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The National Bank & Trust Company of Sycamore, Performance and Condition Ratios

2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7247%4,294
Cost of funding earning assets0.3710%3,476
Net interest margin3.3537%4,099
Noninterest income to average assets1.3705%642
Noninterest expense to average assets3.6667%1,023
Loan and lease loss provision to assets0.1283%1,879
Net operating income to assets0.4671%4,823
Return on assets (ROA)0.5438%4,619
Pretax return on assets0.6771%4,592
Return on Equity (ROE)5.7374%4,163
Retained earnings to average equity (ytd only)5.4093%2,137
Net charge-offs to loans0.1097%2,280
Credit loss provision to net charge-offs181.3187%1,506
Earnings coverage of net charge-offs (x)10.0264%2,744
Efficiency ratio83.7456%1,201
Assets per employee ($millions)3.4964%4,844
Cash dividends to net income (ytd only)*5.7192%4,170
Condition Ratios (%)
Loss allowance to loans1.0060%4,570
Loan loss allowance to noncurrent loans249.8539%1,925
Noncurrent assets plus other real estate owned to assets1.1507%1,896
Noncurrent loans to loans0.4026%4,012
Net loans and leases to total assets66.4735%2,914
Net loans and leases to deposits74.1891%3,469
Net loans and leases to core deposits78.5189%3,491
Total domestic deposits to total assets89.6001%800
Equity capital to assets9.8931%4,078
Core capital (leverage) ratio8.9232%4,976
Tier 1 risk-based capital ratio12.7442%4,482
Total risk-based capital ratio13.6681%4,580
Memoranda:
Average total assets$643,033,0001,064
Average earning assets$576,294,0001,079
Average equity$60,951,0001,244
Average total loans$414,587,0001,104
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6785%4,484
Cost of funding earning assets0.3678%3,571
Net interest margin3.3107%4,297
Noninterest income to average assets1.3453%674
Noninterest expense to average assets3.6752%1,014
Loan and lease loss provision to assets0.1239%1,837
Net operating income to assets0.3520%5,308
Return on assets (ROA)0.4399%5,100
Pretax return on assets0.6367%4,878
Return on Equity (ROE)4.6912%4,760
Retained earnings to average equity (ytd only)4.6912%3,137
Net charge-offs to loans0.1100%2,023
Credit loss provision to net charge-offs176.4706%1,492
Earnings coverage of net charge-offs (x)9.0177%2,744
Efficiency ratio85.2596%1,061
Assets per employee ($millions)3.6490%4,521
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.0022%4,733
Loan loss allowance to noncurrent loans242.0105%1,917
Noncurrent assets plus other real estate owned to assets1.1036%2,146
Noncurrent loans to loans0.4141%4,122
Net loans and leases to total assets61.2764%3,697
Net loans and leases to deposits67.9109%4,196
Net loans and leases to core deposits76.4283%3,751
Total domestic deposits to total assets90.2306%492
Equity capital to assets9.2048%5,107
Core capital (leverage) ratio8.7177%5,331
Tier 1 risk-based capital ratio12.5668%4,707
Total risk-based capital ratio13.4762%4,844
Memoranda:
Average total assets$645,580,7501,069
Average earning assets$577,787,5001,088
Average equity$60,536,7501,263
Average total loans$411,997,0001,109
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6847%4,451
Cost of funding earning assets0.3746%3,556
Net interest margin3.3101%4,266
Noninterest income to average assets1.3260%698
Noninterest expense to average assets3.6705%1,026
Loan and lease loss provision to assets0.1177%1,884
Net operating income to assets0.3377%5,336
Return on assets (ROA)0.4518%5,067
Pretax return on assets0.6550%4,807
Return on Equity (ROE)4.7875%4,710
Retained earnings to average equity (ytd only)4.7875%2,999
Net charge-offs to loans0.1207%1,805
Credit loss provision to net charge-offs151.2097%1,524
Earnings coverage of net charge-offs (x)7.7984%2,628
Efficiency ratio85.7604%1,077
Assets per employee ($millions)3.4590%4,870
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.9774%4,979
Loan loss allowance to noncurrent loans335.1621%1,465
Noncurrent assets plus other real estate owned to assets1.0770%2,360
Noncurrent loans to loans0.2916%4,638
Net loans and leases to total assets63.8372%3,282
Net loans and leases to deposits70.9513%3,829
Net loans and leases to core deposits74.8712%3,872
Total domestic deposits to total assets89.9732%674
Equity capital to assets9.4745%4,682
Core capital (leverage) ratio8.6346%5,390
Tier 1 risk-based capital ratio12.5029%4,803
Total risk-based capital ratio13.3894%4,947
Memoranda:
Average total assets$636,966,0001,084
Average earning assets$568,023,6701,111
Average equity$60,114,6701,277
Average total loans$410,799,3301,118
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7014%4,356
Cost of funding earning assets0.3719%3,623
Net interest margin3.3295%4,096
Noninterest income to average assets1.4389%568
Noninterest expense to average assets3.6973%1,017
Loan and lease loss provision to assets0.0944%2,106
Net operating income to assets0.3937%5,091
Return on assets (ROA)0.6093%4,335
Pretax return on assets0.9429%3,728
Return on Equity (ROE)6.4687%3,788
Retained earnings to average equity (ytd only)6.4687%2,253
Net charge-offs to loans0.0956%1,764
Credit loss provision to net charge-offs153.0612%1,230
Earnings coverage of net charge-offs (x)11.4388%1,862
Efficiency ratio83.9314%1,392
Assets per employee ($millions)3.5844%4,751
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9653%5,194
Loan loss allowance to noncurrent loans315.5502%1,519
Noncurrent assets plus other real estate owned to assets1.3206%2,009
Noncurrent loans to loans0.3059%4,694
Net loans and leases to total assets61.5532%3,440
Net loans and leases to deposits68.1385%3,940
Net loans and leases to core deposits76.7005%3,521
Total domestic deposits to total assets90.3355%593
Equity capital to assets9.1760%5,118
Core capital (leverage) ratio8.9658%4,990
Tier 1 risk-based capital ratio13.0661%4,562
Total risk-based capital ratio13.9456%4,709
Memoranda:
Average total assets$635,490,5001,095
Average earning assets$565,739,0001,120
Average equity$59,857,5001,282
Average total loans$409,930,5001,118
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7137%4,740
Cost of funding earning assets0.3785%3,925
Net interest margin3.3352%4,457
Noninterest income to average assets1.3423%676
Noninterest expense to average assets3.9277%827
Loan and lease loss provision to assets0.2156%1,157
Net operating income to assets0.1484%5,883
Return on assets (ROA)0.1983%5,823
Pretax return on assets0.2322%5,818
Return on Equity (ROE)2.1257%5,739
Retained earnings to average equity (ytd only)2.1257%4,717
Net charge-offs to loans0.1727%2,301
Credit loss provision to net charge-offs197.0803%1,253
Earnings coverage of net charge-offs (x)3.5562%3,863
Efficiency ratio90.6115%807
Assets per employee ($millions)3.3412%5,197
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.9526%5,280
Loan loss allowance to noncurrent loans54.6995%4,965
Noncurrent assets plus other real estate owned to assets2.3870%980
Noncurrent loans to loans1.7415%1,665
Net loans and leases to total assets66.4055%2,821
Net loans and leases to deposits73.9219%3,448
Net loans and leases to core deposits78.1339%3,502
Total domestic deposits to total assets89.8320%807
Equity capital to assets9.6602%4,522
Core capital (leverage) ratio8.5458%5,505
Tier 1 risk-based capital ratio12.2806%5,171
Total risk-based capital ratio13.1517%5,337
Memoranda:
Average total assets$626,237,8001,063
Average earning assets$558,499,6001,090
Average equity$58,428,0001,251
Average total loans$396,657,0001,111
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6447%5,021
Cost of funding earning assets0.3770%4,056
Net interest margin3.2677%4,730
Noninterest income to average assets1.2955%726
Noninterest expense to average assets3.6589%1,198
Loan and lease loss provision to assets0.1323%1,897
Net operating income to assets0.3200%5,526
Return on assets (ROA)0.3596%5,477
Pretax return on assets0.4718%5,402
Return on Equity (ROE)3.8877%5,214
Retained earnings to average equity (ytd only)3.8877%3,884
Net charge-offs to loans0.1766%2,038
Credit loss provision to net charge-offs119.9616%1,918
Earnings coverage of net charge-offs (x)5.0058%3,338
Efficiency ratio86.3936%1,147
Assets per employee ($millions)3.6125%4,656
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.8199%5,827
Loan loss allowance to noncurrent loans31.7358%5,681
Noncurrent assets plus other real estate owned to assets2.3354%1,166
Noncurrent loans to loans2.5834%1,115
Net loans and leases to total assets61.1911%3,595
Net loans and leases to deposits67.5530%4,178
Net loans and leases to core deposits76.7622%3,662
Total domestic deposits to total assets90.5824%494
Equity capital to assets8.9834%5,370
Core capital (leverage) ratio8.6377%5,516
Tier 1 risk-based capital ratio12.6228%5,087
Total risk-based capital ratio13.3833%5,324
Memoranda:
Average total assets$629,935,7501,070
Average earning assets$562,005,7501,089
Average equity$58,268,2501,258
Average total loans$393,336,5001,118
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6443%5,028
Cost of funding earning assets0.3890%4,003
Net interest margin3.2553%4,758
Noninterest income to average assets1.3726%640
Noninterest expense to average assets3.7085%1,123
Loan and lease loss provision to assets0.1211%2,028
Net operating income to assets0.3399%5,433
Return on assets (ROA)0.3787%5,366
Pretax return on assets0.4981%5,279
Return on Equity (ROE)4.0522%5,124
Retained earnings to average equity (ytd only)4.0522%3,600
Net charge-offs to loans0.1797%1,957
Credit loss provision to net charge-offs107.4499%1,862
Earnings coverage of net charge-offs (x)5.0430%2,994
Efficiency ratio85.9903%1,271
Assets per employee ($millions)3.4281%5,000
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.8244%5,919
Loan loss allowance to noncurrent loans62.1385%4,744
Noncurrent assets plus other real estate owned to assets1.8605%1,750
Noncurrent loans to loans1.3267%2,594
Net loans and leases to total assets62.9727%3,242
Net loans and leases to deposits69.9291%3,833
Net loans and leases to core deposits73.7650%3,861
Total domestic deposits to total assets90.0521%781
Equity capital to assets9.4874%4,767
Core capital (leverage) ratio8.5957%5,536
Tier 1 risk-based capital ratio12.9066%4,969
Total risk-based capital ratio13.6734%5,198
Memoranda:
Average total assets$619,553,3301,086
Average earning assets$552,694,0001,101
Average equity$57,895,0001,263
Average total loans$388,492,6701,130
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7049%4,830
Cost of funding earning assets0.4139%3,825
Net interest margin3.2910%4,584
Noninterest income to average assets1.3016%660
Noninterest expense to average assets3.7546%1,050
Loan and lease loss provision to assets0.0972%2,305
Net operating income to assets0.2967%5,502
Return on assets (ROA)0.2967%5,544
Pretax return on assets0.3810%5,513
Return on Equity (ROE)3.2002%5,389
Retained earnings to average equity (ytd only)3.2002%4,203
Net charge-offs to loans0.1248%1,970
Credit loss provision to net charge-offs125.0000%1,406
Earnings coverage of net charge-offs (x)6.1500%2,268
Efficiency ratio87.9688%1,227
Assets per employee ($millions)3.4541%5,025
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.8504%6,002
Loan loss allowance to noncurrent loans165.9898%2,459
Noncurrent assets plus other real estate owned to assets1.4376%2,467
Noncurrent loans to loans0.5123%4,633
Net loans and leases to total assets60.9827%3,401
Net loans and leases to deposits67.5318%3,908
Net loans and leases to core deposits73.3987%3,714
Total domestic deposits to total assets90.3021%915
Equity capital to assets9.2367%4,832
Core capital (leverage) ratio8.4549%5,697
Tier 1 risk-based capital ratio12.9009%5,058
Total risk-based capital ratio13.6790%5,292
Memoranda:
Average total assets$617,374,0001,106
Average earning assets$549,867,5001,119
Average equity$57,246,0001,268
Average total loans$384,659,0001,146
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6181%5,363
Cost of funding earning assets0.5204%3,390
Net interest margin3.0977%5,323
Noninterest income to average assets1.5768%579
Noninterest expense to average assets3.7239%1,250
Loan and lease loss provision to assets0.3257%1,003
Net operating income to assets0.1964%5,829
Return on assets (ROA)0.2489%5,763
Pretax return on assets0.3287%5,650
Return on Equity (ROE)2.6238%5,642
Retained earnings to average equity (ytd only)-4.0909%6,324
Net charge-offs to loans0.8352%739
Credit loss provision to net charge-offs68.7395%3,339
Earnings coverage of net charge-offs (x)1.2353%4,656
Efficiency ratio85.7032%1,441
Assets per employee ($millions)3.3677%5,165
Cash dividends to net income (ytd only)*255.9181%51
Condition Ratios (%)
Loss allowance to loans0.8420%6,082
Loan loss allowance to noncurrent loans54.1625%5,087
Noncurrent assets plus other real estate owned to assets2.2174%1,612
Noncurrent loans to loans1.5546%2,565
Net loans and leases to total assets62.5946%3,276
Net loans and leases to deposits69.3789%3,860
Net loans and leases to core deposits73.6976%3,868
Total domestic deposits to total assets90.2215%957
Equity capital to assets9.3092%4,682
Core capital (leverage) ratio8.4152%5,759
Tier 1 risk-based capital ratio12.7613%5,138
Total risk-based capital ratio13.5311%5,368
Memoranda:
Average total assets$627,838,8001,064
Average earning assets$553,795,0001,095
Average equity$59,571,0001,210
Average total loans$356,222,2001,202
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5743%5,514
Cost of funding earning assets0.5380%3,377
Net interest margin3.0363%5,503
Noninterest income to average assets1.5426%615
Noninterest expense to average assets3.5643%1,469
Loan and lease loss provision to assets0.2186%1,664
Net operating income to assets0.2947%5,637
Return on assets (ROA)0.3569%5,544
Pretax return on assets0.5226%5,291
Return on Equity (ROE)3.7448%5,334
Retained earnings to average equity (ytd only)-5.1029%6,498
Net charge-offs to loans1.0733%527
Credit loss provision to net charge-offs36.9039%3,767
Earnings coverage of net charge-offs (x)1.0968%4,479
Efficiency ratio83.8603%1,618
Assets per employee ($millions)3.5682%4,718
Cash dividends to net income (ytd only)*236.2667%48
Condition Ratios (%)
Loss allowance to loans0.6575%6,489
Loan loss allowance to noncurrent loans191.6067%2,067
Noncurrent assets plus other real estate owned to assets1.5212%2,652
Noncurrent loans to loans0.3431%5,357
Net loans and leases to total assets54.5697%4,522
Net loans and leases to deposits59.9966%4,972
Net loans and leases to core deposits68.0468%4,520
Total domestic deposits to total assets90.9546%553
Equity capital to assets8.6145%5,607
Core capital (leverage) ratio8.3951%5,864
Tier 1 risk-based capital ratio13.2720%4,921
Total risk-based capital ratio13.8652%5,325
Memoranda:
Average total assets$632,411,2501,067
Average earning assets$556,404,5001,102
Average equity$60,277,7501,204
Average total loans$349,081,5001,223
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6038%5,419
Cost of funding earning assets0.5655%3,261
Net interest margin3.0383%5,475
Noninterest income to average assets1.5849%629
Noninterest expense to average assets3.6126%1,388
Loan and lease loss provision to assets0.2322%1,609
Net operating income to assets0.2755%5,691
Return on assets (ROA)0.3704%5,506
Pretax return on assets0.5473%5,210
Return on Equity (ROE)3.7578%5,311
Retained earnings to average equity (ytd only)3.7578%3,908
Net charge-offs to loans1.4701%363
Credit loss provision to net charge-offs28.5601%3,616
Earnings coverage of net charge-offs (x)0.7872%4,266
Efficiency ratio84.2268%1,604
Assets per employee ($millions)3.4685%4,918
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.6595%6,549
Loan loss allowance to noncurrent loans124.9471%2,924
Noncurrent assets plus other real estate owned to assets1.5796%2,742
Noncurrent loans to loans0.5278%4,942
Net loans and leases to total assets55.7982%4,329
Net loans and leases to deposits62.8024%4,651
Net loans and leases to core deposits67.3544%4,561
Total domestic deposits to total assets88.8473%1,710
Equity capital to assets9.4952%4,586
Core capital (leverage) ratio8.9663%5,051
Tier 1 risk-based capital ratio13.7894%4,576
Total risk-based capital ratio14.3609%5,004
Memoranda:
Average total assets$621,987,6701,077
Average earning assets$546,093,0001,119
Average equity$61,312,6701,190
Average total loans$343,920,0001,229
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6175%5,400
Cost of funding earning assets0.5740%3,341
Net interest margin3.0436%5,455
Noninterest income to average assets1.5267%661
Noninterest expense to average assets3.5851%1,448
Loan and lease loss provision to assets0.2131%1,739
Net operating income to assets0.3126%5,527
Return on assets (ROA)0.3121%5,655
Pretax return on assets0.4333%5,458
Return on Equity (ROE)3.1069%5,545
Retained earnings to average equity (ytd only)3.1069%4,413
Net charge-offs to loans0.5893%1,036
Credit loss provision to net charge-offs65.9274%2,345
Earnings coverage of net charge-offs (x)2.0020%3,165
Efficiency ratio83.9723%1,771
Assets per employee ($millions)3.4344%5,123
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1840%5,248
Loan loss allowance to noncurrent loans53.7697%4,990
Noncurrent assets plus other real estate owned to assets1.9587%2,396
Noncurrent loans to loans2.2020%2,384
Net loans and leases to total assets52.5543%4,617
Net loans and leases to deposits58.4880%4,977
Net loans and leases to core deposits65.4484%4,595
Total domestic deposits to total assets89.8547%1,134
Equity capital to assets9.7236%4,527
Core capital (leverage) ratio8.7960%5,194
Tier 1 risk-based capital ratio15.1409%3,745
Total risk-based capital ratio16.2163%3,826
Memoranda:
Average total assets$613,879,0001,105
Average earning assets$545,678,5001,133
Average equity$61,669,5001,195
Average total loans$336,644,5001,261
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8490%5,711
Cost of funding earning assets0.6350%4,050
Net interest margin3.2140%5,536
Noninterest income to average assets1.6146%608
Noninterest expense to average assets3.5947%1,623
Loan and lease loss provision to assets0.3187%2,145
Net operating income to assets0.3854%5,156
Return on assets (ROA)0.6148%4,433
Pretax return on assets0.9002%3,919
Return on Equity (ROE)5.4164%4,472
Retained earnings to average equity (ytd only)-11.6970%6,687
Net charge-offs to loans0.0811%4,860
Credit loss provision to net charge-offs737.4532%337
Earnings coverage of net charge-offs (x)20.3970%1,355
Efficiency ratio79.6073%2,194
Assets per employee ($millions)3.3094%5,401
Cash dividends to net income (ytd only)*315.9558%62
Condition Ratios (%)
Loss allowance to loans1.2434%4,911
Loan loss allowance to noncurrent loans33.0009%5,939
Noncurrent assets plus other real estate owned to assets2.8540%1,676
Noncurrent loans to loans3.7677%1,289
Net loans and leases to total assets55.9100%4,306
Net loans and leases to deposits62.8005%4,683
Net loans and leases to core deposits67.9138%4,542
Total domestic deposits to total assets89.0280%1,547
Equity capital to assets10.3915%3,653
Core capital (leverage) ratio8.7831%5,206
Tier 1 risk-based capital ratio14.9411%3,750
Total risk-based capital ratio16.0574%3,784
Memoranda:
Average total assets$617,742,6001,074
Average earning assets$550,039,4001,100
Average equity$70,120,6001,002
Average total loans$329,148,2001,279
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8987%5,791
Cost of funding earning assets0.6319%4,345
Net interest margin3.2668%5,493
Noninterest income to average assets1.5032%660
Noninterest expense to average assets3.3886%2,032
Loan and lease loss provision to assets0.1442%3,732
Net operating income to assets0.5810%4,474
Return on assets (ROA)0.8759%3,345
Pretax return on assets1.3331%2,483
Return on Equity (ROE)7.5650%3,496
Retained earnings to average equity (ytd only)7.0114%2,122
Net charge-offs to loans0.1209%4,166
Credit loss provision to net charge-offs227.2727%1,216
Earnings coverage of net charge-offs (x)16.2391%1,706
Efficiency ratio75.9863%2,683
Assets per employee ($millions)3.6407%4,679
Cash dividends to net income (ytd only)*7.3171%3,527
Condition Ratios (%)
Loss allowance to loans0.8745%6,447
Loan loss allowance to noncurrent loans44.9108%5,404
Noncurrent assets plus other real estate owned to assets1.6579%3,098
Noncurrent loans to loans1.9473%2,902
Net loans and leases to total assets50.0585%5,308
Net loans and leases to deposits56.8546%5,552
Net loans and leases to core deposits62.1187%5,346
Total domestic deposits to total assets88.0465%2,020
Equity capital to assets11.4250%2,823
Core capital (leverage) ratio10.6306%2,770
Tier 1 risk-based capital ratio18.1411%2,287
Total risk-based capital ratio18.9041%2,449
Memoranda:
Average total assets$624,081,2501,067
Average earning assets$557,026,2501,094
Average equity$72,261,250981
Average total loans$327,591,7501,300
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9687%5,737
Cost of funding earning assets0.6421%4,513
Net interest margin3.3266%5,364
Noninterest income to average assets1.5218%633
Noninterest expense to average assets3.4288%1,962
Loan and lease loss provision to assets0.1458%3,696
Net operating income to assets0.6214%4,271
Return on assets (ROA)0.6214%4,522
Pretax return on assets0.9182%4,013
Return on Equity (ROE)5.3421%4,649
Retained earnings to average equity (ytd only)4.5065%3,605
Net charge-offs to loans0.1048%4,124
Credit loss provision to net charge-offs261.6279%1,098
Earnings coverage of net charge-offs (x)19.0930%1,452
Efficiency ratio75.6256%2,803
Assets per employee ($millions)3.7861%4,349
Cash dividends to net income (ytd only)*15.6413%3,128
Condition Ratios (%)
Loss allowance to loans0.8227%6,630
Loan loss allowance to noncurrent loans45.6829%5,348
Noncurrent assets plus other real estate owned to assets1.6401%3,266
Noncurrent loans to loans1.8008%3,215
Net loans and leases to total assets51.1326%5,202
Net loans and leases to deposits58.0275%5,443
Net loans and leases to core deposits68.3736%4,744
Total domestic deposits to total assets88.1179%2,064
Equity capital to assets11.2136%2,881
Core capital (leverage) ratio10.4267%2,885
Tier 1 risk-based capital ratio17.1907%2,589
Total risk-based capital ratio17.9118%2,775
Memoranda:
Average total assets$617,304,3301,079
Average earning assets$551,308,6701,105
Average equity$71,807,000980
Average total loans$328,312,6701,296
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0512%5,602
Cost of funding earning assets0.6710%4,528
Net interest margin3.3802%5,196
Noninterest income to average assets1.5807%579
Noninterest expense to average assets3.4756%1,813
Loan and lease loss provision to assets0.1494%3,494
Net operating income to assets0.6522%4,112
Return on assets (ROA)0.6522%4,327
Pretax return on assets0.9737%3,778
Return on Equity (ROE)5.5006%4,546
Retained earnings to average equity (ytd only)5.5006%3,259
Net charge-offs to loans0.1745%3,048
Credit loss provision to net charge-offs158.4507%1,601
Earnings coverage of net charge-offs (x)11.9085%1,636
Efficiency ratio74.8845%2,962
Assets per employee ($millions)3.5125%5,096
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.7681%6,792
Loan loss allowance to noncurrent loans88.4842%3,388
Noncurrent assets plus other real estate owned to assets1.3420%3,879
Noncurrent loans to loans0.8681%4,933
Net loans and leases to total assets53.6155%4,786
Net loans and leases to deposits60.9818%5,045
Net loans and leases to core deposits69.9306%4,431
Total domestic deposits to total assets87.9205%2,374
Equity capital to assets11.6816%2,278
Core capital (leverage) ratio10.4525%2,807
Tier 1 risk-based capital ratio17.2002%2,604
Total risk-based capital ratio17.8776%2,813
Memoranda:
Average total assets$602,248,0001,106
Average earning assets$537,718,0001,137
Average equity$71,411,000978
Average total loans$325,575,5001,303
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1250%6,227
Cost of funding earning assets0.8430%4,524
Net interest margin3.2820%5,870
Noninterest income to average assets1.3217%739
Noninterest expense to average assets3.5703%1,805
Loan and lease loss provision to assets0.3840%2,689
Net operating income to assets0.2584%5,404
Return on assets (ROA)0.2725%5,514
Pretax return on assets0.3323%5,468
Return on Equity (ROE)2.3335%5,533
Retained earnings to average equity (ytd only)1.8668%4,883
Net charge-offs to loans1.1736%1,440
Credit loss provision to net charge-offs60.4860%5,158
Earnings coverage of net charge-offs (x)1.1014%4,960
Efficiency ratio82.8699%1,904
Assets per employee ($millions)3.3704%5,322
Cash dividends to net income (ytd only)*20.0000%3,531
Condition Ratios (%)
Loss allowance to loans0.7736%6,795
Loan loss allowance to noncurrent loans32.7234%6,030
Noncurrent assets plus other real estate owned to assets2.3536%2,570
Noncurrent loans to loans2.3640%2,773
Net loans and leases to total assets53.6724%5,090
Net loans and leases to deposits61.3506%5,331
Net loans and leases to core deposits69.4914%4,850
Total domestic deposits to total assets87.4847%2,479
Equity capital to assets12.0406%2,094
Core capital (leverage) ratio10.6031%2,616
Tier 1 risk-based capital ratio17.3444%2,444
Total risk-based capital ratio18.0158%2,674
Memoranda:
Average total assets$596,426,0001,102
Average earning assets$535,678,8001,117
Average equity$69,637,000963
Average total loans$322,587,2001,316
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0762%6,456
Cost of funding earning assets0.8766%4,572
Net interest margin3.1996%6,163
Noninterest income to average assets1.2141%893
Noninterest expense to average assets3.4015%2,183
Loan and lease loss provision to assets0.2597%3,423
Net operating income to assets0.3309%5,290
Return on assets (ROA)0.3482%5,391
Pretax return on assets0.4577%5,293
Return on Equity (ROE)3.0056%5,416
Retained earnings to average equity (ytd only)3.0056%4,548
Net charge-offs to loans0.3813%3,207
Credit loss provision to net charge-offs125.9459%2,544
Earnings coverage of net charge-offs (x)3.3687%3,467
Efficiency ratio82.2575%1,939
Assets per employee ($millions)3.5933%4,776
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.3028%4,997
Loan loss allowance to noncurrent loans28.1072%6,355
Noncurrent assets plus other real estate owned to assets3.2076%1,989
Noncurrent loans to loans4.6353%1,390
Net loans and leases to total assets50.6463%5,622
Net loans and leases to deposits57.3975%5,901
Net loans and leases to core deposits65.6485%5,452
Total domestic deposits to total assets88.2378%1,903
Equity capital to assets11.3088%2,859
Core capital (leverage) ratio10.6506%2,711
Tier 1 risk-based capital ratio17.1340%2,592
Total risk-based capital ratio18.2628%2,599
Memoranda:
Average total assets$598,079,5001,106
Average earning assets$538,723,7501,118
Average equity$69,292,000977
Average total loans$323,475,5001,318
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1637%6,358
Cost of funding earning assets0.9329%4,438
Net interest margin3.2307%6,063
Noninterest income to average assets1.2054%879
Noninterest expense to average assets3.4343%2,171
Loan and lease loss provision to assets0.2722%3,216
Net operating income to assets0.3162%5,303
Return on assets (ROA)0.3430%5,337
Pretax return on assets0.4450%5,246
Return on Equity (ROE)2.9351%5,418
Retained earnings to average equity (ytd only)2.9351%4,415
Net charge-offs to loans0.4090%2,916
Credit loss provision to net charge-offs120.8459%2,524
Earnings coverage of net charge-offs (x)3.0302%3,339
Efficiency ratio82.6281%2,004
Assets per employee ($millions)3.4553%5,067
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.2772%5,165
Loan loss allowance to noncurrent loans22.4718%6,633
Noncurrent assets plus other real estate owned to assets3.5154%1,872
Noncurrent loans to loans5.6834%1,090
Net loans and leases to total assets52.4383%5,507
Net loans and leases to deposits59.5778%5,768
Net loans and leases to core deposits65.7512%5,540
Total domestic deposits to total assets88.0164%2,123
Equity capital to assets11.5398%2,467
Core capital (leverage) ratio10.6800%2,540
Tier 1 risk-based capital ratio17.6723%2,277
Total risk-based capital ratio18.8191%2,284
Memoranda:
Average total assets$587,832,6701,136
Average earning assets$529,724,6701,150
Average equity$68,685,330984
Average total loans$323,741,3301,329
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2476%6,155
Cost of funding earning assets0.9721%4,404
Net interest margin3.2755%5,861
Noninterest income to average assets1.1777%928
Noninterest expense to average assets3.4897%2,026
Loan and lease loss provision to assets0.1553%4,081
Net operating income to assets0.3635%5,107
Return on assets (ROA)0.4149%4,972
Pretax return on assets0.5668%4,813
Return on Equity (ROE)3.5281%5,133
Retained earnings to average equity (ytd only)3.5281%4,072
Net charge-offs to loans0.7323%1,754
Credit loss provision to net charge-offs37.8151%3,988
Earnings coverage of net charge-offs (x)1.5866%3,521
Efficiency ratio83.4639%2,023
Assets per employee ($millions)3.4682%5,073
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1272%5,945
Loan loss allowance to noncurrent loans19.3809%6,792
Noncurrent assets plus other real estate owned to assets3.8154%1,765
Noncurrent loans to loans5.8161%1,108
Net loans and leases to total assets52.5416%5,511
Net loans and leases to deposits59.5904%5,762
Net loans and leases to core deposits64.3442%5,689
Total domestic deposits to total assets88.1713%2,278
Equity capital to assets11.3930%2,349
Core capital (leverage) ratio10.7925%2,360
Tier 1 risk-based capital ratio17.5306%2,278
Total risk-based capital ratio18.5347%2,352
Memoranda:
Average total assets$579,411,5001,159
Average earning assets$524,249,5001,169
Average equity$68,139,000986
Average total loans$325,020,5001,339
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7111%5,771
Cost of funding earning assets1.1384%4,918
Net interest margin3.5727%4,951
Noninterest income to average assets1.4027%740
Noninterest expense to average assets3.8472%1,396
Loan and lease loss provision to assets0.3623%3,945
Net operating income to assets0.3478%4,753
Return on assets (ROA)0.3479%4,911
Pretax return on assets0.4320%4,845
Return on Equity (ROE)2.9870%4,961
Retained earnings to average equity (ytd only)0.6397%5,258
Net charge-offs to loans0.8788%2,436
Credit loss provision to net charge-offs69.4626%5,877
Earnings coverage of net charge-offs (x)1.5226%4,605
Efficiency ratio82.1773%2,142
Assets per employee ($millions)3.1933%5,687
Cash dividends to net income (ytd only)*78.5855%906
Condition Ratios (%)
Loss allowance to loans1.1969%5,530
Loan loss allowance to noncurrent loans18.9366%6,853
Noncurrent assets plus other real estate owned to assets4.5119%1,483
Noncurrent loans to loans6.3203%966
Net loans and leases to total assets58.5575%4,947
Net loans and leases to deposits67.0660%5,243
Net loans and leases to core deposits73.0631%5,089
Total domestic deposits to total assets87.3132%2,658
Equity capital to assets12.1541%1,826
Core capital (leverage) ratio10.3423%2,732
Tier 1 risk-based capital ratio16.8782%2,396
Total risk-based capital ratio17.9557%2,424
Memoranda:
Average total assets$585,230,6001,148
Average earning assets$530,495,4001,150
Average equity$68,161,000986
Average total loans$347,304,6001,290
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7189%5,948
Cost of funding earning assets1.1593%5,091
Net interest margin3.5596%5,064
Noninterest income to average assets1.3474%744
Noninterest expense to average assets3.6965%1,573
Loan and lease loss provision to assets0.2456%4,633
Net operating income to assets0.4538%4,524
Return on assets (ROA)0.4539%4,712
Pretax return on assets0.6380%4,459
Return on Equity (ROE)3.9381%4,810
Retained earnings to average equity (ytd only)1.3974%5,247
Net charge-offs to loans0.8440%2,341
Credit loss provision to net charge-offs49.0108%5,901
Earnings coverage of net charge-offs (x)1.7630%4,392
Efficiency ratio79.9941%2,336
Assets per employee ($millions)3.6030%4,728
Cash dividends to net income (ytd only)*64.5161%1,081
Condition Ratios (%)
Loss allowance to loans1.1194%5,857
Loan loss allowance to noncurrent loans26.4687%6,552
Noncurrent assets plus other real estate owned to assets3.5063%2,034
Noncurrent loans to loans4.2292%1,724
Net loans and leases to total assets53.6233%5,899
Net loans and leases to deposits60.8525%6,236
Net loans and leases to core deposits64.7078%6,240
Total domestic deposits to total assets88.1201%1,889
Equity capital to assets11.1813%2,789
Core capital (leverage) ratio10.3849%2,816
Tier 1 risk-based capital ratio16.5222%2,550
Total risk-based capital ratio17.5205%2,600
Memoranda:
Average total assets$591,830,2501,142
Average earning assets$537,430,2501,145
Average equity$68,221,000979
Average total loans$351,330,2501,291
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8316%5,680
Cost of funding earning assets1.2009%5,131
Net interest margin3.6308%4,688
Noninterest income to average assets1.4554%598
Noninterest expense to average assets3.7268%1,506
Loan and lease loss provision to assets0.2970%4,014
Net operating income to assets0.5244%4,223
Return on assets (ROA)0.5246%4,376
Pretax return on assets0.7454%4,082
Return on Equity (ROE)4.5031%4,538
Retained earnings to average equity (ytd only)3.6190%3,794
Net charge-offs to loans0.9208%1,993
Credit loss provision to net charge-offs52.7118%5,360
Earnings coverage of net charge-offs (x)1.8495%4,132
Efficiency ratio77.4442%2,824
Assets per employee ($millions)3.5069%4,913
Cash dividends to net income (ytd only)*19.6335%2,903
Condition Ratios (%)
Loss allowance to loans1.1988%5,461
Loan loss allowance to noncurrent loans22.4352%6,819
Noncurrent assets plus other real estate owned to assets4.1920%1,609
Noncurrent loans to loans5.3435%1,251
Net loans and leases to total assets56.6218%5,607
Net loans and leases to deposits64.4176%5,984
Net loans and leases to core deposits67.9018%6,062
Total domestic deposits to total assets87.8980%2,054
Equity capital to assets11.5029%2,440
Core capital (leverage) ratio10.5421%2,593
Tier 1 risk-based capital ratio16.4370%2,500
Total risk-based capital ratio17.5163%2,519
Memoranda:
Average total assets$582,536,3301,169
Average earning assets$531,620,3301,157
Average equity$67,864,000979
Average total loans$356,416,3301,287
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0271%4,897
Cost of funding earning assets1.2479%5,122
Net interest margin3.7793%3,877
Noninterest income to average assets1.1924%857
Noninterest expense to average assets3.7403%1,433
Loan and lease loss provision to assets0.2962%3,664
Net operating income to assets0.4470%4,627
Return on assets (ROA)0.4460%4,763
Pretax return on assets0.6223%4,520
Return on Equity (ROE)3.8036%4,982
Retained earnings to average equity (ytd only)3.8036%3,862
Net charge-offs to loans0.6637%2,162
Credit loss provision to net charge-offs70.5980%4,087
Earnings coverage of net charge-offs (x)2.1927%3,441
Efficiency ratio79.5125%2,646
Assets per employee ($millions)3.4507%5,154
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3135%4,856
Loan loss allowance to noncurrent loans25.1693%6,727
Noncurrent assets plus other real estate owned to assets4.4695%1,516
Noncurrent loans to loans5.2188%1,372
Net loans and leases to total assets61.1576%4,914
Net loans and leases to deposits69.5469%5,402
Net loans and leases to core deposits73.1982%5,591
Total domestic deposits to total assets87.9372%2,102
Equity capital to assets11.6448%2,268
Core capital (leverage) ratio10.5008%2,620
Tier 1 risk-based capital ratio15.7181%2,768
Total risk-based capital ratio16.9124%2,746
Memoranda:
Average total assets$573,961,5001,213
Average earning assets$526,662,5001,208
Average equity$67,305,500989
Average total loans$362,788,0001,302
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2775%5,293
Cost of funding earning assets1.7265%4,373
Net interest margin3.5510%4,740
Noninterest income to average assets1.5387%603
Noninterest expense to average assets3.4481%2,532
Loan and lease loss provision to assets1.7898%1,270
Net operating income to assets-0.1549%5,770
Return on assets (ROA)-0.1592%5,778
Pretax return on assets-0.4207%5,938
Return on Equity (ROE)-1.3430%5,746
Retained earnings to average equity (ytd only)-2.2142%5,565
Net charge-offs to loans2.2708%1,034
Credit loss provision to net charge-offs115.3684%4,730
Earnings coverage of net charge-offs (x)0.8868%5,222
Efficiency ratio70.7301%4,488
Assets per employee ($millions)3.1567%5,839
Cash dividends to net income (ytd only)*-64.8649%7,846
Condition Ratios (%)
Loss allowance to loans1.3365%4,557
Loan loss allowance to noncurrent loans24.1861%6,847
Noncurrent assets plus other real estate owned to assets4.4914%1,431
Noncurrent loans to loans5.5260%1,162
Net loans and leases to total assets63.6071%4,677
Net loans and leases to deposits72.4069%5,272
Net loans and leases to core deposits88.4311%5,282
Total domestic deposits to total assets87.8468%2,046
Equity capital to assets11.8098%2,132
Core capital (leverage) ratio10.5577%2,547
Tier 1 risk-based capital ratio15.5053%2,714
Total risk-based capital ratio16.7262%2,681
Memoranda:
Average total assets$580,893,4001,186
Average earning assets$537,431,0001,176
Average equity$68,873,200955
Average total loans$396,862,6001,214
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3329%5,258
Cost of funding earning assets1.8117%4,334
Net interest margin3.5212%4,781
Noninterest income to average assets1.5544%617
Noninterest expense to average assets3.2295%3,192
Loan and lease loss provision to assets1.0957%1,784
Net operating income to assets0.3568%4,564
Return on assets (ROA)0.3525%4,684
Pretax return on assets0.4851%4,564
Return on Equity (ROE)2.9699%4,811
Retained earnings to average equity (ytd only)2.3929%3,984
Net charge-offs to loans1.4111%1,461
Credit loss provision to net charge-offs112.1233%4,524
Earnings coverage of net charge-offs (x)1.6237%4,579
Efficiency ratio66.3049%5,313
Assets per employee ($millions)3.3870%5,188
Cash dividends to net income (ytd only)*19.4300%3,262
Condition Ratios (%)
Loss allowance to loans1.0561%5,977
Loan loss allowance to noncurrent loans16.7040%7,255
Noncurrent assets plus other real estate owned to assets4.4817%1,368
Noncurrent loans to loans6.3222%923
Net loans and leases to total assets61.5906%5,312
Net loans and leases to deposits70.1171%5,901
Net loans and leases to core deposits84.7774%5,981
Total domestic deposits to total assets87.8397%1,728
Equity capital to assets11.4381%2,643
Core capital (leverage) ratio10.8971%2,479
Tier 1 risk-based capital ratio15.4478%2,852
Total risk-based capital ratio16.4221%2,909
Memoranda:
Average total assets$584,063,5001,194
Average earning assets$541,057,7501,180
Average equity$69,315,250956
Average total loans$404,498,2501,209
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4093%5,102
Cost of funding earning assets1.9170%4,180
Net interest margin3.4923%4,837
Noninterest income to average assets1.6974%510
Noninterest expense to average assets3.1790%3,396
Loan and lease loss provision to assets1.3492%1,282
Net operating income to assets0.3223%4,800
Return on assets (ROA)0.3203%4,923
Pretax return on assets0.3917%4,960
Return on Equity (ROE)2.6649%5,030
Retained earnings to average equity (ytd only)1.7959%4,343
Net charge-offs to loans1.8543%1,016
Credit loss provision to net charge-offs101.4132%4,504
Earnings coverage of net charge-offs (x)1.3104%4,542
Efficiency ratio63.8396%5,945
Assets per employee ($millions)3.2657%5,415
Cash dividends to net income (ytd only)*32.6087%2,742
Condition Ratios (%)
Loss allowance to loans0.8689%6,909
Loan loss allowance to noncurrent loans12.2842%7,449
Noncurrent assets plus other real estate owned to assets4.9098%1,096
Noncurrent loans to loans7.0733%680
Net loans and leases to total assets68.8096%3,995
Net loans and leases to deposits78.6342%4,758
Net loans and leases to core deposits96.4580%4,849
Total domestic deposits to total assets87.5060%2,015
Equity capital to assets11.7258%2,371
Core capital (leverage) ratio10.9176%2,472
Tier 1 risk-based capital ratio14.1968%3,401
Total risk-based capital ratio14.9972%3,591
Memoranda:
Average total assets$574,402,6701,232
Average earning assets$530,421,3301,222
Average equity$69,046,670967
Average total loans$412,128,0001,218
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5770%4,491
Cost of funding earning assets2.0314%3,980
Net interest margin3.5456%4,543
Noninterest income to average assets1.7595%442
Noninterest expense to average assets2.9658%3,909
Loan and lease loss provision to assets2.3849%491
Net operating income to assets-0.1957%6,548
Return on assets (ROA)-0.1957%6,634
Pretax return on assets-0.2968%6,672
Return on Equity (ROE)-1.6078%6,620
Retained earnings to average equity (ytd only)-1.6078%6,020
Net charge-offs to loans3.4650%354
Credit loss provision to net charge-offs94.3264%3,913
Earnings coverage of net charge-offs (x)0.8259%4,365
Efficiency ratio57.9558%6,709
Assets per employee ($millions)3.1454%5,751
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.8145%7,107
Loan loss allowance to noncurrent loans27.6334%6,713
Noncurrent assets plus other real estate owned to assets2.1262%2,711
Noncurrent loans to loans2.9476%2,216
Net loans and leases to total assets71.5463%3,337
Net loans and leases to deposits82.0086%4,283
Net loans and leases to core deposits105.0635%4,023
Total domestic deposits to total assets87.2423%2,099
Equity capital to assets12.1783%2,152
Core capital (leverage) ratio10.6785%2,759
Tier 1 risk-based capital ratio13.5523%3,832
Total risk-based capital ratio14.2716%4,091
Memoranda:
Average total assets$566,062,5001,255
Average earning assets$525,942,0001,235
Average equity$68,915,500975
Average total loans$413,048,5001,224
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0974%5,060
Cost of funding earning assets2.6732%3,299
Net interest margin3.4242%5,564
Noninterest income to average assets1.4633%661
Noninterest expense to average assets3.2705%3,071
Loan and lease loss provision to assets0.0800%6,395
Net operating income to assets0.8617%3,164
Return on assets (ROA)0.8650%3,001
Pretax return on assets1.2657%2,421
Return on Equity (ROE)7.2793%3,387
Retained earnings to average equity (ytd only)5.5579%1,739
Net charge-offs to loans0.1046%5,261
Credit loss provision to net charge-offs104.1667%5,130
Earnings coverage of net charge-offs (x)17.4514%1,770
Efficiency ratio70.1111%4,332
Assets per employee ($millions)3.3476%5,097
Cash dividends to net income (ytd only)*23.6480%4,327
Condition Ratios (%)
Loss allowance to loans0.8360%6,954
Loan loss allowance to noncurrent loans77.9529%4,204
Noncurrent assets plus other real estate owned to assets0.7914%4,876
Noncurrent loans to loans1.0725%4,425
Net loans and leases to total assets73.1778%3,320
Net loans and leases to deposits84.0042%4,422
Net loans and leases to core deposits112.1372%3,543
Total domestic deposits to total assets87.1121%1,884
Equity capital to assets12.1708%2,178
Core capital (leverage) ratio11.1985%2,430
Tier 1 risk-based capital ratio13.7421%3,674
Total risk-based capital ratio14.5129%3,868
Memoranda:
Average total assets$562,207,8001,202
Average earning assets$516,878,6001,198
Average equity$66,805,800998
Average total loans$413,157,4001,165