Home > The Peoples Bank of Bullitt County > Performance and Condition Ratios
The Peoples Bank of Bullitt County, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,415 |
| Cost of funding earning assets | 0.5985% | 1,414 |
| Net interest margin | 2.6991% | 5,724 |
| Noninterest income to average assets | 0.9117% | 1,419 |
| Noninterest expense to average assets | 3.1995% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1983% | 5,682 |
| Return on assets (ROA) | 0.2443% | 5,662 |
| Pretax return on assets | 0.2911% | 5,653 |
| Return on Equity (ROE) | 1.9855% | 5,669 |
| Retained earnings to average equity (ytd only) | -0.7658% | 5,732 |
| Net charge-offs to loans | 0.1374% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.8689% | 2,986 |
| Efficiency ratio | 93.1199% | 518 |
| Assets per employee ($millions) | 4.4278% | 3,128 |
| Cash dividends to net income (ytd only)* | 138.5679% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8266% | 290 |
| Loan loss allowance to noncurrent loans | 34.8429% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 4.6018% | 238 |
| Noncurrent loans to loans | 8.1124% | 68 |
| Net loans and leases to total assets | 23.5564% | 6,102 |
| Net loans and leases to deposits | 27.1116% | 6,116 |
| Net loans and leases to core deposits | 27.3937% | 6,120 |
| Total domestic deposits to total assets | 86.8867% | 2,101 |
| Equity capital to assets | 12.5022% | 1,743 |
| Core capital (leverage) ratio | 12.2869% | 1,521 |
| Tier 1 risk-based capital ratio | 30.4674% | 497 |
| Total risk-based capital ratio | 31.7220% | 490 |
| Memoranda: | ||
| Average total assets | $236,319,500 | 2,625 |
| Average earning assets | $221,007,500 | 2,598 |
| Average equity | $29,077,250 | 2,401 |
| Average total loans | $59,182,500 | 4,447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 5,460 |
| Cost of funding earning assets | 0.6045% | 1,379 |
| Net interest margin | 2.6838% | 5,786 |
| Noninterest income to average assets | 0.7295% | 2,096 |
| Noninterest expense to average assets | 3.0177% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1717% | 5,762 |
| Return on assets (ROA) | 0.2356% | 5,688 |
| Pretax return on assets | 0.3014% | 5,657 |
| Return on Equity (ROE) | 1.9248% | 5,697 |
| Retained earnings to average equity (ytd only) | -0.8693% | 5,672 |
| Net charge-offs to loans | 0.2035% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.2623% | 3,070 |
| Efficiency ratio | 93.2186% | 560 |
| Assets per employee ($millions) | 4.4864% | 3,010 |
| Cash dividends to net income (ytd only)* | 145.1613% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7090% | 372 |
| Loan loss allowance to noncurrent loans | 36.8638% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 4.4226% | 269 |
| Noncurrent loans to loans | 7.3486% | 107 |
| Net loans and leases to total assets | 24.2875% | 6,154 |
| Net loans and leases to deposits | 27.6819% | 6,171 |
| Net loans and leases to core deposits | 27.9633% | 6,180 |
| Total domestic deposits to total assets | 87.7377% | 1,776 |
| Equity capital to assets | 11.8182% | 2,152 |
| Core capital (leverage) ratio | 12.1659% | 1,555 |
| Tier 1 risk-based capital ratio | 29.5598% | 565 |
| Total risk-based capital ratio | 30.8137% | 559 |
| Memoranda: | ||
| Average total assets | $236,869,000 | 2,642 |
| Average earning assets | $221,325,000 | 2,614 |
| Average equity | $28,990,000 | 2,418 |
| Average total loans | $59,947,330 | 4,463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2189% | 5,619 |
| Cost of funding earning assets | 0.6098% | 1,367 |
| Net interest margin | 2.6091% | 5,911 |
| Noninterest income to average assets | 0.4078% | 3,937 |
| Noninterest expense to average assets | 2.8086% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0332% | 5,976 |
| Return on assets (ROA) | 0.0389% | 6,012 |
| Pretax return on assets | 0.0457% | 6,001 |
| Return on Equity (ROE) | 0.3126% | 6,011 |
| Retained earnings to average equity (ytd only) | 0.0679% | 5,352 |
| Net charge-offs to loans | 0.4316% | 570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.3538% | 3,067 |
| Efficiency ratio | 98.6334% | 413 |
| Assets per employee ($millions) | 4.5135% | 3,038 |
| Cash dividends to net income (ytd only)* | 78.2609% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 409 |
| Loan loss allowance to noncurrent loans | 39.7325% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 4.2288% | 341 |
| Noncurrent loans to loans | 6.7825% | 136 |
| Net loans and leases to total assets | 24.2114% | 6,210 |
| Net loans and leases to deposits | 27.8014% | 6,222 |
| Net loans and leases to core deposits | 28.0844% | 6,231 |
| Total domestic deposits to total assets | 87.0869% | 2,322 |
| Equity capital to assets | 12.5611% | 1,654 |
| Core capital (leverage) ratio | 12.4531% | 1,381 |
| Tier 1 risk-based capital ratio | 30.0541% | 537 |
| Total risk-based capital ratio | 31.3079% | 532 |
| Memoranda: | ||
| Average total assets | $236,415,000 | 2,662 |
| Average earning assets | $221,071,000 | 2,635 |
| Average equity | $29,434,500 | 2,394 |
| Average total loans | $60,242,000 | 4,486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 4,355 |
| Cost of funding earning assets | 0.6490% | 1,412 |
| Net interest margin | 3.1899% | 4,957 |
| Noninterest income to average assets | 0.8251% | 1,776 |
| Noninterest expense to average assets | 3.1681% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4438% | 5,047 |
| Return on assets (ROA) | 0.7644% | 3,648 |
| Pretax return on assets | 1.0829% | 3,155 |
| Return on Equity (ROE) | 6.6164% | 3,831 |
| Retained earnings to average equity (ytd only) | 3.2817% | 3,895 |
| Net charge-offs to loans | 0.0628% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 34.4524% | 1,210 |
| Efficiency ratio | 83.3831% | 1,482 |
| Assets per employee ($millions) | 4.4078% | 3,176 |
| Cash dividends to net income (ytd only)* | 50.3995% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7377% | 407 |
| Loan loss allowance to noncurrent loans | 58.6231% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.8298% | 459 |
| Noncurrent loans to loans | 4.6700% | 343 |
| Net loans and leases to total assets | 25.3810% | 6,289 |
| Net loans and leases to deposits | 29.0775% | 6,305 |
| Net loans and leases to core deposits | 29.3799% | 6,318 |
| Total domestic deposits to total assets | 87.2873% | 2,132 |
| Equity capital to assets | 12.3369% | 1,745 |
| Core capital (leverage) ratio | 12.5967% | 1,308 |
| Tier 1 risk-based capital ratio | 30.9562% | 473 |
| Total risk-based capital ratio | 32.2122% | 462 |
| Memoranda: | ||
| Average total assets | $229,188,800 | 2,708 |
| Average earning assets | $213,704,000 | 2,671 |
| Average equity | $26,479,800 | 2,526 |
| Average total loans | $66,877,400 | 4,267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,791 |
| Cost of funding earning assets | 0.6549% | 1,425 |
| Net interest margin | 3.3373% | 4,481 |
| Noninterest income to average assets | 0.8611% | 1,658 |
| Noninterest expense to average assets | 3.1619% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5552% | 4,654 |
| Return on assets (ROA) | 1.2381% | 1,615 |
| Pretax return on assets | 1.8133% | 869 |
| Return on Equity (ROE) | 10.9055% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.3825% | 1,195 |
| Net charge-offs to loans | 0.0819% | 3,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 32.9516% | 1,291 |
| Efficiency ratio | 79.6261% | 1,973 |
| Assets per employee ($millions) | 4.2354% | 3,411 |
| Cash dividends to net income (ytd only)* | 23.1351% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6137% | 558 |
| Loan loss allowance to noncurrent loans | 57.1380% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.1026% | 466 |
| Noncurrent loans to loans | 4.5744% | 425 |
| Net loans and leases to total assets | 27.1903% | 6,334 |
| Net loans and leases to deposits | 31.2284% | 6,353 |
| Net loans and leases to core deposits | 31.5611% | 6,371 |
| Total domestic deposits to total assets | 87.0692% | 2,282 |
| Equity capital to assets | 12.1696% | 1,927 |
| Core capital (leverage) ratio | 12.9998% | 1,176 |
| Tier 1 risk-based capital ratio | 31.2410% | 468 |
| Total risk-based capital ratio | 32.4972% | 458 |
| Memoranda: | ||
| Average total assets | $228,082,000 | 2,732 |
| Average earning assets | $212,539,500 | 2,706 |
| Average equity | $25,894,500 | 2,590 |
| Average total loans | $68,356,000 | 4,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,429 |
| Cost of funding earning assets | 0.6541% | 1,479 |
| Net interest margin | 3.4259% | 4,078 |
| Noninterest income to average assets | 0.6899% | 2,329 |
| Noninterest expense to average assets | 3.0254% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6176% | 4,260 |
| Return on assets (ROA) | 0.6328% | 4,292 |
| Pretax return on assets | 0.8803% | 3,957 |
| Return on Equity (ROE) | 5.7113% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.0437% | 4,868 |
| Net charge-offs to loans | -0.0515% | 5,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8807% | 2,309 |
| Assets per employee ($millions) | 4.2486% | 3,372 |
| Cash dividends to net income (ytd only)* | 64.2164% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6614% | 561 |
| Loan loss allowance to noncurrent loans | 56.0636% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.0484% | 523 |
| Noncurrent loans to loans | 4.7472% | 444 |
| Net loans and leases to total assets | 27.5629% | 6,383 |
| Net loans and leases to deposits | 31.4157% | 6,402 |
| Net loans and leases to core deposits | 31.7466% | 6,418 |
| Total domestic deposits to total assets | 87.7362% | 2,066 |
| Equity capital to assets | 11.8118% | 2,143 |
| Core capital (leverage) ratio | 12.5064% | 1,389 |
| Tier 1 risk-based capital ratio | 28.3343% | 621 |
| Total risk-based capital ratio | 29.5899% | 606 |
| Memoranda: | ||
| Average total assets | $227,872,670 | 2,749 |
| Average earning assets | $212,497,000 | 2,713 |
| Average equity | $25,248,330 | 2,632 |
| Average total loans | $69,856,000 | 4,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 3,426 |
| Cost of funding earning assets | 0.6582% | 1,531 |
| Net interest margin | 3.4058% | 4,090 |
| Noninterest income to average assets | 0.3822% | 4,331 |
| Noninterest expense to average assets | 2.9010% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4821% | 4,777 |
| Return on assets (ROA) | 0.5126% | 4,703 |
| Pretax return on assets | 0.7134% | 4,446 |
| Return on Equity (ROE) | 4.7856% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.5029% | 4,029 |
| Net charge-offs to loans | -0.0996% | 6,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2130% | 2,029 |
| Assets per employee ($millions) | 4.1935% | 3,540 |
| Cash dividends to net income (ytd only)* | 26.8041% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 898 |
| Loan loss allowance to noncurrent loans | 22.7680% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 4.0868% | 566 |
| Noncurrent loans to loans | 10.5977% | 88 |
| Net loans and leases to total assets | 30.3186% | 6,342 |
| Net loans and leases to deposits | 34.2026% | 6,365 |
| Net loans and leases to core deposits | 34.6010% | 6,393 |
| Total domestic deposits to total assets | 88.6440% | 1,868 |
| Equity capital to assets | 10.9910% | 2,721 |
| Core capital (leverage) ratio | 12.6156% | 1,335 |
| Tier 1 risk-based capital ratio | 27.6397% | 665 |
| Total risk-based capital ratio | 28.8953% | 653 |
| Memoranda: | ||
| Average total assets | $227,097,000 | 2,763 |
| Average earning assets | $212,698,500 | 2,722 |
| Average equity | $24,323,000 | 2,719 |
| Average total loans | $72,301,500 | 4,190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 4,072 |
| Cost of funding earning assets | 0.6980% | 1,831 |
| Net interest margin | 3.3073% | 4,638 |
| Noninterest income to average assets | 0.3038% | 5,170 |
| Noninterest expense to average assets | 2.6969% | 4,110 |
| Loan and lease loss provision to assets | 0.1315% | 2,664 |
| Net operating income to assets | 0.4259% | 5,053 |
| Return on assets (ROA) | 0.5358% | 4,704 |
| Pretax return on assets | 0.7546% | 4,319 |
| Return on Equity (ROE) | 4.4401% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.3153% | 5,238 |
| Net charge-offs to loans | 3.1372% | 77 |
| Credit loss provision to net charge-offs | 12.0289% | 4,562 |
| Earnings coverage of net charge-offs (x) | 0.6688% | 4,862 |
| Efficiency ratio | 78.6673% | 2,366 |
| Assets per employee ($millions) | 4.0645% | 3,725 |
| Cash dividends to net income (ytd only)* | 70.3764% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3456% | 987 |
| Loan loss allowance to noncurrent loans | 21.3209% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 4.2858% | 595 |
| Noncurrent loans to loans | 11.0013% | 89 |
| Net loans and leases to total assets | 31.8654% | 6,391 |
| Net loans and leases to deposits | 35.6690% | 6,434 |
| Net loans and leases to core deposits | 36.0474% | 6,468 |
| Total domestic deposits to total assets | 89.3362% | 1,414 |
| Equity capital to assets | 10.4209% | 3,262 |
| Core capital (leverage) ratio | 12.6026% | 1,305 |
| Tier 1 risk-based capital ratio | 27.1589% | 665 |
| Total risk-based capital ratio | 28.4141% | 652 |
| Memoranda: | ||
| Average total assets | $228,075,600 | 2,737 |
| Average earning assets | $215,462,600 | 2,666 |
| Average equity | $27,522,200 | 2,417 |
| Average total loans | $79,498,800 | 3,950 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 4,059 |
| Cost of funding earning assets | 0.7050% | 1,918 |
| Net interest margin | 3.3139% | 4,589 |
| Noninterest income to average assets | 0.3362% | 5,006 |
| Noninterest expense to average assets | 2.5915% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6482% | 4,133 |
| Return on assets (ROA) | 0.7981% | 3,485 |
| Pretax return on assets | 1.0889% | 3,156 |
| Return on Equity (ROE) | 6.4009% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.1895% | 3,702 |
| Net charge-offs to loans | 0.1430% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.4593% | 1,732 |
| Efficiency ratio | 74.5732% | 2,970 |
| Assets per employee ($millions) | 4.1563% | 3,516 |
| Cash dividends to net income (ytd only)* | 34.5478% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8019% | 134 |
| Loan loss allowance to noncurrent loans | 35.1409% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 5.3841% | 492 |
| Noncurrent loans to loans | 13.6648% | 57 |
| Net loans and leases to total assets | 33.7161% | 6,374 |
| Net loans and leases to deposits | 38.7370% | 6,421 |
| Net loans and leases to core deposits | 39.1572% | 6,474 |
| Total domestic deposits to total assets | 87.0383% | 2,672 |
| Equity capital to assets | 12.4764% | 1,586 |
| Core capital (leverage) ratio | 12.8838% | 1,249 |
| Tier 1 risk-based capital ratio | 27.7505% | 650 |
| Total risk-based capital ratio | 29.0296% | 637 |
| Memoranda: | ||
| Average total assets | $229,207,000 | 2,746 |
| Average earning assets | $217,101,750 | 2,665 |
| Average equity | $28,578,750 | 2,364 |
| Average total loans | $81,137,000 | 3,934 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 4,219 |
| Cost of funding earning assets | 0.7133% | 1,975 |
| Net interest margin | 3.2575% | 4,744 |
| Noninterest income to average assets | 0.3579% | 4,829 |
| Noninterest expense to average assets | 2.5720% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6147% | 4,221 |
| Return on assets (ROA) | 0.8319% | 3,293 |
| Pretax return on assets | 1.1785% | 2,768 |
| Return on Equity (ROE) | 6.6734% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.5869% | 4,036 |
| Net charge-offs to loans | -0.0147% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6667% | 2,998 |
| Assets per employee ($millions) | 4.0782% | 3,628 |
| Cash dividends to net income (ytd only)* | 46.2500% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8525% | 130 |
| Loan loss allowance to noncurrent loans | 34.9696% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 5.4839% | 536 |
| Noncurrent loans to loans | 13.8763% | 67 |
| Net loans and leases to total assets | 33.5790% | 6,434 |
| Net loans and leases to deposits | 38.4176% | 6,469 |
| Net loans and leases to core deposits | 38.8253% | 6,512 |
| Total domestic deposits to total assets | 87.4051% | 2,588 |
| Equity capital to assets | 12.2135% | 1,767 |
| Core capital (leverage) ratio | 12.6646% | 1,304 |
| Tier 1 risk-based capital ratio | 27.0713% | 686 |
| Total risk-based capital ratio | 28.3517% | 675 |
| Memoranda: | ||
| Average total assets | $230,796,330 | 2,731 |
| Average earning assets | $218,697,330 | 2,654 |
| Average equity | $28,771,000 | 2,359 |
| Average total loans | $81,686,330 | 3,935 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 4,266 |
| Cost of funding earning assets | 0.7205% | 2,057 |
| Net interest margin | 3.2395% | 4,762 |
| Noninterest income to average assets | 0.4155% | 4,343 |
| Noninterest expense to average assets | 2.5051% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8344% | 2,989 |
| Return on assets (ROA) | 0.9414% | 2,614 |
| Pretax return on assets | 1.1138% | 2,900 |
| Return on Equity (ROE) | 7.4769% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.4769% | 1,950 |
| Net charge-offs to loans | -0.0292% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7177% | 3,672 |
| Assets per employee ($millions) | 4.1643% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7511% | 158 |
| Loan loss allowance to noncurrent loans | 34.4885% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 5.3585% | 648 |
| Noncurrent loans to loans | 13.7760% | 98 |
| Net loans and leases to total assets | 33.6218% | 6,435 |
| Net loans and leases to deposits | 38.9971% | 6,463 |
| Net loans and leases to core deposits | 39.4079% | 6,507 |
| Total domestic deposits to total assets | 86.2161% | 3,405 |
| Equity capital to assets | 12.5982% | 1,653 |
| Core capital (leverage) ratio | 12.7108% | 1,245 |
| Tier 1 risk-based capital ratio | 26.9932% | 709 |
| Total risk-based capital ratio | 28.2732% | 688 |
| Memoranda: | ||
| Average total assets | $232,005,500 | 2,756 |
| Average earning assets | $220,403,500 | 2,664 |
| Average equity | $29,210,000 | 2,354 |
| Average total loans | $82,230,500 | 3,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 4,417 |
| Cost of funding earning assets | 0.9269% | 1,773 |
| Net interest margin | 3.3187% | 5,190 |
| Noninterest income to average assets | 0.3459% | 4,990 |
| Noninterest expense to average assets | 2.8523% | 3,836 |
| Loan and lease loss provision to assets | 1.0173% | 397 |
| Net operating income to assets | -0.1951% | 6,375 |
| Return on assets (ROA) | -0.1747% | 6,429 |
| Pretax return on assets | -0.3375% | 6,498 |
| Return on Equity (ROE) | -1.3049% | 6,408 |
| Retained earnings to average equity (ytd only) | -4.7603% | 6,411 |
| Net charge-offs to loans | 0.1482% | 4,209 |
| Credit loss provision to net charge-offs | 1,811.0236% | 129 |
| Earnings coverage of net charge-offs (x) | 11.5354% | 2,019 |
| Efficiency ratio | 81.4885% | 1,948 |
| Assets per employee ($millions) | 4.1966% | 3,556 |
| Cash dividends to net income (ytd only)* | -264.8101% | 7,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7538% | 155 |
| Loan loss allowance to noncurrent loans | 32.8289% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 5.6544% | 650 |
| Noncurrent loans to loans | 14.4807% | 84 |
| Net loans and leases to total assets | 33.8974% | 6,550 |
| Net loans and leases to deposits | 39.9063% | 6,556 |
| Net loans and leases to core deposits | 40.3394% | 6,602 |
| Total domestic deposits to total assets | 84.9427% | 3,889 |
| Equity capital to assets | 12.5822% | 1,647 |
| Core capital (leverage) ratio | 12.0984% | 1,517 |
| Tier 1 risk-based capital ratio | 26.7371% | 711 |
| Total risk-based capital ratio | 28.0173% | 699 |
| Memoranda: | ||
| Average total assets | $226,098,000 | 2,773 |
| Average earning assets | $214,902,200 | 2,680 |
| Average equity | $30,271,400 | 2,232 |
| Average total loans | $85,673,000 | 3,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 4,189 |
| Cost of funding earning assets | 0.9560% | 1,819 |
| Net interest margin | 3.4079% | 5,009 |
| Noninterest income to average assets | 0.3331% | 5,138 |
| Noninterest expense to average assets | 2.6747% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7260% | 3,792 |
| Return on assets (ROA) | 0.7605% | 3,895 |
| Pretax return on assets | 0.9384% | 3,964 |
| Return on Equity (ROE) | 5.5941% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.7033% | 4,933 |
| Net charge-offs to loans | 0.0739% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 31.4784% | 1,061 |
| Efficiency ratio | 74.9128% | 2,839 |
| Assets per employee ($millions) | 4.1926% | 3,490 |
| Cash dividends to net income (ytd only)* | 51.6760% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,128 |
| Loan loss allowance to noncurrent loans | 14.6918% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 5.3891% | 800 |
| Noncurrent loans to loans | 13.7046% | 115 |
| Net loans and leases to total assets | 34.9260% | 6,616 |
| Net loans and leases to deposits | 42.6463% | 6,567 |
| Net loans and leases to core deposits | 43.1546% | 6,626 |
| Total domestic deposits to total assets | 81.8969% | 5,058 |
| Equity capital to assets | 13.3099% | 1,431 |
| Core capital (leverage) ratio | 12.9621% | 1,204 |
| Tier 1 risk-based capital ratio | 28.0700% | 654 |
| Total risk-based capital ratio | 29.3242% | 638 |
| Memoranda: | ||
| Average total assets | $224,919,750 | 2,805 |
| Average earning assets | $213,656,000 | 2,713 |
| Average equity | $30,579,000 | 2,239 |
| Average total loans | $86,555,250 | 3,872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,954 |
| Cost of funding earning assets | 1.0137% | 1,685 |
| Net interest margin | 3.4430% | 4,909 |
| Noninterest income to average assets | 0.3276% | 5,208 |
| Noninterest expense to average assets | 2.6648% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6735% | 4,005 |
| Return on assets (ROA) | 0.7021% | 4,122 |
| Pretax return on assets | 0.9728% | 3,811 |
| Return on Equity (ROE) | 5.1260% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.9356% | 5,696 |
| Net charge-offs to loans | 0.0526% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 44.9565% | 800 |
| Efficiency ratio | 74.0657% | 3,063 |
| Assets per employee ($millions) | 3.9825% | 3,912 |
| Cash dividends to net income (ytd only)* | 81.7481% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 2,198 |
| Loan loss allowance to noncurrent loans | 15.0493% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 5.3661% | 850 |
| Noncurrent loans to loans | 13.3658% | 130 |
| Net loans and leases to total assets | 36.6756% | 6,571 |
| Net loans and leases to deposits | 42.6585% | 6,617 |
| Net loans and leases to core deposits | 43.3411% | 6,687 |
| Total domestic deposits to total assets | 85.9750% | 3,364 |
| Equity capital to assets | 13.5303% | 1,290 |
| Core capital (leverage) ratio | 13.2521% | 1,069 |
| Tier 1 risk-based capital ratio | 27.6458% | 677 |
| Total risk-based capital ratio | 28.8999% | 664 |
| Memoranda: | ||
| Average total assets | $221,630,330 | 2,851 |
| Average earning assets | $210,512,670 | 2,754 |
| Average equity | $30,355,330 | 2,239 |
| Average total loans | $87,511,330 | 3,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 3,177 |
| Cost of funding earning assets | 1.0298% | 1,814 |
| Net interest margin | 3.6379% | 4,093 |
| Noninterest income to average assets | 0.3014% | 5,466 |
| Noninterest expense to average assets | 2.7057% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8660% | 3,072 |
| Return on assets (ROA) | 0.8660% | 3,303 |
| Pretax return on assets | 1.0487% | 3,505 |
| Return on Equity (ROE) | 6.2831% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.9427% | 4,780 |
| Net charge-offs to loans | 0.0135% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 191.3333% | 188 |
| Efficiency ratio | 72.0681% | 3,428 |
| Assets per employee ($millions) | 3.9824% | 4,055 |
| Cash dividends to net income (ytd only)* | 53.1646% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,389 |
| Loan loss allowance to noncurrent loans | 15.2793% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 5.4562% | 908 |
| Noncurrent loans to loans | 13.0153% | 164 |
| Net loans and leases to total assets | 38.2108% | 6,479 |
| Net loans and leases to deposits | 44.4611% | 6,533 |
| Net loans and leases to core deposits | 45.1856% | 6,613 |
| Total domestic deposits to total assets | 85.9421% | 3,558 |
| Equity capital to assets | 13.5615% | 1,213 |
| Core capital (leverage) ratio | 13.7775% | 861 |
| Tier 1 risk-based capital ratio | 27.4672% | 688 |
| Total risk-based capital ratio | 28.7219% | 668 |
| Memoranda: | ||
| Average total assets | $218,945,000 | 2,907 |
| Average earning assets | $207,813,000 | 2,800 |
| Average equity | $30,176,000 | 2,251 |
| Average total loans | $88,785,500 | 3,858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 2,452 |
| Cost of funding earning assets | 1.2645% | 1,657 |
| Net interest margin | 3.8369% | 3,638 |
| Noninterest income to average assets | 0.4075% | 4,558 |
| Noninterest expense to average assets | 2.8934% | 3,983 |
| Loan and lease loss provision to assets | 0.2825% | 3,409 |
| Net operating income to assets | 0.6272% | 3,846 |
| Return on assets (ROA) | 0.6951% | 3,700 |
| Pretax return on assets | 0.9579% | 3,403 |
| Return on Equity (ROE) | 5.1289% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.8009% | 4,928 |
| Net charge-offs to loans | 0.6048% | 2,638 |
| Credit loss provision to net charge-offs | 106.1962% | 3,204 |
| Earnings coverage of net charge-offs (x) | 4.3133% | 3,169 |
| Efficiency ratio | 71.6034% | 3,659 |
| Assets per employee ($millions) | 3.8371% | 4,236 |
| Cash dividends to net income (ytd only)* | 64.8880% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,534 |
| Loan loss allowance to noncurrent loans | 14.9723% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 5.4445% | 946 |
| Noncurrent loans to loans | 12.7644% | 187 |
| Net loans and leases to total assets | 41.3702% | 6,438 |
| Net loans and leases to deposits | 48.3259% | 6,477 |
| Net loans and leases to core deposits | 49.1442% | 6,577 |
| Total domestic deposits to total assets | 85.6066% | 3,530 |
| Equity capital to assets | 14.0117% | 1,054 |
| Core capital (leverage) ratio | 13.5008% | 964 |
| Tier 1 risk-based capital ratio | 27.1655% | 701 |
| Total risk-based capital ratio | 28.4193% | 671 |
| Memoranda: | ||
| Average total assets | $218,392,400 | 2,856 |
| Average earning assets | $206,807,200 | 2,767 |
| Average equity | $29,596,800 | 2,222 |
| Average total loans | $96,070,000 | 3,725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 2,273 |
| Cost of funding earning assets | 1.2714% | 1,854 |
| Net interest margin | 3.9114% | 3,331 |
| Noninterest income to average assets | 0.3630% | 4,966 |
| Noninterest expense to average assets | 2.6943% | 4,750 |
| Loan and lease loss provision to assets | 0.3752% | 2,604 |
| Net operating income to assets | 0.6596% | 3,827 |
| Return on assets (ROA) | 0.7078% | 3,740 |
| Pretax return on assets | 1.0665% | 3,145 |
| Return on Equity (ROE) | 5.2664% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.8368% | 4,654 |
| Net charge-offs to loans | 0.0383% | 5,612 |
| Credit loss provision to net charge-offs | 2,203.5714% | 124 |
| Earnings coverage of net charge-offs (x) | 80.3981% | 439 |
| Efficiency ratio | 66.3125% | 4,663 |
| Assets per employee ($millions) | 3.7454% | 4,420 |
| Cash dividends to net income (ytd only)* | 46.1339% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 1,503 |
| Loan loss allowance to noncurrent loans | 24.6255% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 4.5775% | 1,303 |
| Noncurrent loans to loans | 9.8372% | 363 |
| Net loans and leases to total assets | 42.3691% | 6,478 |
| Net loans and leases to deposits | 51.8529% | 6,379 |
| Net loans and leases to core deposits | 52.7634% | 6,520 |
| Total domestic deposits to total assets | 81.7102% | 5,194 |
| Equity capital to assets | 13.9346% | 1,180 |
| Core capital (leverage) ratio | 13.5421% | 1,029 |
| Tier 1 risk-based capital ratio | 26.4128% | 797 |
| Total risk-based capital ratio | 27.6724% | 771 |
| Memoranda: | ||
| Average total assets | $219,271,250 | 2,847 |
| Average earning assets | $207,424,250 | 2,762 |
| Average equity | $29,469,000 | 2,228 |
| Average total loans | $97,430,750 | 3,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 2,237 |
| Cost of funding earning assets | 1.2861% | 2,028 |
| Net interest margin | 3.9189% | 3,219 |
| Noninterest income to average assets | 0.3546% | 5,051 |
| Noninterest expense to average assets | 2.7188% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9189% | 2,560 |
| Return on assets (ROA) | 0.9930% | 2,358 |
| Pretax return on assets | 1.4476% | 1,669 |
| Return on Equity (ROE) | 7.4790% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.0477% | 3,627 |
| Net charge-offs to loans | 0.0569% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 52.6429% | 603 |
| Efficiency ratio | 66.9803% | 4,701 |
| Assets per employee ($millions) | 3.7591% | 4,300 |
| Cash dividends to net income (ytd only)* | 45.8791% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 3,189 |
| Loan loss allowance to noncurrent loans | 18.3944% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 4.4995% | 1,397 |
| Noncurrent loans to loans | 9.4594% | 423 |
| Net loans and leases to total assets | 43.2031% | 6,504 |
| Net loans and leases to deposits | 53.2470% | 6,365 |
| Net loans and leases to core deposits | 54.1818% | 6,550 |
| Total domestic deposits to total assets | 81.1371% | 5,481 |
| Equity capital to assets | 13.7043% | 1,207 |
| Core capital (leverage) ratio | 13.3000% | 1,061 |
| Tier 1 risk-based capital ratio | 26.2712% | 789 |
| Total risk-based capital ratio | 27.5239% | 771 |
| Memoranda: | ||
| Average total assets | $219,949,670 | 2,866 |
| Average earning assets | $207,915,670 | 2,783 |
| Average equity | $29,201,670 | 2,230 |
| Average total loans | $98,465,670 | 3,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 2,181 |
| Cost of funding earning assets | 1.3010% | 2,164 |
| Net interest margin | 3.9107% | 3,088 |
| Noninterest income to average assets | 0.3386% | 5,197 |
| Noninterest expense to average assets | 2.7106% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8587% | 2,744 |
| Return on assets (ROA) | 0.9941% | 2,251 |
| Pretax return on assets | 1.5373% | 1,338 |
| Return on Equity (ROE) | 7.6084% | 3,095 |
| Retained earnings to average equity (ytd only) | 6.4858% | 2,380 |
| Net charge-offs to loans | 0.0080% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 75 |
| Efficiency ratio | 67.1000% | 4,829 |
| Assets per employee ($millions) | 3.6543% | 4,642 |
| Cash dividends to net income (ytd only)* | 14.7541% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 3,291 |
| Loan loss allowance to noncurrent loans | 18.2033% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 4.3479% | 1,502 |
| Noncurrent loans to loans | 9.4166% | 448 |
| Net loans and leases to total assets | 43.5737% | 6,505 |
| Net loans and leases to deposits | 55.0055% | 6,215 |
| Net loans and leases to core deposits | 56.6256% | 6,362 |
| Total domestic deposits to total assets | 79.2169% | 6,140 |
| Equity capital to assets | 13.0635% | 1,357 |
| Core capital (leverage) ratio | 13.4868% | 971 |
| Tier 1 risk-based capital ratio | 25.5926% | 825 |
| Total risk-based capital ratio | 26.8448% | 802 |
| Memoranda: | ||
| Average total assets | $220,911,500 | 2,868 |
| Average earning assets | $209,065,500 | 2,797 |
| Average equity | $28,863,000 | 2,241 |
| Average total loans | $99,767,500 | 3,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 3,179 |
| Cost of funding earning assets | 1.4414% | 3,012 |
| Net interest margin | 3.8481% | 3,741 |
| Noninterest income to average assets | 0.4697% | 4,381 |
| Noninterest expense to average assets | 2.9056% | 4,205 |
| Loan and lease loss provision to assets | 0.0491% | 6,662 |
| Net operating income to assets | 0.8081% | 2,764 |
| Return on assets (ROA) | 0.8280% | 2,821 |
| Pretax return on assets | 1.1824% | 2,284 |
| Return on Equity (ROE) | 5.8327% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.5723% | 4,061 |
| Net charge-offs to loans | 0.1022% | 5,839 |
| Credit loss provision to net charge-offs | 101.0101% | 4,496 |
| Earnings coverage of net charge-offs (x) | 24.7576% | 855 |
| Efficiency ratio | 70.7203% | 4,033 |
| Assets per employee ($millions) | 3.7104% | 4,436 |
| Cash dividends to net income (ytd only)* | 55.8980% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,277 |
| Loan loss allowance to noncurrent loans | 16.5528% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 4.8586% | 1,336 |
| Noncurrent loans to loans | 10.1738% | 412 |
| Net loans and leases to total assets | 45.2303% | 6,619 |
| Net loans and leases to deposits | 55.4815% | 6,480 |
| Net loans and leases to core deposits | 56.8432% | 6,642 |
| Total domestic deposits to total assets | 81.5231% | 5,350 |
| Equity capital to assets | 13.0674% | 1,362 |
| Core capital (leverage) ratio | 12.9813% | 1,134 |
| Tier 1 risk-based capital ratio | 24.8713% | 857 |
| Total risk-based capital ratio | 26.1241% | 836 |
| Memoranda: | ||
| Average total assets | $203,745,600 | 3,056 |
| Average earning assets | $192,666,000 | 2,964 |
| Average equity | $28,923,000 | 2,250 |
| Average total loans | $96,855,800 | 3,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 3,130 |
| Cost of funding earning assets | 1.4092% | 3,528 |
| Net interest margin | 3.9384% | 3,366 |
| Noninterest income to average assets | 0.4534% | 4,532 |
| Noninterest expense to average assets | 2.8306% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9248% | 2,517 |
| Return on assets (ROA) | 0.9515% | 2,535 |
| Pretax return on assets | 1.3850% | 1,927 |
| Return on Equity (ROE) | 6.5602% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.3306% | 3,451 |
| Net charge-offs to loans | 0.1307% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 21.4787% | 1,130 |
| Efficiency ratio | 67.7682% | 4,513 |
| Assets per employee ($millions) | 3.3889% | 5,232 |
| Cash dividends to net income (ytd only)* | 33.9873% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 3,392 |
| Loan loss allowance to noncurrent loans | 15.3191% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 5.2685% | 1,186 |
| Noncurrent loans to loans | 10.6719% | 370 |
| Net loans and leases to total assets | 46.5986% | 6,648 |
| Net loans and leases to deposits | 58.4000% | 6,436 |
| Net loans and leases to core deposits | 59.9538% | 6,603 |
| Total domestic deposits to total assets | 79.7921% | 5,776 |
| Equity capital to assets | 14.2869% | 1,088 |
| Core capital (leverage) ratio | 14.3104% | 857 |
| Tier 1 risk-based capital ratio | 28.3152% | 606 |
| Total risk-based capital ratio | 29.5693% | 592 |
| Memoranda: | ||
| Average total assets | $199,954,250 | 3,138 |
| Average earning assets | $189,039,500 | 3,056 |
| Average equity | $29,002,250 | 2,272 |
| Average total loans | $95,892,250 | 3,972 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 2,650 |
| Cost of funding earning assets | 1.4335% | 3,651 |
| Net interest margin | 4.0381% | 2,842 |
| Noninterest income to average assets | 0.4826% | 4,258 |
| Noninterest expense to average assets | 2.8660% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9954% | 2,216 |
| Return on assets (ROA) | 1.0359% | 2,137 |
| Pretax return on assets | 1.4912% | 1,580 |
| Return on Equity (ROE) | 7.1049% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.9896% | 3,540 |
| Net charge-offs to loans | 0.1680% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,322 |
| Efficiency ratio | 66.6745% | 4,847 |
| Assets per employee ($millions) | 3.3210% | 5,383 |
| Cash dividends to net income (ytd only)* | 43.8477% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,120 |
| Loan loss allowance to noncurrent loans | 58.5782% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 4,089 |
| Noncurrent loans to loans | 2.8843% | 2,769 |
| Net loans and leases to total assets | 46.3864% | 6,756 |
| Net loans and leases to deposits | 57.2449% | 6,640 |
| Net loans and leases to core deposits | 58.7756% | 6,781 |
| Total domestic deposits to total assets | 81.0315% | 5,391 |
| Equity capital to assets | 14.4622% | 1,025 |
| Core capital (leverage) ratio | 14.4652% | 826 |
| Tier 1 risk-based capital ratio | 29.2378% | 554 |
| Total risk-based capital ratio | 30.4926% | 540 |
| Memoranda: | ||
| Average total assets | $197,698,670 | 3,195 |
| Average earning assets | $186,820,000 | 3,106 |
| Average equity | $28,825,000 | 2,274 |
| Average total loans | $95,213,000 | 4,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,670 |
| Cost of funding earning assets | 1.4627% | 3,792 |
| Net interest margin | 4.0207% | 2,785 |
| Noninterest income to average assets | 0.5265% | 3,845 |
| Noninterest expense to average assets | 2.9500% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9900% | 2,223 |
| Return on assets (ROA) | 1.0755% | 1,988 |
| Pretax return on assets | 1.4852% | 1,550 |
| Return on Equity (ROE) | 7.3456% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.0658% | 2,108 |
| Net charge-offs to loans | 0.0084% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 333.5000% | 87 |
| Efficiency ratio | 68.3436% | 4,652 |
| Assets per employee ($millions) | 3.1575% | 5,868 |
| Cash dividends to net income (ytd only)* | 3.8095% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,852 |
| Loan loss allowance to noncurrent loans | 55.8562% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 3,824 |
| Noncurrent loans to loans | 3.1568% | 2,543 |
| Net loans and leases to total assets | 48.1815% | 6,659 |
| Net loans and leases to deposits | 56.9045% | 6,706 |
| Net loans and leases to core deposits | 58.4109% | 6,855 |
| Total domestic deposits to total assets | 84.6708% | 3,822 |
| Equity capital to assets | 14.7857% | 933 |
| Core capital (leverage) ratio | 14.8547% | 780 |
| Tier 1 risk-based capital ratio | 29.4818% | 551 |
| Total risk-based capital ratio | 30.7379% | 536 |
| Memoranda: | ||
| Average total assets | $195,256,500 | 3,284 |
| Average earning assets | $184,046,500 | 3,205 |
| Average equity | $28,588,500 | 2,324 |
| Average total loans | $95,026,500 | 4,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9962% | 1,889 |
| Cost of funding earning assets | 1.6660% | 4,693 |
| Net interest margin | 4.3303% | 1,632 |
| Noninterest income to average assets | 0.2045% | 6,647 |
| Noninterest expense to average assets | 3.0918% | 3,779 |
| Loan and lease loss provision to assets | 0.1589% | 6,090 |
| Net operating income to assets | 0.7277% | 2,819 |
| Return on assets (ROA) | 0.7728% | 2,723 |
| Pretax return on assets | 1.0954% | 2,270 |
| Return on Equity (ROE) | 5.1181% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.9855% | 3,712 |
| Net charge-offs to loans | 0.1866% | 5,490 |
| Credit loss provision to net charge-offs | 171.4286% | 2,480 |
| Earnings coverage of net charge-offs (x) | 12.8457% | 1,469 |
| Efficiency ratio | 72.1954% | 4,233 |
| Assets per employee ($millions) | 3.1411% | 5,886 |
| Cash dividends to net income (ytd only)* | 61.2063% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 2,535 |
| Loan loss allowance to noncurrent loans | 47.4657% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.0750% | 3,307 |
| Noncurrent loans to loans | 3.7974% | 1,970 |
| Net loans and leases to total assets | 47.4164% | 6,860 |
| Net loans and leases to deposits | 55.7435% | 6,936 |
| Net loans and leases to core deposits | 61.7679% | 7,200 |
| Total domestic deposits to total assets | 85.0618% | 3,523 |
| Equity capital to assets | 14.4966% | 1,025 |
| Core capital (leverage) ratio | 14.4593% | 888 |
| Tier 1 risk-based capital ratio | 29.4359% | 558 |
| Total risk-based capital ratio | 30.6927% | 542 |
| Memoranda: | ||
| Average total assets | $188,789,000 | 3,302 |
| Average earning assets | $177,794,800 | 3,243 |
| Average equity | $28,506,400 | 2,333 |
| Average total loans | $93,799,400 | 4,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1050% | 1,637 |
| Cost of funding earning assets | 1.6358% | 5,229 |
| Net interest margin | 4.4692% | 1,269 |
| Noninterest income to average assets | 0.1637% | 7,030 |
| Noninterest expense to average assets | 3.0389% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9009% | 2,418 |
| Return on assets (ROA) | 0.9582% | 2,264 |
| Pretax return on assets | 1.4209% | 1,642 |
| Return on Equity (ROE) | 6.2804% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.1994% | 2,931 |
| Net charge-offs to loans | 0.1892% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 14.1052% | 1,626 |
| Efficiency ratio | 69.4711% | 4,700 |
| Assets per employee ($millions) | 3.0124% | 6,132 |
| Cash dividends to net income (ytd only)* | 33.1351% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,260 |
| Loan loss allowance to noncurrent loans | 30.9899% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 2.8024% | 2,479 |
| Noncurrent loans to loans | 4.9492% | 1,351 |
| Net loans and leases to total assets | 49.3958% | 6,829 |
| Net loans and leases to deposits | 59.7278% | 6,848 |
| Net loans and leases to core deposits | 66.2447% | 7,150 |
| Total domestic deposits to total assets | 82.7014% | 4,360 |
| Equity capital to assets | 15.4460% | 899 |
| Core capital (leverage) ratio | 15.2054% | 819 |
| Tier 1 risk-based capital ratio | 30.3525% | 548 |
| Total risk-based capital ratio | 31.6058% | 535 |
| Memoranda: | ||
| Average total assets | $187,299,000 | 3,350 |
| Average earning assets | $176,461,750 | 3,283 |
| Average equity | $28,575,000 | 2,352 |
| Average total loans | $93,739,750 | 4,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 1,630 |
| Cost of funding earning assets | 1.6695% | 5,426 |
| Net interest margin | 4.4763% | 1,221 |
| Noninterest income to average assets | 0.4267% | 5,067 |
| Noninterest expense to average assets | 3.0084% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1308% | 1,663 |
| Return on assets (ROA) | 1.2204% | 1,502 |
| Pretax return on assets | 1.7538% | 923 |
| Return on Equity (ROE) | 8.0326% | 2,756 |
| Retained earnings to average equity (ytd only) | 5.0274% | 2,488 |
| Net charge-offs to loans | 0.2858% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.3731% | 1,907 |
| Efficiency ratio | 64.9171% | 5,736 |
| Assets per employee ($millions) | 3.0107% | 6,100 |
| Cash dividends to net income (ytd only)* | 37.4126% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,004 |
| Loan loss allowance to noncurrent loans | 33.1028% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.8580% | 2,242 |
| Noncurrent loans to loans | 4.6421% | 1,375 |
| Net loans and leases to total assets | 49.2929% | 6,932 |
| Net loans and leases to deposits | 59.4077% | 6,938 |
| Net loans and leases to core deposits | 65.5144% | 7,235 |
| Total domestic deposits to total assets | 82.9739% | 4,248 |
| Equity capital to assets | 15.3199% | 966 |
| Core capital (leverage) ratio | 15.1250% | 892 |
| Tier 1 risk-based capital ratio | 29.8441% | 612 |
| Total risk-based capital ratio | 31.0969% | 600 |
| Memoranda: | ||
| Average total assets | $187,476,330 | 3,368 |
| Average earning assets | $176,215,670 | 3,313 |
| Average equity | $28,484,000 | 2,374 |
| Average total loans | $93,755,670 | 4,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3543% | 1,171 |
| Cost of funding earning assets | 1.7079% | 5,566 |
| Net interest margin | 4.6464% | 874 |
| Noninterest income to average assets | 0.4066% | 5,167 |
| Noninterest expense to average assets | 2.9849% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2625% | 1,471 |
| Return on assets (ROA) | 1.2625% | 1,572 |
| Pretax return on assets | 1.7947% | 984 |
| Return on Equity (ROE) | 8.3440% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.3440% | 1,684 |
| Net charge-offs to loans | 0.4217% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.5152% | 2,179 |
| Efficiency ratio | 62.4499% | 5,971 |
| Assets per employee ($millions) | 3.0318% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,620 |
| Loan loss allowance to noncurrent loans | 41.9806% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 2,390 |
| Noncurrent loans to loans | 3.7564% | 1,651 |
| Net loans and leases to total assets | 48.8429% | 6,958 |
| Net loans and leases to deposits | 58.0690% | 7,030 |
| Net loans and leases to core deposits | 64.3666% | 7,303 |
| Total domestic deposits to total assets | 84.1118% | 3,647 |
| Equity capital to assets | 15.2599% | 1,025 |
| Core capital (leverage) ratio | 15.1329% | 939 |
| Tier 1 risk-based capital ratio | 30.2824% | 609 |
| Total risk-based capital ratio | 31.5367% | 595 |
| Memoranda: | ||
| Average total assets | $187,881,500 | 3,383 |
| Average earning assets | $176,824,000 | 3,323 |
| Average equity | $28,427,500 | 2,389 |
| Average total loans | $93,909,000 | 4,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8099% | 1,645 |
| Cost of funding earning assets | 2.1751% | 5,703 |
| Net interest margin | 4.6347% | 1,081 |
| Noninterest income to average assets | 0.4819% | 4,782 |
| Noninterest expense to average assets | 2.9315% | 4,331 |
| Loan and lease loss provision to assets | 0.1575% | 5,356 |
| Net operating income to assets | 1.2282% | 1,690 |
| Return on assets (ROA) | 1.2410% | 1,594 |
| Pretax return on assets | 1.7729% | 993 |
| Return on Equity (ROE) | 8.7621% | 2,727 |
| Retained earnings to average equity (ytd only) | 5.1483% | 1,934 |
| Net charge-offs to loans | 0.2637% | 3,644 |
| Credit loss provision to net charge-offs | 120.4819% | 4,455 |
| Earnings coverage of net charge-offs (x) | 14.6265% | 2,023 |
| Efficiency ratio | 60.5246% | 6,254 |
| Assets per employee ($millions) | 3.0289% | 5,990 |
| Cash dividends to net income (ytd only)* | 41.2437% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 2,025 |
| Loan loss allowance to noncurrent loans | 40.3545% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.3121% | 2,108 |
| Noncurrent loans to loans | 4.1180% | 1,182 |
| Net loans and leases to total assets | 49.5045% | 7,069 |
| Net loans and leases to deposits | 58.9493% | 7,152 |
| Net loans and leases to core deposits | 65.6544% | 7,373 |
| Total domestic deposits to total assets | 83.9781% | 3,332 |
| Equity capital to assets | 15.0011% | 1,160 |
| Core capital (leverage) ratio | 14.4869% | 1,145 |
| Tier 1 risk-based capital ratio | 29.5333% | 666 |
| Total risk-based capital ratio | 30.7838% | 649 |
| Memoranda: | ||
| Average total assets | $190,484,200 | 3,263 |
| Average earning assets | $179,254,800 | 3,192 |
| Average equity | $26,979,800 | 2,477 |
| Average total loans | $94,419,400 | 4,095 |