Home > The Merchants Bank and Trust Company > Performance and Condition Ratios
The Merchants Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.3118% | 2,574 |
| Cost of funding earning assets | 0.3132% | 4,751 |
| Net interest margin | 3.9986% | 1,886 |
| Noninterest income to average assets | 0.7506% | 2,096 |
| Noninterest expense to average assets | 3.1360% | 2,362 |
| Loan and lease loss provision to assets | 0.1318% | 1,901 |
| Net operating income to assets | 0.8825% | 3,006 |
| Return on assets (ROA) | 0.8825% | 3,107 |
| Pretax return on assets | 1.2774% | 2,469 |
| Return on Equity (ROE) | 8.1739% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.4957% | 2,756 |
| Net charge-offs to loans | 0.2765% | 1,420 |
| Credit loss provision to net charge-offs | 58.9147% | 2,951 |
| Earnings coverage of net charge-offs (x) | 6.2971% | 3,105 |
| Efficiency ratio | 68.9949% | 3,678 |
| Assets per employee ($millions) | 3.9854% | 3,929 |
| Cash dividends to net income (ytd only)* | 32.7653% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 5,288 |
| Loan loss allowance to noncurrent loans | 154.4389% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 4,333 |
| Noncurrent loans to loans | 0.6354% | 4,025 |
| Net loans and leases to total assets | 80.4947% | 662 |
| Net loans and leases to deposits | 101.8641% | 509 |
| Net loans and leases to core deposits | 104.7799% | 1,045 |
| Total domestic deposits to total assets | 79.0216% | 5,323 |
| Equity capital to assets | 11.1520% | 2,810 |
| Core capital (leverage) ratio | 11.0688% | 2,417 |
| Tier 1 risk-based capital ratio | 14.4146% | 3,930 |
| Total risk-based capital ratio | 15.4540% | 4,011 |
| Memoranda: | ||
| Average total assets | $230,562,000 | 2,710 |
| Average earning assets | $218,804,250 | 2,650 |
| Average equity | $24,891,750 | 2,682 |
| Average total loans | $186,584,750 | 2,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,555 |
| Cost of funding earning assets | 0.3156% | 4,819 |
| Net interest margin | 3.9933% | 1,824 |
| Noninterest income to average assets | 0.7458% | 2,067 |
| Noninterest expense to average assets | 3.2175% | 2,137 |
| Loan and lease loss provision to assets | 0.1103% | 2,182 |
| Net operating income to assets | 0.8387% | 3,134 |
| Return on assets (ROA) | 0.8387% | 3,226 |
| Pretax return on assets | 1.2076% | 2,639 |
| Return on Equity (ROE) | 7.8548% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.7892% | 3,768 |
| Net charge-offs to loans | 0.1386% | 2,282 |
| Credit loss provision to net charge-offs | 98.4496% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.7674% | 2,123 |
| Efficiency ratio | 70.9418% | 3,508 |
| Assets per employee ($millions) | 4.0371% | 3,760 |
| Cash dividends to net income (ytd only)* | 51.7598% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,100 |
| Loan loss allowance to noncurrent loans | 122.4602% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 3,888 |
| Noncurrent loans to loans | 0.8601% | 3,550 |
| Net loans and leases to total assets | 80.2814% | 655 |
| Net loans and leases to deposits | 101.3910% | 486 |
| Net loans and leases to core deposits | 104.2485% | 1,000 |
| Total domestic deposits to total assets | 79.1799% | 5,420 |
| Equity capital to assets | 10.7135% | 3,186 |
| Core capital (leverage) ratio | 10.7348% | 2,682 |
| Tier 1 risk-based capital ratio | 14.0385% | 4,239 |
| Total risk-based capital ratio | 15.1615% | 4,260 |
| Memoranda: | ||
| Average total assets | $230,365,330 | 2,724 |
| Average earning assets | $218,614,670 | 2,655 |
| Average equity | $24,596,330 | 2,704 |
| Average total loans | $186,143,330 | 2,171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,572 |
| Cost of funding earning assets | 0.3137% | 4,934 |
| Net interest margin | 3.9729% | 1,845 |
| Noninterest income to average assets | 0.6968% | 2,187 |
| Noninterest expense to average assets | 3.2109% | 2,194 |
| Loan and lease loss provision to assets | 0.0455% | 3,190 |
| Net operating income to assets | 0.8369% | 2,969 |
| Return on assets (ROA) | 0.8369% | 3,038 |
| Pretax return on assets | 1.2098% | 2,448 |
| Return on Equity (ROE) | 7.8517% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.8517% | 1,656 |
| Net charge-offs to loans | 0.0543% | 2,620 |
| Credit loss provision to net charge-offs | 104.0000% | 1,604 |
| Earnings coverage of net charge-offs (x) | 28.6800% | 1,080 |
| Efficiency ratio | 71.8934% | 3,509 |
| Assets per employee ($millions) | 3.5655% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 5,273 |
| Loan loss allowance to noncurrent loans | 94.6176% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 3,440 |
| Noncurrent loans to loans | 1.1252% | 3,173 |
| Net loans and leases to total assets | 80.3547% | 510 |
| Net loans and leases to deposits | 100.1721% | 427 |
| Net loans and leases to core deposits | 102.9778% | 926 |
| Total domestic deposits to total assets | 80.2166% | 5,447 |
| Equity capital to assets | 10.6979% | 3,044 |
| Core capital (leverage) ratio | 11.0969% | 2,302 |
| Tier 1 risk-based capital ratio | 14.1205% | 4,247 |
| Total risk-based capital ratio | 15.2513% | 4,274 |
| Memoranda: | ||
| Average total assets | $228,471,000 | 2,754 |
| Average earning assets | $216,766,500 | 2,675 |
| Average equity | $24,351,500 | 2,713 |
| Average total loans | $184,223,500 | 2,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,973 |
| Cost of funding earning assets | 0.3460% | 5,187 |
| Net interest margin | 3.9512% | 2,100 |
| Noninterest income to average assets | 0.9305% | 1,582 |
| Noninterest expense to average assets | 3.3105% | 2,114 |
| Loan and lease loss provision to assets | 0.2288% | 1,588 |
| Net operating income to assets | 0.8006% | 3,290 |
| Return on assets (ROA) | 0.8168% | 3,307 |
| Pretax return on assets | 1.1643% | 2,715 |
| Return on Equity (ROE) | 7.6131% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.7653% | 1,550 |
| Net charge-offs to loans | 0.5961% | 1,104 |
| Credit loss provision to net charge-offs | 47.7683% | 3,868 |
| Earnings coverage of net charge-offs (x) | 2.8604% | 4,042 |
| Efficiency ratio | 70.7317% | 3,713 |
| Assets per employee ($millions) | 3.3610% | 5,175 |
| Cash dividends to net income (ytd only)* | 11.1359% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,093 |
| Loan loss allowance to noncurrent loans | 86.3734% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 3,361 |
| Noncurrent loans to loans | 1.2868% | 2,986 |
| Net loans and leases to total assets | 79.1404% | 693 |
| Net loans and leases to deposits | 94.8441% | 814 |
| Net loans and leases to core deposits | 97.3363% | 1,360 |
| Total domestic deposits to total assets | 83.4426% | 4,382 |
| Equity capital to assets | 10.6178% | 3,023 |
| Core capital (leverage) ratio | 11.1082% | 2,284 |
| Tier 1 risk-based capital ratio | 14.3528% | 4,045 |
| Total risk-based capital ratio | 15.5240% | 4,044 |
| Memoranda: | ||
| Average total assets | $219,874,400 | 2,809 |
| Average earning assets | $208,673,200 | 2,737 |
| Average equity | $23,590,800 | 2,761 |
| Average total loans | $176,640,600 | 2,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 3,046 |
| Cost of funding earning assets | 0.3512% | 5,279 |
| Net interest margin | 3.9369% | 2,155 |
| Noninterest income to average assets | 0.9773% | 1,513 |
| Noninterest expense to average assets | 3.3072% | 2,061 |
| Loan and lease loss provision to assets | 0.2934% | 1,168 |
| Net operating income to assets | 0.7872% | 3,413 |
| Return on assets (ROA) | 0.7949% | 3,504 |
| Pretax return on assets | 1.1280% | 2,989 |
| Return on Equity (ROE) | 7.3893% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.2551% | 2,261 |
| Net charge-offs to loans | 0.7169% | 831 |
| Credit loss provision to net charge-offs | 50.8995% | 3,477 |
| Earnings coverage of net charge-offs (x) | 2.4466% | 4,015 |
| Efficiency ratio | 70.1022% | 3,746 |
| Assets per employee ($millions) | 3.1752% | 5,549 |
| Cash dividends to net income (ytd only)* | 15.3492% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 4,909 |
| Loan loss allowance to noncurrent loans | 41.9394% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 1,734 |
| Noncurrent loans to loans | 2.8388% | 1,458 |
| Net loans and leases to total assets | 79.1326% | 636 |
| Net loans and leases to deposits | 94.5130% | 794 |
| Net loans and leases to core deposits | 97.0586% | 1,308 |
| Total domestic deposits to total assets | 83.7266% | 4,305 |
| Equity capital to assets | 10.7432% | 3,017 |
| Core capital (leverage) ratio | 11.2554% | 2,242 |
| Tier 1 risk-based capital ratio | 14.4516% | 4,103 |
| Total risk-based capital ratio | 15.7018% | 4,067 |
| Memoranda: | ||
| Average total assets | $218,546,250 | 2,846 |
| Average earning assets | $207,637,250 | 2,767 |
| Average equity | $23,511,000 | 2,802 |
| Average total loans | $175,746,500 | 2,253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,838 |
| Cost of funding earning assets | 0.3575% | 5,337 |
| Net interest margin | 3.9701% | 1,963 |
| Noninterest income to average assets | 0.9919% | 1,551 |
| Noninterest expense to average assets | 3.3274% | 1,996 |
| Loan and lease loss provision to assets | 0.3929% | 805 |
| Net operating income to assets | 0.7402% | 3,617 |
| Return on assets (ROA) | 0.7519% | 3,712 |
| Pretax return on assets | 1.0615% | 3,254 |
| Return on Equity (ROE) | 6.9865% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.2846% | 2,872 |
| Net charge-offs to loans | 1.0089% | 602 |
| Credit loss provision to net charge-offs | 48.3653% | 3,247 |
| Earnings coverage of net charge-offs (x) | 1.7700% | 3,939 |
| Efficiency ratio | 69.8251% | 3,859 |
| Assets per employee ($millions) | 3.1576% | 5,572 |
| Cash dividends to net income (ytd only)* | 24.3605% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 4,792 |
| Loan loss allowance to noncurrent loans | 37.5515% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.6514% | 1,573 |
| Noncurrent loans to loans | 3.2973% | 1,324 |
| Net loans and leases to total assets | 77.8255% | 771 |
| Net loans and leases to deposits | 89.0162% | 1,227 |
| Net loans and leases to core deposits | 92.5322% | 1,651 |
| Total domestic deposits to total assets | 87.4285% | 2,575 |
| Equity capital to assets | 10.7845% | 2,961 |
| Core capital (leverage) ratio | 10.9770% | 2,378 |
| Tier 1 risk-based capital ratio | 14.7350% | 3,954 |
| Total risk-based capital ratio | 15.9857% | 3,921 |
| Memoranda: | ||
| Average total assets | $218,365,670 | 2,864 |
| Average earning assets | $207,551,670 | 2,778 |
| Average equity | $23,502,330 | 2,820 |
| Average total loans | $175,842,330 | 2,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,657 |
| Cost of funding earning assets | 0.3704% | 5,367 |
| Net interest margin | 3.9900% | 1,830 |
| Noninterest income to average assets | 0.9991% | 1,463 |
| Noninterest expense to average assets | 3.2372% | 2,241 |
| Loan and lease loss provision to assets | 0.5050% | 535 |
| Net operating income to assets | 0.7434% | 3,460 |
| Return on assets (ROA) | 0.7666% | 3,493 |
| Pretax return on assets | 1.0863% | 3,013 |
| Return on Equity (ROE) | 7.1297% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.1297% | 2,098 |
| Net charge-offs to loans | 0.5983% | 1,019 |
| Credit loss provision to net charge-offs | 103.7313% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.2015% | 2,819 |
| Efficiency ratio | 67.5000% | 4,411 |
| Assets per employee ($millions) | 3.1710% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,975 |
| Loan loss allowance to noncurrent loans | 50.3339% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.4143% | 1,925 |
| Noncurrent loans to loans | 2.8990% | 1,734 |
| Net loans and leases to total assets | 80.2676% | 403 |
| Net loans and leases to deposits | 92.0281% | 800 |
| Net loans and leases to core deposits | 95.6619% | 1,219 |
| Total domestic deposits to total assets | 87.2207% | 2,814 |
| Equity capital to assets | 11.0453% | 2,910 |
| Core capital (leverage) ratio | 10.7233% | 2,527 |
| Tier 1 risk-based capital ratio | 14.5285% | 4,152 |
| Total risk-based capital ratio | 15.7829% | 4,116 |
| Memoranda: | ||
| Average total assets | $220,191,000 | 2,867 |
| Average earning assets | $209,522,000 | 2,779 |
| Average equity | $23,675,500 | 2,838 |
| Average total loans | $179,164,500 | 2,223 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 3,437 |
| Cost of funding earning assets | 0.5327% | 4,972 |
| Net interest margin | 3.9578% | 2,575 |
| Noninterest income to average assets | 0.8924% | 1,889 |
| Noninterest expense to average assets | 3.2042% | 2,595 |
| Loan and lease loss provision to assets | 0.6222% | 870 |
| Net operating income to assets | 0.6063% | 4,208 |
| Return on assets (ROA) | 0.7187% | 3,902 |
| Pretax return on assets | 1.0037% | 3,539 |
| Return on Equity (ROE) | 6.8267% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.3880% | 1,883 |
| Net charge-offs to loans | 0.7397% | 1,589 |
| Credit loss provision to net charge-offs | 106.5665% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.5174% | 4,161 |
| Efficiency ratio | 68.5542% | 4,046 |
| Assets per employee ($millions) | 3.3052% | 5,410 |
| Cash dividends to net income (ytd only)* | 6.4267% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 4,184 |
| Loan loss allowance to noncurrent loans | 53.9860% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.1121% | 2,320 |
| Noncurrent loans to loans | 2.5886% | 2,045 |
| Net loans and leases to total assets | 80.1470% | 460 |
| Net loans and leases to deposits | 93.4881% | 783 |
| Net loans and leases to core deposits | 96.9311% | 1,232 |
| Total domestic deposits to total assets | 85.7296% | 3,500 |
| Equity capital to assets | 10.4711% | 3,560 |
| Core capital (leverage) ratio | 10.5136% | 2,748 |
| Tier 1 risk-based capital ratio | 14.1433% | 4,281 |
| Total risk-based capital ratio | 15.3974% | 4,235 |
| Memoranda: | ||
| Average total assets | $216,494,200 | 2,871 |
| Average earning assets | $206,857,800 | 2,783 |
| Average equity | $22,792,800 | 2,874 |
| Average total loans | $170,889,400 | 2,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 3,638 |
| Cost of funding earning assets | 0.5483% | 5,101 |
| Net interest margin | 3.9518% | 2,701 |
| Noninterest income to average assets | 0.8531% | 2,012 |
| Noninterest expense to average assets | 3.1829% | 2,621 |
| Loan and lease loss provision to assets | 0.5752% | 998 |
| Net operating income to assets | 0.6133% | 4,333 |
| Return on assets (ROA) | 0.7604% | 3,896 |
| Pretax return on assets | 1.0875% | 3,397 |
| Return on Equity (ROE) | 7.2128% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,316 |
| Net charge-offs to loans | 0.4303% | 2,377 |
| Credit loss provision to net charge-offs | 170.6642% | 1,627 |
| Earnings coverage of net charge-offs (x) | 4.3100% | 3,338 |
| Efficiency ratio | 68.6653% | 3,936 |
| Assets per employee ($millions) | 3.3126% | 5,417 |
| Cash dividends to net income (ytd only)* | 8.1766% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,332 |
| Loan loss allowance to noncurrent loans | 60.8835% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 2,452 |
| Noncurrent loans to loans | 2.7086% | 2,089 |
| Net loans and leases to total assets | 79.0224% | 604 |
| Net loans and leases to deposits | 92.6905% | 903 |
| Net loans and leases to core deposits | 96.4389% | 1,373 |
| Total domestic deposits to total assets | 85.2540% | 3,637 |
| Equity capital to assets | 10.7877% | 3,517 |
| Core capital (leverage) ratio | 10.6120% | 2,787 |
| Tier 1 risk-based capital ratio | 14.8410% | 3,955 |
| Total risk-based capital ratio | 16.0989% | 3,906 |
| Memoranda: | ||
| Average total assets | $214,429,750 | 2,921 |
| Average earning assets | $205,232,250 | 2,817 |
| Average equity | $22,607,500 | 2,920 |
| Average total loans | $167,940,500 | 2,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 3,860 |
| Cost of funding earning assets | 0.5603% | 5,228 |
| Net interest margin | 3.9170% | 2,838 |
| Noninterest income to average assets | 0.8201% | 2,095 |
| Noninterest expense to average assets | 3.1616% | 2,717 |
| Loan and lease loss provision to assets | 0.4875% | 1,301 |
| Net operating income to assets | 0.6501% | 4,112 |
| Return on assets (ROA) | 0.7089% | 4,087 |
| Pretax return on assets | 1.0097% | 3,665 |
| Return on Equity (ROE) | 6.7766% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.8838% | 2,770 |
| Net charge-offs to loans | 0.6460% | 1,702 |
| Credit loss provision to net charge-offs | 97.2067% | 2,852 |
| Earnings coverage of net charge-offs (x) | 2.8175% | 3,619 |
| Efficiency ratio | 69.1098% | 3,914 |
| Assets per employee ($millions) | 3.6550% | 4,627 |
| Cash dividends to net income (ytd only)* | 13.1752% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,469 |
| Loan loss allowance to noncurrent loans | 50.8387% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.2421% | 2,497 |
| Noncurrent loans to loans | 2.7530% | 2,183 |
| Net loans and leases to total assets | 78.8669% | 630 |
| Net loans and leases to deposits | 95.5854% | 655 |
| Net loans and leases to core deposits | 99.5075% | 1,132 |
| Total domestic deposits to total assets | 82.5094% | 4,950 |
| Equity capital to assets | 10.3880% | 3,830 |
| Core capital (leverage) ratio | 10.4879% | 2,816 |
| Tier 1 risk-based capital ratio | 14.3293% | 4,224 |
| Total risk-based capital ratio | 15.5835% | 4,181 |
| Memoranda: | ||
| Average total assets | $214,133,000 | 2,933 |
| Average earning assets | $205,261,670 | 2,819 |
| Average equity | $22,400,670 | 2,935 |
| Average total loans | $166,252,670 | 2,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 3,744 |
| Cost of funding earning assets | 0.5921% | 5,192 |
| Net interest margin | 3.9515% | 2,710 |
| Noninterest income to average assets | 0.8225% | 2,054 |
| Noninterest expense to average assets | 3.2446% | 2,458 |
| Loan and lease loss provision to assets | 0.2874% | 2,160 |
| Net operating income to assets | 0.7385% | 3,692 |
| Return on assets (ROA) | 0.8376% | 3,448 |
| Pretax return on assets | 1.2196% | 2,840 |
| Return on Equity (ROE) | 7.9782% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.9782% | 1,989 |
| Net charge-offs to loans | 0.4033% | 2,092 |
| Credit loss provision to net charge-offs | 93.2515% | 2,489 |
| Earnings coverage of net charge-offs (x) | 4.4233% | 2,576 |
| Efficiency ratio | 70.4144% | 3,739 |
| Assets per employee ($millions) | 3.5467% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 4,065 |
| Loan loss allowance to noncurrent loans | 46.1524% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.5512% | 2,314 |
| Noncurrent loans to loans | 3.2944% | 1,936 |
| Net loans and leases to total assets | 74.8446% | 942 |
| Net loans and leases to deposits | 86.5923% | 1,341 |
| Net loans and leases to core deposits | 90.3219% | 1,819 |
| Total domestic deposits to total assets | 86.4333% | 3,284 |
| Equity capital to assets | 10.5281% | 3,458 |
| Core capital (leverage) ratio | 10.5096% | 2,739 |
| Tier 1 risk-based capital ratio | 15.2786% | 3,567 |
| Total risk-based capital ratio | 16.5343% | 3,523 |
| Memoranda: | ||
| Average total assets | $211,549,000 | 2,972 |
| Average earning assets | $202,655,000 | 2,865 |
| Average equity | $22,210,500 | 2,958 |
| Average total loans | $161,673,500 | 2,459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 3,748 |
| Cost of funding earning assets | 0.7411% | 5,273 |
| Net interest margin | 4.0723% | 2,559 |
| Noninterest income to average assets | 0.7764% | 2,189 |
| Noninterest expense to average assets | 3.2593% | 2,659 |
| Loan and lease loss provision to assets | 0.4202% | 2,494 |
| Net operating income to assets | 0.6687% | 3,636 |
| Return on assets (ROA) | 0.6790% | 3,780 |
| Pretax return on assets | 1.0048% | 3,231 |
| Return on Equity (ROE) | 6.7677% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.5845% | 2,248 |
| Net charge-offs to loans | 0.4867% | 3,048 |
| Credit loss provision to net charge-offs | 108.8561% | 3,092 |
| Earnings coverage of net charge-offs (x) | 3.6519% | 3,438 |
| Efficiency ratio | 69.8058% | 4,005 |
| Assets per employee ($millions) | 3.6258% | 4,717 |
| Cash dividends to net income (ytd only)* | 17.4825% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,893 |
| Loan loss allowance to noncurrent loans | 38.2116% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.2107% | 1,859 |
| Noncurrent loans to loans | 3.9996% | 1,558 |
| Net loans and leases to total assets | 75.6777% | 995 |
| Net loans and leases to deposits | 87.7559% | 1,416 |
| Net loans and leases to core deposits | 91.5896% | 1,930 |
| Total domestic deposits to total assets | 86.2366% | 3,175 |
| Equity capital to assets | 10.4695% | 3,567 |
| Core capital (leverage) ratio | 10.3962% | 2,846 |
| Tier 1 risk-based capital ratio | 15.1327% | 3,557 |
| Total risk-based capital ratio | 16.3886% | 3,519 |
| Memoranda: | ||
| Average total assets | $210,595,000 | 2,938 |
| Average earning assets | $201,312,000 | 2,837 |
| Average equity | $21,129,800 | 2,994 |
| Average total loans | $167,026,200 | 2,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 3,591 |
| Cost of funding earning assets | 0.7728% | 5,316 |
| Net interest margin | 4.1205% | 2,389 |
| Noninterest income to average assets | 0.7797% | 2,143 |
| Noninterest expense to average assets | 3.3176% | 2,438 |
| Loan and lease loss provision to assets | 0.3177% | 2,993 |
| Net operating income to assets | 0.7225% | 3,495 |
| Return on assets (ROA) | 0.7360% | 3,619 |
| Pretax return on assets | 1.1025% | 2,998 |
| Return on Equity (ROE) | 7.4164% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.8222% | 2,662 |
| Net charge-offs to loans | 0.3880% | 3,175 |
| Credit loss provision to net charge-offs | 102.4490% | 3,255 |
| Earnings coverage of net charge-offs (x) | 4.5143% | 3,043 |
| Efficiency ratio | 70.3247% | 3,904 |
| Assets per employee ($millions) | 3.7384% | 4,439 |
| Cash dividends to net income (ytd only)* | 21.4964% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 4,172 |
| Loan loss allowance to noncurrent loans | 38.6156% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.1856% | 2,006 |
| Noncurrent loans to loans | 3.8495% | 1,739 |
| Net loans and leases to total assets | 77.6779% | 746 |
| Net loans and leases to deposits | 90.2722% | 1,181 |
| Net loans and leases to core deposits | 94.3518% | 1,761 |
| Total domestic deposits to total assets | 86.0485% | 3,196 |
| Equity capital to assets | 10.5699% | 3,617 |
| Core capital (leverage) ratio | 10.2956% | 3,089 |
| Tier 1 risk-based capital ratio | 14.7950% | 3,779 |
| Total risk-based capital ratio | 16.0501% | 3,750 |
| Memoranda: | ||
| Average total assets | $210,669,500 | 2,949 |
| Average earning assets | $201,328,750 | 2,839 |
| Average equity | $20,908,000 | 3,022 |
| Average total loans | $168,378,250 | 2,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 3,464 |
| Cost of funding earning assets | 0.7956% | 5,400 |
| Net interest margin | 4.1399% | 2,266 |
| Noninterest income to average assets | 0.7195% | 2,441 |
| Noninterest expense to average assets | 3.3378% | 2,439 |
| Loan and lease loss provision to assets | 0.3306% | 2,800 |
| Net operating income to assets | 0.6682% | 3,700 |
| Return on assets (ROA) | 0.6527% | 3,909 |
| Pretax return on assets | 0.9823% | 3,300 |
| Return on Equity (ROE) | 6.7174% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.2941% | 3,464 |
| Net charge-offs to loans | 0.1736% | 4,129 |
| Credit loss provision to net charge-offs | 237.1622% | 1,272 |
| Earnings coverage of net charge-offs (x) | 9.5878% | 1,905 |
| Efficiency ratio | 71.4084% | 3,851 |
| Assets per employee ($millions) | 3.6673% | 4,523 |
| Cash dividends to net income (ytd only)* | 36.0750% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,769 |
| Loan loss allowance to noncurrent loans | 41.6293% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 3.2055% | 2,092 |
| Noncurrent loans to loans | 3.8003% | 1,840 |
| Net loans and leases to total assets | 78.7901% | 672 |
| Net loans and leases to deposits | 90.9090% | 1,169 |
| Net loans and leases to core deposits | 93.5885% | 1,948 |
| Total domestic deposits to total assets | 86.6692% | 2,947 |
| Equity capital to assets | 10.2651% | 3,800 |
| Core capital (leverage) ratio | 9.8560% | 3,445 |
| Tier 1 risk-based capital ratio | 14.2833% | 3,951 |
| Total risk-based capital ratio | 15.5396% | 3,920 |
| Memoranda: | ||
| Average total assets | $212,355,330 | 2,944 |
| Average earning assets | $202,854,670 | 2,836 |
| Average equity | $20,633,000 | 3,045 |
| Average total loans | $170,462,670 | 2,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,586 |
| Cost of funding earning assets | 0.8395% | 5,335 |
| Net interest margin | 4.0620% | 2,422 |
| Noninterest income to average assets | 0.7060% | 2,544 |
| Noninterest expense to average assets | 3.2504% | 2,703 |
| Loan and lease loss provision to assets | 0.4392% | 2,011 |
| Net operating income to assets | 0.5922% | 4,070 |
| Return on assets (ROA) | 0.5726% | 4,241 |
| Pretax return on assets | 0.8691% | 3,628 |
| Return on Equity (ROE) | 6.0562% | 3,875 |
| Retained earnings to average equity (ytd only) | 1.1564% | 5,361 |
| Net charge-offs to loans | 0.6894% | 1,835 |
| Credit loss provision to net charge-offs | 79.2642% | 3,176 |
| Earnings coverage of net charge-offs (x) | 2.4147% | 3,110 |
| Efficiency ratio | 70.8401% | 4,092 |
| Assets per employee ($millions) | 3.7925% | 4,315 |
| Cash dividends to net income (ytd only)* | 80.9061% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,727 |
| Loan loss allowance to noncurrent loans | 32.9944% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 3.4851% | 1,958 |
| Noncurrent loans to loans | 4.2076% | 1,696 |
| Net loans and leases to total assets | 76.7568% | 913 |
| Net loans and leases to deposits | 88.6870% | 1,389 |
| Net loans and leases to core deposits | 91.1553% | 2,220 |
| Total domestic deposits to total assets | 86.5479% | 3,206 |
| Equity capital to assets | 9.4669% | 4,483 |
| Core capital (leverage) ratio | 9.3197% | 4,096 |
| Tier 1 risk-based capital ratio | 13.6045% | 4,356 |
| Total risk-based capital ratio | 14.8584% | 4,323 |
| Memoranda: | ||
| Average total assets | $215,850,000 | 2,925 |
| Average earning assets | $206,302,500 | 2,826 |
| Average equity | $20,409,000 | 3,063 |
| Average total loans | $173,489,500 | 2,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 3,500 |
| Cost of funding earning assets | 1.2102% | 4,497 |
| Net interest margin | 4.0121% | 2,968 |
| Noninterest income to average assets | 0.5735% | 3,641 |
| Noninterest expense to average assets | 3.2944% | 2,756 |
| Loan and lease loss provision to assets | 0.2535% | 4,766 |
| Net operating income to assets | 0.5528% | 3,878 |
| Return on assets (ROA) | 0.5637% | 3,988 |
| Pretax return on assets | 0.8480% | 3,473 |
| Return on Equity (ROE) | 6.3518% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.3518% | 1,638 |
| Net charge-offs to loans | 0.6755% | 2,984 |
| Credit loss provision to net charge-offs | 47.0588% | 6,306 |
| Earnings coverage of net charge-offs (x) | 2.0141% | 4,225 |
| Efficiency ratio | 75.2242% | 3,158 |
| Assets per employee ($millions) | 3.5332% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,798 |
| Loan loss allowance to noncurrent loans | 38.1847% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 3.1259% | 2,262 |
| Noncurrent loans to loans | 3.5140% | 2,149 |
| Net loans and leases to total assets | 81.8077% | 465 |
| Net loans and leases to deposits | 94.9595% | 962 |
| Net loans and leases to core deposits | 98.6140% | 1,740 |
| Total domestic deposits to total assets | 86.1501% | 3,277 |
| Equity capital to assets | 9.4435% | 4,478 |
| Core capital (leverage) ratio | 9.3724% | 3,895 |
| Tier 1 risk-based capital ratio | 12.8875% | 4,697 |
| Total risk-based capital ratio | 14.1410% | 4,663 |
| Memoranda: | ||
| Average total assets | $224,044,200 | 2,822 |
| Average earning assets | $212,533,400 | 2,721 |
| Average equity | $19,884,200 | 3,161 |
| Average total loans | $178,673,200 | 2,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,571 |
| Cost of funding earning assets | 1.2837% | 4,337 |
| Net interest margin | 3.9675% | 3,247 |
| Noninterest income to average assets | 0.5683% | 3,665 |
| Noninterest expense to average assets | 3.2594% | 2,712 |
| Loan and lease loss provision to assets | 0.2152% | 4,914 |
| Net operating income to assets | 0.5537% | 4,078 |
| Return on assets (ROA) | 0.5683% | 4,180 |
| Pretax return on assets | 0.8731% | 3,653 |
| Return on Equity (ROE) | 6.5023% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.5023% | 2,090 |
| Net charge-offs to loans | 0.8022% | 2,442 |
| Credit loss provision to net charge-offs | 33.9535% | 6,108 |
| Earnings coverage of net charge-offs (x) | 1.6819% | 4,442 |
| Efficiency ratio | 75.3578% | 3,064 |
| Assets per employee ($millions) | 3.6033% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,838 |
| Loan loss allowance to noncurrent loans | 43.6585% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.1215% | 2,311 |
| Noncurrent loans to loans | 3.0314% | 2,630 |
| Net loans and leases to total assets | 78.9349% | 890 |
| Net loans and leases to deposits | 92.6761% | 1,363 |
| Net loans and leases to core deposits | 96.1895% | 2,236 |
| Total domestic deposits to total assets | 85.1729% | 3,532 |
| Equity capital to assets | 9.2616% | 5,206 |
| Core capital (leverage) ratio | 9.0392% | 4,623 |
| Tier 1 risk-based capital ratio | 12.6834% | 4,829 |
| Total risk-based capital ratio | 13.9362% | 4,807 |
| Memoranda: | ||
| Average total assets | $226,174,000 | 2,837 |
| Average earning assets | $214,168,500 | 2,736 |
| Average equity | $19,767,000 | 3,222 |
| Average total loans | $178,663,000 | 2,407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 3,602 |
| Cost of funding earning assets | 1.3381% | 4,270 |
| Net interest margin | 3.9330% | 3,310 |
| Noninterest income to average assets | 0.3005% | 5,750 |
| Noninterest expense to average assets | 3.2081% | 2,873 |
| Loan and lease loss provision to assets | 0.1700% | 5,174 |
| Net operating income to assets | 0.4222% | 4,648 |
| Return on assets (ROA) | 0.4415% | 4,733 |
| Pretax return on assets | 0.6754% | 4,327 |
| Return on Equity (ROE) | 5.1507% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.1507% | 2,818 |
| Net charge-offs to loans | 1.1313% | 1,673 |
| Credit loss provision to net charge-offs | 19.0945% | 5,863 |
| Earnings coverage of net charge-offs (x) | 0.9163% | 4,856 |
| Efficiency ratio | 79.7300% | 2,475 |
| Assets per employee ($millions) | 3.6315% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,241 |
| Loan loss allowance to noncurrent loans | 58.5205% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.4393% | 2,950 |
| Noncurrent loans to loans | 2.1181% | 3,569 |
| Net loans and leases to total assets | 78.3837% | 1,046 |
| Net loans and leases to deposits | 90.1955% | 1,822 |
| Net loans and leases to core deposits | 93.7522% | 2,756 |
| Total domestic deposits to total assets | 86.9043% | 2,582 |
| Equity capital to assets | 8.8403% | 5,686 |
| Core capital (leverage) ratio | 8.5478% | 5,331 |
| Tier 1 risk-based capital ratio | 11.9079% | 5,394 |
| Total risk-based capital ratio | 13.1592% | 5,367 |
| Memoranda: | ||
| Average total assets | $228,298,670 | 2,837 |
| Average earning assets | $216,122,330 | 2,731 |
| Average equity | $19,570,330 | 3,235 |
| Average total loans | $179,608,670 | 2,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 3,839 |
| Cost of funding earning assets | 1.3928% | 4,228 |
| Net interest margin | 3.8454% | 3,592 |
| Noninterest income to average assets | 0.5029% | 4,028 |
| Noninterest expense to average assets | 3.1043% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6699% | 3,571 |
| Return on assets (ROA) | 0.6699% | 3,685 |
| Pretax return on assets | 1.0354% | 2,955 |
| Return on Equity (ROE) | 7.9367% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.9367% | 1,732 |
| Net charge-offs to loans | 0.5354% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.4689% | 3,309 |
| Efficiency ratio | 74.9895% | 3,408 |
| Assets per employee ($millions) | 3.7989% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,628 |
| Loan loss allowance to noncurrent loans | 176.8501% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5675% | 4,151 |
| Noncurrent loans to loans | 0.8809% | 5,556 |
| Net loans and leases to total assets | 77.5139% | 1,244 |
| Net loans and leases to deposits | 88.1924% | 2,190 |
| Net loans and leases to core deposits | 91.9529% | 3,112 |
| Total domestic deposits to total assets | 87.8918% | 2,122 |
| Equity capital to assets | 8.6134% | 5,854 |
| Core capital (leverage) ratio | 8.5454% | 5,300 |
| Tier 1 risk-based capital ratio | 11.8106% | 5,384 |
| Total risk-based capital ratio | 13.0659% | 5,319 |
| Memoranda: | ||
| Average total assets | $229,873,000 | 2,880 |
| Average earning assets | $217,400,000 | 2,776 |
| Average equity | $19,403,500 | 3,278 |
| Average total loans | $180,065,000 | 2,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 3,487 |
| Cost of funding earning assets | 1.8570% | 3,697 |
| Net interest margin | 3.7654% | 3,851 |
| Noninterest income to average assets | 0.7929% | 2,437 |
| Noninterest expense to average assets | 3.4263% | 2,592 |
| Loan and lease loss provision to assets | 1.1540% | 1,983 |
| Net operating income to assets | -0.1163% | 5,701 |
| Return on assets (ROA) | -0.1157% | 5,706 |
| Pretax return on assets | -0.1889% | 5,690 |
| Return on Equity (ROE) | -1.3405% | 5,745 |
| Retained earnings to average equity (ytd only) | -1.3405% | 5,357 |
| Net charge-offs to loans | 1.0349% | 2,346 |
| Credit loss provision to net charge-offs | 130.1148% | 3,925 |
| Earnings coverage of net charge-offs (x) | 1.0872% | 5,023 |
| Efficiency ratio | 78.0390% | 3,189 |
| Assets per employee ($millions) | 3.7389% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 2,956 |
| Loan loss allowance to noncurrent loans | 284.3633% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 4,481 |
| Noncurrent loans to loans | 0.5912% | 6,057 |
| Net loans and leases to total assets | 76.6209% | 1,667 |
| Net loans and leases to deposits | 86.9209% | 2,749 |
| Net loans and leases to core deposits | 102.0389% | 3,799 |
| Total domestic deposits to total assets | 88.1502% | 1,901 |
| Equity capital to assets | 8.2714% | 6,238 |
| Core capital (leverage) ratio | 8.2951% | 5,630 |
| Tier 1 risk-based capital ratio | 11.5948% | 5,300 |
| Total risk-based capital ratio | 12.8521% | 5,248 |
| Memoranda: | ||
| Average total assets | $216,033,600 | 3,005 |
| Average earning assets | $206,408,400 | 2,882 |
| Average equity | $18,650,400 | 3,400 |
| Average total loans | $185,131,400 | 2,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 3,381 |
| Cost of funding earning assets | 1.9144% | 3,798 |
| Net interest margin | 3.7777% | 3,751 |
| Noninterest income to average assets | 0.9744% | 1,689 |
| Noninterest expense to average assets | 3.4073% | 2,555 |
| Loan and lease loss provision to assets | 0.6312% | 2,867 |
| Net operating income to assets | 0.3709% | 4,517 |
| Return on assets (ROA) | 0.3709% | 4,621 |
| Pretax return on assets | 0.5570% | 4,341 |
| Return on Equity (ROE) | 4.2477% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.2477% | 2,897 |
| Net charge-offs to loans | 0.9235% | 2,122 |
| Credit loss provision to net charge-offs | 77.8295% | 5,814 |
| Earnings coverage of net charge-offs (x) | 1.4651% | 4,690 |
| Efficiency ratio | 74.1450% | 3,841 |
| Assets per employee ($millions) | 3.6455% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,287 |
| Loan loss allowance to noncurrent loans | 95.6866% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 3,315 |
| Noncurrent loans to loans | 1.2247% | 4,901 |
| Net loans and leases to total assets | 82.4489% | 748 |
| Net loans and leases to deposits | 93.5353% | 1,958 |
| Net loans and leases to core deposits | 114.4869% | 2,783 |
| Total domestic deposits to total assets | 88.1474% | 1,596 |
| Equity capital to assets | 8.4362% | 6,335 |
| Core capital (leverage) ratio | 8.7355% | 5,071 |
| Tier 1 risk-based capital ratio | 11.1736% | 5,786 |
| Total risk-based capital ratio | 12.4242% | 5,729 |
| Memoranda: | ||
| Average total assets | $212,089,500 | 3,065 |
| Average earning assets | $203,293,250 | 2,942 |
| Average equity | $18,519,500 | 3,448 |
| Average total loans | $186,251,250 | 2,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 3,139 |
| Cost of funding earning assets | 1.9676% | 3,928 |
| Net interest margin | 3.8123% | 3,502 |
| Noninterest income to average assets | 1.0342% | 1,487 |
| Noninterest expense to average assets | 3.4266% | 2,547 |
| Loan and lease loss provision to assets | 0.3729% | 3,693 |
| Net operating income to assets | 0.5876% | 3,729 |
| Return on assets (ROA) | 0.5876% | 3,837 |
| Pretax return on assets | 0.8933% | 3,364 |
| Return on Equity (ROE) | 6.6488% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.6488% | 1,722 |
| Net charge-offs to loans | 0.2938% | 3,719 |
| Credit loss provision to net charge-offs | 141.9708% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.8212% | 2,992 |
| Efficiency ratio | 73.0188% | 4,190 |
| Assets per employee ($millions) | 3.3974% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 3,757 |
| Loan loss allowance to noncurrent loans | 103.8725% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4683% | 4,037 |
| Noncurrent loans to loans | 1.3418% | 4,532 |
| Net loans and leases to total assets | 87.9064% | 240 |
| Net loans and leases to deposits | 100.6759% | 1,216 |
| Net loans and leases to core deposits | 124.7468% | 1,961 |
| Total domestic deposits to total assets | 87.3163% | 2,092 |
| Equity capital to assets | 9.0141% | 5,293 |
| Core capital (leverage) ratio | 8.9916% | 4,644 |
| Tier 1 risk-based capital ratio | 11.7065% | 5,191 |
| Total risk-based capital ratio | 12.9609% | 5,119 |
| Memoranda: | ||
| Average total assets | $208,661,330 | 3,124 |
| Average earning assets | $200,246,670 | 2,998 |
| Average equity | $18,439,330 | 3,478 |
| Average total loans | $186,495,330 | 2,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 3,290 |
| Cost of funding earning assets | 2.0242% | 4,012 |
| Net interest margin | 3.7780% | 3,544 |
| Noninterest income to average assets | 0.9495% | 1,642 |
| Noninterest expense to average assets | 3.2918% | 2,681 |
| Loan and lease loss provision to assets | 0.2560% | 3,918 |
| Net operating income to assets | 0.6763% | 3,679 |
| Return on assets (ROA) | 0.6763% | 3,860 |
| Pretax return on assets | 1.0317% | 3,243 |
| Return on Equity (ROE) | 7.7299% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.7299% | 1,913 |
| Net charge-offs to loans | 0.5358% | 2,111 |
| Credit loss provision to net charge-offs | 53.3865% | 4,624 |
| Earnings coverage of net charge-offs (x) | 2.6853% | 3,416 |
| Efficiency ratio | 71.8815% | 4,211 |
| Assets per employee ($millions) | 3.4016% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,242 |
| Loan loss allowance to noncurrent loans | 84.0689% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4391% | 3,772 |
| Noncurrent loans to loans | 1.5166% | 4,012 |
| Net loans and leases to total assets | 87.4360% | 307 |
| Net loans and leases to deposits | 100.0894% | 1,399 |
| Net loans and leases to core deposits | 123.8799% | 2,092 |
| Total domestic deposits to total assets | 87.3579% | 2,032 |
| Equity capital to assets | 8.9090% | 5,461 |
| Core capital (leverage) ratio | 8.7803% | 5,022 |
| Tier 1 risk-based capital ratio | 11.4341% | 5,474 |
| Total risk-based capital ratio | 12.6866% | 5,367 |
| Memoranda: | ||
| Average total assets | $209,371,000 | 3,120 |
| Average earning assets | $201,166,000 | 3,003 |
| Average equity | $18,318,500 | 3,517 |
| Average total loans | $187,366,000 | 2,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2879% | 4,034 |
| Cost of funding earning assets | 2.6542% | 3,397 |
| Net interest margin | 3.6337% | 4,738 |
| Noninterest income to average assets | 0.6283% | 3,647 |
| Noninterest expense to average assets | 3.1693% | 3,450 |
| Loan and lease loss provision to assets | 0.4575% | 3,001 |
| Net operating income to assets | 0.3291% | 5,450 |
| Return on assets (ROA) | 0.3295% | 5,267 |
| Pretax return on assets | 0.4724% | 5,067 |
| Return on Equity (ROE) | 3.9965% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.9965% | 2,647 |
| Net charge-offs to loans | 0.4577% | 2,540 |
| Credit loss provision to net charge-offs | 110.4143% | 4,884 |
| Earnings coverage of net charge-offs (x) | 2.2430% | 4,958 |
| Efficiency ratio | 77.3237% | 3,031 |
| Assets per employee ($millions) | 3.4630% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,870 |
| Loan loss allowance to noncurrent loans | 88.1089% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 3,352 |
| Noncurrent loans to loans | 1.4621% | 3,604 |
| Net loans and leases to total assets | 89.2338% | 257 |
| Net loans and leases to deposits | 111.3479% | 746 |
| Net loans and leases to core deposits | 133.8916% | 1,603 |
| Total domestic deposits to total assets | 80.1396% | 4,967 |
| Equity capital to assets | 8.5924% | 5,948 |
| Core capital (leverage) ratio | 8.5171% | 5,545 |
| Tier 1 risk-based capital ratio | 10.9735% | 5,747 |
| Total risk-based capital ratio | 12.2268% | 5,654 |
| Memoranda: | ||
| Average total assets | $215,502,600 | 2,932 |
| Average earning assets | $205,823,400 | 2,825 |
| Average equity | $17,765,600 | 3,598 |
| Average total loans | $195,097,600 | 2,349 |