Home > Select Bank & Trust Company > Performance and Condition Ratios
Select Bank & Trust Company, Performance and Condition Ratios
| 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 | 4.4329% | 2,059 |
| Cost of funding earning assets | 0.8023% | 694 |
| Net interest margin | 3.6306% | 3,231 |
| Noninterest income to average assets | 0.3370% | 4,727 |
| Noninterest expense to average assets | 2.0060% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1135% | 1,883 |
| Return on assets (ROA) | 1.1334% | 1,898 |
| Pretax return on assets | 1.7432% | 942 |
| Return on Equity (ROE) | 9.8008% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.8008% | 768 |
| Net charge-offs to loans | 0.1785% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.2653% | 2,078 |
| Efficiency ratio | 53.5057% | 5,952 |
| Assets per employee ($millions) | 6.1359% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 2,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 5,939 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 77.9575% | 918 |
| Net loans and leases to deposits | 100.0482% | 557 |
| Net loans and leases to core deposits | 118.3913% | 411 |
| Total domestic deposits to total assets | 77.9199% | 5,648 |
| Equity capital to assets | 11.8583% | 2,099 |
| Core capital (leverage) ratio | 11.0592% | 2,367 |
| Tier 1 risk-based capital ratio | 14.7003% | 3,809 |
| Total risk-based capital ratio | 15.9549% | 3,760 |
| Memoranda: | ||
| Average total assets | $280,753,670 | 2,284 |
| Average earning assets | $261,499,000 | 2,273 |
| Average equity | $32,466,670 | 2,137 |
| Average total loans | $219,554,670 | 1,906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,252 |
| Cost of funding earning assets | 0.7977% | 758 |
| Net interest margin | 3.5768% | 3,355 |
| Noninterest income to average assets | 0.2671% | 5,231 |
| Noninterest expense to average assets | 1.9985% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0242% | 2,108 |
| Return on assets (ROA) | 1.0571% | 2,049 |
| Pretax return on assets | 1.6571% | 1,058 |
| Return on Equity (ROE) | 9.2601% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.2601% | 1,172 |
| Net charge-offs to loans | 0.0515% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 40.1429% | 872 |
| Efficiency ratio | 54.9742% | 5,927 |
| Assets per employee ($millions) | 5.9451% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 2,589 |
| Loan loss allowance to noncurrent loans | 2,333.1169% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,849 |
| Noncurrent loans to loans | 0.0697% | 5,932 |
| Net loans and leases to total assets | 77.7351% | 793 |
| Net loans and leases to deposits | 96.5601% | 615 |
| Net loans and leases to core deposits | 114.2652% | 459 |
| Total domestic deposits to total assets | 80.5044% | 5,383 |
| Equity capital to assets | 11.6140% | 2,159 |
| Core capital (leverage) ratio | 10.8673% | 2,527 |
| Tier 1 risk-based capital ratio | 14.5660% | 3,969 |
| Total risk-based capital ratio | 15.8220% | 3,915 |
| Memoranda: | ||
| Average total assets | $280,005,500 | 2,302 |
| Average earning assets | $261,239,000 | 2,277 |
| Average equity | $31,965,000 | 2,159 |
| Average total loans | $217,602,000 | 1,912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 2,154 |
| Cost of funding earning assets | 0.9099% | 696 |
| Net interest margin | 3.6043% | 3,448 |
| Noninterest income to average assets | 0.4234% | 4,278 |
| Noninterest expense to average assets | 2.2412% | 5,525 |
| Loan and lease loss provision to assets | 0.1120% | 2,940 |
| Net operating income to assets | 0.9202% | 2,677 |
| Return on assets (ROA) | 0.9343% | 2,706 |
| Pretax return on assets | 1.4406% | 1,651 |
| Return on Equity (ROE) | 8.2231% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.2231% | 979 |
| Net charge-offs to loans | 0.1248% | 3,561 |
| Credit loss provision to net charge-offs | 115.8301% | 2,083 |
| Earnings coverage of net charge-offs (x) | 15.8301% | 1,844 |
| Efficiency ratio | 58.9289% | 5,618 |
| Assets per employee ($millions) | 5.9700% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 2,438 |
| Loan loss allowance to noncurrent loans | 11,677.4194% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,074 |
| Noncurrent loans to loans | 0.0145% | 6,235 |
| Net loans and leases to total assets | 75.1213% | 1,204 |
| Net loans and leases to deposits | 92.7391% | 983 |
| Net loans and leases to core deposits | 108.0928% | 692 |
| Total domestic deposits to total assets | 81.0028% | 5,177 |
| Equity capital to assets | 11.2185% | 2,414 |
| Core capital (leverage) ratio | 10.5470% | 2,852 |
| Tier 1 risk-based capital ratio | 14.2156% | 4,143 |
| Total risk-based capital ratio | 15.4716% | 4,083 |
| Memoranda: | ||
| Average total assets | $267,807,400 | 2,373 |
| Average earning assets | $248,813,600 | 2,341 |
| Average equity | $30,426,600 | 2,232 |
| Average total loans | $207,515,400 | 1,945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 2,113 |
| Cost of funding earning assets | 0.9292% | 710 |
| Net interest margin | 3.6025% | 3,434 |
| Noninterest income to average assets | 0.4132% | 4,425 |
| Noninterest expense to average assets | 2.2362% | 5,516 |
| Loan and lease loss provision to assets | 0.3023% | 1,118 |
| Net operating income to assets | 0.8086% | 3,298 |
| Return on assets (ROA) | 0.8279% | 3,329 |
| Pretax return on assets | 1.2501% | 2,511 |
| Return on Equity (ROE) | 7.2624% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.2624% | 1,761 |
| Net charge-offs to loans | 0.0402% | 4,340 |
| Credit loss provision to net charge-offs | 967.7419% | 322 |
| Earnings coverage of net charge-offs (x) | 48.7608% | 880 |
| Efficiency ratio | 58.9867% | 5,558 |
| Assets per employee ($millions) | 5.4061% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 1,879 |
| Loan loss allowance to noncurrent loans | 13,280.6452% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 6,165 |
| Noncurrent loans to loans | 0.0146% | 6,317 |
| Net loans and leases to total assets | 75.4016% | 1,077 |
| Net loans and leases to deposits | 93.2342% | 884 |
| Net loans and leases to core deposits | 106.5606% | 727 |
| Total domestic deposits to total assets | 80.8733% | 5,246 |
| Equity capital to assets | 11.1291% | 2,635 |
| Core capital (leverage) ratio | 10.7233% | 2,761 |
| Tier 1 risk-based capital ratio | 14.1147% | 4,344 |
| Total risk-based capital ratio | 15.3742% | 4,288 |
| Memoranda: | ||
| Average total assets | $264,612,000 | 2,413 |
| Average earning assets | $245,787,750 | 2,384 |
| Average equity | $30,163,750 | 2,258 |
| Average total loans | $205,793,750 | 1,969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,974 |
| Cost of funding earning assets | 0.9457% | 726 |
| Net interest margin | 3.6185% | 3,291 |
| Noninterest income to average assets | 0.4231% | 4,356 |
| Noninterest expense to average assets | 2.2391% | 5,525 |
| Loan and lease loss provision to assets | 0.3449% | 973 |
| Net operating income to assets | 0.7886% | 3,359 |
| Return on assets (ROA) | 0.8179% | 3,364 |
| Pretax return on assets | 1.2418% | 2,508 |
| Return on Equity (ROE) | 7.1156% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.1156% | 1,838 |
| Net charge-offs to loans | 0.0314% | 4,248 |
| Credit loss provision to net charge-offs | 1,406.2500% | 226 |
| Earnings coverage of net charge-offs (x) | 62.8750% | 679 |
| Efficiency ratio | 58.7269% | 5,639 |
| Assets per employee ($millions) | 5.4134% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 2,098 |
| Loan loss allowance to noncurrent loans | 12,893.5484% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 6,211 |
| Noncurrent loans to loans | 0.0148% | 6,384 |
| Net loans and leases to total assets | 77.5381% | 799 |
| Net loans and leases to deposits | 95.4954% | 706 |
| Net loans and leases to core deposits | 109.8626% | 566 |
| Total domestic deposits to total assets | 81.1957% | 5,291 |
| Equity capital to assets | 11.3674% | 2,409 |
| Core capital (leverage) ratio | 10.7341% | 2,632 |
| Tier 1 risk-based capital ratio | 13.9854% | 4,437 |
| Total risk-based capital ratio | 15.2445% | 4,392 |
| Memoranda: | ||
| Average total assets | $260,913,000 | 2,453 |
| Average earning assets | $242,147,670 | 2,427 |
| Average equity | $29,990,330 | 2,273 |
| Average total loans | $203,723,000 | 1,984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 1,849 |
| Cost of funding earning assets | 0.9506% | 786 |
| Net interest margin | 3.6405% | 3,109 |
| Noninterest income to average assets | 0.3772% | 4,649 |
| Noninterest expense to average assets | 2.2107% | 5,660 |
| Loan and lease loss provision to assets | 0.3478% | 945 |
| Net operating income to assets | 0.7745% | 3,308 |
| Return on assets (ROA) | 0.7745% | 3,446 |
| Pretax return on assets | 1.1873% | 2,624 |
| Return on Equity (ROE) | 6.7003% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.7003% | 2,315 |
| Net charge-offs to loans | 0.0538% | 3,285 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 36.7778% | 843 |
| Efficiency ratio | 58.5225% | 5,778 |
| Assets per employee ($millions) | 5.2984% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 2,384 |
| Loan loss allowance to noncurrent loans | 3,975.7895% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 6,205 |
| Noncurrent loans to loans | 0.0471% | 6,344 |
| Net loans and leases to total assets | 76.2446% | 809 |
| Net loans and leases to deposits | 94.7496% | 622 |
| Net loans and leases to core deposits | 108.5718% | 545 |
| Total domestic deposits to total assets | 80.4696% | 5,643 |
| Equity capital to assets | 11.5892% | 2,341 |
| Core capital (leverage) ratio | 10.6330% | 2,617 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,584 |
| Total risk-based capital ratio | 15.1475% | 4,538 |
| Memoranda: | ||
| Average total assets | $258,740,500 | 2,503 |
| Average earning assets | $239,420,000 | 2,477 |
| Average equity | $29,909,000 | 2,297 |
| Average total loans | $200,748,000 | 2,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 2,165 |
| Cost of funding earning assets | 1.0076% | 1,321 |
| Net interest margin | 3.7997% | 3,226 |
| Noninterest income to average assets | 0.4079% | 4,541 |
| Noninterest expense to average assets | 2.2077% | 5,909 |
| Loan and lease loss provision to assets | 0.4989% | 1,198 |
| Net operating income to assets | 0.8089% | 3,246 |
| Return on assets (ROA) | 0.8211% | 3,434 |
| Pretax return on assets | 1.2269% | 2,695 |
| Return on Equity (ROE) | 6.9361% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.9361% | 1,599 |
| Net charge-offs to loans | 0.2969% | 3,163 |
| Credit loss provision to net charge-offs | 219.7802% | 1,142 |
| Earnings coverage of net charge-offs (x) | 7.5220% | 2,583 |
| Efficiency ratio | 55.8033% | 6,075 |
| Assets per employee ($millions) | 5.8605% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 2,610 |
| Loan loss allowance to noncurrent loans | 3,615.1515% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 6,180 |
| Noncurrent loans to loans | 0.0496% | 6,374 |
| Net loans and leases to total assets | 76.0851% | 901 |
| Net loans and leases to deposits | 94.6252% | 711 |
| Net loans and leases to core deposits | 106.6353% | 665 |
| Total domestic deposits to total assets | 80.4068% | 5,566 |
| Equity capital to assets | 11.5295% | 2,416 |
| Core capital (leverage) ratio | 10.6277% | 2,626 |
| Tier 1 risk-based capital ratio | 13.6744% | 4,625 |
| Total risk-based capital ratio | 14.9317% | 4,567 |
| Memoranda: | ||
| Average total assets | $240,523,000 | 2,628 |
| Average earning assets | $222,015,400 | 2,593 |
| Average equity | $28,474,200 | 2,352 |
| Average total loans | $183,901,400 | 2,154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 2,115 |
| Cost of funding earning assets | 1.0344% | 1,371 |
| Net interest margin | 3.8387% | 3,166 |
| Noninterest income to average assets | 0.3731% | 4,843 |
| Noninterest expense to average assets | 2.2665% | 5,787 |
| Loan and lease loss provision to assets | 0.5081% | 1,200 |
| Net operating income to assets | 0.7616% | 3,645 |
| Return on assets (ROA) | 0.7756% | 3,822 |
| Pretax return on assets | 1.1601% | 3,130 |
| Return on Equity (ROE) | 6.5054% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.5054% | 2,376 |
| Net charge-offs to loans | 0.2156% | 3,433 |
| Credit loss provision to net charge-offs | 309.2784% | 870 |
| Earnings coverage of net charge-offs (x) | 10.0275% | 2,235 |
| Efficiency ratio | 57.3201% | 5,880 |
| Assets per employee ($millions) | 5.8119% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 2,559 |
| Loan loss allowance to noncurrent loans | 2,896.7213% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 6,283 |
| Noncurrent loans to loans | 0.0648% | 6,452 |
| Net loans and leases to total assets | 73.9680% | 1,252 |
| Net loans and leases to deposits | 92.1915% | 955 |
| Net loans and leases to core deposits | 104.8496% | 818 |
| Total domestic deposits to total assets | 80.2330% | 5,592 |
| Equity capital to assets | 11.6633% | 2,578 |
| Core capital (leverage) ratio | 10.8205% | 2,573 |
| Tier 1 risk-based capital ratio | 13.9915% | 4,527 |
| Total risk-based capital ratio | 15.2495% | 4,475 |
| Memoranda: | ||
| Average total assets | $236,188,750 | 2,695 |
| Average earning assets | $217,843,500 | 2,665 |
| Average equity | $28,160,250 | 2,402 |
| Average total loans | $179,933,750 | 2,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,967 |
| Cost of funding earning assets | 1.0505% | 1,470 |
| Net interest margin | 3.8882% | 2,958 |
| Noninterest income to average assets | 0.3558% | 4,987 |
| Noninterest expense to average assets | 2.3081% | 5,711 |
| Loan and lease loss provision to assets | 0.5181% | 1,213 |
| Net operating income to assets | 0.7388% | 3,652 |
| Return on assets (ROA) | 0.7599% | 3,829 |
| Pretax return on assets | 1.1441% | 3,138 |
| Return on Equity (ROE) | 6.3239% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.3239% | 2,491 |
| Net charge-offs to loans | 0.1468% | 3,738 |
| Credit loss provision to net charge-offs | 461.5385% | 650 |
| Earnings coverage of net charge-offs (x) | 14.5231% | 1,712 |
| Efficiency ratio | 58.0136% | 5,874 |
| Assets per employee ($millions) | 5.7228% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 2,668 |
| Loan loss allowance to noncurrent loans | 6,790.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 6,273 |
| Noncurrent loans to loans | 0.0274% | 6,622 |
| Net loans and leases to total assets | 74.4938% | 1,178 |
| Net loans and leases to deposits | 93.3447% | 826 |
| Net loans and leases to core deposits | 107.2875% | 692 |
| Total domestic deposits to total assets | 79.8050% | 5,792 |
| Equity capital to assets | 11.7858% | 2,330 |
| Core capital (leverage) ratio | 10.7250% | 2,572 |
| Tier 1 risk-based capital ratio | 13.9607% | 4,472 |
| Total risk-based capital ratio | 15.2179% | 4,438 |
| Memoranda: | ||
| Average total assets | $231,614,330 | 2,739 |
| Average earning assets | $213,415,000 | 2,720 |
| Average equity | $27,831,000 | 2,408 |
| Average total loans | $177,115,330 | 2,272 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 2,075 |
| Cost of funding earning assets | 1.0487% | 1,684 |
| Net interest margin | 3.8957% | 2,944 |
| Noninterest income to average assets | 0.3556% | 5,026 |
| Noninterest expense to average assets | 2.3587% | 5,601 |
| Loan and lease loss provision to assets | 0.5281% | 1,137 |
| Net operating income to assets | 0.7236% | 3,765 |
| Return on assets (ROA) | 0.7411% | 3,905 |
| Pretax return on assets | 1.1177% | 3,254 |
| Return on Equity (ROE) | 6.1053% | 4,235 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,893 |
| Net charge-offs to loans | 0.0780% | 3,717 |
| Credit loss provision to net charge-offs | 882.3529% | 396 |
| Earnings coverage of net charge-offs (x) | 27.0588% | 993 |
| Efficiency ratio | 58.6726% | 5,822 |
| Assets per employee ($millions) | 5.5703% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 3,046 |
| Loan loss allowance to noncurrent loans | 339.1073% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 5,673 |
| Noncurrent loans to loans | 0.5261% | 5,614 |
| Net loans and leases to total assets | 73.3484% | 1,165 |
| Net loans and leases to deposits | 90.9292% | 880 |
| Net loans and leases to core deposits | 102.5622% | 837 |
| Total domestic deposits to total assets | 80.6654% | 5,687 |
| Equity capital to assets | 11.6160% | 2,338 |
| Core capital (leverage) ratio | 10.8048% | 2,438 |
| Tier 1 risk-based capital ratio | 13.7687% | 4,633 |
| Total risk-based capital ratio | 15.0247% | 4,612 |
| Memoranda: | ||
| Average total assets | $227,243,000 | 2,799 |
| Average earning assets | $211,309,500 | 2,757 |
| Average equity | $27,582,500 | 2,424 |
| Average total loans | $174,450,000 | 2,316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 2,770 |
| Cost of funding earning assets | 1.3793% | 1,127 |
| Net interest margin | 3.6482% | 4,529 |
| Noninterest income to average assets | 0.3998% | 4,614 |
| Noninterest expense to average assets | 2.1380% | 6,414 |
| Loan and lease loss provision to assets | 0.7888% | 1,257 |
| Net operating income to assets | 0.5718% | 4,140 |
| Return on assets (ROA) | 0.6315% | 4,024 |
| Pretax return on assets | 0.9327% | 3,500 |
| Return on Equity (ROE) | 5.7138% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.7138% | 2,167 |
| Net charge-offs to loans | 0.5067% | 2,965 |
| Credit loss provision to net charge-offs | 200.5013% | 1,239 |
| Earnings coverage of net charge-offs (x) | 4.1529% | 3,243 |
| Efficiency ratio | 56.1757% | 6,293 |
| Assets per employee ($millions) | 6.1418% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 3,121 |
| Loan loss allowance to noncurrent loans | 273.1092% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 5,569 |
| Noncurrent loans to loans | 0.6299% | 5,456 |
| Net loans and leases to total assets | 77.7333% | 739 |
| Net loans and leases to deposits | 100.8437% | 421 |
| Net loans and leases to core deposits | 114.9523% | 470 |
| Total domestic deposits to total assets | 77.0829% | 6,329 |
| Equity capital to assets | 12.7195% | 1,646 |
| Core capital (leverage) ratio | 12.1572% | 1,516 |
| Tier 1 risk-based capital ratio | 15.2179% | 3,501 |
| Total risk-based capital ratio | 16.4742% | 3,462 |
| Memoranda: | ||
| Average total assets | $202,852,000 | 3,028 |
| Average earning assets | $187,492,200 | 2,991 |
| Average equity | $22,419,600 | 2,843 |
| Average total loans | $157,494,800 | 2,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 2,665 |
| Cost of funding earning assets | 1.4713% | 950 |
| Net interest margin | 3.6166% | 4,699 |
| Noninterest income to average assets | 0.3730% | 4,887 |
| Noninterest expense to average assets | 2.1552% | 6,382 |
| Loan and lease loss provision to assets | 0.6472% | 1,520 |
| Net operating income to assets | 0.6046% | 4,064 |
| Return on assets (ROA) | 0.6239% | 4,170 |
| Pretax return on assets | 0.9288% | 3,655 |
| Return on Equity (ROE) | 5.8834% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8834% | 2,628 |
| Net charge-offs to loans | 0.1676% | 4,451 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 11.9536% | 1,755 |
| Efficiency ratio | 57.6861% | 6,061 |
| Assets per employee ($millions) | 6.1351% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7820% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,407.2816% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 6,707 |
| Noncurrent loans to loans | 0.1266% | 6,622 |
| Net loans and leases to total assets | 76.6027% | 893 |
| Net loans and leases to deposits | 98.0096% | 577 |
| Net loans and leases to core deposits | 109.5557% | 697 |
| Total domestic deposits to total assets | 78.1583% | 6,160 |
| Equity capital to assets | 12.9626% | 1,630 |
| Core capital (leverage) ratio | 12.3446% | 1,514 |
| Tier 1 risk-based capital ratio | 15.7803% | 3,230 |
| Total risk-based capital ratio | 17.0374% | 3,187 |
| Memoranda: | ||
| Average total assets | $199,824,500 | 3,077 |
| Average earning assets | $183,963,000 | 3,051 |
| Average equity | $21,189,000 | 2,983 |
| Average total loans | $154,363,000 | 2,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 2,577 |
| Cost of funding earning assets | 1.5523% | 832 |
| Net interest margin | 3.5710% | 4,834 |
| Noninterest income to average assets | 0.3210% | 5,329 |
| Noninterest expense to average assets | 2.1259% | 6,543 |
| Loan and lease loss provision to assets | 0.6602% | 1,458 |
| Net operating income to assets | 0.5381% | 4,343 |
| Return on assets (ROA) | 0.5851% | 4,263 |
| Pretax return on assets | 0.8786% | 3,718 |
| Return on Equity (ROE) | 5.9878% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.9878% | 2,442 |
| Net charge-offs to loans | 0.1003% | 4,677 |
| Credit loss provision to net charge-offs | 855.2632% | 382 |
| Earnings coverage of net charge-offs (x) | 19.0263% | 1,232 |
| Efficiency ratio | 58.6041% | 6,085 |
| Assets per employee ($millions) | 6.4242% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,268 |
| Loan loss allowance to noncurrent loans | 1,614.9701% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,887 |
| Noncurrent loans to loans | 0.1063% | 6,706 |
| Net loans and leases to total assets | 77.5510% | 835 |
| Net loans and leases to deposits | 96.2297% | 708 |
| Net loans and leases to core deposits | 115.2750% | 535 |
| Total domestic deposits to total assets | 80.5894% | 5,651 |
| Equity capital to assets | 9.8810% | 4,294 |
| Core capital (leverage) ratio | 8.9967% | 4,729 |
| Tier 1 risk-based capital ratio | 11.6199% | 6,079 |
| Total risk-based capital ratio | 12.8760% | 6,068 |
| Memoranda: | ||
| Average total assets | $196,902,000 | 3,127 |
| Average earning assets | $180,507,330 | 3,127 |
| Average equity | $19,239,000 | 3,238 |
| Average total loans | $151,588,670 | 2,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 2,809 |
| Cost of funding earning assets | 1.5839% | 864 |
| Net interest margin | 3.4778% | 5,111 |
| Noninterest income to average assets | 0.2942% | 5,561 |
| Noninterest expense to average assets | 2.0983% | 6,639 |
| Loan and lease loss provision to assets | 0.6129% | 1,399 |
| Net operating income to assets | 0.5190% | 4,409 |
| Return on assets (ROA) | 0.5190% | 4,495 |
| Pretax return on assets | 0.7682% | 4,027 |
| Return on Equity (ROE) | 5.3419% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.3419% | 2,973 |
| Net charge-offs to loans | 0.0914% | 4,030 |
| Credit loss provision to net charge-offs | 882.3529% | 436 |
| Earnings coverage of net charge-offs (x) | 19.8824% | 1,122 |
| Efficiency ratio | 59.7181% | 6,024 |
| Assets per employee ($millions) | 6.5884% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 3,830 |
| Loan loss allowance to noncurrent loans | 1,405.2941% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 6,950 |
| Noncurrent loans to loans | 0.1122% | 6,771 |
| Net loans and leases to total assets | 75.4287% | 1,123 |
| Net loans and leases to deposits | 95.8377% | 703 |
| Net loans and leases to core deposits | 120.8729% | 398 |
| Total domestic deposits to total assets | 78.7046% | 6,257 |
| Equity capital to assets | 9.7084% | 4,162 |
| Core capital (leverage) ratio | 9.0778% | 4,484 |
| Tier 1 risk-based capital ratio | 11.7187% | 5,924 |
| Total risk-based capital ratio | 12.9728% | 5,922 |
| Memoranda: | ||
| Average total assets | $195,778,500 | 3,170 |
| Average earning assets | $179,307,500 | 3,155 |
| Average equity | $19,019,500 | 3,253 |
| Average total loans | $148,813,500 | 2,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 3,544 |
| Cost of funding earning assets | 1.7165% | 1,519 |
| Net interest margin | 3.4954% | 5,259 |
| Noninterest income to average assets | 0.2919% | 5,694 |
| Noninterest expense to average assets | 2.0774% | 6,897 |
| Loan and lease loss provision to assets | 0.5357% | 3,008 |
| Net operating income to assets | 0.5117% | 4,046 |
| Return on assets (ROA) | 0.5432% | 4,064 |
| Pretax return on assets | 0.8201% | 3,568 |
| Return on Equity (ROE) | 5.5789% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,072 |
| Net charge-offs to loans | 0.3261% | 4,381 |
| Credit loss provision to net charge-offs | 226.7574% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.5374% | 2,599 |
| Efficiency ratio | 60.6487% | 5,945 |
| Assets per employee ($millions) | 6.6863% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 4,268 |
| Loan loss allowance to noncurrent loans | 2,830.6667% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 7,143 |
| Noncurrent loans to loans | 0.0513% | 6,998 |
| Net loans and leases to total assets | 74.2780% | 1,604 |
| Net loans and leases to deposits | 94.0480% | 1,065 |
| Net loans and leases to core deposits | 126.7785% | 377 |
| Total domestic deposits to total assets | 78.9788% | 6,085 |
| Equity capital to assets | 9.7213% | 4,091 |
| Core capital (leverage) ratio | 9.0160% | 4,521 |
| Tier 1 risk-based capital ratio | 11.3288% | 6,062 |
| Total risk-based capital ratio | 12.5805% | 6,055 |
| Memoranda: | ||
| Average total assets | $186,678,600 | 3,274 |
| Average earning assets | $165,218,600 | 3,360 |
| Average equity | $18,175,600 | 3,397 |
| Average total loans | $135,229,000 | 3,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 3,823 |
| Cost of funding earning assets | 1.7354% | 1,696 |
| Net interest margin | 3.4659% | 5,429 |
| Noninterest income to average assets | 0.2827% | 5,850 |
| Noninterest expense to average assets | 2.0677% | 6,923 |
| Loan and lease loss provision to assets | 0.4904% | 3,018 |
| Net operating income to assets | 0.4966% | 4,333 |
| Return on assets (ROA) | 0.5135% | 4,438 |
| Pretax return on assets | 0.7912% | 3,944 |
| Return on Equity (ROE) | 5.2719% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.2719% | 2,796 |
| Net charge-offs to loans | 0.0865% | 5,668 |
| Credit loss provision to net charge-offs | 790.6977% | 373 |
| Earnings coverage of net charge-offs (x) | 20.2449% | 1,178 |
| Efficiency ratio | 61.4800% | 5,712 |
| Assets per employee ($millions) | 6.2759% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,892 |
| Loan loss allowance to noncurrent loans | 1,530.4965% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,152 |
| Noncurrent loans to loans | 0.0990% | 6,988 |
| Net loans and leases to total assets | 74.4807% | 1,694 |
| Net loans and leases to deposits | 94.5118% | 1,148 |
| Net loans and leases to core deposits | 124.7132% | 480 |
| Total domestic deposits to total assets | 78.8057% | 6,064 |
| Equity capital to assets | 9.8833% | 4,314 |
| Core capital (leverage) ratio | 8.9776% | 4,730 |
| Tier 1 risk-based capital ratio | 11.2461% | 6,140 |
| Total risk-based capital ratio | 12.4989% | 6,139 |
| Memoranda: | ||
| Average total assets | $184,872,250 | 3,349 |
| Average earning assets | $162,185,000 | 3,458 |
| Average equity | $18,007,000 | 3,467 |
| Average total loans | $132,498,500 | 3,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 4,131 |
| Cost of funding earning assets | 1.7970% | 1,651 |
| Net interest margin | 3.3649% | 5,776 |
| Noninterest income to average assets | 0.2623% | 6,037 |
| Noninterest expense to average assets | 2.0410% | 7,029 |
| Loan and lease loss provision to assets | 0.4572% | 3,034 |
| Net operating income to assets | 0.4359% | 4,599 |
| Return on assets (ROA) | 0.4430% | 4,726 |
| Pretax return on assets | 0.6836% | 4,293 |
| Return on Equity (ROE) | 4.5713% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.5713% | 3,167 |
| Net charge-offs to loans | 0.0666% | 5,476 |
| Credit loss provision to net charge-offs | 976.7442% | 385 |
| Earnings coverage of net charge-offs (x) | 24.1395% | 1,085 |
| Efficiency ratio | 63.5771% | 5,416 |
| Assets per employee ($millions) | 6.1246% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,262 |
| Loan loss allowance to noncurrent loans | 1,005.6995% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 7,126 |
| Noncurrent loans to loans | 0.1427% | 6,973 |
| Net loans and leases to total assets | 72.5352% | 2,273 |
| Net loans and leases to deposits | 92.5295% | 1,454 |
| Net loans and leases to core deposits | 119.2086% | 721 |
| Total domestic deposits to total assets | 78.3914% | 6,180 |
| Equity capital to assets | 9.8434% | 4,210 |
| Core capital (leverage) ratio | 9.1650% | 4,355 |
| Tier 1 risk-based capital ratio | 11.6106% | 5,665 |
| Total risk-based capital ratio | 12.8620% | 5,623 |
| Memoranda: | ||
| Average total assets | $183,737,330 | 3,391 |
| Average earning assets | $158,816,670 | 3,536 |
| Average equity | $17,806,670 | 3,491 |
| Average total loans | $129,202,000 | 3,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1466% | 4,313 |
| Cost of funding earning assets | 1.9255% | 1,343 |
| Net interest margin | 3.2211% | 6,226 |
| Noninterest income to average assets | 0.2177% | 6,403 |
| Noninterest expense to average assets | 2.0094% | 7,142 |
| Loan and lease loss provision to assets | 0.4572% | 2,681 |
| Net operating income to assets | 0.3086% | 5,263 |
| Return on assets (ROA) | 0.3287% | 5,303 |
| Pretax return on assets | 0.4985% | 4,964 |
| Return on Equity (ROE) | 3.4188% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.4188% | 4,105 |
| Net charge-offs to loans | -0.0158% | 7,016 |
| Credit loss provision to net charge-offs | -4,200.0000% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6558% | 4,788 |
| Assets per employee ($millions) | 6.3111% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,575 |
| Loan loss allowance to noncurrent loans | 3,785.1064% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 7,425 |
| Noncurrent loans to loans | 0.0362% | 7,320 |
| Net loans and leases to total assets | 72.4617% | 2,338 |
| Net loans and leases to deposits | 93.6906% | 1,385 |
| Net loans and leases to core deposits | 118.5950% | 846 |
| Total domestic deposits to total assets | 77.3414% | 6,480 |
| Equity capital to assets | 10.0306% | 3,827 |
| Core capital (leverage) ratio | 8.9480% | 4,649 |
| Tier 1 risk-based capital ratio | 11.7681% | 5,436 |
| Total risk-based capital ratio | 13.0218% | 5,365 |
| Memoranda: | ||
| Average total assets | $183,737,500 | 3,447 |
| Average earning assets | $154,976,500 | 3,670 |
| Average equity | $17,667,000 | 3,543 |
| Average total loans | $126,195,500 | 3,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 6,120 |
| Cost of funding earning assets | 2.3737% | 1,380 |
| Net interest margin | 2.7186% | 7,186 |
| Noninterest income to average assets | 0.2083% | 6,614 |
| Noninterest expense to average assets | 1.9289% | 7,459 |
| Loan and lease loss provision to assets | 0.3622% | 4,630 |
| Net operating income to assets | 0.2401% | 4,760 |
| Return on assets (ROA) | 0.2558% | 4,781 |
| Pretax return on assets | 0.3654% | 4,594 |
| Return on Equity (ROE) | 2.3072% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.3072% | 3,501 |
| Net charge-offs to loans | 0.1942% | 5,430 |
| Credit loss provision to net charge-offs | 265.2582% | 1,324 |
| Earnings coverage of net charge-offs (x) | 5.1643% | 2,670 |
| Efficiency ratio | 73.2295% | 4,047 |
| Assets per employee ($millions) | 7.9485% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,897 |
| Loan loss allowance to noncurrent loans | 3,327.6596% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,463 |
| Noncurrent loans to loans | 0.0383% | 7,332 |
| Net loans and leases to total assets | 63.4294% | 4,720 |
| Net loans and leases to deposits | 84.3542% | 3,198 |
| Net loans and leases to core deposits | 119.3421% | 1,998 |
| Total domestic deposits to total assets | 75.1941% | 6,830 |
| Equity capital to assets | 9.2307% | 4,802 |
| Core capital (leverage) ratio | 10.7604% | 2,379 |
| Tier 1 risk-based capital ratio | 11.8605% | 5,065 |
| Total risk-based capital ratio | 13.0293% | 5,091 |
| Memoranda: | ||
| Average total assets | $155,998,000 | 3,861 |
| Average earning assets | $139,191,000 | 3,918 |
| Average equity | $17,294,000 | 3,615 |
| Average total loans | $109,680,400 | 3,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 6,480 |
| Cost of funding earning assets | 2.5164% | 1,243 |
| Net interest margin | 2.5222% | 7,437 |
| Noninterest income to average assets | 0.1964% | 6,812 |
| Noninterest expense to average assets | 1.9596% | 7,456 |
| Loan and lease loss provision to assets | 0.2670% | 4,828 |
| Net operating income to assets | 0.2317% | 5,052 |
| Return on assets (ROA) | 0.2317% | 5,132 |
| Pretax return on assets | 0.3304% | 4,983 |
| Return on Equity (ROE) | 1.9827% | 5,165 |
| Retained earnings to average equity (ytd only) | 1.9827% | 4,218 |
| Net charge-offs to loans | 0.0726% | 5,958 |
| Credit loss provision to net charge-offs | 508.6207% | 771 |
| Earnings coverage of net charge-offs (x) | 11.3795% | 1,858 |
| Efficiency ratio | 76.6372% | 3,395 |
| Assets per employee ($millions) | 6.6388% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,802 |
| Loan loss allowance to noncurrent loans | 1,906.5789% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 7,440 |
| Noncurrent loans to loans | 0.0657% | 7,340 |
| Net loans and leases to total assets | 74.7950% | 2,292 |
| Net loans and leases to deposits | 108.5165% | 523 |
| Net loans and leases to core deposits | 151.6277% | 547 |
| Total domestic deposits to total assets | 68.9250% | 7,501 |
| Equity capital to assets | 11.5219% | 2,562 |
| Core capital (leverage) ratio | 11.1789% | 2,275 |
| Tier 1 risk-based capital ratio | 14.0244% | 3,538 |
| Total risk-based capital ratio | 15.2200% | 3,515 |
| Memoranda: | ||
| Average total assets | $147,306,250 | 4,018 |
| Average earning assets | $137,863,500 | 3,971 |
| Average equity | $17,215,250 | 3,659 |
| Average total loans | $106,459,250 | 3,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 6,796 |
| Cost of funding earning assets | 2.5401% | 1,480 |
| Net interest margin | 2.4533% | 7,521 |
| Noninterest income to average assets | 0.1608% | 7,122 |
| Noninterest expense to average assets | 1.9133% | 7,610 |
| Loan and lease loss provision to assets | 0.2337% | 4,719 |
| Net operating income to assets | 0.2130% | 5,217 |
| Return on assets (ROA) | 0.2130% | 5,296 |
| Pretax return on assets | 0.3038% | 5,200 |
| Return on Equity (ROE) | 1.8140% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.8140% | 4,335 |
| Net charge-offs to loans | 0.0019% | 6,602 |
| Credit loss provision to net charge-offs | 17,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 95 |
| Efficiency ratio | 78.0707% | 3,337 |
| Assets per employee ($millions) | 6.6433% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.2671% | 3,887 |
| Net loans and leases to deposits | 97.1981% | 1,638 |
| Net loans and leases to core deposits | 135.6237% | 1,234 |
| Total domestic deposits to total assets | 71.2638% | 7,332 |
| Equity capital to assets | 11.2535% | 2,713 |
| Core capital (leverage) ratio | 11.3103% | 2,187 |
| Tier 1 risk-based capital ratio | 14.6064% | 3,187 |
| Total risk-based capital ratio | 15.8003% | 3,158 |
| Memoranda: | ||
| Average total assets | $145,511,000 | 4,076 |
| Average earning assets | $135,819,330 | 4,033 |
| Average equity | $17,089,330 | 3,696 |
| Average total loans | $103,394,000 | 3,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 6,833 |
| Cost of funding earning assets | 2.6081% | 1,539 |
| Net interest margin | 2.4324% | 7,584 |
| Noninterest income to average assets | 0.1241% | 7,406 |
| Noninterest expense to average assets | 1.8975% | 7,549 |
| Loan and lease loss provision to assets | 0.2115% | 4,333 |
| Net operating income to assets | 0.2002% | 5,654 |
| Return on assets (ROA) | 0.2002% | 5,823 |
| Pretax return on assets | 0.2791% | 5,734 |
| Return on Equity (ROE) | 1.6670% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.6670% | 4,913 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4569% | 2,916 |
| Assets per employee ($millions) | 6.7175% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.6312% | 3,994 |
| Net loans and leases to deposits | 103.5646% | 1,044 |
| Net loans and leases to core deposits | 152.1679% | 644 |
| Total domestic deposits to total assets | 66.2690% | 7,718 |
| Equity capital to assets | 11.6170% | 2,508 |
| Core capital (leverage) ratio | 12.1259% | 1,843 |
| Tier 1 risk-based capital ratio | 15.6324% | 2,803 |
| Total risk-based capital ratio | 16.8291% | 2,757 |
| Memoranda: | ||
| Average total assets | $141,868,000 | 4,152 |
| Average earning assets | $132,049,500 | 4,105 |
| Average equity | $17,036,500 | 3,727 |
| Average total loans | $101,481,500 | 3,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9894% | 5,596 |
| Cost of funding earning assets | 3.0793% | 1,575 |
| Net interest margin | 2.9101% | 7,135 |
| Noninterest income to average assets | 0.2038% | 6,988 |
| Noninterest expense to average assets | 1.8812% | 7,646 |
| Loan and lease loss provision to assets | 0.1290% | 5,716 |
| Net operating income to assets | 0.6479% | 4,116 |
| Return on assets (ROA) | 0.7122% | 3,670 |
| Pretax return on assets | 1.0350% | 3,258 |
| Return on Equity (ROE) | 5.2350% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.2350% | 1,890 |
| Net charge-offs to loans | 0.0280% | 6,430 |
| Credit loss provision to net charge-offs | 620.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 51.4800% | 747 |
| Efficiency ratio | 63.7260% | 5,621 |
| Assets per employee ($millions) | 6.4739% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.8478% | 3,402 |
| Net loans and leases to deposits | 110.1597% | 822 |
| Net loans and leases to core deposits | 153.9172% | 717 |
| Total domestic deposits to total assets | 66.1292% | 7,653 |
| Equity capital to assets | 12.4345% | 2,043 |
| Core capital (leverage) ratio | 13.0242% | 1,531 |
| Tier 1 risk-based capital ratio | 16.1816% | 2,594 |
| Total risk-based capital ratio | 17.3531% | 2,562 |
| Memoranda: | ||
| Average total assets | $120,191,400 | 4,515 |
| Average earning assets | $113,501,400 | 4,435 |
| Average equity | $16,351,600 | 3,855 |
| Average total loans | $89,136,600 | 4,255 |