Home > The Peninsula Bank of Ishpeming > Performance and Condition Ratios
The Peninsula Bank of Ishpeming, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,784 |
| Cost of funding earning assets | 0.3459% | 4,384 |
| Net interest margin | 3.9115% | 2,192 |
| Noninterest income to average assets | 1.2632% | 758 |
| Noninterest expense to average assets | 4.2867% | 563 |
| Loan and lease loss provision to assets | 0.4530% | 344 |
| Net operating income to assets | -0.2434% | 6,287 |
| Return on assets (ROA) | -0.2423% | 6,288 |
| Pretax return on assets | -0.2349% | 6,267 |
| Return on Equity (ROE) | -1.7785% | 6,272 |
| Retained earnings to average equity (ytd only) | -2.9307% | 6,137 |
| Net charge-offs to loans | -0.0197% | 5,606 |
| Credit loss provision to net charge-offs | -3,909.0909% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1813% | 537 |
| Assets per employee ($millions) | 2.5794% | 6,168 |
| Cash dividends to net income (ytd only)* | -64.7818% | 6,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5928% | 581 |
| Loan loss allowance to noncurrent loans | 46.0257% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 4.6317% | 389 |
| Noncurrent loans to loans | 5.6335% | 277 |
| Net loans and leases to total assets | 57.4860% | 4,137 |
| Net loans and leases to deposits | 67.8667% | 4,141 |
| Net loans and leases to core deposits | 69.5213% | 4,372 |
| Total domestic deposits to total assets | 84.7044% | 3,455 |
| Equity capital to assets | 13.4046% | 1,227 |
| Core capital (leverage) ratio | 13.3999% | 1,031 |
| Tier 1 risk-based capital ratio | 22.4713% | 1,193 |
| Total risk-based capital ratio | 23.7380% | 1,171 |
| Memoranda: | ||
| Average total assets | $126,558,750 | 4,073 |
| Average earning assets | $104,851,250 | 4,331 |
| Average equity | $17,242,500 | 3,506 |
| Average total loans | $74,306,000 | 4,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,767 |
| Cost of funding earning assets | 0.3648% | 4,259 |
| Net interest margin | 3.8865% | 2,230 |
| Noninterest income to average assets | 1.8039% | 410 |
| Noninterest expense to average assets | 3.4451% | 1,583 |
| Loan and lease loss provision to assets | 0.5134% | 286 |
| Net operating income to assets | 0.8612% | 3,005 |
| Return on assets (ROA) | 0.8625% | 3,095 |
| Pretax return on assets | 1.0615% | 3,239 |
| Return on Equity (ROE) | 6.2966% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.5783% | 3,252 |
| Net charge-offs to loans | 0.1455% | 2,221 |
| Credit loss provision to net charge-offs | 601.8519% | 497 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,686 |
| Efficiency ratio | 68.6497% | 3,888 |
| Assets per employee ($millions) | 2.5375% | 6,265 |
| Cash dividends to net income (ytd only)* | 27.2894% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 833 |
| Loan loss allowance to noncurrent loans | 49.6622% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3278% | 459 |
| Noncurrent loans to loans | 4.7842% | 438 |
| Net loans and leases to total assets | 58.2937% | 3,953 |
| Net loans and leases to deposits | 69.3038% | 3,908 |
| Net loans and leases to core deposits | 71.0372% | 4,150 |
| Total domestic deposits to total assets | 84.1132% | 3,889 |
| Equity capital to assets | 14.2597% | 876 |
| Core capital (leverage) ratio | 13.5568% | 958 |
| Tier 1 risk-based capital ratio | 23.5854% | 1,035 |
| Total risk-based capital ratio | 24.8431% | 1,016 |
| Memoranda: | ||
| Average total assets | $126,615,330 | 4,100 |
| Average earning assets | $104,720,670 | 4,351 |
| Average equity | $17,342,670 | 3,491 |
| Average total loans | $74,211,330 | 4,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 3,062 |
| Cost of funding earning assets | 0.3755% | 4,245 |
| Net interest margin | 3.7780% | 2,564 |
| Noninterest income to average assets | 0.4790% | 3,570 |
| Noninterest expense to average assets | 3.4504% | 1,589 |
| Loan and lease loss provision to assets | 0.3288% | 552 |
| Net operating income to assets | -0.1022% | 6,285 |
| Return on assets (ROA) | -0.1002% | 6,293 |
| Pretax return on assets | -0.1785% | 6,333 |
| Return on Equity (ROE) | -0.7464% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.7464% | 5,688 |
| Net charge-offs to loans | 0.2965% | 1,176 |
| Credit loss provision to net charge-offs | 190.9091% | 1,080 |
| Earnings coverage of net charge-offs (x) | 0.8545% | 3,250 |
| Efficiency ratio | 95.9095% | 645 |
| Assets per employee ($millions) | 2.6756% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,320 |
| Loan loss allowance to noncurrent loans | 40.1196% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 4.4613% | 493 |
| Noncurrent loans to loans | 5.2405% | 402 |
| Net loans and leases to total assets | 54.8015% | 4,306 |
| Net loans and leases to deposits | 64.1720% | 4,298 |
| Net loans and leases to core deposits | 65.6665% | 4,525 |
| Total domestic deposits to total assets | 85.3979% | 3,675 |
| Equity capital to assets | 13.1072% | 1,259 |
| Core capital (leverage) ratio | 13.3048% | 1,035 |
| Tier 1 risk-based capital ratio | 22.7109% | 1,180 |
| Total risk-based capital ratio | 23.9706% | 1,162 |
| Memoranda: | ||
| Average total assets | $127,755,000 | 4,114 |
| Average earning assets | $105,451,500 | 4,376 |
| Average equity | $17,149,000 | 3,533 |
| Average total loans | $74,195,000 | 4,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,347 |
| Cost of funding earning assets | 0.4728% | 3,884 |
| Net interest margin | 3.9911% | 1,967 |
| Noninterest income to average assets | 0.5379% | 3,494 |
| Noninterest expense to average assets | 3.3199% | 2,092 |
| Loan and lease loss provision to assets | 0.4438% | 659 |
| Net operating income to assets | 0.1722% | 5,885 |
| Return on assets (ROA) | 0.1989% | 5,889 |
| Pretax return on assets | 0.0306% | 6,184 |
| Return on Equity (ROE) | 1.5662% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.2108% | 5,750 |
| Net charge-offs to loans | 1.3855% | 351 |
| Credit loss provision to net charge-offs | 52.9680% | 3,752 |
| Earnings coverage of net charge-offs (x) | 0.5342% | 4,901 |
| Efficiency ratio | 88.1194% | 1,201 |
| Assets per employee ($millions) | 2.4393% | 6,434 |
| Cash dividends to net income (ytd only)* | 86.5385% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 1,577 |
| Loan loss allowance to noncurrent loans | 33.7173% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.9202% | 486 |
| Noncurrent loans to loans | 5.9040% | 354 |
| Net loans and leases to total assets | 59.0864% | 3,860 |
| Net loans and leases to deposits | 69.8417% | 3,803 |
| Net loans and leases to core deposits | 72.1895% | 4,045 |
| Total domestic deposits to total assets | 84.6004% | 3,925 |
| Equity capital to assets | 13.7566% | 984 |
| Core capital (leverage) ratio | 13.5063% | 955 |
| Tier 1 risk-based capital ratio | 22.5113% | 1,175 |
| Total risk-based capital ratio | 23.7693% | 1,151 |
| Memoranda: | ||
| Average total assets | $130,695,800 | 4,056 |
| Average earning assets | $105,759,000 | 4,370 |
| Average equity | $16,600,200 | 3,615 |
| Average total loans | $79,031,800 | 3,967 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,331 |
| Cost of funding earning assets | 0.4956% | 3,807 |
| Net interest margin | 3.9785% | 2,012 |
| Noninterest income to average assets | 0.5050% | 3,768 |
| Noninterest expense to average assets | 3.2499% | 2,202 |
| Loan and lease loss provision to assets | 0.4839% | 573 |
| Net operating income to assets | 0.0010% | 6,296 |
| Return on assets (ROA) | 0.0353% | 6,298 |
| Pretax return on assets | 0.0181% | 6,305 |
| Return on Equity (ROE) | 0.2833% | 6,313 |
| Retained earnings to average equity (ytd only) | -0.9066% | 6,121 |
| Net charge-offs to loans | 0.4314% | 1,487 |
| Credit loss provision to net charge-offs | 185.3282% | 1,304 |
| Earnings coverage of net charge-offs (x) | 1.7915% | 4,238 |
| Efficiency ratio | 87.4187% | 1,223 |
| Assets per employee ($millions) | 2.5649% | 6,412 |
| Cash dividends to net income (ytd only)* | 419.9700% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9131% | 609 |
| Loan loss allowance to noncurrent loans | 34.6549% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 5.1523% | 531 |
| Noncurrent loans to loans | 8.4061% | 206 |
| Net loans and leases to total assets | 55.6970% | 4,363 |
| Net loans and leases to deposits | 65.0021% | 4,405 |
| Net loans and leases to core deposits | 67.1588% | 4,607 |
| Total domestic deposits to total assets | 85.6849% | 3,415 |
| Equity capital to assets | 12.0650% | 1,876 |
| Core capital (leverage) ratio | 12.3243% | 1,505 |
| Tier 1 risk-based capital ratio | 21.1026% | 1,476 |
| Total risk-based capital ratio | 22.3729% | 1,449 |
| Memoranda: | ||
| Average total assets | $132,268,250 | 4,067 |
| Average earning assets | $106,803,750 | 4,387 |
| Average equity | $16,471,750 | 3,674 |
| Average total loans | $80,039,750 | 3,970 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,045 |
| Cost of funding earning assets | 0.5137% | 3,768 |
| Net interest margin | 4.0309% | 1,759 |
| Noninterest income to average assets | 0.4913% | 3,892 |
| Noninterest expense to average assets | 3.2586% | 2,194 |
| Loan and lease loss provision to assets | 0.4094% | 749 |
| Net operating income to assets | 0.1213% | 6,083 |
| Return on assets (ROA) | 0.1729% | 6,084 |
| Pretax return on assets | 0.1228% | 6,197 |
| Return on Equity (ROE) | 1.3736% | 6,128 |
| Retained earnings to average equity (ytd only) | -0.3976% | 5,931 |
| Net charge-offs to loans | 0.5122% | 1,282 |
| Credit loss provision to net charge-offs | 129.8077% | 1,742 |
| Earnings coverage of net charge-offs (x) | 1.5240% | 4,026 |
| Efficiency ratio | 87.1452% | 1,308 |
| Assets per employee ($millions) | 2.6306% | 6,375 |
| Cash dividends to net income (ytd only)* | 128.9474% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 889 |
| Loan loss allowance to noncurrent loans | 36.3031% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 4.6445% | 691 |
| Noncurrent loans to loans | 7.1353% | 329 |
| Net loans and leases to total assets | 59.1815% | 3,799 |
| Net loans and leases to deposits | 69.2822% | 3,822 |
| Net loans and leases to core deposits | 71.6164% | 4,091 |
| Total domestic deposits to total assets | 85.4209% | 3,680 |
| Equity capital to assets | 12.4161% | 1,632 |
| Core capital (leverage) ratio | 12.3477% | 1,438 |
| Tier 1 risk-based capital ratio | 21.2710% | 1,429 |
| Total risk-based capital ratio | 22.5361% | 1,396 |
| Memoranda: | ||
| Average total assets | $131,898,670 | 4,104 |
| Average earning assets | $106,278,330 | 4,426 |
| Average equity | $16,598,330 | 3,687 |
| Average total loans | $81,214,330 | 3,949 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,935 |
| Cost of funding earning assets | 0.5348% | 3,729 |
| Net interest margin | 4.0298% | 1,680 |
| Noninterest income to average assets | 0.4633% | 4,032 |
| Noninterest expense to average assets | 3.1677% | 2,457 |
| Loan and lease loss provision to assets | 0.3028% | 1,134 |
| Net operating income to assets | 0.1999% | 5,896 |
| Return on assets (ROA) | 0.1999% | 6,003 |
| Pretax return on assets | 0.2332% | 6,012 |
| Return on Equity (ROE) | 1.5778% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.5778% | 5,195 |
| Net charge-offs to loans | 0.6840% | 897 |
| Credit loss provision to net charge-offs | 71.4286% | 2,271 |
| Earnings coverage of net charge-offs (x) | 1.2643% | 3,405 |
| Efficiency ratio | 85.5274% | 1,576 |
| Assets per employee ($millions) | 2.6629% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 1,162 |
| Loan loss allowance to noncurrent loans | 34.3695% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 4.5701% | 818 |
| Noncurrent loans to loans | 7.1628% | 400 |
| Net loans and leases to total assets | 58.5616% | 3,682 |
| Net loans and leases to deposits | 68.6811% | 3,681 |
| Net loans and leases to core deposits | 71.1725% | 3,936 |
| Total domestic deposits to total assets | 85.2659% | 3,917 |
| Equity capital to assets | 12.5177% | 1,702 |
| Core capital (leverage) ratio | 12.3620% | 1,396 |
| Tier 1 risk-based capital ratio | 20.7473% | 1,599 |
| Total risk-based capital ratio | 22.0130% | 1,569 |
| Memoranda: | ||
| Average total assets | $132,082,500 | 4,136 |
| Average earning assets | $106,208,500 | 4,469 |
| Average equity | $16,732,000 | 3,709 |
| Average total loans | $81,865,500 | 3,962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 1,486 |
| Cost of funding earning assets | 0.6883% | 3,584 |
| Net interest margin | 4.3383% | 1,311 |
| Noninterest income to average assets | 0.5688% | 3,455 |
| Noninterest expense to average assets | 3.0931% | 2,948 |
| Loan and lease loss provision to assets | 0.4083% | 1,584 |
| Net operating income to assets | 0.4659% | 4,818 |
| Return on assets (ROA) | 0.4659% | 5,066 |
| Pretax return on assets | 0.6198% | 4,930 |
| Return on Equity (ROE) | 3.8215% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.0334% | 4,796 |
| Net charge-offs to loans | 0.6192% | 1,894 |
| Credit loss provision to net charge-offs | 100.5386% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.5314% | 4,152 |
| Efficiency ratio | 75.0531% | 2,899 |
| Assets per employee ($millions) | 2.6204% | 6,522 |
| Cash dividends to net income (ytd only)* | 46.7919% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3965% | 1,233 |
| Loan loss allowance to noncurrent loans | 33.4555% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 4.8925% | 804 |
| Noncurrent loans to loans | 7.1631% | 438 |
| Net loans and leases to total assets | 62.4204% | 3,187 |
| Net loans and leases to deposits | 74.0222% | 3,084 |
| Net loans and leases to core deposits | 77.0453% | 3,396 |
| Total domestic deposits to total assets | 84.3266% | 4,171 |
| Equity capital to assets | 12.8204% | 1,535 |
| Core capital (leverage) ratio | 12.4882% | 1,322 |
| Tier 1 risk-based capital ratio | 20.1794% | 1,631 |
| Total risk-based capital ratio | 21.4439% | 1,605 |
| Memoranda: | ||
| Average total assets | $137,142,600 | 4,004 |
| Average earning assets | $112,301,400 | 4,283 |
| Average equity | $16,721,000 | 3,668 |
| Average total loans | $89,955,000 | 3,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 1,605 |
| Cost of funding earning assets | 0.7150% | 3,638 |
| Net interest margin | 4.3159% | 1,425 |
| Noninterest income to average assets | 0.5644% | 3,514 |
| Noninterest expense to average assets | 2.9748% | 3,326 |
| Loan and lease loss provision to assets | 0.4327% | 1,464 |
| Net operating income to assets | 0.4490% | 5,039 |
| Return on assets (ROA) | 0.4490% | 5,287 |
| Pretax return on assets | 0.7144% | 4,813 |
| Return on Equity (ROE) | 3.7280% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.5306% | 5,051 |
| Net charge-offs to loans | 0.2958% | 2,956 |
| Credit loss provision to net charge-offs | 221.6749% | 1,252 |
| Earnings coverage of net charge-offs (x) | 5.8769% | 2,905 |
| Efficiency ratio | 72.1717% | 3,292 |
| Assets per employee ($millions) | 2.8618% | 6,273 |
| Cash dividends to net income (ytd only)* | 32.1208% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5670% | 1,117 |
| Loan loss allowance to noncurrent loans | 52.5677% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.3951% | 1,485 |
| Noncurrent loans to loans | 4.8833% | 932 |
| Net loans and leases to total assets | 60.9541% | 3,580 |
| Net loans and leases to deposits | 71.7942% | 3,643 |
| Net loans and leases to core deposits | 74.5123% | 3,907 |
| Total domestic deposits to total assets | 84.9012% | 3,785 |
| Equity capital to assets | 11.9796% | 2,276 |
| Core capital (leverage) ratio | 12.1119% | 1,587 |
| Tier 1 risk-based capital ratio | 19.2107% | 1,945 |
| Total risk-based capital ratio | 20.4780% | 1,916 |
| Memoranda: | ||
| Average total assets | $138,673,750 | 4,013 |
| Average earning assets | $114,302,500 | 4,280 |
| Average equity | $16,702,000 | 3,704 |
| Average total loans | $91,496,250 | 3,745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 1,293 |
| Cost of funding earning assets | 0.7682% | 3,451 |
| Net interest margin | 4.4193% | 1,153 |
| Noninterest income to average assets | 0.5733% | 3,424 |
| Noninterest expense to average assets | 2.8910% | 3,659 |
| Loan and lease loss provision to assets | 0.4777% | 1,327 |
| Net operating income to assets | 0.5356% | 4,655 |
| Return on assets (ROA) | 0.5356% | 4,931 |
| Pretax return on assets | 0.8440% | 4,300 |
| Return on Equity (ROE) | 4.4392% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.6395% | 4,861 |
| Net charge-offs to loans | 0.3536% | 2,601 |
| Credit loss provision to net charge-offs | 201.2195% | 1,417 |
| Earnings coverage of net charge-offs (x) | 5.5671% | 2,808 |
| Efficiency ratio | 68.6254% | 4,015 |
| Assets per employee ($millions) | 3.0236% | 6,018 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 1,391 |
| Loan loss allowance to noncurrent loans | 80.3479% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.2931% | 2,442 |
| Noncurrent loans to loans | 3.0071% | 1,967 |
| Net loans and leases to total assets | 64.4432% | 2,947 |
| Net loans and leases to deposits | 76.1982% | 2,959 |
| Net loans and leases to core deposits | 80.1005% | 3,203 |
| Total domestic deposits to total assets | 84.5731% | 4,064 |
| Equity capital to assets | 12.2599% | 1,962 |
| Core capital (leverage) ratio | 11.9012% | 1,652 |
| Tier 1 risk-based capital ratio | 18.8583% | 2,006 |
| Total risk-based capital ratio | 20.1235% | 1,982 |
| Memoranda: | ||
| Average total assets | $138,155,000 | 4,044 |
| Average earning assets | $113,774,670 | 4,311 |
| Average equity | $16,669,670 | 3,706 |
| Average total loans | $92,752,330 | 3,736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 1,295 |
| Cost of funding earning assets | 0.8406% | 3,143 |
| Net interest margin | 4.3696% | 1,291 |
| Noninterest income to average assets | 0.5431% | 3,613 |
| Noninterest expense to average assets | 2.8908% | 3,661 |
| Loan and lease loss provision to assets | 0.4741% | 1,288 |
| Net operating income to assets | 0.5776% | 4,453 |
| Return on assets (ROA) | 0.5776% | 4,678 |
| Pretax return on assets | 0.7931% | 4,436 |
| Return on Equity (ROE) | 4.8248% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.8248% | 3,656 |
| Net charge-offs to loans | 0.6964% | 1,431 |
| Credit loss provision to net charge-offs | 100.6098% | 2,281 |
| Earnings coverage of net charge-offs (x) | 2.6890% | 3,110 |
| Efficiency ratio | 69.5232% | 3,897 |
| Assets per employee ($millions) | 2.8794% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1455% | 2,000 |
| Loan loss allowance to noncurrent loans | 188.7112% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 4,298 |
| Noncurrent loans to loans | 1.1369% | 4,438 |
| Net loans and leases to total assets | 64.8461% | 2,684 |
| Net loans and leases to deposits | 77.2508% | 2,642 |
| Net loans and leases to core deposits | 81.0180% | 2,947 |
| Total domestic deposits to total assets | 83.9423% | 4,521 |
| Equity capital to assets | 11.7704% | 2,203 |
| Core capital (leverage) ratio | 11.6809% | 1,783 |
| Tier 1 risk-based capital ratio | 18.1799% | 2,225 |
| Total risk-based capital ratio | 19.4421% | 2,198 |
| Memoranda: | ||
| Average total assets | $139,202,000 | 4,051 |
| Average earning assets | $115,160,000 | 4,306 |
| Average equity | $16,664,000 | 3,699 |
| Average total loans | $94,202,000 | 3,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 1,546 |
| Cost of funding earning assets | 0.9744% | 3,547 |
| Net interest margin | 4.3820% | 1,440 |
| Noninterest income to average assets | 0.6258% | 3,033 |
| Noninterest expense to average assets | 2.9775% | 3,678 |
| Loan and lease loss provision to assets | 0.7930% | 1,250 |
| Net operating income to assets | 0.3763% | 4,965 |
| Return on assets (ROA) | 0.3763% | 5,143 |
| Pretax return on assets | 0.5544% | 4,821 |
| Return on Equity (ROE) | 3.1514% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.3584% | 5,212 |
| Net charge-offs to loans | 0.6772% | 2,462 |
| Credit loss provision to net charge-offs | 165.6627% | 1,638 |
| Earnings coverage of net charge-offs (x) | 2.8148% | 3,806 |
| Efficiency ratio | 68.8448% | 4,181 |
| Assets per employee ($millions) | 2.9851% | 6,116 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 1,972 |
| Loan loss allowance to noncurrent loans | 142.9081% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 3,928 |
| Noncurrent loans to loans | 1.4783% | 3,935 |
| Net loans and leases to total assets | 67.6564% | 2,462 |
| Net loans and leases to deposits | 80.2656% | 2,474 |
| Net loans and leases to core deposits | 85.3509% | 2,713 |
| Total domestic deposits to total assets | 84.2906% | 4,193 |
| Equity capital to assets | 12.1773% | 1,992 |
| Core capital (leverage) ratio | 12.0180% | 1,583 |
| Tier 1 risk-based capital ratio | 17.8463% | 2,251 |
| Total risk-based capital ratio | 19.1081% | 2,215 |
| Memoranda: | ||
| Average total assets | $138,708,200 | 3,997 |
| Average earning assets | $117,093,600 | 4,207 |
| Average equity | $16,564,200 | 3,639 |
| Average total loans | $98,048,000 | 3,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 1,710 |
| Cost of funding earning assets | 1.0010% | 3,670 |
| Net interest margin | 4.3399% | 1,586 |
| Noninterest income to average assets | 0.6462% | 2,907 |
| Noninterest expense to average assets | 2.9551% | 3,726 |
| Loan and lease loss provision to assets | 0.8773% | 1,035 |
| Net operating income to assets | 0.3193% | 5,325 |
| Return on assets (ROA) | 0.3193% | 5,498 |
| Pretax return on assets | 0.4928% | 5,189 |
| Return on Equity (ROE) | 2.6868% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.4765% | 5,404 |
| Net charge-offs to loans | 0.6408% | 2,329 |
| Credit loss provision to net charge-offs | 192.6316% | 1,515 |
| Earnings coverage of net charge-offs (x) | 3.0084% | 3,631 |
| Efficiency ratio | 68.3219% | 4,255 |
| Assets per employee ($millions) | 2.9424% | 6,243 |
| Cash dividends to net income (ytd only)* | 45.0461% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 2,157 |
| Loan loss allowance to noncurrent loans | 149.4792% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 4,274 |
| Noncurrent loans to loans | 1.3820% | 4,222 |
| Net loans and leases to total assets | 67.4354% | 2,589 |
| Net loans and leases to deposits | 79.6596% | 2,695 |
| Net loans and leases to core deposits | 84.5264% | 2,980 |
| Total domestic deposits to total assets | 84.6544% | 3,939 |
| Equity capital to assets | 11.8131% | 2,402 |
| Core capital (leverage) ratio | 11.7504% | 1,857 |
| Tier 1 risk-based capital ratio | 16.9513% | 2,660 |
| Total risk-based capital ratio | 18.2119% | 2,624 |
| Memoranda: | ||
| Average total assets | $139,057,000 | 4,021 |
| Average earning assets | $117,880,250 | 4,205 |
| Average equity | $16,525,000 | 3,656 |
| Average total loans | $98,833,500 | 3,672 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 1,789 |
| Cost of funding earning assets | 1.0235% | 3,791 |
| Net interest margin | 4.3055% | 1,634 |
| Noninterest income to average assets | 0.8848% | 1,696 |
| Noninterest expense to average assets | 3.1432% | 3,105 |
| Loan and lease loss provision to assets | 1.1350% | 705 |
| Net operating income to assets | 0.1518% | 5,879 |
| Return on assets (ROA) | 0.1518% | 5,974 |
| Pretax return on assets | 0.2863% | 5,699 |
| Return on Equity (ROE) | 1.2749% | 6,010 |
| Retained earnings to average equity (ytd only) | -0.5464% | 5,975 |
| Net charge-offs to loans | 0.6884% | 2,120 |
| Credit loss provision to net charge-offs | 229.5322% | 1,313 |
| Earnings coverage of net charge-offs (x) | 2.8743% | 3,405 |
| Efficiency ratio | 68.8628% | 4,351 |
| Assets per employee ($millions) | 2.7793% | 6,504 |
| Cash dividends to net income (ytd only)* | 142.8571% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 2,232 |
| Loan loss allowance to noncurrent loans | 219.8907% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 4,950 |
| Noncurrent loans to loans | 0.9333% | 5,104 |
| Net loans and leases to total assets | 69.1035% | 2,394 |
| Net loans and leases to deposits | 82.9123% | 2,297 |
| Net loans and leases to core deposits | 86.9458% | 2,771 |
| Total domestic deposits to total assets | 83.3453% | 4,613 |
| Equity capital to assets | 11.7995% | 2,247 |
| Core capital (leverage) ratio | 11.6767% | 1,795 |
| Tier 1 risk-based capital ratio | 16.7152% | 2,644 |
| Total risk-based capital ratio | 17.9757% | 2,595 |
| Memoranda: | ||
| Average total assets | $138,331,670 | 4,059 |
| Average earning assets | $118,220,330 | 4,228 |
| Average equity | $16,472,000 | 3,657 |
| Average total loans | $99,361,330 | 3,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3110% | 1,833 |
| Cost of funding earning assets | 1.0481% | 3,863 |
| Net interest margin | 4.2628% | 1,693 |
| Noninterest income to average assets | 1.2462% | 816 |
| Noninterest expense to average assets | 3.2431% | 2,732 |
| Loan and lease loss provision to assets | 0.6521% | 1,326 |
| Net operating income to assets | 0.8086% | 2,985 |
| Return on assets (ROA) | 0.8086% | 3,049 |
| Pretax return on assets | 1.0405% | 2,987 |
| Return on Equity (ROE) | 6.7597% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.7597% | 2,254 |
| Net charge-offs to loans | 0.2160% | 3,222 |
| Credit loss provision to net charge-offs | 416.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 10.8148% | 1,607 |
| Efficiency ratio | 65.7076% | 5,082 |
| Assets per employee ($millions) | 2.9790% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 3,086 |
| Loan loss allowance to noncurrent loans | 203.2710% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2042% | 4,543 |
| Noncurrent loans to loans | 0.8735% | 5,296 |
| Net loans and leases to total assets | 68.7496% | 2,395 |
| Net loans and leases to deposits | 82.6375% | 2,247 |
| Net loans and leases to core deposits | 86.6228% | 2,786 |
| Total domestic deposits to total assets | 83.1942% | 4,854 |
| Equity capital to assets | 11.8998% | 1,982 |
| Core capital (leverage) ratio | 11.9415% | 1,594 |
| Tier 1 risk-based capital ratio | 16.9919% | 2,478 |
| Total risk-based capital ratio | 18.2482% | 2,451 |
| Memoranda: | ||
| Average total assets | $138,015,500 | 4,095 |
| Average earning assets | $119,451,000 | 4,230 |
| Average equity | $16,509,500 | 3,637 |
| Average total loans | $100,021,500 | 3,717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7219% | 1,492 |
| Cost of funding earning assets | 1.2031% | 4,546 |
| Net interest margin | 4.5188% | 1,187 |
| Noninterest income to average assets | 0.5744% | 3,632 |
| Noninterest expense to average assets | 3.2886% | 2,772 |
| Loan and lease loss provision to assets | 0.2908% | 4,468 |
| Net operating income to assets | 0.6936% | 3,255 |
| Return on assets (ROA) | 0.6936% | 3,386 |
| Pretax return on assets | 1.0121% | 2,890 |
| Return on Equity (ROE) | 5.8851% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.3874% | 4,205 |
| Net charge-offs to loans | 0.1919% | 5,149 |
| Credit loss provision to net charge-offs | 198.0198% | 1,595 |
| Earnings coverage of net charge-offs (x) | 8.8713% | 1,910 |
| Efficiency ratio | 71.6231% | 3,866 |
| Assets per employee ($millions) | 2.8940% | 6,343 |
| Cash dividends to net income (ytd only)* | 59.4340% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,829 |
| Loan loss allowance to noncurrent loans | 239.9083% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 4,126 |
| Noncurrent loans to loans | 0.6409% | 5,770 |
| Net loans and leases to total assets | 73.8693% | 1,685 |
| Net loans and leases to deposits | 88.9468% | 1,657 |
| Net loans and leases to core deposits | 93.2735% | 2,346 |
| Total domestic deposits to total assets | 83.0488% | 4,775 |
| Equity capital to assets | 12.0262% | 1,899 |
| Core capital (leverage) ratio | 11.8069% | 1,668 |
| Tier 1 risk-based capital ratio | 16.3484% | 2,595 |
| Total risk-based capital ratio | 17.6030% | 2,550 |
| Memoranda: | ||
| Average total assets | $137,537,800 | 4,104 |
| Average earning assets | $122,266,600 | 4,183 |
| Average equity | $16,210,400 | 3,717 |
| Average total loans | $105,284,000 | 3,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 1,703 |
| Cost of funding earning assets | 1.2342% | 4,663 |
| Net interest margin | 4.4690% | 1,327 |
| Noninterest income to average assets | 0.5501% | 3,787 |
| Noninterest expense to average assets | 3.1554% | 3,088 |
| Loan and lease loss provision to assets | 0.2610% | 4,495 |
| Net operating income to assets | 0.7647% | 3,161 |
| Return on assets (ROA) | 0.7647% | 3,313 |
| Pretax return on assets | 1.1243% | 2,753 |
| Return on Equity (ROE) | 6.5208% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.8391% | 3,092 |
| Net charge-offs to loans | 0.1546% | 5,075 |
| Credit loss provision to net charge-offs | 219.5122% | 1,571 |
| Earnings coverage of net charge-offs (x) | 11.6501% | 1,775 |
| Efficiency ratio | 69.4912% | 4,178 |
| Assets per employee ($millions) | 2.9721% | 6,220 |
| Cash dividends to net income (ytd only)* | 25.7898% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 4,233 |
| Loan loss allowance to noncurrent loans | 191.9090% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 4,016 |
| Noncurrent loans to loans | 0.7530% | 5,697 |
| Net loans and leases to total assets | 74.1086% | 1,779 |
| Net loans and leases to deposits | 89.3842% | 1,806 |
| Net loans and leases to core deposits | 95.3286% | 2,344 |
| Total domestic deposits to total assets | 82.9101% | 4,629 |
| Equity capital to assets | 11.8433% | 2,257 |
| Core capital (leverage) ratio | 11.9187% | 1,713 |
| Tier 1 risk-based capital ratio | 15.9377% | 2,790 |
| Total risk-based capital ratio | 17.1910% | 2,737 |
| Memoranda: | ||
| Average total assets | $137,917,250 | 4,149 |
| Average earning assets | $123,157,500 | 4,220 |
| Average equity | $16,173,500 | 3,774 |
| Average total loans | $106,093,500 | 3,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 1,643 |
| Cost of funding earning assets | 1.2939% | 4,578 |
| Net interest margin | 4.4380% | 1,356 |
| Noninterest income to average assets | 0.5432% | 3,763 |
| Noninterest expense to average assets | 3.1589% | 3,055 |
| Loan and lease loss provision to assets | 0.2330% | 4,585 |
| Net operating income to assets | 0.7617% | 3,142 |
| Return on assets (ROA) | 0.7617% | 3,295 |
| Pretax return on assets | 1.1127% | 2,744 |
| Return on Equity (ROE) | 6.5171% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,550 |
| Net charge-offs to loans | 0.1259% | 4,938 |
| Credit loss provision to net charge-offs | 238.8060% | 1,613 |
| Earnings coverage of net charge-offs (x) | 13.7910% | 1,566 |
| Efficiency ratio | 70.1261% | 4,171 |
| Assets per employee ($millions) | 2.8820% | 6,393 |
| Cash dividends to net income (ytd only)* | 39.0057% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,542 |
| Loan loss allowance to noncurrent loans | 287.0588% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 4,199 |
| Noncurrent loans to loans | 0.4800% | 6,291 |
| Net loans and leases to total assets | 77.3662% | 1,221 |
| Net loans and leases to deposits | 93.0931% | 1,383 |
| Net loans and leases to core deposits | 97.1250% | 2,317 |
| Total domestic deposits to total assets | 83.1062% | 4,528 |
| Equity capital to assets | 11.9784% | 2,110 |
| Core capital (leverage) ratio | 11.5825% | 1,864 |
| Tier 1 risk-based capital ratio | 15.5767% | 2,854 |
| Total risk-based capital ratio | 16.8290% | 2,825 |
| Memoranda: | ||
| Average total assets | $137,326,000 | 4,187 |
| Average earning assets | $122,576,670 | 4,254 |
| Average equity | $16,050,000 | 3,791 |
| Average total loans | $106,444,330 | 3,705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 1,766 |
| Cost of funding earning assets | 1.3436% | 4,538 |
| Net interest margin | 4.3594% | 1,508 |
| Noninterest income to average assets | 0.5207% | 3,888 |
| Noninterest expense to average assets | 3.0753% | 3,363 |
| Loan and lease loss provision to assets | 0.3182% | 3,507 |
| Net operating income to assets | 0.6828% | 3,512 |
| Return on assets (ROA) | 0.6828% | 3,630 |
| Pretax return on assets | 1.0039% | 3,084 |
| Return on Equity (ROE) | 5.9139% | 3,914 |
| Retained earnings to average equity (ytd only) | 5.9139% | 2,659 |
| Net charge-offs to loans | 0.2140% | 3,635 |
| Credit loss provision to net charge-offs | 192.9825% | 1,917 |
| Earnings coverage of net charge-offs (x) | 8.0175% | 1,999 |
| Efficiency ratio | 69.9342% | 4,312 |
| Assets per employee ($millions) | 2.9913% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,731 |
| Loan loss allowance to noncurrent loans | 231.5447% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 4,177 |
| Noncurrent loans to loans | 0.5791% | 6,145 |
| Net loans and leases to total assets | 74.5307% | 1,850 |
| Net loans and leases to deposits | 90.5941% | 1,818 |
| Net loans and leases to core deposits | 95.5735% | 2,631 |
| Total domestic deposits to total assets | 82.2689% | 4,946 |
| Equity capital to assets | 11.4881% | 2,375 |
| Core capital (leverage) ratio | 11.5212% | 1,896 |
| Tier 1 risk-based capital ratio | 15.3162% | 2,959 |
| Total risk-based capital ratio | 16.5674% | 2,911 |
| Memoranda: | ||
| Average total assets | $138,263,000 | 4,225 |
| Average earning assets | $122,952,000 | 4,303 |
| Average equity | $15,962,500 | 3,831 |
| Average total loans | $106,537,500 | 3,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 1,024 |
| Cost of funding earning assets | 1.6087% | 4,990 |
| Net interest margin | 4.6937% | 844 |
| Noninterest income to average assets | 0.5766% | 3,804 |
| Noninterest expense to average assets | 3.1551% | 3,525 |
| Loan and lease loss provision to assets | 0.5580% | 3,583 |
| Net operating income to assets | 0.7916% | 2,563 |
| Return on assets (ROA) | 0.7916% | 2,657 |
| Pretax return on assets | 1.0854% | 2,291 |
| Return on Equity (ROE) | 6.7757% | 2,881 |
| Retained earnings to average equity (ytd only) | 3.2032% | 2,916 |
| Net charge-offs to loans | 0.6926% | 3,110 |
| Credit loss provision to net charge-offs | 101.6260% | 5,439 |
| Earnings coverage of net charge-offs (x) | 2.9932% | 3,581 |
| Efficiency ratio | 65.7519% | 5,445 |
| Assets per employee ($millions) | 2.9552% | 6,335 |
| Cash dividends to net income (ytd only)* | 52.7256% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 4,856 |
| Loan loss allowance to noncurrent loans | 196.4183% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.7920% | 3,680 |
| Noncurrent loans to loans | 0.6531% | 5,928 |
| Net loans and leases to total assets | 77.6080% | 1,467 |
| Net loans and leases to deposits | 94.8621% | 1,483 |
| Net loans and leases to core deposits | 110.3940% | 2,851 |
| Total domestic deposits to total assets | 81.8114% | 5,029 |
| Equity capital to assets | 11.6039% | 2,245 |
| Core capital (leverage) ratio | 11.5718% | 1,879 |
| Tier 1 risk-based capital ratio | 14.9524% | 2,968 |
| Total risk-based capital ratio | 16.2035% | 2,916 |
| Memoranda: | ||
| Average total assets | $134,419,000 | 4,252 |
| Average earning assets | $120,906,400 | 4,291 |
| Average equity | $15,703,200 | 3,919 |
| Average total loans | $106,555,400 | 3,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3980% | 927 |
| Cost of funding earning assets | 1.6515% | 5,156 |
| Net interest margin | 4.7465% | 764 |
| Noninterest income to average assets | 0.5839% | 3,825 |
| Noninterest expense to average assets | 3.1343% | 3,521 |
| Loan and lease loss provision to assets | 0.5620% | 3,140 |
| Net operating income to assets | 0.8883% | 2,458 |
| Return on assets (ROA) | 0.8883% | 2,541 |
| Pretax return on assets | 1.1757% | 2,338 |
| Return on Equity (ROE) | 7.5907% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,008 |
| Net charge-offs to loans | 0.7588% | 2,462 |
| Credit loss provision to net charge-offs | 93.2343% | 5,398 |
| Earnings coverage of net charge-offs (x) | 2.8828% | 3,784 |
| Efficiency ratio | 64.3324% | 5,685 |
| Assets per employee ($millions) | 2.8153% | 6,622 |
| Cash dividends to net income (ytd only)* | 22.5081% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,866 |
| Loan loss allowance to noncurrent loans | 136.1570% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.9707% | 3,392 |
| Noncurrent loans to loans | 0.9147% | 5,463 |
| Net loans and leases to total assets | 77.3349% | 1,712 |
| Net loans and leases to deposits | 94.9234% | 1,725 |
| Net loans and leases to core deposits | 109.9405% | 3,246 |
| Total domestic deposits to total assets | 81.4708% | 4,891 |
| Equity capital to assets | 11.8698% | 2,311 |
| Core capital (leverage) ratio | 11.6362% | 1,999 |
| Tier 1 risk-based capital ratio | 15.3979% | 2,866 |
| Total risk-based capital ratio | 16.6482% | 2,811 |
| Memoranda: | ||
| Average total assets | $134,039,500 | 4,283 |
| Average earning assets | $121,097,250 | 4,316 |
| Average equity | $15,685,500 | 3,971 |
| Average total loans | $106,477,000 | 3,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5571% | 717 |
| Cost of funding earning assets | 1.7000% | 5,274 |
| Net interest margin | 4.8571% | 591 |
| Noninterest income to average assets | 0.5431% | 4,087 |
| Noninterest expense to average assets | 3.1419% | 3,531 |
| Loan and lease loss provision to assets | 0.4937% | 3,070 |
| Net operating income to assets | 0.9531% | 2,268 |
| Return on assets (ROA) | 0.9531% | 2,361 |
| Pretax return on assets | 1.3062% | 2,007 |
| Return on Equity (ROE) | 8.1838% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.6015% | 2,197 |
| Net charge-offs to loans | 0.6186% | 2,486 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.6455% | 3,358 |
| Efficiency ratio | 63.5786% | 5,989 |
| Assets per employee ($millions) | 2.8660% | 6,478 |
| Cash dividends to net income (ytd only)* | 31.5542% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,365 |
| Loan loss allowance to noncurrent loans | 91.1469% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 2.0675% | 3,106 |
| Noncurrent loans to loans | 1.4099% | 4,392 |
| Net loans and leases to total assets | 77.5013% | 1,863 |
| Net loans and leases to deposits | 95.0298% | 1,948 |
| Net loans and leases to core deposits | 110.7898% | 3,290 |
| Total domestic deposits to total assets | 81.5547% | 4,874 |
| Equity capital to assets | 11.5671% | 2,494 |
| Core capital (leverage) ratio | 11.5497% | 2,061 |
| Tier 1 risk-based capital ratio | 15.1731% | 2,949 |
| Total risk-based capital ratio | 16.4246% | 2,886 |
| Memoranda: | ||
| Average total assets | $133,675,000 | 4,312 |
| Average earning assets | $121,060,000 | 4,344 |
| Average equity | $15,567,330 | 4,006 |
| Average total loans | $106,695,000 | 3,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 666 |
| Cost of funding earning assets | 1.7673% | 5,278 |
| Net interest margin | 4.8624% | 537 |
| Noninterest income to average assets | 0.4686% | 4,602 |
| Noninterest expense to average assets | 3.0790% | 3,459 |
| Loan and lease loss provision to assets | 0.5557% | 2,257 |
| Net operating income to assets | 0.9162% | 2,630 |
| Return on assets (ROA) | 0.9162% | 2,772 |
| Pretax return on assets | 1.2556% | 2,430 |
| Return on Equity (ROE) | 7.8404% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.8404% | 1,878 |
| Net charge-offs to loans | 0.7129% | 1,759 |
| Credit loss provision to net charge-offs | 96.8586% | 3,864 |
| Earnings coverage of net charge-offs (x) | 3.1571% | 3,268 |
| Efficiency ratio | 62.9607% | 5,878 |
| Assets per employee ($millions) | 2.8758% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,340 |
| Loan loss allowance to noncurrent loans | 88.3812% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.0257% | 2,855 |
| Noncurrent loans to loans | 1.4261% | 4,164 |
| Net loans and leases to total assets | 78.4758% | 1,704 |
| Net loans and leases to deposits | 97.3432% | 1,762 |
| Net loans and leases to core deposits | 112.9929% | 3,105 |
| Total domestic deposits to total assets | 80.6176% | 5,127 |
| Equity capital to assets | 11.4646% | 2,611 |
| Core capital (leverage) ratio | 11.4671% | 2,166 |
| Tier 1 risk-based capital ratio | 15.0404% | 3,048 |
| Total risk-based capital ratio | 16.2914% | 2,989 |
| Memoranda: | ||
| Average total assets | $133,162,000 | 4,349 |
| Average earning assets | $121,091,500 | 4,356 |
| Average equity | $15,560,500 | 4,030 |
| Average total loans | $107,165,500 | 3,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1645% | 795 |
| Cost of funding earning assets | 2.3083% | 5,107 |
| Net interest margin | 4.8561% | 694 |
| Noninterest income to average assets | 0.5256% | 4,418 |
| Noninterest expense to average assets | 3.0987% | 3,698 |
| Loan and lease loss provision to assets | 0.4228% | 3,163 |
| Net operating income to assets | 1.0527% | 2,341 |
| Return on assets (ROA) | 1.0527% | 2,236 |
| Pretax return on assets | 1.4686% | 1,769 |
| Return on Equity (ROE) | 8.9711% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.2905% | 1,864 |
| Net charge-offs to loans | 0.5495% | 2,179 |
| Credit loss provision to net charge-offs | 96.3542% | 5,499 |
| Earnings coverage of net charge-offs (x) | 4.3108% | 4,033 |
| Efficiency ratio | 62.0974% | 5,934 |
| Assets per employee ($millions) | 2.7325% | 6,716 |
| Cash dividends to net income (ytd only)* | 41.0275% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,982 |
| Loan loss allowance to noncurrent loans | 64.8687% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.1432% | 2,292 |
| Noncurrent loans to loans | 1.9597% | 2,813 |
| Net loans and leases to total assets | 80.4719% | 1,558 |
| Net loans and leases to deposits | 99.6178% | 1,884 |
| Net loans and leases to core deposits | 115.4718% | 3,182 |
| Total domestic deposits to total assets | 80.7807% | 4,738 |
| Equity capital to assets | 11.9129% | 2,348 |
| Core capital (leverage) ratio | 11.9224% | 2,010 |
| Tier 1 risk-based capital ratio | 15.1829% | 2,966 |
| Total risk-based capital ratio | 16.4341% | 2,887 |
| Memoranda: | ||
| Average total assets | $131,282,000 | 4,250 |
| Average earning assets | $120,692,400 | 4,241 |
| Average equity | $15,405,000 | 4,055 |
| Average total loans | $104,823,200 | 3,830 |