Home > The National Bank and Trust Company > Performance and Condition Ratios
The National Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.9392% | 3,973 |
| Cost of funding earning assets | 0.2165% | 5,616 |
| Net interest margin | 3.7227% | 2,913 |
| Noninterest income to average assets | 1.1870% | 858 |
| Noninterest expense to average assets | 3.4047% | 1,690 |
| Loan and lease loss provision to assets | 0.0785% | 2,914 |
| Net operating income to assets | 0.8351% | 3,197 |
| Return on assets (ROA) | 0.8351% | 3,292 |
| Pretax return on assets | 1.0761% | 3,178 |
| Return on Equity (ROE) | 7.3009% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.3009% | 1,273 |
| Net charge-offs to loans | 0.2484% | 1,726 |
| Credit loss provision to net charge-offs | 51.8293% | 3,448 |
| Earnings coverage of net charge-offs (x) | 7.6230% | 3,009 |
| Efficiency ratio | 74.0775% | 2,821 |
| Assets per employee ($millions) | 3.6410% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,488 |
| Loan loss allowance to noncurrent loans | 69.5086% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 2,855 |
| Noncurrent loans to loans | 1.2888% | 2,296 |
| Net loans and leases to total assets | 61.0952% | 3,626 |
| Net loans and leases to deposits | 70.8197% | 3,806 |
| Net loans and leases to core deposits | 71.1184% | 4,207 |
| Total domestic deposits to total assets | 86.2687% | 2,691 |
| Equity capital to assets | 12.0985% | 1,949 |
| Core capital (leverage) ratio | 11.3077% | 2,125 |
| Tier 1 risk-based capital ratio | 17.6258% | 2,272 |
| Total risk-based capital ratio | 18.4840% | 2,365 |
| Memoranda: | ||
| Average total assets | $649,631,600 | 1,032 |
| Average earning assets | $588,490,000 | 1,040 |
| Average equity | $74,306,200 | 984 |
| Average total loans | $396,147,000 | 1,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 4,148 |
| Cost of funding earning assets | 0.2186% | 5,680 |
| Net interest margin | 3.6894% | 3,071 |
| Noninterest income to average assets | 1.1895% | 849 |
| Noninterest expense to average assets | 3.3904% | 1,698 |
| Loan and lease loss provision to assets | 0.1046% | 2,293 |
| Net operating income to assets | 0.8020% | 3,419 |
| Return on assets (ROA) | 0.8020% | 3,514 |
| Pretax return on assets | 1.0354% | 3,446 |
| Return on Equity (ROE) | 7.1141% | 3,650 |
| Retained earnings to average equity (ytd only) | 7.1141% | 1,759 |
| Net charge-offs to loans | 0.2199% | 1,722 |
| Credit loss provision to net charge-offs | 78.2209% | 2,630 |
| Earnings coverage of net charge-offs (x) | 8.5246% | 2,783 |
| Efficiency ratio | 74.1839% | 2,792 |
| Assets per employee ($millions) | 3.4194% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,321 |
| Loan loss allowance to noncurrent loans | 108.0387% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 3,523 |
| Noncurrent loans to loans | 0.9022% | 3,305 |
| Net loans and leases to total assets | 61.1608% | 3,607 |
| Net loans and leases to deposits | 70.6598% | 3,843 |
| Net loans and leases to core deposits | 70.9555% | 4,246 |
| Total domestic deposits to total assets | 86.5567% | 2,551 |
| Equity capital to assets | 11.7745% | 2,246 |
| Core capital (leverage) ratio | 11.0680% | 2,418 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,589 |
| Total risk-based capital ratio | 18.0031% | 2,654 |
| Memoranda: | ||
| Average total assets | $650,015,750 | 1,039 |
| Average earning assets | $588,628,000 | 1,048 |
| Average equity | $73,280,250 | 999 |
| Average total loans | $395,300,250 | 1,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 4,363 |
| Cost of funding earning assets | 0.2212% | 5,737 |
| Net interest margin | 3.6208% | 3,276 |
| Noninterest income to average assets | 1.1779% | 844 |
| Noninterest expense to average assets | 3.3541% | 1,796 |
| Loan and lease loss provision to assets | 0.1261% | 1,958 |
| Net operating income to assets | 0.7577% | 3,529 |
| Return on assets (ROA) | 0.7577% | 3,631 |
| Pretax return on assets | 0.9758% | 3,584 |
| Return on Equity (ROE) | 6.8220% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.8220% | 1,854 |
| Net charge-offs to loans | 0.3804% | 1,062 |
| Credit loss provision to net charge-offs | 54.8128% | 2,716 |
| Earnings coverage of net charge-offs (x) | 4.7888% | 3,044 |
| Efficiency ratio | 74.5599% | 2,881 |
| Assets per employee ($millions) | 3.3958% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 5,561 |
| Loan loss allowance to noncurrent loans | 116.5307% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 3,766 |
| Noncurrent loans to loans | 0.8163% | 3,670 |
| Net loans and leases to total assets | 59.3314% | 3,815 |
| Net loans and leases to deposits | 68.1424% | 4,034 |
| Net loans and leases to core deposits | 68.4246% | 4,423 |
| Total domestic deposits to total assets | 87.0697% | 2,419 |
| Equity capital to assets | 11.4607% | 2,457 |
| Core capital (leverage) ratio | 10.7707% | 2,653 |
| Tier 1 risk-based capital ratio | 17.1319% | 2,565 |
| Total risk-based capital ratio | 18.0367% | 2,679 |
| Memoranda: | ||
| Average total assets | $650,126,330 | 1,041 |
| Average earning assets | $588,604,000 | 1,048 |
| Average equity | $72,208,000 | 1,005 |
| Average total loans | $393,312,670 | 1,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 4,372 |
| Cost of funding earning assets | 0.2280% | 5,768 |
| Net interest margin | 3.5993% | 3,244 |
| Noninterest income to average assets | 1.1830% | 796 |
| Noninterest expense to average assets | 3.4018% | 1,699 |
| Loan and lease loss provision to assets | 0.1694% | 1,424 |
| Net operating income to assets | 0.6790% | 3,788 |
| Return on assets (ROA) | 0.6790% | 3,871 |
| Pretax return on assets | 0.8700% | 3,827 |
| Return on Equity (ROE) | 6.2128% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.2128% | 2,429 |
| Net charge-offs to loans | 0.3223% | 1,100 |
| Credit loss provision to net charge-offs | 86.4780% | 1,832 |
| Earnings coverage of net charge-offs (x) | 5.3050% | 2,391 |
| Efficiency ratio | 75.8879% | 2,822 |
| Assets per employee ($millions) | 3.4956% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,408 |
| Loan loss allowance to noncurrent loans | 86.0700% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 3,568 |
| Noncurrent loans to loans | 1.1949% | 3,050 |
| Net loans and leases to total assets | 58.4115% | 3,781 |
| Net loans and leases to deposits | 66.5197% | 4,022 |
| Net loans and leases to core deposits | 66.7889% | 4,417 |
| Total domestic deposits to total assets | 87.8107% | 2,334 |
| Equity capital to assets | 10.9248% | 2,788 |
| Core capital (leverage) ratio | 10.4603% | 2,976 |
| Tier 1 risk-based capital ratio | 16.8649% | 2,747 |
| Total risk-based capital ratio | 17.8464% | 2,820 |
| Memoranda: | ||
| Average total assets | $649,189,000 | 1,053 |
| Average earning assets | $587,666,000 | 1,060 |
| Average equity | $70,950,000 | 1,022 |
| Average total loans | $394,691,000 | 1,112 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 4,716 |
| Cost of funding earning assets | 0.2838% | 5,728 |
| Net interest margin | 3.5417% | 3,723 |
| Noninterest income to average assets | 1.2257% | 931 |
| Noninterest expense to average assets | 3.3565% | 1,982 |
| Loan and lease loss provision to assets | 0.3964% | 756 |
| Net operating income to assets | 0.5103% | 4,689 |
| Return on assets (ROA) | 0.6306% | 4,224 |
| Pretax return on assets | 0.8114% | 4,101 |
| Return on Equity (ROE) | 5.7154% | 4,263 |
| Retained earnings to average equity (ytd only) | 0.0277% | 5,843 |
| Net charge-offs to loans | 0.8144% | 765 |
| Credit loss provision to net charge-offs | 78.5563% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.0877% | 4,347 |
| Efficiency ratio | 75.2646% | 2,906 |
| Assets per employee ($millions) | 3.3214% | 5,240 |
| Cash dividends to net income (ytd only)* | 99.5146% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,488 |
| Loan loss allowance to noncurrent loans | 70.2914% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 3,217 |
| Noncurrent loans to loans | 1.4434% | 2,724 |
| Net loans and leases to total assets | 62.0052% | 3,361 |
| Net loans and leases to deposits | 70.6673% | 3,705 |
| Net loans and leases to core deposits | 70.9633% | 4,191 |
| Total domestic deposits to total assets | 87.7424% | 2,338 |
| Equity capital to assets | 10.9334% | 2,675 |
| Core capital (leverage) ratio | 10.4149% | 3,005 |
| Tier 1 risk-based capital ratio | 16.3669% | 2,923 |
| Total risk-based capital ratio | 17.3470% | 3,010 |
| Memoranda: | ||
| Average total assets | $653,354,200 | 1,021 |
| Average earning assets | $587,434,800 | 1,040 |
| Average equity | $72,085,600 | 987 |
| Average total loans | $404,824,400 | 1,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,710 |
| Cost of funding earning assets | 0.2918% | 5,797 |
| Net interest margin | 3.5460% | 3,681 |
| Noninterest income to average assets | 1.1964% | 1,026 |
| Noninterest expense to average assets | 3.3522% | 1,940 |
| Loan and lease loss provision to assets | 0.3733% | 833 |
| Net operating income to assets | 0.5042% | 4,772 |
| Return on assets (ROA) | 0.6262% | 4,359 |
| Pretax return on assets | 0.8143% | 4,241 |
| Return on Equity (ROE) | 5.6633% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.6633% | 2,627 |
| Net charge-offs to loans | 0.2350% | 2,395 |
| Credit loss provision to net charge-offs | 256.9832% | 965 |
| Earnings coverage of net charge-offs (x) | 7.0852% | 2,848 |
| Efficiency ratio | 75.6690% | 2,778 |
| Assets per employee ($millions) | 3.3598% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 3,664 |
| Loan loss allowance to noncurrent loans | 67.6400% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 2,581 |
| Noncurrent loans to loans | 2.1505% | 2,067 |
| Net loans and leases to total assets | 61.7957% | 3,398 |
| Net loans and leases to deposits | 70.8202% | 3,665 |
| Net loans and leases to core deposits | 71.1104% | 4,199 |
| Total domestic deposits to total assets | 87.2572% | 2,529 |
| Equity capital to assets | 11.3064% | 2,466 |
| Core capital (leverage) ratio | 10.8247% | 2,641 |
| Tier 1 risk-based capital ratio | 16.9752% | 2,716 |
| Total risk-based capital ratio | 18.2271% | 2,680 |
| Memoranda: | ||
| Average total assets | $657,265,750 | 1,021 |
| Average earning assets | $590,330,000 | 1,045 |
| Average equity | $72,676,250 | 989 |
| Average total loans | $406,164,250 | 1,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 4,596 |
| Cost of funding earning assets | 0.3027% | 5,809 |
| Net interest margin | 3.5643% | 3,506 |
| Noninterest income to average assets | 1.1537% | 1,145 |
| Noninterest expense to average assets | 3.3557% | 1,915 |
| Loan and lease loss provision to assets | 0.4355% | 675 |
| Net operating income to assets | 0.4262% | 5,124 |
| Return on assets (ROA) | 0.6058% | 4,430 |
| Pretax return on assets | 0.7999% | 4,314 |
| Return on Equity (ROE) | 5.5187% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.5187% | 2,726 |
| Net charge-offs to loans | 0.1952% | 2,590 |
| Credit loss provision to net charge-offs | 362.7204% | 717 |
| Earnings coverage of net charge-offs (x) | 8.3224% | 2,416 |
| Efficiency ratio | 76.2292% | 2,749 |
| Assets per employee ($millions) | 3.4176% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 3,969 |
| Loan loss allowance to noncurrent loans | 63.9167% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 2,614 |
| Noncurrent loans to loans | 2.2134% | 2,157 |
| Net loans and leases to total assets | 61.3067% | 3,422 |
| Net loans and leases to deposits | 69.8508% | 3,734 |
| Net loans and leases to core deposits | 70.2041% | 4,250 |
| Total domestic deposits to total assets | 87.7680% | 2,404 |
| Equity capital to assets | 10.8649% | 2,880 |
| Core capital (leverage) ratio | 10.5174% | 2,861 |
| Tier 1 risk-based capital ratio | 16.5477% | 2,922 |
| Total risk-based capital ratio | 17.7995% | 2,871 |
| Memoranda: | ||
| Average total assets | $661,326,000 | 1,012 |
| Average earning assets | $593,938,330 | 1,039 |
| Average equity | $72,589,670 | 992 |
| Average total loans | $406,712,670 | 1,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 4,227 |
| Cost of funding earning assets | 0.3187% | 5,815 |
| Net interest margin | 3.6545% | 3,061 |
| Noninterest income to average assets | 1.0692% | 1,303 |
| Noninterest expense to average assets | 3.4069% | 1,819 |
| Loan and lease loss provision to assets | 0.0846% | 3,245 |
| Net operating income to assets | 0.6403% | 4,015 |
| Return on assets (ROA) | 0.6240% | 4,259 |
| Pretax return on assets | 0.8318% | 4,035 |
| Return on Equity (ROE) | 5.6562% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.6562% | 2,861 |
| Net charge-offs to loans | 0.2272% | 2,085 |
| Credit loss provision to net charge-offs | 60.8696% | 2,436 |
| Earnings coverage of net charge-offs (x) | 6.7522% | 2,166 |
| Efficiency ratio | 77.6171% | 2,673 |
| Assets per employee ($millions) | 3.4189% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,429 |
| Loan loss allowance to noncurrent loans | 44.9817% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 2,589 |
| Noncurrent loans to loans | 2.5459% | 2,027 |
| Net loans and leases to total assets | 59.8531% | 3,453 |
| Net loans and leases to deposits | 68.9029% | 3,651 |
| Net loans and leases to core deposits | 69.5732% | 4,131 |
| Total domestic deposits to total assets | 86.8658% | 3,038 |
| Equity capital to assets | 10.8918% | 3,085 |
| Core capital (leverage) ratio | 10.2239% | 3,115 |
| Tier 1 risk-based capital ratio | 16.3249% | 3,098 |
| Total risk-based capital ratio | 17.4417% | 3,110 |
| Memoranda: | ||
| Average total assets | $662,189,000 | 1,017 |
| Average earning assets | $593,577,000 | 1,049 |
| Average equity | $73,052,000 | 996 |
| Average total loans | $404,978,000 | 1,049 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 4,671 |
| Cost of funding earning assets | 0.4314% | 5,712 |
| Net interest margin | 3.7465% | 3,458 |
| Noninterest income to average assets | 1.2680% | 969 |
| Noninterest expense to average assets | 3.3326% | 2,248 |
| Loan and lease loss provision to assets | 0.6341% | 849 |
| Net operating income to assets | 0.4936% | 4,710 |
| Return on assets (ROA) | 0.6199% | 4,405 |
| Pretax return on assets | 0.8229% | 4,215 |
| Return on Equity (ROE) | 5.6680% | 4,332 |
| Retained earnings to average equity (ytd only) | -0.0122% | 5,844 |
| Net charge-offs to loans | 1.0501% | 1,023 |
| Credit loss provision to net charge-offs | 102.1931% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.0765% | 4,375 |
| Efficiency ratio | 71.2365% | 3,580 |
| Assets per employee ($millions) | 3.2062% | 5,608 |
| Cash dividends to net income (ytd only)* | 100.2147% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,194 |
| Loan loss allowance to noncurrent loans | 44.9353% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 2,676 |
| Noncurrent loans to loans | 2.6340% | 2,009 |
| Net loans and leases to total assets | 61.0584% | 3,406 |
| Net loans and leases to deposits | 70.0094% | 3,711 |
| Net loans and leases to core deposits | 71.1957% | 4,143 |
| Total domestic deposits to total assets | 87.2146% | 2,695 |
| Equity capital to assets | 11.1769% | 2,759 |
| Core capital (leverage) ratio | 10.1213% | 3,245 |
| Tier 1 risk-based capital ratio | 16.3926% | 2,944 |
| Total risk-based capital ratio | 17.5548% | 2,950 |
| Memoranda: | ||
| Average total assets | $676,050,800 | 969 |
| Average earning assets | $605,068,600 | 990 |
| Average equity | $73,941,800 | 959 |
| Average total loans | $399,487,400 | 1,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 5,015 |
| Cost of funding earning assets | 0.4577% | 5,736 |
| Net interest margin | 3.6878% | 3,846 |
| Noninterest income to average assets | 1.2844% | 896 |
| Noninterest expense to average assets | 3.3116% | 2,238 |
| Loan and lease loss provision to assets | 0.7044% | 722 |
| Net operating income to assets | 0.4340% | 5,104 |
| Return on assets (ROA) | 0.6032% | 4,645 |
| Pretax return on assets | 0.7937% | 4,509 |
| Return on Equity (ROE) | 5.5440% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.5440% | 3,009 |
| Net charge-offs to loans | 0.7148% | 1,544 |
| Credit loss provision to net charge-offs | 168.6155% | 1,652 |
| Earnings coverage of net charge-offs (x) | 3.0533% | 3,811 |
| Efficiency ratio | 71.3154% | 3,445 |
| Assets per employee ($millions) | 3.2035% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,800 |
| Loan loss allowance to noncurrent loans | 49.3723% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 2,454 |
| Noncurrent loans to loans | 3.1064% | 1,791 |
| Net loans and leases to total assets | 58.8297% | 3,990 |
| Net loans and leases to deposits | 67.7068% | 4,227 |
| Net loans and leases to core deposits | 68.8837% | 4,628 |
| Total domestic deposits to total assets | 86.8889% | 2,743 |
| Equity capital to assets | 11.3828% | 2,869 |
| Core capital (leverage) ratio | 10.3116% | 3,149 |
| Tier 1 risk-based capital ratio | 17.0682% | 2,706 |
| Total risk-based capital ratio | 18.3212% | 2,653 |
| Memoranda: | ||
| Average total assets | $682,350,500 | 969 |
| Average earning assets | $611,124,500 | 991 |
| Average equity | $74,241,000 | 960 |
| Average total loans | $398,819,250 | 1,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 5,060 |
| Cost of funding earning assets | 0.4868% | 5,710 |
| Net interest margin | 3.6823% | 3,914 |
| Noninterest income to average assets | 1.1109% | 1,161 |
| Noninterest expense to average assets | 3.2810% | 2,358 |
| Loan and lease loss provision to assets | 0.4754% | 1,337 |
| Net operating income to assets | 0.4773% | 4,920 |
| Return on assets (ROA) | 0.5045% | 5,060 |
| Pretax return on assets | 0.6854% | 4,865 |
| Return on Equity (ROE) | 4.7075% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.7075% | 3,477 |
| Net charge-offs to loans | 0.8996% | 1,223 |
| Credit loss provision to net charge-offs | 91.0714% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.1535% | 3,907 |
| Efficiency ratio | 73.5701% | 3,147 |
| Assets per employee ($millions) | 3.3026% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,616 |
| Loan loss allowance to noncurrent loans | 37.1732% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 2,535 |
| Noncurrent loans to loans | 3.0587% | 1,920 |
| Net loans and leases to total assets | 57.0600% | 4,317 |
| Net loans and leases to deposits | 65.3665% | 4,591 |
| Net loans and leases to core deposits | 66.4727% | 4,942 |
| Total domestic deposits to total assets | 87.2924% | 2,600 |
| Equity capital to assets | 10.8984% | 3,228 |
| Core capital (leverage) ratio | 9.9758% | 3,454 |
| Tier 1 risk-based capital ratio | 16.6457% | 2,834 |
| Total risk-based capital ratio | 17.7401% | 2,885 |
| Memoranda: | ||
| Average total assets | $686,625,330 | 963 |
| Average earning assets | $614,230,330 | 982 |
| Average equity | $73,584,330 | 957 |
| Average total loans | $398,420,670 | 1,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 4,909 |
| Cost of funding earning assets | 0.5098% | 5,753 |
| Net interest margin | 3.7451% | 3,614 |
| Noninterest income to average assets | 1.0879% | 1,219 |
| Noninterest expense to average assets | 3.3429% | 2,161 |
| Loan and lease loss provision to assets | 0.7575% | 669 |
| Net operating income to assets | 0.2698% | 5,751 |
| Return on assets (ROA) | 0.2698% | 5,916 |
| Pretax return on assets | 0.3350% | 5,894 |
| Return on Equity (ROE) | 2.5389% | 5,888 |
| Retained earnings to average equity (ytd only) | 2.5389% | 4,987 |
| Net charge-offs to loans | 1.3971% | 718 |
| Credit loss provision to net charge-offs | 93.1900% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.3441% | 3,661 |
| Efficiency ratio | 74.4482% | 3,026 |
| Assets per employee ($millions) | 3.3529% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,677 |
| Loan loss allowance to noncurrent loans | 45.7483% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9352% | 2,992 |
| Noncurrent loans to loans | 2.5349% | 2,572 |
| Net loans and leases to total assets | 55.8888% | 4,406 |
| Net loans and leases to deposits | 63.9032% | 4,652 |
| Net loans and leases to core deposits | 65.0908% | 5,007 |
| Total domestic deposits to total assets | 87.4585% | 2,683 |
| Equity capital to assets | 10.5296% | 3,455 |
| Core capital (leverage) ratio | 9.6663% | 3,820 |
| Tier 1 risk-based capital ratio | 16.3456% | 2,990 |
| Total risk-based capital ratio | 17.4580% | 3,025 |
| Memoranda: | ||
| Average total assets | $686,469,500 | 961 |
| Average earning assets | $613,604,500 | 978 |
| Average equity | $72,944,000 | 956 |
| Average total loans | $399,394,000 | 1,057 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 4,335 |
| Cost of funding earning assets | 0.6650% | 5,741 |
| Net interest margin | 4.0140% | 2,814 |
| Noninterest income to average assets | 1.0169% | 1,318 |
| Noninterest expense to average assets | 3.5432% | 1,878 |
| Loan and lease loss provision to assets | 0.4339% | 2,431 |
| Net operating income to assets | 0.4317% | 4,730 |
| Return on assets (ROA) | 0.6227% | 4,071 |
| Pretax return on assets | 0.8819% | 3,668 |
| Return on Equity (ROE) | 5.7281% | 4,013 |
| Retained earnings to average equity (ytd only) | 0.2883% | 5,697 |
| Net charge-offs to loans | 0.4852% | 3,057 |
| Credit loss provision to net charge-offs | 148.1575% | 1,920 |
| Earnings coverage of net charge-offs (x) | 3.5740% | 3,465 |
| Efficiency ratio | 76.0573% | 2,882 |
| Assets per employee ($millions) | 3.2016% | 5,700 |
| Cash dividends to net income (ytd only)* | 94.9668% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,609 |
| Loan loss allowance to noncurrent loans | 38.3692% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.3220% | 2,603 |
| Noncurrent loans to loans | 3.0081% | 2,158 |
| Net loans and leases to total assets | 59.1792% | 4,156 |
| Net loans and leases to deposits | 67.8441% | 4,463 |
| Net loans and leases to core deposits | 69.1817% | 4,886 |
| Total domestic deposits to total assets | 87.2281% | 2,628 |
| Equity capital to assets | 10.7255% | 3,279 |
| Core capital (leverage) ratio | 9.8657% | 3,498 |
| Tier 1 risk-based capital ratio | 16.0321% | 3,029 |
| Total risk-based capital ratio | 17.1555% | 3,055 |
| Memoranda: | ||
| Average total assets | $676,366,600 | 959 |
| Average earning assets | $602,071,400 | 973 |
| Average equity | $73,531,800 | 922 |
| Average total loans | $408,314,000 | 1,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 4,200 |
| Cost of funding earning assets | 0.7058% | 5,725 |
| Net interest margin | 4.0511% | 2,687 |
| Noninterest income to average assets | 1.0435% | 1,238 |
| Noninterest expense to average assets | 3.6219% | 1,666 |
| Loan and lease loss provision to assets | 0.2779% | 3,293 |
| Net operating income to assets | 0.5226% | 4,444 |
| Return on assets (ROA) | 0.6882% | 3,847 |
| Pretax return on assets | 0.9863% | 3,453 |
| Return on Equity (ROE) | 6.3087% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.3087% | 2,360 |
| Net charge-offs to loans | 0.5343% | 2,632 |
| Credit loss provision to net charge-offs | 85.9756% | 3,923 |
| Earnings coverage of net charge-offs (x) | 3.1799% | 3,549 |
| Efficiency ratio | 76.7738% | 2,708 |
| Assets per employee ($millions) | 3.0768% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,696 |
| Loan loss allowance to noncurrent loans | 35.8842% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 2.0696% | 3,060 |
| Noncurrent loans to loans | 2.3974% | 2,891 |
| Net loans and leases to total assets | 59.5864% | 4,213 |
| Net loans and leases to deposits | 69.0611% | 4,443 |
| Net loans and leases to core deposits | 70.5069% | 4,889 |
| Total domestic deposits to total assets | 86.2807% | 3,052 |
| Equity capital to assets | 11.3329% | 2,828 |
| Core capital (leverage) ratio | 10.3528% | 3,035 |
| Tier 1 risk-based capital ratio | 16.7230% | 2,755 |
| Total risk-based capital ratio | 17.5591% | 2,930 |
| Memoranda: | ||
| Average total assets | $676,573,250 | 970 |
| Average earning assets | $602,257,000 | 980 |
| Average equity | $73,801,000 | 920 |
| Average total loans | $409,280,750 | 1,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 3,770 |
| Cost of funding earning assets | 0.7606% | 5,623 |
| Net interest margin | 4.1057% | 2,388 |
| Noninterest income to average assets | 0.9506% | 1,463 |
| Noninterest expense to average assets | 3.6006% | 1,741 |
| Loan and lease loss provision to assets | 0.2760% | 3,171 |
| Net operating income to assets | 0.5068% | 4,471 |
| Return on assets (ROA) | 0.6678% | 3,823 |
| Pretax return on assets | 0.9547% | 3,409 |
| Return on Equity (ROE) | 6.2017% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.2017% | 2,298 |
| Net charge-offs to loans | 0.5717% | 2,394 |
| Credit loss provision to net charge-offs | 79.6422% | 3,784 |
| Earnings coverage of net charge-offs (x) | 2.8876% | 3,399 |
| Efficiency ratio | 77.1091% | 2,842 |
| Assets per employee ($millions) | 3.0671% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 6,769 |
| Loan loss allowance to noncurrent loans | 27.1888% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5129% | 2,652 |
| Noncurrent loans to loans | 3.1288% | 2,299 |
| Net loans and leases to total assets | 60.0240% | 4,266 |
| Net loans and leases to deposits | 69.0125% | 4,564 |
| Net loans and leases to core deposits | 70.4734% | 5,013 |
| Total domestic deposits to total assets | 86.9755% | 2,750 |
| Equity capital to assets | 11.0103% | 2,937 |
| Core capital (leverage) ratio | 10.2175% | 3,013 |
| Tier 1 risk-based capital ratio | 16.4080% | 2,786 |
| Total risk-based capital ratio | 17.2424% | 2,946 |
| Memoranda: | ||
| Average total assets | $677,494,000 | 977 |
| Average earning assets | $602,423,670 | 986 |
| Average equity | $72,947,330 | 930 |
| Average total loans | $410,713,000 | 1,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 3,827 |
| Cost of funding earning assets | 0.7959% | 5,594 |
| Net interest margin | 4.0523% | 2,465 |
| Noninterest income to average assets | 0.9115% | 1,624 |
| Noninterest expense to average assets | 3.7310% | 1,476 |
| Loan and lease loss provision to assets | 0.3241% | 2,602 |
| Net operating income to assets | 0.3239% | 5,292 |
| Return on assets (ROA) | 0.6493% | 3,831 |
| Pretax return on assets | 0.9215% | 3,423 |
| Return on Equity (ROE) | 6.0990% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.0990% | 2,578 |
| Net charge-offs to loans | 0.7362% | 1,743 |
| Credit loss provision to net charge-offs | 72.5594% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.7480% | 3,430 |
| Efficiency ratio | 81.5202% | 2,296 |
| Assets per employee ($millions) | 3.0775% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 6,807 |
| Loan loss allowance to noncurrent loans | 30.7005% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 2,830 |
| Noncurrent loans to loans | 2.7943% | 2,705 |
| Net loans and leases to total assets | 60.6729% | 4,139 |
| Net loans and leases to deposits | 69.5311% | 4,424 |
| Net loans and leases to core deposits | 71.3947% | 4,871 |
| Total domestic deposits to total assets | 87.2601% | 2,793 |
| Equity capital to assets | 10.8413% | 2,843 |
| Core capital (leverage) ratio | 9.8955% | 3,275 |
| Tier 1 risk-based capital ratio | 15.9133% | 2,943 |
| Total risk-based capital ratio | 16.7454% | 3,114 |
| Memoranda: | ||
| Average total assets | $678,857,500 | 986 |
| Average earning assets | $603,120,500 | 996 |
| Average equity | $72,274,000 | 937 |
| Average total loans | $411,821,000 | 1,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 3,879 |
| Cost of funding earning assets | 1.0748% | 5,289 |
| Net interest margin | 4.0708% | 2,705 |
| Noninterest income to average assets | 2.3604% | 303 |
| Noninterest expense to average assets | 3.7986% | 1,492 |
| Loan and lease loss provision to assets | 0.2338% | 4,942 |
| Net operating income to assets | 1.3424% | 1,075 |
| Return on assets (ROA) | 1.3378% | 1,154 |
| Pretax return on assets | 1.9536% | 537 |
| Return on Equity (ROE) | 12.2416% | 1,271 |
| Retained earnings to average equity (ytd only) | 1.6094% | 4,716 |
| Net charge-offs to loans | 0.3972% | 4,055 |
| Credit loss provision to net charge-offs | 96.2919% | 4,825 |
| Earnings coverage of net charge-offs (x) | 9.0359% | 1,889 |
| Efficiency ratio | 62.4255% | 5,654 |
| Assets per employee ($millions) | 3.1793% | 5,719 |
| Cash dividends to net income (ytd only)* | 86.8527% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,738 |
| Loan loss allowance to noncurrent loans | 31.4533% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.3280% | 2,941 |
| Noncurrent loans to loans | 2.8456% | 2,673 |
| Net loans and leases to total assets | 59.6085% | 4,745 |
| Net loans and leases to deposits | 69.3381% | 4,904 |
| Net loans and leases to core deposits | 70.8665% | 5,348 |
| Total domestic deposits to total assets | 85.9678% | 3,371 |
| Equity capital to assets | 10.4577% | 3,199 |
| Core capital (leverage) ratio | 9.4521% | 3,763 |
| Tier 1 risk-based capital ratio | 15.4376% | 3,024 |
| Total risk-based capital ratio | 16.3090% | 3,158 |
| Memoranda: | ||
| Average total assets | $688,518,000 | 967 |
| Average earning assets | $614,373,600 | 983 |
| Average equity | $75,243,200 | 876 |
| Average total loans | $420,950,000 | 1,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 3,874 |
| Cost of funding earning assets | 1.0972% | 5,434 |
| Net interest margin | 4.0936% | 2,651 |
| Noninterest income to average assets | 2.7942% | 236 |
| Noninterest expense to average assets | 3.8251% | 1,331 |
| Loan and lease loss provision to assets | 0.2296% | 4,777 |
| Net operating income to assets | 1.6321% | 698 |
| Return on assets (ROA) | 1.6259% | 778 |
| Pretax return on assets | 2.3794% | 278 |
| Return on Equity (ROE) | 14.7191% | 910 |
| Retained earnings to average equity (ytd only) | 14.7191% | 226 |
| Net charge-offs to loans | 0.3238% | 4,044 |
| Credit loss provision to net charge-offs | 115.4971% | 3,613 |
| Earnings coverage of net charge-offs (x) | 13.1705% | 1,613 |
| Efficiency ratio | 58.4887% | 6,189 |
| Assets per employee ($millions) | 3.2574% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 6,674 |
| Loan loss allowance to noncurrent loans | 35.7337% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 2.1732% | 3,244 |
| Noncurrent loans to loans | 2.5774% | 3,051 |
| Net loans and leases to total assets | 61.3014% | 4,665 |
| Net loans and leases to deposits | 73.8781% | 4,534 |
| Net loans and leases to core deposits | 75.7609% | 5,086 |
| Total domestic deposits to total assets | 82.9763% | 4,597 |
| Equity capital to assets | 11.5546% | 2,491 |
| Core capital (leverage) ratio | 10.5218% | 2,667 |
| Tier 1 risk-based capital ratio | 16.8647% | 2,388 |
| Total risk-based capital ratio | 17.7768% | 2,504 |
| Memoranda: | ||
| Average total assets | $688,172,500 | 973 |
| Average earning assets | $613,429,000 | 994 |
| Average equity | $76,017,000 | 868 |
| Average total loans | $422,449,250 | 1,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 4,108 |
| Cost of funding earning assets | 1.0977% | 5,683 |
| Net interest margin | 4.0685% | 2,706 |
| Noninterest income to average assets | 3.6629% | 181 |
| Noninterest expense to average assets | 3.9667% | 1,087 |
| Loan and lease loss provision to assets | 0.2793% | 4,165 |
| Net operating income to assets | 2.0676% | 293 |
| Return on assets (ROA) | 2.0583% | 329 |
| Pretax return on assets | 3.0266% | 124 |
| Return on Equity (ROE) | 18.9249% | 390 |
| Retained earnings to average equity (ytd only) | 18.9249% | 105 |
| Net charge-offs to loans | 0.4249% | 3,295 |
| Credit loss provision to net charge-offs | 107.3826% | 3,796 |
| Earnings coverage of net charge-offs (x) | 12.7617% | 1,652 |
| Efficiency ratio | 53.6858% | 6,914 |
| Assets per employee ($millions) | 3.0118% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,810 |
| Loan loss allowance to noncurrent loans | 32.6035% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.2534% | 3,192 |
| Noncurrent loans to loans | 2.7129% | 2,940 |
| Net loans and leases to total assets | 61.8809% | 4,706 |
| Net loans and leases to deposits | 74.3562% | 4,621 |
| Net loans and leases to core deposits | 76.2410% | 5,166 |
| Total domestic deposits to total assets | 83.2222% | 4,480 |
| Equity capital to assets | 11.2326% | 2,659 |
| Core capital (leverage) ratio | 10.2381% | 2,901 |
| Tier 1 risk-based capital ratio | 16.5020% | 2,468 |
| Total risk-based capital ratio | 17.3912% | 2,569 |
| Memoranda: | ||
| Average total assets | $687,376,000 | 977 |
| Average earning assets | $612,170,000 | 1,006 |
| Average equity | $74,758,670 | 878 |
| Average total loans | $420,846,000 | 1,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 5,443 |
| Cost of funding earning assets | 1.0931% | 5,945 |
| Net interest margin | 3.8125% | 3,740 |
| Noninterest income to average assets | 6.2137% | 112 |
| Noninterest expense to average assets | 4.3589% | 673 |
| Loan and lease loss provision to assets | 0.2547% | 4,006 |
| Net operating income to assets | 3.3551% | 68 |
| Return on assets (ROA) | 3.3355% | 72 |
| Pretax return on assets | 4.9667% | 57 |
| Return on Equity (ROE) | 31.1893% | 81 |
| Retained earnings to average equity (ytd only) | 31.1893% | 56 |
| Net charge-offs to loans | 0.5477% | 2,435 |
| Credit loss provision to net charge-offs | 76.7196% | 3,957 |
| Earnings coverage of net charge-offs (x) | 15.8166% | 1,361 |
| Efficiency ratio | 44.8364% | 7,593 |
| Assets per employee ($millions) | 3.0892% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 7,020 |
| Loan loss allowance to noncurrent loans | 34.4489% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.0531% | 3,439 |
| Noncurrent loans to loans | 2.4466% | 3,229 |
| Net loans and leases to total assets | 59.8179% | 5,146 |
| Net loans and leases to deposits | 71.3087% | 5,150 |
| Net loans and leases to core deposits | 72.9114% | 5,618 |
| Total domestic deposits to total assets | 83.8858% | 4,201 |
| Equity capital to assets | 10.6429% | 3,099 |
| Core capital (leverage) ratio | 10.5958% | 2,538 |
| Tier 1 risk-based capital ratio | 15.8776% | 2,698 |
| Total risk-based capital ratio | 16.7077% | 2,838 |
| Memoranda: | ||
| Average total assets | $683,196,500 | 1,006 |
| Average earning assets | $608,522,500 | 1,031 |
| Average equity | $73,063,500 | 907 |
| Average total loans | $414,084,500 | 1,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 5,601 |
| Cost of funding earning assets | 1.3564% | 6,111 |
| Net interest margin | 3.8550% | 3,461 |
| Noninterest income to average assets | 1.7791% | 467 |
| Noninterest expense to average assets | 3.9206% | 1,481 |
| Loan and lease loss provision to assets | 0.2770% | 5,202 |
| Net operating income to assets | 0.8634% | 2,301 |
| Return on assets (ROA) | 0.8469% | 2,447 |
| Pretax return on assets | 0.9881% | 2,630 |
| Return on Equity (ROE) | 7.4110% | 2,615 |
| Retained earnings to average equity (ytd only) | 1.1557% | 4,238 |
| Net charge-offs to loans | 0.3431% | 4,514 |
| Credit loss provision to net charge-offs | 130.8017% | 3,884 |
| Earnings coverage of net charge-offs (x) | 6.0641% | 2,442 |
| Efficiency ratio | 74.7562% | 3,747 |
| Assets per employee ($millions) | 2.6958% | 6,863 |
| Cash dividends to net income (ytd only)* | 84.4060% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,621 |
| Loan loss allowance to noncurrent loans | 44.6283% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 3,621 |
| Noncurrent loans to loans | 2.1377% | 3,472 |
| Net loans and leases to total assets | 60.3415% | 5,284 |
| Net loans and leases to deposits | 71.8042% | 5,353 |
| Net loans and leases to core deposits | 78.0350% | 6,256 |
| Total domestic deposits to total assets | 84.0362% | 4,009 |
| Equity capital to assets | 10.7511% | 2,921 |
| Core capital (leverage) ratio | 11.3804% | 1,983 |
| Tier 1 risk-based capital ratio | 14.9059% | 2,999 |
| Total risk-based capital ratio | 15.7938% | 3,133 |
| Memoranda: | ||
| Average total assets | $559,555,200 | 1,240 |
| Average earning assets | $497,254,000 | 1,269 |
| Average equity | $63,945,200 | 1,036 |
| Average total loans | $345,365,800 | 1,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4423% | 4,722 |
| Cost of funding earning assets | 1.4309% | 6,119 |
| Net interest margin | 4.0115% | 2,759 |
| Noninterest income to average assets | 1.5324% | 632 |
| Noninterest expense to average assets | 4.0546% | 1,206 |
| Loan and lease loss provision to assets | 0.1614% | 5,738 |
| Net operating income to assets | 0.6727% | 3,306 |
| Return on assets (ROA) | 0.6808% | 3,336 |
| Pretax return on assets | 0.8950% | 3,242 |
| Return on Equity (ROE) | 5.8523% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.8523% | 2,018 |
| Net charge-offs to loans | 0.4215% | 3,576 |
| Credit loss provision to net charge-offs | 61.7871% | 6,140 |
| Earnings coverage of net charge-offs (x) | 4.0038% | 3,305 |
| Efficiency ratio | 78.8833% | 3,013 |
| Assets per employee ($millions) | 2.7174% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,776 |
| Loan loss allowance to noncurrent loans | 87.7515% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 5,182 |
| Noncurrent loans to loans | 1.0196% | 5,269 |
| Net loans and leases to total assets | 60.1234% | 5,564 |
| Net loans and leases to deposits | 73.6536% | 5,415 |
| Net loans and leases to core deposits | 79.0619% | 6,418 |
| Total domestic deposits to total assets | 81.6300% | 4,826 |
| Equity capital to assets | 11.6619% | 2,461 |
| Core capital (leverage) ratio | 10.7752% | 2,576 |
| Tier 1 risk-based capital ratio | 16.2410% | 2,540 |
| Total risk-based capital ratio | 17.0686% | 2,631 |
| Memoranda: | ||
| Average total assets | $537,021,750 | 1,295 |
| Average earning assets | $477,652,000 | 1,339 |
| Average equity | $62,469,250 | 1,071 |
| Average total loans | $332,755,250 | 1,472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 4,764 |
| Cost of funding earning assets | 1.4680% | 6,268 |
| Net interest margin | 4.0053% | 2,679 |
| Noninterest income to average assets | 1.4950% | 661 |
| Noninterest expense to average assets | 4.0810% | 1,213 |
| Loan and lease loss provision to assets | 0.1788% | 5,256 |
| Net operating income to assets | 0.6108% | 3,634 |
| Return on assets (ROA) | 0.6219% | 3,692 |
| Pretax return on assets | 0.8015% | 3,670 |
| Return on Equity (ROE) | 5.3512% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,318 |
| Net charge-offs to loans | 0.5875% | 2,570 |
| Credit loss provision to net charge-offs | 48.7680% | 5,787 |
| Earnings coverage of net charge-offs (x) | 2.6345% | 3,756 |
| Efficiency ratio | 80.2253% | 3,009 |
| Assets per employee ($millions) | 2.5513% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,870 |
| Loan loss allowance to noncurrent loans | 102.6798% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 5,176 |
| Noncurrent loans to loans | 0.8536% | 5,517 |
| Net loans and leases to total assets | 60.8908% | 5,538 |
| Net loans and leases to deposits | 74.3555% | 5,402 |
| Net loans and leases to core deposits | 79.8266% | 6,423 |
| Total domestic deposits to total assets | 81.8914% | 4,733 |
| Equity capital to assets | 11.6039% | 2,467 |
| Core capital (leverage) ratio | 10.9393% | 2,452 |
| Tier 1 risk-based capital ratio | 16.1788% | 2,557 |
| Total risk-based capital ratio | 16.9927% | 2,649 |
| Memoranda: | ||
| Average total assets | $531,248,000 | 1,324 |
| Average earning assets | $471,129,670 | 1,375 |
| Average equity | $61,743,330 | 1,103 |
| Average total loans | $331,574,000 | 1,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 5,047 |
| Cost of funding earning assets | 1.5175% | 6,354 |
| Net interest margin | 3.9571% | 2,825 |
| Noninterest income to average assets | 1.4520% | 667 |
| Noninterest expense to average assets | 4.0522% | 1,126 |
| Loan and lease loss provision to assets | 0.1900% | 4,539 |
| Net operating income to assets | 0.5714% | 4,138 |
| Return on assets (ROA) | 0.5714% | 4,334 |
| Pretax return on assets | 0.7188% | 4,363 |
| Return on Equity (ROE) | 4.9123% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.9123% | 3,177 |
| Net charge-offs to loans | 0.8477% | 1,539 |
| Credit loss provision to net charge-offs | 35.6125% | 4,879 |
| Earnings coverage of net charge-offs (x) | 1.7037% | 3,876 |
| Efficiency ratio | 81.0231% | 2,673 |
| Assets per employee ($millions) | 2.4831% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,717 |
| Loan loss allowance to noncurrent loans | 102.0345% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 5,262 |
| Noncurrent loans to loans | 0.8888% | 5,229 |
| Net loans and leases to total assets | 61.1299% | 5,482 |
| Net loans and leases to deposits | 74.8272% | 5,373 |
| Net loans and leases to core deposits | 80.8014% | 6,326 |
| Total domestic deposits to total assets | 81.6947% | 4,682 |
| Equity capital to assets | 11.7416% | 2,414 |
| Core capital (leverage) ratio | 10.8337% | 2,634 |
| Tier 1 risk-based capital ratio | 16.2936% | 2,583 |
| Total risk-based capital ratio | 17.1406% | 2,670 |
| Memoranda: | ||
| Average total assets | $526,432,000 | 1,343 |
| Average earning assets | $466,807,000 | 1,396 |
| Average equity | $61,233,500 | 1,120 |
| Average total loans | $331,232,000 | 1,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2034% | 4,498 |
| Cost of funding earning assets | 2.0709% | 6,160 |
| Net interest margin | 4.1325% | 2,575 |
| Noninterest income to average assets | 1.5354% | 595 |
| Noninterest expense to average assets | 4.0849% | 1,302 |
| Loan and lease loss provision to assets | 0.0763% | 6,445 |
| Net operating income to assets | 0.7973% | 3,446 |
| Return on assets (ROA) | 0.7995% | 3,273 |
| Pretax return on assets | 1.0406% | 3,235 |
| Return on Equity (ROE) | 6.7823% | 3,631 |
| Retained earnings to average equity (ytd only) | -0.0146% | 5,264 |
| Net charge-offs to loans | 0.1682% | 4,514 |
| Credit loss provision to net charge-offs | 68.6106% | 6,093 |
| Earnings coverage of net charge-offs (x) | 10.0172% | 2,586 |
| Efficiency ratio | 77.7464% | 2,960 |
| Assets per employee ($millions) | 2.4715% | 7,256 |
| Cash dividends to net income (ytd only)* | 100.2147% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,893 |
| Loan loss allowance to noncurrent loans | 107.1631% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 5,215 |
| Noncurrent loans to loans | 0.9468% | 4,713 |
| Net loans and leases to total assets | 63.5116% | 5,368 |
| Net loans and leases to deposits | 77.7260% | 5,375 |
| Net loans and leases to core deposits | 84.4827% | 6,255 |
| Total domestic deposits to total assets | 81.7122% | 4,314 |
| Equity capital to assets | 11.5210% | 2,626 |
| Core capital (leverage) ratio | 10.7167% | 2,806 |
| Tier 1 risk-based capital ratio | 15.7036% | 2,778 |
| Total risk-based capital ratio | 16.6588% | 2,812 |
| Memoranda: | ||
| Average total assets | $524,217,000 | 1,288 |
| Average earning assets | $464,731,200 | 1,341 |
| Average equity | $61,793,000 | 1,087 |
| Average total loans | $346,649,600 | 1,400 |