Home > Simmons First Bank of Searcy > Performance and Condition Ratios
Simmons First Bank of Searcy, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,161 |
| Cost of funding earning assets | 0.5792% | 2,160 |
| Net interest margin | 3.5517% | 3,474 |
| Noninterest income to average assets | 1.0300% | 1,066 |
| Noninterest expense to average assets | 2.7978% | 3,575 |
| Loan and lease loss provision to assets | 0.0600% | 2,910 |
| Net operating income to assets | 0.8892% | 2,705 |
| Return on assets (ROA) | 0.8892% | 2,770 |
| Pretax return on assets | 1.1942% | 2,504 |
| Return on Equity (ROE) | 8.8485% | 2,530 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,379 |
| Net charge-offs to loans | -0.0488% | 5,794 |
| Credit loss provision to net charge-offs | -191.6667% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0476% | 3,993 |
| Assets per employee ($millions) | 3.7790% | 4,368 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,170 |
| Loan loss allowance to noncurrent loans | 94.5724% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 2,780 |
| Noncurrent loans to loans | 1.8566% | 2,053 |
| Net loans and leases to total assets | 62.2950% | 3,190 |
| Net loans and leases to deposits | 81.4044% | 2,116 |
| Net loans and leases to core deposits | 88.4237% | 2,049 |
| Total domestic deposits to total assets | 76.5253% | 6,025 |
| Equity capital to assets | 9.9970% | 3,849 |
| Core capital (leverage) ratio | 8.8296% | 5,232 |
| Tier 1 risk-based capital ratio | 12.8720% | 5,080 |
| Total risk-based capital ratio | 14.1282% | 5,017 |
| Memoranda: | ||
| Average total assets | $153,404,000 | 3,659 |
| Average earning assets | $130,528,000 | 3,824 |
| Average equity | $15,415,000 | 3,790 |
| Average total loans | $98,285,000 | 3,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 3,019 |
| Cost of funding earning assets | 0.6517% | 2,188 |
| Net interest margin | 3.6326% | 3,320 |
| Noninterest income to average assets | 1.3094% | 805 |
| Noninterest expense to average assets | 2.9414% | 3,227 |
| Loan and lease loss provision to assets | 0.0595% | 3,951 |
| Net operating income to assets | 0.9973% | 2,330 |
| Return on assets (ROA) | 0.9973% | 2,403 |
| Pretax return on assets | 1.3779% | 1,871 |
| Return on Equity (ROE) | 10.1214% | 2,062 |
| Retained earnings to average equity (ytd only) | 2.4992% | 4,478 |
| Net charge-offs to loans | 0.0476% | 4,559 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 48.3478% | 818 |
| Efficiency ratio | 67.1734% | 4,344 |
| Assets per employee ($millions) | 3.8941% | 4,076 |
| Cash dividends to net income (ytd only)* | 75.3078% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 2,342 |
| Loan loss allowance to noncurrent loans | 295.2797% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 4,928 |
| Noncurrent loans to loans | 0.5817% | 4,528 |
| Net loans and leases to total assets | 63.6316% | 3,111 |
| Net loans and leases to deposits | 83.4050% | 2,010 |
| Net loans and leases to core deposits | 91.4379% | 1,854 |
| Total domestic deposits to total assets | 76.2924% | 6,068 |
| Equity capital to assets | 10.1013% | 3,638 |
| Core capital (leverage) ratio | 8.2424% | 5,936 |
| Tier 1 risk-based capital ratio | 12.6514% | 5,202 |
| Total risk-based capital ratio | 13.9074% | 5,150 |
| Memoranda: | ||
| Average total assets | $154,723,800 | 3,628 |
| Average earning assets | $130,732,000 | 3,831 |
| Average equity | $15,245,000 | 3,823 |
| Average total loans | $96,687,200 | 3,539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 3,102 |
| Cost of funding earning assets | 0.6558% | 2,312 |
| Net interest margin | 3.6161% | 3,382 |
| Noninterest income to average assets | 1.3304% | 837 |
| Noninterest expense to average assets | 2.8933% | 3,326 |
| Loan and lease loss provision to assets | 0.0377% | 4,253 |
| Net operating income to assets | 1.0439% | 2,208 |
| Return on assets (ROA) | 1.0439% | 2,288 |
| Pretax return on assets | 1.4548% | 1,747 |
| Return on Equity (ROE) | 10.6605% | 1,936 |
| Retained earnings to average equity (ytd only) | 2.6629% | 4,726 |
| Net charge-offs to loans | -0.0485% | 6,296 |
| Credit loss provision to net charge-offs | -125.7143% | 5,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9691% | 4,489 |
| Assets per employee ($millions) | 3.7309% | 4,391 |
| Cash dividends to net income (ytd only)* | 75.0202% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,390 |
| Loan loss allowance to noncurrent loans | 361.0063% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 5,360 |
| Noncurrent loans to loans | 0.4914% | 4,971 |
| Net loans and leases to total assets | 59.4288% | 3,791 |
| Net loans and leases to deposits | 74.1526% | 3,211 |
| Net loans and leases to core deposits | 81.1261% | 2,984 |
| Total domestic deposits to total assets | 80.1439% | 5,465 |
| Equity capital to assets | 9.5357% | 4,507 |
| Core capital (leverage) ratio | 8.5470% | 5,727 |
| Tier 1 risk-based capital ratio | 12.6732% | 5,345 |
| Total risk-based capital ratio | 13.9291% | 5,286 |
| Memoranda: | ||
| Average total assets | $155,437,000 | 3,659 |
| Average earning assets | $131,334,500 | 3,855 |
| Average equity | $15,221,000 | 3,874 |
| Average total loans | $96,277,250 | 3,568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,701 |
| Cost of funding earning assets | 0.6774% | 2,244 |
| Net interest margin | 3.6863% | 3,005 |
| Noninterest income to average assets | 1.3396% | 871 |
| Noninterest expense to average assets | 2.9342% | 3,226 |
| Loan and lease loss provision to assets | 0.0078% | 4,696 |
| Net operating income to assets | 1.0678% | 2,042 |
| Return on assets (ROA) | 1.0678% | 2,160 |
| Pretax return on assets | 1.4905% | 1,642 |
| Return on Equity (ROE) | 10.8060% | 1,881 |
| Retained earnings to average equity (ytd only) | 3.3036% | 4,211 |
| Net charge-offs to loans | -0.0479% | 6,252 |
| Credit loss provision to net charge-offs | -26.0870% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1972% | 4,517 |
| Assets per employee ($millions) | 3.7920% | 4,229 |
| Cash dividends to net income (ytd only)* | 69.4275% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 2,770 |
| Loan loss allowance to noncurrent loans | 335.0701% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 5,396 |
| Noncurrent loans to loans | 0.5085% | 4,996 |
| Net loans and leases to total assets | 62.0477% | 3,276 |
| Net loans and leases to deposits | 77.4756% | 2,644 |
| Net loans and leases to core deposits | 87.9893% | 2,111 |
| Total domestic deposits to total assets | 80.0867% | 5,586 |
| Equity capital to assets | 9.8164% | 4,166 |
| Core capital (leverage) ratio | 8.4267% | 5,746 |
| Tier 1 risk-based capital ratio | 12.3478% | 5,601 |
| Total risk-based capital ratio | 13.6030% | 5,544 |
| Memoranda: | ||
| Average total assets | $153,773,000 | 3,706 |
| Average earning assets | $129,020,000 | 3,921 |
| Average equity | $15,195,330 | 3,909 |
| Average total loans | $96,015,330 | 3,590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 2,640 |
| Cost of funding earning assets | 0.6859% | 2,339 |
| Net interest margin | 3.6797% | 2,953 |
| Noninterest income to average assets | 1.3288% | 874 |
| Noninterest expense to average assets | 2.8642% | 3,487 |
| Loan and lease loss provision to assets | 0.0889% | 3,181 |
| Net operating income to assets | 1.0672% | 1,971 |
| Return on assets (ROA) | 1.0672% | 2,084 |
| Pretax return on assets | 1.4910% | 1,583 |
| Return on Equity (ROE) | 10.7638% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.5879% | 4,089 |
| Net charge-offs to loans | -0.0800% | 6,353 |
| Credit loss provision to net charge-offs | -178.9474% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4497% | 4,931 |
| Assets per employee ($millions) | 3.5720% | 4,834 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,641 |
| Loan loss allowance to noncurrent loans | 282.6667% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 5,183 |
| Noncurrent loans to loans | 0.6346% | 4,862 |
| Net loans and leases to total assets | 60.4530% | 3,352 |
| Net loans and leases to deposits | 76.2029% | 2,605 |
| Net loans and leases to core deposits | 87.0332% | 2,008 |
| Total domestic deposits to total assets | 79.3316% | 5,904 |
| Equity capital to assets | 9.9143% | 4,256 |
| Core capital (leverage) ratio | 8.5675% | 5,483 |
| Tier 1 risk-based capital ratio | 12.6338% | 5,485 |
| Total risk-based capital ratio | 13.8898% | 5,434 |
| Memoranda: | ||
| Average total assets | $152,922,500 | 3,759 |
| Average earning assets | $129,466,500 | 3,951 |
| Average equity | $15,162,000 | 3,962 |
| Average total loans | $94,953,000 | 3,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 2,440 |
| Cost of funding earning assets | 0.8082% | 2,602 |
| Net interest margin | 3.9273% | 2,710 |
| Noninterest income to average assets | 1.4544% | 743 |
| Noninterest expense to average assets | 2.9075% | 3,602 |
| Loan and lease loss provision to assets | 0.1511% | 3,723 |
| Net operating income to assets | 1.2261% | 1,516 |
| Return on assets (ROA) | 1.2261% | 1,685 |
| Pretax return on assets | 1.7338% | 1,061 |
| Return on Equity (ROE) | 10.2936% | 2,052 |
| Retained earnings to average equity (ytd only) | -20.2687% | 6,855 |
| Net charge-offs to loans | 0.2176% | 3,650 |
| Credit loss provision to net charge-offs | 109.4787% | 2,677 |
| Earnings coverage of net charge-offs (x) | 13.6540% | 1,804 |
| Efficiency ratio | 60.6689% | 5,434 |
| Assets per employee ($millions) | 3.3833% | 5,254 |
| Cash dividends to net income (ytd only)* | 296.9050% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 2,845 |
| Loan loss allowance to noncurrent loans | 269.7865% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 5,247 |
| Noncurrent loans to loans | 0.6387% | 4,922 |
| Net loans and leases to total assets | 61.5529% | 3,324 |
| Net loans and leases to deposits | 80.4638% | 2,224 |
| Net loans and leases to core deposits | 93.1245% | 1,543 |
| Total domestic deposits to total assets | 76.4976% | 6,287 |
| Equity capital to assets | 9.9154% | 4,285 |
| Core capital (leverage) ratio | 8.0031% | 6,190 |
| Tier 1 risk-based capital ratio | 12.3127% | 5,592 |
| Total risk-based capital ratio | 13.5683% | 5,540 |
| Memoranda: | ||
| Average total assets | $152,847,800 | 3,729 |
| Average earning assets | $129,910,800 | 3,899 |
| Average equity | $18,205,400 | 3,441 |
| Average total loans | $96,952,200 | 3,594 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 2,478 |
| Cost of funding earning assets | 0.8278% | 2,724 |
| Net interest margin | 3.9480% | 2,710 |
| Noninterest income to average assets | 1.4161% | 749 |
| Noninterest expense to average assets | 2.9185% | 3,521 |
| Loan and lease loss provision to assets | 0.1830% | 3,304 |
| Net operating income to assets | 1.1956% | 1,760 |
| Return on assets (ROA) | 1.1956% | 1,933 |
| Pretax return on assets | 1.6854% | 1,309 |
| Return on Equity (ROE) | 9.6366% | 2,525 |
| Retained earnings to average equity (ytd only) | 2.8657% | 4,835 |
| Net charge-offs to loans | 0.2191% | 3,416 |
| Credit loss provision to net charge-offs | 131.2500% | 2,194 |
| Earnings coverage of net charge-offs (x) | 13.3999% | 1,915 |
| Efficiency ratio | 60.9685% | 5,319 |
| Assets per employee ($millions) | 3.6533% | 4,647 |
| Cash dividends to net income (ytd only)* | 70.2622% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 2,996 |
| Loan loss allowance to noncurrent loans | 278.3694% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 5,747 |
| Noncurrent loans to loans | 0.6250% | 5,186 |
| Net loans and leases to total assets | 60.1509% | 3,751 |
| Net loans and leases to deposits | 77.8312% | 2,687 |
| Net loans and leases to core deposits | 89.7546% | 2,014 |
| Total domestic deposits to total assets | 77.2837% | 6,194 |
| Equity capital to assets | 12.2242% | 2,094 |
| Core capital (leverage) ratio | 10.9411% | 2,450 |
| Tier 1 risk-based capital ratio | 16.2938% | 3,115 |
| Total risk-based capital ratio | 17.5502% | 3,077 |
| Memoranda: | ||
| Average total assets | $152,997,750 | 3,772 |
| Average earning assets | $130,629,750 | 3,922 |
| Average equity | $18,982,750 | 3,369 |
| Average total loans | $97,351,250 | 3,625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 2,399 |
| Cost of funding earning assets | 0.8632% | 2,702 |
| Net interest margin | 3.9635% | 2,664 |
| Noninterest income to average assets | 1.3876% | 750 |
| Noninterest expense to average assets | 2.9914% | 3,284 |
| Loan and lease loss provision to assets | 0.1833% | 3,270 |
| Net operating income to assets | 1.1501% | 1,878 |
| Return on assets (ROA) | 1.1501% | 2,090 |
| Pretax return on assets | 1.6105% | 1,516 |
| Return on Equity (ROE) | 9.2230% | 2,704 |
| Retained earnings to average equity (ytd only) | 2.4538% | 4,962 |
| Net charge-offs to loans | 0.2721% | 2,951 |
| Credit loss provision to net charge-offs | 104.5113% | 2,605 |
| Earnings coverage of net charge-offs (x) | 10.2256% | 2,081 |
| Efficiency ratio | 62.5138% | 5,164 |
| Assets per employee ($millions) | 3.5660% | 4,827 |
| Cash dividends to net income (ytd only)* | 73.3945% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,319 |
| Loan loss allowance to noncurrent loans | 165.7172% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 5,170 |
| Noncurrent loans to loans | 1.0130% | 4,485 |
| Net loans and leases to total assets | 62.2179% | 3,387 |
| Net loans and leases to deposits | 81.0846% | 2,218 |
| Net loans and leases to core deposits | 93.9636% | 1,609 |
| Total domestic deposits to total assets | 76.7321% | 6,372 |
| Equity capital to assets | 12.4064% | 1,872 |
| Core capital (leverage) ratio | 10.6709% | 2,638 |
| Tier 1 risk-based capital ratio | 16.0619% | 3,138 |
| Total risk-based capital ratio | 17.3170% | 3,100 |
| Memoranda: | ||
| Average total assets | $151,633,670 | 3,811 |
| Average earning assets | $129,986,330 | 3,961 |
| Average equity | $18,909,330 | 3,365 |
| Average total loans | $97,747,000 | 3,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 2,126 |
| Cost of funding earning assets | 0.9026% | 2,666 |
| Net interest margin | 4.0295% | 2,374 |
| Noninterest income to average assets | 1.4246% | 718 |
| Noninterest expense to average assets | 2.9951% | 3,267 |
| Loan and lease loss provision to assets | 0.1804% | 3,170 |
| Net operating income to assets | 1.2150% | 1,693 |
| Return on assets (ROA) | 1.2150% | 1,875 |
| Pretax return on assets | 1.7191% | 1,257 |
| Return on Equity (ROE) | 9.7178% | 2,509 |
| Retained earnings to average equity (ytd only) | 2.7159% | 4,900 |
| Net charge-offs to loans | 0.1998% | 2,921 |
| Credit loss provision to net charge-offs | 138.7755% | 1,774 |
| Earnings coverage of net charge-offs (x) | 14.6122% | 1,457 |
| Efficiency ratio | 61.1924% | 5,424 |
| Assets per employee ($millions) | 3.6247% | 4,810 |
| Cash dividends to net income (ytd only)* | 72.0524% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 3,347 |
| Loan loss allowance to noncurrent loans | 364.8889% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,168 |
| Noncurrent loans to loans | 0.4662% | 5,743 |
| Net loans and leases to total assets | 60.8745% | 3,473 |
| Net loans and leases to deposits | 77.7531% | 2,557 |
| Net loans and leases to core deposits | 90.1557% | 1,838 |
| Total domestic deposits to total assets | 78.2921% | 6,229 |
| Equity capital to assets | 12.1372% | 1,949 |
| Core capital (leverage) ratio | 10.9229% | 2,323 |
| Tier 1 risk-based capital ratio | 16.1229% | 3,108 |
| Total risk-based capital ratio | 17.3790% | 3,075 |
| Memoranda: | ||
| Average total assets | $150,780,500 | 3,855 |
| Average earning assets | $129,844,000 | 3,992 |
| Average equity | $18,852,000 | 3,375 |
| Average total loans | $98,103,500 | 3,641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 1,657 |
| Cost of funding earning assets | 1.1208% | 2,531 |
| Net interest margin | 4.1938% | 2,082 |
| Noninterest income to average assets | 1.3687% | 684 |
| Noninterest expense to average assets | 2.6370% | 4,972 |
| Loan and lease loss provision to assets | 0.1724% | 4,475 |
| Net operating income to assets | 1.4757% | 874 |
| Return on assets (ROA) | 1.4757% | 950 |
| Pretax return on assets | 2.1481% | 405 |
| Return on Equity (ROE) | 12.0737% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.1779% | 3,956 |
| Net charge-offs to loans | 0.2720% | 4,070 |
| Credit loss provision to net charge-offs | 94.2238% | 3,826 |
| Earnings coverage of net charge-offs (x) | 12.6823% | 1,601 |
| Efficiency ratio | 53.1912% | 6,588 |
| Assets per employee ($millions) | 3.3884% | 5,274 |
| Cash dividends to net income (ytd only)* | 73.6795% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,471 |
| Loan loss allowance to noncurrent loans | 366.3657% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 5,996 |
| Noncurrent loans to loans | 0.4444% | 5,822 |
| Net loans and leases to total assets | 67.3043% | 2,516 |
| Net loans and leases to deposits | 87.3799% | 1,466 |
| Net loans and leases to core deposits | 100.6590% | 1,120 |
| Total domestic deposits to total assets | 77.0249% | 6,338 |
| Equity capital to assets | 12.8942% | 1,547 |
| Core capital (leverage) ratio | 10.7452% | 2,481 |
| Tier 1 risk-based capital ratio | 15.7075% | 3,210 |
| Total risk-based capital ratio | 16.9622% | 3,171 |
| Memoranda: | ||
| Average total assets | $151,386,800 | 3,776 |
| Average earning assets | $129,548,600 | 3,940 |
| Average equity | $18,503,000 | 3,361 |
| Average total loans | $101,839,800 | 3,575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 1,908 |
| Cost of funding earning assets | 1.1525% | 2,622 |
| Net interest margin | 4.1353% | 2,329 |
| Noninterest income to average assets | 1.3158% | 757 |
| Noninterest expense to average assets | 2.5661% | 5,214 |
| Loan and lease loss provision to assets | 0.1763% | 4,274 |
| Net operating income to assets | 1.4484% | 1,056 |
| Return on assets (ROA) | 1.4484% | 1,128 |
| Pretax return on assets | 2.1080% | 512 |
| Return on Equity (ROE) | 12.0078% | 1,549 |
| Retained earnings to average equity (ytd only) | 3.3275% | 4,354 |
| Net charge-offs to loans | 0.2696% | 3,751 |
| Credit loss provision to net charge-offs | 97.5845% | 3,510 |
| Earnings coverage of net charge-offs (x) | 12.6475% | 1,686 |
| Efficiency ratio | 52.9052% | 6,604 |
| Assets per employee ($millions) | 3.6704% | 4,596 |
| Cash dividends to net income (ytd only)* | 72.2891% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 3,459 |
| Loan loss allowance to noncurrent loans | 280.7560% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 5,632 |
| Noncurrent loans to loans | 0.5865% | 5,700 |
| Net loans and leases to total assets | 63.3125% | 3,450 |
| Net loans and leases to deposits | 80.1254% | 2,633 |
| Net loans and leases to core deposits | 91.9670% | 1,996 |
| Total domestic deposits to total assets | 79.0167% | 5,980 |
| Equity capital to assets | 12.1092% | 2,164 |
| Core capital (leverage) ratio | 10.7445% | 2,622 |
| Tier 1 risk-based capital ratio | 15.5088% | 3,382 |
| Total risk-based capital ratio | 16.7639% | 3,345 |
| Memoranda: | ||
| Average total assets | $152,808,250 | 3,777 |
| Average earning assets | $130,611,250 | 3,945 |
| Average equity | $18,432,000 | 3,366 |
| Average total loans | $102,378,250 | 3,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 1,995 |
| Cost of funding earning assets | 1.1772% | 2,726 |
| Net interest margin | 4.0906% | 2,446 |
| Noninterest income to average assets | 1.2615% | 790 |
| Noninterest expense to average assets | 2.5834% | 5,247 |
| Loan and lease loss provision to assets | 0.1693% | 4,239 |
| Net operating income to assets | 1.4033% | 1,074 |
| Return on assets (ROA) | 1.4033% | 1,139 |
| Pretax return on assets | 2.0347% | 552 |
| Return on Equity (ROE) | 11.6489% | 1,589 |
| Retained earnings to average equity (ytd only) | 3.2909% | 4,166 |
| Net charge-offs to loans | 0.0058% | 5,795 |
| Credit loss provision to net charge-offs | 4,300.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 559.6667% | 57 |
| Efficiency ratio | 53.9622% | 6,625 |
| Assets per employee ($millions) | 3.7509% | 4,316 |
| Cash dividends to net income (ytd only)* | 71.7493% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,218 |
| Loan loss allowance to noncurrent loans | 217.0972% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 5,696 |
| Noncurrent loans to loans | 0.7973% | 5,321 |
| Net loans and leases to total assets | 65.1561% | 3,216 |
| Net loans and leases to deposits | 82.2513% | 2,414 |
| Net loans and leases to core deposits | 95.5779% | 1,724 |
| Total domestic deposits to total assets | 79.2159% | 6,029 |
| Equity capital to assets | 12.0356% | 2,064 |
| Core capital (leverage) ratio | 10.4148% | 2,803 |
| Tier 1 risk-based capital ratio | 14.8426% | 3,585 |
| Total risk-based capital ratio | 16.0984% | 3,549 |
| Memoranda: | ||
| Average total assets | $152,359,000 | 3,811 |
| Average earning assets | $131,326,670 | 3,951 |
| Average equity | $18,353,670 | 3,362 |
| Average total loans | $103,426,330 | 3,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 1,554 |
| Cost of funding earning assets | 1.2158% | 2,711 |
| Net interest margin | 4.1846% | 1,950 |
| Noninterest income to average assets | 1.1949% | 897 |
| Noninterest expense to average assets | 2.6720% | 4,954 |
| Loan and lease loss provision to assets | 0.1372% | 4,294 |
| Net operating income to assets | 1.3743% | 1,107 |
| Return on assets (ROA) | 1.3743% | 1,157 |
| Pretax return on assets | 1.9809% | 576 |
| Return on Equity (ROE) | 11.4029% | 1,622 |
| Retained earnings to average equity (ytd only) | 3.1079% | 4,303 |
| Net charge-offs to loans | -0.1306% | 7,161 |
| Credit loss provision to net charge-offs | -152.9412% | 5,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7819% | 6,527 |
| Assets per employee ($millions) | 3.6930% | 4,559 |
| Cash dividends to net income (ytd only)* | 72.7447% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 3,335 |
| Loan loss allowance to noncurrent loans | 259.0090% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 5,881 |
| Noncurrent loans to loans | 0.6572% | 5,716 |
| Net loans and leases to total assets | 65.7918% | 3,067 |
| Net loans and leases to deposits | 82.8800% | 2,202 |
| Net loans and leases to core deposits | 96.1118% | 1,668 |
| Total domestic deposits to total assets | 79.3819% | 6,095 |
| Equity capital to assets | 12.1167% | 1,850 |
| Core capital (leverage) ratio | 10.2013% | 2,930 |
| Tier 1 risk-based capital ratio | 14.5968% | 3,676 |
| Total risk-based capital ratio | 15.8529% | 3,630 |
| Memoranda: | ||
| Average total assets | $151,645,500 | 3,854 |
| Average earning assets | $130,287,500 | 4,023 |
| Average equity | $18,276,000 | 3,362 |
| Average total loans | $104,156,500 | 3,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 1,648 |
| Cost of funding earning assets | 1.3433% | 3,627 |
| Net interest margin | 4.3350% | 1,698 |
| Noninterest income to average assets | 1.4945% | 649 |
| Noninterest expense to average assets | 2.7073% | 4,961 |
| Loan and lease loss provision to assets | 0.2253% | 5,026 |
| Net operating income to assets | 1.5840% | 635 |
| Return on assets (ROA) | 1.5840% | 694 |
| Pretax return on assets | 2.3388% | 239 |
| Return on Equity (ROE) | 13.3476% | 1,011 |
| Retained earnings to average equity (ytd only) | 3.5184% | 3,395 |
| Net charge-offs to loans | 0.2281% | 4,917 |
| Credit loss provision to net charge-offs | 138.7755% | 2,744 |
| Earnings coverage of net charge-offs (x) | 15.7918% | 1,258 |
| Efficiency ratio | 51.3578% | 7,036 |
| Assets per employee ($millions) | 3.7044% | 4,451 |
| Cash dividends to net income (ytd only)* | 73.6402% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,851 |
| Loan loss allowance to noncurrent loans | 231.4972% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 5,467 |
| Noncurrent loans to loans | 0.6619% | 5,723 |
| Net loans and leases to total assets | 69.3528% | 2,699 |
| Net loans and leases to deposits | 88.5263% | 1,717 |
| Net loans and leases to core deposits | 102.4381% | 1,420 |
| Total domestic deposits to total assets | 78.3415% | 6,247 |
| Equity capital to assets | 11.9871% | 1,924 |
| Core capital (leverage) ratio | 10.1745% | 2,895 |
| Tier 1 risk-based capital ratio | 13.7945% | 3,994 |
| Total risk-based capital ratio | 15.0478% | 3,976 |
| Memoranda: | ||
| Average total assets | $150,886,200 | 3,857 |
| Average earning assets | $131,465,800 | 3,986 |
| Average equity | $17,905,800 | 3,442 |
| Average total loans | $107,408,000 | 3,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 1,877 |
| Cost of funding earning assets | 1.3634% | 3,814 |
| Net interest margin | 4.2881% | 1,886 |
| Noninterest income to average assets | 1.4772% | 621 |
| Noninterest expense to average assets | 2.7128% | 4,827 |
| Loan and lease loss provision to assets | 0.2230% | 4,822 |
| Net operating income to assets | 1.5560% | 816 |
| Return on assets (ROA) | 1.5560% | 894 |
| Pretax return on assets | 2.2995% | 340 |
| Return on Equity (ROE) | 13.1455% | 1,218 |
| Retained earnings to average equity (ytd only) | 3.7836% | 3,804 |
| Net charge-offs to loans | 0.0372% | 6,191 |
| Credit loss provision to net charge-offs | 840.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 94.9978% | 326 |
| Efficiency ratio | 51.8174% | 6,997 |
| Assets per employee ($millions) | 3.5234% | 4,921 |
| Cash dividends to net income (ytd only)* | 71.2173% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,476 |
| Loan loss allowance to noncurrent loans | 357.4899% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 6,050 |
| Noncurrent loans to loans | 0.4510% | 6,287 |
| Net loans and leases to total assets | 71.1351% | 2,454 |
| Net loans and leases to deposits | 91.1786% | 1,550 |
| Net loans and leases to core deposits | 105.4788% | 1,363 |
| Total domestic deposits to total assets | 78.0174% | 6,254 |
| Equity capital to assets | 11.9421% | 2,192 |
| Core capital (leverage) ratio | 10.1011% | 3,148 |
| Tier 1 risk-based capital ratio | 13.4313% | 4,242 |
| Total risk-based capital ratio | 14.6858% | 4,199 |
| Memoranda: | ||
| Average total assets | $150,637,750 | 3,916 |
| Average earning assets | $132,021,500 | 4,031 |
| Average equity | $17,830,750 | 3,501 |
| Average total loans | $107,517,000 | 3,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5521% | 2,327 |
| Cost of funding earning assets | 1.3699% | 4,061 |
| Net interest margin | 4.1822% | 2,212 |
| Noninterest income to average assets | 1.4300% | 621 |
| Noninterest expense to average assets | 2.7323% | 4,775 |
| Loan and lease loss provision to assets | 0.2315% | 4,602 |
| Net operating income to assets | 1.4407% | 1,012 |
| Return on assets (ROA) | 1.4407% | 1,081 |
| Pretax return on assets | 2.1537% | 445 |
| Return on Equity (ROE) | 12.2074% | 1,401 |
| Retained earnings to average equity (ytd only) | 3.1787% | 4,087 |
| Net charge-offs to loans | 0.0524% | 5,653 |
| Credit loss provision to net charge-offs | 621.4286% | 588 |
| Earnings coverage of net charge-offs (x) | 64.0357% | 484 |
| Efficiency ratio | 53.3923% | 6,946 |
| Assets per employee ($millions) | 3.3184% | 5,390 |
| Cash dividends to net income (ytd only)* | 73.9612% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 3,601 |
| Loan loss allowance to noncurrent loans | 350.6224% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 6,123 |
| Noncurrent loans to loans | 0.4468% | 6,353 |
| Net loans and leases to total assets | 69.5623% | 3,001 |
| Net loans and leases to deposits | 90.3786% | 1,795 |
| Net loans and leases to core deposits | 106.2286% | 1,421 |
| Total domestic deposits to total assets | 76.9676% | 6,512 |
| Equity capital to assets | 11.7160% | 2,269 |
| Core capital (leverage) ratio | 10.0275% | 3,133 |
| Tier 1 risk-based capital ratio | 13.2342% | 4,262 |
| Total risk-based capital ratio | 14.4880% | 4,218 |
| Memoranda: | ||
| Average total assets | $150,348,330 | 3,947 |
| Average earning assets | $132,562,000 | 4,045 |
| Average equity | $17,743,330 | 3,503 |
| Average total loans | $106,842,670 | 3,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4921% | 2,626 |
| Cost of funding earning assets | 1.4046% | 4,142 |
| Net interest margin | 4.0875% | 2,494 |
| Noninterest income to average assets | 1.3324% | 681 |
| Noninterest expense to average assets | 2.7105% | 4,856 |
| Loan and lease loss provision to assets | 0.2198% | 4,301 |
| Net operating income to assets | 1.4156% | 1,041 |
| Return on assets (ROA) | 1.4156% | 1,110 |
| Pretax return on assets | 2.0456% | 559 |
| Return on Equity (ROE) | 11.9504% | 1,515 |
| Retained earnings to average equity (ytd only) | 4.0287% | 3,735 |
| Net charge-offs to loans | 0.0113% | 5,428 |
| Credit loss provision to net charge-offs | 2,733.3333% | 187 |
| Earnings coverage of net charge-offs (x) | 281.6667% | 116 |
| Efficiency ratio | 54.4720% | 6,931 |
| Assets per employee ($millions) | 3.0972% | 6,007 |
| Cash dividends to net income (ytd only)* | 66.2879% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 3,680 |
| Loan loss allowance to noncurrent loans | 396.8215% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 6,231 |
| Noncurrent loans to loans | 0.3895% | 6,502 |
| Net loans and leases to total assets | 69.5433% | 3,045 |
| Net loans and leases to deposits | 89.9762% | 1,906 |
| Net loans and leases to core deposits | 104.3438% | 1,711 |
| Total domestic deposits to total assets | 77.2909% | 6,497 |
| Equity capital to assets | 11.9482% | 2,066 |
| Core capital (leverage) ratio | 10.0730% | 3,073 |
| Tier 1 risk-based capital ratio | 13.5091% | 3,977 |
| Total risk-based capital ratio | 14.7627% | 3,940 |
| Memoranda: | ||
| Average total assets | $149,199,500 | 4,025 |
| Average earning assets | $132,992,000 | 4,100 |
| Average equity | $17,673,000 | 3,542 |
| Average total loans | $106,327,000 | 3,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7571% | 2,833 |
| Cost of funding earning assets | 1.7524% | 4,238 |
| Net interest margin | 4.0047% | 2,840 |
| Noninterest income to average assets | 1.5397% | 602 |
| Noninterest expense to average assets | 2.9497% | 4,339 |
| Loan and lease loss provision to assets | 0.2013% | 5,733 |
| Net operating income to assets | 1.3451% | 953 |
| Return on assets (ROA) | 1.3451% | 998 |
| Pretax return on assets | 1.9383% | 464 |
| Return on Equity (ROE) | 11.4655% | 1,303 |
| Retained earnings to average equity (ytd only) | 2.7814% | 3,213 |
| Net charge-offs to loans | 0.2420% | 5,110 |
| Credit loss provision to net charge-offs | 115.5039% | 4,718 |
| Earnings coverage of net charge-offs (x) | 12.2752% | 1,522 |
| Efficiency ratio | 57.9583% | 6,764 |
| Assets per employee ($millions) | 2.9946% | 6,241 |
| Cash dividends to net income (ytd only)* | 75.7408% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 4,055 |
| Loan loss allowance to noncurrent loans | 222.4784% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 5,945 |
| Noncurrent loans to loans | 0.6447% | 5,950 |
| Net loans and leases to total assets | 70.8593% | 3,042 |
| Net loans and leases to deposits | 93.2566% | 1,699 |
| Net loans and leases to core deposits | 126.3204% | 1,489 |
| Total domestic deposits to total assets | 75.9831% | 6,684 |
| Equity capital to assets | 11.7430% | 2,168 |
| Core capital (leverage) ratio | 9.7403% | 3,397 |
| Tier 1 risk-based capital ratio | 13.0434% | 4,117 |
| Total risk-based capital ratio | 14.2959% | 4,060 |
| Memoranda: | ||
| Average total assets | $148,015,000 | 3,985 |
| Average earning assets | $131,194,400 | 4,062 |
| Average equity | $17,365,200 | 3,600 |
| Average total loans | $106,605,800 | 3,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7842% | 2,961 |
| Cost of funding earning assets | 1.8187% | 4,297 |
| Net interest margin | 3.9654% | 2,963 |
| Noninterest income to average assets | 1.5566% | 613 |
| Noninterest expense to average assets | 2.9921% | 4,075 |
| Loan and lease loss provision to assets | 0.2069% | 5,329 |
| Net operating income to assets | 1.3000% | 1,215 |
| Return on assets (ROA) | 1.3000% | 1,294 |
| Pretax return on assets | 1.8637% | 708 |
| Return on Equity (ROE) | 11.0834% | 1,599 |
| Retained earnings to average equity (ytd only) | 2.8421% | 3,743 |
| Net charge-offs to loans | 0.2031% | 4,775 |
| Credit loss provision to net charge-offs | 141.3580% | 3,474 |
| Earnings coverage of net charge-offs (x) | 14.1484% | 1,621 |
| Efficiency ratio | 59.1006% | 6,551 |
| Assets per employee ($millions) | 3.1751% | 5,712 |
| Cash dividends to net income (ytd only)* | 74.3571% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 3,739 |
| Loan loss allowance to noncurrent loans | 284.6014% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 6,556 |
| Noncurrent loans to loans | 0.5059% | 6,293 |
| Net loans and leases to total assets | 72.0614% | 3,024 |
| Net loans and leases to deposits | 94.4650% | 1,796 |
| Net loans and leases to core deposits | 126.1857% | 1,715 |
| Total domestic deposits to total assets | 76.2837% | 6,534 |
| Equity capital to assets | 11.7221% | 2,414 |
| Core capital (leverage) ratio | 9.9698% | 3,320 |
| Tier 1 risk-based capital ratio | 12.8658% | 4,284 |
| Total risk-based capital ratio | 14.1185% | 4,223 |
| Memoranda: | ||
| Average total assets | $147,585,750 | 4,013 |
| Average earning assets | $130,491,250 | 4,094 |
| Average equity | $17,310,750 | 3,644 |
| Average total loans | $106,346,500 | 3,816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7623% | 3,238 |
| Cost of funding earning assets | 1.9331% | 4,096 |
| Net interest margin | 3.8292% | 3,420 |
| Noninterest income to average assets | 1.5438% | 624 |
| Noninterest expense to average assets | 3.0332% | 3,959 |
| Loan and lease loss provision to assets | 0.2040% | 5,011 |
| Net operating income to assets | 1.1888% | 1,506 |
| Return on assets (ROA) | 1.1888% | 1,591 |
| Pretax return on assets | 1.6880% | 1,038 |
| Return on Equity (ROE) | 10.1333% | 1,975 |
| Retained earnings to average equity (ytd only) | 2.5971% | 3,881 |
| Net charge-offs to loans | 0.2675% | 3,855 |
| Credit loss provision to net charge-offs | 106.3830% | 4,329 |
| Earnings coverage of net charge-offs (x) | 9.8652% | 2,064 |
| Efficiency ratio | 61.5852% | 6,302 |
| Assets per employee ($millions) | 2.7492% | 6,739 |
| Cash dividends to net income (ytd only)* | 74.3707% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,692 |
| Loan loss allowance to noncurrent loans | 200.3974% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 6,114 |
| Noncurrent loans to loans | 0.7016% | 5,843 |
| Net loans and leases to total assets | 74.2145% | 2,648 |
| Net loans and leases to deposits | 97.9026% | 1,532 |
| Net loans and leases to core deposits | 127.4791% | 1,744 |
| Total domestic deposits to total assets | 75.8044% | 6,593 |
| Equity capital to assets | 12.1293% | 2,133 |
| Core capital (leverage) ratio | 9.8586% | 3,441 |
| Tier 1 risk-based capital ratio | 12.9353% | 4,195 |
| Total risk-based capital ratio | 14.1881% | 4,102 |
| Memoranda: | ||
| Average total assets | $147,037,330 | 4,052 |
| Average earning assets | $129,845,000 | 4,136 |
| Average equity | $17,250,000 | 3,674 |
| Average total loans | $105,425,670 | 3,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 3,409 |
| Cost of funding earning assets | 2.0703% | 3,793 |
| Net interest margin | 3.7083% | 3,859 |
| Noninterest income to average assets | 1.5053% | 627 |
| Noninterest expense to average assets | 2.8039% | 4,545 |
| Loan and lease loss provision to assets | 0.1798% | 4,649 |
| Net operating income to assets | 1.2477% | 1,513 |
| Return on assets (ROA) | 1.2477% | 1,622 |
| Pretax return on assets | 1.7897% | 994 |
| Return on Equity (ROE) | 10.8108% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.6734% | 3,861 |
| Net charge-offs to loans | 0.3604% | 2,651 |
| Credit loss provision to net charge-offs | 71.2766% | 4,335 |
| Earnings coverage of net charge-offs (x) | 7.8085% | 2,295 |
| Efficiency ratio | 58.7409% | 6,580 |
| Assets per employee ($millions) | 2.9310% | 6,340 |
| Cash dividends to net income (ytd only)* | 66.0215% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 3,345 |
| Loan loss allowance to noncurrent loans | 239.7727% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,073 |
| Noncurrent loans to loans | 0.5964% | 5,902 |
| Net loans and leases to total assets | 69.4700% | 3,802 |
| Net loans and leases to deposits | 88.5542% | 3,187 |
| Net loans and leases to core deposits | 117.5339% | 2,637 |
| Total domestic deposits to total assets | 78.4491% | 5,877 |
| Equity capital to assets | 11.8041% | 2,377 |
| Core capital (leverage) ratio | 9.4802% | 4,010 |
| Tier 1 risk-based capital ratio | 13.0967% | 4,125 |
| Total risk-based capital ratio | 14.3494% | 4,033 |
| Memoranda: | ||
| Average total assets | $149,076,000 | 4,026 |
| Average earning assets | $131,380,000 | 4,123 |
| Average equity | $17,205,000 | 3,695 |
| Average total loans | $104,333,500 | 3,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3609% | 3,636 |
| Cost of funding earning assets | 3.0753% | 1,589 |
| Net interest margin | 3.2856% | 6,088 |
| Noninterest income to average assets | 1.1377% | 1,201 |
| Noninterest expense to average assets | 2.4291% | 6,300 |
| Loan and lease loss provision to assets | 0.1446% | 5,508 |
| Net operating income to assets | 1.0263% | 2,450 |
| Return on assets (ROA) | 1.0263% | 2,333 |
| Pretax return on assets | 1.4750% | 1,752 |
| Return on Equity (ROE) | 9.0744% | 2,615 |
| Retained earnings to average equity (ytd only) | -11.6251% | 7,217 |
| Net charge-offs to loans | 0.1581% | 4,618 |
| Credit loss provision to net charge-offs | 135.3659% | 3,940 |
| Earnings coverage of net charge-offs (x) | 15.1646% | 1,954 |
| Efficiency ratio | 59.9968% | 6,339 |
| Assets per employee ($millions) | 2.9154% | 6,256 |
| Cash dividends to net income (ytd only)* | 228.1091% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,047 |
| Loan loss allowance to noncurrent loans | 374.1294% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 6,352 |
| Noncurrent loans to loans | 0.3815% | 6,203 |
| Net loans and leases to total assets | 68.5200% | 4,358 |
| Net loans and leases to deposits | 86.2078% | 4,088 |
| Net loans and leases to core deposits | 119.9199% | 2,694 |
| Total domestic deposits to total assets | 79.4823% | 5,210 |
| Equity capital to assets | 11.2869% | 2,818 |
| Core capital (leverage) ratio | 8.8862% | 4,915 |
| Tier 1 risk-based capital ratio | 12.7548% | 4,258 |
| Total risk-based capital ratio | 14.0074% | 4,176 |
| Memoranda: | ||
| Average total assets | $153,556,800 | 3,833 |
| Average earning assets | $136,049,800 | 3,928 |
| Average equity | $17,367,600 | 3,670 |
| Average total loans | $103,763,400 | 3,854 |