Home > Simmons First Bank of South Arkansas > Performance and Condition Ratios
Simmons First Bank of South Arkansas, 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 | 3.3376% | 5,739 |
| Cost of funding earning assets | 0.2500% | 5,487 |
| Net interest margin | 3.0877% | 5,294 |
| Noninterest income to average assets | 1.2846% | 715 |
| Noninterest expense to average assets | 2.3551% | 5,007 |
| Loan and lease loss provision to assets | 0.0328% | 3,632 |
| Net operating income to assets | 1.1612% | 1,717 |
| Return on assets (ROA) | 1.1648% | 1,774 |
| Pretax return on assets | 1.6985% | 1,025 |
| Return on Equity (ROE) | 13.8349% | 990 |
| Retained earnings to average equity (ytd only) | 3.9181% | 3,689 |
| Net charge-offs to loans | 0.0206% | 3,803 |
| Credit loss provision to net charge-offs | 290.9091% | 880 |
| Earnings coverage of net charge-offs (x) | 153.1818% | 405 |
| Efficiency ratio | 57.7058% | 5,591 |
| Assets per employee ($millions) | 5.3940% | 1,788 |
| Cash dividends to net income (ytd only)* | 71.6799% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 3,448 |
| Loan loss allowance to noncurrent loans | 617.6707% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,760 |
| Noncurrent loans to loans | 0.2236% | 5,333 |
| Net loans and leases to total assets | 58.1660% | 3,969 |
| Net loans and leases to deposits | 65.8995% | 4,277 |
| Net loans and leases to core deposits | 69.5473% | 4,313 |
| Total domestic deposits to total assets | 88.2647% | 1,754 |
| Equity capital to assets | 8.8294% | 5,493 |
| Core capital (leverage) ratio | 8.2767% | 5,865 |
| Tier 1 risk-based capital ratio | 12.9716% | 4,928 |
| Total risk-based capital ratio | 14.2232% | 4,866 |
| Memoranda: | ||
| Average total assets | $195,234,330 | 3,088 |
| Average earning assets | $176,831,670 | 3,116 |
| Average equity | $16,436,670 | 3,628 |
| Average total loans | $106,946,330 | 3,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 6,047 |
| Cost of funding earning assets | 0.2455% | 5,629 |
| Net interest margin | 2.9220% | 5,705 |
| Noninterest income to average assets | 1.2799% | 682 |
| Noninterest expense to average assets | 2.3965% | 4,936 |
| Loan and lease loss provision to assets | 0.0363% | 3,334 |
| Net operating income to assets | 1.0461% | 2,023 |
| Return on assets (ROA) | 1.0461% | 2,093 |
| Pretax return on assets | 1.5096% | 1,406 |
| Return on Equity (ROE) | 12.7202% | 1,233 |
| Retained earnings to average equity (ytd only) | 3.6028% | 3,970 |
| Net charge-offs to loans | 0.0267% | 3,036 |
| Credit loss provision to net charge-offs | 257.1429% | 887 |
| Earnings coverage of net charge-offs (x) | 109.5714% | 426 |
| Efficiency ratio | 60.7873% | 5,296 |
| Assets per employee ($millions) | 5.3505% | 1,862 |
| Cash dividends to net income (ytd only)* | 71.6763% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 3,360 |
| Loan loss allowance to noncurrent loans | 1,068.5315% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 6,039 |
| Noncurrent loans to loans | 0.1360% | 5,701 |
| Net loans and leases to total assets | 52.3380% | 4,637 |
| Net loans and leases to deposits | 58.8247% | 4,862 |
| Net loans and leases to core deposits | 61.8431% | 4,898 |
| Total domestic deposits to total assets | 88.9729% | 1,680 |
| Equity capital to assets | 8.3039% | 5,820 |
| Core capital (leverage) ratio | 7.9339% | 6,157 |
| Tier 1 risk-based capital ratio | 13.5333% | 4,660 |
| Total risk-based capital ratio | 14.7859% | 4,594 |
| Memoranda: | ||
| Average total assets | $198,457,000 | 3,071 |
| Average earning assets | $180,838,000 | 3,084 |
| Average equity | $16,320,500 | 3,648 |
| Average total loans | $104,745,000 | 3,374 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 5,260 |
| Cost of funding earning assets | 0.3120% | 5,503 |
| Net interest margin | 3.3442% | 4,504 |
| Noninterest income to average assets | 1.3520% | 761 |
| Noninterest expense to average assets | 2.4139% | 5,040 |
| Loan and lease loss provision to assets | 0.0323% | 4,471 |
| Net operating income to assets | 1.2742% | 1,318 |
| Return on assets (ROA) | 1.2742% | 1,374 |
| Pretax return on assets | 1.8803% | 629 |
| Return on Equity (ROE) | 15.2305% | 719 |
| Retained earnings to average equity (ytd only) | 3.8528% | 3,461 |
| Net charge-offs to loans | 0.0781% | 4,126 |
| Credit loss provision to net charge-offs | 75.6098% | 3,152 |
| Earnings coverage of net charge-offs (x) | 44.7195% | 861 |
| Efficiency ratio | 55.7926% | 5,973 |
| Assets per employee ($millions) | 5.3769% | 1,769 |
| Cash dividends to net income (ytd only)* | 74.7032% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 3,407 |
| Loan loss allowance to noncurrent loans | 966.2420% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,109 |
| Noncurrent loans to loans | 0.1505% | 5,746 |
| Net loans and leases to total assets | 51.6886% | 4,895 |
| Net loans and leases to deposits | 57.9726% | 5,126 |
| Net loans and leases to core deposits | 60.9236% | 5,150 |
| Total domestic deposits to total assets | 89.1604% | 1,512 |
| Equity capital to assets | 8.1439% | 5,905 |
| Core capital (leverage) ratio | 7.7994% | 6,245 |
| Tier 1 risk-based capital ratio | 13.3521% | 4,745 |
| Total risk-based capital ratio | 14.6042% | 4,690 |
| Memoranda: | ||
| Average total assets | $191,723,000 | 3,136 |
| Average earning assets | $170,534,000 | 3,214 |
| Average equity | $16,040,200 | 3,693 |
| Average total loans | $105,026,800 | 3,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 5,199 |
| Cost of funding earning assets | 0.3251% | 5,507 |
| Net interest margin | 3.3608% | 4,428 |
| Noninterest income to average assets | 1.3641% | 781 |
| Noninterest expense to average assets | 2.4600% | 4,841 |
| Loan and lease loss provision to assets | 0.0316% | 4,378 |
| Net operating income to assets | 1.2560% | 1,467 |
| Return on assets (ROA) | 1.2560% | 1,536 |
| Pretax return on assets | 1.8478% | 809 |
| Return on Equity (ROE) | 14.9082% | 813 |
| Retained earnings to average equity (ytd only) | 4.2666% | 3,642 |
| Net charge-offs to loans | 0.1052% | 3,482 |
| Credit loss provision to net charge-offs | 54.2169% | 3,411 |
| Earnings coverage of net charge-offs (x) | 32.2541% | 1,178 |
| Efficiency ratio | 56.6899% | 5,836 |
| Assets per employee ($millions) | 5.0943% | 2,058 |
| Cash dividends to net income (ytd only)* | 71.3806% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,272 |
| Loan loss allowance to noncurrent loans | 1,144.2748% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 6,173 |
| Noncurrent loans to loans | 0.1157% | 5,982 |
| Net loans and leases to total assets | 57.7028% | 4,058 |
| Net loans and leases to deposits | 66.2700% | 4,271 |
| Net loans and leases to core deposits | 72.1947% | 4,063 |
| Total domestic deposits to total assets | 87.0723% | 2,652 |
| Equity capital to assets | 8.3297% | 5,893 |
| Core capital (leverage) ratio | 8.0920% | 6,158 |
| Tier 1 risk-based capital ratio | 12.1784% | 5,665 |
| Total risk-based capital ratio | 13.4293% | 5,600 |
| Memoranda: | ||
| Average total assets | $189,917,000 | 3,182 |
| Average earning assets | $168,132,750 | 3,268 |
| Average equity | $15,999,750 | 3,742 |
| Average total loans | $105,196,000 | 3,361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5310% | 5,629 |
| Cost of funding earning assets | 0.3320% | 5,550 |
| Net interest margin | 3.1990% | 4,950 |
| Noninterest income to average assets | 1.3588% | 846 |
| Noninterest expense to average assets | 2.5300% | 4,629 |
| Loan and lease loss provision to assets | 0.0180% | 4,535 |
| Net operating income to assets | 1.1341% | 1,797 |
| Return on assets (ROA) | 1.1341% | 1,910 |
| Pretax return on assets | 1.6503% | 1,233 |
| Return on Equity (ROE) | 13.4102% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.7348% | 3,927 |
| Net charge-offs to loans | 0.0117% | 4,637 |
| Credit loss provision to net charge-offs | 283.3333% | 905 |
| Earnings coverage of net charge-offs (x) | 262.3333% | 196 |
| Efficiency ratio | 60.2626% | 5,450 |
| Assets per employee ($millions) | 4.7781% | 2,414 |
| Cash dividends to net income (ytd only)* | 72.1495% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 3,950 |
| Loan loss allowance to noncurrent loans | 1,121.7391% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 6,233 |
| Noncurrent loans to loans | 0.1265% | 6,007 |
| Net loans and leases to total assets | 57.7163% | 4,031 |
| Net loans and leases to deposits | 67.7557% | 4,048 |
| Net loans and leases to core deposits | 71.7439% | 4,077 |
| Total domestic deposits to total assets | 85.1829% | 3,807 |
| Equity capital to assets | 8.5556% | 5,711 |
| Core capital (leverage) ratio | 8.3462% | 5,830 |
| Tier 1 risk-based capital ratio | 12.4941% | 5,506 |
| Total risk-based capital ratio | 13.7457% | 5,445 |
| Memoranda: | ||
| Average total assets | $188,694,330 | 3,214 |
| Average earning assets | $167,488,330 | 3,297 |
| Average equity | $15,958,000 | 3,777 |
| Average total loans | $102,527,000 | 3,426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3669% | 6,009 |
| Cost of funding earning assets | 0.3633% | 5,427 |
| Net interest margin | 3.0036% | 5,559 |
| Noninterest income to average assets | 1.3399% | 859 |
| Noninterest expense to average assets | 2.5260% | 4,671 |
| Loan and lease loss provision to assets | -0.0126% | 6,740 |
| Net operating income to assets | 1.0344% | 2,089 |
| Return on assets (ROA) | 1.0344% | 2,201 |
| Pretax return on assets | 1.4916% | 1,580 |
| Return on Equity (ROE) | 12.3015% | 1,343 |
| Retained earnings to average equity (ytd only) | 3.5577% | 4,105 |
| Net charge-offs to loans | -0.0322% | 5,927 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0721% | 5,146 |
| Assets per employee ($millions) | 4.5906% | 2,814 |
| Cash dividends to net income (ytd only)* | 71.0794% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,348 |
| Loan loss allowance to noncurrent loans | 1,729.2135% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,341 |
| Noncurrent loans to loans | 0.0932% | 6,201 |
| Net loans and leases to total assets | 49.8998% | 5,006 |
| Net loans and leases to deposits | 56.3726% | 5,208 |
| Net loans and leases to core deposits | 59.6163% | 5,182 |
| Total domestic deposits to total assets | 88.5179% | 1,995 |
| Equity capital to assets | 8.5158% | 6,006 |
| Core capital (leverage) ratio | 7.9922% | 6,153 |
| Tier 1 risk-based capital ratio | 13.9195% | 4,568 |
| Total risk-based capital ratio | 15.1728% | 4,519 |
| Memoranda: | ||
| Average total assets | $189,868,500 | 3,226 |
| Average earning assets | $168,462,000 | 3,303 |
| Average equity | $15,965,500 | 3,824 |
| Average total loans | $99,240,500 | 3,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 6,038 |
| Cost of funding earning assets | 0.4606% | 5,497 |
| Net interest margin | 3.2455% | 5,441 |
| Noninterest income to average assets | 1.2785% | 947 |
| Noninterest expense to average assets | 2.2452% | 5,822 |
| Loan and lease loss provision to assets | -0.0113% | 6,823 |
| Net operating income to assets | 1.3152% | 1,261 |
| Return on assets (ROA) | 1.3152% | 1,399 |
| Pretax return on assets | 1.9145% | 731 |
| Return on Equity (ROE) | 14.2103% | 954 |
| Retained earnings to average equity (ytd only) | -7.7055% | 6,560 |
| Net charge-offs to loans | -0.0317% | 6,619 |
| Credit loss provision to net charge-offs | 72.4138% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1092% | 6,258 |
| Assets per employee ($millions) | 4.6713% | 2,675 |
| Cash dividends to net income (ytd only)* | 154.2248% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,782 |
| Loan loss allowance to noncurrent loans | 1,506.8627% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 6,371 |
| Noncurrent loans to loans | 0.0990% | 6,241 |
| Net loans and leases to total assets | 52.9892% | 4,761 |
| Net loans and leases to deposits | 62.3428% | 4,747 |
| Net loans and leases to core deposits | 66.0162% | 4,733 |
| Total domestic deposits to total assets | 84.9965% | 3,867 |
| Equity capital to assets | 8.3035% | 6,197 |
| Core capital (leverage) ratio | 7.7280% | 6,388 |
| Tier 1 risk-based capital ratio | 12.9777% | 5,122 |
| Total risk-based capital ratio | 14.2305% | 5,061 |
| Memoranda: | ||
| Average total assets | $185,372,000 | 3,236 |
| Average earning assets | $163,918,200 | 3,322 |
| Average equity | $17,156,600 | 3,595 |
| Average total loans | $91,486,400 | 3,708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 6,234 |
| Cost of funding earning assets | 0.4745% | 5,597 |
| Net interest margin | 3.2192% | 5,655 |
| Noninterest income to average assets | 1.2438% | 967 |
| Noninterest expense to average assets | 2.2991% | 5,678 |
| Loan and lease loss provision to assets | 0.0232% | 5,504 |
| Net operating income to assets | 1.2301% | 1,630 |
| Return on assets (ROA) | 1.2301% | 1,804 |
| Pretax return on assets | 1.7704% | 1,116 |
| Return on Equity (ROE) | 12.9438% | 1,351 |
| Retained earnings to average equity (ytd only) | 3.3275% | 4,527 |
| Net charge-offs to loans | 0.0436% | 5,043 |
| Credit loss provision to net charge-offs | 110.3448% | 2,658 |
| Earnings coverage of net charge-offs (x) | 85.2664% | 485 |
| Efficiency ratio | 56.1581% | 6,039 |
| Assets per employee ($millions) | 4.5509% | 2,820 |
| Cash dividends to net income (ytd only)* | 74.2924% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,738 |
| Loan loss allowance to noncurrent loans | 895.9064% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 6,499 |
| Noncurrent loans to loans | 0.1728% | 6,177 |
| Net loans and leases to total assets | 53.5092% | 4,822 |
| Net loans and leases to deposits | 63.2903% | 4,803 |
| Net loans and leases to core deposits | 67.3584% | 4,797 |
| Total domestic deposits to total assets | 84.5457% | 3,955 |
| Equity capital to assets | 9.7136% | 4,908 |
| Core capital (leverage) ratio | 9.4304% | 4,374 |
| Tier 1 risk-based capital ratio | 14.8188% | 3,965 |
| Total risk-based capital ratio | 16.0716% | 3,923 |
| Memoranda: | ||
| Average total assets | $183,834,500 | 3,289 |
| Average earning assets | $162,685,500 | 3,378 |
| Average equity | $17,470,000 | 3,578 |
| Average total loans | $88,602,250 | 3,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 6,584 |
| Cost of funding earning assets | 0.4788% | 5,769 |
| Net interest margin | 3.0391% | 6,148 |
| Noninterest income to average assets | 1.2232% | 959 |
| Noninterest expense to average assets | 2.2892% | 5,771 |
| Loan and lease loss provision to assets | 0.0022% | 5,611 |
| Net operating income to assets | 1.1592% | 1,853 |
| Return on assets (ROA) | 1.1592% | 2,056 |
| Pretax return on assets | 1.6504% | 1,397 |
| Return on Equity (ROE) | 12.2878% | 1,582 |
| Retained earnings to average equity (ytd only) | 3.5634% | 4,223 |
| Net charge-offs to loans | 0.0235% | 5,068 |
| Credit loss provision to net charge-offs | 20.0000% | 4,604 |
| Earnings coverage of net charge-offs (x) | 152.4000% | 294 |
| Efficiency ratio | 58.0468% | 5,868 |
| Assets per employee ($millions) | 4.4025% | 3,086 |
| Cash dividends to net income (ytd only)* | 71.0009% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,536 |
| Loan loss allowance to noncurrent loans | 1,063.6364% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,615 |
| Noncurrent loans to loans | 0.1523% | 6,284 |
| Net loans and leases to total assets | 51.1911% | 5,195 |
| Net loans and leases to deposits | 60.6567% | 5,179 |
| Net loans and leases to core deposits | 65.0356% | 5,104 |
| Total domestic deposits to total assets | 84.3948% | 4,146 |
| Equity capital to assets | 9.7239% | 4,726 |
| Core capital (leverage) ratio | 9.1726% | 4,653 |
| Tier 1 risk-based capital ratio | 15.5999% | 3,384 |
| Total risk-based capital ratio | 16.8537% | 3,346 |
| Memoranda: | ||
| Average total assets | $184,434,670 | 3,291 |
| Average earning assets | $164,985,000 | 3,347 |
| Average equity | $17,399,330 | 3,584 |
| Average total loans | $85,157,330 | 3,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3356% | 6,870 |
| Cost of funding earning assets | 0.4816% | 5,930 |
| Net interest margin | 2.8540% | 6,547 |
| Noninterest income to average assets | 1.2275% | 950 |
| Noninterest expense to average assets | 2.2918% | 5,786 |
| Loan and lease loss provision to assets | -0.0150% | 7,110 |
| Net operating income to assets | 1.0751% | 2,187 |
| Return on assets (ROA) | 1.0751% | 2,372 |
| Pretax return on assets | 1.5193% | 1,824 |
| Return on Equity (ROE) | 11.5684% | 1,819 |
| Retained earnings to average equity (ytd only) | 3.6945% | 4,373 |
| Net charge-offs to loans | -0.0248% | 6,254 |
| Credit loss provision to net charge-offs | 140.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3731% | 5,565 |
| Assets per employee ($millions) | 4.5518% | 2,897 |
| Cash dividends to net income (ytd only)* | 68.0639% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,839.7590% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 6,790 |
| Noncurrent loans to loans | 0.1053% | 6,496 |
| Net loans and leases to total assets | 42.4692% | 6,151 |
| Net loans and leases to deposits | 50.1524% | 6,129 |
| Net loans and leases to core deposits | 53.7296% | 6,075 |
| Total domestic deposits to total assets | 84.6803% | 4,169 |
| Equity capital to assets | 9.5539% | 4,722 |
| Core capital (leverage) ratio | 8.9419% | 4,928 |
| Tier 1 risk-based capital ratio | 17.8549% | 2,344 |
| Total risk-based capital ratio | 19.1120% | 2,316 |
| Memoranda: | ||
| Average total assets | $186,400,000 | 3,275 |
| Average earning assets | $167,766,000 | 3,322 |
| Average equity | $17,323,000 | 3,603 |
| Average total loans | $80,774,500 | 4,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 6,222 |
| Cost of funding earning assets | 0.6326% | 5,910 |
| Net interest margin | 3.4977% | 5,155 |
| Noninterest income to average assets | 1.2629% | 812 |
| Noninterest expense to average assets | 2.0259% | 6,630 |
| Loan and lease loss provision to assets | 0.1117% | 5,192 |
| Net operating income to assets | 1.5282% | 780 |
| Return on assets (ROA) | 1.5282% | 845 |
| Pretax return on assets | 2.2345% | 343 |
| Return on Equity (ROE) | 15.9331% | 615 |
| Retained earnings to average equity (ytd only) | 4.1428% | 3,232 |
| Net charge-offs to loans | 0.1542% | 4,905 |
| Credit loss provision to net charge-offs | 147.0149% | 1,942 |
| Earnings coverage of net charge-offs (x) | 30.8881% | 828 |
| Efficiency ratio | 46.2725% | 7,031 |
| Assets per employee ($millions) | 4.5411% | 2,843 |
| Cash dividends to net income (ytd only)* | 73.9985% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 2,716 |
| Loan loss allowance to noncurrent loans | 2,426.9841% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 6,887 |
| Noncurrent loans to loans | 0.0762% | 6,623 |
| Net loans and leases to total assets | 42.5572% | 6,333 |
| Net loans and leases to deposits | 49.8835% | 6,370 |
| Net loans and leases to core deposits | 53.3424% | 6,349 |
| Total domestic deposits to total assets | 85.3130% | 3,683 |
| Equity capital to assets | 9.0449% | 5,501 |
| Core capital (leverage) ratio | 8.5420% | 5,490 |
| Tier 1 risk-based capital ratio | 17.0213% | 2,595 |
| Total risk-based capital ratio | 18.2779% | 2,542 |
| Memoranda: | ||
| Average total assets | $176,417,800 | 3,390 |
| Average earning assets | $156,818,800 | 3,456 |
| Average equity | $16,920,800 | 3,593 |
| Average total loans | $86,873,600 | 3,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 5,995 |
| Cost of funding earning assets | 0.6711% | 5,925 |
| Net interest margin | 3.6135% | 4,714 |
| Noninterest income to average assets | 1.3060% | 770 |
| Noninterest expense to average assets | 2.0581% | 6,577 |
| Loan and lease loss provision to assets | 0.1080% | 5,088 |
| Net operating income to assets | 1.5906% | 787 |
| Return on assets (ROA) | 1.5906% | 859 |
| Pretax return on assets | 2.3296% | 348 |
| Return on Equity (ROE) | 16.3275% | 635 |
| Retained earnings to average equity (ytd only) | 4.5530% | 3,480 |
| Net charge-offs to loans | 0.1790% | 4,372 |
| Credit loss provision to net charge-offs | 118.6441% | 2,751 |
| Earnings coverage of net charge-offs (x) | 26.7796% | 1,009 |
| Efficiency ratio | 45.7104% | 7,076 |
| Assets per employee ($millions) | 4.3849% | 3,098 |
| Cash dividends to net income (ytd only)* | 72.1147% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,617 |
| Loan loss allowance to noncurrent loans | 2,565.5172% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,976 |
| Noncurrent loans to loans | 0.0627% | 6,773 |
| Net loans and leases to total assets | 50.6041% | 5,628 |
| Net loans and leases to deposits | 59.8065% | 5,654 |
| Net loans and leases to core deposits | 64.3556% | 5,579 |
| Total domestic deposits to total assets | 84.6130% | 3,960 |
| Equity capital to assets | 9.5360% | 5,027 |
| Core capital (leverage) ratio | 9.5975% | 4,000 |
| Tier 1 risk-based capital ratio | 15.2028% | 3,545 |
| Total risk-based capital ratio | 16.4567% | 3,505 |
| Memoranda: | ||
| Average total assets | $172,840,500 | 3,470 |
| Average earning assets | $152,570,500 | 3,560 |
| Average equity | $16,838,250 | 3,612 |
| Average total loans | $87,917,750 | 3,950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 6,286 |
| Cost of funding earning assets | 0.6873% | 6,030 |
| Net interest margin | 3.5067% | 5,129 |
| Noninterest income to average assets | 1.2878% | 760 |
| Noninterest expense to average assets | 2.1475% | 6,508 |
| Loan and lease loss provision to assets | 0.0985% | 5,087 |
| Net operating income to assets | 1.4872% | 916 |
| Return on assets (ROA) | 1.4872% | 973 |
| Pretax return on assets | 2.1533% | 444 |
| Return on Equity (ROE) | 15.1527% | 776 |
| Retained earnings to average equity (ytd only) | 4.2542% | 3,488 |
| Net charge-offs to loans | 0.1574% | 4,238 |
| Credit loss provision to net charge-offs | 123.5294% | 2,467 |
| Earnings coverage of net charge-offs (x) | 28.2353% | 965 |
| Efficiency ratio | 48.7070% | 7,022 |
| Assets per employee ($millions) | 4.0636% | 3,621 |
| Cash dividends to net income (ytd only)* | 71.9243% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,569 |
| Loan loss allowance to noncurrent loans | 2,280.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,996 |
| Noncurrent loans to loans | 0.0716% | 6,801 |
| Net loans and leases to total assets | 53.5863% | 5,354 |
| Net loans and leases to deposits | 64.0833% | 5,260 |
| Net loans and leases to core deposits | 69.7334% | 5,103 |
| Total domestic deposits to total assets | 83.6196% | 4,499 |
| Equity capital to assets | 10.1670% | 3,922 |
| Core capital (leverage) ratio | 9.4433% | 4,039 |
| Tier 1 risk-based capital ratio | 15.5442% | 3,219 |
| Total risk-based capital ratio | 16.7983% | 3,164 |
| Memoranda: | ||
| Average total assets | $170,526,670 | 3,526 |
| Average earning assets | $151,310,330 | 3,605 |
| Average equity | $16,736,330 | 3,616 |
| Average total loans | $86,402,000 | 4,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 6,804 |
| Cost of funding earning assets | 0.6808% | 6,243 |
| Net interest margin | 3.2370% | 5,960 |
| Noninterest income to average assets | 1.2337% | 834 |
| Noninterest expense to average assets | 2.1961% | 6,431 |
| Loan and lease loss provision to assets | 0.0580% | 5,275 |
| Net operating income to assets | 1.3265% | 1,210 |
| Return on assets (ROA) | 1.3265% | 1,255 |
| Pretax return on assets | 1.9016% | 678 |
| Return on Equity (ROE) | 13.7541% | 1,033 |
| Retained earnings to average equity (ytd only) | 2.5729% | 4,618 |
| Net charge-offs to loans | 0.0570% | 4,364 |
| Credit loss provision to net charge-offs | 208.3333% | 1,429 |
| Earnings coverage of net charge-offs (x) | 70.4167% | 435 |
| Efficiency ratio | 52.7344% | 6,806 |
| Assets per employee ($millions) | 4.1056% | 3,627 |
| Cash dividends to net income (ytd only)* | 81.2937% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,369.4444% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 7,001 |
| Noncurrent loans to loans | 0.1301% | 6,721 |
| Net loans and leases to total assets | 48.4358% | 6,029 |
| Net loans and leases to deposits | 57.3620% | 5,990 |
| Net loans and leases to core deposits | 62.1679% | 5,910 |
| Total domestic deposits to total assets | 84.4389% | 4,305 |
| Equity capital to assets | 9.9121% | 3,883 |
| Core capital (leverage) ratio | 9.3322% | 4,078 |
| Tier 1 risk-based capital ratio | 15.8183% | 2,989 |
| Total risk-based capital ratio | 17.0739% | 2,954 |
| Memoranda: | ||
| Average total assets | $172,486,000 | 3,513 |
| Average earning assets | $155,701,500 | 3,548 |
| Average equity | $16,635,000 | 3,619 |
| Average total loans | $84,222,500 | 4,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 5,467 |
| Cost of funding earning assets | 0.8532% | 6,361 |
| Net interest margin | 3.9326% | 3,332 |
| Noninterest income to average assets | 1.4720% | 669 |
| Noninterest expense to average assets | 2.2911% | 6,384 |
| Loan and lease loss provision to assets | 0.1599% | 5,608 |
| Net operating income to assets | 1.7223% | 492 |
| Return on assets (ROA) | 1.7223% | 535 |
| Pretax return on assets | 2.5150% | 182 |
| Return on Equity (ROE) | 17.4105% | 440 |
| Retained earnings to average equity (ytd only) | 4.6889% | 2,614 |
| Net charge-offs to loans | 0.1213% | 5,678 |
| Credit loss provision to net charge-offs | 244.8598% | 1,175 |
| Earnings coverage of net charge-offs (x) | 40.9626% | 569 |
| Efficiency ratio | 45.9260% | 7,352 |
| Assets per employee ($millions) | 4.3083% | 3,188 |
| Cash dividends to net income (ytd only)* | 73.0687% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,609.8901% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 7,105 |
| Noncurrent loans to loans | 0.1065% | 6,871 |
| Net loans and leases to total assets | 47.5363% | 6,438 |
| Net loans and leases to deposits | 55.8479% | 6,456 |
| Net loans and leases to core deposits | 59.9201% | 6,397 |
| Total domestic deposits to total assets | 85.1174% | 3,789 |
| Equity capital to assets | 9.3890% | 4,559 |
| Core capital (leverage) ratio | 9.0892% | 4,378 |
| Tier 1 risk-based capital ratio | 15.0925% | 3,192 |
| Total risk-based capital ratio | 16.3466% | 3,138 |
| Memoranda: | ||
| Average total assets | $163,853,800 | 3,634 |
| Average earning assets | $145,576,200 | 3,715 |
| Average equity | $16,208,600 | 3,719 |
| Average total loans | $88,246,600 | 4,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 5,127 |
| Cost of funding earning assets | 0.8928% | 6,418 |
| Net interest margin | 4.0389% | 2,913 |
| Noninterest income to average assets | 1.5113% | 600 |
| Noninterest expense to average assets | 2.3885% | 6,068 |
| Loan and lease loss provision to assets | 0.1610% | 5,423 |
| Net operating income to assets | 1.7445% | 571 |
| Return on assets (ROA) | 1.7445% | 623 |
| Pretax return on assets | 2.5395% | 211 |
| Return on Equity (ROE) | 17.3918% | 547 |
| Retained earnings to average equity (ytd only) | 4.6499% | 3,227 |
| Net charge-offs to loans | 0.0989% | 5,540 |
| Credit loss provision to net charge-offs | 293.9394% | 1,089 |
| Earnings coverage of net charge-offs (x) | 49.3018% | 568 |
| Efficiency ratio | 46.6895% | 7,357 |
| Assets per employee ($millions) | 3.8147% | 4,228 |
| Cash dividends to net income (ytd only)* | 73.2634% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,908 |
| Loan loss allowance to noncurrent loans | 1,483.5052% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 7,194 |
| Noncurrent loans to loans | 0.1019% | 6,983 |
| Net loans and leases to total assets | 58.4974% | 5,181 |
| Net loans and leases to deposits | 69.9924% | 5,145 |
| Net loans and leases to core deposits | 75.6144% | 5,109 |
| Total domestic deposits to total assets | 83.5769% | 4,333 |
| Equity capital to assets | 10.2460% | 3,823 |
| Core capital (leverage) ratio | 9.7424% | 3,566 |
| Tier 1 risk-based capital ratio | 14.3579% | 3,591 |
| Total risk-based capital ratio | 15.6108% | 3,557 |
| Memoranda: | ||
| Average total assets | $160,656,750 | 3,744 |
| Average earning assets | $142,312,750 | 3,828 |
| Average equity | $16,114,500 | 3,790 |
| Average total loans | $88,949,750 | 4,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 5,845 |
| Cost of funding earning assets | 0.9184% | 6,507 |
| Net interest margin | 3.8659% | 3,605 |
| Noninterest income to average assets | 1.5336% | 546 |
| Noninterest expense to average assets | 2.4129% | 6,035 |
| Loan and lease loss provision to assets | 0.1580% | 5,313 |
| Net operating income to assets | 1.6430% | 660 |
| Return on assets (ROA) | 1.6430% | 705 |
| Pretax return on assets | 2.3868% | 286 |
| Return on Equity (ROE) | 16.4981% | 630 |
| Retained earnings to average equity (ytd only) | 4.7209% | 3,071 |
| Net charge-offs to loans | 0.0184% | 6,083 |
| Credit loss provision to net charge-offs | 1,587.5000% | 251 |
| Earnings coverage of net charge-offs (x) | 255.7500% | 129 |
| Efficiency ratio | 48.3442% | 7,325 |
| Assets per employee ($millions) | 3.5975% | 4,703 |
| Cash dividends to net income (ytd only)* | 71.3853% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,526 |
| Loan loss allowance to noncurrent loans | 10,214.2857% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,394 |
| Noncurrent loans to loans | 0.0155% | 7,295 |
| Net loans and leases to total assets | 57.4890% | 5,492 |
| Net loans and leases to deposits | 69.2304% | 5,382 |
| Net loans and leases to core deposits | 75.1191% | 5,309 |
| Total domestic deposits to total assets | 83.0401% | 4,556 |
| Equity capital to assets | 10.5001% | 3,407 |
| Core capital (leverage) ratio | 9.5605% | 3,730 |
| Tier 1 risk-based capital ratio | 14.8617% | 3,231 |
| Total risk-based capital ratio | 16.1149% | 3,203 |
| Memoranda: | ||
| Average total assets | $160,802,670 | 3,773 |
| Average earning assets | $142,423,670 | 3,856 |
| Average equity | $16,014,000 | 3,799 |
| Average total loans | $86,878,670 | 4,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 6,223 |
| Cost of funding earning assets | 0.9555% | 6,555 |
| Net interest margin | 3.7500% | 4,012 |
| Noninterest income to average assets | 1.4842% | 541 |
| Noninterest expense to average assets | 2.4534% | 5,897 |
| Loan and lease loss provision to assets | 0.1147% | 5,463 |
| Net operating income to assets | 1.5306% | 848 |
| Return on assets (ROA) | 1.5306% | 912 |
| Pretax return on assets | 2.2214% | 405 |
| Return on Equity (ROE) | 15.7741% | 753 |
| Retained earnings to average equity (ytd only) | 4.3523% | 3,541 |
| Net charge-offs to loans | -0.1222% | 7,556 |
| Credit loss provision to net charge-offs | -180.7692% | 6,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6626% | 7,268 |
| Assets per employee ($millions) | 3.6007% | 4,815 |
| Cash dividends to net income (ytd only)* | 72.4083% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 3,085 |
| Loan loss allowance to noncurrent loans | 692.0000% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,169 |
| Noncurrent loans to loans | 0.2448% | 6,854 |
| Net loans and leases to total assets | 49.5612% | 6,515 |
| Net loans and leases to deposits | 58.8199% | 6,567 |
| Net loans and leases to core deposits | 64.7971% | 6,395 |
| Total domestic deposits to total assets | 84.2593% | 4,011 |
| Equity capital to assets | 9.8542% | 4,047 |
| Core capital (leverage) ratio | 9.1184% | 4,343 |
| Tier 1 risk-based capital ratio | 15.4971% | 2,871 |
| Total risk-based capital ratio | 16.7510% | 2,819 |
| Memoranda: | ||
| Average total assets | $163,857,000 | 3,771 |
| Average earning assets | $144,427,500 | 3,863 |
| Average equity | $15,899,500 | 3,847 |
| Average total loans | $85,137,000 | 4,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 6,041 |
| Cost of funding earning assets | 1.3393% | 6,176 |
| Net interest margin | 3.7721% | 3,829 |
| Noninterest income to average assets | 1.3840% | 766 |
| Noninterest expense to average assets | 2.4109% | 6,434 |
| Loan and lease loss provision to assets | 0.1150% | 6,496 |
| Net operating income to assets | 1.5353% | 626 |
| Return on assets (ROA) | 1.5726% | 622 |
| Pretax return on assets | 2.2971% | 226 |
| Return on Equity (ROE) | 16.7895% | 475 |
| Retained earnings to average equity (ytd only) | 4.4305% | 2,144 |
| Net charge-offs to loans | 0.4414% | 4,032 |
| Credit loss provision to net charge-offs | 47.1605% | 6,779 |
| Earnings coverage of net charge-offs (x) | 9.6642% | 1,767 |
| Efficiency ratio | 50.0063% | 7,540 |
| Assets per employee ($millions) | 3.5251% | 4,952 |
| Cash dividends to net income (ytd only)* | 73.6116% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,838 |
| Loan loss allowance to noncurrent loans | 245.9662% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 6,635 |
| Noncurrent loans to loans | 0.6017% | 6,036 |
| Net loans and leases to total assets | 52.6756% | 6,345 |
| Net loans and leases to deposits | 62.3840% | 6,424 |
| Net loans and leases to core deposits | 78.9124% | 6,188 |
| Total domestic deposits to total assets | 84.4377% | 3,825 |
| Equity capital to assets | 9.5557% | 4,349 |
| Core capital (leverage) ratio | 8.9663% | 4,480 |
| Tier 1 risk-based capital ratio | 14.2764% | 3,337 |
| Total risk-based capital ratio | 15.5286% | 3,279 |
| Memoranda: | ||
| Average total assets | $166,036,000 | 3,673 |
| Average earning assets | $148,962,600 | 3,733 |
| Average equity | $15,551,400 | 3,953 |
| Average total loans | $91,754,000 | 4,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 6,408 |
| Cost of funding earning assets | 1.4075% | 6,201 |
| Net interest margin | 3.6555% | 4,253 |
| Noninterest income to average assets | 1.3764% | 797 |
| Noninterest expense to average assets | 2.4559% | 6,226 |
| Loan and lease loss provision to assets | 0.1260% | 6,093 |
| Net operating income to assets | 1.4408% | 940 |
| Return on assets (ROA) | 1.4912% | 886 |
| Pretax return on assets | 2.1694% | 378 |
| Return on Equity (ROE) | 16.0017% | 656 |
| Retained earnings to average equity (ytd only) | 4.2976% | 2,872 |
| Net charge-offs to loans | 0.0591% | 6,116 |
| Credit loss provision to net charge-offs | 382.9268% | 1,055 |
| Earnings coverage of net charge-offs (x) | 67.5308% | 497 |
| Efficiency ratio | 51.9128% | 7,422 |
| Assets per employee ($millions) | 3.3504% | 5,255 |
| Cash dividends to net income (ytd only)* | 73.1430% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,847 |
| Loan loss allowance to noncurrent loans | 332.1862% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 6,721 |
| Noncurrent loans to loans | 0.4940% | 6,329 |
| Net loans and leases to total assets | 61.1650% | 5,393 |
| Net loans and leases to deposits | 74.7812% | 5,250 |
| Net loans and leases to core deposits | 95.1545% | 4,914 |
| Total domestic deposits to total assets | 81.7920% | 4,770 |
| Equity capital to assets | 9.7507% | 4,422 |
| Core capital (leverage) ratio | 9.0251% | 4,611 |
| Tier 1 risk-based capital ratio | 13.2459% | 4,024 |
| Total risk-based capital ratio | 14.5005% | 3,963 |
| Memoranda: | ||
| Average total assets | $166,124,500 | 3,689 |
| Average earning assets | $150,051,500 | 3,725 |
| Average equity | $15,481,250 | 4,008 |
| Average total loans | $92,546,250 | 4,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 7,031 |
| Cost of funding earning assets | 1.4843% | 6,200 |
| Net interest margin | 3.4146% | 5,114 |
| Noninterest income to average assets | 1.3175% | 883 |
| Noninterest expense to average assets | 2.4885% | 6,157 |
| Loan and lease loss provision to assets | 0.1167% | 5,970 |
| Net operating income to assets | 1.2681% | 1,308 |
| Return on assets (ROA) | 1.3163% | 1,264 |
| Pretax return on assets | 1.8631% | 753 |
| Return on Equity (ROE) | 14.3370% | 936 |
| Retained earnings to average equity (ytd only) | 4.4244% | 2,834 |
| Net charge-offs to loans | 0.0200% | 6,236 |
| Credit loss provision to net charge-offs | 1,088.8889% | 453 |
| Earnings coverage of net charge-offs (x) | 178.3333% | 231 |
| Efficiency ratio | 55.9285% | 7,129 |
| Assets per employee ($millions) | 3.4028% | 5,055 |
| Cash dividends to net income (ytd only)* | 69.1403% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 2,266 |
| Loan loss allowance to noncurrent loans | 271.2605% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 6,526 |
| Noncurrent loans to loans | 0.6349% | 5,974 |
| Net loans and leases to total assets | 57.5891% | 6,023 |
| Net loans and leases to deposits | 68.1318% | 6,176 |
| Net loans and leases to core deposits | 86.7253% | 5,833 |
| Total domestic deposits to total assets | 84.5260% | 3,488 |
| Equity capital to assets | 9.6753% | 4,387 |
| Core capital (leverage) ratio | 8.7485% | 5,005 |
| Tier 1 risk-based capital ratio | 13.7415% | 3,664 |
| Total risk-based capital ratio | 14.9973% | 3,590 |
| Memoranda: | ||
| Average total assets | $167,893,000 | 3,678 |
| Average earning assets | $151,584,330 | 3,715 |
| Average equity | $15,414,670 | 4,034 |
| Average total loans | $90,059,670 | 4,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 6,912 |
| Cost of funding earning assets | 1.5857% | 6,083 |
| Net interest margin | 3.4210% | 5,051 |
| Noninterest income to average assets | 1.2288% | 948 |
| Noninterest expense to average assets | 2.2970% | 6,553 |
| Loan and lease loss provision to assets | 0.0815% | 5,923 |
| Net operating income to assets | 1.3242% | 1,328 |
| Return on assets (ROA) | 1.3242% | 1,432 |
| Pretax return on assets | 1.9130% | 775 |
| Return on Equity (ROE) | 14.7936% | 1,016 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,778 |
| Net charge-offs to loans | -0.0635% | 7,769 |
| Credit loss provision to net charge-offs | -250.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9284% | 7,324 |
| Assets per employee ($millions) | 3.6579% | 4,430 |
| Cash dividends to net income (ytd only)* | 74.3409% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 1,735 |
| Loan loss allowance to noncurrent loans | 378.3654% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 6,791 |
| Noncurrent loans to loans | 0.4895% | 6,206 |
| Net loans and leases to total assets | 48.5147% | 6,982 |
| Net loans and leases to deposits | 56.5591% | 7,126 |
| Net loans and leases to core deposits | 75.0709% | 6,742 |
| Total domestic deposits to total assets | 85.7770% | 2,839 |
| Equity capital to assets | 8.9920% | 5,358 |
| Core capital (leverage) ratio | 8.3515% | 5,808 |
| Tier 1 risk-based capital ratio | 14.0847% | 3,532 |
| Total risk-based capital ratio | 15.3780% | 3,440 |
| Memoranda: | ||
| Average total assets | $171,873,000 | 3,623 |
| Average earning assets | $153,871,000 | 3,680 |
| Average equity | $15,385,000 | 4,068 |
| Average total loans | $88,230,500 | 4,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1969% | 4,533 |
| Cost of funding earning assets | 2.0457% | 6,259 |
| Net interest margin | 4.1512% | 2,495 |
| Noninterest income to average assets | 1.2003% | 1,038 |
| Noninterest expense to average assets | 2.3052% | 6,686 |
| Loan and lease loss provision to assets | 0.1028% | 6,064 |
| Net operating income to assets | 1.6907% | 694 |
| Return on assets (ROA) | 1.6907% | 663 |
| Pretax return on assets | 2.4865% | 201 |
| Return on Equity (ROE) | 17.4960% | 575 |
| Retained earnings to average equity (ytd only) | -14.6536% | 7,441 |
| Net charge-offs to loans | 0.2359% | 3,891 |
| Credit loss provision to net charge-offs | 76.6355% | 5,964 |
| Earnings coverage of net charge-offs (x) | 19.2944% | 1,641 |
| Efficiency ratio | 46.5086% | 7,899 |
| Assets per employee ($millions) | 3.5797% | 4,473 |
| Cash dividends to net income (ytd only)* | 183.7537% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 2,009 |
| Loan loss allowance to noncurrent loans | 828.8043% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 7,150 |
| Noncurrent loans to loans | 0.2011% | 6,782 |
| Net loans and leases to total assets | 52.3527% | 6,817 |
| Net loans and leases to deposits | 61.0932% | 7,010 |
| Net loans and leases to core deposits | 81.7908% | 6,477 |
| Total domestic deposits to total assets | 85.6932% | 2,540 |
| Equity capital to assets | 8.9107% | 5,484 |
| Core capital (leverage) ratio | 8.1754% | 6,214 |
| Tier 1 risk-based capital ratio | 13.2532% | 3,963 |
| Total risk-based capital ratio | 14.5430% | 3,846 |
| Memoranda: | ||
| Average total assets | $159,463,400 | 3,727 |
| Average earning assets | $141,909,600 | 3,808 |
| Average equity | $15,409,200 | 4,054 |
| Average total loans | $90,713,600 | 4,205 |