Home > Security Bank Waconia > Performance and Condition Ratios
Security Bank Waconia, 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 | 3.5885% | 5,204 |
| Cost of funding earning assets | 0.4507% | 3,424 |
| Net interest margin | 3.1378% | 5,125 |
| Noninterest income to average assets | 0.2853% | 5,086 |
| Noninterest expense to average assets | 1.8191% | 6,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4379% | 921 |
| Return on assets (ROA) | 1.4379% | 955 |
| Pretax return on assets | 1.4379% | 1,612 |
| Return on Equity (ROE) | 13.8313% | 974 |
| Retained earnings to average equity (ytd only) | 13.8313% | 408 |
| Net charge-offs to loans | -0.0596% | 5,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8514% | 5,851 |
| Assets per employee ($millions) | 5.3830% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 827 |
| Loan loss allowance to noncurrent loans | 1,052.9661% | 493 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 2,545 |
| Noncurrent loans to loans | 0.2356% | 5,394 |
| Net loans and leases to total assets | 56.6997% | 4,049 |
| Net loans and leases to deposits | 63.6464% | 4,360 |
| Net loans and leases to core deposits | 65.3818% | 4,561 |
| Total domestic deposits to total assets | 89.0854% | 1,602 |
| Equity capital to assets | 10.8293% | 2,904 |
| Core capital (leverage) ratio | 10.9927% | 2,399 |
| Tier 1 risk-based capital ratio | 15.7920% | 3,273 |
| Total risk-based capital ratio | 17.0519% | 3,230 |
| Memoranda: | ||
| Average total assets | $175,251,000 | 3,330 |
| Average earning assets | $165,975,500 | 3,268 |
| Average equity | $18,219,500 | 3,398 |
| Average total loans | $100,595,000 | 3,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 5,318 |
| Cost of funding earning assets | 0.5369% | 3,224 |
| Net interest margin | 3.0987% | 5,320 |
| Noninterest income to average assets | 0.4916% | 3,809 |
| Noninterest expense to average assets | 2.0756% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3435% | 1,147 |
| Return on assets (ROA) | 1.3452% | 1,179 |
| Pretax return on assets | 1.3457% | 1,983 |
| Return on Equity (ROE) | 13.5504% | 1,050 |
| Retained earnings to average equity (ytd only) | 5.0990% | 2,524 |
| Net charge-offs to loans | 0.0081% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 300.3750% | 150 |
| Efficiency ratio | 60.6968% | 5,389 |
| Assets per employee ($millions) | 5.5702% | 1,591 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4446% | 884 |
| Loan loss allowance to noncurrent loans | 1,335.1351% | 411 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 2,739 |
| Noncurrent loans to loans | 0.1831% | 5,653 |
| Net loans and leases to total assets | 55.2980% | 4,418 |
| Net loans and leases to deposits | 61.4626% | 4,780 |
| Net loans and leases to core deposits | 63.0643% | 4,966 |
| Total domestic deposits to total assets | 89.9701% | 1,094 |
| Equity capital to assets | 9.9777% | 3,802 |
| Core capital (leverage) ratio | 10.3530% | 3,084 |
| Tier 1 risk-based capital ratio | 14.8661% | 3,743 |
| Total risk-based capital ratio | 16.1250% | 3,686 |
| Memoranda: | ||
| Average total assets | $178,790,400 | 3,283 |
| Average earning assets | $168,939,400 | 3,231 |
| Average equity | $17,748,600 | 3,460 |
| Average total loans | $98,924,800 | 3,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 5,328 |
| Cost of funding earning assets | 0.5529% | 3,234 |
| Net interest margin | 3.0880% | 5,349 |
| Noninterest income to average assets | 0.5246% | 3,636 |
| Noninterest expense to average assets | 1.9322% | 6,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5090% | 880 |
| Return on assets (ROA) | 1.5090% | 926 |
| Pretax return on assets | 1.5097% | 1,577 |
| Return on Equity (ROE) | 15.2199% | 767 |
| Retained earnings to average equity (ytd only) | 3.9459% | 3,881 |
| Net charge-offs to loans | 0.0027% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,011.7116% | 45 |
| Efficiency ratio | 56.1377% | 5,885 |
| Assets per employee ($millions) | 5.3989% | 1,732 |
| Cash dividends to net income (ytd only)* | 74.0741% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 1,053 |
| Loan loss allowance to noncurrent loans | 92.3192% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.8434% | 1,309 |
| Noncurrent loans to loans | 2.5953% | 1,640 |
| Net loans and leases to total assets | 56.6138% | 4,229 |
| Net loans and leases to deposits | 62.7346% | 4,660 |
| Net loans and leases to core deposits | 64.1943% | 4,882 |
| Total domestic deposits to total assets | 90.2433% | 869 |
| Equity capital to assets | 9.5973% | 4,424 |
| Core capital (leverage) ratio | 10.1690% | 3,446 |
| Tier 1 risk-based capital ratio | 14.2745% | 4,232 |
| Total risk-based capital ratio | 15.5335% | 4,171 |
| Memoranda: | ||
| Average total assets | $178,926,250 | 3,311 |
| Average earning assets | $169,035,250 | 3,257 |
| Average equity | $17,739,500 | 3,496 |
| Average total loans | $98,396,750 | 3,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,403 |
| Cost of funding earning assets | 0.5678% | 3,238 |
| Net interest margin | 3.0425% | 5,455 |
| Noninterest income to average assets | 0.4733% | 4,006 |
| Noninterest expense to average assets | 1.8841% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4600% | 963 |
| Return on assets (ROA) | 1.4600% | 1,041 |
| Pretax return on assets | 1.4600% | 1,744 |
| Return on Equity (ROE) | 14.5714% | 893 |
| Retained earnings to average equity (ytd only) | -2.1389% | 6,209 |
| Net charge-offs to loans | -0.0289% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3418% | 5,924 |
| Assets per employee ($millions) | 5.5220% | 1,565 |
| Cash dividends to net income (ytd only)* | 114.6789% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 999 |
| Loan loss allowance to noncurrent loans | 97.5342% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 2.7104% | 1,541 |
| Noncurrent loans to loans | 2.5482% | 1,810 |
| Net loans and leases to total assets | 53.6562% | 4,639 |
| Net loans and leases to deposits | 59.3741% | 5,033 |
| Net loans and leases to core deposits | 60.1306% | 5,254 |
| Total domestic deposits to total assets | 90.3697% | 823 |
| Equity capital to assets | 9.4991% | 4,579 |
| Core capital (leverage) ratio | 9.7064% | 3,927 |
| Tier 1 risk-based capital ratio | 13.8464% | 4,530 |
| Total risk-based capital ratio | 15.1052% | 4,494 |
| Memoranda: | ||
| Average total assets | $179,180,000 | 3,322 |
| Average earning assets | $169,069,670 | 3,268 |
| Average equity | $17,953,000 | 3,491 |
| Average total loans | $96,748,330 | 3,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 5,372 |
| Cost of funding earning assets | 0.5905% | 3,198 |
| Net interest margin | 3.0362% | 5,471 |
| Noninterest income to average assets | 0.4683% | 4,000 |
| Noninterest expense to average assets | 1.9431% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3847% | 1,060 |
| Return on assets (ROA) | 1.3847% | 1,145 |
| Pretax return on assets | 1.3847% | 1,909 |
| Return on Equity (ROE) | 13.4614% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.4614% | 501 |
| Net charge-offs to loans | -0.0590% | 6,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3897% | 5,800 |
| Assets per employee ($millions) | 5.5387% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5812% | 1,030 |
| Loan loss allowance to noncurrent loans | 484.8249% | 881 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 2,565 |
| Noncurrent loans to loans | 0.5324% | 5,110 |
| Net loans and leases to total assets | 53.0645% | 4,548 |
| Net loans and leases to deposits | 59.2963% | 4,877 |
| Net loans and leases to core deposits | 60.1772% | 5,133 |
| Total domestic deposits to total assets | 89.4905% | 1,359 |
| Equity capital to assets | 10.4232% | 3,643 |
| Core capital (leverage) ratio | 10.2991% | 3,016 |
| Tier 1 risk-based capital ratio | 14.9369% | 3,885 |
| Total risk-based capital ratio | 16.1966% | 3,842 |
| Memoranda: | ||
| Average total assets | $177,656,500 | 3,377 |
| Average earning assets | $167,315,500 | 3,318 |
| Average equity | $18,274,500 | 3,485 |
| Average total loans | $94,988,500 | 3,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 5,257 |
| Cost of funding earning assets | 0.7380% | 3,180 |
| Net interest margin | 3.2768% | 5,331 |
| Noninterest income to average assets | 0.5367% | 3,670 |
| Noninterest expense to average assets | 2.3425% | 5,585 |
| Loan and lease loss provision to assets | 0.1132% | 4,224 |
| Net operating income to assets | 1.1251% | 1,857 |
| Return on assets (ROA) | 1.1327% | 2,000 |
| Pretax return on assets | 1.1338% | 3,039 |
| Return on Equity (ROE) | 11.4886% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.4886% | 378 |
| Net charge-offs to loans | 0.1545% | 4,155 |
| Credit loss provision to net charge-offs | 131.7568% | 2,123 |
| Earnings coverage of net charge-offs (x) | 14.4324% | 1,735 |
| Efficiency ratio | 65.3977% | 4,629 |
| Assets per employee ($millions) | 5.5648% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 970 |
| Loan loss allowance to noncurrent loans | 637.0180% | 661 |
| Noncurrent assets plus other real estate owned to assets | 1.8110% | 2,700 |
| Noncurrent loans to loans | 0.4163% | 5,446 |
| Net loans and leases to total assets | 51.0776% | 5,026 |
| Net loans and leases to deposits | 56.8891% | 5,349 |
| Net loans and leases to core deposits | 57.7810% | 5,569 |
| Total domestic deposits to total assets | 89.7846% | 1,078 |
| Equity capital to assets | 10.1503% | 3,966 |
| Core capital (leverage) ratio | 9.9046% | 3,538 |
| Tier 1 risk-based capital ratio | 14.7407% | 3,871 |
| Total risk-based capital ratio | 16.0014% | 3,817 |
| Memoranda: | ||
| Average total assets | $172,335,200 | 3,413 |
| Average earning assets | $160,155,200 | 3,375 |
| Average equity | $16,990,800 | 3,634 |
| Average total loans | $95,805,800 | 3,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 5,181 |
| Cost of funding earning assets | 0.7708% | 3,176 |
| Net interest margin | 3.3308% | 5,277 |
| Noninterest income to average assets | 0.5383% | 3,679 |
| Noninterest expense to average assets | 2.3101% | 5,661 |
| Loan and lease loss provision to assets | 0.1521% | 3,634 |
| Net operating income to assets | 1.1624% | 1,860 |
| Return on assets (ROA) | 1.1718% | 2,017 |
| Pretax return on assets | 1.1734% | 3,088 |
| Return on Equity (ROE) | 11.9776% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.9776% | 535 |
| Net charge-offs to loans | 0.1217% | 4,158 |
| Credit loss provision to net charge-offs | 221.5909% | 1,253 |
| Earnings coverage of net charge-offs (x) | 19.1705% | 1,511 |
| Efficiency ratio | 63.7048% | 4,851 |
| Assets per employee ($millions) | 5.4343% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6771% | 1,004 |
| Loan loss allowance to noncurrent loans | 1,057.5000% | 415 |
| Noncurrent assets plus other real estate owned to assets | 2.1358% | 2,511 |
| Noncurrent loans to loans | 0.2532% | 5,981 |
| Net loans and leases to total assets | 53.0587% | 4,905 |
| Net loans and leases to deposits | 59.1626% | 5,298 |
| Net loans and leases to core deposits | 60.1115% | 5,545 |
| Total domestic deposits to total assets | 89.6829% | 1,026 |
| Equity capital to assets | 10.0744% | 4,390 |
| Core capital (leverage) ratio | 9.8826% | 3,708 |
| Tier 1 risk-based capital ratio | 14.5491% | 4,151 |
| Total risk-based capital ratio | 15.8108% | 4,112 |
| Memoranda: | ||
| Average total assets | $170,900,500 | 3,470 |
| Average earning assets | $158,438,000 | 3,441 |
| Average equity | $16,719,750 | 3,703 |
| Average total loans | $96,398,750 | 3,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 4,900 |
| Cost of funding earning assets | 0.8135% | 3,089 |
| Net interest margin | 3.4008% | 5,088 |
| Noninterest income to average assets | 0.5391% | 3,657 |
| Noninterest expense to average assets | 2.4520% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2207% | 1,641 |
| Return on assets (ROA) | 1.2289% | 1,805 |
| Pretax return on assets | 1.2301% | 2,803 |
| Return on Equity (ROE) | 12.6904% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.6904% | 479 |
| Net charge-offs to loans | 0.1836% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.6629% | 1,943 |
| Efficiency ratio | 66.7414% | 4,374 |
| Assets per employee ($millions) | 5.3544% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4486% | 1,352 |
| Loan loss allowance to noncurrent loans | 1,722.7941% | 273 |
| Noncurrent assets plus other real estate owned to assets | 2.2628% | 2,473 |
| Noncurrent loans to loans | 0.1421% | 6,303 |
| Net loans and leases to total assets | 54.4788% | 4,712 |
| Net loans and leases to deposits | 60.6220% | 5,185 |
| Net loans and leases to core deposits | 61.4510% | 5,439 |
| Total domestic deposits to total assets | 89.8663% | 1,005 |
| Equity capital to assets | 9.9095% | 4,470 |
| Core capital (leverage) ratio | 9.8357% | 3,671 |
| Tier 1 risk-based capital ratio | 14.2449% | 4,270 |
| Total risk-based capital ratio | 15.5040% | 4,230 |
| Memoranda: | ||
| Average total assets | $169,902,000 | 3,499 |
| Average earning assets | $156,612,330 | 3,488 |
| Average equity | $16,453,330 | 3,737 |
| Average total loans | $96,930,000 | 3,647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 5,193 |
| Cost of funding earning assets | 0.8482% | 3,080 |
| Net interest margin | 3.3285% | 5,373 |
| Noninterest income to average assets | 0.4587% | 4,233 |
| Noninterest expense to average assets | 2.2461% | 5,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2625% | 1,562 |
| Return on assets (ROA) | 1.2625% | 1,735 |
| Pretax return on assets | 1.2649% | 2,671 |
| Return on Equity (ROE) | 13.1929% | 1,355 |
| Retained earnings to average equity (ytd only) | 13.1929% | 658 |
| Net charge-offs to loans | 0.0902% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.3182% | 1,060 |
| Efficiency ratio | 63.9731% | 4,927 |
| Assets per employee ($millions) | 5.0770% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5364% | 1,303 |
| Loan loss allowance to noncurrent loans | 1,075.4464% | 369 |
| Noncurrent assets plus other real estate owned to assets | 3.4111% | 1,686 |
| Noncurrent loans to loans | 0.2358% | 6,220 |
| Net loans and leases to total assets | 55.2504% | 4,518 |
| Net loans and leases to deposits | 61.3746% | 5,001 |
| Net loans and leases to core deposits | 62.8442% | 5,239 |
| Total domestic deposits to total assets | 90.0215% | 1,072 |
| Equity capital to assets | 9.8209% | 4,345 |
| Core capital (leverage) ratio | 9.6973% | 3,777 |
| Tier 1 risk-based capital ratio | 13.9133% | 4,521 |
| Total risk-based capital ratio | 15.1736% | 4,494 |
| Memoranda: | ||
| Average total assets | $169,183,000 | 3,528 |
| Average earning assets | $155,146,500 | 3,526 |
| Average equity | $16,190,500 | 3,783 |
| Average total loans | $97,551,500 | 3,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 2,675 |
| Cost of funding earning assets | 1.0045% | 3,345 |
| Net interest margin | 4.0421% | 2,671 |
| Noninterest income to average assets | 0.4194% | 4,455 |
| Noninterest expense to average assets | 2.5529% | 5,276 |
| Loan and lease loss provision to assets | 0.8980% | 1,071 |
| Net operating income to assets | 0.7008% | 3,486 |
| Return on assets (ROA) | 0.7201% | 3,558 |
| Pretax return on assets | 0.7213% | 4,249 |
| Return on Equity (ROE) | 7.9766% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.9766% | 1,091 |
| Net charge-offs to loans | 2.4001% | 501 |
| Credit loss provision to net charge-offs | 57.1269% | 5,241 |
| Earnings coverage of net charge-offs (x) | 1.0179% | 5,026 |
| Efficiency ratio | 61.0649% | 5,593 |
| Assets per employee ($millions) | 5.3383% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4279% | 1,413 |
| Loan loss allowance to noncurrent loans | 410.6419% | 819 |
| Noncurrent assets plus other real estate owned to assets | 3.3514% | 1,769 |
| Noncurrent loans to loans | 0.5912% | 5,531 |
| Net loans and leases to total assets | 57.1907% | 4,515 |
| Net loans and leases to deposits | 63.1299% | 5,107 |
| Net loans and leases to core deposits | 64.2754% | 5,437 |
| Total domestic deposits to total assets | 90.5921% | 669 |
| Equity capital to assets | 9.3236% | 5,118 |
| Core capital (leverage) ratio | 8.9472% | 4,868 |
| Tier 1 risk-based capital ratio | 12.8734% | 5,177 |
| Total risk-based capital ratio | 14.1325% | 5,143 |
| Memoranda: | ||
| Average total assets | $170,941,800 | 3,472 |
| Average earning assets | $157,889,600 | 3,442 |
| Average equity | $15,432,600 | 3,832 |
| Average total loans | $111,952,400 | 3,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 2,801 |
| Cost of funding earning assets | 1.0350% | 3,427 |
| Net interest margin | 4.0255% | 2,803 |
| Noninterest income to average assets | 0.3579% | 5,003 |
| Noninterest expense to average assets | 2.1157% | 6,477 |
| Loan and lease loss provision to assets | 1.1698% | 681 |
| Net operating income to assets | 0.8017% | 3,154 |
| Return on assets (ROA) | 0.8258% | 3,203 |
| Pretax return on assets | 0.8274% | 4,030 |
| Return on Equity (ROE) | 9.2231% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.2231% | 1,066 |
| Net charge-offs to loans | 2.4285% | 457 |
| Credit loss provision to net charge-offs | 71.6675% | 4,426 |
| Earnings coverage of net charge-offs (x) | 1.2088% | 4,718 |
| Efficiency ratio | 51.1921% | 6,754 |
| Assets per employee ($millions) | 5.3952% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6894% | 1,140 |
| Loan loss allowance to noncurrent loans | 115.1328% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 4.7878% | 1,222 |
| Noncurrent loans to loans | 2.3359% | 2,963 |
| Net loans and leases to total assets | 62.6637% | 3,577 |
| Net loans and leases to deposits | 69.1507% | 4,432 |
| Net loans and leases to core deposits | 71.1317% | 4,825 |
| Total domestic deposits to total assets | 90.6190% | 581 |
| Equity capital to assets | 9.1707% | 5,554 |
| Core capital (leverage) ratio | 8.9350% | 5,039 |
| Tier 1 risk-based capital ratio | 11.8989% | 5,962 |
| Total risk-based capital ratio | 13.1623% | 5,937 |
| Memoranda: | ||
| Average total assets | $170,971,000 | 3,500 |
| Average earning assets | $158,452,750 | 3,459 |
| Average equity | $15,309,000 | 3,859 |
| Average total loans | $114,908,750 | 3,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 2,186 |
| Cost of funding earning assets | 1.0738% | 3,438 |
| Net interest margin | 4.1458% | 2,243 |
| Noninterest income to average assets | 0.3404% | 5,158 |
| Noninterest expense to average assets | 2.2005% | 6,384 |
| Loan and lease loss provision to assets | 0.9976% | 875 |
| Net operating income to assets | 0.9882% | 2,273 |
| Return on assets (ROA) | 0.9882% | 2,374 |
| Pretax return on assets | 0.9894% | 3,278 |
| Return on Equity (ROE) | 11.1270% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.1270% | 645 |
| Net charge-offs to loans | -0.0482% | 7,023 |
| Credit loss provision to net charge-offs | -3,035.7143% | 6,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7377% | 6,808 |
| Assets per employee ($millions) | 5.3667% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9128% | 442 |
| Loan loss allowance to noncurrent loans | 96.9572% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 5.7950% | 987 |
| Noncurrent loans to loans | 4.0356% | 1,717 |
| Net loans and leases to total assets | 63.7897% | 3,510 |
| Net loans and leases to deposits | 70.2650% | 4,406 |
| Net loans and leases to core deposits | 72.2784% | 4,782 |
| Total domestic deposits to total assets | 90.7845% | 598 |
| Equity capital to assets | 9.0530% | 5,503 |
| Core capital (leverage) ratio | 9.1699% | 4,457 |
| Tier 1 risk-based capital ratio | 11.6470% | 6,060 |
| Total risk-based capital ratio | 12.9235% | 6,029 |
| Memoranda: | ||
| Average total assets | $170,412,330 | 3,528 |
| Average earning assets | $158,134,330 | 3,475 |
| Average equity | $15,134,330 | 3,886 |
| Average total loans | $116,152,670 | 3,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 2,927 |
| Cost of funding earning assets | 1.1108% | 3,448 |
| Net interest margin | 3.9246% | 3,026 |
| Noninterest income to average assets | 0.2568% | 5,839 |
| Noninterest expense to average assets | 1.9864% | 6,846 |
| Loan and lease loss provision to assets | 0.7069% | 1,200 |
| Net operating income to assets | 1.2159% | 1,486 |
| Return on assets (ROA) | 1.2159% | 1,538 |
| Pretax return on assets | 1.2182% | 2,313 |
| Return on Equity (ROE) | 13.8264% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.8264% | 490 |
| Net charge-offs to loans | -0.2525% | 7,306 |
| Credit loss provision to net charge-offs | -405.4054% | 5,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0361% | 7,060 |
| Assets per employee ($millions) | 5.2128% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4282% | 648 |
| Loan loss allowance to noncurrent loans | 73.1018% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 6.5447% | 847 |
| Noncurrent loans to loans | 4.6896% | 1,482 |
| Net loans and leases to total assets | 66.8241% | 2,805 |
| Net loans and leases to deposits | 73.5384% | 3,838 |
| Net loans and leases to core deposits | 76.3668% | 4,257 |
| Total domestic deposits to total assets | 90.8697% | 690 |
| Equity capital to assets | 8.9924% | 5,210 |
| Core capital (leverage) ratio | 8.9521% | 4,688 |
| Tier 1 risk-based capital ratio | 11.3393% | 6,219 |
| Total risk-based capital ratio | 12.6110% | 6,191 |
| Memoranda: | ||
| Average total assets | $169,752,000 | 3,562 |
| Average earning assets | $158,079,500 | 3,500 |
| Average equity | $14,928,000 | 3,915 |
| Average total loans | $117,224,500 | 3,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 2,442 |
| Cost of funding earning assets | 1.3982% | 3,280 |
| Net interest margin | 4.0603% | 2,749 |
| Noninterest income to average assets | 0.3983% | 4,919 |
| Noninterest expense to average assets | 1.9864% | 7,046 |
| Loan and lease loss provision to assets | 1.0585% | 1,521 |
| Net operating income to assets | 1.1291% | 1,612 |
| Return on assets (ROA) | 1.1308% | 1,686 |
| Pretax return on assets | 1.1320% | 2,456 |
| Return on Equity (ROE) | 12.9895% | 1,087 |
| Retained earnings to average equity (ytd only) | -0.4086% | 5,691 |
| Net charge-offs to loans | 0.2525% | 4,775 |
| Credit loss provision to net charge-offs | 591.2052% | 368 |
| Earnings coverage of net charge-offs (x) | 12.2248% | 1,528 |
| Efficiency ratio | 46.6127% | 7,332 |
| Assets per employee ($millions) | 5.5708% | 1,519 |
| Cash dividends to net income (ytd only)* | 103.1460% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0103% | 864 |
| Loan loss allowance to noncurrent loans | 62.8707% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.7946% | 1,359 |
| Noncurrent loans to loans | 4.7881% | 1,440 |
| Net loans and leases to total assets | 66.8464% | 3,260 |
| Net loans and leases to deposits | 73.2331% | 4,323 |
| Net loans and leases to core deposits | 76.6602% | 4,623 |
| Total domestic deposits to total assets | 91.2789% | 473 |
| Equity capital to assets | 8.6024% | 5,717 |
| Core capital (leverage) ratio | 8.3413% | 5,623 |
| Tier 1 risk-based capital ratio | 10.6618% | 6,597 |
| Total risk-based capital ratio | 11.9292% | 6,556 |
| Memoranda: | ||
| Average total assets | $171,466,400 | 3,507 |
| Average earning assets | $159,495,200 | 3,463 |
| Average equity | $14,927,400 | 3,951 |
| Average total loans | $121,572,000 | 3,287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 2,345 |
| Cost of funding earning assets | 1.4623% | 3,207 |
| Net interest margin | 4.0609% | 2,806 |
| Noninterest income to average assets | 0.3794% | 5,117 |
| Noninterest expense to average assets | 1.9942% | 7,057 |
| Loan and lease loss provision to assets | 0.8179% | 1,849 |
| Net operating income to assets | 1.3321% | 1,277 |
| Return on assets (ROA) | 1.3344% | 1,345 |
| Pretax return on assets | 1.3360% | 2,077 |
| Return on Equity (ROE) | 15.2820% | 818 |
| Retained earnings to average equity (ytd only) | -2.5604% | 6,294 |
| Net charge-offs to loans | -0.0164% | 7,329 |
| Credit loss provision to net charge-offs | -7,000.0000% | 7,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1251% | 7,323 |
| Assets per employee ($millions) | 5.5248% | 1,604 |
| Cash dividends to net income (ytd only)* | 116.7544% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6152% | 1,184 |
| Loan loss allowance to noncurrent loans | 73.2960% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 4.0153% | 1,739 |
| Noncurrent loans to loans | 3.5680% | 2,197 |
| Net loans and leases to total assets | 68.2708% | 3,145 |
| Net loans and leases to deposits | 75.0628% | 4,337 |
| Net loans and leases to core deposits | 78.5123% | 4,738 |
| Total domestic deposits to total assets | 90.9516% | 469 |
| Equity capital to assets | 8.7967% | 5,862 |
| Core capital (leverage) ratio | 8.2731% | 5,920 |
| Tier 1 risk-based capital ratio | 10.4260% | 6,816 |
| Total risk-based capital ratio | 11.6905% | 6,809 |
| Memoranda: | ||
| Average total assets | $171,159,000 | 3,555 |
| Average earning assets | $158,745,250 | 3,520 |
| Average equity | $14,945,250 | 3,999 |
| Average total loans | $122,209,000 | 3,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 2,237 |
| Cost of funding earning assets | 1.5224% | 3,117 |
| Net interest margin | 4.0509% | 2,781 |
| Noninterest income to average assets | 0.3915% | 4,979 |
| Noninterest expense to average assets | 2.0383% | 7,033 |
| Loan and lease loss provision to assets | 0.4091% | 3,273 |
| Net operating income to assets | 1.6935% | 596 |
| Return on assets (ROA) | 1.6959% | 642 |
| Pretax return on assets | 1.6970% | 1,064 |
| Return on Equity (ROE) | 19.4700% | 359 |
| Retained earnings to average equity (ytd only) | -7.3667% | 6,769 |
| Net charge-offs to loans | -0.0244% | 7,314 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2506% | 7,332 |
| Assets per employee ($millions) | 5.3013% | 1,808 |
| Cash dividends to net income (ytd only)* | 137.8360% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,191 |
| Loan loss allowance to noncurrent loans | 107.2999% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.8614% | 2,522 |
| Noncurrent loans to loans | 1.8612% | 3,917 |
| Net loans and leases to total assets | 70.5836% | 2,775 |
| Net loans and leases to deposits | 77.5119% | 4,078 |
| Net loans and leases to core deposits | 81.1167% | 4,539 |
| Total domestic deposits to total assets | 91.0617% | 461 |
| Equity capital to assets | 8.7132% | 5,868 |
| Core capital (leverage) ratio | 8.2185% | 5,911 |
| Tier 1 risk-based capital ratio | 10.0831% | 6,983 |
| Total risk-based capital ratio | 11.3397% | 6,953 |
| Memoranda: | ||
| Average total assets | $171,122,670 | 3,586 |
| Average earning assets | $158,432,670 | 3,542 |
| Average equity | $14,905,000 | 4,009 |
| Average total loans | $122,923,330 | 3,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5967% | 2,166 |
| Cost of funding earning assets | 1.5710% | 3,135 |
| Net interest margin | 4.0257% | 2,764 |
| Noninterest income to average assets | 0.3491% | 5,347 |
| Noninterest expense to average assets | 1.7921% | 7,473 |
| Loan and lease loss provision to assets | 0.1164% | 5,442 |
| Net operating income to assets | 2.1598% | 266 |
| Return on assets (ROA) | 2.1598% | 292 |
| Pretax return on assets | 2.1622% | 450 |
| Return on Equity (ROE) | 24.8012% | 169 |
| Retained earnings to average equity (ytd only) | -28.6497% | 7,521 |
| Net charge-offs to loans | -0.0649% | 7,424 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0532% | 7,647 |
| Assets per employee ($millions) | 5.3410% | 1,828 |
| Cash dividends to net income (ytd only)* | 215.5172% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 2,848 |
| Loan loss allowance to noncurrent loans | 120.9132% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 2.7061% | 2,689 |
| Noncurrent loans to loans | 1.4588% | 4,556 |
| Net loans and leases to total assets | 69.8984% | 2,966 |
| Net loans and leases to deposits | 76.4667% | 4,328 |
| Net loans and leases to core deposits | 87.4278% | 3,690 |
| Total domestic deposits to total assets | 91.4101% | 400 |
| Equity capital to assets | 8.4085% | 6,154 |
| Core capital (leverage) ratio | 7.7755% | 6,533 |
| Tier 1 risk-based capital ratio | 9.6430% | 7,231 |
| Total risk-based capital ratio | 10.8967% | 7,224 |
| Memoranda: | ||
| Average total assets | $171,864,000 | 3,630 |
| Average earning assets | $158,880,500 | 3,590 |
| Average equity | $14,967,000 | 4,023 |
| Average total loans | $123,296,000 | 3,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 4,304 |
| Cost of funding earning assets | 2.0041% | 2,943 |
| Net interest margin | 3.4691% | 5,086 |
| Noninterest income to average assets | 0.5232% | 4,232 |
| Noninterest expense to average assets | 2.0283% | 7,322 |
| Loan and lease loss provision to assets | 0.8942% | 2,513 |
| Net operating income to assets | 0.8707% | 2,277 |
| Return on assets (ROA) | 0.9297% | 2,138 |
| Pretax return on assets | 0.9308% | 2,824 |
| Return on Equity (ROE) | 10.4554% | 1,564 |
| Retained earnings to average equity (ytd only) | -7.2493% | 6,265 |
| Net charge-offs to loans | 0.9850% | 2,440 |
| Credit loss provision to net charge-offs | 132.3729% | 3,788 |
| Earnings coverage of net charge-offs (x) | 2.6144% | 3,810 |
| Efficiency ratio | 52.4140% | 7,356 |
| Assets per employee ($millions) | 5.4005% | 1,737 |
| Cash dividends to net income (ytd only)* | 169.3350% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,044 |
| Loan loss allowance to noncurrent loans | 150.7994% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 3,777 |
| Noncurrent loans to loans | 1.1009% | 5,120 |
| Net loans and leases to total assets | 71.1203% | 2,965 |
| Net loans and leases to deposits | 78.3148% | 4,313 |
| Net loans and leases to core deposits | 94.0426% | 4,669 |
| Total domestic deposits to total assets | 90.8134% | 610 |
| Equity capital to assets | 9.0055% | 5,140 |
| Core capital (leverage) ratio | 8.1913% | 5,825 |
| Tier 1 risk-based capital ratio | 10.2689% | 6,618 |
| Total risk-based capital ratio | 11.5219% | 6,589 |
| Memoranda: | ||
| Average total assets | $174,681,800 | 3,522 |
| Average earning assets | $164,712,800 | 3,431 |
| Average equity | $15,532,600 | 3,963 |
| Average total loans | $119,798,400 | 3,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 4,629 |
| Cost of funding earning assets | 2.0816% | 2,975 |
| Net interest margin | 3.3787% | 5,356 |
| Noninterest income to average assets | 0.3966% | 5,316 |
| Noninterest expense to average assets | 2.0584% | 7,272 |
| Loan and lease loss provision to assets | 0.4567% | 3,624 |
| Net operating income to assets | 1.0802% | 1,796 |
| Return on assets (ROA) | 1.0977% | 1,796 |
| Pretax return on assets | 1.0992% | 2,576 |
| Return on Equity (ROE) | 12.3840% | 1,269 |
| Retained earnings to average equity (ytd only) | -11.2332% | 6,899 |
| Net charge-offs to loans | 0.0394% | 6,356 |
| Credit loss provision to net charge-offs | 1,714.2857% | 227 |
| Earnings coverage of net charge-offs (x) | 57.7373% | 568 |
| Efficiency ratio | 56.1270% | 6,982 |
| Assets per employee ($millions) | 5.5310% | 1,588 |
| Cash dividends to net income (ytd only)* | 190.7075% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,248 |
| Loan loss allowance to noncurrent loans | 104.3920% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.1408% | 3,172 |
| Noncurrent loans to loans | 1.7335% | 4,036 |
| Net loans and leases to total assets | 69.2242% | 3,666 |
| Net loans and leases to deposits | 76.0529% | 5,034 |
| Net loans and leases to core deposits | 92.4645% | 5,185 |
| Total domestic deposits to total assets | 91.0211% | 413 |
| Equity capital to assets | 8.6670% | 6,010 |
| Core capital (leverage) ratio | 7.9171% | 6,477 |
| Tier 1 risk-based capital ratio | 10.0458% | 6,934 |
| Total risk-based capital ratio | 11.3004% | 6,878 |
| Memoranda: | ||
| Average total assets | $175,148,000 | 3,528 |
| Average earning assets | $165,896,250 | 3,448 |
| Average equity | $15,525,000 | 3,998 |
| Average total loans | $118,502,250 | 3,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 5,190 |
| Cost of funding earning assets | 2.1785% | 2,895 |
| Net interest margin | 3.2140% | 5,864 |
| Noninterest income to average assets | 0.4034% | 5,255 |
| Noninterest expense to average assets | 2.0626% | 7,351 |
| Loan and lease loss provision to assets | 0.0344% | 6,899 |
| Net operating income to assets | 1.3568% | 1,109 |
| Return on assets (ROA) | 1.3831% | 1,131 |
| Pretax return on assets | 1.3843% | 1,772 |
| Return on Equity (ROE) | 15.4876% | 758 |
| Retained earnings to average equity (ytd only) | -19.7990% | 7,447 |
| Net charge-offs to loans | 0.0584% | 5,678 |
| Credit loss provision to net charge-offs | 88.2353% | 4,974 |
| Earnings coverage of net charge-offs (x) | 35.7353% | 889 |
| Efficiency ratio | 58.5738% | 6,752 |
| Assets per employee ($millions) | 5.2383% | 1,828 |
| Cash dividends to net income (ytd only)* | 227.8376% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,074 |
| Loan loss allowance to noncurrent loans | 100.3565% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 4,104 |
| Noncurrent loans to loans | 1.3299% | 4,554 |
| Net loans and leases to total assets | 72.2312% | 3,154 |
| Net loans and leases to deposits | 79.7375% | 4,582 |
| Net loans and leases to core deposits | 95.6547% | 4,940 |
| Total domestic deposits to total assets | 90.5862% | 599 |
| Equity capital to assets | 8.6606% | 5,804 |
| Core capital (leverage) ratio | 7.8893% | 6,508 |
| Tier 1 risk-based capital ratio | 9.9228% | 7,018 |
| Total risk-based capital ratio | 11.1341% | 6,985 |
| Memoranda: | ||
| Average total assets | $174,533,000 | 3,564 |
| Average earning assets | $165,712,670 | 3,465 |
| Average equity | $15,586,670 | 4,000 |
| Average total loans | $116,409,670 | 3,616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 5,281 |
| Cost of funding earning assets | 2.3035% | 2,685 |
| Net interest margin | 3.1242% | 6,127 |
| Noninterest income to average assets | 0.3330% | 5,784 |
| Noninterest expense to average assets | 1.9137% | 7,520 |
| Loan and lease loss provision to assets | 0.0684% | 6,094 |
| Net operating income to assets | 1.3092% | 1,355 |
| Return on assets (ROA) | 1.3617% | 1,316 |
| Pretax return on assets | 1.3640% | 2,070 |
| Return on Equity (ROE) | 15.0241% | 972 |
| Retained earnings to average equity (ytd only) | -35.3078% | 7,916 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9252% | 6,845 |
| Assets per employee ($millions) | 5.2568% | 1,790 |
| Cash dividends to net income (ytd only)* | 335.0084% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,749 |
| Loan loss allowance to noncurrent loans | 60.6263% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9184% | 3,031 |
| Noncurrent loans to loans | 2.5440% | 2,589 |
| Net loans and leases to total assets | 63.4030% | 5,091 |
| Net loans and leases to deposits | 69.6490% | 6,013 |
| Net loans and leases to core deposits | 84.2802% | 6,045 |
| Total domestic deposits to total assets | 91.0322% | 405 |
| Equity capital to assets | 8.7234% | 5,732 |
| Core capital (leverage) ratio | 7.9693% | 6,513 |
| Tier 1 risk-based capital ratio | 10.8650% | 6,025 |
| Total risk-based capital ratio | 12.1162% | 5,934 |
| Memoranda: | ||
| Average total assets | $175,368,000 | 3,574 |
| Average earning assets | $166,184,500 | 3,473 |
| Average equity | $15,894,500 | 3,964 |
| Average total loans | $111,339,500 | 3,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8470% | 6,271 |
| Cost of funding earning assets | 2.8446% | 2,502 |
| Net interest margin | 3.0024% | 6,910 |
| Noninterest income to average assets | 0.4052% | 5,427 |
| Noninterest expense to average assets | 1.9485% | 7,541 |
| Loan and lease loss provision to assets | 0.0642% | 6,593 |
| Net operating income to assets | 1.2251% | 1,703 |
| Return on assets (ROA) | 1.3196% | 1,382 |
| Pretax return on assets | 1.3208% | 2,240 |
| Return on Equity (ROE) | 13.9181% | 1,125 |
| Retained earnings to average equity (ytd only) | -7.6365% | 6,852 |
| Net charge-offs to loans | 0.0420% | 6,188 |
| Credit loss provision to net charge-offs | 239.1304% | 1,971 |
| Earnings coverage of net charge-offs (x) | 48.0435% | 785 |
| Efficiency ratio | 58.9147% | 6,540 |
| Assets per employee ($millions) | 5.3715% | 1,556 |
| Cash dividends to net income (ytd only)* | 154.8673% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 2,564 |
| Loan loss allowance to noncurrent loans | 117.8149% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 3,908 |
| Noncurrent loans to loans | 1.2950% | 3,926 |
| Net loans and leases to total assets | 61.6462% | 5,672 |
| Net loans and leases to deposits | 68.2732% | 6,433 |
| Net loans and leases to core deposits | 86.2388% | 6,117 |
| Total domestic deposits to total assets | 90.2934% | 551 |
| Equity capital to assets | 9.3964% | 4,824 |
| Core capital (leverage) ratio | 8.6238% | 5,336 |
| Tier 1 risk-based capital ratio | 12.0337% | 4,796 |
| Total risk-based capital ratio | 13.2848% | 4,677 |
| Memoranda: | ||
| Average total assets | $171,257,600 | 3,532 |
| Average earning assets | $161,638,400 | 3,444 |
| Average equity | $16,237,800 | 3,880 |
| Average total loans | $109,415,600 | 3,691 |