Home > Traders Bank > Performance and Condition Ratios
Traders Bank, Performance and Condition Ratios
| 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 | 1.4232% | 6,371 |
| Cost of funding earning assets | 0.1229% | 6,098 |
| Net interest margin | 1.3002% | 6,366 |
| Noninterest income to average assets | 0.1921% | 5,558 |
| Noninterest expense to average assets | 0.9677% | 6,369 |
| Loan and lease loss provision to assets | 1.2312% | 57 |
| Net operating income to assets | -0.4925% | 6,244 |
| Return on assets (ROA) | -0.4925% | 6,253 |
| Pretax return on assets | -0.8348% | 6,297 |
| Return on Equity (ROE) | -4.5993% | 6,251 |
| Retained earnings to average equity (ytd only) | -4.5993% | 5,905 |
| Net charge-offs to loans | 0.4516% | 547 |
| Credit loss provision to net charge-offs | 409.8361% | 645 |
| Earnings coverage of net charge-offs (x) | 1.3197% | 2,937 |
| Efficiency ratio | 69.8556% | 3,512 |
| Assets per employee ($millions) | 3.4736% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 6,185 |
| Loan loss allowance to noncurrent loans | 43.7772% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 2,934 |
| Noncurrent loans to loans | 1.0862% | 2,587 |
| Net loans and leases to total assets | 61.8531% | 3,391 |
| Net loans and leases to deposits | 69.8420% | 3,763 |
| Net loans and leases to core deposits | 75.5964% | 3,634 |
| Total domestic deposits to total assets | 88.5614% | 1,516 |
| Equity capital to assets | 11.1894% | 2,765 |
| Core capital (leverage) ratio | 8.5393% | 5,486 |
| Tier 1 risk-based capital ratio | 12.7655% | 4,748 |
| Total risk-based capital ratio | 13.2635% | 5,124 |
| Memoranda: | ||
| Average total assets | $162,439,500 | 3,479 |
| Average earning assets | $146,434,000 | 3,528 |
| Average equity | $17,394,000 | 3,535 |
| Average total loans | $108,049,000 | 3,302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,078 |
| Cost of funding earning assets | 0.4365% | 3,317 |
| Net interest margin | 4.3824% | 908 |
| Noninterest income to average assets | 0.6519% | 2,538 |
| Noninterest expense to average assets | 3.3256% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1960% | 1,595 |
| Return on assets (ROA) | 1.2286% | 1,553 |
| Pretax return on assets | 1.3070% | 2,220 |
| Return on Equity (ROE) | 12.6479% | 1,224 |
| Retained earnings to average equity (ytd only) | 2.0033% | 4,785 |
| Net charge-offs to loans | 0.0635% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.1324% | 1,371 |
| Efficiency ratio | 72.3285% | 3,151 |
| Assets per employee ($millions) | 3.2224% | 5,404 |
| Cash dividends to net income (ytd only)* | 84.1610% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,567 |
| Loan loss allowance to noncurrent loans | 105.7680% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.5234% | 911 |
| Noncurrent loans to loans | 1.3987% | 2,095 |
| Net loans and leases to total assets | 70.2678% | 2,194 |
| Net loans and leases to deposits | 78.4629% | 2,914 |
| Net loans and leases to core deposits | 81.2916% | 3,169 |
| Total domestic deposits to total assets | 89.5555% | 944 |
| Equity capital to assets | 10.1782% | 3,884 |
| Core capital (leverage) ratio | 10.0183% | 3,545 |
| Tier 1 risk-based capital ratio | 14.5638% | 3,740 |
| Total risk-based capital ratio | 15.7951% | 3,684 |
| Memoranda: | ||
| Average total assets | $155,699,800 | 3,557 |
| Average earning assets | $140,195,800 | 3,605 |
| Average equity | $15,125,000 | 3,811 |
| Average total loans | $107,109,200 | 3,286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,107 |
| Cost of funding earning assets | 0.4473% | 3,285 |
| Net interest margin | 4.3517% | 954 |
| Noninterest income to average assets | 0.6703% | 2,472 |
| Noninterest expense to average assets | 3.3350% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1628% | 1,814 |
| Return on assets (ROA) | 1.1977% | 1,758 |
| Pretax return on assets | 1.2815% | 2,450 |
| Return on Equity (ROE) | 12.4775% | 1,345 |
| Retained earnings to average equity (ytd only) | 1.7456% | 5,178 |
| Net charge-offs to loans | 0.0890% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.4939% | 1,729 |
| Efficiency ratio | 72.8342% | 3,033 |
| Assets per employee ($millions) | 3.3440% | 5,155 |
| Cash dividends to net income (ytd only)* | 86.0103% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 2,830 |
| Loan loss allowance to noncurrent loans | 96.8490% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 938 |
| Noncurrent loans to loans | 1.5258% | 2,120 |
| Net loans and leases to total assets | 69.1040% | 2,348 |
| Net loans and leases to deposits | 77.0082% | 3,066 |
| Net loans and leases to core deposits | 79.8920% | 3,323 |
| Total domestic deposits to total assets | 89.7359% | 856 |
| Equity capital to assets | 9.8824% | 4,317 |
| Core capital (leverage) ratio | 9.9709% | 3,723 |
| Tier 1 risk-based capital ratio | 14.7609% | 3,726 |
| Total risk-based capital ratio | 16.0098% | 3,668 |
| Memoranda: | ||
| Average total assets | $155,956,250 | 3,581 |
| Average earning assets | $140,081,000 | 3,628 |
| Average equity | $14,970,500 | 3,863 |
| Average total loans | $106,307,000 | 3,322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 1,143 |
| Cost of funding earning assets | 0.4604% | 3,210 |
| Net interest margin | 4.3042% | 1,016 |
| Noninterest income to average assets | 0.6622% | 2,475 |
| Noninterest expense to average assets | 3.1655% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2886% | 1,346 |
| Return on assets (ROA) | 1.3333% | 1,269 |
| Pretax return on assets | 1.4143% | 1,846 |
| Return on Equity (ROE) | 14.0293% | 949 |
| Retained earnings to average equity (ytd only) | 2.8681% | 4,377 |
| Net charge-offs to loans | 0.1010% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.0566% | 1,596 |
| Efficiency ratio | 69.8440% | 3,681 |
| Assets per employee ($millions) | 3.2231% | 5,388 |
| Cash dividends to net income (ytd only)* | 79.5564% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,920 |
| Loan loss allowance to noncurrent loans | 107.8585% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6049% | 1,046 |
| Noncurrent loans to loans | 1.3873% | 2,483 |
| Net loans and leases to total assets | 68.6527% | 2,299 |
| Net loans and leases to deposits | 76.3005% | 3,019 |
| Net loans and leases to core deposits | 79.1298% | 3,309 |
| Total domestic deposits to total assets | 89.9768% | 824 |
| Equity capital to assets | 9.7433% | 4,436 |
| Core capital (leverage) ratio | 9.9840% | 3,638 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,793 |
| Total risk-based capital ratio | 15.9782% | 3,744 |
| Memoranda: | ||
| Average total assets | $155,552,000 | 3,599 |
| Average earning assets | $139,864,000 | 3,650 |
| Average equity | $14,783,330 | 3,895 |
| Average total loans | $104,996,330 | 3,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,304 |
| Cost of funding earning assets | 0.4786% | 3,126 |
| Net interest margin | 4.2016% | 1,213 |
| Noninterest income to average assets | 0.6582% | 2,413 |
| Noninterest expense to average assets | 3.4206% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9860% | 2,264 |
| Return on assets (ROA) | 1.0106% | 2,239 |
| Pretax return on assets | 1.0624% | 3,075 |
| Return on Equity (ROE) | 10.7727% | 1,770 |
| Retained earnings to average equity (ytd only) | -5.8007% | 6,169 |
| Net charge-offs to loans | 0.0937% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,498 |
| Efficiency ratio | 76.7442% | 2,680 |
| Assets per employee ($millions) | 3.0422% | 5,790 |
| Cash dividends to net income (ytd only)* | 153.8462% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 2,643 |
| Loan loss allowance to noncurrent loans | 115.8950% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.6103% | 1,191 |
| Noncurrent loans to loans | 1.3920% | 2,699 |
| Net loans and leases to total assets | 65.9166% | 2,577 |
| Net loans and leases to deposits | 72.9751% | 3,208 |
| Net loans and leases to core deposits | 76.0758% | 3,404 |
| Total domestic deposits to total assets | 90.3275% | 906 |
| Equity capital to assets | 9.4082% | 4,616 |
| Core capital (leverage) ratio | 9.8562% | 3,781 |
| Tier 1 risk-based capital ratio | 14.8084% | 3,808 |
| Total risk-based capital ratio | 16.0636% | 3,761 |
| Memoranda: | ||
| Average total assets | $154,361,000 | 3,642 |
| Average earning assets | $139,567,000 | 3,673 |
| Average equity | $14,481,000 | 3,952 |
| Average total loans | $102,458,000 | 3,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 1,101 |
| Cost of funding earning assets | 0.5935% | 2,725 |
| Net interest margin | 4.3054% | 1,094 |
| Noninterest income to average assets | 0.8617% | 1,822 |
| Noninterest expense to average assets | 3.3120% | 2,112 |
| Loan and lease loss provision to assets | 0.2247% | 1,621 |
| Net operating income to assets | 1.1365% | 1,809 |
| Return on assets (ROA) | 1.1365% | 1,872 |
| Pretax return on assets | 1.2142% | 2,521 |
| Return on Equity (ROE) | 12.2175% | 1,349 |
| Retained earnings to average equity (ytd only) | 4.0932% | 3,271 |
| Net charge-offs to loans | 0.6637% | 978 |
| Credit loss provision to net charge-offs | 51.9288% | 3,767 |
| Earnings coverage of net charge-offs (x) | 3.3249% | 3,890 |
| Efficiency ratio | 69.7121% | 3,881 |
| Assets per employee ($millions) | 2.9533% | 5,904 |
| Cash dividends to net income (ytd only)* | 66.4972% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 2,453 |
| Loan loss allowance to noncurrent loans | 114.9425% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.6633% | 1,260 |
| Noncurrent loans to loans | 1.4648% | 2,693 |
| Net loans and leases to total assets | 64.6402% | 2,933 |
| Net loans and leases to deposits | 71.4976% | 3,589 |
| Net loans and leases to core deposits | 76.2105% | 3,585 |
| Total domestic deposits to total assets | 90.4089% | 871 |
| Equity capital to assets | 9.3540% | 4,618 |
| Core capital (leverage) ratio | 9.7723% | 3,882 |
| Tier 1 risk-based capital ratio | 15.5799% | 3,323 |
| Total risk-based capital ratio | 16.8355% | 3,273 |
| Memoranda: | ||
| Average total assets | $155,734,800 | 3,619 |
| Average earning assets | $140,683,200 | 3,655 |
| Average equity | $14,487,400 | 3,967 |
| Average total loans | $101,554,200 | 3,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 1,352 |
| Cost of funding earning assets | 0.6092% | 2,738 |
| Net interest margin | 4.1869% | 1,378 |
| Noninterest income to average assets | 0.9052% | 1,741 |
| Noninterest expense to average assets | 3.2344% | 2,249 |
| Loan and lease loss provision to assets | 0.2986% | 1,137 |
| Net operating income to assets | 1.0844% | 2,071 |
| Return on assets (ROA) | 1.0844% | 2,150 |
| Pretax return on assets | 1.1484% | 2,903 |
| Return on Equity (ROE) | 11.6725% | 1,586 |
| Retained earnings to average equity (ytd only) | 2.8929% | 4,594 |
| Net charge-offs to loans | 0.8115% | 722 |
| Credit loss provision to net charge-offs | 56.5428% | 3,365 |
| Earnings coverage of net charge-offs (x) | 2.7399% | 3,921 |
| Efficiency ratio | 69.0906% | 3,903 |
| Assets per employee ($millions) | 3.0302% | 5,796 |
| Cash dividends to net income (ytd only)* | 75.2163% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 2,484 |
| Loan loss allowance to noncurrent loans | 81.1373% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 3.0355% | 1,214 |
| Noncurrent loans to loans | 2.1450% | 2,080 |
| Net loans and leases to total assets | 62.8836% | 3,186 |
| Net loans and leases to deposits | 69.3387% | 3,880 |
| Net loans and leases to core deposits | 73.8146% | 3,871 |
| Total domestic deposits to total assets | 90.6904% | 661 |
| Equity capital to assets | 9.0456% | 5,131 |
| Core capital (leverage) ratio | 9.6982% | 4,109 |
| Tier 1 risk-based capital ratio | 15.0429% | 3,729 |
| Total risk-based capital ratio | 16.2998% | 3,676 |
| Memoranda: | ||
| Average total assets | $156,276,000 | 3,645 |
| Average earning assets | $140,945,750 | 3,688 |
| Average equity | $14,518,000 | 4,008 |
| Average total loans | $101,700,750 | 3,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,343 |
| Cost of funding earning assets | 0.6273% | 2,713 |
| Net interest margin | 4.1637% | 1,364 |
| Noninterest income to average assets | 0.8919% | 1,839 |
| Noninterest expense to average assets | 3.2045% | 2,345 |
| Loan and lease loss provision to assets | 0.4492% | 647 |
| Net operating income to assets | 0.9394% | 2,620 |
| Return on assets (ROA) | 0.9394% | 2,764 |
| Pretax return on assets | 1.0036% | 3,497 |
| Return on Equity (ROE) | 10.0231% | 2,191 |
| Retained earnings to average equity (ytd only) | -1.2186% | 6,078 |
| Net charge-offs to loans | 1.1492% | 511 |
| Credit loss provision to net charge-offs | 59.7270% | 3,024 |
| Earnings coverage of net charge-offs (x) | 1.9317% | 3,874 |
| Efficiency ratio | 68.8068% | 4,038 |
| Assets per employee ($millions) | 2.9393% | 5,948 |
| Cash dividends to net income (ytd only)* | 112.1585% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,513 |
| Loan loss allowance to noncurrent loans | 63.9714% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.7021% | 1,546 |
| Noncurrent loans to loans | 2.7732% | 1,635 |
| Net loans and leases to total assets | 64.7698% | 2,799 |
| Net loans and leases to deposits | 71.5650% | 3,517 |
| Net loans and leases to core deposits | 76.5007% | 3,484 |
| Total domestic deposits to total assets | 90.5048% | 754 |
| Equity capital to assets | 9.1838% | 5,014 |
| Core capital (leverage) ratio | 9.5168% | 4,218 |
| Tier 1 risk-based capital ratio | 14.9625% | 3,801 |
| Total risk-based capital ratio | 16.2196% | 3,762 |
| Memoranda: | ||
| Average total assets | $155,845,000 | 3,675 |
| Average earning assets | $140,932,000 | 3,712 |
| Average equity | $14,606,330 | 4,021 |
| Average total loans | $101,987,670 | 3,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 1,764 |
| Cost of funding earning assets | 0.6334% | 2,809 |
| Net interest margin | 3.9892% | 1,833 |
| Noninterest income to average assets | 0.8898% | 1,792 |
| Noninterest expense to average assets | 3.2082% | 2,324 |
| Loan and lease loss provision to assets | 0.1907% | 1,930 |
| Net operating income to assets | 1.0169% | 2,157 |
| Return on assets (ROA) | 1.0169% | 2,275 |
| Pretax return on assets | 1.0931% | 2,979 |
| Return on Equity (ROE) | 10.7447% | 1,777 |
| Retained earnings to average equity (ytd only) | -6.9841% | 6,474 |
| Net charge-offs to loans | -0.0078% | 5,365 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4205% | 3,731 |
| Assets per employee ($millions) | 3.0806% | 5,855 |
| Cash dividends to net income (ytd only)* | 165.0000% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0533% | 1,910 |
| Loan loss allowance to noncurrent loans | 52.3548% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 3.3900% | 1,276 |
| Noncurrent loans to loans | 3.9219% | 1,164 |
| Net loans and leases to total assets | 63.7899% | 2,749 |
| Net loans and leases to deposits | 70.6219% | 3,372 |
| Net loans and leases to core deposits | 75.3564% | 3,402 |
| Total domestic deposits to total assets | 90.3259% | 867 |
| Equity capital to assets | 9.3533% | 5,059 |
| Core capital (leverage) ratio | 9.3154% | 4,373 |
| Tier 1 risk-based capital ratio | 14.5096% | 4,170 |
| Total risk-based capital ratio | 15.7702% | 4,125 |
| Memoranda: | ||
| Average total assets | $157,344,500 | 3,692 |
| Average earning assets | $142,082,000 | 3,730 |
| Average equity | $14,891,000 | 4,016 |
| Average total loans | $102,588,500 | 3,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 1,714 |
| Cost of funding earning assets | 0.7173% | 3,350 |
| Net interest margin | 4.2231% | 1,594 |
| Noninterest income to average assets | 0.5702% | 3,446 |
| Noninterest expense to average assets | 3.3727% | 2,122 |
| Loan and lease loss provision to assets | 0.4723% | 1,312 |
| Net operating income to assets | 0.5095% | 4,645 |
| Return on assets (ROA) | 1.0462% | 2,335 |
| Pretax return on assets | 1.1232% | 3,071 |
| Return on Equity (ROE) | 11.0563% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.4098% | 998 |
| Net charge-offs to loans | 0.6345% | 1,849 |
| Credit loss provision to net charge-offs | 111.7293% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.4090% | 4,205 |
| Efficiency ratio | 76.8095% | 2,626 |
| Assets per employee ($millions) | 2.9732% | 6,054 |
| Cash dividends to net income (ytd only)* | 23.9368% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 2,111 |
| Loan loss allowance to noncurrent loans | 54.4232% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 3.0836% | 1,523 |
| Noncurrent loans to loans | 3.6158% | 1,357 |
| Net loans and leases to total assets | 63.9880% | 2,900 |
| Net loans and leases to deposits | 71.0187% | 3,558 |
| Net loans and leases to core deposits | 75.7729% | 3,563 |
| Total domestic deposits to total assets | 90.1001% | 899 |
| Equity capital to assets | 9.5743% | 4,785 |
| Core capital (leverage) ratio | 9.3852% | 4,274 |
| Tier 1 risk-based capital ratio | 14.7143% | 3,885 |
| Total risk-based capital ratio | 15.9741% | 3,834 |
| Memoranda: | ||
| Average total assets | $157,324,000 | 3,664 |
| Average earning assets | $142,334,600 | 3,692 |
| Average equity | $14,887,400 | 3,988 |
| Average total loans | $104,804,800 | 3,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 1,713 |
| Cost of funding earning assets | 0.7291% | 3,528 |
| Net interest margin | 4.2614% | 1,571 |
| Noninterest income to average assets | 0.8165% | 2,170 |
| Noninterest expense to average assets | 3.2379% | 2,457 |
| Loan and lease loss provision to assets | 0.2060% | 3,013 |
| Net operating income to assets | 1.1707% | 1,829 |
| Return on assets (ROA) | 1.3540% | 1,460 |
| Pretax return on assets | 1.4328% | 2,136 |
| Return on Equity (ROE) | 14.3507% | 1,036 |
| Retained earnings to average equity (ytd only) | 10.8102% | 717 |
| Net charge-offs to loans | 0.1026% | 4,368 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 21.0242% | 1,426 |
| Efficiency ratio | 69.1597% | 3,855 |
| Assets per employee ($millions) | 3.0126% | 6,032 |
| Cash dividends to net income (ytd only)* | 24.6713% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 2,096 |
| Loan loss allowance to noncurrent loans | 42.5773% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 4.2438% | 1,116 |
| Noncurrent loans to loans | 4.7583% | 977 |
| Net loans and leases to total assets | 65.0744% | 2,822 |
| Net loans and leases to deposits | 72.5864% | 3,515 |
| Net loans and leases to core deposits | 78.4693% | 3,400 |
| Total domestic deposits to total assets | 89.6510% | 1,046 |
| Equity capital to assets | 9.9468% | 4,573 |
| Core capital (leverage) ratio | 9.3231% | 4,542 |
| Tier 1 risk-based capital ratio | 14.4796% | 4,197 |
| Total risk-based capital ratio | 15.7402% | 4,161 |
| Memoranda: | ||
| Average total assets | $157,260,500 | 3,699 |
| Average earning assets | $142,641,750 | 3,722 |
| Average equity | $14,837,500 | 4,041 |
| Average total loans | $105,292,250 | 3,423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 1,773 |
| Cost of funding earning assets | 0.7450% | 3,642 |
| Net interest margin | 4.2615% | 1,575 |
| Noninterest income to average assets | 0.9018% | 1,783 |
| Noninterest expense to average assets | 3.2744% | 2,376 |
| Loan and lease loss provision to assets | 0.3086% | 2,141 |
| Net operating income to assets | 1.1258% | 1,960 |
| Return on assets (ROA) | 1.3997% | 1,334 |
| Pretax return on assets | 1.4721% | 1,949 |
| Return on Equity (ROE) | 15.1069% | 920 |
| Retained earnings to average equity (ytd only) | 9.7057% | 1,056 |
| Net charge-offs to loans | 0.0341% | 4,903 |
| Credit loss provision to net charge-offs | 1,350.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 65.2778% | 597 |
| Efficiency ratio | 68.6917% | 4,003 |
| Assets per employee ($millions) | 3.0281% | 6,012 |
| Cash dividends to net income (ytd only)* | 35.7532% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0448% | 2,119 |
| Loan loss allowance to noncurrent loans | 44.3152% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.4735% | 1,113 |
| Noncurrent loans to loans | 4.6143% | 1,132 |
| Net loans and leases to total assets | 66.0489% | 2,659 |
| Net loans and leases to deposits | 73.3583% | 3,400 |
| Net loans and leases to core deposits | 78.7253% | 3,409 |
| Total domestic deposits to total assets | 90.0361% | 902 |
| Equity capital to assets | 9.5301% | 5,020 |
| Core capital (leverage) ratio | 9.0776% | 4,794 |
| Tier 1 risk-based capital ratio | 13.6840% | 4,685 |
| Total risk-based capital ratio | 14.9450% | 4,649 |
| Memoranda: | ||
| Average total assets | $157,463,000 | 3,708 |
| Average earning assets | $142,814,000 | 3,740 |
| Average equity | $14,589,330 | 4,074 |
| Average total loans | $105,706,670 | 3,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 1,630 |
| Cost of funding earning assets | 0.7623% | 3,772 |
| Net interest margin | 4.3205% | 1,405 |
| Noninterest income to average assets | 0.8891% | 1,793 |
| Noninterest expense to average assets | 3.3989% | 2,010 |
| Loan and lease loss provision to assets | 0.3810% | 1,657 |
| Net operating income to assets | 0.9600% | 2,639 |
| Return on assets (ROA) | 1.2930% | 1,647 |
| Pretax return on assets | 1.3616% | 2,326 |
| Return on Equity (ROE) | 14.1576% | 1,158 |
| Retained earnings to average equity (ytd only) | 14.1576% | 552 |
| Net charge-offs to loans | -0.2958% | 7,063 |
| Credit loss provision to net charge-offs | -192.3077% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9438% | 3,634 |
| Assets per employee ($millions) | 3.1719% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 2,198 |
| Loan loss allowance to noncurrent loans | 58.7726% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.5909% | 1,588 |
| Noncurrent loans to loans | 3.4993% | 1,786 |
| Net loans and leases to total assets | 65.2799% | 2,603 |
| Net loans and leases to deposits | 72.2298% | 3,398 |
| Net loans and leases to core deposits | 77.6224% | 3,383 |
| Total domestic deposits to total assets | 90.3781% | 878 |
| Equity capital to assets | 9.2454% | 5,167 |
| Core capital (leverage) ratio | 9.0432% | 4,772 |
| Tier 1 risk-based capital ratio | 13.5853% | 4,764 |
| Total risk-based capital ratio | 14.8463% | 4,743 |
| Memoranda: | ||
| Average total assets | $157,465,000 | 3,734 |
| Average earning assets | $142,207,000 | 3,785 |
| Average equity | $14,381,000 | 4,116 |
| Average total loans | $105,474,500 | 3,470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4398% | 1,324 |
| Cost of funding earning assets | 0.9622% | 3,624 |
| Net interest margin | 4.4776% | 1,188 |
| Noninterest income to average assets | 0.8609% | 1,799 |
| Noninterest expense to average assets | 3.6692% | 1,597 |
| Loan and lease loss provision to assets | 0.6173% | 1,672 |
| Net operating income to assets | 0.5852% | 4,074 |
| Return on assets (ROA) | 0.6070% | 4,149 |
| Pretax return on assets | 0.6457% | 4,530 |
| Return on Equity (ROE) | 7.2238% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,398 |
| Net charge-offs to loans | 0.6027% | 2,644 |
| Credit loss provision to net charge-offs | 142.3477% | 2,046 |
| Earnings coverage of net charge-offs (x) | 2.8588% | 3,781 |
| Efficiency ratio | 74.7440% | 3,100 |
| Assets per employee ($millions) | 2.9497% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,714 |
| Loan loss allowance to noncurrent loans | 85.6137% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.7377% | 2,222 |
| Noncurrent loans to loans | 2.1598% | 2,996 |
| Net loans and leases to total assets | 66.0750% | 2,767 |
| Net loans and leases to deposits | 72.8896% | 3,681 |
| Net loans and leases to core deposits | 78.1009% | 3,672 |
| Total domestic deposits to total assets | 90.6507% | 645 |
| Equity capital to assets | 9.0186% | 5,532 |
| Core capital (leverage) ratio | 8.8099% | 5,085 |
| Tier 1 risk-based capital ratio | 13.1387% | 4,963 |
| Total risk-based capital ratio | 14.3976% | 4,936 |
| Memoranda: | ||
| Average total assets | $155,182,600 | 3,716 |
| Average earning assets | $140,298,200 | 3,740 |
| Average equity | $13,040,200 | 4,335 |
| Average total loans | $111,668,400 | 3,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 1,145 |
| Cost of funding earning assets | 1.0119% | 3,599 |
| Net interest margin | 4.5369% | 1,073 |
| Noninterest income to average assets | 0.8745% | 1,741 |
| Noninterest expense to average assets | 3.5972% | 1,717 |
| Loan and lease loss provision to assets | 0.6525% | 1,503 |
| Net operating income to assets | 0.7079% | 3,575 |
| Return on assets (ROA) | 0.7377% | 3,610 |
| Pretax return on assets | 0.7661% | 4,256 |
| Return on Equity (ROE) | 8.9440% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.9440% | 1,165 |
| Net charge-offs to loans | 0.7121% | 2,133 |
| Credit loss provision to net charge-offs | 125.2893% | 2,562 |
| Earnings coverage of net charge-offs (x) | 2.6645% | 3,787 |
| Efficiency ratio | 72.1637% | 3,520 |
| Assets per employee ($millions) | 2.8608% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,361 |
| Loan loss allowance to noncurrent loans | 87.3796% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 2.6858% | 2,411 |
| Noncurrent loans to loans | 1.9164% | 3,477 |
| Net loans and leases to total assets | 68.9496% | 2,288 |
| Net loans and leases to deposits | 76.1206% | 3,310 |
| Net loans and leases to core deposits | 81.6274% | 3,386 |
| Total domestic deposits to total assets | 90.5794% | 593 |
| Equity capital to assets | 9.0853% | 5,651 |
| Core capital (leverage) ratio | 8.7120% | 5,389 |
| Tier 1 risk-based capital ratio | 12.8273% | 5,221 |
| Total risk-based capital ratio | 14.0795% | 5,201 |
| Memoranda: | ||
| Average total assets | $154,895,000 | 3,744 |
| Average earning assets | $140,326,000 | 3,759 |
| Average equity | $12,775,500 | 4,389 |
| Average total loans | $113,274,750 | 3,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 1,173 |
| Cost of funding earning assets | 1.0544% | 3,571 |
| Net interest margin | 4.4975% | 1,138 |
| Noninterest income to average assets | 0.8424% | 1,828 |
| Noninterest expense to average assets | 3.6392% | 1,653 |
| Loan and lease loss provision to assets | 0.9056% | 990 |
| Net operating income to assets | 0.3925% | 4,981 |
| Return on assets (ROA) | 0.4064% | 5,077 |
| Pretax return on assets | 0.4167% | 5,348 |
| Return on Equity (ROE) | 5.0989% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.0989% | 2,942 |
| Net charge-offs to loans | 1.0198% | 1,547 |
| Credit loss provision to net charge-offs | 119.7952% | 2,555 |
| Earnings coverage of net charge-offs (x) | 1.7304% | 4,003 |
| Efficiency ratio | 73.5593% | 3,452 |
| Assets per employee ($millions) | 2.8598% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,700 |
| Loan loss allowance to noncurrent loans | 97.1038% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.8641% | 2,344 |
| Noncurrent loans to loans | 1.6457% | 3,942 |
| Net loans and leases to total assets | 70.8546% | 2,043 |
| Net loans and leases to deposits | 77.6882% | 3,183 |
| Net loans and leases to core deposits | 83.2572% | 3,328 |
| Total domestic deposits to total assets | 91.2037% | 429 |
| Equity capital to assets | 8.4375% | 6,254 |
| Core capital (leverage) ratio | 8.3214% | 5,833 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,787 |
| Total risk-based capital ratio | 13.2578% | 5,754 |
| Memoranda: | ||
| Average total assets | $155,033,000 | 3,766 |
| Average earning assets | $141,500,000 | 3,767 |
| Average equity | $12,355,670 | 4,461 |
| Average total loans | $114,923,670 | 3,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 1,229 |
| Cost of funding earning assets | 1.1241% | 3,340 |
| Net interest margin | 4.4037% | 1,264 |
| Noninterest income to average assets | 0.7802% | 2,112 |
| Noninterest expense to average assets | 3.1133% | 3,195 |
| Loan and lease loss provision to assets | 1.3519% | 497 |
| Net operating income to assets | 0.3296% | 5,270 |
| Return on assets (ROA) | 0.3296% | 5,347 |
| Pretax return on assets | 0.3502% | 5,510 |
| Return on Equity (ROE) | 4.2601% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,613 |
| Net charge-offs to loans | 1.0994% | 1,255 |
| Credit loss provision to net charge-offs | 163.5514% | 1,770 |
| Earnings coverage of net charge-offs (x) | 2.0592% | 3,265 |
| Efficiency ratio | 64.6524% | 5,251 |
| Assets per employee ($millions) | 2.6451% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,661 |
| Loan loss allowance to noncurrent loans | 92.5099% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 2.9848% | 2,312 |
| Noncurrent loans to loans | 1.7492% | 3,892 |
| Net loans and leases to total assets | 72.6582% | 1,577 |
| Net loans and leases to deposits | 79.3368% | 2,838 |
| Net loans and leases to core deposits | 87.3675% | 2,690 |
| Total domestic deposits to total assets | 91.5820% | 393 |
| Equity capital to assets | 8.0444% | 6,457 |
| Core capital (leverage) ratio | 8.1643% | 6,024 |
| Tier 1 risk-based capital ratio | 11.4933% | 6,112 |
| Total risk-based capital ratio | 12.7501% | 6,083 |
| Memoranda: | ||
| Average total assets | $155,335,000 | 3,786 |
| Average earning assets | $142,334,000 | 3,786 |
| Average equity | $12,018,500 | 4,545 |
| Average total loans | $116,787,000 | 3,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 1,837 |
| Cost of funding earning assets | 1.4239% | 3,114 |
| Net interest margin | 4.1913% | 2,221 |
| Noninterest income to average assets | 0.9125% | 1,803 |
| Noninterest expense to average assets | 3.3849% | 2,475 |
| Loan and lease loss provision to assets | 1.5490% | 948 |
| Net operating income to assets | -0.1955% | 6,112 |
| Return on assets (ROA) | 0.0284% | 5,893 |
| Pretax return on assets | 0.0317% | 5,831 |
| Return on Equity (ROE) | 0.3597% | 5,866 |
| Retained earnings to average equity (ytd only) | -2.4036% | 6,030 |
| Net charge-offs to loans | 2.3359% | 824 |
| Credit loss provision to net charge-offs | 88.2223% | 5,200 |
| Earnings coverage of net charge-offs (x) | 0.7586% | 5,362 |
| Efficiency ratio | 71.7633% | 3,842 |
| Assets per employee ($millions) | 2.7125% | 6,663 |
| Cash dividends to net income (ytd only)* | 768.1818% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 4,490 |
| Loan loss allowance to noncurrent loans | 95.9561% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 2.8187% | 2,488 |
| Noncurrent loans to loans | 1.4630% | 4,290 |
| Net loans and leases to total assets | 75.4527% | 1,392 |
| Net loans and leases to deposits | 81.8625% | 2,836 |
| Net loans and leases to core deposits | 88.9434% | 2,911 |
| Total domestic deposits to total assets | 92.1701% | 247 |
| Equity capital to assets | 7.4270% | 6,917 |
| Core capital (leverage) ratio | 7.4405% | 6,751 |
| Tier 1 risk-based capital ratio | 10.7030% | 6,567 |
| Total risk-based capital ratio | 11.9564% | 6,531 |
| Memoranda: | ||
| Average total assets | $154,747,200 | 3,798 |
| Average earning assets | $140,457,000 | 3,804 |
| Average equity | $12,231,600 | 4,545 |
| Average total loans | $116,315,600 | 3,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 2,278 |
| Cost of funding earning assets | 1.4681% | 3,156 |
| Net interest margin | 4.0749% | 2,737 |
| Noninterest income to average assets | 0.9131% | 1,748 |
| Noninterest expense to average assets | 3.2837% | 2,620 |
| Loan and lease loss provision to assets | 1.2835% | 1,089 |
| Net operating income to assets | 0.0327% | 5,919 |
| Return on assets (ROA) | 0.2300% | 5,580 |
| Pretax return on assets | 0.2300% | 5,663 |
| Return on Equity (ROE) | 2.8666% | 5,275 |
| Retained earnings to average equity (ytd only) | -0.7622% | 5,977 |
| Net charge-offs to loans | 2.0411% | 920 |
| Credit loss provision to net charge-offs | 84.0384% | 4,996 |
| Earnings coverage of net charge-offs (x) | 0.8618% | 5,188 |
| Efficiency ratio | 71.3858% | 3,821 |
| Assets per employee ($millions) | 2.6918% | 6,789 |
| Cash dividends to net income (ytd only)* | 126.5934% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,158 |
| Loan loss allowance to noncurrent loans | 98.3208% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.6742% | 2,698 |
| Noncurrent loans to loans | 1.4845% | 4,406 |
| Net loans and leases to total assets | 70.9793% | 2,495 |
| Net loans and leases to deposits | 77.3343% | 3,945 |
| Net loans and leases to core deposits | 81.6086% | 4,299 |
| Total domestic deposits to total assets | 91.7825% | 231 |
| Equity capital to assets | 7.7729% | 6,952 |
| Core capital (leverage) ratio | 7.4849% | 6,855 |
| Tier 1 risk-based capital ratio | 10.9591% | 6,414 |
| Total risk-based capital ratio | 12.2133% | 6,396 |
| Memoranda: | ||
| Average total assets | $154,781,000 | 3,845 |
| Average earning assets | $140,040,250 | 3,874 |
| Average equity | $12,418,750 | 4,568 |
| Average total loans | $115,814,500 | 3,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,613 |
| Cost of funding earning assets | 1.5053% | 3,230 |
| Net interest margin | 3.9755% | 3,139 |
| Noninterest income to average assets | 0.8850% | 1,744 |
| Noninterest expense to average assets | 3.3211% | 2,499 |
| Loan and lease loss provision to assets | 1.1014% | 1,298 |
| Net operating income to assets | 0.0603% | 5,971 |
| Return on assets (ROA) | 0.1613% | 5,810 |
| Pretax return on assets | 0.1613% | 5,860 |
| Return on Equity (ROE) | 1.9881% | 5,638 |
| Retained earnings to average equity (ytd only) | -3.4751% | 6,360 |
| Net charge-offs to loans | 1.9906% | 912 |
| Credit loss provision to net charge-offs | 72.9800% | 4,894 |
| Earnings coverage of net charge-offs (x) | 0.7698% | 4,990 |
| Efficiency ratio | 74.0860% | 3,462 |
| Assets per employee ($millions) | 2.8667% | 6,420 |
| Cash dividends to net income (ytd only)* | 274.7967% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,287 |
| Loan loss allowance to noncurrent loans | 86.6632% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 3.2167% | 2,198 |
| Noncurrent loans to loans | 1.6510% | 4,228 |
| Net loans and leases to total assets | 71.6645% | 2,496 |
| Net loans and leases to deposits | 77.9743% | 3,969 |
| Net loans and leases to core deposits | 82.2294% | 4,385 |
| Total domestic deposits to total assets | 91.9078% | 236 |
| Equity capital to assets | 7.6742% | 7,010 |
| Core capital (leverage) ratio | 7.5936% | 6,743 |
| Tier 1 risk-based capital ratio | 10.7382% | 6,490 |
| Total risk-based capital ratio | 11.9919% | 6,477 |
| Memoranda: | ||
| Average total assets | $152,538,330 | 3,913 |
| Average earning assets | $138,046,330 | 3,938 |
| Average equity | $12,373,670 | 4,581 |
| Average total loans | $115,640,670 | 3,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 2,942 |
| Cost of funding earning assets | 1.4976% | 3,579 |
| Net interest margin | 3.9222% | 3,234 |
| Noninterest income to average assets | 0.9129% | 1,578 |
| Noninterest expense to average assets | 3.1372% | 3,117 |
| Loan and lease loss provision to assets | 0.5117% | 2,452 |
| Net operating income to assets | 0.8186% | 2,887 |
| Return on assets (ROA) | 0.8967% | 2,629 |
| Pretax return on assets | 0.8967% | 3,484 |
| Return on Equity (ROE) | 10.7415% | 1,857 |
| Retained earnings to average equity (ytd only) | 3.4837% | 4,057 |
| Net charge-offs to loans | 0.2641% | 3,353 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,213 |
| Efficiency ratio | 70.2230% | 4,260 |
| Assets per employee ($millions) | 2.8034% | 6,640 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,773 |
| Loan loss allowance to noncurrent loans | 46.6592% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 4.5406% | 1,487 |
| Noncurrent loans to loans | 3.8310% | 2,068 |
| Net loans and leases to total assets | 74.6551% | 1,817 |
| Net loans and leases to deposits | 81.6269% | 3,345 |
| Net loans and leases to core deposits | 83.8734% | 4,217 |
| Total domestic deposits to total assets | 91.4590% | 386 |
| Equity capital to assets | 8.1104% | 6,530 |
| Core capital (leverage) ratio | 8.3756% | 5,600 |
| Tier 1 risk-based capital ratio | 11.2679% | 5,878 |
| Total risk-based capital ratio | 12.5269% | 5,838 |
| Memoranda: | ||
| Average total assets | $148,539,000 | 4,034 |
| Average earning assets | $134,618,500 | 4,067 |
| Average equity | $12,400,500 | 4,617 |
| Average total loans | $115,102,000 | 3,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 2,790 |
| Cost of funding earning assets | 1.5623% | 5,217 |
| Net interest margin | 4.2053% | 2,045 |
| Noninterest income to average assets | 0.9951% | 1,592 |
| Noninterest expense to average assets | 3.6648% | 1,992 |
| Loan and lease loss provision to assets | 0.0291% | 7,231 |
| Net operating income to assets | 1.0896% | 1,539 |
| Return on assets (ROA) | 0.8479% | 2,441 |
| Pretax return on assets | 0.9047% | 2,908 |
| Return on Equity (ROE) | 9.6147% | 1,813 |
| Retained earnings to average equity (ytd only) | -1.8420% | 5,478 |
| Net charge-offs to loans | -0.0101% | 7,748 |
| Credit loss provision to net charge-offs | -363.6364% | 7,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4725% | 3,621 |
| Assets per employee ($millions) | 2.6462% | 6,959 |
| Cash dividends to net income (ytd only)* | 119.1581% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 2,695 |
| Loan loss allowance to noncurrent loans | 56.6162% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 4.0646% | 1,624 |
| Noncurrent loans to loans | 3.0964% | 2,465 |
| Net loans and leases to total assets | 77.6952% | 1,445 |
| Net loans and leases to deposits | 85.3922% | 3,012 |
| Net loans and leases to core deposits | 121.6349% | 1,822 |
| Total domestic deposits to total assets | 90.9863% | 540 |
| Equity capital to assets | 8.6050% | 5,720 |
| Core capital (leverage) ratio | 8.2524% | 5,718 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,979 |
| Total risk-based capital ratio | 13.2149% | 4,929 |
| Memoranda: | ||
| Average total assets | $137,278,000 | 4,186 |
| Average earning assets | $126,032,800 | 4,172 |
| Average equity | $12,106,400 | 4,721 |
| Average total loans | $108,860,800 | 3,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 2,995 |
| Cost of funding earning assets | 1.5571% | 5,602 |
| Net interest margin | 4.2211% | 1,971 |
| Noninterest income to average assets | 0.9754% | 1,686 |
| Noninterest expense to average assets | 3.7769% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0241% | 1,978 |
| Return on assets (ROA) | 0.6643% | 3,404 |
| Pretax return on assets | 0.7075% | 3,826 |
| Return on Equity (ROE) | 7.4852% | 2,873 |
| Retained earnings to average equity (ytd only) | -7.8501% | 6,586 |
| Net charge-offs to loans | -0.2411% | 7,983 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6008% | 3,224 |
| Assets per employee ($millions) | 3.0582% | 6,013 |
| Cash dividends to net income (ytd only)* | 204.8757% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 2,107 |
| Loan loss allowance to noncurrent loans | 60.6450% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.9356% | 2,360 |
| Noncurrent loans to loans | 3.0797% | 2,454 |
| Net loans and leases to total assets | 74.5098% | 2,377 |
| Net loans and leases to deposits | 85.1500% | 3,474 |
| Net loans and leases to core deposits | 119.0407% | 2,333 |
| Total domestic deposits to total assets | 87.5042% | 1,882 |
| Equity capital to assets | 7.9786% | 6,865 |
| Core capital (leverage) ratio | 7.8810% | 6,525 |
| Tier 1 risk-based capital ratio | 11.5791% | 5,365 |
| Total risk-based capital ratio | 12.8404% | 5,287 |
| Memoranda: | ||
| Average total assets | $135,874,250 | 4,238 |
| Average earning assets | $125,272,250 | 4,222 |
| Average equity | $12,059,000 | 4,777 |
| Average total loans | $107,825,500 | 3,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8723% | 2,704 |
| Cost of funding earning assets | 1.5419% | 5,967 |
| Net interest margin | 4.3303% | 1,575 |
| Noninterest income to average assets | 0.9938% | 1,612 |
| Noninterest expense to average assets | 4.0834% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7991% | 2,860 |
| Return on assets (ROA) | 0.1539% | 5,505 |
| Pretax return on assets | 0.1753% | 5,528 |
| Return on Equity (ROE) | 1.6703% | 5,412 |
| Retained earnings to average equity (ytd only) | -17.5469% | 7,375 |
| Net charge-offs to loans | -0.3099% | 8,073 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8015% | 2,746 |
| Assets per employee ($millions) | 2.9035% | 6,383 |
| Cash dividends to net income (ytd only)* | 1,150.4950% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 1,762 |
| Loan loss allowance to noncurrent loans | 159.9694% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 4,063 |
| Noncurrent loans to loans | 1.1955% | 4,823 |
| Net loans and leases to total assets | 75.4908% | 2,316 |
| Net loans and leases to deposits | 86.3972% | 3,476 |
| Net loans and leases to core deposits | 120.0691% | 2,365 |
| Total domestic deposits to total assets | 87.3764% | 2,063 |
| Equity capital to assets | 7.9228% | 6,840 |
| Core capital (leverage) ratio | 8.2800% | 5,841 |
| Tier 1 risk-based capital ratio | 11.3999% | 5,499 |
| Total risk-based capital ratio | 12.6622% | 5,394 |
| Memoranda: | ||
| Average total assets | $131,215,670 | 4,370 |
| Average earning assets | $121,145,330 | 4,338 |
| Average equity | $12,093,330 | 4,788 |
| Average total loans | $105,841,330 | 3,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9855% | 2,418 |
| Cost of funding earning assets | 1.5049% | 6,388 |
| Net interest margin | 4.4806% | 1,172 |
| Noninterest income to average assets | 0.9929% | 1,500 |
| Noninterest expense to average assets | 3.0361% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0118% | 342 |
| Return on assets (ROA) | 2.0686% | 351 |
| Pretax return on assets | 2.1959% | 447 |
| Return on Equity (ROE) | 20.7933% | 375 |
| Retained earnings to average equity (ytd only) | 3.9987% | 3,677 |
| Net charge-offs to loans | -0.1538% | 7,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7077% | 6,589 |
| Assets per employee ($millions) | 2.6488% | 6,979 |
| Cash dividends to net income (ytd only)* | 80.7692% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 1,714 |
| Loan loss allowance to noncurrent loans | 114.1367% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 4,002 |
| Noncurrent loans to loans | 1.6306% | 3,832 |
| Net loans and leases to total assets | 80.0336% | 1,386 |
| Net loans and leases to deposits | 93.9112% | 2,281 |
| Net loans and leases to core deposits | 126.5493% | 1,887 |
| Total domestic deposits to total assets | 85.2226% | 3,097 |
| Equity capital to assets | 9.7239% | 4,351 |
| Core capital (leverage) ratio | 9.9376% | 3,472 |
| Tier 1 risk-based capital ratio | 13.4559% | 3,893 |
| Total risk-based capital ratio | 14.7173% | 3,806 |
| Memoranda: | ||
| Average total assets | $125,687,000 | 4,505 |
| Average earning assets | $117,217,000 | 4,452 |
| Average equity | $12,504,000 | 4,708 |
| Average total loans | $104,013,500 | 3,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9189% | 1,348 |
| Cost of funding earning assets | 1.8317% | 6,925 |
| Net interest margin | 5.0871% | 418 |
| Noninterest income to average assets | 1.1313% | 1,219 |
| Noninterest expense to average assets | 3.8908% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7749% | 584 |
| Return on assets (ROA) | 1.8589% | 468 |
| Pretax return on assets | 1.9915% | 618 |
| Return on Equity (ROE) | 17.7873% | 548 |
| Retained earnings to average equity (ytd only) | 7.4156% | 1,012 |
| Net charge-offs to loans | -0.3143% | 8,196 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1768% | 4,878 |
| Assets per employee ($millions) | 2.4812% | 7,236 |
| Cash dividends to net income (ytd only)* | 58.3097% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 1,446 |
| Loan loss allowance to noncurrent loans | 202.9443% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 4,892 |
| Noncurrent loans to loans | 0.9307% | 4,750 |
| Net loans and leases to total assets | 82.4545% | 1,143 |
| Net loans and leases to deposits | 97.5840% | 2,183 |
| Net loans and leases to core deposits | 124.4834% | 2,286 |
| Total domestic deposits to total assets | 84.4959% | 3,080 |
| Equity capital to assets | 10.1883% | 3,819 |
| Core capital (leverage) ratio | 10.3462% | 3,123 |
| Tier 1 risk-based capital ratio | 14.2237% | 3,434 |
| Total risk-based capital ratio | 15.4878% | 3,346 |
| Memoranda: | ||
| Average total assets | $113,936,000 | 4,668 |
| Average earning assets | $104,381,400 | 4,666 |
| Average equity | $11,907,400 | 4,852 |
| Average total loans | $82,401,200 | 4,441 |