Home > Simmons First Bank of Eldorado > Performance and Condition Ratios
Simmons First Bank of Eldorado, 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 | 2.6727% | 6,412 |
| Cost of funding earning assets | 0.1573% | 6,218 |
| Net interest margin | 2.5154% | 6,258 |
| Noninterest income to average assets | 0.9382% | 1,372 |
| Noninterest expense to average assets | 2.0282% | 5,778 |
| Loan and lease loss provision to assets | 0.2236% | 1,033 |
| Net operating income to assets | 0.7730% | 3,455 |
| Return on assets (ROA) | 0.7730% | 3,555 |
| Pretax return on assets | 0.9265% | 3,778 |
| Return on Equity (ROE) | 9.2392% | 2,482 |
| Retained earnings to average equity (ytd only) | 2.6934% | 4,491 |
| Net charge-offs to loans | 0.5072% | 802 |
| Credit loss provision to net charge-offs | 122.6601% | 1,696 |
| Earnings coverage of net charge-offs (x) | 6.3103% | 2,791 |
| Efficiency ratio | 63.8136% | 4,722 |
| Assets per employee ($millions) | 6.7963% | 876 |
| Cash dividends to net income (ytd only)* | 70.8479% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 1,576 |
| Loan loss allowance to noncurrent loans | 161.3108% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,162 |
| Noncurrent loans to loans | 1.1809% | 2,869 |
| Net loans and leases to total assets | 34.0066% | 6,142 |
| Net loans and leases to deposits | 39.2178% | 6,180 |
| Net loans and leases to core deposits | 39.6486% | 6,231 |
| Total domestic deposits to total assets | 86.7120% | 2,623 |
| Equity capital to assets | 8.1546% | 6,060 |
| Core capital (leverage) ratio | 8.4816% | 5,648 |
| Tier 1 risk-based capital ratio | 17.6839% | 2,360 |
| Total risk-based capital ratio | 18.9344% | 2,326 |
| Memoranda: | ||
| Average total assets | $222,764,330 | 2,790 |
| Average earning assets | $198,376,670 | 2,854 |
| Average equity | $18,638,000 | 3,336 |
| Average total loans | $80,043,330 | 3,908 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7101% | 6,457 |
| Cost of funding earning assets | 0.1620% | 6,284 |
| Net interest margin | 2.5482% | 6,289 |
| Noninterest income to average assets | 0.9057% | 1,374 |
| Noninterest expense to average assets | 2.1152% | 5,655 |
| Loan and lease loss provision to assets | 0.1940% | 1,215 |
| Net operating income to assets | 0.7484% | 3,427 |
| Return on assets (ROA) | 0.7484% | 3,508 |
| Pretax return on assets | 0.8710% | 3,822 |
| Return on Equity (ROE) | 8.8263% | 2,540 |
| Retained earnings to average equity (ytd only) | 2.8486% | 4,384 |
| Net charge-offs to loans | -0.0100% | 5,046 |
| Credit loss provision to net charge-offs | -5,300.0000% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5132% | 4,445 |
| Assets per employee ($millions) | 6.0151% | 1,293 |
| Cash dividends to net income (ytd only)* | 67.7262% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 1,507 |
| Loan loss allowance to noncurrent loans | 84.3335% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 3,612 |
| Noncurrent loans to loans | 2.3792% | 1,477 |
| Net loans and leases to total assets | 34.8469% | 6,129 |
| Net loans and leases to deposits | 40.4486% | 6,158 |
| Net loans and leases to core deposits | 40.8586% | 6,205 |
| Total domestic deposits to total assets | 86.1511% | 3,278 |
| Equity capital to assets | 8.3780% | 5,761 |
| Core capital (leverage) ratio | 8.7050% | 5,372 |
| Tier 1 risk-based capital ratio | 18.1317% | 2,238 |
| Total risk-based capital ratio | 19.3856% | 2,212 |
| Memoranda: | ||
| Average total assets | $218,610,000 | 2,844 |
| Average earning assets | $195,118,500 | 2,903 |
| Average equity | $18,535,500 | 3,348 |
| Average total loans | $80,012,000 | 3,931 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9262% | 6,403 |
| Cost of funding earning assets | 0.1937% | 6,320 |
| Net interest margin | 2.7325% | 6,098 |
| Noninterest income to average assets | 1.0491% | 1,277 |
| Noninterest expense to average assets | 2.3546% | 5,218 |
| Loan and lease loss provision to assets | 0.2486% | 1,452 |
| Net operating income to assets | 0.7540% | 3,524 |
| Return on assets (ROA) | 0.7540% | 3,618 |
| Pretax return on assets | 0.8617% | 3,910 |
| Return on Equity (ROE) | 8.9065% | 2,592 |
| Retained earnings to average equity (ytd only) | 2.2620% | 4,637 |
| Net charge-offs to loans | 0.1579% | 3,223 |
| Credit loss provision to net charge-offs | 435.4839% | 521 |
| Earnings coverage of net charge-offs (x) | 19.4516% | 1,604 |
| Efficiency ratio | 67.9554% | 4,209 |
| Assets per employee ($millions) | 5.8016% | 1,404 |
| Cash dividends to net income (ytd only)* | 74.6032% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,975 |
| Loan loss allowance to noncurrent loans | 91.2454% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,995 |
| Noncurrent loans to loans | 2.0054% | 1,985 |
| Net loans and leases to total assets | 36.9890% | 6,160 |
| Net loans and leases to deposits | 43.1234% | 6,167 |
| Net loans and leases to core deposits | 43.5798% | 6,246 |
| Total domestic deposits to total assets | 85.7748% | 3,374 |
| Equity capital to assets | 8.5833% | 5,489 |
| Core capital (leverage) ratio | 8.8545% | 5,208 |
| Tier 1 risk-based capital ratio | 17.8979% | 2,275 |
| Total risk-based capital ratio | 19.1510% | 2,236 |
| Memoranda: | ||
| Average total assets | $217,233,400 | 2,835 |
| Average earning assets | $192,059,200 | 2,929 |
| Average equity | $18,391,000 | 3,355 |
| Average total loans | $78,535,000 | 3,989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9477% | 6,470 |
| Cost of funding earning assets | 0.1990% | 6,403 |
| Net interest margin | 2.7487% | 6,092 |
| Noninterest income to average assets | 1.0373% | 1,353 |
| Noninterest expense to average assets | 2.3591% | 5,154 |
| Loan and lease loss provision to assets | 0.2429% | 1,476 |
| Net operating income to assets | 0.7515% | 3,594 |
| Return on assets (ROA) | 0.7515% | 3,720 |
| Pretax return on assets | 0.8616% | 4,043 |
| Return on Equity (ROE) | 8.9068% | 2,680 |
| Retained earnings to average equity (ytd only) | 1.8931% | 5,182 |
| Net charge-offs to loans | 0.0205% | 4,723 |
| Credit loss provision to net charge-offs | 3,308.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 150.4131% | 368 |
| Efficiency ratio | 68.1095% | 4,078 |
| Assets per employee ($millions) | 5.3300% | 1,815 |
| Cash dividends to net income (ytd only)* | 78.7460% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,234 |
| Loan loss allowance to noncurrent loans | 80.8594% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 4,015 |
| Noncurrent loans to loans | 2.2528% | 1,952 |
| Net loans and leases to total assets | 36.6313% | 6,248 |
| Net loans and leases to deposits | 42.8822% | 6,268 |
| Net loans and leases to core deposits | 43.5244% | 6,324 |
| Total domestic deposits to total assets | 85.4231% | 3,533 |
| Equity capital to assets | 8.5947% | 5,628 |
| Core capital (leverage) ratio | 8.7269% | 5,494 |
| Tier 1 risk-based capital ratio | 18.0882% | 2,290 |
| Total risk-based capital ratio | 19.3410% | 2,255 |
| Memoranda: | ||
| Average total assets | $217,876,500 | 2,857 |
| Average earning assets | $192,328,250 | 2,945 |
| Average equity | $18,382,500 | 3,390 |
| Average total loans | $77,948,500 | 4,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9347% | 6,505 |
| Cost of funding earning assets | 0.2039% | 6,455 |
| Net interest margin | 2.7308% | 6,129 |
| Noninterest income to average assets | 1.0263% | 1,447 |
| Noninterest expense to average assets | 2.2685% | 5,452 |
| Loan and lease loss provision to assets | 0.2324% | 1,607 |
| Net operating income to assets | 0.8021% | 3,288 |
| Return on assets (ROA) | 0.8021% | 3,438 |
| Pretax return on assets | 0.9424% | 3,740 |
| Return on Equity (ROE) | 9.5642% | 2,389 |
| Retained earnings to average equity (ytd only) | 2.5432% | 4,679 |
| Net charge-offs to loans | -0.0620% | 6,342 |
| Credit loss provision to net charge-offs | -1,062.5000% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8814% | 4,569 |
| Assets per employee ($millions) | 4.8654% | 2,277 |
| Cash dividends to net income (ytd only)* | 73.4091% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 2,667 |
| Loan loss allowance to noncurrent loans | 64.6917% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 3,832 |
| Noncurrent loans to loans | 2.6750% | 1,706 |
| Net loans and leases to total assets | 35.6246% | 6,321 |
| Net loans and leases to deposits | 41.6459% | 6,343 |
| Net loans and leases to core deposits | 42.6709% | 6,379 |
| Total domestic deposits to total assets | 85.5417% | 3,621 |
| Equity capital to assets | 8.5418% | 5,729 |
| Core capital (leverage) ratio | 8.6458% | 5,489 |
| Tier 1 risk-based capital ratio | 18.2217% | 2,234 |
| Total risk-based capital ratio | 19.4708% | 2,198 |
| Memoranda: | ||
| Average total assets | $219,435,330 | 2,849 |
| Average earning assets | $194,227,000 | 2,939 |
| Average equity | $18,402,000 | 3,408 |
| Average total loans | $77,415,670 | 4,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9793% | 6,536 |
| Cost of funding earning assets | 0.2093% | 6,531 |
| Net interest margin | 2.7699% | 6,091 |
| Noninterest income to average assets | 1.0085% | 1,441 |
| Noninterest expense to average assets | 2.2385% | 5,590 |
| Loan and lease loss provision to assets | 0.2161% | 1,717 |
| Net operating income to assets | 0.8392% | 2,952 |
| Return on assets (ROA) | 0.8392% | 3,095 |
| Pretax return on assets | 1.0085% | 3,307 |
| Return on Equity (ROE) | 10.0975% | 2,025 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,491 |
| Net charge-offs to loans | -0.2121% | 6,695 |
| Credit loss provision to net charge-offs | -292.6829% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6386% | 4,897 |
| Assets per employee ($millions) | 4.7835% | 2,515 |
| Cash dividends to net income (ytd only)* | 70.3863% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,374 |
| Loan loss allowance to noncurrent loans | 60.0490% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 4,075 |
| Noncurrent loans to loans | 2.6757% | 1,915 |
| Net loans and leases to total assets | 34.0924% | 6,414 |
| Net loans and leases to deposits | 39.7826% | 6,429 |
| Net loans and leases to core deposits | 40.6765% | 6,458 |
| Total domestic deposits to total assets | 85.6969% | 3,680 |
| Equity capital to assets | 8.4143% | 6,088 |
| Core capital (leverage) ratio | 8.5070% | 5,582 |
| Tier 1 risk-based capital ratio | 18.4607% | 2,207 |
| Total risk-based capital ratio | 19.7109% | 2,175 |
| Memoranda: | ||
| Average total assets | $222,114,500 | 2,848 |
| Average earning assets | $196,827,500 | 2,936 |
| Average equity | $18,460,000 | 3,458 |
| Average total loans | $77,320,000 | 4,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2662% | 6,613 |
| Cost of funding earning assets | 0.3477% | 6,231 |
| Net interest margin | 2.9185% | 6,191 |
| Noninterest income to average assets | 0.9577% | 1,675 |
| Noninterest expense to average assets | 2.1326% | 6,059 |
| Loan and lease loss provision to assets | 0.2663% | 2,514 |
| Net operating income to assets | 0.9699% | 2,463 |
| Return on assets (ROA) | 0.9699% | 2,694 |
| Pretax return on assets | 1.1649% | 2,927 |
| Return on Equity (ROE) | 10.2062% | 2,087 |
| Retained earnings to average equity (ytd only) | -17.8402% | 6,814 |
| Net charge-offs to loans | 1.2622% | 780 |
| Credit loss provision to net charge-offs | 59.2412% | 4,469 |
| Earnings coverage of net charge-offs (x) | 3.1839% | 3,844 |
| Efficiency ratio | 59.8405% | 5,566 |
| Assets per employee ($millions) | 4.9819% | 2,251 |
| Cash dividends to net income (ytd only)* | 274.7971% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,367 |
| Loan loss allowance to noncurrent loans | 56.5657% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 4,373 |
| Noncurrent loans to loans | 2.3993% | 2,226 |
| Net loans and leases to total assets | 34.4950% | 6,519 |
| Net loans and leases to deposits | 41.0383% | 6,498 |
| Net loans and leases to core deposits | 42.1433% | 6,541 |
| Total domestic deposits to total assets | 84.0557% | 4,291 |
| Equity capital to assets | 8.2097% | 6,275 |
| Core capital (leverage) ratio | 8.2697% | 5,918 |
| Tier 1 risk-based capital ratio | 17.8871% | 2,295 |
| Total risk-based capital ratio | 18.9802% | 2,333 |
| Memoranda: | ||
| Average total assets | $228,684,200 | 2,744 |
| Average earning assets | $204,212,800 | 2,811 |
| Average equity | $21,731,800 | 3,006 |
| Average total loans | $81,444,600 | 3,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 6,725 |
| Cost of funding earning assets | 0.3809% | 6,222 |
| Net interest margin | 2.9221% | 6,316 |
| Noninterest income to average assets | 0.9341% | 1,721 |
| Noninterest expense to average assets | 2.1229% | 6,122 |
| Loan and lease loss provision to assets | 0.2640% | 2,463 |
| Net operating income to assets | 0.9735% | 2,641 |
| Return on assets (ROA) | 0.9735% | 2,862 |
| Pretax return on assets | 1.1685% | 3,104 |
| Return on Equity (ROE) | 9.9155% | 2,383 |
| Retained earnings to average equity (ytd only) | 2.2632% | 5,207 |
| Net charge-offs to loans | 0.7736% | 1,430 |
| Credit loss provision to net charge-offs | 95.3878% | 3,133 |
| Earnings coverage of net charge-offs (x) | 5.1761% | 3,088 |
| Efficiency ratio | 59.7095% | 5,546 |
| Assets per employee ($millions) | 4.6588% | 2,666 |
| Cash dividends to net income (ytd only)* | 77.1750% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,631 |
| Loan loss allowance to noncurrent loans | 90.4084% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 4,881 |
| Noncurrent loans to loans | 2.0509% | 2,791 |
| Net loans and leases to total assets | 34.5813% | 6,630 |
| Net loans and leases to deposits | 41.4154% | 6,628 |
| Net loans and leases to core deposits | 42.7355% | 6,645 |
| Total domestic deposits to total assets | 83.4986% | 4,437 |
| Equity capital to assets | 10.1577% | 4,265 |
| Core capital (leverage) ratio | 10.1424% | 3,354 |
| Tier 1 risk-based capital ratio | 22.4774% | 1,252 |
| Total risk-based capital ratio | 23.7308% | 1,228 |
| Memoranda: | ||
| Average total assets | $229,808,750 | 2,755 |
| Average earning assets | $206,150,000 | 2,807 |
| Average equity | $22,563,500 | 2,928 |
| Average total loans | $82,206,500 | 4,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 6,752 |
| Cost of funding earning assets | 0.4017% | 6,256 |
| Net interest margin | 2.9678% | 6,300 |
| Noninterest income to average assets | 0.9074% | 1,759 |
| Noninterest expense to average assets | 2.0960% | 6,237 |
| Loan and lease loss provision to assets | 0.2536% | 2,545 |
| Net operating income to assets | 1.0187% | 2,387 |
| Return on assets (ROA) | 1.0187% | 2,611 |
| Pretax return on assets | 1.2343% | 2,785 |
| Return on Equity (ROE) | 10.4917% | 2,171 |
| Retained earnings to average equity (ytd only) | 2.5319% | 4,921 |
| Net charge-offs to loans | 0.0264% | 5,016 |
| Credit loss provision to net charge-offs | 2,672.7273% | 112 |
| Earnings coverage of net charge-offs (x) | 156.8182% | 287 |
| Efficiency ratio | 58.4838% | 5,804 |
| Assets per employee ($millions) | 4.8574% | 2,347 |
| Cash dividends to net income (ytd only)* | 75.8679% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1614% | 1,859 |
| Loan loss allowance to noncurrent loans | 129.1880% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 5,276 |
| Noncurrent loans to loans | 1.6730% | 3,387 |
| Net loans and leases to total assets | 35.0164% | 6,666 |
| Net loans and leases to deposits | 41.6480% | 6,672 |
| Net loans and leases to core deposits | 43.2472% | 6,688 |
| Total domestic deposits to total assets | 84.0770% | 4,290 |
| Equity capital to assets | 9.9159% | 4,460 |
| Core capital (leverage) ratio | 9.8181% | 3,689 |
| Tier 1 risk-based capital ratio | 22.1238% | 1,269 |
| Total risk-based capital ratio | 23.3804% | 1,249 |
| Memoranda: | ||
| Average total assets | $231,870,330 | 2,735 |
| Average earning assets | $209,110,670 | 2,776 |
| Average equity | $22,513,000 | 2,923 |
| Average total loans | $83,344,330 | 4,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 6,806 |
| Cost of funding earning assets | 0.4229% | 6,298 |
| Net interest margin | 2.9813% | 6,336 |
| Noninterest income to average assets | 0.9347% | 1,615 |
| Noninterest expense to average assets | 2.0783% | 6,312 |
| Loan and lease loss provision to assets | 0.2362% | 2,576 |
| Net operating income to assets | 1.0682% | 2,215 |
| Return on assets (ROA) | 1.0682% | 2,407 |
| Pretax return on assets | 1.3113% | 2,502 |
| Return on Equity (ROE) | 11.1178% | 1,974 |
| Retained earnings to average equity (ytd only) | 2.6191% | 4,950 |
| Net charge-offs to loans | -0.0095% | 5,928 |
| Credit loss provision to net charge-offs | -6,900.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3182% | 6,003 |
| Assets per employee ($millions) | 5.0074% | 2,241 |
| Cash dividends to net income (ytd only)* | 76.4423% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 2,539 |
| Loan loss allowance to noncurrent loans | 109.8106% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 5,308 |
| Noncurrent loans to loans | 1.7705% | 3,453 |
| Net loans and leases to total assets | 34.7818% | 6,699 |
| Net loans and leases to deposits | 41.2256% | 6,692 |
| Net loans and leases to core deposits | 42.6548% | 6,714 |
| Total domestic deposits to total assets | 84.3695% | 4,338 |
| Equity capital to assets | 9.5565% | 4,715 |
| Core capital (leverage) ratio | 9.6833% | 3,793 |
| Tier 1 risk-based capital ratio | 21.1988% | 1,452 |
| Total risk-based capital ratio | 22.4528% | 1,423 |
| Memoranda: | ||
| Average total assets | $233,656,000 | 2,733 |
| Average earning assets | $210,915,000 | 2,762 |
| Average equity | $22,450,500 | 2,923 |
| Average total loans | $84,162,500 | 4,001 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 6,830 |
| Cost of funding earning assets | 0.5020% | 6,525 |
| Net interest margin | 3.2136% | 6,047 |
| Noninterest income to average assets | 0.9538% | 1,493 |
| Noninterest expense to average assets | 1.8550% | 6,888 |
| Loan and lease loss provision to assets | 0.2451% | 3,757 |
| Net operating income to assets | 1.3790% | 1,066 |
| Return on assets (ROA) | 1.3790% | 1,155 |
| Pretax return on assets | 1.7713% | 855 |
| Return on Equity (ROE) | 14.4552% | 836 |
| Retained earnings to average equity (ytd only) | 3.6149% | 3,637 |
| Net charge-offs to loans | 0.4663% | 3,122 |
| Credit loss provision to net charge-offs | 136.8675% | 2,178 |
| Earnings coverage of net charge-offs (x) | 11.2578% | 1,739 |
| Efficiency ratio | 47.9153% | 6,952 |
| Assets per employee ($millions) | 5.0427% | 2,136 |
| Cash dividends to net income (ytd only)* | 74.9922% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 3,038 |
| Loan loss allowance to noncurrent loans | 93.8608% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 5,272 |
| Noncurrent loans to loans | 1.8622% | 3,397 |
| Net loans and leases to total assets | 35.9369% | 6,773 |
| Net loans and leases to deposits | 42.7293% | 6,779 |
| Net loans and leases to core deposits | 44.1828% | 6,809 |
| Total domestic deposits to total assets | 84.1036% | 4,280 |
| Equity capital to assets | 9.6609% | 4,661 |
| Core capital (leverage) ratio | 9.7865% | 3,626 |
| Tier 1 risk-based capital ratio | 20.8575% | 1,446 |
| Total risk-based capital ratio | 22.1097% | 1,422 |
| Memoranda: | ||
| Average total assets | $231,696,600 | 2,706 |
| Average earning assets | $210,356,800 | 2,728 |
| Average equity | $22,102,800 | 2,881 |
| Average total loans | $88,995,400 | 3,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 6,877 |
| Cost of funding earning assets | 0.5121% | 6,652 |
| Net interest margin | 3.2537% | 6,002 |
| Noninterest income to average assets | 0.9486% | 1,489 |
| Noninterest expense to average assets | 1.8512% | 6,918 |
| Loan and lease loss provision to assets | 0.2446% | 3,557 |
| Net operating income to assets | 1.4011% | 1,144 |
| Return on assets (ROA) | 1.4011% | 1,230 |
| Pretax return on assets | 1.8080% | 947 |
| Return on Equity (ROE) | 14.7337% | 885 |
| Retained earnings to average equity (ytd only) | 3.7046% | 4,110 |
| Net charge-offs to loans | 0.5331% | 2,635 |
| Credit loss provision to net charge-offs | 118.0556% | 2,761 |
| Earnings coverage of net charge-offs (x) | 9.9055% | 1,989 |
| Efficiency ratio | 47.4196% | 6,991 |
| Assets per employee ($millions) | 4.8724% | 2,366 |
| Cash dividends to net income (ytd only)* | 74.8562% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 3,528 |
| Loan loss allowance to noncurrent loans | 82.1071% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 5,249 |
| Noncurrent loans to loans | 1.9853% | 3,389 |
| Net loans and leases to total assets | 37.5593% | 6,799 |
| Net loans and leases to deposits | 45.0010% | 6,791 |
| Net loans and leases to core deposits | 46.7558% | 6,811 |
| Total domestic deposits to total assets | 83.4632% | 4,497 |
| Equity capital to assets | 9.9295% | 4,436 |
| Core capital (leverage) ratio | 9.9032% | 3,569 |
| Tier 1 risk-based capital ratio | 20.5505% | 1,547 |
| Total risk-based capital ratio | 21.8014% | 1,517 |
| Memoranda: | ||
| Average total assets | $231,629,500 | 2,714 |
| Average earning assets | $210,377,750 | 2,732 |
| Average equity | $22,026,000 | 2,888 |
| Average total loans | $90,033,250 | 3,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 6,950 |
| Cost of funding earning assets | 0.5221% | 6,773 |
| Net interest margin | 3.2496% | 6,006 |
| Noninterest income to average assets | 0.9294% | 1,539 |
| Noninterest expense to average assets | 1.8400% | 7,032 |
| Loan and lease loss provision to assets | 0.2281% | 3,632 |
| Net operating income to assets | 1.4112% | 1,054 |
| Return on assets (ROA) | 1.4112% | 1,120 |
| Pretax return on assets | 1.8229% | 838 |
| Return on Equity (ROE) | 15.0526% | 796 |
| Retained earnings to average equity (ytd only) | 3.5080% | 4,018 |
| Net charge-offs to loans | 0.6687% | 2,163 |
| Credit loss provision to net charge-offs | 87.2549% | 3,542 |
| Earnings coverage of net charge-offs (x) | 7.8464% | 2,155 |
| Efficiency ratio | 47.2887% | 7,098 |
| Assets per employee ($millions) | 4.8897% | 2,273 |
| Cash dividends to net income (ytd only)* | 76.6949% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 4,158 |
| Loan loss allowance to noncurrent loans | 74.6243% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 5,351 |
| Noncurrent loans to loans | 2.0025% | 3,476 |
| Net loans and leases to total assets | 37.8352% | 6,871 |
| Net loans and leases to deposits | 45.0206% | 6,880 |
| Net loans and leases to core deposits | 46.5244% | 6,909 |
| Total domestic deposits to total assets | 84.0398% | 4,331 |
| Equity capital to assets | 9.8103% | 4,378 |
| Core capital (leverage) ratio | 9.5909% | 3,820 |
| Tier 1 risk-based capital ratio | 20.5277% | 1,510 |
| Total risk-based capital ratio | 21.7779% | 1,484 |
| Memoranda: | ||
| Average total assets | $234,129,000 | 2,716 |
| Average earning assets | $213,377,330 | 2,722 |
| Average equity | $21,949,670 | 2,884 |
| Average total loans | $91,518,670 | 3,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 6,994 |
| Cost of funding earning assets | 0.5375% | 6,840 |
| Net interest margin | 3.2269% | 5,990 |
| Noninterest income to average assets | 0.8797% | 1,730 |
| Noninterest expense to average assets | 1.8062% | 7,130 |
| Loan and lease loss provision to assets | 0.2111% | 3,533 |
| Net operating income to assets | 1.4058% | 1,052 |
| Return on assets (ROA) | 1.4058% | 1,089 |
| Pretax return on assets | 1.8196% | 785 |
| Return on Equity (ROE) | 15.3302% | 770 |
| Retained earnings to average equity (ytd only) | 7.4915% | 1,945 |
| Net charge-offs to loans | -0.0255% | 6,653 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0742% | 7,156 |
| Assets per employee ($millions) | 4.9599% | 2,225 |
| Cash dividends to net income (ytd only)* | 51.1323% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,772 |
| Loan loss allowance to noncurrent loans | 105.8653% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 5,776 |
| Noncurrent loans to loans | 1.5019% | 4,220 |
| Net loans and leases to total assets | 38.8157% | 6,853 |
| Net loans and leases to deposits | 45.5250% | 6,876 |
| Net loans and leases to core deposits | 47.6287% | 6,897 |
| Total domestic deposits to total assets | 85.2623% | 3,911 |
| Equity capital to assets | 9.4734% | 4,478 |
| Core capital (leverage) ratio | 9.3479% | 4,056 |
| Tier 1 risk-based capital ratio | 18.8970% | 1,825 |
| Total risk-based capital ratio | 20.1476% | 1,791 |
| Memoranda: | ||
| Average total assets | $238,729,500 | 2,682 |
| Average earning assets | $218,786,500 | 2,677 |
| Average equity | $21,891,500 | 2,880 |
| Average total loans | $94,081,500 | 3,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 7,121 |
| Cost of funding earning assets | 0.7931% | 6,596 |
| Net interest margin | 3.2212% | 6,220 |
| Noninterest income to average assets | 0.8779% | 1,932 |
| Noninterest expense to average assets | 1.8260% | 7,237 |
| Loan and lease loss provision to assets | 0.4046% | 3,690 |
| Net operating income to assets | 1.2780% | 1,230 |
| Return on assets (ROA) | 1.2780% | 1,290 |
| Pretax return on assets | 1.6035% | 1,121 |
| Return on Equity (ROE) | 16.3047% | 551 |
| Retained earnings to average equity (ytd only) | 8.1451% | 939 |
| Net charge-offs to loans | 0.8908% | 2,407 |
| Credit loss provision to net charge-offs | 113.6653% | 3,828 |
| Earnings coverage of net charge-offs (x) | 5.6409% | 2,573 |
| Efficiency ratio | 47.6247% | 7,280 |
| Assets per employee ($millions) | 5.3118% | 1,738 |
| Cash dividends to net income (ytd only)* | 50.0443% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,601 |
| Loan loss allowance to noncurrent loans | 98.3728% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,924 |
| Noncurrent loans to loans | 1.4052% | 4,379 |
| Net loans and leases to total assets | 38.8329% | 7,033 |
| Net loans and leases to deposits | 45.8247% | 7,051 |
| Net loans and leases to core deposits | 47.9178% | 7,074 |
| Total domestic deposits to total assets | 84.7423% | 3,977 |
| Equity capital to assets | 8.8806% | 5,316 |
| Core capital (leverage) ratio | 8.7063% | 5,010 |
| Tier 1 risk-based capital ratio | 17.7197% | 2,085 |
| Total risk-based capital ratio | 18.8669% | 2,094 |
| Memoranda: | ||
| Average total assets | $265,169,800 | 2,399 |
| Average earning assets | $243,357,000 | 2,401 |
| Average equity | $20,785,400 | 3,044 |
| Average total loans | $105,973,400 | 3,625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 7,254 |
| Cost of funding earning assets | 0.8457% | 6,603 |
| Net interest margin | 3.2005% | 6,342 |
| Noninterest income to average assets | 0.8595% | 1,956 |
| Noninterest expense to average assets | 1.8364% | 7,290 |
| Loan and lease loss provision to assets | 0.4616% | 3,166 |
| Net operating income to assets | 1.2165% | 1,545 |
| Return on assets (ROA) | 1.2165% | 1,625 |
| Pretax return on assets | 1.4971% | 1,629 |
| Return on Equity (ROE) | 16.0006% | 704 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,477 |
| Net charge-offs to loans | 1.0982% | 1,851 |
| Credit loss provision to net charge-offs | 104.8152% | 4,086 |
| Earnings coverage of net charge-offs (x) | 4.4479% | 3,046 |
| Efficiency ratio | 48.3888% | 7,249 |
| Assets per employee ($millions) | 5.1850% | 1,958 |
| Cash dividends to net income (ytd only)* | 51.0743% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 5,429 |
| Loan loss allowance to noncurrent loans | 95.3988% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 6,082 |
| Noncurrent loans to loans | 1.2708% | 4,733 |
| Net loans and leases to total assets | 40.7293% | 7,039 |
| Net loans and leases to deposits | 48.0362% | 7,087 |
| Net loans and leases to core deposits | 51.9665% | 7,048 |
| Total domestic deposits to total assets | 84.7888% | 3,728 |
| Equity capital to assets | 8.5647% | 6,200 |
| Core capital (leverage) ratio | 8.2246% | 6,003 |
| Tier 1 risk-based capital ratio | 16.7415% | 2,436 |
| Total risk-based capital ratio | 17.7818% | 2,502 |
| Memoranda: | ||
| Average total assets | $270,376,750 | 2,389 |
| Average earning assets | $247,997,000 | 2,394 |
| Average equity | $20,557,000 | 3,107 |
| Average total loans | $108,413,000 | 3,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 7,340 |
| Cost of funding earning assets | 0.8824% | 6,650 |
| Net interest margin | 3.1442% | 6,477 |
| Noninterest income to average assets | 0.8453% | 1,900 |
| Noninterest expense to average assets | 1.8340% | 7,351 |
| Loan and lease loss provision to assets | 0.5167% | 2,733 |
| Net operating income to assets | 1.1415% | 1,722 |
| Return on assets (ROA) | 1.1415% | 1,788 |
| Pretax return on assets | 1.3756% | 1,896 |
| Return on Equity (ROE) | 15.6028% | 750 |
| Retained earnings to average equity (ytd only) | 7.7522% | 1,529 |
| Net charge-offs to loans | 1.5043% | 1,273 |
| Credit loss provision to net charge-offs | 86.3855% | 4,535 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 3,423 |
| Efficiency ratio | 49.2168% | 7,274 |
| Assets per employee ($millions) | 5.3620% | 1,742 |
| Cash dividends to net income (ytd only)* | 50.3157% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 6,217 |
| Loan loss allowance to noncurrent loans | 76.8905% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,060 |
| Noncurrent loans to loans | 1.3567% | 4,677 |
| Net loans and leases to total assets | 39.2823% | 7,208 |
| Net loans and leases to deposits | 46.0942% | 7,244 |
| Net loans and leases to core deposits | 50.2826% | 7,198 |
| Total domestic deposits to total assets | 85.2218% | 3,507 |
| Equity capital to assets | 7.9398% | 6,820 |
| Core capital (leverage) ratio | 7.5246% | 6,806 |
| Tier 1 risk-based capital ratio | 15.8284% | 2,749 |
| Total risk-based capital ratio | 16.7120% | 2,880 |
| Memoranda: | ||
| Average total assets | $277,541,670 | 2,351 |
| Average earning assets | $254,311,330 | 2,357 |
| Average equity | $20,304,000 | 3,137 |
| Average total loans | $110,346,670 | 3,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 7,449 |
| Cost of funding earning assets | 0.9312% | 6,655 |
| Net interest margin | 3.0769% | 6,653 |
| Noninterest income to average assets | 0.8016% | 2,015 |
| Noninterest expense to average assets | 1.7940% | 7,470 |
| Loan and lease loss provision to assets | 0.8072% | 1,563 |
| Net operating income to assets | 0.8998% | 2,541 |
| Return on assets (ROA) | 0.8998% | 2,613 |
| Pretax return on assets | 1.0206% | 3,010 |
| Return on Equity (ROE) | 12.8037% | 1,295 |
| Retained earnings to average equity (ytd only) | 3.2359% | 4,210 |
| Net charge-offs to loans | 1.5983% | 1,092 |
| Credit loss provision to net charge-offs | 126.9316% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.8742% | 3,110 |
| Efficiency ratio | 49.5349% | 7,345 |
| Assets per employee ($millions) | 5.3954% | 1,769 |
| Cash dividends to net income (ytd only)* | 74.7270% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,488 |
| Loan loss allowance to noncurrent loans | 63.5447% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 5,631 |
| Noncurrent loans to loans | 1.8916% | 3,933 |
| Net loans and leases to total assets | 38.7596% | 7,319 |
| Net loans and leases to deposits | 45.0137% | 7,367 |
| Net loans and leases to core deposits | 50.7815% | 7,255 |
| Total domestic deposits to total assets | 86.1064% | 3,092 |
| Equity capital to assets | 7.1753% | 7,297 |
| Core capital (leverage) ratio | 6.9612% | 7,275 |
| Tier 1 risk-based capital ratio | 14.4813% | 3,385 |
| Total risk-based capital ratio | 15.4857% | 3,487 |
| Memoranda: | ||
| Average total assets | $284,943,000 | 2,348 |
| Average earning assets | $261,175,000 | 2,342 |
| Average equity | $20,025,500 | 3,204 |
| Average total loans | $113,371,000 | 3,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 6,999 |
| Cost of funding earning assets | 1.5497% | 5,281 |
| Net interest margin | 3.2239% | 6,013 |
| Noninterest income to average assets | 0.8646% | 2,114 |
| Noninterest expense to average assets | 1.8643% | 7,550 |
| Loan and lease loss provision to assets | 0.2534% | 5,368 |
| Net operating income to assets | 1.3305% | 975 |
| Return on assets (ROA) | 1.3305% | 1,020 |
| Pretax return on assets | 1.7289% | 735 |
| Return on Equity (ROE) | 18.5121% | 333 |
| Retained earnings to average equity (ytd only) | 5.1528% | 1,738 |
| Net charge-offs to loans | 0.7549% | 2,936 |
| Credit loss provision to net charge-offs | 71.5625% | 6,461 |
| Earnings coverage of net charge-offs (x) | 5.5979% | 2,550 |
| Efficiency ratio | 48.4657% | 7,611 |
| Assets per employee ($millions) | 5.3579% | 1,784 |
| Cash dividends to net income (ytd only)* | 72.1652% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 6,222 |
| Loan loss allowance to noncurrent loans | 78.8058% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 6,135 |
| Noncurrent loans to loans | 1.3062% | 4,738 |
| Net loans and leases to total assets | 39.9114% | 7,356 |
| Net loans and leases to deposits | 46.3531% | 7,426 |
| Net loans and leases to core deposits | 60.2337% | 7,256 |
| Total domestic deposits to total assets | 86.1029% | 2,963 |
| Equity capital to assets | 6.8850% | 7,423 |
| Core capital (leverage) ratio | 6.9375% | 7,290 |
| Tier 1 risk-based capital ratio | 13.5162% | 3,809 |
| Total risk-based capital ratio | 14.3779% | 4,008 |
| Memoranda: | ||
| Average total assets | $271,097,000 | 2,411 |
| Average earning assets | $250,752,200 | 2,394 |
| Average equity | $19,484,600 | 3,280 |
| Average total loans | $127,172,800 | 3,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 6,854 |
| Cost of funding earning assets | 1.6652% | 5,087 |
| Net interest margin | 3.2472% | 5,847 |
| Noninterest income to average assets | 0.8634% | 2,131 |
| Noninterest expense to average assets | 1.9069% | 7,537 |
| Loan and lease loss provision to assets | 0.2746% | 4,774 |
| Net operating income to assets | 1.2981% | 1,223 |
| Return on assets (ROA) | 1.2981% | 1,301 |
| Pretax return on assets | 1.6893% | 992 |
| Return on Equity (ROE) | 17.8569% | 473 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,352 |
| Net charge-offs to loans | 0.4078% | 3,628 |
| Credit loss provision to net charge-offs | 138.2872% | 3,579 |
| Earnings coverage of net charge-offs (x) | 9.8892% | 2,041 |
| Efficiency ratio | 49.2634% | 7,604 |
| Assets per employee ($millions) | 5.0340% | 2,106 |
| Cash dividends to net income (ytd only)* | 80.5397% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,558 |
| Loan loss allowance to noncurrent loans | 131.1290% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 6,270 |
| Noncurrent loans to loans | 0.9849% | 5,336 |
| Net loans and leases to total assets | 45.7176% | 7,128 |
| Net loans and leases to deposits | 54.1432% | 7,208 |
| Net loans and leases to core deposits | 68.7088% | 7,031 |
| Total domestic deposits to total assets | 84.4384% | 3,512 |
| Equity capital to assets | 7.1804% | 7,502 |
| Core capital (leverage) ratio | 7.1654% | 7,295 |
| Tier 1 risk-based capital ratio | 13.0249% | 4,174 |
| Total risk-based capital ratio | 14.1630% | 4,191 |
| Memoranda: | ||
| Average total assets | $266,539,750 | 2,462 |
| Average earning assets | $246,849,500 | 2,453 |
| Average equity | $19,375,750 | 3,330 |
| Average total loans | $129,797,250 | 3,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 6,767 |
| Cost of funding earning assets | 1.7579% | 4,957 |
| Net interest margin | 3.2431% | 5,763 |
| Noninterest income to average assets | 0.8649% | 2,124 |
| Noninterest expense to average assets | 1.9662% | 7,523 |
| Loan and lease loss provision to assets | 0.1103% | 6,049 |
| Net operating income to assets | 1.3551% | 1,114 |
| Return on assets (ROA) | 1.3551% | 1,185 |
| Pretax return on assets | 1.7970% | 855 |
| Return on Equity (ROE) | 18.5637% | 442 |
| Retained earnings to average equity (ytd only) | 4.5219% | 2,779 |
| Net charge-offs to loans | 0.3585% | 3,389 |
| Credit loss provision to net charge-offs | 62.1277% | 5,560 |
| Earnings coverage of net charge-offs (x) | 10.7447% | 1,966 |
| Efficiency ratio | 50.7605% | 7,611 |
| Assets per employee ($millions) | 5.0139% | 2,059 |
| Cash dividends to net income (ytd only)* | 75.6410% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,831 |
| Loan loss allowance to noncurrent loans | 103.5127% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 6,078 |
| Noncurrent loans to loans | 1.0248% | 5,166 |
| Net loans and leases to total assets | 48.6097% | 6,982 |
| Net loans and leases to deposits | 57.8789% | 7,038 |
| Net loans and leases to core deposits | 73.3034% | 6,826 |
| Total domestic deposits to total assets | 83.9852% | 3,784 |
| Equity capital to assets | 7.2580% | 7,444 |
| Core capital (leverage) ratio | 7.1777% | 7,380 |
| Tier 1 risk-based capital ratio | 12.7254% | 4,342 |
| Total risk-based capital ratio | 13.6825% | 4,498 |
| Memoranda: | ||
| Average total assets | $264,774,330 | 2,492 |
| Average earning assets | $245,631,000 | 2,470 |
| Average equity | $19,328,000 | 3,350 |
| Average total loans | $131,095,330 | 3,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 6,277 |
| Cost of funding earning assets | 1.8972% | 4,637 |
| Net interest margin | 3.3075% | 5,470 |
| Noninterest income to average assets | 0.8112% | 2,277 |
| Noninterest expense to average assets | 1.8737% | 7,601 |
| Loan and lease loss provision to assets | 0.0848% | 5,869 |
| Net operating income to assets | 1.4257% | 1,088 |
| Return on assets (ROA) | 1.4257% | 1,175 |
| Pretax return on assets | 1.9266% | 759 |
| Return on Equity (ROE) | 19.4744% | 466 |
| Retained earnings to average equity (ytd only) | 5.3131% | 2,949 |
| Net charge-offs to loans | 0.1949% | 3,469 |
| Credit loss provision to net charge-offs | 87.5000% | 4,049 |
| Earnings coverage of net charge-offs (x) | 20.7656% | 1,360 |
| Efficiency ratio | 48.2275% | 7,717 |
| Assets per employee ($millions) | 5.0158% | 2,058 |
| Cash dividends to net income (ytd only)* | 72.7176% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,289 |
| Loan loss allowance to noncurrent loans | 130.4270% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 6,134 |
| Noncurrent loans to loans | 0.8628% | 5,293 |
| Net loans and leases to total assets | 47.5568% | 7,059 |
| Net loans and leases to deposits | 56.3767% | 7,144 |
| Net loans and leases to core deposits | 72.5296% | 6,883 |
| Total domestic deposits to total assets | 84.3554% | 3,530 |
| Equity capital to assets | 7.1847% | 7,575 |
| Core capital (leverage) ratio | 7.0937% | 7,568 |
| Tier 1 risk-based capital ratio | 12.5788% | 4,490 |
| Total risk-based capital ratio | 13.5873% | 4,589 |
| Memoranda: | ||
| Average total assets | $264,294,000 | 2,513 |
| Average earning assets | $245,623,500 | 2,490 |
| Average equity | $19,348,500 | 3,370 |
| Average total loans | $131,364,000 | 3,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7410% | 6,636 |
| Cost of funding earning assets | 2.3935% | 4,741 |
| Net interest margin | 3.3476% | 5,874 |
| Noninterest income to average assets | 0.7698% | 2,673 |
| Noninterest expense to average assets | 1.8736% | 7,658 |
| Loan and lease loss provision to assets | 0.1218% | 5,801 |
| Net operating income to assets | 1.4149% | 1,196 |
| Return on assets (ROA) | 1.4149% | 1,152 |
| Pretax return on assets | 1.8797% | 800 |
| Return on Equity (ROE) | 18.9497% | 453 |
| Retained earnings to average equity (ytd only) | 4.6219% | 2,252 |
| Net charge-offs to loans | 0.3713% | 2,982 |
| Credit loss provision to net charge-offs | 65.0759% | 6,161 |
| Earnings coverage of net charge-offs (x) | 10.6941% | 2,474 |
| Efficiency ratio | 48.3499% | 7,777 |
| Assets per employee ($millions) | 4.6861% | 2,350 |
| Cash dividends to net income (ytd only)* | 75.6098% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,173 |
| Loan loss allowance to noncurrent loans | 182.6518% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 6,187 |
| Noncurrent loans to loans | 0.6093% | 5,546 |
| Net loans and leases to total assets | 50.8193% | 6,951 |
| Net loans and leases to deposits | 59.7442% | 7,110 |
| Net loans and leases to core deposits | 78.7621% | 6,707 |
| Total domestic deposits to total assets | 85.0614% | 2,815 |
| Equity capital to assets | 7.4639% | 7,414 |
| Core capital (leverage) ratio | 7.3071% | 7,410 |
| Tier 1 risk-based capital ratio | 12.3938% | 4,512 |
| Total risk-based capital ratio | 13.4063% | 4,590 |
| Memoranda: | ||
| Average total assets | $246,311,000 | 2,592 |
| Average earning assets | $228,494,800 | 2,565 |
| Average equity | $18,390,800 | 3,496 |
| Average total loans | $124,142,000 | 3,374 |