Home > The Bank of Holland > Performance and Condition Ratios
The Bank of Holland, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8961% | 6,198 |
| Cost of funding earning assets | 0.2291% | 5,100 |
| Net interest margin | 1.6670% | 6,188 |
| Noninterest income to average assets | 0.0923% | 5,984 |
| Noninterest expense to average assets | 0.7476% | 6,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5945% | 4,414 |
| Return on assets (ROA) | 0.5945% | 4,513 |
| Pretax return on assets | 0.8148% | 4,292 |
| Return on Equity (ROE) | 4.4572% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.4572% | 3,291 |
| Net charge-offs to loans | -0.0062% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5711% | 6,051 |
| Assets per employee ($millions) | 19.7943% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,665 |
| Noncurrent loans to loans | 0.0301% | 5,501 |
| Net loans and leases to total assets | 79.6648% | 863 |
| Net loans and leases to deposits | 111.3863% | 226 |
| Net loans and leases to core deposits | 181.2935% | 49 |
| Total domestic deposits to total assets | 71.5211% | 5,897 |
| Equity capital to assets | 17.3309% | 402 |
| Core capital (leverage) ratio | 9.8007% | 3,901 |
| Tier 1 risk-based capital ratio | 10.4610% | 5,896 |
| Total risk-based capital ratio | 10.5877% | 6,150 |
| Memoranda: | ||
| Average total assets | $843,519,500 | 828 |
| Average earning assets | $743,890,750 | 862 |
| Average equity | $112,504,000 | 686 |
| Average total loans | $690,113,750 | 669 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 1,696 |
| Cost of funding earning assets | 0.6674% | 1,007 |
| Net interest margin | 3.7806% | 2,399 |
| Noninterest income to average assets | 0.3170% | 4,688 |
| Noninterest expense to average assets | 2.4044% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2153% | 1,554 |
| Return on assets (ROA) | 1.3137% | 1,332 |
| Pretax return on assets | 1.4074% | 1,953 |
| Return on Equity (ROE) | 11.1418% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,206 |
| Net charge-offs to loans | -0.0093% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2012% | 4,322 |
| Assets per employee ($millions) | 17.8567% | 58 |
| Cash dividends to net income (ytd only)* | 45.5955% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,557 |
| Noncurrent loans to loans | 0.0896% | 5,386 |
| Net loans and leases to total assets | 78.7443% | 971 |
| Net loans and leases to deposits | 109.4055% | 275 |
| Net loans and leases to core deposits | 189.1601% | 51 |
| Total domestic deposits to total assets | 71.9748% | 5,938 |
| Equity capital to assets | 16.1420% | 512 |
| Core capital (leverage) ratio | 9.4439% | 4,348 |
| Tier 1 risk-based capital ratio | 9.5176% | 6,201 |
| Total risk-based capital ratio | 9.5176% | 6,285 |
| Memoranda: | ||
| Average total assets | $834,730,330 | 842 |
| Average earning assets | $748,238,330 | 857 |
| Average equity | $98,422,000 | 789 |
| Average total loans | $688,871,330 | 672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,112 |
| Cost of funding earning assets | 0.6887% | 900 |
| Net interest margin | 3.6064% | 2,974 |
| Noninterest income to average assets | 0.3341% | 4,515 |
| Noninterest expense to average assets | 1.7506% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3764% | 1,074 |
| Return on assets (ROA) | 1.5172% | 863 |
| Pretax return on assets | 2.1403% | 444 |
| Return on Equity (ROE) | 16.1752% | 548 |
| Retained earnings to average equity (ytd only) | 10.8823% | 735 |
| Net charge-offs to loans | -0.0129% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3988% | 6,046 |
| Assets per employee ($millions) | 14.6809% | 80 |
| Cash dividends to net income (ytd only)* | 32.7225% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 2,506 |
| Loan loss allowance to noncurrent loans | 3,593.0314% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,771 |
| Noncurrent loans to loans | 0.0413% | 5,618 |
| Net loans and leases to total assets | 83.1961% | 363 |
| Net loans and leases to deposits | 102.3404% | 441 |
| Net loans and leases to core deposits | 178.9484% | 55 |
| Total domestic deposits to total assets | 81.2935% | 4,740 |
| Equity capital to assets | 9.3378% | 4,921 |
| Core capital (leverage) ratio | 9.6234% | 4,120 |
| Tier 1 risk-based capital ratio | 10.4981% | 6,013 |
| Total risk-based capital ratio | 11.7527% | 5,960 |
| Memoranda: | ||
| Average total assets | $805,678,000 | 877 |
| Average earning assets | $750,452,000 | 854 |
| Average equity | $75,572,500 | 1,016 |
| Average total loans | $681,778,500 | 681 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,879 |
| Cost of funding earning assets | 0.7654% | 781 |
| Net interest margin | 3.7312% | 2,875 |
| Noninterest income to average assets | 0.2984% | 4,989 |
| Noninterest expense to average assets | 1.8287% | 6,031 |
| Loan and lease loss provision to assets | 0.0882% | 2,704 |
| Net operating income to assets | 1.3445% | 1,200 |
| Return on assets (ROA) | 1.3396% | 1,258 |
| Pretax return on assets | 1.8293% | 749 |
| Return on Equity (ROE) | 14.9779% | 784 |
| Retained earnings to average equity (ytd only) | 14.2476% | 164 |
| Net charge-offs to loans | 0.0016% | 4,945 |
| Credit loss provision to net charge-offs | 6,750.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,471.4000% | 23 |
| Efficiency ratio | 48.7513% | 6,152 |
| Assets per employee ($millions) | 13.1537% | 109 |
| Cash dividends to net income (ytd only)* | 4.8761% | 4,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 2,308 |
| Loan loss allowance to noncurrent loans | 2,166.3158% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,757 |
| Noncurrent loans to loans | 0.0710% | 5,595 |
| Net loans and leases to total assets | 83.4963% | 376 |
| Net loans and leases to deposits | 101.0469% | 566 |
| Net loans and leases to core deposits | 171.9986% | 65 |
| Total domestic deposits to total assets | 82.6313% | 4,206 |
| Equity capital to assets | 9.4239% | 4,814 |
| Core capital (leverage) ratio | 9.3705% | 4,441 |
| Tier 1 risk-based capital ratio | 10.9019% | 5,946 |
| Total risk-based capital ratio | 12.1563% | 5,876 |
| Memoranda: | ||
| Average total assets | $765,424,800 | 887 |
| Average earning assets | $708,264,400 | 866 |
| Average equity | $68,460,800 | 1,077 |
| Average total loans | $630,521,200 | 693 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 2,273 |
| Cost of funding earning assets | 0.7712% | 793 |
| Net interest margin | 3.6135% | 3,373 |
| Noninterest income to average assets | 0.2777% | 5,215 |
| Noninterest expense to average assets | 1.8547% | 6,018 |
| Loan and lease loss provision to assets | 0.1185% | 2,091 |
| Net operating income to assets | 1.2213% | 1,602 |
| Return on assets (ROA) | 1.2164% | 1,689 |
| Pretax return on assets | 1.6353% | 1,223 |
| Return on Equity (ROE) | 13.7924% | 1,030 |
| Retained earnings to average equity (ytd only) | 12.7972% | 346 |
| Net charge-offs to loans | -0.0088% | 5,404 |
| Credit loss provision to net charge-offs | -1,646.3415% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3288% | 6,034 |
| Assets per employee ($millions) | 12.9943% | 114 |
| Cash dividends to net income (ytd only)* | 7.2160% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 2,276 |
| Loan loss allowance to noncurrent loans | 2,011.8677% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 4,489 |
| Noncurrent loans to loans | 0.0800% | 5,705 |
| Net loans and leases to total assets | 78.4982% | 901 |
| Net loans and leases to deposits | 94.1376% | 1,028 |
| Net loans and leases to core deposits | 165.1572% | 68 |
| Total domestic deposits to total assets | 83.3867% | 4,000 |
| Equity capital to assets | 8.7806% | 5,567 |
| Core capital (leverage) ratio | 9.1565% | 4,840 |
| Tier 1 risk-based capital ratio | 10.8048% | 6,089 |
| Total risk-based capital ratio | 12.0600% | 6,031 |
| Memoranda: | ||
| Average total assets | $759,475,000 | 898 |
| Average earning assets | $701,088,250 | 881 |
| Average equity | $66,982,000 | 1,105 |
| Average total loans | $620,835,750 | 697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,098 |
| Cost of funding earning assets | 0.7742% | 813 |
| Net interest margin | 3.6482% | 3,150 |
| Noninterest income to average assets | 0.2680% | 5,288 |
| Noninterest expense to average assets | 1.8872% | 6,020 |
| Loan and lease loss provision to assets | 0.1210% | 2,032 |
| Net operating income to assets | 1.1518% | 1,751 |
| Return on assets (ROA) | 1.1469% | 1,851 |
| Pretax return on assets | 1.6216% | 1,195 |
| Return on Equity (ROE) | 12.9836% | 1,183 |
| Retained earnings to average equity (ytd only) | 11.4622% | 483 |
| Net charge-offs to loans | 0.0388% | 3,448 |
| Credit loss provision to net charge-offs | 378.1513% | 725 |
| Earnings coverage of net charge-offs (x) | 54.6303% | 866 |
| Efficiency ratio | 51.9228% | 6,070 |
| Assets per employee ($millions) | 11.5504% | 147 |
| Cash dividends to net income (ytd only)* | 11.7178% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 2,591 |
| Loan loss allowance to noncurrent loans | 297.1053% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 3,403 |
| Noncurrent loans to loans | 0.5276% | 4,428 |
| Net loans and leases to total assets | 80.7805% | 594 |
| Net loans and leases to deposits | 97.1185% | 730 |
| Net loans and leases to core deposits | 176.8138% | 51 |
| Total domestic deposits to total assets | 83.1773% | 4,231 |
| Equity capital to assets | 8.7893% | 5,530 |
| Core capital (leverage) ratio | 9.1951% | 4,749 |
| Tier 1 risk-based capital ratio | 10.4706% | 6,259 |
| Total risk-based capital ratio | 11.7252% | 6,205 |
| Memoranda: | ||
| Average total assets | $744,083,670 | 914 |
| Average earning assets | $686,630,670 | 896 |
| Average equity | $65,729,000 | 1,113 |
| Average total loans | $613,527,330 | 706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,991 |
| Cost of funding earning assets | 0.7817% | 826 |
| Net interest margin | 3.6574% | 3,033 |
| Noninterest income to average assets | 0.2315% | 5,499 |
| Noninterest expense to average assets | 1.9123% | 6,046 |
| Loan and lease loss provision to assets | 0.1234% | 1,954 |
| Net operating income to assets | 1.0949% | 1,833 |
| Return on assets (ROA) | 1.0900% | 1,916 |
| Pretax return on assets | 1.5760% | 1,222 |
| Return on Equity (ROE) | 12.3064% | 1,342 |
| Retained earnings to average equity (ytd only) | 9.2096% | 1,191 |
| Net charge-offs to loans | 0.1427% | 1,870 |
| Credit loss provision to net charge-offs | 104.6512% | 1,598 |
| Earnings coverage of net charge-offs (x) | 14.4512% | 1,609 |
| Efficiency ratio | 52.8743% | 6,089 |
| Assets per employee ($millions) | 11.6027% | 148 |
| Cash dividends to net income (ytd only)* | 25.1636% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,799 |
| Loan loss allowance to noncurrent loans | 173.8856% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 2,882 |
| Noncurrent loans to loans | 0.9081% | 3,610 |
| Net loans and leases to total assets | 80.8725% | 469 |
| Net loans and leases to deposits | 97.7459% | 561 |
| Net loans and leases to core deposits | 180.2248% | 50 |
| Total domestic deposits to total assets | 82.7375% | 4,695 |
| Equity capital to assets | 8.8285% | 5,297 |
| Core capital (leverage) ratio | 9.1701% | 4,762 |
| Tier 1 risk-based capital ratio | 10.5463% | 6,316 |
| Total risk-based capital ratio | 11.8010% | 6,283 |
| Memoranda: | ||
| Average total assets | $729,187,500 | 934 |
| Average earning assets | $674,912,000 | 918 |
| Average equity | $64,584,500 | 1,131 |
| Average total loans | $602,742,500 | 720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,953 |
| Cost of funding earning assets | 0.8273% | 1,051 |
| Net interest margin | 3.7451% | 2,879 |
| Noninterest income to average assets | 0.6317% | 2,905 |
| Noninterest expense to average assets | 2.0860% | 5,859 |
| Loan and lease loss provision to assets | 0.2083% | 1,779 |
| Net operating income to assets | 1.2488% | 1,398 |
| Return on assets (ROA) | 1.2580% | 1,424 |
| Pretax return on assets | 1.8184% | 724 |
| Return on Equity (ROE) | 13.6985% | 1,017 |
| Retained earnings to average equity (ytd only) | 5.7101% | 2,156 |
| Net charge-offs to loans | 0.1461% | 3,339 |
| Credit loss provision to net charge-offs | 174.8768% | 1,312 |
| Earnings coverage of net charge-offs (x) | 16.8781% | 1,762 |
| Efficiency ratio | 50.9168% | 6,363 |
| Assets per employee ($millions) | 11.9301% | 139 |
| Cash dividends to net income (ytd only)* | 58.3158% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 2,695 |
| Loan loss allowance to noncurrent loans | 333.5066% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 3,794 |
| Noncurrent loans to loans | 0.4848% | 4,783 |
| Net loans and leases to total assets | 81.8225% | 426 |
| Net loans and leases to deposits | 99.9578% | 485 |
| Net loans and leases to core deposits | 186.5240% | 43 |
| Total domestic deposits to total assets | 81.8570% | 4,924 |
| Equity capital to assets | 8.8867% | 5,160 |
| Core capital (leverage) ratio | 9.1440% | 4,792 |
| Tier 1 risk-based capital ratio | 10.4938% | 6,365 |
| Total risk-based capital ratio | 11.7488% | 6,324 |
| Memoranda: | ||
| Average total assets | $681,545,600 | 979 |
| Average earning assets | $630,612,000 | 962 |
| Average equity | $62,591,000 | 1,150 |
| Average total loans | $555,755,200 | 752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,927 |
| Cost of funding earning assets | 0.8277% | 1,169 |
| Net interest margin | 3.7666% | 2,778 |
| Noninterest income to average assets | 0.7172% | 2,525 |
| Noninterest expense to average assets | 2.1637% | 5,694 |
| Loan and lease loss provision to assets | 0.2110% | 1,726 |
| Net operating income to assets | 1.2631% | 1,446 |
| Return on assets (ROA) | 1.2769% | 1,478 |
| Pretax return on assets | 1.8449% | 819 |
| Return on Equity (ROE) | 13.7852% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.1601% | 3,725 |
| Net charge-offs to loans | 0.1365% | 3,172 |
| Credit loss provision to net charge-offs | 190.5188% | 1,268 |
| Earnings coverage of net charge-offs (x) | 18.3615% | 1,688 |
| Efficiency ratio | 51.5506% | 6,288 |
| Assets per employee ($millions) | 10.5325% | 198 |
| Cash dividends to net income (ytd only)* | 69.8216% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 2,684 |
| Loan loss allowance to noncurrent loans | 294.3740% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 3,800 |
| Noncurrent loans to loans | 0.5714% | 4,775 |
| Net loans and leases to total assets | 80.0749% | 539 |
| Net loans and leases to deposits | 96.3773% | 663 |
| Net loans and leases to core deposits | 185.1845% | 44 |
| Total domestic deposits to total assets | 83.0848% | 4,544 |
| Equity capital to assets | 8.9951% | 5,194 |
| Core capital (leverage) ratio | 9.3320% | 4,645 |
| Tier 1 risk-based capital ratio | 10.7811% | 6,371 |
| Total risk-based capital ratio | 12.0370% | 6,334 |
| Memoranda: | ||
| Average total assets | $672,981,000 | 993 |
| Average earning assets | $621,762,250 | 986 |
| Average equity | $62,336,000 | 1,165 |
| Average total loans | $545,865,500 | 771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,858 |
| Cost of funding earning assets | 0.8397% | 1,205 |
| Net interest margin | 3.7595% | 2,721 |
| Noninterest income to average assets | 0.7752% | 2,299 |
| Noninterest expense to average assets | 2.1998% | 5,632 |
| Loan and lease loss provision to assets | 0.2133% | 1,774 |
| Net operating income to assets | 1.2707% | 1,402 |
| Return on assets (ROA) | 1.2945% | 1,425 |
| Pretax return on assets | 1.8699% | 787 |
| Return on Equity (ROE) | 13.8361% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.2009% | 3,619 |
| Net charge-offs to loans | 0.2000% | 2,563 |
| Credit loss provision to net charge-offs | 131.7254% | 1,726 |
| Earnings coverage of net charge-offs (x) | 12.6345% | 1,963 |
| Efficiency ratio | 51.8081% | 6,292 |
| Assets per employee ($millions) | 9.7930% | 235 |
| Cash dividends to net income (ytd only)* | 69.6379% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 2,877 |
| Loan loss allowance to noncurrent loans | 135.6964% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 2,807 |
| Noncurrent loans to loans | 1.2341% | 3,486 |
| Net loans and leases to total assets | 79.8397% | 552 |
| Net loans and leases to deposits | 96.2464% | 652 |
| Net loans and leases to core deposits | 189.9031% | 46 |
| Total domestic deposits to total assets | 82.9534% | 4,714 |
| Equity capital to assets | 9.1944% | 4,998 |
| Core capital (leverage) ratio | 9.5399% | 4,183 |
| Tier 1 risk-based capital ratio | 10.9721% | 6,346 |
| Total risk-based capital ratio | 12.2278% | 6,313 |
| Memoranda: | ||
| Average total assets | $665,593,670 | 1,003 |
| Average earning assets | $614,499,330 | 1,002 |
| Average equity | $62,271,670 | 1,170 |
| Average total loans | $539,101,330 | 775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,722 |
| Cost of funding earning assets | 0.8672% | 1,168 |
| Net interest margin | 3.7700% | 2,567 |
| Noninterest income to average assets | 0.7969% | 2,136 |
| Noninterest expense to average assets | 2.2915% | 5,451 |
| Loan and lease loss provision to assets | 0.2150% | 1,727 |
| Net operating income to assets | 1.2220% | 1,465 |
| Return on assets (ROA) | 1.2166% | 1,592 |
| Pretax return on assets | 1.7495% | 974 |
| Return on Equity (ROE) | 12.8899% | 1,197 |
| Retained earnings to average equity (ytd only) | 3.2658% | 4,293 |
| Net charge-offs to loans | 0.0981% | 2,875 |
| Credit loss provision to net charge-offs | 270.9924% | 866 |
| Earnings coverage of net charge-offs (x) | 24.8321% | 1,065 |
| Efficiency ratio | 53.7729% | 6,249 |
| Assets per employee ($millions) | 10.7681% | 181 |
| Cash dividends to net income (ytd only)* | 74.6640% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 2,881 |
| Loan loss allowance to noncurrent loans | 207.9901% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 4,441 |
| Noncurrent loans to loans | 0.8314% | 4,461 |
| Net loans and leases to total assets | 78.6659% | 544 |
| Net loans and leases to deposits | 89.8095% | 988 |
| Net loans and leases to core deposits | 164.9209% | 65 |
| Total domestic deposits to total assets | 87.5919% | 2,579 |
| Equity capital to assets | 9.3637% | 5,038 |
| Core capital (leverage) ratio | 9.4345% | 4,192 |
| Tier 1 risk-based capital ratio | 11.1300% | 6,347 |
| Total risk-based capital ratio | 12.3862% | 6,321 |
| Memoranda: | ||
| Average total assets | $660,531,000 | 1,023 |
| Average earning assets | $606,999,000 | 1,026 |
| Average equity | $62,343,500 | 1,183 |
| Average total loans | $534,312,000 | 785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 2,054 |
| Cost of funding earning assets | 1.2372% | 487 |
| Net interest margin | 3.6039% | 4,064 |
| Noninterest income to average assets | 0.8189% | 2,182 |
| Noninterest expense to average assets | 2.2299% | 5,857 |
| Loan and lease loss provision to assets | 0.3407% | 1,975 |
| Net operating income to assets | 1.1665% | 1,707 |
| Return on assets (ROA) | 1.2779% | 1,518 |
| Pretax return on assets | 1.7625% | 993 |
| Return on Equity (ROE) | 13.4257% | 1,122 |
| Retained earnings to average equity (ytd only) | 2.0370% | 4,793 |
| Net charge-offs to loans | 0.2116% | 3,696 |
| Credit loss provision to net charge-offs | 198.9150% | 1,310 |
| Earnings coverage of net charge-offs (x) | 11.3770% | 2,037 |
| Efficiency ratio | 53.3669% | 6,340 |
| Assets per employee ($millions) | 10.2100% | 218 |
| Cash dividends to net income (ytd only)* | 84.8279% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 2,973 |
| Loan loss allowance to noncurrent loans | 158.6662% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 3,802 |
| Noncurrent loans to loans | 1.0638% | 4,083 |
| Net loans and leases to total assets | 80.3709% | 436 |
| Net loans and leases to deposits | 94.3062% | 731 |
| Net loans and leases to core deposits | 159.1532% | 84 |
| Total domestic deposits to total assets | 85.2233% | 3,754 |
| Equity capital to assets | 9.5147% | 4,855 |
| Core capital (leverage) ratio | 9.6056% | 3,952 |
| Tier 1 risk-based capital ratio | 11.1195% | 6,309 |
| Total risk-based capital ratio | 12.3752% | 6,271 |
| Memoranda: | ||
| Average total assets | $645,770,800 | 1,019 |
| Average earning assets | $601,990,400 | 998 |
| Average equity | $61,464,000 | 1,159 |
| Average total loans | $522,596,800 | 790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 2,148 |
| Cost of funding earning assets | 1.2121% | 657 |
| Net interest margin | 3.6495% | 4,008 |
| Noninterest income to average assets | 0.7252% | 2,594 |
| Noninterest expense to average assets | 2.1938% | 5,968 |
| Loan and lease loss provision to assets | 0.3235% | 2,032 |
| Net operating income to assets | 1.1268% | 2,002 |
| Return on assets (ROA) | 1.2549% | 1,723 |
| Pretax return on assets | 1.8064% | 1,032 |
| Return on Equity (ROE) | 13.1836% | 1,293 |
| Retained earnings to average equity (ytd only) | 1.2183% | 5,689 |
| Net charge-offs to loans | 0.2794% | 3,047 |
| Credit loss provision to net charge-offs | 143.4343% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.6217% | 2,420 |
| Efficiency ratio | 53.0151% | 6,349 |
| Assets per employee ($millions) | 9.4499% | 281 |
| Cash dividends to net income (ytd only)* | 90.7591% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,603 |
| Loan loss allowance to noncurrent loans | 128.0073% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 3,974 |
| Noncurrent loans to loans | 1.2340% | 3,989 |
| Net loans and leases to total assets | 81.4072% | 393 |
| Net loans and leases to deposits | 99.1761% | 484 |
| Net loans and leases to core deposits | 175.3975% | 61 |
| Total domestic deposits to total assets | 82.0835% | 4,991 |
| Equity capital to assets | 9.5963% | 5,064 |
| Core capital (leverage) ratio | 9.7213% | 3,919 |
| Tier 1 risk-based capital ratio | 11.2316% | 6,385 |
| Total risk-based capital ratio | 12.4861% | 6,354 |
| Memoranda: | ||
| Average total assets | $643,853,000 | 1,030 |
| Average earning assets | $602,116,500 | 1,003 |
| Average equity | $61,286,750 | 1,175 |
| Average total loans | $519,697,500 | 800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 2,315 |
| Cost of funding earning assets | 1.2480% | 655 |
| Net interest margin | 3.5993% | 4,265 |
| Noninterest income to average assets | 0.6960% | 2,696 |
| Noninterest expense to average assets | 2.1755% | 6,068 |
| Loan and lease loss provision to assets | 0.3648% | 1,809 |
| Net operating income to assets | 1.0564% | 2,220 |
| Return on assets (ROA) | 1.2513% | 1,730 |
| Pretax return on assets | 1.8020% | 1,038 |
| Return on Equity (ROE) | 13.1817% | 1,317 |
| Retained earnings to average equity (ytd only) | 0.1014% | 6,008 |
| Net charge-offs to loans | 0.2443% | 3,106 |
| Credit loss provision to net charge-offs | 186.5079% | 1,516 |
| Earnings coverage of net charge-offs (x) | 9.6429% | 2,148 |
| Efficiency ratio | 53.5657% | 6,355 |
| Assets per employee ($millions) | 9.5447% | 267 |
| Cash dividends to net income (ytd only)* | 99.2310% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,582 |
| Loan loss allowance to noncurrent loans | 123.2068% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 3,946 |
| Noncurrent loans to loans | 1.3035% | 3,967 |
| Net loans and leases to total assets | 82.3553% | 317 |
| Net loans and leases to deposits | 103.5099% | 288 |
| Net loans and leases to core deposits | 190.4713% | 58 |
| Total domestic deposits to total assets | 79.5627% | 5,846 |
| Equity capital to assets | 9.7098% | 4,744 |
| Core capital (leverage) ratio | 9.5635% | 4,055 |
| Tier 1 risk-based capital ratio | 11.2903% | 6,340 |
| Total risk-based capital ratio | 12.5452% | 6,317 |
| Memoranda: | ||
| Average total assets | $644,273,330 | 1,027 |
| Average earning assets | $602,401,670 | 1,001 |
| Average equity | $61,160,670 | 1,167 |
| Average total loans | $515,759,330 | 808 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 2,610 |
| Cost of funding earning assets | 1.3127% | 604 |
| Net interest margin | 3.4942% | 4,733 |
| Noninterest income to average assets | 0.5655% | 3,457 |
| Noninterest expense to average assets | 2.1706% | 6,114 |
| Loan and lease loss provision to assets | 0.2376% | 2,569 |
| Net operating income to assets | 0.9925% | 2,509 |
| Return on assets (ROA) | 1.1286% | 2,143 |
| Pretax return on assets | 1.6217% | 1,500 |
| Return on Equity (ROE) | 12.0214% | 1,670 |
| Retained earnings to average equity (ytd only) | -4.3298% | 6,536 |
| Net charge-offs to loans | 0.2933% | 2,494 |
| Credit loss provision to net charge-offs | 103.4759% | 2,233 |
| Earnings coverage of net charge-offs (x) | 7.2380% | 2,100 |
| Efficiency ratio | 56.6325% | 6,061 |
| Assets per employee ($millions) | 10.6712% | 195 |
| Cash dividends to net income (ytd only)* | 136.0174% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,945 |
| Loan loss allowance to noncurrent loans | 104.9180% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 3,942 |
| Noncurrent loans to loans | 1.4769% | 3,903 |
| Net loans and leases to total assets | 77.4594% | 641 |
| Net loans and leases to deposits | 94.0014% | 662 |
| Net loans and leases to core deposits | 168.0213% | 73 |
| Total domestic deposits to total assets | 82.4024% | 5,163 |
| Equity capital to assets | 9.3194% | 5,067 |
| Core capital (leverage) ratio | 9.2114% | 4,497 |
| Tier 1 risk-based capital ratio | 11.5366% | 6,259 |
| Total risk-based capital ratio | 12.7908% | 6,234 |
| Memoranda: | ||
| Average total assets | $651,434,500 | 1,017 |
| Average earning assets | $609,120,000 | 988 |
| Average equity | $61,157,500 | 1,164 |
| Average total loans | $510,006,000 | 818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 2,516 |
| Cost of funding earning assets | 1.5493% | 590 |
| Net interest margin | 3.5340% | 5,005 |
| Noninterest income to average assets | 0.5190% | 3,725 |
| Noninterest expense to average assets | 2.0742% | 6,540 |
| Loan and lease loss provision to assets | 0.3979% | 2,606 |
| Net operating income to assets | 1.0943% | 1,856 |
| Return on assets (ROA) | 1.1260% | 1,856 |
| Pretax return on assets | 1.4188% | 1,724 |
| Return on Equity (ROE) | 12.1818% | 1,358 |
| Retained earnings to average equity (ytd only) | 2.0528% | 4,752 |
| Net charge-offs to loans | 0.4054% | 3,395 |
| Credit loss provision to net charge-offs | 123.5465% | 2,547 |
| Earnings coverage of net charge-offs (x) | 5.5107% | 2,766 |
| Efficiency ratio | 53.8879% | 6,523 |
| Assets per employee ($millions) | 10.5150% | 202 |
| Cash dividends to net income (ytd only)* | 83.1486% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,749 |
| Loan loss allowance to noncurrent loans | 97.5379% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 3,911 |
| Noncurrent loans to loans | 1.5995% | 3,765 |
| Net loans and leases to total assets | 76.6861% | 870 |
| Net loans and leases to deposits | 94.5915% | 772 |
| Net loans and leases to core deposits | 173.9956% | 86 |
| Total domestic deposits to total assets | 81.0708% | 5,427 |
| Equity capital to assets | 9.4567% | 4,950 |
| Core capital (leverage) ratio | 9.4336% | 4,135 |
| Tier 1 risk-based capital ratio | 11.8760% | 5,916 |
| Total risk-based capital ratio | 13.1299% | 5,894 |
| Memoranda: | ||
| Average total assets | $640,825,400 | 1,012 |
| Average earning assets | $603,840,400 | 968 |
| Average equity | $59,236,000 | 1,142 |
| Average total loans | $509,067,000 | 818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,441 |
| Cost of funding earning assets | 1.5947% | 594 |
| Net interest margin | 3.5425% | 5,012 |
| Noninterest income to average assets | 0.4869% | 3,978 |
| Noninterest expense to average assets | 1.9463% | 6,791 |
| Loan and lease loss provision to assets | 0.4075% | 2,425 |
| Net operating income to assets | 1.0307% | 2,213 |
| Return on assets (ROA) | 1.0356% | 2,347 |
| Pretax return on assets | 1.4822% | 1,697 |
| Return on Equity (ROE) | 11.2700% | 1,771 |
| Retained earnings to average equity (ytd only) | -2.3741% | 6,344 |
| Net charge-offs to loans | 0.3853% | 3,193 |
| Credit loss provision to net charge-offs | 132.4728% | 2,405 |
| Earnings coverage of net charge-offs (x) | 6.1121% | 2,617 |
| Efficiency ratio | 50.8656% | 6,774 |
| Assets per employee ($millions) | 10.8782% | 192 |
| Cash dividends to net income (ytd only)* | 121.0655% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,683 |
| Loan loss allowance to noncurrent loans | 113.9997% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 4,339 |
| Noncurrent loans to loans | 1.4009% | 4,192 |
| Net loans and leases to total assets | 74.7230% | 1,194 |
| Net loans and leases to deposits | 92.6200% | 956 |
| Net loans and leases to core deposits | 167.2861% | 95 |
| Total domestic deposits to total assets | 80.6770% | 5,539 |
| Equity capital to assets | 9.1276% | 5,609 |
| Core capital (leverage) ratio | 8.9910% | 4,945 |
| Tier 1 risk-based capital ratio | 11.8776% | 5,977 |
| Total risk-based capital ratio | 13.1320% | 5,955 |
| Memoranda: | ||
| Average total assets | $638,049,750 | 1,022 |
| Average earning assets | $601,477,500 | 981 |
| Average equity | $58,632,250 | 1,154 |
| Average total loans | $509,368,500 | 831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,390 |
| Cost of funding earning assets | 1.6409% | 585 |
| Net interest margin | 3.5265% | 5,034 |
| Noninterest income to average assets | 0.4924% | 3,929 |
| Noninterest expense to average assets | 1.9527% | 6,872 |
| Loan and lease loss provision to assets | 0.4264% | 2,298 |
| Net operating income to assets | 1.0070% | 2,201 |
| Return on assets (ROA) | 1.0010% | 2,326 |
| Pretax return on assets | 1.4290% | 1,726 |
| Return on Equity (ROE) | 10.8680% | 1,841 |
| Retained earnings to average equity (ytd only) | -4.5646% | 6,531 |
| Net charge-offs to loans | 0.4767% | 2,669 |
| Credit loss provision to net charge-offs | 110.2041% | 2,786 |
| Earnings coverage of net charge-offs (x) | 4.8106% | 2,771 |
| Efficiency ratio | 51.1967% | 6,859 |
| Assets per employee ($millions) | 10.8574% | 193 |
| Cash dividends to net income (ytd only)* | 142.0006% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 4,187 |
| Loan loss allowance to noncurrent loans | 105.6883% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 4,140 |
| Noncurrent loans to loans | 1.4079% | 4,303 |
| Net loans and leases to total assets | 76.8504% | 938 |
| Net loans and leases to deposits | 99.2048% | 528 |
| Net loans and leases to core deposits | 188.0782% | 80 |
| Total domestic deposits to total assets | 77.4665% | 6,383 |
| Equity capital to assets | 9.0234% | 5,547 |
| Core capital (leverage) ratio | 9.1895% | 4,428 |
| Tier 1 risk-based capital ratio | 11.4274% | 6,225 |
| Total risk-based capital ratio | 12.6804% | 6,212 |
| Memoranda: | ||
| Average total assets | $633,169,000 | 1,040 |
| Average earning assets | $596,396,000 | 1,001 |
| Average equity | $58,318,000 | 1,149 |
| Average total loans | $513,949,330 | 835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 2,239 |
| Cost of funding earning assets | 1.7330% | 489 |
| Net interest margin | 3.4619% | 5,173 |
| Noninterest income to average assets | 0.6314% | 2,954 |
| Noninterest expense to average assets | 2.0313% | 6,770 |
| Loan and lease loss provision to assets | 0.4807% | 1,833 |
| Net operating income to assets | 0.9698% | 2,282 |
| Return on assets (ROA) | 0.9634% | 2,370 |
| Pretax return on assets | 1.3704% | 1,814 |
| Return on Equity (ROE) | 10.3502% | 1,977 |
| Retained earnings to average equity (ytd only) | -10.3089% | 6,879 |
| Net charge-offs to loans | 0.6408% | 1,925 |
| Credit loss provision to net charge-offs | 90.5797% | 2,939 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,723 |
| Efficiency ratio | 52.2334% | 6,835 |
| Assets per employee ($millions) | 11.6616% | 166 |
| Cash dividends to net income (ytd only)* | 199.6008% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 4,504 |
| Loan loss allowance to noncurrent loans | 86.6172% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 3,771 |
| Noncurrent loans to loans | 1.6568% | 3,995 |
| Net loans and leases to total assets | 80.2607% | 490 |
| Net loans and leases to deposits | 104.0569% | 312 |
| Net loans and leases to core deposits | 208.6184% | 70 |
| Total domestic deposits to total assets | 77.1316% | 6,511 |
| Equity capital to assets | 9.1280% | 4,993 |
| Core capital (leverage) ratio | 9.4187% | 3,931 |
| Tier 1 risk-based capital ratio | 11.1591% | 6,386 |
| Total risk-based capital ratio | 12.4112% | 6,353 |
| Memoranda: | ||
| Average total assets | $624,032,500 | 1,067 |
| Average earning assets | $587,184,500 | 1,026 |
| Average equity | $58,086,000 | 1,139 |
| Average total loans | $516,825,000 | 844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 2,840 |
| Cost of funding earning assets | 2.0154% | 578 |
| Net interest margin | 3.3484% | 5,800 |
| Noninterest income to average assets | 0.6350% | 3,247 |
| Noninterest expense to average assets | 1.8554% | 7,212 |
| Loan and lease loss provision to assets | 0.6150% | 2,676 |
| Net operating income to assets | 0.8962% | 2,404 |
| Return on assets (ROA) | 0.9976% | 2,151 |
| Pretax return on assets | 1.4135% | 1,626 |
| Return on Equity (ROE) | 10.6848% | 1,695 |
| Retained earnings to average equity (ytd only) | 4.7205% | 2,596 |
| Net charge-offs to loans | 0.5107% | 3,571 |
| Credit loss provision to net charge-offs | 146.8518% | 2,497 |
| Earnings coverage of net charge-offs (x) | 4.4963% | 2,902 |
| Efficiency ratio | 49.6298% | 7,151 |
| Assets per employee ($millions) | 11.8912% | 161 |
| Cash dividends to net income (ytd only)* | 55.8201% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,386 |
| Loan loss allowance to noncurrent loans | 67.0665% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 3,266 |
| Noncurrent loans to loans | 2.1289% | 3,401 |
| Net loans and leases to total assets | 83.0339% | 382 |
| Net loans and leases to deposits | 105.4901% | 342 |
| Net loans and leases to core deposits | 199.5375% | 83 |
| Total domestic deposits to total assets | 78.7125% | 6,160 |
| Equity capital to assets | 9.4917% | 4,412 |
| Core capital (leverage) ratio | 9.4864% | 3,717 |
| Tier 1 risk-based capital ratio | 11.1843% | 6,190 |
| Total risk-based capital ratio | 12.4362% | 6,170 |
| Memoranda: | ||
| Average total assets | $610,538,600 | 1,092 |
| Average earning assets | $565,883,400 | 1,071 |
| Average equity | $57,006,200 | 1,167 |
| Average total loans | $500,699,200 | 895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 3,100 |
| Cost of funding earning assets | 2.0362% | 671 |
| Net interest margin | 3.3177% | 5,956 |
| Noninterest income to average assets | 0.5427% | 3,846 |
| Noninterest expense to average assets | 1.7621% | 7,377 |
| Loan and lease loss provision to assets | 0.5773% | 2,624 |
| Net operating income to assets | 0.8996% | 2,609 |
| Return on assets (ROA) | 0.9729% | 2,443 |
| Pretax return on assets | 1.3756% | 1,951 |
| Return on Equity (ROE) | 10.4642% | 1,953 |
| Retained earnings to average equity (ytd only) | 2.4529% | 4,705 |
| Net charge-offs to loans | 0.4654% | 3,425 |
| Credit loss provision to net charge-offs | 152.3121% | 2,546 |
| Earnings coverage of net charge-offs (x) | 4.8728% | 2,910 |
| Efficiency ratio | 48.8254% | 7,225 |
| Assets per employee ($millions) | 12.6749% | 149 |
| Cash dividends to net income (ytd only)* | 76.5593% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,633 |
| Loan loss allowance to noncurrent loans | 75.8628% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 4,059 |
| Noncurrent loans to loans | 1.8039% | 3,941 |
| Net loans and leases to total assets | 78.1222% | 1,024 |
| Net loans and leases to deposits | 97.5147% | 840 |
| Net loans and leases to core deposits | 173.9762% | 115 |
| Total domestic deposits to total assets | 80.1132% | 5,667 |
| Equity capital to assets | 8.7684% | 5,906 |
| Core capital (leverage) ratio | 9.4909% | 3,918 |
| Tier 1 risk-based capital ratio | 10.7380% | 6,604 |
| Total risk-based capital ratio | 11.9890% | 6,581 |
| Memoranda: | ||
| Average total assets | $608,588,250 | 1,102 |
| Average earning assets | $562,466,000 | 1,080 |
| Average equity | $56,585,000 | 1,176 |
| Average total loans | $495,656,750 | 908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 2,803 |
| Cost of funding earning assets | 2.0956% | 666 |
| Net interest margin | 3.3439% | 5,856 |
| Noninterest income to average assets | 0.4340% | 4,656 |
| Noninterest expense to average assets | 1.7889% | 7,398 |
| Loan and lease loss provision to assets | 0.3650% | 3,518 |
| Net operating income to assets | 0.9622% | 2,320 |
| Return on assets (ROA) | 1.0068% | 2,245 |
| Pretax return on assets | 1.4256% | 1,766 |
| Return on Equity (ROE) | 10.6047% | 1,889 |
| Retained earnings to average equity (ytd only) | -1.4987% | 6,062 |
| Net charge-offs to loans | 0.3217% | 3,716 |
| Credit loss provision to net charge-offs | 137.9310% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.5185% | 2,446 |
| Efficiency ratio | 50.9089% | 7,160 |
| Assets per employee ($millions) | 12.9309% | 136 |
| Cash dividends to net income (ytd only)* | 114.1323% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,822 |
| Loan loss allowance to noncurrent loans | 95.6394% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 4,399 |
| Noncurrent loans to loans | 1.3760% | 4,643 |
| Net loans and leases to total assets | 82.4008% | 497 |
| Net loans and leases to deposits | 105.3523% | 424 |
| Net loans and leases to core deposits | 204.2369% | 89 |
| Total domestic deposits to total assets | 78.2145% | 6,221 |
| Equity capital to assets | 9.4647% | 4,760 |
| Core capital (leverage) ratio | 9.7422% | 3,485 |
| Tier 1 risk-based capital ratio | 10.7796% | 6,463 |
| Total risk-based capital ratio | 12.0296% | 6,448 |
| Memoranda: | ||
| Average total assets | $591,752,330 | 1,147 |
| Average earning assets | $545,056,330 | 1,125 |
| Average equity | $56,182,670 | 1,173 |
| Average total loans | $486,861,000 | 937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 2,819 |
| Cost of funding earning assets | 2.1384% | 717 |
| Net interest margin | 3.3126% | 5,919 |
| Noninterest income to average assets | 0.4412% | 4,553 |
| Noninterest expense to average assets | 1.6963% | 7,580 |
| Loan and lease loss provision to assets | 0.3660% | 3,174 |
| Net operating income to assets | 1.0089% | 2,145 |
| Return on assets (ROA) | 1.0247% | 2,154 |
| Pretax return on assets | 1.4537% | 1,631 |
| Return on Equity (ROE) | 10.7759% | 1,847 |
| Retained earnings to average equity (ytd only) | -3.4780% | 6,425 |
| Net charge-offs to loans | 0.1245% | 4,224 |
| Credit loss provision to net charge-offs | 360.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 17.6533% | 1,270 |
| Efficiency ratio | 48.5925% | 7,402 |
| Assets per employee ($millions) | 12.7402% | 146 |
| Cash dividends to net income (ytd only)* | 132.2751% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,487 |
| Loan loss allowance to noncurrent loans | 121.7447% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 4,717 |
| Noncurrent loans to loans | 1.1383% | 5,092 |
| Net loans and leases to total assets | 80.4946% | 770 |
| Net loans and leases to deposits | 103.2046% | 577 |
| Net loans and leases to core deposits | 178.8383% | 130 |
| Total domestic deposits to total assets | 77.9951% | 6,318 |
| Equity capital to assets | 9.5427% | 4,462 |
| Core capital (leverage) ratio | 9.6850% | 3,536 |
| Tier 1 risk-based capital ratio | 11.1760% | 5,983 |
| Total risk-based capital ratio | 12.4282% | 5,936 |
| Memoranda: | ||
| Average total assets | $590,217,500 | 1,175 |
| Average earning assets | $543,386,500 | 1,160 |
| Average equity | $56,125,000 | 1,184 |
| Average total loans | $481,954,500 | 977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 4,373 |
| Cost of funding earning assets | 2.5980% | 787 |
| Net interest margin | 2.8641% | 6,934 |
| Noninterest income to average assets | 0.4805% | 4,562 |
| Noninterest expense to average assets | 1.7029% | 7,700 |
| Loan and lease loss provision to assets | 0.2814% | 5,170 |
| Net operating income to assets | 0.8105% | 2,494 |
| Return on assets (ROA) | 0.9346% | 2,125 |
| Pretax return on assets | 1.3283% | 1,618 |
| Return on Equity (ROE) | 10.3912% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.5270% | 580 |
| Net charge-offs to loans | 0.2059% | 5,344 |
| Credit loss provision to net charge-offs | 167.8000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 8.5410% | 1,926 |
| Efficiency ratio | 54.3189% | 7,194 |
| Assets per employee ($millions) | 12.9215% | 143 |
| Cash dividends to net income (ytd only)* | 17.9404% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,845 |
| Loan loss allowance to noncurrent loans | 250.2607% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 5,761 |
| Noncurrent loans to loans | 0.5134% | 6,226 |
| Net loans and leases to total assets | 80.6384% | 887 |
| Net loans and leases to deposits | 105.2132% | 590 |
| Net loans and leases to core deposits | 128.4071% | 1,370 |
| Total domestic deposits to total assets | 76.6429% | 6,562 |
| Equity capital to assets | 9.4761% | 4,446 |
| Core capital (leverage) ratio | 9.3994% | 3,833 |
| Tier 1 risk-based capital ratio | 11.0595% | 5,863 |
| Total risk-based capital ratio | 12.2795% | 5,860 |
| Memoranda: | ||
| Average total assets | $596,406,800 | 1,160 |
| Average earning assets | $552,738,600 | 1,140 |
| Average equity | $53,641,600 | 1,232 |
| Average total loans | $485,711,200 | 995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 4,755 |
| Cost of funding earning assets | 2.6509% | 906 |
| Net interest margin | 2.7865% | 7,080 |
| Noninterest income to average assets | 0.5048% | 4,443 |
| Noninterest expense to average assets | 1.7338% | 7,725 |
| Loan and lease loss provision to assets | 0.3078% | 4,506 |
| Net operating income to assets | 0.7414% | 3,057 |
| Return on assets (ROA) | 0.8729% | 2,600 |
| Pretax return on assets | 1.2442% | 2,127 |
| Return on Equity (ROE) | 9.8366% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.3196% | 1,387 |
| Net charge-offs to loans | 0.2377% | 4,560 |
| Credit loss provision to net charge-offs | 159.1224% | 2,986 |
| Earnings coverage of net charge-offs (x) | 7.0369% | 2,487 |
| Efficiency ratio | 56.0191% | 6,997 |
| Assets per employee ($millions) | 12.8319% | 147 |
| Cash dividends to net income (ytd only)* | 25.5885% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,873 |
| Loan loss allowance to noncurrent loans | 140.9703% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 5,046 |
| Noncurrent loans to loans | 0.8830% | 5,525 |
| Net loans and leases to total assets | 79.8877% | 1,190 |
| Net loans and leases to deposits | 102.5431% | 881 |
| Net loans and leases to core deposits | 129.5185% | 1,461 |
| Total domestic deposits to total assets | 77.9064% | 6,112 |
| Equity capital to assets | 9.0937% | 5,349 |
| Core capital (leverage) ratio | 9.2253% | 4,300 |
| Tier 1 risk-based capital ratio | 10.6289% | 6,316 |
| Total risk-based capital ratio | 11.8048% | 6,370 |
| Memoranda: | ||
| Average total assets | $596,911,500 | 1,172 |
| Average earning assets | $554,860,750 | 1,148 |
| Average equity | $52,970,750 | 1,264 |
| Average total loans | $485,753,000 | 1,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 5,223 |
| Cost of funding earning assets | 2.6564% | 1,146 |
| Net interest margin | 2.7296% | 7,141 |
| Noninterest income to average assets | 0.5817% | 3,824 |
| Noninterest expense to average assets | 1.8445% | 7,694 |
| Loan and lease loss provision to assets | 0.2784% | 4,348 |
| Net operating income to assets | 0.7037% | 3,235 |
| Return on assets (ROA) | 0.9021% | 2,552 |
| Pretax return on assets | 1.3062% | 2,006 |
| Return on Equity (ROE) | 10.2510% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.4303% | 1,831 |
| Net charge-offs to loans | 0.1489% | 4,703 |
| Credit loss provision to net charge-offs | 229.3629% | 2,009 |
| Earnings coverage of net charge-offs (x) | 10.6620% | 1,974 |
| Efficiency ratio | 58.7681% | 6,727 |
| Assets per employee ($millions) | 12.6131% | 141 |
| Cash dividends to net income (ytd only)* | 37.2717% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,758 |
| Loan loss allowance to noncurrent loans | 107.5085% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 4,658 |
| Noncurrent loans to loans | 1.1422% | 4,932 |
| Net loans and leases to total assets | 80.0897% | 1,302 |
| Net loans and leases to deposits | 102.4436% | 1,038 |
| Net loans and leases to core deposits | 129.3349% | 1,627 |
| Total domestic deposits to total assets | 78.1793% | 6,027 |
| Equity capital to assets | 8.7676% | 5,646 |
| Core capital (leverage) ratio | 9.2084% | 4,299 |
| Tier 1 risk-based capital ratio | 10.2780% | 6,620 |
| Total risk-based capital ratio | 11.4323% | 6,662 |
| Memoranda: | ||
| Average total assets | $594,849,330 | 1,193 |
| Average earning assets | $557,226,000 | 1,163 |
| Average equity | $52,346,330 | 1,297 |
| Average total loans | $485,046,000 | 1,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4154% | 5,341 |
| Cost of funding earning assets | 2.7184% | 1,215 |
| Net interest margin | 2.6969% | 7,210 |
| Noninterest income to average assets | 0.4946% | 4,369 |
| Noninterest expense to average assets | 1.8271% | 7,664 |
| Loan and lease loss provision to assets | 0.3616% | 3,151 |
| Net operating income to assets | 0.5771% | 4,113 |
| Return on assets (ROA) | 0.9648% | 2,587 |
| Pretax return on assets | 1.4302% | 1,883 |
| Return on Equity (ROE) | 10.9430% | 1,982 |
| Retained earnings to average equity (ytd only) | 3.2475% | 4,069 |
| Net charge-offs to loans | 0.0946% | 4,228 |
| Credit loss provision to net charge-offs | 467.5439% | 1,135 |
| Earnings coverage of net charge-offs (x) | 15.7544% | 1,590 |
| Efficiency ratio | 59.9911% | 6,411 |
| Assets per employee ($millions) | 13.1097% | 137 |
| Cash dividends to net income (ytd only)* | 70.3235% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,554 |
| Loan loss allowance to noncurrent loans | 90.7436% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 4,051 |
| Noncurrent loans to loans | 1.3608% | 4,278 |
| Net loans and leases to total assets | 82.9196% | 861 |
| Net loans and leases to deposits | 114.3511% | 434 |
| Net loans and leases to core deposits | 139.3533% | 1,135 |
| Total domestic deposits to total assets | 72.5132% | 7,129 |
| Equity capital to assets | 9.0228% | 5,329 |
| Core capital (leverage) ratio | 8.8343% | 4,931 |
| Tier 1 risk-based capital ratio | 10.0544% | 6,848 |
| Total risk-based capital ratio | 11.2014% | 6,886 |
| Memoranda: | ||
| Average total assets | $589,558,500 | 1,210 |
| Average earning assets | $557,674,000 | 1,170 |
| Average equity | $51,978,500 | 1,316 |
| Average total loans | $482,111,000 | 1,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 5,407 |
| Cost of funding earning assets | 3.3421% | 828 |
| Net interest margin | 2.6891% | 7,512 |
| Noninterest income to average assets | 0.3077% | 6,247 |
| Noninterest expense to average assets | 1.4729% | 8,047 |
| Loan and lease loss provision to assets | 0.2296% | 4,592 |
| Net operating income to assets | 0.7752% | 3,549 |
| Return on assets (ROA) | 0.8303% | 3,145 |
| Pretax return on assets | 1.2256% | 2,564 |
| Return on Equity (ROE) | 9.7192% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.7192% | 491 |
| Net charge-offs to loans | 0.1193% | 5,059 |
| Credit loss provision to net charge-offs | 235.5072% | 2,014 |
| Earnings coverage of net charge-offs (x) | 14.0942% | 2,077 |
| Efficiency ratio | 51.7310% | 7,521 |
| Assets per employee ($millions) | 13.6885% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 4,857 |
| Loan loss allowance to noncurrent loans | 107.8549% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 4,193 |
| Noncurrent loans to loans | 1.0743% | 4,417 |
| Net loans and leases to total assets | 78.7625% | 1,944 |
| Net loans and leases to deposits | 106.4067% | 1,092 |
| Net loans and leases to core deposits | 127.9194% | 2,004 |
| Total domestic deposits to total assets | 74.0202% | 6,652 |
| Equity capital to assets | 8.6189% | 5,901 |
| Core capital (leverage) ratio | 8.8557% | 4,964 |
| Tier 1 risk-based capital ratio | 9.8535% | 6,901 |
| Total risk-based capital ratio | 10.9072% | 7,032 |
| Memoranda: | ||
| Average total assets | $566,094,400 | 1,190 |
| Average earning assets | $534,606,000 | 1,154 |
| Average equity | $48,358,000 | 1,420 |
| Average total loans | $462,583,600 | 1,048 |