% | 5,369 |
| Efficiency ratio | 70.4588% | 4,075 |
| Assets per employee ($millions) | 2.6391% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 2,157 |
| Loan loss allowance to noncurrent loans | 133.5796% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3532% | 2,915 |
| Noncurrent loans to loans | 1.5420% | 4,183 |
| Net loans and leases to total assets | 80.7381% | 572 |
| Net loans and leases to deposits | 95.6572% | 898 |
| Net loans and leases to core deposits | 136.9827% | 250 |
| Total domestic deposits to total assets | 84.4035% | 4,173 |
| Equity capital to assets | 9.1776% | 4,873 |
| Core capital (leverage) ratio | 9.0149% | 4,523 |
| Tier 1 risk-based capital ratio | 11.6151% | 5,802 |
| Total risk-based capital ratio | 12.8763% | 5,799 |
| Memoranda: | ||
| Average total assets | $330,620,000 | 1,965 |
| Average earning assets | $300,367,400 | 1,975 |
| Average equity | $27,927,600 | 2,316 |
| Average total loans | $269,141,400 | 1,655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 1,945 |
| Cost of funding earning assets | 2.0064% | 740 |
| Net interest margin | 3.6236% | 4,757 |
| Noninterest income to average assets | 0.4923% | 4,250 |
| Noninterest expense to average assets | 2.7390% | 4,726 |
| Loan and lease loss provision to assets | 1.1505% | 1,263 |
| Net operating income to assets | -0.0611% | 6,123 |
| Return on assets (ROA) | -0.0611% | 6,230 |
| Pretax return on assets | -0.1055% | 6,225 |
| Return on Equity (ROE) | -0.7379% | 6,254 |
| Retained earnings to average equity (ytd only) | -0.7379% | 5,972 |
| Net charge-offs to loans | 1.2854% | 1,589 |
| Credit loss provision to net charge-offs | 110.2662% | 3,837 |
| Earnings coverage of net charge-offs (x) | 1.0015% | 5,062 |
| Efficiency ratio | 72.3841% | 3,632 |
| Assets per employee ($millions) | 2.6782% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6128% | 1,190 |
| Loan loss allowance to noncurrent loans | 308.6564% | 954 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 3,381 |
| Noncurrent loans to loans | 0.8465% | 5,532 |
| Net loans and leases to total assets | 80.0639% | 738 |
| Net loans and leases to deposits | 94.2888% | 1,169 |
| Net loans and leases to core deposits | 139.4118% | 263 |
| Total domestic deposits to total assets | 84.9135% | 3,656 |
| Equity capital to assets | 8.8802% | 5,731 |
| Core capital (leverage) ratio | 8.5618% | 5,400 |
| Tier 1 risk-based capital ratio | 11.2204% | 6,172 |
| Total risk-based capital ratio | 12.4887% | 6,151 |
| Memoranda: | ||
| Average total assets | $336,081,250 | 1,970 |
| Average earning assets | $305,289,000 | 1,977 |
| Average equity | $27,825,000 | 2,351 |
| Average total loans | $272,791,250 | 1,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5609% | 2,291 |
| Cost of funding earning assets | 2.0664% | 742 |
| Net interest margin | 3.4945% | 5,269 |
| Noninterest income to average assets | 0.4926% | 4,178 |
| Noninterest expense to average assets | 2.7730% | 4,601 |
| Loan and lease loss provision to assets | 1.5210% | 867 |
| Net operating income to assets | -0.3873% | 6,554 |
| Return on assets (ROA) | -0.3873% | 6,595 |
| Pretax return on assets | -0.6277% | 6,683 |
| Return on Equity (ROE) | -4.7857% | 6,679 |
| Retained earnings to average equity (ytd only) | -4.7857% | 6,530 |
| Net charge-offs to loans | 0.9422% | 1,953 |
| Credit loss provision to net charge-offs | 199.6928% | 1,977 |
| Earnings coverage of net charge-offs (x) | 1.1728% | 4,623 |
| Efficiency ratio | 75.6343% | 3,134 |
| Assets per employee ($millions) | 2.7945% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9266% | 887 |
| Loan loss allowance to noncurrent loans | 145.5369% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 2.5987% | 2,791 |
| Noncurrent loans to loans | 2.0109% | 3,702 |
| Net loans and leases to total assets | 77.2514% | 1,243 |
| Net loans and leases to deposits | 89.9676% | 1,863 |
| Net loans and leases to core deposits | 148.6132% | 223 |
| Total domestic deposits to total assets | 85.8658% | 3,169 |
| Equity capital to assets | 8.2069% | 6,535 |
| Core capital (leverage) ratio | 8.0753% | 6,158 |
| Tier 1 risk-based capital ratio | 11.2461% | 6,003 |
| Total risk-based capital ratio | 12.5204% | 5,960 |
| Memoranda: | ||
| Average total assets | $341,872,000 | 1,950 |
| Average earning assets | $310,492,000 | 1,958 |
| Average equity | $27,666,000 | 2,358 |
| Average total loans | $276,382,670 | 1,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,790 |
| Cost of funding earning assets | 2.1249% | 746 |
| Net interest margin | 3.3333% | 5,847 |
| Noninterest income to average assets | 0.4748% | 4,250 |
| Noninterest expense to average assets | 2.8929% | 4,087 |
| Loan and lease loss provision to assets | 2.3273% | 460 |
| Net operating income to assets | -1.0880% | 7,159 |
| Return on assets (ROA) | -1.0880% | 7,176 |
| Pretax return on assets | -1.7280% | 7,329 |
| Return on Equity (ROE) | -13.5390% | 7,274 |
| Retained earnings to average equity (ytd only) | -13.5390% | 7,149 |
| Net charge-offs to loans | 1.4384% | 1,201 |
| Credit loss provision to net charge-offs | 198.6097% | 1,867 |
| Earnings coverage of net charge-offs (x) | 0.5114% | 4,580 |
| Efficiency ratio | 82.8391% | 2,157 |
| Assets per employee ($millions) | 2.9468% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7531% | 1,032 |
| Loan loss allowance to noncurrent loans | 71.0065% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 4.0797% | 1,677 |
| Noncurrent loans to loans | 3.8772% | 2,041 |
| Net loans and leases to total assets | 76.8981% | 1,349 |
| Net loans and leases to deposits | 90.1479% | 1,880 |
| Net loans and leases to core deposits | 148.7459% | 252 |
| Total domestic deposits to total assets | 85.3021% | 3,507 |
| Equity capital to assets | 7.8559% | 6,803 |
| Core capital (leverage) ratio | 7.9762% | 6,270 |
| Tier 1 risk-based capital ratio | 10.2407% | 6,856 |
| Total risk-based capital ratio | 11.5103% | 6,834 |
| Memoranda: | ||
| Average total assets | $343,743,000 | 1,994 |
| Average earning assets | $311,163,000 | 2,005 |
| Average equity | $27,624,000 | 2,399 |
| Average total loans | $280,031,500 | 1,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 4,139 |
| Cost of funding earning assets | 2.6508% | 671 |
| Net interest margin | 2.8496% | 6,970 |
| Noninterest income to average assets | 0.3333% | 5,706 |
| Noninterest expense to average assets | 2.4368% | 6,347 |
| Loan and lease loss provision to assets | 2.2973% | 888 |
| Net operating income to assets | -1.1054% | 6,645 |
| Return on assets (ROA) | -1.0974% | 6,645 |
| Pretax return on assets | -1.7732% | 6,846 |
| Return on Equity (ROE) | -12.7693% | 6,816 |
| Retained earnings to average equity (ytd only) | -12.9993% | 6,754 |
| Net charge-offs to loans | 2.1259% | 1,141 |
| Credit loss provision to net charge-offs | 129.1889% | 3,982 |
| Earnings coverage of net charge-offs (x) | 0.2877% | 5,825 |
| Efficiency ratio | 82.6502% | 2,533 |
| Assets per employee ($millions) | 2.7623% | 6,731 |
| Cash dividends to net income (ytd only)* | -1.8016% | 7,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3069% | 1,471 |
| Loan loss allowance to noncurrent loans | 55.2828% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 4.2777% | 1,530 |
| Noncurrent loans to loans | 4.1729% | 1,752 |
| Net loans and leases to total assets | 81.9759% | 687 |
| Net loans and leases to deposits | 96.7104% | 1,238 |
| Net loans and leases to core deposits | 130.1734% | 1,272 |
| Total domestic deposits to total assets | 84.7643% | 3,676 |
| Equity capital to assets | 8.2208% | 6,318 |
| Core capital (leverage) ratio | 8.1626% | 5,881 |
| Tier 1 risk-based capital ratio | 10.2992% | 6,588 |
| Total risk-based capital ratio | 11.5634% | 6,547 |
| Memoranda: | ||
| Average total assets | $359,120,800 | 1,891 |
| Average earning assets | $329,558,000 | 1,884 |
| Average equity | $30,863,200 | 2,173 |
| Average total loans | $300,395,400 | 1,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 4,541 |
| Cost of funding earning assets | 2.7179% | 750 |
| Net interest margin | 2.7581% | 7,119 |
| Noninterest income to average assets | 0.4726% | 4,728 |
| Noninterest expense to average assets | 2.3632% | 6,521 |
| Loan and lease loss provision to assets | 1.4653% | 1,311 |
| Net operating income to assets | -0.5140% | 6,444 |
| Return on assets (ROA) | -0.5140% | 6,441 |
| Pretax return on assets | -0.8166% | 6,555 |
| Return on Equity (ROE) | -5.9204% | 6,547 |
| Retained earnings to average equity (ytd only) | -6.2200% | 6,412 |
| Net charge-offs to loans | 1.2762% | 1,612 |
| Credit loss provision to net charge-offs | 137.3626% | 3,603 |
| Earnings coverage of net charge-offs (x) | 0.6082% | 5,422 |
| Efficiency ratio | 78.4602% | 3,090 |
| Assets per employee ($millions) | 2.7761% | 6,691 |
| Cash dividends to net income (ytd only)* | -5.0604% | 7,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 1,859 |
| Loan loss allowance to noncurrent loans | 66.1988% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 3.8466% | 1,678 |
| Noncurrent loans to loans | 2.9842% | 2,531 |
| Net loans and leases to total assets | 82.9522% | 671 |
| Net loans and leases to deposits | 98.5261% | 1,262 |
| Net loans and leases to core deposits | 140.3250% | 902 |
| Total domestic deposits to total assets | 84.1931% | 3,631 |
| Equity capital to assets | 8.8603% | 5,689 |
| Core capital (leverage) ratio | 8.7452% | 5,052 |
| Tier 1 risk-based capital ratio | 10.8849% | 6,071 |
| Total risk-based capital ratio | 12.1450% | 6,017 |
| Memoranda: | ||
| Average total assets | $363,960,500 | 1,879 |
| Average earning assets | $335,100,000 | 1,870 |
| Average equity | $31,596,250 | 2,137 |
| Average total loans | $304,219,250 | 1,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 5,306 |
| Cost of funding earning assets | 2.7929% | 808 |
| Net interest margin | 2.5765% | 7,384 |
| Noninterest income to average assets | 0.4632% | 4,755 |
| Noninterest expense to average assets | 2.3057% | 6,744 |
| Loan and lease loss provision to assets | 0.9686% | 1,741 |
| Net operating income to assets | -0.2689% | 6,289 |
| Return on assets (ROA) | -0.2689% | 6,302 |
| Pretax return on assets | -0.4275% | 6,351 |
| Return on Equity (ROE) | -3.1180% | 6,372 |
| Retained earnings to average equity (ytd only) | -3.1180% | 5,989 |
| Net charge-offs to loans | 0.4101% | 3,151 |
| Credit loss provision to net charge-offs | 283.6767% | 1,653 |
| Earnings coverage of net charge-offs (x) | 1.5848% | 4,352 |
| Efficiency ratio | 80.9922% | 2,888 |
| Assets per employee ($millions) | 2.9113% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 1,750 |
| Loan loss allowance to noncurrent loans | 64.3366% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 3.1573% | 1,990 |
| Noncurrent loans to loans | 2.9814% | 2,424 |
| Net loans and leases to total assets | 84.5377% | 551 |
| Net loans and leases to deposits | 101.5555% | 1,110 |
| Net loans and leases to core deposits | 154.9511% | 545 |
| Total domestic deposits to total assets | 83.2428% | 4,129 |
| Equity capital to assets | 8.8999% | 5,453 |
| Core capital (leverage) ratio | 8.4304% | 5,564 |
| Tier 1 risk-based capital ratio | 10.8762% | 6,005 |
| Total risk-based capital ratio | 12.1355% | 5,940 |
| Memoranda: | ||
| Average total assets | $369,611,670 | 1,881 |
| Average earning assets | $341,941,670 | 1,854 |
| Average equity | $31,879,670 | 2,122 |
| Average total loans | $307,742,000 | 1,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 6,314 |
| Cost of funding earning assets | 2.7422% | 1,135 |
| Net interest margin | 2.4538% | 7,555 |
| Noninterest income to average assets | 0.4352% | 4,916 |
| Noninterest expense to average assets | 2.1580% | 6,985 |
| Loan and lease loss provision to assets | 1.5392% | 816 |
| Net operating income to assets | -0.6093% | 6,974 |
| Return on assets (ROA) | -0.6093% | 7,016 |
| Pretax return on assets | -0.9681% | 7,138 |
| Return on Equity (ROE) | -7.1718% | 7,162 |
| Retained earnings to average equity (ytd only) | -7.1718% | 6,813 |
| Net charge-offs to loans | 0.3708% | 2,606 |
| Credit loss provision to net charge-offs | 506.9930% | 1,064 |
| Earnings coverage of net charge-offs (x) | 1.8811% | 3,782 |
| Efficiency ratio | 79.0743% | 2,989 |
| Assets per employee ($millions) | 3.0558% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 1,607 |
| Loan loss allowance to noncurrent loans | 77.1868% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.6518% | 2,163 |
| Noncurrent loans to loans | 2.4696% | 2,666 |
| Net loans and leases to total assets | 80.4654% | 1,302 |
| Net loans and leases to deposits | 98.7346% | 1,567 |
| Net loans and leases to core deposits | 167.6988% | 380 |
| Total domestic deposits to total assets | 81.4966% | 4,746 |
| Equity capital to assets | 8.4342% | 6,178 |
| Core capital (leverage) ratio | 8.4099% | 5,705 |
| Tier 1 risk-based capital ratio | 10.4157% | 6,482 |
| Total risk-based capital ratio | 11.6740% | 6,384 |
| Memoranda: | ||
| Average total assets | $376,831,000 | 1,854 |
| Average earning assets | $352,272,500 | 1,819 |
| Average equity | $32,014,500 | 2,119 |
| Average total loans | $308,549,500 | 1,619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0837% | 5,125 |
| Cost of funding earning assets | 3.0141% | 1,823 |
| Net interest margin | 3.0696% | 6,742 |
| Noninterest income to average assets | 0.6621% | 3,390 |
| Noninterest expense to average assets | 2.5012% | 6,002 |
| Loan and lease loss provision to assets | 0.3643% | 3,506 |
| Net operating income to assets | 0.4293% | 5,032 |
| Return on assets (ROA) | 0.4293% | 4,850 |
| Pretax return on assets | 0.6594% | 4,519 |
| Return on Equity (ROE) | 4.8948% | 4,431 |
| Retained earnings to average equity (ytd only) | -0.1108% | 5,303 |
| Net charge-offs to loans | 0.1921% | 4,268 |
| Credit loss provision to net charge-offs | 239.3617% | 1,967 |
| Earnings coverage of net charge-offs (x) | 6.7270% | 3,290 |
| Efficiency ratio | 70.9584% | 4,143 |
| Assets per employee ($millions) | 3.0967% | 5,771 |
| Cash dividends to net income (ytd only)* | 102.2627% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 2,560 |
| Loan loss allowance to noncurrent loans | 212.1512% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 3,824 |
| Noncurrent loans to loans | 0.7196% | 5,233 |
| Net loans and leases to total assets | 80.4842% | 1,554 |
| Net loans and leases to deposits | 100.1538% | 1,820 |
| Net loans and leases to core deposits | 186.6754% | 233 |
| Total domestic deposits to total assets | 80.3606% | 4,880 |
| Equity capital to assets | 8.5569% | 5,997 |
| Core capital (leverage) ratio | 8.4355% | 5,686 |
| Tier 1 risk-based capital ratio | 10.6758% | 6,025 |
| Total risk-based capital ratio | 11.9297% | 5,932 |
| Memoranda: | ||
| Average total assets | $370,615,200 | 1,815 |
| Average earning assets | $345,644,200 | 1,792 |
| Average equity | $32,503,800 | 2,083 |
| Average total loans | $293,563,400 | 1,643 |