Home > SharePlus Bank > Performance and Condition Ratios
SharePlus Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 4,174 |
| Cost of funding earning assets | 0.5148% | 2,612 |
| Net interest margin | 3.3855% | 4,293 |
| Noninterest income to average assets | 0.7149% | 2,258 |
| Noninterest expense to average assets | 3.2225% | 2,112 |
| Loan and lease loss provision to assets | 0.0463% | 3,462 |
| Net operating income to assets | 0.4326% | 5,135 |
| Return on assets (ROA) | 0.5053% | 4,917 |
| Pretax return on assets | 0.7387% | 4,563 |
| Return on Equity (ROE) | 5.1910% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.4567% | 4,828 |
| Net charge-offs to loans | 0.1983% | 1,882 |
| Credit loss provision to net charge-offs | 31.7416% | 3,428 |
| Earnings coverage of net charge-offs (x) | 4.6517% | 3,406 |
| Efficiency ratio | 82.6160% | 1,533 |
| Assets per employee ($millions) | 5.2821% | 1,919 |
| Cash dividends to net income (ytd only)* | 52.6746% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 6,044 |
| Loan loss allowance to noncurrent loans | 50.3863% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 2,886 |
| Noncurrent loans to loans | 1.4445% | 2,257 |
| Net loans and leases to total assets | 71.4409% | 1,943 |
| Net loans and leases to deposits | 88.4265% | 1,619 |
| Net loans and leases to core deposits | 94.0075% | 1,860 |
| Total domestic deposits to total assets | 80.7912% | 4,880 |
| Equity capital to assets | 9.3320% | 5,001 |
| Core capital (leverage) ratio | 9.1405% | 4,870 |
| Tier 1 risk-based capital ratio | 12.6867% | 5,048 |
| Total risk-based capital ratio | 13.4138% | 5,307 |
| Memoranda: | ||
| Average total assets | $325,615,000 | 2,005 |
| Average earning assets | $306,398,250 | 1,971 |
| Average equity | $31,695,000 | 2,190 |
| Average total loans | $239,344,250 | 1,769 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 4,274 |
| Cost of funding earning assets | 0.5145% | 2,676 |
| Net interest margin | 3.3525% | 4,389 |
| Noninterest income to average assets | 0.7001% | 2,279 |
| Noninterest expense to average assets | 3.1489% | 2,334 |
| Loan and lease loss provision to assets | 0.1245% | 1,981 |
| Net operating income to assets | 0.3968% | 5,233 |
| Return on assets (ROA) | 0.4340% | 5,165 |
| Pretax return on assets | 0.6372% | 4,826 |
| Return on Equity (ROE) | 4.3927% | 4,977 |
| Retained earnings to average equity (ytd only) | 0.2546% | 5,616 |
| Net charge-offs to loans | 0.3032% | 1,332 |
| Credit loss provision to net charge-offs | 55.4622% | 2,709 |
| Earnings coverage of net charge-offs (x) | 3.1485% | 3,382 |
| Efficiency ratio | 81.6639% | 1,784 |
| Assets per employee ($millions) | 4.9260% | 2,307 |
| Cash dividends to net income (ytd only)* | 94.2029% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 6,088 |
| Loan loss allowance to noncurrent loans | 83.2970% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 3,752 |
| Noncurrent loans to loans | 0.9014% | 3,450 |
| Net loans and leases to total assets | 75.3737% | 1,254 |
| Net loans and leases to deposits | 93.3662% | 1,020 |
| Net loans and leases to core deposits | 98.8033% | 1,385 |
| Total domestic deposits to total assets | 80.7291% | 5,057 |
| Equity capital to assets | 9.5089% | 4,739 |
| Core capital (leverage) ratio | 9.6350% | 4,130 |
| Tier 1 risk-based capital ratio | 12.2577% | 5,379 |
| Total risk-based capital ratio | 13.0088% | 5,600 |
| Memoranda: | ||
| Average total assets | $317,947,670 | 2,055 |
| Average earning assets | $299,301,330 | 2,012 |
| Average equity | $31,415,670 | 2,194 |
| Average total loans | $235,498,670 | 1,786 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 4,280 |
| Cost of funding earning assets | 0.5356% | 2,547 |
| Net interest margin | 3.3177% | 4,465 |
| Noninterest income to average assets | 0.5882% | 2,803 |
| Noninterest expense to average assets | 3.2188% | 2,161 |
| Loan and lease loss provision to assets | 0.1797% | 1,341 |
| Net operating income to assets | 0.2185% | 5,750 |
| Return on assets (ROA) | 0.2185% | 5,802 |
| Pretax return on assets | 0.3128% | 5,687 |
| Return on Equity (ROE) | 2.1668% | 5,743 |
| Retained earnings to average equity (ytd only) | -2.3207% | 5,890 |
| Net charge-offs to loans | 0.0372% | 2,867 |
| Credit loss provision to net charge-offs | 661.9048% | 433 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,428 |
| Efficiency ratio | 86.7294% | 1,366 |
| Assets per employee ($millions) | 4.4410% | 3,070 |
| Cash dividends to net income (ytd only)* | 207.1006% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 5,697 |
| Loan loss allowance to noncurrent loans | 81.0000% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 3,445 |
| Noncurrent loans to loans | 1.1744% | 3,086 |
| Net loans and leases to total assets | 72.2225% | 1,545 |
| Net loans and leases to deposits | 83.0125% | 1,945 |
| Net loans and leases to core deposits | 86.8529% | 2,214 |
| Total domestic deposits to total assets | 87.0020% | 2,810 |
| Equity capital to assets | 9.9360% | 3,920 |
| Core capital (leverage) ratio | 9.8846% | 3,738 |
| Tier 1 risk-based capital ratio | 12.8287% | 5,106 |
| Total risk-based capital ratio | 13.7409% | 5,257 |
| Memoranda: | ||
| Average total assets | $309,436,000 | 2,114 |
| Average earning assets | $291,284,000 | 2,069 |
| Average equity | $31,197,500 | 2,204 |
| Average total loans | $226,053,000 | 1,854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 3,525 |
| Cost of funding earning assets | 0.5262% | 3,334 |
| Net interest margin | 3.6273% | 3,345 |
| Noninterest income to average assets | 0.9657% | 1,475 |
| Noninterest expense to average assets | 3.5447% | 1,557 |
| Loan and lease loss provision to assets | 0.0759% | 3,588 |
| Net operating income to assets | 0.5013% | 4,731 |
| Return on assets (ROA) | 0.5233% | 4,752 |
| Pretax return on assets | 0.7778% | 4,234 |
| Return on Equity (ROE) | 5.0142% | 4,625 |
| Retained earnings to average equity (ytd only) | 0.6889% | 5,525 |
| Net charge-offs to loans | 0.2525% | 2,457 |
| Credit loss provision to net charge-offs | 39.2734% | 4,060 |
| Earnings coverage of net charge-offs (x) | 4.2474% | 3,624 |
| Efficiency ratio | 81.1964% | 1,990 |
| Assets per employee ($millions) | 4.3995% | 3,090 |
| Cash dividends to net income (ytd only)* | 86.2620% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 5,818 |
| Loan loss allowance to noncurrent loans | 65.5784% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 3,279 |
| Noncurrent loans to loans | 1.4199% | 2,761 |
| Net loans and leases to total assets | 72.5141% | 1,596 |
| Net loans and leases to deposits | 83.8393% | 1,962 |
| Net loans and leases to core deposits | 87.9234% | 2,256 |
| Total domestic deposits to total assets | 86.4918% | 2,993 |
| Equity capital to assets | 10.2338% | 3,463 |
| Core capital (leverage) ratio | 10.0651% | 3,474 |
| Tier 1 risk-based capital ratio | 13.5762% | 4,592 |
| Total risk-based capital ratio | 14.4881% | 4,770 |
| Memoranda: | ||
| Average total assets | $299,064,200 | 2,151 |
| Average earning assets | $280,319,000 | 2,113 |
| Average equity | $31,211,200 | 2,176 |
| Average total loans | $228,894,000 | 1,792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,443 |
| Cost of funding earning assets | 0.5168% | 3,602 |
| Net interest margin | 3.6672% | 3,163 |
| Noninterest income to average assets | 1.0704% | 1,279 |
| Noninterest expense to average assets | 3.5751% | 1,445 |
| Loan and lease loss provision to assets | 0.1419% | 2,516 |
| Net operating income to assets | 0.5297% | 4,669 |
| Return on assets (ROA) | 0.5384% | 4,774 |
| Pretax return on assets | 0.7992% | 4,295 |
| Return on Equity (ROE) | 5.1331% | 4,657 |
| Retained earnings to average equity (ytd only) | -0.6273% | 6,068 |
| Net charge-offs to loans | 0.2874% | 2,097 |
| Credit loss provision to net charge-offs | 63.7827% | 3,210 |
| Earnings coverage of net charge-offs (x) | 4.1730% | 3,523 |
| Efficiency ratio | 79.3898% | 2,208 |
| Assets per employee ($millions) | 4.4866% | 2,904 |
| Cash dividends to net income (ytd only)* | 112.2198% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,719 |
| Loan loss allowance to noncurrent loans | 67.2471% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 3,370 |
| Noncurrent loans to loans | 1.4869% | 2,935 |
| Net loans and leases to total assets | 72.6963% | 1,502 |
| Net loans and leases to deposits | 84.0930% | 1,865 |
| Net loans and leases to core deposits | 87.8149% | 2,215 |
| Total domestic deposits to total assets | 86.4475% | 2,993 |
| Equity capital to assets | 10.1174% | 3,746 |
| Core capital (leverage) ratio | 9.9248% | 3,782 |
| Tier 1 risk-based capital ratio | 13.2535% | 4,936 |
| Total risk-based capital ratio | 14.2364% | 5,085 |
| Memoranda: | ||
| Average total assets | $297,939,500 | 2,167 |
| Average earning assets | $278,899,250 | 2,131 |
| Average equity | $31,247,500 | 2,191 |
| Average total loans | $230,568,750 | 1,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 3,153 |
| Cost of funding earning assets | 0.4963% | 3,935 |
| Net interest margin | 3.7541% | 2,747 |
| Noninterest income to average assets | 1.1612% | 1,132 |
| Noninterest expense to average assets | 3.7299% | 1,202 |
| Loan and lease loss provision to assets | 0.1184% | 2,845 |
| Net operating income to assets | 0.5586% | 4,509 |
| Return on assets (ROA) | 0.5650% | 4,647 |
| Pretax return on assets | 0.8337% | 4,183 |
| Return on Equity (ROE) | 5.3228% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.3228% | 2,854 |
| Net charge-offs to loans | 0.2140% | 2,481 |
| Credit loss provision to net charge-offs | 70.2811% | 2,818 |
| Earnings coverage of net charge-offs (x) | 5.5944% | 2,861 |
| Efficiency ratio | 79.8262% | 2,183 |
| Assets per employee ($millions) | 4.7465% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,805 |
| Loan loss allowance to noncurrent loans | 69.8630% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 3,382 |
| Noncurrent loans to loans | 1.4363% | 3,147 |
| Net loans and leases to total assets | 76.1921% | 965 |
| Net loans and leases to deposits | 88.3395% | 1,301 |
| Net loans and leases to core deposits | 91.7915% | 1,724 |
| Total domestic deposits to total assets | 86.2491% | 3,233 |
| Equity capital to assets | 10.4583% | 3,358 |
| Core capital (leverage) ratio | 10.2861% | 3,117 |
| Tier 1 risk-based capital ratio | 13.2359% | 4,969 |
| Total risk-based capital ratio | 14.2320% | 5,095 |
| Memoranda: | ||
| Average total assets | $295,557,000 | 2,190 |
| Average earning assets | $276,445,670 | 2,149 |
| Average equity | $31,374,330 | 2,191 |
| Average total loans | $232,749,330 | 1,770 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 2,946 |
| Cost of funding earning assets | 0.4832% | 4,257 |
| Net interest margin | 3.8026% | 2,442 |
| Noninterest income to average assets | 1.2668% | 954 |
| Noninterest expense to average assets | 3.8333% | 1,073 |
| Loan and lease loss provision to assets | 0.1029% | 2,960 |
| Net operating income to assets | 0.5915% | 4,260 |
| Return on assets (ROA) | 0.5915% | 4,405 |
| Pretax return on assets | 0.8729% | 3,860 |
| Return on Equity (ROE) | 5.5298% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.5298% | 2,937 |
| Net charge-offs to loans | 0.0155% | 3,844 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 472 |
| Efficiency ratio | 79.7089% | 2,376 |
| Assets per employee ($millions) | 4.4703% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 5,717 |
| Loan loss allowance to noncurrent loans | 38.1874% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.8132% | 1,610 |
| Noncurrent loans to loans | 2.8006% | 1,809 |
| Net loans and leases to total assets | 77.9433% | 616 |
| Net loans and leases to deposits | 90.6587% | 907 |
| Net loans and leases to core deposits | 93.3781% | 1,388 |
| Total domestic deposits to total assets | 85.9744% | 3,536 |
| Equity capital to assets | 10.6569% | 3,371 |
| Core capital (leverage) ratio | 10.5274% | 2,741 |
| Tier 1 risk-based capital ratio | 13.1413% | 5,112 |
| Total risk-based capital ratio | 14.1944% | 5,214 |
| Memoranda: | ||
| Average total assets | $291,447,000 | 2,245 |
| Average earning assets | $271,500,000 | 2,206 |
| Average equity | $31,176,500 | 2,228 |
| Average total loans | $232,224,000 | 1,777 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 3,117 |
| Cost of funding earning assets | 0.5672% | 4,671 |
| Net interest margin | 4.0043% | 2,375 |
| Noninterest income to average assets | 1.2641% | 979 |
| Noninterest expense to average assets | 3.9303% | 1,065 |
| Loan and lease loss provision to assets | 0.3634% | 1,816 |
| Net operating income to assets | 0.4833% | 4,751 |
| Return on assets (ROA) | 0.6540% | 4,235 |
| Pretax return on assets | 0.9314% | 3,804 |
| Return on Equity (ROE) | 6.1002% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.1002% | 2,018 |
| Net charge-offs to loans | 0.1552% | 4,151 |
| Credit loss provision to net charge-offs | 289.2045% | 843 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,425 |
| Efficiency ratio | 78.9021% | 2,293 |
| Assets per employee ($millions) | 4.2331% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,794 |
| Loan loss allowance to noncurrent loans | 30.3068% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 1,402 |
| Noncurrent loans to loans | 3.4418% | 1,457 |
| Net loans and leases to total assets | 79.7550% | 497 |
| Net loans and leases to deposits | 98.1505% | 498 |
| Net loans and leases to core deposits | 100.8217% | 977 |
| Total domestic deposits to total assets | 81.2579% | 5,325 |
| Equity capital to assets | 10.7384% | 3,233 |
| Core capital (leverage) ratio | 10.5927% | 2,664 |
| Tier 1 risk-based capital ratio | 14.4172% | 4,085 |
| Total risk-based capital ratio | 15.5632% | 4,116 |
| Memoranda: | ||
| Average total assets | $280,127,800 | 2,267 |
| Average earning assets | $260,046,000 | 2,242 |
| Average equity | $30,031,800 | 2,246 |
| Average total loans | $226,821,800 | 1,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 3,127 |
| Cost of funding earning assets | 0.5845% | 4,794 |
| Net interest margin | 4.0365% | 2,355 |
| Noninterest income to average assets | 1.2547% | 953 |
| Noninterest expense to average assets | 4.0325% | 899 |
| Loan and lease loss provision to assets | 0.4107% | 1,562 |
| Net operating income to assets | 0.3959% | 5,267 |
| Return on assets (ROA) | 0.6096% | 4,602 |
| Pretax return on assets | 0.8560% | 4,276 |
| Return on Equity (ROE) | 5.6889% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.6889% | 2,903 |
| Net charge-offs to loans | 0.1898% | 3,597 |
| Credit loss provision to net charge-offs | 266.9782% | 1,025 |
| Earnings coverage of net charge-offs (x) | 6.2772% | 2,822 |
| Efficiency ratio | 80.6789% | 1,990 |
| Assets per employee ($millions) | 4.3590% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,145 |
| Loan loss allowance to noncurrent loans | 27.4219% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 3.3154% | 1,534 |
| Noncurrent loans to loans | 3.5870% | 1,510 |
| Net loans and leases to total assets | 77.7726% | 760 |
| Net loans and leases to deposits | 96.4580% | 634 |
| Net loans and leases to core deposits | 99.6710% | 1,143 |
| Total domestic deposits to total assets | 80.6285% | 5,476 |
| Equity capital to assets | 10.2537% | 4,131 |
| Core capital (leverage) ratio | 10.1179% | 3,380 |
| Tier 1 risk-based capital ratio | 14.3567% | 4,293 |
| Total risk-based capital ratio | 15.4542% | 4,347 |
| Memoranda: | ||
| Average total assets | $278,196,250 | 2,310 |
| Average earning assets | $258,008,250 | 2,273 |
| Average equity | $29,812,000 | 2,279 |
| Average total loans | $225,527,750 | 1,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,900 |
| Cost of funding earning assets | 0.6082% | 4,833 |
| Net interest margin | 4.0960% | 2,113 |
| Noninterest income to average assets | 1.1847% | 1,014 |
| Noninterest expense to average assets | 4.1657% | 767 |
| Loan and lease loss provision to assets | 0.5159% | 1,220 |
| Net operating income to assets | 0.2212% | 5,853 |
| Return on assets (ROA) | 0.4932% | 5,102 |
| Pretax return on assets | 0.6622% | 4,938 |
| Return on Equity (ROE) | 4.5310% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.5310% | 3,590 |
| Net charge-offs to loans | 0.2420% | 3,124 |
| Credit loss provision to net charge-offs | 260.0000% | 1,108 |
| Earnings coverage of net charge-offs (x) | 4.0852% | 3,182 |
| Efficiency ratio | 83.7099% | 1,662 |
| Assets per employee ($millions) | 4.0377% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 6,334 |
| Loan loss allowance to noncurrent loans | 31.6628% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 3.2015% | 1,703 |
| Noncurrent loans to loans | 2.9938% | 1,978 |
| Net loans and leases to total assets | 84.4362% | 194 |
| Net loans and leases to deposits | 99.6271% | 436 |
| Net loans and leases to core deposits | 103.0827% | 910 |
| Total domestic deposits to total assets | 84.7523% | 3,971 |
| Equity capital to assets | 11.0159% | 3,096 |
| Core capital (leverage) ratio | 10.9638% | 2,337 |
| Tier 1 risk-based capital ratio | 15.2306% | 3,614 |
| Total risk-based capital ratio | 16.3531% | 3,666 |
| Memoranda: | ||
| Average total assets | $272,125,330 | 2,356 |
| Average earning assets | $251,905,000 | 2,340 |
| Average equity | $29,618,330 | 2,281 |
| Average total loans | $223,098,670 | 1,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 3,230 |
| Cost of funding earning assets | 0.6066% | 5,077 |
| Net interest margin | 4.0499% | 2,303 |
| Noninterest income to average assets | 1.0743% | 1,253 |
| Noninterest expense to average assets | 3.8897% | 1,080 |
| Loan and lease loss provision to assets | 0.7137% | 723 |
| Net operating income to assets | 0.1612% | 6,091 |
| Return on assets (ROA) | 0.5130% | 4,978 |
| Pretax return on assets | 0.6874% | 4,834 |
| Return on Equity (ROE) | 4.7414% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.7414% | 3,717 |
| Net charge-offs to loans | 0.3720% | 2,193 |
| Credit loss provision to net charge-offs | 238.7255% | 1,185 |
| Earnings coverage of net charge-offs (x) | 3.1176% | 2,956 |
| Efficiency ratio | 80.6687% | 2,124 |
| Assets per employee ($millions) | 4.2656% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,477 |
| Loan loss allowance to noncurrent loans | 38.4703% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 2.6810% | 2,202 |
| Noncurrent loans to loans | 2.4138% | 2,692 |
| Net loans and leases to total assets | 79.6062% | 445 |
| Net loans and leases to deposits | 93.6774% | 688 |
| Net loans and leases to core deposits | 97.6803% | 1,150 |
| Total domestic deposits to total assets | 84.9791% | 4,052 |
| Equity capital to assets | 10.8136% | 3,125 |
| Core capital (leverage) ratio | 10.7575% | 2,484 |
| Tier 1 risk-based capital ratio | 15.3654% | 3,521 |
| Total risk-based capital ratio | 16.4311% | 3,592 |
| Memoranda: | ||
| Average total assets | $272,925,000 | 2,362 |
| Average earning assets | $252,546,500 | 2,345 |
| Average equity | $29,527,000 | 2,290 |
| Average total loans | $219,344,000 | 1,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 4,261 |
| Cost of funding earning assets | 0.7570% | 5,159 |
| Net interest margin | 3.9403% | 3,156 |
| Noninterest income to average assets | 1.0365% | 1,266 |
| Noninterest expense to average assets | 3.7908% | 1,364 |
| Loan and lease loss provision to assets | 0.4989% | 2,109 |
| Net operating income to assets | 0.3302% | 5,148 |
| Return on assets (ROA) | 0.4430% | 4,885 |
| Pretax return on assets | 0.5630% | 4,803 |
| Return on Equity (ROE) | 3.9720% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.9720% | 3,371 |
| Net charge-offs to loans | 0.3664% | 3,571 |
| Credit loss provision to net charge-offs | 173.3244% | 1,523 |
| Earnings coverage of net charge-offs (x) | 3.1930% | 3,619 |
| Efficiency ratio | 80.4850% | 2,244 |
| Assets per employee ($millions) | 4.2633% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 6,739 |
| Loan loss allowance to noncurrent loans | 847.3430% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 5,154 |
| Noncurrent loans to loans | 0.0944% | 6,577 |
| Net loans and leases to total assets | 79.7406% | 523 |
| Net loans and leases to deposits | 101.2523% | 404 |
| Net loans and leases to core deposits | 105.8904% | 794 |
| Total domestic deposits to total assets | 78.7543% | 6,050 |
| Equity capital to assets | 10.8239% | 3,165 |
| Core capital (leverage) ratio | 10.7539% | 2,471 |
| Tier 1 risk-based capital ratio | 15.5525% | 3,291 |
| Total risk-based capital ratio | 16.4830% | 3,451 |
| Memoranda: | ||
| Average total assets | $259,152,000 | 2,433 |
| Average earning assets | $241,606,800 | 2,389 |
| Average equity | $28,902,400 | 2,280 |
| Average total loans | $203,582,200 | 2,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 4,595 |
| Cost of funding earning assets | 0.7887% | 5,224 |
| Net interest margin | 3.8809% | 3,476 |
| Noninterest income to average assets | 1.0803% | 1,149 |
| Noninterest expense to average assets | 3.8811% | 1,183 |
| Loan and lease loss provision to assets | 0.3415% | 2,837 |
| Net operating income to assets | 0.3612% | 5,156 |
| Return on assets (ROA) | 0.4854% | 4,797 |
| Pretax return on assets | 0.6533% | 4,633 |
| Return on Equity (ROE) | 4.3184% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.3184% | 3,654 |
| Net charge-offs to loans | 0.2351% | 3,955 |
| Credit loss provision to net charge-offs | 186.0795% | 1,577 |
| Earnings coverage of net charge-offs (x) | 4.5057% | 3,049 |
| Efficiency ratio | 82.4363% | 1,908 |
| Assets per employee ($millions) | 4.1065% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 6,926 |
| Loan loss allowance to noncurrent loans | 162.9989% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 4,385 |
| Noncurrent loans to loans | 0.4487% | 5,947 |
| Net loans and leases to total assets | 79.2791% | 585 |
| Net loans and leases to deposits | 96.3119% | 684 |
| Net loans and leases to core deposits | 101.2269% | 1,140 |
| Total domestic deposits to total assets | 82.3149% | 4,970 |
| Equity capital to assets | 11.3065% | 2,862 |
| Core capital (leverage) ratio | 11.2660% | 2,181 |
| Tier 1 risk-based capital ratio | 16.5288% | 2,848 |
| Total risk-based capital ratio | 17.3861% | 3,013 |
| Memoranda: | ||
| Average total assets | $255,727,250 | 2,476 |
| Average earning assets | $239,045,750 | 2,416 |
| Average equity | $28,744,750 | 2,287 |
| Average total loans | $199,646,000 | 2,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 4,839 |
| Cost of funding earning assets | 0.7927% | 5,427 |
| Net interest margin | 3.8386% | 3,591 |
| Noninterest income to average assets | 1.0207% | 1,271 |
| Noninterest expense to average assets | 3.8911% | 1,210 |
| Loan and lease loss provision to assets | 0.2803% | 3,138 |
| Net operating income to assets | 0.3239% | 5,275 |
| Return on assets (ROA) | 0.4381% | 4,912 |
| Pretax return on assets | 0.6085% | 4,722 |
| Return on Equity (ROE) | 3.9054% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.9054% | 3,710 |
| Net charge-offs to loans | 0.2017% | 3,939 |
| Credit loss provision to net charge-offs | 179.3970% | 1,684 |
| Earnings coverage of net charge-offs (x) | 4.6734% | 2,805 |
| Efficiency ratio | 84.1998% | 1,794 |
| Assets per employee ($millions) | 3.9701% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 7,038 |
| Loan loss allowance to noncurrent loans | 37.6552% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.0331% | 3,189 |
| Noncurrent loans to loans | 1.8153% | 3,730 |
| Net loans and leases to total assets | 74.5594% | 1,312 |
| Net loans and leases to deposits | 90.6381% | 1,203 |
| Net loans and leases to core deposits | 94.6416% | 1,831 |
| Total domestic deposits to total assets | 82.2605% | 5,077 |
| Equity capital to assets | 10.8301% | 3,152 |
| Core capital (leverage) ratio | 10.8019% | 2,418 |
| Tier 1 risk-based capital ratio | 16.5400% | 2,721 |
| Total risk-based capital ratio | 17.3260% | 2,912 |
| Memoranda: | ||
| Average total assets | $254,733,000 | 2,499 |
| Average earning assets | $238,941,670 | 2,433 |
| Average equity | $28,576,000 | 2,278 |
| Average total loans | $197,323,330 | 2,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 4,454 |
| Cost of funding earning assets | 0.7822% | 5,656 |
| Net interest margin | 3.9332% | 2,985 |
| Noninterest income to average assets | 1.0149% | 1,283 |
| Noninterest expense to average assets | 4.0129% | 1,019 |
| Loan and lease loss provision to assets | 0.1622% | 4,007 |
| Net operating income to assets | 0.3872% | 5,005 |
| Return on assets (ROA) | 0.4191% | 4,949 |
| Pretax return on assets | 0.5909% | 4,721 |
| Return on Equity (ROE) | 3.6683% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.6683% | 3,972 |
| Net charge-offs to loans | -0.0816% | 7,025 |
| Credit loss provision to net charge-offs | -252.5000% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 1,843 |
| Assets per employee ($millions) | 4.0520% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 7,090 |
| Loan loss allowance to noncurrent loans | 63.7825% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 3,959 |
| Noncurrent loans to loans | 1.0770% | 4,896 |
| Net loans and leases to total assets | 75.2064% | 1,147 |
| Net loans and leases to deposits | 91.7149% | 1,046 |
| Net loans and leases to core deposits | 94.5976% | 1,818 |
| Total domestic deposits to total assets | 82.0002% | 5,316 |
| Equity capital to assets | 11.0390% | 2,647 |
| Core capital (leverage) ratio | 10.9639% | 2,222 |
| Tier 1 risk-based capital ratio | 16.2635% | 2,777 |
| Total risk-based capital ratio | 17.0358% | 2,965 |
| Memoranda: | ||
| Average total assets | $249,099,500 | 2,580 |
| Average earning assets | $234,718,500 | 2,498 |
| Average equity | $28,460,000 | 2,274 |
| Average total loans | $196,138,500 | 2,143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 5,130 |
| Cost of funding earning assets | 0.9965% | 5,716 |
| Net interest margin | 3.8807% | 3,587 |
| Noninterest income to average assets | 1.1588% | 1,097 |
| Noninterest expense to average assets | 3.9022% | 1,313 |
| Loan and lease loss provision to assets | 0.6436% | 2,561 |
| Net operating income to assets | 0.1686% | 5,377 |
| Return on assets (ROA) | 0.2386% | 5,294 |
| Pretax return on assets | 0.3784% | 5,009 |
| Return on Equity (ROE) | 2.7676% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.7676% | 3,918 |
| Net charge-offs to loans | 0.5106% | 3,573 |
| Credit loss provision to net charge-offs | 160.4857% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.2759% | 4,018 |
| Efficiency ratio | 81.0443% | 2,285 |
| Assets per employee ($millions) | 3.7917% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 7,243 |
| Loan loss allowance to noncurrent loans | 27.1358% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 3,537 |
| Noncurrent loans to loans | 2.2706% | 3,253 |
| Net loans and leases to total assets | 81.5041% | 489 |
| Net loans and leases to deposits | 101.2307% | 518 |
| Net loans and leases to core deposits | 104.5214% | 1,279 |
| Total domestic deposits to total assets | 80.5132% | 5,682 |
| Equity capital to assets | 11.8443% | 2,011 |
| Core capital (leverage) ratio | 11.7838% | 1,681 |
| Tier 1 risk-based capital ratio | 17.6974% | 2,089 |
| Total risk-based capital ratio | 18.4568% | 2,235 |
| Memoranda: | ||
| Average total assets | $225,925,800 | 2,803 |
| Average earning assets | $212,847,800 | 2,717 |
| Average equity | $19,475,200 | 3,216 |
| Average total loans | $177,432,000 | 2,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 5,175 |
| Cost of funding earning assets | 1.0431% | 5,726 |
| Net interest margin | 3.8765% | 3,632 |
| Noninterest income to average assets | 1.0717% | 1,248 |
| Noninterest expense to average assets | 3.8175% | 1,349 |
| Loan and lease loss provision to assets | 0.7795% | 1,956 |
| Net operating income to assets | 0.0729% | 5,834 |
| Return on assets (ROA) | 0.1227% | 5,873 |
| Pretax return on assets | 0.1892% | 5,755 |
| Return on Equity (ROE) | 1.5826% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.5826% | 5,161 |
| Net charge-offs to loans | 0.6843% | 2,714 |
| Credit loss provision to net charge-offs | 146.7869% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.6798% | 4,445 |
| Efficiency ratio | 81.0577% | 2,196 |
| Assets per employee ($millions) | 3.7719% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 7,370 |
| Loan loss allowance to noncurrent loans | 33.5938% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 4,434 |
| Noncurrent loans to loans | 1.7390% | 4,034 |
| Net loans and leases to total assets | 78.2263% | 999 |
| Net loans and leases to deposits | 91.9267% | 1,462 |
| Net loans and leases to core deposits | 94.6849% | 2,426 |
| Total domestic deposits to total assets | 85.0963% | 3,573 |
| Equity capital to assets | 7.5072% | 7,124 |
| Core capital (leverage) ratio | 7.3967% | 6,943 |
| Tier 1 risk-based capital ratio | 12.1107% | 5,355 |
| Total risk-based capital ratio | 12.8642% | 5,803 |
| Memoranda: | ||
| Average total assets | $222,688,750 | 2,874 |
| Average earning assets | $208,982,500 | 2,803 |
| Average equity | $17,270,750 | 3,596 |
| Average total loans | $172,815,250 | 2,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 5,112 |
| Cost of funding earning assets | 1.0834% | 5,768 |
| Net interest margin | 3.8805% | 3,531 |
| Noninterest income to average assets | 0.9408% | 1,540 |
| Noninterest expense to average assets | 3.7038% | 1,552 |
| Loan and lease loss provision to assets | 1.0668% | 1,356 |
| Net operating income to assets | -0.1132% | 6,251 |
| Return on assets (ROA) | -0.0384% | 6,223 |
| Pretax return on assets | -0.0749% | 6,222 |
| Return on Equity (ROE) | -0.4891% | 6,249 |
| Retained earnings to average equity (ytd only) | -0.4891% | 5,842 |
| Net charge-offs to loans | 0.9605% | 1,922 |
| Credit loss provision to net charge-offs | 143.8424% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 4,618 |
| Efficiency ratio | 80.8897% | 2,314 |
| Assets per employee ($millions) | 3.6935% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 7,401 |
| Loan loss allowance to noncurrent loans | 20.2149% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 3,172 |
| Noncurrent loans to loans | 3.0129% | 2,669 |
| Net loans and leases to total assets | 74.8150% | 1,733 |
| Net loans and leases to deposits | 88.4960% | 2,092 |
| Net loans and leases to core deposits | 91.2257% | 3,090 |
| Total domestic deposits to total assets | 84.5405% | 3,849 |
| Equity capital to assets | 7.7879% | 6,940 |
| Core capital (leverage) ratio | 7.6938% | 6,616 |
| Tier 1 risk-based capital ratio | 12.8088% | 4,596 |
| Total risk-based capital ratio | 13.5728% | 4,995 |
| Memoranda: | ||
| Average total assets | $218,966,670 | 2,951 |
| Average earning assets | $205,283,670 | 2,873 |
| Average equity | $17,175,670 | 3,605 |
| Average total loans | $169,083,330 | 2,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 4,732 |
| Cost of funding earning assets | 1.1065% | 5,874 |
| Net interest margin | 3.9537% | 3,083 |
| Noninterest income to average assets | 0.9465% | 1,462 |
| Noninterest expense to average assets | 3.6684% | 1,577 |
| Loan and lease loss provision to assets | 1.9849% | 560 |
| Net operating income to assets | -0.5936% | 6,892 |
| Return on assets (ROA) | -0.5936% | 6,926 |
| Pretax return on assets | -0.9833% | 7,041 |
| Return on Equity (ROE) | -7.5406% | 7,032 |
| Retained earnings to average equity (ytd only) | -7.5406% | 6,792 |
| Net charge-offs to loans | 1.6849% | 1,026 |
| Credit loss provision to net charge-offs | 150.6276% | 2,366 |
| Earnings coverage of net charge-offs (x) | 0.7601% | 4,350 |
| Efficiency ratio | 78.5518% | 2,804 |
| Assets per employee ($millions) | 3.8506% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 7,489 |
| Loan loss allowance to noncurrent loans | 22.1836% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 2.0279% | 3,469 |
| Noncurrent loans to loans | 2.7382% | 2,914 |
| Net loans and leases to total assets | 73.6096% | 2,054 |
| Net loans and leases to deposits | 86.5477% | 2,493 |
| Net loans and leases to core deposits | 89.2112% | 3,470 |
| Total domestic deposits to total assets | 85.0509% | 3,651 |
| Equity capital to assets | 7.4860% | 7,083 |
| Core capital (leverage) ratio | 7.3820% | 6,952 |
| Tier 1 risk-based capital ratio | 12.4793% | 4,775 |
| Total risk-based capital ratio | 13.2407% | 5,166 |
| Memoranda: | ||
| Average total assets | $217,644,000 | 3,020 |
| Average earning assets | $204,971,000 | 2,928 |
| Average equity | $17,134,000 | 3,630 |
| Average total loans | $170,217,500 | 2,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 3,978 |
| Cost of funding earning assets | 1.4313% | 5,800 |
| Net interest margin | 4.1015% | 2,439 |
| Noninterest income to average assets | 1.1030% | 1,261 |
| Noninterest expense to average assets | 4.2248% | 1,061 |
| Loan and lease loss provision to assets | 0.3283% | 4,845 |
| Net operating income to assets | 0.2305% | 4,799 |
| Return on assets (ROA) | 0.2408% | 4,838 |
| Pretax return on assets | 0.4181% | 4,445 |
| Return on Equity (ROE) | 2.8960% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.8960% | 3,149 |
| Net charge-offs to loans | 0.2080% | 5,330 |
| Credit loss provision to net charge-offs | 192.5501% | 2,064 |
| Earnings coverage of net charge-offs (x) | 4.2837% | 3,001 |
| Efficiency ratio | 85.2622% | 2,194 |
| Assets per employee ($millions) | 3.5272% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3833% | 7,773 |
| Loan loss allowance to noncurrent loans | 149.6599% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 6,939 |
| Noncurrent loans to loans | 0.2561% | 6,784 |
| Net loans and leases to total assets | 82.4222% | 626 |
| Net loans and leases to deposits | 98.7677% | 1,027 |
| Net loans and leases to core deposits | 115.7477% | 2,346 |
| Total domestic deposits to total assets | 83.4505% | 4,305 |
| Equity capital to assets | 8.2945% | 6,204 |
| Core capital (leverage) ratio | 8.2124% | 5,789 |
| Tier 1 risk-based capital ratio | 11.9907% | 4,954 |
| Total risk-based capital ratio | 12.4542% | 5,667 |
| Memoranda: | ||
| Average total assets | $204,717,400 | 3,125 |
| Average earning assets | $192,271,200 | 3,069 |
| Average equity | $17,023,400 | 3,667 |
| Average total loans | $167,774,400 | 2,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 4,334 |
| Cost of funding earning assets | 1.4867% | 5,875 |
| Net interest margin | 4.0298% | 2,682 |
| Noninterest income to average assets | 1.1098% | 1,279 |
| Noninterest expense to average assets | 4.2124% | 1,019 |
| Loan and lease loss provision to assets | 0.3172% | 4,443 |
| Net operating income to assets | 0.2152% | 5,101 |
| Return on assets (ROA) | 0.2165% | 5,183 |
| Pretax return on assets | 0.3669% | 4,887 |
| Return on Equity (ROE) | 2.6015% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.6015% | 3,864 |
| Net charge-offs to loans | 0.2768% | 4,312 |
| Credit loss provision to net charge-offs | 140.1734% | 3,513 |
| Earnings coverage of net charge-offs (x) | 3.0145% | 3,727 |
| Efficiency ratio | 86.0636% | 2,062 |
| Assets per employee ($millions) | 3.3935% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2819% | 7,915 |
| Loan loss allowance to noncurrent loans | 31.8821% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 5,471 |
| Noncurrent loans to loans | 0.8841% | 5,521 |
| Net loans and leases to total assets | 81.3508% | 925 |
| Net loans and leases to deposits | 97.7870% | 1,352 |
| Net loans and leases to core deposits | 115.9160% | 2,634 |
| Total domestic deposits to total assets | 83.1919% | 4,125 |
| Equity capital to assets | 8.3009% | 6,504 |
| Core capital (leverage) ratio | 8.2264% | 5,970 |
| Tier 1 risk-based capital ratio | 11.9369% | 5,029 |
| Total risk-based capital ratio | 12.2709% | 5,896 |
| Memoranda: | ||
| Average total assets | $203,871,000 | 3,160 |
| Average earning assets | $191,469,250 | 3,096 |
| Average equity | $16,964,000 | 3,707 |
| Average total loans | $166,672,250 | 2,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 4,543 |
| Cost of funding earning assets | 1.5523% | 5,916 |
| Net interest margin | 3.9623% | 2,854 |
| Noninterest income to average assets | 1.1813% | 1,117 |
| Noninterest expense to average assets | 4.3002% | 945 |
| Loan and lease loss provision to assets | 0.1952% | 5,106 |
| Net operating income to assets | 0.2446% | 5,108 |
| Return on assets (ROA) | 0.2465% | 5,198 |
| Pretax return on assets | 0.4063% | 4,914 |
| Return on Equity (ROE) | 2.9602% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.9602% | 3,674 |
| Net charge-offs to loans | 0.1133% | 5,028 |
| Credit loss provision to net charge-offs | 210.6383% | 2,176 |
| Earnings coverage of net charge-offs (x) | 6.4574% | 2,616 |
| Efficiency ratio | 87.7818% | 2,042 |
| Assets per employee ($millions) | 3.4950% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2671% | 8,018 |
| Loan loss allowance to noncurrent loans | 68.4292% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 6,684 |
| Noncurrent loans to loans | 0.3903% | 6,533 |
| Net loans and leases to total assets | 79.6828% | 1,365 |
| Net loans and leases to deposits | 95.8350% | 1,822 |
| Net loans and leases to core deposits | 111.6752% | 3,183 |
| Total domestic deposits to total assets | 83.1459% | 4,171 |
| Equity capital to assets | 8.2263% | 6,451 |
| Core capital (leverage) ratio | 8.2134% | 5,962 |
| Tier 1 risk-based capital ratio | 11.9567% | 4,956 |
| Total risk-based capital ratio | 12.2673% | 5,784 |
| Memoranda: | ||
| Average total assets | $202,827,670 | 3,193 |
| Average earning assets | $190,293,000 | 3,134 |
| Average equity | $16,891,000 | 3,735 |
| Average total loans | $165,938,670 | 2,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 4,468 |
| Cost of funding earning assets | 1.6294% | 5,905 |
| Net interest margin | 3.9505% | 2,849 |
| Noninterest income to average assets | 1.0480% | 1,356 |
| Noninterest expense to average assets | 4.0569% | 1,118 |
| Loan and lease loss provision to assets | 0.2705% | 3,796 |
| Net operating income to assets | 0.2627% | 5,425 |
| Return on assets (ROA) | 0.2665% | 5,580 |
| Pretax return on assets | 0.4296% | 5,314 |
| Return on Equity (ROE) | 3.1801% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.1801% | 4,104 |
| Net charge-offs to loans | 0.2234% | 3,301 |
| Credit loss provision to net charge-offs | 146.2366% | 2,835 |
| Earnings coverage of net charge-offs (x) | 3.7527% | 3,075 |
| Efficiency ratio | 85.3914% | 2,142 |
| Assets per employee ($millions) | 3.4635% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2451% | 8,073 |
| Loan loss allowance to noncurrent loans | 97.1631% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,695 |
| Noncurrent loans to loans | 0.2522% | 6,816 |
| Net loans and leases to total assets | 79.1815% | 1,541 |
| Net loans and leases to deposits | 97.1261% | 1,785 |
| Net loans and leases to core deposits | 112.6524% | 3,150 |
| Total domestic deposits to total assets | 81.5245% | 4,737 |
| Equity capital to assets | 8.0161% | 6,780 |
| Core capital (leverage) ratio | 7.9647% | 6,522 |
| Tier 1 risk-based capital ratio | 12.2979% | 4,709 |
| Total risk-based capital ratio | 12.5984% | 5,454 |
| Memoranda: | ||
| Average total assets | $201,139,000 | 3,223 |
| Average earning assets | $188,532,000 | 3,178 |
| Average equity | $16,855,000 | 3,755 |
| Average total loans | $166,533,000 | 2,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8089% | 6,396 |
| Cost of funding earning assets | 1.8511% | 6,867 |
| Net interest margin | 3.9578% | 3,322 |
| Noninterest income to average assets | 1.1718% | 1,125 |
| Noninterest expense to average assets | 4.6667% | 787 |
| Loan and lease loss provision to assets | 0.1722% | 5,182 |
| Net operating income to assets | -0.0367% | 6,418 |
| Return on assets (ROA) | 0.0162% | 6,182 |
| Pretax return on assets | 0.0794% | 5,990 |
| Return on Equity (ROE) | 0.1746% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.1746% | 5,127 |
| Net charge-offs to loans | 0.1725% | 4,476 |
| Credit loss provision to net charge-offs | 120.7843% | 4,447 |
| Earnings coverage of net charge-offs (x) | 1.1843% | 5,533 |
| Efficiency ratio | 96.5083% | 1,124 |
| Assets per employee ($millions) | 3.0318% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2371% | 8,134 |
| Loan loss allowance to noncurrent loans | 64.2623% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,327 |
| Noncurrent loans to loans | 0.3689% | 6,256 |
| Net loans and leases to total assets | 86.3715% | 558 |
| Net loans and leases to deposits | 115.7429% | 537 |
| Net loans and leases to core deposits | 128.9214% | 1,937 |
| Total domestic deposits to total assets | 74.6236% | 6,535 |
| Equity capital to assets | 8.7820% | 5,684 |
| Core capital (leverage) ratio | 8.7390% | 5,133 |
| Tier 1 risk-based capital ratio | 12.2842% | 4,596 |
| Total risk-based capital ratio | 12.5728% | 5,317 |
| Memoranda: | ||
| Average total assets | $178,864,800 | 3,420 |
| Average earning assets | $165,573,000 | 3,397 |
| Average equity | $16,606,600 | 3,806 |
| Average total loans | $147,786,000 | 2,967 |