Home > Simmons First Bank of Russellville > Performance and Condition Ratios
Simmons First Bank of Russellville, 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 | 3.4775% | 5,453 |
| Cost of funding earning assets | 0.2627% | 5,360 |
| Net interest margin | 3.2148% | 4,898 |
| Noninterest income to average assets | 1.0173% | 1,150 |
| Noninterest expense to average assets | 2.7213% | 3,791 |
| Loan and lease loss provision to assets | 0.0544% | 3,212 |
| Net operating income to assets | 0.6238% | 4,226 |
| Return on assets (ROA) | 0.6238% | 4,326 |
| Pretax return on assets | 0.8415% | 4,116 |
| Return on Equity (ROE) | 4.4431% | 4,949 |
| Retained earnings to average equity (ytd only) | 1.4239% | 5,170 |
| Net charge-offs to loans | 0.0644% | 3,070 |
| Credit loss provision to net charge-offs | 167.7419% | 1,342 |
| Earnings coverage of net charge-offs (x) | 27.6129% | 1,333 |
| Efficiency ratio | 75.2315% | 2,770 |
| Assets per employee ($millions) | 4.7381% | 2,556 |
| Cash dividends to net income (ytd only)* | 67.9530% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 1,776 |
| Loan loss allowance to noncurrent loans | 325.1838% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 4,953 |
| Noncurrent loans to loans | 0.5612% | 4,338 |
| Net loans and leases to total assets | 48.9857% | 5,080 |
| Net loans and leases to deposits | 61.2110% | 4,757 |
| Net loans and leases to core deposits | 63.7753% | 4,836 |
| Total domestic deposits to total assets | 80.0276% | 5,229 |
| Equity capital to assets | 13.8868% | 1,018 |
| Core capital (leverage) ratio | 10.0276% | 3,575 |
| Tier 1 risk-based capital ratio | 16.1374% | 3,016 |
| Total risk-based capital ratio | 17.3926% | 2,961 |
| Memoranda: | ||
| Average total assets | $191,087,330 | 3,137 |
| Average earning assets | $154,535,330 | 3,402 |
| Average equity | $26,828,330 | 2,493 |
| Average total loans | $96,259,000 | 3,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,457 |
| Cost of funding earning assets | 0.2691% | 5,396 |
| Net interest margin | 3.2193% | 4,867 |
| Noninterest income to average assets | 0.9710% | 1,198 |
| Noninterest expense to average assets | 2.7209% | 3,866 |
| Loan and lease loss provision to assets | 0.0485% | 3,123 |
| Net operating income to assets | 0.5974% | 4,213 |
| Return on assets (ROA) | 0.5974% | 4,291 |
| Pretax return on assets | 0.8021% | 4,108 |
| Return on Equity (ROE) | 4.2311% | 4,914 |
| Retained earnings to average equity (ytd only) | 1.4951% | 5,014 |
| Net charge-offs to loans | -0.0292% | 5,543 |
| Credit loss provision to net charge-offs | -328.5714% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1820% | 2,769 |
| Assets per employee ($millions) | 4.3615% | 3,219 |
| Cash dividends to net income (ytd only)* | 64.6643% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 1,877 |
| Loan loss allowance to noncurrent loans | 249.0196% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 4,782 |
| Noncurrent loans to loans | 0.7460% | 3,998 |
| Net loans and leases to total assets | 48.9458% | 5,008 |
| Net loans and leases to deposits | 61.2377% | 4,635 |
| Net loans and leases to core deposits | 63.9837% | 4,691 |
| Total domestic deposits to total assets | 79.9277% | 5,499 |
| Equity capital to assets | 13.9798% | 924 |
| Core capital (leverage) ratio | 10.1225% | 3,398 |
| Tier 1 risk-based capital ratio | 16.3472% | 2,977 |
| Total risk-based capital ratio | 17.6031% | 2,941 |
| Memoranda: | ||
| Average total assets | $189,499,500 | 3,175 |
| Average earning assets | $153,077,500 | 3,458 |
| Average equity | $26,754,000 | 2,488 |
| Average total loans | $95,923,500 | 3,558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 4,460 |
| Cost of funding earning assets | 0.3305% | 5,318 |
| Net interest margin | 3.5704% | 3,601 |
| Noninterest income to average assets | 1.2275% | 924 |
| Noninterest expense to average assets | 3.0932% | 2,758 |
| Loan and lease loss provision to assets | 0.0085% | 4,953 |
| Net operating income to assets | 0.7023% | 3,784 |
| Return on assets (ROA) | 0.7023% | 3,869 |
| Pretax return on assets | 0.9681% | 3,488 |
| Return on Equity (ROE) | 4.9458% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.2627% | 5,259 |
| Net charge-offs to loans | 0.1143% | 3,675 |
| Credit loss provision to net charge-offs | 13.9130% | 4,537 |
| Earnings coverage of net charge-offs (x) | 15.9130% | 1,838 |
| Efficiency ratio | 76.0031% | 2,768 |
| Assets per employee ($millions) | 4.3510% | 3,173 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,012 |
| Loan loss allowance to noncurrent loans | 268.5100% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,888 |
| Noncurrent loans to loans | 0.6771% | 4,282 |
| Net loans and leases to total assets | 50.4514% | 5,033 |
| Net loans and leases to deposits | 63.3658% | 4,576 |
| Net loans and leases to core deposits | 66.2905% | 4,672 |
| Total domestic deposits to total assets | 79.6192% | 5,526 |
| Equity capital to assets | 14.2603% | 840 |
| Core capital (leverage) ratio | 10.1186% | 3,400 |
| Tier 1 risk-based capital ratio | 16.0832% | 3,060 |
| Total risk-based capital ratio | 17.3384% | 3,015 |
| Memoranda: | ||
| Average total assets | $187,379,600 | 3,197 |
| Average earning assets | $149,172,800 | 3,519 |
| Average equity | $26,608,600 | 2,494 |
| Average total loans | $100,640,000 | 3,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 4,217 |
| Cost of funding earning assets | 0.3445% | 5,344 |
| Net interest margin | 3.6332% | 3,309 |
| Noninterest income to average assets | 1.2575% | 929 |
| Noninterest expense to average assets | 3.1446% | 2,516 |
| Loan and lease loss provision to assets | 0.0107% | 4,779 |
| Net operating income to assets | 0.7163% | 3,776 |
| Return on assets (ROA) | 0.7163% | 3,905 |
| Pretax return on assets | 0.9901% | 3,539 |
| Return on Equity (ROE) | 5.0492% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.0580% | 5,549 |
| Net charge-offs to loans | 0.1349% | 3,190 |
| Credit loss provision to net charge-offs | 14.5631% | 4,158 |
| Earnings coverage of net charge-offs (x) | 13.6602% | 2,010 |
| Efficiency ratio | 75.8579% | 2,753 |
| Assets per employee ($millions) | 4.2252% | 3,373 |
| Cash dividends to net income (ytd only)* | 79.0471% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 2,378 |
| Loan loss allowance to noncurrent loans | 1,256.4286% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,906 |
| Noncurrent loans to loans | 0.1414% | 5,903 |
| Net loans and leases to total assets | 52.3140% | 4,840 |
| Net loans and leases to deposits | 66.1407% | 4,289 |
| Net loans and leases to core deposits | 68.9871% | 4,435 |
| Total domestic deposits to total assets | 79.0950% | 5,730 |
| Equity capital to assets | 14.3049% | 875 |
| Core capital (leverage) ratio | 9.9474% | 3,747 |
| Tier 1 risk-based capital ratio | 15.6181% | 3,390 |
| Total risk-based capital ratio | 16.8734% | 3,353 |
| Memoranda: | ||
| Average total assets | $187,451,250 | 3,220 |
| Average earning assets | $148,994,250 | 3,552 |
| Average equity | $26,590,750 | 2,517 |
| Average total loans | $101,765,250 | 3,433 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,964 |
| Cost of funding earning assets | 0.3695% | 5,231 |
| Net interest margin | 3.6696% | 3,086 |
| Noninterest income to average assets | 1.2598% | 978 |
| Noninterest expense to average assets | 3.0623% | 2,790 |
| Loan and lease loss provision to assets | 0.0128% | 4,627 |
| Net operating income to assets | 0.7799% | 3,405 |
| Return on assets (ROA) | 0.7799% | 3,568 |
| Pretax return on assets | 1.0906% | 3,129 |
| Return on Equity (ROE) | 5.5134% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.6096% | 5,224 |
| Net charge-offs to loans | 0.1013% | 3,347 |
| Credit loss provision to net charge-offs | 23.0769% | 3,689 |
| Earnings coverage of net charge-offs (x) | 19.9423% | 1,487 |
| Efficiency ratio | 73.5121% | 3,222 |
| Assets per employee ($millions) | 4.0075% | 3,779 |
| Cash dividends to net income (ytd only)* | 70.8049% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,523 |
| Loan loss allowance to noncurrent loans | 926.6667% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 5,252 |
| Noncurrent loans to loans | 0.1912% | 5,835 |
| Net loans and leases to total assets | 53.1797% | 4,711 |
| Net loans and leases to deposits | 66.8980% | 4,160 |
| Net loans and leases to core deposits | 69.7484% | 4,296 |
| Total domestic deposits to total assets | 79.4937% | 5,715 |
| Equity capital to assets | 14.1241% | 930 |
| Core capital (leverage) ratio | 9.9743% | 3,560 |
| Tier 1 risk-based capital ratio | 14.8702% | 3,864 |
| Total risk-based capital ratio | 16.1250% | 3,825 |
| Memoranda: | ||
| Average total assets | $187,965,670 | 3,231 |
| Average earning assets | $148,846,330 | 3,580 |
| Average equity | $26,589,670 | 2,529 |
| Average total loans | $102,682,000 | 3,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,829 |
| Cost of funding earning assets | 0.3874% | 5,221 |
| Net interest margin | 3.6857% | 2,914 |
| Noninterest income to average assets | 1.1972% | 1,053 |
| Noninterest expense to average assets | 3.0569% | 2,815 |
| Loan and lease loss provision to assets | 0.0085% | 4,344 |
| Net operating income to assets | 0.7498% | 3,435 |
| Return on assets (ROA) | 0.7498% | 3,571 |
| Pretax return on assets | 1.0502% | 3,145 |
| Return on Equity (ROE) | 5.2966% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.6853% | 5,143 |
| Net charge-offs to loans | 0.0311% | 3,600 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 62.1250% | 578 |
| Efficiency ratio | 74.2754% | 3,219 |
| Assets per employee ($millions) | 3.6957% | 4,565 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,572 |
| Loan loss allowance to noncurrent loans | 271.8289% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 4,672 |
| Noncurrent loans to loans | 0.6675% | 4,786 |
| Net loans and leases to total assets | 53.9681% | 4,421 |
| Net loans and leases to deposits | 69.2059% | 3,614 |
| Net loans and leases to core deposits | 71.6209% | 3,863 |
| Total domestic deposits to total assets | 77.9820% | 6,113 |
| Equity capital to assets | 14.4162% | 900 |
| Core capital (leverage) ratio | 10.0226% | 3,347 |
| Tier 1 risk-based capital ratio | 14.8113% | 3,960 |
| Total risk-based capital ratio | 16.0672% | 3,923 |
| Memoranda: | ||
| Average total assets | $187,772,500 | 3,253 |
| Average earning assets | $148,683,000 | 3,616 |
| Average equity | $26,583,000 | 2,560 |
| Average total loans | $103,037,000 | 3,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 4,386 |
| Cost of funding earning assets | 0.4453% | 5,619 |
| Net interest margin | 3.8098% | 3,185 |
| Noninterest income to average assets | 1.2182% | 1,051 |
| Noninterest expense to average assets | 2.9148% | 3,583 |
| Loan and lease loss provision to assets | -0.1465% | 6,945 |
| Net operating income to assets | 1.0427% | 2,158 |
| Return on assets (ROA) | 1.0427% | 2,357 |
| Pretax return on assets | 1.4838% | 1,734 |
| Return on Equity (ROE) | 5.7645% | 4,275 |
| Retained earnings to average equity (ytd only) | -29.2604% | 6,932 |
| Net charge-offs to loans | 0.0369% | 5,405 |
| Credit loss provision to net charge-offs | -764.8649% | 6,560 |
| Earnings coverage of net charge-offs (x) | 69.8108% | 526 |
| Efficiency ratio | 68.5499% | 4,047 |
| Assets per employee ($millions) | 3.8152% | 4,334 |
| Cash dividends to net income (ytd only)* | 607.5968% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 2,701 |
| Loan loss allowance to noncurrent loans | 303.7829% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 4,913 |
| Noncurrent loans to loans | 0.5818% | 5,074 |
| Net loans and leases to total assets | 53.8158% | 4,641 |
| Net loans and leases to deposits | 73.5770% | 3,159 |
| Net loans and leases to core deposits | 76.0488% | 3,526 |
| Total domestic deposits to total assets | 73.1422% | 6,606 |
| Equity capital to assets | 13.9060% | 1,084 |
| Core capital (leverage) ratio | 9.4203% | 4,229 |
| Tier 1 risk-based capital ratio | 14.3085% | 4,158 |
| Total risk-based capital ratio | 15.5635% | 4,114 |
| Memoranda: | ||
| Average total assets | $193,150,400 | 3,137 |
| Average earning assets | $153,814,800 | 3,489 |
| Average equity | $34,938,000 | 1,983 |
| Average total loans | $100,212,800 | 3,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 4,588 |
| Cost of funding earning assets | 0.4563% | 5,751 |
| Net interest margin | 3.8103% | 3,294 |
| Noninterest income to average assets | 1.2091% | 1,029 |
| Noninterest expense to average assets | 2.9006% | 3,593 |
| Loan and lease loss provision to assets | -0.1941% | 7,084 |
| Net operating income to assets | 1.0859% | 2,147 |
| Return on assets (ROA) | 1.0859% | 2,341 |
| Pretax return on assets | 1.5484% | 1,726 |
| Return on Equity (ROE) | 5.6801% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.5874% | 5,544 |
| Net charge-offs to loans | 0.0471% | 4,996 |
| Credit loss provision to net charge-offs | -805.7143% | 6,515 |
| Earnings coverage of net charge-offs (x) | 56.2231% | 692 |
| Efficiency ratio | 68.1708% | 4,022 |
| Assets per employee ($millions) | 3.9308% | 4,015 |
| Cash dividends to net income (ytd only)* | 72.0530% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,715 |
| Loan loss allowance to noncurrent loans | 1,217.1053% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 5,631 |
| Noncurrent loans to loans | 0.1500% | 6,234 |
| Net loans and leases to total assets | 51.6606% | 5,089 |
| Net loans and leases to deposits | 70.8526% | 3,779 |
| Net loans and leases to core deposits | 73.2514% | 4,079 |
| Total domestic deposits to total assets | 72.9128% | 6,683 |
| Equity capital to assets | 19.3187% | 273 |
| Core capital (leverage) ratio | 14.6531% | 676 |
| Tier 1 risk-based capital ratio | 23.3702% | 1,117 |
| Total risk-based capital ratio | 24.6260% | 1,095 |
| Memoranda: | ||
| Average total assets | $193,748,000 | 3,166 |
| Average earning assets | $154,873,750 | 3,502 |
| Average equity | $37,040,750 | 1,896 |
| Average total loans | $99,139,500 | 3,586 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 4,703 |
| Cost of funding earning assets | 0.4629% | 5,885 |
| Net interest margin | 3.8030% | 3,344 |
| Noninterest income to average assets | 1.1735% | 1,038 |
| Noninterest expense to average assets | 2.9053% | 3,593 |
| Loan and lease loss provision to assets | -0.3050% | 7,177 |
| Net operating income to assets | 1.1446% | 1,894 |
| Return on assets (ROA) | 1.1446% | 2,112 |
| Pretax return on assets | 1.6371% | 1,429 |
| Return on Equity (ROE) | 6.0079% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.6011% | 4,884 |
| Net charge-offs to loans | -0.0386% | 6,596 |
| Credit loss provision to net charge-offs | 1,557.8947% | 209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5631% | 4,031 |
| Assets per employee ($millions) | 3.9870% | 3,904 |
| Cash dividends to net income (ytd only)* | 56.7057% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 2,561 |
| Loan loss allowance to noncurrent loans | 282.0896% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 5,643 |
| Noncurrent loans to loans | 0.6735% | 5,157 |
| Net loans and leases to total assets | 48.9566% | 5,492 |
| Net loans and leases to deposits | 66.1679% | 4,487 |
| Net loans and leases to core deposits | 68.2994% | 4,752 |
| Total domestic deposits to total assets | 73.9885% | 6,676 |
| Equity capital to assets | 18.6832% | 295 |
| Core capital (leverage) ratio | 14.7817% | 641 |
| Tier 1 risk-based capital ratio | 23.6269% | 1,060 |
| Total risk-based capital ratio | 24.8834% | 1,043 |
| Memoranda: | ||
| Average total assets | $194,127,000 | 3,162 |
| Average earning assets | $156,403,000 | 3,490 |
| Average equity | $36,984,330 | 1,883 |
| Average total loans | $98,401,330 | 3,615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 4,608 |
| Cost of funding earning assets | 0.4892% | 5,876 |
| Net interest margin | 3.8412% | 3,180 |
| Noninterest income to average assets | 1.1571% | 1,061 |
| Noninterest expense to average assets | 2.9157% | 3,557 |
| Loan and lease loss provision to assets | -0.0104% | 7,102 |
| Net operating income to assets | 0.9628% | 2,627 |
| Return on assets (ROA) | 0.9628% | 2,824 |
| Pretax return on assets | 1.3513% | 2,356 |
| Return on Equity (ROE) | 5.0035% | 4,784 |
| Retained earnings to average equity (ytd only) | 1.8560% | 5,319 |
| Net charge-offs to loans | -0.2044% | 6,996 |
| Credit loss provision to net charge-offs | 10.0000% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4985% | 4,073 |
| Assets per employee ($millions) | 3.9476% | 4,117 |
| Cash dividends to net income (ytd only)* | 62.9067% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2844% | 1,702 |
| Loan loss allowance to noncurrent loans | 240.9586% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 5,457 |
| Noncurrent loans to loans | 0.9480% | 4,781 |
| Net loans and leases to total assets | 47.9382% | 5,561 |
| Net loans and leases to deposits | 64.7865% | 4,514 |
| Net loans and leases to core deposits | 66.6756% | 4,833 |
| Total domestic deposits to total assets | 73.9942% | 6,748 |
| Equity capital to assets | 18.7178% | 297 |
| Core capital (leverage) ratio | 14.9462% | 606 |
| Tier 1 risk-based capital ratio | 24.1413% | 991 |
| Total risk-based capital ratio | 25.4013% | 977 |
| Memoranda: | ||
| Average total assets | $191,515,500 | 3,215 |
| Average earning assets | $154,536,000 | 3,542 |
| Average equity | $36,854,000 | 1,891 |
| Average total loans | $97,859,500 | 3,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 4,185 |
| Cost of funding earning assets | 0.6126% | 6,029 |
| Net interest margin | 4.1029% | 2,416 |
| Noninterest income to average assets | 1.2698% | 800 |
| Noninterest expense to average assets | 2.7671% | 4,485 |
| Loan and lease loss provision to assets | 0.1481% | 4,759 |
| Net operating income to assets | 1.1681% | 1,613 |
| Return on assets (ROA) | 1.1681% | 1,721 |
| Pretax return on assets | 1.6671% | 1,061 |
| Return on Equity (ROE) | 5.9208% | 3,909 |
| Retained earnings to average equity (ytd only) | 1.5507% | 5,101 |
| Net charge-offs to loans | 0.2152% | 4,445 |
| Credit loss provision to net charge-offs | 126.2673% | 2,466 |
| Earnings coverage of net charge-offs (x) | 15.4747% | 1,388 |
| Efficiency ratio | 60.3869% | 5,689 |
| Assets per employee ($millions) | 3.7130% | 4,527 |
| Cash dividends to net income (ytd only)* | 73.8084% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,813 |
| Loan loss allowance to noncurrent loans | 174.0562% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 4,971 |
| Noncurrent loans to loans | 1.2590% | 4,267 |
| Net loans and leases to total assets | 52.0975% | 5,299 |
| Net loans and leases to deposits | 71.9530% | 3,802 |
| Net loans and leases to core deposits | 74.0242% | 4,241 |
| Total domestic deposits to total assets | 72.4048% | 6,853 |
| Equity capital to assets | 19.8021% | 244 |
| Core capital (leverage) ratio | 15.2237% | 572 |
| Tier 1 risk-based capital ratio | 23.6467% | 1,006 |
| Total risk-based capital ratio | 24.9062% | 991 |
| Memoranda: | ||
| Average total assets | $184,995,600 | 3,259 |
| Average earning assets | $149,359,000 | 3,586 |
| Average equity | $36,498,600 | 1,853 |
| Average total loans | $100,827,400 | 3,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 4,129 |
| Cost of funding earning assets | 0.6320% | 6,122 |
| Net interest margin | 4.1409% | 2,301 |
| Noninterest income to average assets | 1.2451% | 835 |
| Noninterest expense to average assets | 2.7931% | 4,370 |
| Loan and lease loss provision to assets | 0.1443% | 4,638 |
| Net operating income to assets | 1.1614% | 1,777 |
| Return on assets (ROA) | 1.1614% | 1,886 |
| Pretax return on assets | 1.6541% | 1,246 |
| Return on Equity (ROE) | 5.8920% | 4,073 |
| Retained earnings to average equity (ytd only) | 1.7896% | 5,242 |
| Net charge-offs to loans | 0.2514% | 3,856 |
| Credit loss provision to net charge-offs | 104.7120% | 3,177 |
| Earnings coverage of net charge-offs (x) | 13.0524% | 1,648 |
| Efficiency ratio | 60.8327% | 5,589 |
| Assets per employee ($millions) | 3.6272% | 4,686 |
| Cash dividends to net income (ytd only)* | 69.6275% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 2,016 |
| Loan loss allowance to noncurrent loans | 1,109.4241% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,210 |
| Noncurrent loans to loans | 0.1913% | 6,485 |
| Net loans and leases to total assets | 52.8413% | 5,342 |
| Net loans and leases to deposits | 73.1036% | 3,790 |
| Net loans and leases to core deposits | 75.3701% | 4,269 |
| Total domestic deposits to total assets | 72.2828% | 6,913 |
| Equity capital to assets | 19.8361% | 250 |
| Core capital (leverage) ratio | 15.0316% | 658 |
| Tier 1 risk-based capital ratio | 23.3542% | 1,096 |
| Total risk-based capital ratio | 24.6130% | 1,077 |
| Memoranda: | ||
| Average total assets | $184,831,500 | 3,280 |
| Average earning assets | $149,367,000 | 3,614 |
| Average equity | $36,432,500 | 1,849 |
| Average total loans | $101,312,500 | 3,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 4,295 |
| Cost of funding earning assets | 0.6470% | 6,243 |
| Net interest margin | 4.1042% | 2,393 |
| Noninterest income to average assets | 1.2025% | 890 |
| Noninterest expense to average assets | 2.8618% | 4,178 |
| Loan and lease loss provision to assets | 0.1461% | 4,481 |
| Net operating income to assets | 1.0889% | 1,903 |
| Return on assets (ROA) | 1.0889% | 1,996 |
| Pretax return on assets | 1.5316% | 1,430 |
| Return on Equity (ROE) | 5.5358% | 4,192 |
| Retained earnings to average equity (ytd only) | 1.4747% | 5,245 |
| Net charge-offs to loans | 0.3910% | 2,996 |
| Credit loss provision to net charge-offs | 67.8392% | 4,118 |
| Earnings coverage of net charge-offs (x) | 7.7889% | 2,166 |
| Efficiency ratio | 63.0424% | 5,402 |
| Assets per employee ($millions) | 3.4949% | 4,953 |
| Cash dividends to net income (ytd only)* | 73.3598% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 2,260 |
| Loan loss allowance to noncurrent loans | 1,225.1497% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 6,079 |
| Noncurrent loans to loans | 0.1664% | 6,565 |
| Net loans and leases to total assets | 53.0673% | 5,422 |
| Net loans and leases to deposits | 73.6257% | 3,862 |
| Net loans and leases to core deposits | 75.7617% | 4,346 |
| Total domestic deposits to total assets | 72.0770% | 6,999 |
| Equity capital to assets | 19.6916% | 278 |
| Core capital (leverage) ratio | 14.9475% | 673 |
| Tier 1 risk-based capital ratio | 23.0238% | 1,116 |
| Total risk-based capital ratio | 24.2833% | 1,097 |
| Memoranda: | ||
| Average total assets | $184,780,000 | 3,305 |
| Average earning assets | $150,237,330 | 3,622 |
| Average equity | $36,345,330 | 1,841 |
| Average total loans | $101,794,000 | 3,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 4,331 |
| Cost of funding earning assets | 0.6737% | 6,280 |
| Net interest margin | 4.0664% | 2,402 |
| Noninterest income to average assets | 1.1769% | 932 |
| Noninterest expense to average assets | 2.9151% | 3,998 |
| Loan and lease loss provision to assets | 0.1279% | 4,396 |
| Net operating income to assets | 1.0295% | 2,075 |
| Return on assets (ROA) | 1.0295% | 2,122 |
| Pretax return on assets | 1.4435% | 1,616 |
| Return on Equity (ROE) | 5.2370% | 4,270 |
| Retained earnings to average equity (ytd only) | 1.4994% | 5,214 |
| Net charge-offs to loans | 0.4604% | 2,312 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.1441% | 2,148 |
| Efficiency ratio | 64.9758% | 5,192 |
| Assets per employee ($millions) | 3.4569% | 5,105 |
| Cash dividends to net income (ytd only)* | 71.3684% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 2,395 |
| Loan loss allowance to noncurrent loans | 479.2056% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 5,786 |
| Noncurrent loans to loans | 0.4192% | 6,159 |
| Net loans and leases to total assets | 53.5910% | 5,368 |
| Net loans and leases to deposits | 73.9139% | 3,775 |
| Net loans and leases to core deposits | 76.6316% | 4,218 |
| Total domestic deposits to total assets | 72.5046% | 7,038 |
| Equity capital to assets | 19.4702% | 283 |
| Core capital (leverage) ratio | 14.9056% | 679 |
| Tier 1 risk-based capital ratio | 21.8350% | 1,254 |
| Total risk-based capital ratio | 23.0921% | 1,223 |
| Memoranda: | ||
| Average total assets | $184,554,500 | 3,330 |
| Average earning assets | $150,206,000 | 3,637 |
| Average equity | $36,280,500 | 1,822 |
| Average total loans | $102,519,500 | 3,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 4,622 |
| Cost of funding earning assets | 0.8315% | 6,437 |
| Net interest margin | 4.1555% | 2,345 |
| Noninterest income to average assets | 1.2884% | 885 |
| Noninterest expense to average assets | 2.8070% | 4,580 |
| Loan and lease loss provision to assets | 0.1613% | 5,600 |
| Net operating income to assets | 1.1143% | 1,660 |
| Return on assets (ROA) | 1.1143% | 1,746 |
| Pretax return on assets | 1.6970% | 944 |
| Return on Equity (ROE) | 5.8068% | 3,698 |
| Retained earnings to average equity (ytd only) | 1.6452% | 4,695 |
| Net charge-offs to loans | -0.1506% | 7,530 |
| Credit loss provision to net charge-offs | -192.3567% | 7,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1672% | 6,022 |
| Assets per employee ($millions) | 3.3784% | 5,221 |
| Cash dividends to net income (ytd only)* | 71.6683% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 2,176 |
| Loan loss allowance to noncurrent loans | 287.4659% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 5,855 |
| Noncurrent loans to loans | 0.7130% | 5,625 |
| Net loans and leases to total assets | 55.2731% | 5,446 |
| Net loans and leases to deposits | 77.6452% | 3,569 |
| Net loans and leases to core deposits | 80.5247% | 4,131 |
| Total domestic deposits to total assets | 71.1868% | 7,160 |
| Equity capital to assets | 19.8510% | 268 |
| Core capital (leverage) ratio | 14.7874% | 693 |
| Tier 1 risk-based capital ratio | 21.7081% | 1,218 |
| Total risk-based capital ratio | 22.9667% | 1,191 |
| Memoranda: | ||
| Average total assets | $187,208,200 | 3,268 |
| Average earning assets | $152,136,400 | 3,605 |
| Average equity | $35,923,400 | 1,838 |
| Average total loans | $104,226,800 | 3,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 4,887 |
| Cost of funding earning assets | 0.8567% | 6,558 |
| Net interest margin | 4.1294% | 2,490 |
| Noninterest income to average assets | 1.2576% | 869 |
| Noninterest expense to average assets | 2.8541% | 4,265 |
| Loan and lease loss provision to assets | 0.1606% | 5,428 |
| Net operating income to assets | 1.0297% | 2,140 |
| Return on assets (ROA) | 1.0297% | 2,246 |
| Pretax return on assets | 1.5994% | 1,346 |
| Return on Equity (ROE) | 5.4112% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.5583% | 5,174 |
| Net charge-offs to loans | -0.2092% | 7,624 |
| Credit loss provision to net charge-offs | -138.4146% | 6,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8558% | 5,646 |
| Assets per employee ($millions) | 3.2148% | 5,641 |
| Cash dividends to net income (ytd only)* | 71.2029% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9823% | 2,271 |
| Loan loss allowance to noncurrent loans | 464.0909% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 6,157 |
| Noncurrent loans to loans | 0.4271% | 6,350 |
| Net loans and leases to total assets | 55.1012% | 5,679 |
| Net loans and leases to deposits | 77.5657% | 3,910 |
| Net loans and leases to core deposits | 80.4346% | 4,464 |
| Total domestic deposits to total assets | 71.0381% | 7,215 |
| Equity capital to assets | 19.6834% | 303 |
| Core capital (leverage) ratio | 14.3542% | 843 |
| Tier 1 risk-based capital ratio | 21.5657% | 1,273 |
| Total risk-based capital ratio | 22.8234% | 1,251 |
| Memoranda: | ||
| Average total assets | $188,401,750 | 3,295 |
| Average earning assets | $153,142,500 | 3,636 |
| Average equity | $35,850,500 | 1,864 |
| Average total loans | $104,546,750 | 3,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9149% | 5,327 |
| Cost of funding earning assets | 0.8744% | 6,674 |
| Net interest margin | 4.0405% | 2,837 |
| Noninterest income to average assets | 1.2013% | 895 |
| Noninterest expense to average assets | 2.8508% | 4,261 |
| Loan and lease loss provision to assets | 0.1546% | 5,351 |
| Net operating income to assets | 0.8847% | 2,605 |
| Return on assets (ROA) | 0.8847% | 2,729 |
| Pretax return on assets | 1.4917% | 1,577 |
| Return on Equity (ROE) | 4.7012% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.1795% | 5,276 |
| Net charge-offs to loans | -0.3370% | 7,700 |
| Credit loss provision to net charge-offs | -83.0508% | 6,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3918% | 5,451 |
| Assets per employee ($millions) | 3.1130% | 5,889 |
| Cash dividends to net income (ytd only)* | 74.9108% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 2,379 |
| Loan loss allowance to noncurrent loans | 337.0307% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 6,069 |
| Noncurrent loans to loans | 0.5681% | 6,112 |
| Net loans and leases to total assets | 54.1729% | 5,967 |
| Net loans and leases to deposits | 75.5520% | 4,412 |
| Net loans and leases to core deposits | 78.1119% | 4,932 |
| Total domestic deposits to total assets | 71.7028% | 7,203 |
| Equity capital to assets | 19.2126% | 329 |
| Core capital (leverage) ratio | 13.8970% | 951 |
| Tier 1 risk-based capital ratio | 21.0873% | 1,325 |
| Total risk-based capital ratio | 22.3439% | 1,302 |
| Memoranda: | ||
| Average total assets | $190,122,000 | 3,300 |
| Average earning assets | $155,079,670 | 3,617 |
| Average equity | $35,778,000 | 1,863 |
| Average total loans | $105,059,000 | 3,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 5,725 |
| Cost of funding earning assets | 0.9251% | 6,675 |
| Net interest margin | 3.9149% | 3,261 |
| Noninterest income to average assets | 1.1179% | 1,004 |
| Noninterest expense to average assets | 2.8176% | 4,424 |
| Loan and lease loss provision to assets | 0.1481% | 5,065 |
| Net operating income to assets | 0.9719% | 2,298 |
| Return on assets (ROA) | 0.9719% | 2,357 |
| Pretax return on assets | 1.3473% | 1,913 |
| Return on Equity (ROE) | 5.2177% | 4,251 |
| Retained earnings to average equity (ytd only) | 1.2988% | 5,290 |
| Net charge-offs to loans | -0.6981% | 7,828 |
| Credit loss provision to net charge-offs | -38.3784% | 5,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3288% | 5,248 |
| Assets per employee ($millions) | 3.1682% | 5,839 |
| Cash dividends to net income (ytd only)* | 75.1073% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 2,680 |
| Loan loss allowance to noncurrent loans | 255.9732% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 6,107 |
| Noncurrent loans to loans | 0.7098% | 5,914 |
| Net loans and leases to total assets | 54.2148% | 6,003 |
| Net loans and leases to deposits | 75.0904% | 4,563 |
| Net loans and leases to core deposits | 77.2738% | 5,108 |
| Total domestic deposits to total assets | 72.1995% | 7,245 |
| Equity capital to assets | 18.8153% | 351 |
| Core capital (leverage) ratio | 13.6921% | 1,031 |
| Tier 1 risk-based capital ratio | 20.3447% | 1,459 |
| Total risk-based capital ratio | 21.6005% | 1,422 |
| Memoranda: | ||
| Average total assets | $191,794,000 | 3,342 |
| Average earning assets | $156,528,500 | 3,637 |
| Average equity | $35,724,500 | 1,885 |
| Average total loans | $106,009,500 | 3,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 5,619 |
| Cost of funding earning assets | 1.3226% | 6,228 |
| Net interest margin | 3.8844% | 3,330 |
| Noninterest income to average assets | 1.1948% | 1,077 |
| Noninterest expense to average assets | 2.6735% | 5,506 |
| Loan and lease loss provision to assets | 0.1365% | 6,280 |
| Net operating income to assets | 1.1078% | 1,491 |
| Return on assets (ROA) | 1.1078% | 1,524 |
| Pretax return on assets | 1.5722% | 1,026 |
| Return on Equity (ROE) | 6.2479% | 3,103 |
| Retained earnings to average equity (ytd only) | 1.6212% | 3,946 |
| Net charge-offs to loans | 0.1967% | 5,416 |
| Credit loss provision to net charge-offs | 121.3333% | 4,389 |
| Earnings coverage of net charge-offs (x) | 15.1911% | 1,322 |
| Efficiency ratio | 61.0084% | 6,329 |
| Assets per employee ($millions) | 3.1209% | 5,941 |
| Cash dividends to net income (ytd only)* | 74.0523% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,516 |
| Loan loss allowance to noncurrent loans | 282.2222% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 6,294 |
| Noncurrent loans to loans | 0.5464% | 6,149 |
| Net loans and leases to total assets | 54.4729% | 6,143 |
| Net loans and leases to deposits | 76.0156% | 4,741 |
| Net loans and leases to core deposits | 87.6227% | 5,369 |
| Total domestic deposits to total assets | 71.6602% | 7,274 |
| Equity capital to assets | 18.4410% | 415 |
| Core capital (leverage) ratio | 13.1909% | 1,189 |
| Tier 1 risk-based capital ratio | 19.7151% | 1,513 |
| Total risk-based capital ratio | 20.9678% | 1,477 |
| Memoranda: | ||
| Average total assets | $200,036,400 | 3,181 |
| Average earning assets | $164,143,000 | 3,440 |
| Average equity | $35,468,200 | 1,901 |
| Average total loans | $114,397,200 | 3,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 5,716 |
| Cost of funding earning assets | 1.3951% | 6,248 |
| Net interest margin | 3.8473% | 3,446 |
| Noninterest income to average assets | 1.1437% | 1,202 |
| Noninterest expense to average assets | 2.6690% | 5,461 |
| Loan and lease loss provision to assets | 0.1362% | 5,996 |
| Net operating income to assets | 1.0624% | 1,853 |
| Return on assets (ROA) | 1.0624% | 1,913 |
| Pretax return on assets | 1.5001% | 1,419 |
| Return on Equity (ROE) | 6.0501% | 3,506 |
| Retained earnings to average equity (ytd only) | 1.6151% | 4,410 |
| Net charge-offs to loans | 0.0574% | 6,131 |
| Credit loss provision to net charge-offs | 412.0000% | 964 |
| Earnings coverage of net charge-offs (x) | 49.4963% | 647 |
| Efficiency ratio | 61.9932% | 6,100 |
| Assets per employee ($millions) | 3.0475% | 6,047 |
| Cash dividends to net income (ytd only)* | 73.3045% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 3,101 |
| Loan loss allowance to noncurrent loans | 182.8482% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 6,147 |
| Noncurrent loans to loans | 0.8614% | 5,571 |
| Net loans and leases to total assets | 56.3574% | 6,101 |
| Net loans and leases to deposits | 78.5815% | 4,644 |
| Net loans and leases to core deposits | 90.9421% | 5,340 |
| Total domestic deposits to total assets | 71.7185% | 7,243 |
| Equity capital to assets | 18.2379% | 491 |
| Core capital (leverage) ratio | 12.8328% | 1,435 |
| Tier 1 risk-based capital ratio | 19.4005% | 1,666 |
| Total risk-based capital ratio | 20.6545% | 1,627 |
| Memoranda: | ||
| Average total assets | $201,671,000 | 3,184 |
| Average earning assets | $165,720,500 | 3,451 |
| Average equity | $35,414,500 | 1,920 |
| Average total loans | $116,232,750 | 3,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 5,810 |
| Cost of funding earning assets | 1.4832% | 6,204 |
| Net interest margin | 3.7825% | 3,627 |
| Noninterest income to average assets | 1.1134% | 1,282 |
| Noninterest expense to average assets | 2.6349% | 5,607 |
| Loan and lease loss provision to assets | 0.1305% | 5,790 |
| Net operating income to assets | 1.0231% | 2,028 |
| Return on assets (ROA) | 1.0231% | 2,113 |
| Pretax return on assets | 1.4577% | 1,567 |
| Return on Equity (ROE) | 5.8989% | 3,700 |
| Retained earnings to average equity (ytd only) | 1.8211% | 4,327 |
| Net charge-offs to loans | 0.0493% | 5,787 |
| Credit loss provision to net charge-offs | 458.6207% | 1,010 |
| Earnings coverage of net charge-offs (x) | 55.8276% | 630 |
| Efficiency ratio | 62.3926% | 6,184 |
| Assets per employee ($millions) | 3.1762% | 5,636 |
| Cash dividends to net income (ytd only)* | 69.1275% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,222 |
| Loan loss allowance to noncurrent loans | 173.1980% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 6,135 |
| Noncurrent loans to loans | 0.8639% | 5,489 |
| Net loans and leases to total assets | 55.2507% | 6,309 |
| Net loans and leases to deposits | 76.2054% | 5,140 |
| Net loans and leases to core deposits | 89.4262% | 5,579 |
| Total domestic deposits to total assets | 72.5023% | 7,186 |
| Equity capital to assets | 17.4297% | 612 |
| Core capital (leverage) ratio | 12.1217% | 1,784 |
| Tier 1 risk-based capital ratio | 18.6807% | 1,840 |
| Total risk-based capital ratio | 19.9363% | 1,792 |
| Memoranda: | ||
| Average total assets | $203,881,670 | 3,180 |
| Average earning assets | $167,615,670 | 3,436 |
| Average equity | $35,362,330 | 1,920 |
| Average total loans | $117,751,000 | 3,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 5,536 |
| Cost of funding earning assets | 1.6018% | 6,024 |
| Net interest margin | 3.7764% | 3,552 |
| Noninterest income to average assets | 1.0187% | 1,431 |
| Noninterest expense to average assets | 2.6114% | 5,409 |
| Loan and lease loss provision to assets | 0.1234% | 5,382 |
| Net operating income to assets | 0.9913% | 2,349 |
| Return on assets (ROA) | 0.9913% | 2,485 |
| Pretax return on assets | 1.3968% | 1,976 |
| Return on Equity (ROE) | 5.7292% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.2341% | 5,145 |
| Net charge-offs to loans | 0.0134% | 5,416 |
| Credit loss provision to net charge-offs | 1,575.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 220 |
| Efficiency ratio | 63.2053% | 5,831 |
| Assets per employee ($millions) | 3.1300% | 5,813 |
| Cash dividends to net income (ytd only)* | 78.4585% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,450 |
| Loan loss allowance to noncurrent loans | 246.2222% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 6,419 |
| Noncurrent loans to loans | 0.5724% | 5,975 |
| Net loans and leases to total assets | 56.2775% | 6,199 |
| Net loans and leases to deposits | 77.2246% | 5,054 |
| Net loans and leases to core deposits | 90.8244% | 5,474 |
| Total domestic deposits to total assets | 72.8751% | 7,074 |
| Equity capital to assets | 17.1049% | 711 |
| Core capital (leverage) ratio | 11.7705% | 2,017 |
| Tier 1 risk-based capital ratio | 18.0286% | 2,045 |
| Total risk-based capital ratio | 19.2806% | 1,994 |
| Memoranda: | ||
| Average total assets | $204,183,000 | 3,196 |
| Average earning assets | $168,310,500 | 3,447 |
| Average equity | $35,328,000 | 1,936 |
| Average total loans | $119,617,000 | 3,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2361% | 4,319 |
| Cost of funding earning assets | 2.3288% | 5,015 |
| Net interest margin | 3.9072% | 3,520 |
| Noninterest income to average assets | 1.0014% | 1,575 |
| Noninterest expense to average assets | 2.5568% | 5,804 |
| Loan and lease loss provision to assets | 0.1244% | 5,773 |
| Net operating income to assets | 1.0636% | 2,289 |
| Return on assets (ROA) | 1.0636% | 2,197 |
| Pretax return on assets | 1.5282% | 1,602 |
| Return on Equity (ROE) | 6.2732% | 3,835 |
| Retained earnings to average equity (ytd only) | 1.5619% | 4,283 |
| Net charge-offs to loans | 0.3705% | 2,989 |
| Credit loss provision to net charge-offs | 55.6522% | 6,279 |
| Earnings coverage of net charge-offs (x) | 7.3935% | 3,125 |
| Efficiency ratio | 60.7411% | 6,213 |
| Assets per employee ($millions) | 3.0574% | 5,909 |
| Cash dividends to net income (ytd only)* | 75.1028% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 3,645 |
| Loan loss allowance to noncurrent loans | 171.8114% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 5,678 |
| Noncurrent loans to loans | 0.7691% | 5,110 |
| Net loans and leases to total assets | 59.3256% | 6,011 |
| Net loans and leases to deposits | 82.2486% | 4,688 |
| Net loans and leases to core deposits | 97.4504% | 5,104 |
| Total domestic deposits to total assets | 72.1297% | 6,973 |
| Equity capital to assets | 17.5040% | 717 |
| Core capital (leverage) ratio | 11.5415% | 2,225 |
| Tier 1 risk-based capital ratio | 18.1719% | 1,998 |
| Total risk-based capital ratio | 19.4237% | 1,949 |
| Memoranda: | ||
| Average total assets | $205,802,000 | 3,054 |
| Average earning assets | $168,969,000 | 3,350 |
| Average equity | $34,894,400 | 1,938 |
| Average total loans | $124,141,000 | 3,375 |