Home > Private Bank Minnesota > Performance and Condition Ratios
Private Bank Minnesota, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,987 |
| Cost of funding earning assets | 0.1712% | 6,221 |
| Net interest margin | 3.7546% | 2,658 |
| Noninterest income to average assets | 0.3791% | 4,354 |
| Noninterest expense to average assets | 2.9432% | 3,071 |
| Loan and lease loss provision to assets | 0.0814% | 2,531 |
| Net operating income to assets | 0.5701% | 4,351 |
| Return on assets (ROA) | 0.5701% | 4,427 |
| Pretax return on assets | 0.9268% | 3,601 |
| Return on Equity (ROE) | 5.3134% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,912 |
| Net charge-offs to loans | -0.0546% | 5,838 |
| Credit loss provision to net charge-offs | -207.1429% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4847% | 3,049 |
| Assets per employee ($millions) | 5.4939% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 1,080 |
| Loan loss allowance to noncurrent loans | 79.5189% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 3.2679% | 819 |
| Noncurrent loans to loans | 2.8513% | 1,146 |
| Net loans and leases to total assets | 69.8275% | 1,923 |
| Net loans and leases to deposits | 78.3934% | 2,495 |
| Net loans and leases to core deposits | 81.2200% | 2,825 |
| Total domestic deposits to total assets | 89.0732% | 1,609 |
| Equity capital to assets | 10.8042% | 2,936 |
| Core capital (leverage) ratio | 11.0247% | 2,365 |
| Tier 1 risk-based capital ratio | 13.4094% | 4,760 |
| Total risk-based capital ratio | 14.6701% | 4,681 |
| Memoranda: | ||
| Average total assets | $142,431,000 | 3,840 |
| Average earning assets | $135,513,500 | 3,738 |
| Average equity | $15,282,000 | 3,812 |
| Average total loans | $102,507,000 | 3,417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 3,221 |
| Cost of funding earning assets | 0.1948% | 6,317 |
| Net interest margin | 4.0377% | 1,844 |
| Noninterest income to average assets | -0.7553% | 6,799 |
| Noninterest expense to average assets | 3.1607% | 2,546 |
| Loan and lease loss provision to assets | 0.0958% | 3,205 |
| Net operating income to assets | -0.1087% | 6,307 |
| Return on assets (ROA) | -0.1087% | 6,327 |
| Pretax return on assets | -0.2210% | 6,368 |
| Return on Equity (ROE) | -0.9483% | 6,320 |
| Retained earnings to average equity (ytd only) | -0.9483% | 6,053 |
| Net charge-offs to loans | 0.1176% | 3,635 |
| Credit loss provision to net charge-offs | 104.7244% | 2,309 |
| Earnings coverage of net charge-offs (x) | -1.3701% | 5,290 |
| Efficiency ratio | 104.1271% | 369 |
| Assets per employee ($millions) | 5.2600% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2058% | 1,169 |
| Loan loss allowance to noncurrent loans | 97.0098% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.8862% | 1,113 |
| Noncurrent loans to loans | 2.2738% | 1,700 |
| Net loans and leases to total assets | 70.8956% | 1,856 |
| Net loans and leases to deposits | 79.3647% | 2,542 |
| Net loans and leases to core deposits | 81.2895% | 2,978 |
| Total domestic deposits to total assets | 89.3290% | 1,417 |
| Equity capital to assets | 10.6541% | 2,974 |
| Core capital (leverage) ratio | 10.7966% | 2,579 |
| Tier 1 risk-based capital ratio | 13.0320% | 4,947 |
| Total risk-based capital ratio | 14.2925% | 4,894 |
| Memoranda: | ||
| Average total assets | $138,892,000 | 3,902 |
| Average earning assets | $130,395,600 | 3,837 |
| Average equity | $15,923,200 | 3,714 |
| Average total loans | $108,032,400 | 3,284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 3,099 |
| Cost of funding earning assets | 0.2001% | 6,399 |
| Net interest margin | 4.0732% | 1,712 |
| Noninterest income to average assets | -0.7675% | 6,878 |
| Noninterest expense to average assets | 3.2254% | 2,284 |
| Loan and lease loss provision to assets | -0.0840% | 6,604 |
| Net operating income to assets | -0.0338% | 6,328 |
| Return on assets (ROA) | -0.0338% | 6,366 |
| Pretax return on assets | -0.0956% | 6,398 |
| Return on Equity (ROE) | -0.2895% | 6,369 |
| Retained earnings to average equity (ytd only) | -0.2895% | 6,000 |
| Net charge-offs to loans | 0.2062% | 2,589 |
| Credit loss provision to net charge-offs | -51.4793% | 5,715 |
| Earnings coverage of net charge-offs (x) | -1.1006% | 5,025 |
| Efficiency ratio | 105.8954% | 328 |
| Assets per employee ($millions) | 5.3733% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 1,867 |
| Loan loss allowance to noncurrent loans | 79.8172% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.4824% | 977 |
| Noncurrent loans to loans | 2.4361% | 1,791 |
| Net loans and leases to total assets | 75.4176% | 1,073 |
| Net loans and leases to deposits | 85.6274% | 1,658 |
| Net loans and leases to core deposits | 87.8565% | 2,211 |
| Total domestic deposits to total assets | 88.0766% | 2,080 |
| Equity capital to assets | 11.8103% | 2,038 |
| Core capital (leverage) ratio | 11.2985% | 2,200 |
| Tier 1 risk-based capital ratio | 13.5462% | 4,726 |
| Total risk-based capital ratio | 14.8024% | 4,682 |
| Memoranda: | ||
| Average total assets | $138,110,000 | 3,948 |
| Average earning assets | $129,296,750 | 3,900 |
| Average equity | $16,121,250 | 3,724 |
| Average total loans | $109,301,250 | 3,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 3,369 |
| Cost of funding earning assets | 0.1994% | 6,473 |
| Net interest margin | 4.0003% | 1,852 |
| Noninterest income to average assets | 0.2612% | 5,591 |
| Noninterest expense to average assets | 3.3250% | 2,004 |
| Loan and lease loss provision to assets | 0.3875% | 820 |
| Net operating income to assets | 0.1966% | 5,903 |
| Return on assets (ROA) | 0.1966% | 6,028 |
| Pretax return on assets | 0.2913% | 5,901 |
| Return on Equity (ROE) | 1.6907% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.6907% | 5,169 |
| Net charge-offs to loans | 0.1545% | 2,864 |
| Credit loss provision to net charge-offs | 313.9535% | 821 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,885 |
| Efficiency ratio | 83.0466% | 1,750 |
| Assets per employee ($millions) | 5.3355% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 1,339 |
| Loan loss allowance to noncurrent loans | 65.6217% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 5.2426% | 564 |
| Noncurrent loans to loans | 3.4258% | 1,244 |
| Net loans and leases to total assets | 79.8333% | 553 |
| Net loans and leases to deposits | 90.7099% | 1,079 |
| Net loans and leases to core deposits | 93.2910% | 1,592 |
| Total domestic deposits to total assets | 88.0094% | 2,243 |
| Equity capital to assets | 11.9546% | 1,945 |
| Core capital (leverage) ratio | 11.4513% | 1,975 |
| Tier 1 risk-based capital ratio | 13.0069% | 5,139 |
| Total risk-based capital ratio | 14.2669% | 5,072 |
| Memoranda: | ||
| Average total assets | $139,369,330 | 3,961 |
| Average earning assets | $130,390,000 | 3,896 |
| Average equity | $16,206,670 | 3,738 |
| Average total loans | $111,295,330 | 3,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 3,587 |
| Cost of funding earning assets | 0.1989% | 6,574 |
| Net interest margin | 3.9337% | 2,004 |
| Noninterest income to average assets | 0.1573% | 6,321 |
| Noninterest expense to average assets | 3.1975% | 2,361 |
| Loan and lease loss provision to assets | 0.7474% | 308 |
| Net operating income to assets | -0.0309% | 6,379 |
| Return on assets (ROA) | -0.0309% | 6,439 |
| Pretax return on assets | -0.1208% | 6,498 |
| Return on Equity (ROE) | -0.2693% | 6,445 |
| Retained earnings to average equity (ytd only) | -0.2693% | 5,830 |
| Net charge-offs to loans | 0.6899% | 890 |
| Credit loss provision to net charge-offs | 137.1134% | 1,455 |
| Earnings coverage of net charge-offs (x) | 1.1495% | 3,445 |
| Efficiency ratio | 83.6150% | 1,818 |
| Assets per employee ($millions) | 4.3850% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 1,667 |
| Loan loss allowance to noncurrent loans | 61.5973% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 5.1899% | 682 |
| Noncurrent loans to loans | 3.5056% | 1,367 |
| Net loans and leases to total assets | 77.8970% | 621 |
| Net loans and leases to deposits | 88.8876% | 1,061 |
| Net loans and leases to core deposits | 90.0104% | 1,691 |
| Total domestic deposits to total assets | 87.6354% | 2,548 |
| Equity capital to assets | 11.9976% | 2,047 |
| Core capital (leverage) ratio | 11.1829% | 2,111 |
| Tier 1 risk-based capital ratio | 12.6057% | 5,517 |
| Total risk-based capital ratio | 13.8647% | 5,457 |
| Memoranda: | ||
| Average total assets | $142,360,000 | 3,943 |
| Average earning assets | $132,698,000 | 3,887 |
| Average equity | $16,337,000 | 3,761 |
| Average total loans | $112,474,500 | 3,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 3,074 |
| Cost of funding earning assets | 0.2675% | 6,599 |
| Net interest margin | 4.3145% | 1,373 |
| Noninterest income to average assets | 0.3034% | 5,279 |
| Noninterest expense to average assets | 3.1598% | 2,733 |
| Loan and lease loss provision to assets | 1.2684% | 278 |
| Net operating income to assets | -0.8594% | 6,693 |
| Return on assets (ROA) | -0.8594% | 6,719 |
| Pretax return on assets | -0.1158% | 6,372 |
| Return on Equity (ROE) | -7.1690% | 6,662 |
| Retained earnings to average equity (ytd only) | -7.1690% | 6,537 |
| Net charge-offs to loans | 1.8341% | 433 |
| Credit loss provision to net charge-offs | 82.1131% | 3,760 |
| Earnings coverage of net charge-offs (x) | 0.7462% | 5,105 |
| Efficiency ratio | 73.2726% | 3,195 |
| Assets per employee ($millions) | 4.7995% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 2,173 |
| Loan loss allowance to noncurrent loans | 57.9877% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 4.2975% | 975 |
| Noncurrent loans to loans | 3.3464% | 1,522 |
| Net loans and leases to total assets | 76.9283% | 795 |
| Net loans and leases to deposits | 86.7434% | 1,411 |
| Net loans and leases to core deposits | 91.1260% | 1,711 |
| Total domestic deposits to total assets | 88.6849% | 1,781 |
| Equity capital to assets | 10.9992% | 2,958 |
| Core capital (leverage) ratio | 10.5916% | 2,666 |
| Tier 1 risk-based capital ratio | 11.8738% | 5,860 |
| Total risk-based capital ratio | 13.1301% | 5,815 |
| Memoranda: | ||
| Average total assets | $147,668,200 | 3,812 |
| Average earning assets | $137,212,400 | 3,770 |
| Average equity | $17,701,200 | 3,510 |
| Average total loans | $124,365,000 | 2,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 3,016 |
| Cost of funding earning assets | 0.2803% | 6,695 |
| Net interest margin | 4.3690% | 1,287 |
| Noninterest income to average assets | 0.3266% | 5,179 |
| Noninterest expense to average assets | 3.1888% | 2,603 |
| Loan and lease loss provision to assets | 1.3859% | 239 |
| Net operating income to assets | -0.0923% | 6,399 |
| Return on assets (ROA) | -0.0923% | 6,492 |
| Pretax return on assets | -0.1873% | 6,539 |
| Return on Equity (ROE) | -0.7541% | 6,482 |
| Retained earnings to average equity (ytd only) | -0.7541% | 6,233 |
| Net charge-offs to loans | 1.2892% | 735 |
| Credit loss provision to net charge-offs | 125.4709% | 2,295 |
| Earnings coverage of net charge-offs (x) | 1.0852% | 4,766 |
| Efficiency ratio | 72.6804% | 3,201 |
| Assets per employee ($millions) | 4.5473% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4762% | 1,236 |
| Loan loss allowance to noncurrent loans | 87.4304% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 4.1974% | 1,133 |
| Noncurrent loans to loans | 2.8322% | 1,988 |
| Net loans and leases to total assets | 83.3699% | 258 |
| Net loans and leases to deposits | 95.6226% | 682 |
| Net loans and leases to core deposits | 104.9106% | 814 |
| Total domestic deposits to total assets | 87.1864% | 2,565 |
| Equity capital to assets | 12.4781% | 1,910 |
| Core capital (leverage) ratio | 10.8003% | 2,600 |
| Tier 1 risk-based capital ratio | 11.3918% | 6,303 |
| Total risk-based capital ratio | 12.6548% | 6,247 |
| Memoranda: | ||
| Average total assets | $147,389,250 | 3,857 |
| Average earning assets | $136,991,500 | 3,811 |
| Average equity | $18,035,250 | 3,494 |
| Average total loans | $126,275,750 | 2,985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 3,141 |
| Cost of funding earning assets | 0.2832% | 6,790 |
| Net interest margin | 4.3663% | 1,293 |
| Noninterest income to average assets | 0.1792% | 6,288 |
| Noninterest expense to average assets | 3.2756% | 2,371 |
| Loan and lease loss provision to assets | 0.5511% | 1,117 |
| Net operating income to assets | 0.2688% | 5,707 |
| Return on assets (ROA) | 0.2688% | 5,904 |
| Pretax return on assets | 0.4146% | 5,675 |
| Return on Equity (ROE) | 2.2108% | 5,980 |
| Retained earnings to average equity (ytd only) | 2.2108% | 5,082 |
| Net charge-offs to loans | 1.0858% | 1,005 |
| Credit loss provision to net charge-offs | 59.1954% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.0374% | 4,502 |
| Efficiency ratio | 77.2312% | 2,561 |
| Assets per employee ($millions) | 4.5423% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,572 |
| Loan loss allowance to noncurrent loans | 55.8308% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 4.6356% | 1,048 |
| Noncurrent loans to loans | 3.3962% | 1,706 |
| Net loans and leases to total assets | 85.0371% | 177 |
| Net loans and leases to deposits | 99.2365% | 454 |
| Net loans and leases to core deposits | 107.4061% | 686 |
| Total domestic deposits to total assets | 85.6914% | 3,511 |
| Equity capital to assets | 12.6134% | 1,743 |
| Core capital (leverage) ratio | 10.9912% | 2,300 |
| Tier 1 risk-based capital ratio | 11.6590% | 6,134 |
| Total risk-based capital ratio | 12.9146% | 6,111 |
| Memoranda: | ||
| Average total assets | $149,530,000 | 3,847 |
| Average earning assets | $139,111,670 | 3,800 |
| Average equity | $18,183,670 | 3,473 |
| Average total loans | $128,198,330 | 2,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 3,198 |
| Cost of funding earning assets | 0.2961% | 6,852 |
| Net interest margin | 4.3668% | 1,299 |
| Noninterest income to average assets | 0.1530% | 6,478 |
| Noninterest expense to average assets | 3.2028% | 2,581 |
| Loan and lease loss provision to assets | 0.8363% | 566 |
| Net operating income to assets | 0.1161% | 6,205 |
| Return on assets (ROA) | 0.1161% | 6,333 |
| Pretax return on assets | 0.1609% | 6,272 |
| Return on Equity (ROE) | 0.9719% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.9719% | 5,683 |
| Net charge-offs to loans | 2.1902% | 407 |
| Credit loss provision to net charge-offs | 44.7740% | 3,366 |
| Earnings coverage of net charge-offs (x) | 0.5339% | 4,069 |
| Efficiency ratio | 76.2563% | 2,753 |
| Assets per employee ($millions) | 4.6974% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 2,949 |
| Loan loss allowance to noncurrent loans | 84.1756% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 3.4627% | 1,662 |
| Noncurrent loans to loans | 2.1536% | 2,965 |
| Net loans and leases to total assets | 82.2277% | 268 |
| Net loans and leases to deposits | 93.9625% | 668 |
| Net loans and leases to core deposits | 102.3356% | 849 |
| Total domestic deposits to total assets | 87.5111% | 2,645 |
| Equity capital to assets | 12.0784% | 1,988 |
| Core capital (leverage) ratio | 11.0116% | 2,250 |
| Tier 1 risk-based capital ratio | 11.3469% | 6,363 |
| Total risk-based capital ratio | 12.6018% | 6,342 |
| Memoranda: | ||
| Average total assets | $151,618,500 | 3,841 |
| Average earning assets | $140,516,000 | 3,804 |
| Average equity | $18,108,500 | 3,485 |
| Average total loans | $129,301,000 | 2,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 3,998 |
| Cost of funding earning assets | 0.4289% | 6,803 |
| Net interest margin | 4.3284% | 1,612 |
| Noninterest income to average assets | 0.2019% | 6,061 |
| Noninterest expense to average assets | 3.2871% | 2,560 |
| Loan and lease loss provision to assets | 1.2762% | 646 |
| Net operating income to assets | -0.1949% | 6,254 |
| Return on assets (ROA) | -0.1949% | 6,321 |
| Pretax return on assets | -0.3505% | 6,385 |
| Return on Equity (ROE) | -1.6710% | 6,311 |
| Retained earnings to average equity (ytd only) | -1.6710% | 6,112 |
| Net charge-offs to loans | 1.6337% | 963 |
| Credit loss provision to net charge-offs | 87.6199% | 4,117 |
| Earnings coverage of net charge-offs (x) | 0.6356% | 5,349 |
| Efficiency ratio | 78.0256% | 2,584 |
| Assets per employee ($millions) | 4.9329% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 2,231 |
| Loan loss allowance to noncurrent loans | 90.3041% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 4.2061% | 1,339 |
| Noncurrent loans to loans | 2.2303% | 2,922 |
| Net loans and leases to total assets | 85.0411% | 163 |
| Net loans and leases to deposits | 99.1529% | 495 |
| Net loans and leases to core deposits | 107.2475% | 744 |
| Total domestic deposits to total assets | 85.7676% | 3,449 |
| Equity capital to assets | 11.8108% | 2,266 |
| Core capital (leverage) ratio | 10.6527% | 2,562 |
| Tier 1 risk-based capital ratio | 10.7866% | 6,564 |
| Total risk-based capital ratio | 12.0435% | 6,544 |
| Memoranda: | ||
| Average total assets | $157,493,800 | 3,668 |
| Average earning assets | $145,943,400 | 3,638 |
| Average equity | $18,372,600 | 3,375 |
| Average total loans | $140,416,200 | 2,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 4,214 |
| Cost of funding earning assets | 0.4513% | 6,872 |
| Net interest margin | 4.3017% | 1,710 |
| Noninterest income to average assets | 0.1521% | 6,494 |
| Noninterest expense to average assets | 3.0929% | 3,186 |
| Loan and lease loss provision to assets | 0.6917% | 1,397 |
| Net operating income to assets | 0.2244% | 5,634 |
| Return on assets (ROA) | 0.2244% | 5,768 |
| Pretax return on assets | 0.3572% | 5,584 |
| Return on Equity (ROE) | 1.9294% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.9294% | 5,174 |
| Net charge-offs to loans | 0.9507% | 1,696 |
| Credit loss provision to net charge-offs | 81.0837% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.2296% | 4,700 |
| Efficiency ratio | 74.6753% | 3,052 |
| Assets per employee ($millions) | 4.9578% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 2,225 |
| Loan loss allowance to noncurrent loans | 50.8553% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.6789% | 1,265 |
| Noncurrent loans to loans | 4.0147% | 1,648 |
| Net loans and leases to total assets | 86.3180% | 123 |
| Net loans and leases to deposits | 106.0583% | 248 |
| Net loans and leases to core deposits | 123.1108% | 324 |
| Total domestic deposits to total assets | 81.3873% | 5,298 |
| Equity capital to assets | 12.1504% | 2,146 |
| Core capital (leverage) ratio | 11.1618% | 2,274 |
| Tier 1 risk-based capital ratio | 11.3749% | 6,314 |
| Total risk-based capital ratio | 12.6313% | 6,308 |
| Memoranda: | ||
| Average total assets | $158,637,500 | 3,675 |
| Average earning assets | $147,133,750 | 3,646 |
| Average equity | $18,450,500 | 3,364 |
| Average total loans | $142,341,000 | 2,772 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 4,301 |
| Cost of funding earning assets | 0.4702% | 6,949 |
| Net interest margin | 4.2802% | 1,734 |
| Noninterest income to average assets | 0.1622% | 6,498 |
| Noninterest expense to average assets | 3.1107% | 3,212 |
| Loan and lease loss provision to assets | 0.7823% | 1,186 |
| Net operating income to assets | 0.1422% | 5,902 |
| Return on assets (ROA) | 0.1422% | 5,999 |
| Pretax return on assets | 0.2221% | 5,882 |
| Return on Equity (ROE) | 1.2407% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.2407% | 5,360 |
| Net charge-offs to loans | 1.2928% | 1,193 |
| Credit loss provision to net charge-offs | 67.0588% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.8610% | 4,651 |
| Efficiency ratio | 75.5913% | 3,089 |
| Assets per employee ($millions) | 4.9602% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 2,681 |
| Loan loss allowance to noncurrent loans | 58.6451% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 4.0783% | 1,569 |
| Noncurrent loans to loans | 3.2322% | 2,212 |
| Net loans and leases to total assets | 89.1640% | 55 |
| Net loans and leases to deposits | 101.3648% | 433 |
| Net loans and leases to core deposits | 153.9238% | 134 |
| Total domestic deposits to total assets | 87.9635% | 2,161 |
| Equity capital to assets | 11.9858% | 2,100 |
| Core capital (leverage) ratio | 10.5753% | 2,638 |
| Tier 1 risk-based capital ratio | 10.9242% | 6,589 |
| Total risk-based capital ratio | 12.1798% | 6,552 |
| Memoranda: | ||
| Average total assets | $160,286,330 | 3,683 |
| Average earning assets | $148,031,000 | 3,653 |
| Average equity | $18,376,000 | 3,356 |
| Average total loans | $144,645,330 | 2,767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 4,330 |
| Cost of funding earning assets | 0.4899% | 7,006 |
| Net interest margin | 4.2509% | 1,740 |
| Noninterest income to average assets | 0.1590% | 6,586 |
| Noninterest expense to average assets | 3.0083% | 3,611 |
| Loan and lease loss provision to assets | 0.4158% | 2,110 |
| Net operating income to assets | 0.3767% | 5,040 |
| Return on assets (ROA) | 0.3767% | 5,121 |
| Pretax return on assets | 0.6188% | 4,609 |
| Return on Equity (ROE) | 3.3571% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.3571% | 4,170 |
| Net charge-offs to loans | 0.0653% | 4,273 |
| Credit loss provision to net charge-offs | 708.3333% | 537 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,215 |
| Efficiency ratio | 74.4102% | 3,439 |
| Assets per employee ($millions) | 5.3114% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 2,059 |
| Loan loss allowance to noncurrent loans | 73.8107% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 3.1679% | 2,173 |
| Noncurrent loans to loans | 2.9235% | 2,569 |
| Net loans and leases to total assets | 85.4517% | 159 |
| Net loans and leases to deposits | 96.8301% | 630 |
| Net loans and leases to core deposits | 157.7190% | 134 |
| Total domestic deposits to total assets | 88.2492% | 2,221 |
| Equity capital to assets | 11.1891% | 2,513 |
| Core capital (leverage) ratio | 10.3752% | 2,729 |
| Tier 1 risk-based capital ratio | 10.6547% | 6,717 |
| Total risk-based capital ratio | 11.9135% | 6,701 |
| Memoranda: | ||
| Average total assets | $163,547,000 | 3,646 |
| Average earning assets | $149,425,500 | 3,654 |
| Average equity | $18,349,000 | 3,350 |
| Average total loans | $147,092,000 | 2,754 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 5,693 |
| Cost of funding earning assets | 0.5537% | 7,224 |
| Net interest margin | 4.1758% | 2,274 |
| Noninterest income to average assets | 0.1530% | 6,629 |
| Noninterest expense to average assets | 2.7183% | 4,909 |
| Loan and lease loss provision to assets | 3.5349% | 220 |
| Net operating income to assets | -1.2676% | 6,816 |
| Return on assets (ROA) | -1.2676% | 6,842 |
| Pretax return on assets | -2.1426% | 7,072 |
| Return on Equity (ROE) | -11.0181% | 6,771 |
| Retained earnings to average equity (ytd only) | -13.4214% | 6,818 |
| Net charge-offs to loans | 3.0413% | 536 |
| Credit loss provision to net charge-offs | 125.8036% | 3,235 |
| Earnings coverage of net charge-offs (x) | 0.4955% | 5,615 |
| Efficiency ratio | 66.1286% | 4,943 |
| Assets per employee ($millions) | 5.4147% | 1,663 |
| Cash dividends to net income (ytd only)* | -21.8129% | 7,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 2,389 |
| Loan loss allowance to noncurrent loans | 76.1525% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 3.0140% | 2,332 |
| Noncurrent loans to loans | 2.5821% | 2,952 |
| Net loans and leases to total assets | 90.7561% | 40 |
| Net loans and leases to deposits | 104.4301% | 383 |
| Net loans and leases to core deposits | 183.4980% | 98 |
| Total domestic deposits to total assets | 86.9061% | 2,876 |
| Equity capital to assets | 11.2502% | 2,454 |
| Core capital (leverage) ratio | 10.1483% | 2,929 |
| Tier 1 risk-based capital ratio | 9.8967% | 7,020 |
| Total risk-based capital ratio | 11.1530% | 7,010 |
| Memoranda: | ||
| Average total assets | $162,749,200 | 3,650 |
| Average earning assets | $154,244,200 | 3,569 |
| Average equity | $18,723,800 | 3,312 |
| Average total loans | $150,364,000 | 2,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 6,118 |
| Cost of funding earning assets | 0.5651% | 7,362 |
| Net interest margin | 4.1072% | 2,596 |
| Noninterest income to average assets | 0.1294% | 6,910 |
| Noninterest expense to average assets | 2.6170% | 5,252 |
| Loan and lease loss provision to assets | 3.9739% | 165 |
| Net operating income to assets | -2.8046% | 7,410 |
| Return on assets (ROA) | -2.8046% | 7,427 |
| Pretax return on assets | -2.5630% | 7,338 |
| Return on Equity (ROE) | -24.2437% | 7,301 |
| Retained earnings to average equity (ytd only) | -27.4291% | 7,339 |
| Net charge-offs to loans | 3.7456% | 346 |
| Credit loss provision to net charge-offs | 114.8911% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.4079% | 5,613 |
| Efficiency ratio | 64.9726% | 5,057 |
| Assets per employee ($millions) | 5.4285% | 1,695 |
| Cash dividends to net income (ytd only)* | -13.1388% | 7,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,579 |
| Loan loss allowance to noncurrent loans | 108.0863% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9889% | 3,481 |
| Noncurrent loans to loans | 1.4678% | 4,424 |
| Net loans and leases to total assets | 91.6423% | 34 |
| Net loans and leases to deposits | 109.3170% | 269 |
| Net loans and leases to core deposits | 131.1237% | 365 |
| Total domestic deposits to total assets | 83.8317% | 4,220 |
| Equity capital to assets | 10.3306% | 3,726 |
| Core capital (leverage) ratio | 10.0485% | 3,206 |
| Tier 1 risk-based capital ratio | 9.8906% | 7,121 |
| Total risk-based capital ratio | 11.1427% | 7,110 |
| Memoranda: | ||
| Average total assets | $162,826,000 | 3,701 |
| Average earning assets | $154,554,000 | 3,610 |
| Average equity | $18,836,000 | 3,341 |
| Average total loans | $150,359,250 | 2,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 6,344 |
| Cost of funding earning assets | 0.5687% | 7,450 |
| Net interest margin | 4.0690% | 2,701 |
| Noninterest income to average assets | 0.1376% | 6,896 |
| Noninterest expense to average assets | 2.6730% | 5,024 |
| Loan and lease loss provision to assets | 4.3620% | 157 |
| Net operating income to assets | -3.3805% | 7,564 |
| Return on assets (ROA) | -3.3805% | 7,567 |
| Pretax return on assets | -3.0390% | 7,477 |
| Return on Equity (ROE) | -28.2160% | 7,410 |
| Retained earnings to average equity (ytd only) | -32.8298% | 7,459 |
| Net charge-offs to loans | 4.9223% | 211 |
| Credit loss provision to net charge-offs | 96.2331% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.2919% | 5,436 |
| Efficiency ratio | 66.8921% | 4,791 |
| Assets per employee ($millions) | 5.5997% | 1,539 |
| Cash dividends to net income (ytd only)* | -16.3517% | 7,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,986 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 4,444 |
| Noncurrent loans to loans | 0.7974% | 5,679 |
| Net loans and leases to total assets | 91.4281% | 39 |
| Net loans and leases to deposits | 105.6936% | 409 |
| Net loans and leases to core deposits | 134.1420% | 360 |
| Total domestic deposits to total assets | 86.5029% | 2,816 |
| Equity capital to assets | 10.7660% | 3,109 |
| Core capital (leverage) ratio | 10.3904% | 2,724 |
| Tier 1 risk-based capital ratio | 10.3121% | 6,829 |
| Total risk-based capital ratio | 11.2849% | 6,985 |
| Memoranda: | ||
| Average total assets | $162,816,000 | 3,726 |
| Average earning assets | $154,386,330 | 3,632 |
| Average equity | $19,506,670 | 3,240 |
| Average total loans | $149,928,670 | 2,840 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 6,579 |
| Cost of funding earning assets | 0.5729% | 7,575 |
| Net interest margin | 4.0204% | 2,786 |
| Noninterest income to average assets | 0.1399% | 6,979 |
| Noninterest expense to average assets | 2.5713% | 5,470 |
| Loan and lease loss provision to assets | 0.2674% | 3,885 |
| Net operating income to assets | 0.6649% | 3,590 |
| Return on assets (ROA) | 0.6649% | 3,702 |
| Pretax return on assets | 1.1066% | 2,710 |
| Return on Equity (ROE) | 5.2830% | 4,218 |
| Retained earnings to average equity (ytd only) | -3.4895% | 6,428 |
| Net charge-offs to loans | 0.1468% | 4,053 |
| Credit loss provision to net charge-offs | 198.1818% | 1,871 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 1,768 |
| Efficiency ratio | 65.1741% | 5,281 |
| Assets per employee ($millions) | 5.5774% | 1,595 |
| Cash dividends to net income (ytd only)* | 166.0517% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,388 |
| Loan loss allowance to noncurrent loans | 105.0488% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 3,897 |
| Noncurrent loans to loans | 1.1623% | 5,040 |
| Net loans and leases to total assets | 91.5811% | 40 |
| Net loans and leases to deposits | 106.5125% | 404 |
| Net loans and leases to core deposits | 155.6168% | 208 |
| Total domestic deposits to total assets | 85.9816% | 3,161 |
| Equity capital to assets | 12.6354% | 1,688 |
| Core capital (leverage) ratio | 12.2482% | 1,521 |
| Tier 1 risk-based capital ratio | 11.9428% | 5,259 |
| Total risk-based capital ratio | 13.0154% | 5,373 |
| Memoranda: | ||
| Average total assets | $163,028,500 | 3,781 |
| Average earning assets | $154,313,500 | 3,684 |
| Average equity | $20,518,500 | 3,129 |
| Average total loans | $149,838,500 | 2,903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 7,511 |
| Cost of funding earning assets | 0.7528% | 7,617 |
| Net interest margin | 3.6089% | 4,522 |
| Noninterest income to average assets | 0.1811% | 6,793 |
| Noninterest expense to average assets | 2.8298% | 4,835 |
| Loan and lease loss provision to assets | 1.3979% | 1,641 |
| Net operating income to assets | -0.3962% | 6,077 |
| Return on assets (ROA) | -0.3962% | 6,064 |
| Pretax return on assets | -0.6641% | 6,152 |
| Return on Equity (ROE) | -3.5158% | 6,056 |
| Retained earnings to average equity (ytd only) | -3.5158% | 5,793 |
| Net charge-offs to loans | 2.1008% | 1,163 |
| Credit loss provision to net charge-offs | 72.8375% | 6,435 |
| Earnings coverage of net charge-offs (x) | 0.3824% | 5,730 |
| Efficiency ratio | 79.4071% | 2,966 |
| Assets per employee ($millions) | 5.6660% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,437 |
| Loan loss allowance to noncurrent loans | 205.4335% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 4,781 |
| Noncurrent loans to loans | 0.5777% | 6,088 |
| Net loans and leases to total assets | 90.0367% | 88 |
| Net loans and leases to deposits | 111.4667% | 333 |
| Net loans and leases to core deposits | 138.0120% | 879 |
| Total domestic deposits to total assets | 80.7745% | 5,413 |
| Equity capital to assets | 12.5370% | 1,732 |
| Core capital (leverage) ratio | 12.7657% | 1,324 |
| Tier 1 risk-based capital ratio | 12.0915% | 4,857 |
| Total risk-based capital ratio | 13.1363% | 5,008 |
| Memoranda: | ||
| Average total assets | $159,020,200 | 3,790 |
| Average earning assets | $149,049,200 | 3,731 |
| Average equity | $17,919,200 | 3,515 |
| Average total loans | $145,277,800 | 2,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 7,675 |
| Cost of funding earning assets | 0.7914% | 7,705 |
| Net interest margin | 3.5096% | 4,823 |
| Noninterest income to average assets | 0.1505% | 7,106 |
| Noninterest expense to average assets | 2.8493% | 4,675 |
| Loan and lease loss provision to assets | 1.4136% | 1,363 |
| Net operating income to assets | -0.4929% | 6,416 |
| Return on assets (ROA) | -0.4929% | 6,419 |
| Pretax return on assets | -0.8243% | 6,556 |
| Return on Equity (ROE) | -4.5064% | 6,399 |
| Retained earnings to average equity (ytd only) | -4.5064% | 6,188 |
| Net charge-offs to loans | 2.6089% | 698 |
| Credit loss provision to net charge-offs | 59.2698% | 6,184 |
| Earnings coverage of net charge-offs (x) | 0.2471% | 5,768 |
| Efficiency ratio | 82.8621% | 2,451 |
| Assets per employee ($millions) | 5.4521% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,241 |
| Loan loss allowance to noncurrent loans | 158.8877% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.3990% | 4,303 |
| Noncurrent loans to loans | 0.6344% | 6,028 |
| Net loans and leases to total assets | 90.4985% | 95 |
| Net loans and leases to deposits | 102.3153% | 907 |
| Net loans and leases to core deposits | 130.9128% | 1,378 |
| Total domestic deposits to total assets | 88.4506% | 1,454 |
| Equity capital to assets | 11.1819% | 2,845 |
| Core capital (leverage) ratio | 10.5317% | 2,765 |
| Tier 1 risk-based capital ratio | 10.7109% | 6,236 |
| Total risk-based capital ratio | 11.5969% | 6,570 |
| Memoranda: | ||
| Average total assets | $157,697,000 | 3,835 |
| Average earning assets | $147,745,250 | 3,766 |
| Average equity | $17,249,000 | 3,652 |
| Average total loans | $144,167,500 | 3,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 7,832 |
| Cost of funding earning assets | 0.8309% | 7,782 |
| Net interest margin | 3.3615% | 5,310 |
| Noninterest income to average assets | 0.1549% | 7,160 |
| Noninterest expense to average assets | 2.7977% | 4,970 |
| Loan and lease loss provision to assets | 1.7263% | 971 |
| Net operating income to assets | -0.7337% | 6,778 |
| Return on assets (ROA) | -0.7337% | 6,784 |
| Pretax return on assets | -1.2313% | 6,959 |
| Return on Equity (ROE) | -6.7581% | 6,775 |
| Retained earnings to average equity (ytd only) | -6.7581% | 6,532 |
| Net charge-offs to loans | 3.6017% | 427 |
| Credit loss provision to net charge-offs | 52.4287% | 5,727 |
| Earnings coverage of net charge-offs (x) | 0.1503% | 5,520 |
| Efficiency ratio | 84.9653% | 2,365 |
| Assets per employee ($millions) | 5.4397% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,470 |
| Loan loss allowance to noncurrent loans | 150.9351% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3971% | 4,164 |
| Noncurrent loans to loans | 0.6399% | 5,968 |
| Net loans and leases to total assets | 89.1836% | 176 |
| Net loans and leases to deposits | 104.9394% | 834 |
| Net loans and leases to core deposits | 143.0105% | 888 |
| Total domestic deposits to total assets | 84.9858% | 3,266 |
| Equity capital to assets | 11.1828% | 2,767 |
| Core capital (leverage) ratio | 10.9758% | 2,417 |
| Tier 1 risk-based capital ratio | 10.8971% | 5,985 |
| Total risk-based capital ratio | 11.7457% | 6,330 |
| Memoranda: | ||
| Average total assets | $157,558,670 | 3,872 |
| Average earning assets | $147,078,000 | 3,795 |
| Average equity | $17,105,330 | 3,691 |
| Average total loans | $144,041,330 | 3,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 7,996 |
| Cost of funding earning assets | 0.9205% | 7,788 |
| Net interest margin | 3.0555% | 6,323 |
| Noninterest income to average assets | 0.1600% | 7,162 |
| Noninterest expense to average assets | 2.7638% | 4,726 |
| Loan and lease loss provision to assets | 3.2287% | 336 |
| Net operating income to assets | -1.7731% | 7,593 |
| Return on assets (ROA) | -1.7731% | 7,597 |
| Pretax return on assets | -2.9823% | 7,751 |
| Return on Equity (ROE) | -16.5820% | 7,663 |
| Retained earnings to average equity (ytd only) | -16.5820% | 7,519 |
| Net charge-offs to loans | 5.1658% | 203 |
| Credit loss provision to net charge-offs | 67.8590% | 4,391 |
| Earnings coverage of net charge-offs (x) | 0.0518% | 4,935 |
| Efficiency ratio | 91.8143% | 1,584 |
| Assets per employee ($millions) | 5.2201% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,575 |
| Loan loss allowance to noncurrent loans | 82.0639% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 2.1602% | 2,655 |
| Noncurrent loans to loans | 1.6885% | 3,721 |
| Net loans and leases to total assets | 91.0698% | 95 |
| Net loans and leases to deposits | 117.5649% | 345 |
| Net loans and leases to core deposits | 152.0399% | 647 |
| Total domestic deposits to total assets | 77.4634% | 6,160 |
| Equity capital to assets | 11.2175% | 2,795 |
| Core capital (leverage) ratio | 11.1780% | 2,360 |
| Tier 1 risk-based capital ratio | 10.5380% | 6,359 |
| Total risk-based capital ratio | 11.7450% | 6,314 |
| Memoranda: | ||
| Average total assets | $157,462,500 | 3,870 |
| Average earning assets | $146,881,500 | 3,813 |
| Average equity | $16,837,500 | 3,757 |
| Average total loans | $145,032,000 | 3,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 7,268 |
| Cost of funding earning assets | 1.6189% | 7,407 |
| Net interest margin | 3.8950% | 3,585 |
| Noninterest income to average assets | 0.1516% | 7,333 |
| Noninterest expense to average assets | 3.0638% | 3,845 |
| Loan and lease loss provision to assets | 0.8232% | 1,803 |
| Net operating income to assets | -0.0631% | 6,459 |
| Return on assets (ROA) | -0.0631% | 6,309 |
| Pretax return on assets | -0.1061% | 6,276 |
| Return on Equity (ROE) | -0.6132% | 6,309 |
| Retained earnings to average equity (ytd only) | -1.8774% | 5,836 |
| Net charge-offs to loans | 0.0879% | 5,486 |
| Credit loss provision to net charge-offs | 1,063.0252% | 418 |
| Earnings coverage of net charge-offs (x) | 9.2605% | 2,721 |
| Efficiency ratio | 81.0327% | 2,442 |
| Assets per employee ($millions) | 5.4594% | 1,489 |
| Cash dividends to net income (ytd only)* | -206.1856% | 8,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 1,654 |
| Loan loss allowance to noncurrent loans | 102.0760% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.2069% | 2,213 |
| Noncurrent loans to loans | 1.7553% | 3,130 |
| Net loans and leases to total assets | 90.2187% | 184 |
| Net loans and leases to deposits | 112.3817% | 686 |
| Net loans and leases to core deposits | 139.9310% | 1,274 |
| Total domestic deposits to total assets | 80.2788% | 4,918 |
| Equity capital to assets | 10.1742% | 3,837 |
| Core capital (leverage) ratio | 10.2271% | 3,239 |
| Tier 1 risk-based capital ratio | 9.6571% | 7,136 |
| Total risk-based capital ratio | 10.9110% | 7,025 |
| Memoranda: | ||
| Average total assets | $153,663,000 | 3,829 |
| Average earning assets | $143,184,000 | 3,781 |
| Average equity | $15,819,800 | 3,972 |
| Average total loans | $135,338,400 | 3,172 |