Home > Tower Bank & Trust Company > Performance and Condition Ratios
Tower Bank & Trust Company, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 5,144 |
| Cost of funding earning assets | 0.3536% | 4,504 |
| Net interest margin | 3.2564% | 4,717 |
| Noninterest income to average assets | 1.4005% | 590 |
| Noninterest expense to average assets | 2.6880% | 3,972 |
| Loan and lease loss provision to assets | -0.5121% | 6,664 |
| Net operating income to assets | 1.6890% | 586 |
| Return on assets (ROA) | 1.6785% | 612 |
| Pretax return on assets | 2.1642% | 380 |
| Return on Equity (ROE) | 13.9126% | 960 |
| Retained earnings to average equity (ytd only) | 13.9126% | 402 |
| Net charge-offs to loans | -0.2567% | 6,445 |
| Credit loss provision to net charge-offs | 314.7482% | 772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7422% | 5,165 |
| Assets per employee ($millions) | 5.4808% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 4,362 |
| Loan loss allowance to noncurrent loans | 50.7235% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 2,212 |
| Noncurrent loans to loans | 2.4709% | 1,402 |
| Net loans and leases to total assets | 59.8149% | 3,591 |
| Net loans and leases to deposits | 69.8153% | 3,629 |
| Net loans and leases to core deposits | 79.7372% | 2,997 |
| Total domestic deposits to total assets | 85.6760% | 3,524 |
| Equity capital to assets | 12.4762% | 1,589 |
| Core capital (leverage) ratio | 11.7879% | 1,771 |
| Tier 1 risk-based capital ratio | 16.7731% | 2,783 |
| Total risk-based capital ratio | 17.8500% | 2,818 |
| Memoranda: | ||
| Average total assets | $683,487,000 | 994 |
| Average earning assets | $619,830,500 | 1,007 |
| Average equity | $82,457,500 | 888 |
| Average total loans | $433,157,000 | 1,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 5,010 |
| Cost of funding earning assets | 0.3956% | 4,695 |
| Net interest margin | 3.3425% | 4,512 |
| Noninterest income to average assets | 1.4128% | 704 |
| Noninterest expense to average assets | 3.0751% | 2,821 |
| Loan and lease loss provision to assets | -0.2870% | 6,669 |
| Net operating income to assets | 1.1790% | 1,651 |
| Return on assets (ROA) | 1.3028% | 1,283 |
| Pretax return on assets | 1.8426% | 687 |
| Return on Equity (ROE) | 11.2132% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.9210% | 1,467 |
| Net charge-offs to loans | 0.1327% | 3,476 |
| Credit loss provision to net charge-offs | -329.7162% | 6,070 |
| Earnings coverage of net charge-offs (x) | 15.8698% | 1,841 |
| Efficiency ratio | 69.0045% | 4,015 |
| Assets per employee ($millions) | 4.5884% | 2,737 |
| Cash dividends to net income (ytd only)* | 38.2779% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,397 |
| Loan loss allowance to noncurrent loans | 53.9660% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 1,989 |
| Noncurrent loans to loans | 2.3124% | 1,664 |
| Net loans and leases to total assets | 65.2746% | 2,809 |
| Net loans and leases to deposits | 75.5486% | 3,023 |
| Net loans and leases to core deposits | 90.6203% | 1,951 |
| Total domestic deposits to total assets | 86.4008% | 3,039 |
| Equity capital to assets | 11.6634% | 2,053 |
| Core capital (leverage) ratio | 11.2019% | 2,193 |
| Tier 1 risk-based capital ratio | 14.8049% | 3,779 |
| Total risk-based capital ratio | 15.8873% | 3,826 |
| Memoranda: | ||
| Average total assets | $688,195,400 | 963 |
| Average earning assets | $626,649,800 | 968 |
| Average equity | $79,959,400 | 894 |
| Average total loans | $451,288,400 | 947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 5,087 |
| Cost of funding earning assets | 0.4008% | 4,814 |
| Net interest margin | 3.3296% | 4,536 |
| Noninterest income to average assets | 1.4351% | 718 |
| Noninterest expense to average assets | 3.0224% | 2,913 |
| Loan and lease loss provision to assets | -0.1601% | 6,685 |
| Net operating income to assets | 1.1499% | 1,813 |
| Return on assets (ROA) | 1.2116% | 1,668 |
| Pretax return on assets | 1.6938% | 1,109 |
| Return on Equity (ROE) | 10.4377% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.3250% | 2,862 |
| Net charge-offs to loans | 0.1945% | 2,676 |
| Credit loss provision to net charge-offs | -125.7622% | 5,817 |
| Earnings coverage of net charge-offs (x) | 11.3751% | 2,253 |
| Efficiency ratio | 67.6072% | 4,166 |
| Assets per employee ($millions) | 4.2592% | 3,310 |
| Cash dividends to net income (ytd only)* | 48.9829% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,464 |
| Loan loss allowance to noncurrent loans | 90.7008% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 2,856 |
| Noncurrent loans to loans | 1.6518% | 2,705 |
| Net loans and leases to total assets | 63.6908% | 3,048 |
| Net loans and leases to deposits | 75.7912% | 2,988 |
| Net loans and leases to core deposits | 92.4359% | 1,726 |
| Total domestic deposits to total assets | 84.0346% | 4,174 |
| Equity capital to assets | 11.2875% | 2,483 |
| Core capital (leverage) ratio | 11.0974% | 2,385 |
| Tier 1 risk-based capital ratio | 14.2649% | 4,243 |
| Total risk-based capital ratio | 15.5152% | 4,187 |
| Memoranda: | ||
| Average total assets | $687,034,000 | 977 |
| Average earning assets | $626,334,250 | 977 |
| Average equity | $79,747,000 | 904 |
| Average total loans | $449,619,500 | 955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,956 |
| Cost of funding earning assets | 0.4129% | 4,829 |
| Net interest margin | 3.3478% | 4,383 |
| Noninterest income to average assets | 1.4089% | 793 |
| Noninterest expense to average assets | 3.0030% | 2,990 |
| Loan and lease loss provision to assets | 0.0073% | 4,700 |
| Net operating income to assets | 1.0433% | 2,139 |
| Return on assets (ROA) | 1.1364% | 1,903 |
| Pretax return on assets | 1.5864% | 1,407 |
| Return on Equity (ROE) | 9.6986% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,491 |
| Net charge-offs to loans | 0.2330% | 2,330 |
| Credit loss provision to net charge-offs | 4.7893% | 3,959 |
| Earnings coverage of net charge-offs (x) | 9.5632% | 2,265 |
| Efficiency ratio | 67.2204% | 4,323 |
| Assets per employee ($millions) | 4.1040% | 3,574 |
| Cash dividends to net income (ytd only)* | 39.1585% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,576 |
| Loan loss allowance to noncurrent loans | 67.5392% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 2,230 |
| Noncurrent loans to loans | 2.5994% | 1,771 |
| Net loans and leases to total assets | 64.0055% | 2,913 |
| Net loans and leases to deposits | 74.8822% | 3,031 |
| Net loans and leases to core deposits | 92.4363% | 1,663 |
| Total domestic deposits to total assets | 85.4750% | 3,653 |
| Equity capital to assets | 11.5337% | 2,265 |
| Core capital (leverage) ratio | 11.1227% | 2,233 |
| Tier 1 risk-based capital ratio | 14.5873% | 4,037 |
| Total risk-based capital ratio | 15.8406% | 4,004 |
| Memoranda: | ||
| Average total assets | $681,791,330 | 979 |
| Average earning assets | $622,855,330 | 984 |
| Average equity | $79,888,000 | 907 |
| Average total loans | $448,025,000 | 955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 5,133 |
| Cost of funding earning assets | 0.4097% | 5,014 |
| Net interest margin | 3.2979% | 4,526 |
| Noninterest income to average assets | 1.4175% | 757 |
| Noninterest expense to average assets | 3.0420% | 2,860 |
| Loan and lease loss provision to assets | -0.1613% | 6,878 |
| Net operating income to assets | 1.0899% | 1,900 |
| Return on assets (ROA) | 1.2574% | 1,484 |
| Pretax return on assets | 1.7975% | 887 |
| Return on Equity (ROE) | 10.6475% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.7378% | 3,397 |
| Net charge-offs to loans | 0.3110% | 1,715 |
| Credit loss provision to net charge-offs | -78.5714% | 5,116 |
| Earnings coverage of net charge-offs (x) | 6.8057% | 2,157 |
| Efficiency ratio | 68.5295% | 4,214 |
| Assets per employee ($millions) | 4.3834% | 3,183 |
| Cash dividends to net income (ytd only)* | 55.5037% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,914 |
| Loan loss allowance to noncurrent loans | 51.9312% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.4419% | 1,890 |
| Noncurrent loans to loans | 3.3176% | 1,460 |
| Net loans and leases to total assets | 64.3440% | 2,641 |
| Net loans and leases to deposits | 74.5728% | 2,842 |
| Net loans and leases to core deposits | 91.5208% | 1,554 |
| Total domestic deposits to total assets | 86.2835% | 3,368 |
| Equity capital to assets | 11.8432% | 2,144 |
| Core capital (leverage) ratio | 10.8954% | 2,357 |
| Tier 1 risk-based capital ratio | 14.4636% | 4,206 |
| Total risk-based capital ratio | 15.7168% | 4,166 |
| Memoranda: | ||
| Average total assets | $682,054,000 | 986 |
| Average earning assets | $624,882,500 | 994 |
| Average equity | $80,544,500 | 912 |
| Average total loans | $450,117,500 | 951 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 4,150 |
| Cost of funding earning assets | 0.5510% | 4,809 |
| Net interest margin | 3.7603% | 3,392 |
| Noninterest income to average assets | 1.3034% | 903 |
| Noninterest expense to average assets | 3.0817% | 2,979 |
| Loan and lease loss provision to assets | 0.3731% | 1,757 |
| Net operating income to assets | 0.9655% | 2,477 |
| Return on assets (ROA) | 0.9828% | 2,636 |
| Pretax return on assets | 1.2610% | 2,563 |
| Return on Equity (ROE) | 8.0293% | 3,063 |
| Retained earnings to average equity (ytd only) | 1.0162% | 5,370 |
| Net charge-offs to loans | 0.7791% | 1,503 |
| Credit loss provision to net charge-offs | 69.0199% | 4,204 |
| Earnings coverage of net charge-offs (x) | 2.9817% | 3,934 |
| Efficiency ratio | 65.6558% | 4,573 |
| Assets per employee ($millions) | 4.4173% | 3,114 |
| Cash dividends to net income (ytd only)* | 87.3439% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,526 |
| Loan loss allowance to noncurrent loans | 54.9741% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4809% | 1,969 |
| Noncurrent loans to loans | 3.3109% | 1,546 |
| Net loans and leases to total assets | 65.3021% | 2,649 |
| Net loans and leases to deposits | 79.5259% | 2,350 |
| Net loans and leases to core deposits | 95.8780% | 1,315 |
| Total domestic deposits to total assets | 82.1142% | 5,058 |
| Equity capital to assets | 11.7753% | 2,202 |
| Core capital (leverage) ratio | 10.8005% | 2,442 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,349 |
| Total risk-based capital ratio | 15.3050% | 4,305 |
| Memoranda: | ||
| Average total assets | $668,097,000 | 986 |
| Average earning assets | $602,375,800 | 997 |
| Average equity | $81,776,000 | 858 |
| Average total loans | $463,625,400 | 887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 4,010 |
| Cost of funding earning assets | 0.5885% | 4,759 |
| Net interest margin | 3.8201% | 3,245 |
| Noninterest income to average assets | 1.3079% | 861 |
| Noninterest expense to average assets | 3.0258% | 3,148 |
| Loan and lease loss provision to assets | 0.4605% | 1,349 |
| Net operating income to assets | 0.8983% | 2,987 |
| Return on assets (ROA) | 0.9093% | 3,168 |
| Pretax return on assets | 1.2705% | 2,707 |
| Return on Equity (ROE) | 7.3567% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.3567% | 1,916 |
| Net charge-offs to loans | 0.9053% | 1,204 |
| Credit loss provision to net charge-offs | 72.5174% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.7021% | 3,953 |
| Efficiency ratio | 63.8150% | 4,836 |
| Assets per employee ($millions) | 4.1978% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,685 |
| Loan loss allowance to noncurrent loans | 65.6998% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3425% | 2,269 |
| Noncurrent loans to loans | 2.7958% | 2,012 |
| Net loans and leases to total assets | 70.1340% | 1,888 |
| Net loans and leases to deposits | 85.9697% | 1,604 |
| Net loans and leases to core deposits | 100.4904% | 1,089 |
| Total domestic deposits to total assets | 81.5799% | 5,168 |
| Equity capital to assets | 13.0723% | 1,561 |
| Core capital (leverage) ratio | 11.8145% | 1,764 |
| Tier 1 risk-based capital ratio | 14.8619% | 3,942 |
| Total risk-based capital ratio | 16.1172% | 3,898 |
| Memoranda: | ||
| Average total assets | $663,951,500 | 993 |
| Average earning assets | $596,792,000 | 1,014 |
| Average equity | $82,064,250 | 857 |
| Average total loans | $465,682,000 | 882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 3,980 |
| Cost of funding earning assets | 0.6298% | 4,625 |
| Net interest margin | 3.8195% | 3,273 |
| Noninterest income to average assets | 1.2645% | 896 |
| Noninterest expense to average assets | 3.0144% | 3,207 |
| Loan and lease loss provision to assets | 0.5012% | 1,269 |
| Net operating income to assets | 0.8342% | 3,222 |
| Return on assets (ROA) | 0.8486% | 3,426 |
| Pretax return on assets | 1.1787% | 3,021 |
| Return on Equity (ROE) | 6.9967% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.9967% | 2,105 |
| Net charge-offs to loans | 0.8803% | 1,248 |
| Credit loss provision to net charge-offs | 81.6675% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.7045% | 3,657 |
| Efficiency ratio | 64.4901% | 4,803 |
| Assets per employee ($millions) | 4.0290% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 2,430 |
| Loan loss allowance to noncurrent loans | 65.7064% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.4985% | 2,238 |
| Noncurrent loans to loans | 2.9455% | 2,024 |
| Net loans and leases to total assets | 70.1161% | 1,900 |
| Net loans and leases to deposits | 82.8694% | 1,997 |
| Net loans and leases to core deposits | 97.0807% | 1,342 |
| Total domestic deposits to total assets | 84.6104% | 4,048 |
| Equity capital to assets | 12.6717% | 1,705 |
| Core capital (leverage) ratio | 11.4994% | 1,909 |
| Tier 1 risk-based capital ratio | 14.4940% | 4,110 |
| Total risk-based capital ratio | 15.7504% | 4,068 |
| Memoranda: | ||
| Average total assets | $668,382,000 | 987 |
| Average earning assets | $596,673,330 | 1,012 |
| Average equity | $81,067,000 | 855 |
| Average total loans | $465,951,670 | 882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 4,027 |
| Cost of funding earning assets | 0.7130% | 4,170 |
| Net interest margin | 3.7568% | 3,575 |
| Noninterest income to average assets | 1.2114% | 977 |
| Noninterest expense to average assets | 3.0392% | 3,119 |
| Loan and lease loss provision to assets | 0.4436% | 1,404 |
| Net operating income to assets | 0.7568% | 3,589 |
| Return on assets (ROA) | 0.7719% | 3,753 |
| Pretax return on assets | 1.0559% | 3,482 |
| Return on Equity (ROE) | 6.5050% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.5050% | 2,685 |
| Net charge-offs to loans | 0.9021% | 1,140 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 2.3810% | 3,223 |
| Efficiency ratio | 67.2689% | 4,309 |
| Assets per employee ($millions) | 4.2252% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 2,472 |
| Loan loss allowance to noncurrent loans | 59.6190% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.7900% | 2,102 |
| Noncurrent loans to loans | 3.2947% | 1,935 |
| Net loans and leases to total assets | 69.8605% | 1,775 |
| Net loans and leases to deposits | 81.8005% | 1,963 |
| Net loans and leases to core deposits | 97.1638% | 1,187 |
| Total domestic deposits to total assets | 85.4035% | 3,835 |
| Equity capital to assets | 12.4467% | 1,754 |
| Core capital (leverage) ratio | 10.9030% | 2,341 |
| Tier 1 risk-based capital ratio | 14.3327% | 4,219 |
| Total risk-based capital ratio | 15.5894% | 4,186 |
| Memoranda: | ||
| Average total assets | $676,220,000 | 972 |
| Average earning assets | $595,190,000 | 1,011 |
| Average equity | $80,246,000 | 863 |
| Average total loans | $465,585,500 | 883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 3,632 |
| Cost of funding earning assets | 0.8913% | 4,182 |
| Net interest margin | 3.9475% | 3,122 |
| Noninterest income to average assets | 1.1556% | 981 |
| Noninterest expense to average assets | 3.1516% | 3,020 |
| Loan and lease loss provision to assets | 0.6292% | 1,623 |
| Net operating income to assets | 0.9641% | 2,346 |
| Return on assets (ROA) | 1.0578% | 2,116 |
| Pretax return on assets | 0.9832% | 3,306 |
| Return on Equity (ROE) | 9.5764% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.5764% | 653 |
| Net charge-offs to loans | 1.5147% | 1,059 |
| Credit loss provision to net charge-offs | 57.8003% | 5,229 |
| Earnings coverage of net charge-offs (x) | 1.3952% | 4,720 |
| Efficiency ratio | 67.4797% | 4,469 |
| Assets per employee ($millions) | 4.6474% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 2,234 |
| Loan loss allowance to noncurrent loans | 76.6748% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1944% | 2,745 |
| Noncurrent loans to loans | 2.6246% | 2,486 |
| Net loans and leases to total assets | 65.2768% | 2,924 |
| Net loans and leases to deposits | 75.5884% | 3,242 |
| Net loans and leases to core deposits | 91.9035% | 1,896 |
| Total domestic deposits to total assets | 86.3582% | 3,111 |
| Equity capital to assets | 11.3292% | 2,661 |
| Core capital (leverage) ratio | 10.6403% | 2,568 |
| Tier 1 risk-based capital ratio | 13.4074% | 4,764 |
| Total risk-based capital ratio | 14.6640% | 4,727 |
| Memoranda: | ||
| Average total assets | $670,651,200 | 967 |
| Average earning assets | $597,138,200 | 983 |
| Average equity | $74,078,200 | 910 |
| Average total loans | $482,006,400 | 867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 3,669 |
| Cost of funding earning assets | 0.9364% | 4,146 |
| Net interest margin | 3.9358% | 3,203 |
| Noninterest income to average assets | 1.1294% | 1,034 |
| Noninterest expense to average assets | 3.1036% | 3,148 |
| Loan and lease loss provision to assets | 0.6527% | 1,498 |
| Net operating income to assets | 0.6969% | 3,634 |
| Return on assets (ROA) | 0.7917% | 3,372 |
| Pretax return on assets | 1.0501% | 3,214 |
| Return on Equity (ROE) | 7.2163% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.2163% | 1,857 |
| Net charge-offs to loans | 1.5564% | 917 |
| Credit loss provision to net charge-offs | 57.2411% | 4,868 |
| Earnings coverage of net charge-offs (x) | 1.3826% | 4,589 |
| Efficiency ratio | 66.3143% | 4,662 |
| Assets per employee ($millions) | 4.1609% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 2,012 |
| Loan loss allowance to noncurrent loans | 89.1576% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 2.2847% | 2,802 |
| Noncurrent loans to loans | 2.3829% | 2,909 |
| Net loans and leases to total assets | 70.0855% | 2,068 |
| Net loans and leases to deposits | 81.3351% | 2,478 |
| Net loans and leases to core deposits | 102.6147% | 1,062 |
| Total domestic deposits to total assets | 86.1687% | 3,113 |
| Equity capital to assets | 11.4485% | 2,732 |
| Core capital (leverage) ratio | 10.7254% | 2,642 |
| Tier 1 risk-based capital ratio | 13.4421% | 4,779 |
| Total risk-based capital ratio | 14.7004% | 4,744 |
| Memoranda: | ||
| Average total assets | $662,875,250 | 983 |
| Average earning assets | $598,023,250 | 987 |
| Average equity | $72,722,000 | 934 |
| Average total loans | $485,635,250 | 874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 3,810 |
| Cost of funding earning assets | 0.9470% | 4,340 |
| Net interest margin | 3.9132% | 3,246 |
| Noninterest income to average assets | 1.0547% | 1,180 |
| Noninterest expense to average assets | 3.0523% | 3,422 |
| Loan and lease loss provision to assets | 0.7071% | 1,337 |
| Net operating income to assets | 0.6427% | 3,837 |
| Return on assets (ROA) | 0.7158% | 3,578 |
| Pretax return on assets | 0.9386% | 3,479 |
| Return on Equity (ROE) | 6.6206% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.6206% | 2,071 |
| Net charge-offs to loans | 1.1507% | 1,358 |
| Credit loss provision to net charge-offs | 83.2446% | 3,680 |
| Earnings coverage of net charge-offs (x) | 1.8243% | 3,953 |
| Efficiency ratio | 66.3281% | 4,816 |
| Assets per employee ($millions) | 4.2210% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 1,522 |
| Loan loss allowance to noncurrent loans | 99.9085% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 2.3776% | 2,774 |
| Noncurrent loans to loans | 2.4544% | 2,931 |
| Net loans and leases to total assets | 72.1365% | 1,765 |
| Net loans and leases to deposits | 86.5754% | 1,703 |
| Net loans and leases to core deposits | 107.3834% | 843 |
| Total domestic deposits to total assets | 83.3222% | 4,625 |
| Equity capital to assets | 11.0844% | 2,869 |
| Core capital (leverage) ratio | 10.4127% | 2,807 |
| Tier 1 risk-based capital ratio | 13.0493% | 4,877 |
| Total risk-based capital ratio | 14.3120% | 4,851 |
| Memoranda: | ||
| Average total assets | $663,304,330 | 993 |
| Average earning assets | $601,254,000 | 990 |
| Average equity | $71,715,330 | 946 |
| Average total loans | $489,599,670 | 882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 3,773 |
| Cost of funding earning assets | 0.9578% | 4,508 |
| Net interest margin | 3.9021% | 3,128 |
| Noninterest income to average assets | 1.0952% | 1,092 |
| Noninterest expense to average assets | 3.0192% | 3,559 |
| Loan and lease loss provision to assets | 0.7354% | 1,156 |
| Net operating income to assets | 0.6559% | 3,720 |
| Return on assets (ROA) | 0.6257% | 3,956 |
| Pretax return on assets | 0.8222% | 3,820 |
| Return on Equity (ROE) | 5.8607% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.8607% | 2,717 |
| Net charge-offs to loans | 1.4721% | 923 |
| Credit loss provision to net charge-offs | 67.7401% | 3,390 |
| Earnings coverage of net charge-offs (x) | 1.4714% | 3,606 |
| Efficiency ratio | 65.4002% | 5,141 |
| Assets per employee ($millions) | 4.3215% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4318% | 1,564 |
| Loan loss allowance to noncurrent loans | 75.4244% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 3.0847% | 2,236 |
| Noncurrent loans to loans | 3.2241% | 2,330 |
| Net loans and leases to total assets | 71.7911% | 1,765 |
| Net loans and leases to deposits | 82.3753% | 2,297 |
| Net loans and leases to core deposits | 103.2654% | 1,112 |
| Total domestic deposits to total assets | 87.1513% | 2,855 |
| Equity capital to assets | 10.7590% | 2,913 |
| Core capital (leverage) ratio | 10.1528% | 2,973 |
| Tier 1 risk-based capital ratio | 12.6297% | 5,136 |
| Total risk-based capital ratio | 13.8918% | 5,103 |
| Memoranda: | ||
| Average total assets | $663,609,000 | 1,003 |
| Average earning assets | $598,850,000 | 1,002 |
| Average equity | $70,845,000 | 950 |
| Average total loans | $489,368,500 | 896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 4,288 |
| Cost of funding earning assets | 1.1683% | 4,747 |
| Net interest margin | 3.8906% | 3,537 |
| Noninterest income to average assets | 1.0815% | 1,278 |
| Noninterest expense to average assets | 3.1417% | 3,305 |
| Loan and lease loss provision to assets | 0.7101% | 2,308 |
| Net operating income to assets | 0.5538% | 3,874 |
| Return on assets (ROA) | 0.5609% | 3,999 |
| Pretax return on assets | 0.7439% | 3,818 |
| Return on Equity (ROE) | 5.4670% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,135 |
| Net charge-offs to loans | 0.7547% | 2,756 |
| Credit loss provision to net charge-offs | 123.1188% | 3,380 |
| Earnings coverage of net charge-offs (x) | 2.5047% | 3,860 |
| Efficiency ratio | 68.5026% | 4,454 |
| Assets per employee ($millions) | 4.3822% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5537% | 1,340 |
| Loan loss allowance to noncurrent loans | 78.6957% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 3.0457% | 2,316 |
| Noncurrent loans to loans | 3.2450% | 2,341 |
| Net loans and leases to total assets | 72.0202% | 2,104 |
| Net loans and leases to deposits | 82.0224% | 2,800 |
| Net loans and leases to core deposits | 101.6017% | 1,485 |
| Total domestic deposits to total assets | 87.8054% | 2,363 |
| Equity capital to assets | 10.5919% | 3,071 |
| Core capital (leverage) ratio | 10.0760% | 2,994 |
| Tier 1 risk-based capital ratio | 12.4435% | 5,071 |
| Total risk-based capital ratio | 13.7053% | 5,048 |
| Memoranda: | ||
| Average total assets | $668,246,200 | 994 |
| Average earning assets | $601,968,000 | 1,006 |
| Average equity | $68,557,200 | 977 |
| Average total loans | $510,673,000 | 886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 4,378 |
| Cost of funding earning assets | 1.2051% | 4,847 |
| Net interest margin | 3.8837% | 3,595 |
| Noninterest income to average assets | 1.0632% | 1,270 |
| Noninterest expense to average assets | 3.1290% | 3,193 |
| Loan and lease loss provision to assets | 0.7842% | 1,945 |
| Net operating income to assets | 0.5049% | 4,293 |
| Return on assets (ROA) | 0.5073% | 4,471 |
| Pretax return on assets | 0.6568% | 4,399 |
| Return on Equity (ROE) | 4.9851% | 4,297 |
| Retained earnings to average equity (ytd only) | 4.9851% | 2,999 |
| Net charge-offs to loans | 0.9099% | 2,179 |
| Credit loss provision to net charge-offs | 111.8683% | 3,782 |
| Earnings coverage of net charge-offs (x) | 2.0511% | 4,186 |
| Efficiency ratio | 68.5160% | 4,371 |
| Assets per employee ($millions) | 4.4423% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 1,449 |
| Loan loss allowance to noncurrent loans | 84.3169% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,649 |
| Noncurrent loans to loans | 2.8654% | 2,787 |
| Net loans and leases to total assets | 73.3234% | 1,944 |
| Net loans and leases to deposits | 83.3364% | 2,826 |
| Net loans and leases to core deposits | 106.3926% | 1,295 |
| Total domestic deposits to total assets | 87.9848% | 1,969 |
| Equity capital to assets | 10.5879% | 3,424 |
| Core capital (leverage) ratio | 9.8853% | 3,377 |
| Tier 1 risk-based capital ratio | 12.0851% | 5,375 |
| Total risk-based capital ratio | 13.3472% | 5,337 |
| Memoranda: | ||
| Average total assets | $669,879,750 | 997 |
| Average earning assets | $604,327,250 | 1,010 |
| Average equity | $68,174,500 | 980 |
| Average total loans | $516,077,500 | 877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 4,365 |
| Cost of funding earning assets | 1.2525% | 4,810 |
| Net interest margin | 3.8642% | 3,615 |
| Noninterest income to average assets | 1.0450% | 1,236 |
| Noninterest expense to average assets | 3.1079% | 3,283 |
| Loan and lease loss provision to assets | 0.7256% | 2,007 |
| Net operating income to assets | 0.5321% | 4,185 |
| Return on assets (ROA) | 0.5362% | 4,315 |
| Pretax return on assets | 0.7033% | 4,227 |
| Return on Equity (ROE) | 5.3392% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.3392% | 2,703 |
| Net charge-offs to loans | 0.5054% | 3,012 |
| Credit loss provision to net charge-offs | 184.8485% | 2,132 |
| Earnings coverage of net charge-offs (x) | 3.6265% | 3,236 |
| Efficiency ratio | 68.5851% | 4,459 |
| Assets per employee ($millions) | 4.5221% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 1,319 |
| Loan loss allowance to noncurrent loans | 99.6162% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8707% | 2,510 |
| Noncurrent loans to loans | 2.4969% | 3,156 |
| Net loans and leases to total assets | 75.5196% | 1,589 |
| Net loans and leases to deposits | 87.9215% | 2,183 |
| Net loans and leases to core deposits | 110.4287% | 1,140 |
| Total domestic deposits to total assets | 85.8944% | 3,154 |
| Equity capital to assets | 10.4217% | 3,506 |
| Core capital (leverage) ratio | 9.7017% | 3,536 |
| Tier 1 risk-based capital ratio | 11.7910% | 5,501 |
| Total risk-based capital ratio | 13.0545% | 5,454 |
| Memoranda: | ||
| Average total assets | $672,537,670 | 1,004 |
| Average earning assets | $606,799,670 | 1,013 |
| Average equity | $67,538,670 | 986 |
| Average total loans | $522,320,670 | 872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0812% | 4,624 |
| Cost of funding earning assets | 1.2616% | 5,057 |
| Net interest margin | 3.8196% | 3,709 |
| Noninterest income to average assets | 1.0184% | 1,239 |
| Noninterest expense to average assets | 2.8749% | 4,164 |
| Loan and lease loss provision to assets | 0.7898% | 1,602 |
| Net operating income to assets | 0.5956% | 3,909 |
| Return on assets (ROA) | 0.5911% | 4,078 |
| Pretax return on assets | 0.7915% | 3,902 |
| Return on Equity (ROE) | 5.9966% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.9966% | 2,627 |
| Net charge-offs to loans | 0.5972% | 2,314 |
| Credit loss provision to net charge-offs | 170.0508% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.4175% | 2,914 |
| Efficiency ratio | 64.4301% | 5,405 |
| Assets per employee ($millions) | 4.5061% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,551 |
| Loan loss allowance to noncurrent loans | 69.4762% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 3.2447% | 2,207 |
| Noncurrent loans to loans | 3.3344% | 2,398 |
| Net loans and leases to total assets | 75.7970% | 1,587 |
| Net loans and leases to deposits | 91.2884% | 1,714 |
| Net loans and leases to core deposits | 106.7892% | 1,507 |
| Total domestic deposits to total assets | 83.0302% | 4,610 |
| Equity capital to assets | 9.9953% | 3,883 |
| Core capital (leverage) ratio | 9.3876% | 3,925 |
| Tier 1 risk-based capital ratio | 11.3019% | 5,853 |
| Total risk-based capital ratio | 12.5631% | 5,808 |
| Memoranda: | ||
| Average total assets | $678,693,000 | 1,013 |
| Average earning assets | $611,900,000 | 1,024 |
| Average equity | $66,904,500 | 995 |
| Average total loans | $527,821,500 | 891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 6,209 |
| Cost of funding earning assets | 1.7615% | 4,196 |
| Net interest margin | 3.3046% | 5,719 |
| Noninterest income to average assets | 0.5202% | 4,261 |
| Noninterest expense to average assets | 2.8064% | 4,958 |
| Loan and lease loss provision to assets | 1.5594% | 1,473 |
| Net operating income to assets | -0.5876% | 6,257 |
| Return on assets (ROA) | -0.6386% | 6,303 |
| Pretax return on assets | -0.8858% | 6,335 |
| Return on Equity (ROE) | -7.0984% | 6,389 |
| Retained earnings to average equity (ytd only) | -7.0984% | 6,247 |
| Net charge-offs to loans | 1.7801% | 1,409 |
| Credit loss provision to net charge-offs | 109.6303% | 5,024 |
| Earnings coverage of net charge-offs (x) | 0.5234% | 5,595 |
| Efficiency ratio | 79.0337% | 3,034 |
| Assets per employee ($millions) | 4.6677% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,678 |
| Loan loss allowance to noncurrent loans | 81.0369% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.7801% | 2,514 |
| Noncurrent loans to loans | 2.6944% | 2,858 |
| Net loans and leases to total assets | 76.2427% | 1,737 |
| Net loans and leases to deposits | 91.1732% | 2,019 |
| Net loans and leases to core deposits | 103.4005% | 3,639 |
| Total domestic deposits to total assets | 83.6240% | 4,220 |
| Equity capital to assets | 9.7215% | 4,117 |
| Core capital (leverage) ratio | 9.3007% | 3,974 |
| Tier 1 risk-based capital ratio | 11.0587% | 5,865 |
| Total risk-based capital ratio | 12.3186% | 5,818 |
| Memoranda: | ||
| Average total assets | $688,389,400 | 997 |
| Average earning assets | $631,332,400 | 993 |
| Average equity | $61,929,600 | 1,069 |
| Average total loans | $550,067,600 | 870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 6,497 |
| Cost of funding earning assets | 1.8431% | 4,185 |
| Net interest margin | 3.1920% | 6,051 |
| Noninterest income to average assets | 0.5066% | 4,430 |
| Noninterest expense to average assets | 2.8078% | 4,864 |
| Loan and lease loss provision to assets | 1.8364% | 1,013 |
| Net operating income to assets | -0.7038% | 6,608 |
| Return on assets (ROA) | -0.7429% | 6,653 |
| Pretax return on assets | -1.2585% | 6,842 |
| Return on Equity (ROE) | -8.4250% | 6,766 |
| Retained earnings to average equity (ytd only) | -8.4250% | 6,652 |
| Net charge-offs to loans | 1.2629% | 1,623 |
| Credit loss provision to net charge-offs | 180.8754% | 2,529 |
| Earnings coverage of net charge-offs (x) | 0.6293% | 5,397 |
| Efficiency ratio | 81.4630% | 2,652 |
| Assets per employee ($millions) | 4.7435% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7732% | 816 |
| Loan loss allowance to noncurrent loans | 67.6731% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 3.8623% | 1,663 |
| Noncurrent loans to loans | 4.0980% | 1,783 |
| Net loans and leases to total assets | 77.5802% | 1,655 |
| Net loans and leases to deposits | 87.8621% | 2,989 |
| Net loans and leases to core deposits | 99.0612% | 4,479 |
| Total domestic deposits to total assets | 88.2977% | 1,517 |
| Equity capital to assets | 8.8910% | 5,648 |
| Core capital (leverage) ratio | 8.5007% | 5,494 |
| Tier 1 risk-based capital ratio | 10.2916% | 6,691 |
| Total risk-based capital ratio | 11.5589% | 6,620 |
| Memoranda: | ||
| Average total assets | $690,117,250 | 1,004 |
| Average earning assets | $635,655,750 | 996 |
| Average equity | $60,849,500 | 1,108 |
| Average total loans | $554,790,750 | 880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 6,881 |
| Cost of funding earning assets | 1.8995% | 4,268 |
| Net interest margin | 3.0678% | 6,342 |
| Noninterest income to average assets | 0.4761% | 4,666 |
| Noninterest expense to average assets | 2.8170% | 4,883 |
| Loan and lease loss provision to assets | 2.1592% | 739 |
| Net operating income to assets | -0.9780% | 6,963 |
| Return on assets (ROA) | -0.9422% | 6,934 |
| Pretax return on assets | -1.6037% | 7,132 |
| Return on Equity (ROE) | -10.7143% | 7,090 |
| Retained earnings to average equity (ytd only) | -10.7143% | 6,946 |
| Net charge-offs to loans | 1.4485% | 1,306 |
| Credit loss provision to net charge-offs | 184.9754% | 2,475 |
| Earnings coverage of net charge-offs (x) | 0.4278% | 5,267 |
| Efficiency ratio | 84.9415% | 2,372 |
| Assets per employee ($millions) | 4.4295% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5141% | 885 |
| Loan loss allowance to noncurrent loans | 65.5345% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 3.7504% | 1,633 |
| Noncurrent loans to loans | 3.8362% | 1,773 |
| Net loans and leases to total assets | 80.1794% | 1,282 |
| Net loans and leases to deposits | 91.6920% | 2,527 |
| Net loans and leases to core deposits | 106.0564% | 3,838 |
| Total domestic deposits to total assets | 87.4443% | 2,037 |
| Equity capital to assets | 8.6416% | 5,833 |
| Core capital (leverage) ratio | 8.3194% | 5,761 |
| Tier 1 risk-based capital ratio | 10.0361% | 6,882 |
| Total risk-based capital ratio | 11.3006% | 6,794 |
| Memoranda: | ||
| Average total assets | $695,633,000 | 1,011 |
| Average earning assets | $644,050,330 | 994 |
| Average equity | $61,170,330 | 1,116 |
| Average total loans | $560,567,000 | 895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 7,282 |
| Cost of funding earning assets | 1.9030% | 4,619 |
| Net interest margin | 2.9501% | 6,615 |
| Noninterest income to average assets | 0.4237% | 5,015 |
| Noninterest expense to average assets | 2.3349% | 6,419 |
| Loan and lease loss provision to assets | 0.5467% | 2,285 |
| Net operating income to assets | 0.2559% | 5,462 |
| Return on assets (ROA) | 0.3571% | 5,220 |
| Pretax return on assets | 0.3833% | 5,447 |
| Return on Equity (ROE) | 4.0269% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.0269% | 3,662 |
| Net charge-offs to loans | 0.0835% | 4,329 |
| Credit loss provision to net charge-offs | 820.5128% | 733 |
| Earnings coverage of net charge-offs (x) | 12.3248% | 1,812 |
| Efficiency ratio | 73.9805% | 3,828 |
| Assets per employee ($millions) | 4.5345% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 1,318 |
| Loan loss allowance to noncurrent loans | 86.1984% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5872% | 2,214 |
| Noncurrent loans to loans | 2.3841% | 2,761 |
| Net loans and leases to total assets | 76.9748% | 2,045 |
| Net loans and leases to deposits | 88.2753% | 3,242 |
| Net loans and leases to core deposits | 104.7629% | 4,053 |
| Total domestic deposits to total assets | 87.1986% | 2,122 |
| Equity capital to assets | 8.8617% | 5,537 |
| Core capital (leverage) ratio | 9.0167% | 4,682 |
| Tier 1 risk-based capital ratio | 10.8119% | 6,083 |
| Total risk-based capital ratio | 12.0711% | 5,979 |
| Memoranda: | ||
| Average total assets | $702,377,500 | 1,003 |
| Average earning assets | $650,562,000 | 988 |
| Average equity | $62,281,500 | 1,093 |
| Average total loans | $560,328,500 | 900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 6,071 |
| Cost of funding earning assets | 2.4535% | 4,454 |
| Net interest margin | 3.4389% | 5,508 |
| Noninterest income to average assets | 0.4324% | 5,193 |
| Noninterest expense to average assets | 2.5819% | 5,710 |
| Loan and lease loss provision to assets | 0.6345% | 2,289 |
| Net operating income to assets | 0.3460% | 5,369 |
| Return on assets (ROA) | 0.3542% | 5,140 |
| Pretax return on assets | 0.3975% | 5,262 |
| Return on Equity (ROE) | 4.1941% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.1941% | 2,512 |
| Net charge-offs to loans | 0.3471% | 3,096 |
| Credit loss provision to net charge-offs | 225.2432% | 2,111 |
| Earnings coverage of net charge-offs (x) | 3.6308% | 4,281 |
| Efficiency ratio | 71.6269% | 4,007 |
| Assets per employee ($millions) | 4.4699% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 1,420 |
| Loan loss allowance to noncurrent loans | 63.0675% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.8222% | 1,666 |
| Noncurrent loans to loans | 3.0104% | 1,780 |
| Net loans and leases to total assets | 79.4570% | 1,787 |
| Net loans and leases to deposits | 93.6176% | 2,833 |
| Net loans and leases to core deposits | 111.6395% | 3,601 |
| Total domestic deposits to total assets | 84.8740% | 2,901 |
| Equity capital to assets | 8.8729% | 5,536 |
| Core capital (leverage) ratio | 8.9518% | 4,806 |
| Tier 1 risk-based capital ratio | 10.7475% | 5,959 |
| Total risk-based capital ratio | 12.0053% | 5,858 |
| Memoranda: | ||
| Average total assets | $693,337,600 | 967 |
| Average earning assets | $639,570,200 | 949 |
| Average equity | $58,557,800 | 1,144 |
| Average total loans | $562,595,000 | 845 |