Home > The Heritage Bank > Performance and Condition Ratios
The Heritage Bank, Performance and Condition Ratios
| 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 | 3.2613% | 6,144 |
| Cost of funding earning assets | 0.2903% | 5,899 |
| Net interest margin | 2.9710% | 5,644 |
| Noninterest income to average assets | 0.6212% | 3,069 |
| Noninterest expense to average assets | 4.1190% | 761 |
| Loan and lease loss provision to assets | 0.1964% | 1,936 |
| Net operating income to assets | -0.6346% | 6,676 |
| Return on assets (ROA) | -0.6346% | 6,690 |
| Pretax return on assets | -0.9056% | 6,721 |
| Return on Equity (ROE) | -5.9646% | 6,658 |
| Retained earnings to average equity (ytd only) | -7.0171% | 6,570 |
| Net charge-offs to loans | 0.2887% | 2,039 |
| Credit loss provision to net charge-offs | 152.0231% | 1,518 |
| Earnings coverage of net charge-offs (x) | -5.4913% | 4,834 |
| Efficiency ratio | 120.8014% | 176 |
| Assets per employee ($millions) | 3.1723% | 5,540 |
| Cash dividends to net income (ytd only)* | -17.6471% | 6,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 2,545 |
| Loan loss allowance to noncurrent loans | 66.0949% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.3248% | 1,856 |
| Noncurrent loans to loans | 2.6712% | 1,708 |
| Net loans and leases to total assets | 45.0604% | 5,629 |
| Net loans and leases to deposits | 51.8054% | 5,701 |
| Net loans and leases to core deposits | 52.8195% | 5,828 |
| Total domestic deposits to total assets | 86.9802% | 2,833 |
| Equity capital to assets | 10.1204% | 3,763 |
| Core capital (leverage) ratio | 10.2759% | 3,128 |
| Tier 1 risk-based capital ratio | 18.4784% | 2,151 |
| Total risk-based capital ratio | 20.9103% | 1,786 |
| Memoranda: | ||
| Average total assets | $267,877,670 | 2,392 |
| Average earning assets | $251,429,670 | 2,335 |
| Average equity | $28,501,670 | 2,390 |
| Average total loans | $119,866,000 | 3,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 6,207 |
| Cost of funding earning assets | 0.2983% | 5,975 |
| Net interest margin | 2.9723% | 5,647 |
| Noninterest income to average assets | 0.6866% | 2,668 |
| Noninterest expense to average assets | 3.5684% | 1,476 |
| Loan and lease loss provision to assets | 0.3917% | 799 |
| Net operating income to assets | -0.3425% | 6,602 |
| Return on assets (ROA) | -0.3425% | 6,632 |
| Pretax return on assets | -0.4840% | 6,668 |
| Return on Equity (ROE) | -3.1433% | 6,618 |
| Retained earnings to average equity (ytd only) | -4.4416% | 6,319 |
| Net charge-offs to loans | 0.5864% | 1,038 |
| Credit loss provision to net charge-offs | 151.1494% | 1,357 |
| Earnings coverage of net charge-offs (x) | -0.3563% | 3,904 |
| Efficiency ratio | 102.6564% | 463 |
| Assets per employee ($millions) | 3.1776% | 5,675 |
| Cash dividends to net income (ytd only)* | -41.3043% | 6,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 2,513 |
| Loan loss allowance to noncurrent loans | 75.2617% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 2,130 |
| Noncurrent loans to loans | 2.4332% | 2,122 |
| Net loans and leases to total assets | 42.8107% | 5,774 |
| Net loans and leases to deposits | 49.5157% | 5,821 |
| Net loans and leases to core deposits | 50.7548% | 5,913 |
| Total domestic deposits to total assets | 86.4589% | 3,266 |
| Equity capital to assets | 10.8117% | 3,185 |
| Core capital (leverage) ratio | 10.4756% | 2,812 |
| Tier 1 risk-based capital ratio | 19.8219% | 1,818 |
| Total risk-based capital ratio | 22.2381% | 1,514 |
| Memoranda: | ||
| Average total assets | $268,581,000 | 2,407 |
| Average earning assets | $252,057,500 | 2,352 |
| Average equity | $29,268,500 | 2,351 |
| Average total loans | $118,683,500 | 3,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 6,201 |
| Cost of funding earning assets | 0.4239% | 5,760 |
| Net interest margin | 3.1910% | 5,592 |
| Noninterest income to average assets | 0.6816% | 2,828 |
| Noninterest expense to average assets | 3.6598% | 1,486 |
| Loan and lease loss provision to assets | 0.1779% | 3,402 |
| Net operating income to assets | -0.1173% | 6,296 |
| Return on assets (ROA) | 0.2437% | 5,854 |
| Pretax return on assets | 0.3605% | 5,679 |
| Return on Equity (ROE) | 2.1864% | 5,848 |
| Retained earnings to average equity (ytd only) | -0.8011% | 5,987 |
| Net charge-offs to loans | 0.8497% | 1,352 |
| Credit loss provision to net charge-offs | 44.6312% | 4,826 |
| Earnings coverage of net charge-offs (x) | 0.0187% | 5,474 |
| Efficiency ratio | 99.7971% | 569 |
| Assets per employee ($millions) | 3.1794% | 5,674 |
| Cash dividends to net income (ytd only)* | 136.6412% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 2,821 |
| Loan loss allowance to noncurrent loans | 91.3024% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 2,396 |
| Noncurrent loans to loans | 1.8941% | 2,813 |
| Net loans and leases to total assets | 44.0011% | 5,818 |
| Net loans and leases to deposits | 50.9672% | 5,890 |
| Net loans and leases to core deposits | 52.1802% | 6,005 |
| Total domestic deposits to total assets | 86.3322% | 3,184 |
| Equity capital to assets | 10.9842% | 2,969 |
| Core capital (leverage) ratio | 10.5614% | 2,693 |
| Tier 1 risk-based capital ratio | 19.7862% | 1,733 |
| Total risk-based capital ratio | 22.0409% | 1,474 |
| Memoranda: | ||
| Average total assets | $268,760,800 | 2,352 |
| Average earning assets | $251,459,000 | 2,306 |
| Average equity | $29,958,400 | 2,251 |
| Average total loans | $126,043,600 | 2,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 6,286 |
| Cost of funding earning assets | 0.4465% | 5,822 |
| Net interest margin | 3.2209% | 5,649 |
| Noninterest income to average assets | 0.7628% | 2,415 |
| Noninterest expense to average assets | 3.5425% | 1,666 |
| Loan and lease loss provision to assets | 0.1114% | 4,175 |
| Net operating income to assets | 0.1025% | 6,126 |
| Return on assets (ROA) | 0.3205% | 5,749 |
| Pretax return on assets | 0.3804% | 5,762 |
| Return on Equity (ROE) | 2.8646% | 5,722 |
| Retained earnings to average equity (ytd only) | -1.0980% | 6,288 |
| Net charge-offs to loans | 0.6204% | 1,776 |
| Credit loss provision to net charge-offs | 37.8788% | 4,657 |
| Earnings coverage of net charge-offs (x) | 0.7896% | 4,933 |
| Efficiency ratio | 93.8460% | 785 |
| Assets per employee ($millions) | 3.1636% | 5,706 |
| Cash dividends to net income (ytd only)* | 138.3296% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,458 |
| Loan loss allowance to noncurrent loans | 254.6667% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 3,127 |
| Noncurrent loans to loans | 0.7478% | 4,925 |
| Net loans and leases to total assets | 43.3950% | 6,012 |
| Net loans and leases to deposits | 50.1877% | 6,094 |
| Net loans and leases to core deposits | 51.3525% | 6,221 |
| Total domestic deposits to total assets | 86.4655% | 3,007 |
| Equity capital to assets | 11.1476% | 3,097 |
| Core capital (leverage) ratio | 10.7029% | 2,695 |
| Tier 1 risk-based capital ratio | 20.1584% | 1,717 |
| Total risk-based capital ratio | 22.4302% | 1,450 |
| Memoranda: | ||
| Average total assets | $269,184,500 | 2,374 |
| Average earning assets | $251,726,250 | 2,336 |
| Average equity | $30,114,250 | 2,260 |
| Average total loans | $127,659,500 | 2,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 6,289 |
| Cost of funding earning assets | 0.4711% | 5,823 |
| Net interest margin | 3.2565% | 5,574 |
| Noninterest income to average assets | 0.7382% | 2,480 |
| Noninterest expense to average assets | 3.3204% | 2,250 |
| Loan and lease loss provision to assets | 0.0373% | 5,210 |
| Net operating income to assets | 0.3616% | 5,372 |
| Return on assets (ROA) | 0.3616% | 5,597 |
| Pretax return on assets | 0.4369% | 5,610 |
| Return on Equity (ROE) | 3.2287% | 5,591 |
| Retained earnings to average equity (ytd only) | -2.0637% | 6,366 |
| Net charge-offs to loans | 0.5273% | 2,009 |
| Credit loss provision to net charge-offs | 14.5773% | 4,686 |
| Earnings coverage of net charge-offs (x) | 1.8542% | 4,047 |
| Efficiency ratio | 87.5025% | 1,282 |
| Assets per employee ($millions) | 3.1521% | 5,741 |
| Cash dividends to net income (ytd only)* | 163.9175% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,677 |
| Loan loss allowance to noncurrent loans | 77.5885% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8620% | 2,954 |
| Noncurrent loans to loans | 2.3953% | 2,506 |
| Net loans and leases to total assets | 47.2291% | 5,691 |
| Net loans and leases to deposits | 54.8236% | 5,787 |
| Net loans and leases to core deposits | 56.2386% | 5,922 |
| Total domestic deposits to total assets | 86.1474% | 3,285 |
| Equity capital to assets | 11.4018% | 2,686 |
| Core capital (leverage) ratio | 10.5636% | 2,741 |
| Tier 1 risk-based capital ratio | 19.9368% | 1,714 |
| Total risk-based capital ratio | 22.2287% | 1,457 |
| Memoranda: | ||
| Average total assets | $268,223,330 | 2,387 |
| Average earning assets | $251,743,670 | 2,342 |
| Average equity | $30,042,670 | 2,250 |
| Average total loans | $130,094,000 | 2,926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 6,413 |
| Cost of funding earning assets | 0.4961% | 5,844 |
| Net interest margin | 3.2200% | 5,734 |
| Noninterest income to average assets | 0.7824% | 2,250 |
| Noninterest expense to average assets | 3.3147% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3986% | 5,264 |
| Return on assets (ROA) | 0.3986% | 5,450 |
| Pretax return on assets | 0.4875% | 5,471 |
| Return on Equity (ROE) | 3.5903% | 5,467 |
| Retained earnings to average equity (ytd only) | 1.5883% | 5,443 |
| Net charge-offs to loans | 0.0213% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 665 |
| Efficiency ratio | 87.1785% | 1,365 |
| Assets per employee ($millions) | 3.2277% | 5,709 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 2,195 |
| Loan loss allowance to noncurrent loans | 52.7529% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.5438% | 2,323 |
| Noncurrent loans to loans | 3.8997% | 1,581 |
| Net loans and leases to total assets | 46.0557% | 5,774 |
| Net loans and leases to deposits | 53.3287% | 5,882 |
| Net loans and leases to core deposits | 54.6487% | 6,009 |
| Total domestic deposits to total assets | 86.3618% | 3,326 |
| Equity capital to assets | 10.8841% | 3,047 |
| Core capital (leverage) ratio | 10.6251% | 2,619 |
| Tier 1 risk-based capital ratio | 20.0021% | 1,714 |
| Total risk-based capital ratio | 22.4102% | 1,430 |
| Memoranda: | ||
| Average total assets | $269,948,500 | 2,385 |
| Average earning assets | $253,169,500 | 2,341 |
| Average equity | $29,969,500 | 2,263 |
| Average total loans | $131,432,000 | 2,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 5,974 |
| Cost of funding earning assets | 0.6367% | 5,890 |
| Net interest margin | 3.5940% | 4,757 |
| Noninterest income to average assets | 0.5773% | 3,315 |
| Noninterest expense to average assets | 3.5414% | 1,882 |
| Loan and lease loss provision to assets | 0.7178% | 1,424 |
| Net operating income to assets | -0.2274% | 6,281 |
| Return on assets (ROA) | 0.3358% | 5,280 |
| Pretax return on assets | 0.4887% | 5,024 |
| Return on Equity (ROE) | 3.0392% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.8493% | 4,899 |
| Net charge-offs to loans | 1.0659% | 1,622 |
| Credit loss provision to net charge-offs | 129.9116% | 2,361 |
| Earnings coverage of net charge-offs (x) | 0.7063% | 5,282 |
| Efficiency ratio | 90.0736% | 1,187 |
| Assets per employee ($millions) | 3.0522% | 5,988 |
| Cash dividends to net income (ytd only)* | 39.1499% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,318 |
| Loan loss allowance to noncurrent loans | 54.3061% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.5902% | 2,348 |
| Noncurrent loans to loans | 3.6607% | 1,728 |
| Net loans and leases to total assets | 49.4057% | 5,670 |
| Net loans and leases to deposits | 57.5254% | 5,753 |
| Net loans and leases to core deposits | 59.0056% | 5,932 |
| Total domestic deposits to total assets | 85.8851% | 3,375 |
| Equity capital to assets | 11.3270% | 2,664 |
| Core capital (leverage) ratio | 10.7311% | 2,496 |
| Tier 1 risk-based capital ratio | 19.8509% | 1,674 |
| Total risk-based capital ratio | 22.1962% | 1,403 |
| Memoranda: | ||
| Average total assets | $266,218,800 | 2,367 |
| Average earning assets | $248,468,000 | 2,318 |
| Average equity | $29,415,800 | 2,234 |
| Average total loans | $138,005,000 | 2,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 5,860 |
| Cost of funding earning assets | 0.6554% | 6,009 |
| Net interest margin | 3.6715% | 4,460 |
| Noninterest income to average assets | 0.6457% | 2,911 |
| Noninterest expense to average assets | 3.6027% | 1,703 |
| Loan and lease loss provision to assets | 0.4780% | 2,079 |
| Net operating income to assets | -0.0068% | 6,167 |
| Return on assets (ROA) | 0.3333% | 5,446 |
| Pretax return on assets | 0.4545% | 5,306 |
| Return on Equity (ROE) | 3.0358% | 5,397 |
| Retained earnings to average equity (ytd only) | 1.4404% | 5,427 |
| Net charge-offs to loans | 0.5063% | 2,735 |
| Credit loss provision to net charge-offs | 180.8712% | 1,642 |
| Earnings coverage of net charge-offs (x) | 1.7652% | 4,333 |
| Efficiency ratio | 88.5363% | 1,291 |
| Assets per employee ($millions) | 3.0103% | 6,094 |
| Cash dividends to net income (ytd only)* | 52.5530% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 2,548 |
| Loan loss allowance to noncurrent loans | 212.6908% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 3,508 |
| Noncurrent loans to loans | 0.9060% | 5,054 |
| Net loans and leases to total assets | 50.3044% | 5,673 |
| Net loans and leases to deposits | 58.9521% | 5,752 |
| Net loans and leases to core deposits | 60.3953% | 5,956 |
| Total domestic deposits to total assets | 85.3309% | 3,597 |
| Equity capital to assets | 11.3935% | 2,780 |
| Core capital (leverage) ratio | 10.6150% | 2,744 |
| Tier 1 risk-based capital ratio | 19.5020% | 1,816 |
| Total risk-based capital ratio | 21.6033% | 1,572 |
| Memoranda: | ||
| Average total assets | $266,388,000 | 2,379 |
| Average earning assets | $248,392,000 | 2,333 |
| Average equity | $29,250,250 | 2,250 |
| Average total loans | $139,042,750 | 2,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 5,752 |
| Cost of funding earning assets | 0.6772% | 6,088 |
| Net interest margin | 3.7066% | 4,229 |
| Noninterest income to average assets | 0.8132% | 1,960 |
| Noninterest expense to average assets | 3.5971% | 1,749 |
| Loan and lease loss provision to assets | 0.2633% | 3,293 |
| Net operating income to assets | 0.2813% | 5,444 |
| Return on assets (ROA) | 0.2813% | 5,575 |
| Pretax return on assets | 0.4115% | 5,360 |
| Return on Equity (ROE) | 2.5949% | 5,570 |
| Retained earnings to average equity (ytd only) | 0.8604% | 5,526 |
| Net charge-offs to loans | 0.3081% | 3,333 |
| Credit loss provision to net charge-offs | 162.7907% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.1721% | 2,943 |
| Efficiency ratio | 84.2050% | 1,792 |
| Assets per employee ($millions) | 2.9869% | 6,118 |
| Cash dividends to net income (ytd only)* | 66.8449% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,243 |
| Loan loss allowance to noncurrent loans | 151.6088% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 3,391 |
| Noncurrent loans to loans | 1.1380% | 4,756 |
| Net loans and leases to total assets | 49.9204% | 5,834 |
| Net loans and leases to deposits | 58.7376% | 5,854 |
| Net loans and leases to core deposits | 60.5021% | 6,048 |
| Total domestic deposits to total assets | 84.9888% | 3,886 |
| Equity capital to assets | 10.8961% | 3,069 |
| Core capital (leverage) ratio | 10.4470% | 2,766 |
| Tier 1 risk-based capital ratio | 19.5049% | 1,716 |
| Total risk-based capital ratio | 21.9378% | 1,451 |
| Memoranda: | ||
| Average total assets | $265,878,330 | 2,395 |
| Average earning assets | $248,097,000 | 2,348 |
| Average equity | $28,825,330 | 2,256 |
| Average total loans | $139,583,000 | 2,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 5,389 |
| Cost of funding earning assets | 0.7003% | 6,134 |
| Net interest margin | 3.7845% | 3,680 |
| Noninterest income to average assets | 0.9969% | 1,337 |
| Noninterest expense to average assets | 3.5733% | 1,819 |
| Loan and lease loss provision to assets | 0.1135% | 4,598 |
| Net operating income to assets | 0.5734% | 4,162 |
| Return on assets (ROA) | 0.5734% | 4,237 |
| Pretax return on assets | 0.8502% | 3,707 |
| Return on Equity (ROE) | 5.3021% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.9031% | 3,828 |
| Net charge-offs to loans | -0.0992% | 7,084 |
| Credit loss provision to net charge-offs | -214.2857% | 5,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7596% | 2,726 |
| Assets per employee ($millions) | 2.9229% | 6,300 |
| Cash dividends to net income (ytd only)* | 26.3852% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 3,492 |
| Loan loss allowance to noncurrent loans | 64.4279% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0588% | 3,250 |
| Noncurrent loans to loans | 2.5742% | 2,917 |
| Net loans and leases to total assets | 51.9642% | 5,587 |
| Net loans and leases to deposits | 59.9901% | 5,730 |
| Net loans and leases to core deposits | 62.4985% | 5,878 |
| Total domestic deposits to total assets | 86.6213% | 3,172 |
| Equity capital to assets | 10.7759% | 2,897 |
| Core capital (leverage) ratio | 10.5992% | 2,508 |
| Tier 1 risk-based capital ratio | 19.4864% | 1,703 |
| Total risk-based capital ratio | 22.0109% | 1,416 |
| Memoranda: | ||
| Average total assets | $264,407,500 | 2,432 |
| Average earning assets | $247,325,000 | 2,377 |
| Average equity | $28,592,500 | 2,263 |
| Average total loans | $141,098,500 | 2,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 6,076 |
| Cost of funding earning assets | 0.8859% | 6,220 |
| Net interest margin | 3.7254% | 4,247 |
| Noninterest income to average assets | 0.9429% | 1,692 |
| Noninterest expense to average assets | 4.1384% | 971 |
| Loan and lease loss provision to assets | 0.3633% | 3,937 |
| Net operating income to assets | -0.2000% | 6,119 |
| Return on assets (ROA) | 0.0787% | 5,775 |
| Pretax return on assets | 0.3299% | 5,147 |
| Return on Equity (ROE) | 0.6864% | 5,785 |
| Retained earnings to average equity (ytd only) | -0.5860% | 5,725 |
| Net charge-offs to loans | 0.8211% | 2,584 |
| Credit loss provision to net charge-offs | 75.6195% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.5364% | 5,576 |
| Efficiency ratio | 82.6053% | 2,091 |
| Assets per employee ($millions) | 2.8883% | 6,354 |
| Cash dividends to net income (ytd only)* | 185.3659% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,709 |
| Loan loss allowance to noncurrent loans | 54.1839% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2843% | 2,988 |
| Noncurrent loans to loans | 2.8938% | 2,629 |
| Net loans and leases to total assets | 53.0487% | 5,774 |
| Net loans and leases to deposits | 61.2100% | 5,933 |
| Net loans and leases to core deposits | 63.9685% | 6,052 |
| Total domestic deposits to total assets | 86.6668% | 2,998 |
| Equity capital to assets | 10.8522% | 2,817 |
| Core capital (leverage) ratio | 10.4832% | 2,576 |
| Tier 1 risk-based capital ratio | 19.3639% | 1,626 |
| Total risk-based capital ratio | 21.8056% | 1,376 |
| Memoranda: | ||
| Average total assets | $260,369,400 | 2,449 |
| Average earning assets | $241,346,000 | 2,415 |
| Average equity | $29,863,800 | 2,190 |
| Average total loans | $152,361,200 | 2,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 6,042 |
| Cost of funding earning assets | 0.9203% | 6,310 |
| Net interest margin | 3.7741% | 4,079 |
| Noninterest income to average assets | 0.9824% | 1,513 |
| Noninterest expense to average assets | 3.7763% | 1,417 |
| Loan and lease loss provision to assets | 0.2207% | 4,853 |
| Net operating income to assets | 0.3234% | 5,077 |
| Return on assets (ROA) | 0.3234% | 5,239 |
| Pretax return on assets | 0.4733% | 5,011 |
| Return on Equity (ROE) | 2.7815% | 5,316 |
| Retained earnings to average equity (ytd only) | 1.1479% | 5,363 |
| Net charge-offs to loans | 0.4532% | 3,487 |
| Credit loss provision to net charge-offs | 81.5939% | 5,090 |
| Earnings coverage of net charge-offs (x) | 2.5655% | 3,874 |
| Efficiency ratio | 81.5708% | 2,116 |
| Assets per employee ($millions) | 2.8607% | 6,465 |
| Cash dividends to net income (ytd only)* | 58.7300% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,336 |
| Loan loss allowance to noncurrent loans | 75.1780% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.9549% | 3,531 |
| Noncurrent loans to loans | 2.1942% | 3,454 |
| Net loans and leases to total assets | 54.4347% | 5,782 |
| Net loans and leases to deposits | 63.6462% | 5,957 |
| Net loans and leases to core deposits | 66.2857% | 6,100 |
| Total domestic deposits to total assets | 85.5271% | 3,330 |
| Equity capital to assets | 11.7151% | 2,347 |
| Core capital (leverage) ratio | 10.5389% | 2,648 |
| Tier 1 risk-based capital ratio | 18.3071% | 1,933 |
| Total risk-based capital ratio | 20.6843% | 1,629 |
| Memoranda: | ||
| Average total assets | $259,753,750 | 2,495 |
| Average earning assets | $240,054,250 | 2,460 |
| Average equity | $30,199,000 | 2,184 |
| Average total loans | $155,039,000 | 2,727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 6,145 |
| Cost of funding earning assets | 0.9392% | 6,427 |
| Net interest margin | 3.7609% | 4,086 |
| Noninterest income to average assets | 0.9998% | 1,380 |
| Noninterest expense to average assets | 3.7826% | 1,392 |
| Loan and lease loss provision to assets | 0.2562% | 4,371 |
| Net operating income to assets | 0.2926% | 5,210 |
| Return on assets (ROA) | 0.2926% | 5,361 |
| Pretax return on assets | 0.4362% | 5,105 |
| Return on Equity (ROE) | 2.5238% | 5,452 |
| Retained earnings to average equity (ytd only) | 0.6159% | 5,517 |
| Net charge-offs to loans | 0.7004% | 2,468 |
| Credit loss provision to net charge-offs | 59.7826% | 5,205 |
| Earnings coverage of net charge-offs (x) | 1.6159% | 4,285 |
| Efficiency ratio | 83.0703% | 2,033 |
| Assets per employee ($millions) | 2.8325% | 6,501 |
| Cash dividends to net income (ytd only)* | 75.5968% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,019 |
| Loan loss allowance to noncurrent loans | 45.4617% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.6214% | 2,757 |
| Noncurrent loans to loans | 3.2543% | 2,465 |
| Net loans and leases to total assets | 58.8775% | 5,269 |
| Net loans and leases to deposits | 68.9210% | 5,426 |
| Net loans and leases to core deposits | 71.8675% | 5,683 |
| Total domestic deposits to total assets | 85.4275% | 3,402 |
| Equity capital to assets | 11.7523% | 2,245 |
| Core capital (leverage) ratio | 10.5175% | 2,621 |
| Tier 1 risk-based capital ratio | 17.3319% | 2,157 |
| Total risk-based capital ratio | 19.7061% | 1,813 |
| Memoranda: | ||
| Average total assets | $257,655,330 | 2,531 |
| Average earning assets | $238,079,000 | 2,501 |
| Average equity | $29,876,000 | 2,197 |
| Average total loans | $157,634,670 | 2,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 6,100 |
| Cost of funding earning assets | 0.9589% | 6,544 |
| Net interest margin | 3.7847% | 3,855 |
| Noninterest income to average assets | 1.0164% | 1,246 |
| Noninterest expense to average assets | 3.7613% | 1,388 |
| Loan and lease loss provision to assets | 0.1561% | 4,971 |
| Net operating income to assets | 0.3888% | 4,885 |
| Return on assets (ROA) | 0.3888% | 5,026 |
| Pretax return on assets | 0.5933% | 4,630 |
| Return on Equity (ROE) | 3.3761% | 5,174 |
| Retained earnings to average equity (ytd only) | 0.5288% | 5,615 |
| Net charge-offs to loans | 0.6482% | 2,204 |
| Credit loss provision to net charge-offs | 38.9105% | 4,660 |
| Earnings coverage of net charge-offs (x) | 1.8677% | 3,610 |
| Efficiency ratio | 80.4777% | 2,494 |
| Assets per employee ($millions) | 2.8175% | 6,602 |
| Cash dividends to net income (ytd only)* | 84.3373% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,904 |
| Loan loss allowance to noncurrent loans | 40.1866% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 2.8178% | 2,579 |
| Noncurrent loans to loans | 3.7363% | 2,131 |
| Net loans and leases to total assets | 59.9550% | 5,128 |
| Net loans and leases to deposits | 69.6933% | 5,394 |
| Net loans and leases to core deposits | 73.0626% | 5,601 |
| Total domestic deposits to total assets | 86.0269% | 3,143 |
| Equity capital to assets | 11.5264% | 2,340 |
| Core capital (leverage) ratio | 10.5585% | 2,567 |
| Tier 1 risk-based capital ratio | 16.9390% | 2,284 |
| Total risk-based capital ratio | 19.3374% | 1,895 |
| Memoranda: | ||
| Average total assets | $256,189,500 | 2,593 |
| Average earning assets | $236,531,000 | 2,570 |
| Average equity | $29,501,500 | 2,243 |
| Average total loans | $158,586,500 | 2,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 5,481 |
| Cost of funding earning assets | 1.2070% | 6,635 |
| Net interest margin | 4.0289% | 2,750 |
| Noninterest income to average assets | 0.7523% | 2,665 |
| Noninterest expense to average assets | 3.8351% | 1,624 |
| Loan and lease loss provision to assets | 1.3075% | 1,763 |
| Net operating income to assets | -0.4287% | 6,108 |
| Return on assets (ROA) | -0.3878% | 6,054 |
| Pretax return on assets | -0.6026% | 6,095 |
| Return on Equity (ROE) | -3.2926% | 6,025 |
| Retained earnings to average equity (ytd only) | -4.0470% | 5,873 |
| Net charge-offs to loans | 1.7917% | 1,395 |
| Credit loss provision to net charge-offs | 109.0221% | 5,068 |
| Earnings coverage of net charge-offs (x) | 0.5344% | 5,579 |
| Efficiency ratio | 82.6996% | 2,517 |
| Assets per employee ($millions) | 2.7223% | 6,811 |
| Cash dividends to net income (ytd only)* | -22.9124% | 7,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,343 |
| Loan loss allowance to noncurrent loans | 54.1711% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.4063% | 2,892 |
| Noncurrent loans to loans | 2.9254% | 2,638 |
| Net loans and leases to total assets | 61.9620% | 4,996 |
| Net loans and leases to deposits | 71.8688% | 5,348 |
| Net loans and leases to core deposits | 80.1278% | 6,088 |
| Total domestic deposits to total assets | 86.2154% | 2,903 |
| Equity capital to assets | 11.5044% | 2,317 |
| Core capital (leverage) ratio | 10.5383% | 2,564 |
| Tier 1 risk-based capital ratio | 16.8290% | 2,195 |
| Total risk-based capital ratio | 18.9904% | 1,918 |
| Memoranda: | ||
| Average total assets | $253,239,200 | 2,577 |
| Average earning assets | $234,056,400 | 2,563 |
| Average equity | $29,824,200 | 2,239 |
| Average total loans | $169,504,400 | 2,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2891% | 5,491 |
| Cost of funding earning assets | 1.2504% | 6,725 |
| Net interest margin | 4.0387% | 2,641 |
| Noninterest income to average assets | 0.6570% | 3,310 |
| Noninterest expense to average assets | 3.8769% | 1,464 |
| Loan and lease loss provision to assets | 1.5325% | 1,240 |
| Net operating income to assets | -0.6598% | 6,574 |
| Return on assets (ROA) | -0.6044% | 6,530 |
| Pretax return on assets | -0.9329% | 6,633 |
| Return on Equity (ROE) | -5.1023% | 6,464 |
| Retained earnings to average equity (ytd only) | -5.9912% | 6,385 |
| Net charge-offs to loans | 1.7066% | 1,186 |
| Credit loss provision to net charge-offs | 132.1980% | 3,784 |
| Earnings coverage of net charge-offs (x) | 0.4437% | 5,585 |
| Efficiency ratio | 85.2536% | 2,153 |
| Assets per employee ($millions) | 2.6462% | 6,950 |
| Cash dividends to net income (ytd only)* | -17.4216% | 7,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 2,367 |
| Loan loss allowance to noncurrent loans | 42.7581% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 2,238 |
| Noncurrent loans to loans | 4.1509% | 1,751 |
| Net loans and leases to total assets | 65.1849% | 4,605 |
| Net loans and leases to deposits | 75.8260% | 5,079 |
| Net loans and leases to core deposits | 84.5086% | 6,003 |
| Total domestic deposits to total assets | 85.9665% | 2,716 |
| Equity capital to assets | 11.5048% | 2,577 |
| Core capital (leverage) ratio | 10.5937% | 2,720 |
| Tier 1 risk-based capital ratio | 16.1288% | 2,587 |
| Total risk-based capital ratio | 18.2305% | 2,229 |
| Memoranda: | ||
| Average total assets | $253,255,750 | 2,588 |
| Average earning assets | $234,161,000 | 2,574 |
| Average equity | $29,998,750 | 2,254 |
| Average total loans | $172,031,250 | 2,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 5,387 |
| Cost of funding earning assets | 1.2957% | 6,824 |
| Net interest margin | 4.0570% | 2,480 |
| Noninterest income to average assets | 0.9453% | 1,778 |
| Noninterest expense to average assets | 3.8129% | 1,637 |
| Loan and lease loss provision to assets | 0.2166% | 4,876 |
| Net operating income to assets | 0.4365% | 4,350 |
| Return on assets (ROA) | 0.5207% | 4,130 |
| Pretax return on assets | 0.7854% | 3,719 |
| Return on Equity (ROE) | 4.3547% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.3547% | 2,873 |
| Net charge-offs to loans | 0.3856% | 3,274 |
| Credit loss provision to net charge-offs | 82.0896% | 5,139 |
| Earnings coverage of net charge-offs (x) | 3.3134% | 3,487 |
| Efficiency ratio | 78.5042% | 3,273 |
| Assets per employee ($millions) | 2.7529% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,488 |
| Loan loss allowance to noncurrent loans | 30.8472% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 3.9642% | 1,509 |
| Noncurrent loans to loans | 4.1083% | 1,624 |
| Net loans and leases to total assets | 67.4284% | 4,268 |
| Net loans and leases to deposits | 79.7238% | 4,584 |
| Net loans and leases to core deposits | 88.7313% | 5,659 |
| Total domestic deposits to total assets | 84.5775% | 3,465 |
| Equity capital to assets | 12.0438% | 2,180 |
| Core capital (leverage) ratio | 11.1448% | 2,299 |
| Tier 1 risk-based capital ratio | 16.3376% | 2,506 |
| Total risk-based capital ratio | 18.2270% | 2,261 |
| Memoranda: | ||
| Average total assets | $253,877,330 | 2,590 |
| Average earning assets | $234,165,330 | 2,585 |
| Average equity | $30,357,670 | 2,241 |
| Average total loans | $173,765,000 | 2,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 5,500 |
| Cost of funding earning assets | 1.3245% | 6,948 |
| Net interest margin | 4.0608% | 2,425 |
| Noninterest income to average assets | 1.1079% | 1,209 |
| Noninterest expense to average assets | 3.6981% | 1,659 |
| Loan and lease loss provision to assets | 0.1574% | 4,918 |
| Net operating income to assets | 0.6373% | 3,853 |
| Return on assets (ROA) | 0.6373% | 4,035 |
| Pretax return on assets | 0.9914% | 3,385 |
| Return on Equity (ROE) | 5.3492% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.3492% | 2,933 |
| Net charge-offs to loans | 0.3101% | 2,868 |
| Credit loss provision to net charge-offs | 74.0741% | 4,282 |
| Earnings coverage of net charge-offs (x) | 5.4074% | 2,682 |
| Efficiency ratio | 73.5714% | 3,904 |
| Assets per employee ($millions) | 2.7295% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 4,240 |
| Loan loss allowance to noncurrent loans | 60.3758% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 2,288 |
| Noncurrent loans to loans | 2.1122% | 3,100 |
| Net loans and leases to total assets | 66.8916% | 4,367 |
| Net loans and leases to deposits | 79.2215% | 4,737 |
| Net loans and leases to core deposits | 88.5844% | 5,685 |
| Total domestic deposits to total assets | 84.4361% | 3,495 |
| Equity capital to assets | 11.8040% | 2,378 |
| Core capital (leverage) ratio | 11.1760% | 2,363 |
| Tier 1 risk-based capital ratio | 15.9197% | 2,718 |
| Total risk-based capital ratio | 17.7886% | 2,438 |
| Memoranda: | ||
| Average total assets | $254,182,500 | 2,598 |
| Average earning assets | $234,045,000 | 2,597 |
| Average equity | $30,285,000 | 2,247 |
| Average total loans | $174,164,500 | 2,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2290% | 4,363 |
| Cost of funding earning assets | 2.0269% | 6,325 |
| Net interest margin | 4.2021% | 2,303 |
| Noninterest income to average assets | 1.1744% | 1,115 |
| Noninterest expense to average assets | 3.7880% | 1,777 |
| Loan and lease loss provision to assets | 0.2758% | 4,186 |
| Net operating income to assets | 0.6035% | 4,286 |
| Return on assets (ROA) | 0.7883% | 3,326 |
| Pretax return on assets | 1.2356% | 2,527 |
| Return on Equity (ROE) | 6.9519% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.9519% | 1,166 |
| Net charge-offs to loans | 0.1161% | 5,101 |
| Credit loss provision to net charge-offs | 357.1429% | 1,248 |
| Earnings coverage of net charge-offs (x) | 15.8325% | 1,902 |
| Efficiency ratio | 73.0317% | 3,745 |
| Assets per employee ($millions) | 2.6786% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 3,850 |
| Loan loss allowance to noncurrent loans | 108.7397% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.7566% | 2,782 |
| Noncurrent loans to loans | 1.1869% | 4,135 |
| Net loans and leases to total assets | 68.4034% | 4,389 |
| Net loans and leases to deposits | 81.4810% | 4,798 |
| Net loans and leases to core deposits | 89.7524% | 5,823 |
| Total domestic deposits to total assets | 83.9501% | 3,347 |
| Equity capital to assets | 12.0275% | 2,274 |
| Core capital (leverage) ratio | 10.8599% | 2,701 |
| Tier 1 risk-based capital ratio | 15.5339% | 2,834 |
| Total risk-based capital ratio | 17.5268% | 2,496 |
| Memoranda: | ||
| Average total assets | $262,857,800 | 2,436 |
| Average earning assets | $239,975,200 | 2,456 |
| Average equity | $29,804,600 | 2,271 |
| Average total loans | $174,872,200 | 2,562 |