Home > UMB Bank Colorado > Performance and Condition Ratios
UMB Bank Colorado, Performance and Condition Ratios
| 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 | 2.8663% | 6,948 |
| Cost of funding earning assets | 0.1721% | 6,999 |
| Net interest margin | 2.6942% | 6,653 |
| Noninterest income to average assets | 0.6491% | 3,001 |
| Noninterest expense to average assets | 2.1023% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7037% | 3,900 |
| Return on assets (ROA) | 0.7706% | 3,853 |
| Pretax return on assets | 1.1406% | 3,194 |
| Return on Equity (ROE) | 7.2467% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.2467% | 1,978 |
| Net charge-offs to loans | 0.0275% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 87.0256% | 478 |
| Efficiency ratio | 63.9665% | 4,807 |
| Assets per employee ($millions) | 7.7854% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 6,495 |
| Loan loss allowance to noncurrent loans | 498.7241% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 6,505 |
| Noncurrent loans to loans | 0.1713% | 6,181 |
| Net loans and leases to total assets | 44.8294% | 5,888 |
| Net loans and leases to deposits | 65.9342% | 4,475 |
| Net loans and leases to core deposits | 69.7059% | 4,531 |
| Total domestic deposits to total assets | 67.9912% | 6,925 |
| Equity capital to assets | 10.9549% | 3,323 |
| Core capital (leverage) ratio | 7.2663% | 6,728 |
| Tier 1 risk-based capital ratio | 11.6922% | 6,120 |
| Total risk-based capital ratio | 12.3387% | 6,419 |
| Memoranda: | ||
| Average total assets | $1,603,308,750 | 424 |
| Average earning assets | $1,484,987,750 | 410 |
| Average equity | $170,501,250 | 439 |
| Average total loans | $698,921,750 | 592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8925% | 7,017 |
| Cost of funding earning assets | 0.1786% | 7,066 |
| Net interest margin | 2.7139% | 6,697 |
| Noninterest income to average assets | 0.6447% | 2,981 |
| Noninterest expense to average assets | 2.1136% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7009% | 3,866 |
| Return on assets (ROA) | 0.8001% | 3,645 |
| Pretax return on assets | 1.1913% | 2,965 |
| Return on Equity (ROE) | 7.6016% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.6016% | 1,813 |
| Net charge-offs to loans | 0.0329% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 73.7522% | 547 |
| Efficiency ratio | 64.0538% | 4,893 |
| Assets per employee ($millions) | 7.7676% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 6,550 |
| Loan loss allowance to noncurrent loans | 469.3801% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 6,571 |
| Noncurrent loans to loans | 0.1832% | 6,217 |
| Net loans and leases to total assets | 44.6249% | 5,955 |
| Net loans and leases to deposits | 66.7774% | 4,398 |
| Net loans and leases to core deposits | 71.0227% | 4,411 |
| Total domestic deposits to total assets | 66.8264% | 7,028 |
| Equity capital to assets | 10.5979% | 3,570 |
| Core capital (leverage) ratio | 6.9713% | 6,830 |
| Tier 1 risk-based capital ratio | 11.2529% | 6,367 |
| Total risk-based capital ratio | 11.8967% | 6,632 |
| Memoranda: | ||
| Average total assets | $1,597,959,670 | 426 |
| Average earning assets | $1,479,068,000 | 411 |
| Average equity | $168,202,000 | 442 |
| Average total loans | $687,828,330 | 602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 7,075 |
| Cost of funding earning assets | 0.1869% | 7,126 |
| Net interest margin | 2.7156% | 6,749 |
| Noninterest income to average assets | 0.6868% | 2,726 |
| Noninterest expense to average assets | 2.0744% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7534% | 3,606 |
| Return on assets (ROA) | 0.8695% | 3,283 |
| Pretax return on assets | 1.2970% | 2,548 |
| Return on Equity (ROE) | 8.2897% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.2897% | 1,863 |
| Net charge-offs to loans | 0.0336% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 79.5179% | 420 |
| Efficiency ratio | 61.9773% | 5,276 |
| Assets per employee ($millions) | 7.7876% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,518 |
| Loan loss allowance to noncurrent loans | 449.4685% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,625 |
| Noncurrent loans to loans | 0.2017% | 6,280 |
| Net loans and leases to total assets | 43.2016% | 6,080 |
| Net loans and leases to deposits | 61.4784% | 4,988 |
| Net loans and leases to core deposits | 65.7026% | 4,947 |
| Total domestic deposits to total assets | 70.2711% | 6,968 |
| Equity capital to assets | 10.4520% | 3,552 |
| Core capital (leverage) ratio | 6.9753% | 6,847 |
| Tier 1 risk-based capital ratio | 11.3800% | 6,345 |
| Total risk-based capital ratio | 12.0575% | 6,606 |
| Memoranda: | ||
| Average total assets | $1,585,222,500 | 427 |
| Average earning assets | $1,465,884,500 | 417 |
| Average equity | $166,278,000 | 444 |
| Average total loans | $666,372,000 | 625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1537% | 7,139 |
| Cost of funding earning assets | 0.2410% | 7,186 |
| Net interest margin | 2.9126% | 6,669 |
| Noninterest income to average assets | 0.7255% | 2,472 |
| Noninterest expense to average assets | 2.1248% | 6,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8738% | 2,721 |
| Return on assets (ROA) | 0.9186% | 2,645 |
| Pretax return on assets | 1.3499% | 1,953 |
| Return on Equity (ROE) | 8.8994% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.8994% | 838 |
| Net charge-offs to loans | 0.0889% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 36.1897% | 725 |
| Efficiency ratio | 59.1849% | 5,871 |
| Assets per employee ($millions) | 7.5298% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,169 |
| Loan loss allowance to noncurrent loans | 401.3802% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 6,674 |
| Noncurrent loans to loans | 0.2517% | 6,231 |
| Net loans and leases to total assets | 40.0297% | 6,543 |
| Net loans and leases to deposits | 51.9938% | 6,218 |
| Net loans and leases to core deposits | 56.7655% | 6,097 |
| Total domestic deposits to total assets | 76.9894% | 6,343 |
| Equity capital to assets | 10.5274% | 3,507 |
| Core capital (leverage) ratio | 7.0001% | 6,867 |
| Tier 1 risk-based capital ratio | 11.7388% | 6,003 |
| Total risk-based capital ratio | 12.4648% | 6,313 |
| Memoranda: | ||
| Average total assets | $1,471,316,800 | 453 |
| Average earning assets | $1,355,413,400 | 438 |
| Average equity | $151,875,800 | 463 |
| Average total loans | $587,045,600 | 717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 7,203 |
| Cost of funding earning assets | 0.2458% | 7,281 |
| Net interest margin | 2.9740% | 6,627 |
| Noninterest income to average assets | 0.7092% | 2,550 |
| Noninterest expense to average assets | 2.1573% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8790% | 2,824 |
| Return on assets (ROA) | 0.9398% | 2,735 |
| Pretax return on assets | 1.3806% | 2,001 |
| Return on Equity (ROE) | 9.1539% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.1539% | 1,089 |
| Net charge-offs to loans | 0.1381% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 23.5217% | 1,111 |
| Efficiency ratio | 59.3280% | 5,824 |
| Assets per employee ($millions) | 7.2437% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 6,008 |
| Loan loss allowance to noncurrent loans | 392.5512% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 6,719 |
| Noncurrent loans to loans | 0.2714% | 6,325 |
| Net loans and leases to total assets | 38.9708% | 6,715 |
| Net loans and leases to deposits | 48.0646% | 6,621 |
| Net loans and leases to core deposits | 53.7719% | 6,474 |
| Total domestic deposits to total assets | 81.0800% | 5,407 |
| Equity capital to assets | 10.7282% | 3,443 |
| Core capital (leverage) ratio | 6.9699% | 6,970 |
| Tier 1 risk-based capital ratio | 12.6195% | 5,396 |
| Total risk-based capital ratio | 13.4199% | 5,754 |
| Memoranda: | ||
| Average total assets | $1,447,597,250 | 463 |
| Average earning assets | $1,333,346,000 | 452 |
| Average equity | $148,624,750 | 479 |
| Average total loans | $575,471,750 | 744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 7,262 |
| Cost of funding earning assets | 0.2347% | 7,375 |
| Net interest margin | 3.0389% | 6,528 |
| Noninterest income to average assets | 0.7044% | 2,526 |
| Noninterest expense to average assets | 2.1867% | 6,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8924% | 2,671 |
| Return on assets (ROA) | 0.9488% | 2,534 |
| Pretax return on assets | 1.3987% | 1,800 |
| Return on Equity (ROE) | 9.3897% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.3897% | 991 |
| Net charge-offs to loans | 0.2086% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.8148% | 1,381 |
| Efficiency ratio | 59.1978% | 5,999 |
| Assets per employee ($millions) | 6.9574% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 6,009 |
| Loan loss allowance to noncurrent loans | 466.5192% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 6,715 |
| Noncurrent loans to loans | 0.2330% | 6,451 |
| Net loans and leases to total assets | 39.3956% | 6,781 |
| Net loans and leases to deposits | 57.9840% | 5,940 |
| Net loans and leases to core deposits | 64.7117% | 5,644 |
| Total domestic deposits to total assets | 67.9422% | 7,193 |
| Equity capital to assets | 10.4416% | 3,586 |
| Core capital (leverage) ratio | 6.8945% | 7,033 |
| Tier 1 risk-based capital ratio | 12.6391% | 5,230 |
| Total risk-based capital ratio | 13.4733% | 5,569 |
| Memoranda: | ||
| Average total assets | $1,427,899,670 | 479 |
| Average earning assets | $1,314,737,670 | 471 |
| Average equity | $144,286,000 | 492 |
| Average total loans | $569,464,670 | 760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 7,314 |
| Cost of funding earning assets | 0.2506% | 7,437 |
| Net interest margin | 3.0206% | 6,531 |
| Noninterest income to average assets | 0.7168% | 2,475 |
| Noninterest expense to average assets | 2.1152% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9441% | 2,379 |
| Return on assets (ROA) | 1.0280% | 2,127 |
| Pretax return on assets | 1.5092% | 1,421 |
| Return on Equity (ROE) | 10.3517% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.3517% | 1,033 |
| Net charge-offs to loans | 0.1506% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 23.0660% | 1,032 |
| Efficiency ratio | 57.1359% | 6,365 |
| Assets per employee ($millions) | 6.9386% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,705 |
| Loan loss allowance to noncurrent loans | 331.4229% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,771 |
| Noncurrent loans to loans | 0.3571% | 6,274 |
| Net loans and leases to total assets | 38.6265% | 6,866 |
| Net loans and leases to deposits | 57.7855% | 5,946 |
| Net loans and leases to core deposits | 62.4130% | 5,890 |
| Total domestic deposits to total assets | 66.8446% | 7,303 |
| Equity capital to assets | 9.7811% | 4,056 |
| Core capital (leverage) ratio | 6.9264% | 7,036 |
| Tier 1 risk-based capital ratio | 12.1873% | 5,523 |
| Total risk-based capital ratio | 13.0734% | 5,838 |
| Memoranda: | ||
| Average total assets | $1,411,327,500 | 487 |
| Average earning assets | $1,300,934,000 | 480 |
| Average equity | $140,151,000 | 502 |
| Average total loans | $563,240,500 | 775 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 7,395 |
| Cost of funding earning assets | 0.3707% | 7,453 |
| Net interest margin | 3.1150% | 6,484 |
| Noninterest income to average assets | 0.8545% | 2,033 |
| Noninterest expense to average assets | 2.4395% | 5,977 |
| Loan and lease loss provision to assets | 0.0263% | 6,863 |
| Net operating income to assets | 0.9317% | 2,270 |
| Return on assets (ROA) | 0.9423% | 2,356 |
| Pretax return on assets | 1.2404% | 2,101 |
| Return on Equity (ROE) | 7.1507% | 3,049 |
| Retained earnings to average equity (ytd only) | -6.1492% | 6,398 |
| Net charge-offs to loans | 0.1570% | 5,409 |
| Credit loss provision to net charge-offs | 35.2526% | 6,447 |
| Earnings coverage of net charge-offs (x) | 16.7979% | 1,186 |
| Efficiency ratio | 61.5456% | 5,801 |
| Assets per employee ($millions) | 6.6304% | 892 |
| Cash dividends to net income (ytd only)* | 185.9946% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,339 |
| Loan loss allowance to noncurrent loans | 387.8924% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,894 |
| Noncurrent loans to loans | 0.3188% | 6,418 |
| Net loans and leases to total assets | 40.2703% | 6,944 |
| Net loans and leases to deposits | 56.2515% | 6,420 |
| Net loans and leases to core deposits | 60.8309% | 6,328 |
| Total domestic deposits to total assets | 71.5897% | 7,123 |
| Equity capital to assets | 10.0882% | 3,636 |
| Core capital (leverage) ratio | 7.1748% | 6,925 |
| Tier 1 risk-based capital ratio | 11.9358% | 5,535 |
| Total risk-based capital ratio | 12.8850% | 5,788 |
| Memoranda: | ||
| Average total assets | $1,141,123,400 | 582 |
| Average earning assets | $1,039,538,000 | 577 |
| Average equity | $150,377,400 | 457 |
| Average total loans | $542,005,200 | 835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 7,519 |
| Cost of funding earning assets | 0.4010% | 7,569 |
| Net interest margin | 3.1328% | 6,527 |
| Noninterest income to average assets | 0.9139% | 1,745 |
| Noninterest expense to average assets | 2.5418% | 5,556 |
| Loan and lease loss provision to assets | 0.0369% | 6,710 |
| Net operating income to assets | 0.8424% | 2,834 |
| Return on assets (ROA) | 0.8565% | 2,921 |
| Pretax return on assets | 1.1942% | 2,508 |
| Return on Equity (ROE) | 6.0502% | 3,786 |
| Retained earnings to average equity (ytd only) | -11.3380% | 6,938 |
| Net charge-offs to loans | 0.2001% | 4,746 |
| Credit loss provision to net charge-offs | 37.1747% | 6,055 |
| Earnings coverage of net charge-offs (x) | 12.1983% | 1,713 |
| Efficiency ratio | 62.8082% | 5,467 |
| Assets per employee ($millions) | 5.7007% | 1,464 |
| Cash dividends to net income (ytd only)* | 287.3978% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 5,048 |
| Loan loss allowance to noncurrent loans | 474.3869% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,012 |
| Noncurrent loans to loans | 0.2703% | 6,645 |
| Net loans and leases to total assets | 47.0261% | 6,605 |
| Net loans and leases to deposits | 58.6779% | 6,412 |
| Net loans and leases to core deposits | 63.8151% | 6,316 |
| Total domestic deposits to total assets | 80.1428% | 5,660 |
| Equity capital to assets | 12.5382% | 1,835 |
| Core capital (leverage) ratio | 8.2043% | 6,029 |
| Tier 1 risk-based capital ratio | 11.6791% | 5,750 |
| Total risk-based capital ratio | 12.6617% | 6,000 |
| Memoranda: | ||
| Average total assets | $1,083,280,000 | 613 |
| Average earning assets | $981,884,000 | 605 |
| Average equity | $153,356,750 | 443 |
| Average total loans | $537,599,500 | 839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 7,575 |
| Cost of funding earning assets | 0.4292% | 7,632 |
| Net interest margin | 3.1546% | 6,450 |
| Noninterest income to average assets | 0.9183% | 1,626 |
| Noninterest expense to average assets | 2.5744% | 5,437 |
| Loan and lease loss provision to assets | 0.0564% | 6,394 |
| Net operating income to assets | 0.8416% | 2,768 |
| Return on assets (ROA) | 0.8571% | 2,848 |
| Pretax return on assets | 1.1632% | 2,543 |
| Return on Equity (ROE) | 5.8167% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.8167% | 2,439 |
| Net charge-offs to loans | 0.1934% | 4,452 |
| Credit loss provision to net charge-offs | 57.9151% | 5,254 |
| Earnings coverage of net charge-offs (x) | 12.3147% | 1,685 |
| Efficiency ratio | 63.2103% | 5,484 |
| Assets per employee ($millions) | 5.3929% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,709 |
| Loan loss allowance to noncurrent loans | 174.6028% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 6,465 |
| Noncurrent loans to loans | 0.7700% | 5,730 |
| Net loans and leases to total assets | 49.5960% | 6,478 |
| Net loans and leases to deposits | 61.0038% | 6,309 |
| Net loans and leases to core deposits | 66.3957% | 6,211 |
| Total domestic deposits to total assets | 81.2999% | 5,293 |
| Equity capital to assets | 14.8660% | 910 |
| Core capital (leverage) ratio | 10.1218% | 3,034 |
| Tier 1 risk-based capital ratio | 14.0068% | 3,730 |
| Total risk-based capital ratio | 15.0267% | 3,856 |
| Memoranda: | ||
| Average total assets | $1,064,325,670 | 623 |
| Average earning assets | $963,157,670 | 621 |
| Average equity | $156,824,670 | 432 |
| Average total loans | $535,756,330 | 853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 7,672 |
| Cost of funding earning assets | 0.4732% | 7,707 |
| Net interest margin | 3.1456% | 6,469 |
| Noninterest income to average assets | 0.8824% | 1,693 |
| Noninterest expense to average assets | 2.5795% | 5,437 |
| Loan and lease loss provision to assets | 0.1132% | 5,486 |
| Net operating income to assets | 0.8127% | 2,910 |
| Return on assets (ROA) | 0.8457% | 2,863 |
| Pretax return on assets | 1.0763% | 2,819 |
| Return on Equity (ROE) | 5.7659% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.7659% | 2,730 |
| Net charge-offs to loans | 0.0862% | 4,560 |
| Credit loss provision to net charge-offs | 260.8696% | 1,498 |
| Earnings coverage of net charge-offs (x) | 26.4435% | 958 |
| Efficiency ratio | 64.1049% | 5,474 |
| Assets per employee ($millions) | 5.0845% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,235 |
| Loan loss allowance to noncurrent loans | 754.2857% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 7,233 |
| Noncurrent loans to loans | 0.1903% | 6,960 |
| Net loans and leases to total assets | 50.4323% | 6,425 |
| Net loans and leases to deposits | 62.2469% | 6,254 |
| Net loans and leases to core deposits | 67.6929% | 6,128 |
| Total domestic deposits to total assets | 81.0198% | 5,454 |
| Equity capital to assets | 15.0043% | 883 |
| Core capital (leverage) ratio | 10.0297% | 3,132 |
| Tier 1 risk-based capital ratio | 13.8327% | 3,777 |
| Total risk-based capital ratio | 14.9261% | 3,832 |
| Memoranda: | ||
| Average total assets | $1,059,893,500 | 641 |
| Average earning assets | $958,554,000 | 637 |
| Average equity | $155,467,000 | 441 |
| Average total loans | $533,878,500 | 881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 7,585 |
| Cost of funding earning assets | 0.6896% | 7,694 |
| Net interest margin | 3.5524% | 4,734 |
| Noninterest income to average assets | 0.9675% | 1,674 |
| Noninterest expense to average assets | 2.7098% | 5,343 |
| Loan and lease loss provision to assets | 0.1225% | 6,415 |
| Net operating income to assets | 0.8663% | 2,292 |
| Return on assets (ROA) | 0.8908% | 2,277 |
| Pretax return on assets | 1.2636% | 1,798 |
| Return on Equity (ROE) | 5.6121% | 3,376 |
| Retained earnings to average equity (ytd only) | -0.4656% | 5,090 |
| Net charge-offs to loans | 0.1408% | 5,817 |
| Credit loss provision to net charge-offs | 160.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 17.6467% | 1,173 |
| Efficiency ratio | 61.2685% | 6,281 |
| Assets per employee ($millions) | 5.1553% | 2,007 |
| Cash dividends to net income (ytd only)* | 108.2970% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,250 |
| Loan loss allowance to noncurrent loans | 956.5941% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 7,150 |
| Noncurrent loans to loans | 0.1461% | 7,065 |
| Net loans and leases to total assets | 48.9077% | 6,737 |
| Net loans and leases to deposits | 61.8886% | 6,482 |
| Net loans and leases to core deposits | 69.1892% | 6,821 |
| Total domestic deposits to total assets | 79.0253% | 5,971 |
| Equity capital to assets | 14.3430% | 1,062 |
| Core capital (leverage) ratio | 10.1435% | 2,956 |
| Tier 1 risk-based capital ratio | 12.5596% | 4,477 |
| Total risk-based capital ratio | 13.5572% | 4,636 |
| Memoranda: | ||
| Average total assets | $979,567,200 | 683 |
| Average earning assets | $853,010,000 | 709 |
| Average equity | $155,486,400 | 437 |
| Average total loans | $532,521,000 | 895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 7,574 |
| Cost of funding earning assets | 0.7377% | 7,772 |
| Net interest margin | 3.6985% | 4,078 |
| Noninterest income to average assets | 1.0048% | 1,593 |
| Noninterest expense to average assets | 2.7737% | 5,007 |
| Loan and lease loss provision to assets | 0.1256% | 6,097 |
| Net operating income to assets | 0.9296% | 2,310 |
| Return on assets (ROA) | 0.9641% | 2,237 |
| Pretax return on assets | 1.3369% | 1,856 |
| Return on Equity (ROE) | 5.9129% | 3,561 |
| Retained earnings to average equity (ytd only) | 1.5891% | 4,423 |
| Net charge-offs to loans | 0.1326% | 5,371 |
| Credit loss provision to net charge-offs | 170.1323% | 2,739 |
| Earnings coverage of net charge-offs (x) | 19.1568% | 1,308 |
| Efficiency ratio | 60.6773% | 6,324 |
| Assets per employee ($millions) | 4.6576% | 2,618 |
| Cash dividends to net income (ytd only)* | 73.1249% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,051 |
| Loan loss allowance to noncurrent loans | 456.0148% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,877 |
| Noncurrent loans to loans | 0.3028% | 6,758 |
| Net loans and leases to total assets | 53.9759% | 6,386 |
| Net loans and leases to deposits | 67.7594% | 6,146 |
| Net loans and leases to core deposits | 76.1153% | 6,607 |
| Total domestic deposits to total assets | 79.6581% | 5,574 |
| Equity capital to assets | 16.1348% | 770 |
| Core capital (leverage) ratio | 10.7659% | 2,588 |
| Tier 1 risk-based capital ratio | 13.5958% | 3,780 |
| Total risk-based capital ratio | 14.6454% | 3,863 |
| Memoranda: | ||
| Average total assets | $955,092,250 | 712 |
| Average earning assets | $822,123,250 | 754 |
| Average equity | $155,722,750 | 449 |
| Average total loans | $532,042,500 | 911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 7,618 |
| Cost of funding earning assets | 0.7663% | 7,858 |
| Net interest margin | 3.7467% | 3,765 |
| Noninterest income to average assets | 0.9869% | 1,641 |
| Noninterest expense to average assets | 2.8169% | 4,884 |
| Loan and lease loss provision to assets | 0.1267% | 5,843 |
| Net operating income to assets | 0.9277% | 2,352 |
| Return on assets (ROA) | 0.9360% | 2,416 |
| Pretax return on assets | 1.2833% | 2,075 |
| Return on Equity (ROE) | 5.7203% | 3,775 |
| Retained earnings to average equity (ytd only) | -0.7947% | 5,428 |
| Net charge-offs to loans | 0.1424% | 4,745 |
| Credit loss provision to net charge-offs | 158.7302% | 2,897 |
| Earnings coverage of net charge-offs (x) | 17.5265% | 1,475 |
| Efficiency ratio | 61.1898% | 6,369 |
| Assets per employee ($millions) | 4.6118% | 2,583 |
| Cash dividends to net income (ytd only)* | 113.8926% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 3,912 |
| Loan loss allowance to noncurrent loans | 199.0382% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 6,514 |
| Noncurrent loans to loans | 0.6856% | 5,875 |
| Net loans and leases to total assets | 54.3137% | 6,407 |
| Net loans and leases to deposits | 69.3396% | 6,060 |
| Net loans and leases to core deposits | 77.3900% | 6,583 |
| Total domestic deposits to total assets | 78.3300% | 5,988 |
| Equity capital to assets | 16.0508% | 811 |
| Core capital (leverage) ratio | 10.6282% | 2,713 |
| Tier 1 risk-based capital ratio | 13.5669% | 3,777 |
| Total risk-based capital ratio | 14.6268% | 3,820 |
| Memoranda: | ||
| Average total assets | $947,426,000 | 738 |
| Average earning assets | $816,403,000 | 782 |
| Average equity | $155,026,000 | 457 |
| Average total loans | $530,948,330 | 931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 7,640 |
| Cost of funding earning assets | 0.8180% | 7,890 |
| Net interest margin | 3.7577% | 3,624 |
| Noninterest income to average assets | 1.0089% | 1,458 |
| Noninterest expense to average assets | 2.6631% | 5,170 |
| Loan and lease loss provision to assets | 0.1278% | 5,324 |
| Net operating income to assets | 1.0417% | 2,160 |
| Return on assets (ROA) | 1.0417% | 2,291 |
| Pretax return on assets | 1.4442% | 1,830 |
| Return on Equity (ROE) | 6.3048% | 3,899 |
| Retained earnings to average equity (ytd only) | -0.3969% | 5,743 |
| Net charge-offs to loans | 0.0301% | 5,103 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 92.2750% | 465 |
| Efficiency ratio | 57.0294% | 6,818 |
| Assets per employee ($millions) | 4.3860% | 2,912 |
| Cash dividends to net income (ytd only)* | 106.2960% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,724 |
| Loan loss allowance to noncurrent loans | 306.0530% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,750 |
| Noncurrent loans to loans | 0.4451% | 6,313 |
| Net loans and leases to total assets | 56.1720% | 6,220 |
| Net loans and leases to deposits | 71.7239% | 5,778 |
| Net loans and leases to core deposits | 79.1240% | 6,449 |
| Total domestic deposits to total assets | 78.3170% | 5,921 |
| Equity capital to assets | 16.5342% | 788 |
| Core capital (leverage) ratio | 10.9820% | 2,511 |
| Tier 1 risk-based capital ratio | 13.8713% | 3,655 |
| Total risk-based capital ratio | 14.9620% | 3,664 |
| Memoranda: | ||
| Average total assets | $939,201,000 | 746 |
| Average earning assets | $806,337,500 | 790 |
| Average equity | $155,184,000 | 454 |
| Average total loans | $531,042,500 | 941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 7,567 |
| Cost of funding earning assets | 1.4144% | 7,724 |
| Net interest margin | 3.9137% | 3,501 |
| Noninterest income to average assets | 1.0994% | 1,299 |
| Noninterest expense to average assets | 2.5743% | 5,739 |
| Loan and lease loss provision to assets | 0.0034% | 7,309 |
| Net operating income to assets | 1.2977% | 1,489 |
| Return on assets (ROA) | 1.2983% | 1,440 |
| Pretax return on assets | 1.8388% | 867 |
| Return on Equity (ROE) | 8.1728% | 2,996 |
| Retained earnings to average equity (ytd only) | -5.6992% | 6,623 |
| Net charge-offs to loans | 0.0983% | 5,339 |
| Credit loss provision to net charge-offs | 5.7884% | 6,638 |
| Earnings coverage of net charge-offs (x) | 31.6906% | 1,127 |
| Efficiency ratio | 53.8124% | 7,286 |
| Assets per employee ($millions) | 4.4966% | 2,624 |
| Cash dividends to net income (ytd only)* | 169.7338% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 3,589 |
| Loan loss allowance to noncurrent loans | 504.3822% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,979 |
| Noncurrent loans to loans | 0.2639% | 6,586 |
| Net loans and leases to total assets | 55.3895% | 6,505 |
| Net loans and leases to deposits | 71.0131% | 6,167 |
| Net loans and leases to core deposits | 78.4195% | 6,727 |
| Total domestic deposits to total assets | 77.9990% | 5,712 |
| Equity capital to assets | 16.5118% | 837 |
| Core capital (leverage) ratio | 11.3263% | 2,351 |
| Tier 1 risk-based capital ratio | 13.9464% | 3,571 |
| Total risk-based capital ratio | 15.0104% | 3,584 |
| Memoranda: | ||
| Average total assets | $862,225,600 | 787 |
| Average earning assets | $730,619,000 | 835 |
| Average equity | $136,966,200 | 515 |
| Average total loans | $509,453,400 | 942 |